International Student Health Insurance

Are you planning to study overseas for an extended period of time? Have you thought about how to handle medical emergencies while living in a foreign country? During your trip you may discover that your domestic health insurance plan may not cover medical expenses outside your home country. Plan ahead. Inquire about our International Student Health Insurance before you go.
Use the "GET A QUOTE" link to view additional information and request a free online quote for international student health insurance plans that provide medical coverage while you live and attend school abroad. These plans offer an affordable international student health insurance solution with coverage designed specifically to meet the needs of international students and scholars.

Options are available to allow for benefits that cover an individual or a student traveling with a family. Travel assistant services are also included to provide help with emergency cash, a translator, lost luggage, and other emergency situations that could be difficult to handle in a foreign country.

Importance International Student Insurance Plans

Welcome to International Student Insurance, the number one destination online for international student health insurance and travel insurance plans. Here you will find information on the very best international health, medical and student insurance plans tailored to fit the needs of international students and study abroad students around the world:
International Student Health Insurance
The Student Secure plan provides international student health insurance to international and study abroad students who are studying outside of their home country either in the USA or around the world. This comprehensive plan offers coverage on a monthly basis that will meet and exceed nearly all school and government requirements.

Student Secure also provides you with a range of high quality benefits and features that will cover you in the unfortunate event that you become sick or injured and need medical assistance while studying abroad.

Highlights of the plan include:

- Up to $300,000 in Coverage

- Prescription Medication

- Mental Health/ Maternity

- Pre-Existing Conditions

- Sports Benefits- Online Instant Application

- Renewability

- Monthly Payment Options

- Plan Management Online

- and much more.....

6 Month Pre-Existing Condition Plan - the standard Student Secure plan has a 12 month waiting period for pre-existing conditions. If your school requires you to have a waiting period of no more than 6 months, please click here to view this plan.
Photos That Make the Rude Pundit Want to Drink a Twelve-Pack of Schaeffer's and Vomit in Norah O'Donnell's Lap (Again):

As you probably surmised, that's the array of malty, hoppy beverages sucked down by President Barack Obama, Professor Henry Louis Gates, Jr., and Cambridge police officer James Crowley at their meeting (the photo is inaccurate, although it's a lovely still life - and do they really make Obama/presidential seal coasters?). And guess who drank the faggy, sweet Blue Moon? Surely the effete President or the effeter Professor. Nope. Obama demonstrated his man o' the people cred with the Bud Light. Gates, honoring America's founders the same way Harvard frat boys do, drank a Sam Adams Light. (Why was it originally reported he drank a Red Stripe? Because it's from Jamaica, where a lot of black people live? Racist fucking media...) And the Belgian longneck was deep-throated by Sgt. Crowley. With a slice of orange. Biden drank kiddie beer.

No, the problems of race weren't solved at the White House biergarten. But, as they slurped down more and more suds, things got a bit randy, as Skip Gates asked Crowley if he'd like the slave experience just to, you know, understand oppression a bit more. With a knowing smirk, Crowley responded that if Gates had the chains, he had the wrists. "Why don't you two get a room?" Biden exclaimed. Obama rolled his eyes, walked away, having had enough of this bullshit distraction, and told the Secret Service to let the Professor and the Cop have a couple of hours in the Lincoln Bedroom, where Gates could continue the lesson.

Alone, Biden sat for a few uncomfortable moments with his Buckler's before he sighed, looked around, and left.

(Note: Real life has reared its ugly head on the bloggery, thus the promised Part 2b will be posted Monday. Or maybe not. Who the fuck knows. It's a chaotic world we live in.)

Progressive Auto Insurance Shares Car Insurance Tips

Use these car insurance tips and hints from Progressive to save money and select the right coverage. Plus, Progressive says it will include all available auto insurance discounts when you get a quote.

Savvy consumers know it pays to do the legwork and shop around for car insurance. Considering auto insurance prices for a six-month policy can vary greatly between companies, why not take the time to compare rates for several companies? To help you in your quest for car insurance, we've compiled a few tips that can help you save money and make the right choices for your situation.

Before you get started, review your auto insurance coverages and keep your auto policy on hand to make fair comparisons to your current coverage. Then start shopping. Visit insurance Web sites and insurance agents/brokers and get quotes. Following are a few more shopping tips.

Learn The Auto Insurance Lingo

Do you know whether or not you need PIP coverage? Can you explain BI or PD coverage? Before you buy, learn the basic auto insurance lingo — it can help you make coverage decisions that are right for you. Visit our insurance definitions section and expand your knowledge now!

Stay with a Leader

Visit A.M. Best, Moody's Investor Service, and Standard & Poor's for information on the financial strength of various car insurance companies and what benefits and features they offer.

Enhance Your Car Insurance Experience

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10 rules of Car insurance for teenager

Need car insurance for your teen or do I just insure the car? The research I've done all says that the VEHICLE has to be insured but it doesn't say anything about the DRIVER. This doesn't make sense to me but almost every website says it's the vehicle that has to be covered. Does your son need to be specifically named on the policy?

The statistics about teenage drivers aren't good. According to the Insurance Institute for Highway Safety (IIHS), 16-year-olds get into accidents almost six times more often than drivers between the age of 30 and 59. No wonder car insurance premiums are so high for this age group.

However, not all car insurance companies take the same dim view of young drivers. And some discounts are available to help you cut costs. Remember, the higher the risk, the higher the cost of insurance premiums. Let this be your guiding principle as you shop for insurance.

Here are 10 suggestions to help lower premiums and keep your teenager's license free of violations:

1. Help your teen learn the laws and follow them to the letter. By far, the best way to lower car insurance costs for teens is for them to keep their driving record clean. Make safe driving a family project. In some states, restrictions apply to new drivers. Parents should know what the laws are and insist that their sons and daughters follow them.

2. Set a good example. Do you break the speed limit and tailgate? Do you yell at other drivers when you're behind the wheel? If you do these things, how can you expect your children to act differently? Start watching your own driving long before they get their license and you'll have a much easier time convincing them to be safe drivers. Remember, actions speak louder than words.

3. Put your teenager on your policy. Rather than setting up an independent policy for your teen driver, put them on your auto insurance policy as an additional driver. In this way, all the discounts applied to your policies will be passed on to them.

4. Pay your teenager to get good grades. Here's a creative tip — find out how much you save if your teenager gets a good grade point average and pass it on to them. Usually, having a 3.0 or higher GPA will reduce your car insurance premium by 10 percent. Figure out exactly how much this saves you and give that money to your teenager. This accomplishes two things. First, it provides a direct reward for academic performance. Secondly, it motivates them to continue getting good grades.

5. Enroll them in driver education courses. Discounts are available for teens who take recognized driving classes. But call your car insurance company to find out which schools are covered before paying big bucks.

6. Steer clear of sports cars. Don't try to live vicariously through your teenager by giving them the hot car you couldn't get in high school. Getting your teenager a safe car to drive, with the latest safety equipment, will lower your premiums. Not only will you save money on car insurance, but fast driving will be less of a temptation.

7. Get their support. Don't assume that your teenager wants to vacuum clean your wallet. Ask them for help cutting costs and point out that you will share in the savings (see rule #4). Tell them how much car insurance costs and show them how this fits into the family budget. If nothing else, you will score points for treating them as adults.

8. Talk to your kids about drugs and alcohol. This is a tough subject to broach with teenagers, who think they have everything under control. But the consequences of saying nothing can be catastrophic. Take the time to lay down some guidelines in this important area.

9. Take traffic school to beat tickets. Once a ticket is on your teen's license, it takes months to get the violation removed. Instead, encourage them to take traffic school if the judge allows it. A day spent thinking about the consequences of unsafe driving can bring rewards for years to come.

10. Ride with your teenager. Your teenager was a safe driver last year when he or she got a license. But what's happened since then? Let your son or daughter take the wheel while you sit back and relax in the passenger seat. If you see them doing something that breaks rules or seems unsafe, point this out in a diplomatic way. If they are doing a good job driving, praise them for their efforts.

If you follow the above suggestions, you will find that you can make it through the teenage years safely — and without paying an arm and a leg for car insurance. It just takes cooperation and understanding from both sides of the generation gap.

Insurance Claims adjuster

Claims adjusters investigate insurance claims by interviewing the claimant and witnesses, consulting police and hospital records, and inspecting property damage to determine the extent of the company’s liability. In the United Kingdom, the Republic of Ireland, Australia, and South Africa the term Loss adjuster is used.

Claims adjusters have the knowledge to complete the preparation of a property damage claim which, to an unrepresented homeowner, may be unfamiliar territory. The documents contain technical terms such as depreciation, replacement costs, and actual cash value, that may be unknown to the policyholder, and a trained claims adjuster can ensure a correct completion.

There are three classes of claims adjusters:

*staff adjusters (employed by an insurance company or self-insured entity),

* independent (independent contractors; not insurance company employees)

* public adjusters (employed by the policyholder).

It should be very clear that in the two first instances, the adjuster defends the rights of the insurer and works for a fair settlement for both parties.

Adjusters may handle "property claims" involving damage to buildings and structures, or "liability claims" involving personal injuries or third-person property damage from liability situations, such as motor vehicle accidents, slip and falls, dog bites, or alleged negligent behavior. Some adjusters handle both types of claims and are known as "Multi-Line" adjusters. Public adjusters work exclusively for the policyholder. This means there should be no inherent conflict of interest when it comes to advocating on the policyholders behalf to the insurance company.

An independent adjuster could be working for multiple insurance companies.

An adjuster will frequently verify that coverage applies through an insurance policy, investigate liability for the damages caused, and make restitution to the injured person based on their physical, emotional, or physical property damages.

Many homeowners reach a fair settlement with the staff or independent adjuster they are working with. In the event they are not, they can hire a public adjuster. Public adjusters claim that many homeowners do not collect all the money to which they are entitled due to a lack of familiarity with the claim process. The use of a public adjuster may mitigate this risk and could help put the policyholder on a more equal footing with the insurance companies, which increasingly use experts to support their side of a claim settlement. Public adjusters charge for their services, the standard rate is 10% of your claim settlement. For example, If you suffer a $250,000.00 fire loss, the public adjuster fee for assisting you would be $25,000.00 This $25,000.00 is taken out of your claim settlement. The objective of a claims adjuster should be to protect the insured against not only financial loss, but also the cost of recovering it.

Specific duties include:

* Responding to claims in a timely manner

* Filing paperwork

* Communicating with policy holders

* Investigate liability

* Assess damages

* Research, detail and substantiate each aspect of the claim, including building damage, contents, and extra living expense claims.

* Negotiate with product/service providers on time and cost of repairs for the purpose of making an offer of settlement to the insured.

* Ensuring accurate procedures

* Protect the interest of the insurance company the adjuster represents, when dealing with claimants.

Some states now require public adjusters disclose to claimants whose interest specifically independent, staff and public adjuster represent, before they are retained by the policyholder. There is no such requirement at this time for insurance companies to do the same.

Most Colleges have not yet recognized the need for a major specifically for those who wish to become Claims Adjusters, however there are some professional designations that have become prevalent among higher achievers in the field. For example, The American Institute for Chartered Property Casualty Underwriters awards the Chartered Property and Casualty Underwriter (CPCU) designation to experienced underwriters. Some Adjusters find that gaining these types of designations have been very advatantageous to their careers. Many insurance companies prefer their claims adjusters to have a 4-year college degree preferably in business related fields; however having a degree in liberal arts is acceptable as well. There are times in which a person with a high school education will become a claims adjuster usually by promotion from within the claims department while serving as a customer service representative. Since there are no college majors for claims adjusters, many states require a state certification in order to practice as an adjuster. States also require that a certain number of continuing education credits for claims adjusters are earned each year in order to maintain their license. This continuing education is achieved by attending seminars and online training from different claim adjuster educational resources. One brief example of an educational seminar is where a group of claims adjusters will meet and discuss how to distinguish a false claim from a true claim.

Florida is one of the few states in the United States that has created specific designations for the licensing of insurance claims adjusters. The Accredited Claims Adjuster Designation, created by statute in 2003, allows an individual to obtain the Florida All Lines Independent or Company license, without taking the state licensing exam. The University of Central Florida is the only major university in the state to recognize the expanding need for insurance pre-licensing and offers the designation throughout the country.

Most states require licensed adjusters to continue their education through a 'continuing education' requirement. Florida requires 24 hours of CE every two years. Courses, such as those found at the University of Central Florida, are offered live and online.

Many claims adjusters may work long hours. The majority of claims adjusters work more than 50 hours a week, they work nights, and sometimes weekends because claims adjuster usually have to make appointments to see their clients, so the adjuster must be able to adapt their schedules in order to accommodate their clients.

The more experienced claims adjusters are able to work from home. They will receive their work load for that day through their private fax machine or their email accounts. The most common claim adjusters receive their assignments when they arrive at the office first thing in the morning. In the case of a severe natural disaster such as floods or tornadoes, adjusters from another city or town are called in to support the local government. This results in the adjuster being away from home for days at a time until all claims are resolved.

Laptop computers, cell phones, and other technology has made the process of claims adjusting easier and it consumes less time; however, there are positions that require physical strength as well as stamina. Property adjusters, for example, many times are required to operate a 50-pound ladder, able to stand, walk, kneel, crawl, and other physical demands as they investigate property that has been damaged.

source Wikipedia.
Destroying Obama as Quickly as Possible, Part 2a: Sympathy for the Republican:
Sweet Jesus, dear Republicans, it must suck to be you. You came out of the 2008 elections having lost any semblance of power. And it only took two years from being the kings and queens of the Hill, contemplating what you were going to do with the coming decades of your reign, and then it all just fucking fell apart. And now you're not just in a minority, in theory you're about as powerless as the Green Party, the Libertarian Party, and the Space Lizard Party. "In theory" because you still have catastrophe, or the hope of it. Yes, catastrophe is your currency, wilderness-wandering Republicans; it is your food, your air. It's all you have left, and you are going to flog catastrophe like a desperate, fix-deprived junkie trying to sell his shoes on the sidewalk.

This ain't about the conservative radio and TV hogfuckers who have Father Coughlin'd their way into our consciousness. Frankly, they have become re-empowered by the Democratic victories of 2008. It's easier to whip people into an incoherent frenzy in opposition than in support. Or, to put it simply, Barack Obama is the best thing that could have happened to Rush Limbaugh. He just sounded like the sad and lost fat man he is throughout the Bush years. 2008 just finally gave a new yin to his lonely yang.

No, this is about actual Republican lawmakers. What we're seeing in the savage attacks on the President and the Democratic congress by Republicans is the projection of eight years of being the beaten curs for all things Bush/Cheney/Rove/Rumsfeld. You know how it is with a dog whose owner beats him to teach him how to behave. At some point, that fuckin' dog is gonna snap and rip the shit out of someone. You think it's gonna be the owner, who still, despite all the whippings and kickings, feeds the dog? Fuck, no. It's gonna be whatever else is around to be chewed.

Imagine you're that Republican in the House who, for eight long goddamn years, lapped up every bowl of vomit that the Bush administration placed in front of you. Imagine getting a phone call from Karl Rove if there was even a hint you were gonna go rogue and vote against, say, expanded surveillance. Imagine the threats to your career. Let's even, for the sake of argument, say, and why not, that you're an honorable Republican, trying to get some of that federal largesse for your district, steer a few jobs to the constituents, get some shit built. And you're listening to Rove threaten to cut off the campaign funding pump if you don't vote his way. So you do it. You suck it up and ask for more because you're convinced that, in the end, the overall goal of the Republican majority and cohesion of the party is better for the country.

And then all those promises that you were made, about hanging in there with Bush until the bitter end, it all just came apart, leaving you to face a future where not only is your party falling apart, but you've got a voting record that says you were Dick Cheney's convenient tool. Hell, let's just toss in there, for shits and giggles, that your district is becoming more Hispanic. What are you gonna do?

Why, you're gonna take it out on Obama. You're gonna join the effort to crush this presidency, no matter how fucking insane. And, fuck, add into the mix the fear of your white constituents (and maybe you) that a black man is the commander-in-chief? Motherfucker, the world's upside-down. Catastrophe is imminent. The end is nigh, man, it's nigh.

But here's the deal: of course Republicans were gonna do this. It's what they do. It's actually acting like an opposition party (if a bit drama queen-ish). If the leadership can outright lie about issues, well, then at least we know the rules of the game.

The reason, though, to bring all this up is not to chide Republicans for trying to bring down Obama. That's to be expected. No, the Rude Pundit's got two purposes: to understand why things seem just a bit more intense than usual. And to set up tomorrow's discussion: that perhaps we shouldn't have expected Democrats to be aiding Republicans.
Destroying Obama as Quickly as Possible, Part 1: 24 Hour News Is Wrecking America:
It must suck to have to feed a 24 hour news cycle. Although, let's be honest, it's only about 17 hours or so, excluding reruns. And, to be more honest, taking out the 6 or 7 hours of hosted commentary masked as news shows, we're pretty much down to 10 hours or less of actual news on your CNNMSNBCFox. That's leaving out weekends (save Sunday morning), when MSNBC becomes two days of prison sodomy and shivs, Fox "news" puts its crazy people on, and CNN cowers in the corner. But all in all, it's a lot of fucking time, and if your needle's not stuck on Michael Jackson or some such shit, you've gotta come up with something to say.

Compare that with the pre-CNN days. For years, the major networks had 30 minutes in the evening in which to tell the public something about the world. Let's not idealize this: the bullshit to real news content ratio was pretty much the same. They had to pick and choose among the constant wave of stories and opinions. But that necessarily meant that there were stories that weren't covered, for good or ill. It wasn't perfect, by any means, and it could be easily manipulated, but there was a sense that we at least had an idea of some of the important shit we needed to know to get by in our daily American lives. For more depth, there was 60 Minutes or it's genetically-mutated sibling, 20/20, or even, shockingly, hour-long specials on things that weren't serial killer or child molester-related that people really watched.

It's like the difference between an orgy and a really good night of fucking a single partner. Sure, an orgy's fun and all, but ultimately, if it's a good one, you're left exhausted, sticky, and overwhelmed, unable to clearly recall which cock was in which asshole or which mouth was on which cunt. Orgies are, by their nature, shallow experiences, rarely transcendental. However, a long evening of balling a single partner, the kind where you each actually give a damn what you're giving as well as what you're getting, that's the essential shit, the experiences that make us human animals, whether it's for a night or a year.

So because the role of news producer has become more like the ecstasy dealer at the orgy than an editor, because the filter's now just what is most exploitative, yet not too uncomfortable (Natalee Holloway above war contractor fraud, for instance), we get the mainstreaming of the most fucktarded, meaningless, fraudulent conspiracy theories that can be vomited out. Like whether or not Barack Obama was American-born (which, of all people, Mike Huckabee helped put to sleep with the notion that if Hillary Clinton's campaign believed it was bullshit, it was bullshit).

Or this latest trip to right-wing nutzoidville, a place where you shit out of your mouth and talk out of your ass, the whole "debate" over whether proposed health care legislation promotes killing old people. Or, as the National Review's Byron York put it when talking about any end-of-life issues that might be raised in the bill, "whether there's any coercive element to this." Hell, Obama was asked about it at a town hall meeting put on by AARP. It's enough to make you wanna yell, "Don't go into the orange room, Edward G. Robinson."

The point here is not about debunking such twaddle. The point is that we shouldn't even be hearing about it on the news. This is the kind of shit that used to be passed around by rumor and urban legend, occasionally surfacing when there was mass hysteria in some town over fluoride in the water or backwards "masking" in rock music, because stupid people will often be heard.

But there's something more insidious here than just the media running with a story that mixes murder and the legislative process. It's a larger narrative the media seems to need and promote through much of its neverending cycle. See, there's no drama in "Obama gets elected, does what he said he'd do, gets shit done." That plot doesn't give anyone anything to talk about. The plot that is more glamorous is of forces aligning to shove this president down (with all the racial implications intended). It ain't a conspiracy theory. It's a natural outcropping of giving a public some compelling reason to watch your network.

Why, with the death of Walter Cronkite, might Jon Stewart and The Daily Show be seen as the most trustworthy source of news (even beyond any worthless online poll)? Perhaps because Stewart's show has to whittle it down to a half-hour of shit you actually need to be informed about and not idly filling time with what is, really, fake news.
The Rude Pundit on Yesterday's Stephanie Miller Show:
The Rude Pundit has pillow talk about health care and Henry Louis Gates, Jr. with Stephanie Miller on her radio lovefest.
Health Care Reform: The Baseball Bat or the Spooge Spray?:
It doesn't really help matters when there's a half-dozen power-brokering Senators esconced in an office, having secret meetings that will, in all likelihood, determine the way the health care system in this country is "reformed." Let's be honest: at this point, when a scumfucker from an insurance company is confronted by a crawling middle-aged woman who can't afford the hip replacement she needs because of her years waiting tables at Waffle House, the insurance bastard has a choice: beat her with a baseball bat or jack off on her. Under the current system, he'd be wailing on her skull with that Louisville Slugger that reads "pre-existing condition." Under the reform being squeezed out like a hard turd in Max Baucus's office, that poor short order waitress would have a back warm and sticky with Blue Cross semen.

It is the usual way for Democrats, thinking that bipartisanship means giving Republicans what they want. It's as if the Democrats were a family inviting a Republican family over for the Democratic daughter's My Little Pony birthday party, but the Republican family won't come unless the Democratic family changes it to a Bakugan party so the Republican son can feel welcome. Instead of telling the Republican family to go fuck itself, the Democratic family makes sure that every cute plastic pony is facing down some horrible mutating machine. It's okay for bipartisanship to mean that Democrats invite Republicans to play. If they don't wanna, then the hell with 'em.

The right wing actually believes that any kind of health care reform is some Ernst Blofeldian nefarious plot (and, seriously, even though it's a "bipartisan" group in Baucus's office, it just doesn't help) to destroy the country. Here's Hugh Hewitt, whose picture looks like he's touching himself, thinking about how to fuck your child while your dog licks his asshole, doing one of those "I don't know what the fuck to write about today" columns, wherein the writer imagines the presumed thoughts of someone else and speaks in his or her voice. In the Washington Examiner, Hewitt gets inside Congressman Henry Waxman's head on health care reform, giving the mustachioed bald man the evil designs and voice of Montgomery Burns, as if his efforts to get poor people health insurance are actually just part of some Machiavellian megalomaniacal machinations to destroy America:

"But we are not there yet. Deep breaths and calm down. So close, and I have to deal with this yokel from Arkansas and this turnip from Louisiana. Why do those states even get to vote?...Blue dogs? Dead dogs when this is over. Another chapter for the memoir: 'Sucker punching the suckers from the South.' We really ought to have a literacy test for the House. But stay calm now. Stay focused. Thirty-five years to get to this precise moment --at the center of the rewriting of the American Constitution through the administrative state."

Does Hewitt actually imagine that that's what supporters of a state health insurance plan think? Even subconsciously? Let's put aside that it's shabbily written. Howzabout the fact that now Hewitt, who was like a high school cheerleader with a soaked pussy ready for team captain George W. Bush to fuck under the bleachers whenever he was between scrimmages, is concerned about the Constitution?

Who, exactly, are the Blue Dog Democrats (and the Republicans) trying to please here? Fucking Hugh Hewitt and the other conservative drones aren't gonna nuance this shit out. They're not gonna sit there and think, "Well, at least they didn't pass a public plan financed by a tax on rich people" and then accept whatever comes down the pike. If even the mildest health reform passes, the one that says one-legged American orphans with TB must get coverage, Rush Limbaugh will scream like someone at McDonald's told him they couldn't batter his Big Mac and put it in the deep fryer.

In the push to be able to say they got something passed when they had majorities in both Houses of Congress, the Democrats are shifting the organizing principle of the argument from universal coverage to keeping costs for the already-insured down. And you can bet that, even then, the vast, vast majority of Republicans will vote it down because it's not bipartisan enough.
Quotes That Make the Rude Pundit Want To Suck the Roe Right Out of a Salmon's Twat:
A few words from "A Farewell to Dinks":
"Some straight talk for some — just some — in the media. … You represent what could and should be a respected, honest profession that could and should be a cornerstone of our democracy. Democracy depends on you. That is why our troops are willing to die for you. So how about in honor of the American soldier, ya’ quit makin’ things up?" - Now ex-Governor Sarah Palin, in her resignation speech, apparently missing the point that soldiers also die to ensure that America's leaders can do their jobs, as well as the point that democracy depends on elected officials.

"Alaskans need to really stick together…Stiffen your spine to do what’s right for Alaska when the pressure mounts because you’re going to see anti-hunting, anti-second amendment circuses from Hollywood… They use these delicate, tiny, very talented celebrity starlets, they use Alaska as a fundraising tool for their anti-second amendment causes. Stand strong and remind them (that) patriots will protect our individual guaranteed right to bear arms. And by the way, Hollywood needs to know: We eat, therefore we hunt." - Now ex-Governor Sarah Palin, justifying why she's gonna get fat on raw wolf meat.

"Some still are choosing not to hear why I made the decision to chart a new course to advance the state. And it should be so obvious to you. It is because I love Alaska this much…that I feel that it is my duty to avoid the unproductive, typical, politics as usual, lame duck session in one’s last year in office….With this decision now, I will be able to fight even harder for you for what is right and for truth, and I have never felt you need a title to do that." - Now ex-Governor Sarah Palin, acknowledging, in the clearest language she can muster, that Alaska is better off without her.
One More Damn Reminder: The Rude Pundit in San Francisco on Sunday:
The Rude Pundit will be speaking at the Community Music Center at 544 Capp Street in San Francisco this Sunday at 7:30 p.m. It's an event in the 2009 Laborfest (scroll down a bit on the link). He'll talk on "Why Upton Sinclair Would Kick Arnold Schwarzenegger's Ass" as part of an evening of labor theatre and music.

Fer fuck's sake, it's all just for a 10 spot.

For advance tickets call (415) 431-8485 or e-mail: marcusd(at)

Insurance For Small Entities

Insurance for small entities includes health, disability, liability, property/casual coverage, and coverage against peril. Insurance for small business concerns is very important for the success of any company. Adequate coverage aids in the retention of employees and protects the commercial venture against accidents or damage resulting from catastrophes. Health coverage is becoming more and more difficult for businesses to afford due to the rising costs of health care. Many small companies have been forced to raise the amount of the premiums that are payable by their employees. Otherwise, they would not be able to offer health coverage for employees at all.

The United States is made up of millions of small companies. These companies need specifically designed plans of insurance for small businesses that are affordable, practical and adequate. There are different coverage amounts and options for coverage with insurance for small business policies. "And that you study to be quiet, and to do your own business, and to work with your own hands, as we commanded you." (1 Thessalonians 4:11) Property policies may include coverage for office buildings and attached structures or separate outbuildings that a commercial ventures owns. Also included in the coverage could be structures such as fences, signs, bridges or canopies. The plan for coverage may also protect any inventory that is either stored on site or in transit.

Machinery and company vehicles can also be covered on the policy for modest sized companies as well as cash and other valuable securities. The list goes on of items that can be covered by insurance for small business owners. Anything from security systems to intellectual property like patents and trademarks can also be added to the policy for insurance for small businesses. Protection against perils can also be added to coverage for many companies. These include, but are not limited to, fire, flood, lightning damage, earthquakes, sinkholes, and vandalism.

Liability coverage is a broad category of policies available for companies. Liability is essential in protecting any company from being sued by another party. Coverage includes general liability, errors and omissions, bodily injury or property damage caused by an employee or commercial vehicle liability. Insurance for small business should be purchased according to the business's need and in accordance to their assets. Without adequate coverage, the company could fail as a result of being sued or from losses resulting from damages to the structure and contents of the business

The Most Frequently Asked Querries.

Top financial questions asked and the answers given by real people on Yahoo!

1-I have liability insurance. If I lend my car out to a friend, will my insurance pay in case of an accident?
Asked by Pikaia

Best Answer
Yes. However, does he have regular access to your car? If he borrows it more than once a month, or more than ten times a year, you should add him as an operator. Also, if he cracks it up, it's great that the other guy is covered, but . . .can you afford to buy a new car? Because you won't have any coverage for YOUR car.
Answered by mbrcatz

2-New insurance and ongoing treatments of old injury? Which insurance applies?
Asked by Dan T

Best Answer
Its up to the old insurance
Answered by heatedwire...

3-Can an employer cancel your insurance without telling you that it has been cancelled?
Asked by screwed

Best Answer
Well, the problem is, this is a PARTNERSHIP. If this was a corporation, you can certainly sue the corporation, and you'd probably win. You'll probably get a judgement against them. If it's legally a PARTNERSHIP, and your husband is a partner, well, he'd be suing himself. Also, if this was an individual health policy that she was paying, and NOT a group policy, she has no liability - only if it was a GROUP policy. So there's not enough information here . . .
Answered by mbrcatz

4-Health Insurance For Part-Time Employees?
Asked by kelly j

Best Answer
I understand your frustration with finding cost-effective insurance that will cover pre-existing conditions. You have several options. You can have your husband ask his employer to add your family on to the group plan. He will be paying for the plan completely out of his paycheck, with no help from the employer. However, if he is on GROUP health, there are generally less hang-ups about pre-existing conditions with the insurance company, and the rates can be cheaper. The other option is - don't disclose everything!! Please, please see my site,, to learn how to navigate these treacherous waters, especially the page on "Medical History". Basically, you need to make decisions on how you will USE your insurance from now on, and decisions about disclosure, BEFORE you ever talk to an insurance company. When an insurance company asks you about pre-existing conditions, they are not so much wanting to know about your past, but trying to figure out what expenses they will be paying for in the future. You need to make decisions on how you will be using the insurance, then reflect that back to the insurance company. I know your frustration, I've lived it, and that's the whole reason I created my site. You CAN find a good policy if you do your homework (and yes, Blue Cross is too expensive, I've used them and dropped them). Best wishes!

Most and Least Expensive Cars to Insure

From seeking greater fuel efficiency to carpooling, some American drivers are looking for ways to save on ownership costs.
But one thing most can't do without is car insurance. Each of the nation's 50 states has laws that require drivers purchase liability insurance or provide enough "proof of financial responsibility" to cover a claim in case of an accident.
Premiums are dropping; the average in May was at its lowest point in a year at $1,871 per car, down from the national average of $1,982 in October, according to RateWatch, a Web site that tracks annual average insurance rates. But they continue, for most, to be a major outlay. Still, consumers worried about the bottom line have options.
The 185-horsepower, 2009 Hyundai Santa Fe costs an average of $832 a year to insure, the lowest of a list of just under 300 2009 models surveyed. The Saturn Vue costs an average of $911 a year to insure, and a Kia Sedona can be covered for an annual cost of $857.
Owners of luxury autos such as the BMW M5, the Mercedes-Benz G-Class and the Porsche 911 pay for that kind of prestige -- $2,020, $2,088 and $1,819, respectively. But those who drive the $80,790 Nissan GT-R, the 2009 Motor Trend Car of the Year, pay an average $2,533 a year. The sports car's super-charged 3.8-liter, twin-turbocharged 24-valve V6 engine helped it to the top of the list.
Behind the Numbers
Our numbers come from, an online information clearinghouse for consumers. The company calculated nationwide average car insurance premiums for almost 300 2009 model-year vehicles. Averages are based on a 40-year-old male driver who commutes 12 miles to work. This driver has policy limits of $100,000 for injury liability for one person; $300,000 for all injuries and $50,000 for property damage in an accident; and a $500 deductible on collision and comprehensive. This policy also includes uninsured motorist coverage. Rates were averaged across multiple ZIP codes and insurance companies.
Of course, a car's value will jack up a driver's outlay, as will the driving record of the person behind the wheel, says Jack Nerad, executive editorial director and market analyst for Kelley Blue Book.
Other factors can play a part too, such as potential loss. For example, the Hummer H2 was the eighth-most stolen car in America, according to the Insurance Institute for Highway Safety, which determined its list by claims per 1,000 divided by average loss payment per claim; it is also eighth-most expensive vehicle to insure on our list.
A consumer's ability to compare is another factor. Shoppers may be most familiar with big companies with representatives located nationwide. Comparing the rates at these brand names with those found online and at independent agencies will yield the best deals. Make sure to compare limits and features side by side.
Driver stereotypes also play a role. Expensive, high-performance autos often attract "riskier" drivers, says Nerad, and such vehicles are more expensive to fix or replace when involved in accidents. Likewise, autos like sports cars that are popular with younger drivers usually have a higher premium since younger drivers are considered riskier drivers.
Larger vehicles like SUVs and minivans are more likely to be family vehicles driven by mothers, who are historically less dangerous drivers. With lower risk comes lower loss potential, and thus a lower premium. Eight of the top 10 least expensive vehicles to insure are either minivans or SUVs.
But even those with a need for speed are likely to see premiums drop slightly. And, along with premiums, insurance rates have fallen after an increase last year of 8%. Wyoming, South Dakota, Utah and Idaho experienced the largest rate decreases in May, from 9% in Wyoming to 5.5% in Idaho.


Annuities can help eliminate one of your fundamental concerns: Outliving your savings. They offer you guaranteed lifetime income payments, which give you:Freedom to fulfill your retirement dreamsFinancial peace of mindFlexibility to use your cash however you choose
An annuity is an insurance plan you invest in. Your money grows tax deferred until you receive regular payments.
Unique among insurance products, annuities offer you:Guaranteed lifetime income payments that you can't outliveYour money grows tax deferred, which minimizes the taxes you have to pay when you start receiving paymentsFlexible payout options that can meet your financial needs

Determine Your Need
Who needs annuities and what are some of the most common uses of annuities? Factors to consider are your age, your retirement goals and the overall mix of your financial portfolio.

Need Of Life Insurance

Life insurance is for the living. It gives you and your loved ones: A financially secure futureLife's necessities and the little extrasA good night's sleep
In addition to providing death benefits so your loved ones can carry on financially without you, certain types of life insurance can build cash value to secure your own financial future. Life insurance benefits help:Satisfy final expensesReplace income after a breadwinner's death Send children to collegePay off a mortgage or business loanBuild financial security.

Determine Your Need
How do you know if you need life insurance? And how much life insurance is enough? Get answers to these important questions.

Six Truths To Get You Cheap Car Insurance

All drivers want cheap car insurance. After all, who wants to pay more for a product that is being sold cheaper somewhere else? While it certainly would be optimal to call one insurer and expect them to offer the least expensive rates, it is unlikely for such a random occurrence. Not every company is dedicated to giving out low rates, and so the great search begins. When looking to buy really cheap auto insurance, all consumers should know there isn’t one flat out cheapest insurer out there. Breaking down all the ways a driver can attain inexpensive rates makes sense and shows just how any driver can get cheap rates.
Scenario: Your friend just told you how excited she is to finally be getting her auto insurance at a cheap rate, but doesn’t tell you how much she’s paying. You grimace and wish it was you getting the deal. You quickly change the subject to avoid anger.
Truth #1: This friend hasn’t come clean with everything she has put into finding this cheap rate, and there are many possible explanations as to why. The first aspect to focus on is, did she compare her new found rate with what other companies offer? If not, there’s a good chance she’s not getting the lowest rate possible. Completing a thorough comparison of local companies will ensure you aren’t missing out on cheaper auto insurance. Using our comparison tool, you can compare at least four local companies’ prices to each other.
Truth #2: What is your friend’s driving record like? It is possible that she has been given a low rate as a reward due to good driving. Even receiving just one traffic violation ticket will cause a driver’s insurance rate to go up, and causing an accident will cause an even higher rate. Perhaps her record has fewer errors than your record. How many tickets and accidents have you had in the past year or two? A spotless (or close to it) driving history indicates to the insurer the driver is a safe one and has a low risk of ever needing to file a claim. The insurer will give this safe driver a cheaper insurance rate.
Truth #3: The personal status of your friend could also play a factor. Is she under 25 years of age or older? Are you male or female? Is she married? As random as these may seem, they play a large role in paying a low price to insure a vehicle. Young drivers will always pay a high price for insurance, because they typically file more claims than older drivers. Around the age of 25 years is when the insurance companies start to lighten up on pricing. And, it’s true that males will pay more for their insurance than females. Males, especially younger males, statistically are involved in more reckless behavior than their female peers. Finally, married drivers pay less for insurance than single people do. They’re more cautious with or without their spouse in the vehicle as they drive.
Truth #4: Are you and your friend neighbors? If so, then you will have that same thing going for you. If you are not neighbors and live in another town, there is a good chance that this will affect your ability to find a cheap rate. Insurance companies use your residential dwellings as part of their process to determine your rate. Living in a town or city with high crime will only get you high rates, and if your friend lives in a low crime area, then you can be sure that this attributed to her low rate.
Truth #5: What kind of car does your friend drive in comparison to you? And how often does she drive it? Your vehicle information plays another role in the ability to get cheap insurance. An expensive car will be more expensive to insure, while a modest car may not be quite so much. This is because a luxury car also costs more for the insurance company to repair or replace. Cars with safety features will be qualified for discounts, compared to cars that are too old and weren’t equipped with the latest safety features.
The second part to this truth is the number of miles put on the car during the calendar year. Think about the relationship between traveling a high number of miles and accidents. The more a driver is on the road, the higher the chances of being involved in traffic incidents. Therefore, it costs the driver less to insure a vehicle that doesn’t drive very often.
Truth #6: How much coverage did she purchase? Purchasing only the state minimum requirements will definitely get you the cheapest rates, but it may not be the coverage you desire. Your friend may have only purchased this minimal amount while you are carrying full coverage. Cheaper insurance in terms of how much coverage is purchased may backfire if there is ever a major accident. Usually minimal coverage will not cover the expenses involved in a major accident, especially if you are at fault. There are medical bills and property repairs (possibly of both parties) that would need to be taken care of. Some states only require drivers to purchase $10,000 of property damage, but the total cash value of some of the cars on the road today are far more than that amount. However, the final decision of coverage purchased is decided by the policyholder, usually according to their budget.
Don’t get in the habit of comparing your car insurance policy to someone else’s policy, especially when all of these factors between the two policyholders are different. The only comparing that should be done is by insurer to insurer for the policy you want to purchase. Who offers the lowest price for the coverage YOU want? Check out our comparison tool on our homepage or at the top of almost any page on our site by entering in your local zip code. We pride ourselves on our ability to get any driver the cheapest car insurance in town.

Searching Lowest Health Insurance Cost

Most of people know the importance of owning health insurance policy, a few people will be in this world that might be unaware of this facility. The current situation is not simple, the health insurance costs are increasing every day and benefits are falling.
At the time of purchasing, you can experience the cost is much higher that you are paying for your health cover. To avoid this situation, you must look for the ways to find the affordable health insurance coverage. It can be confusing, but some statistics can be very helpful for this task.
Online health insurance
is a best source to find the low cost health insurance for individual, family and group. The service is absolute free, fast and convenient in all way. If you are here, you can consider your affordable health insurance is a just few mouse clicking away from you.
On website, there is a work, you have to fill the simple form, it will take few minutes. And immediate you will view quotes from the top health insurance companies
offering health care product. Most of health plans vary from state to state in the terms of coverage and price. You can get the information about health insurance companies
and products offered in your state.
Paying premium annually can make a difference for your health insurance cost. Definitely, you will pay lower than regular premiums.
Another way, if you are able to get group health insurance policy you should take that advantage. Group health insurance is always better compared to individual health insurance for the rates and benefits.
Insurance companies are facing the problem to provide quality coverage against the increasing medical care and hospitalization expenses. This is practical reason to consider, health insurance policies are costlier. Increasing competition in the industry made huge change. Now, the companies are developing policies to expand health coverage in affordable rates.
“Insuring more or saving more” you have to balance the equation according to your financial situation and needs for health care.

Why You May Need Travel Insurance?

Why You May Need Travel Insurance?

dental care
trip cancellations
lost luggage
rental car damage
Using International Travel Insurance to Help Plan for the Unexpected
Planning a great trip starts with planning for the unexpected and the best way to cover the unexpected is by purchasing additional insurance when you travel. The first step in doing this is to gather up all the current insurance you have such as home, auto, health, life, personal property, dental, and umbrella policies. Next, check to see what travel health insurance and/or international travel insurance coverages you have on these policies. Some homeowners insurance policies and renter's policies will cover your personal property and liability (such as you accidentally hitting someone with your golf club) anywhere in the world, so if you already have these coverages there is no point in paying again for them.
If you find you do not have enough coverages for travel in your current insurance polices, including travel health insurance coverage, then you will want to contact your travel agent for additional international travel insurance policies or check out the online companies below:

5 Important Things to Know About Retirement

When you think of retirement, what comes to mind? Here are five things to think about as you plan for your retirement:
It’s a great time for a fresh start.

Think 65 is too old to start a new career, take up new hobbies, or go back to school? Think again. After all, retirement these days may be 20 years or more. And that's too long to spend in a rocking chair. Instead, plan to spend your time doing the things you've always wanted to, but never had time for.
Your employer's 401(k) plan alone might not be enough.
Don't confuse your 401(k) with a pension. Your 401(k) does a lot of good by automating your savings, deferring your taxes until retirement (when you could be in a lower tax bracket), and giving your employers the chance to match some of your contributions if they choose to. But you can only benefit from it if it's well-funded. Take the time to see how much income you're on track to have during retirement, and whether you're currently contributing enough to your 401(k). It’s never too late to bump up the amount you put in! And because that money gets taken out of your paycheck before taxes are deducted, contributing extra won't lower your take-home pay as much as you might think.
Social Security won’t take care of you.
Chances are good that your Social Security benefits won't be enough to cover your living expenses. To get an idea of how much your monthly benefit might be, take a look at your Personal Earnings & Benefits Estimate Statement, which the Social Security Administration mails out each year. (Your monthly benefit will change over time, so check your statement each year.)
There's more than one way to go about it.
When it comes to funding your retirement, it pays to be creative. Chances are, your income will come from several sources, like savings and Social Security. You’ll also have lots of opportunities to stretch that income. For example, if you're willing to relocate to a city with a lower cost of living, your expenses could go down by 20% or more. Downsizing to a smaller home can add thousands to your potential income. Many retirees take on part-time jobs they love. Or how about putting your skills to use by tutoring or offering services to your community? The choices for earning extra income or lowering your expenses are endless.
It’s still within your reach.
No matter where your finances are at, you can always improve your retirement options.

How Often Should You Adjust Your Life Insurance Policy?

The whole point of life insurance is that you never know when you'll need it. So even though your policy might be long-term, you need to make sure it offers the right amount of benefits for your current situation.
A good rule of thumb is to recalculate your life insurance needs once a year, or more often if there's a major change in your life. Here are some examples:The Things You OwnWhether you're married or single, it's good to know that your finances will be resolved if you should die unexpectedly. That could mean paying off loans or a mortgage, and it's especially important if you have a lot of debt or want your family to keep living in your home.
Take another look at your policy when: You buy or sell a homeYou take on new debtFamily MattersYou'll want to know that your family's financial needs will be covered if you're no longer able to provide for them. You'll need the most life insurance when your kids are growing-enough to last them until they become adults and cover their college education. This is even more important if you're the main breadwinner.
Consider raising or lowering your coverage when: You get married or divorcedYou have a babyYour children become financially independentYour children finish collegeYour long-term goals changeWork LifeThe general rule for life insurance is that your policy's "death benefit" (the amount that gets paid to your beneficiaries if you die) should pay seven times your annual salary. The idea is that as your salary changes, your family's lifestyle changes to match. If you're self-employed or own a business, you might also have business-related expenses to cover.
Think about adjusting your policy when: Your salary changesYou start or sell a businessYour spouse's job changes

Condo Insurance

Condo Insurance is very different from Renters Insurance. There's more you need to protect than just your possessions.
Most condominium associations insure the building's structure and common areas, but each unit's interior construction is the responsibility of the homeowner. If your condo is destroyed, it may be up to you to replace drywall, flooring, cabinets, lighting fixtures and so on.
Also bear in mind that if you are found liable for damage to a common area - say your adorable new puppy rips up the Berber carpet in the lobby; you may be responsible for repairs.
Mike Pence Says Funding Planned Parenthood Makes People Sad:
In an op-ed at the conservative clearinghouse for all things bugfuck insane, (motto: "Masturbation guaranteed"), Indiana Republican Congressman Mike Pence calls for Congress to defund Planned Parenthood because he doesn't like that abortions are performed at some of the organization's locations. Living in Indiana is not unlike living inside the single toilet in a house of giants with irritable bowel syndrome, and Pence's district is one particularly awful part below the rim. It is also one of the whitest places left in America, where people from Appalachia moved when auto plant jobs were created decades ago, jobs that have since mostly dried up. You will see more Confederate flags on pick-up trucks in this part of this ostensibly northern state than you will in some areas of Mississippi.

Pence is sometimes seen as one of the saviors of the conservative wing of the GOP (also known, at this point, as "the GOP"). Here's how Pence puts the current funding of Planned Parenthood: "Last year alone, according to Planned Parenthood's own annual report, it received 34% of its $1.04 billion in revenue from government grants and contracts, and performed more than 305,000 abortions. Planned Parenthood and its advocates will claim that the money they have received from the federal government has not been used to fund abortions, and that is technically accurate." Because, you see, the money given to Planned Parenthood frees up abortion money, so we're indirectly paying for abortions.

So, by Pence's "logic" (if by "logic," you mean, "a strange amalgam of religious paranoia and dubious fiscal reasoning by a man who shoves corncobs up his own ass because he's the one Republican desperately trying to avoid fucking another man or woman"), as he writes, his amendment to an appropriations bill "would close the loophole that has forced millions of pro-life Americans to subsidize the nation's leading abortion provider, sustaining and underwriting the destruction of innocent human life that has been carried out on a massive scale by Planned Parenthood."

You got that right? We wouldn't want to offend the pro-life Americans by providing money to an organization that does more to actually prevent abortions than every bullshit abstinence program everywhere. No, no, we wouldn't want Planned Parenthood to be there to mop up for the utter failure of conservative sex education plan to actually educate about sex. Whores have to keep their babies.

Pence goes on to spout the anti-choice talking points of the Family Research Council and others, about the couple of cases involving improper practices by Planned Parenthood. And then throwing in the "abortion is racist" argument put forth, most recently, by Alveda King, the who-gives-a-fuck niece of Martin Luther King, Jr. (Seriously, just because you're the spawn of King's sibling, how does that give you any moral weight at all? How distant do you have to be from a person before their relation to you doesn't matter to idiots?)

Part of being in a representative democracy is knowing that you gotta suck it up. You hope that a good part of the shit you care about is actually dealt with, and if it ain't, then you elect people to change it. Now, Pence is trying to do that. But the argument that he's using is fucked and backwards. You don't defund the military because you don't believe in the war being fought. You work to stop the war.

And if your goal is actually to end abortions and not to please a bunch of craven zealots who don't wanna join the 21st century, then you would probably want to actually work with Planned Parenthood, not against it.

Personal Articles

You may have more valuable possessions than you realize. Your Homeowners Policy can provide some coverage, but with deductibles and limitations. A Personal Articles Policy can provide the additional coverage that you may need. Some items the Personal Articles Policy may cover are: JewelryFurs Cameras Musical Instruments Silverware/Goldware Golf Equipment Fine Art (such as paintings, vases, antique furniture, oriental rugs, rare glass, and china) Collectibles Sports Equipment Computer Equipment Personal Liability Umbrella
People are suing each other today more than ever. Verdicts amounting to hundreds of thousands of dollars are being awarded by juries across the country in increasing numbers. If you accidentally injure someone or damage their property, you could be the one being sued. Even though your underlying policies may provide substantial liability limits, it is not uncommon today for juries to award damages that exceed those limits.
In Brief: What If Henry Louis Gates Had Had a Gun?:
Sitting in an airport, early morning, listening to a replay of Barack Obama's funny, angry, self-aware words on the arrest of Harvard Professor Henry Louis Gates, Jr. (the only bright spot in a pretty damn useless press conference), the Rude Pundit pondered not just the obvious question of "what-if-Gates-was-white," but a more intense one: what if Gates had had a gun? Go with this for just a second before it's time to board. Go beyond the also obvious "Well, he'd've been shot by the cops."

Instead, think like a gun-owning white guy who thinks that the government is trying to take away his guns and that a revolution is coming (and if you are that white guy, the Rude Pundit says, "Dude, get laid."). That ain't a fantasy person. It's the goddamned audience for much of the right-wing rhetoric these days. Now, think, if Gates had been armed, in his home, after having proven it was his home, what if he had threatened to shoot the cops for now engaging in a home invasion? Would he have been justified? Of course not. We in the rational world know this.

But now push it further: would those very real white guys have come to his defense? Or would they have rallied behind Gates only if he was white like them?

There's planes to catch. Miles to go. Perhaps more later.
Health Care Reform Vs. Selfish America:
As the Rude Pundit's noted before, in a way that makes most every other country look like a model of "Kumbaya"-singing, hand-holding unity, the United States is filled with selfish motherfuckers who are such desperate wannabes that they'd dine on their mother's innards if it got them closer to those with power. Listen: the truth about the powerful is that there's those who are trying to help you and there's those who want you to help them. Yeah, they're all self-interested fucks, but at least the former acknowledge that there's a difference between being inside and outside power. The latter? Oh, they're the type that will take you out to a nice restaurant, introduce you to a bunch of their powerful friends, give you little gifts, invite you back to their place, let you touch all their expensive trinkets.

And if you're someone who falls for this? Well, as you pass out from the drink they've given you, as the last thing you see is the powerful unzipping their pants and pulling out their cock, you'll think, "I'm so grateful. I'm so appreciated. I'm one of them," something you'll continue to think when you wake up with a sore ass, chapped lips, no memory of the last twelve hours, and a note telling you to shut the fuck up or your sister's family will be burned alive.

Here's a conversation that the Rude Pundit recently with the somewhat conservative friend of a friend:
FoF: You know, I'm not against a public option on health care.
RP: Really?
FoF: No. I just think that it should be mandated that the policy can't be lower than the average price of the policies of the major insurers.
RP: But then you're giving all the power to the insurance industry. Isn't that the problem?
FoF: The government shouldn't be doing anything to put an industry out of business.
RP: But the FHA didn't put banks out of the lending business. And fuck the health insurance industry. You work for diseased whores, you shouldn't be surprised if you get fucked. (That didn't actually make sense, but it seemed like it did at the time.)
FoF: You just want national health care.
RP: Yeah. I do.
FoF: Then why bother having this conversation?

(Hmm. Thinking about it, that's pretty much the way single payer was treated by the Obama administration. But, hey, we progressives gotta suck it up like good little punks.)

It has stunned the Rude Pundit that the major complaints about any health care plan the Democrats might eventually cobble together like some Frankenstein's monster with a Parkinson's-infected brain are that it will somehow damage the sacred relationship between a doctor and a patient and that President Obama wants to pay for it with a tax on really rich people. The only ones who seem to buy these bullshit lines are the media, who seem to be rooting for an Obama failure to keep the storyline interesting; the Republicans, who spend their evenings skull-fucking Michael Steele so that a brother can't put a thought together; the Blue Dog Democrats, who are listening to the media, who make them believe their constituents are going to hang 'em from the lamp posts; and the yahoo rich-people wannabe, who have virtually no understanding of how socialism or health care works, only what Rush Limbaugh, et al, tell them. That last group there desperately has to believe Rush, et al because it's the only thing left for them to cling to, the American Dream life jacket, the ones who tell them they can still be rich some day if only those who are actually trying to help them stop doing so.

As for the first myth, you know who gets to see whatever doctors they want whenever they want? Not you. That's some bullshit ideal that may have existed a long time ago for your middle or working class ass. But you can believe that somehow the inclusion of a public insurance option in legislation will force you to have your care "rationed." And you can believe that a slight tax increase on people making way more than you ever will is a tumble into socialism. But that's because you're just another grasping, pathetic wannabe who'll always watch the popular kids, hoping that you can be one of them, when they just look at you and laugh and tell you to do their homework. So, in an oversimplified way, the "rationing" part of the debate doesn't apply to you if you're already rich and/or powerful. (By the way, if you're rich and reading this, hey, toss some coins in the hat.)

Republicans are getting giddy at the idea of Barack Obama (and Nancy Pelosi) failing at passing any health care reform. It would please their lobbyist/donor masters to no end. Skeevy Senator Jim DeMint, the last of the triumvirate of South Carolina Republican creepy dirteaters, recently said, "If we're able to stop Obama on this, it will be his Waterloo. It will break him."

Putting aside that the failure of the health care push was hardly the end of the Clinton presidency, here's a history lesson for both Republicans and Democrats. The British alone didn't defeat Napoleon at Waterloo. They needed the Germans, the Belgians, and more. And Jim DeMint ain't exactly Lord Wellington.

Republicans better have more arrows in their quiver than the cry of "socialism." And Democrats better not give aid and comfort to the Republicans. No, we're not gonna get the health care bill we need. We'll get something. But we are not a nation that believes in huge transformations anymore. We could be, but we have abdicated that in favor of greed, self-interest, and fear. And it's a lot easier to give in to those things than to agree that you should help out the family down the block.
Right Wingers Ready for Violence to Defend the Rich, White Way of Life:
Lost amid the sublime delights of hearing Glen Beck totally lose his shit and screech like a wounded weasel in a bear trap on his radio show was his suggestion on the July 13 edition of his Fox "news" show, The Cleveland Steamer with Glenn Beck, that people should arm themselves for a coming revolution. No, really. In a conversation with NRA CEO Wayne "That Is a Gun in My Pants and I'm Not Happy to See You" LaPierre over whether Sonia Sotomayor would interpret the 2nd Amendment the way they believe it ought to be interpreted, Beck offered, "Would you say that our president or our government's stock market really is gun sales. That when gun sales go down -- everybody wants to say, 'Well, I protect guns for hunters,' even though -- I mean, look, I came from a family of hunters. I get it. But that's not -- the Founding Fathers weren't like, 'Well, we might want to go out and, you know, shoot some squirrel.' They did it because of an out-of-control government. And as gun sales go up, that's because we don't trust the government. That is -- that is the fundamental guttural understanding of the Second Amendment. People don't trust the government, they go out and buy a gun."

Did you get that? If you don't trust the government, go out and buy a gun. Because why? Because you can use the muzzle to push the buttons in a voting booth? Or because you can use it to shoot and kill any government motherfuckers who are going to...well, do what?

See, all the savage (and Savage) talk on the right that has inspired wackanoids to go out and shoot up unitarian churches and Holocaust Museum guards is for punk ass reasons. Glenn Beck, who may truly be straitjacket-and-rhino-tranq-his-ass crazy, and his ilk on markets large and small are whipping their frightened, underinsured, teetering on the brink listeners and viewers to a peaking froth because of their idiots' understanding of policy and history. They've reduced the American Revolution to being about taxes. Well, sure, and when a foreign government at the point of a gun and bayonet forces them to pay their tribute to the king, join their military, and quarter their soldiers, then we can talk.

The nation is always filled with wannabe revolutionaries. Usually they crop up when the actual physical well-being of themselves or others is threatened. Like, you know, back during 'Nam, when the federal government used troops to stop protests and a draft was sending people to a war they didn't want to fight. The Weather Underground (who have, indeed, had their welcome worn out for them) and other groups used violence as a tool because they saw the government violently oppressing them, through bullets at Kent State, through police clubs in Chicago. In other words, if the government was going to enforce its will and suppress the people by drawing blood, well, the thought goes, why not draw some, too? (Aside: it's one reason why non-violence is a truly revolutionary method of protest against those who are violent. Our visceral response is to want to kick some ass when someone tries to kick ours.)

So what is driving the good right wing to talk more and more openly about arming themselves for some coming uprising? Has Barack Obama sent the FBI to break down law-abiding conservatives' doors, take their guns, shoot their women, and rape their dogs? Did Joe Biden start an enemies list and had a handcuffed Sean Hannity dragged to a prison where he can be beaten until he gives the whereabouts of Steve Doocy? Holy shit, an ignorant outside observer might think, what is so deadly that a media figure like Beck is, in essence, telling people to buy guns now?

And the answer is a slight raise in the marginal tax rate on the wealthy? An attempt to provide health care to uninsured Americans? A legally-elected government in a representative democracy spending money in the way those campaigning said it would be spent? If Ben Franklin were around, he'd scoff, "Pussies," beat Glenn Beck unconscious with his cane, let Thomas Paine sodomize him, and head back to Paris for more time with whores.

(An uncomfortable tangent: Sometimes, within the rhetoric of insanity, violence can seem logical. Randall Terry and his pro-life legion of Jesus toesuckers believe that abortion is murder. The Rude Pundit's said it before: if you are so deluded as to think that women's health providers who do abortions are baby murderers no matter what the trimester, then you better be throwing your ass in the way to stop it, taking whatever consequences come like a good terrorist. Randall Terry is an attention-craving slugfucker whose cause should end up with him in prison, but he at least seems to think there are lives, not pocketbooks of the wealthy, on the line.)
The Rude Pundit on Today's Stephanie Miller Show (and a Reminder of His Upcoming S.F. Appearance):
Here's the Rude Pundit's latest appearance on The Stephanie Miller Show. Thrill to the undercurrent of unspoken want as they discuss more Republican shenanigans and abject failure at the Sonia Sotomayor confirmation hearings:

(By the way, you subscribe to the Rude Pundit's podcast.)

: The Rude Pundit will be speaking at the Community Music Center in San Francisco this Sunday, July 26, as part of the 2009 Laborfest (scroll down a bit on the link). He'll talk on "Why Upton Sinclair Would Kick Arnold Schwarzenegger's Ass" as part of an evening of labor theatre and music. Support the cause, brothers and sisters.

For advance tickets call (415) 431-8485 or e-mail: marcusd(at)
Walter Cronkite in Purgatory (A Fantasia):
It's not that Walter Cronkite necessarily expected to go straight to Heaven after he died. No, he was used to being consigned to a vast, empty, middle space, having thought upon his retirement that, surely, CBS News would rely upon him as a kind of anchor emeritus. Instead, he was abandoned like an incontinent dog whose owners didn't have the time to care for. Done in by the very bastards he had elevated, told he was a fossil against the evolved, snappy shallowness of the news on ABC, he could at least comfort himself that he outlasted David Brinkley. And then, because he still had some things he wanted to say, Walter Cronkite did hour-long documentaries for the wasteland of barely-viewed cable stations, the kinds of things that the decimated network news bureaus used to do and that a public who at least pretended to give a shit watched.

So Cronkite was used to Purgatory. And when his soul stalled in an empty room, he knew he wasn't in Hell. But it wasn't Heaven. He figured he had a few sins to answer for. That time he broke Harry Reasoner's nose with a martini shaker when that son of a bitch stole an interview slot with Kissinger. That evening he spent masturbating in a corner while watching Ed Murrow madly ball Vivian Vance at the Plaza after a network banquet. That time he nude oil wrestled Chet Huntley for the deranged pleasures of Pat Weaver and William Paley. That weekend in Cape Cod with Barbara Walters where they never even saw the ocean. That tormenting thought that if he had opposed the Vietnam War even sooner, in 1967, in 1966, that it could have saved lives. Cronkite's conscience never let him rest while on Earth. Why would it in the afterlife?

The final straw for him was the coverage of the death of Michael Jackson. As he saw everyone who ever considered themselves a real journalist actually spend time, as if a president or civil rights leader had passed, delving into the death of another drug addict whose presence in the world had dwindled to a mere freak show burp in the wind was too much. There was no reason for him to be alive anymore. As he let himself die, he mourned not himself, but his profession. As degraded as it had become, one of the hopes after the September 11, 2001 attacks was that the news found its purpose again, that the brain-numbing concentration on gossip and bullshit like the Chandra Levy death was going to be consigned to the back pages, that the press was going to re-take its place as an unacknowledged check and balance.

But between the corporatization and concentration of the media and the uncritical reporting of the march to the Iraq War, the hyping of American bloodlust, when he had said, so very clearly, that such things were futile, assured the death of his kind of journalism. It's not that glorification of crime, violence, and celebrity, and the luscious mixture of them, didn't exist during his time. But those were blips, not the raison d'etre of the news. They were the occasional indulgences that lasted a day, not the bread and butter that fed the news cycle.

Still, though, Cronkite couldn't understand the purpose in the fact that his room in Purgatory was filled with televisions showing all the talking heads, all O'Reilly, Beck, Maddow, Olbermann, Hannity, Matthews, Grace, Sanchez, and more, every anchor on every 24-hour news network, none of them offering anything without commentary, none of them simply giving us the news, all of them spinning and breaking facts to suit their ideas and agendas, whether alone or with guests. Cronkite wanted to know why he should be forced to see this, these pretenders who would never command the respect he had had, let alone the numbers.

Three years of this, of the undying thrum of editorial masked as news, and he finally got it. He had to admit it: his proudest moment was also the beginning of the death of news. It wasn't just the corporate culture and the merging of commercial and press concerns. He had to say that his declaration of the Vietnam War as "unwinnable" was also his greatest sin. His outrage mainstreamed subjectivity. He had to accept that in order to get out and finally see Betsy again.

But not just that. No, that would be too simple, and God is nothing if not a tricky motherfucker. What Cronkite realized was that to just accept that he is one of the reasons that all television news now wears its biases as badges of honor would be to give in to those who had attacked him for turning on the war. What he also decided was that he had to understand the sin and then say he would do the same thing all over again. That it was both a betrayal of the trust he had built up and his sacred duty because of that very trust. His job was to report the news, yes, but it wasn't to watch idly as the leaders of the nation sent kids to death. So take the good with the bad. If Bill O'Reilly was the result, so be it.

As the room around him began to disappear, as his ascension began, Cronkite was mournful, because he had opened the floodgates. But he didn't make the flood. Johnson did. Nixon did. He merely tried, as best he could, in the only way he knew, to alleviate the damage.
The Rude Pundit in San Francisco on Sunday:
The Rude Pundit will be speaking at the Community Music Center in San Francisco this Sunday as part of the 2009 Laborfest (scroll down a bit on the link). He'll talk on "Why Upton Sinclair Would Kick Arnold Schwarzenegger's Ass" as part of an evening of labor theatre and music.

For advance tickets call (415) 431-8485 or e-mail: marcusd(at)
The Rude Pundit on The Stephanie Miller Show Tomorrow (Updated with Audio):
The Rude Pundit starts his regular Monday gig with the exquisitely rude and funny Stephanie Miller. Listen in at 9:30 Eastern, 6:30 Pacific, and other times in other zones. (And if you don't get her on the radio, then there's always the magical internet machines. Like this streaming station in Chicago.)

You can hear last Thursday's fun here:
Why Bill O'Reilly Ought to Be Sodomized with a Microphone (Blinking Edition):
Here's the bestest analysis you could desire on the Sonia Sotomayor confirmation hearings. It comes from Fox "news" host and a man who eats baby voles like peanuts, Bill O'Reilly, who was talking very seriously last night with very serious body language "expert" Tonya Reiman about Sotomayor's blinking and hand gestures (quoted in full in order to savor every delicious contour). O'Reilly first showed a clip of the judge and then:

"O'REILLY: Okay. So we had a lot of blinking there, Tonya. I should introduce Tonya. Joining us now from West Palm Beach, Florida, the body language czarina, Tonya Reiman. I got a little ahead of myself there. So anxious to hear what you have to say.

So we have fluttering of the eyes. You know, rapid blinking, as most people know if they watch The Factor, is usually associated with nervousness. And there would be no reason why the...

REIMAN: Right.

O'REILLY: ...judge shouldn't be nervous. I mean, come on. Everybody would be in that situation. But she has some fluttering. And that's what I wanted to know about.

REIMAN: Right. Well, you know what? It's funny because typically you're right, that's an indicator of anxiety of nervousness. When you're watching her, though, if you notice, if you base line her over a period of months, you will realize that's something she does all the time. That's one of her norms.

What I was looking at more was her hand movements, because typically she is a little bit more animated than she was here. Her movements were a little bit more dominant where they are normally a little bit higher up; her gestures are normally higher up.

O'REILLY: So what does that tell you? That she is consciously trying to play it down?

REIMAN: I think that she was really trying to control how she came across. One of the first things I noticed when she is asked the question about her temperament, she does this little unconscious head negation to say complete disagreement, in other words. And then I just noticed that the hand movements were kind of very low...


REIMAN: the table...


REIMAN: ...yet they were open. The fingers were open, palms were down, which is of course the dominant role. And I think that she was controlled and really thinking about the movements she made.

O'REILLY: She looked to be a little hunched over to me. Does that indicate anything at all, or is it just habit? Just the way she sits?

REIMAN: No, because again I think that she typically sits like that. I noticed that in past videos I've looked at, she typically sits a little hunched over."

First off, being a "body language czarina" is like being a "three-card monte fuehrer." It's one of the easiest scams you can pull. Fuckin' Reiman even teaches a "Body Language University" (no, really). But, hell, she has "a degree in General Studies," so you know you can trust her insights. Let's hope the czarina of body language doesn't ever meet the Bolsheviks of real psychology. It can't end well for her. Mostly, though, fuck Reiman. Sister's got make a buck from the rubes, you know?

As for O'Reilly, yeah, filling forty minutes or so of show time a night has gotta be hard. 'Cause if you don't talk with some con artist who "has a passion for hypnosis" about whether or not Sen. Chuck Schumer was really choking up when he was giving Sotomayor's life story (which was the next topic after the judge), then you might have to spend more time on important issues like the Michael Jackson death story and make wildly unsubstantiated statements based on the observations of a twit.

Oh, wait, there's this exchange on Jackson's father:
"REIMAN: [W]hen he is asked about the drugs he goes from a steeple of power position to a hand folded position which tells me that he was hiding something there.

O'REILLY: All right, so there is deception in his presentation."

Ya gotta give some props to O'Reilly: Skeevy old guy and hot blonde chick? This shit is like vaudeville.
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