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If a person leads an ‘active’ life, as Wiggs had, if a person has goals, ideals, a cause to fight for, then that person is distracted, temporarily, from paying a whole lot of attention to the heavy scimitar that hangs by a mouse hair just about his or her head. We, each of us, have a ticket to ride, and if the trip be interesting (if it’s dull, we have only ourselves to blame), then we relish the landscape (how quickly it whizzes by!), interact with our fellow travelers, pay frequent visits to the washrooms and concession stands, and hardly ever hold up the ticket to the light where we can read its plainly stated destination: The Abyss. Yet, ignore it though we might in our daily toss and tussle, the fact of our impending death is always there, just behind the draperies, or, more accurately, inside our sock, like a burr that we can never quite extract. If one has a religious life, one can rationalize one’s slide into the abyss; if one has a sense of humor (and a sense of humor, properly developed, is superior to any religion so far devised), one can minimalize it through irony and wit. Ah, but the specter is there, night and day, day in and day out, coloring with its chalk of gray almost everything we do. And a lot of what we do is done, subconsciously, indirectly, to avoid the thought of death, or to make ourselves so unexpendable through our accomplishments that death will hesitate to take us, or, when the scimitar finally falls, to insure that we ‘live on’ in the memory of the lucky ones still kicking.

That night, I continued my on-going chat with God. “Did Pam’s prayer count? I love her. And I understand her wanting a ticket to heaven, but her prayer seemed more like fire insurance against hell than a heartfelt desire to hang out with You.”    “Don’t worry.” God smiled. “No one comes to me with pure motives.”    Wow! I thought for a minute. “You really do love us, don’t You?”    “I do.

Life assurance* is a lottery ticket we buy for our kids. *also called Life insurance 28 Jun National Insurance Awareness Day

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

When a volcano lets fly or an earthquake brings down a mountainside, people look upon the event with surprise and report it to each other as news. People, in their whole history, have seen comparatively few such events; and only in the past couple of hundred years have they begun to sense the patterns the events represent. Human time, regarded in the perspective of geologic time, is much too thin to be discerned—the mark invisible at the end of a ruler. If geologic time could somehow be seen in the perspective of human time, on the other hand, sea level would be rising and falling hundreds of feet, ice would come pouring over continents and as quickly go away. Yucatáns and Floridas would be under the sun one moment and underwater the next, oceans would swing open like doors, mountains would grow like clouds and come down like melting sherbet, continents would crawl like amoebae, rivers would arrive and disappear like rainstreaks down an umbrella, lakes would go away like puddles after rain, and volcanoes would light the earth as if it were a garden full of fireflies. At the end of the program, man shows up—his ticket in his hand. Almost at once, he conceives of private property, dimension stone, and life insurance. When a Mt. St. Helens assaults his sensibilities with an ash cloud eleven miles high, he writes a letter to the New York Times recommending that the mountain be bombed.

People treated all remote probabilities as if they were possibilities. To create a theory that would predict what people actually did when faced with uncertainty, you had to “weight” the probabilities, in the way that people did, with emotion. Once you did that, you could explain not only why people bought insurance and lottery tickets. You could even explain the Allais paradox.*

I’ve seen hundreds of ’em, bit of breakfast in hand, running wild and shining to catch their little season-ticket train, for fear they’d get dismissed if they didn’t; working at businesses they were afraid to take the trouble to understand; skedaddling back for fear they wouldn’t be in time for dinner; keeping indoors after dinner for fear of the back streets, and sleeping with the wives they married, not because they wanted them, but because they had a bit of money that would make for safety in their one little miserable skedaddle through the world. Lives insured and a bit invested for fear of accidents. And on Sundays—fear of the hereafter. As if hell was built for rabbits! Well, the Martians will just be a godsend to these. Nice roomy cages, fattening food, careful breeding, no worry.

I was recently pulled over by the police in the wee hours of the morning on my way to vacation in Alabama. I was traveling with my family, and my wife and kids were asleep. I was on the phone with my brother Al, trying to get directions to our beach house. There was no one else on the road as I was driving through a small town. All of a sudden, flashing lights appeared out of nowhere and I pulled over. The lights woke up everybody in the car, and one of my kids said, “Maybe the policeman watches Duck Dynasty.” The officer came up to my window and asked for my driver’s license and insurance card. When I began to speak to the policeman, he put his hand on his holstered gun. My wife said, “Guess he’s not a fan.” The cop gave me a speeding ticket for driving forty-four miles per hour in a thirty-mile-per-hour zone, which was fine. Hey, I broke the law! But what made me a bit uncomfortable was that every time I opened my mouth he put his hand on his gun!

You’re so bright, Trav, and so intuitive about people. And you have … the gift of tenderness. And sympathy. You could be almost anything.” “Of course!” I said, springing to my feet and beginning to pace back and forth through the lounge. “Why didn’t I think of that! Here I am, wasting the golden years on this lousy barge, getting all mixed up with lame-duck women when I could be out there seeking and striving. Who am I to keep from putting my shoulder to the wheel? Why am I not thinking about an estate and how to protect it? Gad, woman, I could be writing a million dollars a year in life insurance. I should be pulling a big oar in the flagship of life. Maybe it isn’t too late yet! Find the little woman, and go for the whole bit. Kiwanis, P.T.A., fund drives, cookouts, a clean desk, and vote the straight ticket, yessiree bob. Then when I become a senior citizen, I can look back upon …” I stopped when I heard the small sound she was making. She sat with her head bowed. I went over and put my fingertips under her chin. I tilted her head up and looked down into her streaming eyes. “Please, don’t,” she whispered. “You’re beginning to bring out the worst in me, woman.” “It was none of my business.” “I will not dispute you.” “But … who did this to you?” “I’ll never know you well enough to try to tell you, Lois.” She tried to smile. “I guess it can’t be any plainer than that.” “And I’m not a tragic figure, no matter how hard you try to make me into one. I’m delighted with myself, woman.” “And you wouldn’t say it that way if you were.” “Spare me the cute insights.

This is related to the phenomenon of the Professional Smile, a national pandemic in the service industry; and noplace in my experience have I been on the receiving end of as many Professional Smiles as I am on the Nadir, maître d’s, Chief Stewards, Hotel Managers’ minions, Cruise Director—their P.S.’s all come on like switches at my approach. But also back on land at banks, restaurants, airline ticket counters, on and on. You know this smile—the strenuous contraction of circumoral fascia w/ incomplete zygomatic involvement—the smile that doesn’t quite reach the smiler’s eyes and that signifies nothing more than a calculated attempt to advance the smiler’s own interests by pretending to like the smilee. Why do employers and supervisors force professional service people to broadcast the Professional Smile? Am I the only consumer in whom high doses of such a smile produce despair? Am I the only person who’s sure that the growing number of cases in which totally average-looking people suddenly open up with automatic weapons in shopping malls and insurance offices and medical complexes and McDonald’ses is somehow causally related to the fact that these venues are well-known dissemination-loci of the Professional Smile? Who do they think is fooled by the Professional Smile? And yet the Professional Smile’s absence now also causes despair. Anybody who’s ever bought a pack of gum in a Manhattan cigar store or asked for something to be stamped FRAGILE at a Chicago post office or tried to obtain a glass of water from a South Boston waitress knows well the soul-crushing effect of a service worker’s scowl, i.e. the humiliation and resentment of being denied the Professional Smile. And the Professional Smile has by now skewed even my resentment at the dreaded Professional Scowl: I walk away from the Manhattan tobacconist resenting not the counterman’s character or absence of goodwill but his lack of professionalism in denying me the Smile. What a fucking mess.

Waste of what?” “Of you! It seems degrading. Forgive me for saying that. I’ve seen those African movies. The lion makes a kill and then clever animals come in and grab something and run. You’re so bright, Trav, and so intuitive about people. And you have … the gift of tenderness. And sympathy. You could be almost anything.” “Of course!” I said, springing to my feet and beginning to pace back and forth through the lounge. “Why didn’t I think of that! Here I am, wasting the golden years on this lousy barge, getting all mixed up with lame-duck women when I could be out there seeking and striving. Who am I to keep from putting my shoulder to the wheel? Why am I not thinking about an estate and how to protect it? Gad, woman, I could be writing a million dollars a year in life insurance. I should be pulling a big oar in the flagship of life. Maybe it isn’t too late yet! Find the little woman, and go for the whole bit. Kiwanis, P.T.A., fund drives, cookouts, a clean desk, and vote the straight ticket, yessiree bob. Then when I become a senior citizen, I can look back upon …

On June 18, five hours after he had talked to his cousin Bill Hapscomb, Joe Bob Brentwood pulled down a speeder on Texas Highway 40 about twenty-five miles east of Arnette. The speeder was Harry Trent of Braintree, an insurance man. He had been doing sixty-five miles per in a fifty-mile-an-hour zone. Joe Bob gave him a speeding ticket. Trent accepted it humbly and then amused Joe Bob by trying to sell him insurance on his house and his life. Joe Bob felt fine; dying was the last thing on his mind. Nevertheless, he was already a sick man. He had gotten more than gas at Bill Hapscomb’s Texaco. And he gave Harry Trent more than a speeding summons. Harry, a gregarious man who liked his job, passed the sickness to more than forty people during that day and the next. How many those forty passed it to is impossible to say—you might as well ask how many angels can dance on the head of a pin. If you were to make a conservative estimate of five apiece, you’d have two hundred. Using the same conservative formula, one could say those two hundred went on to infect a thousand, the thousand five thousand, the five thousand twenty-five thousand. Under the California desert and subsidized by the taxpayers’ money, someone had finally invented a chain letter that really worked. A very lethal chain letter.

Sharply the menacing wind sweeps over The bending poplars, newly bare, And the dark ribbons of the chimneys Veer downward; flicked by whips of air. Torn posters flutter; coldly sound The boom of trams and the rattle of hooves, And the clerks who hurry to the station Look, shuddering, over the eastern rooves, Thinking, each one, "Here comes the winter! "Please God I keep my job this year!" And bleakly, as the cold strikes through Their entrails like an icy spear, They think of rent, rates, season tickets, Insurance, coal, the skivvy's wages, Boots, school-bills and the next installment Upon the two twin beds from Drage's. For if in careless summer days In groves of Ashtaroth we whored, Repentant now, when winds blow cold, We kneel before our rightful lord; The lord of all, the money-god, Who rules us blood and hand and brain, Who gives the roof that stops the wind, And, giving, takes away again; Who spies with jealous, watchful care, Our thoughts, our dreams, our secret ways, Who picks our words and cuts our clothes, And maps the pattern of our days; Who chills our anger, curbs our hope. And buys our lives and pays with toys, Who claims as tribute broken faith, Accepted insults, muted joys; Who binds with chains the poet's wit, The navvy's strength, the soldier's pride, And lays the sleek, estranging shield Between the lover and his bride.

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

Well, those who mean to escape their catching must get ready. I’m getting ready. Mind you, it isn’t all of us that are made for wild beasts; and that’s what it’s got to be. That’s why I watched you. I had my doubts. You’re slender. I didn’t know that it was you, you see, or just how you’d been buried. All these—the sort of people that lived in these houses, and all those damn little clerks that used to live down that way—they’d be no good. They haven’t any spirit in them—no proud dreams and no proud lusts; and a man who hasn’t one or the other—Lord! What is he but funk and precautions? They just used to skedaddle off to work—I’ve seen hundreds of ’em, bit of breakfast in hand, running wild and shining to catch their little season-ticket train, for fear they’d get dismissed if they didn’t; working at businesses they were afraid to take the trouble to understand; skedaddling back for fear they wouldn’t be in time for dinner; keeping indoors after dinner for fear of the back streets, and sleeping with the wives they married, not because they wanted them, but because they had a bit of money that would make for safety in their one little miserable skedaddle through the world. Lives insured and a bit invested for fear of accidents. And on Sundays—fear of the hereafter. As if hell was built for rabbits! Well, the Martians will just be a godsend to these. Nice roomy cages, fattening food, careful breeding, no worry. After a week or so chasing about the fields and lands on empty stomachs, they’ll come and be caught cheerful. They’ll be quite glad after a bit. They’ll wonder what people did before there were Martians to take care of them. And the bar loafers, and mashers, and singers—I can imagine them. I can imagine them,” he said, with a sort of sombre gratification. “There’ll be any amount of sentiment and religion loose among them. There’s hundreds of things I saw with my eyes that I’ve only begun to see clearly these last few days. There’s lots will take things as they are—fat and stupid; and lots will be worried by a sort of feeling that it’s all wrong, and that they ought to be doing something. Now whenever things are so that a lot of people feel they ought to be doing something, the weak, and those who go weak with a lot of complicated thinking, always make for a sort of do-nothing religion, very pious and superior, and submit to persecution and the will of the Lord. Very likely you’ve seen the same thing. It’s energy in a gale of funk, and turned clean inside out. These cages will be full of psalms and hymns and piety. And those of a less simple sort will work in a bit of—what is it?—eroticism.

Christianity is not an insurance ticket that provides eternal life; rather, it is a personal relationship with a Leader who wants you to follow Him and not go your own way. He wants you to devote your life to Him as a knight would be completely devoted to his king.

People’s emotional response to extremely long odds led them to reverse their usual taste for risk, and to become risk seeking when pursuing a long-shot gain and risk avoiding when faced with the extremely remote possibility of loss. (Which is why they bought both lottery tickets and insurance.)

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When I met him, Don’s New York State driver’s license had been suspended; this happens when you’ve drawn enough speeding tickets, and he was always good at that. He wouldn’t have wanted a car anyway on West 46th Street, but that changed when he moved out to Canarsie. And the day came when the three-year suspension was up, and his license was restored. Whereupon he bought a car, and applied for insurance. And was astonished when the insurance company gave him a safe driver discount because he hadn’t had an accident or a speeding ticket in the past three years. There’s a word for that sort of thing. Westlakean.

Flexible benefits are just becoming an option for some workers. But more creativity is needed to take benefits to their natural end in organizations looking for self-determination and self-management. Employees should be able to customize their health plans, pension fund contributions, insurance, meal tickets, and even health club or collective purchasing programs. By letting the employees make their own calculations and freely choose their own health benefits, we transfer responsibility to our people. We hand them their freedom.

People’s emotional response to extremely long odds led them to reverse their usual taste for risk, and to become risk seeking when pursuing a long-shot gain and risk avoiding when faced with the extremely remote possibility of loss. (Which is why they bought both lottery tickets and insurance.) “If you think about the possibilities at all, you think of them too much,” said Danny. “When your daughter is late and you worry, it fills your mind even when you know there is very little to fear.” You’d pay more than you should to rid yourself of that worry. People

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Traffic tickets and license related issues can be difficult to navigate. The typical situation is often more complicated than just a simple fine payment. Points on a license, insurance increases, assessments based on point accumulation, potential employment implications, suspension or revocation of your privilege to drive. Failure to manage even a single traffic violation properly could have a massive impact. If you’re dealing with a ticket or related issue, it’s always a good idea to do a little research before deciding how to proceed. We’ve been doing this for a long time, and these types of issues have and continue to be the sole focus of our firm. Our traffic ticket lawyers in NYC and beyond are happy to offer free consultations to anyone who contacts us.

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

Brainstorm about all the recurring expenditures that you could eliminate or reduce to cut your expenses. Car insurance, cell-phone bills, lunch money, movie tickets. Think about where you can make changes.

Whites may be surprised by the strength of black voter solidarity. Chris Bell, a white Democratic congressman from Texas, was redistricted into a largely black area and promptly crushed in the 2004 Democratic primary by the former head of the Houston chapter of the NAACP. He felt betrayed: He said he had spent his entire career “fighting for diversity, championing diversity,” and was dismayed that “many people do not want to look past the color of your skin.” This only demonstrated how little Mr. Bell understood blacks. As Bishop Paul Morton of the St. Stephen Full Gospel Baptist Church in New Orleans said of black voters, “I’ve talked to some people who say, ‘I don’t care how bad the black is, he’s better than any white.’” Many blacks also expect all blacks to vote the same way. Jesse Jackson criticized Alabama congressman Artur Davis for voting against Mr. Obama’s signature medical insurance legislation, saying, “You can’t vote against healthcare and call yourself a black man.” Racial consciousness explains why President Barack Obama drew support even from blacks who ordinarily vote Republican. No fewer than 87 percent of blacks who identified themselves as conservatives said they would vote for him. In the three states that track party registration by race—Florida, Louisiana, and North Carolina—blacks were dropping off the Republican rolls in record numbers and rallying to the Democrats. As one GOP black explained during the primaries, “Most black Republicans who support John McCain won’t tell you this, but if Barack Obama is the nominee for the Democratic ticket, they will go into the voting booth in November and vote for Obama.” “Among black conservatives, they tell me privately, it would be very hard to vote against him [Obama] in November,” said black conservative radio host Armstrong Williams. During the campaign, former San Francisco mayor Willie Brown said, “I think most white politicians do not understand that the race pride we [blacks] all have trumps everything else.

Acentury ago, a band of brave souls became known as one-way missionaries. They purchased single tickets to the mission field without the return half. And instead of suitcases, they packed their few earthly belongings into coffins. As they sailed out of port, they waved good-bye to everyone they loved, everything they knew. They knew they’d never return home. A. W. Milne was one of those missionaries. He set sail for the New Hebrides in the South Pacific, knowing full well that the headhunters who lived there had martyred every missionary before him. Milne did not fear for his life, because he had already died to himself. His coffin was packed. For thirty-five years, he lived among that tribe and loved them. When he died, tribe members buried him in the middle of their village and inscribed this epitaph on his tombstone: When he came there was no light. When he left there was no darkness. When did we start believing that God wants to send us to safe places to do easy things? That faithfulness is holding the fort? That playing it safe is safe? That there is any greater privilege than sacrifice? That radical is anything but normal? Jesus didn’t die to keep us safe. He died to make us dangerous. Faithfulness is not holding the fort. It’s storming the gates of hell. The will of God is not an insurance plan. It’s a daring plan. The complete surrender of your life to the cause of Christ isn’t radical. It’s normal. It’s time to quit living as if the purpose of life is to arrive safely at death. It’s time to go all in and all out for the All in All. Pack your coffin!

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