#Consumer Forum

[n7india]

Deoghar: SBI Life Insurance के खिलाफ Consumer Forum ने सुनाया फैसला, दावेदार को इतने लाख रूपये भुगतान के आदेश

Deoghar: देवघर जिला उपभोक्ता संरक्षण फोरम ने अपने एक फैसले में परिवादियों के पक्ष में आदेश देते हुए एस बी आई लाइफ इंश्योरेंस को भुगतान का आदेश दिया है। मामला इंश्योरेंस किये हुए व्यक्ति की मृत्यु हो जाने के बाद उसके आश्रितों को बीमा राशि का भुगतान नहीं करने से जुड़ा है। जानकारी के अनुसार पिता बद्री प्रसाद तिवारी ने 11 लाख रुपए का बीमा एसबीआई लाइफ इंश्योरेंस कंपनी से कराया हुआ था। पिता की मृत्यु…

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#Consumer Forum #DeogharNews #JharkhandNews #SBI Insurance Company

[onlineconsumerforum]

How To Resolve Insurance Complaints? - Voxya

Using the following steps you can resolve Insurance complaints:

Carefully review the terms and conditions of your insurance policy at the time of purchase and use the free lookup period if issues arise.

Initiate the complaint process with your insurance company.

If your issue remains unresolved, escalate the complaint to the Insurance Regulatory and Development Authority of India (IRDA) through email or a toll-free number.

You can also file an insurance claim complaint with the Insurance Ombudsman for attention and resolution.

If the problem persists, consider seeking legal recourse by sending a formal notice to the insurance company through a legal representative, demanding a resolution within a reasonable timeframe.

If all else fails, you have the option to file a case against the insurance company in the consumer court.

Additionally, you can file a complaint on Voxya, an online consumer forum, for various insurance-related issues like policy cancellations, settlement disputes, refund requests, claims for compensation, or reimbursement for legal expenses.

Voxya is an online consumer complaints forum, trusted by 2 lac+ consumers. File a complaint at Voxya, to get a replacement, refund, and compensation quickly, Trusted by 2 lac+ consumers.

#consumer forum #consumer complaints #consumer affairs #consumer court #Insurance complaints #SBI Insurance Complaint #Health Insurance Complaint #Life Insurance Complaint #Car Insurance Complaint #Car Insurance #health insurance #life insurance #HDFC Insurance Complaint #Youtube

[investorocean7]

#What is Consumer Forum #Consumer Forum #How To File Complaint In Consumer Forum #Complaint In Consumer Forum

[mostlysignssomeportents]

The super-rich got that way through monopolies

Catch me in Miami! I'll be at Books and Books in Coral Gables on Jan 22 at 8PM.

Just in time for Davos, here's 'Taken, not earned: How monopolists drive the world’s power and wealth divide," a report from a coalition of international tax justice and anti-corporate activist groups:

https://www.balancedeconomy.net/wp-content/uploads/2024/01/Davos-Taken-not-Earned-full-Report-2024-FINAL.pdf

The rise of monopolies over the past 40 years came about as the result of specific, deliberate policy choices. As the report documents, the wealthiest people in America funneled a fortune into neutering antitrust enforcement, through the "consumer welfare" doctrine.

This is an economic theory that equates monopolies with efficiency: "If everyone is buying the same things from the same store, that tells you the store is doing something right, not something criminal." 40 years ago, and ever since, the wealthy have funded think-tanks, university programs and even "continuing education" programs for federal judges to push this line:

https://pluralistic.net/2021/08/13/post-bork-era/#manne-down

They didn't do this for ideological reasons – they were chasing material goals. Monopolies produce vast profits, and those profits produce vast wealth. The rise and rise of the super rich cannot be decoupled from the rise and rise of monopolies.

If you're new to this, you might think that "monopoly" only refers to a sector in which there is only one seller. But that's not what economists mean when they talk about monopolies and monopolization: for them, a monopoly is a company with power. Economists who talk about monopolies mean companies that "can act independently without needing to consider the responses of competitors, customers, workers, or even governments."

One way to measure that power is through markups ("the difference between the selling price of goods or services and their cost"). Very large companies in concentrated industries have very high markups, and they're getting higher. From 2017-22, the 20 largest companies in the world had average markups of 50%. The 100 largest companies average 43%. The smallest half of companies get average markups of 25%.

Those markups rose steeply during the covid lockdowns – and so did the wealth of the billionaires who own them. Tech billionaires – Bezos, Brin and Page, Gates and Ballmer – all made their fortunes from monopolies. Warren Buffet is a proud monopolist who says "the single most important decision in evaluating a business is pricing power… if you have to have a prayer session before raising the price by 10 percent, then you’ve got a terrible business."

We are living in the age of the monopoly. In the 1930s, the top 0.1% of US companies accounted for less than half of America's GDP. Today, it's 90%. And it's accelerating, with global mergers climbing from 2,676 in 1985 to 62,000 in 2021.

Monopoly's cheerleaders claim that these numbers vindicate them. Monopolies are so efficient that everyone wants to create them. Those efficiencies can be seen in the markups monopolies can charge, and the profits they can make. If a monopoly has a 50% markup, that's just the "efficiency of scale."

But what is the actual shape of this "efficiency?" How is it manifest? The report's authors answer this with one word: power.

Monopolists have the power "to extract wealth from, to restrict the freedoms of, and to manipulate or steer the vastly larger numbers of losers." They establish themselves as gatekeepers and create chokepoints that they can use to raise prices paid by their customers and lower the payout to their suppliers:

https://chokepointcapitalism.com/

These chokepoints let monopolies usurp "one of the ultimate prerogatives of state power: taxation." Amazon sellers pay a 51% tax to sell on the platform. App Store suppliers pay a 30% tax on every dollar they make with their apps. That translates into higher costs. Consider a good that costs $10 to make: the bottom 50% of companies (by size) would charge $12.50 for that product on average. The largest companies would charge $15. Thus monopolies don't just make their owners richer – they make everyone else poorer, too.

This power to set prices is behind the greedflation (or, more politely, "seller's inflation"). The CEOs of the largest companies in the world keep getting on investor calls and bragging about this:

https://pluralistic.net/2023/03/11/price-over-volume/#pepsi-pricing-power

The food system is incredibly monopolistic. The Cargill family own the largest commodity trader in the world, which is how they built up a family fortune worth $43b. Cargill is one of the "ABCD" companies ("Archer Daniels Midland, Bunge, Cargill and Louis Dreyfus") that control the world's food supply, and they tripled their profits during the lockdown.

Monopolies gouge everyone – even governments. Pfizer charged the NHS £18-22/shot for vaccines that cost £5/shot to make. They took the British government for £2bn – that's enough to pay last year's pay hike for NHS nurses, six times over,

But monopolies also abuse their suppliers, especially their employees. All over the world, competition authorities are uncovering "wage fixing" and "no poaching" agreements among large firms, who collude to put a cap on what workers in their sector can earn. Unions report workers having their pay determined by algorithms. Bosses lock employees in with noncompetes and huge repayment bills for "training":

https://pluralistic.net/2022/08/04/its-a-trap/#a-little-on-the-nose

Monopolies corrupt our governments. Companies with huge markups can spend some of that money on lobbying. The 20 largest companies in the world spend more than €155m/year lobbying in the US and alone, not counting the money they spend on industry associations and other cutouts that lobby on their behalf. Big Tech leads the pack on lobbying, accounting for 82% of EU lobbying spending and 58% of US lobbying.

One key monopoly lobbying priority is blocking climate action, from Apple lobbying against right-to-repair, which creates vast mountains of e-waste, to energy monopolist lobbying against renewables. And energy companies are getting more monopolistic, with Exxonmobil spending $65b to buy Pioneer and Chevron spending $60b to buy Hess. Many of the world's richest people are fossil fuel monopolists, like Charles and Julia Koch, the 18th and 19th richest people on the Forbes list. They spend fortunes on climate denial.

When people talk about the climate impact of billionaires, they tend to focus on the carbon footprints of their mansions and private jets, but the true environmental cost of the ultra rich comes from the anti-renewables, pro-emissions lobbying they buy with their monopoly winnings.

The good news is that the tide is turning on monopolies. A coalition of "businesses, workers, farmers, consumers and other civil society groups" have created a "remarkably successful anti-monopoly movement." The past three years saw more regulatory action on corporate mergers, price-gouging, predatory pricing, labor abuses and other evils of monopoly than we got in the past 40 years.

The business press – cheerleaders for monopoly – keep running editorials claiming that enforcers like Lina Khan are getting nothing done. Sure, WSJ, Khan's getting nothing done – that's why you ran 80 editorial about her:

https://pluralistic.net/2023/07/14/making-good-trouble/#the-peoples-champion

(Khan's winning like crazy. Just last month she killed four megamergers:)

https://www.thesling.org/the-ftc-just-blocked-four-mergers-in-a-month-heres-how-its-latest-win-fits-into-the-broader-campaign-to-revive-antitrust/

The EU and UK are taking actions that would have been unimaginable just a few years ago. Canada is finally set to get a real competition law, with the Trudeau government promising to add an "abuse of dominance" rule to Canada's antitrust system.

Even more exciting are the moves in the global south. In South Africa, "competition law contains some of the most progressive ideas of all":

It actively seeks to create greater economic participation, particularly for ‘historically disadvantaged persons’ as part of its public interest considerations in merger decisions.

Balzac wrote, "Behind every great fortune there is a crime." Chances are, the rapsheet includes an antitrust violation. Getting rid of monopolies won't get rid of all the billionaires, but it'll certainly get rid of a hell of a lot of them.

I'm Kickstarting the audiobook for The Bezzle, the sequel to Red Team Blues, narrated by @wilwheaton! You can pre-order the audiobook and ebook, DRM free, as well as the hardcover, signed or unsigned. There's also bundles with Red Team Blues in ebook, audio or paperback.

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/01/17/monopolies-produce-billionaires/#inequality-corruption-climate-poverty-sweatshops

#billionaires #wef #climate #monopoly #world economic forum #competition #antitrust #consumer welfare #inequality #corruption #davos #guillotine watch

[itstimetodrew]

Advertising has always been about telling people what they want and why they need it, but it’s impressive how far companies will go now. An increasing hostility towards their target market, reshaping platforms to be less user-friendly and less informative, every day a new hoop to jump through and a new pitfall to avoid.

There’s bending over backwards and then there’s breaking your own spine.

#literally every aspect of the internet has been consumed by advertising interests #and you really have to stand back and admire how the benefits of forums and news sites and search engines #were steamrolled by companies wanting to make that extra .006 cents for the click on an ad for a product they never buy. #ad execs still think eyeballs are a direct correlation to people caring. and it’s not. #the more obtrusive and inescapable advertising becomes the less it matters #you think if you corner people and grab them by the face and force them to look then they’ll see why they need Your Thing #but odds are if they realize you’re forcing them to look then there’s a reason why

[lasdelaintuicion]

im usually all for being a hater but why are fan blogs so mean to dan like 😭 idk. i would not create forums or blogs and accounts to dissect the every move of a guy who i want to throttle on sight

#OBVIOUSLY its good to be critical of the content and influencers you consume #but the dedication is hilarious to me it reminds me of kpop stans #i HATE this content but i used to like it a decade ago so now i have a part time job discussing it like it's the daily news #?????? i don't get it lol #some criticism is so real but its also pointed at the exact reasons most of us find him entertaining/charming so like #pa gustos colores? #on the other hand ill discuss bts downfall unprompted out of the blue or if someone brings them up but BUT i can't #imagine seeking out blogs and forums about it much less make my ownnn

[ivan-fyodorovich-k]

You know, @alpine-hoplite, I never really put my finger on it before you started to complain about it, but it is striking how many people have extremely intense thoughts and opinions about 40k despite having absolutely zero stake in the hobby itself whatsoever

#to indulge in some gatekeeping #have you bought a single mini #let alone painted it #or you just consume bad fanfic and have decided you're in charge now #etc etc #I've gotten into conversations about this before though and the IP has gotten much bigger than just the minis at this point #I wonder how many people just join forums and track hashtags and read wiki synopses of books #and form their whole belligerent idea off that

[regentzephyr]

i do find it amusing that non-Japanese EarthBound enjoyers know so little about Itoi Shigesato… i find it so amusing in fact, that i’m currently in the process of writing my dissertation on EarthBound and the current Japanese ideology… leeeet’s just say that foreign fans’ enjoyment of the Mother series will be clouded somewhat if they actually knew of Itoi’s significance.

#earthbound #mother series #itoi shigesato #tl;dr itoi shigesato’s one of the architects of contemporary Japanese consumer capitalism #that is to say that the vaguely anticapitalist-ish vibes in Mother 3 are but a pose #dont get me twisted EarthBound is a masterpiece but i think people should be more aware of the ideology they are buying into #i did scour the Starmen forums for any evidence that people knew how significant of a figure Itoi is but i found nothing of that sort

[tweedstoat]

Viserys life and family was falling down around him and he just spent all his time making tiny little city models I just know if he'd have had the most well respected little knick knack etsy store in the early 2010s and ignore every single summons he recieved to go to court and actually sort out his custody and child support arrangements with Alicent

#he finally starts paying attention when they have a default judgement against him and start garnishing his wages #hotd #showverse #i mean bookverse too but we dont know what hobby was consuming him in the books #this also later happens with rhaegar except rhaegar is too busy having arguments on some godforsaken prophecy forum #the darkcandle web if you will #anyways Elia takes him to the cleaners and then later lyanna is like THERES NOTHING EVEN LEFT TO CLEAN. fuck it im going for his house

[creeperthescamp]

simmers are such a patient people my elder scrolls ass will find an annoying bug and go "oh there's probably a fix for that" and the fix will be either "just play the game in a more annoying but workable way" or '"there's a fix but it's in this mod that's incompatible with all the essential mods you want to keep"

bethesda game fans may be a bit spoiled for mods perhaps lol

#martin posts #adventures in sims 3 #i can see why having a load order may be beneficial in some situations... #the firefighter career is straight up broken and everyone knows it but the only fix is in said conflicting mod :'( #also came across the multi-rabbithole bug that breaks opportunities and the only fix is to use custom single rabbitholes. what. #....damn bitch you live like this? no one has ever been consumed with rage enough to fix that shit directly???? jesus i might be #that being said there's been so much work already trying to make sims 3 playable and im so grateful for that. smooth patch is life changing #idk maybe theres another nraas script mod that fixes more things but im still getting used to the basics of story progression #also how do i find more cc. there's not really a central source for anything like nexus everythings just spread out across blogs and forums

[onlineconsumerforum]

Maruti Suzuki Brezza Complaint Resolved at Voxya

A consumer complaint against Maruti Brezza ZXI Magma Grey is resolved using Voxya, India’s trusted platform for resolving consumer complaints. 

Consumer got a delivery of his vehicle within 3 days of receiving legal notice from Voxya.

If you are also looking for the solution to the complaint then Post A Complaint Now!  

#consumer forum #consumer court #consumer complaint website #Maruti Brezza ZXI Magma #Maruti Suzuki

[paupelou]

.

#okay opening my mouth again #so yeah i think ppl questioning how we 'consume' instead of interacting on this app isnt inherently a bad thing #this is a bigger question than simblr but if ppl want to have it here why not #i mean i know how tiring it is to cycle thru the same topics every new moon #but hey why not have nuanced discussions about this? #i mean the evolution of 'social media' is so interesting #to see the internet go from forums and whatever to social medias where a like is enough to interact #i mean im sorry but i love complaining about capitalism and this is an open door right here #okay bye luvs

[fluttershyes]

i know your post about dA eclipse was made in october but i was scrolling thru ur blog bc it's cool and i saw it and it reginited the fire in me of how much i hate dA eclipse. before they forced it on everyone they tested it by letting users switch between eclipse and og dA and almost everyone complained about it and asked dA not to implement it and they did it anyway. also they fucked up making a dark theme. how the fuck you you mess up making a dark theme? they made the dark theme literally the most intense shade of black possible. also they've made it so everyones art is automatically checked to let it be used in AI art databases and you can't opt out of it as a whole. you have to go through every piece, one by one, and say you don't want it to be used for ai image generation. fuck deviantart and fuck their staff i hope their site crashes and burns.

omg yea in my experience since setting up the account its been so painfully obvious how much the website hates the people who use the site, and lol yea the fuckin ai art thing was so annoying i remember having to individually having to tick all my art to not be fed into their shit machine. thankfully they made it so art isnt automatically fed to the ai anymore but the fact that they had done that in the first place is mind boggling

#asks #im so tired of social media that is consumed by consumerism and trying to make as much money as possible i so desperatly #desperately * want to go back to like niche forums or something #i also feel like tumblr has been one of the better sites but it still is getting worse and worse over the years like im just so tired of #social media just trying to take as much money out of their userbase thru whatever means #necessary

[rohirric-hunter]

the only LUA tutorials I can find assume a prior understanding of coding that I don't have so I figured it might be easier to just crack open a plugin and see how it's put together.

so naturally I pick one that was coded in French, to start with.

and then I get stuck trying to figure out why on earth Passage Assistant (the plugin that creates a separate window for a Hunter's tracking skills) is going on about Frostbluff Rotten Fruit

and it's absolutely the coding speak and not the French that is confusing me on this point

#my theory is that they either left some experimentation files in the folder #or they made a plugin to make a window for frostbluff consumables and then later changed it to the current plugin #oh yeah preliminary research indicates that this person has made like 9 plugins following the same basic setup #i highly recommend checking out plugins by homeopatix on the lotrointerface forums #as they work very well #i highly dont recommend attempting to learn how to write lua with them #back to the drawing board

[elmelloill]

want to talk about fate but i hate talking about fate because i'm paranoid of someone being like "actually if you read [media with a fan translation only that i haven't gotten to yet] or [obscure bonus material] you would know that what you said is completely incorrect" like i don't even trust myself to correctly remember half of the things i HAVE watched or read

#i say this as someone who has read multiple fics and gone 'it doesn't work like that!' and happily continued reading #but also this is sort of how people on the forums for the fan translations of the lem2 novels talk so like #i feel like it's not ALL paranoia #just have to talk in a way that makes none of my posts appear in tags hopefully #bc it IS more satisfying to ramble here than on my priv twitter which is what i've been doing for a year and a half #much to the chagrin of those 30 people i'm sure #anyway. my hobby is being embarrassed that i can't consume and internalize a decade of content in a single year #levblogging

[basslinegrave]

its hot ghost of the early 2000s summer!

#only i know what this means. #i think. #limited internet flip phone txting sleeping on park benches watching mtv reading mags browsing forums anonymously listening to mp3s #i was a baby back then but we get everything years late so this was my childhood dont come at me #new age is overwhelming it was nice to just consume media in bits and pieces #and like going out with ppl cuz you couldnt chat online freely .. and getting cheap food #50 cents a hotdog and 20 cents a juice #now its 4€ and 1€ and im broke