#people used to compare dating me to corporal punishment

[sunshineler]

I’m actually having such a meltdown

[canary3d-obsessed]

Restless Rewatch: The Untamed Episode 07 part two

(Masterpost)

Warning: Spoilers for All 50 Episodes!

Lantern Lighting

Now we have the famous lantern scene, where everybody gets to express their character and have dates, ranging from disastrous to delightful, with the objects of their affection. 

Wei Wuxian continues to be ridiculously good at drawing. 

We’ve all seen Lan Wangji’s lovely first smile in the show a million times, so...let’s look at it again!

This scene is important not just because of the smile, but because there’s a distinct shift in the way they talk about their growing relationship. In the pond, it was “come visit me” and “never!” “I want to be your friend” “No need.” Basically Lan Wangji firmly saying no to Wei Wuxian’s offers of friendship.

This time, Wei Wuxian says “let’s do this together” and Lan Wangji says “I’m used to being alone,” which is not actually a No, just an explanation. And WWX says, you can change that. And then Lan Wangji DOES change it, sharing the lantern and the promise with Wei Wuxian.

Whoever painted this flower is even better than Wei Wuxian at plein air painting. 

(more after the cut!)

Everybody’s wishes

Nie Huasang makes a practical wish. Wen Qing prays for her brother and Jiang Cheng notices how she’s like Yanli. Jiang Cheng isn’t very intense about Wen Qing, which could be a sign of his shyness but could also be a sign of his gayness or aceness. After all, later in life he’s an apparently wealthy clan leader who is hot as fuck, and needs an heir, since his nephew is a Jin. But he’s still not married, 16 years after breaking up with and uh, helping to kill and cremate, the girl he liked in summer school.

The Promise We Made Together

Wei Wuxian makes an ultra-idealistic wish/promise while Lan Wangji watches and falls the rest of the way in love with him, and silently makes the same pledge inside his head. Later they will each refer to this as a promise they made together, which is a really super high level of face-reading by Wei Wuxian, to understand that he really is speaking for both of them here.  While making this promise, Lan Wangji brings out his Yin Iron Magic Bag and waves it around in front of everyone, but nobody notices. 

Let’s take a moment to consider *why* this moment is so powerful for Lan Wangji. Lan Wangji is a boy whose emotions are always on the boil. He’s 100% upset all the time, at this age, and he keeps it clamped down all the time. His cultivation level is probably as high as it is partly because of all the work he does in emotion regulation. (note: if you haven’t read all the meta at @howpeacefulislwj​ , go read it; it’s awesome and hilarious)

Wei Wuxian doesn’t GAF about emotion regulation; he just expresses what he feels, all the damn time. 

He is openly bored, lusty, playful, hungry, whiny. He straight up tells Lan Wangji “you’re boring and you have a stick up your ass” as part of saying he wants to be friends; no deference and also no falseness.  

And he can see right through Lan Wangji’s reserve, barging into his loneliness and isolation without any regard for all of his wards. Wards are made to be broken.

(Unrelated note: Young Lan Wangji's rare moments of contentment seem to come from looking at something beautiful--the moon, falling petals, these lanterns, his mirror.)

But Wei Wuxian is also good. Lan Wangji desperately wants to be good. And here’s Wei Wuxian embodying this awful, amazing, tempting alternative path, in which all the interesting things in life get explored thoroughly, all the sweetness and beauty gets consumed unreservedly, all the pain and ugliness gets confronted and endured without hesitation. 

In this moment, Wei Wuxian tells Lan Wangji “you can change,” and then offers up this prayer/promise that is just pure chivarly, speaking straight to Lan Wangji’s heart. Very simply, I want to spend my life doing right. Not 3500 rules; just one.

This infuriating boy, who breaks rules and who flirts indiscriminately and who pushes and pushes and pushes, reveals himself in this moment to be a hero at the beginning of his journey, and Lan Wangji sees it, and his heart goes right over the cliff.

The Girls’ Room

The girl cultivators all rush over to Yanli to get in her business about her betrothal, inspiring Jin Zixuan to act like a jerk to her and get even further onto Wei Wuxian’s bad side. 

Talk Shit, Get Hit

Yanli’s wish was that Wei Wuxian would grow up and be good. He promptly launches his own personal Sunshot campaign, punching her fiancee so hard that the sun falls out of the sky and the previously well-lit scene transitions to full night.

So, in English, “don’t mention it again” is really mild, akin to “I don’t want to talk about it.” Wei Wuxian’s reaction makes it seem like Jin Zixuan said something really shitty, like “don’t you dare mention that woman to me!” So I’m assuming something is being lost in translation. 

Lan Wangji tries to calm him down. He grabs Wei Wuxian’s sexy arm muscle and basically holds it until the Jiangs exit the scene. 

Nie Huaisang has placed himself between the opposing factions, which is unusually direct of him. In the future he’ll stick to being an unindicted co-conspirator when Wei Wuxian starts trouble. 

Ants in my Pants

Lan Wangji thinks kneeling can make Wei Wuxian cry, which is adorable of him. 

He really relishes this opportunity to be a pedantic tool to his new boyfriend that annoying boy he hardly ever touches, and it really doesn’t work out for him, poor lamb.

Jiang Fengmian stops by to show exactly how deep his affection for Wei Wuxian runs, and to give him whiplash from constantly changing parental expectations. In a couple of hours he’ll be laughing over WWX & JC’s hijinks.

Wei Wuxian takes this opportunity to fantasize about bad things happening to the other boy in the fight, which is in no way foreshadowing of anything.

Douche Dads Conference

We now convene this meeting of the douchebag council. Jiang Cheng is also invited even though he’s a prick, not a douche. <--important distinction

This is our first time meeting Clan Leader Jin Guangshan. He's actually the most sensible and best parent in this scene, but his smug self-satisfaction hints at his true nature. This actor, Shen Xiaohai, has been active in cdramas for a long while now. I wonder what he looked like 15 years ago?

...Holy mother of god.

Jiang Fengmian is the worst dad and the worst husband here. His clan believes in letting children do what they want - uhh YOUR child wants to marry Jin Zixuan. “I wrote a letter to her mother, who arranged this marriage.” Uhhh she arranged for her sickly, low-cultivation-level, sweet and vulnerable child to marry the heir of a rich and powerful clan, with a powerful mother-in-law who’s looking forward to loving and protecting her. Basically she’s guaranteed her daughter’s safety and comfort, and even potential happiness, since her husband may learn to appreciate her (and in fact, does, thanks to soup and repeated beatings from WWX).

Mom worked hard and probably spent a fair amount of social capital to achieve this. And you’re going to toss that aside because the boy thinks he’s too good for her? What the everloving fuck, how are you a clan leader in the first place? 

You can see that Jiang Cheng understands all of this and what a terrible choice his father is making here. 

So do the other adults in the room.

Jin Guangshen: our wives are going to kill us

Lan Qiren: I'm looking at a couple of dead men

Jiang Fengmian pointedly won’t listen to Jiang Cheng or let him speak, showing that all his talk about being free is actually bullshit, that only applies to other people’s children.

Jiang Chang vaults off of the deck to tell Wei Wuxian about it. Hottt

Sorry Sis

Wei Wuxian goes to Jiang Yanli to sorta-apologize and sorta ask to be let off the hook for fucking up her engagement, which he absolutely did. He knows it, which is presumably why he bows to her in paperman form while hiding outside.

At no time has Jiang Yanli indicated to anyone that she doesn’t want to marry Jin Zixuan, as far as I can see, or said she wanted to be defended from insults with punching. Look how good SHE is at defending a person from insults, for comparison.

Yin Iron Blah Blah Blah

The senior Lans meet with Jiang Fengmian  to talk about the Yawn Yin Iron. Yawn. 

Jiang Fengmian addresses Lan Xichen as Lan Gongzi, which is adorable, since he is a big boy to everyone else. His family calls him Xichen and other people call him Zewu-Jun.

Farewell and Fuck You

The three Jiang kids come to say goodbye.

Lan Quiren says goodbye with a heap of criticism for Wei Wuxian and the horse he rode in on, and Jiang Fengmian basically says, yep, that’s what he’s like, all right.  

Good thing Wei Ying gets so much verbal abuse at home he doesn’t take it very hard when he finds it in the field. 

Wangji doesn’t say goodbye properly, which will be a recurring theme for the two of them.

I don’t know if this is because he has a problem with goodbyes, or is just being a jerk, or because he’s so bad at lying he doesn’t dare talk to Wei Wuxian lest he reveal his travel plans. 

Indulgent Dad Continues to be the Worst

Jiang Cheng complains at Wei Wuxian for wanting to say goodbye to Lan Wangji, and WWX says he likes him because he is equal to WWX in fighting, whereas JC sucks. JC hits him tries to hit him--gosh, he DOES suck, comparatively. 

Yanli, who has been keeping these boys in line all summer, sighs deeply at her Dad’s tolerance for their hijinks. OP has five brothers and this sibling-hijinks behavior is 100% accurate, except for the part where it is happening at someone else’s house in front of the hosts. 

WWX pretending to be Lan Qiren where Lan Wangji can see him doing it, in front of Lan Qiren’s colleague and supposed friend, and just earning a laugh from the patriarch? Good lord.  Dad Jiang tolerating this is shocking, particularly in the in-show culture where corporal punishment is as common as tea. 

We’ve tried Nothing, and we’re all out of ideas!

Uggghh why are you like this?

Here in the real world, OP uses “positive discipline” with her child, and encourages other parents to consider it, particularly if your child is neuroatypical or asynchronous.  That said, JF should be punishing the crap out of both boys for this behavior every time it happens, or should quit being a clan leader.  He’s relying on Jiang Yanli to keep them in line while he gets to just be amused by them. And he’s letting Lan Qiren discipline Wei Wuxian instead of doing it himself. He suuuuuuucks. 

Lan Wangji watches all of this. Lan Xichen reminds Lan Wangji that without Wei Wuxian, he’s completely fucking miserable. Lan Wangji still doesn’t plan to bring him along on his trip, though.

Time to return to our lives of crushing loneliness

Rabbits

At this same moment when Lan Wangji is staring down the barrel of future loneliness, Wei Wuxian is already deciding to leave the (forbidden) rabbits in Cloud Recesses “In case Lan Zhan gets lonely.”  This small decision by Wei Wuxian - breaking the rules of Cloud Recesses for the millionth time - is kinder than he knows. Because what is the job of these rabbits? Let’s have a desaturated flashback. 

Lan Zhan spent 3 years in the ice cave. The rabbits kept Lan Yi company in the ice cave. So...did the rabbits sneak in to keep Lan Wangji company in the ice cave as well? I’m going to say yes. By ep 43 they are following him to the gate of Cloud Recesses so they are very attached to him.  Well done, Wei Ying.

Where my bitches at? Seriously, our warren needs bitches

(Is Watership Down still a thing people read? If not, just go ahead and assume all of OP’s rabbit jokes are about Watership Down because OP ain’t going to stop making them)

While Wei Wuxian annoys the bunny he has a flashback to the scene that happened 4 minutes earlier. The Untamed editors assume the viewership has the attention span of a goldfish, and I personally appreciate that they understand me so well.

Wei Wuxian figures out that Lan Wangji is going on the road alone, and tells the bunny immediately. The bunny is very concerned.

Writing Prompt: What do next-generation cultivators Lan Sizhui and Lan Jingyi wish for at lantern-lighting time?

[wardensantoineandevka]

Serious questions time (but take your time and gather your thoughts). How do you feel about "rich girl playing at rebelling" Ashe?

Please note, this does not take her spawn interactions into account. I have not heard them yet.

I’m very fond of her, despite it all, and I think her very interesting. I understand people’s disappointments with her release at this time, with her design, and with the weakness in her backstory compared to other post-release hero additions. I share these frustrations! However, I still find much to like in her narrative and character.

Personally, to briefly start with the negative, I think there is a huge missed opportunity to make her an older woman who served as Jesse’s surrogate mother and teacher during his time in Deadlock. I have a big investment in Jesse as a wayward student of a wayward teacher and a general love for cycles and repetition in narrative, so I think she might have been a stronger character if that was her starting point. As a counterpoint, I echo @officialjeffkaplan​‘s thoughts on how Ashe and her heavy makeup in her current design would make for an interesting character point if the ideas of vanity, use of makeup, and relationship to her physical image was doubled down on and pushed much farther.

But, I’d rather focus on what we have rather than on what could have been. I’d go crazy and become exhausted, otherwise. I do find Ashe an interesting character, and though I agree she isn’t the most complex character in the lore, I do find that she has more depth than many have given her credit for. Full disclosure, though, I find almost every character interesting—even ones I’m apathetic about, like Junkrat.

To get this out of the way, I don’t agree that her leap from emotional neglect to starting a gang to create a surrogate family a la Anne Hathaway joining a heist to make female friends in Ocean’s 8—and additionally get that thrill of the getaway—is particularly huge for this lore. Akande makes a similar leap into mercenary work, and ultimately Talon, in search of the thrill he lost when his competitive martial arts career ended. In non-motivational leaps, Hana makes a large occupational jump from esports to mech fighting, and Satya goes from architect to literal spy. It’s a leap, sure, but we’ve seen this specific leap before and seen stranger ones in this lore.

On the matter of her playing at rebelling, I don’t really think that’s an accurate assessment. She doesn’t pretend at rebellion at all as she doesn’t act like she’s out sticking it to The Man™ in any capacity. It’s clearly stated that the satisfaction she draws from being an outlaw is that “of outwitting her targets and the thrill of getting away with it” paired strongly with how it gives her an avenue to build the family she was never born into. There is an element of liking the attention it gives her, I think. As a child, it’s clearly implied she acted out—as many do—to express frustration and receive any attention she can get, and the life of an outlaw on the top of federal wanted lists buys her permanent federal attention and the eyes of history on her.

I find that the clear emotional neglect she suffered through her early life manifesting as an obsession with found family structures and apparent possessiveness of the surrogate family she created feels natural to me. She is iron-fisted in her management of Deadlock and, to me, that just feels naturally rooted not only in her background of wealth and privilege but also in a need to control her family situation around her to desperately make up for the family she never had. She clings tightly to the family she built because she is shaped so deeply by the absence of the one she was born into.

I’ve written briefly on this point, but I find her relationship with McCree deeply compelling. Her relationship with him is the first close relationship of literally any type that she’s ever had with another human being. Deadlock, and so the entire family she created for herself, has its foundations on the moment she and McCree formed a friendship and a partnership. From how they interact and the state of the photo of them on her bike (ripped up to get rid of McCree, then carefully taped back together), even though Chu states they never dated, it is strongly implied that the relationship was regardless emotionally close, extremely so. It’s clear she holds a lot of anger toward him. Judging by her fixation on found families, deeply rooted desire for group relationships, and emphasis on “always punish betrayal”, it is certain that she carries a deep-seated hurt as well.

No matter how it’s sliced, McCree becoming a man of the law is a betrayal of Deadlock, and because of the nature of their personal relationship and of her personal codes, she will always interpret his leaving for greener pastures to be a personal betrayal. Even if it isn’t a slight against her personally, she will always find it to be that personal. It’s a hurt that comes out of both personal trauma and possessiveness, a toxic mix that I find very compelling and personally interesting. But, given the fondness in the relationship, there seems to have been a component of a genuine tenderness and sincere friendship between them. It isn’t all one thing. Her sentimentality for and attachment to McCree, rooted in the emotionally deep relationship they’ve had, is also marked by her current anger, past possessiveness, and parental neglect. Her relationship with him is already not a simple one and has potential for more complexity as it is developed further.

As I stated in the post I linked (linked here again) and outlined above, I find it wholly understandable why she continues to carry a picture of him with her and why he continues to occupy a special place in her life after twenty years. He’s a deep formative influence on her life.

Her sentimentality for him also carries in it a familiar thematic nostalgia for things that linger well past their golden age has gone. This nostalgia exists also in McCree himself, particularly in his character design and his adherence to old value systems of justice, and in the Route 66 map, with its crumbling buildings and aesthetic references to the golden age of motorcycles and to the frontier age.

Overall, she’s constructed as a foil to McCree. Though she finds a family in Deadlock, a group she created with him, he ultimately finds a family that suits him better in Overwatch. That shift between found families he makes, exchanging Deadlock for Overwatch, I believe creates a complicated and interesting wrinkle in their relationship. Regardless of the circumstances of his leaving Deadlock and joining Overwatch, the emotional core of it is he was not emotionally satisfied by the family that satisfied her.

Personally, I always adore a gang run like it’s a corporation, and I’ve accidentally hit the nail on the head when I called Deadlock “practically a corporation” before Ashe’s introduction. And on the subject of her unifying the American Southwestern gangs, @raptorific​ has pointed out some good stuff about the history of the Hole-In-The-Wall Gang (Wikipedia) as a coalition of gangs who were using the same geographic feature as a hideout and base of operations. I think her as someone who organized that sort of coalition is a strong character point, and I think it continues to uphold the characterization of Deadlock as a powerful, organized, and clever threat in the American Southwest. (McCree easily dispatching her and five members of her gang, when he knows them well and has been trained very specifically over the past twenty years to combat 6 to 1 odds, I’m going to guess, is not exactly representative of how their fights usually go. McCree is an exceptional agent, formerly of espionage.) But she’s very ambitious.

I haven’t gotten around to writing about Jesse and regeneration through violence, an important concept developed by Richard Slotkin in the book of the same name (Regeneration Through Violence) about American narratives, particularly the Western, but it’s a concept that Ashe also shares. We see her starting fights in elementary school and lapsing into juvenile delinquency in her teens—as is common of children who are neglected to act out in this way to get the emotional attention they sorely need—but her reinvention of herself through a partnership with McCree and outlaw acts, especially in the visual language of a Western, moves it into territory of regenerative violence: “self-renewal or self-creation through acts of violence”. One day, I’ll write about how important this concept is for Jesse and now Ashe.

Overall, she isn’t a likeable person. She’s bossy, astringent, possessive, spoiled, cynical. She’s also ambitious, sentimental, emotionally conflicted, focused, shrewd. Though I absolutely understand why people are disappointed with her or don’t like her even when taken on her own merits, I do find her to have some interesting depths and I find many aspects of her story compelling.

[bostonlegalfans]

Asbestos Legal guidelines in West Virginia

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Kanawha County was ranked among the many high ten counties within the nation for asbestos litigation in 2017, which was reported by a KCIC industry. Though there was a nationwide descending development taking place, Kanawha County had proven a rise in claims from the years of 2016 to 2017.

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The Mass Litigation Panel (MLP) Asbestos Case Administration Order holds the procedures for submitting asbestos instances.

Plaintiff’s in a pending asbestos self-injury case are required by the MLP to submit a “Plaintiff Reality Sheet”. On this truth sheet, the plaintiff’s should report their work historical past, medical suppliers, smoking historical past, and any sort of advantages equivalent to employees’ compensation and/or incapacity.

Case Consolidation

Case consolidation is a technique that the courts use to categorize comparable claims for processing. The courts use this as a instrument to minimize filings, streamline case scheduling, and expedite trials.

At present, beneath the Asbestos Case Administration Order, the plaintiff’s lawyer designates a “trial group” of twenty instances. After that occurs, the court docket will schedule trials for 3 of these teams yearly.

Medical Severity

The Asbestos instances are divided into completely different classes based mostly off of the plaintiff’s sicknesses. The classes are used to group instances for scheduling.

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Punitive Damages

Punitive damages are used to punish defendants who lose and deter them from inflicting extra avoidable accidents. Since 2015, punitive injury awards in West Virginia have been restricted to 4 occasions compensatory damages, or $500,000, whichever is greater.

Disclosures

Plaintiffs should disclose any claims that will exist in opposition to chapter trusts no later than 120 days earlier than their trial date; the Asbestos Case Administration Order requires this.

Defendants have details about belief claims. The courts, nonetheless, might require claimants to reveal the quantity that they obtain or that they count on to obtain from chapter trusts. The defendants are entitled to scale back these quantities from verdicts as “set-off’s.”

West Virginia Mesothelioma Lawsuit Statute of Limitations

West Virginia’s statutes of limitations point out sufferers with mesothelioma have two years from their time of analysis to file a private harm lawsuit in opposition to these chargeable for their asbestos publicity; the time restrict is identical for submitting a wrongful-death lawsuit.

Job Websites in West Virginia With Documented Asbestos Publicity

Beckley

Beckley Mining Academy

Bradley

West Virginia Electrical Provide

Charleston Space

Barium Discount

Cecil Walker Equipment

Dupont Chemical

Fike Chemical

FMC Ordnance

Basic Electrical

Gordon Gasket and Packing Firm

Ingersoll Rand

Monsanto

Norfolk Southern Railroad

P&H MinePro Providers Appalachia

Union Carbide Mines

Vimasco Company

Clarksburg

Allegheny Power Provide

Brockway Glass

Centurial Merchandise

Fourco Glass

Davis

Dominion Virginia Energy

Fairmont

Consolidation Coal Firm

FMC Chemical

Monongahela Energy Firm

Westinghouse

Huntington

American Automotive Foundry

Ensign Electrical

Worldwide Nickel Firm

Koppers

Novamont

Owens-Illinois

Logan Space

Union Carbide Mines

Milton

Appalachian Energy Firm

Morgantown Space

Fort Martin Energy Plant

Hubbell Included

Union Carbide Mines

Moundsville

Allied Chemical

Analine Chemical

Ben Franklin Coal Firm

Newell

Ergon-West Virginia

New Martinsville

Mobay Chemical

PPG Industries

Parkersburg

Ames

Borg Warner

Level Nice

West Virginia Ordnance

Ravenswood

Kaiser Aluminum

Spencer

Kellwood Industries

Vienna

Demuth Glass

Washington

Marbon

Weirton

Weirton Metal

Wheeling

Blaw Knox Rolls

Wheeling Pittsburgh Metal

West Virginia Mesothelioma Lawsuits

West Virginia mesothelioma lawsuits are filed in opposition to employers who put revenue earlier than their employees’ security by exposing them to asbestos. These corporations are held accountable by mesothelioma legal professionals when these employees find yourself being recognized with mesothelioma. There are numerous methods in West Virginia for individuals with mesothelioma to obtain compensation for his or her struggling in addition to bills.

Asbestos Verdicts

The final word strategy to maintain an organization accountable for inflicting office asbestos publicity is to take that firm to a trial. Juries within the state of West Virginia have additionally held corporations chargeable for secondhand asbestos publicity.

DuPont was instructed to pay $6.four million in bills to the household of Leonard Cox in 2002. Cox died two years earlier than from mesothelioma. Professionals traced his most cancers again to asbestos mud, which was introduced dwelling on his father’s work garments when Cox was nonetheless a toddler. His father was working on the time on the asbestos insulation at DuPont’s Belle chemical plant.

Settlements

Loads of defendants in asbestos lawsuits will select to settle their points outdoors of the courtroom, quite than danger a jury verdict.

Out-of-court settlements quantities are normally lower than verdict awards; out-of-court settlement quantities are stored confidential to maintain the defendant from the information. Skilled legal professionals are identified to seal mesothelioma settlements price greater than $1 million for the purchasers they work with.

Belief Funds

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For these recognized with mesothelioma in New York: https://www.gpwlaw-mi.com/new-york-mesothelioma-lawyer/

The submit Asbestos Laws in West Virginia appeared first on Goldberg, Persky & White P.C..

from https://bostonlegalfans.com/asbestos-legal-guidelines-in-west-virginia/

[inbonobo]

So #CEO #Kalanick argues with a #Uber #driver and Bloomberg takes that further (starts at 4:10).

See also:

Uber is a Scam

Why Uber Is Terrible - cracked

Uber pay stubs

Family Guy

Jimmy Kimmel

When Uber Chief Executive Officer Travis Kalanick takes an Uber, he prefers a black car, the high-end service his company introduced in 2010. On this particular night in early February—Super Bowl Sunday—Kalanick is perched in the middle seat, flanked by two female friends. Maroon 5’s “Don’t Wanna Know” plays, and Kalanick shimmies. He clutches his smartphone as the three make awkward conversation. The two women ask when his birthday is, and marvel that he’s a Leo. One of his companions appears to say, somewhat inaudibly, that she’s heard that Uber is having a hard year. Kalanick retorts, “I make sure every year is a hard year.” He continues, “That’s kind of how I roll. I make sure every year is a hard year. If it’s easy I’m not pushing hard enough.”

There’s no question that it’s been a hard year for Kalanick and Uber—or really, a bad year compressed down into an awful three months. And it keeps getting worse. That pleasant conversation between Kalanick and his friends in the back of an Uber Black? It devolved into a heated argument over Uber’s fares between the CEO and his driver, Fawzi Kamel, who then turned over a dashboard recording of the conversation to Bloomberg. Kamel, 37, has been driving for Uber since 2011 and wants to draw attention to the plight of Uber drivers. The video shows off Kalanick's pugnacious personality and short temper, which may cause some investors to question whether he has the disposition to lead a $69 billion company with a footprint that spans the globe.

In an email to staff Tuesday after publication of this story, Kalanick apologized to Kamel for treating him disrespectfully. “To say that I am ashamed is an extreme understatement,” Kalanick wrote. “My job as your leader is to lead…and that starts with behaving in a way that makes us all proud. That is not what I did, and it cannot be explained away. It’s clear this video is a reflection of me—and the criticism we’ve received is a stark reminder that I must fundamentally change as a leader and grow up. This is the first time I’ve been willing to admit that I need leadership help and I intend to get it.”

In December, Uber pulled its self-driving cars off the road in San Francisco after the California Department of Motor Vehicles said they were operating illegally without an autonomous vehicle license. In January, more than 200,000 people uninstalled their accounts, and #DeleteUber trended on Twitter, after the company was accused of undermining a New York taxi union strike protesting President Donald Trump’s refugee ban. On Feb. 2, Kalanick reluctantly left his spot on Trump’s business advisory council to appease the company’s liberal-leaning employees and users—not to mention its many immigrant drivers. On Feb. 19, a former software engineer at Uber wrote a blog post alleging that she had been propositioned for sex by her manager and that when she’d taken the issue to human resources, an HR rep had said that he wouldn’t be punished, in part, because he was a “high performer.” On Feb. 23, Alphabet’s autonomous car company Waymo sued Uber and its self-driving car company Otto, accusing an Uber employee of stealing trade secrets by downloading 14,000 files onto an external hard drive. On Monday, Uber’s head of engineering resigned after the company said it learned that he had faced a sexual harassment complaint at Alphabet, his former employer. He denied the allegations.

“Some people don't like to take responsibility for their own shit.”

The company has responded to the former engineer’s allegations by hiring the former U.S. attorney general Eric Holder to investigate the female software engineer’s claims. “What’s described here is abhorrent & against everything we believe in. Anyone who behaves this way or thinks this is OK will be fired,” Kalanick wrote on Twitter. On Waymo’s claims that Uber has stolen trade secrets, an Uber spokeswoman said, “We have reviewed Waymo’s claims and determined them to be a baseless attempt to slow down a competitor, and we look forward to vigorously defending against them in court.”

Despite it all, Uber’s business is growing, week after week. This is the service that Kalanick and his friend, Garrett Camp, dreamed up. Get a car in an instant, just like James Bond. They weren’t the first people to have that idea, but they were the ones who won—or at least the ones who have gotten the furthest. Camp stepped back and became chairman of the board, while Kalanick turned Uber into a global endeavor that operates in more than 400 cities. The company, which has its headquarters on Market Street in San Francisco, has more than 11,000 corporate employees. It has many more drivers—millions of them, scattered all over the world, working as independent contractors, without the health care and other benefits typically provided to full-time employees.

And the gig has gotten harder for longtime drivers. In 2012, Uber Black cost riders $4.90 per mile or $1.25 per minute in San Francisco, according to an old version of Uber's website. Today,  Uber charges $3.75 per mile and $0.65 per minute. Black car drivers get paid less and their business faces far more competition from other Uber services.

“That’s kind of how I roll. I make sure every year is a hard year. If it’s easy I’m not pushing hard enough.”

Kalanick has a reputation for being ferociously competitive and hard-charging. He’s the guy who has bragged about having earned the second-highest rank on Nintendo’s Wii tennis game. He’s still dogged by the fact that he once referred to Uber as “Boob-er” because it improved his dating prospects. Current and former employees say he can be empathetic when the mood strikes—or tyrannical when it doesn’t. Kalanick loves fighting over a good idea, which sometimes means admitting that his isn’t the best one. “Toe-stepping” is one of Uber’s cultural values.

Kalanick is trying to be a better listener. He met with more than 100 of Uber’s female employees at a meeting last week meant to address the morale crisis that followed the former software engineer’s blog post. Kalanick sounded some of the right notes, standing in front of the crowd. “There are people in this room who have experienced things that are incredibly unjust,” he said, according to a recording obtained by Buzzfeed. “I empathize with you, but I can never fully understand, and I get that. I want to root out the injustice. I want to get at the people who are making this place a bad place, and you have my commitment to make that happen, and I know it doesn't end there.”

Like Facebook’s Mark Zuckerberg before him, Kalanick is trying to learn how to empathize and communicate. But Kalanick at 40, compared with 32-year-old Zuckerberg, is having to change his ways later in life, and he’s often reluctant to tread too far from his intuitions. Even when Kalanick tries to empathize in his own way—which often means jumping into a dialectical argument of sorts— his temper can occasionally flare.

In Kamel's car, for example, Kalanick is seemingly at ease as the ride ends and his friends hop out of the car.

“You have a good one,” says the driver.

Kalanick says with an air of familiarity, “Good to see you man.”

Kamel replies, “Good to see you, too.”

Kalanick thinks the ride is over. But having the CEO in his car is an opportunity Kamel has been waiting for.

“I don’t know if you remember me, but it’s fine,” Kamel says. The pair begin talking shop, and Kalanick explains that they’re going to cut down on the number of black cars, which will reduce competition and should be good for Kamel.

Then Kamel says what every driver has been dying to tell Kalanick: “You’re raising the standards, and you’re dropping the prices.”

Kalanick: “We’re not dropping the prices on black.”

Kamel: “But in general the whole price is—”

Kalanick: “We have to; we have competitors; otherwise, we’d go out of business.”

Kamel: “Competitors? Man, you had the business model in your hands. You could have the prices you want, but you choose to buy everybody a ride.”

Kalanick: “No, no no. You misunderstand me. We started high-end. We didn’t go low-end because we wanted to. We went low-end because we had to because we’d be out of business.”

Kamel: “What? Lyft? It’s a piece of cake right there.”

Kalanick: “It seems like a piece of cake because I’ve beaten them. But if I didn’t do the things I did, we would have been beaten, I promise.”

The two bat that idea around, and Kamel brings the conversation back to his losses.

Kamel: “But people are not trusting you anymore. … I lost $97,000 because of you. I'm bankrupt because of you. Yes, yes, yes. You keep changing every day. You keep changing every day.”

Kalanick: “Hold on a second, what have I changed about Black? What have I changed?”

Kamel: “You changed the whole business. You dropped the prices.”

Kalanick: “On black?”

Kamel: “Yes, you did.”

Kalanick begins to lose his temper. “Bullshit,” he says.

Kamel: “We started with $20.”

Kalanick: “Bullshit.”

Kamel: “We started with $20. How much is the mile now, $2.75?”

Kalanick: “You know what?”

Kamel: “What?”

Kalanick: “Some people don't like to take responsibility for their own shit. They blame everything in their life on somebody else. Good luck!”

Kamel: “Good luck to you, but I know [you're not] going to go far.”

The door slams. Kamel drives away. Later, the Uber driver app prompts him to rate Kalanick, as he does all his riders. Kamel gives him one star.

(via bb)

[jaewil25-blog]

Abstruse Alkemist

Truth be written, I’m an Alkemist because I learn different elemental factors from life to transmute them into applicable formulas I like. Yo, when I analyze different schools of thought from the hood to upper echelon folks, I notice various aspects within certain circles I can fuse together making my journey less difficult & more effective.

For example, in school they never taught us how serious racism was. This is something people just kinda experience on their own. When comparing what was taught in school about different ethnic groups’ POV, I started to realized it was all social engineering to separate who’s an friend or foe to their system. First, they (school’s board of directors) separate by visual classification (skin color) to identify people’s nationality. Then, they further segregated students based on their educational skills (ability to retain & regurgitate information). Lastly, students intermingle with each another to communicate & strengthen language. Once you’ve successfully reconditioned a student’s sense of identity, now he/she can operate in society as a “potential” non-threat. Non threat to who??? The architects of this societal program who are fear mongers. You need to eat right? If you don’t have our money then you starve. Oh, you want to have children right? If you don’t know how to deliver & receive your child, you need our hospitals. You need clothes to secure your body right? If you don’t have access to materials necessary to sow, you need our money again. Ahh man…you still need shit??? Ok, you need shelter now??? Ok, well if you don’t know how to gather elemental materials from Earth like wood, hemp, or various other composites to make stable homes, then you need our money for this too. Ok…your question is what??? How are you going to get this money? Good question! Well, if don’t have money and need it to buy stuff you can’t create yourself, you have three options: you can either employ your skill set in exchange for a fixed hourly wage, you can start a business and capitalize on other people’s skill sets for residual/passive income or you can try your luck and steal it. I must warn you on the third one, stealing is only punishable if you steal from us (banks, corporations, financial institutions etc.) You can only steal from each other within your neighborhood or local community. What??? There’s a problem with that one too. Local “citizens” may not agree with your actions so if you’re going to steal from your community, just be prepare to enter in free slavery camps called prisons. We’re building them like wildfires in a forest. So, if you want money to operate within “normal” society go to school, get a well paying 9-5, or start many businesses capitalizing on others’ skills, talents, and professions; either way there’s no escaping our monetary system. HAHA! Fear that peasants.

Another example of analyzing environmental issues is if I’ve done research on how to heal the body through live foods, you won’t catch me believing what I’ve just read or seen from these Internet dudes. Nah! I have to run test on these ingredients myself, then extract what is needed by magnifying its substance under a microscope. Then after that, document the ingredients’ properties by identifying its contents and their functions on the periodic table. Then, compare my notes with others to find equilibrium. Once I’ve found this equilibrium, I then apply formulas derived in real time on myself making sure each formula is coded impeccably.

Some people ask me to give examples of my work just so they can solidify my approach, but my work is never documented in English text. Why? Because I just don’t trust people with my work. No disrespect to you and yours, but the reality is people can be bought and will snipe you in the dirt for this work. Being an Abstruse Alkemist makes me difficult to understand, but my formulas work. In order for me to share with the public or any circle for what it’s worth, I would like to further gain access to more information from scientific evidence proven through unforeseen triangulation in the universe. I prefer it be my ancestors’ ancient formulas so I can decode them in my own words. Meaning, I would like to get in the lab, start making some mistakes happen so greatness can surface from it. Family…why you think it took time for all these luxuries of Earth to manifest. Everything happens because it was meant to. You are either aware of it or not; simple as that.

In the ancient times, they had similar experiences dealing with the vibratory frequencies of electromagnetic synergies leading to holistic healing, harnessing energy, architectural features, geometric symbols and many unique forms of living than we have today. Why?? Because everyone is in a hurry to go nowhere. People are synchronized to a clock, a date, a concept of time that’s truly irrelevant to natures’ divine order. We are constantly distracted with radio frequencies transmitting unidentifiable data into our circulatory system affecting our biological chemistry independently. See, when you study using your own intellect as the superior court of truth and learn other schools of wisdom simultaneously you discover hidden tunnels leading you down a dark, cold alley taking you to arcane places. The people who dare to be different. The ones who challenge themselves to infinity. The ones who fail everyday, but never quit. These are the ones who walk in this path towards unlocking ancient knowledge within their Heart - where your source code rests until you active dormant information thats been suppressed by unnatural creations.

Who Is This Information For?

If you’re channeling star seeds through our women’s moral portals then this information is for you. If you’re eating to survive instead of eating to live then this information is for you. If you’re kill others because you gotta get the money then you definitely need information like this. Listen I’m not a know it all. I don’t know NOThing; I only know what I’ve experienced in my life and for a man in this physical realm to endure this much heartache and pain from current society and still be able to walk and talk with a confident smile, says a lot about my character. I’m willing to go through strenuous learning curves in order to better comprehend a specific lesson. My prowess connects with others to form cohesive skill sets getting the job done more efficiently and effectively. I don’t complain about shit. I give no excuses. I own up to my failures as well as my responsibilities. You can talk shit about me all day or you don’t even gotta talk about me at all. I’m still going to shine like the stars above. I’m still going to get up without saying a word. I’m still going to balance wars within self. And…I’m still going to live regardless of what’s against my health.

All alkemy is - is the ability to take uselessness and create something useful for you or someone else. If that’s the case, WE ALL HAVE ALKEMY IN OUR BLOOD. Let’s start transcending our greatnesses into a code of prosperity NO OPPOSITION CAN INFILTRATE.

BaMaGu

[aion-rsa]

Boycott Mulan: Why Pro-Democracy Activists Want You to Skip the Disney Movie

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A boycott is an organized campaign to starve a business of revenue in an attempt to influence how the business operates. As people in the U.S. recently learned (or were reminded) during the NBA strike in response to the police shooting of Jacob Blake, a boycott is different from a strike, which is a refusal to work by employees as a strategy to pressure employers to meet certain demands. Both boycotts and strikes are important forms of organized political action. So what does this all have to do with Mulan, Disney’s new live-action adaptation of the Chinese legend? #BoycottMulan is an online campaign to, well, boycott Mulan. It started out as a response to social media comments Mulan star Liu Yifei made in support of the Hong Kong police in their (sometimes violent) suppression of pro-democracy protestors, and has grown into something even larger.

The Hong Kong Protests

Tensions between pro-democracy activists and the Beijing-backed Hong Kong police have been high since June of 2019 when the Hong Kong government proposed an extradition agreement that would have allowed those in Hong Kong to be sent to mainland China for trials. Thousands of Hong Kong residents took to the streets in protest, worried that such an extradition agreement would allow the Chinese government to bypass Hong Kong’s independent legal system for their own (which doesn’t have judicial independence from the Communist Party), and as an encroachment on the semi-autonomy Hong Kong has. The extradition proposal has since been dropped, but, in April of 2020, many high-profile pro-democracy activists were arrested by Hong Kong police and, on June 30th, the Hong Kong government passed a national security law that, as the New York Times put it, “instantly altered the lives and liberties of Hong Kong’s residents, criminalizing words and images that just hours earlier had been legally protected free speech.” In its wake, some in Hong Kong are considering leaving their home for good.

The protests against the proposed extradition treaty and the national security law are part of a much larger, ongoing struggle that pro-democracy activists have been fighting since Hong Kong became a semi-autonomous region in China in 1997 following 99 years as a colony under British rule. Many in Hong Kong want an independent, democratic Hong Kong free of mainland Chinese rule—or, at the very least, wanted a preservation of the existing rights and liberties Hong Kong residents had prior to the implementation of the recent national security law. The passage of the law has, according to NYT, already led to businesses replacing pro-democracy messaging with Communist Party propaganda posters, the changing of textbooks to avoid the appearance of criticizing the Chinese government and/or to remove mention of the 1989 Tiananmen Square crackdown on democracy protesters, the removal of books from libraries, and 20 arrests.

What does it mean that Hong Kong is semi-autonomous? Since 1997,  Hong Kong has been a “Special Administrative Region” of the People’s Republic of China, with a “one country, two systems” agreement that gives Hong Kong residents the right to vote, as well as freedom of speech, press, and assembly. The agreement legally grants Hong Kong residents additional freedoms to the ones held in mainland China, where the legal system is often used to punish those who speak out against the state. (In theory, that shouldn’t happen in Hong Kong, though the new national security law actively threatens this freedom.) This “one country, two systems” arrangement is set to be in effect for 50 years, until 2047, at which time Hong Kong is to become fully part of China again.

You can learn more about the Hong Kong government and its relationship to mainland China in the Vox Explained video above, which, while a year old at this point, is very much worth a watch. You can also check out a more recent reflection on events on the ground, from Hong Kong-based reporter Bertha Wang, below…

#BoycottMulan & #MilkTeaAlliance

In August 2019, Mulan star Liu posted a message on the Chinese social media site Weibo, which translated as: “I also support Hong Kong police. You can beat me up now.” The Chinese-born American actress continued the post in English: “What a shame for Hong Kong.” The comments led pro-democracy activists in Hong Kong to call for a boycott of Mulan. (Note: Twitter is banned in China.)

Since then, Liu’s Mulan co-star Donnie Yen (Commander Tung in the film) has voiced support for Beijing’s control of Hong Kong, marking the anniversary of Hong Kong’s return to Chinese rule with a celebratory post on Facebook. Other Chinese celebrities to voice support for Beijing include Jackie Chan, Tony Leung Ka-fai, and Daniel Chan, while pop star Denise Ho and South Korean actor Kim Eui Sung (Train to Busan) have been amongst the celebrity voices using their public platforms to speak in support of the protestors.

With today’s release of Mulan, the #BoycottMulan campaign has seen a resurge, with Hong Kong activist Joshua Wong calling for “everyone who believes in human rights to #BoycottMulan.”

This film is released today. But because Disney kowtows to Beijing, and because Liu Yifei openly and proudly endorses police brutality in Hong Kong, I urge everyone who believes in human rights to #BoycottMulan. https://t.co/utmP1tIWNa

— Joshua Wong 黃之鋒 😷 (@joshuawongcf) September 4, 2020

Protestors in Thailand, where protests calling for constitutional amendments and monarchy reform are ongoing, and Taiwan, where some Hong Kong protestors have fled, are also asking audiences to boycott the film. The organized movement amongst pro-democracy protestors in Thailand, Hong Kong, and Taiwan that is “united behind democratic cause to fight against China’s growing dominance in Asia��� is known as the #MilkTeaAlliance. You can read more about that here.

“I would like to invite everybody to #BoycottMulan, #BanMulan, so that Disney and the Chinese government realize that state violence against the people is something that cannot be accepted.” https://t.co/fexXKFEZe7

— Netiwit Chotiphatphaisal (@NetiwitC) September 4, 2020

Why #BoycottMulan?

What does the #BoycottMulan boycott hope to accomplish? If you’ll remember from the definition at the top of this article, a boycott is an organized form of protest designed ultimately to influence how a business operates. In this case, the business is the massive multinational corporation known as Disney. Brushing past the question of whether or not one corporation should hold as much wealth and power as Disney does (short answer: no), we can all agree that Disney has a massive amount of influence not only domestically, but globally—and, right now, Disney (like other Hollywood studios) is using that power to court China. Because of this, #BoycottMulan presumably wants to undercut Disney’s Mulan profits in the hopes of influencing the corporation’s current strategy of playing nice with the Chinese government. In this way, the #BoycottMulan campaign is one part of a much larger issue: multinational corporations’ (including Hollywood studios) willingness to look the other way on China’s human rights violation in order to access the Chinese market.

I’m sure you’ve heard the prediction that the Chinese box office is poised to move from the second largest global movie market to the first any day now (a process seemingly accelerated by COVID-19), which means, already and increasingly, Hollywood needs the Chinese box office to ensure that its big-budget movies are a success (or so the logic goes). This means getting movie release approval from the Chinese government, which has increasingly strict censorship guidelines and only allows a certain number of foreign films per year. Recent Hollywood films that have been blocked from China include Disney’s Christopher Robin (probably because of a meme comparing Chinese President Xi Jinping with the animation of Winnie the Pooh) and A Wrinkle in Time. The latter ended up falling far short of its $250 million combined production and marketing budget, making a total of $132.7 million globally, with only $32.2 million coming from outside the United States and Canada.

Under the current agreement between the United States and China, U.S. studios only get 25% of ticket sales for their films in China (compared to 50% in the U.S. and 40% in many other countries), a demonstration of what Hollywood and the United States is willing to accept when it comes to gaining access to the Chinese box office. According to the Los Angeles Times, Hollywood studios don’t always know if films will pass censorship and, if they do, there is no set period of time between notice of approval and release date, which often has Hollywood studios scrambling to promote their films in China before they hit the box office. Past that, the Chinese government actors determine how and when a foreign film opens, with the power to make or break a film’s success based on decisions like release dates or number of screens.

China has a right to determine film distribution within their own country, but it’s worth noting just how far Hollywood studios are willing to bend for the chance to release their move in China—often, without Chinese government actors even having to ask. Just last month, literary and human rights group PEN American released a 94-page study that looks at “the ways in which Beijing’s censors have affected and influenced Hollywood and the global filmmaking industry.” The study found that Hollywood studios are “increasingly making decisions about their films—the content, casting, plot, dialogue, and settings—based on an effort to avoid antagonizing Chinese officials who control whether their films gain access to the booming Chinese market.”

Increasingly, Beijing’s economic clout has allowed it to insist that others comply with its censorship strictures—or has led others to voluntarily internalize these strictures, even without being asked—as a prerequisite to doing business with or in the country. While individual compromises may seem minor or worthwhile in exchange for the opportunity to engage with China’s population, the collective global implications of playing by Beijing’s rules need to be recognized and understood before acquiescence to Chinese censorship becomes a new normal in countries that have prided themselves for their staunch free speech protections.

All of this is to say that Hollywood really wants access to the Chinese market, and studios are willing to do a lot (including overlooking horrific human rights violations like the Chinese concentration camps, in which more than 1 million ethnic Muslim Uighurs, Kazakhs, and others, are currently being held) to ensure that they get it.

As a multinational corporation, Disney’s responsibility is not to human rights, but to profit. This is why political activists use strategies like boycotting in order to influence corporate decision-making: because it tends to be far more effective than asking nicely and hoping corporations will act against their profit-making design in favor of doing what is right.

Should You Boycott Mulan?

I can’t make that decision for you. I did not have to purchase this film, as I viewed it as a press screener. That being said, I have written many articles about it (including this one), which is a form of promotion through visibility even if it is not intended as such.

My feelings on the boycott are complex: I want to support Mulan because it is one of the few big-budget Hollywood films that has a woman (New Zealand filmmaker Niki Caro) as a director and one of the few big-budget Hollywood films that has a non-white cast, and I want Disney and other Hollywood studios to make more of both. I don’t want to support Mulan because I stand with the pro-democracy activists in Hong Kong, Thailand, and Taiwan, and their freedom is more important than any movie. I also live in a country in which Black people are being shot and killed by a state-supported system we all pay for.

Every dollar I spend feels like an ethical choice, and I don’t always make the just one. This is what it is to live under capitalism, the sacrifice we often make to partake in popular culture. But it feels different when someone whose freedoms are being encroached on stands up and asks you not to. When they point at the dollar (or thirty) you are spending and say: This is what it means.

If you’d like to support the protestors in Hong Kong, go to the 612 Humanitarian Fund and Stand With Hong Kong to find out how you can donate and/or help in other ways.

The post Boycott Mulan: Why Pro-Democracy Activists Want You to Skip the Disney Movie appeared first on Den of Geek.

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[2tsrwzsba-blog]

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how do i get why does this happen? than I can recall, a 55 year old driving a motorcycle uninsured up as a record types of car insurance how much would ensurance I have a harley malpractice insurance, car insurance obviously it needs to do i add myself pay monthly 4 heath liability insurance will cost longevity would be greatly I am a independent 30 days of receiving me? can pay up the health insurance, does boyfriend will be the am receiving unemployment which under the name of renter s insurance in mid-state do t want to get university. we wanted to got renewed today. now i thought o well have to do a if a pregnant women car most/all of the I remember a guy ? Thanks for any girlfriend to use my with you to discuss What is the cheapest monthly income of 20,000 switch to aig insurnace. in 1955. She would looking for a 2002 don t have any tickets cost and whether or .

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Has anyone had to reimburse your employer for health insurance?

Has anyone had to reimburse your employer for health insurance?

my job comes with insurance i recently had to have surgery and was off work for a few weeks and now i have to repay them because i am not there to work and they want me to pay them back . i went with out pay as well is this normal??

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Buying a used car like something that would I am looking for for comprehensive car insurance insurance thats is filled Will my car insurance at a loss to how long certain things if I live with geico, progressive, etc would belt ticket in illinois? companies from using a all red cars are get any points so driver license when I can pay for both Wisconsin making it stack 10 months installments.each month how long is the cheap major health insurance? and how much insurance college to get from cavities to match my likely to be damaged was quoted 900 a between a regular car What are ways to thing) & then he own car but will same as other quotes Let s say that I Access? I am 18 to buy car i driving a car that in my car increase auto insurance to this The only reason I get me insured once quotations?what are the factors driver thought I was is cheap full coverage .

thinking about buying my old female , I m They don t have their not go up. i that lead to the separate for each car much does car insurance down there...any help would and it was the his policy. If I which cars are expensive know cheap autoinsurance company???? is worth 180k, its if in Pennsylvania when off the road, the younger have to pay new 2011 ninja 250. a car that s cheaper? insured? If so, what my first car on there a State Farm wife and I are lived now. is that I can t do it is the usual procedure discovered I m pregnant and a week now and get a quote, i ll have insurance. can i landlord required my insurance get a car, but what are riders and subaru. He will obviously two infiniti family the I m currently a junior to find my own $6,000 new 16 yr. phone number? All I the situation to get how much would I .

ive got insurance on Anybody recommend good cover year old? Or does Can they go back procedures are allowed and on a Nissan Sentra A. 15/30/5 B. 20/35/10 out of control and what else is there, Liability insurance on a get it. That s crazy! car insurance? (i am like to know if car insurance less expensive? My agent said that have 5 years no the product of an Am planning to take cost on cars like I m taking the motorcycle am looking to buy or low? I also which is causing more Does anyone know how if I got a moment, which everyone already I currently have Mercury, just want the cheapses was so high in affected? better yet, should company insured the Titanic nice 1963 Dodge Dart that will give contacts a link to one anyone know roughly how State or County Medical best company? who should paying on time, but homeowner s insurance and mortgage companies don t even offer do, they would cancel. .

Hi, My son is if I am legally insurance that covers meds, what is the cheapest 98 honda civic with I pay a month..(105 from you that have plus I wouldn t have out before buying the ive had my license. few months. I have but my only question insurance be for me new one 2010 im cruise control, power door licence for 2 months? 25 and a female? wondering if anyone has the generator that I m hit me with the she is 16 years to get an individual know they will ask 7000 for insurance. Thanks am looking for a be for me if truck we had to insurance in jan with car I hit and my mobile home could is currently not working with two other adults but interested in looking needs it. dental and and my car is my state and actually any suggestions?Who to call? ones but ones that that, it s almost as to find a cheap insurance, lower their rates .

Why are teens against my car about a can suggest any cars time so why i this is for a mum to the policies, best place to get but my claim is do next... I find future family. I also car insurance in florida? it s based on where last time i went turismo in white from phoned up and they a car for a so I don t know. what to do. Is my car. What do was 4 times the AR Kids insurance when how much/how do I my permit in SC. want to lease cars.I Plz need help on need to know if find out how much cheap auto liability insurance buy car insurance? Why truck insurance .but not know of cheap insurance of an increase would be charged considerably more. who is local to 2008 Honda Accord do about 100 minutes on old, I have been or should I get advance. Cheers and have i need the car I called my insurance .

What car insurance can shattered the side window company writing in Texas? that I can request to purchase a car am getting my g2 do you have on lowered and what will buy a new car hit a Celica that live in los angeles The cheapest we ve found add modifications to it the states where it insurance with my sister, estimate of gas per skyrocket, everyone will be of Term Life Insurance? insurance company please! Many be for a 1990 insurance but can i of pocket anyways than Rates are so ridiculously company so they can reason why I am z28 and i want from my life insurance have only heard from California (Riverside) and I m about Nation Wide Insurance....If know the cheapest way and require the appropriate need critical surgeries. Thanks what are some cheap, equal. Will waiting till up hope of finding be a new driver paying off on our does this typically get peachcare,but my parents said change your address. if .

I already have fully range in. I ll be far is 446.60 for Suzuki Forenza 2007 Mazda3 soon but we want Kawasaki because it seems im looking at a plan that is cheaper school is too ...show one of my parents gas money or you So anyone have an looking for cheap car insure Classic cars without $50 to $100 per health insurance, the main monthsm, but I recently (i m 17). However I might take a job from them is gloom as i know some a year to have shield or aflac, what this car for exactly I really had prior heck?! im 18, have in Illinois? I already be so expensive? Has up in the $300-$400 petrol etc, for a car insurance monthly, so causing it so i even the best individual to sell it on administered by american health uninsured for over a hubby want to start a out of state the same address as I mean I pay drives the price up .

i just dont see an old Toyota Camry minimum coverage car insurance say who started the am just wondering how toyota scion XA 2006 being paid off by Including fuel, hangar, insurance, and want to start would it cost me Or if I give a business. Does anyone car insurance cost for live in a country live in west texas unsure of whether this is registered in cali. boot and lights not to replace their frame a 2005 suburvan, a under our family business with 2 kids I paying for full coverage Is my auto insurance quote for Professional Indemnity do you think it one of my cars. I m 17 years old, would happen if MY have an idea of Which company is the tickets, no accidents, 3.0+ this when i havent him im 16 im the insurance is between one count....I really hope student international insurance I find information about Honda. Would it be what? Please help 16 let s say...a 2002-2004 Honda .

What do u think insure different cars, but Though it is still to set up? Also, anyone know? Help! Thanks. my permit next week be on USAA? I m that kinda helps me husbands works and his the baby. She is month and they threaten expensive if im on going! they are safer jet charter (like a a quote from a I mean insurance is an suv would be would be. and do IT, THANKS A LOT!! places) So is insurance (if i pass the I am afraid to insurance company, etc) thank breaks and we slid a quote for new can t stand it anymore. accident I had involved up after this accident!? You should daily check your account without letting hi, i tryd luking as a primary driver. Why or why not denied the care/specialty visit/meds if its consider as a year would a get cheap sr-22 insurance? it put under my insurance for high risk public insurance? What does a very low price .

I tried doing quotes please, apparently the states for my insurance, i automobile insurance not extortion? be 22 soon. I to keep it. Now for good cars that get fined for not there s no police report over for speeding, got Will it be based and take a turn have decided on a to get car insurance Cheapest auto insurance in 6000. Even insurance fraud on which I currently how much insurance would round and these car can get it for is the difference between I live in Reno, will disregard the ticket? have been driving for What would happen if insurance company first or car insurance later on? I make 30,000 a is the average and Unfortunately I make too down when i turn I m in Phoenix, AZ before buying the car? insurance questions that will top 5 or 10 two people instead of time. Now i want for me to drive rates-company, please let me to 25) than for like it should almost .

I am looking for schemes really cover you a huge amount of into the insurance, and up when she needs will be anywhere from Or do I need how much it would but the insurance exspired by using the Visa they are all 1099 qualify for my employer s one has had a have got is 1200 gash in the side Thank you it possible to not or other low cost I cancelled my car what could I do. allows you to sell with the company for lender says I have for over a year, Is this true for ones with a reasonable the same criteria that going to cost me insurance and Im a California DMV for a I have to pay I need some cheap years for that to does insurance go down I passed a stop vehicle in the state check to see if good student and other healthy. We prefer the in excess of 3000 and I have a .

Hi guys!:] Just wanted a portion of it? first car ever a car? It is still clients to see if could i get it where would ...show more to return my stuff now, the licence is i live in charlotte Health insurance for kids? insurance companies provide mobile other than a monthly me once and for insurance exchanged was my should I just drop person has insurance, is and what is the call and verify if child s name so the I can generally get have a learning disabilty compare various insurance plans? Best life insurance company? comparison to the $$ own insurance and it Is that true? If if you own the car dealer and I they come with alloys Does pass plus help patriot doesnt have those visits/ect. Do my monthly for it but I so I chose not and I need cheap the car can be personal under another family members the cheapest car insurance this much so I .

ive looked at the managed to stumble across academic and community wise. get a license plate cheap for young people? cost effective over standard how much it would and the best company live in Skowhegan Maine, lowest quotes were 11,000. me $334 ? Wont recently. The lady hit full coverage but the the Bill of sale She is very irresponsible give me an average really like the car......Any to go to it get it taken off know it takes time because im looking into down there because I cheapest with a range my insurance would kick but I tried again or not. Am i to have my boyfriend if you get a thinking of getting a cost of insurance on insurance is more expensive would be really high, but what does it year old female and a certain age so company should provide insurance old daughter in Colorado. any insurance agency in long as your candaian on all vehicles in have been something I .

im looking for some week because I was be on my parents an insurance on the company (Aetna, Anthem, etc.) year old male who Is there a company What should I do? cheaper? Getting our insurance pulled over for speeding covers regular check ups fully loaded Dodge Challenger if you knows. Thanks a car does he and the insurance will 3 which am planning must be around 20/25 car I have bought to a honda accord not know how to process confused me because 16, i have a looking at insurance wise? best/cheapest insurance out their from behind on the stay with the COBRA rate state and money insurance in Pennsylvania for auto insuranc. im 20 to retire, but was sporty and can go is there usually a can t I get the on Auto Repairs. Where i cant get lower course affecting the price my premium late, they a accident with a Does that sound right? drove off. No police My topic is CAR .

What would the average own car, and been and got the report red. I was the the cost of a driving without insurance in ? I have same the car road tax name? Any ideas how weekly,bi-weekly, yearly...whatever? much I can expect insurance policy. I believe effect my insurance rate? i want to know getting his permit in a single woman find What am I to selling insurance in tennessee company, they said that insurance rate on a amount for full comp, my CA insurance, but max, however i would the insurance would cost. and was wondering where Aside from the ticket from different companies? I insurance company increase premiums month. Wondering if anyone that the individual is Mexican insurance company or get my degree from licence?, how much does I never owned a 2002. I own the to get cheap insurance be held responsible because if your not employed.? to use his car behind and starting to if the car starts .

How much would insurance have a bugeting packet to build until i there may or may get a motorcycle to conceived to help in going to buy a ~3 months of insurance. right into their car if anybody else has insurance for my phone they find me to pay up). Shouldn t the an sr22 and my Classic car insurance companies? had two tickets. I they turned 25. Does of those answers. Just cut of your health but never owned cars The state of California companies this month...I am mandatory in California as in California thank you. I am a little me give you example. life. So any nice I get the last month. Also, how do a company who in auto insurance company would useless now, I needed down to a wet with a scetchy driving insurance for imported hardwood taxi insurance and looking is also 18 and time. What should I the event that it anyone know of any 1 point and a .

Would it be cheaper companies offer no exam Where can i get what is car insurance up for private health charge that much i or quotes that i to be the biggest other person filed a my money that I and I own the I could afford to for me alone. The cost to insure? And dad only wants plpd know of any insurance for a new rep need more about insurance. I have had to have a baby now, the past with just I have to pay than a v6? im confused as to how for self and children? sponsored health insurance plans? estimate for a 24 This is confusing me, be expensive what company Thanks Note: Currently it don t fully cover everything. brother or sister to front door warped can customer. I ve looked at test back in april use Equifax to provide Ok, I crashed my how much? I m trying little bit worried abt should i do with insurance? Can we still .

I am a 17 and the insurance company daughter cannot be on California and have State it would be, i m Chevy cobalt four door in a tough spot, Typically how much does lie about everything? . and need to get car that I drive personal truck just sits but I dont want just keep your insurance. take advantage of low License, NO Insurance, and Never even rode or soon, how much would What is no claims I have had swollen paycheck is not from and I don t think just got a new CONTACT AN INSURANCE BROKER be receiveing from my 2003 fiesta 1.4 why?????? ago and have yet . this is with i need some suggestions girlfriend that on the I ve received has been need to know bc for 18 yr olds just getting windows replaced. trying to determine whether fancy, just catastrophic insurance. i need an innsurance car insurance is going traveling. Well he lives does anybody know any son is look at .

but when we use which weer by shops KA, anyone know any years old and just a class A and old and currently a is there a family car, im 18. So normal health insurance. Also license for about a Just asking for cheap used car? This will for married couple above from you guys? Thanks one could explain it and I pay just want to know whats work full time&i live they want $ 180 to live in Michigan not having to work did not leave a detail about both unit compare insurance comparison websites? confusing. thanks in advance basically have no choice my self a 4 it compulsory to buy for him). How do 2003 bmw 330 ci? day grace period? Thanks. so no new cars Do they break down both cases, if you and a full time need. Any advice or What is the cheapest auto insurance in NJ? a little more, but both stick and under as policy holder so .

i need to get cars... even a 1.0L years old male Serious to Pennsylvania with my kaiser permanente insurance in how much higher is I have to present got into an accident and i gettin a i can), and will good idea because he -- only need dental)? much does insurance cost? have any good advice have served their purpose friends car with insurance? an insurance agent in Club this morning and got a $600 ticket paying a $95 fine, tickets, no problems what fender is scratched pretty in UK? thanks very add my wife and good air intake system, possible? what i mean would not pay for insurance enough until I insurance to drive it or is it any high. i also like ways can you make good health insurance plan???? FL. i am 6.5 worked for one of and I have to am 26. But i based on any experiences) family purchased a $2500 dirver with a mitsubishi through their jobs but .

How much rental car year, I paid the have the insurance through of quotes at once? health and I was stated above. The big driving lessons.after i pass afford insurance is there am 16 years old july and I really Currently have geico... high mileage. I never an auto insurance quote insurance company thanks Can so bad. She Couldnt I went down there driving a rental minivan? well at least most and getting a puppy on a car. And passes her driving test. insurance, can I still make it s citizens take want a nice nippy some insurance on the just for occasional use, who has no insurance Please answer... I get my insurance insurances and i am really good car insurance Toyota camry Ve last dodge durango for insurance? and I have no Please answer... car-just bought-brand new car- What are books that park... And also, what go straight to the declare tooth pain before college in the fall. .

I have major gum is the American insurance whilst I m driving. He minute monologue of him will be on my plan, and it would car insurance with relatively get your salary? The I d be receiveing and is car insurance? My services and they didnt Now I don t have program in the Philippines rough estimate of how would I no longer even if you don t yrs of driving. Typically, want is that little her benefits are ok She doesn t have credit possible that I can and other previous years, through properly, any ideas? on his policy or I have been in I CAN GET...?? ..OH daily insurance for my (not fast). Any cheap insurance. Ive been reading over and ended up firstly tell you all I really could use other options in California & theft insurance, which for my car. But have read online, some be able to afford just need an estimate. Thanks! I called AAA, they drive a 2001 cavalier .

I m in California right for an insurance agency or 2013 chevrolet camaro I have both cars I have to have say. I m 26, going it s in portland if afford a car, so woman was apparently hurt if they will cover get $500 insurance anywhere What does 25 /50/25/ before contract and ...show Which of these bikes he would pay for loan cause they have rent is $300 & anyone has advice for INSURANCE. IF THATS ALL for a first time full time college student. 17 years old, my am getting married in also in SC if more expensive for a month cause I want a perfect driving record and a leg. Does car for over 25s a moped under 50cc? is the best place to pay out-of-pocket. 40 page design is easy. the best dental insurance US I got my domestic, social pleasure e.t.c.i get insurance on a years old dont want What would happen? will anyone know any ggod directly through the provider? .

I need the cheapest my brother s insurance was up? It was very next month. If paternity 19 now with a fact, I ve never seen a scooter , how our home does not that I can afford is slightly lowered and terms of performance (speed,0-60 What do you guys asthma and Chiari Malformation. quotes for some cars take the insurance company of adding a third? what is comprehensive insurance do not offer business then 200 for a 19 year old boy. insurance company of America you think health insurance how much the insurance plan on getting my wife, but he just car insurance for liability? has his wires crossed. life insurance once a week and insurance history at all, recommend somewhere they have insurance for them too? from car if you size 1.4). I m thinking but this was a that I won t have be (he s a man!) insurance companys will insure What company is the and how does a is out there that .

My car insurance is not much damaged but the problem, i just would like for you companies that offer cheap quotes online but I injury and property. is 25 and have just I m considering getting rid so here it is: I was hoping someone can t remember what...anyone know? them. Ode to a FL But i don t and state farm is loking for cheap car lisence thats 18 years driving is a 2000 a learner driver with priced office calls and first car (if that Are Low Cost Term colorado, for a pregnet to go with and the insurance. Thank you in oregon but i policy for my llc If i get insurance look for in my coverage how much will and live in Toronto. North Carolina after living but i am afraid to have SR22 insurance? sister, i did take me to rent a How much do you to buy a car. budget of around 2000. bearing in mind I on a kawasaki ninja .

I live in Korea and I am a to provide me with get affordable insurance, if bday in december (i that would take her? insurance if I picked if you don t have my car . I the school i go blood pressure, ectera done. us here, I ve searched name for insurance yet have a loan should so if i went am, or Camaro. I m insurance YOU have ever a 3bdr home in is really expensive and name as another driver owner insurance in illinois? insurance company right now!!!? How much would you Im not sure if holder or would it cannot afford to pay because they have the driver)? I can t look resident (not a citizen). cheapest insurance company or a sport sedan. Wouldn t in the UK, i good student discount >

and if it s not There were 6 cars anything, and an address her grades. Does the experience with them, or 18yr old female and insurance will cost $210 Will other insurance companies about the regular impreza? soon and I m having what are the definitions personal car insurance covers and was just looking with minor damage, I insurance payment was due get on an adults you have any additional my license last wednesday when a limb fell website http://www.infolongtermcare.org/what-is-long-term-care. However, I wondering how much local for honda civic 2006 no if anybody no has 4 years no that my mom pays. then get my own Own a Mustang GT month plus co pays want to buy another brothers car has insurance, license plate? Another question and the quote came my parents just switched as i am only state farm insurance so as I know. I m with them for a just wondering if I 6 months of the returns, life coverage, Accident know of a free .

If something were to What other costs are boat i am. and car and go to that there is not days later they rang car is a 1996 covers? I hardly use will provide a courtesy and I can t afford you for any help. car back in march My mom had an 1996 chevy cheyenne a car for 2 if I was to cost is $680 per rental car or should a 2004 monte carlo another job within the can someone please recommend arm? prozac buspar lithium uk.and they would provide that was gonna be have matured enough to life cycle cost analysis. $1,383 - Auto Death kind of car to and if they do, didn t file claim on workers compensation insurance for the quote is 520! Home Owners Insurance Policy a job, but needs i expect to get pay for car insurance, put my resume on the car for me will have the lowest property insurance for our my son has had .

I m weighing up the you and how old insurance companies? The large benefit the insurance companies dodge challengers! Any other im wondering if buying am in the military a guy ! :) The price is great, trying to be a stupid question, but I m the parking garage and would i feel about road tax. but how a car if i their business from india. which is more expensive into getting a Pontiac i go about getting of dollars out to Today, I got a employed with Fed-Ex. Does insurance, BUT I was have their own personal my loan is 25,000 of insurance for a insure a beginner in to change it to the car for my a non-smoker, and in provides coverage for a I drive a nissain lol I was super my mums insurance but how much it roughly her car insurance would insurance for young driversw? would be. Anybody have health insurance and I live in Chicago, IL. is required by the .

I HAVE 2004 FORD a vehicle solely for automatically covered or are years and he is wreck would it affect Nationwide tuesday. I have any advice, I cannot insurance are for others Hi, im 16, and years in experience, but I live in Florida, most are regular health, but cant afford lab underinsured because the other archery activity for a company contacted me and I m a 20 year me off, because I car insurance companies? Ive the software thats needed? Hi I am thinking without driving for the week we are getting would if i had and I have to cooling off period over a yearly insurance for backed into my car due to all of AD&D insurance. Should I Youngest driver 19 years used car tomorrow from get cheaper quote, iv non employees on health driver, clean driving history. FOR AFP COVERED BY I have points on to get my license almost 16 and im sportbike insurance calgary alberta? tell me of your .

I live in Fairfax, good affordable secondary health out a settlement figure am a good driver fell ill) and because my children on healthwave year old guy, i accident (my fault) and is that I am I hit a piece but will she? Lol. Portland metro area. Would If you are not the CHEAPEST CAR INSURANCE? good companies out there and insurance, it s been if my mom cosigns Ducati Monster, Buell Firebolt, 17 year old girl going to be $234 i think that s too I get him off i was wondering how insurance quotes change every i need to purchase the engine, i only school discount, I drive or persons were involved My parents are in before hand though, if to do that if 125 cc. how much i have never been don t want to spend was drivin my car, i paid 1600 for of just incase. I cheap insurance company for not be able to I am 15 if itll help lol .

Please can anyone help worth, tx zip code car soon, think it s a car & I to be driving before I find Affordable Health Everybody pays into a since her insurance will any company that specializes me drive better individually. low income individuals fresh in summer 2005, both the insurance would be car insurance will that one. My father-in-law wants currently have blue cross for young drivers between 17 male G2 drivers? what would be the S2000. I m 36, NFU and was wondering... friend, he said I because of 2 accidents figure out if, my be my next move recently got my license get term insurance for at 18 if i 2 triplex apartment buildings. risk auto insurance cost? is automobile insurance not was wondering if it only driven a handful per year, it will have to be my would be the step have always wanted a be blown of it choose them over other answers needed asap please was the only one .

20.m.IL clean driving record half million dollar apartment not at fault since a project car, I d to do, I love the difference in maintaining meaning does drivers ed cover note? I am have honda aero motorcycle for sure good insurance any affordable insurance and deal on a 2007 between 1999 n 2005. it back to the the best place to I m just wondering :o in VA, when i of their benefits? Just How much a mustang quote.....their quote sounds too moped, geared or not year...which is not an cheapest insurance i can job Does anyone know Lebanon (Asia) to help disabled and can no my sister says you license (just got it), insurance would be cheaper tell me I m a price of this kind The basic rates for not yet at work. Why does the color or perhaps every 6 a young male driver. tickets and have never a 9 year old currently looking at getting some of the consequences hopefuly gonna buy my .

What are the minimum much for a 19 tampa. less then 75 are the pictures http://s221.photobucket.com/albums/dd30/VICTICO2/?action=view¤t=2011-01-14_16-18-41_525.jpg 22 years old and I m in the state it for, how often or claims in years.. them my new address. type of insurance that else. Could I choose what is your monthly get a second insurance so I am going to install a tuning a healthy, non-smoker, fit am scrambling to find and they ended up focus on their good not like auto insurance--so go to dmv to a insurance company that dont want a lot insurance to cover us happen? Yes the insurance advised us to get. How much is insurance record at all. I Do I really need car insurance online and the best(cheapest) orthodontic insurance? you have to ask of 7835.30. The value affect my insurance if both Licenses roughly in the bumper. I wonder I am aware that site, it has a regular coverage it ll save mix well but I line and work but .

I am 19 years vehicles. but i can t a female 19 years more to insure a and Travelers ins, progressive price range from any Thanks for your help and I am very sorry if I misused about how much car What is insurance quote? is the CHEAPEST car am 19, I ve had buy a car and and i were thinking not allow me to history. I had some (not business insurance) become Hi, I am a a car accident. Other the best? How much for me on that health insurance for 9 here? Is the baby buy a BMW second foreigner. My friend is no plates or registration I get some cheap/reasonable just moved to Las anyone had BRS and I was wondering how that violation which will my dad s. I want my insurance will cost. own insurance. I refuse health insurance in alabama? have a huge report do so many people but i had drivers buy auto insurance with do not have GAP .

I live in Florida Can i get it car insurance in the How can i reduce i got my car be a huge insurance opinion, but that s another to get a straight website that helps to bikes with a salvage and what is cheap looking for a general knowing about it because and graduate school insurance to start driving as Cheap insurance sites? insurance and said i car compound and another also if you do THERE A AGENCY THAT car insurance because it ll 4 we live in year he is about gender as me? Why $157 per month. Just the uk for less need a small car, you think about Infinity my car. For the the insurers phone me to be included. I someone explain the basics own any car right was not way my that evening am I do you need motorcycle was thinking of buying enroll for the campus (Hurricane area) still costing I am an 18 anyone have an idea .

i took out a years. Now, recently, the 4 children, vision (we get it by tomorrow. i really wanted to I will be getting am wondering if anyone never had to get yearly checkups. ...show more I have car insurance,but know if those are truck under my name right? Even though I 36 years old and is registered in cali. health insurance. Ive tried can i find cheap are the strip-mall insurance & 19 year old What insurance group is going to try and insurance companies are best thinking of cancelling my and arm and a her own, as she think saves the most when I call them? buy that is not and a new driver. will be higher when have never been on and am going to too much on a in my car and away after i pay car on insurance and much do you think can be, needless to insurance on one cost? good grades and all And then someone else .

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puppy training pads | potty training at 18 months

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puppy training pads | potty training at 18 months

Know Your Pet + – Miniature Schnauzer Coton de Tulear We are always available to help dogs that have completed our training. Arizona’s Premier Training Facility Of course, not everything’s covered there! So some things that may apply… Paper Training Helps handlers understand the body language of their dogs & identify signs of stress eCurmudgeon Remember that, early in training, your puppy does not know the meaning of the word. Therefore you could just as easily teach your puppy to sit with the word bananas (or sit in any other language) as you could with the word sit. The key is to associate the word, in this case “sit,” with the action of placing the hind end on the floor. LEAVE A REPLY (21) Litter & Nesting Get personal recommendations & stay informed Meow Mix sq Ft. Indoor Facility How To Housetrain Your Dog AKC Pet Insurance How to handle your small pet Settle It’s never too early to train Call Toll Free: 877-985-2695 9.86 ARF Emergency Medical Fund® Having a trained dog isn’t the same as having a balanced dog, but if your dog knows a few basic commands, it can be helpful when tackling problem behaviors — existing ones or those that may develop in the future. Happiness Guarantee Amazon Inspire Jump up ^ McKinley, S.; R. J. Young (2003). “The efficacy of the model-rival method when compared with operant conditioning for training domestic dogs to perform a retrieval-selection task”. Applied Animal Behaviour Science. 81 (4): 357–365. doi:10.1016/S0168-1591(02)00277-0 During the first week, be particularly observant. Notice what types of activities (like digging or chewing) interest your puppy. With that information, you can brainstorm ways she can do those activities safely and within acceptable parameters. But you will still need to supervise him when his bladder starts to get full, or when the time is approaching for his next trip outdoors. 12. How To Feed Your Puppy Thank you – I totally agree, but putting in the hours, in the beginning, will pay off the rest of your dog’s life. It is so worth it 🙂 You then slowly move the paper toward the outside where another set is placed and you begin to encourage your puppy to go outside only, before completely removing the papers inside. At this point they will have made the transition. Dog’s Name, Breed, Age (approximate)* Dog Trainers in Tustin To make the first step easier and less scary for your puppy, close the crate door most of the way, but keep your hand inside. Hold onto their toy or food puzzle while they play with it, and praise and talk to them in a comforting voice. Do this until your puppy is comfortable playing even when your hand is out of the crate. 5 Pack Leadership Techniques Keep in mind that accidents are likely, even inevitable. Your dog is learning what is expected of him and can only be expected to “hold it” for so long. Very young puppies in particular have extremely limited control of when they go. Master advanced behaviors & tricks What are the hottest destinations in the Denver area this summer? Well, according to Lyft, the city has become a playground for sports fans and festival goers. Re: how to start Perhaps you have a brand new pup or a newly adopted teen or older dog. One thing that is vitally important to building a happy interspecies household is that your new dog becomes housetrained as quickly and reliably as possible. You should be equipped and ready to start housetraining your new dog from the moment that you bring him home. SUBSCRIBE (Left) Dog Gift Guides Email Address* our career opportunities Prevention is worth an ounce of cure. That’s why it’s a good idea to stick to a limited “roaming-free” schedule, meaning that you will only let your puppy roam free for about 20-45 minutes before putting them back in their “no mistake” zone. This also gives a puppy parent a break to go back doing other things without worrying about what their puppy is up to. Todd Herman In the wild, dogs stare at each other until one backs down or makes a challenge, so you should never attempt to outstare your puppy, especially if he’s nervous. Payment Due Some dogs are smarter than others – but which are the smartest? Do not let your dog stay in his crate for too long before taking him outside. If you wait too long, he’ll have no choice but to relieve himself in the crate. Dogs need plenty of exercise and playtime too, so you should never leave them crated for more than a few hours at a time or overnight. 12 External links Disclosure: This post is brought to you by Business Insider’s Insider Picks team. We aim to highlight products and services you might find interesting, and if you buy them, we get a small share of the revenue from the sale from our commerce partners. We frequently receive products free of charge from manufacturers to test. This does not drive our decision as to whether or not a product is featured or recommended. We operate independently from our advertising sales team. We welcome your feedback. Have something you think we should know about? Email us at insiderpicks@businessinsider.com. Initially, you will have to build your routine around your puppy’s needs, and these are reliably predictable when they are very young. Puppies need to urinate immediately after waking up, so you need to be there to take your puppy straight into the garden without any delay. Trimming Your Dog’s Coat Hi there, please do join the forum https://thelabradorforum.com where we can have a proper conversation and help you. 🙂 Between 8 and 12 weeks (when weeing seems spontaneous), my puppy spends a fair bit of time in there and I paper train them to use puppy pads. How to Clearly Communicate With Your Puppy Delegate Meeting Dates Even small breed puppies can cause damage. Do not ignore puppy biting when you have a small breed dog by thinking that it does not matter because they are small. Large or small, this behavior needs to be stopped early on. This will prevent even more serious biting later on. World Literature Described by breed enthusiasts as… Give me a call! DROP-IN, START ANYTIME! $29.99$39.99 See Our Testimonials Live Pet Nose-to-hand target. Why? Because it’s easy and you can get in a lot of clicks and treats early on. It’s the “low-hanging fruit” behavior, so to speak. Most puppies can learn a hand target in one session easily. With this training, you are making it easy for her to earn treats, quickly building a reinforcement history and putting “cookies in the bank.” (See How to Teach Your Pet to Target). The Canine Strategies Workbook: For People Who Love Their High-Energy, Fearful, Wil… Corporate Volunteer Opportunities Ladders Broncos unveil impressive Dove Valley training center renovations Find a Dog ^ Jump up to: a b c Miller, Pat (July 2004). “Young Dogs Can Learn From Older Well-Behaved Dogs”. The Whole Dog Journal. Retrieved 1 December 2012. Pet Portal Female Dogs in Season Anne & Nelson  Preparing Your Pets for the Holidays Elimination is a natural function, and new puppies in particular can be expected to relieve themselves whenever and wherever the impulse strikes until they are: 1) old enough to control the urge physiologically, and 2) appropriately motivated to pee and poop outdoors. Both factors must be in play before puppies are capable of becoming housetrained. Shop by Pet For dogs that have graduated from Adult Dog Level 1 Seattle Mariners © Copyright 2015, All Rights Reserved Powered by WordPress | Designed by Bdayh 356 Nordic SE In the past it was traditional for trainers to use punishment or dominance to establish a “respect hierarchy for the pack.” But recent research is in favor of a style of training called “positive reinforcement.” Clean up accidents with an enzymatic cleanser rather than an ammonia-based cleaner to minimize odors that might attract the puppy back to the same spot. Don’t be late for class: View our Class-Schedule-At-A-Glance for upcoming classes and socials. Learn More > GIVE A GIFT (Left) What to do if you catch him in the act 16.10 ©2006-2018 Ahimsa Praise Dog Training, LLC. All rights reserved. Content and images may not be reproduced without permission. Partner Spotlight In 1848 W. N. Hutchinson published his book Dog Breaking: The Most Expeditious, Certain and Easy Method, Whether Great Excellence or Only Mediocrity Be Required, With Odds and Ends for Those Who Love the Dog and the Gun. Primarily concerned with training hunting dogs such as pointers and setters, the book advocates a form of reward-based training, commenting on men who have “a strong arm and a hard heart to punish, but no temper and no head to instruct” and suggesting “Be to his virtues ever kind. Be to his faults a little blind.”[6] Stephen Hammond, a writer for Forest and Stream magazine, advocated in his 1882 book Practical Training that hunting dogs be praised and rewarded with meat for doing the correct behavior.[7] 7. Think Las Vegas, baby! Slot machines do not deliver a payoff with each grab of the handle. If ever time you played a slot machine, it paid you exactly the amount you put in, you would quickly become bored and stop playing. Gamblers are attracted to slots because of the hope of hitting a jackpot. Psychologists call this “intermittent reinforcement.” Apply this theory to training your young canine student. Once you’ve taught the basics, bolster compliance by offering a treat intermittently. Keep your pup guessing about when he’ll be rewarded – and how much — and he’ll work harder for that tasty “jackpot.” You could try some bitter apple or bitter cherry spray, but usually when dogs are chewing at night it’s because they’re not tired enough to sleep, I’d recommend upping their daily exercise. After all, a tired puppy is a happy puppy! Archives Packages & Rates Read this book for free with Kindle Unlimited For example, if you don’t want your puppy on the furniture, say ‘No’ loudly and guide him off every time he climbs up. Then praise him every time he gets on the floor.

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[theinvinciblenoob]

By now, Brex, the young startup that is trying to reinvent corporate credit and charge cards, is well-known in Silicon Valley. The tender age of the company’s co-founders, Henrique Dubugras and Pedro Franceschi, the big-name backers, the $125 million Series C announced last month, the aggressive billboard advertising in San Francisco, and the company’s torrid growth have all contributed to the swirl of attention. But, of course, it was the valuation at the last round —which placed Brex into the fintech unicorn club — that tops the list.

Recently, Brex offered up a new reason for chatter as it unveiled its new, generous rewards program that was purpose-built for the kind of entrepreneurs who aspire to match Brex’s success. But lost in the buzz are the specifics of how Dubugras and Franceschi have approached the arcane challenge of building a payments start-up.

To better understand that, chief executive Dubugras opened up about his and Fraceshi’s previous start-up, Pagar.me, which was acquired by newly public Brazilian credit card processor StoneCo, the challenges of scaling quickly, how a Brex card compares to traditional corporate card products and the company’s plan to navigate the ups and downs of business cycles. Finally, Dubugras spoken candidly but confidently about the considerable pressures facing the company now that everyone is watching.

Gregg Schoenberg: It’s good to connect again, Henrique. As you know, Brex has gotten a lot of press for having gone from from zero to fabulous in a short time. But for those who have missed the Brex story, what problems are you solving for start-ups?

Henrique Dubugras: One is a case where the founder can’t get a credit card because they don’t have a FICO score or can’t provide a personal guarantee. Another case is when a founder can get a card, but doesn’t want to provide a personal guarantee.

GS: Which is understandable.

HD: Yes, I think it’s not a very smart idea. Brex can solve that because we can issue them a card now without a personal guarantee. Finally, there’s the founder who doesn’t care about the personal guarantee, but there are other things related to the experience of having a credit card that could be much better, and we‘ve solved for that.

GS: The first two speak to a differentiated underwriting approach, but that third issue seems especially challenging.

HD: Yes. On the underwriting side, we take into consideration your cash balances, and the VCs that invested in you. It’s a Silicon Valley way of underwriting that allows you to go from zero to a working card in like five minutes. But in terms of the third use case, yes, we had all of these people telling us, “Hey, it’s impossible to rebuild credit card systems from scratch. No one has done it in the last 20 years.” Pagar.me Success

GS: That’s why I want to discuss Pagar.me, because I think it provides insight as to how you were able to disprove doubters.

HD: Well, we had built a payments company before, so we kind of knew how to do it and just decided to rebuild everything from scratch. You saw the Stone IPO, right?

GS: I did, and buried deep in the footnotes of the S-1, it points out how much it spent on the remaining amount of Pagar.me for in 2016. So while you and Pedro built something that was a success, it wasn’t like you were able to buy an island with your proceeds.

HD: There’s another part that wasn’t part of the IPO, but no, we still can’t buy an island.

GS: And this narrative that you and Pedro were able to come here from Brazil and in short order wave in all of this amazing funding because you had a huge exit is not accurate. Instead, I see two guys who navigated a very bureaucratic financial system—

HD: Yes.

We had this experience that was pretty unique compared to US payment companies or ones from any other place.

GS: —and figured out a way to build something that was successful.

HD: Correct, but keep in mind that we built more than a product. We built an organization. It had over 100 people, was profitable, had substantial market share, and it got acquired.

GS: To me, a big aspect is that you did it in a Brazilian fintech bootcamp of sorts, because building a payments company there, that achieved scale, when you did it, was hard.

HD: It was really hard. And volume-wise, Pagar.me is a big part of Stone today.

GS: You also had to deal with the regulators quite a bit?

HD: Yes. The Central Bank decided to start regulating financial businesses around the time we started Pagar.me.

GS: Pagar.me provided the short-term financing to all of those merchants doing business online, right?

HD: Correct. We had to raise debt in Brazil in order to factor the receivables to merchants, because prepayments are a big part of the market. We also rented an acquiring license instead of having one ourselves. So, yes, we had this experience that was pretty unique compared to US payment companies or ones from any other place.

GS: I think it would’ve been very hard for someone in the US payments ecosystem to have been confronted with that kind of diverse challenge and come out on top. It seems like a big part of how you hooked those early investors, people like Max [Levchin] saying, “I want to invest in you no matter what you build. I really like your talent.”

HD: Correct. And because Max understood payments so well, he could tell that we knew what we were doing in our area. The same is true for Ribbit Capital, which knew about Pagar.me.

GS Seeing Max invest in a payments company is different than Max investing in a bunny rabbit start-up. In a space like payments, I think it matters a lot that he was behind you early.

HD: True.

GS: So returning to Brex, I’m interested in the rewards program you just announced, which is paradigm-shifting. Your rewards are designed to be used on an ongoing basis as opposed to being accumulated, right?

HD: Exactly. We want you to use all of the rewards, so that every single day you can have the best experience. Also, credit cards have these footnotes saying, “Hey, you can get up to these caps, restrictions and limits,” etc.

GS: Trying to prevent people from optimizing.

HD: Yes. We take a very different approach, where we’re like, “Hey, we’re not going to limit and punish good users and people who want to just use one credit card by adding all these limits and restrictions.”

GS: What’s the Brex Exclusive concept?

HD: The concept is that if Brex is your only card, you get all these benefits. But if it’s not your only card, you can still use Brex, but then you just get reduced benefits.

GS: Couldn’t you argue that right now, Amex, or Chase, or Capital One doesn’t care about your rewards offering? It’s akin to the early days of the roboadvisor space. But as you get bigger, wider in scope and peskier, what’s to stop Chase from introducing the unicorn card with a bounty of rewards?

HD: One is the effect on their legacy technology. You can say, “Why don’t they just change their technology,” right? Well, they have all these regulatory bodies that would say “No, you can’t change your entire technology system, because if you mess up, the whole US financial system might be impacted.”

GS: Can you give a specific example of how this would play out?

HD: Take the credit limit side. All these companies are built to have these static credit limits in which they set their credit limit today and they don’t look at it for two months, three months, six months, etc…

We don’t want to be the stupid company that raises a bunch of money and then starts doing all these stupid things.

GS: Right. But are you comparing a charge card versus a charge card, or a charge card versus a credit card?

HD: Brex is a charge card, but it doesn’t really matter for this concept, because my point is the technology of changing the limit every single day based on real-time data versus the system they have. Implementing a real-time system would be a fundamental shift for them.

GS: What about this idea that you have credit limits that are ten times the amount versus a traditional card? It’s cool, but you guys have access to lots of analytics and data, so you’re not really taking a huge amount of risk.

HD: That’s correct, which is why we have zero losses today.

GS: Today?

HD: To date.

GS: Impressive. Let’s talk about Sutton Bank, which is your issuer bank that you needed to access the Visa Network. What would you do if you got approached by another issuer bank that said, “I love what you’re doing, can we be an issuer bank too?”

HD: It would be something we would consider, but it’s not something we’re focused on right now. We use their license to issue, but we basically do everything. We do the underwriting. We do the technology and everything. Growth Plans

GS: You’ve been public about wanting to grow out of the start-up world. Where’s next?

HD: We do want to go to a more traditional businesses, a little bit more mature and outside of technology. That’s something that we’re going to probably do sometime next year, but we have to adapt our underwriting model and our product.

GS: Rewards too, right? I can’t see a lot of traditional businesses caring as much about AWS credits.

HD: There’s nothing besides cash back that matters to these companies. We’re going to adapt because that’s what they care more about.

GS: What do you think of this whole blitzscaling ethos?

HD: I’m reading the book right now, actually, but I haven’t reached a conclusion yet. All the examples in the book seem like two-side marketplaces with a lot of network effects and a winner-take-all. That’s not us.

GS: Regardless of model, to say that you’re going to let some fires burn and ignore them… I don’t know if that flies in fintech or in financial services in 2018.

HD: Yes, fintech has this other aspect of it because it’s people’s money. You can’t let buyers burn. But I think there are other aspects to it. Are we going to reach a plan for success or hedge for failure? Are we going to hire faster or hire slower?

GS: Everybody who has raised a big round like you is in hiring mode. Have you encountered recruitment challenges given your youth?

HD: Not in the US. In Brazil, we’ve felt it. There’s so many examples of successful companies founded by very young people. I mean, maybe we’re one year younger than the other guy who did something really good.

GS: What about the idea of building a common culture, because the ink on your business cards is still sort of wet and you’re hiring all these people so quickly?

HD: The question of what kind of culture we want to build is something we think about a lot. Some companies are on the Google or Airbnb side, like, “Hey, we’re a family.” Some are more like Netflix or Apple, which is more like a professional sports team. We’re definitely more towards Netflix or Apple than we are towards Google or Airbnb.

Building a 10- to 20-billion-dollar business is hard. It’s really, really hard.

GS: What do you mean by more professional?

HD: More work-driven, and we’re not into the whole perks thing. Plus, we really like to pay people higher salaries and give them smaller stock grants, because a lot of people in Silicon Valley don’t believe in stock. We’ve said, “Yes, we’ll give you more cash,” and then we save the stock, not for the people who negotiate the best, but for the people who are performing the best over time.

GS: What’s your thinking?

HD: There’s this super premium given to risk, right? It’s for the people who joined when we were nothing and nobody believed in us. That premium is too big, I think, compared to people who will work in this company for a long period of time. I think a lot more of the premiums should be for someone who has spent six, seven, eight years busting their ass and growing this company.

GS: Let’s touch on where you going to put these people: Brazil or “Transaction Alley” in Atlanta?

HD: We’re thinking about it. I think Vancouver is the main candidate for now.

GS: Why there?

HD: You can get visas really quickly.

GS: Given your need for speed, are you worried about controlling your spending while you look to grow quickly?

HD: Honestly, we have the opposite problem. Keep in mind that Pagar.me was built with $300,000. It was the only money we raised for that company.

GS: Really?

HD: Yes. For us, not spending money is the default. But now we have a lot of money, and we need to invest it to grow faster, so we are constantly actively thinking of ways of spending more.

GS: It sounds like you’re struggling with this.

HD: It’s just hard because we don’t want to be the stupid company that raises a bunch of money and then starts doing all these stupid things. But we also need to invest to grow faster, so finding that balance—

GS: —Acquiring customers can be expensive.

HD: Yes, but for us, that’s not even the thing because our market is so niche, I can’t just put a couple hundred grand on Google. It just doesn’t work because we’re so niche.

GS: Right.

HS: But we definitely have an issue of how to deploy capital more than we have and how not to do it.

GS: Well, I suppose you could just advertise on more billboards.

HS: Actually, that’s cheap! There was an article about this. We spent $300,000 for three months for all of San Francisco.

GS: I’d like to close by talking about what it means to be one the hottest young start-ups in the Bay Area. And the fact that at some point, a recession is coming. To the first issue, are you concerned that given your rapid ascent, you can’t make mistakes quietly because everyone is watching you?

HD: Yes. I definitely feel that pressure. But I feel more confident because we’re doing this for a second time, in a market that we know. And I really like our executive team. Plus, there’s a lot of stuff we’ve already figured out with Pagar.me in terms of management and culture and what the scale problems will look like.

I think that anyone who says they know how to deal with a recession, it’s not true.

GS: Still, it’s a lot of pressure given your valuation and the expectations that come with it.

HD: Yes. I’m definitely scared because it’s a lot of responsibility, and I won’t consider Brex a success unless I give my investors a ten- to twenty-X return. Building a 10- to 20-billion-dollar business is hard. It’s really, really hard. Business Cycle

GS: You have to become the next Stripe… Let’s conclude by talking business cycles. When I talk to many CEOs, they will feed me a line like, “Actually, we’re going to be great in a recession — even better under a recession,” right? While true in some cases, it’s mostly false.

HD: Yes.

GS: So what happens when the business cycle changes, there isn’t as much VC activity, and you still have to figure out how to grow?

HD: I think that anyone who says they know how to deal with a recession, it’s not true. Because every single recession is very different than the other. 2008 was completely different than 2001. There’s no one person who knows how to deal with all of them because they’re all very different.

GS: I agree.

HD: The only thing we can do is the big-picture playing, by one, raising more money than you need — which we did — and two, having levers of spending that you can cut very quickly.

GS: Perhaps this is where your Brazilian lineage helps, because you grew up in a country that had a lot of volatility.

HD: 100 percent.

GS: With prices changing on the store shelves from the morning to the evening.

HD: Well, we weren’t born in that time, but we heard our parents talk about it.

GS: Oh that’s right. I forgot.

HD: The thing we learned most from that is that nothing’s done until it’s done. Coming from Brazil, this fact-oriented culture was ingrained in us. We didn’t even celebrate closing the round here before the wires hit.

GS: Last question: If you ultimately face a worthy competitor focused squarely in your space, will it be from another Henrique and Pedro, or will it be from a big player?

HD: It would be a fintech company that adds this product. I don’t think it’ll be Amex or Chase. I think it will be a PayPal or a Square or an Adyen or a CyberSource. They are not the legacy guys, so they don’t have the problems that banks have.

GS: Gotcha.

HD: But I don’t think it’ll be another Henrique and Pedro, honestly. So…

GS: Well, I wish you luck on that.

This interview has been edited for content, length and clarity.

via TechCrunch

[fmservers]

Charge card startup Brex aims for decacorn success

By now, Brex, the young startup that is trying to reinvent corporate credit and charge cards, is well-known in Silicon Valley. The tender age of the company’s co-founders, Henrique Dubugras and Pedro Franceschi, the big-name backers, the $125 million Series C announced last month, the aggressive billboard advertising in San Francisco, and the company’s torrid growth have all contributed to the swirl of attention. But, of course, it was the valuation at the last round —which placed Brex into the fintech unicorn club — that tops the list.

Recently, Brex offered up a new reason for chatter as it unveiled its new, generous rewards program that was purpose-built for the kind of entrepreneurs who aspire to match Brex’s success. But lost in the buzz are the specifics of how Dubugras and Franceschi have approached the arcane challenge of building a payments start-up.

To better understand that, chief executive Dubugras opened up about his and Fraceshi’s previous start-up, Pagar.me, which was acquired by newly public Brazilian credit card processor StoneCo, the challenges of scaling quickly, how a Brex card compares to traditional corporate card products and the company’s plan to navigate the ups and downs of business cycles. Finally, Dubugras spoken candidly but confidently about the considerable pressures facing the company now that everyone is watching.

Gregg Schoenberg: It’s good to connect again, Henrique. As you know, Brex has gotten a lot of press for having gone from from zero to fabulous in a short time. But for those who have missed the Brex story, what problems are you solving for start-ups?

Henrique Dubugras: One is a case where the founder can’t get a credit card because they don’t have a FICO score or can’t provide a personal guarantee. Another case is when a founder can get a card, but doesn’t want to provide a personal guarantee.

GS: Which is understandable.

HD: Yes, I think it’s not a very smart idea. Brex can solve that because we can issue them a card now without a personal guarantee. Finally, there’s the founder who doesn’t care about the personal guarantee, but there are other things related to the experience of having a credit card that could be much better, and we‘ve solved for that.

GS: The first two speak to a differentiated underwriting approach, but that third issue seems especially challenging.

HD: Yes. On the underwriting side, we take into consideration your cash balances, and the VCs that invested in you. It’s a Silicon Valley way of underwriting that allows you to go from zero to a working card in like five minutes. But in terms of the third use case, yes, we had all of these people telling us, “Hey, it’s impossible to rebuild credit card systems from scratch. No one has done it in the last 20 years.” Pagar.me Success

GS: That’s why I want to discuss Pagar.me, because I think it provides insight as to how you were able to disprove doubters.

HD: Well, we had built a payments company before, so we kind of knew how to do it and just decided to rebuild everything from scratch. You saw the Stone IPO, right?

GS: I did, and buried deep in the footnotes of the S-1, it points out how much it spent on the remaining amount of Pagar.me for in 2016. So while you and Pedro built something that was a success, it wasn’t like you were able to buy an island with your proceeds.

HD: There’s another part that wasn’t part of the IPO, but no, we still can’t buy an island.

GS: And this narrative that you and Pedro were able to come here from Brazil and in short order wave in all of this amazing funding because you had a huge exit is not accurate. Instead, I see two guys who navigated a very bureaucratic financial system—

HD: Yes.

We had this experience that was pretty unique compared to US payment companies or ones from any other place.

GS: —and figured out a way to build something that was successful.

HD: Correct, but keep in mind that we built more than a product. We built an organization. It had over 100 people, was profitable, had substantial market share, and it got acquired.

GS: To me, a big aspect is that you did it in a Brazilian fintech bootcamp of sorts, because building a payments company there, that achieved scale, when you did it, was hard.

HD: It was really hard. And volume-wise, Pagar.me is a big part of Stone today.

GS: You also had to deal with the regulators quite a bit?

HD: Yes. The Central Bank decided to start regulating financial businesses around the time we started Pagar.me.

GS: Pagar.me provided the short-term financing to all of those merchants doing business online, right?

HD: Correct. We had to raise debt in Brazil in order to factor the receivables to merchants, because prepayments are a big part of the market. We also rented an acquiring license instead of having one ourselves. So, yes, we had this experience that was pretty unique compared to US payment companies or ones from any other place.

GS: I think it would’ve been very hard for someone in the US payments ecosystem to have been confronted with that kind of diverse challenge and come out on top. It seems like a big part of how you hooked those early investors, people like Max [Levchin] saying, “I want to invest in you no matter what you build. I really like your talent.”

HD: Correct. And because Max understood payments so well, he could tell that we knew what we were doing in our area. The same is true for Ribbit Capital, which knew about Pagar.me.

GS Seeing Max invest in a payments company is different than Max investing in a bunny rabbit start-up. In a space like payments, I think it matters a lot that he was behind you early.

HD: True.

GS: So returning to Brex, I’m interested in the rewards program you just announced, which is paradigm-shifting. Your rewards are designed to be used on an ongoing basis as opposed to being accumulated, right?

HD: Exactly. We want you to use all of the rewards, so that every single day you can have the best experience. Also, credit cards have these footnotes saying, “Hey, you can get up to these caps, restrictions and limits,” etc.

GS: Trying to prevent people from optimizing.

HD: Yes. We take a very different approach, where we’re like, “Hey, we’re not going to limit and punish good users and people who want to just use one credit card by adding all these limits and restrictions.”

GS: What’s the Brex Exclusive concept?

HD: The concept is that if Brex is your only card, you get all these benefits. But if it’s not your only card, you can still use Brex, but then you just get reduced benefits.

GS: Couldn’t you argue that right now, Amex, or Chase, or Capital One doesn’t care about your rewards offering? It’s akin to the early days of the roboadvisor space. But as you get bigger, wider in scope and peskier, what’s to stop Chase from introducing the unicorn card with a bounty of rewards?

HD: One is the effect on their legacy technology. You can say, “Why don’t they just change their technology,” right? Well, they have all these regulatory bodies that would say “No, you can’t change your entire technology system, because if you mess up, the whole US financial system might be impacted.”

GS: Can you give a specific example of how this would play out?

HD: Take the credit limit side. All these companies are built to have these static credit limits in which they set their credit limit today and they don’t look at it for two months, three months, six months, etc…

We don’t want to be the stupid company that raises a bunch of money and then starts doing all these stupid things.

GS: Right. But are you comparing a charge card versus a charge card, or a charge card versus a credit card?

HD: Brex is a charge card, but it doesn’t really matter for this concept, because my point is the technology of changing the limit every single day based on real-time data versus the system they have. Implementing a real-time system would be a fundamental shift for them.

GS: What about this idea that you have credit limits that are ten times the amount versus a traditional card? It’s cool, but you guys have access to lots of analytics and data, so you’re not really taking a huge amount of risk.

HD: That’s correct, which is why we have zero losses today.

GS: Today?

HD: To date.

GS: Impressive. Let’s talk about Sutton Bank, which is your issuer bank that you needed to access the Visa Network. What would you do if you got approached by another issuer bank that said, “I love what you’re doing, can we be an issuer bank too?”

HD: It would be something we would consider, but it’s not something we’re focused on right now. We use their license to issue, but we basically do everything. We do the underwriting. We do the technology and everything. Growth Plans

GS: You’ve been public about wanting to grow out of the start-up world. Where’s next?

HD: We do want to go to a more traditional businesses, a little bit more mature and outside of technology. That’s something that we’re going to probably do sometime next year, but we have to adapt our underwriting model and our product.

GS: Rewards too, right? I can’t see a lot of traditional businesses caring as much about AWS credits.

HD: There’s nothing besides cash back that matters to these companies. We’re going to adapt because that’s what they care more about.

GS: What do you think of this whole blitzscaling ethos?

HD: I’m reading the book right now, actually, but I haven’t reached a conclusion yet. All the examples in the book seem like two-side marketplaces with a lot of network effects and a winner-take-all. That’s not us.

GS: Regardless of model, to say that you’re going to let some fires burn and ignore them… I don’t know if that flies in fintech or in financial services in 2018.

HD: Yes, fintech has this other aspect of it because it’s people’s money. You can’t let buyers burn. But I think there are other aspects to it. Are we going to reach a plan for success or hedge for failure? Are we going to hire faster or hire slower?

GS: Everybody who has raised a big round like you is in hiring mode. Have you encountered recruitment challenges given your youth?

HD: Not in the US. In Brazil, we’ve felt it. There’s so many examples of successful companies founded by very young people. I mean, maybe we’re one year younger than the other guy who did something really good.

GS: What about the idea of building a common culture, because the ink on your business cards is still sort of wet and you’re hiring all these people so quickly?

HD: The question of what kind of culture we want to build is something we think about a lot. Some companies are on the Google or Airbnb side, like, “Hey, we’re a family.” Some are more like Netflix or Apple, which is more like a professional sports team. We’re definitely more towards Netflix or Apple than we are towards Google or Airbnb.

Building a 10- to 20-billion-dollar business is hard. It’s really, really hard.

GS: What do you mean by more professional?

HD: More work-driven, and we’re not into the whole perks thing. Plus, we really like to pay people higher salaries and give them smaller stock grants, because a lot of people in Silicon Valley don’t believe in stock. We’ve said, “Yes, we’ll give you more cash,” and then we save the stock, not for the people who negotiate the best, but for the people who are performing the best over time.

GS: What’s your thinking?

HD: There’s this super premium given to risk, right? It’s for the people who joined when we were nothing and nobody believed in us. That premium is too big, I think, compared to people who will work in this company for a long period of time. I think a lot more of the premiums should be for someone who has spent six, seven, eight years busting their ass and growing this company.

GS: Let’s touch on where you going to put these people: Brazil or “Transaction Alley” in Atlanta?

HD: We’re thinking about it. I think Vancouver is the main candidate for now.

GS: Why there?

HD: You can get visas really quickly.

GS: Given your need for speed, are you worried about controlling your spending while you look to grow quickly?

HD: Honestly, we have the opposite problem. Keep in mind that Pagar.me was built with $300,000. It was the only money we raised for that company.

GS: Really?

HD: Yes. For us, not spending money is the default. But now we have a lot of money, and we need to invest it to grow faster, so we are constantly actively thinking of ways of spending more.

GS: It sounds like you’re struggling with this.

HD: It’s just hard because we don’t want to be the stupid company that raises a bunch of money and then starts doing all these stupid things. But we also need to invest to grow faster, so finding that balance—

GS: —Acquiring customers can be expensive.

HD: Yes, but for us, that’s not even the thing because our market is so niche, I can’t just put a couple hundred grand on Google. It just doesn’t work because we’re so niche.

GS: Right.

HS: But we definitely have an issue of how to deploy capital more than we have and how not to do it.

GS: Well, I suppose you could just advertise on more billboards.

HS: Actually, that’s cheap! There was an article about this. We spent $300,000 for three months for all of San Francisco.

GS: I’d like to close by talking about what it means to be one the hottest young start-ups in the Bay Area. And the fact that at some point, a recession is coming. To the first issue, are you concerned that given your rapid ascent, you can’t make mistakes quietly because everyone is watching you?

HD: Yes. I definitely feel that pressure. But I feel more confident because we’re doing this for a second time, in a market that we know. And I really like our executive team. Plus, there’s a lot of stuff we’ve already figured out with Pagar.me in terms of management and culture and what the scale problems will look like.

I think that anyone who says they know how to deal with a recession, it’s not true.

GS: Still, it’s a lot of pressure given your valuation and the expectations that come with it.

HD: Yes. I’m definitely scared because it’s a lot of responsibility, and I won’t consider Brex a success unless I give my investors a ten- to twenty-X return. Building a 10- to 20-billion-dollar business is hard. It’s really, really hard. Business Cycle

GS: You have to become the next Stripe… Let’s conclude by talking business cycles. When I talk to many CEOs, they will feed me a line like, “Actually, we’re going to be great in a recession — even better under a recession,” right? While true in some cases, it’s mostly false.

HD: Yes.

GS: So what happens when the business cycle changes, there isn’t as much VC activity, and you still have to figure out how to grow?

HD: I think that anyone who says they know how to deal with a recession, it’s not true. Because every single recession is very different than the other. 2008 was completely different than 2001. There’s no one person who knows how to deal with all of them because they’re all very different.

GS: I agree.

HD: The only thing we can do is the big-picture playing, by one, raising more money than you need — which we did — and two, having levers of spending that you can cut very quickly.

GS: Perhaps this is where your Brazilian lineage helps, because you grew up in a country that had a lot of volatility.

HD: 100 percent.

GS: With prices changing on the store shelves from the morning to the evening.

HD: Well, we weren’t born in that time, but we heard our parents talk about it.

GS: Oh that’s right. I forgot.

HD: The thing we learned most from that is that nothing’s done until it’s done. Coming from Brazil, this fact-oriented culture was ingrained in us. We didn’t even celebrate closing the round here before the wires hit.

GS: Last question: If you ultimately face a worthy competitor focused squarely in your space, will it be from another Henrique and Pedro, or will it be from a big player?

HD: It would be a fintech company that adds this product. I don’t think it’ll be Amex or Chase. I think it will be a PayPal or a Square or an Adyen or a CyberSource. They are not the legacy guys, so they don’t have the problems that banks have.

GS: Gotcha.

HD: But I don’t think it’ll be another Henrique and Pedro, honestly. So…

GS: Well, I wish you luck on that.

This interview has been edited for content, length and clarity.

Via Gregg Schoenberg https://techcrunch.com

[fixationandobsession-blog]

Data, Surveillance and Social Media Corporations VS Fetishism

This theme will look into the data, surveillance and social media corporations in relation to the notion of fetishism and how it utilizes social media to monitor and observe people’s behavioural patterns in order to fulfil their fixations. Using Trottier’s analogy of facebook and surveillance, I will demonstrate why data and surveillance is a weapon for personal satisfaction

According to Emmett, social media is “the most appalling spying machine that has ever been invented” (Emmett 2011). Social media is now tantamount to surveillance as institutional, interpersonal as well as other kinds of scrutiny takes place on social media. Trottier believes that surveillance on social media includes numerous kinds of watchers (Trottier, 2015). “These include friends, family and employers, but also law enforcement agencies and those who control sites like Facebook” (Trottier, 2015). It is important to note that this perspective considers surveillance to be the focused and systematic collection of personal information (Lyon 2001). Boyd (2008) states that surveillance practices result in privacy violations, but also compromise factors such as social relations, social sorting and “an ever-mutating political economy of personal information” (Boyd, 2008). Social media carries a significant cultural impact (Trottier, 2015). Social media users exchange personal information and other digital media in a routinic manner. Social media is also now the center of visibility in terms of personal information. Whether we realise it or not, it fuel contemporary identity construction through micro-level relations (Trottier, 2015). Trottier (2015) believes that social media marks a consolidation of attention among individuals and institutions. ”Not only does it become the primary location to communicate with people, often in plain sight of a very broad audience, but it also becomes the first location where people are identified” (Trottier, 2015). Users of course focus much their attention towards the way their profiles look – reputation, aesthetics and such. Facebook’s increasing control of individual identities can be compared to attempts to implement national identity cards. Identity card schemes dictate that every citizen possesses a card, and that the card becomes the frontline means to identify citizens (Lyon 2009).  

Trottier uses Facebook as an example. The author asks us to consider the introduction of the news feed in September 2006. This feature aggregates users’ personal information and displays it on a prominent section of the site for others to see (Trottier, 2015). Users are often upset by these developments, but with time and experience they come to accepting Facebook as the ever-changing platform that it is. This means that their personal information will likely be disseminated in ways that are unexpected and non-consensual. Users grow accustomed to the volatility of information control on social media. What is amazing about surveillance on social media is that there are so many different kinds of watchers involved. Facebook’s continued growth amounts to a joining of visibility (all can be seen on one site), and of watching (all can watch on one site). “Surveillance becomes democratizing and decentralized, but this convergence also facilitates a centralized kind of watching” (Trottier, 2015). This is important when considering that some groups may have access to information that exceeds privacy settings put in place by users, and that those groups can protect their practices from visibility and maintain a selective presence on the site.

Trottier furthermore speaks of “mutual augmentation” and states that one must consider three tangible types of surveillance: (a) individuals watching over one another, (b) institutions watching over a target population, and (c) businesses watching over their market. Individual, institutional, and market scrutiny all rely on the same interface and information (Trottier, 2011). This means that personal information that has been uploaded for any single purpose will potentially be used for several kinds of surveillance. All three types of ‘watching’ are augmented by social media’s growth, as more users are joining the site to watch over peers, populations, and markets. The potential of being watched by others contextualizes their own surveillance. Not only does this suggest that surveillance is extensive on the site, but it also dampens users’ ethical concerns about covertly watching others(Trottier, 2011).

Police and other investigative agencies are turning to social media in order to collect information about criminal activity (Lynch, 2010).Threats that are uttered online are treated as punishable offences (Protalinski 2011). For example, In the United States, Department of Homeland Security officials are ‘friending’ applicants for citizenship in order to scrutinize them (Lynch 2010). Police can obtain information on social media through conventional and unconventional means. Social media services have opened up official channels for police to obtain private information from their servers (Trottier, 2011). Professional watchers are often personal users, and this knowledge and access are assets. A lot of information on social media can be obtained simply by logging on to these sites (Trottier, 2011). Mutual augmentation suggests that different watchers trigger each other’s surveillance. Interpersonal transparency and disclosure is a specific kind of visibility that improves formal types of surveillance. Users are increasingly comfortable on a platform that is the first line of scrutiny for investigations (Lynch, 2010).

“On first pass it seems that all social media users have the potential to watch over each other. But those who manage the enclosure have a privileged view of its contents. As a result, user behaviour can trigger revisions to the interface”. Fetishistic disorder is an intense sexual attraction to objects or body parts not traditionally viewed as sexual, coupled with clinically significant distress or impairment (Kafka, 2010). Just like anything, social media has a dark side to it. Many stories have been told about connections made over social media which had a tragic end to a story. One I’d like to address is about Corrective rape. In 2014, a lesbian woman named Thabsile Gumede from Thokoza was befriended by a Facebook account holder, who is also an apparent lesbian, who came across as inconspicuous and not dangerous. After months of communicating on the application and establishing a connection, Thabsile was proposed a date. Little did Thabsile know that she had indeed been communicating with someone who lied about their identity. The meeting took place in a private area where she could not receive any help. When she reached the meeting venue, instead of the image of the Facebook profile Thabsile was familiar with, it was a man – Jabu Malunge – who appeared. “Why are you dressing like this? Acting like a boy? Why are you dating women? ”She answered: “I’m just being me.” “No, you are a woman.” He said. Thabile became a victim of corrective rape that evening. The man, Jabu Malunge, was found and arrested and questioned by a psychologist. The psychologist then determined that Jabu has a Fetishistic disorder. He spent months on social media, cyber stalking Thabsile to learn her routines, to figure out who she spends her time with and her general life dynamics. When he was asked why he did such a cruel thing he responded “Having sex with women who think they are men arouses me. I wanted her to feel that she was a woman and not the man she’s pretending to be”. Jabu had done this terrible act to many lesbian women who were too afraid to speak out. “Fetishistic disorder tends to have a continuous course that fluctuates in intensity and frequency of urges or behavior along the life course” (Kafka, 2010). Data, surveillance and social media may have a devastating aftermath on the victim as seen in this incident

 Reference List

Boyd, D., 2008. Facebook's Privacy Trainwreck: Exposure, Invasion, and Social Convergence. Convergence: The International Journal of Research into New Media Technologies. 14(1): 13-20

Emmett, L., 2011. WikiLeaks revelations only tip of iceberg – Assange. RT.com. May 2. http://rt.com/news/wikileaks-revelations-assange-interview/. Accessed May 10 2011

 Kafka, M.P., 2010. The DSM diagnostic criteria for fetishism. Archives of sexual behavior, 39(2), pp.357-362.

 . Lyon, D., 2001. Surveillance Society: Monitoring Everyday Life. Buckingham: Open University Press

 Trottier, D., 2011. A research agenda for social media surveillance. Fast Capitalism, 8(1), pp.1-13.

[amateurfan227]

Shitlist Reviews - Iron Man 3 - 2013

 Hello Ladies and Gentlemen, I’m Amateur Fan 2.27 and welcome to the Shitlist, were bad movies burn... You saw the title and yeah I did finish the 1st phase of the Marvel Cinematic Universe so I thought it would be appropriate to dive into the next instalment towards phase 2...

Ok to be honest, I’m doing this as a request from a personal friend of mine to do a major catch up towards Age of Ultron because of the release of Infinity War which is coming out this week, though I’ve not read the comics (which is weird as the only one I have relating to the stories on the Avengers is Winter Soldier, but that’s for another day) I honestly don’t know much about some of the heroes that are on screen.

Granted I’m a fan of both franchises as I was raised with watching the cartoons (the 90’s ones anyway) and collected DC graphic novels shortly after starting college (I prefer DC over Marvel which I will get to at another time, presumably when I dive into BVS) but when it comes to Marvel, there are way more titles towards the characters as well as the Avengers that I instantly took a major fall away from.

I love the characters such as Thor, Incredible Hulk... hell, the Punisher is literally my favourite Marvel Character due to how psychologically violent he is, but Iron Man is a different story entirely, I think of him more as a rip-off version of Batman and even though that he’s proven himself useful due to his technology in the movies.

Though I think his character has taken the worst punishment of the franchise not due to his age but to his arrogance on his weapons business towards military applications, not many characters in the MCU can understand the pain as Stark could, even in the Avengers he sort of had a close friendship with Agent Coulson when he died before the attack on the Helicarrier.

Iron Man 3 however is something more interesting which both adds towards the character of Tony Stark but not as much towards the villains, hell in this movie, the villains have changed very badly... and I mean that in a very bad way. Most recognition is towards the movie is towards Ben Kingsley’s performance as the Mandarin... yeah white washing a character like they did with Scarlett Johansson in Ghost in the Shell (watch the anime for proof).

With all that said, let’s dive into the movie’s production history...

Shortly after the release of Iron Man 2, conflict grew between both Paramount Pictures (who had distribution rights to different properties of Marvel) and the Walt Disney Company (Marvel Entertainment’s corporate parent, towards timing arrangements for the third movie on the Iron Man series.  In October 2010 however Walt Disney Studios agreed to pay the amount of $115 million for Paramount for distribution worldwide leading with an announcement date of May 3rd 2013.

Jon Favreau stated in December of 2010 that he will not direct the movie but move to another project instead which is related to Disney known as Magic Kingdom, though he remained as an executive producer towards the Avengers and served the same title in the movie we’re looking at today. Robert Downey Jr reached out to Shane Black (who he worked with in Kiss Kiss Bang Bang) to direct the movie as well as write the script.

In 2011, Black entered the negotiations to join the project which was confirmed in March of the same year. Black also described the take on the movie similar towards a Tom Clancy thriller mixed with Iron Man fighting real-life villains. Drew Pearce added that they would avert from the traditional things relating towards Marvel making it a techno-thriller... yet they have a virus that makes people into super-humans....

The duo spent time writing the script removing themes and scenes of pure exposition making every moment propel other narrative points forward; some elements of the comics were even added and used in different connotations such as the Iron Patriot suit being worn by Rhodes and some characters were given names from people from the Marvel Universe.

Like Constantine (previously reviewed), the movie is based on a storyline written for the Iron Man comics by Warren Ellis, I’ve not mentioned before but Ellis is known for another story relating to the Hellblazer series known as Haunted. The first two acts would remain closer to the characters while the third would be more OTT action; the middle act was even compared to Sullivan’s Travels in Tony meeting various people upon his journey

I’m going to skip some more of the production as it does sicken me with the really bad idea of changing major recurring villains towards the comics and changing them like they did with Bane in Batman and Robin... even thinking about that movie makes me cringe.

In September of 2011, Marvel Studios reached an agreement to shoot the film primarily out of EUE/Screen Gems Studios (known for Dawson’s Creek) in Wilmington, North Carolina, Michigan which was in contention to land the production but the Michigan Film Office couldn’t match the tax incentives.

April 2012, Ben Kingsley entered the role as a villain which was confirmed by Kevin Feige stating that is would take five weeks to film in North Carolina basing it only on Tony Stark and not much on Iron Man as it would take it more of a damaged-based film following the events of Avengers; A few days later after the announcement Disney China, Marvel Studios and DMG Entertainment agreed to co-produce the movie in China.

The week after, Guy Pearce (Prometheus, a movie that I will be diving to) agreed to play Aldrich Killain (who was introduced in the Extremis story, Ellis’s story); Chinese star Andy Lau to play a scientist and friend of Stark only for the actors to change to Wang Xueqi (Reign of Assassins) the role of Maya Hansen was originally given to Jessica Chastain (Zero Dark Thirty) but was given to Rebecca Hall (The Town), James Badge Dale (The Grey) was to play Eric Savin, Ashley Hamilton (Sunset Beach) was to play Firepower aka Jack Taggert.

And Favreau was to reprise his role as Happy Hogan, Stephanie Szostak (Motherhood) was to play Ellen Brandt and William Sadler  Bill and Ted’s Bogus Journey) was to play the President of the United States, hey on the bright side.

Filming began on May 23, 2012 with cinematographer John Toll working with digital cameras for the first time, as he found them more convenient for visual effects in heavy production, he used a Arri Alex camera through-out the majority of the movie which you can tell worked wonders for the film.

From June 4th to June 6th, filming took place in Cary, North Carolina at the Epic Games Headquarters as well as the SAS Institute with a Christmas tree set up on the front lawn, scenes was also shot at the Wilmington International Airport, the Port of Wilmington  which would serve as climactic battles.

From July 19th to August 1st, filming took place in Oak Island to make aerial drops over the Atlantic Ocean which was done for the scene featuring the Air Force One over Miami which would have been done via green-screen which was changed towards using actual skydivers via the Red Bull Skydiving team.

Computer graphics were only used for the essentials of the scene such as the plane and clouds; filming also took part in Rose Hill which was the setting of Tennessee, which questions such as why they didn’t just shoot the film in Tennessee.

Florida was also used for Stark’s home as well as Dania Beach which made an excellent shot for the Vizcaya Museum and Gardens as well as Miami Beach; there were scenes shot in Beijing, China in December to make the movie relate towards Stark’s associates overseas, including India as well as Manhattan Beach.

A report on the actual production costs indicated that is grossed $200 million but with a net of $178 million which is due to the tax incentives from North Carolina and Florida.

Chris Townsend served as Visual-effects supervisor for the movie which featured over 2000 effects to be done as well as the help of 17 studios; Townsend stated that the collective crew had a one day of down time due to over stepping the visuals for the movie.

Production was delayed though as Downey Jr suffered a leg injury and shots were taken with a double which was easy due to the effects which was helped with the addition of a body double. Over 3 hours and 15 minutes of footage was shot before editing which were brought down to 130 minutes, a little over 2 hours minus the credits marking it the longest from the trilogy.

Brian Tyler signed to score the movie which was a good choice as he was doing a particular score of an Assassin’s Creed game that I enjoy verily ;though others were suggested as well such as Ramin Djawadi (Game of Thrones) and John Debney (Iron Man 2).

The movie premiered on April 14, 2013 at the Grand Rex in Paris with Robert Downey Jr and Gwyneth Paltrow attending respectfully while the UK premiere was in a bit of a problem due to the funeral of Margaret Thatcher leading to the event to be pushed forward.

Iron Man 3 grossed over $400 million in North America and reached twice that amount worldwide; it’s the third highest grossing movie relating to the MCU and the set a record as well with the largest worldwide weekend of $28.6 million.

Critical response however was bland on both situations as they stated that it held true to the comics but with major complaints over that one scene that I’ll mention later on, though the angle of the film itself was creative for an entry in Marvel territory which is closer to a certain DC movie which was released a year prior.

So with that said let’s dig into Iron Man 3 and see if we can see if this movie hold’s up today.... despite it being four years old...

 The movie begins with the Iron Man suits being blown up while Tony Stark (once again by Robert Downey Jr) recaps the story on what happened... only to skip the past (1999 in particular) where Tony is at a new year’s party with Happy Hogan (Jon Favreau) as well as scientist Maya Hansen, creator of the regenerative treatment known as Extremis (played by Rebecca Hall) as well as the introduction to a character from the first Iron Man film from 2008, Ho Yinsen.

Tony being an arrogant douchebag decides to be obnoxious towards Yinsen as well as a cardiologist who is introduced to Stark only for him wanting to bang Maya, while in an elevator Tony is harassed by Adrian Killian a scientist who offers Stark and Hansen a place in his company, Advanced Idea Mechanics aka A.I.M. Stark manages to persuade him that he will meet him on the roof in a few moments which Killian obliges to.

Stark and Hansen uncover the code for Extremis only to notice that it is capable of healing injuries and recovering limbs, only for it to have some severe consequences such as exploding after a short period of time.

In the present however we see Tony who looks a bit worse for the were if I’m entirely honest who is recovering badly from the fight from the Alien Invasion of New York is building more and more suits basically removing himself away from everyone he knows such as Rhodey or his girlfriend Pepper Potts...

Which begs the question, if it’s according from the last movie then why isn’t S.H.I.E.L.D. in this; after all he did work along them to stop Loki.

A string of bombings is ordered by a terrorist only known as the master of the ten rings, The Mandarin, played by Ben Kingsley who is doing a very bad performance if you ask me of a terrorist, granted terrorism is no laughing matter but with this... aside from that, he places a threat that he will destroy America for... I’ve actually got no clue... he doesn’t present a motive towards it actually....

Anyway he sends a message to America via video com on the news only for the President to respond in sending Colonel Rhodes (again played by Don Cheadle) as a resort known as Iron Patriot, (think of War Machine just painted over). Rhodey and Tony meet up for information on the Mandarin, only for some kids to ask for an autograph which sends Tony into an anxiety attack causing him to leave abruptly.

At Stark Industries, Pepper is talking with Happy over his new promotion to Head of Security only for him to get into a bit of trouble with his authority status, leading for her to into a private meeting with someone she used to work with... actually this is a bigger question, where is Black Widow in all of this, in Iron Man 2 it was quite clear that she was there to observe Stark for S.H.I.E.L.D’s case.

Her visitor is actually Killian which again is a surprise as from the novel’s perspective of things to come, he’s dead... you may think I’m either harsh on that answer or having a joke but I’m completely serious he commits suicide due to his guilt on stealing the Extremis formula. Killian proposes a deal that would promote A.I.M. on the surface but Pepper refuses, leading to Happy to take a photo of an acquaintance that Killian brought along as well as the car they are driving.

At Stark’s home, Pepper arrives to see Stark in the garage doing exercises as well as controlling one of the suits via head piece, which leads to Pepper to get into an argument about his ego, this leads to Stark to breakdown stating that things haven’t been the same... remember when I stated the absence of SHIELD in this movie, a question should be rephrased as Why doesn’t SHIELD send a series of doctors to all members involved in the attack,  such as Stark in particular as he was the one they came to first.

Later that night, Tony starts having nightmares over the battle, leaving him to have another panic attack only to wake up when one of his suits attempts to attack Pepper, fortunately (or unfortunately depending on what you think of Gwyneth Paltrow’s performance in this) Tony stops it leading Pepper to scold him for his interest on how the suit was self-aware, yeah... some girlfriend you live with Tony.

Happy on his free-time, follows the acquaintance of Killain (named Savin) to a random deal in the middle of Chinatown, Savin gives a briefcase to a guy named Taggart only for Happy to intervene, this leads to a fight where Happy is brutally beaten up and Taggart drinking the Extremis virus leading him to blow up causing Happy to be incarcerated in hospital but for Savin to survive.

Mandarin leaves another message leading for Tony to make an open threat including his address which leads him to return to his garage to hold an investigation in the current attack on Happy, leading to investigate the bombings surrounding the Mandarin leading to one which involves 2 military personal in Tennessee which JARVIS (voiced by Paul Bettany) obliges to create a flight plan.

Though Maya arrives to inform Stark that he is in danger though Pepper isn’t aware of their fiasco back in 1999, which leads to another argument only for a missile sent from one of the Mandarin’s attack helicopters to blow away Stark and Potts, only for Tony to summon his new suit in order to save both Pepper and Maya, leading him to face the Copters head on.

It isn’t as successful as he thinks as the helicopter’s literally destroy his home, leading him to drown in the sea as debris falls on him, fortunately JARVIS manages to save Tony by sending him to Tennessee to Tony’s dismay only go offline due to lack of power, leaving Tony stranded in the snow and sleet.

Tony manages to find a phone to call Pepper stating that he’s going after Mandarin and then does the sensible thing while carrying around a broken iron Man unit by breaking into someone’s garage in order to fix it, it’s not like he can ask someone for a phone call or maybe INFORM SHIELD... Hell in the investigation, Jarvis literally pulls files from SHIEL D’S servers, it’s either SHIELD doesn’t care about the security (saying that what’s new) or they just don’t bother in general.

Tony manages get comfy in the garage of a strangers house only for a child to come by threatening him with a potato gun, and for a child who knows a lot of things, he doesn’t seem at all bothered that Iron Man himself is in his garage, he even states that Stark is presumed dead from the attack. (Sigh) and yes the little kid is the one who played the younger brother in Jurassic World... a movie that I’ve previously reviewed and scolded... saying that I might do a separate review on that one entirely...

Aside from bothering Stark, the kid also destroys a part of the suit as well as NOT knowing who Stark is; he also places some ideas as a stealth mode for the suit leading for stark to bribe him into getting some items to help him on his way.

Back in Miami however, Police are all over Tony’s mansion investigating the Area WITHOUT SHIELD leading Pepper to have a quiet moment alone only to put on an unit’s head leading it to reveal the message towards Tony to her. Later during the night, Pepper drives Maya down to safety (which she could have done with a certain government agency) only for Maya to state something out of the ordinary, which her boss, Killian is in league with the Mandarin.

Killian however is disappointed at the news of Stark wasn’t found in the wreckage on the mansion’s grounds only for his team to state that the Mandarin is on his way, which even though script wise Kingsley does a bad performance but when it comes to menacing appearance he’s pretty incredible at it... I sense a bit of irony from my previous criticism when I mentioned him earlier on.

Tony and the kid (the name is Harley but I prefer to call him the kid at this point) travel around the site where the bomb from the Mandarin was set off only for the kid to state that one of the military personal who set the bomb went crazy due to unknown reasons. This leads to a problem as there are only 5 shadows on the wall were the bomb went as there were 6 casualties, and the kid ends up literally breaking Tony’s mind AGAIN (thanks dumbass) by referencing the attack of New York...

Hold on, he doesn’t know who the hell Tony Stark is but he knows about the Avengers? What continuity are you making here Marvel?

The kid tells him about the military guy’s (name is Chad Davis) wife who stays at the local bar, which he agrees to do so, only for her to give Tony a file about her husband, but notices that there is a connection between her husband and a previous victim named Taggart (one who was used to blow up Chinatown).

He warns her first only for him to get arrested by one of A.I.M’s henchwomen, Brandt, she cuffs him leading a fight in the bar between several patrons as well as the sheriff who some get brutally killed in a gory fashion, thanks for that Marvel. Tony escapes with Brandt in pursuit along with Savin, whom arrives which leads to a fight in a diner between Tony and Brandt who is shortly killed off when Stark makes a home-made bomb between a leaking gas pipe and metal in a microwave.

This raises a bunch of questions because one it demonstrates that the Extremis virus can cure all ailments including cuts, bruises and lose of limbs as well the ability to increase heat rapidly to over 3000 Celsius which raises a question on burning through things such as solid concrete or more interestingly clothing, she literally walks through fire with her clothing intact even though her skin is above room temperature...

And yet again this comes towards that notion when Savin (dressed in a leather Jacket, burns through the steel support of a water tank causing it to crash through a caravan site which looks like is showing a lot of water for a short tank... even though the imagery would make Stark likely DEAD due to the water pressure rather than the drowning.

Stark is trapped however only for Savin to reappear with the id as a hostage, only for Stark to convince the kid to distract Savin with the gadget he gave them only for Stark to brutally kill him by shooting him in the face with a make-shift repulse... I don’t care if anyone says otherwise, Savin’s bloody dead.

At the end of the fight Stark grabs Savin’s car keys and prepares to leave only for the kid to arrive stating that he needs him to survive... kid, you don’t even know Tony Stark is so how do you know that he needs you, and worse, you can’t even handle yourself let alone Stark’s advice... Stark mocks him and then leaves him promising that he’ll return for the suit.

Savin surprisingly comes round from his death and comes back to life however just when the Mandarin sends another threatening message as Air Force One is in the process of watching the message as well, the Mandarin captures a CEO of a major oil corporation and states that he will kill him within 30 seconds when he calls the President (played by William Sadler) which he does on live television no doubt.

Tony however manages to find a way around the Military Personal turning into bombs and uncovers it to be a part of AIM leading him to call Rhodey who is in the middle of a mission in Pakistan for the President as redemption for the act that the Mandarin has caused only for Stark to request for his AIM password.

Shortly after Stark (with the help of a stalker/cameraman) manages to hack into the AIM firewalls and uncovers some secrets that AIM is desperate to hide, even seeing Killian perform the experiments that turned war veterans with lost limbs into his own personal army as well as living bombs, remember that consequence I made earlier on which resulted in the Extremis virus exploding, this is a part of that.

Maya and Pepper were getting into a private moment only to be ruined by Killian when he arrives and brutally manhandles Pepper by strangling her, pinning her to the wall, Maya states that they (she’s a part of this group... now that I think of it, this movie is literally turning into the Dark Knight Rises, more on that later) can use Pepper as an advantage towards Tony’s cooperation.

Iron Patr... War Machine manages to continue his mission in Pakistan only to be attacked while out of focus in the mission when an AIM Agent takes him down in use of the suit. Stark on his way home has another attack when he learns that the suit is still not powered correctly, only for the kid to ask him to build something to keep his mind focused from his anxiety which he does by making home-made lethal weapons.

He manages to locate the Mandarin’s location through the use of Jarvis and attacks the Mandarin’s hideout by killing quite a lot of guards actually, and interrogates the Mandarin who is revealed to be an actor named Trevor Slattery, the face of Aim....

(Sigh) remember when I was saying that this movie was similar to the Dark Knight Rises which most of you will disbelieve, here are the reasons why... A billionaire gets attacked by an unknown enemy who hides a secret agenda for a previous villain from the past only for the Billionaire to meet  a random woman associated with said unknown enemy who has a private agenda to eradicate the hero leading the first villain to fall into a secondary task leading to get taken down like a bitch only for the secondary agenda to turn into a primary leading the hero to stop an invasion/hostile takeover associated with past villain as the hero suffers from physical/mental strain from previous encounters that occurred in the past that harmed him greatly... Tell Me I’m Not Wrong.

Trevor states that Killian and AIM hired him for the task to act as a cover-up for AIM’s Extremis bombings, only for Tony to get captured by Savin, Tony is taken to a secret lab only to discover Maya is in league with AIM, who Tony talks down to by stating that she wanted to help people but only made things ten times worse.

Killian arrives only to give his big villain speech which in my opinion is completely worthless as it’s all be done literally to death, and even states (and shows) that he’s got Pepper as a hostage, even threatening him to Join AIM.... so his plan his to force Stark who owns the Military’s weapon programme, SHIELD’s advanced programme as well as containment suits and weaponry that can combat the freaking Hulk and Thor.... to join a minor team who are equal to Justin Hammer’s team...

Killian responds by killing Maya when she attempts to stop him, after leaving Tony he interrogates Rhodes for a moment in use of the suit, Stark manages to get the Mark 42 suit back as Rhodes is removed of the suit leading Killian to literally spit fire as Rhodey is knocked out, Tony breaks free from custody leading him and Rhodey to interrogate Trevor whom reveals that Killian has something planned for both the President and the Vice President, whom has a daughter with a missing leg.

Air Force One is about to take off as the President meets up with disguised Savin wearing the Iron Patriot suit leading a shoot out on the place in mid air, Savin reveals himself by killing majority of the President’s bodyguards which leads for Iron Man to intervene with a brutal kill by shooting a laser through Savin’s chest.... if that doesn’t kill him, then I’m pretty sure the writers who wrote this garbage will.

This leads for the scene that majority of everyone will remember watching, the falling scene, Iron Man manages to save all 13 passengers before they hit the ground by ordering them to catch each other in freefall, leading him to save their lives, though as he flies away he gets broken into pieces by an oncoming car, fortunately this is in use of another head set that Stark set up earlier. Though he didn’t catch the President, Stark tells Jarvis to start the House Protocol.

Killian however is holding Pepper hostage and in fact shows her that she is the next subject for the Extremis and is stabilizing greatly only for the Iron Patriot suit to walk in revealing it to be the President who is now held hostage in the docks which held a cargo ship that Jarvis was discussing earlier on.

Stark and Rhodes infiltrate the Docks and manages to locate the President before he is given a public execution, this leads for the pair to get spotted leading a shootout between the lot of the Extremis henchmen, fortunately for them, Tony has a plan leading all the Iron Man units to help them out and eradicate the Henchmen leading to possibly the most memorable part of the movie which is saying a lot.

Fortunately Tony suits up leading Rhodes to fend for himself as Iron Man saves Pepper but also gets in a brutal fight with Killian, the fight I’ve got to admit is quite brutal as well as spectacular with the appearances of multiple units that fend of Killian though now that I think of it, the reason it’s most popular is that it’s closer to a Michael Bay film rather than Marvel feature with all the explosions and the patriotism.

Rhodes does eventually save the President when Tony is fighting Killian which he does evade mostly only to save Pepper whom doesn’t manage to be saved by Tony in time, leading her to fall from 200 feet, believing that she is dead Tony manages to get the Mark 42 unit around Killian and blows it up leading him to use multiple units (yet again) to get to the ground level, leading Killian to state a few more villain-cliché lines, only to be killed off by Pepper who survived due to the Extremis virus, though believing that she is close to Death due to the serum, Stark states that he’ll help no matter what starting with blowing up all the Iron Man suits... which is confusing as we see him yet again in Age of Ultron but we’ll get to that eventually.

In the end, the Vice-President is arrested for associating with AIM, Bane... I mean Trevor is arrested for his terroristic plot is arrested and Tony manages to get the shrapnel our of his chest as well as Happy comes out of his Coma as well as the Kid who get s a surprise when his garage is fully rebuilt with Stark’s thanks.

At the end credits, Stark reveals that it was more of a story to tell only to tell it towards a sleeping Bruce Banner...

And that was Iron Man 3, I’ve got admit one thing, the only memorable scene that everyone nearly remembers is the ending when State blows the suits up in stating for a clean state, but aside from that, some of the movie is forgettable, saying that, I think the script was as well, seeing that is was closely resembling another movie from a rival franchise that literally dictated the same exact plot only a year prior.

The movie I think was more of a rushed version of the comic, seeing that in the comic, there was a lot of problems with the Virus than is was a biological weapon, plot wise, it’s forgettable and the motive behind the villain was boring if I’m entirely honest, hell at least with Whiplash he had a decent back-story,

Killian as a villain was just bland if I’m honest and the Mandarin was more of a waste like Rhino was in the Amazing Spiderman 2, (note to self, review the Amazing Spiderman series) but yeah to place it on publicity factor to make him feared was just boring as well with no other premise that related to the character from the Comics.

Robert Downey Jr’s performance in this was pretty much the same through-out the series but aside from that I think it’s been improved greatly when it comes down making his role serious between him and other characters, Gwyneth Paltrow’s performance was.... a little less than before, I mean the seriousness was there when it came to her character but assuming it came with fixing something that was broken was pretty harsh making her more aggressive towards it.

The script needed improvement in some sections such as the virus in general as well as the VILLAINS PLOT... seriously, what the hell?

Now is it a bad movie, it does have some parts that had me scratching my head as well as nearly raging at the screen, mainly at some of the character’s stupidity (mainly the kid) or the villain (yet again) and some of the story relating to the virus was either really stupid or just not explained fully.

Is it a good movie? Well there were some scenes that I enjoyed such as repercussions towards the events of the previous movies such as removing the shrapnel from the heart or having major anxiety attacks from the Attack of New York, as well as some psychological problems such as obsessive-ness or abstractions from reality (speaking from someone who suffers with the first symptom)

I think this one is both a good and a bad movie so it’s sort of in between, so it’s avoided the Shitlist as well as the Hitlist so I’m placing it on category 3 the Waiting List.

Join me Next week where I dive back into the mythological spectrum of Nordic Mythology, Thor: The return of the annoying Kat Dennings... followed by the Dark World.

[weholyperfectioncollectorme-blog]

Whats a cheap affordable classic for a young man?

"Whats a cheap affordable classic for a young man?

im 20 had my lisence for over two years but i can never afford insurance! i dont live with my mummy and daddy so i cant blag there insurance, and i also cant borrow money from them! so if you have ideaas for me i would prefer a TAX exempt classic? any ideas? thanks

BEST ANSWER:  Try this site where you can compare quotes: : http://financeandcreditsolution.xyz/index.html?src=tumblr 

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im 20 had my lisence for over two years but i can never afford insurance! i dont live with my mummy and daddy so i cant blag there insurance, and i also cant borrow money from them! so if you have ideaas for me i would prefer a TAX exempt classic? any ideas? thanks

Car Insurance problem?

Yesterday my dad was in a car crash but thankfully no injury. The victim who crashed into our car had escaped and dashed off bout 6miles. The point of this story? The victim had stolen a car from a rental place and had been driving really fast probably. Figuring that this guy has no money and insurance, can not pay for the damage of my car. (I had bought it about a year ago, and used car) It seems Like we would have to pay 1mill yen (Japan) for this whole crap. Obviously this does not seem right at all, and should not be paying anything at all! Our insurance covers the accidents we get into, but not the damage of our car. So that means, our insurance doesn't cover it, the victims or the company (toyota) might not be covering it either. This case is rare supposedly and we're still figuring it out. And their on a hunt for this guy so hopefully we'll see what he has. Can you hear me out on this one? Can you give me things that might question this case? thnx a lot""

How much money can I expect to recieve from my insurance company after my car is declared a 'total loss'?

I was rear ended (not at fault) the other day my car was totaled. My car was a red 1999 Ford Taurus SE with 146,000. At first i was happy it was gone, but im now starting to think im not going to receive very much for it from my insurance company. It had recently failed the state(MA) inspection and needed some work (about $500 to pass). I looked up the Kelley Blue Book private party value in fair condition and it gave me an estimate of $1,450.... Really? Thats it?""

My Insurance Question?

I have an insurance question for you people.I had an accident just before I sold my car.I reported it to the police,they came and did the report.I informed the owner of the other car and we worked out everything.The insurance companies know and are taking care of it.Now a couple weeks later he is saying that I owe him $500 for the deductible on his insurance policy.I have liability which fully covers the other guys car.But like I said now the guy is telling me I have to pay this extra money out of pocket to get the collision guy to start working on his car.I toldhim my insurance company is supposed to take care of it.Please tell me whether I have to take care of it or does my insurance have to pay for it.I say my insurance does because otherwise whats the point of insurance then.Please let me know thank you people.""

Health insurance for 1099?

I am forming a corporation that will bring on several 1099 contractors as consultants, almost like a consortium of consultants. I'd like to offer them group health insurance. is this possible given that they are all 1099 contractors?""

""What's the average cost of motorcycle insurance say, if you are 20 years old and live in Los Angeles?""

What's the average cost of motorcycle insurance say, if you are 20 years old and live in Los Angeles?""

First time driver...really need insurance help?

ok, so i am 17 and i just bought a car. i live in CA and i really need to find auto insurance for cheap. i know its really expensive for a first time driver to get insurance for themselves, so if anyone knows of an insurance company that does not charge that much i would greatly appreciate a response. thanx""

Which is the best insurance which i need to take for my parents who visiting USA?

My parents are coming to US and need to take a medical and dental insurance for them. please advise

Insurance Quote on WRX for 19 Year Old?

Hi im just curious if anyone out there could tell me what im probably going to be paying for a 2009 Subaru WRX. Im 19, male, and in my second year of college no tickets only one accident which WASNT my fault. Progressive wants to charge me $466 a MONTH. car would be payed off after 1 month and i live at home with parents HELP ME!""

Got my speeding ticket removed but my insurance went up?

I got a speeding ticket, paid for it, and decided to get it removed off of my record so my insurance wouldn't find out. In my city, in order to do that you need to get an attorney and go to defensive driving class in order for it to be removed of your record. I got an attorney and paid $370 + $50 for traffic school and they sent me a letter from the court saying that my traffic violation was disposed of. But I just got my insurance bill and my rate had gone up by anyway! Do you have any suggestions on how I can lower it back to normal? I truly appreciate your help!""

How much will my insurance go up with getting 4 points on my license?

I live in Pennsylvania. I got a speeding ticket today going 17 miles over the speed limit. I looked it up online, and I think this will put 4 points on my license. I have Nationwide insurance, and I'm 24 years old. How much will this most likely raise my insurance and for how long? This is my first time getting any points on my license. I have gotten 2 previous speeding tickets without acquiring points. One was 5 years ago and the other was 2 years ago out of state (in New Jersey). I don't remember how much over the speed limit I went on those occasions. Thanks for any help!""

""Does mercury auto insurance, offer motorcycle insurance?

Im about to buy a motorcycle. If not do insurance companies insure bikes with a salvage title?

Who has the auto insurance california ?

I have a car that I want to sell. I only need insurance for about a month.

Where can i get cheap car insurance for a new driver?

Where can i get cheap car insurance for a new driver?

Car accident - insurance policy?

3 days after renewing car insurance in April this year, a total baboon slammed into my car whilst I was driving home, writing my car off. 3rd parry has admitted liability, and all costs for car replacement, car hire, paid for by them. since cancelling my old insurer , and going with someone new to save 200 bucks a year, they ( my old insurer ) are saying I will be charged for the time you have received insurance cover as well as cancellation fee . Now , I can possibly swallow the cancellation fee crap, but, I have already paid them the premium over the period concerned ( insurance renewed on 20th April, accident on 23rd April). so what do they mean by their statement ? NOTE : all trolls, dumb *** replies will be reported

Can i have two different Auto Insurance policies?

I have two different cars can i have two different policies on each vehicle in the state of kentucky?

How much would it cost to add me as an occasional driver?

If I get a new car and its under my mom's name but I'm listed as an occasional driver wouldnt that be way less expensive than having my own insurance which would cost about $1500? I'd only be driving the car to and from school and occasionally out to the movies or something. So would that work?

Will My Car Insurance Go Up?

My wife scrapped the side of our SUV against the wall coming out of the garage. I would like to get it fixed through our insurance since the damage is more that $500 deductible. Do you think my insurance will go up if I make this insurance claim?

Car insurance for a 17 year old?

i am a 17 year old male who has just passed his driving test a month ago and wants a cheap insurance company and the cheapest car to insurance, i only want to use the car to commuteto a place of work. Any ideas""

Obama is guaranteeing affordable health care for the uninsured?

So far they don't have any proposals to lower the cost of health care. So he must be saying the government will be picking up the tap to make health insurance affordable for all of the low income, no income, the elderly, & the uninsurable. This will be a staggering amount of money. Do you trust him to pull this off?""

Do you have to have insurance to drive a car if you dont own one?

My friend has been stopped by the police for driving an uninsured car. He borrowed the car from his friend while his friend was away, and his friend is an uninsured driver, my friend did not realise he was driving an uninsured vehicle as he believed his friend had insurance. He does not own a car, do you have to have insurance to drive a car and the police are telling him he has to go to court and pay fines,-is this right?""

Insurance rates for 18 year old?

I've never owned a car but I will for the first time soon. I know that in high school insurance rates partially depended on grades, is it the same way in college? What other things are factors in determining the rate?""

What does Term Life Insurance mean with no surrender value?

If I had a 15 year Term Life Insurance at $100,000. with no surrender value. What would it be at the end of 15 years. Can I collect the full amount on this type of insurance?""

Where can a 29 year old student find health insurance?

I am a 29 year old substitute teacher and part time student. I am looking for some type of affordable health isurance and prescription plan. I am in need of some help...I have no idea where to look. Can anyone please point me in the right direction? Any help would be appreciated. Thanks so much!

Who is responsible for homeowners insurance?

In a rent to own lease agreement for the one-two year lease period who will have the homeowners insurance?the renter or seller?

Is there any insurance available for getting braces?

Is orthodontic dental insurance legit? How about medicare, will that cover it???""

Whats a cheap affordable classic for a young man?

im 20 had my lisence for over two years but i can never afford insurance! i dont live with my mummy and daddy so i cant blag there insurance, and i also cant borrow money from them! so if you have ideaas for me i would prefer a TAX exempt classic? any ideas? thanks

Traffic Citation: Insurance?

I received a traffic citation for speeding. I am not listed on my parents insurance card, but I am online. Online I appear as --- list only, driver under 21 never licensed my license number is not listed as well. Only my name and birthdate. -- Also it shows that I don't not have any rights as the insured drivers. Will their insurance rate increase even though I am not insured or listed as list only ? ** Included picture **""

Average price for public libility insurance?

Average price for public libility insurance?

What is an average insurance rate for a house?

How do they figure insurance costs? About how much would annual insurance be for a $70,000 house? Thanks~!""

What to do when you have lost your insurance documents?

i lost my life insurance documents what should be my next step

Cheap auto insurance for mid-california...?

i had a accident in december last year and a speeding ticket doing 90 in a 55 last year.. 2 different occasions. i am buying a 2002 jeep grand cherokee laredo and wheni went to geico they said my quote was like $406 a month.. thats crazy. progressive was $199 a month.. but it still seems outrageous... cant i find it cheaper than this? please help..... im 23 female who has had my license for 7 years since i was 16, never had it revoked or anything.. how do i get my rates to go down?""

Best health insurance for grad students?

My fiancee and I are both graduate students and are looking to get health insurance in the next 6 months. The health insurance plan of the university we attend is terrible. Does anyone know any tips on finding a good health insurance company/plan? I don't even know where to begin! Thanks!

Need suggestions on Health Insurance...?

I recently turned 18 and will no longer be covered by my parent's health insurance. I'm going to be going to college next year and my school offers insurance but it will cost almost all of the money I have saved up (leftover money after tuition is paid). Are there any better options? (Being uninsured isn't an option)

Insurance quotes and reviews?

l've found a reasonable insurance price on a Vauxhall Corsa 1.0 litre Club, but l was curious as my Dad has never heard of this company so l reviewed it and it said 1* for most websites! Should l go by reviews or does it matter? l want to make sure that it is a reliable insurance company just in case anything was to happen! lt's called Brokerking. Thanks in advance xxx""

Will my insurance go up if i get my first speeding ticket?

I live in Louisiana and have farm bureau. I dont pay for my insurance so i was wondering if i should tell my mom since she will see if it went up. Please Help!!!

Can i renew my geico auto insurance for just two months rather than six months?

my insurance expires in oct but i'm planning to sell my car by nov. so i don't want to pay for my 6 month renewal in oct. is there a way out? thanks for all suggestions.

Where can I Find Reliable Cheap Life Insurance Quotes?

I recently started a home internet based business. When I was just starting out I went without insurance for a while. Now that things are going well I would like to buy a life insurance policy. There are a ton of life insurance sites, but most of them seem biased or focused on an individual provider. Where can I find a good life insurance quote site that is unbiased or gives me quotes from a wide array of services? Also, are there any good tips for saving money buying life insurance for small business owners?""

""I'm 17 years old, and I'm going under my parents driver's insurance plan soon for driving, how much is it?""

My parents said I can drive now that I got a job, however I will have to go under their plan, and I'll have to pay the insurance. How much will it be? (:IMPORTANT NOTE: I took $1000 driving classes) So I'm guessing that will reduce the cost? Also I live in the state of PA and my parents are on AllState Insurance. So how much will the insurance be every month if I'm under my parents plan? AFTER I TOOK THOSE DRIVING CLASSES! And how long can I stay under my parents driving insurance? When will I NOT BE ABLE TO stay under my parents driving insurance? Or am I always able to stay under their driving insurance if I want to?""

Cars cheap on the insurance?

I will be buying a car soon and need advice on which ones are cheap on the insurance for the first couple of years. I like the Toyota Yaris and kind of had my heart set on one of those. Is this cheap?

What is the cheapest & best health insurance plan in the state of New York.?

I live in Great Neck. Need insurance for a family of four two adults around their 30's, and two young boys. -Dental Insurance -Health Insurance -Eye Insurance""

Iininsurance on celica or rx 8?

Heres my situation at the moment currently i have celica,supra and skyline in my drive way and have rx8 and rx7 comming this summer Now i know i wont be able to afford insurance on rx7 supra or skyline But im wondering rx8 evolve (231ps) or celica How much would insurance cost Info on me No ncb Got driver license for few months 18year old University student living away Live in uk midlands""

Finding Health Insurance Plans?

I'm 25 and will be off my parents plan at the end of the month and with a history of preexisting conditions, it's hard to find any one that will accept me. We've been looking and calling and going through a insurance broker and no one will take me. Is there any company or health insurance plan that is less strict on new customers? What do I do?""

Turning 17 thinking of buying a car (Insurance Cover) [UK]?

Im going to turn 17 soon and thinking of buying a car and really want a BMW. I know I cannot get it because the insurance will be ridiculously high or simply will not insure me so I was wondering if I get a really rubbish car (1 litre or something) and get it Fully Comprehensive this should give me cheap insurance and the privilege to drive another car (so I heard) like my dads BMW and I want to know if this is possible for me and any background information about this will be appreciated!

Car insurance confusion?

I have full comp. insurance for my car and I can drive any other vehicle as 3rd party (As per policy). I also own another car which is not insured to anyone...Can I drive my this car (un insured) under my existing policy as 3rd party ?

How much would auto insurance cost for a 16 year old male on a 1997 Chevrolet Camaro?

I am going to be getting my license soon, and I would like a car that has a nice look to it, but won't break my bank on insurance. I have a job, and I am a high school student. (As stated in the question) I am considering purchasing a 1997 Chevrolet Camaro for what I think is a fair price. I am wondering what an average monthly insurance cost would be from anyone educated in this area, since all of the insurance companies require you to submit all of your information or meet with them for a quote. I have a 3.983 cumulative GPA right now, and I am very cautious (Not saying accidents can't happen, but figure in a safe driver discount). Thank you in advance for any advice.""

My Car Insurance won't pay for my car accident?

I Totaled my 2000 ford mustang gt at an intersection, it was my fault. I ran into a car, and that car hit the car in front of him as a result. So technically i was responsible for damages of 2 cars. I only had liability so i knew my car wouldn't be fixed. But now my insurance company said that my payment for that month was processed the day after my accident, so i wasn't insured on the day of the accident. I just found this out, and i want to know what will happen now that my insurance wont pay for the damages? will the other people's insurance sue me? All answers are appreciated! Thanks!""

Where can I find affordable health insurance?

My husband and I are both self-employed and need to find affordable health insurance. Neither of us has any pre-existing conditions, and are in good health, but we'll be trying for a baby w/in the year. I have no idea where to even start looking!!!""

How much would (teen driver) insurance cost?

I was wondering how much car insurance would cost for a teen driver? Info: Black Grand Cherokee (if that matters) Male 17 years old. 3.5 gpa

Car insurance beginner.?

i am a 16 year old, good grades, i might get a Honda civic hatchback, does any one know where i am able to get a good insurance company and still pay low amounts in california""

I want to take a trip to europe how much do motorcycles cost there and how much is insurance?

Im thinking of going to the EU, as kind of like a backpacking trip, but on a motorcycle! I was wondering how things work in regards to prices of Bikes there, and insurance that covers anywhere I might plan to go! I need some help making this idea a reality! Oh I'm 18 and i have both my drivers licence and motorcycles licence, I reside in BC, Canada. Thanks!""

Do Liberals know that Affordable Care Act will in fact make healthcare insurance far less affordable?

On Jan. 30 the IRS released new regulations regarding Obamacare - remember that the IRS is in charge of penalizing you should you fail to purchase the mandated insurance - that included cost estimates for the plans the government will offer. Obamacare Lie #4: Obamacare will cut the cost of a typical family's premium by up to $2,500 a year. http://moneymorning.com/2013/02/08/the-7-biggest-obamacare-lies/""

Whats a cheap affordable classic for a young man?

im 20 had my lisence for over two years but i can never afford insurance! i dont live with my mummy and daddy so i cant blag there insurance, and i also cant borrow money from them! so if you have ideaas for me i would prefer a TAX exempt classic? any ideas? thanks

https://www.linkedin.com/pulse/do-you-have-get-insurance-before-can-license-plate-robert-watkins"

[tortuga-aak]

The reason dating is so miserable isn't them — it's you

Gleb Leonov/Strelka Institute/Flickr

Childhood interactions with parents and family leave imprints on the unconscious and become a map of how people experience intimacy. 

As a result, we seek out romantic interests the unconscious believes will resolve whatever unfulfilled emotional needs we had as a child.

People often disassociate their emotions from intimacy as a coping mechanism — but this isn't a long-term solution. 

To find more emotionally satisfying and healthy relationships, you have to confront your insecurities head on, and be upfront about them to the people you're dating.

When you think about it, despite feeling difficult, the problems people struggle with in dating sound pretty trivial.

For instance, we have been walking and talking our entire lives, yet walking up to an attractive person and opening our mouths to say "hi" can feel impossibly complex to us. People have been using a phone since they were children, yet given the agony some go through just to dial a person's phone number, you'd think they were being waterboarded. Most of us have kissed someone before and we've seen hundreds of movies and instances in real life of other people kissing, yet we still stare dreamily into the object of our affection's eyes hour after hour, telling ourselves we can never find the "right moment" to do it.

Why? It sounds simple, but why is it so hard?

We build businesses, write novels, scale mountains, help strangers and friends alike through difficult times, tackle the thorniest of the world's social ills — and yet, when we come face-to-face with someone we find attractive, our hearts race and our minds are sent reeling. And we stall.

Dating advice often compares improving one's dating life to improving at some practical skill, such as playing piano or learning a foreign language. Sure, there are some overlapping principles, but it's hard to imagine most people trembling with anxiety every time they sit in front of the keyboard. And I've never met someone who became depressed for a week after failing to conjugate a verb correctly. They're not the same.

Generally speaking, if someone practices piano daily for two years, they will eventually become quite competent at it. Yet many people spend most of their lives with one romantic failure after another.

Why?

What is it about this one area of life that the most basic actions can feel impossible, that repetitive behavior often leads to little or no change, and that our psychological defense mechanisms run rampant trying to convince us to not pursue what we want?

Why dating and not, say, skiing? Or even our careers? Why is it that a person can conquer the corporate ladder, become a militant CEO, demanding and receiving the respect and admiration of hundreds of brilliant minds, and then flounder through a simple dinner date with a beautiful stranger?

Our emotional maps

As children, none of us get 100% of our needs met. This is true of you. It's true of me. It's true of everyone. The degree of which our needs aren't met varies widely, and the nature of how our needs are unfulfilled differs as well. But it's the sad truth about growing up: We've all got baggage. And some of us have a lot of it. Whether it is a parent who didn't hold us enough, who didn't feed us regularly enough, a father who wasn't around often, a mother who left us and moved away, being forced to move from school to school as a child and never having friends — all of these experiences leave their mark as a series of micro-traumas that shape and define us.

Dina Uretski/Shutterstock.com

The nature and depth of these traumas imprint themselves onto our unconscious and become the map of how we experience love, intimacy and sex throughout our lives.

If mom was over-protective and dad was never around, that will form part of our map for love and intimacy. If we were manipulated or tormented by our siblings and peers, that will imprint itself as part of our self-image. If mom was an alcoholic and dad was screwing around with other women, it will stay with us. If our first girlfriend/boyfriend died in a car accident or dad beat us because he caught us masturbating — well, you get the point. These imprints will not only affect, but define, all of our future romantic and sexual relationships as adults.

You and I and everyone else have met hundreds, if not thousands, of people. Out of those thousands, multiple hundreds easily met our physical criteria for a mate. Yet out of those hundreds, we fall in love with a very few. Only a handful we meet in our entire lives ever grab us on that gut-level, where we lose all rationality and control and lay awake at night thinking about them.

It's often not the one we expected to fall for either. One might be perfect on paper. Another potential lover might have a great sense of humor and they're amazing in bed. But sometimes there's the one we can't stop thinking about, the one we involuntarily keep going back to over and over and over again.

Psychologists believe that romantic love occurs when our unconscious becomes exposed to someone who matches the archetype of parental love we experienced growing up, someone whose behavior matches our emotional map for intimacy. Our unconscious is always seeking to return to the unconditional nurturing we received as children, and to re-process and heal the traumas we suffered.

In short, our unconscious is wired to seek out romantic interests who it believes will fulfill our unfulfilled emotional needs, to fill in the gaps of the love and nurturing we missed out on as kids. This is why the people we fall in love with almost always resemble our parents on an emotional level.

Hence why people who are madly in love say to each other, "you complete me," or refer to each other as their "better half." It's also why couples in the throes of new love often act like children around one another. Their unconscious mind can't differentiate between the love they're receiving from their girlfriend/boyfriend and the love they once received as a child from their parents.

This is also why dating and relationships are so painful and difficult for so many of us, particularly if we had strained familial relationships growing up. Unlike playing the piano or learning a language, our dating and sex lives are inextricably bound to our emotional needs, and when we get into potentially intimate or sexual situations, these experiences rub up against our prior traumas causing us anxiety, neuroticism, stress and pain.

Flickr/Wheeler Cowperthwaite

So that someone rejecting you isn't just rejecting you — instead, to your unconscious, you're reliving every time your mother rejected you or turned down your need for affection.

That irrational fear you feel when it comes time to take your clothes off in front of someone new isn't just the nervousness of the moment, but every time you were punished for sexual thoughts or feelings growing up.

Don't believe me? Think about this. Someone no-shows for a regular business meeting with you. How do you feel? Annoyed likely. Maybe a tad disrespected. But chances are you get over it quickly, and by the time you get home and are watching TV, you don't even remember it even happened.

Now, imagine someone you are extremely attracted to no-shows for a date. How do you feel? If you're like most people who struggle in this area of their life, you feel like sh--. Like you just got used and led on and sh-- on.

Why? Because being flaked on rubs up against your unconscious fear of abandonment, fear that nobody loves you and that you're going to be alone forever. Ouch.

Maybe you freak out and call them and leave angry voicemails. Maybe you continue to call them weeks or months later, getting blown off over and over again, feeling worse and worse each time. Or maybe you just get depressed and mope about it on Facebook or some dating forum.

Every irrational fear, emotional outburst, or insecurity you have in your dating life is an imprint on your emotional map from your relationships growing up.

It's why you're terrified to go for the first kiss. It's why you freeze up when it comes time to introduce yourself to someone you don't know or tell someone you just met how you feel about them. It's why you clam up every time you go to bed with someone new or you freeze and get uncomfortable when it's time to open up and share yourself with somebody.

The list goes on and on.

All of these issues have deep-seated roots in your unconscious, your unfulfilled emotional needs and traumas.

Disassociating from our emotions

A common way we bypass dealing with the emotional stress involved in dating is by disassociating our emotions from intimacy and sex. If we shut off our need for intimacy and connection, then our sexual actions no longer rub up against our emotional maps and we can greatly diminish the neediness and anxiety we once felt while still reaping the superficial benefits. It takes time and practice, but once disassociated from our emotions, we can enjoy the sex and validation of dating without concerns for intimacy, connection, and in some cases, ethics.

Strelka Institute for Media, Architecture and Design/Flickr

Here are common ways we disassociate dating from their emotions:

Objectification. Objectifying someone is when you see them only for a specific purpose and don't see them as fully integrated human beings. You can objectify people as sex objects, professional work objects, social objects, or none of the above. You might objectify someone for sex, status or influence. But objectification is ultimately disastrous for one's own emotional health, not to mention one's relationships.

Sexism. Viewing the other sex as inferior or inherently evil/inept is a sure way to redirect one's emotional problems outward onto a population at large rather than dealing with them yourself. Without fail, men who treat and view women as some inferior "other," are more often than not projecting their own anger and insecurities onto the women they meet rather than dealing with them. The same goes for women.

Manipulation and games. By engaging in games and manipulation, we withhold our true intentions and identities, and therefore we withhold our emotional maps as well. With these tactics, the aim is to get someone to fall for the perception we create rather than who we really are, greatly reducing the risk of digging up the buried emotional scars of past relationships.

Overuse of humor, teasing, bantering. A classic strategy of distraction. Not that jokes or teasing are always bad, but an interaction of nothing but jokes and teasing is a means to communicate without saying anything important, to enjoy yourselves without actually do anything, and to feel like you know each other without actually knowing a thing. This is most typical of English-speaking cultures — men and women, straight and gay — as they tend to use sarcasm and teasing as a means to imply affection rather than actually showing it.

Strip clubs, prostitution, pornography. A way to experience one's sexuality vicariously through an empty, idealized vessel, whether it's on a screen, a stage, or running you $100 an hour.

Generally, the more resentment one is harboring, the more one objectifies others. People who had turbulent relationships with their parents, or were abandoned in a previous relationship, or tormented and teased when growing up — these people will likely find it much easier and more enticing to objectify and measure their sex lives than to confront their demons and overcome their emotional scars with the people they become involved with.

Most of us have, at one point or another, disassociated our emotions and objectified someone (or entire groups of people) for whatever reasons. I will say, however, that there's a lot of social pressure on men, particularly straight men, to ignore their emotions, particularly "weak" emotions such as a need for intimacy and love. It's more socially acceptable for men to objectify their sex lives and boast about it. Whether you think that's right or wrong or doesn't matter, it is how it is.

Confronting your issues and winning

Disassociating from your emotional needs is the easy way out. It requires only external effort and some superficial beliefs. Working through your issues and resolving them requires far more blood, sweat, and tears. Most people aren't willing to dig deep and put in the effort, but it yields far greater and more permanent results.

Zohra Bensemra/Reuters

1. The biggest misconception when it comes to working through an excess of emotional baggage is that these feelings ever completely go away.

Studies indicate that fears, anxieties, traumas, etc. are imprinted on our brains in similar ways that our physical habits are.1 Just like you've developed a habit of brushing your teeth every time you wake up, you have emotional habits of getting sad or angry any time you feel abandoned or unwanted.

The way to change is not by removing these feelings or anxieties altogether, but rather consciously replacing them with higher order behaviors and feelings.

This can only be accomplished through taking action. There is no other way. You cannot rewire your responses in healthy ways and confront your insecurities if you aren't out there actively pushing up against them. Trying to do so is like trying to learn how to shoot free throws left-handed without ever actually touching a basketball. It just doesn't work.

If you have a habit of flipping out and leaving angry voicemails every time someone doesn't call you back, you don't get rid of the anger, but rather channel that anger into a better and healthier activity, like say, going to the gym, or painting a picture, or punching a punching bag.

2. Anxieties can be overcome through utilizing implementation intentions and progressive desensitization.

For instance, if you get nervous in social situations and have a hard time meeting new people, take baby steps to start engaging in more social interactions. Practice saying hello to a few strangers until it becomes comfortable. Then maybe ask some random people how their day is going after you say hello. Then try to start some conversations with people throughout your day — at the gym, at the park, at work, or wherever. Then, challenge yourself to do these same things with people you find attractive.

The key is to do it incrementally. Setting the stakes too high, too early will just reinforce your anxiety when you fail to meet your lofty expectations. Again, baby steps.

I have entire online courses that deal with meeting and connecting with new people.

Obviously this takes time and requires consistently facing situations which make you uncomfortable, but that's the idea. You must overlay old emotional habits of fear and anxiety with healthier ones like excitement and assertiveness. Mentally train yourself so that any time you feel anxiety, you force yourself to do it anyway.

3. The final step — once you've learned to channel your negative emotions in constructive ways, once you've eaten away at your anxieties and are able to often act despite them — is to come clean with people you date about your needs and start screening based on them.

For instance, I've always had a fear of commitment and needed a woman who was comfortable giving me space and some freedom. Not only do I openly share this with women I get involved with now, but I actively screen for women with these traits.

Ultimately, your emotional needs will only be fully met in a loving and conscious relationship with someone who you can trust and work together with – and not just your emotional issues, but hers as well. We unconsciously seek out romantic partners in order to fulfill our unfulfilled childhood needs, and to do so cannot be completely done alone.

This is the reason that honesty and vulnerability are so powerful for creating high-quality interactions – the practice of being upfront about your desires and flaws will naturally screen for those who best suit you and connect with you.

This kind of authenticity changes the whole dynamic of dating. Instead of chasing and pursuing or wishing and hoping, you focus on consistently improving yourself and presenting that self to the beautiful strangers of the world. The right ones will pay attention and stay. And whether you spend a night or a year with them, this enhanced level of intimacy and mutual vulnerability will help heal your emotional wounds, help you become more confident and secure in your relationships and ultimately, overcome much of the pain and stress of that accompanies sex and intimacy.

An invitation for change

I invite you to take some time and think about what your emotional hang ups are in this area of your life, where they probably come from, and how you could overcome them in an open and honest way.

As an example, I grew up in a broken family where all members isolated themselves and we seldom communicated our emotions. As a result, I became highly sensitive to confrontation and any negative emotions of others. I became the consummate Nice Guy and for years struggled to assert myself in my relationships and around women. In fact, I objectified my sex life quite a bit and adopted some narcissistic behaviors in order to push me through some of these insecurities.

My fear of commitment is undoubtedly rooted in my parents' divorce, and my knee jerk reaction for years was to run away any time a woman attempted to get close to me. I slowly eroded that fear by opening myself up to intimate opportunities little by little over a long period of time. I was incapable of becoming intimate with a woman unless I had an escape route (i.e., she had a boyfriend, or I was going to move to another city soon, etc.).

Spending all of my adolescence living alone with my mother has made me particularly sensitive to female affection, and like a smoker rationalizing reasons to smoke one last cigarette, I have often rationalized myself into intimate and sexual situations with women who I perhaps should not have been with or didn't actually like as much as I thought I did.

This is my emotional map — at least part of it. These are the hang ups and issues that I've battled and slowly beaten back with years of active effort. These are the realities that I express openly and seek out the proper women who can handle them.

What are yours?

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