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MickParticipantI provide our folks with a very nice high deductible plan plus an HSA contribution that roughly equals the deductible. They pay 25% of premiums, I pay 75%. Our premium increase for 2026? 17% It’s a broken system, largely because of the misuse of “insurance” to cover things like birth control, childbirth, and testosterone replacement. Insurance should only be for things you don’t want, like broken limbs or cancer, not for things you consume as a matter of living or vanity. and don’t get me started on weight loss drugs.
I agree with everything you say. I have four problems:
- I’m already paying over $30k annually out of pocket for both me and my wife.
- We were in great health until age 50, then the health issues snowballed. My wife has something major every 18 months or so. We need medical care.
- Thirty years ago, we only saw MDs. Fifteen years ago, half of our care was given by non-MDs. Today, it’s rare to see an MD. And we notice, at the edges, the difference in care.
- The mid-level coverages are phasing out. We get care at Palo Alto Medical Foundation/Sutter Health and have since we were married in 1987. We used Blue Shield/Silver, which BS is eliminating. They’re keeping Gold and Bronze.
- Mrs. Mick, dear woman, will always choose the more expensive option.
I get it, proactive options shouldn’t be covered by insurance. The births of our sons thirty years ago were $25k each (both at Stanford). The average cost of childbirth in the USA is $18,865. If there are no pregnancy benefits, our already-dwindling childbirth rate will shrink further. And if we don’t pay the fat people to reduce their weights, we’ll pay for it on the back end.
Tough issue. I don’t see it improving.
October 22, 2025 at 12:52 pm in reply to: Will Newsom be the 2028 Democratic Presidential candidate? #10664
MickParticipantCurrent poll claims Newsom is behind Harris for the 2028 Democrat presidential nomination.
Gavin Newsom suffers polling blow among 2028 Democratic candidates
Harris has support from 33% of Dems. Newsom is second at 13%, and AOC is third at 8%.
AOC as president…I can’t imagine a politically illiterate barkeep as our next president or citizens of any stripe too stupid to vote for her.
MickParticipantApparently the oddest phenomenon is the enormous number of old white people protesting.
MickParticipantThose people must have failed high school civics. We haven’t had a king since (depending on how you measure it) either 1776 of 1783. We don’t have one now. We won’t have one.
I get that the Left is bent out of shape because they’re no longer in power and they can no longer fund radical Leftist causes. It is odd to me that they claim Republicans are causing the government shut down. Ah…no. They’re prepared to have another CR, the Democrats want to continue to ignore the laws of the land fund health care for illegal immigrants. And they wouldn’t need a CR if they just balanced the budget.
MickParticipantI couldn’t stand Liccardo. I can live with Mahan, a moderate Democrat.
One of the things I like best about Mahan is that he spars with Newsom. He’s not a fan. He’s challenged Newsom on crime (Mahan supported Prop 36), homelessness, drug addiction, Newsom’s stupid social media posts,
Also, Mahan wants to be Governor…
Newsom’s presidential ambitions are running into a home-state hater – POLITICO
San Jose mayor challenges Newsom’s vision for state – San José Spotlight
October 17, 2025 at 11:44 am in reply to: Will Newsom be the 2028 Democratic Presidential candidate? #10650
MickParticipantEmerson poll says that if JD Vance ran against Newsom, he’d be ahead 46% to 45%.
The August poll had Newsom behind by nearly 2%. So, Newsom is gaining ground.
Gavin Newsom gains ground on JD Vance in 2028 presidential race: Poll
MickParticipantI hope moderates are on the rise, I really do. I think SF’s current mayor is doing a great job, particularly in comparison with his predecessors. Hopefully the city comes back.
MickParticipantKamala Harris was the most qualified presidential candidate…ever. Just ask her:
Ms. Harris…you were running against a man who had actually been President.
MickParticipantThought I would update the list, this time with closures from San Francisco Centre (two blocks south of Union Square on Market between 4th and 5th), which is down to two restaurants in the entire mall.
New closings in bold:
- 24-Hour Fitness
- A Miner Miracle Shop
- Abercrombie & Fitch
- Adidas
- Agent Provocateur
- Aldo
- Alessi
- Alexander McQueen
- AllSaints
- Amazon Go
- American Eagle Outfitters
- Amy Kuschel Bride
- Anthropologie
- Archive
- Arc’teryx
- AT&T
- Athleta
- Babette
- Banana Republic
- Bank of America (brand on 1 Market Street)
- Barneys New York
- Bed Bath & Beyond
- Benefit
- Blondie’s Pizza (relocated)
- Bloom Room, The
- Bloomingdale’s
- Bristol Farm
- Brooks Brothers
- Bucherer / Rolex
- Burke Williams Spa
- California Girl Jewelry
- Camper Shoes
- CB2
- Christian Louboutin
- Century Theaters
- Cinemark Multiplex
- Coach
- Coco Republic Furniture
- Cole Haan
- Container Store, The
- Crate & Barrel
- Crunch Gym
- Cuyana
- CVS Pharmacy
- Denny’s
- Diana Slavin
- Diesel
- Disney Store
- DSW/Designer Shoe Warehouse
- eDressit
- Ethos
- Express
- Façonnable
- Farinelli Decorative Arts
- Fires of Brazil Express
- First Republic Bank
- Forever 21
- Forum
- Gallery of Jewels
- GameStop
- Gap, The
- Goorin Brothers
- Green Arcade Bookstore
- G-Star
- H&M
- Harputs
- Hilton Union Square
- Hollister
- Huntington
- Icebreaker
- In-N-Out Burger
- IWC Schaffhausen
- Izzy & Wooks
- J. Crew
- Jamba Juice
- Jeffrey’s Toys
- Jimmy Choo
- Jimmy Choo Men’s
- Jin Wang Bridal
- Jins Eyewear
- John Varvatos
- Johnny Was
- Jos. A. Bank Clothier
- Journeys
- Kate Spade
- Klaus Murer Swiss Jeweler
- Kohl’s (27 closings nationwide)
- KPMG – Leaving their $400 million name building
- L’Occitane
- La Cocina
- La Perla
- Lego Stores
- Lily Samii Collection
- Longchamp
- Lucky Brand
- Lululemon
- Lush
- Macy’s
- Madewell
- Makeshop by Brit + Co.
- Margaret O’Leary
- Marlowe
- Marmot
- Marni
- Marshall’s
- Mashaallah Halal Pakistani Food
- MCM Worldwide
- Mephisto
- Merrell
- Michael Kors
- Mija Cochinita
- Milk Tee
- New Balance
- Nordstrom – Closing all San Francisco stores, not just Union Square
- Nordstrom Rack
- North Face
- Oakley
- Office Depot
- Old Navy
- Omega
- Ordinary, The | DECIEM
- Panerai
- Paper Source
- Parc 55
- Psycho Bunny
- Rae | Costumes
- Ray Ban
- Razer Computer
- RealReal, The
- Richemont
- Ria’s Shoes
- Rims & Goggles
- Rolex
- Saks Fifth Avenue
- Saks Off Fifth
- Sarku Japan
- Scotch & Soda
- See’s Candies
- Sentiero
- Sephora
- Seven Eleven
- Shreve & Company Jewelers
- Starbuck’s (Two closings three more by 2025)
- Steve Madden
- Subway
- Sunglass Hut
- Taco Bell
- Target
- Ted Baker
- The Body Shop
- Theory
- Thomas Pink
- Tina’s Jewelry
- T-Mobile
- Tourbillon Boutique
- TSE
- TUMI
- Umai Savory Hot Dogs
- Uniglo
- V Boutique
- Vans
- Veo Optics
- Vilebrequin
- Walgreen’s (closed five SF stores in late 2021, twelve by 2025)
- Warby Parker
- Westfield Mall
- Westzel’s Pretzels
- Whole Foods
- Williams Sonoma
- Wolford
- World of Charms
- Yotel
- Zadig & Voltaire
- Zara
- Zumiez
October 6, 2025 at 11:41 am in reply to: The reaction of the Democratic party to David Hogg as DNC Vice Chair #10637
MickParticipantDavid Hogg, whose vow to target elected Democratic leaders triggered months of party infighting that led to his departure from Democratic National Committee leadership, made his first endorsement against an incumbent House Democrat on Monday.
Hogg’s political group, Leaders We Deserve, endorsed state Rep. Donavan McKinney, 33, against incumbent Rep. Shri Thanedar, 70, in a largely Democratic Michigan district.
David Hogg makes first midterms endorsement against an incumbent Democrat
Hogg said in April they intended to spend $20 million defeating “old, ineffective” Democrats.
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This reply was modified 7 months, 1 week ago by
Mick.
MickParticipantThe so-called “fact-checker” sites that don’t check facts, they misconstrue a rumor and fact-check the rumor. Example. “Did 20 million Democrat votes disappear?” Fact-check: Did 20 million Democratic votes ‘disappear’? No. 20 million Dem votes did not disappear. So they rated it “pants on fire” lie. But that wasn’t the issue. The issue is that about 7 million Democratic votes did disappear. To explain: Donald Trump received 74.224 million votes in 2020, and a virtually identical amount in 2024, 74.347 million. But Biden received 81.284 million votes in 2020, and Kamala Harris received 70.421 million. Republican votes decreased 1.2%. But Democrat votes decreased 6.94 million votes, or 8.6%. So where did they go? Or was there widespread voter fraud?
Updating the numbers, now that the full count is in:
Trump, 2020; 74,223,975
Trump, 2024; 77,302,580
Biden, 2020; 81,283,501
Harris, 2024; 75,017,613
This makes a little more sense. Trump gained about 3.1 million votes. Harris lost 6.2 million of Biden’s votes.
Interesting trivia note: despite the increased adult population, 2024 was the fourth Presidential election in American history in which the total vote declined from the previous election.
Largest decline was 1992 to 1996, between Perot’s first run and second run. He drew a lot of excitement and a lot of first time voters in 1992. He lost 10 million votes between the elections, which was equivalent to the decline.
MickParticipantJust purely evil.
And speaking of which, former FBI Director Comey — the one who happened upon rocks on a beach that spelled out “8647” (Kill Trump) and posted it. Then he said, he didn’t understand what it meant (the head of the FBI doesn’t understand what “86” means?), and took down the post.
Anyway, he’s about to face a criminal indictment for lying to Congress:
Former FBI Director James Comey expected to be indicted soon: MSNBC
MickParticipantIt’s a pretty long list of problems. Horrible homelessness that’s getting worse. Half the state is the Brazilian-type of rich that Democrats usually hate, the other half of the state is the poorest, highest-poverty-in-the-country, and the Dems don’t give two sxxts about them.
Right now, betting sites are giving 66:1 odds that Kamala Harris runs for California Governor in 2026 (she’s already stated that she wouldn’t).
MickParticipanthttps://www.politico.com/news/2025/09/19/trump-no-longer-free-speech-00574219 Trump is an authoritarian. Am I even allowed to say that anymore? First thing Putin did was ban the satirists in Russia. I can see you’re all very concerned
I don’t know which I like better, the fact that BYT lies about Trump banning satirists (Kimmel was suspended for a week, and gets his show back tomorrow)…
Jimmy Kimmel’s show returning tomorrow, ABC announces
…or that he says literally nothing about the Left’s murder of a man committed to free and fair discourse.
Both are completely, stereotypically, absurdly typical of the Left
MickParticipantAnd while we’re on that topic, a few more stats:
- 9 out of the 10 richest counties in America voted Democrat across the board.
- 65% of all Americans making $500k or more vote Democrat.
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