Side By Side Insurance Quotes

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

Admirable,” Astaroth had once said. “We could stand to learn a few things about ruthless manipulation and one-sided bargains from American healthcare insurers.

Is this blackmail or bribery?" "Neither. It's insurance." "Insurance?" "Yeah. That's twelve cups of coffee. Twelve trips to Grounds. Twelve chances to see you.

Friendship is a real-deal insurance policy against the hurricanes of life—and there’s social-science evidence that the hard stuff seems less difficult with a good friend by your side.

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

He smiled at the sudden image of Prometheus tossing cars from one side of the bridge to the other to build his barrier. He heard the tiny tinkle of glass and wondered if being tossed across the Golden Gate Bridge by an Elder was covered by insurance.

The narcissist has to defend himself against his own premonitions, his internal sempiternal trial, his guilt, shame, and anxiety. One of the more efficacious defense mechanisms at his disposal is false modesty. The narcissist publicly chastises himself for being unworthy, unfit, lacking, not trained and not (formally) schooled, not objective, cognizant of his own shortcomings, and vain. This way, if (or, rather, when) exposed for what he is, he can always say: "But I told you so in the first place, haven't I?" False modesty is, thus, an insurance policy. The narcissist "hedges his bets" by placing a side bet on his own fallibility… Yet another function is to extract Narcissistic Supply from the listener. By contrasting his own self-deprecation with a brilliant, dazzling display of ingenuity, wit, intellect, knowledge, or beauty, the narcissist aims to secure .. protestation from the listener.

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

Information is the currency of the Internet. As a medium, the Internet is brilliantly efficient at shifting information from the hands of those who have it into the hands of those who do not. Often, as in the case of term life insurance prices, the information existed but in a woefully scattered way. (In such instances, the Internet acts like a gigantic horseshoe magnet waved over an endless sea of haystacks, plucking the needle out of each one.) The Internet has accomplished what even the most fervent consumer advocates usually cannot: it has vastly shrunk the gap between the experts and the public.

Nature doesn’t have puts on one side and calls on the other side of the same things, nor does it waste energy betting against the same life it works to cultivate. Nature doesn’t insure high risk gambles by trying to be both the casino and the player. Instead, nature insures capital and profits through a variety of complimentary approaches. At Mayflower-Plymouth we aim to emulate nature in this way with how we approach investing and asset management.

Society never advances. It recedes as fast on one side as it gains on the other. It undergoes continual changes; it is barbarous, it is civilized, it is christianized, it is rich, it is scientific; but this change is not amelioration. For every thing that is given, something is taken. Society acquires new arts, and loses old instincts. What a contrast between the well-clad, reading, writing, thinking American, with a watch, a pencil, and a bill of exchange in his pocket, and the naked New Zealander, whose property is a club, a spear, a mat, and an undivided twentieth of a shed to sleep under! But compare the health of the two men, and you shall see that the white man has lost his aboriginal strength. If the traveller tell us truly, strike the savage with a broad axe, and in a day or two the flesh shall unite and heal as if you struck the blow into soft pitch, and the same blow shall send the white to his grave. The civilized man has built a coach, but has lost the use of his feet. He is supported on crutches, but lacks so much support of muscle. He has a fine Geneva watch, but he fails of the skill to tell the hour by the sun. A Greenwich nautical almanac he has, and so being sure of the information when he wants it, the man in the street does not know a star in the sky. The solstice he does not observe; the equinox he knows as little; and the whole bright calendar of the year is without a dial in his mind. His note-books impair his memory; his libraries overload his wit; the insurance-office increases the number of accidents; and it may be a question whether machinery does not encumber; whether we have not lost by refinement some energy, by a Christianity entrenched in establishments and forms, some vigor of wild virtue. For every Stoic was a Stoic; but in Christendom where is the Christian?

Bear in mind that since medications do not fix anything, they allow the underlying problem to continue uncorrected and actually accelerate. Meanwhile, new symptoms and new seemingly unrelated diseases are the inevitable consequence of this biochemical faux pas. Furthermore, drug side effects are the leading cause of death. NSAIDs as an example of only one group of medications, are fatally toxic to thousands of people each year by damaging joints, lungs, kidneys, eyes, hearts, and intestines. And they are covered by insurance. You and your doctor have been screwed into believing every symptom is a deficiency of some drug or surgery. You've been led to believe you have no control, when in truth you're the one who must take control. Unfortunately, the modus operandi in medicine is to find a drug to turn off the damaged part that is producing symptoms.

I don’t think the people today who start hearing voices, stop eating and sleeping, and run amuck are likely to get good treatment. Having more knowledge, better diagnostic capabilities, better medications with fewer side effects, can’t make up for the fact that most patients are being treated by doctors, therapists, and hospitals, who are operating under constraints and incentives that reward non-treatment, non-hospitalization, non-therapy, non-follow-up, non-care. Lost to follow-up is the best outcome a health insurer can hope for.

I’ve had enough I’m sick of seeing and touching Both sides of things Sick of being the damn bridge for everybody Nobody Can talk to anybody Without me Right? I explain my mother to my father my father to my little sister My little sister to my brother my brother to the white feminists The white feminists to the Black church folks the Black church folks to the ex-hippies the ex-hippies to the Black separatists the Black separatists to the artists the artists to my friends’ parents… Then I’ve got to explain myself To everybody I do more translating Than the Gawdamn U.N. Forget it I’m sick of it. I’m sick of filling in your gaps Sick of being your insurance against the isolation of your self-imposed limitations Sick of being the crazy at your holiday dinners Sick of being the odd one at your Sunday Brunches Sick of being the sole Black friend to 34 individual white people Find another connection to the rest of the world Find something else to make you legitimate Find some other way to be political and hip I will not be the bridge to your womanhood Your manhood Your humanness I’m sick of reminding you not to Close off too tight for too long I’m sick of mediating with your worst self On behalf of your better selves I am sick Of having to remind you To breathe Before you suffocate Your own fool self Forget it Stretch or drown Evolve or die The bridge I must be Is the bridge to my own power I must translate My own fears Mediate My own weaknesses I must be the bridge to nowhere But my true self And then I will be useful

A relationship is NOT a test, DO NOT cheat. A relationship is NOT a political party, ADD NOT a third member. A relationship is NOT a public matter, transparency is NOT necessary. A relationship is NOT a burial sceme, it requires not other insurances on the side "in case" it doesn't pay off. A relationship is NOT a society, take NOT any advice you get because it is advice froma bunch of women. A relationship that lasts is a relationship where people know about y'all but know NOTHING about y'all.

Conservatives argue that this human tendency toward corruption means that unemployment benefits and government health insurance will make the poor lazy, that they will become food stamp gobblers with no incentive to work for themselves. But I side with the poor and powerless since—as we've seen—they have far less ability to destroy all our lives.

God be with us this day…watch over us, insure us against danger; protect us from harm. Be ever at our side to light, to guard, to rule and guide us to safety to our journey’s end.

I’m betting the dark side had good life insurance plans. The dark side always seemed very organized and vaguely Republican.

On Rachel's show for November 7, 2012: Ohio really did go to President Obama last night. and he really did win. And he really was born in Hawaii. And he really is legitimately President of the United States, again. And the Bureau of Labor statistics did not make up a fake unemployment rate last month. And the congressional research service really can find no evidence that cutting taxes on rich people grows the economy. And the polls were not screwed to over-sample Democrats. And Nate Silver was not making up fake projections about the election to make conservatives feel bad; Nate Silver was doing math. And climate change is real. And rape really does cause pregnancy, sometimes. And evolution is a thing. And Benghazi was an attack on us, it was not a scandal by us. And nobody is taking away anyone's guns. And taxes have not gone up. And the deficit is dropping, actually. And Saddam Hussein did not have weapons of mass destruction. And the moon landing was real. And FEMA is not building concentration camps. And you and election observers are not taking over Texas. And moderate reforms of the regulations on the insurance industry and the financial services industry in this country are not the same thing as communism. Listen, last night was a good night for liberals and for democrats for very obvious reasons, but it was also, possibly, a good night for this country as a whole. Because in this country, we have a two-party system in government. And the idea is supposed to be that the two sides both come up with ways to confront and fix the real problems facing our country. They both propose possible solutions to our real problems. And we debate between those possible solutions. And by the process of debate, we pick the best idea. That competition between good ideas from both sides about real problems in the real country should result in our country having better choices, better options, than if only one side is really working on the hard stuff. And if the Republican Party and the conservative movement and the conservative media is stuck in a vacuum-sealed door-locked spin cycle of telling each other what makes them feel good and denying the factual, lived truth of the world, then we are all deprived as a nation of the constructive debate about competing feasible ideas about real problems. Last night the Republicans got shellacked, and they had no idea it was coming. And we saw them in real time, in real humiliating time, not believe it, even as it was happening to them. And unless they are going to secede, they are going to have to pop the factual bubble they have been so happy living inside if they do not want to get shellacked again, and that will be a painful process for them, but it will be good for the whole country, left, right, and center. You guys, we're counting on you. Wake up. There are real problems in the world. There are real, knowable facts in the world. Let's accept those and talk about how we might approach our problems differently. Let's move on from there. If the Republican Party and the conservative movement and conservative media are forced to do that by the humiliation they were dealt last night, we will all be better off as a nation. And in that spirit, congratulations, everyone!

He’s fully aware that old age will be coming for him too, in time. Health troubles, insurance issues, all with no hope of a pension. Even now, in his forties, he has started to feel slightly less trustful of his own body. He takes more care about how he lifts things, and he gets winded sooner on his runs. A long-ago basketball injury tends to set up a kind of echo in his left ankle during sudden changes in the weather.

Ozroth’s chest was tight, and his stomach was starting to feel sour, so he turned and stalked out of the kitchen. Lucifer, why did so many human emotions feel like physical illness? It was a wonder humans didn’t visit the doctor on an hourly basis. Then again, Glimmer Falls was located in America, and news of the horrors of the American medical system had reached even the demon plane. “Admirable,” Astaroth had once said. “We could stand to learn a few things about ruthless manipulation and one-sided bargains from American healthcare insurers.

When the Goldman Sachs saleswoman called Mike Burry and told him that her firm would be happy to sell him credit default swaps in $100 million chunks, Burry guessed, rightly, that Goldman wasn’t ultimately on the other side of his bets. Goldman would never be so stupid as to make huge naked bets that millions of insolvent Americans would repay their home loans. He didn’t know who, or why, or how much, but he knew that some giant corporate entity with a triple-A rating was out there selling credit default swaps on subprime mortgage bonds. Only a triple-A-rated corporation could assume such risk, no money down, and no questions asked. Burry was right about this, too, but it would be three years before he knew it. The party on the other side of his bet against subprime mortgage bonds was the triple-A-rated insurance company AIG—American International Group, Inc.

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

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

Atlas There is a kind of love callend maintenance, Which stores the WD40 and knows when to use it; Which checks the insurance, and doesn't forget The milkman; which remembers to plant bulbs; Which answers letters; which knows the way The money goes; which deals with dentists And Road Fund Tax and meeting trains, And postcards to the lonely; which upholds The permanently rickety elaborate Structures of living; which is Atlas. And maintenance is the sensible side of love, Which knows what time and weather are doing To my brickwork; insulates my faulty wiring; Laughs at my dryrotten jokes; remembers My need for gloss and grouting; which keeps My suspect edifice upright in air, As Atlas did the sky.

On the other side of the gun debate we have those who wish to eliminate all guns. “Guns kill” is the battle cry. If that argument was true, we would have to label cars as “killers” since they take more lives in a year than guns. But the claim is false. There is no question that guns are deadly and were invented for one thing – to kill. But guns don’t think, they don’t plan, they don’t aim, and they don’t pull their own trigger. Guns are just a tool used by an owner to complete a task. Good people use guns for recreation and as insurance against evil. Bad people use guns to commit crimes. How a gun is used is not determined by the gun; it is determined by the holder of the gun. Period. There is nothing else to say on this point.

What was shocking were the rewards my father's cousins had gathered in the intervening couple of decades. They farmed now on thousands of acres, not hundreds. They drove fancy pickup trucks, owned lakefront property and second homes. A simple Internet search offered the truth of where their riches had come from: good ol' Uncle Sam. Recently I clicked again on a database of farm subsidy payments, and found that five of my father's first cousins had been paid, all told, $3 million between 1995 and 2005 - and that on top of whatever they'd earned outright for the sale of their corn and soybeans. They worked hard, certainly. They'd saved and scrimped through the lean years. They were good and honorable yeoman, and now they'd come through to their great reward: a prime place at the trough of the welfare state. All that corn syrup guzzled down the gullets of America's overweight children, all that beef inefficiently fattened on cheap feed, all that ethanol being distilled in heartland refineries: all of it underwritten by as wasteful a government program as now exists this side of the defense industry. In the last ten years, the federal government has paid $131 million in subsidies and disaster insurance in just the county [in Minnesota] where I grew up. Corn is subsidized to keep it cheap, and the subsidies encourage overproduction, which encourages a scramble for ever more ways to use corn, and thus bigger subsidies - the perfect feedback loop of government welfare.

Romantic literature often presents the individual as somebody caught in a struggle against the state and the market. Nothing could be further from the truth. The state and the market are the mother and father of the individual, and the individual can survive only thanks to them. The market provides us with work, insurance and a pension. If we want to study a profession, the government’s schools are there to teach us. If we want to open a business, the bank loans us money. If we want to build a house, a construction company builds it and the bank gives us a mortgage, in some cases subsidised or insured by the state. If violence flares up, the police protect us. If we are sick for a few days, our health insurance takes care of us. If we are debilitated for months, social security steps in. If we need around-the-clock assistance, we can go to the market and hire a nurse – usually some stranger from the other side of the world who takes care of us with the kind of devotion that we no longer expect from our own children. If we have the means, we can spend our golden years at a senior citizens’ home. The tax authorities treat us as individuals, and do not expect us to pay the neighbours’ taxes. The courts, too, see us as individuals, and never punish us for the crimes of our cousins. Not only adult men, but also women and children, are recognised as individuals. Throughout most of history, women were often seen as the property of family or community. Modern states, on the other hand, see women as individuals, enjoying economic and legal rights independently of their family and community. They may hold their own bank accounts, decide whom to marry, and even choose to divorce or live on their own. But the liberation of the individual comes at a cost. Many of us now bewail the loss of strong families and communities and feel alienated and threatened by the power the impersonal state and market wield over our lives. States and markets composed of alienated individuals can intervene in the lives of their members much more easily than states and markets composed of strong families and communities. When neighbours in a high-rise apartment building cannot even agree on how much to pay their janitor, how can we expect them to resist the state? The deal between states, markets and individuals is an uneasy one. The state and the market disagree about their mutual rights and obligations, and individuals complain that both demand too much and provide too little. In many cases individuals are exploited by markets, and states employ their armies, police forces and bureaucracies to persecute individuals instead of defending them. Yet it is amazing that this deal works at all – however imperfectly. For it breaches countless generations of human social arrangements. Millions of years of evolution have designed us to live and think as community members. Within a mere two centuries we have become alienated individuals. Nothing testifies better to the awesome power of culture.

right arm got wrecked in a fireworks calamity, of all things. He was setting some off for a big display and part of the metal rig that they were resting on had a loose bolt or something, and the whole thing came down and crushed his arm. He can’t use it much and it looks a bit weird, kind of twisted to one side. He got some money from the insurance company, and he stopped working at the factory.

default swaps on subprime mortgage bonds. Only a triple-A-rated corporation could assume such risk, no money down, and no questions asked. Burry was right about this, too, but it would be three years before he knew it. The party on the other side of his bet against subprime mortgage bonds was the triple-A-rated insurance company AIG—American International Group, Inc. Or, rather, a unit of AIG called AIG FP. AIG Financial Products was created

The business man who assumes that this life is everything, and the mystic who asserts that it is nothing, fail, on this side and on that, to hit the truth. “Yes, I see, dear; it’s about halfway between,” Aunt Juley had hazarded in earlier years. No; truth, being alive, was not halfway between anything. It was only to be found by continuous excursions into either realm, and though proportion is the final secret, to espouse it at the outset is to insure sterility.

Positive psychologists' more important contribution to the defense of the status qyo has been to assert or "find" that circumstances play only a minor role in determining a person's happiness. ... Indeed, if circumstances play only a small role - even 25 percent - in human happiness, then policy is a marginal exercise. Why advocate for better jobs and schools, safer neighborhoods, universal health insurance, or any other liberal desideratum if these measures will do little to make people happy?

The early estimate matters because it sets an implicit goal for the adjuster in future negotiations with the claimant. The insurance company is also legally obligated to reserve the predicted cost of each claim (i.e., to have enough cash to be able to pay it). Here again, there is a Goldilocks value from the perspective of the company. A settlement is not guaranteed, as there is an attorney for the claimant on the other side, who may choose to go to court if the offer is miserly. On the other hand, an overly generous reserve may allow the adjuster too much latitude to agree to frivolous demands. The adjuster’s judgment is consequential for the company—and even more consequential for the claimant.

Dr. Tuttle explained that there was a way to maximize insurance coverage by prescribing drugs for their side effects, rather than going directly to those whose main purposes were to relieve my symptoms, which were in my case “debilitating fatigue due to emotional weakness, plus insomnia, resulting in soft psychosis and belligerence.” That’s what she told me she was going to write in her notes. She termed her prescribing method “ecoscripting,” and said she was writing a paper on it that would be published soon. “In a journal in Hamburg.” So she gave me pills that targeted migraine headaches, prevented seizures, cured restless leg syndrome, prevented hearing loss. These medicines were supposed to relax me so that I could get some “much-needed rest.

Another example is tamoxifen, which is used for treatment of endocrine responsive breast cancer. Tamoxifen is given to patients postsurgery and dramatically reduces the rate of cancer recurrence. This drug is metabolized by cytochrome P450 2D6, the product of the CYP2D6 gene. Based on their DNA, there are patients with little CYP2D6 activity who are poor metabolizers and others with high activity who are extensive metabolizers. An FDA-approved genetic test exists for finding the variants of the CYP2D6 gene to help guide tamoxifen administration, but the lack of study data demonstrating its role in improving patient outcomes has, to date, led insurance companies to refuse to cover the test. Beyond having ramifications for drug efficacy, genetics also may play a role in the side effects of drugs.

If companies want to benefit from the advantages of social norms, they need to do a better job of cultivating those norms. Medical benefits, and in particular comprehensive medical coverage, are among the best ways a company can express its side of the social exchange. But what are many companies doing? They are demanding high deductibles in their insurance plans, and at the same time are reducing the scope of benefits. Simply put, they are undermining the social contract between the company and the employees and replacing it with market norms. As companies tilt the board, and employees slide from social norms to the realm of market norms, can we blame them for jumping ship when a better offer appears? It's really no surprise that "corporate loyalty," in terms of the loyalty of employees to their companies, has become an oxymoron.

The Blood player could acquire a Rose item, but only by handing over an atrocity, thus leaving himself with less ammunition and the Rose player with more. If he was a skilful player he could attack the Rose side by means of the atrocities in his possession, loot the human achievement, and transfer it to his side of the board. The player who managed to retain the most human achievements by Time’s Up was the winner. With points off, naturally, for achievements destroyed through his own error and folly and cretinous play. The exchange rates – one Mona Lisa equalled Bergen-Belsen, one Armenian genocide equalled the Ninth Symphony plus three Great Pyramids – were suggested, but there was room for haggling. To do this you needed to know the numbers – the total number of corpses for the atrocities, the latest open-market price for the artworks; or, if the artworks had been stolen, the amount paid out by the insurance policy. It was a wicked game.

In other words, money isn’t a material reality – it is a psychological construct. It works by converting matter into mind. But why does it succeed? Why should anyone be willing to exchange a fertile rice paddy for a handful of useless cowry shells? Why are you willing to flip hamburgers, sell health insurance or babysit three obnoxious brats when all you get for your exertions is a few pieces of coloured paper? People are willing to do such things when they trust the figments of their collective imagination. Trust is the raw material from which all types of money are minted. When a wealthy farmer sold his possessions for a sack of cowry shells and travelled with them to another province, he trusted that upon reaching his destination other people would be willing to sell him rice, houses and fields in exchange for the shells. Money is accordingly a system of mutual trust, and not just any system of mutual trust: money is the most universal and most efficient system of mutual trust ever devised. What created this trust was a very complex and long-term network of political, social and economic relations. Why do I believe in the cowry shell or gold coin or dollar bill? Because my neighbours believe in them. And my neighbours believe in them because I believe in them. And we all believe in them because our king believes in them and demands them in taxes, and because our priest believes in them and demands them in tithes. Take a dollar bill and look at it carefully. You will see that it is simply a colourful piece of paper with the signature of the US secretary of the treasury on one side, and the slogan ‘In God We Trust’ on the other. We accept the dollar in payment, because we trust in God and the US secretary of the treasury. The crucial role of trust explains why our financial systems are so tightly bound up with our political, social and ideological systems, why financial crises are often triggered by political developments, and why the stock market can rise or fall depending on the way traders feel on a particular morning.

The state and the market are the mother and father of the individual, and the individual can survive only thanks to them. The market provides us with work, insurance and a pension. If we want to study a profession, the government’s schools are there to teach us. If we want to open a business, the bank loans us money. If we want to build a house, a construction company builds it and the bank gives us a mortgage, in some cases subsidised or insured by the state. If violence flares up, the police protect us. If we are sick for a few days, our health insurance takes care of us. If we are debilitated for months, national social services steps in. If we need around-the-clock assistance, we can go to the market and hire a nurse – usually some stranger from the other side of the world who takes care of us with the kind of devotion that we no longer expect from our own children. If we have the means, we can spend our golden years at a senior citizens’ home. The tax authorities treat us as individuals, and do not expect us to pay the neighbours’ taxes. The courts, too, see us as individuals, and never punish us for the crimes of our cousins.

And then he heard it. A loud crash. The Number 22 bus had pulled away from the stop, and another driver in a car trying to get around to turn had collided into the side of the transit vehicle. Finally, Daryl had the nerve to do what every like-minded criminal in Baltimore knows they must. Run and get on the bus for insurance claims. Get a “suitcase,” as some of the old-timer grifters still called phony neck injuries, marrying the word “suit” as in law with “case” as in court. “Suitcase,” the all-purpose secret word for fraud. Amazingly, his erection still held. It was a little painful going up those first bus steps, but so what, it felt even sexier doing a second scam before he’d completely gotten away with the first one. The lucky few passengers on board were already going into their cries of “whiplash,” holding their necks and moaning out loud. He limped to an empty seat and held his knee as if it had been painfully slammed in the impact. Even the bus driver was faking injuries as he called into his dispatcher to report the accident, exaggerating the speed he had been going to make it sound worse. Daryl knew he was surrounded by fellow swindlers and felt, for the first time, part of a community.

Romantic literature often presents the individual as somebody caught in a struggle against the state and the market. Nothing could be further from the truth. The state and the market are the mother and father of the individual, and the individual can survive only thanks to them. The market provides us with work, insurance and a pension. If we want to study a profession, the government’s schools are there to teach us. If we want to open a business, the bank loans us money. If we want to build a house, a construction company builds it and the bank gives us a mortgage, in some cases subsidised or insured by the state. If violence flares up, the police protect us. If we are sick for a few days, our health insurance takes care of us. If we are debilitated for months, national social services steps in. If we need around-the-clock assistance, we can go to the market and hire a nurse – usually some stranger from the other side of the world who takes care of us with the kind of devotion that we no longer expect from our own children. If we have the means, we can spend our golden years at a senior citizens’ home. The tax authorities treat us as individuals, and do not expect us to pay the neighbours’ taxes. The courts, too, see us as individuals, and never punish us for the crimes of our cousins.

Romantic literature often presents the individual as somebody caught in a struggle against the state and the market. Nothing could be further from the truth. The state and the market are the mother and father of the individual, and the individual can survive only thanks to them. The market provides us with work, insurance and a pension. If we want to study a profession, the government’s schools are there to teach us. If we want to open a business, the bank loans us money. If we want to build a house, a construction company builds it and the bank gives us a mortgage, in some cases subsidised or insured by the state. If violence flares up, the police protect us. If we are sick for a few days, our health insurance takes care of us. If we are debilitated for months, national social services steps in. If we need around-the-clock assistance, we can go to the market and hire a nurse – usually some stranger from the other side of the world who takes care of us with the kind of devotion that we no longer expect from our own children. If we have the means, we can spend our golden years at a senior citizens’ home. The tax authorities treat us as individuals, and do not expect us to pay the neighbours’ taxes. The courts, too, see us as individuals, and never punish us for the crimes of our cousins. Not

If you're involved in a motorcycle accident, this can result in devastating injuries, permanent disability or perhaps put you on on-going dependency on healthcare care. In that case, it's prudent to make use of Los Angeles motorcycle accident attorneys to assist safeguard your legal rights if you are a victim of a motorcycle accident. How a san diego car accident attorney Aids An experienced attorney will help you, if you're an injured motorcycle rider or your family members in case of a fatal motorcycle accident. Hence, a motorcycle accident attorney assists you secure complete and commensurate compensation because of this of accident damages. In the event you go it alone, an insurance coverage company may possibly take benefit and that's why you'll need to have a legal ally by your side till the case is settled to your satisfaction. If well represented after a motorcycle collision, you may get compensation for: Present and future lost income: If just after motor cycle injury you cannot perform and earn as just before, you deserve compensation for lost income. This also applies for a loved ones that has a lost a bread-winner following a fatal motorcycle crash. Existing and future healthcare costs, rehabilitation and therapy: these consist of any health-related fees incurred because of this of the accident. Loss of capability to take pleasure in life, pain and mental anguish: a motorcycle crash can lessen your good quality of life if you cannot stroll, run, see, hear, drive, or ride any longer. That is why specialists in motor cycle injury law practice will help with correct evaluation of your predicament and exercise a commensurate compensation. As a result, usually do not hesitate to speak to Los Angeles motorcycle accident attorneys in case you are involved in a motor cycle accident. The professionals will help you file a case within a timely fashion also as expedite evaluation and compensation. This could also work in your favor if all parties involved agree to an out-of-court settlement, in which case you incur fewer costs.

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

Finally, as I’ve emphasized, there is the level of conscious public policy. A Soviet official issuing a planning document, or an American politician calling for job creation, might not be entirely aware of the likely effects of their action. Still, once a situation is created, even as an unintended side effect, politicians can be expected to size up the larger political implications of that situation when they make up their minds what—if anything—to do about it. Does this mean that members of the political class might actually collude in the maintenance of useless employment? If that seems a daring claim, even conspiracy talk, consider the following quote, from an interview with then US president Barack Obama about some of the reasons why he bucked the preferences of the electorate and insisted on maintaining a private, for-profit health insurance system in America: “I don’t think in ideological terms. I never have,” Obama said, continuing on the health care theme. “Everybody who supports single-payer health care says, ‘Look at all this money we would be saving from insurance and paperwork.’ That represents one million, two million, three million jobs [filled by] people who are working at Blue Cross Blue Shield or Kaiser or other places. What are we doing with them? Where are we employing them?”9 I would encourage the reader to reflect on this passage because it might be considered a smoking gun. What is the president saying here? He acknowledges that millions of jobs in medical insurance companies like Kaiser or Blue Cross are unnecessary. He even acknowledges that a socialized health system would be more efficient than the current market-based system, since it would reduce unnecessary paperwork and reduplication of effort by dozens of competing private firms. But he’s also saying it would be undesirable for that very reason. One motive, he insists, for maintaining the existing market-based system is precisely its inefficiency, since it is better to maintain those millions of basically useless office jobs than to cast about trying to find something else for the paper pushers to do.10 So here is the most powerful man in the world at the time publicly reflecting on his signature legislative achievement—and he is insisting that a major factor in the form that legislature took is the preservation of bullshit jobs.

When Musk took delivery of his F1, CNN was there to cover it. “Just three years ago I was showering at the Y and sleeping on the office floor,” he told the camera sheepishly, “and now obviously, I’ve got a million-dollar car… it’s just a moment in my life.” While other McLaren F1 owners around the world—the sultan of Brunei, Wyclef Jean, and Jay Leno, among others—could comfortably afford it, Musk’s purchase had put a sizable dent in his bank account. And unlike other owners, Musk drove the car to work—and declined to insure it. As Musk drove Thiel up Sand Hill Road in the F1, the car was the subject of their chat. “It was like this Hitchcock movie,” Thiel remembered, “where we’re talking about the car for fifteen minutes. We’re supposed to be preparing for the meeting—and we’re talking about the car.” During their ride, Thiel looked at Musk and reportedly asked, “So, what can this thing do?” “Watch this,” Musk replied, flooring the accelerator and simultaneously initiating a lane change on Sand Hill Road. In retrospect, Musk admitted that he was outmatched by the F1. “I didn’t really know how to drive the car,” he recalled. “There’s no stability systems. No traction control. And the car gets so much power that you can break the wheels free at even fifty miles an hour.” Thiel recalls the car in front of them coming fast into view—then Musk swerving to avoid it. The McLaren hit an embankment, was tossed into the air—“like a discus,” Musk remembered——then slammed violently into the ground. “The people that saw it happen thought we were going to die,” he recalled. Thiel had not worn a seat belt, but astonishingly, neither he nor Musk were hurt. Musk’s “work of art” had not fared as well, having now taken a distinctly cubist turn. Post-near-death experience, Thiel dusted himself off on the side of the road and hitchhiked to the Sequoia offices, where he was joined by Musk a short while later. X.com’s CEO, Bill Harris, was also waiting at the Sequoia office, and he recalled that both Thiel and Musk were late but offered no explanation for their delay. “They never told me,” Harris said. “We just had the meeting.” Reflecting on it, Musk found humor in the experience: “I think it’s safe to say Peter wouldn’t be driving with me again.” Thiel wrung some levity out of the moment, too. “I’d achieved lift-off with Elon,” he joked, “but not in a rocket.

On the other side of the street from the library, sitting in the back of a beat-up Ford F-150 with blacked-out rear windows and cradling a considerably more modern SLR camera was a man who wasn’t really called Mike Lee. He wasn’t an employee of an insurance company called Atlanta Life, either, though he really was from Georgia

An automobile ties up capital with the purchase and entails significant additional annual costs in terms of fuel, parking, insurance, and repairs. Young people with college debts or “gig” jobs may not want the added burden of ownership. Compare the economics. Let’s say the average number of miles driven in a year in the United States is twelve thousand. Owning a car for that year would cost around $7,000, including the proportionate cost of car ownership, fuel, and other operating expenses. Given the average ride-hailing trip, $7,000 would equate to around six hundred separate trips per year, or twelve per week—almost two per day. Of course, on the other side of the ledger, there’s no residual value from Uber or Lyft rides, as there is when selling a used car. And no pride of ownership.

Second, there must be eyes upon the street, eyes belonging to those we might call the natural proprietors of the street. The buildings on a street equipped to handle strangers and to insure the safety of both residents and strangers, must be oriented to the street. They cannot turn their backs or blank sides on it and leave it blind.

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

list of documents that may be required. It can look intimidating, especially if you’ve not been actively involved in your family finances, but don’t panic. If you can’t find all of them or don’t have access, there is a later step in the divorce process called “discovery,” when you can legally compel the other side to provide copies of anything else you need: •Individual income tax returns (federal, state, local) for past three years •Business income tax returns (federal, state, local) for past three years •Proof of your current income (paystubs, statements, or paid invoices) •Proof of spouse’s income (paystubs, statements, or paid invoices) •Checking, savings, and certificate statements (personal and business) for past three years •Credit card and loan statements (personal and business) for past three years •Investment, pension plan, and retirement account statements for past three years •Mortgage statement and loan documents for all properties you have an interest in •Real estate appraisals •Property tax documents •Employment contracts •Benefit statements •Social Security statements •Life, homeowner’s, and auto insurance policies •Wills and trust agreements •Health insurance cards •Vehicle titles and/or registration •Monthly budget worksheet •List of personal property (furnishings, jewelry, electronics, artwork) •List of property acquired by gift or inheritance or owned prior to marriage •Prenuptial agreements •Marriage license •Prior court orders directing payment of child support or spousal support Your attorney or financial advisor may ask for additional documents specific to your case. Some of these may not be applicable to you.

WHAT WAS THAT AD SLOGAN you saw all over? Ellen Pierce wondered. What happens in Vegas stays in Vegas? Ha! Not if you're an agent with the DEA. What happens in Vegas becomes a nightmare of paperwork back in Manhattan. For the third straight day since returning home from Vegas, Ellen was stuck behind the desk of her small office at the DEA's New York Division on the Lower West Side. This part of the job never made an iota of sense to her. Screw up and lose your bad guy, and you only had to file one report. Actually bring him down and you had to file three. It was almost as bad as being a doctor and dealing with insurance companies. The thought had probably come into her head because Ellen had once considered pre-med rather than pre-law at Wake Forest.

Naturally, immunity is a natural physician that fends off all invading bacteria and viruses, whereas food becomes its medicine or trouble since that appears to increase or decrease your immune system; thus, choose the right and healthy food, and adopt this proverb: Eat to be alive, not live to eat. Experienced and qualified doctors understand the side effects of medicines before the prescription. Indeed, the majority of doctors hold a professional degree and certificate, whereas virtually none of them has the latest and accurate knowledge; as a result, it executes no difference between such doctors and a robot. When naturopathy experts and spiritual figures predict with significant certainty that you have no cancer or whatever other sickness, it confuses, surprises, and creates suspicious feelings in your mind, whereas doctors have diagnosed metastatic cancer. What should one believe and what not? However, one’s enemies are still awaiting its death. One breathes, expecting and waiting for the miracle of God; it will soon happen if one believes. You neither feel trust in your family doctor and specialists nor feel satisfaction with their treatment. You always realize that they do not tell the truth about how risky your disease is, and they never discuss it. If doctors fail to meet your sufferings of mucus, shortness of breath, and swallowing difficulties because of medication’s side effects, they will indeed put you on medical victimization, ignoring the better quality of life that the medical system promises. Most doctors work for the insurance companies instead of caring for patients. It is factually a medical crime that doctors, hospitals, or insurance providers put patients at high risk. Many doctors do not respect patients’ requests to fulfill it because patients want treatment according to international medical guidelines. Such refusal results in the spreading of their suffering. It saddens patients that the doctors only think about the insurance provider and not the patient. Indeed, such a situation can put one on the track in a dilemma. However, one’s experience and others may prove that none of the medicines give patients a good quality of life, whether homeopathy, allopathy, naturopathy, or even a spiritual one. If your fate stands as a barrier in front of you, no one sees or realizes what you have faced and is still facing worries about your health. Factually, robot doctors cannot provide significant information that may help to ease patients’ suffering; there is only one way to change lifestyle and stay strict on diet; it will have a better result than medicine, which is full of toxins that damage patients’ health instead of curing it. One can think or predict that the medical world has become a medical trade in which one cannot exclude the medical mafia. Is it a valid context that requires an authentic answer?

MORE THAN SEVEN million people in the Chicago area, something like ten million road vehicles, but only one white truck had been reported stolen in the twenty-four-hour period between Sunday and Monday. It was a white Ford Econoline. Owned and operated by a South Side electrician. His insurance company made him empty the truck at night, and store his stock and tools inside his shop. Anything left inside the truck was not covered. That was the rule. It was an irksome rule, but on Monday morning when the guy came out to load up and the truck was gone, it started to look like a rule which made a whole lot of sense. He had reported the theft to the insurance broker and the police, and he was not expecting to hear much more about it. So he was duly impressed when two FBI agents turned up, forty-eight hours later, asking all kinds of urgent questions.

Steve doesn’t drink much, doesn’t smoke and doesn’t even swear. He runs, he cycles, he plays five-a-side football with people from the large insurance company where he works. He has two comfortably off parents and likes to think of himself as a hands-on dad to his daughters. He is almost completely lacking in a sense of humour. Unfortunately, people like Steve bring out the worst in Neve. The little pursed crease at the corner of his mouth as she sloshes more red wine into a glass, or says, ‘Fuck me, it’s cold,’ only eggs her on.

The Importance of an Accountant for Medical Professionals Medical professionals, including doctors, specialists, and surgeons, often face the challenge of managing both patient care and the financial aspects of their practices. An accountant who specializes in working with medical professionals can alleviate much of this burden. By offering financial expertise tailored to the healthcare industry, accountants help medical professionals maintain the financial health of their practices while ensuring compliance with tax laws and regulations. Unique Financial Challenges in Healthcare Medical professionals face distinct financial challenges that other industries may not encounter. These include managing patient billing, insurance reimbursements, and government payments. Additionally, healthcare professionals often have to handle large expenses for medical equipment and office operations while ensuring they maintain a steady cash flow. With fluctuating income and the need to comply with healthcare regulations, financial management can become complex. A specialized accountant for medical professionals understands these nuances and provides essential support to navigate these challenges effectively. Key Roles of an Accountant for Medical Professionals An accountant plays a critical role in managing the financial side of a medical practice. They assist with bookkeeping, ensuring that all financial records are accurate and up-to-date. Furthermore, they handle tax planning and filing, making sure that healthcare-specific deductions are maximized while ensuring compliance with tax laws. Additionally, accountants offer strategic advice on managing overhead costs, optimizing cash flow, and planning for future financial goals, such as retirement or expanding the practice. Benefits of Hiring a Healthcare-Specific Accountant The benefits of hiring a specialized accountant for medical professionals are numerous. By entrusting financial management to a professional, medical practitioners can focus more on patient care. Specialized accountants understand the unique aspects of healthcare finance, offering tailored solutions that enhance profitability and reduce financial risks. Moreover, they provide peace of mind by ensuring all financial matters are handled efficiently and in compliance with the law. Conclusion In conclusion, medical professionals benefit significantly from hiring an accountant who specializes in healthcare finance. With their expertise, accountants help ensure the smooth operation of the practice while providing strategic financial planning. This allows medical professionals to focus on their primary responsibility—caring for their patients—while maintaining a financially sound practice.

The Importance of Bookkeeping Services for Doctors Managing the financial side of a medical practice can be challenging for doctors, as they are often focused on providing quality patient care. However, maintaining accurate financial records is essential for the success of any healthcare practice. Bookkeeping services tailored specifically for doctors help ensure that their financial transactions are organized, compliant, and manageable, allowing them to focus on what they do best—caring for patients. Why Doctors Need Specialized Bookkeeping Services Doctors face unique financial complexities, such as billing for medical services, managing insurance claims, handling payroll for staff, and keeping track of medical supplies and equipment. Additionally, they must ensure compliance with healthcare regulations and tax laws. Professional bookkeeping services designed for doctors take these unique needs into account, helping physicians streamline their financial operations. As a result, they can avoid errors, reduce administrative burdens, and improve cash flow. Accurate Billing and Cash Flow Management One of the key challenges doctors face is managing billing and cash flow. With a constant flow of patients and complex insurance claims, maintaining an accurate record of all transactions is essential. Bookkeeping services ensure that billing is handled efficiently, minimizing delays in receiving payments. This service also helps manage insurance claims, reducing errors that could lead to delayed reimbursements. By keeping track of revenue and expenses, bookkeepers ensure that doctors maintain a healthy cash flow. Tax Compliance and Planning Doctors often qualify for specific tax deductions related to medical equipment, staff salaries, and office expenses. However, navigating the complexities of healthcare tax regulations can be difficult. Bookkeeping services help doctors stay compliant by keeping their financial records organized and accurate, making it easier to file taxes and take advantage of available deductions. Additionally, bookkeepers can assist in planning for tax obligations throughout the year, ensuring that there are no surprises during tax season. Financial Reporting for Growth Bookkeeping services also provide doctors with valuable financial reports that offer insights into their practice’s performance. By analyzing income, expenses, and cash flow trends, doctors can make more informed decisions about expanding services, hiring staff, or investing in new equipment. These reports give a clear picture of the financial health of the practice, enabling better long-term planning. In conclusion, specialized bookkeeping services for doctors are essential for maintaining accurate financial records, ensuring tax compliance, and improving cash flow. By outsourcing bookkeeping tasks, doctors can focus more on patient care while gaining peace of mind that their financials are in order.

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

The Importance of an Accountant for Doctors Managing the financial side of a medical practice can be challenging for doctors who already have demanding schedules. This is why having a specialized accountant is essential for doctors. A qualified accountant can help doctors efficiently manage their financial records, optimize tax strategies, and ensure the overall financial health of the practice, allowing physicians to concentrate on patient care. Unique Financial Challenges for Doctors Doctors face unique financial challenges that are specific to the healthcare industry. These include managing income from multiple sources, handling billing systems for patient care, dealing with insurance reimbursements, and navigating complex healthcare regulations. Additionally, doctors often need to invest in high-cost medical equipment and balance personal and business financial planning. Without professional guidance, these financial aspects can become overwhelming. Accountants with expertise in the medical field understand these complexities and can offer valuable support. The Role of an Accountant in a Medical Practice A specialized accountant for doctors provides services that go beyond traditional bookkeeping. They help with financial planning, ensuring that the practice’s income and expenses are balanced effectively. Additionally, they manage payroll, tax filing, and compliance with healthcare regulations. Furthermore, an accountant can provide strategic advice on reducing costs and optimizing cash flow, making the practice more efficient and profitable. Doctors also benefit from tax planning services, ensuring that deductions specific to healthcare professionals are maximized while keeping the practice compliant with tax laws. Benefits of Hiring a Specialized Accountant By hiring an accountant who specializes in working with doctors, medical professionals can streamline their financial operations and reduce the risk of costly errors. This partnership allows doctors to focus on patient care, knowing that the financial side of their practice is being handled efficiently. Moreover, an accountant can provide financial insights that help doctors plan for the future, such as retirement planning or business expansion. Conclusion In conclusion, a specialized accountant is invaluable for doctors who want to ensure the financial success of their practice. With expertise in the unique financial challenges doctors face, accountants provide essential services that allow medical professionals to focus on their patients while maintaining a healthy financial standing.

Most schools fulfill this legal obligation by providing services that won’t involve a perpetrator, such as academic accommodations or healing resources. At Western University, victim advocates would broker agreements between survivors and their professors to get extensions on assignments or excused absences. They would also help survivors submit paperwork to receive refunds for classes they dropped or failed due to the strains of their traumatic symptoms. To improve survivors’ mental health, the Counseling Center hosted group therapy for sexual assault survivors and offered one-on-one counseling at a cheaper rate than the insurance co-pay at most private practices. Advocates also had a small fund available to cover survivors’ trauma-related expenses. Overwhelmingly, survivors who received these resources benefited from them. Some called them life-changing. However, few survivors felt comfortable actually using them. Especially more than once.

I feel that the government should uphold the concept that it is there for us, “We the People.” That it does what we alone cannot do. By standing unified and proud, we have strength because of our numbers and the power to do what is right. That we always remain on the right side of history and care for and respect our less fortunate. Now, you may think that I’m just spouting out a lot of patriotic nonsense, which you are entitled to do, however I did serve my country actively in both the Navy and Army for a total of forty years, six months and seven days as a reservist and feel that I have an equal vested interest in these United States. If we don’t like what is happening we have responsible ways and means to change things. We have Constitutional, “First Amendment Rights to Freedom of Speech.” There are many things I would like to see change and there are ways that we can do this. To start with we have to protect our First Amendment Rights and protect the media from government interference…. I also believe in protecting our individual freedom…. I believe in one person, one vote…. Corporations are not people, for one they have no human feelings…. That although our government may be misdirected it is not the enemy…. I want reasonable regulations to protect us from harm…. That we not privatize everything in sight such as prisons, schools, roads, social security, Medicare, libraries etc.….. Entitlements that have been earned should not be tampered with…. That college education should be free or at least reasonable…. That health care becomes free or very reasonable priced for all…. That lobbyist be limited in how they can manipulate our lawmakers…. That people, not corporations or political action committees (PAC’s), can only give limited amounts of money to candidates…. That our taxes be simplified, fair and on a graduated scale without loop holes….That government stays out of our personal lives, unless our actions affect others…. That our government stays out of women’s issues, other than to insure equal rights…. That the law (police) respects all people and treats them with the dignity they deserve…. That we no longer have a death penalty…. That our military observe the Geneva Conventions and never resort to any form of torture…. That the Police, FBI, CIA or other government entities be limited in their actions, and that they never bully or disrespect people that are in their charge or care…. That we never harbor prisoners overseas to avoid their protection by American law…. That everyone, without exception, is equal…. And, in a general way, that we constantly strive for a more perfect Union and consider ourselves members of a greater American family, or at the very least, as guests in our country. As Americans we are better than what we have witnessed lately. The idea that we will go beyond our rights is insane and should be discouraged and outlawed. As a country let us look forward to a bright and productive future, and let us find common ground, pulling in the same direction. We all deserve to feel safe from persecution and/or our enemies. We should also be open minded enough to see what works in other countries. If we are going to “Make America Great Again” we should start by being more civil and kinder to each other. Now this is all just a thought, but it’s a start…. “We’re Still Here!

Neil’s feet were still numb from the frostbite. Long exposure up high, sat waiting in the snow for all those hours at the Balcony, had taken their toll. At base camp, we bandaged them up, kept them warm, and purposefully didn’t discuss the very real prospect of him losing his toes. He didn’t need to be told that he was unlikely ever to feel them again properly. Either way, we realized that the best option for them was to get him proper medical attention and soon. There was no way he was going to be walking anywhere with his feet bandaged up like two white balloons. We needed an air-evacuation. Not the easiest of things in the thin air of Everest’s base camp. The insurance company said that at dawn the next day they would attempt to get him out of there. Weather permitting. But at 17,450 feet we really were on the outer limits of where helicopters could fly. True to their word, at dawn we heard the distant rotors of a helicopter, far beneath us in the valley. A tiny speck against the vast rock walls on either side. In a matter of sixty short minutes, that thing could whisk Neil away to civilization, I thought. Hmm. My goodness, that was a beautiful prospect. Somehow I had to get on that chopper with him. I packed in thirty seconds flat, everything from the past three months. I taped a white cross onto my sleeve, and raced out to where Neil was sat waiting. One chance. What the heck. Neil shook his head at me, smiling. “God, you push it, Bear, don’t you?” he shouted over the noise of the rotors. “You’re going to need a decent medic on the flight,” I replied, with a smile. “And I’m your man.” (There was at least some element of truth in this: I was a medic and I was his buddy--and yes, he did need help. But essentially I was trying to pull a bit of a fast one.) The pilot shouted that two people would be too heavy. “I have to accompany him at all times,” I shouted back over the engine noise. “His feet might fall off at any moment,” I added quietly. The pilot looked back at me, then at the white cross on my sleeve. He agreed to drop Neil somewhere down at a lower altitude, and then come back for me. “Perfect. Go. I’ll be here.” I shook his hand firmly. Let’s just get this done before anyone thinks too much about it, I mumbled to myself.

All merchant ships have load lines painted on both the port and starboard sides amidships. In most cases these markings are welded or etched into the steel plates of the hull to ensure that they not be altered. The allowable freeboard of vessels is measured between the lowest point of the uppermost continuous deck and the waterline. The purpose of the various load lines is to show the amount of freeboard the ship must have under various conditions. These load lines make it obvious for anyone to see if a ship has been overloaded. The waterline or load line is calculated and verified by a regulating classification society, recognized by the authorities at the vessels homeport, shown on the stern and accepted by the ships appropriate country of origin. This marking system was invented in 1876 by Samuel Plimsoll. A politician and social reformer, Plimsoll directed his efforts against what were known as "coffin ships." Unseaworthy and overloaded vessels were frequently heavily insured by unscrupulous owners, who risked the lives of the crew.

Especially noteworthy is Foucault’s concluding reminder that our prisons and punishments are intrinsically a part of society’s numerous other modes of disciplining.[196] Society exercises discipline not only in its institutions of punishment (prisons and jails), but also in preschools and other educational institutions, in the workplace, on side-walks and highways, through social mores about sexuality and marriage, in medical institutions, insurance provisioning, zoning laws, through repeated exposure to mass media images, in organizations for the mentally ill—even in defining what qualifies as a “crime.” All of these make up an elaborate network that shapes and disciplines bodies and their everyday performance. Foucault

For example, in the 1960s, credit card companies, which host the two-sided merchant and cardholder platform, resisted insuring cardholders against fraud on their cards. They argued that insurance would promote fraud as consumers would become careless with their cards, and that banks forced to absorb more risk would become more reluctant to extend credit, hurting low-income consumers. Over the vigorous objections of major banks, the Fair Credit Reporting Act (1970) and a subsequent amendment required fraud insurance, imposing a limit of $50 on consumer liability for fraudulent use of a credit card. The disaster predicted by the credit card companies did not occur. Freed from the fear of fraud, consumers used their cards so much more often that the increase in interaction volume more than offset the increase in fraud. The business benefit from fraud insurance is so powerful that, in order to encourage adoption and use, many banks now waive the $50 charge if consumers report a lost or stolen card within twenty-four hours.45

Castine is a quiet town with a population of about 1,500 people in Western Hancock County, Maine, named after John Hancock, when Maine was a part of the Commonwealth of Massachusetts. He was the famous statesman, merchant and smuggler who signed the “Declaration of Independence” with a signature large enough so that the English monarch, King George, could read it without glasses. Every child in New England knows that John Hancock was a prominent activist and patriot during the colonial history of the United States and not just the name of a well-known Insurance Company. Just below the earthen remains of Fort George, on both sides of Pleasant Street, lays the campus of Maine Maritime Academy. Prior to World War II, this location was the home of the Eastern State Normal School, whose purpose was to train grade school teachers. Maine Maritime Academy has significantly grown over the years and is now a four-year college that graduates officers and engineers for the United States Merchant Marine, as well as educating students in marine-related industries such as yacht and small craft management. Bachelor Degrees are offered in Engineering, International Business and Logistics, Marine Transportation, and Ocean Studies. Graduate studies are offered in Global Logistics and Maritime Management, as well as in International Logistics Management. Presently there are approximately 1,030 students enrolled at the Academy. Maine Maritime Academy's ranking was 7th in the 2016 edition of Best Northern Regional Colleges by U.S. News and World Report. The school was named the Number One public college in the United States by Money Magazine. Photo Caption: Castine, Maine

There were other important reasons for the growth of American individualism at the expense of community in the second half of the twentieth century besides the nature of capitalism. The first arose as an unintended consequence of a number of liberal reforms of the 1960s and 1970s. Slum clearance uprooted and destroyed many of the social networks that existed in poor neighborhoods, replacing them with an anonymous and increasingly dangerous existence in high-rise public housing units. “Good government” drives eliminated the political machines that at one time governed most large American cities. The old, ethnically based machines were often highly corrupt, but they served as a source of local empowerment and community for their clients. In subsequent years, the most important political action would take place not in the local community but at higher and higher levels of state and federal government. A second factor had to do with the expansion of the welfare state from the New Deal on, which tended to make federal, state, and local governments responsible for many social welfare functions that had previously been under the purview of civil society. The original argument for the expansion of state responsibilities to include social security, welfare, unemployment insurance, training, and the like was that the organic communities of preindustrial society that had previously provided these services were no longer capable of doing so as a result of industrialization, urbanization, decline of extended families, and related phenomena. But it proved to be the case that the growth of the welfare state accelerated the decline of those very communal institutions that it was designed to supplement. Welfare dependency in the United States is only the most prominent example: Aid to Familles with Dependent Children, the depression-era legislation that was designed to help widows and single mothers over the transition as they reestablished their lives and families, became the mechanism that permitted entire inner-city populations to raise children without the benefit of fathers. The rise of the welfare state cannot be more than a partial explanation for the decline of community, however. Many European societies have much more extensive welfare states than the United States; while nuclear families have broken down there as well, there is a much lower level of extreme social pathology. A more serious threat to community has come, it would seem, from the vast expansion in the number and scope of rights to which Americans believe they are entitled, and the “rights culture” this produces. Rights-based individualism is deeply embedded in American political theory and constitutional law. One might argue, in fact, that the fundamental tendency of American institutions is to promote an ever-increasing degree of individualism. We have seen repeatedly that communities tend to be intolerant of outsiders in proportion to their internal cohesiveness, because the very strength of the principles that bind members together exclude those that do not share them. Many of the strong communal structures in the United States at midcentury discriminated in a variety of ways: country clubs that served as networking sites for business executives did not allow Jews, blacks, or women to join; church-run schools that taught strong moral values did not permit children of other denominations to enroll; charitable organizations provided services for only certain groups of people and tried to impose intrusive rules of behavior on their clients. The exclusiveness of these communities conflicted with the principle of equal rights, and the state increasingly took the side of those excluded against these communal organizations.

The entrance into the family of an outside professional with legal authority is always a crisis-ridden event, but it may be the best insurance that the incest will not continue.

But the earth turns, and old ways are reexamined. The insurance companies say there are so many deer, so many wrecks. They have algorithms on their side. Kill more deer. Let all the predators live.

Car insurance,” said Serge. “Watch any channel on TV for any length of time, and every other commercial is a British lizard, an upwardly mobile caveman, a calcified chick named Flo, the anthropomorphic jerk named Mayhem who tricks you into accidents, the guy in a hard hat who hits cars with sledgehammers, the character who played the president in the show 24 saying, ‘That’s Allstate’s stand,’ ‘Nationwide is on your side,’ ‘Fifteen minutes could save you some shit.’ ” “I like Mayhem,” said Coleman. “He makes me not feel so bad about breaking stuff.” “And yet we’re still not manufacturing anything you can hold in your hands,” said Serge.

I don’t need any pie, Mr. Cole.” “Please call me Lincoln.” He peeked over his own cup. “Remember, that’s my name.” “If Mrs. Reuff sees us—” He set the cup down. “Then you’ll explain we were dealing with matters of your parents’ estate.” “But we aren’t.” “Did your parents have any life insurance?” “You know they didn’t.” She pressed her cold hands to the sides of the warm cup. “See? We’ve already addressed one facet of the estate.” His blue-gray eyes flickered as though he were pleased with his own subterfuge.

So what are the implications of this study? One is pragmatic. If you’re running a campaign, you shouldn’t worry about offending the 30 percent of the population whose brains can’t process information from your side of the aisle unless their lives depend on it (e.g., after an attack on the U.S. mainland). If you’re a Republican, your focus should be on moving the 10 to 20 percent of the population with changeable minds to the right and bringing your unbending 30 percent to the polls. Republican strategists in fact have had no trouble branding Northern Californians and Northeasterners “latte-drinking liberals.” They know their own party’s kitchen doesn’t have room for a latte maker, and that scalding the other side can bring a little froth to the mouths of their own voters. The implications for Democrats should be equally clear: Stop worrying about offending those who consider Pat Robertson and Jerry Falwell moral leaders because their minds won’t bend to the left. Indeed, the failure of the Democratic Party for much of the last decade to define itself in opposition to anyone or anything has created a Maxwell House Majority convinced that the only coffee the Democrats are capable of brewing is lukewarm and tepid—tested by pollsters to insure that it’s not too hot or too strong—and served up with stale rhetoric. And they’re right.

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.

these rampages had in common: the mobs tended to go after the most prosperous in the lowest caste, those who might have managed to surpass even some people in the dominant caste. In the 1921 riot in Tulsa, Oklahoma, a mob leveled the section of town that was called black Wall Street, owing to the black banking, insurance, and other businesses clustered together and surrounded by well-kept brick homes that signaled prosperity. These were burned to the ground and never recovered. Decades before, in the early 1890s, a black grocery and a white grocery sat across the street from each other at an intersection just outside Memphis, Tennessee. The black store, known as People’s Grocery, was a cooperative that was thriving even as the walls of Jim Crow closed in. Its owner, Thomas H. Moss, was an upright figure in a three-piece suit and bow tie with a side part in his close-cropped hair, who did double duty delivering mail and running the

Wealthy people and corporations often give money to both sides in an election. They do this for insurance, because they cannot afford to offend the people who win political power. It is often an error to say they “put Hitler in power,” etc. People with assets need to avoid offending ambitious politicians. The wealthy contribute to many politicians if only to safeguard their interests. It is dangerous to be the target of government prosecution, antitrust, etc. All businesses are potential targets of government. J.R.Nyquist

Unknown to most people, much of the gold that had supposedly flown into France as actually sitting in London. Bullion was so heavy - a seventeen-inch cube weighs about a ton - that instead of shipping crates of it across hundreds of miles from one country to another and paying high insurance, central banks had taken to "earmarking" the metal, that is, keeping it in the same vault but simply re-registering its ownership. Thus the decline in Britain's gold reserves and their accumulation in France and the United States was accomplished by a group of men descending into the vaults of the Bank of England, loading some bars of bullion onto a low wooden truck with small rubber tires, trundling them thirty feet across the room to the other wall, and offloading them, though not before attaching some white name tags indicating that the gold now belonged to the Banque de France or the Federal Reserve Bank. That the world was being subject to a progressively tightening squeeze on credit just because there happened to be too much gold on one side of the vault and not enough on the other provoked Lord d'Abrenon, Britain's ambassador to Germany after the war and now an elder statesmen-economist, to exclaim, "This depression is the stupidest and most gratuitous in history.

Henrique Dubugras, the co-founder of Brex, told me he was most excited about companies focused on rebuilding insurance. Mario Schlosser, the co-founder of Oscar Health, pointed to the wealth of opportunities still left to revamp healthcare. Max Mullen, who co-founded Instacart, raved about the future of food; Max Levchin of Affirm and PayPal talked about the importance of “clean water, access to food, climate change, and improvement in education.” For Neha Narkhede of Confluent, it was “the consumerization of the enterprise,” meaning a bottom-up adoption of tools to make enterprise sales happen. Michelle Zatlyn, the co-founder of Cloudflare, was excited about the future of social networks. And on the life science and healthcare side, Arie Belldegrun of Kite Pharma was excited about cell therapy, while Nat Turner of Flatiron Health was keen on the application of data in “neurology, neurodegenerative disease, and cardiovascular diseases.” The most interesting response came from Tony Fadell, the co-founder of Nest. “I think it’s more important to look at the markets than spaces and industries,” he told me. Beyond Silicon Valley, big changes are happening in India, in Southeast Asia, and across Latin America. “These places are going through massive transitions, just like China has already. You need to pay attention to these new markets and see what unique problems you can solve for these markets. You always need to think in the context of the problems of the place you’re going after.

Perhaps no editor has been so guilty of stirring up the baser passions of human beings as [William Randolph] Hearst. Often in his early years as an editor and publisher, he did some political arousings on the side of the workers. It helped him get circulation. Gradually, however, he evolved a policy which prevailed over all liberal doctrines that he might advocate-devoting his publications to the will of the big moneyed interests to have and to retain everything that they possessed and to insure their hopes of getting more through their 'superior intelligence

Some mornings she looked at the news and wondered if she recognized her country anymore. When the citizenry wasn’t gripped by fear, it always seemed angry. Angry at the president, at politicians, at Muslims, gays, transsexuals, gun owners, evangelical Christians, Catholics, celebrities, radio talk show hosts, single moms, drug users, college students who were allegedly “snowflakes,” small town bakers, football players, insurance companies, pharmaceutical companies, government bureaucrats, cops, young African-American men, illegal immigrants, legal immigrants, atheists … Oh, she thought, looking at the tiny six-pointed star on her bracelet, and of course, Jews. They always seemed to be the universal scapegoat of every extremist on both sides of the ideological spectrum.

What’s happened is that most psychiatrists have no clue that ER is better than DR, and many prescribe generic DR. And because it’s been off-patent for several years there’s no economic incentive to educate doctors on how to use Depakote effectively.” He explained that Abbott launched Depakote DR first and Depakote ER second. He said most psychiatrists were just unaware of Depakote ER’s improvements over the first formulation. It lessened the side effects and made the pill easier to tolerate. But Schwartz had prescribed ER and yet the pharmacy doled out DR? Sometimes, that happens for insurance reasons, sometimes it’s just a lack of information, sometimes it’s a mistake, he said.

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Farming is iffy at the best of times, but I could have never foreseen the day that a lightning strike landed on the metal side of my hardware shack and incinerated the hardware wallet that held the key to all of my Bitcoin savings that had a grand total of $160,000. I stood out in the rain with the burnt-out shell of warped metal and wood, feeling that I had lost a lifetime of financial stability with it. I shivered with trepidation as I rummaged within the ashes to seek out the melted shreds of the digital savings bridge that I had put into the care of it. Panic gripped me with a fierceness that no famine had ever triggered. Money was the insurance policy fund, cushion fund, plan to enlarge the farm larger, the destiny of the family of mine. I had failed them somehow. I tossed about all night with visions of debt and of the loss of the house spinning round the head of me. The next afternoon at the ag conference (more out of habit than hopes), I stood next to a speaker while I was eavesdropping on him say the name of FUNDS RECLIAMER COMPANY carelessly while talking to someone between talks. I was interested and desperate so I followed him later to introduce himself with a quavering voice. I contacted the FUNDS RECLIAMER COMPANY that afternoon. From the very beginning of the call, their staff treated my case with the professionalism of seasoned experts aware of the personal and the technical worth of the loss I had experienced. They were not merely examining a burnt wallet; they were examining a farmer with his means of support by a thread. Their experts treated the broken hardware with the tenderness of a priceless germ sample. With the skill of meticulous techniques, they recovered my personal keys out of to me a junk pile of useless electronics. With each update they made, they were a lifeline that kept me afloat away from financial destitution. Ten tense days had passed when I got the call: the wallet had been recovered. I was about to drop the phone in the barn with the news. I was overcome with relief that I knew that the savings were intact. The farm could carry on, and the future of the family was secured. FUNDS RECLIAMER COMPANY recovered not just information but also hope. They turned disaster into resilience, something I will forever be thankful to them for. Email: fundsreclaimercompany@ z o h o m a i l . c o m WhatsApp:+1 (361) 2 5 0- 4 1 1 0

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The photos showed a light-complexioned black man with cornrows, a prison tattoo around his neck—ragged dashes and a caption that said, “Fill to dotted line”—and three or four facial scars, along with a nasty jagged scar on his scalp. A photo taken from his right side demonstrated the effects of being shot in the ear with a handgun with no medical insurance. Some intern had sewn him up and sent him on his way, and now his ear looked like a pork rind.

FIGURE 5.1 Buying and closing checklist. 1. Identify a potential bargain purchase; ask questions. 2. Write down the one urgent problem you can solve for the seller. 3. Establish the fair market value, give or take 5 percent. 4. Research the market rent and likely net income the property will produce. 5. State your minimum acceptable profit on this house. 6. Formulate an offer that solves the seller's one urgent problem. 7. Make the offer. Insist on either an acceptance or a counteroffer (Don't tell me what you won't do; tell me what you will do). 8. Make another offer based on any new information. 9. If the seller is unresponsive but you remain convinced there is opportunity, go away and come back in a week with another offer. 10. Get the contract accepted-signed by all parties. 11. Make your earnest money deposit with the closing agent. 12. Retain rights to house inspector and termite inspector if needed. 13. Order a title search with a title company, attorney, or escrow company, and furnish these agents a copy of your fully signed contract. 14. Talk with the agent or attorney who will prepare the closing documents to alert him to any unusual clauses in the contract. 15. Get copies of any documents you will be required to sign the day before the closing, and get a copy of the title insurance commitment-read to check for exceptions. 16. Read closing documents (very carefully!!!). 17. Walk through the house the day of the closing after the sellers are completely out of the house. 18. Go to the closing, review the documents, and collect the appropriate items listed on the closing documents list, and get the keys and garage door opener. Note: When you are buying, take your time. Time is on your side. Having both the buyers and the sellers at the closing can work to your advantage. When you are selling, sign documents in advance. Only go to pick up your check after the buyer has signed everything and left. Source: Reprinted from John Schaub, "Making It Big on Little Deals," seminar by permission

The logistics of getting them around were just completely insurmountable,” said Hanson-Press. “I was really stressed every single day about getting them around.” Cue HopSkipDrive, a Los Angeles start-up that has been described as ride-hailing for children. Founded by three Angelenos who are also moms, the service chauffeurs only children ages 7 to 17. In many ways, it's similar to transport network companies such as Uber, Lyft and SideCar (Uber requires customers to be over 18). Drivers are contractors who use their own vehicles to transport passengers. All drivers undergo third-party background checks and vehicle inspections. Parents can book rides for their kids through a mobile app and pay through a cashless transaction. But there are also significant differences. Unlike Uber, whose drivers simply need to have experience behind the wheel, HopSkipDrive drivers are required to have at least five years of experience caring for children (this can mean people who are themselves parents, nannies, teachers, camp counselors, etc.). And like Shuddle, a similar service that operates in the San Francisco Bay Area, all drivers are vetted in person. HopSkipDrive checks drivers' references and will even go for a ride with each driver it signs up. All rides are covered by insurance specific to transporting minors.

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Jeff Dahl, a lawyer who worked personal injury claims in Florida for more than a decade, illustrates the ways that stagecraft—while manipulative—can be in everyone’s best interest. Florida, like many other states, likes to see lawsuits handled through mediation rather than cluttering up the court system. One time Dahl was serving as mediator between a thirty-year-old plaintiff, who had been injured in an automobile accident, and an insurance company. Dahl put the plaintiff and his lawyer in one room, and the insurance representative across the hall in another room. Both rooms had glass walls and afforded a full view of the opposing party. Dahl spent the better part of the next two hours moving from one room to the other, patiently hearing out each side and validating their concerns. The insurance company agreed to pay seventy thousand dollars, which Dahl knew was exactly the figure the plaintiff wanted, so Dahl expected to conclude the deal. Unfortunately, when the plaintiff received the offer he became temporarily intoxicated by the prospect of money and indicated that he wanted to hold out for more. Dahl knew that the insurance representative was not authorized to pay additional money. Fearing that the mediation would devolve into a bitter lawsuit, Dahl opted to engage in a little drama. Dahl marched into the room where the insurance rep sat waiting to hear that the plaintiff had accepted his offer. Instead of relaying the fact that the plaintiff now wanted even more money, Dahl said, “I need to know you are serious about this seventy thousand dollars and that it’s your best offer. If this is truly the case, you can communicate that to me in earnest by packing up your briefcase and leaving. After all, there is nothing more for us to do here.” At Dahl’s suggestion, the rep began packing to leave. Dahl used this opportunity to rush, panicked, to the plaintiff across the hall. “Oh no!” Dahl warned, “The rep is leaving and taking his offer with him! You’d better agree to the deal quickly, so that everyone can go home happy.” Minutes later, the parties got together to sign the papers. It’s important to remember that while what Dahl did was manipulative in the purest sense of the word, it was also intended to benefit all parties equally—and it succeeded in doing so.

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A traffic cop was monitoring the drop-off line, waving cars on if they stood too long. Dreadlock Guy got in his car to leave, but not before rolling down his passenger-side window and beckoning me over. “What you leave behind?” he wanted to know, his Jamaican accent lilting. “Wedding dress.” It came out barely above a whisper. “And his computer. And luggage.” He shook his head with a smile, his dreaded ponytail smacking each shoulder, back and forth. “Clothing is easily replaced. Computers, you can back up the data. Insurance covers what you lose.” I looked at him expectantly, figuring that at any moment, he’d utter “Don’t worry, be happy.” Say it and I’ll pull you out your car window by your dreads and put the hurt on you. “But a kiss like that , miss—” He clucked his tongue. “Irreplaceable. Don’t let that go the other way.” It took me a moment to process his last words, as they came out “gowdee otterway.” But as he put the car in reverse and backed up in order to swing around the shuttle parked infront of him, it sank in.

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.

Meanwhile, our patchwork regulatory system insures that no single institution is keeping track of how many deaths and injuries befall healthy subjects in clinical trials. Nobody appears to be tracking how many clinical investigators are incompetent of have lost their licenses, or have questionable disciplinary records.. Nobody is monitoring the effect that so many trials have on the health of professional guinea pigs. In fact, nobody is even certain whether the trials generate reliable data.

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