₦airaland Forum

Tosh my dear.
Marriage is serious business.
In my books once in always in.
So if any doubts,toro udo as we say in Igboland.
better now than later.
But I pray God will straighten things out and make it clear to you whether to go along or back out.
But from the way you sound,if you were my own younger brother,I'll ask you to have a serious thought about it.
The worst thing that can happen is for you to go ahead then find out much later after a kid or two that this was a terrible mistake.
You'll forever blame yourself for not having the courage to say No when you felt that way.

my oga is looking for a post doc.Do you have a PHD in Biochemistry or Microbiology?

toshmann:
apology fully accepted

make i go find bread chop,
by the way, u do any moi-moi today?

you don begin work?
abeg don't give up on madam to be yet
we women can be stubborn sometimes.

I apologise let me modify

KarmaMod:
Lmao people that stay in this country for like 2 mins think they know all that needs to be known. Rofl. It's funny.

abegi go back to licking your monarchy's behind and leave our election alone

Like osisi said community health centers are cheap and they give full physicals for less than $25

My folks come here very often and they undergo full physicals and blood work with EKG sef.
mom would even have a mammogram.
and they are not even green card holders
There are programs here that folks can go to
and they are everywhere.

I'll rather live here,pay for my health care and get paid a salary where I can live comfortably than that hell hole called Britain where hardworking professionals live in face me I face you apartments and call them homes then queue up with pick pocketing Eastern Europeans,Homeless Jamaicans and  419 Pakis to see Dr Patel whether I like him or not.
He is my GP,my neighborhood GP and I'm stuck with him and his colleagues.
No way that's better.

now Tosh hear me out.
Have you heard of community health centers?
Every one with no or little income can go there and be seen for almost nothing.
and you are not turned away from the emergency rooms either.
I have lived in England.
You say everyone is covered,that's not true.
are the illegal immigrants covered?
there are tons of them remember.
here they are not either by medicaid which is the equivalent of your NHS but they can go and register at a community health clinic and get a physical for $20.

Ibime:
I can offer some contributions. . . . . Thank God I live in Europe. . . .

Do you know that America spends more than twice as much per person as Britain does on Healthcare?. . . .  does the free market really reduce prices as far as health is concerned?. . the evidence would suggest not. . private healthcare is on average £40 a month for gold cover in Britain. . . . . . how much do you guys pay again?. . . . the fact is that public healthcare brings down the price of private healthcare in Britain. . . . whilst a fully privatised Healthcare allows costs to roam wild. . . . this is an indirect taxation on the American people. . . . drugs are more expensive in USA. . . . infact, everything to do with health is. . . . it is obvious that your model isn't working.

The fact is that insurance companies are skimming away money that should all be put into the Healthcare system. . . . .on average, how much Insurance is actually spent on Healthcare. . . . I can bet you 40% of that money does not go toward health costs. . . . this is simple Mathematics. . . . in Britain, we pay a certain amount of tax for our Healthcare. . . . all of that money is spent on Health. . . . in America, you pay for Healthcare and insurance companies skim off 40% as profits on their balance sheet. . . . who is making sense here?. . . .to me, this is just another tax, and a heafty uneccessary one at that. . . .no wonder you guys always complain about Medicaid. . . . the fact is that if you take away the free market, universal Healthcare becomes cheaper. . . . . I repeat, Medicaid is not the true cost of Universal Healthcare. . . . under Universal Healthcare, you will pay less in "tax apportioned for healthcare" than you do for your premium.

https://img29.picoodle.com/img/img29/3/10/8/f_Healthcarem_48de3c5.gif
Annual healthcare spending per capita

. . . . . . so much for creating a free market for a public good. . . .Britain’s NHS has, without fear of challenge, one distinction. It is the best-buy model of health care in the Western world in the sense that it manages to offer a comprehensive coverage of the entire population at the least cost as measured by the proportion of the national income devoted to health care. . . . http://content.healthaffairs.org/cgi/reprint/4/1/41.pdf . . . Yankee need to catch up to Europe. . . . that's why British conservatives, including Margaret Thatcher support health care as an absolute right of citizenry

My brother it's not how much you pay but how much you get to keep afterwards.
The average professional in America is better paid than his counterpart in Britain.
The same NHS where people pafuka like chicken while waiting to be seen by a doctor or waiting in line for their surgeries.
Carry una Europe go.
why are people running from there to here including professionals when they win visa lotteries?
I lived in Europe,I now live in the USA
let me pay for my health care and know that I call my doctor now and go in to see him in an hour's time
You can't pay me to move to England for anything.
Nothing free is that good.
we have community health centers and "general hospitals" here too

goodnite people.

volvo ke?
he looked like a beat up 404

TOYOSI20:
So true, we were all so impressed as to the way, Obama sat on the stool,

smiled and he just exuded so much confidence and charisma. . . . .

Now that's what I'm looking for in a future President, . . . . . . .

Calmness and the ability to take charge no matter what. . . . . . .

Kai
The guy exuded sex appeal like crazy!

Tayo-D:
I have no such limitations as well.
The only way that the employer can avoid that tax is to pay you the money as salary. This way, he can also get the tax write-offs. How can I lose for winning? I get more money from my work and still get cheaper and more relevant health coverage. Why should he hand you a check? This means someone can get the check and not use it for health purposes. Rather, you get a $5,000 tax write-off like you do for day-care and other expenses. This is much more prudent.

I can also see a physician in minnepolis if I choose to
That tax write off of $5,000 to me and my husband who earn a good living would perhaps amount to $50 by the time they do all the computations.

Tayo-D:
You can't buy any employer insurance out of State. As long as the mandates and limitations are taking out of the way, things will get better.

You are very funny o. So if I receive treatement, my hospital will not collect the money because it is from another state?

Abeg, I dey go sleep. Got to be at work tomorrow.

Don't you know that physicians individually sign up with insurance companies and routinely pick up and drop those they want or don't want?
Why do you think the receptionist asks for yourcoverage when you call up to make an appt?
There are offices for instance that don't take HMO Plans.
By that I mean you can call and they will not schedule you an appt because your insurance coverage is useless to them.
There are hospitals that don't take HMO plans.
Thre are physicians that'll take your HMO plan for treatment but you cannot use their in house labs or scans or even radiology units
why?
They can pick and choose what they can take and send you to some community hospital for your urine tests because it's not worth their while
My brother go and sleep.
Health insurance is not as simple as you and McCain see it.

Of course that is not what I am saying. What your employer is paying for now is also not treatment but coverage. The money paid last month was not for treatment I received, but for coverage in case of illness. It is simply the same thing. Just like car insurance, you can choose to have basic coverage, liability or comprehensive while also choosing your deductible. These options are not available now.

For instance, our health coverage pays for a yearly medical check-up. Now my Doctor told me 2 years agao that I am as healthy as can be and do not need to se him every year. So why am I paying for what I know I wont need for another 3 years or thereabout? My dental coverage pays for a vist every quarter and I know I only visited once last year, and still trying to sort out my vist this year. Why is all that money going to waste?

Going to waste?
would you rather wait until you get a diagnosis?

_{God forbid}

My brother that his plan will not work

Tayo-D:
@Plus_Queen,
$500? I pay $250 a month for family coverage! You see what I mena now. With McCain's plan, you will probably be saving $250 at least every month while getting the same service. See how they are ripping us off with these mandates?

I'm not limited to any doctors or a group of doctors.
I don't need a referral to see a specialist.
I can go get second opinions

Remember McCain wants to tax your employer with the right hand and hand you a so called taxcredit from the other.
[b]REMEMBER IT IS A TAX CREDIT NOT A CHECK OF $5,000.[/b]Big big difference if you make more than the average person.

There are several out there but I am only limited to the once within my State. Isn't the health coverage they receive in NY good enough as the once they receive here in MN? Why should I be limited through my employer to MN?

Not true.
You can buy health insurance on your own today from any place you want as a self employed person,the question is ,are there physicians in your area who would take it?
That is the question.

well the polls are coming in

who will be a stronger leader

Obama 54%
McCain 43%

shopping across state lines indeed.

Tayo-D:
@Davidylan,
What is mor edangerous is to have the govt control my health coverage. Things like this works better in the private sector. It is indeed more economical and will cost the government nothing. Compare this to Obama's mandate whenre the govt will have to subsidize. We are talking of reigning in spending and he is expanding it.
And that is what ? - Lack of mandates. It is the mandates and lobbying that is making everything so expensive right now.
Its all a nmatter of family history and personal history. I have an extremely good vision and so does my wife and her family tree. Based on this alone, I can save my family a lot of money every year.

The vison thing you keep hounding how much is it sef?
My health insurance does not include vision yet we pay over $500 a month for family coverage and that's through my employer o.
what are you talking

Tayo-D:
@plus_Queen,
What will lower your premium is competition and not government regulation. If govt insists on a particular premium for everyone, then they have to be ready to subsidize, which means tax increases.

what competition?
do you know how many health care companies are already ou tthere?
do you think they don't compete?
why do you think employers change companies from time to time?

The same place you shop for your car insurance. Does your employer or govt provide you with this insurance?

I dare you to pick up the phone tomorrow and call metlife or blue cross and blue shield and ask to buy coverage for your family.
Remember there areseveral out there competing.
If they quote you anything less than $800 a month get back to us with what they cover and what your deductible and limits are.

You do not know now becuase you are not shopping.

google

Of course it does. What this is to buy insurance not to purchase treatment. These are two different things.

Lord have mercy.This is even scarier.
The $5,000 is just to buy the insurance without treatment
Like buyng a car insurance without coverage
my bro how does that work?

No doubt this will increase your premium. However, look at it this way. Why should I be paying for vision when I do not need it?

Is your vision guaranted?
doesn't it balance out afterall there are people with vision problems who don't have wives of child bearing age?
Should you pay more because yours covers maternity?

Tayo-D:
@plus_Queen,

Right now, the average employer pays close to $15,000 per annum to cover their employees. What they do is that they receive a tax write-off for that amount while giving everyone a blanket coverage. For instance, I have a coverage for my eyesight which I do not need, yet my employer has to make that payment. The insurance companies are thus getting money that I will never use.

In McCain's plans, I get a $5,000 credit which I can use to pay and buy insurance from any where and based on my needs ( I will not buy any for vision). This way, to get the regular tax break, my employer will have to pay me the money they are paying to the insurance agencies, and I end up having more money in my pocket while having the chjoice to get the coverage I need.

This is just a simple explanation.

Do you now know that if you're in the 33% tax bracket and above,that money means nothing.
If you're not,you're at the mercies of insurance companies and would still be forced to choose and for go some things based on what your meagre $5,000 can afford.
And if you happen to have a pre existing medical condition,God help you.
And if you develop an illness for a body part you did not buy coverage for, good luck trying to find someone to sell you an insurance to cover it.
Nobody will touch you and your $5,000 with a ten foot pole.
That plan is flawed

let's remember it's a $5,000 tax credit not $5,000 check which to people that earn more and single unmarried would mean nothing by the time the whole tax pluses and minuses are computed.

anything to help your premiums come lower and keeping what you have is a million times better than someone giving you a tax credit of $5,000 to go shopping for health care.
For someone in the health care profession,that is bunkum.
Where on earth do you think individuals would shop for health care?
do you know where to shop?
$5,000 cannot do a thing for a man talk less of one with a wife and children.
How about those with pre existing conditions?
The man has no clue.

Tayo-D:
@Plus_Queen,
I do. Do your not? Why do you criticize what you do not understand then?

Oya explain it

Ruby_Pearl:
It was boring, yet again.
The VP debate was way way better.
I almost slept through this debate.
I love Obama, but he has to stop with the stuttering .

And does anyone get McCain's new plan?

Let him stutter
He's still cuter and smarter

Tayo-D:
@bawomolo,
What do you mean? I sincerely subscribe to McCain's health proposal. The current method is totally not working well enough.

Do you understand it?

CodeRED:
Ok, round two and i am still backing my brother Obama. No real knock outs, however, I must commend Obama for NOT keeping his eyes off that Mccain guy.  I don't know if anyone is with me, but I am sick and tired of hearing about Mc cain's POW. Gosh! he needs to get over himself.  Mc cain again proved himself to be the racist he is, refering to Obama as "that one".Who the hell he thinks he is?  
Substance wise, I was a bit disappointed, I expected more.  As per the tax thingy, Obama you better ease up oo.  I am paying too much as we speak. I do not get back that much since I cannot claim for anyone but myself.

I was lol ma ass off on the issue regarding an attack on Israel. Me just likey when Obama ties up Mc cain and really expose his shallowness and most times stupidity,

Exactly.That was really low of him.
and at a time I told my hubby that if he mentioned General Petreas or whatever his name was one more time,I would scatter this our old 32 inch TV in the family room

davidylan*:
na true. . . we are just begining our own journey - pray for us to be taxed more.

I thot it was a fantastic debate . . . the key against McCain was his rubbish health policy especially where he talks of being able to move your insurance cover across state lines. Obama will only soar in the polls after this.

It was great.
My oga was laughing at the $5,000 credit for health care as he always does.
McCain really has no clue

KarmaMod:
Cain's wife looks like an ice witch

I missed it.
She always does look like Cruella Devil in 101 dalmatians

oya make una begin analyze am

davidylan*:
slight head to Obama, he really impressed me. McCain - simply more of the same.

so you earn that much?   Na wa o.

My brother we have paid our dues
where were you when I was changing diapers at sunny side?


_{only by His Grace}

dayokanu:
Obama too dey Buga jare !!!!

"What don't you know" and he brought Harvard into it.

That's not a question you answer.
what do you want him to say?