Insure Daily Quotes

And knowing what happens on average is a good place to start. By so doing, we insulate ourselves from the tendency to build our thinking - our daily decisions, our laws, our governance - on exceptions and anomalies rather than on reality.

In a complex world where people can be atypical in an infinite number of ways, there is great value in discovering the baseline. And knowing what happens on average is a good place to start. By so doing, we insulate ourselves from the tendency to build our thinking - our daily decisions, our laws, our governance - on exceptions and anomalies rather than on reality.

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

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

I’m told by the technicians to maintain an average amount of walking on a daily basis. Don’t go overboard, but don’t be lazy, either. Stay in the middle. The insurance company could pull my data and decide whether I have used my leg enough to justify the next one.

The brilliant rationalist had encountered a central, frustrating tenet of human nature: behavior change is hard. The cleverest engineer or economist or politician or parent may come up with a cheap, simple solution to a problem, but if it requires people to change their behavior, it may not work. Every day, billions of people around the world engage in behaviors they know are bad for them—smoking cigarettes, gambling excessively, riding a motorcycle without a helmet. Why? Because they want to! They derive pleasure from it, or a thrill, or just a break from the daily humdrum. And getting them to change their behavior, even with a fiercely rational argument, isn’t easy.

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

To my thinking the greatest advance in recorded medical history is the thirty-minute walk before breakfast. Premiums for life insurance are usually paid for the benefit of someone else. If you want any life insurance for yourself you had better pay the daily premium of a thirty-minute walk.

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

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.

[Stice's] parents had met and fallen in love in a Country/Western bar in Partridge KS — just outside Liberal KS on the Oklahoma border — met and fallen in star-crossed love in a bar playing this popular Kansas C/W-bar-game where they put their bare forearms together and laid a lit cigarette in the little valley between the two forearms' flesh and kept it there till one of them finally jerked their arm away and reeled away holding their arm. Mr. and Mrs. Stice each discovered somebody else that wouldn't jerk away and reel away, Stice explained. Their forearms were still to this day covered with little white slugs of burn-scar. They'd toppled like pines for each other from the git-go, Stice explained. They'd been divorced and remarried four or five times, depending on how you defined certain jurisprudential precepts. When they were on good domestic terms they stayed in their bedroom for days of squeaking springs with the door locked except for brief sallies out for Beefeater gin and Chinese take-out in little white cardboard pails with wire handles, with the Stice children wandering ghostlike through the clapboard house in sagging diapers or woolen underwear subsisting on potato chips out of econobags bigger than most of them were, the Stice kids. The kids did somewhat physically better during periods of nuptial strife, when a stony-faced Mr. Stice slammed the kitchen door and went off daily to sell crop insurance while Mrs. Stice —whom both Mr. Stice and The Darkness called 'The Bride' —while The Bride spent all day and evening cooking intricate multicourse meals she'd feed bits of to The Brood (Stice refers to both himself and his six siblings as 'The Brood') and then keep warm in quietly rattling-lidded pots and then hurl at the kitchen walls when Mr. Stice came home smelling of gin and of cigarette-brands and toilet-eau not The Bride's own. Ortho Stice loves his folks to distraction, but not blindly, and every holiday home to Partridge KS he memorizes highlights of their connubial battles so he can regale the E.T.A. upperclass-men with them, mostly at meals, after the initial forkwork and gasping have died down and people have returned to sufficient levels of blood-sugar and awareness of their surroundings to be regaled.

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

With this warning, Mussolini demanded and was given authority to do just about whatever he wanted; but his initial priority, surprisingly, was good government. He knew that citizens were fed up with a bureaucracy that seemed to grow bigger and less efficient each year, so he insisted on daily roll calls in ministry offices and berated employees for arriving late to work or taking long lunches. He initiated a campaign to drenare la palude (“drain the swamp”) by firing more than 35,000 civil servants. He repurposed Fascist gangs to safeguard rail cargo from thieves. He allocated money to build bridges, roads, telephone exchanges, and giant aqueducts that brought water to arid regions. He gave Italy an eight-hour workday, codified insurance benefits for the elderly and disabled, funded prenatal health care clinics, established seventeen hundred summer camps for children, and dealt the Mafia a blow by suspending the jury system and short-circuiting due process. With no jury members to threaten and judges answerable directly to the state, the courts were as incorruptible as they were docile. Contrary to legend, the dictator didn’t quite succeed in making the trains run on time, but he earned bravos for trying.

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

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

Cade stood midfield, waiting for Zach to take his place at the line of scrimmage. “When’s the last time you threw a football?” Zach asked worriedly. Aside from the few times Cade had tossed one around casually with friends, a long time. “About twelve years.” Zach threw him a panicked look. “I won’t push it,” Cade said. It wasn’t as if his shoulder was entirely unusable; in fact, on a daily basis it didn’t bother him at all. His rotator cuff simply couldn’t withstand the repetitive stress of competitive football. “I just want to see what I can do.” He pointed emphatically. “And if the answer is ‘not much,’ you better not tell a soul. I’ve got a reputation to uphold here.” Zach smiled, loosening up. “All right. I don’t want to stand in the way of you reliving your glory days or whatever.” “Good. But in case this all goes south, my car keys are in the outside pocket of my duffle bag. When you drive me to the emergency room, if I’m too busy mumbling incoherently from the pain, just tell them I’ve got Blue Cross Blue Shield insurance.” Zach’s eyes went wide. “I’m kidding, Zach. Now get moving.

If there are costs to becoming legal, there are also bound to be costs to remaining outside the law. We found that operating outside the world of legal work and business was surprisingly expensive. In Peru, for example, the cost of operating a business extralegally includes paying 10 to 15 per cent of its annual income in bribes and commissions to authorities. Add to such payoffs the costs of avoiding penalties, making transfers outside legal channels and operating from dispersed locations and without credit, and the life of the extralegal entrepreneur turns out to be far more costly and full of daily hassles than that of the legal businessman. Perhaps the most significant cost was caused by the absence of institutions that create incentives for people to seize economic and social opportunities to specialize within the market place. We found that people who could not operate within the law also could not hold property efficiently or enforce contracts through the courts; nor could they reduce uncertainty through limited liability systems and insurance policies, or create stock companies to attract additional capital and share risk. Being unable to raise money for investment, they could not achieve economies of scale or protect their innovations through royalties and patents.

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?

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

If you are stuck in circumstances in which it takes Herculean efforts to get through the day— doing low-income work, obeying an authoritarian boss, buying clothes for the children, dealing with school issues, paying the rent or mortgage, fixing the car, negotiating with a spouse, paying taxes, and caring for older parents— it is not easy to pay close attention to larger political issues. Indeed you may wish that these issues would take care of themselves. It is not a huge jump from such a wish to become attracted to a public philosophy, spouted regularly at your job and on the media, that economic life would regulate itself automatically if only the state did not repeatedly intervene in it in clumsy ways. Now underfunded practices such as the license bureau, state welfare, public health insurance, public schools, public retirement plans, and the like begin to appear as awkward, bureaucratic organizations that could be replaced or eliminated if only the rational market were allowed to take care of things impersonally and quietly, as it were. Certainly such bureaucracies are indeed often clumsy. But more people are now attracted to compare that clumsiness to the myth of how an impersonal market would perform if it took on even more assignments and if state regulation of it were reduced even further. So a lot of “independents” and “moderates” may become predisposed to the myth of the rational market in part because the pressures of daily life encourage them to seek comfort in ideological formations that promise automatic rationality.

As friends or family members and caregivers, we can help a great deal by listening and empathizing with women who are in the thick of it. We can bring them small gifts...and make sure they are invited to get-togethers even if it is unlikely they will make it. When women are homebound caretakers, a daily phone call can be a lifesaver. We can acknowledge both the efforts other women are making and validate the importance of those efforts. ...She cannot help feeling used and bitter. Ardith told me, "I received awards for my art, but nothing for Mom Duty." "I'm buying you a trophy and a dozen roses." I said. Ardith laughed and said, "Just buy me the roses. Yellow please." I brought the roses but, at the same time, I know that Ardith's and all other caregiver' primary validation must be internal. When we do something arduous such as deal with an insurance company all day, we must give ourselves credit for our skill and persistence. At the end of a difficult afternoon, we need to remind ourselves that we perform honorable labor and that there will be better days.

First, A ship of the finest make and model available shall be furnished to carry the constructors home. 2nd, The said ship shall be laden with various cargo as here specified: diamonds—four bushels, gold coin—forty bushels, platinum, palladium, and whatever other ready valuables they happen to think of—eight bushels of each, also whatever mementos and tokens from the Royal Apartments the signatories of this instrument may deem appropriate. 3rd, Until such time as the said ship shall be in readiness for takeoff, every nut and bolt in place, fully loaded and delivered up to the constructors complete with red carpet, an eighty-piece send-off band and children's chorus, an abundance of honors, decorations and awards, and a wildly cheering crowd—until then, no King. 4th, That a formal expression of undying gratitude shall be stamped upon a gold medallion and addressed to Their Most Sublime and Radiant Constructors Trurl and Klapaucius, Delight and Terror of the Universe, and moreover it shall contain a full account of their victory and be duly signed and notarized by every high and low official in the land, then set in the richly embellished barrel of the King's favorite cannon, which Lord Protozor, Master of the Royal Hunt, shall himself and wholly unaided carry on board—no other Protozor but the one who lured Their Most Sublime and Radiant Constructors to this planet thinking to work their painful and ignominious death thereby. 5th, That the aforesaid Protozor shall accompany them on their return journey as insurance against any sort of double-dealing, pursuit, and the like. On board he shall occupy a cage three by three by four feet and shall receive a a daily allowance of humble pie with a filling made of that very same sawdust which Their Most Sublime and Radiant Constructors saw fit to order in the process of indulging the King's foolishness and which was subsequently taken to police headquarters by unmarked balloon. 6th and lastly, The King need not crave forgiveness of Their Most Sublime and Radiant Constructors on bended knee, since he is much too beneath them to deserve notice.

Black people don’t just face death at the barrel of a policeman’s gun or within our medical system. Life is taken from us on a daily basis, through housing discrimination; through the inability to get or maintain a job that allows us to pay rent, have health insurance, and buy food; and through under-compensation.

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!

Quick Gmail Trick Noah and I both use the Gmail “+” trick all the time. Let’s say your email address is bob@bobsmith.com. After signing up for services or newsletters, how can you tell who’s sharing your email, or contain the damage if someone discovers your login email? Companies get hacked all the time. Just use + as cheap insurance. If you append + and a word to the beginning, messages will still get delivered to your inbox. Signing up for Instacart, for instance? You could use bob+insta@bobsmith.com. I use this, or benefit from it, on a daily basis.

Rapid Health Rehabilitation is a team of professional kinesiologists that provide customized training & exercise programs to support anyone who has been part of a motor vehicle accident to get back to their daily routines with as few disruptions as possible. Our kinesiologists love sharing their expertise to empower people to return to their daily routines with as few disruptions as possible. We work directly with ICBC insured individuals so they can focus on their rehabilitation goals.

Bryce’s daily armor consisted solely of this: an Archesian amulet barely the size of her thumbnail, gifted by Jesiba on the first day of work. A hazmat suit in a necklace, Danika had marveled when Bryce had shown off the amulet’s considerable protections against the influence of various magical objects. Archesian amulets didn’t come cheap, but Bryce didn’t bother to delude herself into thinking her boss’s gift was given out of anything but self-interest. It would have been an insurance nightmare if Bryce didn’t have one.

Consider the case of SeaTac, a suburb of Seattle that increased its minimum wage for certain service industry employees to fifteen dollars per hour starting January 1, 2014. The Seattle Times reported in February 2014: “At the Clarion Hotel off International Boulevard, a sit-down restaurant has been shuttered, though it might be replaced by a less-labor-intensive café. . . . Other businesses have adjusted in ways that run the gamut from putting more work in the hands of managers, to instituting a small ‘living-wage surcharge’ for a daily parking space near the airport.” Some businesses in SeaTac have cut benefits to their employees. When asked whether they appreciated the increase in the minimum wage, a hotel employee replied, “I lost my 401k, health insurance, paid holiday and vacation.” The hotel reportedly offered meals to its employees. Now the employees must bring their own food. The hotel has also cut overtime and the opportunity to earn overtime pay. A part-time waitress stated, “I’ve got $15 an hour, but all my tips are now much less.”41

There is no simple way to determine when and where to get help. Many factors come into play, including the child’s age, family’s financial status, insurance, knowledge of resources, religious affiliation, availability of services in community, and so on. Parents may seek outside assistance for their adopted child when other factors such as a divorce, job loss, or other stresses compound the family needs. Parents are generally in the best position to determine when to get help, but advice from relatives, family physicians, teachers, and others in a position to know the family should be carefully considered. Services for children with special needs are provided by a variety of professionals. A physician—pediatrician or the family practitioner—is usually the place to begin. Families may be referred to a neurologist for a thorough assessment and diagnosis of neurological functioning (related to cognitive or learning disabilities, seizure disorders or other central nervous system problems). For specific communication difficulties, families may consult with a speech and language therapist, while a physical therapist would develop a treatment plan to enhance motor development. A rehabilitation technologist or an occupational therapist prescribes adaptive aids or activities of daily living. Early childhood educators specializing in working with children with special needs may be called a variety of titles, including Head Start teachers, early childhood special education teacher, or early childhood specialist.

ALEC is a reason states have cut taxes on income and on corporations; reduced unemployment insurance; shored up private property rights; instituted medical savings accounts; reformed public pension plans; cracked down on trial lawyers; and enacted sunshine laws. Few Americans have heard of ALEC. But there’s a case to be made that no one policy organization has touched the daily lives of more Americans.

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.

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.'°

Growing up, there were two small letters that sent chills down my spine: PE. Physical Education class was the bane of my awkward, prepubescent existence. The moment I walked into the musky locker room to change, my heart would start to pound. As I surreptitiously tried to change without flashing an inch of skin (sometimes even wearing a second bra as insurance) I would desperately search for any excuse to escape the daily drills and dodgeball games. Paper cut? Haircut? Apocalypse? I tried them all. Looking back, I realize I liked playing outside. What I really dreaded was the moment my coach said, “Line up, let’s pick teams!” Inevitably, the two jockiest kids were assigned as team captains, and then I spent an agonizing few minutes watching them go through my entire class before picking me or my fellow nonathletically inclined buddy, Smelly Matthew. Then one day, my elementary school social life changed. Our coach decided to allow the new girl to be team captain. She had just transferred from a nearby school and didn’t know anyone. In one of the greatest moments in PE history, she picked me first! I was so excited that I ran over to her and then held her hand while she picked the rest of our team. I think we lost in soccer that day, but I was on top of the world. After the game I asked her why she picked me. And then she said one of the greatest things anyone has ever said to me, “I wanted to get to know you.

The Italians, who have been “guest workers” at many times and in many countries, are thrown by the phenomenon happening in their own country. During this second summer at Bramasole, the newspapers are tolerant to indignant about Albanians literally washing up on the shores of southern Italy. Living in San Francisco, a city where immigrants arrive daily, we cannot get excited about their problem. Americans in cities have realized that migrations are on the increase; that the whole demographic tapestry is being rewoven on a vast scale in the late twentieth century. Europe is having a harder time coming to grips with this fact. We have our own poor, they tell us incredulously. Yes, we say, we do, too. Italy is amazingly homogeneous; it is rare to see a black or Asian face in Tuscany. Recently, Eastern Europeans, finding the German work force at last full of people like themselves, began arriving in this prosperous part of northern Italy. Now we understood Alfiero’s estimate for the work. Instead of paying the normal Italian twenty-five thousand to thirty thousand lire per hour, he is able to pay nine thousand. He assures us they are legal workers and are covered by his insurance. The Poles are pleased with the hourly wage; at home, before the factory went kaput, they barely earned that much in a day.

Google was a company that’d made more money off advertisements than any other company in the history of the world, but it had been founded by people who were embarrassed by a business model dependent upon advertising lawn chairs, car insurance, and Viagra. To deflect the embarrassment, the company cloaked itself in an aura of innovation and some old bullshit about the expansion of human knowledge. Google maintained this façade by providing web and mobile services to the masses. The most beloved of these services was the near daily alteration of the company’s logo as it appeared on the company’s website. Almost every day, the Google logo transformed into cutesy, diminutive cartoons of people who’d done something with their lives other than sell advertisements. These cartoons were called Google Doodles. They encompassed the whole spectrum of achievement, with a special focus on scientific achievement and the lives of minorities. In its own way, this was a perfect distillation of politics in the San Francisco Bay Area. Whenever they appeared, the Google Doodles were beloved and celebrated in meaningless little articles on meaningless little websites. They were not met with the obvious emotion, which would be total fucking outrage at a massive multinational corporation co-opting a wide range of human experience into an advertisement for that very same corporation. Here was the perversity of Twenty-First-Century AD life: Native-American women had a statistically better chance of being caricatured in a Google Doodle than they did of being hired into a leadership position at Google. And no one cared. People were delighted! They were being honored! By a corporation!

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Well, folks, you can see that those superscrapers came through the storm just fine. It’s too bad they’re mostly empty right now. I mean they’re residential towers supposedly, but they were always too expensive for ordinary people to afford. They’re like big granaries for holding money, basically. You have to imagine them all stuffed to the top with dollar bills. The richest people from all over the world own the apartments in those towers. They’re an investment, or maybe a tax write-off. Diversify into real estate, as they say. While also having a place to visit whenever you happen to want to visit New York. A vacation place they might use for only a week or two every year. Depends what they like. They usually own about a dozen of these places around the world. Spread their holdings around. So really these towers are just assets. They’re money. They’re like big tall purple gold bars. They’re everything except housing.... Now, here below us is Central Park. It’s a refugee camp now, you can see that. It’s likely to be that for weeks and months to come. Maybe a year. People will be sleeping in the park. Lots of tents already, as you see.... So you know what? I’m sick of the rich. I just am. I’m sick of them running this whole planet for themselves. They’re wrecking it! So I think we should take it back, and take care of it. And take care of each other as part of that. No more table scraps. You know that Householders’ Union that I was telling you about? I think it’s time for everyone to join that union, and for that union to go on strike. An everybody strike. I think there should be an everybody strike. Now. Today.... What I mean by a householders’strike is you just stop paying your rents and mortgages ... maybe also your student loans and insurance payments. Any private debt you’ve taken on just to make you and your family safe. The daily necessities of existence. The union is declaring all those to be odious debts, like some kind of blackmail on us, and we’re demanding they be renegotiated ... So, we stop paying and call that the Jubilee? ... That’s an old name for this kind of thing. After we start this Jubilee, until there’s a restructuring that forgives a lot of our debt, we aren’t paying anything. You might think that not paying your mortgage would get you in trouble, and it’s true that if it was just you, that might happen. But when everyone does it, that makes it a strike. Civil disobedience. A revolution. So everyone needs to join in. Won’t be that hard. Just don’t pay your bills! ... What will happen then is that the absence of those payments of ours will cause the banks to crash fast. They take our payments and use them as collateral to borrow tons more, to fund their own gambling, and they are way, way, way overextended. Overleveraged.... At that point they will be asking the government to bail them out. That’s us. We’re the government. At least in theory, but yeah. We are. So we can decide what to do then. We will have to tell our government what to do at that point. If our government tries to back the banks instead of us, then we elect a different government. We pretend that democracy is real, and that will make it real. We elect a government of the people, by the people, and for the people. That was the whole idea in the first place. As they used to tell us in school. And it’s a good idea, if we could make it real. It might never have been real, up till now. But now’s the time. Now’s the time, people!

Well, folks, you can see that those superscrapers came through the storm just fine. It’s too bad they’re mostly empty right now. I mean they’re residential towers supposedly, but they were always too expensive for ordinary people to afford. They’re like big granaries for holding money, basically. You have to imagine them all stuffed to the top with dollar bills. The richest people from all over the world own the apartments in those towers. They’re an investment, or maybe a tax write-off. Diversify into real estate, as they say. While also having a place to visit whenever you happen to want to visit New York. A vacation place they might use for only a week or two every year. Depends what they like. They usually own about a dozen of these places around the world. Spread their holdings around. So really these towers are just assets. They’re money. They’re like big tall purple gold bars. They’re everything except housing.... Now, here below us is Central Park. It’s a refugee camp now, you can see that. It’s likely to be that for weeks and months to come. Maybe a year. People will be sleeping in the park. Lots of tents already, as you see.... So you know what? I’m sick of the rich. I just am. I’m sick of them running this whole planet for themselves. They’re wrecking it! So I think we should take it back, and take care of it. And take care of each other as part of that. No more table scraps. You know that Householders’ Union that I was telling you about? I think it’s time for everyone to join that union, and for that union to go on strike. An everybody strike. I think there should be an everybody strike. Now. Today.... What I mean by a householders’strike is you just stop paying your rents and mortgages ... maybe also your student loans and insurance payments. Any private debt you’ve taken on just to make you and your family safe. The daily necessities of existence. The union is declaring all those to be odious debts, like some kind of blackmail on us, and we’re demanding they be renegotiated ... So, we stop paying and call that the Jubilee? ... That’s an old name for this kind of thing. After we start this Jubilee, until there’s a restructuring that forgives a lot of our debt, we aren’t paying anything. You might think that not paying your mortgage would get you in trouble, and it’s true that if it was just you, that might happen. But when everyone does it, that makes it a strike. Civil disobedience. A revolution. So everyone needs to join in. Won’t be that hard. Just don’t pay your bills! ... What will happen then is that the absence of those payments of ours will cause the banks to crash fast. They take our payments and use them as collateral to borrow tons more, to fund their own gambling, and they are way, way, way overextended. Overleveraged.... At that point they will be asking the government to bail them out. That’s us. We’re the government. At least in theory, but yeah. We are. So we can decide what to do then. We will have to tell our government what to do at that point. If our government tries to back the banks instead of us, then we elect a different government. We pretend that democracy is real, and that will make it real. We elect a government of the people, by the people, and for the people. That was the whole idea in the first place. As they used to tell us in school. And it’s a good idea, if we could make it real. It might never have been real, up till now. But now’s the time. Now’s the time, people!

Books are both our luxuries and our daily bread. They have become to our lives and happiness prime necessities. They are our trusted favourites, our guardians, our confidential advisers, and the safe consumers of our leisure. They cheer us in poverty, and comfort us in the misery of affluence. They absorb the effervescence of impetuous youth, and while away the tedium of age. You may not teach ignorance to a youth who carries a favourite book in his pocket; and to a man who masters his appetites a good book is a talisman which insures him against the dangers of overspeed, idleness, and shallowness.

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.

I think it’s interesting to note that courses in business ethics are taught in the best graduate schools of business, which I see as mainstream acceptance of the principle that practicing good ethics is good business. As employers, we are still pretty much on our own as we continue to face daily challenges to our conscience, our integrity, our honesty, and our sense of fair play. Will we provide health insurance to employees, even if the law doesn’t require it? How “creative” will we be in our accounting? Will we carry employees through hard times, or leave them to fend for themselves? As employees, we will still need to find meaning and take pride in our work. Will we serve customers poorly or well? Will we create goods and services with care or carelessly? Will we make our daily labor the expression of the best that is in us, or the worst?

Stop believing that marriage is the solution to loneliness. It is easier to jettison this idea if you’ve been half of a failed couple and can remember the pain of daily alienation. Seeking escape from loneliness is a dangerous reason to be coupled. It’s best to solve the loneliness issue on your own as insurance against dragging it into a future relationship. Create an environment of social and self-support that can protect you from forming inappropriate relationships based solely on need.

Rising sea levels, for instance, “aren’t being driven primarily by glaciers melting,” Wood says, no matter how useful that image may be for environmental activists. The truth is far less sexy. “It is driven mostly by water-warming—literally, the thermal expansion of ocean water as it warms up.” Sea levels are rising, Wood says—and have been for roughly twelve thousand years, since the end of the last ice age. The oceans are about 425 feet higher today, but the bulk of that rise occurred in the first thousand years. In the past century, the seas have risen less than eight inches. As to the future: rather than the catastrophic thirty-foot rise some people have predicted over the next century—good-bye, Florida!—Wood notes that the most authoritative literature on the subject suggests a rise of about one and a half feet by 2100. That’s much less than the twice-daily tidal variation in most coastal locations. “So it’s a little bit difficult,” he says, “to understand what the purported crisis is about.

Keep the faculty of effort alive in you by a little gratuitous exercise every day. That is, be systematically heroic in little unnecessary points, do every day or two something for no other reason than its difficulty, so that, when the hour of dire need draws nigh, it may find you not unnerved and untrained to stand the test. Asceticism of this sort is like the insurance which a man pays on his house and goods. The tax does him no good at the time, and possibly may never bring him a return. But, if the fire does come, his having paid it will be his salvation from ruin. So with the man who has daily inured himself to habits of concentrated attention, energetic volition, and self-denial in unnecessary things. He will stand like a tower when everything rocks around him, and his softer fellow-mortals are winnowed like chaff in the blast. We are spinning our own fates, good or evil, and never to be undone. Every smallest stroke of virtue or of vice leaves its never-so-little scar. The drunken Rip Van Winkle, in Jefferson's play, excuses himself for every fresh dereliction by saying, "I won't count this time!" Well, he may not count it, and a kind Heaven may not count it; but it is being counted none the less. Down among his nerve-cells and fibres the molecules are counting it, registering and storing it up to be used against him when the next temptation comes.

Oil and gasoline use is diffuse, scattered in the global crowd. The world has 1.3 billion vehicles and perhaps 1.5 billion households. Cutting emissions from these cars and homes means changing the daily lives of billions of people, a mind-boggling thought. Reducing global coal emissions, by contrast, means dealing with 3,300 big coal-fired power plants and several thousand big coal-driven steel and cement factories.*10 The task is huge, but it is at least imaginable—and it targets almost half of the world’s emissions at a stroke. Fix coal, the idea is, then go, if needed, to the next thing. That’s the way to insure against the small but real possibility of catastrophe.