1 Ten reasons why today might be better than the Good Old Days 8 Digital Vision/Getty Images.
2 Reason 1 You don t have to empty chamber pots or walk to the outhouse. Before you set the time-machine dial for the good old days, try this exercise. We ll call it a historical reenactment of using an outhouse: Get out of bed just before dawn on a February morning when the ground is blanketed by snow and the thermometer reads 25 degrees. Walk around to the backyard, as if you were heading to the outhouse, and.... We re betting that most of you won t even make it out the door. But don t despair. There s an alternative. Grab a pot from the kitchen, and... oh, forget it. You wouldn t be happy in a world without indoor plumbing. Take our word for it. Of course, if you had lived in 1800, when no one had a flush toilet, or 1900 when they were still a luxury, using outhouses and chamber pots would have been a normal part of everyday life. You wouldn t have been unhappy about it. PERCENT OF OCCUPIED HOUSING UNITS IN U.S. WITH: Flush toilets Central heat Electricity Refrigerators Washing machines Air conditioning Sources: The First Measured Century, Theodore Caplow, Louis Hicks, and Ben J. Wattenberg, AEI Press, Pursuing Happiness, Stanley Lebergott, Princeton University Press, Statistical Abstract of the United States: American Housing Survey: 2001, U.S. Census Bureau. Reason 2 You don t have to grow your own food, if you don t want to. An old Guy Clark song tells us there are, Only two things that money can t buy. That s true love and homegrown tomatoes. We re not sure about true love, but he was right about homegrown tomatoes. And for those of us that spend our days in offices, factories, and other indoor workplaces, growing our own tomatoes is a labor of love. But if we had to grow all our own food if we had no other choice and our survival depended on the fickleness of nature our enjoyment would diminish. Over the past 200 years, the increase in agricultural productivity has freed most of us from the burden of growing our own food. And cheaper, faster transportation has given consumers access to more varieties of food at a lower cost. Another plus: Thanks to thermostat-controlled ovens, microwaves, and refrigerators, we no longer need to spend as much of our day preparing the food we eat. One example: In 1900, only 25 percent of the bread consumed in the United States was commercially baked. (source: Harvey Green, The Light of the Home). True, few things can compare with freshly baked, homemade bread, but it loses some of its appeal when you have to bake it, whether you want to or not. PERCENT OF LABOR FORCE WORKING IN AGRICULTURE Source: Historical Statistics of the United States, U.S. Census Bureau, and Statistical Abstract of the United States, Outhouse. Courtesy of Library of Congress. Unhappiness wouldn t set in until most of your neighbors had a flush toilet and you didn t. The same goes for running water, central heating, refrigeration, and all the other comforts of modern life that we sometimes take for granted. Reason 3 Anesthesia, Antibiotics, and Immunization If you ever get a chance to visit Plimoth Plantation, Old Sturbridge Village, Colonial Williamsburg, or any of the other living history FOOD EXPENDITURES Percent of Household Income At home Away from home Total Source: Economic Research Service, U.S. Department of Agriculture. 9
3 First public demonstration of anesthesia, Massachusetts General Hospital, Courtesy of Massachusetts General Hospital. museums, be sure to stop by the doctor s house. When you first step through the door, you ll swear you ve taken a wrong turn into the carpenter s shop. The surgical instruments will make you cringe, and when your eyes rest on the bone saw, bear in mind that when the doctor was cutting through an arm or a leg, the patient would have been fully awake, with only a shot of whiskey or rum to dull the pain. Even injuries that weren t immediately life-threatening, such as gashes or puncture wounds, often proved fatal. The risk of infection was ever-present, and antibiotics had yet to be invented. Nor were there immunization programs or public health campaigns to stop the spread of diseases that are now preventable. True, people might look back on us 200 years from now and recoil in horror at many of our medical theories and practices, but there s no denying that we are a lot better off than our ancestors were. Childhood immunization programs, better pre-natal care, municipal water and sewer projects, efficient trash management, automobile safety improvements, workplace safety programs, and smoking cessation campaigns have all led to measurable progress. Just look at the numbers: In 1920, measles killed 7,575 Americans. In 2000, there was one reported death from measles in the United States. Source: U.S. Department of Health and Human Services Centers for Disease Control In 1900, 194 of every 100,000 U.S. residents died from tuberculosis. In 2000, the TB death rate was 5.8 per 100,000. Source: U.S. Department of Health and Human Services Centers for Disease Control Since 1972, U.S. death rates from coronary heart disease have decreased more than 50 percent. Source: Statistical Abstract of the United States: 1999 and Statistical Abstract of the United States: 2002 At the beginning of the 20th century, for every 1,000 live births, six to nine U.S. women died of pregnancy-related complications. One hundred years later, the maternal mortality rate was less than 0.1 per 1,000 live births. Source: U.S. Department of Health and Human Services Centers for Disease Control Since 1980, the U.S. infant mortality has fallen by 45 percent. Source: Smile, these are good times. Truly The Economist, 3/11/04 But other health-related news is more open to interpretation... Use of cholesterol lowering statins in the U.S. quadrupled during the period from 1995/96 to 2001/02. Source: U.S. Department of Health and Human Services Centers for Disease Control From one perspective, you could say that our modern diet and sedentary lifestyle have led to a big increase in the number of Americans with dangerously high cholesterol levels. (Not a good thing.) But a more optimistic view might be that more Americans are undergoing cholesterol screening, and medical research has led to a drug that helps control high cholesterol. U.S. WORKERS KILLED ON THE JOB Number 23,000 13,800 5,200 Rate per 100,000 workers Sources: Bureau of Labor Statistics and Statistical Abstract of the United States, Use of antidepressant drugs in the U.S. tripled during the 1990s. Source: U.S. Department of Health and Human Services Centers for Disease Control You might see this statistic as yet another indication that modern life is incredibly stressful. (Not a good thing.) But there s also cause for optimism because more people are actively seeking help for depression, and 10
4 there s an effective form of treatment available to them. More than 45 million Americans were without health insurance in That s close to 16 percent of the U.S. population. Source: U.S. Census Bureau No matter how you look at it, this is not a good thing. The only bright spot is that access to affordable health care is a major national concern, and Americans are talking about how best to address the problem. Reason 4 You don t have to spend your whole life in one place if you don t want to. Ah, for the good old days when people lived in close-knit communities where everyone knew your name and people always looked out for one another.... And peeked out their windows to check on what you were doing... and poked their noses into your business... and put tremendous pressure on you to behave exactly as they did. (Hey, if you want the comfort of a close-knit community, you have to take the whole package.) One advantage of living in the modern world is that we re not stuck in one place if we don t want to be. We don t think twice about driving 100 miles to go for a hike in the mountains or driving 50 miles to get a good deal on a TV or flying across the country to attend a wedding. Ryan McVay/Getty Images That s in sharp contrast to pre-industrial times when people often lived and died within a few miles of where they were born because travel was slow, costly, uncomfortable, and dangerous. There were no simple trips. A shopping excursion to a market town 10 miles away could turn into a daylong odyssey. Travel conditions had a big impact on commercial life. Prices were high and selection was limited because the distribution of goods was expensive and time-consuming. Three examples: A ton of goods could be brought 3,000 miles from Europe to America for about nine dollars, and for the same sum it could be moved only 30 miles overland in this country. Source: U.S. Senate Committee Report, 1816 Courtesy of the Federal Highway Administration. In 1812, a freight wagon drawn by four horses took 75 days to travel from Worcester, MA, to Charleston, SC. Source: The Transportation Revolution, George Rogers Taylor In the 1840s, the voyage from Boston to San Francisco took 150 to 200 days aboard a conventional sailing ship or 110 days by clipper ship. Today, commercial jets make the trip in under five hours. Source: The Transportation Revolution, George Rogers Taylor 11
5 TV WATCHING Average Daily Hours per Household with a TV Source: U.S. Census Bureau Until the mid-19th century, travelers were mainly people that needed to leave home to earn a living: sailors, whalers, trappers, itinerant peddlers. And, for the most part, they would have been bewildered by the notion of traveling for pleasure. Railroads and steamboats gave pleasure travel a boost, but from about 1850 to 1950, travel, particularly foreign travel, was a pleasure reserved mainly for the well-to-do. The democratization of long-distance pleasure travel had to wait until the 1960s, when commercial jets began to have an impact on the cost of getting from point A to point B. Today, when we hear people say they re going to Paris or some island paradise, we no longer assume they re related to someone named Vanderbilt, Rockefeller, or Gates. In fact, we ve reached the stage where seasoned travelers sometimes grumble about overbuilding and overcrowding at popular vacation destinations. But if you find yourself elbow-to-elbow with other tourists on your next trip to Venice or Honolulu, just remember this: If we were back in the days when those places were unspoiled, chances are that you and I probably wouldn t have been among the happy few traveling to them. Courtesy of Library of Congress. AVERAGE ANNUAL HOURS WORKED IN 2002 South Korea 2,447 Japan 1,848 Australia 1,824 United States 1,815 Canada 1,778 Ireland 1,668 Sweden 1,625 France 1,545 Germany 1,444 Norway 1,342 Source: International Labor Organization, United Nations. Cited on CNNmoney web site. Reason 5 You can talk to almost anyone, anywhere, anytime. In 1800, news and information traveled at the speed of a rider on horseback or a sailing ship, which is to say, not very fast. By 1900, the telephone had increased the speed of information transfer, but fewer than 10 percent of U.S. households had a phone, and long distance calls were expensive, scratchy, hitor-miss propositions. Today, of course, we can exchange information in the time it takes to press enter on a keyboard or hit a speed-dial button on a cell phone. And unlike our ancestors, we re no longer limited to exchanging ideas with people who live nearby or accessing only the information in our local library. We can communicate instantly with those who share our interests, regardless of where they live, and we can do this conveniently and inexpensively. For the most part, faster communication is a tremendous improvement that has increased our capacity to access information for commercial and scientific purposes or simply for the purpose of entertaining ourselves. But there is a downside. Mobile phones and can sometimes serve as an electronic leash that keeps us constantly tethered to our work. Television and the Internet can isolate and alienate us from our physical surroundings and erode our sense of community. We may, observes Penn State professor Jorge Reina Schement, feel closer to a disembodied communicant on a chat line than we do to the grocery clerk, the gas station attendant, or the mail carrier. We also live in an age where information overload is a very real 12
6 possibility. We receive so much information that making even a simple consumer choice can be stressful. In The Paradox of Choice, psychologist Barry Schwartz tells of shopping for blue jeans and facing the daunting task of having to choose among 36 varieties. Ultimately, he left with a pair that fit him better than any he d ever worn, but the experience was thoroughly draining. And if you feel as if you are receiving more cues to buy, shop, and spend... well... you are. So, is choice a good thing? The answer seems to be yes, but.... Few of us would want a return to the days when choice was either extremely limited or nonexistent, but beyond a certain point the number of choices we face in everyday modern life can sometimes overwhelm us. Reason 6 Your work doesn t have to be your whole life unless you want it to be. Spare time and spare time activities are fairly modern concepts at least as they apply to the majority of people. The wealthy have always enjoyed the freedom to pursue interests that weren t related to earning a living, but until recently almost everyone else lacked the time, money, or energy to think about anything other than the basics: food, clothing, and shelter. Today that s no longer the case. It isn t unusual for an avocation or a leisure time activity to engage us more completely than our jobs do. We may earn our living as lawyers, nurses, accountants, systems analysts, and heavy U.S. COLLEGE GRADUATES Four-Year Colleges/Percent of Population Source: Statistical Abstract of the United States, and Statistical Abstract of the United States, U.S. HIGH SCHOOL GRADUATES Percent of Population Source: Statistical Abstract of the United States, and Statistical Abstract of the United States, equipment operators, but our true passion might be gardening, golfing, gourmet cooking, book group discussions, or any of a thousand other things. We can even waste every evening watching mindless TV if that s what we want to do. (And, yes, that s a value judgment.) Reason 7 Kids get to do homework instead of factory work. Economic historians Claudia Goldin and Kenneth Sokoloff estimate that in 1820, children under 15 years of age accounted for 23 percent of all manufacturing workers in the northeastern United States. In 1836, the Massachusetts legislature passed a law requiring at least three months of formal education for children working in factories, but enforcement was often spotty. More than a century would pass before the U.S. Congress would pass the Fair Labor Standards Act (1938), which established a national standard for regulating child labor. But well before that, communities were beginning to invest in public education. An article in The Wall Street Journal (September 3, 2003) noted that the number of public high schools in the United States went from 40 in 1860 to 6,005 in Courtesy of Library of Congress, Lewis W. Hine Collection 13
7 Children play in city streets circa Courtesy of Library of Congress. So, kids, the next time you re feeling bad about getting out of bed and dragging yourself to school, think about this: If you were a 14- year-old in 1900, chances are you would have been getting up even earlier to work in a factory, where you might well have spent the rest of your working life doing the same thing day after day after day.... Reason 8 Cleaner Streets, Cleaner Air, Cleaner Water Maybe there was a time when our air and water were cleaner, but that time wasn t In The Good Old Days They Were Terrible, Otto Bettmann cited this fact: In the 1890s, there were approximately three million horses in American cities, each producing 20 to 25 pounds of manure a day. Bonus Feature Here s a chance to sharpen your math skills. If 3 million horses each produce 20 pounds of manure, how many pounds is that in total? What s the total tonnage? (There are 2,000 pounds in a ton.) True, we now have our own problems with smog and polluted beaches, but we ve also passed laws and spent money to curb air pollution and clean up our rivers, lakes, and coastal waters. We ve banned some of the most dangerous pesticides and industrial chemicals, and we ve taken steps to protect wetlands and wildlife habitats. None of these measures would have been possible if we hadn t achieved a certain level of material prosperity through economic growth. And while you might be thinking that industrialization was responsible for polluting our environment in the first place, you might also want to consider that the pre-industrial world had its share of all natural death and disease cholera, dysentery, typhoid fever caused by contaminated drinking water, inadequate sewage treatment, and improper waste disposal. Reason 9 Opportunity: More Seats at the Table Not long ago, a commentator on one of the Sunday morning news shows advanced the notion that there ought to be a museum of the 1950s, and it ought to be a lot like his old neighborhood in a Maryland suburb of Washington, D.C. It was a sweet piece delivered by someone who obviously had a wonderful childhood in a lovely neighborhood where, among other things, none of the mothers worked, so they were able to look out for one another s children. H m m m. Sounds nice, but let s think this one through. A museum of the 1950s? Sure. There s no harm in a little nostalgia for 57 Chevies, carhops, sock hops, drivein movies, and Father Knows Best neighborhoods... as long as visitors walk out the museum doors knowing that lots of Americans never had an opportuni- 80% 70% 60% 50% Women's Earnings as a Percent of Men's Earnings Year-Round Full-time Employees 1930 = 56% 1997 = 74% 40% % 70% 60% 50% Source: The First Measured Century, Theodore Caplow, Louis Hicks, and Ben J. Wattenberg, AEI Press, Black Earnings as a Percent of White Earnings Year-Round Full-time Male Employees 1940 = 44% 1998 = 76% 40% Source: The First Measured Century, Theodore Caplow, Louis Hicks, and Ben J. Wattenberg, AEI Press,
8 ty to sit at the table and enjoy their slice of the 1950s good life. Gender bias The stay-at-home moms that kept the neighborhood together would have had few job options if they had decided they wanted to work outside the home. They also would have faced considerable pressure to stop being so selfish and think about how their desire for a career would affect their children s well-being. And if their daughters wanted to play a sport in school or grow up to be engineers, well, there would have been little doubt that the end of civilization was near at hand. Racial discrimination The 1950s were a time when racial segregation was still legal in many states, and, in practical terms, opportunities for people of color were sharply restricted in every state. To get an idea of how much things have changed, think about this: There were no black stars on prime-time TV until 1965, when Bill Cosby played Rhodes Scholar/world-class tennis player/secret agent Alexander Scott in I Spy. And that was a very big deal. Women and the Good Old Days Life is far from perfect for women in the early 21st century. There s still an earnings gap, and a glass ceiling still limits upward mobility in certain organizations. And at home, women still get stuck with more than their share of housework and child care responsibilities. But if anyone thinks that a return to the past would be an improvement, here are a few points to consider: In the 1890s, without running water, housewives had to haul 10,000 gallons a year into the kitchen, laundry, or bath. Source: Pursuing Happiness Stanley Lebergott In 1900, fewer than 5 percent of women worked outside the home. The rest spent an average of 58 hours a week on housework. Source: Microwave Oven Liberation Steven Landsburg Slate, 01/03/2001 [A] typical housewife s laundry day in 1900: First, our heroine ports water to the stove and heats it by burning wood or coal. Then she cleans the clothes by hand, rinses them, wrings them out (either by hand or with a mechanical wringer), then hangs them to dry and moves on to the oppressive task of ironing, using heavy flatirons that are heated continuously on the stove. By 1945 things had changed: About 60 percent of households had washing machines (though essentially none had dryers). How dramatically did that change affect women s lives? In 1945, government researchers undertook to find out. The researchers observed a farm wife named Mrs. Verett while she did a 38-pound load of laundry. Without electric appliances, Mrs. Verett spent 4 hours washing and 4 1/2 hours ironing, and she walked 6,303 feet along the way. After she got a washing machine and an electric iron, she spent 41 minutes washing and 1 3/4 hours ironing, walking only 665 feet along the way. Source: Microwave Oven Liberation Steven Landsburg Slate, 01/03/2001 American women didn t have full legal voting rights until Courtesy of the Boston Globe Newspaper Company, Inc. Until the mid 20th century, a woman often had difficulty obtaining credit in her own name. In the 1970s, many American newspapers still ran separate Help Wanted sections for men and women. 15
9 Religious discrimination In the 1950s, a number of country clubs, resort hotels, and even some housing developments were restricted, which was code for no Jewish members allowed. Discrimination based on national origin In the 1950s, we still had immigration quotas that heavily favored people from European countries. Africans, Asians, and Latin Americans had far less chance of being admitted to the United States as legal immigrants. Disability rights None of those pleasant, tree-shaded 1950s streets would have had curb cuts or any other provisions for people who depended on a wheelchair for mobility. Nor were there many (any?) legal safeguards to guarantee that persons with disabilities would have access to the same opportunities as everyone else. So, if you re feeling nostalgic for the 1950s, go out and rent a Doris Day movie or restore an old Chevy. That way you can enjoy the fantasy without experiencing the full reality. Reason 10 You have a safety net. Although Americans don t have the same level of cradle-to-grave security available in a number of European countries, our social safety net offers us far more protection than our ancestors had. Social Security There s been a lot of discussion recently as to whether or not Social Security needs saving. We re not weighing in on that one, thank you. We d just like to point out that in 1905, few Americans had the option of looking forward to retirement. For most, the retirement age was death or disability, and those who were unable to work had to rely completely on the kindness of family members or the benevolence of local politicians and philanthropists. And if you re feeling nostalgic for the days when family members took care of their own, here s a reminder that relying on the kindness of relatives has its downside: A Dog s Life Even if you re not 100 percent sure whether or not we re happier or better off today than we were 100 years ago, one thing is certain: America s pets have never had it so good. In an article for The Atlantic (December 2003), Sandra Tsing Loh wrote that 83 percent of American pet owners call themselves Mommy or Daddy when talking to their pets. That s up from 55 percent in And almost two-thirds celebrate their pets birthdays. And in a story that s music to dogs ears, National Public Radio s Scott Simon interviewed musician and producer Skip Haynes, who created a CD for dogs, Ask the Animals: Songs to Make Dogs Happy! According to Mr. Haynes, Squeaky-Deakey! is the favorite track of most dogs. Some of the other tracks include You re a Good Dog, Scratch My Back, and I Love Food. Digital Vision/Getty Images 16
10 Rich relations give you. Crust of bread and such. You can help yourself. But don t take too much Billie Holiday, Singer God Bless the Child Federal insurance on bank deposits The Federal Deposit Insurance Corporation has protected bank deposits since In all that time, no one has lost FDIC-insured funds. During the pre-fdic 1920s, American banks failed at an average rate of 600 per year. At the slightest hint or rumor that a bank might be in difficulty, depositors often panicked and rushed to withdraw their money and with good reason. If they weren t among the lucky few to get there fast enough to withdraw their funds, they risked losing everything, with little hope of ever recovering their loss. Crime and Punishment U.S Homicide Rate (per 100,00 of population) U.S. Incarceration Rate (State and federal per 100,000 of population) Money Facts 2003 Real median household income (U.S./all) $43,318 Real median household income (black) $30,000 Real median household income (non-hispanic white) $48,000 Real median household income (Asian) $55,500 Real median household income (Northeast/all) $46,742 Official poverty threshold (individual) $9,393 Official poverty threshold (family of four) $18,810 Poverty rate (U.S.) 12.5 percent Number of Americans below official poverty threshold 35.9 million Source: U.S. Census Bureau. Workplace safety regulations Government regulations don t always make sense, nor do they always produce the desired outcome. But the government regulations intended to protect workers health and safety have helped to make the workplace far less dangerous than it was. Auto safety regulations The National Highway Traffic Safety Administration estimates that government-mandated safety equipment in automobiles helps save more than 25,000 lives a year (reported in The Wall Street Journal, 1/19/05). True, these regulations have added to the cost of a car. But your life is worth it, right? Source: The First Measured Century, Theodore Caplow, Louis Hicks, and Ben J. Wattenberg, AEI Press, 2001 and U.S. Department of Justice. What Is It? Here are three clues: It dates back to early 19th century New England. It s made of iron. It s not a magazine rack. (The people that owned it probably wouldn t have had any magazines to put in it.) The answer is on page 23. Courtesy of Memorial Hall Museum, Deerfield, Massachusetts. 17
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How being single affects the individual and the society (9:30 to 10:15, 45 minutes) Bella DePaulo I m 60 years old and I have always been single. I always will be. I love being single. I have never dreamed
STEP-BY-STEP GUIDE Is It Time for In-Home Care? Helping Your Loved Ones Maintain Their Independence and Quality of Life 2015 CK Franchising, Inc. Welcome to the Comfort Keepers Guide to In-Home Care Introduction
COLD MARKET LEAD SCRIPTS COLD LEAD BUSINESS SCRIPT I use several different introductions when it comes to calling purchased leads or leads that I have generated on my own through different ads. You will
Being a Healthy Adult: How to Advocate for Your Health and Health Care Kathy Roberson, M.S.W. Being a Healthy Adult: How to Advocate for Your Health and Health Care Roberson, K. (2010). Being a healthy
p T w o T h a n k s g i v i n g D a y G e n t l e m e n THERE IS ONE DAY THAT IS OURS. THERE IS ONE day when all Americans go back to the old home and eat a big dinner. Bless the day. The President gives
IMPORTANT.. Question and Answer Guide For Water Damage Are you wondering what restorative drying is? If you can turn off the equipment at night? Or maybe wondering if you need to do anything? In this guide
1 Voices of SLA Miriam (Mimi) Drake () Interviewed by Gail Stahl () April 22, 2009 This interview is with Miriam (Mimi) Drake, past SLA president. My name is Gail Stahl; we are sitting in Mimi s living
Financial Freedom: Three Steps to Creating and Enjoying the Wealth You Deserve What does financial freedom mean to you? Does it mean freedom from having to work, yet still being able to enjoy life without
GLOSSARY cable TV cable television; television services that are delivered through long wires that are underground or high in the air * With cable TV you can see hundreds of channels from all around the
Income For Life Introduction If you are like most Americans, you ve worked hard your entire life to create a standard of living for yourself that you wish to maintain for years to come. You have probably
Training Series Part #2 Fundamentals of Life Insurance Copyright 2014 all rights reserved Life Insurance Marketing The world of marketing can be both an exciting and daunting experience. Earp Enterprises
The 13 American Colonies Name: http://www.socialstudiesforkids.com/articles/ushistory/13colonies3.htm Part 1: Coming to America The first colonies in North America were along the eastern coast. Settlers
1 Google Lead Generation For Attorneys Leverage The Power Of AdWords To Grow Your Law Business FAST You re about to discover the secrets of fast legal practice success with Google AdWords. Google AdWords
Thoughts on Retiring to the Land of Smiles By Hugh Leong Copyright 2010 by Hugh Leong The author disclaims any liability, loss, or risk, personal or otherwise, which is incurred as a consequence, directly
EXAMPLE PRESENTATION SCRIPT The following is an example script for the Are You Credit Wise? presentation. (Slide 1) Hi, my name is and I m a Junior studying. I m here today to talk about smart money management.
The following interview with Sean Logan, the College Counseling Director at Phillips Academy in the US, addresses many of the changing realities of thecollege application landscape in the past 10-15 years
Whereas I was Blind, Now I See John 9: 1-11; 25 We all know that great hymn well: Amazing grace, how sweet the sound, that saved a wretch like me; I once was lost, but now I m found; was blind, but now
Consumer Study Understanding Long-Term Care Buyers Mutual of Omaha Insurance Company United of Omaha Life Insurance Company HEARTS &MINDS M28080 For producer use only. Not for use with the general public.
Testimonials What people are saying about Alert Sentry Richard has had your system for over two years and your service saved his life on more than one occasion, which we remain grateful. Sincerely, John
Copyright (c) 2015 Christopher Small and The Art of Lawyering. All rights reserved. 1 In this special report, I ll be sharing with you the ten biggest mistakes that lawyers make when marketing their law
FAMILY PROTECTION MADE EASY A guide to life assurance INTRODUCTION Your Health is your Wealth - I genuinely believe that to be true. I work in the A&E Department of a large hospital and every day I see
101 Characteristics of Americans/American Culture To help you compare and contrast what you observe of American culture and your own, mark the similarities and differences between your culture and what
video Video Guide: Next Generation Videos Next Generation Videos...6 Before You Start...6 Showing the Segments...6 Question Keys and Discussion Points by Segment...6 Talking About Risk...6 Hattie: Life
2 A Present simple 1 B Present simple: questions C Communication strategies Showing interest D Interaction Are you a people person? Getting together Present simple 1 Word focus: Special occasions 1 Work
Your Complete Resource for Spa and Hotel Development What s A Massage Therapist Worth? By Skip Williams Did you see this article by Anitra Brown on Spas.About.com? After sending last weeks email I thought
The 10 Most Costly Mistakes You Can Make When Selling Your Home When you are getting ready to put your property on the market, there is a myriad of things to think about, to prepare for and to organize.
Pensions made simple Take control of your future MIND THE GAP PENSIONS MADE SIMPLE FROM AVIVA Contents Page 1 First things first 2 2 Why pensions are so important 4 3 How a pension plan works 8 4 The tax
The 1920s A BOOMing economy! Post-war economic boom During WW1 production increased, and unemployment decreased! And yet.. Americans could not buy normal items because Following the war rationing and government
Whiplash 1 Matthew 16:21-28 (NRSV) From that time on, Jesus began to show his disciples that he must go to Jerusalem and undergo great suffering at the hands of the elders and chief priests and scribes,
rd 3 5 July 11-12, 2015 Moses Exodus 2-4; Jeremiah 29:11 God has a plan for us. th Connect Time (20 minutes): Five minutes after the service begins, split kids into groups and begin their activity. Remember
Preface Alcoholism is a disease of many losses. For those of us who are the relatives and friends of alcoholics, these losses affect many aspects of our lives and remain with us over time, whether or not
Do I really need critical illness cover? A guide to protect against the financial impact of a critical illness What's inside 2 Cancer survival rates 5 Survival rates are improving 6 Coping with a critical
PUSD High Frequency Word List For Reading and Spelling Grades K-5 High Frequency or instant words are important because: 1. You can t read a sentence or a paragraph without knowing at least the most common.
MAGICAL BOOK SHELF Chapter 1 Daniel Brandon bounded up the steps to the library two at a time. Third grade was finally over. It was going to be a long, hot summer and reading some good, new books was just
TheTake Away Elm Plaza Pharmacy s drug disposal program helps the environment and attracts new business By Chris Linville A few years ago, when Steve Hiemenz decided to start a medication take back program
Look after your mental health It s important to take care of yourself and get the most from life. This booklet suggests 10 practical ways to look after your mental health. What is mental health? Hi, how
Lack of Transportation: Another hardship facing people living in poverty A report from Athens County Job and Family Services March 2012 Athens County Job and Family Services 184 N. Lancaster St. Athens,
Devotion NT264 CHILDREN S DEVOTIONS FOR THE WEEK OF: LESSON TITLE: The Great Commandment THEME: Love is the fulfillment of the Law. SCRIPTURE: Mark 12:28-34 Dear Parents Welcome to Bible Time for Kids.
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