Will the USA balkanize?

Zycki11
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7941
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Location
Edwardsville, IL, USA
10/15/2025 5:07am
early wrote:
Ok we can back up because we are not on the same page. Yes the ICE tactics are meant to scare illegals into moving out of the...

Ok we can back up because we are not on the same page. 

Yes the ICE tactics are meant to scare illegals into moving out of the US on their own. How accurate that 1.5 million number is is anyone's guess.

On the issue of tariffs. Who pays them and how that money is spent is not directly linked. But, when chinas response to a us imposed tariff on Chinese goods is to stop buying US soybeans, then trump says he will use tariff money to subsidize soybean prices that is redistribution from 1 industry to another by the government as a direct result of tariffs policy.

But the simple main question is, when a foreign good that is subject to tariffs lands in the US who pays the duty so it can be received by the US purchaser?

“But the simple main question is, when a foreign good that is subject to tariffs lands in the US who pays the duty so it can...

“But the simple main question is, when a foreign good that is subject to tariffs lands in the US who pays the duty so it can be received by the US purchaser?” 

This question is answered by the tax incidence analysis. The legal incidence of a tariff falls on the importer, but the economic incidence doesn’t. So the importer writes the check but doesn’t bear the economic burden of the tax because he’ll push the cost to either the buyer or the seller. 

Think of a tax on gasoline. There’s a federal gas tax of about $0.18 on every gallon sold. The taxpayer who actually writes the check is the gasoline seller. He bears the legal incidence. But that 18 cent tax is added as a premium to his gasoline that he sells to the consumer, so the consumer bears the economic incidence. 

So if the gas tax is increased by 5 cents, the gas seller will pay the extra 5 cents and increase his prices by 5 cents. The customer now pays 5 cents more and the gas seller’s margins remain the same. So who would we say pays the tax? The seller bearing the legal incidence, or the buyer bearing the economic incidence? I imagine most people would say that an increase in the gas tax is paid by the driver, even if he doesn’t write the check to the tax man. 

Legal incidence is mostly important for tax law because the party that bears the legal responsibility for paying the tax may have restrictions on how it can pay or who has authority to collect from it. Again, there are numerous  Supreme Court cases on this topic. U.S. v. New Mexico is probably the most approachable if you’re interested. 
 

So, as I’ve argued from the outset, the importer writes the check for the tariff and bears the legal incidence. But the importer doesn’t bear the economic incidence. When dealing with goods on an inelastic demand curve (like consumer goods vs. gasoline), the economic incidence will vary based on the good being imported. So in the conversational sense, similar to where someone would say the driver pays the gas tax, it’s incorrect to say any one party pays for a tariff because there’s no clear economic incidence. However, arguing that the importer pays the tariff is a needlessly technical argument that doesn’t really address who bears the cost of the tariff or, put differently, who pays for that tariff. 

 

Treasury Secretary Scott Bessent thinks it's more complicated than that...

Everybody stop Breaking News, yep this just in from Australian internet watching a CNN 1 minute clip and in huh yeah. Survey says……. Another ground breaking commentary moment. 

Legendary stuff 

5
early
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Location
University Heights, OH, USA
10/15/2025 7:08am
“But the simple main question is, when a foreign good that is subject to tariffs lands in the US who pays the duty so it can...

“But the simple main question is, when a foreign good that is subject to tariffs lands in the US who pays the duty so it can be received by the US purchaser?” 

This question is answered by the tax incidence analysis. The legal incidence of a tariff falls on the importer, but the economic incidence doesn’t. So the importer writes the check but doesn’t bear the economic burden of the tax because he’ll push the cost to either the buyer or the seller. 

Think of a tax on gasoline. There’s a federal gas tax of about $0.18 on every gallon sold. The taxpayer who actually writes the check is the gasoline seller. He bears the legal incidence. But that 18 cent tax is added as a premium to his gasoline that he sells to the consumer, so the consumer bears the economic incidence. 

So if the gas tax is increased by 5 cents, the gas seller will pay the extra 5 cents and increase his prices by 5 cents. The customer now pays 5 cents more and the gas seller’s margins remain the same. So who would we say pays the tax? The seller bearing the legal incidence, or the buyer bearing the economic incidence? I imagine most people would say that an increase in the gas tax is paid by the driver, even if he doesn’t write the check to the tax man. 

Legal incidence is mostly important for tax law because the party that bears the legal responsibility for paying the tax may have restrictions on how it can pay or who has authority to collect from it. Again, there are numerous  Supreme Court cases on this topic. U.S. v. New Mexico is probably the most approachable if you’re interested. 
 

So, as I’ve argued from the outset, the importer writes the check for the tariff and bears the legal incidence. But the importer doesn’t bear the economic incidence. When dealing with goods on an inelastic demand curve (like consumer goods vs. gasoline), the economic incidence will vary based on the good being imported. So in the conversational sense, similar to where someone would say the driver pays the gas tax, it’s incorrect to say any one party pays for a tariff because there’s no clear economic incidence. However, arguing that the importer pays the tariff is a needlessly technical argument that doesn’t really address who bears the cost of the tariff or, put differently, who pays for that tariff. 

 

However far you want to track the tariff trickle is up to you as long as you acknowledge that trump is lying about who pays them.G29xS9uXUAAs z2 0

3
plowboy
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Location
Norwich, KS, USA
10/15/2025 7:52am
“But the simple main question is, when a foreign good that is subject to tariffs lands in the US who pays the duty so it can...

“But the simple main question is, when a foreign good that is subject to tariffs lands in the US who pays the duty so it can be received by the US purchaser?” 

This question is answered by the tax incidence analysis. The legal incidence of a tariff falls on the importer, but the economic incidence doesn’t. So the importer writes the check but doesn’t bear the economic burden of the tax because he’ll push the cost to either the buyer or the seller. 

Think of a tax on gasoline. There’s a federal gas tax of about $0.18 on every gallon sold. The taxpayer who actually writes the check is the gasoline seller. He bears the legal incidence. But that 18 cent tax is added as a premium to his gasoline that he sells to the consumer, so the consumer bears the economic incidence. 

So if the gas tax is increased by 5 cents, the gas seller will pay the extra 5 cents and increase his prices by 5 cents. The customer now pays 5 cents more and the gas seller’s margins remain the same. So who would we say pays the tax? The seller bearing the legal incidence, or the buyer bearing the economic incidence? I imagine most people would say that an increase in the gas tax is paid by the driver, even if he doesn’t write the check to the tax man. 

Legal incidence is mostly important for tax law because the party that bears the legal responsibility for paying the tax may have restrictions on how it can pay or who has authority to collect from it. Again, there are numerous  Supreme Court cases on this topic. U.S. v. New Mexico is probably the most approachable if you’re interested. 
 

So, as I’ve argued from the outset, the importer writes the check for the tariff and bears the legal incidence. But the importer doesn’t bear the economic incidence. When dealing with goods on an inelastic demand curve (like consumer goods vs. gasoline), the economic incidence will vary based on the good being imported. So in the conversational sense, similar to where someone would say the driver pays the gas tax, it’s incorrect to say any one party pays for a tariff because there’s no clear economic incidence. However, arguing that the importer pays the tariff is a needlessly technical argument that doesn’t really address who bears the cost of the tariff or, put differently, who pays for that tariff. 

 

I can tell that you're a brainy sumbitch.  I respect folks like you that dig into a subject...just looking at the facts of whatever you find.  

I'm several notches down the intellectual scale.  I'm only capable of taking the facts you present and trying to figure out if it's good or bad for me, my family, my neighbors, my country...the world.  The order of importance is always in flux.  (I didn't complain about the zoning violation when the jackass built his machine shop next door because it meant jobs and taxes for the school.  It damn sure hurt my home value but decent folks got a benefit and I'm okay with that.)

As far as the tariff deal...I'm not arrogant enough to say that they are the entire reason that I'm struggling financially...but I'm not stupid enough to think they aren't playing a factor.  (I'm not starving or about to be homeless but I am having to think about my spending.)🙃

4
avidchimp
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Location
EGL, MN, USA
10/15/2025 8:04am
“But the simple main question is, when a foreign good that is subject to tariffs lands in the US who pays the duty so it can...

“But the simple main question is, when a foreign good that is subject to tariffs lands in the US who pays the duty so it can be received by the US purchaser?” 

This question is answered by the tax incidence analysis. The legal incidence of a tariff falls on the importer, but the economic incidence doesn’t. So the importer writes the check but doesn’t bear the economic burden of the tax because he’ll push the cost to either the buyer or the seller. 

Think of a tax on gasoline. There’s a federal gas tax of about $0.18 on every gallon sold. The taxpayer who actually writes the check is the gasoline seller. He bears the legal incidence. But that 18 cent tax is added as a premium to his gasoline that he sells to the consumer, so the consumer bears the economic incidence. 

So if the gas tax is increased by 5 cents, the gas seller will pay the extra 5 cents and increase his prices by 5 cents. The customer now pays 5 cents more and the gas seller’s margins remain the same. So who would we say pays the tax? The seller bearing the legal incidence, or the buyer bearing the economic incidence? I imagine most people would say that an increase in the gas tax is paid by the driver, even if he doesn’t write the check to the tax man. 

Legal incidence is mostly important for tax law because the party that bears the legal responsibility for paying the tax may have restrictions on how it can pay or who has authority to collect from it. Again, there are numerous  Supreme Court cases on this topic. U.S. v. New Mexico is probably the most approachable if you’re interested. 
 

So, as I’ve argued from the outset, the importer writes the check for the tariff and bears the legal incidence. But the importer doesn’t bear the economic incidence. When dealing with goods on an inelastic demand curve (like consumer goods vs. gasoline), the economic incidence will vary based on the good being imported. So in the conversational sense, similar to where someone would say the driver pays the gas tax, it’s incorrect to say any one party pays for a tariff because there’s no clear economic incidence. However, arguing that the importer pays the tariff is a needlessly technical argument that doesn’t really address who bears the cost of the tariff or, put differently, who pays for that tariff. 

 

plowboy wrote:
I can tell that you're a brainy sumbitch.  I respect folks like you that dig into a subject...just looking at the facts of whatever you find...

I can tell that you're a brainy sumbitch.  I respect folks like you that dig into a subject...just looking at the facts of whatever you find.  

I'm several notches down the intellectual scale.  I'm only capable of taking the facts you present and trying to figure out if it's good or bad for me, my family, my neighbors, my country...the world.  The order of importance is always in flux.  (I didn't complain about the zoning violation when the jackass built his machine shop next door because it meant jobs and taxes for the school.  It damn sure hurt my home value but decent folks got a benefit and I'm okay with that.)

As far as the tariff deal...I'm not arrogant enough to say that they are the entire reason that I'm struggling financially...but I'm not stupid enough to think they aren't playing a factor.  (I'm not starving or about to be homeless but I am having to think about my spending.)🙃

You mean to tell me everyday consumables aren't cheaper than they were 9 months ago? I guess we are still waiting for those tariff's being paid by exporting countries to roll in and bring the cost of goods down. Should be any day now...

6
2

The Shop

BMR179
Posts
520
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4/1/2008
Location
East Texas, TX, USA
Fantasy
10/15/2025 8:44am
“But the simple main question is, when a foreign good that is subject to tariffs lands in the US who pays the duty so it can...

“But the simple main question is, when a foreign good that is subject to tariffs lands in the US who pays the duty so it can be received by the US purchaser?” 

This question is answered by the tax incidence analysis. The legal incidence of a tariff falls on the importer, but the economic incidence doesn’t. So the importer writes the check but doesn’t bear the economic burden of the tax because he’ll push the cost to either the buyer or the seller. 

Think of a tax on gasoline. There’s a federal gas tax of about $0.18 on every gallon sold. The taxpayer who actually writes the check is the gasoline seller. He bears the legal incidence. But that 18 cent tax is added as a premium to his gasoline that he sells to the consumer, so the consumer bears the economic incidence. 

So if the gas tax is increased by 5 cents, the gas seller will pay the extra 5 cents and increase his prices by 5 cents. The customer now pays 5 cents more and the gas seller’s margins remain the same. So who would we say pays the tax? The seller bearing the legal incidence, or the buyer bearing the economic incidence? I imagine most people would say that an increase in the gas tax is paid by the driver, even if he doesn’t write the check to the tax man. 

Legal incidence is mostly important for tax law because the party that bears the legal responsibility for paying the tax may have restrictions on how it can pay or who has authority to collect from it. Again, there are numerous  Supreme Court cases on this topic. U.S. v. New Mexico is probably the most approachable if you’re interested. 
 

So, as I’ve argued from the outset, the importer writes the check for the tariff and bears the legal incidence. But the importer doesn’t bear the economic incidence. When dealing with goods on an inelastic demand curve (like consumer goods vs. gasoline), the economic incidence will vary based on the good being imported. So in the conversational sense, similar to where someone would say the driver pays the gas tax, it’s incorrect to say any one party pays for a tariff because there’s no clear economic incidence. However, arguing that the importer pays the tariff is a needlessly technical argument that doesn’t really address who bears the cost of the tariff or, put differently, who pays for that tariff. 

 

plowboy wrote:
I can tell that you're a brainy sumbitch.  I respect folks like you that dig into a subject...just looking at the facts of whatever you find...

I can tell that you're a brainy sumbitch.  I respect folks like you that dig into a subject...just looking at the facts of whatever you find.  

I'm several notches down the intellectual scale.  I'm only capable of taking the facts you present and trying to figure out if it's good or bad for me, my family, my neighbors, my country...the world.  The order of importance is always in flux.  (I didn't complain about the zoning violation when the jackass built his machine shop next door because it meant jobs and taxes for the school.  It damn sure hurt my home value but decent folks got a benefit and I'm okay with that.)

As far as the tariff deal...I'm not arrogant enough to say that they are the entire reason that I'm struggling financially...but I'm not stupid enough to think they aren't playing a factor.  (I'm not starving or about to be homeless but I am having to think about my spending.)🙃

avidchimp wrote:
You mean to tell me everyday consumables aren't cheaper than they were 9 months ago? I guess we are still waiting for those tariff's being paid...

You mean to tell me everyday consumables aren't cheaper than they were 9 months ago? I guess we are still waiting for those tariff's being paid by exporting countries to roll in and bring the cost of goods down. Should be any day now...

I'm close to the same situation as plowboy described in his last paragraph, having to really think about spending.  Being that I do 95% of the grocery and consumable shopping for my wife and I, I can say that prices on a lot of those items have come down some, plus price shopping has become a priority.  Up until 2022 I didn't worry about or notice prices fluctuating much.  All of a sudden our grocery bill rose over 35%.  History proves everything will eventually catch up and get better, but it's a bitch right now.  

As far as tariffs, TheGetFresh wrote an educated response concerning legal and economic incidence.  I just know that the final consumer ultimately pays.  

1
10/15/2025 9:26am
avidchimp wrote:
You mean to tell me everyday consumables aren't cheaper than they were 9 months ago? I guess we are still waiting for those tariff's being paid...

You mean to tell me everyday consumables aren't cheaper than they were 9 months ago? I guess we are still waiting for those tariff's being paid by exporting countries to roll in and bring the cost of goods down. Should be any day now...

And not one person with even half a brain believed the exporting countries pay the tariffs. 

6
borg
Posts
7059
Joined
12/7/2009
Location
Long Beach, CA, USA
10/15/2025 10:15am
plowboy wrote:
I can tell that you're a brainy sumbitch.  I respect folks like you that dig into a subject...just looking at the facts of whatever you find...

I can tell that you're a brainy sumbitch.  I respect folks like you that dig into a subject...just looking at the facts of whatever you find.  

I'm several notches down the intellectual scale.  I'm only capable of taking the facts you present and trying to figure out if it's good or bad for me, my family, my neighbors, my country...the world.  The order of importance is always in flux.  (I didn't complain about the zoning violation when the jackass built his machine shop next door because it meant jobs and taxes for the school.  It damn sure hurt my home value but decent folks got a benefit and I'm okay with that.)

As far as the tariff deal...I'm not arrogant enough to say that they are the entire reason that I'm struggling financially...but I'm not stupid enough to think they aren't playing a factor.  (I'm not starving or about to be homeless but I am having to think about my spending.)🙃

avidchimp wrote:
You mean to tell me everyday consumables aren't cheaper than they were 9 months ago? I guess we are still waiting for those tariff's being paid...

You mean to tell me everyday consumables aren't cheaper than they were 9 months ago? I guess we are still waiting for those tariff's being paid by exporting countries to roll in and bring the cost of goods down. Should be any day now...

BMR179 wrote:
I'm close to the same situation as plowboy described in his last paragraph, having to really think about spending.  Being that I do 95% of the...

I'm close to the same situation as plowboy described in his last paragraph, having to really think about spending.  Being that I do 95% of the grocery and consumable shopping for my wife and I, I can say that prices on a lot of those items have come down some, plus price shopping has become a priority.  Up until 2022 I didn't worry about or notice prices fluctuating much.  All of a sudden our grocery bill rose over 35%.  History proves everything will eventually catch up and get better, but it's a bitch right now.  

As far as tariffs, TheGetFresh wrote an educated response concerning legal and economic incidence.  I just know that the final consumer ultimately pays.  

That's absolutely correct. The importer writes the check. It's entirely up to him, how much he wants to pass on to his customer. If he decides to eat all of it because of a competitive situation, he becomes the consumer. This lowers his personal income. Which means he may not be able to buy the new truck this year which means the dealer as well as the truck manufacturer end up with reduced income. and so on and so on.

And by the way, if the importer decides to pass all of it along, someone else becomes the consumer and  the exact same fucking thing happens. 

I'm not surprised by much anymore. Even when so called conservatives are happy with higher taxes and a slower economy. 

3
1
whyZ
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Location
Phoenix, AZ, USA
10/15/2025 12:30pm

My feeling is that if there's any industry that has put the pinch on the on the average Income Tax paying American citizen is the insurance companies.  Health, auto or property, take your pick.  

The wife and I have a summer cabin up in the mountains to get away from the heat AZ is known for.  For years we've paid Homeowners insurance, it's not cheap, but bearable.  This year however our policy has tripled.  Now this is a seasonal cabin used +/- 5 months out of the year and shut down for the winter.  

I lost count of the number of agents I've talked to about insuring it.  And here's the number one reason that we aren't getting insured.  It doesn't have central air!  WTF, it's never had central air and doesn't need it. In fact, there's probably 1:100 ratio of 500 residents in our community that would (maybe) have working C/A.  Why is this a sticking point now and not in the past?  They know, it's only a matter of time until we'll have to fold.              

3
SEEMEFIRST
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10/16/2025 4:37am
whyZ wrote:
My feeling is that if there's any industry that has put the pinch on the on the average Income Tax paying American citizen is the insurance...

My feeling is that if there's any industry that has put the pinch on the on the average Income Tax paying American citizen is the insurance companies.  Health, auto or property, take your pick.  

The wife and I have a summer cabin up in the mountains to get away from the heat AZ is known for.  For years we've paid Homeowners insurance, it's not cheap, but bearable.  This year however our policy has tripled.  Now this is a seasonal cabin used +/- 5 months out of the year and shut down for the winter.  

I lost count of the number of agents I've talked to about insuring it.  And here's the number one reason that we aren't getting insured.  It doesn't have central air!  WTF, it's never had central air and doesn't need it. In fact, there's probably 1:100 ratio of 500 residents in our community that would (maybe) have working C/A.  Why is this a sticking point now and not in the past?  They know, it's only a matter of time until we'll have to fold.              

What difference could that possibly make? I have never heard such a thing.

1
borg
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Location
Long Beach, CA, USA
10/16/2025 5:57am
whyZ wrote:
My feeling is that if there's any industry that has put the pinch on the on the average Income Tax paying American citizen is the insurance...

My feeling is that if there's any industry that has put the pinch on the on the average Income Tax paying American citizen is the insurance companies.  Health, auto or property, take your pick.  

The wife and I have a summer cabin up in the mountains to get away from the heat AZ is known for.  For years we've paid Homeowners insurance, it's not cheap, but bearable.  This year however our policy has tripled.  Now this is a seasonal cabin used +/- 5 months out of the year and shut down for the winter.  

I lost count of the number of agents I've talked to about insuring it.  And here's the number one reason that we aren't getting insured.  It doesn't have central air!  WTF, it's never had central air and doesn't need it. In fact, there's probably 1:100 ratio of 500 residents in our community that would (maybe) have working C/A.  Why is this a sticking point now and not in the past?  They know, it's only a matter of time until we'll have to fold.              

SEEMEFIRST wrote:

What difference could that possibly make? I have never heard such a thing.

cheesehead420
Posts
662
Joined
11/3/2020
Location
Manchester, CT, USA
10/16/2025 6:15am
whyZ wrote:
My feeling is that if there's any industry that has put the pinch on the on the average Income Tax paying American citizen is the insurance...

My feeling is that if there's any industry that has put the pinch on the on the average Income Tax paying American citizen is the insurance companies.  Health, auto or property, take your pick.  

The wife and I have a summer cabin up in the mountains to get away from the heat AZ is known for.  For years we've paid Homeowners insurance, it's not cheap, but bearable.  This year however our policy has tripled.  Now this is a seasonal cabin used +/- 5 months out of the year and shut down for the winter.  

I lost count of the number of agents I've talked to about insuring it.  And here's the number one reason that we aren't getting insured.  It doesn't have central air!  WTF, it's never had central air and doesn't need it. In fact, there's probably 1:100 ratio of 500 residents in our community that would (maybe) have working C/A.  Why is this a sticking point now and not in the past?  They know, it's only a matter of time until we'll have to fold.              

Big insurance, big pharma, big food, big banks, big education, big energy, big government etc. all work in concert with each other. 
The individuals which inhabit the most important positions in these industries move laterally throughout them, and in/out of government positions. All of these entities work to exploit us in every way possible and will work in unison to undermine any efforts to achieve greater autonomy for ourselves. 

Like you, I also have a particular distaste for the insurance industry. Absolute scum. But the only reason they wield so much power is because government has given them the ability to do so, which is ultimately our fault as we have let our government grow unrestrained and unaccountable to us, The People. 

We the people have grown fat and lazy, and satisfied with shallow consumption. Worst of all we have grown apathetic to our own plight. It will take many times more the effort to regain the freedoms we have so freely given away.  
 

There has been some very smart and well thought out responses in this thread but all lost in semantics.  No one has addressed the root or fundamental issues, you have 👍
 

4
early
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10109
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Location
University Heights, OH, USA
10/16/2025 6:28am
whyZ wrote:
My feeling is that if there's any industry that has put the pinch on the on the average Income Tax paying American citizen is the insurance...

My feeling is that if there's any industry that has put the pinch on the on the average Income Tax paying American citizen is the insurance companies.  Health, auto or property, take your pick.  

The wife and I have a summer cabin up in the mountains to get away from the heat AZ is known for.  For years we've paid Homeowners insurance, it's not cheap, but bearable.  This year however our policy has tripled.  Now this is a seasonal cabin used +/- 5 months out of the year and shut down for the winter.  

I lost count of the number of agents I've talked to about insuring it.  And here's the number one reason that we aren't getting insured.  It doesn't have central air!  WTF, it's never had central air and doesn't need it. In fact, there's probably 1:100 ratio of 500 residents in our community that would (maybe) have working C/A.  Why is this a sticking point now and not in the past?  They know, it's only a matter of time until we'll have to fold.              

It's possible insurance companies see more house fires in houses without central ac in Arizona since people probably run a bunch of window units on old wiring.

The last 5 years of housing inflation is a double kick to the nuts since they tax you on unrealized gains and the replacement value of the house has gone up significantly so the insurance policy amount needs to be way higher. I think there was a law passed some time in the last 10 or 15 years that property insurance needs to be for replacement value not partial value.

SEEMEFIRST
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14241
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Location
Arlington, TX, USA
10/16/2025 6:59am
whyZ wrote:
My feeling is that if there's any industry that has put the pinch on the on the average Income Tax paying American citizen is the insurance...

My feeling is that if there's any industry that has put the pinch on the on the average Income Tax paying American citizen is the insurance companies.  Health, auto or property, take your pick.  

The wife and I have a summer cabin up in the mountains to get away from the heat AZ is known for.  For years we've paid Homeowners insurance, it's not cheap, but bearable.  This year however our policy has tripled.  Now this is a seasonal cabin used +/- 5 months out of the year and shut down for the winter.  

I lost count of the number of agents I've talked to about insuring it.  And here's the number one reason that we aren't getting insured.  It doesn't have central air!  WTF, it's never had central air and doesn't need it. In fact, there's probably 1:100 ratio of 500 residents in our community that would (maybe) have working C/A.  Why is this a sticking point now and not in the past?  They know, it's only a matter of time until we'll have to fold.              

SEEMEFIRST wrote:

What difference could that possibly make? I have never heard such a thing.

borg wrote:

Ah, yes... Heat.

He originally said A/C, and all I was thinking was cooling. 

It makes sense now.

10/16/2025 9:23am
whyZ wrote:
My feeling is that if there's any industry that has put the pinch on the on the average Income Tax paying American citizen is the insurance...

My feeling is that if there's any industry that has put the pinch on the on the average Income Tax paying American citizen is the insurance companies.  Health, auto or property, take your pick.  

The wife and I have a summer cabin up in the mountains to get away from the heat AZ is known for.  For years we've paid Homeowners insurance, it's not cheap, but bearable.  This year however our policy has tripled.  Now this is a seasonal cabin used +/- 5 months out of the year and shut down for the winter.  

I lost count of the number of agents I've talked to about insuring it.  And here's the number one reason that we aren't getting insured.  It doesn't have central air!  WTF, it's never had central air and doesn't need it. In fact, there's probably 1:100 ratio of 500 residents in our community that would (maybe) have working C/A.  Why is this a sticking point now and not in the past?  They know, it's only a matter of time until we'll have to fold.              

SEEMEFIRST wrote:

What difference could that possibly make? I have never heard such a thing.

borg wrote:

That just blows me away. I would never have guessed.

 My brothers friend is an insurance agent and she said the insurance companies are deploying drones to fly over homes, inspecting(spying?) up close what is in your yard, the shape of your roof etc. I've already heard anecdotally that any house with a roof more then 20 years old has to be replaced.

I have a couple of big sycamores in my front yard. I make sure and trim back any branches that even come close to touching the roof of my place. i hope i do not get a cancelation notice because they simply over hang the roof on the y axis.

1
El_Rayo
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575
Joined
6/21/2025
Location
Valparaiso, IN, USA
Fantasy
10/16/2025 10:59am
Oh wow, the whole population of your town (457) is less than the amount of homeless people and junkies on 6th street alone in LA.  "Mohrsville...

Oh wow, the whole population of your town (457) is less than the amount of homeless people and junkies on 6th street alone in LA.  

"Mohrsville is a CDP located in Berks County, Pennsylvania. Mohrsville has a 2025 population of 457" 

Things are much different in small towns, let alone tiny towns.  Come on out to LA and I will show you around.  And I'll take you fishing and show you how I can lean left while fishing.

TAUTOG wrote:

Take a drive through Atlantic city you'll be dodging junkies left and right lol is this a dick measuring contest for you?

You're not getting it.  Come on out, we'll show you around the hood, you'll see not all brown skin runs from ICE, you'll see a fisherman...

You're not getting it.  Come on out, we'll show you around the hood, you'll see not all brown skin runs from ICE, you'll see a fisherman lean left, and I'll wear a mask and no one will get kidnapped, except for some cows.

Pig.jpg?VersionId=80IlnwjQ3MW Bf

As a fellow “brown skin”, 

from what you’re saying about ICE is somewhat true. For years most people have not had issues with immigration being enforced.

 But as of lately the way it’s been executed has been worrisome. I live near a big city, Chicago, My wife is from there. I have family, and friends who live there. I also go there multiple times through the week for client and business meetings. Everyone is in awe how dozens of ICE agents are harassing citizens. You said earlier “as long as you don’t run, cooperate and show them proper ID, you’ll be fine and go about your your way” I’m sorry but that’s simply not true. In a lot of cases sure that will happen. But I’ve been reading, hearing , and seeing countless stories and videos from people personally and on local social media posts, of regular US citizens being harassed and arrested. Someone walking on the street when 2 black SUV’s with men in masks show up, tackle someone to the ground while the person is saying “I’m a US Citizen!!” Meanwhile the agents are yelling “shut up Bi***!” , the man suffered multiple broken bones and was held in custody for several days. This is just one example, but I’ve been seeing videos throughout the past 2 weeks of a lot of this happening. Same thing, agents pull up> tackle a person without letting them verify they are a citizen> person says “I’m Legal!” > is ignored and arrested. 

As for the protests, some of them looked violent by some protesters which is awful and not right. But on the other hand, there are also videos showing peaceful (non violent, but still vocally aggressive) protesters? Being shot with pellets in the face, or just recently here in Chicago tear gas being thrown to people , and police officers as well. (2 times so far).


Another example, is when ICE officers “think” they see an illegal, they are using take down maneuvers in their SUV’s , crashing into the the car, ramming it. I would think that’s pretty unsafe to other drivers on the road? And also, what if you’re not an illegal? You just have to deal with a totaled vehicle now. 

Another example (seen this 2 times) while cruising the streets of Chicago, if someone pulls out their phone and records the ICE vehicle while driving, the agents quite literally roll the windows down and point their firearm at them out the window, and antagonize them vocally. 
 

In another video, 2 US Citizens are stopped by ICE being screamed at, and the one ICE agent has a swastika tattoo under his neck. 

These are just a few examples, but like I said I am hearing things firsthand from people in the city , as well as videos circulating. There are countless more I could go on about.

I am not saying “ ICE should be stopped and every agent is a problem!” But also to go on the other hand and say “welp this is just part of what’s necessary, and as long as you don’t run and cooperate you’ll be fine” is quite far from the truth. 
 

2
2
10/16/2025 11:59am
TAUTOG wrote:

Take a drive through Atlantic city you'll be dodging junkies left and right lol is this a dick measuring contest for you?

You're not getting it.  Come on out, we'll show you around the hood, you'll see not all brown skin runs from ICE, you'll see a fisherman...

You're not getting it.  Come on out, we'll show you around the hood, you'll see not all brown skin runs from ICE, you'll see a fisherman lean left, and I'll wear a mask and no one will get kidnapped, except for some cows.

Pig.jpg?VersionId=80IlnwjQ3MW Bf
El_Rayo wrote:
As a fellow “brown skin”, from what you’re saying about ICE is somewhat true. For years most people have not had issues with immigration being enforced. But as...

As a fellow “brown skin”, 

from what you’re saying about ICE is somewhat true. For years most people have not had issues with immigration being enforced.

 But as of lately the way it’s been executed has been worrisome. I live near a big city, Chicago, My wife is from there. I have family, and friends who live there. I also go there multiple times through the week for client and business meetings. Everyone is in awe how dozens of ICE agents are harassing citizens. You said earlier “as long as you don’t run, cooperate and show them proper ID, you’ll be fine and go about your your way” I’m sorry but that’s simply not true. In a lot of cases sure that will happen. But I’ve been reading, hearing , and seeing countless stories and videos from people personally and on local social media posts, of regular US citizens being harassed and arrested. Someone walking on the street when 2 black SUV’s with men in masks show up, tackle someone to the ground while the person is saying “I’m a US Citizen!!” Meanwhile the agents are yelling “shut up Bi***!” , the man suffered multiple broken bones and was held in custody for several days. This is just one example, but I’ve been seeing videos throughout the past 2 weeks of a lot of this happening. Same thing, agents pull up> tackle a person without letting them verify they are a citizen> person says “I’m Legal!” > is ignored and arrested. 

As for the protests, some of them looked violent by some protesters which is awful and not right. But on the other hand, there are also videos showing peaceful (non violent, but still vocally aggressive) protesters? Being shot with pellets in the face, or just recently here in Chicago tear gas being thrown to people , and police officers as well. (2 times so far).


Another example, is when ICE officers “think” they see an illegal, they are using take down maneuvers in their SUV’s , crashing into the the car, ramming it. I would think that’s pretty unsafe to other drivers on the road? And also, what if you’re not an illegal? You just have to deal with a totaled vehicle now. 

Another example (seen this 2 times) while cruising the streets of Chicago, if someone pulls out their phone and records the ICE vehicle while driving, the agents quite literally roll the windows down and point their firearm at them out the window, and antagonize them vocally. 
 

In another video, 2 US Citizens are stopped by ICE being screamed at, and the one ICE agent has a swastika tattoo under his neck. 

These are just a few examples, but like I said I am hearing things firsthand from people in the city , as well as videos circulating. There are countless more I could go on about.

I am not saying “ ICE should be stopped and every agent is a problem!” But also to go on the other hand and say “welp this is just part of what’s necessary, and as long as you don’t run and cooperate you’ll be fine” is quite far from the truth. 
 

Hey bud, I'm done with this thread but came back respond to your brown skin quote as if I'm possibly some sort of racist.  I only put it that way because that's what the OP was calling it his previous post.  Just so you know, I'm very entangled with latinos and have a lot of Latino friends.  I employ them, I ride and fish Baja with them, I surf with them, I work along side with them, I stay with them in Mex, I travel with them all over Baja and Mainland, etc.  They are brothers to me, does't matter what color skin they are, including "blacks" and "yellows" which the OP also mentioned.  I'm considered family to them, so much that they call me gringo boy and another nickname that I will not mention here, and in return I call them pendejos.  We get a lot of laughs out of each other, just like any brothers joking around.  I've done a lot for people south of the border and they appreciate it.  In return they give me access to their families and homes down there.  Nothing more I like than an authentic home cooked family meal south of the border after a long day of riding or surfing.  I do always rag on them though about their obsession with tamales, albondigas, and pozole.  I just don't get it.  I tell them don't waste your precious time making that stuff, carne asada is all I need/want when I stay over.

With that said, I'm sure there are isolated ICE incidents like you mention, but I highly doubt that is happening as often as you think.  On the flip side there are also videos I posted above of them getting pelted with rocks, and a bunch of hostile protestors causing havoc, so what gives.  If I'm getting pelted with rocks with heavy protest, I'm sure it's going to affect how aggressive I get when I jump out into a chaotic scene.  Perhaps the aggression is also part of the shock and awe approach that Getfresh mentioned above. Bottom line is, there are always bad eggs like you've probably see in videos, but I highly doubt legals are being arrested and injured often.  And if they are, then they'll have quite a case to go after damages.

I'm not seeing what you are referring to in LA, although I'm sure it happens. It's more of the large crowds of nasty protestors that give latinos a bad look here. Meanwhile, I'm sitting at the dinner table with my latino friends just shaking our heads at it all.  There is no perfect solution unless all illegals self deport.  There will always be bad cops, politicians, CEO's, protestors, etc.  Nothing can be perfect and there will always be some carnage on both sides.

I'm out.

Cuidate.

1
7
El_Rayo
Posts
575
Joined
6/21/2025
Location
Valparaiso, IN, USA
Fantasy
10/17/2025 4:48am Edited Date/Time 10/17/2025 4:52am
You're not getting it.  Come on out, we'll show you around the hood, you'll see not all brown skin runs from ICE, you'll see a fisherman...

You're not getting it.  Come on out, we'll show you around the hood, you'll see not all brown skin runs from ICE, you'll see a fisherman lean left, and I'll wear a mask and no one will get kidnapped, except for some cows.

Pig.jpg?VersionId=80IlnwjQ3MW Bf
El_Rayo wrote:
As a fellow “brown skin”, from what you’re saying about ICE is somewhat true. For years most people have not had issues with immigration being enforced. But as...

As a fellow “brown skin”, 

from what you’re saying about ICE is somewhat true. For years most people have not had issues with immigration being enforced.

 But as of lately the way it’s been executed has been worrisome. I live near a big city, Chicago, My wife is from there. I have family, and friends who live there. I also go there multiple times through the week for client and business meetings. Everyone is in awe how dozens of ICE agents are harassing citizens. You said earlier “as long as you don’t run, cooperate and show them proper ID, you’ll be fine and go about your your way” I’m sorry but that’s simply not true. In a lot of cases sure that will happen. But I’ve been reading, hearing , and seeing countless stories and videos from people personally and on local social media posts, of regular US citizens being harassed and arrested. Someone walking on the street when 2 black SUV’s with men in masks show up, tackle someone to the ground while the person is saying “I’m a US Citizen!!” Meanwhile the agents are yelling “shut up Bi***!” , the man suffered multiple broken bones and was held in custody for several days. This is just one example, but I’ve been seeing videos throughout the past 2 weeks of a lot of this happening. Same thing, agents pull up> tackle a person without letting them verify they are a citizen> person says “I’m Legal!” > is ignored and arrested. 

As for the protests, some of them looked violent by some protesters which is awful and not right. But on the other hand, there are also videos showing peaceful (non violent, but still vocally aggressive) protesters? Being shot with pellets in the face, or just recently here in Chicago tear gas being thrown to people , and police officers as well. (2 times so far).


Another example, is when ICE officers “think” they see an illegal, they are using take down maneuvers in their SUV’s , crashing into the the car, ramming it. I would think that’s pretty unsafe to other drivers on the road? And also, what if you’re not an illegal? You just have to deal with a totaled vehicle now. 

Another example (seen this 2 times) while cruising the streets of Chicago, if someone pulls out their phone and records the ICE vehicle while driving, the agents quite literally roll the windows down and point their firearm at them out the window, and antagonize them vocally. 
 

In another video, 2 US Citizens are stopped by ICE being screamed at, and the one ICE agent has a swastika tattoo under his neck. 

These are just a few examples, but like I said I am hearing things firsthand from people in the city , as well as videos circulating. There are countless more I could go on about.

I am not saying “ ICE should be stopped and every agent is a problem!” But also to go on the other hand and say “welp this is just part of what’s necessary, and as long as you don’t run and cooperate you’ll be fine” is quite far from the truth. 
 

Hey bud, I'm done with this thread but came back respond to your brown skin quote as if I'm possibly some sort of racist.  I only...

Hey bud, I'm done with this thread but came back respond to your brown skin quote as if I'm possibly some sort of racist.  I only put it that way because that's what the OP was calling it his previous post.  Just so you know, I'm very entangled with latinos and have a lot of Latino friends.  I employ them, I ride and fish Baja with them, I surf with them, I work along side with them, I stay with them in Mex, I travel with them all over Baja and Mainland, etc.  They are brothers to me, does't matter what color skin they are, including "blacks" and "yellows" which the OP also mentioned.  I'm considered family to them, so much that they call me gringo boy and another nickname that I will not mention here, and in return I call them pendejos.  We get a lot of laughs out of each other, just like any brothers joking around.  I've done a lot for people south of the border and they appreciate it.  In return they give me access to their families and homes down there.  Nothing more I like than an authentic home cooked family meal south of the border after a long day of riding or surfing.  I do always rag on them though about their obsession with tamales, albondigas, and pozole.  I just don't get it.  I tell them don't waste your precious time making that stuff, carne asada is all I need/want when I stay over.

With that said, I'm sure there are isolated ICE incidents like you mention, but I highly doubt that is happening as often as you think.  On the flip side there are also videos I posted above of them getting pelted with rocks, and a bunch of hostile protestors causing havoc, so what gives.  If I'm getting pelted with rocks with heavy protest, I'm sure it's going to affect how aggressive I get when I jump out into a chaotic scene.  Perhaps the aggression is also part of the shock and awe approach that Getfresh mentioned above. Bottom line is, there are always bad eggs like you've probably see in videos, but I highly doubt legals are being arrested and injured often.  And if they are, then they'll have quite a case to go after damages.

I'm not seeing what you are referring to in LA, although I'm sure it happens. It's more of the large crowds of nasty protestors that give latinos a bad look here. Meanwhile, I'm sitting at the dinner table with my latino friends just shaking our heads at it all.  There is no perfect solution unless all illegals self deport.  There will always be bad cops, politicians, CEO's, protestors, etc.  Nothing can be perfect and there will always be some carnage on both sides.

I'm out.

Cuidate.

I wasn’t calling you racist.


Really quick though, 2 things you mentioned 

“I doubt it’s happening as often as you think” - I don’t have to think or imagine anything, the proof is in front of me. So yes it is. 

” I highly doubt legals are arrested and injured often” - So far 170 legal citizens have been arrested , by force either with their front door being blown off their house and raided by ICE wrongly, tacked by agents on the street, punched, tazed, and beaten I am not exaggerating, these are facts and could be proven. Not to mention the ICE raid on the Chicago apartment building where they zip tied several children (citizens) to a light pole outside for hours at 2am. Or the 3 pregnant women who were arrested. All of these people are US Citizens minding their business. (Except the couple that got arrested from previous protests that were violent) does this seem like “I highly doubt that happens often, or ‘ I think it’s happening more than it is’”?

1
2
El_Rayo
Posts
575
Joined
6/21/2025
Location
Valparaiso, IN, USA
Fantasy
10/17/2025 4:51am Edited Date/Time 10/17/2025 4:53am
You're not getting it.  Come on out, we'll show you around the hood, you'll see not all brown skin runs from ICE, you'll see a fisherman...

You're not getting it.  Come on out, we'll show you around the hood, you'll see not all brown skin runs from ICE, you'll see a fisherman lean left, and I'll wear a mask and no one will get kidnapped, except for some cows.

Pig.jpg?VersionId=80IlnwjQ3MW Bf
El_Rayo wrote:
As a fellow “brown skin”, from what you’re saying about ICE is somewhat true. For years most people have not had issues with immigration being enforced. But as...

As a fellow “brown skin”, 

from what you’re saying about ICE is somewhat true. For years most people have not had issues with immigration being enforced.

 But as of lately the way it’s been executed has been worrisome. I live near a big city, Chicago, My wife is from there. I have family, and friends who live there. I also go there multiple times through the week for client and business meetings. Everyone is in awe how dozens of ICE agents are harassing citizens. You said earlier “as long as you don’t run, cooperate and show them proper ID, you’ll be fine and go about your your way” I’m sorry but that’s simply not true. In a lot of cases sure that will happen. But I’ve been reading, hearing , and seeing countless stories and videos from people personally and on local social media posts, of regular US citizens being harassed and arrested. Someone walking on the street when 2 black SUV’s with men in masks show up, tackle someone to the ground while the person is saying “I’m a US Citizen!!” Meanwhile the agents are yelling “shut up Bi***!” , the man suffered multiple broken bones and was held in custody for several days. This is just one example, but I’ve been seeing videos throughout the past 2 weeks of a lot of this happening. Same thing, agents pull up> tackle a person without letting them verify they are a citizen> person says “I’m Legal!” > is ignored and arrested. 

As for the protests, some of them looked violent by some protesters which is awful and not right. But on the other hand, there are also videos showing peaceful (non violent, but still vocally aggressive) protesters? Being shot with pellets in the face, or just recently here in Chicago tear gas being thrown to people , and police officers as well. (2 times so far).


Another example, is when ICE officers “think” they see an illegal, they are using take down maneuvers in their SUV’s , crashing into the the car, ramming it. I would think that’s pretty unsafe to other drivers on the road? And also, what if you’re not an illegal? You just have to deal with a totaled vehicle now. 

Another example (seen this 2 times) while cruising the streets of Chicago, if someone pulls out their phone and records the ICE vehicle while driving, the agents quite literally roll the windows down and point their firearm at them out the window, and antagonize them vocally. 
 

In another video, 2 US Citizens are stopped by ICE being screamed at, and the one ICE agent has a swastika tattoo under his neck. 

These are just a few examples, but like I said I am hearing things firsthand from people in the city , as well as videos circulating. There are countless more I could go on about.

I am not saying “ ICE should be stopped and every agent is a problem!” But also to go on the other hand and say “welp this is just part of what’s necessary, and as long as you don’t run and cooperate you’ll be fine” is quite far from the truth. 
 

Hey bud, I'm done with this thread but came back respond to your brown skin quote as if I'm possibly some sort of racist.  I only...

Hey bud, I'm done with this thread but came back respond to your brown skin quote as if I'm possibly some sort of racist.  I only put it that way because that's what the OP was calling it his previous post.  Just so you know, I'm very entangled with latinos and have a lot of Latino friends.  I employ them, I ride and fish Baja with them, I surf with them, I work along side with them, I stay with them in Mex, I travel with them all over Baja and Mainland, etc.  They are brothers to me, does't matter what color skin they are, including "blacks" and "yellows" which the OP also mentioned.  I'm considered family to them, so much that they call me gringo boy and another nickname that I will not mention here, and in return I call them pendejos.  We get a lot of laughs out of each other, just like any brothers joking around.  I've done a lot for people south of the border and they appreciate it.  In return they give me access to their families and homes down there.  Nothing more I like than an authentic home cooked family meal south of the border after a long day of riding or surfing.  I do always rag on them though about their obsession with tamales, albondigas, and pozole.  I just don't get it.  I tell them don't waste your precious time making that stuff, carne asada is all I need/want when I stay over.

With that said, I'm sure there are isolated ICE incidents like you mention, but I highly doubt that is happening as often as you think.  On the flip side there are also videos I posted above of them getting pelted with rocks, and a bunch of hostile protestors causing havoc, so what gives.  If I'm getting pelted with rocks with heavy protest, I'm sure it's going to affect how aggressive I get when I jump out into a chaotic scene.  Perhaps the aggression is also part of the shock and awe approach that Getfresh mentioned above. Bottom line is, there are always bad eggs like you've probably see in videos, but I highly doubt legals are being arrested and injured often.  And if they are, then they'll have quite a case to go after damages.

I'm not seeing what you are referring to in LA, although I'm sure it happens. It's more of the large crowds of nasty protestors that give latinos a bad look here. Meanwhile, I'm sitting at the dinner table with my latino friends just shaking our heads at it all.  There is no perfect solution unless all illegals self deport.  There will always be bad cops, politicians, CEO's, protestors, etc.  Nothing can be perfect and there will always be some carnage on both sides.

I'm out.

Cuidate.

Again, I’m not here to shame immigration for doing their job. But to have a “🤷🏽‍♂️” attitude about how they’re  going about it, is too apathetic. 

1
2
LoudLove
Posts
3007
Joined
7/16/2010
Location
USA
10/17/2025 5:17am

ICE agent training likely leaves a bit to be desired.  New recruits often lack law enforcement backgrounds and are sent straight into the field. They may not know how to deal with these situations other than brute force. There’s a subtlety in managing people under duress that only experience can teach. Especially when those people are the parents of young children caught in the melee. 

2

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