HSBC (HongKong and Shanghai Banking Company)
The Customs House:
The Shanghai Gold Exchange:
Health insurance is the primary payment mechanism not just for expenses that are unexpected and large, but for nearly all health-care expenses. We’ve become so used to health insurance that we don’t realize how absurd that is. We can’t imagine paying for gas with our auto-insurance policy, or for our electric bills with our homeowners insurance, but we all assume that our regular checkups and dental cleanings will be covered at least partially by insurance.His solution is, in part:
In place of these programs and the premiums we now contribute to them, and along with catastrophic insurance, the government should create a new form of health savings account—a vehicle that has existed, though in imperfect form, since 2003. Every American should be required to maintain an HSA, and contribute a minimum percentage of post-tax income, subject to a floor and a cap in total dollar contributions. The income percentage required should rise over a working life, as wages and wealth typically do. All noncatastrophic care should eventually be funded out of HSAs.I couldn't put my finger on why this bit bothered me, until I remembered a question I asked my mother when I little. We used to join a swim club every summer so we could go to the pool. I asked (apparently a consultant from birth): "If we paid each time we went, how many times would we have to go to get to what we pay for membership?" My mother replied, "A lot. But, then we'd think about whether we really needed to go each time, and would often wind up not going. This way, we can go for a swim whenever we want."
During his senior year of college, [Larry] Summers was considering graduate school in both theoretical physics and economics. For weeks, he anguished over whether to pursue his passion (physics) or the family business (in addition to his economist parents, Summers has two uncles--Paul Samuelson and Kenneth Arrow-- who won Nobel prizes in the field). After he finally decided on the latter, he explained his thinking to Rollins: "What does a bad theoretical physicist do for a living? He walks into an office, sits at a desk, and stares at a plain white sheet of paper." "But," Summers added, "there's a lot of work in the world for a bad economist."I'm also of course reminded of the great Jed Barlet quotation about why he didn't go to law school (another choice that I've made):
President Josiah Bartlet: [later] [The White House Counsel] looks down his nose at me 'cause I'm not a lawyer.Fiction of course, but amusing fiction nonetheless.
Leo McGarry: Yes.
President Josiah Bartlet: I didn't go to law school. I got a PhD in economics instead.
Leo McGarry: Your parents were very proud.
President Josiah Bartlet: Yeah, and all that happened was I won a Nobel Prize and got elected President so I guess that decision didn't really pay off.
Leo McGarry: Yeah.
President Josiah Bartlet: Should I run back and get my Nobel Prize?
Leo McGarry: I think he knows you've got one.
"The West Wing: Bad Moon Rising (#2.19)" (2001)
Amazing.When Mr. Reid presents his shoulder to his own orthopedist in Colorado, the doctor is quick to recommend a shoulder replacement. It will cost his insurer tens of thousands of dollars (assuming it agrees to pay), with unknown co-payments for him. Risks include all those of major surgery; benefits include a restored golf swing.
The same shoulder gets substantially different reactions elsewhere in the world.
In France, a general practitioner sends him to an orthopedist (out-of-pocket consultation fee: $10) who recommends physical therapy, suggests an easily available second opinion if Mr. Reid really wants that surgery, and notes that the cost of the operation will be entirely covered by insurance (waiting time about a month).
In Germany, the operation is his for the asking the following week, for an out-of-pocket cost of about $30.
In London, a cheerful general practitioner tells Mr. Reid to learn to live with his shoulder. No joint replacement is done in Britain without disability far more serious than his to justify the expense and the risks, and if his golf game is that important, he can go private and foot the bill himself.
In Japan, the foremost orthopedist in the country (waiting time for an appointment, less than a day) offers a range of possible treatments, from steroid injections to surgery, all covered by insurance. (“Think about it, and call me.”)
In an Ayurvedic hospital in India, a regimen of meditation, rice, lentils and massage paid for entirely out of pocket, $42.85 per night, led to “obvious improvement in my frozen joint,” Mr. Reid writes, adding, “To this day, I don’t know why it happened.”
2. Exercise on an empty stomach. If their bodies have no food, their metabolic thermostats are turned down even lower to conserve fuel.
3. Take a nap after eating. The Sumo secret for gaining weight is that, after eating, they sleep for at least four hours.
4. Eat late in the day. Going to bed with full stomachs means that their bodies must respond to the huge flood of nutrients with a rush of insulin, forcing their bodies to store some of it in the cells as fat instead of in the muscles and organs as nutrients.
5. Always eat with others in a social atmosphere. According to leading researchers, a meal eaten with others can be at least 44 percent larger and with 30 percent more calories and fat.
So, the healthy practice would be to do the opposite of all of these, meaning eat three balanced meals at regular hours, eat something before you excersice, don't take long naps after you eat (except on Shabbos!), and eat some meals alone. Sounds like great advice.
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Dunash ibn Tamim was an astronomer, grammarian, and physician, who served as court physician to the Fatimite caliphs of Kairouan (now in Tunisia).
Dunash ben Labrat ha-Levi was a poet, commentator, and grammarian, who among many other accomplisments composed Dror Yikra, a song for the Jewish Sabbath still commonly sung today.