Private insurance companies (so not windstorm alliances, like we have in Texas, or government flood insurance) have to, by law, make more money in premiums than they pay in claims. So they have to design a package of coverages that provides payment for named perils in such a way they can charge a reasonable rate and…

I would pay $18,500 more under Sanders’ plan than current, slightly more under Hillary’s, and a lot less under Trump’s and Cruz’s.

There’s no way Sanders’ plan would offset $18,500 in other ways for my family. The biggest offset would be medical, and we don’t spend anywhere near that, even with premiums.

And this is where our multi-faceted private insurance, public insurance (Medicare/Medicaid), no insurance system has messed things up. For every private insurer/public insurer a patient may have, there’s a different price. So, quite literally, medical providers don’t really know what something will cost until they…

More Democratic Socialist-leaning countries, even the ones that are a part of NATO and, therefore, supposed to be spending certain amounts on their militaries, have over the last few decades re-directed their spending from defense- relying on the U.S. to provide whatever protection they’ll need- to domestic…

I have Ulcerative Colitis- mild to moderate, mostly treatable with medication. I have to have a colonoscopy ever 12-24 months, even though I’m under 40, in order to keep an eye on my condition. This is what’s generally referred to as a surveillance colonoscopy. The ACA made preventative medicine and procedures 100%…

Obviously Vettel has to be a significant part of the RBs winning. For one, as Mark always had, essentially, the same car, never achieved anywhere near the success of Vettel. For another, now that he’s driving for Ferrari, who’ve had a substandard car, he’s been one of the few drivers to consistently push the Mercedes,…

As I understand it, the GT350/R match up better with the Z/28, while the ZL1 should match up with a possibly down-the-pipe GT500, right? There have been rumors, for a while now, of a forced induction 5.0 pushing something in the 650-750 range.

Hell, they won’t even let me through security with a nail file...

Yep. And check out the tapering for the child care credit/deduction. I spent nearly $10K on child care last year, so I and my wife could both work, got to claim like $1,400.

Welcome to being “rich,” at least according to the IRS.

The attorney is laying the foundation for a “negligent entrustment” cause of action. The driver is covered by the company’s liability insurance policy- likely with $1M limits. The driver ran a red light. Breaking the law. Generally, speaking, all things equal, a company isn’t explicitly liable for its employees…

I’m a salaried lawyer. If I work more hours, I can bill more hours and get more work done, which sorta leads to a larger bonus at the end of the year. I’m one of the specifically defined groups of workers ineligible for overtime pay by law. I have a boss whose generally in the office before 7, has been doing this for…

Ever notice the signs in stores warning video surveillance is ongoing?

I’m a lawyer in Texas...

Reading Florida Statutes, Chapter 934, Section 03:

FYI, recording the conversations of valet/his passenger, even in your own car, likely violates wiretapping laws. A lot of states are one-party consent states, such that you can record your own conversation with someone else, because you know about it and, ostensibly, granted your permission. Two valets, however,…

I’m a fairly young attorney, who only recently got into litigation, and have found myself regularly arguing issues in front of a judge, often with a far more experienced attorney arguing the counterpoint. Several of these points have been helpful- preparation is key. I make sure I always know the subject of my…

We already have plenty of schools with trained, armed security guards. Many schools, though, can’t afford to hire said armed guards. So what if teachers who so choose, go through the same training, become licensed, and are allowed to carry on school premises? How would that be a bad idea? One of the reasons school…

The middle class, nationwide, has shrunk 11% since 1971, with 4% going to the lower class and 7% going to the upper class...seems like a fair trade-off, to me. Almost twice as many of those who are no longer middle class are now rich, than poor.

http://reason.com/blog/2015/12/1…

It’s the math. The rear tires are 345/30-20", giving them a circumference of 88.4". With the petrol-engine redline of 8250/minute, gear-ratio of 2.73:1, you get revolutions of ~3022/minute at the rear wheels (8250/2.73) and, with 88.4" of circumference, that’s 267,142.857 inches per minute (3022*88.4), or 22,261.905…

I would say, accepting the piece you reference at face value, no. The Regera, while insanely expensive and stupid fast, also pushes the envelope of automotive tech. There is a possibility, albeit remote, that some of the technology developed for this car, subsidized by its sale price, justified by its performance, may…

Lol, Poors. Seriously, though, I live in the 7th largest city in the country, and the rent in a 2300 sq. ft. 3br/2.5ba house is $1,500. I like NY, but I wouldn't want to live there.