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If Adam were honest with himself, which he rarely was, he’d come to terms with the fact that beyond his work and the view, he was floundering a bit. His plan had been to take the insurance money, leave his old life behind, and start completely over somewhere new. A place where memories didn’t lurk around every corner. He hadn’t figured on the memories coming along with him.

Turns out that once you kill a god, people want to talk to you. Paranormal insurance salesmen with special "godslayer" term life policies. Charlatan's with "godproof" armor and extraplanar safe houses for rent. But most notably, other gods...

Reclaimed by the small-time day-to-day, pretending life is Back To Normal, wrapping herself shivering against contingency's winter in some threadbare blanket of first-quarter expenses, school committees, cable-bill irregularities, a workday jittering with low-life fantasies for which "fraud" is often too elegant a term, upstairs neighbors to whom bathtub caulking is an alien concept, symptoms upper-respiratory and lower-intestinal, all in the quaint belief that change will always be gradual enough to manage, with insurance, with safety equipment, with healthy diets and regular exercise, and that evil never comes roaring out of the sky to explode into anybody's towering delusions about being exempt. . .

When I asked the mayor if flood insurance rates had gone up after Sandy, he said, “Not really.” This is how disaster relief works in America. There are lots of incentives to rebuild but few incentives to rebuild differently, much less to rethink the long-term future of cities and towns along the coast.

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

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.

A credit default swap was confusing mainly because it wasn’t really a swap at all. It was an insurance policy, typically on a corporate bond, with semiannual premium payments and a fixed term. For instance, you might pay $200,000 a year to buy a ten-year credit default swap on $100 million in General Electric bonds. The most you could lose was $2 million: $200,000 a year for ten years. The most you could make was $100 million, if General Electric defaulted on its debt any time in the next ten years and bondholders recovered nothing. It was a zero-sum bet: If you made $100 million, the guy who had sold you the credit default swap lost $100 million. It was also an asymmetric bet, like laying down money on a number in roulette. The most you could lose were the chips you put on the table; but if your number came up you made thirty, forty, even fifty times your money.

As a child, my own mother told me the human heart spun on an axis smaller than a dime. Like her father, she sold "life for love" insurance. For the price of ten years off your life, you could purchase insurance on a ten-year love affair. Plans were also available in increments of twenty-five and fifty. If your love affair failed before your insurance expired, they'd provide you with a clone of the loved one for the duration of the term. Sometimes the clone worked out even better than the original.

THE BRANCH OF ECONOMICS concerned with issues like inflation, recessions, and financial shocks is known as macroeconomics. When the economy is going well, macroeconomists are lauded as heroes; when it turns sour, as it did recently, they catch a lot of the blame. In either case, the headlines go to the macroeconomists. We hope that after reading this book, you’ll realize there is a whole different breed of economist out there—microeconomists—lurking in the shadows. They seek to understand the choices that individuals make, not just in terms of what they buy but also how often they wash their hands and whether they become terrorists.

In the 1960's, some old-timers on Wall Street-the men who remembered the trauma of the 1929 Crash and the Great Depression-gave me a warning: "When we fade from this business, something will be lost. That is the memory of 1929." Because of that personal recollection, they said, they acted with more caution, than they otherwise might. Collectively, their generation provided an in-built brake on the wildest form of speculation, an insurance policy against financial excess and consequent catastrophe. Their memories provided a practical form of long-term dependence in the financial markets. Is it any wonder that in 1987 when most of those men were gone and their wisdom forgotten, the market encountered its first crash in nearly sixty years? Or that, two decades later, we would see the biggest bull market, and the worst bear market, in generations? Yet standard financial theory holds that, in modeling markets, all that matters is today's news and the expectations of tomorrow's news.

• Auto and Homeowner Insurance—Choose higher deductibles in order to save on premiums. With high liability limits, these are the best buys in the insurance world. • Life Insurance—Purchase twenty-year level term insurance equal to about ten times your income. Term insurance is cheap and the only way to go; never use life insurance as a place to save money. • Long-Term Disability—If you are thirty-two years old, you are twelve times more likely to become disabled than to die by age sixty-five. The best place to buy disability insurance is through work at a fraction of the cost. You can usually get coverage that equals from 50 to 70 percent of your income. • Health Insurance—The number one cause of bankruptcy today is medical bills; number two is credit cards. One way to control costs is to look for large deductibles to lower your premium. The HSA (Health Savings Account) is a great way to save on premiums. The high deductible creates a much lower premium, and this plan allows you to save for medical expenses in a tax-free savings account.

It might be instructive to try seeing things from the perspective of, say, a God-fearing hard-working rural-Midwestern military vet. It's not that hard. Imaging gazing through his eyes at the world of MTV and the content of video games, at the gross sexualization of children's fashions, at Janet Jackson flashing her aureole on what's supposed to be a holy day. Imagine you're him having to explain to your youngest what oral sex is and what it's got to do with a US president. Ads for penis enlargers and HOT WET SLUTS are popping up out of nowhere on your family's computer. Your kids' school is teaching them WWII and Vietnam in terms of Japanese internment and the horrors of My Lai. Homosexuals are demanding holy matrimony; your doctor's moving away because he can't afford the lawsuit insurance; illegal aliens want driver's licenses; Hollywood elites are bashing America and making millions from it; the president's ridiculed for reading his Bible; priests are diddling kids left and right. Shit, the country's been directly attacked, and people aren't supporting our commander in chief.

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

There are many well-known arguments for why the Holocaust perpetrated by the Nazis was different. It was higher tech. Death came faster. It was industrial in its scale. All true. But it’s also true that every holocaust is different. Every genocide has its own particular characteristics, and every hated group is hated in its own special way. By sheer numbers of dead, the genocide of Indigenous peoples in the Americas surpasses all others. In terms of modern technologies, the transatlantic trade in kidnapped and enslaved Africans, and the plantations the trade served in the antebellum South and the Caribbean, were highly modern for their times. So cutting-edge, scholars have shown, that the systems developed to transport, insure, depreciate, track, control, and extract maximum wealth from this coerced labor shaped many aspects of modern accounting and human resources management. And as Rinaldo Walcott, a scholar of race and gender, writes in his manifesto On Property, “The ideas forged in the plantation economy continue to shape our social relations.” Among those social relations are modern policing, mass surveillance, and mass incarceration. On what else does the claim to exceptionalism rest?

In 1954 the gulag at Kengir witnessed an uprising by Christian and Muslim prisoners. The guards were driven out, and for forty days worship was freely practiced in the camp. Solzhenitsyn later documented the atmosphere of elation and idealism which prevailed in this doomed island of faith: the Muslims put on turbans and robes again, and 'the grey-black camp was a blaze of color'. The Chechens made kites from which they showered the neighboring villages with messages about the evils of the atheist system. Many marriages were celebrated. Survivors recall the forty days as a testimony to a possible way of living which had been suffocated by dreary unbelief. Delight in the present, and the knowledge of heaven outweighed the awareness of Khrushchev's inevitable revenge. The rebels were crushed under the attacks of tanks, but in the long term, this same spiritual outweighing insured the atheist dystopia's downfall.

All France, it has often been said, is a garden, and if you love France, as I do, it can be a very beautiful garden. For myself I found it healing and soothing to the spirit; I recovered from the shocks and bruises which I had received in my own country. But there comes a day, when you are well again and strong, when this atmosphere ceases to be nourishing. You long to break out and test your powers. Then the French spirit seems inadequate. You long to make friends, to create enemies, to look beyond walls and cultivated patches of earth. You want to cease thinking in terms of life insurance, sick benefits, old age pensions and so on.

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.

[Stice's] parents had met and fallen in love in a Country/Western bar in Partridge KS — just outside Liberal KS on the Oklahoma border — met and fallen in star-crossed love in a bar playing this popular Kansas C/W-bar-game where they put their bare forearms together and laid a lit cigarette in the little valley between the two forearms' flesh and kept it there till one of them finally jerked their arm away and reeled away holding their arm. Mr. and Mrs. Stice each discovered somebody else that wouldn't jerk away and reel away, Stice explained. Their forearms were still to this day covered with little white slugs of burn-scar. They'd toppled like pines for each other from the git-go, Stice explained. They'd been divorced and remarried four or five times, depending on how you defined certain jurisprudential precepts. When they were on good domestic terms they stayed in their bedroom for days of squeaking springs with the door locked except for brief sallies out for Beefeater gin and Chinese take-out in little white cardboard pails with wire handles, with the Stice children wandering ghostlike through the clapboard house in sagging diapers or woolen underwear subsisting on potato chips out of econobags bigger than most of them were, the Stice kids. The kids did somewhat physically better during periods of nuptial strife, when a stony-faced Mr. Stice slammed the kitchen door and went off daily to sell crop insurance while Mrs. Stice —whom both Mr. Stice and The Darkness called 'The Bride' —while The Bride spent all day and evening cooking intricate multicourse meals she'd feed bits of to The Brood (Stice refers to both himself and his six siblings as 'The Brood') and then keep warm in quietly rattling-lidded pots and then hurl at the kitchen walls when Mr. Stice came home smelling of gin and of cigarette-brands and toilet-eau not The Bride's own. Ortho Stice loves his folks to distraction, but not blindly, and every holiday home to Partridge KS he memorizes highlights of their connubial battles so he can regale the E.T.A. upperclass-men with them, mostly at meals, after the initial forkwork and gasping have died down and people have returned to sufficient levels of blood-sugar and awareness of their surroundings to be regaled.

What they had not considered was that the people voting this way were, in fact, voting their interests. Maintaining the caste system as it had always been was in their interest. And some were willing to accept short-term discomfort, forgo health insurance, risk contamination of the water and air, and even die to protect their long-term interest in the hierarchy as they had known it.

You cannot think of a better arrangement materially: in terms of healthcare, insurance, cars. You have more comforts and conveniences than any previous generation. But people are suffering immensely. In affluent societies almost every fifth person is on some kind of medication just to maintain mental balance. When you have to take a tablet every day to remain sane, this is not joyfulness. You are on the verge of breaking down because you have made a small aspect of your life the whole of your life.

A prison is perhaps the easiest place to see the power of bad incentives. And yet in many walks of life, we find otherwise normal men and women caught in the same trap and busily making the world much less good than it could be. Elected officials ignore long-term problems because they must pander to the short-term interests of voters. People working for insurance companies rely on technicalities to deny desperately ill patients the care they need. CEOs and investment bankers run extraordinary risks—both for their businesses and for the economy as a whole—because they reap the rewards of success without suffering the penalties of failure. District attorneys continue to prosecute people they know to be innocent because their careers depend on winning cases. Our government fights a war on drugs that creates the very problem of black-market profits and violence that it pretends to solve. We need systems that are wiser than we are. We need institutions and cultural norms that make us more honest and ethical than we tend to be. The project of building them is distinct from—and, in my view, even more important than—an individual’s refining his personal ethical code.

The liberal take was that working-class whites have been voting against their interests in supporting right-wing oligarchs, but that theory diminishes the agency and caste-oriented principles of the people. Many voters, in fact, made an assessment of their circumstances and looked beyond immediate short-term benefits and toward, from their perspective, the larger goals of maintaining dominant-caste status and their survival in the long term. They were willing to lose health insurance now, risk White House instability and government shutdowns, external threats from faraway lands, in order to preserve what their actions say they value most—the benefits they had grown accustomed to as members of the historically ruling caste in America.

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.

Or is it the opposite-that the US has moved so far and so fast toward cultural permissiveness that we've reached a kind of apsidal point? It might be instructive to try seeing things from the perspective of, say, a God-fearing hard-working rural-Midwestern military vet. It's not that hard. Imagine gazing through his eyes at the world of MTV and the content of video games, at the gross sexualization of children's fashions, at Janet Jackson flashing her aureole on what's supposed to be a holy day. Imagine you're him having to explain to your youngest what oral sex is and what it's got to do with a US president. Ads for penis enlargers and Hot Wet Sluts are popping up out of nowhere on your family's computer. Your kids' school is teaching them WWII and Vietnam in terms of Japanese internment and the horrors of My Lai. Homosexuals are demanding holy matrimony; your doctor's moving away because he can't afford the lawsuit insurance; illegal aliens want driver's licenses; Hollywood elites are bashing America and making millions from it; the president's ridiculed for reading his Bible; priests are diddling kids left and right. Shit, the country's been directly attacked, and people aren't supporting our commander in chief. Assume for a moment that it's not silly to see things this man's way. What cogent, compelling, relevant message can the center and left offer him? Can we bear to admit that we've actually helped set him up to hear "We 're better than they are" not as twisted and scary but as refreshing and redemptive and true? If so, then now what?

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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 language of the rebuild eludes me. It may as well be in Malay for all that I can grasp it. No, that’s not true. If it were Malay, in my limited experience of it, there would be a kindness to it, with declined nouns that invoke a sense of shared communities and values; and qualifiers that allow for misunderstandings, acknowledging this to be perfectly natural and human, and more importantly, a mutually adjustable state of affairs. The language of the insurer, however, is that of the worst of the corporate West. It is management-speak that hears only its own voice. It has closed meanings known only to the initiated; and omissions deliberately designed to confuse. The language of the builder is exclusive; dwangs, thermal-broken, and rondo battens are all terms that are potential minefields of extra expense, if they are not examined, priced, queried, rolled around the tongue for size and spat out for effect.

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.

On the face of it, society has little use for depressive realism or indeed for any significant negativity, and certainly spurns any Zerzanian agenda. DR’s evangelism of bleakness is not wanted here. However, a large literature exists arguing for the benefits of learning from negativity and failure (e.g. Ormerod, 2005; Feltham, 2012). Much of this is disingenuous platitude and management hype, but some of it concentrates on the importance of failure in specific, critical circumstances. Insurance professionals must calculate risk, and accident investigators have to learn from black boxes the causes of airplane crashes. In more philosophical terms, Scruton (2010) draws on Schopenhauer’s concept of ‘unscrupulous optimism’ to identify its various fallacies. He argues that we should ‘look with irony and detachment on our actual condition’ (p. 232, italics added), instead of succumbing to the lure of Leftist ‘junk thought.’ Everyone claims to learn something from negatives and DR ‘prophets’ are those most likely to speak the unpopular negatives.

Believe me," Dr. Tamalet summed up, "if you wanted that operation in France, you could get it" Which is, of course, the boon and the bane of France's health care system. It offers a maximum of free choice among skillful doctors and well-equipped hospitals, with little or not waiting, at bargain-basement prices [in out-of-pocket terms to the consumer]. It's a system that enables the French to live longer and healthier lives, with zero risk of financial loss due to illness. But somebody has to pay for all that high-quality, ready-when-you-need-it care--and the patients, so far, have not been willing to do so. As a result, the major health insurance funds are all operating at a deficit, and the costs of the health care system are increasing significantly faster than the economy as a whole. That's why the doctors keep striking and the sickness funds keep negotiating and the government keeps going back to the drawing board, with a new 'major health care reform' every few years. So far, the saving grace for France's system has been the high level of efficiency, as exemplified by the 'carte vitale,' that keeps administrative costs low--much lower than in the United States.

Templates for Protest Letters 1. TO TACKLE A SURPRISE OUT-OF-NETWORK BILL Dear Sir or Madam: The bills enclosed were for out-of-network services performed on __________ during my admission to __________ Medical Center, a hospital that is in my insurance network. I went to __________ Medical Center precisely because it was in my network. I was not informed of these providers’ out-of-network status and did not consent to being treated by any out-of-network providers. Since I did not give informed consent for treatment beyond the terms and network of my insurance policy, I suggest you contact my insurer to work out payment; I will pay only that portion of the bill that I would have paid for in-network services. Please stop this effort to collect a bill I do not owe for a service I was never informed would be out-of-network. If I get another notice, I will report this collection effort to the __________ State Department of Insurance and __________ State Department of Consumer Affairs. Sincerely, 2. TO OBTAIN MEDICAL RECORDS AND ITEMIZED BILLS Dear Sirs or Madam: I have now requested my medical records/itemized bill __________ times and have yet to receive the material. It is my right to receive these

In this march through a virtual lifetime, we’ve visited school and college, the courts and the workplace, even the voting booth. Along the way, we’ve witnessed the destruction caused by WMDs. Promising efficiency and fairness, they distort higher education, drive up debt, spur mass incarceration, pummel the poor at nearly every juncture, and undermine democracy. It might seem like the logical response is to disarm these weapons, one by one. The problem is that they’re feeding on each other. Poor people are more likely to have bad credit and live in high-crime neighborhoods, surrounded by other poor people. Once the dark universe of WMDs digests that data, it showers them with predatory ads for subprime loans or for-profit schools. It sends more police to arrest them, and when they’re convicted it sentences them to longer terms. This data feeds into other WMDs, which score the same people as high risks or easy targets and proceed to block them from jobs, while jacking up their rates for mortgages, car loans, and every kind of insurance imaginable. This drives their credit rating down further, creating nothing less than a death spiral of modeling. Being poor in a world of WMDs is getting more and more dangerous and expensive.

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My Future Self My future self and I become closer and closer as time goes by. I must admit that I neglected and ignored her until she punched me in the gut, grabbed me by the hair and turned my butt around to introduce herself. Well, at least that’s what it felt like every time I left the convalescent hospital after doing skills training for a certification I needed to help me start my residential care business. I was going to be providing specialized, 24/7 residential care and supervising direct care staff for non-verbal, non-ambulatory adult men in diapers! I ran to the Red Cross and took the certified nurse assistant class so I would at least know something about the job I would soon be hiring people to do and to make sure my clients received the best care. The training facility was a Medicaid hospital. I would drive home in tears after seeing what happens when people are not able to afford long-term medical care and the government has to provide that care. But it was seeing all the “young” patients that brought me to tears. And I had thought that only the elderly lived like this in convalescent hospitals…. I am fortunate to have good health but this experience showed me that there is the unexpected. So I drove home each day in tears, promising God out loud, over and over again, that I would take care of my health and take care of my finances. That is how I met my future self. She was like, don’t let this be us girlfriend and stop crying! But, according to studies, we humans have a hard time empathizing with our future selves. Could you even imagine your 30 or 40 year old self when you were in elementary or even high school? It’s like picturing a stranger. This difficulty explains why some people tend to favor short-term or immediate gratification over long-term planning and savings. Take time to picture the life you want to live in 5 years, 10 years, and 40 years, and create an emotional connection to your future self. Visualize the things you enjoy doing now, and think of retirement saving and planning as a way to continue doing those things and even more. However, research shows that people who interacted with their future selves were more willing to improve savings. Just hit me over the head, why don’t you! I do understand that some people can’t even pay attention or aren’t even interested in putting money away for their financial future because they have so much going on and so little to work with that they feel like they can’t even listen to or have a conversation about money. But there are things you’re doing that are not helping your financial position and could be trouble. You could be moving in the wrong direction. The goal is to get out of debt, increase your collateral capacity, use your own money in the most efficient manner and make financial decisions that will move you forward instead of backwards. Also make sure you are getting answers specific to your financial situation instead of blindly guessing! Contact us. We will be happy to help!

This is why, from this point on, no debt will be paid off. It can at best be bought back at a knock-down price and put back on to a debt market — the public sector borrowing requirement, the national debt, th e world deb t — having once again become an exchange value. It is unlikely the debt will ever be called in, and this is what gives it its incalculable value. For, suspended as it is in this way, it is our only insurance against time. Unlike the countdown, whic h signifies th e exhaustion of time, the indefinitely deferred debt is our guarantee that time itself is inexhaustible. Now, we very much need assuring about time in this way at the very poin t whe n the future itself is tendin g to be wholly consume d in real time . Clearing the debt, balancing up the books, writing off Third World debt — these are things not even to be contemplated. It is only the disequilibrium of the debt, its proliferation, its promise of infinity, which keeps us going. The global, planetary debt clearly has no meaning in traditional terms of obligation and credit. On the other hand, it is our true collective claim on each other — a symbolic claim, by whic h persons, companies and nations find themselves bound to one another through lack. Each is bound to the other (even the banks) by their virtual bankruptcy , as accomplices are bound by their crime. All assured of existing for each other in the shade of a debt which cannot be settled or written off, since the repayment of the accumulated world debt would take far more than the funds available. The only sense of it, then, is to bind all civilized human beings into the same destiny as creditors. Just as nuclear weapons, stockpiled across the world to a point of considerable planetary overkill, have no other meaning than to bind all human beings into a single destiny of threat and deterrence.

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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.

[A] central theme is why social, political, and economic institutions tend to coevolve in a manner that reinforces rather than undermines one another. The welfare state is not 'politics against markets,' as commonly assumed, but politics with markets. Although it is popular to think that markets, especially global ones, interfere with the welfare state, and vice versa, this notion is simply inconsistent with the postwar record of actual welfare state development. The United States, which has a comparatively small welfare state and flexible labor markets, has performed well in terms of jobs and growth during the past two decades; however, before then the countries with the largest welfare states and the most heavily regulated labor markets exceeded those in the United States on almost any gauge of economic competitiveness and performance. Despite the change in economic fortunes, the relationship between social protection and product market strategies continues to hold. Northern Europe and Japan still dominate high-quality markets for machine tools and consumer durables, whereas the United States dominates software, biotech, and other high-tech industries. There is every reason that firms and governments will try to preserve the institutions that give rise to these comparative advantages, and here the social protection system (broadly construed to include job security and protection through the industrial relations system) plays a key role. The reason is that social insurance shapes the incentives workers and firms have for investing in particular types of skills, and skills are critical for competitive advantage in human-capital-intensive economies. Firms do not develop competitive advantages in spite of systems of social protection, but because of it. Continuing this line of argument, the changing economic fortunes of different welfare production regimes probably has very little to do with growing competitive pressure from the international economy. To the contrary, it will be argued in Chapter 6 that the main problem for Europe is the growing reliance on services that have traditionally been closed to trade. In particular, labor-intensive, low-productivity jobs do not thrive in the context of high social protection and intensive labor-market regulation, and without international trade, countries cannot specialize in high value-added services. Lack of international trade and competition, therefore, not the growth of these, is the cause of current employment problems in high-protection countries.

In the future that globalists and feminists have imagined, for most of us there will only be more clerkdom and masturbation. There will only be more apologizing, more submission, more asking for permission to be men. There will only be more examinations, more certifications, mandatory prerequisites, screening processes, background checks, personality tests, and politicized diagnoses. There will only be more medication. There will be more presenting the secretary with a cup of your own warm urine. There will be mandatory morning stretches and video safety presentations and sign-off sheets for your file. There will be more helmets and goggles and harnesses and bright orange vests with reflective tape. There can only be more counseling and sensitivity training. There will be more administrative hoops to jump through to start your own business and keep it running. There will be more mandatory insurance policies. There will definitely be more taxes. There will probably be more Byzantine sexual harassment laws and corporate policies and more ways for women and protected identity groups to accuse you of misconduct. There will be more micro-managed living, pettier regulations, heavier fines, and harsher penalties. There will be more ways to run afoul of the law and more ways for society to maintain its pleasant illusions by sweeping you under the rug. In 2009 there were almost five times more men either on parole or serving prison terms in the United States than were actively serving in all of the armed forces.[64] If you’re a good boy and you follow the rules, if you learn how to speak passively and inoffensively, if you can convince some other poor sleepwalking sap that you are possessed with an almost unhealthy desire to provide outstanding customer service or increase operational efficiency through the improvement of internal processes and effective organizational communication, if you can say stupid shit like that without laughing, if your record checks out and your pee smells right—you can get yourself a J-O-B. Maybe you can be the guy who administers the test or authorizes the insurance policy. Maybe you can be the guy who helps make some soulless global corporation a little more money. Maybe you can get a pat on the head for coming up with the bright idea to put a bunch of other guys out of work and outsource their boring jobs to guys in some other place who are willing to work longer hours for less money. Whatever you do, no matter what people say, no matter how many team-building activities you attend or how many birthday cards you get from someone’s secretary, you will know that you are a completely replaceable unit of labor in the big scheme of things.

Collateral Capacity or Net Worth? If young Bill Gates had knocked on your door asking you to invest $10,000 in his new company, Microsoft, could you get your hands on the money? Collateral capacity is access to capital. Your net worth is irrelevant if you can’t access any of the money. Collateral capacity is my favorite wealth concept. It’s almost like having a Golden Goose! Collateral can help a borrower secure loans. It gives the lender the assurance that if the borrower defaults on the loan, the lender can repossess the collateral. For example, car loans are secured by cars, and mortgages are secured by homes. Your collateral capacity helps you to avoid or minimize unnecessary wealth transfers where possible, and accumulate an increasing pool of capital providing accessibility, control and uninterrupted compounding. It is the amount of money that you can access through collateralizing a loan against your money, allowing your money to continue earning interest and working for you. It’s very important to understand that accessibility, control and uninterrupted compounding are the key components of collateral capacity. It’s one thing to look good on paper, but when times get tough, assets that you can’t touch or can’t convert easily to cash, will do you little good. Three things affect your collateral capacity: ① The first is contributions into savings and investment accounts that you can access. It would be wise to keep feeding your Golden Goose. Often the lure of higher return potential also brings with it lack of liquidity. Make sure you maintain a good balance between long-term accounts and accounts that provide immediate liquidity and access. ② Second is the growth on the money from interest earned on the money you have in your account. Some assets earn compound interest and grow every year. Others either appreciate or depreciate. Some accounts could be worth a great deal but you have to sell or close them to access the money. That would be like killing your Golden Goose. Having access to money to make it through downtimes is an important factor in sustaining long-term growth. ③ Third is the reduction of any liens you may have against these accounts. As you pay off liens against your collateral positions, your collateral capacity will increase allowing you to access more capital in the future. The goose never quit laying golden eggs – uninterrupted compounding. Years ago, shortly after starting my first business, I laughed at a banker that told me I needed at least $25,000 in my business account in order to borrow $10,000. My business owner friends thought that was ridiculously funny too. We didn’t understand collateral capacity and quite a few other things about money.

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Barack, meanwhile, had managed to reverse the most serious economic crisis since the Great Depression. He’d helped to broker the Paris Agreement on climate change, brought tens of thousands of troops home from Iraq and Afghanistan, and led the effort to effectively shut down Iran’s nuclear program. Twenty million more people had the security of health insurance. And we’d managed two terms in office without a major scandal. We had held ourselves and the people who worked with us to the highest standards of ethics and decency, and we’d made it all the way through.

So my generation fell into the trap, internalizing the either/or as we thought of ourselves as ‘hot’ or ‘cold’ and falling victim, once again, to the terms by which our sex had been conveniently divided for so many years. To the degree that sex was the equivalent of the self, surrender to sex was to lose oneself, whereas abstinence would insure its safeguarding, if not its salvation (viv).

The odds that you will need some form of long-term care between now and the day you die are about 72 out of 100, or 72 percent. However, less than 30 percent of Americans over the age of 45 have purchased long-term care insurance to protect themselves from this need.

In fact, my colleague Peter D'Arruda ("Coach Pete") sums it up best when he says that no one is any safer than the person who has looked ahead and shifted the financial burden from their family to an insurance company in the form of life or long-term care insurance. There's really no better way to bring peace of mind with you into retirement

Long-term care is the one big risk that can wipe out your entire life's work, but many people don't have insurance to protect themselves from this risk.

But if you want to keep your money safe, liquid, and earning interest, one option is a US Treasury money market fund with checking privileges. True, these funds aren’t insured by the FDIC, but because they are tied only to US government debt and not to any corporations or banks that might default, the only way you can lose your money is if the government fails to pay its short-term obligations. If that happens, there is no US government, and all bets are off anyway!

Maintaining the caste system as it had always been was in their interest. And some were willing to accept short-term discomfort, forgo health insurance, risk contamination of the water and air, and even die to protect their long-term interest in the hierarchy as they had known it.

Unlike the house you live in, practically every expense attached to your rental property counts as a deductible business expense for tax purposes. Expenses to deduct include: • Mortgage interest • Property taxes • Insurance • Homeowners association dues • Advertising (to fill a vacancy) • Utilities • Repairs and maintenance • Pest control • Landscaping • Trash pickup • Depreciation What doesn’t count as an expense? Any major repairs or renovations you perform count as capital expenditures that get added to the cost basis of the property, effectively reducing your taxable income when you eventually sell.

DSM V, the diagnostic and statistical manual of politically sanctioned terms used by mental health providers to label patients for insurance reimbursement, the diagnosis “fear of joy” is noticeably absent.

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.

The stunning data we found confirmed what the One America CEO saw in January 2022: The Fourth Quarter results from some of the major insurers saw a range of increase in their loss ratio of between 25% and 45% from the 2019 baseline levels. And the losses continued to rise. Many of the CEOs blamed this huge increase on COVID and a strange new term that someone coined: “indirect COVID.

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

This was clear less than thirty minutes into the speech, when—as I debunked the phony claim that the bill would insure undocumented immigrants—a relatively obscure five-term Republican congressman from South Carolina named Joe Wilson leaned forward in his seat, pointed in my direction, and shouted, his face flushed with fury, “You lie!” For the briefest second, a stunned silence fell over the chamber. I turned to look for the heckler (as did Speaker Pelosi and Joe Biden, Nancy aghast and Joe shaking his head). I was tempted to exit my perch, make my way down the aisle, and smack the guy in the head. Instead, I simply responded by saying “It’s not true” and then carried on with my speech as Democrats hurled boos in Wilson’s direction. As far as anyone could remember, nothing like that had ever happened before a joint session address—at least not in modern times. Congressional criticism was swift and bipartisan, and by the next morning Wilson had apologized publicly for the breach of decorum, calling Rahm and asking that his regrets get passed on to me as well. I downplayed the matter, telling a reporter that I appreciated the apology and was a big believer that we all make mistakes. And yet I couldn’t help noticing the news reports saying that online contributions to Wilson’s reelection campaign spiked sharply in the week following his outburst. Apparently, for a lot of Republican voters out there, he was a hero, speaking truth to power. It was an indication that the Tea Party and its media allies had accomplished more than just their goal of demonizing the healthcare bill. They had demonized me and, in doing so, had delivered a message to all Republican officeholders: When it came to opposing my administration, the old rules no longer applied. —

Inwardly their spirit was utterly commercial, everything was seen by them in terms of money. It was their barrier, their defence, their hope for the future, their support for the present, it raised them above their fellowmen, and with it they warded off evil. The only mental qualities that they respected were those which produced money in substantial quantities, it was their one criterion of success, it was power and it was glory. To say that a man was poor was to label him a rotter, bad at his job, idle, feckless, immoral. If it was somebody whom they really rather liked, in spite of this cancer, they could add that he had been unlucky. They had taken care to insure against this deadly evil in many ways. That it should not overwhelm them through such cataclysms beyond their control as war or revolution they had placed huge sums of money in a dozen different countries; they owned ranches, and estancias, and South African farms, an hotel in Switzerland, a plantation in Malaya, and they possessed many fine diamonds, not sparkling round Linda’s lovely neck to be sure, but lying in banks, stone by stone, easily portable.

Once more, let’s run down the major points of this class: • Consider paying off your mortgage before you retire. • Start planning for how you will be able to keep working well into your 60s. • Save more today so you will be okay if you can’t afford to save in your 60s. • Make it a goal to delay when you start drawing Social Security, so you can earn a benefit that could be 80% bigger than if you start early. • Make sure all your retirement accounts are invested to complement one another. • Decide no later than age 59 if long-term care insurance should be part of your retirement plan.

The term ‘redlining’… comes from the development by the New Deal, by the federal government of maps of every metropolitan area in the country. And those maps were color-coded by first the Home Owners Loan Corp. and then the Federal Housing Administration and then adopted by the Veterans Administration, and these color codes were designed to indicate where it was safe to insure mortgages. And anywhere where African-Americans lived, anywhere where African-Americans lived nearby were colored red to indicate to appraisers that these neighborhoods were too risky to insure mortgages.”35

massive transitions to something entirely “new” were always defined in terms of a response to a violent external shock or the threat of one to come. World War II, for example, led to the introduction of cradle-to-grave state welfare systems in most of Europe. So did the Cold War: governments in capitalist countries were so worried by an internal communist rebellion that they put into place a state-led model to forestall it. This system, in which state bureaucrats managed large chunks of the economy, ranging from transportation to energy, stayed in place well into the 1970s. Today the situation is fundamentally different; in the intervening decades (in the Western world) the role of the state has shrunk considerably. This is a situation that is set to change because it is hard to imagine how an exogenous shock of such magnitude as the one inflicted by COVID-19 could be addressed with purely market-based solutions. Already and almost overnight, the coronavirus succeeded in altering perceptions about the complex and delicate balance between the private and public realms in favour of the latter. It has revealed that social insurance is efficient and that offloading an ever-greater deal of responsibilities (like health and education) to individuals and the markets may not be in the best interest of society.

In all, seventy-one insurance companies throughout the world had insured the Morro Castle for $4,200,000. One third of the total was underwritten by British companies, principally by Lloyd’s of London. But under the complicated limited-liability law of 1851, the Ward Line had little responsibility for insuring the passengers. In the event of disaster, the law stated that “only by proving the owners to have possessed knowledge of the unseaworthiness of the vessel or the inadequacy of the crew before the fatal sailing,” could passengers collect any insurance. In practical terms this was almost impossible. The real owners of the Morro Castle had virtually no knowledge of the ship—a state of affairs which, given the terms of the law, was very much in their best interests. The Ward Line was just one subsidiary in the powerful shipping complex of Atlantic Gulf and West Indies—AGWI. The involvement of Franklin D. Mooney, president of AGWI, with the Morro Castle, gives some indication of just how little the owners knew—or cared to know—about this particular piece of property.

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.

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

The system of profit equations that Jerome Levy wrote down in 1914 anticipated a similar set of equations written down by the Polish economist Michal Kalecki in 1935. And Kalecki’s system is regarded by a lot of people as containing nearly all of what’s useful in J. M. Keynes’ General Theory of Employment, Interest and Money, published in 1936 and widely accepted as one of the greatest works of economics ever. Levy went on to demonstrate that the proverb ‘if you’re so smart, why aren’t you rich?’ was not applicable in this case; aided by his sons, the Levy family went into finance with sufficient success that the Jerome Levy Forecasting Institute they endowed at Bard College continues to promote their approach to economics today. You used to be able to buy a copy of the book Jerome wrote in 1943, Economics Is an Exact Science, from them; I got mine in about 2002. In the introduction to that book, Levy sets out his view of the purpose of capitalism: The working class is the original and fundamental economic class . . . The function of the investing class is to serve the members of the working class by insuring them against loss and by providing them with desired goods. The justification for the existence of the investing class is the service it renders the working class, measured in terms of wages and desired goods. The contrary is not true. The working class does not exist to serve the investing class. The working class has the right to insure itself through organizations composed of its members or through government, thereby eliminating the investing class.

Even insurers who had helped stoke the opioid boom by refusing to pay for other kinds of pain treatment began to have second thoughts, though these were likely attributable to financial concerns rather than worries about patient welfare. It turns out that the opioid-driven approach to pain was costing them far more than they imagined, in terms of both patient care and addiction treatment.

comprehensivist.” (IBM’s Grundy coined this term. He’s also president of the Patient-Centered Primary Care Collaborative, a set of large employers, provider groups, and private insurers looking to transform health care.) Comprehensivists are skilled project

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.

The consequence is that arguing simply in terms of facts—how many people have no health insurance, how many degrees Earth has warmed in the last decade, how long it’s been since the last raise in the minimum wage—will likely fall on deaf ears. That’s not to say the facts aren’t important. They are extremely important.

Turns out that when you kill a god, people want to talk to you. Paranormal insurance salesmen with special "godslayer" term life policies. Charlatans with "god-proof" armor and extraplanar safe houses for rent. But, most notably, other gods, who want to first congratulate you on your achievement, second warn you not to try such shenanigans on them, and finally suggest that you try to slay one of their rivals-purely as a shenanigan, of course.

There can be no liberal politics without a sense of we—of what we are as citizens and what we owe each other. If liberals hope ever to recapture America’s imagination and become a dominant force across the country, it will not be enough to beat the Republicans at flattering the vanity of the mythical Joe Sixpack. They must offer a vision of our common destiny based on one thing that all Americans, of every background, actually share. And that is citizenship. We must relearn how to speak to citizens as citizens and to frame our appeals—including ones to benefit particular groups—in terms of principles that everyone can affirm. Ours must become a civic liberalism.* This does not mean a return to the New Deal. Future liberals cannot be like the liberals of yore; too much has changed. But it will require that the spell of identity politics that has held two generations in its thrall be broken so that we can focus on what we share as citizens. I hope to convince my fellow liberals that their current way of looking at the country, speaking to it, teaching the young, and engaging in practical politics has been misguided and counterproductive. Their abdication must end and a new approach must be embraced.   It is a bittersweet truth that there has never been a better opportunity in half a century for liberals to start winning the country back. Republicans since Trump’s election are in disarray and intellectually bankrupt. Most Americans now recognize that Reagan’s “shining city upon a hill” has turned into rust belt towns with long-shuttered shops, abandoned factories invaded by local grasses, cities where the water is undrinkable and guns are everywhere, and homes across the country where families are scraping by with part-time minimum-wage jobs and no health insurance. It is an America where Democrats, independents, and many Republican voters feel themselves abandoned by their country. They want America to be America again. But there is no again in politics, just the future. And there is no reason why the American future should not be a liberal one. Our message can and should be simple: we are a republic, not a campsite. Citizens are not roadkill. They are not collateral damage. They are not the tail of the distribution. A citizen, simply by virtue of being a citizen, is one of us. We have stood together to defend the country against foreign adversaries in the past. Now we must stand together at home to make sure that none of us faces the risk of being left behind. We’re all Americans and we owe that to each other. That’s what liberalism means.

When he had ate his fill, and proceeded from the urgent first cup and necessary second to the voluntary third which might be toyed with at leisure, without any particular outcry seeming to suggest he should be on his guard, he leant back, spread the city’s news before him, and, by glances between the items, took a longer survey of the room. Session of the Common Council. Vinegars, Malts, and Spirituous Liquors, Available on Best Terms. Had he been on familiar ground, he would have been able to tell at a glance what particular group of citizens in the great empire of coffee this house aspired to serve: whether it was the place for poetry or gluttony, philosophy or marine insurance, the Indies trade or the meat-porters’ burial club. Ships Landing. Ships Departed. Long Island Estate of Mr De Kyper, with Standing Timber, to be Sold at Auction. But the prints on the yellowed walls were a mixture. Some maps, some satires, some ballads, some bawdy, alongside the inevitable picture of the King: pop-eyed George reigning over a lukewarm graphical gruel, neither one thing nor t’other. Albany Letter, Relating to the Behaviour of the Mohawks. Sermon, Upon the Dedication of the Monument to the Late Revd. Vesey. Leases to be Let: Bouwerij, Out Ward, Environs of Rutgers’ Farm. And the company? River Cargos Landed. Escaped Negro Wench: Reward Offered. – All he could glean was an impression generally businesslike, perhaps intersown with law. Dramatic Rendition of the Classics, to be Performed by the Celebrated Mrs Tomlinson. Poem, ‘Hail Liberty, Sweet Succor of a Briton’s Breast’, Offered by ‘Urbanus’ on the Occasion of His Majesty’s Birthday. Over there there were maps on the table, and a contract a-signing; and a ring of men in merchants’ buff-and-grey quizzing one in advocate’s black-and-bands. But some of the clients had the wind-scoured countenance of mariners, and some were boys joshing one another. Proceedings of the Court of Judicature of the Province of New-York. Poor Law Assessment. Carriage Rates. Principal Goods at Mart, Prices Current. Here he pulled out a printed paper of his own from an inner pocket, and made comparison of certain figures, running his left and right forefingers down the columns together. Telescopes and Spy-Glasses Ground. Regimental Orders. Dinner of the Hungarian Club. Perhaps there were simply too few temples here to coffee, for them to specialise as he was used.

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The Economics of Property-Casualty Insurance With the acquisition of General Re — and with GEICO’s business mushrooming — it becomes more important than ever that you understand how to evaluate an insurance company. The key determinants are: (1) the amount of float that the business generates; (2) its cost; and (3) most important of all, the long-term outlook for both of these factors. To begin with, float is money we hold but don't own. In an insurance operation, float arises because premiums are received before losses are paid, an interval that sometimes extends over many years. During that time, the insurer invests the money. Typically, this pleasant activity carries with it a downside: The premiums that an insurer takes in usually do not cover the losses and expenses it eventually must pay. That leaves it running an "underwriting loss," which is the cost of float. An insurance business has value if its cost of float over time is less than the cost the company would otherwise incur to obtain funds. But the business is a lemon if its cost of float is higher than market rates for money. A caution is appropriate here: Because loss costs must be estimated, insurers have enormous latitude in figuring their underwriting results, and that makes it very difficult for investors to calculate a company's true cost of float. Errors of estimation, usually innocent but sometimes not, can be huge. The consequences of these miscalculations flow directly into earnings. An experienced observer can usually detect large-scale errors in reserving, but the general public can typically do no more than accept what's presented, and at times I have been amazed by the numbers that big-name auditors have implicitly blessed. As for Berkshire, Charlie and I attempt to be conservative in presenting its underwriting results to you, because we have found that virtually all surprises in insurance are unpleasant ones. The table that follows shows the float generated by Berkshire’s insurance operations since we entered the business 32 years ago. The data are for every fifth year and also the last, which includes General Re’s huge float. For the table we have calculated our float — which we generate in large amounts relative to our premium volume — by adding net loss reserves, loss adjustment reserves, funds held under reinsurance assumed and unearned premium reserves, and then subtracting agents balances, prepaid acquisition costs, prepaid taxes and deferred charges applicable to assumed reinsurance. (Got that?)

In 1898 the clouds of war between Spain and the United States accumulated over Cuba. President McKinley decided to deploy the battleship USS Maine to Havana, to insure the safety of Americans. As a backup, other ships were deployed to Key West and many other hot spots around the world involving Spain. Most Americans allied themselves with the Cuban people, and identified their movement with our American Revolutionary War. The arrival of the battleship Maine in Havana harbor with only 18 hours of advanced warning was contrary to diplomatic convention. At 9:40 p.m. on February 15, 1898, a massive explosion sank the ship while she was at anchor and took the lives of 268 sailors. Although the cause of the explosion was never proven to be sabotage, and was most likely caused by a smoldering fire in one of the ship’s coal bunkers, “Remember the Maine, To Hell with Spain!” became an American battle cry. What was termed “yellow journalism” had fired up the American public so much, that on April 11, 1898, President McKinley asked Congress for authority to send troops to Cuba to support the Cuban people in their revolt against Spain. The situation spun out of control when Spain declared war on the United States on April 23, 1898, and in turn, Washington declared war on Spain two days later.

The average deaf person has the peripheral vision of a fish-eye lens, almost 180 degrees, and spots the tiniest movement within this range long before the average hearing person can do so. In practical terms this superior visual acuity has led some automobile insurance companies in recent years to give sizable rate discounts to deaf drivers.

All purchases made on client’s behalf will be billed to client. In all cases, such prices will reflect a markup of ___%. Charges for sales tax, insurance, storage, and shipping and handling are additional to the price of each purchase. In the event client purchases materials, services, or any items other than those specified by the designer, the designer is not liable for the cost, quality, workmanship, condition, or appearance of such items. Schedule of Payment Hourly Rate: Regular billing periods (bimonthly, monthly) based on hours consumed or periodic approval points. Fee Billing: ___ percent upon project commencement, ___ percent following completion of concept development, ___ percent upon completion of design development, ___ percent upon completion of production, ___ percent upon completion of implementation. Invoices are payable upon receipt. Termination Policy Client and Designer may terminate project based upon mutually agreeable terms to be determined in writing, either prior to signing of this proposal or within the final Client-Designer Contract. Term of Proposal The information contained in this proposal is valid for 30 days. Proposals approved and signed by the Client are binding upon the Designer and Client beginning on the date of Client’s signature. If the information in this Proposal meets with Client’s approval, Client’s signature below authorizes Designer to begin work. Kindly return a signed copy of this Proposal/Agreement to Designer’s office. Designer Signature _____________ Print Designer Name _____________ Date _____________ Client Signature _____________ Print Client Name _____________ Date _____________

To understand what that means in commonsense terms, consider a person who plans to live off the income from $1 million invested in T-bills. Suppose he retires in a given year and converts his investments into an inflation-protected annuity with a return of 4% to 5%. He will receive an annual income of $40,000 to $50,000. But now suppose he retires a few years later, when the return on the annuity has dropped to 0.5%. His annual income will now be only $5,000. Yes, the $1 million principal amount was fully insured and protected, but you can see that he cannot possibly live on the amount he will now receive. T-bills preserve principal at all times, but the income received on them can vary enormously as return on the annuity goes up or down. Had the retiree bought instead a long-maturity U.S. Treasury bond with his $1 million, his spendable income would be secure for the life of the bond, even though the price of that bond would fluctuate substantially from day to day. The same holds true for annuities: Although their market value varies from day to day, the income from an annuity is secure throughout the retiree’s life.

would the Volcker amendment, had it been law in 2007, have prevented the 2008 financial crisis? The financial crisis was caused by the overleveraging of real estate-related securities in Bear Stearns and Lehman Brothers, which were investment banks and would not have fallen under the purview of the Volcker amendment. Nor would it have applied to the insurance giant AIG, which the Fed chose to save after seeing the turmoil unleashed by the Lehman bankruptcy. Furthermore, banks that obtained loans from the Fed, specifically Citibank and Bank of America, ran into trouble because of bad real estate loans, not proprietary trading. Given this history, it is dubious that the Volcker amendment, had it been in effect in 2007, would have changed the course of the financial crisis.

Global Insurance Travel Medical Coverage GeoBlueAffiliate Available for PrestigeCare Private Health Advisory Members GeoBlue Voyager Global Insurance for Single-Trip International Travel travel insurance Global insurance health coverage may be the last thought we have when planning a trip to another country. Most people do not even realize that while traveling, your current medical insurance can be useless in some countries or that your usual over-the-counter medications are prohibited in many locations. Protect Your Health Around the World. What is GeoBlue VoyagerSM? Short-term travel medical insurance for U.S. residents traveling abroad. Why Choose GeoBlue? Strength of a U.S. Insurer Underwritten by 4 Ever Life Insurance Company, rated A- (Excellent) by A.M. Best. 4 Ever Life is an independent licensee of the Blue Cross and Blue Shield Association. Better Coverage: Our plans are U.S. licensed and feature coverage more generous than plans sold as “surplus coverage.” Our plans do not restrict illnesses or injuries resulting from a terrorist act. We do not impose precertification penalties for hospitalization. We provide coverage for pre-existing conditions for medical evacuation. Pre-existing conditions are also covered in all instances by our Choice plan. A Better Kind of Care: International travelers can leave home feeling confident that a trusted source of care is available at a moment’s notice - no matter what town, country or time zone, with global insurance. Travel anywhere knowing that if your health is a concern, getting good care is not. Global insurance coverage is available through PrestigeCare Private Health Advisory's affiliate partner, GeoBlue. You will have access to short-term global insurance health coverage options that best suit your needs while traveling. Just another way PrestigeCare Private Health Advisory looks out for all your health and wellness needs.* At PrestigeCare, we provide health solution services. *Up to $250,000 of coverage available through our affiliated partner for an unlimited number of trips of a maximum of 30 days in duration.

Global Insurance Travel Medical Coverage GeoBlueAffiliate Available for PrestigeCare Private Health Advisory Members GeoBlue Voyager Global Insurance for Single-Trip International Travel travel insurance Global insurance health coverage may be the last thought we have when planning a trip to another country. Most people do not even realize that while traveling, your current medical insurance can be useless in some countries or that your usual over-the-counter medications are prohibited in many locations. Protect Your Health Around the World. What is GeoBlue VoyagerSM? Short-term travel medical insurance for U.S. residents traveling abroad. Why Choose GeoBlue? Strength of a U.S. Insurer Underwritten by 4 Ever Life Insurance Company, rated A- (Excellent) by A.M. Best. 4 Ever Life is an independent licensee of the Blue Cross and Blue Shield Association. Better Coverage: Our plans are U.S. licensed and feature coverage more generous than plans sold as “surplus coverage.” Our plans do not restrict illnesses or injuries resulting from a terrorist act. We do not impose precertification penalties for hospitalization. We provide coverage for pre-existing conditions for medical evacuation. Pre-existing conditions are also covered in all instances by our Choice plan. A Better Kind of Care: International travelers can leave home feeling confident that a trusted source of care is available at a moment’s notice - no matter what town, country or time zone, with global insurance. Travel anywhere knowing that if your health is a concern, getting good care is not. Global insurance coverage is available through PrestigeCare Private Health Advisory's affiliate partner, GeoBlue. You will have access to short-term global insurance health coverage options that best suit your needs while traveling. Just another way PrestigeCare Private Health Advisory looks out for all your health and wellness needs.* At PrestigeCare, we provide health solution services. *Up to $250,000 of coverage available through our affiliated partner for an unlimited number of trips of a maximum of 30 days in duration.

I write these words in May of 2011, the week after a huge outbreak of tornadoes killed hundreds across the American South; it was the second recent wave of twisters of unprecedented size and intensity. In Texas, a drought worse than the Dust Bowl has set huge parts of the state ablaze. Meanwhile, the Army Corps of Engineers is moving explosives into place to blow up a levee along the Mississippi River, swollen by the the third “100-year-flood” in the last twenty years—though as the director of the Federal Emergency Management Administration noted at the end of 2010, “the term ‘100-year event’ really lost its meaning this year.” That’s because 2010 was the warmest year recorded, a year when 19 nations set new all-time high temperature records. The Arctic melted apace; Russia suffered a heat wave so epic that the Kremlin stopped all grain exports to the rest of the world; and nations from Australia to Pakistan suffered flooding so astonishing that by year’s end the world’s biggest insurance company, Munich Re, issued this statement: “The only plausible explanation for the rise in weather-related catastrophes is climate change. The view that weather extremes are more frequent and intense due to global warming coincides with the current state of scientific knowledge.” And that’s not the bad news. The bad news is that on April 6, the U.S. House of Representatives was presented with the following resolution: “Congress accepts the scientific findings of the Environmental Protection Agency that climate change is occurring, is caused largely by human activities, and poses significant risks for public health and welfare.” The final vote on the resolution? 184 in favor, 240 against. When some future Gibbon limns the decline and fall of our particular civilization, this may be one of the moments he cites.

The term insurance is the true insurance plan, wherein the amount is paid only on death. If the

The five major sources of income which are exempt for NRIs are: Proceeds from Life Insurance Policy - provided the policy complies with the exemption criteria/conditions Dividend from a domestic company or mutual fund scheme - provided the company or mutual fund scheme has paid the Dividend Distribution Tax (DDT), if applicable Interest on an NRE account – provided the NRE account is maintained as per the FEMA rules Interest on FCNR or RFC accounts – provided the account owner is a non-resident or RBNOR under the Income Tax Act Long Term Capital Gain on equity and equity based mutual fund – provided the Security Transaction Tax (STT) has been paid

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

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Government inflation-protected securities (in the United States, these are Treasury Inflation-Protected Securities, or TIPS) A low-cost total U.S. domestic equity (stock) index fund, either a mutual fund or an exchange-traded fund (ETF—i.e., a sort of mutual fund that can be traded like stocks on an exchange) A low-cost total international equity index fund, either a mutual fund or an ETF Single-premium income annuities Low-cost term life insurance

She had a long-term care insurance policy, purchased in 1993 when she was seventy-eight, for almost $7,000 a month, a most unusual expenditure for someone in her age group, that wound up costing a total of $53,600.

(The term “sheep-dipped” appears in The New York Times version of the Pentagon Papers without clarification. It is an intricate Army-devised process by which a man who is in the service as a full career soldier or officer agrees to go through all the legal and official motions of resigning from the service. Then, rather than actually being released, his records are pulled from the Army personnel files and transferred to a special Army intelligence file. Substitute but nonetheless real-appearing records are then processed, and the man “leaves” the service. He is encouraged to write to friends and give a cover reason why he got out. He goes to his bank and charge card services and changes his status to civilian, and does the hundreds of other official and personal things that any man would do if he really had gotten out of the service. Meanwhile, his real Army records are kept in secrecy, but not forgotten. If his contemporaries get promoted, he gets promoted. All of the things that can be done for his hidden records to keep him even with his peers are done. Some very real problems arise in the event he gets killed or captured as a prisoner. There are problems with insurance and with benefits his wife would receive had he remained in the service. At this point, sheep-dipping gets really complicated, and each case is handled quite separately.)

The unprecedented bull market in Treasury bonds, supported by the belief that Treasury bonds are “insurance policies” in the case of financial collapse, could end as badly as the bull market in technology stocks did at the turn of the century. When economic growth increases, Treasury bondholders will receive the double blow of rising interest rates and loss of safe-haven status. One of the prime lessons learned from long-term analysis is that no asset class can stay permanently detached from fundamentals. Stocks had their comeuppance when the technology bubble burst and the financial system crashed. It is quite likely that bondholders will suffer a similar fate as the liquidity created by the world’s central banks turns into stronger economic growth and higher inflation.

For our purposes, the term homesteading simply refers to a lifestyle that promotes greater self-sufficiency and resilience while providing insurance against “the system” by simplifying the complexities of our modern society and our lives down to focus on addressing our basic needs. Think

Shelby put in her time, did the right thing, took good care of her mom, and now it’s her turn. She’s going to go back to school. She says she’s going to be a nurse, but you watch—she’ll end up a doctor or something. She’s quiet, but scary smart. She has money from selling a paid-off house—so she can travel all over the world, pay for a dozen years of college. You know how important that is, we’ve been all over the world and it’s worth seeing.” Aiden laughed. “I hope she sees better parts than we did. You saw a bunch of deserts, I went to sea, medical officer on a ship…” “But it all counts. Life experience—it’s worth it. She’s young—she has time to look around. I’ll tell you what—that girl’s going to have men hunting her down, she’s that good-looking. She never had that before. In high school she was shy, had a couple of short-term boyfriends, but she lost a lot of shyness, got tougher and more aggressive while she was taking care of her mom and had to go up against doctors and therapists and hospitals and insurance companies.” His eyes glistened proudly. “Believe me, she’s ready now. It’s her time.” He’s letting her go, Aiden thought. For her, though it’s going to kill him.

In home furnishing terms, past a certain point, more money doesn’t get you anything except an increase in insurance premiums. An

Mortgage Workouts Even if you don’t qualify for any of the government loan modification programs or your lender doesn’t agree to participate, you may be able to arrange a “mortgage workout.” A workout is any agreement you make with the lender that changes how you pay the delinquency on your mortgage or otherwise keeps you out of foreclosure. Many lenders require this formal process even for short-term fixes. Here are some workout options your lender might agree to: • Spread repayment of missed payments over a few months. For example, if your monthly payment is $1,000 and you missed two payments ($2,000), the lender might let you pay $1,500 for four months. • Reduce or suspend your regular payments for a specified time, and then add a portion of your overdue amount to your regular payments later on. • Extend the length of your loan and add the missed payments at the end. • For a period of time, suspend the amount of your monthly payment that goes toward the principal and only require payment of interest, taxes, and insurance. • Let you sell the property for less than you owe the lender and waive the rest. This is called a “short sale.” It’s best to start the workout negotiations as early as possible. But before you contact the lender about a workout, you should prepare information about your situation, including: • a reasonable budget for the

For most people, “buy term insurance and invest the difference” ends up being “buy term and spend the difference.”   “Most people’s egos prefer THEIR facts to THE facts.” —Dan Kennedy, marketing guru and author

Unhorsing capitalism was never the New Deal’s intent anyway. Especially since the outset of the war, the regime had largely come to agreeable terms with big business interests. It shed most programmatic overtures to universalize the welfare state and extend it into areas like health and housing. Structural reconfigurations of power relations in the economy, long-term economic planning, and state ownership or management of capital investments (commonplace during the war) were all offensive to the new centers of the postwar policy making, what soon enough would be widely referred to as the Establishment. Moreover, the “welfare state,” for all the tears now shed over its near death, was in its origins in late-nineteenth-century Europe a creature of conservative elitists like Bismarck or David Lloyd George, and had been opposed by the left as a means of defusing working-class power and independence, a program installed without altering the basic configurations of wealth and political control. As the center of gravity shifted away from the Keynesian commonwealth toward what one historian has called “commercial Keynesianism” and another “the corporate commonwealth,” labor and its many allies among middle-class progressives and minorities found themselves fighting on less friendly terrain. If they could no longer hope to win in the political arena measures that would benefit all working people—like universal health insurance, for example—trade unions could pursue those objectives for their own members where they were most muscular, especially in core American industries like auto and steel. So the labor movement increasingly chose to create mini private welfare states.

During this first term [as Burlington mayor in 1981] I discovered that the city was wasting substantial sums of money on its insurance policies. Companies, year after year, were getting the city’s business at substantially higher than market rates. I instituted a radical socialist concept, 'competitive' bidding, which saved the city tens of thousands of dollars.

We remember when President Obama was defending the ObamaCare bill. He promised the American people that as a result of ObamaCare, the averagefamily's health insurance premium would drop $2,500. He said: That is going to happen by the end of my first term. I would point out that the President's first term ended 9 months ago, and by the end of the President's first term, that promise was proven not just a little off the mark, not just kind of sort of a little bit not entirely accurate; it was proven 100 percent, categorically, objectively false.   Let

It is common for one party to a transaction to have better information than another party. In the parlance of economists, such a case is known as an information asymmetry. We accept as a verity of capitalism that someone (usually an expert) knows more than someone else (usually a consumer). But information asymmetries everywhere have in fact been gravely wounded by the Internet. 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. The Internet has proven particularly fruitful for situations in which a face-to-face encounter with an expert might actually exacerbate the problem of asymmetrical information—situations in which an expert uses his informational advantage to make us feel stupid or rushed or cheap or ignoble. Consider a scenario in which your loved one has just died and now the funeral director (who knows that you know next to nothing about his business and are under emotional duress to boot) steers you to the $8,000 mahogany casket. Or consider the automobile dealership: a salesman does his best to obscure the car’s base price under a mountain of add-ons and incentives. Later, however, in the cool-headed calm of your home, you can use the Internet to find out exactly how much the dealer paid the manufacturer for that car. Or you might just log on to TributeDirect.com and buy that mahogany casket yourself for only $3,595, delivered overnight.

At Loan Corp, we have invested in slick tech-based systems to ensure a seamless journey for our customers. From consumer finance such as mortgages, remortgages, secured loans, banks, credit cars and insurance, we API directly into our top-tier lenders that match your requirements. Our commercial offerings are bridging loans, auction finance, development loans, loans to buy land and all aspects of commercial finance. Offering short- and long-term business loans in the UK from a wide range of products such as invoice finance, cash flow loans and even small business loans for bad credit.

Aim for Full Replacement Cost While policies and terms vary, get the closest you can to 100% replacement value for your dwelling. This way your insurance will cover any full loss of the property. Often, state court rulings will outline how insurance contracts are interpreted in each state. Talk to your broker, attorney, or another expert in the area. If you are not able to get guaranteed replacement cost, look at extended dwelling coverage options.

The Bowie Bond, as it was known, was attractive to insurance companies, which have to make regular payments to their beneficiaries years into the future. Owning a long-term bond, like a Bowie Bond, is how they hedge risk, because they need an asset that offers a regular stream of payouts. Prudential paid $55 million and in exchange got a 7.9 percent interest payment on their principal for fifteen years.* These interest payments were financed by the income generated by royalties from Bowie’s albums recorded before 1990. If for some reason the music did not generate enough revenue (and exhausted a reserve fund), Bowie’s catalog would be owned by Prudential. But that did not happen, since the income from music royalties is fairly stable for older artists with established catalogs.

[...]And this, this is radical democracy. The democratic principle was of the order of merit, and equivalence (albeit relative) between merit and recognition. Here, in the Loft, there is no equivalence between merit and glory. It is everything in exchange for nothing. A complete principle of inequivalence. The democratic illusion is thus elevated to the highest degree: the maximal exaltation for a minimal qualification. And, while the traditional principle merely insured a partial recognition for merit, the operation of the Loft insures a virtual glory to everyone in terms of the absence of merit itself. On one hand, it is the end of democracy, by the extinction of any qualification of merit whatsoever, but on the other hand, it is the result of an even more radical democracy on the basis of the beatification of the man without qualities. It is a great step towards democratic nihilism.