Phone Insurance Quotes

My phone doesn’t ring often—it makes me jump when it does—and it’s usually people asking if I’ve been mis-sold Payment Protection Insurance. I whisper I know where you live to them, and hang up the phone very, very gently.

Seeing modern health care from the other side, I can say that it is clearly not set up for the patient. It is frequently a poor arrangement for doctors as well, but that does not mitigate how little the system accounts for the patient's best interest. Just when you are at your weakest and least able to make all the phone calls, traverse the maze of insurance, and plead for health-care referrals is that one time when you have to — your life may depend on it.

Tentacles is my term — the Tentacles are the evil tasks that invade my life. Like, for example, my American History class last week, which necessitated me writing a paper on the weapons of the Revolutionary war, which necessitated me traveling to the Metropolitan Museum to check out some of the old guns, which necessitated me getting the subway, which necessitated me being away from my cell phone and email for 45 minutes, which meant that I didn’t get to respond to a mass mail sent out by my teacher asking who needed extra credit, which meant other kids snapped up the extra credit, which meant I wasn’t going to get a 98 in the class, which meant I wasn’t anywhere close to a 98.6 average (body temperature, that’s what you needed to get), which meant I wasn’t going to get into a Good College, which meant I wasn’t going to have a Good Job, which meant I wasn’t going to have health insurance, which meant I’d have to pay tremendous amounts of money for the shrinks and drugs my brain needed, which meant I wasn’t going to have enough money to pay for a Good Lifestyle, which meant I’d feel ashamed, which meant I’d get depressed, and that was the big one because I knew what that did to me: it made it so I wouldn’t get out of bed, which led to the ultimate thing — homelessness. If you can’t get out of bed for long enough, people come and take your bed away.

All the baffling things that arrived unwelcome with adulthood—tax returns and car insurance and Pap smears—none of them matter when I am in the lab. There is no phone and so it doesn’t hurt when someone doesn’t call me. The door is locked and I know everyone who has a key. Because the outside world cannot come into the lab, the lab has become the place where I can be the real me. My

I'm flummoxed by this unraveling of time, I'm losing my grip on myself. I know that nothing awful will happen on the other side of the door. If anything, I'm about to have a perfectly forgettable day: a class to teach, a meeting with colleagues, maybe a movie. But I'm afraid of forgetting something crucial—my cell phone or my identity card, my health insurance or my keys. And I'm afraid of running into trouble.

The world THE WORLD IS increasingly designed to depress us. Happiness isn’t very good for the economy. If we were happy with what we had, why would we need more? How do you sell an anti-ageing moisturiser? You make someone worry about ageing. How do you get people to vote for a political party? You make them worry about immigration. How do you get them to buy insurance? By making them worry about everything. How do you get them to have plastic surgery? By highlighting their physical flaws. How do you get them to watch a TV show? By making them worry about missing out. How do you get them to buy a new smartphone? By making them feel like they are being left behind. To be calm becomes a kind of revolutionary act. To be happy with your own non-upgraded existence. To be comfortable with our messy, human selves, would not be good for business. Yet we have no other world to live in. And actually, when we really look closely, the world of stuff and advertising is not really life. Life is the other stuff. Life is what is left when you take all that crap away, or at least ignore it for a while. Life is the people who love you. No one will ever choose to stay alive for an iPhone. It’s the people we reach via the iPhone that matter. And once we begin to recover, and to live again, we do so with new eyes. Things become clearer, and we are aware of things we weren’t aware of before.

As my wife saw it—as most people would see it, I imagine—an unwritten book was hardly a financial plan. “In other words,” she said, “you’ve got some magic beans in your pocket. That’s what you’re telling me. You have some magic beans, and you’re going to plant them, and overnight a huge beanstalk is going to grow high into the sky, and you’ll climb up the beanstalk, kill the giant who lives in the clouds, and then bring home a goose that lays golden eggs. Is that it?” “Something like that,” I said. Michelle shook her head and looked out the window. We both knew what I was asking for. Another disruption. Another gamble. Another step in the direction of something I wanted and she truly didn’t. “This is it, Barack,” Michelle said. “One last time. But don’t expect me to do any campaigning. In fact, you shouldn’t even count on my vote.” — AS A KID, I had sometimes watched as my salesman grandfather tried to sell life insurance policies over the phone, his face registering misery as he made cold calls in the evening from our tenth-floor apartment in a Honolulu high-rise. During the early months of 2003, I found myself thinking of him often as I sat at my desk in the sparsely furnished headquarters of my newly launched Senate campaign

Put a note on your victim’s car that says “Sorry about the dent. Call me to swap insurance details”.  Include a fake name and number. (Or, put a note on somebody else’s car and leave your victim’s phone number.)

My phone doesn’t ring often—it makes me jump when it does—and it’s usually people asking if I’ve been mis-sold Payment Protection Insurance. I whisper I know where you live to them, and hang up the phone very, very gently.

I was recently pulled over by the police in the wee hours of the morning on my way to vacation in Alabama. I was traveling with my family, and my wife and kids were asleep. I was on the phone with my brother Al, trying to get directions to our beach house. There was no one else on the road as I was driving through a small town. All of a sudden, flashing lights appeared out of nowhere and I pulled over. The lights woke up everybody in the car, and one of my kids said, “Maybe the policeman watches Duck Dynasty.” The officer came up to my window and asked for my driver’s license and insurance card. When I began to speak to the policeman, he put his hand on his holstered gun. My wife said, “Guess he’s not a fan.” The cop gave me a speeding ticket for driving forty-four miles per hour in a thirty-mile-per-hour zone, which was fine. Hey, I broke the law! But what made me a bit uncomfortable was that every time I opened my mouth he put his hand on his gun!

Several years ago I was lecturing in British Columbia. Dr [Simon] Wessely was speaking and he gave a thoroughly enjoyable lecture on M.E. and CFS. He had the hundreds of staff physicians laughing themselves silly over the invented griefs of the M.E. and CFS patients who according to Dr Wessely had no physical illness what so ever but a lot of misguided imagination. I was appalled at his sheer effectiveness, the amazing control he had over the minds of the staid physicians….His message was very clear and very simple. If I can paraphrase him: “M.E. and CFS are non-existent illnesses with no pathology what-so-ever. There is no reason why they all cannot return to work tomorrow. The next morning I left by car with my crew and arrived in Kelowna British Columbia that afternoon. We were staying at a patient’s house who had severe M.E. with dysautanomia and was for all purposes bed ridden or house bound most of the day. That morning she had received a phone call from her insurance company in Toronto. (Toronto is approximately 2742 miles from Vancouver). The insurance call was as follows and again I paraphrase: “Physicians at a University of British Columbia University have demonstrated that there is no pathological or physiological basis for M.E. or CFS. Your disability benefits have been stopped as of this month. You will have to pay back the funds we have sent you previously. We will contact you shortly with the exact amount you owe us”. That night I spoke to several patients or their spouses came up to me and told me they had received the same message. They were in understandable fear. What is important about this story is that at that meeting it was only Dr Wessely who was speaking out against M.E. and CFS and how … were the insurance companies in Toronto and elsewhere able to obtain this information and get back to the patients within a 24 hour period if Simon Wessely was not working for the insurance industry… I understand that it was also the insurance industry who paid for Dr Wessely’s trip to Vancouver.

There is much to do, pulling people away, right up until the Coast Guard comes and orders us to stop. Scott is dead. My cell phone is dead. My mother must think me dead. So it goes. I pick up the papers that have drifted down on the boat and have become plastered there, these relics from great buildings that no longer stand. The first one I grab is an insurance document. Listen: What I tell you here is true. The first line on the first page I pick up, it begins: In the event of damage to the building… So it goes.

Reacher said, “You got health insurance?” Chang put her hand on his arm. The first time she had touched him, he thought, apropos of nothing. The guy said, “You threatening me?” Reacher said, “Pretty much.” “This is a free country. I can choose who I sell to. The law says so.” “What’s your name?” “None of your business.” “Is it Maloney?” “No.” “Can you give me change for a dollar?” “Why?” “I want to use your pay phone.” “It isn’t working today.” “You got your own phone in back?” The guy said, “You can’t use it. You’re not welcome here.

As our society grew more complex, more and more of the government’s function took the form of social insurance, with each of us chipping in through our tax dollars to protect ourselves collectively—for disaster relief if our house was destroyed in a hurricane; unemployment insurance if we lost a job; Social Security and Medicare to lessen the indignities of old age; reliable electricity and phone service for those who lived in rural areas where utility companies wouldn’t otherwise make a profit; public schools and universities to make education more egalitarian.

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

If Jim was back at the imaginary dinner party, trying to explain what he did for a living, he'd have tried to keep it simple: clearing involved everything that took place between the moment someone started at trade — buying or selling a stock, for instance — and the moment that trade was settled — meaning the stock had officially and legally changed hands. Most people who used online brokerages thought of that transaction as happening instantly; you wanted 10 shares of GME, you hit a button and bought 10 shares of GME, and suddenly 10 shares of GME were in your account. But that's not actually what happened. You hit the Buy button, and Robinhood might find you your shares immediately and put them into your account; but the actual trade took two days to complete, known, for that reason, in financial parlance as 'T+2 clearing.' By this point in the dinner conversation, Jim would have fully expected the other diners' eyes to glaze over; but he would only be just beginning. Once the trade was initiated — once you hit that Buy button on your phone — it was Jim's job to handle everything that happened in that in-between world. First, he had to facilitate finding the opposite partner for the trade — which was where payment for order flow came in, as Robinhood bundled its trades and 'sold' them to a market maker like Citadel. And next, it was the clearing brokerage's job to make sure that transaction was safe and secure. In practice, the way this worked was by 10:00 a.m. each market day, Robinhood had to insure its trade, by making a cash deposit to a federally regulated clearinghouse — something called the Depository Trust & Clearing Corporation, or DTCC. That deposit was based on the volume, type, risk profile, and value of the equities being traded. The riskier the equities — the more likely something might go wrong between the buy and the sell — the higher that deposit might be. Of course, most all of this took place via computers — in 2021, and especially at a place like Robinhood, it was an almost entirely automated system; when customers bought and sold stocks, Jim's computers gave him a recommendation of the sort of deposits he could expect to need to make based on the requirements set down by the SEC and the banking regulators — all simple and tidy, and at the push of a button.

Give us an idea of…” Noya Baram rubs her temples. “Oh, well.” Augie begins to stroll around again. “The examples are limitless. Small examples: elevators stop working. Grocery-store scanners. Train and bus passes. Televisions. Phones. Radios. Traffic lights. Credit-card scanners. Home alarm systems. Laptop computers will lose all their software, all files, everything erased. Your computer will be nothing but a keyboard and a blank screen. “Electricity would be severely compromised. Which means refrigerators. In some cases, heat. Water—well, we have already seen the effect on water-purification plants. Clean water in America will quickly become a scarcity. “That means health problems on a massive scale. Who will care for the sick? Hospitals? Will they have the necessary resources to treat you? Surgical operations these days are highly computerized. And they will not have access to any of your prior medical records online. “For that matter, will they treat you at all? Do you have health insurance? Says who? A card in your pocket? They won’t be able to look you up and confirm it. Nor will they be able to seek reimbursement from the insurer. And even if they could get in contact with the insurance company, the insurance company won’t know whether you’re its customer. Does it have handwritten lists of its policyholders? No. It’s all on computers. Computers that have been erased. Will the hospitals work for free? “No websites, of course. No e-commerce. Conveyor belts. Sophisticated machinery inside manufacturing plants. Payroll records. “Planes will be grounded. Even trains may not operate in most places. Cars, at least any built since, oh, 2010 or so, will be affected. “Legal records. Welfare records. Law enforcement databases. The ability of local police to identify criminals, to coordinate with other states and the federal government through databases—no more. “Bank records. You think you have ten thousand dollars in your savings account? Fifty thousand dollars in a retirement account? You think you have a pension that allows you to receive a fixed payment every month?” He shakes his head. “Not if computer files and their backups are erased. Do banks have a large wad of cash, wrapped in a rubber band with your name on it, sitting in a vault somewhere? Of course not. It’s all data.” “Mother of God,” says Chancellor Richter, wiping his face with a handkerchief.

Failing to get a certificate of insurance. You should never step one foot in a limo unless you have a physical insurance certificate from the carrier in advance. This step should be one of common sense, but most groups ignore it. If possible, you should pick up the phone and verify that the certificate is valid and actually exists. There are many carriers that will attempt to operate without the proper insurance to reduce operating costs.

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.

He convinced John Stainton to agree that there would be no CGI (computer-generated imagery) wildlife in the movie. We didn’t want to pretend to react to an animal in front of a green screen, and then have computer graphic technicians complete the shot later. That was how Hollywood would normally have done it, but that wasn’t an option for Steve. “All the animals have to be real,” he insisted to the executives at MGM. “I’m doing all of my own stunts. Otherwise, I am not interested.” I always believed that Steve would excel at anything he put his mind to, and a movie would be no different. The camera loved him. As talks ground on at MGM, we came up with a title: Crocodile Hunter: Collision Course. But mostly we had phone calls and meetings. The main sticking point was that no insurance company would touch us. No underwriter would write a policy for a project that required Steve to be working with real live crocodiles. As negotiations seemed to be grinding to a halt, we were all feeling frustrated. Steve looked around at John, Judi, and the others. He could see that everybody had gotten a bit stretched on all our various projects. He decided we needed a break. He didn’t lead us into the bush this time. Instead, Steve said a magic word. “Samoa.” “Sea snakes?” I asked. “Surfing,” he said.

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

Batteries, Bug repellent, Belts, Bags , Barbecue equipment, Boots, Bath towels. Bikes, Bike rack. C - Cash and credit cards, Cell phones & chargers, Camera and film/memory cards, Coffee pot, Can opener, Cups, Cutlery, Computer, Clock, Cleaning utensils, Clothes and coats, Camping Guides, Condiments (salt, sugar, pepper). D - Dishes, Drainers, Disinfectant. F - First Aid kit, Fire Extinguishers G - Glasses, (drinking, reading, sun), Games. H -Herbs, Hair brushes, Headphones. K -Keys (house, RV, Lockers), Kindle & cable, Kitchen Gadgets. M - Medication. Money belts, Measuring implements, Maps, P - PERSONAL DOCUMENTS: Passports, Health Certificates, Insurance, Driving License, RV documents, Power adapters, Pens, Pets:

it, I don’t even have to get it insured.” Phaedon looked at the phone

but the truth is that comparing what private equity firms used to be—and where the perception of private equity still sits in many quarters—to what they are now is like comparing a Motorola cellphone from the 1990s to the latest iPhone. There’s a world of differences; it’s not even close. For pension funds and other investors in private equity funds, the firms they back gives them access to investment opportunities they can’t find or execute themselves. What’s more, they get consistent investment returns out of these opportunities, whether they include leveraged buyouts, credit investments, infrastructure assets, essential utilities, real estate transactions, technology deals, natural resources projects, banks, insurance companies, or life science opportunities. They can buy companies, carve out businesses, build up companies through acquisitions and organic growth, spin off businesses, take companies private from the public market, buy businesses from other funds they manage, draw margin loans to finance dividends, and refinance the capital structure pre-exit. And more besides.

We'd better get out of here fast," Nadia says, "before anyone notices." "Or before our conman friend wakes up," Autumn says. "I doubt Mr. John Smith will be overjoyed when he wakes up and I, for one, would rather not be around to witness it. I also lifted his mobile phone and his wallet," I tell them with a certain amount of pride. "Hopefully, it means that he won't be able to contact you again, Chantal." "Is his driver's license in his wallet?" I flick through the pockets until I found it. "Yes. His real name is Felix Levare." "Could be another alias." Chantal takes it from me. "But I'll keep that as a little extra insurance anyway," she says. There's a wad of cash in the wallet which I help myself to. "This can all go to a deserving charity," I say, then throw the wallet and the mobile phone into the lake after his car. They also splash satisfyingly and then sink without trace. I press the money into Autumn's hands. "Take it and buy some chocolate for your druggie kids." She takes the cash and pockets it. "Thanks.

You have another young patient on immunotherapy? Here at Duke?" I repeat slowly, as Dr. Cartwright chats amicably about how he managed to secure the same drug for him too. Months ago. Months I have spent traveling to Atlanta, whittling down my family's savings and relying on the charity of others. Months of arguing with insurance companies---because treatment was administered out of state---contesting payments and fielding phone calls with bill collectors over clerical errors. I have been hooked to a bag of chemotherapy fluid that could have been administered by pills? I have been getting on a plane when I could have been walking down the hallway in my own institution?

During his life, Brunetti had often heard people begin sentences with, ‘If it weren’t for him . . .’ and he could not hear the words without substituting Sergio’s name. When Brunetti, always the acknowledged scholar of the family, was eighteen, it was decided that there was not enough money to allow him to go to university and delay the time when he could begin to contribute to the family’s income. He yearned to study the way some of his friends yearned for women, but he assented to this family decision and began to look for work. It was Sergio, newly engaged and newly employed in a medical laboratory as a technician, who agreed to contribute more to the family if it would mean that his younger brother would be allowed to study. Even then, Brunetti knew that it was the law he wanted to study, less its current application than its history and the reasons why it developed the way it had. Because there was no faculty of law at Ca Foscari, it meant that Brunetti would have to study at Padova, the cost of his commuting adding to the responsibility Sergio agreed to assume. Sergio’s marriage was delayed for three years, during which time Brunetti quickly rose to the top of his class and began to earn some money by tutoring students younger than himself. Had he not studied, Brunetti would not have met Paola in the university library, and he would not have become a policeman. He sometimes wondered if he would have become the same man, if the things inside of him that he considered vital would have developed in the same way, had he, perhaps, become an insurance salesman or a city bureaucrat. Knowing idle speculation when he saw it, Brunetti reached for the phone and pulled it towards him.

If you want to offer ease of use – and ease of purchase – it is often a good idea not to offer people a Swiss Army knife, something that claims to do lots of things.fn8 With the notable exception of the mobile phone, we generally find it easier to buy things that serve a single purpose. However, the engineering mentality – as at Sony – runs counter to this; the idea of removing functionality seems completely illogical, and it is extremely hard to make the case for over-riding conventional logic in any business or government setting, unless you are the chairman, chief executive or minister in charge. Although you may think that people instinctively want to make the best possible decision, there is a stronger force that animates business decision-making: the desire not to get blamed or fired. The best insurance against blame is to use conventional logic in every decision.

They said goodbye which took another five minutes because kind people here, not used to phones, not trustful of them either, didn't want to be rude or abrasive by hanging up after just one goodbye in case the other's leave-taking was still travelling its way, with a delay, over the airwaves towards them. Therefore, owing to phone etiquette, there was lots of "Bye", "Bye", "Goodbye, son-in-law", "Goodbye, mother-in-law", "Goodbye", "Goodbye", "Bye", "Bye", with each person's ear still at the earpiece as they bent their body over, inching the receiver ever and ever closer on each goodbye to the rest of the phone. Eventually it would end up back on its hook with the human ear physically removed from it. There might be further insurance goodbyes even at this stage, out of compulsion to seal and make sure the matter, which didn't mean the person who'd gone through the protractions wasn't contorted in body and exhausted in mind by the effort of detaching from a phone conversation. What it did mean was that that conversation - without any anxious "Did I cut him off? Will he be hurt? Have I hung up too soon and damaged his feelings?" - had finally reached its traditional end.

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

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

She had moved to Los Angeles from the Midwest, lured by a job with a publisher. But the publisher was bought by another soon after, and she was left without a job. Turning to freelance writing, an erratic marketplace, she found herself either swamped with work or unable to pay her rent. She often had to ration phone calls, and for the first time was without health insurance. This lack of coverage was particularly distressing: she found herself catastrophizing about her health, sure every headache signaled a brain tumor, picturing herself in an accident whenever she had to drive somewhere. She often found herself lost in a long reverie of worry, a medley of distress. But, she said, she found her worries almost addictive. Borkovec

I am a bit distracted by someone in this coffee shop where I am sitting here quietly working on this book. I am quite positive he NEEDS this book. I wanted to print it out and give him a copy, but I didn’t bring my printer with me, because THIS IS NOT MY HOME OFFICE! This guy is sitting at a table next to me, talking SO loudly on his cell phone that no one in a mile radius can hear themselves think. I can only assume he thinks he is alone in his own house because he has removed his shoes and is moving his feet around rapidly to air them out – which by the way, smell. He is in a very public place and severely lacking Common Courtesy. He isn’t thinking that some of the people here come to the coffee shop for some semi-quiet time, to reflect on the world and ourselves…not to listen to his spiel on insurance and why everyone needs more of it. GEEZ!

Jan was born in a small town outside of Kiev, Ukraine. He was an only child. His mother was a housewife, his father a construction manager. When Koum was sixteen, he and his mother immigrated to Mountain View, California, mainly to escape the anti-semitic environment of their homeland. Unfortunately, Jan’s father never made the trip. He got stuck in the Ukraine, where he eventually died years later. His mother swept the floors of a grocery store to make ends meet, but she was soon diagnosed with cancer. They barely survived off her disability insurance. It certainly wasn’t the most glamorous childhood, but he made it through. After college, Jan applied to work at Yahoo as an infrastructure engineer. He spent nine years building his skills at Yahoo, and then applied to work at Facebook. Unfortunately, he was rejected. In 2009, Jan bought an iPhone and realized there was an opportunity to build something on top of Apple’s burgeoning mobile platform. He began building an app that could send status updates between devices. It didn’t do very well at first, but then Apple released push notifications. All of the sudden, people started getting pinged when statuses were updated. And then people began pinging back and forth. Jan realized he had inadvertently created a messaging service. The app continued to grow, but Jan kept quiet. He didn’t care about headlines or marketing buzz. He just wanted to build something valuable, and do it well. By early 2011, his app had reached the top twenty in the U.S. app store. Two years later, in 2013, the app had 200 million users. And then it happened: In 2014, Jan’s company, WhatsApp, was acquired by Facebook―the company who had rejected him years earlier―for $19 billion. I’m not telling this story to insinuate that you should go build a billion-dollar company. The remarkable part of the story isn’t the payday, but the relentless hustle Jan demonstrated throughout his entire life. After surviving a tumultuous childhood, he practiced his craft and built iteratively. When had had a product that was working, he stayed quiet, which takes extreme discipline. More often than not, hustling isn’t fast or showy. Most of the time it’s slow and unglamorous―until it’s not. 

Yeah I see,” Syn said quietly. Ro’s phone rang and he picked it up, giving Syn a couple of private minutes, which were needed because his heart was beating a mile a minute. The fates can’t be that cruel. To make the only man, no forget that; the only person that Syn had been interested in in over ten years a suspect in a murder case he was overseeing. On top of everything else, the man is married. This isn’t good. Ro disconnected his call and Syn asked him, “How soon before this one arrives?” “He’s already here in room five. You coming?” Ro asked, taking Furious’ file from his hands. “I’ll watch.” Syn walked beside Ro to the interrogation rooms. Then he thought better of it, and decided he needed to be honest with his men. They worked effectively together, but most of all they had each other's backs. Ro was a good man and Syn felt he could trust him. “Ro wait.” “What’s up?” Syn blew out a breath and scratched at the hair on top of his head, which was grown out enough that it was already starting to curl. “Syn what’s going on?” Ro looked genuinely concerned, his vibrant blue eyes staring intently at him. Syn looked back and forth as uniforms brushed passed them in the hall. Ro clasped a firm grip on Syn’s shoulder and ushered him into one of the vacant offices. “Talk to me man. You’re my Sarge but I consider you a friend first. That’s the way we operate. If you have a problem, then I have a fuckin’ problem, and so do twenty-one other men. But between you and me right now, what’s up?” Syn rubbed the back of his neck and tried to ease some of the tension there. “This guy Furious.” Ro shook his head indicating he was listening. “I’m kind of, um … we uh … he’s my,” Syn stuttered not quite finding the right words. “You know him and you like him,” Ro finished for him. Syn looked Ro in the eye. “Yeah, I like him.” Syn took a deep breath. “He’s the first him that I’ve liked in a very long time.” “I see.” Ro rubbed his hand over his cheek again. Syn knew the gesture meant Ro was thinking. “Shit’s all fucked up now. I can’t date a goddamn suspect, a married goddamn suspect.” “Hey whoa. We don’t know the situation with the marriage yet. The reasons I thought he could be a suspect? They might be easily explained away.” “You’re the one said you think he’s hiding something,” Syn argued. “Yes, I did. This guy is married, right? He leaves his husband in a way that makes the man file a missing persons on him, and then Furious changes his name, and not back to his birth name. It looks like he’s hiding from him, I just need to find out why.” Ro pulled a paper from the file. “This shows him making regular deposits to an account in a bank located in Los Angeles. The account is under a different name and has over ninety thousand dollars in it.” “So he stole his husband’s money and hauled ass in the middle of the night. Fuckin’ great.” Syn yanked the door open, ready to charge into interrogation room five and tell Furious he could go to hell. “Geez, hold on a minute, Sarge.” Ro grabbed his arm and pulled him back inside, slamming the door closed. “No wonder Day likes you so much. Both of you go off half-cocked all the fucking time. That money wasn’t stolen. It was life insurance proceeds from when his father died. He might’ve been hiding it from the husband. The contributions he’s been making since then have been small but frequent.” “He’s a porn star, Ronowski! I can’t date a damn porn star! Fucking other women and probably men. What the fuck?” Syn was yelling and pacing now. He knew it wasn’t fair to yell at Ro, but he was the only one there now.

But the world is changing at warp speed, and cities have to evolve to stay ahead of the curve. Which brings us to the third generation of cities, Cities 3.0, where the city is a hub of innovation, entrepreneurship and technology. Cities 3.0 is paperless, wireless and cashless. In Cities 3.0, we have more cell phones than telephone landlines, more tablets than desktop computers, more smart devices than toothbrushes. We know that in order to keep up in the modern era, we have to be innovative. If cities are going to drive the nation's economic revitalization, then we need to become laboratories and incubators of change. Yet the pending state legislation, which seeks to require the same insurance for ride-sharing companies as for old-style taxi companies, would discourage innovation and force out-of-date thinking on Next Economy companies such as Uber and Lyft.

Team roster—address, phone and fax of your doctors, and their assistants. • Notes—from consultations and conversations with your doctors. You can refer back to them if you are confused about anything they told you, and perhaps save yourself a call to their office. • Test results—copies of any important test results or reports such as mammograms, pathology reports, etc. • Questions—an ongoing list of questions to ask your doctors during your next visit (unless they are urgent . . . then call immediately). • Symptom tracking—if you are tracking any symptoms associated with treatment such as nausea to report back to your doctors. • Financial statements—keep copies of all medical bills from doctors and hospitals, whether they were sent to you or submitted directly to your insurance company. Also keep copies of all Explanation of Benefit (EOB) statements from your insurance company.

Rent or mortgage payment: $____per month (Angela’s Average: $1,060) 2. Food, household: $____per month (Angela’s Average: $511) 3. Gas, electric, water, phone: $____per month (Angela’s Average: $289) 4. Transportation: $____per month (Angela’s Average: $729) 5. Insurance payments: $____per month (Angela’s Average: $300)           Total $____per month (Angela’s Average: $2,889) Total basic monthly expenses:_______× 12 =__________per year (US average basic annual expenses: $34,668)

Zego is a London based insurtech start-up that provides flexible motor, personal and commercial insurance. The company sells policies ranging in length from an hour to a year. Customers purchase these online, via phone and through Zego’s app. Zego was founded by former Deliveroo employees Sten Saar and Harry Franks, alongside Stuart Kelly, former Head of Engineering at Hubble. The company originally began operating in the motor insurance market, selling policies by the hour to part-time fast food delivery drivers. In 2020 Zego started to offer private hire insurance policies. Since 2016, the company has expanded into other areas of insurance, including public liability insurance for self-employed professionals and employers’ liability cover for businesses. In September 2018, Zego launched overseas, making flexible motor insurance products available to delivery drivers in Ireland. In December 2018, Zego began offering motor insurance policies in Spain.

Did you know that credit cards automatically give you amazing consumer protection? Here are a few examples you might not know about: ■ Automatic warranty doubling: Most cards extend the warranty on your purchases. So if you buy an iPhone and it breaks after Apple’s warranty expires, your credit card will still cover it up to an additional year. This is true for nearly every credit card for nearly every purchase, automatically. ■ Car rental insurance: If you rent a car, don’t let them sell you on getting the extra collision insurance. It’s completely worthless! You already have coverage through your existing car insurance, plus your credit card will usually back you up to $50,000. ■ Trip-cancellation insurance: If you book tickets for a vacation and then get sick and can’t travel, your airline will charge you hefty fees to rebook your ticket. Just call your credit card and ask for the trip-cancellation insurance to kick in, and they’ll cover those change fees—usually between $3,000 to $10,000 per trip. ■ Concierge services: When I couldn’t find LA Philharmonic tickets, I called my credit card and asked the concierge to try to find some. He called me back in two days with tickets. They charged me (a lot, actually), but he was able to get them when nobody else could.

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America is rated 37th in the world for quality of health care. It’s basically a third world country with iPhones and Whole Foods. The American health care system is very similar to insuring a family car - except you’re charged Lamborghini rates. It costs several thousand dollars per year and there’s generally a deductible. Americans can’t wrap their head around a system based on paying less and having everyone covered, because they’re happy to pay more if it means someone else doesn’t get it for free. Fuck Timmy. His parents shouldn’t have had a child if they can’t afford to insure it. This isn’t a village.

The old man was on to something. The summer of the city’s resurrection had also been the summer of scams—coal scams, iron-ore scams, housing scams, insurance scams, stamp-paper scams, phone-license scams, land scams, dam scams, irrigation scams, arms and ammunition scams, petrol-pump scams, polio-vaccine scams, electricity-bill scams, school-book scams, God Men scams, drought-relief scams, car-number-plate scams, voter-list scams, identity-card scams—in which politicians, businessmen, businessmen-politicians and politician-businessmen had made off with unimaginable quantities of public money.

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Gather six to 12 months of checking, savings, and credit card statements, and break your income and expenses down into categories and then line items. I have suggested some here, but add your own as needed. Check to see if your bank or credit card company provides reporting that categorizes charges or lets you assign categories—your work may already be almost done for you: •Income—paychecks, interest, dividends, rents, royalties, business income, pension, social security, child support, spousal support •Housing—mortgage/rent, property taxes, HOA dues, insurance •Utilities—gas, electric, propane, phone, TV/Internet, trash, water/sewer •Food—groceries, dining out •Auto—car payments, gasoline, repairs, insurance •Medical—health insurance, doctor/dentist visits, prescriptions, physical therapy •Entertainment—travel, concerts/shows, sports •Clothing—personal purchases, dry cleaning, uniforms •Personal care—hair/nails, gym/yoga, vitamins/supplements •Miscellaneous—gifts, pets, donations •Children—education, activities, school lunches, childcare You can use a spreadsheet or pen and paper to take note of income and expenses as you go through statements, then calculate a monthly average for each item.

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While my coffee brews, I flip through the mail: catalog, bill, junk, bill … and an envelope with the return address for LifeLine, the agency that handled Paul’s life insurance policy. Probably just a follow-up, since they already sent Lana the generous settlement. I slide my finger under the seal and remove the letter. I scan the document quickly at first, then my eyes widen: medical fraud … investigation … misrepresentation … My hand begins shaking and I almost drop the sheet of paper. It sounds as if the insurance company thinks I had something to do with Paul’s death. I sink onto a counter stool, rereading the letter, this time more closely. Then I reach for my cell phone and call my lawyer.

When you’re a kid,” he said, “time lasts forever. You’re immortal. When your grandparents die, it’s not real. Not yet. Then your parents go, and … well, it’s like there’s no more insurance. You’re next in line. You’re that guy!” He laughed. “The last one standing. The one everyone wants to make sure to see at Christmas, because you never know. You never know. I can see them grieving me even while I’m still here. And there’s a comfort in that. A love. So maybe that’s what you’re giving your father by being here. Even if he doesn’t know it in his brain, he knows it in his cells.” Her throat was dry, and her eyes burned. She folded her hands, staring down at the ridgeline of her knuckles. The man said, “What?” She cleared her throat. “The mourning, it sucks, yeah, but no one tells you…” He kept his gaze steady on her. She forced out the words. “No one tells you how hard it is not to get resentful.” “Accept it,” he said. “If you accept life, you accept all its rich, awful complexities. Because if you think about it, what’s the alternative?” She thought of pork-belly sliders and dude-bros thumbing their phones over dinner and the sweet bullshit promise of demo-targeted advertising. She took the man’s hand, skin draped over bone. “Thank you.

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.

Horizontal expertise paints on a far-reaching canvas. Say that you are an expert known worldwide for helping CEOs manage change in disruptive environments. Your expertise doesn’t come from understanding a vertical industry, like mining or media or consumer electronics or transportation. You just need to be sufficiently sharp to learn enough about a given industry to know how to apply your expertise in a given setting. In effect, you can work with any viable CEO candidate who wants to learn — regardless of the industry — as long as the primary challenges are defined horizontally, such as navigating deep change in the middle of disruption. Today you’re working with C-level executives at Samsung after their phones are banned on all airline flights, but next month you might be working with an executive in the hospitality industry facing a hotel worker strike. Or health insurance executives navigating an uncertain landscape that can never really see farther than two years. Each of these engagements is interesting because you have to apply your expertise to a new setting. But as much as you are learning, you’re taking two steps back for every three steps forward because much of what you learn with each new engagement is just the bare necessity in order to even be relevant. It’s interesting but challenging. Thrilling but exhausting. Engaging but distracting. There are cases, of course, where new clients regard your broad expertise as a significant selling point. They like that you can apply consumer insights to a professional B2B setting, or that you can help apply change management to consumer engagement. The first advantage of horizontal expertise, then, is how the application of expertise to many verticals always keeps the expert engaged and learning.

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

Brainstorm about all the recurring expenditures that you could eliminate or reduce to cut your expenses. Car insurance, cell-phone bills, lunch money, movie tickets. Think about where you can make changes.

Net wages: “It’s not what you make, but what you net” after paying the FIRE sector, basic utilities and taxes. The usual measure of disposable personal income (DPI) refers to how much employees take home after income-tax withholding (designed in part by Milton Friedman during World War II) and over 15% for FICA (Federal Insurance Contributions Act) to produce a budget surplus for Social Security and health care (half of which are paid by the employer). This forced saving is lent to the U.S. Treasury, enabling it to cut taxes on the higher income brackets. Also deducted from paychecks may be employee withholding for private health insurance and pensions. What is left is by no means freely available for discretionary spending. Wage earners have to pay a monthly financial and real estate “nut” off the top, headed by mortgage debt or rent to the landlord, plus credit card debt, student loans and other bank loans. Electricity, gas and phone bills must be paid, often by automatic bank transfer – and usually cable TV and Internet service as well. If these utility bills are not paid, banks increase the interest rate owed on credit card debt (typically to 29%). Not much is left to spend on goods and services after paying the FIRE sector and basic monopolies, so it is no wonder that markets are shrinking. (See Hudson Bubble Model later in this book.) A similar set of subtrahends occurs with net corporate cash flow (see ebitda). After paying interest and dividends – and using about half their revenue for stock buybacks – not much is left for capital investment in new plant and equipment, research or development to expand production.

I WOULD OFTEN think back to that Santelli clip, which foreshadowed so many of the political battles I’d face during my presidency. For there was at least one sideways truth in what he’d said: Our demands on the government had changed over the past two centuries, since the time the Founders had chartered it. Beyond the fundamentals of repelling enemies and conquering territory, enforcing property rights and policing issues that property-holding white men deemed necessary to maintain order, our early democracy had largely left each of us to our own devices. Then a bloody war was fought to decide whether property rights extended to treating Blacks as chattel. Movements were launched by workers, farmers, and women who had experienced firsthand how one man’s liberty too often involved their own subjugation. A depression came, and people learned that being left to your own devices could mean penury and shame. Which is how the United States and other advanced democracies came to create the modern social contract. As our society grew more complex, more and more of the government’s function took the form of social insurance, with each of us chipping in through our tax dollars to protect ourselves collectively—for disaster relief if our house was destroyed in a hurricane; unemployment insurance if we lost a job; Social Security and Medicare to lessen the indignities of old age; reliable electricity and phone service for those who lived in rural areas where utility companies wouldn’t otherwise make a profit; public schools and universities to make education more egalitarian. It worked, more or less. In the span of a generation and for a majority of Americans, life got better, safer, more prosperous, and more just. A broad middle class flourished. The rich remained rich, if maybe not quite as rich as they would have liked, and the poor were fewer in number, and not as poor as they’d otherwise have been. And if we sometimes debated whether taxes were too high or certain regulations were discouraging innovation, whether the “nanny state” was sapping individual initiative or this or that program was wasteful, we generally understood the advantages of a society that at least tried to offer a fair shake to everyone and built a floor beneath which nobody could sink.

You can subscribe to a Volvo XC40 (their compact SUV) for $600 a month, and that includes concierge services like packages delivered straight to your vehicle. Everything is covered except the gas: insurance, maintenance, wear-and-tear replacements, 24/7 customer care. Volvo’s CEO expects that one out of every five of the company’s vehicles will be delivered via subscription by 2023, and the company is working on its own ridesharing network that will allow users to loan or rent its cars for profit. Jim Nichols, product and technology communications manager at Volvo USA, told Consumer Reports, “Our research has shown that many customers are looking for a hassle-free, fixed-rate experience that mirrors the many subscriptions they currently have, such as Netflix or Apple’s iPhone [upgrade] program.

What does it even mean when they say live every day as if it's your last? Do they want me to write my will everyday? Buy wood for my funeral? Call up my insurance agent and tell him I'll fuck him up if he screws up the payment to my family? Delete the internet history from my phone and MacBook? What?

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

Being the kind of person who is very careful with your phone, you assessed that the price of insurance was too high given the likelihood that you would have an accident or lose your phone. Three months later, you were at the grocery store; you dropped your phone and it broke. If you are like most people, the first thought going through your mind is regret about your insurance decision. Worse, you may have recriminations, concluding that not buying insurance was a bad decision.[49] But the fact that you got a bad outcome does not imply that your decision was a bad one.

Zeo, a manufacturer of a sleep tracking device has amassed the largest database in the world on sleep cycles. If these data can help consumers and insurers change behaviors and improve outcomes, this could potentially be a lucrative business model built upon data analytics.