Resolved Question: What height/weight ratio will get me best life insurance rates?

Log-Rolling. Given these two very different conceptions of the state, one favoring the welfare state and the other favoring a warfare state, why don't the visions cancel each other out? So intense is the desire of one group to have the state that it wants that it is willing to put up with another group's desire for its conception of the state. The two conceptions decide to cooperate and erect a state that purports to behave both like Solomon and like the Samaritan. That is the origin of the guns-and-butter state, or the welfare-warfare state, or the modern state as we know it, one that purports to meet every need.
We see how this log-rolling works every day on Capitol Hill. One group wants more money for tanks and weaponry, and the other wants more for Medicaid and education. If both agree that politics is the art of compromise, they will put up with the other group's priorities in order that their own vision can be fulfilled.
On the Right, we find that the love for the police power is more intense than the hatred of redistribution. On the Left, we find that the love of redistribution is more intense than the hatred of war and leviathan. They therefore work together to erect a massive and ever-growing executive. They are similarly unwilling to oppose the state in total. They fear that in doing so, the state as an institution will be discredited, and their conception of what the state should do along with it. Neither side particularly loves big government but both sides agree that it is better than the alternative of letting people alone. So they log-roll to support the public sector above all else, even when it means that they must sleep with their ostensible political enemies.
Rationale Number Four: The Inflationary State. Now we come to the reason this system is able to perpetuate itself. And there is something of a mystery to explain here. No people anywhere will put up with a leviathan that grows and grows forever. At some point, the problem of funding state expansion will result in too much violence against property, and the people will revolt. Indeed, if the federal government had to collect all its revenue through a tax of any kind, leveled right now against the public, I submit to you that it would spark a tax revolt on a scale never before seen in modern history.
Thus do we have the central bank to create money for the state. Thus do we have paper money that can be created in unlimited quantities. Thus do we have deposit insurance to make banks failure proof, so that the masses will never doubt that the credit pyramid is immortal. Thus do we have the Fed's power to manipulate interest rates and control the flow of credit to the system.
An economist at Lehman Brothers sent us an interesting chart the other day. It compares the level of price increases across many Fed regimes. Under the first Fed governor Charles Hamlin, the dollar declined 8% in value. Under Thomas B. McCabe from the late forties, it declined 7.2%. Under Arthur Burns, wholly owned by Nixon, the dollar declined 42% in value. Under Volcker, Mr. Tight Money, it fell 40%. And under Greenspan, who has a reputation as a great inflation fighter, the value of the dollar in terms of goods and services fell fully 44%!
Inflation serves the cause of the state by giving it room to run up debts without limit and fund its activities without making the people cough up more revenue. Indeed, that is the primary purpose of the inflationary state. People often say to me that a gold standard is impractical. In fact, that is not the case. It is very practical. It is the free-market answer. The state doesn't need to produce money any more than it needs to produce shoes or shirts or clocks. The problem is that we lack the political will to stop the inflation monster.
Rationale Number Five: The Propaganda State. In every society control of educational institutions increases in tandem with the rise of the state. This is because the state needs these institutions to inculcate the civic religion of loving the public enterprise, and also because the less people know about the idea of liberty the more the state is provided the room to grow.
Consider the Department of Education. Ever since its creation, every Republican administration has come to power with an intention to abolish it. But once they get in power, they find that bureaucracy has its uses. Instead of cutting or abolishing it, they increase the agency and give it more to do. The more the state does, the more the state sees the need to control public opinion by controlling the schools.
Now, there is a point of optimism here. If any state could rule without propaganda, it would surely do so. Why then do states find educational control and the propagation of the civic religion in their interest? Because at some level, every state, in all times and places, is required to seek the tacit consent of those it governs. No state can control a society by use of the sword only and alone. It must also seek some degree of ideological conformity with its own goals. Otherwise its rule becomes threatened and destabilized.
The other side of the coin is that states can indeed be destabilized by the ultimate counterrevolutionary tactic of providing alternative sources of education. As Mises said, all of history is a battle of ideas. Where the ideas of freedom are triumphant, liberty prevails. Where the ideas of freedom are buried and suppressed, despotism prevails.
Our pathway is clear. It is a choice of the Mises Institute not to mix in the mire of a political system that is wholly owned or attempt to seek favor from influential opinion makers. Our path is one of education, pursued with high-minded ideals, advanced using the most modern methods, and animated by the spirit of guerilla warfare. There are Misesians and Rothbardians strewn throughout the academic world, financial and banking houses, law firms, and in every walk of life, not only in this country but all over the world.
We have worked for nearly a quarter of a century on a very radical project of advancing economic science and logic. We have pushed to keep the fire of freedom burning brightly. We have sought to teach anyone and everyone about the workings and benefits of liberty. We have come under pressure from left, right, and center. Yet the attention given to this body of ideas grows by the day.
We can prevail against the Propaganda State. So long as we are free to do so and have the means available, we will continue to do so. This is our weapon against power. It is the most effective weapon anyone could ever possess. If we win this victory, we win all others.
We thank you for supporting education for liberty, and for being part of the revolutionary vanguard that sees through the errors of our day and imagines a brighter future of freedom, private property, and peace. : Mises Institute

Resolved Question: Should I get private term life insurance?

I'm 39 and have life insurance through my employer. I could probably obtain private life insurance for the same rate.

Is it wise to get non-employer term life insurance now (before I'm 40)?

I may not stick with my current employer for another ten or twenty years, but I'll probably be here for a few years. Is there any downside to waiting to obtain term life insurance elsewhere? Solution243--Looks like you have no real answers but send everyone garbage links (for scam, perhaps?). Or maybe the same link (from you) really does answer both this question AND someone else's question about how much he should be paid for working at a deli in New Jersey. I work for the federal government. The rate is decent, though I might be able to get a little better.

Resolved Question: INSURABLE?? Diagnosed w/Obstructive Sleep Apnea.?

My husband was just diagnosed w/OSA and we were just about to look into getting a term life insurance policy. Will this condition be a big deal and make his rates higher if he can even get it at all? He is 38 and slightly overweight too.