All posts by Andrew

Business and Finance, Home and Living, Society, Technology

Stop Using Uber

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Uber busted on to the scene a couple years ago and it has made a ton of waves and headlines since. The taxi cab replacing service has garnered tons of popularity and enthusiastic response. However what you don’t know can hurt you, and my guess is that in a few short years some of the popularity surrounding Uber will turn into notoriety.

The truth is, that as of right now, the current Uber model really isn’t all it’s cracked up to be. In fact, not only might Uber simply not be as financially lucrative as many other articles have bemoaned, Uber might actually ended up royally fucking you over.

Most of the anti-Uber stuff I have read either deals with things like politics, whether Uber is profitable for drivers or not (the answer is no, it’s not), and then the occasional scare blog that you’ll get raped by your Uber driver. The authors of the pieces don’t do themselves any favors because the pieces are so narrowly focused on one minor issue that they downplay the real urgency related to Uber, it’s drivers and their passengers.

And while these might be real issues related to Uber, they aren’t central to the reason you should stop using it. Each driver will wrongly or rightly decide to what extend if at all Uber/Lyft and similar services are profitable for them, and if it’s worth doing. And the rape/murder kidnapping stories are to avoiding Uber, as shark attacks are to avoiding surfing – statistically ignorable.

Trouble with the Law

The real dangers with Uber are legal and liability related. Insurance isn’t sexy and it certainly won’t make any headlines but insurance – or the lack thereof – is the single greatest reason for not using Uber, especially as a driver.

(I am a licensed and very knowledgeable insurance agent, so trust that this isn’t just hearsay coming out of my ass. This is some real advice you can take to the bank.)

Vehicle owners are required by law to have insurance on every registered vehicle. Given that all reputable car insurance companies exclude livery service from their personal auto products, this effectively means that if you are an Uber driver, and you have a regular ol’ car insurance policy, you are driving without insurance, and you are breaking the law.

 

Don’t believe me? Ask your agent for a copy of your auto application. I know, I know. You flipped right to the last page, signed your name, and didn’t read a single line. But if you had, you’d have notice the part of the contract stating you decline coverage for livery, delivery, and other commercial use.

Ways this can screw you:

  • Having your driver’s license suspended
  • Having your vehicle registration suspended
  • Receiving a traffic ticket for a no insurance violation, in addition to the ticket you got for the original reason you were pulled over
  • Meeting SR-22 requirements (if you are required to have one, if for example you are required to because of a DUI)
  • Huge fines
  • Increased future insurance premiums

Insurance and Financial Liability

All the other stuff above is really just annoyances and inconveniences. Granted some of those things can cost you a couple hundred dollars, but ultimately they’ll waste dozens of hours of your time. I suppose time is money though.

But, back on track, Uber driving is a great way to screw yourself financially. Kids, it’s time to review insurance 101. In the United States owners of vehicles are financially responsible and liable for any damage or bodily injury resulting from the use of said vehicles.

What this means is that if you get into an accident and damage another party’s car or property, you are responsible for all costs of repairing / replacing whatever it is you messed up.

Now comes the real juicy stuff. What if in addition to damaging property you ended up injuring someone, or actually hospitalizing someone? Or dare I say it, you paralyze or kill someone?

Either way, if you don’t have insurance, you are screwed. And if you are driving Uber at the time the accident happens, I repeat again, you are screwed.

Uber has gained some negative attention in the past couple years for not covering accidents their drivers get into. The rationale was always that you were a private contractor, not an employee, and while Uber has applied that thinking to their stance on employee benefits, they’ve also applied it to their stance on auto insurance. You are responsible for your own insurance, not Uber. So while many rumors abound that Uber does over you, if that was the case you’d have to ask yourself why they mandate you have coverage of your own.

Extra Notes

Commercial Insurance

The only guaranteed way to have proper liability coverage would be to take out a commercial auto policy that explicitly includes coverage for livery services. Such policies are more expensive and might be with “surplus” carriers.

Financed Cars

If your car is being leased or financed for personal use (pleasure, commute, etc) and you use it for Uber or Lyft, you may actually be in violation of your lease/loan agreement since commercial usage is strictly prohibited. If you do your due diligence and get a commercial auto policy and submit it to your finance company, they’ll surely spot it, and take action against you. So while you might spare your left foot, you may inadvertently end up shooting your right foot.

By The Books

Proper licensing and decals are also important. Certain areas mandate that taxi cabs be registered and have all the proper decals. Uber is a taxi by any other name, like it or not. And if you are performing taxi services without getting all the necessary permits/licenses/registration in place, again, you may be breaking the law and subject to fines.

Passenger Risk

Lastly, you shouldn’t even use Uber as a passenger. Would you knowingly use a roller coaster if you knew the amusement park carried no liability insurance? If not, why would you get in someones car if you knew they did not have auto insurance? Considering 32,000 people in the U.S. die in car crashes each year, and only 3 die on roller coasters in the same amount of time, if you could justify not getting on an uninsured roller coaster, not getting in an uninsured car is should be a no-brainer.

In Summary

Uber drivers not getting paid enough or the prospect that your next passenger might be an axe murderer are certainly issues worth discussing in a different post. However the main reasons for not participating as an Uber driver is because you can get royally screwed in the event of an accident. Life won’t be very fun for you once the injured party lawyers up, and you’re staring down the barrel of a lawsuit with no insurance company standing behind you. Add to this that when the DMV finds out, they’ll also take away your license and your car, you’ll be traveling up shits creek, and it won’t be in an Uber.

Reading Material

http://fortune.com/2015/10/13/uber-crash-insurance/

https://www.policygenius.com/blog/insurance-secret-uber-doesnt-want-know/

http://www.propertycasualty360.com/2015/02/09/uh-ohuber-has-some-coverage-issues

Politics, Society

Prepare to Be Trumped

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I was reading this opinion piece on Politico this morning, and it just jumped out at me. The title is “Donald Trump is Shocking, Vulgar, and Right” and as I read, I found that the piece itself was shocking, vulgar, and correct.

I encourage you to read it, because it was enlightening. The gist of it was that while Trump has offended the Republican elite, – the unnamed, shot calling ‘ephors’ that exist in both major political parties – Trump has had unexpected success with the actual masses.

As is customary, I scrolled through the comments section to find the usual bantering vitriol one would expect at the end of any political op-ed, especially one about a controversial figure such as Donald Trump.

As is typical, you have your fair share of white-guilt liberals who think anyone who doesn’t vote Blue is a racist, old, white, evangelical, gun owning male.

Liberals have severely underestimated Trump’s appeal. I live in California where it’s pretty Democratic and I can’t believe how many ‘typical Democratic voters’ are coming out of the woodwork in support of Trump.

“I had to support Obama ‘cuz you know, I’m black and he’s my boy. But dude, Trump is killin’ it.”

Of course it’s always in private confidence to me as a Libertarian, or as an insurance agent. My black friends fear being raced out of town by their other black friends, if they admitted to supporting Trump. One such friend told me “I had to support Obama ‘cuz you know, I’m black and he’s my boy. But dude, Trump is killin’ it.” And he proceeded to tell me how what Trump said really resonated with him, even in areas I was sure they wouldn’t like Trumps stance on terrorism, immigration, and the refugee debate. And though he would never dare say that to a group of suspected democrats, he’d say it to me.

So what’s the appeal here? Why do people like Trump, or to auto-correct myself, why do so many people like Trump enough to vote for him? Trump’s got balls. He’s got chutzpah. I may not always agree with him but then again what politician do you ever fully agree with? But he says it like it is. Candor is something the black community and other minority groups can appreciate, however candor is something white liberals avoid at all costs in their embrace of self-censorship and PR verbalise.

Even I can admit Trump has made a couple gaffes, but when you break it down and scrutinize what he’s said even some of his more noticeable stumbles are really an overreaction to some benign, and common sense stuff. To quote the author;

“Apart from his line about Mexican rapists early in the campaign, Trump hasn’t said anything especially shocking about immigration. Control the border, deport lawbreakers, try not to admit violent criminals — these are the ravings of a Nazi?”

Trump has a greater appeal than most people give him credit for and it’s not something you can easily sum up in a cross-sectional analysis of poll results.

When Trump does something, he does it once, he does it big, he does it right. He pulls out all the stops. If you like keepin’ it real, then Trump’s your man since he’s the king of keeping it real. Trump says fuck the system and he’s not afraid to point fingers and call people out on their bullshit. You don’t give a fuck? Trump patented not giving a fuck.

I liken Trump to guard dog. What do you look for in a guard dog? Do you want your guard dog to be polite? To be kind? To care if the other dogs in the neighborhood like him? No. You picked that dog to keep you safe and devour any one that messes with you or your family. For the past 8 years we’ve had an apologist cupcake in the white house who only ever had the balls to pick a fight with fellow Americans across the political aisle, but who could never be bothered to stick it to Iran, ISIS, North Korea, Russia, or China. Say what you will about Trump but even democrats can concede the man loves his country, bleeds red, white and blue, and is one hell of a pro-U.S. cheerleader.

And perhaps counter intuitively, Trump might be doing so well because he’s the anti-Hillary. Yeah they’re both old and white. But the polarization is in their approach, and in their appeal.

Hillary has never known a job outside of politics. She’s been in politics since she was 21 years old. She’s been making a living off tax payers for over 40 years, with no intention of ever leaving. Donald Trump is fresh off the streets in terms of politics.

Clinton is a certifiable liar. After all, she comes from a family of liars. Her husband lied about an affair to her and the entire country. From private email servers being wiped clean to Benghazi. She lies. Her husband lies. And the entire world knows it. Trump is a crude, rude, dude, and might misspeak from time to time, but there is no one more honest than him right now in headline politics.

Trump is so bad-ass he let him self get roasted on Comedy Central.

Hillary has an army of political scientists whispering into her ear, telling her what to say, how to say it, and how to deflect criticism. Every sentence, every word, every syllable she utters is a carefully chosen, orchestrated regurgitation of politi-speak. She is a master politician, I’ll give her that. Trump is not. Trump couldn’t give two shits if what he says offends you or your kitten. He’s a master ass kicker.

Hillary Clinton could literally be caught on camera eating a baby and liberals wouldn’t care.

And I think the biggest difference between the two politicians is not just their appeal, but their audience. Hillary Clinton could literally be caught on camera eating a baby and liberals wouldn’t care. Anyone that suggested she is unscrupulous, or that she be indicted would be met with a fury of insults from her cult like followers that they are sexist, misogynist, blasphemists. In the world of Clintonites, Hillary can do no wrong.

Juxtapose that to Trump supporters. I’m a Trump Supporter, and I’ll be the first person to tell you Trump is a dick. He is! It’s no mystery, and if you ask your Trump friends they’ll tell you the same. We don’t try to masquerade our candidate as some saint, some divine messiah like what was done with Obama and what is being done with Hillary now. Trump is what he is. A flesh and blood man with a plan. He’s a bad ass mother fucker who takes no shit, gives no fucks, and takes care of business, and – yes, I will remind you – he’s a dick. But he’s an honest dick. And he’s our dick.

He’s a dick. But he’s an honest dick. And he’s our dick.

Culture, Politics, Society

My Stance on Issues: Part 1

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As I’ve stated before, when I started this blog I originally intended it to be a place where I could vent about things that are controversial issues being discussed in society, but which I thought were too long to post on Facebook, and I certainly didn’t want to argue with strangers on the internet.

Like most people I am a bit reluctant to talk about controversial stuff. Many people who know me would probably disagree with that statement. But it’s true, I am reluctant. Very reluctant. But I push past it.

There’s a lot of controversial things out there which have flared up in recent years, even this past year (2015). Especially with it being all about the 2016 elections, we have every buried issue getting unearthed all at once.

What’s more is that in addition to people thinking I’m some loud mouth, I feel like a lot of people, even my close friends, think I’m an asshole for saying it. I’m an asshole for thinking it. For believing it. For wanting to share my thoughts about it. And that’s the hush hush world we live in now where though police shame people who disagree with them into not expressing themselves.

But I don’t think I’m an asshole and I want to let everyone know what I think about the issues of our time, because I have a voice, and I think it matters.

Generally Speaking

I’m a libertarian. I’m all for live and let live. Legalize and regulate. Keep things simple and practical. Individuals must be responsible for themselves. And individuals must be responsible for only themselves. That’s the gist of my approach and I try to be as consistent as possible in how I apply it.

Now for the juicy stuff.

Weed

I don’t see what the big deal is. I don’t smoke weed. I have smoked weed, but I don’t smoke weed. Does that make sense? I’ve done it but I’m not a habitual user and I can probably count the number of times I have used wee on my fingers. It’s not for me, but then again neither is pistachio ice cream. Weed doesn’t hurt anyone, but if it does, it’s only the person using it. I think it should be legal.

Whose bright idea was it to take something horrible and turn it into a dessert?

Apparently there are even medicinal purposes for it. But I don’t think someone should be required to have a special medical card or prescription to get weed. I think it should be fully legalized for recreational use for anyone 18 or over.

That being said, I think it should be treated like a mixture of alcohol and cigarettes. You can drink, but you can’t drink and drive. You can drink, but your ass might get fired for showing up to work drunk. (Not me, because I’m awesome and drink at my desk regularly). As much as I think you have the right to use weed, I think that employers ought to maintain the right to hire or fire based on whether or not you use it, with the exception being legit medicinal purposes, and not just “glaucoma”.

Abortion

First off, let’s walk briskly past the whole life of the mother thing. Yes, I got it, if the mom faces health problems, or the baby is missing half a heart or something then no argument there. Do what needs to be done.

This is a tough issue though, it really is. Of course we’ve got the whole “women’s rights” and that whole spiel. (Oh, on a side note I do have a tinsy winsy thing I’d like to inject here, for the sake of keeping this semi-short, please refer to my future blogs)

But then let’s be real, there is the very real baby thingamajig inside the womb. Here’s a thought… if a woman who had every intention of coming to term fell down a flight of stairs and lost her child, no one would dare say “oh well it technically wasn’t even alive yet.” because they’d be the biggest most heartless douchebag in the world and run out of town. But when a doctor does it surgically, it’s considered by some to be less horrible. So it is at least disingenuous to play the whole “it’s not a life” card. A fetus might not meet the textbook definition of a life, but it’s definitely not nothing either.

If abortion was illegal, there arises the dilemma of coming up with a suitable punishment, and that’s a can of worms in itself. A mom with two kids gets an abortion because she can’t afford to feed a third mouth? Whatcha gonna do? Throw her in prison and deprive the other two of a mother?

My thought is that no legal punishment will have as much of a lasting effect as someone’s own sense of guilt. The picketers, the rioters, possible jail time. All of that pales in comparison to the weight of such a decision.

The truth is every pregnancy is different. Ever set of parents and their life situation is different. But what all of them have in common is that getting an abortion is probably not (hopefully not) an easy decision, and shouldn’t be taken lightly. And for those who feel no guilt, the ‘repeat offenders’ who have no qualms whatsoever about abortions…. Just maybe the world is better off without them as parents.

I’m not pro abortion. I’m not anti abortion. I’m thankful I’ve never been in a position where I had to make that choice. And heaven forbid I was, I sure as hell wouldn’t want an already complicated situation compounded and exacerbated by politicians.

Also, this song.

Guns

My more left oriented friends probably think I’m a gun nut. To them I say, you’ve never met a real gun nut.

Again, my stance is legalize and regulate. I think guns should be legal but just like with the law, the rule ought to be innocent until proven guilty…or in this case, incompetent.

By default everyone can have guns, but then we set up some parameters like you have to be of age, you have to be mentally sound, you can’t have committed a violent crime, and you can’t have a restraining order against you. Stuff like that.

I’m also for digging a little deeper. I think people with a history of reckless driving behavior should probably undergo some extra scrutiny. Do we want a guy with 5 accidents, 8 tickets and a DUI handling a gun? Guns are deadly, no argument there. And just as doing stupid shit can cost you your license, I am surprisingly not opposed to it costing you your right to bear arms.

Honestly, I can name a few people who shouldn’t be anywhere near a firearm, and for good reason. As a gun owner, I’ll be the first person in line to admit that yeah, guns are dangerous in the wrong hands.

And now for what I consider the ‘peripheral attacks’ on firearms. The big distractor, the go to red herring used by ‘gun control’ advocates is the fallacious argument that “no one is trying to take away all your guns”. I call bullshit.

There are literally laws in the U.S. that restrict:

  • how long or short a gun can be
  • how long or short the barrel can be
  • what type of bullets can be fired
  • what materials a bullet can be made of
  • how many bullets a magazine can accommodate
  • the physical mechanism for releasing a magazine
  • the shape of a rifle stock
  • whether or not a rifle stock can extend
  • how many guns you can buy at once
  • how long you have to wait to pick up a gun you purchased
  • how you can store guns
  • how you can transport guns
  • features that are purely aesthetic or ergonomic in nature have been outright banned, such as a barrel shroud, a muzzle brake, or a flash suppressor.

The truth is most guns in this country sit in a safe 360+ days per year collecting dust. In 2011 there were about 8,583 gun deaths in the U.S. There were about 270-310 million privately owned guns, both legally and illegally. The population coincidentally was about 311 million. Using that figure there is/was a .00275% chance that a gun/gun owner would shoot you dead.

That same year, 32,479 people died in car accidents. Almost four times as many. When four times as many people are dying accidentally, as are being murdered intentionally, I think that shines a light on the larger problem.

Why are you arguing with me? Willy Wonka said it, goosh…

I don’t think gun laws are the problem, therefore I don’t think more gun laws are needed. I think this country has a cultural problem, and gun violence, rape, texting and driving are all symptoms of that one illness.

Immigration

I don’t think it’s outlandish to claim that a country can’t just let in anyone and everyone. I don’t know that we need a fence along the entire border, but I also don’t think that enforcing your borders is xenophobic. It’s just prudent.

Pretty much every country in the world enforces its border, or at least those with the resources to effectively do so. But in the U.S., such a practice is considered racist.

I think of a country as a giant house, and the citizens as a giant family. If someone broke into your house (crossed your border) and squatted in your garage, do you think you should be obligated to leave them be? Now imagine that person broke in and had a bunch of kids? Are you now required to let them all stay? Are you required to feed them? Pay their medical bills? Pay for their kids school supplies?

But I’m not heartless. Think about how dire your situation has to be that you would risk life and limb, and even the safety of your family, to abandon your home for a land where you have nothing, know nothing, and don’t speak the language. Most of the people coming here are looking to provide for their families and I give them a hell of a lot of credit for that. They’ve crossed a desert, crossed a border, to work. I know some American born people who at times couldn’t be bothered to cross the living room to apply for a job.

That being said, the law is the law. If you got caught sneaking into Mexico, fat chance you’d be treated as a victim. And no one calls the Federalis xenophobic. I think we should allow more people to work here without necessarily being citizens. Give them a higher income tax rates to encourage US businesses to hire domestic first, but at least make the process legit.

Conclusion

It’s late. I’m tired. I’ll write some more later.

Culture, Life, Religion, Society

Christmas in July

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Here we are, almost half way through December and speeding towards Christmas. As I get older, it seems as though the holiday season gets faster and faster, and glides by so quickly that I hardly have a chance to notice it, much less enjoy it. It feels like Christmas 2014 was just a few weeks ago. And yet here I am perched at my kitchen table on December 13th at 10:25PM, writing a blog post I thought about writing back in November, and that I started and never completed writing on December 9th. Time really does fly by.

When I was a kid I used to love Christmas. That’s not to say I don’t any longer. I absolutely do. Christmas is the only holiday I like more than Halloween, especially now that I’m creeping away from my college years. But when you are a kid, you really really love Christmas. Everything about it is so magical. Everyone decorates their home and the neighborhood is lit up with Christmas lights and decorations. We bring beautiful, fresh cut, woods scented trees into our homes. An come that magical morning everyone meanders their way to the tree, surrounds by amazingly adorned boxes and ribbons. We sit around a lit fire place , drinking coffee and cocoa and spiced cider and eggnog. We sing carols. We listen to the same old Christmas songs. My favorite was always the Little Drummer Boy. In fact, listen to this beautiful rendition of it while you read this blog post, because I was listening to it while I wrote it.

When you’re a kid, Christmas truly feels like it lasts forever. And that’s because, relatively speaking, it sorta does.  When you’re 5 years old, one more year is literally an extra 20% of your total life. When you’re 29? 40? 50? One year, relative to the time you’ve lived, feels like a commercial break.

As a child I remember seeing Christmas decorations in stores earlier than normal, and thinking nothing of it. When I got older, I started really noticing. I used to think it was weird to see it before Thanksgiving, and just this year I recall seeing it as early as pre-Halloween.

I’ve always heard people gripe about how Christmas stuff comes out on shelves earlier and earlier each year. This year my first thought was to do the same thing, and gripe. But wait. Just wait…. Maybe, just maybe, this is a good thing. As a kid the holidays seem to last forever and that’s partially because we have no responsibilities. We don’t have bills or jobs, or obligations. We’re out of school for a month with nothing to do but play and have fun and soak in the holiday spirit.

We’re usually so busy making Christmas, we often forget to slow down and take the time to enjoy Christmas.

But as an adult, I do have responsibilities. A ton of them. And a demanding job, and taxes, my fair share of bills, and dozens of obligations. On top of that, we’re (adults) the ones planning events, driving, decorating, buying gifts, and coordinating these massive family events that youngins can enjoy. As adults, we’re tasked with bringing the magic, so that kids can enjoy it. There is no winter break for adults. We’re usually so busy making Christmas, we often forget to slow down and take the time to enjoy Christmas.

Christmas-de-stress

I am now making a deliberate effort to hit the breaks and enjoy the season. And I slowly start to realize that maybe Christmas in November, Christmas in October is a good thing because it gives us all more of an opportunity to let the holiday spirit truly sink in. In this day and age of political correctness and faith shaming, I am happy to still see Christmas large and alive this time of the year, even if in it’s corporatized, secularized manifestation. A little bit of Christmas, a plastic Christmas, is still better than no Christmas at all.  Maybe what this world needs is a little more Christmas. As I get older, and time flies faster, I welcome Christmas in July.

Maybe what this world needs is a little more Christmas. As I get older, and time flies faster, I welcome Christmas in July.

I want to thank everyone for reading this far. I want to thank all those friends and family members and absolute strangers who read my blog posts regularly, follow me, share my posts, and encourage me to keep writing.

Thank you God, for the opportunity you have given all of us, myself included.

Merry Christmas everyone. I love you all.

Culture, Life

Thankful 2015

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As with most of my posts I meant to do this a couple days ago, and it seems a little ill-timed that I would write a Thankgiving-esque posted 4 days after Thanksgiving. But it’s still November, so back off!

I am glad though, that I delayed, because I got to do and experience a few more things to be grateful for that otherwise might not have made its way into this.

First off all, 2015 has been my busiest year ever. Not just the typical sensation that this year flew by faster than the others. In fact 2015 to me was so busy that this year has actually felt slower, which is a blessing in itself.

Friends

My friends take the cake this year. As we all grow older, it tends to become more difficult to spend quality time with our friends. This was certainly the case for me, and I would have loved to have spent more time with my friends. But again as with getting older, perhaps the biggest lesson I have to learn is that friendship (and most things in life) is about quality, not quantity. The number of regular faces has declined, as people grow up, move away, get occupied, and grow apart. The relationships that remain intact become even more impressive, and important, and I am very grateful to have the friends that I do.

One friend and I spent over two months just trying to find an hour or two to grab a quick beer and shoot the shit, but an ever demanding schedule made it nearly impossible for either of us to land squarely on a date and time. We finally did, and the experience was that much more rewarding. What’s impressive though is that in this day of impersonal communication, this friend actually called me, called me, at least once a week to chit chat on the phone, catch up, and just rant like we used to in the old days. As precipitous as these phone calls were, both unexpected, short, and without forum, they were awesome and heartwarming.

I am very grateful for my friends, all of them. And to/in honor of those friends, here’s a quick list of inside jokes and anonymous shout outs.

You know I’ll show up with the shovel. Whose car we taking?

Yarggg! Ye scurvy scum! Give us all yer rubbing alcohol and lemonade! Yarrr

Water plant with cry!

Annndddrrrreeeeeeeeeewwwww

Those who can’t, teach. Those who can’t teach, teach gym. Those who can’t teach gym work for the government.

AAAAAAAAAAAYYYYYYYYYYYYYYYY!

Accomplishments

2015 was a hodgepodge of accomplishments that I am quite proud of and thankful for.

Professionally, 2015 was incredibly rewarding. Business has been booming and as stressful as it is, I am eternally grateful. I always figured that it I have to choose between be stressed over having too little work, and being stressed over having too much work, I choose the latter. So many people are struggling to find work, to find clients, and I would take my 60 hour weeks over that any day. Yes I’m busy, but I’m also thriving and I wouldn’t give it up, and I won’t even hint at bad mouthing it. Never stop being thankful for your blessings, because when you do, life has a knack for taking them away.

I’ve hit 1,000 clients, which is a huge milestone for me, especially considering I’ve only been doing this for about 5 years. Just 2 years ago I remember trying to make it to 300, which know seems like a humbling experience, and makes me all the more thankful.

I’m thankful that my job allows me a degree of autonomy and freedom. And as childish as this sounds, I am thankful I am able to come to work in my PJs, and keep beers in my office mini-fridge next to my Avengers poster and bobble-head Groot figurine.

That job I’m thankful for allowed me to accomplish something else, homeownership. I didn’t blast it on social media but as of November 13 I am a happy homeowner!

1515-MMS-1448814481818-attachment1-IMG_20151128_192756425

I could go on for days about the things I am thankful, but I’m hungry so I’m gonna cut this short. I’ve thankful for my health, for my friends, for my family, for my eternally shedding and drooling dog, for my job and professional success, for my accomplishments, for living in San Diego, for Oreos, and for comic book movies. I’m thankful for a lot of things, I am thankful if you read this post.

Movies, Pop Culture, Review

Creed: Movie Review

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It’s 9:53pm, I just got home from a sneak preview of the upcoming hit, Creed, the latest movie in the decades long running Rocky series. Yes, I said the upcoming hit, because this movie truly delivers.

Late as it, and as tired as I am, I’m not going to bed tonight until I get this review wrapped up. Most of the time when I go to the movies, I sit down, kick back, sneak in a beer to relax a little, then ride home and don’t think a whole lot about the last two hours.

Not this movie.

This time I sat down, kicked back, snuck in a beer, and never got around to drinking it. I didn’t want to relax. I didn’t want to lose my edge. Creed was so damn enjoyable the only way I wanted to watch it was stone cold sober. You know how EDM sucks so bad you need to be drugged out of your mind to tolerate your own existence while listening to it? This movie was the exact opposite.

The story centers around Adonis Creed, son of famed belated champion boxer Apollo Creed. Yes, the same Apollo Creed that squared off against Rocky Balboa. Given that Rocky IV is now 30 years old it should come as no spoiler to anyone that he died in the ring during an exhibition match against Drago, a Russian cyborg.

Young Adonis grows up knowing who his father is, but never tells anyone and prefers to go by his mother’s maiden name to prevent unwanted attention, and fades away into the noise of life. With his mother and father both deceased, he is raised by the state and develops some aggression. Some years later an older Adonis works a desk job in Los Angeles, moonlighting as a backdoor boxer. Adonis doesn’t wait for fate, he pursues it, and moves to Philadelphia with the sole purpose of befriending an exhausted Rocky Balboa. Through a series of (very well written) events, one thing leads to another and Adonis ends up biting off more than he can chew, coming face to face with the legacy of his family name.

This scene will get your blood pumping.

If that seems cliché, it’s only because I can only give away so much information without spoiling the movie. Adonis did not want to piggy back off of the fame of his father’s name. Similarly, the movie could have easily polished up a recycled B-list script, piggy backed off the success of the Rocky franchise and titled this movie Rocky 6, or Rocky: New Beginning, made a couple million and called it a day. Again, not this movie. I was thoroughly impressed with the amount of detail that went into this movie, from the story, to the script, the acting, the casting, the setting, and most importantly how this new story artfully wove itself into the existing canon. Creed very easily fits into the legacy, but would also be entirely enjoyable having never seen a Rocky film in your life.

Something I have been waiting to blurt out is that Michael B. Jordan knocked this role out of the park, or I should say the ring. Apparently his comic book action adventure Fantastic Four totally flopped in theaters both critically and commercially this year. After having watched Creed, I in no way attribute whatever failure Fantastic Four was to Jordan’s performance.

Something about Jordan’s portrayal of Adonis just feels right. From the moment the audience is introduced to the character, he latches on to and grows on you. I’ve seen a bunch of the recent fighting movies like Warrior, The Fighter, Southpaw, and although those are good movies, the characters are all kinda meh. You root for the guy, but only because you sort have to root for the main character, right? In Creed you genuinely want to root for the guy. Michael B. Jordan plays the role so well you forget you’re watching a fictional movie and start to feel like you’re a fly on the wall of a real person’s life, and his character is so damn likable you just want to reach into the screen and give the guy a hug. He was orphaned, is prone to fighting, and portrays that well without the stick-up-his-ass stench that makes it hard to warm up to characters like Tom Hardy’s in Warrior. I appreciated that Adonis wasn’t a walking stereotype. He wasn’t the brooding, he wasn’t angry, he wasn’t depressed, he wasn’t down on his luck, he wasn’t a rebel. He was a true to life character with a real, believable balance of emotions and personality traits that is damn hard to find in a modern cinematic character. I hope to see more of Jordan in future films.

Sylvester Stallone featured more heavily than I thought he would. From the advertising it seemed as though Stallone would cameo in the movie for a few minutes, have a second or two in trailer to create some buzz, put his name on the billboards to draw crowds, and then be all but absent in the film. Instead he had a very fair amount of screen time, and performed a very important supporting role to our central protagonist. Stallone is also more known for his iconic roles than for his acting prowess, but this may have very well been his best performance ever. The famed actor brought real heart and passion into his 6th and possibly last portrayal of the Italian Stallion, Rocky Balboa.

Rounding out the cast was Tessa Thompson as the beautiful Bianca, who despite playing the again “cliché” love interest to Adonis Creed, is a very strong, modern, female role. The movie would have suffered a huge void without her, and she made a great addition to our family of characters. I loved that she wasn’t the typical nagging female character I’ve grown to loath. Lori Grimes from Walking Dead, Madeleine Swann from Spectre, Margaret Schroeder from Boardwalk Empire. Haven’t we had enough of these nagging anchors that call themselves women? Thompson as Bianca was a breath of fresh air, and reaffirmed that you can be a strong woman, and still be beautiful, kind, and loving, without being annoying, or a lesbian.

As do most of the movies that I love, Creed has real heart. I almost cried. I laughed more than I expected to. I commiserated with all the characters. The fight and training sequences were so intense and heart pounding my hands were sweating, my heart was pounding, my legs were shaking, and my hairs literally stood on end. Never since the original Rocky has a fight movie pumped you up so much. The movie was fresh, but it had plenty of nostalgia. True to form, what Rocky movie would be complete without a montage? And this movie managed to pull it off without the cheesy 80’s garb.

Creed was more than a sequel, it was a heart felt and worthy addition to the Rocky franchise.

 

Now, shall I be so bold… It is my opinion that this was the best movie of 2015. This was the best movie since Winter Soldier. And get this… Creed was the best movie in the Rocky franchise. I will probably see this movie once more in theaters, I will buy this on DVD, and I will anxiously await a sequel.

I give this movie a 10/10. Go see Creed in theaters, you will not be disappointed.

Movies, Pop Culture, Review

Spectre: Movie Review

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The summer is over and so is the season of summer blockbusters. Between you and me, the last couple months have been a movie slump, and the last legitimately entertaining movie this year was Ant-Man. Jurassic World was mildly entertaining, and Age of Ultron was a complete let down.

But 2015 was not a complete cinematic dud. If summer of 2015 blue balled you in the action adventure department then you’ll love the 4th and latest installment of the Daniel Craig James Bond franchise. I’ve been anxiously looking forward to Craig reprising his role as the infamous 007 since the first teaser trailer came out a year ago, and after having caught an early screening on Tuesday, November 3rd, I can tell you it was well worth the wait!

We’ve seen Bond show down in a battle of wits against global money launderer, Le Chiffre, in Casino Royale. We’ve seen Bond do…. uh…. do something in South America having to do with water or oil or something, in Quantum of Solace with [enter villain here]. Then we watched Bond battle skeletons from the MI6’s deep, dark closet against the menacing Silva in Skyfall.

Now, get ready for what I consider to be the fourth, and best installment in the decade running franchise. In Spectre, super spy James Bond is caught in the crossfire when traditional espionage and intelligence gathering collides with modern day data scouring and drones. In an increasing age of terrorism and geopolitical unrest, governments around the world start to question if the world still needs traditional spies and boots on the ground, when we have drones, satellites, and wire-tapping at our disposal.

In the film, intelligence agencies from the world’s most powerful countries are called to action to combine their intelligence gathering operations and systems, to create a type of new world order of counter terrorism. When this audacious overreach is met with resistance by M, James Bond and his entire department – who are considered obsolete and antiquated – are either merged with existing departments, or are shelved entirely. Acting outside their legal jurisdictions, Bond, M, Q, and Money Penny work to stop a mysterious villain that threatens the freedom of the world, as they struggle to stay one step ahead of the enemy. Bond discovers that the person steering the course of humanity’s future may also be a shadow from his past.

Spectre was thoroughly enjoyable. Much of the plot and many of the characters may seem recycled from pervious movies, including Bond movies, because they are. But Columbia did more than rinse and repeat with old ingredients, and in my opinion managed to take kitchen scraps and turn them into an entirely new delicacy that will leave you hungry for more.

In fact, part of the appeal of Spectre is that is harkens back to the golden days of Bond. The main villain, Franz Oberhauser is a new age version of Ernst Stavro Blofeld from the original Bond films who also ran SPECTER, the same villain that Mike Meyers parodied as Dr. Evil in Austin Powers. They even went so far as to explain how this classic villain received the trademark scar across his right eye.

But the good old days villainy didn’t stop there. While Oberhauser was the brains, David Bautista was the brawn, and played the very formidable Mr. Hinx. My opinion is that Hinx is a new age version of Oddjob, a ruthless and well-dressed villain from the 1964 movie Goldfinger, who kills people by throwing a steel rimmed top hat. Mr. Hinx breathes fresh life into the role and brings a very physical, intense, unnervingly calm, and intimidating performance with him. This is the first time in the Daniel Craig franchise that James Bond was not only challenged mentally, but physically.

Daniel Craig delivers his usual and appreciated, primed and polished performance. I’ve come to appreciate his interpretation of James Bond. Spy, yes. Womanizer, yes. Fashionable, always, but still someone very much mired in tradition, and a real man’s man who is tough as nails yet still emotionally vulnerable. James Bond is anything but a new character to audiences, but just like mom’s Thanksgiving dinner, is a tried and tested recipe for success.

There are several beautiful Bond love interests in Spectre, but if one gets the title of Bond Girl, it would be Léa Seydoux. She played the character of Madeleine Swann, and as fate would have it is the daughter of a former enemy of James Bond. Personally, I wasn’t a fan. She’s young enough to be James Bond’s daughter, whined a lot, and had that prickly European demeanor. Plus, I mean come on. She’s no Eva Green.

We also got a fair amount of screen time of Ralph Fiennes and M, Ben Whishaw as Bond’s secret help and accomplice Q, Naomi Harris as the always lovable Moneypenny, Christoph Waltz as the puppet master Franz Oberhauser, and a short romance scene with the timeless beauty Monica Belluci.

Some possible SPOILER ALERTS in this next paragraph.

As I was watching Spectre, I couldn’t help but think that the movie was very similar to last year’s hit, Captain America: The Winter Soldier.

Spectre = Hydra

The first major similarity is that both movies feature a shadowy organization that is attempting to usurp an established, well intentioned intelligence gathering apparatus, in the name of sacrificing freedom for security. In Winter Solider, Hydra has infiltrated SHIELD and is trying to take it over from the inside out, and Captain America is trying to stop them. In Spectre, said organization is trying to swallow up MI5 and MI6 from the outside in, and James Bond is trying to stop them.

What’s more, is that both organizations are found to be responsible for a long series of horrible and violent events that are seemingly unrelated, with the sole purpose of creating enough chaos to get the masses to willingly give up their freedoms in return for a Big Brother type organization.

The figure heads behind each organization are both German. Red Skull / Johann Schmidt is a German Nazi, and actor Christoph Waltz from Spectre is of actual German Austrian descent.

hydra-vs-spectre

Even the respective mascots are the similar. Both Spectra and Hydra’s emblem sport a multi-tentacled creature, one being a hydralisk and the other an octopus.

Righteousness as a Relic

Captain America is commonly referred to as “a man out of time”, and his old school and righteous ways are considered antiquated. James Bond might not be as virtuous as Cap when it comes to his drinking and philandering, but’s still got a strong moral compass. Bond and his companions are referred to as antiquated, their methods outdated, and their purpose obsolete.

Ralph Fiennes’ role as M, Bond’s superior within the organization, is very similar both in function and in character to Samuel Jackson’s role as Nick Fury within SHIELD. In both movies, the director and soldier don’t see eye to eye, but when confronted with a larger moral dilemma, work together towards a common goal of restoring freedom.

I think there is an unspoken moral to this common story as well. Change is neither good nor bad. Change is simply change. Good or bad depends on the change, and how it is used. And just as you should be wary of people who adamantly oppose any kind of change, one should be equally wary of someone who blindly lambast the past, or tradition.

The story was well crafted and very neatly wrapped up a lot of loose ends, weaving together the other films since the relaunch. The acting was of course, what you would expect from such a legendary, decades spanning franchise. The romance was sprinkled on without overshadowing the main story, and Bond was very much a strong yet vulnerable character that audiences will be able to relate to. And of course, there was plenty of action to get you through the cinematic lulls. All in all, I think Spectre was a great movie on par with Casino Royal (2006). Some people might say it’s more of the same Hollywood product; car chases, martinis, womanizing, boat chases, plane chases, pretty much lots of chases,  explosions, fast cars, crazy gadgets, etc. Which is exactly what I want out of my James Bond! I found it very entertaining and will probably end up buying it on Bluray when it comes out. I give Spectre an A-.

Business and Finance, Life

My Life Insurance Experience

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It’s 5:41 in the morning and I just finished my life insurance “paramed” exam. To the uninitiated, when you take out a life insurance policy, the insurance company sends someone to meet with you, and check your health using a variety of questions, diagnostics, etc. This process is called the paramed, or para medical examination. My examiner was a nice guy named Tony, who arrived at my front door around 5:15 AM.

What to Expect

It was a pretty easy process. Here’s a quick rundown of what we did:

  • Check height
  • Check weight
  • Check blood pressure
  • Check pulse
  • Measure chest
  • Measure waist (it felt like I was being measured for a tailored suit)
  • Collect urine sample
  • Collect blood sample
  • Ask a bunch of questions about my health, medications, and the health of my blood related family members

Early Bird Special

The early bird slot wasn’t randomly assigned to me. I opted to get the early appointment for a reason. Your body isn’t as compressed in the morning as it is after a whole day of walking, running, driving, and sitting. You also usually use the facilities before going to bed. Basically, you’re taller and you weigh less, so it helps with your height to weight ratios Even if just a little, it makes you appear healthier, which can be the difference between one rate class and another, if your health is on the edge. I’m healthy as a horse according to Tony, but still, why risk it?

Also, you are usually calmer in the morning, not having endured 8 hours of stressful work, and 2 hours of stressful traffic, plus whatever other chores life throws your way. So your pulse and blood pressure will ready healthier results in the morning, than they would if you did the exam after clocking out of work, or sitting in rush hour.

Urine or You’re Out

They do require a urine sample for most life insurance paramed exams. Unless you are getting a super small $10,000 “funeral policy” as we call it, they’ll want to get some indicator of your health.

Make sure you drink water in the 4 to 8 hours leading up to your exam. If you don’t provide a urine sample then and there, they will have to reschedule the exam.

I had a problem with this part of my exam. No, no. My problem wasn’t performance related. It was actually that I had to pee really freakin’ bad, and had to hold it. Whether I wake up at 7AM, noon, or 5AM, using the john is the first part of my morning routine. My dude was running about 15 minutes late, and it had me bouncing on my tippy toes like a 6 year old waiting in like to use a porta potty.

When Tony arrived at my door I politely asked if we could do the urine part first and he obliged. I have the feeling it was not his first time being asked.

Bloody Mary

The blood part is super easy. I know a lot of people are a bit squeamish when it comes to getting their blood drawn. If you’ve ever donated blood you know that needle is the size of a 7 Eleven Slurpee straw.

The needle they use for donating blood is a 16 or 18 gauge (1.27-1.65mm outer diameter).

The needle they use for the paramed is about 21 or 22 gauge, which despite the larger number actually means it’s considerably smaller and less intrusive. It’s about 0.82mmm or 0.03 inches, smaller than most pencil lead.

Don’t worry, unlike giving blood the needle is in and out. I think it took about 15 seconds to get all the blood they needed.

I did not, to my disappointment, get a Ninja Turtle Band-Aid and a lollipop. I’m writing a stern letter to management over that one.

Ermahergd! Lerlyperps! Muh fervert!

Do Yourself a Favor

Here are some things I recommend you do to make the process of obtaining life insurance and the paramed easier for you, and get this, your kids too.

Clothing

Come prepared. Make sure that you are wearing light clothing, or easily removable clothing. Mine was at the crack of dawn, so I was still in my PJs. But remember that every ounce counts, and they don’t deduct the weight of shoes, your cellphone, etc. So make sure to empty your pockets and strip down as much as possible for your weight measurement.

Medication

If you are taking any medication, instead of making a list or stumbling to remember everything just bring all the prescription bottles with you to the exam. The examiner will make sure to notate everything for you. They’re the professional. Let them do the hard work.

Environment

Do NOT have your exam in a stressful place. So don’t have your kids running around wreaking havoc while the examiner is reading your blood pressure. It’ll mess with your results. Meet someplace private, away from stressors and distractions, and of course, some place where you can pee. So avoid the zen-filled park down the street.

Think About the Children!

I’m going to take this in a direction you probably didn’t think of. Yes, many people get life insurance to help take care of their kids in the event of the worst. But that’s not what I mean.

Many life insurance policies let you pay a little extra to add your kids on to the policy as well. So they might have a little $5,000 or $10,000 policy on them too. The benefit to this is that when your kids reach a certain age, like 18 or 25, they have the option of converting their policy to a big-boy policy like you have.

Most companies that offer this product don’t require the kids to get a paramed exam of their own. Basically, if you add your kids on to your life insurance policy, they don’t have to jump through all the hoops that you did. On top of that, they get locked into a particular health category. So if your kid started on your policy at 7 when they were super healthy, developed diabetes at age 15, and then converted to their own policy at 18, they don’t have to worry about being up-rated, because they started their life insurance when, and are being rated as if they are healthy. The only thing that they will be charged more for is aging.

I’m 99.9% certain on this, so I will make a few inquiries and find out, and retract/modify anything in this post later on if I am incorrect.

Get a Life… Insurance Policy

No seriously, you really ought to. Same thing I mentioned earlier about the kid, applies to you. A lot of people don’t even consider life insurance until too late. They think they are too young and even if they are married, if they were to die their spouse still has plenty of time to remarry, or get a job, etc.

Get a policy as soon as you can before any health conditions kick in like diabetes, high blood pressure, gout, or even an STD. Again, you’ll be locked into the risk category the policy was written at.

Plus, if you actually get a decent whole life policy there are a ton of benefits. They let you squirrel away money tax free. They have the ability to grow in value over long periods of time, especially if you have a universal or variable policy. You can borrow against your own life insurance policy if it has a built up a cash value, which pretty much acts as a miniature banking account that you can borrow from with no penalties and no obligation to ever pay it back. Many people borrow against their own life insurance policies to help their kids pay for things like their first home, or their grand-kids’ college.

Some of them kick in early if you suffer a terrible accident or are expected to die soon. For example a $500,000 policy might kick in $250,000 while the insured is still alive but are expected to not make it very long due to a medical condition. This can make the final hours much easier for the insured and their family (paying for travel expenses of family members to visit, hospice care, etc). And then the final $250,000 is paid out after departing.

And finally, many of them have Long Term Care riders built in to them. The life expectancy of Americans are getting longer and longer and more of us are expected to life into old age. To quote the Wall Street Journal, “more than 70 percent of Americans over the age of 65 will need long-term care services at some point in their lives, according to a study by the U.S. Department of Health and Human Services.” Sources. Individual LTC policies can be pricey, but you can save a ton by bundling it with your life insurance.

Alright, I’m done. It’s getting late – 6:38AM. So I gotta get going. But thank you for reading. I hope you learned something interesting or two and chuckled a bit. And if you are curious about life insurance and live in California, message me.

Movies, Pop Culture, Review

The Last Witch Hunter: Movie Review

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Halloween is upon us and the streets are ripe with creepy! Haunted houses, decorated front lawns, horror movie marathons, and of course scary movies! While Witch Hunter isn’t a horror film, it is a nice creepy action adventure movie.

I didn’t know a thing about Witch Hunter beforehand aside from “Oh man, this movie looks sick and has Vin Diesel in it! I want to see this!”  And basically, that sums up the movie. It’s a sick movie, and his has Vin Diesel in it.

Imagine Chronicles of Riddick, but set on earth, and with witches instead of alien necromancers, and you’re essentially got yourself The Last Witch Hunter. As unoriginal as the movie was, I still found it highly entertaining. If there is one thing Vin Diesel has always been able to do, it’s draw large audiences and I have no doubt that while this movie will not break any records, it will be successful enough to earn a sequel or two.

The movie starts centuries ago just after the black plague has swept through Europe. In the film, the plague is known to be caused by witches performing dark magic, who are trying to kill the human population an establish witch dominion over the earth. Kaulder (Diesel), and a group of soldiers head out to stop the witches before they can complete their plan of human extinction, and so so successfully. Hence you are sitting here reading this on your iPhone, you lucky bastard.

Just before Kaulder kills off the head witch, he is cursed with immortality. Over the centuries Kaulder uses this immortality (and relative invulnerability) to continue fighting, capturing or killing those who practice dark magic, which leads us to current day. 700 years have battle hardened Kaulder into a fighting machine, and his reputation proceeds him in religious and mystic circles, where he is known simply as the weapon.

Long story short, all is not well in the land, and an ancient evil has been awakened that threatens the existence of man kind, blah blah, blah, the hero comes in to the save the day and rescue the damsel in distress with the help of his butler Alfred Pennyworth, I mean Dolan, played by Michael Caine.

Like I said, the movie is intriguing but definitely not original. Nonetheless I found it very interesting. There were a lot of mentions about things like new vs. old, change vs. traditional, progressive vs. nostalgic; the usual plot devices in a story featuring  a centuries old immortal.

Vin Diesel brings his usual performance to the screen. His voice pretty much does all the acting for him. And when that falters, his machismo, athleticism, and steady hand pick up the slack.

Michael Caine pretty much plays a priest version of Alfred. Again, his usual “I feel better that a cool old wise dude is here” performance.

Elijah Wood plays Caine’s successor as Dolan 37th, and also brings his usual, pint sized, timid persona.

Lastly, we have Rose Leslie, who you might best know as the hot red head from Game of Thrones who got it on with John Snow. Her role is the most different from the one you know her best from. She doesn’t play a bad ass wildling, but she does play a determined bar owner Wiccan who really ought to invest in commercial fire insurance.  Just saying…

The movie very craft-fully took the things you like most about other movies and hodge-podged them all into a single film. Plus, it has Vin Diesel. What’s not to like?

All in all, I give Witch Hunter a D for originality, a B+ for entertainment value, and a B+ for acting.

Business and Finance, Home and Living, Movies, Politics, Review, Society

99 Homes: Movie Review

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A little late I know, but better later than never, right?

99 Houses was a very different movie from anything I have ever seen. It stars Andrew Garfield, the short lived Spider-Man star. It also stars Michael Shannon, the guy who played General Zod in Man of Steel, but you might also mention him from a dozen other works like 8 Mile, Iceman, and Boardwalk Empire.

The story is about Dennis Nash (Garfield), a young blue collar man trying to single handedly raise his son and his mom in a rough economy, in the midst of losing their home. That wasn’t a typo.  Dennis practically raises his mom, who acts more like an irresponsible 19 year old daughter who dropped out of high school and is going to a trade school, than a mother.

Nash loses his home to the bank, and his eviction is overseen by a strict, no nonsense real estate developer, Rick Carver, played perfectly by Michael Shannon.

After initially losing his home, Nash despises Carver and naturally sees him as the person responsible for his misfortune. However a chance encounter with some of Carver’s home-flipping laborers turns into small time, small paying labor jobs. In short time Dennis Nash has a lucrative career not only working for his former nemesis, but along side him.

In the trailers, Shannon’s character was portrayed as this evil, corporate, heartless business tycoon who steps on the innocent, hard working little man Dennis Nash, for his own greed. After all, that is the song being sung by almost everyone in the country these days, regardless of your political affiliation. The narrative being painted today is that homeowners are all saints who have done no wrong, and financial institutions are all secretly owned by Hitler death squads.

You definitely do sympathize with Garfield’s character. The movie pulls no punches in the heart area, when you are forced to watch this dad get kicked to his hands and knees, and struggle to support his family.

But interestingly, over the course of the movie the character I really took a liking to, was Shannon’s character Rick Carver. Yes, I liked the “bad guy” more than the “good guy”. Was the guy a stone cold hard ass? Yes. But he was also a smart, hard working son of a bitch. He was also a loving father who wanted nothing but the best for his children. But he also did everything he could to teach Nash how to earn, spend,and invest his money properly.

Without spoiling the movie too much, this is perhaps the most interesting part of the film. Despite our cultural views of bankers, businessmen, and wall street, this movie attempts to show you a different angle, and in many ways approaches a paradigm shift between the contemporary views of “good guy” and “bad guy”. In fact, I didn’t think Carver was the bad guy in the movie at all until a hiccup at the very end of the movie, but again, no spoilers here!

Our two leads did an amazing job. You forget about Garfield’s most recent web slinging hurrah and you really do see him as a father trying desperately to make ends meet for his family. His grief, his stress, and his struggles are portrayed perfectly, and you feel every ounce of emotion Garfield brings to the set.

Michael Shannon of course needs no introduction. This actor has always floated in that narrow corridor between A-list and B-list actor. He acts better than most A-list stars but just could never get the cinematic boost needed to rise into full stardom. Nonetheless, I couldn’t have thought of a better actor to take on the roll of the tough as nails Rick Carver. Shannon’s intensity, and rigidity make him a one man force of nature, and his presence on screen is heart stopping.

I highly recommend 99 Homes to anyone who wants to see a genuinely well written, well casted, well acted, and well directed movie. No negative feedback about this movie whatsoever. 5 stars.