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Be it enacted by the Senate and House of Representatives of the United States of America, in Congress assembled, That each and every free able-bodied white male citizen of the respective States, resident therein, who is or shall be of age of eighteen years, and under the age of forty-five years shall, within six months, provide himself with a good musket or firelock, a sufficient bayonet and belt, two spare flints, and a knapsack, a pouch, with a box therein, to contain not less than twenty four cartridges, suited to the bore of his musket or firelock, each cartridge to contain a proper quantity of powder and ball; or with a good rifle, knapsack, shot-pouch, and powder-horn, twenty balls suited to the bore of his rifle, and a quarter of a pound of powder. - The Second Militia Act of 1792.
If an individual mandate was legal for George Washington, it's legal for Barack Obama.

Date: 2010-03-24 08:39 pm (UTC)
From: [identity profile] wendor.livejournal.com
The primary source of road financing for most states is gasoline taxes and vehicle registration fees, so who would people without cars be overly concerned?

As for the drivel about where conservatives live and who lives in downtown Manhattan all I can say is....put the bottle down before you hurt your liver.

As for making it fly with a cop and whether or not the claim that "car insurance is required for everyone" is bogus....I can speak to both firsthand as I self-insure.

So perhaps it is you that need to check your facts.

Date: 2010-03-24 09:32 pm (UTC)
From: [identity profile] dv-girl.livejournal.com
1) Bull. Yes there are gas taxes and registration costs but there are also budget items at both the state and financial level for roads as well.

2) Don't blame me for polling demographics, and even if the demographics are wrong, 'New York Liberals' and 'San Francisco Liberals' are common rhetoric from the right and we were talking about the perception of the right. Resorting to personal attacks will not help you argue your case. It's just kind of sad.

3) Okay, so out with it then. Are you a liar or a moron? Per what I've read you need to have at least $50,000 in a frozen asset as a deposit to be self-insured. My annual car insurance is about $250. So if I had a spare $50,000 laying around (which like the vast majority of americans, I don't) I might be inclined to invest it in a CD or money market or something. You know... Something that would generate far more than a fraction of a percent of interest per year. 'Self Insured' seems pretty stupid.

But perhaps you're talking about 'No fault insurance'. That stuff is great! Just great! When I was 19 I got hit by some dumbass drunk driver in Pennsylvania. They have 'no fault insurance' So... Hey lucky me. Even though I was a pedestrian, I had car insurance. Otherwise I'd have been on the hook for the $30,000 in medical bills. My insurance rates went up because some dumbtard ran me down. Isn't that awesome? If I were poor, I'd have been royally f***ed. He drives off with a dented fender and a traffic ticket, I get out of the hospital a few days later and live the rest of my life with artificial teeth and scars from where my face was stitched back together. EVERYBODY WINS! Or wait no. That's: The guy with the money wins. The student working at Wendy's is left with permanent damage and a pile of bills. So which is it? Did you lie for the sake of argument? Are you stupid with your money? Or are you merely smokescreening by using the wrong term to refer to another model of insurance? Hmm?

Date: 2010-03-24 10:51 pm (UTC)
From: [identity profile] wendor.livejournal.com
If you think self-insured is pretty stupid, then you really need to talk to your attorney and your accountant.

In most states your deposit does not have to be in a frozen no-interest state. You can continue to invest and earn returns/interest on the money. All you need to do is certify that you maintain a sufficient floor in convertible assets.

Date: 2010-03-24 11:26 pm (UTC)
From: [identity profile] dv-girl.livejournal.com
You're still gambling the sum on an annual amount that is a fraction of a percentage of the amount. It's pretty stupid. All it takes is someone cutting you off in traffic and you're out more money than my parents earn in a year. But I'm sure that just like the stock market nothing could _possibly_ go wrong. Right?

Or wait let me guess. The investment is somehow insured through another method that's cheaper so that if you screw up driving, it hurts other people with investment insurance so that you can get 'free' car insurance.

Or do you simply plan to have a creative way of getting out of paying any debts if you hit someone? That's a fine game for those who have money. If someone is injured because of you and facing a lot of debt because of you, it's that much harder for them to pursue a claim against you and since you have proof of pretty good money on hand, you can probably hire a better lawyer than Joe Average. A lawyer that knows how to stall and delay because he knows that most people can't afford to go after an asshole and they'll have to cut their losses and give up, so you'll get away with only a lawyer's fee. Must be nice to be on that side of the equation. Most americans are not. BTW, it also doesn't really work with your health, does it? You can scam when its someone else's health but it's much harder to cheap the reaper. But who knows. Maybe you'll get lucky. Maybe you'll never get sick. Maybe you'll never get hit by some drunken asshole in a Beemer. Anything is possible.

Date: 2010-03-26 09:30 pm (UTC)
From: [identity profile] wendor.livejournal.com
For someone who doesn't know me you seem to be hellbent on deciding that I have nefarious motives.

I also find it odd that you insist that having car insurance is better than self insuring because if I self-insure the risk is all mine (you call that stupid)...but then refer to investment insurance claims as "hurts other people with investment insurance".

How do you reconcile those two? Is it hurting other people with insurance if I have insurance and make a claim against it...or is it stupid to be personally financially responsible and pay for my own damages out of my own pocket without help from anyone?

And if it weren't clear enough...all of your accusations are wrong.

If I am in an accident and I am at fault, I will pay for it out of my own finances.

If I am in an accident and someone else is at fault, I will pay for my damages out of my own finances in the short term, and then attempt to recover them from the at-fault party.

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