i just want to remind everyone that haruka tenoh aka sailor uranus is canonically bigender/intersex and so harumichi is off-limits from terfs forever, they cannot touch haruka/harumichi, okay have a gr8 day
so anyways terfs can’t touch haruka tenoh
What a great day to remember that Terf are not allowed in the moonie fandom
I saw a post that was like “mutuals =/= friends” like whoa okay I always thought of mutuals as low key friends but that’s fine let’s make people more insecure of their relationships than they already are
Bruhs, if we are mutuals you are 100% at least low-key level friend to me.
I follow you = acquaintance
Mutuals = low-key friends
I’ve replied to your posts at least twice = high key friends
I actually use the message system to talk to you = I really really like you and probably talk about you to people irl all the time
Glad Republicans took the time to understand how health insurance works before they put together a health insurance bill that will impact millions of Americans.
Oh my fucking god.
I am a licensed insurance agent, let me tell y’all something.
There is a thing in our lives called RISK, okay. Risk exists because there is a chance of loss. If you have a car, you could crash the car. You would then have to pay to fix the car, pay for your injuries, pay for someone else’s injuries, pay for THEIR car, and also pay any fines and tickets you might have incurred thanks to the crash. Plus if they sue your ass for more money, you have to pay for a lawyer. That’s the RISK of having a car. How do you get rid of this risk? You don’t have a car. Having a car is what we call ‘exposure’ – the circumstance that opens you up to the risk of a loss.
Y’all with me so far about risk and exposure?
There are four key methods of managing risk. The first is Avoid. In this instance, you can Avoid the risk by not having a car. Of course, this method isn’t perfect because other people could still hit you, a pedestrian, with their cars.
You can Retain the risk. Basically, this means you own the car and you don’t have any insurance. Shit happens, you pay for it. A digression, but some states actually have laws in place for this – if you’re rich enough to conceivably pay all your own loss bills, you can prove it by putting up a $50,000 bond with the state insurance board, and then you are formally excused from having to buy insurance.
You can Reduce the risk. Buy a very safe car, follow all traffic laws, drive very seldom. You can minimize your risk this way, but you haven’t eliminated it, so there’s still the chance of a serious loss, especially because there are other people on the roads and some of them are careless and stupid.
So here we have three methods of managing risk. One only works for the super rich. The other two are far from foolproof. So what the hell are we supposed to do, so that a car accident, which happens every day, doesn’t cause such a catastrophic financial event that we’re in debt for the rest of our lives because we missed a stop sign?
That’s why insurance exists. Insurance is a manifestation of the final and most successful method of managing risk: TRANSFER.
When you transfer your risk, someone else agrees to share that risk of loss with you. You both help insulate one another against loss. When large communities pool their risk, the entire community has better financial stability and better protection against catastrophic loss. Yes, it means some people may pay for a service they never use, but they are part of the community too. What helps the community helps them, whether they recognize it or not.
For instance, let’s say that it wasn’t required to buy car insurance to drive (I’m aware that in at least one state it’s not, just bear with me please, and don’t all look at New Hampshire at once, it’s rude and they might shoot you). Buying car insurance is an absolute choice. Only those who actively choose to pool their risk do so. Think about how much they would have to pay if only a few people were members of the pool. Think about the rates we’d have to charge to ensure these people were covered in the event of a catastrophic loss.
When EVERYONE pays a little, EVERYONE pays less. That’s a fundamental aspect of risk transfer.
Now we’ve been talking about auto insurance, which is my wheelhouse. But let’s talk about Health Insurance.
Every single person here has a human body. BEING ALIVE exposes us to health risks, and there is no Avoiding it. Only the truly wealthy can afford to Retain that risk but thanks to the fuckery of various incarnations of our government, many of us are FORCED to, and as a result, if we suffer a catastrophic loss, we are helpless in the face of exactly the sort of life-destroying debt and retribution that insurance exists to insulate us from! Sure we can reduce the risk in a few ways, by trying to be healthier, but many conditions are hereditary and some people just plain don’t have that fucking option – they were born broken and they’ll always be broken and they are not served in any way by others telling them “JUST DRINK MORE WATER”.
The ONLY REASONABLE METHOD of managing health risk is widespread transfer. It’s creating a massive pool into which everybody pays a little, so the money is there when someone needs a lot. And if you don’t believe me, look at the other countries that are doing this successfully and waving it in our goddamn faces because fucking Americans can’t get our act together.
Now you have read a handy primer on what the fuck insurance is, why it’s necessary, and how it works. Please spread this like wildfire, because ignorance hurts everybody, kind of like how really fucking expensive opt-in health insurance hurts everybody except people who were already rich enough not to need it.
So… put in these words… (correct me if I’m wrong- I’m kind of making a mental leap and a lot of the insurance stuff was never actually explained to me.)
Insurance already works on a socialist model of co-operative payment. You pay your share, and if you don’t use your share it goes towards a possible emergency in the future OR someone else’s emergency. Which is why it’s important to have as many people in as possible- because it (in a perfect world) would lower the cost.
Am I understanding this right? That the phrase ‘socialized healthcare’ is kind of a redundancy?
Yes, you are understanding it right. The entire concept of insurance is based on socialized transfer of risk to remove the burden from individuals so that everyone can actually be covered.
That is LITERALLY the entire point.
If only one person is paying into the insurance pool, and that person has a $20,000 loss, then that person has to pay the $20,000, whether or not they can afford it. The insurance company, to make sure they have the money to indemnify (a word that means ‘restore to their condition prior to the loss’ or ‘make whole’) that person, has to collect $20,000 in premiums in order to pay out on that $20,000 loss.
If 20,000 people are paying into the insurance pool and someone has a $20,000 loss, then all those people only have to pay one dollar. The Insurance company would only have to collect $1 from those 20,000 people in order to cover that $20,000 loss.
The way insurance premiums work is the insurance company looks at loss information. Sometimes they purchase studies and reports from third parties who literally exist to do NOTHING ELSE but track certain kinds of loss. They figure out how much of that loss they will be financially responsible for in a given fiscal year, as well as their administrative costs, and they divide that number by the number of people paying premiums. That’s how you get your insurance premium. It’s literally called the Law of Large Numbers – we figure out how much we have to charge you by figuring out how much risk we’re taking on by studying thousands of people who are, in this case, driving cars and having accidents.
If, for example, in Tornado Valley the number of claims for hail damage have gone up thirty percent since last year, then we will have no choice but to charge 30 percent more for the coverage that pays for hail damage to your car. Car insurance costs have gone up recently because more people are texting while driving, so the number of accidents have gone up sharply. Car insurance costs have gone up recently because medical payments have increased in cost, and we also cover that. Car insurance costs have gone up because a bumper that used to cost $200 to fix now contains sensors and back-up cameras that cost $5000 to fix.
If we didn’t rate for that, you’d be on the hook for all those increased costs… not indirectly, by a relatively small increase in your premium, but DIRECTLY, to the tune of thousands of dollars.
There are arguments to be made about American healthcare and how it’s tantamount to price gouging. There are also arguments to be made about how if you’re extremely wealthy, you should contribute more to the insurance pool than people who are making very little money (which would occur anyway, we hope, because health insurance is contributed to through taxes, not through private companies charging premiums). But the fact remains that the very institution of insurance RELIES on huge pools of people paying in so that nobody is financially destroyed by a loss.
Excellent commentary/explanation.
Diversion: I find it ironic that the people who were explicitly told by their leader to love their neighbours are, in 2017 America, the ones most likely to insist on cutting their neighbours loose because “this is my money, I earned it, they didn’t, they don’t deserve it”.
Oh my god I just realized, none of them understand this because none of them paY FOR THEIR OWN FUCKING HEALTH INSURANCE
u can tell when someone is picked up yall through some form of cultural osmosis and uses it sparingly & when someone is a southerner and uses it eleven times per thought even if the word is not applicable to the situation
Sketch commission of Valenth’s dragon form by Koijreru on dA. Sadly had to snip the wings a little because of tumblr’s weird format, but the full resized version can be found right over here!
Y’all seriously need to learn to fact check things you see on here.
1.) it wasn’t Disney who turned down Coco but DREAMWORKS.
and to those who STILL erroneously insist that Disney/Pixar turned down The Book of Life
2.) People getting mad at this:
Marigolds are traditional to our culture as well as to the holiday, ESPECIALLY in petal form. Not the best example but that’s like getting mad at different Christmas movies for using mistletoe.
3.) “Oh it’s the same plot.” Has anyone looked up the plot for this movie other than outright bashing it from the trailer? “The footage, raw though it may be, spun a compelling story about Miguel, a sweet kid who loves music despite the fact that his abuelita banned music long ago, thanks to an ancient drama involving Miguel’s great-great-grandfather—a dashing musician—who walked out on the family. That musician, Miguel discovers at the start of the film, is his town’s most famous son: deceased film star and music supernova Ernesto de la Cruz. On the eve of Día de Muertos, Miguel breaks into de la Cruz’s mausoleum in order to borrow the famous skull guitar that hangs there so that he can enter a talent competition and convince his family to embrace music again. Once Miguel touches the guitar, he becomes something of a living ghost. His family can no longer see him, but Miguel can now see all of his dead ancestors—who look like fantastically decorative skeletons—crossing over a bright bridge made of marigold flower petals from the Land of the Dead. Looking for help and answers, Miguel travels to the Land of the Dead—a dazzlingly vibrant, stacked metropolis inspired by the Mexican city of Guanajuato—himself and sets off an adventure with trickster skeletal companion Hector to find the rest of his family, de la Cruz, and the answer to how he can fix this curse.” You know how insistent Pixar is on always making original films. So don’t you think that they would continue that?
4.) “But the white director who thinks he knows everything because he’s been to Mexico.” That’s right, a white person who is not of Mexican/Latinx culture can not truly KNOW our culture simply by visiting it. And Lee Unkrich knows this fact. Which why he assembled a group for the sake of making sure the movie is culturally accurate, rather than him taking on that role
you know, a team of actual latinx. Including someone who was a huge critic of Coco, and is a critic of Disney, Lalo Alcaraz. He is most famously known for his response to the action of Disney attempting to trademark Dia de los Meurtos (which will be our next point). It’s not Alcaraz selling out. It’s him working together with the movie so it’s not just Disney trying to bring in more Latinx fans but rather creating what Unkrich’s true mission: “a love letter to Mexico.” This team along with many other Latinx creatives (like Adrian Molina who was originally just a writer and then promoted to co-director) and a fully latinx cast (again, as insisted by Unkrich), are working together to make it a Latinx piece of media. ( http://www.vanityfair.com/hollywood/2016/12/pixar-coco-gael-garcia-bernal-dia-de-los-muertos-miguel )
5.) We all know and got rightfully angry at Disney for attempting to trademark Dia de los Muertos. This was due to the similar original name the movie had. As expected, it received intense backlash to which Disney quickly revoked the request to trademark. Unkrich was the first to vocalize that this was a mistake. This even leading to that point most likely has to do with him being a white man not of our culture, but this humbling experience is what really knocked that message into him and he began recruiting people like the ones in the above point to make sure that the movie itself is true to the people, culture, and holiday, in ways he himself could never fully grasp.
6.) It’s about the Day of the Dead like The Book of Life. My response to this is easy: look at how many movies are there about Christmas, Halloween, Easter, Valentine’s day, Saint Patrick’s day, etc.
7.) Gutierrez himself doesn’t want it to be a competition but as two wonderful films about one aspect of Latinx that will hopefully lead to more in the future.
I love The Book of Life, and is one of my favorite movies if I’m being honest. When it first came out I was filled with such pride and joy for many reasons. One of course for it being a gorgeously rendered film, but for it being such a positive and beautiful representation and celebration of Mexico. As someone who grew up only seeing white main characters, with people like my family and I as only side characters, it brings me such joy to see more media being produced in which Mexicans are the focus along with our culture (which is agreeably much more diverse than what is being tapped into). We still got a long way to go as Mexico is still only one group of Latinx culture, but we are witnessing the stepping stones of Hollywood beginning to reach out and representing this community by working with people of those cultures. The Book of Life will always have a special place in my heart, but I’m not letting my love of that movie keep me from supporting Latinx creators that are putting out Coco. I’m finally getting the representation that I craved as a kid and loving it.
