I’m a retired 60-plus person who had worked 40-plus hours a week from 16 until my retirement at 59.

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(20) comments

David Rau

Just another lie told by you P Glover Biden did not drop out of the race for President in 1988 for plagiarism. Dude you can find anything on Google even that the earth is flat. My God man can you really be that dumb? And Biden has advanced civil rights, fair housing , food stamps for the poor and minorities as well as regulating the corrupt banks that preyed on the poor and minorities as well as helping to create Obama care for the poor that gave good health insurance to 50 million poor that never had it before.Biden has also helped protect voting rights for minorities. And Biden supports justice and will put away killer cops that prey on minorities. Now give me one example of what Trump has done for the poor and minorities besides cut food stamps and raise their taxes? And put 40 million out of work?

P. Glover

Mr. Rau: Propagandist: a person involved in producing or spreading propaganda. Propaganda: Communication used primarily to influence an audience to further an agenda, which may not be objective and may present facts selectively to encourage a particular synthesis.

This is you to the tee! You present no verifiable documentation to back up your claims. I have caught you in a lie and gave you date and place to confirm your lie. All you do is deflect by name calling and calling others liars. News flash: All politicians lie. The ex-VP has a history of lying. You do know, he had to drop out of the 1988 presidential race for plagiarism. Fact go google it. He has been in politics for 46 years. Tell me 3 positive things he has done for minorities and 3 things he has done for the poor in his 46 years with verification. I am not asking what the current President has or has not done. We will be waiting.

David Rau

P Glover it was you that said you had a 91 year old mother yourself so i just assumed that you and I were the same age. Is is not criminal that my Mom has to pay almost $500 in Federal income taxes when Trump a so called billionaire paid not a dime for 10 whole years?

P. Glover

Mr. Rau: We are not the same age I still have a child in high school. For the third time, we have insurance through my wife's employer (AL DOE), which supplies insurance to every education employee in AL. (The information I have given previously, is the insurance my employer provides to my fellow employees.) Yes we pay out of pocket for family health insurance through AL DOE it has nothing to do with a "cheap" employer nor a bad job.

David Rau

And another thing P. Glover if I'm so dumb with my investments then why was I able to retire at 63 and you are still working? I assume that you and I are both about the same age. One wonders about it.

David Rau

Mr> Glover its quite clear that you have a problem.You cannot ever get your facts straight. I never said that I had lost money in my investments the last 4 years.I lost money in my investments in 2018 and will again this year because of Trumps mismanagement of the economy . And my mom is paying 300 more a year than she did before the Trump tax cut for the rich.Her money is mostly in bonds because she favors a guaranteed return on her money. She as a child was a victim of the great depression caused by another Republican Hoover. And since you and your wife both work then why don't you get your health ins at work or you should be getting it there.If your not its your own fault for working for someone that is too cheap to provide you ins. Heck even Wal Mart provides health ins for their employees. And I make less than 50,000 a year and I'm retired but my wife is 7 years younger but does not work. That is why she gets ins through Obama care and thank goodness for it.You say that you want to no help from the govt but when you retire you will get your Social Security and Medicare and you will love it like millions do. So spare me your Repulicon BS.As for me and my family we plan on partying like its 1999 in two weeks when General Bone Spurs goes down in flames. In the meantime get some help with your problems P. Glover because you sure need some.

P. Glover

Mr. Rau: Please go back and read each of my comments and tell me how many times I referred to any politician by name. In case you cannot count its zero! You on the other hand praise all Dim's and denigrate all Republicans, this alone shows who you are and that your are a tool and propaganda mouth piece. Apparently, your knowledge is very lacking in financial matters if your investments have lost money the last 4 years. Please tell us how your wife gets insurance for "not a penny" and you are so well off? One or both of you are lying. Its just plane and simple. You can deflect and call me names all you want, but anyone with common sense knows your statements don't add up. My 91 year old mom has not paid taxes in years and she is very well set financially, so I question why your 91 year old mom would be paying taxes. I understand if she has large investments/properties she very well could be paying taxes and if that is the case then $300 a year would not be a financial burden for her. I thought all you Dim's liked paying taxes or is it you like someone else paying taxes so you can get freebies? News flash nothing is free. The government generates income off its citizens through taxes. You do know, we are taxed when we make money, spend money, invest money and even when we die and you Dim's only want more! It's becoming more and more apparent that Dim's are the masters of accusing those they oppose with the very deeds they themselves are doing! I expect to see your explanation for why you a elitist Dim cannot provide insurance for your wife and why you are here daily giving advise to all us liars and boot lickers. If you are as wise and intelligent as you claim to be should be able to provide the basic necessities for your wife. I strongly question your choices and advise. Maybe you should be seeking advise not giving it! I and my wife work and pay our way. We pay for our insurance and 3 children. The government does not! We are taking care of ourselves. We do not need the government telling us how to live nor how to live. Maybe you and other like you do and is why you are a Dim mouth piece.

David Rau

P Glover just how stupid do you think people are? Everyone knows that employer provided health ins. has nothing to do with Obama care. Like i said you are either a total liar or just a Trump boot licker. Trump never had a great economy even before covid. The best economy's were after ww2, during the 60s and in the 90s under bill clinton. Obama left Trump a booming economy and Trump let it all slip away when he sit on his a&& and let the virus come here. Under Obama more jobs were crated in 1 year than under 3 under Trump. Under Trump 40% of American families could not even meet a 400 dollar expense and my own 91 year old mom paid 300 more in fed tax this year than she did under Obama. And again this week alone another 1 million more have filed for unemployment. And as far as the stock market i made money under Obama all 8 years. Under Trump I lost money like millions of Americans did in 2018 and will again this year even thought the Fed chairman who is a Trump appointee who is an investment banker and not an economist is shoveling billions of treasury money into the market to inflate it. The market is way over valued because we are in the middle of a massive recession the worst since the 30s. The market will have a huge down turn before the end of the year. So you Mr Glover can take your lies about how great Trump is and put them where the sun don;t shine because hes the worst president ever the most corrupt with the lowest iq.

P. Glover

Mr. Rau: Bc/Bs insurance is one company as are all insurance companies. It does not matter if if you have a insurance through your employer or the exchange its benefits come from the same pot that the premiums paid go into. There is not two separate pots. Apparently, you can not comprehend simple economics and explains your like of the Dim's and their policies. Maybe it because, you have been standing at the Dim's free tough so long you have forgotten how a for profit business works. Why you and your socialist friends, think someone that has worked and amassed money for themselves owns it to someone that apparently did not work and provide for themselves is asinine. Do you think government tax income has increased, because those working people are making more money and more of them actually working rather than getting free handouts for the government? Before the China virus shut down of our country, unemployment was at historic lows, food stamps payments were much lower than under the past administration. The stock market was at an all time high. (Which I though you would like this since you made wise investments that allowed you to retire.) I guess not? I know in your twisted elite mind the virus was all caused by our government. The hate that you have for others must provide a miserable life for you and your family. If you had a fulfilling life you would not be here every day spewing your propaganda and hate! I wonder why you think those that you disagree with are wrong and you are right, when the decisions and choices you have made, has you in a situation where you are unable to pay for your wife's insurance?

Phillip Williamson

Thanks for your contribution and well thought out responses to the topic. Your facts, I definitely agree with. Your conclusions on Mr. Rau, can also be supported by his statements and democratic spin of the talking points. Believe me, after being a loyal card carrying member of the United Paperworkers/PACE/ & Steelworkers unions for almost 39 years, I’m well educated in the lingo. However, with what little info Mr. Rau has provided on his retirement, it does scream out as to how his wife garners so much benefit from a system that is there to assist the under privileged, while he lives comfortable on his retirement, SS, & Medicare. If he is a democratic operative, he should worry that the rank & file members that I stay in contact with across numerous paper mills across state lines are voting for Trump. Even my die hard Bama fans who voted for Hillary in ‘16 are casting their ballots for Trump & Tubbs! The latter I found unbelievable in their disdain for him as an Auburn coach. I’m just one of those union members that through his experiences feel that the democratic Party has left us a long time ago.

David Rau

P. Glover you are nothing but a Trump boot licker and a total liar. If you are getting your Ins. through your employer then that ins has nothing to do with Obama care and you know it.Like i said if your employer is too cheap to provide you health ins. then you need to find a better employer and you pay not a penny towards the cost of Obama care that tax is on the rich. Also i live in southern middle Tennessee so I am in the papers coverage area. Also you can check the IRS's own numbers which show the working man had to pay 90 billion more in Federal taxes this year. I know what your real problem is. Trump is losing bad all over the nation and you wont have your fascist, racist president in office after jan.

P. Glover

Mr. Rau: I have been working for the last 40 years and 29 years at my current job. I work in health care and there is very little that you can tell me about insurances that I don't already know. Its my job. Its what I do every day! I see what the ACA has done for the working middle class. It has not been a success for them! I can see why you sing it praises. Your wife get insurance for free. Be thankful to me and others that help pay for her insurance because you can not. Be respectful and quit attacking us for airing our grievances. I have been reading you attacks and propaganda for months and think I have a good picture of who and what you are. I don't think you even live in the coverage area of this newspaper. All you do is spew Dim propaganda.

P. Glover

Mr. Rau: Your the one that has a problem with facts. If your so well off financially, how does your wife qualify for insurance that costs "not a penny"? Either she is or you are lying. I have insurance. If you could read and comprehend, you would know this by my first response to you. Again, you confirm my statement that you are a self appointed elitist that knows everything and everyone else is beneath you and your kind. You stated ACA insurance rates have gone down every year since its passage and I know for a fact my insurance through my employer has increased every year since. Before ACA, my insurance cost me "not a penny". Family coverage 80/20 with a $300 deductible. As I stated before, when ACA passed this policy was no longer available to me and I chose a 80/20 $2000 policy that I had to start paying for a portion of (due to its increased costs my employer could no longer provide it for my family at no cost to me) and that my portion has increased every year since. Fact! You say the "rich" are paying for the ACA through taxes yet, you also say the current administration has given only the "rich" a tax break. Your thinking and statements don't match. Give us verifiable documentation that backs up your propaganda. Let me guess you don't have any.

David Rau

Mr. Glover you need to get your facts straight it's a tax on the rich that pays for Obama care. The rich have made out like bandits under Trump because he gave them a huge tax cut and now the working man had to pay 90 billion more in taxes just this year. The rich can afford to pay a little more tax. Back in the 50s under a reupublican president the top rate on the rich was 90% And if you are working why are you trying or getting insurance on the Obama care exchange ? Why don't you have a health ins policy where you work? Maybe you should get a better job a job that offers you health ins. And I am 68 I worked for 55 years. How long have you worked Mr Glover? I was able to retire because my investments made good money when Obama was president. And i love my Social Security and Medicare both created by Democrats and if that makes me a socialist then i will be a socialist all day long.And i say again take your BS somewhere else its not working any more.

P. Glover

Mr. Rau: I do have a good job and do make over $50000 per year. I must assume since your wife gets insurance for free and even got $1500 back 2 wks ago that you need to take your own advise and go get a "good job" yourself.

P. Glover

Mr. Rau: You make my point by your statement that your wife doesn't pay a penny for insurance. I said the working middle class are paying the premiums of others that get insurance through the exchange. You should know nothing is free. Someone is paying for it. You make an assumptions that I "lied", which support my comment that you have self appointed yourself as and elitist. Yes, I can go on the exchange and pay $1500 a month for a policy that has a $7000 deductible just like Mr. Williams. You an elitist should be able to do simple math and know that $1500 x 12 months plus $7000 = $25000 a year for insurance. One will have to pay $25000 to the insurance before getting any benefits from it. All the while others get it at no cost. Per you, if you don't make under $50000 there are no discounts in the ACA. Last time i checked $25000 is half of $50000. Only a socialist like yourself and all the modern day Dim's, think its equitable for someone that choses not to work and get insurance for free while someone that does work should pay half their salary for their insurance and also provide insurance for the one that chooses not to work. I guess my math is BS in your elitist mind.

David Rau

Mr. Glover you are a total liar or a totie for failed Trump. If you have a job then you should have insurance through your work and if you don't you need to be looking for a better job but wait that's not possible i guess since Trump has put 40 million out of work with 1 million more jobless just last week. And insurance is available other than the exchanges under the Affordable Care Act all you have to do is shop on the internet or get a good insurance broke to do the shopping for you. And if you do not make over 50,000 a year then you are eligible for a subsidy that will pay most of your premium or in many cases every penny of it. Also premiums for the exchanges under Obama care have went down every year since its inception. My wife who is on Obamacare received 2 weeks ago a rebate of 1500 dollars from her insurance. And she pays not a penny for her insurance,Thank you President Obama! Trump never had a better plan than Obama care and he still does not after almost 4 years. After Joe takes over in Jan., we will have medicare for all hopefully if we can take back the Senate and we will. So Mr. Glover you can take your BS somewhere else it does not work anymore.

Phillip Williamson

While I have only just begun reading the debating points between you and Mr. Glover, I feel you must be corrected on your premise that if one shops on the internet one can find it cheaper. Mr. Rau my company that I retired from aided in my search for a broker to help me in obtaining life and health insurance upon my retirement. My life insurance was farmed out to many companies, across state lines, and I was able to obtain good & reasonable coverages for my wife and myself. When it came to the health though, the broker stated that all that was available was on the exchange only for a retiree in Alabama. BCBS offered options on the gold, silver, & bronze plans. United Healthcare offered one. So you see, I went through a broker and then still contacted those companies that advertise on internet & tv about cheaper coverage. The answers always came back to only the policies offered on the exchange. Now those companies would then try an hustle me for supplements at an additional cost. Neither the deductibles nor coverage was worth the cost. While my coverage and cost is currently for a family plan for me and my wife the only cheaper options is to go the charitable/Christian community offerings, but like the pros/cons with insurance, this route has it as well. I’m glad your wife’s premiums have went down, while I have only been on Obamacare for two years, mine has gone up and I’m waiting now to hear if there will be an increase in January. Your other statements concerning SS and Medicare, I’m well aware of, especially since the good Lord blessed me with hard work & foresight to plan for a retirement day since my late twenties. My only point in writing the article and hopes of spurring additional debate on the topic, was that the lower income homes have reasonable coverage, the elderly over 65 have reasonable coverage, but those that are in the middle do not.

P. Glover

Mr. Rau: We all know you are a Dim homer and in your eyes they do no wrong. Facts: The Republican's did not write nor pass the Affordable Care Act. It is a sole product of the Dim party. Obama said: if you like your insurance you can keep it. We all know that was a flat out lie (one of many). After its passage, I was informed the BC/BS policy I had for years was no longer available to me. Three plans were all that were available. The only option that I could afford and would have decent benefit's had a $2000 deductible. My costs for this policy has increased every year since ACA was passed by your beloved Dim's. A part time employee through the exchange was given, yes given, a BC/BS policy with a $50 yearly deductible and 95/5 coverage for a mere $60 a month. I know this person and this is a fact. Mind you, that policy was and is not available to me. I can only imagine what it would cost me, knowing what my $2000 deductible 80/20 BC/BS policy cost. So, my conclusion is, I and others like me are paying for those the insurance that is being made available through the exchange. I guess that is fair by your standards?

As for your advice to the author, your logic is quite deficient to a normal thinking individual. To suggest the author can wait until eligible for Medicare does nothing for his current situation of paying a large premium for insurance. You are in no position to tell him what insurance to choose nor comment on his financial well being. You like most Dim's are hypocritical, self appointed elitists, and self appointed dictators to those you/y'all deem unable to decide for themselves how to live. If you cannot back up your false claims with verifiable documentation, you are no more that a Dim propaganda mouth piece.

David Rau

Mr. Williamson you can get cheaper health ins coverage. At your age you can easily get a policy for under $650 a month all you have to do is shop around. And if you do not qualify under Obama care for a monthly subsidy then you must be making over 50,000 a year. The reason that rates are that high under Obama care is that thanks to the republicans there never was a public option allowed when Obama care was drawn up and you can forget about shopping across state lines. That notion was tried but the big insurance companies do not want it passed so it was never passed. And if your over 60 all you have to do is hold on a few more years for your Medicare when you reach 65. When you get that all your medical cost are paid for up to 80% and you can get a supppliment for the other 20% at around only $100 a month thanks to the Democrats because Medicare was passed back in 1965. Also because you made good money when you worked you will get a good Social Security check in a few years again thanks to the Democrats . By the way Trump wants to end the payroll tax and defund SS and Medicare. Also if you think the Republican party has a plan for health care then you are whistling dixie. After 4 years we are still waiting for a plan from Trump.

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