Blah, blah, blah


Pay for it yourself

Our Congress and our President continue to enact legislation that will take care of more people. We, as a nation, are told by these so-called leaders, that we really need to give more. I keep hearing that sorry line about healthcare and the richest nation on Earth. Or how about this whole global warming thing. We need to give till it hurts. Blah, blah, blah.

Have you noticed that the folks who seem to be in favor of us giving do not seem to give much themselves? Al Gore for instance. Old Al tells me that I need to live like a monk, and read by candlelight, and walk everywhere that I go. Of course, King Al will be doing none of that. That is for the peasants or suckers, you guess which one.

Same with healthcare. All of us that work are asses off, many of us at two jobs, so that we can give our family a nice life, are paying for healthcare. It is a strange concept to the ones with their hands out, but yeah, we buy the products that we need and want. Once again, who is going to pay for whom? The suckers get stuck again.

Crazy idea here. Earth to the libs. How about you paying for your own healthcare. Try it. you may be proud of yourself for once in your life.



Comment balloon 7 commentsKevin Robinson • December 28 2009 10:08AM


Kevin:  From someone that has been working over 33+ years within the real estate industry ... never a day out of work ... I can tell you that I would have loved to pay or buy my own health insurance.  Because of minor health issues ... neither my wife or I were "coverable" under the present health care and insurance system.  I personally had to go under the health plan our State of Illinois offers ... which was frighteningly expensive.  Thankfully though, it was an option and available to me.  My wife?  She has severe migraines and could not receive benefits for health, doctor's visits, or medication that had anything to do with her condition.  Where she needed the help most, she could not acquire it.  Doctor's visits, medications, etc. all came out of our pocket.  Again, so very expensive.  Did you know that just 9 pills of Imitrex (a migraine med) can cost $235 each time it's filled.  For someone that suffers almost daily and needs these pills to function ... that is a horrific cost.

Most within our real estate industry work on the basis that we're paid for work completed ... not performed.  No closings ... no pay.  To say that paying for health coverage or medical visits were extremely hard the last few years when transactions were almost nill, would be an understatement.

My wife and I are only one couple of many others that we know that share a similar story.  It is not because we are not working.  It is not because we do not want to pay for our own insurance.  I pay taxes just like you.  Personally I feel if some of my tax dollars go to help and assist families that are in situations such as my own ... or worse ... I'm proud that it does.  Is the new health care bill perfect?   I would guess that it's not ... nothing is ... but it is a step in the right direction for many many in our country, especially the children.  Again, personally ... I am proud that the step was taken. 



Posted by Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi, 708.921.6331 - 40+ yrs experience (NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656) over 9 years ago

Gene- I know all about expensive meds. My wife has RA. One of her meds cost me $500 per week. It is the reason that I get up and figure out how to build a better mousetrap everyday.  I could probably go and get a job at Costco or somewhere that provided insurance, but I work for myself and I dont need others to pay for me. If it came to it, I would get a job though. Real Estate is not the only way to make money in America. I have friends who have redesigned their lifes and their careers many times over the last few years. We can all do it. This country was built by people who did things for themselves.


Posted by Kevin Robinson, Fractional Developer over 9 years ago

Gene, my prayers and heart are with you as I too have family members who have extreme health conditions and can not work due to these conditions.  It is easy to spout off and turn your head away from these conditions and people when they do not directly affect you.  But, believe me, we all pay for them in the long road.  It is time for a change and stop pounding our chest.

Posted by Larry Gray (Real Estate Consultant) over 9 years ago

Kevin:  My sympathies are with you regarding your wife's condition.  It's not easy to see someone you love struggling and suffering.

I did want to clarify my point however regarding insurance coverage and payment.  Sometimes it's not about the money.  You would be wrong to think that I haven't reinvented the wheel many times during all of this.  I, my wife, and others like us ... have gotten a second (third and fourth) job and done what was ever necessary to pay for the insurance and medicines needed, if available.  I've worked in a store, refereed basketball games, performed appraisals, and more.  My wife has cleaned homes and offices, done clerical work on the side, babysat, done outside gardening and maintenance work, cleaned tennis courts at 3 a.m. and more to make extra money when needed.  We know about getting extra jobs to make ends meet.

Some of the problem is ... insurance is not always made available, offered, or allowed even if you can pay for it.  You're simply out of luck and out in the cold without health insurance protection of any kind.  You are turned away.  It was high time that these issues ... not just the payment or cost issues ... were discussed seriously.  That discussion has now begun and that is good.  Look ... you and I are have a real discussion about the issue.  That wouldn't have happened before this bill was on the table in congress.  Real changes occur because of real communication.   It has now started ...


Posted by Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi, 708.921.6331 - 40+ yrs experience (NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656) over 9 years ago

Larry- But what about when they do effect you, and you are willing to do it yourself, and do not want others to pay for you? I am not pounding my chest, only pointing out that I am an average guy who is taking care of my family by myself, not going around to my neighbors and asking them to pay for us.

While I agree that healthcare has its problems, I believe that govt is not the answer. What I believe would work is more competition and less regulation. What if Wal-Mart and Costco sold insurance? Both are great at offering a competitive product at a low price. They even give a warranty.

Our government is not very good at running anything in a competitive manner. Whenver they step in, the price goes up, and the quality goes down.

What if we got rid of social security and people had to count on themselves? What if we could get back to begin rugged individuals instead of letting others care for us?

Posted by Kevin Robinson, Fractional Developer over 9 years ago

Gene,  If NAR wanted to do something meaningful they would form a group and allow members to buy health care at reduced rates.

The Chamber of Commerce in our state offers group health care at reasonable rates.

A person can get a job with health care even if it's temporary. Leave the job, and as long as they apply for health care within 60 days of termination pre-existing conditions don't count.  The only restriction is you have not been uninsured more than 60 days.

I'm sorry your wife suffers from Migraines.  I have been there years ago.  For some unknown reason mine stopped.  Cafregot and Midrine were the drugs I used and at that time I did not have insurance.

The drug manufacturers will give your wife free drugs or low cost drugs if she cannot afford them.

Before getting excited about the prospect of health insurance - ask yourself if you are willing to have the federal government determine what treatments and drugs they are willing to give you?  You may find yourself forced to pay for health care insurance, but unable to make your own decisions on your treatment plan.

Posted by Bonnie Vaughan, CNE SFR - Buyers/Sellers - Lackawanna & Surroundin over 9 years ago

Bonnie:  Glad to hear that migraines are no longer an issue for you.  We have heard that many women have similar experiences and "grow" out of them.  Unfortunately for my wife, that has not been the case.  She sees one of the nation's foremost physicians and clinics for this problem  .. and although the intensity of the pain has subsided some ... the frequency has not.  They just can't seem to put their finger on the initial starting point for the headaches.  I know I speak for her when I say ... thank God you are better.  Hopefully they make more advances in research soon to help others, as well.

The debate, pro and con, on the health issue is good.  I will respectfully ask to disagree with you at this time.  Hopefully the debate goes on and the best outcome for the majority is found.

Hope your '2010' is healthy and prosperous!


Posted by Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi, 708.921.6331 - 40+ yrs experience (NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656) over 9 years ago