Informative Insurance Quotes

Parental wealth is especially important for social mobility, because it can provide informal insurance that allows kids to take more risks in search of more reward.

I’m going to bang you so hard we should probably exchange insurance information.” She rasped.

Society never advances. It recedes as fast on one side as it gains on the other. It undergoes continual changes; it is barbarous, it is civilized, it is christianized, it is rich, it is scientific; but this change is not amelioration. For every thing that is given, something is taken. Society acquires new arts, and loses old instincts. What a contrast between the well-clad, reading, writing, thinking American, with a watch, a pencil, and a bill of exchange in his pocket, and the naked New Zealander, whose property is a club, a spear, a mat, and an undivided twentieth of a shed to sleep under! But compare the health of the two men, and you shall see that the white man has lost his aboriginal strength. If the traveller tell us truly, strike the savage with a broad axe, and in a day or two the flesh shall unite and heal as if you struck the blow into soft pitch, and the same blow shall send the white to his grave. The civilized man has built a coach, but has lost the use of his feet. He is supported on crutches, but lacks so much support of muscle. He has a fine Geneva watch, but he fails of the skill to tell the hour by the sun. A Greenwich nautical almanac he has, and so being sure of the information when he wants it, the man in the street does not know a star in the sky. The solstice he does not observe; the equinox he knows as little; and the whole bright calendar of the year is without a dial in his mind. His note-books impair his memory; his libraries overload his wit; the insurance-office increases the number of accidents; and it may be a question whether machinery does not encumber; whether we have not lost by refinement some energy, by a Christianity entrenched in establishments and forms, some vigor of wild virtue. For every Stoic was a Stoic; but in Christendom where is the Christian?

Information is the currency of the Internet. As a medium, the Internet is brilliantly efficient at shifting information from the hands of those who have it into the hands of those who do not. Often, as in the case of term life insurance prices, the information existed but in a woefully scattered way. (In such instances, the Internet acts like a gigantic horseshoe magnet waved over an endless sea of haystacks, plucking the needle out of each one.) The Internet has accomplished what even the most fervent consumer advocates usually cannot: it has vastly shrunk the gap between the experts and the public.

Uh, hello? Hello, hello! Uh, this is just to inform all employees, that due to current restrictions, the previously mentioned safe rooms, are being sealed at most locations. Including this one. Work crews will be here most of the day today, constructing a false wall over the old door bay. Nothing is being taken out before hand, so if you left anything inside, then it's your own fault. Management also requests, that this room not be mentioned to family, friends or insurance representatives. Thanks again, and remember to smile. You are the face of Freddy Fazbear's Pizza.

Anomalies manifest themselves on the border between chaos and order, so to speak, and have a threatening and promising aspect. The promising aspect dominates, when the contact is voluntary, when the exploring agent is up-to-date – when the individual has explored all previous anomalies, released the “information” they contained, and built a strong personality and steady “world” from that information. The threatening aspect dominates, when the contact is involuntary, when the exploring agent is not up-to-date – when the individual has run away from evidence of his previous errors, failed to extract the information “lurking behind” his mistakes, weakened his personality, and destabilised his “world.” The phenomenon of interest – that precursor to exploratory behaviour – signals the presence of a potentially “beneficial” anomaly. Interest manifests itself where an assimilable but novel phenomenon exists: where something new “hides,” in a partially comprehensible form. Devout adherence to the dictates of interest – assuming a suitably disciplined character – therefore insures stabilisation and renewal of personality and world. Interest is a spirit beckoning from the unknown – a spirit calling from outside the “walls” of society. Pursuit of individual interest means hearkening to this spirit’s call – means journeying outside the protective walls of childhood dependence and adolescent group identification; means also return to and rejuvenation of society. This means that pursuit of individual interest – development of true individuality – is equivalent to identification with the hero. Such identification renders the world bearable, despite its tragedies – and reduces unnecessary suffering, which most effectively destroys, to an absolute minimum. This is the message that everyone wants to hear. Risk your security. Face the unknown. Quit lying to yourself, and do what your heart truly tells you to do. You will be better for it, and so will the world.

The patenting of genes and other human tissue has already begun to turn human nature into property. The misuse of genetic information will enable insurers and employers to exercise the ultimate form of discrimination.

...go all the way to Sun Alliance to Chancery Lane, only to be told that they wouldn't insure my new house because of my profession. "Actors...and writers...well, you know." ..I couldn't help feeling something of a reject from society as I walked out again into Chancery Lane...my solicitor cheerfully informs me that several big companies, including Eagle Star won't touch actors. The happy and slightly absurd ending to this story is that I finally find a willing insurer in the National Farmers' Union at Huntingdon.

Taft explained that the great issue in this campaign is "creeping socialism." Now that is the patented trademark of the special interest lobbies. Socialism is a scare word they have hurled at every advance the people have made in the last 20 years. Socialism is what they called public power. Socialism is what they called social security. Socialism is what they called farm price supports. Socialism is what they called bank deposit insurance. Socialism is what they called the growth of free and independent labor organizations. Socialism is their name for almost anything that helps all the people. When the Republican candidate inscribes the slogan "Down With Socialism" on the banner of his "great crusade," that is really not what he means at all. What he really means is, "Down with Progress--down with Franklin Roosevelt's New Deal," and "down with Harry Truman's fair Deal." That is what he means. (Rear Platform and Other Informal Remarks in SYRACUSE, NEW YORK (Near station, 1:25 p.m. October 10, 1952 ) trumanlibrary dot org publicpapers

A great part of the cultural energy of poor farming societies has always been devoted to suppressing experimentation. If they had insurance, or sufficient savings to self-insure their experiments, such strong social taboos would not be needed to help ensure survival.

But many people never discover the folly of such a search and continue to believe that, given enough information, they can define and explain a person. Controversy has always existed among psychiatrists and psychologists about the validity of personality diagnosis. Some believe in the merits of the enterprise and devote their careers to ever greater nosological precision. Others, and among them I include myself, marvel that anyone can take diagnosis seriously, that it can ever be considered more than a simple cluster of symptoms and behavioral traits. Nonetheless, we find ourselves under ever-increasing pressure (from hospitals, insurance companies, governmental agencies) to sum up a person with a diagnostic phrase and a numerical category.

Another Presidential election was less than two years off. There would have to be fast work to ward off disaster. Far-sighted people, North and South, even foresaw the laboring people soon forsaking both of the old parties and going Socialist. Politicians and business men shuddered at the thought of such a tragedy and saw horrible visions of old-age pensions, eight-hour laws, unemployment insurance, workingmen’s compensation, minimum-wage legislation, abolition of child labor, dissemination of birth-control information, monthly vacations for female workers, two-month vacations for prospective mothers, both with pay, and the probable killing of individual initiative and incentive by taking the ownership of national capital out of the hands of two million people and putting it into the hands of one hundred and twenty million.

Elizabeth Zott,” she said, moving past the stork to the receptionist. “For Dr. Mason.” “You’re late,” the receptionist said icily. “I’m five minutes early,” Elizabeth corrected, checking her watch. “There’s paperwork,” the woman informed her, handing over a clipboard. Husband’s place of work. Husband’s telephone number. Husband’s insurance. Husband’s age. Husband’s bank account number. “Who’s having the baby here?” she asked.

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.

The coffee served in the coffeehouses wasn’t necessarily very good coffee. Because of the way coffee was taxed in Britain (by the gallon), the practice was to brew it in large batches, store it cold in barrels, and reheat it a little at a time for serving. So coffee’s appeal in Britain had less to do with being a quality beverage than with being a social lubricant. People went to coffeehouses to meet people of shared interests, gossip, read the latest journals and newspapers—a brand-new word and concept in the 1660s—and exchange information of value to their lives and business. Some took to using coffeehouses as their offices—as, most famously, at Lloyd’s Coffee House on Lombard Street, which gradually evolved into Lloyd’s insurance market.

It was only when professionals believed that reports on errors and near misses would be treated as learning opportunities rather than a pretext to blame that this crucial information started to flow. Managers were initially worried that reducing the penalties for error would lead to an increase in the number of errors. In fact, the opposite happened. Insurance claims fell by a dramatic 74 percent. Similar results have been found elsewhere. Claims and lawsuits made against the University of Michigan Health System, for example, dropped from 262 in August 2001 to 83 following the introduction of an open disclosure policy in 2007. The number of lawsuits against the University of Illinois Medical Center fell by half in two years after creating a system of open reporting.

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.

Templates for Protest Letters 1. TO TACKLE A SURPRISE OUT-OF-NETWORK BILL Dear Sir or Madam: The bills enclosed were for out-of-network services performed on __________ during my admission to __________ Medical Center, a hospital that is in my insurance network. I went to __________ Medical Center precisely because it was in my network. I was not informed of these providers’ out-of-network status and did not consent to being treated by any out-of-network providers. Since I did not give informed consent for treatment beyond the terms and network of my insurance policy, I suggest you contact my insurer to work out payment; I will pay only that portion of the bill that I would have paid for in-network services. Please stop this effort to collect a bill I do not owe for a service I was never informed would be out-of-network. If I get another notice, I will report this collection effort to the __________ State Department of Insurance and __________ State Department of Consumer Affairs. Sincerely, 2. TO OBTAIN MEDICAL RECORDS AND ITEMIZED BILLS Dear Sirs or Madam: I have now requested my medical records/itemized bill __________ times and have yet to receive the material. It is my right to receive these

This kind of speculation reached a high point with the Pentagon's initiative of creating a 'futures market in events', a stock market of prices for terrorist attacks or catastrophes. You bet on the probable occurrence of such events against those who don't believe they'll happen. This speculative market is intended to operate like the market in soya or sugar. You might speculate on the number of AIDS victims in Africa or on the probability that the San Andreas Fault will give way (the Pentagon's initiative is said to derive from the fact that they credit the free market in speculation with better forecasting powers than the secret services). Of course it is merely a step from here to insider trading: betting on the event before you cause it is still the surest way (they say Bin Laden did this, speculating on TWA shares before 11 September). It's like taking out life insurance on your wife before you murder her. There's a great difference between the event that happens (happened) in historical time and the event that happens in the real time of information. To the pure management of flows and markets under the banner of planetary deregulation, there corresponds the 'global' event- or rather the globalized non-event: the French victory in the World Cup, the year 2000, the death of Diana, The Matrix, etc. Whether or not these events are manufactured, they are orchestrated by the silent epidemic of the information networks. Fake events.

The most common criticism of the spread was that it detached policy debate from the real world, that nobody used language the way that these debaters did, save perhaps for auctioneers. But even adolescents knew this wasn't true, that corporate persons deployed a version of the spread all the time: for they heard the spoken warnings at the end of the increasingly common television commercials for prescription drugs, when risk information was disclosed at a speed designed to make it difficult to comprehend; they heard the list of rules and caveats read rapid-fire at the end of promotions on the radio; they were at least vaguely familiar with the 'fine print' one received from financial institutions and health-insurance companies; the last thing one was supposed to do with these thousands of words was comprehend them. These types of disclosure were designed to conceal; they exposed you to information that, should you challenge the institution in question, would be treated like a 'dropped argument' in a fast round of debate - you have already conceded the validity of the point by failing to address it when it was presented. It's no excuse that you didn't have the time. Even before the twenty-four hour news cycle, Twitter storms, algorithmic trading, spreadsheets, the DDoS attack, Americans were getting 'spread' in their daily lives; meanwhile, their politicians went on speaking slowly, slowly about values utterly disconnected from their policies.

The US traded its manufacturing sector’s health for its entertainment industry, hoping that Police Academy sequels could take the place of the rustbelt. The US bet wrong. But like a losing gambler who keeps on doubling down, the US doesn’t know when to quit. It keeps meeting with its entertainment giants, asking how US foreign and domestic policy can preserve its business-model. Criminalize 70 million American file-sharers? Check. Turn the world’s copyright laws upside down? Check. Cream the IT industry by criminalizing attempted infringement? Check. It’ll never work. It can never work. There will always be an entertainment industry, but not one based on excluding access to published digital works. Once it’s in the world, it’ll be copied. This is why I give away digital copies of my books and make money on the printed editions: I’m not going to stop people from copying the electronic editions, so I might as well treat them as an enticement to buy the printed objects. But there is an information economy. You don’t even need a computer to participate. My barber, an avowed technophobe who rebuilds antique motorcycles and doesn’t own a PC, benefited from the information economy when I found him by googling for barbershops in my neighborhood. Teachers benefit from the information economy when they share lesson plans with their colleagues around the world by email. Doctors benefit from the information economy when they move their patient files to efficient digital formats. Insurance companies benefit from the information economy through better access to fresh data used in the preparation of actuarial tables. Marinas benefit from the information economy when office-slaves look up the weekend’s weather online and decide to skip out on Friday for a weekend’s sailing. Families of migrant workers benefit from the information economy when their sons and daughters wire cash home from a convenience store Western Union terminal. This stuff generates wealth for those who practice it. It enriches the country and improves our lives. And it can peacefully co-exist with movies, music and microcode, but not if Hollywood gets to call the shots. Where IT managers are expected to police their networks and systems for unauthorized copying – no matter what that does to productivity – they cannot co-exist. Where our operating systems are rendered inoperable by “copy protection,” they cannot co-exist. Where our educational institutions are turned into conscript enforcers for the record industry, they cannot co-exist. The information economy is all around us. The countries that embrace it will emerge as global economic superpowers. The countries that stubbornly hold to the simplistic idea that the information economy is about selling information will end up at the bottom of the pile. What country do you want to live in?

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

a 2003 study, which demonstrated that consumers’ preference for an online retailer increases when they are offered competitive price information.[xxxvi] The technique has also been used by Progressive, the car insurance company, to drive over $15 billion of annual insurance sales, up from just $3.4 billion before the tactic was implemented.

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

Seminars allow you to deliver your stadium pitch to multiple people at one time. The purpose is to create more buyers, but the deciding factor as to if your seminar will swim or tank is your title and pitch. Seminars are over 500% more successful when you use market data over product data. Market data is factual information that can be found by anyone doing research. Product data is information developed by your company or yourself to sell your product.                  Prospects are only interested in product data when they are looking to purchase your type of product at that moment. Everyone is interested in market data if you could show them how they can benefit from the information.

All purchases made on client’s behalf will be billed to client. In all cases, such prices will reflect a markup of ___%. Charges for sales tax, insurance, storage, and shipping and handling are additional to the price of each purchase. In the event client purchases materials, services, or any items other than those specified by the designer, the designer is not liable for the cost, quality, workmanship, condition, or appearance of such items. Schedule of Payment Hourly Rate: Regular billing periods (bimonthly, monthly) based on hours consumed or periodic approval points. Fee Billing: ___ percent upon project commencement, ___ percent following completion of concept development, ___ percent upon completion of design development, ___ percent upon completion of production, ___ percent upon completion of implementation. Invoices are payable upon receipt. Termination Policy Client and Designer may terminate project based upon mutually agreeable terms to be determined in writing, either prior to signing of this proposal or within the final Client-Designer Contract. Term of Proposal The information contained in this proposal is valid for 30 days. Proposals approved and signed by the Client are binding upon the Designer and Client beginning on the date of Client’s signature. If the information in this Proposal meets with Client’s approval, Client’s signature below authorizes Designer to begin work. Kindly return a signed copy of this Proposal/Agreement to Designer’s office. Designer Signature _____________ Print Designer Name _____________ Date _____________ Client Signature _____________ Print Client Name _____________ Date _____________

Insurance Corporation), to provide the concerned ministries with the necessary information to improve their policies. Prevention of Complaints with Complaint Forecast and Prediction Service

Mortgage Workouts Even if you don’t qualify for any of the government loan modification programs or your lender doesn’t agree to participate, you may be able to arrange a “mortgage workout.” A workout is any agreement you make with the lender that changes how you pay the delinquency on your mortgage or otherwise keeps you out of foreclosure. Many lenders require this formal process even for short-term fixes. Here are some workout options your lender might agree to: • Spread repayment of missed payments over a few months. For example, if your monthly payment is $1,000 and you missed two payments ($2,000), the lender might let you pay $1,500 for four months. • Reduce or suspend your regular payments for a specified time, and then add a portion of your overdue amount to your regular payments later on. • Extend the length of your loan and add the missed payments at the end. • For a period of time, suspend the amount of your monthly payment that goes toward the principal and only require payment of interest, taxes, and insurance. • Let you sell the property for less than you owe the lender and waive the rest. This is called a “short sale.” It’s best to start the workout negotiations as early as possible. But before you contact the lender about a workout, you should prepare information about your situation, including: • a reasonable budget for the

He cupped her face. “He’s an asshole. You’re better off without him. Let’s never speak of him again.” She laughed. “Sorry. I’m tired and that guy demanding to find my husband because he was sleeping with his wife brought it all up for me again.” “You were hit by a car, you had your past thrown in your face, it’s late, and you’re tired. Why don’t you go change, and I’ll sweep up the glass and take care of boarding up the window. If you give me your insurance information, I’ll call them first thing in the morning and start your claim and have a new sliding door put in as soon as possible.” “You don’t have to do all that.” “I want to. This wouldn’t have happened if not for my client. Let me do this. It’s the least I can do.” “You’ll find the information in my office.” She pointed to the closed door off the living room. “Bottom drawer of the desk in the file marked insurance.” He smiled to lighten things and teased, “An organized woman. Dangerous creatures.” “Yes, well, stay out of the other stuff. There be dragons with sharp teeth who’ll burn your ass for snooping through my papers.” He laughed. “Not the trusting sort, are you?” “I’ve been burned already.” “I’m not out to hurt you, honey. Just help you.” “You can’t be that good looking and not have some flaws.” Her cheeks blazed red. He laughed again. “I’ve got plenty of flaws, but none that will bite you on the ass. Unless you want me to,” he teased. “Because it’s a fine ass, and I wouldn’t mind.” -Owen & Claire

not put in place, one wonders how insurance and pharmaceutical companies will treat our grandchildren if they have genetic information about them, perhaps even before they are even conceived. Insurance

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Rush Limbaugh nailed it on his broadcast: “Obamacare is not about improved healthcare or cheaper insurance or better treatment or insuring the uninsured, and it never has been about that. It’s about statism. It’s about expanding the government. It’s about control over the population. It is about everything but healthcare.” Obamacare is just one part of the unwanted, unnecessary, unaffordable fundamental transformation of America hoisted upon us; its premise is unquestionable government control over a free people. Limbaugh’s message echoes that of early nineteenth-century minister William John Henry Boetcker: “You cannot strengthen the weak by weakening the strong. . . . You cannot build character and courage by taking away man’s initiative and independence. . . . You cannot help men permanently by doing for them what they could and should do for themselves.” Good leaders understand that the ills of our economy and our society won’t be solved by a bigger, more intrusive government. The answer to restoring America is to restore her values of freedom, hard work, and individual initiative. SWEET FREEDOM IN Action Today, get more informed about how big government is antithetical to America’s foundational principles. Work to elect leaders who promise (and then deliver!) to rein in government, repeal Obamacare, and return power to the people, who can make better decisions for themselves, their families, and their businesses than bureaucrats ever will.   DAY 92

A recent survey of private US health care facilities estimated that the support staff of hospital physicians spends nineteen hours a week interacting with insurance providers in prior authorizations, while clerical staff spend thirty-six hours a week filing claims. The cost of interactions between private health care providers and private insurance providers was estimated to be $68,000 per physician per year, totaling a whopping $31 billion per year—equivalent to the GDP of the Dominican Republic in 2005.22 The interaction costs in 1999 for the entire health care system, including private and public, were estimated on the low end to be $31 billion and on the high end to be $294 billion—which is comparable to the present day GDP of Singapore or Chile.

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

A great part of the cultural energy of poor farming societies has always been devoted to suppressing experimentation. This repression, in effect, was their substitute for insurance policies. If they had insurance, or sufficient savings to self-insure their experiments, such strong social taboos would not be needed to help ensure survival.

Bonus: fill in the “in case of emergency” (ICE) info in your phone so that in case anything happens to you, your emergency contacts will be informed immediately. Most phones enable your emergency contact info to be accessed when your phone is locked.

By putting themselves at the mercy of the village head-man, a peasant family improved its chances of benefiting from the regular redistribution of fields. Not infrequently, the headman would take the best fields for himself and his favorites. But that was a risk that peasants had to tolerate in order to enjoy the survival insurance

Insuring the liberty that nourishes democracy requires a structuring of societal use of information and even permitting some concealment of information

If I’ve learned anything over the fifteen years I’ve investigated the CIA in Vermont, I’ve learned that CIA has the power to keep certain information covered up. Social Security was likely a victim of the cover up. I learned an interesting piece of information a few years ago about how CIA insures that certain activities remain secret. The scenario goes something like this: CIA briefs Governors, Congressman and Senators on classified programs, insuring that the official can never speak publicly about the information. The penalty for doing so is treason. I suspect that this method goes a long way in keeping certain CIA activities quiet. I’m sure there are situations when this is vital to national security, but using these methods to keep Americans from knowing about CIA illegal activities conducted on American soil is a whole other ballgame.

The IoT market grows rapidly and it’s acceleration will continue in all major areas like Industrial Internet of Things; Digital Enterprise; Internet of Healthcare; Internet of Energy; Internet of Education; Digitalisation of global Supply Chains. Security concerns add to the IoT complexity. Strategically, to assure the system’s reliability & data / knowledge engineering, it is important to insure data integrity, availability, traceability, and privacy. A complex problem of digital transformation globally. The Internet of Things cybersecurity, therefore, is not a matter of device self-defence. What is needed is a systemic approach. Identify underlying patterns. Secure elements of a chain: from security of a device that creates, captures your data.. to the data storage.. to the back-end storage.. Create/ join IoT ecosystems, driven by protection with external monitoring, detection and reaction systems. It is a challenge - to secure systems.

Life’s too short to wallow in the weeds! There are thousands of stocks to choose from. Some investors do build a career around digging into the minutiae in the footnotes. For banking and insurance analysts, it’s mandatory. But as a portfolio manager who didn’t own Enron stock, I didn’t need it. Disclosure is a wonderful thing, but I’ve never had good luck with complex corporate structures that require massive information statements. Not infrequently, companies with complex corporate structures or opaque disclosures are trying to hide something.

Every American should be able to expect certain standards, freedoms, benefits, and opportunities form a twenty-first-century health system. If they are willing to participate and be responsible, they will gain: •Improved health; •Longer lives with a much better quality of life; •A more convenient, understandable and personalized experience -- all at a lower cost; •Access to the best course of treatment for their particular illness and their unique characteristics; •A system that fosters and encourages innovation, competition, and better outcomes for patients; •A system that truly values the impact that medical innovation has on patients and their caregivers as well as on society as a whole; •A government that facilitates and accelerates extraordinary opportunities to improve health and health care; •Continuous but unobtrusive 24/7 monitoring of their general health, chronic conditions, and acute health problems; •Access to the most modern medical knowledge and breakthroughs, including the most advanced technologies, therapies and drugs, unimpeded by government-imposed price controls or rationing; •The chance to increase their personal knowledge by learning from a transparent system of information about their diagnosis, costs and alternative solutions; •A continuously improving, competitive, patient-focused medical world in which new therapies, new technologies, and new drugs are introduced as rapidly and safely as possible -- and not a day later; •Greater price and market competition, innovation and smarter health care spending; •A system of financing that includes insurance, government, charities, and self-funding that ensures access to health and health care for every American at the lowest possible cost without allowing financing and short-term budgetary considerations to distort and weaken the delivery of care; •Genuine insurance to facilitate access to dramatically better care, rather than the current system, which is myopically focused on monthly or annual payments; •A health system in which third parties and government bureaucrats do not impede the best course of treatment that doctors and their patients decide on; •A health system in which seniors, veterans, or others under government health programs receive the same quality of care as their children in private markt systems. Big reforms are required to transform today’s expensive, obsolete health bureaucracy into a system that conforms to these principles.

Perhaps less pernicious but still worrisome is reliance on “wellness” programs, which most medium to large employers in the United States have, despite the fact that, overall, they have not been validated to promote health outcomes. Typically, a wellness program combines step counting, weight and blood pressure readings, and cholesterol lab tests, as well as some incentive for employees to participate (such as a surcharge on an employee’s contribution to the cost of insurance). But wellness is poorly defined, and the cost effectiveness of such strategies has been seriously questioned.50 One way such programs could be improved, however, is through the use of virtual medical coaches, which could gather and make use of far more granular and deeper information about each individual.

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

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

So what are the implications of this study? One is pragmatic. If you’re running a campaign, you shouldn’t worry about offending the 30 percent of the population whose brains can’t process information from your side of the aisle unless their lives depend on it (e.g., after an attack on the U.S. mainland). If you’re a Republican, your focus should be on moving the 10 to 20 percent of the population with changeable minds to the right and bringing your unbending 30 percent to the polls. Republican strategists in fact have had no trouble branding Northern Californians and Northeasterners “latte-drinking liberals.” They know their own party’s kitchen doesn’t have room for a latte maker, and that scalding the other side can bring a little froth to the mouths of their own voters. The implications for Democrats should be equally clear: Stop worrying about offending those who consider Pat Robertson and Jerry Falwell moral leaders because their minds won’t bend to the left. Indeed, the failure of the Democratic Party for much of the last decade to define itself in opposition to anyone or anything has created a Maxwell House Majority convinced that the only coffee the Democrats are capable of brewing is lukewarm and tepid—tested by pollsters to insure that it’s not too hot or too strong—and served up with stale rhetoric. And they’re right.

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Emergency Situations - Not Preventable 1. How would my business be impacted if I couldn’t be there tomorrow or needed to take a temporary leave? 2. Who could I call to help? (Write down names & numbers) 3. What’s my written emergency policy for clients? Include refund policy if applicable. Example: I always try to provide my clients with the best service available. However, emergencies do happen. I value your business, but I am a solo business owner and I want to prepare for every eventuality. In case of an emergency situation, I will inform you as soon as possible that I will not be able to [insert your specific service]. I have contracted [insert name and/or company] to step in if I am not available. My refund policy is [for example: full refund within 30 days]. My emergency policy is: 4. Who would I need to inform about an unexpected schedule change? (Write down names & numbers) 5. What resources would I need to get through an emergency? For example, insurance, bank accounts, etc. Do NOT put down account numbers if this plan will not be secured. Just list where the information can be accessed or a phone number. Standard

information could destroy health insurance systems,

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We've been informed and have seen other landlords' property insurance get canceled when an insurance representative has found these animals on the insured property: Pit Bulls Rottweilers German Shepherd Husky—Alaskan Malamute Doberman Pinscher Chow Great Dane St. Bernard Akita Wolf Hybrids And they continue to add more animals.

as numerous individual colored folders, one for each of the following categories: • Insurance info • Mortgage info • Purchase docs • Monthly income statements • Bank statements • Tenant interactions • Rehab and maintenance • Tenant files • Receipts • Miscellaneous paperwork This way, each property will have one overarching folder file, as well as several color-coded folders for easy retrieval of information. Need insurance docs for 123 Main Street? Oh, that’s in the 123 Main Street file, red folder.

Interestingly, Freeman describes a set of circumstances in which the unstructured group can, in fact, work: It is task oriented. Its function is very narrow and very specific, like putting on a conference or putting out a newspaper. It is the task that basically structures the group. The task determines what needs to be done and when it needs to be done. It provides a guide by which people can judge their actions and make plans for future activity. It is relatively small and homogeneous. Homogeneity is necessary to insure that participants have a “common language” for interaction. People from widely different backgrounds may provide richness to a consciousness-raising group where each can learn from the others’ experience, but too great a diversity among members of a task-oriented group means only that they continually misunderstand each other. Such diverse people interpret words and actions differently. They have different expectations about each other’s behavior and judge the results according to different criteria. If everyone knows everyone else well enough to understand the nuances, they can be accommodated. Usually, they only lead to confusion and endless hours spent straightening out conflicts no one ever thought would arise. There is a high degree of communication. Information must be passed on to everyone, opinions checked, work divided up, and participation assured in the relevant decisions. This is only possible if the group is small and people practically live together for the most crucial phases of the task. Needless to say, the number of interactions necessary to involve everybody increases geometrically with the number of participants. This inevitably limits group participants to about five, or excludes some from some of the decisions. Successful groups can be as large as 10 or 15, but only when they are in fact composed of several smaller subgroups which perform specific parts of the task, and whose members overlap with each other so that knowledge of what the different subgroups are doing can be passed around easily. There is a low degree of skill specialization. Not everyone has to be able to do everything, but everything must be able to be done by more than one person. Thus no one is indispensable. To a certain extent, people become interchangeable parts. Here

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This came into play recently in a partnership between an Australian supermarket and an auto insurance company. Combining data from the supermarket’s loyalty card program with auto claims information revealed interesting correlations. The data showed that people who buy red meat and milk are good car insurance risks while people who buy pasta and spirits and who fuel their cars at night are poor risks. Though this statistical relationship could be an indicator of risky behaviors (driving

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The ideas behind Bitcoin and blockchain technology give us a new starting point from which to address this problem. That’s because the question of who controls our data should stem first from a more fundamental question about who or what institutions we must trust in order to engage in commerce, obtain services, or participate in modern society. We see compelling arguments for a complete restructuring of the world’s data security paradigm. And it starts with thinking about how Internet users can start to directly trust each other, so as to avoid having to pour so much information into the centralized hubs that currently sit in the middle of their online relationships. Solving data security may first require a deliberate move from what we call the centralized trust model to one of decentralized trust. In an age when technology is supposed to be lowering the cost of entry, the outdated centralized trust-management system has proven expensive and restrictive (think about the 2 billion people in the world who are unbanked). It has also failed—spectacularly. Even though the world spent an estimated $75 billion on cybersecurity in 2015, according to estimates by Gartner, total annual losses from online fraud theft were running at $400 billion that year, said Inga Beale, CEO of British insurance market Lloyd’s of London. If you’re alarmed by that figure—and you ought to be—try this one on for size: $2.1 trillion. That’s the estimated fraud loss Juniper Research came up with after extrapolating from current trends into the even more digitally interconnected world projected for 2019. To put that figure in perspective, at current economic growth rates, it would represent more than 2.5 percent of total world GDP.

Information is power, she thought as she walked away. And everyone needs an insurance policy, don't they?

China is also believed to be behind hacks of Anthem insurance (80 million records), Marriott (400 million records), and Equifax’s 146 million credit records covering nearly every adult in America.78 All of this information can be used to blow intelligence covers and identify and pressure vulnerable targets to betray the United States.79 It’s an intelligence bonanza for Beijing and a nightmare for Washington—the largest and most sophisticated intelligence database ever collected against an adversary. “You have to kind of salute the Chinese for what they did,” noted Director of National Intelligence James Clapper after the OPM breach.80 From an intelligence perspective, it was a masterstroke.

Wellness programs offer important benefits, but these data policies underscore the less visible and more dangerous privacy risks they pose.82 Most are exempt from traditional health data privacy regulations. The Health Insurance Portability and Accountability Act of 1996 (known as HIPAA), for example, protects individuals’ identifiable health information in the United States. But it doesn’t apply when employers offer workplace wellness programs directly rather than in connection with their group health plans. Without laws preventing them from using the data collected through wellness programs, employers can mine the data they collect, which many do with abandon.83 Employers learn everything that employees share in the questionnaires and online surveys they complete as part of these programs, from what prescription drugs they use to whether they voted and when they stopped filling their birth control prescriptions.84 And employers are using that data in increasingly more intrusive ways.

Progressive tackled risk assessment in a different way, building a massive database with more granular indicators that better predicted the probability of accidents. It used this data to spot the good risks in pools that looked like bad drivers to other insurers. For example, among drivers cited for drinking, those with children were least likely to reoffend; among motorcyclists, Harley owners aged forty-plus were likely to ride their bikes less often. Progressive used information like this to set prices so that even the worst customers could be profitable.

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

Maybe Sloan would agree to a deal. I’d talk to someone about some of my issues if she would agree to go to grief counseling. It wasn’t me giving in to Josh like she wanted, but Sloan knew how much I hated therapists, and she’d always wanted me to see someone. I was debating how to pitch this to her when I glanced into the living room and saw it—a single purple carnation on my coffee table. I looked around the kitchen like I might suddenly find someone in my house. But Stuntman was calm, plopped under my chair. I went in to investigate and saw that the flower sat on top of a binder with the words “just say okay” written on the outside in Josh’s writing. He’d been here? My heart began to pound. I looked again around the living room like I might see him, but it was just the binder. I sat on the sofa, my hands on my knees, staring at the binder for what felt like ages before I drew the courage to pull the book into my lap. I tucked my hair behind my ear and licked my lips, took a breath, and opened it up. The front page read “SoCal Fertility Specialists.” My breath stilled in my lungs. What? He’d had a consultation with Dr. Mason Montgomery from SoCal Fertility. A certified subspecialist in reproductive endocrinology and infertility with the American Board of Obstetrics and Gynecology. He’d talked to them about in vitro and surrogacy, and he’d had fertility testing done. I put a shaky hand to my mouth, and tears began to blur my eyes. I pored over his test results. Josh was a breeding machine. Strong swimmers and an impressive sperm count. He’d circled this and put a winking smiley face next to it and I snorted. He’d outlined the clinic’s high success rates—higher than the national average—and he had gotten signed personal testimonials from previous patients, women like me who used a surrogate. Letter after letter of encouragement, addressed to me. The next page was a complete breakdown on the cost of in vitro and information on Josh’s health insurance and what it covered. His insurance was good. It covered the first round of IVF at 100 percent. He even had a small business plan. He proposed selling doghouses that he would build. The extra income would raise enough money for the second round of in vitro in about three months. The next section was filled with printouts from the Department of International Adoptions. Notes scrawled in Josh’s handwriting said Brazil just opened up. He broke down the process, timeline, and costs right down to travel expenses and court fees. I flipped past a sleeve full of brochures to a page on getting licensed for foster care. He’d already gone through the background check, and he enclosed a form for me, along with a series of available dates for foster care orientation classes and in-home inspections. Was this what he’d been doing? This must have taken him weeks. My chin quivered. Somehow, seeing it all down on paper, knowing we’d be in it together, it didn’t feel so hopeless. It felt like something that we could do. Something that might actually work. Something possible. The last page had an envelope taped to it. I pried it open with trembling hands, my throat getting tight. I know what the journey will look like, Kristen. I’m ready to take this on. I love you and I can’t wait to tell you the best part…Just say okay. I dropped the letter and put my face into my hands and sobbed like I’d never sobbed in my life. He’d done all this for me. Josh looked infertility dead in the eye, and his choice was still me. He never gave up. All this time, no matter how hard I rejected him or how difficult I made it, he never walked away from me. He just changed strategies. And I knew if this one didn’t work he’d try another. And another. And another. He’d never stop trying until I gave in. And Sloan—she knew. She knew this was here, waiting for me. That’s why she’d made me leave. They’d conspired to do this.

Thus Virginia ceded the vital functions of shipping and trade finance to cities in the North. Functions for trading hubs required the type of work known today as white collar: coordinating logistics, arranging for insurance, negotiating trade terms, extending trade capital, maintaining wholesale facilities, and others. Trading spawned other activity. Trading ports were the prime conduits of information, the aggregate of which Adam Smith would call the “invisible hand” of the market: information used by entrepreneurs and businessmen to adjust their activity to maximize profit. The more dynamic the information flow, the more fluid the opportunities were to profit from the shifting tides of the market. The more fluid the opportunities, the easier it was for new entrants and upstarts to make a name. Eventually this would lead to a far wider and greater set of urban opportunities in the North than in the single-crop colonies of the South.

The next time you go to the supermarket, look closely at a can of peas. Think about all the work that went into it—the farmers, truckers, and supermarket employees, the miners and metalworkers who made the can—and think how miraculous it is that you can buy this can for under a dollar. At every step of the way, competition among suppliers rewarded those whose innovations shaved a penny off the cost of getting that can to you. If God is commonly thought to have created the world and then arranged it for our benefit, then the free market (and its invisible hand) is a pretty good candidate for being a god. You can begin to understand why libertarians sometimes have a quasi-religious faith in free markets. Now let’s do the devil’s work and spread chaos throughout the marketplace. Suppose that one day all prices are removed from all products in the supermarket. All labels too, beyond a simple description of the contents, so you can’t compare products from different companies. You just take whatever you want, as much as you want, and you bring it up to the register. The checkout clerk scans in your food insurance card and helps you fill out your itemized claim. You pay a flat fee of $10 and go home with your groceries. A month later you get a bill informing you that your food insurance company will pay the supermarket for most of the remaining cost, but you’ll have to send in a check for an additional $15. It might sound like a bargain to get a cartload of food for $25, but you’re really paying your grocery bill every month when you fork over $2,000 for your food insurance premium. Under such a system, there is little incentive for anyone to find innovative ways to reduce the cost of food or increase its quality. The supermarkets get paid by the insurers, and the insurers get their premiums from you. The cost of food insurance begins to rise as supermarkets stock only the foods that net them the highest insurance payments, not the foods that deliver value to you. As the cost of food insurance rises, many people can no longer afford it. Liberals (motivated by Care) push for a new government program to buy food insurance for the poor and the elderly. But once the government becomes the major purchaser of food, then success in the supermarket and food insurance industries depends primarily on maximizing yield from government payouts. Before you know it, that can of peas costs the government $30, and all of us are paying 25 percent of our paychecks in taxes just to cover the cost of buying groceries for each other at hugely inflated costs. That, says Goldhill, is what we’ve done to ourselves. As long as consumers are spared from taking price into account—that is, as long as someone else is always paying for your choices—things will get worse.

Relocating internationally can be a thrilling adventure, but it’s not without its challenges. The logistics involved in international moving are more complex than domestic moves, requiring careful planning and execution. To ensure a smooth transition to your new home, here are ten essential tips for international moving. 1. Start Early Begin the planning process well in advance. International moves involve extensive paperwork, visa applications, and scheduling with international moving companies. Start at least six months before your intended move date. 2. Declutter and Organize Before packing, declutter your belongings. Dispose of items you no longer need or use. This not only reduces the cost of moving but also helps you start fresh in your new home. 3. Research International Moving Companies Select a reputable international moving company with experience in your destination country. Read reviews, ask for referrals, and obtain quotes from multiple companies. Choose one that offers comprehensive services and competitive rates. 4. Understand Customs Regulations Familiarize yourself with the customs regulations of your destination country. Different countries have varying rules about what you can bring with you. Be prepared to fill out detailed customs forms. 5. Documentation Ensure all your important documents are in order. This includes passports, visas, medical records, and any necessary permits. Keep physical copies as well as digital backups. 6. Packing Strategy Use sturdy, high-quality packing materials to protect your belongings during transit. Label boxes clearly and create an inventory list. Pack essential items separately for easy access upon arrival. 7. Insurance Consider purchasing international moving insurance to protect your possessions during the move. Verify what is covered and ensure it meets your needs. 8. Currency and Banking Set up a bank account in your new country before you move. Also, consider having some local currency on hand for immediate expenses upon arrival. 9. Learn About Your New Home Research your destination thoroughly. Understand the local culture, language, and basic laws. Knowing what to expect can ease the transition. 10. Stay Organized Keep all your moving-related paperwork, receipts, and contact information in one place. This will be invaluable if any issues arise during your international move. Bonus Tip: Stay Positive! Moving internationally can be stressful, but maintaining a positive attitude can make a world of difference. Embrace the adventure and view it as an opportunity for personal growth and exploration. Conclusion International moving is a significant undertaking that requires careful planning and thorough research.

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

Estate-Planning Checklist (for each of you) • Up-to-date will • Healthcare proxy • Power of attorney • Living will • HIPAA form •  List of what you are bequeathing • Legacy requests •  Where your important documents are kept • What assets you have • Where your accounts are located • Account numbers, PINs, and passwords •  Names of trusted people who know where your car keys, house keys, and safe deposit box keys are kept • Important names and contact information: ○ Attorney/financial adviser/CPA ○ Insurance broker ○ Healthcare providers ○ Estate attorney ○ Bank name and branch office location ○ Safe deposit box location and number

The forest, I believe, will stay with Bert as he ages. It is a deep terrain, a place of unending variance and subtle meaning. It is a complete sensory environment, whispering with sounds that nourish rather than enervate, with scents that carry information more significant than 'nasty' or 'nice.' It is different each time you meet it, changing with the seasons, the weather the life cycles of its inhabitants. It is marked by history and mythologies; stories effortlessly spin from its depths. It is safe from the spite of suburban playgrounds, and dangerous in a way that insurance won't indemnify. Dig beneath its soil, and you will uncover layers of life: the frail networks of mycelia, the burrows of animals, the roots of trees. Bring questions into this space and you will receive a reply, though not an answer. Deep terrain offers up multiplicity, forked paths, symbolic meaning. It schools you in compromise, in shifting interpretation. It will mute your rationality and make you believe in magic. It removes time from the clock face and revelas the greater truth of its operation, its circularity and its vastness. It will show you rocks of unfathmoable age and bursts of life so ephemeral that they are barely there. It will show you the crawl of geological ages, the gradual change of the seasons, and the countless micro-seasons that happen across the year. It will demand your knowledge: the kind of knowledge that comes with study. Know it--name it--and it will reward you only with more layers of detail, more frustrating revelations of your own ignorance. A deep terrain is a life's work. It will beguile, nourish, and sustain you through decades, only to finally prove to you, too, are ephemeral compared to the rocks and the trees.

about the insurance and he felt his face grow red again. He’d reacted like a child with a new toy, running off at the first impulse, not pausing long enough to reflect or to check the information they did have available to them. He knew it was by now standard policy to suspect the spouse in any case of suspicious death, but he should have trusted his instinct about

During an interview with Diversity Inc.’s director of research and product development, she walked me through a typical presentation used to pitch the value of the company’s software to prospective clients. I learned that their products are especially valuable to those industries not allowed to collect ethno-racial data directly from individuals because of civil rights legislation that attempts to curb how these data are used to discriminate. But now those who work in finance, housing, and healthcare can use predictive software programs to ascertain information that they cannot request directly. The US Health Insurance Portability and Accountability Act (HIPAA) privacy rule, for example, strictly monitors the collection, storage, and communication of individuals’ “protected health information,” among other features of the law. This means that pharmaceutical companies, which market to different groups, need indirect methods to create customer profiles, because they cannot collect racial-ethnic data directly. This is where Diversity Inc. comes in. Its software programs target customers not only on the basis of race and ethnicity, but also on the basis of socioeconomic status, gender, and a growing list of other attributes. However, the company does not refer to “race” anywhere in their product descriptions. Everything is based on individuals’ names, we are told. “A person’s name is data,” according to the director of research and product development. She explains that her clients typically supply Diversity Inc. with a database of client names and her team builds knowledge around it. The process, she says, has a 96 percent accuracy rate, because so many last names are not shared across racial–ethnic groups – a phenomenon sociologists call “cultural segregation.”18

The Financologist is a blog that focuses on topics about personal and business finance. Here you'll find plenty of information to help you make better financial decisions and improve your financial well-being. Whether it be budgeting, financial planning, insurance, we have answers for you. For those in a higher income level, financing your retirement using life insurance can be a terrific strategy for tax-free income at retirement. Contact us to see if you qualify. Phone: (888) 306-8895 Business email: mss@thefinancologist.com

Taiwan30 has used its National Health Insurance powerful IT to provide near real-time information on expenditures and utilization to prevent unnecessary expenditure. There is also a panel review system of medical records to keep healthcare costs down, whilst maintaining the quality of healthcare.

It is common for one party to a transaction to have better information than another party. In the parlance of economists, such a case is known as an information asymmetry. We accept as a verity of capitalism that someone (usually an expert) knows more than someone else (usually a consumer). But information asymmetries everywhere have in fact been gravely wounded by the Internet. Information is the currency of the Internet. As a medium, the Internet is brilliantly efficient at shifting information from the hands of those who have it into the hands of those who do not. Often, as in the case of term life insurance prices, the information existed but in a woefully scattered way. (In such instances, the Internet acts like a gigantic horseshoe magnet waved over an endless sea of haystacks, plucking the needle out of each one.) The Internet has accomplished what even the most fervent consumer advocates usually cannot: it has vastly shrunk the gap between the experts and the public. The Internet has proven particularly fruitful for situations in which a face-to-face encounter with an expert might actually exacerbate the problem of asymmetrical information—situations in which an expert uses his informational advantage to make us feel stupid or rushed or cheap or ignoble. Consider a scenario in which your loved one has just died and now the funeral director (who knows that you know next to nothing about his business and are under emotional duress to boot) steers you to the $8,000 mahogany casket. Or consider the automobile dealership: a salesman does his best to obscure the car’s base price under a mountain of add-ons and incentives. Later, however, in the cool-headed calm of your home, you can use the Internet to find out exactly how much the dealer paid the manufacturer for that car. Or you might just log on to TributeDirect.com and buy that mahogany casket yourself for only $3,595, delivered overnight.

Your Last Will and Testament • Estate Plan • Name and Contact Information of Executor • Contact Information for Attorney and Accountant • Deeds and Titles for all Assets • Life Insurance Account Numbers and Contact Information • Bank Account Numbers and Contact Information • Retirement Accounts and Contact Information • Credit Card Accounts and Contact Information • List of Regular Bills, especially those on autopay • List of Mileage Accounts and Other Loyalty/Reward Programs • Comprehensive List of Passwords

HealthcareBluebook.com or FairHealthConsumer.org to see if the prices are fair. The Bluebook site gathers payment information from employers who fund their own health plans and publishes what it calls its fair price for a service or procedure. The Fair Health site does something similar, but its data comes from what insurers pay.

Identify items that seem likely to change. If the requirements have been done well, they include a list of potential changes and the likelihood of each change. In such a case, identifying the likely changes is easy. If the requirements don't cover potential changes, see the discussion that follows of areas that are likely to change on any project. Separate items that are likely to change. Compartmentalize each volatile component identified in step 1 into its own class or into a class with other volatile components that are likely to change at the same time. Isolate items that seem likely to change. Design the interclass interfaces to be insensitive to the potential changes. Design the interfaces so that changes are limited to the inside of the class and the outside remains unaffected. Any other class using the changed class should be unaware that the change has occurred. The class's interface should protect its secrets. Here are a few areas that are likely to change: Business rules. Business rules tend to be the source of frequent software changes. Congress changes the tax structure, a union renegotiates its contract, or an insurance company changes its rate tables. If you follow the principle of information hiding, logic based on these rules won't be strewn throughout your program. The logic will stay hidden in a single dark corner of the system until it needs to be changed.

I also quickly came to appreciate the importance of watching what’s said around clients. When clients make unexpected requests for legal advice – as they often do – I learned that it was better to tell them I’d get back to them with an answer, and go away, research the question, and consult with a supervising attorney, rather than firing back an answer off-the-cuff. A friend of mine at another firm told me a story that illustrates the risks of saying too much. It seems an insurance company had engaged my friend’s California-based firm to help in defending against an environmental claim. This claim entailed reviewing huge volumes of documents in Arizona. So my friend’s firm sent teams of associates to Arizona, all expenses paid, on a weekly basis. Because the insurance company also sent its own lawyers and paralegals, as did other insurance companies who were also defendants in the lawsuit, the document review facility was often staffed with numerous attorneys and paralegals from different firms. Associates were instructed not to discuss the case with anyone unless they knew with whom they were speaking. After several months of document review, one associate from my friend’s firm abandoned his professionalism and discretion when he began describing to a young woman who had recently arrived at the facility what boondoggles the weekly trips were. He talked at length about the free airfare, expensive meals, the easy work, and the evening partying the trips involved. As fate would have it, the young woman was a paralegal working for the insurance company – the client who was paying for all of his “perks” – and she promptly informed her superiors about his comments. Not surprisingly, the associate was fired before the end of the month. My life as an associate would have been a lot easier if I had delegated work more freely. I’ve mentioned the stress associated with delegating work, but the flip side of that was appreciating the importance of asking others for help rather than doing everything myself. I found that by delegating to paralegals and other staff members some of my more tedious assignments, I was free to do more interesting work. I also wish I’d given myself greater latitude to make mistakes. As high achievers, law students often put enormous stress on themselves to be perfect, and I was no different. But as a new lawyer, I, of course, made mistakes; that’s the inevitable result of inexperience. Rather than expect perfection and be inevitably disappointed, I’d have been better off to let myself be tripped up by inexperience – and focus, instead, on reducing mistakes caused by carelessness. Finally, I tried to rely more on other associates within the firm for advice on assignments and office politics. When I learned to do this, I found that these insights gave me either the assurance that I was using the right approach, or guidance as to what the right approach might be. It didn’t take me long to realize that getting the “inside scoop” on firm politics was crucial to my own political survival. Once I figured this out, I made sure I not only exchanged information with other junior associates, but I also went out of my way to gather key insights from mid-level and senior associates, who typically knew more about the latest political maneuverings and happenings. Such information enabled me to better understand the various personal agendas directing work flow and office decisions and, in turn, to better position myself with respect to issues and cases circulating in the office.

Carlton Church - Natural Disaster Survival Kit Floods, earthquakes, tsunamis, super typhoons and fires. These types of news appear more frequently within this year than the previous ones. Old people nowadays even complain of the changing world, followed by endless accounts of peaceful living during their time. Are these all effects of global warming? Is our Mother Earth now starting to get angry of what we, humans, have done to its resources? Perhaps. We can never predict when a disaster would strike our home. And since you are still reading this, it is safe to assume that you are still able breathe and live your life. The best thing we can do right now is prepare. There is no use panicking only when the warning arrives. It is better to give gear up now and perhaps survive a few more years. Preparation should not be too extravagant. And it doesn’t have to be a suitcase filled with gas masks and whatnot. Remember that on the face of disaster, having a large baggage would be more of a burden that survival assistance. Pack light. You’ll only need a few of the following things: 1. Gears, extra batteries and supplies. Multi-purpose tool/knife, moist towelettes, dust masks, waterproof matches, needle and thread, compass, area maps, extra blankets and sleeping bags should all should be part of your emergency supply kit. It is also important to bring extra charge for your devices. There are back-up universal batteries available for most cell phones that can offer an extra charge. 2. Important paperwork and insurance documents. When tsunami hit Japan last 2011, all documents were washed up resulting to chaos and strenuous recovery operations. Until now, many citizens linger in the streets of Tokyo in the hopes that most technologically advanced city in the world can reproduce certificates, diplomas and other legal and important written document stolen by water. This is why copies of personal documents like a medication list, proof of address, deed/lease to home, and insurance papers, extra cash, family photos and emergency contact information should be included in your survival kits. 3. First Aid Kit Store your first aid supplies in a tool box or fishing tackle box so they will be easy to carry and protected from water. Inspect your kit regularly and keep it freshly stocked and do not use cheap and fraudulent ones. It is also helpful to note important medical information and most prescriptions that can be tucked into your kit. Medical gauges, bandages, Hydrogen peroxide to wash and disinfect wounds, individually wrapped alcohol swabs and other dressing paraphernalia should also be useful. Read more at: carltonchurch.org

Shel Israel has been a diabetic for many years, jabbing his finger a few times every day to measure his blood sugar. Every six months he brings his glucose meter to his endocrinologist, who extracts and analyzes the data. His pharmacist recently informed him that a new California law requires him to share his data with them as well or his insurance coverage will be dropped, raising the monthly cost from about $8.25 to about $165. Who is behind this law?

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FIGURE 5.1 Buying and closing checklist. 1. Identify a potential bargain purchase; ask questions. 2. Write down the one urgent problem you can solve for the seller. 3. Establish the fair market value, give or take 5 percent. 4. Research the market rent and likely net income the property will produce. 5. State your minimum acceptable profit on this house. 6. Formulate an offer that solves the seller's one urgent problem. 7. Make the offer. Insist on either an acceptance or a counteroffer (Don't tell me what you won't do; tell me what you will do). 8. Make another offer based on any new information. 9. If the seller is unresponsive but you remain convinced there is opportunity, go away and come back in a week with another offer. 10. Get the contract accepted-signed by all parties. 11. Make your earnest money deposit with the closing agent. 12. Retain rights to house inspector and termite inspector if needed. 13. Order a title search with a title company, attorney, or escrow company, and furnish these agents a copy of your fully signed contract. 14. Talk with the agent or attorney who will prepare the closing documents to alert him to any unusual clauses in the contract. 15. Get copies of any documents you will be required to sign the day before the closing, and get a copy of the title insurance commitment-read to check for exceptions. 16. Read closing documents (very carefully!!!). 17. Walk through the house the day of the closing after the sellers are completely out of the house. 18. Go to the closing, review the documents, and collect the appropriate items listed on the closing documents list, and get the keys and garage door opener. Note: When you are buying, take your time. Time is on your side. Having both the buyers and the sellers at the closing can work to your advantage. When you are selling, sign documents in advance. Only go to pick up your check after the buyer has signed everything and left. Source: Reprinted from John Schaub, "Making It Big on Little Deals," seminar by permission

On January 2, 1956 President Tubman’s staff informed the American Ambassador, General Richard Lee Jones, that the Soviet delegation had sent him a note stating that the Soviets wanted to exchange diplomatic relations with Liberia. His response was that the United States would be gravely concerned if the Government of Liberia accepted a diplomatic mission in Monrovia, and that such a mission would be a blow to the internal stability of Liberia. Tubman agreed with Jones but told the Ambassador that he had already set up a meeting with them set for January 6th, however he insured Jones that he would not allow the Soviets into Liberia. He said that, “Although Liberia had an open door policy; it was prepared to do business only with the democratic countries whose businessmen would have to stand on their own two feet without any interference from their governments.

Fiscal Numbers (the latter uniquely identifies a particular hospitalization for patients who might have been admitted multiple times), which allowed us to merge information from many different hospital sources. The data were finally organized into a comprehensive relational database. More information on database merger, in particular, how database integrity was ensured, is available at the MIMIC-II web site [1]. The database user guide is also online [2]. An additional task was to convert the patient waveform data from Philips’ proprietary format into an open-source format. With assistance from the medical equipment vendor, the waveforms, trends, and alarms were translated into WFDB, an open data format that is used for publicly available databases on the National Institutes of Health-sponsored PhysioNet web site [3]. All data that were integrated into the MIMIC-II database were de-identified in compliance with Health Insurance Portability and Accountability Act standards to facilitate public access to MIMIC-II. Deletion of protected health information from structured data sources was straightforward (e.g., database fields that provide the patient name, date of birth, etc.). We also removed protected health information from the discharge summaries, diagnostic reports, and the approximately 700,000 free-text nursing and respiratory notes in MIMIC-II using an automated algorithm that has been shown to have superior performance in comparison to clinicians in detecting protected health information [4]. This algorithm accommodates the broad spectrum of writing styles in our data set, including personal variations in syntax, abbreviations, and spelling. We have posted the algorithm in open-source form as a general tool to be used by others for de-identification of free-text notes [5].

Retirement Lifestyle Planning There are four (4) major financial questions that you must be able to answer in order to know if your current or future plan will work for you. What rate of return do you have to earn on your savings and investment dollars to be able to retire at your current standard of living and have your money last through your life expectancy? How much do you need to save on a monthly or annual basis to be able to retire at your current standard of living and your money last your life expectancy? Doing what you are currently doing, how long will you have to work to be able to retire and live your current lifestyle till life expectancy? If you don’t do anything different than you are doing today, how much will you have to reduce your standard of livingat retirement for your money to last your life expectancy? Motto for Retirement Lifestyle Planning A solid financial plan is a powerful possession that offers a sense of peace and freedom. Our process allows us to determine appropriate strategies and help you understand how to achieve your goals and live your dreams. Our process stresses informed financial decision making. We encourage you to review all decisions with your team of tax and legal professionals. For the record, we are not tax or legal professionals and this information is not intended as tax or legal advice. Now we’d like to remind you that a well-executed financial plan requires diverse knowledge and utilizes some or all of the following strategies and services: -Retirement Lifestyle Planning Making the most of your employer-sponsored retirement plans and IRAs. Determining how much you need to retire comfortably. Managing assets before and during retirement including Social Security analysis. -Estate Planning Referring you to qualified Estate Attorneys to review your wills and trusts to help preserve your estate for your intended heirs by helping with beneficiary designations. Reducing exposure to estate taxes and probate costs. Coordinating with your tax and legal advisors. -Tax Management Helping to reduce your current and future tax burden by considering multiple strategies for review by your tax professional.Also, referring you to qualified tax specialists if needed. -Legacy Planning/Charitable Planning Creating a solid future for generations to come by ensuring that your legacy will live on through those you love or causes you care deeply about. -Risk Management Reviewing existing insurance policies. Recommending policy changes when appropriate. Finding the best policy for your individual wants and needs. -Investment Planning Determining your asset allocation needs. Helping you understand your risk tolerance. Recommending the appropriate investment vehicles to help you reach and exceed your goals.

Know who will be assuming the risk in advance. Talk to your insurance agent first and get informed as to exactly what will be covered when you rent vans. You have made an investment in your agent as your expert. Follow the advice given and do not deviate. While the decision to accept or decline the extra coverage products will ultimately be yours, you should arm yourself so that the rental firm cannot just sell you everything in their arsenal without you realizing it. Call the rental office in advance and get an explanation of the coverage products. Decide before pickup!

Get Educated About Acupuncture With These Simple To Follow Tips Acupuncture can be a great experience for people that are informed about the process and the benefits that can result. Rather than assuming that acupuncture will be very uncomfortable or painful, keep reading on to find out the truth. The tips in this article should give you some clarity about the process! Make sure you contact your insurance company prior to scheduling acupuncture appointments. There may be some treatments or specific programs that are covered and others that your insurance company might not pay for. Prior to treatment, check out insurance issues with both your insurance company and the acupuncturist. If you are nervous about acupuncture, and you are not sure if it is right for you, do not be afraid to ask questions. Believe it or not, one of the most common inquiries is whether or not the acupuncturist practices a painless style of treatment. Your fears may be eased when you hear some of the answers. Some vitamins or supplements should be stopped if you are starting acupuncture treatments. Ask your specialist if there should be any certain medications or vitamins that you stop taking before the treatments begin. You don't want to inadvertently stall your progress. It is always important that you feel comfortable with the person preforming acupuncture on you. Being uncomfortable and remaining tense through the treatments can end up being counterproductive to your therapy. Find an acupuncturist that you feel totally comfortable with and once you do, stick with that person. You can even give other people referrals. Herbs Talk to a doctor about anything you are taking if you plan on having acupuncture treatments. If you are currently taking medication, herbs, or supplements, you need to speak to your doctor about what you can continue to take. They may have to make changes to what you're taking before or in between your acupuncture treatments. Ask your acupuncturist if there are certain herbs you should consume in between sessions. Remember, this is a holistic practice. There are many different things to it compared to Western medicine. Herbs are a big part of it. They can help relax your body and remove any sort of pain left over from your session. Acupuncturists often recommend herbal treatments prior to a session. These herbs can benefit you, but they may either have side effects or wreak havoc with your current medication. Speak to your main doctor prior to taking herbal supplements so as not to cause problems. Are you currently taking any medications, vitamins, or herbs? If so, get in touch with your doctor and ask him whether or not you can continue to take these things before and during your acupuncture sessions. You would hate for your acupuncture sessions to be less effective because you did not know you weren't supposed to take any of these things. If you want to try acupuncture and you have not heard that much about it, you can learn more about the process by reading about it or asking friends. However, the tips in this article should have given you some idea on how it works. Now you can make the decision about going through with it, if it's right for you!

Get Educated About Acupuncture With These Simple To Follow Tips Acupuncture can be a great experience for people that are informed about the process and the benefits that can result. Rather than assuming that acupuncture will be very uncomfortable or painful, keep reading on to find out the truth. The tips in this article should give you some clarity about the process! Make sure you contact your insurance company prior to scheduling acupuncture appointments. There may be some treatments or specific programs that are covered and others that your insurance company might not pay for. Prior to treatment, check out insurance issues with both your insurance company and the acupuncturist. If you are nervous about acupuncture, and you are not sure if it is right for you, do not be afraid to ask questions. Believe it or not, one of the most common inquiries is whether or not the acupuncturist practices a painless style of treatment. Your fears may be eased when you hear some of the answers. Some vitamins or supplements should be stopped if you are starting acupuncture treatments. Ask your specialist if there should be any certain medications or vitamins that you stop taking before the treatments begin. You don't want to inadvertently stall your progress. It is always important that you feel comfortable with the person preforming acupuncture on you. Being uncomfortable and remaining tense through the treatments can end up being counterproductive to your therapy. Find an acupuncturist that you feel totally comfortable with and once you do, stick with that person. You can even give other people referrals. Herbs Talk to a doctor about anything you are taking if you plan on having acupuncture treatments. If you are currently taking medication, herbs, or supplements, you need to speak to your doctor about what you can continue to take. They may have to make changes to what you're taking before or in between your acupuncture treatments. Ask your acupuncturist if there are certain herbs you should consume in between sessions. Remember, this is a holistic practice. There are many different things to it compared to Western medicine. Herbs are a big part of it. They can help relax your body and remove any sort of pain left over from your session. Acupuncturists often recommend herbal treatments prior to a session. These herbs can benefit you, but they may either have side effects or wreak havoc with your current medication. Speak to your main doctor prior to taking herbal supplements so as not to cause problems. Are you currently taking any medications, vitamins, or herbs? If so, get in touch with your doctor and ask him whether or not you can continue to take these things before and during your acupuncture sessions. You would hate for your acupuncture sessions to be less effective because you did not know you weren't supposed to take any of these things. If you want to try acupuncture and you have not heard that much about it, you can learn more about the process by reading about it or asking friends. However, the tips in this article should have given you some idea on how it works by visit rosholistic.com

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HIPAA is probably the most ironic acronym in healthcare. It stands for the Health Insurance Portability and Accountability Act. Although HIPAA has succeeded largely in making health information more “accountable,” it is usually the first excuse for not making it portable.

The forest, I believe, will stay with Bert as he ages. It is a deep terrain, a place of unending variance and subtle meaning. It is a complete sensory environment, whispering with sounds that nourish rather than enervate, with scents that carry information more significant than “nasty” or “nice.” It is different each time you meet it, changing with the seasons, the weather, the life cycles of its inhabitants. It is marked by history and mythologies; stories effortlessly spin from its depths. It is safe from the spite of suburban playgrounds, and dangerous in a way that insurance won’t indemnify. Dig beneath its soil, and you will uncover layers of life: the frail networks of mycelia, the burrows of animals, the roots of trees. Bring questions into this space and you will receive a reply, though not an answer. Deep terrain offers up multiplicity, forked paths, symbolic meaning. It schools you in compromise, in shifting interpretation. It will mute your rationality and make you believe in magic. It removes time from the clock face and reveals the greater truth of its operation, its circularity and its vastness. It will show you rocks of unfathomable age and bursts of life so ephemeral that they are barely there. It will show you the crawl of geological ages, the gradual change of the seasons, and the countless micro-seasons that happen across the year. It will demand your knowledge: the kind of knowledge that’s experiential, the kind of knowledge that comes with study. Know it—name it—and it will reward you only with more layers of detail, more frustrating revelations of your own ignorance. A deep terrain is a life’s work. It will beguile, nourish, and sustain you through decades, only to finally prove that you, too, are ephemeral compared to the rocks and the trees.

Note: The first incident happened after the arrest by the Netherlands police in May 1980. I suffered from that, which destroyed my career, future, health, and life. I tried and tried to investigate that, but the police didn't even register the first information report (FIR). It stayed, refusing since 1980 until now, which creates suspicious questions about what the reasons are for not filing the case. It mirrors whether the Netherlands government victimised me or whether the hired ones of the international intelligence agencies have been a hindrance or the criminal groups. - The second incident happened in the shape of uncurable cancer; it was a deliberate mistake and ignorance of the Netherlands Urologists, who did not follow even the primary medical borderlines for the checkup during one year from 2016 to 2017. After the diagnosis, they are hiding the reality, and they still do not take it seriously. I still hope that the Netherlands' neutral and free media will awaken to help me investigate the incident. It will save millions of lives around the world. In God's name, take it seriously to protect me and others. I feel suspicious elements around me. I cry and pray day and night for God's protection since I do not exclude the Qadeyanis witches and magicians, who keep doing black magic continuously that the West does not understand. My Real Story In A Poem *** I never thought I would suffer from cancer The metastatic prostate gland I still cannot decide that It is natural or human-made Since everything is possible In the medical-criminal world How it happened in Western society; Civilized urologists ignored it deliberately From 2016 to 2017 Telling that nothing was wrong Whereas I was suffering from Bleeding, burning, and pain During urinating I begged urologists for a wide-scale checkup With MRI scans and other new technologies But urologists stayed rejecting; Whereas I was paying insurance for that Consequently, at the beginning of 2017 The diagnosis became a time bomb that I had metastatic prostate gland cancer, Which was not curable, They listed me on the death list, Treating for longer life expectancy However, they do tell not the truth And stay suspicious It confuses me and creates grave fear Since then I am bearing terrible side effects Factually, I became victimized twice By criminals, Intelligence Agencies And underground-mafias Which I am unable to trace alone In this regard, I approached Western Media, Ministries, police, courts, Euro Union Unfortunately, none of those responded Even my motherland media cruelly ignored It seems as if I am in the grip of the demon And The Prisoner Of The Hague Everyone has left me alone in pain, Stress, fear, depression Even my children don't care And realize my tears Where resides sympathy, empathy, And humanity? I feel death before death It is a silent cruelty Ah, where should I ask and beg For justice, help, and investigation That civilized world should know An innocent is under victimization I believe God will help and protect And someone from somewhere Appear to hold my hands To eliminate all criminals and demons My cancer will be curable With a longer life expectancy, in some ways Amen, O' merciful God amen.

10 Steps Process Requirement So that we can get a clear picture of your current financial position and your future lifestyle desires our 10-step process requires 2 meetings. Meeting #1 include steps 1 through 5 and should take no longer than 45 minutes. If in meeting #1 we determine that what we do fit with what you are looking for, you will receive 2 very short questionnaires to complete and we will then schedule meeting #2. The first is a very short and simple financial questionnaire. The second is an online communication profile that assesses how you like to be communicated to and how you naturally approach or respond to problems, information, change and risk. Both are very important to us moving forward. They help us be more effective in how we communicate your data to you. Meeting #2 include steps 6 – 10 and should take no longer than one (1) hour. In this meeting we will identify areas in which you are losing money unknowingly and unnecessarily. We will customize appropriate wealth strategies to help you become more efficient in your finances so that you can achieve your goals and objectives.