What I Do for Health Insurance Rant

Funny that health insurance should be our topic today. I'm in the process of navigating the travesty that passes for healthcare in these United States. I'm up for a hip replacement. I'm going to physical therapy first because I'm a firm believer that strengthening muscles around a bad joint might delay the necessity of surgery and if it can't, it will only speed the recovery from said surgery. But. Today, someone who works in a teaching hospital associated with a local university sat me down, looked me in the eye and said, "Get a second opinion." I must have looked blank. She shook her head at me and said, "Listen. Everyone in a medical specialty is making a Porsche payment. Don't be someone's Porsche payment."

I don't know whether to laugh or to cry. You'd like to believe that healthcare is there to care about you, but all too often, I find that isn't the whole story. Or even most of it. I think long and hard about the story of getting a hip replacement in Portugal. Surely you know this one. It goes:

For what it would cost to get a hip replaced in the USA, I could move to Portugal for a year, rent an apartment for that time, see all the sights, learn to speak Portuguese, even. Then I could have my hip replaced in a state of the art medical facility, pay cash, stay for two more months to recover, and STILL have paid less that what a hip replacement in the USA would cost.

We're all being taken advantage of in this country. Health insurance feels like a scam that could finally put a Nigerian prince to shame. Still. The alternative is ruin. So. We carry health insurance. I'm lucky. My partner is employed by a company involved in the healthcare industry so our insurance is -- reasonable. They don't like me much because I'm kinda complicated. They like to come at me from time to time with tsking letters about what providers I choose to see because I'm not impressed by their doc-in-a-box preferences. But for the most part, we get along while eyeing one another with distaste and distrust. Their current 'it's a benefit' shill is trying to assign me a nurse to 'help' me manage my healthcare. The sales person who called to get me to accept the 'benefit' made the mistake of mentioning that the nurse could give me all kinds of information about where I could go to get care. Heh heh. Yeah, no, nameless health insurance company. I'm not playing your game of asking permission to manage my own well being, thanks. 

There are a few reasons that I might one day leave the USA to live elsewhere but let me assure you this Machiavellian structure we call 'health care' is right at the tippy top of the list

Author Coaches - How to Spot the Phonies

This week's topic at the SFF Seven is whatever is on our minds. Now that The Promised Queen has been out for nearly a week, I'm once again reminded of the many, many scavengers that begin circling the sparkling and hopeful fresh meat that is a new release. 

So, as a general warning, remember that there are a LOT of people out there looking to make money off of authors. From paid reviews to advertising to various "services," they are targeting authors by searching for new releases in particular, and attempting to capitalize on the mounds of money they hope you're making - or your desperation if you are not.

More specifically, my current MOST LOATHED scavenger critter out there right now is the Author Coach.

And yeah... I'm fully aware of that irony, as I do offer author coaching myself. I justify this in my own mind in that I'm simply asking to be paid for the kind of thing I was already doing for free. I love mentoring! But I also have to watch how I distribute my time. Writing books is my number one commitment. By charging for the advice I used to give for free, that puts a value on my time and reminds me where my priorities should remain.

Which segues nicely into what I see happening in some of these other "business" offerings.

These people offer to teach you how to write a novel - in whatever time frame sounds sexiest at the moment - and they tell you they can teach you how to make it into a bestseller, via amazing story tricks or marketing know-how, etc.

They have snazzy, clickable titles that promise ways to get your book in front of everyone, to write a breakout novel, to write a bestseller, to write your first novel, to make a viral book video, to get reader email addresses, and so forth. Yes, these are all things many of us would like to be able to do. That's the hook.

The question is: can they actually teach that?

BECAUSE - and this is the bit I always come around to - if they know so much about how to do the thing, why aren't they actually DOING it?

In the case of one famous agent who's built a considerable career selling books and workshops on writing a bestselling novel, I have always wanted to ask why, if he can teach this, aren't all of his clients bestsellers? I mean, wouldn't he want that? 

If an author is a bestselling rolling in royalties, why on earth would they be spending their time teaching anyone how to make viral Tik Tok videos? If a writer is making easy money writing books, why are they spending money on Instagram ads extolling their author coach services? Writers like Nora Roberts aren't spamming your IG feed with ads to teach you her secrets. Because she's making her money from actually writing.

In this era where anyone can add "Bestselling Author" to their credits either by a) lying, b) fudging the exact list, or c) buying their way onto a list, then it's become meaningless. And if being a Bestselling Author is their sole credential for teaching you anything, I'd take a hard second look at what they've actually done.

Frankly, the slicker the business site looks? The faster I'd run away. 

 I'm not saying there aren't good and helpful people out there - I like to think I'm one of them - but look very carefully at what these folks are promising vs. what they're actually doing. 

When Mentors Go Bad: Writing Advice Red Flags

This clematis I planted late last summer has been early to bloom this spring. Such a lovely new visitor to the garden!

Our topic this week at the SFF Seven is Paying it Forward: How We Serve as Mentors for Tomorrow's New Writers.

Those of you who've been following me for any length of time know this is a topic near and dear to my heart. I'm a big believer in helping out tomorrow's writers. More established writers helped me as I was coming up - and still help me today! - and I return that favor to the universe by helping others. As others have said, there's not a lot we can do to repay those higher on the ladder than us, because most of them don't need it, but we can give a hand to those lower down.

There's lots of ways to do this, and I look forward to hearing what others of the SFF 7 say they do, but I want to come at this a little sideways by giving a warning about what is NOT helpful.

This has been on my mind all week since I saw a discussion earlier this week among some authors talking about a new "writers conference" run by a guy who promises to teach how to be successful as an author. Now, I've been around a fair amount of the success-culture stuff. People close to me have been burned by it. I can promise you, falling for their shtick is absolutely understandable because they're really good at this.

However, there are many problems with what they're doing. Best case scenario is illustrated by this most recent (how's that for serendipity?) XKCD:

If you're not familiar with the concept of Survivorship Bias, he explains it here. The TL:DR is that this is a bias caused by looking only at those who made it through a selection process, and not at those who did not. By focusing on 1% who did make it through a filter, the 99% who did not gets lost, leading to false conclusions.

Even the most well-meaning people who try to pass on the secrets of their success can be giving bad advice because very often THEY DON'T KNOW why they were successful. They can retrace their steps and say, "this is how I did it," but those aren't necessarily what actually made it happen. Especially when one step is "and then lightning struck and..."

There's a great interview that's well worth watching, where Oprah Winfrey and JK Rowling discuss that neither of them have any idea why they became so immensely successful. (Transcript here.) The self-aware recognize this, how much of phenomenal success is due to a stroke of luck and can't be replicated. The well-meaning might not recognize this and earnestly want to teach what simply can't be replicated.

Then there's another type. Those who have another agenda.

And that agenda is always making more money for themselves. Even if they insist it's not. In fact, particularly if they insist that's not their reason. That's a big red flag.

Let me break down the red flags I saw in this particular case.

1. This guy is self-billed as a hugely successful author who wants to share his secrets.

Let's ask why. Because, folks, we all know that a basic ground rule of being an author is that time = words written. Anytime a "hugely successful author" is spending their time doing something other than writing books, you can guess that this thing is either

• earning them more money than writing books, or 
• contributing to sales of said books. 

That's simple economics.

2. He's not doing this for money. He's only charging this low price because he's doing this out of a desire to share.

Okay, look - this guy has already gone on about his huge financial success. That's what he congratulates himself for, that's where his heart is. Nothing wrong with that, but don't turn around and try to convince me he's devoting an entire weekend just because he's such a giver. He's not a yogi, he's a businessman. Look for the business benefit.

What's the business benefit? Two things:

• Putting on a small hotel conference, especially in a place where there are few to no other lodging choices, is not expensive. If you guarantee a room block with the hotel, especially a place like a casino, they'll comp the meeting rooms. Thus the registration fee per person is almost entirely profit. 
• It's a big commercial for his books. Possibly he'll have a success book for sale at the conference. Even without that, this is all about raising his profile and establishing himself as a success in the eyes of attendees. Even if he doesn't make a profit on the registration, this is great promo.

Also, always be suspicious if people insist they're not doing something for the money. A professional person always needs to charge for their efforts. Honest people will say, "yes, I'm charging this fee for my weekend's worth of time because that's what my time is worth." Exceptions to this are low-effort events like speaking to a school class or answering questions online. If aspiring writers want to ask me questions at conferences, I'll sit down for a few minutes, sure, or I'll say, "but me a drink or lunch and we can talk." Authors will do interviews and talks for free or minimal honoraria, but that's usually to raise their profile and to give back. In that case they won't spend much time telling anyone that they're not doing it for the money. Obviously they aren't.

3. He hints at having exclusive knowledge

This one is a major red flag. In the text this guys says that people shouldn't ask uncool questions, but that, if they hang out long enough and learn something, then they might get to the point of knowing how to ask cool questions.

Let me tell you something, people. THERE IS NO SUCH THING AS AN UNCOOL QUESTION.

I mean, what is this, 7th grade?? Seriously, that's the last time I remember someone trying to make me feel bad for being "uncool."

The only people who pull this shit - and complete and utter bullshit it is - are those who want you to believe they're better than you are. Even if they do know something you don't, that doesn't make you somehow substandard. There is no shame in not knowing something. That's why we ask questions, to find out. I made a resolution a long time ago to never be afraid to ask a question.

And I'll tell you what: the only people who have ever tried to make me feel bad for asking a question were those people who had a stake in trying to appear powerful. And VERY OFTEN it was because they either didn't know the answer or didn't have a good answer.

Or maybe the answer is so simple that it blows their entire posture of appearing to be this magical, hugely successful author guy.

Trust me, folks - any time some person tries to make you feel ignorant, or uncool about your ignorance, they are manipulating you. I've been down this road. Like the "teacher" who says that you're not ready to understand the answer. That you've only scratched the surface of some knowledge so profound that you have all this work to do just to figure out how to ask the right question. There's some truth to this, that as you learn a subject, you get better at asking the questions that target what you really need to know. But that does not mean you're not allowed to ask ANY questions to begin with. Not unless they're trying to control you and keep you in a subordinate position.

For people like this, positioning themselves as successful, powerful, or knowledgeable depends on positioning other people as unsuccessful, weak, and ignorant. Don't go along with it.

4. Always consider the motivation.

People do things for a variety of reasons, not always noble ones. It *always* serves you well to ask WHY someone is doing something. And, while you might take into consideration the reasons they give you, don't accept those at face value. In fact, look closely at why I spent a couple of hours writing this blog post. I'll tell you what I think they are, but I also know you might see other ones. What I think:

• I write a blog post every Sunday for the SFF Seven as part of promoting myself as a writer of fantasy, among other genres.
• Promoting my profile as an author sells books, hopefully. I like blogging, but I don't do it out of the goodness of my heart.
• This stuff was on my mind and so I was ready to take the topic in this direction.
• I have experience with manipulations of this type and it pisses me off. If I can help someone else see through these shenanigans, I'm happy.
• I really do believe in mentoring and paying it forward. There's a lot of bad information out there. Good information is needed to counter it.
• Also, I didn't want to spend a lot of time arguing with people one by one who are enthused about this event. It (likely) wouldn't convince them, might make me a target which I'm not interested in investing my energy in, and would ultimately just aggravate me. By writing this post, I get to have my say and move on.
• I have a good reputation for being generous and helpful (which I find immensely flattering), so I hope this post serves that. 
• I dunno, what else? Maybe I just want you all to tell me I'm pretty.

So, what do you all think? I already went on long, so I didn't go through every red flag I can think of, because there are many. But what ones have you noticed?