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I needed a vacation. I needed 5 women. I needed to get the wax out of my ears. My car needed an oil change. I'd failed to file my damned income tax. One of the stems had broken off of my reading glasses. There were ants in my apartment. I needed to get my teeth cleaned. My shoes were run down at the heels. I had insomnia. My auto insurance had expired. I cut myself every time i shaved. I hadn't laughed in 6 years. I tended to worry when there was nothing to worry about. And when there was something to worry about, i got drunk.

Thirty- eight years old and he was finished. He sipped at the coffee and remembered where he had gone wrong -- or right. He'd simply gotten tired -- of the insurance game, of the small offices and high glass partitions, the clients; he'd simply gotten tired of cheating on his wife, of squeezing secretaries in the elevator and in the halls; he'd gotten tired of Christmas parties and New Year's parties and birthdays, and payments on new cars and furniture payments -- light, gas, water -- the whole bleeding complex of necessities. He'd gotten tired and quit, that's all. The divorce came soon enough and the drinking came soon enough, and suddenly he was out of it. He had nothing, and he found out that having nothing was difficult too. It was another type of burden. If only there were some gentler road in between. It seemed a man only had two choices -- get in on the hustle or be a bum.

I think the sorts of people who honestly think that service workers should be more smiley and gracious just don’t get it. They don’t get it because they can take so much for granted in their own lives—things like respect, consideration, and basic fairness on the job. Benefits. Insurance. They’re used to the luxury of choosing the most aesthetically pleasing item on the shelf, of caring what color their car is rather than simply whether it runs or not. They don’t understand how depressing it is to be barely managing your life at any given moment of the day. So forgive me if I don’t tell you to have a pleasant day with unfeigned enthusiasm when I hand you your fucking hamburger. You’ll have to settle for the fake sort.

You'll teach me to drive your car if I let you get in the water?" "Uh, no. I'll teach you how to drive Galen's car if you let me get in the water. You're not touching my car without a license. A real one, not some shiny plastic thing Rachel made between afternoon talk shows." Even if Galen doesn't have insurance, he's got enough in his wallet to buy a new one. I, on the other hand, have just enough in saving to cover my deductible. Her eyes go round. "You'll let me drive his little red one? The combustible?" Why not? I nod. "Yep. The convertible. Deal?" She grabs my hand from the couch to pull us both up. Then she shakes it. "Deal! I'll go get the keys from Rachel.

The total average cost of driving, including depreciation, maintenance, and insurance, runs about 61 cents a mile, and since the average automobile used for commuting to work contains only 1.1 people, every commute costs a little more than 55 cents per passenger mile. This means that, if you’re an automobile commuter traveling twenty-five miles each way to work, you’re spending around $30 a day for the privilege, not including the cost, if there is one, to park. You’re also spending an hour every day for which, unless you’re a cabbie or bus driver yourself, you’re not getting paid, and during which you’re not doing anything productive at all. For the average American, that’s another $24. In transportation, time really is money.

New Rule: Republicans must stop pitting the American people against the government. Last week, we heard a speech from Republican leader Bobby Jindal--and he began it with the story that every immigrant tells about going to an American grocery store for the first time and being overwhelmed with the "endless variety on the shelves." And this was just a 7-Eleven--wait till he sees a Safeway. The thing is, that "endless variety"exists only because Americans pay taxes to a government, which maintains roads, irrigates fields, oversees the electrical grid, and everything else that enables the modern American supermarket to carry forty-seven varieties of frozen breakfast pastry.Of course, it's easy to tear government down--Ronald Reagan used to say the nine most terrifying words in the Englishlanguage were "I'm from the government and I'm here to help." But that was before "I'm Sarah Palin, now show me the launch codes."The stimulus package was attacked as typical "tax and spend"--like repairing bridges is left-wing stuff. "There the liberals go again, always wanting to get across the river." Folks, the people are the government--the first responders who put out fires--that's your government. The ranger who shoos pedophiles out of the park restroom, the postman who delivers your porn.How stupid is it when people say, "That's all we need: the federal government telling Detroit how to make cars or Wells Fargo how to run a bank. You want them to look like the post office?"You mean the place that takes a note that's in my hand in L.A. on Monday and gives it to my sister in New Jersey on Wednesday, for 44 cents? Let me be the first to say, I would be thrilled if America's health-care system was anywhere near as functional as the post office.Truth is, recent years have made me much more wary of government stepping aside and letting unregulated private enterprise run things it plainly is too greedy to trust with. Like Wall Street. Like rebuilding Iraq.Like the way Republicans always frame the health-care debate by saying, "Health-care decisions should be made by doctors and patients, not government bureaucrats," leaving out the fact that health-care decisions aren't made by doctors, patients, or bureaucrats; they're made by insurance companies. Which are a lot like hospital gowns--chances are your gas isn't covered.

That was the main thing wrong with Mrs. Kamal. She spent such an extraordinary amount of mental energy feeling irritated that it was impossible not to feel irritated in turn. It was oxygen to her, this low-grade dissatisfaction, shading into anger; this sense that things weren't being done correctly, that everything from the traffic noise at night to the temperature of the hot water in the morning to the progress of Mohammed's potty training to the fact that Fatima wasn't being taught to read Urdu, only English, to the fact that Rohinka served only two dishes at dinner the night of her arrival to the cost of the car insurance for the VW Sharan to the fact that Shahid didn't have a 'proper job' and seemed to have no intention of getting one, let alone a wife, to the unfriendliness of London, the fact that it was an 'impossible city,' to the ostentatious way she complained about missing Lahore, especially at dinner time, giving meaningful, sad, reproachful looks at the food Rohinka had cooked.

Moreover, poor people are never opposed to big government because they’re exempt from all the annoying things that government does. They’re not worried about taxes: The government is not going to raise any taxes that they pay. They drive unlicensed cars, have no insurance, flee accidents, and couldn’t pay a court judgment anyway. The government doesn’t want to get in touch with the poor for any reason other than to give them things.

Something that looked like a giant black bee whooshed by them and careened around the curve ahead. She sat up, startled. “What was that?” “Carload of Negroes.” “Mercy, what do they think they’re doing?” “That’s the way they assert themselves these days,” Henry said. “They’ve got enough money to buy used cars, and they get out on the highway like ninety-to-nothing. They’re a public menace.” “Driver’s licenses?” “Not many. No insurance, either.

I was recently pulled over by the police in the wee hours of the morning on my way to vacation in Alabama. I was traveling with my family, and my wife and kids were asleep. I was on the phone with my brother Al, trying to get directions to our beach house. There was no one else on the road as I was driving through a small town. All of a sudden, flashing lights appeared out of nowhere and I pulled over. The lights woke up everybody in the car, and one of my kids said, “Maybe the policeman watches Duck Dynasty.” The officer came up to my window and asked for my driver’s license and insurance card. When I began to speak to the policeman, he put his hand on his holstered gun. My wife said, “Guess he’s not a fan.” The cop gave me a speeding ticket for driving forty-four miles per hour in a thirty-mile-per-hour zone, which was fine. Hey, I broke the law! But what made me a bit uncomfortable was that every time I opened my mouth he put his hand on his gun!

Isaac basically knew just one thing for sure: Many are born, few flourish, all die. If you didn’t die as a sacrifice for God today, you would die of an incomprehensible plague tomorrow, or of undeserved starvation the day after, or of good old-fashioned senseless human slaughter before the next harvest. Life was short in those days and people were grateful for whatever they could get. They didn’t expect wireless video game consoles, fast German cars, dental insurance, anti-depressants, and a pension.

Several years ago I was lecturing in British Columbia. Dr [Simon] Wessely was speaking and he gave a thoroughly enjoyable lecture on M.E. and CFS. He had the hundreds of staff physicians laughing themselves silly over the invented griefs of the M.E. and CFS patients who according to Dr Wessely had no physical illness what so ever but a lot of misguided imagination. I was appalled at his sheer effectiveness, the amazing control he had over the minds of the staid physicians….His message was very clear and very simple. If I can paraphrase him: “M.E. and CFS are non-existent illnesses with no pathology what-so-ever. There is no reason why they all cannot return to work tomorrow. The next morning I left by car with my crew and arrived in Kelowna British Columbia that afternoon. We were staying at a patient’s house who had severe M.E. with dysautanomia and was for all purposes bed ridden or house bound most of the day. That morning she had received a phone call from her insurance company in Toronto. (Toronto is approximately 2742 miles from Vancouver). The insurance call was as follows and again I paraphrase: “Physicians at a University of British Columbia University have demonstrated that there is no pathological or physiological basis for M.E. or CFS. Your disability benefits have been stopped as of this month. You will have to pay back the funds we have sent you previously. We will contact you shortly with the exact amount you owe us”. That night I spoke to several patients or their spouses came up to me and told me they had received the same message. They were in understandable fear. What is important about this story is that at that meeting it was only Dr Wessely who was speaking out against M.E. and CFS and how … were the insurance companies in Toronto and elsewhere able to obtain this information and get back to the patients within a 24 hour period if Simon Wessely was not working for the insurance industry… I understand that it was also the insurance industry who paid for Dr Wessely’s trip to Vancouver.

I needed a vacation. I needed 5 women. I needed to get the wax out of my ears. My car needed an oil change. I’d failed to file my damned income tax. One of the stems had broken off of my reading glasses. There were ants in my apartment. I needed to get my teeth cleaned. My shoes were run down at the heels. I had insomnia. My auto insurance had expired. I cut myself every time I shaved. I hadn’t laughed in 6 years. I tended to worry when there was nothing to worry about. And when there was something to worry about, I got drunk.

He let out a breath. "How old are you?" he asked, fearful of the answer. "Twenty-five." She gave him a wry smile. "And since you yelled it at Heather, I know you're 'forty fucking years old'." He would have laughed, but he couldn't breathe. Jesus, he'd known she was young, but hearing her actual age..."That's fifteen years." "I can do the math, but you know what else? I'm legal. I can drink. I have decent car insurance since I hit the quarter century mark, and I own this house." she paused. "Well the bank owns most of it, but I qualified for a loan and everything since I have decent credit." Her nose wrinkled. "I'm getting off subject. If the age difference truly bothers you, then I will see you at the shop to finish your tattoo. No hard feelings." He growled softly. Well, something was hard, and it wasn't his feelings.

Cade stood midfield, waiting for Zach to take his place at the line of scrimmage. “When’s the last time you threw a football?” Zach asked worriedly. Aside from the few times Cade had tossed one around casually with friends, a long time. “About twelve years.” Zach threw him a panicked look. “I won’t push it,” Cade said. It wasn’t as if his shoulder was entirely unusable; in fact, on a daily basis it didn’t bother him at all. His rotator cuff simply couldn’t withstand the repetitive stress of competitive football. “I just want to see what I can do.” He pointed emphatically. “And if the answer is ‘not much,’ you better not tell a soul. I’ve got a reputation to uphold here.” Zach smiled, loosening up. “All right. I don’t want to stand in the way of you reliving your glory days or whatever.” “Good. But in case this all goes south, my car keys are in the outside pocket of my duffle bag. When you drive me to the emergency room, if I’m too busy mumbling incoherently from the pain, just tell them I’ve got Blue Cross Blue Shield insurance.” Zach’s eyes went wide. “I’m kidding, Zach. Now get moving.

Insurance Adjuster Tom We have studied your case and we have decided the policy applies. That means you’re entitled to a settlement of $13,600. I see. How did you reach that figure? That’s how much we decided the car was worth. I understand, but what standard did you use to determine that amount? Do you know where I can buy a comparable car for that much? How much are you asking for? Whatever I’m entitled to under the policy. I found a secondhand car just about like it for $17,700. Adding the sales and excise tax, it would come to about $19,000. $19,000! That’s too much! I’m not asking for $19,000 or $18,000 or $20,000, but for fair compensation. Do you agree that it’s only fair I get enough to replace the car? OK, I’ll offer you $15,000. That’s the highest I can go. Company policy. How does the company figure that? Look, $15,000 is all you’ll get. Take it or leave it. $15,000 may be fair. I don’t know. I certainly understand your position if you’re bound by company policy. But unless you can state objectively why that amount is what I’m entitled to, I think I’ll do better in court. Why don’t we study the matter and talk again? Is Wednesday at eleven a good time to talk? . . .

And then he heard it. A loud crash. The Number 22 bus had pulled away from the stop, and another driver in a car trying to get around to turn had collided into the side of the transit vehicle. Finally, Daryl had the nerve to do what every like-minded criminal in Baltimore knows they must. Run and get on the bus for insurance claims. Get a “suitcase,” as some of the old-timer grifters still called phony neck injuries, marrying the word “suit” as in law with “case” as in court. “Suitcase,” the all-purpose secret word for fraud. Amazingly, his erection still held. It was a little painful going up those first bus steps, but so what, it felt even sexier doing a second scam before he’d completely gotten away with the first one. The lucky few passengers on board were already going into their cries of “whiplash,” holding their necks and moaning out loud. He limped to an empty seat and held his knee as if it had been painfully slammed in the impact. Even the bus driver was faking injuries as he called into his dispatcher to report the accident, exaggerating the speed he had been going to make it sound worse. Daryl knew he was surrounded by fellow swindlers and felt, for the first time, part of a community.

In this march through a virtual lifetime, we’ve visited school and college, the courts and the workplace, even the voting booth. Along the way, we’ve witnessed the destruction caused by WMDs. Promising efficiency and fairness, they distort higher education, drive up debt, spur mass incarceration, pummel the poor at nearly every juncture, and undermine democracy. It might seem like the logical response is to disarm these weapons, one by one. The problem is that they’re feeding on each other. Poor people are more likely to have bad credit and live in high-crime neighborhoods, surrounded by other poor people. Once the dark universe of WMDs digests that data, it showers them with predatory ads for subprime loans or for-profit schools. It sends more police to arrest them, and when they’re convicted it sentences them to longer terms. This data feeds into other WMDs, which score the same people as high risks or easy targets and proceed to block them from jobs, while jacking up their rates for mortgages, car loans, and every kind of insurance imaginable. This drives their credit rating down further, creating nothing less than a death spiral of modeling. Being poor in a world of WMDs is getting more and more dangerous and expensive.

If you are stuck in circumstances in which it takes Herculean efforts to get through the day— doing low-income work, obeying an authoritarian boss, buying clothes for the children, dealing with school issues, paying the rent or mortgage, fixing the car, negotiating with a spouse, paying taxes, and caring for older parents— it is not easy to pay close attention to larger political issues. Indeed you may wish that these issues would take care of themselves. It is not a huge jump from such a wish to become attracted to a public philosophy, spouted regularly at your job and on the media, that economic life would regulate itself automatically if only the state did not repeatedly intervene in it in clumsy ways. Now underfunded practices such as the license bureau, state welfare, public health insurance, public schools, public retirement plans, and the like begin to appear as awkward, bureaucratic organizations that could be replaced or eliminated if only the rational market were allowed to take care of things impersonally and quietly, as it were. Certainly such bureaucracies are indeed often clumsy. But more people are now attracted to compare that clumsiness to the myth of how an impersonal market would perform if it took on even more assignments and if state regulation of it were reduced even further. So a lot of “independents” and “moderates” may become predisposed to the myth of the rational market in part because the pressures of daily life encourage them to seek comfort in ideological formations that promise automatic rationality.

If you're involved in a motorcycle accident, this can result in devastating injuries, permanent disability or perhaps put you on on-going dependency on healthcare care. In that case, it's prudent to make use of Los Angeles motorcycle accident attorneys to assist safeguard your legal rights if you are a victim of a motorcycle accident. How a san diego car accident attorney Aids An experienced attorney will help you, if you're an injured motorcycle rider or your family members in case of a fatal motorcycle accident. Hence, a motorcycle accident attorney assists you secure complete and commensurate compensation because of this of accident damages. In the event you go it alone, an insurance coverage company may possibly take benefit and that's why you'll need to have a legal ally by your side till the case is settled to your satisfaction. If well represented after a motorcycle collision, you may get compensation for: Present and future lost income: If just after motor cycle injury you cannot perform and earn as just before, you deserve compensation for lost income. This also applies for a loved ones that has a lost a bread-winner following a fatal motorcycle crash. Existing and future healthcare costs, rehabilitation and therapy: these consist of any health-related fees incurred because of this of the accident. Loss of capability to take pleasure in life, pain and mental anguish: a motorcycle crash can lessen your good quality of life if you cannot stroll, run, see, hear, drive, or ride any longer. That is why specialists in motor cycle injury law practice will help with correct evaluation of your predicament and exercise a commensurate compensation. As a result, usually do not hesitate to speak to Los Angeles motorcycle accident attorneys in case you are involved in a motor cycle accident. The professionals will help you file a case within a timely fashion also as expedite evaluation and compensation. This could also work in your favor if all parties involved agree to an out-of-court settlement, in which case you incur fewer costs.

When Musk took delivery of his F1, CNN was there to cover it. “Just three years ago I was showering at the Y and sleeping on the office floor,” he told the camera sheepishly, “and now obviously, I’ve got a million-dollar car… it’s just a moment in my life.” While other McLaren F1 owners around the world—the sultan of Brunei, Wyclef Jean, and Jay Leno, among others—could comfortably afford it, Musk’s purchase had put a sizable dent in his bank account. And unlike other owners, Musk drove the car to work—and declined to insure it. As Musk drove Thiel up Sand Hill Road in the F1, the car was the subject of their chat. “It was like this Hitchcock movie,” Thiel remembered, “where we’re talking about the car for fifteen minutes. We’re supposed to be preparing for the meeting—and we’re talking about the car.” During their ride, Thiel looked at Musk and reportedly asked, “So, what can this thing do?” “Watch this,” Musk replied, flooring the accelerator and simultaneously initiating a lane change on Sand Hill Road. In retrospect, Musk admitted that he was outmatched by the F1. “I didn’t really know how to drive the car,” he recalled. “There’s no stability systems. No traction control. And the car gets so much power that you can break the wheels free at even fifty miles an hour.” Thiel recalls the car in front of them coming fast into view—then Musk swerving to avoid it. The McLaren hit an embankment, was tossed into the air—“like a discus,” Musk remembered——then slammed violently into the ground. “The people that saw it happen thought we were going to die,” he recalled. Thiel had not worn a seat belt, but astonishingly, neither he nor Musk were hurt. Musk’s “work of art” had not fared as well, having now taken a distinctly cubist turn. Post-near-death experience, Thiel dusted himself off on the side of the road and hitchhiked to the Sequoia offices, where he was joined by Musk a short while later. X.com’s CEO, Bill Harris, was also waiting at the Sequoia office, and he recalled that both Thiel and Musk were late but offered no explanation for their delay. “They never told me,” Harris said. “We just had the meeting.” Reflecting on it, Musk found humor in the experience: “I think it’s safe to say Peter wouldn’t be driving with me again.” Thiel wrung some levity out of the moment, too. “I’d achieved lift-off with Elon,” he joked, “but not in a rocket.

Give us an idea of…” Noya Baram rubs her temples. “Oh, well.” Augie begins to stroll around again. “The examples are limitless. Small examples: elevators stop working. Grocery-store scanners. Train and bus passes. Televisions. Phones. Radios. Traffic lights. Credit-card scanners. Home alarm systems. Laptop computers will lose all their software, all files, everything erased. Your computer will be nothing but a keyboard and a blank screen. “Electricity would be severely compromised. Which means refrigerators. In some cases, heat. Water—well, we have already seen the effect on water-purification plants. Clean water in America will quickly become a scarcity. “That means health problems on a massive scale. Who will care for the sick? Hospitals? Will they have the necessary resources to treat you? Surgical operations these days are highly computerized. And they will not have access to any of your prior medical records online. “For that matter, will they treat you at all? Do you have health insurance? Says who? A card in your pocket? They won’t be able to look you up and confirm it. Nor will they be able to seek reimbursement from the insurer. And even if they could get in contact with the insurance company, the insurance company won’t know whether you’re its customer. Does it have handwritten lists of its policyholders? No. It’s all on computers. Computers that have been erased. Will the hospitals work for free? “No websites, of course. No e-commerce. Conveyor belts. Sophisticated machinery inside manufacturing plants. Payroll records. “Planes will be grounded. Even trains may not operate in most places. Cars, at least any built since, oh, 2010 or so, will be affected. “Legal records. Welfare records. Law enforcement databases. The ability of local police to identify criminals, to coordinate with other states and the federal government through databases—no more. “Bank records. You think you have ten thousand dollars in your savings account? Fifty thousand dollars in a retirement account? You think you have a pension that allows you to receive a fixed payment every month?” He shakes his head. “Not if computer files and their backups are erased. Do banks have a large wad of cash, wrapped in a rubber band with your name on it, sitting in a vault somewhere? Of course not. It’s all data.” “Mother of God,” says Chancellor Richter, wiping his face with a handkerchief.

Collateral Capacity or Net Worth? If young Bill Gates had knocked on your door asking you to invest $10,000 in his new company, Microsoft, could you get your hands on the money? Collateral capacity is access to capital. Your net worth is irrelevant if you can’t access any of the money. Collateral capacity is my favorite wealth concept. It’s almost like having a Golden Goose! Collateral can help a borrower secure loans. It gives the lender the assurance that if the borrower defaults on the loan, the lender can repossess the collateral. For example, car loans are secured by cars, and mortgages are secured by homes. Your collateral capacity helps you to avoid or minimize unnecessary wealth transfers where possible, and accumulate an increasing pool of capital providing accessibility, control and uninterrupted compounding. It is the amount of money that you can access through collateralizing a loan against your money, allowing your money to continue earning interest and working for you. It’s very important to understand that accessibility, control and uninterrupted compounding are the key components of collateral capacity. It’s one thing to look good on paper, but when times get tough, assets that you can’t touch or can’t convert easily to cash, will do you little good. Three things affect your collateral capacity: ① The first is contributions into savings and investment accounts that you can access. It would be wise to keep feeding your Golden Goose. Often the lure of higher return potential also brings with it lack of liquidity. Make sure you maintain a good balance between long-term accounts and accounts that provide immediate liquidity and access. ② Second is the growth on the money from interest earned on the money you have in your account. Some assets earn compound interest and grow every year. Others either appreciate or depreciate. Some accounts could be worth a great deal but you have to sell or close them to access the money. That would be like killing your Golden Goose. Having access to money to make it through downtimes is an important factor in sustaining long-term growth. ③ Third is the reduction of any liens you may have against these accounts. As you pay off liens against your collateral positions, your collateral capacity will increase allowing you to access more capital in the future. The goose never quit laying golden eggs – uninterrupted compounding. Years ago, shortly after starting my first business, I laughed at a banker that told me I needed at least $25,000 in my business account in order to borrow $10,000. My business owner friends thought that was ridiculously funny too. We didn’t understand collateral capacity and quite a few other things about money.

Advantages of Automotive Insurance - you must test these particulars If you are planning to purchase a automotive, it is very important to get your automobile insured. Car insurance is generally executed as a way to defend your automobile from any future threat. Also driving a automobile with none insurance coverage is unlawful in many countries. A automobile insurance coverage principally provide financial safety to the owner against any form of bodily injury to the car or the particular person himself resulting from any type of unpredictable accidents. Another benefit of car insurance coverage is that it provides the automotive proprietor some peace of mind within the sense that they don't have to worry a lot each time driving on the street. This peace of mind is introduced by the fact that the proprietor will Young driver insurance not be fearful a lot about bills associated to accidents. Realists say that the extra you think of something, unhealthy or good, the extra you entice it and therefore enhance the chances of getting it. That is to mean that with the peace of mind, a driver will more than likely be concentrating on driving somewhat than thinking of accidents. This helps in reducing accidents. One of the benefits of getting a car insured is that it helps in defending the individuals inside the automotive. The protection comes in the type of cowl provided in case of an accident. A third get together insurance coverage plan will cowl for the passengers while comprehensive covers everyone inside the automobile including the driver. It is extremely really useful that automotive owners ought to have the great cover to benefit from the full advantages of car insurance. Car insurance coverage protects the car proprietor from unseen bills corresponding to hospital payments ought to there be an accident. It is very important notice that accidents primarily happen at sudden times and due to this fact with out automobile insurance coverage the victim may suffer from large financial bills associated to hospital bills. It is subsequently clear that automotive insurance turns out to be useful to protect automotive house owners from such like expenses.

Kim was twenty-three, single, on her own, and at a job making $27,000 per year. She had recently started her Total Money Makeover. She was behind on credit cards, not on a budget, and barely making her rent because her spending was out of control. She let her car insurance drop because she “couldn’t afford it.” She did her first budget and two days later was in a car wreck. Since it wasn’t bad, the damage to the other guy’s car was only about $550. As Kim looked at me through panicked tears, that $550 might as well have been $55,000. She hadn’t even started Baby Step One. She was trying to get current, and now she had one more hurdle to clear before she even started. This was a huge emergency. Seven years ago George and Sally were in the same place. They were broke with new babies, and George’s career was sputtering. George and Sally fought and scraped through a Total Money Makeover. Today they are debt-free, even their $85,000 home. They have a $12,000 emergency fund, retirement in Roth IRAs, and even the kids’ college is funded. George has grown personally, his career has blossomed, and he now makes $75,000 per year while Sally stays home with the kids. One day a piece of trash flew out of the back of George’s pickup and hit a car behind him on the interstate. The damage was about $550. I think you can see that George and Sally probably adjusted one month’s budget and paid the repairs, while Kim dealt with her wreck for months. The point is that as you get in better shape, it takes a lot more to rock your world. When the accidents occurred, George’s heart rate didn’t even change, but Kim needed a Valium sandwich to calm down. Those true stories illustrate the fact that as you progress through your Total Money Makeover, the definition of an emergency that is worthy to be covered by the emergency fund changes. As you have better health insurance, disability insurance, more room in your budget, and better cars, you will have fewer things that qualify as emergency-fund emergencies. What used to be a huge, life-altering event will become a mere inconvenience.

For years I didn’t realize this because so many others had more. We were surrounded by extreme affluence, which tricks you into thinking you’re in the middle of the pack. I mean, sure, we have twenty-four hundred square feet for only five humans to live in, but our kids have never been on an airplane, so how rich could we be? We haven’t traveled to Italy, my kids are in public schools, and we don’t even own a time-share. (Roll eyes here.) But it gets fuzzy once you spend time with people below your rung. I started seeing my stuff with fresh eyes, realizing we had everything. I mean everything. We’ve never missed a meal or even skimped on one. We have a beautiful home in a great neighborhood. Our kids are in a Texas exemplary school. We drive two cars under warranty. We’ve never gone a day without health insurance. Our closets are overflowing. We throw away food we didn’t eat, clothes we barely wore, trash that will never disintegrate, stuff that fell out of fashion.

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Do you want to be safe, or do you really want to change the world? The conflict is that we want to be brave, we want to take risks . . .but we also want to be safe. The problem is, we can't have it both ways. We want the American dream: to graduate from high school, go college, get a degree, and then what? Find the love of your life and get married. Then what? Get a job. Then what? Buy a car, buy a house, buy life insurance. Then what? Grow old and retire. Then what? ls that it? ls that all there is? In fact, couldn't we just sum up the entire American dream in the single word "safety"? That's what it's all about. No matter what you want out of life, you can achieve it in America in comfort, style, and in the end, safety. But there is a problem. We cannot be safe and take risks at the same time. Eleanor Roosevelt said, 'You gain strength, courage and confidence by every experience in which you really stop to look fear in the face. You must do the thing which you think you cannot do' and 'Do something every day that scares you.' This can get messy. It gets uncomfortable. It means touching people who are dying of diseases. It means going to the filthy slums, the garbage dumps, the places we would never normally go . . . just to reach that one hurting person. So we must answer the question: Do we want to stay safe, or do we want to change the world? We can't have it both ways.

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The 10 best things about the future is that... ... 1. tomorrow it's all in the past 2. we'll get to wear cool uniforms (if we're the bad guys) 3. we'll catch up on our laundry 4. if I accidentally swallow my iPhone I can shit it out with the corn niblets 5. I'll be able to 3D-print my next ex-girlfriend 6. the world will be decimated by nuclear apocalypse and my penis will glow in the dark 7. we'll drive flying cars (and Allstate still won't pay our insurance claims) 8. marijuana will be legal everywhere and tobacco and alcohol will be banned 9. immersive virtual reality technologies will replace bitches, whores and the dollar menu at McDonalds 10. if things don't go as planned, well we can always look forward to the future

Soon after the American left, things changed. The government, desperate for tax dollars, levied a series of boating, gaming, and license fees: To continue fishing, the Mexican must pay $400 for a fishing license, a $200 environmental fee, a $350 game endorsement, and $1,800 in mooring fees. If he doesn’t pay ASAP, the Mexican will be barred from fishing. Unfortunately, after paying all the fees, the Mexican has little money left to insure and license his boat. Unable to legally operate at his favorite coastal town, the Mexican fisherman drives three hours south to another town, where the quality of the fish is poor. The long drive takes its toll on the Mexican’s car, where it ultimately breaks down. In order to fix his car, he needs $200 for a water pump and $400 for a radiator. This is after he pays $600 to get his car towed back to his village. But this story is about to get worse. When the Mexican fails to pay the mooring fees to the harbor master, he loses his boat. The Mexican fisherman who spent most of his days in a state of unpreparedness and merriment—strumming around with his friends, sipping wine—is now unable to support his family. His wife divorces him. The Mexican now sings a different tune with his amigos … something along the lines of “Money can buy happiness.

People employ what economists call “rational ignorance.” That is, we all spend our time learning about things we can actually do something about, not political issues that we can’t really affect. That’s why most of us can’t name our representative in Congress. And why most of us have no clue about how much of the federal budget goes to Medicare, foreign aid, or any other program. As an Alabama businessman told a Washington Post pollster, “Politics doesn’t interest me. I don’t follow it. … Always had to make a living.” Ellen Goodman, a sensitive, good-government liberal columnist, complained about a friend who had spent months researching new cars, and of her own efforts study the sugar, fiber, fat, and price of various cereals. “Would my car-buying friend use the hours he spent comparing fuel-injection systems to compare national health plans?” Goodman asked. “Maybe not. Will the moments I spend studying cereals be devoted to studying the greenhouse effect on grain? Maybe not.” Certainly not —and why should they? Goodman and her friend will get the cars and the cereal they want, but what good would it do to study national health plans? After a great deal of research on medicine, economics, and bureaucracy, her friend may decide which health-care plan he prefers. He then turns to studying the presidential candidates, only to discover that they offer only vague indications of which health-care plan they would implement. But after diligent investigation, our well-informed voter chooses a candidate. Unfortunately, the voter doesn’t like that candidate’s stand on anything else — the package-deal problem — but he decides to vote on the issue of health care. He has a one-in-a-hundred-million chance of influencing the outcome of the presidential election, after which, if his candidate is successful, he faces a Congress with different ideas, and in any case, it turns out the candidate was dissembling in the first place. Instinctively realizing all this, most voters don’t spend much time studying public policy. Give that same man three health insurance plans that he can choose from, though, and chances are that he will spend time studying them. Finally, as noted above, the candidates are likely to be kidding themselves or the voters anyway. One could argue that in most of the presidential elections since 1968, the American people have tried to vote for smaller government, but in that time the federal budget has risen from $178 billion to $4 trillion. George Bush made one promise that every voter noticed in the 1988 campaign: “Read my lips, no new taxes.” Then he raised them. If we are the government, why do we get so many policies we don’t want?

People employ what economists call “rational ignorance.” That is, we all spend our time learning about things we can actually do something about, not political issues that we can’t really affect. That’s why most of us can’t name our representative in Congress. And why most of us have no clue about how much of the federal budget goes to Medicare, foreign aid, or any other program. As an Alabama businessman told a Washington Post pollster, “Politics doesn’t interest me. I don’t follow it. … Always had to make a living.” Ellen Goodman, a sensitive, good-government liberal columnist, complained about a friend who had spent months researching new cars, and of her own efforts study the sugar, fiber, fat, and price of various cereals. “Would my car-buying friend use the hours he spent comparing fuel-injection systems to compare national health plans?” Goodman asked. “Maybe not. Will the moments I spend studying cereals be devoted to studying the greenhouse effect on grain? Maybe not.” Certainly not —and why should they? Goodman and her friend will get the cars and the cereal they want, but what good would it do to study national health plans? After a great deal of research on medicine, economics, and bureaucracy, her friend may decide which health-care plan he prefers. He then turns to studying the presidential candidates, only to discover that they offer only vague indications of which health-care plan they would implement. But after diligent investigation, our well-informed voter chooses a candidate. Unfortunately, the voter doesn’t like that candidate’s stand on anything else — the package-deal problem — but he decides to vote on the issue of health care. He has a one-in-a-hundred-million chance of influencing the outcome of the presidential election, after which, if his candidate is successful, he faces a Congress with different ideas, and in any case, it turns out the candidate was dissembling in the first place. Instinctively realizing all this, most voters don’t spend much time studying public policy. Give that same man three health insurance plans that he can choose from, though, and chances are that he will spend time studying them. Finally, as noted above, the candidates are likely to be kidding themselves or the voters anyway. One could argue that in most of the presidential elections since 1968, the American people have tried to vote for smaller government, but in that time the federal budget has risen from $178 billion to $4 trillion.

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But I've learned that if you fake your death, don't come back. Not for your wife. Not for your girlfriend. Not for your kids. If you fake your death, don't do it at sea. Go for a hike. If you're interested in claiming a life insurance payout, don't get greedy. Keep the policy modest. Don't bother with a stand-in body and an elaborate funeral. Spend your time and money on obtaining quality authenticating documents. In your new life, commit to a disguise for your new identity and use your real first name. Don't google yourself and lead your hunters to your hideout. And for the love of God, don't drive if you're supposed to be dead. Ditch the car.

Imagine that you have to break someone’s arm. Right or left, doesn’t matter. The point is that you have to break it, because if you don’t…well, that doesn’t matter either. Let’s just say bad things will happen if you don’t. Now, my question goes like this: do you break the arm quickly — snap, whoops, sorry, here let me help you with that improvised splint — or do you drag the whole business out for a good eight minutes, every now and then increasing the pressure in the tiniest of increments, until the pain becomes pink and green and hot and cold and altogether howlingly unbearable? Well exactly. Of course. The right thing to do, the only thing to do, is to get it over with as quickly as possible. Break the arm, ply the brandy, be a good citizen. There can be no other answer. Unless. Unless unless unless. What if you were to hate the person on the other end of the arm? I mean really, really hate them. This was a thing I now had to consider. I say now, meaning then, meaning the moment I am describing; the moment fractionally, oh so bloody fractionally, before my wrist reached the back of my neck and my left humerus broke into at least two, very possibly more, floppily joined-together pieces. The arm we’ve been discussing, you see, is mine. It’s not an abstract, philosopher’s arm. The bone, the skin, the hairs, the small white scar on the point of the elbow, won from the corner of a storage heater at Gateshill Primary School — they all belong to me. And now is the moment when I must consider the possibility that the man standingbehind me, gripping my wrist and driving it up my spine with an almost sexual degree of care, hates me. I mean, really, really hates me. He is taking for ever. His name was Rayner. First name unknown. By me, at any rate, and therefore, presumably, by you too. I suppose someone, somewhere, must have known his first name — must have baptised him with it, called him down to breakfast with it, taught him how to spell it — and someone else must have shouted it across a bar with an offer of a drink, or murmured it during sex, or written it in a box on a life insurance application form. I know they must have done all these things. Just hard to picture, that’s all. Rayner, I estimated, was ten years older than me. Which was fine. Nothing wrong with that. I have good, warm, non-arm-breaking relationships with plenty of people who are ten years older than me. People who are ten years older than me are, by and large, admirable. But Rayner was also three inches taller than me, four stones heavier, and at least eight however-you-measure-violence units more violent. He was uglier than a car park, with a big, hairless skull that dipped and bulged like a balloon full of spanners, and his flattened, fighter’s nose, apparently drawn on his face by someone using their left hand, or perhaps even their left foot, spread out in a meandering, lopsided delta under the rough slab of his forehead.

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We'd better get out of here fast," Nadia says, "before anyone notices." "Or before our conman friend wakes up," Autumn says. "I doubt Mr. John Smith will be overjoyed when he wakes up and I, for one, would rather not be around to witness it. I also lifted his mobile phone and his wallet," I tell them with a certain amount of pride. "Hopefully, it means that he won't be able to contact you again, Chantal." "Is his driver's license in his wallet?" I flick through the pockets until I found it. "Yes. His real name is Felix Levare." "Could be another alias." Chantal takes it from me. "But I'll keep that as a little extra insurance anyway," she says. There's a wad of cash in the wallet which I help myself to. "This can all go to a deserving charity," I say, then throw the wallet and the mobile phone into the lake after his car. They also splash satisfyingly and then sink without trace. I press the money into Autumn's hands. "Take it and buy some chocolate for your druggie kids." She takes the cash and pockets it. "Thanks.

Pittsburgh. The late 1930s. Fear was rampant as to where the next meal would come from. There was little in the way of excitement, just the day to day struggle to make ends meet. Little or no surprise existed, and hope was at a low ebb. In the middle of this, a man sold his life insurance policy. He bought a new car, a fur coat for his wife, boxing gloves for his sons, and four full bags of groceries for the family. He drove up the street for the neighborhood to see. The celebration was deafening. That was my father, and he taught me this lesson in scarcity. I never forgot it. Thanks, George.

America is rated 37th in the world for quality of health care. It’s basically a third world country with iPhones and Whole Foods. The American health care system is very similar to insuring a family car - except you’re charged Lamborghini rates. It costs several thousand dollars per year and there’s generally a deductible. Americans can’t wrap their head around a system based on paying less and having everyone covered, because they’re happy to pay more if it means someone else doesn’t get it for free. Fuck Timmy. His parents shouldn’t have had a child if they can’t afford to insure it. This isn’t a village.

Did you know that credit cards automatically give you amazing consumer protection? Here are a few examples you might not know about: ■ Automatic warranty doubling: Most cards extend the warranty on your purchases. So if you buy an iPhone and it breaks after Apple’s warranty expires, your credit card will still cover it up to an additional year. This is true for nearly every credit card for nearly every purchase, automatically. ■ Car rental insurance: If you rent a car, don’t let them sell you on getting the extra collision insurance. It’s completely worthless! You already have coverage through your existing car insurance, plus your credit card will usually back you up to $50,000. ■ Trip-cancellation insurance: If you book tickets for a vacation and then get sick and can’t travel, your airline will charge you hefty fees to rebook your ticket. Just call your credit card and ask for the trip-cancellation insurance to kick in, and they’ll cover those change fees—usually between $3,000 to $10,000 per trip. ■ Concierge services: When I couldn’t find LA Philharmonic tickets, I called my credit card and asked the concierge to try to find some. He called me back in two days with tickets. They charged me (a lot, actually), but he was able to get them when nobody else could.

SALVAGE USED PART Looking for the best OEM (original equipment manufacturer) parts for your vehicle you are at the right place. There could be instances where your vehicle has faced significant damage, maybe regular wear and tear (which is in most cases), or might be an accident (which we wish could be avoided) there is a need for replacement parts. It is scary to know that each year in the US there occur More than six million car accidents and according to the NHTSA, about 6% of all motor vehicle accidents in the United States result in at least one death. The reasons for these accidents could be many but one of the significant being design defects. It is a well-known fact that automobiles have hundreds of parts, and any of those defective parts can cause a serious car accident. It may sound easy to visit the mechanic and get it done, but in actuality, there are various factors to be considered to claim the insurance in full.

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Do you have any regrets?” Still, I looked at the sea. Regrets. Who hasn’t looked back and considered the road not taken? We’re not handed an itinerary when we start out. Most of us get where we’re going by accident. A kind word from a math teacher, and the student aims, knowingly or not, toward engineering. A thoughtless rebuke and the young violinist surrenders his dream. If we’re lucky, we take a path where we can do some good along the way. My first career had little social utility, other than providing televised entertainment interrupted by sixty-second accolades to the glory of various beers, cars, and insurance companies. My second career has even less. Now, I’m one of the players in a game where justice is dispensed nearly as often as the Red Sea is parted. Regrets. I wish I’d been faster then, smarter now. I wish I could paint a picture or build a bridge. I wish there was a woman—just one— who had lasted. A best friend and only lover, a soulmate, not a cellmate. After a moment, I said, “We all have our regrets.

Poor Soul told me that if everyone were to pray quickly for protection from the Poor Souls and his Guardian Angel and would use holy water regularly before driving off in his car, 80% of all car accidents would NOT happen.  80%!  That would put many insurance

Long story short, it's hard to get car insurance when you're a zombie.

The truth is that I'm a bad person. But, that's gonna change - I'm going to change. This is the last of that sort of thing. Now I'm cleaning up and I'm moving on, going straight and choosing life. I'm looking forward to it already. I'm gonna be just like you. The job, the family, the fucking big television. The washing machine, the car, the compact disc and electric tin opener, good health, low cholesterol, dental insurance, mortgage, starter home, leisure wear, luggage, three piece suite, DIY, game shows, junk food, children, walks in the park, nine to five, good at golf, washing the car, choice of sweaters, family Christmas, indexed pension, tax exemption, clearing gutters, getting by, looking ahead, the day you die.

isn’t a vehicle subscription just another word for a lease? Well, no. A lease still binds you to a specific vehicle, whereas a subscription can potentially offer you access to a range of vehicles. “Simply flip between vehicles via the app as your needs change,” says Porsche on its website. You’re signing up with the company, not the car. Another difference: With subscriptions, all the potentially annoying aspects of owning a vehicle (registration, insurance, maintenance) simply go away. With leases, you still have to get your own insurance. Also, many car subscriptions give you the option to subscribe on a month-to-month basis. As Christina Bonnington of Slate notes, “You could theoretically not have a car for ten months of the year when you’re working and using public transit and then get a car subscription for two months when you’ll be travelling more often.

Here’s an example from the test Marty and his students developed to distinguish optimists from pessimists: Imagine: You can’t get all the work done that others expect of you. Now imagine one major cause for this event. What leaps to mind? After you read that hypothetical scenario, you write down your response, and then, after you’re offered more scenarios, your responses are rated for how temporary (versus permanent) and how specific (versus pervasive) they are. If you’re a pessimist, you might say, I screw up everything. Or: I’m a loser. These explanations are all permanent; there’s not much you can do to change them. They’re also pervasive; they’re likely to influence lots of life situations, not just your job performance. Permanent and pervasive explanations for adversity turn minor complications into major catastrophes. They make it seem logical to give up. If, on the other hand, you’re an optimist, you might say, I mismanaged my time. Or: I didn’t work efficiently because of distractions. These explanations are all temporary and specific; their “fixability” motivates you to start clearing them away as problems. Using this test, Marty confirmed that, compared to optimists, pessimists are more likely to suffer from depression and anxiety. What’s more, optimists fare better in domains not directly related to mental health. For instance, optimistic undergraduates tend to earn higher grades and are less likely to drop out of school. Optimistic young adults stay healthier throughout middle age and, ultimately, live longer than pessimists. Optimists are more satisfied with their marriages. A one-year field study of MetLife insurance agents found that optimists are twice as likely to stay in their jobs, and that they sell about 25 percent more insurance than their pessimistic colleagues. Likewise, studies of salespeople in telecommunications, real estate, office products, car sales, banking, and other industries have shown that optimists outsell pessimists by 20 to 40 percent.

When Mom says “bong,” she means her nebulizer. It turns water into vapor, and she huffs it all day like a singer breathing hot mist before a performance. Except Mom’s machine is handheld. I’m surprised she doesn’t carry it in a gun sling. But my mom is not just inhaling water. “Let’s get some colloidal silver in those lungs,” she says. Second to prayer, colloidal silver is Mom’s insurance policy on life. She makes her own, soaking two silver rods in a glass vat of water that sits next to her kitchen sink. I’ll let her explain it. This is from one of her emails telling me how to live forever: “I use distilled water and 99% pure silver rods. The rods are connected to a positive and negative charge (think of a jumper cable for your car) and they are immersed in the distilled water. Some people leave the rods in the water 2–4 hours. I leave mine in for 8–12 hours so my silver water is extra strength and powerful…I drink ¼ cup colloidal silver in a glass of water before bed, and have for years and years. RARELY am I ever sick. I take a bottle of colloidal silver on every trip (especially overseas) in case I pick up a stomach bug or am around anyone who is sick. I use it on wounds, use it for pink eye, ear infections, the flu, and more because it kills over 600 viruses and most bacteria, including MRSA. There are also studies that show the benefits of colloidal silver against cancer.” Every time I’m home, she gives me a bottle of the stuff to take back to Los Angeles. I, like a good millennial, googled its effectiveness. The scientific establishment seems to believe that colloidal silver does approximately nothing good, and in large quantities, some bad. Perhaps you’ve seen the viral meme of the old blue man? He consumed so much colloidal silver that his skin dyed blue from the inside. He looks like a Smurf with a white beard. Well, he looked like a Smurf. He’s dead. Maybe from something common like heart failure, but… When I told my mother this, she wouldn’t hear it. “I know it works. I’ve been using it for years. I don’t care what those articles say. I’ve read hundreds of articles about it.

Unfortunately, the Bull that gilded Renaissance New York did little for most Americans. Eighties Wall Street was about institutional money released by deregulation, mergers and acquisitions, and, most of all, the debt that made it all possible. As John Kenneth Galbraith points out, financial euphoria always starts with new ways to borrow money; this time it was triggered by the Savings & Loan crisis. Volcker’s rocketing interest rates had forced S&Ls to offer double digits to new depositors while only getting back single digits on the old thirty-year mortgages on their books. S&Ls were going under, and getting a mortgage was nearly impossible, so in March 1980, with the banking system and the housing market on the brink, Carter had signed a law to allow them to issue credit cards, invest in commercial real estate, and offer checking accounts in order to stay in business. Reagan then took it a step further with a change that encouraged S&Ls to sell their mortgages in search of higher returns, freeing up a $1 trillion that needed to be invested in something. Which takes us back to Salomon Brothers, where in 1978 one Lew Ranieri had repackaged an old investment product the government had clamped down on during the Depression: A group of home mortgages all backed by government insurance would be bundled together, then sliced into bonds, thus converting the debt some people owed on their homes into an asset for others. Ranieri had been a bit ahead of the curve then—the same high interest rates that killed the S&Ls also made his bonds unattractive—but now deregulation let Salomon buy up the S&Ls’ mortgages at a deep discount, bundle them into bonds, and sell them back to the S&Ls who believed they’d diversified into the bond market when in fact they’d just bought ground meat made out of their own steaks. In June 1983, Salomon Brothers and Freddie Mac together issued the first collateralized mortgage obligation bonds (CMOs), which bundled up debt and cut it into tranches based on the amount of risk: you could choose between ground chuck and ground sirloin. It would be years before technology would allow doing this on a huge scale, but the immediate impact was that all kinds of debt, not just mortgages, were bundled, cut into bonds, and sold: credit card debt, car loans, you name it. Between 1983 and 1988, some $60 billion of CMOs were sold; GM’s financing arm became more profitable than its cars. America began to make debt instead of things. The

We are already seeing car insurance premiums linked to tracking devices in cars, and health insurance coverage that depends on people wearing a fitness tracking device. When surveillance is used to determine things that hold sway over important aspects of life, such as insurance coverage or employment, it starts to appear less benign. Moreover, data analysis can reveal surprisingly intrusive things: for example, the movement sensor in a smartwatch or fitness tracker can be used to work out what you are typing (for example, passwords) with fairly good accuracy [98]. And algorithms for analysis are only going to get better.

I am on Aid to Families with Dependent Children, and both my children are in school. . . . I have graduated from college with distinction, 128th in a class of over 1000, with a B.A. in English and sociology. I have experience in library work, child care, social work and counseling. I have been to the CETA office. They have nothing for me. . . . I also go every week to the library to scour the newspaper Help Wanted ads. I have kept a copy of every cover letter that I have sent out with my resume; the stack is inches thick. I have applied for jobs paying as little as $8000 a year. I work part-time in a library for $3.50 an hour, welfare reduces my allotment to compensate. . . . It appears we have employment offices that can’t employ, governments that can’t govern and an economic systemthat can’t produce jobs for people ready to work. . . . Last week I sold my bed to pay for the insurance on my car, which, in the absence of mass transportation, I need to go job hunting. I sleep on a piece of rubber foamsomebody gave me. So this is the great American dream my parents came to this country for: Work hard, get a good education, follow the rules, and you will be rich. I don’t want to be rich. I just want to be able to feed my children and live with some semblance of dignity. . . .

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.

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Walking this earth provides great healing meditation, but I'll go back to driving once I get my car insurance renewed.

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When Warren was a little boy fingerprinting nuns and collecting bottle caps, he had no knowledge of what he would someday become. Yet as he rode his bike through Spring Valley, flinging papers day after day, and raced through the halls of The Westchester, pulse pounding, trying to make his deliveries on time, if you had asked him if he wanted to be the richest man on earth—with his whole heart, he would have said, Yes. That passion had led him to study a universe of thousands of stocks. It made him burrow into libraries and basements for records nobody else troubled to get. He sat up nights studying hundreds of thousands of numbers that would glaze anyone else’s eyes. He read every word of several newspapers each morning and sucked down the Wall Street Journal like his morning Pepsi, then Coke. He dropped in on companies, spending hours talking about barrels with the woman who ran an outpost of Greif Bros. Cooperage or auto insurance with Lorimer Davidson. He read magazines like the Progressive Grocer to learn how to stock a meat department. He stuffed the backseat of his car with Moody’s Manuals and ledgers on his honeymoon. He spent months reading old newspapers dating back a century to learn the cycles of business, the history of Wall Street, the history of capitalism, the history of the modern corporation. He followed the world of politics intensely and recognized how it affected business. He analyzed economic statistics until he had a deep understanding of what they signified. Since childhood, he had read every biography he could find of people he admired, looking for the lessons he could learn from their lives. He attached himself to everyone who could help him and coattailed anyone he could find who was smart. He ruled out paying attention to almost anything but business—art, literature, science, travel, architecture—so that he could focus on his passion. He defined a circle of competence to avoid making mistakes. To limit risk he never used any significant amount of debt. He never stopped thinking about business: what made a good business, what made a bad business, how they competed, what made customers loyal to one versus another. He had an unusual way of turning problems around in his head, which gave him insights nobody else had. He developed a network of people who—for the sake of his friendship as well as his sagacity—not only helped him but also stayed out of his way when he wanted them to. In hard times or easy, he never stopped thinking about ways to make money. And all of this energy and intensity became the motor that powered his innate intelligence, temperament, and skills.

Zero Line Spender, Saver, Wealth Creator Your financial personality type determines your financial position in life. Let’s say there is a zero financial line that represents a position where you owe nothing and have nothing. Perhaps you can remember those days getting started on your own. So, let us assume you just graduated from college and you’re one of the lucky few who graduated at the zero line, you owe nothing. Pretty amazing considering that in 2013, the debt on student loans exceeded all credit card debt owed in America. But fortunately, you made it out free and clear to the zero line. You’re a “Spender” so you go to the showroom and pick one out. With your job and the car as collateral, you get a car loan and you drop below the zero line. You lifestyle gets more and more expensive and since you are a ‘Spender” you probably take on credit card debt to help finance your lifestyle desires. You are constantly working your way back to becoming a zero, financially speaking. Then, you get married and now there are two in debt working their way back to zero. Eventually, children come along, and the odds of being able to put away enough money to pay your debt and interest and live on the top side of the zero line are becoming virtually impossible. Unfortunately, many Americans live in this position with little or no chance of ever living debt free. When something comes along that requires their savings, they must deplete their funds in order to avoid paying interest and then they must start saving again for their next expense. They are constantly returning to the zero line. The money they have accumulated is compounding interest, giving them uninterrupted growth. Having access to capital allows them to negotiate more favorable loans by collateralizing against their accounts rather than depleting them. They make payments to the lending institution with dollars from their current cash flow, protecting the growth of the money they have saved and invested for their future. Saving and investing with uninterrupted compounding is an important wealth concept for moving further and further away from the zero line.

Tax-Deferred does not mean Tax-Free It never ceases to amaze me when I meet with people who do not know that tax-deferred does not mean tax-free. You mean I have to pay taxes when I take this money!? This is not all mine!? These are common remarks I hear as we are looking at their most recent retirement account statement. Somehow this consideration was missed when they enrolled in the savings plan and each year when they postponed the tax when filing their tax return. I am not a tax professional but I can understand how an accountant or tax preparer wouldn’t think to make sure the client understands that they are postponing taxes and the tax calculation during their working years. I met an accountant that expressed how difficult it is when he gets the client that believed they were ready to leave work only to find out that because of taxes they are coming up a little or a lot short. This happened to one of my relatives that worked at least 30 years as an x-ray technician and then supervisor at a very large hospital. While working, they always had the nice houses, the nice cars, and a nice upper-middle class lifestyle, nothing fancy. After he retired and even though his wife still worked as a school principal, he had to take a sales clerk job at a nearby liquor store so that his family could maintain their lifestyle. I will never forget other relatives joking and laughing about him miscalculating his retirement. I’m certain that his unsuccessful retirement and that of other relatives influenced my interest in retirement planning if for no one else but me. With a limited amount of retirement income, most retirees would prefer to keep their dollars rather than give them to Uncle Sam. Even those with an unlimited source of funds don’t want to pay more taxes than necessary. Fortunately, there are some ways to decrease your tax burden once you’ve done the obvious work of ensuring you’ve taken all the deductions and credits to which you’re entitled when you file your taxes.

All the same, Kiev was a melancholy city. Its defining features were failures, absences. Some were obvious: only one supermarket (dollars only), few private cars (six at an intersection counted as a traffic jam), a joke of a postal service (to send a letter, one went to the railway station, and handed it to a friendly face going in the right direction). Others one only felt the force of after a time. With benefits and pensions virtually non-existent, the crudest health care (drugs had to be paid for; doctors wanted bribes), and no insurance (a few private firms had sprung up, but nobody trusted them with their money), Kievans were living lives of a precariousness unknown in the West, destitution never more than an illness or a family quarrel away. It showed in their wiry bodies and pinched, alert, Depression-era faces; the faces of people who get by on cheap vodka and stale cigarettes, and know they have to look after themselves, for nobody else will do it for them.

Dollars to donuts you’re looking at ODs there,” said Kemper, pointing to some young people getting out of cars and heading to one of the gravesites. “Over eighty thousand people in America this year alone,” she added. “More than died in Vietnam and the wars in the Middle East combined. And far more than die in traffic accidents or by guns, and it’s only getting worse. Next year we’ll probably be looking at over a hundred thousand dead. The opioid crisis is actually responsible for the life expectancy in this country starting to go down. Can you wrap your head around that? Nearly a half million dead since 2000. Drug overdoses are the leading cause of death for Americans under age fifty. We had a recent study done at DEA. Life insurance companies value a human life at about five million bucks. Using that number and other factors, our people projected the economic loss to the country each year due to the opioid crisis at about a hundred billion dollars. A third of the population is on medication for pain. And they’re not getting addicted on street corners. They’re getting addicted at their doctors’ offices.” “From prescription painkillers.