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What I am in search of is not so much the gratification of a curiosity or a passion for worldly life, but something far less conditional. I do not wish to go out into the world with an insurance policy in my pocket guaranteeing my return in the event of a disappointment, like some cautious traveller who would be content with a brief glimpse of the world. On the contrary, I desire that there should be hazards, difficulties and dangers to face; I am hungry for reality, for tasks and deeds, and also for privation and suffering.

Why did her family think pachinko was so terrible? Her father, a traveling salesman, had sold expensive life insurance policies to isolated housewives who couldn't afford them, and Mozasu created spaces where grown men and women could play pinball for money. Both men had made money from chance and fear and loneliness. Every morning, Mozasu and his men tinkered with the machines to fix the outcomes--there could only be a few winners and a lot of losers. And yet we played on, because we had hope that we might be the lucky ones. How could you get angry at the ones who wanted to be in the game? Etsuko had failed in this important way--she had not taught her children to hope, to believe in the perhaps-absurd possibility that they might win. Pachinko was a foolish game, but life was not.

You are as well prepared as any young Westerner could hope to be, equipped with good diet, lavish health insurance, two degrees, foreign travel and languages, orthodonture, psychotherapy, property, and capital; and your skin is a beautiful color. Look at you – look at the burnish of you.

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.

He wondered about the people in houses like those. They would be, for example, small clerks, shop-assistants, commercial travellers, insurance touts, tram conductors. Did they know that they were only puppets dancing when money pulled the strings? You bet they didn’t. And if they did, what would they care? They were too busy being born, being married, begetting, working, dying. It mightn’t be a bad thing, if you could manage it, to feel yourself one of them, one of the ruck of men. Our civilization is founded on greed and fear, but in the lives of common men the greed and fear are mysteriously transmuted into something nobler. The lower-middle-class people in there, behind their lace curtains, with their children and their scraps of furniture and their aspidistras — they lived by the money-code, sure enough, and yet they contrived to keep their decency. The money-code as they interpreted it was not merely cynical and hoggish. They had their standards, their inviolable points of honour. They ‘kept themselves respectable’— kept the aspidistra flying. Besides, they were alive. They were bound up in the bundle of life. They begot children, which is what the saints and the soul-savers never by any chance do. The aspidistra is the tree of life, he thought suddenly.

Time travel? I believe there are people regularly travelling back from the future and interfering with our lives on a daily basis. The evidence is all around us. I’m talking about how every time we make an insurance claim we discover that somehow mysteriously the exact thing we’re claiming for is now precisely excluded from our policy.

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.

Birds looked like an echo of birds, fat white clouds looked as if they were there to sell you fabric softener or air travel or health insurance.

[The wives of powerful noblemen] must be highly knowledgeable about government, and wise – in fact, far wiser than most other such women in power. The knowledge of a baroness must be so comprehensive that she can understand everything. Of her a philosopher might have said: "No one is wise who does not know some part of everything." Moreover, she must have the courage of a man. This means that she should not be brought up overmuch among women nor should she be indulged in extensive and feminine pampering. Why do I say that? If barons wish to be honoured as they deserve, they spend very little time in their manors and on their own lands. Going to war, attending their prince's court, and traveling are the three primary duties of such a lord. So the lady, his companion, must represent him at home during his absences. Although her husband is served by bailiffs, provosts, rent collectors, and land governors, she must govern them all. To do this according to her right she must conduct herself with such wisdom that she will be both feared and loved. As we have said before, the best possible fear comes from love. When wronged, her men must be able to turn to her for refuge. She must be so skilled and flexible that in each case she can respond suitably. Therefore, she must be knowledgeable in the mores of her locality and instructed in its usages, rights, and customs. She must be a good speaker, proud when pride is needed; circumspect with the scornful, surly, or rebellious; and charitably gentle and humble toward her good, obedient subjects. With the counsellors of her lord and with the advice of elder wise men, she ought to work directly with her people. No one should ever be able to say of her that she acts merely to have her own way. Again, she should have a man's heart. She must know the laws of arms and all things pertaining to warfare, ever prepared to command her men if there is need of it. She has to know both assault and defence tactics to insure that her fortresses are well defended, if she has any expectation of attack or believes she must initiate military action. Testing her men, she will discover their qualities of courage and determination before overly trusting them. She must know the number and strength of her men to gauge accurately her resources, so that she never will have to trust vain or feeble promises. Calculating what force she is capable of providing before her lord arrives with reinforcements, she also must know the financial resources she could call upon to sustain military action. She should avoid oppressing her men, since this is the surest way to incur their hatred. She can best cultivate their loyalty by speaking boldly and consistently to them, according to her council, not giving one reason today and another tomorrow. Speaking words of good courage to her men-at-arms as well as to her other retainers, she will urge them to loyalty and their best efforts.

When Al Gore urges the citizenry to sacrifice their plastic shopping bags, their air-conditioning, their extraneous travel, the agnostics grumble that human activity accounts for just 2 percent of global carbon-dioxide emissions, with the remainder generated by natural processes like plant decay.

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

Try the following experiment. Go to the airport and ask travelers en route to some remote destination how much they would pay for an insurance policy paying, say, a million tugrits (the currency of Mongolia) if they died during the trip (for any reason).Then ask another collection of travelers how much they would pay for insurance that pays the same in the event of death from a terrorist act (and only a terrorist act). Guess which one would command a higher price? Odds are that people would rather pay for the second policy (although the former includes death from terrorism). The psychologists Daniel Kahneman and Amos Tversky figured this out several decades ago.

Travel insurance is the abortion of the travelling world: it’s inconvenient, it’s expensive, and it’s spitting in the face of God’s divine plan for us.

The total average cost of driving, including depreciation, maintenance, and insurance, runs about 61 cents a mile, and since the average automobile used for commuting to work contains only 1.1 people, every commute costs a little more than 55 cents per passenger mile. This means that, if you’re an automobile commuter traveling twenty-five miles each way to work, you’re spending around $30 a day for the privilege, not including the cost, if there is one, to park. You’re also spending an hour every day for which, unless you’re a cabbie or bus driver yourself, you’re not getting paid, and during which you’re not doing anything productive at all. For the average American, that’s another $24. In transportation, time really is money.

On, no. I hate those arty little places. I like dining in a hotel full of all sorts of people. Dining in a club means you’re surrounded by people who’re pretty much alike. Their membership in the club means they’re there because they are all interested in gold, or because they’re university graduates, or belong to the same political party or write, or paint, or have incomes of over fifty thousand a year, or something. I like ’em mixed up, higgledy-piggledy. A dining room full of gamblers, and insurance agents, and actors, and merchants, thieves, bootleggers, lawyers, kept ladies, wives, flaps, travelling men, millionaires — everything. That’s what I call dining out. Unless one is dining at a friend’s house, or course.” A rarely long speech for her.

Coming from a country where no one seemed to think it particularly disgraceful that a child with a brain tumour could be sent home to die because his father didn’t have the wherewithal to pay a surgeon, or where an insurance company could be permitted by a state insurance commissioner to cancel the policies of its 14,000 sickest patients because it wasn’t having a very good year (as happened in California in 1989), it seemed to me admirable beyond words that a nation could dedicate itself to providing equally and fairly for everyone, whatever the cost.

My body wanted a baby. I felt empty and I wanted to be full. I wanted someone to love and who would stay: stay and be there, always. And I wanted Henry to be this child, so that when he was gone, he wouldn't be entirely gone, there would be a bit of him with me... insurance, in case of fire, flood, act of God.

Every place of arrival should have a booth set up and manned by an ordinary person whose task it is to greet strangers and give them a little trophy of local space-time stuff - tell them of his difficulties in high school and put a pinch of soil in their pockets - in order to insure that the stranger shall not become an Anyone.

Why did her family think pachinko was so terrible? Her father, a traveling salesman, had sold expensive life insurance policies to isolated housewives who couldn’t afford them, and Mozasu created spaces where grown men and women could play pinball for money. Both men had made money from chance and fear and loneliness. Every morning, Mozasu and his men tinkered with the machines to fix the outcomes—there could only be a few winners and a lot of losers. And yet we played on, because we had hope that we might be the lucky ones. How could you get angry at the ones who wanted to be in the game? Etsuko had failed in this important way—she had not taught her children to hope, to believe in the perhaps-absurd possibility that they might win. Pachinko was a foolish game, but life was not.

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

because she was a woman, and women know that babies and husbands and sick parents can derail your dreams, at any moment they can drag you from your bed, they can forestall your career, they can lift you from your prized seat at Wimbledon from a match later described as ‘epic’. She thought she’d need to call an ambulance or take him to a hospital. She was thinking about travel insurance and telling the children, and how would they transport his body home?

Prospecting & Marketing Institute, based in Santa Fe, New Mexico, and I were conducting a multiday seminar for her clients — corporate executives and general agents from life insurance companies — about new methods of recruiting agents. Even though the attendees had paid a very high per-person fee to be there, most had traveled great distances, and the subject was of critical importance to them, we both noticed that on breaks, what most of them were talking about was where

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!

raising chickens. It was almost as hard for Eisman to imagine himself raising chickens as it was for people who knew him, but he’d agreed. “The idea of it was so unbelievably unappealing to him,” says his wife, “that he started to work harder.” Eisman traveled all over Europe and the United States searching for people willing to invest with him and found exactly one: an insurance company, which staked him to $50 million. It wasn’t enough to create a sustainable equity fund, but it was a start. Instead of money, Eisman

Those diversions sparked her life with momentary excitement. Without them, Charis felt she would be driven mad by the unrelenting sameness of life in the palace. Now and again she imagined that she would like to run away, to disguise herself and travel the tumbled hills, to see life among the simple herdsmen and their families; or perhaps she would take a boat and sail the coasts, visiting tiny, sun-baked fishing villages and learning the rhythm of the sea. Unfortunately, making good either of those plans would mean taking action, and the only thing more palpable than the boredom she endured was the inertia that enclosed her like a massive fist. The weighty impossibility of changing her life in any but the most insignificant detail insured that she would not try. She sighed again and returned to the corridor, pausing to pick a sunshade from a nearby bush, idly plucking the delicate yellow petals and dropping them one by one, like days, fluttering from her hand.

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.

Cowry shells and dollars have value only in our common imagination. Their worth is not inherent in the chemical structure of the shells and paper, or their colour, or their shape. 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.

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reminded Al-Aswany of this before I read back to him what he had said about Egypt in the same interview with Egypt Today in response to a devastating survey of the country by Mondial, a leading U.K. provider of advice for foreign companies investing in Egypt and for those seeking travel insurance. The survey had produced a wave of soul-searching in the Egyptian media, and not a few knee-jerk reactions, after it ranked the country's service and tourist sectors a flat zero.

Between taxes and liability insurance and this and that, we ain’t in it for the money, man … we’re out there for one guitar chord, one note, one beam of light in somebody’s mind. We travel 600 miles a day to do it. It’s not the money.

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.

That’s why the savvy bride purchases wedding insurance. Like travel insurance, wedding insurance will guarantee that you don’t lose the entirety of your deposits on things like venues, cakes, photographers, food suppliers, wedding limos, flowers, honeymoon, even your gown…

A journal is personal travel insurance, protecting your memories from strolling off un-chaperoned, vanishing without a goodbye or backwards glance. This is the driving force behind most people’s road journals, and although basic, its importance cannot be overstated. The human memory is feeble and needs all the help it can get.

For years I didn’t realize this because so many others had more. We were surrounded by extreme affluence, which tricks you into thinking you’re in the middle of the pack. I mean, sure, we have twenty-four hundred square feet for only five humans to live in, but our kids have never been on an airplane, so how rich could we be? We haven’t traveled to Italy, my kids are in public schools, and we don’t even own a time-share. (Roll eyes here.) But it gets fuzzy once you spend time with people below your rung. I started seeing my stuff with fresh eyes, realizing we had everything. I mean everything. We’ve never missed a meal or even skimped on one. We have a beautiful home in a great neighborhood. Our kids are in a Texas exemplary school. We drive two cars under warranty. We’ve never gone a day without health insurance. Our closets are overflowing. We throw away food we didn’t eat, clothes we barely wore, trash that will never disintegrate, stuff that fell out of fashion.

Finding the perfect insurance for you is now possible. You can try to get in touch with us where you can get the best quotes for health, car & Travel insurance that would save your pocket.

There's no such things as travel insurance when it comes to reading.

Reading “out of the best books” stretches our mental muscles and expands our horizons. It takes us out of our mundane worlds and lets us travel as far as our imaginations and the picture painting words of the authors can carry us. Reading keeps us vibrant, it keeps us alive and makes us far more interesting to our marriage mates and our families. It is also a form of insurance against mental aging. We are only as old as we think we are. Some people say that one way to keep alive is to keep interested in many things, and the way to keep interested is to read widely and

we forget Joseph F. Glidden's 1874 invention of barbed wire, which, more than the rifle or the plow, transformed Buffalo Bill's Great Plains by insuring the survival of thousands of family farms, and making possible the growth of enormous-and enormously profitable-cattle ranches. In addition, I feel a personal connection. In April 1855 my great-granduncle Alexander Carter Jr. and his younger brother, Thomas Marion Carter, left their home in Scioto County, Ohio, and headed west. Starting by steamboat, the two brothers floated down the Ohio River until it joined the Mississippi and then traveled upstream to St. Louis. In St. Louis they found little transportation west, so they walked, hitched rides, and rode horseback to reach St. Joseph, Missouri. There they caught a stagecoach to Council Bluffs, Iowa, riding on top of the stage, with seventeen men and women-a three-day ordeal. On May 14, nineteen days after leaving St. Louis, the brothers crossed the Missouri River and landed on the town site of Omaha, then a community of cotton tents and shanties, where lots were being offered to anyone willing to build on them. They refused this offer and pressed on to their final destination, DeSoto, Washington County, Nebraska Territory, where they found only one completed log house and another under construction. There they homesteaded the town of Blair, Nebraska. For three generations there were Carters in Nebraska, first in

As I travel around the financial services industry today, the most interesting trend I see is the one toward relationship consolidation. Now that Glass-Steagall has been repealed, and all financial services providers can provide just about all financial services, there's a tendency - particularly as people get older - to want to tie everything up... to develop a plan, which implies having a planner. A planner, not a whole bunch of 'em... You've got basically two options. One is that you can sit here and wait for a major investment firm, which handles your client's investment portfolio while you handle the insurance, to bring their developing financial and estate planning capabilities to your client's door. And to take over the whole relationship. In this case, you have chosen to be the Consolidatee. A better option is for you to be the Consolidator. That is, you go out and consolidate the clients' financial lives pursuant to a really great plan - the kind you pride yourselves on. And of course that would involve your taking over management of the investment portfolio. Let's start with the classic Ibbotson data [Stocks, Bonds, Bills and Inflation Yearbook, Ibbotson Associates]. In the only terms that matter to the long-term investor - the real rate of return - he [the stockholder] got paid more like three times what the bondholder did. Why would an efficient market, over more than three quarters of a centry, pay the holders of one asset class anything like three times what it paid the holders of the other major asset class? Most people would say: risk. Is it really risk that's driving the premium returns, or is it volatility? It's volatility.... I invite you to look carefully at these dirty dozen disasters: the twelve bear markets of roughly 20% or more in the S&P 500 since the end of WWII. For the record, the average decline took about thirteen months from peak to trough, and carried the index down just about 30%. And since there've been twelve of these "disasters" in the roughly sixty years since war's end, we can fairly say that, on average, the stock market in this country has gone down about 30% about one year in five.... So while the market was going up nearly forty times - not counting dividends, remember - what do we feel was the major risk to the long-term investor? Panic. 'The secret to making money in stocks is not getting scared out of them' Peter Lynch.

Too many places didn't want to hire her, claiming her lack of hearing was a liability that would put an unfair burden on their insurance. Never mind that she traveled with a submersible designed to her parameters, signaling all alarms and issues with flashing lights and pressure changes in the fabric of her seat; they were uncomfortable about the idea of working with a deaf woman, and while the Americans with Disabilities Act made it harder for them to refuse her employment, it didn't make it impossible. There would always be lawyers who specialize in keeping the disabled out of the workforce, especially when the jobs they wanted to do - the jobs they were trained to do - were difficult or dangerous or otherwise complex.

I'll give you an actual example. Pamela Yellen, the CEO of the Prospecting & Marketing Institute, based in Santa Fe, New Mexico, and I were conducting a multiday seminar for her clients — corporate executives and general agents from life insurance companies — about new methods of recruiting agents. Even though the attendees had paid a very high per-person fee to be there, most had traveled great distances, and the subject was of critical importance to them, we both noticed that on breaks, what most of them were talking about was where they were going to go play golf that evening when the seminar let out, the next morning before it started, or the day afterward. Both Pamela and I made note of how important it was to these clients of hers to get out on the golf course. This led to one of the most unusual ads Pamela has ever written and run in her own industry's trade journals, with the headline: “Puts Recruiting on Autopilot So You Can Go Play Golf!” The entire ad is reproduced on the following page, Exhibit #3. As you'll see, it sold the system we devised for insurance agent recruiting, but it did so circuitously, by emphasizing the hidden benefit: you'll get the job done with less time invested, so you can spend more time on the golf course.

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.

This was his first trip on the Ossifar Distana, his first real splash in life. Look what it got him. Mister Smiff liked anonymity. He kept a low profile, often traveling under assumed names, claiming to be anything from a banker to a (very) successful life insurance salesman. He’d never broken the law, at least not irreparably. He was quite generous, well liked, sponsoring many charities anonymously – which is why it was so surprising to find him floating face down in the private spa in his apartment, murdered. He had been murdered, unless it was a freak shaving accident. Those old razors weren’t called cut-throats for nothing. Yikes.

My Great-Grandma G, an avid reader, always said "a good book can take you anywhere you want to go". No need for passports, spending money, or travel insurance. Where are you off to next?

There had been seventy-five straight months of job growth under President Obama, and incomes for the bottom 80 percent were finally starting to go up. Twenty million more people had health insurance thanks to the Affordable Care Act, the greatest legislative achievement of the outgoing administration. Crime was still at historic lows. Our military remained by far the most powerful in the world. These are knowable, verifiable facts. Trump stood up there in front of the world and said the exact opposite—just as he had throughout the campaign. He didn’t seem to see or value any of the energy and optimism I saw when I traveled around the country. Listening to Trump, it almost felt like there was no such thing as truth anymore. It still feels that way.

Domains of Human Concerns: Common Types of Possibilities For Action 1. BODY: exercise, medical checkups, traveling to an appointment. 2. PLAY or AESTHETICS: taking a vacation, going to the movies, going to an art museum, painting, putting a puzzle together. 3. SOCIABILITY: inviting a new person into a conversation, meeting an old friend, declaring a person trustworthy or untrustworthy. 4. FAMILY: getting married, sending children to college. 5. WORK: finishing a report, writing a letter. 6. EDUCATION: enrolling in a class, reading a book. 7. CAREER: choosing a major in college, getting a new job. 8. MONEY or PRUDENCE: investing money, bargaining for a new salary, buying health insurance. 9. MEMBERSHIP: joining a professional organization, becoming a citizen of a new country, founding a new club. 10. WORLD: working in a political campaign, visiting another country or culture.        11. DIGNITY: declaring pride in your work, declaring that your work is significant or insignificant, declaring standards of action for yourself to live up to.        12. SITUATION: declaring that your future is good or not good, declaring that you have more possibilities than you have been seeing, declaring that you have fewer possibilities in life than you supposed, discussing your possibilities with other persons. 13. SPIRITUALITY: reflecting on the facticity of life, going to church, philosophical discussions with others.

You have another young patient on immunotherapy? Here at Duke?" I repeat slowly, as Dr. Cartwright chats amicably about how he managed to secure the same drug for him too. Months ago. Months I have spent traveling to Atlanta, whittling down my family's savings and relying on the charity of others. Months of arguing with insurance companies---because treatment was administered out of state---contesting payments and fielding phone calls with bill collectors over clerical errors. I have been hooked to a bag of chemotherapy fluid that could have been administered by pills? I have been getting on a plane when I could have been walking down the hallway in my own institution?

asked that each member of our team attach a little, plastic strobe light to his or her BCD vest. The strobes are cheap, they come with long-life batteries, and, when activated, they can be seen at night from at least three miles away. Anyone who travels over water in foreign lands, aboard foreign vessels, or who dives, should carry one. Few boat passengers or sport divers expect to be in the water after dusk. But all sunny days over a reef ultimately darken, and accidents are never planned. Which is why, each year, a surprising number of passengers and sport divers are set adrift and die. A strobe is the cheapest possible insurance against disaster.

Gather six to 12 months of checking, savings, and credit card statements, and break your income and expenses down into categories and then line items. I have suggested some here, but add your own as needed. Check to see if your bank or credit card company provides reporting that categorizes charges or lets you assign categories—your work may already be almost done for you: •Income—paychecks, interest, dividends, rents, royalties, business income, pension, social security, child support, spousal support •Housing—mortgage/rent, property taxes, HOA dues, insurance •Utilities—gas, electric, propane, phone, TV/Internet, trash, water/sewer •Food—groceries, dining out •Auto—car payments, gasoline, repairs, insurance •Medical—health insurance, doctor/dentist visits, prescriptions, physical therapy •Entertainment—travel, concerts/shows, sports •Clothing—personal purchases, dry cleaning, uniforms •Personal care—hair/nails, gym/yoga, vitamins/supplements •Miscellaneous—gifts, pets, donations •Children—education, activities, school lunches, childcare You can use a spreadsheet or pen and paper to take note of income and expenses as you go through statements, then calculate a monthly average for each item.

What if we looked at the law as a piece of software, the operating system of the United States of America. After all, laws play the same role as software in providing instructions for a given system - if this, then that, and so on. If a team of software engineers was asked to analyze the entire body of federal law, they would see tens of thousand of pages of poorly documented code, with a multitude of complex, spaghetti-like interdependencies between the individual components. Could the principles of good software design be used to improve the way we write financial regulations? Li, William, Pablo Azar, David Larochelle, Phil Hill, and Andrew W. Lo. 2015. 'Law Is Code: A Software Engineering Approach to Analyzing the United States Code.' Journal of Business and Technology Law 10: 297. A useful feature of network graphs if the ability to model contagion. Like an epidemiologist studying the spread of a contagious disease from its point of origin, we should identify the potential linkages through which a financial crisis may travel. Billio, Monica, Mila Getmansky, Andrew W. Lo, and Loriana Pelizzon, 2012. 'Econometric Measures of Connectedness and Systemic Risk in the Finance and Insurance Sectors.' Journal of Financial Economics, 104: 535-559. This approach can also be used to measure the network of banks, insurance companies, and sovereign nations. The idea is to see how macroeconomic problems facing countries might get transmitted to the financial system and vice versa. Billio, Monica, Mila Getmansky, Dale Gray, Andrew W. Lo, Robert C. Merton, and Loriana Pelizzon. 2016. 'Granger-Causality Networks of Sovereign Risk.' Working Paper, MIT Laboratory for Financial Engineering.

Did you know that credit cards automatically give you amazing consumer protection? Here are a few examples you might not know about: ■ Automatic warranty doubling: Most cards extend the warranty on your purchases. So if you buy an iPhone and it breaks after Apple’s warranty expires, your credit card will still cover it up to an additional year. This is true for nearly every credit card for nearly every purchase, automatically. ■ Car rental insurance: If you rent a car, don’t let them sell you on getting the extra collision insurance. It’s completely worthless! You already have coverage through your existing car insurance, plus your credit card will usually back you up to $50,000. ■ Trip-cancellation insurance: If you book tickets for a vacation and then get sick and can’t travel, your airline will charge you hefty fees to rebook your ticket. Just call your credit card and ask for the trip-cancellation insurance to kick in, and they’ll cover those change fees—usually between $3,000 to $10,000 per trip. ■ Concierge services: When I couldn’t find LA Philharmonic tickets, I called my credit card and asked the concierge to try to find some. He called me back in two days with tickets. They charged me (a lot, actually), but he was able to get them when nobody else could.

There are also no earnest messages in this book. Half the world’s suffering is caused by earnest messages contained in grand theories bearing no relation to reality—Marxism and No-Fault Auto Insurance, to name two. Earnestness is just stupidity sent to college.

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The left in its worrying routinely forgets this most important secular event since the invention of agriculture—the Great Enrichment of the last two centuries—and goes on worrying and worrying, like the little dog worrying about his bone in the Travelers Insurance advertisement on TV, in a new version every half generation or so.

One thing felt certain: A pretty big chunk of the American people including some of the very folks I was trying to help. didn't trust a work I said! One night around then I watched a news report on charitable organization called Remote Area Medical that provided medical services in temporary pop-up clinics around the country, operating out of trailers parked outside arenas and fairgrounds. Almost all the patients in the report were white southerners from places like Tennessee, Georgia, and West Virginia-men and women who had jobs but no employer-based insurance or had insurance with deductibles they couldn't afford. Many had driven hundreds of miles- some sleeping in their cars over-night, leaving the engines running to stay warm -to join hundreds of other people lined up before dawn to see one of the volunteer doctors who might pull an infected tooth, diagnose debilitating abdominal pain, or examine a lump in their breast. The demand was so great that pa- tients who arrived after sunup sometimes got turned away. I found the story both heartbreaking and maddening, an indictment of a wealthy nation that failed too many of its citizens. And yet I knew that almost every one of those people waiting to see a free doctor came from a deep-red Republican district, the sort of place where opposition to our healtheare bill, along with support of the Tea Party, was likely to be strongest. There had been a time--back when I was still a state senator driving around southern Illinois or, later, traveling through rural Iowa during the earliest days of the presidential campaign- when I could reach such voters. I wasn't yet well known enough to be the target of caricature, which meant that whatever preconceptions people may have had about a Black guy from Chicago with a foreign name could be dispelled by a simple conversation, a small gesture of kindness. After sitting down with folks in a diner or hearing their complaints at a county fair, I might not get their vote or even agreement on most issues. But we would at least make a connection, and we'd come away from such encounters understanding that we had hopes, struggles, and values in common. I wondered if any of that was still possible, now that I lived locked behind gates and guardsmen, my image filtered through Fox News and other media outlets whose entire business model depended on making their audience angry and fearful.

Us yokels who majored in beer and getting the skirts off Tri-Delts bear no responsibility for Thoreau’s hippie jive or John Kenneth Galbraith’s nitwit economics or Henry Kissinger’s brown-nosing the Shah of Iran. None of us served as models for characters in that greasy Love Story book. Our best and brightest stick to running insurance agencies and don’t go around cozening the nation into Vietnam wars. It wasn’t my school that laid the educational groundwork for FDR’s demagoguery or JFK’s Bay of Pigs slough-off or even Teddy Roosevelt’s fool decision to split the Republican Party and let that buttinski Wilson get elected. You can’t pin the rap on us.

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I thought about what it meant to no longer have parents. There was no longer anyone who always knew my whereabouts. No one to tell when I was leaving town, no one to call when I got home. There was no one to ask for advice (Should I get the travel insurance/anesthesia with my root canal/cheese on my Whopper?). People who don’t have parents—even shitty ones—don’t have anyone to corroborate their earliest memories, call them on their bullshit, care, or even notice, if they are royally screwing up their lives. Before I had someone to blame for my missteps. Now the buck stopped with me.

While John and Julie don’t find their mutual fun in extreme sports, they do find it in swimming, in adventures that don’t require insurance, in finding new places to kayak, and in travelling together to amazing destinations around the globe. They have learned to verbally share their disparate interests, while sharing together the play and fun that works for both of them.

The view out the window was too much—the whoosh through the tunnel, the bright subway ads flashing by, taunting her with offers for travel insurance, human-sized pictures of chocolate bars . . . all the flotsam and jetsam of life. Numbers and houses and futures and food. Why did all this stuff have to fly into her face? Who needed it all? Why go this fast?

Why did her family think pachinko was so terrible? Her father, a traveling salesman, had sold expensive life insurance policies to isolated housewives who couldn't afford them, and Mozasu created spaces where grown men and women could play pinball for money. Both men had made money from chance and fear and loneliness. Every morning, Mozasu and his men tinkered with the machines to fix the outcomes - there could only be a few winners and a lot of losers. And yet we played on, because we had hope that we might be the lucky ones. How could you get angry at the ones who wanted to be in the game? Etsuko had failed in this important way - she had not taught her children to hope, to believe in the perhaps-absurd possibility that they might win. Panchinko was a foolish game, but life was not.

isn’t a vehicle subscription just another word for a lease? Well, no. A lease still binds you to a specific vehicle, whereas a subscription can potentially offer you access to a range of vehicles. “Simply flip between vehicles via the app as your needs change,” says Porsche on its website. You’re signing up with the company, not the car. Another difference: With subscriptions, all the potentially annoying aspects of owning a vehicle (registration, insurance, maintenance) simply go away. With leases, you still have to get your own insurance. Also, many car subscriptions give you the option to subscribe on a month-to-month basis. As Christina Bonnington of Slate notes, “You could theoretically not have a car for ten months of the year when you’re working and using public transit and then get a car subscription for two months when you’ll be travelling more often.

Enter, therefore, a new and ingenious variant of Ultimatum, this one called Dictator. Once again, a small pool of money is divided between two people. But in this case, only one person gets to make a decision. (Thus the name: the “dictator” is the only player who matters.) The original Dictator experiment went like this. Annika was given $20 and told she could split the money with some anonymous Zelda in one of two ways: (1) right down the middle, with each person getting $10; or (2) with Annika keeping $18 and giving Zelda just $2. Dictator was brilliant in its simplicity. As a one-shot game between two anonymous parties, it seemed to strip out all the complicating factors of real-world altruism. Generosity could not be rewarded, nor could selfishness be punished, because the second player (the one who wasn’t the dictator) had no recourse to punish the dictator if the dictator acted selfishly. The anonymity, meanwhile, eliminated whatever personal feeling the donor might have for the recipient. The typical American, for instance, is bound to feel different toward the victims of Hurricane Katrina than the victims of a Chinese earthquake or an African drought. She is also likely to feel different about a hurricane victim and an AIDS victim. So the Dictator game seemed to go straight to the core of our altruistic impulse. How would you play it? Imagine that you’re the dictator, faced with the choice of giving away half of your $20 or giving just $2. The odds are you would . . . divide the money evenly. That’s what three of every four participants did in the first Dictator experiments. Amazing! Dictator and Ultimatum yielded such compelling results that the games soon caught fire in the academic community. They were conducted hundreds of times in myriad versions and settings, by economists as well as psychologists, sociologists, and anthropologists. In a landmark study published in book form as Foundations of Human Sociality, a group of preeminent scholars traveled the world to test altruism in fifteen small-scale societies, including Tanzanian hunter-gatherers, the Ache Indians of Paraguay, and Mongols and Kazakhs in western Mongolia. As it turns out, it didn’t matter if the experiment was run in western Mongolia or the South Side of Chicago: people gave. By now the game was usually configured so that the dictator could give any amount (from $0 to $20), rather than being limited to the original two options ($2 or $10). Under this construct, people gave on average about $4, or 20 percent of their money. The message couldn’t have been much clearer: human beings indeed seemed to be hardwired for altruism. Not only was this conclusion uplifting—at the very least, it seemed to indicate that Kitty Genovese’s neighbors were nothing but a nasty anomaly—but it rocked the very foundation of traditional economics. “Over the past decade,” Foundations of Human Sociality claimed, “research in experimental economics has emphatically falsified the textbook representation of Homo economicus.

Maybe Sloan would agree to a deal. I’d talk to someone about some of my issues if she would agree to go to grief counseling. It wasn’t me giving in to Josh like she wanted, but Sloan knew how much I hated therapists, and she’d always wanted me to see someone. I was debating how to pitch this to her when I glanced into the living room and saw it—a single purple carnation on my coffee table. I looked around the kitchen like I might suddenly find someone in my house. But Stuntman was calm, plopped under my chair. I went in to investigate and saw that the flower sat on top of a binder with the words “just say okay” written on the outside in Josh’s writing. He’d been here? My heart began to pound. I looked again around the living room like I might see him, but it was just the binder. I sat on the sofa, my hands on my knees, staring at the binder for what felt like ages before I drew the courage to pull the book into my lap. I tucked my hair behind my ear and licked my lips, took a breath, and opened it up. The front page read “SoCal Fertility Specialists.” My breath stilled in my lungs. What? He’d had a consultation with Dr. Mason Montgomery from SoCal Fertility. A certified subspecialist in reproductive endocrinology and infertility with the American Board of Obstetrics and Gynecology. He’d talked to them about in vitro and surrogacy, and he’d had fertility testing done. I put a shaky hand to my mouth, and tears began to blur my eyes. I pored over his test results. Josh was a breeding machine. Strong swimmers and an impressive sperm count. He’d circled this and put a winking smiley face next to it and I snorted. He’d outlined the clinic’s high success rates—higher than the national average—and he had gotten signed personal testimonials from previous patients, women like me who used a surrogate. Letter after letter of encouragement, addressed to me. The next page was a complete breakdown on the cost of in vitro and information on Josh’s health insurance and what it covered. His insurance was good. It covered the first round of IVF at 100 percent. He even had a small business plan. He proposed selling doghouses that he would build. The extra income would raise enough money for the second round of in vitro in about three months. The next section was filled with printouts from the Department of International Adoptions. Notes scrawled in Josh’s handwriting said Brazil just opened up. He broke down the process, timeline, and costs right down to travel expenses and court fees. I flipped past a sleeve full of brochures to a page on getting licensed for foster care. He’d already gone through the background check, and he enclosed a form for me, along with a series of available dates for foster care orientation classes and in-home inspections. Was this what he’d been doing? This must have taken him weeks. My chin quivered. Somehow, seeing it all down on paper, knowing we’d be in it together, it didn’t feel so hopeless. It felt like something that we could do. Something that might actually work. Something possible. The last page had an envelope taped to it. I pried it open with trembling hands, my throat getting tight. I know what the journey will look like, Kristen. I’m ready to take this on. I love you and I can’t wait to tell you the best part…Just say okay. I dropped the letter and put my face into my hands and sobbed like I’d never sobbed in my life. He’d done all this for me. Josh looked infertility dead in the eye, and his choice was still me. He never gave up. All this time, no matter how hard I rejected him or how difficult I made it, he never walked away from me. He just changed strategies. And I knew if this one didn’t work he’d try another. And another. And another. He’d never stop trying until I gave in. And Sloan—she knew. She knew this was here, waiting for me. That’s why she’d made me leave. They’d conspired to do this.

Buffalo Bill is important to me as the symbol of the growth of our nation, for his life spanned the settlement of the Great Plains, the Indian Wars, the Gold Rush, the Pony Express, the building of the transcontinental railroad, and the enduring romance of the American frontier-especially the Great Plains. Consider what he witnessed in his lifetime: the invention of the telephone, the transatlantic cable, the automobile, the airplane, and the introduction of modem warfare, with great armies massed against each other, with tanks, armored cars, flame-throwers, and poison gas-a far cry from the days when Cody and the troopers of the Fifth Cavalry rode hell-for-leather across the prairie in pursuit of hostile Indians. Nor, though it is not usually considered a milestone in American history, should we forget Joseph F. Glidden's 1874 invention of barbed wire, which, more than the rifle or the plow, transformed Buffalo Bill's Great Plains by insuring the survival of thousands of family farms, and making possible the growth of enormous-and enormously profitable-cattle ranches. In addition, I feel a personal connection. In April 1855 my great-granduncle Alexander Carter Jr. and his younger brother, Thomas Marion Carter, left their home in Scioto County, Ohio, and headed west. Starting by steamboat, the two brothers floated down the Ohio River until it joined the Mississippi and then traveled upstream to St. Louis. In St. Louis they found little transportation west, so they walked, hitched rides, and rode horseback to reach St. Joseph, Missouri. There they caught a stagecoach to Council Bluffs, Iowa, riding on top of the stage, with seventeen men and women-a three-day ordeal. On May 14, nineteen days after leaving St. Louis, the brothers crossed the Missouri River and landed on the town site of Omaha, then a community of cotton tents and shanties, where lots were being offered to anyone willing to build on them. They refused this offer and pressed on to their final destination, DeSoto, Washington County, Nebraska Territory, where

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Why did her family think pachinko was so terrible? Her father, a traveling salesman, had sold expensive life insurance policies to isolated housewives who couldn’t afford them, and Mozasu created spaces where grown men and women could play pinball for money. Both men had made money from chance and fear and loneliness. Every morning, Mozasu and his men tinkered with the machines to fix the outcomes—there could only be a few winners and a lot of losers. And yet we played on, because we had hope that we might be the lucky ones. How could we get angry at the ones who wanted to be in the game? Etsuko had failed in this important way—she had not her children to hope, to believe in the perhaps-absurd possibility that they might win. Pachinko was a foolish game, but life was not.

Unfortunately, this insurance did not include the special blood donations, which Maggie needed due to her illness. There was a need to turn to other factors for blood donations, and so Isaac initiated contact with Ezer Mitzion Association, a volunteer organization that worked to help patients and their families. The organization offered help and expressed their willingness to recruit people for blood donations. Isaac settled for modest help. He asked them to send him warm meals during his stay with Maggie at the hospital. For the blood donations he enlisted his colleagues from Israel Electric Corporation. Employees traveled in small groups of up to five people, from Tiberias to Hadassah Hospital, and donated the blood needed. More volunteers were not lacking, among them were neighbors. Everyone chipped in and enlisted as one for the task. They had all the blood units needed, to be delivered to the hospital.

Every insurance company is different, and you should look around to see what companies offer and which are best for your trip. For that, I highly recommend the website Insure My Trip (insuremytrip.com). They compare insurance policies for more than twenty insurance providers, and because they let you compare plans in a grid layout, it’s easy to see exactly what each company covers. You’ll be able to compare medical coverage limits, emergency evacuation coverage, trip cancellation coverage, dental coverage, disaster coverage, and everything else under the sun. Some of the most popular travel insurance companies include STA Travel Insurance (statravel.com), World Nomads (worldnomads .com), MedEx (medexassist.com), MedjetAssist (medjetassist.com), and IMG (imglobal.com).

When Warren was a little boy fingerprinting nuns and collecting bottle caps, he had no knowledge of what he would someday become. Yet as he rode his bike through Spring Valley, flinging papers day after day, and raced through the halls of The Westchester, pulse pounding, trying to make his deliveries on time, if you had asked him if he wanted to be the richest man on earth—with his whole heart, he would have said, Yes. That passion had led him to study a universe of thousands of stocks. It made him burrow into libraries and basements for records nobody else troubled to get. He sat up nights studying hundreds of thousands of numbers that would glaze anyone else’s eyes. He read every word of several newspapers each morning and sucked down the Wall Street Journal like his morning Pepsi, then Coke. He dropped in on companies, spending hours talking about barrels with the woman who ran an outpost of Greif Bros. Cooperage or auto insurance with Lorimer Davidson. He read magazines like the Progressive Grocer to learn how to stock a meat department. He stuffed the backseat of his car with Moody’s Manuals and ledgers on his honeymoon. He spent months reading old newspapers dating back a century to learn the cycles of business, the history of Wall Street, the history of capitalism, the history of the modern corporation. He followed the world of politics intensely and recognized how it affected business. He analyzed economic statistics until he had a deep understanding of what they signified. Since childhood, he had read every biography he could find of people he admired, looking for the lessons he could learn from their lives. He attached himself to everyone who could help him and coattailed anyone he could find who was smart. He ruled out paying attention to almost anything but business—art, literature, science, travel, architecture—so that he could focus on his passion. He defined a circle of competence to avoid making mistakes. To limit risk he never used any significant amount of debt. He never stopped thinking about business: what made a good business, what made a bad business, how they competed, what made customers loyal to one versus another. He had an unusual way of turning problems around in his head, which gave him insights nobody else had. He developed a network of people who—for the sake of his friendship as well as his sagacity—not only helped him but also stayed out of his way when he wanted them to. In hard times or easy, he never stopped thinking about ways to make money. And all of this energy and intensity became the motor that powered his innate intelligence, temperament, and skills.

Know who will be assuming the risk in advance. Talk to your insurance agent first and get informed as to exactly what will be covered when you rent vans. You have made an investment in your agent as your expert. Follow the advice given and do not deviate. While the decision to accept or decline the extra coverage products will ultimately be yours, you should arm yourself so that the rental firm cannot just sell you everything in their arsenal without you realizing it. Call the rental office in advance and get an explanation of the coverage products. Decide before pickup!

Kisan Call Centres provide valuable and timely knowledge support to farmers and fishermen. Similar domain service provider call centres are required in the field of commerce and industry, entrepreneurial skill development and employment generation, travel and tourism, banking and insurance, meteorological forecasting, disaster warning systems, education and human resource development and healthcare.

Understand that the size of the coach makes little difference in the total investment. Coaches of all sizes cost the carrier about the same to insure across the board. In addition, the size of your group does not reduce the required investment dramatically. Most coaches that can transport less than 36 passengers will not be allowed to travel more than 150 miles from the carrier’s home base. These coaches will not have restrooms, ample luggage space, or the level of comfort needed.

Mru consulting has partners for hotel bookings, car hire bookings, tours & transfers, travel insurance and visa information. Contact us for more information.

Naturally, payment networks want to prevent fraudulent transactions, banks want to avoid bad loans, airlines want to avoid hijackings, and companies want to avoid hiring ineffective or untrustworthy people. From their point of view, the cost of a missed business opportunity is low, but the cost of a bad loan or a problematic employee is much higher, so it is natural for organizations to want to be cautious. If in doubt, they are better off saying no. However, as algorithmic decision-making becomes more widespread, someone who has (accurately or falsely) been labeled as risky by some algorithm may suffer a large number of those “no” decisions. Systematically being excluded from jobs, air travel, insurance coverage, property rental, financial services, and other key aspects of society is such a large constraint of the individual’s freedom that it has been called “algorithmic prison” [82]. In countries that respect human rights, the criminal justice system presumes innocence until proven guilty; on the other hand, automated systems can systematically and arbitrarily exclude a person from participating in society without any proof of guilt, and with little chance of appeal.

Get a certificate of insurance in advance. When hiring any vehicle accompanied by a driver, get certificates of insurance listing your organization as additional insured. Before they arrive at your facility to pick up your group, you should have the certificate in hand. A call to verify it by telephone would be beneficial as well unless the certificate was sent straight from the insurance agency.

Your committee is satisfied from the proofs submitted ... that there is an established and well defined identity and community of interest between a few leaders of finance ... which has resulted in great and rapidly growing concentration of the control of money and credit in the hands of these few men.... Under our system of issuing and distributing corporate securities the investing public does not buy directly from the corporation. The securities travel from the issuing house through middlemen to the investor. It is only the great banks or bankers with access to the mainsprings of the concentrated resources made up of other people's money, in the banks, trust companies, and life insurance companies, and with control of the machinery for creating markets and distributing securities, who have had the power to underwrite or guarantee the sale of large-scale security issues. The men who through their control over the funds of our railroad and industrial companies are able to direct where such funds shall be kept, and thus to create these great reservoirs of the people's money are the ones who are in a position to tap those reservoirs for the ventures in which they are interested and to prevent their being tapped for purposes which they do not approve.... When we consider, also, in this connection that into these reservoirs of money and credit there flow a large part of the reserves of the banks of the country, that they are also the agents and correspondents of the out-of-town banks in the loaning of their surplus funds in the only public money market of the country, and that a small group of men and their partners and associates have now further strengthened their hold upon the resources of these institutions by acquiring large stock holdings therein, by representation on their boards and through valuable patronage, we begin to realize something of the extent to which this practical and effective domination and control over our greatest financial, railroad and industrial corporations has developed, largely within the past five years, and that it is fraught with peril to the welfare of the country.3 Such was the nature of the wealth and power represented by those six men who gathered in secret that night and travelled in the luxury of Senator Aldrich's private car.