Today we live in an A' La Carte society. The gov't has deemed us smart enough to know what kind of insurance and service we need and want. And we pay for each and everyone of them. For the smart people, they will assess their situation and purchase appropriate coverage's and service. Many of us would deem fire protection a necessity . Along with things like health ins. (which seems like a waste until you are sick) or even auto insurance.
But the reality is that "stuff happens", and unfortunately this A' La Carte society allows people to make the choice between health coverage or a new mustang. Smart people, will look at the shiny mustang and start saving. Darwin's proof population will look at the insurance bill and post in the "pay later" spike only to bury the other 10 "optional" bills that were delayed for the large screen TV and Pay Per View WWE event.
Unfortunately, these people are hazardous not only to themselves but the rest of society. See the pets and neighbor in the article. Government serves to serve the general population, and I for one would like them to mandate payment through taxes for things like healthcare, fire, police, roads, all of the basic services that ensure society runs (albeit to my standards). The payment for these services should be in the form of Taxes. They are as optional as death, but it is also what keeps our society functioning.
young gun
Well, if 50 is young in your book, then I guess I am a young gun. And I disagree with your bargaining power statement.
There once was a company with a great machine that borked. Consultant after consultant was brought in to unbork the great machine. After a couple of years, management finally called in the high priced expert. The expert walked in, looked around for 5 min and pressed a button. The machine roared to life. Upon presenting his $150k bill management asked, isnt that a little excessive for 5 min of work? All of these other consultants didnt charge that much and they worked for months! The expert then commented that its not the time, its the knowledge and knowing which button to press.
In the above scenario, two people made serious money. The agent of all the consultants (head hunter or union) as 2 years worth of fees were collected. And the expert. You can either be the union boss or the expert if you want to make serious cash. The consultants are still looking for their next project as the union boss and expert sip single malts together looking for the next borked machine/process.
My greatest card when bargaining is my history of successful projects, knowledge, and presentation that raises me above the "large labor force". I try to represent myself as something worth more than the average worker. Thus I have had an extremely successful career so far.
As far as Dad goes. He ran his company as like this:
Workers were required to work hard. Sometimes overtime, which he paid OT rates for (dont forget tinbashers are trade) For this hard work, he bought every worker and their wife a trip to hawaii. Another year, they all went to vegas. Each year he would try and do something like this. Staff took the company trucks home instead of driving their own vehicles. In becoming a Union shop, the biggest factor was the "stability" a union shop provided. However, this gave some of the guys the "I will report it to the union" card. So in trade for the stability, the trips disappeared, the trucks stayed in the yard, breaks became regulation 15 min, ie work to rule. Dad was 62 years old and said, Mexico sounds real good, and I have a buyer... Why not retire a couple of years early? (I hope to retire in 5 years)
To do nothing is to be nothing.