Oldbear83 said:

---

I think the situation is more complex. Planned obsolescence, for example, has happened in different industries at different times. This is due to shifting competitive opportunities and demographics.

It also matters how the public reacts.

---

And right now the public is ok with items becoming obsolete even when they still work and paying $1000 for a new phone every few years.

I am not. I didn't get an iPhone/smart phone for years after it came out. Then had the same one for about 7 years until I got a free one with a new phone plan and currently have an older model and don't plan to upgrade anytime soon.

RD2WINAGNBEAR86 said:

---

BaylorFTW said:

---

RD2WINAGNBEAR86 said:

---

BaylorFTW said:

---

ABC BEAR said:

---

What a bunch of cry-tits. We Boomers had to struggle with 19% interest rates when we were his age. We made it big, so can he.

---

Do you really think that if your generation traded places with Gen Z that you would be managing better? If so, what makes you think so?

---

Loyalty to a company has changed immensely. Had two employers in my 35 year working career. These days, the Zers and even millennials will jump job to job for a few dollars more. Many don't seem to understand the value of benefits and can't see beyond the size of their paycheck.

1. You won't be the boss overnight. Be patient. Pay your dues.
2. Start saving for retirement early. Don't wait. Treat your retirement like a bill. Pay yourself first.
3. Don't live beyond your means. Okay to struggle early on. Don't feel the pressure of keeping up with the Jones's. In your later years, the Jones's may ask you for a loan. They were spending when you were saving.

---

And yet, loyalty to employees has changed immensely too. Companies will dump employees to save a few dollars through downsizings, mergers, hiring overseas or now with AI starting to replace workers.

---

Agree with you here Sir. My first employer of almost thirty years had a fine corporate culture and valued their employees. The culture was sentenced to a slow death when new leadership came in to the corporate office. Human resources was no longer a happy place but something to be feared. I knew we were in trouble when the people were now referred to as "human capital."

The only thing for sure in this life is that things are gonna change.

---

Loyalty means nothing now. For the employee, employer or customer.

Think about the lawsuits, complaints, etc. over companies that offer deals to new customers but not existing customers. When you go to a store/ call a company with an issue they don't care that you have been a customer for 5 years, 20 years or 5 minutes.

cowboycwr said:

---

Oldbear83 said:

---

I think the situation is more complex. Planned obsolescence, for example, has happened in different industries at different times. This is due to shifting competitive opportunities and demographics.

It also matters how the public reacts.

---

And right now the public is ok with items becoming obsolete even when they still work and paying $1000 for a new phone every few years.

I am not. I didn't get an iPhone/smart phone for years after it came out. Then had the same one for about 7 years until I got a free one with a new phone plan and currently have an older model and don't plan to upgrade anytime soon.

---

ABC BEAR said:

---

What a bunch of cry-tits. We Boomers had to struggle with 19% interest rates when we were his age. We made it big, so can he.

---

The most selfish thing the Boomers did was kicking the can down the road in 2008.

You all should have lost half your life savings and solved the underlying issues that created the 2008 financial crisis in the first place.

Instead you all took the freshly printed money and allowed the banks to get bigger and more powerful and our national debt to balloon to historic heights never seen before in human history.

The_barBEARian said:

---

ABC BEAR said:

---

What a bunch of cry-tits. We Boomers had to struggle with 19% interest rates when we were his age. We made it big, so can he.

---

The most selfish thing the Boomers did was kicking the can down the road in 2008.

You all should have lost half your life savings and solved the underlying issues that created the 2008 financial crisis in the first place.

Instead you all took the freshly printed money and allowed the banks to get bigger and more powerful and our national debt to balloon to historic heights never seen before in human history.

---

Guess I still don't understand the angst against an entire generation. Most of us were just dealing with the hand we were dealt. Yes, the real estate/ junk bonds/ saving and loan debacle was a bloodbath. Extending credit and cheap money to folks that are living beyond their means with no skin in the game (little or no down payment) was a recipe for disaster. When no longer able to make payments, people simply walked away from their mortgages. It appears to me that the current administration did not learn a damn thing and history just may repeat itself. We shall see.

Blaming others for your problems is as old as Time.


It's also undeniably chicken-sh-t.

FLBear5630 said:

---

cowboycwr said:

---

Oldbear83 said:

---

I think the situation is more complex. Planned obsolescence, for example, has happened in different industries at different times. This is due to shifting competitive opportunities and demographics.

It also matters how the public reacts.

---

And right now the public is ok with items becoming obsolete even when they still work and paying $1000 for a new phone every few years.

I am not. I didn't get an iPhone/smart phone for years after it came out. Then had the same one for about 7 years until I got a free one with a new phone plan and currently have an older model and don't plan to upgrade anytime soon.

---

well, you are just great. The rest of society can only hope to be you someday...

---

Ok. Not sure why you got snarky with that response. I was just pointing out that the rest of society is ok with products being forced into being obsolete and buying a new phone every year simply because it is the newest version.

Which leads to the discussion I thought we were having of doing without to save money. That some people do it well but many others do not and spend like crazy but then complain they can't afford things, like a house, like the topic of this thread.

Oldbear83 said:

---

Blaming others for your problems is as old as Time.


It's also undeniably chicken-sh-t.

---

They aren't my problems.

They are your problems that you passed on to others.

Oldbear83 said:

---

Blaming others for your problems is as old as Time.

---

And it's a cornerstone of modern woke liberalism

A ideology that young people have been hearing for decades now screamed at them since childhood from every education center, Media/entertainment venue, and culture forming institution.

This is what they wanted kids to believe. Now the Left is mad the kids have internalized the ideas taught to them (just acting out on them in non-leftist approved ways)

The_barBEARian said:

---

Oldbear83 said:

---

Blaming others for your problems is as old as Time.


It's also undeniably chicken-sh-t.

---

They aren't my problems.

They are your problems that you passed on to others.

---

More lies from you.

I left things better than I found them. I sincerely doubt you can say the same, judging from your conduct here.

cowboycwr said:

---

FLBear5630 said:

---

cowboycwr said:

---

Oldbear83 said:

---

I think the situation is more complex. Planned obsolescence, for example, has happened in different industries at different times. This is due to shifting competitive opportunities and demographics.

It also matters how the public reacts.

---

And right now the public is ok with items becoming obsolete even when they still work and paying $1000 for a new phone every few years.

I am not. I didn't get an iPhone/smart phone for years after it came out. Then had the same one for about 7 years until I got a free one with a new phone plan and currently have an older model and don't plan to upgrade anytime soon.

---

well, you are just great. The rest of society can only hope to be you someday...

---

Ok. Not sure why you got snarky with that response. I was just pointing out that the rest of society is ok with products being forced into being obsolete and buying a new phone every year simply because it is the newest version.

Which leads to the discussion I thought we were having of doing without to save money. That some people do it well but many others do not and spend like crazy but then complain they can't afford things, like a house, like the topic of this thread.

---

Seriously, Not sure where that one came from. But, I went back erased and I apologize.

These threads always end up the same, just a few specifics are lightly touched upon, and one half of the country or the other is blamed.

I think the reason is, it is really hard to figure out a fix. Neither political party is making big fixes when they are in power, and not entirely from lack of want. But the best Repubs can do is deregulation, and guess where that is? Shelved while they work on tariffs, a new war with Venezuela, tax cuts for thd rich, and instead of addressing health care, pushing people into worse policies so they can pretend to keep the cost down.

It would be fun to consider root causes of housing unaffordability like investors, foreign and domestic, and how we can do something about that. Or how we can fix Healthcare price gouging. Or cost of living. But instead, blame game.

Porteroso said:

---

These threads always end up the same, just a few specifics are lightly touched upon, and one half of the country or the other is blamed.

I think the reason is, it is really hard to figure out a fix. Neither political party is making big fixes when they are in power, and not entirely from lack of want. But the best Repubs can do is deregulation, and guess where that is? Shelved while they work on tariffs, a new war with Venezuela, tax cuts for thd rich, and instead of addressing health care, pushing people into worse policies so they can pretend to keep the cost down.

It would be fun to consider root causes of housing unaffordability like investors, foreign and domestic, and how we can do something about that. Or how we can fix Healthcare price gouging. Or cost of living. But instead, blame game.

---

Damn Boogers & Glue - did you have ChatGPT on ******ed mode when you pasted that?

The cause of every problem you listed is government intervention.

GrowlTowel said:

---

The cause of every problem you listed is government intervention.

---

So just go back to if you can afford Healthcare, you get it, if you can't, die? If you are rich, buy a house, if you are middle class, rent in a bad neighborhood?

The topic of this thread is not really about that. It's about these things costing much more than they used to. Cost of housing for example, has not vastly increased relative to wages because of the government. That is false.

And the entire reason we had Obamacare is because people were being priced out of Healthcare by the tens of millions. Some with pre-existing conditions couldn't get good coverage at any price.

So that is false as well. Rising cost of living, give me a break.

Youre doing exactly what I'm complaining about. Just playing the blame game. No solution.

So take health care, how do you get government out of it, and also have it be affordable? I'm talking 1950s affordable, not a reset to how bad it was before Obamacare.

Or housing. How do you make housing affordable to young people?

Or cost of living. If we shelve the idea of mass government subsidy of everything commonly used in living, how do we make diapers cost something reasonable again, or anything else?

Do you have any ideas, at all?

Porteroso said:

---

GrowlTowel said:

---

The cause of every problem you listed is government intervention.

---

So just go back to if you can afford Healthcare, you get it, if you can't, die? If you are rich, buy a house, if you are middle class, rent in a bad neighborhood?

The topic of this thread is not really about that. It's about these things costing much more than they used to. Cost of housing for example, has not vastly increased relative to wages because of the government. That is false.

And the entire reason we had Obamacare is because people were being priced out of Healthcare by the tens of millions. Some with pre-existing conditions couldn't get good coverage at any price.

So that is false as well. Rising cost of living, give me a break.

Youre doing exactly what I'm complaining about. Just playing the blame game. No solution.

So take health care, how do you get government out of it, and also have it be affordable? I'm talking 1950s affordable, not a reset to how bad it was before Obamacare.

Or housing. How do you make housing affordable to young people?

Or cost of living. If we shelve the idea of mass government subsidy of everything commonly used in living, how do we make diapers cost something reasonable again, or anything else?

Do you have any ideas, at all?

---

This is a Baylor message Board, almost all of us would be considered "Haves". Some us considered the elite, top 1%. These are not catastrophic issues. Worse case, discretionary funds reduce.

People on here talk in terms of good investments, investment opportunities, sound financial management, debt loads, and chiding people for not paying off their credit cards monthly (the irresponsible ones).

So, why do you think we will come up with solutions for real issues impacting people that as close to Baylor they can get is driving by on I35? It does not impact any of us enough. Now, if it does impact us or someone we care about, like the drug issues, than we are good with moving an Aircraft Carrier Battle Group to the Caribbean and blowing up any boat heading north no matter how much it costs.

So, buying a house to us is about a good deal, good interest rates and resale. The housing issues is an opportunity to make revenue from rent. Milton Friedman is great...

Health Insurance is a fringe benefit we get through our jobs and is subsidized by the Company. Everything is great, leave it alone we can get health care don't **** with it. No one on here would be caught dead with ACA, so let it escalate.

That is why there are no solutions, the problem has not hit us "Haves" enough for us to give a *****

Porteroso said:

---

GrowlTowel said:

---

The cause of every problem you listed is government intervention.

---

So just go back to if you can afford Healthcare, you get it, if you can't, die? If you are rich, buy a house, if you are middle class, rent in a bad neighborhood?

The topic of this thread is not really about that. It's about these things costing much more than they used to. Cost of housing for example, has not vastly increased relative to wages because of the government. That is false.

And the entire reason we had Obamacare is because people were being priced out of Healthcare by the tens of millions. Some with pre-existing conditions couldn't get good coverage at any price.

So that is false as well. Rising cost of living, give me a break.

Youre doing exactly what I'm complaining about. Just playing the blame game. No solution.

So take health care, how do you get government out of it, and also have it be affordable? I'm talking 1950s affordable, not a reset to how bad it was before Obamacare.

Or housing. How do you make housing affordable to young people?

Or cost of living. If we shelve the idea of mass government subsidy of everything commonly used in living, how do we make diapers cost something reasonable again, or anything else?

Do you have any ideas, at all?

---

He answered lit. But the boogers & glue kept you from
understanding his answer.

FLBear: " the problem has not hit us "Haves" enough for us to give a *****"

That's your opinion, not the common mood. We all see what the economy is doing, and having a degree from Baylor is not the magic wand for money you seem to imagine. Certainly there is also a point of Christian stewardship as well to keep in mind.

I see two big changes from my youth. Financial literacy used to be a thing taught in many places, and delayed gratification was a well understood virtue, at least before 1972.

There are a lot of places where reform is needed, but there is also a strong need for men to be able to accept they are responsible for their own estates.

Oldbear83 said:

---

FLBear: " the problem has not hit us "Haves" enough for us to give a *****"

That's your opinion, not the common mood. We all see what the economy is doing, and having a degree from Baylor is not the magic wand for money you seem to imagine. Certainly there is also a point of Christian stewardship as well to keep in mind.

I see two big changes from my youth. Financial literacy used to be a thing taught in many places, and delayed gratification was a well understood virtue, at least before 1972.

There are a lot of places where reform is needed, but there is also a strong need for men to be able to accept they are responsible for their own estates.

---

You are talking economy. We are talking health care and housing.

Lecturing people that make 45k a year does a lot to help actually get them out of the Emergency Room for sickness.

Your post is the perfect example, to us (I include myself) these are "economic policy" discussions. Teaching financial literacy and living within means can only go so far.

Are you familiar with Maslow's Hierarchy of Needs? We are at the top, we reached a point of security that we can discuss the long term impacts of poor economic policy or the efficiency of ACA. To those that have not reached that level of security, having health care to take care of my kids outweighs what is going to happen in 2034 the SS Trust Fund. We have to close that gap before we can make any progress.

Same with housing, the person whose kid is scared to walk to school only cares about getting into a better neighborhood, they will worry about the other stuff later once their kid is safe. We have a huge disconnect in this Nation.

WhinerFL: " You are talking economy. We are talking health care and housing.

Lecturing people that make 45k a year does a lot to help actually get them out of the Emergency Room for sickness."

Guess what: Health Care and Housing are economics.

And you have hectored and lectured all through this thread, so get off your hypocrisy.

Oldbear83 said:

---

WhinerFL: " You are talking economy. We are talking health care and housing.

Lecturing people that make 45k a year does a lot to help actually get them out of the Emergency Room for sickness."

Guess what: Health Care and Housing are economics.

And you have hectored and lectured all through this thread, so get off your hypocrisy.

---

Yet, you have not come up with one plan to get them out of the ER. Actually, you support what is going to put more people in the ER for the health care.

What have you got besides telling them how they mismanage their money?

Porteroso said:

---

GrowlTowel said:

---

The cause of every problem you listed is government intervention.

---

So just go back to if you can afford Healthcare, you get it, if you can't, die? If you are rich, buy a house, if you are middle class, rent in a bad neighborhood?

The topic of this thread is not really about that. It's about these things costing much more than they used to. Cost of housing for example, has not vastly increased relative to wages because of the government. That is false.

And the entire reason we had Obamacare is because people were being priced out of Healthcare by the tens of millions. Some with pre-existing conditions couldn't get good coverage at any price.

So that is false as well. Rising cost of living, give me a break.

Youre doing exactly what I'm complaining about. Just playing the blame game. No solution.

So take health care, how do you get government out of it, and also have it be affordable? I'm talking 1950s affordable, not a reset to how bad it was before Obamacare.

Or housing. How do you make housing affordable to young people?

Or cost of living. If we shelve the idea of mass government subsidy of everything commonly used in living, how do we make diapers cost something reasonable again, or anything else?

Do you have any ideas, at all?

---

Government caused everything you listed. Do you really think more government will fix them?

FLBear5630 said:

---

Oldbear83 said:

---

WhinerFL: " You are talking economy. We are talking health care and housing.

Lecturing people that make 45k a year does a lot to help actually get them out of the Emergency Room for sickness."

Guess what: Health Care and Housing are economics.

And you have hectored and lectured all through this thread, so get off your hypocrisy.

---

Yet, you have not come up with one plan to get them out of the ER.

---

The plan for the average person is to not fall for voting for more government largesse or voting on grievance promises. Those will lead to more trouble and pain in the long run. Don't be a victim of demagogues who use the impatience and lack of long term thinking as tools to unwarranted power and influence.

"Attitude is more important than the past, than education, than money, than circumstances, than what people do or say. It is more important than appearance, giftedness or skill."

W.C. Fields


"Never give a sucker an even break."

W.C. Fields

FLBear5630 said:

---

Oldbear83 said:

---

WhinerFL: " You are talking economy. We are talking health care and housing.

Lecturing people that make 45k a year does a lot to help actually get them out of the Emergency Room for sickness."

Guess what: Health Care and Housing are economics.

And you have hectored and lectured all through this thread, so get off your hypocrisy.

---

Yet, you have not come up with one plan to get them out of the ER. Actually, you support what is going to put more people in the ER for the health care.

What have you got besides telling them how they mismanage their money?

---

Lying about me doesn't make your rants more rational, FLBear.

I doubt you could actually remember my positions on healthcare, even though I have been clear on them.

FLBear5630 said:

---

cowboycwr said:

---

FLBear5630 said:

---

cowboycwr said:

---

Oldbear83 said:

---

I think the situation is more complex. Planned obsolescence, for example, has happened in different industries at different times. This is due to shifting competitive opportunities and demographics.

It also matters how the public reacts.

---

And right now the public is ok with items becoming obsolete even when they still work and paying $1000 for a new phone every few years.

I am not. I didn't get an iPhone/smart phone for years after it came out. Then had the same one for about 7 years until I got a free one with a new phone plan and currently have an older model and don't plan to upgrade anytime soon.

---

well, you are just great. The rest of society can only hope to be you someday...

---

Ok. Not sure why you got snarky with that response. I was just pointing out that the rest of society is ok with products being forced into being obsolete and buying a new phone every year simply because it is the newest version.

Which leads to the discussion I thought we were having of doing without to save money. That some people do it well but many others do not and spend like crazy but then complain they can't afford things, like a house, like the topic of this thread.

---

Seriously, Not sure where that one came from. But, I went back erased and I apologize.

---

I appreciate it. I thought we were having a good discussion about how people don't save because they don't prioritize what is actually a necessity versus a want. But also how it is harder to compare today's needs to needs of previous generations.

For example, the phone thing. 30 years ago a family only needed one phone. Today most families need at least two phones for the parents. And that means much more cost for the family versus 30 years ago.

Porteroso said:

---

GrowlTowel said:

---

The cause of every problem you listed is government intervention.

---

So just go back to if you can afford Healthcare, you get it, if you can't, die? If you are rich, buy a house, if you are middle class, rent in a bad neighborhood?

The topic of this thread is not really about that. It's about these things costing much more than they used to. Cost of housing for example, has not vastly increased relative to wages because of the government. That is false.

And the entire reason we had Obamacare is because people were being priced out of Healthcare by the tens of millions. Some with pre-existing conditions couldn't get good coverage at any price.

So that is false as well. Rising cost of living, give me a break.

Youre doing exactly what I'm complaining about. Just playing the blame game. No solution.

So take health care, how do you get government out of it, and also have it be affordable? I'm talking 1950s affordable, not a reset to how bad it was before Obamacare.

Or housing. How do you make housing affordable to young people?

Or cost of living. If we shelve the idea of mass government subsidy of everything commonly used in living, how do we make diapers cost something reasonable again, or anything else?

Do you have any ideas, at all?

---

Price controls.

No reason a tums at the hospital should be $30.

No reason to charge several thousand for X-rays just to pay a person to run the machine, someone to "read" it, and then your actual doctor to determine what to do with it.

Etc.

Fix the costs and then insurance companies will be more likely to offer coverage even for people with medical issues/conditions.

FLBear5630 said:

---

Porteroso said:

---

GrowlTowel said:

---

The cause of every problem you listed is government intervention.

---

So just go back to if you can afford Healthcare, you get it, if you can't, die? If you are rich, buy a house, if you are middle class, rent in a bad neighborhood?

The topic of this thread is not really about that. It's about these things costing much more than they used to. Cost of housing for example, has not vastly increased relative to wages because of the government. That is false.

And the entire reason we had Obamacare is because people were being priced out of Healthcare by the tens of millions. Some with pre-existing conditions couldn't get good coverage at any price.

So that is false as well. Rising cost of living, give me a break.

Youre doing exactly what I'm complaining about. Just playing the blame game. No solution.

So take health care, how do you get government out of it, and also have it be affordable? I'm talking 1950s affordable, not a reset to how bad it was before Obamacare.

Or housing. How do you make housing affordable to young people?

Or cost of living. If we shelve the idea of mass government subsidy of everything commonly used in living, how do we make diapers cost something reasonable again, or anything else?

Do you have any ideas, at all?

---

This is a Baylor message Board, almost all of us would be considered "Haves". Some us considered the elite, top 1%. These are not catastrophic issues. Worse case, discretionary funds reduce.

People on here talk in terms of good investments, investment opportunities, sound financial management, debt loads, and chiding people for not paying off their credit cards monthly (the irresponsible ones).

So, why do you think we will come up with solutions for real issues impacting people that as close to Baylor they can get is driving by on I35? It does not impact any of us enough. Now, if it does impact us or someone we care about, like the drug issues, than we are good with moving an Aircraft Carrier Battle Group to the Caribbean and blowing up any boat heading north no matter how much it costs.

So, buying a house to us is about a good deal, good interest rates and resale. The housing issues is an opportunity to make revenue from rent. Milton Friedman is great...

Health Insurance is a fringe benefit we get through our jobs and is subsidized by the Company. Everything is great, leave it alone we can get health care don't **** with it. No one on here would be caught dead with ACA, so let it escalate.

That is why there are no solutions, the problem has not hit us "Haves" enough for us to give a *****

---

Maybe for the older Baylor grads what you typed is true.

Not for the younger grads, or ones that get into Baylor and only were able to attend because of massive financial aid (grants, scholarships, loans) and come from low middle class or even poverty. And yes there are Baylor students like that.

Oldbear83 said:

---

Blaming others for your problems is as old as Time.


It's also undeniably chicken-sh-t.

---

It's why Marxism always fails. It relentlessly seeks an oppressor to vilify and punish. Since scapegoats can be invented out of whole cloth, there is never any need to bother with the messy business of actually solving problems.

cowboycwr said:

---

FLBear5630 said:

---

Porteroso said:

---

GrowlTowel said:

---

The cause of every problem you listed is government intervention.

---

So just go back to if you can afford Healthcare, you get it, if you can't, die? If you are rich, buy a house, if you are middle class, rent in a bad neighborhood?

The topic of this thread is not really about that. It's about these things costing much more than they used to. Cost of housing for example, has not vastly increased relative to wages because of the government. That is false.

And the entire reason we had Obamacare is because people were being priced out of Healthcare by the tens of millions. Some with pre-existing conditions couldn't get good coverage at any price.

So that is false as well. Rising cost of living, give me a break.

Youre doing exactly what I'm complaining about. Just playing the blame game. No solution.

So take health care, how do you get government out of it, and also have it be affordable? I'm talking 1950s affordable, not a reset to how bad it was before Obamacare.

Or housing. How do you make housing affordable to young people?

Or cost of living. If we shelve the idea of mass government subsidy of everything commonly used in living, how do we make diapers cost something reasonable again, or anything else?

Do you have any ideas, at all?

---

This is a Baylor message Board, almost all of us would be considered "Haves". Some us considered the elite, top 1%. These are not catastrophic issues. Worse case, discretionary funds reduce.

People on here talk in terms of good investments, investment opportunities, sound financial management, debt loads, and chiding people for not paying off their credit cards monthly (the irresponsible ones).

So, why do you think we will come up with solutions for real issues impacting people that as close to Baylor they can get is driving by on I35? It does not impact any of us enough. Now, if it does impact us or someone we care about, like the drug issues, than we are good with moving an Aircraft Carrier Battle Group to the Caribbean and blowing up any boat heading north no matter how much it costs.

So, buying a house to us is about a good deal, good interest rates and resale. The housing issues is an opportunity to make revenue from rent. Milton Friedman is great...

Health Insurance is a fringe benefit we get through our jobs and is subsidized by the Company. Everything is great, leave it alone we can get health care don't **** with it. No one on here would be caught dead with ACA, so let it escalate.

That is why there are no solutions, the problem has not hit us "Haves" enough for us to give a *****

---

Maybe for the older Baylor grads what you typed is true.

Not for the younger grads, or ones that get into Baylor and only were able to attend because of massive financial aid (grants, scholarships, loans) and come from low middle class or even poverty. And yes there are Baylor students like that.

---

On this Board, taking part in our conversations? I can count 2, maybe 3 that come from working class families. Not owning 1000 acre ranches, but pumping gas or small businesses?

The issues we discuss dont really effect us. How many on here have ACA? How many here cant qualify for a mortgage? Not lecturing, stating a fact. For those items, let the rates go up. For drugs and immigration, use the military costs be damned..

Obamacare and even housing affect us as a group less, so we dont care if the rates skyrocket, it is even the persons fault for being on ACA, losers...

FLBear5630 said:

---

cowboycwr said:

---

FLBear5630 said:

---

Porteroso said:

---

GrowlTowel said:

---

The cause of every problem you listed is government intervention.

---

So just go back to if you can afford Healthcare, you get it, if you can't, die? If you are rich, buy a house, if you are middle class, rent in a bad neighborhood?

The topic of this thread is not really about that. It's about these things costing much more than they used to. Cost of housing for example, has not vastly increased relative to wages because of the government. That is false.

And the entire reason we had Obamacare is because people were being priced out of Healthcare by the tens of millions. Some with pre-existing conditions couldn't get good coverage at any price.

So that is false as well. Rising cost of living, give me a break.

Youre doing exactly what I'm complaining about. Just playing the blame game. No solution.

So take health care, how do you get government out of it, and also have it be affordable? I'm talking 1950s affordable, not a reset to how bad it was before Obamacare.

Or housing. How do you make housing affordable to young people?

Or cost of living. If we shelve the idea of mass government subsidy of everything commonly used in living, how do we make diapers cost something reasonable again, or anything else?

Do you have any ideas, at all?

---

This is a Baylor message Board, almost all of us would be considered "Haves". Some us considered the elite, top 1%. These are not catastrophic issues. Worse case, discretionary funds reduce.

People on here talk in terms of good investments, investment opportunities, sound financial management, debt loads, and chiding people for not paying off their credit cards monthly (the irresponsible ones).

So, why do you think we will come up with solutions for real issues impacting people that as close to Baylor they can get is driving by on I35? It does not impact any of us enough. Now, if it does impact us or someone we care about, like the drug issues, than we are good with moving an Aircraft Carrier Battle Group to the Caribbean and blowing up any boat heading north no matter how much it costs.

So, buying a house to us is about a good deal, good interest rates and resale. The housing issues is an opportunity to make revenue from rent. Milton Friedman is great...

Health Insurance is a fringe benefit we get through our jobs and is subsidized by the Company. Everything is great, leave it alone we can get health care don't **** with it. No one on here would be caught dead with ACA, so let it escalate.

That is why there are no solutions, the problem has not hit us "Haves" enough for us to give a *****

---

Maybe for the older Baylor grads what you typed is true.

Not for the younger grads, or ones that get into Baylor and only were able to attend because of massive financial aid (grants, scholarships, loans) and come from low middle class or even poverty. And yes there are Baylor students like that.

---

On this Board, taking part in our conversations? I can count 2, maybe 3 that come from working class families. Not owning 1000 acre ranches, but pumping gas or small businesses?

The issues we discuss dont really effect us. How many on here have ACA? How many here cant qualify for a mortgage? Not lecturing, stating a fact. For those items, let the rates go up. For drugs and immigration, use the military costs be damned..

Obamacare and even housing affect us as a group less, so we dont care if the rates skyrocket, it is even the persons fault for being on ACA, losers...

---

you really ought to read this article.

https://claremontreviewofbooks.com/never-trump-after-2024/

whiterock said:

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FLBear5630 said:

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cowboycwr said:

---

FLBear5630 said:

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Porteroso said:

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GrowlTowel said:

---

The cause of every problem you listed is government intervention.

---

So just go back to if you can afford Healthcare, you get it, if you can't, die? If you are rich, buy a house, if you are middle class, rent in a bad neighborhood?

The topic of this thread is not really about that. It's about these things costing much more than they used to. Cost of housing for example, has not vastly increased relative to wages because of the government. That is false.

And the entire reason we had Obamacare is because people were being priced out of Healthcare by the tens of millions. Some with pre-existing conditions couldn't get good coverage at any price.

So that is false as well. Rising cost of living, give me a break.

Youre doing exactly what I'm complaining about. Just playing the blame game. No solution.

So take health care, how do you get government out of it, and also have it be affordable? I'm talking 1950s affordable, not a reset to how bad it was before Obamacare.

Or housing. How do you make housing affordable to young people?

Or cost of living. If we shelve the idea of mass government subsidy of everything commonly used in living, how do we make diapers cost something reasonable again, or anything else?

Do you have any ideas, at all?

---

This is a Baylor message Board, almost all of us would be considered "Haves". Some us considered the elite, top 1%. These are not catastrophic issues. Worse case, discretionary funds reduce.

People on here talk in terms of good investments, investment opportunities, sound financial management, debt loads, and chiding people for not paying off their credit cards monthly (the irresponsible ones).

So, why do you think we will come up with solutions for real issues impacting people that as close to Baylor they can get is driving by on I35? It does not impact any of us enough. Now, if it does impact us or someone we care about, like the drug issues, than we are good with moving an Aircraft Carrier Battle Group to the Caribbean and blowing up any boat heading north no matter how much it costs.

So, buying a house to us is about a good deal, good interest rates and resale. The housing issues is an opportunity to make revenue from rent. Milton Friedman is great...

Health Insurance is a fringe benefit we get through our jobs and is subsidized by the Company. Everything is great, leave it alone we can get health care don't **** with it. No one on here would be caught dead with ACA, so let it escalate.

That is why there are no solutions, the problem has not hit us "Haves" enough for us to give a *****

---

Maybe for the older Baylor grads what you typed is true.

Not for the younger grads, or ones that get into Baylor and only were able to attend because of massive financial aid (grants, scholarships, loans) and come from low middle class or even poverty. And yes there are Baylor students like that.

---

On this Board, taking part in our conversations? I can count 2, maybe 3 that come from working class families. Not owning 1000 acre ranches, but pumping gas or small businesses?

The issues we discuss dont really effect us. How many on here have ACA? How many here cant qualify for a mortgage? Not lecturing, stating a fact. For those items, let the rates go up. For drugs and immigration, use the military costs be damned..

Obamacare and even housing affect us as a group less, so we dont care if the rates skyrocket, it is even the persons fault for being on ACA, losers...

---

you really ought to read this article.

https://claremontreviewofbooks.com/never-trump-after-2024/

---

What does that have to do with the subject? This isn't a Trump post, it is a Congress post. Trump actually wanted to extend ACA for 2 years and replace it. I have no issue with Trump on this issue. This is a Johnson thing, probably backed by Rick Scott on the Senate side who made his fortune through Health Insurance.

You continue to misread me. I voted for Trump 3 times, I like 90% of his policies. I thought he got screwed in his first term. My problem with him this time is some of the people he picked for Cabinet posts, his pettiness and finally the way he goes about being the President of the US. It is not Trump Enterprises, their are ramifications beyond him and what he wants. That is my issue. As I have said NUMEROUS times, it is not the what, it is the how. You guys keep focusing on the WHAT.

CowboyCR: " No reason a tums at the hospital should be $30.

No reason to charge several thousand for X-rays just to pay a person to run the machine, someone to "read" it, and then your actual doctor to determine what to do with it."

Interesting pair of examples. A big part of those happening was hospitals trying to make up losses from treating illegals who never paid a dime, as well as the demise of independent 3rd party claims administrators. Doctors and hospitals and insurance companies complained the indie admins were just additional bureaucracy, but once they were removed the costs shot up for everything.

And worse, some basic things are not covered the way they should be. For example, I can't go to MD Anderson anymore because Medicare won't cover their tests. I would have to pay 100% out of pocket with no cap to see the oncologist who best knows my case. No reason but money, and no one looking out for the patient.

hodedofome said:

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KaiBear said:

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hodedofome said:

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Redbrickbear said:

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our entire economy is becoming centered around providing heroic life prolonging care to baby boomers at the expense of every other living generation's ability to build a life and have a home and a family https://t.co/N1x4wtXLRV

— doomer (@uncledoomer) December 24, 2025

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I refuse to let this happen to my family.

I don't pay the medical bills when they come in. I haven't seen a poor doctor or a hospital with crappy landscaping. They are doing alright without my additional funds.

The reality is if I pay the bill these days the doctor is getting his cut, but so is the PE fund manager. I have no desire to contribute to a PE fund manager's 3rd vacation home.

---

I am unclear what you are representing.

Have you accepted medical services from a doctor and / or hospital ; but now refuse to pay their invoices for those services ?

---

I don't think you can legally call what I have received as accepted medical services.

I am told to show up early, whereby I wait until the doctor is ready. In no other business is this acceptable except for working with our dumb federal agencies.

The doctor decides what he wants to do to me, but has no idea how much it may cost. "It's complicated and I can't be expected to know that." Well I've worked in complicated businesses all my life, and we always give the customer the price before they buy. And they hold us to it.

If I'm lucky, I'll find an office manager who can give me a price, but there is little chance that's the actual price. I'll get bills from companies I've never heard of, and for things like facility fees which should be illegal. I never agreed to any of these things, they just come in for a period of months and I'm expected to pay them. In no other business is this type of behavior acceptable.

Tell me, when you don't pay a medical bill, what happens? I'll tell you what happens when I don't pay - nothing. Nothing happens.

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you are a thief and NO our HC is way effed

FLBear5630 said:

---

cowboycwr said:

---

FLBear5630 said:

---

Porteroso said:

---

GrowlTowel said:

---

The cause of every problem you listed is government intervention.

---

So just go back to if you can afford Healthcare, you get it, if you can't, die? If you are rich, buy a house, if you are middle class, rent in a bad neighborhood?

The topic of this thread is not really about that. It's about these things costing much more than they used to. Cost of housing for example, has not vastly increased relative to wages because of the government. That is false.

And the entire reason we had Obamacare is because people were being priced out of Healthcare by the tens of millions. Some with pre-existing conditions couldn't get good coverage at any price.

So that is false as well. Rising cost of living, give me a break.

Youre doing exactly what I'm complaining about. Just playing the blame game. No solution.

So take health care, how do you get government out of it, and also have it be affordable? I'm talking 1950s affordable, not a reset to how bad it was before Obamacare.

Or housing. How do you make housing affordable to young people?

Or cost of living. If we shelve the idea of mass government subsidy of everything commonly used in living, how do we make diapers cost something reasonable again, or anything else?

Do you have any ideas, at all?

---

This is a Baylor message Board, almost all of us would be considered "Haves". Some us considered the elite, top 1%. These are not catastrophic issues. Worse case, discretionary funds reduce.

People on here talk in terms of good investments, investment opportunities, sound financial management, debt loads, and chiding people for not paying off their credit cards monthly (the irresponsible ones).

So, why do you think we will come up with solutions for real issues impacting people that as close to Baylor they can get is driving by on I35? It does not impact any of us enough. Now, if it does impact us or someone we care about, like the drug issues, than we are good with moving an Aircraft Carrier Battle Group to the Caribbean and blowing up any boat heading north no matter how much it costs.

So, buying a house to us is about a good deal, good interest rates and resale. The housing issues is an opportunity to make revenue from rent. Milton Friedman is great...

Health Insurance is a fringe benefit we get through our jobs and is subsidized by the Company. Everything is great, leave it alone we can get health care don't **** with it. No one on here would be caught dead with ACA, so let it escalate.

That is why there are no solutions, the problem has not hit us "Haves" enough for us to give a *****

---

Maybe for the older Baylor grads what you typed is true.

Not for the younger grads, or ones that get into Baylor and only were able to attend because of massive financial aid (grants, scholarships, loans) and come from low middle class or even poverty. And yes there are Baylor students like that.

---

On this Board, taking part in our conversations? I can count 2, maybe 3 that come from working class families. Not owning 1000 acre ranches, but pumping gas or small businesses?

The issues we discuss dont really effect us. How many on here have ACA? How many here cant qualify for a mortgage? Not lecturing, stating a fact. For those items, let the rates go up. For drugs and immigration, use the military costs be damned..

Obamacare and even housing affect us as a group less, so we dont care if the rates skyrocket, it is even the persons fault for being on ACA, losers...

---

I'd be curious to see whom on this board are on ACA? I know most of you get your govt cheddar HC from your job or govt. (that is a problem). I was on the ACA for about 1yr due to a pre-existing condition and could not get insurance, anywhere. I paid 100% of the premiums and it was terrible. I finally found a work around but cost me some$. Had to create and LLC with me as member and kids as employees and was able to get a PPO and pay $2200/month for me and 25yr old son. and got a concierge dr. while I was at it. Pricey.