Difference between revisions of "I Crush Everything"

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Bankruptcy, Is actually It A Way Out
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{{SongDetails
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|img=I crush everything.jpg
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|albumname=Where Tradition Meets Tomorrow
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Negotiations with creditors have failed. Repossession is imminent and foreclosure proceedings have begun. Your income is actually not sufficient to pay your bills, no matter how low the payments are. It may well become time to consider individual bankruptcy.  
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|length=4:43
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|release=10-01-2004
Individual bankruptcy law developed while a reaction to the abuses surrounding debtors prison. Before the nineteenth century a prison system existed for those types of who didn'big t pay their bills. If the merchant filed a claim, the debtor was actually incarcerated until his bad debts were paid. (Women were not present in debtor'utes prison, not because of chivalry but because they did riot have the ability to use). The lender was actually by law responsible for the expenses from the prison stay, including foods, but seldom paid. In the end, a debtor would have to sue so as to enforce this unique law, and it ended up being somewhat difficult to sue when in prison. Because a result, many debtors languished in prison for numerous years, surviving on what their family could bring to them or, in many cases, merely starving to death. Even though some lenders would doubtless not object to the renewal of debtor'utes prison, fortunately we live in much more enlightened times. Personal bankruptcy has been created to present a second chance (or third, or next) to those types of hopelessly in debt It supplies a tool to wipe the slate clean and begin anew. While times have transformed, though, so has the becoming a bankrupt code. Not most debts may be wiped out. The proceedings can be effortlessly disqualified in the event of improper methods. There are many things a debtor should realize before resorting to becoming a bankrupt.
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|songlink=I+Crush+Everything
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|demosonglink=I+Crush+Everything+(Demo)}}
The Individual bankruptcy Choice
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"'''I Crush Everything'''" is the third track on [[Jonathan Coulton]]'s second album, [[Where Tradition Meets Tomorrow]].
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There are two sorts of individual bankruptcy: Chapter 7 and Chapter 13. Chapter 7 becoming a bankrupt, named for the chapter number in the bankruptcy signal, requires a full liquidation of a lot of bad debts and cancels almost all no-exempt bad debts. Chapter 13 a bankruptcy proceeding will be essentially a court-mandated payment program that sets up cost-effective monthly payments to your creditors,
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== History ==
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"I Crush Everything" was originally written as part of [[John Hodgman]]'s [[Little Gray Books]] Lecture #25, "The Animals: Are They Our Enemies." This lecture took place on March 3, 2004.
The choice to declare becoming a bankrupt is actually not a pretty simple one particular. Sadly, many a bankruptcy proceeding attorneys recommend becoming a bankrupt to just about anybody they confer with with. Every single one too often frightened viewers are advised to declare personal just to avoid a couple of bad debts. That is a mistake. Bankruptcy should truly be considered a last location since the legal system meant it to end up being. A bankruptcy appears on your credit for five numerous years, and though lending criteria are gradually changing, many lenders won't even consider a good applicant who offers had a bankruptcy. What's much more, a Chapter 7 individual bankruptcy can cost you a lot of your property. Before coming up with a selection to declare bankruptcy, estimate exactly how poor your situation really will be. On a item of cardstock, make a variety of almost all your assets and the approximate value these people could be sold for. On the other side, always make sense all of your financial obligations. If the bad debts exceed the assets by a large percent, you may wish to consider bankruptcy. On the other poker holding, if it seems that your particular situation may improve (you may get a brand-new job or a second income), or if your assets are of greater value or close in value to your debts, a different approach may always be appropriate.  
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== Live performance==
Discuss with your creditors
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"I Crush Everything" is performed somewhat regularly at Jonathan Coulton concerts. Usually prefaced with a short explanation, "This song is about a self-loathing giant squid", the live version is essentially the same as the version on "Where Tradition Meets Tomorrow".   
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Explain your situation and question for a lot more time to pay. If the creditors refuse and continue to threaten garnishment explain to them this sort of motion would force you into personal. No creditor is determined to hear the "B" term. Using becoming a bankrupt when a danger will be a very powerful negotiating resource, confronting creditors with a choice between finding a little each month or possibly acquiring nothing through becoming a bankrupt. Don'testosterone try this unique tactic on secured creditors. That they may decide to repossess your property to stay away from having to go through court.  
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== Trivia ==
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* Jonathan has said that when he was writing this song, he hadn't initially settled on it being about a giant squid, but more of just a generic sea monster.<ref>[[A Talk with JoCo, Part 2 (Undocumented Songs)]]</ref>
Contact Client Credit Counseling
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== Availability ==
As mentioned earlier in the book, User Credit rating Counseling is actually a non-profit group funded by creditors to help consumers work repayment plans. It will be often able to work out payment arrangements better than the individual because of their constant contact with a variety of creditors. If you can't make a deal a satisfactory arrangement, provide these people a try. Remember, the actuality you are using credit score counseling may appear on your credit record.
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=== Downloads ===
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"I Crush Everything" is available for purchase in the Jonathan Coulton MP3 Store as an [[joco:songdetails/I+Crush+Everything|individual track]] or as part of ''[[joco:albums/where-tradition-meets-tomorrow/|Where Tradition Meets Tomorrow]]''. Of course, this song is also included as part of the "Everything" playlist.
Consider Chapter 13 a bankruptcy proceeding
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Downloadable FLAC versions of the above are available in the [[joco:store/flac/|Jonathan Coulton FLAC Store]]
This kind of filing enables you to repay your bad debts in a court-mandated fashion and will appear on your credit record for only seven a long time, If negotiations fail or there simply isn'n adequate money to make ends meet Chapter 7 a bankruptcy proceeding may always be your only option. Individual bankruptcy is not going to necessarily discharge all bad debts. If your bad debts are exempt from individual bankruptcy, filing will perform little or no to improve your situation. If the co-signer were used, the debt would then be owed from the co-signer, unless that man even stated becoming a bankrupt. In community property states a girlfriend's assets and debts would also always be included in the personal, supposing they're community property. Consider a lot of very carefully before deciding to file.
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=== CD ===
Non-Dischargable Financial obligations - Bills You Have To Pay In Spite Of Bankruptcy
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As of February 2008, the CD version of ''Where Tradition Meets Tomorrow'' is out of print and is no longer available.
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Certain sorts of debt cannot be automatically gotten rid of by personal filing. They must meet specific requirements before being taken out by personal bankruptcy. If the majority of your debts are non-dischargeable, a bankruptcy proceeding may not solve your economic dilemma. The only ways a non-dischargeable debt can be removed through personal are through the exception being given through the court, a particular period of time transpiring since the debt has been due, or because the creditor won't object to the discharging of the debt. Selected bad debts can only be discharged by an exception. They're:
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=== Other versions ===
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The demo version of "I Crush Everything" is also available on the MP3 Store as an [[joco:songdetails/I+Crush+Everything+(Demo)|individual track]] or as part of ''[[joco:albums/other-experiments/|Other Experiments]]''. This song is also included as part of the "Everything" playlist.
Recent Student loans
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A karaoke version of "I Crush Everything" (studio recording version) is available on the [[joco:store/karaoke/|Jonathan Coulton Karaoke Store]].
It pertains to university student loans that became due within the last five quite a few years. Any extension of repayment would always be added to this period. Some courts, furthermore, will still only discharge payments that tend to be than five many years past due. Therefore if the university student loan was actually due seven many years ago and the payments were at first to become made over a five-year period, you would still always be liable for the last three years of payments. The court may also grant a great exception with a student loan if it would produce a very "undue hardship" for one to pay it. This really is almost never gave.
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== Themes ==
Taxes
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*[[Marine life]]
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Federal, express, and the nearest taxes are not dischargeable for at least three many years after you file your duty go back. Even if you've been tied upward in tax court for more than three decades, any tax assessed within 240 times of filing for personal bankruptcy is actually non-dischargeable. Property taxes are dischargeable should they are over a single year late, but the lien in opposition to your property is not. The underside fine is truly which you can count on the federal government gathering their taxes money eventually.
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== References ==
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Child Help and alimony
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These can only be discharged in special circumstances, which generally include agreements that have not been court-ordered. If a single partner offers opted for assume a lot more than 50 % of marital financial obligations in exchange for lower support payments, the court may not discharge just about all debts held of the soon-to-be ex for individual bankruptcy. Seek advice from a great lawyer if it situation relates.  
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Fines
 
 
Neither fines through a court, judge, or authorities agency nor surcharges, fees and penalties, and restitution, since a overall rule, could be discharged in a personal. The same will be true of debts incurred like a result of damage or liability from driving while intoxicated. The debt incurred through intoxicated driving has to be established in court and also a judgment should be issued by a higher court. Modest-boasts, visitors, and municipal judgments for intoxicated driving are most dischargeable. Again, look for advice a very law firm.
 
 
Debts not discharged in a previous individual bankruptcy
 
 
If debts coming from a previous personal bankruptcy have been found non-dischargeable, these people may not be discharged in a later bankruptcy.
 
 
Debts not listed on your a bankruptcy proceeding petition
 
 
If you may not include a debt on your petition, it will never always be discharged. Many people filing bankruptcy retain one particular or much more credit score lines with tiny balances or no balance out of the a bankruptcy proceeding proceeding to preserve portion of their credit score resources. Another technique would be to reaffirm financial obligations on the condition that credit remains to be offered. The creditor, confronted with a choice between amassing nothing and maintaining your credit, will sometimes pick the latter. Always be very cautious when reaffirming debt. You're not obligated to and you should have a fresh written agreement spelling out most of the newest conditions.
 
 
Other varieties of non-dischargeable financial obligations could be discharged immediately if the creditor is not going to object If the creditor objects, these bad debts is going to be judged with the court to be either dischargeable or non-dischargeable. The creditor can request that the financial obligations not be discharged should they claim the following conditions existed:
 
 
The debt has been acquired by Intentionally fraudulent behavior
 
 
Fraud in this case is truly any dishonest behave used to obtain credit. Claiming to always be an individual near someone, or borrowing money when you have no means or intention of repaying it, would become clear-cut samples of fraud. Not disclosing particular relevant facts could additionally always be construed while fraud. If you create a promise and intend to remain it and believe you will be able to remain it, that will be not fraud. Creditors tend to end up being paranoid and believe everyone will be defrauding them, so this excuse for non-discharge will be often utilized by creditor's attorneys.
 
 
Bad debts Incurred since a Result of False Written Statements
 
 
A blatantly false credit rating app would qualify. The inaccurate statement must be a good important fact the other that the creditor relied on in order for the debt to be judged non-dischargeable. A misspelled name or minor error would not render a debt non-dischargeable. Drastically overstating income or misrepresent a job title would always be considered fraudulent.
 
 
Fraudulent usage
 
 
If you charge "benefit goods or services" in a helpful amount over $5 hundred within 40 days and nights before filing a bankruptcy proceeding, the debt is likely to be deemed non-dischargeable. The same is truly accurate if money advances are obtained fewer than twenty days and nights before filing a bankruptcy proceeding. A several simple charges, made to stay away from pre-clearance, would even become considered fraudulent if yourrrve been over your credit rating limit or obviously unable to pay.
 
 
Financial obligations resulting from illegitimate or malicious acts, embezzlement, larceny, or breach of fiduciary Responsibility
 
 
Any money owed because of outlawed functions such as embezzlement (getting property left within your safekeeping), larceny (theft), or the failure to fulfill your duties as a trustee could be non-dischargeable. The court will normally de a outline of fiduciary obligation.
 
 
Once you've examined your bad debts and determined what is actually dischargeable and what is actually not, you can determine if becoming a bankrupt would enhance your current economic situation. There are numerous other things you ought to know before you decide if to file.
 
 
Exempt Assets
 
 
A frequent misconception about personal bankruptcy is actually that you just lose everything you personal to satisfy your debts. In fact, the court allows one to preserve many things essential to your well being, and perhaps even a little bit more. Despite the fact that there will be a federal exemption law, only in states and the District of Columbia allow one particular utilize it These states let you decide on between the express and federal exemption legal guidelines. The in states are:  
 
 
Connecticut
 
 
Hawaii
 
 
Massachusetts
 
 
Michigan
 
 
Minnesota
 
 
New Jersey
 
 
New Mexico
 
 
Pennsylvania
 
 
Rhode Island
 
 
Texas
 
 
Washington
 
 
Wisconsin
 
 
Vermont
 
 
The other states require a particular person declaring personal to use express exemptions.
 
 
Listed below are examples of things that may always be exempt, based on state in which the petition is actually filed.
 
 
· Personal impact
 
 
· Furniture
 
 
· Cars (equal to a specific amount of equity)
 
 
· Tools of the trade
 
 
· Equity m a residence (at times the whole residence)
 
 
· Clothing
 
 
· Household goods
 
 
· Guides
 
 
· Jewelry
 
 
One very interesting exemption will be the homestead exemption. When John Connally, the former governor of Texas, stated becoming a bankrupt a few years ago, many people were surprised that he had been permitted to maintain his huge mansion, valued at several million dollars. Texas seems to have a homestead exemption that allows everyone petitioning becoming a bankrupt to remain equal to one particular acre in a helpful urban area or 100 acres in a rural area, even though value. The ex-governor may have had a very good law firm, but many other states in addition offer homestead exemptions.
 
 
One particular becoming a bankrupt method should be to sell non-exempt property before becoming a bankrupt and convert it into exempt property. For case in point, a Texas resident might sell non-exempt assets and use the proceeds to pay off the house mortgage on her homesteaded property. You would almost certainly want to talk to the attorney before attempting this kind of transfer of assets, anyhow, when the court could very very easily view this sort of action as an abuse from the individual bankruptcy laws and regulations.
 
 
Even in case a certain amount of equity will be exempt, your creditors can often sell the investment to repair any excess equity you may have. If you personal a vehicle worth $12,000, for case in point, and you also only owe $5,000 on it and your express exemption is $1,200, the creditor can sell the car and give you $1,200. Some states allow 'Wildcard" exemptions that might be used to cover the difference.
 
 
Knowing which financial obligations are dischargeable and what the law allows a petitioner to carry on, a rational selection might be made no matter whether to report for becoming a bankrupt. If you perform choose to report, there are several ways of going about it-as well as several pitfalls to prevent.
 
 
Getting Actions
 
 
When you've decided to take measure you can begin the filing experience. If creditors are knocking on the front door and repossession, foreclosure, or garnishment is truly just surrounding the comer, it may well end up being wise to consider using a helpful unexpected emergency filing to obtain a great automatic stay. A great automatic stay halts creditors coming from consuming any further measure right up until the case passes before a personal bankruptcy judge. Unlike a personal bankruptcy filing, which always is made up of several pages of details a helpful emergency filing is actually only a single page long and is made up of a variety of your creditors. The remainder of the petition has to be filed within fourteen days and nights or the case will be dropped. The court will send notices with the pending bankruptcy to the creditors detailed, who must cease a lot of further collection actions. Should they perform not cease, send them copies from the automatic stay and request that all further selection actions cease. A creditor can check that the automatic stay become lifted, allowing him or her to continue assortment motion. Only a landlord wanting to evict you from a rented dwelling will typically prevail, unless there is a lengthy-term lease involved. If you are renting on a long-term lease, which could end up being considered the asset, the landlord may have to wait for a official @g as a way to evict YOU.
 
 
Once the wolves are at bay, another choice will should be made: no matter whether to employ a individual bankruptcy attorney. Attorneys, like many of us know, are expensive. In the case of a complicated personal, unfortunately, they can be invaluable. If you have quite a bit of property or valuables, if you are striving to move money through non-exempt to exempt assets, if your creditors try to make your debts non-dischargeable because of fraud, or if there are any other complications, you may wish to retain the services of a very experienced a bankruptcy proceeding law firm. Store all-around. Don'capital t become frightened to discuss. Make sure you ask a wide range of queries and speak to several attorneys before you create your own preference.
 
 
If you have a very simple a bankruptcy proceeding or can't pay for a good law firm, invest $15 in a good perform-it-yourself bankruptcy book. It will provide in-depth info not covered in it chapter. Typing services am often available to type upward bankruptcy forms. They're economical and, in the case of your very simple personal, can take the place of a good legal professional. If your case is truly complicated so you can'n manage a helpful lawyer, carry out your possess research. Read a consumer personal manual first and after that talk to a good legal library. There are numerous legal guides devoted strictly to a bankruptcy proceeding. Once you or your legal professional have geared up your case, you're ready for official perform.
 
 
The Filing Experience
 
 
Every single one the proper papers could be obtained coming from your local individual bankruptcy court. Look for advice the yellow pages under Federal government Services (normally in the beginning with the book) on an address and home phone number. The court permits you fourteen times through the night out of the emergency filing to complete the official procedure. If Chapter 7 personal is being filed, you will need to send in the following forms after you have obtained them from the court:
 
 
· Statement of Financial Affairs.
 
 
· Plan of Current Income and Current Expenditures.
 
 
· A routine describing your debts.
 
 
· A book explaining your property.
 
 
· A lifestyle listing exempt property.
 
 
· A overview in the above schedules.
 
 
· Statement of Intention in regard to your secured property and what you intend to carry out with it
 
 
· Statement of Executory Contracts describing contract that will need to be fulfilled, this sort of like auto leases.  
 
 
· Individual bankruptcy Petition include sheet.
 
 
· Mailing addresses of every single one creditors.
 
 
· Any required neighborhood forms.
 
 
A fee will even end up being assessed, typically $90, due during the time of filing. The court will generally accept installments of a 5-month period. An program for installments must accompany the petition.
 
 
After your petition is actually filed, a assembly in the creditors will be prearranged. The court appoints a trustee to preside over the achieving and to always be to blame for the liquidation of assets. With most smaller bankruptcies, only the particular person filing and the trustee will participate in. The trustee, who is usually a near by legal professional, will make sure you ask several concerns about the info on the individual bankruptcy documents. Call and request the court clerk what papers you will need to bring (typically economic statements or occasionally even tax dividends). If the lots of property will be involved, incredibly if it is actually nonexempt, property, your creditors may occur to protest any exemptions. That they may even attempt to grill you about your intent to pay the fee or about laying on your program. Answer actually and there shouldn'big t be described as a problem.
 
 
If the creditors' attorneys end up being abusive, demand a hearing before the personal bankruptcy judge before the proceeding goes any further. If the creditors object to any of your exemptions, they have 30 days after the creditor's gathering to file the objection with the court. The court will book a hearing and you will probably end up being given the an opportunity to respond, although you don'n have to. A creditor may additionally try to claim a debt like non-dischargeable because of fraudulent functions, a @ or malicious work, or embezzlement or theft. He can only accomplish this kind of if he successfully boosts the objection within sixty days and nights of the creditors' gathering. To defend yourself, you or your lawyer will have to report a written response and be well prepared to argue your case in court.  
 
 
Once all the requirements have been met and your intentions have been made clear, the court can declare the becoming a bankrupt discharged. No conventional hearing is going to be held unless you have chosen to reaffirm your credit card debt by which case the judge would want to be sure for you to simply know what you are doing. After this particular time, provided the creditors carry out not raise any objections, the dischargeable financial obligations are erased.
 
 
Selecting Up The Pieces
 
 
Personal ended up being once the lowest disgrace that could befall someone. Today, however, it is actually commonplace. Corporations declare becoming a bankrupt to get out of contracts or keep legal judgments. Individuals depend on it to protect them coming from a society that extends credit also quickly.
 
 
Personal does not always mean that you simply will automatically end up being denied most credit rating for 10 many years. In fact, many firms appear at bankruptcy as a in charge way of discharging debts when there is actually no other way out. Creditors fear becoming a bankrupt, but they additionally understand that should they lend to someone who has stated personal bankruptcy, they need not worry about another a bankruptcy proceeding for seven more a long time (you can only record once each and every seven decades). If you happen to have a good explanation for the individual bankruptcy, such as medical bills, divorce proceedings, or some other catastrophic event, a creditor may become willing to overlook it and extend credit. Check potential creditors about their policy toward bankruptcies. Their responses may become astonishing.
 
 
Darryl Power over 3 many years in online marketing, 1 year in Pay-Per-Click advertising and 7 quite a few years of business operations.
 

Revision as of 13:32, 27 June 2012


Error creating thumbnail: File missing
I Crush Everything
ReleaseWhere Tradition Meets Tomorrow
Length4:43
Release date10-01-2004
Related Pages

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Concerts

Other media
{{#song:I+Crush+Everything }}


Demo version: {{#song:I+Crush+Everything+(Demo) }} "I Crush Everything" is the third track on Jonathan Coulton's second album, Where Tradition Meets Tomorrow.

History

"I Crush Everything" was originally written as part of John Hodgman's Little Gray Books Lecture #25, "The Animals: Are They Our Enemies." This lecture took place on March 3, 2004.

Live performance

"I Crush Everything" is performed somewhat regularly at Jonathan Coulton concerts. Usually prefaced with a short explanation, "This song is about a self-loathing giant squid", the live version is essentially the same as the version on "Where Tradition Meets Tomorrow".

Trivia

  • Jonathan has said that when he was writing this song, he hadn't initially settled on it being about a giant squid, but more of just a generic sea monster.[1]

Availability

Downloads

"I Crush Everything" is available for purchase in the Jonathan Coulton MP3 Store as an individual track or as part of Where Tradition Meets Tomorrow. Of course, this song is also included as part of the "Everything" playlist.

Downloadable FLAC versions of the above are available in the Jonathan Coulton FLAC Store

CD

As of February 2008, the CD version of Where Tradition Meets Tomorrow is out of print and is no longer available.

Other versions

The demo version of "I Crush Everything" is also available on the MP3 Store as an individual track or as part of Other Experiments. This song is also included as part of the "Everything" playlist.

A karaoke version of "I Crush Everything" (studio recording version) is available on the Jonathan Coulton Karaoke Store.

Themes

References

Where Tradition Meets Tomorrow
1. The Future Soon · 2. Skullcrusher Mountain · 3. I Crush Everything · 4. Betty and Me · 5. Mandelbrot Set
JoCo Looks Back
1. Code Monkey · 2. Ikea · 3. I Feel Fantastic · 4. Mandelbrot Set · 5. Tom Cruise Crazy · 6. Shop Vac · 7. Chiron Beta Prime · 8. I'm Your Moon · 9. My Monkey · 10. Skullcrusher Mountain · 11. I Crush Everything · 12. When You Go · 13. A Talk with George · 14. You Ruined Everything · 15. Creepy Doll · 16. Mr. Fancy Pants · 17. Baby Got Back · 18. First of May · 19. Re: Your Brains · 20. The Future Soon
Best. Concert. Ever.
1. The Future Soon · 2. Ikea · 3. Shop Vac · 4. I'm Your Moon · 5. Baby Got Back · 6. Kenesaw Mountain Landis · 7. Chiron Beta Prime · 8. Tom Cruise Crazy · 9. Code Monkey · 10. Creepy Doll · 11. Still Alive · 12. Mr. Fancy Pants · 13. I Crush Everything · 14. Skullcrusher Mountain · 15. Mandelbrot Set · 16. You Ruined Everything · 17. Re: Your Brains · 18. A Talk with George · 19. I Feel Fantastic · 20. First of May