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Would you be able to simply answer “Yes” or “No” to the question I posed in the hypothetical scenario? You seem to be avoiding it.
I agree that the government is supposed to help the population but who to help, to what extent and at what expense to others is something I strongly disagree with you on.
@ ubiquitin
It’s not a problem- feel free to disagree with me and show your views from a different angle. If you have some good points and make me change my opinion and outlook I’ll go ahead and agree with you and retract my earlier statements.
My question to @Jackk was supposed to be extremely biased towards Mr. A and extremely biased against Mr. B. (That’s why I mentioned that it was hypothetical.) I’m not sure if you’ve read any of our conversations before but our opinions are diametrically opposed. I was hoping to start a conversation on common ground and then change the variables one at a time to see where we actually disagree.
Mr. B doesn’t own how house to have enough equity in there to pay the bills for Mr. A (that’s why I was asking if the government can put a lien on the house owned by Mr. A).
Aside from that- I’m not sure what you’re getting at- my question was if the government can take money from one person to pay the medical bills of another person. (And yes, if it goes one way it should go both ways- but should it go the first way to begin with?)
I’m Bli Nader going to respond within the next day or two- unfortunately I have less free time during vacation than when I’m working.
In the meantime I’m going to pose a question based on a hypothetical situation.
Family A and Family B are neighbors.
Mr. A is an ambitious person, got a higher education, worked hard to climb the corporate ladder, saved up money to purchase a house and sets aside money every month for his kid’s higher education and weddings. Mr. B on the other hand is more laid back, is still at an entry level position, rents the house he lives in, uses his extra money and credit card limits on vacations that he can’t afford and has no savings.
Mr. A takes his health seriously, eats and works out responsibly, has adequate health insurance coverage, doesn’t smoke and only drinks alcohol for religious purposes. Mr. B is extremely overweight, smokes like a chimney, gets overly drunk on a regular basis and has horrible health insurance coverage.
Unfortunately Mr. B has some serious health issues and needs a lung and liver transplant to survive but can’t afford the $300,000 for the surgery.
Does the government have the right to put a $200,000 lien on Mr. A’s house and seize the $100,000 he has in savings in order to save Mr. B?
Why or why not?
Unfortunately I haven’t been called since so I need to recycle old stories.
@Ctrl Alt Del
I’m not trying to be rude- just saying it the way that it is.
Insurance companies are in it for the money and they make money by charging premiums to assume the risk for their policy holders.
Given the nature of dental coverage- the premiums would pretty much be unaffordable for those that need expensive dental work if the coverage was more generous.
Did you see my happy birthday wishes in the other thread?
If not – have a happy belated birthday.
Avi
That picture is so heartbreaking.
He sometimes davened next to us at Rav Pollars Yeshiva on 55th St. He looks so frail compared to the vibrant person he used to be.
May he have an immediate ????? ????.
Someone tried something similar when I was at jury duty. The judge called her up- told her she was dismissed and when she headed to leave with a smirk on her face the judge called her back and told the bailiff to send her to civil court for jury duty.
Mods-
Why isn’t this showing up on the front page?
@Reb Eliezer,
If you are who I think you are I believe it’s your birthday.
Have a happy birthday!
Doc
Have you been using the one in the encrypted message? That’s the one I contact him on for Coffee Room related correspondence.
Thanks for brining back some memories of the good old days. Squeak is on vacation and I’m not sure if he’s checking the Coffee Room before he returns.
Instead of considering it a forfeit send him an e-mail, he’s pretty responsive.
(He left his email address in this encrypted message. You’ll either need to remember which thread I left the cypher in or get your own team of Polish Cryptographers.)
“This is why we can’t have a discussion and I am not going to continue.”
Please don’t! Responding to you takes lots of my time but I feel that the Torah needs to be represented on a Frum website. As I mentioned in my previous post I’m not responding to you per se- I’m pointing out the lies, hypocrisy and fallacy in your posts to other who may otherwise believe you. You’ll thank me when you get to the next world for all the sins your followers may have otherwise committed.
“It is painful to me to have to discuss issues where we disagree on the basic facts.”
Now think of what I have to put up with between you intentionally missing the point, lying, ignoring strong points that I make, leaving out parts of my posts to make it seem like I’m a wicked person and the list goes on and on.
“I would like to introduce you to a few diseases that have absolutely zero to do with a person lifestyle. This is just a short list.
Cancer – in all its forms over the body
MS
Parkinson’s
Crohn’s
Alzhiemer’s
Ashma
Some forms of Diabetes
etc…etc…etc…I would also like to introduce you to the millions of people who are the victims of auto, fire, and flood accidents.”
Right- you’re mentioning the medical costs that are unavoidable but again ignoring the bulk of the medical costs which would be avoidable if people acted responsibly. When I briefly worked within the ACA I studied annual costs of the members with the highest medical claims before running them through actuarial reinsurance software. The highest claims (excuse me if I get the order wrong) were for:
1. A person doing motorcycle stunts whose bill was close to $1,000,000 (he didn’t survive)
2. A couple where the guy was trying to show off to his girlfriend and they got electrocuted when their hot air balloon went into power lines (they both survived- him in better condition than her)
3. A guy who got electrocuted and fell off his roof while installing Christmas lights (he survived).
And this is just accidents- not chronic illnesses due to horrible lifestyle choices.The next highest claims that I came across were for kidney dialysis and were considerably less. (Heart attacks, open heart surgery and the likes didn’t meet the threshold for the analysis I was doing.)
“Insurance plans and Higher Deductibles were already going up for decades before the ACA. I also pay for my family’s insurance and know that this is true. There was no guarantee from any insurance companies that the trend wasn’t going to continue. In fact , it was obvious that it was going to continue until someone reigned them in.”
I definitely agree with you on that. As medical care got better and more expensive devices came along peoples treatments got better and more expensive and they were living longer. Also, as the ratio of makers to takers started trending to zero (the makers having less kids than the takers) there were less people to pay premiums and more people free riding so the premiums got higher. Then some makers had to become takers- it’s a vicious cycle.
“If you want to blame the ACA , the Insurance companies love you.”
It was happening long before the ACA- the ACA just made it exponentially worse. If you read enough on the inner workings of the ACA (unfortunately the information is extremely complicated and hard to find online- you need to go to the CMS website and download documents that are hundreds of pages long) you’ll see that there was no mathematical chance for the ACA to work. It seriously hurt hard working families (like my own) where our medical expenses went up about $10,000 annually for lower quality care.
And by the way- insurance companies lost hundreds of millions if not many billions of Dollars in this debacle.
“Similar to Oil companies making record profits this year and everyone blames Biden.”
As I explained before (and you ignored it) in economics there’s a supply and demand curve, as supply goes down (or up) the demand will go up (or down) and prices will go up (or down). When President Biden signed that executive order on his first day in office the US stopped being energy independent, the supply went down, the demand went up and prices went up (and the US became weaker internationally). So oil companies are able to make record profits and yes the blame is squarely on President Biden (or whichever Democrat told him to sign it).
“2) I need to explain why people who have SSA are not responsible for their being SSA and can never be “cured” by going for psychological help?
In the real world, there are people with SSA and no amount of psychological treatment will make them non-SSA.”
Again- you’re purposely missing the point and misquoting me. I don’t believe I ever wrote that they can be cured- I don’t know too much about the topic to comment on it one way or another. (If I did please point it out to me and I’ll take back what I wrote.) These people need psychological help to feel comfortable using the restroom / locker room that corresponds to the gender they were born with. (I.e. only people born with one set of “X” Chromosomes and one set of “Y” Chromosomes use the restroom / locker room that says “Male” and only people born with two sets of “X” Chromosomes use the restroom / locker room that says “Female”.) They can also use some serious psychological help learning how to keep their private lives private and not having parades and the likes to show their perversion.
If you think about it- from all the grotesque relationships the Torah mentions there’s one that the Torah calls an abomination. Those that want to destroy the Torah (i.e. the Democratic party who want everyone to forget that Hashem exists so they will worship and vote for Democrats instead of Hashem) are purposely taking something so important to the Torah and shoving it in everyone’s face.
To reiterate what I’ve said before- if these people would keep their private lives private the whole SSA issue would be a non-issue.
“The Republican states are the biggest beneficiaries of the Federal Government money put in by Blue States.”
I’m not sure if that’s true or not (I don’t know one way of the other) but I don’t know why that has anything to do with anything. Some states produce more money than other states and some states produce more milk than other states.
The point is there are way too many able bodied people in this country (enabled by the Democrats) who could be contributing to society but aren’t.
“You will realize that the slogan that Republicans “just want people to take responsibility for their behavior” is simply a wicked slogan to allow themselves to not help other people.”
Again- you’re purposely misquoting me and purposely missing the point. Like I’ve said a number of times earlier but you refuse to acknowledge- if the only people getting entitlements are those who physically or mentally can’t take responsibility for themselves, as well as those who are temporarily down on their luck- the entire entitlement crisis would be a non-issue.
“I told you before that I am not here to have private discussions.
Especially when they don’t lead to anything fruitful.”So just ignore my posts like you do most of the time- my responses aren’t meant for you per se- they’re to point out your hypocrisy to everyone else. At this point I don’t think I can help you. I had you in mind on Rosh Hashana and Yom Kippur that you should see the truth and do Teshuva. I honestly thought when you were gone for a month afterwards that you were doing Teshuva- unfortunately I was wrong.
“After 4 tries, I couldn’t even convince you on the topic about the republican view that impeaching Clinton was 100% justified but impeaching Trump twice was 100% unjustified.”
That’s a lie! When you said that impeachment is for high crimes and misdemeanors, not lying under oath and I pointed out to you that lying under oath is a misdemeanor you ignored me. You sure had me convinced that the impeachment was justified. Similarly, when you said that President Trump perjured himself and I pointed out that it was actually President Biden who admitted on camera that he threatened to pull $1 billion in loan guarantees if the Ukraine didn’t fire the prosecutor investigating the company Hunter used to work for. When you ignored that as well you sure as anything had me convinced that the impeachment was 100% unjustified.
(In fairness to you- you didn’t totally ignore it, you responded that we should learn together the whole Shavuos night or something like that. Unfortunately that wouldn’t work as I would only take on a Charusa that I want my kids to look up to.)
“In the real world it does not work. We don’t live in a utopia where everyone given an opportunity can make it. In the real world, there will always be people that need to rely on the government for assistance.”
Are you purposely leaving out what I wrote later on? If entitlements would only be given to those who for mental or physical reasons can’t sustain themselves as well as those who are temporarily down on their luck, the entitlement crisis would be a non-issue. I agree that we don’t live in a utopia where everyone can make it. That doesn’t mean that the government should take money from hard working people who can barely support themselves to pay people not to work and vote Democrat.
“Ditto for the next paragraph of yours.”
Instead of just dismissing the entire paragraph, can you please explain why the items I mentioned would still be issues?
“1) Healthcare and Insurance has nothing to do with people taking care of themselves. Pregnancy is not due to illness. Most reasons that people go to the Doctor have nothing to do with a lifestyle.”
It sure does. If people took responsibility for themselves (I’m going to reiterate again that I’m not referring to people who for mental or physical reasons can’t as well as those who are temporarily down on their luck) they should have no problem finding employment that provides health benefits for them and their families. Furthermore- the bulk of medical claims costs could be avoided if people ate healthier, exercised responsibly, drove carefully, didn’t take stupid risks, avoided illegal drugs, stayed away from violence…
Pregnancies, ear infections and ingrown toenails are part of life and expected medical claims.
Gun shot wounds and drug overdoses are medical costs that could be avoided. (I know that there are many other types of claims in between but you get the point unless you’re purposely missing it.)“Americans deserve what every other country has and that is a healthcare system that takes care of them and doesn’t force them to choose between food and paying for insurance.”
If Americans would have the same culture as the countries you have in mind they’d be able to have the same kind of healthcare systems. (Not that I’m jealous of the health care that they have in Canada or the UK.)
“Why should we have Medical Debt or people declaring bankruptcy due to it even after they have paid their insurance premiums?”
Again, it’s the people that milk the system that ruin it for everyone. If all work able people would get jobs that provide health insurance and start living a healthier lifestyle there would be more premiums being paid and less medical claims. It would be a non-issue to pay the premiums and other medical costs for those people who legitimately can’t take care of themselves and medical debt would slowly go away.
Before the ACA came out I had a generous health insurance plan with a $250 annual deductible. I was paying about $200 per month in premiums and my employer was paying about $1,200 per month. After the ACA came out I had a less generous health insurance plan, was paying around $400 per month, my employer was paying about $1,400 per month and the deductible was $7,500 per year. I couldn’t afford the extra close to $10,000 and may have gone bankrupt if I didn’t move to a cheaper location and switch jobs. Was it fair to my family to have to move from the only home they ever knew and for me to have to switch from the only corporate job I had at the time so that I (and hard working, responsible people like me) could pay the health insurance costs of those who chose not to take care of themselves?
“2) “If people that are attracted to others of the same gender would get the psychological help that they need the toeva crisis would be a non-issue.”
I don’t think that is the Republican view. Even if it is their view, it is totally false.”Instead of just saying that it’s totally false can you please explain why?
Much of what I’m going to post was already posted but you ignored it- therefore I’m going to write it again. Instead of ignoring your post I took the time to respond to each of your points and I trust that you will reciprocate.
Republicans want to make it easy for people to take responsibility for themselves so the government can take a step back while the Democrats are creating a culture where people cannot take responsibility for themselves, thus relying on the government, voting Democrat and keeping those politicians in power.
Many of the pressing issues that you’ve brought up in the past would be non-issues if people took responsibility for themselves and didn’t get them into situations where they need the government to take care of them.
For example:
If people would only take out student loans for degrees where they can realistically pay back their loans (i.e. STEM instead of Gender Studies) the student loan crisis would be a non-issue.
If people would take care of their health, not overdose on drugs, not smoke and not do dangerous things the health insurance affordability crisis would be a non-issue.
If people would take the proper precautions to ensure that they don’t become pregnant- the abortion crisis would be a non-issue.
If people would follow the law and not commit crimes the cashless bail crisis would be a non-issue.
If people that are attracted to others of the same gender would get the psychological help that they need the toeva crisis would be a non-issue.With that being said I’m going to address what I think you were trying to write in your post.
You ask what Lo Taaseh’s the Republican Party follows?
The short answer is every Lo Taaseh that the Democratic party follows plus the Lo Taaseh of murder and immoral marriages. Abortion and gun control are two very different things and you know this. Guns have good uses and unfortunately bad uses. If you can somehow get guns out of the hands of bad people it’ll be a different equation- until then good people need guns to protect themselves against bad people that have the guns illegally. (Your problem with guns is that without guns good people need to rely on the government instead of being able to take care of themselves.)
Virtually all abortions could have been avoided if the mother would have taken appropriate steps earlier on. There are virtually no good abortions- it’s a selfish act by a person who has no problem denying a person the possibility of graduating so that they can graduate, denying a person the joy of socializing with friends so that they can socialize with their friends…
I have no idea what you’re talking about in your second paragraph but I’m going to take a wild guess and assume that you’re complaining that Republicans don’t like the generous entitlements that the Democrats are wasting by paying people not to take care of themselves. I may be wrong but I don’t think there’s a mitzvah to take money from someone who needs it and give it to someone who wouldn’t otherwise need it. I also think that there’s no mitzvah in giving entitlements to people to keep them in the cycle of poverty. (As I mentioned before in other threads, if entitlements would only be giving to those who for mental or physical reasons can’t sustain themselves as well as those who are temporarily down on their luck, the entitlement crisis would be a non-issue.)
You mention Avoda Zara, Aver min Hachay, White Collar Gezeila, Other forms of Giluy Arayos?
I don’t beleive either party is against Avoda Zara, Aver min Hachay or Giluy Arayos. White Collar Gezeila? Again- I’m not sure what you’re referring to there but the Republicans are against theft while the Democrats don’t seem to have an issue with that (releasing criminals multiple times per day on cashless bail…). You also have to keep in mind that just about all politicians are not role models in their personal lives- you’re voting for them for their policies, not the way they act.
(As a side point- you mention Giluy Arayos, while Former President Trump’s behavior around women is nothing to be proud of, it’s technically not Giluy Arayos, while it’s common knowledge that President Biden started living with Jill while she was married to someone else- a gross violation of Giluy Arayos- but I don’t recall you ever having an issue with that.)
I also noticed that you surreptitiously left out one of the Sheva Mitzvos Bnai Noach- the one regarding Dinim, establishing laws and a system of courts. I see the Republicans taking this seriously- President Trump nominated three amazing justices who follow the Constitution to the letter and even voted against the president who nominated them when they felt his claim wasn’t within the law. On the other hand- take a look at the Democrats- President Obama nominated a justice to the supreme court that had zero experience as a judge, President Biden nominated a justice that is either clueless regarding the Constitution or has no respect for the Constitution (based on the number of her earlier rulings that were overturned). Not only that- she was nominated solely for her gender and skin color even though she couldn’t even define what a woman is!
Why would I want to live in any of the countries you mentioned? There’s a difference between not wanting those grotesque parades or perverts in female locker rooms. Most Republicans would have no issue with consenting adults doing whatever they want behind closed doors as long as they don’t shove it in everyone’s face. As I mentioned before the issue is with the redefinition of what a marriage is. (You seem to think that it’s just a silly piece of paper so who cares. It more than that- for starters think about the orphans that will end up being placed in these dysfunctional marriages- would they have any chance of growing up normal?)
You’re seriously out of your mind if you think that Republicans are trying to restrict my ability to live as a Frum Yid. I don’t see the Republicans starting up with Yeshivas and telling them that they need to teach subjects that are totally against what we believe in.
Would you be able to give some examples of how they’re restricting our ability to live as Frum Yidden?
You wrote this before, “ republicans who have no positive commandments and only have 2 negative ones (Abortion and Immoral Lifestyles.)” but I have no idea what you’re talking about.
Would you mind explaining?
Thanks
I think my Tefillos are working.
@Mr. Eliezer
Why is it so hard for a Liberal to have a normal discussion? You claim to be an intelligent person and I have yet to hear a Liberal back up their beliefs with a valid claim.
I’ve tried having diplomatic discussions with you and other posters who share your political views but I either get no response, an attempt at a personal attack to try and discredit me, a lame excuse (e.g. I have a response but I’m not going to write it) or some sort of mussar that we’re all Yidden so we should try to get along.
Trust me, I love everyone here and would drop everything to help anyone in anyway that I can. I daven for all you Liberals that you should do Teshuva before it’s too late. I judge everyone ??? ???? but ??? knows the truth.
When Social Security was created the Democratic Party could be looked up to. The Democratic leadership of those days would be considered Republicans if they were still around.
@Mr. Eliezer
There are plenty of entry level openings out there that require no skills (e.g. flipping burgers and stocking shelves). One can easily get a job without even graduating high school that will let them swim and grow from there. There are enough public schools out there that just about anyone can get a high school diploma for practically nothing. So, yes, he can make it on his own without skills or a springboard.
As I said earlier but you failed to address in your numerous posts-
“If the only ones getting handouts were those who are truly unable to swim on their own and those who are temporarily in a rough spot- the whole entitlement disaster would be a non-issue.”@Mr. Eliezer
Except possibly for those who are physically or mentally challenged the US provides many opportunities for everyone to swim on their own. If the only ones getting handouts were those who are truly unable to swim on their own and those who are temporarily in a rough spot- the whole entitlement disaster would be a non-issue.
I’m sure you realized by now that for some posters as long as their pushing their party’s agenda the truth is a mere inconvenience.
@coffee addict
If you think about it what it comes down to is that Republicans want people to take responsibility for themselves and the booming economy that former President Trump created made it easier for most people to do that.
Democratic politicians, on the other hand, do not care about anyone- they just care about their votes. They’re trying to create a society where it’s almost impossible to take responsibility for yourself and you become reliant on the government and continue to vote in those politicians.
If you say that you vote Republican because it’ll be better for you I’m going to guess that you take responsibility for yourself.
You’re correct that I was generalizing too much so I’m going to split it into a few more categories. Those that vote Democrat either:
1. Feel bad for the people who don’t take responsibility for themselves and mistakenly think that voting Democrat will help them and:
2. People who don’t take responsibility for themselves because:
A. The Democrats created a cycle of poverty that they are purposely keeping them in or
B. They legitimately can not take care of themselves due to a mental handicap or physical handicap.
Are there more people illegally killed by assault weapons every year or legally slaughtered before they’re even born?
You’re comment couldn’t be further from the truth. Our opinions are a complete opposite.
I hold that you can’t lie or purposely distort the facts even to promote a political party that doesn’t push agendas that are diametrically opposed to the Torah while you have no issue lying and purposely distorting facts to promote a political party that purposely promotes agendas that are diametrically opposed to the Torah. (Unless you know that it’s wrong but justify it because you want to make sure your opinion is heard.)
People who vote Republican vote that way because they take responsibility for themselves and want others to do the same. People who vote Democrat do so because it’s easier to vote Democrat than to get a job, raise a baby that you don’t want, stop committing crimes, get psychological help if you’re attracted to someone of the same gender or paying off student debts for degrees that won’t pay for themselves such as gender studies.
The people that I know that vote Republican at times voted Democrat until the party went too far to the left and fell off the cliff- hardly the kind of people you can accuse of voting Republican because they are brainless or brainwashed.
They didn’t win more seats because of the brainless people who are programmed to vote Democrat without thinking of the damage that it’ll cause and because it’s easier to vote Democrat than to get a job, raise a baby that you don’t want, stop committing crimes, get psychological help if you’re attracted to someone of the same gender or paying off student debts for degrees that won’t pay for themselves such as gender studies.
It may work in the short term for those who voted Democrat but it’ll hurt them in the long term.
I’m very confident that if there was an exam requirement to vote (that showed that the voter knows what each party represents) the outcome would be different.
Interesting choice of words- but again you purposely left out the critical points. I’ll rewrite your last sentence with the missing words.
The Republicans know <not> only how to point out issues <but to solve them as well> but <unfortunately> have absolutely zero ability to solve them <while the Democrats, who are intent on destroying the country and implementing their perverted ways, are in control of the White House, Senate and Congress>.
There, I fixed it for you.
@Reb Eliezer
Who cares about his attitude? I care about results. He’s a brilliant businessman who, without any prior political experience, was by far the best president ever. All this without taking advice from his advisors.
@Reb Eliezer-
She already proved that she’s our enemy and we can’t rely on her. Even if you don’t know if you can trust him you should vote for him since it can’t get much worse.
As far as his family is concerned- while him marrying a non-Jew is against Halacha it’s not immoral. Besides- we’re voting for him for his policies, not for the way he acts in his personal life.
If his marriage bothers you so much why did you vote for President Biden if he committed adultery with Jill while she was married to someone else. That’s both against Halacha and immoral.
Are you ??? insinuating that if not for the NYS DOE interference he would have said to vote Democrat? Do you plan to vote Republican since that’s what ??? ???? advised to do?
I was referring to the one that seems to have done a 180 within the past week.
(I did take an early retirement from the Coffee Room about 10 years ago- not sure if you remember what happened back then- and made an annual guest appearance on April 1st. Now that I’m back from retirement, albeit in a different capacity, I don’t make a grand appearance on April Fools.)
Please be ?? ??? ???? that he realized his mistake and did ?????.
The information should be readily available online but here’s an oversimplified explanation of how I believe the lottery works. The PowerBall (and MegaMillions) is a multi-state game so there are more people playing than a typical lottery.
Let’s say a ticket is $2, for each ticket sold the jackpot increases by $2 but only 65% of the ticket sale needs to go to the jackpot (since it’s annuitized over 20 payments or a lump sum of much less is paid out). 10% or so goes to the retailer, I’m not sure how much is set aside for smaller prizes (although the expected value could be easily calculated) and the rest goes to the gaming commission which distributes the bulk of it to stuff that taxes would otherwise pay for.
Let’s say someone just one the lottery and cleared out the jackpot. Actuaries will estimate that say 10,000,000 million tickets will be sold, therefore they’ll estimate the jackpot at $20,000,000. With roughly 300,000,000 possible outcomes and 10,000,000 tickets sold- the odds of a winner are 1/30.
If no one wins there’s already $20,000,000 in the jackpot. Actuaries will estimate that they can raise the estimated jackpot to $45,000,000 since at that size 12,500,000 tickets will be sold. With each subsequent drawing that no one wins the jackpot goes higher and even more tickets are sold.
The past drawing was for an estimated $1,000,000,000 and no one won. If the next estimated jackpot is $1,200,000,000 that means that 100,000,000 tickets are estimated to be sold and the chances of a winner are 1/3.
The previous drawing was on a Monday and the next one is on a Wednesday. Had the previous drawing been on a Wednesday with the next one on a Motzaei Shabbos the estimate jackpot would have been much higher. Actuaries took into account that the time between the two drawings is two business days and no weekends or legal holidays.
I wouldn’t add on to my house since I’m happy with what I have. I wouldn’t fly any class except coach since I think it’s a waste to spend so much money when I’m perfectly comfortable in coach. If I was forced to upgrade I’d try to trade with someone who doesn’t look comfortable in coach.
Given the choice I’d take the lump sum so I can give it to those people or organizations who need it more than I do sooner rather than later.
First comes the list of things I wouldn’t do.
I wouldn’t-
Quit my job,
Fly any class besides coach,
Add on to my house,
Own a luxury vehicle,
Make a donation anywhere in my own name,
Donate buildings to Yeshivas (I think the campaigns are beautiful and give thousands of people the zechus to be part of it),
Let my kids know.As far as what I would do- mainly look around to see what kind of voids I can fill in the kehila.
Create a Gemach that helps people help themselves (e.g. provide assistance in finishing their education…),Get Shadchanim under control (e.g. create a training course and certification so that people don’t wake up one morning and say “I’m a Shadchan”… Have some sort of discipline process for Shadchanim who don’t follow the rules- up to losing their certification and being banned from suggesting shidduchim.)
Have a fund of say $5,000,000 to co-sign a mortgage application for families struggling to pay tuition and can’t come up with money for a down payment.
Some other projects but I assume you get the idea.
The above analysis was made using a guaranteed rate of 5% for the entire duration. If the winner wants to try for a higher rate of return he/she could try riskier investments, the lottery commission can’t take that chance.
The advantage of taking it earlier is in case the lottery goes bankrupt or the government raises the tax rates later on.
The advantage of going for the annuity is if the interest rates drop to .1% or something and the winner is still getting paid as if it’s 5%.
Assuming interest is always a constant 5% there’s no advantage.
If all the money is put straight into the bank once received the future values are exactly the same.
With the lump sum payment the value of the payment will be 50,000,000 x ((1-(1/1.05^20)))/.05) x 1.05 = 654,266,042.98. After 19 years (when the 20th payment is made) the future value will be 654,266,042.98 x 1.05^19 = 1,653,297,705.14.
With the annuity option the year number, payment number, payment amount, present value at time 0 and value of the payment at time 19 (when the last payment is made) is as follows:
(Hope this copies from Excel nicely)
Time Payment # Payment Present Value at Time 0 Value at Time 19
0 1 50,000,000.00 50,000,000.00 126,347,509.77
1 2 50,000,000.00 47,619,047.62 120,330,961.68
2 3 50,000,000.00 45,351,473.92 114,600,915.89
3 4 50,000,000.00 43,191,879.93 109,143,729.42
4 5 50,000,000.00 41,135,123.74 103,946,408.97
5 6 50,000,000.00 39,176,308.32 98,996,579.97
6 7 50,000,000.00 37,310,769.83 94,282,457.12
7 8 50,000,000.00 35,534,066.51 89,792,816.30
8 9 50,000,000.00 33,841,968.10 85,516,967.91
9 10 50,000,000.00 32,230,445.81 81,444,731.34
10 11 50,000,000.00 30,695,662.68 77,566,410.80
11 12 50,000,000.00 29,233,964.45 73,872,772.19
12 13 50,000,000.00 27,841,870.91 70,355,021.13
13 14 50,000,000.00 26,516,067.53 67,004,782.03
14 15 50,000,000.00 25,253,397.65 63,814,078.13
15 16 50,000,000.00 24,050,854.90 60,775,312.50
16 17 50,000,000.00 22,905,576.10 57,881,250.00
17 18 50,000,000.00 21,814,834.38 55,125,000.00
18 19 50,000,000.00 20,776,032.74 52,500,000.00
19 20 50,000,000.00 19,786,697.85 50,000,000.00
Total 1,000,000,000.00 654,266,042.98 1,653,297,705.14So either way, the future value at year 19 (when the 20th payment is made) with interest is 1,653,297,705.14.
Of course if the winner is a savvy investor that number could be significantly higher.
Is that what you were asking?
Technically it’s the same as the net present values are equal to each other.
It’s actually two different reasons. Years ago jackpots were annuitized over say 20 year with the first payment paid this year and 19 additional equal payments. More recently different state lotteries have allowed users to choose to get the full amount (pre-tax) in 20 equal payments or the present value (also pre-tax) right away.
I can show you the annuitization calculations but it’s kind of boring.
Regardless of the winners choice the winnings are heavily taxed.
I heard Reb Malkiel Kotker speaking once and he said that it’s OK to buy one ticket but buying more than one is a lack of bitachon.
Given that I’m sure BMG would accept a donation.
Are you just going to go ahead and vote for the people who created this mess in the first place since you think his plan might not work?
Welcome back, hope you had an inspirational Rosh Hashanah and Yom Kippur.
In case you missed his plan you can rewatch the debate. For starters he plans to get rid of the DA and end cashless bail on day 1.
At least he thinks. (That’s much more than you can say for your leader.)
If I had to guess the heter was meant to be a last resort when all else has already failed. If she’s alive and well there’s still a chance that she’ll come to her senses or they’ll reconcile.
Do you have any more information on the cases where Reb Moshe allowed Bachurim to sign a heter? I’m curious to know if it was cases where the wife refused to accept the gett or cases after the war where husbands couldn’t track down if their wives were still alive.
I’m definitely not the expert in this area. There are definitely more situations- I picked a simple one (e.g. where she is in a vegetative state or disappeared) and a difficult one (e.g. where she’s disputing that the marriage is over, claims everything he said is untrue and claims that for the kids sake they should stay together and each Rov needs to thoroughly investigate the case and decide if he should sign on or not). Of course there are many situations in between.
I was under the impression that the signatories have to be in 100 different cities in 3 different countries or continents and I honestly have no idea if they each need to sign the same document in person or if an email will suffice.
I’m not trying to nitpick your post but aside from the mesader at a future wedding (which could easily be anyone) his future wife also needs to agree that it’s valid. It would be a shame to get a heter and then get engaged only to find out that his future wife wants it done differently and he needs to start all over again.
The intention of the heter was for the husband (or a messenger) to literally travel all over the world to present their case and get 100 Rabonim to sign on. Even in the easiest of cases (e.g. where the wife is in a vegetative state or disappeared a number of years ago and hasn’t been seen since) the traveling itself can be cost prohibitive. In this case, where the wife clearly hasn’t disappeared and isn’t in a vegetative state, on top of the traveling the person also has to present his side of the story and the Rov will try to contact the wife who will dispute everything he says. This will make the process significantly longer if at all possible.
Part of the cherem is that the gett can’t be forcefully given and there may be places where someone will walk into a Kollel and as 100 Yungeleit to sign on but it’s probably not universally accepted.
I’m general debt can be divided into two groups- healthy debt and unhealthy debt. Taking out student loans that will increase a persons earnings by $4,000 a month while the person pays $500 a month in student loans for six years is a healthy debt. Taking out student loans for a degree in gender studies where the student will stock shelves at Walmart for $15 an hour while owing $3,000 per month in student loans is unhealthy debt.
Republicans aren’t trying to keep people in debt per se, they’re trying to make people take responsibility for themselves so the Government can take a step back. There’s only so much help the Government could provide if everyone threw the burden of their bad decisions onto the Government.
As with everything in life- there’s a risk involved and the risk has to be calculated to determine the level of risk one is willing to take. As a simple example- say someone takes out an insurance policy for $1,000,000 and the company needs to know how much cash to keep on hand in case the person dies. It would be foolish to say that they’re not going to hold anything “because it’s such a small chance that the person will die”, while on the other hand it wouldn’t be profitable to hold the entire $1,000,000. An actuary can calculate the perfect amount to set aside but ultimately (regardless of whether the actuary did the calculation properly) the company is responsible to pay the claim. If the company can’t pay out it’s ultimately the policy holder who will suffer for not choosing a reputable enough company.
From what I understand there weren’t too many details disclosed regarding what went wrong with the restaurant in question. From a risk point of view the certifying agency has to determine the amount of risk they are willing to take (from simply taking the owners word for it and having no supervision to having armed guards, metal detectors and raw chicken sniffing dogs stationed 24/7 at each point of entry). So unless it can be proven that ????? didn’t follow his responsibilities 100% he shouldn’t be held responsible and regardless of that outcome the certifying agency needs to take responsibility.
If someone is trying to circumvent the controls (e.g. locks where the owner isn’t given a key, alarm systems where the owner doesn’t have the code, surveillance cameras that someone externally is monitoring…) it’s going to take a lot to stop them. You’d be surprised at the covert things we’d come up with in high school. How long do you think it took us to remove the doorknob on an empty classroom and replace it with an exact replica? We then had all afternoon to impression a key for the lock and swap it back in to the door. How long do you think it took someone to climb into the drop ceiling near the alarm wire for a particular door and stick a staple or safety pin through the alarm wire to bypass it? And the surveillance camera- it was easily blocked with streamers and balloons for a supposed birthday party. When the principal came the next day he had no idea that some late notes were taken from his drawer (unless he counted them before he left and recounted them when he came back).
Were there additional steps that could have been taken? Sure! Have each doorknob affixed with tamper proof screws, have end of line resistors installed on the alarm system, have a security company monitor the camera and send someone out immediately if it gets blocked. There also could have been motion sensors and heat sensors installed in his office. But ultimately it comes down to making a calculated decision on the proper amount of precautions that are needed. And the consumer has to decide if they have enough trust in the agency that they have the proper level of control.
It would be nice if everyone was ehrliche and comes to (and listens to) Bais Din but unfortunately that’s not the case.
From the three general categories that I believe the heter was created for:
1. The wife has simply disappeared (i.e. her whereabout are unknown),
2. The wife is in a coma or mentally unfit to accept a get and
3. The wife simply refuses to accept the get,
The first two are negated once the wife competently walks into Bais Din and the third one is negated if you’re under the assumption that she’s ehrliche, wants to do the right thing and is going to follow Bais Din.So given that we’re discussing the heter we’re under the assumption that both parties are not sitting in front of Bais Din as Ehrliche Yidden waiting for a Psak and fully intent on following it.
If the wife is fully competent and being obnoxious it’s easier for Bais Din if she refuses to show up than if she shows up, pretends to be the victim while spewing forth an infinite amount of sheker. In the former case the Bais Din will see who the aggressor is while in the latter case the Bais Din will have to sort through all the information and hopefully figure it out. That’s why I think her complying with the summons makes things more complicated for Bais Din.
If your starting assumption is that both parties are ehrliche Yidden, once the Bais Din tells him he can not divorce her- that’s the end of it- they’ll both leave and hopefully work things out on their own. An ehrliche person will not go ahead and find another Bais Din if they don’t like the ruling. The first Bais Din will probably not write up a get for him and give him the go ahead to start getting 100 signatures.
The point of the heter, in my opinion, was to not keep the husband chained forever due to unfortunate extenuating circumstances. As with anything in life that was created with good intent- there are those out there that will exploit it for horrible purposes which goes 100% against what the creators had in mind. The Heter Meah Rabonim is no exception.
You make a good point regarding the current state of Batei Dinim nowadays. If things worked a little better, even in the fragmented state of our communities, if a person is summoned to a Bais Din that he’s not familiar with he should be able to call a local Bais Din to see if they are legit or not (kind of like a hashgacha that he’s unfamiliar with). If research does show that it’s unfortunately a corrupt Bais Din, the litigants (who are hopefully only out for the truth and for what Hashem wants them to do) should be able to find a Bais Din that works for both of them.
When I got summoned to a Bais Din I never heard of a number of years ago I reached out to a dayan on a Bais Din that I was familiar with and trusted. He informed me that the particular Bais Din was as corrupt as they get (one of the dayanim was later arrested and is actually sitting in jail at the moment). Under the guidance of Daas Torah, I informed the plaintiff that I was not going to answer the summons but he is welcome to work with me on choosing a Bais Din that we both trust. He refused to even try that. This showed me that he wasn’t trying to get the emes (to say the least).
Thanks for the link you tried posting- it looks like I was mostly correct with what I wrote earlier with the exception of the dates.
I chose the case where she ignored the subpoena as then the get will possibly be written without her present, she’ll be notified that it’s waiting for her to pick it up and he can start the process (you wanted to know when he can start the process and that’s a simpler case).
If she responds to the subpoena and comes to Bais Din and the two of them can not agree on a single thing and decide to fight it out- it’ll get more complicated. If Bais Din sides with him and issues the get but she refuses to accept it- it’ll stay there until she decides to pick it up. Either way- once the get is written he can initiate the process. If Bais Din refuses to write a get maybe he’ll go ahead and find a different Bais Din- he may have to try multiple Batei Dinim until one sides with him. Either way- until a get is written and waiting for her to pick it up I don’t think he can proceed.
I can’t say what the Rabonim had in mind when they decided on the heter as I don’t even know the names of the Rabonim but I’d like to think that they took the following into account.
If the wife is R”L in a coma- it shouldn’t be too hard for any of the 100 Rabonim to verify the facts through witnesses and sign on. If the wife ignores the subpoena and the get is written in absentia- it may be a little harder but the 100 Rabonim should be able to verify the facts through witnesses and sign on. (It can be costly and time consuming if each ones tries contacting the wife to hear her side of the story and have her explain why she didn’t show up to a legitimate Bais Din, but it is doable.) If the husband kept getting told over and over again that he does not deserve a divorce until he was able to find a Bais Din that is willing to write one up – hopefully the 100 Rabonim that he approaches will catch on to what he did and not sign on.
What if he goes to three friends, calls them his Bais Din, has one of them write up a get and obtains permission to start the process (without his wife even knowing about it) and he gets 100 friends to sign on to the heter? This shouldn’t be too different than some guy calling himself a Rav Hamachshir and giving a Hashgocha- if you hold of the Rov you can go ahead and eat what he certifies, if not stay away from the food.
Similarly- If the husband has the certification that the get was written and 100 signatures that say he can go ahead a marry a second wife- if you trust the Bais Din and 100 signatories- let him marry your sister / daughter… If not- stay away.