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Gen X’ers Are Sharing The Things They Were Told Growing Up That Turned Out To Be Disproved

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I think we all heard growing up that you shouldn’t swim for at least 30 minutes after eating. Well, that fact has been proved false. Needless to say, there are a lot of other things we were told growing up that turned out to be false.

Two kids swimming underwater with goggles
Imgorthand / Getty Images

And a few months ago, Reddit user u/monsterpupper was curious about which things Gen Xers were told growing up that ended up being untrue when they asked, “What would some of our disproven facts be?”

Man holding up a "Time for Facts" label
Gustavofrazao / Getty Images/iStockphoto

Well, thousands of Gen X’ers shared the big myths they were told. And here are some of the top and best comments:

1.”I thought we were going to be offered drugs by strangers a whole lot more.”

A "Say no to crack and other drugs" PSA
Smith Collection / Getty Images

2.”The food pyramid is a healthy way to eat.”

The food pyramid, showing "fats, oils, and sweets" at the top (use sparingly), then dairy (2–3 servings), protein (2–3 servings), fruit (2–4 servings), veggies (3–5 servings), and bread, cereal, rice, and pasta at the bottom (6–11 servings)
Beth Keiser / Corbis via Getty Images

3.”You won’t always walk around with a calculator in your pocket.”

A Little Professor calculator

u/aging_genxer

“Yes! Suck it, eighth-grade math teacher! In the future, we all walk around with a calculator!!!”

—u/[deleted]

Science & Society Picture Librar / SSPL via Getty Images

4.”The safest place to be during a nuclear strike is under your desk.”

Black-and-white photo of children crouched under their school desks
Bettmann / Bettmann Archive / Getty Images

5.”I took my son to a dinosaur exhibit; literally everything I learned about dinosaurs is now wrong, including names of dinosaurs.”

Teacher holding up a book about dinosaurs in class of young kids

u/urstillatroll

“I still remember reading books that the dinosaurs evolved into modern-day reptiles, only to be taught again many years later that dinosaurs are actually modern-day birds.”

u/671sjk

Denver Post / Denver Post via Getty Images

6.”Eggs are bad for you. No, wait, they are good for you…hang on, are they bad again?”

A cartoon egg holding a tray of food including an egg, toast, milk, and fruit
California Egg Council / ClaymationKid / Via youtube.com

7.”Your child is hyperactive solely because of sugar.”

Close-up of sugary fruit-shaped and other candy
Fcafotodigital / Getty Images/iStockphoto

8.”If I swallow gum, it will take seven years to digest.”

Close-up of Bubble Yum grape bubble gum

9.”Not on fire as much as I thought I would be. So much ‘Stop, drop, and roll’ growing up.”

Cartoon character on fire illustrating "Stop, drop, and roll!"
Cartoon character on fire illustrating “Stop, drop, and roll!”

TBS

u/-Economist-

“I recently discovered that my niece and nephew haven’t been taught about ‘Stop, drop, and roll’ in school. They looked at me like I was crazy when I explained it to them!”

u/NoodleNeedles

10.”Don’t sit too close to the TV or you’ll go blind! Then computers came and we would have to spend eight-plus hours at work with a screen 5 inches from our eyes.”

Child lying on their stomach on the floor and watching a small TV about 5 inches from their face

11.”Acid rain wasn’t an actual threat to the extent it was touted. Oh, and killer bees!!! 😆”

A man holding an "acid rain umbrella" and wearing a "stop acid rain" sticker in a crowd of protesters
Diana Walker / Getty Images

12.”The tongue has a map of different taste buds that taste different things.”

Five illustrations showing, sweet, salty, sour, bitter, and umami sections of the tongue

u/umKatorMissKath

“The tongue map being debunked was one of those ‘I fucking knew it!’ moments when I started reading about how they BS’d us with this one.”

u/TakeTheThirdStep

Peterhermesfurian / Getty Images/iStockphoto

13.”Japanese cars are poor quality and unreliable.”

A Honda car on a gravel road
Heritage Images / National Motor Museum/Heritage Images via Getty Images

14.”Slightly foolish but true, LOL: that quicksand would be a real-life problem”

A hand sticking up out of the sand

u/TwoforFlinching613

“Dude, it was quicksand and amnesia for me — like, I was ready for that shit, and nothing. But it seems it was more cartoon narrative tropes than anything. Oh well.”

u/granitebudget1

Motortion / Getty Images/iStockphoto

15.”You will have to write in cursive for the rest of your life.”

A man writing on a piece of paper on a table

16.”Plastic bags will save the Earth because we won’t have to kill as many trees to make brown paper bags to carry groceries.”

A plastic "Thank you for shopping with us" shopping bag
Shana Novak / Getty Images

17.”The United States will be using the metric system by 1983.”

Metric vs imperial rulers
Ievgenii Volyk / Getty Images/iStockphoto

18.”Technology would give us so much free time in the future that we’d only have to work 5–10 hours a week. And we’d be able to do it from home, and employers would be on board with it. That one still hurts.”

"The Jetsons" cartoon mom and dad sitting and relaxing

19.And last: “Mikey didn’t die after eating Pop Rocks while drinking a Coca-Cola.”

Close-up of Mikey eating Life cereal

You can read the full thread of responses on Reddit.

Note: Some responses have been edited for length and/or clarity.

Airlines Are Thriving as People Keep Traveling

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Summer travel is off to a roaring start, with little sign of a slowdown on the horizon. And airline executives say they are doing all they can to keep up, including contending with bad weather and congestion in the skies and on the ground.

Three of the nation’s largest carriers — American Airlines, Delta Air Lines and United Airlines — set records for quarterly revenue in the three months that ended in June. Profits more than doubled from the same period last year, and the three companies raised their projections for how much they would earn this year.

“We’re still in a world where demand is very strong,” Vasu Raja, American’s chief commercial officer, told reporters and investors on a call on Thursday.

The strong quarterly results underscore the durability of the travel industry’s recovery coming out of the pandemic. June was slightly busier than the same month in 2019, and July appears to be on track to match prepandemic traffic. The Transportation Security Administration screened nearly 2.9 million people on the Friday before the Fourth of July weekend, the most it has ever handled in a single day.

But the recent recovery has been marred by problems, including delays and cancellations around the country.

Airlines and the air traffic control system have struggled to overcome bad weather, technology problems, staffing shortfalls and other disruptions over the past two years, contributing to major meltdowns like the one that Southwest Airlines suffered over several days in late December. Delays and cancellations have often cascaded on themselves, disrupting air travel for days, leaving many people stranded far from their destinations.

Weather has been responsible for nearly 70 percent of flight delays this year, compared with just under 61 percent during the same period last year, according to federal data. Heavy traffic has also contributed to delays.

United struggled to overcome a disruption before July 4, for which it had initially blamed bad weather and an air traffic control staffing shortage affecting its hub at Newark Liberty International Airport, but other airlines in the region did not struggle nearly as much. In the week leading up to the holiday weekend, the airline canceled about 17 percent of all of its flights and delayed more than 51 percent, according to FlightAware, an aviation data provider.

Overall, about 1.8 percent of planned flights were canceled in the two months that ended on Tuesday, compared with 1.9 percent over the same period in 2019, according to FlightAware data. But many more were delayed: about 25 percent over the past two months, up from about 19 percent in the same period in 2019.

Airlines say they have taken steps to prevent disruptions, including spending on technology, hiring and training. After its recent struggles, United said it would fly less during peak times, use more gates and make other changes.

“We’re now doing more than ever to mitigate the impact of weather, congestion and other infrastructure constraints at Newark,” said Scott Kirby, United’s chief executive.

While domestic travel has been strong for quite some time, airlines say more Americans are traveling overseas.

American said passenger revenue from international travel rose nearly 22 percent from the same quarter last year, while Delta said it set a record for international revenue in the second quarter. United said this week that it would add more flights to Asia in October.

Driven by high demand, a round-trip international flight on average costs about $971, up nearly 24 percent from prices at this time in 2019, according to Hopper, the travel app.

Those rising fares have been good for airlines, and American, Delta and United say they expect the good times to continue. Delta, for example, now expects revenue to rise at least 17 percent this year from last year.

Ticket prices spiked a year ago, as airlines struggled to meet demand and the Russian invasion in Ukraine drove up the price of jet fuel. But fuel prices have come back down. American said it spent a third less on fuel during the second quarter than it did a year earlier, saving about $1.3 billion.

Partly as a result, the average price for a round-trip domestic flight was down more than 13 percent, to $261, on Thursday from the same day last year and more than 9 percent from 2019, according to Hopper. June fares fell so much from a year earlier that the drop contributed to a decline in overall inflation.

Even as fuel prices have fallen, labor costs have gone up. American said it spent about 12 percent more on salaries, wages and benefits in the second quarter compared with a year earlier. The airline is negotiating a new contract with its pilots’ union, which is expected to include substantial pay raises.

Over the weekend, pilots at United reached an agreement with the company on a contract valued at $10 billion that would increase pay up to 40 percent over four years, an increase that American said it would match. In March, pilots at Delta approved a contract that would increase wages 34 percent by 2026.

United and American are also negotiating contracts with the unions that represent their flight attendants.

Antigovernment Protests in Kenya Leave Several Dead and Streets in Chaos

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Kenya’s boisterous news outlets are normally fierce rivals. But on Thursday they set aside their competitive instincts to issue an urgent appeal for calm as Kenya plunged deeper into chaotic anti-government demonstrations that have left at least 31 people dead in recent weeks and present the gravest challenge yet to the nearly year-old rule of President William Ruto.

“Let’s save our country,” read an identical banner headline across the front pages of the Daily Nation, Standard and other major papers.

Kenya risks tumbling into “a dark and dangerous abyss,” the joint article said, if its leaders fail to resolve a boiling crisis that has destabilized one of Africa’s strongest democracies.

Police clashed with demonstrators on Thursday in the second of three days of planned nationwide protests against soaring food and fuel prices and steep tax hikes. Two people were killed on Thursday, according to local news media, in protests in Kisumu, a western city and opposition stronghold. On Wednesday, six people in the country were killed in clashes when police fired live rounds, and about 300 were detained.

Clouds of tear gas and black smoke from burning tires drifted over the capital, Nairobi, and several other cities, where running battles between the police and protesters caused businesses and schools to close on Wednesday. On Thursday, the police appeared to be gaining the upper hand, and some stores and schools reopened.

The United Nations Human Rights office, citing reports that Kenyan police killed 23 people in protests last week, called for an investigation into the “disproportionate use of force.” On Wednesday, protests erupted in 13 of Kenya’s 47 counties — fewer than last week, said a Western diplomat speaking on the condition of anonymity because they were not authorized to speak publicly.

The protests are led by Raila Odinga, the opposition leader defeated by Mr. Ruto in last August’s presidential election — a loss he still refuses to formally accept, even though election observers and Kenya’s Supreme Court validated the result.

Since March, Mr. Odinga has periodically held mass rallies accusing Mr. Ruto of rigging the election and mismanaging the economy. He is tapping into a deep wellspring of public frustration at the rising cost of living, with wheat prices up 30 percent and sugar up 60 percent in the past year.

“The president is hard on us,” Anne Gakoi, a basket trader, said at her roadside stall on the northern edge of Nairobi. She reeled off a list of the items now too expensive: sugar, maize flour, her daughter’s school fees, the sisal to make her baskets.

Then Mr. Ruto rammed through an unpopular new tax to build more housing. “We can make our own money, and build our own houses,” she said. “He’s not being fair on us.”

But as Mr. Odinga’s largely poor supporters, many from his ethnic Luo group, confronted armed Kenyan riot police on the street, in private his representatives are issuing demands that focus more narrowly on political self-interest, diplomats and analysts said in interviews. Mr. Odinga is seeking a number of concessions including a top posting at the African Union.

Some on Mr. Odinga’s team are seeking a new “handshake” — a reference to the political truce he agreed to with the previous president, Uhuru Kenyatta, in 2018, that effectively neutered Kenya’s parliamentary opposition for the following four years.

There has been no sign of Mr. Odinga this week, leading to speculation on social media. On Wednesday, his daughter Winnie said in a Tweet that he was “fine.” Mr. Odinga’s aides have privately told Western officials that he has the flu.

Much of Kenya’s economic woes are the product of global headwinds beyond Mr. Ruto’s control, such as the war in Ukraine and rising interest rates. The Kenyan president, who was previously vice president, inherited a national debt that quadrupled to $61 billion in the past decade.

But Mr. Ruto also stoked popular anger by meting out harsh economic medicine to his own supporters and adopting an uncompromising stance toward critics.

“Listen to me carefully,” Mr. Ruto said on Friday in a speech in which he vowed to crush the protests. “You cannot use extrajudicial, extra-constitutional means to look for power in Kenya. Wait for 2027. I will beat you again.”

Kenyan religious and business leaders, as well as foreign diplomats, say they have reached out to both sides in recent days in an effort to broker a deal to end the protests. The specter of the post-election clashes of 2007 and 2008, which caused hundreds of deaths and nearly tipped the country into civil war, looms large.

The protests have cost the country about $20 million each day, not counting lost foreign investment, according to Kenya’s national statistics agency. While Kenya has long been seen as the economic powerhouse and prime tourist destination of East Africa, some investors are now looking to neighboring Tanzania, for decades its poor neighbor, as a more attractive option.

The focus of the protests is a tough new finance bill, signed into law by Mr. Ruto last month, that includes a deeply unpopular 1.5 percent levy on salaried workers for a housing and jobs fund. A Kenyan court blocked the law recently, citing constitutional irregularities. Even so, Mr. Ruto pressed ahead with other measures, including a doubling of the fuel tax to 16 percent — a measure that hit his own voters hard.

In last year’s election, Mr. Ruto painted himself as the champion of Kenya’s “hustlers” — young people who, like him, had come from modest backgrounds and were striving to get ahead. But now many of those hustlers, feeling betrayed, are taking to the streets.

“Never should we take it for granted that we can never tip into full-scale genocide or civil war,” Kenya’s editors wrote on Thursday. “We must all step back and take a long, hard look at ourselves.”

Women’s World Cup Begins With Wins for New Zealand and Australia

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At least two people were killed and five others injured after a gunman stormed a building under construction in Auckland, New Zealand, early Thursday, hours before the first soccer match of the Women’s World Cup was scheduled to begin in the city.

The gunman was later killed, the police said at a news conference on Thursday afternoon. They also said that a police officer was among those injured; he was taken to a hospital in critical condition, and his condition had stabilized.

The authorities have not identified the gunman, but the police said he was believed to have been 24 years old and had worked at the construction site where the shooting occurred.

The police commissioner, Andrew Coster, said that the gunman’s motive was believed to have been “connected to his work at the site.” He was under a home detention order but had permission to be at the construction site. He was known to police because he had a history of domestic violence, Mr. Coster said, adding that there had also been “some indications of mental health history.”

He did not possess a firearms license for the shotgun he used, the authorities said.

The New Zealand Herald also reported that he appeared before a local court in March on charges including assaulting a woman and injuring with intent to injure, and had been ordered to wear an electronic monitoring ankle bracelet.

Police officers standing guard near a construction site following a shooting at that location in Auckland, New Zealand, on Thursday.Credit…David Rowland/Reuters

The shooting occurred as teams from New Zealand and Norway were set to play at 7 p.m. local time at Eden Park Stadium, about three miles from the site of the shooting. Several World Cup teams and many fans are staying in Auckland’s central business district, and the shooting occurred very close to Norway’s team hotel and near a fan festival set up for the tournament.

The United States team, which will play its first game of the tournament in Auckland against Vietnam in two days, is also staying in the area. The teams from Norway and the U.S. said their players and staff were safe and their preparations would proceed as usual.

New Zealand’s match against Norway on Thursday night began on a somber note: a moment of silence for the victims of the shooting. Players from both teams gathered at midfield, and New Zealand’s reserves and coaching staff left their dugout to stand on the touchline in solidarity.

A minute of silence will also be observed at the match between Australia and Ireland on Thursday night, FIFA said in a statement.

The New Zealand Police began receiving reports of a person firing a gun inside the construction site at about 7:22 a.m. local time, Mr. Coster said.

The police said after an armed man entered the high-rise building — which was occupied by dozens of construction workers — on lower Queen Street, he opened fire on the third floor, and made his way through the 21-story building, shooting as he went.

Passers-by and commuters heard the volley of gunshots during the morning rush hour. Armed police officers and vehicles swarmed the area, and the authorities shut down parts of the city.

The shooting took place in a busy downtown area crowded with office buildings and hotels across the street from a ferry terminal on the city’s waterfront.

New Zealand’s prime minister, Chris Hipkins, said at a news conference that the shooter had been armed with a pump-action shotgun and that it appeared he had acted alone.

Members of the Philippines Women’s World Cup team in Auckland on Thursday. New Zealand’s prime minister, Chris Hipkins, said the Women’s World Cup would proceed as planned.Credit…Abbie Parr/Associated Press

Within minutes, scores of police officers carrying automatic weapons descended on the site, warning people to take cover and ushering them out of the area. Streets were closed in a two-block area, and a police helicopter hovered overhead. Officers pursued the gunman to the upper floors, and, once there, an exchange of gunfire — audible on the street below the tower — ensued.

The police confronted the gunman in an elevator shaft where he had barricaded himself, and tried to engage with him, the police said.

“The offender fired at police, injuring an officer,” the police said. “Shots were exchanged, and the offender was later found deceased.”

Mr. Coster said he was unsure if the gunman had been killed by the police.

Construction workers, many of whom hid in the building during the shooting, were released hours later, and the police cleared the building.

Mr. Hipkins said the Women’s World Cup would proceed as planned. FIFA, soccer’s global governing body and the organizer of the tournament, said its top leaders had communicated with the New Zealand authorities and that the organization was “in constant contact with the participating teams affected by this incident.”

At a second news conference on Thursday afternoon, he said that the authorities would conduct a review of the handling of the suspect while he was in home detention, and whether there were any red flags about his behavior.

Asked whether the attack showed a failure of New Zealand’s strict gun laws, he said that the authorities needed to investigate how the gunman obtained the firearm “before we make any judgment on the robustness or otherwise of our gun laws.”

Police officers cordoning off an area near the site of the shooting in central Auckland on Thursday.Credit…Saeed Khan/Agence France-Presse — Getty Images

Norway’s players were all in their hotel during the shooting; some were still asleep, but local news reports said a few had come down for breakfast in a dining room just off the ground-floor lobby. As the police moved to close off access to the area around the shooting, security guards asked members of the Norway delegation to stay inside the hotel, according to Lise Klaveness, the president of Norway’s soccer federation.

“Everything is calm in the Norwegian squad,” Halvor Lea, a spokesman for the Norway women’s team, said in a statement. “Preparations are going as normal.”

In another statement, Maren Mjelde, the captain of the Norway team, said many players most likely had woken up to the sound of a helicopter outside and the emergency vehicles that had arrived out front.

“We felt safe the whole time,” she said.

This was the first major shooting in New Zealand since the country banned most semiautomatic rifles in 2019, after 51 people were killed when a white supremacist opened fire on Muslims praying in two mosques in Christchurch.

Days after that shooting, Jacinda Ardern, the prime minister at the time, announced a temporary ban on most semiautomatic weapons, and a monthslong gun buyback and amnesty program began. Later that year, a sweeping nationwide ban went into effect.

Even before then, gun ownership was relatively rare in New Zealand, and gun violence is considered unusual. But in 1997, six people were killed and four others injured in the North Island town of Raurimu.

And in 1990, a gunman in the small seaside township of Aramoana killed 13 people and injured three others before he was shot dead by the police. The shootings led to a 1992 amendment to the regulations on military-style semiautomatic weapons.

Juliet Macur and Andrew Das reported from Auckland, New Zealand, and Yan Zhuang from Sydney, Australia. Tariq Panja contributed reporting from Sydney, Australia.

‘How to Dance in Ohio,’ a Musical, Plans a Fall Broadway Opening

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“How to Dance in Ohio,” a poignant new musical about a group of young autistic adults gearing up for a spring dance, will open on Broadway late this year, with a cast of seven autistic performers playing the central roles.

The musical is based on a 2015 documentary from the filmmaker Alexandra Shiva that followed participants in a social skills therapy program for people on the autism spectrum; the musical is also set at a therapy program, and it tells the story of young adults preparing for a dance that they hope could help them confront some of the challenges they face in navigating social interactions.

The musical had a previous run last year at Syracuse Stage in central New York; the production schedule was cut short when Covid cases arose among the cast and crew. The review of the show in The Post-Standard, a Syracuse newspaper, was headlined “The musical you’ll talk about for the rest of your life” and called it “exhilarating, groundbreaking, celebratory.”

Casting is not yet complete, but will include several actors making their Broadway debuts: Desmond Edwards, Amelia Fei, Madison Kopec, Liam Pearce, Imani Russell, Conor Tague and Ashley Wool. Among the others on the bill so far are Haven Burton and Darlesia Cearcy.

“How to Dance in Ohio” features a book and lyrics by Rebekah Greer Melocik and music by Jacob Yandura; it is directed by Sammi Cannold and choreographed by Mayte Natalio. The famed director and producer Hal Prince was initially attached to the project; he died in 2019.

The musical is being produced by a company called P3 Productions, which is led by Ben Holtzman, Sammy Lopez and Fiona Howe Rudin, along with Level Forward, the production company co-founded by Abigail Disney. It is being capitalized for up to $15.5 million, according to a filing with the Securities and Exchange Commission.

The show is to begin previews Nov. 15 and to open Dec. 10 at the Belasco Theater.

Galileo FX CEO: “Addressing Losses, Not Ignoring Them, Paves the Way for Profit”

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“We’re Not in Wonderland” CEO of Galileo FX Debunks Industry’s Profits-Only Narrative

AREZZO, ITALY – July 19, 2023 – In the high-risk, high-reward world of financial trading, one often overlooked adversary silently chips away at profits: losses. Traditionally, trading product manufacturers have painted a picture of potential profits, overlooking the inherent reality of trading – losses are the biggest part of the game. This approach, while appealing to optimistic traders, has led to a stark disconnect between expectations and reality, culminating in a crisis of trust in the industry.

According to a 2022 survey by the Financial Conduct Authority (FCA), nearly 82% of customers lose money in derivatives trading. This statistic underscores the essential truth – trading is as much about managing losses as it is about reaping profits.

In light of this, one firm, Galileo FX, is shaking up the industry. Helmed by industry veteran Davide Materazzi, the algorithmic trading software firm acknowledges the importance of confronting the issue of losses and equipping traders with necessary tools to manage them effectively.

“It’s time the industry stops promoting fantasies of effortless profits. Trading losses aren’t a probability, they’re a certainty. We’re in the business of hard truths, equipping traders with innovative tools to navigate these inevitable downturns, not sugarcoating the challenges. Our aim? Resilient traders, armed with strategies to keep losses to a minimum.” says Materazzi.

Guiding traders through the minefield of losses, Galileo FX promotes a realistic and pragmatic approach to trading. Their trading robot incorporates a five-tiered loss protection system, including stop loss settings, max orders, consecutive signals, lot size adjustment, and advanced trailing start & step settings.

A recent report by TradingSim indicated that using such protective measures can help reduce losses by up to 40%, a statistic that underscores the effectiveness of Galileo FX’s methodology. By acknowledging the reality of losses and offering solutions, Galileo FX stands out as a breath of fresh air in an industry often shrouded in unrealistic expectations and lofty promises.

Galileo FX’s unique approach to customer education, transparency, and loss prevention seems to be resonating well within the industry. In the first half of 2023, the company reported a customer base growth of 30%, according to data from Forex Magnates.

The advent of Galileo FX signals a paradigm shift in the financial trading industry. With an open conversation about losses and practical tools to handle them, the company is leading the charge in creating a more honest, customer-centric trading environment.

While losses may continue to be the unseen enemy of trading, firms like Galileo FX are finally bringing this adversary into the light, preparing traders for the realities of the industry, and providing tools to effectively manage and mitigate these potential setbacks.

About Galileo FX

Galileo FX is an automated forex trading software provider offering a highly customizable and user-friendly platform designed for traders. The software, compatible with MetaTrader 4 and MetaTrader 5 platforms, operates 24/7, executing trades based on customizable settings and live market conditions. Equipped with a comprehensive suite of features, including adjustable settings, built-in money management system, trailing stops, break-evens, and five tiers of loss protection, Galileo FX ensures a dynamic trading experience that caters to the users’ risk tolerance and investment goals.

For more information, visit galileofx.com

Media Contact:
Galileo FX
support@galileofx.com

Tripped Up: What to Do If Your Travel or Tour Company Goes Bankrupt

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In 2021, my husband, my sister and I signed up for a five-day Tremendous Tawas Lake Huron tour run by Pardson, the Ohio company that publishes Bird Watcher’s Digest magazine. We paid almost $4,800 in all. The tour was canceled because of Covid that year, but we were so eager to see the rare Kirtland’s warbler that we accepted a credit. Shortly before the rescheduled trip was to leave in May 2022, the company emailed to tell us it was going out of business, and someone would contact us about a refund. No one did, but through my own efforts I got in touch with Jack Harris, the receiver responsible for the dissolution of Pardson. He told me the only way to get my money back would be through my credit card. But American Express said I was too late. Can you help? Paige, Atlanta

My inbox is full of messages from people who, like you, gave no thought to whether the company they booked a trip with would remain solvent until their departure date.

Most of those complaints, though, concern lost flights and cruises, not the missed chance to see a yellow-breasted songbird so rare that it breeds almost exclusively in the shade of young jack pine trees of Michigan and Wisconsin.

What this avian cutie has against the shade of more mature trees is beyond the scope of this column. But I can tell you the frustrating reason behind your money being gone forever — even though many others, in similar situations, can get their money back relatively easily.

We are talking, essentially, about bankruptcy. But I’m not using that term here because, technically, it applies only to cases filed in the federal court system — often using the infamous Chapters 7 and 11 statutes. Pardson, the company that published the birding magazine since 1978 and ran its tours, filed in the Ohio state court system.

But for our purposes, the federal and state processes are, like crows and ravens, more alike than different. And in both systems, there is one pretty straightforward way for travelers to recover their money, and another — with much longer odds — if the first way fails.

The easy way is through a credit card, although only under specific conditions. To begin, the traveler has to have used a credit card — debit cards and other forms of payment won’t work. That’s because credit card issuers must follow the Fair Credit Billing Act, signed into law by President Gerald R. Ford in 1974. Under one provision of this law, credit card issuers are required to refund card holders who were victims of billing errors.

The law’s definitions of “billing error” includes a company’s later failure to deliver a good or service. How does a bankruptcy retroactively turn what was a legitimate purchase into a billing error? I don’t know, but I’m not complaining.

You did use a credit card, an Amex with an annual fee of $500. But it turns out the magazine gave you bad advice when they canceled the tour in 2022 and told you to wait for someone to get in touch about a refund. If they had instead recommended you contact your credit card company immediately, you would likely have gotten your money back.

That is true even though the Fair Credit Billing Act technically requires you to get in touch with your card issuer within 60 days of purchase. In an email, American Express spokeswoman Jessica Defilippo wrote: “Generally, the 60-day limit can be extended to give card members up to 120 days from the time of purchase, or in the case of pre-booked travel, from the date travel was intended to take place.”

That last part is the key, since many people book travel far in advance. Spokesmen from Bank of America and Chase told me their credit cards have similar policies.

That’s great for everyone but you. You mentioned Mr. Harris, the receiver with Pardson, advised you to try American Express and explain to them you only just found out about the company’s collapse.

That was nearly 11 months after your travel date, though, and as you know, American Express rejected your claim, likely because it had just been too long. (Ms. Defilippo wrote that “every case is evaluated uniquely,” but that she could not comment on your specific case.)

That leaves you with the second and more treacherous road to a refund: to file a claim on the liquidated assets of the company, now controlled by Mr. Harris and subject to approval by the Court of Common Pleas of Washington County, Ohio.

Marvin Sicherman, a longtime bankruptcy attorney who also teaches law at Case Western Reserve University in Cleveland, sought to dampen any expectations. His take, after I described your case:

“I like to tell people who are creditors, ‘Close your eyes. What do you see? Nothing? Well, that’s what you’re going to recover.’”

Mr. Harris declined to comment. I knew the court documents would contain the information, but struggled to access them until I got a deft assist from Brenda Wolfe, Washington County clerk of courts in since 1979. (She picked up my cold call on the first ring.)

The documents showed that when Pardson failed, it had very few assets beyond a van and computer equipment. When I forwarded the documents to Mr. Sicherman, he said that those assets would likely cover little more than Mr. Harris’s fees. Anything beyond that, he said, would go to employees or secured creditors, like a bank that could repossess property from a mortgage or car loan. For you, as an unsecured creditor, filing a claim is unlikely to be worth the time.

The court documents did reveal that Mr. Harris got the judge to approve the sale of the magazine itself to a new owner. But that owner, which renamed the magazine BWD, only took on the responsibility of fulfilling about $200,000 in unfulfilled subscriptions to subscribers, not any liabilities with tours.

The new publisher also did not respond to my emails, but a local NBC affiliate report from March 2022 noted that the new publisher had taken on some of the old staff, and — frustratingly for you — that one of the reasons the magazine went under was “having to issue refunds to birding tours due to the pandemic.”

That leads us to a two-part lesson. Part I: When a trip is canceled and you are given the choice between getting your money back or accepting credit, take the money. Part II: When you are not given a choice, plead for the money anyway, since if the company fails or never runs the tour, you’re out of luck.

Here’s a small piece of good news for everyone: the scenario above typically applies when a company is dissolved, never to be seen again. There is more hope for consumers when a corporation reorganizes through bankruptcy, since companies may strive to not alienate loyal customers.

And then there’s the lesson Jenn of Brooklyn, another Tripped Up reader, learned earlier this year. Her family’s New York to Sicily trip was disrupted when Flyr, a two-year-old Norwegian carrier, filed for bankruptcy in January, foiling her husband and sons’ plans to fly a major airline to Oslo and then hop Flyr’s bargain Oslo-to-Palermo route. When Flyr went under, they were stuck with round-trip tickets to Oslo and no easy way to get from there to Italy. After writing to me, but still within 60 days of purchase, Jenn sought and received a refund from her Chase Sapphire Preferred card. But the cost and inconvenience of piecing together new, indirect flights has left her ruing the day that she tried to save money with an untested airline.

When I suggested to Mr. Sicherman that travelers might want to avoid newer, untested companies, he told me it wasn’t that simple. “The typical consumer has no way of determining the creditworthiness of any business entity they do business with,” he said.

But thanks to that Ford-era law, you can minimize your risk by using the best credit card you’ve got.

If you need advice about a best-laid travel plan that went awry, send an email to TrippedUp@nytimes.com.

Oppenheimer Review: A Man for Our Time

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The film’s virtuosity is evident in every frame, but this is virtuosity without self-aggrandizement. Big subjects can turn even well-intended filmmakers into show-offs, to the point that they upstage the history they seek to do justice to. Nolan avoids that trap by insistently putting Oppenheimer into a larger context, notably with the black-and-white portions. One section turns on a politically motivated security clearance hearing in 1954, a witch hunt that damaged his reputation; the second follows the 1959 confirmation for Lewis Strauss (a mesmerizing, near-unrecognizable Downey), a former chairman of the United States Atomic Energy Commission who was nominated for a cabinet position.

Nolan integrates these black-and-white sections with the color ones, using scenes from the hearing and the confirmation — Strauss’s role in the hearing and his relationship with Oppenheimer directly affected the confirmation’s outcome — to create a dialectical synthesis. One of the most effective examples of this approach illuminates how Oppenheimer and other Jewish project scientists, some of whom were refugees from Nazi Germany, saw their work in stark, existential terms. Yet Oppenheimer’s genius, his credentials, international reputation and wartime service to the United States government cannot save him from political gamesmanship, the vanity of petty men and the naked antisemitism of the Red scare.

These black-and-white sequences define the last third of “Oppenheimer.” They can seem overlong, and at times in this part of the film it feels as if Nolan is becoming too swept up in the trials that America’s most famous physicist experienced. Instead, it is here that the film’s complexities and all its many fragments finally converge as Nolan puts the finishing touches on his portrait of a man who contributed to an age of transformational scientific discovery, who personified the intersection of science and politics, including in his role as a communist boogeyman, who was transformed by his role in the creation of weapons of mass destruction and soon after raised the alarm about the dangers of nuclear war.

François Truffaut once wrote that “war films, even pacifist, even the best, willingly or not, glorify war and render it in some way attractive.” This, I think, gets at why Nolan refuses to show the bombing of Hiroshima and Nagasaki, world-defining events that eventually killed an estimated 100,000 to upward of 200,000 souls. You do, though, see Oppenheimer watch the first test bomb and, critically, you also hear the famous words that he said crossed his mind as the mushroom cloud rose: “Now I am become death, the destroyer of worlds.” As Nolan reminds you, the world quickly moved on from the horrors of the war to embrace the bomb. Now we, too, have become death, the destroyers of worlds.


Oppenheimer
Rated R for disturbing images, and adult language and behavior. Running time: 3 hours. In theaters.

Health Insures Deny Medical Care for the Poor at High Rates, Report Says

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Private health insurance companies paid by Deny Medical Care millions of requests for care for low-income Americans with little oversight from federal and state authorities, according to a new report by U.S. investigators published Wednesday.

Medicaid, the federal-state health insurance program for the poor that covers nearly 87 million people, contracts with companies to reimburse hospitals and doctors for treatment and to manage an individual’s medical care. About three-quarters of people enrolled in Medicaid receive health services through private companies, which are typically paid a fixed amount per patient rather than for each procedure or visit.

The report by the inspector general’s office of the U.S. Department of Health and Human Services details how often private insurance plans refused to approve treatment and how states handled the denials.

Doctors and hospitals have increasingly complained about what they consider to be endless paperwork and unjustified refusals of care by the insurers when they fail to authorize costly procedures or medicines. The companies that require prior authorization for certain types of medical services say these tools are aimed at curbing unnecessary or unproven treatments, but doctors claim it often interferes with making sure patients receive the services they need.

The investigators also raised concerns about the payment structure that provides lump sums per patient. They worried it would encourage some insurers to maximize their profits by denying medical care and access to services for the poor.

The report emphasized the crucial role that state and federal officials should play to ensure the denials were justified. “People of color and people with lower incomes are at increased risk of receiving low-quality health care and experiencing poor health outcomes, which makes ensuring access to care particularly critical for the Medicaid population,” the investigators said.

The for-profit insurance companies, including Aetna, Elevance Health, Molina Healthcare and UnitedHealthcare, operated some Medicaid plans that denied medical care under requests for prior authorization of services by rates that were greater than 25 percent in 2019, the report found. About 2.7 million people were enrolled in these plans at the time. Another 8.4 million were enrolled in plans with above-average denial rates from 15 to 25 percent.

Molina, based in Long Beach, Calif., operated seven plans with denial rates greater than 25 percent, according to the report. Its Illinois plan denied 41 percent of requests.

Kristine Grow, a spokeswoman for AHIP (formerly America’s Health Insurance Plans), an industry trade group, said in a statement that insurers “are held accountable through extensive oversight” by the federal and state governments.

The companies named in the inspector general’s report did not respond immediately to requests for comment.

Doctors agree that Medicaid patients may not wait for the insurer to approve the care, let alone reverse its decision. “You don’t always have the opportunity to see a patient, send in a prior authorization request and schedule them back in,” said Dr. Matthew Stinson, who works at the Jordan Valley Community Health Center in Springfield, Mo., which sees a large number of Medicaid patients. “It’s an access problem.”

Some of the clinic’s patients will skip care, he said. When an insurer denies an ultrasound for a pregnant woman, the center may decide to perform the test anyway because she may not return. “We don’t necessarily get paid for that ultrasound,” Dr. Stinson said.

The concern over inappropriate denials is not limited to Medicaid. Last year, the same investigators examined denials among private Medicare Advantage plans and found that some of the care that was rejected may have, in fact, been medically necessary. While the current report did not look at whether the Medicaid denials were valid, the investigators emphasized the insurers were much more aggressive in refusing to authorize care under Medicaid than under Medicare, the federal program for the elderly and disabled.

The companies denied one of eight requests in 2019, roughly two times the rate under Medicare Advantage, they said. Unlike with Medicare, if an insurer refuses to authorize a treatment, patients are not automatically provided with an outside medical opinion as part of their appeal. They are entitled to a state hearing.

“These differences in oversight and access to external medical reviews between the two programs raise concerns about health equity and access to care for Medicaid managed care enrollees,” the investigators said.

Patients also complain that it’s difficult to get care under these plans. Bri Moss, 34, in Dubuque, Iowa, has been diagnosed with diabetes since she was 12, but struggled to get her Medicaid plan to approve a doctor-recommended new insulin pump to help control her blood sugar.

“It might be a game changer for me,” said Ms. Moss, who added that her insurer initially would not cover it. Working with People’s Action, a national advocacy network, and a sister organization, Iowa Citizens for Community Improvement, where she is a member, Ms. Moss eventually won an appeal to get the device covered.

The investigators also found that state oversight of coverage denials was lax. Many states do not routinely examine the insurers’ denials nor collect information about how many times a plan denies requests for prior authorization. They do not make sure people can get another medical opinion if they want to appeal. The lack of review makes it challenging for federal and state officials to know if the insurers “are living up to their commitments to ensure coverage of medically necessary health care,” according to the report.

“In the absence of federal requirements, we see these three tools being used inconsistently,” said Rosemary Bartholomew, who helped lead the team that developed the report.

States are directly responsible for overseeing insurance providers of Medicaid coverage. But investigators urged the federal Centers for Medicare and Medicaid Services to require more oversight.

In the report, federal officials did not say whether they agreed with the investigators’ recommendations, and C.M.S. said it planned to review the report’s findings to determine any next steps.

The denial rates recorded by the investigators varied widely by insurer and by state. The investigators looked at 115 managed care organizations in 37 states operated by the seven multistate insurers with the highest Medicaid enrollment, representing some 30 million people in 2019. They requested information about denials from the insurers and surveyed the states about their oversight role.

Elevance, the for-profit insurer previously known as Anthem, had plans with denial rates that varied from 6 to 34 percent, while UnitedHealthcare had plans that had rates ranging from 7 to 27 percent.

“Although any individual prior authorization denial may be appropriate, it is unclear why some M.C.O.s,” or managed care organizations, “had rates of prior authorization denials that were so much higher than their peers,” the investigators said.

Ex-officer Derek Chauvin to ask US Supreme Court to review his conviction in murder of George Floyd

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MINNEAPOLIS (AP) — Former Minneapolis police Officer Derek Chauvin will ask the U.S. Supreme Court to review his conviction for second-degree murder in the killing of George Floyd, now that the Minnesota Supreme Court has declined to hear the case, his attorney said Wednesday.

The state’s highest court without comment denied Chauvin’s petition in a one-page order dated Tuesday, letting Chauvin’s conviction and 22 1/2-year sentence stand. Chauvin faces long odds at the U.S. Supreme Court, which hears only about 100 to 150 appeals of the more than 7,000 cases it is asked to review every year.

Floyd, who was Black, died on May 25, 2020, after Chauvin, who is white, pressed a knee on his neck for 9 1/2 minutes on the street outside a convenience store where Floyd tried to pass a counterfeit $20 bill. A bystander video captured Floyd’s fading cries of “I can’t breathe.” Floyd’s death touched off protests worldwide, some of which turned violent, and forced a national reckoning with police brutality and racism that is still playing out.

Chauvin’s attorney, William Mohrmann, told The Associated Press that they were “obviously disappointed” in the decision. He said the most significant issue on which they appealed was whether holding the proceedings in Minneapolis in 2021 deprived Chauvin of his right to a fair trial due to pretrial publicity and concerns for violence in the event of an acquittal. He said they will now raise that issue with the U.S. Supreme Court.

“This criminal trial generated the most amount of pretrial publicity in history,” Morhmann said. “More concerning are the riots which occurred after George Floyd’s death (and) led the jurors to all express concerns for their safety in the event they acquitted Mr. Chauvin — safety concerns which were fully evidenced by surrounding the courthouse in barbed wire and National Guard troops during the trial and deploying the National Guard throughout Minneapolis prior to jury deliberations.”

Mohrmann asked the Minnesota Supreme Court in May to hear the case after the Minnesota Court of Appeals in April rejected his arguments that he had been denied a fair trial. The Minnesota attorney general’s office, in a response last month, asked the Supreme Court to let that ruling stand instead.

“Petitioner received a fair trial, and received the benefit of a fulsome appellate review,” prosecutors wrote at the time. “It is time to bring this case to a close.”

The attorney general’s office did not immediately reply to a request for comment Wednesday.

Morhman asked the Court of Appeals and the Minnesota Supreme Court to throw out the ex-officer’s conviction for a long list of reasons, including the decision by Hennepin County Judge Peter Cahill not to move the trial out of Minneapolis despite the massive pretrial publicity, and the potential prejudicial effects of unprecedented courthouse security.

After his conviction on the state charge, Chauvin pleaded guilty to a separate federal civil rights charge and was sentenced to 21 years in federal prison, which he is serving in Arizona concurrent with his state sentence. Three other former officers who assisted Chauvin are serving shorter state and-or federal sentences for their roles in the case.

Only Tou Thao, who held back the concerned crowd, still faces sentencing in state court. That’s scheduled for Aug. 7. Thao rejected a plea agreement and, instead of going to trial, let Cahill decide the case based on written filings by each side and evidence presented in previous trials.

Cahill convicted Thao in May of aiding and abetting manslaughter. Minnesota guidelines recommend four years on the manslaughter count, which Thao would serve concurrently with his 3 1/2-year federal sentence.