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Old 10-11-2012, 09:11 PM   #121 (permalink)
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I haven't looked at the exact numbers, but my employer told me this week, my insurance costs for next year have gone up.
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Old 10-12-2012, 04:23 AM   #122 (permalink)
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James is reading this now saying WTF is this? James is reading this now saying WTF is this?
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Rules?

Blllaaaahhhaaaahhhaa!
Wouldn't you guess your competitors has to pay a 12 percent increase for their health insurance also? They should also have all of the other business expenses required to do the same type of work as you do. I think you just got greedy and bid too much. 25 percent less?
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Old 10-12-2012, 04:47 AM   #123 (permalink)
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Wouldn't you guess your competitors has to pay a 12 percent increase for their health insurance also? They should also have all of the other business expenses required to do the same type of work as you do. I think you just got greedy and bid too much. 25 percent less?
I think you're clueless.
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Old 10-12-2012, 05:26 AM   #124 (permalink)
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James is reading this now saying WTF is this? James is reading this now saying WTF is this?
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I think you're clueless.
Hey, don't blame me, the government, or anyone else because you over bid the jobs!
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Old 10-12-2012, 06:54 AM   #125 (permalink)
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I think if The President wins, you will see a Public Option created to compete with private insurance.

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Old 10-12-2012, 07:19 AM   #126 (permalink)
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I think if The President wins, you will see a Public Option created to compete with private insurance.

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Perhaps, but it remains to be seen if that competition happens on a level playing field. Something tells me if this happens the deck will be stacked against private insurance.
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Old 10-12-2012, 09:48 AM   #127 (permalink)
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You guys slay me....."health insurance costs going up"
Like that's breaking news. Been on the rise for a dozen years. A couple of those years were double digit inflation for medical costs.

Last edited by compressor#v; 10-12-2012 at 09:51 AM.
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Old 10-12-2012, 09:58 AM   #128 (permalink)
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Quote:
Originally Posted by James View Post
Wouldn't you guess your competitors has to pay a 12 percent increase for their health insurance also? They should also have all of the other business expenses required to do the same type of work as you do. I think you just got greedy and bid too much. 25 percent less?
Quote:
Originally Posted by DJW View Post
I think you're clueless.
I'm not sure what kind of work you are bidding on, but I would go along with about 10% spread seeming normal for general contractors on a building project. I'm not so sure that subs are that close as I don't really get involved in those and by definition, with smaller contracts a $ is a bigger percentage so it may not be out of line to think that there might be a 25% spread.

There are also a lot of unscrupulous contractors (is that an oxymoron?) who will low ball a bid, get the contract, shop the job, and then cut every corner and over price every change order they can get away with to try and make it up. When you get one of those in your area, it is bad for competition. The problem is that if your bidding public work (read tax $) then the low bid must win, even if you know better. I could name a couple of those GC's around here.
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Old 10-12-2012, 03:58 PM   #129 (permalink)
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There are also a lot of unscrupulous contractors (is that an oxymoron?) who will low ball a bid, get the contract, shop the job, and then cut every corner and over price every change order they can get away with to try and make it up. When you get one of those in your area, it is bad for competition. The problem is that if your bidding public work (read tax $) then the low bid must win, even if you know better. I could name a couple of those GC's around here.
Oh, that could never happen...rules ya' know.
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Old 10-12-2012, 04:11 PM   #130 (permalink)
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Hey, don't blame me, the government, or anyone else because you over bid the jobs!
Didn't blame you for anything, other than noting your ignorance of about something you're clearly clueless about.

So, now that I have a moment, let me clear it up for you:

The beer at your Cotsco costs $3/six pack.

The same beer costs $4/six pack at joe's corner market.

That's a difference of 25% isn't it?

Is it because Joe is "greedy?"

No. It's because Joe has to play by "different rules" than Cotsco does, now doesn't he?

And where are you going to buy your six pack? At Cotsco of course (unless you're desperate and out of cigarettes too).

Can Joe "pass his increased health insurance costs" on to his customers? No, he can't. Because he's already at a competitive disadvantage.

"Rules" don't apply, this is business, the strong survive the weak don't (unless of course you're "too big to fail" - and I'm not).

I'm not complaining about being beaten by my competitor. He provides crappy service, and makes his money by cutting corners. But can I pass my insurance rate increases on to my customers? No, I can't...because nobody cares about quality service..they want the bargain priced six packs.

All I'm asking is to get the State out of my insurance plan, so I can bargain for my own rates and my own coverage. The State passes these costs on me and wonders why they just came in dead last in states to do business in.
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Last edited by DJW; 10-12-2012 at 04:14 PM.
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Old 10-12-2012, 04:34 PM   #131 (permalink)
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Quote:
Originally Posted by DJW View Post
Didn't blame you for anything, other than noting your ignorance of about something you're clearly clueless about.

So, now that I have a moment, let me clear it up for you:

The beer at your Cotsco costs $3/six pack.

The same beer costs $4/six pack at joe's corner market.

That's a difference of 25% isn't it?

Is it because Joe is "greedy?"

No. It's because Joe has to play by "different rules" than Cotsco does, now doesn't he?

And where are you going to buy your six pack? At Cotsco of course (unless you're desperate and out of cigarettes too).

Can Joe "pass his increased health insurance costs" on to his customers? No, he can't. Because he's already at a competitive disadvantage.

"Rules" don't apply, this is business, the strong survive the weak don't (unless of course you're "too big to fail" - and I'm not).

I'm not complaining about being beaten by my competitor. He provides crappy service, and makes his money by cutting corners. But can I pass my insurance rate increases on to my customers? No, I can't...because nobody cares about quality service..they want the bargain priced six packs.

All I'm asking is to get the State out of my insurance plan, so I can bargain for my own rates and my own coverage. The State passes these costs on me and wonders why they just came in dead last in states to do business in.
Damn! Now I want a beer.
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Old 10-12-2012, 05:27 PM   #132 (permalink)
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Damn! Now I want a beer.
Been drinking those Labatts 52 calories. Frankly not so good, but I figure the whole Cotsco 6-pack is the same calories as just one bottle of Sam Adams Lager. And only $3. (actually we don't even have Cotsco(es?) around here.)
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Old 10-13-2012, 02:48 AM   #133 (permalink)
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James is reading this now saying WTF is this? James is reading this now saying WTF is this?
Quote:
Originally Posted by DJW View Post
Didn't blame you for anything, other than noting your ignorance of about something you're clearly clueless about.

So, now that I have a moment, let me clear it up for you:

The beer at your Cotsco costs $3/six pack.

The same beer costs $4/six pack at joe's corner market.

That's a difference of 25% isn't it?

Is it because Joe is "greedy?"

No. It's because Joe has to play by "different rules" than Cotsco does, now doesn't he?

And where are you going to buy your six pack? At Cotsco of course (unless you're desperate and out of cigarettes too).

Can Joe "pass his increased health insurance costs" on to his customers? No, he can't. Because he's already at a competitive disadvantage.

"Rules" don't apply, this is business, the strong survive the weak don't (unless of course you're "too big to fail" - and I'm not).

I'm not complaining about being beaten by my competitor. He provides crappy service, and makes his money by cutting corners. But can I pass my insurance rate increases on to my customers? No, I can't...because nobody cares about quality service..they want the bargain priced six packs.

All I'm asking is to get the State out of my insurance plan, so I can bargain for my own rates and my own coverage. The State passes these costs on me and wonders why they just came in dead last in states to do business in.
I know how it works DJW. I was just pushing your buttons. I like doing that. I see the advantage my company has over the competition every day. We get awesome discounts on parts because my company buys so much. A small privately owned company may pay close to 600 dollars for a starter and my company pays only about 380. We buy fuel under contract so we can budget in the cost and we're locked in at a certain rate. Sometimes we win big on that deal, rarely do we lose. I personally bought a set of sockets from Grainger and using my employee discount through work I paid 40 bucks for a set that listed for 72 dollars. I don't see how the small business owners manage sometimes and I feel for you. I bet you are a decent guy to work for as I've read how you try your best to provide good benefits for the people working for you.

I actually get great discounts at Cotsco but have never been there. Now that I know they sell beer I'll have to check it out. Then I'll be back to push your buttons some more.
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Old 10-13-2012, 06:55 AM   #134 (permalink)
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I know how it works DJW. I was just pushing your buttons. I like doing that.
In that case, I'm "your huckleberry."

My point was only that the cost of government controlled pricing isn't any better than the cost of free market pricing and could very well be worse.

Many of you will be getting the same news as we head into the last weeks of October. For employees it may mean you'll be paying more out of pocket or a larger share of your coverage. It may mean less of a raise than you thought you might be getting. For employers, it's a hard choice: keep your coverage and pass on the costs or drop the coverage. Unless you're one of the few companies that have been able to pile up cash to prepare for the 2014 Obamacare hammer, you'll have to make some very hard decisions.

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Old 12-08-2012, 09:23 AM   #135 (permalink)
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Haha, ya'll got your premium increases, this illegal immigrant got a free new kidney.

http://www.chicagotribune.com/news/l...,3537821.story

Quote:
As an illegal immigrant, Jorge Mariscal waited eight years for a kidney transplant he feared would never come.

His persistence paid off Thursday when he underwent the procedure at Loyola University Medical Center.

After years of uncertainties, Mariscal said he's excited about his future and grateful for the help he received. But he remains frustrated with a health care system that he worries might leave out an untold number of illegal immigrants in need of lifesaving treatments.
I don't think he'll have to worry, only actual citizens will be forced to pay up or else.
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