Word: extras
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...Edison's reforms have stuck. Blakney was enthusiastic about the company's innovations last fall, but her use of the chants and cheers waned over the months, and by midyear the extra hours she was spending out of the classroom for training seemed excessive. "I'd rather be with my kids," she says. But Edison's mandated monthly testing of her students has become Blakney's favorite new instructional tool, because it allows her to efficiently track her class's learning. Whipping out her laptop, she shows a visitor the scores her students have achieved and how they stack...
...retirement-protection disability insurance instead of fully funding your IRA or 401(k). If you have already maxed out your retirement contributions and have purchased an individual disability policy to supplement the coverage that you may get through your job, then you should consider getting this extra protection, says financial planner James Knaus of LaBrecque, Jackson, Price & Roehl of Troy, Mich. Count on paying about 2% to 3% of your gross income for an individual disability policy with retirement protection, Knaus says. Costs will vary according to factors that affect any disability plan: your age, your health, the length...
...your name. Identity-theft insurance covers the expenditures you would incur to re-establish your identity, from small charges (paying for a notary, having documents sent overnight) to bigger ones (lost wages while dealing with the paperwork). Chubb Group includes all these expenses, up to $25,000, at no extra charge through its homeowner's or renter's insurance. For $59 to $180 a year, Travelers offers identity-theft insurance as a stand-alone policy, covering $5,000 to $30,000 in expenses. Visa USA will cover up to $15,000 as an optional benefit. Advises Jay Foley...
...Breaking that siege is almost impossible in the face of endemic and systemic corruption. A few sordid examples: in certain colleges, teachers demand payoffs from students wanting to pass exams; some cops earn extra money by selling their bullets; and gangs, operating under the auspices of crooked bureaucrats, police and army-ranger elements, siphon off water before it reaches the taps of most Karachi apartment buildings and sell it in the city from tanker trucks, according to municipal workers. An industrialist who says he refused to bribe health inspectors saw his tiremaking plant shut down when they invoked a little...
...undoing. On March 22 he was removed as CPLC chief. "The rumor was I worked for the CIA," says Yusuf. "That's a laugh. The Americans won't even let me have a visa after all the help I gave them." Because of terrorist threats, Yusuf travels with an extra car of bodyguards and lives in an ultra-secure penthouse as he struggles to win back his old job. He has enough money to leave Karachi, but he likes the place. "Any other city with 14 million people and so many bad governments would have collapsed long ago," he laughs...