Liberty Mutual Auto Insurance Company Review

Liberty Mutual Auto Allowance Aggregation is a solid best for anyone analytic for auto insurance. Read this Liberty Mutual Auto Allowance Aggregation analysis to get a bigger compassionate of who Liberty Mutual is and again adjudge if they may be a acceptable best to accommodated your car allowance needs.

Automobiles are acceptable added and added accepted in the United States and with them the amount of companies that are accommodating to assure them are on the rise. With so abounding costumers in the bazaar there is no acumen for auto allowance companies to apathetic down, and experts are admiration a abiding acceleration in the amount of barter in the bazaar in the next years. With the top assortment of barter in the bazaar it is absurd for an auto allowance aggregation to accretion all of the customers, and it is for this acumen that there are abounding big name allowance companies instead of just one. One of the a lot of acclaimed insurers in the United States is one by the name of Liberty Mutual. 

Liberty Mutual was founded in July 12, 1912 if the Massachusetts Accompaniment Legislature anesthetized a law acute companies to assure their administration with agent advantage insurance. The aggregation bound acquired acclaim and they launched its aboriginal bartering attack 5 years afterwards in 1917. The aggregation advance out so fast that in the year 1937 they had broadcast through the 48 states and in year 1972 they anesthetized the $2 billion mark in premiums. Nowadays they accept broadcast all through out the United States (servicing 42 states) and in added countries of the world. They aswell rank 95 on the Fortune 500 account of bigger corporations in the United States based on 2006 revenues, they accept an estimated $85.5 billion assets and apply added than 40,000 humans I an estimated 900 offices about the world. Added than auto insurance, the aggregation offers homeowners insurance, workers compensation, bartering assorted peril, accepted liability, blaze allowance and accumulation disability. 

Liberty Mutual offers basically one action which is alleged "Liberty Guard Auto Insurance". This allowance plan covers aggregate from liability, comprehensive, blow and theft; and they action added added casework in case you wish to add annihilation else. The accountability advantage in this action pays the amercement acquired by an blow up to action banned and prevents you from accepting sued in case that the blow is your fault. The medical payments advantage are binding in some states, but for the a lot of allotment they are optional. They awning you afterwards an blow and acquiesce you to go see a doctor if abrasion occurs. Endure but not atomic the absolute and blow allotment of your action prevents you from a blow by accoutrement the aliment your car needs afterwards an blow or if it's acquired by fire, flood, etc. For a little bit added money you will be able to add towing and activity advantage in case you charge it at any time.

Liberty Mutual is aswell able-bodied accepted for their discounts and the money extenuative options that they accord their members. Like all the added auto allowance companies, their discounts alter by accompaniment and what some associates ability acquisition as money extenuative options in one state, can arcane be non-existing to others in addition state. Some of the discounts offers by Liberty Mutual Auto Allowance Aggregation cover but are not bound to Blow Prevention Course, Anti-Lock Brakes, Anti-Theft Devices, Mature Driver, Acceptable Student, Multi-Car Action and Driver Training Discount. Apart from these discounts, the aggregation allows the abeyant chump to apperceive some of the basal money extenuative tips accustomed to every individual one of their members. Some of the admonition accustomed by Liberty Mutual is to accomplish assurance a primary affair if affairs your next vehicle. This is important because a car with added assurance appearance will get a lower amount because it will assure its diver better, not to acknowledgment that if it has added assurance appearance is usually beneath to repair.

Other admonition accustomed includes to accede a top deductible if its time to adjudge on a auto allowance plan. A college deductible is acceptable if you can acquiesce to accept it because it will accord you lower account premiums. However it is important to apperceive that in the case of an blow you will accept a college amount of bread-and-butter albatross if your deductible is high. Endure but not least, Liberty Mutual tells their drivers and any added humans that are searching into accepting auto allowance with them to advance a acceptable active record. The beneath infractions a being has on their active record, the lower your exceptional will be and Liberty Mutual awards these drivers with the best rates. 

One endure affair account talking about with Liberty Mutual is their added Claimed Accountability Protection (PIP) coverage. Liberty Mutual absitively to authorize this plan artlessly to acquiesce their barter to assure themselves adjoin abeyant cases in which they can be sued for millions of dollars. This advantage broads the ambit of claimed abrasion coverage, protects a affiliate for accountability advantage acquired by an accident, defends a affiliate adjoin claims and lawsuits and it pays for your aegis anywhere in the world.

Liberty Mutual is a abundant allowance aggregation for anyone that is searching for bargain and abundant service. They are accustomed an A appraisement by A.M. Best due to their accomplished chump account achievement and banking ratings; and they abide to abound excessively. With their altered ante based on blazon of coverage, deductible and discounts; Liberty Mutual is a abundant best for anyone searching for a aggregation with abundant banking adherence and civic (as able-bodied as global) presence.

The Blame Game: GOP Takes Their Turn

Before the final totals were in, the sore losing Republican Party was already blaming Ron Paul supporters for their loss. Having cheated Dr. Paul out of the nomination by every devious method possible, having denied him the opportunity to be a keynote speaker at the Republican National Convention in Tampa, they had the audacity and gall to ask Ron Paul supporters to throw themselves under the Romney bus.

Just as they accused Barack Obama for blaming all of his problems on George W. Bush, the GOP is taking the same path of blaming others for their own blunders. When Tea Party endorsed running mate Paul Ryan promised fiscal responsibility and no debt ceiling increase, he reneged and voted for it anyway. At least he was as consistent a flip-flopping liar as Romney.

Early on during the debates, Rush Limbaugh mentioned that to win the Presidency, the candidates had to sway the 30% of independent and non-partisan voters. In other words, the majority of  the Tea Party folks. I can't see how they would back Romney/Ryan after the double-crossing Ryan gave them. These are Americans who are not lock stepping with any party agenda. These are the young and educated voters, who know better than to by the propaganda slime of the privately-owned major media.

So who will the Republican Party choose as it's next victim? More relevant is the question, "When will American voters realize that the two party system is an illusion and that it never represents the interests of  the People? Will it happen before the collapse of the USA or will this nation struggle and endure another four years of constitutional deterioration and fiscal irresponsibility?

Will more States nullify the Affordable Patient Protection Act and stand by their own legalization of cannabis in the face of federal threats? Or will they capitulate in fear of losing federal funding for their local law enforcement budgets?

And who will they blame when foreign troops under the United Nations flag begin to deploy on American soil to quash "civil unrest" and maintain order when the people begin to rebel against the tyranny that has become the federal government?

Death of a Nation

What will become of America now that liberty has been taken for the illusion of safety? Many people came out this past Tuesday to support the incumbent even with all the issues that have plagued this Administration and the American People.

A hastily passed health care act that will rob over a half trillion dollars from Medicare, restrict medical services based on accounting rather than need, and force people to purchase health insurance, furthering the demand on the people instead of providing them choice.

An appointed Attorney General who has side stepped the law and allowed weapons to be sold to criminal in the now infamous Fast and Furious debacle, a man who has ignored immigration law, has refused to come forth with documents regarding the arms sale debacle that resulted in the deaths of countless civilians on both sides of our southern border, in addition to the Border Patrol agent(s) who also were murdered with those same weapons.

We have currently an Defense Secretary who as told Congress that he gets his marching orders from Nato and the United Nations, unconstitutionally by-passing Congress altogether. But he did say that he would inform Congress of actions if it deemed necessary.

This was never a perfect union and yet it managed to survive and prosper for over 200 years until the foundations of that union began to crumble. There are many places we can point to, but one of the most significant is the Federal Reserve Act of 1913.

Then President Woodrow Wilson admitted that he sold out the nation when he signed that bill into law. Several Presidents since that time expanded the control of the Federal Reserve over the nation’s currency, no doubt to deplete the gold reserves that kept our currency stable.

The promise of ending depressions was short-lived as we all know that the markets crashed in 1929 and many banks failed, leaving the country in a Great Depression, with many homeless and unemployed. It wasn’t until the united States declared war against Japan and finally joined the alliance in Europe fighting Hitler and the Nazis before a sense of recovery began.

Americans seem to have very short term memory when it comes to history. Somehow they allow the same foolish policies to be repeated and they expect better results. History proved time and again that a nation cannot survive purely on borrowing and giving benefits to people who are not productive members of the nation’s society..

When Franklin Delano Roosevelt signed the bills that start Social Security, it was by design a Ponzi scheme, one which could never fulfill the promise of a retirement account for the individuals paying into it. The reality is that it is another method of taxation. But the real problems with Social Security began when Lyndon Baines Johnson became President and raided the funds to pay for a war in Vietnam. By doing so, the nation didn’t raise a ruckus over more debt. It was also during his tenure that the Medicare tax was instituted, yet another method of bilking the fruits of one’s labor.

This nation has trusted its elected representatives to protect their interests and they have not only failed to live up to those expectations and promises, but in fact have sold us out in every way imaginable. By taking over so much of the decisions of the individual, the government has become our nanny, telling us what we may or may not do, regardless of the unconstitutional laws, mandate, policies, and regulations it forces upon us.

Americans have grown fat and lazy while the nation has been taken over gradually by corporations. They have succumbed to slavery plain and simple. They would rather do with less that is provided for them, than to strive for more which they can keep for themselves or share with those truly in need.

The basic rights of the individual have been systematically replaced with permissions granted by the government. Policy has replaced common sense and logic. Look at how many nations that embraced communism, fascism, socialism, totalitarianism, have all failed to sustain them and eventually crumbled. From the mighty Roman Empire to the late U.S.S.R. history demonstrates that only when people remain free and the nation’s government limited can a nation prosper.

Perhaps we can survive another four years. I’m an not so confident that we can. We are on the edge of a precipice and we are not the only nation that faces crisis. We have become morally and well as financially bankrupt. We have become a People divided instead of united.

Perhaps as I have written in past, this great experiment is over and it failed. We will not have long to wait to find out!

The Results Are In: America Lost!

And so it came to pass, that the American people believed that the government was better equipped to care for their needs than they themselves, and so when they were given the opportunity to stand on principles, they instead chose to shirk responsibility and hide behind the illusion of security.

Even after four years of broken promises and shattered dreams, they ignored common sense and logic. The emotional fervor that swept a little known young Senator into the Presidency in 2008 was replaced with an acceptance of fate.

When I first started writing about the elections to come back in 2010, it seemed that the most relevant issue was how the Republican Party was going to respond to the overwhelming support they received from the Tea Party, mostly independent voters who for the most part, were not pleased at all with how the Democratic President and his Congressional majority handled the debt crisis, the health care issue, and the joblessness in America.

A young Congressman, Paul Ryan won his seat on promises of no compromises regarding spending or debt ceiling increases, and yet even after his broken promises to the American taxpayers, he was selected as the running mate for a third-rate GOP nominee.

Even with widespread reports of vote fraud and delegate fraud by the Republican National Committee and many of the state committees, conservative Americans somehow held the belief that they could somehow topple the incumbent President simply by campaigning on negativity.

They American people can only be fooled by the people they came to trust. The privately-owned major media was all in President Obama’s corner, never wavering their loyalty to a man who has singlehandedly done more to obliterate the Constitution of the United States of America and the rule of law, than any President since Woodrow Wilson. Wilson of course signed the Federal Reserve Act which place the wealth of the American People in the hands of private banks. President Obama has shown himself to be one up on that by selling the wages of children and grandchildren to the banks even before they are born.

I have written many posts in these past two years outlining the danger and I have been ridiculed by some and simply dismissed by others. I have constantly read comments that Romney will beat Obama since he is the lesser of two evils. But when the majority of the People spoke, they were satisfied with the present evil and did not want to change to a man who consistently changed his own platform to suit the current trend.

After the Republican National Convention was over, an early GOP nominee dropout emerged as a third party choice. Gary Johnson became the Libertarian party candidate and began his campaign with Ron Paul’s ideology. His results did not hurt either of the party favorites although there are a few people who think that his support hurt Romney.

The thing that hurt Romney the most is Mitt Romney. He fell further from grace by selecting a running mate who had lied to the American People to get into office and whose budget and spending plans would take 30 years to show any improvement in the government.

Ron Paul supporters were even asked to back Romney after Dr. Paul was shunned by the GOP and pretty much locked out of a speaking role in Tampa. I for one did not feel I could back the man nor the party that exhibited such blatant disregard to ethics and the rule of law.

So now we face another four years of an Administration of secrecy instead of transparency, of legislation from appointed czars and directors instead of Representatives and Senators. It seems evident that America in heading towards its end. Liberty and rights are mocked by this President. He has blatantly shunned the rule of law, placed Americans abroad in grave danger, ruined any chance of an economic recovery in the foreseeable future, has made executive orders his method to take dictatorial control of this nation, while his supporters are praising him.

There are many dictators in history who ruined their countries by taking the same route to destruction as President Obama. And it seems the majority of Americans are either ignorant of history or just choose to ignore it.

Where will we be in four years? Will American be a sovereign nation or part of a global government? 

We will soon know!

The Chance of a Lifetime!

History will remember the 2012 United States Election regardless of the outcome. It will either record the greatest defeat of liberty or it will be the greatest restoration of sovereignty known to modern humanity. As the world waits and watches the results, their fate will also be determined by the choice the American voters make.

Some will see this as a challenge between Barack Hussein Obama and Willard Mittington Romney. Others will cast it as a left versus right challenge between Democrats and Republicans. I see it as freedom versus slavery. And then I also see another choice other than the two favorites of the two corrupted political parties.

Gary Johnson dropped out of the GOP race early and became a Libertarian, embracing the same ideology that has been the hallmark of Ron Paul. Dr. Paul was defeated by that corruption and not be the People's refusal to support him. His views of constitutional government, fiscal responsibility, less spending and less taxing all will be proven to be the way to prosperity. History does prove that.

Gary Johnson chose to run as a third party candidate mainly because the two major corrupted parties have locked out everyone else who dared challenge the status quo. In digging through foreign news sources I came up with circumstantial evidence that showed that Ron Paul was the most feared candidate by the left in my post "Obama Issues Kill Order Regarding Ron Paul..." And how Dr. Paul was cheated by the GOP (See: "Tampering in Tampa") by refusing to sit his delegates in state caucuses and in the national convention. Cheating and lying has become the norm for both major parties.

Obama has not produced proof of his citizenship. He has spend millions to cover up his past. His associates and friends are labeled as socialists and radicals. His own words indicate that he wants to change America into a socialist dictatorship, and his actions to bypass Congress through appointed "czars" is more proof than a jury can deny. And yet the privately-owned major media still covers for him as they pretend to give others equal and fair air time.

This nation was founded on basic principles of liberty. It was never a perfect nation, although when we return to those basic principles and hold our elected representatives accountable, it does prosper and provide for the greatest majority of the populace.

Government created the problems that they always promise to fix. Let's start with the most obvious one. Since the installation of the Federal Reserve System, the nation has suffered through more wars and debt than at any time prior. We were the world's richest nation, the most industrially active, and best educated. And that was before there were federal income taxes or Social Security.

As a senior who is rapidly approaching the age where Social Security will be depended upon, I do not feel confident that it will be capable of taking care of my basic needs, even after having paid into it for over forty four years. I would rather have a President and Congress who respect the law and obeys the Constitution. That will mean that all of America will have greater opportunity to prosper and take care of themselves and their communities. Less government is more freedom, and more freedom is less regulation.

Homelessness in America

About 11 years ago, I became homeless when my wife had medical issues that were not being properly treated by her doctors. Bipolar disorder forced me to seek temporary shelter until such a time as my wife emotional state was stabilized. That took over one year of medications and therapy.

I am now homeless again, due to my inability to perform the work required by the employers I have contacted and interviewed with. I am still seeking work but have not had any success at all. Shall I blame the economy or the government? No, the fault lies with all Americans.

The problems of homelessness are issues that affect many both directly and indirectly. Your tax dollars that are used to house criminals are now being used to release prisoners onto the streets or into homeless shelters. This puts additional strain on  the resources that these shelters provide.

I am awaiting a disability hearing next month, and will gladly find a small place when I start receiving benefits. My physical and mental health have been in decline since I have arrived here. Conditions here will never improve to the point that I will feel comfortable in this environment. Now with the announcement that 35 additional inmates will be released into the general population, beds here at the shelter will become scarce.

Fortunately, I do have a bed on a first floor because my condition and surgeon's orders keep me from climbing stairs. I also take the ramps and elevators in public buildings because of the pain associated with lifting my legs and placing bearing weight on them.

For a man that has been so physically active most of my life, this is really a strong blow to me emotionally.  I fight depression on a daily basis, and force myself to do some exercise of my arms and upper body to compensate somewhat for my lack of leg mobility. I have not taken any pain medications yet, but lately it has occurred to me to do so, because it is becoming stressful and keeping me from getting a good night's rest.

I do notice that there is a difference in being homeless now than there was over a decade ago. Perhaps it is due to the depressed economy, but donations are down and hence less is available to those in need. Of course there is some federal government services available, but they are restricted to women with children and families. Here in Oregon, basic medical services are being rationed by lottery. If you are a single male, getting dental and/or vision care is not likely.

I have not had my vision checked in over 15 years and I am also in need of dental work. Unless I get approved for Social Security Disability, I will be stuck in the same place for quite some time.

But I am not sulking and feeling sorry for myself. While there are a number of men here who are quite content on being homeless, many others like myself are looking to better their positions in life and only need a bit of support to get them n their way.

Since being widowed back in 2010, my physical health has deteriorated along with my emotional well being. That has not stopped me from being positive and looking for a few hours work when it is available.  It is my physical condition that prevents me from doing much of the work that I am most qualified to perform.

With all of the promises made by Congress and the President regarding the Affordable Patient Protection Act, none of those promises have had any positive impact in the health care of anyone that I have met and spoken to. I do encourage others to speak out as I do and not let the majority of the public think that everything is okay. It's not!

Perhaps a change in administration will have a positive affect. But so long as the government keeps spending more and more in being the world's police force and offering aid to nations who don't even like us, we will remain in dire straits.

Blessings and thanks to those who read my blog and have made some small donations to support me in what I am doing. I trust that when I do get my benefits, I will be able to do the same for others. There are always those worse off than I am so I will always be charitable, even while I am in need myself. It just seems like the right thing to do.

The World Will Change

It is predictions and prophecy  that guides many. It seems that when you believe so strongly in something, that it will occur. Many people believe in the End Times, and they have pretty most the same idea of what that is supposed to look like.

I see a possibility of an alternative outcome. But it will take a great amount of people who are willing to look beyond the doom and gloom prophets many people now follow.  I see the possibility that people all over the world will begin to awaken.

For so long, the world has been fighting a spiritual tug-of-war as different religions claim exclusive dominion over the souls of humanity. Followers of Jesus, Mohammed, and Moses all believe their way is the only way  to salvation. But what if they are all wrong?

It is quite arrogant for people to cling to beliefs that put the Earth at the center of the Universe. At some point in the past there lacked a basic knowledge of the cosmos and the Earth was even considered to be flat, and punishment of death do those that dared to think otherwise.

As a nation, we face the most important election in our history. The United States was founded on fundamental principles that stated our rights our derived from our Creator, in whatever form that may be to you as an individual. It doesn't matter what God or religion you believe in. As far as individual rights are concerned in the context of a government, our Constitution makes it your right to choose. But keep in mind, others have that same right also. And most important is the fact that because both you and they share the same rights, you don't have to share the same beliefs and opinions, nor can you force your beliefs and opinions on others. That is a clear violation of their God-given rights.

But throughout history, there are always those who feel that "they" know what is best for others. Whether it be a church or an entire religion, whether it be the local, state or federal government, there are always those who think their way is best for the community or for society. I feel there are some basic rights that get infringed upon when one special interest group tries to force their beliefs on everyone.

Which brings us back to why the world must and will change. It is a matter of choice. Some choose to back a group thought process and tell us that they are "free thinkers" and that they just happen to agree with most of the group. If the group is of a special interest, then that it to the exclusion of all others who are not in that particular group or who just don't agree with their opinions.

This nation as an example to the rest of the world, was to allow everyone group to live as they feel best for themselves but without interfering with everyone else. But that was also against the wishes of those groups who wished to control all the groups, and who wanted to homogenize society into a group of obedient workers and managers. They assumed the roles of executive officers and with privileges that denied the majority their basic God-given rights.

Bans on anything the government wants to control is against basic human rights. Allowing one group special privileges over all others is an infringement on the rights of others. Often I hear or read about people who feel that they have been wronged by others who have not allowed basic rights. The simple solution is to allow them rights but not to grant special privileges to them.

The world is in crisis. Economies are toppling the world over. Political and religious conflicts occur daily, with humans murdering humans simply because they differ in thinking. It is all a manipulation and it is made easy because most people deny that it exists. People refuse to believe that their government would harm them. Especially when their government is formed under their beliefs in God.  Somehow  they equate the religious leaders as being all knowing and always right about what God wants from you.

Did you ever bother just asking God? Do you really think that any other human has a more direct communication with God than you or I? Doesn't it seem rather arrogant to think that if God wanted to tell the world something, that it would be through one religion as opposed to all others?

There is religious war being waged today. It is being waged on many fronts as Islam and Christianity clash and Judaism it caught in the middle. But more important to the idea of God-given rights, it the ideological and philosophical war being fought. That the two are intertwined is obvious. Each religion has its own set rules, or prohibitions. And the forcing of those prohibitions as laws of government directly infringe on the God-given rights of all others, who are of a different faith than the current majority or the loudest protester.

As we are less than a week away from the 2012 Presidential Election, it appears that there are lines being drawn to differentiate between the two most prominent candidates in the media.  Yet there are so parallels between these two, I find it less than amusing that the major likenesses are most ignored.

Both Barack Obama and Mitt Romney are for big government and tight control over the citizens. Individual rights mean nothing to either of them although they each pay lip service to it, and defend the denial and suspension of rights when the illusion of security is at risk.

Make no mistake; there is no difference when it comes to enforcing laws like the Patriot Act or National Defense Authorization Act. Both agree that if they feel it necessary, an Executive Order can be written that will by-pass the normal channels of legislation to do whatever it is they want to do.

While on the surface they seem so far apart on many issues that are relevant, they both support the same methods that got us in this mess, whether it is taxes and regulation, or defining a class of people to single out as being good or bad for the nation.

Is it too late to convince registered voters of both major parties to abandon the party and vote for a different candidate?  How about a Libertarian?  How about Gary Johnson?

Only Two Weeks Left!

The lies Romney told years ago are now coming back to haunt him. When I mentioned this in many posts, most people called me a “Paulbot” claiming  that Romney, the man who finished third in the 2008 RNC race, was the best candidate the GOP had. They were wrong then and they are still wrong now.

There was and is only one candidate that Obama and his “handlers” knew would defeat the President in November. That is what the post, Obama Issues "Kill Order" Regarding Ron Paul and Russia Prepares for Nuclear World War III was all about. They all knew that Ron Paul was gaining support from the younger voters and the independents who were fed up with the farce of the so-called two-party system.

In caucuses and primaries across the nation, Ron Paul was gaining on all of the other nominees. In order to stop him, the votes were rigged; the rules were changed by the RNC to disenfranchise delegates supporting Ron Paul. All manner of corruption and media propaganda was used to stop Ron Paul from gaining the nomination.

It is always difficult to defeat an incumbent, more so when the players are cheating. But there is a solution. Vote for Ron Paul!

No matter how much the media and the parties tell you about their candidates, the truth is plain to see by all who wish to see it. Ron Paul is the People’s Candidate because his past and present reflect his commitment to obeying the Constitution and respecting the rights of individuals.

Ron Paul has a solid plan to restore the United States to liberty and prosperity.  Outlined here in the post Dr. Ron Paul's Plans To Reduce The Cost Of Government  he displays a logical and reasonable approach to make America great once again, both for the People of the United States and in the eyes of the world. All he needs from us is our support and vote.

Change Proposal

Change is the one constant that we all can depend on. Whether it is the weather or the seasons, the pressing issues of the moment, change is inevitable.

Many people resist change. “Why can’t it be like it was?” It is because like the seasons, we all change also. Some will change for the better as they experience and learn and others will resist changing no matter what they experience or learn to the contrary of their beliefs.

Nonetheless, change will occur. And in the context of what we live in as a world, the change that has been coming is not the change that most intelligent people feel comfortable with. But it remains constant.

Here in the United States, we get to elect a new President every four years, and if we are pleased with the performance during that term, we can elect the President for another term of four years. And how shall we measure that performance?

Some will say that during Obama’s term, their lives are better. Most will probably say otherwise. I include myself in the latter group, as I have witnessed the rise in unemployment, much of which is unreported since many of  those who collected compensation have exhausted their benefits and are no longer counted as unemployment claims or job applicants for that matter. Many jobs have just disappeared over the last four years.

Some will claim that the Affordable Patient Protection Act will help millions who currently have no health insurance to be covered. My experience is that the price paid for that coverage is less coverage for those who have been paying premiums and even those who have been using subsidized or government provided health care in the past. I have felt the change on a personal level by being denied coverage for dental and vision, and even for a medical device prescribed by a specialist.

The justification for denial of care is an accounting policy, not a medical one. And as more of the Obamacare policies come on line there will be more complaints and less coverage all coming at a higher cost to those who will be paying so that others, currently like me, will have coverage. But once again, having coverage and being denied treatment is still like having no coverage at all.

The candidates debate issues, many of which are targeting particular groups of voters. What they are not debating is the basic liberties and rights that are being taken from the American people. Sure they have justifications for doing so. They always can justify their actions and many people will believe they are justified in doing so.

So I am proposing change in our government, not just in who sits in the Oval Office, but those who legislate in both houses of Congress. I propose taking Democrats and Republicans out of office and replacing them with citizens like ourselves who have no vested interest in creating laws that benefit their lobbyists and themselves at the consequence of so many millions of America people.

I propose that doctors and not politicians help write health care policy without the interference of groups like the American Medical Association and their pharmaceutical manufacturing supporters.