C 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)

I've always been a quitter. I quit the Boy Scouts, the glee club, the marching band. Gave up my paper route, turned my back on the church, stuffed the basketball team. I dropped out of college, sidestepped the army with a 4-F on the grounds of mental instability, went back to school, made a go of it, entered a Ph.D. program in nineteenth-century British literature, sat in the front row, took notes assiduously, bought a pair of horn-rims, and quit on the eve of my comprehensive exams. I got married, separated, divorced. Quit smoking, quit jogging, quit eating red meat. I quit jobs: digging graves, pumping gas, selling insurance, showing pornographic films in an art theater in Boston. When I was nineteen I made frantic love to a pinch-faced, sack-bosomed girl I'd known from high school. She got pregnant. I quit town.

-You find the metal, I’ll make the bell,” said Liam. “Listen, this rampage sounds like it’s going to make a real mess out of the city. I just got my studio rebuilt from the last fire, and I’m fairly certain my insurance doesn’t cover ‘acts of archangels.’ At least, not without a large deductible. Any ideas on how to stop the ritual?"-

When a society is industrialized, a peasant becomes a worker, a feudal lord is liquidated or becomes a businessman. When classes rise or fall a man is employed or unemployed; when the rate of investment goes up or down, a man takes new heart of goes broke. When wars happen, an insurance salesman becomes a rocket launcher; a store clerk, a radar ma; a wife lives alone; a child grows up without a father. Neither the life of an individual nor the history of a society can be understood without understanding other. - pg 3

Mr. Wills, do you have medical insurance?” The question seems odd; however, they asked me the same, so I’m interested in hearing his answer. Well? Jackson doesn’t have a chance to respond before Michael says, “Because if you don’t shut your mouth and let Margret answer my questions, you’ll need it.

Such trends lifted the overall well-being of many Kentuckians and particularly helped people who suffered from what are oddly called preexisting conditions like hepatitis C—oddly, in my opinion, because “preexisting” assumes that a person’s existence begins at the consummation of health insurance coverage.

[Stice's] parents had met and fallen in love in a Country/Western bar in Partridge KS — just outside Liberal KS on the Oklahoma border — met and fallen in star-crossed love in a bar playing this popular Kansas C/W-bar-game where they put their bare forearms together and laid a lit cigarette in the little valley between the two forearms' flesh and kept it there till one of them finally jerked their arm away and reeled away holding their arm. Mr. and Mrs. Stice each discovered somebody else that wouldn't jerk away and reel away, Stice explained. Their forearms were still to this day covered with little white slugs of burn-scar. They'd toppled like pines for each other from the git-go, Stice explained. They'd been divorced and remarried four or five times, depending on how you defined certain jurisprudential precepts. When they were on good domestic terms they stayed in their bedroom for days of squeaking springs with the door locked except for brief sallies out for Beefeater gin and Chinese take-out in little white cardboard pails with wire handles, with the Stice children wandering ghostlike through the clapboard house in sagging diapers or woolen underwear subsisting on potato chips out of econobags bigger than most of them were, the Stice kids. The kids did somewhat physically better during periods of nuptial strife, when a stony-faced Mr. Stice slammed the kitchen door and went off daily to sell crop insurance while Mrs. Stice —whom both Mr. Stice and The Darkness called 'The Bride' —while The Bride spent all day and evening cooking intricate multicourse meals she'd feed bits of to The Brood (Stice refers to both himself and his six siblings as 'The Brood') and then keep warm in quietly rattling-lidded pots and then hurl at the kitchen walls when Mr. Stice came home smelling of gin and of cigarette-brands and toilet-eau not The Bride's own. Ortho Stice loves his folks to distraction, but not blindly, and every holiday home to Partridge KS he memorizes highlights of their connubial battles so he can regale the E.T.A. upperclass-men with them, mostly at meals, after the initial forkwork and gasping have died down and people have returned to sufficient levels of blood-sugar and awareness of their surroundings to be regaled.

After all, it wasn’t science that had transformed the world, but the marriage of technology and capitalism. The ignorant might blame science for the ills and evils of the modern era, but that was a case of mistaken identity—no research scientist had ever polluted a water table with a PCB, or performed a third-trimester abortion, or denied someone insurance based on a genetic screening, or turned the Internet into a covert way of peering into private lives. Real scientists were invisible outside their own circle of peers. Even Nobel Prize recipients barely registered on the public consciousness, as Brohier well knew. A Heisman Trophy or an Oscar counted for far more—there was no market for Heroes of Science trading cards. Status was still measured in arcane units: bylines, citations, appointments, grants.

Security is a big and serious deal, but it’s also largely a solved problem. That’s why the average person is quite willing to do their banking online and why nobody is afraid of entering their credit card number on Amazon. At 37signals, we’ve devised a simple security checklist all employees must follow: 1. All computers must use hard drive encryption, like the built-in FileVault feature in Apple’s OS X operating system. This ensures that a lost laptop is merely an inconvenience and an insurance claim, not a company-wide emergency and a scramble to change passwords and worry about what documents might be leaked. 2. Disable automatic login, require a password when waking from sleep, and set the computer to automatically lock after ten inactive minutes. 3. Turn on encryption for all sites you visit, especially critical services like Gmail. These days all sites use something called HTTPS or SSL. Look for the little lock icon in front of the Internet address. (We forced all 37signals products onto SSL a few years back to help with this.) 4. Make sure all smartphones and tablets use lock codes and can be wiped remotely. On the iPhone, you can do this through the “Find iPhone” application. This rule is easily forgotten as we tend to think of these tools as something for the home, but inevitably you’ll check your work email or log into Basecamp using your tablet. A smartphone or tablet needs to be treated with as much respect as your laptop. 5. Use a unique, generated, long-form password for each site you visit, kept by password-managing software, such as 1Password.§ We’re sorry to say, “secretmonkey” is not going to fool anyone. And even if you manage to remember UM6vDjwidQE9C28Z, it’s no good if it’s used on every site and one of them is hacked. (It happens all the time!) 6. Turn on two-factor authentication when using Gmail, so you can’t log in without having access to your cell phone for a login code (this means that someone who gets hold of your login and password also needs to get hold of your phone to login). And keep in mind: if your email security fails, all other online services will fail too, since an intruder can use the “password reset” from any other site to have a new password sent to the email account they now have access to. Creating security protocols and algorithms is the computer equivalent of rocket science, but taking advantage of them isn’t. Take the time to learn the basics and they’ll cease being scary voodoo that you can’t trust. These days, security for your devices is just simple good sense, like putting on your seat belt.

Do you know what made me fall in love with you?" George asked suddenly. Anne shook her head, puzzles that he should ask her this now. "I heard you laugh down the hall, just before I got to Spanish class that first day. I couldn't see you, I just heard this fabulous laugh, like a whole octave, top to bottom, and I had to hear it again." She put her fork down gently and came around the table to stand by his chair. His hands went around her hips and she pulled his head to her belly, cradling it against her body. "Let's live forever, old man," she said, smoothing the silver hair away from his face and bending to kiss him. He grinned up at her. "Okay," he said amiably, "but only because it'll really piss off that insurance guy you bought the annuities from." And she laughed, a full octave, descending from high C like chimes.

The bodies were pulverized into stock and marked with insurance. And the bodies were an aspiration, lucrative as Indian land, a veranda, a beautiful wife, or a summer home in the mountains. For the men who needed to believe themselves white, the bodies were the key to a social club, and the right to break the bodies was the mark of civilization. “The two great divisions of society are not the rich and poor, but white and black,” said the great South Carolina senator John C. Calhoun. “And all the former, the poor as well as the rich, belong to the upper class, and are respected and treated as equals.” And there it is—the right to break the black body as the meaning of their sacred equality. And that right has always given them meaning, has always meant that there was someone down in the valley because a mountain is not a mountain if there is nothing below.

The explosion of government and spending under Obama insured that while the rest of the nation continued to suffer stagnant job growth and slow housing sales long past the time when a recovery should have been underway, one city was booming like a five-year-long Led Zeppelin drum solo: Washington, D.C. According to the 2014 Forbes ranking of the ten richest counties in America, none were in New York, California, or Texas. Before Obama took office, five of the richest counties surrounded Washington, D.C. Now, seven years after Obama took office on his promise to rid the place of big money lobbyists, and Democrats assumed complete control of the White House and Congress for two years, six of the richest counties surround Washington, D.C. Bear in mind that unlike Texas or California, where money is generated by creating products people actually need, such as oil or computers, Washington, D.C., produces nothing but government. In other words, six of the ten richest counties in America got that rich by being parasites. A case could be made that under the current leadership, crony capitalism is more rewarding than actual capitalism. And with all that government around business people’s necks, it’s certainly a heckuva lot easier.

Here is what I would like for you to know: In America, it is traditional to destroy the black body—it is heritage. Enslavement was not merely the antiseptic borrowing of labor—it is not so easy to get a human being to commit their body against its own elemental interest. And so enslavement must be casual wrath and random manglings, the gashing of heads and brains blown out over the river as the body seeks to escape. It must be rape so regular as to be industrial. There is no uplifting way to say this. I have no praise anthems, nor old Negro spirituals. The spirit and soul are the body and brain, which are destructible—that is precisely why they are so precious. And the soul did not escape. The spirit did not steal away on gospel wings. The soul was the body that fed the tobacco, and the spirit was the blood that watered the cotton, and these created the first fruits of the American garden. And the fruits were secured through the bashing of children with stovewood, through hot iron peeling skin away like husk from corn. It had to be blood. It had to be nails driven through tongue and ears pruned away. “Some disobedience,” wrote a Southern mistress. “Much idleness, sullenness, slovenliness…. Used the rod.” It had to be the thrashing of kitchen hands for the crime of churning butter at a leisurely clip. It had to be some woman “chear’d… with thirty lashes a Saturday last and as many more a Tuesday again.” It could only be the employment of carriage whips, tongs, iron pokers, handsaws, stones, paperweights, or whatever might be handy to break the black body, the black family, the black community, the black nation. The bodies were pulverized into stock and marked with insurance. And the bodies were an aspiration, lucrative as Indian land, a veranda, a beautiful wife, or a summer home in the mountains. For the men who needed to believe themselves white, the bodies were the key to a social club, and the right to break the bodies was the mark of civilization. “The two great divisions of society are not the rich and poor, but white and black,” said the great South Carolina senator John C. Calhoun. “And all the former, the poor as well as the rich, belong to the upper class, and are respected and treated as equals.” And there it is—the right to break the black body as the meaning of their sacred equality. And that right has always given them meaning, has always meant that there was someone down in the valley because a mountain is not a mountain if there is nothing below.*

Babel led to an explosion in the number of languages. That was part of Enki's plan. Monocultures, like a field of corn, are susceptible to infections, but genetically diverse cultures, like a prairie, are extremely robust. After a few thousand years, one new language developed - Hebrew - that possessed exceptional flexibility and power. The deuteronomists, a group of radical monotheists in the sixth and seventh centuries B.C., were the first to take advantage of it. They lived in a time of extreme nationalism and xenophobia, which made it easier for them to reject foreign ideas like Asherah worship. They formalized their old stories into the Torah and implanted within it a law that insured its propagation throughout history - a law that said, in effect, 'make an exact copy of me and read it every day.' And they encouraged a sort of informational hygiene, a belief in copying things strictly and taking great care with information, which as they understood, is potentially dangerous. They made data a controlled substance... [and] gone beyond that. There is evidence of carefully planned biological warfare against the army of Sennacherib when he tried to conquer Jerusalem. So the deuteronomists may have had an en of their very own. Or maybe they just understood viruses well enough that they knew how to take advantage of naturally occurring strains. The skills cultivated by these people were passed down in secret from one generation to the next and manifested themselves two thousand years later, in Europe, among the Kabbalistic sorcerers, ba'al shems, masters of the divine name. In any case, this was the birth of rational religion. All of the subsequent monotheistic religions - known by Muslims, appropriately, as religions of the Book - incorporated those ideas to some extent. For example, the Koran states over and over again that it is a transcript, an exact copy, of a book in Heaven. Naturally, anyone who believes that will not dare to alter the text in any way! Ideas such as these were so effective in preventing the spread of Asherah that, eventually, every square inch of the territory where the viral cult had once thrived was under the sway of Islam, Christianity, or Judaism. But because of its latency - coiled about the brainstem of those it infects, passed from one generation to the next - it always finds ways to resurface. In the case of Judaism, it came in the form of the Pharisees, who imposed a rigid legalistic theocracy on the Hebrews. With its rigid adherence to laws stored in a temple, administered by priestly types vested with civil authority, it resembled the old Sumerian system, and was just as stifling. The ministry of Jesus Christ was an effort to break Judaism out of this condition... an echo of what Enki did. Christ's gospel is a new namshub, an attempt to take religion out of the temple, out of the hands of the priesthood, and bring the Kingdom of God to everyone. That is the message explicitly spelled out by his sermons, and it is the message symbolically embodied in the empty tomb. After the crucifixion, the apostles went to his tomb hoping to find his body and instead found nothing. The message was clear enough; We are not to idolize Jesus, because his ideas stand alone, his church is no longer centralized in one person but dispersed among all the people.

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.

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

The president and his subordinates made numerous willful misrepresentations and material omissions of fact in order to (a) discredit opponents of the health insurance legislation commonly known as “Obamacare” (the PPACA), (b) secure political support for the passage of the legislation despite intense public opposition to it, and (c) win his reelection to the presidency by concealing damaging information about the prohibitively high costs and burdens of the PPACA that would have demonstrated that many of his prior representations had been false.

It’s getting-up time,” Alessandro declares. “Today is the day.” “What day?” “The release date.” “What are we talking about?” “Daa-add. The new XBOX game. Hunting Old Sammie.” Armand opens his eyes. He looks at his son looking at him. The boy’s eyes are only inches away. “You’re kidding.” “It’s the newest best game. You hunt down terrorists and kill them.” Lifting his voice, “‘Deploy teams of Black Berets into the ancient mountains of Tora Bora. Track implacable terrorists to their cavernous lairs. Rain withering fire down on the homicidal masterminds who planned the horror of September eleven, two-thousand-and-one.’” The kid’s memory is canny. Armand lifts Alex off his chest and sits up. “Who invented it?” “I’m telling you, dad. It’s an XBOX game.” “We can get it today?” “No,” Leah says. “Absolutely not. The last thing he needs is another violent video game.” “Mahhuum!” “How bad can it be?” says Armand. “How would you know? A minute ago you hadn’t heard of it.” “And you had?” “I saw a promo. Helicopter gunships with giant machine guns. Soldiers with flamethrowers, turning bearded men into candles.” “Sounds great.” “Armand, really. How old are you?” “I don’t see what my age has to do with it.” “Dad, it’s totally cool. ‘Uncover mountain strongholds with thermal imaging technology. Call in air-strikes by F-16s. Destroy terrorist cells with laser weaponry. Wage pitched battles against mujahideen. Capture bin Laden alive or kill him on the spot. March down Fifth Avenue with jihadists’ heads on pikes. Make the world safe for democracy.’” Safe for Dick Cheney’s profits, Armand thinks, knowing all about it from his former life, but says nothing. It’s pretty much impossible to explain the complexity of how things work within the greater systemic dysfunction. Instead, he asks the one question that matters. “How much does it cost?” Alessandro’s mouth minces sideways. He holds up fingers, then realizes he needs more than two hands. Armand can see the kid doesn’t want to say. “C’mon. ’Fess up.” Alex sighs. “A one with two zeros.” “One hundred dollars.” Alex’s eyes slide away. Rapid nods, face averted. “Yeah.” “For a video game, Alex.” “Yhep.” “No way.” “Daa-add! It’s the greatest game ever!” The boy is beginning to whine. “Don’t whine,” Armand tells him. “On TV it’s awesome. The army guys are flaming a cave and when the terror guys try to escape, they shoot them.” “Neat.” “Their turbans are on fire.” “Even better.” “Armand,” Leah says. “Dad,” says Alessandro. He will not admit it but Armand is hooked. It would be deeply satisfying in the second-most intimate way imaginable to kill al Qaida terrorists holed up along the Afghanistan-Pakistan border—something the actual U.S. military cannot or will not completely do. But a hundred bucks. It isn’t really the money, although living on interest income Armand has become more frugal. He can boost the C-note but what message would it send? Hunting virtual terrorists in cyberspace is all well and good. But plunking down $100 for a toy seems irresponsible and possibly wrong in a country where tens of thousands are homeless and millions have no health insurance and children continue, incredibly, to go hungry. Fifty million Americans live in poverty and he’s looking to play games.

A typical contract in the archives of the merchant Francesco Datini (c. 1335-1410) stipulates that the insurers agree to assume the risks ‘of God, of the sea, of men of war, of fire, of jettison, of detainment by princes, by cities, or by any other person, of reprisals, of arrest, of whatever loss, peril, misfortune, impediment or sinister that might occur, with the exception of packing and customs’ until the insured goods are safely unloaded at their destination.13

If a 6 foot tall talking Badger comes to your door with a great deal on health insurance, be certain to ask if it includes in-patient psychiatric care.

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.

Sec. Particulars Amount 80C Tax saving investments1 Maximum up to Rs. 1,50,000 (from FY 2014-15) 80D Medical insurance premium-self, family Individual: Rs. 15,000 Senior Citizen: Rs. 20,000 Preventive Health Check-up Rs. 5,000 80E Interest on Loan for Higher Education Interest amount (8 years) 80EE Deduction of Interest of Housing Loan2 Up to Rs.1,00,000 total 80G Charitable Donation 100%/ 50% of donation or 10% of adjusted total income, whichever is less 80GGC Donation to political parties Any sum contributed (Other than Cash) 80TTA Interest on savings account Rs. 10,000 1              Tax saving investments includes life insurance premium including ULIPs, PPF, 5 year tax saving FD, tuition fees, repayment of housing loan, mutual fund (ELSS) (Sec. 80CCB), NSC, employee provident fund, pension fund (Sec. 80CCC) or pension scheme (Sec. 80CCD), etc. NRIs are not allowed to invest in certain investments, such as PPF, NSC, 5 year bank FD, etc. 2              Only to the first time buyer of a self-occupied residential flat costing less than Rs. 40 lakhs and loan amount of less than 25 lakhs sanctioned in financial year 2013-14 Clubbing of other’s income Generally, the taxpayer is taxed on his own income. However, in certain cases, he may have to pay tax on another person’s income.  Taxpayers in the higher tax bracket (e.g. 30%) may divert some portion

Graham paid up for quality when he bought the insurance company GEICO—he ended up making more profits from that single investment than he did from all his other activities combined.16 Tom

Do you know what made me fall in love with you?" George asked suddenly. Anne shook her head, puzzled that he should ask her this now. "I heard you laugh down the hall, just before I got to Spanish class that first day. I couldn't see you, I just heard this fabulous laugh, like a whole octave, top to bottom, and I had to hear it again." She put her fork down gently and came around the table to stand by his chair. His hands went around her hips and she pulled his head to her belly, cradling it against her body. "Let's live forever, old man," she said, smoothing the silver hair away from his face and bending to kiss him. He grinned up at her. "Okay," he said amiably, "but only because it'll really piss off that insurance guy you bought the annuities from." And she laughed, a full octave, descending from high C like chimes.

He knew that all was well in the silent house. Reeves was here—somewhere—as good as a watch dog and an insurance policy in one. Reeves would have been all over the house, as silent as a shadow, prying and guarding both. He would have looked in at the two sleeping women, quite calm and unembarrassed. Reeves was a very domestic character

At 50, people are still looking for a stockbroker to work a miracle for them, but at 60 they start looking for an advisor to help them negotiate a truce with reality. Regardless of when people are actually planning to retire, 60 is psychologically the beginning of the end of the accumulation period in their lives, and the beginning of the beginning of the distribution phase.... Variable annuitization offers genuine hope to people who (a) need to live on more than six percent of their capital, (b) need their income to grow in some relation to equity returns, which have historically been more than three times the inflation rate, and (c) at the very, very least, need to be assured that some income will continue for their entire lives. Variable annuitization is the only chance these people have. ...If Americans understood how the capital markets actually work, most folks would choose variable universal life insurance over variable life and whole life as the cheapest form of permanent insurance they could buy for the long run. That's simply because the insurance cost of an insurance policy is a pure function of how much of its own money the insurance company has exposed. Since the policyholder's own cash value builds up most significantly over time - and therefore the insurance company's exposure falls further, faster - in variable universal policies than in other debt-based (or general account-based) contracts, the net premium dollars allocated to the purchase of the death benefit must be lower, at the end of the day. And the policyholder's equity must be commensurately greater.

If your company has any credible strategy for providing equity-based returns with muted volatility, you have not just a value proposition, but one of the most important value propositions of our time.... What's the concept in an operating real estate REIT? Operating real estate (as distinct from net leases or mortgages, which are other financing concepts) has the potential to produce equity-like long-term returns, but isan extremely powerful diversifier, in that real estate correlates positively with inflation while stocks and bonds correlate negatively with it. Inflation, with it attendant higher interest rates, chokes off new supply of real estate: new expensive to build, to expensive to finance at prevailing market rents. When new supply dwindles, normal growth absorbs the available space and puts upward pressure on rents, increasing cash flows to the owners... until rents get to a point where new construction pencils out again. (Meanwhile, in an inflation/interest rate flareup of any consequence, stocks and bonds are usually getting hit, and sometimes hit hard.) This, to me, is a trifecta of a conceptual value proposition: (a) the potential for the equity-like long-term returns investors need, (b) historically correlated positively with inflation, unlike all financial assets, and (c) just when you think this story can't get better, with 90% of available income paid out currently to income-starved investors.... What's the concept for variable life insurance? It's certainly the least expensive long-term form of life insurance, in that, as the investment portion grows, it extinguishes the insurance company's exposure. (As Ben Baldwin gnomically and brilliantly observes, 'All insurance is term insurance.') It may also be, in a given situation, the cheapest way of funding an estate tax liability, leaving the maximum legacy to one's heirs. And, of course, if the ownership is vested in an insurance trust, one may (under current law at this writing) be bequeathing wealth without income or estate taxation. As long as there is an estate tax - any estate tax - there will be a financial planning issue in the life of every affluent household/family: how do you want the heirs to pay it? And it seems likely that, conceptually, VUL will always be an answer.... Small cap equities? The concept is, clearly, higher returns with - and precisely because of - their higher volatility.

Human emotional immaturity has been studied for a long time. However, over the years it has lost ground to an increasing focus on symptoms and clinical diagnosis, using a medical disease model to quantify behaviors as illnesses suitable for insurance reimbursement.

Curbing the financial sector. Since so much of the increase in inequality is associated with the excesses of the financial sector, it is a natural place to begin a reform program. Dodd-Frank is a start, but only a start. Here are six further reforms that are urgent: (a) Curb excessive risk taking and the too-big-to-fail and too-interconnected-to-fail financial institutions; they’re a lethal combination that has led to the repeated bailouts that have marked the last thirty years. Restrictions on leverage and liquidity are key, for the banks somehow believe that they can create resources out of thin air by the magic of leverage. It can’t be done. What they create is risk and volatility.2 (b) Make banks more transparent, especially in their treatment of over-the-counter derivatives, which should be much more tightly restricted and should not be underwritten by government-insured financial institutions. Taxpayers should not be backing up these risky products, no matter whether we think of them as insurance, gambling instruments, or, as Warren Buffett put it, financial weapons of mass destruction.3 (c) Make the banks and credit card companies more competitive and ensure that they act competitively. We have the technology to create an efficient electronics payment mechanism for the twenty-first century, but we have a banking system that is determined to maintain a credit and debit card system that not only exploits consumers but imposes large fees on merchants for every transaction. (d) Make it more difficult for banks to engage in predatory lending and abusive credit card practices, including by putting stricter limits on usury (excessively high interest rates). (e) Curb the bonuses that encourage excessive risk taking and shortsighted behavior. (f) Close down the offshore banking centers (and their onshore counterparts) that have been so successful both at circumventing regulations and at promoting tax evasion and avoidance. There is no good reason that so much finance goes on in the Cayman Islands; there is nothing about it or its climate that makes it so conducive to banking. It exists for one reason only: circumvention. Many

In June 1960 there was a run on the bank’s deposits and the bank collapsed. Even now, no one knows what really happened. Had the RBI been vindictive? Was it being overly cautious? Were there some political reasons for the action, as many now believe? There are many unanswered questions. But there were two positive effects: the birth of deposit insurance and tightening of the RBI’s grip on commercial banks because the government empowered the RBI to forcibly merge weak banks. It

Batteries, Bug repellent, Belts, Bags , Barbecue equipment, Boots, Bath towels. Bikes, Bike rack. C - Cash and credit cards, Cell phones & chargers, Camera and film/memory cards, Coffee pot, Can opener, Cups, Cutlery, Computer, Clock, Cleaning utensils, Clothes and coats, Camping Guides, Condiments (salt, sugar, pepper). D - Dishes, Drainers, Disinfectant. F - First Aid kit, Fire Extinguishers G - Glasses, (drinking, reading, sun), Games. H -Herbs, Hair brushes, Headphones. K -Keys (house, RV, Lockers), Kindle & cable, Kitchen Gadgets. M - Medication. Money belts, Measuring implements, Maps, P - PERSONAL DOCUMENTS: Passports, Health Certificates, Insurance, Driving License, RV documents, Power adapters, Pens, Pets:

Keynes had been appointed to the board of the National Mutual, one of the oldest institutions in the city, in 1919.107 He had served as chairman of the insurer, and helped manage its investment portfolio from 1921. That portfolio lost £641,000 ($61 million), an enormous sum of money in 1937. While Keynes was recuperating from a heart attack, F. N. Curzon, the acting chairman of the insurer called him to account for the loss.108 Curzon and the board criticized Keynes’s investment policy of remaining invested in his “pet” stocks during the decline.109 In a response to Curzon in March 1938, Keynes wrote:110 1. I do not believe that selling at very low prices is a remedy for having failed to sell at high ones. . . . As soon as prices had fallen below a reasonable estimate of intrinsic value and long-period probabilities, there was nothing more to be done. It was too late to remedy any defects in previous policy, and the right course was to stand pretty well where one was. 2. I feel no shame at being found owning a share when the bottom of the market comes. I do not think it is the business, far less the duty, for an institutional or any other serious investor to be constantly considering whether he should cut and run on a falling market, or to feel himself open to blame if shares depreciate on his hands. . . . An investor is aiming, or should be aiming, primarily at long-period results, and should be solely judged by these. . . . The idea that we should all be selling out to the other fellow and should all be finding ourselves with nothing but cash at the bottom of the market is not merely fantastic, but destructive of the whole system. 3. I do not feel that we have in fact done particularly badly. . . . If we deal in equities; it is inevitable that there should be large fluctuations.

Who upholds that the good is oft interred with our bones. ’Tisn’t true though it is Shakspeare who says it; if you leave your family or your pet hospital a good many thousands, you will get the cardinal virtues, and a trifle more, in letters of gold on your tomb; though if you have lived up to your income, or forgotten to insure, any penny-alining La Monnoye will do to scribble your epitaph, and break off with “C’est trop mentir pour cinq écus!

Here is the outline of my simple, actionable advice for healthy eating, which I describe in detail later in the book: • Eat plenty of vegetables and fruits, but limit fruit juices and corn, and hold the potatoes. • Eat more good fats (these mostly come from plants) and fewer bad fats (these mostly come from meat and dairy foods). • Eat more whole-grain carbohydrates and fewer refined-grain carbohydrates. • Choose healthy sources of protein, limit your consumption of red meat, and don’t eat processed meat. • Drink more water. Coffee and tea are okay; sugar-sweetened soda and other beverages aren’t. • Drink alcohol in moderation, if at all. • Take a multivitamin for insurance, just in case you aren’t getting the vitamins and minerals you need from the foods you eat. Make sure it delivers at least 1,000 international units of vitamin D.

This semi-privatization of Medicare was called Medicare Part C, or Medicare Advantage. Although it has the name “Medicare,” it’s not Medicare. It’s private, for-profit insurance, with almost all of the costs paid for with funds extracted from the government’s Medicare trust fund.

What if we looked at the law as a piece of software, the operating system of the United States of America. After all, laws play the same role as software in providing instructions for a given system - if this, then that, and so on. If a team of software engineers was asked to analyze the entire body of federal law, they would see tens of thousand of pages of poorly documented code, with a multitude of complex, spaghetti-like interdependencies between the individual components. Could the principles of good software design be used to improve the way we write financial regulations? Li, William, Pablo Azar, David Larochelle, Phil Hill, and Andrew W. Lo. 2015. 'Law Is Code: A Software Engineering Approach to Analyzing the United States Code.' Journal of Business and Technology Law 10: 297. A useful feature of network graphs if the ability to model contagion. Like an epidemiologist studying the spread of a contagious disease from its point of origin, we should identify the potential linkages through which a financial crisis may travel. Billio, Monica, Mila Getmansky, Andrew W. Lo, and Loriana Pelizzon, 2012. 'Econometric Measures of Connectedness and Systemic Risk in the Finance and Insurance Sectors.' Journal of Financial Economics, 104: 535-559. This approach can also be used to measure the network of banks, insurance companies, and sovereign nations. The idea is to see how macroeconomic problems facing countries might get transmitted to the financial system and vice versa. Billio, Monica, Mila Getmansky, Dale Gray, Andrew W. Lo, Robert C. Merton, and Loriana Pelizzon. 2016. 'Granger-Causality Networks of Sovereign Risk.' Working Paper, MIT Laboratory for Financial Engineering.

Finding a person to declare your craziest, most profound insecurities to is not exactly a picnic. But the bureaucratic idiocy of America’s healthcare system turns what should be a chore into torture. If you’re a middle-class person in America, the dance goes like this: You call your insurance provider to find a meager list of therapists who take your insurance. Most of the people on the list are licensed clinical social workers or licensed mental health counselors. They can be wonderful and very helpful, but they often have less schooling and experience than, say, psychologists and PhDs. After digging deeper, you find that some of these therapists don’t take your insurance after all; others have full client lists. And even if they do have space in the day to treat someone, they might not be interested in treating you. According to one study, a low-income Black person had up to an 80 percent lower chance of receiving a callback for an appointment than a middle-class white person. And even though intellectually, therapists tell you that anger can be a helpful and legitimate emotion in processing trauma, God forbid you actually seem angry on the phone. Several mental health professionals have told me that therapists often avoid rageful clients because they seem threatening or scary. Therapists instead prefer to take on YAVIS—Young, Attractive, Verbal, Intelligent, and Successful clients. They love an amenable type, someone who is curious about their internal workings and eager to plumb them, someone who’s already read articles in The New Yorker about psychology to familiarize them with the language of metacognition and congruence. Good luck if you’re a regular-ass Joe who’d rather watch It’s Always Sunny in Philadelphia. But say you get lucky and find a licensed clinical psychologist with an open slot. The psychologist is white, of course (86 percent of psychologists in the United States are), which isn’t ideal if you are a person of color. But, fine, whatever: You just need to receive an official diagnosis for your insurance. You are certain you have complex PTSD, but he can’t diagnose you with that because it’s not in the Diagnostic and Statistical Manual of Mental Disorders. Your insurance only covers treatment for conditions listed in the DSM in order to assign a number of sessions to you. Most forms of insurance will pay for, say, only six months of therapy relating to anxiety, ten for depression, as if you should be better by then. Another consequence of C-PTSD not being in the DSM: This psychologist hasn’t been trained in treating it. He says he doesn’t believe that it’s a real diagnosis. He’d like to provide you with some questionnaires to see if you have something he can actually handle—bipolar disorder, maybe, or manic depression. This does not inspire confidence, so you leave. After some internet sleuthing, you find a woman of color who seems really cool. She’s specifically trained in the treatment of complex trauma. She has blurbs on her website that resonate with you—it seems as if she might truly understand you. But she doesn’t take insurance. (Psychologists are the least likely of any medical provider to take insurance—only about 45 percent of them do. And most of the time, the ones who don’t are the most qualified practitioners.) You can’t exactly blame her. You learn on the internet that insurance companies haven’t updated reimbursement rates for therapists in up to twenty years, despite rising rates for office rent and other administrative costs. If therapists were to rely on reimbursement rates from insurance alone, they’d wind up making about $50,000 a year on average, which is fine, but like, not great if you’re an actual doctor.

It’s a closed system that leaves little room for desperate people to argue or assess other options, especially if their insurance company will only pay for one chemical-dependency assessment.

Workmen’s Compensation insurance is very complicated, expensive, and mandatory. Because it is mandatory and subject to government regulation and enforcement, it is much abused. The rates are much higher than they should be. If you have any employees (even an in-house babysitter or housekeeper makes you an employer) then you need W.C. coverage.

The Family’s only publicized gathering is the National Prayer Breakfast, which it established in 1953 and which, with congressional sponsorship, it continues to organize every February at the Washington, D.C., Hilton. Some 3,000 dignitaries, representing scores of nations and corporate interests, pay $425 each to attend. For most, the breakfast is just that, muffins and prayer, but some stay on for days of seminars organized around Christ’s messages for particular industries. In years past, the Family organized such events for executives in oil, defense, insurance, and banking. The 2007 event drew, among others, a contingent of aid-hungry defense ministers from Eastern Europe, Pakistan’s famously corrupt Benazir Bhutto, and a Sudanese general linked to genocide in Darfur.

Eat plenty of vegetables and fruits, but limit fruit juices and corn, and hold the potatoes. • Eat more good fats (these mostly come from plants) and fewer bad fats (these mostly come from meat and dairy foods). • Eat more whole-grain carbohydrates and fewer refined-grain carbohydrates. • Choose healthy sources of protein, limit your consumption of red meat, and don’t eat processed meat. • Drink more water. Coffee and tea are okay; sugar-sweetened soda and other beverages aren’t. • Drink alcohol in moderation, if at all. • Take a multivitamin for insurance, just in case you aren’t getting the vitamins and minerals you need from the foods you eat. Make sure it delivers at least 1,000 international units of vitamin D.

Number of Ingroups If only one ingroup is present, it dominates social life. It provides the only source of norms, identity, and social support. Collectivists may have relatively few ingroups, but they identify very strongly with them. The ingroups of collectivists provide social insurance, protection, and a relaxing atmosphere. The presence of many ingroups encourages individualism. For example, the separation of church and state in the United States automatically creates more than one ingroup and is a premise upon which multiculturalism and democracy are based. It is also the foundation for social movements because each ingroup can potentially become a social movement. Multiple ingroups are especially important in large urban centers, where the social controls of small ingroups are often weak. The social structures of these communities are loose, and several of the factors we have discussed converge to put more emphasis on personal responsibility and less on norms. With more ingroups and looseness there is an increase in social diversity, tolerance for deviance, and multiculturalism. Thus the factors that make cultures loose and allow many choices favor individualism. Conversely, collectivism is maximal in tight cultures, where there are few choices.

Horizontal expertise paints on a far-reaching canvas. Say that you are an expert known worldwide for helping CEOs manage change in disruptive environments. Your expertise doesn’t come from understanding a vertical industry, like mining or media or consumer electronics or transportation. You just need to be sufficiently sharp to learn enough about a given industry to know how to apply your expertise in a given setting. In effect, you can work with any viable CEO candidate who wants to learn — regardless of the industry — as long as the primary challenges are defined horizontally, such as navigating deep change in the middle of disruption. Today you’re working with C-level executives at Samsung after their phones are banned on all airline flights, but next month you might be working with an executive in the hospitality industry facing a hotel worker strike. Or health insurance executives navigating an uncertain landscape that can never really see farther than two years. Each of these engagements is interesting because you have to apply your expertise to a new setting. But as much as you are learning, you’re taking two steps back for every three steps forward because much of what you learn with each new engagement is just the bare necessity in order to even be relevant. It’s interesting but challenging. Thrilling but exhausting. Engaging but distracting. There are cases, of course, where new clients regard your broad expertise as a significant selling point. They like that you can apply consumer insights to a professional B2B setting, or that you can help apply change management to consumer engagement. The first advantage of horizontal expertise, then, is how the application of expertise to many verticals always keeps the expert engaged and learning.

Intuitively, I am hard-pressed to believe that most people would endorse the notion that the future of humankind is worth no more than a single apartment. Chichilnisky, a major figure in the IPCC, has argued that this kind of thinking about discount rates is not only ridiculous but immoral; it exalts a “dictatorship of the present” over the future. Economists could retort that people say they value the future, but don’t act like it, even when the future is their own. And it is demonstrably true that many—perhaps most—men and women don’t set aside for retirement, buy enough insurance, prepare their wills, or a hundred other precautions, even if they have sufficient resources. If people won’t make long-term provisions for their own lives, why should we expect people to bother about climate change for strangers many decades from now?

Oil and gasoline use is diffuse, scattered in the global crowd. The world has 1.3 billion vehicles and perhaps 1.5 billion households. Cutting emissions from these cars and homes means changing the daily lives of billions of people, a mind-boggling thought. Reducing global coal emissions, by contrast, means dealing with 3,300 big coal-fired power plants and several thousand big coal-driven steel and cement factories.*10 The task is huge, but it is at least imaginable—and it targets almost half of the world’s emissions at a stroke. Fix coal, the idea is, then go, if needed, to the next thing. That’s the way to insure against the small but real possibility of catastrophe.

VIU by HUB is an insurance brokerage that offers personal insurance policies for B2C customers. They reimagine the way you find and manage your personal insurance policies. They believe that finding the right insurance coverage should be easy, quick, and even delightful.

Lieutenant Haynes then gave us our diving assignments: dynamite the concrete quays that pinned the Tennessee against the West Virginia, and sound the hulls of the sunken ships to insure that no one was trapped within them. He indicated that the rescue of any possible survivors took precedence over every other operation.

The only policy covering the musicians was one the Blacks and White Star took out jointly from the recently established (1907) Legal Insurance Company, but it soon transpired that the insurers were quibbling over the scope of the word dependent. Wives and children were obviously dependents, but could working fathers, such as Andrew Hume and Ronald Brailey, honestly describe themselves as such? This meant that neither of the two main parties—White Star and the Black brothers—was making immediate contributions to the families. Outraged by this, three of the fathers—Leon Bricoux, Andrew Hume, and Ronald Brailey—mounted a legal case against C. W. & F. N. Black in June 1912, arguing that as workers who had lost their lives while carrying out their duties and through no fault of their own, their sons should be covered by the strictures of the Workmen’s Compensation Act. There had never been any suggestion that they’d brought about their fate through negligence or misbehavior.

It was natural, then, for the musicians’ families to turn first to the White Star Line for financial benefits under the Workmen’s Compensation Act. Sorry, said White Star, the bandsmen were Second Class passengers and not covered by the Act. The Line suggested that the families contact C. W. and F. N. Black, the real employers. Sorry, said the Blacks. The problem wasn’t their responsibility. They carried insurance to cover such matters, and any claims should be laid at the insurer’s door. Sorry, said the insurance company, the bandsmen were not workmen as covered by the policy. They were independent contractors, using the Blacks as a booking agency, and the insurance company was under no liability. Months passed while White Star, the Blacks, and the insurer tossed this hot potato back and forth. Finally, in exasperation the families took the Blacks to court. The judge was sympathetic, but that was all. The bandsmen, he decided, were not the employees of anybody. They were passengers in the case of the White Star Line, and independent contractors in the case of the Blacks and the insurers.

But pleas about cost savings don’t get people to change their behavior. Neither do voluntary assessments that are supposed to scare people straight. The people who’d be most scared don’t show up for the assessments, because they know the assessments will tell them things they don’t want to hear. And the people who show up, unless they’re told they’re going to keel over within a year, figure they can make marginal changes and be fine. It makes you wonder whether the conventional corporate drive toward “wellness” isn’t just ineffective, but also a huge missed opportunity. The reigning assumption in the world of HR managers, large insurers, and policy wonks is that changing behavior is hard, so people need to be nudged toward healthy behaviors by making that change seem easy and palatable. “Gamify” it. Give people points for reading informative online articles about nutrition. Count pedometer steps. Make the healthy choices seem just a little bit different than the choices that result in chronic disease. Make the change seem smaller, so that people can follow a bread crumb trail of small adjustments to a better life without really changing their perspective. There are a lot of snazzy mobile apps and candy-colored motivational posters that push this approach. There are a lot of single-serving snacks with low calorie counts, sold as healthier-but-you-wouldn’t-know-it. They’re packed with sugar, so they end up making people hungrier and fatter.

The German inflation was a huge fraud which benefited the debtors and speculators at the expense of the large, prudent middle class. The following things happened in Germany: a. Bonds (including governments), real estate mortgages, life insurance, bank savings and all fixed value investments became worthless because they were redeemed by debtors with depreciated money. b. Common stocks of industrial concerns soared to fantastic heights and paid huge dividends. When stabilization came these stocks crashed and only the strongest companies survived. In spite of this common stocks proved to be the best investment. c. Real estate owners who paid off their mortgages with depreciated currency and held on to it until stabilization came, still had something of value. The same applied to purchasers of commodities such as diamonds, etc. d. Industries expanded, built huge additions to their plants and paid in worthless currency. Of all classes, the industrialists fared best. e. Professional men were badly off.

Great gifts and achievements early in life are simply not an insurance policy against suffering later on. On the contrary, studies show that people who have chased power and achievement in their professional lives tend to be unhappier after retirement than people who did not.

The rest of the world’s unwillingness to spend—which in turn was attributable to the class wars in the major surplus economies and the desire for self-insurance after the Asian crisis—was the underlying cause of both America’s debt bubble and America’s deindustrialization. Foreign financial inflows forced Americans to absorb their glut of manufacturing capacity at the expense of U.S. jobs and incomes. This necessarily required foreign savers to mitigate the impact of job losses on American spending by buying dollar-denominated assets, which pushed down interest rates, expanded credit, and facilitated a surge in household borrowing.

By 200 B.C. soldiers of the Roman Republic had conquered all of Italy except the Alps. In the following three hundred years they created an empire extending from Spain to the Persian Gulf. To insure their hold over these lands the Roman soldiers built permanent military camps. As the need for military force lessened, many camps became important cities of the Roman Empire. The Romans knew that well planned cities did more to maintain peace and security than twice the number of military camps. They also knew that a city was more than just a business, government, or religious center. It was all three, but most important, it had to be a place where people wanted to live.

You will now be instructed how to build plans which will be practical, viz:— (a)   Ally yourself with a group of as many people as you may need for the creation and carrying out of your plan or plans for the accumulation of money—making use of the “Master Mind” principle described in a later chapter. (Compliance with this instruction is absolutely essential. Do not neglect it). (b)   Before forming your “Master Mind” alliance, decide what advantages and benefits you may offer the individual members of your group, in return for their cooperation. No one will work indefinitely without some form of compensation. No intelligent person will either request or expect another to work without adequate compensation, although this may not always be in the form of money. (c)   Arrange to meet with the members of your “Master Mind” group at least twice a week, and more often if possible, until you have jointly perfected the necessary plan or plans for the accumulation of money. (d)   Maintain perfect harmony between yourself and every member of your “Master Mind” group. If you fail to carry out this instruction to the letter, you may expect to meet with failure. The “Master Mind” principle cannot obtain where perfect harmony does not prevail. Keep in mind these facts:— First: you are engaged in an undertaking of major importance to you. To be sure of success, you must have plans which are faultless. Second: you must have the advantage of the experience, education, native ability and imagination of other minds. This is in harmony with the methods followed by every person who has accumulated a great fortune. No individual has sufficient experience, education, native ability, and knowledge to insure the accumulation of a great fortune, without the cooperation of other people. Every plan you adopt, in your endeavor to accumulate wealth, should be the joint creation of yourself and every other member of your “Master Mind” group. You may originate your own plans, either in whole or in part, but see that those plans are checked, and approved by the members of your “Master Mind” alliance.

The Black Church has no challenger as the cultural womb of the black community. Not only did it give birth to new institutions such as schools, banks, insurance companies, and low income housing, it also provided an academy and an arena for political activities, and it nurtured young talent for musical, dramatic, and artistic development.

A good rule of thumb is to never, ever pay more than 15 years fair rental value for any residence.c This computes out to a 6.7 percent (1/15th) gross rental dividend, or 3.7 percent after taxes, insurance, and maintenance, which is about what you might expect from a mixed portfolio of stocks and bonds.

An exemplary son of Sicilian immigrants, he worked hard and made big plans. At seventeen he was already an insurance agent and engaged to Josie, a sweet local girl; he anticipated a flourishing American life, a happy family, a prosperous business. But three nights after Mardi Gras, Josie had a dream. She dreamed that evil was about to descend on the neighborhood. She was prescient. Frank’s life was about to become a nightmare.

the whole car insurance industry was a scam. A large, money-making, corporate crime perpetuated by corporations and powers that spanned the world.

The following rules are the fundamental differentiators to keep in mind throughout this book. 1. Retirement Is Worst-Case-Scenario Insurance. Retirement planning is like life insurance. It should be viewed as nothing more than a hedge against the absolute worst-case scenario: in this case, becoming physically incapable of working and needing a reservoir of capital to survive. Retirement as a goal or final redemption is flawed for at least three solid reasons: a. It is predicated on the assumption that you dislike what you are doing during the most physically capable years of your life. This is a nonstarter—nothing can justify that sacrifice. b. Most people will never be able to retire and maintain even a hotdogs-for-dinner standard of living. Even one million is chump change in a world where traditional retirement could span 30 years and inflation lowers your purchasing power 2–4% per year. The math doesn’t work.3 The golden years become lower-middle-class life revisited. That’s a bittersweet ending. c. If the math does work, it means that you are one ambitious, hardworking machine. If that’s the case, guess what? One week into retirement, you’ll be so damn bored that you’ll want to stick bicycle spokes in your eyes. You’ll probably opt to look for a new job or start another company. Kinda defeats the purpose of waiting, doesn’t it? I’m not saying don’t plan for the worst case—I have maxed out 401(k)s and IRAs I use primarily for tax purposes—but don’t mistake retirement for the goal.

Sixty-odd years ago a young insurance salesman in Minneapolis named Larry Wilson was miserable. Every time he was rejected by a prospective customer he felt like a terrible failure, an anxious loser unwilling to make the next telephone call. You might say he had a fixed mindset: Why bother to make a call if he was only going to fail again? He was ready to quit his job. But then his boss taught him a simple trick: he could change how he thought about those rejections. Because it took a beginning salesperson about twenty calls before making one sale and the average commission was $500, that meant on average a call was worth $25. Now, whenever Larry was told no, he forced himself to cheerfully think, “Thanks for the twenty-five dollars.” This simple change not only made him feel better, it also allowed him to do his job better because he could focus on customers instead of on how miserable he felt. Soon, he was averaging ten calls for each commission of $1,000, and whenever he was rejected, he would think, “Thanks for the one hundred dollars.” Essentially, he had reframed his thinking about failure.

Behavioral scientists who have conducted studies have discovered that people remember pictures better than they do words most of the time.115 They call this tendency the “picture superiority effect.” Tim points out, “Post-modern society is a world saturated with data. People process approximately one thousand messages a day, digitally and personally. The only hope we have of our message sticking is to insure it contains pictures.”116 The more visual you are, the more memorable you are.

THE PRACTICE & SCIENCE OF DRAWING BY HAROLD SPEED Associé de la Société Nationale des Beaux-Arts, Paris; Member of the Royal Society of Portrait Painters, &c. With 93 Illustrations & Diagrams LONDON SEELEY, SERVICE & CO. LIMITED 38 GREAT RUSSELL STREET 1913 Superior Formatting Publishing If you want more well formatted, classic books which have been formatted specifically for the Kindle platform then just search Amazon for "Superior Formatting Publishing". You can also browse and purchase our entire inventory at our website: SuperiorFormatting.com All of our books are priced as low as possible, feature a linked table of contents, cover art, and superior formatting. Our formatting techniques insures that all page breaks, indents, spacing and quotes are properly displayed on your Kindle device. Plate I. FOUR PHOTOGRAPHS OF SAME MONOCHROME PAINTING IN DIFFERENT STAGES ILLUSTRATING A METHOD OF STUDYING MASS DRAWING WITH THE BRUSH PREFACE Permit me in the first place to anticipate the disappointment of any student who opens this book with the idea of finding "wrinkles" on how to draw faces, trees, clouds, or what not, short cuts to excellence in drawing, or any of the tricks so popular with the drawing masters of our grandmothers and still dearly loved by a large number of people. No good can come of such methods, for there are no short cuts to excellence. But help of a very practical kind it is the aim of the following pages to give; although it may be necessary to make a greater call upon the intelligence of the student than these Victorian methods attempted.