NinaNerdFace

Frolicking in the autumn leaves, this little lion cub is having the time of her life as she excitedly plays in her enclosure.

Tiny cub Karis proved she’s not too dissimilar to human children as she threw herself into the pile of golden leaves carefully collected by her keepers, even ending up with a pile on her head.

Staff at the Blair Drummond Safari Park, near Stirling, Scotland, had been raking up the leaves to keep the attraction tidy, when Karis’s keeper Brian Reid realised that his little charge might enjoy playing in them and moved the pile into her enclosure.

Many of you probably know nothing about the practice of a company taking out a life insurance policy on you, whereby if you die, the company pockets hundreds of thousands of dollars, if not millions. Consider how immoral this sort of wager is: As an example, if I took out an insurance policy on the potential burning of your house, I then have a vested interest in your house burning down. Literally, in such a scenario, I would directly profit from your misery. This is what capitalism looks like:  

Have you heard the term dead peasant life insurance? It refers to a life insurance policy an employer holds on an employee.

The employer is listed as the beneficiary and collects a death benefit if the employee dies.

Plan Was Intended for Key Employees Only

The practice began with companies insuring key employees, those whose loss would severely impact company operation.

The insurance was to help compensate the companies for the loss of the employees’ highly valued services. Later, some companies decided that employee life insurance was a sound investment in general, and they began to take out policies on low- and middle-level employees. At times, the employees would not be informed. Interest would accrue on the policies, and the proceeds were non-taxable. Also, the cash value of the policies could serve as loan collateral.

Winn-Dixie Secretly Insured 36,000 Employees

According to the Wall Street Journal, the termdead peasant life insuranceoriginated from a Winn-Dixie lawsuit. The company had secretly purchased life insurance on approximately 36,000 employees without their permission. The insurance broker’s memos included the termdead peasantin reference to the policies. The name has endured. The wordpeasanttends to add to the indignity of the practice.

Dead Peasant Life Insurance Can Be an Invitation to Murder

Admittedly a small risk, an unscrupulous employer could murder the employee to collect the term life insurance. A story from 10TV.com tells of an employer in Reynoldsburg, Ohio, that faces charges of conspiracy to commit the murder of a former employee to collect on a life insurance policy. The employer is accused of attempting to hire a killer for $50,000. The policy would have paid about $500,000. Regardless of whether the employer is convicted, this case illustrates the risk involved with employer-held insurance policies.

Bank Collects $4 Million on Ex-Employee

According to ABC News, a Houston widow, Irma Johnson, lost her husband to brain cancer. She accidentally received a huge life insurance check in the mail. After checking, she found that her husband’s former employer, Amegy Bank, had purchased the large life insurance policy on him. Shortly after the purchase, the employee was fired, depriving him of his health insurance.

Houston Press.comquotes Johnson’s lawyer as saying, “Amegy purchased two dead peasant insurance policies in 2001, totaling more than $4 million, after Johnson had already undergone two brain surgeries and was undergoing chemotherapy.” The bank collected the $4 million after the man was fired. It had continued to pay the insurance premiums and was legally entitled to collect the death benefit.

CLEAN EATING CHOCOLATE BROWNIES

INGREDIENTS

1/2 cup Oatmeal

3 tbsp Coconut Oil (preferably Organic)

1/2 cup Stevia

1/3 cup Plain, Nonfat Greek Yogurt

1 tsp Vanilla Extract

1/4 cup Unsweetened Baking Cocoa

1/4 cup Chocolate protein powder (preferably casein)

1 Egg and 1 White

1/3 cup Dark Chocolate Chips or Nuts (optional)

DIRECTIONS

Green Smoothie - 1 cup baby spinach, 1 cup kale, 1 pear, 1 ½ cup of orange juice, and 1 frozen banana.

Chocolate Peanut Butter – 2 TBL unsweetened cocoa powder, 2 TBL peanut butter, ½ banana, 1 cup almond milk, ice.

Mango Ginger — 2 cups frozen Mango, 1 cup frozen raspberries, 1 banana, ¼ cup chopped ginger, squeeze of lime, yogurt.