8.20.2018

Reality Bites



Dow Rises to Highest Level Since February

Excerpt:

The Dow Jones Industrial Average rose to its highest level since early February on Monday, lifted by investor optimism about deal activity and trade developments. .... 

“The signal that we can take away from that is that sentiment has not been hit sufficiently by the trade uncertainty that it puts business decisions in question,” said Gabriela Santos, global market strategist at J.P. Morgan Asset Management.

The Dow industrials climbed 89.37 points, or 0.3%, to 25758.69—their highest close since Feb. 1. The S&P 500 added 6.92 points, or 0.2%, to 2857.05, bringing it 0.6% below its January record. The tech-heavy Nasdaq Composite edged up 4.68 points, or less than 0.1%, to 7821.01. The trio of indexes has climbed in three straight sessions.

Stocks tied to commodities and global growth lifted large indexes, with the materials, energy and industrials sectors ranking as the S&P 500’s best performers. Investors are now waiting to see if the S&P 500 can set a new high after the index came within 0.5% of that level earlier this month.
Another epic economic collapse is coming

Excerpt:

This Wednesday, according to the Financial Times' Robin Wigglesworth and Nicole Bullock, "the U.S. stock market will officially have enjoyed its longest-ever bull run" -- one that rises 20 percent from its low, until it drops 20 percent from its peak. And Sept. 15 will be the 10th anniversary of the collapse of Lehman Bros., the fourth-largest U.S. investment bank. History's largest bankruptcy filing presaged the October 2008 evaporation of almost $10 trillion in global market capitalization. 

The durable market rise that began March 6, 2009, is as intoxicating as the Lehman anniversary should be sobering: Nothing lasts. Those who see no Lehman-like episode on the horizon did not see the last one.

Economists debate, inconclusively, this question: Do economic expansions die of old age (the current one began in June 2009) or are they slain by big events or bad policies? What is known is that all expansions end. G od, a wit has warned, is going to come down and pull civilization over for speeding. When He, or something, decides that today's expansion, currently in its 111th month (approaching twice the 58-month average length of post-1945 expansions), has gone on long enough, the contraction probably will begin with the annual budget deficit exceeding $1 trillion.
Comment: It's just a matter of time ...

Then (source)


Updated - 8/21









Update on 8/22: Bull Market Hits a Milestone: 3,453 Days.

The "pain in the *ss" Highlights for Children Apps

Highlights for Children Apps

Apparently downloading them subscribes one (can be canceled). I called and tried to unsubscribe but was unable to. Awaiting a call back.

FAQ's

Two Brothers, Two Birthdays, Two Trucks





8.19.2018

69th Birthday Photos














Birthday Blitz


  • 2nd or 3rd win today while waiting for birthday party guests to arrive
  • The 69 year old brain still works (but you never see my losses!)

8.17.2018

Checkmate


  • Lazy day 
  • Had breakfast with a pastor (not my church) and his singular deacon at Panera Bread in Maple Grove. A consultation.
  • My left ankle is sore and weak today
  • Mowed before lunch
  • Cat not feeling well but finally got comfortable and soundly asleep on my lap
  • Quick chess game. I controlled the middle and opened the left flank and advanced Pawn in A column. Got up by one Rook and promoted the Pawn to Queen
  • The rest was history
  • I only post Chess wins and only the unique ones.
  • I lose most games

Draw - I hate it when this happens!


  • Equal material
  • Equal advantage
  • Were I Black, I would have have tried to advance the Pawn in the H column. Perhaps moved Rook F8 to F7 to force exchange of Rooks ... then advanced Black King from G8 to G6 (2 moves) to protect the H column

8.09.2018

My 70th Year



Lord willing, I will turn 69 on August 19th. This year I intend to periodically blog about being in my 70th year and what the Lord is doing in our lives! Note the tag "70". Click that tag and follow along. I have some exciting news ... I cannot make it public today, but will by the end of the month. Let's just say ... big changes ahead. It's great to be alive! My life is not boring.



Comment: Logo source ... modified with Pixlr  This Hashtag on Twitter

1st news:

  • I had a through physical this week and ...
    • Heart & lungs & circulation good!
    • I've lost 21 lbs since October 2017
  • I start my 4th year at the seminary on August 21st. It's mostly social with some mundane work, but it gets me out of the house 3 days a week

8.04.2018

65 House Races



65 races will decide the House. Here's how Democrats could take control.

Image source

8.03.2018

A worldview poster



Interesting Soviet era poster: Yuri Gagarin in space and smilingly observing "There is no god"

8.02.2018

Hyperbolic Rhetoric over the 3D Gun



Federal judge blocks US release of 3D-printed gun blueprints

Excerpt:

Bob Ferguson, Washington state’s attorney general, released a statement announcing the lawsuit and warning of the potential threat to public safety brought by printable guns. “These downloadable guns are unregistered and very difficult to detect, even with metal detectors, and will be available to anyone regardless of age, mental health, or criminal history,” he said. “If the Trump administration won’t keep us safe, we will.” Washington state is joined by Massachusetts, Connecticut, New Jersey, Pennsylvania, Oregon, Maryland, New York, and the District of Columbia.
NRA position: NRA Statement on 3-D Printers and Plastic Firearms

Excerpt:

“Many anti-gun politicians and members of the media have wrongly claimed that 3-D printing technology will allow for the production and widespread proliferation of undetectable plastic firearms. Regardless of what a person may be able to publish on the Internet, undetectable plastic guns have been illegal for 30 years. Federal law passed in 1988, crafted with the NRA’s support, makes it unlawful to manufacture, import, sell, ship, deliver, possess, transfer, or receive an undetectable firearm.”
CATO Institute position: Judge Issues Temporary Restraining Order Against Blueprints for Homemade Muskets

Excerpt:

This is a deeply silly order. People have been making guns out of various objects for centuries. Watch this video of someone making a shotgun out of two pieces of commonly available tubing. [video in article] ... 3D-printed guns are little better than those zip guns. The Libertor is a one-shot pistol that, if it works, fires a low-powered bullet with an effective range of maybe 20 feet. More often, it might just explode in your hand.
ATF Position: Does an individual need a license to make a firearm for personal use?
No, a license is not required to make a firearm solely for personal use. However, a license is required to manufacture firearms for sale or distribution. The law prohibits a person from assembling a non–sporting semiautomatic rifle or shotgun from 10 or more imported parts, as well as firearms that cannot be detected by metal detectors or x–ray machines. In addition, the making of an NFA firearm requires a tax payment and advance approval by ATF. [18 U.S.C. 922(o), (p) and (r); 26 U.S.C. 5822; 27 CFR 478.39, 479.62 and 479.105]
My own take: 3D-printed guns might be inevitable. But are they a practical weapon of choice for criminals?
Some 3D print experts said that even if Wilson wins his battle, the plastic gun is, at least at this point, not a practical weapon. “It’s not feasible to print a 100% 3D-printed gun, because the plastic that is being printed that is used here is not strong enough to withstand a barrel or the explosion from a bullet,” said Michael Flynn, who runs a year-old 3D printing business in Fort Worth, Texas. As the latest chapter in America’s battle over gun control unfolds, the use of 3D printing technology for manufacturing reliable firearms is still very much a work-in-progress and a pricey endeavor. Industrial 3D printers cost $20,000 to $100,000, and many companies that rent use of their printers explicitly prohibit users from manufacturing weapons.
See for example (this is legal):

Crushing Dominance


The key of this game was the Knight protected by two Pawns. I slowly picked off Pawn by Pawn and traded one Rook for Rook. The Queen on the board was a promoted Pawn as I previously had traded Queen for Queen. Several moves before there was a Pawn at E2 that protected the King's left flank - that Pawn also was protected by the Knight. As you consider this board see now the Knight is protecting the Pawn at D3, the Rook at G6 and the Queen as she moved in for the kill!

The Next Recession - What could Trigger it?



What Will Cause the Next Recession? A Look at the 3 Most Likely Possibilities

Excerpt:

The economic expansion in the United States celebrated its ninth birthday last month. If it survives another year, it will be the longest on record. But eventually something will kill it. The question is what, and when. While it’s impossible to predict the details or timing of the next recession with any confidence, we can identify some emerging threats to the expansion — and with a bit of imagination, picture how the recession of 2020 (or 2022, or whatever year it ends up being) may unfold.
  1. The Fed: "The risk that the Fed will miscalibrate interest rate policy and cause a slowdown or a recession is rising, in part because of the timing of the tax cuts and spending increases enacted this year"
  2. Debt: "Corporations have loaded up on debt over the last decade, spurred by low interest rates and the opportunity to increase returns for shareholders. The value of corporate bonds outstanding rose by $2.6 trillion in the United States between 2007 and 2017, according to data from the McKinsey Global Institute — rising to about 25 percent of G.D.P. from about 16 percent."
  3. Trade War: "For the trade war to trigger a recession, then, it would need to escalate to a much larger scale than the limited tariffs on steel, aluminum, solar cells, washing machines and $34 billion in Chinese products currently covered. Even if it were to expand to encompass hundreds of billions of dollars worth of imports, as President Trump has threatened, in order to cause a recession it would need to prompt a broader crisis of confidence."
Comment: What else?

  • Real war: China ... Iran ... North Korea ... Russia ... Middle East
  • Political turmoil at home
  • The national debt


Related: My money is on this one (below):

7.31.2018

The Democratic Class of 2020











The 2020 Dem Class Is Already Frantically Making Moves Behind the Scenes

Excerpt:

The first Democratic primary contest won’t be held for another 18 months. But the campaign for the attention of prospective Democratic primary voters, as exemplified by the Garcetti flirtation offensive (he also, a source said, has held at least one private meeting with members of a top, Democratic-leaning D.C. law firm), is well underway.

Already, a slew of those likely to populate a very crowded Democratic primary field have taken the time-honored step of writing a book that reflects their biography and world view while also allowing them to go on tour to test drive a message to voters.

Senators Bernie Sanders (I-VT), Kamala Harris (D-CA), and Kirsten Gillibrand (D-N.Y.) have books scheduled to be published almost immediately after the 2018 midterm elections. Former Vice President Joe Biden has spent the better part of this year on a nationwide book tour. Rep. Seth Moulton (D-MA) announced that his book about his military service in Iraq that will be released in early April 2019. A few weeks before that, Rep. Tulsi Gabbard (D-HI) is set to release her political memoir, according to one person familiar with the book.

.... Since early June, Sen. Cory Booker (D-NJ) has appeared on CNN and MSNBC over a dozen times to discuss everything from issues of the day to the broader state of the Democratic party. Booker did just four cable news interviews during this same part of last year.

Sen. Elizabeth Warren (D-MA), who for years refused to answer questions from reporters in the halls of congress, has begun appearing regularly on MSNBC during primetime and even daytime hours. And on three separate occasions this year, the Massachusetts Democrat sat for interviews on Trump’s favorite television network, Fox News. The hits were ostensibly to talk about major topics of interest (the scandal at Equifax and marijuana law reform), but they had the secondary effect of softening her image within a hostile crowd.
Comment: Too early? Images grabbed from the Internet. Anyone care to handicap them? Meanwhile in the NY Times:


How Trump Won Re-election in 2020 - A sneak peek at the Times’s news analysis from Nov. 4, 2020.
Donald J. Trump has been decisively re-elected as president of the United States, winning every state he carried in 2016 and adding Nevada, even as he once again failed, albeit narrowly, to gain a majority of the popular vote. Extraordinary turnout in California, New York, Illinois and other Democratic bastions could not compensate for the president’s abiding popularity in the states that still decide who gets to live in the White House: Ohio, Pennsylvania, and Florida. Yet, unlike 2016, last night’s outcome came neither as a political upset nor as a global shock. Mr. Trump and Vice President Mike Pence have consistently polled ahead of Senator Elizabeth Warren of Massachusetts and her running mate, Senator Sherrod Brown of Ohio, since July. The New York Times correctly predicted the outcome of the race in every state, another marked change from 2016.
How Trump Lost Re-election in 2020 - A sneak peek at The Times’s news analysis from Nov. 4, 2020.
Exit polls showed disillusionment across the swing states that Trump won four years ago and lost this year, including Wisconsin, Michigan and Pennsylvania. In a sign of the country’s changing political map, he held on to Ohio and Iowa, two relatively old and white states — but became the first Republican since 1992 to lose Georgia.

Huge margins among women were central to the victory of Warren, who will become the country’s first female president. “I’m just tired of him,” said Jennifer Diaz, a 47-year-old from Cobb County, Ga., outside Atlanta.

Heading into the campaign, Trump’s advisers believed they had two major advantages: the economic growth of the past four years and the undeniable liberalism of Warren and her running mate, former Attorney General Eric Holder. Neither panned out as the Trump campaign had hoped.

For one thing, solid G.D.P. growth — similar to the rate during Obama’s second term — has not translated into middle-class income gains. Average income growth, post-inflation, has hovered near zero since early 2018.

Warren’s liberalism, meanwhile, did make some voters anxious, exit polls showed. But most swing voters do not follow the minutiae of policy debates, and many simply decided that she understood their problems better than Trump.

She and Holder consciously borrowed from the populist strategy of Obama’s 2012 campaign against Mitt Romney. Rather than emphasize Trump’s personal behavior, as the 2016 Clinton campaign did, they cast him as a greedy billionaire who corruptly used the presidency to enrich himself further. They also largely ignored Trump’s repeated criticisms of the ongoing N.F.L. national anthem protests
My take: Joe Biden! (I know it is way too early) And Biden beats Trump! If it's "It's the Economy Stupid!" ... then Trump!

Racism and other "ism's"



Undoing the Dis-Education of Millennials

Excerpt:

We will have to pull out all of the weeds in your mind as we come across them. Unfortunately, your mind is full of weeds, and this will be a very painful experience. But it is strictly necessary if anything useful, good, and fruitful is to be planted in your head.

There is no formula for this. Each of you has different weeds, and so we will need to take this on the case-by-case basis. But there are a few weeds that infect nearly all of your brains. So I am going to pull them out now.

First, except when describing an ideology, you are not to use a word that ends in “ism.” Communism, socialism, Nazism, and capitalism are established concepts in history and the social sciences, and those terms can often be used fruitfully to gain knowledge and promote understanding. “Classism,” “sexism,” “materialism,” “cisgenderism,” and (yes) even racism are generally not used as meaningful or productive terms, at least as you have been taught to use them. Most of the time, they do not promote understanding.

In fact, “isms” prevent you from learning. You have been taught to slap an “ism” on things that you do not understand, or that make you feel uncomfortable, or that make you uncomfortable because you do not understand them. But slapping a label on the box without first opening the box and examining its contents is a form of cheating. Worse, it prevents you from discovering the treasures hidden inside the box. For example, when we discussed the Code of Hammurabi, some of you wanted to slap labels on what you read which enabled you to convince yourself that you had nothing to learn from ancient Babylonians. But when we peeled off the labels and looked carefully inside the box, we discovered several surprising truths. In fact, we discovered that Hammurabi still has a lot to teach us today.

One of the falsehoods that has been stuffed into your brain and pounded into place is that moral knowledge progresses inevitably, such that later generations are morally and intellectually superior to earlier generations, and that the older the source the more morally suspect that source is. There is a term for that. It is called chronological snobbery. Or, to use a term that you might understand more easily, “ageism.”

Second, you have been taught to resort to two moral values above all others, diversity and equality. These are important values if properly understood. But the way most of you have been taught to understand them makes you irrational, unreasoning. For you have been taught that we must have as much diversity as possible and that equality means that everyone must be made equal. But equal simply means the same. To say that 2+2 equals 4 is to say that 2+2 is numerically the same as four. And diversity simply means difference. So when you say that we should have diversity and equality you are saying we should have difference and sameness. That is incoherent, by itself. Two things cannot be different and the same at the same time in the same way.

Furthermore, diversity and equality are not the most important values. In fact, neither diversity nor equality is valuable at all in its own right. Some diversity is bad. For example, if slavery is inherently wrong, as I suspect we all think it is, then a diversity of views about the morality of slavery is worse than complete agreement that slavery is wrong.

Similarly, equality is not to be desired for its own sake. Nobody is equal in all respects. We are all different, which is to say that we are all not the same, which is to say that we are unequal in many ways. And that is generally a good thing. But it is not always a good thing (see the previous remarks about diversity).

Related to this: You do you not know what the word “fair” means. It does not just mean equality. Nor does it mean something you do not like. For now, you will have to take my word for this. But we will examine fairness from time to time throughout this semester.

Third, you should not bother to tell us how you feel about a topic. Tell us what you think about it. If you can’t think yet, that’s O.K.. Tell us what Aristotle thinks, or Hammurabi thinks, or H.L.A. Hart thinks. Borrow opinions from those whose opinions are worth considering. As Aristotle teaches us in the reading for today, men and women who are enslaved to the passions, who never rise above their animal natures by practicing the virtues, do not have worthwhile opinions. Only the person who exercises practical reason and attains practical wisdom knows how first to live his life, then to order his household, and finally, when he is sufficiently wise and mature, to venture opinions on how to bring order to the political community.

One of my goals for you this semester is that each of you will encounter at least one idea that you find disagreeable and that you will achieve genuine disagreement with that idea. I need to explain what I mean by that because many of you have never been taught how to disagree.

Disagreement is not expressing one’s disapproval of something or expressing that something makes you feel bad or icky. To really disagree with someone’s idea or opinion, you must first understand that idea or opinion. When Socrates tells you that a good life is better than a life in exile you can neither agree nor disagree with that claim without first understanding what he means by “good life” and why he thinks running away from Athens would be unjust. Similarly, if someone expresses a view about abortion, and you do not first take the time to understand what the view is and why the person thinks the view is true, then you cannot disagree with the view, much less reason with that person. You might take offense. You might feel bad that someone holds that view. But you are not reasoning unless you are engaging the merits of the argument, just as Socrates engaged with Crito’s argument that he should flee from Athens.xxx So, here are three ground rules for the rest of the semester.
  1. The only “ism” I ever want to come out your mouth is a syllogism. If I catch you using an “ism” or its analogous “ist” — racist, classist, etc. — then you will not be permitted to continue speaking until you have first identified which “ism” you are guilty of at that very moment. You are not allowed to fault others for being biased or privileged until you have first identified and examined your own biases and privileges.
  2. If I catch you this semester using the words “fair,” “diversity,” or “equality,” or a variation on those terms, and you do not stop immediately to explain what you mean, you will lose your privilege to express any further opinions in class until you first demonstrate that you understand three things about the view that you are criticizing.
  3. If you ever begin a statement with the words “I feel,” before continuing you must cluck like a chicken or make some other suitable animal sound.
Comment: I've been called a racist ... just today for example (below). Several years ago for supporting the policeman in the Ferguson case (that has been thoroughly investigated, by the way). Today (and yesterday) for supporting the police in the Blevins case (see below):



As an aside - my family shed blood to end slavery!

7.29.2018

Come from behind Win!


Comment: I lost my Queen early. Look at the material on the board: Black is ahead on Pawns (7 to 5) and, equal with Rooks (1 to 1) has a Queen to my Knight. I don't recall ever coming from behind to win (or at least this far behind)! A war of attrition wouldn't have worked for me!

Note similarity to this earlier win 

Reality Check: Medicare for all is a socialist’s dream





Medicare for all is a socialist’s dream — and an American Nightmare

Excerpt:

we know exactly what Medicare for All would look like.

First, it would be unfair. Forty-four million Americans paid for their Medicare benefits by contributing for 40 years or more into the Medicare Trust. The rest of the American public did not contribute their fair share, so why should they be given for free what others paid dearly for?

Second, even in its present form, Medicare isn’t sustainable. The Congressional Research Service reports the Medicare Trust Fund will be insolvent in less than 10 years. When that happens, Medicare will be broke and seniors will not get the care they need. Why would anyone want to extend the problem of no-care to everyone?

Maybe when candidates such as Ocasio-Cortez promote Medicare-for-All, they’re looking for a system where the government provides health insurance to all for no charge. But wait! We already have such a system. It’s called Medicaid. Maybe supporters of Medicare-for-All are really advocating Medicaid-for-All.

Medicaid is a failure. Because mandates from Washington dictate how the states spend their money, states are not in control of the largest single item in their budgets. And because Medicaid spending comes first, other state priorities must accept the leftovers. Worst of all, Medicaid provides inadequate access to care and instead of making people healthy, Medicaid has caused unnecessary suffering and even death.

Let’s face it, Medicare-for-All is really code for government controlled, single-payer healthcare. After all, England and Canada appear to have successful single-payer systems. Why shouldn’t it work here? 

It all depends on how you define success. The British and the Canadians pay a very high cost for their systems, and not only in monetary terms. Single-payer health care systems take away individual choice, they discourage life-saving research and innovations, and they exchange quality of care for a balanced budget

And there are heart-breaking cases such as Alfie Evans and Charlie Gard — babies in Great Britain who were left to die at the behest of the government. In the National Health Service, the government has the final say in all medical decisions — not patients or their families.

Americans, even those who respond favorably to polls about a vague Medicare-for-All system, would never stand for that.

There is death-by-queueing in single payer systems, where sick persons die from treatable conditions because they could not get care in time and succumb “waiting in line” for care. You don’t even have to go outside the U.S. to see these avoidable deaths. In our own single payer or Medicare-for-All system, the VA, “307,000 veterans may have died waiting for medical care.” 

Medicare-for-All, aka government-controlled healthcare, is precisely what we don’t want. It will either deny us the care we need or land our nation in bankruptcy court. Most people thought the cost of Obamacare, $1.34 trillion, was excessive, but that’s peanuts compared to the $18 trillion price tag for Bernie Sanders’ — and Alexandria Ocasio-Cortez’s — Medicare-for-All.

Instead of government-controlled, insurance-dominated healthcare, we need to return to our roots, to what made our country great: the free market. In 2017, the U.S. spent $3.4 trillion on healthcare for 323 million Americans, or $10,526 for every man, woman and child. Imagine if every family of four put $42,105 in an HSA every year! and simply shopped for and paid for their health care. No government stealing our money to pay its bureaucracy. No insurance company delaying or denying care. Just the old but right doctor-patient relationship with no one and nothing in between.
Comment: We are on Medicare. Fact ... if you don't have Medicare supplement plan, your out of pocket would sink you!

Contrarian view:
Another view:


7.28.2018

Discovered Check by King and Mate



The "Discovered Attack"

Note handy tool = Animated GIF maker

China: a Trade War is "like a drinking contest at a fraternity"



Excerpt:

China is beginning to realize that trade war isn’t really war. It’s more like a drinking contest at a fraternity: the game is less inflicting harm on your opponent than inflicting it on yourself, turn by turn. In trade wars, nations impose burdensome import tariffs on themselves in the hope that they’ll be able to stomach the pain longer than their competitor.

Why play such a game? Because a carefully chosen act of self-harm can be an investment toward a worthy goal. For example, President Reagan’s arms race against the Soviet Union in the 1980s was in some sense a costly self-imposed tax. But it turned out the U.S. could bear the burden better than the Soviets could—Uncle Sam eventually out-drank the Russian bear and won the Cold War.

The U.S. will win the trade war with China in the same way. The PBOC’s statements show that the Chinese understand they are too vulnerable to take very many more drinks. The only question is what they will be willing to offer Mr. Trump to get him to take yes for an answer. No wonder Beijing has ordered its state-influenced media to stop demonizing Mr. Trump—officials are desperate to minimize the pain when President Xi Jinping has to cut the inevitable deal.

The drinking-contest metaphor takes us only so far. The wonderful thing about reciprocal trade is that it is a positive-sum game in which all contestants are made better off. If the conflict forces China to accept more foreign investors and goods, comply with World Trade Organization rules, and respect foreign intellectual property, it may feel it has lost but will in fact be better off. With this openness, both economic and political, China could spur a decades long second wave of growth that would bring hundreds of millions still living in rural poverty into glittering new cities.It took Nixon to go to China and show it the way to the 20th century. Now, through the unlikely method of trade war, Donald Trump is ushering China into the 21st century.
Comment: Images: Karen Allen as Marion Ravenwood in Raiders of the Lost Ark - in that character's own drinking contest!


34 Ethical Issues All Christians Should Know



34 Ethical Issues All Christians Should Know


Comment: Helpful. Image source

7.27.2018

"I just saved a bunch of money by switching genders."


By Navigator84 - Own work, CC BY-SA 4.0, Link


Excerpt:

A man in Alberta, Canada, tells the CBC that he wanted to buy a new Chevy Cruze, but being a male and in his early 20s, and with a less-than-perfect driving record, he was shocked at the cost of insurance — he was quoted $4,500 a year.

So he became a woman.

OK, biologically he remains a man. There were no surgeries and he doesn't literally identify as female. But the man, named by the broadcaster only as David, says he changed his gender to female on his government-issued identification. Wait, how's that? "I have taken advantage of a loophole," he says. More on that in a moment.

He got the idea when, stunned by that $4,500 quote, he asked the insurance agent what coverage would cost if he were a woman. The answer: $3,400.

"I was pretty angry about that. And I didn't feel like getting screwed over any more," he said. "So I asked them to change my gender on my auto policy, and she's like, we can't do that."

So he found another way. Alberta is one of several Canadian provinces where residents can legally change the sex on their birth certificates by just checking a different box. You simply need a note from a doctor or psychologist saying you identify as a different gender.

"It was pretty simple. I just basically asked for it and told (the doctor) that I identify as a woman, or I'd like to identify as a woman, and he wrote me the letter I wanted," David told CBC. It was a lie, of course, but once you've gotten your birth certificate amended, it's a snap to get your driver's license changed, and then bring on those sweet savings in that sweet, sweet Chevy Cruze. Worth it, right?

David thinks so. "I am now a woman ... I now pay $1,100 less for auto insurance. I won. The end," he wrote on Reddit.
Comment: 2nd image is screen grab from article.

7.26.2018

Chess: Quick win!

Comment: Not overpowering until the end. Played out in less than 5 minutes