The end of the year 2012 reiterates many of the same issues as any other end of the year phenomenon. Political discussions of social security reform, gun control and mental healthcare (especially since the tragedies in Aurora and Newtown) are still being mulled over with little resolution.
The billions of dollars that tried to buy an election that alleviated the concerns of many constituents (Romney campaign 47%…) could have been used to help resolve some of America’s most important concerns like the rising cost of gas, food and education.
Gun control needs to be put under control and not by NRA advocates…”Rep. Ron Paul, not one to shy away from controversy, has blasted the National Rifle Association for proposing that every school hire armed guards to protect against mass shootings, and has also condemned liberals for promoting more government control of guns.”
Rep. Ron Paul is correct in his assertion that gun control laws will not eliminate mass murder disasters but eliminating legal access to assault weapons for civilians with severe penalties if the law is violated would definitely be a good starting point. Accessing good and continuous mental healthcare is key to the reduction of delusional killings.
The cost of effective mental healthcare is one of the major reasons that persons who may be delusional refuse to seek help. Even when treatment is covered by insurance, it is usually covered at a 50% coinsurance rate rather than a 80-90% coinsurance with term limits. Also, people who are mentally ill can often disguise their condition convincing doctors that they will not harm themselves or anyone else.
The antiquated system of relying on a bi-polar or schizophrenic person to determine their own state of mind is not an efficient way of assessing their mental state. Family members, friends or associates should be consulted when possible especially when they have observed strange behavior.
One of the most over-looked but very important concerns is that the Social Security Administration needs to reevaluate how the configuration of benefits is determined…2013 needs to be the year for change that benefits people who have worked for several years expecting a comfortable retirement paycheck.
Here is how it should and could be implemented for current and future retirees:
“” Not only did we all contribute to Social Security but our employers did too. It totaled 15% of our income before taxes. If you averaged $30K per
year over your working life, that’s close to $180,000 invested in
Social Security. If you calculate the future value of your monthly investment in social security ($375/month, including both your and your employer’s contributions) at a meager 1% interest rate compounded monthly, after 40 years of working you’d have more than $1.3+ million dollars saved! This is your personal investment.
Upon retirement, if you took out only 3% per year, you’d receive
$39,318 per year, or $3,277 per month. That’s almost three times more
than today’s average Social Security benefit of $1,230 per month,
according to the Social Security Administration (Google it – it’s a fact).
And your retirement fund would last more than 33 years (until you’re
98 if you retire at age 65.
Nationally, we need to impress upon our legislators that all constituents should retire without hardship, mental healthcare requires less expensive treatment options and gun control laws need to be implemented . These 3 issues should be prioritized as essential 2013 mandates.