[Coronita]

The markets can stay irrational longer than you can stay solvent.

[Coronita]

[quote=spdrun]Bypass the system entirely, send your kids to university in Europe. Relatively easy compared to the US to get into professional programs like 6-year med schools (some even offer English-speaking classes), plus some countries have a more tolerant attitude to vice (drinking age 18!) than the USA.[/quote]

Um, dont try to give out advice about children unless either you have kids or you are an exemplary model of the results of what you are suggesting.

And like I said. If things are so great elsewhere, get out of this country, and leave the limited resources available here available to the rest of us that like it here way better.

Just my 2 cents

[Coronita]

As far as the SAT adversity score… not sure what to do about it, or I’d anything needs to be done with it. I am sure there will be lawsuits over it.

While preference might be given to students attending a ghetto school in a ghetto area, you probably don’t want to send your kid there either because you don’t want your kid to get shot or killed.

However, I do think this adversity score will hurt more families that arent well off than those that are.

I can’t think of many of my kids friendsthat were renting in Carmel Valley because they wanted to be in a better school distric, and they were qualified for federal housing assistance..Those kids, presumably , would get the same adversity score as my kid if the way it was determined was by geography… Richer parents are always going to find a way to get around these stupid things if they really wanted to , because they have more financial resources at their disposal to do this. Maybe a market for an elite private school in a ghetto area, that includes armed guard transportation such that the kid school registration is in a ghetto area with better adversity score…just thinking aloud.

anyway the guy who runs college board now and came up with adversity scoring is the same guy that architected common core…. So go figure.

Me? I’ve come to the realization that my kid probably won’t get the maximum benefit from going to an Ivy League school like I went to versus a good public college, irrespective of the current overall good academic performance… What I don’t want to happen is spend $500k+ of my own money to send my kid to such a school, only for them to graduate directionless like many kids these days are, or major in something like conversational linguistics that at most have job prospects of something only requiring you to say “you want fries with that?” So assuming even if my kid can get in, which is a big assumption, my kid would need to get a full ride. The good news is that in this country, as opposed to countries like China, not getting into an elite school is not doom or gloom and a life ending thing. Work ethics and generally not being a lazy bum can get you pretty far in this country….(and in some cases once you have established yourself, you can be a lazy bum and still get paid a lot of the work you barely do, as is the current case for me)…

I went to an elite school and it didn’t necessarily make things better or worse than my peers that went to a good state school, given the profession I picked. Back then, my education only cost $90k total. These days, that’s what it’s going to cost year per year if your kid doesn’t get a full ride.. Given the cost, and how some of these schools are anti-asian with their discriminatory admissions process, I’d rather put my money into a school that wants it…or real estate that my kid can inherit it so that if my kid wanted to pursue a conversation linguistics major or any other “unemployable college major”, my kid could without consequences to her future financial well being and end up being a social burden to everyone else because hopefully my kid wont need to count on both federal and state assistance , so those that really do need it(those kids and family that were just born into an unlucky situation)can get it.

[Coronita]

if I knew what I know now. I probably wouldn’t have decided to live in CarmelV. I mean, it’s a good and safe place to live, really convenient to go to work and easy access to the freeways and decent schools….

But the affluence or perceived aflluence also has a lot of negatives….A lot of self entitled parents and kids, and a lot of kids that are so spoiled and directionless being born into a family with a silver spoon, many of them get into trouble with drugs, alchohol, etc because they have nothing better to do….But again, you’ll find the same problem over 4S or RB too

if I were to do things over, I’d probably send my kid to a charter school or private school

I can’t complain about the property appreciation though.

[Coronita]

[quote=barnaby33]flu, you could have shortened that whole story to, “you can’t pay someone else to deal with your problems.” Educating your kid is your problem!
Josh[/quote]

Now that BG is gone, someone has to write a long paragraph that no one really reads to continue the tradition.

A better comparison should have been comparing the number or lizards and walls in stucco boxes in far flung Carmel Valley versus lizards and walls in stucco boxes in far flung 4S…..

[Coronita]

[quote=serendipity4]While all that you say is true, I have heard feedback from parents that your peers and the parent volunteering at the school makes a lot of difference too. If my kid wants to form a group at his school for an olympiad or FLL (lego league), but does not have peers interested in the same or parents who are interested or knowledgeable to volunteer in those areas, then my son will be pulled down too as a result. Those are the kinds of things I am looking at. Considering that parent involvement is going to be there as a given, we are conflicted between 4s vs CV. More of the activities he is going to be involved in are closer to 4s. We prefer hotter weather vs coastal clouds all year and we are getting a better sqft, bigger backyard, his friends etc in 4s and hence slightly leaning towards that vs CV.[/quote]

Let me give you a different perspective.

My kid went to CarmelV. She had a lot friends (family and otherwise) that went to 4S and RB. Regardless of which school it was… Tiger parents that cared tended to gravitate toward other tiger parents that cared. And those that didn’t, didn’t.

If you plan on being heavily involved, like I was, it wont matter really which school you go to in 4S or CarmelV because both schools have plenty of parents that care.

The thing that imho a lot of people in CarmelV are in denial with is that Carmel Valley schools really aren’t any better or worse than any other good performing school that you can find all over San Diego. It’s the parental involvement that saves the day. And that same league of parents is found in other areas too..

Specifically when it comes to math and science, you will be disappointed severely if you are counting on the public schools to teach/instruct/offer anything exceptional, and not be involved yourself or know someone that is involved…

In the DMUSD, anything that is STEAM+ (science , technology, art, music) etc is all funded by voluntary contributions by parents in the district, roughly $800 donations per year per kid…and depending on the school, not everyone contributes (especially the public schools that are closer proximity to the concentration of apartment complexes that never donate). And that is shared across all students equally regardless of what parents contribute…. While that’s how it should be in the public schools, clearly you aren’t going to get the same level personalized instructions for your kid as you would, say if you spent that money specifically for your kid… I’m just being brutally honest about this… (For the record, my total contributions to the district each year was closer to 4x-5x the suggested amount, time, money, and goods donated)…. This year, DMSEF foundation had a budget shortfall…(Ok, they didn’t really have a shortfall. They wanted to pay for a “course curriculum consultant” to design new STEAM+ courses for the district that was expensive…and the amount of donations raised was on parity to the previous years…So to pay of that consultant, they had to cut teaching staff. Out of all the teachers they could have cut, they cut the science teacher… And at one of the best schools in the area… Sage Canyon…. (keep in mind, that most kids run around, and participate in things like soccer, basketball, softball,etc outside of school) why the DMSEF cut out science, when the entire program is suppose to emphasize science and math is beyond me. )

Regarding things like FLL….Again, be sure you understand what an FLL team at say a public school is for, versus say a private FLL team that you or someone forms…

If your kid really is a STEMs superstar (mine isn’t, btw ) and your kid is programming left and right like there is no tomorrow, you probably want him/her to be on a competitive team so he can make it to the regionals, right? If so, you are better of either forming your own team or finding a private team outside of school.. Most FLL teams that are really good are not formed sanctioned by the public school district with school funds, the exception being charter schools…
The competitive teams come out of private schools like Bishop school, or Cambridge school, and charter schools like Sundance, which make it to the regionals and finals all the time.

In Carmel Valley, 2 years ago, there was only 1 elementary school in the district that was officially sponsored for FLL (maybe it was 2 schools), that one school had 6-8 teams.. The teams were designed to help raise awareness to FLL,STEMS, robotics, with the goal to get kids interested that otherwise would not be, never about making it to the regionals/finals” as some tiger parents dream of… Think of this as soccer. You have competitive “Sharks Soccer” league, and you have “AYSO anyone can play leagues”… The FLL teams at the school were the later category….Which again doesn’t seem to fit your high achieving kid you describe.

It’s extremely difficult to make it to the regional competition, because of the diverse student body in knowledge, skillset, and interest, and the philosophy at the school (which I agree with) is to emphasize teaching/learning than actually winning the competition…Hence just like AYSO soccer, everyone “plays” with more or less equal play time even if the skill level is all different. For the past 12 years at my kid’s former school, none of the 6-8 teams made it to the regionals…The exception was the last year my kid was there, when both of the two all girls team made it to the regionals that 2-3 moms and I coached….That took A LOT of work from parents. So again, I think you need to be realistic in what you expect out of a public school….It’s not a magic pill.. Behind every winning team or winning student at every competition, whether it’s FLL, Academic Decathalon, Science Field Day, Nolan Math Competition, Rubik Cube, etc… There’s always a set of dedicated parents that made it happen, and that’s found at any school.

[Coronita]

[quote=serendipity4]We are looking to rent or sell our current first home (suburbs) and move to a home in 4s ranch (most likely) or Carmel Valley (2nd option). We are looking for highly ranked schools (elementary through high) and proximity to lots of kids activities/amenities etc. Selling our first home is not a requirement to buy a new bigger one. Last winter to early spring, there was a slight drop in the market before things picked up again starting this spring. Even something like that would help us save 50-100k I believe. So no one expect a housing drop anytime soon? :([/quote]

You are wasting your time trying to figure out which public school best, 4S or Carmel Valley for an elementary school kid that may or may not be a genius by the time they are in middle school and are exposed to external influences like drugs, sex, alcohol, and vape, which pretty much happens at both of these “excellent public school” districts…The only difference that is really going to make for your kid is your personal involvement, as any other tiger parents have already figured out. The teaching staff at any public school is going to be mediocre at best. You might have one or two good teachers, and the rest are just there because they are there… The only thing you probably should be considering is which location is closer to work and the rest of your other friends, and whether you like being closer to the ocean or further inland because there’s probably a 5-7 degree difference between Carmel Valley and 4S…. Both great areas to live… both with tradeoffs. Public school isn’t really one of them. Many of the parents in Carmel Valley that I’m friends with who really have gifted kids post elementary school ended up sending their kids to private schools like Bishop school. Yes, they spent a considerable amount of money to live in the areas with access to the best elementary schools (Sage Canyon, Ocean Air) and then decided the schools weren’t good enough and took them out of those schools because they weren’t challenged enough and sent them to private schools. And of course there are the kids that were once gate/gifted in elementary school, that drastically took a u-turn in middle school and decided that being popular and dating and partying was more important…And many of those kids now are excellent C average students, many of them will probably end up being excellent managers and directors…

I remember back when my kid was in elementary school, all the tiger parents were so uptight about trying to get into the best public schools in Carmel Valley: Sage Canyon and Ocean Air. Everyone was so convinced, based on the test scores, that the education in those schools was so much better than other schools such as Ashley Falls or Sycamore Ridge or Torrey Hills… It was the most ridiculous thing, because once all the kids ended up in the same middle school, most kids that were good academically well grounded ended up doing the same regardless of which school… And the ones that didn’t, well it didn’t matter what school they went to also.

If you want real proof… Take a look at all the standardized test scores from all the elementary schools in the district, and filter the scores out and select only the “asian students”… You’ll notice the average test scores are almost the same (maybe the difference between the average being 999 versus 980 versus 990….Data doesn’t lie. there is no better or worse teaching staff at any of these schools. The reason why all these kids scored the same is because most of them probably have parents that are all heavily involved and invested in their education well beyond what the public school offers…just like I was…

[Coronita]

[quote=gzz]Flu, I’ve heard making a claim on homeowners policy raises your rates a ton for a long time, so don’t do it unless it is a major issue.[/quote]

It really depends on the insurance provider how they handle water claims.One of my insurance companies have a 2 strike rule such that if have more than 2 water claims on the same property within a 2 year period, you can get dropped completely.. But, other than that, your rates won’t go up… I have another insurance company that wont raise rates for 3 claims within 4 years. And I have had insurance companies that will drop you if you have more than 3 claims within 2 years across all your properties you own. So it varies by a lot. If you have concerns, you should talk to your insurance agent to get to the exact bottom of things… Also, you should have an agent that works with different carriers that can write you a new policy at a different company if you need it… My agent works for Allstate, BUT he also writes contracts with 4 other carriers…And I’ve switched between them every so often just to take advantage of each of the variations of their policies and because sometimes one carrier premiums end up being less than the other.

In general, you should try to avoid a water claim unless you really have moderate damage because you want to save the water claims for the situations that you really do need it. Anytime you need to bring in an official water mitigation company, it’s going to cost a lot of money because they need to cut the drywall, they will need to get an asbestos inspection clearance (new law in CA even if your home is built after 1980), they will need to run heaters, etc. Even for a small 1/1 condo, I have never seen a mitigation company charge less than $1500 for a tiny water mitgation work….So anytime the water mitigation company needs to be involved, you are better off running it through insurance because chances are your deductible is lower than the cost of water mitigation + restoration (drywall, retexturing, repainting)

The situation when you want a water mitigation company to come by is when (1) your water damage is moderate to severe or (2) you caused water damage to someone else’s property, no matter how small you *think* it was and (3) someone else causes water damage to you, no matter how small they insist and think it was.

#2 and #3 really only applies to condos and townhomes with shared walls/ceilings…We will get back to those later.

In the OP’s case above, the property is completely his, what matters mainly is how extensive the water overflow was. a one time flush overflow, as annoying as it is, probably isn’t going to create a mold issue in a San Diego home. We don’t live in a humid area, it’s pretty warm during the summer, and we are close to the summer. Homes are built such that there is an amount of breezing room between walls, ceiling and joints to tolerate some moisture, and most of the overflow water from 1 flush has already drained out.. the only thing left is probably some staining on the ceiling. So these are easy fixes that a handyman can do, which the tenant should pay for (you find a trust worthy handyman, and stick the tenant with the bill, not the other way around)… The tenant is full of shit saying the floors are not caulked. No amount of sealant or caulking is going to prevent an overflow of a toilet from upstairs to the downstairs ceiling, and basically, the tenant screwed up if the toilet was backed up… End of story… OP should find a plumber to check the toilet isn’t backed up again, to make sure it doesn’t happen again.

Now on to case #2 and #3 when a townhome/condo is involved…..

If your condo/townhome was damaged by someone else’s property, you should insist on getting that person’s insurance, and you should insist on hiring a water mitigation service.. The reason is simple… You shouldn’t take chances on if there is mold, and especially for attached homes, if one unit is growing mold, if could eventually affect everyone else’s. And save yourself the hassle and get the person’s insurance, assuming they have insurance, and don’t let them talk you into settling this out of pocket.. Why? Because they won’t agree to the costs of a proper water mitigation service, afterall they are trying to save money by not going through insurance, and you should not shortcut your water mitigation/restoration to make things convenient and cost less for them….Run it through their insurance…When you talk to their insurance company, they will try to do everything possible to get out of paying you. They will try to make a distinction between whether the owner (or his tenant) was negligent or whether the water damage was due to normal wear and tear…. Why? Because insurance companies will say a water leak from normal wear and tear is “normal” and hence the owner isn’t liable and refuse to pay you.. Versus, the owner was “negligent” (didn’t keep up with maintenance, tenant threw tampons down the toilet), then the insurance will have no choice but to cover for owner’s negligence… Yes, I know, did I tell you how much I hate insurance companies? It gets better. Insurance companies will do their best to deny the claim and tell you if you aren’t happy, just have your insurance company pay for things and subrogate the claim…Well, here’s the rub… Remember what I said about the 2 strike rule that sometimes your insurance might drop you if you have more than 2 water claims on a property within a year? Yup, that can include subrogated claims that wasn’t even your fault… That’s why whenever the other owner was clearly at fault, I never subrogate my claim….I always deal with the other guy’s insurance directly. And boy can it be a bitch to deal with….

There was this owner upstairs, and his water heater leaked and flooded my condo downstairs, and the ceiling drywall sagged and fell off. He originally wanted to pay out of pocket, and I was like fine. Servepro wanted $3000 to dry everything out and cut out the drywall, it was another $1500 for drywall with my guy, carpets needed to be shampooed and aired out, and so the guy was looking at $5500 roughly….He balked and tried to convince me to use his unlicensed people to do everything for like $1000… I said hell no…. Why? Because if you are selling your place later, you will need to disclose of any water damage within X number of years….If it was major, the buyer (like me) will want proof that a water mitigation/dryout was properly done by a reputable company. If you don’t have proof, that’s a red flag… Caving in and letting the guy upstairs hire is $1500 undocumented/unlicensed worker to do everything for cheap will give me a headache when it’s time to sell.
So, in the end, I insisted on running it through his insurance…And his insurance tried to snowball me and deny my claim as a “routine maintenance item”… I ended up threatening to sue the owner in court for $15k, including not only the cost of the repairs, but all the time off from work I had to take to deal with insurance…(Since I’m an exempt employee, I can’t take 1/2 day vacations. So every 1-2 hours time away from work, I just asked for 1 day of PTO from my boss to deal with it)…I called the owner and tried to explain ahead of time that I was going to sue him not because I wanted to do, but because his insurance refused to pay me, and only if I sued him, will his insurance actually have to take me seriously because if he lost in court, the insurance would still have to pay me… It rattled and pissed of the owner, and I’m sorry that he didn’t understand it wasn’t that I had any issues with him. But that’s what it takes for some insurance company to deal with you fairly… In the end, I had a stack of proof that the owner was “negligent” in that he didn’t maintain the water heater, didn’t ensure the water heater properly drained, didn’t use a licensed contractor to install the water heater, didn’t get a proper permit for the water heater, and that if we went to court, not only would I be seeking damages to my property, but also loss of use from my tenant, loss wages, transportation costs…oh and I would be calling the city to reinspect the owner’s water heater installation to make sure everything was up to the latest building code since he didn’t have a permit for the new water heater he just put in for cheap..including the water heater overflow tank that all new installations must have according to the latest building code….all of which your insured and you would have to deal with who pays what, not my problem…. Insurance ended up calling me back and asked me to send a line item of reimbursement costs. I sent them a $15,500 bill including my wages.. Insurance settled with me a little over $14k…. All because they weren’t willing to pay me the original $5500 I asked to be reimbursed for originally…. go figure..

That brings me to the last point… If you are the one that causes water damage to someone else…You want to go through your insurance to handle their claim to however they want because you don’t want to be liable for anything later… You want a release of liability claim from the owner you damaged…..AND if you are already going through insurance to pay for damages to someone else’s unit, you might as well run damages to your own unit through insurance anyway, since a water claim is a water claim, regardless of whether the insurance had to pay only the other guy’s damages, only your damages, or both….

[Coronita]

[quote=outtamojo]Has anyone tried tile baseboards with a tiled bathroom floor to contain toilet leaks?[/quote]

Instead of the water leaking right away downstairs, it will end up flowing into the hall or another room upstairs…where it could then flow downstairs. It seems like that would cause even more damage.

Don’t think this will work… unless in your lavatory, the toilet sits below all 4 sides.

[Coronita]

Oh as a followup, you can also use some of these learnings to help you deal with your next water damage caused by someone else, if they aren’t cooperating with you…

For example, that owner that caused water damage to my unit below had another plumbing leak 7 months later. It wasn’t a big deal, but I wanted to use my guys to handle the leak and everything… He again, wanted to be cheap and find his unlicensed plumber, unlicensed handyman, to repair his plumbing and patch my walls and ceiling…

I said hell no. Even though it’s your plumbing, those pipes run aobve me. I insisted him using a licensed/bonded plumber just so if the work was shoddy and it leaked again, there was some accountability…. or use my guy who is licensed/bonded who is cheaper than average. The guy tried to weasle his way out again by going the cheapest route again….

This is where I dropped the hammer and said.. Ok fine, if you aren’t going to do the repairs they way I want, I want your insurance so I can run everything through your insurance company again……Oh by the way, since this is your second claim within a few months, your insurance carrier might end up dropping you and you might have a lot of trouble getting re-insured with TWO water loss claims on the same property in less than a year…If you don’t believe me, you can call your insurance to see how they handle more than one water loss claim on the same property within the same year…..

The owner called back and said, just send me the bill of whomever you want to use, and I’ll Venmo you back…. He never gave me problems again….

[Coronita]

Sure. I don’t know why my phone autocorrected and said “missed” Servepro, etc. But i meant to say, I used Servepro, etc

Ask your tenant to take some pictures and you can PM them to me and I can give you an opinion.

The more important question is why is the toilet clogged? One of my tenants thought it was a good idea to throw feminine hygiene products down the toilet. My plumber dug it out….At the end of the year I deducted the $400 bill from their deposit when they finally moved out..I didn’t tell them until they moved out, alone with the $175 for the garbage disposal that they broke too, but I did keep a copy of the receipt and a record of it….. You might want to get a plumber to check it out your toilet. Dont mention about who pays cost now to your tenant… #1 priority is protection of your property from additional possible damage at this point. and a scheduled non emergency plumber is a lot cheaper than an emergency one. I have a guy that I trust that is licensed and pretty inexpensive. PM me of you want his contact.

[Coronita]

[quote=skerzz]This is a single family residence (two story). Struggling to understand how one flush would have done this; might have to fly out myself to check things out.[/quote]

it happened to me once. my tank for clogged and when it flushed , water ended up overflowing out and went underneath the baseboard on the sides and started dripping down the ceiling downstairs. If it’s just your own house, personally I wouldn’t worry about it so long as it was really just a one time one flush event. If on the other hand , the toilet was clogged and the fill valve was broken and caused water to overflow for several hours, then it’s a bigger problem. The official way to address this is to go through your insurance who will help you get a “water mitigation/restoration company”. I missed Servepro and Emergency Restoration Services before. Basically what these companies do is charge a lot to come to your house , cut open the drywall if necessary, stick blower heaters to dry out the inside of your drywall, spray an anti-mold solution (which is really just bleach ). You then need to find a drywall person to patch up and paint. The restoration company can do it, but they always charge a fortune and subcontract it out. Anyway, it isn’t cheap so you will want to run this through insurance….However again, if this is a SFH and it was only.one flush , you can probably just ignore what happened since the water probably has already dried .. To remove any water stains on the ceiling, mix 50/50 bleach and water into a paint tray and roll the bleach solution gently over the ceiling a few times. If that doesn’t work, finding s handyman to paint the sealing.

If this was a condo and you damaged the downstairs unit, I wouldn’t just ignore it.. I would get your insurance to get a water restoration company to dry out the ceiling of the owner downstairs. you will want official proof that water mitigation was done on their property correctly so you don’t get sued if mold ends up being a problem in the downstairs unit

[Coronita]

is this a house? Or is it a condo and your condo flooded the unit downstairs?

[Coronita]

way too early to determine if any of your kid’s “advanced learning” is going to carry over into the years that matter. In fact, many of the kids that were smart/advanced learners in elementary ended up falling behind once middle school and high school kicked in. simply because they thought they were so smart and eventually got lazy..
while as the kids that struggled early and cared about doing well developed the work ethics to overcome whatever learning difficulties disabilities they had.

if your kid really is advanced AND self motivisred in STEMs you are wasting your time considering public schools in 4S or Carmel Valley… And if he really isn’t into STEMs no matter how gifted you think he is, it also wont matter which district you pick because both are good.

Many of the peers of my kid that were previously “gate” or “advanced learners” fell off the cliff starting 7th grade because they forgot the part about being self motivated and couldn’t do something as simple as “doing homework”.

Carmel valley schools aren’t really any better or worse than 4S. The difference is the parents involvement. I haven’t been impressed with any of public schools.

There was virtually no difference between my kids elementary school in CarmelV and Chapperal in Rancho Bernardo which a lot of tiger parents in RB seem to flock to….The margin of error was directly related to the parental involvement, who collectively felt the same way…

[Coronita]

Great.. So we are in agreement that sometimes it’s ok for government to get involved and use money to either spearhead some R&D for tech to advance in this country….or in some cases to protect tech in this country when it is threatened by possibly illegal activity or forced IP transfer as a condition of doing business in that country…especially when foreign entities expect nonsuch barriers and conditions to exist the other way around.. .

And for example it makes no sense for the US government to invest $250 million into a US company to develop advanced battery technology in the US with a lot of patents and IP that could have spearheaded technology critical for green industries in the US….but then sit idle as the company goes under, allowing such companies that received such grants to subsequently gets acquired by Chinese holding company Wanxiang Group, because “the US government shouldn’t interfere with the ‘free market’ “….the US government should continue to spend money on such R&D to develop cutting edge technology that arguably otherwise would not have been developed in “the free market” in the first place, if short term profitablity was the only deciding factor….but shouldbt be hands off and then allow such cutting edge technology to simply leave this country…it makes no sense that the US government and US taxpayers should continue to foot the bill for such cutting edge research and development in strategic industries for the future of the US, but when it fails, then allow it to be transferred abroad….

Also, unrelated …shouldn’t the US government step in , if healthcare insurance companies in the interest of shareholder profitability, decides to stop paying us doctors and dentists and healthcare professions current agreed upon service charges, and instead flies in several thousands of doctors, dentists and medical professionals from overseas via a guest worker visa program, where they can provide “almost as good” medical coverage at 1/4 the normal agreed upon bill out rate ……analogous to how some tech CEOs gets cheaper labor by using workers from abroad, so that company can provide those $399 Walmart specials while enjoying that huge shareholder profitability. After all, for many both insurance and healthcare costs are no longer affordable, and a Walmart like solution would be a good short term fix for a good percentage of the people that can’t afford it….And then , you can have the creative bsuiness owners that setup a medical services consulting company that offers guest visa and H1B visas to foreign doctors, dentists, and healthcare professionals from abroad who don’t mind working at substandard US wages and rotating in and out of guest worker visas…so that these medical services consulting companies can then go bid on insurance contracts to provide affordable health care services to insurance subscribers, cutting out a lot of US trained doctors, dentists, health care professions who spent time, energy, money on all those pesky board certifications that are nothing but bureacractic red tape… kinda of like how the tech industry was sort of “evolving” to ….So the average american can now go to Walmart and get that Walmart priced laptop with that Walmart priced healthcare checkup… Would we want the US government to get involved or not?

I am certainly very fortunate that I am significantly much luckier than a majority of my peers, financially.. But having spent a considerable about if time with many of my peers that aren’t so lucky, let’s just say that I’ve learned to understand why many American workers are so frustrated.

[Author]

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