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In 1914, Thomas Edison, at age sixty-seven, lost his factory to fire. It had very little insurance. No longer a young man, Edison watched his lifetime effort go up in smoke and said, “There is great value in disaster. All our mistakes are burnt up. Thank God we can start anew.” In spite of disaster, three weeks later, he invented the phonograph. What an attitude!

I like to refer to this tool as a personal bank on steroids, an unparalleled place to stockpile cash, and a financial bunker for tough times… ...but it is better known as cash value life insurance.

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

Living on the Earth where there is so much negativity, it is essential to find tools, to constantly clear your fields. The best and easiest tool I have found to do this is to call forth Melchizedek, the Mahatma and Metatron, and ask for a Platinum Net. This Platinum Net will move through your 12-body system and cleanse it of impurities. I recommend doing this at least twice a day. The color platinum is the highest color frequency available to the Earth. The fact that the net is made of platinum insures that no imbalanced energy will escape its sphere of influence! To make this Platinum Key even more unbelievably profound, Melchizedek, the Mahatma and Metatron have told me that this Platinum Net upon request, can be placed in all the doors, windows and arch ways of your home and office.

Security is a big and serious deal, but it’s also largely a solved problem. That’s why the average person is quite willing to do their banking online and why nobody is afraid of entering their credit card number on Amazon. At 37signals, we’ve devised a simple security checklist all employees must follow: 1. All computers must use hard drive encryption, like the built-in FileVault feature in Apple’s OS X operating system. This ensures that a lost laptop is merely an inconvenience and an insurance claim, not a company-wide emergency and a scramble to change passwords and worry about what documents might be leaked. 2. Disable automatic login, require a password when waking from sleep, and set the computer to automatically lock after ten inactive minutes. 3. Turn on encryption for all sites you visit, especially critical services like Gmail. These days all sites use something called HTTPS or SSL. Look for the little lock icon in front of the Internet address. (We forced all 37signals products onto SSL a few years back to help with this.) 4. Make sure all smartphones and tablets use lock codes and can be wiped remotely. On the iPhone, you can do this through the “Find iPhone” application. This rule is easily forgotten as we tend to think of these tools as something for the home, but inevitably you’ll check your work email or log into Basecamp using your tablet. A smartphone or tablet needs to be treated with as much respect as your laptop. 5. Use a unique, generated, long-form password for each site you visit, kept by password-managing software, such as 1Password.§ We’re sorry to say, “secretmonkey” is not going to fool anyone. And even if you manage to remember UM6vDjwidQE9C28Z, it’s no good if it’s used on every site and one of them is hacked. (It happens all the time!) 6. Turn on two-factor authentication when using Gmail, so you can’t log in without having access to your cell phone for a login code (this means that someone who gets hold of your login and password also needs to get hold of your phone to login). And keep in mind: if your email security fails, all other online services will fail too, since an intruder can use the “password reset” from any other site to have a new password sent to the email account they now have access to. Creating security protocols and algorithms is the computer equivalent of rocket science, but taking advantage of them isn’t. Take the time to learn the basics and they’ll cease being scary voodoo that you can’t trust. These days, security for your devices is just simple good sense, like putting on your seat belt.

[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.

Say Bank A is holding $10 million in A-minus-rated IBM bonds. It goes to Bank B and makes a deal: we’ll pay you $50,000 a year for five years and in exchange, you agree to pay us $10 million if IBM defaults sometime in the next five years—which of course it won’t, since IBM never defaults. If Bank B agrees, Bank A can then go to the Basel regulators and say, “Hey, we’re insured if something goes wrong with our IBM holdings. So don’t count that as money we have at risk. Let us lend a higher percentage of our capital, now that we’re insured.” It’s a win-win. Bank B makes, basically, a free $250,000. Bank A, meanwhile, gets to lend out another few million more dollars, since its $10 million in IBM bonds is no longer counted as at-risk capital. That was the way it was supposed to work. But two developments helped turn the CDS from a semisensible way for banks to insure themselves against risk into an explosive tool for turbo leverage across the planet. One is that no regulations were created to make sure that at least one of the two parties in the CDS had some kind of stake in the underlying bond. The so-called naked default swap allowed Bank A to take out insurance with Bank B not only on its own IBM holdings, but on, say, the soon-to-be-worthless America Online stock Bank X has in its portfolio. This is sort of like allowing people to buy life insurance on total strangers with late-stage lung cancer—total insanity. The other factor was that there were no regulations that dictated that Bank B had to have any money at all before it offered to sell this CDS insurance.

Today, planning has become collaborative and interactive, using software and tools that will allow clients to “play” with different scenarios, becoming invested in the results. Our delivery is online, and the focus is on the process of planning, not the product (the plan). We engage as many other professionals as we need to (accountants, attorneys, and insurance agents) to complete the implementation.

easing the learning curve of new users is essential to successful ODR implementations. Provide an animated Flash movie, narrated by a human voice, that explains how to use the ODR tools made available to users. Provide extensive documentation and context-sensitive help files, so that users can always get a quick answer to questions that may arise. As one of the focus group participants put it, "The instructions, tour, and attention to detail were all helpful. For me, it was the `fear of the unknown' and the ... belief that [the platform] would be difficult" It is the job of the designers of ODR technology to proactively address this fear and to ease new users into an understanding of how new tools will benefit them. Don't

understanding of how new tools will benefit

Families are finding that they are getting funding from a variety of sources. One typical family has counseling covered through their insurance for family counseling, and counseling funded by a federally funded adoption support program for their child. They receive respite care funded through the Division of Developmental Disabilities. They pay privately for Sibshop, a well-loved program for the siblings of their special needs children. Since the Sibshop is through a non-profit organization, it is particularly affordable. Their school district pays for tutoring. After they specifically requested a review, they received an adoption subsidy available to older children through their state. The cost of braces was partially reimbursed by the adoption support system, as well. The combination of resources and financial relief allowed the parents to enjoy some outings, plan a simple family vacation, and get some household help. They said, “Without this help, we would not have made it as an emotionally intact family. We would not have disrupted, but we would not have been the unit that we are today.

Permanent life insurance that builds cash value can be a great tool in this situation. The premiums are paid with after-tax dollars. The policy grows tax deferred, and you can access those cash values before or after retirement on a tax-free basis as long as it is structured properly. Upon your death, the death benefit is paid to your beneficiaries generally income tax free and, if you set it up properly, estate tax free.

...     “Ignatius, was you wearing that cap when you spoke to the insurance man?”     “Of course I was. That office was improperly heated. I don’t know how the employees of that company manage to stay alive exposing themselves to that chill day after day. And then there are those fluorescent tubes baking their brains out and blinding them. I did not like the office at all. I tried to explain the inadequacies of the place to the personnel manager, but he seemed rather uninterested. He was ultimately very hostile.” Ignatius let out a monstrous belch. “However, I told you that it would be like this. I am an anachronism. People realize this and resent it.”     “Lord, babe, you gotta look up.”     “Look up?” Ignatius repeated savagely. “Who has been sowing that unnatural garbage into your mind?” ...

The word 'tip' comes from the mid-eighteenth-century innkeepers' sign 'to insure promptness.' Patrons deposited a few coins on the table before ordering a meal or drinks and were served faster.

NEVER file an insurance claim for a stolen air conditioner, stolen tools, stolen supplies, stolen carpet, stolen pipes, stolen furnaces, vandalism, or stolen anything. Pay for this out of your pocket. You do not want to jeopardize your insurance record from these puny claims.

Quick Gmail Trick Noah and I both use the Gmail “+” trick all the time. Let’s say your email address is bob@bobsmith.com. After signing up for services or newsletters, how can you tell who’s sharing your email, or contain the damage if someone discovers your login email? Companies get hacked all the time. Just use + as cheap insurance. If you append + and a word to the beginning, messages will still get delivered to your inbox. Signing up for Instacart, for instance? You could use bob+insta@bobsmith.com. I use this, or benefit from it, on a daily basis.

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

Why Consider Fasting? Dom has discussed the idea of a therapeutic “purge fast” with his colleague Dr. Thomas Seyfried of Boston College. Per Dom: “If you don’t have cancer and you do a therapeutic fast 1 to 3 times per year, you could purge any precancerous cells that may be living in your body.” If you’re over the age of 40, cancer is one of the four types of diseases (see Dr. Peter Attia on page 59) that will kill you with 80% certainty, so this seems like smart insurance. There is also evidence to suggest—skipping the scientific detail—that fasts of 3 days or longer can effectively “reboot” your immune system via stem cell–based regeneration. Dom suggests a 5-day fast 2 to 3 times per year. Dom has done 7-day fasts before, while lecturing at the University of South Florida. On day 7, he went into class with his glucose between 35 and 45 mg/dL, and his ketones around 5 mmol. Then, before breaking the fast, he went to the gym and deadlifted 500 pounds for 10 reps, followed by 1 rep of 585 pounds. Dom was inspired to do his first 7-day fast by George Cahill, a researcher at Harvard Medical School, who’d conducted a fascinating study published in 1970* wherein he fasted people for 40 days.

Latent Needs The larger and more significant portion of the market is comprised of prospects who do have needs for your product or service, but haven’t yet recognized those needs. In QBS, we say that these prospects have latent needs. Latent needs are needs that do exist but haven’t yet surfaced as problems or desires. Prospects with latent needs fail to recognize that they are no longer satisfied with the status quo. As an example, suppose you and I were standing beside your car when suddenly we noticed that one of your tires was worn down to the cords. Instantly, you would have a need for new tires. The question is, did you have a need for new tires yesterday? Sure you did. The tread on your tire didn’t wear itself down overnight. But until you actually recognized the existence of a problem, your need for new tires was latent. It existed, although you were not aware of it at the time. This is essentially what happened when Brent called me. I absolutely had a need for septic tank improvement products, but my need was a latent need. Salespeople encounter prospects with latent needs all the time—especially prospects who say things like: “I don’t need life insurance because I’m not planning to die any time soon.” Or, “We don’t have time to evaluate new technology, because we’re too busy putting out fires.” Here’s my personal favorite: “We can’t afford sales training right now, because sales have been slow.

The original purpose of health insurance was to mitigate financial disasters brought about by a serious illness, such as losing your home or your job, but it was never intended to make healthcare cheap or serve as a tool for cost control. Our expectations about what insurance should do have grown.

During an interview with Diversity Inc.’s director of research and product development, she walked me through a typical presentation used to pitch the value of the company’s software to prospective clients. I learned that their products are especially valuable to those industries not allowed to collect ethno-racial data directly from individuals because of civil rights legislation that attempts to curb how these data are used to discriminate. But now those who work in finance, housing, and healthcare can use predictive software programs to ascertain information that they cannot request directly. The US Health Insurance Portability and Accountability Act (HIPAA) privacy rule, for example, strictly monitors the collection, storage, and communication of individuals’ “protected health information,” among other features of the law. This means that pharmaceutical companies, which market to different groups, need indirect methods to create customer profiles, because they cannot collect racial-ethnic data directly. This is where Diversity Inc. comes in. Its software programs target customers not only on the basis of race and ethnicity, but also on the basis of socioeconomic status, gender, and a growing list of other attributes. However, the company does not refer to “race” anywhere in their product descriptions. Everything is based on individuals’ names, we are told. “A person’s name is data,” according to the director of research and product development. She explains that her clients typically supply Diversity Inc. with a database of client names and her team builds knowledge around it. The process, she says, has a 96 percent accuracy rate, because so many last names are not shared across racial–ethnic groups – a phenomenon sociologists call “cultural segregation.”18

Carlton Church - Natural Disaster Survival Kit Floods, earthquakes, tsunamis, super typhoons and fires. These types of news appear more frequently within this year than the previous ones. Old people nowadays even complain of the changing world, followed by endless accounts of peaceful living during their time. Are these all effects of global warming? Is our Mother Earth now starting to get angry of what we, humans, have done to its resources? Perhaps. We can never predict when a disaster would strike our home. And since you are still reading this, it is safe to assume that you are still able breathe and live your life. The best thing we can do right now is prepare. There is no use panicking only when the warning arrives. It is better to give gear up now and perhaps survive a few more years. Preparation should not be too extravagant. And it doesn’t have to be a suitcase filled with gas masks and whatnot. Remember that on the face of disaster, having a large baggage would be more of a burden that survival assistance. Pack light. You’ll only need a few of the following things: 1. Gears, extra batteries and supplies. Multi-purpose tool/knife, moist towelettes, dust masks, waterproof matches, needle and thread, compass, area maps, extra blankets and sleeping bags should all should be part of your emergency supply kit. It is also important to bring extra charge for your devices. There are back-up universal batteries available for most cell phones that can offer an extra charge. 2. Important paperwork and insurance documents. When tsunami hit Japan last 2011, all documents were washed up resulting to chaos and strenuous recovery operations. Until now, many citizens linger in the streets of Tokyo in the hopes that most technologically advanced city in the world can reproduce certificates, diplomas and other legal and important written document stolen by water. This is why copies of personal documents like a medication list, proof of address, deed/lease to home, and insurance papers, extra cash, family photos and emergency contact information should be included in your survival kits. 3. First Aid Kit Store your first aid supplies in a tool box or fishing tackle box so they will be easy to carry and protected from water. Inspect your kit regularly and keep it freshly stocked and do not use cheap and fraudulent ones. It is also helpful to note important medical information and most prescriptions that can be tucked into your kit. Medical gauges, bandages, Hydrogen peroxide to wash and disinfect wounds, individually wrapped alcohol swabs and other dressing paraphernalia should also be useful. Read more at: carltonchurch.org

learninsurance.com™ offers a complete catalog of self-paced, online insurance continuing education and pre-licensing courses as well as a full suite of robust management tools and technologies to help you and your organization achieve greater success.

Fiscal Numbers (the latter uniquely identifies a particular hospitalization for patients who might have been admitted multiple times), which allowed us to merge information from many different hospital sources. The data were finally organized into a comprehensive relational database. More information on database merger, in particular, how database integrity was ensured, is available at the MIMIC-II web site [1]. The database user guide is also online [2]. An additional task was to convert the patient waveform data from Philips’ proprietary format into an open-source format. With assistance from the medical equipment vendor, the waveforms, trends, and alarms were translated into WFDB, an open data format that is used for publicly available databases on the National Institutes of Health-sponsored PhysioNet web site [3]. All data that were integrated into the MIMIC-II database were de-identified in compliance with Health Insurance Portability and Accountability Act standards to facilitate public access to MIMIC-II. Deletion of protected health information from structured data sources was straightforward (e.g., database fields that provide the patient name, date of birth, etc.). We also removed protected health information from the discharge summaries, diagnostic reports, and the approximately 700,000 free-text nursing and respiratory notes in MIMIC-II using an automated algorithm that has been shown to have superior performance in comparison to clinicians in detecting protected health information [4]. This algorithm accommodates the broad spectrum of writing styles in our data set, including personal variations in syntax, abbreviations, and spelling. We have posted the algorithm in open-source form as a general tool to be used by others for de-identification of free-text notes [5].

Your Personal Economic Model One tool we use when discussing the best course of action to secure your financial future is the Personal Economic Model®. Just as a medical doctor would use an anatomical model to convey medical concepts, we use the following model to convey financial concepts. This model offers a visual representation of the way money flows through your hands. On the left, you will notice the Lifetime Capital Potential tank, which illustrates that the amount of money you will control during your lifetime is both large, as well as finite. Most people are shocked to see how much money can flow through their hands in their lifetime. Once earned, your money flows directly to the Tax Filter where the state and federal governments take tax dollars owed from your paycheck. The after tax dollars are then directed to either your Current Lifestyle or your Future Lifestyle. Your management of the Lifestyle Regulator determines where these dollars go. Regulating the cash flow between your current lifestyle desires and your future lifestyle requirements may be the most important financial decision you will ever make. Here’s why. Each and every dollar that is allowed to flow through to your Current Lifestyle is consumed and gone forever. The goal is to accumulate enough money in the Savings and Investment tanks so that when you retire, the dollars in those tanks can be used to pay for your future lifestyle requirements. Retirement planning seems hard for most people to do but it is not rocket science. The best position, position A, would be to have enough in the tanks so that you can live in the future like you live today adjusted for inflation and have your money last at least to your life expectancy. That’s a win, but the icing on the cake would be to accomplish that with little to no impact on your present standard of living, and that is exactly what we strive to help our clients to do. Working with us can help you with the following: Optimize the balance between your Current and Future Lifestyles Identify inefficiencies in your current personal economic model (where are you losing money) Design, implement, and execute a plan to secure your financial future Limit the impact on your Current Lifestyle dollars (maintain your current standard of living)

Jerry licked his lips again. “I can’t let you in the shop. My insurance company doesn’t allow it, but I’ll take this in back and show it around.” He disappeared through a door. In the brief seconds the door was open, she heard music, voices, and the sound of pneumatic tools being used.

New Deal legislation undoubtedly saved thousands of lives and prevented destitution for millions. New labor laws led to a flourishing of unions and built a strong white middle class. The Social Security Act of 1935 established the principle of cash payments in cases of unemployment, old age, or loss of a family breadwinner, and it did so as a matter of right, not on the basis of individual moral character. But the New Deal also created racial, gender, and class divisions that continue to produce inequities in our society today. Roosevelt’s administration capitulated to white supremacy in ways that still bear bitter fruit. The Civilian Conservation Corps capped Black participation in federally supported work relief at 10 percent of available jobs, though African Americans experienced 80 percent unemployment in northern cities. The National Housing Act of 1934 redoubled the burden on Black neighborhoods by promoting residential segregation and encouraging mortgage redlining. The Wagner Act granted workers the right to organize, but allowed segregated trade unions. Most importantly, in response to threats that southern states would not support the Social Security Act, both agricultural and domestic workers were explicitly excluded from its employment protections. The “southern compromise” left the great majority of African American workers—and a not-insignificant number of poor white tenant farmers, sharecroppers, and domestics—with no minimum wage, unemployment protection, old-age insurance, or right to collective bargaining.

Clapham Landscape Gardeners makes it easy to find reliable, professional local gardeners. One call is all it takes to book your service, and you’ll always have the opportunity to discuss your requirements for your appointment onsite with an expert before your service starts. Work from small teams of trained, professional local gardeners All tools needed to complete your gardening services are included in them You’re always covered by our full insurance and quality guarantees – even for heavy work like tree removal There’s no fee or obligation involved in our quoting process – ask for one whenever you want one Most of our gardening services include the removal of many litres of garden waste for free You can take advantage of a range of high quality gardening services made for everything from light weeding and pruning or garden maintenance, a little lawn care or lawn mowing, right up to high pressure jet washing, garden clearance, and full garden landscaping services to transform your garden into a verdant green paradise. Here are some services Clapham Landscape Gardeners offer: Garden Maintenance: these are things like weeding and pruning, lawn mowing, and lawn care. Tree Removal and Stump Grinding: have difficult trees removed from even the most tricky-to-access areas. Patio Cleaning and Gutter Cleaning: delivered using the most effective current technology, and ideal for those final finishing touches. Garden Landscaping: install new features of all kinds, including sheds, fencing, decking, and more. Junk Removal and Garden Clearance: get rid of unwanted junk in your outside area with ease.