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Kristin's avatar

I really enjoy the sleep studies as I find it all so fascinating! I am an early to bed, early to rise person. I love the early mornings the best. I know people who like to stay up late - some because that's their sleep cycle, others because of 'sleep revenge.'

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dj l's avatar

I'm like you. Word-for-word, could repeat what you wrote.

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dj l's avatar

I'll do a bit of a repeat post from yesterday, & I'll also repeat that I point fingers at both sides (unlike many commenters on this site, as well as much of what Murphy also does w/ his bias).

Our country cannot continue building debt, increasing our interest payments on that debt. That affects the future of our country. I want this shutdown to continue, I want Trump to follow-thru on eliminating many non-essential positions. Some of those, ie, parks, can be taken up by philanthropists. Many "lost" jobs can then be filled by the private sector, unless, of course the cycle continues as described below, interest rates are forced to be raised again, private investment is damaged, etc., etc.. just keep reading, & study it yourself. Maybe apply similar figures to a charge card debt of your own. How responsible would you consider it to be if you kept charging, charging, charging, then could only pay a bit of the interest on the debt??? Would you teach your kids to do that?

I'll summarize the following here, but please pay attention for future generations, not just you: If interest payments on the national debt continue to grow, the U.S. government will face a constrained budget, forcing it to spend more on interest instead of other priorities like INFRASTRUCTURE, EDUCATION, OR DEFENSE. We don't need our federal taxpayer $ going to many of the redundant areas that are now being suppored. This will also reduce the money available for private investment, slowing economic growth and potentially increasing interest rates further, creating a cycle of higher debt and interest costs that can undermine economic stability and public confidence.

Total Gross Debt: ~$37.43 trillion

Debt Held by the Public: ~$30.12 trillion

Intragovernmental Debt: ~$7.31 trillion

The interest paid by the U.S. government on its national debt is a large and rapidly growing expense, projected to reach $952 billion in fiscal year 2025 and $1.8 trillion in 2035. This significant cost is driven by a combination of high levels of national debt and increased interest rates, making interest payments the fastest-growing portion of the federal budget. In fiscal year 2024, these net interest costs totaled $882 billion, more than spending on Medicare or national defense, and were the second-largest federal expenditure after Social Security

Impact of Interest Costs

Budget Squeeze: As interest costs grow, they take a larger share of federal revenues and overall spending, potentially limiting resources for other programs.

Growing Expense: Interest on the debt has become the second-largest expenditure category in the federal budget, exceeding spending on Medicare and national defense in 2024.

Future Projections: Projections show this trend continuing, with net interest costs expected to total $13.8 trillion over the next decade (FY 2026-2035).

FY 2024: Net interest costs were $882 billion.

FY 2025: Net interest costs are projected to be $952 billion.

FY 2035: Projected net interest costs are expected to be nearly $1.8 trillion.

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Darrell's avatar

In the “big beautiful bill” the 10 year savings of $1 trillion are offset by the $5 trillion in tax cuts. That is a pretty simple problem to address many of the issues you noted in your copy & paste.

https://www.nytimes.com/interactive/2025/06/30/upshot/senate-republican-megabill.html

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SPW's avatar

Did you notice that now The Mouth is bragging about the $7T in tariffs that have been rolling in so now people are asking if that’s true, where are the receipts? If true, then why are we in this budget crunch? If true, what has The Mouth done with it?

Oh, and by the way, I’m old and been every party in the book in my lifetime so I don’t mind admitting I’m partisan as hell against everything that thing in his tarted up Oval Office stands for. Project 2025 could be coming to your doorstep very soon.

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dj l's avatar

I will reply to my own post. And will add the PERSONAL NOTE, DO YOU TEACH YOUR CHILDREN TO MAX OUT THEIR DEBTS & ONLY BE ABLE TO PAY INTEREST PAYMENTS? Perhaps those replying should ONLY pay attention to the meat of my postings, about US interest & debt.

Plus most everyone pays attention to their credit rating... or at least they should. Do you teach your children to? Do you teach your children how to look up their rating on a regular basis to make sure it's not "slipping"?

The United States' credit rating is no longer "AAA" from the three major agencies. Moody's downgraded the US to Aa1 in May 2025, and Fitch downgraded it to AA+ in August 2023. S&P Global has maintained an AA+ rating since 2011. The downgrades reflect concerns over the growing national debt and challenges in fiscal policy.

Credit Rating Details

Moody's: Aa1 (as of May 2025)

Fitch Ratings: AA+ (as of August 2023)

S&P Global: AA+ (as of August 2025)

Why the Downgrades Matter

Higher Borrowing Costs: A lower credit rating means the government pays higher interest rates on its debt.

Increased Debt Burden: Higher interest payments exacerbate the national debt, potentially leading to higher inflation.

Impact on Investors: These changes can trigger a chain of events that eventually impact individual investors and consumers.

Reasons for Downgrades

Growing National Debt: All three downgrades cite the substantial and increasing level of national debt and deficit spending.

Fiscal Policy Effectiveness: Concerns about the effectiveness and predictability of the U.S.'s fiscal policies have also been a factor.

Political Polarization: Issues related to spending and tax policy, along with political standoffs over the debt ceiling, have contributed to the downgrades

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Darrell's avatar

Do the math on my comment…trump will increase the debt by $4 trillion with his BBB…and the GOP is complicit.

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Danny Mat's avatar

nice call-out on Murphy's bias.

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Darrell's avatar

Our TV is off by 9:30 pm. We then listen to ambient music and read until the lights automatically begin a 5 minute dimming cycle. As the lights dim I put in my iPods, place an eye pillow over my eyes and relax for a song or two of ambient music.

This will be an interesting shutdown, especially for the millions of people that cannot afford a 75% increase in their medical coverage. I suspect many are contract workers with no access to coverage through work. What happened to compassion and representation of all Americans in our congress?

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dj l's avatar

you mean increased costs due to this:

funding bill for the federal government is Democrats' insistence that the legislation include extensions for Obamacare subsidies to address a problem that, as Paige Winfield Cunningham noted for The Washington Post, "even supporters of the Affordable Care Act fight admit is a flaw in the original law: It wasn't generous enough to make plans affordable." Having built much of their eroding reputation on the cobbled-together public-private health care coverage scheme, Democrats need to prop it up with more taxpayer money to keep it functioning.

That Affordable Care Act bill that was passed under Nancy Pelosi, that was something like 1500 pages long, that even those who signed/passed it admitted they had no time to read it, had no idea what it involved....

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Darrell's avatar

The ACA is part of our health care system and cannot be removed without a reasonnable replacement, something that has been promised but never delivered. According to your note, the ACA should be made even more robust, not less. The alternative is less Americans having access to affordable healthcare.

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dj l's avatar

you see, we can agree on some things. I KNOW promises have been made & never followed thru.

Same as when McCarthy was ousted as Speaker of the House by fiscally conservatives & Johnson swore he'd make things right. He's not doing right. There are so many spineless Republicans right now, it's sickening.

I just bought a mug: Citizen Legislators: NOT Career Politicians

www.TermLimits.com

See - I DO NOT JUST POINT FINGERS IN ONE DIRECTION.

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Danny Mat's avatar

Within my local e-newspaper, I have pointed fingers in both directions, contrary to what many progressives on that site would say due to their motive attribution asymmetry. Same for the one you winked about...

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Darrell's avatar

I’m easy to get along with. As long as you aren’t racist, bigoted, sexist, or homophobic, we’ll probably be friends. The only people I really don’t care for are those who exhibit one or more of those traits.

Real patriots embrace diversity. When you love your country, you love the people who reside there. Only by being better neighbors and taking a stand together against an evil, fascist regime do we create true power to the people. Anything less is a wannabe dictatorship and a political shit-show.

Wink, wink; nudge, nudge, say no more…

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Darrell's avatar

What did we agree on?

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dj l's avatar

In answer to your question: that a substitute for ACA needs to be agreed upon.

I believe insurance needs to be available across state lines, as one possibility.

Insurance companies are a culprit. Insurance companies and their associations are strong lobbyists that work to maintain the current system of state-based regulation, which effectively prevents the widespread sale of insurance across state lines. They do this by raising arguments against interstate sales that often align with their financial interests.

The insurance industry supports the current system of state-by-state regulation established by the McCarran-Ferguson Act of 1945. This arrangement gives individual states, rather than the federal government, the power to regulate and tax insurance companies. The industry lobbies both state and federal governments to preserve this system.

Framing issues as consumer protection: A key argument used by the industry and its allies, such as the National Association of Insurance Commissioners (NAIC), is that state-based regulation is a vital form of consumer protection. They assert that allowing sales across state lines would create a "race to the bottom" where insurers would relocate to states with the weakest consumer protection laws. They argue this would lead to less comprehensive coverage and a decline in safeguards like limits on pre-existing condition exclusions.

Creating a "risk pool" argument: Insurers and state regulators also claim that interstate sales would "cherry-pick" the healthiest and lowest-risk customers. This would leave states with a sicker, more expensive population to insure, ultimately driving up premiums and potentially causing state insurance markets to fail.

The industry argues that there is "lack of interest" in selling across state lines due to the minimal cost savings and vast administrative difficulties. This includes establishing provider networks in new states and negotiating provider contracts, a significant barrier to entry.

As with other industries, insurance companies use campaign contributions and lobbying expenditures at both the state and federal levels to influence policy. This financial support helps build relationships and influence lawmakers to support their stance on maintaining the current regulatory structure.

While insurance companies cite consumer protection, critics argue the industry's opposition is primarily motivated by a desire to limit competition.

Critics contend that interstate sales would increase competition, which could lower premiums for consumers. Insurance companies with significant market share in a particular state have a financial incentive to prevent outside companies from entering and undercutting their prices.

Opponents of the industry's position argue that the "race to the bottom" and risk pool arguments, while having some validity, also conveniently protect the industry from increased competition. These arguments shift the focus away from the financial benefits insurers gain from the current, less-competitive system.

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Darrell's avatar

Citations, please?

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dj l's avatar
Oct 3Edited

Democrats want to make permanent the enhanced ACA subsidies that are set to expire at year’s end. But their proposal goes further. Section 2141 of the Democratic version of the continuing resolution (CR)—or stopgap funding bill—would scrap parts of the July law that cut off many non-citizens from federally funded health programs, including some who entered the United States illegally.

Democrats describe this as restoring the pre-July status quo and deny any intent to expand federally funded health care to people who are in the United States unlawfully. Republicans call it a deliberate attempt to direct federal health care dollars to illegal immigrants.

While federal law bars illegal immigrants from Medicaid, Medicare, CHIP, and ACA subsidies, Republicans say that repealing the July reforms would reopen loopholes—through asylum, parole, and state schemes—that had effectively extended federal benefits to people in the United States unlawfully.

Republicans say they are open to considering a fix for the expiring ACA tax breaks, but they say the issue should be handled separately. They are backing a straightforward stopgap spending bill with no “riders” that was passed by the House and would fund the government through Nov. 21 at the existing spending level before the shutdown. It does not include any changes to ACA subsidies.

Previously, hospitals treating illegal immigrants in emergencies could claim an enhanced federal match rate through Medicaid—in some cases higher than what children or seniors generated. The One Big Beautiful Bill Act ends this “bonus” emergency Medicaid reimbursement beginning in October 2026, saving an estimated $28.2 billion. The Democrat version of the continuing resolution bill would restore it.

Also, pre-July rules allowed many asylum seekers and parolees to qualify for Medicaid or ACA coverage, but the One Big Beautiful Bill Act redefined “lawfully present” to exclude them. The Democrat-proposed repeal reopens eligibility to a group that Republicans say is routinely used to mask illegal entry.

The Democrats’ bill would also reopen a Medicaid financing strategy that was described by the White House as the California “loophole,” which drew down billions in extra federal dollars without state spending, channeling funds into programs covering illegal immigrants.

Taken together, Republicans say, these changes show Democrats are not merely defending ACA subsidies for citizens but actively reversing reforms designed to block taxpayer-financed healthcare for those here unlawfully.

A memo released by the White House on Oct. 1 outlines nearly $200 billion in projected costs over 10 years if these provisions are repealed as Democrats requested.

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Darrell's avatar

Need some citations for all this cut & paste unless you wrote it and it is your opinion.

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Darrell's avatar

Massive immigration raid on Chicago apartment building leaves residents reeling: 'I feel defeated'

Chicago Sun-Times, 10/1/25

Jones, 27, is among the residents left at 7500 S. South Shore Drive who are trying to piece together what remains after an early morning, high-powered federal immigration raid led to the arrests of dozens of their neighbors at their South Shore apartment building.

Armed federal agents in military fatigues busted down their doors overnight, pulling men, women and children from their apartments, some of them naked, residents and witnesses said. Agents approached or entered nearly every apartment in the five-story building, and U.S. citizens were among those detained for hours.

When he got home from work, Jones said he entered his unit to find all of his electronics and furniture missing, and all of his clothes and shoes thrown on the floor. Jones said he had no idea who took his belongings and hadn’t received answers from Chicago police.

Rodrick Johnson, 67, is one of many residents who were detained by federal agents during the South Shore raid. A U.S. citizen, he said agents broke through his door and dragged him out in zip ties.

Johnson said he was left tied up outside the building for nearly three hours before agents finally let him go.

“I asked [agents] why they were holding me if I was an American citizen, and they said I had to wait until they looked me up,” Jones said. “I asked if they had a warrant, and I asked for a lawyer. They never brought one.”

A similar raid was carried out in suburban Elgin, when agents led by U.S. Secretary of Homeland Security Kristi Noem rode in a military vehicle and blew down the front door of a home where they detained six people, including two U.S. citizens.

In the South Shore raid, neighbors said federal agents used flashbang grenades to burst through the building and several drones and helicopters were deployed.

Ebony Sweets Watson, who lives across the street, said it “looked like hundreds” of agents were outside her front door.

Watson said she saw agents dragging residents, including kids, out of the building without any clothes on and into U-Haul vans. Kids were separated from their mothers, she said.

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Melissa's avatar

Wow, what a sad commentary on life in America today. I fear it will only get worse - maybe you are headed for another civil war. Scary thought.

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Melissa's avatar

Kinda funny that almost every video conference starts with “Can you hear me”. I guess good tag lines never really die. Sad to lose Jane Goodall.

Why are people surprised that when you build your house on the shoreline, it gets destroyed by water? Same as when you build on a flood plain, you will eventually get flooded. Doesn’t matter how many dykes or barriers you build, water will go where it wants to go. And yet we keep building them.

And it’s long past time for dogs to be out of the public realm. They don’t need to go everywhere. They are pets, not people. I don’t like dogs. Don’t need to have to avoid them on public pathways because their owner is paying zero attention. And I certainly don’t need to have to negotiate them in stores. Don’t get me started on the barking. Dog owners should be required to take training and have their dogs properly trained.

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dj l's avatar

I agree w/ all you said, except I love dogs. I've trained all my dogs. I've trained (unofficially) others to train their dogs. I have a t-shirt w/ an embroidered stick person & an embroidered stick dog on it. Written on it, w/ arrows: Pointing to the dog: Good Dog. Pointing to the person: Bad Person!

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Melissa's avatar

I know many people love their dogs, and they can be a lifesaver. My either always had rotties and they were just big lap dogs. But I am just done with them having to be everywhere. And don't get me started on people who don't pick up the dog poop. Or put it on a bag and then just leave it wherever instead of finding a garbage can.

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dj l's avatar

you need a shirt like mine 😁

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Melissa's avatar

If it was a cat, I would be all over it. Dog, not so much 😺

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dj l's avatar

I also loved my cat!!!! When I was going thru a traumatic time, he crawled up on my shoulders- he was so loving!! He adopted me - came to my house & hung around until I knew he didn’t belong to anyone.

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SPW's avatar

https://open.substack.com/pub/popularinformation/p/update-hedge-fund-billionaire-pressed?r=np4n&utm_medium=ios

This bunch doesn’t like foreign aid nor do they like our farmers much even though they helped pilot him into office. Bailing out his fat cat donors is so much more important.

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dj l's avatar
Oct 4Edited

reminder to readers:

Typical narcissistic comments---

Gaslighting..

You’re Overreacting... ie: "You're so defensive"... "Now you are devolving into silliness"

and if you don't do it my way/if you don't play by my rules, you don't count/what you say is worthless

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