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Soul is not even that Crackerjack prize that God and Satan scuffle over after the worms have all licked our bones. That's why, when we ponder--as sooner or later each of us must--exactly what we ought to be doing about our soul, religion is the wrong, if conventional, place to turn. Religion is little more than a transaction in which troubled people trade their souls for temporary and wholly illusionary psychological comfort--the old give-it-up-in-order-to-save-it routine. Religions lead us to believe that the soul is the ultimate family jewel and that in return for our mindless obedience, they can secure it for us in their vaults, or at least insure it against fire theft. They are mistaken.

Think of them as insurance against the weaknesses of human nature—your weaknesses, my weaknesses, our weaknesses: 1. Make it conscious. 2. Make it a game. 3. Make it competitive. 4. Make it small and temporary.

I believe the reasons we hang on to seemingly insignificant snippets of conversation, the smell of a particular pizza delivered by a particular guy, the shape of certain shadows on a particular wall, is that there may come a day when we are sitting in a hospital room visiting our mother as she lies on an uncomfortable bed, still recovering. And we are asking her questions and feeling nervous about what the doctor has said could be permanent damage caused by a blood clot the size of a pinpoint and we don't know if the way she is struggling to find the right words is a temporary exhaustion or the new reality and all we want to do is tell her we love her in a language no one has used before because we mean it in a way that no one has meant it before. And this will be a difficult time for us. But then, in a break between the words, a commercial may come on the small television hung up in the corner of the room that we did not even know was playing. It may advertise some new drug, some insurance plan, and our mother will smile at the voice of the handsome actor standing in front of a green screen. She will then close her eyes and squeeze our hand, the one that she has been holding since we walked in, and say, "Oh, I used to have such a crush on him." When she does this, our memory will be waiting. Yes, yes, yes. It is love that we feel here. This is the purpose of memory.

In other words, you have been hypnotized or conditioned by an educational processing-system arranged in grades or steps, supposedly leading to some ultimate Success. First nursery school or kindergarten, then the grades or forms of elementary school, preparing you for the great moment of secondary school! But then more steps, up and up to the coveted goal of the university. Here, if you are clever, you can stay on indefinitely by getting into graduate school and becoming a permanent student. Otherwise, you are headed step by step for the great Outside World of family-raising, business, and profession. Yet graduation day is a very temporary fulfillment, for with your first sales-promotion meeting you are back in the same old system, being urged to make that quota (and if you do, they’ll give you a higher quota) and so progress up the ladder to sales manager, vice-president, and, at last, president of your own show (about forty to forty-five years old). In the meantime, the insurance and investment people have been interesting you in plans for Retirement—that really ultimate goal of being able to sit back and enjoy the fruits of all your labors. But when that day comes, your anxieties and exertions will have left you with a weak heart, false teeth, prostate trouble, sexual impotence, fuzzy eyesight, and a vile digestion.

Even at its peak, welfare did not generally function as a dependency trap. A review of the research in Science concluded that “the welfare system does not foster reliance on welfare so much as it acts as insurance against temporary misfortune.”[15] Today as then, the able-bodied jobless adult on welfare remains a rare creature.

We break commitments to ourselves with embarrassing regularity. How can someone trying to lose weight binge on an entire pint of ice cream before bed? How can even the most disciplined of executives fail to make 30 minutes of time per week for exercise? How can someone whose marriage depends on quitting smoking pick up a cigarette? Simple: logic fails. If you were to summarize the last 100 years of behavioral psychology in two words, that would be the takeaway. Fortunately, knowing this, it is possible to engineer compliance. Pulling from both new and often-neglected data, including photographic research and auctions, there are four principles of failure-proofing behavior. Think of them as insurance against the weaknesses of human nature—your weaknesses, my weaknesses, our weaknesses: 1. Make it conscious. 2. Make it a game. 3. Make it competitive. 4. Make it small and temporary.

Only a quarter of families who qualify for Temporary Assistance for Needy Families apply for it. Less than half (48 percent) of elderly Americans who qualify for food stamps sign up to receive them. One in five parents eligible for government health insurance (in the form of Medicaid and the Children’s Health Insurance Program) do not enroll, just as one in five workers who qualify for the Earned Income Tax Credit do not claim it.

Here’s an example from the test Marty and his students developed to distinguish optimists from pessimists: Imagine: You can’t get all the work done that others expect of you. Now imagine one major cause for this event. What leaps to mind? After you read that hypothetical scenario, you write down your response, and then, after you’re offered more scenarios, your responses are rated for how temporary (versus permanent) and how specific (versus pervasive) they are. If you’re a pessimist, you might say, I screw up everything. Or: I’m a loser. These explanations are all permanent; there’s not much you can do to change them. They’re also pervasive; they’re likely to influence lots of life situations, not just your job performance. Permanent and pervasive explanations for adversity turn minor complications into major catastrophes. They make it seem logical to give up. If, on the other hand, you’re an optimist, you might say, I mismanaged my time. Or: I didn’t work efficiently because of distractions. These explanations are all temporary and specific; their “fixability” motivates you to start clearing them away as problems. Using this test, Marty confirmed that, compared to optimists, pessimists are more likely to suffer from depression and anxiety. What’s more, optimists fare better in domains not directly related to mental health. For instance, optimistic undergraduates tend to earn higher grades and are less likely to drop out of school. Optimistic young adults stay healthier throughout middle age and, ultimately, live longer than pessimists. Optimists are more satisfied with their marriages. A one-year field study of MetLife insurance agents found that optimists are twice as likely to stay in their jobs, and that they sell about 25 percent more insurance than their pessimistic colleagues. Likewise, studies of salespeople in telecommunications, real estate, office products, car sales, banking, and other industries have shown that optimists outsell pessimists by 20 to 40 percent.

If your needs are not attainable through safe instruments, the solution is not to increase the rate of return by upping the level of risk. Instead, goals may be revised, savings increased, or income boosted through added years of work. . . . Somebody has to care about the consequences if uncertainty is to be understood as risk. . . . As we’ve seen, the chances of loss do decline over time, but this hardly means that the odds are zero, or negligible, just because the horizon is long. . . . In fact, even though the odds of loss do fall over long periods, the size of potential losses gets larger, not smaller, over time. . . . The message to emerge from all this hype has been inescapable: In the long run, the stock market can only go up. Its ascent is inexorable and predictable. Long-term stock returns are seen as near certain while risks appear minimal, and only temporary. And the messaging has been effective: The familiar market propositions come across as bedrock fact. For the most part, the public views them as scientific truth, although this is hardly the case. It may surprise you, but all this confidence is rather new. Prevailing attitudes and behavior before the early 1980s were different. Fewer people owned stocks then, and the general popular attitude to buying stocks was wariness, not ebullience or complacency. . . . Unfortunately, the American public’s embrace of stocks is not at all related to the spread of sound knowledge. It’s useful to consider how the transition actually evolved—because the real story resists a triumphalist interpretation. . . . Excessive optimism helps explain the popularity of the stocks-for-the-long-run doctrine. The pseudo-factual statement that stocks always succeed in the long run provides an overconfident investor with more grist for the optimistic mill. . . . Speaking with the editors of Forbes.com in 2002, Kahneman explained: “When you are making a decision whether or not to go for something,” he said, “my guess is that knowing the odds won’t hurt you, if you’re brave. But when you are executing, not to be asking yourself at every moment in time whether you will succeed or not is certainly a good thing. . . . In many cases, what looks like risk-taking is not courage at all, it’s just unrealistic optimism. Courage is willingness to take the risk once you know the odds. Optimistic overconfidence means you are taking the risk because you don’t know the odds. It’s a big difference.” Optimism can be a great motivator. It helps especially when it comes to implementing plans. Although optimism is healthy, however, it’s not always appropriate. You would not want rose-colored glasses in a financial advisor, for instance. . . . Over the long haul, the more you are exposed to danger, the more likely it is to catch up with you. The odds don’t exactly add, but they do accumulate. . . . Yet, overriding this instinctive understanding, the prevailing investment dogma has argued just the reverse. The creed that stocks grow steadily safer over time has managed to trump our common-sense assumption by appealing to a different set of homespun precepts. Chief among these is a flawed surmise that, with the passage of time, downward fluctuations are balanced out by compensatory upward swings. Many people believe that each step backward will be offset by more than one step forward. The assumption is that you can own all the upside and none of the downside just by sticking around. . . . If you find yourself rejecting safe investments because they are not profitable enough, you are asking the wrong questions. If you spurn insurance simply because the premiums put a crimp in your returns, you may be destined for disappointment—and possibly loss.

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

Be the solution, not the problem One way you’ll be invaluable is learn to be a problem solver. That’s what Joseph was. He was solution oriented. Don’t go to your boss and say, “Our department is falling apart. This manager is about to quit. Bob cursed out Jim, and Bill keeps leaving early. Nobody paid our taxes last month. What do you want me to do?” That’s not the way to get promoted. If you present a problem, always present a solution as well. If you can’t present a solution, hold it until you can figure out something. A child can come tell me the building is on fire. That’s easy. That doesn’t take any skill. But I want somebody to tell me not only is the building on fire, but also the fire department is on the way, all the people are safe, the insurance company has been notified, and temporary quarters have been arranged. If you want to be invaluable to your organization, present your bosses with solutions, not problems.

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

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Buy SSN Number When you buy SSN number, you are essentially buying a Social Security Number. This is a nine-digit number that is assigned to every U.S. citizen at birth. It is used for many things, such as applying for a job or getting a driver’s license. If you do not have an SNN number, you can still get one by purchasing it from the government. If you have any question want to know, we have live chat support system ➤Email: usasmmit@gmail.com ➤Skype: usasmmit ➤Telegram: @usasmmit ➤WhatsApp: +1 (203) 433-2801 When you are seeking to buy SSN number, there are a few things that you will want to keep in mind. First and foremost, it is important to remember that this number is for your own use and should not be given out to anyone else. Additionally, when you are purchasing an SNN number, you will want to make sure that the website from which you are making your purchase is reputable. Finally, be sure to keep your receipt or confirmation email from your purchase as proof of your ownership of the number. Can I Buy SSN Online? No, you cannot buy SSN online. The Social Security Number (SSN) is a unique nine-digit number issued to U.S. citizens, permanent residents, and temporary (working) residents by the Social Security Administration (SSA). It is required for many purposes such as opening a bank account or applying for credit. Can You Buy Someone’s Social Security Number? No, you cannot buy someone’s Social Security number. The Social Security Administration (SSA) does not sell Social Security numbers and it is against the law for anyone to buy or sell a Social Security number. It is also illegal to use someone else’s Social Security number without their permission. Why Do People Buy SSN? There are a number of reasons why people buy SSN. Some people believe that Social Security is an insurance program and that they are entitled to benefits if they become disabled or retired. Others view it as a forced savings plan, similar to a 401k, and believe that buying SSN will help them save for retirement. And finally, some people simply want the peace of mind that comes with having extra income in retirement. If you have any question want to know, we have live chat support system ➤Email: usasmmit@gmail.com ➤Skype: usasmmit ➤Telegram: @usasmmit ➤WhatsApp: +1 (203) 433-2801 How much is a Social Security Number Worth? It’s no secret that a Social Security number is worth a lot to criminals. After all, it’s the key to your financial identity. But just how much is it worth? Unfortunately, there’s no definitive answer. The value of a SSN on the black market depends on a number of factors, including what it will be used for and who is selling it. However, we can take a look at some real-world examples to get an idea of just how much this sensitive information is worth. In 2015, the US Office of Personnel Management had its database breached, resulting in the theft of over 21 million people’s personal information – including their SSNs. This massive data breach was estimated to have cost around $5 billion dollars in damages. More recently, in 2017 Equifax – one of the three major credit reporting agencies – had a data breach that exposed the personal information (including SSNs) of over 145 million people. This equates to around $1 billion dollars in damages per person whose information was stolen. These two examples show that a Social Security number can be quite valuable – even costing billions of dollars in damages when millions of them are stolen at once. So if you’re ever asked for your SSN, make sure you know who you’re giving it to and why they need it before handing over this sensitive piece of information. Buy SSN Number Online If you’re looking to buy SSN online, there are a few things you need to know. First, it’s important to understand that the Social Security Administration (SSA) does not issue SSNs for the purpose of identity theft or fraud.

+1-(866)-228-4467--Pest Control in La Palma, California (CA): Ensuring a Pest-Free Environment La Palma, California, a small yet thriving city in Orange County, is known for its pleasant suburban atmosphere, excellent schools, and community-driven lifestyle. However, like many Southern California areas, it faces its fair share of pest problems. Whether it’s ants marching through the kitchen, rodents hiding in the attic, or termites slowly damaging your home, dealing with pests can quickly become a major concern. That’s where professional pest control in La Palma, California comes in to safeguard your home and peace of mind. Common Pests in La Palma The warm, dry climate of La Palma makes it an attractive environment for a variety of pests. Some of the most common pests in the area include: Ants: From tiny sugar ants to larger carpenter ants, these pests are drawn to homes in search of food and water. Carpenter ants, in particular, can cause significant structural damage if left unchecked. Termites: A major concern for homeowners in California, termites can silently cause extensive damage to wood structures. Subterranean and drywood termites are both common in La Palma, making professional treatment essential for preventing long-term destruction. Rodents: Mice and rats are not only a nuisance but also pose health risks by carrying diseases and contaminating food. They can also cause damage to electrical wires, insulation, and furniture. Mosquitoes: With the warm weather, mosquitoes are a constant issue in La Palma, especially in areas with standing water. These pests are more than just annoying—they can transmit diseases like West Nile Virus and Zika. Spiders: Though most spiders are harmless, some species, such as black widows, can pose a health risk. Keeping these dangerous spiders under control is important for the safety of your family. Why Professional Pest Control is Necessary While DIY methods may seem like a cost-effective solution, they are often temporary and may not address the root of the problem. Professional pest control services in La Palma offer several benefits: Expertise: Pest control technicians are trained to identify different types of pests and apply the most effective treatments. Their expertise ensures that the issue is handled correctly the first time. Long-Term Solutions: Unlike DIY approaches, professional services focus on preventing future infestations. This includes using safe, eco-friendly treatments that don’t harm your home or the environment. Health and Safety: Pests can carry harmful bacteria, viruses, and allergens. Professional pest control services ensure that your home remains free from health hazards, protecting your family and pets. Peace of Mind: With a professional handling the job, you can rest assured that the pest problem is under control, freeing you from stress and worry. How to Choose the Right Pest Control Service in La Palma When selecting a pest control company in La Palma, it’s important to consider the following: Experience: Choose a company with a strong reputation and experience in dealing with local pests. Licensing and Insurance: Make sure the company is licensed and insured, ensuring they comply with California regulations. Eco-Friendly Options: Look for a company that uses environmentally responsible methods to treat pests. Conclusion Pest control in La Palma, California, is essential for maintaining a safe and comfortable home. By hiring a professional pest control service, you can protect your property from pests, avoid costly damage, and ensure the health and safety of your family. Whether you're dealing with ants, rodents, or termites, a trusted pest control expert can provide effective and lasting solutions to keep your home pest-free year-round.

+1-(866)-228-4467--Pest Control Agency in La Palma, California (CA): Protecting Your Home and Business from Unwanted Pests La Palma, California, known for its family-friendly neighborhoods and well-maintained homes, is a desirable place to live. However, like many communities in Southern California, it faces a common and ongoing challenge—pest infestations. From ants and cockroaches to rodents and termites, pests can threaten both the comfort and safety of your property. That’s why choosing a reliable pest control agency in La Palma, California (CA) is essential for maintaining a clean, healthy environment. Why Professional Pest Control Matters Pests are more than just a nuisance. They can spread disease, cause structural damage, and create unsanitary living conditions. While DIY solutions might offer temporary relief, only a professional pest control agency can provide lasting results. A licensed pest control agency brings: Expert Knowledge: Professionals can accurately identify pest species and understand their behavior and nesting patterns. Customized Solutions: Agencies tailor their treatments based on the type of infestation and the size of the property. Safe, Effective Treatments: Using state-approved, environmentally friendly products, pest control agencies ensure the safety of your family and pets. Common Pests in La Palma A wide range of pests are active in La Palma due to the area’s warm climate. Common pests include: Ants: Often invading kitchens and pantries, ants can be persistent and hard to eliminate without professional help. Termites: These wood-destroying insects can quietly cause thousands of dollars in damage to homes and businesses. Rodents: Rats and mice can chew through wires, damage insulation, and carry harmful diseases. Cockroaches: These pests thrive in warm, damp areas and are known carriers of bacteria and allergens. Spiders: While most are harmless, species like the black widow pose a risk to residents, especially children and pets. What to Expect from a Pest Control Agency When you hire a pest control agency in La Palma, you can expect a thorough process, which typically includes: Inspection: Technicians assess the property for signs of infestation and entry points. Treatment Plan: A strategy is developed using the most effective and safe methods, which may include traps, baits, sprays, or barriers. Follow-Up: Agencies often provide follow-up services to ensure the problem is fully resolved and offer preventive treatments for long-term protection. Choosing the Right Pest Control Agency When selecting a pest control agency in La Palma, look for: Proper licensing and insurance in California Positive customer reviews and local experience Free inspections and detailed estimates Services backed by warranties or guarantees Conclusion A professional pest control agency in La Palma, California (CA) is your best defense against infestations that can threaten your home, health, and property value. Don’t wait for pests to take over—act early by partnering with a trusted local agency to keep your environment clean, safe, and pest-free year-round.

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