#then why do people go bankrupt paying for cancer treatment?

[katy-books]

My first conversation of the morning -

Mum - I've got bad news.

Me - Is the world over?

Mum - Yeah, pretty much.

Me - We're all going to die.

I wasn't kidding. You guys could have made history with the first female president (who has a long political career and knows how things work - like her of hate her you can't deny she'd be competent) - instead you go for a guy who loves Putin and once blackmailed Zelensky in order to try and gain an advantage over a political opponent - REALLY!? What the fuck America!? (Obviously that doesn't count for everyone who voted Harris)

I'm going to start considering becoming a prepper and anyone who voted Trump can go fuck themselves 😡

*edit*

Could have sworn I posted this around 10am but it's fine to out now - I'm no longer yelling but my sentiments are exactly the same - I've felt a little dizzy all day - this is honestly terrifying

For the record - I don't care if you don't like Harris - neither do I - it's not about whether you like her - it's about how she's not very likely to cause WW3 compared to the guy who thinks bombs are cool (like a fucking 6 year old)

[arcticfox007]

Suptober Day 1: Harvest

This is my first time doing Suptober and I probably won’t do every day (and am already a day late) but I thought it would be a good creativity boost and looking through all the other work it seemed like a lot of fun! Thanks to @winchester-reload for organizing this :)

Check it out on AO3!

Castiel hadn’t meant to overhear the conversation. He was supposed to be on break, but had volunteered to reset room 5 for the next patient because he knew his friend Alex had been in dire need of a break. Cas was only a volunteer, spending his junior year of college shadowing various medical professionals to get a better idea of what a career in medicine would really be like. When Alex had suggested shadowing one of the doctors she worked with, he’d readily agreed, knowing that his friend spoke highly of both Dr. Barnes and Dr. Fitzgerald.

He’d already spent the past few hours shadowing Dr. Fitzgerald (or Garth as he insisted on being called) and had seen enough to realize that Family Medicine was understaffed and struggling to do the best they could for their patients given the absurd constraints on their time. Garth was currently seeing a patient who didn’t want a stranger in the room, so the doctor had told Cas to grab some lunch. Cas had intended to do just that when he saw Alex making frantic phone calls at the front desk. When she’d hung up, she’d looked at the end of her rope, explaining to Can that one of the other nurses called out and she couldn’t find anyone to cover for them.

Which is how Cas ended up in room 5 wiping down the surfaces and pulling a new paper cover over the bed. Cas knew all about patient privacy, but really, the conversation easily carried into the room when the man who must be one of Dr. Barnes patients had decided to continue talking to her out in the hallway. The man had a compelling voice and by the time Cas realized he was eavesdropping it was too late to avoid it as leaving room 5 now would have only made the unsuspecting patient realize he’d been overheard.

“Um, and, I’m really sorry about this doc, but I probably can’t afford the bill for today’s services right away.”

“Dean, just call Meg like I told you. Our pharmacy here is amazing at finding co-pay cards for these types of medications.”

“I will talk to her, I swear. It’s just when we had to switch insurance plans the new one says the co-pay for that grade of medicine is $100 a dose. I’m honestly not sure I can make that work Dr. Barnes.”

“I understand, but you need this medicine Dean. Your RA will flare right back up without it. If that happens you eventually won’t be able to work at all. Even skipping doses is ill-advised, letting the inflammation persist could eventually cause permanent damage to your joints.”

“I get it doc, I do, but $400 a month? It’s basically choosing between eating and my ability to move without pain.”

“Dean, just talk to Meg. We will figure something out. At least promise me you’ll take the Humira every other week. I know it didn’t manage your symptoms well at the lower dose before, but it was still better than letting the RA go untreated.”

Dean must have responded to Dr. Barnes in some way Castiel couldn’t hear, because after a few moments the sound of footsteps echoed down the hallway, fading as they moved towards the front desk. Cas hurried out of room 5, the trash bag hanging unnoticed from his wrist. His heartbeat sped up as he worried that he wouldn’t catch a glimpse of “Dean” before he left the office. Cas didn’t really know what he was planning on doing, just that he couldn’t stand the thought of this man resigning himself to pain all because the healthcare industry was such an awful mess that it would burden someone with choosing food over medicine. Something about the way Dean had sounded reminded him so much of his sister, Anna, right before she had left Castiel forever. That feeling drew Cas forward to meet a man he didn’t know. Cas couldn’t solve Dean’s money problems, Cas couldn’t force the government to change how healthcare was run in the country, Cas couldn’t even make Dean’s medical issues any better – but he could meet this man and maybe make him smile for a moment. Maybe, if he was brave enough, he could offer him some sort of friendship so maybe he would have one more person to help him through his struggles. Cas had been too young to understand how alone Anna must have felt but he knew more about it now. Helping people like Anna was what had drawn Cas to medicine in the first place.

Turning the corner Cas was startled to see what could only be a 6-foot flannel-wearing freckled god. The man was Hollywood beautiful and for a moment Cas forgot what had brought him rushing around the corner in the first place. The sound of Alex pointedly snapping her fingers brought Castiel back to reality as he broke of his inappropriate staring. He felt his skin heat up rapidly as he blushed.

“Did you finish room 5, Castiel?” Alex stared at him expectantly. Silently, Cas handed over the trash bag and muttered something about taking his lunch break outside. Too embarrassed by his very obvious admiration of the man that must have been Dean, Cas didn’t think he could talk to him in front of Alex. He rushed out the front door in the hopes that the autumn air would help him pull himself together. He didn’t know why he’d felt so compelled to talk to a man who’s private and very personal conversation he’d overheard. He was almost glad that his humiliating gawking had saved him from speaking to the guy. After all, what would he have said anyway? The air alone wasn’t helping Castiel’s composure, so he began pacing in front of the building.

“I mean how do you go up to a stranger and tell them they aren’t alone and that good things do happen? It’s not like it wouldn’t embarrass the guy to know I overheard him talking about his money problems…” Cas froze as he heard someone clear their throat behind him.

“Uh, hey man. I actually came out to ask you something else, but I think this just got awkward.” Cas took a deep breath already knowing it was Dean standing behind him. Cas’ habit of muttering to himself when anxious had gotten him into trouble on more than one occasion, but never quite as badly as this felt. Sadly, his fervent wish to turn invisible on the spot was being ignored by the universe and he found himself staring into striking green eyes while wondering how he could possibly salvage this situation.

“H-hello Dean. I’m Castiel, and I can’t apologize enough for overhearing your conversation with Dr. Barnes. I swear it wasn’t intentional, I was cleaning out the room you were standing near and – “

“Whoa, hold up buddy. I’m not mad or anything. I mean, it wouldn’t be my topic of choice to start chatting up the hot new guy at my doctor’s office, but you clearly work in healthcare, I’m sure you’ve heard the same thing from lots of folks.” Cas’ brain froze a bit when Dean referred to him as hot, but then it caught up with what he was actually saying.

“Er, actually I’m just shadowing Dr. Garth for the day, but yes, I have heard stories like yours. My sister, Anna, went through something similar. That’s why I wanted to say something to you but wasn’t sure what. Then I actually saw you and, well, you saw. I’m not really good with subtlety. I apologize if I made you uncomfortable.” Dean threw his head back with a barking laugh and Cas found himself staring at the beautiful man yet again.

“Having someone like you checking me out definitely doesn’t make me uncomfortable. If it makes you feel better, I came out hoping to ask if you’d be interested in going to the Harvest Festival tonight. I have to work for a bit at my store’s booth but if you were free around 7, I’d love to talk with you more. Even if it’s just whatever you wanted to talk to me about before.” Dean smiled flirtatiously at Cas, and there was no way to resist that.

“Yes, I’d love to! Where should I meet you?”

They exchanged information quickly, and parted ways with matching smiles. Cas would get his chance to tell Dean how his sister gave up her fight with cancer because she knew her treatments were bankrupting the family. He’d tell him how he’d was hoping to be a doctor himself one day to maybe help someone else like Anna win their fight despite the shitty healthcare system. He’d also tell Dean that he’d chased him down the hall because he’d desperately wanted to tell him that maybe they were strangers, but that he hoped Dean didn’t give up and that he’d be willing to be there for him if having a friend would help.

Now though, Cas thought maybe he’d already made Dean’s day a bit brighter, and he looked forward to getting to know the handsome man better. Maybe his impulse to offer his friendship to a stranger wasn’t as insane as it first seemed, and if Castiel was reading things right perhaps friendship wasn’t the only thing they had to offer one another.

[whitehotharlots]

Anything changed yet?

The "2020 UGGGHH" discourse is insufferable. It boggles my mind that so many people think an arbitrary temporal distinction is the cause of our nation's collapse. They believe, in all earnestness, that 2021 is going to be better simply by virtue of it being different.

There's a very good chance--better than 50/50--that 2020 is going to be the best of our remaining years, that every year and month and day from now until the sun explodes is going to be progressively worse than the one that preceded it.  

I had a sad, drunk epiphany last night about neoliberal management strategies during our collapse. The general consensus is that people like Mitch McConnell and Larry Summers are evil and stupid. But what if they're actually evil and competent? They know that mass displacement is coming, probably very soon, and they intentionally want to immiserate most people beforehand so that we won't have the resources or will to mount any consequential protest as the cities start to flood and burn and trains start herding us into camps.

You might have heard of The Great Reset. Like all other reflections of our horrific future, the political media recently began referring to it as a "conspiracy theory." Indeed, it has been badly misunderstood by paranoid right wingers. But it's real. There was a Davos conference that was literally called "The Great Reset." Transcripts and videos of conference proceedings can be found with a 10 second Google search. These people put their ideology out in the open for everyone to digest, and now simply re-posting the things they said on record makes you a conspiracy theorist.

These types of Rich People Gatherings--Davos, the Aspen Ideas Festival, etc--should not be regarded as a meeting of soothsayers. They're not even really prognosticators. They are, instead, the collected mewlings of the modern clarisy. Their declarations are meant to placate the hyper elite, convince them that their destructive behaviors are moral and the current system is totally sustainable even though the ground is clearly caving in beneath their feet. 

You can think of the visions set forth at these conferences as sort of what the rich think the best case scenario might be.

The Great Reset's best case scenario is terrifying indeed: one of the very first slides announces that by 2030 upwards of a billion people will be displaced by climate change. We won't eat meat anymore (okay, fine, whatever). Oh, also, our economy will be entirely rentier-based. You don't have any possessions. You rent everything you use. You don't draw a steady paycheck. Everyone is a gig worker. There is no retirement, either; you work until you can't, and then you die. 

This is the world both of our wretched political parties want to build. To the people who control our fate, this is idealism.

The weirdest omission is that they all seem to think that the masses are just going to go along with it. India and Pakistan will not exchange nuclear weapons: each side will merely accept that their countries are no longer inhabitable and instead of fighting for water or territory they will simply sit tight and wait for immolation. Eritreans will humbly march themselves into the sea. American homeowners will simply shrug their shoulders and consent to signing all of their earthly possessions over to Citibank in exchange for a weekly allowance of 4 cans of Spam.

Is this naivety, or do they know something we don't? Are they stupid enough to simply believe that no one will fight back, or are they planning some type of mechanisms for the suppression of unrest?

Maybe neither? Because, honestly, I can't see any reform taking place no matter how bad things get. Next year--after Biden eliminates all remaining vestiges of the social safety net and unemployment hits levels never before seen since the dawn of industrialization and the police continue to murder people at will--we could very well see riots that are ten times as destructive as the ones that hit over the past summer.

So what? What will change? The government will act swiftly to ensure that the hyper rich don't suffer a moment of inconvenience. They will give everyone else the choice of either dying quietly or getting mowed down by cops.

Remember the French Yellow Vest riots? Those were morally clear cut: their shitbag neoliberal weasel president eliminated the wealth tax--because omg can you imagine the injustice of a Kardashian only inheriting 80% of their father's money? To pay for this, France instituted a regressive gas tax and incredibly cruel pension cuts. This generated two straight years of violent, disruptive rioting. Macron's approval rating cratered toward near the single-digits. 

What was the result? The wealth tax was not reinstated. The gas tax was not rescinded. The government made a minor concession on the pension reforms, cutting payments on average by 40%, instead of the 50% that was initially approved. 

This is the efficacy of protest. This is the best us non-elites can to do change the future everyone in charge has very explicitly said they want. 

The Democrat adoration for Biden sends a clear message: you get nothing. You will never get anything. You are a bad person for even asking for something.

I’ve mentioned this before, but Endless war, deadly austerity, and environmental destruction simply do not enter the liberal worldview. Anyone who tries bringing them up is a racist sexist bro who cares more about "preventing the oceans from catching fire" when he should be paying attention to something really important, like the newest trans Marvel hero. L-look at this Beefaroni commercial that features a biracial family... you gonna look at that and tell me we're not making progress? You ingrate. You fucking worm. How fucking dare you be upset that we just stole your pension? Your soul is so blighted by privilege you think you just deserve to not go bankrupt to pay for cancer treatment? 

That's the thrust of liberalism post-Obama. No solutions, just excuses. We're not going to help anybody. But we will give relatively well off people a means of justifying, in their tiny brains, why it's good when the leaders they adore act like cruel shitheads.

[gianna1014]

Hidden Truth

Hidden Truth

Hazel’s life has been a mess since her father’s business went bankrupt. They were living a worrie-less life before it happened. But it get worse when her father diagnosed with cancer. They were running out of money. Her father needs medical treatment and she has nothing in her bank account. She discovered too that they don’t have enough money even to pay for their bills.

She has nothing but to sell their ancestral house in Batangas. Then she met Vincent Del Tierra. The ruggedly handsome but lethal looking businessman. He’s rich. A billionaire. And even if she wasn’t willing to sell their last property, she don’t have any other choices. The father’s health was her priority.

Vincent Del Tierra desires Hazel. The first time he saw her, he knew then what he really wants. And he needs her more than having her in his bed.

He will provide her money, her mansion and everything.. if she will be willing to give him a.. child.

Hazel thought he was crazy. But everytime she was looking in his eyes.. there’s something she can’t barely explain.

Will she give in for money? Or will she strip the hidden desires.. along with the truth.. then what is the truth?

***

Chapter 1

Hazel’s POV

I slowly closed the door of my father’s room. He just fell asleep and I don’t want him to be disturbed again. It’s been a long night and he was complaining about his medicines.

I walked out from the hallway. I thought of going to the kitchen and get something to drink but I decided to go to the veranda and stay there for a while before I go to my room.

The cold breeze welcome my exhausted body. I went up here just after I visited my father’s office. I had seen all the unopened letters, documents and other files. I bit my lower lip and suppressed my tears.

What am I going to do now? Who am I going to ask for a help?

I liquidated all our other assets just to fill in our employees last salaries. I paid for the remaining debts and all I have now is our old house and some paper bills in my wallet. My bank account stripped to zero. I’ve decided too to close it down for good rather than having penalties because I can’t maintain the required balance.

I gasped silently. I was a teacher. A Pre-school teacher. I don’t earn that much and I bet if my salary can support my father’s expensive medication. I can’t even afford to hire a private nurse to take care of him when I go to work. Thank, God, I have Nanny Caridad with me. And she waves nothing but to help me, us. She has been working with the family before I was born. She’s almost a family.

But my problem didn’t end just like that. I have to support my father’s health. He was the only family that I have. My mother died when I was a little. She has found dead in the pool. The police said she probably drown. Probably—that’s all I could remember when I asked my father about her.

Relatives? Oh, damn. They were gone since the day my father declared bankruptcy. Even all business partners had gone with the wind. Just like that. That fast.

“Hazel,”

I still startled when I heard Nanny Caridad spoke. I cleared my throat and turned at her. I gave her a weary smile. That’s all I could afford to do.

She walked a few strides at me, “Why are you still awake? You should be in you room in this hour,” she concernly said at me.

I heaved out deep sigh. I blinked my tears back so she can’t see that my status still keep bothering me. “I..can’t sleep, Nanny..” I managed to answer.

She sighed. She’s in her mid fifties and stayed unmarried. I loved her like the way I loved my mother. Because of her, I never felt lonely even growing up without a mother by my side. My father was busy with our business but Nanny Caridad took cared of me.

“I know what’s bothering you, Hazel. You can’t hide it from me.” she said.

I faintedly smiled and stared at the dark night. “Nanny..I’m thinking of..selling this house..” I abruptly felt the pinch of pain right in my chest. There are a bunch of memories with me in this old house. And it's hard to decide and let it go.

She looked at me with surprised eyes. “But..Hazel—“

I shook my head. “I-I have nothing anymore, Nanny. I have to take care of Dad. My savings can’t support us. I can’t even afford to maintain this house, the bills and everything!”

She stared at me. I can feel how bad our situation were.

“If only I can help you..” she sadly uttered.

I held his hands. “You’re already a big help to us, Nanny. You know I can’t pay you anymore but you still chose to be with us and earn nothing. I couldn’t ask for more. If we don’t have you right now..I can’t imagine what will happen to me..”

She squeezed my hand. “The Lord is with us, Hazel. Don’t be discouraged..” she softly said to me.

I didn’t say anything rather than nodding. Yes. I prayed and asked. I know He was challenging me and I won’t give up. It’s just.. this earthly problems are so damn hard to swallow.

***

Tomorrow morning, I volunteered to go to the grocery and buy important goods for us. I have to buy my father’s medicines too.

While looking for the cheaper price of rice, I felt the unknown heat at my back. I turned around but only sees people who’s having their own business too.

I shrugged my shoulders and continued.

I pushed my cart and looked for another cheaper price of meat. I chose the small size of whole chicken. I budgeted my money for one week and it should not exceeded five to six hundred pesos.

When I finished, I lined up to the cashier and waited.

In my mind, I counted how much will it cost so I can save up more for my father’s medicines. I scanned my cart. I sighed and took out the loaf bread. “There you go..” I murmured.

When it was my turned, my bill went up to 565.25php. I smirked and paid the cashier. If I added the bread, the life span of my wallet will shorten.

I carried with the two large plastic bags. I walked to my old jeep and opened the passenger’s door and hop in the grocery bags. I just stop on track when someone called my name, “Yes..?” I turned around. I saw a man smiling at me.

Confusion marred in between my eyesbrows. Well, he was wearing a white longsleeves tucked in his black pants. He probably in his mid thirties or so.

“Do I know you?” I asked.

“You don’t. But my boss knows you and he wants to talk to you.”

I looked around hoping to find other people or bystanders. But I saw nothing. Even the guards. “I’m sorry. But.. I think—“

“You’re Hazel Villanueva, right?” he asked formally.

My lips parted a little. Should I confirm it or not? And I choose the latter. “I’m sorry.” I turned around.

“My boss has a proposal to you, Miss Villanueva..” he added when I opened the driver’s door.

“I’m not interested!” I almost shouted.

“Please see him first. He’s been following you in the grocery..”

I stopped on my track again. I knew it! I was right. There was someone staring at me!

I don’t want to assume but.. “Are.. you a stalker?”

He smirked. “I’m not. Maybe you can ask my boss.. he’s waiting for you in his car..” he cursory nodded the direction where the car was parked.

But I stay stilled. Did he think I will follow him?

I shook my head. “No. I won’t do that. I don’t know you.” I abruptly hop in the jeep and started the engines with my shaking hands. Who are these people?

The man walked at my side and knock on my window. He was urging me to open it.

But I didn’t. The engines finally started and drive the jeep as fast as I could to leave that man. Or men..

[mostlysignssomeportents]

The Nerd Cantina reviews #Radicalized

Megan McCarthy-Biank:

Immigration. Police brutality. Healthcare. Societal Collapse. In a series of novellas, Cory Doctorow isn’t afraid to get political to address these themes in Radicalized. His stories force readers to confront these issues and the frightening familiarity of how these events play out. The main characters in these stories face corporate greed against the most vulnerable, a biased justice system, the corrupt bureaucracy of health insurance, and the end of the world. While our protagonists prevail (for the most part), their successes come at almost-unexpected costs.

The first story, “Unauthorized Bread,” follows Salima in her attempt to navigate a system that seems to actively punish her for being a refugee. She and her fellow-refugee neighbors in their high-rise building have no choice but to use the appliances provided in the low-cost apartment. Unfortunately, these networked appliances will only function for specific products – for example, their toasters will only toast specific (i.e. “approved”) kinds of bread, the dishwasher will only wash specific kinds of dishes, and so on. Even elevator access is determined by how much rent the tenants can afford to pay.

Then one day, Salima’s toaster stops working altogether, due to the company going bankrupt. So she finds a solution to the problem by hacking her broken toaster, and shares this trick with others in the building. Eventually the company is bought out and the network is up and running again – which means that Salima’s efforts could have disastrous consequences for her and everyone she helped to hack into the system and “illegally” use their appliances.

The second story is “Model Minority,” in which readers will recognize the identity of a popular superhero in our modern world. Going by the name of “American Eagle,” our main character witnesses and intervenes in an incident in which police officers are beating an unarmed black man, after allegedly seeing marijuana in the vehicle he is driving. The American Eagle pursues the case and the officer in charge, attempting to ensure that the the justice system works fairly to hold the police accountable. Some readers may be able to guess where the story goes from here.

The American Eagle has spent centuries upholding the law. For decades he thought that police officers worked to do the same. Throw in a well-known journalist/love-interest and billionaire colleague (both recognizable to comic book fans), and he begins to realize the failings of the system and becomes increasingly frustrated that his actions have adverse effects on the victim. The story literally asks the question, “Why did it take you so long?” Why did the American Eagle decide to intervene in police brutality and racial injustice now, when these issues have been around for decades? Would it even make a difference if some sort of supreme being or powerful alien started saying the words “Black Lives Matter,” or would Americans begin to see him as a threat once he confronts the police?

The third novella in the collection, “Radicalized,” will hit home with any reader who has had to deal with the corruption of the American healthcare system. Our main character, Joe, is a father and husband whose wife has cancer. While an experimental treatment can possibly save her life, their insurance company refuses to cover the cost. While fundraising for his wife’s treatment, Joe finds himself diving deep into the dark web and finds a forum/community full of those with similar experiences – people who have lost spouses and children who could have been saved, if not for the insurance policies in place.

In this story, the community members take matters into their own hands by attacking the insurance companies’ headquarters and unleashing their frustration in deadly ways. Eventually the bodies pile up and government officials finally use the word “terrorism” to describe the predominantly armed white male suspects carrying out these attacks. While Joe attempts to help these depressed and angry people and prevent more attacks, he finds himself potentially guilty by association. The question is, how many people have to die for those in power to take action?

The final story, “Masque of the Red Death,” explores how the 1% might handle the end of the world. Our protagonist Martin has spared no expense on his “very cool” bunker (AKA Fort Doom) and survival plan, and seems excited to use them. He invites 30 specific people to join him and spells out explicit instructions to follow, and turns away those who don’t follow them. Not everyone shows up to ride out the collapse of society. Those who do, however, slowly realize taking shelter with Martin may not have been the best course of action, as things begin to go horribly wrong.

Doctorow somehow manages to develop fleshed-out characters in the short time readers spend with them. Each story in Radicalized digs deep into the realities that Americans face today, and gives us new perspectives from the lives directly (and indirectly) impacted. If Doctorow’s goal was to entertain, educate, and make readers realize their potential to fix these problems, then he has succeeded.

https://thenerdcantina.com/radicalized-by-cory-doctorow-book-review/

[that-one-violist]

fuck anyone who says that privatized healthcare that costs this fucking much is good because it makes the healthcare quality.

dont you dare tell me our healthcare system is quality when with so many different doctors and hospitals and at least 3 different health insurance providers it was so fucking bad my mom gave up on going to get any treatment for the last 2 years of her life because she couldnt take the dehumanization, only to be billed thousands of dollars that we didnt have simply because she wanted to be able to walk and live her life and not be bedridden.

they told us years later that they possibly could have managed to switch her cancer diagnoses papers with another patient, and we will never know if the radioactive iodine treatments which, mind you, were 3x as much as a human should have in an entire lifetime in the span of 2 to 3 fucking years, were even necessary. they managed to constantly give her the wrong medication doses and when she complained that they were problematic they told her to get over it. they told her to smoke since her life was meaningless anyways. they told her to lose weight because it was annoying to have to get her a larger size gown. they told her she had to be lying to them about what she was eating, even after logging and taking pictures of every meal and having comfirmation from my dad they told her she was lying. only to find out multiple years too late it was a result of several diseases that she struggled to lose weight. diseases they should have caught and that she asked about and they immediately disregarded her.

dont. fucking. tell me. that the healthcare system works. or that its good. if we had the money, we could have gotten her the surgery for the growth in her abdomen that kept building that prevented her from walking. but we couldnt. you know why? my dads masters degree level 40+ hour work week fucking job didnt pay enough for us to afford that "cosmetic" surgery which meant we had to pay full out of pocket. and we couldnt. we werent even able to take out a loan for it, because we had taken out too many and gone bankrupt twice before.

how ironic, seeing as my father works as a lab technician in a hospital. yet we cant even truly afford to go to one.

all i can do is imagine if she could have gone down the stairs and seen me at graduation or my last concerts or move me into my dorm or live to move me out of it. what if the doctors didnt dismiss her. what if they didnt blatantly disregard her. what if we could have afforded the surgeries. what if we could have afforded the furnature and products that maybe could have made her life easier.

i just. i just cant stop being so fucking mad about it. they dehumanized her for fucking years. and now shes gone. and we dont get any justice. i just. the people who she was supposed to feel safe talking to and who she was supposed to somewhat trust with her life and health disregarded her. and maybe if we could have just afforded the so called "unnecesary cosmetic" surgery because the insurance company had some fine ass fucking print that prevented us from working with them due to the situation, maybe she could have had at least a half decent final 10 years of her life, or maybe she wouldnt have died before i turned fucking 20.

fucking imagine. it cant be real.

maybe im in the wrong to be mad, maybe healthcare here is absolutely fantastic and absolutely it is reasonable for people who dont have the money to die because they cant afford preventable healthcare and when theyre in bad health cant afford to do anything about it. maybe its reasonable that doctors dehumanize their patients consistently because some patients just arent worth their time, right? maybe im in the wrong. so fucking be it. maybe my sitiation is just so particular and non-relatable that this isnt a problem. so fucking be it. but i swear to god im never going to be okay with what happened to her. no one deserves that. no fucking one. regardless of their economic standing.

no. fucking. one.

[thecloserkin]

book review: Mira Grant, Feed (2010)

Genre: Sci-Fi

Is it the main pairing: Yes

Is it canon: No

Is it explicit: No

Is it endgame: Yes

Is it shippable: Hell to the yes

Bottom line: Creepily Codependent Siblings Survive the Zombie Apocalypse! They are adopted but the way they refer to each other as “my brother” and “my sister” when they could have used given names instead? I am here for it. While tight plotting is not one of this book’s strengths, you should slog through the infodumps to the ending which packs one hydrogen bomb of an emotional wallop.

This is the first book in the “Newsflash” trilogy about a pair of journalists, Georgia and Shaun Mason, who begin by blogging out of their parents’ basement and end by uncovering a vast governmental conspiracy subtended by various alphabet-soup agencies. The zombie apocalypse itself happened 23 years ago, and it happened the way these things invariably happen: Scientists try to cure cancer/the common cold, unleash freak virus on humanity, cue end of the world as we know it. Georgia and Shaun are the paradigmic products of this remade world: They, like many children born in and around the chaos of the outbreak, were orphans. On their adoption papers their birthdays are given as the same day—an arbitrary made-up date, but it makes them twins even if George is def a few months older. She acts older too, acting as the business brains of their fledgling journalistic operation while Shaun’s job is to “poke dead things with sticks” and look good while doing it. There is a performative aspect to Shaun’s mugging for the camera and flirting with anything in a skirt. He’s doing it because outrageous behavior garners them more hits, obviously, but he’s also doing it for George who gets a kick out of watching him charm the pants off people. She is bemused but not remotely threatened. George is all-business all the time, emotionally guarded and wary of physical contact, and one time when someone tried to hug her Shaun smoothly stepped up to intercept the hug to spare her the discomfort of enduring it. I SCREAMED. Note that George doesn’t mind being touched if it’s Shaun doing it:

I shuddered. Shaun caught the gesture and put a hand at the small of my back, steadying me. I flashed him a smile.

Shaun put a hand on my knee, steadying me, and I covered it with my own.

These small moments of tenderness punctuate an endearingly banterful sibling rapport. This is them reacting to the news of their big break—they’ve been tapped to cover the presidential campaign of an idealistic Wyoming senator:

Shaun was sure we’d get it. I was sure we wouldn’t. Now, staring at the monitor, Shaun said, “George?” “Yeah?” “You owe me twenty bucks.”

This is George shooing Shaun out of her room so she can change her clothes:

I pointed to the door. “Get out. There’s about to be nudity, and you’ll just complicate things.” “Finally, adult content! Should I turn the webcams on?”

This is big sister Georgia mocking Shaun for his youthful indiscretions:

”Remember how pissed you got when we had to do all that reading about the Rising back in sixth grade? I thought you were going to get us both expelled.”

In conclusion I love them sfm they are perfect.

As an aside, the people tagging this book “horror” on Goodreads have either not read the book (which is legit, TBR piles are a thing) or don’t understand what horror is? It’s like they saw the word “zombies” and just auto-completed the genre. What defines horror is not blood, gore, or violence but the fear and loss of agency engendered by that violence. That’s why so many horror film protagonists are women, who experience loss of agency in large and small ways on a daily basis and must learn to survive in the face of it; it’s cathartic to watch them take back control. The point of this digression is that THIS IS NOT A HORROR NOVEL. It’s not about that kind of fear!!! This is a political thriller so buckle in kids we’re going for a ride.

Twenty-three years ago during the outbreak, Georgia and Shaun’s parents lost their eight-year-old biological son. He was bitten by the neighbors’ dog. This was before it was widely understood that the virus could jump between mammalian species, and that anything surpassing the 40 pound threshold was susceptible to its effects. The dog weighed over 40 pounds. The Masons, who were award-winning reporters in their own right, dealt with their grief by channeling their emotional resources into chasing the news ratings. They continued to be phenomenally successful journalists as well as shitty parents to Shaun and Georgia, whom they seem to have adopted entirely for publicity purposes. The narrative invites us to draw the comparison between George and Shaun, who have chosen to pursue this career out of a thirst for THE TRUTH, and their parents who have less lofty motivations. Not to put too fine a point on it but their parents are mercenary motherfuckers. These kids survived their childhood by building an emotional bunker that they never learned to climb out of. This line from the very first chapter is so telling because they’re out in the field and Shaun is being chased by a zombie right?:

I screamed, images of my inevitable future as an only child filling my mind.

When Shaun’s in mortal peril, Georgia doesn’t think of him as “the center of my universe”— which he is—she thinks of the void that would result in the loss of her brother. That’s how they fit together, that’s what they are to each other, and all the other stuff is layered on top of the shared trauma of their childhood. Ffs they even have a ritual for administering each other’s blood tests—you know that thing at wedding toasts where the bride and groom loop their arms together and tip the champagne flute into the other’s mouth? Like that:

Moving with synchronicity born of long practice, we broke the biohazard seals and popped the plastic lids off our testing units

So the protocol for taking blood tests, which everyone has to do all day long to prove they’re not infected, is to come into the foyer/antechamber/vestibule one at a time and once you test clean you proceed into the building while the next person cycles into the chamber. That way, if anyone is found to be infected, they can be isolated. Georgia and Shaun have never once complied with this rule:

Our next-door-neighbor used to call Child Protective Services every six months because our folks wouldn’t stop us from coming in together. But what’s the point of life if you can’t take risks now and then, like coming into the damn house with your brother?

Implying that if one of them ever got bitten by a zombie the other one would rather spend the rest of their short life trapped in a garage with the shambling corpse of their sibling than die in their sleep at a ripe old age. Talk about ride or die.

I said before that this presidential campaign, this is their big break as much as it is the candidate’s. Up till now George and Shaun have been blogging under the umbrella of news aggregation entities (sort of like how BuzzFeed and HuffPost and Medium are populated by user-generated content that isn’t necessarily making the content creator an appreciable pile of money), but now they’ve finally landed the story that will let them strike out on their own. One of the sharpest things about this book is how it depicts journalism as a job, and a tough one to do right. Nashville does the same thing for the music industry, and as over-the-top as that show is, it shows you the nuts and bolts of success in a profession where practitioners are supposedly driven by “passion” alone. Here the distribution of labor is skewed pretty heavily towards George:

I get the administrative junk that Shaun’s too much of a jerk and Buffy’s too much of a flake to deal with.

Buffy is their business partner and some kind of auteur hacker + tech whiz. Shaun is the public face of their media brand. But make no mistake, George is the heart and soul and brains of this operation. You see her business acumen in drive-by observations like “Replacing that much equipment would kill our operating budget for months,” or when she talks about i n s u r a n c e. And George talks about insurance a lot. She mentions how a certain camera covered in zombie body fluids is an insurance write-off, how being present in designated high-risk zones during certain times of day can triple your insurance premium, how a certain treatment for her chronic vision condition isn’t covered by health insurance. I … just wanna point out that the human race has survived a flippin’ zombie apocalypse, but the United States remains wedded to private for-profit health insurance where who and what are “covered” remains a game of Russian roulette?!! Whoever said it was “easier to imagine the end of the world than the end of capitalism” was onto something. This society is functioning cohesively enough that elections are a thing (thus, nation-states are still a thing). If you want to tell me our fragmented, inefficient, fee-for service model of paying for medical care that routinely bankrupts & kills our citizens has weathered the end of civlization and emerged intact from its ashes, you better look me dead in the eye and bring receipts.

What’s really impressive about Georgia is she’ll rattle off exactly what kind of activities (those forbidden by her journalistic licensing) will invalidate her life insurance if she’s stupid enough to get killed while doing them. From which I surmise that she and Shaun are both covered by pretty hefty policies of which they are each other’s sole beneficiary. Which makes sense, they’re in a dangerous line of work, but I feel like it’s a poor investment since whoever was left behind would be doing their damnedest to climb into the grave next to their sibling lol.

Another little requirement of the household insurance—since we leave safe zones all the time in order to do our jobs, we have to be able to prove we’ve been properly sterilized, and that means logged computer verification of our sterilizations.

George is talking about the AI that is apparently located in her showerhead that douses her with a bleach & antiseptic compound when she comes back from being in the field?? That sounds painful but what concerns me is the breathtaking scope of the Internet of Things’ penetration into her life. The AI is in the bathroom. It knows exactly where she’s been bc ofc her GPS location can be tracked via her phone, and it’s merrily sending packets of information off to …. somewhere, where it will doubtless be aggregated with all the data collected about George from other sources, and combed for patterns to predict future behavior. That’s how surveillance capitalism works. if this sounds chillingly familiar it’s because it’s already happening, it’s what the tech giants are already doing—gobbling up as much data about as many people in as many contexts as possible—and leveraging that data for profit. Privacy is a joke. George is not unaware of this, but what choice does she have? It’s either install the damn AI in her showerhead or get her parents’ homeowners’ insurance policy cancelled for being too “high risk.”

I want to circle back to George’s chronic medical condition for a sec. She’s got a disability—what’s a called a “reservoir condition” where the virus takes up residence in a body organ, in her case the retina—meaning essentially that she has zombie vision; she can see ridiculously well in low light situations but direct sunlight will blind her. She has to wear shades even indoors and is literally incapable of crying since her tear ducts are inoperative. So there’s a testy situation where a federal agent tries to get her to take off her sunglasses so he can verify her identity with a retinal scan right? And because they’re standing outside this is obviously a recipe for permanent blindness, quite aside from the fact you wouldn’t be able to get a valid scan anyway due to the virus over-dilating George pupils. But instead of checking George’s files, where her disability & its effects are prominently listed, this grunt insists on making her remove her glasses because Procedure. It’s a pretty tense moment. Shaun goes ballistic. He doesn’t physically threaten the dude, or insult his mom or anything. No, Shaun understands that he needs to make this pencil-pusher more afraid of the consequences of taking George’s glasses than of Not Following Procedure. And it works. YEET.

On the campaign trail the Senator’s aides arrange for sex-segregated hotel rooms but Shaun and George are having none of it:

On the few occasions when I’ve tried sleeping without Shaun in the next room, well, let’s just say that I can go a long way on a six-pack of Coke.

The ostensible reason the sleeping arrangements need to be reshuffled is, Buffy can’t sleep without a nightlight and George’s eyes can’t tolerate a nightlight. Clearly the real reason is George and Shaun are c l i n g y and codependent as FUCK. One night after a zombie attack and the long grueling hours of cleanup/decontamination that followed it, they actually climb into the same bed—I guess this room only had a double instead of two singles?? The scene the next morning, the two of them having predictably overslept:

“Fuck a duck, Buffy, what are you trying to do, blind her?” … Shaun, clad only in his boxer shorts, staring at an unrepentant Buffy.

So Shaun’s beef with Buffy is not that she barged in on them while they were asleep & half-naked but that she opened the curtains, thereby triggering a painful migraine for George’s sensitive eyes. Buffy explains she didn’t shake them awake because they both sleep armed, lmao. George’s disability and Shaun’s practiced ability to help her maneuver around it (like a trusty prosthetic, he’s an extension of herself) serves to highlight how in this partnership they are one unit and they know each other inside out. This is them after their close shave with the dunce who tried to take George’s glasses:

“Fuck you, too,” I muttered as Shaun got his arm around me and hoisted me away from the barn. “You kiss our mother with that mouth?” “Our mother and you both, dickhead. Give me my sunglasses.”

And this is George waking up in their hotel room, eyes squeezed shut against the glare of multiple computer screens:

He touched my hand with the tips of his fingers before he pressed my sunglasses against my palm.

This is absurdly, spine-tinglingly intimate. First he touches her hand with the tip of his fingers, the most fleeting of touches to let her know it’s him, and then he presses the glasses into her palm to restore her agency so she can, you know, open her eyes. And that earlier scene with him guiding her by the elbow in broad daylight!!! I’M NOT CRYING YOU’RE CRYING

Sometimes I can hardly believe that George and Shaun are twenty-three years old. When I was twenty-three I … was not adulting half so well as these kids. But then, giving their barbarous upbringing, that’s not surprising; my parents loved and nurtured me. When I look at George and Shaun and the successful business they’ve built and the professional relationships they’ve cultivated and their expertise and their bravery I just feel this proud parental glow you know?

I want to say a word about Senator Ryman before we move onto spoiler territory. There’s a big controversy initially about whether the Senator is “genuine” or not (spoiler alert: he is). But what does that even mean, genuine? He’s a good egg, sure, but what are his policies, none of which are explored in depth except his support for horse farms??? I’m not kidding. In a world where any animal weighing over 40 pounds is a zombie outbreak waiting to happen, it’s a controversial position to say people should be able to keep pets in residential zones. Here is how George describes our Candidate:

He’s like a big, friendly Boy Scout who just woke up one day and decided to become the President of the United States of America.

I see two major problems with this: One, they say “Personnel is Policy” so who the hell is he planning to appoint to key Cabinet positions and can he trust them to pursue rather than undermine his objectives (and does he even have a deep enough bench of people to draw on)? Two, the Boy Scouts of America are not exactly, er, unproblematic, and while it’s safe to say our faves are always problematic, I think “Boy Scout” is shorthand here for “no skeletons in his closet,” which again puts the focus squarely on his personal qualities rather than what policies he espouses. It’s great that he hasn’t cheated on his wife or his taxes. But morality and ethics are not the same thing:

Morals are how you treat people you know. Ethics are how you treat people you don’t know. Your morality is what makes you a good spouse/friend … Your ethics are what makes you a good politician … Morality dictates that you take care of your family, friends and even acquaintances first … For a large society—a society where you can’t know everyone—to work, ethics must come before morality, or ethics and morality must have a great deal of overlap. By acting morally, you must be able to act ethically.

I think we can all agree that this does not describe how our society is currently constituted, and it doesn’t describe George and Shaun’s America either. So this narrow fixation on whether individual candidates are “genuine” or corrupt imo kinda misses the point. George says:

I haven’t even been able to find proof that his campaign received funding from the tobacco companies, and everyone’s campaign receives funding from the tobacco companies.

I don’t want to undersell how important it is the guy is not taking tobacco money. But is he also eschewing Wall Street money, Big Pharma money, defense contractor money? How could George possibly have time to investigate all this dark money if she is supposed to be covering the actual campaign? Seems like it would be a lot easier to reform the campaign finance laws than to vet every single single candidate’s funding sources.

I think one reason the Senator is long on identity & personal charisma and short on policy is that he’s up against an opponent whose base of support is millenarian-fundamentalist “the Rapture is here, we’re all going to hell”:

it was either Ryman’s brand of “we should all get along while we’re here,” or Tate’s hellfire and damnation.

If that is the main faultline in society, I guess half the voters don’t really wanna hear how a given politician is planning to make a material difference in their lives, since they’ve already got eyes on the prize aka the next life.

So there you have it. George and Shaun are scrappy independent muckrakers digging for the truth. Time and again their allegiance to that holy grail overrides their concern for trivial aims like idk personal safety. There’s a vast, shady conspiracy afoot, and as our heroes get closer to it they start getting shot at. They lose comrades. None of this deters them because they are after THE TRUTH. Oh wait there is in fact one thing George values more than the truth:

”You’re more interested in your brother than figuring out the truth?” “Shaun’s the only thing that concerns me more than the truth does.”

And later:

The sight of him was enough to make my heart beat faster and my throat get tight. I knew he was wearing Kevlar underneath his clothes, but Kevlar wouldn’t protect him from a headshot.

Her first concern is always, always, for him.

SPOILERS SPOILERS SPOILERS SPOILERS SPOILERS SPOILERS SPOILERS SPOILERS SPOILERS SPOILERS SPOILERS SPOILERS SPOILERS SPOILERS SPOILERS

George gets infected. That’s the denouement. George is infected and Shaun has to shoot her before she turns all the way. Every single person who makes it to this scene is just bawling by the end of it:

His lips brushed the top of my head as he bent forward and pressed them to my hair. I wanted to yell at him to get away from me, but I didn’t. The barrel of the gun remained a cool, constant pressure on the back of my neck. When I turned, when I stopped being me, he would end it. He loved me enough to end it. Has any girl ever been luckier than I am?

The reassuring pressure of the gun on the base of her neck??? Has there been a more romantic moment in cinematic history??? I THINK NOT. Shaun is a crack shot—he’s the kind of guy who caresses his guns, names them after pretty women, causes his sister to grouse about digging through a suitcaseful of his weaponry to find her clothes—and yet here he is using his gun to kill the woman he loves most in the world.

It was supposed to be Shaun. They both took it as a given that Shaun would be the one to die first. Now he has to find a reason to continue living other than the obvious (vengeance). Stay tuned for the next installment, narrated by Shaun!

[ambre-gris]

Warning: personal rant! Omfg things are a mess. My dad died in February, from cancer. He had suffered from a form of leukemia for years but last December, he was diagnosed with prostate cancer. The autopsy results said it had spread even to his bones - he only started seeking treatment when it was too late. I'm not sad. I last spoke with him in 2020. But I have to deal with what he left behind: a literal junkyard. I have not found a will. He had been a hoarder and his house is in utter disrepair, I'd say it's beyond repair.

My mom keeps bugging me about selling the property and house to make profit, because she paid half of it when they got married. Thing is... They divorced in 2017 and being my dad's only child on paper - I have a half-sister who is over 10 years older than me and my dad was in her life long before I was even born but he never adopted her (he always felt insecure about the that my mom had been with someone else - to the point that he let it affect how he treated my sister). So that being the case, I am the sole heir. I wish I wasn't. It's painstaking to do this all alone: to suss out the papers, living far away, having no car, trying to write a thesis and work full time simultaneously.

I went there last month to organize some papers, clean up rotting biowaste, figuring out what to do with the ant-infested parts of house.... Someone had unplugged the freezer and I nearly threw up when I opened it, not knowing what awaited me. I could not stay there longer than two hours, the strong odors triggered a massive migraine later. I wish that freezer would just combust and burn everything down to the ground.

In addition to all this, I've been meaning to search for a therapist. I have been writing emails to potential therapists for TWO YEARS. I'm at my wit's end at this point. I don't have the energy to write a hearfelt request to 20 therapists each month (most of whom aren't even the type of therapist I should be seeing), for them to just say no, no one is available. I thought I was ready to fight for this but I guess I'm not. This is too rough on the soul right now. I am going to deal with this situation, somehow, but there's no way that rotten shack can bring any profit to my mom, or me. She doesn't understand how things work - my dad did all the work for her, even after the divorce. I have to explain things to her, and she gets angry if things don't work how she thinks "they should". My mom keeps offering to pay half of the bills but she wants the money back, so I'll just pay the bills from my own pocket and hope to get tax deductions later. I don't care anymore. I have a job that pays ok, so I'm not going to be bankrupt from doing this. What's wonky is that I wasn't even on good terms with my dad. The last text he sent me was over a year ago, and he asked me if Covid had killed me yet? Why am I even bothering with this? Even though my dad can't physically or verbally hurt me anymore, what he left behind still weighs on my shoulders. At one point, I felt guilty I had not attempted to reconcile. But you know what? I sure as hell don't anymore. Everything around me, everything that falls apart just proves he was a toxic person inside out, drove everyone away from him, cared more about alcohol than people. My mom says she keeps visiting his grave but she cannot bear to go to his house. I don't understand why she even cares. He was rotten towards her, and only showed her kindness when he was dying. I wanted to respect his wishes and I chose to have him buried in a coffin, not cremated, because I remembered him being against it. Now I'm just angry about it, about caring. I always gave him the benefit of the doubt in the end. Even after the hurtful things he said and never apologized for, never truly understanding how hurtful they were, refusing to listen to me, because he was uncomfortable with taking responsibility for his words and actions. The therapist I saw for a year, told me during one session: "If your parents were able to own up to their actions and objectively reflect on them, you would have been able to discuss your problems years ago." That opened my eyes and I was able to forgive myself for no longer wanting to try so hard.

Full disclosure: I miss my dog way more than I miss him. I'm not sure I even miss him. She was my angel, and I never felt that I wanted to do something else or be somewhere else when we were together. Staying at home, going on a walk on a rainy night, didn't matter. Every moment with her was valuable in itself.

That doesn't mean no one should mourn their parents. It doesn't mean anything except that at best, I have ambiguous feelings toward my dad. Everything he ever did for me was transactional. Same for my mom. At least I hope I will be able to cut loose more from all this after it's over. My bio family won't ever be "home" for me. I've made my home with my friends, and maybe one day I'll start my own, independent from my birth family. Such is life for some folks. Not all of us get great cards dealt at birth. What matters is what you make of your life, try to make it the best you can, the kind you can live without regrets.

[myurlusedtobemyname]

Hi a Canadian here!

About a year and a half ago I had a very bad pregnancy scare so I looked into my rights because I was 20 and I was going to terminate it if it ended up that I was pregnant. Canadian doctors can refuse you treatment, but they are required by law to refer you to a medical professional that will not refuse you treatment.

I went to my university hospital with a uti and was in and out in an hour, I went back with another; in and out in three, went back with yet another and the lead shift ER doctor took me aside to figure out why I was having so many, I was in about out in four hours because they were interested in making it so I stopped needing to go on heavy antibiotics week after week.

I’m 22 and I won’t pay a cent of my medications until I’m 25 because all residents under 25 get free prescription meds without issue or question.

My parents walked out of a three day stay at the hospital with me bundled in their arms paying a ten dollar phone pill because they used a pay phone to call my extended family to tell them that I was born.

Americans have this ridiculous notion that they are the best at everything. Is Canada perfect? Fuck no. Do I have to worry about bankrupting myself when I need to go to the hospital for a uti or when I sliced my hand open when a glass broke? Not even a little

Pimento is right, do we have long non emergent wait times in ERs? Hell ya we do, I waited six hours for my hand to get stitched up, you know what I did? I brought work with me and I sat in the waiting room reading my course work. But my Nana was diagnosed with stage three stomach cancer in the winter of 2014 and she waited about three days to see a specialist, according to @odinsravendutchess this wait should have been closer to months instead of a long weekend.

See the thing is if you are waiting you aren’t top priority and you know what that means? That means that somewhere behind that sliding door those doctors who would be stitching your hand or taking your blood or whatever are saving a woman who fell after a heart attack. Saving a kid who’s gone into their first diabetic shock episode. A man who is about to have a stroke. A teenage boy who came in with his mom, both of them in tears, and he’s being seen by an intake nurse who’s going to send him to the psychologist.

I’d rather fucking wait than have it be that any one of those people end up not getting the help they need. You aren’t the centre of the universe no matter what you think. Sometimes people are more in need of help than you are.

Universal health care means that when I was 6 months old and I got a lung infection I wouldn’t die, that when I was having chronic ear infections as a 2-4 year old I wouldn’t end up with meningitis or hearing loss or facial paralysis, that when I was 11 and I got H1N1 my parents didn’t need to worry that I was going to die from it, that when my brother called them sitting in his car they could get him to the hospital for a 24 hour stay and save him from doing something irreversible without worrying that they couldn’t make the mortgage payment or buy groceries or take us to the movies or a baseball game or or or or or. My parents couldn’t have imagined the hell that would befall their three kids. Alone I would have bankrupted us before I was in the first grade if we lived in America.

No system is 100% perfect but America’s is broken beyond understanding. You shouldn’t have to pay extra to hold your baby after it’s been born. Insulin shouldn’t cost the same as rent. Doctors shouldn’t push medications (especially when there are better/ more suited/ more effective medications) because pharma wants to make some money. None of that is normal. None of that is okay. Understand that America isn’t the utopia you were taught it was (yes I’m mostly talking to other white people now) I hope you never have to experience it first hand but damn take some time to imagine what it’s like at least.

And just btw your casual racism is showing big time Odin. Maybe learn a thing or two about health care in other countries (especially neighbouring countries) before you go spewing this America’s number one bullshit. It’s tiring and stupid. Don’t forget Americans are biiiig fans of healthcare tourism bc your system is so broken, but you don’t see us bemoaning that. (I’m on mobile so I can’t link but if you google medical tourism among Americans you’ll see that in 2017 more than 1.4 million Americans sought care abroad, a figure up significantly from a decade prior (2007) when the number of Americans leaving the country for care was at 750,000)

Oh and if anyone’s about to come for me almost getting an abortion or my parents for giving us all those life saving drugs or anything I mentioned in this kindly fuck off

[keanuweeps]

At the end of the day, I am extremely doubtful we will ever get free healthcare.  Not because we can afford it-- we could afford it, we're one of the wealthiest countries in the world, the money is here if it's anywhere.  Not because it is impractical-- other countries have and do do it.  The state of Connecticut offers it to people in poverty here through the Husky Health program, and we're one of only 10 states that pay more to the federal government in taxes than we get back.  I'm on that Husky Health program, and it has worked wonders in my life. We won't get free healthcare not because it is impossible, but because too much wealth in this country is made through the exorbitant costs of the dysfunctions in our current system.

So many people are bankrupted and hackneyed by medical debt.  Someone OWNS that debt.  Someone is collecting the interest on that debt.  The reason many medications and treatments are expensive is not because hospitals are really that expensive to run, or because doctors are all living in hilltop mansions, it is because someone is making their cut on it, and their cut on it is massive.  There are hundreds, if not thousands, of Martin Shkrelis out there, and the reason they aren't in the media is because they're smart enough not to brag about it on twitter.

And we don't talk about this part of the issue why?  Because the people who profit off of the ruins of our lives use their cut to make sure we don't.  To pay lobbyists, to pay media companies, to make "donations" to candidates who say things like "well, free medical care would be great, but are all you poor people going to pay for it? You can't afford your own cancer treatment, do you really think your taxes can pay for someone else's?" when the people who would get the free health care by and large would save a significant amount of money, and everyone that isn't rich enough to buy the patent for a medication and raise the price a thousand and fifty percent would save a significant amount of money, including hospitals and doctors and so on. Or they'll say "Our current healthcare system already barely works-- and you want to bring in a new one, with a new host of problems?"  because no one is talking about why ours doesn't work, because the lot of us like to assume it is due to human error, and not the profitability of those dysfunctions.

[alarajrogers]

braveday said:  private insurance companies are the sole (ONLY) reason why people go bankrupt because of medical care. The astronomical price of medicine is entirely due to greedy capitalists. we need to get money out of medicine and M4A is the only plan that will state that process

I don’t disagree with any of that, but I think you’re missing my point.

In a sane country, healthcare run by the government wouldn’t result in women periodically losing coverage for birth control because the politicians that answer to 30% of the electorate have 50% of the control and include a really, really reactionary, misogynist, religious right-wing as part of their coalition. However, that is not our country.

We need to recognize that even if we get control of the Presidency, the House and the Senate, we won’t keep that control; it took a long, long time for the Republicans to achieve the dominance they have and it will take a long, long time for us to win back the kind of control we once had and not have to worry about what happens the next time the Democrats field a flavorless candidate and idiots vote for a Republican who tells pretty lies.

Every time Republicans are in charge of the government, the government-sponsored Medicare For All will stop covering anything to do with birth control. Right now, women covered under Medicare don’t generally need birth control because they’re post-menopausal, but if you don’t think the right wing would use the fact that the government is the only source of health insurance to try to punish women for having sex, you aren’t paying attention.

I want private insurance to continue to exist as a supplement to Medicare For All, to make sure that if the government stops covering a thing, we can still buy insurance that covers it. Right now, some private insurance plans will pay for abortion, but it’s the law of the land that no government funding is ever allowed to. They’d happily expand that to birth control itself. I’ve also seen that private insurance run by right-wingers tries to make access to mental health meds very difficult, so I expect government care run by right-wingers would do the same, and the government’s history with overreacting to “abuse” of painkillers by trying to keep people from having them means that people with legit prescriptions may not be able to get their painkillers. 

We need supplemental insurance to protect us from Republicans running the health care system, which they will, approximately every 8 years or so, if all care is paid for by the government. That isn’t a good reason not to have all care paid for by the government. Republicans haven’t stopped elderly people from getting the cancer treatments that Medicare pays for, after all. Medicare for All would still be a better system than what we have. But there’s a glaring weakness in it -- the thought that any system run by the government would stand up to the extremist right wing indefinitely. 

Some countries that have universal health care also have supplemental coverage that can be paid for independently. There’s nothing about allowing private insurance to continue to exist as a supplement to the government-paid care that is inconsistent with universal health care. 

We don't need centrist incrementalism. We don't need to protect private insurance companies. We don't need employers controlling your insurance.

We need #MedicareForAll

[ultimatestudyabroad]

Health Insurance: Adding Insult to Injury

Not only have I been unemployed and homeless since I arrived back in America, but I’ve also not had any health insurance. So, on top of worrying about how long I can make my money stretch and stressing about whether anyone will ever hire me, I’ve had this nagging voice in the back of my head: You’d better not get sick, Mel. You’d better not need a prescription filled, Mel. Don’t go ice skating with your friend, Mel. If you break your ankle, you don’t have health insurance.

I feel the need to pause here and clarify for my Australian friends: no health insurance = no health cover of any kind. This isn’t a “I don’t have private insurance, but Medicare still covers me” situation. (Note: universal health care in Australia is called “Medicare” whereas “Medicare” in the U.S. is primarily for the elderly – this can admittedly get confusing). In the United States, if you don’t have a job, you don’t have health insurance (unless you buy it yourself, but we’ll get to that). There is no automatic social safety net.

When I was younger, I would simply take the risk of not having insurance in between jobs. In retrospect, I was lucky nothing serious happened. But now, I’m older, wiser, and only two years away from the age my mom was when she was diagnosed with breast cancer, so no insurance is no longer a risk I’m willing to take. Before I left Australia, I tried to figure out how to get some insurance until I get a job. I didn’t have much luck. Because here’s another oddity in America: you can only buy/make changes to your health insurance at certain times of year, the “open enrollment period.” There are exceptions to that, of course, for major “life events” like getting married, etc. and it turns out that returning from living abroad is one of them. However, outside the open enrollment period, options are scarce. They are also tied to the state you live in and I wasn’t sure where I was going to live! The only plans I could find were so expensive and so crappy that I decided against buying “real” insurance and instead obtained emergency cover through a travel insurance plan for expats returning from abroad. I figured I just needed something to cover me in case I was in a car accident or I needed an emergency appendectomy or something like that. I figured I’d only need it a few months and then I’d have a job (hahahahaha, joke was on me). I bought the plan and extended it once. Then open enrollment hit and I still didn’t have a job, so I knew I needed to bite the bullet and get some health insurance.

Some of my friends in Australia assumed that Obamacare gave all Americans health insurance and I had to explain to them that it merely required us all to have insurance; it didn’t give us anything. It did add some regulations to make our health insurance plans suck less and it created the marketplace, a website where individuals could go purchase their own health insurance if they didn’t have any through work. And this is where I went to buy my insurance plan, an eye-opening experience. I entered in some demographic information and where I lived so that the system could identify plans I was eligible for. I got to a screen that asked for my anticipated 2020 income. I entered “$0.” I mean, the whole reason I have to go through this is that I’m unemployed! In return, I got the message that, based on my answer, I do not qualify for subsidies to help cover the cost of my insurance. What?! How can someone with no income not qualify for the assistance the law provides for the insurance the law requires people to have? Oh well. I wasn’t terribly surprised by this. I’d already made weak attempts to see if I could qualify for any kind of social welfare program. Unemployment? Nope. Medicaid? Nope. For food stamps, I was at least asked to provide some additional information, but after that, I never got any kind of response…

Anyway, I cursed the heavens and clicked through to see my plan options. Words cannot express how shit these plans were. As I report on this, bear in mind that I am a healthy, non-smoker with no pre-existing conditions. Plans that were affordable – around $250-300 a month – had deductibles upwards of $8,000! Meaning, I would need to utilize $8,000 worth of medical services before my insurance would kick in. Now, I neither intend to need $8,000 worth of medical services nor do I have $8,000 to spend on medical services. Some of the more affordable plans also had no cap to the out-of-pocket expense. For example, if once I had met my $8,000 deductible, I ended up in the emergency room, I’d still be responsible for, say 50%, of the total cost. For other kinds of treatment, insurance might pay 80% and I’d be responsible for 20% (again, this is all after I’ve met my deductible). Two things make these kind of plans a very bad idea. First, as I mentioned, I have a family history of breast cancer. My boobies are most likely going to turn on me one day. I don’t just need insurance; I need cancer-quality insurance. This fact was vividly driven home to me in the month before I went on the marketplace, when two people I care about were diagnosed with breast cancer. Crappy insurance is not an option for me.

Secondly, health care in America is expensive. How expensive, you ask? Check out this thread of responses from when Bernie asked the same question. From personal experience, I’ll give one example. Before I moved  to Australia, I’d been having annual breast MRIs as part of my preventative care.  My GP in Australia wanted me to continue that type of screening, but warned me that my overseas student health cover (basically, the equivalent of Medicare) didn’t cover MRIs. I immediately refused the test and we got in a bit of a spat over why I was refusing her recommendation. I told her I could not possibly afford an MRI out of pocket. We went back and forth a few times before she finally looked up the price: $500. FIVE HUNDRED DOLLARS FOR AN MRI! The total cost of this test in the U.S. is $3,000-4,000. I told her that. She almost fell out of her chair. This kind of experience happened to me several times in Australia. I’d be having a disagreement with someone on health care and there’d be this sense that neither one of us really knew why we were so opposed to each other and the reason turned out to be that we were operating from two completely different frames of reference. To close the story, I had my MRI (and my OSHC surprisingly ended up covering it! This – paying less than what you think you’re going to have to pay -- is something that never happens in America!)

But back to the Marketplace. I ended up choosing a plan that had an out-of-pocket maximum. I’m not interested in going bankrupt because of medical bills. I also chose a plan with $0 deductible because the difference in cost between low-deductible and no-deductible plans was fairly negligible. So, my plan isn’t that bad (or, I should say, it doesn’t seem to be. We’ll find out when I actually try to use it). What’s this costing me, you might be wondering? $580 a month! Please recall that my income is currently $0. I do not have $580 a month, which is only $139 less than what my mortgage was before I sold my house! Americans reading this are most likely thinking, “yeah, that sounds about right” whereas my Australian friends are probably a little shell-shocked.

To give my American friends some context … When I moved to Australia, in order to get my student visa, I had to pay for 46 months (the duration of my visa) worth of health cover up front. At the cost of my new American health insurance plan, that would have amounted to almost $27,000. Instead, I paid $1,893.12! That’s just over $40 a month. And for that, I got amazing health care. I went to my GP all the time because it was so easy and it was free. The only time I ever had to pay was $35 for a blood test that wasn’t fully covered (and I got part of that back from my insurance within a WEEK of submitting a claim!) My OSHC didn’t cover prescriptions or routine dental, but both of those things were cheaper fully out of pocket than they are in America with insurance. I once had to take an American study abroad student (who had no Australian health insurance) to the equivalent of urgent care for strep throat. He waited less than five minutes without an appointment (can’t remember the last time I waited less than 20 minutes in the U.S. even with an appointment). He paid $50 for the visit and $10 for his antibiotic with – I repeat – no insurance.

I listen to the Medicare for All debates in the Democratic primary and my first reaction is to be completely flummoxed that anyone (other than a health insurance executive) could be against it. But upon further reflection, I think that Americans are just so used to being screwed by their health insurance that they find it hard to conceive of an existence in which they are not. We are so conditioned by the structures that run our lives that a functioning system seems fanciful. Once I got to Australia, it took me some time to believe. During pretty much every encounter with the Australian health care system, I was confused/surprised/skeptical that it really was that easy/quick/cheap. Now that I’m back, I’m equal parts a) dreading the reverse culture shock that will occur when I need to go to a doctor and b) pissed off that the “richest country on earth” extracts so much profit from the health of its citizens. So to my fellow Americans I say: support universal, single-payer health care! Trust me, you’ll love it.

[walduissymavelleyq94insuran-blog]

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Question about auto insurance.?

"Question about auto insurance.?

I'm not gonna get into specifics, but here's the situation: I need to know if there is some way I can add my 17 year old nephew to my auto insurance. He doesn't live with me, however we are in the same state (Colorado if that matters). Is there any way I can add him to my policy? Or does it have to be his parents?

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

RELATED QUESTIONS: 

How does a car insurance work?

So the other day i hit an 06 mustang and it left a 1 inch dent it was very small i exchanged info and all then the lady called me and told me the damages were $1008 my insurance said they are going to go check the car to make sure, i was just wondering the dent seemed like a $250 dent will the insurance give them what they say or what the lady says its supposedly worth?""

Should Insurance companies be forced to protect against preexisting conditions? Buy Ins after car gets stolen?

How much would that add to the insurance premium if they had to pay out for preexisting conditions? What if you totaled your new corvette and bought insurance the next day. How soon before the insurance companies went bankrupt and we had to go to the government option. (Where you would be forced to drive a Yugo in order to qualify).

Would you be in favor of health insurance plans that cost less but force you to make lifestyle changes?

I saw somewhere that an estimated 90% of diabetes, 70% of heart disease, and 60% of cancer cases are directly related to either obesity, sedentary lifestyle, tobacco use, or drinking outside of moderation. For the amount of people that whine about drug prices, insurance costs, and drug bills, 1 out of 3 americans is overweight, something like 1 in 5 americans over 50 or 60 or something are diabetic or prediabetic (each case of diabetes costs an average of $10k per year in treatment and complications), and about 1 in 3 die of heart disease. People do not take personal responsibility for themselves, and they cost society a lot of money. Would you support an insurance plan that would be lower cost, but would drop your coverage if you developed a chronic disease like diabetes or something, and failed to get your weight down to a certain goal, mange you condition, etc. or maybe COPD and maybe you would have to quit smoking within 6 months, etc etc? Would you join the plan? Is it fair?""

Should I shop for better car insurance rates?

I am looking to buy a new car. It is a 2005 Pontiac Sunfire. I live in Wisconsin, am 29, and have an excellent driving record. I need full coverage, and called my insurance agent (Progressive- which I've been with for over 12 years) and they said, for an average, about $500 every 6 months. Is this a little high or is this about average. Are there any other car insurance companies that might offer better rates?""

""I'm 16 with a permit, can I get a car and insurance in my name?

Im a girl. I'm getting a car in may.. But I'll only have a permit. Will I be able to get insurance and a tag and stufff on my car ??

How can I find out the legality of an auto insurance advertised online?

I''m shopping around for my car insurance online and I don't know how to find out which one is good legally. Please help.

Car Insurance different address than car registered address?

Hi, I have insured my car on my friend's address because his postcode turns out to be very cheap for my premiums. My car and Driving Licence are registered on my home address but when I buy insurance on my home address it goes double. Do you think insuring my car on different address is wrong? What if I get my car registered on to my friends address same as my insurance policy? Would that be safe and legal? Please help me in clearing the confusion and doubt.""

What would be the best option of the mortgage or life insurance in case of serious illness? ?

Also if two people are on the mortgage do they both need separate insurance or one will cover them both?

Car accident cause my current insurance to go up?

I had an accident a few months back which I was not at fault but caused my car to be written off, I bought a new car yesterday and wrang up my insurance company who said that since I had an accident that to change the insurance over to this car for my remaining 4 months insurance would cause my insurance to go from 166 a month to 240. The car is a lower insurance group so it shouldnt have changed my insurance. I don't understand why I have to pay more? If my car hadn't been written off my insurance wouldn't have increased until the following 4 months so how come when I change my car they decide that I have to pay so much extra a month now?""

A good hatchback car for 1000 with a cheap insurance for young people?

I've been looking at so many cars and I really don't think I've found one really worht the money I'm looking for a car that's not old All I have seen is a Rover Metro and Peugeot 205/306 and some others but some of these car are still too old I just really want some good advice, thanks :)""

Best health insurance for 22 yr old?

Okay so right now I have insurance through my job and the insurance really blows (for lack of a better term). Every time I go to the doctor I end up paying a couple hundred dollars for the tests they have to run (I'm a girl so I go once a year). Plus they don't cover hospital visits (had to go the emergency room and me insurance didn't pay a dime so I had to pay $500 out of pocket for the visit). So I was looking into getting my own insurance but I am not sure which one I should get. I live in Arizona and I am a 22 year old female. The only time I go to the doctor is for my yearly gyno visit and if something is really wrong (which is very rare). I would also like a vision and dental with it too since I go to the dentist once a year along with going to the eye doctor. So any suggestions would be nice :) Thank you in advance.

Why is it so difficult for me to get health insurance?!?

Im 23 yrs old in Maryland and Im trying to buy my own health insurance for the first time. I havent been to the doctor in so long so Ive been having issues lately with my seasonal allergies. During this past year I went to an ENT specialist without insurance to get medication/prescription for a sinus infection and paid cash. The ENT specialist recommend I get sinus x-rays if the medication didnt clear up the problem. I am still having issues with it so I decided to apply for insurance so I could afford further treatment. However Ive applied to 2 places, both companies called me for an interview where they asked me a bunch of questions over the phone about any treatments I received or have been recommended to have. I have been declined twice with them saying get the recommended treatment done then reapply WHY??? OMFG I dont have a serious ongoing illness why are these people giving me such a hard time???? =( What do I do?? Thanks.""

Medicaid insurance with another insurance?

I was wondering what the qualifications are for Medicaid. Specifically, I have UBH insurance...since I have insurance already, would I still qualify for Medicaid? I am 19 years old and live on my own now.""

""What is the average car insurance premium in Mississauga, Canada?""

Hi, Can anyone please provide an realistic figure of how much it would cost per month towards car insurance in Mississauga. Checked in the below website and gives a high spike in rate : $600 CAN per month ! https://www.kanetix.ca/auto-insurance (Given 5-6 yrs of clean driving history in US)""

Health Insurance and Lost Wages?

I'm going into surgery for my meniscus being torn during a skiing accident. However, I am a waitress and will not be able to work for at least 2 months. My employer has told me that I will have my job when I return, however I seem to be at a loss as to what I can do to try to recover lost wages.""

Exactly what did Health Care supporters mean by affordable Health Care?

I talk to many that say much of their income is going to Health Care. Will Obama care really bring affordable health care to those who cannot afford it? This seems a little confusing?

How much would these cars cost to run per month?

renault clio 1.2... citron Saxo.... corsa (old) including tax , m.o.t and insurance and watever you have to pay for :) x""

How do I challenge my auto insurance company's appraisal of damages to other car in an at-fault(my) acci ?

I read-ended another car at an intersection. Both of us were stopped at a light. When the light turned green, the other car started moving and immediately slammed on brakes. In the meanwhile, I had taken my foot off brake and hit the car (at < 5mph). The other party has filed claim for $1350 for damages and also for unknown amount of bodily injury. There is not even a mark of any collision on my car (as the speed was low). My insurance company has agreed to their claim related to damages and is waiting for the exact amount for the bodily injury claim. This has been quite unfair to me and will definitely bump up my premium like crazy. Is there any way I can challenge my insurance company's appraisal of the damages ? Are there any other alternatives ? What kind of evidence would I need to furnish for the same ? We had called a Cop to report the accident. I wanted him to note that the impact was at < 5mph. However, he refused to do that saying that this would be left to insurance""

Cheapest type of insurance for 17 year old?

iv heard of black box insurance but this doesn't appeal to me most? so what companies or types of insurance are cheapest??

What is the cheapest van insurance for a 18 year old with no previous insurance with a full lience?

What is the cheapest van insurance for a 18 year old with no previous insurance with a full lience?

What do you know about car insurance / car-totaled?

What is the law? You have a car; it is rated @ $3,800.00 book value. Another driver hits you in the rear at a Pa. borough crosswalk as you are traveling through and have stopped for a person crossing the street. You are nearly pushed into the pedestrian, but thankfully you were able to stop your car in time. The other driver is in the wrong of course; but how much does the offending driver's insurance company need to pay to fix your car? I'm having a problem - my estimate is $3,277.00. I am told to look for the car to be totaled and 80% of the book value is what the insurance company is required to pay. Does anyone know is this is true? This car is a 1999 but only has 58,000 miles on it and is in mint condition. I have owned it for 4 years and during that time have not put a penny in it for parts & repairs. To get another, I would take a great chance on getting one which is not nearly such good quality. I'm wondering if the insurance company has a maximum that they will pay for repairing - if so maybe I could add a little to it so I can keep this car? Didn't appreciate it so much until after the accident!!!!""

How Much is this Emergency Room Visit without Insurance?

My aunt got really loopy yesterday after hearing bad news and i took her to the emergency room. They took her blood pressure, pricked her finger to test her blood sugar, the nurses/doctor asked her questions, and they gave her an anti-anxiety pill. That was it. No xrays or anything else. it took about 3 hours all together with the waiting. would this still be about 500 - 1000 bucks?""

How much is car insurance usually in UK?

I live in London and don't have a clue about this thing but I just passed my test at 29 and hope to get a decent looking car that has had a previous owner and don't under all this quote business. I've got about 2670 to spend. So half of that will be for a deposit. How much do most people spend on insurance a year and what would be a cheap price range for me to look for? How much should it be for a month?

""Insurance price for dui, speeding and driving w/o license?

big predicament i got myself into... now i would like an estimate if u know how much insurance would be with these convictions. my previous premium for my 2006 car was approx. 800 for 6 months... thats with clean record... now how much u think it would be now? if im going to do this legitimate i know im gonna have to pay an arm and 2 legs...crap.. any suggestions at all would be very helpful...

Two insurance on the same car?

My dad has insurance on Saga and his policy ends beginning of October. I (age 19) wanted to insure on the same car from June till October but saga wouldn't let me (since I'm not 50). Is it possible for him to take another insurance from June onwards for a year and add me as a second driver till October and the take me out - while keeping Saga/s insurance running at the same time??

Question about auto insurance.?

I'm not gonna get into specifics, but here's the situation: I need to know if there is some way I can add my 17 year old nephew to my auto insurance. He doesn't live with me, however we are in the same state (Colorado if that matters). Is there any way I can add him to my policy? Or does it have to be his parents?

Can you have two insurance policies on one car?

My Dad has a classis car, I would like to use this car for a weekend, but as i am only 19 I cannot have classic car insurance so I cant go on as a named driver. Is there anyway I can insure this car for a weekend?""

Cheap car to insure-young driver?

I'm 17 going on 18 and was looking at cheap cars to maintain and insure. I was really interested in the mini cooper s and new vauxhall corsa. Any opinions or suggestions? Thanks in advance

""Life insurance, how much is the cost?""

for 500,000$ insurance, for my family should something happen to me. i don't want my family to get in any trouble should i be gone. where can i get some estimates?""

How much on average is insurance for an audi a3 convertible?

How much on average is insurance for an audi a3 convertible?

""Which is worse: increased taxes, or a high insurance premium?""

http://www.usatoday.com/money/industries/health/2009-09-15-insurance-costs_N.htm for some reason, I'd pay any tax to fund socialized medicine thrown my way rather than pay $13,375 a year for a family of four. and you'd be crazy not to yourself. and besides...the tax would never be 4,824, which is the average a single person pays per year.""

How expensive of a car can i get if im military?

I'm looking ahead into the future a bit but in about a year i will be an E3 in the USAF. I will be bringing home about 1700 a month before taxes, so about 1300-1400 after taxes. I only have about 100 a month of bills and obviously live for free(housing and food). I was wondering, how much of a new car can i finance through a dealership. I have about 1000-1100 after i set aside some money into the bank. So that leaves me about 1000 a month that i could set aside to car, and insurance. I know my insurance will be pretty high, but i was wondering if anyone has any first hand experience as to how much of a car i'd get approved for. BTW: I have good credit, i dont have anything big on my credit report, but ive had credit cards, and cell phone, and furniture and insurance payments for about 3 years, and never had any problems with payments. So my credit is good with what i have, but i dont really have anything big so i would need a codigner if i were to try and get a car today. But from what ive read dealers usually approve anyone in the military, and especially if they have decent-good credit. THANKS!!!""

""I have a company car, who should pay for the car insurance?

I have a year contract with this company and they are giving me a car for the duration of my employment. they told me i can use it for personal as well as work use. they told me i have to pay for my insurance though. is that fair?

What insurance plans are available in hawaii?

What insurance plans are available in Hawaii?

How to buy a written off car from the insurance company's?

I am looking to buy a car but i don't mind buying a written off car. Cos they cost less and you get more for your money, Does any one know how to buy it of them? How to get in touch with them, I would appreciate your help. Thank you""

Insurance for quad biking abroad?

I'm going on holiday in a couple if weeks and have already bought travel insurance that covers everything apart from the use if quad bikes. It's likely that me and my group will want to use them at some point, and I'm wondering if its possible to either buy insurance out there, or buy insurance online for quad bikes only. I don't want to buy a whole new insurance policy as this will cost another 20, and I am already covered for everything else. Thanks.""

What Cheap car insurance do you use?

What car insurance do you use?

How much would I pay for motorcycle insurance in Hawaii?

How much would it cost to insure a 500cc or less motorcycle in Hawaii for a full-time female college student with a 3.0 or better GPA who is 19 years of age and single and has one speeding ticket on her record? I would just like a ballpark range to work with so I can decide whether or not I want to buy a motorcycle for going to college and work while I'm here in Hawaii. I passed a motorcycle safety course and have my M1 license. I want to know if I could afford the insurance.

Car Rental USA Insurance?

I am getting really annoyed with trying to get a quote for car rental in USA. For basic rental I have been quoted $200. But then there are all the insurances: Loss Damage Waiver (LDW) Supplemental Liability Insurance (SLI) Personal Accident and Effects (PAE) What do I actually need to have as they are really expensive!!! Adding just the first two takes my rental up to $500. I am very confused. What legally do I have to have? Someone told me the US insurance is strange cos you can get sued for an accident and end up paying thousands of dollars out to the person you hit. Can I just get insurance through my own car insurance here in the UK rather than paying $300 dollars??

What is the average insurance costs for a food truck small business?

The truck would serve hamburgers and grilled sandwiches and would be operated by the owners (no employees). It would operate only part time during summer months (maybe 50k/yr revenue).

In CANADA - Why is car insurance cheaper for women?

I understand that women are less liability statistically, but to base car insurance rates on gender is a violation of the Charter of rights and Freedom - despite the fact all regulations, policies and laws are suppose to be constituted by it ... One of two things can be the case, either: 1) The Charter is a piece of paper as important as the toilet paper which I use to clean myself after excrement. 2) There is something which I am not understanding. Someone please offer a good explain and ill give ten points.""

Please Help...Will i be able to get any health insurance?

Im a 21 yr old female, who benefits from deferred action. im currently working two jobs and going to community college. money is TIGHT. i know being protected under deferred action will not provide me any health insurance help but can i still be able to get ANY help? im a type 1 diabetic as well and the cost of insulin and doctor visits skyrockets every single time. i live with my parents but i dont receive money from them. i guess long story short. can i get any type of health insurance? if i dont die from diabetes ill die from the cost of it hahaha. i live in Southern California if thats any help. thanks in advance :)""

How much would insurance cost me on a 2008 Mustang GT?

I'm 17, I've never had a ticket. If I were to get it under my mom's name with me as a driver, how much do you think it'd be?""

Are you required to first get an estimate from your insurance for car repairs?

I recently got into a car accident and I'm trying to get repairs done. Do I have to get an estimate of damages from my insurance company first or should I go ahead and get estimates from an auto shop? I've heard that if you get your car estimated by the insurance company first, they tend to overlook problems and try to write you a quick check and normally won't give you more money if more damages are found by the repair shops. But I don't know if I'm supposed to get my own estimates first? What should I do? Thanks!!""

""If my car was severely keyed, and i want insurance to pay for some of it, will my geico insurance rate go up?""

psycho ex bf keyed every single panel of my jeep, including F^&* you and cya boo and a couple of X s. fml. there's no way in hell i can pay for it on my own but it is so embarassing. if i try to get insurance to pay for it, will my rate go up?""

Insurance for 18 year old in cooper s with 1 year ncb?

Im 18 with one year no claims, looking to buy a Mini Cooper s, anybody recommend any insurance companies or had any quotes or advice would be good thanksss :)""

Car insurance for teens. Do I NEED to be listed on my parents policy?

My parents have triple A auto insurance and I have recently gotten my drivers license. I have tried to research the requirements for insurance by law on the California DMV website and the most concrete statement I found was some numbers that cover various damages and injuries (DMV website is not working properly so I cannot look it up). My parents insurance obviously covers the basic and more. However, my parents policy states that Any relative that has consent of the owner to use the insured vehicle is covered by this policy - These are not the exact words as I don't have the policy on me, but it is pretty damn close. In the definitions portion of the policy, it states a relative as anyone related by blood, and some other stuff. I am my parents son so I am obviously related by blood, thus their policy coverage extends on to me when they give me permission to use their vehicle. I did not find ANY California laws that required me to be on the policy. i only found information that said I only need that minimum coverage which my parents policy does provide. We did contact triple A about this and they did not give us a reasonable answer. All they said was that they WANT my parents to add me because THOSE ARE THE RULES. Seems like they just want more money in their pockets. Can someone give some advice? Thanks.""

Minor car accident without insurance?

I caused a scratch. But I don't have insurance by that time. What am I supposed to do? Go to beg the old lady stop claim insurance company but solve that privately? But she already reported to insurance company. Can she withdraw the claim so we can solve privately? Any other choice?

How much more would insurance cost if I bought a used 2005 VW beetle with a convertible top versus a hardtop?

Thanks!

Is it illegal to apply for car insurance at a different address?

My cousin has only just passed his driving test and is struggling to get insurance due to the area that he lives in. (I'm not sure whether he CAN'T get it or it's just really expensive) Anyway, he wants to know whether he can register it in his name but at my address as the area that I live in is a lot cheaper. I told him I'm sure this could be classed as fraud but he said it's not. Could anybody shed any light on this? Which one of us is right?""

When you buy a new car ... does it come with insurance?

someone told me that after you buy a new car .. the dealership gives you insurance for a month until you get your own. is that true or do I have to get insurance before I buy the car?

Question about auto insurance.?

I'm not gonna get into specifics, but here's the situation: I need to know if there is some way I can add my 17 year old nephew to my auto insurance. He doesn't live with me, however we are in the same state (Colorado if that matters). Is there any way I can add him to my policy? Or does it have to be his parents?

Looking for car insurance in Michigan?

im 19 years old and me and my girlfriend are looking for an apartment together and we need car insurance. i looked around and cheapest i could find is about $200 for plpd. where should i look? is there any chance i can get it around 100?

Cost to Insure Skyline.?

got a R34 GT-r. maybe thinking about downgrading to a GT-s R33 cuz i the insurance is a little ridiculous. $640 Thats full coverage and im only 19 :P turnng 20 soon. Which would be more to insure and what you think it would cost to insure the R33? I do have 1 speeding ticket and one wreckless driving back when i was 16.

Getting Health Insurance?

I recently moved to New York City and the health insurance is expensive here. I was living in Virginia with my family and they still live there. Can I apply for Virginia health insurance, even though I'm living in NYC?""

How long can i drive without a car insurance ?

lets say i bought a new car, can i for instance drive it for a week without having a car insurance ?""

How much on insurance do you think this car would be?

Hey everyone, A little background on me first. I'm 18 and a female. I work at Popeyes (maybe Kohl's soon) and I am looking at getting a 370Z Nissan. The car ( with the features I want done to it ) costs about $45,000. I'm just wondering how much insurance will cost and if I can just stick with Popeyes or have to get a second job. I wont be getting the car till another 3 months because I need to save u for a down payment but I didn't know how much insurance will cost. If you guys have any clue please let me know. Thank you so much(: -Tayson""

Online car insurance quote?

My husband and I are looking for ways to cut back spending. We wanted to look for better car insurance rates so we looked online and got a quote that was considerably less (about 700.00 less a year) with the same deductibles and options we already have. My question is ... has anyone done this and had good luck with it? And does this to good to be true rate increase after they real you in? And what is a good company to go with?

Would a 4 door suv be cheaper on insurance than a 2 door suv?

well called an insurance company the other day, the person on the phone said it doesnt matter how many doors there is on it, it depends on the make and model.I dont know if she just thought i was talking about a pick up truck or what but shes has me confused i appreciate the help.""

Will my insurance go up?

My brother got a ticket while driving my car, will that make my insurance go up?""

Can I own my car and insure it on my dad's insurance? Please help!!!?

My dad currently own my car. I'm older now, and have been borrowing his car for college and work. I am planning on switching the car into my name. He wants this also. But I believe it would be cheaper for me to stay on his insurance and pay him for my portion. I did this for the past 6 months but he still owned the car. Is this legal in California? My boyfriend does it with his mom, owns his car and goes through his mom's insurance, but my dad doesn't believe me that it's legal and fine. I need some proof to convince him that this is the best way to do it and that it's legal. Please, someone help me!!! Thanks!""

What's the best company to get individual health insurance? What organizations offer group health plan?

I am talking about health insurance that covers doctors, prescriptions, and hospital expenses.""

Car Insurance question - Do you own your home?

We just got married and the house is in my husbands name, even though I am on the deed papers as well. I am just applying for a car insurance and I'm not sure what to answer to that question... Any advice please?""

Which brand of car is cheap to buy and insure for a 19yr old who has just passed?

i live in UK, London. im guessing something small would be cheap like a vauxhall corsa, but are ther any other alternatives because everyone i know who passed has a corsa. i want to be unique...kinda. also what price would i be looking at? anything under 500?""

Motorcycle insurance?

what would be a reasonable monthly rate for motorcycle insurance? For an 18 year old male, with a 125cc honda CL125S two-seater. In Pittsburg, PA. Looking for low-end prices.""

""What would be cheaper, insurance wise (car title)?""

Have the car title in my own name and have my own insurance, or have the car title in one of my parents name and be under their policy as a driver to the car?""

If Im late 4 days on my car insurance payment will they terminate my policy?

There was an unexpected illness in the family and I am going to be about 4 days late paying my auto insurance bill. How will this affect me? will they cancel my policy? will they charge me an extra fee? any help is appreciated...

Where do i go to see a physician without any health insurance in California?

Hi , I'm 21 and I don't have any health insurance, I want to see a physician so I can get more information on estrogen pills because I want to have smoother skin and look more like a girl than a man but i still want to keep my man-hood . Can anyone help?""

Will my car insurance premium go up?

I just recently hit a deer and the only car damaged was mine. I am covered under my policy b/cause I had comprehensive. Here's my question: Will my insurance premuims go up if I use the dealership's auto body shop and not the insurance company's auto body shop? This is the first claim I have had with this company and I have been with them for over 7 years.

Best place (in australia) to get car insurance???

hey ive just finally bought a car now i want full comprehensive insurance weres the best place to go through? like aami,racq,nrma,real....etc thank you.""

Will 'fail to stop at red light' for 1st time affect my GEICO insurance rate ?

I just switched to GEICO last week and unfortunately got a 'fail to stop red light' citation from SoCal DMV... they required me to pay 480$ for the ticket and 535$ + course fee for traffic school if I need one. I really don't want to pay for the traffic school but afraid it will affect my insurance rate later. currently I am paying 760$ every 6 months for full coverage on 2 mid-size cars. Could anyone give me some idea for this? PS: I had 4 years driving experience and kept clear record with allstate before getting this ticket...

Car insurance denied claim because they cannot contact its insured.?

Hi. On April first, my neighbor hit my dad's car in our neighborhood. Our garages are facing each other, and my dad was going backwards to get out of our garage. He was already in the street and he was ready to go in his way. Suddenly, our neighbor back out from her garage very fast and hit the driver door of my car. She didn't stay in that position, she moved and my dad did the same. The white bumper of her van had no visible damages, but my door needs to be replaced. Also, there is white paint in car in the place she hit it. We asked for her insurance, but she didn't have it in that moment. We wrote the plate number and took some quick pictures. I called my insurance to report the accident. In the night, when she returned home, we asked for her insurance, but she refused. We called the police and she agreed to give us her insurance information. In fact, she wrote the information herself. I called her insurance(Geico) the next day, and she had already made a claim, and she only said she didn't hit my car; she didn't give more details. My dad gave his version of the accident with a lot of details, but she didn't do it. Her Insurance tried to contact her, but there is no answer from her. I see her everyday, so I am sure is not responding on purpose. Now, her insurance called me and told me that because she is not responding, there is no way to confirm she was involved in the accident. therefore, they denied liability. I was shocked because they took that decision only because they cannot contact her. They didn't came to take pictures of the place or the cars. So, I tell them I was going to send the pictures I took. I did send the pictures but now, the adjuster is not in his office, and he will be back next week on Thursday. Right now, I don't know what to do, I could pay for the reparation of my car, but I don't believe that's fair. Please, if someone can guide me with this case. What can I do?""

""Does anyone know the best car insurance companies for young people, in the UK?""

When I state best I mean cheapest for a young person. I'm twenty-one in a few months and looking to drive soon but insurance is steep, I found some good companies but just curious to know if there's a specific good one. Any suggestions?""

Why did so many Liberals run away from the ACA as soon as they found out that they'd have to pay for their own Affordable Health Insurance ?

Why are so many Liberals running away from the ACA they declared that they needed so desperately as soon as they found out that they'd have to pay for their own Affordable Health Insurance ? I don't get it ?......Liberals asked for Affordable Health Insurance not Free Health Insurance so why are they running way from Affordable Health Insurance now like it is the plague and even opting to pay a fine rather than buy Affordable Health Insurance for themselves /

Repayment of my health insurance premiums?

I received a letter in the mail a week ago, and can't locate it now. It was explaining as to how there is a government program in place to reinburse for health insurance premiums paid if someone in your household gets NC Medicaid? Anyone know about this as for the life of me I can't put my hands on the letter. Any insight would be helpful. Thanks.""

Should I Get Title Insurance?

I have an opportunity to buy a lot near a lake in Missouri from a lake association for $300. There has been no other owner of the property in the past 30 years or so (since before the lake itself was created and the association was established). As great of a deal as this price sounds, I have the option to pay another $125 for title insurance. Would it be worth it to pay for that insurance considering the amount I am paying for the lot itself? Also, I am not planning to build on the lot any time soon, I just want it to allow for access to the lake and the priveledges of the lake association.""

Can insurance brokers be trusted?

I am getting my first car insured and am thinking about going through an insurance broker because of the cheap price....

Question about auto insurance.?

I'm not gonna get into specifics, but here's the situation: I need to know if there is some way I can add my 17 year old nephew to my auto insurance. He doesn't live with me, however we are in the same state (Colorado if that matters). Is there any way I can add him to my policy? Or does it have to be his parents?

Is there a significant difference in auto insurance rates when males turn 25 years old?

I had a friend who worked in auto insurance for a few months, he said that it is all a myth, which is hard to believe. I live in California, and I wanted to get a nicer car when I'm older but insuance is going to be a killer.""

How much will it cost to replace my alloy wheels wih normal wheels/tyres?

My fiat punto has non-standard alloy wheels and they're making my car insurance too high. How much will it cost to replace them with normal wheels/tyres?

How much cash will be taken due to the Affordable Health Care Act?

I ask how much cash will the IRS deduct from my refund due to me not having any health insurance? OK I know its bad that I have no health care but I just found a full time job a month ago that provides health care that I can afford and use. I did not have any health insurance for the 2012 year and just learned that the IRS will take cash from you refund due to the poor, i.e, me, not having insurance. So can somebody tell me (who is actuality intelligent and knows taxes) how much cash I will loose for this B.S. Law? P.S. Please don't comment just to tell me I'm a lazy jerk who just won't spend the money to get health insurance. I work very hard and work two part time jobs just to have food and shelter. I understand that insurance is high due to people getting hurt and can't afford the bill so it gets written off. When I get hurt or sick I stay at home and heal myself, I don't abuse the system! I just can't afford the monthly payment for health care with my other bills!""

What would be the insurance on these cars?

What would be the insurance costs for a 16 year old girl for a Nissan Altima 2013 2.5 SV, a 2013 mustang v6 and 2013 honda crv EX? Or what are good websites to price it at?""

Big car cheap insurance?

Can anyone suggest some large sized cars that are not high insurance. I'm very tall and need something comfortable but without a massive engine. I need comfort not speed. Plus I much prefer to drive bigger cars. I've looked at Audi's, BMW, Land rover, the usual suspects etc but all seem very high insurance. Even smaller engine BMW's and Audi's are high on insurance. Thanks!""

Car insurance I'm paying alone?

I have to buy my own car unlike very other lucky kid that's 18. So after I buy a used car off of craigslist, what do I do? Where do I get car insurance and what's affordable for new drivers ?""

Health insurance question?

As of right now I am on Medicaid Family planning Insurance, but my husband's employer is going to give us health insurance pretty soon but we don't have it yet. Here is my question will I still be eligible for family planning medicaid when we do get health insurance? Next does health insurance cover tubal ligation if I am not covered by medicaid? If not how can I get my tubes tied?""

How much does street bike insurance compare to a sport cars?

Right now I have an 06 wrx sti, insurance is crazy with me being 19 and not having the greatest record. i've been wanting to get a bike(starting with a ninja 250 probably, no ...show more""

""What are some large health insurance companies, I am 23 and need to buy health insurance for the 1st time?""

Are there any good affordable plans, any recommendations will help, thank you""

""Not at fault in car accident, but insurance says I am?""

I was involved in an accident in 2011. I was going straight past an intersection and another truck going the opposite direction turned at the intersection, striking me. He admitted he did not see me and was clearly at fault. I filled out the police report and it states, by both parties, that he was at fault. A year later I bought a new car. I tried to get insurance. Everywhere I go my quotes are sky high, like almost $200 a month. I asked them why so much, and they advised I was listed at fault in the accident. I called the DMV, the insurance adjuster, and the police, and they all say I am not at fault. Well, the DMV says they see an accident but it does not show who was at fault. The insurance companies keep saying they are getting this info from the DMV but thats not possible. I was told by one small insurance company that this is a tactic used by companies. They see me as not at fault but try to manipulate me to get more money. What do I do to clear my name? I have the official police report, as well as all my medical bills from the accident. Again, the DMV cannot see any at fault, therefore cannot do or change anything.""

Can someone explain how car insurance works?

Specifically, how do you pay for auto insurance? Do you make monthly payments or do you pay it at one time?""

What would the price of insurance be for a 16 year old male after going through drivers ed and taking the...?

behind the wheel license test through the school? I am getting my license in a couple of days and wondering how much it would cost just in case i have to pay for it. We have a 2004 trailblazer, a 1999 grand prix, and a 2000 ford ranger. I get good grades and im not sure what else you need to know. Im in az. Im wondering because i cant put my info on the internet for a quote so i just want a ballpark monthly price.""

Teenager Car insurance?

Approximately, how much will it cost to insure a car? I'm 18, just got my license and the car that I'm going to buy is 2008 Mini Cooper S, I live in Los Angeles, CA and GPA ...show more""

Car insurance and court hearing?

i drove my car without insurance and got by police got 6 points as i m on provisional then again after 2 months i got a car just to move in local place like for shopping and instead of geting a cab i thought i can use it but the moment i bought it i was driving back home police stopped me coz 1 break light was not working and got again points but the point is dvla didnt sent me a disqualification notice and after 3 months i was driving my friends car as it was just a scrap and had no fuel i was in petrol pump abt 12 at night police guys caught be because my friend was making some funny sounds there so got hearing and 1 yr ban...can some one tell me how much fine will i get and will they sentence me for jail...any help will be appriciated

Can I have two health insurances?

I am pregnant, and my work covers me but i already have insurance. But only for myself my not baby so I was curious how it all works? I will be getting kicked off my current insurance soon so would my work insurance just take the place of it when that happens? thanks for any help :)""

Will insurance premiums rise?

Will insurance premiums rise if you get caught breaking the law and loose demerits while the insurance is expired?

Can my wife and I have a joint car insurance when we are in two states?

Hi, I am at MI and my wife is at DC (I think DC will have a high insurance rate. I'll move to DC after a year). We have two cars. Could we have a joint car insurance if one car is registered at MD and one car is registered at MI? Thanks for your attention

How to find affordable Health Insurance options?

i live in san francisco, CA and am about to turn 30 (female). i haven't had insurance since leaving a job with a good plan about 5 years ago and i'm (haha, pun intended) *sick* of it! webMD and i can only do so much, and i'm beginning to think the doctor at the clinic i've been going to doesn't know what she's doing. money is tight (surprise surprise) but i do need to get real about covering myself. anyone else been in a similar boat and found a good solution? OR know of any sources where i can begin leg-work of my own? thanks so much!""

Need help finding car insurance?

I need my own insurance policy in order to get off of my mom's, but I need one that is cheap and affordable. Any ideas?""

Most affordable health insurance illinois?

Hello, Im a pretty broke college student who cant afford the plan offered by my school here in Illinois. Anyone have any suggestions for cheap health insurance, that would cover some doctor visits and prescription pills, well at least most of the cost. thanks in advance""

What does average insurance premium mean?

What does average insurance premium mean?

I need help on choosing Health insurance..... Anyone?

Okay, I've been looking online for hours now and i can't find any health insurance that covers Medical, Vision, and Dental.. I recently chipped my tooth and i need it fixed pronto... its very Painful..""

How much does car insurance cost if you're under 21 in North Carolina?

Hi. I'm 20, female, turning 21 late next month and my mom is planning to ship her 1998 mercedes benz sedan to me (in NC) from california early next month. I went to a driving school when I was 17 and I have been driving ever since. I also do have a clean record. If I would want to have a full coverage, how much do you think will it be per month? And also, since I am turning 21 in a couple of weeks after the car itself arrives here, do you think it will cost me less? Thanks.""

Cancelling car insurance?

I am a New York state resident, In order to cancel my car insurance, must I first surrender my license plates to the DMV ??""

Do I need to buy auto insurance for my used car dealership?

We are just starting out and wonder if our personal car insurance would cover test drives, or our driving the vehicles. It is a sole proprietorship.""

Question about auto insurance.?

I'm not gonna get into specifics, but here's the situation: I need to know if there is some way I can add my 17 year old nephew to my auto insurance. He doesn't live with me, however we are in the same state (Colorado if that matters). Is there any way I can add him to my policy? Or does it have to be his parents?

https://www.linkedin.com/pulse/term-insurance-quotes-simon-flatcher/"

[relativeconjecture]

Capitalism, when left to its own devices

What would happen if we had a capitalist society without any form of government, i.e. an anarcho-capitalist system? From my perspective, nothing good. Let's take a look at automation, which, despite its promise to improve peoples' lives (which it certainly, in the right circumstances, has the ability to deliver), instead puts multitudes of people out of business (hand-produced goods are more expensive) and puts people out of jobs (this is where the original luddites (in the correct use of the word) came from.

Automation of production means corporations can replace several employees with just one. This in turn means that all the other workers are out of a job. This is happening in all sectors (even service positions now - for instance the digital menus at McDonald's). And so all across the board, more people will lose their employment, their livelihoods.

This means that, since so many jobs are being destroyed, if someone gets fired, there will be hordes of replacements. A company loses its motivation to keep an employee that has any complaints about them, takes too many vacation days or sick leave, etc. Therefore the company can afford to decrease its wages and reduce the quality of the working conditions/squeeze more out of their employees without a proportionate increase in compensation (increase the number of working hours, make employees work unpaid overtime and on weekends…). Anyone who refuses to comply can be fired and replaced with someone who will comply, and so this decreased quality of life will become an accepted norm amongst the working class.

People can try to boycott the companies that do this to their employees, but if there's a high enough rate of unemployment, most people will not be well-off enough to afford to look into other options, especially since the companies that do this will be able to lower the prices of their services while still making more money, making them the only affordable options. So the presence of unemployed people and even poverty as a whole guarantees these corporations' existence. In a survival of the fittest world without any regulations, this vicious cycle can easily become established and perpetuated. It's even present today, owing to the huge influence these corporations have on the government. Privatised healthcare in the US is a prime example.

First, a disclaimer: I'm from Canada, and have had enough injuries (and known enough people who have had cancer, heart attacks, and such health problems) to vouch for the effectiveness of universal healthcare. If healthcare loses its place as a guarantees right, people can be charged exorbitant fees for things that hardly cost a trifle to the providers, and the curing of diseases like cancer becomes not a matter of improving people's lives, but of making money. Since a dying person /needs/ treatment, they'll pay whatever they have to, even if it means extreme debt. This debt makes them even more valuable to corporations once they're cured, as they'll work harder than anyone else to pay off the debt, to the detriment of their health, personal happiness, and freedom. Privatisation also means that instead of having people like Dr Salk (who invented the vaccination for polio and didn't patent it, making sure there was no monopoly on it, and so everyone who needed it could get it without bankrupting themselves in the process—which has effectively eliminated the deadly virus), corporations will start asking questions like this: https://arstechnica.com/tech-policy/2018/04/curing-disease-not-a-sustainable-business-model-goldman-sachs-analysts-say/

While a(n unrealistically optimistic) view to take would be that private pharmaceutical companies and healthcare providers would shift their focus to age-related diseases and such and go ahead with curing patients, I see no present situation to corroborate this claim. While there is a growing consensus that we should move away from fossil fuels, entire wars are still being backed by oil companies and they are doing vast ecological damage to extract oil from the ocean floor, tar sands, and such places. Why would health companies be any different—clinging to outdated products because they yield the most return at present? Even a more moderate stance, that they would withhold cures for only as long as is required for them to secure a share in the market of the future, would lead to masses of people losing their livelihoods—and/or their lives—during this period.

And healthcare is just one example of how a violent cycle can be perpetuated by a market without any constraints. Other critical areas are food, housing, transportation…all of the fundamental needs of a human being can be taken advantage of under an unregulated capitalist system. And once such a cycle has been established, most people, save for the richest (who, by and large, would have little motivation to do their part) will not be in a position to combat it, help the poor to the extent that they need to, watch out for the environment (i.e. buy more eco-friendly products, which, due to the absence of "truth in advertising" regulations, might not even be environmentally friendly—corporations could, with few repercussions, lie about these and anything else), or deal with any other issues that are important to them, humanity, or even the planet as a whole.

Now, does the government do any good (with respect to preventing poverty)? First, food stamps are definitely bad. They do not give the person the autonomy they need to address their specific needs and invest their time and resources in things that will lift them out of their situation. Giving people money is better. But government "safety nets" such as unemployment benefits, tax breaks for people with incomes below a certain level, and so on, are crucial to many people who are trying to get back on their feet. It allows them to search for jobs and build their skills until they can find work and become self-reliant again. Without such government-funded programmes, many more people than current numbers would fall through the cracks and fall into a deepening well of poverty. Though current government programme don't do enough, removing them will only do more harm. I don't know if you have or know/talked to people who have experienced homelessness, but oftentimes it's almost impossible to escape the downward slide into poverty once you're past a certain point. Having nothing in place to catch them except for charities that depend only on people donating what spare change they have (and caring/being aware enough to donate in the first place) will make the problem worse. An increased number of homeless people will only make the charity more ineffectual.

Another point is education. In today's society, with increasing automation, low level jobs that don't require much education are disappearing. In order to get a well-paying job, people need a university degree, usually a technical one. In countries where this is free (Norway being a prime example), everyone has the opportunity to build up their inventory of skills in order to reach a stable and comfortable position in society. In the US (and to a lesser but still large extent, Canada), the high costs of post-secondary education due to its privatisation make it an unrealisable goal to anyone who is already living in (or close to) poverty. The accumulation of student debt that they can't hope to pay off until they finish (and that's if they are able to find a good (but increasingly more rare) job) is a big enough hurdle, but the exorbitant interest rates on their student loans makes it all the more difficult to pay off.

This is purely a result of capitalism. In the USSR, education was free. It saw the fastest increase in literacy and industrialisation + economic growth the world has yet seen in just its first few years. I'm not calling it an ideal society; rather, I'm taking it as a demonstration of how the government can be the facilitator for rapid economic and technological development, even surpassing that of capitalism, and how the subsidising of education, housing, etc., contributes to this. I find that this fact is often overlooked. In contrast to this, the dissolution of the Soviet Union led to a massive economic collapse. A few people rapidly accumulated most of the wealth, creating the oligarchies we see controlling the Russian government today, while millions starved and lost their homes, there was a sharp increase in preventable illnesses, and there was a sudden fall in the quality of life for the average person.

It's not unreasonable to conjecture that the sudden abolition of government would, more likely than not, have similar consequences, with some additional, more long-term problems associated with the large party of services performed and upheld by the government.

Thus from the above you can see that the customer will not have enough control over the corporationss of an anarcho-capitalist society to be a proper regulating force. This also means that food producers and distributors will not have any regulations with respect to food quality or the use of harmful substances, pharmaceutical companies will not be required to undergo proper clinical trials, and builders will not be required to follow safe building codes (e.g. fire codes, proper handling/absence of toxic substances, structural integrity). One could argue that it is in their best interest to build to the highest standards, but the same could be said of the oil companies whose records boast spill after disastrous spill. There will be a rush to monopolize a region/market, and once one or two companies have a grip on it, there is not an appreciable amount that can be done about them, no matter how poor their services are (this is certainly the case in Canada with cell companies. Terrible deals, but they've monopolized the market).

As long as capitalism exists, there must be a regulating force—best served by the government, an authority that is ultimately given control over the corporations. Clearly this ideal is not achieved by most governments today, which are largely bought out by corporate entities, but their presence (and the people's theoretical ability to speak with their votes) still maintains some semblance of fairness and sanity. Even Adam Smith, often called the father of capitalism, argued that it was necessary to impose laws and regulations on the market.

So capitalism was never even meant to exist in a regulatory vacuum. Now, does government need to exist in a non-capitalist society? The motivation for an affirmative answer to this would be that there has to be some way to get people to do their jobs. But there will be significantly more motivation to work in the first place, because no job in such a society could be considered useless. Every act contributes to the maintainance and improvement of the lives of the individuals and those around them. Work continues to be a means of survival, but here the results are tangible, whereas in a capitalist society the worker gets almost nothing of the value they produce, and often don't benefit from the actual products born of their labour (which is especially true of factory and sweatshop workers in developing countries).

People still need to eat, so people will still grow food. They will want housing so they will build it. They will want to live in comfort, so they will take care of their homes, their streets, their towns. If people want cars they will naturally collaborate, organise their resources and gather the people with the necessary qualifications to achieve this goal, but it will be done without subjecting anyone to harmful conditions or overworking them, because they can simply leave without any repercussions except that they, too, wanted to see their project come to fruition. Thus to reach any goal, people will naturally have to cooperate. The fact that everyone has stakes in the final product acts as a regulatory force to keep people civil and cooperative.

Instead of having an arbitrary measure (money) of what's good for a person (or group) or what's in their best interest, the metric will be direct. It is in the community's best interest to provide electricity to everyone, or to make sure that everyone has a roof over their head, etc., so the community will work towards that goal.

Most likely you've seen, at some point, an ad for something or a product at Walmart and wondered to yourself why anyone would need or want it. If there's no such need, why waste time and resources making and selling it? In the sort of society I've been detailing, things are produced on the basis of need and want instead of new wants and needs being created, as in capitalism, in order to sell more products and make more money. There will not be any tech startups whose only purpose is to help developers make their apps more addictive, and the privacy violations of companies like Facebook, in the name of making money from advertisers, will become an absurd footnite of history. There simply isn't any motivation for doing something like that.

However, if a very small subset of people need or want something, they can make it and distribute it amongst themselves without worrying that, being such a niche market, it would not be profitable to produce it.

And let's not forget that humans tend to aim high. Most people have hobbies, oftentimes laborious ones; they are not afraid of work. Almost every kid dreams of being an astronaut. Either that or a fire fighter, a construction worker, a musician, an engineer, a scientist; the list goes on. Usually these dreams have nothing to do with money. Only as the mindset espoused by capitalism takes hold, only when they're taught that money is the only means of survival and the only measure of success in the society they live in, do they lose their motivation. If this mindset is not imposed upon them from an early age they will not be so averse to cooperating with others towards common goals.

Finally, capitalism, from its inception, has been an environmental disaster. It's almost (if not completely) impossible for a system that idolises economic growth (at any cost) to consume resources at a gross rate. Most people with even a basic degree of scientific literacy agree that we have had an enormous negative impact on the planet—its climate, it's ecosystems, its flora and fauna. Even with growing interest in renewable energy, our energy needs are expanding. This unending treadmill of new phones, cars, others, etc., has an impact at every stage of its implementation, from the mining of the materials used to their treatment, tempering, manufacturing, distribution, use, and, at the end of their lifespans (or when the owner has purchased the newest edition), their disposal.

This is simply unsustainable, even with huge leaps forward in green technology. The avoidance of the major environmental crises that we face can't be healed by some solar powered bandaids.

Without capitalism and the mindset it creates, focus can be shifted away from arbitrary economic growth and towards solving the problems that we have now. Products (cars, phones, computers, clothes) will be designed to last, since there are no corporations that have to ensure that they will have a steady means of income. After all, there's little real difference between two or so iPhone generations. A non-capitalist society could easily afford to spend their time and resources looking into those larger technological leaps while imposing a much smaller strain on the environment.

Thus capitalism on its own, without government regulation, leads to environmental destruction, exploitation, monopolies. For it to exist alongside a population that is relatively well off, it must be regulated, subjected to laws by some form of government.

But the abandonment of capitalism altogether (and, when possible, the abolition of big government in favour of many smaller, more localised communities) is in fact antithetical to the exploitation and ecological destruction espoused by capitalism. And being composed of more tight-knit communities with wealth evenly distributed amongst their citizens, poverty can easily be eliminated altogether, because a human's worth (to society) is no longer measured in terms of their ability to make money for corporations (or for themselves), technology can finally be used to improve everyone's lives—not just a few who, largely by luck, have control over the means of production, and consumerism will no longer be a weight on the environment.