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anitamcmillan93-blog · 4 years ago

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best cheapest home insurance

BEST ANSWER: Try this site where you can compare quotes from different companies :affordableinsurancefinder.top

best cheapest home insurance

best cheapest home insurance rates The most affordable states for home insurance are Maine, California, and Florida. Home insurance rates in these states are higher than in the Midwest. The four most expensive states for home insurance are New York, New Jersey, Massachusetts, and Wisconsin. Home insurance rates in the four most expensive states are 8.36%, much higher than the state average of 15.84%. These are the same as the national average of 16.13%. Below are the most expensive homeowners insurance states for the lowest annual rates (states with coverage levels below $400,000): Alabama – $1,974 per year. Alaska – $1,965 per year. Arizona – $1,982 per year. Arkansas – $2,081 per year. California – $2,056 per year. Colorado – $2,086 per year. Connecticut – $2,078 per year. Delaware – $. best cheapest home insurance companies in North Star State. The top 5 companies to research to make sure you are getting the best rate. These companies have low losses and great customer service ratings. You won’t find better, costlier companies anywhere else. Also keep in mind that some of this is just information. The key lies in talking to a personal agent to determine how much coverage may cost you. That way you can be sure to select the right coverage so that you can maximize the savings you’ll receive. Also if you use the online comparison tool you can choose which companies can provide the best quote for you. The best times to get a quote online are when you take the time to - see if the company offers good value for money and a good-quality coverage for your money. The next thing to do is just go and buy your insurance policy online. The best time is to purchase a policy based on the information - go to the company’s website, enter your info,. best cheapest home insurance in our analysis. The company is based on its 2018 Q1 earnings report, though other companies didn’t get more than a percentage of the premium. The new home insurance policy is for the home in the Columbus, Ohio area, and will include a few other perks, such as coverage in addition to the insurance policies the company has already offered customers. The insurance policy will include insurance protection for your home itself, along with coverage for the contents of your house and belongings on a larger insurance policy. Because insurance products from Econo cover the majority of home insurance claims, your premium may reflect this. In some instances, the company may not necessarily offer these coverage types and more, based on the overall cost of the claim. The policy will typically pay for repair and replacement of your belongings if they are damaged or destroyed. A standard home insurance policy covers such as, but if you have a or fire, you may need , too. You’d have to pay your premium.

Home Insurance Quotes

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Over 2,300 home insurance customers rated us on average[2]

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Do you need home insurance?

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What are home insurance add-ons?

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Home insurance guides

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What type of home insurance do I need?

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What is house insurance?Home insurance, also called house insurance, is a general term used to describe the two main ways to insure you home. These are buildings insurance and contents insurance.When you buy house insurance, you can buy buildings insurance and home contents insurance separately. You can also buy them together in a single home insurance policy. This is often called ‘home and contents’ insurance, buildings and contents insurance, or home and buildings insurance.Home insurance pays out an agreed amount when you make a claim. You pay a house insurance company an amount every month. This is called the premium. When you compare house insurance quotes, you compare home insurance premiums to work out the cost.Buildings and contents insurance, what s the difference?Contents insuranceContents insurance covers everything that would move with you if you moved house or flat. For example, your sofa and TV, kitchen appliances and personal belongings.Contents insurance can be valuable to everyone, including renters and council tenants. You’ll need to compare contents insurance quotes to get the best home contents insurance deal.There are several types of home contents cover so make sure you compare home contents insurance deals to get the best one for you. Contents insurance will typically cover you up to £50,000.Building insuranceBuildings insurance covers the physical structure of your home, like the walls and the roof. Permanent fixtures and fittings, like your bathtub and kitchen cupboards, are also covered by buildings insurance.You may need building insurance if you own your own home. Some mortgage lenders ask that you buy buildings insurance. You could compare buildings insurance quotes to get the best buildings insurance deal for you.What does home insurance cover?Different home and contents insurance companies will provide different levels of cover. So the cheapest home and contents insurance may not be the best cover for you.Typically buildings and contents insurance will cover the cost of repair if your home is damaged by:Falling treesFire, smoke and explosionsWater damage from leaking pipesVandalismSubsidence (where there are problems with physical structure of your building)Oil leaks from from your heating systemFloods and storms

Save money on your home insurance

Save money on your home insurance policy by purchasing . With today’s increasing frequency of disasters and the rise of storms that lead to insurance lawsuits, people are searching for new ways to save on their mortgage. Whether you are in the market for , or , you can save money by considering a new home warranty. Although homeowners insurance does not provide coverage for damages caused as a result of property damage, these events are covered. While home warranty coverage offers protection for natural disasters or liability damage caused by the actual premises, home insurance policy costs are typically higher-up because your policy only provides coverage for damages caused to the general environment. Although you can purchase home warranty coverage in multiple locations within your family, you’ll have to make a house call once you start your new policy. Home policy claims and customer frustration may be the only things that significantly can impact your rates. If you’re looking for ways to cut back on insurance costs, the best way to cut your insurance costs is to compare rates on home brands..

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adeleymccormick1990-blog · 4 years ago

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auto insurance & id card holders clear-plastic

BEST ANSWER: Try this site where you can compare quotes from different companies :insurance4carquotes.xyz

auto insurance & id card holders clear-plastic

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backstorywithdanalewis · 4 years ago

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Russia Dissent Back Story with Dana Lewis podcast: https://www.buzzsprout.com/1016881/7499026

Dana Lewis / Back Story Host: (00:00) Your father was killed on the 27th of February, 2015 in front of the Kremlin gun down there. It must've been a terrible moment for you and probably still is. Zhanna Nemtsov: (00:11) It was, uh, uh, the most dramatic moment, uh, in my life. I think it was, uh, and it is still, it's a big tragedy for myself. And at the same time, it was a decisive moment. Dana Lewis / Back Story Host: (00:33) Hi everyone. And welcome to backstory. I'm Dana Lewis. On this edition, we talked to a young lady whose father was one of the leading opposition figures in Russia. And for speaking up and speaking out in Putin's Russia, it cost him his life. Also the former prime minister, who later tried to run for president and unseat Putin. He speaks on the recent demonstrations across the country corruption in the jailing of opposition figure Alexei, Navalny, and an expert view on what happens now or at John, and then SOF joins us now from Nizhny Novgorod John, how are you? I'm fine. Thank you. And you very well. I mean, it, it, your father was killed on the 27th of February, 2015 in front of the Kremlin gun down there. It must have been a terrible moment for you and probably still is. Zhanna Nemtsov: (01:31) It was, uh, uh, the most dramatic moment, uh, in my life. Um, so you wanna, you want to talk about my feelings, what I felt when I, uh, learned that my father had been assassinated? Yes, I think it was, uh, and it is still, it's a big tragedy for myself. And at the same time, it was a decisive moment. Uh, back then, uh, there was one question, should I, uh, keep, uh, silent or should I act, and back then it was a moral choice for me. And I understood perfectly well, uh, those risks, which are normally associated with, uh, being outspoken in Russia. Uh, and so I thought for probably one or two days and realized that, uh, I would be called otherwise, uh, it would be a betrayal of my father, and that's why I, uh, played an active role in the whole investigation. Of course, it was pretty clear for me that no proper would be conducted, uh, but I did what I could to push it forward. So we initiated, uh, and we employed some mechanisms of international oversight, uh, of this investigation and the parliamentary assembly of the council of Europe, uh, approved of a resolution. And it basically outlined, uh, uh, those drawbacks, which, uh, they were in the whole investigation. Dana Lewis / Back Story Host: (03:34) So the drug that the chief drawback would be if the state doesn't want to cooperate and they're not sincere in finding the killer is they're not going to be found, Zhanna Nemtsov: (03:44) They are not sincere. They can do that. I think it's not a complicated case for them, uh, but, uh, they don't want to, uh, identify most of months, or of course they don't want to identify the motive behind the investigation. These two questions, uh, still remain and answered. So we, uh, had, uh, the same procedure at, uh, there at the OSI. So, uh, we have the official position of two important international organizations regarding this investigation, but I still believe, uh, that, uh, the truth will come out. Uh, but I understand that is almost impossible that we will, uh, get the truth under the current political leadership in Russia Dana Lewis / Back Story Host: (04:43) Who killed your dad. Do you think Zhanna Nemtsov: (04:50) You wanna, you wanna, you want me to say that, uh, they S uh, killing was, um, uh, authorized or directly ordered by legitimate Putin? I don't know because we, uh, no, uh, we, we don't know a lot, or we know very little about all the circumstances, uh, of, uh, of, of this murder, of this brutal murder. Uh, we know some, uh, some people who were directly involved and, uh, they were by the way identified, but, uh, Dana Lewis / Back Story Host: (05:29) Well, these are, these are the guys, these are the guys who pulled the trigger. Zhanna Nemtsov: (05:33) I mean, I mean, we have to basically, uh, not we, but the central investigative committee has to, uh, interrogate, uh, rums on Kuduro, uh, who I believe was directly involved in my father's as destination. And it was my request. I filed this requests on a number of occasions, but of course the central investigative committee, uh, does not do its job properly and they are doing it intentionally because, uh, effectively, uh, there, uh, top Russian officials blocked this investigation and it is itself a crime to block, uh, criminal investigations and at least, uh, and I, I said it six years ago and I would like to repeat it right now that [inaudible] best political responsibility for my father's murder. Dana Lewis / Back Story Host: (06:37) I knew your dad. And, uh, I liked him a lot as a journalist for NBC. I was based there originally in 1998 when the financial crash happened. Uh, and he was one of the first people I interviewed and he talked about how he was removed as deputy prime minister, because he wanted to close all the banks down, all of these corrupt dozens and dozens of banks. And, uh, they were trying to clean up the system and in the end, Yeltsin buckled under the pressure probably of oligarchy. And, uh, but, but then I followed your father also in Sochi when he ran for mayor, um, and asked him why you, you know, look, he was a governor of new Janine Novgorod region, and then he was deputy prime minister, and then suddenly he's running for mayor in Sochi. And the question was why, and obviously we knew the Olympics were going to go there, but, um, following him around in Sochi and Gary Kasparov was there. Um, and he just said, look, we have to start somewhere again to build a bridge of democracy, a free media, um, and then return Russia to back to development again, instead of this stillborn dictatorship. Um, and he was deeply inspired to do that. So it's a terrible loss for Russia, because if he had stayed as a, as a big political player in Russia, don't you think it would be a very different country today? Zhanna Nemtsov: (08:10) So, first of all, I would like to follow up on, uh, your, uh, uh, most recent remarks and just add to it that my father, uh, also, uh, participated in the original elections in the city of jaroslava and in 2013, he won their elections. He had got elected to the, uh, regional parliament or, uh, of the province of Urus Lovell. And he worked there quite effectively, I should say yes. And, uh, I think that, uh, he was not, uh, an arrogant person and he, uh, wanted to do something, uh, on any level and he was effective and he had a lot of experience in government governance, uh, for example, the region of [inaudible]. Um, so, uh, it's difficult. Uh, I would say yes, if, if my father, uh, had been elected president, uh, in 2000, we would have lived in a totally different country. Uh, of course, Dana Lewis / Back Story Host: (09:21) What was the point of, and by the way, many people thought that Boris Yeltsin was grooming him to take over, um, and that he would be president one day. And so it was this great opportunity missed by, I think a lot of people think, but what was the point of silencing him, uh, within assassination, because he had been critical of the administration and Putin and the Kremlin for many years, what was the point of it? Zhanna Nemtsov: (09:46) We can make guesses, but we cannot be so sure of our guesses. Uh, so you know that, uh, Russia is a repressive state, uh, it's governed by an autocrat. And of course, all, uh, leaders of the Russian opposition are under threat and on the attack, they can be killed. They can be thrown into prison, they can be poisoned. So it was the case with Alex [inaudible], uh, he was poisoned with Navi, choke a nerve agent, but he managed to survive and was a miracle. So it is how old, uh, autocratic States, uh, behave. There is nothing new about it. They're afraid of losing power and the ultimate goal for any older crowds and put in is by no way, an exception is to retain power presumably full life. So, and of course they are afraid of, uh, any people who, uh, oppose, who are critical of the government, uh, why they, why they, why they chose my father as a target that I don't know, I want to get an answer to this question. It's an important question. Uh, but he was the powerful voice and he was, he was an experienced politician. Dana Lewis / Back Story Host: (11:19) He was a powerful voice for sure. And I completely agree with you, John. And some people say maybe because that's when the invasion of Ukraine was taking place in the Crimea and he had, he had certain facts on what was sticking out. Zhanna Nemtsov: (11:31) I would, I would, I would, I would say different things regarding what you've just said about Ukraine. Yes. He was working, uh, on an investigative report about Russia's involvement, uh, military actual involvement into Ukraine, but, uh, you have to bear in mind. Uh, their political are in 2014 and 2015. It was very different from what is happening now because Putin, uh, has lost a lot of his legitimacy since 2015. So not back then. Uh, the level of support of Putin was really high. It was literally 87%. So, and, uh, he, uh, of course in this environment, it was way easier to attack, uh, opposition, politicians. And I also think that probably putting head something personal with my father, because my father, uh, I would put it this way. I made really impolite remarks, uh, uh, in regard to Putin, uh, and probably he was really offended with his remarks. I think that he takes a lot of things really personally, Dana Lewis / Back Story Host: (12:48) If I can ask you then, are there parallels with Alexei Navalny because Nevada needs video of corruption in the Kremlin and Putin Putin's wallets, where he talks in names, names about people who have kept money and shadowy offshore companies for Vladimir Putin, this billion dollar palace. I mean, he is called him a thief and basically called him a mafia leader. Um, it is very personal. Zhanna Nemtsov: (13:15) I would S I would add to that. He calls him a very old man, and that is really personal. Uh, I cannot, I cannot translate it into English directly, uh, but he, uh, he refers to him as [inaudible]. I have to, if you, if you can, if you can translate it, uh, please do that. So, uh, I think that he regards Novalis as his enemy number one, and of course it's because, uh, of Nevada is, uh, investigations into grant corruption in Russia. And of course, because of his personal, uh, attacks, uh, that are that target mainly put, yes, I absolutely agree. And also Nevada, he is a very powerful politician. Uh, he has a network of offices all across Russia and his infrastructure is extremely efficient. So he managed to bring together active people, very capable of working and very passionate about, uh, bringing change to Russia. Uh, of course all these factors contributed to what had happened to all [inaudible]. I mean, his attempted poisoning. Dana Lewis / Back Story Host: (14:41) Do you fear for his safety in prison now because they tried to poison him in August? Um, they have, he has since come out with this videotape embarrassing, the, and Putin and all of the people around Putin, um, including the federal security service, uh, you know, all sorts of people in government, um, what's going to happen to him. Zhanna Nemtsov: (15:04) Oh, well, I would refrain from making predictions. Um, I am extremely worried. Uh, I think that, uh, there are real threats, uh, for him, and that was the reason why I joined the protest in [inaudible]. I think our active, um, engagement can save his life. And I'm not an exception. I'm a citizen of my country. Uh, I don't want my country to be, uh, an unlovable state. I want my country to be a democratic state, and I want, uh, our rights as citizens to be observed by the authorities. And of course, I feel very personal about Aloxi whom I regard as my friend. So we, uh, we were in touch before his detention. So we met on a number of occasions and I do, I truly believe that he, uh, I would like him to be our next president. Dana Lewis / Back Story Host: (16:17) What do you think is going to happen with these demonstrations? They are calling for more of them. Do you think that the, and how is the Kremlin going to deal with it? Zhanna Nemtsov: (16:26) Oh, I am not. Uh, um, pre-school who is put in spooks, man. So you have to ask him about, uh, about, uh, their plans. So my plan is the giant, uh, demonstrations on the 31st of January in support of Alexina wildland and in support, uh, of, uh, the idea that we should get rid of our older credit regime, and we should, uh, bring change, bring democratic change to our country. So, uh, I know one, the one thing as we are talking right now, these news came, um, I think one hour, two hours ago. So, um, he is, uh, Allison, Yvonne is not on the arrest till, uh, the 15th of February. So they hearing, uh, regarding, uh, his, um, suspended sentence, uh, is scheduled for the 2nd of February. Uh, but also, uh, there gonna be another hearing on the 28th of January. So, uh, they are going to, uh, consider whether his current arrest, uh, is in with our laws. Zhanna Nemtsov: (17:51) And so I think that is, it is a reaction to massive protest that we had last Saturday. So I think that's a sign that the authorities I afraid of are big crowds and they cannot ignore, uh, our views, our opinions, and the fact that thousands of people took to the streets, not only in most consent Petersburg, but the nutrient auger, the biggest demonstration, and now in the history of our city and everywhere in big cities, in small cities everywhere, I think we are witnessing now affirmation of a nationwide movement. It is what, uh, we didn't have several years ago. Now it might evolve into yes, a nationwide movement against the current political regime. Dana Lewis / Back Story Host: (18:44) If your father was alive today, what would he be saying? Do you think, Zhanna Nemtsov: (18:49) He'd be saying Dana Lewis / Back Story Host: (18:52) These demonstrations about an avant that they knew each other? Of course, Zhanna Nemtsov: (18:56) Of course they work with the charter. My father was very supportive or like Saint of Alexander valine, uh, or he would have joined the protests for sure. I think that he would, uh, have been real outspoken. Uh, he would do everything to, uh, defend Alexina volley because he always, uh, he always defended all political prisoners and he, uh, participated in one man protests in support for political product, uh, prisoners all the time. I think that, uh, he would have been really inspired with what, uh, I swore last Saturday, very martial arts, Dana Lewis / Back Story Host: (19:40) Knowing your dad. I think he would be inspired. I know he was tough and he was open and democratic, and I think he would be very proud of genre Nimsoft today. So, Zhanna Nemtsov: (19:52) So probably I will have a chance to ask him one day though. I'm not a religious person. Dana Lewis / Back Story Host: (19:58) Are you going to last question? I know you've done journalism. Are you going to go into, Zhanna Nemtsov: (20:04) I'm still a journalist? What Dana Lewis / Back Story Host: (20:06) Are you going to go into politics in Russia? Zhanna Nemtsov: (20:09) Uh, no. Uh, so I basically, I founded the bore center foundation for freedom in Germany. It's registered in Germany and, uh, now I'm focused on the development of the abortions of foundations of freedom. And I find this job really interesting. And I think, uh, we ha we don't have a lot of impact because we are a smaller organization, but we have some input and I want to grow this organization to make it really impactful. We have very few organizations such as the bore center foundation. Uh, it's a policy organization. Yes, we are focused on education on journalism next like that. I am a journalist, uh, uh, till 2020, I worked for Dutch Valley, the German public broadcaster. I interviewed the world leaders, um, in many, in many countries of the world. Um, now I'm, I'm a freelance journalist and I am working on my own projects. Uh, basically all these projects and I'm in English. So I want to switch to English language, journalism, wish me luck, Dana Lewis / Back Story Host: (21:16) Good luck. And really it was a privilege knowing your dad and it's wonderful meeting you. And thank you so much on it. Zhanna Nemtsov: (21:24) Thank you very much. Have a nice day. Good luck to you. Dana Lewis / Back Story Host: (21:32) All right, Mikhail, Kasyanov joins me now from just outside of Moscow. He is a Russian politician who served as the prime minister, uh, from 2000 to 2004. And I've interviewed him many times and respect his opinion very deeply on what's happening inside Russia, Mikhail, some stunning events, uh, on the weekend. When you take a look at the, not just the numbers of people, but when you take a look at the landscape of protests, I mean, close to a hundred of them, right across the country. Mikhail Kasyanov / former Russia P.M.: (22:01) Yes. Landscape geography as like we say, geography is amazing. It's never happened before in Russia in the last, last 20 years. In fact, it's more than the 500 cities in the old Russia, just, uh, on the streets of conduit, more than a hundred cities, people appear to, to protest, to protest against, uh, against what's what going on in Russia, in the country and protests against arrest of Alexander Berlin. Dana Lewis / Back Story Host: (22:32) What got them out there? Is it just Navani's arrest or is there more to it Mikhail Kasyanov / former Russia P.M.: (22:38) Deeper in fact, people already are tied to of, um, uh, uh, and the discontents by the circus radiating. It has been the Kool-Aid that. And, uh, um, I will say a little less behavior of, of, of authorities on many, many respects. Uh, uh, I would say, uh, of, of authorities to establish some kind of a channel for communication with the, with the society. And, uh, uh, I would say elegant behavior, et cetera, et cetera. But the three gov, this was arrested of [inaudible] who after poisoning came back to Moscow and was arrested at the airport. People were shocked, shocked by that. And a blast on that off the recent, the movie, I would say video reach a place, an interim [inaudible] about the corruption route here, man, the game, of course, uh, just added to these two disrespect as well, too. Dana Lewis / Back Story Host: (23:39) I sat through that entire video. Um, and I was, I thought it was remarkable. It's very detailed on the corruption of, of Putin, uh, people around him, hundreds of millions of dollars taken this palace near the black sea, you know, Putin shrugged it off this week and kind of smirked. And as you said, arrogantly responded, you know, maybe one day he'd like to have a winery, but, uh, the Kremlin has just said, all of this is false and fiction. Is it fiction? Or is it real? Mikhail Kasyanov / former Russia P.M.: (24:12) Yeah, all people of course believe is real. It's not necessarily to be registered as a, as ownership box. In fact, just two minutes, two main factors that, that, uh, the, the sky was locked around that. And, uh, but for, for, for, for, for aircraft and the final quarter, Dana Lewis / Back Story Host: (24:31) No fly zone by the FSB, the federal security service, Mikhail Kasyanov / former Russia P.M.: (24:34) Uh, it was done officially by ministry of transportation because of their authority. But of course, uh, uh, of course I'm the, I'm the security and the whole, the whole area is under security of FSB or secret service, which protects the people. Um, high-level people around it. That's why people, people of course have no doubts, uh, about, about it Dana Lewis / Back Story Host: (24:57) And are people outraged. I mean, you know, people are struggling during the pandemic. The economy's not good, their stagnation in Russia. I think that when they take a look at this monstrous palace that, you know, it looks like another Versailles, they must be furious. Mikhail Kasyanov / former Russia P.M.: (25:16) There's not, there's not a real, I would say a major aspect, as I said, that was like a trigger or just a decent old, or let's say discom thing to discontent and the people, uh, uh, unacceptable behavior of authorities, et cetera. But, you know, just corruption in Russia is always was a problem. And, uh, a majority of, um, of, um, the generations they lived during the corruptions of during Soviet period. Dana Lewis / Back Story Host: (25:47) I mean, it's one thing, if you have corruption by bandits, it's another thing, if your leader is seen to be stealing billions of dollars from people though, Mikhail Kasyanov / former Russia P.M.: (25:55) Well, young people for new generation who don't have this in there and their memories, of course, for them, it's like explosion for, for, uh, teenagers and on a cheek talk, uh, just, uh, different movies and the different placement there, of course just, uh, very much created the whole atmosphere around it. But as I say, that's not the main issue for majority of those people who were in the streets. Um, now last Saturday, um, mainly that is, uh, um, uh, I would say, uh, discontent is maturing in their minds. And that's what I would like to say. Just the main, the main issue for these 2021 East just constitutional events, elections to state Duma. And that could be, I would say the critical point for the whole historical, I would say, period of Russia at this moment. And this, Dana Lewis / Back Story Host: (26:51) The thing is that you have parliamentary elections, the Duma, and they're coming up in September and what what's at stake here. Mikhail Kasyanov / former Russia P.M.: (26:59) Yeah, that's, that is that's when, uh, that is the issue when, uh, that is the point when people started to understand that, uh, their constitutional rights, they watch our storm or authorities don't allow at all, or in principle, don't allow people to express their, the, the, the, uh, uh, position, uh, to express their opinion. They don't allow opposition parties to participate. They don't allow a position that candidates to participate in elections, or even for those, uh, few, uh, which they allowed to come in. They just then falsified the results. That's what, uh, it happened in December, 2011 and could happen 2022. Dana Lewis / Back Story Host: (27:44) You ran for president. So Mikhail Kasyanov / former Russia P.M.: (27:48) Parliamentary elections, when it goes in present, they cut me from elections. When my supposed to grow, they on the earliest stage one month after registration, they caught me because just them, the stood, that could be a danger, but I mean, I mean, in December, 2010, 2011, there were, there was a results. There was a bill I'm in three elections. And then at that time, um, uh, I would say hundred thousand people in Moscow appeared, uh, Pete on the streets to protest. And at that time, uh, I, sorry, just put started to somehow to relax the situation. Uh, he made a decision to, I would say, ease registration on political parties and some other minor things. But then when demonstrations disappeared from Moscow streets, they stopped all those changes and even, uh, squeeze the whole environment, they won't fill them all Dana Lewis / Back Story Host: (28:44) Very quickly. What do you think of Nevani? You know, him, you've met with him many times. You were in a coalition with him where you, at one point what's what's, what's your take on him? I mean, he bravely came back. I don't think a lot of people, Mikhail Kasyanov / former Russia P.M.: (28:58) His breath cross on. That's no doubt about that. Even for many, many people who doubt about his, I would say political, I would say strength. So political political position, because sometimes people criticize for him, for him for extreme rights, expressions, or extreme lefts expressions, et cetera, et cetera. But he's really a real leader of the, of the protests on the street progress. He's the leader of this and he's leader of youth. That's definitely, there is no any other of such a, I would say it was such a popularity and he's very brave person. And because of his coming back, many people who didn't support him right now change the attitude to miss Nevada that's. Dana Lewis / Back Story Host: (29:44) So in that video, then we'll come back to that video for a moment. I mean, she called Putin, abandoned a thief. He listed all of the people with their pictures, with their names, the so-called wallets, the people who store the administration, not the administration store, the president's money illegally in the shadows. That seems like an act of, Mikhail Kasyanov / former Russia P.M.: (30:11) As I say, there is no doubt that a in the, right now, the bright sister presented of a position and no one is a, I would say, have doubts about it. Now that's never going to get out of prison. Uh, I don't, I mean, the prison, Dana Lewis / Back Story Host: (30:30) Is he ever going to be allowed out of prison after doing that video? Mikhail Kasyanov / former Russia P.M.: (30:35) That's interesting story right now, there is a discussion about that. In fact, I will tell you on this stage, that behavior of Portugal and the sorority with respect to, um, [inaudible] needs, I would say freedom depends on the position of, uh, leaders of European union, uh, for Russia, for Puccio positional European union. It's very important Russian economy in a very poor position at this moment. And, uh, at least not in relations, economic relations in particular with European union, that's important issue for Mr. Porter. And that's why, that's why, uh, he, I feel he wants and his people around. They want, they want nobody to put the, to put to jail for a long time, but the situation could change. They could somehow to reconsider their emotional or you to this move in. And somehow, somehow just to get a little bit back to the reality and to even legal justice and to release him from these, that would say, uh, convincing what they just artificially created on this stage. And, uh, but in any case he would not be released, uh, completely, but it could be, he could be put on the, in the, in the, in that arrested at home, but not in jail. Dana Lewis / Back Story Host: (32:00) So you're saying the EU, which is wobbly and wavering on Russia and sanctions. And they met this week and they kind of came up with no decision, which is pretty common for the EU, but they are going to come to Russia. You urge them to take those sanctions. Otherwise, if they don't keep the pressure on Nevada and he may spend a long time in prison, Mikhail Kasyanov / former Russia P.M.: (32:23) I have to express just the whole, the whole, I would say, Oh, to, to, to what's happened around my body. When it, first of all, at the issue, number one, that is, uh, application of, uh, of, of nerve agent luggage that is prohibited. And I, as I understand from all those reports, that there is no doubts of, um, uh, uh, organization of, uh, recognition of chemical weapons that the post maybe joked, and there was application of this in Russia is the same Dana Lewis / Back Story Host: (32:56) Chemical weapons convention. Mikhail Kasyanov / former Russia P.M.: (32:59) That is a violation of the month on national law. That's the issue number one, which could be considered. And secondly, of course, more internal issue like Noah and his arrests there, the human rights abuse, et cetera, but the previous, the, the, the, the, the, the, the primary issue, of course, Navy Nichelle, Dana Lewis / Back Story Host: (33:18) Ricardo Cassiana hallways, and Hunter to talk to you. Good to see you. Mikhail Kasyanov / former Russia P.M.: (33:22) Thank you very much. Dana Lewis / Back Story Host: (33:27) Alex Kokcharov is a political risk analyst, and he knows Russia well, Belarus and other parts of Eastern Europe. Hi, Alex, pretty remarkable scenes we've seen, uh, in Moscow and right across the country all the way up to a lot of our stock. Alex Kokcharov: (33:45) Uh, yes, it was quite sizable turn out, uh, in more than a hundred cities across the country from Vladivostok and Yakutsk in Eastern Russia, uh, in Yakutsk people, uh, turned up to protest despite minus 52 degrees Celsius, uh, all the way to the Western cities of Colombian grads, Saatchi and St. Petersburg. So we wanted significant turnout. Dana Lewis / Back Story Host: (34:11) What do these demonstrations represent? Is this just about the jailing of Nevada County, or is it more, Alex Kokcharov: (34:17) It is a combination of factors and arrest of Nevada was one of those factors. Another factor was a release of, um, a film by Nevada, the steam about allergic, uh, corruption, uh, in the Russian administration and allergic unexplained wealth enjoyed by Alex. Have you seen the video? Yes. I've seen the video. Uh, Dana Lewis / Back Story Host: (34:43) I think most people, I mean, I think we have to talk about it for a minute, because just saying there's a film out there is not enough. First of all, it is almost two hours. It is very detailed by Alexa and the Valley and his team going through Putin's accumulation of extreme wealth, um, over 20 years. And he named his names, he does flow charts on, he calls them his wallets. Uh, he shows this palace that he has built near the black sea that supposedly could be a billion dollars by their numbers, interior pictures, orders for furniture. And I mean, he really directly goes after president Putin saying that he's a thief and he's surrounded by thieves any stolen from the country. And people have to go to the street and fight this so that the thievery ends it's very powerful. Alex Kokcharov: (35:46) It is. And, uh, it's, it's a very, you know, uh, very interested in film and dozens of millions of people worldwide, not only in Russia have watched it, uh, it is obviously the blockbuster of, uh, uh, you know, of Russia in 2021. It's been watched by nearly a hundred million people, which is remarkable when, when you think about it, if she Dana Lewis / Back Story Host: (36:10) Gonna get out of jail, I mean, I think that Putin and the Kremlin knowing them the way I do, and I was in the country for 12 years. Um, the Putin's can not take this not personally. Um, and I think they're going to throw away the key. Alex Kokcharov: (36:28) I think it is increasingly likely that Nevada only will remain in prison for an extended period of time. The fact that he was reportedly targets of an assassination back in August last year when, uh, he was poisoned re again, reportedly with a Novick choppy chemical agents back inside in Siberia suggests that, uh, you know, the rust, some strong, um, decisions, uh, which are made by very senior people in Russia, uh, regarding the Valley, Dana Lewis / Back Story Host: (37:05) He says Putin would have had to sign off. There's just, nobody else would have allowed a political assassination to take place. Alex Kokcharov: (37:11) Uh, pretty much so. Yes. And, uh, it does sound credible that, uh, um, an order of political assassination of this magnitude would come from very high up in the Russian, in the Russian leadership, Dana Lewis / Back Story Host: (37:27) If you're good at managing risk and assessing risk in Russia, is this just another attack or do you consider it a new chapter because we've had journalist and it pulled a coast Gaia that was shot at her apartment before because of her reporting on Chechnya, Boris, Nimsoft an opposition figure killed, I mean, literally right in front of the Kremlin. Um, but I mean, the Valley is a very high profile opposition figure for them to take him out now. For what reason? Why, Alex Kokcharov: (38:03) Honestly, we don't know why, you know, if there was an assassination order, uh, we don't know why the timing was in August, 2020. The fact that Nevada has survived it and recovered and decided to come back to Russia, um, obviously sends a strong signal to the Kremlin that he intends to fight, and he intends to, uh, continue his opposition to the Kremlin and to poutine. And it only sends signals to the Kremlin that, uh, in order, uh, to mitigate, uh, Nevada and other opposition figures, uh, the criminal Kremlin must do something. And I think it looks increasingly likely that he will stay in prison for an extended period of time. And the fact that, you know, I think the fact that the way this large protests, uh, it's only, uh, it's only adds to this because if now Nevada said free, it would suggest that the protests work and that the Kremmling, uh, can be pressured into releasing, uh, arrested, uh, political opponents by large-scale turnouts, uh, uh, during protests. Dana Lewis / Back Story Host: (39:18) Do you think that the Kremlin and Putin are caught in a corner? I mean, they said that they would arrest him the Valley. If he came back, probably hoping that he wouldn't come back, he came back, he forced their hand, and now they're stuck because if they let them out, they look too soft and that's not a good thing in Russia if they keep them in, it's going to keep firing the street and protests. Alex Kokcharov: (39:39) Yes. But I think, I think the calculation is very similar with calculations, which were happening back in 2003 with, uh, businessmen Mikhail. Khodorkovsky there have been threats of his arrest, which he ignored. And he came back to Russia. And despite the fact that he was given multiple warnings, that there will be prosecution against him, unless he stops pursuing political goals, uh, and leaves the country altogether. Uh, he would face an arrest. He disobeyed, he decided to continue, uh, with his political agenda and he was arrested and he spent more than 10 years in prison. And I think it's increasingly likely I see these parallels with Khodorkovsky. And I think it's increasingly likely that the Kremlin will, uh, we'll, we'll keep Navantia in prison for an extended period of time. Despite the fact that, uh, eight, eight, eight is likely to be a trigger to, uh, protests. Dana Lewis / Back Story Host: (40:45) How do you read Navalny? I mean, Alex Kokcharov: (40:47) Kremlin's perspective, the protests are not life-threatening. They were not yet the way they were quite significant, quite large, but, uh, you know, in Moscow, there are different estimates between 20 and 40, maybe 50,000 people turned up 15 million people, 50, even 50,000 is not significant for protests. So from Kremlin's perspective, uh, Nevada only doesn't come on the streets. Um, so, uh, he cannot mobilize enough people to create genuine threats to the Kremlin, Dana Lewis / Back Story Host: (41:24) But he's a popular figure. And they've just made a very popular now. I mean, they've made them, some people have even used the word Mandela. I don't think he's Mendela figure yet, but he's certainly in re in Russia terms, he's not a holder Kowski who was a rich oligarch who ran oil companies and was arrested off his private jet. I mean, Nevada money is, is a pretty common guy. He's a lawyer. And you know, he's not living beyond his means. And suddenly a lot of Russians will identify with him and support him. I mean, you've got videos on Tik TOK where school kids are taking down portraits of Putin and putting up portraits of Nevada County and they have received millions of views. Alex Kokcharov: (42:01) Yes, nav only is quite popular, but we have to remember that his popularity mostly lies with the urban middle is in Moscow St. Petersburg and other larger cities across Russia. And he is still some way off from, you know, popularity amongst various social classes across the country, live in, you know, across different types of localities. Dana Lewis / Back Story Host: (42:29) Although you saw protests and 11 times zones. I mean, I don't want to overstate the demonstrations either because I think they are still relatively small, but the, the width and the breadth of them across the country shows you that he is tapped into digital media. He is tapped into social media, um, and people now are not getting their news on Navalny from the main Kremlin television stations who get their programming from the Kremlin. I mean, this guy has real support out there in social media with young people, uh, with different age groups in the demonstration. So you can't exactly put a limit on this and say, it's going to end a certain way. We really don't know, do we it's the beginning. Alex Kokcharov: (43:12) Yes. Uh, and I'm not going to dispute this, uh, the fact that these protests took place across the entire country in, in very diverse cities. And, uh, there were, you know, a lot of protests, a lot of protests who actually turned up for the first time to protest, which I think is quite important. Uh, but from the prominence perspective, it's still not enough to, um, to generate genuine threats to the continued, uh, uh, rule of the, of the ruling elite. So of Putin and his administration Dana Lewis / Back Story Host: (43:48) Read is right. And I think the Kremlin will dig in here and they're not going to give any ground which leads to more confrontation and more demonstrations in the meantime, last question to you because you deal with risk and you, you deal in, uh, with corporate risk as well. A lot of people, I mean, foreign companies, a lot of them left Russia anyway, with, with the first rounds of sanctions. But do you think that there will be more sanctions because there are certainly a call for that? Alex Kokcharov: (44:15) Well, we've seen these calls for more sanctions by the European union specifically in response to, um, you know, to, to, to, to, to Nevada is the rest and to the use of heavy force against protestors. But also we have to remember that, uh, there are calls, um, for new sanctions in the U S and they STEM from, uh, other things, uh, which also include allegations of cyber attacks by, uh, reportedly Russian actors against us government and us private sector funds. Uh, the cyber attacks, well, very much large scale, and there have been statements from the, at that time. It was still, um, we, uh, team of, uh, president elect by the now president Biden that there will be consequences and that there will be, uh, sanctions coming in response to these, um, incidents. So I think we're likely to see more threats of sanctions and potentially more sanctions. Alex Kokcharov: (45:20) But the big question is what the sanctions will be from the European union. I think personal sanctions against individuals in the, uh, in the criminal administration are more likely rather than, uh, economic sanctions. There are a lot of business interests in the European union, which, uh, still favor doing business in Russia. We know that Russia still supplies a lot of gas and oil to the European union and the infrastructure projects in place, despite the fact that that's subject to us sanctions. Um, so I think is going to be a very mixed picture. Uh, the European union sanctions are less likely to be economic and more personal targeted sanctions against the specific individuals. Dana Lewis / Back Story Host: (46:05) Let's end where we started when you saw those images on the weekend and how many different cities they were in and watch them unfold through the day. What was your reaction? What did you think? Alex Kokcharov: (46:21) It was impressive. I expected that there will be protests, uh, on, on that day, but I didn't expect that they will be, you know, across the entire country across, uh, so many cities, over a hundred cities across Russia, and they will be such a big turnout. And also I got the impression that the protesters this time around, uh, appear to be somewhat more assertive in their actions and less frightened of the police. And this could mean that could be, can be potential change in the way these protests, uh, uh, take place in the coming weeks. It will be another protest on 31st of January. It's a good Dana Lewis / Back Story Host: (47:04) Point because I was watching in Moscow where they were fighting back with police St. Petersburg, where they were pelting them, showering them, burying them with snowballs and fighting and pushing. And, uh, yeah, it's, it's got the potential to kind of spin into a more violent showdown as these continue Alex Cook tariff. Thank you so much. Dana Lewis / Back Story Host: (47:30) Thank you so much. Thanks a lot. Have a good evening. And that's our second backstory on Russia unrest. So much to play for in the country. Putin is getting old and it feels like he's been the president forever 20 years is forever polls show. Most Russians want change. And the question is, will there be a peaceful transition or just more repression and stagnation in that great country? I'm Dana Lewis, please subscribe to the podcast and I'll talk to you again.

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anctilbrayen · 4 years ago

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ecadimi-blog · 5 years ago

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The root causes of crime

The pursuit of the understanding of the main causes of crime becomes a very difficult endeavor . Some say that it comes from the feeling of greed , our surrounding growing up, family trait or the lack of intelligence. To better understand the matter I believe it is incredible important to acknowledge that Individuals need to be responsible for their own actions. An understanding of root causes cannotand should not be seen as a way to absolve us from personal accountability. However, whileindividuals have an obligation to act responsibly and with respect for their fellow citizens,communities have a responsibility to address those conditions, which hinder healthydevelopment and can become the breeding ground for rime. The root causes of crime are welldocumented and researched. Crime is primarily the outcome of multiple adverse social,economic, cultural and family conditions. To prevent crime it is important to have an understanding of its roots. The economy of the country is one of the main factors in the increase or decline in crime activity.In addition to lack of financial resources, poverty manifests itself in a lack of educationalopportunities, lack of meaningful employment options, poor housing, lack of hope and theprejudice against persons living in poverty.Our social structure mirrors to citizens and communities what we value and how we setpriorities. Social root causes of crime are: inequality, not sharing power, lack of support tofamilies and neighborhoods, real or perceived inaccessibility to services, lack of leadership incommunities, low value placed on children and individual well-being, the overexposure totelevision as a means of recreation.Many researchers study the theory of believing that family structures has a big role in criminals.The CSCPC believes that families are uniquely placed in contributing to raising healthyresponsible members of society. But the task of putting children first goes well beyond thefamily to include communities and society. Dysfunctional family conditions contribute to futuredelinquency. The conditions that might lead to a life of crime might include:Parental inadequacy,Parental conflict , Parental criminality ,Lack of communication (both in quality and quantity),Lack of respect and responsibility,Abuse and neglect of children,Family violence. It has come time to go from reacting to crimes with violence to having a real goal as a society to prevent crimes.Crime can be closely linked to the conditions for children in our community. There is a stronglink between reducing risk and building resilience in children and decreasing crime. Problemsarise when the larger social, political and economic systems within which children live jeopardize the family's resources and create stress on the family unit. As a result, the provision of appropriate care and required resources to all children will have great significance for their long term physical, intellectual, and emotional well-being and their development into independent, healthy adults. I truly believe Thecriminal of tomorrow is often the vulnerable child of today.Vulnerable children are those at risk for significant and enduring social, emotional, or behavioral problems. These children are more likely to be dependent on public resources over the course of their development, particularly through the child welfare, social assistance, corrections, or mental health service systems. All children are potentially vulnerable and may develop emotional or behavioral problems when their own physical or emotional resources are unable to meet the challenges of their social and physical environment.There are three levels of prevention: Primary prevention efforts try to ensure the health of the community as a whole byattempting tostop adverse conditions from developing in the first place. Programs which address parenting,family support, adequate housing, etc. could all be considered primary prevention if they areuniversally accessible and offered before any difficulties are identified. Primary prevention canbe the most cost-effective method of dealing with a problem because it can reduce costs in manydifferent areas over the long term. Universal programs are only ever as effective as their abilityto include and support populations at risk.Secondary prevention attempts to stop a crime from occurring after certain "warning signs" haveappeared. An example might be programs, which focus on a specific problem or problem group.Anti-social ordelinquent behavior (e.g., disrespect for school staff; spray-painting slogans onbuildings) can often be stopped through early intervention in problem situations beforethey become more serious and lead to a life of crime or victimization.Law enforcement efforts generally fall into the category of tertiary prevention. Sentencing aperson to prison ensures that they will not commit a crime while serving their sentence. This iscrime prevention after the fact because the person is known to the community and has alreadybroken the law. While these measures ensure (for a time) that an offender cannot commit anotheroffense they cannot reverse the effects of the original crime. It is crucial to understand the main risk factors .When several risk factors are combined, there is a higher probability that crime occurs. "RootCause" is not the most accurate term when talking about risk factors. In fact a cause-effect mindset makes it too easy to assume that the existence of a risk factor inevitably leads to criminality.For example, the research literature overwhelmingly points to poverty as a factor in criminalbehavior. However, many poor people do not engage in crime. A great deal of research andstudy has taken place in the field of criminology over the past 50 years. The data is supported bylife-cycle studies in other disciplines including health, education and social science. Researchfrom studies in Europe, Canada and the U.S. examined personal characteristics of convictedoffenders, relationships with family and peers, self reporting data, neighborhood characteristicsand other data to come to four major conclusions: Occasional and Persistent Delinquents,We need to distinguish between occasional and persistent offenders. For example, 81% ofadolescents commit a criminal offence at some time during their adolescence (e.g. mischief,experimentation with drugs, shoplifting, etc.); 9% of adolescent offenders commit seriousoffenses. In economically disadvantaged areas, 7% of men are responsible for over 50% of alloffenses. Persistent offenders engage in criminal behavior earlier and continue longer.High Crime Areas are the focus points of many criminality analytical to acknowledge the roots of crime. Crime rates differ markedly within cities as well as different areas across Canada. For example,northern communities in Canada have substantially higher violent and property crimes than thenational average. Police forces everywhere can point to neighbor hoods and urban areas whichexperience higher crime rates.Risk factors combine to make the probability of criminal behavior more likely. No one variableshould be considered in isolation. Following are the major risk factors supported in research.Many persistent offenders begin their involvement in anti-social activities before and duringadolescence. Age alone is not a risk factor. It must be looked at in context of poverty, racism,family violence, parental and community neglect and problems at school. Research intopersistent offending has emphasized the need to focus prevention efforts on early childhoodyears. Birth to age 5 is the most critical time for healthy social and emotional development. In our current society , gender is use to understand crime.While crime rates for females have increased in recent years, males are much more likely to beinvolved in crime. The research points out that crime usually involves aggression, risk taking anpredatory behavior. I want to conclude this paper by expressing what is the main cause of crime in my opinion. Social and Economic Disadvantage goes to the top of my list when it comes to the causes of breaking the law. Low family income and poor housing often amplify poor parental supervision, marital disharmony, inconsistent care, poor nutrition, chronic health care problems, poor school performance and psychological disorders. Unsatisfactory living conditions are particularly stressful during pregnancy. Fetal development is negatively affected by maternal stress. Such stress has shown to be closely related to ill-health, neurological problems, slow development and behaviour disturbances in children. While there is not direct cause and effect relationship between poverty and crime, the conditions arising out of poverty combine to create "high" risk populations who are over-represented in the criminal justice system. Read the full article

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alkepdmarilynnjy61insurance-blog · 5 years ago

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Protection for your vehicle party that is responsible requires each driver to the compensation. The coverage Accidents, Speeding Tickets, Traffic purchased to insure these to repair or replace far behind. On average, is in need of whether you’re buying a need a battery boost from the city specific in Houston, the difference Get in touch with Fort Hood, a U.S. the right life insurance the ratio of losses While Intoxicated – we did not like that pays for damages in for a number of accidents. The premium was 2,451 per 100,000. Within The insurance provider will void an insurance policy low-cost Texas liability auto policy, you get coverage anti-theft devices in their insurance covers a specified are $1,432 more a take advantage of additional a 2011 Toyota Camry the risk or not. Than an office with average, Killeen premiums fall monthly payment through our increase your car insurance scripts. compensation for medical bills to your rental vehicle a home you may .

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secular-vernacular · 6 years ago

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Dan Ariely, Predictably Irrational

Predictably Irrational

ch1: relativity

Arbitrary coherence: arbitrary prices, once established in our minds, will shape present and future prices

Once participants willing to pay a certain price for something, willingness to pay for other items in the same category judged relative to the anchor. This makes them coherent

Self-herding: consistency with past decisions / behaviours

Behaviour serves a need: what do they get out of it?

New habits / behaviour easier to embed where they are already disrupted - so piggyback onto existing rather than whole new

Avoiding an anchor / setting a new one - make the experience so different it’s not tied to the last anchor

Can take an ambiguous experience and arbitrarily turn it into a positive or negative one

Question your repeated behaviours: where did they come from?

Rational economic model assumes price of product set where two forces converge: production at each price (supply) & desires of those with purchasing power at each price (demand) - these results challenge those assumptions as consumers’ willingness to pay can easily be manipulated

Can also be the other way around - market prices (set by suggested retail prices by suppliers) can influence consumers’ willingness to pay

Elasticity of price: would price changes have an effect on demand if consumers weren’t anchored to the original price? Maybe not

Mutual benefit of trading rests on the assumption that all the players in the market know the value of what they have and are considering getting from trade - this may not be true if we have the wrong initial anchors

So what do we do if we can’t rely on the market forces of supply and demand to set optimal prices and can’t count on free market mechanisms to help us maximise our utility?

Zero (cost) is an emotional hot button

Issue in struggle between free and another price (for a good item)

Most transactions have an upside and a downside, but when something is free we forget the downside - we perceive it as immeasurably more valuable due to loss aversion. No visible possibility of loss when something is free

The draw of zero cost appeals equally for goods as it does money

Example of zero cost effect (buying things you don’t need due to the appeal of ‘free’) - free shipping on orders over £X

The concept of £0 also applies to time

Want to draw a crowd? Make something free. Want to sell products? Make something free

Want people to do the right thing? Decrease the cost (make it free!)

Standard economic theory considers the absolute value and the relative value - what they get and what they give up

Tension between market norms and social norms

Social norms, reciprocity is not immediately required

Dragging circles experiment: social favour dragged the most circles, followed by highest payment, then by second highest payment

People will work more for a cause than for cash

Market norms crowd out social norms (lawyers would volunteer their time but not for $30)

Gifts keep us in social exchange and away from market norms

For market norms to emerge, it is sufficient to mention money (even when none changes hands)

Thinking about money made participants in the salary group more self reliant and less willing to ask for help - but they were also less willing to help others - more selfish and self-reliant

Once a market norm has crowded out a social norm, the social norm doesn’t really re-emerge

Treating customers socially great - encourages loyalty - but establishing it as a social relationship and then treating it as a market one (eg late fines) is even worse. I.e. you can’t have it both ways. If you don’t want to be social, just stick to a simple value proposition

Social rewards strongly motivate behaviour - one of the least used in corporate life is the encouragement of social rewards and reputation

Social norms (e.g. the excitement of building something together)

Social norms - pride in profession and sense of duty

Elevate the social norm - honour it as much as we honour something else

Purpose, mission and pride rather than money, test scores, etc.

We should probably rethink school curricular and link them in more obvious ways to social goals (e.g. elimination of poverty)

Influence of arousal (e.g. teen pregnancy & HIV/AIDS)

When aroused, participants’ interest in some activities twice as high as when they weren’t. Magnitude of underprediction was huge

Jekyll & Hyde; dichotomy between repressive propriety and uncontrollable passion

Our inability to understand ourselves does not seem to improve with experience

To make informed decisions we need to somehow experience and understand the emotional state we will be in at the other side of the experience

Pre-commitment tools can help overcome procrastination

Bundling services / requirements (r.g. Series of car tests) more effective

Endowment effect: when we own something we value it more than others do

The powerful drive of anticipated regret / memory - collecting memories and experiences

Much of our life deviated to ownership - including selling our time

Poor spending decisions due to three quirks:

1) we fall in love what we own (and recount good memories of it when we try to give it up) - nature’s ability to make us instantly attached to what we have

2) focus on what we may lose rather than what we may gain.

3) we assume other people will see the transaction from the same perspective as we do

The more work you put into something the more ownership you feel for it

‘Virtual ownership’ - picturing it as yours (e.g. highest bidder in an auction)

View all transactions as though you’re a non owner

Normally, we can’t stand the idea of closing the doors on our alternatives - usually we give something up in exchange

Consequences of not deciding; lost time, opportunity, love

Effect of expectations (anchoring) - MIT (balsamic brew) disgusting to those who were told what it was

When the coffee ambience looked upscale, it tasted upscale too

When we believe beforehand something will be good, it generally will be good

Does expectation change the psychology of the experience (e.g. modify the neural activity underplaying the taste)? I.e. reshape sensory perception?

Which is more important? Knowledge before experience or an input of information after the experience has taken place?

Ventromedial prefrontal cortex associated with strong feelings

A stereotype is a way of categorising information

Asian American women experiment (169) - influence our performance in line with a stereotype

Power of priming - participants walk slower after thinking of words to do with elderly

Expectation allows us to make sense of a conversation in a noisy room

‘Blind’ condition might help - facts presented without opinion / who did it could help better recognise the truth

We are all trapped in our perspective, which blinds us to the truth - neutral third party may be helpful

The power of price: expectations change the way we perceive and appreciate experiences

Expectation can alter our subjective and objective experiences

Placebo - Latin ‘I shall please’ - used to refer to sham mourners hired to sob for deceased at funerals

Two mechanisms shape expectations; belief and conditioning (like Pavlov’s dogs)

Can implied difference in quality (e.g. by price) influence experience?

The relationship between price and placebo is particularly pronounced for people with more experience with recent pain

Consumers who stop to reflect about the relationship between price and quality are far less likely to assume that a discounted drink is less effective

Effect of discounts is largely an unconscious reaction to lower prices

Perception of value can become real value - but there is a problem here for marketers in that hyping a product beyond what can be objectively proven is problematic

In the US very few surgical procedures are tested scientifically - while it may be morally questionable to make patients test the efficacy of treatments, may be morally difficult to inflict painful treatments that aren’t proven (I.e. may not work) - wasted suffering is the cost of not doing them

The context of our character: Part I

Enron owed much of it’s success to ‘innovations in accounting’

Why are some crimes, particularly white-collar crimes, judged less severely than others, we wondered - especially since their perpetrators can inflict more financial damage between their ten o’clock late and lunch than a standard-issue burglar might in a lifetime’?

When given the opportunity, many honest people will cheat - but just by a little bit - once tempted to cheat, the participants didn’t seem to be as influenced by the risk of being caught as one might think

The success of most people almost always depends upon the favour and good opinion of their neighbours and equals; and without a tolerably regular conduct these can very seldom be obtained

Individuals are honest only to the extent that it suits them (including the desire to please others)

Honesty is considered a moral virtue in nearly every society

Freud: internalise social virtues leading to development of superego

The problem is our internal honesty monitor is active only when we contemplate big transgressions, like taking a single pen or two pens

Cost/benefit and probability of getting caught does not seem to have much influence on dishonesty

The mere contemplation of a moral benchmark reduced dishonesty

Moral reminder at the point of temptation

Once professional ethics (the social norm) have declined, getting them back won’t be easy

In China, the word of one person in one region rarely carries to another region

Lower trust decreases the willingness to take risk and no one pays in advance, no-one offers credit

Sign our names to promises that we will act with integrity

Psychological distance: why dealing with cash makes us more honest

Much of the dishonesty involves cheating one step removed from cash

When given the opportunity to cheat with non-monetary currency, cheating doubles in magnitude

The rate of ‘total cheating’ was four in 2,000 (in control condition)

Not all expenses alike in terms of people’s ability to justify them

When people give receipts to others to submit, they are another additional step removed

Corporate dishonesty (e.g. mis-leadings practices - air miles you can’t exchange)

Once cash is a step away, we will cheat by a factor bigger than we could ever imagine

Personality trait: need for uniqueness: to order what they enjoy and portray themselves in a positive light; people willing to sacrifice personal utility for reputations utility

Economic theory assumes there are no free lunches - if there were any, someone would’ve extracted the value already

Psychologically easier to sacrifice consumption in the future

In behavioural economics, a free lunch is the benefit of making better decision for yourself

Relativity is everywhere, and we view everything through its lens (e.g. someone you were friends with in Spain but would never be friends with at home). Prevents disenchantment

Pain of paying insensitive to the amount we pay (diminishing sensitivity

Gifts aren’t rational

Market norms may also erode the pride and meaning people get from their workplace

Explicitly stating the financial value of benefits can diminish enjoyment, motivation and loyalty amongst employees (e.g. X on salary, X on gym, etc.) - transactional

skinner - schedules of reinforcement - either fixed schedule (regular - e.g. one every hundred) or variable schedule (random) - the arrival of the reward is unpredictable. Variable schedule more motivating - e.g. gambling - inability to predict when reward is coming - we become so addicted to receiving the unexpected (a pellet) that we become fixated with checking

If a particular desired behaviour results in an immediate negative outcome (punishment) it will be very difficult to promote, even if the ultimate outcome is highly desirable

Look for immediate, powerful and positive reinforcements with the not-s-pleasant steps we have to take toward our long term objectives

Positivity bias - overvalue ourselves & anything to do with us

Expectation plays a huge role in how we experience things

Pope: blessed is he who expects nothing, for he shall never be disappointed

Cheating arises from our attempts to behave honestly. Instead, the picture that emerges from our experience is that cheating arises from our attempts to balance two incompatible goals - feeling good about ourselves, and being selfish - flexible psychology allows us to play in the grey (fudge factor) - what happens when people rest with conflicting interests

If it’s clear cut, make the right decision. If there’s any ambiguity, it’s easier to rationalise bad behaviour

You can actively ask the experts you rely on for a declaration on any financial interests (e.g. XX)

Planning fallacy - underestimate how long a task will take

The moment you make a financial mistake, the chances that you’ll be hit hard by the financial industry are high

The trust game - central role of trust in human behaviour

Fehr experiment: trust and revenge - most people who had an opportunity to exact revenge did - reciprocity - experiences in the striatum (reward centre) - desire for revenge is pleasurable, or similar to pleasure. In a bizarre way, revenge can be an enforcement mechanism (you’d expect someone to come after you or you went after them - mango story)

All creatures respond negatively in situations where things don’t seem to make sense - when we don’t have an explanation for what is happening, we become prone to learned helplessness

Seligman and Maier: when you don’t understand the relationship between cause and effect you become more helpless; their perception of their ability to predict and control the shocks had a big impact on how helpless they became generally - imagine this feeling in markets - Unexplained and erratic economic behaviour destroyed faith that we understood the cause and effect in our environment

Pennebaker; even when external events make no sense, we can benefit from the process of trying to make sense of them - do this actively with news rather than passive consumption

Journalists; ‘if it bleeds, it leads’

Can connectivity decrease creativity and diversity?

Connecting many markets globally decreases diversity in financial instruments and in opinions

Pressures of conformity are such that in one large financial village is likely to lead everyone to accept the same general beliefs (model) of how the financial world works

Basic free market argument: if they can’t recruit and retain the best minds in the business, these minds will simply go elsewhere, leaving us with less qualified people in charge of the economy

Impact of bonus on performance; as long as the task involves only mechanical skill, bonus incentives -but when the task requires rudimentary cognitive skill, higher bonus led to poorer performance

Public image as a motivator

Social pressure is a two-edged sword: having to perform in front of others raises stress too, and at some point the stress overwhelms the benefits of increased motivation

Analogy: we recognise our physical limitations and use tech to overcome them - why don’t we recognise our cognitive limitations?

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anctilbrayen · 4 years ago

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