“
For example, students of policy have noted that the availability heuristic
helps explain why some issues are highly salient in the public’s mind while
others are neglected. People tend to assess the relative importance of
issues by the ease with which they are retrieved from memory—and this is
largely determined by the extent of coverage in the media
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Daniel Kahneman (Thinking, Fast and Slow)
“
The BLM-antifa narrative that police are murdering black and brown people in epidemic proportions needs to be thoroughly debunked. It is not supported by the evidence or data. This should be the job of the media, but it has been they who fan the flames of racial division through one-sided wall-to-wall coverage. The unending distraction from real issues that can otherwise be addressed through evidence-based policy making has us chasing shadows.
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Andy Ngo (Unmasked: Inside Antifa's Radical Plan to Destroy Democracy)
“
The news is supposed to be a mirror held up to the world, but the world is far too vast to fit in our mirror. The fundamental thing the media does all day, every day, is decide what to cover — decide, that is, what is newsworthy.
Here’s the dilemma: to decide what to cover is to become the shaper of the news rather than a mirror held up to the news. It makes journalists actors rather than observers. It annihilates our fundamental conception of ourselves. And yet it’s the most important decision we make. If we decide to give more coverage to Hillary Clinton’s emails than to her policy proposals — which is what we did — then we make her emails more important to the public’s understanding of her character and potential presidency than her policy proposals. In doing so, we shape not just the news but the election, and thus the country.
While I’m critical of the specific decision my industry made in that case, this problem is inescapable. The news media isn’t just an actor in politics. It’s arguably the most powerful actor in politics. It’s the primary intermediary between what politicians do and what the public knows. The way we try to get around this is by conceptually outsourcing the decisions about what we cover to the idea of newsworthiness. If we simply cover what’s newsworthy, then we’re not the ones making those decisions — it’s the neutral, external judgment of news worthiness that bears responsibility. The problem is that no one, anywhere, has a rigorous definition of newsworthiness, much less a definition that they actually follow.
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Ezra Klein (Why We're Polarized)
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students of policy have noted that the availability heuristic helps explain why some issues are highly salient in the public’s mind while others are neglected. People tend to assess the relative importance of issues by the ease with which they are retrieved from memory—and this is largely determined by the extent of coverage in the media.
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Daniel Kahneman (Thinking, Fast and Slow)
“
For example, students of policy have noted that the availability heuristic helps explain why some issues are highly salient in the public’s mind while others are neglected. People tend to assess the relative importance of issues by the ease with which they are retrieved from memory—and this is largely determined by the extent of coverage in the media.
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Daniel Kahneman (Thinking, Fast and Slow)
“
From its earliest days, NASA had followed a policy of maximum, though prudent, disclosure. We had to do everything openly—and soon under intensive, live TV coverage.
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Gene Kranz (Failure is not an Option: Mission Control From Mercury to Apollo 13 and Beyond)
“
Stories focused purely on what side was winning represented 42 percent of the coverage. Coverage of policy issues took up a paltry 10 percent, while stories focused on leadership and experience accounted for only 3 percent.
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Nathan Bomey (After the Fact: The Erosion of Truth and the Inevitable Rise of Donald Trump)
“
students of policy have noted that the availability heuristic helps explain why some issues are highly salient in the public’s mind while others are neglected. People tend to assess the relative importance of issues by the ease with which they are retrieved from memory—and this is largely determined by the extent of coverage in the media. Frequently mentioned topics populate the mind even as others slip away from awareness. In turn, what the media choose to report corresponds to their view of what is currently on the public’s mind. It is no accident that authoritarian regimes exert substantial pressure on independent media. Because public interest is most easily aroused by dramatic events and by celebrities, media feeding frenzies are common.
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Daniel Kahneman (Thinking, Fast and Slow)
“
Those who argued that the number of Cambodians killed was in the hundreds of thousands or those who tried to generate press coverage of the horrors did so assuming that establishing the facts would empower the United States and other Western governments to act. Normally, in a time of genocide, op-ed writers, policymakers, and reporters root for a distinct outcome or urge a specific U.S. military, economic, legal, humanitarian, or diplomatic response. Implicit indeed in many cables and news articles, and explicit in most editorials, is an underlying message, a sort of “if I were czar, I would do X or Y.” But in the first three years of KR rule, even the Americans most concerned about Cambodia—Twining, Quinn, and Becker among them—internalized the constraints of the day and the system. They knew that drawing attention to the slaughter in Cambodia would have reminded America of its past sins, reopened wounds that had not yet healed at home, and invited questions about what the United States planned to do to curb the terror. They were neither surprised nor agitated by U.S. apathy. They accepted U.S. noninvolvement as an established background condition. Once U.S. troops had withdrawn from Vietnam in 1973, Americans deemed all of Southeast Asia unspeakable, unwatchable, and from a policy perspective, unfixable. “There could have been two genocides in Cambodia and nobody would have cared,” remembers Morton Abramowitz, who at the time was an Asia specialist at the Pentagon and in 1978 became U.S. ambassador to Thailand. During the Khmer Rouge period, he remembers, “people just wanted to forget about the place. They wanted it off the radar.
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Samantha Power (A Problem from Hell: America and the Age of Genocide)
“
This view, while understandable, given the sensational media coverage of crack in the 1980s and 1990s, is simply wrong. While it is true that the publicity surrounding crack cocaine led to a dramatic increase in funding for the drug war (as well as to sentencing policies that greatly exacerbated racial disparities in incarceration rates), there is no truth to the notion that the War on Drugs was launched in response to crack cocaine. President Ronald Reagan officially announced the current drug war in 1982, before crack became an issue in the media or a crisis in poor black neighborhoods. A few years after the drug war was declared, crack began to spread rapidly in the poor black neighborhoods of Los Angeles and later emerged in cities across the country.2 The Reagan administration hired staff to publicize the emergence of crack cocaine in 1985 as part of a strategic effort to build public and legislative support for the war.
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Michelle Alexander (The New Jim Crow: Mass Incarceration in the Age of Colorblindness)
“
was my first indication that the policies of Mamaw’s “party of the working man”—the Democrats—weren’t all they were cracked up to be. Political scientists have spent millions of words trying to explain how Appalachia and the South went from staunchly Democratic to staunchly Republican in less than a generation. Some blame race relations and the Democratic Party’s embrace of the civil rights movement. Others cite religious faith and the hold that social conservatism has on evangelicals in that region. A big part of the explanation lies in the fact that many in the white working class saw precisely what I did, working at Dillman’s. As far back as the 1970s, the white working class began to turn to Richard Nixon because of a perception that, as one man put it, government was “payin’ people who are on welfare today doin’ nothin’! They’re laughin’ at our society! And we’re all hardworkin’ people and we’re gettin’ laughed at for workin’ every day!”20 At around that time, our neighbor—one of Mamaw and Papaw’s oldest friends—registered the house next to ours for Section 8. Section 8 is a government program that offers low-income residents a voucher to rent housing. Mamaw’s friend had little luck renting his property, but when he qualified his house for the Section 8 voucher, he virtually assured that would change. Mamaw saw it as a betrayal, ensuring that “bad” people would move into the neighborhood and drive down property values. Despite our efforts to draw bright lines between the working and nonworking poor, Mamaw and I recognized that we shared a lot in common with those whom we thought gave our people a bad name. Those Section 8 recipients looked a lot like us. The matriarch of the first family to move in next door was born in Kentucky but moved north at a young age as her parents sought a better life. She’d gotten involved with a couple of men, each of whom had left her with a child but no support. She was nice, and so were her kids. But the drugs and the late-night fighting revealed troubles that too many hillbilly transplants knew too well. Confronted with such a realization of her own family’s struggle, Mamaw grew frustrated and angry. From that anger sprang Bonnie Vance the social policy expert: “She’s a lazy whore, but she wouldn’t be if she was forced to get a job”; “I hate those fuckers for giving these people the money to move into our neighborhood.” She’d rant against the people we’d see in the grocery store: “I can’t understand why people who’ve worked all their lives scrape by while these deadbeats buy liquor and cell phone coverage with our tax money.
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J.D. Vance (Hillbilly Elegy: A Memoir of a Family and Culture in Crisis)
“
In March 2002, the National Academy of Sciences, a private, nonprofit society of scholars, released a high-profile report documenting the unequivocal existence of racial bias in medical care, which many thought would mark a real turning point. Unequal Treatment: Confronting Racial and Ethnic Disparities in Health Care was so brutal and damning that it would seem impossible to turn away. The report, authored by a committee of mostly white medical educators, nurses, behavioral scientists, economists, health lawyers, sociologists, and policy experts, took an exhaustive plunge into more than 480 previous studies. Because of the knee-jerk tendency to assume that health disparities were the end result of differences in class, not race, they were careful to compare subjects with similar income and insurance coverage. The report found rampant, widespread racial bias, including that people of color were less likely to be given appropriate heart medications or to undergo bypass surgery or receive kidney dialysis or transplants. Several studies revealed significant racial differences in who receives appropriate cancer diagnostic tests and treatments, and people of color were also less likely to receive the most sophisticated treatments for HIV/AIDS. These inequities, the report concluded, contribute to higher death rates overall for Black people and other people of color and lower survival rates compared with whites suffering from comparable illnesses of similar severity.
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Linda Villarosa (Under the Skin)
“
In 2014, the American media exploded with news of ISIS beheadings in Syria—six thousand miles away from the United States. Meanwhile, the beheading capital of the world is just to our south, a stone’s throw from American homes, businesses, and ranches. When the Islamic State of Iraq and Syria first began posting videotaped beheadings online, it was as if no one had ever heard of such barbarity. In fact, decapitation porn was an innovation of the Mexican drug cartels.45 One “ISIS” video circulating in 2014 showed a man being beheaded with a chain saw. Then it turned out the video wasn’t an ISIS beheading, at all: It was a Mexican video from 2010.46 After American David Hartley was shot and killed by Mexican drug cartel members while jet skiing with his wife at a lake on the Mexican border, the lead investigator on the case was murdered and his head delivered in a suitcase to a nearby military installation.47 In 2013, there was a huge outcry over Facebook’s video-sharing policy when an extremely graphic video of a man beheading a woman appeared on the site. That, too, was a product of Mexico.48 Where is the 24-7 coverage for these champion beheaders? If it seems like you never hear about all the dismemberments in Mexico, you’d be right. In a search of all transcripts in the Nexis archive in the first eight months of ISIS’s existence as a jihadist group, “beheading” was used in the same sentence as “ISIS” or “ISIL” 1,629 times. During that same time period, it was used in the same sentence as “Mexico” or “Mexican” twice. Indeed, in the previous five years Mexican beheadings were mentioned only sixty-six times.49 If a tree falls and beheads a woman in Mexico, does anyone hear it?
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Ann Coulter (¡Adios, America!: The Left's Plan to Turn Our Country into a Third World Hellhole)
“
I am convinced that we Christians do have an alternative. It is a radical political alternative, not in the narrow sense of the term politics (limited to political parties, elections, lobbying, policy making, and so on) but in the broad sense of polis, the city, the public space, the common good. This political concern of the ekklesia, the church of the poor, necessarily will lead to the struggle for justice. The current phase of global capitalism only adds urgency to the call for a radical alternative. At the same time, we must remember that politics is also related with the word polemos, conflict, battle, struggle. In the midst of conflicts, violence, and war, Christians must embody a much needed nonviolent alternative. When the ideologues of the empire are renovating a "theological coverage" of their interests, a theopolitical alternative must be fleshed out. In the face of global capitalism and imperial wars, we need a radical alternative of peace and justice, based on the poor and on revolutionary nonviolence. We need to be the church that embodies such an alternative.
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Daniel Izuzquiza (Rooted in Jesus Christ: Toward a Radical Ecclesiology)
“
A ministerial report published in May 2016 found ‘widespread practices of improper and unfair influence affecting the outcomes of the appointment of educators’, and that the ‘current process for selecting candidates for appointment in the education sector is riddled with inconsistencies’. It concluded that ‘where authority is weak, inefficient and dilatory, teacher unions [the South African Democratic Teachers’ Union, SADTU] move into the available spaces and determine policies, priorities and appointments, achieving undue influence over matters which primarily should be the responsibility of the Department [of Basic Education]’.155 The report followed widespread coverage of corruption and abuse of learners, including teachers paying union officials to appoint them to senior positions, and demands for sex in return for jobs. A January 2017 article in The Economist (‘South Africa has one of the world’s worst education systems’) found that: ‘A shocking 27% of pupils who have attended school for six years cannot read, compared with 4% in Tanzania and 19% in Zimbabwe. After five years of school about half cannot work out that 24 divided by three is eight. Only 37% of children starting school go on to pass the matriculation exam; just 4% earn a degree.’156
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Jakkie Cilliers (Fate of the Nation: 3 Scenarios for South Africa's Future)
“
am convinced that we Christians do have an alternative. It is a radical political alternative, not in the narrow sense of the term politics (limited to political parties, elections, lobbying, policy making, and so on) but in the broad sense of polis, the city, the public space, the common good. This political concern of the ekklesia, the church of the poor, necessarily will lead to the struggle for justice. The current phase of global capitalism only adds urgency to the call for a radical alternative. At the same time, we must remember that politics is also related with the word polemos, conflict, battle, struggle. In the midst of conflicts, violence, and war, Christians must embody a much needed nonviolent alternative. When the ideologues of the empire are renovating a "theological coverage" of their interests, a theopolitical alternative must be fleshed out. In the face of global capitalism and imperial wars, we need a radical alternative of peace and justice, based on the poor and on revolutionary nonviolence. We need to be the church that embodies such an alternative.
”
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Daniel Izuzquiza (Rooted in Jesus Christ: Toward a Radical Ecclesiology)
“
Sadly, though, millions of people watched. And in my view, the “Commander in Chief Forum” was representative of how many in the press covered the campaign as a whole. According again to Harvard’s Shorenstein Center, discussion of public policy accounted for just 10 percent of all campaign news coverage in the general election. Nearly all the rest was taken up by obsessive coverage of controversies such as email. Health care, taxes, trade, immigration, national security—all of it crammed into just 10 percent of the press coverage. The Shorenstein Center found that not a single one of my many detailed policy plans received more than a blip of press coverage. “If she had a policy agenda, it was not apparent in the news,” it concluded. “Her lengthy record of public service also received scant attention.” None of Trump’s scandals, from scamming students at Trump University, to stiffing small businesses in Atlantic City, to exploiting his foundation, to refusing to release his taxes as every presidential candidate since 1976 has done—and on and on—generated the kind of sustained, campaign-defining coverage that my emails did. The decline of serious reporting on policy has been going on for a while, but it got much worse in 2016. In 2008, the major networks’ nightly newscasts spent a total of 220 minutes on policy. In 2012, it was 114 minutes. In 2016, it was just 32 minutes. (That stat is from two weeks before the election, but it didn’t change much in the final stretch.) By contrast, 100 minutes were spent covering my emails. In other words, the political press was telling voters that my emails were three times more important than all the other issues combined.
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Hillary Rodham Clinton (What Happened)
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Aim for Full Replacement Cost While policies and terms vary, get the closest you can to 100% replacement value for your dwelling. This way your insurance will cover any full loss of the property. Often, state court rulings will outline how insurance contracts are interpreted in each state. Talk to your broker, attorney, or another expert in the area. If you are not able to get guaranteed replacement cost, look at extended dwelling coverage options.
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Michael Boyer (Every Landlord's Guide to Managing Property: Best Practices, From Move-In to Move-Out)
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Commercial property insurance protects your assets in the event that they are stolen, damaged, or destroyed in a fire or natural disaster. We’ll partner with you to design insurance coverage that will protect your company’s property. It’s worth exploring the options available to you with a business property insurance policy, as they may cover risks you hadn’t thought of. For example, some policies protect against the additional costs you face if rebuilding a damaged business facility means no longer being exempt from local building codes. Other points to check include whether a policy covers the cost of removing debris before reconstruction begins, as well as whether the business property is covered against weather event damage while being rebuilt.
Commercial property insurance is a great way to ensure that your business’ location and assets, as well as your income, are protected. Have questions? We’re happy to help!
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JMW Insurance Solution
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suffering in working-class America was not inevitable but rather reflects decades of social-policy mistakes and often gratuitous cruelty: the war on drugs that led to mass incarceration, indifference to the loss of blue-collar jobs, insufficient health-care coverage, embrace of a highly unequal education system, tax giveaways to tycoons, zillionaire-friendly court decisions, acceptance of growing inequality, and systematic underinvestment in children and community services such as drug treatment.
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Nicholas D. Kristof (Tightrope: Americans Reaching for Hope)
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Although no more than 10 percent of Americans are dismissive of climate change, it’s these rare deniers who get the most press. In an analysis of some hundred thousand media articles on climate change between 2000 and 2016, prominent climate contrarians received disproportionate coverage: they were featured 49 percent more often than expert scientists. As a result, people end up overestimating how common denial is—which in turn makes them more hesitant to advocate for policies that protect the environment. When the middle of the spectrum is invisible, the majority’s will to act vanishes with it. If other people aren’t going to do anything about it, why should I bother? When they become aware of just how many people are concerned about climate change, they’re more prepared to do something about it.
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Adam M. Grant (Think Again: The Power of Knowing What You Don't Know)
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I believe the populist insurgents, contrary to the impression given by prevailing media coverage, are largely correct about what has gone wrong, but, dangerously, know far less about how to make it right. I believe we should listen respectfully, to acknowledge that the populists have a valid point, that they are not just simpletons nor backwards, racist xenophobes. I believe it is time to reflect on what policies would restore some necessary balance, a renewed role for core government and a renegotiated, reinvigorated, social contract.
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Jean-Michel Paul (The Economics of Discontent: From Failing Elites to The Rise of Populism)
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When analyzing the cost of U.S. health care, it’s important to remember that spending is not spread evenly among all patients. According to the Agency for Healthcare Research and Quality, in 2009, 21.8% of health care spending came from just 1% of patients. That’s roughly three million people in the U.S. who each spent about $90,000 in a year on health-related expenses. Further, the AHRQ states, “[T]he top decile of spenders were more likely to be in fair or poor health, elderly, female, non-Hispanic whites and those with public-only coverage. Those who remained in the bottom half of spenders were more likely to be in excellent health, children and young adults, men, Hispanics, and the uninsured.”44 The fact that so many resources go to so few patients led to the term “super-utilizers.” Increasingly, policy efforts focus on how to reduce costs among this group.
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Elisabeth Askin (The Health Care Handbook: A Clear and Concise Guide to the American Health Care System)
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Certainly there is no limit to taxation if the benefits derived from public services by society measure up to the cost in taxation.”2 As cited in the quotation at the beginning of this chapter, Obama Sr. is even willing to consider tax rates up to 100 percent! It’s remarkable that this paper by Obama Sr. has gotten so little media coverage. One would expect it to be on the front page of every newspaper and a lead item on the evening news, especially during public debates in America over taxes and massive government intervention in the health care and financial sectors. Notice the two-part economic strategy proposed by Obama Sr.: forced state control over private enterprise, and confiscatory tax rates with no upper limit. We will find it instructive to compare this to President Obama’s economic policies. For example, President Obama frequently talks about people being forced to pay their “fair share” in taxes, but he never specifies what that share is. Here, we have a document that explicitly states his father’s thoughts on the subject and may provide some guidance to the son’s own thinking. Yet for many in the media, these father-son comparisons are completely taboo. For them, it seems, the ghost of Barack Obama Sr. must be quietly ignored, so it cannot be seen haunting the corridors of 1600 Pennsylvania Avenue.
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Dinesh D'Souza (Obama's America: Unmaking the American Dream)
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Beyond One-Way ANOVA The approach described in the preceding section is called one-way ANOVA. This scenario is easily generalized to accommodate more than one independent variable. These independent variables are either discrete (called factors) or continuous (called covariates). These approaches are called n-way ANOVA or ANCOVA (the “C” indicates the presence of covariates). Two way ANOVA, for example, allows for testing of the effect of two different independent variables on the dependent variable, as well as the interaction of these two independent variables. An interaction effect between two variables describes the way that variables “work together” to have an effect on the dependent variable. This is perhaps best illustrated by an example. Suppose that an analyst wants to know whether the number of health care information workshops attended, as well as a person’s education, are associated with healthy lifestyle behaviors. Although we can surely theorize how attending health care information workshops and a person’s education can each affect an individual’s healthy lifestyle behaviors, it is also easy to see that the level of education can affect a person’s propensity for attending health care information workshops, as well. Hence, an interaction effect could also exist between these two independent variables (factors). The effects of each independent variable on the dependent variable are called main effects (as distinct from interaction effects). To continue the earlier example, suppose that in addition to population, an analyst also wants to consider a measure of the watershed’s preexisting condition, such as the number of plant and animal species at risk in the watershed. Two-way ANOVA produces the results shown in Table 13.4, using the transformed variable mentioned earlier. The first row, labeled “model,” refers to the combined effects of all main and interaction effects in the model on the dependent variable. This is the global F-test. The “model” row shows that the two main effects and the single interaction effect, when considered together, are significantly associated with changes in the dependent variable (p < .000). However, the results also show a reduced significance level of “population” (now, p = .064), which seems related to the interaction effect (p = .076). Although neither effect is significant at conventional levels, the results do suggest that an interaction effect is present between population and watershed condition (of which the number of at-risk species is an indicator) on watershed wetland loss. Post-hoc tests are only provided separately for each of the independent variables (factors), and the results show the same homogeneous grouping for both of the independent variables. Table 13.4 Two-Way ANOVA Results As we noted earlier, ANOVA is a family of statistical techniques that allow for a broad range of rather complex experimental designs. Complete coverage of these techniques is well beyond the scope of this book, but in general, many of these techniques aim to discern the effect of variables in the presence of other (control) variables. ANOVA is but one approach for addressing control variables. A far more common approach in public policy, economics, political science, and public administration (as well as in many others fields) is multiple regression (see Chapter 15). Many analysts feel that ANOVA and regression are largely equivalent. Historically, the preference for ANOVA stems from its uses in medical and agricultural research, with applications in education and psychology. Finally, the ANOVA approach can be generalized to allow for testing on two or more dependent variables. This approach is called multiple analysis of variance, or MANOVA. Regression-based analysis can also be used for dealing with multiple dependent variables, as mentioned in Chapter 17.
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Evan M. Berman (Essential Statistics for Public Managers and Policy Analysts)
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The Council on Foreign Relations is like an establishment country club—a
veritable Who’s Who of American policy-making. The mainstream press has
historically given scant coverage to exactly what it is that the CFR does. The
“Foreign Relations” part of the name would seem to indicate a group devoted
to the study of foreign policy objectives. Indeed, on the rare occasions that the
CFR is mentioned in the mainstream media, it is inevitably referred to as “an
influential foreign policy think tank”—makes it even more curious that so
many celebrated figures decidedly lacking in “foreign policy” experience are
or have been members.
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Donald Jeffries (Hidden History: An Exposé of Modern Crimes, Conspiracies, and Cover-Ups in American Politics)
“
Every insurance company is different, and you should look around to see what companies offer and which are best for your trip. For that, I highly recommend the website Insure My Trip (insuremytrip.com). They compare insurance policies for more than twenty insurance providers, and because they let you compare plans in a grid layout, it’s easy to see exactly what each company covers. You’ll be able to compare medical coverage limits, emergency evacuation coverage, trip cancellation coverage, dental coverage, disaster coverage, and everything else under the sun. Some of the most popular travel insurance companies include STA Travel Insurance (statravel.com), World Nomads (worldnomads .com), MedEx (medexassist.com), MedjetAssist (medjetassist.com), and IMG (imglobal.com).
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Matt Kepnes (How to Travel the World on $50 a Day: Travel Cheaper, Longer, Smarter)
“
As your personal insurance agency, Car Insurance Houston, TX works closely with you to help you find the absolute best coverage. Unlike other insurance firms, our agents take the time to learn about you and your needs. We search through a network of leading providers in order to find policies that fit your budget. At Car Insurance Houston, TX we offer motor vehicle insurance for individual and commercial drivers in Houston We also provide home insurance coverage, with quotes that are some of the lowest in the industry.
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Cheap Car Insurance Houston : Auto Insurance Agency
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Cheap Car Insurance Seattle : Auto Insurance Agency
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idlcenter
“
A small business owner from Port Clinton, OH, wrote, on September 19, 2013: I strongly urge you to stand up for the middle class and small business and vote to DEFUND ObamaCare. As a small business owner, we have always offered health insurance. After meeting with our health insurance representative, we learned that the lowest coverage level of ObamaCare offered is estimated to be about $400 a person, twice what we pay now for excellent coverage. . . . With big business and government being exempted from this policy, again the SMALL BUSINESS OWNER and individual are left with all the costs for everyone else. This could well end up closing our business and then there will be 15 more individuals collecting from the government. A
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Ted Cruz (TED CRUZ: FOR GOD AND COUNTRY: Ted Cruz on ISIS, ISIL, Terrorism, Immigration, Obamacare, Hillary Clinton, Donald Trump, Republicans,)
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and Medicaid, which would help expand coverage and bring down costs. The other thing we should be honest about is how hard it’s going to be, no matter what we do, to create significant economic opportunity in every remote area of our vast nation. In some places, the old jobs aren’t coming back, and the infrastructure and workforce needed to support big new industries aren’t there. As hard as it is, people may have to leave their hometowns and look for work elsewhere in America. We know this can have a transformative effect. In the 1990s, the Clinton administration experimented with a program called Moving to Opportunity for Fair Housing, which gave poor families in public housing vouchers to move to safer, middle-income neighborhoods where their children were surrounded every day by evidence that life can be better. Twenty years later, the children of those families have grown up to earn higher incomes and attend college at higher rates than their peers who stayed behind. And the younger the kids were when they moved, the bigger boost they received. Previous generations of Americans actually moved around the country much more than we do today. Millions of black families migrated from the rural South to the urban North. Large numbers of poor whites left Appalachia to take jobs in Midwestern factories. My own father hopped a freight train from Scranton, Pennsylvania, to Chicago in 1935, looking for work. Yet today, despite all our advances, fewer Americans are moving than ever before. One of the laid-off steelworkers I met in Kentucky told me he found a good job in Columbus, Ohio, but he was doing the 120-mile commute every week because he didn’t want to move. “People from Kentucky, they want to be in Kentucky,” another said to me. “That’s something that’s just in our DNA.” I understand that feeling. People’s identities and their support systems—extended family, friends, church congregations, and so on—are rooted in where they come from. This is painful, gut-wrenching stuff. And no politician wants to be the one to say it. I believe that after we do everything we can to help create new jobs in distressed small towns and rural areas, we also have to give people the skills and tools they need to seek opportunities beyond their hometowns—and provide a strong safety net both for those who leave and those who stay. Whether it’s updating policies to meet the changing conditions of America’s workers, or encouraging greater mobility, the bottom line is the same: we can’t spend all our time staving off decline. We need to create new opportunities, not just slow down the loss of old ones. Rather than keep trying to re-create the economy of the past, we should focus on making the jobs people actually have better and figure out how to create the good jobs of the future in fields such as clean energy, health care, construction, computer coding, and advanced manufacturing. Republicans will always be better at defending yesterday. Democrats have to be in the future business. The good news is we have
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Hillary Rodham Clinton (What Happened)
“
The ACA has a three-part structure. First, it bans insurers from denying coverage based on preexisting conditions. Standing alone, that provision would cause many consumers to postpone seeking insurance until they get sick, a tendency that would cause carriers to hike prices, deterring more people from buying policies. To prevent this fatal dysfunction and assure that healthy people jump into the insurance pool, the individual mandate upheld in 2012 requires that everyone obtain coverage. The third component— the one now under fire—is the provision of tax subsidies to allow less-well-off consumers to participate.
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Anonymous
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Republicans accept as a well-documented fact of life that an overwhelming majority of the media is slanted against them.4 They take critical media coverage for granted. The Obama administration does not. So much so that harsh criticism by a news outlet is viewed as intolerable dissent. Moreover, this broadside from the president of the United States was not buttressed by facts. Pew Research Center found that from September 8 through October 16 of the 2008 campaign—the heat of the election cycle—40 percent of Fox News stories on then-Senator Obama were negative as were 40 percent of the network’s stories on Senator John McCain, Obama’s Republican opponent. You can’t get more fair and balanced than that. If you wanted to see bias against a candidate, CNN and MSNBC were better examples. Pew found that 61 percent of CNN’s stories on John McCain were negative, compared to only 39 percent of their Obama stories. The disparity was even greater at MSNBC where a mere 14 percent of Obama stories were negative, compared to a whopping 73 percent of McCain stories (and only 10 percent of MSNBC’s coverage of McCain was rated as positive). Overall, according to an October 2007 study of media coverage of the 2008 presidential campaign by the Project for Excellence in Journalism (funded by Pew) in collaboration with Harvard’s Joan Shorenstein Center for Press, Politics and Public Policy, the press gave much more favorable coverage to Democratic candidates, noting, for example, that 46.7 percent of stories about Barack Obama had a positive tone, while only 12.4 percent of stories about John McCain did.5 Obama should have been counting his blessings, not complaining about the one news television outlet that wouldn’t fall in line. He had received, by some measures, the most laudatory press coverage of any senatorial or presidential candidate in recent history.6
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Kirsten Powers (The Silencing: How the Left is Killing Free Speech)
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Specialized policies to protect against online attacks are offered by about 50 carriers, including big names like the American International Group, Chubb and Ace. As data breaches have become a reality of the business world, more companies are buying policies; demand increased 21 percent last year from 2012, according to Marsh, a risk management company and insurance broker. Yet companies say it is difficult to get as much coverage as they need, leaving them vulnerable to uncertain losses.
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Anonymous
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A 2014 study, Race and Punishment: Racial Perceptions of Crime and Support for Punitive Policies not only confirms the reality of cumulative racial bias in criminal justice systems suffered acutely by African Americans and by other people of color, it also links this bias to entrenched stereotypes in dominant white culture generally, finding that: White Americans are more punitive than people of color. Whites routinely overestimate how much crime is actually committed by African-Americans and Latinos, and woefully underestimate the comparably much higher level of drug use and distribution perpetrated by members of their own white group. White dominant media’s crime coverage fuels racial perceptions of crime. Policy-makers’ actions and statements amplify the public’s racial associations of crime. Criminal justice practitioners also operate with and reinforce racial perceptions of crime.
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Mark Lewis Taylor (The Executed God: The Way of the Cross in Lockdown America, 2nd Edition)
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Obamacare’s first years have been fraught with failure, but its future looks even more bleak. Big premium increases are coming this year and next for people who purchased health insurance on the Obamacare exchanges. Millions of others with coverage outside the exchanges lost their previous policies and now are facing double-digit premium hikes. Many Americans say the new policies they are forced to buy don’t meet their needs—with excessive benefit requirements and impossibly high deductibles. Congress is continuing to try to evade the law and exempt itself from key provisions, and your privacy is still at risk. We at Judicial Watch will continue to hold the government to account over this unfair and unworkable health care law and pressure the new president and Congress elected in 2016 to come clean and level with the American people on its deficiencies.
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Tom Fitton (Clean House: Exposing Our Government's Secrets and Lies)
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According again to Harvard’s Shorenstein Center, discussion of public policy accounted for just 10 percent of all campaign news coverage in the general election. Nearly all the rest was taken up by obsessive coverage of controversies such as email. Health care, taxes, trade, immigration, national security—all of it crammed into just 10 percent of the press coverage. The Shorenstein Center found that not a single one of my many detailed policy plans received more than a blip of press coverage. “If she had a policy agenda, it was not apparent in the news,” it concluded. “Her lengthy record of public service also received scant attention.” None of Trump’s scandals, from scamming students at Trump University, to stiffing small businesses in Atlantic City, to exploiting his foundation, to refusing to release his taxes as every presidential candidate since 1976 has done—and on and on—generated the kind of sustained, campaign-defining coverage that my emails did.
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Hillary Rodham Clinton (What Happened)
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Among all Original Medicare beneficiaries, fewer than 25 percent get Medigap policies.
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Philip Moeller (Get What's Yours for Medicare: Maximize Your Coverage, Minimize Your Costs (The Get What's Yours Series))
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MA insurers get roughly $10,000 from Uncle Sam for each and every beneficiary who buys a policy.
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Philip Moeller (Get What's Yours for Medicare: Maximize Your Coverage, Minimize Your Costs (The Get What's Yours Series))
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Stay Informed with the Latest Finance News by 4cmediaco.com
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4cmediaco
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Named for the place of their first gathering, the Hotel de Bilderberg near Arnheim, the annual Bilderberg meetings gathered top elites of Europe and America for secret deliberations and policy discussion. Consensus was then ‘shaped’ in subsequent press comments and media coverage, but never with reference to the secret Bilderberg talks themselves. This Bilderberg process has been one of the most effective vehicles of postwar Anglo-American policy-shaping. What the powerful men grouped around Bilderberg had evidently decided that May, was to launch a colossal assault against industrial growth in the world, in order to tilt the balance of power back to the advantage of Anglo-American financial interests, and the dollar. In order to do this, they determined to use their most prized weapon–control of the world’s oil flows. Bilderberg policy was to trigger a global oil embargo, in order to force a dramatic increase in world oil prices. Since 1945, world oil trade had by international custom been priced in dollars as American oil companies dominated the postwar market. A sharp sudden increase in the world price of oil, therefore, meant an equally dramatic increase in world demand for U.S. dollars to pay for that necessary oil.
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F. William Engdahl (A Century of War: Anglo-American Oil Politics and the New World Order)
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Netherlands, which has a restrictive immigration policy compared to the United States. Most European nations, including the Netherlands, after all, have universal health insurance coverage, which makes drug treatment and psychiatric treatment more available, and the Dutch government subsidizes more housing. Finally, the Netherlands’ big success was with heroin, which has effective pharmacological substitutes, methadone and Suboxone, not with meth, which lacks anything similar. But there may be fewer obstacles than appear. The Netherlands has a private health-care insurance system similar to that of the United States and covered the people who needed health care in ways similar to Medicaid and the Affordable Care Act, which significantly expanded access to drug treatment, including medically assisted treatment, in the United States.4 San Francisco subsidizes a significant quantity of housing, as we have seen. While California is larger than the Netherlands, the population of Amsterdam (872,000) is nearly identical to San Francisco’s (882,000).5 And while California’s population and geographic area are larger and more difficult to manage than those of the Netherlands, California also has significantly greater wealth and resources, constituting in 2019 the fifth-largest economy in the world.6 And the approach to breaking up open drug scenes, treating addiction, and providing psychiatric care is fundamentally the same whether in five European cities, Philadelphia, New York, or Phoenix.
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Michael Shellenberger (San Fransicko: Why Progressives Ruin Cities)
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Negative media coverage and limited academic programs can erode trust and confidence in a school, deterring prospective students and families from considering enrolment.
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Asuni LadyZeal
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VIU by HUB is an insurance brokerage that offers personal insurance policies for B2C customers. They reimagine the way you find and manage your personal insurance policies. They believe that finding the right insurance coverage should be easy, quick, and even delightful.
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VIU by HUB
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We convinced EarthLink to pay us $125,000 to become “the official Internet Service Provider of the Parks Department.” We used that money to pay to build a new website to help New Yorkers take advantage of everything offered at their parks. We owed EarthLink attention and media coverage in return. So we built a forty-foot-by-forty-foot giant spiderweb of rope in Times Square. We dressed Henry in a sequined silver suit and top hat, put him on a riser obscured by dry ice, and blasted the theme song to 2001: A Space Odyssey out of the giant speaker they use for New Year’s Eve as he ascended the web to launch the new Parks Department website, paid for by EarthLink. The same approach worked for policy initiatives. We staged elaborate funerals for trees murdered by people (cut down illegally by construction crews or poisoned by people who thought their views were obstructed by trees). One time, Henry chained himself to a tree in Union Square Park to try to prevent its demise. This all helped fuel legislation through the city council making arborcide a crime.
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Bradley Tusk (The Fixer: My Adventures Saving Startups from Death by Politics)
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Other countries over the decades expanded health-care coverage, adopted family-leave policies, extended mass transit and implemented child allowances to reduce poverty, while the United States bucked the trend by slashing taxes, cutting back hours at public libraries, raising tuition at state universities and allowing infrastructure to decay.
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Nicholas D. Kristof (Tightrope: Americans Reaching for Hope)
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research by the political scientist Martin Gilens demonstrates the policy payoff to the rich and well-connected. The title of his 2013 book says it all: Affluence and Influence. Gilens documents that the policy preferences of the rich are at odds with those of most people. In the populace, there is broad support for preschool, paid parental leave, universal medical coverage, and affordable higher education. These public benefits never arrive, while the rules sought and created by the rich tend to dictate actual policy. Gilens found that the policy preferences of the rich are fifteen times more likely to become public policy as those of non-elites. The rules, you might say, are rigged.
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Robert Kuttner (Can Democracy Survive Global Capitalism?)
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3. Look for the providers of a light sunscreen.
Sunscreen is certainly a great fundamental item found in your beauty approach even though you have personal hair follicles and follicles and pores and skin. Hence when you yourself possess very sensitive skin and pores and skin, it could conclude getting bothersome since the item can irritate your skin and pores and skin. But when you move with the correct one for your skin and pores and skin level, it’s under no situations going forward to conclude getting regularly a concern. Select a lighter sunscreen but support to make certain they possess a good amount of SPF insurance insurance policy coverage.
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myswisscosmetics.com
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BuzzFeed ingratiated itself with the younger generations. Smith said in an official announcement that BuzzFeed’s coverage would ditch the outmoded pretensions of equivalency and objectivity. This was house policy, he announced. “There are not two sides.
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Jill Abramson (Merchants of Truth: The Business of News and the Fight for Facts)
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Wikipedia: The IQ Controversy, the Media and Public Policy
The role of genetics in the black-white IQ gap has been particularly controversial. The question regarding this in the survey asked "Which of the following best characterizes your opinion of the heritability of black-white differences in IQ?" Amongst the 661 returned questionnaires, 14% declined to answer the question, 24% said that there was insufficient evidence to give an answer, 1% said that the gap was "due entirely to genetic variation", 15% voted that it was "due entirely to environmental variation" and 45% said that it was a "product of genetic and environmental variation". According to Snyderman and Rothman, this contrasts greatly with the coverage of these views as represented in the media, where the reader is led to draw the conclusion that "only a few maverick 'experts' support the view that genetic variation plays a significant role in individual or group difference, while the vast majority of experts believe that such differences are purely the result of environmental factors.
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Mark Snyderman (The IQ Controversy, the Media and Public Policy)
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For example, after a half-century of Johnson’s “Great Society” welfare programs, which have cost trillions of dollars, the national poverty rate remains roughly the same as it was in the 1960s.55 And despite countless promises by President Obama that his policies would make health coverage and college more affordable,56 health insurance costs and college expenses57 are significantly higher than they were when Obama implemented his reforms.
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Glenn Beck (Arguing with Socialists)
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repressive bigotry was a hallmark of the various Reformations, and the relative silence on these matters by generations of historians is shameful. Of course, there has been full coverage of the many religious wars stemming from the Reformations, and of the savagery these involved – but these were wars, not matters of domestic policy.
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Rodney Stark (Reformation Myths: Five Centuries Of Misconceptions And (Some) Misfortunes)
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the case of Nelene Fox. Fox was from Temecula, California, and was diagnosed with metastatic breast cancer in 1991, when she was thirty-eight years old. Surgery and conventional chemotherapy failed, and the cancer spread to her bone marrow. The disease was terminal. Doctors at the University of Southern California offered her a radical but seemingly promising new treatment—high-dose chemotherapy with bone marrow transplantation. To Fox, it was her one chance of cure. Her insurer, Health Net, denied her request for coverage of the costs, arguing that it was an experimental treatment whose benefits were unproven and that it was therefore excluded under the terms of her policy. The insurer pressed her to get a second opinion from an Independent medical center. Fox refused—who were they to tell her to get another opinion? Her life was at stake. Raising $212,000 through charitable donations, she paid the costs of therapy herself, but it was delayed. She died eight months after the treatment. Her husband sued Health Net for bad faith, breach of contract, intentional infliction of emotional damage, and punitive damages and won. The jury awarded her estate $89 million. The HMO executives were branded killers. Ten states enacted laws requiring insurers to pay for bone marrow transplantation for breast cancer. Never mind that Health Net was right. Research ultimately showed the treatment to have no benefit for breast cancer patients and to actually worsen their lives. But the jury verdict shook the American insurance industry. Raising questions about doctors’ and patients’ treatment decisions in terminal illness was judged political suicide.
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Atul Gawande (Being Mortal: Medicine and What Matters in the End)
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More broadly, we remain locked into an outdated picture of the working class in American that distorts our policy priorities. A lot of the press coverage and political analysis since the election has taken as a given that the 'real America' is full of middle-aged white men who wear hard hats and work on assembly lines - or did until Obama ruined everything.
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Hillary Rodham Clinton (What Happened)
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Kenny replied. “I don’t want conservative coverage. There’s been enough of that already. They’re just repeating talking points, not investigating. I’m hoping that if I can get the families on board and they’re the ones asking for answers, mainstream reporters will actually have to investigate.
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Andrew Pollack (Why Meadow Died: The People and Policies That Created The Parkland Shooter and Endanger America's Students)
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From the very start of the healthcare debate, policy wonks on the left had pushed us to modify the Massachusetts model by giving consumers the choice to buy coverage on the online “exchange,” not just from the likes of Aetna and Blue Cross Blue Shield but also from a newly formed insurer owned and operated by the government. Unsurprisingly, insurance companies had balked at the idea of a public option, arguing that they would not be able to compete against a government insurance plan that could operate without the pressures of making a profit. Of course, for public-option proponents, that was exactly the point: By highlighting the cost-effectiveness of government insurance and exposing the bloated waste and immorality of the private insurance market, they hoped the public option would pave the way for a single-payer system.
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Barack Obama (A Promised Land)
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Multiple studies show that increased contraceptive access, including better insurance coverage policies, over-the-counter availability, and comprehensive sex education, dramatically reduces rates of both unintended pregnancy and abortion. If antiabortion activists were truly interested in lowering abortion rates, they would champion such measures. Instead, they support measures that interfere with access.
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Katherine Stewart (The Power Worshippers: Inside the Dangerous Rise of Religious Nationalism)
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thinkinsurance
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Welcome to RiskBirbal - your trusted insurance partner.
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Riskbirbal
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Building Insurance Your Guide Review by Reedsy Discovery Reviewer Mardene Carr
Must read
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Michael A.N.P. Cretikos
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[Following is an official OnlineBookClub.org review of "Building Insurance Your Guide" by michael a.n.p. cretikos.]
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5 out of 5 stars
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Building Insurance: How to Select the Correct Building Sum Insured Value for Low-Rise and High-Rise Structures authored by Michael A. N. P. Cretikos is a comprehensive guide on how to select the best policy and factors to consider to avoid being in a situation of underinsurance. According to the author, he filled in the gap that exists in knowledge by introducing the Building Sum Insured Value (BSI) based on current rental value, and according to him, this method is the most accurate that there is.
The author highlighted situations in which underinsurance is inevitable and underlined ways to avoid such situations. Taxes such as stamp duties on insurance could be disincentives, and the author discouraged it. He advised the readers to always opt for 100% coverage so that the loss can be fully catered for and the insured reinstated back to their previous position. Several acts and policies were stated, and the authors made suggestions for innovations; the ICA code wasn’t left out; he highlighted the fault in it and gave feasible solutions.
This book was very informative, and I enjoyed reading it. The author's in-depth research shines through and adds a layer of authenticity to the book. I loved the fact that as much as the author criticized the already existing policies, he made suggestions for improvement. I equally appreciated the fact that there were so many quotations backed up with references so the readers can verify at their will. The step-by-step calculations and clearly outlined tables also enhanced my understanding of how numerical values are arrived at, and I absolutely loved it.
As much as I enjoyed reading this book, I found some parts overly repetitive, and I also found the consistent use of bold texts quite distracting. I loved the keypoints outlined in every section; it made the important information very easy to grasp. Overall, this book was an enlightening read and would keep readers eager to learn more.
I rate this book five out of five stars because of its informative contents and the fact that my dislikes weren’t enough to remove a star. I didn't find any errors while reading, which implies that the book was perfectly edited. I’d recommend this book to people who are interested in the workings of building insurance.
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Michael A.N.P. Cretikos