#Business insurance in uk
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Happy Memorial Day Weekend!
#memorialday#memorialdayweekend#happymemorialday#celebrate#remember#honor#realtor#realestate#realty#realestateagent#realestatebroker#investment#realestateteam#property#broker#mortgage#buyorsell#forsale#consultant#loanofficer#mortgagebroker#homeinspection#insurance#ceo#owner#business#graphicdesign#usa#canada#uk
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Discover the benefits of working with a custom insurance app development company like MobioSolutions. From improved user experience to increased efficiency and cost savings, our experts can help take your insurance business to the next level.
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Get ready for a whole new level of convenience with our cross-platform mobile apps built on React Native. Say goodbye to lengthy insurance processes and hello to instant access.
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Check the Benefits of Personal Guarantee Insurance for Small Business Owners
Find how Personal Guarantee Insurance can safeguard your personal assets while securing business loans. Learn how this vital insurance can provide peace of mind for small business owners, ensuring financial stability and protecting personal wealth. Explore the benefits, coverage options, and why it’s a smart choice for entrepreneurs looking to mitigate risks and focus on growth.
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#business loan#loans#personal loans#same day payday loans#mortgage#short term loans uk#insurance#home loan#budget
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#home loan#business loan#loans#personal loans#same day payday loans#short term loans uk#mortgage#insurance#budget
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Explore the importance of takeaway insurance for your delivery business with our comprehensive guide. Understand key coverages, cost considerations, and how to tailor a policy for your specific needs. Essential reading for UK takeaway owners seeking to safeguard their business.
#liability insurance#public liability insurance#restaurant insurance uk#takeaway insurance#takeaway business insurance
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r/ukvisa is a treasure trove of useful info and experience and has saved me so many times by digging up home office policies buried on the website that could get a visa rejected but boy does it not take a lot for several people on that sub to throw disabled people/"illegal" immigrants/asylum seekers/the entire concept of taxation and socialised healthcare/etc under the bus
#yes it fucking sucks that we have to pay the ihs#it sucks double that you have to pay the ihs even when you are paying national insurance#i do not like being taxed twice when the tory besties with millions barely get taxed either!#the solution to that is not 'get rid of the nhs it barely works and move to private healthcare entirely' can you actually hear yourself#or to say 'well i shouldn't have to contribute to the nhs as i never get sick ever and i pay for private healthcare when i do get sick'#or 'the government is so busy bleeding money from us the Good Legal High-Earning Immigrants Who Deserve To Be Here and ignoring the people.#... crossing in small boats who don't deserve to be here'#i am not even paraphrasing much lol 'this government hates people who want to be here legally' is a running comment on the sub#my good pal they hate ALL immigrants#they hate some of us less than others but they're not after us bc they have some sympathy (???) for asylum seekers they're doing it bc they#see a cash cow that isn't their besties and are trying to make it ridiculously difficult to get in the country. bc they don't like immigran#this coupled with labour's announcement today that THEY would actually be good and harsher with small boat crossings and i guess kill more#asylum seekers as though that's a matter of fucking pride#has pissed me off ok#rhetoric in this country towards 'less desirable' immigrants and asylum seekers and refugees has always been vile but god#have suella braverman and priti patel really done a number on it bc it's so so unabashedly violent in the last few years#i'd also like to point out that people struggling to be in the uk 'legally' (quote marks for a reason) & resorting to other means is a#direct consequence of the hostile environment and how hard it is to get a visa logistically financially etc#anyway i don't understand the 'it is hard for me therefore let me make it fucking harder for everyone else instead of attacking the people#in charge who made it this way and benefit from us being screwed over'#the model minority thing got in our heads and infected us you gotta cut it out and stop trying to be the good immigrant and ffs don't do th#tories job for them#i am. mad. ok i'm done now#ukpol#immigration#abolish borders today pls#2023 is an experience#my post
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#small #business #insurance #: #A #Guide #to #Choosing #the #Right #Insurance
https://www.insurance2025.com/small-business-insurance-a-guide-to-choosing-the-right-insurance/
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Hi There! Are you looking for business card design? Kindly inbox me.
#businesscard#holding#holdingcompany#corporate#financing#realty#finance#investing#entrepreneur#wealth#realtor#realestate#realestateagent#realestatebroker#investment#realestateteam#property#broker#mortgage#loanofficer#mortgagebroker#insurance#construction#ceo#business#lion#graphicdesign#usa#canada#uk
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upcoming store stuff & why we're doing a super sale
omg hiiii it's devin again, and this time i'm bringing store news
the short version: we're moving ourselves back to minnesota, and we're moving order fulfillment to a fulfillment center
wow, that's big news! maya and i are so so so excited to be closer to our minnesota friends (and also my family lol). i'm hoping to be back in northeast minneapolis, but let's be real we're probably gonna get priced out and into the suburbs
in addition to that, due to a variety of reasons i'll explain in more detail below, we're transitioning from in-house fulfillment to working with a fulfillment center (or 3pl, short for third-party logistics). we're at an awkward size that makes staffing difficult and have had issues with extended processing time. the 3pl should be set up by september, and we're working on the back end to have fulfillment centers in australia, canada, the UK, and eventually the EU. if tax authorities work with us we should have all that ready by december 2024!
to prepare for that we're doing a super sale. ash told me not to call it liquidation but she said that like 30 seconds after i hit send on the marketing email, sorry about that. items that we don't want to pay to move to the 3pl are discounted by 25-70%, with some of them priced at cost. under no circumstances will anything ever be 70% off again
if you're nosy you can read the q&a i made up in my head while eating pigs in a blanket:
how are the labor protections at the 3pl?
pretty good! we were shocked to find anything even halfway decent in the US; we went looking for a fulfillment center in the EU to handle all international fulfillment, and the one we found just so happened to have bought a US location two years ago.
they're located in ohio, pay $19/hr, and provide health insurance and 401k matching. that seemed too good to be true so we dug through employee reviews on places like glassdoor, and while there were some bad reviews those were all dated prior to when the facility was purchased by this new company. they also have a very low turnover rate which is a HUGE green flag
why are you transferring to a 3pl?
the serious
sometimes we have a high volume of sales, and it makes sense to have two full-time employees plus a part timer! but usually we have a low-to-medium volume of sales. we can float by on that, but it gets risky, and the economy is in a bad enough state that we're concerned about the longevity
related, the 2023 holiday sale showed us some major flaws in our fulfillment process. if the same issues were to happen this year the business probably wouldn't survive
we're moving cross-country in early 2025 and would've had to close this location anyway
the dumb:
i'm sick of dealing with commercial landlords and if i have one more wall leak i'm going to throw it into the river brick by brick
what about your staff?
unfortunately we will have to say goodbye to our office staff. they have been given 3.5 months notice and no-questions-asked PTO for interviews with a small severance
why are you moving back to minnesota?
troy was always meant to be a temporary move. initially the plan was to move to vermont or massachusetts, but after being out here for 7 years we just kinda want to go home. the weather in troy is perfect for us, we love the mountains, and we have some great friends here, but for some goddamn reason we want our eyelashes to freeze together.
will you be returning to midwest cons?
if we return to cons at all it will be with ariel and/or ash running the booth, maya will not be involved. this would likely be in california and/or in the northeast US.
my friends are begging me to go to CONvergence as an attendee so ig you might see me there? maya has pledged death before crowded venues tho
will you do any local events in minnesota?
we might do sample sales. honestly idk what we're gonna do with the samples we have in troy, most of them are terrible. do you want samples of the strangest low rise bell bottom pants ever created? please take them from me. my bush hangs out
also my kid brother has gotten really into library events and if he asks nice enough we might do some of those
is there anything else?
i mean probably, but i started this last week and i haven't had any other ideas on what to include
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Okay Brits I need you to start paying attention.
We are likely in a General Election year.
We are going to be voting which political party we want to govern us the next five years. As of yet we don't have a date (the latest it could be held is January 2025, though it's probably going to be in 2024), but you need to start listening to what's going on so you can be ready and make an informed choice.
In the last General Election, the turnout was 67.3% across the UK. People often say they didn't vote because they didn't understand the politics or "they're all the same anyway."
When a General Election is called, Polling Day will be 25 days later. If you're working, busy, or just have life stuff happening, you may not have time to do the research you want. This is why it's important to start doing things now.
1. Are you Registered to Vote?
You can register to vote here.
You can check if you're registered by going here.
You must 18 or over on Polling Day to vote in a General Election.
You must also be one of the following:
A British, Irish, or qualifying Commonwealth citizen. (You can check here if you're a qualifying Commonwealth citizen)
Be resident at an address in the UK (or a British citizen living abroad who has been registered to vote in the UK in the last 15 years)
Not be legally excluded from voting
According to the website, while registering, "You’ll be asked for your National Insurance number (but you can still register if you do not have one). After you’ve registered, your name and address will appear on the electoral register."
There is also an option to register to vote anonymously "if you're concerned about your name and address appearing on the electoral register for safety reasons." The link to that page is here.
You can register to vote by post by going here and printing out the forms.
If you would like a step-by-step guide to registering to vote, here is a page that has a pdf doing just that. It is also available in Welsh.
2. Get a Photo ID
We now need to show a photo ID when turning up to the polls.
Here is a list of valid forms of photo ID.
Make sure you give yourself plenty of time to get a valid ID, otherwise you will be turned away from the polling station.
If you vote by proxy, you need to "take your own ID when you go to vote on someone else’s behalf. You do not need to take theirs."
According to the website, "The name on your ID must match your name on the electoral register. If it does not, you’ll need to:
register to vote again with your new details
take a document with you to vote that proves you’ve changed your name (for example, a marriage certificate)
Small differences do not matter. For example, if your ID says ‘Jim Smith’ instead of ‘James Smith’.
If you do not have a type of photo ID that allows you to vote, you can apply for a Voter Authority Certificate."
3. You need to apply to vote by post
You can apply here.
You need to be registered before applying.
To apply you need:
"The address where you are registered to vote
Your National Insurance number or other identity documents, e.g. a passport
the specific date of the election or referendum you want to make a postal vote, if you only want a one-off postal vote
You’ll also need to upload a photo of your handwritten signature in black ink on plain white paper.
If you cannot provide a signature or one that always looks the same, you may be able to apply for a postal vote signature waiver within the service.
You might be asked for extra documents to identify you."
The linked page has an option for downloading an application form to send in by post.
4. Start Researching!
Think back to the last few years.
What did you like, and who did them? What about the opposite?
Is there something local happening in your area, and who is pushing for/against it?
Look up the parties' social media - what do they promote, promise, and call out?
Here are some resources:
An overview of the political parties
BBC News page for current politics
How many MPs are in which parties
Information on General Elections/when ours will likely be held
The other key political events in 2024
General info around voting, elections, boundary changes, etc.
TL;DR
2024 Will likely be the year the UK votes for the next political party in charge.
You need to register to vote.
You need a photo ID to take with you.
You need to apply to vote by post.
The best time to start looking into the parties and what they do is now, so you can be informed later on.
The rest of the world is welcome to share this!
#politics#uk politics#british politics#general election#general election 2024#uk#britain#written in stone
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The Sign of the Four: The Statement of the Case
CW for the end of this as it includes discussions of child murder and detailed discussions of capital punishment.
Turbans have never been particularly common in the United Kingdom; these days, they are most likely to be worn by West African women or those who are undergoing chemotherapy.
It was the norm for a married woman to be referred to as "Mrs. [husband's name]", especially on something like a dinner invite. Historically, in the English common law system the United States also uses, a woman's legal identity was subsumed by her husband on marriage, in something called coverture. In some cases, a woman who ran her own business could be treated as legally single (a femme sole) and so sue someone - or be sued. This practice was gradually abolished, but did fully end until the 1970s.
@myemuisemo has excellently covered the reasons why Mary would have been sent back to the UK.
As you were looking at a rather long trip to and from India, even with the Suez Canal open by 1878, long leave like this would have been commonplace.
The Andaman Islands are an archipelago SW of what is now Myanmar and was then called Burma. The indigenous Andamanese lived pretty much an isolated experience until the late 19th century when the British showed up. The locals were pretty hostile to outsiders; shipwrecked crews were often attacked and killed in the 1830s and 1840s, the place getting a reputation for cannibalism.
The British eventually managed to conquer the place and combine its administration with the Nicobar Islands. Most of the native population would be wiped out via outside disease and loss of territory; they now number around 500 people. The Indian government, who took over the area on independence, now legally protect the remaining tribespeople, restricting or banning access to much of the area.
Of particular note are the Sentinelese of North Sentinel Island, who have made abundantly clear that they do not want outside contact. This is probably due to the British in the late 1800s, who kidnapped some of them and took them to Port Blair. The adults died of disease and the children were returned with gifts... possibly of the deadly sort. Various attempts by the Indian government (who legally claimed the island in 1970 via dropping a marker off) and anthropologists to contact them have generally not gone well, with the islanders' response frequently being of the arrow-firing variety. Eventually, via this and NGO pressure, most people got the hint and the Indian government outright banned visits to the island.
In 2004, after the Asian tsunami that killed over 2,000 people in the archipelago, the Indian Coast Guard sent over a helicopter to check the inhabitants were OK. They made clear they were via - guess what - firing arrows at the helicopter. Most of the people killed were locals and tourists; the indigenous tribes knew "earthquake equals possible tsunami" and had headed for higher ground.
In 2006, an Indian crab harvesting boat drifted onto the island; both of the crew were killed and buried.
In 2018, an American evangelical missionary called John Allen Chau illegally went to the island, aiming to convert the locals to Christianity. He ended up as a Darwin Award winner and the Indians gave up attempts to recover his body.
The first British penal colony in the area was established in 1789 by the Bengalese but shut down in 1796 due to a high rate of disease and death. The second was set up in 1857 and remained in operation until 1947.
People poisoning children for the insurance money was a sadly rather common occurrence in the Victorian era to the point that people cracked jokes about it if a child was enrolled in a burial society i.e. where people paid in money to cover funeral expenses and to pay out on someone's death.
The most infamous of these was Mary Ann Cotton from Durham, who is believed to have murdered 21 people, including three of her four husbands and 11 of her 13 children so she could get the payouts. She was arrested in July 1872 and charged with the murder of her stepson, Charles Edward Cotton, who had been exhumed after his attending doctor kept bodily samples and found traces of arsenic. After a delay for her to give birth to her final child in prison and a row in London over the choice the Attorney General (legally responsible for the prosecution of poisoning cases) had made for the prosecuting counsel, she was convicted in March 1973 of the murder and sentenced to death, the jury coming back after just 90 minutes. The standard Victorian practice was for any further legal action to be dropped after a capital conviction, as hanging would come pretty quickly.
Cotton was hanged at Durham County Goal that same month. Instead of her neck being broken, she slowly strangled to death as the rope had been made too short, possibly deliberately.
Then again, the hangman was William Calcraft, who had started off flogging juvenille offenders at Newgate Prison. Calcraft hanged an estimated 450 people over a 45-year career and developed quite a reputation for incompetence or sadism (historians debate this) due to his use of short drops. On several occasions, he would have to go down into the pit and pull on the condemned person's legs to speed up their death. In a triple hanging in 1867 of three Fenian who had murdered a police officer, one died instantly but the other two didn't. Calcraft went down and finished one of them off to the horror of officiating priest Father Gadd, who refused to let him do the same to the third and held the man's hand for 45 minutes until it was over. There was also his very public 1856 botch that led to the pinioning of the condemned's legs to become standard practice.
Calcraft also engaged in the then-common and legal practice of selling off the rope and the condemned person's clothing to make extra money. The latter would got straight to Madame Tussaud's for the latest addition to the Chamber of Horrors. Eventually, he would be pensioned off in 1874 aged 73 after increasingly negative press comment.
The Martyrdom of Man was a secular "universal" history of the Western World, published in 1872.
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Living in London, I feel like a lot of incidents are isolated attacks that you dont hear about as opposed to organised riots. Whilst there have been some riots in the more conservative areas (like Walthamstow and Chingford) and more towards Central, in East London especially, I've experienced and heard of isolated anti-immigrant/muslim 'attacks' where it's one or two people that are perpetrators.
East London is the MOST multicultural place you'll find, but my dad's car was kicked in by some white guys literally two days ago. Thank God he was already in the car and was able to drive off, but I've found that it's mostly incidents like these.
In Whitechapel, which is literally full to the brim with Muslims, a young girls hijab was ripped off a month or two ago. Whilst I don't live in Whitechapel, me and my mum have been called nasty names to the point where my mum didn't feel like it was safe wearing her face veil anymore. Islamic private schools have been subjected to attacks as well and generally havent been perceived well, but this is nothing new. It's been happening for years, but you don't really hear about them because it's isolated incidents. I only know because I've been in those spaces and environments and have experienced it personally.
Loads of my friends don't feel like it's safe to go out being women because of the new wave of anti-muslim/poc sentiment and people mainly targeting women. Again, whilst this is nothing new from my experience of being born and raised in London, the anti-muslim/immigrant sentiment has only grown, and certain individuals are feeling braver because of the nationwide riots.
But there's a sense of community in London because of its multiculturalism that other places up North and around the UK don't have. Where you have some people committing hate crimes, you have others that are staunchly outspoken against it and that are really supportive, which I'm forever grateful for. My neighbours are absolutely wonderful, and I know that I'm completely safe with them, I know that if anything was to happen, I'd have people supporting me.
Its weird though because London is one of those places where you'll find there are extremely wealthy areas right next to some of the most destitute places, driving through Bow Road/Mile End Road/Whitechapel Road to Aldgate is a perfect example of that, you can see where it immediately changes and switches up. Same with Hackney and Shoreditch, you walk for 5-10 minutes, and it's like you've entered a whole new realm, likewise with Canary Wharf. It's kind of dystopian, tbh and literally, all the new buildings being built are high-rise 2/3 bedroom flats that obviously aren't for families.
It's like the with the new architecture too is trying to push families out. Alongside the serious underfunding of government facilities like public libraries and gyms. Over the past couple of years, dozens of libraries across have been closed, and public gyms have been sold off to private organisations. Youth facilities are horrendous, too. I've gone completely off on a tangent here, and I do apologise. But I just think it's so crazy that London has some of the poorest areas in the whole UK with poverty being at 25% I think (correct me if I'm wrong) just after the North and West Midlands which is around 28%.
I really shouldn't complain because I know in London we are so fortunate to have such an interconnected train/tube system and that our health care and schools are much more funded than those outside of London. But with more business and wealthier people coming in, the costs in London are increasing so much more disproportionately to wages.
My mum works in the NHS, and what the government did is before increasing the London living wage, they increased the NHS staff wages by 5%, compared to the London living wage by 10%. The NHS HCAS didn't increase, however, and stayed the same. On top of that, NHS staff are subjected to higher national insurances. I think it's just ridiculous. Anyways, I apologise for the long and rambling ask, and I totally lost focus. I hope you have an amazing day, and there's no pressure to answer this whatsoever <33
Nothing further to add here, as I'm not that familiar with London - call it a northerner's suspicion - but will definitely provide further insight to people less familiar with the UK.
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#loans#short term loans uk#personal loans#same day payday loans#insurance#mortgage#business loan#thor ragnarok#home loan#budget
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In defense of Deliverism
There are many ways to slice up the coalition that is the Democratic Party, but one important axis are the self-styled adults-in-the-room, who declare themselves to be realists, and the party's left wing, who are dismissed as idealists who don't understand politics: neither how to win elections nor how to wield power.
The "realists" are the ones telling us that we can't have nice things. They say that if the Dems promise bold action - protecting abortion, controlling assault weapons, funding infrastructure, raising the minimum wage, providing health care - they will lose elections. When Dems do win elections, they insist that none of these things are possible: the Supreme Court will strike them down, or the GOP will filibuster them, or the business lobby will subvert them.
For these realists, every negotiation is a grand bargain in which all the grownups meet in smoke-filled rooms where they niggle and cajole and flatter their way into tiny, incremental policy changes, "signature achievements" that are so modest that the enemy can't possibly weaponize them as the deeds of radical socialists who will bring the country to ruin.
To do otherwise, the realists say, is to court catastrophe. Wielding power will destroy the "comity" that makes the legislature effective. It will "delegitimize" the institutions whose trustworthiness is key to enacting sound policy. When they go low, we must go high - not out of a sense of decorum, but to preserve the republic itself.
This kind of politics - the "triangulation" politics beloved of the consultant class - took over the Democratic Party in the Bill Clinton years (see also: UK Labour under Tony Blair). But its foremost practitioner - the Triangulation GOAT - was Barack Obama.
Obama's inside/outside game was indeed remarkable. He assembled and steered a massive, grassroots get-out-the-vote campaign that leveraged his skills as a once-in-a-generation orator to inspire huge numbers of historical nonvoters to show up and cast their ballot (recall that nearly every US election is won by "none of the above," so GOTV is a winning strategy, if you can pull it off).
Then, after the election, he switched off that grassroots.
Literally.
At the time, Obama's grassroots was the most successful netroots in history. Talented coders and digital strategists figured out how to leverage the internet to identify, mobilize and coordinate volunteers across the country. And while netroots activists did their work across the whole internet, their home base was a server the Obama campaign controlled. Once Obama won, they switched that server off.
You see, the rabble is useful when you're out there, trying to turn voters out to the polls. But if you plan to spend your term in office playing eleven dimensional chess, you don't want the mob jostling your elbow and shouting in your ear.
If FDR's (possibly apocryphal) motto was "I want to do it, now make me do it"; Obama's was "I want to do it, now go away." Rather than surrounding himself with the great unwashed, Obama created a cabinet of technocrats, grownups from the upper ranks of industry and the consultant class.
Think of Tim Geithner, Obama's Treasury Secretary, who counseled that the banks should be bailed out with no strings attached, not even a requirement that they halt the seizure and liquidation of swathes of Americans' family homes. When Geithner told Obama he had to "foam the runway" for the crashing banks with the roofs over everyday Americans' heads, there were no grassroots organizers foaming at the mouth in outrage. Thus did Obama end the Great Financial Crisis - by creating the Great Foreclosure Crisis:
https://pluralistic.net/2023/03/06/personnel-are-policy/#janice-eberly
But Obama's signature achievement wasn't his economic policy - it was his healthcare policy. The Affordable Care Act was a carefully triangulated compromise, one that guaranteed a massive flow of public cash to America's wildly profitable health insurance monopoly and steered clear of any socialist whiff that Americans would get their care from the government.
The ACA was an technocrat's iron-clad dream policy. It would work! After all, it "aligned the incentives" of healthcare investors and "harnessed markets" to drive efficiency. No one could accuse this policy - which was copypasted from former Massachusetts governor Mitt Romney's RomneyCare - of being "socialist." It was invented by a Bain Capital consultant!
Sure, the left would carp about Medicare For All and whine about the unjust enrichment of insurance barons. And sure, the right would try to convince "low information voter" lumpenproles that the individual mandate was an imposition on their Freedumb (TM), but in the end, more of us would get covered, prices would come down, and America would flourish.
That's not how it worked out. Prior to ACA's passage, 85% of Americans had health insurance. Today, it's 90%. That's not nothing! 5% of the US is more than 16m people. But what about the 85% - 282m people - who were insured before the ACA? Their insurance costs have doubled - from an average of $15,609 for a family of four in 2009 to $30,260 today. Obama promised that ACA would lower the average family's insurance bill by $2,500/year - but instead, insurance costs increased by some $15,000.
ACA wasn't just about cost, though: it was supposed to end discrimination, by forcing insurers to take on customers without regard to their "pre-existing conditions." On this score, too, Obamacare has failed: thanks to the ACA's tolerance for high-deductible plans, the number of Americans enrolled in plans that force them to pay for their chronic care out of pocket has skyrocketed from 7% to 32%. Yes, your insurer can't discriminate against you for having diabetes, but they can make you pay an extra $2,000 in deductibles every year before covering any of your diabetes care.
Now, maybe business-as-usual would have been even worse. Perhaps not passing the ACA would have left Americans poorer and sicker. But we're not comparing ACA with doing nothing - we're comparing ACA with more muscular, direct programs, like M4A. What if Obama had enlisted his grassroots, summoning up a left-wing answer to the Tea Party that turned the GOP into the party of no (including no compromises)? What if he'd jettisoned comity, appointed new judges, sent every executive order the Supreme Court rejected back to the court to be struck down again?
What if he'd governed like Lincoln, or FDR:
https://pluralistic.net/2020/09/20/judicial-equilibria/#pack-the-court
There's a name for this kind of politics: it's called deliverism:
https://prospect.org/politics/case-for-deliverism/
Deliverism is the idea that if you promise things to the voters, they will vote for you. It's the idea that if you deliver things to the electorate, that they will re-elect you.
Deliverism is a subject of hot debate in the Democratic Party, because Biden is an empty vessel that gets filled by different party factions, which means that his policy is incoherent, but includes some of the muscular, get-stuff-done politics of the Dems' Warren-Sanders wing, but that agenda is often undermined by the "responsible grownup" do-nothing Schumer wing.
The responsible grownups say that deliverism is dead, because voters mostly respond to hot-button cultural issues, while material improvements in their lives barely move the needle:
https://democracyjournal.org/arguments/the-death-of-deliverism/
In support of this proposition, deliverism's critics point to Obamacare, lauding it as a policy that made Americans better off, but still failed to win enough support for the Dems to defeat Trump at the end of Obama's second term.
In their rebuttal in The American Prospect, David Dayen and Matt Stoller point out that for most Americans, Obamacare didn't produce any improvement to their health care. The ACA made their care far more expensive, and the ensuing concentration across the sector (mergers between insurers, and between insurers and pharmacy benefit managers and pharmacies) made their care worse, too:
https://prospect.org/politics/2023-06-27-moving-past-neoliberalism-policy-project/
The rise in health care costs is no mystery: monopolies have taken over healthcare. In particular, healthcare is now the domain of private equity rollups, where a fund buys and merges dozens or hundreds of small businesses:
https://pluralistic.net/2023/01/18/wages-for-housework/#low-wage-workers-vs-poor-consumers
Every layer of the healthcare stack is has grown steadily more concentrated since the Obama years: "Hospitals, doctor’s practices, health insurance, pharmaceuticals, ambulances, nursing homes, rehab facilities." As Stoller and Dayen put it:
> Every part of our health care world is increasingly controlled by greedy bankers who kill people for money.
The same corporate concentration has eroded wages, meaning that workers are paying for higher healthcare cost out of smaller paychecks.
Stoller and Dayen argue that the polls show that politicians who make material improvement to voters' lives do win popularity. Take the Child Tax Credit, which lifted more American children out of poverty than any initiative in history. The majority of voters who received the credit favored the Democrats. After Joe Manchin killed the credit, that support flipped, and that cohort now supports the GOP by a 15% margin.
Sure, Biden couldn't order Manchin to support the Child Tax Credit. But he could have gone to WV and campaigned for it with Manchin's base. He could have loaded the bill with pork for WV that was linked to the credit, and dared Manchin to vote against it. He could have "fought dirty" (which is what the grownups call "fighting to win").
The grownups say that if Biden had done that, he might have alienated Manchin and lost future votes, or caused Manchin to run as a Republican in his next election - but that presumes that Manchin won't switch sides anyway, and it presumes that failing to deliver the Child Tax Credit wouldn't also jeopardize the Dems' legislative majority.
The grownups in the Democratic party say we can't win by campaigning on economic issues like monopoly, nor on pocketbook issues like M4A. But when Biden slashed the cost of insulin, his approval numbers shot up.
The grownups' claim that they should steer Democratic electoral strategy is grounded in the idea that they can win elections, and without electoral victories, the Dems can't do anything. The grownups' claim that they should steer Democratic governing strategy is that they can win policy victories, and that these will get the Dems re-elected.
But neither of these claims hold water. Far from being pie-in-the-sky idealists with no theory of change, the party's left is incredibly good at getting stuff done. Take the antitrust enforcers Lina Khan and Jonathan Kanter, as well as the recently departed Tim Wu. They aren't mere idealists - they're brilliant tacticians and proceduralists who have figured out how to use their existing authority to do more than decades of their predecessors combined:
https://pluralistic.net/2022/10/18/administrative-competence/#i-know-stuff
By contrast, the grownups in the party - people like Pete Buttigieg - have notably, repeatedly failed to master the procedural technicalities needed to exercise comparable authority. You can't be a technocrat unless you understand the techniques:
https://pluralistic.net/2023/01/10/the-courage-to-govern/#whos-in-charge
As for electoral strategy, the consultant class puts all its focus into eking out these incredibly marginal wins - the name of the game is to guarantee a 50.1% win and then move on to the next fight, which ensures that governing will be impossible. Meanwhile, union organizers like Jane McAlevey seek out 97% majorities for strike votes, in the teeth of voter suppression, gerrymandering, dark money and disinformation campaigns that are far worse than anything we see in a general election. And yet it's the party's labor wing that is smeared as unserious about electoral victories:
https://doctorow.medium.com/a-collective-bargain-a48925f944fe
It's true that the right has been scoring electoral wins with appeals to ideology and identity rather than by promising concrete, material improvements for their supporters' lives. You can win elections that way - but only by demonizing half the country as the enemy and then promising to make their lives miserable.
That doesn't invalidate deliverism as a strategy for winning elections. People may not have the time or interest to follow politics in detail. They may not understand how the ACA's internal technical workings are structured. The ACA has a lot of deficits - for example, it doesn't allow people to discover which insurance companies deny the most claims:
https://www.propublica.org/article/how-often-do-health-insurers-deny-patients-claims
But even if that data were out there, there's only so much attention people can or want to pay to their insurance policies. People want health care that works: that takes care of their illnesses and injuries, without bankrupting them. Something like the VA (at its best). Or Medicare (at its best).
Improving peoples' lives isn't merely good governance - it's also good politics. Playing hardball is hard and can be unpleasant, sure, but most of the risk from taking big swings while in office is that the voters won't stand with you and give you the political capital to score big wins.
"I want to do it, now go away" guarantees that there will be no polity at your side, giving you political capital. The politics of grand bargains only produces unimpressive, incremental change.
For all the failings of the GOP's radical wing (and there are many such failings), there is this one virtue: they get stuff done. The GOP has taken massive swings - seizing the courts, dismantling the administrative states, stacking elections, and siphoning off trillions for its donors:
https://pluralistic.net/2023/06/16/that-boy-aint-right/#dinos-rinos-and-dunnos
The Democrats don't need to copy the GOP's abandonment of material policy for ideological hardlines. Indeed, it shouldn't: when they go low (culture war bullshit), we go high (delivering real benefit to voters). But the Democrats' left wing could sure stand to learn a trick or two from the GOP's right - namely, how to turn "I want to do it, now go away" into "I want to do it, now make me do it."
If you'd like an essay-formatted version of this thread to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:
https://pluralistic.net/2023/07/10/thanks-obama/#triangulation
The Clarion Science Fiction Writers’ Workshop (I’m a grad, instructor and board member) is having its fundraiser auction to help defray tuition. I’ve donated a “Tuckerization” — the right to name a character in a future novel:
https://www.indiegogo.com/projects/clarion-sf-fantasy-writers-workshop-23-campaign/#/
[Image ID: An old fashioned tickertape parade. In an open-top convertible, surrounded by security, is a kicking Democratic Party donkey colored red, white and blue.]
#pluralistic#thanks obama#grand bargains#deliverism#elections#strategy#obamacare#democrats in disarray#consultant class#monopolies#medicare for all#electoral strategy#us politics#m4a#triangulation#aca
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