Insurance Providers Quotes

Prisons are needed only to provide the illusion that courts and police are effective. They’re a kind of job insurance.

The Constitution of the Unitied States of America Preamble We the People of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defence, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America. Article I - The Legislative Branch Section 1 - The Legislature All legislative Powers herein granted shall be vested in a Congress of the United States, which shall consist of a Senate and House of Representatives.

What exactly does that expression mean, 'friends with benefits'? Does he provide her with health insurance?

Anticipating the worst doesn’t provide insurance from the worst happening,” Mimmy says.

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

What was to be a relatively innocuous federal government, operating from a defined enumeration of specific grants of power, has become an ever-present and unaccountable force. It is the nation’s largest creditor, debtor, lender, employer, consumer, contractor, grantor, property owner, tenant, insurer, health-care provider, and pension guarantor. Moreover, with aggrandized police powers, what it does not control directly it bans or mandates by regulation.

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.

People who will not turn a shovel full of dirt on the project nor contribute a pound of material, will collect more money from the United States than will the People who supply all the material and do all the work. This is the terrible thing about interest ...But here is the point: If the Nation can issue a dollar bond it can issue a dollar bill. The element that makes the bond good makes the bill good also. The difference between the bond and the bill is that the bond lets the money broker collect twice the amount of the bond and an additional 20%. Whereas the currency, the honest sort provided by the Constitution pays nobody but those who contribute in some useful way. It is absurd to say our Country can issue bonds and cannot issue currency. Both are promises to pay, but one fattens the usurer and the other helps the People. If the currency issued by the People were no good, then the bonds would be no good, either. It is a terrible situation when the Government, to insure the National Wealth, must go in debt and submit to ruinous interest charges at the hands of men who control the fictitious value of gold.

Every sixty seconds, thirty acres of rain forest are destroyed in order to raise beef for fast-food restaurants that sell it to people, giving them strokes and heart attacks, which raise medical costs and insurance rates, providing insurance companies with more money to invest in large corporations that branch out further into the Third World so they can destroy more rain forests.

We the people of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defence, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America.

People who buy annuities, it turns out, live longer than people who don’t, and not because the people who buy annuities are healthier to start with. The evidence suggests that an annuity’s steady payout provides a little extra incentive to keep chugging along.

We the People of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defence, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America.

If the insurance company failed to pay up—which seemed increasingly likely in light of the strategy that insurance companies had adopted in recent years, of merely advertising their services rather than actually providing them—Dirk

Anticipating the worst doesn't provide insurance from the worst happening

The incorruptible things are all within the narrow gate. The peace of God which passed all understanding - the bright hope of good things to come - the sense of the Spirit dwelling in us - the consciousness that we are forgiven, safe, insured, provided for in time and eternity, whatever may happen - these are true gold, and lasting riches.

The Constitution says: "We, the people of the United States, in order to form a more perfect union, establish justice, insure domestic tranquility, provide for the common defence, promote the general welfare, and secure the blessings of liberty to ourselves and our posterity do ordain and establish this Constitution for the United States of America." The meaning of this is simply We, the people of the United States, acting freely and voluntarily as individuals, consent and agree that we will cooperate with each other in sustaining such a government as is provided for in this Constitution. The necessity for the consent of "the people" is implied in this declaration. The whole authority of the Constitution rests upon it. If they did not consent, it was of no validity. Of course it had no validity, except as between those who actually consented. No one's consent could be presumed against him, without his actual consent being given, any more than in the case of any other contract to pay money, or render service. And to make it binding upon any one, his signature, or other positive evidence of consent, was as necessary as in the case of any other-contract. If the instrument meant to say that any of "the people of the United States" would be bound by it, who did not consent, it was a usurpation and a lie. The most that can be inferred from the form, "We, the people," is, that the instrument offered membership to all "the people of the United States;" leaving it for them to accept or refuse it, at their pleasure.

EIGHTH AMENDMENT The government shall not “crack down” on drug crime while taking kickbacks from industries and companies perpetuating addiction and abuse. You can’t fight wars on drugs—only on people. The drug war kills people, not drugs. Anytime you hear a politician talk about being tough on drugs but then say nothing about pharmaceutical companies, doctors, or insurance providers needing reform as well, you call them what they are: hacks. And hit them in the fa—we mean, vote against them.

Life insurance ads merely insinuate that he may be guilty of dying without having provided for the smooth continuation of the system following the resultant economic loss, while the promoters of the “American way of death” stress his capacity to preserve most of the appearances of life in his post-mortem state. On all the other fronts of advertising bombardment it is strictly forbidden to grow old. Everybody is urged to economize on their “youth-capital,” though such capital, however carefully managed, has little prospect of attaining the durable and cumulative properties of economic capital. This social absence of death coincides with the social absence of life.

[The wives of powerful noblemen] must be highly knowledgeable about government, and wise – in fact, far wiser than most other such women in power. The knowledge of a baroness must be so comprehensive that she can understand everything. Of her a philosopher might have said: "No one is wise who does not know some part of everything." Moreover, she must have the courage of a man. This means that she should not be brought up overmuch among women nor should she be indulged in extensive and feminine pampering. Why do I say that? If barons wish to be honoured as they deserve, they spend very little time in their manors and on their own lands. Going to war, attending their prince's court, and traveling are the three primary duties of such a lord. So the lady, his companion, must represent him at home during his absences. Although her husband is served by bailiffs, provosts, rent collectors, and land governors, she must govern them all. To do this according to her right she must conduct herself with such wisdom that she will be both feared and loved. As we have said before, the best possible fear comes from love. When wronged, her men must be able to turn to her for refuge. She must be so skilled and flexible that in each case she can respond suitably. Therefore, she must be knowledgeable in the mores of her locality and instructed in its usages, rights, and customs. She must be a good speaker, proud when pride is needed; circumspect with the scornful, surly, or rebellious; and charitably gentle and humble toward her good, obedient subjects. With the counsellors of her lord and with the advice of elder wise men, she ought to work directly with her people. No one should ever be able to say of her that she acts merely to have her own way. Again, she should have a man's heart. She must know the laws of arms and all things pertaining to warfare, ever prepared to command her men if there is need of it. She has to know both assault and defence tactics to insure that her fortresses are well defended, if she has any expectation of attack or believes she must initiate military action. Testing her men, she will discover their qualities of courage and determination before overly trusting them. She must know the number and strength of her men to gauge accurately her resources, so that she never will have to trust vain or feeble promises. Calculating what force she is capable of providing before her lord arrives with reinforcements, she also must know the financial resources she could call upon to sustain military action. She should avoid oppressing her men, since this is the surest way to incur their hatred. She can best cultivate their loyalty by speaking boldly and consistently to them, according to her council, not giving one reason today and another tomorrow. Speaking words of good courage to her men-at-arms as well as to her other retainers, she will urge them to loyalty and their best efforts.

It was the reason neither Florida nor any of her friends could afford health insurance—the industry had nothing to do with providing healthcare; it was designed to extract the maximum amount of money from each person.

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

Taxes are what we pay for civilized society, for modernity, and for prosperity. The wealthy pay more because they have benefitted more. Taxes, well laid and well spent, insure domestic tranquility, provide for the common defense, and promote the general welfare. Taxes protect property and the environment; taxes make business possible. Taxes pay for roads and schools and bridges and police and teachers. Taxes pay for doctors and nursing homes and medicine. During an emergency, like an earthquake or a hurricane, taxes pay for rescue workers, shelters, and services. For people whose lives are devastated by other kinds of disaster, like the disaster of poverty, taxes pay, even, for food.

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.)

The United States spends more than twice as much per capita on health care as other rich capitalist countries —around $9,400 compared to around $3,600—and for that money its citizens can expect lives that are three years shorter. The United States spends more per capita on health care than any other country in the world, but 39 countries have longer life expectancies. [...] Under the current US system, rich, insured patients visit doctors more than they need, running up costs, while poor patients cannot afford even simple, inexpensive treatments and die younger than they should. Doctors spend time that could be used to save lives or treat illness by providing unnecessary, meaningless care. What a tragic waste of physician care.

Nevertheless, they boarded The Purdue Victory and sailed out of Boston harbor, provided for against all inclemencies but these they were leaving behind, and those disasters of such scope and fortuitous originality which Christian courts of law and insurance companies, humbly arguing ad hominem, define as acts of God.

My Father, the Age I Am Now Time, which diminishes all things, increases understanding for the aging. —PLUTARCH My mother was the star: Smart and funny and warm, A patient listener and an easy laugher. My father was . . . an accountant: Not one to look up to, Ask advice from, Confide in. A man of few words. We faulted him—my mother, my sister, and I, For being this dutiful, uninspiring guy Who never missed a day of work, Or wondered what our dreams were. Just . . . an accountant. Decades later, My mother dead, my sister dead, My father, the age I am now, Planning ahead in his so-accountant way, Sent me, for my records, Copies of his will, his insurance policies, And assorted other documents, including The paid receipt for his cemetery plot, The paid receipt for his tombstone, And the words that he had chosen for his stone. And for the first time, shame on me, I saw my father: Our family’s prime provider, only provider. A barely-out-of-boyhood married man Working without a safety net through the Depression years That marked him forever, Terrified that maybe he wouldn’t make it, Terrified he would fall and drag us down with him, His only goal, his life-consuming goal, To put bread on our table, a roof over our head. With no time for anyone’s secrets, With no time for anyone’s dreams, He quietly earned the words that made me weep, The words that were carved, the following year, On his tombstone: HE TOOK CARE OF HIS FAMILY.

As a child, my own mother told me the human heart spun on an axis smaller than a dime. Like her father, she sold "life for love" insurance. For the price of ten years off your life, you could purchase insurance on a ten-year love affair. Plans were also available in increments of twenty-five and fifty. If your love affair failed before your insurance expired, they'd provide you with a clone of the loved one for the duration of the term. Sometimes the clone worked out even better than the original.

In the main, the trouble with American education is that we have put into practice the educational philosophy expounded by John Dewey and his disciples. In varying degrees we have adopted what has been called "progressive education." Subscribing to the egalitarian notion that every child must have the same education, we have neglected to provide an educational system which will tax the talents and stir the ambitions of our best students and which will thus insure us the kind of leaders we will need in the future. In

Certainly providers do overcharge; hospitals do seek to squeeze as much as they can out of the insurance company. Thus the insurers, who need profit like patients need air and water, have a legitimate and reasonable point. But that their point can only be expressed at the expense of the patient is proof of the moral illegitimacy of the whole industry.

Checklists provide insurance against overconfidence.

Anticipating the worst doesn’t provide insurance from the worst happening,

One suggested function of the first gardens of nearly 11,000 years ago was to provide a reliable reserve larder as insurance in case wild food supplies failed.

strengthened a conviction that had been growing for some years, namely that adequate medical care can only be provided by a comprehensive health insurance scheme with federal backing.

Lest he provide a target for his critics, Obama avoided all variations of the word “mandate” in his 2009 speech. Under his plan, no one would be “forced” or “mandated” to get health insurance; people would merely be “required.

I don’t know why I seem to be the only one who understands that when the government provides something for free—whether it’s food, housing, or health care—there is a human cost. The government may be handing you a free block of cheese but they are taking away your motivation to get a job and buy your own f***ing cheese. And what more powerful motivator is there to get up, get work, and get insurance than the fact that not having it could literally kill you?

Cooperative Care in Wisconsin, which provides care to the elderly, was able to give its 81 members in 2004 relatively high pay, workers’ compensation, ten days’ paid vacation, and 50 to 75 percent health insurance coverage, all only three years after beginning operations.79 Similarly, Cooperative Home Care Associates in the Bronx, New York, founded in 1985, offers its 1700 members “significantly better pay and working conditions than most home health aides.”80

In the 1960's, some old-timers on Wall Street-the men who remembered the trauma of the 1929 Crash and the Great Depression-gave me a warning: "When we fade from this business, something will be lost. That is the memory of 1929." Because of that personal recollection, they said, they acted with more caution, than they otherwise might. Collectively, their generation provided an in-built brake on the wildest form of speculation, an insurance policy against financial excess and consequent catastrophe. Their memories provided a practical form of long-term dependence in the financial markets. Is it any wonder that in 1987 when most of those men were gone and their wisdom forgotten, the market encountered its first crash in nearly sixty years? Or that, two decades later, we would see the biggest bull market, and the worst bear market, in generations? Yet standard financial theory holds that, in modeling markets, all that matters is today's news and the expectations of tomorrow's news.

Obamacare also provided its bureaucratic social engineers with the power to invent—without consent of Congress—additional mandates to impose on the public. One of these was an anti-conscience requirement that employers must provide insurance coverage for

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

Coming from a country where no one seemed to think it particularly disgraceful that a child with a brain tumour could be sent home to die because his father didn’t have the wherewithal to pay a surgeon, or where an insurance company could be permitted by a state insurance commissioner to cancel the policies of its 14,000 sickest patients because it wasn’t having a very good year (as happened in California in 1989), it seemed to me admirable beyond words that a nation could dedicate itself to providing equally and fairly for everyone, whatever the cost.

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

So often, data is merely insurance against self-delusion. It won’t (and it shouldn’t) provide the green light. In fact, research too often ends up serving as a reason people give up before they start. Don’t let numbers hold you back when you know in your gut that you’re onto something, and don’t be afraid to go digging for the support you know in your heart must be out there somewhere.

The vaccines are so risky that the insurance industry has refused to underwrite them,154 and the manufacturers refuse to produce them without blanket immunity from liability.155 Bill Gates, who is the principal investor in many of these new COVID vaccines, stipulated that their risk is so great that he would not provide them to people unless every government shielded him from lawsuits.156

Romantic literature often presents the individual as somebody caught in a struggle against the state and the market. Nothing could be further from the truth. The state and the market are the mother and father of the individual, and the individual can survive only thanks to them. The market provides us with work, insurance and a pension. If we want to study a profession, the government’s schools are there to teach us. If we want to open a business, the bank loans us money. If we want to build a house, a construction company builds it and the bank gives us a mortgage, in some cases subsidised or insured by the state. If violence flares up, the police protect us. If we are sick for a few days, our health insurance takes care of us. If we are debilitated for months, national social services steps in.

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

The government is commonly conceptualized as a business. If it is seen as a service industry, taxes can be seen as payment for services provided to the public. Those services can include protection (by the military, the criminal justice system, and regulatory agencies), adjudication of disputes (by the judiciary and other agencies), social insurance (as in Social Security and Medicare and various “safety nets”), and so on. Under

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

First, the very idea that there should be any serious kind of health insurance for Americans (beyond tiny elites) simply did not have much reality until World War II—and it was (again) the war that gave it reality. With wartime labor scarce, wage-price controls were enacted to keep bidding wars in check. Corporations, unable to offer more pay, tried to compete with benefits instead. The modern idea of widespread employer-provided health insurance developed as a strategy to attract wartime workers, and continued in many industries after the war, especially during the boom era.

The state and the market approached people with an offer that could not be refused. ‘Become individuals,’ they said. ‘Marry whomever you desire, without asking permission from your parents. Take up whatever job suits you, even if community elders frown. Live wherever you wish, even if you cannot make it every week to the family dinner. You are no longer dependent on your family or your community. We, the state and the market, will take care of you instead. We will provide food, shelter, education, health, welfare and employment. We will provide pensions, insurance and protection.

Before all else, men are expected to be good providers. Our parent's generation expects it of us, the family courts expect it of us, women on first dates often expect it, and in the event of an early death, our life insurance policies pre-suppose it. The simple mechanics of being a good provider excludes men from a number of other spaces, which, not coincidentally, are reserved for women. What more, as they aspire to switch traditional breadwinner roles with men in our evolving economy, even highly successful professional women collapse into the expectation that men are supposed to provide.

Henceforth, federal, state, and local governments shall make no law nor establish any program that transfers general tax revenues to some citizens and not to others, whether those transfers consist of money or in-kind benefits. All programs currently providing such benefits are to be terminated. The funds formerly allocated to them are to be used instead to provide every citizen with a Universal Basic Income beginning at age twenty-one and continuing until death. The maximum annual value of the grant at the program’s outset is to be $13,000, of which $3,000 must be devoted to catastrophic health insurance.

The big celebration, the wedding or housewarming, takes place not when the debt is discharged, but when it is undertaken. What is emphasized on TV, for example, is not the middle-aged man who has finally paid off his mortgage, but the young man who moves into his new home with his family, proudly waving the papers he has just signed and which will bind him for most of his productive years. After he has paid his debts—the mortgage, the college expenses for his children and his insurance—he is regarded as a problem, a “senior citizen” for whom society must provide not only material comforts but a new “purpose.

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

But we must all be conscious of the power of our archaic internal dialogues. Of how they weave themselves through our public discourses and our unspoken expectations of each other. Good provider? Think it over. What are you doing to a man when you call him a good provider? Are you normalizing and reinforcing the Man Box paradigm of a man who sacrifices his emotional expression and hidden aspirations to insure a steady stream of revenue for his family? Are you relegating him to some space outside the daily emotional sphere of the family and by extension, depriving the family of crucial male emotional modeling and connection?

Friedrich Hayek, who has become an iconic figure among today’s conservatives, was a strong proponent of the idea. In his three-volume work Law, Legislation and Liberty, published between 1973 and 1979, Hayek suggested that a guaranteed income would be a legitimate government policy designed to provide insurance against adversity, and that the need for this type of safety net is the direct result of the transition to a more open and mobile society where many individuals can no longer rely on traditional support systems: There is, however, yet another class of common risks with regard to which the need for government action has until recently not been generally admitted. . . .

By contrast, the American left and the Democratic Party operate on the principle that “free stuff” is truly free. The proposals of free healthcare, free education and free monthly checks all come with the tantalizing promise that someone else is going to pay. Not one Democratic candidate will stand up at a rally, point his finger toward the audience, and say, “The government is going to provide, and you are the ones who are going to pay for it.” This would bring an awkward, menacing silence. The reason for the cheering is the audience’s excitement over its realization that their bills and benefits will be footed by some other guy. This isn’t social insurance; it’s theft socialism.

The painful fact that the poor end up paying more than the rich for many goods and services has a very simple and systemic explanation. It generally costs more to provide goods and services in low-income neighborhoods. For example, insurance and security costs are often higher in poor neighborhoods due to high crime and vandalism rates. This is a factor frequently forgotten by those who look to personal intentions for an explanation for this phenomenon. For example, a shopping center within a populous neighborhood of a midtown city spent 15 percent more on security guards and night lighting than a shopping complex within a residential area of ​​the same city. All these costs are passed on to the consumer in the form of higher prices.

Consider almost any public issue. Today’s Democratic Party and its legislators, with a few notable individual exceptions, is well to the right of counterparts from the New Deal and Great Society eras. In the time of Lyndon Johnson, the average Democrat in Congress was for single-payer national health insurance. In 1971, Congress overwhelmingly passed the Comprehensive Child Development Act, for universal, public, tax-supported, high-quality day care and prekindergarten. Nixon vetoed the bill in 1972, but even Nixon was for a guaranteed annual income, and his version of health reform, “play or pay,” in which employers would have to provide good health insurance or pay a tax to purchase it, was well to the left of either Bill or Hillary Clinton’s version, or Barack Obama’s. The Medicare and Medicaid laws of 1965 were not byzantine mash-ups of public and private like Obamacare. They were public. Infrastructure investments were also public. There was no bipartisan drive for either privatization or deregulation. The late 1960s and early 1970s (with Nixon in the White House!) were the heyday of landmark health, safety, environmental, and financial regulation. To name just three out of several dozen, Nixon signed the 1970 Clean Air Act, the 1970 Occupational Safety and Health Act, and the 1973 Consumer Product Safety Act. Why did Democrats move toward the center and Republicans to the far right? Several things occurred. Money became more important in politics. The Democratic Leadership Council, formed by business-friendly and Southern Democrats after Walter Mondale’s epic 1984 defeat, believed that in order to be more competitive electorally, Democrats had to be more centrist on both economic and social issues.

The name of the militia was the "Lord's Resistance Army" (LRA), and it was led by a man named Joseph Kony, a passionate former altar boy who wanted to subject the area to the rule of the Ten Commandments. He baptized by oil and water, held fierce ceremonies of punishment and purification, and insured his followers against death. His was a fanatical preachment of Christianity. As it happened, the rehabilitation center in which I was sitting was also run by a fundamentalist Christian organization. Having been out into the bush and seen the work of the LRA, I fell to talking with the man who tried to repair the damage. How did he know, I asked him, which of them was the truest believer? Any secular or state-run outfit could be doing what he was doing - fitting prosthetic limbs and providing shelter and "counseling" - but in order to be Joseph Kony one had to have real faith.

Over time, states and markets used their growing power to weaken the traditional bonds of family and community. The state sent its policemen to stop family vendettas and replace them with court decisions. The market sent its hawkers to wipe out longstanding local traditions and replace them with ever-changing commercial fashions. Yet this was not enough. In order really to break the power of family and community, they needed the help of a fifth column. The state and the market approached people with an offer that could not be refused. ‘Become individuals,’ they said. ‘Marry whomever you desire, without asking permission from your parents. Take up whatever job suits you, even if community elders frown. Live wherever you wish, even if you cannot make it every week to the family dinner. You are no longer dependent on your family or your community. We, the state and the market, will take care of you instead. We will provide food, shelter, education, health, welfare and employment. We will provide pensions, insurance and protection.

The Proofs Human society has devised a system of proofs or tests that people must pass before they can participate in many aspects of commercial exchange and social interaction. Until they can prove that they are who they say they are, and until that identity is tied to a record of on-time payments, property ownership, and other forms of trustworthy behavior, they are often excluded—from getting bank accounts, from accessing credit, from being able to vote, from anything other than prepaid telephone or electricity. It’s why one of the biggest opportunities for this technology to address the problem of global financial inclusion is that it might help people come up with these proofs. In a nutshell, the goal can be defined as proving who I am, what I do, and what I own. Companies and institutions habitually ask questions—about identity, about reputation, and about assets—before engaging with someone as an employee or business partner. A business that’s unable to develop a reliable picture of a person’s identity, reputation, and assets faces uncertainty. Would you hire or loan money to a person about whom you knew nothing? It is riskier to deal with such people, which in turn means they must pay marked-up prices to access all sorts of financial services. They pay higher rates on a loan or are forced by a pawnshop to accept a steep discount on their pawned belongings in return for credit. Unable to get bank accounts or credit cards, they cash checks at a steep discount from the face value, pay high fees on money orders, and pay cash for everything while the rest of us enjoy twenty-five days interest free on our credit cards. It’s expensive to be poor, which means it’s a self-perpetuating state of being. Sometimes the service providers’ caution is dictated by regulation or compliance rules more than the unwillingness of the banker or trader to enter a deal—in the United States and other developed countries, banks are required to hold more capital against loans deemed to be of poor quality, for example. But many other times the driving factor is just fear of the unknown. Either way, anything that adds transparency to the multi-faceted picture of people’s lives should help institutions lower the cost of financing and insuring them.

THE BUCCAL CELL SMEAR TEST (EXATest) Using cells gently scraped from an area in the mouth between the bottom teeth and the back of the tongue provides an accurate means of measuring the amount of magnesium in the cells of the body. Measuring cellular magnesium in this way indicates the amount of magnesium in heart and muscle cells, the two major body tissues affected by magnesium deficiency. The buccal cell smear test can be used to sample many things in cells; however, IntraCellular Diagnostics has developed a testing procedure called EXATest specifically to identify the amounts of certain minerals in the cell. The company sends sampling kits to your doctor’s office, where a simple procedure, which takes about 60 seconds, is performed. Your doctor uses a wooden spatula to scrape off superficial layers of cells under your tongue. The scrapings are carefully placed on a microscope slide and sent back to the lab. A special electron microscope then measures the amount of magnesium and other minerals in the sample on the slide. The results are sent back to your doctor. The test is expensive but may be covered by Medicare and insurance.

The state and the market are the mother and father of the individual, and the individual can survive only thanks to them. The market provides us with work, insurance and a pension. If we want to study a profession, the government’s schools are there to teach us. If we want to open a business, the bank loans us money. If we want to build a house, a construction company builds it and the bank gives us a mortgage, in some cases subsidised or insured by the state. If violence flares up, the police protect us. If we are sick for a few days, our health insurance takes care of us. If we are debilitated for months, national social services steps in. If we need around-the-clock assistance, we can go to the market and hire a nurse – usually some stranger from the other side of the world who takes care of us with the kind of devotion that we no longer expect from our own children. If we have the means, we can spend our golden years at a senior citizens’ home. The tax authorities treat us as individuals, and do not expect us to pay the neighbours’ taxes. The courts, too, see us as individuals, and never punish us for the crimes of our cousins.

A man who marries a woman inferior to himself i.e. 'adopts' her must expect that she cannot feel anything for him but liking and gratitude. A woman is better off than a child, after all; if necessary, she can take care of herself, like any man. That she nevertheless allows her husband to pay all the bills is a personal concession that can be retracted at any time. She is entitled, therefore, to high expectations: everything done for her must be first-rate, otherwise she may engage another protector or else, depending upon circumstances, even decide to take care of herself. Compared with the real father, a wife's 'adopted father' has no hope of becoming his pseudo-child's protege in his old age, either. The most he can hope for is the status of an inadequate or pseudo-protege i.e. if he is lucky, he may come to enjoy the woman's altruistic love, her charity. The woman even gets a reward: she inherits his property, his insurance, his pension rights, so that he can go on providing for her after his death, the death she is statistically prepared to survive for, on the average, six years, plus the number of years she is younger than he is.

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

Take Canada again: why does Canada have the health-care program it does? Up until the mid-1960s, Canada and the United States had the same capitalist health service: extremely inefficient, tons of bureaucracy, huge administrative costs, millions of people with no insurance coverage―exactly what would be amplified in the United States by Clinton's proposals for "managed competition" [put forward in 1993].21 But in 1962 in Saskatchewan, where the N.D.P. is pretty strong and the unions are pretty strong, they managed to put through a kind of rational health-care program of the sort that every industrialized country in the world has by now, except the United States and South Africa. Well, when Saskatchewan first put through that program, the doctors and the insurance companies and the business community were all screaming―but it worked so well that pretty soon all the other Provinces wanted the same thing too, and within a couple years guaranteed health care had spread over the entire country. And that happened largely because of the New Democratic Party in Canada, which does provide a kind of cover and a framework within which popular organizations like unions, and then later things like the feminist movement, have been able to get together and do things.

Romantic literature often presents the individual as somebody caught in a struggle against the state and the market. Nothing could be further from the truth. The state and the market are the mother and father of the individual, and the individual can survive only thanks to them. The market provides us with work, insurance and a pension. If we want to study a profession, the government’s schools are there to teach us. If we want to open a business, the bank loans us money. If we want to build a house, a construction company builds it and the bank gives us a mortgage, in some cases subsidised or insured by the state. If violence flares up, the police protect us. If we are sick for a few days, our health insurance takes care of us. If we are debilitated for months, national social services steps in. If we need around-the-clock assistance, we can go to the market and hire a nurse – usually some stranger from the other side of the world who takes care of us with the kind of devotion that we no longer expect from our own children. If we have the means, we can spend our golden years at a senior citizens’ home. The tax authorities treat us as individuals, and do not expect us to pay the neighbours’ taxes. The courts, too, see us as individuals, and never punish us for the crimes of our cousins.

Romantic literature often presents the individual as somebody caught in a struggle against the state and the market. Nothing could be further from the truth. The state and the market are the mother and father of the individual, and the individual can survive only thanks to them. The market provides us with work, insurance and a pension. If we want to study a profession, the government’s schools are there to teach us. If we want to open a business, the bank loans us money. If we want to build a house, a construction company builds it and the bank gives us a mortgage, in some cases subsidised or insured by the state. If violence flares up, the police protect us. If we are sick for a few days, our health insurance takes care of us. If we are debilitated for months, national social services steps in. If we need around-the-clock assistance, we can go to the market and hire a nurse – usually some stranger from the other side of the world who takes care of us with the kind of devotion that we no longer expect from our own children. If we have the means, we can spend our golden years at a senior citizens’ home. The tax authorities treat us as individuals, and do not expect us to pay the neighbours’ taxes. The courts, too, see us as individuals, and never punish us for the crimes of our cousins. Not

But as he went up to London he told himself that the air of the House of Commons was now the very breath of his nostrils. Life to him without it would be no life. To have come within the reach of the good things of political life, to have made his mark so as to have almost insured future success, to have been the petted young official aspirant of the day, — and then to sink down into the miserable platitudes of private life, to undergo daily attendance in law-courts without a brief, to listen to men who had come to be much below him in estimation and social intercourse, to sit in a wretched chamber up three pairs of stairs at Lincoln’s Inn, whereas he was now at this moment provided with a gorgeous apartment looking out into the Park from the Colonial Office in Downing Street, to be attended by a mongrel between a clerk and an errand boy at 17s. 6d. a week instead of by a private secretary who was the son of an earl’s sister, and was petted by countesses’ daughters innumerable, — all this would surely break his heart. He could have done it, so he told himself, and could have taken glory in doing it, had not these other things come in his way. But the other things had come. He had run the risk, and had thrown the dice. And now when the game was so nearly won, must it be that everything should be lost at last?

My Future Self My future self and I become closer and closer as time goes by. I must admit that I neglected and ignored her until she punched me in the gut, grabbed me by the hair and turned my butt around to introduce herself. Well, at least that’s what it felt like every time I left the convalescent hospital after doing skills training for a certification I needed to help me start my residential care business. I was going to be providing specialized, 24/7 residential care and supervising direct care staff for non-verbal, non-ambulatory adult men in diapers! I ran to the Red Cross and took the certified nurse assistant class so I would at least know something about the job I would soon be hiring people to do and to make sure my clients received the best care. The training facility was a Medicaid hospital. I would drive home in tears after seeing what happens when people are not able to afford long-term medical care and the government has to provide that care. But it was seeing all the “young” patients that brought me to tears. And I had thought that only the elderly lived like this in convalescent hospitals…. I am fortunate to have good health but this experience showed me that there is the unexpected. So I drove home each day in tears, promising God out loud, over and over again, that I would take care of my health and take care of my finances. That is how I met my future self. She was like, don’t let this be us girlfriend and stop crying! But, according to studies, we humans have a hard time empathizing with our future selves. Could you even imagine your 30 or 40 year old self when you were in elementary or even high school? It’s like picturing a stranger. This difficulty explains why some people tend to favor short-term or immediate gratification over long-term planning and savings. Take time to picture the life you want to live in 5 years, 10 years, and 40 years, and create an emotional connection to your future self. Visualize the things you enjoy doing now, and think of retirement saving and planning as a way to continue doing those things and even more. However, research shows that people who interacted with their future selves were more willing to improve savings. Just hit me over the head, why don’t you! I do understand that some people can’t even pay attention or aren’t even interested in putting money away for their financial future because they have so much going on and so little to work with that they feel like they can’t even listen to or have a conversation about money. But there are things you’re doing that are not helping your financial position and could be trouble. You could be moving in the wrong direction. The goal is to get out of debt, increase your collateral capacity, use your own money in the most efficient manner and make financial decisions that will move you forward instead of backwards. Also make sure you are getting answers specific to your financial situation instead of blindly guessing! Contact us. We will be happy to help!

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Smart Sexy Money is About Your Money As an accomplished entrepreneur with a history that spans more than fourteen years, Annette Wise is constantly looking for ways to give back to her community. Using enterprising efforts, she qualified for $125,000 in startup funding to develop a specialized residential facility that allows developmentally disabled adults to live in the community after almost a lifetime of living in a state institution. In doing so, she has provided steady employment in her community for the last thirteen years. After dedicating years to her residential facility, Annette began to see clearly the difficulty business owners face in planning for retirement successfully. Searching high and low to find answers, she took control of financial uncertainty and in less than 2 years, she became a Full Life Agent, licensed Registered Representative, Investment Advisor Representative and Limited Principal. Her focus is on building an extensive list of clients that depend on her for smart retirement guidance, thorough college planning, detailed business continuation, and business exit strategies. Clients have come to rely on Annette for insight on tax advantaged savings and retirement options. Annette’s primary goal is to help her clients understand more than just concepts, but to easily understand how money works, the consequences of their decisions and how they work in conjunction with their desires and goal. Ever the curious soul who is always up for a challenge, Annette is routinely resourceful at finding sensible means to a sometimes-challenging end. She believes in infinite possibilities as well as in sharing her knowledge with others. She is the go-to source for “Smart Wealth Solutions.” Among Annette’s proudest accomplishments are her two wonderful sons, Michael III and Matthew. As a single mom, they have been her inspiration and joy. She is forever grateful to the greatest brothers in the world- Andrew and Anthony Wise, for assistance in grooming them into amazing young men.

In the future that globalists and feminists have imagined, for most of us there will only be more clerkdom and masturbation. There will only be more apologizing, more submission, more asking for permission to be men. There will only be more examinations, more certifications, mandatory prerequisites, screening processes, background checks, personality tests, and politicized diagnoses. There will only be more medication. There will be more presenting the secretary with a cup of your own warm urine. There will be mandatory morning stretches and video safety presentations and sign-off sheets for your file. There will be more helmets and goggles and harnesses and bright orange vests with reflective tape. There can only be more counseling and sensitivity training. There will be more administrative hoops to jump through to start your own business and keep it running. There will be more mandatory insurance policies. There will definitely be more taxes. There will probably be more Byzantine sexual harassment laws and corporate policies and more ways for women and protected identity groups to accuse you of misconduct. There will be more micro-managed living, pettier regulations, heavier fines, and harsher penalties. There will be more ways to run afoul of the law and more ways for society to maintain its pleasant illusions by sweeping you under the rug. In 2009 there were almost five times more men either on parole or serving prison terms in the United States than were actively serving in all of the armed forces.[64] If you’re a good boy and you follow the rules, if you learn how to speak passively and inoffensively, if you can convince some other poor sleepwalking sap that you are possessed with an almost unhealthy desire to provide outstanding customer service or increase operational efficiency through the improvement of internal processes and effective organizational communication, if you can say stupid shit like that without laughing, if your record checks out and your pee smells right—you can get yourself a J-O-B. Maybe you can be the guy who administers the test or authorizes the insurance policy. Maybe you can be the guy who helps make some soulless global corporation a little more money. Maybe you can get a pat on the head for coming up with the bright idea to put a bunch of other guys out of work and outsource their boring jobs to guys in some other place who are willing to work longer hours for less money. Whatever you do, no matter what people say, no matter how many team-building activities you attend or how many birthday cards you get from someone’s secretary, you will know that you are a completely replaceable unit of labor in the big scheme of things.

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

Christianity is not an insurance ticket that provides eternal life; rather, it is a personal relationship with a Leader who wants you to follow Him and not go your own way. He wants you to devote your life to Him as a knight would be completely devoted to his king.

The government used to be able to coordinate complex solutions to problems like atomic weaponry and lunar exploration. But today, after 40 years of indefinite creep, the government mainly just provides insurance; our solutions to big problems are Medicare, Social Security, and a dizzying array of other transfer payment programs. It’s no surprise that entitlement spending has eclipsed discretionary spending every year since 1975. To increase discretionary spending we’d need definite plans to solve specific problems. But according to the indefinite logic of entitlement spending, we can make things better just by sending out more checks.

present, there exists no overarching regulatory framework governing OTC derivatives markets in any major jurisdiction. Provided that certain qualifications are met, 29 OTC derivatives transactions generally reside outside the scope of securities, insurance and other regulatory regimes in the jurisdictions in which they notionally take place.Accordingly, while certain market participants (most notably banks and publicly traded firms) may be subject to, for example, prudential banking requirements30 . and mark-to-market accounting rules31 . which tangentially impact upon their ability to utilise these instruments, OTC derivatives themselves have historically

comprehensivist.” (IBM’s Grundy coined this term. He’s also president of the Patient-Centered Primary Care Collaborative, a set of large employers, provider groups, and private insurers looking to transform health care.) Comprehensivists are skilled project

reminded Al-Aswany of this before I read back to him what he had said about Egypt in the same interview with Egypt Today in response to a devastating survey of the country by Mondial, a leading U.K. provider of advice for foreign companies investing in Egypt and for those seeking travel insurance. The survey had produced a wave of soul-searching in the Egyptian media, and not a few knee-jerk reactions, after it ranked the country's service and tourist sectors a flat zero.

About half of employer-provided health plans in the United States are self-insured plans, giving employers even more latitude in designing and administering such plans.

importance, essence, and averaging. The importance of diversity in complex systems is the central theme of this book. Why does diversity matter? What roles does it play? I show that diversity has many roles and effects. Diversity can provide insurance, improve productivity, spur innovation, enhance robustness, produce collective knowledge,

The bill, AB2293, addresses the insurance coverage during the period when drivers log in to a smartphone app but have not yet been matched with riders. In a well-publicized incident, an UberX driver struck and killed a young girl in San Francisco on New Year's Eve, reportedly while waiting for a ride request. Bill author Assemblywoman Susan Bonilla, D-Concord, initially wanted the companies to provide $1 million of commercial coverage during this period. In its final form, the bill requires them to provide $200,000 of coverage, on top of insurance either from the companies or drivers providing $50,000 per person, $100,000 per accident, and $30,000 for property damage. An earlier version required $300,000 per accident.

Development is the strategy of evasion. When you can’t give people land reform, give them hybrid cows. When you can’t send children to school, try non-formal education. When you can’t provide basic health to people, talk of health insurance. Can’t give them jobs? Not to worry, just redefine the words ‘employment opportunities’. Don't want to do away with using children as a form of slave labor? Never mind. Talk of 'improving the conditions of child labor'. It sounds good. You can even make money out of it.

Importantly, the demand for day-care services to be provided by social insurance came from textile workers and not from the Mexican feminist movement.

Global Insurance Travel Medical Coverage GeoBlueAffiliate Available for PrestigeCare Private Health Advisory Members GeoBlue Voyager Global Insurance for Single-Trip International Travel travel insurance Global insurance health coverage may be the last thought we have when planning a trip to another country. Most people do not even realize that while traveling, your current medical insurance can be useless in some countries or that your usual over-the-counter medications are prohibited in many locations. Protect Your Health Around the World. What is GeoBlue VoyagerSM? Short-term travel medical insurance for U.S. residents traveling abroad. Why Choose GeoBlue? Strength of a U.S. Insurer Underwritten by 4 Ever Life Insurance Company, rated A- (Excellent) by A.M. Best. 4 Ever Life is an independent licensee of the Blue Cross and Blue Shield Association. Better Coverage: Our plans are U.S. licensed and feature coverage more generous than plans sold as “surplus coverage.” Our plans do not restrict illnesses or injuries resulting from a terrorist act. We do not impose precertification penalties for hospitalization. We provide coverage for pre-existing conditions for medical evacuation. Pre-existing conditions are also covered in all instances by our Choice plan. A Better Kind of Care: International travelers can leave home feeling confident that a trusted source of care is available at a moment’s notice - no matter what town, country or time zone, with global insurance. Travel anywhere knowing that if your health is a concern, getting good care is not. Global insurance coverage is available through PrestigeCare Private Health Advisory's affiliate partner, GeoBlue. You will have access to short-term global insurance health coverage options that best suit your needs while traveling. Just another way PrestigeCare Private Health Advisory looks out for all your health and wellness needs.* At PrestigeCare, we provide health solution services. *Up to $250,000 of coverage available through our affiliated partner for an unlimited number of trips of a maximum of 30 days in duration.

Global Insurance Travel Medical Coverage GeoBlueAffiliate Available for PrestigeCare Private Health Advisory Members GeoBlue Voyager Global Insurance for Single-Trip International Travel travel insurance Global insurance health coverage may be the last thought we have when planning a trip to another country. Most people do not even realize that while traveling, your current medical insurance can be useless in some countries or that your usual over-the-counter medications are prohibited in many locations. Protect Your Health Around the World. What is GeoBlue VoyagerSM? Short-term travel medical insurance for U.S. residents traveling abroad. Why Choose GeoBlue? Strength of a U.S. Insurer Underwritten by 4 Ever Life Insurance Company, rated A- (Excellent) by A.M. Best. 4 Ever Life is an independent licensee of the Blue Cross and Blue Shield Association. Better Coverage: Our plans are U.S. licensed and feature coverage more generous than plans sold as “surplus coverage.” Our plans do not restrict illnesses or injuries resulting from a terrorist act. We do not impose precertification penalties for hospitalization. We provide coverage for pre-existing conditions for medical evacuation. Pre-existing conditions are also covered in all instances by our Choice plan. A Better Kind of Care: International travelers can leave home feeling confident that a trusted source of care is available at a moment’s notice - no matter what town, country or time zone, with global insurance. Travel anywhere knowing that if your health is a concern, getting good care is not. Global insurance coverage is available through PrestigeCare Private Health Advisory's affiliate partner, GeoBlue. You will have access to short-term global insurance health coverage options that best suit your needs while traveling. Just another way PrestigeCare Private Health Advisory looks out for all your health and wellness needs.* At PrestigeCare, we provide health solution services. *Up to $250,000 of coverage available through our affiliated partner for an unlimited number of trips of a maximum of 30 days in duration.

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A company that insures cellphones and other tech devices is expected to announce plans to open a service call center in Las Vegas that would provide up to 800 jobs within five years.

There were other important reasons for the growth of American individualism at the expense of community in the second half of the twentieth century besides the nature of capitalism. The first arose as an unintended consequence of a number of liberal reforms of the 1960s and 1970s. Slum clearance uprooted and destroyed many of the social networks that existed in poor neighborhoods, replacing them with an anonymous and increasingly dangerous existence in high-rise public housing units. “Good government” drives eliminated the political machines that at one time governed most large American cities. The old, ethnically based machines were often highly corrupt, but they served as a source of local empowerment and community for their clients. In subsequent years, the most important political action would take place not in the local community but at higher and higher levels of state and federal government. A second factor had to do with the expansion of the welfare state from the New Deal on, which tended to make federal, state, and local governments responsible for many social welfare functions that had previously been under the purview of civil society. The original argument for the expansion of state responsibilities to include social security, welfare, unemployment insurance, training, and the like was that the organic communities of preindustrial society that had previously provided these services were no longer capable of doing so as a result of industrialization, urbanization, decline of extended families, and related phenomena. But it proved to be the case that the growth of the welfare state accelerated the decline of those very communal institutions that it was designed to supplement. Welfare dependency in the United States is only the most prominent example: Aid to Familles with Dependent Children, the depression-era legislation that was designed to help widows and single mothers over the transition as they reestablished their lives and families, became the mechanism that permitted entire inner-city populations to raise children without the benefit of fathers. The rise of the welfare state cannot be more than a partial explanation for the decline of community, however. Many European societies have much more extensive welfare states than the United States; while nuclear families have broken down there as well, there is a much lower level of extreme social pathology. A more serious threat to community has come, it would seem, from the vast expansion in the number and scope of rights to which Americans believe they are entitled, and the “rights culture” this produces. Rights-based individualism is deeply embedded in American political theory and constitutional law. One might argue, in fact, that the fundamental tendency of American institutions is to promote an ever-increasing degree of individualism. We have seen repeatedly that communities tend to be intolerant of outsiders in proportion to their internal cohesiveness, because the very strength of the principles that bind members together exclude those that do not share them. Many of the strong communal structures in the United States at midcentury discriminated in a variety of ways: country clubs that served as networking sites for business executives did not allow Jews, blacks, or women to join; church-run schools that taught strong moral values did not permit children of other denominations to enroll; charitable organizations provided services for only certain groups of people and tried to impose intrusive rules of behavior on their clients. The exclusiveness of these communities conflicted with the principle of equal rights, and the state increasingly took the side of those excluded against these communal organizations.

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.

...Here we are concerned with the teaching of not just any subject, but with the direct object of the sentence: composition, about putting words together to create meanings, in the sense that a music composer puts notes together to create new music. Our problem becomes how we can provide the circumstances that promote such learning. Promote is the key word. The evidence is that learning to write in the sense of compose does not take place in the absence of appropriate environments to promote such learning. "To create those environments, if they are to be available to all students, regardless of home environments, we need a set of theories that allow us to integrate not only the varieties of knowledge that writers need, but a theory of teaching writing that demands a combination of optimism and constant skepticism about what we do as teachers. Our integration of theories must allow us to act but, at the same time, insure our constant evaluation of each action, whether tried and true or new.

The Constitution of the United States of America* We the People of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defence, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America.

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

privatising the weaker ones, this space could become even more interesting. The government’s intention to continue with economic reforms is clear from the fact that it brought two ordinances, to clear bills relating to insurance and coal, after the legislative process was stymied by the opposition. Without going ahead with auctioning of coal blocks, India’s power sector would have been badly hit in 2015, and hence it was necessary to bring in an ordinance. What’s in store for 2015? The US will raise interest rates, which will lead to some outflow from emerging markets. But after that foreign money will return, provided that the government continues with its economic reforms. The Make in India campaign would bring back jobs with Prime Minister Narendra Modi asking all his ministries to make it easier to do business in India. A dip either caused by foreign institutional investment outflow or due to a harsher than expected budget or to a political crisis, should be an opportunity to enter the markets.  (J Mulraj is a stock market commentator and India head for Euromoney Conferences;views are personal) Now,

As with Japanese keiretsu, the member firms in a Korean chaebol own shares in each other and tend to collaborate with each other on what is often a nonprice basis. The Korean chaebol differs from the Japanese prewar zaibatsu or postwar keiretsu, however, in a number of significant ways. First and perhaps most important, Korean network organizations were not centered around a private bank or other financial institution in the way the Japanese keiretsu are.8 This is because Korean commercial banks were all state owned until their privatization in the early 1970s, while Korean industrial firms were prohibited by law from acquiring more than an eight percent equity stake in any bank. The large Japanese city banks that were at the core of the postwar keiretsu worked closely with the Finance Ministry, of course, through the process of overloaning (i.e., providing subsidized credit), but the Korean chaebol were controlled by the government in a much more direct way through the latter’s ownership of the banking system. Thus, the networks that emerged more or less spontaneously in Japan were created much more deliberately as the result of government policy in Korea. A second difference is that the Korean chaebol resemble the Japanese intermarket keiretsu more than the vertical ones (see p. 197). That is, each of the large chaebol groups has holdings in very different sectors, from heavy manufacturing and electronics to textiles, insurance, and retail. As Korean manufacturers grew and branched out into related businesses, they started to pull suppliers and subcontractors into their networks. But these relationships resembled simple vertical integration more than the relational contracting that links Japanese suppliers with assemblers. The elaborate multitiered supplier networks of a Japanese parent firm like Toyota do not have ready counterparts in Korea.9

In 2013, Texas passed Florida when it improved its spending on human services, moving up to 49th and leaving Florida — you guessed it — dead last in the nation. Notable also is Florida's failure to provide health insurance to large numbers of children and families eligible for federally funded Medicaid/CHIP programs.

If your needs are not attainable through safe instruments, the solution is not to increase the rate of return by upping the level of risk. Instead, goals may be revised, savings increased, or income boosted through added years of work. . . . Somebody has to care about the consequences if uncertainty is to be understood as risk. . . . As we’ve seen, the chances of loss do decline over time, but this hardly means that the odds are zero, or negligible, just because the horizon is long. . . . In fact, even though the odds of loss do fall over long periods, the size of potential losses gets larger, not smaller, over time. . . . The message to emerge from all this hype has been inescapable: In the long run, the stock market can only go up. Its ascent is inexorable and predictable. Long-term stock returns are seen as near certain while risks appear minimal, and only temporary. And the messaging has been effective: The familiar market propositions come across as bedrock fact. For the most part, the public views them as scientific truth, although this is hardly the case. It may surprise you, but all this confidence is rather new. Prevailing attitudes and behavior before the early 1980s were different. Fewer people owned stocks then, and the general popular attitude to buying stocks was wariness, not ebullience or complacency. . . . Unfortunately, the American public’s embrace of stocks is not at all related to the spread of sound knowledge. It’s useful to consider how the transition actually evolved—because the real story resists a triumphalist interpretation. . . . Excessive optimism helps explain the popularity of the stocks-for-the-long-run doctrine. The pseudo-factual statement that stocks always succeed in the long run provides an overconfident investor with more grist for the optimistic mill. . . . Speaking with the editors of Forbes.com in 2002, Kahneman explained: “When you are making a decision whether or not to go for something,” he said, “my guess is that knowing the odds won’t hurt you, if you’re brave. But when you are executing, not to be asking yourself at every moment in time whether you will succeed or not is certainly a good thing. . . . In many cases, what looks like risk-taking is not courage at all, it’s just unrealistic optimism. Courage is willingness to take the risk once you know the odds. Optimistic overconfidence means you are taking the risk because you don’t know the odds. It’s a big difference.” Optimism can be a great motivator. It helps especially when it comes to implementing plans. Although optimism is healthy, however, it’s not always appropriate. You would not want rose-colored glasses in a financial advisor, for instance. . . . Over the long haul, the more you are exposed to danger, the more likely it is to catch up with you. The odds don’t exactly add, but they do accumulate. . . . Yet, overriding this instinctive understanding, the prevailing investment dogma has argued just the reverse. The creed that stocks grow steadily safer over time has managed to trump our common-sense assumption by appealing to a different set of homespun precepts. Chief among these is a flawed surmise that, with the passage of time, downward fluctuations are balanced out by compensatory upward swings. Many people believe that each step backward will be offset by more than one step forward. The assumption is that you can own all the upside and none of the downside just by sticking around. . . . If you find yourself rejecting safe investments because they are not profitable enough, you are asking the wrong questions. If you spurn insurance simply because the premiums put a crimp in your returns, you may be destined for disappointment—and possibly loss.

Several years earlier, when Henson Associates’ insurance provider had notified Jim that it would no longer be paying all of Christine’s medical expenses, Jim had insisted that Henson Associates change insurance companies to ensure her costs would continue to be fully covered. Nelson had gone to Jim’s office and tearfully thanked him in person, nearly choking on emotion. “Jerry,” said Jim, smiling, “that’s what insurance companies are for.

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For our purposes, the term homesteading simply refers to a lifestyle that promotes greater self-sufficiency and resilience while providing insurance against “the system” by simplifying the complexities of our modern society and our lives down to focus on addressing our basic needs. Think