Bah ha ha You Got a Pay Cut!


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Can_I_just_be_Jo is offline Can_I_just_be_Jo Post #1  November 18,2009, 8:05am

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I love reading blogs and message boards. Human ignorance is troubling. A poster had commented that health care costs were out of control. His assertion was based on his perception that in this economy his employer provided health care insurance had the audacity to raise their rates 30%. He knew this because he now had to pay $100 a month instead of $75. I am sure his emplyer provided the standard, with the rising costs of health insurance we unfortunately have to increase your portion of your health insurance costs, letter.

What I find troubling is that so few people see the "your portion". Yes folks your employer generally picks up the greater portion of the costs. If you are only paying $100 a month for coverage you are paying less than 25% of your insurance cost for a single insured.

He said soon it would be cheaper to buy private insurance. No dude it is already cheaper to buy private insurance because you are pooled with people of the same health and age as you instead of Joe Big Mac down the hall and grandpa who should have retired 20 years ago when he turned 100. You just don't see the hidden costs. Hidden costs that are in fact part of your wages.

Which brings me back to his pay cut. Lets see, budget is tight, you have to either cut pay or cut benefits. Niether will sit well with your employees. Along comes our great president (who admits he doesn't know jack about economics) with Obamacare and the media's compulsion to report, well nothing that could possibly help anyone understand the situation. Businesses can cut your wages apparently without you even knowing it by shifting more of the cost to the employee.

Simple math really. Say you make $25,000 a year in visible income and $6,000 a year in health benefits. You make $31,000 a year. So your employer shifts $100 a month of your health costs over to you. You just lost $1,200 a year and now make $29,800. Even better you are pissed at this straw man our government has created for your 4% decrease in wages.

Well at least that will make it easier to except no raises this year due to the economy. Meh, I guess it is best to ignore the fact that no raise equals decrease in real wages equal to the current rate of inflation.

Have a great day!
 
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D_Lion is offline D_Lion Post #2  November 18,2009, 4:18pm
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I tell my employer "**** you" and find a new employer.

Repeat as necessary.

So long as I put value on its bottom line it will do so for mine, or I will continue to take my value elsewhere.
 
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Can_I_just_be_Jo is offline Can_I_just_be_Jo Post #3  November 18,2009, 4:27pm

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D_Lion wrote :
I tell my employer "**** you" and find a new employer.

Repeat as necessary.

So long as I put value on its bottom line it will do so for mine, or I will continue to take my value elsewhere.
Preaching to the choir hun. Still don't you think it is sad that people know so little about their current employment situation? I am one of a handful that got raises this year. Everyone else is like its okay, yeah, by okay you mean you like getting your pay cut?
 
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D_Lion is offline D_Lion Post #4  November 18,2009, 4:31pm
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You are right ... but then, the masses who want to do as little work as possible, as slowly as possible, need a wake up call about how aggressive the Chinese are (as well they should be when their standard of living doubles every decade.)

I get better work output from my coworkers in China than my own country.

Really, this is a problem that our elected officials have not established the economic policies necessary to ensure growth in the labor-consuming portion of the economy keeps pace with increases in the labor supply.
 
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Can_I_just_be_Jo is offline Can_I_just_be_Jo Post #5  November 18,2009, 4:36pm

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D_Lion wrote :
You are right ... but then, the masses who want to do as little work as possible, as slowly as possible, need a wake up call about how aggressive the Chinese are (as well they should be when their standard of living doubles every decade.)

I get better work output from my coworkers in China than my own country.

Really, this is a problem that our elected officials have not established the economic policies necessary to ensure growth in the labor-consuming portion of the economy keeps pace with increases in the labor supply.
So then what do you think about India's new tax structure? 15% corporate and in areas they deem "backwards" 0% tax for 10 years. I see a mess of jobs leaving America. We can blame the cheap labor all we want but a lot of these jobs are leaving because America has the highest corporate tax rate in the world. Yeah, India was on top, now we are, I am so proud.
 
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D_Lion is offline D_Lion Post #6  November 18,2009, 4:47pm
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I don't think a reductio ad absurdum to zero government is the solution!

I hope more jobs leave the US! Every one that does improves our standard of living. We just need to generate enough new ones - that's where the focus needs to be. It's still a growth question.
 
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Can_I_just_be_Jo is offline Can_I_just_be_Jo Post #7  November 18,2009, 4:52pm

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D_Lion wrote :
I don't think a reductio ad absurdum to zero government is the solution!

I hope more jobs leave the US! Every one that does improves our standard of living. We just need to generate enough new ones - that's where the focus needs to be. It's still a growth question.
So then what is your answer to the general lack of substance in the employment pool. We are a country of lazies that complain because our Dell support went to India but don't have a problem that I pay an Indian citizen over $500,000 a year as a doctor. In other words we are giving our best jobs here to foreigners because we are too lazy to go to school.
 
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Diann1950 is offline Diann1950 Post #8  November 18,2009, 5:10pm
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You keep forgetting the hidden cost in your health insurance. When the uninsured go to the emergency room or hospital for emergency service, they can't be refused, they can't pay and as a result the cost is passed on to those who do pay. I would much rather pay up front to keep more people healthy than the most expensive care. I have been part of an HMO and was very satisfied, now as a public school employee I have seen my salary stagnate in exchange for maintaining high quality health care. For many years I didn't even begin to use the max deductible until my husband was diagnosed with lung cancer. Then the trips to the doctor could run into the thousands per trip. I was glad that my fellow teachers had all agreed to sacrifice salary for coverage.
 
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Can_I_just_be_Jo is offline Can_I_just_be_Jo Post #9  November 18,2009, 5:21pm

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Diann1950 wrote :
You keep forgetting the hidden cost in your health insurance. When the uninsured go to the emergency room or hospital for emergency service, they can't be refused, they can't pay and as a result the cost is passed on to those who do pay. I would much rather pay up front to keep more people healthy than the most expensive care. I have been part of an HMO and was very satisfied, now as a public school employee I have seen my salary stagnate in exchange for maintaining high quality health care. For many years I didn't even begin to use the max deductible until my husband was diagnosed with lung cancer. Then the trips to the doctor could run into the thousands per trip. I was glad that my fellow teachers had all agreed to sacrifice salary for coverage.
Aww you are so cute. You actually think that is the big hit to health insurance. Yeah, not so much. Most hospitals have funds set up for charity cases. Ya know, rich people who voluntarily give up money so the uninsured can have proper care. The biggest burden passed on to private health insurance is the 5% that Medicare and Medicaid don't reimburse. Kinda makes me wonder, if we get rid of private insurance who is going to pay that 5%? Oh that's right, tax the hell out of the middle class. Its okay we are used to it.

I am sorry if I sound crass but I would just love it if people really understood what is going on. The issues that need to be reformed aren't being looked at. Health care reform is all politics, we are the last people on the minds of congress.
 
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dito is offline dito Post #10  November 18,2009, 5:36pm
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Never fret! The house is going to pass another jobs bill!
 
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