Apartment Insurance Quotes

I needed a vacation. I needed 5 women. I needed to get the wax out of my ears. My car needed an oil change. I'd failed to file my damned income tax. One of the stems had broken off of my reading glasses. There were ants in my apartment. I needed to get my teeth cleaned. My shoes were run down at the heels. I had insomnia. My auto insurance had expired. I cut myself every time i shaved. I hadn't laughed in 6 years. I tended to worry when there was nothing to worry about. And when there was something to worry about, i got drunk.

You told me trees could speak and the only reason one heard silence in the forest was that they had all been born knowing different languages. That night I went into the forest to bury dictionaries under roots, so many books in so many tongues as to insure speech. and now this very moment, the forest seems alive with whispers and murmurs and rumblings of sound wind-rushed into my ears. I do not speak any language that crosses the silence around me but how soothing to know that the yearning and grasping embodied in trees’ convoluted and startling shapes is finally being fulfilled in their wind shouts to each other. Yet we who both speak English and have since we were born are moving ever farther apart even as branch tips touch.

Apart from stemming consumption, the most intractable puzzle that Paul Ehrlich has encountered is why health decisions about Mother Nature—the mother that gives us life and breath—are made by politicians, not by scientists who know how critical her condition is. “It’s the immoral equivalent of insurance company accountants making decisions about our personal health.” Even

They've pulled apart from one another at last, their twee dresses not even rumpled. Their shiny heads of hair not even disturbed. Their skins glowing with health insurance as they all crouch down in unison to collectively coo at a professor's ever jumping shih tzu.

The British people have been nothing but data since William I carried out the first census for the Domesday book in 1086,” he began. “All we are, and all we have ever been, are statistics, so let’s not pretend this is a catastrophic crisis that risks tearing apart the very moral fibre of our society. How do you think you are approved for credit cards and loans? How are decisions made on what you pay for insurance? How do we decide the number of immigrants allowed into our country? Acquired data. All that’s happened here is that we’ve reached a new level in our history where decisions have been made as to your importance to your country.

As my wife saw it—as most people would see it, I imagine—an unwritten book was hardly a financial plan. “In other words,” she said, “you’ve got some magic beans in your pocket. That’s what you’re telling me. You have some magic beans, and you’re going to plant them, and overnight a huge beanstalk is going to grow high into the sky, and you’ll climb up the beanstalk, kill the giant who lives in the clouds, and then bring home a goose that lays golden eggs. Is that it?” “Something like that,” I said. Michelle shook her head and looked out the window. We both knew what I was asking for. Another disruption. Another gamble. Another step in the direction of something I wanted and she truly didn’t. “This is it, Barack,” Michelle said. “One last time. But don’t expect me to do any campaigning. In fact, you shouldn’t even count on my vote.” — AS A KID, I had sometimes watched as my salesman grandfather tried to sell life insurance policies over the phone, his face registering misery as he made cold calls in the evening from our tenth-floor apartment in a Honolulu high-rise. During the early months of 2003, I found myself thinking of him often as I sat at my desk in the sparsely furnished headquarters of my newly launched Senate campaign

The most difficult times for many of us are the ones we give ourselves. —PEMA CHÖDRÖN, WHEN THINGS FALL APART: HEART ADVICE FOR DIFFICULT TIMES

We think that the point is to pass the test or to overcome the problem, but the truth is that things don’t really get solved. They come together and they fall apart. —PEMA CHÖDRÖN

It sounds so pathetic. I’m twenty-six years old with a full-time job and health insurance, and an apartment and student loan bills, and I live alone in New York City, but there are just some things you don’t want to have to do on your own.

Romantic literature often presents the individual as somebody caught in a struggle against the state and the market. Nothing could be further from the truth. The state and the market are the mother and father of the individual, and the individual can survive only thanks to them. The market provides us with work, insurance and a pension. If we want to study a profession, the government’s schools are there to teach us. If we want to open a business, the bank loans us money. If we want to build a house, a construction company builds it and the bank gives us a mortgage, in some cases subsidised or insured by the state. If violence flares up, the police protect us. If we are sick for a few days, our health insurance takes care of us. If we are debilitated for months, social security steps in. If we need around-the-clock assistance, we can go to the market and hire a nurse – usually some stranger from the other side of the world who takes care of us with the kind of devotion that we no longer expect from our own children. If we have the means, we can spend our golden years at a senior citizens’ home. The tax authorities treat us as individuals, and do not expect us to pay the neighbours’ taxes. The courts, too, see us as individuals, and never punish us for the crimes of our cousins. Not only adult men, but also women and children, are recognised as individuals. Throughout most of history, women were often seen as the property of family or community. Modern states, on the other hand, see women as individuals, enjoying economic and legal rights independently of their family and community. They may hold their own bank accounts, decide whom to marry, and even choose to divorce or live on their own. But the liberation of the individual comes at a cost. Many of us now bewail the loss of strong families and communities and feel alienated and threatened by the power the impersonal state and market wield over our lives. States and markets composed of alienated individuals can intervene in the lives of their members much more easily than states and markets composed of strong families and communities. When neighbours in a high-rise apartment building cannot even agree on how much to pay their janitor, how can we expect them to resist the state? The deal between states, markets and individuals is an uneasy one. The state and the market disagree about their mutual rights and obligations, and individuals complain that both demand too much and provide too little. In many cases individuals are exploited by markets, and states employ their armies, police forces and bureaucracies to persecute individuals instead of defending them. Yet it is amazing that this deal works at all – however imperfectly. For it breaches countless generations of human social arrangements. Millions of years of evolution have designed us to live and think as community members. Within a mere two centuries we have become alienated individuals. Nothing testifies better to the awesome power of culture.

I needed a vacation. I needed 5 women. I needed to get the wax out of my ears. My car needed an oil change. I’d failed to file my damned income tax. One of the stems had broken off of my reading glasses. There were ants in my apartment. I needed to get my teeth cleaned. My shoes were run down at the heels. I had insomnia. My auto insurance had expired. I cut myself every time I shaved. I hadn’t laughed in 6 years. I tended to worry when there was nothing to worry about. And when there was something to worry about, I got drunk.

Farmers in the South, West, and Midwest, however, were still building a major movement to escape from the control of banks and merchants lending them supplies at usurious rates; agricultural cooperatives—cooperative buying of supplies and machinery and marketing of produce—as well as cooperative stores, were the remedy to these conditions of virtual serfdom. While the movement was not dedicated to the formation of worker co-ops, in its own way it was at least as ambitious as the Knights of Labor had been. In the late 1880s and early 1890s it swept through southern and western states like a brushfire, even, in some places, bringing black and white farmers together in a unity of interest. Eventually this Farmers’ Alliance decided it had to enter politics in order to break the power of the banks; it formed a third party, the People’s Party, in 1892. The great depression of 1893 only spurred the movement on, and it won governorships in Kansas and Colorado. But in 1896 its leaders made a terrible strategic blunder in allying themselves with William Jennings Bryan of the Democratic party in his campaign for president. Bryan lost the election, and Populism lost its independent identity. The party fell apart; the Farmers’ Alliance collapsed; the movement died, and many of its cooperative associations disappeared. Thus, once again, the capitalists had managed to stomp out a threat to their rule.171 They were unable to get rid of all agricultural cooperatives, however, even with the help of the Sherman “Anti-Trust” Act of 1890.172 Nor, in fact, did big business desire to combat many of them, for instance the independent co-ops that coordinated buying and selling. Small farmers needed cooperatives in order to survive, whether their co-ops were independent or were affiliated with a movement like the Farmers’ Alliance or the Grange. The independent co-ops, moreover, were not necessarily opposed to the capitalist system, fitting into it quite well by cooperatively buying and selling, marketing, and reducing production costs. By 1921 there were 7374 agricultural co-ops, most of them in regional federations. According to the census of 1919, over 600,000 farmers were engaged in cooperative marketing or purchasing—and these figures did not include the many farmers who obtained insurance, irrigation, telephone, or other business services from cooperatives.173

The best available apples-to-apples comparison of inflation-adjusted earnings shows what the typical fully employed man earned back in the 1970s and what that same fully employed man earns today. The picture isn’t pretty. As the GDP has doubled and almost doubled again, as corporations have piled up record profits, as the country has gotten wealthier, and as the number of billionaires has exploded, the average man working full-time today earns about what the average man earned back in 1970. Nearly half a century has gone by, and the guy right in the middle of the pack is making about what his granddad did. The second punch that’s landed on families is expenses. If costs had stayed the same over the past few decades, families would be okay—or, at least, they would be in about the same position as they were thirty-five years ago. Not advancing but not falling behind, either. But that didn’t happen. Total costs are up, way up. True, families have cut back on some kinds of expenses. Today, the average family spends less on food (including eating out), less on clothing, less on appliances, and less on furniture than a comparable family did back in 1971. In other words, families have been pretty careful about their day-to-day spending, but it hasn’t saved them. The problem is that the other expenses—the big, fixed expenses—have shot through the roof and blown apart the family budget. Adjusted for inflation, families today spend more on transportation, more on housing, and more on health insurance. And for all those families with small children and no one at home during the day, the cost of childcare has doubled, doubled again, and doubled once more. Families have pinched pennies on groceries and clothing, but these big, recurring expenses have blown them right over a financial cliff.

Books? Yes, I read a lot, I’ve always read a lot. No, I’m not sure we do understand each other. I like to read best on the floor, or in bed, almost everything lying down, no, it has less to do with the books, above all it has to do with the reading, with black on white, with the letters, syllables, lines, the signs, the setting down, this inhuman fixing, this insanity, which flows from people and is frozen into expression. Believe me, expression is insanity, it arises out of our insanity. It also has to do with turning pages, with hunting from one page to the other, with flight, with complicity in an absurd, solidified effusion, with a vile overflow of verse, with insuring life in a single sentence, and, in turn, with the sentences seeking insurance in life. Reading is a vice which can replace all other vices or temporarily take their place in more intensely helping people live, it is a debauchery, a consuming addiction. No, I don’t take any drugs, I take books, of course I have certain preferences, many books don’t suit me at all, some I take only in the morning, others at night, there are books I don’t ever let go, I drag them around with me in the apartment, carrying them from the living room into the kitchen, I read them in the hall standing up, I don’t use bookmarks, I don’t move my lips while reading, early on I learned to read very well, I don’t remember the method, but you ought to look into it, they must have used an excellent method in our provincial elementary schools, at least back then when I learned to read. Yes I also realized, but not until later, that there are countries where people don’t know how to read, at least not quickly, but speed is important, not only concentration, can you please tell me who can keep chewing on a simple or even a complex sentence without feeling disgust, either with the eyes or the mouth, just keep on grinding away, over and over, a sentence which only consists of subject and predicate must be consumed rapidly, a sentence with many appositions must for that very reason be taken at tremendous speed, with the eyeballs performing an imperceptible slalom, since a sentence doesn’t convey anything to itself, it has to “convey” something to the reader. I couldn’t “work my way through” a book, that would almost be an occupation. There are people, I tell you, you come across the strangest surprises in this field of reading . . . I do profess a certain weakness for illiterates, I even know someone here who doesn’t read and doesn’t want to, a person who has succumbed to the vice of reading more easily understands such a state of innocence, really unless people are truly capable of reading they ought not to read at all.

At such a time [at dawn] I would dream of being a baker who delivers bread, a fitter from the electric company, or an insurance man collecting the weekly installments. Or at least a chimney sweep. In the morning, at dawn, I would enter some half-opened gateway, still lighted by the watchman's lantern. I would put two fingers to my hat, crack a joke, and enter the labyrinth to leave late in the evening, at the other end of the city. I would spend all day going from apartment to apartment, conducting one never-ending conversation from one end of the city to the other, divided into parts among the householders; I would ask something in one apartment and receive a reply in another, make a joke in one place and collect the fruits of laughter in the third or fourth. Among the banging of doors I would squeeze through narrow passages, through bedrooms full of furniture, I would upset chamberpots, walk into squeaking perambulators in which babies cry, pick up rattles dropped by infants. I would stop for longer than necessary in kitchens and hallways, where servant girls were tidying up. The girls, busy, would stretch their young legs, tauten their high insteps, play with their cheap shining shoes, or clack around in loose slippers.

But as he went up to London he told himself that the air of the House of Commons was now the very breath of his nostrils. Life to him without it would be no life. To have come within the reach of the good things of political life, to have made his mark so as to have almost insured future success, to have been the petted young official aspirant of the day, — and then to sink down into the miserable platitudes of private life, to undergo daily attendance in law-courts without a brief, to listen to men who had come to be much below him in estimation and social intercourse, to sit in a wretched chamber up three pairs of stairs at Lincoln’s Inn, whereas he was now at this moment provided with a gorgeous apartment looking out into the Park from the Colonial Office in Downing Street, to be attended by a mongrel between a clerk and an errand boy at 17s. 6d. a week instead of by a private secretary who was the son of an earl’s sister, and was petted by countesses’ daughters innumerable, — all this would surely break his heart. He could have done it, so he told himself, and could have taken glory in doing it, had not these other things come in his way. But the other things had come. He had run the risk, and had thrown the dice. And now when the game was so nearly won, must it be that everything should be lost at last?

And it would be startlingly cheap. IV estimates the “Save the Arctic” plan could be set up in just two years at a cost of roughly $20 million, with an annual operating cost of about $10 million. If cooling the poles alone proved insufficient, IV has drawn up a “Save the Planet” version, with five worldwide base stations instead of two, and three hoses at each site. This would put about three to five times the amount of sulfur dioxide into the stratosphere. Even so, that would still represent less than 1 percent of current worldwide sulfur emissions. IV estimates this plan could be up and running in about three years, with a startup cost of $150 million and annual operating costs of $100 million. So Budyko’s Blanket could effectively reverse global warming at a total cost of $250 million. Compared with the $1.2 trillion that Nicholas Stern proposes spending each year to attack the problem, IV’s idea is, well, practically free. It would cost $50 million less to stop global warming than what Al Gore’s foundation is paying just to increase public awareness about global warming. And there lies the key to the question we asked at the beginning of this chapter: What do Al Gore and Mount Pinatubo have in common? The answer is that Gore and Pinatubo both suggest a way to cool the planet, albeit with methods whose cost-effectiveness are a universe apart.

Olive,’ Mum said, stroking my fringe. ‘I need you to listen to me, and I need you to be brave.’ Opening my eyes again, I swallowed nervously. ‘What’s happened?’ ‘Your sister didn’t arrive at work today.’ Sukie was a typist for an insurance company in Clerkenwell. She said it was the dullest job ever. ‘Isn’t today Saturday, though?’ I asked. ‘She was due in to do overtime. No one’s seen her since she was with you and Cliff last night. She’s missing.’ ‘Missing?’ I didn’t understand. Mum nodded. The nurse added rather unhelpfully: ‘We’ve had casualties from all over London. It’s been chaos. All you can do is keep hoping for the best.’ It was obvious what she meant. I glanced at Mum, who always took the opposite view in any argument. But she stayed silent. Her hands, though, were trembling. ‘Missing isn’t the same as dead,’ I pointed out. Mum grimaced. ‘That’s true, and I’ve spoken to the War Office: Sukie’s name isn’t on their list of dead or injured but-’ ‘So she’s alive, then. She must be. I saw her in the street talking to a man,’ I said. ‘When she realised I’d followed her she was really furious about it.’ Mum looked at me, at the nurse, at the bump on my head. ‘Darling, you’re concussed. Don’t get overexcited now.’ ‘But you can’t think she’s dead.’ I insisted. ‘There’s no proof, is ther?’ ‘Sometimes it’s difficult to identify someone after…’ Mum faltered. I knew what she couldn’t say: sometimes if a body got blown apart there’d be nothing left to tie a name tag to. It was why we’d never buried Dad. Perhaps if there’d been a coffin and a headstone and a vicar saying nice things, it would’ve seemed more real. This felt different, though. After a big air raid the telephones were often down, letters got delayed, roads blocked. It might be a day or two before we heard from Sukie, and worried though I was, I knew she could look after herself. I wondered if it was part of Mum being ill, this painting the world black when it was grey. My head was hurting again so I lay back against the pillows. I was fed up with this stupid, horrid war. Eighteen months ago when it started, everyone said it’d be over before Christmas, but they were wrong. It was still going on, tearing great holes in people’s lives. We’d already lost Dad, and half the time these days it felt like Mum wasn’t quite here. And now Sukie – who knew where she was? I didn’t realise I was crying again until Mum touched my cheek. ‘It’s not fair,’ I said weakly. ‘War isn’t fair, I’m afraid,’ Mum replied. ‘You only have to walk through this hospital to see we’re not the only ones suffering. Though that’s just the top of the iceberg, believe me. There’s plenty worse going on in Europe.’ I remembered Sukie mentioning this too. She’d got really upset when she told me about the awful things happening to people Hitler didn’t like. She was in the kitchen chopping onions at the time so I wasn’t aware she was crying properly. ‘What sort of awful things?’ I’d asked her. ‘Food shortages, people being driven from their homes.’ Sukie took a deep breath, as if the list was really long. ‘People being attacked for no reason or sent no one knows where – Jewish people in particular. They’re made to wear yellow stars so everyone knows they’re Jews, and then barred from shops and schools and even parts of the towns where they live. It’s heartbreaking to think we can’t do anything about it.’ People threatened by soldiers. People queuing for food with stars on their coats. It was what I’d seen on last night’s newsreel at the cinema. My murky brain could just about remember those dismal scenes, and it made me even more angry. How I hated this lousy war. I didn’t know what I could do about it, a thirteen-year-old girl with a bump on her head. Yet thinking there might be something made me feel a tiny bit better.

Lamentations is insurance against premature comfort, against "healing the wounds of my people lightly" During the time of ruin there are always those who attempt to cover the wounds of judgment with band-aid comfort. But comfort cannot function apart from a serious grappling with the pain of judgment.

No onlooker asked, Why fix a house when the airport authority might demolish it? Almost everyone here improved his hut when he was able, in pursuit not just of better hygiene and protection from the monsoon but of protection from the airport authority. If the bulldozers came to flatten the slum, a decent hut was seen as a kind of insurance. The state of Maharashtra had promised to relocate those families who had squatted at the airport since 2000 to tiny apartments in high-rises. To Annawadians, a difficult-to-raze house increased the odds that a family’s tenure on airport land would be acknowledged by the relocation authorities. And so they put their money into what would be destroyed.

Government's commitment to separating residential areas by race began nationwide following the violent suppression of Reconstruction after 1877. Although the Supreme Court in 1917 forbade the first wave of policies—racial segregation by zoning ordinance—the federal government began to recommend ways that cities could evade that ruling, not only in the southern and border states but across the country. In the 1920s a Harding administration committee promoted zoning ordinances that distinguished single-family from multifamily districts. Although government publications did not say it in as many words, committee members made little effort to hide that an important purpose was to prevent racial integration. Simultaneously, and through the 1920s and the Hoover administration, the government conducted a propaganda campaign directed at white middle-class families to persuade them to move out of apartments and into single-family dwellings. During the 1930s the Roosevelt administration created maps of every metropolitan area, divided into zones of foreclosure risk based in part on the race of their occupants. The administration then insured white homeowners' mortgages if they lived in all-white neighborhoods into which there was little danger of African Americans moving. After World War II the federal government went further and spurred the suburbanization of every metropolitan area by guaranteeing bank loans to mass-production builders who would create the all-white subdivisions that came to ring American cities. In 1973, the U.S. Commission on Civil Rights concluded that the 'housing industry, aided and abetted by Government, must bear the primary responsibility for the legacy of segregated housing. . . . Government and private industry came together to create a system of residential segregation.

This was his first trip on the Ossifar Distana, his first real splash in life. Look what it got him. Mister Smiff liked anonymity. He kept a low profile, often traveling under assumed names, claiming to be anything from a banker to a (very) successful life insurance salesman. He’d never broken the law, at least not irreparably. He was quite generous, well liked, sponsoring many charities anonymously – which is why it was so surprising to find him floating face down in the private spa in his apartment, murdered. He had been murdered, unless it was a freak shaving accident. Those old razors weren’t called cut-throats for nothing. Yikes.

One of the many perks that came with the apartment was a life insurance policy issued by Tony at least once every time I talked to him: "Anybody bothering you, you tell me. I'll take care of it. I know people. You don't know who I know, but I know people." This was reassuring, as I knew that the Spagnolis had been robbed one Christmas morning and Tony had been stabbed by the fleeing assailant. The story goes the guys who did it were taken care of. That's it.

It’s perfectly obvious from our society today what those specifications were. Maturity has by now been banished from nearly every aspect of our lives. Easy divorce laws have removed the need to work at relationships; easy credit has removed the need for fiscal self-control; easy entertainment has removed the need to learn to entertain oneself; easy answers have removed the need to ask questions. We have become a nation of children, happy to surrender our judgments and our wills to political exhortations and commercial blandishments that would insult actual adults. We buy televisions, and then we buy the things we see on the television. We buy $150 sneakers whether we need them or not, and when they fall apart too soon, we buy another pair. We drive SUVs and believe the lie that they constitute a kind of life insurance, even when we’re upside down in them. And, worst of all, we don’t bat an eye when Ari Fleischer tells us to “be careful what you say,” even if we remember having been told somewhere back in school that America is the land of the free. We simply buy that one, too. Our schooling, as intended, has seen to it.

Depending on the level of coverage your lender requires, you should be able to insure your property for about $100 per unit per year on average.

Well, folks, you can see that those superscrapers came through the storm just fine. It’s too bad they’re mostly empty right now. I mean they’re residential towers supposedly, but they were always too expensive for ordinary people to afford. They’re like big granaries for holding money, basically. You have to imagine them all stuffed to the top with dollar bills. The richest people from all over the world own the apartments in those towers. They’re an investment, or maybe a tax write-off. Diversify into real estate, as they say. While also having a place to visit whenever you happen to want to visit New York. A vacation place they might use for only a week or two every year. Depends what they like. They usually own about a dozen of these places around the world. Spread their holdings around. So really these towers are just assets. They’re money. They’re like big tall purple gold bars. They’re everything except housing.... Now, here below us is Central Park. It’s a refugee camp now, you can see that. It’s likely to be that for weeks and months to come. Maybe a year. People will be sleeping in the park. Lots of tents already, as you see.... So you know what? I’m sick of the rich. I just am. I’m sick of them running this whole planet for themselves. They’re wrecking it! So I think we should take it back, and take care of it. And take care of each other as part of that. No more table scraps. You know that Householders’ Union that I was telling you about? I think it’s time for everyone to join that union, and for that union to go on strike. An everybody strike. I think there should be an everybody strike. Now. Today.... What I mean by a householders’strike is you just stop paying your rents and mortgages ... maybe also your student loans and insurance payments. Any private debt you’ve taken on just to make you and your family safe. The daily necessities of existence. The union is declaring all those to be odious debts, like some kind of blackmail on us, and we’re demanding they be renegotiated ... So, we stop paying and call that the Jubilee? ... That’s an old name for this kind of thing. After we start this Jubilee, until there’s a restructuring that forgives a lot of our debt, we aren’t paying anything. You might think that not paying your mortgage would get you in trouble, and it’s true that if it was just you, that might happen. But when everyone does it, that makes it a strike. Civil disobedience. A revolution. So everyone needs to join in. Won’t be that hard. Just don’t pay your bills! ... What will happen then is that the absence of those payments of ours will cause the banks to crash fast. They take our payments and use them as collateral to borrow tons more, to fund their own gambling, and they are way, way, way overextended. Overleveraged.... At that point they will be asking the government to bail them out. That’s us. We’re the government. At least in theory, but yeah. We are. So we can decide what to do then. We will have to tell our government what to do at that point. If our government tries to back the banks instead of us, then we elect a different government. We pretend that democracy is real, and that will make it real. We elect a government of the people, by the people, and for the people. That was the whole idea in the first place. As they used to tell us in school. And it’s a good idea, if we could make it real. It might never have been real, up till now. But now’s the time. Now’s the time, people!

Well, folks, you can see that those superscrapers came through the storm just fine. It’s too bad they’re mostly empty right now. I mean they’re residential towers supposedly, but they were always too expensive for ordinary people to afford. They’re like big granaries for holding money, basically. You have to imagine them all stuffed to the top with dollar bills. The richest people from all over the world own the apartments in those towers. They’re an investment, or maybe a tax write-off. Diversify into real estate, as they say. While also having a place to visit whenever you happen to want to visit New York. A vacation place they might use for only a week or two every year. Depends what they like. They usually own about a dozen of these places around the world. Spread their holdings around. So really these towers are just assets. They’re money. They’re like big tall purple gold bars. They’re everything except housing.... Now, here below us is Central Park. It’s a refugee camp now, you can see that. It’s likely to be that for weeks and months to come. Maybe a year. People will be sleeping in the park. Lots of tents already, as you see.... So you know what? I’m sick of the rich. I just am. I’m sick of them running this whole planet for themselves. They’re wrecking it! So I think we should take it back, and take care of it. And take care of each other as part of that. No more table scraps. You know that Householders’ Union that I was telling you about? I think it’s time for everyone to join that union, and for that union to go on strike. An everybody strike. I think there should be an everybody strike. Now. Today.... What I mean by a householders’strike is you just stop paying your rents and mortgages ... maybe also your student loans and insurance payments. Any private debt you’ve taken on just to make you and your family safe. The daily necessities of existence. The union is declaring all those to be odious debts, like some kind of blackmail on us, and we’re demanding they be renegotiated ... So, we stop paying and call that the Jubilee? ... That’s an old name for this kind of thing. After we start this Jubilee, until there’s a restructuring that forgives a lot of our debt, we aren’t paying anything. You might think that not paying your mortgage would get you in trouble, and it’s true that if it was just you, that might happen. But when everyone does it, that makes it a strike. Civil disobedience. A revolution. So everyone needs to join in. Won’t be that hard. Just don’t pay your bills! ... What will happen then is that the absence of those payments of ours will cause the banks to crash fast. They take our payments and use them as collateral to borrow tons more, to fund their own gambling, and they are way, way, way overextended. Overleveraged.... At that point they will be asking the government to bail them out. That’s us. We’re the government. At least in theory, but yeah. We are. So we can decide what to do then. We will have to tell our government what to do at that point. If our government tries to back the banks instead of us, then we elect a different government. We pretend that democracy is real, and that will make it real. We elect a government of the people, by the people, and for the people. That was the whole idea in the first place. As they used to tell us in school. And it’s a good idea, if we could make it real. It might never have been real, up till now. But now’s the time. Now’s the time, people!

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He parted from him on the usual terms outwardly, but he felt obscurely abused by Fulkerson in regard to the Dryfooses, father and son. He did not know but Fulkerson had taken an advantage of him in allowing him to commit himself to their enterprise with out fully and frankly telling him who and what his backer was; he perceived that with young Dryfoos as the publisher and Fulkerson as the general director of the paper there might be very little play for his own ideas of its conduct. Perhaps it was the hurt to his vanity involved by the recognition of this fact that made him forget how little choice he really had in the matter, and how, since he had not accepted the offer to edit the insurance paper, nothing remained for him but to close with Fulkerson. In this moment of suspicion and resentment he accused Fulkerson of hastening his decision in regard to the Grosvenor Green apartment; he now refused to consider it a decision, and said to himself that if he felt disposed to do so he would send Mrs. Green a note reversing it in the morning. But he put it all off till morning with his clothes, when he went to bed, he put off even thinking what his wife would say; he cast Fulkerson and his constructive treachery out of his mind, too, and invited into it some pensive reveries of the past, when he still stood at the parting of the ways, and could take this path or that. In his middle life this was not possible; he must follow the path chosen long, ago, wherever, it led. He was not master of himself, as he once seemed, but the servant of those he loved; if he could do what he liked, perhaps he might renounce this whole New York enterprise, and go off somewhere out of the reach of care; but he could not do what he liked, that was very clear. In the pathos of this conviction he dwelt compassionately upon the thought of poor old Lindau; he resolved to make him accept a handsome sum of money—more than he could spare, something that he would feel the loss of—in payment of the lessons in German and fencing given so long ago. At the usual rate for such lessons, his debt, with interest for twenty-odd years, would run very far into the hundreds. Too far, he perceived, for his wife's joyous approval; he determined not to add the interest; or he believed that Lindau would refuse the interest; he put a fine speech in his mouth, making him do so; and after that he got Lindau employment on 'Every Other Week,' and took care of him till he died.

Intuitively, I am hard-pressed to believe that most people would endorse the notion that the future of humankind is worth no more than a single apartment. Chichilnisky, a major figure in the IPCC, has argued that this kind of thinking about discount rates is not only ridiculous but immoral; it exalts a “dictatorship of the present” over the future. Economists could retort that people say they value the future, but don’t act like it, even when the future is their own. And it is demonstrably true that many—perhaps most—men and women don’t set aside for retirement, buy enough insurance, prepare their wills, or a hundred other precautions, even if they have sufficient resources. If people won’t make long-term provisions for their own lives, why should we expect people to bother about climate change for strangers many decades from now?

Private equity surrounds you. When you visit a doctor or pay a student loan, buy life insurance or rent an apartment, pump gas or fill a prescription, you may—wittingly or not—be supporting a private equity firm. These firms, with obscure names like Blackstone, Carlyle, and KKR, are actually some of the largest employers in America and hold assets that rival those of small countries. Yet few people understand what these firms are or how they work. This is unfortunate because private equity firms, which buy and sell so many businesses you know, explain innumerable modern economic mysteries. They explain, in part, why your doctor’s bill is so expensive and why your veterinary clinic seems to be in decline. They explain why so many stores are understaffed or closing altogether. They explain why there are ever fewer companies in America and why those that remain are selling ever lower-quality products. In fact, despite their relative anonymity, private equity firms are poised to reshape America in this decade the way in which Big Tech did in the last decade and in which subprime lenders did in the decade before that. And as we will explore, they’re all doing it with the government’s help.

And if a giant new government agency—perhaps called “Housicare”—were given the power to tax all paychecks in order to pay for all home purchases and apartment rentals (according to an official schedule of prices corresponding to family size and job location), the disruption in the market would be mind-boggling. By severing the direct connection between buyer and seller, consumers’ satisfaction with their homes and apartments would suffer while prices would soar. After a few years of such a nutty system, the housing market would be just as screwed up as … well, as the health care and health insurance markets currently are.

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For the first time in the history of America, New Deal policies made homeownership a real possibility for white families, but black families were denied these benefits when the federal government deemed their neighborhoods too risky for insured mortgages and officials loyal to Jim Crow blocked black veterans from using GI mortgages.20 Over three centuries of systematic dispossession from the land created a semipermanent black rental class and an artificially high demand for inner-city apartments.21

The default posture of Generation X has always been to trash the boomers. The boomers were yuppie sellouts, sanctimonious blowhards, fair-weather hippies who joined the establishment as soon as they realized the upsides to having health insurance and retirement accounts (see: backstories of Big Chill characters and Hope and Michael et al.). They did tons of drugs and had tons of sex and then left us to trudge through the AIDS and crack epidemics they left in their wake. If you were a young writer in the 1990s, as I was, you could find a steady stream of magazine work composing irony-laden rants about how much the boomers had screwed over the Xers—economically, culturally, sexually-transmitted-diseasedly, et cetera. In the span of a few years, I wrote no fewer than fifteen articles that were essentially some variation on “broken homes ruined our belief in marriage, MTV ruined our attention spans, and AIDS ruined our sex lives. Our world and the baby boomers’ world are many galaxies apart.

First, A ship of the finest make and model available shall be furnished to carry the constructors home. 2nd, The said ship shall be laden with various cargo as here specified: diamonds—four bushels, gold coin—forty bushels, platinum, palladium, and whatever other ready valuables they happen to think of—eight bushels of each, also whatever mementos and tokens from the Royal Apartments the signatories of this instrument may deem appropriate. 3rd, Until such time as the said ship shall be in readiness for takeoff, every nut and bolt in place, fully loaded and delivered up to the constructors complete with red carpet, an eighty-piece send-off band and children's chorus, an abundance of honors, decorations and awards, and a wildly cheering crowd—until then, no King. 4th, That a formal expression of undying gratitude shall be stamped upon a gold medallion and addressed to Their Most Sublime and Radiant Constructors Trurl and Klapaucius, Delight and Terror of the Universe, and moreover it shall contain a full account of their victory and be duly signed and notarized by every high and low official in the land, then set in the richly embellished barrel of the King's favorite cannon, which Lord Protozor, Master of the Royal Hunt, shall himself and wholly unaided carry on board—no other Protozor but the one who lured Their Most Sublime and Radiant Constructors to this planet thinking to work their painful and ignominious death thereby. 5th, That the aforesaid Protozor shall accompany them on their return journey as insurance against any sort of double-dealing, pursuit, and the like. On board he shall occupy a cage three by three by four feet and shall receive a a daily allowance of humble pie with a filling made of that very same sawdust which Their Most Sublime and Radiant Constructors saw fit to order in the process of indulging the King's foolishness and which was subsequently taken to police headquarters by unmarked balloon. 6th and lastly, The King need not crave forgiveness of Their Most Sublime and Radiant Constructors on bended knee, since he is much too beneath them to deserve notice.

Be the solution, not the problem One way you’ll be invaluable is learn to be a problem solver. That’s what Joseph was. He was solution oriented. Don’t go to your boss and say, “Our department is falling apart. This manager is about to quit. Bob cursed out Jim, and Bill keeps leaving early. Nobody paid our taxes last month. What do you want me to do?” That’s not the way to get promoted. If you present a problem, always present a solution as well. If you can’t present a solution, hold it until you can figure out something. A child can come tell me the building is on fire. That’s easy. That doesn’t take any skill. But I want somebody to tell me not only is the building on fire, but also the fire department is on the way, all the people are safe, the insurance company has been notified, and temporary quarters have been arranged. If you want to be invaluable to your organization, present your bosses with solutions, not problems.

When I am asked why my real estate will not go down in a crash, I remind them that my real estate holdings are always near jobs, jobs that are not affected by stock market crashes. For example, most of our apartment complexes are in major oil industrial cities like Houston and Oklahoma City, or next to hospitals, colleges, and large insurance companies. The price of oil may go up and down, but cash flow from renters keeps flowing.

A growing child is presented with one of two paths, survival or development. If a child is abused, neglected, abandoned, ignored, or made to assume adult responsibilities, she must focus her attention and energy on survival. Whatever relief she gets from insuring survival, she gets to use on development. If all her energy goes toward surviving, development will get short shrift. A child whose basic physical needs are met ascends to another level of needs. A baby who gets enough sleep, food, and diaper changing also needs to be held and spoken to. He needs the stimulation of colors and sounds. A toddler who gets enough food and rest also needs to move around, to explore in safety, and to be held. A young child who gets nutritious meals and sufficient rest and exercise also needs to ask a lot of questions, to take things apart, and to explore his own body. A ten-year-old child who is safe and sufficiently fed and clothed also needs mental stimulation, an appropriate level of responsibility, social activities, skill training, interpretation of complicated events, help being safely alone, conversation, communication, and listening.