Unemployment Insurance

CLUSTERFUCK: Personal Doom for RE

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Aired on the Doomstead Diner on June 24, 2015

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clusterfuckMedic

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Greetings Diners!

Sorry for being so long between Rants these days, but as Regular Diners know, things have not been going exactly SWIMMINGLY WELL for RE over the last few weeks.  All the bullshit I am dealing with both in my Cyberlife and IRL has been consuming most of my writing and ranting time for the last 3 weeks.

I will fill you in on the nonsense in this Rant.

I am at least through the cyber problems now for the most part.  Through VOLUNTEER GIFT efforts by my Code Jockey Doomer friends on the net, we are in the process of making the Doomstead Diner (and other Doomer Sites we host) the most resilient and BULLETPROOF Doom Site on the NET.  This will get DONE before I BUY MY TICKET TO THE GREAT BEYOND TM!; I will not LET myself die before it gets done!

I wish I had friends who could help me negotiate the Matrix of the Medical & Insurance Industries.  Alas, this Code is impenetrable even for IT Code Jockeys.

Anyhow, to make up for not ranting much lately, this one runs long at 12:34.  1234…

Snippet:

…As regular Diners know, I have been in a battle with numerous Goobermint Agencies, Unemployment Insurance, Workman's Compensation and Social Security in order to try and get some kind of income here while I work out how to get Medical care and to afford that care. So far, about four months into this clusterfuck, I have not been able to get a dime from any of these systems that I paid into over the last 40 years of my working life. Not one thin DIME here, from any of them.

I am fortunate that I have some savings, because if I did not I would already be Homeless and dieing as a Cripple on the streets of Palmer, Alaska. So I have been waiting out the legal issues and the bureaucracy issues involved in all of these areas. Each month my savings dwindle a little more, each month I wait for some response from each area of the supposed “Social Safety Net”…

For the rest, LISTEN TO THE RANT!!!

Full transcript will be available HERE in a few days

The Days of Our Lives: Episode 2

Off the keyboard of RE

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Published on the Doomstead Diner on June 14, 2015

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Discuss this article at the Medicine & Health Table inside the Diner

Another Week has passed in the Last Great AdventureTM for RE, negotiating the Dysfunctional Health Care System of the Fascist States of AmerikaTM.

medical_billsAfter the visit this week at the office of the Pro From Dover who is supposed to carve up my neck and fix me up at some point, two NEW Projects emerged which I need to resolve before Signing on the Dotted Line for all the charges that are going to be pitched out for such a Surgery.

First thing is to get the Subrogation between the two Insurance Companies (my own Insurance and Workman's Comp Insurance) properly set up.  This has to happen because in the event I win my Workman's Comp case, all the bills that currently have been paid for by my insurance or myself will need to be reimbursed to me and my insurance company ex-post-facto.

Second thing is to nail down precisely WHAT the costs are for this operation?  All I have right now are the charges the main Pro From Dover drops on the Bill, but there are many more.  Anaesthesiologist, Neuro-Monitoring Dover Pro, Assistant Neck Carver Dover Pro, and the Hospital costs themselves.  There probably are other ones not yet identified too.

All of this we have been detailing out Inside the Diner in the thread evolving from Episode 1 so far.  Balance of this article comes from that thread.

From JDW:

Heh, you're not the only one, Micheal Snyder just published this:

http://theeconomiccollapseblog.com/archives/hospitals-are-blatantly-ripping-us-off

 

From Surly:


Right on time.

50 hospitals charge uninsured more than 10 times cost of care, study finds

From Eddie:

 I mentioned the story of how my son went to the ER in Del Rio to get checked out for a bit of heat stroke, right?

The actual treatment rendered consisted of starting an IV and giving one bag of fluids.

The bill? Ten thousand dollars. Seems they like to diagnose heat stroke using an MRI and a CT Scan on a healthy 24 year old.

From RE:

I just finished composing two emails to my Insurance company, which of course can only be sent on their proprietary server.  For "security" reasons of course.  ::)

However, a minute after sending them that way, I sent the same two emails to myself through two of my many email addys.  ;D  So I have my own record with the time and date stamps on them.

In addition, for the reading pleasure of the Diners following the Days of RE's Life Soap Opera, here are the two emails:

Note:  I have changed names and numbers for legal reasons in this version.  Changes are in BLUE  :icon_mrgreen:

First, on the Workman's Comp Subrogation issue:

I have spent the last several month undergoing diagnosis for an injury I suffered at work.

I was informed by the billing department of one of the doctors that the claim needed to be "subrogated", so I called up ALLWRONG Insurance a couple of months back to find out about this.  The representative on the phone told me there was nothing I needed to do, my claims were being paid.

I was informed again yesterday the claim needed to be subrogated, and that ALLWRONG Insurance said I had never called about that, which is not accurate.

The Insurance company for the Workman's Comp Claim is Mutual of Deceit.  The Claim Number is 666-FUCKYOU.

Further information regarding the case can be provided by my Lawyers Dewey, Cheatham & Howe.  They can be reached at (666) SHYSTER.
 
Please let me know when this has been properly handled.

Thanks for the fine coverage you have provided so far.  Without it, I would not have been able to get diagnosed.

Second, on the reimbursement rates for the Pro From Dover's list of charges:

I have been diagnosed with a neck injury and will need spinal surgery.

I have been given a list of 2 possible proceedures that might be undertaken, and the prices the Pro From Dover charges for this.  It does not include the charges from the anaesthesiologist or neuromonitoring doctor or the assisting doctor, just his own charges.  It also does not include the hospital charges.  I have not yet been able to get those charges.  However, we can begin with this.

I will list the codes for each proceedure and the prices he charges.

63081     $13,000
22551       $19,000
22554     $12,500
22846     $ 7,900
22585     $ 3,500
20931     $ 1,300
Total       $57,200

or

63081     $13,000
22554     $12,500
22846     $ 7,900
22585 x 2  $3,500 each
63082     $ 4,500
20931     $ 1,300
Total $46,200

Please send me the list of reimbursement rates from ALLWRONG Insurance on both of these sets, and the total reimbursement for each one.

Thanks for your help and fine coverage.
——————
I am going to get a LOT of Blogging material out of this!  :icon_sunny:

From RE:

OK, just fired off another email to try and get a Price Quote on the REST of the charges for this operation.

Doing this is not easy, because just FINDING an email address to send this mail to was difficult, but I did find one that was semi-appropriate in a pdf on the Providence Hospital website.

None of the Pros From Dover provide email addys, and everybody has their own Billing department.  If you have dealt with just ONE of these billing departments on the phone, you know you can't get jack shit in information this way.

Anyhow, here is my first attempt at trying to get the FULL LIST of charges for the operation by the Pros From Dover:

I have been Diagnosed with a neck injury I suffered at work, and will need Spinal Surgery to repair it.

The Surgeon at Providence I visited with is Dr. X.  He has provided me with his list of charges for the operation, but not the rest of the charges such an operation at Providence Hospital will accrue.

I need the list of charges from the following Doctors and Providence:

1-Anaesthesiologist charges (No Doctor Named)

2-Neuromonitoring Doctor (Dr. Q named)

3-Assisting Doctor to Dr. X (No Doctor Named)

4-Providence Hospital Charges for the Operating Room and Recovery stay at Providence

Estimated time in Surgery is 3 hours

This is the only email address I could find to try and get this information.  Please forward to the appropriate billing departments and have them reply to me if you cannot provide this information yourself at this address.

Thanks for your help.
—————-

OK, that is IT for today in trying to swim through this clusterfuck.

Now I am going back to DOOM!

From GO:

Realize it's easy to say but throw it out of your mind, it will add to your illness if you dwell too much on it.

There is no swimming through it, it's an endless river of pure evil extortion. Get the operation as soon as possible to get yourself well and deal with it later. The whole fucking country is in unpayable debt and bankrupt anyway, from students to senior citizens to the government. Something will have to be done to help out people in such an untenable situation sooner rather than later.

From RE:

Nope, will not do this operation until I get it all spelled out.

It's really a very good Test Case of many aspects of the system, besides the Medical Industry bullshit & Insurance Industry bullshit, you also have Unemployment Insurance (Epic Fail already), Workman's Comp (still under litigation) and  SSDI (still in bureaucratic paper shuffling).

I'm not going to get bullied into an operation that will bankrupt me before I am otherwise bankrupt anyhow.  Right now I can still write and I have a roof over my I head I can do it in and plenty of food to eat too.  When I have used up the last of my savings, THEN I will go in for the operation, if I'm still alive anyhow.

It's my LAST GREAT ADVENTURETM.

From GO:
Well, you certainly are the best judge of your own situation RE.

I was merely coming from the usual assumption that a medical condition untreated become worse and harder to deal with later on. But I'm no Doctor, that's for sure.

It's such an evil racket that it turns the stomach of honest normal people.  :'(

From RE:

Everyone "assumes" that "your health is the most important thing".  So no matter WHAT it costs, you're supposed to do it.

Really though, your Health is subsidiary to your Economic Well-Being.  If getting fixed up means GOING BANKRUPT, HTF am I better off?  I have a fixed neck but I am HOMELESS? This is an IMPROVEMENT?

The Med industry trades on the fact that sick & injured people will spend whatever it takes to get fixed up, rather than die or live as a cripple.  I WON'T pay whatever it takes, if whatever it takes will BANKRUPT me.  It's not worth it.

From JDW:

You know, RE, you may have trouble with your spine, but you definitely have BACKBONE.

Most people (myself included) would not do what you're doing, and that's why these businesses are able to get away with it.

From GO:

I hear you and think the same way RE. My idea is they know they can't get blood from a stone so it may be possible to work out a long term payment plan without ending up on a park bench.

Of course if you had a paid for home or they smelled assets they would bleed you dry. But a school teacher, on a modest salary, living in a rental and driving what they consider to be a shitbox is another matter. They surmise you are not rolling in dough They might want to grab every dime the could get from insurance and all the avenues you listed and then, after they maxed out all they could get there, saddle you with some leftovers and work out a monthly pay plan which allows you to continue without bankruptcy. A lot of legal firms offer an initial free consultation, perhaps you could get an idea with an inquiry.

Another idea is a legal aid society. a lot of colleges and schools offer free advice to people in financial trouble, the law students usually give ideas from that source and not actual lawyers.

I certainly understand what you are saying though, would do the same thing if in your shoes, just trying to offer some ideas. 

From RE:

Thanks for that JDW, but it's really not "Backbone" or "Courage" at work here, it's my LOGIC and CFS at work.

I just did a COST-BENEFIT analysis on the situation.

1- The operation is unlikely to restore my former spry and athletic self.  Damage done already is too great for that.  All it does is stabilize the situation some.

2- I am not likely to be fit for any type of work that I have experience with even after a successful operation which stabilizes it.

3- Being BANKRUPT and unfit for any type of work I have experience with leads to HOMELESSNESS if I cannot get my Bennies or a Settlement on the Workman's Comp Claim.

4- Finishing off my life as a Homeless Cripple is not how I would like to go to the Great Beyond.

So in this Game Theory exercise, I have only one valid option, which is to fight the system and hope I hold up long enough to make it through to the Other Side of it.

I'm not being "Brave".  I am just doing what makes CFS to me.

I will WIN!  I will make it through the Clusterfuck!  I have HOPIUM.  :icon_sunny:

I never QUIT!  I never GIVE UP!

It ain't OVAH till the Fat Lady Sings for RE, and she's not sung the final Aria yet!

From Monsta:

Logical it maybe but it still involves courage. The thing is we like to think of ourselves as rational human beings that apply logic whenever possible but the thing is when logic meets our primal desires it often fails. Our will to live is strong and quite often those logic decisions we make get overruled. It is partly this reason why we have the clusterfuck we see today. So in the end while your decision maybe CFS it still requires courage on the fact it takes balls to overrule your desire to live (you're primitive brain often does not make the distinction between good life and bad life). Also another desire that stops people is quite often people want to fit and not rock the boat and be a troublesome person. This is a fact that many companies play on when giving poor customer service; the lack of courage some customers have in speaking out.


And that is probable MORE than enough for Episode 2 of Days of Doomer LivesTM here on the Doomstead Diner. More coming down the pipe, to be sure.

RE

Emergency Savings: How much do you REALLY need?

Off the keyboard of RE

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Published on the Doomstead Diner on May 10, 2015

Homeless-Family1

Discuss this article at the Medicine & Health Table inside the Diner

 As I mentioned in my last article RE's Excellent Spinal Surgery Adventure, I am currently in the midst of a Health Catastrophe that only a very expensive surgery can hope to do anything to fix up.  Bad as it is having to deal with that, you get an ancillary problem when one of these catastrophes strikes, you lose your income pretty much instantaneously if your income comes from having a Job, as most folks besides the Filthy Rich need for a source of income.

Generally speaking, people in the FSoA believe we have a Social Safety Net that keeps you from falling off the cliff right away if you can't work.  Unemployment Insurance is supposed to cover you for 6 months to begin with, right?  Wrong.

http://khtreeservices.com/wp-content/uploads/2012/06/tree-trimming.jpgIn order to be eligible for UI, you have to be READY, ABLE & WILLING to take a job.  If you can't do that, you can't receive UI Bennies.  So if say you were a Tree Trimmer and lost your arm in the Wood Chipper, obviously right after it occurs you're not going to be ready to work at ANYTHING for quite a while, and never Tree Trimming again.  Once you get your prosthesis and heal up, you might be able to work as an IT Developer, but you don't have those skills or experience, so you're not going to get a job like that requiring only one good arm.  So you don't get UI.

Clearly, you have become DISABLED, so you should be eligible for SSDI, Social Security Disability Insurance.  However, it takes minimum 4-6 months for Social Security to determine whether to hand you those Bennies, and this is only if you do all the filing correctly and quickly, which you probably don't do right away because you're too busy getting your medical problems fixed up.  After this 4-6 month waiting period, SS approves currently around 40% of the applications the first go round, and another 40% on a second go round, which of course takes an appeal and a few more months to finally get it if you're not one of the 20% that get left twisting in the wind in perpetuity.

Now, for the Wood Chipper, if his accident happened on the job, in theory he should be eligible for Workman's Compensation.  This assuming he is not Self-Employed and has an Employer to file a Workman's Comp claim against.  Employers have Insurance Companies that get called in when a WC claim drops in, and of course they don't want to pay up unless they absolutely have to, which brings in the State Labor department when they "Contravert" the claim, which basically is for some reason they deny the responsibility to pay up.  This then goes into an arbitration proceedure, and you better have a good Lawyer to represent you for that one.  Even with a real good case like the Wood Chipper probably has here, you don't even get your fist Pre-Hearing for 6 weeks, and then it is another 6 before the first Hearing, and meanwhile you are twisting in the wind and racking up the medical bills too.

So basically, far as a Social Safety Net goes, there really isn't one that is effective if you get hurt or have a medical problem that keeps you from taking a job, even temporarily, which is in many senses worse than a problem which makes you permanently disabled.  If you're permanently disabled, at least after 6 months you should start receiving your SSDI bennies.  Calling this an "Entitlement" is absurd, you paid into this insurance fund for precisely such an occurence.  If it was just a temporary problem, like say the Wood Chipper just broke his arm but didn't cut it off, he isn't eligible for SSDI once he heals up, which he does before SS even makes a determination on his condition.  His employer replaced him while he was laid up, so now he needs to find a new Wood Chipping job.  He IS now eligible for UI, but this will only last him 6 months once he finally gets it rolling, but if he didn't have at least enough savings to carry him through the 6 weeks or so while his arm was healing he may already be Homeless, his Cell Phone cut off and living in his car.  Even if there are any other Wood Chipper jobs available, it's tough to get a job when you have fallen this far off the cliff.

So, how much Emergency Savings do you really need? Here's some estimates from Business Insider on what your Emergency Savings Fund should be:

Your emergency fund is the cash you have set aside in case of — you guessed it — an emergency.

Ideally, you're storing this cash in a separate savings account, in order to draw a mental and logistical barrier between this money and your other savings, so you don't accidentally spend it on a trip to Aruba or a comfy new mattress.

This money is specifically for emergency situations, like a medical emergency, a death in the family, or to cover your living expenses should you lose your job and income. "If you also have an investment portfolio, you don't want to have to liquidate things at an inopportune time to raise a little money," explains Jonathan Meaney, a certified financial planner. "It's good to have some cash on hand that's not exposed to the ups and downs of the market."

But how much, exactly?

3 monthsFlickr / Tony Hisgett

Emergency savings aren't usually measured in terms of dollars — rather, it's months of living expenses that money could cover. For that reason, everyone will have a different dollar amount, and everyone will have a different need.

The most basic emergency fund, for a healthy person without dependents who lives well within their means, is three months of living expenses.

"If you lost your job, you could presumably find another one within this window," explains Meaney. "Although in the current job market, it's been a bit of a challenge."

6 monthsFlickr / Tony Hisgett

Dual-income families, people with dependents, or individuals with variable or commission-based income might want to think more in terms of having at least six months of living expenses stored in their emergency savings.

Some experts even recommend that every person blow straight past three months, and sock away at least six months' worth of savings no matter their situation.

Again, the amount of savings you need is highly personal. "What does your overhead look like? Are your only expenses every month your utilities, or do you also have a $600 car note?" Meaney asks.

When calculating your month's living expenses, you'll want to include costs like your child's tuition, any debt payments you need to make, or any other expenses you'd have to cover should your income be interrupted. The number you come up with shouldn't be a surprise, if you know how much you're spending every month. "You're starting from your budget," Meaney explains.

8 monthsFlickr / Tony Hisgett

Single-income families, families with health problems, and older and/or retired people will most likely want more months' worth of cash stored away — at least eight months, or even an entire year.

While no one expects an emergency, those who are bringing in less income or who are at a higher risk for some sort of upset (like older individuals) will want to make sure they have enough money to cover them for a considerable period of time, or a series of very large bills.

It may sound like a lot of money, but amassing your emergency fund is just like saving for a vacation or a new car: Set up a regular auto-deposit from your paycheck into your emergency fund, and let it grow quietly in the background, hopefully never to be needed.

 First off, the 3 month number is a JOKE.  This isn't enough to carry you through the period it takes either to work through the SS Bureaucracy or to get a Workman's Compensation claim settled.  6 months is a BARE MINIMUM for this, and this is also assuming you are successful getting your Bennies on the first Go Round.  Really, you better have 1 year at least of Savings that can carry you through this period, and it can go even longer than this.
 
http://www.usnews.com/dims4/USNEWS/44cdf98/2147483647/resize/652x%3E/quality/85/?url=%2Fcmsmedia%2F52%2F6e4030199eb2f0936a06baadbb72f7%2F38926FE_DA_MedicalBill_030413.jpgYou also have to remember that in the case of a Medical situation, your Bills aren't your regular bills, now you start accruing the inflated bills from the Sick Care industry as well.  If you have some Med Insurance you can get in the door and get the work done, but you have to sign many statements saying that YOU will be responsible for any charges that your Insurance Company won't pick up. At the very least this will be your Deductible, but it often works up to much more than that, because insurance providers have schedules for payment on proceedures that don't match up with what the Docs and Hospitals actually write down as charges on the bill.  The difference between them YOU are expected to pay.
 
So if you start paying these bills, what you thought was a 6 month buffer can be whittled in half or more in no time, depending on how serious your problem is and how much these folks start dropping on your tab.  So the best thing here to do is to NOT pay it, delaying as long as you possibly can the bill collectors until you have burned through your savings, then declare Bankruptcy.  This should get you out from under the bills, but of course you are still BROKE here with no source of income, so where did you get the money to pay a Bankruptcy Lawyer?
 
Anyhow, with decent luck if you do end up Approved by SSDI for those bennies, if you have VERY low monthly bills you probably can keep going.  However, nobody who lives a Middle Class life can do that on SSDI.  Remember, during your period of being without work and income, you burned through your savings, which includes that 401K that you were saving for your Retirement Nest Egg.  Given how high medical bills can go, you need a very large nest egg indeed to be able to weather a storm like this and come out on the other side with still enough left over to keep that Middle Class lifestyle once your working career is finished.
 
So now let's get realistic here, how many people have these various levels of Emergency Savings to weather the storm, even assuming they meet all the requirements and get approved for SSDI?
 
According to CNN Money
Fewer than one in four Americans have enough money in their savings account to cover at least six months of expenses, enough to help cushion the blow of a job loss, medical emergency or some other unexpected event, according to the survey of 1,000 adults. Meanwhile, 50% of those surveyed have less than a three-month cushion and 27% had no savings at all.
They don't even pitch out a figure for what percentage have enough for a full year, but a good guess is less than 15%.  This figure probably represents mostly upper income people, but not necessarily since high income people often have high expenses also.  If your monthly nut has a $3000 mortgage, $500 in car payments, $2000 in medical insurance, Cable TV bills, Netflix Bills, Dance lessons for your daughter, karate lessons for your son yadda yadda, you're going to need a LOT bigger emergency stash to maintain your lifestyle than a single guy with no kids living in a single wide mobile home in Arkansas.  If your monthly nut is $10K, you're gonna need $60K for 6 months, whereas if your monthly nut is $2K, the 6 month figure is only $12K.  It's not like you can downscale that rapidly either to conserve the funds, even if you could convince your wife that you need to move into a Trailer Home immediately.  You can't unload the McMansion that quick; you can't unload the Mercedes that quick and what you will get for it on the used market is not what you still owe in payments on it either.  So you will burn through the money quite rapidly here, and on the other side of this after you have exhausted your 401K and finally do get your SSDI if you qualify, it's definitely not going to be enough to maintain this lifestyle.  So even an Upper Middle Class person can be wiped out just about as fast as a Lower Middle Class person can be.  The lower middle class person has less distance to fall here, so it's not quite so big an adustment, although in both cases once you are so far down you end up Homeless it's a huge adjustment to make, which few can make successfully.
 
Other than fairly well to do people though, most people at or below the Median Income simply can't afford to create an Emergency Savings Fund to begin with.  They can't afford taking 5% of their take home pay every week and dropping it into a savings account for a rainy day.  the Median Income basically represents precisely what it costs the Median Person in the society to maintain the Median Lifestyle.  Only if you consistently live "poorer" than whatever your income is can you sock away savings like this.  The less money you make, the less possible it becomes to live poorer than what that income will buy in terms of lifestyle.  In fact, most people live slightly BEYOND what their income can afford, and so end up accumulating more debt rather than savings.
 
If this happens to be the case for you, basically you are up Shit's Creek without a Paddle when DISASTER strikes and you run into a medical issue that keeps you from working and "earning your keep" in the society.  The Larger you Live, the more vulnerable you are to a big fall.

Tell Us How you Categorize Yourself

 
Cornucopian: You believe current problems are temporary and Homo Saps will eventually go Star Trekking
Doomer Lite: You believe we will have a Greater Depression, but eventually rebound from it
Full Doomer: You believe Homo Saps will undergo a massive Population Knockdown but will not go Extinct in this century
Uber Doomer: You believe Homo Saps will be extinct by the end of this century
 

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Event Update For 2020-05-21http://jumpingjackflashhypothesis.blogspot.com/2012/02/jumping-jack-flash-hypothesis-its-gas.htmlThe [...]

Event Update For 2020-05-20http://jumpingjackflashhypothesis.blogspot.com/2012/02/jumping-jack-flash-hypothesis-its-gas.htmlThe [...]

With fusion energy perpetually 20 years away we now also perpetually have [fill in the blank] years [...]

My mea culpa for having inadvertently neglected FF2F for so long, and an update on the upcoming post [...]

NYC plans to undertake the swindle of the civilisation by suing the companies that have enabled it t [...]

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Sustainability

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The Great Pause Week 9: México's Seppuku"The survival of life on earth depends on México’s dark fossil sunlight never seeing the light [...]

"We are one large solar flare, one errant asteroid, one mutant gene, or one nuclear winter away [...]

The Great Pause Week 7: Coping with a Nuclear Infection"Emergency preparedness plans are already inadequate, but the prospect of a mandatory mass evac [...]

The Great Pause Week 6: The Green Child"There passed long stretches of beautiful waterfront acreage with hanging Spanish moss, decayin [...]

The Great Pause Week 5 : Is it Over Yet?"The pandemic, as lethal as it has been, is not yet nearly bad enough."Área de Protección [...]

The folks at Windward have been doing great work at living sustainably for many years now.  Part of [...]

 The Daily SUN☼ Building a Better Tomorrow by Sustaining Universal Needs April 3, 2017 Powering Down [...]

Off the keyboard of Bob Montgomery Follow us on Twitter @doomstead666 Friend us on Facebook Publishe [...]

Visit SUN on Facebook Here [...]

What extinction crisis? Believe it or not, there are still climate science deniers out there. And th [...]

My new book, Abolish Oil Now, will talk about why the climate movement has failed and what we can do [...]

A new climate protest movement out of the UK has taken Europe by storm and made governments sit down [...]

The success of Apollo 11 flipped the American public from skeptics to fans. The climate movement nee [...]

Today's movement to abolish fossil fuels can learn from two different paths that the British an [...]

Top Commentariats

  • Our Finite World
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In reply to Gail Tverberg. I think when you are so old that you can longer chew... it's Fenty T [...]

https://www.wsj.com/articles/for-economy-worst-of-coronavirus-shutdowns-may-be-over-11590408000 [...]

In reply to Fast Eddy. Hopefully I'll get some helicopter munny.... I'll celebrate by usin [...]

In reply to Gail Tverberg. And guess what.... our business is paid in HKD which is pegged to the USD [...]

In reply to Stevie. I have one name for anyone who does not think man-made G W is a ho ax: Al Gore [...]

Same here! Greetings to all, and thank you Steve. [...]

Really glad to hear from you. Can't wait for the post. [...]

In reply to ellenanderson. Sorry I haven't been writing lately, there is a lot/nothing going on [...]

Hi sp gp Sorry didn't mean to be harsh. I myself go through waves of bitterness and anger (I lo [...]

RE Economics

Going Cashless

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Simplifying the Final Countdown

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Bond Market Collapse and the Banning of Cash

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Do Central Bankers Recognize there is NO GROWTH?

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Singularity of the Dollar

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Kurrency Kollapse: To Print or Not To Print?

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SWISSIE CAPITULATION!

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Of Heat Sinks & Debt Sinks: A Thermodynamic View of Money

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Merry Doomy Christmas

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Peak Customers: The Final Liquidation Sale

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