Sunday, May 27, 2012

Controversy Over Social Security - Part 1 - An Overview

The Social Security system has been mired in controversy from the time it was first proposed to the present day. The opposition and criticism has ranged from the most abstract academic discussion of its constitutionality to the most shrill and absurd proclamations about it being a step to Soviet-style Bolshevism.

Social Security is unique in that it has been constantly attacked from all sides and has still remained popular with most American's.

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Opposition from the right-wing of the American political spectrum has always revolved around two points: the interests of big business and populist opposition to the federal government in general.

Controversy Over Social Security - Part 1 - An Overview

Big business opposed Social Security because it imposed new taxes, new bookkeeping requirements and undermined the absolute dependence of the employees on the company. The populist opposition stems from the larger issue of state's rights that has been a constant theme in American politics since before the nation was even founded. The state's rights position is essentially that the individual states should have much more power and the federal government should be extremely limited.

Social security was obviously an enormous expansion of federal power and involvement throughout the country and as such was opposed by the state's rights advocates.

From the left-wing, the opposition first focused on the overtly discriminatory aspects of Social Security. As these concerns were steadily addressed, the criticism from the left tended to argue that Social Security was not doing enough and that it should be greatly expanded.

The original Social Security Act of 1935 reflected its time and focused most of its benefits on white men. The measures taken for women were predicated on the woman being unemployed and many benefits could only be received through male relatives. African-American's, Native-American's, and other national minorities were almost completely excluded at first.

Later, after these discriminatory measures were resolved, the emphasis changed to doing more. This includes measures to increase general benefits to efforts to get new medical conditions and subgroups of people included on the list of those that can receive benefits.

Opposition has also come from strictly pragmatic sources that are responding to their immediate self-interest as opposed to being led by political or ideological convictions. For example, prior to 1956 when the Disability Program was signed into law, the private insurance industry - that had a monopoly on disability insurance - campaigned and lobbied extensively against not just this measure, but the entire system. A more recent example was the Republican attempt to privatize SSA by transferring the funds held by the government to Wall Street investment firms. In order to justify this, it was necessary to demonize the government's administration of the funds. As this would have represented a massive windfall for the investment firms, they financed a massive national campaign portraying the Social Security Administration as inept, incompetent, and ineffective. The effort failed, but represented a pragmatic attack on Social Security by the investment firms as opposed to an ideologically driven one.

Social Security is, and always has been, a "hot-button" issue for many in the United States. The issue has always been surrounded by arguments, lawsuits, propaganda, and appeals to the public to demand change in one way or another. Many of these controversies have resulted in changes to the original system. In this series we will look at many of the controversies that have been simulated by the Social Security system and how they were resolved.

Controversy Over Social Security - Part 1 - An Overview

Wendy Polisi is one of the founders of Social Security Insider Secrets [http://www.socialsecurityinsidersecrets.com/category/social-security]. To find out more about social security retirement and social security disability benefits, please visit her at Social Security Insider Secrets.

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Wednesday, May 16, 2012

Getting the Most Out of Your Car Repair Garage

Getting the most out of a car repair garage isn't easy. These tips will help you get more out of any of the services offered by your garage.

Book ahead. Booking appointments for routine maintenance ahead of time ensures that you can get an appointment to suit your schedule.

Be precise. Talk to the garage about exactly what type of service your car needs and what you expect from them. If you don't know what your car needs, tell them!

Speak up. Most garages aren't going to do a bonnet to boot check of your car to find everything that's wrong with it. If you've noticed something is amiss with your car - like a strange noise it hasn't made before - talk to the mechanic about it. Any information can ensure your car gets thoroughly checked.

If you're taking your car in for a repair because you're having certain issues or concerns, write down what you have noticed before you take your car in. Does your car make a funny noise only in a certain gear or at a particular speed? Can you describe the noise? Does it get louder at some times than others? If you're working with a great garage, they'll take notes on what you've noticed and ask plenty of detailed questions to get an idea of how to treat your car.

Ask for an estimate. Make sure your car repair garage gives you a detailed estimate in writing so you can decide which repair service your car needs.

Be ready. Before you hand your car over to the mechanics, make sure the garage understands that they should call you first to let you know if they find other problems. They should get your permission before adding extra work that will cost more and take longer to complete.

Know how much labour costs. Knowing the actual labour rates of your garage, rather than just the total cost of services, is one way to find a good garage. Cheaper isn't always better, remember, but you don't always have to go with the most expensive option, either. Dealers normally have higher rates of £100 or more per hour, and lower quality garages offer rates as low as £30 per hour (time of writing April 2012). Independent garages with high quality mechanics normally charge between £50 and £60 per hour.

Ask about waste disposal charges. Legally, garages have to dispose of waste in a way that doesn't harm the environment. Fees for doing so are normally added on top of labour and parts charges, and good garages will let you know how much you're paying for these upfront.

Get a detailed invoice. An itemised invoice will let you know where your money was spent.

Keep your old parts. One way to make sure the work was done right is to ask the garage for any old parts that they have replaced. Have the mechanic show you where the old part went, and if possible try to make sure you can see the new part in its place. That way, you'll be able to see the results of the work you're paying

Let them know. If you aren't happy with the garage's customer service or repair job, let them know. If a garage wants to keep its customers, as good garages do, they'll set things right quickly so that you're satisfied with their work.

Luke Tebby is the assistant manager at SF Tebby & Son a family run car repair garage in Bristol providing high quality car servicing, have an onsite MOT testing station and buy and sell used cars. Luke is an avid car enthusiast and author of the company's website and blog. Find all the latest information on the motor industry and tips to keep your motoring pain free at SF Tebby and Son.

Article Source: http://EzineArticles.com/7040644