Reasonable Life Insurance Quotes

There's a reason we refer to "leaps of faith" - because the decision to consent to any notion of divinity is a mighty jump from the rational over to the unknowable, and I don't care how diligently scholars of every religion will try to sit you down with their stacks of books and prove to you through scripture that their faith is indeed rational; it isn't. If faith were rational, it wouldn't be - by definition - faith. Faith is belief in what you cannot see or prove or touch. Faith is walking face-first and full-speed into the dark. If we truly knew all the answers in advance as to the meaning of life and the nature of God and the destiny of our souls, our belief would not be a leap of faith and it would not be a courageous act of humanity; it would just be... a prudent insurance policy.

Choose Life. Choose a job. Choose a career. Choose a family. Choose a fucking big television, choose washing machines, cars, compact disc players and electrical tin openers. Choose good health, low cholesterol, and dental insurance. Choose fixed interest mortgage repayments. Choose a starter home. Choose your friends. Choose leisurewear and matching luggage. Choose a three-piece suit on hire purchase in a range of fucking fabrics. Choose DIY and wondering who the fuck you are on Sunday morning. Choose sitting on that couch watching mind-numbing, spirit-crushing game shows, stuffing fucking junk food into your mouth. Choose rotting away at the end of it all, pissing your last in a miserable home, nothing more than an embarrassment to the selfish, fucked up brats you spawned to replace yourselves. Choose your future. Choose life… But why would I want to do a thing like that? I chose not to choose life. I chose somethin’ else. And the reasons? There are no reasons. Who needs reasons when you’ve got heroin?

Music is not a fucking soda. It is not a fucking insurance rate. It is not a fucking T-shirt. It is the only real religion that is worth devoting your soul to. It is the last remnant of the primal scream, the funeral dirge, and the wedding march. It is the light that keeps me out of the shadows, and it is the reason my immortal soul is not in dire straits.

In the United States especially, politics and economics don’t mix well. Politicians have all sorts of reasons to pass all sorts of laws that, as well-meaning as they may be, fail to account for the way real people respond to real-world incentives.

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

You know my present way of life. Can you suggest any additions to it, in the way of crime, that will reasonably insure my going to some other place.

However, as a guarantee of its renewed youth, the symbolical phoenix never reappeared before the eyes of the world without having consumed solemnly the remains and evidences of its previous life. So also Moses saw to it that all those who had known Egypt and her mysteries should end their life in the desert; at Ephesus St Paul burnt all books which treated of the occult sciences; and in fine, the French Revolution, daughter of the great Johannite Orient and the ashes of the Templars, spoliated the churches and blasphemed the allegories of the Divine Cultus. But all doctrines and all revivals proscribe Magic and condemn its mysteries to the flames and to oblivion. The reason is that each religion or philosophy which comes into the world is a Benjamin of humanity and insures its own life by destroying its mother. It is because the symbolical serpent turns ever devouring its own tail; it is because, as essential condition of existence, a void is necessary to every plenitude, space for every dimension, an affirmation for each negation: herein is the eternal realization of the phoenix allegory.

Many of life's decisions are hard. What kind of career should you pursue? Does your ailing mother need to be put in a nursing home? You and your spouse already have two kids; should you have a third? such decisions are hard for a number of reasons. For one the stakes are high. There's also a great deal of uncertainty involved. Above all, decisions like these are rare, which means you don't get much practice making them. You've probably gotten good at buying groceries, since you do it so often, but buying your first house is another thing entirely.

If you’re an adrenaline junkie, I understand why you’d find that exciting. But I’m not, and I don’t. To me, the only good reason to take a risk is that there’s a decent possibility of a reward that outweighs the hazard. Exploring the edge of the universe and pushing the boundaries of human knowledge and capability strike me as pretty significant rewards, so I accept the risks of being an astronaut, but with an abundance of caution: I want to understand them, manage them and reduce them as much as possible. It’s almost comical that astronauts are stereotyped as daredevils and cowboys. As a rule, we’re highly methodical and detail-oriented. Our passion isn’t for thrills but for the grindstone, and pressing our noses to it. We have to: we’re responsible for equipment that has cost taxpayers many millions of dollars, and the best insurance policy we have on our lives is our own dedication to training. Studying, simulating, practicing until responses become automatic—astronauts don’t do all this only to fulfill NASA’s requirements. Training is something we do to reduce the odds that we’ll die.

The critical mind is too thin and cold, thinking itself will help little and reason will be of small avail; only the spirit of reasonableness, a sort of warm, glowing, emotional and intuitive thinking, joined with compassion, will insure us against a reversion to our ancestral type. Only the development of our life to bring it into harmony with our instincts can save us. I consider the education of our senses and our emotions rather more important than the education of our ideas.

And a young man with every reason to work—a wife-to-be to support and a baby on the way—carelessly tossing aside a good job with excellent health insurance. More troublingly, when it was all over, he thought something had been done to him. There is a lack of agency here—a feeling that you have little control over your life and a willingness to blame everyone but yourself. This is distinct from the larger economic landscape of modern America. It’s

I also know that I won't go forth and have children just in case I might regret missing it later in life; I don't think this is a strong enough motivation to bring more babies onto the earth. Though I suppose people do reproduce sometimes for that reason - for insurance against later regret. I think people have children for all manner of reasons- sometimes out of pure desire to nurture and witness life, sometimes out of an absence of choice, sometimes without thinking about it in any particular way. Not all the reasons to have children are the same, and not all of them are necessarily unselfish. Not all the reasons not to have children are the same, either, though. Nor are all those reasons necessarily selfish.

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.

Try the following experiment. Go to the airport and ask travelers en route to some remote destination how much they would pay for an insurance policy paying, say, a million tugrits (the currency of Mongolia) if they died during the trip (for any reason).Then ask another collection of travelers how much they would pay for insurance that pays the same in the event of death from a terrorist act (and only a terrorist act). Guess which one would command a higher price? Odds are that people would rather pay for the second policy (although the former includes death from terrorism). The psychologists Daniel Kahneman and Amos Tversky figured this out several decades ago.

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

Another reason for Buddha’s emphasis on detachment may have been the turbulent times he lived in: Kings and city-states were making war, and people’s lives and fortunes could be burned up overnight. When life is unpredictable and dangerous (as it was for the Stoic philosophers, living under capricious Roman emperors), it might be foolish to seek happiness by controlling one’s external world. But now it is not. People living in wealthy democracies can set long-term goals and expect to meet them. We are immunized against disease, sheltered from storms, and insured against fire, theft, and collision. For the first time in human history, most people (in wealthy countries) will live past the age of seventy and will not see any of their children die before them. Although all of us will get unwanted surprises along the way, we’ll adapt and cope with nearly all of them, and many of us will believe we are better off for having suffered. So to cut off all attachments, to shun the pleasures of sensuality and triumph in an effort to escape the pains of loss and defeat—this now strikes me as an inappropriate response to the inevitable presence of some suffering in every life.

Got a one-way ticket to the blues, woo, woo, . . . IF you want to sing it, sing it. These days people caught in the clutches of the one-way ticket never sing it like that. The soles of those who have only a one-way ticket are so thin that they scream when they step on a pebble. They have had their fill of walking. "The Round-Trip Ticket Blues" is what they want to sing. A one-way ticket is a disjointed life that misses the links between yesterday and today, today and tomorrow. Only the man who obstinately hangs on to a round-trip ticket can hum with real sorrow a song of a one-way ticket. For this very reason he grows desperate lest the return half of his ticket be lost or stolen; he buys stocks, signs up for life insurance, and talks out of different sides of his mouth to his union pals and his superiors. He hums "The One-Way Ticket Blues" with all his might and, choosing a channel at random, turns the television up to full volume in an attempt to drown out the peevish voices of those who have only a one-way ticket and who keep asking for help, voices that come up through the bathtub drain or the toilet hole. It would not be strange at all if "The Round-Trip Ticket Blues" were the song of mankind imprisoned.

Superstition is one of the three main reasons why people choose not to buy life insurance. People think it will make them more likely to die. Investing in life insurance does not increase your risk of dying. Correction: Investing in life insurance may increase your risk of dying if you are married to a murderer. I’m not trying to be funny. Just accurate.

By the eighteenth and nineteenth centuries, astronomy replaced astrology, chemistry succeeded alchemy, probability theory displaced luck and fortune, insurance attenuated anxiety, banks replaced mattresses as the repository of people’s savings, city planning reduced the risks from fires, social hygiene and the germ theory dislodged disease, and the vagaries of life became considerably less vague.

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

Books? Yes, I read a lot, I’ve always read a lot. No, I’m not sure we do understand each other. I like to read best on the floor, or in bed, almost everything lying down, no, it has less to do with the books, above all it has to do with the reading, with black on white, with the letters, syllables, lines, the signs, the setting down, this inhuman fixing, this insanity, which flows from people and is frozen into expression. Believe me, expression is insanity, it arises out of our insanity. It also has to do with turning pages, with hunting from one page to the other, with flight, with complicity in an absurd, solidified effusion, with a vile overflow of verse, with insuring life in a single sentence, and, in turn, with the sentences seeking insurance in life. Reading is a vice which can replace all other vices or temporarily take their place in more intensely helping people live, it is a debauchery, a consuming addiction. No, I don’t take any drugs, I take books, of course I have certain preferences, many books don’t suit me at all, some I take only in the morning, others at night, there are books I don’t ever let go, I drag them around with me in the apartment, carrying them from the living room into the kitchen, I read them in the hall standing up, I don’t use bookmarks, I don’t move my lips while reading, early on I learned to read very well, I don’t remember the method, but you ought to look into it, they must have used an excellent method in our provincial elementary schools, at least back then when I learned to read. Yes I also realized, but not until later, that there are countries where people don’t know how to read, at least not quickly, but speed is important, not only concentration, can you please tell me who can keep chewing on a simple or even a complex sentence without feeling disgust, either with the eyes or the mouth, just keep on grinding away, over and over, a sentence which only consists of subject and predicate must be consumed rapidly, a sentence with many appositions must for that very reason be taken at tremendous speed, with the eyeballs performing an imperceptible slalom, since a sentence doesn’t convey anything to itself, it has to “convey” something to the reader. I couldn’t “work my way through” a book, that would almost be an occupation. There are people, I tell you, you come across the strangest surprises in this field of reading . . . I do profess a certain weakness for illiterates, I even know someone here who doesn’t read and doesn’t want to, a person who has succumbed to the vice of reading more easily understands such a state of innocence, really unless people are truly capable of reading they ought not to read at all.

Though I suppose people do reproduce sometimes for that reason - for insurance against later regret. I think people have children for all manner of reasons - sometimes out of a pure desire to nurture and witness life, sometimes out of an absence of choice, sometimes in order to hold on to a partner or create an heir, sometimes without thinking about it in any particular way. Not all the reasons to have children are the same, and not all of them are necessarily unselfish. Not all the reasons not to have children are the same, either, though. Nor are all those reasons necessarily selfish.

What’s it about?” Danny seemed authentically curious. “The night. It’s got its own set of rules.” “Day’s got rules too.” “Oh, I know,” Joe said, “but I don’t like them.” They stared through the mesh at each other for a long time. “I don’t understand,” Danny said softly. “I know you don’t,” Joe said. “You, you buy into all this stuff about good guys and bad guys in the world. A loan shark breaks a guy’s leg for not paying his debt, a banker throws a guy out of his home for the same reason, and you think there’s a difference, like the banker’s just doing his job but the loan shark’s a criminal. I like the loan shark because he doesn’t pretend to be anything else, and I think the banker should be sitting where I’m sitting right now. I’m not going to live some life where I pay my fucking taxes and fetch the boss a lemonade at the company picnic and buy life insurance. Get older, get fatter, so I can join a men’s club in Back Bay, smoke cigars with a bunch of assholes in a back room somewhere, talk about my squash game and my kid’s grades. Die at my desk, and they’ll already have scraped my name off the office door before the dirt’s hit the coffin.” “But that’s life,” Danny said. “That’s a life. You want to play by their rules? Go ahead. But I say their rules are bullshit. I say there are no rules but the ones a man makes for himself.

But this book is about something else: what goes on in the lives of real people when the industrial economy goes south. It’s about reacting to bad circumstances in the worst way possible. It’s about a culture that increasingly encourages social decay instead of counteracting it. The problems that I saw at the tile warehouse run far deeper than macroeconomic trends and policy. too many young men immune to hard work. Good jobs impossible to fill for any length of time. And a young man [one of Vance’s co-workers] with every reason to work — a wife-to-be to support and a baby on the way — carelessly tossing aside a good job with excellent health insurance. More troublingly, when it was all over, he thought something had been done to him. There is a lack of agency here — a feeling that you have little control over your life and a willingness to blame everyone but yourself. This is distinct from the larger economic landscape of modern America.

Kill Yourself Buddhism argues that your idea of who “you” are is an arbitrary mental construction and that you should let go of the idea that “you” exist at all; that the arbitrary metrics by which you define yourself actually trap you, and thus you’re better off letting go of everything. In a sense, you could say that Buddhism encourages you to not give a fuck. It sounds wonky, but there are some psychological benefits to this approach to life. When we let go of the stories we tell about ourselves, to ourselves, we free ourselves up to actually act (and fail) and grow. When someone admits to herself, “You know, maybe I’m not good at relationships,” then she is suddenly free to act and end her bad marriage. She has no identity to protect by staying in a miserable, crappy marriage just to prove something to herself. When the student admits to himself, “You know, maybe I’m not a rebel; maybe I’m just scared,” then he’s free to be ambitious again. He has no reason to feel threatened by pursuing his academic dreams and maybe failing. When the insurance adjuster admits to himself, “You know, maybe there’s nothing unique or special about my dreams or my job,” then he’s free to give that screenplay an honest go and see what happens. I have both some good news and some bad news for you: there is little that is unique or special about your problems. That’s why letting go is so liberating. There’s a kind of self-absorption that comes with fear based on an irrational certainty. When you assume that your plane is the one that’s going to crash, or that your project idea is the stupid one everyone is going to laugh at, or that you’re the one everyone is going to choose to mock or ignore, you’re implicitly telling yourself, “I’m the exception; I’m unlike everybody else; I’m different and special.” This is narcissism, pure and simple. You feel as though your problems deserve to be treated differently, that your problems have some unique math to them that doesn’t obey the laws of the physical universe. My recommendation: don’t be special; don’t be unique. Redefine your metrics in mundane and broad ways. Choose to measure yourself not as a rising star or an undiscovered genius. Choose to measure yourself not as some horrible victim or dismal failure. Instead, measure yourself by more mundane identities: a student, a partner, a friend, a creator. The narrower and rarer the identity you choose for yourself, the more everything will seem to threaten you. For that reason, define yourself in the simplest and most ordinary ways possible. This often means giving up some grandiose ideas about yourself: that you’re uniquely intelligent, or spectacularly talented, or intimidatingly attractive, or especially victimized in ways other people could never imagine.

I know I saw nothing wrong with insurance fraud, just as I saw nothing wrong with drug smuggling, or with anything else I considered a victimless crime. Draft dodging, still well in the future for me but already upending the lives of the older brothers of friends, I vehemently endorsed. The Vietnam War was wrong, rotten to the core. But the military, the government, the police, big business were all congealing in my view into a single oppressive mass—the System, the Man. These were standard-issue youth politics at the time, of course, and I was soon folding school authorities into the enemy force. And my casual, even contemptuous attitude toward the law was mostly a holdover from childhood, when a large part of glory was defiance and what you could get away with. But a more conscious, analytic, loosely Marxist disaffection was also taking root in my politics in my midteens. (And disaggregating, intellectually and emotionally, the mass of institutional power—sorting out how things actually worked, beyond how they felt as a whole—would turn out to be the work of many years.) In the meantime, surfing became an excellent refuge from the conflict—a consuming, physically exhausting, joy-drenched reason to live. It also, in its vaguely outlaw uselessness, its disengagement from productive labor, neatly expressed one’s disaffection. Where was my sense of social responsibility? Not much in evidence. I marched in peace marches. I was still a good student, which really proved nothing except that I liked to read and was hedging my bets.

Politicians have all sorts of reasons to pass all sorts of laws that, as well-meaning as they may be, fail to account for the way real people respond to real-world incentives.

The following rules are the fundamental differentiators to keep in mind throughout this book. 1. Retirement Is Worst-Case-Scenario Insurance. Retirement planning is like life insurance. It should be viewed as nothing more than a hedge against the absolute worst-case scenario: in this case, becoming physically incapable of working and needing a reservoir of capital to survive. Retirement as a goal or final redemption is flawed for at least three solid reasons: a. It is predicated on the assumption that you dislike what you are doing during the most physically capable years of your life. This is a nonstarter—nothing can justify that sacrifice. b. Most people will never be able to retire and maintain even a hotdogs-for-dinner standard of living. Even one million is chump change in a world where traditional retirement could span 30 years and inflation lowers your purchasing power 2–4% per year. The math doesn’t work.3 The golden years become lower-middle-class life revisited. That’s a bittersweet ending. c. If the math does work, it means that you are one ambitious, hardworking machine. If that’s the case, guess what? One week into retirement, you’ll be so damn bored that you’ll want to stick bicycle spokes in your eyes. You’ll probably opt to look for a new job or start another company. Kinda defeats the purpose of waiting, doesn’t it? I’m not saying don’t plan for the worst case—I have maxed out 401(k)s and IRAs I use primarily for tax purposes—but don’t mistake retirement for the goal.

Note: The first incident happened after the arrest by the Netherlands police in May 1980. I suffered from that, which destroyed my career, future, health, and life. I tried and tried to investigate that, but the police didn't even register the first information report (FIR). It stayed, refusing since 1980 until now, which creates suspicious questions about what the reasons are for not filing the case. It mirrors whether the Netherlands government victimised me or whether the hired ones of the international intelligence agencies have been a hindrance or the criminal groups. - The second incident happened in the shape of uncurable cancer; it was a deliberate mistake and ignorance of the Netherlands Urologists, who did not follow even the primary medical borderlines for the checkup during one year from 2016 to 2017. After the diagnosis, they are hiding the reality, and they still do not take it seriously. I still hope that the Netherlands' neutral and free media will awaken to help me investigate the incident. It will save millions of lives around the world. In God's name, take it seriously to protect me and others. I feel suspicious elements around me. I cry and pray day and night for God's protection since I do not exclude the Qadeyanis witches and magicians, who keep doing black magic continuously that the West does not understand. My Real Story In A Poem *** I never thought I would suffer from cancer The metastatic prostate gland I still cannot decide that It is natural or human-made Since everything is possible In the medical-criminal world How it happened in Western society; Civilized urologists ignored it deliberately From 2016 to 2017 Telling that nothing was wrong Whereas I was suffering from Bleeding, burning, and pain During urinating I begged urologists for a wide-scale checkup With MRI scans and other new technologies But urologists stayed rejecting; Whereas I was paying insurance for that Consequently, at the beginning of 2017 The diagnosis became a time bomb that I had metastatic prostate gland cancer, Which was not curable, They listed me on the death list, Treating for longer life expectancy However, they do tell not the truth And stay suspicious It confuses me and creates grave fear Since then I am bearing terrible side effects Factually, I became victimized twice By criminals, Intelligence Agencies And underground-mafias Which I am unable to trace alone In this regard, I approached Western Media, Ministries, police, courts, Euro Union Unfortunately, none of those responded Even my motherland media cruelly ignored It seems as if I am in the grip of the demon And The Prisoner Of The Hague Everyone has left me alone in pain, Stress, fear, depression Even my children don't care And realize my tears Where resides sympathy, empathy, And humanity? I feel death before death It is a silent cruelty Ah, where should I ask and beg For justice, help, and investigation That civilized world should know An innocent is under victimization I believe God will help and protect And someone from somewhere Appear to hold my hands To eliminate all criminals and demons My cancer will be curable With a longer life expectancy, in some ways Amen, O' merciful God amen.

For reasons Auvert and other scientists do not fully understand, circumcision was found to reduce the risk of HIV transmission by as much as 60 percent in heterosexual men. Subsequent studies in Kenya and Uganda corroborated Auvert’s results.

State-run broadcast TV had been around for decades, but poor reception and a dearth of programming meant there simply wasn’t much reason to watch. But lately, thanks to a steep fall in the price of equipment and distribution, great swaths of India have been wired for cable and satellite TV. Between 2001 and 2006, some 150 million Indians received cable for the first time, their villages suddenly crackling with the latest game shows and soap operas, newscasts and police procedurals, beamed from the big cities of India and abroad. TV gave many Indian villagers their first good look at the outside world.

In the United States especially, politics and economics don’t mix well. Politicians have all sorts of reasons to pass all sorts of laws that, as well-meaning as they may be, fail to account for the way real people respond to real-world incentives.

I watch the news. I read things. I know that in the United States, women kill their husbands more than they do in almost any other country. For every one hundred men who kill their wives, there are something like seventy-five women who kill their husbands, if not more. Some people say it’s more like fifty-fifty. When men kill their wives, often it starts with some sort of psychological abuse. Stalking. Manipulation. Gaslighting. But when women do it, it’s usually because she’s already determined that she’s going to die if he doesn’t. But that’s not always the case. Women kill for different reasons other than fear or in self-defense. Sometimes they kill because they’re jealous, because they’re worried their spouse is going to leave them, for life insurance payouts, or some combination of the three.

The Path of the 99% Purely, statistically speaking (and nothing personal intended), it is almost certain you won’t make an investment in a franchise either. You will probably complain about the way things are, dream about what could be, take a brief stand for yourself by declaring, “I am tired placing my future in the hands of others. Now it’s my turn!” Then you’ll Google franchise opportunities, visit franchisor homepages, gather stacks of franchisor brochures, research companies, talk to people and professionals you trust, and have conversations with franchisors. You’ll feel proactive. You’ll tell your friends you’re considering buying a business. Chances are they thought about it, too. Some will be happy for you, some will be jealous, some will be afraid for you. Virtually everyone will share their strong opinions with you. You’ll dream about what it would be like to be your own boss. You’ll think about your customers and employees. You’ll make clever little charts such as the T Bar, where you neatly list all the pros on the left side of the page, balanced by the cons on the right side. Then the time will come to make a decision. Fear, doubt, and negative self-chatter (yours, your spouse’s, your kids’, your parents,’ your friends’, and your hired professionals’) will kick into high gear. Eventually, you probably will make a fear-based “no” decision, backed by the logic of your neatly listed cons. “The business has fatal flaws,” you think, “Employee turnover is too high. Competition is too fierce. The business is too risky. Sure, it may work in some areas, but everyone knows our town is different.” And with everything going on in your life, the timing couldn’t be worse. Yes, you are being completely responsible with your resources. You didn’t work this hard and long and sacrifice this much to lose what you’ve earned and saved. Moving forward with a franchise would put your family in danger. If you leave your company, you will lose your insurance benefits and 401(k). What if someone in your family had to go to hospital? How would you survive without insurance? Plus, your industry is changing so fast, in a few years your expertise would be obsolete and it would be impossible for you to regain entry if your business didn’t make it. Certainly almost every reasonable person armed with the same research and faced with the same personal challenges you have would naturally come to the same conclusion. And you are right. 99 percent do.

No one can know beyond today what he or she might or might not need in the future. And because that’s true, doesn’t it make sense to pursue more financial wealth than you currently need if for no other reason so that financial wealth can serve as an umbrella insurance policy for your life?

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.

After all, as I walked down the aisle, I knew there was a very excellent chance of divorce. You did, too. We wear our seat belts and buy life insurance for far less risky propositions, and don bike helmets and cook meat to 160 degrees to be safe. Similarly, it is reasonable to expect everyone in a marriage to protect themselves financially in the likelihood of divorce.

a basic income is arguably more justified by the need for economic security than by a desire to eradicate poverty. Martin Luther King captured several aspects of this rather well in his 1967 book, Where Do We Go from Here? [A] host of positive psychological changes inevitably will result from widespread economic security. The dignity of the individual will flourish when the decisions concerning his life are in his own hands, when he has the assurance that his income is stable and certain, and when he knows that he has the means to seek self-improvement. Personal conflicts between husband, wife and children will diminish when the unjust measurement of human worth on a scale of dollars is eliminated.15 Twentieth-century welfare states tried to reduce certain risks of insecurity with contributory insurance schemes. In an industrial economy, the probability of so-called ‘contingency risks’, such as illness, workplace accidents, unemployment and disability, could be estimated actuarially. A system of social insurance could be constructed that worked reasonably well for the majority. In a predominantly ‘tertiary’ economy, in which more people are in and out of temporary, part-time and casual jobs and are doing a lot of unpaid job-related work outside fixed hours and workplaces, this route to providing basic security has broken down. The

Some people let themselves die when their time came. Some grappled to a reasonable facsimile of life, sustained by insurance contracts, phylacteric trusts, and premortem exercises. Others were Vogel. He just died, decayed, and stuck around.

One reason why many types of technical analysis don’t work too well is because such methods are often applied indiscriminately. For example, if you see a head-and-shoulders pattern form in what is the market equivalent of a twenty-year-old, the odds are that the market is not likely to die so quickly. However, if you see the same chart formation in the market equivalent of an eighty-year-old, there’s a much better chance of that pattern being an accurate indicator of a price top. Trading the market without knowing what stage it is in is like selling life insurance to twenty-year-olds and eighty-year-olds at the same premium.” — Victor Sperandeo

...if I was willing to sound cynical - that the only reason that psychiatrists diagnose their clients is so that insurance companies can pay the bills, and I actually believe that that's more true than the claim that the psychiatric diagnostic categories actually capture the essence of the person's problems.

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

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.

Along all the walls, the greeting cards were arranged by category: "Relationships by Blood"; "Recipients of Dismemberment-Insurance Payouts"; "Must I Have a Reason?"; "Imminent Deaths of Secret Admirers"; "Playing Along as Long as It Takes"; "Moving again?"; "Life is Death's Stopgap, Darling"; "Turning a Blind Eye to You Just This Once More"; "Every Hour Seems to Have Ramparts Around It Now, My Dearest One. I Can No Longer Fight My Way Out.

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Some of Becker’s most compelling research concerned altruism. He argued, for instance, that the same person who might be purely selfish in business could be exceedingly altruistic among people he knew—although, importantly (Becker is an economist, after all), he predicted that altruism even within a family would have a strategic element. Years later, the economists Doug Bernheim, Andrei Shleifer , and Larry Summers empirically demonstrated Becker’s point. Using data from a U.S. government longitudinal study, they showed that an elderly parent in a retirement home is more likely to be visited by his grown children if they are expecting a sizable inheritance. But wait, you say: maybe the offspring of wealthy families are simply more caring toward their elderly parents? A reasonable conjecture—in which case you’d expect an only child of wealthy parents to be especially dutiful. But the data show no increase in retirement-home visits if a wealthy family has only one grown child; there need to be at least two. This suggests that the visits increase because of competition between siblings for the parent’s estate. What might look like good old-fashioned intrafamilial altruism may be a sort of prepaid inheritance tax. Some governments, wise to the ways of the world, have gone so far as to legally require grown children to visit or support their aging moms and dads. In Singapore, the law is known as the Maintenance of Parents Act. Still, people appear to be extraordinarily altruistic, and not just within their own families.

To answer this question with some kind of scientific certainty, what you’d really like to do is conduct an experiment. Pretend you could randomly select a group of states and command each of them to release 10,000 prisoners. At the same time, you could randomly select a different group of states and have them lock up 10,000 people, misdemeanor offenders perhaps, who otherwise wouldn’t have gone to prison. Now sit back, wait a few years, and measure the crime rate in those two sets of states. Voilà! You’ve just run the kind of randomized, controlled experiment that lets you determine the relationship between variables. Unfortunately, the governors of those random states probably wouldn’t take too kindly to your experiment. Nor would the people you sent to prison in some states or the next-door neighbors of the prisoners you freed in others. So your chances of actually conducting this experiment are zero. That’s why researchers often rely on what is known as a natural experiment, a set of conditions that mimic the experiment you want to conduct but, for whatever reason, cannot. In this instance, what you want is a radical change in the prison population of various states for reasons that have nothing to do with the amount of crime in those states.

...the United States is the sickest of the rich. ... The United States spends more than twice as much per capita on health care as other capitalist countries on Level 4--around $9,400 compared to around $3,600--and for that money its citizens can expect lives that are three years shorter. the United States spends more per capita on health care than any other country in the world, but 39 countries have longer life expectancies. ...US citizens should be asking why they cannot achieve the same levels of health, for the same cost, as other capitalist countries that have similar resources. The answer is not difficult, by the way: it is the absence of the basic public health insurance that citizens of most other countries on Level 4 take for granted.

The climate models are crude in space and they’re crude in time,” he continues. “So there’s an enormous amount of natural phenomena they can’t model. They can’t do even giant storms like hurricanes.” There are several reasons for this, Myhrvold explains. Today’s models use a grid of cells to map the earth, and those grids are too large to allow for the modeling of actual weather. Smaller and more accurate grids would require better modeling software, which would require more computing power. “We’re trying to predict climate change twenty to thirty years from now,” he says, “but it will take us almost the same amount of time for the computer industry to give us fast enough computers to do the job.

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