Archives for the month of: November, 2010

Sometimes in life you meet with someone who you feel is obsessed with you. This is a subjective experience, however, because the other person may claim, till the day they die, that they were never obsessed. This creates one of those problems where “giving the hint” just doesn’t work because the other person lives in some kind of bizarre denial of reality. The reality being that you wouldn’t mind watching them jump off a cliff, but you are just too polite to tell them to their face.

There are certain signs one may find which I am going to list when you see someone who you think is obsessed. This may also go through some personality traits which are difficult to deal with. The first obvious sign is that they will try and find moments when they can catch you in their glance or try and give you a lop sided smile when no one else is around. This is kind of like saying “Hey, you wanna fool around while no one else watches”. This is the creepiest shit you will ever find in the world and requires something akin to a slap across the face to snap the person out of it. I think that is the depressing part however that even if you were to slap the person it wouldn’t make a different. There are also subtle hand gestures and body language which can give a person’s feelings away. Often a person will make sure you see them doing something while pretending that they don’t notice you.

Essentially, this boils down to dealing with someone who lives a lie and doesn’t want to admit it. Sometimes you just have to let go of your inner desires and try to find another way of being. This is especially prevalent in smaller communities and organizations where everyone knows one another. If you see some mental case on the streets of New York, one day, you can be fairly certain that you won’t see them again the next day. This mental obsession is dangerous for general sanity.


There is a lot to learn about the insurance world, because the term itself is so vague. Insurance is a financial concept which means to hedge against risk or uncertain loss by means of compensation. The basic idea is that you need to insure against loss so you rake out a contract for which you have to pay monthly premiums for a compensation under the terms of the agreement (indemnity).

In the United States, one can patent certain insurance policies to protect others from copying them. Because these policies can become so complex, there are often brokers (shops for large institutions and earns a percentage), agents (works for one insurance company) and independent consultants (a fee service retainer) to advise people on which types and which policies to purchase. One can insure almost anything, but there are a few more popular areas where people seek out insurance coverage.

The aim of this post is to ease the approach to the very complex world. This post will try to go through the basics of insurance in the following points:

Accident, Sickness and Unemployment:
-Protects from disability, long-term disability and worker’s compensation

-A type of insurance that pays the family of the holder an annuity or pension upon the death of the policy holder.

-For mortgage and credit cards

-A broader term that can protect one from accidents, criminal activity and political risk.

ID theft, travel, overseas

-Property insurance; to cover damage and theft to car
-Liability insurance; covers the responsibility to others for bodily injury or property damage (almost always required)
-Medical insurance; covers costs of treating injuries, rehabilitation or lost wages

-This type of insurance can come from different sources. There can be the government like the NHS system in the UK or Medicare in the US. It can also come from employers and the term is not only used for health, but also for dental.

-This is one of the more complex and extensive types of insurance. It can cover a wide range of property against fire, theft and weather. Home and landlords (renters) are common types of property insurance. Other types of property insurance include aviation, boiler (for machinery), builder’s, crop, earthquake, fidelity bond (for businesses against employees), flood, terrorism and marine.

-Public liability covers an organization from claims against them resulting from damage to public property
-Directors and Officers liability insurance covers claims against the directors of an organization due to errors in decision making
-Environmental liability protects against damage from pollutants
-Errors and Omissions protects holders from liabilities caused by professionals like insurance agents, real estate agents, brokers, architects and third-party administrators.
-Prize indemnity protects holders from having to give away large prize money rewards at competitions like half-court throws and hole-in-one shots.
-Professional liability protects architectural corporations and medical practitioners against negligence claims from their patients.  This includes medical malpractice insurance for doctors and nurses.

Business Specific:
-Liability, Specialty Liability, Crime, Commercial Auto, Property, Worker’s Compensation, Inland Marine, Equipment Breakdown, Interruption, Bonds, Travel, Accidental Injury, Farm

-The over-arching policies

Some major companies in the US include:
GEICO, Allstate, Nationwide, Progressive, State Farm, Berkshire Hathaway, GMAC, MetLife, Esurance, Allied Insurance and AIG

A few notes about how some people operate and think. People generally enjoy rank which directly relates to seniority and background.

Society and history teach us two things about power, prestige and professionalism:
First, one must look at the three classical professions, divinity, medicine and law
Then you can go down the list of professions to surveying, actuaries, dentists, engineers, architects and accountants etc. This is in opposition to the laborer who must perform physical work instead of mental work thereby implying a less prestigious position. People will constantly vie for self-esteem and honor with a fear of being forgotten.

On the other side of this it seems that the more one controls the more you will experience frustration with the world. This is the anti-power movement; battling will powers never stop anywhere.

And lastly a picture is worth a thousand words:

I am going to attempt to compress a quick study of linguistics into a more “bite-size” piece of reading. The aim here is to give the reader a better idea of how language is structured and everything involved in our complex human communication systems. Linguistics and language applies to almost everything we experience so it should give the reader clarity in other subjects as well.

I will now try and give a brief outline of each of the sub-categories-

Grammar and Syntax: Grammar and syntax are the parts of language which deal with structure of words, sentences and phrases. The structure of words is often described as morphology which is a complex system of identification and description with morphemes. Morphemes are the smallest pieces of words which contain meaning. For example, the word unbreakable has three morphemes, “un”, “break” and “able”. Syntax, generally, has to do with the bigger picture of the sentence.

Phonology and Phonetics: These are two closely related concepts and the differentiations are slight. Phonetics deals with phones which are a set of symbols dealing with acoustic properties. Phonology deals more with the sound system of languages which is classified using phonemes (aspirated, tenuis and voiced). This is more closely related to the voice of the speaker than the sound of the letters.

Meaning: This deals with the meaning behind the words in the world of semantics and pragmatics. The term semantics has to do with expression of concepts through words, phrases and sentences. Pragmatics is a branch of linguistics which deals with the context of sentences and expression. It explains how users of language overcome ambiguity in words by relying on manner, place and time. Pragmatics implies, speech act theory (locution), conversational implicature and talk in interaction.

Prosody: This branch of linguistics deals with stress, rhythm and intonation of speech. For example, one may find the mood of the sentence while listening to the voice of someone asking a question or giving a command; being ironic or sarcastic; showing emphasis, contrast and focus.

Orthography: This is an aspect of linguistics which deals with the writing system of language. It uses a set of graphemes to display the characters and diacritics to show changes in sound. It is also a form of typography and deals with many similar elements like hyphenation, capitalization, word breaks, emphasis and punctuation.

Dialectology: This is the branch of linguistics which deals with the social aspects of language. It revolves around geographic distribution of language and associated features. Looking at the ancestral roots of that language and seeing how it formed can also help in understanding the dialects.