Rick Fayard, Attorney at Law



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(Un) Affordable Care Act

Posted on January 19, 2017 at 10:00 PM Comments comments (32)
          The debate rages on to confirm the new President's Cabinet.  One of those to be confirmed is Dr. Tom Price, an orthopedic surgeon, and a 6 term representative from Georgia, has been appointed to head the Department of Health and Human Services.  This is the Department which administers and oversees Obamacare or the Affordable Care Act.  In 2010 we were all assured by Mr. Obama that we could keep our policy and our doctor and that application to Obamacare guaranteed a lower premium cost.  He promised that such universal coverage would even reduce the national debt.  However, we couldn't keep our policy, or doctor, our premiums have soared and the National Debt has risen from 10 trillion dollars to 18 trillion during  his administration.  Yep, something has to be done.  Additionally, according to Forbes, the ACA will increase the debt by $200 billion per year.  Why?  Because we are subsidizing 25 million people who have insurance and don't pay for it, and the middle class are being killed by rising premiums and taxes.  The original policy called upon everyone to pay not only for birth control, but also abortions.  Virtually, every leftist minority group has contributed to a bad act which was sold by absolute lies.           What can we do?  How about creating an honestly affordable policy with only the necessities included for everyone.  If you want or need extras, you assume and pay for the risk.  Everyone needs hospitalization and co-pay for doctor visits.  You can pay for your own birth control and abortion.  People with pre-existing conditions can be placed in a separate pool and can share the risk and cost together.  Medical insurance costs  for young people are  less than average, so they should be allowed to remain on their parent's policies while they remain students.  Best of all,  private  Insurance companies should be allowed to competively bid on covering a percentage of the policies.  Gradual movement to the private sector out of the bureaucracy will save money and increase efficiency.  The ultimate objective would be for the states to reassume control over the insurance industry and Medicaid.           

A few facts about me

Posted on January 9, 2017 at 4:30 PM Comments comments (2)
It's the beginning of the New Year 2017, I am beginning to write down some of my thoughts, impressions and concerns, and I'll use this as a forum to express those ideas. As you can see from the photos on the website, I've enjoyed a wide range of activities during my life. My father was a career Air Force Field grade Officer, and as a result, our family traveled around the country. We lived in Biloxi, Mississippi, El Paso , Texas, San Antonio, Texas, Sacremento, California, Savannah, Georgia, and Plattsburgh, New York, where I graduated High School. I enjoyed reasonable academic and social success, but really grew to love sports. This background became the foundation for the rest of my life. I was led in to coaching by Judge Billy Ross Robinson, and from there coached 24 consecutive years of football, baseball and basketball. I have grown to believe that participation in sports, and all the hard work involved in successfully competing, is the best way for kids to avoid trouble with authorities. I started College at the University of Mississippi on the football team. I was there in the fall of 1962. Also there was a gentleman named James Meredith, who, coincidentally, enrolled the same semester. I have joked that Ole Miss never experienced a RIOT in the 100 or so years before I was there, and they haven't had any since I left, 55 years ago, but boy did they have one in 1962 during the one semester I was there. My parents thought the people there were crazy, and demanded I transfer to LSU, which I did. At LSU I played a little baseball, joined the Air Force ROTC, Became a Sigma Chi, and worked at many part time jobs to try to pay my way through school. Included in those jobs was becoming a Title Abstractor for a large law firm. In the summers I was a cook on a rig, and worked two summers on a pipe line. I took the LSAT and the MSCAT and qualified and decided to go to Law School. It was the Viet Nam era so we all prepared to go. I took and passed the Navy OCS exam, and awaited the call. We had illness in the family, and my admission into Law School was delayed. I became an assistant golf professional, then a claims adjuster, then went to Law School at LSU. After law school, first job was with a large firm in Baton Rouge working insurance defense cases. I was working the wrong side. I wanted to help people, not big corporations. Came to Shreveport-Bossier to practice with an old friend, then gradually moved to Bossier City . I'm now in my 43rd year of practice. I really love working on different types of cases. We handle personal injury cases ( car accidents, truck accidents, ( received an award from Transport Insurance Company), Successions, Family Law, Criminal Law, Contracts, Corporations, Insurance Law, Trial Practice, Real Estate, Taxes, and generally everything that goes to Court. If you have a question about the law, Please write to me here, and I can give you a general response. If you have a question about LSU, send it on. A question about sports, I love it. Raising kids, I've raised 5. Gardening is my bag, especially Hydrangeas. Look forward to hearing from you. [/★ Owner]

Welcome to My Blog

Posted on November 17, 2016 at 5:15 PM Comments comments (0)

This is where I will post my random musings, thoughts on LSU football and answers to frequently asked questions. I will do my best to update in a timely manner, so be sure to check back often.