Showing posts with label Debt. Show all posts
Showing posts with label Debt. Show all posts

Sunday, January 8, 2012

Mic-checking and the Occupy Movement

An clear summation of the principles behind the Occupy Movement, to my mind, from PJ Rey in Inside Higher Education:


"The current debate surrounding Occupy’s mic-check tactic is in desperate need of an updated notion of free speech that accounts not only for negative freedom (i.e., freedom from constraints) but also for positive freedom (i.e., freedom to be recognized) as well. That is to say, for the right to free (political) speech to have a practical significance, it must also imply a right of equal access to the public sphere. Of course, there are practical limits to equal access. Attention given to one individual or group usually comes at the expense of attention to others. But what the Occupy movement seems to be rejecting is the current (arguably anti-democratic) reality where distribution of access is left to be determined by market forces. Occupiers are struggling for the democratization of political speech. The primary purpose of Occupy’s use of the human microphone at public speaking events is not to disrupt, but to be heard. It is not an assault on free speech but a tactic for obtaining it.

Sunday, November 6, 2011

Poverty Statistics Hitting News Outlets, 1 in 15 Americans Affected by Poverty

From The Skanner:


They demonstrate the shifting compositions of urban poverty in the United States, with a recognition of undocumented and increasing Latino poverty:

"The new supplemental poverty measure for the first time will take into account non-cash aid such as tax credits and food stamps, but also additional everyday costs such as commuting and medical care. Official poverty figures released in September only take into account income before tax deductions.Based on newly released estimates for 2009, the new measure will show a significant jump in overall poverty. Poverty for Americans 65 and older is on track to nearly double after factoring in rising out-of-pocket medical expenses, from 9 percent to over 15 percent. Poverty increases are also anticipated for the working-age population because of commuting and child-care costs, while child poverty will dip partly due to the positive effect of food stamps.For the first time, the share of Hispanics living in poverty is expected to surpass that of African-Americans based on the new measure, reflecting in part the lower participation of immigrants and non-English speakers in government aid programs such as housing and food stamps. The 2009 census estimates show 27.6 percent of all Hispanics living in poverty, compared with 23.4 percent for blacks."


Friday, October 28, 2011

2nd Accident, Hateful Insurance Companies

After being hit by a car earlier this summer I was still resolved to commute around Pittsburgh once the fog of the concussion lifted and I had the opportunity to adjust and build up a spare bicycle I had purchased from a friend a year before. 


Needless to say the accident before made me much more careful of how I conduct myself on the road, the risks I'm willing to take, and the attention I pay to others on the road. 


On one such careful commutes to school from my home I was sitting at a red light in a very busy intersection (actually approximately 2 blocks from the previous accident) and preparing to cross. This red light is particular because it is on a very busy road that is also between two university campuses. In order to allow pedestrians the ability to cross said road without having the potential threat of being struck by a turning vehicle the pedestrian walk sign lights up 10 seconds before the green light for vehicles headed in the same direction. 


At one such moment, sitting at the red light, I looked at each light in turn making sure all reds were illuminated as with the pedestrian light. I saw no vehicles in the intersection. I started pedaling into the intersection. I hear the roar of acceleration coming from my left turning just in time to see a red Suburban slamming into me and the tanned, chubby, blonde-hair ringed face of the driver staring down at me as she attempted to brake. She failed to run me over, and I looked up at her weepy face and yelled, "not another time this fucking year!" I limped to the corner dragging my bent (steel frame bicycle) behind me.


The driver parked and ran up to me weeping and shrieking to see if I was ok. Other drivers and bicyclists stopped and circled around checking on me, calling the police, and helping get the driver's insurance information. The Pittsburgh police did their usual bang up job by insisting that they were not going to write a report, nor were they going to issue the driver a citation for running the red light and hitting me. They were instead much more interested on whether or not the driver who was helping me was properly respecting their authority. (This is no shock as the Pittsburgh police are known to have a hefty history of violating resident's constitutional rights


The driver continued to hyperventilate and since I didn't detect immediately any broken bones and any real emergency, I was surprisingly lucky, I limped to my office to call the driver's insurance company and start the claim process. During the call I notice my left ankle swelling more and more, turning blue. The student health center determined that I had no significant bone breaking, mostly soft tissue damage, and eventually an injured tendon. 


Although I know I probably could have sued this woman's insurance company I didn't really have the time and emotional energy to get into a legal battle. So I gave the insurance company my statement expecting at least some sort of minimal recompense besides the medical costs associated with the accident. That was a semi-delusional attitude, as I later learned, moreover, NEVER GIVE AN INSURANCE COMPANY A STATEMENT IF YOU EXPECT THEM TO GIVE YOU A DECENT RECOMPENSE FOR THE SHIT YOU GO THROUGH, OR DESTROYED PROPERTY. First, speak with a lawyer, that is if you are certain you are not at fault. 


The insurance company gave me the run around offering me at the end around $500 for future medical costs, and for my destroyed bike because the frame was older. Little did they know or care was that the frame was a very sturdy 30 year-old frame which I had augmented with newer parts. I had to argue with them and suggested a much higher amount of a few thousand dollars. After hearing my objections they tacked on another couple of hundred dollars which frustrated me, and I started to object to which the agent, replied by insulting me. She insisted, "I know you got in another accident earlier this year and this makes me wonder..." Because I didn't want to hear the bullshit insurance company logic that dictated this incredibly soft-voiced, soprano midwestern woman I suggested that I would seek legal action and then hung up. I was in a rage for hours following that interaction, the notion that I would just liberally ride my bicycle in the way of cars only to wheedle money out of insurance companies had to be the largest deposit of feces I had ever been asked to ingest. Why the fuck, I thought, as a PhD student just recovered from a concussion would I ever risk my brain like that again? For a few hundred bucks? That is insane.


In the end I gave in. I have a prospectus to write, mounds of grading, and at the time a controversial argument to write for a panic inducing bilingual conference. I took the money so that I could eventually get a new bicycle and get on with my life and not endure anymore of the insults leveled at me by this woman, who for a second, almost got me to question my recollection of the collision itself. Fuck insurance companies. 


(Part 2, coming shortly, discusses the uselessness of university administrators in cases like these).