“Just a Rude person you are” Fun and Frolick with President Lysol


“Fun and Frolic with President Lysol”

In an attempt to strengthen his support with women voters.   President Lysol attacked yet another female reporter.  On Tuesday, CBS”s Paula Reid asked him “why he has yet to announce plan that would get the millions of Americans seeking unemployment aid amid the pandemic back to work?”  Lysol: “Just a rude person you are” We’re opening up our country and we’re opening it up very fast.” “It’s opening up very effectively,” he added. “When you see the numbers I think even you will be impressed, which it’s pretty hard to impress you.”


Desperate Times Requires Desperate Measures


Hiya Bubba”

As President, Lysol is constitutionally immuned from criminal prosecution.   However, when he leaves office he faces a host of criminal charges.

10 years, is what he faces for obstruction of justice when he withheld military aid to Ukraine to pressure them to investigate his Biden’s son and soliciting campaign donations from foreign nationals  If he is reelected these charges go away as the statute of limitations is five years on a obstruction of justice charges.

Oh Stormy McDougal! 

OOOOOOOOOOh, Lysol…. first you didn’t know her, then you never knew her, then you knew of her.  His words and memory issues are captured on High Definition.   He referred questions about the women to his attorney Michael Cohen who wasn’t really his attorney, but did attorney things for him.

Who later told the country Lysol, knew both women and the payoffs were authorized by Lysol.  Last May, Lysol’s memory returned (it was a miracle) and he admitted paying Stormy Daniels to zip her mouth about her alleged 2006 sexual encounter with him.

Lysol asked a friend who’s company runs the National Enquirer  to help him silence Karen McDougal who sold the the story about her alleged encounters with citizen Lysol in 2006 after his wife gave birth to his son.  (2006 was a very busy year)

With Lysol admitting he made the payments, he faces a varying degrees of legal trouble, from a felony campaign-finance violation to filing a knowingly false financial disclosure. Something that carries up to a $50,000 fine and a year in prison or more for each count.

These are just three of many legal challenges the President faces after his term in office.

Throwing mud against the wall is not a viable marketing approach ...

The quick Rise and fall of Obamagate  

On May 9, CNN reported that Obama had labeled Trump’s pandemic response “an absolute chaotic disaster” the day before, on a call with alumni of his administration. Early the next morning, as part of a long string of Mother’s Day tweets—as these rants exceed themselves, it’s become more and more difficult to find superlatives to adequately describe them—Trump retweeted a user who had mentioned “Obamagate.” The term has quickly become part of Trump’s vernacular.  The Atlantic 5/15/20

Since then, President Lysol. has thrown everything at the Former President hoping something would stick.   Calling Obama a crook. suggesting the Democratic Congress a Congress  he calls Lysol haters. who cant be trusted, investigate members of the Obama administration to get the truth!  He believed that Obama should be called to testify.  “Not happening”

On conservative talk radio.many Republicans Politicians have suggested any gasps, any I don’t remembers is an admission of guilt!  (He didn’t remember the color of the dress his mother wore on  November 7th 2012, its clear he is hiding something!)

They have claimed that Obama and some of his aides asked for Michael Flynn’s identity to be “unmasked” in intelligence reports about conversations with the Russian ambassador, ignoring the fact that these people couldn’t have known it was Flynn until he was unmasked.  

So far, nothing has stuck….. Obama gate has about five or six days left.

At War with Covig-19

Trump wears mask with presidential seal during part of Ford plant tour

This picture could be removed at any time.   This is probably the only time you will see President Lysol with a mask on.    This picture was taken on Thursday at the Ford manufacturing plant in Michigan.   The President removed the mask as the TV cameras appeared as he didn’t  want to be seen with the mask on.

Covid-19 is more of a threat to his Presidency than Biden and he is a war with the virus. With a wink of his eye, he is encouraging his base to ignore the CDC guidelines.  He is encouraging civil unrest to force those states to reopen and the economy to get started.

Many large company have reopened. Some meat plants with high infection rates have demanded their employees return to work.  Many large manufacturing and food processing plants are administering tests, they are demanding their employees return to work before having the results of these test. Thus possibly infecting non infected people who may infect others in the community…… makes sense right?

The administration has gagged members of the CDC limiting their access to the press.

President Lysol, is a germaphobe who, based on history is likely to be terrified of the virus. To follow the CDC guidelines could confirm he mishandled the pandemic.  On Monday few days ago he stunned the press saying he was taking the malaria drug hydroxychloroquine. Studies have found that the medication can have serious cardiovascular side effects and FDA has warned against its use related to coronavirus.

Lysol Attacks a Battleground State

The Wisconsin experiment failed. The Republicans forced Wisconsin’s to stand in the weather to discourage turnout backfired.   Lysol is doubling down in Nevada and  Michigan by threatening to withhold federal funds if the state moved forward with mail in voting.  He has no proof, but who needs proof ! He is currently trailing in by five points in Michigan and four points in Nevada.



Get Biden! Hunter Biden (Part 3) Senate panel approves subpoena in Hunter Biden probe.

The Senate Homeland Security and Governmental Affairs Committee on Wednesday voted 8-6 to subpoena Blue Star Strategies, a lobbying firm that was a consultant to Burisma, a gas company in Ukraine that paid Hunter Biden to serve as a board member.


See ya next week with more fun and frolick with President Lysol


Last Week



Trump admin. warns Americans not to inject disinfectant after ...











I Will Not Be Attending Your Exhausting Zoom Gathering

A laptop open to a video chat with four different people. The picture in one of the four screens is laggy and breaking up.
Photo illustration by Slate. Photo by Getty Images Plus.

At the beginning of this stretch of self-isolation, I craved the sight of my loved ones’ faces. Seeing them on my laptop screen and hearing about their lives would briefly drive out the loneliness and disorientation of my newly apartment-bound life, lending my day a pretense of normalcy that would last for hours after our calls. But over the nearly two months that I’ve been replacing cocktail parties and dinners out with Zoom chats, I’ve noticed a change. Specifically: Zoom hangouts drive me nuts.

I’ve tried to parse what makes Zoom so exhausting for me. I feel like an emotionally bereft alien struggling to comprehend the mysteries of human connection. What makes a meatspace gathering a life-affirming source of intimacy, and a digital one a simulacrum? Hugging my friends is nice, but really, seeing and hearing them—and having them see and hear me—is what I like best about our time together. If I can do that just fine on my computer, why doesn’t it feel the same?

My internal alien has identified the lack of normal eye contact as one central pitfall of the video-chat experience. Talk to someone over FaceTime or Zoom, and they’ll never quite meet your eyes. They’ll spend the call looking at their screen, a few inches below or to the side of their camera, giving you the perpetual feeling of trying to get the attention of someone who’s ever so slightly preoccupied. Once, on a Skype call many years ago, a friend looked directly into her camera to say something heartfelt to me with the approximation of true eye contact. The effect was jarring: I didn’t fully realize that we hadn’t been making eye contact until she was suddenly staring straight into my soul from inside my screen. She was gazing at her computer’s eye, not mine, and could actually see less of my face than when she was looking at her screen, yet I felt strangely, uncomfortably exposed. When I recently tried it on a video call with my niece and nephew in an attempt to make them laugh, it gave me the unsettling impression of carrying on a conversation with HAL 9000, who’d been watching me watch the kids throughout our call. (FaceTime, perhaps even more eerily, has a new feature that attempts “eye contact correction” to make it appear you’re looking directly at each other, even when you’re not.)

Even if you don’t think you miss locking eyes with your loved ones or colleagues, your brain might. Eye contact plays a documented role in successful human communication. One 2017 study from the University of Cambridge found that when infants and adults locked eyes, their brain waves were better able to “synchronize”; a 2019 study from the National Institute for Physiological Sciences in Japan suggests that eye contact primes the brain for empathy. We’re also accustomed to picking up on messages our interlocutors send with their bodies, which give us clues about their comfort level, the direction and intensity of their focus, and whether they’re preparing to speak. “A typical video call impairs these ingrained abilities, and requires sustained and intense attention to words instead,” Julia Sklar wrote in a National Geographic piece about “Zoom fatigue.” Whether a viewer’s screen displays several participants in a conference call or just one, according to Sklar, “the brain becomes overwhelmed by unfamiliar excess stimuli while being hyper-focused on searching for non-verbal cues that it can’t find.”

This gets at another reason for video chat fatigue, the opposite of the eye contact problem: You have to look at each other’s faces the entire time! There are rarely natural breaks in conversation on Zoom, as there might be during a typical group dinner or coffee date, and it’s much harder to have a comfortable silence (or manage an uncomfortable one) when all parties are staring at one another nonstop. There’s no peeking out a window, no studying a menu, no people-watching, no helping out in the kitchen or asking about a host’s record collection. There’s only talking, and in a video chat with more than two participants, striking a normal conversational rhythm is nearly impossible. Add in differing internet lag times and the inability to hear multiple people speaking at once, and every group discussion becomes group “monologuing,” as Ashley Fetters termed it in the Atlantic. The patron saint of lively repartee rolls over in her grave with every “Wait, what was that?,” “Sorry, you go ahead,” and “Hang on, you just froze.”

Then there’s the part where I have to look at myself. In real life, entire minutes can pass by without my thinking about the angle of my chin, the texture of my skin, or the shadows under my eyes. It’s much harder to feel fully immersed in the company of family or friends when my attention is split between the content of a conversation and a moving image of my own face. Each glance to check whether I’m properly framed in the video feed takes me out of the exchange, redirecting some of my scattered focus back toward myself and inhibiting the ego suppression that marks moments of true intimacy.

Don’t get me wrong: I’m not opposed to being looked at. In fact, since the start of the COVID-19 lockdown, I’ve developed a new appreciation for the now-lost joys of seeing and being seen in person. Occasionally, before a Zoom call, I’ll put on a glitzy dress and mascara to mimic the anticipatory buzz of getting ready for a night out. But video chatting offers the worst of both worlds when it comes to this peacocking: I don’t get a break from looking at myself when I enter a room with friends, and they can’t fully appreciate my eyeliner. I’m more conscious—and, sometimes, critical—of my own appearance, and none of us can see one another’s shoes.

In other words, on a video call, there’s too much information about the self, and not enough about the others. Fully aware of my every fleeting facial expression thanks to my front-facing camera, I find myself overemoting to make sure my reactions come through when those little verbal assents and acknowledgments that keep conversations flowing get lost. Social instincts that usually require little conscious effort are now taking up space in my brain, draining the energy I used to devote to the substance of a conversation.

If all this sounds like I’m expecting far too much of an already futuristic and undoubtedly valuable technology, that’s because I am. Video chatting used to be an upgrade on the alternative: Why would I email my friends who live in Bangkok when I could see their smiles, their new apartment, and their newborn? To be able to converse face to face from opposite sides of the planet, with crisp video quality and only a minimal time lag, seemed like a miraculous gift of the tech age. But these days, when video chatting has to stand in for a whole social life’s worth of in-person contact, it feels like a massive downgrade. Every Zoom call brings a painful reminder of what quarantined life is missing. There’s no cruising at the virtual sex party, no quiet side conversations at the virtual group dinner. The virtual disco is a depressing grid of homebound people staring at their screens from behind their coffee tables, watching themselves dance for other people who might not even be looking at them. At the virtual birthday party, it’s impossible to sing to the honoree in unison. When I hit the “leave meeting” button, I’m back where I started: lonely and alone, missing my friends, facing down the device I associate with all my most stressful work hours and consumption of bad news.

Sometime during my third week of lockdown, I realized I was starting to get comfortable with my new normal. My wife and I had found a more sustainable working-from-home rhythm, I no longer felt deflated when I’d remember I had no weekend plans, and I enjoyed the extra time to cook and read. As I read about restaurants and theaters struggling to stay afloat while shut down, I began to worry that even when public spaces could safely reopen, people would’ve gotten so accustomed to spending their free time at home and socializing from afar that they’d fail to return to those local gathering places. I kept thinking about something my remote-working Slate colleague and former Dismemberment Plan frontman Travis Morrison said at the beginning of our work-from-home spell, about spending too much time in front of a screen: The computer, he said, “can start to seem like the thing that the world is in.”

For many of us, the world inside a computer will prove an inadequate scratcher of our most basic human itches. Now that I’m surpassing two months of social isolation, I no longer fear for the future of IRL gatherings. For one thing, my comfort in quarantine ebbs and flows. (One day, I’m happy to eat a nice lunch at home rather than an overpriced salad at my desk; the next, I’m crawling out of my skin, craving a messy night out.) More important, this quarantine has given 21st century humanity its first glimpse at what it might feel like to confine even more of our lives to the world behind the screen—and it’s a deeply unsatisfying view. Video chatting is exhausting. Livestreamed events are a snooze. Turns out virtual life is a sorry substitute for a real one. Maybe that’s a good thing.

It’s just clothes


NYFW: Kenneth Nicholson Autumn/Winter 2020 Collection – PAUSE ...Designer Kenneth Nicholson

A billion years ago when I was in college. I went to a local church where I was the only black person in the congregation. Most members of my family attended this National church across the nation and this church was near my apartment across the street from the University. While I was very aware that I was the only black person in the congregation it didn’t bother me. It did bother some members of the congregation particularly some older members who suggested I would be more comfortable in a church across town where people look like me.

There are some differences between black churches and white churches. At a black church it’s often about fashion.   I remember my mother’s spending hundreds of dollars for her Sunday’s best. Fur collars,fur sleeves and a matching fur hat. I remember as a child wearing suits to church.  In the 60s there was integration of churches ,where some black members attended white churches and occasionally white members would attend a black church. Our first foray to a white church was shocking ,as the parishioners dressed plainly compared to a black church.  My mother was shocked to see young boys in blue jeans on a Sunday morning at church ,this was seismic and her world was shakened.   She spent hours sharing everything she saw with her friends. The following week we returned to the church with witnesses. Visiting that church had an impact on my mother and her focus on fashion. No longer did I have to wear suits with a shirt and clip on tie to church. 

In black churches and other churches in the south.  People wear their very best to church. I understood it was pleasing God, but what if what if rags were the best you have?  Does it reduce your chance to get to heaven?   If you look at some of the old pictures of black people in church everyone was well dressed , women wore the finest in dresses and Men in suits and hats.


Throughout America, women of all races and backgrounds wore dresses and skirts.  Women wore pants at home to work around the house but rarely did you see women wear pants outside the house. 

In the late 60s early 70s there was Revolution taking place in America.  Everything was changing, attitudes,clothing. Women going without bras and with men wearing bright colors.  Denim became fashionable in the 70’s.  Calvin Klein ,Gloria Vanderbilt designer jeans. This angered traditionalists who believed women should only wear dresses and skirts.  There were many people who believed that only men should wear pants and there only certain women who wore pants, women who wanted to look like men (Code for Lesbians) 

Back to Church

So after 35 minutes and two bus transfers I arrive at the black National Church across town. The Topic that Sunday morning was fashion.  The Preacher was not much older than myself.  He believed that it was wrong for young women to wear pants. A respectful young woman should wear a dress and if she chose to wear pants then she deserved anything that happened to her including rape!  His words shocked me!  Never had I  heard anyone speak like this in any church!  Someone deserving to be raped! 

His words haunted me through the day.  I called the best sunday school teacher I knew, my mom,who reminded me he was a man and not God. She always told me never follow,  believe in God as he is the final judge.   Shortly after that, I stopped attending that National Church , it no longer represented who I was as a person.  All my life I was told God loves everybody but at the church I was raised in if you didn’t look a certain way you weren’t welcome. If your background was tarnished or if you were unmarried with child you weren’t welcome. Where was universal love?

After many years of searching, I accidentally found the church I looking for where, everyone was welcomed.  Black, white, latin, asian ( fill in the blank)  It is filled with everyday people. People who have substance issues, to Professors to Corporate Executives are welcome .At this Church. you may come across a man wearing a skirt and a woman in men’s pants sitting next a man in an expensive suit.

Time changes and change is difficult. In the last few years we are seeing a change in fashion, Menswear is changing, blurring the lines between masculine and feminine and just as it was in the seventies it’s making people uncomfortable. I can’t imagine myself in a dress or some of the new designs and that’s my choice. But there are other men who are comfortable  and that’s their choice.  These choices will make a lot of people uncomfortable, because it outside of what they perceive as normal.  Some will assume a man in a dress is gay or deviant.

What we wear isn’t a reflection of who we are as person. Cant determine  ones integrity, if they have a kind heart,or their profession. At end of the day, its just clothes. 


How to Think Better

Not all thinking takes place in your head.


Photo by Audtakorn Sutarmjam / EyeEm / Getty Images.


By: Scott Young

Imagine if you could take a pill that would double your intelligence. What would that feel like?

You’d be able to keep more thoughts in your head. You could draw new connections between ideas. You could solve problems you’ve been stuck on for years.

Such a pill may not exist, but there already is a cognitive enhancing tool, and it doesn’t require brain-altering drugs.

Writing to Think Better

Writing your thoughts is the key to better thinking.

Cognitive scientists believe that working memory is one of the major components of intelligence. Working memory is like the RAM for your mind. It consists of all the things you’re keeping in mind simultaneously.

A common test of working memory is the n-back task. In this test, experimenters will repeat a string of digits and then, at a random point, ask you to recall the input from n steps previously.

This test is hard because the numbers you need to repeat back will keep changing. You need to hold all the current numbers in your head, without forgetting any of them.

People who can hold more numbers in their heads, have higher working memories and are often more intelligent generally. Being able to keep more things in mind at the same time is a big part of what makes some people smarter than others.

Now consider that, if one change to the test were made, performance would become almost perfect, even if the n-back test was asking for the last one hundred or ten thousand digits. That change? Allowing participants to write down the numbers as they hear them. Now reciting off huge lists of numbers is trivial, no matter the length.

Paper as an Extension of Your Mind

While writing may not literally increase your working memory, many cognitive scientists now believe that such external representations may form important parts of our cognition. This externalized cognition extends the space of thinking and literally makes us smarter, even if our brains are just the same as before.

Just as writing helps with numerical and mnemonic tasks, it can help you think more clearly about your life problems as well.

First, by jotting down your thoughts on paper, you can hold more ideas than you could in your limited working memory. This means you can more easily work through thoughts that have several parts which are difficult to keep in mind simultaneously.

Second, writing allows editing. If I write down an idea, then later notice a contradiction further down the page, I can go back and edit it. Editing mentally quickly becomes exhausting as, like in the n-back task, the old information interferes with the new.

Third, writing allows for longer thoughts. Have you ever had a conversation where, as you were listening, you forgot the point you were eager to make? Ideas bubble up and pop all the time in our minds, it’s only with writing that you can capture it.

How to Start Thinking Better

There’s a few ways you can improving your thinking with writing:

1. Have a written meeting, before your face-to-face one.

Are you going to discuss something with colleagues? Pretend the meeting isn’t happening and that you need to communicate your plans entirely via email. Draft up an email with your thoughts.

It doesn’t matter whether you send the email or not. Having thought through your ideas clearly, you’ll be able to communicate them intelligently when the meeting comes.

2. Vexing problems should start with paper and pen.

Are you struggling with an important problem in life or work? Your first instinct should be to get a piece of paper and start writing it down. Jot down all the elements of the problem, including all your different ideas for a solution.

Many problems which feel overwhelming are suddenly simplified once you write them down.

3. Confusions are cleared up by writing down explanations.

One of my most popular studying tactics was the Feynman Technique. This technique boils down to using writing to make it easier to understand hard problems in math, science and other subjects.

Often, simply the act of writing down an explanation will resolve confusions. This is because the different components of the ideas are too large and numerous to stitch together into a completed understanding. Writing it down solves this capacity constraint and allows you to piece together a completed idea.

Writing Doesn’t Record Your Thoughts, It Is Your Thinking

James Clear, a friend of mine and bestselling author, once told me that he doesn’t write to record his thoughts, but to figure out what he even thinks about a topic.

I feel the same way. Without writing, it isn’t simply that I would have tons of unrecorded ideas, bumping around in my skull, but that those ideas wouldn’t exist. They are created by the act of writing, much more so than they are being recorded.

If you don’t write regularly, the quality of your thinking suffers. Writing gives you access to an external brain, sharpens your ideas and makes your thoughts smarter.

Consider this: Take whichever problem you find most challenging right now. It could be a life problem, relationships, academic or professional. Try writing about it every day for the next thirty days. You’ll be surprised at how many difficulties disappear once you’re able to write about it..

Howard Stern says he hates Trump Supporters

I’m a fan of Howard Stern, a man known for speaking his mind.   Earlier this week he went after a sizeable part of his fan base, the young Trump Supporter.

Donald Trump has been on the Stern show more than two dozen times.  He has been a vocal critic on President Lysol’s handling of the CoronaVirus. He has encouraged the President in inject himself with bleach on air, he mocked Trump supporters and told them they should drink bleach and die,

Stern said the President has asked for his endorsement.   Stern announced this week he is supporting Joe Biden.   The blow back has been mild so far with Lysol, Jr calling  Stern’s opinions “disappointing,” and said that in fact, Trump won the election because he relates so well to blue-collar workers, who he has worked with his entire life.    There’s a reason why you see guys within our company, even today, they started off as construction guys, started off as drivers, and they’re like executives because he gave them a chance.

He also said that Stern “got a taste of Hollywood,” and is attacking Trump to try to stay relevant.   On Twitter, Lysol Jr called Stern pathetic, a “neutered shell of his former self,” and a politically correct person that Stern of two decades ago would be ashamed to see. It’s one thing to attack my father, but Stern is pathetic for attacking Trump supporters These are salt of the earth blue-collar patriots who just want to live their American dream. My family is proud to have their support & we’ll always have their backs!

Another fun moment with President Lysol (This week ObamaGate)

Trump admin. warns Americans not to inject disinfectant after ...

Men and women boys and Girls, Its that time again to play President Lysol’s favorite GAME


Drag Race Lol GIF by RuPaul's Drag Race

President Lysol’s Rules: Come up with a theory.  Ideally off the top of ones head.  Repeat the theory as often as possible.  If someone questions you or wants you to connect your theory to a fact.

      1. Tweet your theory.   2. Punt, reassure them that is coming and it will be big. 3. Attack and humiliate.  ” Oh your asking a gotcha question. ” Why are you asking such a mean question “and than belittle their qualifications and the news organization they work for.   (5 bonus points if its a woman.  25 bonus points if its a woman of color -Minus 5 bonus points if its RT,  Minus 25 bonus points if its Fox News)   4. Continue to Tweet, and recruit other Republicans to support your theory. 5. Quietly retreat, if your theory fails to gain traction. Replace with another Distraction.



President Lysol, needs a distraction. The daily Covid-19 hearings have taken a toll on his polling numbers in many red states and there are many Republicans candidates who believe his negatives are pulling down rest of the Ticket.   In a recent CBS poll ,when it comes to Covid-19,  62% of Americans trust Fauci, while just 38% trust the president.

While the President is currently leading in the battleground states ,he is currently losing in the Republican Strongholds of Florida, Texas, and Arizona.   He needs to attach Obamagate to the pandemic and former Vice President Biden.  However there are cracks in his master plan as Senate Majority Leader Mitch McConnell backed away from the President, admitting yesterday that Obama did leave a plan.

Theory By CityFella

The General Michael Flynn portion of the program.

Before he took the oath of office.  Lysol, was warned about Michael Flynn by the Obama Administration.   But of course he knows more that the other experts who had information regarding Flynn and the Russians and added him to his administration.

Flynn lied to the FBI.  Lied to Vice President Pence. Lysol confirmed the lie.  Flynn admitted he lied.  The smoking gun is the list of Officials who wanted to know the identity of the person speaking to the Russians. The problem with the gun, is connecting the dots. Were the actions of those officials unlawful?

On Wednesday……..

Washington Post Reporter, Phillip Rucker asked President Lysol……


“What is the crime exactly that you’re accusing Obama of?”


“You know what the crime is. The crime is very obvious to everybody. All you have to do is read the newspapers, except yours.”

South Lake Tahoe says stay away

Lake Tahoe Activities - Things To Do in South Lake Tahoe


The Tahoe Basin, which sits in California and Nevada is a popular tourist destination.  The area has struggled to keep tourists away despite California’s stay-at-home order.

As El Dorado County continues moving into Stage 2 of reopening, more and more businesses are opening their doors, including dine-in restaurants, provided they meet certain safety requirements.

While this applies to South Lake Tahoe, as well, it doesn’t apply to tourists or people coming to the city for nonessential travel. The city put into place a $1,000 fine for short-term renters to curb nonessential travel to the region.

South Lake Tahoe Mayor Jason Collin said he could not estimate when the city might reopen to tourists. “I can almost guarantee we won’t be open by Memorial Day,” he said.

Beaches will reopen this weekend.  Parking areas, restrooms will be closed.  Only Tahoe area boats with a Tahoe sticker will be allowed on the lake.

However, that’s on the Cailfornia side.  On the Nevada side resturants and other business are open.  The Casinos are closed .








Love & Hip Hop Atlanta’s Maurice Fayne charged with Federal Bank Loan Fraud

Love & Hip Hop: Atlanta's Mo Fayne charged with bank fraud after ...

Love & Hip Hop Atlanta star Maurice Fayne (” Arkansas Mo” ) went shopping.  He leased himself a 2020 Rolls Royce, bought himself A Rolex, a dimond braclet, and 5.73 caret dimond ring all totaling $85grand.   And for his family, he paid 40 grand to catch up on some of those pesky child support payments.

The money he spent was a loan from the feds. The Paycheck Protection Program was from the federal program designed to keep struggling businesses afloat amid the COVID-19 pandemic.

The money was for his transportation business, Flame Trucking. On his application, he requested more than $3.7 million for his company, he said he had 107 employees and a monthly payroll of nearly $1.5 million.  Fayne certified that the loan proceeds would be used to retain workers, maintain payroll and make payments.

After he received loan he went shopping. When he met with the Feds earlier this month he told them the money was for his company and he told them he didnt use the money for himself.

Monday, they searched his home and seized nearly 80k in cash, including some $9400.00 in his pockets,  The feds seized more than a half million in his bank accounts.

Fayne was charged with federal loan bank fraud.


10 Shameful Myths About Fat Women And Obesity You’ve Probably Always Believed Were True

Photo: Getty

10 Body Shaming Myths About Fat Women & Obesity That Are Bad For Your Health

By: Leora Fulvio/via YourTango.com

You might be surprised.

I’m really sick of hearing people saying… “If so-and-so knew what she was doing to her health, she would just stop eating and start exercising.”

Or, “Why can’t so-and-so stop eating?” Or, “So-and-so is setting such a bad example for her children!”

Let’s set the record straight about fat women — because body shaming people who are overweight or obese doesn’t help anyone.

This is especially important considering that the link between Body Mass Index (BMI) and health is unclear at best.

In fact, BMI measurements were never intended to be used by doctors the way it is today.

“The person who dreamed up the BMI said explicitly that it could not and should not be used to indicate the level of fatness in an individual,” writes Keith Devlin, Director of the Stanford Mathematics Outreach Project in the Graduate School of Education.

The BMI was introduced in the early 19th century by a Belgian named Lambert Adolphe Jacques Quetelet. He was a mathematician, not a physician. He produced the formula to give a quick and easy way to measure the degree of obesity of the general population to assist the government in allocating resources. In other words, it is a 200-year-old hack.”

In addition, Devlin explains that the concept of BMI is “scientifically nonsensical” and “physiologically wrong,” as, among other numerous issues, “it makes no allowance for the relative proportions of bone, muscle and fat in the body. But bone is denser than muscle and twice as dense as fat, so a person with strong bones, good muscle tone and low fat will have a high BMI.”

Even if you’re not convinced that BMI is a faulty measurement, there are plenty of other myths about obesity and fat women that are worth considering in a new light.

Here are the top 10 fat shaming things people say about obese women that just aren’t true:

Myth #1: Fat women should be educated on how to eat better.

Not true. In fact, because popular society is constantly reinforcing that being a woman of size is undesirable, many women of size have a Ph.D.-worth of knowledge of food, calorie intake, and exercise. When you are an obese woman, you are reminded of it constantly.

Your doctors (and others who like to act like they are) tell you that any ailment will be solved with exercise and proper diet, and sometimes people yell shitty things at you in the street. Friends often try to be “helpful” by giving you pointers on diets.

Trust me, a woman who has been dealing with obesity knows more than her doctor does about nutrition, so having information and knowledge about calories, carbs, fat, etc. isn’t what she needs more of.

Myth #2: Fat women should just get to the gym and exercise.

This is totally ridiculous. First off, there is such a thing as being fit and fat.

The Health at Every Size movement aims to remind us that it’s okay to stop focusing on weight loss and let yourself be healthy first and foremost. Many women of size are fit and do exercise often.

Why don’t you see many fat people at the gym or out jogging? Gee, I don’t know, maybe some people don’t like being fat-shamed, made fun of, stared at, or condescended to.

Saying things like, “Hey buddy! Good job! You’re doing great!” or even “You go, girl!” are not helpful.

Myth #3: Fat women are “easy.”

This is disgusting. I take a lot of issue with any woman no matter what her size being called promiscuous or anything like that.

I can’t even go into why this misperception makes me so angry. A woman of size won’t just take any scraps she can get just because of her size.

Why does that idea persist? I don’t know. But I want to go on record saying that a woman of size has as much discretion and intelligence as a skinny woman.

Most women want to find a kind, loving partner to be with. There are no statistics available that prove obese women are more promiscuous than smaller women.

Myth #4: Fat women are setting terrible examples for their children.

Being self-hating, self-berating, and self-critical is setting a poor example for your children, and a mother doesn’t have to be obese to do that.

Making an effort to love yourself and love your children exactly how they are — regardless of body shape or size — is a great example to set.

When you love yourself, you take care of yourself. Taking care of yourself doesn’t mean being skinny, it means eating lots of healthy food often and less healthy food in moderation, exercising in ways that work for your body, and being kind to yourself both physically and psychologically.

Myth #5: Fat women are de facto unhealthy.

You can’t judge how healthy someone is by looking at them or weighing them. Blood tests, energy levels and quality of life is a better indicator or health.

One study found that “elevations in metabolic risk factors are much more strongly associated with mortality risk than obesity.”

That is to say, regardless of your weight, those blood tests and other objective measures of health are much more telling about your risk of death than your BMI.

So, yes, you can be obese and healthy!

Myth #6: People are fat because they all have binge eating disorder.

This is just not true.

Studies on binge eating disorder (BED) have found that weight “is not a risk factor for BED in and of itself. People with binge eating disorder can be overweight, obese, or a healthy weight.”

You cannot tell who has an eating disorder based upon how a person looks — including binge eating disorder.

Myth #7: Fat women have no willpower.

I’d venture to say that the opposite it true.

As I said above, many women of size have been on multiple diets and willed themselves down over and over and over again. But as we know, restrictive diets don’t work in the long term.

In fact one of the prevalent myths about fat women is that they would be healthier if they only lost weight. In truth, it’s hard to keep weight off using starvation diets or extreme exercise, and yo-yo dieting often results.

Multiple studies have shown that yo-yo dieting (technically called weight cycling) is actually terrible for your health! What’s more, fat-shaming simply doesn’t work!

Myth #8: Fat women have low self-esteem.

Lots of women have low self-esteem and body image problems — not because they are fat, but because we are constantly bombarded by a media that tells us we are not good enough.

Being thin doesn’t make a woman immune to low self-esteem, and being larger doesn’t make a woman more likely to have it.

Self-esteem is an inside job. It’s a practice of letting go of beliefs about yourself that the outside world has given you that tells you it’s not okay to be you. You don’t need to let go of weight to let go of beliefs that affect your confidence.

Myth #9: No one will marry a fat woman.

That’s just stupid. Just look around.

Myth #10: Fat women should go on diets.

No one should go on a diet — ever. Most people who go on diets will gain the weight back. In fact, many people who start out at a lower weight go on diets which then trigger eating disorders and weight gain.

As researchers studying weight cycling and yo-yo dieting found, “One- to two-thirds of weight lost is often regained within one year, and almost all the lost weight is regained within five years.


Leora Fulvio, MFT, is a California-based licensed Psychotherapist and Certified Clinical Hypnotherapist specializing in the treatment of eating disorders, body image issues, self esteem and self worth issues and couples couseling. Visit her website for more information.

Autos: The least and most to insure

2020 Mazda CX-3 Color Options - CarsDirect


It’s official, the Mazda CX-3 came out on top this year as the least expensive 2020 vehicle to insure in our annual ranking of new models.

Every year, Insure.com compares car insurance rates in every state for approximately 3,000 different vehicle models to find both the cheapest and most expensive vehicles to insure.

We pulled insurance quotes from six major insurance companies and averaged the premiums, so you have an accurate estimate of what it costs to insure the car of your dreams.

The CX-3 moved up from a fourth-place finish last year to take the checkered flag. The CX-3 costs a mere $1,324 to insure which is a whopping $580 less than the national average of $1,904. The national average crept up $92 this year which is an increase of roughly 5 percent. The Honda CR-V LX was second with a premium of $1,333 and the Jeep Wrangler Sport S rounded out the top three.

In years past, SUV and CUVs dominated our list of least expensive cars to insure and 2020 is no exception. There were 15 SUVs and CUVs in the top 20 as well as five vans, one sedan and one pickup. There were a number of ties which is why those numbers add up to 22 instead of an even 20.

The other side of the list is made up of high-end sports cars and luxury rides that the majority of us will never be able to afford. This year, like last year, a Mercedes was the most expensive car to insure, the AMG GT-R will set you back $4,082 a year for insurance, or $141 more than last year’s winner, Nissan’s GT-R that placed third most expensive this year.

Enough chit chat, let’s have a look at how least and most expensive vehicles to insure this year.

Most and least expensive cars to insure in 2020

Least expensive vehicles to insure

The Mazda CX-3 Sport jumped up from the fourth-place spot to grab the brass ring and it’s slightly larger sibling the CX-5 tied for the eighth spot.

The CX-3 is a small CUV that is popular with families and comes loaded with safety features. The 148-horsepower engine will get you around but it’s not powerful enough to impact your insurance premium.

“Given Mazda’s track record for reliability, I am not surprised to see the CX-3 Sport as one of the most affordable vehicles to insure. When equipped with Mazda’s Smart Brake Support and Adaptive Front Lighting technologies, the CX-3 earned an IIHS Top Safety Pick in 2019. This rating is among the many reasons why the CX-3 is affordable to insure,” says Carl Anthony, Managing Editor at Automoblog.net.

Kelsey Mays, senior consumer affairs editors of Cars.com, agrees that the Mazda CX-3 “can be affordable to insure and buy. It starts well under $25,000, even with all-wheel drive. Still, in testing for 2020 by the Insurance Institute for Highway Safety, the CX-3’s automatic emergency braking gets respectable ratings against both vehicles and pedestrians. The system is also standard, not optional, which is nice to see in this class.”

SUVs continued to dominate our list which mirrors the market in general. According to data from Marklines, truck and SUV full-year sales were up 2.6% to 12,234,492 units, while passenger car sales were down 10.1% to 4,813,233 units for 2019. Year-end data shows that large SUVs, small SUVs (this includes CUVs) and pickup trucks made up 61.4% of all auto sales in 2019 and our list reflects that with all of the top 10 least expensive to insure vehicles being SUVs expect for the Honda Odyssey. Only one car made our list, the Honda Fit LX Sensing came in at number 11.

The Honda CR-V LX came in second with an annual premium of $1,333. Honda managed to put three vehicles in the top 10 (The CR-V, Odyssey and the HR-V LX) and a whopping five models in the top 20.

“In recent times, Honda has really drawn attention to their Honda Sensing package, a collection of advanced safety features. Honda Sensing is widely available across their product line regardless of trim level,” points out Anthony.

Mays notes how the package is now standard. “The CR-V’s base trim level hits a tried-and-true formula: It’s relatively affordable and loaded with standard safety equipment.  Lane-departure warning with steering assist is newly standard for 2020, as is forward collision warning with automatic emergency braking. The latter system is effective, too, securing top IIHS ratings against both vehicles and pedestrians.” Advanced safety features help prevent crashes, which prevents claims, leading to lower insurance costs.

The Jeep Wrangler JL Sport S rounded out the top three. Jeep, which has put a number of vehicles on our least expensive to insure list over the last few years kept their streak going with two models in the top 10 (the Renegade Sport) and three in the top 20.

Jeeps are rarely considered luxury vehicles. They are usually pretty bare bones, and that makes them cheaper to insure. “Jeep owners typically drive slowly, parts are basic and readily available, leading to lower repair costs,” says Michael Harley, executive editor for Kelley Blue Book.

Subaru also managed to get three cars on the list, the Outback 2.5I dropped a spot to come in fourth, while the Forester 2.5I finished 7th and the Crosstrek tied for 12th, the exact spot it finished last year.

Advanced safety features always lower insurance premium and Subaru’s are loaded with them, even the base models. “All Subaru Outback models are standard with EyeSight Driver Assist Technology, which includes active safety features like Advanced Adaptive Cruise Control and Lane Centering Function. Subaru has earned numerous awards for quality, including a 2020 IIHS Top Safety Pick for the 2020 Outback,” says Anthony.

The Fiat 500X Pop closed out the top five. The Pop is a small car with an affordable starting price that is also loaded with safety features making it cheap to insure. “The 500X is one of the most underrated vehicles on the market. It’s built on a Jeep Renegade platform, making it rugged and quite durable. The Fiat 500X includes seven airbags as well as Blind-spot Monitoring; Rear Cross Path detection; backup camera and adaptive cruise control. The starting MSRP of around $25,000 is affordable; couple that with the lower cost to insure, and it’s a small SUV worth considering for those on a budget.

“It should be noted that Fiat may be discontinuing the 500 lineup in the U.S. Fiat has already cut down its 2020 offerings in the U.S. to the 500X, 500L and the 124 Spider.

Finally, we have to mention the Honda Odyssey LX. The LX dropped all the way down to the number six spot after dominating the top spot for almost a decade. Out of the 10 years we’ve done the rankings, the Odyssey has placed in the top five for eight of those years.

Minivans tend to be very family-oriented which means most owners drive pretty carefully. This leads to fewer crashes and lower insurance costs. The Odyssey is one of three minivans to make the list, the Chrysler Pacifica Touring tied for 15th and the Dodge Grand Caravan SE tied for 20th.

As usual, SUVs and CUVs made up much of our list but at least one pickup hit the top 20. The GMC Canyon finished in 18th place while the Ford F-150 XL was the 27th cheapest vehicle to insure.

As you would expect, insurance rates went up across the board this year, but the price increase was reasonable. Our cheapest option this year, MazdaCX-3 Sport costs $1,324 to insure while last year’s top choice, the Honda Odyssey ran $1,298. This is a mere two percent increase.

Most expensive vehicles to insure

The other side of the list is filled with cars that come with a high sticker price, a big engine under the hood and plenty of high-end finishes on the inside.

As usual, the majority of the vehicles on this side of the list are European, in fact only two American vehicles hit the top 10, a Tesla and a Dodge. Regardless of which country they hail from, all of the cars on the list are high-end luxury and sports cars that have a big, powerful engine under the hood and are bursting with cutting edge technology as well as luxury finishes. All of this leads to sky-high insurance bills.

The number one most expensive car to insure this year is the Mercedes AMG GT-R, moving up from the fourth spot last. Insuring this beauty will set you back $4,082 a year. While that is certainly a big number, if you can afford the $162,000 starting price, another four grand probably isn’t going to break the bank.

“The AMG GT boasts excellent dynamics and a rip-snorting turbocharged V-8 that’s good for 469 horsepower,” says May. “If that isn’t enough, you need to get your head checked. But Mercedes still has an answer: the ‘R’ variant, which cranks things up to 577 hp. With a sticker price north of $160,000 and manufacturer-estimated zero-to-60 mph time of 3.5 seconds, it’s little surprise the vehicle costs a pretty penny to insure.

”Mercedes put another two cars in the top 10 (the S65 AMG and the S560) with a total of five in the top 20. BMW matched Mercedes and also had five cars on our expensive list, Porsche and Audi put two on the board as did Tesla and Jaguar.

The second most expensive to insure car is a full-on sports car with a 5.2-liter dual-injection V10 under the hood. The Audi R8 cranks out 602 horsepower and can go over 200 miles an hour. A sky-high price tag (the R-8 starts at $170,000) combined with a huge engine and an out of this world top speed will always lead to an expensive insurance premium.

“Sports cars and high-end luxury vehicles are usually much more expensive to insure because of repair costs. The finishes in these vehicles is often much more expensive than the materials used in a more moderately priced vehicle,” says Carole Walker, executive director with the Rocky Mountain Insurance Information Association.

Insurers always factor in the price of the car when setting a premium because if the car is damaged or destroyed by a covered peril, they will be on the hook for the repair costs or even replacing your vehicle altogether.

It’s not just the price tag insurers look at, they will also factor in repair costs. Luxury cars are bursting at the seams with high-end (which means expensive) materials. A teak wood interior is always going to cost more to repair than plastic and leather seats are much more expensive than fabric.

On top of all the luxurious materials, luxury cars are loaded with technology. The latest technology always ends up in luxury vehicle before trickling down to more affordable options. All of that tech makes repairs and claims much more expensive, leading to higher rates.

In the midst of the European nameplates there are a couple of vehicles made in the U.S. Tesla managed to put two vehicles on the list this year. The Model X Performance finished in 8th place while the Model S Performance finished 16th. Teslas come with both a significant price tag as well as high end performance but one additional component is also responsible for its high insurance cost. The giant battery under the hood is very expensive to repair or replace, pushing insurance costs even higher.

The Dodge Challenger SRT Hellcat Redeye was the other American made car to hit our list with an 9th place showing. The Hellcat Redeye can run the quarter mile in 10.8 seconds at 131 mph. “This rear-wheel drive “muscle car” boasts one of the most powerful engines on the market, which increases its potential for a crash” points out Harley.

As usual, there were a number of convertibles on the list, a total of three to be exact. Convertibles will also be more expensive to insure as they are easier to steal and vandalize due to   the less than solid roof. A damaged convertible roof can be a very expensive repair and insurers charge for it.

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Always get insurance quotes when car shopping

Car sales in 2019 managed to beat out the National Automobile Dealers Association (NADA estimates of 16.8 million, with 17.1 million cars being sold. This is a 1.6% decline compared with 2018. Auto analysts are predicting that 2020 will see sales of roughly 16.7 million to 17.1 million vehicles.

If you are shopping for a new ride in 2020, always get an insurance quote for any vehicles you are seriously considering. “You should always consider the cost of insurance when shopping for a new car,” says Gusner. “Insurance costs can vary dramatically between vehicles, which pushes up the total cost of ownership. Make sure you have the budget for both the car and its insurance.

“Sky high insurance premiums (which come with a number of our most expensive cars to insure) can quickly make a vehicle unaffordable, pushing your dream car out of reach. “If you cannot easily afford the insurance premium, you really can’t afford the car,” advises Gusner.

If you need a loan or lease to put your fantasy car in your garage (who doesn’t) you will need to carry full coverage which includes collision and comprehensive. These coverages can increase your overall insurance costs but will step up to repair your car if it is damaged in an accident, fire, flood, vandalized or even if a deer manages to put a dent in it. When shopping for insurance be sure these coverages are included.

We can help you find an affordable policy for just about any car quickly and easily. The Insure.com comparison tool, which is located at the top of this page, makes comparing insurance rates simple. You compare the cost of insurance on up to 10 different vehicles, so you can narrow down your choices before you make a final decision on a car. If you’re looking for an older car, we have a used car rate tool as well.

What the experts have to say

Our list makes it clear that the target audience, sticker price, repair costs and safety features incorporated in a vehicle absolutely impact the cost of insurance. Vehicles designed with families in mind tend to come loaded with safety features and rank high on our least expensive to insure list.

“Safety features such as airbags, lane departure, back-up cameras and automatic restraint systems are all factored into an insurance premium, and typically push your insurance rate down” says Gusner.

A smaller engine combined with a simple design will almost always result in an affordable insurance premium. The 2020 Subaru Forester 2.5I fits this mold perfectly, making it the 7th most afford vehicle on our list. “Safe, slow, and simple is a recipe for low insurance rates, points out Harley.

One other factor that can lower an insurance rate is how popular a vehicle is, more sales leads to lower repair costs because parts are readily available. It’s almost always easier to find a part for a Toyota than a Ferrari. The 2020 Honda CR-V LX highlights this fact. “The Honda CR-V LX is safe, reliable, relatively slow, and high production numbers all drive insurance costs down, says Harley.

On the other hand, a high sticker price and expensive repair costs combined with luxury appointments results in a shocking insurance premium. A prime example is the 2020 Mercedes S65 AMG, number four on our list. “This German flagship is chock-full of expensive luxury appointments and innovative electronics that drive repair costs skyward,” advises Harley.

While safety technology helps keeps drivers and passengers safe out on the road, it can also push up the cost of claims and that can raise rates for all drivers. “The sensors and other technology in today’s cars has pushed up the cost of insurance claims,” says Walker. Simple repairs have become more expensive due to the sensors and cameras that are now stuffed inside most vehicles and that leads to more expensive claims for everyone.

Factors that insurers consider when setting a premium

Insurers look at a long list of factors when setting a premium and while one of those is the vehicle you drive, other factors often have a bigger impact.

Most insurers will take the following factors into consideration when setting your car insurance rates:

  • Driving record: This should come as no surprise, but insurers but a fair amount of weight on your driving record. Tickets and accidents will absolutely push up your premium, in some cases, dramatically. The good news is that this factor is completely under your control, keep your nose clean out on the road for the best rate.
  • Location: Where you keep your ride each night can impact your rates. Insurance companies consider your address because they will have to cover the cost of your vehicle if it is stolen so the riskier your neighborhood, the more you will pay for insurance. Urban areas tend to be more expensive than rural areas due to crime rates as well as the probability of accidents, more drivers equals more accidents.
  • Credit score: The majority of insurance companies take credit scores into account when setting a premium, unless it’s not allowed. If you live in California, Hawaii, or Massachusetts, your credit score cannot be considered as a rating factor. Credit scores can have a major impact on your premium, according to an Insure.com rate analysis, drivers with poor credit pay 71% more on average for car insurance than drivers with good credit.

The reason insurers like credit scores is pretty simple, statistical analysis shows that drivers with lower credit scores tend to be involved in more car insurance losses and higher claim payouts than drivers with a good credit score.

  • Gender and age: Insurers love statistics and the data shows that young drivers tend to be bad drivers. Inexperience combined with raging hormones leads to tickets and car accidents. Newly licensed drivers are usually the most expensive to insure and young males are more costly than females. As they get a few years of experience under their belts rates should drop and become more affordable.
  • Vehicle you drive: Our list makes one thing perfectly clear, the car you drive definitely impacts your premium. Sport and luxury cars will always be more expensive to insure than a family friendly car. “Drivers of minivans and other family vehicles are usually focused on keeping their little ones safe so they’re more likely to follow the traffic laws. Minivans are also some of the safest vehicles on the road,” points out Melanie Musson, car insurance expert for CarInsuranceComparison.com.

There are a number of factors that insurers look at in regard to the vehicle you want to insure:

Price: If your car is damaged or destroyed by a covered peril, your insurer will have to fork up to replace or repair it so the more your car costs, the more expensive it will be to insure. “One of the biggest differences between the least and most expensive cars to insure is the cost to replace and repair the vehicle. Insurers always factor in the cost of replacement or repair in the event of a future accident,” says Greg Fowler with AutoInsureSavings.

If you want to keep your insurance costs low, look for a less expensive car and stay away from luxury and high-end sports cars.

Repair costs: It will always cost more to repair a Ferrari than a Mazda and your insurer will absolutely take repair costs into account when setting a premium. High-end cars are typically loaded with cutting edge technology and expensive materials, making them pricey to repair, a cost your insurer will have to shoulder if you are in an accident and make a claim.

“While most new vehicles are packed with technology that can result in a safety discount, all of that technology can also add to the repair costs,” says Walker.

Claim rates: Insurance companies love data and they keep reams on if. One data point that will impact your rates is the claim rate of your particular vehicle. If your vehicle has a high claim rate (it is a favorite of car thieves) you will pay more for car insurance regardless of whether you have ever made a claim or not.

How to use our rankings

When shopping for a new car, you should always take the cost of insurance into consideration. The cost of insurance can actually put a once affordable car out of reach for many people.

We are here to help. The Insure.com comparison tool, located at the top of this page, makes comparing insurance costs easy. It lets you compare the cost of insurance on up to 10 different vehicles, so you can narrow down your choices.

Use our least/most expensive list as a starting point. Then you have narrowed down, your choices our comparison tool will let you get a quote quickly and easily on any vehicle you are considering. If you are in the market for a used vehicle instead of a new one, check out our used car buying guide and insurance rates tool.

Both of our tools show the national average as well as state average annual rate. That makes it easy to go onto the next step and shop for a great car insurance policy at a price you can afford.


Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for 2020 models. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm, in 10 ZIP codes per state. Not all models were available, especially exotic cars. More than 3,000 models are included in the 2020 study.

Least expensive rankings were based on the best-performing trim line of each model. Most expensive rankings were determined by the worst-performing trim line of each model.

Averages are based on full coverage for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage.

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