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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 1:41 pm 
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Big Chicagoan wrote:
Kirkwood wrote:
pittmike wrote:
Boilermaker Rick wrote:
pittmike wrote:
Caller Bob wrote:
Outside of the the initial cost, a plan with IPHONES, really is not much different than one with androids. It's the monthly data rates that drive the costs


My opinion is not exclusive to iphones. Even if you view a cell phone as a necessity you do not "need" anything more than something to talk and text on. You do not need a computer in your hands doing everything possible. Don't get me wrong I am not denying anyone to do what they please. Just don't complain you have no money without exploring the difference between needs and wants.
A lot of people are using smartphones in place of having a computer though. Email is vital to living and working in America now too.


Most people are doing both though. They have the smart phone as well as the PC and internet at home. Need the wi-fi too. I follow what you are saying but you cannot deny for some societal reasons people no longer have the same ideas when it comes to what is necessary. In my own situation I need a car for sure. I do not need a $90,000 car.

You need a PC/Laptop and internet in today's society. Those two items have developed into essential resources.


You literally do not need internet access and/or a cell phone on a daily basis. Do you need access to a phone? Sure. Do you need access to the internet? Sure. But it is not life and death if you have a landline and go to the library to use the computer.

The federal government disagrees with this statement. That's just a fact.

Also a landline is a terrible investment in 2017. People are better of with an internet connection and using VOIP.


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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 1:46 pm 
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A PSTN phone line will run you around 40-50 month. For around the same cost you can get basic Internet and then use that for all your communications


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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 1:46 pm 
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Imagine someone comes in for a job interview. On their resume, it doesn't have an email address and it doesn't have a phone number. You ask them and they say that they don't have email or a phone. What are the odds you hire that person?

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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 1:47 pm 
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Chus wrote:
It's all from the playbook to demonize those who are less fortunate.

Not everybody who is struggling is doing so because they recklessly live beyond their means. To suggest otherwise, like Mr. Chaffetz did with his dog whistle, is insulting and ignorant.


Very wrong.[/quote]

How so?[/quote]
This oughta be good.[/quote]

No kidding.

I'm not saying that there aren't people who recklessly live beyond their means. I know some. To suggest, as Mr. Chaffetz does, and Mike appears to, that everybody who can't afford health insurance lives recklessly, is beyond ridiculous. I can't believe that this even needs to be said.

Cell phones and internet access are not luxuries in 2017, just as shoes and coats are not.[/quote]

For the record I never said this. I made my point as globally as possible. It does not even need to be about cell phones to see that people today have different views or wants versus needs. This is as true for people with money as without. We all can probably recall a story of a median or above salaried relative or neighbor complaining they have no extra money. That while they are choking on the payment to two leased Audi's they do not need in the driveway of the house with 5 bedrooms and 4 baths.

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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 1:50 pm 
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Caller Bob wrote:
The federal government disagrees with this statement. That's just a fact.

Also a landline is a terrible investment in 2017. People are better of with an internet connection and using VOIP.


You have said this a couple times. Can you clarify? You seem to make it sound as if the IRS gives approval and allows some sort of deduction for home internet and cell phone costs.

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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 1:53 pm 
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pittmike wrote:
Caller Bob wrote:
The federal government disagrees with this statement. That's just a fact.

Also a landline is a terrible investment in 2017. People are better of with an internet connection and using VOIP.


You have said this a couple times. Can you clarify? You seem to make it sound as if the IRS gives approval and allows some sort of deduction for home internet and cell phone costs.

On your taxes you have to qualify it as a business expense. But if you are trying to negotiate a tax debt with the IRS, Food, shelter, transportation, and communications are all expenses they view as necessary and will take into account for your AGI.

I didn't have a tax problem, I had to negotiate on some student loans and they use the same IRS templates.


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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 1:56 pm 
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Shit I put down I needed $150 a month for phone and Internet and they didn't bat an eye, but I had to prove with receipts my medical expenses outside of premium payments :lol:


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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 2:23 pm 
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Boilermaker Rick wrote:
Imagine someone comes in for a job interview. On their resume, it doesn't have an email address and it doesn't have a phone number. You ask them and they say that they don't have email or a phone. What are the odds you hire that person?


I'd list a home phone.

Don't you think in the least that having a cell phone has made us too connected?

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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 2:25 pm 
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Crystal Lake Hoffy wrote:
Boilermaker Rick wrote:
Imagine someone comes in for a job interview. On their resume, it doesn't have an email address and it doesn't have a phone number. You ask them and they say that they don't have email or a phone. What are the odds you hire that person?


I'd list a home phone.

Don't you think in the least that having a cell phone has made us too connected?
A home phone is more expensive than a cell phone with less features.

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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 2:26 pm 
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Crystal Lake Hoffy wrote:
Boilermaker Rick wrote:
Imagine someone comes in for a job interview. On their resume, it doesn't have an email address and it doesn't have a phone number. You ask them and they say that they don't have email or a phone. What are the odds you hire that person?


I'd list a home phone.

Don't you think in the least that having a cell phone has made us too connected?


A home phone is now like a typewriter or a record player.

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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 2:29 pm 
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Boilermaker Rick wrote:
Crystal Lake Hoffy wrote:
Boilermaker Rick wrote:
Imagine someone comes in for a job interview. On their resume, it doesn't have an email address and it doesn't have a phone number. You ask them and they say that they don't have email or a phone. What are the odds you hire that person?


I'd list a home phone.

Don't you think in the least that having a cell phone has made us too connected?
A home phone is more expensive than a cell phone with less features.

I've tried to explain that to him five times now, I don't think he understands.


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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 2:30 pm 
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Again, he used cell phones as an example, but I think he is right that it is simply an example, and a microcosm, of how people blur what is a mandatory and discretionary expense. If you are unable to afford health insurance, you need to make cuts and you can just as easily get a very cheap smartphone. Having an iPhone is not mandatory. Similarly, I know I need to spend money to improve my house. I haven't overspent to upgrade and design, so it looks kind of shitty inside, but I instead used that money for key items like a furnace, roof and capping. Because I know keeping my house is mandatory, we don't take vacations every year, and the one we do take is all written off as a business expense. I can prioritize the difference between mandatory and discretionary. Many can't.

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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 2:30 pm 
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This is about what most can use to do everything on a budget...

https://www.walmart.com/ip/TracFone-ZTE ... e/51413982

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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 2:31 pm 
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Crystal Lake Hoffy wrote:
Again, he used cell phones as an example, but I think he is right that it is simply an example, and a microcosm, of how people blur what is a mandatory and discretionary expense. If you are unable to afford health insurance, you need to make cuts and you can just as easily get a very cheap smartphone. Having an iPhone is not mandatory. Similarly, I know I need to spend money to improve my house. I haven't overspent to upgrade and design, so it looks kind of shitty inside, but I instead used that money for key items like a furnace, roof and capping. Because I know keeping my house is mandatory, we don't take vacations every year, and the one we do take is all written off as a business expense. I can prioritize the difference between mandatory and discretionary. Many can't.
You can get an iphone basically for free now.

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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 2:32 pm 
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Joe Orr Road Rod wrote:
Crystal Lake Hoffy wrote:
Boilermaker Rick wrote:
Imagine someone comes in for a job interview. On their resume, it doesn't have an email address and it doesn't have a phone number. You ask them and they say that they don't have email or a phone. What are the odds you hire that person?


I'd list a home phone.

Don't you think in the least that having a cell phone has made us too connected?


A home phone is now like a typewriter or a record player.


hey now


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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 2:32 pm 
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Boilermaker Rick wrote:
Crystal Lake Hoffy wrote:
Boilermaker Rick wrote:
Imagine someone comes in for a job interview. On their resume, it doesn't have an email address and it doesn't have a phone number. You ask them and they say that they don't have email or a phone. What are the odds you hire that person?


I'd list a home phone.

Don't you think in the least that having a cell phone has made us too connected?
A home phone is more expensive than a cell phone with less features.


For you, maybe.

I pay $30 a month for the home phone and it can be used by all family members. I also have three laptops which serve all the functionality of the smartphones I pay for.

I pay $180 for three cell lines and data. My daughter uses it for NetFlix and texting. My wife uses it for texting and candy crush. Are those the big pluses?

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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 2:33 pm 
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pittmike wrote:
This is about what most can use to do everything on a budget...

https://www.walmart.com/ip/TracFone-ZTE ... e/51413982

What are the data rates?


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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 2:34 pm 
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Boilermaker Rick wrote:
Crystal Lake Hoffy wrote:
Again, he used cell phones as an example, but I think he is right that it is simply an example, and a microcosm, of how people blur what is a mandatory and discretionary expense. If you are unable to afford health insurance, you need to make cuts and you can just as easily get a very cheap smartphone. Having an iPhone is not mandatory. Similarly, I know I need to spend money to improve my house. I haven't overspent to upgrade and design, so it looks kind of shitty inside, but I instead used that money for key items like a furnace, roof and capping. Because I know keeping my house is mandatory, we don't take vacations every year, and the one we do take is all written off as a business expense. I can prioritize the difference between mandatory and discretionary. Many can't.
You can get an iphone basically for free now.


For the older model, yes. But people, like the example I gave earlier, HAVE to have the latest, which gets baked in now as part of your monthly bill.

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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 2:34 pm 
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Big Chicagoan wrote:
healthcare (not necessarily affordable access).



Dipshit wrote:
"So rather than getting that new health care plan that they just love and want to go spend hundreds of dollars on that, maybe they should invest in modern communication tools, like smartphones, so they can be better job hunters."
"They've got to make those decisions themselves," Dipshit added.

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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 2:36 pm 
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Crystal Lake Hoffy wrote:
Boilermaker Rick wrote:
Crystal Lake Hoffy wrote:
Boilermaker Rick wrote:
Imagine someone comes in for a job interview. On their resume, it doesn't have an email address and it doesn't have a phone number. You ask them and they say that they don't have email or a phone. What are the odds you hire that person?


I'd list a home phone.

Don't you think in the least that having a cell phone has made us too connected?
A home phone is more expensive than a cell phone with less features.


For you, maybe.

I pay $30 a month for the home phone and it can be used by all family members. I also have three laptops which serve all the functionality of the smartphones I pay for.

I pay $180 for three cell lines and data. My daughter uses it for NetFlix and texting. My wife uses it for texting and candy crush. Are those the big pluses?

You are pissing $30 bucka a month away. You can buy a VOIP device and use your intrent for phones. If you disconnect your pstn at the point of service outside your house you can even use your existing phone cabling too


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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 2:38 pm 
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Boilermaker Rick wrote:
You can get an iphone basically for free now.

Thanks Obama

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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 2:39 pm 
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Boilermaker Rick wrote:
Crystal Lake Hoffy wrote:
Again, he used cell phones as an example, but I think he is right that it is simply an example, and a microcosm, of how people blur what is a mandatory and discretionary expense. If you are unable to afford health insurance, you need to make cuts and you can just as easily get a very cheap smartphone. Having an iPhone is not mandatory. Similarly, I know I need to spend money to improve my house. I haven't overspent to upgrade and design, so it looks kind of shitty inside, but I instead used that money for key items like a furnace, roof and capping. Because I know keeping my house is mandatory, we don't take vacations every year, and the one we do take is all written off as a business expense. I can prioritize the difference between mandatory and discretionary. Many can't.
You can get an iphone basically for free now.


That free phone is built into the rates you pay monthly I would guess.

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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 2:39 pm 
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My wife doesn't trust VOIP. Yes, I know she is wrong, but she doesn't. She is worried about the power going out. Also, the call quality she experienced with it was shit. Finally, UVerse is completely unstable at my house so it would drive me nuts when I couldn't get a call that I actually needed.

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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 2:41 pm 
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Caller Bob wrote:
pittmike wrote:
This is about what most can use to do everything on a budget...

https://www.walmart.com/ip/TracFone-ZTE ... e/51413982

What are the data rates?


I am not certain but I think you reload it for $20-30 per month or something.

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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 2:41 pm 
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Crystal Lake Hoffy wrote:
Boilermaker Rick wrote:
Crystal Lake Hoffy wrote:
Boilermaker Rick wrote:
Imagine someone comes in for a job interview. On their resume, it doesn't have an email address and it doesn't have a phone number. You ask them and they say that they don't have email or a phone. What are the odds you hire that person?


I'd list a home phone.

Don't you think in the least that having a cell phone has made us too connected?
A home phone is more expensive than a cell phone with less features.


For you, maybe.

I pay $30 a month for the home phone and it can be used by all family members. I also have three laptops which serve all the functionality of the smartphones I pay for.

I pay $180 for three cell lines and data. My daughter uses it for NetFlix and texting. My wife uses it for texting and candy crush. Are those the big pluses?
$30 a month? That seems low for a land line unless it is local only and that is a waste.

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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 2:42 pm 
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pittmike wrote:
Boilermaker Rick wrote:
Crystal Lake Hoffy wrote:
Again, he used cell phones as an example, but I think he is right that it is simply an example, and a microcosm, of how people blur what is a mandatory and discretionary expense. If you are unable to afford health insurance, you need to make cuts and you can just as easily get a very cheap smartphone. Having an iPhone is not mandatory. Similarly, I know I need to spend money to improve my house. I haven't overspent to upgrade and design, so it looks kind of shitty inside, but I instead used that money for key items like a furnace, roof and capping. Because I know keeping my house is mandatory, we don't take vacations every year, and the one we do take is all written off as a business expense. I can prioritize the difference between mandatory and discretionary. Many can't.
You can get an iphone basically for free now.


That free phone is built into the rates you pay monthly I would guess.
You have to sign a contract but the phone is almost free.

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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 2:44 pm 
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Crystal Lake Hoffy wrote:
My wife doesn't trust VOIP. Yes, I know she is wrong, but she doesn't. She is worried about the power going out. Also, the call quality she experienced with it was shit. Finally, UVerse is completely unstable at my house so it would drive me nuts when I couldn't get a call that I actually needed.


My wife is the same as way. She will not give up her land line. i don't think I've used it for anything in 8 years. Used to have to use it as our cell reception in the house was so bad I never trusted the phone not to drop calls.


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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 2:46 pm 
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Boilermaker Rick wrote:
Crystal Lake Hoffy wrote:
Boilermaker Rick wrote:
Crystal Lake Hoffy wrote:
Boilermaker Rick wrote:
Imagine someone comes in for a job interview. On their resume, it doesn't have an email address and it doesn't have a phone number. You ask them and they say that they don't have email or a phone. What are the odds you hire that person?


I'd list a home phone.

Don't you think in the least that having a cell phone has made us too connected?
A home phone is more expensive than a cell phone with less features.


For you, maybe.

I pay $30 a month for the home phone and it can be used by all family members. I also have three laptops which serve all the functionality of the smartphones I pay for.

I pay $180 for three cell lines and data. My daughter uses it for NetFlix and texting. My wife uses it for texting and candy crush. Are those the big pluses?
$30 a month? That seems low for a land line unless it is local only and that is a waste.


I know, its surprising, but we have had it for a while and I get limited long distance. At some point I'm sure they will raise the rates and force me over to VOIP.

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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 3:03 pm 
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denisdman wrote:
I got into a discussion with an older gentlemen when I first entered the workforce after finishing my undergrad work. It was the mid-90's, and he said people are just losing ground every day. I went home and thought about it. And even back then you could see all the money people were spending that wasn't being spent in the 1960's:

Cable bills
Eating out regularly
Multiple tvs
Computers
Expensive gas and long commutes
Nearly everyone owns two cars
Houses that are much larger

Fast forward to today, and we've added things like:
High speed internet
Cell phones bills with the accompanying phone costs
Silly levels of medical costs. Just the sheer numbers of meds being consumed and the advancement in procedures
College tuition is both more expensive and widely used
Toll roads?

So while it is a shame that the middle class has stagnated and even regressed, many of the reasons are obvious. The average middle class person has more material wealth, while clearly being in a more precarious financial position. It doesn't mean we shouldn't try to solve declining social mobility and the massive wealth gap. But it's not as simple as, "things are worse today."


Of the ones you've added, how many are you blaming on consumers? Internet is basically a utility these days. Rising medical costs are beyond our control. Rising college costs are beyond our control. You don't have to take the tollway but circumnavigating it probably uses more gas, the rising price of which is also beyond our control. So basically you're left with people don't need iPhones if they have laptops and regular phones. But that doesn't account for housing bubbles pushing families out to the exurbs for cheaper land but longer commutes, or eating out more often because parents don't want to labor over meals in a two-income household, or both working parents requiring cars because public transit doesn't serve them. This is all stuff that's bigger than your middle-class family of four and their decisions.

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 Post subject: Re: Jay$on Chaffetz
PostPosted: Thu Mar 09, 2017 3:46 pm 
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pittmike wrote:

For the record I never said this.


You said that I was "very wrong" for saying that Chaffetz' claim made no sense. Sounds like you agree.

pittmike wrote:
I made my point as globally as possible. It does not even need to be about cell phones to see that people today have different views or wants versus needs.


It's about cell phones, because that is the example Chaffetz used. Of course, he is trying to walk it back now.

pittmike wrote:
This is as true for people with money as without. We all can probably recall a story of a median or above salaried relative or neighbor complaining they have no extra money. That while they are choking on the payment to two leased Audi's they do not need in the driveway of the house with 5 bedrooms and 4 baths.


That's not who is going to get hurt by this, and you know it. Don't be disingenuous.


You have to give it to the Republicans. Instead of focusing on their terrible health care "plan", we are talking about cell phones. Just another distraction.

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