Mick Conlan
@mickconlan
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@smerconish @realDonaldTrump Terrible day for our country. Reminded of a very specific Wire quote. This election is a wrap.
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Trump and Congress need to pull out all the stops to increase the supply of homes and drop home prices in the next year. They need to hit the supply problem from every angle, and they need to do it immediately.
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Best explanation Ive read so far on the value of long term amortization
Let's say there are two people who both can afford $2500 a month and that's not enough to get a 30 year mortgage One of them decides to get a 50 year mortgage the other one says "screw that I'm gonna keep renting because a 50 year mortgage is usery and debt slavery." In 50
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After Mamdani won, everyone was screeching about communism and how Trump needed to focus more on economic populism and domestic issues. He starts putting out transformative ideas like a 50 year mortgage and writing everyone a $2000 rebate, and people are finding another reason
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Only 2% of 30 year mortgages ever reach maturity. What percentage of 50 year mortgages do you think would reach maturity? Almost 0% Because almost everybody would refinance probably multiple times or sell the house at some point. It's just an asset that is going to
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Outcome: - Average family premium falls from $24,300 → $12–15k (CBO/RAND estimates). - Maximum out-of-pocket capped at $8,000 via national reinsurance pool. - Pre-existing conditions, dependent coverage to 26, no lifetime limits—all preserved. - Zero net new federal spending
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6. Repeal Medical Loss Ratio mandates. Eliminate the 80/85 % rule that incentivizes medical inflation. Replace with transparent rate filings and mandatory price reductions if actual costs fall >5 % below projections—turning insurers into cost reducers, not cost pass-throughs.
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5. All-payer rate uniformity across insurance and Medicare. This was done in Maryland. Hospitals receive the same payment—120 % of Medicare—for identical services regardless of payer. Rural facilities gain 28–42 % revenue increase; urban systems lose excess 243 % private rates.
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4. Interstate commerce restoration Any insurer licensed in one state may sell in all 50 without separate state approvals. Risk pool expands from state-level silos to 200 million lives, slashing administrative load and adverse-selection risk (similar to what worked in Utah).
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3. National exchange with true consumer sovereignty One federal portal offers every licensed plan from all 50 states. Individuals purchase with HSA dollars; unused balances remain theirs. High-deductible, zero-deductible, faith-based, direct-primary-care—all legal options.
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Universal HSA deposit (replace ACA advance payments + MA overpayments). Every American under 65 receives $500 single / $1,200 family per month in a personal HSA—total $1.66 T redirected from existing subsidy streams. Funds are paid tax-free, and roll over indefinitely; no income
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1. Employers stop picking your plan. They deposit their $8k single / $20k family contribution straight to you as a monthly, tax-free stipend. HR is freed. You are the boss and get to pick the plan that works best for you and your family!
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The verdict on ACA is unanimous: the current system is a blatantly stealing from us and works for three group—insurance giants, big Pharma, and hospital chains. Its a faux market that is overly complex, involves massive subsidies paid to insurance companies who have no incentive
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Dean got to meet @jheil on sho_thecircus last week! Sorry he was cranky John!
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Parts of Rep. tax plan make sense- doing nothing to increase revenues as a balance? That's not a serious plan.
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Republican debate on foreign policy- strengthen patriot act and profile Americans. Good work!
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Resisting the urge to blast Talking Heads "Road to Nowhere" in my office... can't holdout much... longer
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Happy Screaming Jay Hawkins Day! http://t.co/UoMDYQQa via @youtube
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