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Stephan Kizer

United States

Member since March 09, 2014


  • Bilde_177_

    Automobile insurance is a gamble and is based on risk. We pay for it, but we rarely experience its benefits firsthand. Sometimes we feel it's a waste of money. But accidents happen and when they do, your auto insurance will protect you and your finances. How much it protects you depends on your combination of options and amount of coverage.

    But, let's face it, understanding your policy is difficult and at times you are not sure exactly what you are buying.

    Third-party liability bodily injury: This should be given the greatest of importance. This will help insure you for another party's medical expenses caused by an accident that was your fault. This does not cover your car or other property damaged in the accident.

    Property damage liability: This protects you if your car damages someone else's property.

    Uninsured motorist coverage: This covers bodily injury to you if you are injured in an accident by someone who is not insured and at fault.

    Collision coverage: This pays for the damage sustained by your car when you collide with another car or other object like a tree, fence or a post.

    Comprehensive coverage: This covers the damage to your car that is not covered in the collision coverage. This could include vandalism, theft, falling objects, glass breakage, fire, animal damage. Most auto insurers on Guam offer typhoon coverage as an option.

    Medical payment coverage: Covers medical bill costs associated with the accident for you and passengers in...

  • Better_insurance_against_inequality_177_

    Paying taxes is rarely pleasant, but as April 15 approaches it’s worth remembering that our tax system is a progressive one and serves a little-noticed but crucial purpose: It mitigates some of the worst consequences of income inequality.

    If any of us, as individuals, are unfortunate enough to have income drop significantly, the tax on that income will plummet as well — and a direct payment, or negative tax, might even be received from the government, thanks to the earned-income tax credit. In this way, the tax system can be viewed as a colossal insurance system, guarding against extreme income inequality. There are similar provisions in other countries.

    But it’s also clear that while income inequality would be much worse without our current tax system, what we have isn’t nearly enough. It’s time — past time, actually — to tweak the system so that it can respond effectively if income inequality becomes more extreme.

    I made this argument in 2003 in my book “The New Financial Order” (Princeton University Press). And now there is substantial evidence that inequality has been rising rapidly. In his monumental new book, “Capital in the 21st Century” (Belknap Press), Thomas Piketty of the Paris School of Economics documents a sharp increase in such inequality over the last 25 years, not only in the United States, but also in Canada, Britain, Australia, New Zealand, China, India, Indonesia and South Africa, with people with the highest incomes far outstripping the r...

My Interests

  • Industrial Design
  • Environmental Design
  • Communication Design
  • Fashion Design
  • Audio/Visual Design