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Someone gave it to me as a gift.” Yikes. Getting a book called How to Survive a Horror Movie as a gift? That’s like your spouse signing you up for life insurance “which you’ll probably never even need.

In the three years after Obamacare was signed into law in 2010, the costs did not go down $2,500 per family as promised. They went up $2,581 a family. Yes, inflation would have pushed the costs of insurance coverage up regardless of Obamacare, but not that much, nor that quickly.

Months later, when I rarely saw the Angels, I still had the legacy of the big machine -- four hundred pounds of chrome and deep red noise to take out on the Coast Highway and cut loose at three in the morning, when all the cops were lurking over on 101. My first crash had wrecked the bike completely and it took several months to have it rebuilt. After that I decided to ride it differently: I would stop pushing my luck on curves, always wear a helmet and try to keep within range of the nearest speed limit ... my insurance had already been canceled and my driver's license was hanging by a thread. So it was always at night, like a werewolf, that I would take the thing out for an honest run down the coast. I would start in Golden Gate Park, thinking only to run a few long curves to clear my head ... but in a matter of minutes I'd be out at the beach with the sound of the engine in my ears, the surf booming up on the sea wall and a fine empty road stretching all the way down to Santa Cruz ... not even a gas station in the whole seventy miles; the only public light along the way is an all-night diner down around Rockaway Beach. There was no helmet on those nights, no speed limit, and no cooling it down on the curves. The momentary freedom of the park was like the one unlucky drink that shoves a wavering alcoholic off the wagon. I would come out of the park near the soccer field and pause for a moment at the stop sign, wondering if I knew anyone parked out there on the midnight humping strip.

Did you ever think much about jobs? I mean, some of the jobs people land in? You see a guy giving haircuts to dogs, or maybe going along the curb with a shovel, scooping up horse manure. And you think, now why is the silly bastard doing that? He looks fairly bright, about as bright as anyone else. Why the hell does he do that for living? You kind grin and look down your nose at him. You think he’s nuts, know what I mean, or he doesn’t have any ambition. And then you take a good look at yourself, and you stop wondering about the other guy… You’ve got all your hands and feet. Your health is okay, and you make a nice appearance, and ambition-man! You’ve got it. You’re young, I guess: you’d call thirty young, and you’re strong. You don’t have much education, but you’ve got more than plenty of other people who go to the top. And yet with all that, with all you’ve had to do with this is as far you’ve got And something tellys you, you’re not going much farther if any. And there is nothing to be done about it now, of course, but you can’t stop hoping. You can’t stop wondering… …Maybe you had too much ambition. Maybe that was the trouble. You couldn’t see yourself spending forty years moving from office boy to president. So you signed on with a circulation crew; you worked the magazines from one coast to another. And then you ran across a little brush deal-it sounded nice, anyway. And you worked that until you found something better, something that looked better. And you moved from that something to another something. Coffee-and-tea premiums, dinnerware, penny-a-day insurance, photo coupons, cemetery lots, hosiery, extract, and God knows what all. You begged for the charities, You bought the old gold. You went back to the magazines and the brushes and the coffee and tea. You made good money, a couple of hundred a week sometimes. But when you averaged it up, the good weeks with the bad, it wasn’t so good. Fifty or sixty a week, maybe seventy. More than you could make, probably, behind agas pump or a soda fountain. But you had to knock yourself out to do it, and you were standing stil. You were still there at the starting place. And you weren’t a kid any more. So you come to this town, and you see this ad. Man for outside sales and collections. Good deal for hard worker. And you think maybe this is it. This sounds like a right town. So you take the job, and you settle down in the town. And, of course, neither one of ‘em is right, they’re just like all the others. The job stinks. The town stinks. You stink. And there’s not a goddamned thing you can do about it. All you can do is go on like this other guys go on. The guy giving haircuts to dogs, and the guy sweeping up horse manute Hating it. Hating yourself. And hoping.

However, DROs as a whole really need to keep track of people who have opted out of the entire DRO system, since those people have clearly signaled their intention to go rogue and live “off the grid.” Thus if you cancel your DRO insurance, your name goes into a database available to all DROs. If you sign up with another DRO, no problem, your name is taken out. However, if you do not sign up with any other DRO, red flags pop up all over the system. What happens then? Remember – there is no public property in a stateless society. If you’ve gone rogue, where are you going to go? You can’t take a bus – bus companies will not take rogues, because their DRO will require that they take only DRO-covered passengers, in case of injury or altercation. Want to fill up on gas? No luck, for the same reason. You can try hitchhiking, of course, which might work, but what happens when you get to your destination and try to rent a motel room? No DRO card, no luck. Want to sleep in the park? Parks are privately owned, so keep moving. Getting hungry? No groceries, no restaurants – no food! What are you going to do?

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.

Consider almost any public issue. Today’s Democratic Party and its legislators, with a few notable individual exceptions, is well to the right of counterparts from the New Deal and Great Society eras. In the time of Lyndon Johnson, the average Democrat in Congress was for single-payer national health insurance. In 1971, Congress overwhelmingly passed the Comprehensive Child Development Act, for universal, public, tax-supported, high-quality day care and prekindergarten. Nixon vetoed the bill in 1972, but even Nixon was for a guaranteed annual income, and his version of health reform, “play or pay,” in which employers would have to provide good health insurance or pay a tax to purchase it, was well to the left of either Bill or Hillary Clinton’s version, or Barack Obama’s. The Medicare and Medicaid laws of 1965 were not byzantine mash-ups of public and private like Obamacare. They were public. Infrastructure investments were also public. There was no bipartisan drive for either privatization or deregulation. The late 1960s and early 1970s (with Nixon in the White House!) were the heyday of landmark health, safety, environmental, and financial regulation. To name just three out of several dozen, Nixon signed the 1970 Clean Air Act, the 1970 Occupational Safety and Health Act, and the 1973 Consumer Product Safety Act. Why did Democrats move toward the center and Republicans to the far right? Several things occurred. Money became more important in politics. The Democratic Leadership Council, formed by business-friendly and Southern Democrats after Walter Mondale’s epic 1984 defeat, believed that in order to be more competitive electorally, Democrats had to be more centrist on both economic and social issues.

In her book The Government-Citizen Disconnect, the political scientist Suzanne Mettler reports that 96 percent of American adults have relied on a major government program at some point in their lives. Rich, middle-class, and poor families depend on different kinds of programs, but the average rich and middle-class family draws on the same number of government benefits as the average poor family. Student loans look like they were issued from a bank, but the only reason banks hand out money to eighteen-year-olds with no jobs, no credit, and no collateral is because the federal government guarantees the loans and pays half their interest. Financial advisers at Edward Jones or Prudential can help you sign up for 529 college savings plans, but those plans' generous tax benefits will cost the federal government an estimated $28.5 billion between 2017 and 2026. For most Americans under the age of sixty-five, health insurance appears to come from their jobs, but supporting this arrangement is one of the single largest tax breaks issued by the federal government, one that exempts the cost of employer-sponsored health insurance from taxable incomes. In 2022, this benefit is estimated to have cost the government $316 billion for those under sixty-five. By 2032, its price tag is projected to exceed $6oo billion. Almost half of all Americans receive government-subsidized health benefits through their employers, and over a third are enrolled in government-subsidized retirement benefits. These participation rates, driven primarily by rich and middle-class Americans, far exceed those of even the largest programs directed at low income families, such as food stamps (14 percent of Americans) and the Earned Income Tax Credit (19 percent). Altogether, the United States spent $1.8 trillion on tax breaks in 2021. That amount exceeded total spending on law enforcement, education, housing, healthcare, diplomacy, and everything else that makes up our discretionary budget. Roughly half the benefits of the thirteen largest individual tax breaks accrue to the richest families, those with incomes that put them in the top 20 percent. The top I percent of income earners take home more than all middle-class families and double that of families in the bottom 20 percent. I can't tell you how many times someone has informed me that we should reduce military spending and redirect the savings to the poor. When this suggestion is made in a public venue, it always garners applause. I've met far fewer people who have suggested we boost aid to the poor by reducing tax breaks that mostly benefit the upper class, even though we spend over twice as much on them as on the military and national defense.

Take the New York–based Lemonade, arguably the best funded of today’s crowdsurance startups. Via an app, Lemonade brings together small groups of policyholders who pay premiums into a central “claim pool.” Artificial intelligence does the rest. The entire experience is mobile, simple, and fast. Ninety seconds to get insured, three minutes to get a claim paid, and zero paperwork. Adding more technology to this arrangement, companies like the Swiss firm Etherisc sell “bespoke insurance products” on the Ethereum blockchain. Because smart contracts remove the need for employees, paperwork, and all the rest, all sorts of new insurance products are being created. Etherisc’s first offering is something not covered by traditional insurers: flight delays and cancellations. Individuals sign up via credit card, and if their plane is more than forty-five minutes late, they’re paid instantly, automatically, and without the need for any paperwork.

Rich, middle-class, and poor families depend on different kinds of programs, but the average rich and middle-class family draws on the same number of government benefits as the average poor family. Student loans look like they were issued from a bank, but the only reason banks hand out money to eighteen-year-olds with no jobs, no credit, and no collateral is because the federal government guarantees the loans and pays half their interest. Financial advisers at Edward Jones or Prudential can help you sign up for 529 college savings plans, but those plans’ generous tax benefits will cost the federal government an estimated $28.5 billion between 2017 and 2026. For most Americans under the age of sixty-five, health insurance appears to come from their jobs, but supporting this arrangement is one of the single largest tax breaks issued by the federal government, one that exempts the cost of employer-sponsored health insurance from taxable incomes.

George Romney’s private-sector experience typified the business world of his time. His executive career took place within a single company, American Motors Corporation, where his success rested on the dogged (and prescient) pursuit of more fuel-efficient cars.41 Rooted in a particular locale, the industrial Midwest, AMC was built on a philosophy of civic engagement. Romney dismissed the “rugged individualism” touted by conservatives as “nothing but a political banner to cover up greed.”42 Nor was this dismissal just cheap talk: He once returned a substantial bonus that he regarded as excessive.43 Prosperity was not an individual product, in Romney’s view; it was generated through bargaining and compromises among stakeholders (managers, workers, public officials, and the local community) as well as through individual initiative. When George Romney turned to politics, he carried this understanding with him. Romney exemplified the moderate perspective characteristic of many high-profile Republicans of his day. He stressed the importance of private initiative and decentralized governance, and worried about the power of unions. Yet he also believed that government had a vital role to play in securing prosperity for all. He once famously called UAW head Walter Reuther “the most dangerous man in Detroit,” but then, characteristically, developed a good working relationship with him.44 Elected governor in 1962 after working to update Michigan’s constitution, he broke with conservatives in his own party and worked across party lines to raise the minimum wage, enact an income tax, double state education expenditures during his first five years in office, and introduce more generous programs for the poor and unemployed.45 He signed into law a bill giving teachers collective bargaining rights.46 At a time when conservatives were turning to the antigovernment individualism of Barry Goldwater, Romney called on the GOP to make the insurance of equal opportunity a top priority. As

Some incidents of facial profiling have been more inconvenient than others. I’ll never forget walking through airport security when I was flying to give a speech to a Christian men’s group in Montana. The Department of Homeland Security screeners obviously didn’t recognize me as “Jase the Duckman” from Duck Dynasty, and I felt like I was one wrong answer away from being led to an interrogation room in a pair of handcuffs! Hunting season had recently ended, so my hair and beard were in full bloom! The security screeners saw a Bible in my bag, and I guess they figured I was a Christian nut because of my long hair and bushy beard. Somehow, I made it through the metal detector and an additional pat-down, and I guess they couldn’t find a justifiable reason to detain me. But as I was getting my belongings back together, I accidentally bumped into a woman. She screamed! It must have been an involuntary reflex. It was a natural response, because she thought I was going to attack her. Once she finally settled down, I made my way to the gate and sat down to compose myself. After a few minutes, a young boy walked up and asked me for my autograph. Finally, I thought to myself. Somebody recognizes me from Duck Dynasty. Not everyone here believes I’m the Unabomber! Man, I could have used the kid about twenty minutes earlier, when I was trying to get through security! I looked over at the boy’s mother, and she was smiling from ear to ear. I realized they were very big fans. I signed my name on a piece of paper and handed it to the kid. “Can I ask you a question?” he said. “Sure, buddy,” I said. “Ask me anything you want.” “How much does Geico pay y’all?” he asked. My jaw dropped as I looked at the kid. “Wait a minute, man,” I said. “I’m not a caveman!” “What do you mean?” the boy asked. “I’m Jase the Duckman,” I said. “You know--from Duck Dynasty? Quack, quack?” It didn’t take me long to realize the boy had no idea what I was talking about. In a matter of minutes, I went from being a potential terrorist to being a caveman selling insurance.

Got a one-way ticket to the blues, woo, woo, . . . IF you want to sing it, sing it. These days people caught in the clutches of the one-way ticket never sing it like that. The soles of those who have only a one-way ticket are so thin that they scream when they step on a pebble. They have had their fill of walking. "The Round-Trip Ticket Blues" is what they want to sing. A one-way ticket is a disjointed life that misses the links between yesterday and today, today and tomorrow. Only the man who obstinately hangs on to a round-trip ticket can hum with real sorrow a song of a one-way ticket. For this very reason he grows desperate lest the return half of his ticket be lost or stolen; he buys stocks, signs up for life insurance, and talks out of different sides of his mouth to his union pals and his superiors. He hums "The One-Way Ticket Blues" with all his might and, choosing a channel at random, turns the television up to full volume in an attempt to drown out the peevish voices of those who have only a one-way ticket and who keep asking for help, voices that come up through the bathtub drain or the toilet hole. It would not be strange at all if "The Round-Trip Ticket Blues" were the song of mankind imprisoned.

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.

To purchase a Volkswagen, customers were required to make a weekly deposit of at least 5 Reichsmarks into a DAF account on which they received no interest. Once the account balance had reached 750 Reichsmarks, the customer was entitled to delivery of a VW. The DAF meanwhile achieved an interest saving of 130 Reichsmarks per car. In addition, purchasers of the VW were required to take out a two-year insurance contract priced at 200 Reichsmarks. The VW savings contract was non-transferable, except in case of death, and withdrawal from the contract normally meant the forfeit of the entire sum deposited. Remarkably, 270,000 people signed up to these contracts by the end of 1939 and by the end of the war the number of VW-savers had risen to 340,000. In total, the DAF netted 275 million Reichsmarks in deposits. But not a single Volkswagen was ever delivered to a civilian customer in the Third Reich. After 1939, the entire output was reserved for official uses of various kinds. Most of Porsche’s half-finished factory was turned over to military production. The 275 million Reichsmarks deposited by the VW savers were lost in the post-war inflation. After a long legal battle, VW’s first customers received partial compensation only in the 1960s.

In the future that globalists and feminists have imagined, for most of us there will only be more clerkdom and masturbation. There will only be more apologizing, more submission, more asking for permission to be men. There will only be more examinations, more certifications, mandatory prerequisites, screening processes, background checks, personality tests, and politicized diagnoses. There will only be more medication. There will be more presenting the secretary with a cup of your own warm urine. There will be mandatory morning stretches and video safety presentations and sign-off sheets for your file. There will be more helmets and goggles and harnesses and bright orange vests with reflective tape. There can only be more counseling and sensitivity training. There will be more administrative hoops to jump through to start your own business and keep it running. There will be more mandatory insurance policies. There will definitely be more taxes. There will probably be more Byzantine sexual harassment laws and corporate policies and more ways for women and protected identity groups to accuse you of misconduct. There will be more micro-managed living, pettier regulations, heavier fines, and harsher penalties. There will be more ways to run afoul of the law and more ways for society to maintain its pleasant illusions by sweeping you under the rug. In 2009 there were almost five times more men either on parole or serving prison terms in the United States than were actively serving in all of the armed forces.[64] If you’re a good boy and you follow the rules, if you learn how to speak passively and inoffensively, if you can convince some other poor sleepwalking sap that you are possessed with an almost unhealthy desire to provide outstanding customer service or increase operational efficiency through the improvement of internal processes and effective organizational communication, if you can say stupid shit like that without laughing, if your record checks out and your pee smells right—you can get yourself a J-O-B. Maybe you can be the guy who administers the test or authorizes the insurance policy. Maybe you can be the guy who helps make some soulless global corporation a little more money. Maybe you can get a pat on the head for coming up with the bright idea to put a bunch of other guys out of work and outsource their boring jobs to guys in some other place who are willing to work longer hours for less money. Whatever you do, no matter what people say, no matter how many team-building activities you attend or how many birthday cards you get from someone’s secretary, you will know that you are a completely replaceable unit of labor in the big scheme of things.

for e-commerce websites looking to integrate ODR into their services, don't hide this assurance on a page three clicks away from the homepage. The benefits won't be reaped if the notification of the availability of ODR is not announced on the top levels. Put a sidebar on the customer service page, put it in the privacy policy, or even put a little news item on the homepage. Choose the Web seals you subscribe to and display carefully. Sign up for a seal that has a broader trust-in-transactions connotation,

The logistics of getting them around were just completely insurmountable,” said Hanson-Press. “I was really stressed every single day about getting them around.” Cue HopSkipDrive, a Los Angeles start-up that has been described as ride-hailing for children. Founded by three Angelenos who are also moms, the service chauffeurs only children ages 7 to 17. In many ways, it's similar to transport network companies such as Uber, Lyft and SideCar (Uber requires customers to be over 18). Drivers are contractors who use their own vehicles to transport passengers. All drivers undergo third-party background checks and vehicle inspections. Parents can book rides for their kids through a mobile app and pay through a cashless transaction. But there are also significant differences. Unlike Uber, whose drivers simply need to have experience behind the wheel, HopSkipDrive drivers are required to have at least five years of experience caring for children (this can mean people who are themselves parents, nannies, teachers, camp counselors, etc.). And like Shuddle, a similar service that operates in the San Francisco Bay Area, all drivers are vetted in person. HopSkipDrive checks drivers' references and will even go for a ride with each driver it signs up. All rides are covered by insurance specific to transporting minors.

FIGURE 5.1 Buying and closing checklist. 1. Identify a potential bargain purchase; ask questions. 2. Write down the one urgent problem you can solve for the seller. 3. Establish the fair market value, give or take 5 percent. 4. Research the market rent and likely net income the property will produce. 5. State your minimum acceptable profit on this house. 6. Formulate an offer that solves the seller's one urgent problem. 7. Make the offer. Insist on either an acceptance or a counteroffer (Don't tell me what you won't do; tell me what you will do). 8. Make another offer based on any new information. 9. If the seller is unresponsive but you remain convinced there is opportunity, go away and come back in a week with another offer. 10. Get the contract accepted-signed by all parties. 11. Make your earnest money deposit with the closing agent. 12. Retain rights to house inspector and termite inspector if needed. 13. Order a title search with a title company, attorney, or escrow company, and furnish these agents a copy of your fully signed contract. 14. Talk with the agent or attorney who will prepare the closing documents to alert him to any unusual clauses in the contract. 15. Get copies of any documents you will be required to sign the day before the closing, and get a copy of the title insurance commitment-read to check for exceptions. 16. Read closing documents (very carefully!!!). 17. Walk through the house the day of the closing after the sellers are completely out of the house. 18. Go to the closing, review the documents, and collect the appropriate items listed on the closing documents list, and get the keys and garage door opener. Note: When you are buying, take your time. Time is on your side. Having both the buyers and the sellers at the closing can work to your advantage. When you are selling, sign documents in advance. Only go to pick up your check after the buyer has signed everything and left. Source: Reprinted from John Schaub, "Making It Big on Little Deals," seminar by permission

What is the proper length of time for grieving? Whenever I think of Anna I tear up. I tear up at the most inopportune times, often embarrassing me a senior a seemingly mature citizen. I admit to being lonely. I feel ashamed of myself for desiring the presence and companionship of a caring female. But with no children, almost no friends and fewer and fewer remaining my living area is deserted with no sign of life other than the television, the cat and the occasional telephone call reminding me that my car’s warranty had expired or that I need life insurance or a security system." — an excerpt from Alex Gall's tribute to his late wife, Anna

What are your feelings from Bush to Obama? Besides being responsible for the death of half a million people, I feel like Bush dealt a huge economic and social blow to the USA, one from which we may never fully recover. He directly flushed 3 trillion dollars down the toilet on hopeless, pointlessly destructive wars in Afghanistan and Iraq …and they’re not even over! For years to come, we’ll be paying costs for all the injured veterans (over 50,000) and destabilizing three countries, because you have to look at the impact that the Afghan war has on Pakistan. Bush expanded the use of torture, and created a whole new layer of government bureaucracy (the “Department of Homeland Security”) to spy on Americans. He created Indefinite Detention (at Guantanamo and other US military bases) and expanded the use of executive-ordered assassinations using the new drone technology. On economic issues, his administration allowed corporations to run things and regulate themselves. The agency that was supposed to regulate oil drilling had lobbyist-paid prostitutes sleeping with employees while oil industry lobbyists basically ran the agency. Energy companies like Enron, and the country’s investment banks were deregulated at the end of the Clinton administration and Bush allowed them to run wild. Above all, he was incompetent and appointed some really stupid people to important positions at every level of government. Certainly, Obama has been involved in many of these same activities. A few he’s increased, such as the use of drone assassinations, but most of them he has at least tried to scale back. At the beginning of his first term, he tried to close the Guantanamo prison and have trials for many of the detainees in the United States but conservatives (including many Democrats) stirred up public resistance and blocked this from happening. He tried to get some kind of universal healthcare because over 50 million Americans don’t have health insurance. This is one of the leading causes of personal bankruptcies and foreclosures because someone gets sick in a family, loses their job, loses their health insurance (because American employers are source of most people’s healthcare) and they can’t pay their health bills or their mortgage. Or they use up all their money caring for a sick family member. So many people in the US wanted health insurance reform or single-payer, universal health care similar to what you have in the UK. Members of Obama’s own party (The Democrats) joined with Republicans to narrowly block “The public option” but they managed to pass a half-assed but not-unsubstantial reform of health insurance that would prevent insurers from denying you coverage when you’re sick or have a “preexisting condition.” The minute it was signed into law, Republicans sued in the courts (all the way to the supreme court) and fought, tooth and nail to block its implementation. Same thing with gun control, even as we’re one of the most violent industrial countries in the world. (Among industrial countries, our murder rate is second only to Russia). Obama has managed to withdraw troops from Iraq and Afghanistan over Republican opposition but, literally, everything he tries to do, they blast it in the media and fight it in Congress. So, while I have a lot of criticisms of Obama, he is many orders of magnitude less awful than Bush and many of the positive things he’s tried to do have been blocked. That said, the Democratic and Republican parties agree on more things than they disagree. Both signed off on the Afghan and Iraq wars. Both signed off on deregulation of banks, of derivatives, of mortgage regulations and of the energy and telecom business …and we’ve been living with the consequences ever since. I’m guessing it’s the same thing with Labor and Conservatives in the UK. Labor or Democrats will SAY they stand for certain “progressive” things but they end up supporting the same old crap... (2014 interview with iamhiphop)

Quick Gmail Trick Noah and I both use the Gmail “+” trick all the time. Let’s say your email address is bob@bobsmith.com. After signing up for services or newsletters, how can you tell who’s sharing your email, or contain the damage if someone discovers your login email? Companies get hacked all the time. Just use + as cheap insurance. If you append + and a word to the beginning, messages will still get delivered to your inbox. Signing up for Instacart, for instance? You could use bob+insta@bobsmith.com. I use this, or benefit from it, on a daily basis.

Unfortunately, the Bull that gilded Renaissance New York did little for most Americans. Eighties Wall Street was about institutional money released by deregulation, mergers and acquisitions, and, most of all, the debt that made it all possible. As John Kenneth Galbraith points out, financial euphoria always starts with new ways to borrow money; this time it was triggered by the Savings & Loan crisis. Volcker’s rocketing interest rates had forced S&Ls to offer double digits to new depositors while only getting back single digits on the old thirty-year mortgages on their books. S&Ls were going under, and getting a mortgage was nearly impossible, so in March 1980, with the banking system and the housing market on the brink, Carter had signed a law to allow them to issue credit cards, invest in commercial real estate, and offer checking accounts in order to stay in business. Reagan then took it a step further with a change that encouraged S&Ls to sell their mortgages in search of higher returns, freeing up a $1 trillion that needed to be invested in something. Which takes us back to Salomon Brothers, where in 1978 one Lew Ranieri had repackaged an old investment product the government had clamped down on during the Depression: A group of home mortgages all backed by government insurance would be bundled together, then sliced into bonds, thus converting the debt some people owed on their homes into an asset for others. Ranieri had been a bit ahead of the curve then—the same high interest rates that killed the S&Ls also made his bonds unattractive—but now deregulation let Salomon buy up the S&Ls’ mortgages at a deep discount, bundle them into bonds, and sell them back to the S&Ls who believed they’d diversified into the bond market when in fact they’d just bought ground meat made out of their own steaks. In June 1983, Salomon Brothers and Freddie Mac together issued the first collateralized mortgage obligation bonds (CMOs), which bundled up debt and cut it into tranches based on the amount of risk: you could choose between ground chuck and ground sirloin. It would be years before technology would allow doing this on a huge scale, but the immediate impact was that all kinds of debt, not just mortgages, were bundled, cut into bonds, and sold: credit card debt, car loans, you name it. Between 1983 and 1988, some $60 billion of CMOs were sold; GM’s financing arm became more profitable than its cars. America began to make debt instead of things. The

Only a quarter of families who qualify for Temporary Assistance for Needy Families apply for it. Less than half (48 percent) of elderly Americans who qualify for food stamps sign up to receive them. One in five parents eligible for government health insurance (in the form of Medicaid and the Children’s Health Insurance Program) do not enroll, just as one in five workers who qualify for the Earned Income Tax Credit do not claim it.

Are the others going to meet us at the mall?” “The mall?” Landon asked. “Why are we going there?” “I, um… kinda asked my mom to help me sign you guys up for health insurance. I hope that’s okay. I want to make sure that you guys are covered, especially if you’re going to do shit like you did last night with”—I glanced at Mom and lowered my voice—“Vaughn.” “Health insurance?” Landon asked me, eyes widening, and a small smile stretching across his face, as if he couldn’t believe someone could love him so fucking much that they wanted to make sure he was good in that area of his life. “You really asked your mom to help us do something like that?

MONTH ONE ACTION PLAN Open a new checking account that is free of monthly maintenance fees. Notify your employer to have your direct deposit sent to the new account. Same with any automatic payments or transfers you make from your checking account—notify everyone of the new account. Balance your checkbook each month; verify all your withdrawals and deposits, and keep track that every bill you pay is recorded as a debit on your account. Open a new savings or money market account that is FDIC insured and carries a high APY. Make it a goal to build a savings account over time that has a balance large enough to cover up to eight months of living expenses. Sign up for automatic deposits into your savings account. If you have more than $100,000 at any one institution, make sure you understand the rules for getting full insurance coverage.

I was crying so hard that I didn’t even want to bring my hands away. “Babe, stop crying,” he said with a chuckle. He looked at me and bit down on his lip making me all shy-like again. I backed away and tried to pull away from him to keep myself from crying even more. “You did all this?” I asked him, and he nodded. “I mean…I made sure it got set up. Tangie helped, but that’s why ain’t nobody been up here. They been taking care of this and making sure everything was right for you. Remember the chick that came through and said she needed our IDs and for us to sign for some insurance and shit?” “Yes,” I said and looked up at him and into his eyes. “That was my homegirl from the clerk’s office. She was filling the shit out we needed for the marriage license.” I laughed and hit Khi on the arm. I looked around, still amazed at how beautiful everything was. The place was filled with flowers, and a few candles were even lit at the front of the small chapel. “What about my hair…and what about what I have on?” I asked Khi, and he bit down on that damn lip again. “Don’t worry about your hair. You was ugly when I met you, so it’s only right I marry you looking the same way.” I cracked up laughing, and so did the nurse that stood by next to the wheelchair that she had wheeled Khi down in. I looked up at him with seriousness in my eyes and mouthed thank you to him. This wasn’t the dream wedding that I had wanted, but it was better, because my soon-to-be husband had planned it.

I think being at home makes adventures seem both more exciting and more possible, but also somehow more imaginary (like, I don't think about how to sign up for French health insurance, only planning my outfits for wandering along the Seine).

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.

Sunday's Best Times are tough for English babies Send the army and the navy Beat up strangers who talk funny Take their greasy foreign money Skin shop, red leather, hot line Be prepared for the engaged sign Bridal books, engagement rings And other wicked little things Chorus: Standing in your socks and vest Better get it off your chest Every day is just like the rest But Sunday's best Stylish slacks to suit your pocket Back supports and picture lockets Sleepy towns and sleeper trains To the dogs and down the drains Major roads and ladies smalls Hearts of oak and long trunk calls Continental interference At death's door with life insurance Chorus Sunday's best, Sunday's finest When your money's in the minus And you suffer from your shyness You can listen to us whiners Don't look now under the bed An arm, a leg and a severed head Read about the private lives The songs of praise, the readers' wives Listen to the decent people Though you treat them just like sheep Put them all in boots and khaki Blame it all upon the darkies

Once she finally settled down, I made my way to the gate and sat down to compose myself. After a few minutes, a young boy walked up and asked me for my autograph. Finally, I thought to myself. Somebody recognizes me from Duck Dynasty. Not everyone here believes I’m the Unabomber! Man, I could have used the kid about twenty minutes earlier, when I was trying to get through security! I looked over at the boy’s mother, and she was smiling from ear to ear. I realized they were very big fans. I signed my name on a piece of paper and handed it to the kid. “Can I ask you a question?” he said. “Sure, buddy,” I said. “Ask me anything you want.” “How much does Geico pay y’all?” he asked. My jaw dropped as I looked at the kid. “Wait a minute, man,” I said. “I’m not a caveman!” “What do you mean?” the boy asked. “I’m Jase the Duckman,” I said. “You know--from Duck Dynasty? Quack, quack?” It didn’t take me long to realize the boy had no idea what I was talking about. In a matter of minutes, I went from being a potential terrorist to being a caveman selling insurance.

Along with John and Judi, we took a big risk and started filming on the movie before we had a contract signed with MGM. There didn’t seem to be any choice. I imagined all the insurance underwriters across the world reacting to the phrase “live crocodiles.” Those two words would be enough to blow them right out of their cubicles. So we began shooting with our zoo crocodiles, but without signatures on the dotted line for the movie. A particular scene in the script--and a good example of an insurance man’s nightmare--had a crocodile trying to lunge into a boat. Only Steve’s expertise could make this happen, since the action called for Steve and me to be in the boat at the time. If the lunging crocodile happened to hook his head over the edge of the boat, he would tip us both into the water. That would be a one-way trip. “How are you going to work it?” I asked Steve. “Get the crocs accustomed to the dinghy first,” he said. “Then I’ll see if I can get them interacting with me while I’m in the boat.” First he tried Agro, one of our biggest male crocs. Agro was too wary of the boat. He’s a smart crocodile. I think he remembered back when he was captured. He didn’t want any of it. We decided to try with our friend Charlie. Charlie had been very close to ending up at a farm, his skin turned into boots, bags, and belts. He definitely had attitude. He spent a lot of his time trying to kill everything within range. Steve felt good about the possibility of Charlie having a go. Because he was filming a movie and not shooting a documentary, John had a more complex setup than usual, utilizing three thirty-five-millimeter cameras. Each one would film in staggered succession, so that the film magazine changes would never happen all at once. There would never be a time when film was not rolling. We couldn’t very well ask a crocodile to wait while a fresh mag was loaded into a camera. “You need to be careful to stay out of Charlie’s line of sight,” Steve said to me. “I want Charlie focusing only on me. If he changes focus and starts attacking you, it’s going to be too difficult for me to control the situation.” Right. Steve got no argument from me. Getting anywhere near those bone-crushing jaws was the furthest thing from my mind. I wasn’t keen on being down on the water with a huge saltwater crocodile trying to get me. I would have to totally rely on Steve to keep me safe.

You need to be careful to stay out of Charlie’s line of sight,” Steve said to me. “I want Charlie focusing only on me. If he changes focus and starts attacking you, it’s going to be too difficult for me to control the situation.” Right. Steve got no argument from me. Getting anywhere near those bone-crushing jaws was the furthest thing from my mind. I wasn’t keen on being down on the water with a huge saltwater crocodile trying to get me. I would have to totally rely on Steve to keep me safe. We stepped into the dinghy, which was moored in Charlie’s enclosure, secured front and back with ropes. Charlie came over immediately to investigate. It didn’t take much to encourage him to have a go at Steve. Steve grabbed a top-jaw rope. He worked on roping Charlie while the cameras rolled. Time and time again, Charlie hurled himself straight at Steve, a half ton of reptile flesh exploding up out of the water a few feet away from me. I tried to hang on precariously and keep the boat counterbalanced. I didn’t want Steve to lose his footing and topple in. Charlie was one angry crocodile. He would have loved nothing more than to get his teeth into Steve. As Charlie used his powerful tail to propel himself out of the water, he arched his neck and opened his jaws wide, whipping his head back and forth, snapping and gnashing. Steve carefully threw the top-jaw rope, but he didn’t actually want to snag Charlie. Then he would have had to get the rope off without stressing the croc, and that would have been tricky. The cameras rolled. Charlie lunged. I cowered. Steve continued to deftly toss the rope. Then, all of a sudden, Charlie swung at the rope instead of Steve, and the rope went right over Charlie’s top jaw. A perfect toss, provided that had been what Steve was trying to do. But it wasn’t. We had a roped croc on our hands that we really didn’t want. Steve immediately let the rope go slack. Charlie had it snagged in his teeth. Because of Steve’s quick thinking and prompt maneuvering, the rope came clear. We breathed a collective sigh of relief. Steve looked up at the cameras. “I think you’ve got it.” John agreed. “I think we do, mate.” The crew cheered. The shoot lasted several minutes, but in the boat, I wasn’t sure if it had been seconds or hours. Watching Steve work Charlie up close had been amazing--a huge, unpredictable animal with a complicated thought process, able to outwit its prey, an animal that had been on the planet for millions of years, yet Steve knew how to manipulate him and got some fantastic footage. To the applause of the crew, Steve got us both out of the boat. He gave me a big hug. He was happy. This was what he loved best, being able to interact and work with wildlife. Never before had anything like it been filmed in any format, much less on thirty-five-millimeter film for a movie theater. We accomplished the shot with the insurance underwriters none the wiser. Steve wanted to portray crocs as the powerful apex predators that they were, keeping everyone safe while he did it. Never once did he want it to appear as though he were dominating the crocodile, or showing off by being in close proximity to it. He wished for the crocodile to be the star of the show, not himself. I was proud of him that day. The shoot represented Steve Irwin at his best, his true colors, and his desire to make people understand how amazing these animals are, to be witnessed by audiences in movie theaters all over the world. We filmed many more sequences with crocs, and each time Steve performed professionally and perfected the shots. He was definitely in his element. With the live-croc footage behind us, the insurance people came on board, and we were finally able to sign a contract with MGM. We were to start filming in earnest. First stop: the Simpson Desert, with perentie lizards and fierce snakes.

Ever since Obamacare was signed into law in 2010 it has distorted American health care, raised insurance costs, and hurt the economy. It has also been implemented with shameless disregard for the law (having been unilaterally changed by President Obama without the permission of Congress at least twenty-eight times) and with almost no transparency. We at Judicial Watch started The National Obama Accountability Project to hold Barack Obama and his administration accountable to the American people for its compulsive secrecy and violations of the law. Since then, we have initiated more than 950 open record requests and filed more than 90 lawsuits to protect the people’s right to know about what the Obama administration is up to. Two areas we have focused on are the complete failure of the Obama administration to protect the privacy of your health records and its connivance with Congress to evade the consequences of the Obamacare law and allow its members and staff to receive subsidies under the law that aren’t available to millions of taxpayers. In

Maybe Sloan would agree to a deal. I’d talk to someone about some of my issues if she would agree to go to grief counseling. It wasn’t me giving in to Josh like she wanted, but Sloan knew how much I hated therapists, and she’d always wanted me to see someone. I was debating how to pitch this to her when I glanced into the living room and saw it—a single purple carnation on my coffee table. I looked around the kitchen like I might suddenly find someone in my house. But Stuntman was calm, plopped under my chair. I went in to investigate and saw that the flower sat on top of a binder with the words “just say okay” written on the outside in Josh’s writing. He’d been here? My heart began to pound. I looked again around the living room like I might see him, but it was just the binder. I sat on the sofa, my hands on my knees, staring at the binder for what felt like ages before I drew the courage to pull the book into my lap. I tucked my hair behind my ear and licked my lips, took a breath, and opened it up. The front page read “SoCal Fertility Specialists.” My breath stilled in my lungs. What? He’d had a consultation with Dr. Mason Montgomery from SoCal Fertility. A certified subspecialist in reproductive endocrinology and infertility with the American Board of Obstetrics and Gynecology. He’d talked to them about in vitro and surrogacy, and he’d had fertility testing done. I put a shaky hand to my mouth, and tears began to blur my eyes. I pored over his test results. Josh was a breeding machine. Strong swimmers and an impressive sperm count. He’d circled this and put a winking smiley face next to it and I snorted. He’d outlined the clinic’s high success rates—higher than the national average—and he had gotten signed personal testimonials from previous patients, women like me who used a surrogate. Letter after letter of encouragement, addressed to me. The next page was a complete breakdown on the cost of in vitro and information on Josh’s health insurance and what it covered. His insurance was good. It covered the first round of IVF at 100 percent. He even had a small business plan. He proposed selling doghouses that he would build. The extra income would raise enough money for the second round of in vitro in about three months. The next section was filled with printouts from the Department of International Adoptions. Notes scrawled in Josh’s handwriting said Brazil just opened up. He broke down the process, timeline, and costs right down to travel expenses and court fees. I flipped past a sleeve full of brochures to a page on getting licensed for foster care. He’d already gone through the background check, and he enclosed a form for me, along with a series of available dates for foster care orientation classes and in-home inspections. Was this what he’d been doing? This must have taken him weeks. My chin quivered. Somehow, seeing it all down on paper, knowing we’d be in it together, it didn’t feel so hopeless. It felt like something that we could do. Something that might actually work. Something possible. The last page had an envelope taped to it. I pried it open with trembling hands, my throat getting tight. I know what the journey will look like, Kristen. I’m ready to take this on. I love you and I can’t wait to tell you the best part…Just say okay. I dropped the letter and put my face into my hands and sobbed like I’d never sobbed in my life. He’d done all this for me. Josh looked infertility dead in the eye, and his choice was still me. He never gave up. All this time, no matter how hard I rejected him or how difficult I made it, he never walked away from me. He just changed strategies. And I knew if this one didn’t work he’d try another. And another. And another. He’d never stop trying until I gave in. And Sloan—she knew. She knew this was here, waiting for me. That’s why she’d made me leave. They’d conspired to do this.

Jeff Dahl, a lawyer who worked personal injury claims in Florida for more than a decade, illustrates the ways that stagecraft—while manipulative—can be in everyone’s best interest. Florida, like many other states, likes to see lawsuits handled through mediation rather than cluttering up the court system. One time Dahl was serving as mediator between a thirty-year-old plaintiff, who had been injured in an automobile accident, and an insurance company. Dahl put the plaintiff and his lawyer in one room, and the insurance representative across the hall in another room. Both rooms had glass walls and afforded a full view of the opposing party. Dahl spent the better part of the next two hours moving from one room to the other, patiently hearing out each side and validating their concerns. The insurance company agreed to pay seventy thousand dollars, which Dahl knew was exactly the figure the plaintiff wanted, so Dahl expected to conclude the deal. Unfortunately, when the plaintiff received the offer he became temporarily intoxicated by the prospect of money and indicated that he wanted to hold out for more. Dahl knew that the insurance representative was not authorized to pay additional money. Fearing that the mediation would devolve into a bitter lawsuit, Dahl opted to engage in a little drama. Dahl marched into the room where the insurance rep sat waiting to hear that the plaintiff had accepted his offer. Instead of relaying the fact that the plaintiff now wanted even more money, Dahl said, “I need to know you are serious about this seventy thousand dollars and that it’s your best offer. If this is truly the case, you can communicate that to me in earnest by packing up your briefcase and leaving. After all, there is nothing more for us to do here.” At Dahl’s suggestion, the rep began packing to leave. Dahl used this opportunity to rush, panicked, to the plaintiff across the hall. “Oh no!” Dahl warned, “The rep is leaving and taking his offer with him! You’d better agree to the deal quickly, so that everyone can go home happy.” Minutes later, the parties got together to sign the papers. It’s important to remember that while what Dahl did was manipulative in the purest sense of the word, it was also intended to benefit all parties equally—and it succeeded in doing so.

isn’t a vehicle subscription just another word for a lease? Well, no. A lease still binds you to a specific vehicle, whereas a subscription can potentially offer you access to a range of vehicles. “Simply flip between vehicles via the app as your needs change,” says Porsche on its website. You’re signing up with the company, not the car. Another difference: With subscriptions, all the potentially annoying aspects of owning a vehicle (registration, insurance, maintenance) simply go away. With leases, you still have to get your own insurance. Also, many car subscriptions give you the option to subscribe on a month-to-month basis. As Christina Bonnington of Slate notes, “You could theoretically not have a car for ten months of the year when you’re working and using public transit and then get a car subscription for two months when you’ll be travelling more often.

We can’t exactly do normal things. If we all go out on a date together, people are going to stare. How would we buy a house together? How will we sort out life insurance, or split up the chores? Who cleans the bathroom? How the fuck will we sign our Christmas cards?” “That’s easy. We don’t send Christmas cards.” “I’m serious! The world isn’t built to accommodate a relationship like ours. We’re taking the hardest path, and I just wonder if one day, one of us might wake up and wish things were easier.