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A German firm called Friendsurance relies on people forming their own groups, which apply peer pressure to keep claims and costs lower. The result is refunded premiums for customers and profit for the company.
There are so few times in life where you are passionate about anything. And I think that if you can find that, you should just hold on to it and protect it at all costs and just follow it, because it's so rare.
Net return is simply the gross return of your investment portfolio less the costs you incur. Keep your investment expenses low, for the tyranny of compounding costs can devastate the miracle of compounding returns.
Washington is broken. Bailing out Wall Street with no strings attached while leaving middle class Arkansas taxpayers with the bill. Protecting insurance company profits instead of patients and lowering health costs.
A more courageous empathy is needed in our country to see the struggles of people from factory towns to farm towns to city towns who can't even afford the rent in their cities anymore because costs are going so high.
Health care comprises nearly 20 percent of our national economy, but outdated bureaucracy and red tape have stifled competition and raised costs. As a result, today more than 45 million are without any health coverage.
I started off thinking that maybe the social sciences ought to have the kinds of mathematics that the natural sciences had. That works a little bit in economics because they talk about costs, prices and quantities of goods.
It really costs me a lot emotionally to watch myself on screen. I think of myself, and feel like I'm quite young, and then I look at this old man with the baggy chins and the tired eyes and the receding hairline and all that.
I think, as a chef and restaurateur, that you have to take care of your business. Otherwise, you're only as good as your last meal. You have to watch if your food costs are too high, or you could be out of business in no time.
From cell phones to computers, quality is improving and costs are shrinking as companies fight to offer the public the best product at the best price. But this philosophy is sadly missing from our health-care insurance system.
If the EPA continues unabated, jobs will be shipped to China and India as energy costs skyrocket. Most of the media attention has focused on the EPA's efforts to regulate climate-change emissions, but that is just the beginning.
Illegal immigration is crisis for our country. It is an open door for drugs, criminals, and potential terrorists to enter our country. It is straining our economy, adding costs to our judicial, healthcare, and education systems.
Environmental degradation has one cause above all others: the propensity of human beings to take the benefit and leave the costs to someone else, preferably someone far away in space or time, whose protests can be safely ignored.
You have to struggle a bit, hustle a little, and be willing to go bankrupt. Once you're willing to do that, everything opens up and you get the freedom. My joke is that next year, I'll make the first film that costs zero dollars.
Doing all we can to combat climate change comes with numerous benefits, from reducing pollution and associated health care costs to strengthening and diversifying the economy by shifting to renewable energy, among other measures.
When I think of those in the 'far right' or those who are pro-life to the extreme and at all costs protect the unborn, the thing that enrages me is you want to ask every one of them, 'How many foster children are in your home now?'
By the Obama administration's reasoning, it would be constitutionally permissible to make Americans purchase nearly any product (broccoli, gym membership) that improved their health and thereby contributed to lower health-care costs.
Businesses who are members of Businesses for Social Responsibility or the Social Venture Network are internalizing costs on a voluntary basis and therefore raising their costs of doing business, but their competitors are not required to.
The first principle of the market economy is that it is comprised of many small buyers and sellers, which implies a substantial degree of equity. Another fundamental market principle is that costs are internalized in the producer's price.
It's widely recognized that employers and employees need more assistance addressing problems with rising health care costs. Attempts to address the problem are going to require a federal response, not a patchwork of state and local mandates.
When e-commerce companies build scale, cost comes down. Companies that can handle scale and reduce costs over time will win. Margins will come from reducing costs over time and not by increasing prices. Technology is the answer at large scale.
Precision, speed, unambiguity, knowledge of files, continuity, discretion, unity, strict subordination, reduction of friction and of material and personal costs - these are raised to the optimum point in the strictly bureaucratic administration.
There are two types of films - one made by the big-time producers, the other is low budget stuff made by some producers who make films for the heck of it, they complete their films for small amounts, sell it at low costs with almost no publicity.
As a former waitress myself, I know firsthand how a simple smile from someone can improve your day and how a single harsh word can destroy it. Being courteous and thoughtful costs you nothing and can sometimes pay you dividends in unexpected ways.
When coffee prices fall below production costs, farmers are often forced off their land, and they lose their homes, everything. With fair trade, farmers get a fair price for their harvest with a guaranteed minimum, so they can invest in their crops.
Commissions add up, taxes are a big drag, margin ain't cheap. A good accountant costs money as well. The math on this one is obvious, yet investors often fail to recognize it: Keep your costs low and your turnover lower, and you will win in the end.
Encouraging wellness and prevention helps improve quality of life and can lower costs, too. I saw too many patients who had poor health because of their decisions, but too often, all they needed was a doctor to help point them in the right direction.
Integrity is the first step to true greatness. Men love to praise, but are slow to practice it. To maintain it in high places costs self-denial; in all places it is liable to opposition, but its end is glorious, and the universe will yet do it homage.
Tattooed across NASCAR drivers' jumpsuits and over every square inch of their cars are the logos of the companies sponsoring the teams, underwriting the costs, paying their salaries. Everyone can see who the drivers represent and who is footing the bill.
The basic premise of insurance is the pooling of funds from many to cover the costs of some. There are complicated methods for how to do this, but one fact remains consistent: For insurance to work well, people need to be in and stay in the insurance pool.
By 1956, London Transport was recruiting in Barbados, even loaning migrants the costs of their passage to Britain. British Rail placed ads in the Barbados Labour Office and the NHS appealed to West Indian women to come to Britain and train to become nurses.
The need for a college education is even more important now than it was before, but I think that the increased costs are a very severe obstacle to access. It is an American dream, and I think that one of our challenges is to find a way to make that available.
A tremendous amount of the entrepreneurial initiative, if you want to call it that, comes from the dynamic state sector on which most of the economy relies to socialize costs and risks and privatize eventual profit. And that's achieved by, if you like, advertising.
Globalisation has powered economic growth in developing countries such as China. Global logistics, low domestic production costs, and strong consumer demand have let the country develop strong export-based manufacturing, making the country the workshop of the world.
CCTV is seen either as a symbol of Orwellian dystopia or a technology that will lead to crime-free streets and civil behaviour. While arguments continue, there is very little solid data in the public domain about the costs, quantity and effectiveness of surveillance.
When you are in business for a long time, you go through good times and bad times. When you go through bad times, you learn to control costs, satisfy customers better, satisfy employees better and become more transparent. Therefore, you build character in the company.
Competitiveness is really what it costs you per man-hour to get you what you want. In other words, there's an education level that plays into the mix and so if it's inexpensive to buy an hour of real good education in places like China versus the U.S., that factors in.
Since environmental and health damage is not factored into reducing GDP - and in fact the resulting health costs and the costs of cleaning up the environment would also inflate GDP, a GDP obsessed government would try and dismantle environmental and health regulations.
Raising the minimum wage represents a substantial financial burden for employers, particularly start-ups, early stage companies, and family-owned businesses. In response, business owners would be forced to either lay off workers or raise prices to offset the rise in labor costs.
Politicians also have a love affair with the 'small business exemption.' Too much paperwork? Too heavy a burden? Not enough time? Just exempt small businesses from the rule. It sounds so pro-growth. Instead it's an admission that the costs of a regulation just can't be justified.
I try to live with honor, even if it costs me millions of dollars and takes a long time. It's very unusual in Hollywood. Few people are trustworthy - a handshake means nothing to them. They feel they're required to keep an agreement with you only if you're successful or they need you.
If you were to just design the perfect retirement plan, you would own the stock market or you would own the bond market. You would get all the costs or all that you possibly could out of the system. So on an annual basis, if the market went up 8 percent, you would get 7.8 or 7.9 percent.
Morality aside, there are other factors deterring 'strategic defaults,' whether in recourse or nonrecourse states. These include the economic and emotional costs of giving up one's home and moving, the perceived social stigma of defaulting, and a serious hit to a borrower's credit rating.
In investing, you get what you don't pay for. Costs matter. So intelligent investors will use low-cost index funds to build a diversified portfolio of stocks and bonds, and they will stay the course. And they won't be foolish enough to think that they can consistently outsmart the market.
Every minute you spend looking through clutter, wondering where you put this or that, being unable to focus because you're not organized costs you: time you could have spent with family or friends, time you could have been productive around the house, time you could have been making money.
Where the costs of entry are minimal, there is a wide avenue of opportunity for those with little or nothing, which is why football is just about the most democratic sport of all: African and Brazilian footballers compete on a level playing field with their rich white European counterparts.
Two decades of experience as an entrepreneur and CEO has informed my view that our priorities must stress improving educational outcomes, rebuilding America's infrastructure, lowering health care costs, addressing climate change, reforming immigration, and ushering in an advanced energy economy.
I would ask: Given the nature of free-market capitalism - where the rule is to rise to the top at all costs - is it possible to have a financial industry hero? And by the way, this is not a pop-culture trend we're talking about. There aren't many financial heroes in literature, theater or cinema.
Through decentralized cryptography, Bitcoin eliminates the need for banking intermediaries, significantly lowering transaction costs, and could liberate poverty-stricken economies around the globe by providing access to capital to the one-third of humanity that is excluded from the financial world.
Millions of Americans today are taking dietary supplements, practicing yoga and integrating other natural therapies into their lives. These are all preventive measures that will keep them out of the doctor's office and drive down the costs of treating serious problems like heart disease and diabetes.