Insurance Success Quotes

Use the first moments in study. You may miss many an opportunity for quick victory this way, but the moments of study are insurance of success. Take your time and be sure.

We cannot insure success, but we can deserve it.

The possession of a perfect knowledge of your business is an absolute necessity in order to insure success.

Every business should own, at minimum, a general liability insurance policy. The business needs to protect itself and mitigate against risk.

A city street equipped to handle strangers, and to make a safety asset, in itself, our of the presence of strangers, as the streets of successful city neighborhoods always do, must have three main qualities: First, there must be a clear demarcation between what is public space and what is private space. Public and private spaces cannot ooze into each other as they do typically in suburban settings or in projects. Second, there must be eyes upon the street, eyes belonging to those we might call the natural proprietors of the street. The buildings on a street equipped to handle strangers and to insure the safety of both residents and strangers, must be oriented to the street. They cannot turn their backs or blank sides on it and leave it blind. And third, the sidewalk must have users on it fairly continuously, both to add to the number of effective eyes on the street and to induce the people in buildings along the street to watch the sidewalks in sufficient numbers. Nobody enjoys sitting on a stoop or looking out a window at an empty street. Almost nobody does such a thing. Large numbers of people entertain themselves, off and on, by watching street activity.

You know, nothing is stronger than blood bonds. What else is the reason for the success of life insurance policies? Why bother with what happens to your blood relatives after your death? After all, you stop existing. Why then bother about what is happening to your kids, and why be concerned about what is happening on Earth even? Well, it’s because, after one’s final exit, one lives through one’s children.

If we are looking for insurance against want and oppression, we will find it only in our neighbors' prosperity and goodwill and, beyond that, in the good health of our worldly places, our homelands. If we were sincerely looking for a place of safety, for real security and success, then we would begin to turn to our communities - and not the communities simply of our human neighbors but also of the water, earth, and air, the plants and animals, all the creatures with whom our local life is shared. (pg. 59, "Racism and the Economy")

Writing again, he stressed that the events of war are always uncertain. Then, paraphrasing a favorite line from the popular play Cato by Joseph Addison - a line that General Washington, too, would often call upon - Adams told her, "We cannot insure success, but we can deserve it.

If you dread ending up in the bunker, practice these tricky out-of-the-sand shots until you master them. Think of it as insurance—we all have learned that, once you know you can make that shot easily, you will seldom need to!

A long while ago, a great warrior faced a situation which made it necessary for him to make a decision which insured his success on the battlefield. He was about to send his armies against a powerful foe, whose men outnumbered his own. He loaded his soldiers into boats, sailed to the enemy’s country, unloaded soldiers and equipment, then gave the order to burn the ships that had carried them. Addressing his men before the first battle, he said, “You see the boats going up in smoke. That means that we cannot leave these shores alive unless we win! We now have no choice—we win, or we perish! They won.

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.

Everything big, once started little. Use self-control to become an excellent person at what you want. Discipline yourself. Work to build excellent habits. Develop excellent skills and abilities. Doing this over time, insures you will grow at what you want for top success.

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

Everything big, once started little. Use self-control to grow to become an excellent person at what you want. Discipline yourself. Work to build excellent habits. Grow and develop excellent skills and abilities. Doing this over time, insures you will make solid progress at what you want for top success and achievement.

Everything big, once started little. Use self-control to grow to become an excellent person at what you want. Discipline yourself and work to build excellent habits. Grow and develop excellent skills and abilities. Constant self-growth over time, insures you will make solid progress at what you want for great success and achievement.

He fulfilled in all emergencies those three conditions which united ought to insure human success—activity of mind and body, impetuous wishes, and powerful will.

The lesson of history that all human rights are indivisible and that the failure to adhere to this principle jeopardizes the rights of all is particularly applicable here. A built-in hazard of an aggressive ethnocentric movement which disregards the interests of other disadvantaged groups is that it will become parochial and ultimately self-defeating in the face of hostile reactions, dwindling allies, and mounting frustrations...Only a broad movement for human rights can prevent the Black Revolution from becoming isolated and can insure ultimate success.

It‘s utterly astounding that every time I get knocked down God’s mercy compassionately raises me to my feet; His grace thoroughly brushes off every trace of assorted filth I accumulated in the fall, His word precisely recalibrates my direction to insure the success of a journey resumed, and once all of that is completed He gently leans over and whispers, “How about another run?

He had wondered, as had most people at one time or another, precisely why an android bounced helplessly about when confronted by an empathy-measuring test. Empathy, evidently, existed only within the human community, whereas intelligence to some degree could be found throughout every phylum and order including the arachnida. For one thing, the empathic faculty probably required an unimpaired group instinct; a solitary organism, such as a spider, would have no use for it; in fact it would tend to abort a spider’s ability to survive. It would make him conscious of the desire to live on the part of his prey. Hence all predators, even highly developed mammals such as cats, would starve. Empathy, he once had decided, must be limited to herbivores or anyhow omnivores who could depart from a meat diet. Because, ultimately, the empathic gift blurred the boundaries between hunter and victim, between the successful and the defeated. As in the fusion with Mercer, everyone ascended together or, when the cycle had come to an end, fell together into the trough of the tomb world. Oddly, it resembled a sort of biological insurance, but double-edged. As long as some creature experienced joy, then the condition for all other creatures included a fragment of joy. However, if any living being suffered, then for all the rest the shadow could not be entirely cast off. A herd animal such as man would acquire a higher survival factor through this; an owl or a cobra would be destroyed. Evidently the humanoid robot constituted a solitary predator.

Reviewing our experiences, we had become more and more convinced that carrying arms was not only unnecessary in most grizzly country but was certainly no good for the desired atmosphere and proper protocol in obtaining good film records. If we were to obtain such film and fraternize successfully with the big bears, it would be better to go unarmed in most places. The mere fact of having a gun within reach, cached somewhere in a pack or a hidden holster, causes a man to act with unconscious arrogance and thus maybe to smell different or to transmit some kind of signal objectionable to bears. The armed man does not assume his proper role in association with the wild ones, a fact of which they seem instantly aware at some distance. He, being wilder than they, whether he likes to admit it or not, is instantly under even more suspicion than he would encounter if unarmed. One must follow the role of an uninvited visitor—an intruder—rather than that of an aggressive hunter, and one should go unarmed to insure this attitude.

To combat socialism Bismarck put through between 1883 and 1889 a program for social security far beyond anything known in other countries. It included compulsory insurance for workers against old age, sickness, accident and incapacity, and though organized by the State it was financed by employers and employees. It cannot be said that it stopped the rise of the Social Democrats or the trade unions, but it did have a profound influence on the working class in that it gradually made them value security over political freedom and caused them to see in the State, however conservative, a benefactor and a protector. Hitler, as we shall see, took full advantage of this state of mind. In this, as in other matters, he learned much from Bismarck. “I studied Bismarck’s socialist legislation,” Hitler remarks in Mein Kampf (p. 155), “in its intention, struggle and success.

Everything big, once started little. Most famous people started just where you are at now. Catapult yourself to success. Practice self-discipline. Work to develop excellent skills and abilities. Learn to be polite and diplomatic. Doing this, helps insure you grow big at what you want for success.

Everything big, once started little. Most famous people started just where you are at now. Catapult yourself to success. Practice self-discipline. Work to develop excellent skills and abilities. Learn to be polite and diplomatic. Doing this, helps insure you will grow big at what you want for success.

But airport security is meant mostly to impress honest citizens and insurance companies, and secondarily to catch hijackers and other crazies. There is no security against a man with his own truck and his own clipboard, and Inter-Air Forwarding was a safe, reliable financial success from the beginning.

Feeling Faint Issue: I’m happy losing weight with a low carbohydrate diet, but I’m always tired, get light headed when I stand up, and if I exercise for more than 10 minutes I feel like I’m going to pass out. Response: Congratulations on your weight loss success, and with just a small adjustment to your diet, you can say goodbye to your weakness and fatigue. The solution is salt…a bit more salt to be specific. This may sound like we’re crazy when many experts argue that we should all eat less salt, however these are the same experts who tell us that eating lots of carbohydrates and sugar is OK. But what they don’t tell you is that your body functions very differently when you are keto-adapted. When you restrict carbs for a week or two, your kidneys switch from retaining salt to rapidly excreting it, along with a fair amount of stored water. This salt and water loss explains why many people experience rapid weight loss in the first couple of weeks on a low carbohydrate diet. Ridding your body of this excess salt and water is a good thing, but only up to a point. After that, if you don’t replace some of the ongoing sodium excretion, the associated water loss can compromise your circulation The end result is lightheadedness when you stand up quickly or fatigue if you exercise enough to get ‘warmed up’. Other common side effects of carbohydrate restriction that go away with a pinch of added salt include headache and constipation; and over the long term it also helps the body maintain its muscles. The best solution is to include 1 or 2 cups of bouillon or broth in your daily schedule. This adds only 1-2 grams of sodium to your daily intake, and your ketoadapted metabolism insures that you pass it right on through within a matter of hours (allaying any fears you might have of salt buildup in your system). This rapid clearance also means that on days that you exercise, take one dose of broth or bouillon within the hour before you start.

Learned, clear-headed, and practical, he fulfilled in all emergencies those three conditions which united ought to insure human success--activity of mind and body, impetuous wishes, and powerful will. He might have taken for his motto that of William of Orange in the 17th century: "I can undertake and persevere even without hope of success.

Empathy, he once had decided, must be limited to herbivores or anyhow omnivores who could depart from a meat diet. Because, ultimately, the emphatic gift blurred the boundaries between hunter and victim, between the successful and the defeated. As in fusion with Mercer, everyone ascended together or, when the cycle had come to an end, fell together into the trough of the tomb world. Oddly, it resembled a sort of a biological insurance, but double-edged. As long as some creature experienced joy, then the condition for all other creatures included a fragment of joy. However, if any living being suffered, then for all the rest of the shadow could not be entirely cast off. A herd animal such as man would acquire a higher survival factor through this; an owl or a cobra would be destroyed.

the virtue of the whole people.… Nothing is wanting,” he declared, “but that their fortitude should equal their bravery to insure the success of our cause. We must expect reverses, even defeats. They are sent to teach us wisdom and prudence, to call forth greater energies, and to prevent our falling into greater disasters. Our people have only to be true and united, to bear manfully the misfortunes incident to war, and all will come right in the end.

They, the lawmakers, were hoodwinked by the insurance companies who are still funding the national tort reform movement, a political crusade that has been wildly successful. Virtually every state has fallen in line with caps on damages and other laws designed to keep folks away from the courthouse. So far, no one has seen a decline in insurance rates. An investigative report by my pal at the Chronicle revealed that 90 percent of our legislators took campaign money from the insurance industry. And this is considered a democracy.

A prison is perhaps the easiest place to see the power of bad incentives. And yet in many walks of life, we find otherwise normal men and women caught in the same trap and busily making the world much less good than it could be. Elected officials ignore long-term problems because they must pander to the short-term interests of voters. People working for insurance companies rely on technicalities to deny desperately ill patients the care they need. CEOs and investment bankers run extraordinary risks—both for their businesses and for the economy as a whole—because they reap the rewards of success without suffering the penalties of failure. District attorneys continue to prosecute people they know to be innocent because their careers depend on winning cases. Our government fights a war on drugs that creates the very problem of black-market profits and violence that it pretends to solve. We need systems that are wiser than we are. We need institutions and cultural norms that make us more honest and ethical than we tend to be. The project of building them is distinct from—and, in my view, even more important than—an individual’s refining his personal ethical code.

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.

Empathy, evidently, existed only within the human community, whereas intelligence to some degree could be found throughout every phylum and order including the arachnida. For one thing, the empathic faculty probably required an unimpaired group instinct; a solitary organism, such as a spider, would have no use for it; in fact it would tend to abort a spider’s ability to survive. It would make him conscious of the desire to live on the part of his prey. Hence all predators, even highly developed mammals such as cats, would starve. Empathy, he once had decided, must be limited to herbivores or anyhow omnivores who could depart from a meat diet. Because, ultimately, the empathic gift blurred the boundaries between hunter and victim, between the successful and the defeated. As in the fusion with Mercer, everyone ascended together or, when the cycle had come to an end, fell together into the trough of the tomb world. Oddly, it resembled a sort of biological insurance, but double-edged. As long as some creature experienced joy, then the condition for all other creatures included a fragment of joy. However, if any living being suffered, then for all the rest the shadow could not be entirely cast off.

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.

... as Herman (1992b) cogently noted two decades ago, these personality disorders can be iatrogenic, causing harm to individuals as an inadvertent result of the social stigma they carry and the widespread (but not entirely accurate) belief among professionals and insurers that those with Cluster B personality disorders (especially borderline personality disorder[BPD]) cannot be treated successfully, cannot recover, and are a headache to practitioners. For example, the BPD diagnosis continues to be applied predominantly to women often, but not always, in a negative way, usually signifying that they are irrational and beyond help. Describing posttraumatic symptoms as a personality disorder not only can be demoralizing for the client due to its connotation that something is defective with his or her core self (i.e., personality) but also may misdirect the therapist by implying that the patient's core personality should be the focus of treatment rather than trauma-related adaptations that affect but are distinct from the core self. In this way, both therapists and their clients may overlook personality strengths and capacities that are healthy and sources of resilience that can be a basis for building on and enhancing (rather than "fixing" or remaking) the patient's core self and personality.

Inarguably, a successful restaurant demands that you live on the premises for the first few years, working seventeen-hour days, with total involvement in every aspect of a complicated, cruel and very fickle trade. You must be fluent in not only Spanish but the Kabbala-like intricacies of health codes, tax law, fire department regulations, environmental protection laws, building code, occupational safety and health regs, fair hiring practices, zoning, insurance, the vagaries and back-alley back-scratching of liquor licenses, the netherworld of trash removal, linen, grease disposal. And with every dime you've got tied up in your new place, suddenly the drains in your prep kitchen are backing up with raw sewage, pushing hundreds of gallons of impacted crap into your dining room; your coke-addled chef just called that Asian waitress who's working her way through law school a chink, which ensures your presence in court for the next six months; your bartender is giving away the bar to under-age girls from Wantagh, any one of whom could then crash Daddy's Buick into a busload of divinity students, putting your liquor license in peril, to say the least; the Ansel System could go off, shutting down your kitchen in the middle of a ten-thousand-dollar night; there's the ongoing struggle with rodents and cockroaches, any one of which could crawl across the Tina Brown four-top in the middle of the dessert course; you just bought 10,000 dollars-worth of shrimp when the market was low, but the walk-in freezer just went on the fritz and naturally it's a holiday weekend, so good luck getting a service call in time; the dishwasher just walked out after arguing with the busboy, and they need glasses now on table seven; immigration is at the door for a surprise inspection of your kitchen's Green Cards; the produce guy wants a certified check or he's taking back the delivery; you didn't order enough napkins for the weekend — and is that the New York Times reviewer waiting for your hostess to stop flirting and notice her?

first. In a financial system that was rapidly generating complicated risks, AIG FP became a huge swallower of those risks. In the early days it must have seemed as if it was being paid to insure events extremely unlikely to occur, as it was. Its success bred imitators: Zurich Re FP, Swiss Re FP, Credit Suisse FP, Gen Re FP. (“Re” stands for Reinsurance.) All of these places were central to what happened in the last two decades; without them, the new risks being created would have had no place to hide and would have remained in full view of bank regulators. All of these places, when the crisis came, would be washed away by the general nausea felt in the presence of complicated financial risks, but there was a moment when their existence seemed cartographically necessary to the financial world. AIG FP was the model for them all.

employment attorney review your severance letter of agreement before you sign it. “Even if you decide not to negotiate your financial package, you may want to negotiate other things, like health insurance and references for your next job,” she explains. Go in with the expectation that you won’t get everything you ask for, but you will get more than what they originally offered. Weinberg recommends an often-used formula to calculate severance: number of years at the company multiplied by two weeks’ pay = severance total. Request back pay for unused vacation days, plus a portion of the bonus you were expected to receive at the end of the year. Request a written letter of recommendation and assurance that it will be upheld if a prospective employer calls for references, and ask for a written agreement that any noncompete clause in your original offer is at this point null and void.

DECALOGUE, n. A series of commandments, ten in number—just enough to permit an intelligent selection for observance, but not enough to embarrass the choice. Following is the revised edition of the Decalogue, calculated for this meridian. Thou shalt no God but me adore: 'Twere too expensive to have more. No images nor idols make For Robert Ingersoll to break. Take not God's name in vain; select A time when it will have effect. Work not on Sabbath days at all, But go to see the teams play ball. Honor thy parents. That creates For life insurance lower rates. Kill not, abet not those who kill; Thou shalt not pay thy butcher's bill. Kiss not thy neighbor's wife, unless Thine own thy neighbor doth caress Don't steal; thou'lt never thus compete Successfully in business. Cheat. Bear not false witness—that is low— But "hear 'tis rumored so and so." Cover thou naught that thou hast not By hook or crook, or somehow, got.

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

This has been a long and imperfect journey. It is a journey I am still on. I will always be on. And it is one I would like to share with you. I want company along my road. This is an invitation to question your life and, should you desire, to find the courage to erase the lines that imprison you and to reimagine a better you. And if you do not get it just right (none of us do), you are invited to keep redrawing and redrawing until you feel your outer world matches your inner life. If falling short of our goals is truly what terrifies us, then we should do away with half measures. The notion that dipping a toe in the water somehow protects us is nothing short of fear propagation—and in fact guarantees the hurt we fear. Be bold. Name what you want. Give it voice and then give it action. Success is not guaranteed but commitment and courage are the only insurance we have. This is serious. Every day that passes is another day closer to looking back on your life and seeing whether you have done something meaningful. Don’t let the days pass without doing something great. Be the architect of your dreams.

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.

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?

In other words, you have been hypnotized or conditioned by an educational processing-system arranged in grades or steps, supposedly leading to some ultimate Success. First nursery school or kindergarten, then the grades or forms of elementary school, preparing you for the great moment of secondary school! But then more steps, up and up to the coveted goal of the university. Here, if you are clever, you can stay on indefinitely by getting into graduate school and becoming a permanent student. Otherwise, you are headed step by step for the great Outside World of family-raising, business, and profession. Yet graduation day is a very temporary fulfillment, for with your first sales-promotion meeting you are back in the same old system, being urged to make that quota (and if you do, they’ll give you a higher quota) and so progress up the ladder to sales manager, vice-president, and, at last, president of your own show (about forty to forty-five years old). In the meantime, the insurance and investment people have been interesting you in plans for Retirement—that really ultimate goal of being able to sit back and enjoy the fruits of all your labors. But when that day comes, your anxieties and exertions will have left you with a weak heart, false teeth, prostate trouble, sexual impotence, fuzzy eyesight, and a vile digestion.

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.

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

Wendy sat in my o ice, perched on the edge of her chair, alert, inquisitive, and a little bit embarrassed. An experienced and highly successful real estate agent, she had come to me for a financial consultation—and the facts of her situation were hardly reassuring. Although she earned well over $250,000 a year and was able to put two kids through private school at an annual cost of $15,000 each, her personal finances were a mess. A self-employed single parent, she had less than $25,000 saved for retirement, no life or disability insurance, and never bothered to write a will. In short, this intelligent, ambitious businesswoman was completely unprotected from the unexpected and utterly unprepared for the future. When I asked Wendy why she had never done any financial planning, she shrugged and o ered a response I'd heard countless times before: “I've always been too busy working to focus on what to do with the money I make.

Difficult People “So be strong and courageous! Do not be afraid and do not panic before them. For the LORD your God will personally go ahead of you. He will neither fail you nor abandon you.” DEUTERONOMY 31:6 NLT Jennifer had been successful in her job at a large insurance company, but a shift in management turned her dream job into a nightmare. Jennifer and her new boss did not get along. Whatever she did, he seemed displeased. He called her into his office and complained about her work, and he stood at her desk and scolded her in front of her coworkers. Sometimes Jennifer went home and cried. She didn’t know what to do. There were several options. She could find another job; she could learn to put up with her boss’s bad behavior; or she could confront him in a godly way. As she searched for answers through prayer and scripture, Jennifer decided to have a talk with her boss. The idea frightened her. Her mind raced with the consequences. She could lose her job! Still, it was what she needed to do. Jennifer carefully prepared what she would say. She planned her next steps if the conversation went badly, and she held tightly to the promise that the Lord would lead her. Are you dealing with a difficult person? Then do what Jennifer did. Seek God’s will. Act in faith knowing that He will support you. Lord, help me in my relationship with _____________. Show me what to do. Amen.

These bridging roles may soon become the responsibility of every manager. “I believe,” said Markus Nordlin, CIO of Zurich Insurance, “that the successful leaders of tomorrow, in any business or industry, are going to be true hybrid professionals who have spent some time in IT but have shifted to operations and vice-versa.

Non-teenagers might find his appeal difficult to understand, as he isn’t especially handsome, or big, or even funny; his features are striking only in their regularity, the overall effect being one of solidity, steadiness, the quiet self-assurance one might associate with, for instance, a long-established and successful bank. But that, in fact, is the whole point. One look at Titch, in his regulation Dubarrys, Ireland jersey and freshly topped-up salon tan, and you can see his whole future stretched out before him: you can tell that he will, when he leaves this place, go on to get a good job (banking/insurance/consultancy), marry a nice girl (probably from the Dublin 18 area), settle down in a decent neighbourhood (see above) and about fifteen years from now produce a Titch Version 2.0 who will think his old man is a bit of a knob sometimes but basically all right. The danger of him ever drastically changing – like some day joining a cult, or having a nervous breakdown, or developing out of nowhere a sudden burning need to express himself and taking up some ruinously expensive and embarrassing-to-all-that-know-him discipline, like modern dance, or interpreting the songs of Joni Mitchell in a voice that, after all these years, is revealed to be disquietingly feminine – is negligible. Titch, in short, is so remarkably unremarkable that he has become a kind of embodiment of his socioeconomic class; a friendship/sexual liaison with Titch has therefore come to be seen as a kind of self-endorsement, a badge of Normality, which at this point in life is a highly prized commodity.

Along with John and Judi, we took a big risk and started filming on the movie before we had a contract signed with MGM. There didn’t seem to be any choice. I imagined all the insurance underwriters across the world reacting to the phrase “live crocodiles.” Those two words would be enough to blow them right out of their cubicles. So we began shooting with our zoo crocodiles, but without signatures on the dotted line for the movie. A particular scene in the script--and a good example of an insurance man’s nightmare--had a crocodile trying to lunge into a boat. Only Steve’s expertise could make this happen, since the action called for Steve and me to be in the boat at the time. If the lunging crocodile happened to hook his head over the edge of the boat, he would tip us both into the water. That would be a one-way trip. “How are you going to work it?” I asked Steve. “Get the crocs accustomed to the dinghy first,” he said. “Then I’ll see if I can get them interacting with me while I’m in the boat.” First he tried Agro, one of our biggest male crocs. Agro was too wary of the boat. He’s a smart crocodile. I think he remembered back when he was captured. He didn’t want any of it. We decided to try with our friend Charlie. Charlie had been very close to ending up at a farm, his skin turned into boots, bags, and belts. He definitely had attitude. He spent a lot of his time trying to kill everything within range. Steve felt good about the possibility of Charlie having a go. Because he was filming a movie and not shooting a documentary, John had a more complex setup than usual, utilizing three thirty-five-millimeter cameras. Each one would film in staggered succession, so that the film magazine changes would never happen all at once. There would never be a time when film was not rolling. We couldn’t very well ask a crocodile to wait while a fresh mag was loaded into a camera. “You need to be careful to stay out of Charlie’s line of sight,” Steve said to me. “I want Charlie focusing only on me. If he changes focus and starts attacking you, it’s going to be too difficult for me to control the situation.” Right. Steve got no argument from me. Getting anywhere near those bone-crushing jaws was the furthest thing from my mind. I wasn’t keen on being down on the water with a huge saltwater crocodile trying to get me. I would have to totally rely on Steve to keep me safe.

easing the learning curve of new users is essential to successful ODR implementations. Provide an animated Flash movie, narrated by a human voice, that explains how to use the ODR tools made available to users. Provide extensive documentation and context-sensitive help files, so that users can always get a quick answer to questions that may arise. As one of the focus group participants put it, "The instructions, tour, and attention to detail were all helpful. For me, it was the `fear of the unknown' and the ... belief that [the platform] would be difficult" It is the job of the designers of ODR technology to proactively address this fear and to ease new users into an understanding of how new tools will benefit them. Don't

Why? Personalities! Ninety-nine people out of every hundred who purchase life insurance policies do not know what is in their policies and, what seems more startling, do not seem to care. What they really purchase is the pleasing personality of some man or woman who knows the value of cultivating such a personality. Your

To be a successful investor requires being a good risk manager. Managing risk means having a plan to cover the downside. That’s what insurance is all about—damage control to prevent the unforeseen from smashing your nest egg.

was very broke. Not poor, never poor. Privileged and downwardly mobile. Like many of my peers, I could afford to work in publishing because I had a safety net. I had graduated college debt-free, by no accomplishment of my own: my parents and grandparents had saved for my tuition since I was a blur on the sonogram. I had no dependents. I had secret, minor credit-card debt, but I did not want to ask for help. Borrowing money to make rent, or pay off a medical bill, or even, in a fit of misguided aspiration, buy my own wrap dress, always felt like a multifront failure. I was ashamed that I couldn’t support myself, and ashamed that my generous, forgiving parents were effectively subsidizing a successful literary agency. I had one year left on their health insurance. The situation was not sustainable. I was not sustainable.

People may think life insurance has nothing to do with retirement but, the truth is, life insurance has everything to do with it! The people who enter retirement with a significant amount of permanent life insurance will likely enjoy a much happier and more successful retirement than those who don't.

Anticipated receipt of a fixed amount from life insurance proceeds represents a virtual fixed-income asset, suggesting a diminished role for bonds in an investor’s portfolio.

Picture a small South American dictatorship, weakened by economic stresses and a popular demand for more freedom, resulting from the existence of a laissez-faire society nearby. What would the dictator of such a country do if faced by a large and powerful insurance company and its defense service (or even a coalition of such companies) demanding that he remove all taxes, trade restrictions, and other economic aggressions from, say, a mining firm protected by the insurance company? If the dictator refuses the demand, he faces an armed confrontation which will surely oust him from his comfortable position of rule. His own people are restless and ready to revolt at any excuse. Other nations have their hands full with similar problems and are not eager to invite more trouble by supporting his little dictatorship. Besides this, the insurance company, which doesn’t recognize the validity of governments, has declared that in the event of aggression against its insured it will demand reparations payments, not from the country as a whole, but from every individual directly responsible for directing and carrying out the aggression. The dictator hesitates to take such an awful chance, and he knows that his officers and soldiers will be very reluctant to carry out his order. Even worse, he can’t arouse the populace against the insurance company by urging them to defend themselves—the insurance company poses no threat to them. A dictator in such a precarious position would be strongly tempted to give in to the insurance company’s demands in order to salvage what he could (as the managers of the insurance company were sure he would before they undertook the contract with the mining firm). But even giving in will not save the dictator’s government for long As soon as the insurance company can enforce noninterference with the mining company, it has created an enclave of free territory within the dictatorship. When it becomes evident that the insurance company can make good its offer of protection from the government, numerous businesses and individuals, both those from the laissez-faire society and citizens of the dictatorship, will rush to buy similar protection (a lucrative spurt of sales foreseen by the insurance company when it took its original action). At this point, it is only a matter of time until the government crumbles from lack of money and support, and the whole country becomes a free area. In this manner, the original laissez-faire society, as soon as its insurance companies and defense agencies became strong enough, would generate new laissez-faire societies in locations all over the world. These new free areas, as free trade made them economically stronger, would give liberty a tremendously broadened base from which to operate and would help prevent the possibility that freedom could be wiped out by a successful sneak attack against the original laissez-faire society. As the world-wide, interconnected free market thus formed became stronger and the governments of the world became more tyrannical and chaotic, it would be possible for insurance companies and defense agencies to create free enclaves within more and more nations, a sales opportunity which they would be quick to take advantage of.

Justin Litzenberg is a confident person who believes he can build a successful career in whichever industry he ends up in. The meticulous quality inspector has his sights set on the financial industry and considers the insurance industry as one with endless potential. He hopes to use the skills he has learned throughout his career to start and build a successful career in the insurance industry. He has already applied to get his insurance certification.

by the time this teacher was telling me that Wilberforce had set Africans free I already had some knowledge of the rebel slaves known as ‘Maroons’ across the Caribbean, and of the Haitian Revolution, so I had some idea that the enslaved had not just sat around waiting for Wilberforce, or anyone else for that matter, to come and save them. While it’s certainly true that Britain had a popular abolitionist movement to a far greater degree than the other major slaveholding powers in Europe at the time, and this is in its own way interesting and remarkable, generations of Brits have been brought up to believe what amount to little more than fairy tales with regard to the abolition of slavery. If you learn only three things during your education in Britain about transatlantic slavery they will be: 1. Wilberforce set Africans free 2. Britain was the first country to abolish slavery (and it did so primarily for moral reasons) 3. Africans sold their own people. The first two of these statements are total nonsense, the third is a serious oversimplification. What does it say about this society that, after two centuries of being one of the most successful human traffickers in history, the only historical figure to emerge from this entire episode as a household name is a parliamentary abolitionist? Even though the names of many of these human traffickers surround us on the streets and buildings bearing their names, stare back at us through the opulence of their country estates still standing as monuments to king sugar, and live on in the institutions and infrastructure built partly from their profits – insurance, modern banking, railways – none of their names have entered the national memory to anything like the degree that Wilberforce has. In fact, I sincerely doubt that most Brits could name a single soul involved with transatlantic slavery other than Wilberforce himself. The ability for collective, selective amnesia in the service of easing a nation’s cognitive dissonance is nowhere better exemplified than in the manner that much of Britain has chosen to remember transatlantic slavery in particular, and the British Empire more generally

Be reminded that dreaming and hoping is not the same as scheming and working. Working for the sake of it will not insure you of success but purposeful, meaningful work will help you move the needle towards what you want for you and your family. When is the last time you “sweat” in the process? When is the last time you worked a few hours more than all those in your company? When is “hustle” more to be desired than pacing yourself?

We shall pay any price, bear any burden, meet any hardship, support any friend, oppose any foe, to insure the survival and the success of liberty.” — President John F. Kennedy in his inaugural speech, January 20, 1961.

Acquiring a deep understanding of the target customer should not be short-changed — by anyone writing sales copy, at any time, for any purpose. As I was writing this edition of this book, I was writing copy for a long-time client, the Guthy-Renker Corporation, for their hugely successful Proactiv® brand of acne products. There are three different people to talk to about this — the teen sufferer, the teen's mom, and playing the odds, the adult female sufferer. This had me reading past and current issues of nearly a hundred magazines, including all the teen and preteen magazines, all the mom magazines, and all the women's magazines, having copious online research done for me, doing “conversational research” directly with people in all three groups, and even hiring a dozen freelance readers — teens, parents of teens, and young women — to critique my copy. Also, as I was writing this edition of this book, I began work on copy aimed at highly successful, professional financial and investment advisors, financial planners, and top-performing life insurance and annuities agents, which required a similar investment of time and energy in crawling inside their psyche, tribal language, daily experiences. Freelance writers worth their salt know they must do this sort of thing, and do. The danger for the business owner writing copy for himself and for his own business is ingrained assumption — encouraging shortcutting or altogether neglecting this step. The only sure way to keep your own accumulated but untested opinions and beliefs about your customers from sabotaging your sales letters is to start anew, from scratch, and to engage in getting to know the customers just as if you were arriving to write for them for the first time, with no foreknowledge.

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

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

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.

Curbing the financial sector. Since so much of the increase in inequality is associated with the excesses of the financial sector, it is a natural place to begin a reform program. Dodd-Frank is a start, but only a start. Here are six further reforms that are urgent: (a) Curb excessive risk taking and the too-big-to-fail and too-interconnected-to-fail financial institutions; they’re a lethal combination that has led to the repeated bailouts that have marked the last thirty years. Restrictions on leverage and liquidity are key, for the banks somehow believe that they can create resources out of thin air by the magic of leverage. It can’t be done. What they create is risk and volatility.2 (b) Make banks more transparent, especially in their treatment of over-the-counter derivatives, which should be much more tightly restricted and should not be underwritten by government-insured financial institutions. Taxpayers should not be backing up these risky products, no matter whether we think of them as insurance, gambling instruments, or, as Warren Buffett put it, financial weapons of mass destruction.3 (c) Make the banks and credit card companies more competitive and ensure that they act competitively. We have the technology to create an efficient electronics payment mechanism for the twenty-first century, but we have a banking system that is determined to maintain a credit and debit card system that not only exploits consumers but imposes large fees on merchants for every transaction. (d) Make it more difficult for banks to engage in predatory lending and abusive credit card practices, including by putting stricter limits on usury (excessively high interest rates). (e) Curb the bonuses that encourage excessive risk taking and shortsighted behavior. (f) Close down the offshore banking centers (and their onshore counterparts) that have been so successful both at circumventing regulations and at promoting tax evasion and avoidance. There is no good reason that so much finance goes on in the Cayman Islands; there is nothing about it or its climate that makes it so conducive to banking. It exists for one reason only: circumvention. Many

HMOs have been so successful that they now occupy a dominant position in the market for health care in the United States. Approximately forty-five million Americans are uninsured. Of the remainder, about half are enrolled in some type of HMO. Most others receive some sort of managed care plan. Less than 10 per cent of Americans still have classic fee-for-service private health insurance (down from more than 70 per cent in the late ’80s). So even though many people equate HMOs with private health care, these sorts of corporations exist only because of the failure of private markets to supply appropriate health care. HMOs succeed precisely because they are more efficient than insurance markets. There should be no illusions about the character of these organizations—they are giant bureaucracies. The largest of them, Kaiser Permanente, employs over eleven thousand physicians and has more than six million subscribers in the state of California alone. This makes Kaiser larger than most of the government-run health care systems in Canada. And while the Canadian system is extremely decentralized, Kaiser Permanente is a single, vertically integrated corporation.

If I had booked a car service, it would have delivered me to Princeton ten minutes before the meeting. Instead, I chose to save $115, and lost a $125,000 opportunity in the process. You have to invest. The investments you make, of both time and money, demonstrate your confidence in what you are offering. The premium prices you pay are literally that: premiums. They are your insurance in your success. I overlooked that once. I never have again.

One of the basic decisions I made in this period affected the heart of my franchise system and how it would develop. It was that the corporation was not going to get involved in being a supplier for its operators. My belief was that I had to help the individual operator succeed in every way I could. His success would insure my success. But I couldn’t do that and, at the same time, treat him as a customer. There is a basic conflict in trying to treat a man as a partner on the one hand while selling him something at a profit on the other.

We do this because a century and a half ago we embraced business as the dominant model for our outer and inner lives. Ours is an ideology of achieved identity; obligatory striving is its method, and failure and success are its outcomes. We reckon our incomes once a year but audit ourselves daily, by standards of long-forgotten origin. Who thinks of the old counting house when we "take stock" of how we "spend" our lives, take "credit" for our gains, or try not to end up "third rate" or "good for nothing"? Someday, we hope, "the bottom line" will show that we "amount to something." By this kind of talk we "balance" our whole lives, not just our accounts. Willy Loman speaks this way. Choosing suicide to launch his sons with insurance money, he asks, "Does it take more guts to stand here the rest of my life ringing up a zero?" He insists that a man is not a piece of fruit to be eaten and the peel discarded, but he does not see that a man is not a cash register.'°

A long while ago, a great warrior faced a situation which made it necessary for him to make a decision which insured his success on the battlefield. He was about to send his armies against a powerful foe, whose men outnumbered his own. He loaded his soldiers into boats, sailed to the enemy's country, unloaded soldiers and equipment, then gave the order to burn the ships that had carried them. Addressing his men before the first battle, he said, "You see the boats going up in smoke. That means that we cannot leave these shores alive unless we win! We now have no choice-we win-or we perish!  They won.

Netherlands, which has a restrictive immigration policy compared to the United States. Most European nations, including the Netherlands, after all, have universal health insurance coverage, which makes drug treatment and psychiatric treatment more available, and the Dutch government subsidizes more housing. Finally, the Netherlands’ big success was with heroin, which has effective pharmacological substitutes, methadone and Suboxone, not with meth, which lacks anything similar. But there may be fewer obstacles than appear. The Netherlands has a private health-care insurance system similar to that of the United States and covered the people who needed health care in ways similar to Medicaid and the Affordable Care Act, which significantly expanded access to drug treatment, including medically assisted treatment, in the United States.4 San Francisco subsidizes a significant quantity of housing, as we have seen. While California is larger than the Netherlands, the population of Amsterdam (872,000) is nearly identical to San Francisco’s (882,000).5 And while California’s population and geographic area are larger and more difficult to manage than those of the Netherlands, California also has significantly greater wealth and resources, constituting in 2019 the fifth-largest economy in the world.6 And the approach to breaking up open drug scenes, treating addiction, and providing psychiatric care is fundamentally the same whether in five European cities, Philadelphia, New York, or Phoenix.

From the pragmatic standpoint of our culture, such an attitude is very bad for business. It might lead to improvidence, lack of foresight, diminished sales of insurance policies, and abandoned savings accounts. Yet this is just the corrective that our culture needs. No one is more fatuously impractical than the "successful" executive who spends his whole life absorbed in frantic paperwork with the objective of retiring in comfort at sixty-five, when it will be all too late.

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

In the fight against an opponent operating quickly and using the most unexpected counterattacks in a variety of ways, there is only one type of belaying - cover the chin without interruption. The most commonly used insurance method is the following: the palm of the right hand, ready to accept a possible opponent's blow, should be kept by the chin. When learning blows, defending the chin with the hand of a free hand is considered a valid condition. In the initial period of training it is necessary to observe that young boxers attacking are protected from unexpected opponents' countermeasures. It is important, however, to protect yourself against loss of balance in the case of misses, which use a lot of energy and put the boxer in a difficult positional situation against the opponent. Therefore, the boxer, even quickly and energetically carrying out his attacks, should skillfully calculate the strength of his blows to always keep his balance. Victory in combat is achieved primarily thanks to the activity and fast pace of battle; and yet misses interfere with the continuity of the boxer's actions. The most important condition for a properly planned fight in terms of tactics - is the ability to act unexpectedly. The fight, in which the lack of combat cunning, can not bring success, because the opponent, knowing the combat capabilities and means of the boxer, easily opposes their actions. The ability to keep your opponent in the unconscious as well as the ability to attack unexpectedly gives a great advantage in combat. If a boxer skilfully conceals his intentions, the opponent can not guess his individual actions, or understand the general plan of the fight, nor did he know anything about his combat situation correctly.

Critics of capitalism often decry the “greed” that animates successful entrepreneurs. The real problem, however, is not the amount of money made by people at the top; it is the systematic suppression of people at the bottom. The real-life equivalent of the Monopoly player who has to mortgage all his money-making assets to pay his debts is the hand-to-mouth day laborer who, unable to pay his car insurance, loses his car and, unable to drive to his job, is unable to pay his rent. The villain here is not necessarily the avarice of the banker who loaned this poor fellow his money in the first place. It is the unstable dynamic of a system that mercilessly drives some people down to the bottom through a succession of cascading misfortunes. To experience the board game version of this kind of misery vortex in Monopoly is to appreciate the advantages of the welfare state, which, when it is functioning properly, does not just take money from rich people and give it to poor people. It also softens the iterative feedback dynamics within the system so as to ensure that minor nudges—a lost job, a criminal conviction, a divorce, a medical setback—do not create feedback effects that ultimately produce a full-blown personal catastrophe. Job training, public health care, a humane justice system, community housing and support for single mothers are examples of programs that can achieve that effect.

The Legal system can intimidate and overwhelm anyone, but we're here to help you find the answers and create the solutions you need. Based in Clones, Co. Monaghan I advise clients both locally and nationally on over a broad spectrum of legal disciplines including Civil and Criminal Litigation, Employment Law, Family Law, Probate and Succession Law, Conveyancing, and Insurance Indemnity matters.

Arbor Cultural Ltd helps you manage your trees in a way that is more sustainable, beneficial and environmentally conscious. We carry out tree surveys and produce tree reports for a variety of needs, such as health and safety, mortgage and insurance purposes, enabling customers to achieve planning surveys and successful house purchases, as well as addressing duty of care and legal requirements. We also undertake Arboricultural Impact Assessments for planning and development as well as decay detection testing to give you certainty about the condition of your trees.

* Character is the ground of your life * Behaviour is the way of your life * Patience is the safety of your life * Tolerance is the success of your life * Love is Insurance of that all * It depends on how you manage that

Character is the ground of your life Behaviour is the way of your life Patience is the safety of your life Tolerance is the success of your life Love is Insurance of that all It depends on how you manage that

Finding a person to declare your craziest, most profound insecurities to is not exactly a picnic. But the bureaucratic idiocy of America’s healthcare system turns what should be a chore into torture. If you’re a middle-class person in America, the dance goes like this: You call your insurance provider to find a meager list of therapists who take your insurance. Most of the people on the list are licensed clinical social workers or licensed mental health counselors. They can be wonderful and very helpful, but they often have less schooling and experience than, say, psychologists and PhDs. After digging deeper, you find that some of these therapists don’t take your insurance after all; others have full client lists. And even if they do have space in the day to treat someone, they might not be interested in treating you. According to one study, a low-income Black person had up to an 80 percent lower chance of receiving a callback for an appointment than a middle-class white person. And even though intellectually, therapists tell you that anger can be a helpful and legitimate emotion in processing trauma, God forbid you actually seem angry on the phone. Several mental health professionals have told me that therapists often avoid rageful clients because they seem threatening or scary. Therapists instead prefer to take on YAVIS—Young, Attractive, Verbal, Intelligent, and Successful clients. They love an amenable type, someone who is curious about their internal workings and eager to plumb them, someone who’s already read articles in The New Yorker about psychology to familiarize them with the language of metacognition and congruence. Good luck if you’re a regular-ass Joe who’d rather watch It’s Always Sunny in Philadelphia. But say you get lucky and find a licensed clinical psychologist with an open slot. The psychologist is white, of course (86 percent of psychologists in the United States are), which isn’t ideal if you are a person of color. But, fine, whatever: You just need to receive an official diagnosis for your insurance. You are certain you have complex PTSD, but he can’t diagnose you with that because it’s not in the Diagnostic and Statistical Manual of Mental Disorders. Your insurance only covers treatment for conditions listed in the DSM in order to assign a number of sessions to you. Most forms of insurance will pay for, say, only six months of therapy relating to anxiety, ten for depression, as if you should be better by then. Another consequence of C-PTSD not being in the DSM: This psychologist hasn’t been trained in treating it. He says he doesn’t believe that it’s a real diagnosis. He’d like to provide you with some questionnaires to see if you have something he can actually handle—bipolar disorder, maybe, or manic depression. This does not inspire confidence, so you leave. After some internet sleuthing, you find a woman of color who seems really cool. She’s specifically trained in the treatment of complex trauma. She has blurbs on her website that resonate with you—it seems as if she might truly understand you. But she doesn’t take insurance. (Psychologists are the least likely of any medical provider to take insurance—only about 45 percent of them do. And most of the time, the ones who don’t are the most qualified practitioners.) You can’t exactly blame her. You learn on the internet that insurance companies haven’t updated reimbursement rates for therapists in up to twenty years, despite rising rates for office rent and other administrative costs. If therapists were to rely on reimbursement rates from insurance alone, they’d wind up making about $50,000 a year on average, which is fine, but like, not great if you’re an actual doctor.

When I was in the insurance industry, we used the phrase “get out and press the flesh” often. We knew that no matter how many flyers we mailed or advertisements we placed, the best way to sell was to get out and meet people in person.

Joshua Goeschel is a successful insurance attorney who currently works as a Claims Counsel for Safe Auto Insurance Company. Before this, he built his experience at several other notable insurance law firms in Colorado. His main interests outside of work are in the outdoors, and he spends his time hiking, skiing and fly-fishing in the mountains and parks of Colorado.

In a Car Crash Just Relax! If you are involved in a car crash you should use the services of MVAA. They will take care of all the necessary formalities for you and even provide you with a replacement car. Yes, that's true. The accident management solutions offered by them include Taking care of insurance claims Finding a replacement car for the time being Getting your damaged car fixed Located in Melbourne with over 12 years of experience, an expert team of legal staff and access to a skilled force of technicians they can have you back on the road in no time. They have more than 30000 settled claims with a success rate of over 98 percent to their name, you can have free estimates just call them or go online discuss your situation with them and get a quote from them , then just relax ! They are a one stop shop for multiple jobs, and you do not have to do any paperwork they will take care of everything for you. The claims, consultation and compensation process is done at a no win no fee cost. Their specialist legal experts will guide you at each step and ensure that your rights are respected and you do not have to suffer any post-accident hassle, at an astonishing pace. They will find a replacement vehicle for you that will try to match the life style you were enjoying with your own car that you crashed so that the change in your daily life is minimal even if temporary. Auto insurance claims are also settled here and we know the bureaucracy of paperwork associated with that but you do have to go through that, it will be taken care of by them. Last but not the least “Panel Beating”, you do not want to part with your old car, it always has a significant emotional value for you. MVAA has a pool of 5 star rated body shops lined up to have your vehicle fixed in no time they will have it up and running back in your hands. These body shops employ outstanding and professional workmanship. You will have your car back in your hands as good as new in no time. They are a multiple services one provider service, you should look no further, if you are in a car collision and it’s not your fault they should be the one you call with all the details and they will guide you with the due process to follow and you can go back to your regular life activities that you have to take care of, and they are conveniently located in one the largest Australian cities of Melbourne. Call them 1300 682 200 or visit their website for all your needs today!

I'm in the business of helping families understand money, 401(k)’s, Annuities, and Life Insurance.

The Atlantic puts it best: “It’s boring to point out that having more money affords you more food, more clothes, more housing, and more cars. But the richest families actually spend less on food, clothes, housing, and cars than the poorest families as a share of their income. The real difference between the rich and the poor is that the rich spend a larger share of their much larger income on insurance, education, and when you drill into the housing component, mortgages – all of which are directly related to building wealth, preserving wealth, and passing it down in the form of inheritance of direct investments in the lives of their children.

When Julius Cæsar sailed over the channel from Gaul and landed with his legions on what is now England, what did he do to insure the success of his arms? A very clever thing: he halted his soldiers on the chalk cliffs of Dover, and, looking down over the waves two hundred feet below, they saw red tongues of fire consume every ship in which they had crossed. In the enemy’s country, with the last link with the Continent gone, the last means of retreating burned, there was but one thing left for them to do: to advance, to conquer. That is precisely what they did.

Sometimes one’s own success wasn’t enough. Sometimes the failure of someone closer to you was better insurance.

Farweather was the one who made an extreme sport of plunging through space under her own impulse, sliding about shipless in the void-and practice counts. I wished I believed in the convenient entertainment myth that just really wanting it more than the other guy was enough to insure success.

Why do the best of us go to waste while the worst of us flourish? Maybe I had found a clue. I could think of one reason why people as potentially rich in life as Alice and Scott seemed far less well and be apparently less successful than Martin and Anna. Those who love life take risks, those who don't take insurance. But that was all right, I decided. Life repays its lovers by letting them spend themselves on it. Those who fail to love it, it cunningly allows very carefully to accrue their own hoarded emptiness. In living, you won by losing big, you lost by winning small.

This is true even for something as mundane as insurance sales. A recent study examined knowledge about multiline insurance (life, home, auto, and commercial) in 150 agents. Not surprisingly, the highly successful agents—as determined by their sales volumes—knew more about the various insurance products than the less successful agents.

As obesity rates climbed, medical equipment companies devised new operations using new products to help combat the condition, and bariatric surgery was a boom field. Companies, hospitals, and doctors’ groups lobbied successfully to have insurers pay for it all. Being overweight was rebranded as a disease.

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

Honor is where I unashamedly declare that every success is the work of my God, where flattery is pretending that every success is the work of my hands. And while pursing honor will insure the death of flattery, pursuing flattery will insure the death of everything.

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

But American capitalism was not ideologically rigid. It was never the laissez-faire laboratory of purist, principled imaginations. The strength of the system came through its pragmatism and flexibility, juggling competing and contradictory ideas, just as Carnegie did personally, and eventually finding political solutions to seemingly intractable issues, especially after the scars of the Civil War. Just as successful species adapted to changes in their environment, democracy would shape capitalism to adapt to social conditions, with compromise emerging as the best form of insurance against any risk of revolution. This middle ground, forged by the clashing interactions of capitalism and democracy, a free people acting to check free markets, would give rise to the regulatory framework that would govern its economic system.

The Americans had urged us to finish the Mavi Marmara affair. We had already reached a compensation agreement with Turkey for the families of the Turks killed in the operation. What was needed now was a carefully worded script for a concluding conversation between Erdogan and me. As extra insurance against a future abandonment of the agreement by Erdogan, I asked Obama to be in on the phone conference. He did so from a special mobile cabin at the airport. “Recep, how are you, my friend?” the president said to Erdogan. “How’s the wife, how’s the family?” The genuine camaraderie in his voice tallied with what I had heard: One of Obama’s closest friends among foreign leaders was the Turkish president, possibly because in Obama’s eyes Turkey was an example of a modern, successful and democratic Islamic state. Presumably this friendship later weakened when, following an attempted coup against him on July 15, 2016, Erdogan transformed Turkey into a rigidly authoritarian regime, locked up all his political opponents, and threw more journalists in jail than almost any other ruler on earth. Erdogan and I each read our lines. I thanked Obama. The Marmara affair was finally settled.

Overall, the success of a Treasury auction depends on investor demand. Institutional investors such as insurance companies, foreign central banks, hedge funds, money funds, states, municipalities, Savings and Loans, credit unions, pension funds, and small local banks are all major participants. Depending on who buys a certain Treasury determines how much supply is available in the Repo market. For example, if a large amount of the auction is purchased by securities dealers and hedge funds, there’s plenty of supply around the Repo market. Dealers and hedge funds are leveraged players who loan their securities into the Repo market to finance their purchases. That keeps those securities readily available in the market. If, on the other hand, a large amount is purchased by end-user portfolios, such as investors who are more retail and less sophisticated, then there’s less supply available in the Repo market.

On February 12, 1912, the Empress Regent abdicated on behalf of the dynasty. China was now a Republic. As such she was welcomed by Joint Resolution of the United States Congress: “Whereas the Chinese Nation has successfully asserted that sovereignty resides in the people” and whereas the American people are “inherently and by tradition sympathetic to all efforts to adopt representative government,” therefore the United States “congratulates the people of China on their assumption of the powers, duties and responsibilities of self-government” in the hope that under a republican form of government “…the happiness of the Chinese people will be secure and the progress of the country insured.” It was not to be that simple. Yuan Shih-kai remained in control of north China, which he withheld from accession to the Republican regime. He maneuvered and waited. Lacking united support or firm authority or a reliable military arm, Sun Yat-sen could not prevail. More negotiations ensued with unavoidable result. On March 12, 1912, Dr. Sun retired as President in favor of Yuan Shih-kai, who reestablished the Government at Peking. In this unstable mongrel resolution China’s modern age began.

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