Anonymous Insurance Quotes

There was a very cautious man Who never laughed or played He never risked, he never tried, He never sang or prayed. And when he on day passed away, His insurance was denied, For since he never really lived, They claimed he never really died. (Anonymous poem)

By investing in anonymous cryptocurrencies, you are buying 'insurance' against a recession, as the value of the cryptocurrency could increase significantly if the economy falters and the black market grows.

Mrs de Winter’s obsession with her insures that Rebecca will triumph over anonymity and effacement. Even a bullet through the heart, and burial at sea cannot quench her vampiric power. Again, one is reminded of Plath’s embodiment of amoral, anarchic female force – I rise with my red hair/And I eat men like air.

PRACTICAL EXPERIENCE shows that nothing will so much insure immunity from drinking as intensive work with other alcoholics. It works when other activities fail. This is our twelfth suggestion: Carry this message to other alcoholics! You can help when no one else can. You can secure their confidence when others fail. Remember they are very ill. Life will take on new meaning. To watch people recover, to see them help others, to watch loneliness vanish, to see a fellowship grow up about you, to have a host of friends—this is an experience you must not miss. We know you will not want to miss it. Frequent contact with newcomers and with each other is the bright spot of our lives.

But feeling ashamed and not telling anyone about it has NEVER HELPED. My hope is that by telling people about all this stuff, maybe others will relate. And then I won’t feel alone? And yes, of course, I’ll call my psychiatric nurse, Matt. Though he just changed insurances and I need to find somebody else. And Scott will call his therapist and his psychiatrist. And yes, we will call Deda and Jim from our Recovering Couples Anonymous meeting we’ve been attending and they will laugh. Deda will say, “Are you trying to scare each other?” Yes, yes we are! We thought it might help! And yes, twelve-steppers, we are “WORKING THE STEPS of the program,” you sanctimonious church basement carps! We are on step four, if you must know. I’d like to blame the above morning episode on myself or my poor diet or the city of Los Angeles or something about how and who I am that might be solved, but let’s just call it a Thursday.

The bill, AB2293, addresses the insurance coverage during the period when drivers log in to a smartphone app but have not yet been matched with riders. In a well-publicized incident, an UberX driver struck and killed a young girl in San Francisco on New Year's Eve, reportedly while waiting for a ride request. Bill author Assemblywoman Susan Bonilla, D-Concord, initially wanted the companies to provide $1 million of commercial coverage during this period. In its final form, the bill requires them to provide $200,000 of coverage, on top of insurance either from the companies or drivers providing $50,000 per person, $100,000 per accident, and $30,000 for property damage. An earlier version required $300,000 per accident.

Some of the world’s biggest banks and investor groups have swung behind a pledge to raise $200bn by the end of next year to combat climate change. In a move the UN said was unprecedented, leading insurers, pension funds and banks have joined forces to help channel the money to projects that will help poorer countries deal with the effect of global warming and cut reliance on fossil fuels. The announcement came at the start of a UN climate summit in New York aimed at bolstering momentum for a global agreement to lower planet-warming greenhouse gas emissions due to be signed in Paris at the end of 2015. “Change is in the air,” said UN secretary-general, Ban Ki-moon. “Today’s climate summit has shown an entirely new, co-operative global approach to climate change.” The summit opened with business and government pledges to make cities greener, create a renewable energy “corridor” in Africa and rein in the clearing of forests for palm oil plantations. The private sector’s contributions marked a “major departure” from past climate summits, the UN said, adding in a statement that financial groups “had never previously acted together on climate change at such a large scale”. One obstacle to the Paris agreement is developing countries’ insistence that richer nations must fulfil pledges made nearly five years ago to raise $100bn a year by 2020 for climate action.

present, there exists no overarching regulatory framework governing OTC derivatives markets in any major jurisdiction. Provided that certain qualifications are met, 29 OTC derivatives transactions generally reside outside the scope of securities, insurance and other regulatory regimes in the jurisdictions in which they notionally take place.Accordingly, while certain market participants (most notably banks and publicly traded firms) may be subject to, for example, prudential banking requirements30 . and mark-to-market accounting rules31 . which tangentially impact upon their ability to utilise these instruments, OTC derivatives themselves have historically

Question 1: “What are you thinking about?” The proper answer to this is, “I’m sorry if I have been a bit distant, darling. I was just reflecting on what a warm, wonderful, thoughtful, caring, intelligent woman you are and how lucky I am to have you in my life.” This response obviously bears no resemblance to the truth, which most likely is one of the following: • a. “Nothing.” • b. “Football.” • c. “Angelina Jolie naked.” • d. “How fat you are.” • e. “How I would spend the insurance money if you died

Question 3: “Do I look fat?” The correct answer is an emphatic “Absolutely not! You look perfect!” Among the incorrect answers are: • a. “Compared to what?” • b. “I wouldn’t call you fat, but you’re not exactly thin.” • c. “A little extra weight looks good on you.” • d. “I’ve seen fatter.” • e. “No. I inadvertently put a twenty-pound weight on the scale when you were on it.” • f. “Could you repeat the question? I was just thinking about how I would spend the insurance money if you died.

Wendy sat in my o ice, perched on the edge of her chair, alert, inquisitive, and a little bit embarrassed. An experienced and highly successful real estate agent, she had come to me for a financial consultation—and the facts of her situation were hardly reassuring. Although she earned well over $250,000 a year and was able to put two kids through private school at an annual cost of $15,000 each, her personal finances were a mess. A self-employed single parent, she had less than $25,000 saved for retirement, no life or disability insurance, and never bothered to write a will. In short, this intelligent, ambitious businesswoman was completely unprotected from the unexpected and utterly unprepared for the future. When I asked Wendy why she had never done any financial planning, she shrugged and o ered a response I'd heard countless times before: “I've always been too busy working to focus on what to do with the money I make.

There were other important reasons for the growth of American individualism at the expense of community in the second half of the twentieth century besides the nature of capitalism. The first arose as an unintended consequence of a number of liberal reforms of the 1960s and 1970s. Slum clearance uprooted and destroyed many of the social networks that existed in poor neighborhoods, replacing them with an anonymous and increasingly dangerous existence in high-rise public housing units. “Good government” drives eliminated the political machines that at one time governed most large American cities. The old, ethnically based machines were often highly corrupt, but they served as a source of local empowerment and community for their clients. In subsequent years, the most important political action would take place not in the local community but at higher and higher levels of state and federal government. A second factor had to do with the expansion of the welfare state from the New Deal on, which tended to make federal, state, and local governments responsible for many social welfare functions that had previously been under the purview of civil society. The original argument for the expansion of state responsibilities to include social security, welfare, unemployment insurance, training, and the like was that the organic communities of preindustrial society that had previously provided these services were no longer capable of doing so as a result of industrialization, urbanization, decline of extended families, and related phenomena. But it proved to be the case that the growth of the welfare state accelerated the decline of those very communal institutions that it was designed to supplement. Welfare dependency in the United States is only the most prominent example: Aid to Familles with Dependent Children, the depression-era legislation that was designed to help widows and single mothers over the transition as they reestablished their lives and families, became the mechanism that permitted entire inner-city populations to raise children without the benefit of fathers. The rise of the welfare state cannot be more than a partial explanation for the decline of community, however. Many European societies have much more extensive welfare states than the United States; while nuclear families have broken down there as well, there is a much lower level of extreme social pathology. A more serious threat to community has come, it would seem, from the vast expansion in the number and scope of rights to which Americans believe they are entitled, and the “rights culture” this produces. Rights-based individualism is deeply embedded in American political theory and constitutional law. One might argue, in fact, that the fundamental tendency of American institutions is to promote an ever-increasing degree of individualism. We have seen repeatedly that communities tend to be intolerant of outsiders in proportion to their internal cohesiveness, because the very strength of the principles that bind members together exclude those that do not share them. Many of the strong communal structures in the United States at midcentury discriminated in a variety of ways: country clubs that served as networking sites for business executives did not allow Jews, blacks, or women to join; church-run schools that taught strong moral values did not permit children of other denominations to enroll; charitable organizations provided services for only certain groups of people and tried to impose intrusive rules of behavior on their clients. The exclusiveness of these communities conflicted with the principle of equal rights, and the state increasingly took the side of those excluded against these communal organizations.

A higher minimum wage can make employers less inclined to offer non-wage benefits such as generous leave policies or insurance, as well as on-the-job perks such as free meals and parking. Non-cash perks such as parking and food are not taxed. But when these non-wage benefits are converted to wages, they become subject to income and sales taxes. So not only do workers have to pay for perks that used to be free, they get taxed for them, too.

When Boston imported its first streetlights in 1774, Paul Revere was asked to serve on the committee that made the arrangement. When the Boston market required regulation, Paul Revere was appointed its clerk. After the Revolution, in a time of epidemics, he was chosen health officer of Boston, and coroner of Suffolk County. When a major fire ravaged the old wooden town, he helped to found the Massachusetts Mutual Fire Insurance Company, and his name was first to appear on its charter of incorporation. As poverty became a growing problem in the new republic, he called the meeting that organized the Massachusetts Charitable Mechanic Association, and was elected its first president. When the community of Boston was shattered by the most sensational murder trial of his generation, Paul Revere was chosen foreman of the jury.

Nearly half a million people chose health plans through HealthCare.gov during the first week of the new open-enrollment period in the online insurance marketplace, federal health officials announced Wednesday.

Paul's off-the-cuff quip about disability insurance is really more than half wrong John Locher/Associated Press Sen. Rand Paul (R-Ky.) implied that many disability recipients could work but aren't. Statistics suggest that isn't likely. Glenn Kessler | 1041 words "What I tell people is, if you look like me and you hop out of your truck, you shouldn't be getting a disability check. Over half of the people on disability are either anxious or their back hurts - join the club. Who doesn't get a little anxious for work and their back hurts? Everybody over 40 has a back pain." - Sen. Rand Paul (R-Ky.), remarks in New Hampshire, Jan. 14, 2015

The ACA has a three-part structure. First, it bans insurers from denying coverage based on preexisting conditions. Standing alone, that provision would cause many consumers to postpone seeking insurance until they get sick, a tendency that would cause carriers to hike prices, deterring more people from buying policies. To prevent this fatal dysfunction and assure that healthy people jump into the insurance pool, the individual mandate upheld in 2012 requires that everyone obtain coverage. The third component— the one now under fire—is the provision of tax subsidies to allow less-well-off consumers to participate.

In the enthusiasm for Mexico's auto boom - 3.2 million cars were produced here last year in 18 factories - the question of labor conditions often is overlooked. Industry analysts and experts say most of these jobs provide above-average employment for Mexicans, offering insurance, overtime and other benefits in state-of-the-art factories.

But you do what you have to do to give people closure; it makes them feel better and it doesn’t cost you much to do it. I’d rather apologize for something I didn’t really care about, and leave someone on Earth wishing me well, than to be stubborn and have that someone hoping that some alien would slurp out my brains. Call it karmic insurance.

What is the House of Clinton? It is a large family syndicate predicated on the three facts. One, Bill is a amoral, well-connected ex-president and good old boy schmoozer who enjoys a lifestyle that only ethical misconduct can ensure. Two, a less charismatic Hillary plays good cop to his bad, and for thirty years has been seen by donors as the likely first female president. Three, as flexible liberals, they have no ideological reluctance to snag Wall Street and corporate pay-for-play cash — and they let that be known to the one-percent who in turn feel that the Clintons’ populist verbiage is simply good insurance. The result is that although Bill, Hillary, and Chelsea are not business people, they became multimillionaires precisely because they can offer access and at least the scent of favorable government treatment to billionaires.

John F. Kennedy’s “Ask not what your country can do for you, but what you can do for your country” has maligned into “What can my country do for me?” While I can’t comment on the societal deterioration outside of the United States, within the last 20 years Sidewalking has become a way of life in America. Americans once loyally proclaimed, “Give me liberty or give me death.” Now we just say, “Give me.” As I write, the economy is in a tailspin. The housing market crashed, lending dried up, and millions have lost their savings. How did we get here? It isn’t complicated: We relied on “others” to make financial decisions for us. We ignored the fine print. We didn’t read the contract. We didn’t read the legislation. We made government an insurance policy. As a society, history is doomed to repeat if we continue to repeat the same behavior.

The logistics of getting them around were just completely insurmountable,” said Hanson-Press. “I was really stressed every single day about getting them around.” Cue HopSkipDrive, a Los Angeles start-up that has been described as ride-hailing for children. Founded by three Angelenos who are also moms, the service chauffeurs only children ages 7 to 17. In many ways, it's similar to transport network companies such as Uber, Lyft and SideCar (Uber requires customers to be over 18). Drivers are contractors who use their own vehicles to transport passengers. All drivers undergo third-party background checks and vehicle inspections. Parents can book rides for their kids through a mobile app and pay through a cashless transaction. But there are also significant differences. Unlike Uber, whose drivers simply need to have experience behind the wheel, HopSkipDrive drivers are required to have at least five years of experience caring for children (this can mean people who are themselves parents, nannies, teachers, camp counselors, etc.). And like Shuddle, a similar service that operates in the San Francisco Bay Area, all drivers are vetted in person. HopSkipDrive checks drivers' references and will even go for a ride with each driver it signs up. All rides are covered by insurance specific to transporting minors.

trying to convince the largest insurer of art in the country to give them some of its “totaled” art. When a valuable painting is damaged in transit or a fire or flood, vandalized, etc., and an appraiser agrees with the owner of a work that the work cannot be satisfactorily restored, or that the cost of restoration would exceed the value of the claim, then the insurance company pays out the total value of the damaged work, which is then legally declared to have “zero value.” When Alena asked me what I thought happened to the totaled art, I told her I assumed that the damaged work was destroyed, but, as it turned out, the insurer had a giant warehouse on Long Island full of these indeterminate objects: works by artists, many of them famous, that, after suffering one kind of damage or another, were formally demoted from art to mere objecthood and banned from circulation, removed from the market, relegated to this strange limbo.

Louisiana’s fiscal troubles can be traced to the economic boom that followed Hurricane Katrina in 2005, when rebuilding efforts, insurance payouts and federal money pushed cash into the state budget. Many lawmakers expected the heady times and increased revenue to last, and they made the bold decision to cut income taxes by roughly $700 million annually for the highest brackets — a decision some are now second-guessing.

If you hit a hole in one when playing golf in Japan, you should know that it is customary to throw a lavish celebration for your friends. Don’t worry if the cost of this is worrying you though, as you could join the four million Japanese citizens who have taken out ‘hole-in-one insurance’, covering them for half a million Yen.

Virtually all large companies offer some sort of wellness benefit as part of their health insurance program. But fewer than 4 in 10 use financial incentives to get employees to participate or meet specific health goals.

At root, the unstoppable rise of C.E.O. pay involves an ideological shift. Just about everyone involved now assumes that talent is rarer than ever, and that only outsize rewards can lure suitable candidates and insure stellar performance. Yet the evidence for these propositions is sketchy at best, as Michael Dorff, a professor of corporate law at Southwestern Law School, shows in his new book, “Indispensable and Other Myths.

Uber insisted its app-based taxi service would continue in Germany, despite a court in Frankfurt imposing the first countrywide ban on the firm for contravening transport laws. Although it operates in 170 cities around the world, Uber has been targeted by regulators in Europe and America over passenger safety and insurance issues in cases that are often lodged by more conventional taxi operators.

A San Francisco couple who said their family was destroyed when an Uber driver struck and killed their daughter urged lawmakers Wednesday to increase auto insurance requirements for ride-sharing companies. Ang Jiang Liu and Huan Hua Kuang of San Francisco spoke at a legislative hearing for AB2293 by Assemblywoman Susan Bonilla, D-Concord, which would require ride-sharing companies to cover drivers with commercial insurance policies from the time they turn on the app to the time it's turned off.

To understand what that means in commonsense terms, consider a person who plans to live off the income from $1 million invested in T-bills. Suppose he retires in a given year and converts his investments into an inflation-protected annuity with a return of 4% to 5%. He will receive an annual income of $40,000 to $50,000. But now suppose he retires a few years later, when the return on the annuity has dropped to 0.5%. His annual income will now be only $5,000. Yes, the $1 million principal amount was fully insured and protected, but you can see that he cannot possibly live on the amount he will now receive. T-bills preserve principal at all times, but the income received on them can vary enormously as return on the annuity goes up or down. Had the retiree bought instead a long-maturity U.S. Treasury bond with his $1 million, his spendable income would be secure for the life of the bond, even though the price of that bond would fluctuate substantially from day to day. The same holds true for annuities: Although their market value varies from day to day, the income from an annuity is secure throughout the retiree’s life.

The omnibus programs passed under the Social Security Act in 1935 were crafted in such a way as to protect the southern way of life. Old-age insurance (Social Security proper) and unemployment insurance excluded farmworkers and domestics—jobs heavily occupied by blacks. When President Roosevelt signed Social Security into law in 1935, 65 percent of African Americans nationally and between 70 and 80 percent in the South were ineligible.

Out of one pocket, we pay billions of our tax dollars to support the production of expensive, disease-causing foods. Out of the other pocket, we pay medical bills that are too high because our overweight population consumes too much of these rich, disease-causing foods. Our tax dollars are actually used to make our society sicker and keep our health insurance costs high.

The FHA had adopted a system of maps that rated neighborhoods according to their perceived stability. On the maps, green areas, rated “A,” indicated “in demand” neighborhoods that, as one appraiser put it, lacked “a single foreigner or Negro.” These neighborhoods were considered excellent prospects for insurance. Neighborhoods where black people lived were rated “D” and were usually considered ineligible for FHA backing. They were colored in red. Neither the percentage of black people living there nor their social class mattered. Black people were viewed as a contagion. Redlining went beyond FHA-backed loans and spread to the entire mortgage industry, which was already rife with racism, excluding black people from most legitimate means of obtaining a mortgage.

A company that insures cellphones and other tech devices is expected to announce plans to open a service call center in Las Vegas that would provide up to 800 jobs within five years.

Specialized policies to protect against online attacks are offered by about 50 carriers, including big names like the American International Group, Chubb and Ace. As data breaches have become a reality of the business world, more companies are buying policies; demand increased 21 percent last year from 2012, according to Marsh, a risk management company and insurance broker. Yet companies say it is difficult to get as much coverage as they need, leaving them vulnerable to uncertain losses.

In the past seven years, I’ve gone from being a nobody with no job and no insurance to someone who is seen as a leader and a role model.

In 2013, Texas passed Florida when it improved its spending on human services, moving up to 49th and leaving Florida — you guessed it — dead last in the nation. Notable also is Florida's failure to provide health insurance to large numbers of children and families eligible for federally funded Medicaid/CHIP programs.

This was his first trip on the Ossifar Distana, his first real splash in life. Look what it got him. Mister Smiff liked anonymity. He kept a low profile, often traveling under assumed names, claiming to be anything from a banker to a (very) successful life insurance salesman. He’d never broken the law, at least not irreparably. He was quite generous, well liked, sponsoring many charities anonymously – which is why it was so surprising to find him floating face down in the private spa in his apartment, murdered. He had been murdered, unless it was a freak shaving accident. Those old razors weren’t called cut-throats for nothing. Yikes.

Some courts allow “orientation” and “set-up” fees of $25 or more. There are picture fees ranging from $2 to $15, while “insurance” fees associated with a week of community service work often add another $15 to the tab. Drug screening fees are part of the fee schedule too, with some judges allowing $15 charges and others authorizing $25.

And we did. A study of middle-class families in Los Angeles found that just one in four families could fit a car in its garage. (It also found that mothers’ stress levels rose as they described their household mess.) Americans who struggled to afford health insurance and college could nevertheless buy lots of stuff, sometimes on credit.

Also, being responsible for maintenance of tanks or insuring the tank did not put assessee in control of the goods.[Inox Air Products v. Commissioner – 2014-TIOL- 2556-CESTAT-MUM ]

Americans are devoting more of their income to housing, health care and personal insurance and pensions since 1984. After adjusting for inflation, their average annual expenses have risen 6 percent to $51,105 during that period. Their earnings have largely been flat for three decades — increasing only when factoring in government “transfers” such as tax cuts and Social Security checks.

Revival: A Novel (Stephen King) - Your Highlight on page 75 | location 1013-1015 | Added on Sunday, 7 December 2014 23:00:46 Religion is the theological equivalent of a quick-buck insurance scam, where you pay in your premium year after year, and then, when you need the benefits you paid for so—pardon the pun—so religiously, you discover the company that took your money does not, in fact, exist.

But the world is changing at warp speed, and cities have to evolve to stay ahead of the curve. Which brings us to the third generation of cities, Cities 3.0, where the city is a hub of innovation, entrepreneurship and technology. Cities 3.0 is paperless, wireless and cashless. In Cities 3.0, we have more cell phones than telephone landlines, more tablets than desktop computers, more smart devices than toothbrushes. We know that in order to keep up in the modern era, we have to be innovative. If cities are going to drive the nation's economic revitalization, then we need to become laboratories and incubators of change. Yet the pending state legislation, which seeks to require the same insurance for ride-sharing companies as for old-style taxi companies, would discourage innovation and force out-of-date thinking on Next Economy companies such as Uber and Lyft.

To recap, here’s what we all can do to stop the mass shooting epidemic: As Individuals: Trauma: Build relationships and mentor young people Crisis: Develop strong skills in crisis intervention and suicide prevention Social proof: Monitor our own media consumption Opportunity: Safe storage of firearms; if you see or hear something, say something. As Institutions: Trauma: Create warm environments; trauma-informed practices; universal trauma screening Crisis: Build care teams and referral processes; train staff Social proof: Teach media literacy; limit active shooter drills for children Opportunity: Situational crime prevention; anonymous reporting systems As a Society: Trauma: Teach social emotional learning in schools. Build a strong social safety net with adequate jobs, childcare, maternity leave, health insurance, and access to higher education Crisis: Reduce stigma and increase knowledge of mental health; open access to high quality mental health treatment; fund counselors in schools Social proof: No Notoriety protocol; hold media and social media companies accountable for their content Opportunity: Universal background checks, red flag laws, permit-to-purchase, magazine limits, wait periods, assault rifle ban

Private equity surrounds you. When you visit a doctor or pay a student loan, buy life insurance or rent an apartment, pump gas or fill a prescription, you may—wittingly or not—be supporting a private equity firm. These firms, with obscure names like Blackstone, Carlyle, and KKR, are actually some of the largest employers in America and hold assets that rival those of small countries. Yet few people understand what these firms are or how they work. This is unfortunate because private equity firms, which buy and sell so many businesses you know, explain innumerable modern economic mysteries. They explain, in part, why your doctor’s bill is so expensive and why your veterinary clinic seems to be in decline. They explain why so many stores are understaffed or closing altogether. They explain why there are ever fewer companies in America and why those that remain are selling ever lower-quality products. In fact, despite their relative anonymity, private equity firms are poised to reshape America in this decade the way in which Big Tech did in the last decade and in which subprime lenders did in the decade before that. And as we will explore, they’re all doing it with the government’s help.

In places where people would help their friends by testifying, they also report a willingness to (1) give their friends insider company information, (2) lie about a friend’s medical exam to lower his insurance rates, and (3) exaggerate the quality of the cuisine at a friend’s restaurant in a published review. In these places, the “right” answer is to help your friend. People aren’t trying to distinguish themselves as relentlessly honest individuals governed by impartial principles. Instead, they are deeply loyal to their friends and want to cement enduring relationships, even if this involves illegal actions. In these places, being nepotistic is often the morally correct thing to do. By contrast, in WEIRD societies, many people think badly of those who weight family and friends over impartial principles and anonymous criteria like qualifications, merit, or effort.

Enter, therefore, a new and ingenious variant of Ultimatum, this one called Dictator. Once again, a small pool of money is divided between two people. But in this case, only one person gets to make a decision. (Thus the name: the “dictator” is the only player who matters.) The original Dictator experiment went like this. Annika was given $20 and told she could split the money with some anonymous Zelda in one of two ways: (1) right down the middle, with each person getting $10; or (2) with Annika keeping $18 and giving Zelda just $2. Dictator was brilliant in its simplicity. As a one-shot game between two anonymous parties, it seemed to strip out all the complicating factors of real-world altruism. Generosity could not be rewarded, nor could selfishness be punished, because the second player (the one who wasn’t the dictator) had no recourse to punish the dictator if the dictator acted selfishly. The anonymity, meanwhile, eliminated whatever personal feeling the donor might have for the recipient. The typical American, for instance, is bound to feel different toward the victims of Hurricane Katrina than the victims of a Chinese earthquake or an African drought. She is also likely to feel different about a hurricane victim and an AIDS victim. So the Dictator game seemed to go straight to the core of our altruistic impulse. How would you play it? Imagine that you’re the dictator, faced with the choice of giving away half of your $20 or giving just $2. The odds are you would . . . divide the money evenly. That’s what three of every four participants did in the first Dictator experiments. Amazing! Dictator and Ultimatum yielded such compelling results that the games soon caught fire in the academic community. They were conducted hundreds of times in myriad versions and settings, by economists as well as psychologists, sociologists, and anthropologists. In a landmark study published in book form as Foundations of Human Sociality, a group of preeminent scholars traveled the world to test altruism in fifteen small-scale societies, including Tanzanian hunter-gatherers, the Ache Indians of Paraguay, and Mongols and Kazakhs in western Mongolia. As it turns out, it didn’t matter if the experiment was run in western Mongolia or the South Side of Chicago: people gave. By now the game was usually configured so that the dictator could give any amount (from $0 to $20), rather than being limited to the original two options ($2 or $10). Under this construct, people gave on average about $4, or 20 percent of their money. The message couldn’t have been much clearer: human beings indeed seemed to be hardwired for altruism. Not only was this conclusion uplifting—at the very least, it seemed to indicate that Kitty Genovese’s neighbors were nothing but a nasty anomaly—but it rocked the very foundation of traditional economics. “Over the past decade,” Foundations of Human Sociality claimed, “research in experimental economics has emphatically falsified the textbook representation of Homo economicus.

Our world is filled with factories. Factories that make widgets and insurance and Web sites, factories that make movies and take care of sick people and answer the telephone. These factories need workers. If you learn how to be one of these workers, if you pay attention in school, follow instructions, show up on time, and try hard, we will take care of you. You won't have to be brilliant or creative or take big risks. We will pay you a lot of money, give you health insurance, and offer you job security.

Central banks across the globe have been hesitant to recognize bitcoin as a form of money, and Tuesday’s vanishing act isn’t helping. Mt. Gox “reminds us of the downside of decentralized, unregulated currencies,” said Campbell Harvey, a professor at the Duke University Fuqua School of Business who specializes in financial markets and global risk management. “There is no Federal Reserve or IMF to come to the rescue. There is no deposit insurance.” However, Campbell said, Mt. Gox’s disappearance “doesn’t mean the end of the road” for bit-coin and other virtual currencies.

Some of the scientists on Dr. Molina’s committee like to point out that people can be pretty intelligent about managing risk in their personal lives. It is unlikely that your house will burn down, yet you spend hundreds of dollars a year on insurance. When you drive to work in the morning, the odds are low that some careless driver will slam into you, but it is possible, so we have spent tens of billions of dollars putting seatbelts and air bags in our cars. The issue of how much to spend on lowering greenhouse gases is, in essence, a question about how much insurance we want to buy against worst-case outcomes.

You will not apply for membership, but the tribe of the elderly will claim you. Your present will not keep pace with the world’s. This slippage will stretch your skin, sag your skeleton, erode your hair and memory, make your skin turn opaque so your twitching organs and blue-cheese veins will be semivisible. You will venture out only in daylight, avoiding weekends and school holidays. Language, too, will leave you behind, betraying your tribal affiliations whenever you speak. On escalators, on trunk roads, in supermarket aisles, the living will overtake you, incessantly. Elegant women will not see you. Store detectives will not see you. Salespeople will not see you, unless they sell stair lifts or fraudulent insurance policies. Only babies, cats, and drug addicts will acknowledge your existence. So do not fritter away your days. Sooner than you fear, you will stand before a mirror in a care home, look at your body, and think, E.T., locked in a ruddy cupboard for a fortnight.

Insurance companies bank on this. They know, with great accuracy, how many of their customers will die each year. They just don’t know who the unlucky ones will be.

The pressure on life businesses and the capital fears prompted by the 2008 crisis have prompted the industry to build bigger capital cushions and cut costs. This has left insurers in a relatively good position. Investors have enjoyed decent dividends with payouts increasing by a cumulative 70% since 2009, according to FactSet. For shareholders, the risks to returns from life insurance have, so far, been balanced by earnings from nonlife insurance and asset management. Germany’s Allianz has U.S. bond house Pacific Investment Management Co. and nonlife insurance businesses, like property and casualty cover, around the world. Pimco has done well as interest rates declined and bond prices rose, but is expected to suffer once rates rise again—especially since founder Bill Gross walked out. France’s Axa similarly has global nonlife businesses and a large investment manager. However, these businesses ultimately will suffer from low investment returns. In nonlife, insurers can combat this with tougher underwriting standards. But demand for property-type insurance also suffers in a slower economy. Allianz has the lowest financial leverage of the big-three eurozone life insurers, and so has more flexibility to look for higher returns abroad. It also has a substantial general insurance business in the U.S., where rates should head higher sooner, and a higher expected dividend yield than France’s Axa or Italy’s Generali for this year and next.

privatising the weaker ones, this space could become even more interesting. The government’s intention to continue with economic reforms is clear from the fact that it brought two ordinances, to clear bills relating to insurance and coal, after the legislative process was stymied by the opposition. Without going ahead with auctioning of coal blocks, India’s power sector would have been badly hit in 2015, and hence it was necessary to bring in an ordinance. What’s in store for 2015? The US will raise interest rates, which will lead to some outflow from emerging markets. But after that foreign money will return, provided that the government continues with its economic reforms. The Make in India campaign would bring back jobs with Prime Minister Narendra Modi asking all his ministries to make it easier to do business in India. A dip either caused by foreign institutional investment outflow or due to a harsher than expected budget or to a political crisis, should be an opportunity to enter the markets.  (J Mulraj is a stock market commentator and India head for Euromoney Conferences;views are personal) Now,

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