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Old 10-17-2013, 12:46 AM  
jaa1025 jaa1025 is online now
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Is the Republican Party the thing of the past? Doom and Gloom

I'll give the democrats this, they have a brilliant approach to guarantee a long career in politics. They won't be beaten again.

Keys to victory:
-Own the mainstream media. CNN, MSNBC etc
-Own the national news papers. NYT, Washington Post etc
-Own the online "news" like Yahoo News and other popular online news sites.
-Own Hollywood

This creates propaganda 24x7.

-Own the uninformed voter that cares more about voting based on race or their own personal agenda's instead of what's better for the country.

-Black vote is heavy Obama for the simple reason: he is black. They own a strong advantage in the woman's vote because of Pro Choice and they revere Hillary Clinton.

-Own the poor vote by sacrificing the upper/middle class by extreme taxes. They are much more likely to turn out because what else do they have to do other than vote. Voting can be seen as their job, because if they don't vote, their handouts can get taken away or altered. They are also moving a lot of the middle class into the poor class, thus increasing their voting pool.

-Own the Hispanic vote by opening the floodgates along the southern border no matter how damaging this is to the economy. This vote will only get larger.

-Own the younger vote by putting extreme leftist in colleges to pollute young, impressionable minds.

-Buy votes with special treatment. Obamacare is hated by the country, yet they depend on the unions so they pass exemptions for them. Oh, don't want their own party in congress to start questioning it, so they pass exemptions for them.


Their tactics are sickening, but brilliant. No way can the Republicans or any potential party compete with the propaganda machine, free handouts and illegal immigrants amnesty. I honestly can't see the Republicans ever winning another presidential election and after this latest f up, I don't see them controlling the house/senate anytime soon.

Never has a President been able to and excused for lying as much as Obama. Never have I seen a President continue to convince people that it's OK to spend up to 1/4 of your income on healthcare, where no where in the world spends more than 4% of their income on healthcare. I sat and watched a young democrat college student at a very prominent school beg to be taxed 60% of her income or more. Are you effing stupid I thought?

I think there is more likely to be a civil war, complete collapse of the US or the red states seceding before republicans control the white house again, not unless things change significantly.

As an American, I am terrified. Regardless of political affiliation, you should be to.

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Old 10-17-2013, 02:41 PM   #46
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I predict a lot of this..

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Old 10-17-2013, 02:50 PM   #47
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Originally Posted by DJ's left nut View Post
Ironic post is ironic.

But it's also simply misinformed. At worst, Democrats are the equal of Republicans in the 'haughtiness' category. As has been said many times around here, Democrats are the party of inclusion, so long as you agree with them.

Look at the rhetoric they've been throwing around even over the last couple of weeks. Republicans have been called every name in the book, all the way up to terrorists.

The issue as I see it anyway is that the Democratic ideology is a phenomenal soundbite ideology. Hell, I've been saying that since the late-90s when I become at all politically aware. Being a Democrat sounds far more fun and simply more fair on its face. In 10 second quips, populism rules the world.

And things like the rise of the Twitterverse and the constant bombardment of messages (or stimuli in general), we've become a culture based around soundbites. The Republican soundbite is a harder pitch to make - immigration is a perfect example. It just sounds mean whereas the D approach of letting everyone in and being inclusive doesn't. In the end, however, the D approach isn't tenable either because of simple stuff like the Freerider Effect that we've known about for decades.

The Republican Party isn't dead because the Democratic economic approach can't hold up. According to some of our esteemed D posters around here, the fact that the economy has been in a stall at best throughout Obama's administration is the Rs fault, but lets say another D wins in 2016 - it'll stay in a stall. If the Ds take control of the House and Senate, it'll go into outright freefall. Businesses cannot and will not operate in this climate of regulation. I know it's absolutely blistering my firm and that's only because our clients have been so overwrought by the demands being made on them that they're passing them down. The economy can't thrive under this.

But it can't really be allowed to run completely unregulated either. There's a happy medium that the electorate inadvertently creates through their fickle nature. The worm will turn - it always does. And it will be because the D's will eventually run out of people to blame for a wrongheaded economic approach.

Rs are fighting uphill - there's no question. It's harder to build arguments in 140 characters centered on self-sufficiency and fiscal responsibility. And I'm sorry, Ds just cannot claim there is no media bias - there clearly is. But it's not an impossible battle and the R message still resonates in many many ways with the majority of Americans. They just need to stop taking bait and allowing shiny objects distract them into fights that they don't want. Quit arguing gay marriage - you'll lose (again, the soundbites are awful). Quit allowing yourself to get drawn into friggen discourses on rape. How the !@#$ does that even happen?

Just focus on outcomes - because for a vast majority of Americans, the Obama administrations outcomes will be largely negative. These Obamacare measures are going to lead to increased premiums, tax burdens and joblessness for more people than it helps. The Democrats, as is their custom, will blame everyone else for those problems but in the end the Democratic Messiah's name is slapped on the thing. Good luck passing that off as a Republican screwup.
Which regulations are you referring to that affect your clients so much that it harms your business?
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Old 10-17-2013, 02:55 PM   #48
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Student? I manage a significant amount of assets.

I never said everything was wine and roses, but you having a political ax to grind doesn't change what's actually happening.

The health care sector is clearly suffering as evidenced by the healthcare ETF.

Also,the CFPB is a good thing and was needed. Crying about having to comply with it is....well....dumb. Perhaps you should bitch to the companies who conducted business that requires the CFPB be around.

Finally, @ saying Obama is my hero. The guy is an awful president. He has extended many of Bush's war on terror bullshit programs. He has not had his Justice Department nor the SEC go after many of the prosecutable crimes from the financial crisis. Whine some more and try again.
The CFPB is an unabashed trainwreck. On any given day it will issue rulings that directly contradict each other. Good luck trying to comply with it - it is literally an impossibility, especially when taken in concert with other laws already on the books. No, it's not a good thing. Perhaps actually enforcing a number of the regulations already contained within our staggeringly bloated CFR would've been the way to go.

We didn't need another regulatory body, we simply needed the ones we had to do their jobs.

And you don't really think that ETFs are an indicator of the on the ground consequences of these regulations, do you? Hospitals and especially the broad healthcare operators are girding up for some nasty consequences of Obamacare.

But again - I've said several times that your guy could prove me wrong (with a bill he's never actually read), but I very much doubt it. I'm fine with passing it, running it and watching it explode into a ball of fire. If it does what he says it will and reduces premiums, increases quality of care and doesn't become what appears to be yet another exceptionally expensive redistribution of wealth - he wins. Hell, if that's the case we all win. Hurray Obama.

It's not going to be the case. This is going to create even more runaway spending. It will do nothing to increase quality of care, it will do even less to control increasing healthcare costs. What it will do is provide heavily subsidized healthcare coverage to people that were almost all already eligible for Medicaid. In short, it's just going to turn into another massive entitlement program.

And honestly, I think that's what he was after all along. He believes his bullshit, IMO. He believes he's the populist messiah. He never wanted anything that truly benefited everyone - he just wanted another massive entitlement program that attempts to bring in line a system he views as founded upon inequity.

But he probably wouldn't have gotten elected on that.
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Old 10-17-2013, 03:01 PM   #49
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I remember reading the democratic party was soon dead years ago. Neither will happen...
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Old 10-17-2013, 03:03 PM   #50
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Originally Posted by DJ's left nut View Post
.

And you don't really think that ETFs are an indicator of the on the ground consequences of these regulations, do you? Hospitals and especially the broad healthcare operators are girding up for some nasty consequences of Obamacare.
ACA is a handout to the healthcare industry. Insurers love it because more people are compelled to by their product. Hospitals love it because they won't have the same level of bad debt expense for treating the uninsured (you can thank Raygun for that mandate).

ACA makes the health care industry more profitable.
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Old 10-17-2013, 03:06 PM   #51
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Which regulations are you referring to that affect your clients so much that it harms your business?
Mostly audit and accounting regs. What we're trying to deal with now has been a simple trust account issue. We have, as most firms, an IOLTA account that deals with client money. Our system has been approved by the Bar and all state regulations and ran just fine under all existing federal regulations. But at any given time we have literally hundreds of different clients and/or Plaintiffs. The CFPB has enacted regulations requiring that many of our clients become more strict in their handling of their money. As a consequence, many have required individual trust accounts and more expect to do so within the next 18 months.

So when at full throat we will have dozens, potentially over 100, different trust accounts we'll have to monitor and make individual physical deposits into. Nevermind the fact that we have a 100K software program that tracks all of that and can determine to the penny exactly who is owed what and why (as well as scans in all payment instruments) - we have to have individual trust accounts for each client to funnel that money into before forwarding it to the client.

There is absolutely no benefit to that. But things like that are never considered when you're simply pushing the bar as far towards the politically popular side as possible. This has created no benefit for consumers but has created massive administrative headaches for all of our clients that are now passed down to us.

And frankly, we get it secondhand. Our clients have it worse.

And there's always something else on the way. We'll get a handle on this. It'll cost us money and wasted labor, but as anything we'll adjust. But then something else will come down the pipe. All it costs is money and time. But that's money and time that could be used for expansion, raises, etc...

It's just a frustratingly inefficient use of time, effort and energy and for no benefit.
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Old 10-17-2013, 03:14 PM   #52
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It's the President's responsibility to lead - he never even tried.

So when the Republicans ultimately pass a bi-partisan bill but play politics in doing so (as is always the case in Washington), that justifies a President to decide '**** 'em' for the duration of his Presidency? The bill passed with Republican support. They just did the sort of things the minority party always does, on both sides of the aisle.

But then again, you don't really think that Obama would've come in as The Great Uniter had the Republicans sought it. You were there with the rest of the Ds preaching "we won, you'll do what we say and like it".

Regardless, the President sets the tone (or at least he should). This one certainly did when he surrounded himself with people like Pelosi and told everyone else to screw off. You folks acting all wounded that his opponents can't stand this President are being openly and obviously disingenuous. You've never cared about the President's opponents, nor have his advisers or allies. They're simply speedbumps on the great Obama expressway to whatever utopia it is he's concocted in that 'progressive' little mind of his.
The problem is that a lot of people were fed up with the President. That was where the Republicans should have developed effective counter-proposals. Instead, they looked like a group with such a grudge against the President that they were willing to say "no" to everything. They have actual leaked communications strongly communicating that the Republicans block Obama to make him look bad.

They become the party of "no." The Republicans treated this thing like a grudge match. This whole budget battle would have been different if they put a real counter-proposal on the table months ago, and chose their battles. They didn't. They waited until the 25th hour to come up with a real counter-proposal, and chose to ask for completely ridiculous demands throughout the whole process.
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Old 10-17-2013, 03:15 PM   #53
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ACA is a handout to the healthcare industry. Insurers love it because more people are compelled to by their product. Hospitals love it because they won't have the same level of bad debt expense for treating the uninsured (you can thank Raygun for that mandate).

ACA makes the health care industry more profitable.
We shall see.

I know the narrative - I just don't buy it. 'Bad Debt' figures are inflated by using chargemaster numbers for the purposes of securing the best tax treatment possible. They've always been high.

In the meantime, what you're going to see is a cottage industry pop up with insurance providers offering extremely high deductibles and mediocre coverage. In the end, the hospitals will still be having to figure out how to collect on that.

When last I spoke with someone on the issue, I know the average suit amount on a hospital bill was in the neighborhood of about 3K, at least within that system (but that system had several thousand beds). I'm fairly certain that's going to be below the deductibles of many of these new exchange policies anyway.

In practice, I don't see this as greatly impacting the bottom lines of most hospitals.
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Old 10-17-2013, 03:19 PM   #54
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The problem is that a lot of people were fed up with the President. That was where the Republicans should have developed effective counter-proposals. Instead, they looked like a group with such a grudge against the President that they were willing to say "no" to everything. They have actual leaked communications strongly communicating that the Republicans block Obama to make him look bad.

They become the party of "no." The Republicans treated this thing like a grudge match. This whole budget battle would have been different if they put a real counter-proposal on the table months ago, and chose their battles. They didn't. They waited until the 25th hour to come up with a real counter-proposal, and chose to ask for completely ridiculous demands throughout the whole process.
What options did they have?

For most of the administration they've wielded no hammer at all. And when they get one, the President still refuses to come to the table.

This argument was stupid from both sides. The Democrats have done little but ensure that this bill will face attack every single time the Republicans have any shred of authority. If they ever get a lot of it (and all it takes is one bad candidate from the Ds and one good one from the Rs; again - voters are fickle), the ACA may be gone altogether.

They'll either fight for eternity or eventually come to the consensus they should've been working towards from day 1.

Both sides have been pigheaded here but only 1 of those sides really had the ability to make a change. Instead they've followed the route of guys like Cave: "Shut up - we're in charge".

Okay. Works for me. You'd better stay in charge forever, fellas...
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Old 10-17-2013, 03:19 PM   #55
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Mostly audit and accounting regs. What we're trying to deal with now has been a simple trust account issue. We have, as most firms, an IOLTA account that deals with client money. Our system has been approved by the Bar and all state regulations and ran just fine under all existing federal regulations. But at any given time we have literally hundreds of different clients and/or Plaintiffs. The CFPB has enacted regulations requiring that many of our clients become more strict in their handling of their money. As a consequence, many have required individual trust accounts and more expect to do so within the next 18 months.

So when at full throat we will have dozens, potentially over 100, different trust accounts we'll have to monitor and make individual physical deposits into. Nevermind the fact that we have a 100K software program that tracks all of that and can determine to the penny exactly who is owed what and why (as well as scans in all payment instruments) - we have to have individual trust accounts for each client to funnel that money into before forwarding it to the client.

There is absolutely no benefit to that. But things like that are never considered when you're simply pushing the bar as far towards the politically popular side as possible. This has created no benefit for consumers but has created massive administrative headaches for all of our clients that are now passed down to us.

And frankly, we get it secondhand. Our clients have it worse.

And there's always something else on the way. We'll get a handle on this. It'll cost us money and wasted labor, but as anything we'll adjust. But then something else will come down the pipe. All it costs is money and time. But that's money and time that could be used for expansion, raises, etc...

It's just a frustratingly inefficient use of time, effort and energy and for no benefit.
So you are the law firm and you have to open individual trust accounts at the bank for most or all of their clients because of the type of business that they are in? It does seem to me if the law firm is the only authorized drawer on the accounts, your software should be enough to keep track of the money.

What type of business are your clients and why is it that the money has to be held in trust?

Do you know if the regulations were made under normal rule-making and whether anybody pitched your client's side of the argument during that process?
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Old 10-17-2013, 03:22 PM   #56
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So you are the law firm and you have to open individual trust accounts at the bank for most or all of their clients because of the type of business that they are in? It does seem to me if the law firm is the only authorized drawer on the accounts, your software should be enough to keep track of the money.

What type of business are your clients and why is it that the money has to be held in trust?

Do you know if the regulations were made under normal rule-making and whether anybody pitched your client's side of the argument during that process?
Those are questions he may not be able to answer under fiduciary responsibility...
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Old 10-17-2013, 03:28 PM   #57
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So you are the law firm and you have to open individual trust accounts at the bank for most or all of their clients because of the type of business that they are in? It does seem to me if the law firm is the only authorized drawer on the accounts, your software should be enough to keep track of the money.

What type of business are your clients and why is it that the money has to be held in trust?

Do you know if the regulations were made under normal rule-making and whether anybody pitched your client's side of the argument during that process?
Nope - not a lobbyist. No idea what went on to get there, but given that these clients are bank clients, I'm sure they had a presence. I can't speak to exactly what they did.
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Old 10-17-2013, 03:31 PM   #58
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No, i certainly hope they arent at least.

Otherwise you can count on Hillary for eight years like you can count on the sunrise... and then we get this new "NAFTA on steroids" rammed up our keisters.

Our economy has went "global" plenty enough, any more of it will literally kill the middle classes.
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Old 10-17-2013, 03:35 PM   #59
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Those are questions he may not be able to answer under fiduciary responsibility...
Yeah, I'm treading a little closer than I'd like there.

It's the CFPB, so they're clearly bank clients, but I'm not real inclined to go beyond that.
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2013 Adopt-A-Chief: AJ Jenkins, WR #13
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DJ's left nut is obviously part of the inner Circle.DJ's left nut is obviously part of the inner Circle.DJ's left nut is obviously part of the inner Circle.DJ's left nut is obviously part of the inner Circle.DJ's left nut is obviously part of the inner Circle.DJ's left nut is obviously part of the inner Circle.DJ's left nut is obviously part of the inner Circle.DJ's left nut is obviously part of the inner Circle.DJ's left nut is obviously part of the inner Circle.DJ's left nut is obviously part of the inner Circle.DJ's left nut is obviously part of the inner Circle.
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Old 10-17-2013, 03:38 PM   #60
KC native KC native is offline
a toda madre o un desmadre
 
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Join Date: Feb 2009
Location: Fort Worth, TX
Casino cash: $8243
Quote:
Originally Posted by DJ's left nut View Post
Nope - not a lobbyist. No idea what went on to get there, but given that these clients are bank clients, I'm sure they had a presence. I can't speak to exactly what they did.
What happened is dozens of violations regarding custody of funds from a variety of different firms in different lines of business.
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The diameter of your knowledge is the circumference of your actions. Ras Kass

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