I guess you live a simple life. I have a lot of things going on that require I go to the bank and interact with the employees quite often. If you just have your social security check deposited and pay your bills, than no, you usually have no need to go to a bank.
Read the study from last November to understand why. Millennials age 18 to 34 are leaving big banks in record numbers and going to local banks and credit unions. Big banks lost 15% of their millennial customers while the locals are increasing their business by picking these people up. The millennials are fed up with being treated as just another number at these big banks and their charging fees for anything they can dream up. I'm well past the millennial age but I left Bank of America four years ago for one of our local banks and will never go back. Besides trying to charge me fees which I complained about and they dropped, you felt like you were being an imposition if they had to take care of your business when you went in. The local bank I'm with now is fun to go in. The people working there are always happy, smiling and go out of their way to come and talk to you and if you go in regularly they know your name. The workers are always joking with each other too. They will go out of their way to take care of anything you want and appear happy to do it. I don't know if its an act but if it is these people should be in Hollywood because they are the best actors you've ever seen. They are truly happy to have your business. If you go to the main branch and want to talk to the CEO, he will gladly speak to you if he's not in a meeting. They also reward their customers for their business. I have a checking account that pays 1.96% interest on the first 25 thousand in the account. You do need to use your debit card for a purchase ten times a month but for 1.96% interest it' is no problem at all, just use it when you go grocery shopping. They were ranked in the top ten of the best places to work in our area and from the way these workers act you know its true. Big banks are so worried about the bottom line that they forgot who the customer is and see them only as another means to extract more money to add to the bottom line. The big banks will have to change or go under.
5 years later, ‘Obamacare’ critics can’t believe their lying eyes
03/23/15 08:00 AM—Updated 03/23/15 12:17 PM
facebook twitter 43 save share group 1k
By Steve Benen
Exactly five years ago today, the White House hosted a signing ceremony in the East Room for one of the most important policy breakthroughs in a generation. Policymakers from both parties have talked about providing health security for all of the nation’s families for roughly a century, but on March 23, 2010, officials gathered not just to talk but to celebrate action.
Vice President Biden introduced President Obama to the audience and, in comments that weren’t intended for the public’s ears, said to the president off-mic, “This is a big f***ing deal.” Five years later, there’s little doubt that Biden was entirely correct.
If you’d told me five years ago that on March 23, 2015, the Affordable Care Act would exceed expectations on every possible metric, including reducing the nation’s uninsured rate by a third, I’d say “Obamacare” would look like a great success. And fortunately for the country, that’s exactly what’s happened.
Anniversaries are a good time to pause, reflect, and take stock, and when it comes to health care reform, objective observers are going to find it easy on the ACA’s fifth anniversary to appreciate the law’s triumphs. But it’s also a good time to take a moment to acknowledge those who told Americans exactly what to expect from the Affordable Care Act – and who got the story backwards.
Failed Prediction #1: Americans won’t enroll in the ACA
In 2009 and 2010, it was widely assumed among Republicans that Democrats had fundamentally miscalculated public demand and consumers would show no real interest in signing up for coverage through the Affordable Care Act. Indeed, among some on the right, this was a foregone conclusion – Americans wouldn’t trust “Obamacare.” We now know, of course, that the opposite is true and that millions of families have eagerly signed up for benefits through the ACA.
Failed Prediction #2: The ACA won’t meet its enrollment goals
OK, so maybe some consumers would enroll, Republicans eventually said, but the ACA would inevitably lose the numbers game when the enrollment projections proved overly ambitious. In reality, both this year and last year, enrollment totals exceeded the Obama administration’s preliminary projections.
Failed Prediction #3: Insurers will want no part of the ACA system
Conservatives were absolutely convinced that private insurers would refuse to participate in the ACA’s exchange marketplaces, repeating the prediction over and over again. This also proved to be the opposite of the truth, as insurance companies have been eager to compete for Americans’ business.
Failed Prediction #4: The economy will suffer terribly because of ‘Obamacare’
Among Republicans, there was near-certainty that 2014 – the first full year for ACA implementation – would be an abysmal year for the American job market. After all, it seemed obvious to the right that “Obamacare” would crush job creation and push unemployment higher. In reality, 2014 was the best year for American job creation since the ’90s; the unemployment has shown sharp improvement; and there’s literally no evidence that the ACA had an adverse effect on economic growth at all.
Failed Prediction #5: Even if Americans enrolled, they won’t pay their premiums
When the evidence started looking good for the ACA, Republicans got a little desperate, looking for ways to downplay good news, and the “people won’t pay their premiums” talking point took root. It was, however, completely wrong.
Failed Prediction #6: Even if people pay their premiums, the flawed ACA structure will send premiums soaring
Those hoping to see the American system fail counted on soaring insurance premiums. This just hasn’t happened and the ACA model has proven to be quite effective.
Failed Prediction #7: The ACA won’t reduce the uninsured rate because it will only help those who already have coverage
This was a GOP favorite for quite a while, right up until the evidence proved the right had this backwards, too.
Failed Prediction #8: The ACA will lead to a “net loss” on overall coverage
This line was pushed by House Speaker John Boehner (R-Ohio) for a while, with the Republican leader arguing a year ago that “Obamacare” would end coverage for more people than it would expand coverage to, “a net loss.” Boehner said, “I actually do believe that to be the case.” As it turns out, his actual beliefs were ridiculously wrong.
Failed Prediction #9: The ACA will lead to higher deficits and a weaker fiscal footing for the nation
One of the projections that never sat well for Republicans, who sometimes pretend to care about the deficit, was that “Obamacare” would reduce the nation’s deficit by hundreds of billions of dollars in the coming years. The GOP assumed the non-partisan budget analyses were wrong and proceeded to tell the country the law would make the deficit larger and “bankrupt” the country. According to the Congressional Budget Office, however, Republicans got this backwards, too. In fact, the overall price tag of the ACA is now smaller than previously projected.
Failed Prediction #10: Americans will end up hating the coverage they receive through the ACA
Customer satisfaction rates came as a huge surprise to Republicans, who expected the opposite results: “A majority of Americans give good reviews for insurance they recently acquired through government exchanges within the past year, a new poll shows. With the second round of Obamacare enrollment set to begin on Saturday, 71 percent said their coverage through the exchanges was good or excellent, according to a Gallup poll released Friday. Another 19 percent said the coverage was fair, while 9 percent rated it poorly.”
That’s 10 failed predictions and we could keep going. ACA critics were wrong about the “death spiral.” And “rate shock.” And the notion that young people wouldn’t enroll. And assertions that Medicare patients would suffer. None of these predictions – literally, none of them – stood up to scrutiny.
Making matters slightly worse, five years later, none of the prominent figures in Republican politics who were wrong are willing to take responsibility for their failed predictions. On the contrary, there’s apparently no real accountability at all – the same GOP policymakers who’ve been wrong about every aspect of the debate haven’t even tried to offer an explanation for their mistakes and misjudgments. They’re far too busy scheduling dozens of floor votes to repeal the successful law and have neither the time nor the inclination to explain their abysmal predictive powers and fact-free critiques (or offer a credible alternative).
The debate has descended into an unsatisfying dialog between those who can point to evidence and those who say the law is a “disaster” out of habit, without regard for substance or reality.
Five years after the White House signing ceremony, however, the facts are not in dispute among those who choose to see them.
I forgot to tack this onto the post.
Peter Lee, criticized UnitedHealth for blaming the federal health law for its heavy losses instead of taking responsibility for its own business mistakes.
Lee said UnitedHealth made a series of blunders on rates and networks that led to steep losses on individual policies across the country.
“Instead of saying, ‘We screwed up,’ they said, ‘Obamacare is the problem and we may not play anymore,’” Lee said in a February interview with California Healthline. “It was giving an excuse to Wall Street and throwing the Affordable Care Act under the bus.”
Lee had also previously knocked UnitedHealth for sitting out the first two years of Covered California before joining in 2016.
In true corporate fashion, the executives at United tried to blame the ACA as the problem to wall street when their poor corporate decisions were the reason for their failure. Others are now thriving while playing by the same rules United had to play by. Why can't some people admit their failures in life instead of blaming everyone else?
The same people who didn't like Ali are probably the same people who didn't like the great and courageous Martin Luther King and Jackie Robinson. Unfortunate that racism still is so strong with some in this country.
Just pointing out that most everybody recognized the greatness of the man, even Trump. You seem to be a very bitter person with a lot of chips on your shoulder. Life must be a living he11 for you. I feel sorry for anyone that has to live with you.
I have my ACA insurance through my states Blue Cross Blue Shield and they aren't going anywhere either. If I could say I had any trouble with my ACA carrier selection it would be that there were too many policy options to choose from. It took quite a while to go through them all and start eliminating plans.
Even Donald Trump posted about what a great boxer and a great man Ali was. He was a man who could bring everyone together.
That is just a dumb post that is related to nothing. Are you drinking already this early on a Sunday. But since you are so concerned about taxes on Amazon purchases, I am charged my state taxes when I purchase something from Amazon. Sorry but you will have to find something else to cry about this morning.
The death of Muhammad Ali, the former heavyweight champion known as much for his political activism as his boxing brilliance, triggered a worldwide outpouring of affection and admiration for one of the best-known figures of the 20th century.
Ali, who had long suffered from Parkinson's syndrome which impaired his speech and made the once-graceful athlete almost a prisoner in his own body, died on Friday at the age of 74.
The cause of death was septic shock due to unspecified natural causes, a family spokesman said. Ali was admitted to a Phoenix-area hospital with a respiratory ailment on Monday.
"He'll be remembered as a man of the world who spoke his mind and wasn't afraid to take a chance and went out of his way to be a kind, benevolent individual that really changed the world," the family spokesman, Bob Gunnell, said at a news conference in Scottsdale, Arizona.
Ali spokesman: boxer died of 'septic shock' Ali spokesman: boxer died of 'septic shock' Play! 01:21
Despite Ali's failing health, his youthful proclamation that he was "the greatest" rang true until the end for millions of people around the world who respected him for his courage both inside and outside the ring.
Along with a fearsome reputation as a fighter, Ali spoke out against racism, war and religious intolerance, while projecting an unshakeable confidence that became a model for African-Americans at the height of the civil rights era and beyond.
His family have announced plans for a public funeral - featuring Bill Clinton and Billy Crystal - in his home town of Louisville, Kentucky.
United Health Care didn't participate in the ACA the first two years and tried to be the johnny come lately after other insurers took all the risk the first two years. Because they let others take the risk, when they decided to enter the California market in 2016 they were only allowed to sell plans in a few of the smaller markets. They only have 1200 enrollees in a state of 40 million in 2016, so it means little that they are leaving. It was a series of poor management decisions that has now left United Health Care out in the cold as far as the ACA is concerned. Nationwide they only have about 800,000 enrollees in a country of 320 million people so again they are a very small player and are expected to only have about 650,000 for 2017. Others much larger ACA carriers are taking advantage of United Health's poor management decisions. For 2017 Anthem said it would continue selling its ACA plans in all the states it is in already, Aetna said they will remain in all they states they are currently operating in and may enter more states in 2017 and Cigna will remain in all the states they are currently in and said they will be expanding to more states in 2017. The republicans have tried to use United Health Care's exit from California and a couple other states as evidence that the ACA is failing but nothing could be further from the truth. Untied missed out because of poor management decisions and is now paying the price now that the first couple years which were the riskiest years have passed and the more lucrative years are upon us. Its only fair that United not be allowed to come in and storm the market after others took all the risk. Those who try and say that United health leaving is a sign of the failure of the ACA are clueless and should not even be allowed to vote if they have no understanding what is truly happening in this country.
If you would have used your brain instead of being a professional whiner and bought yesterday, you could be up 15% already. Ever wonder why others have money and you don't?
Yes, anyone who understands the markets should have known this was coming. Its basically meaningless except for the fact that this will make sure the stock doesn't get delisted before the drug study is complete. That's a good thing. People should be in there scooping up more at the lower price. There's no easier way to make money in markets that to take advantage of fools when the opportunities present themselves.
That's wonderful. I think all the Wal-Mart executives should run marathons. They have to be better at running a marathon than they are running a company because they suck at that. They can run marathons and while they're doing that they can get some qualified people in to run the company.
What compels you to lie? If lying is the only way to defend your position than it proves that you are on the wrong side of an issue. My wife and me both have Obamacare and our doctors have no problem with it and we have different doctors in a different network. Just like any other insurance certain doctors will not accept certain plans whether it be Obamacare, employer insurance or an individual policy you get on your own. If you knew anything about Obamacare you would know that before you sign up for a plan you can check through the Obamacare website if your doctor accepts that plan. After we reviewed all of our plan options we narrowed it down to four different plans that we were going to choose from. My doctor would accept any of the plans but my wife's doctor would not accept one of the plans with Coventry so that left us with three that we liked to choose from.
We're Dish Network customers and I contacted Dish and told them I support dumping Viacom channels because there's really nothing worth watching. I used to watch some TV Land but how many times can you watch the same reruns over and over and I used to watch the Daily Show and the Colbert Report but since Jon Stewart and Stephen Colbert left I never watch that channel anymore. We're paying for all those junk channels that most people never watch. I told Dish to drop Viacom and either lower our rates or keep from having what would have been the next price increase or two in exchange.
Don't forget to check out the hose attachments and just about everything else outside of food products at Walmart and they are made in China also. Let's send a message to the biggest retailer which is Walmart and not buy products not made in the US. That's a whole bunch of grasshoppers. Be sure and check the food products at Wal-Mart too because you will find that some of the food items are foreign products too.
I hope you were joking about the safety measure. Do you know how many men perverts prey on young boys and how many women pervets prey on young girls? Which restroom a child would go into is does not mean they are safe. What world are you living in and do you ever watch the news?
That would be a fools game to judge an industry by one company. Sun Edison had horrible management. That would be like saying 50 years ago that the automobile was going away because Desoto folded. Look at First Solar. They are up by almost 60% in the last six months.