politicalbetting.com » Blog Archive » The LAB selectorate polls don’t always get it right – remem
Comments
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As an insurance broker, I naturally decry that.Charles said:
What else would you call lending money to people who don't need it?HurstLlama said:
Sorry, Mr. Charles. I didn't know you or your family were in the insurance business.Charles said:
*ahem*HurstLlama said:Bankers are noble citizens compared to the thieving toerags who run insurance companies.
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The guy is a total tool. On evidence displayed he was very lucky to even get 2 x E's at A-level.williamglenn said:
The full quote was even funnier. He said he doesn't eat biscuits because he's anti-sugar, but if forced to take one he likes shortbread.FrancisUrquhart said:
Its what I imagine Jezza has for his dinner...given he is "anti-sugar" and so doesn't have a favourite biscuit.IanB2 said:
Polenta is dust, or almost.FrancisUrquhart said:
Or polenta.....MTimT said:
Or more like faro? Thanks to the wife, we have all three in the cupboard (collecting dust).williamglenn said:
It's like quinoa.MTimT said:
Who is Spelt and why is (s)he wrong?David_Evershed said:
.....spelt wrongly......BannedInParis said:UkUncut.
Well, that's spelt wrong for a start.0 -
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Think of it like car insurers having approved repair centers. A real life example - my daughter on Obamacare needed her gall bladder removed. She had a choice of surgeons you could count on one hand. On my wife's policy the choice was almost 50.HurstLlama said:
Thanks for that Mr. T.. I have absolutely no idea what "in-network" means. However, if it is the difference between, to use your example, a maximum bill of $2,500 and an unlimited bill then I think something is very wrong.MTimT said:
My guess is that your gaming friend received his treatment 'out of network'. When you do that, your co-pay is increased (depends on the policy) and there is no absolute cap on your responsibilities.HurstLlama said:
Well, I for one don't understand the US Health system. A friend of mine, a Brit, was taken ill was on holiday in Texas. She was whipped into the local A&E, diagnosed had surgery, a short recovery period (no more/less than she needed), all round spiffing treatment and was given a bill in exchange for which she gave her holiday insurance details and that was that. Except weeks after she got a letter from the hospital saying the insurance company were refusing to pay up, she filed the letter in File 13 and never heard another word from anyone.FrancisUrquhart said:
I know...it was a joke.Tim_B said:
Doesn't matter - if you present at ER they have to treat you regardless of insurance. One reason the ER is such an expense to hospitals.FrancisUrquhart said:Suspect been shot and injured and being taken away in an ambulance. Police also been shot.
Hope his medical insurance is up to date....
I think a large percentage of British public think that they wouldn't see you at ER without them first swiping your credit card.
On the other hand one of my gaming partners and a US citizen was a few months ago diagnosed with a cancer, surgery seems to have sorted it, but none of the follow up treatment/drugs that one would expect from the NHS, as when my wife had her cancer. His life savings are now gone and he is having to hand over a significant chunk of his pension every month, probably for the rest of his life, to settle the debt because of some small print clause in his health insurance.
I'll moan about the NHS with the best of them and, God knows, I have had good reason to do so, but I think I prefer it to being in the hands of the modern insurance industry. Bankers are noble citizens compared to the thieving toerags who run insurance companies.
When my wife was diagnosed with cancer, we made sure all her providers were 'in-network' so her absolute cap is $2500. Which is just as well, as the chemo drugs came to around $20,000 per session.0 -
A bank deposit?Charles said:
What else would you call lending money to people who don't need it?HurstLlama said:
Sorry, Mr. Charles. I didn't know you or your family were in the insurance business.Charles said:
*ahem*HurstLlama said:Bankers are noble citizens compared to the thieving toerags who run insurance companies.
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To be honest, unless legally required, I prefer to self-insureweejonnie said:
As an insurance broker, I naturally decry that.Charles said:
What else would you call lending money to people who don't need it?HurstLlama said:
Sorry, Mr. Charles. I didn't know you or your family were in the insurance business.Charles said:
*ahem*HurstLlama said:Bankers are noble citizens compared to the thieving toerags who run insurance companies.
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I have a bag of polenta, left over from a recipe I did ages ago (it's actually ok provided it's a side to something extremely tasty, so that its blandness is a welcome change). The only real use I have found for it is adding a spoonful to breakmaking; it gives the bread a nice yellow colour and doesn't seem to make any other difference at all.FrancisUrquhart said:
Its what I imagine Jezza has for his dinner...given he is "anti-sugar" and so doesn't have a favourite biscuit.IanB2 said:
Polenta is dust, or almost.FrancisUrquhart said:
Or polenta.....MTimT said:
Or more like faro? Thanks to the wife, we have all three in the cupboard (collecting dust).williamglenn said:
It's like quinoa.MTimT said:
Who is Spelt and why is (s)he wrong?David_Evershed said:
.....spelt wrongly......BannedInParis said:UkUncut.
Well, that's spelt wrong for a start.0 -
A flock of turkeys or a gaggle of geese, take your pickPulpstar said:
Do you seriously think he'll be a candidate for those if they take place.Jonathan said:
Next year's contest and the one after that.Pulpstar said:You can back Owen Smith at around 50s for the contest (~ 2% chance) and lay him around 16s for the leadership (6% chance)
Quite why he has double the chance of becoming next Labour leader through not winning the contest rather than actually winning it I don't know.
Yvette Cooper didn't chuck her hat in the ring this time -
Stephen Kinnock, Maria Eagle, Benn, Jarvis and plenty of others still to have a pop.0 -
Following Johnson putting in a strong bid for Even Worse 2016 Presidential Candidate, we've got an impressive effort by Stein, who won't sleep in hotel beds because they might have dangerou chemicals and who thinks Clinton is more dangeous than Trump.
http://www.politico.com/story/2016/09/jill-stein-trump-may-have-memory-problem-228346
Why isn't TimT standing? He'd be head and shoulders above this field.0 -
Rescission, the retro-active removal of cover by health insurance companies , used to be a massive problem. When buying the insurance you'd have to fill in reams of personal info and family history - the insurance companies would have teams of people ready to scour the docs to find any error no matter how trivial and revoke the insurance if you came to claim for a chronic condition. The Obamacare changes around Rescission were an important thing.Animal_pb said:
The health insurance sector is a little different, though. You find a few bad apples scattered around the other insurance segments, but the health insurance industry seems to be built around denial/challenge of claims as part of its core business model. Much as I think there are things to improve about the NHS, it does seem a better option (and, if you want to be coldly rational about it, you can point at the reduced personal uncertainty re: health spending encouraging higher marginal rates of consumption in the populace, ergo militating towards higher overall economic growth rates).0 -
The 'low unemployment' is basically rather a lot of people on very low incomes who have seen their standard of living fall over the last 15 years.rkrkrk said:
Demographics; low unemployment; Obama approval rate over 50℅; 2015 the biggest increase in median wage ever; lowest ever uninsured rate... Take your pick?williamglenn said:
If Obama is campaigning in PA then they obviously don't think it's safe.weejonnie said:
It looks as if PA is safely HRC - so Trump's reduced to the Colorado/ Michigan/ Wisconsin / New Hampshire route (Nevada has gone pink). But the thing is - he needs the others (North Carolina/ Florida/ Ohio/ Iowa), none of which are gimmees.Tim_B said:
I see what the polls say, but you campaign where you need to, where it'll make a difference, not where you're safely ahead.DavidL said:
But look at the polling to date: http://www.realclearpolitics.com/epolls/2016/president/pa/pennsylvania_trump_vs_clinton_vs_johnson_vs_stein-5964.htmlTim_B said:
Hillary has had Obama campaigning for her in PA last week.That's a sign that PA is competitive.DavidL said:
The Pennsylvania one is interesting because it is by a Democratic leaning pollster who has Hillary ahead by 9 nationally. If Penn does become competitive, and there is no sign of that till now, the FOP that @JackW has been going on about is distinctly possible.weejonnie said:
You have to refresh the 'updates page http://projects.fivethirtyeight.com/2016-election-forecast/updates/ the top 3 are Monday 10.30 EDT (3.30pm)Alistair said:
I'm totally not seeing any of these polls on 538, could you link?weejonnie said:Weird - we have two National Polls on 538
Poll 1 : Trump +7 (LV)
Poll 2: Clinton +9 (AV)
Is this a record divergence?
(And a Pennsylvania - Trump +1)
This is either a very big move or a rogue poll.
Is there any metric other than polling that would suggest this will be Hillary's year?
I suppose Clinton can always tell them to eat Big Macs if they can't afford proper food.
"Since 2008, the labor participation rate has fallen from a high of 67.3% in 2000 to 62.6% today. That 62.2% represents a 38-year low, which puts Bloomberg’s claim of a 42-year-low in joblessness in perspective. The jobless number is “low” only because more people are no longer considered to be participating in the workforce."0 -
It was a peculiar stage...Charles said:
As it "Gee, Faro's an odd name for a bank, Wells"Tim_B said:
I thought Faro was a card game played in gambling establishments in the Old West? The Earp brothers were expert players.MTimT said:
Or more like faro? Thanks to the wife, we have all three in the cupboard (collecting dust).williamglenn said:
It's like quinoa.MTimT said:
Who is Spelt and why is (s)he wrong?David_Evershed said:
.....spelt wrongly......BannedInParis said:UkUncut.
Well, that's spelt wrong for a start.0 -
His attitude to sugar is however probably ahead of the curve.FrancisUrquhart said:
The guy is a total tool. On evidence displayed he was very lucky to even get 2 x E's at A-level.williamglenn said:
The full quote was even funnier. He said he doesn't eat biscuits because he's anti-sugar, but if forced to take one he likes shortbread.FrancisUrquhart said:
Its what I imagine Jezza has for his dinner...given he is "anti-sugar" and so doesn't have a favourite biscuit.IanB2 said:
Polenta is dust, or almost.FrancisUrquhart said:
Or polenta.....MTimT said:
Or more like faro? Thanks to the wife, we have all three in the cupboard (collecting dust).williamglenn said:
It's like quinoa.MTimT said:
Who is Spelt and why is (s)he wrong?David_Evershed said:
.....spelt wrongly......BannedInParis said:UkUncut.
Well, that's spelt wrong for a start.0 -
On the NHS you have a choice of 1, drawn from a pool of competent surgeons, which is all you need.Tim_B said:
Think of it like car insurers having approved repair centers. A real life example - my daughter on Obamacare needed her gall bladder removed. She had a choice of surgeons you could count on one hand. On my wife's policy the choice was almost 50.HurstLlama said:
Thanks for that Mr. T.. I have absolutely no idea what "in-network" means. However, if it is the difference between, to use your example, a maximum bill of $2,500 and an unlimited bill then I think something is very wrong.MTimT said:
My guess is that your gaming friend received his treatment 'out of network'. When you do that, your co-pay is increased (depends on the policy) and there is no absolute cap on your responsibilities.HurstLlama said:
Well, I for one don't understand the US Health system. A friend of mine, a Brit, was taken ill was on holiday in Texas. She was whipped into the local A&E, diagnosed had surgery, a short recovery period (no more/less than she needed), all round spiffing treatment and was given a bill in exchange for which she gave her holiday insurance details and that was that. Except weeks after she got a letter from the hospital saying the insurance company were refusing to pay up, she filed the letter in File 13 and never heard another word from anyone.FrancisUrquhart said:
I know...it was a joke.Tim_B said:
Doesn't matter - if you present at ER they have to treat you regardless of insurance. One reason the ER is such an expense to hospitals.FrancisUrquhart said:Suspect been shot and injured and being taken away in an ambulance. Police also been shot.
Hope his medical insurance is up to date....
I think a large percentage of British public think that they wouldn't see you at ER without them first swiping your credit card.
I'll moan about the NHS with the best of them and, God knows, I have had good reason to do so, but I think I prefer it to being in the hands of the modern insurance industry. Bankers are noble citizens compared to the thieving toerags who run insurance companies.
When my wife was diagnosed with cancer, we made sure all her providers were 'in-network' so her absolute cap is $2500. Which is just as well, as the chemo drugs came to around $20,000 per session.
If you want James Robertson Justice to do it personally because you think he is the best then you pay him.
Seems logical?0 -
More like a suicide of lemmingsmalcolmg said:
A flock of turkeys or a gaggle of geese, take your pickPulpstar said:
Do you seriously think he'll be a candidate for those if they take place.Jonathan said:
Next year's contest and the one after that.Pulpstar said:You can back Owen Smith at around 50s for the contest (~ 2% chance) and lay him around 16s for the leadership (6% chance)
Quite why he has double the chance of becoming next Labour leader through not winning the contest rather than actually winning it I don't know.
Yvette Cooper didn't chuck her hat in the ring this time -
Stephen Kinnock, Maria Eagle, Benn, Jarvis and plenty of others still to have a pop.0 -
What as he dunks his shortbread into his fair trade hemp latte....IanB2 said:
His attitude to sugar is however probably ahead of the curve.FrancisUrquhart said:
The guy is a total tool. On evidence displayed he was very lucky to even get 2 x E's at A-level.williamglenn said:
The full quote was even funnier. He said he doesn't eat biscuits because he's anti-sugar, but if forced to take one he likes shortbread.FrancisUrquhart said:
Its what I imagine Jezza has for his dinner...given he is "anti-sugar" and so doesn't have a favourite biscuit.IanB2 said:
Polenta is dust, or almost.FrancisUrquhart said:
Or polenta.....MTimT said:
Or more like faro? Thanks to the wife, we have all three in the cupboard (collecting dust).williamglenn said:
It's like quinoa.MTimT said:
Who is Spelt and why is (s)he wrong?David_Evershed said:
.....spelt wrongly......BannedInParis said:UkUncut.
Well, that's spelt wrong for a start.0 -
Not a citizen, not US born. Other than that, sure.NickPalmer said:Following Johnson putting in a strong bid for Even Worse 2016 Presidential Candidate, we've got an impressive effort by Stein, who won't sleep in hotel beds because they might have dangerou chemicals and who thinks Clinton is more dangeous than Trump.
http://www.politico.com/story/2016/09/jill-stein-trump-may-have-memory-problem-228346
Why isn't TimT standing? He'd be head and shoulders above this field.
PS Thanks for the vote of confidence, Nick.0 -
We can't instruct HM to appoint you Governor?MTimT said:
Not a citizen, not US born. Other than that, sure.NickPalmer said:Following Johnson putting in a strong bid for Even Worse 2016 Presidential Candidate, we've got an impressive effort by Stein, who won't sleep in hotel beds because they might have dangerou chemicals and who thinks Clinton is more dangeous than Trump.
http://www.politico.com/story/2016/09/jill-stein-trump-may-have-memory-problem-228346
Why isn't TimT standing? He'd be head and shoulders above this field.
PS Thanks for the vote of confidence, Nick.0 -
Yes, median incomes are still 2.9% below 1999 levels taking into account of inflation even with these increases.RobD said:
I thought median wages (adjusted for inflation) had been stagnant for donkeys years in the US?rkrkrk said:
Demographics; low unemployment; Obama approval rate over 50℅; 2015 the biggest increase in median wage ever; lowest ever uninsured rate... Take your pick?williamglenn said:
If Obama is campaigning in PA then they obviously don't think it's safe.weejonnie said:
It looks as if PA is safely HRC - so Trump's reduced to the Colorado/ Michigan/ Wisconsin / New Hampshire route (Nevada has gone pink). But the thing is - he needs the others (North Carolina/ Florida/ Ohio/ Iowa), none of which are gimmees.Tim_B said:
I see what the polls say, but you campaign where you need to, where it'll make a difference, not where you're safely ahead.DavidL said:
But look at the polling to date: http://www.realclearpolitics.com/epolls/2016/president/pa/pennsylvania_trump_vs_clinton_vs_johnson_vs_stein-5964.htmlTim_B said:
Hillary has had Obama campaigning for her in PA last week.That's a sign that PA is competitive.DavidL said:
The Pennsylvania one is interesting because it is by a Democratic leaning pollster who has Hillary ahead by 9 nationally. If Penn does become competitive, and there is no sign of that till now, the FOP that @JackW has been going on about is distinctly possible.weejonnie said:
You have to refresh the 'updates page http://projects.fivethirtyeight.com/2016-election-forecast/updates/ the top 3 are Monday 10.30 EDT (3.30pm)Alistair said:
I'm totally not seeing any of these polls on 538, could you link?weejonnie said:Weird - we have two National Polls on 538
Poll 1 : Trump +7 (LV)
Poll 2: Clinton +9 (AV)
Is this a record divergence?
(And a Pennsylvania - Trump +1)
This is either a very big move or a rogue poll.
Is there any metric other than polling that would suggest this will be Hillary's year?0 -
You are probably the only person who got that, highly specific, joke...Tim_B said:
It was a peculiar stage...Charles said:
As it "Gee, Faro's an odd name for a bank, Wells"Tim_B said:
I thought Faro was a card game played in gambling establishments in the Old West? The Earp brothers were expert players.MTimT said:
Or more like faro? Thanks to the wife, we have all three in the cupboard (collecting dust).williamglenn said:
It's like quinoa.MTimT said:
Who is Spelt and why is (s)he wrong?David_Evershed said:
.....spelt wrongly......BannedInParis said:UkUncut.
Well, that's spelt wrong for a start.0 -
In addition, in something like 35 out of the 50 states, median income is still lower now than it was in 2008.weejonnie said:
The 'low unemployment' is basically rather a lot of people on very low incomes who have seen their standard of living fall over the last 15 years.rkrkrk said:
Demographics; low unemployment; Obama approval rate over 50℅; 2015 the biggest increase in median wage ever; lowest ever uninsured rate... Take your pick?williamglenn said:
If Obama is campaigning in PA then they obviously don't think it's safe.weejonnie said:
It looks as if PA is safely HRC - so Trump's reduced to the Colorado/ Michigan/ Wisconsin / New Hampshire route (Nevada has gone pink). But the thing is - he needs the others (North Carolina/ Florida/ Ohio/ Iowa), none of which are gimmees.Tim_B said:
I see what the polls say, but you campaign where you need to, where it'll make a difference, not where you're safely ahead.DavidL said:
But look at the polling to date: http://www.realclearpolitics.com/epolls/2016/president/pa/pennsylvania_trump_vs_clinton_vs_johnson_vs_stein-5964.htmlTim_B said:
Hillary has had Obama campaigning for her in PA last week.That's a sign that PA is competitive.DavidL said:
The Pennsylvania one is interesting because it is by a Democratic leaning pollster who has Hillary ahead by 9 nationally. If Penn does become competitive, and there is no sign of that till now, the FOP that @JackW has been going on about is distinctly possible.weejonnie said:
You have to refresh the 'updates page http://projects.fivethirtyeight.com/2016-election-forecast/updates/ the top 3 are Monday 10.30 EDT (3.30pm)Alistair said:
I'm totally not seeing any of these polls on 538, could you link?weejonnie said:Weird - we have two National Polls on 538
Poll 1 : Trump +7 (LV)
Poll 2: Clinton +9 (AV)
Is this a record divergence?
(And a Pennsylvania - Trump +1)
This is either a very big move or a rogue poll.
Is there any metric other than polling that would suggest this will be Hillary's year?
I suppose Clinton can always tell them to eat Big Macs if they can't afford proper food.
"Since 2008, the labor participation rate has fallen from a high of 67.3% in 2000 to 62.6% today. That 62.2% represents a 38-year low, which puts Bloomberg’s claim of a 42-year-low in joblessness in perspective. The jobless number is “low” only because more people are no longer considered to be participating in the workforce."0 -
Organisers of Momentum Kids, which hopes to expand across the group's 150 local branches, said it would "create a space for questioning, curious children where we can listen to them and give them a voice".
http://www.bbc.co.uk/news/uk-politics-37406657
Questioning...as in as long it doesn't question why Uncle Ken doesn't like the Jews? Or why everybody not attending is Tory Scum, even Aunty Sally a life long Labour Party member...0 -
Mr. G, no option for a flange of baboons?0
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It is a deeply sinister plan. Indoctrination plain and simple.FrancisUrquhart said:Organisers of Momentum Kids, which hopes to expand across the group's 150 local branches, said it would "create a space for questioning, curious children where we can listen to them and give them a voice".
http://www.bbc.co.uk/news/uk-politics-37406657
Questioning...as in as long it doesn't question why Uncle Ken doesn't like the Jews? Or why everybody not attending is Tory Scum, even Aunty Sally a life long Labour Party member...0 -
I'd like to choose my own surgeon thanks.Paul_Bedfordshire said:
On the NHS you have a choice of 1, drawn from a pool of competent surgeons, which is all you need.Tim_B said:
Think of it like car insurers having approved repair centers. A real life example - my daughter on Obamacare needed her gall bladder removed. She had a choice of surgeons you could count on one hand. On my wife's policy the choice was almost 50.HurstLlama said:
Thanks for that Mr. T.. I have absolutely no idea what "in-network" means. However, if it is the difference between, to use your example, a maximum bill of $2,500 and an unlimited bill then I think something is very wrong.MTimT said:
My guess is that your gaming friend received his treatment 'out of network'. When you do that, your co-pay is increased (depends on the policy) and there is no absolute cap on your responsibilities.HurstLlama said:
Well, I for one don't understand the US Health system. A friend of mine, a Brit, was taken ill was on holiday in Texas. She was whipped into the local A&E, diagnosed had surgery, a short recovery period (no more/less than she needed), all round spiffing treatment and was given a bill in exchange for which she gave her holiday insurance details and that was that. Except weeks after she got a letter from the hospital saying the insurance company were refusing to pay up, she filed the letter in File 13 and never heard another word from anyone.FrancisUrquhart said:
I know...it was a joke.Tim_B said:
Doesn't matter - if you present at ER they have to treat you regardless of insurance. One reason the ER is such an expense to hospitals.FrancisUrquhart said:Suspect been shot and injured and being taken away in an ambulance. Police also been shot.
Hope his medical insurance is up to date....
I think a large percentage of British public think that they wouldn't see you at ER without them first swiping your credit card.
I'll moan about the NHS with the best of them and, God knows, I have had good reason to do so, but I think I prefer it to being in the hands of the modern insurance industry. Bankers are noble citizens compared to the thieving toerags who run insurance companies.
When my wife was diagnosed with cancer, we made sure all her providers were 'in-network' so her absolute cap is $2500. Which is just as well, as the chemo drugs came to around $20,000 per session.
If you want James Robertson Justice to do it personally because you think he is the best then you pay him.
Seems logical?0 -
Me too. I presume the stage passed through North Dakota.Charles said:
You are probably the only person who got that, highly specific, joke...Tim_B said:
It was a peculiar stage...Charles said:
As it "Gee, Faro's an odd name for a bank, Wells"Tim_B said:
I thought Faro was a card game played in gambling establishments in the Old West? The Earp brothers were expert players.MTimT said:
Or more like faro? Thanks to the wife, we have all three in the cupboard (collecting dust).williamglenn said:
It's like quinoa.MTimT said:
Who is Spelt and why is (s)he wrong?David_Evershed said:
.....spelt wrongly......BannedInParis said:UkUncut.
Well, that's spelt wrong for a start.0 -
The other thing about the NHS is that it is geared to avoid unnecessary treatment and do the treatment it has to do as cheaply as possible because they have a fixed budget and if they do too much they go into a loss.
In countries with private healthcare the more treatment or prescriptions they can persuade you have and the more expensive treatment or prescriptions they can persuade you to have, the more they earn so costs rise inexorably (as has happened in the UK with vets since some bright spark invented pet health insurance).
The result is an ever higher portion of peoples income being spent on health, and an ever rising number of health workers and rising salaries.
Eventually the health insurance system progressively collapses (as is starting to happen now with UK pet health insurance - although you obviously cant decide sod it and put people down if they get an expensive illness).
I doubt you will find many people who have to deal with modern vets at all keen on getting rid of the NHS.0 -
Indeed; and it's noticeable that a number of providers have withdrawn from the 'regional marketplace' arrangements that allow access to cover.Alistair said:
Rescission, the retro-active removal of cover by health insurance companies , used to be a massive problem. When buying the insurance you'd have to fill in reams of personal info and family history - the insurance companies would have teams of people ready to scour the docs to find any error no matter how trivial and revoke the insurance if you came to claim for a chronic condition. The Obamacare changes around Rescission were an important thing.Animal_pb said:
The health insurance sector is a little different, though. You find a few bad apples scattered around the other insurance segments, but the health insurance industry seems to be built around denial/challenge of claims as part of its core business model. Much as I think there are things to improve about the NHS, it does seem a better option (and, if you want to be coldly rational about it, you can point at the reduced personal uncertainty re: health spending encouraging higher marginal rates of consumption in the populace, ergo militating towards higher overall economic growth rates).
With respect to Tim_B's point, I'm happy that you've never had a problem with your insurance, but looking at the industry from the inside, health insurers are a different breed. "Good faith", the cornerstone of the industry, is not a concept that feels terribly safe in their hands.0 -
I'm so smart I make TimT look like a frigging genius.Charles said:
You are probably the only person who got that, highly specific, joke...Tim_B said:
It was a peculiar stage...Charles said:
As it "Gee, Faro's an odd name for a bank, Wells"Tim_B said:
I thought Faro was a card game played in gambling establishments in the Old West? The Earp brothers were expert players.MTimT said:
Or more like faro? Thanks to the wife, we have all three in the cupboard (collecting dust).williamglenn said:
It's like quinoa.MTimT said:
Who is Spelt and why is (s)he wrong?David_Evershed said:
.....spelt wrongly......BannedInParis said:UkUncut.
Well, that's spelt wrong for a start.
0 -
Except in winter. That gets difficult.MTimT said:
Me too. I presume the stage passed through North Dakota.Charles said:
You are probably the only person who got that, highly specific, joke...Tim_B said:
It was a peculiar stage...Charles said:
As it "Gee, Faro's an odd name for a bank, Wells"Tim_B said:
I thought Faro was a card game played in gambling establishments in the Old West? The Earp brothers were expert players.MTimT said:
Or more like faro? Thanks to the wife, we have all three in the cupboard (collecting dust).williamglenn said:
It's like quinoa.MTimT said:
Who is Spelt and why is (s)he wrong?David_Evershed said:
.....spelt wrongly......BannedInParis said:UkUncut.
Well, that's spelt wrong for a start.0 -
Using 'Tory XXXX' as an insult is a theme of the left in much of the English speaking world, its still common in both Canada and Australia, and for a time it was in Texas.williamglenn said:All of this would have been avoided if Hillary had instead said that Trump's supporters were a load of 'Tory scum'.
Then the US media spotlight would have been turned on UK Labour and Momentum and she would have sailed into the White House on the back of a Corbyn inspired mass movement sweeping across the US.
https://en.wikipedia.org/wiki/Tory
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The stat that always boggles my mind is the US spend more public money per person on healthcare than the UK does.Paul_Bedfordshire said:The other thing about the NHS is that it is geared to avoid unnecessary treatment and do the treatment it has to do as cheaply as possible because they have a fixed budget and if they do too much they go into a loss.
In countries with private healthcare the more treatment or prescriptions they can persuade you have and the more expensive treatment or prescriptions they can persuade you to have, the more they earn so costs rise inexorably (as has happened in the UK since some bright spark invented animal health insurance).
The result is an ever higher portion of peoples income being spent on health, and an ever rising number of health workers and rising salaries.
Eventually the health insurance system progressively collapses (as is starting to happen now with UK pet health insurance - although you obviously cant decide sod it and put people down if they get an expensive illness).0 -
Mr. Simon, nonsense. There's nothing to fear from giving your children to Jezbollah.
If you're good, they'll even give them back.0 -
They are not as bright as baboons MDMorris_Dancer said:Mr. G, no option for a flange of baboons?
0 -
Indeed, I went to a competent surgeon for my first cataract which resulted in him dropping the lens into my eye, resulting in agony for a week (interocular pressure of 55 vs a normal 14-16) until I could get a vitrectomy. I was very pleased to be able to chose a different surgeon for the other cataract.Tim_B said:
I'd like to choose my own surgeon thanks.Paul_Bedfordshire said:
On the NHS you have a choice of 1, drawn from a pool of competent surgeons, which is all you need.
If you want James Robertson Justice to do it personally because you think he is the best then you pay him.
Seems logical?
I guess all the kids who went through Bristol Royal Infirmary were told they were getting competent surgeons.0 -
I read it as like Blair "I'm listening", which results in no real change. I took it that she is really just saying the Germans failed to plan well enough, not that her policy is wrong in general.SeanT said:I'm in Peru and haven't read a thread in yonks. But I'm surprised you're not (still?) discussing this. Merkel finally admits her refugee policy might have been an error.
http://www.theguardian.com/world/2016/sep/19/angela-merkel-admits-mistakes-asylum-seekers-election?CMP=Share_iOSApp_Other
I'll say. Possibly the greatest error in postwar German politics. Inter alia, it led fairly directly to Brexit.0 -
Or why am I being asked if I've ever seen a grown man naked?FrancisUrquhart said:Organisers of Momentum Kids, which hopes to expand across the group's 150 local branches, said it would "create a space for questioning, curious children where we can listen to them and give them a voice".
http://www.bbc.co.uk/news/uk-politics-37406657
Questioning...as in as long it doesn't question why Uncle Ken doesn't like the Jews? Or why everybody not attending is Tory Scum, even Aunty Sally a life long Labour Party member...0 -
Hard to think of a worse insultBigRich said:
Using 'Tory XXXX' as an insult is a theme of the left in much of the English speaking world, its still common in both Canada and Australia, and for a time it was in Texas.williamglenn said:All of this would have been avoided if Hillary had instead said that Trump's supporters were a load of 'Tory scum'.
Then the US media spotlight would have been turned on UK Labour and Momentum and she would have sailed into the White House on the back of a Corbyn inspired mass movement sweeping across the US.
https://en.wikipedia.org/wiki/Tory0 -
MTimT said:
If life expectancy increases faster than the retirement age does it not stand to reason that the economically active percentage will fall? Or am I missing something?weejonnie said:
In addition, in something like 35 out of the 50 states, median income is still lower now than it was in 2008.rkrkrk said:
The 'low unemployment' is basically rather a lot of people on very low incomes who have seen their standard of living fall over the last 15 years.williamglenn said:
Demographics; low unemployment; Obama approval rate over 50℅; 2015 the biggest increase in median wage ever; lowest ever uninsured rate... Take your pick?weejonnie said:
If Obama is campaigning in PA then they obviously don't think it's safe.Tim_B said:
It looks as if PA is safely HRC - so Trump's reduced to the Colorado/ Michigan/ Wisconsin / New Hampshire route (Nevada has gone pink). But the thing is - he needs the others (North Carolina/ Florida/ Ohio/ Iowa), none of which are gimmees.DavidL said:
I see what the polls say, but you campaign where you need to, where it'll make a difference, not where you're safely ahead.Tim_B said:
But look at the polling to date: http://www.realclearpolitics.com/epolls/2016/president/pa/pennsylvania_trump_vs_clinton_vs_johnson_vs_stein-5964.htmlDavidL said:
Hillary has had Obama campaigning for her in PA last week.That's a sign that PA is competitive.weejonnie said:
The Pennsylvania one is interesting because it is by a Democratic leaning pollster who has Hillary ahead by 9 nationally. If Penn does become competitive, and there is no sign of that till now, the FOP that @JackW has been going on about is distinctly possible.Alistair said:
You have to refresh the 'updates page http://projects.fivethirtyeight.com/2016-election-forecast/updates/ the top 3 are Monday 10.30 EDT (3.30pm)weejonnie said:link?
This is either a very big move or a rogue poll.
Is there any metric other than polling that would suggest this will be Hillary's year?
I suppose Clinton can always tell them to eat Big Macs if they can't afford proper food.
"Since 2008, the labor participation rate has fallen from a high of 67.3% in 2000 to 62.6% today. That 62.2% represents a 38-year low, which puts Bloomberg’s claim of a 42-year-low in joblessness in perspective. The jobless number is “low” only because more people are no longer considered to be participating in the workforce."0 -
Efficiency and effectiveness are two different things. I don't think anyone would argue that US healthcare provision is efficient.Alistair said:
The stat that always boggles my mind is the US spend more public money per person on healthcare than the UK does.Paul_Bedfordshire said:The other thing about the NHS is that it is geared to avoid unnecessary treatment and do the treatment it has to do as cheaply as possible because they have a fixed budget and if they do too much they go into a loss.
In countries with private healthcare the more treatment or prescriptions they can persuade you have and the more expensive treatment or prescriptions they can persuade you to have, the more they earn so costs rise inexorably (as has happened in the UK since some bright spark invented animal health insurance).
The result is an ever higher portion of peoples income being spent on health, and an ever rising number of health workers and rising salaries.
Eventually the health insurance system progressively collapses (as is starting to happen now with UK pet health insurance - although you obviously cant decide sod it and put people down if they get an expensive illness).0 -
The same is true in the UK - When I had private insurance I was sent for all sorts of procedures and checks (one of which actually found something unrelated but serious, by accident) which you wouldn't get under the NHS.Alistair said:
The stat that always boggles my mind is the US spend more public money per person on healthcare than the UK does.Paul_Bedfordshire said:The other thing about the NHS is that it is geared to avoid unnecessary treatment and do the treatment it has to do as cheaply as possible because they have a fixed budget and if they do too much they go into a loss.
In countries with private healthcare the more treatment or prescriptions they can persuade you have and the more expensive treatment or prescriptions they can persuade you to have, the more they earn so costs rise inexorably (as has happened in the UK since some bright spark invented animal health insurance).
The result is an ever higher portion of peoples income being spent on health, and an ever rising number of health workers and rising salaries.
Eventually the health insurance system progressively collapses (as is starting to happen now with UK pet health insurance - although you obviously cant decide sod it and put people down if they get an expensive illness).
Your statistic boggles mine also - how can that be true?0 -
That's the VA, Medicare and MedicaidAlistair said:
The stat that always boggles my mind is the US spend more public money per person on healthcare than the UK does.Paul_Bedfordshire said:The other thing about the NHS is that it is geared to avoid unnecessary treatment and do the treatment it has to do as cheaply as possible because they have a fixed budget and if they do too much they go into a loss.
In countries with private healthcare the more treatment or prescriptions they can persuade you have and the more expensive treatment or prescriptions they can persuade you to have, the more they earn so costs rise inexorably (as has happened in the UK since some bright spark invented animal health insurance).
The result is an ever higher portion of peoples income being spent on health, and an ever rising number of health workers and rising salaries.
Eventually the health insurance system progressively collapses (as is starting to happen now with UK pet health insurance - although you obviously cant decide sod it and put people down if they get an expensive illness).0 -
Tim_B said:
I'm so smart I make TimT look like a frigging genius.Charles said:
You are probably the only person who got that, highly specific, joke...Tim_B said:
It was a peculiar stage...Charles said:
As it "Gee, Faro's an odd name for a bank, Wells"Tim_B said:
I thought Faro was a card game played in gambling establishments in the Old West? The Earp brothers were expert players.MTimT said:
Or more like faro? Thanks to the wife, we have all three in the cupboard (collecting dust).williamglenn said:
It's like quinoa.MTimT said:
Who is Spelt and why is (s)he wrong?David_Evershed said:
.....spelt wrongly......BannedInParis said:UkUncut.
Well, that's spelt wrong for a start.
0 -
Mr. T, I did consider posting that but I was getting work done (bit rare in the last few days, what with F1) so concentrated on that.
It's too little, too late, though.
Mr. G, not as vicious either. After hippos and lions, baboons are the third most dangerous creatures in Africa.0 -
As Soldiers of Jeremy.Morris_Dancer said:Mr. Simon, nonsense. There's nothing to fear from giving your children to Jezbollah.
If you're good, they'll even give them back.0 -
You mean we get all our comprehensive free care for less cost than the US puts into these basic provisions?Tim_B said:
That's the VA, Medicare and MedicaidAlistair said:
The stat that always boggles my mind is the US spend more public money per person on healthcare than the UK does.Paul_Bedfordshire said:The other thing about the NHS is that it is geared to avoid unnecessary treatment and do the treatment it has to do as cheaply as possible because they have a fixed budget and if they do too much they go into a loss.
In countries with private healthcare the more treatment or prescriptions they can persuade you have and the more expensive treatment or prescriptions they can persuade you to have, the more they earn so costs rise inexorably (as has happened in the UK since some bright spark invented animal health insurance).
The result is an ever higher portion of peoples income being spent on health, and an ever rising number of health workers and rising salaries.
Eventually the health insurance system progressively collapses (as is starting to happen now with UK pet health insurance - although you obviously cant decide sod it and put people down if they get an expensive illness).0 -
Mr. Simon, not soldiers. More like the adoptive children of Uncle Jeremy, their philosophical father.
Even taking the piss, it's utterly ****ing horrendous.0 -
Tory Scum in the USA paint their chimneys black and white:BigRich said:
Using 'Tory XXXX' as an insult is a theme of the left in much of the English speaking world, its still common in both Canada and Australia, and for a time it was in Texas.williamglenn said:All of this would have been avoided if Hillary had instead said that Trump's supporters were a load of 'Tory scum'.
Then the US media spotlight would have been turned on UK Labour and Momentum and she would have sailed into the White House on the back of a Corbyn inspired mass movement sweeping across the US.
https://en.wikipedia.org/wiki/Tory
https://en.wikipedia.org/wiki/Tory#United_States?wprov=sfla1.
The use of Tory is apparently short hand for 'the abhorrers' which is not far off deplorables0 -
Yes. In the US, immigration keeps the rise in percentage of OAPs lower than in countries without large-scale immigration. I'd be surprised if the UK has not witnessed the same since the massive increase in immigration there over the past decade.DavidL said:If life expectancy increases faster than the retirement age does it not stand to reason that the economically active percentage will fall? Or am I missing something?
0 -
You had better keep it away from the Enormo Haddock!!rottenborough said:
Oh, that sounds a good app. Can I get one?FrancisUrquhart said:
OGH one does when it gets close to Kippers....rottenborough said:
Does it hiss?MikeSmithson said:
I've had a OnePlus 3 for a month and it is as sensational as people say. It is the only smartphone to have 6GB RAM which makes it amazingly fast. Everything just works instantly.rcs1000 said:
1. Fabulous build quality. It really feels as good as an iPhone in terms of how it's made, really premium.FrancisUrquhart said:
What is so good about the OnePlus 3? I know little about it, other than they had some viral marketing campaign.rcs1000 said:Two quick discussion points:
1. Anyone buying an Android phone that's not the new OnePlus 3 is a fool*.
2. Did Diane James really say that - alongside Churchill and Thatcher - Putin was one of her heroes?
* OK, maybe foolish, rather than a fool.
2. It's got a clean Android build, with no bloat. And it has 7mb of RAM, so it absolutely flies. It's the only Android phone I know that makes my iPhone feel slow.
3. It's £320. That's half the price of an iPhone or a Samsung or an HTC.
Its Dash charging system outperforms by a big margin other fast chargers..
Its lovely to hold and the screen is a gem. Fantastic.
0 -
I suspect there is an undercurrent of "government:Good - Private:Bad" here, and heaven forfend there might be a 'profit' involved. That very concept is inconceivable to some. (an inconceivable concept - what a concept!)MTimT said:
Indeed, I went to a competent surgeon for my first cataract which resulted in him dropping the lens into my eye, resulting in agony for a week (interocular pressure of 55 vs a normal 14-16) until I could get a vitrectomy. I was very pleased to be able to chose a different surgeon for the other cataract.Tim_B said:
I'd like to choose my own surgeon thanks.Paul_Bedfordshire said:
On the NHS you have a choice of 1, drawn from a pool of competent surgeons, which is all you need.
If you want James Robertson Justice to do it personally because you think he is the best then you pay him.
Seems logical?
I guess all the kids who went through Bristol Royal Infirmary were told they were getting competent surgeons.0 -
That puts me in mind of Children of the Corn.oxfordsimon said:
As Soldiers of Jeremy.Morris_Dancer said:Mr. Simon, nonsense. There's nothing to fear from giving your children to Jezbollah.
If you're good, they'll even give them back.0 -
The comparison should not be with the US but with the rest of the first world which genetallt have far better health services which are still free at the point of delivery.IanB2 said:
You mean we get all our comprehensive free care for less cost than the US puts into these basic provisions?Tim_B said:
That's the VA, Medicare and MedicaidAlistair said:
The stat that always boggles my mind is the US spend more public money per person on healthcare than the UK does.Paul_Bedfordshire said:The other thing about the NHS is that it is geared to avoid unnecessary treatment and do the treatment it has to do as cheaply as possible because they have a fixed budget and if they do too much they go into a loss.
In countries with private healthcare the more treatment or prescriptions they can persuade you have and the more expensive treatment or prescriptions they can persuade you to have, the more they earn so costs rise inexorably (as has happened in the UK since some bright spark invented animal health insurance).
The result is an ever higher portion of peoples income being spent on health, and an ever rising number of health workers and rising salaries.
Eventually the health insurance system progressively collapses (as is starting to happen now with UK pet health insurance - although you obviously cant decide sod it and put people down if they get an expensive illness).0 -
US healthcare is massively inefficient. Hospitals being paid by dozens upon dozens of different insurance companies (and millions of individuals who are uninsured) means vast sums of money are lost to a Kafkaesque bureaucracy.IanB2 said:
The same is true in the UK - When I had private insurance I was sent for all sorts of procedures and checks (one of which actually found something unrelated but serious, by accident) which you wouldn't get under the NHS.Alistair said:
The stat that always boggles my mind is the US spend more public money per person on healthcare than the UK does.Paul_Bedfordshire said:The other thing about the NHS is that it is geared to avoid unnecessary treatment and do the treatment it has to do as cheaply as possible because they have a fixed budget and if they do too much they go into a loss.
In countries with private healthcare the more treatment or prescriptions they can persuade you have and the more expensive treatment or prescriptions they can persuade you to have, the more they earn so costs rise inexorably (as has happened in the UK since some bright spark invented animal health insurance).
The result is an ever higher portion of peoples income being spent on health, and an ever rising number of health workers and rising salaries.
Eventually the health insurance system progressively collapses (as is starting to happen now with UK pet health insurance - although you obviously cant decide sod it and put people down if they get an expensive illness).
Your statistic boggles mine also - how can that be true?
Also Medicare/aid is banned by law from negotiating with drugs companies on medication price - they just have to take the market rate.0 -
There's nothing remotely 'basic' about the VA.IanB2 said:
You mean we get all our comprehensive free care for less cost than the US puts into these basic provisions?Tim_B said:
That's the VA, Medicare and MedicaidAlistair said:
The stat that always boggles my mind is the US spend more public money per person on healthcare than the UK does.Paul_Bedfordshire said:The other thing about the NHS is that it is geared to avoid unnecessary treatment and do the treatment it has to do as cheaply as possible because they have a fixed budget and if they do too much they go into a loss.
In countries with private healthcare the more treatment or prescriptions they can persuade you have and the more expensive treatment or prescriptions they can persuade you to have, the more they earn so costs rise inexorably (as has happened in the UK since some bright spark invented animal health insurance).
The result is an ever higher portion of peoples income being spent on health, and an ever rising number of health workers and rising salaries.
Eventually the health insurance system progressively collapses (as is starting to happen now with UK pet health insurance - although you obviously cant decide sod it and put people down if they get an expensive illness).0 -
The U.K. has experienced the same - not only is almost all of our recorded growth since the 2007/8 crisis down to the working age population increase from immigration (GDP per head has risen hardly at all), but our forward outlook is more positive than those countries where the level of immigration is lower and hence their populations are aging more rapidly. I believe it is roughly true that life expectancy is rising by about twenty minutes every hour. If you were born in 1916 your chance of making it to 2016 was about 3%, for this year's children it is (currently) 50/50 that they'll see 2116.MTimT said:
Yes. In the US, immigration keeps the rise in percentage of OAPs lower than in countries without large-scale immigration. I'd be surprised if the UK has not witnessed the same since the massive increase in immigration there over the past decade.DavidL said:If life expectancy increases faster than the retirement age does it not stand to reason that the economically active percentage will fall? Or am I missing something?
0 -
Mr. Brackenbury, why? The enormo-haddock are wonderful creatures.0
-
Only your second point would appear to involve public money?Alistair said:
US healthcare is massively inefficient. Hospitals being paid by dozens upon dozens of different insurance companies (and millions of individuals who are uninsured) means vast sums of money are lost to a Kafkaesque bureaucracy.IanB2 said:
The same is true in the UK - When I had private insurance I was sent for all sorts of procedures and checks (one of which actually found something unrelated but serious, by accident) which you wouldn't get under the NHS.Alistair said:
The stat that always boggles my mind is the US spend more public money per person on healthcare than the UK does.Paul_Bedfordshire said:The other thing about the NHS is that it is geared to avoid unnecessary treatment and do the treatment it has to do as cheaply as possible because they have a fixed budget and if they do too much they go into a loss.
In countries with private healthcare the more treatment or prescriptions they can persuade you have and the more expensive treatment or prescriptions they can persuade you to have, the more they earn so costs rise inexorably (as has happened in the UK since some bright spark invented animal health insurance).
The result is an ever higher portion of peoples income being spent on health, and an ever rising number of health workers and rising salaries.
Eventually the health insurance system progressively collapses (as is starting to happen now with UK pet health insurance - although you obviously cant decide sod it and put people down if they get an expensive illness).
Your statistic boggles mine also - how can that be true?
Also Medicare/aid is banned by law from negotiating with drugs companies on medication price - they just have to take the market rate.
What exactly is VA?0 -
Veterans' Affairs - medical care for former military. A cesspool of incompetence.IanB2 said:
Only your second point would appear to involve public money?Alistair said:
US healthcare is massively inefficient. Hospitals being paid by dozens upon dozens of different insurance companies (and millions of individuals who are uninsured) means vast sums of money are lost to a Kafkaesque bureaucracy.IanB2 said:
The same is true in the UK - When I had private insurance I was sent for all sorts of procedures and checks (one of which actually found something unrelated but serious, by accident) which you wouldn't get under the NHS.Alistair said:
The stat that always boggles my mind is the US spend more public money per person on healthcare than the UK does.Paul_Bedfordshire said:The other thing about the NHS is that it is geared to avoid unnecessary treatment and do the treatment it has to do as cheaply as possible because they have a fixed budget and if they do too much they go into a loss.
In countries with private healthcare the more treatment or prescriptions they can persuade you have and the more expensive treatment or prescriptions they can persuade you to have, the more they earn so costs rise inexorably (as has happened in the UK since some bright spark invented animal health insurance).
The result is an ever higher portion of peoples income being spent on health, and an ever rising number of health workers and rising salaries.
Eventually the health insurance system progressively collapses (as is starting to happen now with UK pet health insurance - although you obviously cant decide sod it and put people down if they get an expensive illness).
Your statistic boggles mine also - how can that be true?
Also Medicare/aid is banned by law from negotiating with drugs companies on medication price - they just have to take the market rate.
What exactly is VA?0 -
Of course they are, but they might react nervously to hissing apps, no?Morris_Dancer said:Mr. Brackenbury, why? The enormo-haddock are wonderful creatures.
You would need sophisticated underwater drone technology to find them would you not??0 -
The public money still has to interface with a private system that is spending a huge percentage of it's income on bureaucracy making costs for medical treatment higher than if they had a leaner administration structure.IanB2 said:
Only your second point would appear to involve public money?Alistair said:
US healthcare is massively inefficient. Hospitals being paid by dozens upon dozens of different insurance companies (and millions of individuals who are uninsured) means vast sums of money are lost to a Kafkaesque bureaucracy.IanB2 said:
The same is true in the UK - When I had private insurance I was sent for all sorts of procedures and checks (one of which actually found something unrelated but serious, by accident) which you wouldn't get under the NHS.Alistair said:
The stat that always boggles my mind is the US spend more public money per person on healthcare than the UK does.Paul_Bedfordshire said:The other thing about the NHS is that it is geared to avoid unnecessary treatment and do the treatment it has to do as cheaply as possible because they have a fixed budget and if they do too much they go into a loss.
In countries with private healthcare the more treatment or prescriptions they can persuade you have and the more expensive treatment or prescriptions they can persuade you to have, the more they earn so costs rise inexorably (as has happened in the UK since some bright spark invented animal health insurance).
The result is an ever higher portion of peoples income being spent on health, and an ever rising number of health workers and rising salaries.
Eventually the health insurance system progressively collapses (as is starting to happen now with UK pet health insurance - although you obviously cant decide sod it and put people down if they get an expensive illness).
Your statistic boggles mine also - how can that be true?
Also Medicare/aid is banned by law from negotiating with drugs companies on medication price - they just have to take the market rate.
What exactly is VA?
VA is Veterans Health Administration.0 -
Andrew Johnston - BEEF - has earned a PGA Tour card for next season. He already has a sponsor here: Arbys.
The PGA season starts next week, after this week's Tour Championship. If you watch on TV I'm marshaling on hole 16 all 4 days. If you don't watch I'm still on 16.0 -
In the US, Tory means a British loyalist.williamglenn said:All of this would have been avoided if Hillary had instead said that Trump's supporters were a load of 'Tory scum'.
Then the US media spotlight would have been turned on UK Labour and Momentum and she would have sailed into the White House on the back of a Corbyn inspired mass movement sweeping across the US.
So they could call much of modern anglophonic Canadians "Tory Scum".0 -
Mr. Brackenbury, you don't find the enormo-haddock.
The enormo-haddock find you.
Mr. B, hope you have a splendid time.0 -
The time will come when Father Jeremy tells them to slaughter their bourgeois-deviationist parents to create a better world.Morris_Dancer said:Mr. Simon, not soldiers. More like the adoptive children of Uncle Jeremy, their philosophical father.
Even taking the piss, it's utterly ****ing horrendous.0 -
Correct. We pay about half as much of our GDP on healthcare in total compared with the US. Bearing in mind healthcare outcomes are measurably* worse in the US than here, it's a fantastically bad value for money system.IanB2 said:
You mean we get all our comprehensive free care for less cost than the US puts into these basic provisions?Tim_B said:
That's the VA, Medicare and MedicaidAlistair said:
The stat that always boggles my mind is the US spend more public money per person on healthcare than the UK does.Paul_Bedfordshire said:The other thing about the NHS is that it is geared to avoid unnecessary treatment and do the treatment it has to do as cheaply as possible because they have a fixed budget and if they do too much they go into a loss.
In countries with private healthcare the more treatment or prescriptions they can persuade you have and the more expensive treatment or prescriptions they can persuade you to have, the more they earn so costs rise inexorably (as has happened in the UK since some bright spark invented animal health insurance).
The result is an ever higher portion of peoples income being spent on health, and an ever rising number of health workers and rising salaries.
Eventually the health insurance system progressively collapses (as is starting to happen now with UK pet health insurance - although you obviously cant decide sod it and put people down if they get an expensive illness).
Public expenditure on healthcare:
http://data.worldbank.org/indicator/SH.XPD.PUBL.ZS?locations=FR-GB-DE-CH-CA-US
Total expenditure on healthcare
http://data.worldbank.org/indicator/SH.XPD.TOTL.ZS?locations=FR-GB-DE-CH-CA-US
* Due to inequality of provision. The best is very good.0 -
Joey, you ever hang around the gymnasium?Sean_F said:
Or why am I being asked if I've ever seen a grown man naked?FrancisUrquhart said:Organisers of Momentum Kids, which hopes to expand across the group's 150 local branches, said it would "create a space for questioning, curious children where we can listen to them and give them a voice".
http://www.bbc.co.uk/news/uk-politics-37406657
Questioning...as in as long it doesn't question why Uncle Ken doesn't like the Jews? Or why everybody not attending is Tory Scum, even Aunty Sally a life long Labour Party member...0 -
Well I'd say that was a somewhat cynical definition of banking from you there, Mr. C.. Bugger all to do with insurance.Charles said:
What else would you call lending money to people who don't need it?HurstLlama said:
Sorry, Mr. Charles. I didn't know you or your family were in the insurance business.Charles said:
*ahem*HurstLlama said:Bankers are noble citizens compared to the thieving toerags who run insurance companies.
Perhaps the difference is that if I pay £x p.a. into an account at your family's bank for 19 years in order to have a fund for my cat's vet bills, should he become ill. Then your family are not going to deny me access to those funds when that moggie does become crook. Insurance companies will if they can get away with it, and ,by the cringe, don't they employ some experts to weasel their way out of what people thought were insured liabilities.
In another sphere some years ago I worked with a chap whose house burnt down while he was abroad on holiday. Because of the department he worked in we took an interest and there was not a single solitary shred of evidence that the fire was down to a malicious cause. However, his battles with the loss adjuster and the insurance company broke him.
Insurance companies now seem to have a rule which is not to pay out on the risks they have insured unless they really, really have to.
0 -
How about Whig - a disreputable Scottish cattle driver?malcolmg said:
Hard to think of a worse insultBigRich said:
Using 'Tory XXXX' as an insult is a theme of the left in much of the English speaking world, its still common in both Canada and Australia, and for a time it was in Texas.williamglenn said:All of this would have been avoided if Hillary had instead said that Trump's supporters were a load of 'Tory scum'.
Then the US media spotlight would have been turned on UK Labour and Momentum and she would have sailed into the White House on the back of a Corbyn inspired mass movement sweeping across the US.
https://en.wikipedia.org/wiki/Tory0 -
The 'half as much' includes all the private expenditure. Nevertheless our system looks very good value looking at the public spend graph. I notice the UK's fall since 2008, which seems odd, given that GDP growth has been modest and the NHS has supposedly received extra funding, if not enough to keep pace with demand.FF43 said:
Correct. We pay about half as much of our GDP on healthcare in total compared with the US. Bearing in mind healthcare outcomes are measurably* worse in the US than here, it's a fantastically bad value for money system.IanB2 said:
You mean we get all our comprehensive free care for less cost than the US puts into these basic provisions?Tim_B said:
That's the VA, Medicare and MedicaidAlistair said:
The stat that always boggles my mind is the US spend more public money per person on healthcare than the UK does.Paul_Bedfordshire said:The other thing about the NHS is that it is geared to avoid unnecessary treatment and do the treatment it has to do as cheaply as possible because they have a fixed budget and if they do too much they go into a loss.
In countries with private healthcare the more treatment or prescriptions they can persuade you have and the more expensive treatment or prescriptions they can persuade you to have, the more they earn so costs rise inexorably (as has happened in the UK since some bright spark invented animal health insurance).
The result is an ever higher portion of peoples income being spent on health, and an ever rising number of health workers and rising salaries.
Eventually the health insurance system progressively collapses (as is starting to happen now with UK pet health insurance - although you obviously cant decide sod it and put people down if they get an expensive illness).
Public expenditure on healthcare:
http://data.worldbank.org/indicator/SH.XPD.PUBL.ZS?locations=FR-GB-DE-CH-CA-US
Total expenditure on healthcare
http://data.worldbank.org/indicator/SH.XPD.TOTL.ZS?locations=FR-GB-DE-CH-CA-US
* Due to inequality of provision. The best is very good.0 -
Thank you Mr Dancer - I will.Morris_Dancer said:Mr. Brackenbury, you don't find the enormo-haddock.
The enormo-haddock find you.
Mr. B, hope you have a splendid time.0 -
Mr. F, delators have already made a comeback.
Shun the politically incorrect. Shuuuun.0 -
or see your mother get out of the shower?Casino_Royale said:
Joey, you ever hang around the gymnasium?Sean_F said:
Or why am I being asked if I've ever seen a grown man naked?FrancisUrquhart said:Organisers of Momentum Kids, which hopes to expand across the group's 150 local branches, said it would "create a space for questioning, curious children where we can listen to them and give them a voice".
http://www.bbc.co.uk/news/uk-politics-37406657
Questioning...as in as long it doesn't question why Uncle Ken doesn't like the Jews? Or why everybody not attending is Tory Scum, even Aunty Sally a life long Labour Party member...0 -
https://en.wikipedia.org/wiki/Pavlik_Morozov?wprov=sfla1Sean_F said:
The time will come when Father Jeremy tells them to slaughter their bourgeois-deviationist parents to create a better world.Morris_Dancer said:Mr. Simon, not soldiers. More like the adoptive children of Uncle Jeremy, their philosophical father.
Even taking the piss, it's utterly ****ing horrendous.0 -
That was the case before, but from the research I have seen the UK has improved its health outcomes faster than other countries while increasing health expenditure faster as well. Basically we are spending more but getting at least some of that back in the form of relatively better treatment.Richard_Tyndall said:
The comparison should not be with the US but with the rest of the first world which genetallt have far better health services which are still free at the point of delivery.IanB2 said:
You mean we get all our comprehensive free care for less cost than the US puts into these basic provisions?Tim_B said:
That's the VA, Medicare and MedicaidAlistair said:
The stat that always boggles my mind is the US spend more public money per person on healthcare than the UK does.Paul_Bedfordshire said:The other thing about the NHS is that it is geared to avoid unnecessary treatment and do the treatment it has to do as cheaply as possible because they have a fixed budget and if they do too much they go into a loss.
In countries with private healthcare the more treatment or prescriptions they can persuade you have and the more expensive treatment or prescriptions they can persuade you to have, the more they earn so costs rise inexorably (as has happened in the UK since some bright spark invented animal health insurance).
The result is an ever higher portion of peoples income being spent on health, and an ever rising number of health workers and rising salaries.
Eventually the health insurance system progressively collapses (as is starting to happen now with UK pet health insurance - although you obviously cant decide sod it and put people down if they get an expensive illness).0 -
To quote the honourable Charles, "ahem".HurstLlama said:
Well I'd say that was a somewhat cynical definition of banking from you there, Mr. C.. Bugger all to do with insurance.Charles said:
What else would you call lending money to people who don't need it?HurstLlama said:
Sorry, Mr. Charles. I didn't know you or your family were in the insurance business.Charles said:
*ahem*HurstLlama said:Bankers are noble citizens compared to the thieving toerags who run insurance companies.
Perhaps the difference is that if I pay £x p.a. into an account at your family's bank for 19 years in order to have a fund for my cat's vet bills, should he become ill. Then your family are not going to deny me access to those funds when that moggie does become crook. Insurance companies will if they can get away with it, and ,by the cringe, don't they employ some experts to weasel their way out of what people thought were insured liabilities.
In another sphere some years ago I worked with a chap whose house burnt down while he was abroad on holiday. Because of the department he worked in we took an interest and there was not a single solitary shred of evidence that the fire was down to a malicious cause. However, his battles with the loss adjuster and the insurance company broke him.
Insurance companies now seem to have a rule which is not to pay out on the risks they have insured unless they really, really have to.0 -
Have to say that is not my experience in the US with non-health insurance. On two occasions, I have had people drive into my car, and twice the basement has flooded. On each occasion, the adjuster seemed to want to add things to the claim on my behalf that I would not have thought of, and proposed very generous amounts for miscellaneous expenses associated with the claim (e.g. rental cars)Animal_pb said:
To quote the honourable Charles, "ahem".HurstLlama said:
Well I'd say that was a somewhat cynical definition of banking from you there, Mr. C.. Bugger all to do with insurance.Charles said:
What else would you call lending money to people who don't need it?HurstLlama said:
Sorry, Mr. Charles. I didn't know you or your family were in the insurance business.Charles said:
*ahem*HurstLlama said:Bankers are noble citizens compared to the thieving toerags who run insurance companies.
Perhaps the difference is that if I pay £x p.a. into an account at your family's bank for 19 years in order to have a fund for my cat's vet bills, should he become ill. Then your family are not going to deny me access to those funds when that moggie does become crook. Insurance companies will if they can get away with it, and ,by the cringe, don't they employ some experts to weasel their way out of what people thought were insured liabilities.
In another sphere some years ago I worked with a chap whose house burnt down while he was abroad on holiday. Because of the department he worked in we took an interest and there was not a single solitary shred of evidence that the fire was down to a malicious cause. However, his battles with the loss adjuster and the insurance company broke him.
Insurance companies now seem to have a rule which is not to pay out on the risks they have insured unless they really, really have to.0 -
Surely a flotsam of Tory scum...RobD said:
What is the collective noun? "A PB Tory of deplorables"?rottenborough said:
...a word that isn't even English btw. As in 'deplorable' is an adjective and it does not have 'basket' as its collective noun.Tim_B said:
Sounds like a candidate for Hillary's basket of deplorables.....FrancisUrquhart said:
What a sexist, homophobic, elitist comment...you fascist like Germaine Greer....or something like that ;-)oxfordsimon said:
Just because she had a working class background, she doesn't have the right to claim to be working class now. No Oxford PPE graduate who ends up working for the CBI can really claim to be working class.FrancisUrquhart said:
More correctly when asked by Red John on R5, because I am a working class northern gay woman...and?...I am a working class northern gay woman, so I know what it is like for real people.oxfordsimon said:
I am not sure on that. Her only appeal seemed to be that she was a woman. "Look at me, I have a pink logo" - that is not enough to get people to vote for you.foxinsoxuk said:
Angela Eagle would have been better, for all her faults.oxfordsimon said:
The man is utterly pointless.Paristonda said:Owen Smith says Corbyn should have been given more time before being challenged. He didn't want to challenege, but once Eagle started it he felt he had to throw his name in. Which, if it was really the case, he could have pulled out after getting the nominations of course.
Sounds more like he's basically trying to set the way to submit to the Corbynistas after defeat, give a reason for moderates to back Corbyn, play nice and hope for no deselections.
To me this says a split much less likely, and the PLP has chosen the proverbial shut up as its next steps.
He has no political skills, no presentational skills, nothing to offer.
Plus the disaster of her launch press conference where no serious political journalists bothered to stay to the end says all you need to know about her prospects.
Identity politics - that is what is really toxic
Though it may do by time next OED comes out of HRC wins. 0 -
Quite apart from the difficulty in knowing who is competent in a private system where systematic audit and validated publication of results is rare, there are other issues:Tim_B said:
I'd like to choose my own surgeon thanks.Paul_Bedfordshire said:
On the NHS you have a choice of 1, drawn from a pool of competent surgeons, which is all you need.Tim_B said:
Think of it like car insurers having approved repair centers. A real life example - my daughter on Obamacare needed her gall bladder removed. She had a choice of surgeons you could count on one hand. On my wife's policy the choice was almost 50.HurstLlama said:
Thanks for that Mr. T.. I have absolutely no idea what "in-network" means. However, if it is the difference between, to use your example, a maximum bill of $2,500 and an unlimited bill then I think something is very wrong.MTimT said:
My guess is that your gaming friend received his treatment 'out of .HurstLlama said:
Well, I for one don't understand the US HealthFrancisUrquhart said:
I know...it was a joke.Tim_B said:
Doesn't matter - if you present at ER they have to treat you regardless of insurance. One reason the ER is such an expense to hospitals.FrancisUrquhart said:Suspect been shot and injured and being taken away in an ambulance. Police also been shot.
Hope his medical insurance is up to date....
I think a large percentage of British public think that they wouldn't see you at ER without them first swiping your credit card.
If you want James Robertson Justice to do it personally because you think he is the best then you pay him.
Seems logical?
May Americans are in HMO structures where they do not get to choose a doctor, and indeed the Doctor may well be acting on perverse incentives.
The Veterans Administration hospitals are notoriously bad (an issue in this election) attracting the worst staff (due to pay and conditions) and often little choice of these.
County and city hospitals dealing mostly with Medicare patients can be dodgy too, particularly in less salubrious parts of the States.
For Privately insured articulate consumers the US system can work very well indeed. An old frien of mine had an Ovarian cancer removed in May at Yale MC, within 2 weeks of diagnosis and chemo starting the next week. The NHS 2 week cancer target works well but chemo is often a bit slower and the range of drugs limited by NICE.
Her insurance doesn't cover the chemo, but fortunately she had married well into a weathy NE family. It may break her financially, but there is little point in being solvent and dead.0 -
Mr. Alistair, can I please ask what is your actual professional relationship with the US health system?Alistair said:
The public money still has to interface with a private system that is spending a huge percentage of it's income on bureaucracy making costs for medical treatment higher than if they had a leaner administration structure.IanB2 said:
Only your second point would appear to involve public money?Alistair said:
US healthcare is massively inefficient. Hospitals being paid by dozens upon dozens of different insurance companies (and millions of individuals who are uninsured) means vast sums of money are lost to a Kafkaesque bureaucracy.IanB2 said:
The same is true in the UK - When I had private insurance I was sent for all sorts of procedures and checks (one of which actually found something unrelated but serious, by accident) which you wouldn't get under the NHS.Alistair said:
The stat that always boggles my mind is the US spend more public money per person on healthcare than the UK does.Paul_Bedfordshire said:The other thing about the NHS is that it is geared to avoid unnecessary treatment and do the treatment it has to do as cheaply as possible because they have a fixed budget and if they do too much they go into a loss.
In countries with private healthcare the more treatment or prescriptions they can persuade you have and the more expensive treatment or prescriptions they can persuade you to have, the more they earn so costs rise inexorably (as has happened in the UK since some bright spark invented animal health insurance).
The result is an ever higher portion of peoples income being spent on health, and an ever rising number of health workers and rising salaries.
Eventually the health insurance system progressively collapses (as is starting to happen now with UK pet health insurance - although you obviously cant decide sod it and put people down if they get an expensive illness).
Your statistic boggles mine also - how can that be true?
Also Medicare/aid is banned by law from negotiating with drugs companies on medication price - they just have to take the market rate.
What exactly is VA?
VA is Veterans Health Administration.0 -
That's probably due to the contraction of total GDP in 2009 following the credit crunch, which meant that a steady expenditure on health suddenly became a might higher percentage of GDP. GDP has gone from trough to peak since, making it look like expenditure on health has gone down. In fact GDP grew much faster than healthcare spending.IanB2 said:
The 'half as much' includes all the private expenditure. Nevertheless our system looks very good value looking at the public spend graph. I notice the UK's fall since 2008, which seems odd, given that GDP growth has been modest and the NHS has supposedly received extra funding, if not enough to keep pace with demand.FF43 said:
Correct. We pay about half as much of our GDP on healthcare in total compared with the US. Bearing in mind healthcare outcomes are measurably* worse in the US than here, it's a fantastically bad value for money system.IanB2 said:
You mean we get all our comprehensive free care for less cost than the US puts into these basic provisions?Tim_B said:
That's the VA, Medicare and MedicaidAlistair said:
The stat that always boggles my mind is the US spend more public money per person on healthcare than the UK does.Paul_Bedfordshire said:The other thing about the NHS is that it is geared to avoid unnecessary treatment and do the treatment it has to do as cheaply as possible because they have a fixed budget and if they do too much they go into a loss.
In countries with private healthcare the more treatment or prescriptions they can persuade you have and the more expensive treatment or prescriptions they can persuade you to have, the more they earn so costs rise inexorably (as has happened in the UK since some bright spark invented animal health insurance).
The result is an ever higher portion of peoples income being spent on health, and an ever rising number of health workers and rising salaries.
Eventually the health insurance system progressively collapses (as is starting to happen now with UK pet health insurance - although you obviously cant decide sod it and put people down if they get an expensive illness).
Public expenditure on healthcare:
http://data.worldbank.org/indicator/SH.XPD.PUBL.ZS?locations=FR-GB-DE-CH-CA-US
Total expenditure on healthcare
http://data.worldbank.org/indicator/SH.XPD.TOTL.ZS?locations=FR-GB-DE-CH-CA-US
* Due to inequality of provision. The best is very good.0 -
A significant part of the fall had already happened by 2010 when it was Labour Party policy to cut NHS spending. The only party to have ever cut NHS spending being Labour of course.IanB2 said:
The 'half as much' includes all the private expenditure. Nevertheless our system looks very good value looking at the public spend graph. I notice the UK's fall since 2008, which seems odd, given that GDP growth has been modest and the NHS has supposedly received extra funding, if not enough to keep pace with demand.FF43 said:
Correct. We pay about half as much of our GDP on healthcare in total compared with the US. Bearing in mind healthcare outcomes are measurably* worse in the US than here, it's a fantastically bad value for money system.IanB2 said:
You mean we get all our comprehensive free care for less cost than the US puts into these basic provisions?Tim_B said:
That's the VA, Medicare and MedicaidAlistair said:
The stat that always boggles my mind is the US spend more public money per person on healthcare than the UK does.Paul_Bedfordshire said:The other thing about the NHS is that it is geared to avoid unnecessary treatment and do the treatment it has to do as cheaply as possible because they have a fixed budget and if they do too much they go into a loss.
In countries with private healthcare the more treatment or prescriptions they can persuade you have and the more expensive treatment or prescriptions they can persuade you to have, the more they earn so costs rise inexorably (as has happened in the UK since some bright spark invented animal health insurance).
The result is an ever higher portion of peoples income being spent on health, and an ever rising number of health workers and rising salaries.
Eventually the health insurance system progressively collapses (as is starting to happen now with UK pet health insurance - although you obviously cant decide sod it and put people down if they get an expensive illness).
Public expenditure on healthcare:
http://data.worldbank.org/indicator/SH.XPD.PUBL.ZS?locations=FR-GB-DE-CH-CA-US
Total expenditure on healthcare
http://data.worldbank.org/indicator/SH.XPD.TOTL.ZS?locations=FR-GB-DE-CH-CA-US
* Due to inequality of provision. The best is very good.
As for GDP growth being modest, GDP growth has happened every year post-2010 and was actually quite significant in 2014 which is when the biggest spending/GDP fall happened. NHS spending increased, but GDP increased faster decreasing the ratio.0 -
Worse than stagnant... until last year. (Which isn't on the chart below.)RobD said:
I thought median wages (adjusted for inflation) had been stagnant for donkeys years in the US?rkrkrk said:
Demographics; low unemployment; Obama approval rate over 50℅; 2015 the biggest increase in median wage ever; lowest ever uninsured rate... Take your pick?williamglenn said:
If Obama is campaigning in PA then they obviously don't think it's safe.weejonnie said:
It looks as if PA is safely HRC - so Trump's reduced to the Colorado/ Michigan/ Wisconsin / New Hampshire route (Nevada has gone pink). But the thing is - he needs the others (North Carolina/ Florida/ Ohio/ Iowa), none of which are gimmees.Tim_B said:
I see what the polls say, but you campaign where you need to, where it'll make a difference, not where you're safely ahead.DavidL said:
But look at the polling to date: http://www.realclearpolitics.com/epolls/2016/president/pa/pennsylvania_trump_vs_clinton_vs_johnson_vs_stein-5964.htmlTim_B said:
Hillary has had Obama campaigning for her in PA last week.That's a sign that PA is competitive.DavidL said:
The Pennsylvania one is interesting because it is by a Democratic leaning pollster who has Hillary ahead by 9 nationally. If Penn does become competitive, and there is no sign of that till now, the FOP that @JackW has been going on about is distinctly possible.weejonnie said:
You have to refresh the 'updates page http://projects.fivethirtyeight.com/2016-election-forecast/updates/ the top 3 are Monday 10.30 EDT (3.30pm)Alistair said:
I'm totally not seeing any of these polls on 538, could you link?weejonnie said:Weird - we have two National Polls on 538
Poll 1 : Trump +7 (LV)
Poll 2: Clinton +9 (AV)
Is this a record divergence?
(And a Pennsylvania - Trump +1)
This is either a very big move or a rogue poll.
Is there any metric other than polling that would suggest this will be Hillary's year?
0 -
Well if you pay less into an insurance company pot (cheap premiums! Cheapest car insurance! Save Money on your insurance! We guarantee you can't buy cheaper!) then there is less available to pay out claims. That is economics 101 but no-one under 35 has yet grasped it - they want a Rolls-Royce policy at Model-T Ford prices.Animal_pb said:
To quote the honourable Charles, "ahem".HurstLlama said:
Well I'd say that was a somewhat cynical definition of banking from you there, Mr. C.. Bugger all to do with insurance.Charles said:
What else would you call lending money to people who don't need it?HurstLlama said:
Sorry, Mr. Charles. I didn't know you or your family were in the insurance business.Charles said:
*ahem*HurstLlama said:Bankers are noble citizens compared to the thieving toerags who run insurance companies.
Perhaps the difference is that if I pay £x p.a. into an account at your family's bank for 19 years in order to have a fund for my cat's vet bills, should he become ill. Then your family are not going to deny me access to those funds when that moggie does become crook. Insurance companies will if they can get away with it, and ,by the cringe, don't they employ some experts to weasel their way out of what people thought were insured liabilities.
In another sphere some years ago I worked with a chap whose house burnt down while he was abroad on holiday. Because of the department he worked in we took an interest and there was not a single solitary shred of evidence that the fire was down to a malicious cause. However, his battles with the loss adjuster and the insurance company broke him.
Insurance companies now seem to have a rule which is not to pay out on the risks they have insured unless they really, really have to.0 -
Oh god what have I started with my quip about David of NJ trip to the ER....
AV, AV, PR, AV, PR^2, Latvian Homophobes, Waffen SS, Cameron spotted in Morrisons...anything something...distract, distract...0 -
I will go "ahem" a bit here. I know the insurance world does not have always have a great reputation, but retail insurance is heavily regulated in the UK and there is a presumption of cover unless the Insurer can show grounds for exclusion or misrepresentation.Animal_pb said:
To quote the honourable Charles, "ahem".HurstLlama said:
Well I'd say that was a somewhat cynical definition of banking from you there, Mr. C.. Bugger all to do with insurance.Charles said:
What else would you call lending money to people who don't need it?HurstLlama said:
Sorry, Mr. Charles. I didn't know you or your family were in the insurance business.Charles said:
*ahem*HurstLlama said:Bankers are noble citizens compared to the thieving toerags who run insurance companies.
Perhaps the difference is that if I pay £x p.a. into an account at your family's bank for 19 years in order to have a fund for my cat's vet bills, should he become ill. Then your family are not going to deny me access to those funds when that moggie does become crook. Insurance companies will if they can get away with it, and ,by the cringe, don't they employ some experts to weasel their way out of what people thought were insured liabilities.
In another sphere some years ago I worked with a chap whose house burnt down while he was abroad on holiday. Because of the department he worked in we took an interest and there was not a single solitary shred of evidence that the fire was down to a malicious cause. However, his battles with the loss adjuster and the insurance company broke him.
Insurance companies now seem to have a rule which is not to pay out on the risks they have insured unless they really, really have to.
I would be very interested to hear the details of your friend's insurance policy and his loss. It is not the case that a claim is simply turned down without reason.
My own business is connected to the negotiation adjustment and settlement of claims in the Lloyd's and London Market.
However, it really is useful for people to read their policy to see what is covered and what is not. If you are transferring risk to an insurance company, it is well to know what risks you are transferring and what may be excluded.0 -
Try grammar schools. That usually works ;-)FrancisUrquhart said:Oh god what have I started with my quip about David of NJ trip to the ER....
AV, AV, PR, AV, PR^2, Latvian Homophobes, Waffen SS, Cameron spotted in Morrisons...anything something...distract, distract...0 -
Or a nice soothing AV thread?foxinsoxuk said:
Try grammar schools. That usually works ;-)FrancisUrquhart said:Oh god what have I started with my quip about David of NJ trip to the ER....
AV, AV, PR, AV, PR^2, Latvian Homophobes, Waffen SS, Cameron spotted in Morrisons...anything something...distract, distract...0 -
Bleah, I should have read that more carefully. The dangers of posting sober...0
-
For those interested in the financial squueze on the NHS the graphs in this short video made a month ago are rather good:
https://youtu.be/nsCDAp_aFEg
0 -
Mr Rahami's brothers once fought with an officer who had come to shut down the restaurant. The brother allegedly fled to his native Afghanistan before the case could be prosecuted.
http://www.bbc.co.uk/news/world-us-canada-374101150 -
It was more Blair's refusal to agree to a break in migration of Eastern Europeans to the UK in 2004 (unlike most other EU nations) which led to Brexit. Merkel's policy made it even more likely but was not the prime cause. However she is now seeing a significant move of CDU voters to the AfD tooSeanT said:I'm in Peru and haven't read a thread in yonks. But I'm surprised you're not (still?) discussing this. Merkel finally admits her refugee policy might have been an error.
http://www.theguardian.com/world/2016/sep/19/angela-merkel-admits-mistakes-asylum-seekers-election?CMP=Share_iOSApp_Other
I'll say. Possibly the greatest error in postwar German politics. Inter alia, it led fairly directly to Brexit.0 -
If you are mates with an anaesthetist at the hospital who is mates with the international superstar surgeon for the operation you want done, it can happen that you get sort of unofficially reallocated to that surgeon's NHS list. Allegedly.Tim_B said:
I'd like to choose my own surgeon thanks.Paul_Bedfordshire said:
On the NHS you have a choice of 1, drawn from a pool of competent surgeons, which is all you need.Tim_B said:
Think of it like car insurers having approved repair centers. A real life example - my daughter on Obamacare needed her gall bladder removed. She had a choice of surgeons you could count on one hand. On my wife's policy the choice was almost 50.HurstLlama said:
Thanks for that Mr. T.. I have absolutely no idea what "in-network" means. However, if it is the difference between, to use your example, a maximum bill of $2,500 and an unlimited bill then I think something is very wrong.MTimT said:
My guess is that your gaming friend received his treatment 'out of network'. When you do that, your co-pay is increased (depends on the policy) and there is no absolute cap on your responsibilities.HurstLlama said:
Well, I for one don't understand the US Health system. A friend of mine, a Brit, was taken ill was on holiday in Texas. She was whipped into the local A&E, diagnosed had surgery, a short recovery periodsnip File 13 and never heard another word from anyone.FrancisUrquhart said:
I know...it was a joke.Tim_B said:
Doesn't matter - if you present at ER they have to treat you regardless of insurance. One reason the ER is such an expense to hospitals.FrancisUrquhart said:Suspect been shot and injured and being taken away in an ambulance. Police also been shot.
Hope his medical insurance is up to date....
I think a large percentage of British public think that they wouldn't see you at ER without them first swiping your credit card.
I'll moan about the NHS with the best of them and, God knows, I have had good reason to do so, but I think I prefer it to being in the hands of the modern insurance industry. Bankers are noble citizens compared to the thieving toerags who run insurance companies.
When my wife was diagnosed with cancer, we made sure all her providers were 'in-network' so her absolute cap is $2500. Which is just as well, as the chemo drugs came to around $20,000 per session.
If you want James Robertson Justice to do it personally because you think he is the best then you pay him.
Seems logical?0 -
“There is literally no excuse for what is going on there,” she said. “It’s shameful.
“And I’m very proud to be British, and think we do great things, and it is worth remembering that we are one of the biggest donor countries.
“But because of our inaction when it comes to 600 unaccompanied minors in Calais, it makes me ashamed to be British.”
http://www.telegraph.co.uk/news/2016/09/19/it-makes-me-ashamed-to-be-british-carey-mulligan-slams-governmen/
No words of criticism for the French?0 -
On leaving the EU, stunning idiocy:
https://twitter.com/damiengwalter/status/777511991124647936
I assume that includes the UK's economy (between 2.5 and 3 trillion euros). And does seem to neglect that America, and maybe China are bigger, even with the UK included.
I think most people on both sides are entirely reasonable, but I suspect the above line of thinking has many adherents in the Lords.0 -
Bristol Labour Party having some local difficulties as 3 councillors are now suspended by The NEC.0
