How Insurance Quotes

THE WORLD IS increasingly designed to depress us. Happiness isn’t very good for the economy. If we were happy with what we had, why would we need more? How do you sell an anti-ageing moisturiser? You make someone worry about ageing. How do you get people to vote for a political party? You make them worry about immigration. How do you get them to buy insurance? By making them worry about everything. How do you get them to have plastic surgery? By highlighting their physical flaws. How do you get them to watch a TV show? By making them worry about missing out. How do you get them to buy a new smartphone? By making them feel like they are being left behind. To be calm becomes a kind of revolutionary act. To be happy with your own non-upgraded existence. To be comfortable with our messy, human selves, would not be good for business.

There's a reason we refer to "leaps of faith" - because the decision to consent to any notion of divinity is a mighty jump from the rational over to the unknowable, and I don't care how diligently scholars of every religion will try to sit you down with their stacks of books and prove to you through scripture that their faith is indeed rational; it isn't. If faith were rational, it wouldn't be - by definition - faith. Faith is belief in what you cannot see or prove or touch. Faith is walking face-first and full-speed into the dark. If we truly knew all the answers in advance as to the meaning of life and the nature of God and the destiny of our souls, our belief would not be a leap of faith and it would not be a courageous act of humanity; it would just be... a prudent insurance policy.

I tried to warn you, But girls never listen. Got your innocence insured? ’Cause it’s ’bout to be stolen Right out from under your nose. Prepare to curl your toes. I’ve got a one-track mind. You’ve got a nice behind. Chorus: I had a good thing goin’ All numb in my shell, Then you took me by surprise And now I’m scared as hell. I don’t wanna feel for you, I don’t wanna feel. If feeling means hurting, Then I don’t wanna be real. You crank up my lust, girl, You tame down my rage. You let your inner vixen Roam out of her cage. The moment our lips met I saw it in your eyes, But you were seeing me, too, I now realize. Chorus What do I want from you? I want everything. And I’m not gonna share— This ain’t a casual fling. You can be my bad girl, I’ll even be your good boy. How’d the tables get turned? F*** it, I’ll be your love toy.

I want you, Elsie. All the time. I think of you. All. The. Fucking. Time. I’m distracted. I’m shit at work. And my first instinct, the very first time I saw you, was to run away. Because I knew that if we’d start doing this, we would never stop. And that’s exactly how it is. There is no universe in which I’m going to let you go. I want to be with you, on you, every second of every day. I think – I dream of crazy things. I want you to marry me tomorrow so you can go on my health insurance. I want to lock you in my room for a couple of weeks. I want to buy groceries based on what you like. I want to play it cool, like I’m attracted to you and not obsessed out of my mind, but that’s not where I’m at. Not at all. And I need you to keep us in check. I need you to pace us, because wherever it is that we’re going… I’m here. I’m already right here.

Fear and shame are the backbone of my self-control. They are my source of inspiration, my insurance against becoming entirely unacceptable. They help me do the right thing. And I am terrified of what I would be without them. Because I suspect that, left to my own devices, I would completely lose control of my life. I'm still hoping that perhaps someday I'll learn how to use willpower like a real person, but until that very unlikely day, I will confidently battle toward adequacy, wielding my crude skill set of fear and shame.

I started thinking about life insurance and how nice it would be if you could get insurance that your life would be happy, and that everyone you knew could be happy, and they could all do what they really wanted to do, and they could all find the people they wanted to find.

What I didn’t say was: I know you too well. You live your life idealistically. You think it’s possible to opt out of the system. No regular income, no health insurance. You quit jobs on a dime. You think this is freedom but I still see the bare, painstakingly cheap way you live, the scrimping and saving, and that is not freedom either. You move in circumscribed circles. You move peripherally, on the margins of everything, pirating movies and eating dollar slices. I used to admire this about you, how fervently you clung to your beliefs—I called it integrity—but five years of watching you live this way has changed me. In this world, money is freedom. Opting out is not a real choice.

My mother always says that the story you believe depends on the body you're in. What you believe will depend on the color of your hair, your word for god, how many times you've been born, your zip code, whether you have health insurance, what your first language is, and how many snakes you have known personally.

He was a simple honest man. He never strayed, He never drank, he never smoked, and he never kissed a maid. And when he passed away his insurance was denied, Because he never lived, they claimed he never died.

Why did her family think pachinko was so terrible? Her father, a traveling salesman, had sold expensive life insurance policies to isolated housewives who couldn't afford them, and Mozasu created spaces where grown men and women could play pinball for money. Both men had made money from chance and fear and loneliness. Every morning, Mozasu and his men tinkered with the machines to fix the outcomes--there could only be a few winners and a lot of losers. And yet we played on, because we had hope that we might be the lucky ones. How could you get angry at the ones who wanted to be in the game? Etsuko had failed in this important way--she had not taught her children to hope, to believe in the perhaps-absurd possibility that they might win. Pachinko was a foolish game, but life was not.

Friendship is a real-deal insurance policy against the hurricanes of life—and there’s social-science evidence that the hard stuff seems less difficult with a good friend by your side.

I know how it goes! We all age out of our parents' insurance, and all of a sudden your friends stop having time to hang out because they have a person and that's their best friend now, and they have a kid, and they move to the suburbs and you never see them again because you're a lonely old spinster-

This is the legend of Cassius Clay, The most beautiful fighter in the world today. He talks a great deal, and brags indeed-y, of a muscular punch that's incredibly speed-y. The fistic world was dull and weary, But with a champ like Liston, things had to be dreary. Then someone with color and someone with dash, Brought fight fans are runnin' with Cash. This brash young boxer is something to see And the heavyweight championship is his des-tin-y. This kid fights great; he’s got speed and endurance, But if you sign to fight him, increase your insurance. This kid's got a left; this kid's got a right, If he hit you once, you're asleep for the night. And as you lie on the floor while the ref counts ten, You’ll pray that you won’t have to fight me again. For I am the man this poem’s about, The next champ of the world, there isn’t a doubt. This I predict and I know the score, I’ll be champ of the world in ’64. When I say three, they’ll go in the third, 10 months ago So don’t bet against me, I’m a man of my word. He is the greatest! Yes! I am the man this poem’s about, I’ll be champ of the world, there isn’t a doubt. Here I predict Mr. Liston’s dismemberment, I’ll hit him so hard; he’ll wonder where October and November went. When I say two, there’s never a third, Standin against me is completely absurd. When Cassius says a mouse can outrun a horse, Don’t ask how; put your money where your mouse is! I AM THE GREATEST!

all the poets wanted to get disability insurance it was better than immortality.

The Buddha referred to married people as “householders.” He even gave clear instructions as to how one should be a good householder: Be nice to your spouse, be honest, be faithful, give alms to the poor, buy some insurance against fire and flood . . . I’m dead serious: The Buddha literally advised married couples to buy property insurance.

You told me trees could speak and the only reason one heard silence in the forest was that they had all been born knowing different languages. That night I went into the forest to bury dictionaries under roots, so many books in so many tongues as to insure speech. and now this very moment, the forest seems alive with whispers and murmurs and rumblings of sound wind-rushed into my ears. I do not speak any language that crosses the silence around me but how soothing to know that the yearning and grasping embodied in trees’ convoluted and startling shapes is finally being fulfilled in their wind shouts to each other. Yet we who both speak English and have since we were born are moving ever farther apart even as branch tips touch.

When the Crossfire paradigm loses its force, all that's left is a bunch of people with different views all sitting together in a room, wondering why they're all paying three bucks a gallon for gas, why they have no health insurance, why their tax rates are higher than Warren Buffet's. If we're all equally a bunch of suckers, how could any of us be worth hating?

Seeing modern health care from the other side, I can say that it is clearly not set up for the patient. It is frequently a poor arrangement for doctors as well, but that does not mitigate how little the system accounts for the patient's best interest. Just when you are at your weakest and least able to make all the phone calls, traverse the maze of insurance, and plead for health-care referrals is that one time when you have to — your life may depend on it.

Apart from stemming consumption, the most intractable puzzle that Paul Ehrlich has encountered is why health decisions about Mother Nature—the mother that gives us life and breath—are made by politicians, not by scientists who know how critical her condition is. “It’s the immoral equivalent of insurance company accountants making decisions about our personal health.” Even

I see ridiculous stories about my butt, like how it has been insured. I feel like saying, "Hey, everyone has a butt. It's not that big a deal!" But I suppose it's flattering. Personally, I've always loved the curvy look. Even when I was a little girl and all my friends would be like, "Oh, my god, your butt's so big." And I'd say, "I love it.

If you look at how the federal government spends our money, it’s an insurance conglomerate protected by a large, standing army.

government may well end up being the insurance provider of last resort, placing the burden of insuring those deemed high risk by private companies on the taxpayers

When I asked the mayor if flood insurance rates had gone up after Sandy, he said, “Not really.” This is how disaster relief works in America. There are lots of incentives to rebuild but few incentives to rebuild differently, much less to rethink the long-term future of cities and towns along the coast.

There is no better insurance than the knowledge of how to do something the right way. There is no greater peace of mind than knowing you did it the right way.

I know how it goes! We all age out of our parents' insurance, and all of a sudden your friends stop having time to hang out because they have a person and that's their best friend now, and they have a kid, and they move to the suburbs and you never see them again because you're a lonely old spinster-

The forward to the landmark 1980 DSM III was appropriately modest and acknowledged that this diagnostic system was imprecise. So imprecise that it never should be used for forensic or insurance purposes. As we will see that modesty was tragically short lived.

Time travel? I believe there are people regularly travelling back from the future and interfering with our lives on a daily basis. The evidence is all around us. I’m talking about how every time we make an insurance claim we discover that somehow mysteriously the exact thing we’re claiming for is now precisely excluded from our policy.

You will even read about an insurance company owned by one of America’s most admired billionaires that asked a paralyzed man to die because the cost of keeping him alive was cutting into the insurer’s profits.

If a person leads an ‘active’ life, as Wiggs had, if a person has goals, ideals, a cause to fight for, then that person is distracted, temporarily, from paying a whole lot of attention to the heavy scimitar that hangs by a mouse hair just about his or her head. We, each of us, have a ticket to ride, and if the trip be interesting (if it’s dull, we have only ourselves to blame), then we relish the landscape (how quickly it whizzes by!), interact with our fellow travelers, pay frequent visits to the washrooms and concession stands, and hardly ever hold up the ticket to the light where we can read its plainly stated destination: The Abyss. Yet, ignore it though we might in our daily toss and tussle, the fact of our impending death is always there, just behind the draperies, or, more accurately, inside our sock, like a burr that we can never quite extract. If one has a religious life, one can rationalize one’s slide into the abyss; if one has a sense of humor (and a sense of humor, properly developed, is superior to any religion so far devised), one can minimalize it through irony and wit. Ah, but the specter is there, night and day, day in and day out, coloring with its chalk of gray almost everything we do. And a lot of what we do is done, subconsciously, indirectly, to avoid the thought of death, or to make ourselves so unexpendable through our accomplishments that death will hesitate to take us, or, when the scimitar finally falls, to insure that we ‘live on’ in the memory of the lucky ones still kicking.

If you find a stock with little or no institutional ownership, you’ve found a potential winner. Find a company that no analyst has ever visited, or that no analyst would admit to knowing about, and you’ve got a double winner. When I talk to a company that tells me the last analyst showed up three years ago, I can hardly contain my enthusiasm. It frequently happens with banks, savings-and-loans, and insurance companies, since there are thousands of these and Wall Street only keeps up with fifty to one hundred.

the top causes of stress in the U.S. have been identified by scientists at Stanford Graduate School of Business in a major study. They are “a lack of health insurance, the constant threat of lay-offs, lack of discretion and autonomy in decision-making, long working hours, low levels of organizational justice, and unrealistic demands.

I don't want to tell you how much auto insurance I carry with the Prudential, but all I can say is: when I go, they go too.

But that's why you pay for insurance, right? If you never file a claim, then they've beaten you.

Nature doesn’t have puts on one side and calls on the other side of the same things, nor does it waste energy betting against the same life it works to cultivate. Nature doesn’t insure high risk gambles by trying to be both the casino and the player. Instead, nature insures capital and profits through a variety of complimentary approaches. At Mayflower-Plymouth we aim to emulate nature in this way with how we approach investing and asset management.

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.

At the time, the Federal Housing Administration and Veterans Administration not only refused to insure mortgages for African Americans in designated white neighborhoods like Ladera; they also would not insure mortgages for whites in a neighborhood where African Americans were present.

As you progress with your sadhana you may find it necessary to change your occupation. Or you may find that it is only necessary to change the way in which you perform your current occupation in order to bring it into line with your new understanding of how it all is. The more conscious that a being becomes, the more he can use any occupation as a vehicle for spreading light. The next true being of Buddha-nature that you meet may appear as a bus driver, a doctor, a weaver, an insurance salesman, a musician, a chef, a teacher, or any of the thousands of roles that are required in a complex society—the many parts of Christ’s body. You will know him because the simple dance that may transpire between you—such as handing him change as you board the bus—will strengthen in you the faith in the divinity of man. It’s as simple as that.

She described her new treatment with a topical chemotherapy that came in the form of a potent cream that she applied, wearing gloves, to burn off the cancerous areas—then she produced a package of the stuff from the bathroom so I could see how mundane this lifesaving medication looked. I blinked in disbelief as she held up what resembled a tube of toothpaste, and explained that each one cost over two thousand dollars. Or that’s what it would cost, if not for the insurance she had purchased through the health insurance exchanges that had been set up as part of Obamacare. I thought—and spoke—of that moment often, later, as I talked about why health policy was not a theoretical question for our family.

These “reform” measures effectively killed democracy in the American South. Even though African Americans constituted a majority or near-majority of the population in many states, and even though black suffrage was now enshrined in the Constitution, “legal” or neutral-sounding measures were used to “insure that the Southern electorate…would be almost all white.

Where there were once several competing approaches to medicine, there is now only one that matters to most hospitals, insurers, and the vast majority of the public. One that has been shaped to a great degree by the successful development of potent cures that followed the discovery of sulfa drugs. Aspiring caregivers today are chosen as much (or more) for their scientific abilities, their talent for mastering these manifold technological and pharmaceutical advances as for their interpersonal skills. A century ago most physicians were careful, conservative observers who provided comfort to patients and their families. Today they act: They prescribe, they treat, they cure. They routinely perform what were once considered miracles. The result, in the view of some, has been a shift in the profession from caregiver to technician. The powerful new drugs changed how care was given as well as who gave it.

As we chatted, cracking the expected jokes at Danita’s expense, I thought about how Danita let her search for the real her take a physical shape while mine seemed to be taking a more internal shape. At least with my exploration, I didn’t have to worry about how I’m going to pay for it, since just like cosmetic surgery isn’t covered by most insurance plans,neither is searching for your true sexuality.

In today’s competitive economy, it’s not enough to simply do your job well. Developing a reputation as an expert in your field attracts people who want to hire you, do business with you and your company, and spread your ideas. It’s the ultimate form of career insurance.

And how many people have you killed?” “Zero,” I told her, appalled. “How many people have you killed?” “Hey, I’m Human.” “Humans kill all the time.” “Yeah, but indirectly. By making health insurance too expensive or stubbornly opposing gun control. You guys suck people dry to survive?

From the beginning, Europe assumed the power to make decisions within the international trading system. An excellent illustration of that is the fact that the so-called international law which governed the conduct of nations on the high seas was nothing else but European law. Africans did not participate in its making, and in many instances, African people were simply the victims, for the law recognized them only as transportable merchandise. If the African slave was thrown overboard at sea, the only legal problem that arose was whether or not the slave ship could claim compensation from the insurers! Above all, European decision-making power was exercised in selecting what Africa should export – in accordance with European needs.

He thought of how convincingly he could describe this scene to friends and make them envy the fullness of his contentment. Why couldn't he convince himself? He had everything he'd ever wanted. He had wanted superiority--and for the last year he had been the undisputed leader of his profession. He had wanted fame--and he had five thick albums of clippings. He had wanted wealth--and he had enough to insure luxury for the rest of his life. He had everything anyone ever wanted. How many people struggled and suffered to achieve what he had achieved? How many dreamed and bled and died for this, without reaching it?

The world THE WORLD IS increasingly designed to depress us. Happiness isn’t very good for the economy. If we were happy with what we had, why would we need more? How do you sell an anti-ageing moisturiser? You make someone worry about ageing. How do you get people to vote for a political party? You make them worry about immigration. How do you get them to buy insurance? By making them worry about everything. How do you get them to have plastic surgery? By highlighting their physical flaws. How do you get them to watch a TV show? By making them worry about missing out. How do you get them to buy a new smartphone? By making them feel like they are being left behind. To be calm becomes a kind of revolutionary act. To be happy with your own non-upgraded existence. To be comfortable with our messy, human selves, would not be good for business. Yet we have no other world to live in. And actually, when we really look closely, the world of stuff and advertising is not really life. Life is the other stuff. Life is what is left when you take all that crap away, or at least ignore it for a while. Life is the people who love you. No one will ever choose to stay alive for an iPhone. It’s the people we reach via the iPhone that matter. And once we begin to recover, and to live again, we do so with new eyes. Things become clearer, and we are aware of things we weren’t aware of before.

Why do you need to be pleasant within? The answer is self-evident. When you are in a pleasant inner state, you are naturally pleasant to everyone and everything around you. No scripture or philosophy is needed to instruct you to be good to others. It is a natural outcome when you are feeling good within yourself. Inner pleasantness is a surefire insurance for the making of a peaceful society and a joyful world. Besides, your success in the world depends essentially on how well you harness the prowess of the body and mind. So, in order to achieve success, pleasantness has to be the fundamental quality within you.

In what census of living creatures, the dead of mankind are include...how it is that to his name who yesterday departed for the other world, we prefix so significant and infidel a word, and yet do not thus entitle him, if he but embarks for the remotest Indies of this living Earth; why the Life Insurance Companies pay death forfeitures upon immortals; in what eternal, unstirring paralysis, and deadly hopeless trance, yet lies antique Adam, who died sixty round centuries ago; how it is that we still refuse to be comforted for those who we nevertheless maintain are dwelling in unspeakable bliss; why all the living so strive to hush all the dead; wherefore but the rumour of a knocking in a tomb will terrify a whole city. All these things are not without their meanings.

The British people have been nothing but data since William I carried out the first census for the Domesday book in 1086,” he began. “All we are, and all we have ever been, are statistics, so let’s not pretend this is a catastrophic crisis that risks tearing apart the very moral fibre of our society. How do you think you are approved for credit cards and loans? How are decisions made on what you pay for insurance? How do we decide the number of immigrants allowed into our country? Acquired data. All that’s happened here is that we’ve reached a new level in our history where decisions have been made as to your importance to your country.

Try the following experiment. Go to the airport and ask travelers en route to some remote destination how much they would pay for an insurance policy paying, say, a million tugrits (the currency of Mongolia) if they died during the trip (for any reason).Then ask another collection of travelers how much they would pay for insurance that pays the same in the event of death from a terrorist act (and only a terrorist act). Guess which one would command a higher price? Odds are that people would rather pay for the second policy (although the former includes death from terrorism). The psychologists Daniel Kahneman and Amos Tversky figured this out several decades ago.

Conservatives argue that this human tendency toward corruption means that unemployment benefits and government health insurance will make the poor lazy, that they will become food stamp gobblers with no incentive to work for themselves. But I side with the poor and powerless since—as we've seen—they have far less ability to destroy all our lives.

In what census of living creatures, the dead of mankind are included; why it is that a universal proverb says of them, that they tell no tales, though containing more secrets than the Goodwin Sands; how it is that to his name who yesterday departed for the other world, we prefix so significant and infidel a word, and yet do not thus entitle him, if he but embarks for the remotest Indies of this living earth; why the Life Insurance Companies pay death-forfeitures upon immortals; in what eternal, unstirring paralysis, and deadly, hopeless trance, yet lies antique Adam who died sixty round centuries ago; how it is that we still refuse to be comforted for those who we nevertheless maintain are dwelling in unspeakable bliss; why all the living so strive to hush all the dead; wherefore but the rumor of a knocking in a tomb will terrify a whole city. All these things are not without their meanings.

From 2002 to 2008, the United States was fighting bloody wars in Afghanistan and Iraq; among active military personnel, there were an average 1,643 fatalities per year. But over the same stretch of time in the early 1980s, with the United States fighting no major wars, there were more than 2,100 military deaths per year. How can this possibly be? For one, the military used to be much larger: 2.1 million on active duty in 1988 versus 1.4 million in 2008. But even the rate of death in 2008 was lower than in certain peacetime years. Some of this improvement is likely due to better medical care. But a surprising fact is that the accidental death rate for soldiers in the early 1980s was higher than the death rate by hostile fire for every year the United States has been fighting in Afghanistan and Iraq. It seems that practicing to fight a war can be just about as dangerous as really fighting one. And,

You might also be wondering how the Obama administration thought they would get away with this disaster. I think their intention was simply to blame insurance companies when people started seeing their health insurance plans canceled. Liberals excel at vilifying the business sector, and the more they can demonize private-sector insurers, the more leverage they believe they will have for continuing to move toward the Holy Grail of the left that Ronald Reagan warned against in 1961—a single-payer, government-funded, socialized health-care system.

They became the directing power in the life insurance companies, and other corporate reservoirs of the people’s savings-the buyers of bonds and stocks. They became the directing power also in banks and trust companies-the depositaries of the quick capital of the country-the life blood of business, with which they and others carried on their operations. Thus four distinct functions, each essential to business, and each exercised, originally, by a distinct set of men, became united in the investment banker. It is to this union of business functions that the existence of the Money Trust is mainly due.[1]

On Rachel's show for November 7, 2012: Ohio really did go to President Obama last night. and he really did win. And he really was born in Hawaii. And he really is legitimately President of the United States, again. And the Bureau of Labor statistics did not make up a fake unemployment rate last month. And the congressional research service really can find no evidence that cutting taxes on rich people grows the economy. And the polls were not screwed to over-sample Democrats. And Nate Silver was not making up fake projections about the election to make conservatives feel bad; Nate Silver was doing math. And climate change is real. And rape really does cause pregnancy, sometimes. And evolution is a thing. And Benghazi was an attack on us, it was not a scandal by us. And nobody is taking away anyone's guns. And taxes have not gone up. And the deficit is dropping, actually. And Saddam Hussein did not have weapons of mass destruction. And the moon landing was real. And FEMA is not building concentration camps. And you and election observers are not taking over Texas. And moderate reforms of the regulations on the insurance industry and the financial services industry in this country are not the same thing as communism. Listen, last night was a good night for liberals and for democrats for very obvious reasons, but it was also, possibly, a good night for this country as a whole. Because in this country, we have a two-party system in government. And the idea is supposed to be that the two sides both come up with ways to confront and fix the real problems facing our country. They both propose possible solutions to our real problems. And we debate between those possible solutions. And by the process of debate, we pick the best idea. That competition between good ideas from both sides about real problems in the real country should result in our country having better choices, better options, than if only one side is really working on the hard stuff. And if the Republican Party and the conservative movement and the conservative media is stuck in a vacuum-sealed door-locked spin cycle of telling each other what makes them feel good and denying the factual, lived truth of the world, then we are all deprived as a nation of the constructive debate about competing feasible ideas about real problems. Last night the Republicans got shellacked, and they had no idea it was coming. And we saw them in real time, in real humiliating time, not believe it, even as it was happening to them. And unless they are going to secede, they are going to have to pop the factual bubble they have been so happy living inside if they do not want to get shellacked again, and that will be a painful process for them, but it will be good for the whole country, left, right, and center. You guys, we're counting on you. Wake up. There are real problems in the world. There are real, knowable facts in the world. Let's accept those and talk about how we might approach our problems differently. Let's move on from there. If the Republican Party and the conservative movement and conservative media are forced to do that by the humiliation they were dealt last night, we will all be better off as a nation. And in that spirit, congratulations, everyone!

Then again, by the nineteenth century, owners could purchase life insurance on their slaves (from some of the most reputable insurance companies in the country) and be paid three-quarters of their market value upon their death. These insurance companies, including modern household names New York Life, Aetna, and U.S. Life, were just some of the many northern corporations whose fortunes were bound up with slavery.

He’s fully aware that old age will be coming for him too, in time. Health troubles, insurance issues, all with no hope of a pension. Even now, in his forties, he has started to feel slightly less trustful of his own body. He takes more care about how he lifts things, and he gets winded sooner on his runs. A long-ago basketball injury tends to set up a kind of echo in his left ankle during sudden changes in the weather.

THE BRANCH OF ECONOMICS concerned with issues like inflation, recessions, and financial shocks is known as macroeconomics. When the economy is going well, macroeconomists are lauded as heroes; when it turns sour, as it did recently, they catch a lot of the blame. In either case, the headlines go to the macroeconomists. We hope that after reading this book, you’ll realize there is a whole different breed of economist out there—microeconomists—lurking in the shadows. They seek to understand the choices that individuals make, not just in terms of what they buy but also how often they wash their hands and whether they become terrorists.

I want you, Elsie. All the time. I think of you. All. The. Fucking. Time. I’m distracted. I’m shit at work. And my first instinct, the very first time I saw you, was to run away. Because I knew that if we’d start doing this, we would never stop. And that’s exactly how it is. There is no universe in which I’m going to let you go. I want to be with you, on you, every second of every day. I think—I dream of crazy things. I want you to marry me tomorrow so you can go on my health insurance. I want to lock you in my room for a couple of weeks. I want to buy groceries based on what you like. I want to play it cool, like I’m attracted to you and not obsessed out of my mind, but that’s not where I’m at. Not at all. And I need you to keep us in check. I need you to pace us, because wherever it is that we’re going . . . I’m here. I’m already right here.

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.

What I didn't say was: I know you too well. You live your life idealistically. You think it's possible to opt out of the system. No regular income, no health insurance. You quit jobs on a dime. You think this is freedom but I still see the bare, painstakingly cheap way you live, the scrimping and saving, and that is not freedom either. You move in circumscribed circles. You move peripherally, on the margins of everything, pirating movies and eating dollar slices. I used to admire this about you, how fervently you clung to your beliefs-- I called it integrity-- but five years of watching you live this way has changed me. In this world, money is freedom. Opting out is not a real choice.

a perfect description of the “automatic cultural man”—man as confined by culture, a slave to it, who imagines that he has an identity if he pays his insurance premium, that he has control of his life if he guns his sports car or works his electric toothbrush. Today the inauthentic or immediate men are familiar types, after decades of Marxist and existentialist analysis of man’s slavery to his social system. But in Kierkegaard’s time it must have been a shock to be a modern European city-dweller and be considered a Philistine at the same time. For Kierkegaard “philistinism” was triviality, man lulled by the daily routines of his society, content with the satisfactions that it offers him: in today’s world the car, the shopping center, the two-week summer vacation. Man is protected by the secure and limited alternatives his society offers him, and if he does not look up from his path he can live out his life with a certain dull security: Devoid of imagination, as the Philistine always is, he lives in a certain trivial province of experience as to how things go, what is possible, what usually occurs… . Philistinism tranquilizes itself in the trivial…

On the other side of the gun debate we have those who wish to eliminate all guns. “Guns kill” is the battle cry. If that argument was true, we would have to label cars as “killers” since they take more lives in a year than guns. But the claim is false. There is no question that guns are deadly and were invented for one thing – to kill. But guns don’t think, they don’t plan, they don’t aim, and they don’t pull their own trigger. Guns are just a tool used by an owner to complete a task. Good people use guns for recreation and as insurance against evil. Bad people use guns to commit crimes. How a gun is used is not determined by the gun; it is determined by the holder of the gun. Period. There is nothing else to say on this point.

Stigma takes many forms, comes from all directions, is sometimes blatantly overt, but can also be remarkably subtle. It is the cruel comment, the unkind smirk, the extrusion from the group, the lost job opportunity, the rejected marriage proposal, the ineligibility for life insurance, the inability to adopt a child or pilot a plane. But it is also the reduced expectation, the helping hand when none is needed or wanted, the solicitous sympathy that one cannot really be expected to measure up. And the secondary psychological and practical harms of having a mental disorder come only partly from how others see you. A great deal of the trouble comes from the change in how you see yourself: the sense of being damaged goods, feeling not normal or worthy, not a full fledged member of the group. It is bad enough that stigma is so often associated with having a mental disorder, but the stigma that comes from being mislabeled with a fake diagnosis is a dead loss with absolutely no redeeming features.

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.

Why did her family think pachinko was so terrible? Her father, a traveling salesman, had sold expensive life insurance policies to isolated housewives who couldn’t afford them, and Mozasu created spaces where grown men and women could play pinball for money. Both men had made money from chance and fear and loneliness. Every morning, Mozasu and his men tinkered with the machines to fix the outcomes—there could only be a few winners and a lot of losers. And yet we played on, because we had hope that we might be the lucky ones. How could you get angry at the ones who wanted to be in the game? Etsuko had failed in this important way—she had not taught her children to hope, to believe in the perhaps-absurd possibility that they might win. Pachinko was a foolish game, but life was not.

Over time, some ideas do cross the repugnance barrier to become reality. Charging interest on loans. Selling human sperm and eggs. Profiting from a loved one’s premature death. This last example of course describes how life insurance works. Today it is standard practice to wager on your own death in order to provide for your family. Until the mid-nineteenth century, life insurance was considered “a profanation,” as the sociologist Viviana Zelizer writes, “which transformed the sacred event of death into a vulgar commodity.

As every economist knows, third-party transactions are always more expensive, whether the third party is an insurer or the government...Third-party transactions are always inflationary. So let's return as much of daily life as possible to a two-party system--buyer and seller. You'll be amazed how affordable it is. Compare cellphone and laptop and portable music systems prices with what they were in the Eighties, and then ask yourself how it would have turned out with a government-regulated system of electronic insurance plans.

But most of all," she said, "I like to watch people. Sometimes I ride the subway all day and look at them and listen to them. I just want to figure out who they are and what they want and where they're going. Sometimes I even go to the Fun Parks and ride in the jet cars when they race on the edge of town at midnight and the police don't care as long as they're insured. As long as everyone has ten thousand insurance everyone's happy. Sometimes I sneak around and listen in subways. Or I listen at soda fountains, and do you know what?" "What?" "People don't talk about anything." "Oh, they must!" "No, not anything. They name a lot of cars or clothes or swimming-pools mostly and say how swell! But they all say the same things and nobody says anything different from anyone else. And most of the time in the cafes they have the jokeboxes on and the same jokes most of the time, or the musical wall lit and all the coloured patterns running up and down, but it's only colour and all abstract. And at the museums, have you ever been? All abstract. That's all there is now.

When the Goldman Sachs saleswoman called Mike Burry and told him that her firm would be happy to sell him credit default swaps in $100 million chunks, Burry guessed, rightly, that Goldman wasn’t ultimately on the other side of his bets. Goldman would never be so stupid as to make huge naked bets that millions of insolvent Americans would repay their home loans. He didn’t know who, or why, or how much, but he knew that some giant corporate entity with a triple-A rating was out there selling credit default swaps on subprime mortgage bonds. Only a triple-A-rated corporation could assume such risk, no money down, and no questions asked. Burry was right about this, too, but it would be three years before he knew it. The party on the other side of his bet against subprime mortgage bonds was the triple-A-rated insurance company AIG—American International Group, Inc.

Another example is the modern political order. Ever since the French Revolution, people throughout the world have gradually come to see both equality and individual freedom as fundamental values. Yet the two values contradict each other. Equality can be ensured only by curtailing the freedoms of those who are better off. Guaranteeing that every individual will be free to do as he wishes inevitably short-changes equality. The entire political history of the world since 1789 can be seen as a series of attempts to reconcile this contradiction. Anyone who has read a novel by Charles Dickens knows that the liberal regimes of nineteenth-century Europe gave priority to individual freedom even if it meant throwing insolvent poor families in prison and giving orphans little choice but to join schools for pickpockets. Anyone who has read a novel by Alexander Solzhenitsyn knows how Communism’s egalitarian ideal produced brutal tyrannies that tried to control every aspect of daily life. Contemporary American politics also revolve around this contradiction. Democrats want a more equitable society, even if it means raising taxes to fund programmes to help the poor, elderly and infirm. But that infringes on the freedom of individuals to spend their money as they wish. Why should the government force me to buy health insurance if I prefer using the money to put my kids through college? Republicans, on the other hand, want to maximise individual freedom, even if it means that the income gap between rich and poor will grow wider and that many Americans will not be able to afford health care. Just as medieval culture did not manage to square chivalry with Christianity, so the modern world fails to square liberty with equality. But this is no defect. Such contradictions are an inseparable part of every human culture. In fact, they are culture’s engines, responsible for the creativity and dynamism of our species. Just

In a section of The Vaccine Book titled “Is it your social responsibility to vaccinate your kids?” Dr. Bob asks, “Can we fault parents for putting their own child’s health ahead of that of the kids around him?” This is meant to be a rhetorical question, but Dr. Bob’s implied answer is not mine. In another section of the book, Dr. Bob writes of his advice to parents who fear the MMR vaccine, “I also warn them not to share their fears with their neighbors, because if too many people avoid the MMR, we’ll likely see the disease increase significantly.” I do not need to consult an ethicist to determine that there is something wrong there, but my sister clarifies my discomfort. “The problem is in making a special exemption just for yourself,” she says. This reminds her of a way of thinking proposed by the philosopher John Rawls: Imagine that you do not know what position you are going to hold in society—rich, poor, educated, insured, no access to health care, infant, adult, HIV positive, healthy immune system, etc.—but that you are aware of the full range of possibilities. What you would want in that situation is a policy that is going to be equally just no matter what position you end up in. “Consider relationships of dependence,” my sister suggests. “You don’t own your body—that’s not what we are, our bodies aren’t independent. The health of our bodies always depends on choices other people are making.” She falters for a moment here, and is at a loss for words, which is rare for her. “I don’t even know how to talk about this,” she says. “The point is there’s an illusion of independence.

Although Manmohan Singh, the helmsman, got the credit, it was Rao who took the tough and aggressive decisions and provided the energy and political support. He was shrewd and knew how to deal with dissent. The manner in which he pushed through the industrial policy in the cabinet is an example. At the same time, the reforms would not have happened without Manmohan Singh. To the extent that there was one, he created the road map. In a brilliant move, he set up a set of committees—bank reform under Narsimhan, tax reform under Chelliah, and insurance reform under Malhotra—and they provided crucial intellectual sustenance and legitimacy for reform measures in these areas. It needed Manmohan Singh to come and change the nation’s mind-set to growth. But Manmohan Singh is a reticent man and cautious by nature. On his own, without Rao’s constant support, he would not have done it. The new trade policy would not have come about as speedily without Chidambaram. Varma was a terror as the head of the steering committee and he provided the momentum for the implementation of the reforms for two years. He knew the system well, and he played it in favor of the reforms. Varma’s crucial contributions, I believe, have not been understood or appreciated. In the end, all three—Manmohan Singh, Chidambaram, and Varma—derived their strength from Narasimha Rao.

To an economist, the strategy is obvious. Since even a penny is more valuable than nothing, it makes sense for Zelda to accept an offer as low as a penny—and, therefore, it makes sense for Annika to offer just a penny, keeping $19.99 for herself. But, economists be damned, that’s not how normal people played the game. The Zeldas usually rejected offers below $3. They were apparently so disgusted by a lowball offer that they were willing to pay to express their disgust. Not that lowball offers happened very often. On average, the Annikas offered the Zeldas more than $6. Given how the game works, an offer this large was clearly meant to ward off rejection. But still, an average of $6—almost a third of the total amount—seemed pretty generous. Does that make it altruism? Maybe, but probably not. The Ultimatum player making the offer has something to gain—the avoidance of rejection—by giving more generously. As often happens in the real world, seemingly kind behaviors in Ultimatum are inextricably tied in with potentially selfish motivations.

Romantic literature often presents the individual as somebody caught in a struggle against the state and the market. Nothing could be further from the truth. The state and the market are the mother and father of the individual, and the individual can survive only thanks to them. The market provides us with work, insurance and a pension. If we want to study a profession, the government’s schools are there to teach us. If we want to open a business, the bank loans us money. If we want to build a house, a construction company builds it and the bank gives us a mortgage, in some cases subsidised or insured by the state. If violence flares up, the police protect us. If we are sick for a few days, our health insurance takes care of us. If we are debilitated for months, social security steps in. If we need around-the-clock assistance, we can go to the market and hire a nurse – usually some stranger from the other side of the world who takes care of us with the kind of devotion that we no longer expect from our own children. If we have the means, we can spend our golden years at a senior citizens’ home. The tax authorities treat us as individuals, and do not expect us to pay the neighbours’ taxes. The courts, too, see us as individuals, and never punish us for the crimes of our cousins. Not only adult men, but also women and children, are recognised as individuals. Throughout most of history, women were often seen as the property of family or community. Modern states, on the other hand, see women as individuals, enjoying economic and legal rights independently of their family and community. They may hold their own bank accounts, decide whom to marry, and even choose to divorce or live on their own. But the liberation of the individual comes at a cost. Many of us now bewail the loss of strong families and communities and feel alienated and threatened by the power the impersonal state and market wield over our lives. States and markets composed of alienated individuals can intervene in the lives of their members much more easily than states and markets composed of strong families and communities. When neighbours in a high-rise apartment building cannot even agree on how much to pay their janitor, how can we expect them to resist the state? The deal between states, markets and individuals is an uneasy one. The state and the market disagree about their mutual rights and obligations, and individuals complain that both demand too much and provide too little. In many cases individuals are exploited by markets, and states employ their armies, police forces and bureaucracies to persecute individuals instead of defending them. Yet it is amazing that this deal works at all – however imperfectly. For it breaches countless generations of human social arrangements. Millions of years of evolution have designed us to live and think as community members. Within a mere two centuries we have become alienated individuals. Nothing testifies better to the awesome power of culture.

[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.

In order to understand how engineers endeavor to insure against such structural, mechanical, and systems failures, and thereby also to understand how mistakes can be made and accidents with far-reaching consequences can occur, it is necessary to understand, at least partly, the nature of engineering design. It is the process of design, in which diverse parts of the 'given-world' of the scientist and the 'made-world' of the engineer are reformed and assembled into something the likes of which Nature had not dreamed, that divorces engineering from science and marries it to art. While the practice of engineering may involve as much technical experience as the poet brings to the blank page, the painter to the empty canvas, or the composer to the silent keyboard, the understanding and appreciation of the process and products of engineering are no less accessible than a poem, a painting, or a piece of music. Indeed, just as we all have experienced the rudiments of artistic creativity in the childhood masterpieces our parents were so proud of, so we have all experienced the essence of structual engineering in our learning to balance first our bodies and later our blocks in ever more ambitious positions. We have learned to endure the most boring of cocktail parties without the social accident of either our bodies or our glasses succumbing to the force of gravity, having long ago learned to crawl, sit up, and toddle among our tottering towers of blocks. If we could remember those early efforts of ours to raise ourselves up among the towers of legs of our parents and their friends, then we can begin to appreciate the task and the achievements of engineers, whether they be called builders in Babylon or scientists in Los Alamos. For all of their efforts are to one end: to make something stand that has not stood before, to reassemble Nature into something new, and above all to obviate failure in the effort.

The truth is that we're drowning in busywork, nonproductive work, everything from "creative" banking and insurance bureaucracies to the pointless shuffling of data and the manufacturing of products designed to be obsolescent almost immediately- and I would argue that a great deal of what we're doing should just stop. Interestingly, people of all sorts are beginning to reconnect to skills and sensibilities that were bulldozed in the frenzy of 'development' that remade our world during the past two generations. Those orchards and fields that once covered the peninsula, the East Bay, and Silicon Valley are haunting us now, as we seek to relocalize our food sources and our economy more generally. People are relearning how to reuse things, how to fix broken items, and even how to make new things from the scraps of industrial waste. The world shaped by capitalist modernization is not good for human life and is certainly rough on the health of the planet. The hollowing out of communities whose lives were once anchored in the old Produce Market area or who shared life along the vibrant Fillmore blues corridor is precisely what people are trying to overcome.

White supremacists are the ones supporting policies that benefit racist power against the interests of the majority of White people. White supremacists claim to be pro-White but refuse to acknowledge that climate change is having a disastrous impact on the earth White people inhabit. They oppose affirmative-action programs, despite White women being their primary beneficiaries. White supremacists rage against Obamacare even as 43 percent of the people who gained lifesaving health insurance from 2010 to 2015 were White. They heil Adolf Hitler’s Nazis, even though it was the Nazis who launched a world war that destroyed the lives of more than forty million White people and ruined Europe. They wave Confederate flags and defend Confederate monuments, even though the Confederacy started a civil war that ended with more than five hundred thousand White American lives lost—more than every other American war combined. White supremacists love what America used to be, even though America used to be—and still is—teeming with millions of struggling White people. White supremacists blame non-White people for the struggles of White people when any objective analysis of their plight primarily implicates the rich White Trumps they support.

I wish you’d told me this before.” “It wouldn’t have changed anything.” “Maybe not. But talking about wounds can help heal them.” “You don’t talk about yours,” she pointed out. He sat down on the sofa facing her and leaned forward. “But I do,” he said seriously. “I talk to you. I’ve never told anyone else about the way my father treated us. That’s a deeply personal thing. I don’t share it. I can’t share it with anyone but you.” “I’m part of your life,” she said heavily, smoothing her hair back again. “Neither of us can help that. You were my comfort when Mama died, my very salvation when my stepfather hurt me. But I can’t expect you to go on taking care of me. I’m twenty-five years old, Tate. I have to let you go.” “No, you don’t.” He caught her wrists and pulled her closer. He was more solemn than she’d ever seen him. “I’m tired of fighting it. Let’s find out how deep your scars ago. Come to bed with me, Cecily. I know enough to make it easy for you.” She stared at him blankly. “Tate…” She touched his lean cheek hesitantly. He was offering her paradise, if she could face her own demons in bed with him. “This will only make things worse, whatever happens.” “You want me,” he said gently. “And I want you. Let’s get rid of the ghosts. If you can get past the fear, I won’t have anyone else from now on except you. I’ll come to you when I’m happy, when I’m sad, when the world falls on me. I’ll lie in your arms and comfort you when you’re sad, when you’re frightened. You can come to me when you need to be held, when you need me. I’ll cherish you.” “And you’ll make sure I never get pregnant.” His face tautened. “You know how I feel about. I’ve never made a secret of it. I won’t compromise on that issue, ever.” She touched his long hair, thinking how beautiful he was, how beloved. Could she live with only a part of him, watch him leave her one day to marry another woman? If he never knew the truth about his father, he might do that. She couldn’t tell him about Matt Holden, even to insure her own happiness. He glanced at her, puzzled by the expression on her face. “I’ll be careful,” he said. “And very slow. I won’t hurt you, in any way.” “Colby might come back…” He shook his head. “No. He won’t.” He stood up, pulling her with him. He saw the faint indecision in her face. “I won’t ask for more than you can give me,” he said quietly. “If you only want to lie in my arms and be kissed, that’s what we’ll do.” She looked up into his dark eyes and an unsteady sigh passed her lips. “I would give…anything…to let you love me,” she said huskily. “For eight long years…!” His mouth covered the painful words, stilling them.

I mean to tell you, the Law's notion of justice is more cold-blooded than any outlaw I ever knew. And I mean 'outlaw,' not criminal. 'Criminal' doesn't distinguish between guys like men and the guys who own the banks and insurance companies and stock markets, who own the factories and coal mines and oil fields, who own the goddamn Law. I once said to John that being an outlaw was about the only way left for a man to hold on to his self-respect, and he said Ain't that the sad truth. The girls laughed along with us because they knew it wasn't a joke.... John got the publicity because he loved it ... he carried on like the whole thing was an adventure movie and he was Douglas Fairbanks. He wanted to to be a 'star.' That's how he was. Not me. I never even liked having my picture taken. All I ever wanted was to show the bastards who own the law that it didn't mean they owned me.

Fifteen years ago, a business manager from the United States came to Plum Village to visit me. His conscience was troubled because he was the head of a firm that designed atomic bombs. I listened as he expressed his concerns. I knew if I advised him to quit his job, another person would only replace him. If he were to quit, he might help himself, but he would not help his company, society, or country. I urged him to remain the director of his firm, to bring mindfulness into his daily work, and to use his position to communicate his concerns and doubts about the production of atomic bombs. In the Sutra on Happiness, the Buddha says it is great fortune to have an occupation that allows us to be happy, to help others, and to generate compassion and understanding in this world. Those in the helping professions have occupations that give them this wonderful opportunity. Yet many social workers, physicians, and therapists work in a way that does not cultivate their compassion, instead doing their job only to earn money. If the bomb designer practises and does his work with mindfulness, his job can still nourish his compassion and in some way allow him to help others. He can still influence his government and fellow citizens by bringing greater awareness to the situation. He can give the whole nation an opportunity to question the necessity of bomb production. Many people who are wealthy, powerful, and important in business, politics, and entertainment are not happy. They are seeking empty things - wealth, fame, power, sex - and in the process they are destroying themselves and those around them. In Plum Village, we have organised retreats for businesspeople. We see that they have many problems and suffer just as others do, sometimes even more. We see that their wealth allows them to live in comfortable conditions, yet they still suffer a great deal. Some businesspeople, even those who have persuaded themselves that their work is very important, feel empty in their occupation. They provide employment to many people in their factories, newspapers, insurance firms, and supermarket chains, yet their financial success is an empty happiness because it is not motivated by understanding or compassion. Caught up in their small world of profit and loss, they are unaware of the suffering and poverty in the world. When we are not int ouch with this larger reality, we will lack the compassion we need to nourish and guide us to happiness. Once you begin to realise your interconnectedness with others, your interbeing, you begin to see how your actions affect you and all other life. You begin to question your way of living, to look with new eyes at the quality of your relationships and the way you work. You begin to see, 'I have to earn a living, yes, but I want to earn a living mindfully. I want to try to select a vocation not harmful to others and to the natural world, one that does not misuse resources.' Entire companies can also adopt this way of thinking. Companies have the right to pursue economic growth, but not at the expense of other life. They should respect the life and integrity of people, animals, plants and minerals. Do not invest your time or money in companies that deprive others of their lives, that operate in a way that exploits people or animals, and destroys nature. Businesspeople who visit Plum Village often find that getting in touch with the suffering of others and cultivating understanding brings them happiness. They practise like Anathapindika, a successful businessman who lived at the time of the Buddha, who with the practise of mindfulness throughout his life did everything he could to help the poor and sick people in his homeland.

Okay, then. Honesty." He tilts my face backward, lips brushing against my ears. "I want you, Elsie. All the time. I think of you. All. The. Fucking. Time. I'm distracted. I'm shit at work. And my first instinct, the very first time I saw you, was to run away. Because I knew that if we'd start doing this, we would never stop. And that's exactly how it is. There is no universe in which I'm going to let you go. I want to be with you, on you, every second of every day. I think—I dream of crazy things. I want you to marry me tomorrow so you can go on my health insurance. I want to lock you in my room for a couple of weeks. I want to buy groceries based on what you like. I want to play it cool, like I'm attracted to you and not obsessed out of my mind, but that's not where I'm at. Not at all. And I need you to keep us in check. I need you to pace us, because wherever it is that we're going ... I'm here. I'm already right here.

We don’t worry about who manages the bank or what they do with our money. Even if we hear on the news that our bank has started to lend large sums of money to piano-playing cats, which we think is a bad idea, we would not feel the need to show up at the bank the next morning to ask for all of our money back. If you had lent your money to an individual and they in turn lent your money to piano-playing cats, you would demand your money back immediately. But because you deposit your money into a bank account insured by the federal government, you feel no need to keep a watchful eye on what your bank does with the money. Insurance removes the incentive for customers to police a bank. It can also remove the incentive for banks to police themselves because they do not bear the full or even the most serious consequences of their actions. Removing the natural tendencies of the market to notice and punish bad choices creates a moral hazard that may result in well-funded cats and other undetected market risks.

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.

You’re so bright, Trav, and so intuitive about people. And you have … the gift of tenderness. And sympathy. You could be almost anything.” “Of course!” I said, springing to my feet and beginning to pace back and forth through the lounge. “Why didn’t I think of that! Here I am, wasting the golden years on this lousy barge, getting all mixed up with lame-duck women when I could be out there seeking and striving. Who am I to keep from putting my shoulder to the wheel? Why am I not thinking about an estate and how to protect it? Gad, woman, I could be writing a million dollars a year in life insurance. I should be pulling a big oar in the flagship of life. Maybe it isn’t too late yet! Find the little woman, and go for the whole bit. Kiwanis, P.T.A., fund drives, cookouts, a clean desk, and vote the straight ticket, yessiree bob. Then when I become a senior citizen, I can look back upon …” I stopped when I heard the small sound she was making. She sat with her head bowed. I went over and put my fingertips under her chin. I tilted her head up and looked down into her streaming eyes. “Please, don’t,” she whispered. “You’re beginning to bring out the worst in me, woman.” “It was none of my business.” “I will not dispute you.” “But … who did this to you?” “I’ll never know you well enough to try to tell you, Lois.” She tried to smile. “I guess it can’t be any plainer than that.” “And I’m not a tragic figure, no matter how hard you try to make me into one. I’m delighted with myself, woman.” “And you wouldn’t say it that way if you were.” “Spare me the cute insights.

Books? Yes, I read a lot, I’ve always read a lot. No, I’m not sure we do understand each other. I like to read best on the floor, or in bed, almost everything lying down, no, it has less to do with the books, above all it has to do with the reading, with black on white, with the letters, syllables, lines, the signs, the setting down, this inhuman fixing, this insanity, which flows from people and is frozen into expression. Believe me, expression is insanity, it arises out of our insanity. It also has to do with turning pages, with hunting from one page to the other, with flight, with complicity in an absurd, solidified effusion, with a vile overflow of verse, with insuring life in a single sentence, and, in turn, with the sentences seeking insurance in life. Reading is a vice which can replace all other vices or temporarily take their place in more intensely helping people live, it is a debauchery, a consuming addiction. No, I don’t take any drugs, I take books, of course I have certain preferences, many books don’t suit me at all, some I take only in the morning, others at night, there are books I don’t ever let go, I drag them around with me in the apartment, carrying them from the living room into the kitchen, I read them in the hall standing up, I don’t use bookmarks, I don’t move my lips while reading, early on I learned to read very well, I don’t remember the method, but you ought to look into it, they must have used an excellent method in our provincial elementary schools, at least back then when I learned to read. Yes I also realized, but not until later, that there are countries where people don’t know how to read, at least not quickly, but speed is important, not only concentration, can you please tell me who can keep chewing on a simple or even a complex sentence without feeling disgust, either with the eyes or the mouth, just keep on grinding away, over and over, a sentence which only consists of subject and predicate must be consumed rapidly, a sentence with many appositions must for that very reason be taken at tremendous speed, with the eyeballs performing an imperceptible slalom, since a sentence doesn’t convey anything to itself, it has to “convey” something to the reader. I couldn’t “work my way through” a book, that would almost be an occupation. There are people, I tell you, you come across the strangest surprises in this field of reading . . . I do profess a certain weakness for illiterates, I even know someone here who doesn’t read and doesn’t want to, a person who has succumbed to the vice of reading more easily understands such a state of innocence, really unless people are truly capable of reading they ought not to read at all.

Do you have any cheese preferences?” Jack asked. “All cheese is good cheese, Lend said. “True dat.” I nodded solemnly. “You did not just say ‘true dat,’” Arianna said, walking into the kitchen. “Because if you think you have any ability whatsoever to pull that off, we are going to have to have a long, long talk.” “Can I at least use it ironically? Or ‘dude.’ Can I use ‘dude?’ Because I really want to be able to use ‘dude.’” “No. No, you cannot, but thank you for asking. Besides, ironic use always segues into non-ironic use, and unless you suddenly become far cooler or far more actually Californian than you are now, I simply cannot allow it.” “But on Easton Heights—” “You are not going to bring up Cary’s cousin Trevyn’s multiepisode arc where he’s sent there as punishment for his pot-smoking surf-bum ways, are you? Because that arc sucked, and he wasn’t even very hot. Also, what’s the lunatic doing?” She jerked her head toward Jack. He flipped a gorgeous looking omelet onto a plate and placed it with a flourish in front of Lend. “I am providing insurance against frying pan boy deciding to enact all the very painful fantasies he’s no doubt entertained about me for the last few weeks. An omelet this good should rule out any dismemberment vengeance.” “Have you been reading his diary?” I asked. “Because I’ll bet he got really creative with the violence ideas.” “No, I only ever read yours. But let me tell you, one more exclamation mark dotted with a heart while talking about how good a kisser Lend is and I was about ready to do myself in. You’re rather single-minded when it comes to adoring him.” “True dat,” Arianna said, nodding. “How come you can use ‘true dat’ if I can’t?” I asked, rightfully outraged. “Because I’m dead, and none of the rules apply anymore.” Lend ate his omelet, refusing to answer Jack’s questions about just how delicious it was on a scale from cutting off limbs to just breaking his nose. I gave Jack full points for flavor but noted the texture was slightly off, exempting him from name-calling but not from dirty looks. Arianna lounged against the counter, and when I finished first we debated the usage rules of “dude,” “true dat,” and my favorite, “for serious.” “I kind of wish they’d shut up,” Jack said. “Dude, true dat,” Lend answered. Jack nodded solemnly. “For serious.

The flight insurance example highlights another psychological phenomenon that is important to understanding how fear influences our thinking: “probability neglect.” Social scientists have found that when confronted with either an enormous threat or a huge reward, people tend to focus on the magnitude of the consequence and ignore the probability. Consider how the Bush administration has used some of the techniques identified by Professor Glassner. Repeating the same threat over and over again, misdirecting attention (from al-Qaeda to Saddam Hussein), and using vivid imagery (a “mushroom cloud over an American city”). September 11 had a profound impact on all of us. But after initially responding in an entirely appropriate way, the administration began to heighten and distort public fear of terrorism to create a political case for attacking Iraq. Despite the absence of proof, Iraq was said to be working hand in hand with al-Qaeda and to be on the verge of a nuclear weapons capability. Defeating Saddam was conflated with bringing war to the terrorists, even though it really meant diverting attention and resources from those who actually attacked us.

Let me ask you three questions,” he said. “And then you’ll see it my way. Question One: What’s the worst thing that you have ever done to someone? It’s okay. You don’t have to confess it out loud. Question Two: What’s the worst criminal act that has ever been committed against you? Question Three: Which of the two was the most damaging for the victim?” The worst criminal act that has ever been committed against me was burglary. How damaging was it? Hardly damaging at all. I felt theoretically violated at the idea of a stranger wandering through my house. But I got the insurance money. I was mugged one time. I was eighteen. The man who mugged me was an alcoholic. He saw me coming out of a supermarket. “Give me your alcohol,” he yelled. He punched me in the face, grabbed my groceries, and ran away. There wasn’t any alcohol in my bag. I was upset for a few weeks, but it passed. And what was the worst thing I had ever done to someone? It was a terrible thing. It was devastating for them. It wasn’t against the law. Clive’s point was that the criminal justice system is supposed to repair harm, but most prisoners—young, black—have been incarcerated for acts far less emotionally damaging than the injuries we noncriminals perpetrate upon one another all the time—bad husbands, bad wives, ruthless bosses, bullies, bankers.

In her book The Government-Citizen Disconnect, the political scientist Suzanne Mettler reports that 96 percent of American adults have relied on a major government program at some point in their lives. Rich, middle-class, and poor families depend on different kinds of programs, but the average rich and middle-class family draws on the same number of government benefits as the average poor family. Student loans look like they were issued from a bank, but the only reason banks hand out money to eighteen-year-olds with no jobs, no credit, and no collateral is because the federal government guarantees the loans and pays half their interest. Financial advisers at Edward Jones or Prudential can help you sign up for 529 college savings plans, but those plans' generous tax benefits will cost the federal government an estimated $28.5 billion between 2017 and 2026. For most Americans under the age of sixty-five, health insurance appears to come from their jobs, but supporting this arrangement is one of the single largest tax breaks issued by the federal government, one that exempts the cost of employer-sponsored health insurance from taxable incomes. In 2022, this benefit is estimated to have cost the government $316 billion for those under sixty-five. By 2032, its price tag is projected to exceed $6oo billion. Almost half of all Americans receive government-subsidized health benefits through their employers, and over a third are enrolled in government-subsidized retirement benefits. These participation rates, driven primarily by rich and middle-class Americans, far exceed those of even the largest programs directed at low income families, such as food stamps (14 percent of Americans) and the Earned Income Tax Credit (19 percent). Altogether, the United States spent $1.8 trillion on tax breaks in 2021. That amount exceeded total spending on law enforcement, education, housing, healthcare, diplomacy, and everything else that makes up our discretionary budget. Roughly half the benefits of the thirteen largest individual tax breaks accrue to the richest families, those with incomes that put them in the top 20 percent. The top I percent of income earners take home more than all middle-class families and double that of families in the bottom 20 percent. I can't tell you how many times someone has informed me that we should reduce military spending and redirect the savings to the poor. When this suggestion is made in a public venue, it always garners applause. I've met far fewer people who have suggested we boost aid to the poor by reducing tax breaks that mostly benefit the upper class, even though we spend over twice as much on them as on the military and national defense.

How to Open and Use Buy Verified Chime Bank Account Safely 24 Hours Reply/Contact ✅➤Telegram:@usukseller ✅➤Whatsapp: +1(939)328-6215 In today’s digital world, managing your finances online is more important than ever. Chime, a popular online-only bank, has gained a lot of attention for offering easy-to-use, fee-free banking services. If you’re considering opening a Chime bank account, this article will guide you through the process of getting a verified account and using it safely. Whether you’re new to online banking or looking to switch from a traditional bank, understanding how Chime works can help you make the most of your money. like: No monthly fees or minimum balance requirements Early direct deposit (get paid up to two days early) Automatic savings options Fee-free ATM access at thousands of locations Real-time transaction alerts Chime offers two main account types: the Spending Account (similar to a checking account) and the Savings Account. Both accounts come with FDIC insurance through Chime’s banking partners, giving you peace of mind that your money is protected. Why Verification is Important When you open a Chime account, you need to verify your identity. This verification process is crucial for several reasons: Security: It helps protect your account from unauthorized access. Compliance: Banks must comply with federal regulations like the Know Your Customer (KYC) rules to prevent fraud and money laundering. 24 Hours Reply/Contact ✅➤Telegram:@usukseller ✅➤Whatsapp: +1(939)328-6215 Access to Features: Verification unlocks important features like direct deposit, mobile check deposit, and higher transaction limits. Without proper verification, you may face limitations on your account or even risk having it closed. How to Open a Verified Chime Bank Account Opening a verified Chime account is quick and straightforward. Follow these steps: Step 1: Download the Chime App Start by downloading the official Chime app from the Apple App Store or Google Play Store. Avoid downloading apps from third-party sources to protect your personal information. Step 2: Start the Application Open the app and tap “Sign Up.” You’ll be asked to enter your personal information, including your full name, date of birth, Social Security Number (SSN), and address. Providing accurate details helps speed up verification. Step 3: Verify Your Identity Chime will ask you to verify your identity by uploading a valid government-issued ID such as a driver’s license or passport. The app uses secure technology to confirm your identity quickly. Step 4: Review and Accept Terms After verification, review Chime’s terms and conditions. Once you agree, your account will be created and verified, typically within a few minutes to a couple of hours. Step 5: Fund Your Account To start using your account, you can add money via direct deposit, transfer from another bank, or deposit cash at participating retailers. 24 Hours Reply/Contact ✅➤Telegram:@usukseller ✅➤Whatsapp: +1(939)328-6215 Tips for Using Your Chime Account Safely Now that your account is verified, it’s important to use it safely to protect your money and personal information. 1. Use Strong Passwords and Two-Factor Authentication Create a strong password for your Chime account, combining uppercase and lowercase letters, numbers, and symbols. Enable two-factor authentication (2FA) if available for added security. 2. Monitor Your Account Regularly Check your transactions frequently through the Chime app to spot any unauthorized activity quickly. Set up transaction alerts to get notified of any charges or deposits.” ― How to Open and Use Buy Verified Chime Bank Account Safely

How to Open and Use Buy Verified Chime Bank Account Safely ➥ WhatsApp: ‪+1 (209) 503-7041‬ ➥ Telegram: @cashappverified3 In today’s digital world, managing your finances online is more important than ever. Chime, a popular online-only bank, has gained a lot of attention for offering easy-to-use, fee-free banking services. If you’re considering opening a Chime bank account, this article will guide you through the process of getting a verified account and using it safely. Whether you’re new to online banking or looking to switch from a traditional bank, understanding how Chime works can help you make the most of your money. What is Chime? Chime is a financial technology company that partners with banks to provide mobile banking services. Unlike traditional banks with physical branches, Chime operates entirely online through its mobile app and website. Chime accounts include features like: No monthly fees or minimum balance requirements Early direct deposit (get paid up to two days early) Automatic savings options Fee-free ATM access at thousands of locations Real-time transaction alerts Chime offers two main account types: the Spending Account (similar to a checking account) and the Savings Account. Both accounts come with FDIC insurance through Chime’s banking partners, giving you peace of mind that your money is protected. Why Verification is Important When you open a Chime account, you need to verify your identity. This verification process is crucial for several reasons: Security: It helps protect your account from unauthorized access. Compliance: Banks must comply with federal regulations like the Know Your Customer (KYC) rules to prevent fraud and money laundering. Access to Features: Verification unlocks important features like direct deposit, mobile check deposit, and higher transaction limits. Without proper verification, you may face limitations on your account or even risk having it closed. How to Open a Verified Chime Bank Account Opening a verified Chime account is quick and straightforward. Follow these steps: Step 1: Download the Chime App Start by downloading the official Chime app from the Apple App Store or Google Play Store. Avoid downloading apps from third-party sources to protect your personal information. Step 2: Start the Application Open the app and tap “Sign Up.” You’ll be asked to enter your personal information, including your full name, date of birth, Social Security Number (SSN), and address. Providing accurate details helps speed up verification. Step 3: Verify Your Identity Chime will ask you to verify your identity by uploading a valid government-issued ID such as a driver’s license or passport. The app uses secure technology to confirm your identity quickly. Step 4: Review and Accept Terms After verification, review Chime’s terms and conditions. Once you agree, your account will be created and verified, typically within a few minutes to a couple of hours. Step 5: Fund Your Account To start using your account, you can add money via direct deposit, transfer from another bank, or deposit cash at participating retailers. Tips for Using Your Chime Account Safely Now that your account is verified, it’s important to use it safely to protect your money and personal information. 1. Use Strong Passwords and Two-Factor Authentication Create a strong password for your Chime account, combining uppercase and lowercase letters, numbers, and symbols. Enable two-factor authentication (2FA) if available for added security. 2. Monitor Your Account Regularly Check your transactions frequently through the Chime app to spot any unauthorized activity quickly. Set up transaction alerts to get notified of any charges or deposits.

How to Open and Use Buy Verified Chime Bank Account Safely 24 Hours Reply/Contact ✅➤Telegram:@usukseller ✅➤Whatsapp: +1(939)328-6215 In today’s digital world, managing your finances online is more important than ever. Chime, a popular online-only bank, has gained a lot of attention for offering easy-to-use, fee-free banking services. If you’re considering opening a Chime bank account, this article will guide you through the process of getting a verified account and using it safely. Whether you’re new to online banking or looking to switch from a traditional bank, understanding how Chime works can help you make the most of your money. What is Chime? Chime is a financial technology company that partners with banks to provide mobile banking services. Unlike traditional banks with physical branches, Chime operates entirely online through its mobile app and website. Chime accounts include features like: No monthly fees or minimum balance requirements 24 Hours Reply/Contact ✅➤Telegram:@usukseller ✅➤Whatsapp: +1(939)328-6215 Early direct deposit (get paid up to two days early) Automatic savings options Fee-free ATM access at thousands of locations Real-time transaction alerts Chime offers two main account types: the Spending Account (similar to a checking account) and the Savings Account. Both accounts come with FDIC insurance through Chime’s banking partners, giving you peace of mind that your money is protected. Why Verification is Important When you open a Chime account, you need to verify your identity. This verification process is crucial for several reasons: Security: It helps protect your account from unauthorized access. 24 Hours Reply/Contact ✅➤Telegram:@usukseller ✅➤Whatsapp: +1(939)328-6215 Compliance: Banks must comply with federal regulations like the Know Your Customer (KYC) rules to prevent fraud and money laundering. Access to Features: Verification unlocks important features like direct deposit, mobile check deposit, and higher transaction limits. Without proper verification, you may face limitations on your account or even risk having it closed. How to Open a Verified Chime Bank Account Opening a verified Chime account is quick and straightforward. Follow these steps: Step 1: Download the Chime App Start by downloading the official Chime app from the Apple App Store or Google Play Store. Avoid downloading apps from third-party sources to protect your personal information. Step 2: Start the Application Open the app and tap “Sign Up.” You’ll be asked to enter your personal information, including your full name, date of birth, Social Security Number (SSN), and address. Providing accurate details helps speed up verification. Step 3: Verify Your Identity Chime will ask you to verify your identity by uploading a valid government-issued ID such as a driver’s license or passport. The app uses secure technology to confirm your identity quickly. Step 4: Review and Accept Terms After verification, review Chime’s terms and conditions. Once you agree, your account will be created and verified, typically within a few minutes to a couple of hours. Step 5: Fund Your Account To start using your account, you can add money via direct deposit, transfer from another bank, or deposit cash at participating retailers. Tips for Using Your Chime Account Safely Now that your account is verified, it’s important to use it safely to protect your money and personal information. 1. Use Strong Passwords and Two-Factor Authentication 2. Monitor Your Account Regularly Check your transactions frequently through the Chime app to spot any unauthorized activity quickly. Set up transaction alerts to get notified of any charges or deposits.” ― How to Open and Use Buy Verified Chime Bank Account Safely

How to Buy Verified Chime Bank Accounts Securely in 2025 In 2025, Chime stands out as one of the most innovative players in the world of personal finance. ------ If you want to more information just knock us – Contact US ➥24 Hours Reply/Contact ➤Telegram: @vrtwallet ➤Skype: vrtwallet ➤WhatsApp: +1 (929) 289-4746 ▰▰▰▰▰▰▰▰▰▰▰▰▰▰▰▰▰▰▰ As a neobank—a digital-first financial institution without physical branches—Chime provides a full suite of banking services directly through its user-friendly mobile app. This model eliminates the need for costly overhead associated with brick-and-mortar locations, allowing Chime to offer exceptionally low fees and streamline the banking experience for users. Unlike traditional banks that may charge a variety of fees for maintaining accounts, overdrafts, or even monthly maintenance, Chime operates with zero monthly fees and no minimum balance requirements. This focus on affordability makes it a perfect choice for individuals seeking to simplify their financial lives without the typical bank-related headaches. Chime also offers a significant advantage in terms of convenience. In 2025, speed and accessibility are critical, and Chime excels by offering early direct deposit. This feature enables users to receive their paychecks up to two days earlier than they would with a traditional bank, which can make a significant difference in managing cash flow, especially for those living paycheck to paycheck. Another key reason why Chime is growing rapidly in popularity is its commitment to security. Partnering with FDIC-insured banks, Chime ensures that your money is protected up to $250,000, just like it would be in a conventional bank. This adds an additional layer of trust, knowing that your funds are safely stored in a secure, regulated environment. In 2025, as digital finance continues to rise, Chime’s seamless integration of technology and banking is positioning it as a forward-thinking solution for Americans who want a smarter, simpler way to manage money—whether it's avoiding fees, tracking spending, or ensuring that funds are available as quickly as possible. By choosing Chime, users are embracing a modern approach to banking that aligns with the fast-paced, tech-centric world of today’s economy. Benefits of a Chime Account Choosing to open a Chime account means stepping into a world where convenience, security, and financial freedom are the top priorities. Unlike traditional banks that often come with hidden fees and cumbersome processes, Chime redefines what banking can be, offering benefits that truly work for the modern user. Let’s explore the key advantages of a Chime account in 2025: ✅ No Monthly Fees or Overdraft Fees One of the most striking features of Chime is its zero-fee structure. Traditional banks often charge monthly maintenance fees, overdraft fees, or even fees for not maintaining a minimum balance. With Chime, you don’t have to worry about any of these. No monthly maintenance fees means more of your money stays in your pocket, and no overdraft fees gives you peace of mind, knowing that you won’t be penalized for accidental overspending. This commitment to transparency and affordability ensures that every dollar you earn goes further. ▣ If you want to more information just knock us – Contact US 24 Hours Reply/Contact Telegram: @eglobalaccountss Skype: eglobalaccounts WhatsApp: +1 (620) 869-1326 ▰▰▰▰▰▰▰▰▰▰▰▰▰▰▰▰▰▰▰ ✅ Get Paid Up to 2 Days Early with Direct Deposit Imagine receiving your paycheck two days earlier than your usual payday—Chime makes that a reality. With early direct deposit, you get access to your money as soon as your employer releases it, which can be a game-changer for managing day-to-day expenses and avoiding late payment fees. In 2025, when financial flexibility is more important than ever, this benefit provides a valuable edge for people looking to keep their cash flow smooth and uninterrupted. ✅ FDIC-I

George Romney’s private-sector experience typified the business world of his time. His executive career took place within a single company, American Motors Corporation, where his success rested on the dogged (and prescient) pursuit of more fuel-efficient cars.41 Rooted in a particular locale, the industrial Midwest, AMC was built on a philosophy of civic engagement. Romney dismissed the “rugged individualism” touted by conservatives as “nothing but a political banner to cover up greed.”42 Nor was this dismissal just cheap talk: He once returned a substantial bonus that he regarded as excessive.43 Prosperity was not an individual product, in Romney’s view; it was generated through bargaining and compromises among stakeholders (managers, workers, public officials, and the local community) as well as through individual initiative. When George Romney turned to politics, he carried this understanding with him. Romney exemplified the moderate perspective characteristic of many high-profile Republicans of his day. He stressed the importance of private initiative and decentralized governance, and worried about the power of unions. Yet he also believed that government had a vital role to play in securing prosperity for all. He once famously called UAW head Walter Reuther “the most dangerous man in Detroit,” but then, characteristically, developed a good working relationship with him.44 Elected governor in 1962 after working to update Michigan’s constitution, he broke with conservatives in his own party and worked across party lines to raise the minimum wage, enact an income tax, double state education expenditures during his first five years in office, and introduce more generous programs for the poor and unemployed.45 He signed into law a bill giving teachers collective bargaining rights.46 At a time when conservatives were turning to the antigovernment individualism of Barry Goldwater, Romney called on the GOP to make the insurance of equal opportunity a top priority. As

Some incidents of facial profiling have been more inconvenient than others. I’ll never forget walking through airport security when I was flying to give a speech to a Christian men’s group in Montana. The Department of Homeland Security screeners obviously didn’t recognize me as “Jase the Duckman” from Duck Dynasty, and I felt like I was one wrong answer away from being led to an interrogation room in a pair of handcuffs! Hunting season had recently ended, so my hair and beard were in full bloom! The security screeners saw a Bible in my bag, and I guess they figured I was a Christian nut because of my long hair and bushy beard. Somehow, I made it through the metal detector and an additional pat-down, and I guess they couldn’t find a justifiable reason to detain me. But as I was getting my belongings back together, I accidentally bumped into a woman. She screamed! It must have been an involuntary reflex. It was a natural response, because she thought I was going to attack her. Once she finally settled down, I made my way to the gate and sat down to compose myself. After a few minutes, a young boy walked up and asked me for my autograph. Finally, I thought to myself. Somebody recognizes me from Duck Dynasty. Not everyone here believes I’m the Unabomber! Man, I could have used the kid about twenty minutes earlier, when I was trying to get through security! I looked over at the boy’s mother, and she was smiling from ear to ear. I realized they were very big fans. I signed my name on a piece of paper and handed it to the kid. “Can I ask you a question?” he said. “Sure, buddy,” I said. “Ask me anything you want.” “How much does Geico pay y’all?” he asked. My jaw dropped as I looked at the kid. “Wait a minute, man,” I said. “I’m not a caveman!” “What do you mean?” the boy asked. “I’m Jase the Duckman,” I said. “You know--from Duck Dynasty? Quack, quack?” It didn’t take me long to realize the boy had no idea what I was talking about. In a matter of minutes, I went from being a potential terrorist to being a caveman selling insurance.

What is a “pyramid?” I grew up in real estate my entire life. My father built one of the largest real estate brokerage companies on the East Coast in the 1970s, before selling it to Merrill Lynch. When my brother and I graduated from college, we both joined him in building a new real estate company. I went into sales and into opening a few offices, while my older brother went into management of the company. In sales, I was able to create a six-figure income. I worked 60+ hours a week in such pursuit. My brother worked hard too, but not in the same fashion. He focused on opening offices and recruiting others to become agents to sell houses for him. My brother never listed and sold a single house in his career, yet he out-earned me 10-to-1. He made millions because he earned a cut of every commission from all the houses his 1,000+ agents sold. He worked smarter, while I worked harder. I guess he was at the top of the “pyramid.” Is this legal? Should he be allowed to earn more than any of the agents who worked so hard selling homes? I imagine everyone will agree that being a real estate broker is totally legal. Those who are smart, willing to take the financial risk of overhead, and up for the challenge of recruiting good agents, are the ones who get to live a life benefitting from leveraged Income. So how is Network Marketing any different? I submit to you that I found it to be a step better. One day, a friend shared with me how he was earning the same income I was, but that he was doing so from home without the overhead, employees, insurance, stress, and being subject to market conditions. He was doing so in a network marketing business. At first I refuted him by denouncements that he was in a pyramid scheme. He asked me to explain why. I shared that he was earning money off the backs of others he recruited into his downline, not from his own efforts. He replied, “Do you mean like your family earns money off the backs of the real estate agents in your company?” I froze, and anyone who knows me knows how quick-witted I normally am. Then he said, “Who is working smarter, you or your dad and brother?” Now I was mad. Not at him, but at myself. That was my light bulb moment. I had been closed-minded and it was costing me. That was the birth of my enlightenment, and I began to enter and study this network marketing profession. Let me explain why I found it to be a step better. My research led me to learn why this business model made so much sense for a company that wanted a cost-effective way to bring a product to market. Instead of spending millions in traditional media ad buys, which has a declining effectiveness, companies are opting to employ the network marketing model. In doing so, the company only incurs marketing cost if and when a sale is made. They get an army of word-of-mouth salespeople using the most effective way of influencing buying decisions, who only get paid for performance. No salaries, only commissions. But what is also employed is a high sense of motivation, wherein these salespeople can be building a business of their own and not just be salespeople. If they choose to recruit others and teach them how to sell the product or service, they can earn override income just like the broker in a real estate company does. So now they see life through a different lens, as a business owner waking up each day excited about the future they are building for themselves. They are not salespeople; they are business owners.

According to Bartholomew, an important goal of St. Louis zoning was to prevent movement into 'finer residential districts . . . by colored people.' He noted that without a previous zoning law, such neighborhoods have become run-down, 'where values have depreciated, homes are either vacant or occupied by color people.' The survey Bartholomew supervised before drafting the zoning ordinance listed the race of each building's occupants. Bartholomew attempted to estimate where African Americans might encroach so the commission could respond with restrictions to control their spread. The St. Louis zoning ordinance was eventually adopted in 1919, two years after the Supreme Court's Buchanan ruling banned racial assignments; with no reference to race, the ordinance pretended to be in compliance. Guided by Bartholomew's survey, it designated land for future industrial development if it was in or adjacent to neighborhoods with substantial African American populations. Once such rules were in force, plan commission meetings were consumed with requests for variances. Race was frequently a factor. For example, on meeting in 1919 debated a proposal to reclassify a single-family property from first-residential to commercial because the area to the south had been 'invaded by negroes.' Bartholomew persuaded the commission members to deny the variance because, he said, keeping the first-residential designation would preserve homes in the area as unaffordable to African Americans and thus stop the encroachment. On other occasions, the commission changed an area's zoning from residential to industrial if African American families had begun to move into it. In 1927, violating its normal policy, the commission authorized a park and playground in an industrial, not residential, area in hopes that this would draw African American families to seek housing nearby. Similar decision making continued through the middle of the twentieth century. In a 1942 meeting, commissioners explained they were zoning an area in a commercial strip as multifamily because it could then 'develop into a favorable dwelling district for Colored people. In 1948, commissioners explained they were designating a U-shaped industrial zone to create a buffer between African Americans inside the U and whites outside. In addition to promoting segregation, zoning decisions contributed to degrading St. Louis's African American neighborhoods into slums. Not only were these neighborhoods zoned to permit industry, even polluting industry, but the plan commission permitted taverns, liquor stores, nightclubs, and houses of prostitution to open in African American neighborhoods but prohibited these as zoning violations in neighborhoods where whites lived. Residences in single-family districts could not legally be subdivided, but those in industrial districts could be, and with African Americans restricted from all but a few neighborhoods, rooming houses sprang up to accommodate the overcrowded population. Later in the twentieth century, when the Federal Housing Administration (FHA) developed the insure amortized mortgage as a way to promote homeownership nationwide, these zoning practices rendered African Americans ineligible for such mortgages because banks and the FHA considered the existence of nearby rooming houses, commercial development, or industry to create risk to the property value of single-family areas. Without such mortgages, the effective cost of African American housing was greater than that of similar housing in white neighborhoods, leaving owners with fewer resources for upkeep. African American homes were then more likely to deteriorate, reinforcing their neighborhoods' slum conditions.