Rugged flip phone (less damage while stored) with replacable battery and a physical keyboard that runs efficiently and has onboard back-up (including passwords) so it can be simply wiped and reset if malicious apps get in. No 'tracking' cookies allowed and 2 Sim and 2 memory storage slots. Waterproof with different cases available for personalization. I like the ring and magnetic options, but also want wireless charging. I'm finally over needing the 3.5 jack as wireless earphones are almost good enough and they actually have options that don't require you to put them IN your ear canal.

Cameras, speed and resolution are almost beyond what most people actually need, they are the least important parts to me, but I'm not a selfie-worshipping social media influencer.

Yep, some of the advice here isnt. My insurance even suggested using their insurance because of the coverages I had. I would only use my own insurance if it was underinsured or someone who didn't have insurance. Work with the other insurance, only if they don't help you, is when you use your insurance.

Yes, just went thru this. Used the person who hit me's insurance to file the claim after talking with my insurance. My 'no claims' bonus would have gone away if I used my insurance and I also have a high deductible and no rental coverage. Their insurace covered a rental for over a month while my 'minor' rear bumper was fixed (that also turned into replacing the rear trunk lid that was cracked). I used my states insurance reporting/claims website to get them moving when their adjuster was slow taking the claim. Still waiting on the 'diminished value' aspect of my loss.

Learning moment, you do need insurance if you choose to drive, too bad he didn't learn from others mistakes.

Nice try, but I don't lie, cheat or steal either, always fully worked for a wage or if I made investment gains, I still pay more than my fair share of taxes, never taken more than I needed and I cooperate with my neighbors and contribute to my local economy. The state enabled the roads, the emergency services and other services I (and you) use, that's what I mean by the state enabled me.

Capitalism eventually consolidates, that's where it fails.

Nope, I retired 12 years ago at 43, I already "won" at life, and yes it was state organization's that enabled me to do so. Transportation, communication, manufacturing and government among others, still use them and pay my taxes and try to get along with neighbors. Also encourage resonable competition inside of industries unless the state needed to step in to reduce monopolies and price gouging.

But I can acknowledge how fortunate I am, and how the deck is so currently stacked against others.

End stage capitalism is where we're headed, where the rich have gamed the system to the point they aren't taxed and the rest of us fund everything. They've practically captured our government with "Citizens United" and the "Patriot Act." It's exacerbated since the 1970's. Even Warren Buffet acknowledged that his secretary pays more per capita, than he does. So if we went back to the tax rates under Eisenhower, or better yet 90% above 1 million in personal income, then capitalism might be viable. But that isn't what happened. And we're headed back towards kings controlling countries and the serfs they own; with the current wealth levels of oligarchs and CEO pay disparity vs their employees. We can't even get reasonable health care and costs under control in "the richest country on earth." Medical bankruptcy is a real thing where most citizens don't even have $400 in emergency funds.

So NO, capitalism is not the best example. Only people lucky enough not to have been destroyed by it yet, might think it's still viable.

Only as long as you're one of the 'winners' in the game. Those without resources or benefits or equal footing, are the losers in the capitalism game. They're just 'resources' to be used up and discarded. They get forfeit before they even start playing. The problem is, most don't even know how stacked it's become.

Gini-coefficient and wealth inequality are prime examples if you want to understand why capitalism is not a good system or think its better than all the other failures, like communism.

Pale Blue Dot