Insurance Claims Quotes

Remember this. The people you're trying to step on, we're everyone you depend on. We're the people who do your laundry and cook your food and serve your dinner. We make your bed. We guard you while you're asleep. We drive the ambulances. We direct your call. We are cooks and taxi drivers and we know everything about you. We process your insurance claims and credit card charges. We control every part of your life. We are the middle children of history, raised by television to believe that someday we'll be millionaires and movie stars and rock stars, but we won't. And we're just learning this fact. So don't fuck with us.

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

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

Paperwork is the religion of the Civil Service. I can just imagine Sir Humphrey Appleby on his deathbed, surround by wills and insurance claim forms, looking up and saying, 'I cannot go yet, God, I haven't done the paperwork.

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

Can you imagine what I’m going to have to write on the insurance claim form? Attacked by aliens and blood sucking vampire things.” “I don’t think that would go down well!” “Yeah, I may have to come up with another, more plausible scenario.” “Attacked by Big Foot instead?” He chuckled. “Yeah, much more believable.

She had a lot of nerve signing her note "Love." [...] But she did sign it that way: "Love." What did that mean? Did she mean it, or was it habit? She probably signed all of her letters with "Love." Dear Insured, We are sorry but your policy will not pay for your barium enema as it was done for recreational purposes. Love, Jody. Claims Dept... Maybe not.

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

But a woman raising her children is not only shaping the next generation, she is also shaping little humans who are going to live forever. The souls she gave birth to are immortal. Immortal. And somehow, our culture looks at a woman who treats that as if it might be an important task and says, “It’s a shame she’s wasting herself. She could be doing something important—like filing paperwork for insurance claims.

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

The insurance companies involved had all claimed that this was, by any reasonable standards, an act of God. But, Dirk had argued, which god? Britain was constitutionally a Christian monotheistic state, and therefore any “act of God” defined in a legal document must refer to the Anglican chap in the stained glass and not to some polytheistic thug from Norway.

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

Dad was probably right about that. He was an insurance claims adjuster, and he told me once that the only pure accident he ever heard of was a man in Arizona who was killed when a meteor hit him in the head.

Remember this,” Tyler said. "The people you’re trying to step on, we’re everyone you depend on. We’re the people who do your laundry and cook your food and serve your dinner. We make your bed. We guard you while you’re asleep. We drive the ambulances. We direct your call. We are cooks and taxi drivers and we know everything about you. We process your insurance claims and credit card charges. We control every part of your life. "We are the middle children of history, raised by television to believe that someday we’ll be millionaires and movie stars and rock stars, but we won’t. And we’re just learning this fact,” Tyler said. "So don’t fuck with us.

Love this description of minor character, Lou Zicutto: "Lou was branch claims manager of the mammoth insurance company where Decker worked part-time as an investigator. Lou was a spindly little twit, maybe a hundred twenty pounds, but he had a huge florid head, which he shaved every day. As a result he looked very much like a Tootsie Pop with lips.

His professional expertise—before defecting to South Korea in 2003—was managing a state-run global insurance fraud. It collected hundreds of millions of dollars from some of the world’s largest insurance companies on falsified claims for industrial accidents and natural disasters inside North Korea. And it funneled most of the money to the Dear Leader.

If you’re not trusted to work remotely, why are you trusted to do anything at all? If you’re held in such low regard, why are you able to talk to customers, write copy for an ad, design the next product, assess insurance claims, or do tax returns?

With the managed care movement of the 1980s and 1990s, insurance companies cut costs and reduced what services they’d pay for. They required that patients give up their longtime physicians for those on a list of approved providers. They negotiated lower fees with doctors. To make up the difference, primary care docs had to fit more patients into a day. (A Newsweek story claimed that to do a good job a primary care doctor ought to have a roster of eighteen hundred patients. The average load today is twenty-three hundred, with some seeing up to three thousand.)

Sarah Aisling: I can’t defend against these charges because I can’t afford a litigator. But I can’t afford a litigator because I’ve been charged. Judge: You should have had insurance against contract suits. Sarah Aisling: I did. Judge: So what’s the problem? Sarah Aisling: They canceled my insurance when I filed the claim. Judge: So sue them! Sarah Aisling: I can’t, I don’t have a litigator. Judge: That’s very cute, Mrs. Aisling.

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

I take pride in the fact that I work in this industry and whenever I am asked what I do, I simply say that, I am paid to do good. I feel every individual considering a career in insurance must take cognizance of this great social responsibility as this profoundly sets aside insurance as a profession.

The bottom line is that you shouldn’t hire people you don’t trust, or work for bosses who don’t trust you. If you’re not trusted to work remotely, why are you trusted to do anything at all? If you’re held in such low regard, why are you able to talk to customers, write copy for an ad, design the next product, assess insurance claims, or do tax returns?

All the insurance companies use ha-ha ads to get eyeballs, but the laughing stops once the insured files a claim.

The motivation for taking on debt is to buy assets or claims rising in price. Over the past half-century the aim of financial investment has been less to earn profits on tangible capital investment than to generate “capital” gains (most of which take the form of debt-leveraged land prices, not industrial capital). Annual price gains for property, stocks and bonds far outstrip the reported real estate rents, corporate profits and disposable personal income after paying for essential non-discretionary spending, headed by FIRE [Finance, Insurance, Real Estate]-sector charges.

From now on, I’m telling everyone I meet I’m in insurance. Or I’m a car dealer. Better yet—a Republican. That way, when they accuse me of doing the Devil’s work, at least there will be some validity to their claims.

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

Our feet have been planted upon this sacred soil for a wise purpose. This land has been dedicated for the blessing of mankind. The Constitution and the laws that have been enacted under its provisions are calculated to insure liberty, not license, to all who dwell here. This church with which we are identified stands, if it stands for anything, for the perpetuation of the liberties of all mankind. We should not listen to those who find pleasure in teaching sedition. Neither should we follow those who claim to be citizens of this land, who go about violating the laws that govern it. There are many who are failing to do their duty as citizens who have the right of franchise, but who are unworthy of that blessing that has come to those who live in this wonderful country.

At Wauchope there’s a Big Bull,” he added. I raised my eyebrows in a way that said, “Oh, yes?” He nodded fondly. “Its testicles swing in the breeze.” “It has testicles?” I said, impressed. “I’ll say. If they fell on you, you wouldn’t get up in a hurry.” We took an extended moment to savor this image. “It would make an interesting insurance claim, I suppose,” I observed at last. “Yeah!” He liked this idea, too. “Or a newspaper headline: ‘Man crushed by falling bollocks.’” “By falling bullock’s bollocks,” I offered. “Yeah!” We

The only bill not overdue was for my health insurance. That’s because I don’t have any. Never have. Based on the figure the federal government claims is the average monthly cost of health coverage for someone like me who is self-employed, I’ve saved about $200,000 since opening Spirits in Clay. I

Remember this. The people you're trying to step on, we're everyone you depend on. We're the people who do your laundry and cook your food and serve your dinner. We make your bed. We guard you while you're asleep. We drive the ambulances. We direct your call. We are cooks and taxi drivers and we know everything about you. We process your insurance claims and credit card charges. We control every part of your life. We are the middle children of history, raised by television to believe that someday we'll be millionaires and movie stars and rock stars, but we won't. And we're just learning this fact. So don't fuck with us.

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

Matters of judgment differ from matters of opinion or taste, in which unresolved differences are entirely acceptable. The insurance executives who were shocked by the result of the noise audit would have no problem if claims adjusters were sharply divided over the relative merits of the Beatles and the Rolling Stones, or of salmon and tuna.

Ironically, many of the institutions that run the economy, such as medicine, education, law and even psychology are largely dependent upon failing health. If you add up the amounts of money exchanged in the control, anticipation and reaction to failing health (insurance, pharmaceutical research and products, reactive or compensatory medicine, related legal issues, consultation and therapy for those who are unwilling to improve their physical health and claim or believe the problem is elsewhere, etc.), you end up with an enormous chunk. To keep that moving, we need people to be sick. Then we have the extreme social emphasis placed on the pursuit and maintenance of a lifestyle based on making money at any cost, often at the sacrifice of health, sanity and well-being.

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.

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

After the first lot of policyholders universally claimed to have lost their cattle, they decided that in order to claim that an animal had died, the owner would need to show the ear of the dead cow. The result was a robust market in cows’ ears: Any cow that died, insured or not, would have its ear cut off and the ear would then be sold to those who had insured a cow. That way they could claim the insurance and keep their cow. In

Measured according to the goals set out in the preamble, the Founders’ Constitution is a worse disaster than the Articles. It does not create a more perfect union: eleven states secede, thirteen if you accept the Confederate claims to Missouri and Kentucky. It does not insure domestic tranquility: Americans kill more Americans than any foreign enemy ever has, some three-quarters of a million dead. It brings the blessings of liberty to the Founders, but to their posterity the curse of war.

it was England that shone as Hamilton’s true lodestar in public finance. Back in the 1690s, the British had set up the Bank of England, enacted an excise tax on spirits, and funded its public debt—that is, pledged specific revenues to insure repayment of its debt. During the eighteenth century, it had vastly expanded that public debt. Far from weakening the country, it had produced manifold benefits. Public credit had enabled England to build up the Royal Navy, to prosecute wars around the world, to maintain a global commercial empire. At the same time, government bonds issued to pay for the debt galvanized the economy, since creditors could use them as collateral for loans. By imitating British practice, Hamilton did not intend to make America subservient to the former mother country, as critics claimed. His objective was to promote American prosperity and self-sufficiency and make the country ultimately less reliant on British capital. Hamilton wanted to use British methods to defeat Britain economically.

I have often witnessed this at hospital billing counters, where salaried or reasonably well to do people typically have a health insurance to take care of their bills, while a common man loses out. In such a pesky situation, these commoners are compelled to either take loans or sell their personal assets to be able to afford a reasonable medical treatment. Lack of home insurance has always been another concern. People lose out on their entire life’s savings when their homes get whisked away due to calamities.

There are many well-known arguments for why the Holocaust perpetrated by the Nazis was different. It was higher tech. Death came faster. It was industrial in its scale. All true. But it’s also true that every holocaust is different. Every genocide has its own particular characteristics, and every hated group is hated in its own special way. By sheer numbers of dead, the genocide of Indigenous peoples in the Americas surpasses all others. In terms of modern technologies, the transatlantic trade in kidnapped and enslaved Africans, and the plantations the trade served in the antebellum South and the Caribbean, were highly modern for their times. So cutting-edge, scholars have shown, that the systems developed to transport, insure, depreciate, track, control, and extract maximum wealth from this coerced labor shaped many aspects of modern accounting and human resources management. And as Rinaldo Walcott, a scholar of race and gender, writes in his manifesto On Property, “The ideas forged in the plantation economy continue to shape our social relations.” Among those social relations are modern policing, mass surveillance, and mass incarceration. On what else does the claim to exceptionalism rest?

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

Another roadblock to opting for an insurance cover amongst the customers is that in case they do not claim, they get nothing back in return to the premium they invested. Hence they consider insurance to be a dead investment. They need to be educated that insurance is more like a social cause. Insurance by its very principles is collection of money by many to pay to a few, in their times of distress. Rather than considering it to be a passive investment, it should be treated as an active social participation where you are securing yourself as well as helping others in their direst times of need. Then it has a higher meaning and everyone feels good to be a part of it.

In 1936 the Inland Exploration Company of New York obtained a concession over more than two hundred thousand square miles of Western Afghanistan; the same “interests” had also secured a concession on Persian soil, thus insuring that no rival could tap their underground naphtha from across the border. But could the boring machines be brought so far and the oil be piped to Chahbar on the Indian Ocean across more than a thousand miles of desert? A five-year contract had promised twenty per cent of the benefits to the Afghans; but two years later the company had suddenly given up its claim. Some people say that the Americans were frightened by the oil-expropriation that took place in Mexico.

The early estimate matters because it sets an implicit goal for the adjuster in future negotiations with the claimant. The insurance company is also legally obligated to reserve the predicted cost of each claim (i.e., to have enough cash to be able to pay it). Here again, there is a Goldilocks value from the perspective of the company. A settlement is not guaranteed, as there is an attorney for the claimant on the other side, who may choose to go to court if the offer is miserly. On the other hand, an overly generous reserve may allow the adjuster too much latitude to agree to frivolous demands. The adjuster’s judgment is consequential for the company—and even more consequential for the claimant.

A large literature going back several decades has documented noise in professional judgment. Because we were aware of this literature, the results of the insurance company’s noise audit did not surprise us. What did surprise us, however, was the reaction of the executives to whom we reported our findings: no one at the company had expected anything like the amount of noise we had observed. No one questioned the validity of the audit, and no one claimed that the observed amount of noise was acceptable. Yet the problem of noise—and its large cost—seemed like a new one for the organization. Noise was like a leak in the basement. It was tolerated not because it was thought acceptable but because it had remained unnoticed.

So to you Elsa Greer spoke in the words of Juliet?’ ‘Yes. She was a spoiled child of fortune-young, lovely, rich. She found her mate and claimed him-no young Romeo, a married, middle-aged painter. Elsa Greer had no code to restrain her, she had the code of modernity. “Take what you want-we shall only live once!’ He sighed, leaned back, and again tapped gently on the arm of his chair. ‘A predatory Juliet. Young, ruthless, but horribly vulnerable! Staking everything on the one audacious throw. And seemingly she won…and then-at the last moment-death steps in-and the living, ardent, joyous Elsa died also. There was left only a vindictive, cold, hard woman, hating with all her soul the woman whose hand had done this thing.’ His voice changed: ‘Dear, dear. Pray forgive this little lapse into melodrama. A crude young woman-with a crude outlook on life. Not, I think, an interesting character.Rose white youth, passionate, pale, etc. Take that away and what remains? Only a somewhat mediocre young woman seeking for another life-sized hero to put on an empty pedestal.’ Poirot said: ‘If Amyas Crale had not been a famous painter-’ Mr Jonathan agreed quickly. He said: ‘Quite-quite. You have taken the point admirably. The Elsas of this world are hero-worshippers. A man must havedone something, must be somebody…Caroline Crale, now, could have recognized quality in a bank clerk or an insurance agent! Caroline loved Amyas Crale the man, not Amyas Crale the painter. Caroline Crale was not crude-Elsa Greer was.

Bank-friendly writers and lobbyists fostered a myth that the economy needed its investment banks to remain solvent to keep the economy functioning. But many former officials, including Bair, SIGTARP‘s Neil Barofsky, and Reagan Administration budget director David Stockman, rejected the claims that public guarantees for reckless bank loans was needed to protect insured depositors. Retail savings and checking accounts were never threatened by the bad gambles that banks made. But this myth had to be promoted in order for Paulson, Geithner Bernanke and other bank protectors to persuade Congress to overrule Bair and make government (“taxpayers”) pay. Their aim was to save the banks from being nationalized, and to protect bankers from being prosecuted for fraud or reining in the exorbitant salaries and bonuses they had given themselves. No attempt was made to change the system that had led to the crash. If

Take the New York–based Lemonade, arguably the best funded of today’s crowdsurance startups. Via an app, Lemonade brings together small groups of policyholders who pay premiums into a central “claim pool.” Artificial intelligence does the rest. The entire experience is mobile, simple, and fast. Ninety seconds to get insured, three minutes to get a claim paid, and zero paperwork. Adding more technology to this arrangement, companies like the Swiss firm Etherisc sell “bespoke insurance products” on the Ethereum blockchain. Because smart contracts remove the need for employees, paperwork, and all the rest, all sorts of new insurance products are being created. Etherisc’s first offering is something not covered by traditional insurers: flight delays and cancellations. Individuals sign up via credit card, and if their plane is more than forty-five minutes late, they’re paid instantly, automatically, and without the need for any paperwork.

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

On the face of it, society has little use for depressive realism or indeed for any significant negativity, and certainly spurns any Zerzanian agenda. DR’s evangelism of bleakness is not wanted here. However, a large literature exists arguing for the benefits of learning from negativity and failure (e.g. Ormerod, 2005; Feltham, 2012). Much of this is disingenuous platitude and management hype, but some of it concentrates on the importance of failure in specific, critical circumstances. Insurance professionals must calculate risk, and accident investigators have to learn from black boxes the causes of airplane crashes. In more philosophical terms, Scruton (2010) draws on Schopenhauer’s concept of ‘unscrupulous optimism’ to identify its various fallacies. He argues that we should ‘look with irony and detachment on our actual condition’ (p. 232, italics added), instead of succumbing to the lure of Leftist ‘junk thought.’ Everyone claims to learn something from negatives and DR ‘prophets’ are those most likely to speak the unpopular negatives.

I’m telling you, you bastard, you’re going to pay for that rum. In gold or goods, I don’t care which.” “Captain Mallory.” Gray’s baritone was forbidding. “And I apply that title loosely, as you are no manner of captain in my estimation…I have no intention of compensating you for the loss of your cargo. I will, however, accept your thanks.” “My thanks? For what?” “For what?” Now O’Shea entered the mix. “For saving that heap of a ship and your worthless, rum-soaked arse, that’s what.” “I’ll thank you to go to hell,” the gravelly voice answered. Mallory, she presumed. “You can’t just board a man’s craft and pitch a hold full of spirits into the sea. Right knaves, you lot.” “Oh, now we’re the knaves, are we?” Gray asked. “I should have let that ship explode around your ears, you despicable sot. Knaves, indeed.” “Well, if you’re such virtuous, charitable gents, then how come I’m trussed like a pig?” Sophia craned her neck and pushed the hatch open a bit further. Across the deck, she saw a pair of split-toed boots tied together with rope. Gray answered, “We had to bind you last night because you were drunk out of your skull. And we’re keeping you bound now because you’re sober and still out of your skull.” The lashed boots shuffled across the deck, toward Gray. “Let me loose of these ropes, you blackguard, and I’ll pound you straight out of your skull into oblivion.” O’Shea responded with a stream of colorful profanity, which Captain Grayson cut short. “Captain Mallory,” he said, his own highly polished boots pacing slowly, deliberately to halt between Mallory’s and Gray’s. “I understand your concern over losing your cargo. But surely you or your investor can recoup the loss with an insurance claim. You could not have sailed without a policy against fire.” Gray gave an ironic laugh. “Joss, I’ll wager you anything, that rum wasn’t on any bill of lading or insurance policy. Can’t you see the man’s nothing but a smuggler? Probably wasn’t bound for any port at all. What was your destination, Mallory? A hidden cove off the coast of Cornwall, perhaps?” He clucked his tongue. “That ship was overloaded and undermanned, and it would have been a miracle if you’d made it as far as Portugal. As for the rum, take up your complaint with the Vice Admiralty court after you follow us to Tortola. I’d welcome it.

When we get down to potential versus reality in relationships, we often see disappointment, not successful achievement. In the Church, if someone creates nuclear fallout in a calling, they are often released or reassigned quickly. Unfortunately, we do not have that luxury when we marry. So many of us have experienced this sad realization in the first weeks of our marriages. For example, we realized that our partner was not going to live up to his/her potential and give generously to the partnership. While fighting the mounting feelings of betrayal, we watched our new spouses claim a right to behave any way they desired, often at our expense. Most of us made the "best" of a truly awful situation but felt like a rat trapped in maze. We raised a family, played our role, and hoped that someday things would change if we did our part. It didn't happen, but we were not allowed the luxury of reassigning or releasing our mates from poor stewardship as a spouse or parent. We were stuck until we lost all hope and reached for the unthinkable: divorce. Reality is simple for some. Those who stay happily married (the key word here is happily are the ones who grew and felt companionship from the first days of marriage. Both had the integrity and dedication to insure its success. For those of us who are divorced, tracing back to those same early days, potential disappeared and reality reared its ugly head. All we could feel, after a sealing for "time and all eternity," was bound in an unholy snare. Take the time to examine the reality of who your sweetheart really is. What do they accomplish by natural instinct and ability? What do you like/dislike about them? Can you live with all the collective weaknesses and create a happy, viable union? Are you both committed to making each other happy? Do you respect each other's agency, and are you both encouraging and eager to see the two of you grow as individuals and as a team? Do you both talk-the-talk and walk-the-walk? Or do you love them and hope they'll change once you're married to them? Chances are that if the answer to any of these questions are "sorta," you are embracing their potential and not their reality. You may also be embracing your own potential to endure issues that may not be appropriate sacrifices at this stage in your life. No one changes without the internal impetus and drive to do so. Not for love or money. . . . We are complex creatures, and although we are trained to see the "good" in everyone, it is to our benefit to embrace realism when it comes to finding our "soul mate." It won't get much better than what you have in your relationship right now.

Sharply the menacing wind sweeps over The bending poplars, newly bare, And the dark ribbons of the chimneys Veer downward; flicked by whips of air. Torn posters flutter; coldly sound The boom of trams and the rattle of hooves, And the clerks who hurry to the station Look, shuddering, over the eastern rooves, Thinking, each one, "Here comes the winter! "Please God I keep my job this year!" And bleakly, as the cold strikes through Their entrails like an icy spear, They think of rent, rates, season tickets, Insurance, coal, the skivvy's wages, Boots, school-bills and the next installment Upon the two twin beds from Drage's. For if in careless summer days In groves of Ashtaroth we whored, Repentant now, when winds blow cold, We kneel before our rightful lord; The lord of all, the money-god, Who rules us blood and hand and brain, Who gives the roof that stops the wind, And, giving, takes away again; Who spies with jealous, watchful care, Our thoughts, our dreams, our secret ways, Who picks our words and cuts our clothes, And maps the pattern of our days; Who chills our anger, curbs our hope. And buys our lives and pays with toys, Who claims as tribute broken faith, Accepted insults, muted joys; Who binds with chains the poet's wit, The navvy's strength, the soldier's pride, And lays the sleek, estranging shield Between the lover and his bride.

The proof that the One Stone Solution is political lies in what women feel when they eat “too much”: guilt. Why should guilt be the operative emotion, and female fat be a moral issue articulated with words like good and bad? If our culture’s fixation on female fatness or thinness were about sex, it would be a private issue between a woman and her lover; if it were about health, between a woman and herself. Public debate would be far more hysterically focused on male fat than on female, since more men (40 percent) are medically overweight than women (32 percent) and too much fat is far more dangerous for men than for women. In fact, “there is very little evidence to support the claim that fatness causes poor health among women…. The results of recent studies have suggested that women may in fact live longer and be generally healthier if they weigh ten to fifteen percent above the life-insurance figures and they refrain from dieting,” asserts Radiance; when poor health is correlated to fatness in women, it is due to chronic dieting and the emotional stress of self-hatred. The National Institutes of Health studies that linked obesity to heart disease and stroke were based on male subjects; when a study of females was finally published in 1990, it showed that weight made only a fraction of the difference for women that it made for men. The film The Famine Within cites a sixteen-country study that fails to correlate fatness to ill health. Female fat is not in itself unhealthy.

Contrary to “the mantra,” White supremacists are the ones supporting policies that benefit racist power against the interests of the majority of White people. White supremacists claim to be pro-White but refuse to acknowledge that climate change is having a disastrous impact on the earth White people inhabit. They oppose affirmative-action programs, despite White women being their primary beneficiaries. White supremacists rage against Obamacare even as 43 percent of the people who gained lifesaving health insurance from 2010 to 2015 were White. They heil Adolf Hitler’s Nazis, even though it was the Nazis who launched a world war that destroyed the lives of more than forty million White people and ruined Europe. They wave Confederate flags and defend Confederate monuments, even though the Confederacy started a civil war that ended with more than five hundred thousand White American lives lost—more than every other American war combined. White supremacists love what America used to be, even though America used to be—and still is—teeming with millions of struggling White people. White supremacists blame non-White people for the struggles of White people when any objective analysis of their plight primarily implicates the rich White Trumps they support. White supremacist is code for anti-White, and White supremacy is nothing short of an ongoing program of genocide against the White race. In fact, it’s more than that: White supremacist is code for anti-human, a nuclear ideology that poses an existential threat to human existence.

This is why, from this point on, no debt will be paid off. It can at best be bought back at a knock-down price and put back on to a debt market — the public sector borrowing requirement, the national debt, th e world deb t — having once again become an exchange value. It is unlikely the debt will ever be called in, and this is what gives it its incalculable value. For, suspended as it is in this way, it is our only insurance against time. Unlike the countdown, whic h signifies th e exhaustion of time, the indefinitely deferred debt is our guarantee that time itself is inexhaustible. Now, we very much need assuring about time in this way at the very poin t whe n the future itself is tendin g to be wholly consume d in real time . Clearing the debt, balancing up the books, writing off Third World debt — these are things not even to be contemplated. It is only the disequilibrium of the debt, its proliferation, its promise of infinity, which keeps us going. The global, planetary debt clearly has no meaning in traditional terms of obligation and credit. On the other hand, it is our true collective claim on each other — a symbolic claim, by whic h persons, companies and nations find themselves bound to one another through lack. Each is bound to the other (even the banks) by their virtual bankruptcy , as accomplices are bound by their crime. All assured of existing for each other in the shade of a debt which cannot be settled or written off, since the repayment of the accumulated world debt would take far more than the funds available. The only sense of it, then, is to bind all civilized human beings into the same destiny as creditors. Just as nuclear weapons, stockpiled across the world to a point of considerable planetary overkill, have no other meaning than to bind all human beings into a single destiny of threat and deterrence.

Since a slaver’s insurance covered the mortality of slaves at a predetermined percentage rate of anywhere between 5 to 25 percent, it was not uncommon for captains to throw overboard a mortally ill or deceased slave to protect the rest of the human cargo and crew from infection. Insurance policies written for slaving vessels stated that payment for the mortality of “black cargo” would not be honored unless the loss of a predetermined percentage of slaves had been documented.40 For example, an insurance policy established that a captain could collect on a policy if 25 percent of his cargo died. If a captain lost a small number of slaves to disease, it would not be cost effective for him to throw additional slaves overboard in order to file an insurance claim. Instead, the captain would take every precaution to maintain the health of the remainder of his cargo, as the sale of the slaves yielded a higher profit margin than the payment from an insurance policy unless the entire vessel was lost.

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

Thrive supports a radical transformation that would bring about a world in which public schools, universities, the social safety net, and even basic public infrastructures like roads and utilities have all been privatized. Instead of police, we would have private security forces. As Foster Gamble, creator of Thrive, states, “Private security works way better than the state” (especially if they are hired to specifically protect just you and your entourage). The civil court systems, which have provided the foundation for justice for the Anglo-American civilization since the Magna Carta, would be abolished in favor of private courts, in which competing legal claims would be adjusted against our personal legal insurance. The outcomes might be less desirable if you can’t afford your private legal insurance bill.

Business Processes Business processes are the operational activities performed by your organization, such as taking an order, processing an insurance claim, registering students for a class, or snapshotting every account each month. Business process events generate or capture performance metrics that translate into facts in a fact table. Most fact tables focus on the results of a single business process. Choosing the process is important because it defines a specific design target and allows the grain, dimensions, and facts to be declared. Each business process corresponds to a row in the enterprise data warehouse bus matrix.

Fiona said. “I wonder if he had a big insurance policy on Prudence?” “Ed didn’t mention that to me yesterday, but it didn’t really come up in the conversation either. He claims he was at Cutty Marina when she was killed, so he has an alibi I can check.” “Josiah claims to have an alibi too. Says he was out lobstering and his deck hand can verify it.” “Okay, I’ll check into that,” Jake said. “Let’s just get on with searching this area.” They put their heads down and started looking. Fiona pushed the leaves around with her feet disturbing a few little orange fire newts that were hanging around underneath. “There’s lots of newts here. Do you guys think one could have just crawled into Prudence’s mouth on its own?” “That would be quite a coincidence, wouldn’t it?” Jake asked. “Yes,” Morgan answered. Then she laughed.

Of more angst to drivers are the customer ratings systems imposed by the app companies. While most drivers do not have a problem with the notion of being rated, they are concerned that they will receive poor marks for circumstances beyond their control. Customers can give even the most earnest drivers bad ratings for any reason such as bumpy rides over pothole strewn roads, traffic congestion and passengers underestimating how much time they need to reach their destinations. Miscommunication between passengers and drivers can occur because passengers cannot speak the local language, are drunk, or fall asleep and cannot direct the driver to their remote destinations. Perhaps some passengers just do not like the ethnic group to which some drivers appear to belong. Circumstances such as these are clearly the fault of passengers who may rate drivers poorly nonetheless. Drivers with low ratings can be expelled from on-demand taxi services. This unfairness is compounded to the extent that drivers make large investments in their cars, insurance and fuel. Making drivers, who basically invested in a franchise, vulnerable to expulsion from a system because of unfair ratings seems to me to be a potential source of dissention or even litigation. Another concern associated with the taxi app business model is that drivers only have 15 seconds to respond to notices of pick up opportunities. Drivers that fail to respond in such tight windows lose the business. Repeat failures to make timely responses can result in temporary suspensions. This pressure, and related distractions associated with interacting with handsets, is applied simultaneously with all of the challenges of navigating traffic in a variety of weather conditions. Foremost, this is a driving hazard that imperils everyone in the vicinity. It also ties in with the ratings systems because drivers are only rated on the rides they complete. Drivers who claim rides but abandon the customer if it looks like the pickup will be delayed have no ratings risk. Paradoxically, no ratings result in the worst customer service as passengers end up stranded.

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

The biopsy is being transported to New York, where attorneys for Cryolabs will collect it and immediately file a claim in the name of Cryolabs Corporation with a judge in the United States Supreme Court. This will insure that Cryolabs has all legal excavation rights to that iceberg.” “So much for all mankind,” Harry said with a smirk. Amy

In order for a person to work at a church legally as an independent contractor, we believe it is prudent to consider the following guidelines:   ·       The church cannot substantially direct the person’s duties; the church can only give them overall tasks to complete.   ·       The church cannot control or set their hours that they work.   ·       Since their “company” provides the service, they can send anyone to do the job.   ·       They cannot have an office at the church that is their primary office.   ·       It cannot be their only source of income.   ·       The church needs to have a written contract in place including cost, delivery of Services, duration (i.e. six months, one year, etc.) and a termination clause.   ·       They cannot participate in any employee benefits plans (insurance, retirement plans, etc).   ·       The contractor must provide annual proof of worker’s comp and liability insurance naming the church as additionally insured or the church could be held liable in the event of a claim.   ·       The church must issue a 1099 at the end of the year for all contract wages paid if the total amount for the year exceeds $600.00 to one contractor. We strongly recommend that no payments are made until an accurate and fully completed W-9 is completed by the contractor and on file at the church.        Given these requirements, many workers such as those in the nursery, kitchens, and other service areas are not 1099 contractors, but employees.     Regarding interim pastors, there is disagreement over whether they should receive a W-2 or 1099. Factors such as length of service, who supervises them, and whether they are a contractor, come into play in the decision on how to report their salary. For the best practice we recommend always using the W-2 to report salaries, but seeking tax and legal counsel would be wise to avoid any future IRS issues.      While there are advantages to the church to pay independent contractors who regularly work for the church such as avoiding the need to pay the employer's part of the FICA tax and the ease of terminating their services, we would recommend against their regular use.      We recommend against the use of independent contractors (that regularly work at the church) because we believe it can create the following problems for the church:   ·       Less control over the position   ·       Leaves the church open to an IRS challenge, which the church only has a 50/50 chance of defending, not to mention the cost and hassle of litigation   ·       In the event of insurance claims, the church may encounter issues with worker’s compensation coverage or liability insurance coverage such as sexual misconduct, etc.   ·       The church is open to contract disputes with the independent contractor   ·       Based on how the individual/company is filing their taxes, it could bring an unwanted tax audit to the church        Our conclusion is that we do not see enough cost-saving advantages for the church to move in this direction. It also creates unnecessary red flags for the IRS. The other looming question is, why is this such an important issue for such a small incremental (if any) tax break for the individual? Because the independent contractor will have to pay employer FICA, we don’t see any large tax advantage for this shift. They can claim mileage and some home office expense (maybe), but it just does not amount to enough to place the church at risk.      Here are some detailed guidelines

Totalloss Advocates is a great choice to get better value for your total loss insurance claim in the America.

While this drama and destruction was keeping life interesting, it was playing merry hell with my insurance premiums. Plus, you try making a claim when the cause is ‘trashed by a vampire’.

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

Every right is married to a duty; every freedom owns a corresponding responsibility; and there cannot be genuine freedom unless there is also genuine order in the moral realm and the social realm. Order, in the moral realm, is the realization of a body of transcendent values—indeed a hierarchy of values—which give purpose to existence and motive to conduct. Order, in society, is the harmonious arrangement of classes and functions which guards justice and gives willing consent to law and insurers that we all shall be safe together. Although there cannot be freedom without order, in some sense there is always a conflict between the claims of order and the claims of freedom. We often express this conflict is the competition between the desire for liberty and the desire for security. Although modern technological revolution and modern mass–democracy have made this struggle more intense, there is nothing new about it in essence. President Washington remarked that ‘individuals entering into a society must give up a share of their liberty to preserve the rest.’ But doctrinaires of one ideology or another, in our time, continue to cry out for absolute security, absolute order, or for absolute freedom, power to assert the ego in defiance of all convention. At the moment, this fanatic debate may be particularly well discerned in the intemperate argument over academic freedom. I feel that in asserting freedom as an absolute, somehow divorced from order, we are repudiating our historical legacy of freedom and exposing ourselves to the danger of absolutism, whether that absolutism be what Tocqueville called ‘democratic despotism’ or what recently existed in Germany and now exists in Russia. ‘To begin with unlimited freedom,’ Dostoevski rights in The Devils, ‘is to end without on limited despotism.

Getting a total loss insurance claim from your vehicle insurer may be a difficult task, this is the reason we bring to you our services, aimed to help you get what is your right.

Totalloss Advocates is a team of highly experienced professionals, having knowledge about the insurance industry to help you claim insurance for total loss.

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

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.

Good character is the best insurance that pays good dividends than any insurance covers in the world. Preserve it!

Insurance companies collect premiums, of which a significant portion goes into reserves to pay future claims. This reserve (the “float”) earns money for Berkshire, leveraging the company’s return on capital.

Too many places didn't want to hire her, claiming her lack of hearing was a liability that would put an unfair burden on their insurance. Never mind that she traveled with a submersible designed to her parameters, signaling all alarms and issues with flashing lights and pressure changes in the fabric of her seat; they were uncomfortable about the idea of working with a deaf woman, and while the Americans with Disabilities Act made it harder for them to refuse her employment, it didn't make it impossible. There would always be lawyers who specialize in keeping the disabled out of the workforce, especially when the jobs they wanted to do - the jobs they were trained to do - were difficult or dangerous or otherwise complex.

Over the years, we have handled numerous projects that have helped us gain a lot of knowledge and experience. At Service Restoration of Eden Prairie, we offer high-quality restoration services and are confident that we can handle different types of water damage projects. We work with your insurance to get the claim approves and taken care of. We believe in offering exceptional customer service and quality workmanship to our Minnesota clients at all times.

We buy insurance because we’re scared we’ll lose what we’ve got. Why are we scared? Because the insurance companies keep reminding us how much we’ve got to lose. Then, when you’ve got a claim, they send somebody out to tell you why they can’t pay.

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

Buffett claimed that the insurance industry has vastly underestimated the full potential of what a super catastrophe could do.

Finally, as I’ve emphasized, there is the level of conscious public policy. A Soviet official issuing a planning document, or an American politician calling for job creation, might not be entirely aware of the likely effects of their action. Still, once a situation is created, even as an unintended side effect, politicians can be expected to size up the larger political implications of that situation when they make up their minds what—if anything—to do about it. Does this mean that members of the political class might actually collude in the maintenance of useless employment? If that seems a daring claim, even conspiracy talk, consider the following quote, from an interview with then US president Barack Obama about some of the reasons why he bucked the preferences of the electorate and insisted on maintaining a private, for-profit health insurance system in America: “I don’t think in ideological terms. I never have,” Obama said, continuing on the health care theme. “Everybody who supports single-payer health care says, ‘Look at all this money we would be saving from insurance and paperwork.’ That represents one million, two million, three million jobs [filled by] people who are working at Blue Cross Blue Shield or Kaiser or other places. What are we doing with them? Where are we employing them?”9 I would encourage the reader to reflect on this passage because it might be considered a smoking gun. What is the president saying here? He acknowledges that millions of jobs in medical insurance companies like Kaiser or Blue Cross are unnecessary. He even acknowledges that a socialized health system would be more efficient than the current market-based system, since it would reduce unnecessary paperwork and reduplication of effort by dozens of competing private firms. But he’s also saying it would be undesirable for that very reason. One motive, he insists, for maintaining the existing market-based system is precisely its inefficiency, since it is better to maintain those millions of basically useless office jobs than to cast about trying to find something else for the paper pushers to do.10 So here is the most powerful man in the world at the time publicly reflecting on his signature legislative achievement—and he is insisting that a major factor in the form that legislature took is the preservation of bullshit jobs.

But as Bill Gates said to us when Mark and I met with him in his Seattle-area office, “People invest in high-probability scenarios: the markets that are there. And these low-probability things that maybe you should buy an insurance policy for by investing in capacity up front, don’t get done. Society allocates resources primarily in this capitalistic way. The irony is that there’s really no reward for being the one who anticipates the challenge.” Every time there is a new, serious viral outbreak, such as Ebola in 2012 and Zika in 2016, there is a public outcry, a demand to know why a vaccine wasn’t available to combat this latest threat. Next a public health official predicts a vaccine will be available in x number of months. These predictions almost always turn out to be wrong. And even if they’re right, there are problems in getting the vaccine production scaled up to meet the size and location of the threat, or the virus has receded to where it came from and there is no longer a demand for prevention or treatment. Here is Bill Gates again: Unfortunately, the message from the private sector has been quite negative, like H1N1 [the 2009 epidemic influenza strain]: A lot of vaccine was procured because people thought it would spread. Then, after it was all over, they sort of persecuted the WHO people and claimed GSK [GlaxoSmithKline] sold this stuff and they should have known the thing would end and it was a waste of money. That was bad. Even with Ebola, these guys—Merck, GSK, and J & J [Johnson & Johnson]—all spent a bunch of money and it’s not clear they won’t have wasted their money. They’re not break-even at this stage for the things they went and did, even though at the time everyone was saying, “Of course you’ll get paid. Just go and do all this stuff.” So it does attenuate the responsiveness. This model will never work or serve our worldwide needs. Yet if we don’t change the model, the outcome will not change, either.

The insurance company will do everything it can to deny your eligible claim.

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

White supremacists claim to be pro-White but refuse to acknowledge that climate change is having a disastrous impact on the earth White people inhabit. They oppose affirmative-action programs, despite White women being their primary beneficiaries. White supremacists rage against Obamacare even as 43 percent of the people who gained lifesaving health insurance from 2010 to 2015 were White.

We know first hand that dealing with an insurance claim after suffering a loss to your property can be challenging, both financially and emotionally. In the event that your home, business or boat suffers damage whether due to Fire, Water, Lightning, Wind, Hail, Tornado, Vandalism, Hurricane or Sinkhole, We Can Help You Through The Process! Call 855-217-3582 and speak with one of our Palm Beach County Public Adjusters today.

Looking for a Boca Raton Public Adjuster to help with your insurance claim? Don't let insurance companies dictate the outcome of your claim, let our Florida Public Adjusters fight for you.

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

If your property damage in New Jersey, Interstate Public Adjusters can help you receive the full value for your insurance reimbursement. A public adjuster in NJ works for you, not the insurance company. This means that they safeguard your interest in receiving the full value of the insurance policy you paid for.

Eighty-five years after the storms of steel of the German-French fronts, sixty-five years after the peak of the Stalinist mass exterminations, fifty-five years after the liberation of Auschwitz, and just as long after the bombardments of Dresden, Hiroshima, and Nagasaki, the swinging back of the Zeitgeist to the preference for middling circumstances is to be understood as a tribute to normalization. In this regard, it has an unconditionally affirmative civilizing value. Furthermore, democracy per se presupposes the cultivation of middling circumstances. As is well known, spirit spits what is lukewarm out of its mouth; in contrast, pragmatism holds that the temperature of life is lukewarm. Thus the impulse toward the middle, the cardinal symptom of the fin de siècle, does not have only political motives. It symbolizes the weariness of apocalypse felt by a society that has had to hear too much of revolutions and paradigm shifts. But above all it expresses the general pull toward the conversion of the drama of history into the insurance industry. Insurance policies anchor antiextremism in the routines of the post-radical society. The insurance industry is humanism minus book culture. It brings into shape the insight that human beings as a rule do not wish to be revolutionized, but rather to be safeguarded. Whoever understands this will bank on the fact that in the future contra-innovative revolts from out of the spirit of the insurance claim are most probable of all.

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

At New London, parking was available for submariners at the head of the finger piers. Should a submarine be brought alongside at too high a speed, or if a backing bell failed to be answered, the heavy, protruding bow on occasion overrode the dock and damaged the car parked at the head of the pier. To emphasize the need for caution in avoiding a possible submarine-auto collision, the first parking space was reserved for the skipper of the submarine, thereby guaranteeing the enthusiastic co-operation of the CO in preventing possible damage to a U.S. naval vessel if only to avoid more serious damage to the family wheels. Insurance claims based on collisions between submarine and automobile in New London were unusual but far from unknown.

Insurance is expected to be revolutionized thanks to blockchain technology. The technology can streamline the user experience by using smart contracts that can automate policies depending on the customer’s circumstances. It means that insurance claims could be made through the blockchain without the need for talking with an intermediary. One app known as Dyanmis uses the blockchain to manage supplementary unemployment insurance. Based on peer-to-peer technology, it uses the social media network, LinkedIn, to help confirm the identity and employment status of its customers. Another such app is Inchain, which is a decentralized insurance platform that reduces the associated risks of losses of crypto-assets in the event of cyber-attacks or online hacking.

If at first you don't succeed, torch the place and claim on the insurance.

Your breakthrough agency should have six specialized customer-facing departments: personal lines, commercial lines, life and health, front office and claims concierge, financial services, and marketing.

Birds— and Territory My dad and I designed a house for a wren family when I was ten years old. It looked like a Conestoga wagon, and had a front entrance about the size of a quarter. This made it a good house for wrens, who are tiny, and not so good for other, larger birds, who couldn’t get in. My elderly neighbour had a birdhouse, too, which we built for her at the same time, from an old rubber boot. It had an opening large enough for a bird the size of a robin. She was looking forward to the day it was occupied. A wren soon discovered our birdhouse, and made himself at home there. We could hear his lengthy, trilling song, repeated over and over, during the early spring. Once he’d built his nest in the covered wagon, however, our new avian tenant started carrying small sticks to our neighbour’s nearby boot. He packed it so full that no other bird, large or small, could possibly get in. Our neighbour was not pleased by this pre- emptive strike, but there was nothing to be done about it. “If we take it down,” said my dad, “clean it up, and put it back in the tree, the wren will just pack it full of sticks again.” Wrens are small, and they’re cute, but they’re merciless. I had broken my leg skiing the previous winter— first time down the hill— and had received some money from a school insurance policy designed to reward unfortunate, clumsy children. I purchased a cassette recorder (a high- tech novelty at the time) with the proceeds. My dad suggested that I sit on the back lawn, record the wren’s song, play it back, and watch what happened. So, I went out into the bright spring sunlight and taped a few minutes of the wren laying furious claim to his territory with song. Then I let him hear his own voice. That little bird, one- third the size of a sparrow, began to dive- bomb me and my cassette recorder, swooping back and forth, inches from the speaker. We saw a lot of that sort of behaviour, even in the absence of the tape recorder. If a larger bird ever dared to sit and rest in any of the trees near our birdhouse there was a good chance he would get knocked off his perch by a kamikaze wren.

NEVER file an insurance claim for a stolen air conditioner, stolen tools, stolen supplies, stolen carpet, stolen pipes, stolen furnaces, vandalism, or stolen anything. Pay for this out of your pocket. You do not want to jeopardize your insurance record from these puny claims.

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

The death of industrial New York was planned by a privately organized group of bankers and real estate developers. They didn’t like having all those blue-collar, multiethnic people taking up space on valuable Manhattan land, so they appointed themselves the Regional Plan Association (RPA) and, starting in 1922, schemed to destroy working-class New York by zoning away industrial areas and claiming those territories for finance, insurance, and real estate (FIRE), upper-class fields ruled at the time by Anglo-Saxon Americans.

Bill McFarlane Law defends its insurance clients against fraudulent claims and liability claims.