Category Archives: bankruptcy

Romney’s Women “Issues”

My thoughts going into Tuesday’s Presidential Debate was whether Mitt Romney would be up front when questions were asked about Women’s Health Care issues. On many occasions he either avoids answering the question or takes an indirect approach giving a broad answer to leave a person wondering his answering is referring to.  It’s not  that he is confused about the question but simply avoiding answering. You see, Romney has either changed his position on policies so many times it has become difficult to say where he stands on many topics of Women’s health choices or he won’t flat out admit his position and risk losing a large amount of votes.

Here are some facts as Mitt Romney states himself.

Romney wants to just get rid of Planned Parenthood. Planned Parenthood is made up of more than 800 facilities across the nation that have been providing affordable healthcare to millions of young adults, women and families. This was started 96 years ago with one clinic opened by Planned Parenthood’s Founder, Margaret Sanger.  Services provided include lifesaving screening for breast and cervical cancers, affordable birth control, pregnancy testing as well as testing and treatment for HIV and access to safe abortions.

They are and always have been around to help young people learn more about their health, sex education, making the right choices and staying actively involved in their communities and reaching out to rural areas. For many women, this has been their only access to regular healthcare.

President Obama realized our country had a serious issue. Millions of Americans had no health insurance. Millions more were insured but were still unable to meet their financial obligations or were filing for bankruptcy due to overwhelming medical cost after their insurance companies had stopped paying claims. The reason stated was they had reached the policy’s “lifetime cap” or “yearly cap”. There were also the millions of Americans who were unable to get insurance coverage or become reinsured after becoming ill or surviving an illness like cancer, diabetes, COPD and numerous other diagnoses the companies would list as “pre-existing conditions”. It was as though the insurance companies were looking out for themselves.

Video- What does the new Affordable Care Act do for me? How does it work?

So, we have this crashing economy, people losing jobs, homes and President Obama made it one of his top priorities to fix the healthcare issue in the United States. Not his only priority but one of his top priorities.

Why?

If people are sick, they can’t work.

If people can’t see a doctor, they can’t get better.

If they go to a doctor, without having insurance coverage, they run up enormous bills which eat up their earnings, run into debt and can lead to bankruptcy

If their child is sick and they have no insurance, they can’t go to work, have to chose to either not take the child to the doctor or go without insurance and run up enormous bills (you see the pattern here)

If people are sick with something that is a preventable illness, don’t go to the doctor, the condition becomes chronic and often becomes fatal (i.e. blood pressure, high cholesterol, diabetes, asthma)

So, the idea of fixing the issue with affordable health care for those millions with health insurance doesn’t just get people insured. It helps people stay at work, know their kids can be healthy or see a doctor when they are sick, manage their income better, stay in their homes instead of losing them to bankruptcy due to medical bills and get people medical attention before many conditions become chronic or life threatening.

Well, Romney has some plans too…

Mitt’s idea of providing care for those without coverage – “We don’t just let them die…We pick them up in an ambulance”

Where could women receive care if Mitt takes away Planned Parenthood. He says, “They can go anywhere, it’s a free society.”

Romney doesn’t have much respect for women especially when it comes to policy but he smiles and says nice things for their votes, sometimes.

He does however have very opinionated views on Moms staying home to care for their children…

Get a job…to have some dignity…

Not sure how his wife feels about that statement but I feel my job, as a Mom, has been extremely important and my “Dignity Cup” is very full. Thanks, Mitt! Get some dignity for yourself.

Much of this election will certainly have effects on women. Since President Obama has been in office, he signed the Lilly Ledbetter Fair Pay Act, a bill the GOP blocked in 2007. To this point, Romney hasn’t said whether HE, HIMSELF supports this Bill or not. His campaign has bounced around statements recently finally landing on one saying Romney will not repeal it if he becomes president…

President Obama also extended funding for The Violence Against Women Act, something Romney has stated he wasn’t “familiar” with and still leaves unclear where he stands on this very important issue. In fact, if you go to Mitt Romney’s Campaign Website, look through his “issues” area, WOMEN are not even listed!! There are listings for regular things like; taxes, education, healthcare and foreign policy but then there is; Court and The Constitution, Gun Rights, Human Capital and Values (that is where abortion, Stem Cell research and marriage are).

There is always a lot at stake in any election. This election can bring about many changes that will either allow women to continue in the advancements that have already been made. These not only benefit women but their families, their businesses and all of America. Or, this election can bring about an unraveling of the progress that has taken place over decades for women, their rights, the ability to choose and the overall approach we take as Americans in what we are willing to give up and for what?

This is not just about women and their choices but this is about every American, our choices, our freedoms and our rights. In America, we are one. We are strongest when we see the strength within ourselves and in each other.

Women are all over America, Mr. Romney. We are in all job markets, Fortune 500 companies, every income bracket, the armed forces, teachers, doctors, scientists, engineers but that isn’t what makes us who we are. We are each individuals, living our lives, making our choices, struggling through situations and helping those we love along the way. The fact is we know who we are.

I promise you, we aren’t in binders or just sitting around in women’s groups waiting for someone to come find us as worthy for something. We are already there. We are voters who will be a major deciding factor in this election. We know who we are. Do you?

 

 

UPDATE:

Visit http://tracysolomon.me to read my response to some comments on this article.

Is the "American Dream" still possible?

Sure, there are those that have opportunity made available either by family means due to inheritance or acquaintances, people that have opportunities come to them because of their looks (i.e. models or actors that are just approached at some point) and of course those very rare occurrences of a lottery win or hitting the jackpot! Who doesn’t have that dream?

However, the belief has always been that if a person had set goals, studied and worked hard they could accomplish the “American Dream.” Many people have grown up and done just that and have lived to tell their own version of the “American Dream” and many people have come to the United States from every other country for that reason and have accomplished their dreams as well.

Although the dream may be different for each individual, basically the idea was being able to get an education, find a career, buy a home, have a family and work toward a decent retirement at an age a person could still enjoy a retirement.

Between a retirement plan at a person’s job and social security, a person could plan on retiring as long as they had worked along the lines of saving towards their goals. The “American Dream” seemed to be within reach more and more through the years. Even when times were hard through the 80’s and 90’s, people continued to work hard and focus on what lied ahead because that is what they had been taught to do and it still seemed promising, enough.

 

As the younger generations have been raised, their parents have brought them up with the understanding to get an education, work hard at your job, set money aside and you can plan toward retirement. The question of whether social security would be around for retirement for the younger generation was causing concern so people were leaning more toward investments and attaining a higher level of education to move along further in a career. “Hard work pays off”, was said to be the key to success.

 

However, is this something to plan on? How solid is long-term planning? How solid are a person’s investments? Is the “American Dream” something to even strive for anymore? Is it possible?

 

Not to sound pessimistic, but here are some recent lessons learned.

 

Many companies let their long term employees go along with their benefits and pension plans. Financially, it saves more to keep those employees with lesser benefits and lower pay doing the same job.

A big investment for an individual or family is their home. However, if that investment suddenly depreciates at the same time a person has their hours cut at their job or loses their job and they find themselves unable to pay the mortgage, that investment is suddenly the hook, line and sinker that leads them to bankruptcy. The home that was once a part of their “American Dream” is suddenly a part of a terrible nightmare.

 

Unemployment or even being cut back to part-time from full time can take a person’s health benefits or for an employer trying to keep their employees but still cut back cost, an employer might just cut healthcare across the board. Health care cost for people without insurance causes more bankruptcies than most anything else. Bankruptcy can take everything away from a person they have worked so hard to attain. That definitely isn’t part of the “American Dream” and having this happen to a person isn’t something anyone would plan on.

Many people that have been planning for retirement, saving for retirement or putting aside for that “rainy day”, have either ended up having to use that money to replace lost income, increased bills due to possible loss of benefits, or possibly helping out friends or family that are facing financial crisis. It is a good chance that everyone knows someone facing a financial crisis due to the recent recession. The economy is still in a crisis and so are families, small business and therefore America.

The “American Dream” to those that have lost a job and cannot find work is simply to hear, “you’re hired”. Ask the 99ers. These are people that have been without work 99 weeks or more. To have a group, a large group of people that have formed a name and been on several news networks now because they have not been able to acquire work for that long shows how bad the job market still is.
For those that have been able to keep their job and benefits, the concern lingers about how steady their employment is and how steady the economy is.

For those still owning their home, the concern lies with how steady the housing market is, home values, property taxes and what will happen with homeowners insurance. What is around the corner?
People are concerned, very concerned. Voters are concerned about the choices in Washington D.C. and what the consequences of those choices will be. What will be the long term effects of today’s decisions and the lack of decisions? Who are the politicians looking out for, really?
 What is today’s “American Dream”?