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But ask any obamabot, they haven't done anything to hurt business, Go ahead and ask them. they'll tell you.
But ask any obamabot, they haven't done anything to hurt business, Go ahead and ask them. they'll tell you.
Kind of humorous that it's the "Obamabots fault" when the House and Senate are controlled by the Republicans in Michigan, and now they even have a Republican Governor. But yes, it's the Dems fault. Cry me a fucking river, cuz if something is wrong, it has to be the Democrats' fault.
Oooh. Somebody doesn't like being mocked.Yeah! You shut up, Charles! The government has spoken. You will obey! The government knows what's best!
Right, Cuyo?
Thank you, Dave, for another astonishingly profound contribution.
Oooh. Somebody doesn't like being mocked.
Thank you, Dave, for another astonishingly profound contribution.
Yes Hank Hill, you've hurt me deeply.
Oooh. Somebody doesn't like being mocked.
Yes Hank Hill, you've hurt me deeply.
Can I just get some assistance to understand your issue. Your first post in this comment added what exactly to the thread?
I suggest you might what to check out the definition of 'hypocrisy', Cuyo.
If that were the case, why in god's name would the insurance carrier be complicit in this little plot?
Not everything's a conspiracy guys.
Why on Earth wouldn't they? They get a larger premium check, and still cover the same risk.
No, your contemporary 'Mudwhistle' is arguing that the insurance company will have to pay out the $1.5M in punitive damages, hence the only winners are the lawyer for the plaintiff, and of course the actual plaintiff.
So, Here are the Basics. I live in Michigan. For the last 25 Years I have worked in the Residential New Construction and Home Improvement Repair Industry in one way or another.
About 15 Years ago I actually ran my own company doing roofing and siding and did pretty well.
Well for Personal Reasons I have for most of the last 10 Years been working for other people rather than myself. However now with the economy the way it is. I have been trying to start up my own Roofing Company again. Believe it or not, while new construction is slow, the home Improvement Industry is doing well. People unable to move are instead putting money into their existing homes.
Well anyways, As a roofer you are required by law to carry certain amounts of Insurance. Both to cover you and any workers when working on someones home, and here where I live I find out that unlike 10 years ago. I now have no choice and have to carry a min of 1.5 Million in Coverage in case we damage a home.
Now 10 years ago you could get much less. most of the houses I work on are worth no more than maybe .5 Million. Why is it now law that I must carry 1.5 Million when I do not work on homes of that Value? Why Can't I carry .5 in coverage and if I do choose to work on a more valuable home, But a rider like you used to be able to do?
It's just one example in millions where government regulations are to one size fit all, and stick it to us all.
I would imagine the increase had something to do with the steady appreciation of houses up until the bust. You do not provide us with the minimum amounts of required coverage from ten years ago, so it is difficult to make a fair determination as to whether this minimum is actually out of line compared to ten years ago or not. If the minimum ten years ago was $1 million in coverage, then the increase in the minimum is just accounting for the increase in home values. On the other hand, if ten years ago the minimum was only $250K, then you have a valid argument.
Friend, I'm in one of the most heavily regulated businesses out there. I had a gun salesman, yes, a man who sold live firearms, who was a customer tell me he is not nearly as regulated as we are. So I know it's a pain in the ass. And I'm inspected, unannounced, by the feds, specifically APHIS.
HOWEVER - I do indeed tire of "WAAAAAAAAHHHH! SOMETHING'S NOT GOING RIGHT! IT MUST BE THE GOVERNMENT'S FAULT!"
It's the same rules for everyone. Structure it into your price schedule and move on. The government is not a big boogeyman dispatched to get just you.
No, in general it is a big bogeyman structured to keep competition down and help the big, politically connected, business charge higher prices.
Unfortunately, this sums up reality fairly well for today.
Anarchy however, is not the answer - there is a place for government, a required place if we want to maintain the lifestyle Americans are accustomed to. The answer begins with simplification of the tax code. Even much of the hated 'regulation' bitched about so eloquently here can be traced back to congress taking upon themselves the power to tax you differently from me, a power NOT given to them by our constitution.
Simple taxes & regulation = fair taxes and regulation.
Fair taxes, a budget balanced by law and then build a government and society our children can be proud of and receive from us with thanks and hope instead of fear and resentment.
Friend, I'm in one of the most heavily regulated businesses out there. I had a gun salesman, yes, a man who sold live firearms, who was a customer tell me he is not nearly as regulated as we are. So I know it's a pain in the ass. And I'm inspected, unannounced, by the feds, specifically APHIS.
HOWEVER - I do indeed tire of "WAAAAAAAAHHHH! SOMETHING'S NOT GOING RIGHT! IT MUST BE THE GOVERNMENT'S FAULT!"
It's the same rules for everyone. Structure it into your price schedule and move on. The government is not a big boogeyman dispatched to get just you.
That is exactly the problem with Big Government. Same rules for everyone. Whether your a big company or small you need to carry the same coverage. If I structure it into my price schedule I would have to charge to much to compete with the bigger guys who can do more volume than me. Why is it so hard for government not to have one size fits all rules. Why can I not buy Insurance That is enough to Cover the homes I work on, and not have to buy 2 to 3 Times as much as I need just because government tells me to.
It's the same thing with Obamacare. Instead of people getting the coverage the need, Like younger people who really only need catastrophic Care coverage. They want to force everyone to pay for the same amount of coverage whether they are going to need it or not.
10 Years ago here in Michigan You could buy insurance based on what you needed not on some arbitrary amount the government decided. It is exactly things like this that stand in the way of small business. Which is exactly what I am trying to be. However when I have to pay so much in Insurance costs that I would need to do about 3 times as much work a month as I can do alone. It means I can't start off small like I did last time. That in order to make it I would need at least 2 Employees right away, and take on all the costs associated with that right off the bat. Just to be able to do enough work to justify the Monthly Insurance costs.
It's just stupid, and just one small example of how well intended government regulations can stifle our economy in ways you do not even think about.
Could it possibly be that when they left it up to the contractors to determine how much insurance they needed, many contractors were actually underinsured, and because of this, the state decided that they needed to step in and set a minimum requirement?
Government protects your stupid ass in so many ways you are too fucking stupid to understand.
Government regulations protect consumers in the marketplace.
Why on Earth wouldn't they? They get a larger premium check, and still cover the same risk.
No, your contemporary 'Mudwhistle' is arguing that the insurance company will have to pay out the $1.5M in punitive damages, hence the only winners are the lawyer for the plaintiff, and of course the actual plaintiff.
You really have no idea how insurance and lawyers work, do you. They settle cases rather than go to court and risk punitive damages, and they do this even when the fault clearly lies with someone other than the party they insure. That is because they take the advice of lawyers who like to tell them about all the big scary jury verdicts, while they actually encourage the same juries to give those verdicts.
Don't get me wrong, it is not the same lawyers, but they all belong to the same clubs. They routinely jump from defending insurance companies to suing them, and then back to defending them. They get their big money off the big cases where they sue them, which is why they always lobby against tort reform, even when they work for people that would directly benefit from it.
hmmmmm.....looks like you are jumping the gun in TRYING once again, to blame obama for all ills, ollie.....since this measure is STATE laws and regs!But ask any obamabot, they haven't done anything to hurt business, Go ahead and ask them. they'll tell you.
.....
hmmmmm.....looks like you are jumping the gun in TRYING once again, to blame obama for all ills, ollie.....since this measure is STATE laws and regs!But ask any obamabot, they haven't done anything to hurt business, Go ahead and ask them. they'll tell you.
first, I have seen absolutely NO PROOF that any State legislation on insuring amounts has changed since the rise of Obamabots, other than the op saying so.hmmmmm.....looks like you are jumping the gun in TRYING once again, to blame obama for all ills, ollie.....since this measure is STATE laws and regs!But ask any obamabot, they haven't done anything to hurt business, Go ahead and ask them. they'll tell you.
No not all, and I didn't say Obama I said Obamabots, ie the left. Is this not where the majority of business regulation seems to come from?
So, Here are the Basics. I live in Michigan. For the last 25 Years I have worked in the Residential New Construction and Home Improvement Repair Industry in one way or another.
About 15 Years ago I actually ran my own company doing roofing and siding and did pretty well.
Well for Personal Reasons I have for most of the last 10 Years been working for other people rather than myself. However now with the economy the way it is. I have been trying to start up my own Roofing Company again. Believe it or not, while new construction is slow, the home Improvement Industry is doing well. People unable to move are instead putting money into their existing homes.
Well anyways, As a roofer you are required by law to carry certain amounts of Insurance. Both to cover you and any workers when working on someones home, and here where I live I find out that unlike 10 years ago. I now have no choice and have to carry a min of 1.5 Million in Coverage in case we damage a home.
Now 10 years ago you could get much less. most of the houses I work on are worth no more than maybe .5 Million. Why is it now law that I must carry 1.5 Million when I do not work on homes of that Value? Why Can't I carry .5 in coverage and if I do choose to work on a more valuable home, But a rider like you used to be able to do?
It's just one example in millions where government regulations are to one size fit all, and stick it to us all.
But ask any obamabot, they haven't done anything to hurt business, Go ahead and ask them. they'll tell you.
Kind of humorous that it's the "Obamabots fault" when the House and Senate are controlled by the Republicans in Michigan, and now they even have a Republican Governor. But yes, it's the Dems fault. Cry me a fucking river, cuz if something is wrong, it has to be the Democrats' fault.
Must be. Unemployed? Blame a Democrat. Underemployed? Blame a Democrat. Plantar's warts? Blame a Democrat. Neighbors have a barking dog that never shuts up? blame a Democrat. Uneven tire wear? Blame a Democrat.
but that last one is absolutely true. 
If it weren't for double standards, leftists would have no standards at all.Oooh. Somebody doesn't like being mocked.
Thank you, Dave, for another astonishingly profound contribution.
Mocking is only acceptable from liberals. Conservative mocking is racist... or bigotry.... or something..... it's just not acceptable.
well, I hear him. I can take a guess as to why he may have to carry the higher ins. maybe, there are larger outfits that have lobbied the statehouse to make the ins. necessary larger to force the little guy out...happens all the time.
you know what it takes to cut hair in cali? unreal.
Friend, I'm in one of the most heavily regulated businesses out there. I had a gun salesman, yes, a man who sold live firearms, who was a customer tell me he is not nearly as regulated as we are. So I know it's a pain in the ass. And I'm inspected, unannounced, by the feds, specifically APHIS.
HOWEVER - I do indeed tire of "WAAAAAAAAHHHH! SOMETHING'S NOT GOING RIGHT! IT MUST BE THE GOVERNMENT'S FAULT!"
It's the same rules for everyone. Structure it into your price schedule and move on. The government is not a big boogeyman dispatched to get just you.
That is exactly the problem with Big Government. Same rules for everyone. Whether your a big company or small you need to carry the same coverage. If I structure it into my price schedule I would have to charge to much to compete with the bigger guys who can do more volume than me. Why is it so hard for government not to have one size fits all rules. Why can I not buy Insurance That is enough to Cover the homes I work on, and not have to buy 2 to 3 Times as much as I need just because government tells me to.
It's the same thing with Obamacare. Instead of people getting the coverage the need, Like younger people who really only need catastrophic Care coverage. They want to force everyone to pay for the same amount of coverage whether they are going to need it or not.
10 Years ago here in Michigan You could buy insurance based on what you needed not on some arbitrary amount the government decided. It is exactly things like this that stand in the way of small business. Which is exactly what I am trying to be. However when I have to pay so much in Insurance costs that I would need to do about 3 times as much work a month as I can do alone. It means I can't start off small like I did last time. That in order to make it I would need at least 2 Employees right away, and take on all the costs associated with that right off the bat. Just to be able to do enough work to justify the Monthly Insurance costs.
It's just stupid, and just one small example of how well intended government regulations can stifle our economy in ways you do not even think about.
No, in general it is a big bogeyman structured to keep competition down and help the big, politically connected, business charge higher prices.
Unfortunately, this sums up reality fairly well for today.
Anarchy however, is not the answer - there is a place for government, a required place if we want to maintain the lifestyle Americans are accustomed to. The answer begins with simplification of the tax code. Even much of the hated 'regulation' bitched about so eloquently here can be traced back to congress taking upon themselves the power to tax you differently from me, a power NOT given to them by our constitution.
Simple taxes & regulation = fair taxes and regulation.
Fair taxes, a budget balanced by law and then build a government and society our children can be proud of and receive from us with thanks and hope instead of fear and resentment.
I have never advocated getting rid of government, I just want it small enough that it does not create regulations just to justify its existence.
