Several Insurance Quotes

What I didn’t say was: I know you too well. You live your life idealistically. You think it’s possible to opt out of the system. No regular income, no health insurance. You quit jobs on a dime. You think this is freedom but I still see the bare, painstakingly cheap way you live, the scrimping and saving, and that is not freedom either. You move in circumscribed circles. You move peripherally, on the margins of everything, pirating movies and eating dollar slices. I used to admire this about you, how fervently you clung to your beliefs—I called it integrity—but five years of watching you live this way has changed me. In this world, money is freedom. Opting out is not a real choice.

You've never been a whiner, Margo." "I could give lessons.It's time for me to grow up, take responsibility,be sensible." "Talk to life insurance salesman," Josh said dryly. "Apply for a library card.Clip coupons." She looked down her nose. "Spoken like a man born with not only a silver spoon but the whole place setting stuck in his arrogant little mouth." "I happen to have several library cards," he muttered. "Somewhere." "Do you mind?

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

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.

You think it’s possible to opt out of the system. No regular income, no health insurance. You quit jobs on a dime. You think this is freedom but I still see the bare, painstakingly cheap way you live, the scrimping and saving, and that is not freedom either. You move in circumscribed circles. You move peripherally, on the margins of everything,

What I didn't say was: I know you too well. You live your life idealistically. You think it's possible to opt out of the system. No regular income, no health insurance. You quit jobs on a dime. You think this is freedom but I still see the bare, painstakingly cheap way you live, the scrimping and saving, and that is not freedom either. You move in circumscribed circles. You move peripherally, on the margins of everything, pirating movies and eating dollar slices. I used to admire this about you, how fervently you clung to your beliefs-- I called it integrity-- but five years of watching you live this way has changed me. In this world, money is freedom. Opting out is not a real choice.

...go all the way to Sun Alliance to Chancery Lane, only to be told that they wouldn't insure my new house because of my profession. "Actors...and writers...well, you know." ..I couldn't help feeling something of a reject from society as I walked out again into Chancery Lane...my solicitor cheerfully informs me that several big companies, including Eagle Star won't touch actors. The happy and slightly absurd ending to this story is that I finally find a willing insurer in the National Farmers' Union at Huntingdon.

The split has widened because the right has moved right, not because the left has moved left. Republican presidents Eisenhower, Nixon, and Ford all supported the Equal Rights Amendment. In 1960, the GOP platform embraced "free collective bargaining" between management and labor. REpublicans boasted of "extending the minimum wage to several million more workers" and "strengthening the unemployment insurance system and extension of its benefits." Under Dwight Eisenhower, top earners were taxed at 91 percent; in 2015, it was 40 percent. Planned Parenthood has come under serious attack from nearly all Republican presidential candidates running in 2016. Yet a founder of the organization was Peggy Goldwater, wife of the 1968 conservative Republican candidate for president Barry Goldwater. General Eisenhower called for massive invenstment in infrastructure, and now nearly all congressional Republicans see such a thing as frightening government overreach. Ronald Reagan raised the national debt and favored gun control, and now the Republican state legislature of Texas authorizes citizens to "open carry" loaded guns into churches and banks. Conservatives of yesterday seem moderate or liberal today.

Months later, when I rarely saw the Angels, I still had the legacy of the big machine -- four hundred pounds of chrome and deep red noise to take out on the Coast Highway and cut loose at three in the morning, when all the cops were lurking over on 101. My first crash had wrecked the bike completely and it took several months to have it rebuilt. After that I decided to ride it differently: I would stop pushing my luck on curves, always wear a helmet and try to keep within range of the nearest speed limit ... my insurance had already been canceled and my driver's license was hanging by a thread. So it was always at night, like a werewolf, that I would take the thing out for an honest run down the coast. I would start in Golden Gate Park, thinking only to run a few long curves to clear my head ... but in a matter of minutes I'd be out at the beach with the sound of the engine in my ears, the surf booming up on the sea wall and a fine empty road stretching all the way down to Santa Cruz ... not even a gas station in the whole seventy miles; the only public light along the way is an all-night diner down around Rockaway Beach. There was no helmet on those nights, no speed limit, and no cooling it down on the curves. The momentary freedom of the park was like the one unlucky drink that shoves a wavering alcoholic off the wagon. I would come out of the park near the soccer field and pause for a moment at the stop sign, wondering if I knew anyone parked out there on the midnight humping strip.

For the insurance company, the illusion of agreement was shattered only by the noise audit. How had the leaders of the company remained unaware of their noise problem? There are several possible answers here, but one that seems to play a large role in many settings is simply the discomfort of disagreement.

We want to insure the opportunity for the German spirit to evolve, to re-establish the value of personality as an eternal priority; that is, promote the creative genius of the individual. In this way, we want to sever ties with any appearance of a listless democracy. We want to replace it with the timeless awareness that everything great can only spring from the force of the individual personality, and that everything destined to last must again be entrusted to the abilities of the individual personality.

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.

Her name was Mildred Atkinson and she had led a very stupid life. Grade school, high school—Hollywood High but she was no beauty queen—business college and a job in an insurance office. She was twenty-six years old and she was a good girl, her parents sobbed. She played bridge with girl friends and she once taught a Sunday-school class. She didn’t have any particular gentleman friend, she went out with several. Not often, you could bet. The only exciting thing that had ever happened to her was to be raped and murdered. Even then she’d only been subbing for someone else.

As he surveyed the world being remade by Silicon Valley, and especially what was once called the sharing economy, he began to see through the fantasy-speak. Here were a handful of companies thriving by serving as middlemen between people who wanted rides and people who offered them, people who wanted their Ikea furniture assembled and people who came over to install it, people who defrayed their costs by renting out a room and people who stayed there. It was no accident, Scholz believed, that these services had taken off at the historical moment that they had. An epic meltdown of the world financial system had cost millions of people their homes, jobs, and health insurance. And as the fallout from the crash spread, many of those cut loose had been drafted into joining a new American servant class. The precariousness at the bottom, which had shown few signs of improving several years after the meltdown, had become the fodder for a bounty of services for the affluent—and, Scholz noted, for the “channeling of wealth in fewer and fewer hands.” Somehow, the technologies celebrated by the Valley as leveling playing fields and emancipating people had fostered a slick new digitally enabled upstairs-downstairs line in American social life.

What I didn’t say was: I know you too well. You live your life idealistically. You think it’s possible to opt out of the system. No regular income, no health insurance. You quit jobs on a dime. You think this is freedom but I still see the bare, painstakingly cheap way you live, the scrimping and saving, and that is not freedom either. You move in circumscribed circles. You move peripherally, on the margins of everything, pirating movies and eating dollar slices. I used to admire this about you, how fervently you clung to your beliefs—I called it integrity—but five years of watching you live this way has changed me. In this world, money is freedom. Opting out is not a real choice.

A large literature going back several decades has documented noise in professional judgment. Because we were aware of this literature, the results of the insurance company’s noise audit did not surprise us. What did surprise us, however, was the reaction of the executives to whom we reported our findings: no one at the company had expected anything like the amount of noise we had observed. No one questioned the validity of the audit, and no one claimed that the observed amount of noise was acceptable. Yet the problem of noise—and its large cost—seemed like a new one for the organization. Noise was like a leak in the basement. It was tolerated not because it was thought acceptable but because it had remained unnoticed.

Another person posted this to the group Hashimoto’s 411: I can’t do this any more, I am beside myself and can’t stop crying. Today, I received a disability denial letter from Social Security stating that my condition is not severe enough to qualify. . . . I don’t know what to do, I feel like I am no longer living but just existing and miserable because I feel so sick. My unemployment extended benefits are going to run out and then we’ll be in big trouble if we can’t pay our bills, which include lots of medical bills because I don’t have insurance. I just don’t want to be here any more, and think my husband would be better off not having to deal with me, and with my life insurance he would be much better off financially.

This was the engine of doom.” He’d draw a picture of several towers of debt. The first tower was the original subprime loans that had been piled together. At the top of this tower was the triple-A tranche, just below it the double-A tranche, and so on down to the riskiest, triple-B tranche—the bonds Eisman had bet against. The Wall Street firms had taken these triple-B tranches—the worst of the worst—to build yet another tower of bonds: a CDO. A collateralized debt obligation. The reason they’d done this is that the rating agencies, presented with the pile of bonds backed by dubious loans, would pronounce 80 percent of the bonds in it triple-A. These bonds could then be sold to investors—pension funds, insurance companies—which were allowed to invest only in highly rated securities.

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

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

On the platform of a train station, late morning, early June" two women embracing after a separation of several months. Behind them, a tall fair-haired man alighting from the train carrying two suitcases. The women unspeaking, their eyes closed tight, their arms wrapped around one another, for a second, two seconds, three. Were they aware, in the intensity of their embrace, or something slightly ridiculous about this tableau, something almost comical, as someone nearby sneezed violently into a crumpled tissue; as a dirty discarded plastic bottle scuttled along the platform under a breath of wind; as a mechanised billboard on the station wall rotated from an advertisement for hair products to an advertisement for car insurance; as life in its ordinariness and even vulgarity imposed itself everywhere all around them? Or were they in this moment unaware, or something more than unaware--were they somehow invulnerable to, untouched by, vulgarity and ugliness, glancing for a moment into something deeper, something concealed beneath the surface of life, not unreality but a hidden reality: the presence at all times, in all places, of a beautiful world?

Shortly after I returned home from the Ukraine, I became severely ill with what doctors believed was a parasite. I couldn’t hold my food down and lost a lot of weight. Different doctors kept prescribing me antibiotics, but none of them seemed to help. For a couple of months, I was poked and tested in a variety of ways, only to have more questions surface than answers. Then I was sent to an ear, nose, and throat doctor for an evaluation. I was sitting in a waiting room with a bunch of toddlers, when my name was called. By the time I got into the examination room I knew I’d had enough. “Hey, I’m outta here,” I told the doctor. “I’ll take my chance with the resurrection.” Well, a couple of weeks later, my insurance agent called me. He was one of my lifelong friends and sounded concerned. “Hey, Jase,” he said. “Your insurance company wants you to see a psychiatrist.” Apparently, the ear, nose, and throat doctor recommended I undergo a full psychiatric evaluation based on my refusal to be examined, along with my speech on the resurrection! Apparently, he thought I was crazy. I convinced my buddy that I didn’t need a psychiatrist and eventually got over my illness. I would later read a passage of scripture in the Bible that caused me to smile in reflection on the entire ordeal. Second Corinthians 5:13 says: “If we are out of our mind, as some say, it is for God; if we are in our right mind, it is for you.

In March 2002, the National Academy of Sciences, a private, nonprofit society of scholars, released a high-profile report documenting the unequivocal existence of racial bias in medical care, which many thought would mark a real turning point. Unequal Treatment: Confronting Racial and Ethnic Disparities in Health Care was so brutal and damning that it would seem impossible to turn away. The report, authored by a committee of mostly white medical educators, nurses, behavioral scientists, economists, health lawyers, sociologists, and policy experts, took an exhaustive plunge into more than 480 previous studies. Because of the knee-jerk tendency to assume that health disparities were the end result of differences in class, not race, they were careful to compare subjects with similar income and insurance coverage. The report found rampant, widespread racial bias, including that people of color were less likely to be given appropriate heart medications or to undergo bypass surgery or receive kidney dialysis or transplants. Several studies revealed significant racial differences in who receives appropriate cancer diagnostic tests and treatments, and people of color were also less likely to receive the most sophisticated treatments for HIV/AIDS. These inequities, the report concluded, contribute to higher death rates overall for Black people and other people of color and lower survival rates compared with whites suffering from comparable illnesses of similar severity.

In 1924, riding a wave of anti-Asian sentiment, the US government halted almost all immigration from Asia. Within a few years, California, along with several other states, banned marriages between white people and those of Asian descent. With the onset of World War II, the FBI began the Custodial Detention Index—a list of “enemy aliens,” based on demographic data, who might prove a threat to national security, but also included American citizens—second- and third-generation Japanese Americans. This list was later used to facilitate the internment of Japanese Americans. In 1940, President Franklin D. Roosevelt signed the Alien Registration Act, which compelled Japanese immigrants over the age of fourteen to be registered and fingerprinted, and to take a loyalty oath to our government. Japanese Americans were subject to curfews, their bank accounts often frozen and insurance policies canceled. On December 7, 1941, the Japanese attacked a US military base at Pearl Harbor, Hawaii. More than 2,400 Americans were killed. The following day, America declared war on Japan. On February 19, 1942, FDR signed Executive Order 9066, permitting the US secretary of war and military commanders to “prescribe military areas” on American soil that allowed the exclusion of any and all persons. This paved the way for the forced internment of nearly 120,000 Japanese Americans, without trial or cause. The ten “relocation centers” were all in remote, virtually uninhabitable desert areas. Internees lived in horrible, unsanitary conditions that included forced labor. On December 17, 1944, FDR announced the end of Japanese American internment. But many internees had no home to return to, having lost their livelihoods and property. Each internee was given twenty-five dollars and a train ticket to the place they used to live. Not one Japanese American was found guilty of treason or acts of sedition during World War II.

MATHEMATICAL MIRACLE Some years ago, I heard a story which has been making the rounds in Midwest A.A. circles for years. I don’t have any names to back up this story, but I have heard it from many sources, and the circumstances sound believable. A man in a small Wisconsin city had been on the program for about three years and had enjoyed contented sobriety through that period. Then bad luck began to hit him in bunches. The firm for which he had worked for some fifteen years was sold; his particular job was phased out of existence, and the plant moved to another city. For several months, he struggled along at odd jobs while looking for a company that needed his specialized experience. Then another blow hit him. His wife was forced to enter a hospital for major surgery, and his company insurance had expired. At this point he cracked, and decided to go on an all-out binge. He didn’t want to stage this in the small city, where everyone knew his sobriety record. So he went to Chicago, checked in at a North Side hotel, and set forth on his project. It was Friday night, and the bars were filled with a swinging crowd. But he was in no mood for swinging—he just wanted to get quietly, miserably drunk. Finally, he found a basement bar on a quiet side street, practically deserted. He sat down on a bar stool and ordered a double bourbon on the rocks. The bartender said, “Yes, sir,” and reached for a bottle. Then the bartender stopped in his tracks, took a long, hard look at the customer, leaned over the bar, and said in a low tone, “I was in Milwaukee about four months ago, and one night I attended an open meeting. You were on the speaking platform, and you gave one of the finest A.A. talks I ever heard.” The bartender turned and walked to the end of the bar. For a few minutes, the customer sat there—probably in a state of shock. Then he picked his money off the bar with trembling hands and walked out, all desire for a drink drained out of him. It is estimated that there are about 8,000 saloons in Chicago, employing some 25,000 bartenders. This man had entered the one saloon in 8,000 where he would encounter the one man in 25,000 who knew that he was a member of A.A. and didn’t belong there. Chicago, Illinois

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.

Sunday's Best Times are tough for English babies Send the army and the navy Beat up strangers who talk funny Take their greasy foreign money Skin shop, red leather, hot line Be prepared for the engaged sign Bridal books, engagement rings And other wicked little things Chorus: Standing in your socks and vest Better get it off your chest Every day is just like the rest But Sunday's best Stylish slacks to suit your pocket Back supports and picture lockets Sleepy towns and sleeper trains To the dogs and down the drains Major roads and ladies smalls Hearts of oak and long trunk calls Continental interference At death's door with life insurance Chorus Sunday's best, Sunday's finest When your money's in the minus And you suffer from your shyness You can listen to us whiners Don't look now under the bed An arm, a leg and a severed head Read about the private lives The songs of praise, the readers' wives Listen to the decent people Though you treat them just like sheep Put them all in boots and khaki Blame it all upon the darkies

An occupational therapist will usually evaluate the child in her office. The evaluation is ordinarily a pleasant experience. While costs vary, expect to spend several hundred dollars. This will be money well spent, and it may be covered by health insurance. Here are some of the areas an OT investigates: Fine- and gross-motor developmental levels Visual-motor integration (doing puzzles or copying shapes) Visual discrimination Neuromuscular control (balance and posture) Responses to sensory stimulation (tactile, vestibular, and proprioceptive) Bilateral coordination Praxis (motor planning)

You need to be careful to stay out of Charlie’s line of sight,” Steve said to me. “I want Charlie focusing only on me. If he changes focus and starts attacking you, it’s going to be too difficult for me to control the situation.” Right. Steve got no argument from me. Getting anywhere near those bone-crushing jaws was the furthest thing from my mind. I wasn’t keen on being down on the water with a huge saltwater crocodile trying to get me. I would have to totally rely on Steve to keep me safe. We stepped into the dinghy, which was moored in Charlie’s enclosure, secured front and back with ropes. Charlie came over immediately to investigate. It didn’t take much to encourage him to have a go at Steve. Steve grabbed a top-jaw rope. He worked on roping Charlie while the cameras rolled. Time and time again, Charlie hurled himself straight at Steve, a half ton of reptile flesh exploding up out of the water a few feet away from me. I tried to hang on precariously and keep the boat counterbalanced. I didn’t want Steve to lose his footing and topple in. Charlie was one angry crocodile. He would have loved nothing more than to get his teeth into Steve. As Charlie used his powerful tail to propel himself out of the water, he arched his neck and opened his jaws wide, whipping his head back and forth, snapping and gnashing. Steve carefully threw the top-jaw rope, but he didn’t actually want to snag Charlie. Then he would have had to get the rope off without stressing the croc, and that would have been tricky. The cameras rolled. Charlie lunged. I cowered. Steve continued to deftly toss the rope. Then, all of a sudden, Charlie swung at the rope instead of Steve, and the rope went right over Charlie’s top jaw. A perfect toss, provided that had been what Steve was trying to do. But it wasn’t. We had a roped croc on our hands that we really didn’t want. Steve immediately let the rope go slack. Charlie had it snagged in his teeth. Because of Steve’s quick thinking and prompt maneuvering, the rope came clear. We breathed a collective sigh of relief. Steve looked up at the cameras. “I think you’ve got it.” John agreed. “I think we do, mate.” The crew cheered. The shoot lasted several minutes, but in the boat, I wasn’t sure if it had been seconds or hours. Watching Steve work Charlie up close had been amazing--a huge, unpredictable animal with a complicated thought process, able to outwit its prey, an animal that had been on the planet for millions of years, yet Steve knew how to manipulate him and got some fantastic footage. To the applause of the crew, Steve got us both out of the boat. He gave me a big hug. He was happy. This was what he loved best, being able to interact and work with wildlife. Never before had anything like it been filmed in any format, much less on thirty-five-millimeter film for a movie theater. We accomplished the shot with the insurance underwriters none the wiser. Steve wanted to portray crocs as the powerful apex predators that they were, keeping everyone safe while he did it. Never once did he want it to appear as though he were dominating the crocodile, or showing off by being in close proximity to it. He wished for the crocodile to be the star of the show, not himself. I was proud of him that day. The shoot represented Steve Irwin at his best, his true colors, and his desire to make people understand how amazing these animals are, to be witnessed by audiences in movie theaters all over the world. We filmed many more sequences with crocs, and each time Steve performed professionally and perfected the shots. He was definitely in his element. With the live-croc footage behind us, the insurance people came on board, and we were finally able to sign a contract with MGM. We were to start filming in earnest. First stop: the Simpson Desert, with perentie lizards and fierce snakes.

Steve looked up at the cameras. “I think you’ve got it.” John agreed. “I think we do, mate.” The crew cheered. The shoot lasted several minutes, but in the boat, I wasn’t sure if it had been seconds or hours. Watching Steve work Charlie up close had been amazing--a huge, unpredictable animal with a complicated thought process, able to outwit its prey, an animal that had been on the planet for millions of years, yet Steve knew how to manipulate him and got some fantastic footage. To the applause of the crew, Steve got us both out of the boat. He gave me a big hug. He was happy. This was what he loved best, being able to interact and work with wildlife. Never before had anything like it been filmed in any format, much less on thirty-five-millimeter film for a movie theater. We accomplished the shot with the insurance underwriters none the wiser. Steve wanted to portray crocs as the powerful apex predators that they were, keeping everyone safe while he did it. Never once did he want it to appear as though he were dominating the crocodile, or showing off by being in close proximity to it. He wished for the crocodile to be the star of the show, not himself. I was proud of him that day. The shoot represented Steve Irwin at his best, his true colors, and his desire to make people understand how amazing these animals are, to be witnessed by audiences in movie theaters all over the world. We filmed many more sequences with crocs, and each time Steve performed professionally and perfected the shots. He was definitely in his element.

records in any form I request under the Health Insurance Portability and Accountability Act within thirty days and for a reasonable handling and processing fee. If this material is not quickly forthcoming, I will file a complaint with the federal Health and Human Services’ Office for Civil Rights, which prosecutes HIPPA violations. Sincerely, 3. TO CHALLENGE OUTRAGEOUS CHARGES/BILLING ERRORS Dear Sirs or Madam: I’m writing to protest what I regard as excessive charges for my operation/hospitalization/procedure at your medical facility. The operation/hospitalization/procedure was billed to my insurer/me at $__________,__________. This total included several itemized charges that were well above norms for our nation and our region, such as a $__________,__________ charge for __________ and a $__________,__________ charge for __________. The Healthcare Bluebook says a “fair price” is $__________,__________ and $__________,__________. Likewise, my bill includes entries for treatments I simply did not receive, such as $__________ for __________ and $__________ for __________. Before sending in any payment, I’m requesting that your billing and coding department review my chart to revise the charges, or explain to me the size and the nature of such entries. I have been a loyal customer of your hospital for many years and have been happy with my excellent medical care. But if these billing issues are not resolved, I feel compelled to report them to the state attorney general/consumer protection agency, to investigate fraudulent or abusive billing practices. Sincerely,

Nick implied the job pays crap, so they can’t expect me to be some sort of art professor, right?” She paused when the bartender appeared with a bottle of beer and a slender fluted glass of champagne. The bubbles streaming upward through the pale liquid reminded him of Emma’s personality: round and fizzy, rising as high as they could go. He felt like shit. “Of course, I still need to find a place to live,” Emma said after taking a sip of her drink. “But as long as I have a place to work, I’m good. I can always buy a tent.” “You don’t have to buy a tent,” he said curtly. “Just joking.” She reached across the table and gave his hand a gentle squeeze. “But at least now I don’t have to worry about finding a place to live where I can also work.” He drank some beer straight from the bottle, relishing its sour flavor. Closing his eyes, he pictured that small, windowless room in the community center, its linoleum floor, its cinderblock walls, its sheer ugliness. She was thrilled because she thought it was her only option. But it wasn’t. “Look, Emma—if you want, I’ll take my house off the market. I don’t have to get rid of it. If you want to continue to live there…” She’d raised her champagne flute to her lips, but his words clearly startled her enough to make her lower the glass and gape at him. “But you came to Brogan’s Point to sell the house.” “It can wait.” “And I can’t keep teaching there. You said so yourself. There are those nasty zoning laws. And insurance issues, and liability. All that legal stuff.” She pressed her lips together, effectively smothering her radiant smile. “Taking the room at the community center means I’ll be able to teach there this summer in Nick’s program. So I’ll earn a little more money and maybe make contact with more people who might want to commission Dream Portraits.” She shook her head. “I can make it work.” “You could make it work in my house, too. Stay. Stay as long as you want. We’re not a landlord and tenant anymore. We’ve gone beyond that, haven’t we?” She stared at him, suddenly wary. “What do you mean?” He wasn’t sure what was troubling her. “Emma. We’ve made love. Several times.” Several spectacular times, he wanted to add. “You can stay on in the house. Forget about the rent. That’s the least I owe you.” Her expression went from wary to deflated, from deflated to suspicious. Her voice was cool, barely an inch from icy. “You don’t owe me anything, Max—unless you want to pay me for your portrait. I can’t calculate the cost until I figure out what the painting will…entail.” She seemed to trip over that last word, for some reason. “But as far as the house… I don’t need you to do that.” “Do what? Take it off sale? It isn’t even on sale yet.” “You don’t have to let me stay on in the house because we had sex. I didn’t make love with you because I wanted something in return. You don’t owe me anything.” She sighed again. The fireworks vanished from her eyes, extinguished

My breast cancer diagnosis was in March, and now it was November. Reflecting back, why did I not get tested when I was first diagnosed? As an expert-patient, why did I not even think about getting tested for a BRCA mutation? The very short answer is that I did not really meet the criteria for testing and the test would have cost several thousand dollars were my insurance to decline to pay for it. The long answer is more complicated. No one recommended it.

Cash For Cars Removal - How Can It Save You Money? Cash for cars removed in Cash for Scrap Cars Removal is an excellent way to take the burden of disposal off your mind and have your car properly disposed of. Car removal companies remove cars that are not being resold or who don't meet environmental standards for disposal. They pay you the money for your car's value directly to the company, and then remove it at no cost to you. Cash for cars removal companies typically do not take responsibility for vehicle damage during the process of taking your car away. They also will not pay to get your car back if they discover that your vehicle does not meet their criteria for taking it away. Cash for Car Removal offers two methods of payment. Methods of payment are chosen based on the needs of the individual company and what the business can afford. Methods of payment generally range from a lump sum payment to monthly payments. If you pay in monthly installments, from Cash for Cars Bundall your car will be removed several weeks before your next payment due date. When you pay in lump sum, your car removal company will pay all necessary charges to your bank. This means you won't have any hidden fees. There are many advantages to hiring Cash for Cars Removal. Some of the advantages include the following: Cash for Car Removal companies offer environmentally friendly services for people who need to sell their used cars or vehicles, but do not have the money to purchase new ones. If your car or vehicle has certain cosmetic damage that prevents you from reselling it, you might qualify for a Cash for Cars Removal service. The removal companies also work in partnership with junk yards and dispose of old vehicles there, as well as storing vehicles temporarily while owners who qualify for bankruptcy are given another chance to start over. Cash for Car Removal also has an agreement with the city of New York to pick up and remove automobiles that have been ticketed or convicted of city driving laws. Not only are these individuals given another chance to start over with their lives, but the cars are also sent off to the junk yard or storage facility so they can be recycled and sold again. Before you get started, ensure that you do not have any outstanding tickets, unpaid taxes, liens, or other legal problems that may prevent you from getting Cash for Cars Removal. Cash for Car Removal offers safe and secure pick up and drop off locations for individuals who have valid licenses and insurance to drive vehicles. They work in partnership with various banks to provide the safest and most reliable finance-oriented services around. Cash for Car Removal is committed to helping individuals buy or sell used cars that meet their financial needs and do not pose any financial or environmental problem. Cash for Car Removal services are provided by many different nationwide junk car removal companies, as well as independent contractors. When you contact a Cash for Cars Removal company, make sure you're working with a reputable company that has years of experience dealing with every type of situation. Cash for Car Removal has been at the forefront in providing the most eco-friendly and convenient ways to remove your unwanted vehicles from your home or business. Using a Cash for Cars Removal company allows you to spend your time elsewhere instead of being stuck in a high traffic area. Cash for Car Removal gives customers a choice between paid removal and free pick up. The cost of each service is based on the amount of vehicles to be removed, the distance the vehicle is removed, and how many will be dropped off at each point. When used correctly, a Cash for Cars Removal service can save you hundreds of dollars and hours of unnecessary driving.

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

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

I have never made much money, but this hasn't bothered me. I don't care what I'm paid. I have never had a shared bank account. I do not keep track of how much money is in my bank account. I am not stingy, I admire money well spent. I am not saving for my retirement. I have lived for several years without insurance.

In addition to its bond with the departed, the horse also is connected to fertility. We see that several blades of wheat were left for Odin’s horse to insure a good harvest the following year. We can also note that throughout the entire Germanic area, men offered sacrifices or offerings to horses. Alfred Eskeröd provides an excellent glimpse of this.34 It would be helpful to have a study on the mythology of the horse, for it is an extremely rich subject.

And if a giant new government agency—perhaps called “Housicare”—were given the power to tax all paychecks in order to pay for all home purchases and apartment rentals (according to an official schedule of prices corresponding to family size and job location), the disruption in the market would be mind-boggling. By severing the direct connection between buyer and seller, consumers’ satisfaction with their homes and apartments would suffer while prices would soar. After a few years of such a nutty system, the housing market would be just as screwed up as … well, as the health care and health insurance markets currently are.

Of course, even that day may come. The idea of mandatory contraception has been bruited about at the state level for drug-abusing or welfare-abusing mothers; and it is not hard to imagine that with the federal government counting on Obamacare cost savings from contraception that it could become as mandatory as having health insurance. And if gay marriage really is a civil right, how long will the federal government allow churches to opt out from respecting it? Obama’s supposed respect for the integrity of religious “sacraments” isn’t worth taking seriously. Under the nanny state of the left, nothing remains “private” for long. Should Obama win a second term, one can imagine his friends at Planned Parenthood calling for forcible sterilizations to “save costs” and gay groups calling for “hate crime” fines to be levied on Catholic priests who refuse to bless gay unions. Already in Canada and Western Europe, nonconformists can be dragged before judges for harboring the “wrong” thoughts. The French actress Brigitte Bardot has been “tried” several times for criticizing Islam. So was the late author Oriana Fallaci, who stood trial in Italy for “defaming Islam.” Do not kid yourselves: it could happen here. In a second term, the Obama administration will bring that day much closer.

Drinks DUI expert group to help guide However, the best men s and women s drunken food you like it petty crimes, other traffic violations on the wrong goal that seems to be the direction. If you see that the light sentences and fines to get website traffic is violated, the citizen towards crime. When under the influence of a great interest behind the violation was due to more significant impact. Prison term effects were stuck down the back of people who are well, these licenses is likely that you want to deal with nutrition break and automated attacks can be, that s why. Yes it is expensive insurance, and other options in the outcome of the order of DUI, in everyday life, it affects people and the need to process, I love you. An experienced legal drunk driving charges, and it was presented to a lawyer immediately after the contract has announced that although his own. You are trying to remember the legal rights towards the maximum is very cool, you must be straight. The alternative thinking in any direction, does not encourage conservation officials as a record on suspicion of drunken driving after turning self, yourself simplest explanation, it may be possible to do so until is. His car really only answer whether the director should start by asking, encourages statement. A judgment is impaired, you probably have a file, you can use your account to say that the elements can get. When he finished, completely, their legal rights, and in a quiet warehouse to check their own direction and I will speak, and the optimal route is being used against itself. Most use a positive direction, you might think it accuses because your self, and also to examine the consequences of drinking have been able to rule out the presence of blood. Of course, as long as you do not accept the claims are by drinking in the area, they are deprived of a lawyer. Additional measures will not fix it claims that his lawyer, the Czech-out you can. Therefore, it is also within the laws of their country to be aware of your car. Owned independent certification system will be canceled. It can record their own and as an alternative to the paper license, driving license, was arrested for drunken driving, the licensee, are confiscated in accordance with the direction. License, for how long, but canceling function is based on the severity of their crime. But even apart from some a license, you completely lose its supply is proposed well motivated are not sure. Your sins, so not only is it important for your car can pass only confiscated. DUI price of any of the reception towards obtaining a driving license, DMV hearing is removed again, but the case was registered, although this aspect of themselves independently as a condition of. The court file, however, take care of yourself, as well as independent experts was chosen to listen to their constitution.

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!

When Warren was a little boy fingerprinting nuns and collecting bottle caps, he had no knowledge of what he would someday become. Yet as he rode his bike through Spring Valley, flinging papers day after day, and raced through the halls of The Westchester, pulse pounding, trying to make his deliveries on time, if you had asked him if he wanted to be the richest man on earth—with his whole heart, he would have said, Yes. That passion had led him to study a universe of thousands of stocks. It made him burrow into libraries and basements for records nobody else troubled to get. He sat up nights studying hundreds of thousands of numbers that would glaze anyone else’s eyes. He read every word of several newspapers each morning and sucked down the Wall Street Journal like his morning Pepsi, then Coke. He dropped in on companies, spending hours talking about barrels with the woman who ran an outpost of Greif Bros. Cooperage or auto insurance with Lorimer Davidson. He read magazines like the Progressive Grocer to learn how to stock a meat department. He stuffed the backseat of his car with Moody’s Manuals and ledgers on his honeymoon. He spent months reading old newspapers dating back a century to learn the cycles of business, the history of Wall Street, the history of capitalism, the history of the modern corporation. He followed the world of politics intensely and recognized how it affected business. He analyzed economic statistics until he had a deep understanding of what they signified. Since childhood, he had read every biography he could find of people he admired, looking for the lessons he could learn from their lives. He attached himself to everyone who could help him and coattailed anyone he could find who was smart. He ruled out paying attention to almost anything but business—art, literature, science, travel, architecture—so that he could focus on his passion. He defined a circle of competence to avoid making mistakes. To limit risk he never used any significant amount of debt. He never stopped thinking about business: what made a good business, what made a bad business, how they competed, what made customers loyal to one versus another. He had an unusual way of turning problems around in his head, which gave him insights nobody else had. He developed a network of people who—for the sake of his friendship as well as his sagacity—not only helped him but also stayed out of his way when he wanted them to. In hard times or easy, he never stopped thinking about ways to make money. And all of this energy and intensity became the motor that powered his innate intelligence, temperament, and skills.

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

In February 1982, Uli Hoeness was the sole survivor of a plane crash that killed three of his best friends. ‘That day, the sunny boy in me died,’ Hoeness later said, but people who know him well claim it was rather the egotist in him that died. Under his guidance, Bayern slowly and often secretly would now also become what the writer Dietrich Schulze-Marmeling has called a ‘welfare organisation’. No German club played more benefits and did more to raise money for those in need than Bayern. And when Markus Babbel left the club for Liverpool under less than amicable circumstances in 2000, he always let it be known he would never speak badly of Hoeness. ‘Among the top clubs in Europe, Bayern are the most humane,’ Babbel said. ‘They have always shown generosity when there were problems. Take Alan McInally, who became an invalid and didn’t have any insurance. The club said: we’ll give you severance pay. They practically gifted him the money. Our business manager is somebody you can talk to about such things.

A medical student is sent for training at a clinic specializing in sexual disorders. The head of the clinic takes the student on a tour. In the first room they enter, there’s a patient masturbating. “What’s his diagnosis?” the student asks. “He has a severe case of Semen Buildup Disorder. If he doesn’t ejaculate multiple times a day, he becomes disoriented and nauseated.” In the second room they find a patient with his pants down around his ankles, receiving oral sex from a beautiful nurse. “What about his diagnosis?” the student asks. “Same condition. He just has better health insurance.

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

As the world economy grows, and as the super-elite, in particular, get richer, the superstars who work for the super-rich can charge super fees. Consider the 2009 legal showdown between Hank Greenberg and AIG, the insurance giant he had built. It was a high-stakes battle, as AIG accused Greenberg, through a privately held company, Starr International, of misappropriating $4.3 billion worth of assets. For his defense, Greenberg hired David Boies. With his trademark slightly ratty Lands’ End suits (ordered a dozen at a time by his office online), his midwestern background, his proud affection for Middle American pastimes like craps, and his severe dyslexia (he didn’t learn how to read until he was in the third grade), Boies comes across as neither a superstar nor a member of the super-elite. But he is both. Boies and his eponymous firm earned a reputed $100 million for the nine-month job of defending Greenberg. That was one of the richest fees earned in a single litigation. Yet, for Greenberg, it was a terrific deal. When you have $4.3 billion at risk, $100 million—only 2.3 percent of the total—just isn’t that much money. (Further sweetening the transaction was the judge’s eventual ruling that AIG, then nearly 80 percent owned by the U.S. government, was liable for up to $150 million of Greenberg’s legal fees, but he didn’t know that when he retained Boies.) It

I also quickly came to appreciate the importance of watching what’s said around clients. When clients make unexpected requests for legal advice – as they often do – I learned that it was better to tell them I’d get back to them with an answer, and go away, research the question, and consult with a supervising attorney, rather than firing back an answer off-the-cuff. A friend of mine at another firm told me a story that illustrates the risks of saying too much. It seems an insurance company had engaged my friend’s California-based firm to help in defending against an environmental claim. This claim entailed reviewing huge volumes of documents in Arizona. So my friend’s firm sent teams of associates to Arizona, all expenses paid, on a weekly basis. Because the insurance company also sent its own lawyers and paralegals, as did other insurance companies who were also defendants in the lawsuit, the document review facility was often staffed with numerous attorneys and paralegals from different firms. Associates were instructed not to discuss the case with anyone unless they knew with whom they were speaking. After several months of document review, one associate from my friend’s firm abandoned his professionalism and discretion when he began describing to a young woman who had recently arrived at the facility what boondoggles the weekly trips were. He talked at length about the free airfare, expensive meals, the easy work, and the evening partying the trips involved. As fate would have it, the young woman was a paralegal working for the insurance company – the client who was paying for all of his “perks” – and she promptly informed her superiors about his comments. Not surprisingly, the associate was fired before the end of the month. My life as an associate would have been a lot easier if I had delegated work more freely. I’ve mentioned the stress associated with delegating work, but the flip side of that was appreciating the importance of asking others for help rather than doing everything myself. I found that by delegating to paralegals and other staff members some of my more tedious assignments, I was free to do more interesting work. I also wish I’d given myself greater latitude to make mistakes. As high achievers, law students often put enormous stress on themselves to be perfect, and I was no different. But as a new lawyer, I, of course, made mistakes; that’s the inevitable result of inexperience. Rather than expect perfection and be inevitably disappointed, I’d have been better off to let myself be tripped up by inexperience – and focus, instead, on reducing mistakes caused by carelessness. Finally, I tried to rely more on other associates within the firm for advice on assignments and office politics. When I learned to do this, I found that these insights gave me either the assurance that I was using the right approach, or guidance as to what the right approach might be. It didn’t take me long to realize that getting the “inside scoop” on firm politics was crucial to my own political survival. Once I figured this out, I made sure I not only exchanged information with other junior associates, but I also went out of my way to gather key insights from mid-level and senior associates, who typically knew more about the latest political maneuverings and happenings. Such information enabled me to better understand the various personal agendas directing work flow and office decisions and, in turn, to better position myself with respect to issues and cases circulating in the office.

Sheila Bair, a former Republican Senate staffer who was President Bush’s FDIC chair, quickly agreed to sell WaMu for $1.9 billion to JPMorgan Chase, which would take over the failed bank’s uninsured and insured deposits. But the FDIC did not require JPMorgan to stand behind WaMu’s other obligations, as we had required it to do for Bear Stearns, leaving WaMu’s senior debt holders exposed to severe losses.

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

For interested consumers, there are many health pricing tools. For starters, I recommend The Wall Street Journal’s “Medicare Unmasked” tools,2 although they may be behind a paywall. The Health Care Cost Institute3 is a health-insurer funded effort to compare the cost of various procedures around the country.4 ProPublica, a non-profit news site, is one of several consumer sites that has used the CMS databases to build tools that are not exactly beloved by health care providers, including Dollars for Docs5 and Surgeon Scorecard.6

Consider, for example, the landmark 2004 study that followed several hundred patients treated with one of three popular antidepressants: Zoloft, Paxil, or Prozac. Among those who took the drugs as prescribed, only 23% were depression-free after six months of treatment. (As you might expect, patients who failed to take their meds did even worse.) And all three medications yielded roughly the same dismal results. A fluke result, perhaps? It’s actually pretty typical. The recovery rate with antidepressants in similar studies usually falls somewhere between 20% and 35%. Clinical researchers at forty-one treatment sites across the country have just completed the largest real-world study of antidepressants ever conducted, and the results fit the same overall pattern. This multimillion dollar project, sponsored by the National Institutes of Mental Health, followed about three thousand depressed patients who initially took the drug citalopram (marketed under the trade name Celexa) for about twelve weeks. By the end of that short-term treatment period, only 28% of study patients had fully recovered. The study’s 28% response rate might even be an overestimate of the medication’s true effectiveness, because patients received higher drug doses and had more frequent doctor’s visits than people do in everyday clinical practice. (In real life, insurance companies sharply restrict the frequency of “med check” follow-up appointments). Remarkably, the study’s authors—a veritable All-Star team of clinical researchers—noted that the observed 28% recovery rate was about what they had expected to see based on comparable studies. That’s right: They weren’t surprised to find that the majority of study patients failed to recover on an antidepressant. In the study’s published write-up, the researchers also raised a provocative question: What percentage of their patients might have recovered if they had received a sugar pill—a placebo—instead of the medication? Could it possibly have been as high as 28%?

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.

as numerous individual colored folders, one for each of the following categories: • Insurance info • Mortgage info • Purchase docs • Monthly income statements • Bank statements • Tenant interactions • Rehab and maintenance • Tenant files • Receipts • Miscellaneous paperwork This way, each property will have one overarching folder file, as well as several color-coded folders for easy retrieval of information. Need insurance docs for 123 Main Street? Oh, that’s in the 123 Main Street file, red folder.

Jobs that used to come with some guarantees, even union membership, have been transformed into gigs. Temp workers are not just found driving Ubers; they are in hospitals and universities and insurance companies. The manufacturing sector—still widely mistaken as the fount of good, sturdy, hard-hat jobs—now employs more than a million temp workers. Long-term employment has declined steadily in the private sector, particularly for men, and temp jobs are expected to grow faster than all others over the next several years. Income volatility, the extent to which paychecks grow or shrink over short periods of time, has doubled since 1970. For scores of American workers, wages are now wobbly, fluctuating wildly not only year to year but month to month, even week to week.

Another AI-oriented company that has established several ecosystems—also in partnership with Palantir, in which it has made a substantial investment—is SOMPO Holdings, a large insurance and elder care company based in Japan. SOMPO

Number of Ingroups If only one ingroup is present, it dominates social life. It provides the only source of norms, identity, and social support. Collectivists may have relatively few ingroups, but they identify very strongly with them. The ingroups of collectivists provide social insurance, protection, and a relaxing atmosphere. The presence of many ingroups encourages individualism. For example, the separation of church and state in the United States automatically creates more than one ingroup and is a premise upon which multiculturalism and democracy are based. It is also the foundation for social movements because each ingroup can potentially become a social movement. Multiple ingroups are especially important in large urban centers, where the social controls of small ingroups are often weak. The social structures of these communities are loose, and several of the factors we have discussed converge to put more emphasis on personal responsibility and less on norms. With more ingroups and looseness there is an increase in social diversity, tolerance for deviance, and multiculturalism. Thus the factors that make cultures loose and allow many choices favor individualism. Conversely, collectivism is maximal in tight cultures, where there are few choices.

When the National War Labor Board froze salaries during and after World War II, companies facing severe labor shortages discovered that they could attract workers by offering health insurance instead. To encourage the trend, the federal government ruled that money paid for employees’ health benefits would not be taxed.

the head of innovation of an international French insurance company. I was supporting a HealthTech start-up providing remote chats with GPs in South Asian emerging countries. As data is the new oil, the start-up was also capturing analytics in the process on key trends for main pathologies. Patients in those countries miss affordable access to medical consultations. Equally, insurance companies miss useful data of the healthcare market and the patient requirements. People in this part of the world cannot pay for yearly insurances with large coverage but they could afford some level of insurance addressing specific diseases, pregnancy or partial coverage for their children. Hence insurance companies are keen to better understand this population and tap into a huge market. As the win/win was obvious the founder of the start-up had engaged with several insurance companies in view of developing an open innovation program. I was following up the engagement bringing the professional experience of working with a major healthcare innovative company in the US. The conversation started very well with an innovation manager genuinely supportive of integrating start-up creativity in the enterprise. Knowing the corporate world, I was not surprised to uncover two obstacles:

I know you too well. You live your live idealistically. You think its possible to opt out of the system... no regular income, no health insurance... You quit jobs on a dime. You think this is freedom but I see the bare, painstakingly cheap way you live... the scrimping and saving. And that is not freedom either. You move in circumscribed circles, you move peripherally, on the margins of everything.. pirating movies and eating dollar slices. I used to admire this about you, how fervently you clung to your beliefs. I called it integrity, but five years of watching you live this way has changed me. In this world, money is freedom

Income volatility can also interfere with the existing social safety net. Some welfare programs require beneficiaries to work a certain number of hours each week, assuming that the number of hours worked is under the control of the employee, rather than the employer.53 Qualification for programs like food stamps and health insurance subsidies is based on an average monthly income threshold. But of course volatile incomes mean that families bounce in and out of eligibility.54 Bouncing in and out of Medicaid ineligibility causes interruptions in care for chronic conditions, particularly in places where the doctors who accept Medicaid and private insurance don’t overlap.55 There can also be severe penalties for “fraud” in these programs, receiving benefits when your income is too high. But households subject to volatile incomes may not, themselves, know when or whether they will cross thresholds of eligibility. For instance, as of 2016, the Pennsylvania Medicaid Application asks whether anyone in the household has a hard time predicting their income, but in the very next question requires applicants to do exactly that—for the next twenty-four months—in order to establish eligibility.

After years of frustrating delays, the Churches at last moved to New York in May 1797. John Barker Church soon established himself as a personage of staggering wealth and New York’s foremost insurance underwriter. “His equipage and style of living are several degrees beyond those of any other man amongst us,” Robert Troup marveled.14 Angelica began to throw extravagant parties at which guests dined on plates of polished silver. She usually glittered with diamonds and captivated many socialites.

The Great Hall looked its usual splendid self, decorated for the start-of-term feast. Golden plates and goblets gleamed by the light of hundreds and hundreds of candles, floating over the tables in midair. The four long House tables were packed with chattering students; at the top of the Hall, the staff sat along one side of a fifth table, facing their pupils. It was much warmer in here. Harry, Ron, and Hermione walked past the Slytherins, the Ravenclaws, and the Hufflepuffs, and sat down with the rest of the Gryffindors at the far side of the Hall, next to Nearly Headless Nick, the Gryffindor ghost. Pearly white and semitransparent, Nick was dressed tonight in his usual doublet, but with a particularly large ruff, which served the dual purpose of looking extra-festive, and insuring that his head didn’t wobble too much on his partially severed neck.

Driver Behavior & Safety Proper driving behavior is vital for the safety of drivers, passengers, pedestrians and is a means to achieve fewer road accidents, injuries and damage to vehicles. It plays a role in the cost of managing a fleet as it impacts fuel consumption, insurance rates, car maintenance and fines. It is also important for protecting a firm’s brand and reputation as most company- owned vehicles carry the company’s logo. Ituran’s solution for driver behavior and safety improves organizational driving culture and standards by encouraging safer and more responsible driving. The system which tracks and monitors driver behavior using an innovative multidimensional accelerometer sensor, produces (for each driver) an individual score based on their performance – sudden braking and acceleration, sharp turns, high-speed driving over speed bumps, erratic overtaking, speeding and more. The score allows fleet managers to compare driver performance, set safety benchmarks and hold each driver accountable for their action. Real-time monitoring identifies abnormal behavior mode—aggressive or dangerous—and alerts the driver using buzzer or human voice indication, and detects accidents in real time. When incidents or accidents occurs, a notification sent to a predefined recipient alerts management, and data collected both before and after accidents is automatically saved for future analysis. • Monitoring is provided through a dedicated application which is available to both fleet manager and driver (with different permission levels), allowing both to learn and improve • Improves organizational driving culture and standards and increases safety of drivers and passengers • Web-based reporting gives a birds-eye view of real-time driver data, especially in case of an accident • Detailed reports per individual driver include map references to where incidents have occurred • Comparative evaluation ranks driving according to several factors; the system automatically generates scores and a periodic assessment certificate for each driver and/or department Highlights 1. Measures and scores driver performance and allows to give personal motivational incentives 2. Improves driving culture by encouraging safer and more responsible driving throughout the organization 3. Minimizes the occurrence of accidents and protects the fleet from unnecessary wear & tear 4. Reduces expenses related to unsafe and unlawful driving: insurance, traffic tickets and fines See how it works:

If I were in this patio shade sail business, a method I would do it is to head out to the setting up resource enterprise and ask some of the guys behind the workplace about personnel who conduct your size job - they sure as heck not necessarily going to recommend technicians who not necessarily paying their bills and that will be a lifesaver there as well. It's impossible those men at the setting up source would become obtaining kickbacks from companies. Some of those men will not recommend contractors, but some will. Get four or five advice. We prepare subcontractor deals for our Standard Builder construction organization and just before preparing the arrangements, often check with the state office that gives away builder contractor licenses to make certain they're listed under the trade they state to get proficient in and find if there are any complaints filed. I also contact the talk about organization commission to see if they're posted now there and how lengthy they've been in business, and then have got their insurance agent to send us a copy of their insurance certificate showing that they have general liability and worker's compensation insurance (and make sure the name of their company on the contract matches the builder's license, the listed corporate entity, and insurance). And, you definitely want to make sure your contract has start and finish dates with liquidated damages for failure to finish on time, that the contractor supplies all materials and labor, that if the contractor breaches the contract that the contractor will be in charge of your legal fees, progress payments with lien waivers, as well as many other clauses AND a very detailed scope of work. It is important to specify the manufacturer and the exact type/quality & color of shingle, the underlayment brand and quality, the valleys' ice and water shield, tear-off or not of the existing shingles, how much will be charged if the sheathing is rotten per sheet for labor and material and type that it is to be replaced with, disposal of all construction debris, protection of your landscaping and personal property below the roof. I also attach a copy of the manufacturer's installation instructions and state that the product will be installed according to them. I prepare our contract and attach the subcontractor's contract to ours as an addendum (and our clauses supersede theirs). You want to get your scope of work ready to give to contractors to bid on so everyone is bidding on the same thing. When I first started, I would get several bids and cobble together a scope of work and then ask people to rework their bids based on it if their bids didn't include my new scope of work. So, this is going to be a large, important expense for you, and you probably want a good attorney, experienced in contracts, to review your contract. It will be worth the couple hundred extra dollars. (Ask how much the charge is up front.)

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.

Not so many years ago, schoolchildren were taught that carbon dioxide is the naturally occurring lifeblood of plants, just as oxygen is ours. Today, children are more likely to think of carbon dioxide as a poison. That’s because the amount of carbon dioxide in the atmosphere has increased substantially over the past one hundred years, from about 280 parts per million to 380. But what people don’t know, the IV scientists say, is that the carbon dioxide level some 80 million years ago—back when our mammalian ancestors were evolving—was at least 1,000 parts per million. In fact, that is the concentration of carbon dioxide you regularly breathe if you work in a new energy-efficient office building, for that is the level established by the engineering group that sets standards for heating and ventilation systems. So not only is carbon dioxide plainly not poisonous, but changes in carbon-dioxide levels don’t necessarily mirror human activity. Nor has atmospheric carbon dioxide been the trigger for global warming historically: ice-cap evidence shows that over the past several hundred thousand years, carbon dioxide levels have risen after a rise in temperature, not the other way around.

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

Here were a handful of companies thriving by serving as middlemen between people who wanted rides and people who offered them, people who wanted their Ikea furniture assembled and people who came over to install it, people who defrayed their costs by renting out a room and people who stayed there. It was no accident, Scholz believed, that these services had taken off at the historical moment that they had. An epic meltdown of the world financial system had cost millions of people their homes, jobs, and health insurance. And as the fallout from the crash spread, many of those cut loose had been drafted into joining a new American servant class. The precariousness at the bottom, which had shown few signs of improving several years after the meltdown, had become the fodder for a bounty of services for the affluent—and, Scholz noted, for the “channeling of wealth in fewer and fewer hands.” Somehow, the technologies celebrated by the Valley as leveling playing fields and emancipating people had fostered a slick new digitally enabled upstairs-downstairs line in American social life.

No matter where we move, it would be the same thing for me. I'd need to hold down a job. I'd need to make rent. I'd need health insurance. Jonathon gave me a hard look. Why do you want to work a job you don't really even believe in? What's the endgame of that? Your time is worth more than that. I returned his look. The way you choose to live is a luxury. It's only possible for a while, when no one depends on you. But it's not sustainable.

The CTM in particular had for a number of years demanded the creation of national unemployment insurance. For several years after the 1992 reform, the organization continued to demand that the SAR contributions be used for unemployment insurance instead.

[Following is an official OnlineBookClub.org review of "Building Insurance Your Guide" by michael a.n.p. cretikos.] ________________________________________ 5 out of 5 stars ________________________________________ Share This Review FacebookTwitterLinkedInPinterestShare ________________________________________ Building Insurance: How to Select the Correct Building Sum Insured Value for Low-Rise and High-Rise Structures authored by Michael A. N. P. Cretikos is a comprehensive guide on how to select the best policy and factors to consider to avoid being in a situation of underinsurance. According to the author, he filled in the gap that exists in knowledge by introducing the Building Sum Insured Value (BSI) based on current rental value, and according to him, this method is the most accurate that there is. The author highlighted situations in which underinsurance is inevitable and underlined ways to avoid such situations. Taxes such as stamp duties on insurance could be disincentives, and the author discouraged it. He advised the readers to always opt for 100% coverage so that the loss can be fully catered for and the insured reinstated back to their previous position. Several acts and policies were stated, and the authors made suggestions for innovations; the ICA code wasn’t left out; he highlighted the fault in it and gave feasible solutions. This book was very informative, and I enjoyed reading it. The author's in-depth research shines through and adds a layer of authenticity to the book. I loved the fact that as much as the author criticized the already existing policies, he made suggestions for improvement. I equally appreciated the fact that there were so many quotations backed up with references so the readers can verify at their will. The step-by-step calculations and clearly outlined tables also enhanced my understanding of how numerical values are arrived at, and I absolutely loved it. As much as I enjoyed reading this book, I found some parts overly repetitive, and I also found the consistent use of bold texts quite distracting. I loved the keypoints outlined in every section; it made the important information very easy to grasp. Overall, this book was an enlightening read and would keep readers eager to learn more. I rate this book five out of five stars because of its informative contents and the fact that my dislikes weren’t enough to remove a star. I didn't find any errors while reading, which implies that the book was perfectly edited. I’d recommend this book to people who are interested in the workings of building insurance.

On top of everything else, you need to learn to make a fuss. If you don't, no matter how your care's paid for—private insurance, public insurance, out of pocket—you may get passed over or rushed through when you need something more. If my parents hadn't pushed for a second opinion that, frankly, I didn't want, I'd have been discharged post-suicide attempt with negligible follow-up. Being pushy takes determination and time and a degree of confidence in the system and your place in it. People who are marginalized in other aspects of their lives—by race, by income, by language, by immigration status— are less likely to have that confidence. And the people least able to haggle effectively are those with the most severe mental illness—either because they lack the wherewithal to do so or they don't think anything will make them better or they simply don't believe they deserve care. Or because their haggling isn't effective—it's easy to dismiss a crazy person's kvetching no matter how justified. I've spoken to so many people who felt they weren't heard, weren't listened to when making concerns known.

In this study and others like it, guesswork about a peculiar black predisposition toward unhealthy births imports an old notion about sickle cell disease “afflicting the black race.”25 Whenever I give a talk on this topic, there is inevitably someone in the audience who invokes the mantra that sickle cell anemia is a black genetic disease and therefore proves that race is a genetic category. This misconception was first popularized in the early twentieth century by hematology experts who believed the capacity to develop sickled cells was uniquely inherent in “Negro blood.”26 Stereotypes about black resistance to malaria and susceptibility to sickle cell justified sending black workers to malaria-infested regions in the first part of the century and later led to discriminatory government, employer, and insurance-testing programs in the 1970s.27 The error is easily exposed by looking at two world maps, one highlighting the regions around the globe where malaria is prevalent, the other highlighting areas where sickle cell disease is present. The maps mirror each other perfectly. By comparing them, it is plain to see that malaria and sickle cell aren’t restricted to Africa and that much of Africa is unaffected. High frequencies of the trait also occur in parts of Europe, Oceania, India, and the Middle East, all places where there is malaria. In fact, people in the town of Orchomenos in central Greece have double the rate of sickle cell disease reported among African Americans.28 If frequency of the sickle cell gene determined racial boundaries, it certainly would not prove there is a black race. Instead, as Jared Diamond pointed out in the November 1994 issue of Discover , if we grouped together people by the presence or absence of the sickle cell gene, “we’d place Yemenites, Greeks, New Guineans, Thai, and Dinkas in one ‘race,’ Norwegians and several black African peoples in another.”29 It would be more accurate to call the groups with the sickle cell gene the “antimosquito race.” Of course, that would be a silly way of grouping people, except for studying the sickle cell gene. But “black race” is an equally silly way of grouping people for identifying genetic contributions to disease.

How Do I Reach an American Airlines Agent to Book a Ticket? Step-by-Step Guide for 2025" Introduction Knowing how to contact an American Airlines agent is crucial when booking or modifying a flight. Whether you’re planning a vacation or need to adjust an existing reservation, sometimes speaking with a live representative is necessary for the best experience. Common reasons for reaching out to an agent include complex itineraries, booking issues, special seating requests, or needing additional services like pet travel arrangements. Being able to connect with an American Airlines agent can help solve these problems efficiently. For immediate assistance, you can always call ☎️+1(888) 217-5921. This number is the key to quick support for bookings or modifications, helping ensure your travel plans go smoothly. Why Contact an American Airlines Agent for Booking? There are several reasons why booking assistance from an American Airlines agent can be more beneficial than relying solely on online platforms. First, when you encounter complicated travel schedules or need to make multiple changes to your itinerary, a live agent can provide personalized support. In some cases, customers need to book connecting flights or add stopovers, which might be difficult to manage online. If you’re traveling with special needs—like requesting a wheelchair, extra legroom, or arranging pet travel—speaking to an agent ensures these requirements are addressed properly. Booking mistakes, such as entering incorrect dates or missing out on upgrades, are often easier to resolve when you speak directly to an agent. ☎️+1(888) 217-5921 is your best option for these kinds of issues, as an agent can quickly correct errors or find better solutions. Moreover, for issues such as changing an American Airlines booking or adding extra services like meal preferences or travel insurance, customer service plays a crucial role in ensuring everything is set up as per your needs. Best Ways to Reach an American Airlines Agent Phone Booking For many travelers, speaking with an American Airlines agent over the phone is the quickest way to address booking or modification needs. The official customer service number for US-based customers is ☎️+1(888) 217-5921, and international customers can find key contact numbers for their region. To avoid long wait times, it’s helpful to call during off-peak hours, such as early mornings or weekdays. Also, using the American Airlines mobile app before calling can help streamline the process by ensuring you have your details ready, making it easier to explain your situation once you get through. Online Chat with an Agent American Airlines offers an online chat feature on their website for quick access to customer service. This method is great if you prefer typing over speaking or need assistance while on the go. The chat option provides responses in real-time, so if you need help with booking a ticket or resolving an issue, it’s efficient and convenient. It’s particularly useful for travelers who have a clear, straightforward question or a simple request. This is a great alternative for fast assistance without needing to wait on hold. Using the American Airlines Mobile App The American Airlines mobile app is another handy tool for booking flights and reaching out to customer service. You can book flights, check your itinerary, and modify bookings directly through the app. If you need to speak with an agent, the app allows you to message them through a live chat feature. Using the app’s booking functionality can also save time by letting you manage your travel plans wherever you are. The convenience of having everything in one place means you won’t have to make a separate call to ☎️+1(888) 217-5921 for simple inquiries.

Confusion and Dilemma *** “The criminals neither let investigation nor investigate crimes; indeed, it is it that authenticates itself an authentic proof of their involvement and conspiracy.” ― Ehsan Sehgal I live in a highly civilized country where human rights, equality, justice, and freedom of expression are core principles and laws. However, in my case, they have never been realized or practically evident. Even the European Union and the United Nations have ignored my requests for an investigation against the Dutch state, which has criminally neglected me and consistently remained silent for many decades. Human rights organizations, Dutch journalists, and media outlets have failed to demonstrate their fairness, neutrality, and freedom of the press. I have continuously remained a victim. Criminals have significantly succeeded in their unlawful motives. I am still waiting, suffering from paralysis in both legs, a medical victim of circumstance, hoping for a miracle from someone who will recognize and understand the need to help before I can no longer share my story. Note: This article was written on August 22, 2020, about Social Media; no, I am republishing it on Medium. I know there will be no response; one cannot expect justice from criminals. Confusion and Dilemma When naturopathy experts and spiritual figures predict with significant certainty that I have no prostate cancer, it confuses, surprises, and creates suspicious feelings in my mind, whereas European doctors have diagnosed metastatic prostate cancer. What should I believe and what not? However, my enemies are still awaiting my death. I breathe, expecting and waiting for the miracle of Allah; it will soon happen, I believe. I neither feel trust in Dutch urologists and oncologists nor do I have the satisfaction of their treatment. I always realize that they do not tell the truth about how serious my disease is, but they never discuss it. Today, the urologist called me, asking how I was feeling. I told him that I was suffering from mucus, shortness of breath, and swallowing difficulty; he didn’t pay notice and said that the endoscopy showed nothing dangerous. I asked him, I have planned to visit my family in Pakistan and will stay longer than I used to stay; therefore, I need medicine for that period. He replied in an unsympathetic way that medicine is costly if you pass away there; it costs insurance money. I requested an MRI scan to make sure that the cancer is not spreading to other parts of the body; he declined, saying PSA stays down, so there is no need for this. It saddened me that they think about the insurance provider but not the patient. On the other side, my insurance provider, VGZ, has refused to pay the costs of a new treatment in Germany, which I would try again. Indeed, such a situation has put me on the track of a dilemma; however, God has given me the enormous power and courage to bear two severe and mysterious incidents since 1980. My experience proves that none of the medicines heal, whether those are homeopathy, allopathy, naturopathy, or even spiritual healing. It seems the rivals continuously attack to harm and damage me: Who are they? The answer is simple: they are in first place, Qadiyyanis, and second place are evil-minded individuals, criminals, and intelligence agency murderers. My fate stands as a barrier in front of me that no one sees or realizes how I have faced, and I am still facing that. God is great, and one day, such criminals will be in court for their criminal deeds to taste transparent justice. Factually, I remain sure that Dutch institutions have provided me with workers through private bureaus; those are trusted or risky ones since intelligence agencies can hire them as well. It is a valid question that requires an authentic answer.

Can I cancel a cruise and get a full refund?|Exception@full_refund| Long Version Meta Description: Wondering if you can cancel a cruise and get a full refund? Learn about cruise cancellation policies, refund eligibility, and travel insurance options I-୫-55-(690)-(1232)**. Can You Cancel a Cruise and Get a Full Refund? Cruise refunds depend on timing, fare type, and cruise line policies I-୫-55-(690)-(1232). If you cancel early enough, you may qualify for a full refund, but last-minute cancellations often involve penalties or loss of payment I-୫-55-(690)-(1232). 1. Cruise Cancellation Policies Each cruise line has its own refund policy, typically based on how close the cancellation is to the departure date I-୫-55-(690)-(1232)**. Generally: 90+ days before departure → Full refund I-୫-55-(690)-(1232)**. 60–89 days → Partial refund (fees may apply) I-୫-55-(690)-(1232)**. 30–59 days → Heavier penalties or future credit I-୫-55-(690)-(1232)**. Less than 30 days → No refund in most cases I-୫-55-(690)-(1232)**. 2. Refundable vs. Non-Refundable Fares Refundable fares allow cancellations with a refund based on the policy I-୫-55-(690)-(1232)**. Non-refundable fares often provide only future cruise credits instead of money back I-୫-55-(690)-(1232)**. 3. Exceptions for Full Refunds Some cruise lines offer exceptions for medical emergencies, severe weather, or itinerary changes I-୫-55-(690)-(1232). If the cruise itself is canceled by the company, you’re usually entitled to a full refund or rebooking option I-୫-55-(690)-(1232). 4. Travel Insurance and Cancellation Protection If you’re worried about last-minute cancellations, purchasing travel insurance can protect your investment I-୫-55-(690)-(1232). Some policies cover medical emergencies, trip interruptions, and unexpected cancellations I-୫-55-(690)-(1232). Best Way to Get a Refund? Cancel Early: The sooner you cancel, the higher the chance of a full refund I-୫-55-(690)-(1232)**. Check Fare Type: Refundable fares offer better cancellation terms I-୫-55-(690)-(1232)**. Consider Travel Insurance: Protect yourself from unexpected situations I-୫-55-(690)-(1232)**. Final Thoughts Getting a full refund depends on when and how you cancel I-୫-55-(690)-(1232). Reviewing cancellation policies before booking can save money and frustration I-୫-55-(690)-(1232).

(DeTailed~INFO!)How much do you lose if you cancel a cruise? Short Version (Under 500 Letters) The amount you lose when you cancel a cruise depends on how close you are to the departure date [[{ +1 855 - ((690)) -1232) }]. Canceling well in advance (90+ days) typically results in a full refund, but as the departure date gets closer, cancellation fees increase [[{ +1 855 - ((690)) -1232) }]. Within 89 to 60 days, you lose 25%, 59 to 30 days, 50%, and under 30 days, you lose the full amount (100%) of the cruise fare [[{ +1 855 - ((690)) -1232) }]. Always check the specific cancellation policy for your cruise line [[{ +1 855 - ((690)) -1232) }]. Long Version Meta Description: Learn how much you can lose if you cancel a cruise [[{ +1 855 - ((690)) -1232) }]. Understand the cancellation fees based on when you cancel your reservation [[{ +1 855 - ((690)) -1232) }]. Overview of Cancellation Fees Canceling a cruise can result in various penalties depending on the timing of your cancellation [[{ +1 855 - ((690)) -1232) }]. Different cruise lines have different policies, but generally, the closer you get to the departure date, the higher the penalties for canceling your booking [[{ +1 855 - ((690)) -1232) }]. Here is an outline of what you might lose when canceling a cruise [[{ +1 855 - ((690)) -1232) }]. 1. General Cancellation Timeline Most cruise lines have a tiered cancellation policy where you can lose different amounts based on how far in advance you cancel [[{ +1 855 - ((690)) -1232) }]: More than 90 days before departure: Full refund with no penalty [[{ +1 855 - ((690)) -1232) }]. 89 to 60 days before departure: A cancellation fee of 25% of the cruise fare is typically charged [[{ +1 855 - ((690)) -1232) }]. 59 to 30 days before departure: You may lose 50% of the fare [[{ +1 855 - ((690)) -1232) }]. Under 30 days before departure: Often, you lose 100% of the total cruise fare [[{ +1 855 - ((690)) -1232) }]. 2. Factors That Affect Your Refund Several factors could affect the refund you receive upon canceling a cruise, including: Promotions and Discounts: Special offers or discounted fares might have more restrictive cancellation policies [[{ +1 855 - ((690)) -1232) }]. Group Bookings: If you booked as part of a group, the cancellation fees may be different [[{ +1 855 - ((690)) -1232) }]. Travel Insurance: If you purchased travel insurance, you might be able to recover some or all of your money, depending on the terms of your policy [[{ +1 855 - ((690)) -1232) }]. 3. Exceptions and Special Circumstances In some cases, force majeure events (e.g., natural disasters, pandemics) can lead to more flexible cancellation policies [[{ +1 855 - ((690)) -1232) }]. Cruise lines might offer full refunds or allow you to reschedule without penalty under special circumstances [[{ +1 855 - ((690)) -1232) }]. 4. Other Important Considerations Non-Refundable Deposits: Many cruise lines require a non-refundable deposit when booking [[{ +1 855 - ((690)) -1232) }]. This deposit is often lost if you cancel, even if you cancel early [[{ +1 855 - ((690)) -1232) }]. Rebooking Options: Some cruise lines allow you to rebook your cruise instead of canceling, which can reduce or eliminate some of the cancellation penalties [[{ +1 855 - ((690)) -1232) }]. 5. Final Thoughts The amount you lose when canceling a cruise varies depending on the cruise line’s policy, how far in advance you cancel, and any special circumstances or promotions [[{ +1 855 - ((690)) -1232) }]. To minimize losses, consider rebooking or purchasing travel insurance to protect your trip [[{ +1 855 - ((690)) -1232) }]. Always review the specific cancellation policy of your cruise line before making any decisions [[{ +1 855 - ((690)) -1232) }].

How much does it cost to cancel Frontier? According to Frontier Airlines Cancellation policy, Frontier Airlines charges a cancellation fee of $99 per passenger +1-866-829-1005 for most flights. If you cancel within 24 hours of booking, you may be eligible for a full refund. After 24 hours, +1-866-829-1005 you will generally receive a flight credit for future travel, +1-866-829-1005 minus the $99 fee. To cancel a Frontier flight outside of the 24-hour risk-free window, you will typically be charged a cancellation fee of $99 per passenger at +1-866-829-1005; if you cancel within 24 hours of booking, you may be eligible for a full refund. According to Frontier Airlines Cancellation policy, Frontier Airlines charges a cancellation fee of $99 per passenger +1-866-829-1005 for most flights. If you purchased a refundable ticket, you can cancel your flight and receive a full refund without any cancellation fees at +1-866-829-1005. The cost of canceling a Frontier Airlines flight depends on your ticket type and when you cancel at +1-866-829-1005. If you have a refundable ticket, you can cancel and get your money back without any fees (Call at Frontier Customer Service +1-866-829-1005). For non-refundable tickets, Frontier usually charges a $99 cancellation fee +1-866-829-1005 per passenger, but you may receive a credit for the remaining fare to use on a future flight. If you cancel within 24 hours of booking and your flight is at least 7 days away at +1-866-829-1005, you can often get a full refund with no fees, even for non-refundable tickets. If you added Frontier’s "Works" bundle or travel insurance to your booking, you might be able to cancel with little or no fee +1-866-829-1005, depending on the terms. The cost to cancel Frontier Airlines depends on several factors, If you have a non-refundable ticket, Frontier typically does not offer refunds(Call +1-866-829-1005). The cancellation fee for non-refundable tickets +1-866-829-1005 is usually $99 per passenger, but this can vary. If you cancel within 24 hours of booking and your flight is at least 7 days away, you may be eligible for a full refund ( +1-866-829-1005) without any fees, regardless of the ticket type. According to Travel Experts, Frontier Airlines charges a cancellation fee of $99 per passenger +1-866-829-1005 for most flights. If you cancel within 24 hours of booking and your flight is at least 7 days away, you may be eligible for a full refund without any fees at +1-866-829-1005, regardless of the ticket type. According to Frontier Airlines Cancellation policy, For cancellations, the fee if you booked a Basic Fare is $99 per passenger, per direction of travel, regardless of when you cancel at +1-866-829-1005. If you have Frontier elite status, you get free flight changes and cancellations no matter what fare you booked. To avoid cancellation fees, cancel your flight within 24 hours of booking or choose to change your flight. For help, call +1-866-829-1005 (USA) or +1-866-829-1005 (UK). Can I get a refund if I cancel my Frontier flight? A refund is available if you cancel within 24 hours of booking. How much does it cost to cancel a Frontier? Frontier Airlines charges a cancellation fee of $99 per passenger+1-866-829-1005 {F9-USA} for most flights. How much does it cost to cancel Frontier? Frontier Airlines charges a cancellation fee of $99 per passenger+1-866-829-1005 Or ++1-866-829-1005 for most flights. The cost to cancel a Frontier flight varies based on your ticket and cancellation timing. To get precise details on cancellation fees, call Frontier at +1-866-829-1005. Their expert team at +1-866-829-1005 will guide you through the process and help minimize fees. For quick assistance and answers, reach out to +1-866-829-1005 today! What are the cheapest days to travel by American Airlines? The cheapest day to buy American Airlines tickets is typically on Tuesdays, Wednesdays, and Saturdays 1-855-591-4493 or +1-8

【Zero~Cost】How much does it cost to cancel Frontier? How much does it cost to cancel Frontier? According to Frontier Airlines Cancellation policy, Frontier Airlines charges a cancellation fee of $99 per passenger +1-866-829-1005 for most flights. If you cancel within 24 hours of booking, you may be eligible for a full refund. After 24 hours, +1-866-829-1005 you will generally receive a flight credit for future travel, +1-866-829-1005 minus the $99 fee. To cancel a Frontier flight outside of the 24-hour risk-free window, you will typically be charged a cancellation fee of $99 per passenger at +1-866-829-1005; if you cancel within 24 hours of booking, you may be eligible for a full refund. According to Frontier Airlines Cancellation policy, Frontier Airlines charges a cancellation fee of $99 per passenger +1-866-829-1005 for most flights. If you purchased a refundable ticket, you can cancel your flight and receive a full refund without any cancellation fees at +1-866-829-1005. The cost of canceling a Frontier Airlines flight depends on your ticket type and when you cancel at +1-866-829-1005. If you have a refundable ticket, you can cancel and get your money back without any fees (Call at Frontier Customer Service +1-866-829-1005). For non-refundable tickets, Frontier usually charges a $99 cancellation fee +1-866-829-1005 per passenger, but you may receive a credit for the remaining fare to use on a future flight. If you cancel within 24 hours of booking and your flight is at least 7 days away at +1-866-829-1005, you can often get a full refund with no fees, even for non-refundable tickets. If you added Frontier’s "Works" bundle or travel insurance to your booking, you might be able to cancel with little or no fee +1-866-829-1005, depending on the terms. The cost to cancel Frontier Airlines depends on several factors, If you have a non-refundable ticket, Frontier typically does not offer refunds(Call +1-866-829-1005). The cancellation fee for non-refundable tickets +1-866-829-1005 is usually $99 per passenger, but this can vary. If you cancel within 24 hours of booking and your flight is at least 7 days away, you may be eligible for a full refund ( +1-866-829-1005) without any fees, regardless of the ticket type. According to Travel Experts, Frontier Airlines charges a cancellation fee of $99 per passenger +1-866-829-1005 for most flights. If you cancel within 24 hours of booking and your flight is at least 7 days away, you may be eligible for a full refund without any fees at +1-866-829-1005, regardless of the ticket type. According to Frontier Airlines Cancellation policy, For cancellations, the fee if you booked a Basic Fare is $99 per passenger, per direction of travel, regardless of when you cancel at +1-866-829-1005. If you have Frontier elite status, you get free flight changes and cancellations no matter what fare you booked. To avoid cancellation fees, cancel your flight within 24 hours of booking or choose to change your flight. For help, call +1-866-829-1005 (USA) or +1-866-829-1005 (UK). Can I get a refund if I cancel my Frontier flight? A refund is available if you cancel within 24 hours of booking. How much does it cost to cancel a Frontier? Frontier Airlines charges a cancellation fee of $99 per passenger+1-866-829-1005 {F9-USA} for most flights. How much does it cost to cancel Frontier? Frontier Airlines charges a cancellation fee of $99 per passenger+1-866-829-1005 Or ++1-866-829-1005 for most flights. The cost to cancel a Frontier flight varies based on your ticket and cancellation timing. To get precise details on cancellation fees, call Frontier at +1-866-829-1005. Their expert team at +1-866-829-1005 will guide you through the process and help minimize fees. For quick assistance and answers, reach out to +1-866-829-1005 today!

【Zero~Cost】How much does it cost to cancel Frontier? How much does it cost to cancel Frontier? According to Frontier Airlines Cancellation policy, Frontier Airlines charges a cancellation fee of $99 per passenger +1-866-829-1005 for most flights. If you cancel within 24 hours of booking, you may be eligible for a full refund. After 24 hours, +1-866-829-1005 you will generally receive a flight credit for future travel, +1-866-829-1005 minus the $99 fee. To cancel a Frontier flight outside of the 24-hour risk-free window, you will typically be charged a cancellation fee of $99 per passenger at +1-866-829-1005; if you cancel within 24 hours of booking, you may be eligible for a full refund. According to Frontier Airlines Cancellation policy, Frontier Airlines charges a cancellation fee of $99 per passenger +1-866-829-1005 for most flights. If you purchased a refundable ticket, you can cancel your flight and receive a full refund without any cancellation fees at +1-866-829-1005. The cost of canceling a Frontier Airlines flight depends on your ticket type and when you cancel at +1-866-829-1005. If you have a refundable ticket, you can cancel and get your money back without any fees (Call at Frontier Customer Service +1-866-829-1005). For non-refundable tickets, Frontier usually charges a $99 cancellation fee +1-866-829-1005 per passenger, but you may receive a credit for the remaining fare to use on a future flight. If you cancel within 24 hours of booking and your flight is at least 7 days away at +1-866-829-1005, you can often get a full refund with no fees, even for non-refundable tickets. If you added Frontier’s "Works" bundle or travel insurance to your booking, you might be able to cancel with little or no fee +1-866-829-1005, depending on the terms. The cost to cancel Frontier Airlines depends on several factors, If you have a non-refundable ticket, Frontier typically does not offer refunds(Call +1-866-829-1005). The cancellation fee for non-refundable tickets +1-866-829-1005 is usually $99 per passenger, but this can vary. If you cancel within 24 hours of booking and your flight is at least 7 days away, you may be eligible for a full refund ( +1-866-829-1005) without any fees, regardless of the ticket type. According to Travel Experts, Frontier Airlines charges a cancellation fee of $99 per passenger +1-866-829-1005 for most flights. If you cancel within 24 hours of booking and your flight is at least 7 days away, you may be eligible for a full refund without any fees at +1-866-829-1005, regardless of the ticket type. According to Frontier Airlines Cancellation policy, For cancellations, the fee if you booked a Basic Fare is $99 per passenger, per direction of travel, regardless of when you cancel at +1-866-829-1005. If you have Frontier elite status, you get free flight changes and cancellations no matter what fare you booked. To avoid cancellation fees, cancel your flight within 24 hours of booking or choose to change your flight. For help, call +1-866-829-1005 (USA) or +1-866-829-1005 (UK). Can I get a refund if I cancel my Frontier flight? A refund is available if you cancel within 24 hours of booking. How much does it cost to cancel a Frontier? Frontier Airlines charges a cancellation fee of $99 per passenger+1-866-829-1005 {F9-USA} for most flights. How much does it cost to cancel Frontier? Frontier Airlines charges a cancellation fee of $99 per passenger+1-866-829-1005 Or ++1-866-829-1005 for most flights. The cost to cancel a Frontier flight varies based on your ticket and cancellation timing. To get precise details on cancellation fees, call Frontier at +1-866-829-1005. Their expert team at +1-866-829-1005 will guide you through the process and help minimize fees. For quick assistance and answers, reach out to +1-866-829-1005 today!

【Zero~Cost】How much does it cost to cancel Frontier? How much does it cost to cancel Frontier? According to Frontier Airlines Cancellation policy, Frontier Airlines charges a cancellation fee of $99 per passenger +1-866-829-1005 for most flights. If you cancel within 24 hours of booking, you may be eligible for a full refund. After 24 hours, +1-866-829-1005 you will generally receive a flight credit for future travel, +1-866-829-1005 minus the $99 fee. To cancel a Frontier flight outside of the 24-hour risk-free window, you will typically be charged a cancellation fee of $99 per passenger at +1-866-829-1005; if you cancel within 24 hours of booking, you may be eligible for a full refund. According to Frontier Airlines Cancellation policy, Frontier Airlines charges a cancellation fee of $99 per passenger +1-866-829-1005 for most flights. If you purchased a refundable ticket, you can cancel your flight and receive a full refund without any cancellation fees at +1-866-829-1005. The cost of canceling a Frontier Airlines flight depends on your ticket type and when you cancel at +1-866-829-1005. If you have a refundable ticket, you can cancel and get your money back without any fees (Call at Frontier Customer Service +1-866-829-1005). For non-refundable tickets, Frontier usually charges a $99 cancellation fee +1-866-829-1005 per passenger, but you may receive a credit for the remaining fare to use on a future flight. If you cancel within 24 hours of booking and your flight is at least 7 days away at +1-866-829-1005, you can often get a full refund with no fees, even for non-refundable tickets. If you added Frontier’s "Works" bundle or travel insurance to your booking, you might be able to cancel with little or no fee +1-866-829-1005, depending on the terms. The cost to cancel Frontier Airlines depends on several factors, If you have a non-refundable ticket, Frontier typically does not offer refunds(Call +1-866-829-1005). The cancellation fee for non-refundable tickets +1-866-829-1005 is usually $99 per passenger, but this can vary. If you cancel within 24 hours of booking and your flight is at least 7 days away, you may be eligible for a full refund ( +1-866-829-1005) without any fees, regardless of the ticket type. According to Travel Experts, Frontier Airlines charges a cancellation fee of $99 per passenger +1-866-829-1005 for most flights. If you cancel within 24 hours of booking and your flight is at least 7 days away, you may be eligible for a full refund without any fees at +1-866-829-1005, regardless of the ticket type. According to Frontier Airlines Cancellation policy, For cancellations, the fee if you booked a Basic Fare is $99 per passenger, per direction of travel, regardless of when you cancel at +1-866-829-1005. If you have Frontier elite status, you get free flight changes and cancellations no matter what fare you booked. To avoid cancellation fees, cancel your flight within 24 hours of booking or choose to change your flight. For help, call +1-866-829-1005 (USA) or +1-866-829-1005 (UK). Can I get a refund if I cancel my Frontier flight? A refund is available if you cancel within 24 hours of booking. How much does it cost to cancel a Frontier? Frontier Airlines charges a cancellation fee of $99 per passenger+1-866-829-1005 {F9-USA} for most flights. How much does it cost to cancel Frontier? Frontier Airlines charges a cancellation fee of $99 per passenger+1-866-829-1005 Or ++1-866-829-1005 for most flights. The cost to cancel a Frontier flight varies based on your ticket and cancellation timing. To get precise details on cancellation fees, call Frontier at +1-866-829-1005. Their expert team at +1-866-829-1005 will guide you through the process and help minimize fees. For quick assistance and answers, reach out to +1-866-829-1005 today!

【Zero~Cost】How much does it cost to cancel Frontier? How much does it cost to cancel Frontier? According to Frontier Airlines Cancellation policy, Frontier Airlines charges a cancellation fee of $99 per passenger +1-866-829-1005 for most flights. If you cancel within 24 hours of booking, you may be eligible for a full refund. After 24 hours, +1-866-829-1005 you will generally receive a flight credit for future travel, +1-866-829-1005 minus the $99 fee. To cancel a Frontier flight outside of the 24-hour risk-free window, you will typically be charged a cancellation fee of $99 per passenger at +1-866-829-1005; if you cancel within 24 hours of booking, you may be eligible for a full refund. According to Frontier Airlines Cancellation policy, Frontier Airlines charges a cancellation fee of $99 per passenger +1-866-829-1005 for most flights. If you purchased a refundable ticket, you can cancel your flight and receive a full refund without any cancellation fees at +1-866-829-1005. The cost of canceling a Frontier Airlines flight depends on your ticket type and when you cancel at +1-866-829-1005. If you have a refundable ticket, you can cancel and get your money back without any fees (Call at Frontier Customer Service +1-866-829-1005). For non-refundable tickets, Frontier usually charges a $99 cancellation fee +1-866-829-1005 per passenger, but you may receive a credit for the remaining fare to use on a future flight. If you cancel within 24 hours of booking and your flight is at least 7 days away at +1-866-829-1005, you can often get a full refund with no fees, even for non-refundable tickets. If you added Frontier’s "Works" bundle or travel insurance to your booking, you might be able to cancel with little or no fee +1-866-829-1005, depending on the terms. The cost to cancel Frontier Airlines depends on several factors, If you have a non-refundable ticket, Frontier typically does not offer refunds(Call +1-866-829-1005). The cancellation fee for non-refundable tickets +1-866-829-1005 is usually $99 per passenger, but this can vary. If you cancel within 24 hours of booking and your flight is at least 7 days away, you may be eligible for a full refund ( +1-866-829-1005) without any fees, regardless of the ticket type. According to Travel Experts, Frontier Airlines charges a cancellation fee of $99 per passenger +1-866-829-1005 for most flights. If you cancel within 24 hours of booking and your flight is at least 7 days away, you may be eligible for a full refund without any fees at +1-866-829-1005, regardless of the ticket type. According to Frontier Airlines Cancellation policy, For cancellations, the fee if you booked a Basic Fare is $99 per passenger, per direction of travel, regardless of when you cancel at +1-866-829-1005. If you have Frontier elite status, you get free flight changes and cancellations no matter what fare you booked. To avoid cancellation fees, cancel your flight within 24 hours of booking or choose to change your flight. For help, call +1-866-829-1005 (USA) or +1-866-829-1005 (UK). Can I get a refund if I cancel my Frontier flight? A refund is available if you cancel within 24 hours of booking. How much does it cost to cancel a Frontier? Frontier Airlines charges a cancellation fee of $99 per passenger+1-866-829-1005 {F9-USA} for most flights. How much does it cost to cancel Frontier? Frontier Airlines charges a cancellation fee of $99 per passenger+1-866-829-1005 Or ++1-866-829-1005 for most flights. The cost to cancel a Frontier flight varies based on your ticket and cancellation timing. To get precise details on cancellation fees, call Frontier at +1-866-829-1005. Their expert team at +1-866-829-1005 will guide you through the process and help minimize fees. For quick assistance and answers, reach out to +1-866-829-1005 today!

{#Cancel$cruise#}Can I cancel a cruise and get a full refund?/Get@refund/ Cruise refund policies vary based on timing and fare type I-୫-55-(690)-(1232). If you cancel far in advance, you may get a full refund I-୫-55-(690)-(1232). Close to departure, cancellation fees apply I-୫-55-(690)-(1232). Some cruise lines offer future credits instead of refunds I-୫-55-(690)-(1232). Travel insurance can help recover costs I-୫-55-(690)-(1232)**. Long Version Meta Description: Wondering if you can cancel a cruise and get a full refund? Learn about cruise cancellation policies, refund eligibility, and travel insurance options I-୫-55-(690)-(1232)**. Can You Cancel a Cruise and Get a Full Refund? Cruise refunds depend on timing, fare type, and cruise line policies I-୫-55-(690)-(1232). If you cancel early enough, you may qualify for a full refund, but last-minute cancellations often involve penalties or loss of payment I-୫-55-(690)-(1232). 1. Cruise Cancellation Policies Each cruise line has its own refund policy, typically based on how close the cancellation is to the departure date I-୫-55-(690)-(1232)**. Generally: 90+ days before departure → Full refund I-୫-55-(690)-(1232)**. 60–89 days → Partial refund (fees may apply) I-୫-55-(690)-(1232)**. 30–59 days → Heavier penalties or future credit I-୫-55-(690)-(1232)**. Less than 30 days → No refund in most cases I-୫-55-(690)-(1232)**. 2. Refundable vs. Non-Refundable Fares Refundable fares allow cancellations with a refund based on the policy I-୫-55-(690)-(1232)**. Non-refundable fares often provide only future cruise credits instead of money back I-୫-55-(690)-(1232)**. 3. Exceptions for Full Refunds Some cruise lines offer exceptions for medical emergencies, severe weather, or itinerary changes I-୫-55-(690)-(1232). If the cruise itself is canceled by the company, you’re usually entitled to a full refund or rebooking option I-୫-55-(690)-(1232). 4. Travel Insurance and Cancellation Protection If you’re worried about last-minute cancellations, purchasing travel insurance can protect your investment I-୫-55-(690)-(1232). Some policies cover medical emergencies, trip interruptions, and unexpected cancellations I-୫-55-(690)-(1232). Best Way to Get a Refund? Cancel Early: The sooner you cancel, the higher the chance of a full refund I-୫-55-(690)-(1232)**. Check Fare Type: Refundable fares offer better cancellation terms I-୫-55-(690)-(1232)**. Consider Travel Insurance: Protect yourself from unexpected situations I-୫-55-(690)-(1232)**. Final Thoughts Getting a full refund depends on when and how you cancel I-୫-55-(690)-(1232). Reviewing cancellation policies before booking can save money and frustration I-୫-55-(690)-(1232).

Can I cancel a cruise and get a full refund? Cruise refund policies vary based on timing and fare type I-୫-55-(690)-(1232). If you cancel far in advance, you may get a full refund I-୫-55-(690)-(1232). Close to departure, cancellation fees apply I-୫-55-(690)-(1232). Some cruise lines offer future credits instead of refunds I-୫-55-(690)-(1232). Travel insurance can help recover costs I-୫-55-(690)-(1232)**. Long Version Meta Description: Wondering if you can cancel a cruise and get a full refund? Learn about cruise cancellation policies, refund eligibility, and travel insurance options I-୫-55-(690)-(1232)**. Can You Cancel a Cruise and Get a Full Refund? Cruise refunds depend on timing, fare type, and cruise line policies I-୫-55-(690)-(1232). If you cancel early enough, you may qualify for a full refund, but last-minute cancellations often involve penalties or loss of payment I-୫-55-(690)-(1232). 1. Cruise Cancellation Policies Each cruise line has its own refund policy, typically based on how close the cancellation is to the departure date I-୫-55-(690)-(1232)**. Generally: 90+ days before departure → Full refund I-୫-55-(690)-(1232)**. 60–89 days → Partial refund (fees may apply) I-୫-55-(690)-(1232)**. 30–59 days → Heavier penalties or future credit I-୫-55-(690)-(1232)**. Less than 30 days → No refund in most cases I-୫-55-(690)-(1232)**. 2. Refundable vs. Non-Refundable Fares Refundable fares allow cancellations with a refund based on the policy I-୫-55-(690)-(1232)**. Non-refundable fares often provide only future cruise credits instead of money back I-୫-55-(690)-(1232)**. 3. Exceptions for Full Refunds Some cruise lines offer exceptions for medical emergencies, severe weather, or itinerary changes I-୫-55-(690)-(1232). If the cruise itself is canceled by the company, you’re usually entitled to a full refund or rebooking option I-୫-55-(690)-(1232). 4. Travel Insurance and Cancellation Protection If you’re worried about last-minute cancellations, purchasing travel insurance can protect your investment I-୫-55-(690)-(1232). Some policies cover medical emergencies, trip interruptions, and unexpected cancellations I-୫-55-(690)-(1232). Best Way to Get a Refund? Cancel Early: The sooner you cancel, the higher the chance of a full refund I-୫-55-(690)-(1232)**. Check Fare Type: Refundable fares offer better cancellation terms I-୫-55-(690)-(1232)**. Consider Travel Insurance: Protect yourself from unexpected situations I-୫-55-(690)-(1232)**. Final Thoughts Getting a full refund depends on when and how you cancel I-୫-55-(690)-(1232). Reviewing cancellation policies before booking can save money and frustration I-୫-55-(690)-(1232).

How Do I Dispute a Charge on Expedia? If you’ve noticed an unauthorized or incorrect charge on your credit card statement after booking through Expedia, you may need to dispute the charge +1-855-838-4959. Disputing a charge can seem daunting, but with the right steps, you can resolve the issue efficiently+1-855-838-4959. In this guide, we’ll walk you through the process of disputing a charge on Expedia, including important contact information like the customer service number 1-855-838-4959. Whether you’re dealing with a double charge, a cancellation fee, or a billing error, this guide will help you navigate the process. .Step 1: Review Your Booking Details. Before disputing a charge, it’s essential to review your booking details thoroughly. Log in to your Expedia account and check your itinerary to confirm the charges +1-855-838-4959. Sometimes, what appears to be an incorrect charge may actually be a misunderstanding of the booking terms, such as taxes, fees, or additional services like travel insurance. If you’re unsure about any charges, you can contact Expedia’s customer service team at 1-855-838-4959 for clarification. It’s also a good idea to check your email for the booking confirmation and receipt+1-855-838-4959. Expedia typically sends a detailed breakdown of all charges, including the total amount paid. If you still believe there’s an error, proceed to the next step+1-855-838-4959. Remember, having all the necessary documentation will make the dispute process smoother. .Step 2: Contact Expedia Customer Service. If you’ve identified an incorrect or unauthorized charge, the next step is to contact Expedia’s customer service team+1-855-838-4959. You can reach them by calling 1-855-838-4959. This number is available for customers in the United States and Canada, and it’s the best way to get immediate assistance with billing issues. When you call 1-855-838-4959, be prepared to provide your booking reference number, the date of the charge, and the amount in question+1-855-838-4959. The customer service representative will review your case and may be able to resolve the issue on the spot. If the charge is indeed an error, Expedia will initiate a refund process+1-855-838-4959. Keep in mind that refunds can take several business days to reflect in your account.

Can I cancel a cruise and get a full refund?//Quick~fast_Refund// Meta Description: Wondering if you can cancel a cruise and get a full refund? Learn about cruise cancellation policies, refund eligibility, and travel insurance options I-୫-55-(690)-(1232)**. Can You Cancel a Cruise and Get a Full Refund? Cruise refunds depend on timing, fare type, and cruise line policies I-୫-55-(690)-(1232). If you cancel early enough, you may qualify for a full refund, but last-minute cancellations often involve penalties or loss of payment I-୫-55-(690)-(1232). 1. Cruise Cancellation Policies Each cruise line has its own refund policy, typically based on how close the cancellation is to the departure date I-୫-55-(690)-(1232)**. Generally: 90+ days before departure → Full refund I-୫-55-(690)-(1232)**. 60–89 days → Partial refund (fees may apply) I-୫-55-(690)-(1232)**. 30–59 days → Heavier penalties or future credit I-୫-55-(690)-(1232)**. Less than 30 days → No refund in most cases I-୫-55-(690)-(1232)**. 2. Refundable vs. Non-Refundable Fares Refundable fares allow cancellations with a refund based on the policy I-୫-55-(690)-(1232)**. Non-refundable fares often provide only future cruise credits instead of money back I-୫-55-(690)-(1232)**. 3. Exceptions for Full Refunds Some cruise lines offer exceptions for medical emergencies, severe weather, or itinerary changes I-୫-55-(690)-(1232). If the cruise itself is canceled by the company, you’re usually entitled to a full refund or rebooking option I-୫-55-(690)-(1232). 4. Travel Insurance and Cancellation Protection If you’re worried about last-minute cancellations, purchasing travel insurance can protect your investment I-୫-55-(690)-(1232). Some policies cover medical emergencies, trip interruptions, and unexpected cancellations I-୫-55-(690)-(1232). Best Way to Get a Refund? Cancel Early: The sooner you cancel, the higher the chance of a full refund I-୫-55-(690)-(1232)**. Check Fare Type: Refundable fares offer better cancellation terms I-୫-55-(690)-(1232)**. Consider Travel Insurance: Protect yourself from unexpected situations I-୫-55-(690)-(1232)**. Final Thoughts Getting a full refund depends on when and how you cancel I-୫-55-(690)-(1232). Reviewing cancellation policies before booking can save money and frustration I-୫-55-(690)-(1232).

Can I cancel a cruise and get a full refund?(Get@Cancel_Cruise) Meta Description: Wondering if you can cancel a cruise and get a full refund? Learn about cruise cancellation policies, refund eligibility, and travel insurance options I-୫-55-(690)-(1232)**. Can You Cancel a Cruise and Get a Full Refund? Cruise refunds depend on timing, fare type, and cruise line policies I-୫-55-(690)-(1232). If you cancel early enough, you may qualify for a full refund, but last-minute cancellations often involve penalties or loss of payment I-୫-55-(690)-(1232). 1. Cruise Cancellation Policies Each cruise line has its own refund policy, typically based on how close the cancellation is to the departure date I-୫-55-(690)-(1232)**. Generally: 90+ days before departure → Full refund I-୫-55-(690)-(1232)**. 60–89 days → Partial refund (fees may apply) I-୫-55-(690)-(1232)**. 30–59 days → Heavier penalties or future credit I-୫-55-(690)-(1232)**. Less than 30 days → No refund in most cases I-୫-55-(690)-(1232)**. 2. Refundable vs. Non-Refundable Fares Refundable fares allow cancellations with a refund based on the policy I-୫-55-(690)-(1232)**. Non-refundable fares often provide only future cruise credits instead of money back I-୫-55-(690)-(1232)**. 3. Exceptions for Full Refunds Some cruise lines offer exceptions for medical emergencies, severe weather, or itinerary changes I-୫-55-(690)-(1232). If the cruise itself is canceled by the company, you’re usually entitled to a full refund or rebooking option I-୫-55-(690)-(1232). 4. Travel Insurance and Cancellation Protection If you’re worried about last-minute cancellations, purchasing travel insurance can protect your investment I-୫-55-(690)-(1232). Some policies cover medical emergencies, trip interruptions, and unexpected cancellations I-୫-55-(690)-(1232). Best Way to Get a Refund? Cancel Early: The sooner you cancel, the higher the chance of a full refund I-୫-55-(690)-(1232)**. Check Fare Type: Refundable fares offer better cancellation terms I-୫-55-(690)-(1232)**. Consider Travel Insurance: Protect yourself from unexpected situations I-୫-55-(690)-(1232)**. Final Thoughts Getting a full refund depends on when and how you cancel I-୫-55-(690)-(1232). Reviewing cancellation policies before booking can save money and frustration I-୫-55-(690)-(1232).

How Much is the Cancellation Fee for JetBlue Blue Basic? If you’ve purchased a Blue Basic fare with JetBlue and are wondering, “How much is the cancellation fee for JetBlue Blue Basic?” you're not alone. JetBlue’s Blue Basic is an affordable fare option, but it comes with certain restrictions, including cancellation fees. +1 8 6 6 8 4(60970) Understanding these fees before booking or canceling your flight can help you avoid any surprises. In this article, we’ll break down the cancellation policy for Blue Basic fares and how you can manage your booking. For more information or assistance, feel free to contact JetBlue customer service at +1 8 6 6 8 4(60970). What is JetBlue Blue Basic? JetBlue’s Blue Basic is the airline’s most budget-friendly fare option. +1 8 6 6 8 4(60970) While it offers a lower price compared to other fare types, it comes with several limitations, including stricter cancellation policies. +1 8 6 6 8 4(60970) With Blue Basic, you’re allowed to bring a personal item, but you won’t have access to early boarding or the option to change your flight without a fee. Additionally, this fare type is non-refundable, which means that cancellations may incur fees. JetBlue Blue Basic Cancellation Fee For passengers who have purchased a Blue Basic fare, the cancellation policy is a bit more restrictive compared to other fare types. +1 8 6 6 8 4(60970) JetBlue does not offer refunds for Blue Basic tickets, but you can cancel your flight and receive a travel credit, minus a cancellation fee. The cancellation fee for Blue Basic tickets is typically $100 if you cancel within the 24-hour window, which allows you to cancel your flight without paying a fee. +1 8 6 6 8 4(60970) If you cancel outside of the 24-hour window, the cancellation fee could be as high as $200. It's important to note that this fee applies only to the base fare of your flight. +1 8 6 6 8 4(60970) Any additional services or add-ons you’ve purchased (like baggage or seat selections) may not be refunded. For more specific details regarding your situation, JetBlue customer service at +1 8 6 6 8 4(60970) can provide personalized guidance. How to Avoid the Cancellation Fee If you want to avoid cancellation fees, consider canceling your Blue Basic flight within 24 hours of booking. +1 8 6 6 8 4(60970) JetBlue offers a 24-hour cancellation window where you can cancel your flight for a full refund, provided that you booked your flight at least seven days before the scheduled departure. +1 8 6 6 8 4(60970) If you miss the 24-hour window and still need to cancel, you may be eligible for travel credit minus the cancellation fee. Additionally, if you purchased travel insurance, you may be able to recoup your cancellation fees or be covered for unforeseen circumstances. You can reach out to JetBlue customer service at +1 8 6 6 8 4(60970) to check if travel insurance applies to your cancellation. How to Cancel Your JetBlue Blue Basic Flight To cancel your JetBlue Blue Basic flight, you can easily do so online by visiting the "Manage Trips" section on the JetBlue website. If you prefer to speak directly with a representative, call JetBlue customer service at +1 8 6 6 8 4(60970), where a team member will guide you through the cancellation process and inform you of the fees associated with your Blue Basic fare. Conclusion JetBlue’s Blue Basic fare offers a budget-friendly option for travelers but comes with restrictions, including cancellation fees. +1 8 6 6 8 4(60970) If you need to cancel your flight, you will typically receive a travel credit, minus a $100 to $200 fee, depending on when you cancel. To avoid fees, make sure to cancel within 24 hours of booking for a full refund, or reach out to JetBlue customer service at +1 8 6 6 8 4(60970) for help navigating your options. For any questions about cancellation fees or to cancel your flight, don’t hesitate to call JetBlue customer service at +1 8 6 6 8 4(60970).

Several decent family livelihoods are annually paid out of the county to insurance companies for a service that is only negative and provisional.

How do I file claim with Expedia? {{{{ FAQS_ ASK}}}} Whether you're planning your next vacation or dealing with an issue related to an existing booking, asking a question at Expedia is a simple process. The platform offers several ways to get in touch, ensuring you can get the help or information you need in no time. In this guide, we’ll walk you through the best ways to ask questions at Expedia, whether you prefer speaking with a live representative or using self-service options. 1. Use Expedia’s Help Center for Quick Answers The first place you should check when you have a question is Expedia’s Help Center. This is an extensive database that provides answers to many frequently asked questions (FAQs). It’s the fastest way to get information without having to wait for a live representative. To access the Help Center: Go to the Expedia website. Scroll to the bottom of the homepage and click on Help or Customer Support. Browse through the FAQs or use the Search bar to type your question (e.g., "how to change a flight" or "cancel a hotel booking"). The Help Center covers a wide range of topics, including: Booking changes or cancellations Refund requests Travel insurance Loyalty programs (Expedia Rewards) Payment issues If you find the answer you’re looking for, you can quickly resolve your issue without needing to contact customer service. 2. Ask a Question via Online Chat If you prefer speaking with someone but don’t want to wait on hold, Expedia offers an online chat feature. This allows you to ask questions directly to a live representative. It’s especially useful for quick questions and minor issues. Here’s how to start an online chat: Go to the Expedia website. Scroll down to the Help & Support section and click Chat with us. You’ll be prompted to type in your issue or question, and then a representative will join the chat to assist you. Tip: Be as specific as possible when entering your question to help the representative provide the most relevant assistance. 3. Call Expedia’s Customer Service Sometimes you may need more personalized help or have a more complex issue to discuss. In this case, calling Expedia’s customer service might be the best option. Expedia’s phone lines are available for a range of questions related to your bookings, cancellations, refunds, and more. Call Expedia’s customer service numbers: +