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mostlysignssomeportents · 6 months

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Your car spies on you and rats you out to insurance companies

I'm on tour with my new, nationally bestselling novel The Bezzle! Catch me TOMORROW (Mar 13) in SAN FRANCISCO with ROBIN SLOAN, then Toronto, NYC, Anaheim, and more!

Another characteristically brilliant Kashmir Hill story for The New York Times reveals another characteristically terrible fact about modern life: your car secretly records fine-grained telemetry about your driving and sells it to data-brokers, who sell it to insurers, who use it as a pretext to gouge you on premiums:

https://www.nytimes.com/2024/03/11/technology/carmakers-driver-tracking-insurance.html

Almost every car manufacturer does this: Hyundai, Nissan, Ford, Chrysler, etc etc:

https://www.repairerdrivennews.com/2020/09/09/ford-state-farm-ford-metromile-honda-verisk-among-insurer-oem-telematics-connections/

This is true whether you own or lease the car, and it's separate from the "black box" your insurer might have offered to you in exchange for a discount on your premiums. In other words, even if you say no to the insurer's carrot – a surveillance-based discount – they've got a stick in reserve: buying your nonconsensually harvested data on the open market.

I've always hated that saying, "If you're not paying for the product, you're the product," the reason being that it posits decent treatment as a customer reward program, like the little ramekin warm nuts first class passengers get before takeoff. Companies don't treat you well when you pay them. Companies treat you well when they fear the consequences of treating you badly.

Take Apple. The company offers Ios users a one-tap opt-out from commercial surveillance, and more than 96% of users opted out. Presumably, the other 4% were either confused or on Facebook's payroll. Apple – and its army of cultists – insist that this proves that our world's woes can be traced to cheapskate "consumers" who expected to get something for nothing by using advertising-supported products.

But here's the kicker: right after Apple blocked all its rivals from spying on its customers, it began secretly spying on those customers! Apple has a rival surveillance ad network, and even if you opt out of commercial surveillance on your Iphone, Apple still secretly spies on you and uses the data to target you for ads:

https://pluralistic.net/2022/11/14/luxury-surveillance/#liar-liar

Even if you're paying for the product, you're still the product – provided the company can get away with treating you as the product. Apple can absolutely get away with treating you as the product, because it lacks the historical constraints that prevented Apple – and other companies – from treating you as the product.

As I described in my McLuhan lecture on enshittification, tech firms can be constrained by four forces:

I. Competition

II. Regulation

III. Self-help

IV. Labor

https://pluralistic.net/2024/01/30/go-nuts-meine-kerle/#ich-bin-ein-bratapfel

When companies have real competitors – when a sector is composed of dozens or hundreds of roughly evenly matched firms – they have to worry that a maltreated customer might move to a rival. 40 years of antitrust neglect means that corporations were able to buy their way to dominance with predatory mergers and pricing, producing today's inbred, Habsburg capitalism. Apple and Google are a mobile duopoly, Google is a search monopoly, etc. It's not just tech! Every sector looks like this:

https://www.openmarketsinstitute.org/learn/monopoly-by-the-numbers

Eliminating competition doesn't just deprive customers of alternatives, it also empowers corporations. Liberated from "wasteful competition," companies in concentrated industries can extract massive profits. Think of how both Apple and Google have "competitively" arrived at the same 30% app tax on app sales and transactions, a rate that's more than 1,000% higher than the transaction fees extracted by the (bloated, price-gouging) credit-card sector:

https://pluralistic.net/2023/06/07/curatorial-vig/#app-tax

But cartels' power goes beyond the size of their warchest. The real source of a cartel's power is the ease with which a small number of companies can arrive at – and stick to – a common lobbying position. That's where "regulatory capture" comes in: the mobile duopoly has an easier time of capturing its regulators because two companies have an easy time agreeing on how to spend their app-tax billions:

https://pluralistic.net/2022/06/05/regulatory-capture/

Apple – and Google, and Facebook, and your car company – can violate your privacy because they aren't constrained regulation, just as Uber can violate its drivers' labor rights and Amazon can violate your consumer rights. The tech cartels have captured their regulators and convinced them that the law doesn't apply if it's being broken via an app:

https://pluralistic.net/2023/04/18/cursed-are-the-sausagemakers/#how-the-parties-get-to-yes

In other words, Apple can spy on you because it's allowed to spy on you. America's last consumer privacy law was passed in 1988, and it bans video-store clerks from leaking your VHS rental history. Congress has taken no action on consumer privacy since the Reagan years:

https://www.eff.org/tags/video-privacy-protection-act

But tech has some special enshittification-resistant characteristics. The most important of these is interoperability: the fact that computers are universal digital machines that can run any program. HP can design a printer that rejects third-party ink and charge $10,000/gallon for its own colored water, but someone else can write a program that lets you jailbreak your printer so that it accepts any ink cartridge:

https://www.eff.org/deeplinks/2020/11/ink-stained-wretches-battle-soul-digital-freedom-taking-place-inside-your-printer

Tech companies that contemplated enshittifying their products always had to watch over their shoulders for a rival that might offer a disenshittification tool and use that as a wedge between the company and its customers. If you make your website's ads 20% more obnoxious in anticipation of a 2% increase in gross margins, you have to consider the possibility that 40% of your users will google "how do I block ads?" Because the revenue from a user who blocks ads doesn't stay at 100% of the current levels – it drops to zero, forever (no user ever googles "how do I stop blocking ads?").

The majority of web users are running an ad-blocker:

https://doc.searls.com/2023/11/11/how-is-the-worlds-biggest-boycott-doing/

Web operators made them an offer ("free website in exchange for unlimited surveillance and unfettered intrusions") and they made a counteroffer ("how about 'nah'?"):

https://www.eff.org/deeplinks/2019/07/adblocking-how-about-nah

Here's the thing: reverse-engineering an app – or any other IP-encumbered technology – is a legal minefield. Just decompiling an app exposes you to felony prosecution: a five year sentence and a $500k fine for violating Section 1201 of the DMCA. But it's not just the DMCA – modern products are surrounded with high-tech tripwires that allow companies to invoke IP law to prevent competitors from augmenting, recongifuring or adapting their products. When a business says it has "IP," it means that it has arranged its legal affairs to allow it to invoke the power of the state to control its customers, critics and competitors:

https://locusmag.com/2020/09/cory-doctorow-ip/

An "app" is just a web-page skinned in enough IP to make it a crime to add an ad-blocker to it. This is what Jay Freeman calls "felony contempt of business model" and it's everywhere. When companies don't have to worry about users deploying self-help measures to disenshittify their products, they are freed from the constraint that prevents them indulging the impulse to shift value from their customers to themselves.

Apple owes its existence to interoperability – its ability to clone Microsoft Office's file formats for Pages, Numbers and Keynote, which saved the company in the early 2000s – and ever since, it has devoted its existence to making sure no one ever does to Apple what Apple did to Microsoft:

https://www.eff.org/deeplinks/2019/06/adversarial-interoperability-reviving-elegant-weapon-more-civilized-age-slay

Regulatory capture cuts both ways: it's not just about powerful corporations being free to flout the law, it's also about their ability to enlist the law to punish competitors that might constrain their plans for exploiting their workers, customers, suppliers or other stakeholders.

The final historical constraint on tech companies was their own workers. Tech has very low union-density, but that's in part because individual tech workers enjoyed so much bargaining power due to their scarcity. This is why their bosses pampered them with whimsical campuses filled with gourmet cafeterias, fancy gyms and free massages: it allowed tech companies to convince tech workers to work like government mules by flattering them that they were partners on a mission to bring the world to its digital future:

https://pluralistic.net/2023/09/10/the-proletarianization-of-tech-workers/

For tech bosses, this gambit worked well, but failed badly. On the one hand, they were able to get otherwise powerful workers to consent to being "extremely hardcore" by invoking Fobazi Ettarh's spirit of "vocational awe":

https://www.inthelibrarywiththeleadpipe.org/2018/vocational-awe/

On the other hand, when you motivate your workers by appealing to their sense of mission, the downside is that they feel a sense of mission. That means that when you demand that a tech worker enshittifies something they missed their mother's funeral to deliver, they will experience a profound sense of moral injury and refuse, and that worker's bargaining power means that they can make it stick.

Or at least, it did. In this era of mass tech layoffs, when Google can fire 12,000 workers after a $80b stock buyback that would have paid their wages for the next 27 years, tech workers are learning that the answer to "I won't do this and you can't make me" is "don't let the door hit you in the ass on the way out" (AKA "sharpen your blades boys"):

https://techcrunch.com/2022/09/29/elon-musk-texts-discovery-twitter/

With competition, regulation, self-help and labor cleared away, tech firms – and firms that have wrapped their products around the pluripotently malleable core of digital tech, including automotive makers – are no longer constrained from enshittifying their products.

And that's why your car manufacturer has chosen to spy on you and sell your private information to data-brokers and anyone else who wants it. Not because you didn't pay for the product, so you're the product. It's because they can get away with it.

Cars are enshittified. The dozens of chips that auto makers have shoveled into their car design are only incidentally related to delivering a better product. The primary use for those chips is autoenshittification – access to legal strictures ("IP") that allows them to block modifications and repairs that would interfere with the unfettered abuse of their own customers:

https://pluralistic.net/2023/07/24/rent-to-pwn/#kitt-is-a-demon

The fact that it's a felony to reverse-engineer and modify a car's software opens the floodgates to all kinds of shitty scams. Remember when Bay Staters were voting on a ballot measure to impose right-to-repair obligations on automakers in Massachusetts? The only reason they needed to have the law intervene to make right-to-repair viable is that Big Car has figured out that if it encrypts its diagnostic messages, it can felonize third-party diagnosis of a car, because decrypting the messages violates the DMCA:

https://www.eff.org/deeplinks/2013/11/drm-cars-will-drive-consumers-crazy

Big Car figured out that VIN locking – DRM for engine components and subassemblies – can felonize the production and the installation of third-party spare parts:

https://pluralistic.net/2022/05/08/about-those-kill-switched-ukrainian-tractors/

The fact that you can't legally modify your car means that automakers can go back to their pre-2008 ways, when they transformed themselves into unregulated banks that incidentally manufactured the cars they sold subprime loans for. Subprime auto loans – over $1t worth! – absolutely relies on the fact that borrowers' cars can be remotely controlled by lenders. Miss a payment and your car's stereo turns itself on and blares threatening messages at top volume, which you can't turn off. Break the lease agreement that says you won't drive your car over the county line and it will immobilize itself. Try to change any of this software and you'll commit a felony under Section 1201 of the DMCA:

https://pluralistic.net/2021/04/02/innovation-unlocks-markets/#digital-arm-breakers

Tesla, naturally, has the most advanced anti-features. Long before BMW tried to rent you your seat-heater and Mercedes tried to sell you a monthly subscription to your accelerator pedal, Teslas were demon-haunted nightmare cars. Miss a Tesla payment and the car will immobilize itself and lock you out until the repo man arrives, then it will blare its horn and back itself out of its parking spot. If you "buy" the right to fully charge your car's battery or use the features it came with, you don't own them – they're repossessed when your car changes hands, meaning you get less money on the used market because your car's next owner has to buy these features all over again:

https://pluralistic.net/2023/07/28/edison-not-tesla/#demon-haunted-world

And all this DRM allows your car maker to install spyware that you're not allowed to remove. They really tipped their hand on this when the R2R ballot measure was steaming towards an 80% victory, with wall-to-wall scare ads that revealed that your car collects so much information about you that allowing third parties to access it could lead to your murder (no, really!):

https://pluralistic.net/2020/09/03/rip-david-graeber/#rolling-surveillance-platforms

That's why your car spies on you. Because it can. Because the company that made it lacks constraint, be it market-based, legal, technological or its own workforce's ethics.

One common critique of my enshittification hypothesis is that this is "kind of sensible and normal" because "there’s something off in the consumer mindset that we’ve come to believe that the internet should provide us with amazing products, which bring us joy and happiness and we spend hours of the day on, and should ask nothing back in return":

https://freakonomics.com/podcast/how-to-have-great-conversations/

What this criticism misses is that this isn't the companies bargaining to shift some value from us to them. Enshittification happens when a company can seize all that value, without having to bargain, exploiting law and technology and market power over buyers and sellers to unilaterally alter the way the products and services we rely on work.

A company that doesn't have to fear competitors, regulators, jailbreaking or workers' refusal to enshittify its products doesn't have to bargain, it can take. It's the first lesson they teach you in the Darth Vader MBA: "I am altering the deal. Pray I don't alter it any further":

https://pluralistic.net/2023/10/26/hit-with-a-brick/#graceful-failure

Your car spying on you isn't down to your belief that your carmaker "should provide you with amazing products, which brings your joy and happiness you spend hours of the day on, and should ask nothing back in return." It's not because you didn't pay for the product, so now you're the product. It's because they can get away with it.

The consequences of this spying go much further than mere insurance premium hikes, too. Car telemetry sits at the top of the funnel that the unbelievably sleazy data broker industry uses to collect and sell our data. These are the same companies that sell the fact that you visited an abortion clinic to marketers, bounty hunters, advertisers, or vengeful family members pretending to be one of those:

https://pluralistic.net/2022/05/07/safegraph-spies-and-lies/#theres-no-i-in-uterus

Decades of pro-monopoly policy led to widespread regulatory capture. Corporate cartels use the monopoly profits they extract from us to pay for regulatory inaction, allowing them to extract more profits.

But when it comes to privacy, that period of unchecked corporate power might be coming to an end. The lack of privacy regulation is at the root of so many problems that a pro-privacy movement has an unstoppable constituency working in its favor.

At EFF, we call this "privacy first." Whether you're worried about grifters targeting vulnerable people with conspiracy theories, or teens being targeted with media that harms their mental health, or Americans being spied on by foreign governments, or cops using commercial surveillance data to round up protesters, or your car selling your data to insurance companies, passing that long-overdue privacy legislation would turn off the taps for the data powering all these harms:

https://www.eff.org/wp/privacy-first-better-way-address-online-harms

Traditional economics fails because it thinks about markets without thinking about power. Monopolies lead to more than market power: they produce regulatory capture, power over workers, and state capture, which felonizes competition through IP law. The story that our problems stem from the fact that we just don't spend enough money, or buy the wrong products, only makes sense if you willfully ignore the power that corporations exert over our lives. It's nice to think that you can shop your way out of a monopoly, because that's a lot easier than voting your way out of a monopoly, but no matter how many times you vote with your wallet, the cartels that control the market will always win:

https://pluralistic.net/2024/03/05/the-map-is-not-the-territory/#apor-locksmith

Name your price for 18 of my DRM-free ebooks and support the Electronic Frontier Foundation with the Humble Cory Doctorow Bundle.

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/03/12/market-failure/#car-wars

Image: Cryteria (modified) https://commons.wikimedia.org/wiki/File:HAL9000.svg

CC BY 3.0 https://creativecommons.org/licenses/by/3.0/deed.en

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rboooks · 1 year

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The bakery is a front!...right? Part 3

Danny carefully finished the last details on a special order cake done by his newest and likely most crucial customer should the man like his pastries.

Bruce Wayne's butler was to arrive in twenty minutes for his youngest son's birthday cake. It was a staking tower and three smaller stacks, each depicting a cow on a farm, and a cat sleeping with a dog in the middle of a leap. Damian had asked for a cake that showed all his pets but was vegan.

It was an honestly fun order even if he didn't quite understand the special instructions.

"Damian's school friends mention a fun new "suger energy" coming from this bakery. I want him not to be seen as someone out of touch, so please make sure to add that in," Bruce Wayne said over the phone to a shocked Danny a week prior. If he got Wayne's attention, then soon his bakery would be the newest hot spot in Gotham!

It would be the perfect cover for bringing over more funds from his Ghost Vault and expanding. He could help many more people with employment without bringing the pesky IRS on his head for having unexplainable cash.

Sometimes doing everything by the book was a headache and a half, but if there was one thing Fentons knew how to do, was make their business significantly legal. How else would his parents file taxes for "ghost hunting?"

Handsome possible mate is near. Phantom purred in his mind while Danny spun the cake one last time to ensure everything was in order.

Sure enough Alvin appears at the kitchen door, not quite within the room, staring

. Danny has no problems with who is in his kitchen, but Andres insisted only kitchen staff needed to be back here. Apparently, they didn't have enough legroom to add more people, taking up unnecessary space.

And Andres had a strange urge to keep all their recipes a secret. It was not uncommon in Gotham for big corporations to send in spies and cause small businesses to go bankrupt when selling their secerts.

Danny, knows he's a good baker, has since he was a child. Even before his move, he could convince other ghosts Rogues to stop mid-fight for a snack break because his creations were tasty. While his original recipes falling into the hands of greedy rich men made him squirm, it was primarily due to someone taking credit for his work rather than any funds lost to them.

So after a while, he agreed to Andres' demands and promoted him to store manager. It was easier to have someone from Gotham run a Gotham shop. It left Danny with more time to bake and keep a eye on the community's recovery.

He was so happy to see that overdoses had gone down by nearly sixty percent since he opened. The homeless population had decreased by forty percent, and overall crime in his area had been a good twenty percent.

It was good to see how he was protecting his haunt.

"Danny" Alvin called after a moment. "Do you need help?"

Now, Alvin is a great guy, cute too but he couldn't decorate a cupcake to save his life. His bother was a better hand in the kitchen.

Bring him to our nessssstttt Phantom urged with a shocking wave of want, almost having Danny tumble over. Ugh, his mating season is getting out of hand.

He had seen Frostbite last week about it, but the yeti told him it was perfectly natural for ecto-beings. He would start to stabilize soon, and hopefully, Phantom would no longer be tripping over its tail to get a significant other and start a family.

His nesting problem only grew recently. Now Danny owned every building on the block- primarily due to the facilities being old businesses that went bankrupt years ago and made it super cheap after sitting there for years collecting dust. He had realized that kids didn't feel safe with adults, so a new building went up for homeless adults on his other side. Then he realized that they could benefit from a laundry place which happened to be one of the businesses that went under.

He got that remodeled and threw more goons into it. Scarecrow's old goons had gotten the word out that Danny paid well, gave excellent benefits, and working for him had the less likely chance of getting their face smashed in. Then a homeless kid asked Danny if he could borrow his bathroom because the temporary ones in the side buildings were small and cold, and the kid really missed splashing around in a tub instead of a shower. He realized he also needed to offer that. So one of the buildings was turned into a bathhouse, with rentable personal spa rooms for regular citizens. Now a community laundromat and bathhouse were open at all hours, helping stop the spread of diseases with good hygiene.

Of course, Danny had to make it seem like the money for all of this came from somewhere. He contacted Vlad, whose status as a billionaire made it easy to wire him the funds. When asked, Vlad would only mention trying to get into his step-kids good side.

He still had plenty of street kids doing bakery deliveries for him, but now he had more space to give them a actually apartment. He of course never ask for commitment and they never gave it to him.

He had a few families approach him to rest out the other buildings for business and he was excited to see different restaurants and cafes blooming to life around him. This whole street, once a dead sad thing, was becoming colorful because of him.

'I'm fine thank you Alvin" Danny says shooting the younger man a grin. Alvin face heats up and Phantom is practically beating its head against a wall. Screaming, crying as Alvin plays with bit of his hair at the bottom of his neck.

Danny swallows down the urge run his fingers through it, focusing on his human side as hard as he could.

"Is that the cake with the special ingredient? The one you send the street kids on deliverieswith?" Alvin asks after a moment pause.

"Sure is. Hopefully, we can get the Wayne's hooked on it. It'll be great for business." Danny smiles. There is a split second where Alvin's face tightens around the mouth like he's angry before it's gone.

"Yeah, I bet. Though with the help of Masters, we won't have to worry about funds for a while, right?"

Putting his tools in the sink to soak, the baker shrugs. "Vlad will help but only after he sees potential in something. The set up I have going got his attention cause of our special ingredient. He's dabbled with it before, you know? That's how he got rich"

Alvin jerks his head in his direction. "So he's an expert?"

"More than an expert. He's the main reason we have so much of this stuff to push. I wouldn't be able to get it on my own without his help," Danny says, absent minded. He's busy trying to beat Phantom back with a stick as his ghost side whines for a child of their own.

He's not going to date any of his employees. That's a weird power imbalance that Jazz would never approve of.

Maybe he should take some time away from the bakery for a while. Danny couldn't find true love if he was always working. He'll ask Tucker and Sam to come to some clubs or something. It could be fun.

I want a baby! Phantom sneered outrage that his demands have been ignored.

Soon Danny promised I'd eat two whole bagels later in the meantime.

"Masters is our leading supplier, and he just lets us manage his goods without instruction? Isn't that a bit unorthodox?

Danny blinks " I guess? Vlad's always done some unorthodox deals. His giving me complete control will likely keep him out of the picture once someone catches on. Gosh, sometimes I wish I got out of the family business as my sisters did, but one of us had done this, or our parents would be unbearable."

Alvin Draper looks sadden "Your parents pushed you into this life?"

"Raised me in it," Danny corrects "My dad and I made his special Fruge for the first time when I was three. Been hooked ever since."

Just then Peter is there looking horror stuck "Your old man got you hooked at age three?"

"Yeah?"

"Why do you keep doing it then?"

"The baking? Well, it's ugh part of me now. I'll die of I stop- er die completely. "

Alvin snatched his hand to tug him close, and wow, he was stronger than he looked for a nineteen-year-old. Phantom woofs as the man practically lefts him off the floor to set him on the counter and stare into his eyes. "You don't have to live like this anymore. Let me help you. Let me protect you"

Both Danny and Phantom chock on their shared spit at the best flirting method anyone could use against a protective spirit.

The promise of protection was like someone whispering sweet nothings in his ear during love making.

"I got to go!" He screams jumping away from the brothers to run out of his own bakery in a panic.

Goodness. I need a vacation. Maybe my sisters would be down for some ectoplasm collecting in the Ghost Zone?

(Jason and Tim take the cake for Damian back to the cave, swearing when the test come back as a regular vegan cake. Had Tim stepped in too early and stop Danny from adding the drug?

Jason was angry that Danny was just another kid the adult around him failed. But now Danny was one of those adults, and it's killed him to admit it, but he would still shoot Danny in order to stop the cycle.

Bruce, after confirming the cake was delicate, shared a slice with his youngest, who adored the flavor. It was the best cake he's ever had. Such a waste of talent on crime.

At least the Bats had a new lead. Vlad Masters and his mysterious rise to wealth. They would get him and Danny off the streets.

Danny is miles away, fanning his blushing face as his sister demands more information of the cute baker boy that knew how to flirt with protection ghosts. )

( Part 1) (Part 2), (Part 4)

#dc x dp crossover #the bakery is a front!...right?#part 3 #Danny just digging himself a bigger hole #he thinks everyone made fudge with thier dads and ectoplasim is a special ingredient #Tim just made himself super hot to both human abd ghost Danny

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afloweroutofstone · 1 month

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Would love to hear more about your personal take on Walz, if you feel like it.

He's the most progressive of the Boring White Guys who were on Harris' shortlist for VP. To be fair, he's not actually that progressive himself— his record in congress was quite moderate, and he's generally seen as being more moderate than the Democrats in the Minnesota state legislature. But this image as a Normie Democrat can actually pair quite well with his record of progressive accomplishments in office. The stuff he's signed into law while governor has been absolutely incredible, arguably enough to make him the best governor in the country right now (even if the hard work behind most of these reforms came from state legislators to his left).

This is the gubernatorial record that Walz can run on: protecting abortion rights, universal school meals, guaranteed paid leave, legalizing weed, a plan for 100% renewable energy, banning LGBTQ conversion therapy, free college for families earning less than $80,000, automatic voter registration, increasing spending for public schools, universal gun background checks, expanding public transit, strengthening workers' rights, improving infrastructure, new public housing, (underwhelming) police reform, banning non-compete agreements, a strong child tax credit, and more. To compare, Harris' other top choice was a guy who compared pro-Palestine protesters to the KKK, likes charter schools, and wants to cut his state's corporate tax rates. You can see why progressives are happy with Walz as the outcome.

Also Walz does seem to have an electable personality IMO, what little I've seen of him makes him look like a good messenger. VP picks don't really matter that much, but he seems like a good choice if they're looking for someone to wipe the floor with Vance in the debate.

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robertreich · 4 months

Video

youtube

The Truth About Trumponomics

Trump and Republicans want to wreck your bank account. Here are 5 things you need to know about Trumponomics.

1.Trump wants tax cuts for the rich, at your expense.

Trump’s tax cuts for the rich and big corporations added about $1.7 trillion to the national debt, with few benefits trickling down to the middle class — in fact, it raised taxes for more than 10 million American families.

Now Trump and Republicans want to make the tax cuts for the rich permanent, blowing up the debt even further. And then they’ll use that debt to justify this:

2. Trump would cut Social Security and Medicare — programs you’ve been paying into!

In every year of his presidency, Trump submitted a budget that tried to cut Social Security and Medicare. And he knows that’s the only way he can even begin to pay for extending his tax cuts for the rich.

3. Trump and his allies are pro-junk fee.

When the Biden administration issued a rule capping credit card late fees at $8, Sen. Tim Scott, a Trump surrogate, tried to overturn it in the Senate. And then a Trump-appointed judge issued a temporary injunction that blocked the rule from taking effect. Eliminating that rule would cost American families an estimated $10 billion a year.

And when the Biden administration required airlines to issue automatic refunds for canceled flights, Trump’s allies in Congress fought to block that too.

When Trump was in office, his administration fought against efforts to rein in airline junk fees.

Corporations nickel and diming us like this makes inflation worse. If Trump gets back in the White House, buckle up for more junk fees.

4. Trump would send health care costs soaring.

Republicans have committed to repealing the Inflation Reduction Act, which would strip Medicare of the ability to negotiate drug prices, and let Big Pharma send the price of insulin and other life-saving medicines back through the roof.

And Trump is still fixated on repealing Obamacare, with no plan to replace it.

TRUMP: Obamacare is a disaster. We’re gonna do something about it.

That would strip coverage from tens of millions of Americans, drive up premiums, and let insurers charge more or deny coverage to people with preexisting conditions.

5, If you’ve got student debt, you’re out of luck with Trump.

In contrast to President Biden, who’s canceled more than $160 billion of student debt so far, Trump is against student debt relief. In his first term, he tried to eliminate the popular Public Service Loan Forgiveness program for people like teachers and nurses, and he’s called the idea of debt relief “unfair.”

What’s unfair, is how student debt hurts not just the roughly 40 million Americans burdened by it, but the entire economy, since Americans with debt have less money to spend, are less likely to start a business, less likely to buy a home, and more likely to rely on government assistance.

The MAGA agenda would make nearly every aspect of your life more expensive, while making the richest Americans even richer.

Teddy Roosevelt’s economic plan was called the Square Deal. Franklin Roosevelt’s was the New Deal.

What Trump is offering is simply a Raw Deal.

#youtube #economics #Trump #Biden #politics #video #videos

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batboyblog · 8 months

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Things Biden and the Democrats did, this week.

January 19-26 2024

The Energy Department announced its pausing all new liquefied natural gas export facilities. This puts a pause on export terminal in Louisiana which would have been the nation's largest to date. The Department will use the pause to study the climate impact of LNG exports. Environmentalists cheer this as a major win they have long pushed for.

The Transportation Department announced 5 billion dollars for new infrastructure projects. The big ticket item is 1 billion dollars to replace the 60 year old Blatnik Bridge between Superior, Wisconsin, and Duluth, Minnesota which has been dangerous failing since 2017. Other projects include $600 million to replace the 1-5 bridge between Vancouver, Washington, and Portland, Oregon, $427 million for the first offshore wind terminal on the West Coast, $372 million to replace the 90 year old Sagamore Bridge that connects Cape Cod to the mainland,$300 million for the Port of New Orleans, and $142 million to fix the I-376 corridor in Pittsburgh.

the White House Task Force on Reproductive Healthcare Access announced new guidance that requires insurance companies must cover contraceptive medications under the Affordable Care Act. The Biden Administration also took actions to make sure contraceptive medications would be covered under Medicare, Medicaid, CHIP, and Federal Employee Health Benefits Program. HHS has launched a program to educate all patients about their rights to emergency abortion medical care under the Emergency Medical Treatment and Labor Act. This week marks 1 year since President Biden signed a Presidential Memorandum seeking to protect medication abortion and all federal agencies have reported on progress implementing it.

A deal between Democrats and Republicans to restore the expand the Child Tax Credit cleared its first step in Congress by being voted out of the House Ways and Means Committee. The Child Tax Credit would affect 16 million kids in the first year and lift 400,000 out of poverty. The Deal also includes an expansion of the Low-Income Housing Tax Credit which will lead to 200,000 new low income rental units being built, and also tax relief to people affected by natural disasters

The Senate Foreign Relations Committee voted for a bill to allow President Biden to seize $5 billion in Russian central bank assets. Biden froze the assets at the beginning of Russia's war against Ukraine, but under this new bill could distribute these funds to Ukraine, Republican Rand Paul was the only vote against.

The Senate passed the "Train More Nurses Act" seeking to address the critical national shortage of nurses. It aims to increase pathways for LPNs to become RNs as well as a review of all nursing programs nationally to see where improvements can be made

3 more Biden Judges were confirmed, bring the total number of Judges appointed by President Biden to 171. For the first time in history the majority of federal judge nominees have not been white men. Biden has also appointed Public Defenders and civil rights attorneys breaking the model of corporate lawyers usually appointed to life time federal judgeships

#good news #thanks Biden #Joe Biden #Democrats #politics #us politics #climate change #abortion #reproductive rights #child tax credit #judges

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simply-ivanka · 1 month

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How the Biden-Harris Economy Left Most Americans Behind

A government spending boom fueled inflation that has crushed real average incomes.

By The Editorial Board -- Wall Street Journal

Kamala Harris plans to roll out her economic priorities in a speech on Friday, though leaks to the press say not to expect much different than the last four years. That’s bad news because the Biden-Harris economic record has left most Americans worse off than they were four years ago. The evidence is indisputable.

President Biden claims that he inherited the worst economy since the Great Depression, but this isn’t close to true. The economy in January 2021 was fast recovering from the pandemic as vaccines rolled out and state lockdowns eased. GDP grew 34.8% in the third quarter of 2020, 4.2% in the fourth, and 5.2% in the first quarter of 2021. By the end of that first quarter, real GDP had returned to its pre-pandemic high. All Mr. Biden had to do was let the recovery unfold.

Instead, Democrats in March 2021 used Covid relief as a pretext to pass $1.9 trillion in new spending. This was more than double Barack Obama’s 2009 spending bonanza. State and local governments were the biggest beneficiaries, receiving $350 billion in direct aid, $122 billion for K-12 schools and $30 billion for mass transit. Insolvent union pension funds received a $86 billion rescue.

The rest was mostly transfer payments to individuals, including a five-month extension of enhanced unemployment benefits, a $3,600 fully refundable child tax credit, $1,400 stimulus payments per person, sweetened Affordable Care Act subsidies, an increased earned income tax credit including for folks who didn’t work, housing subsidies and so much more.

The handouts discouraged the unemployed from returning to work and fueled consumer spending, which was already primed to surge owing to pent-up savings from the Covid lockdowns and spending under Donald Trump. By mid-2021, Americans had $2.3 trillion in “excess savings” relative to pre-pandemic levels—equivalent to roughly 12.5% of disposable income.

So much money chasing too few goods fueled inflation, which was supercharged by the Federal Reserve’s accommodative policy. Historically low mortgage rates drove up housing prices. The White House blamed “corporate greed” for inflation that peaked at 9.1% in June 2022, even as the spending party in Washington continued.

In November 2021, Congress passed a $1 trillion bill full of green pork and more money for states. Then came the $280 billion Chips Act and Mr. Biden’s Green New Deal—aka the Inflation Reduction Act—which Goldman Sachs estimates will cost $1.2 trillion over a decade. Such heaps of government spending have distorted private investment.

While investment in new factories has grown, spending on research and development and new equipment has slowed. Overall private fixed investment has grown at roughly half the rate under Mr. Biden as it did under Mr. Trump. Manufacturing output remains lower than before the pandemic.

Magnifying market misallocations, the Administration conditioned subsidies on businesses advancing its priorities such as paying union-level wages and providing child care to workers. It also boosted food stamps, expanded eligibility for ObamaCare subsidies and waved away hundreds of billions of dollars in student debt. The result: $5.8 trillion in deficits during Mr. Biden’s first three years—about twice as much as during Donald Trump’s—and the highest inflation in four decades.

Prices have increased by nearly 20% since January 2021, compared to 7.8% during the Trump Presidency. Inflation-adjusted average weekly earnings are down 3.9% since Mr. Biden entered office, compared to an increase of 2.6% during Mr. Trump’s first three years. (Real wages increased much more in 2020, but partly owing to statistical artifacts.)

Higher interest rates are finally bringing inflation under control, which is allowing real wages to rise again. But the Federal Reserve had to raise rates higher than it otherwise would have to offset the monetary and fiscal gusher. The higher rates have pushed up mortgage costs for new home buyers.

Three years of inflation and higher interest rates are stretching American pocketbooks, especially for lower income workers. Seriously delinquent auto loans and credit cards are higher than any time since the immediate aftermath of the 2008-09 recession.

Ms. Harris boasts that the economy has added nearly 16 million jobs during the Biden Presidency—compared to about 6.4 million during Mr. Trump’s first three years. But most of these “new” jobs are backfilling losses from the pandemic lockdowns. The U.S. has fewer jobs than it was on track to add before the pandemic.

What’s more, all the Biden-Harris spending has yielded little economic bang for the taxpayer buck. Washington has borrowed more than $400,000 for every additional job added under Mr. Biden compared to Mr. Trump’s first three years. Most new jobs are concentrated in government, healthcare and social assistance—60% of new jobs in the last year.

Administrative agencies are also creating uncertainty by blitzing businesses with costly regulations—for instance, expanding overtime pay, restricting independent contractors, setting stricter emissions limits on power plants and factories, micro-managing broadband buildout and requiring CO2 emissions calculations in environmental reviews.

The economy is still expanding, but business investment has slowed. And although the affluent are doing relatively well because of buoyant asset prices, surveys show that most Americans feel financially insecure. Thus another political paradox of the Biden-Harris years: Socioeconomic disparities have increased.

Ms. Harris is promising the same economic policies with a shinier countenance. Don’t expect better results.

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sgiandubh · 5 months

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The door faces North

This has been, by far, one of the most complex investigations I have ever done in this fandom, and I am truly sorry for the long wait I had to inflict on many of you & for the uncharacteristic radio silence in DMs and comments. During this peculiar journey, I checked, double-checked and cross-checked as many details as I could and I carefully considered at least two different theories, of which I still think they do not exclude each other. I am now confident enough to make not only an educated guess, but also a daring bet on SRH's next whisky move.

Also, sorry for the length of this post. Truly sorry - think of the completely pulverized night sleep I had to give up, in order to bring this to you.

But first, a word on Marple's obvious PR tip on the Hopetoun Estate refurbishment and distillery old/new project. I am fair game enough to tell you the obvious: her overall recounting of the principals is roughly correct, spare perhaps one or two minor details. Correct, but dry - she limits herself to the technical documentation submitted by Golden Decanters and The Hopetoun Estates Trust to the West Lothian Council for approval. She correctly points out that S is not a visible part of the deal, at this point in time and she does a decent summing up of a very, very, VERY plethoric amount of bureaucratic information. She concludes, and I think she is partially right, that he might be interested in becoming an investor (I am taking things a bit further, though). But in doing so, she focuses on the development phase of the project only: the possible connections with SRH and his own spirits business are less, if at all, obvious.

I am going to give you my view of all this charade and, if I am going to mention (and probably repeat) some things already found by her, I am going to focus on the people: this is where the whole story starts to become remarkably interesting, at least to me. After all, I remember promising you some more clarity. Here's an honest, fair play take.

Little did I know, when I started to write about that (now defunct) company, Midhope Castle Distillery, Ltd (https://www.tumblr.com/sgiandubh/748597198794670080/the-info-provided-above-is-correct-but-outdated?source=share), that my investigation would turn to this:

... for it was to be just an almost random layer of a juggernaut matryoshka of defunct or still active companies, featuring roughly the same people and no less than 6 different name combinations centered around Midhope, Hopetoun, etc.

The following pics will give you an idea - feel free to open them in a separate tab, for clarity . I preferred this synthetic approach, because otherwise you will curse the shite out of me. But it had to be done, with or without Depon, Advil's Greek cousin (and before you ask a graphologist, this is my handwriting, and nobody else's 🙃):

The only explanation for the whole almost frantic Midhope/Hopetoun crisscross/hopscotch (LOL) combos I can think of is two people trying to secure one (several?) credit lines or to attract significant investors for their project and ultimately failing to do so. But I might be wrong (although I doubt that, thank you). Out of this entire maze ( I swear I now have a migraine), there are only two active companies remaining: Golden Decanters Ltd (renamed GD Spirits Ltd, in April 2022) and Midhope Ltd (renamed Skosk Ltd, in July 2023). It is on them I am going to focus my gaze.

GD Spirits Ltd was incorporated in Berwick-upon-Tweed, England (just across the Scottish border), probably for tax reasons, on March 11, 2015, the nature of its business being listed as 'wholesale of wine, beer, spirits, etc.'. It started with a team of two women: Julia Mackenzie-Gillanders and Ann Medlock, whose names we are going to see over and over again in all the eight corporate avatars. Later down the timeline (LOL for three decades and a half), on January 30, 2018, they were briefly (until July 19, 2018) joined by two very interesting professionals: Mrs. Margaret Boswell, an attorney at the very prestigious international law firm Gide Loyrette Nouel (Paris and London offices)...

...and Ken Robertson, former Corporate Affairs Director at Diageo Whisky, a subsidiary of the international Diageo group, one of the major players on the world spirits' market:

The second company, Skosk Ltd, was incorporated in August 2021, in Perth, Scotland, its nature of business being listed as 'distilling, rectifying and blending of spirits', with the clear intention to align with the exacting criteria prescribed by the 2009 Scotch Whisky Regulations:

[ Source: https://en.wikipedia.org/wiki/Scotch_whisky - sorry, I don't have time to wax lyrical on this, and neither do you]

This time, we only meet again the two distillerettes, Gillanders and Medwick. Up until now, at least, nobody else (attorney, former sales executive, whisky expert) has joined the platoon - TBC? I would not speculate and leave all options open.

There is little to 0 transparency on Skosk's financial situation, at the moment and to be honest, it looks very much like S's co-star (hehe)'s Irish business venture...

... but I was a bit more lucky, and the numbers more chatty, as far as GD Spirits was concerned:

Paging all shipper chartered accountants out there, but to me, it doesn't look great, at the moment. Cash is ridiculous, the net worth is hemorrhaging and the current assets are negligible, compared to 2020, when I think they managed to secure one or two credit lines, but not nearly enough for what they needed. Just enough to pay themselves and their external consultants and cover the operating costs, if you ask me.

The revised Planning Statement, of 8 February 2024, posted first by Marple, echoes my initial guess (COVID blew it up, see link to the first post) and the above assessment:

Mark this: 'Discussions are now proceeding with investors and there is a realistic prospect that work will begin in the near future (2024/2025) to implement the permission.' Given that they will start with the road and parking rehabilitation and upgrading, probably overlapping with the distillery building, it would make sense to begin this autumn at the earliest, with the most urgent: access to the site itself.

The initial Planning Statement, dated 9 July 2020 and re-posted on March 21st, 2024, tells a more detailed story. This is part and parcel of the current project as well, since the revision is just pointing out the changes operated, not the entire rest, which remains unchanged. You be the judge:

Also keep in mind this tiny, tiny thing: the Business Plan is 'submitted (...) under Private and Confidential Cover'. See where I am looking?

The initial plan was (and still is) for GD Spirits to produce their own booze, using Midhope's own barley (this is very important for the rest of my theory!). They even offer an overview of the real impact of their project on the local economy:

20 to 38 initial new job creations for a £ 15 to 30 million investment is not 'huge', madam Marple. Cumbernauld is huge. This? This is rather modest, if you ask me. But hey, what do I know about the labor market, right?

That initial Statement tells also the story they want to tell about the genesis of their idea, the scouting for the right location and a couple of other interesting details:

So they are telling us they started to look for the perfect location in 2018 and oh, hello, they found the Hopetoun Estate rather quickly, already starting the pre-planning application consultations as early as July 2019 (don't get me started, please):

If so, then why did they incorporate not one, but two different companies clearly linking them to the Estate (Hopetoun Estate Distillery Ltd and Hopetoun Estate Whiskies Ltd) the same day and as early as May 23rd 2017 (and both dissolved in December 2022), as my above penciled timeline (LOOOOOL) shows? Who is really behind this project and why this entire ballet? It's like me pre-emptively looking for rental properties in (let's randomly guess) Lisbon, when it's just wishful thinking, heavily projecting and with 0 guarantees I will be posted there, right? I mean, I adore and deeply know Lisbon and I would be thrilled to go there. But I am not currently looking for any rental property, just like that, because that would be a #silly, rookie mistake. In their case, I think there's a different situation - again, you be the judge.

A first answer, as to who is really behind that project, was given by the UK media, back in 2020:

How odd, when we know that both Mrs. Boswell, the well-traveled attorney and Mr. Robertson resigned from GD Spirits in July 2018. Do they still say hi to the two distillerettes? Do they quietly keep an eye on the project? Are they silent partners? Business angels? Shareholders? Time to remind you that under UK law, there is 0 visibility on the shareholder's structure of a company. You just see the officers (Director, Secretary, etc), on the Company House website. On an umpteenth, last- second cross-check, it became apparent that Mr. Robertson remained involved in another company of the distillerettes, Hopetoun Estate Whiskies Ltd (yes, the one mentioned above), until its voluntary strike-off, in December 2022.

Their best laid plans do mention OL, and how could it be otherwise? But all this £ 15 to 30 million hullaballoo for 20.000 people only (who counted them and how?), on a seasonal basis?

High-end restaurant, luxury B&B, event spaces, you name it. Interesting, to say the least.

And, for the people in the back, who still think SRH has a 100 years lease at Midhope (Jesus H. Roosevelt Christ, the stupidity!):

This is why he commented as a 'member of the public'. At face value, there is no public involvement into that project. Yet. But it is my belief there is a vested interest in all this, justifying the comment, the visit, those papers rolled in his fist, etc. At first, I thought that was a visit to Lallybroch by the Exec Producer of OL's Season 8, to discuss technicalities - and shared that privately with a wonderful friend only. I mean, why not and still perfectly possible. But then, as I could not sleep tonight and felt guilty to have you all waiting, I started to connect some tiny dots.

Like this one, for a start:

Yes, I know, Marple told you that FIRST, I would not dare say otherwise, because if I did there would be a transcontinental screech. That trademark application was filed at the US Patent and Trade Office in September 2023 and I thought (and still partially do) it was a potential rebranding solution to The Sassenach's EUIPO nightmare (much exaggerated by the fandom's toothbrush experts):

But you also know I am an idiot and I always check people's CVs, when I follow a thread. This morning, the one Distillerette I am particularly interested in is Mrs. Julia Hall-Mackenzie-Gillanders (née Scales) and not like *urv would be.

Her LinkedIn profile is exceptionally talkative, too:

... and a BA (with Honors) in Fashion Design, class of 2005, at the Northumbria University.

The Financial Times article 'From packing boxes to wine deals worth millions', you can read on her LinkedIn page, tells a very interesting story. It is the story of a shy underdog (lots of temple bells clinging, at the moment), who made it by sheer persistence. It starts like this:

'When a painfully shy young woman contacted a fine wine merchant and said ' I have no qualifications- can I help?', she got the job and today is signing deals worth millions of pounds.'

It obviously did ring a bell and if SRH knows she exists (she is married, *urv!), and I dare to speculate he does, it must have struck a deep chord. Would I do business with her? I wouldn't speculate, although I am not very sure. Would he? He'd probably listen very carefully to what she has to pitch, for a start.

And what she has to pitch is also very interesting, in his world. A brief look at the Golden Decanters' website shows a first high-end single malt sourced collection of 4 exceptional expressions already sold out:

And when they mean high-end, they mean gold leaf labelling and all the tralala:

And, some last minute news, too:

Remind me, because I am an old woman, after this white night: wasn't The Sassenach (no comment, we agree to disagree and I am very skeptical), a blend?

We have these dots, then:

Bold Underdog ->spirits business->high-end collection of single malts sold out->business partnership with owners of Midhope Castle, fictional Lallybroch in OL, including a distillery and whisky production with Midhope/Lallybroch barley -> visit by the male lead and spirits entrepreneur (also the fictional Lallybroch laird) to Midhope/Lallybroch and vested interest in the estate's most recent business project....

What if The Sassenach would be included, for a start, in that new Blended Collection? And could it really be fanfic to imagine a future high-end, limited edition, Lallybroch whisky produced at Midhope, with Midhope/Lallybroch barley? It wouldn't be the first time, would it: after all, they did it with that limited tequila batch.

As I said, because I am (remember Someone? LOL) a 'silly cow', I was hoping he wouldn't do it. But my guess is he might very well do exactly that, with those people and under that label.

It's half past eight AM, local time and I need a strong, black coffee.

I rest my case (and I am bracing myself for the screeching). I will answer Anons later, after I come back from the hairdresser's. Appointments must be kept at all costs. Thank you all for your patience.

#boozewars #business #fandom #shitshow

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