2012-06-15

What to Look for in a Cosmetic Dentsist

cosmetic What to Look for in a Cosmetic Dentsist
cosmetic What to Look for in a Cosmetic Dentsist
cosmetic What to Look for in a Cosmetic Dentsist

One of the main pitfalls of cosmetic dentistry is choosing the wrong cosmetic dentist. As with plastic surgery and other cosmetic procedures, a successful result is largely dependent on the professional and in this case cosmetic dentist that you choose.

Most cosmetic dentistry is extremely visual with poor results being immediately apparent to everyone you see. If you want to feel good in the knowledge that you look good then you need to make sure you are careful when selecting a cosmetic dentist to perform your cosmetic procedure.

As with most things it's easy to get ahead of yourself once you have decided to undergo a cosmetic procedure and just choose a dentist as quickly as possible without giving quality of work any consideration. Most people believe that a dentist is a dentist and that all dentists can perform cosmetic dentistry procedures to the same standard.

The truth is that mainstream family dentists are not trained in the field of cosmetic dentistry and not all cosmetic dentists are able to adequately perform every cosmetic procedure. A dentist who is good at dental implants or dental bridges may not be so experienced in dental bonding for example and a cosmetic dentist that specialises in teeth whitening might be good with whitening products and dental veneers but not so experienced in dental braces.

A good starting point is to get a recommendation for a cosmetic dentist from someone who has already had some cosmetic dentistry work done or, if you are friendly with your family dentist they may be able to point you in the direction of a cosmetic dentist who specialises in the cosmetic procedure that you are interested in having done.

If you can't get a good recommendation and you have to resort to yellow pages to find a cosmetic dentist in your area don't be afraid to check out a few.

Prices are something that you need to know but shouldn't be the only basis for making your final decision as to which cosmetic dentist you choose.

Go for an initial consultation with more than one cosmetic dentist to get a good feel for the surroundings and what experience the dentist has. Discuss what you want to have done and listen to what the cosmetic dentist has to say and then compare the response with future and/or previous consultations.

Don't be afraid to ask to see before and after photos of previous clients smile makeovers (clarify that the pictures you are shown are the dentists own work) and make sure that any cosmetic dentist you choose has the relevant experience in the area of cosmetic dentistry that you require.

If you want a recommendation a good cosmetic dentist shouldn't have a problem with arranging for you to speak to previous clients that have had similar treatment to what is being proposed for you.

At the end of the day cosmetic dentistry is an art. The work that a cosmetic dentist performs is one of the very first things that is seen by everyone you meet. If you want cosmetic dental work then the likelihood is that you care about how you look so take your time, do some ground work and only entrust your cosmetic dentistry procedure to the best cosmetic dentist you can find.


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2012-06-13

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Stock Holder Chapter 3

The Reverend William Telfer MacArthur wasn't really a minister. On his Pennsylvania farm he watched his threshing machine burn and decided, then and there, that he'd been called by the Almighty. Ordaining himself a minister, he abandoned the farm and went from community to community, state to state, to preach the evils of the world and the glories of the hereafter.
The Reverend William Telfer MacArthur was a fire-and-brimstone preacher, a Bible-spouting, prayer-murmuring evangelist who saw wickedness everywhere. He believed the Gay Nineties were a presage of doom, and he strove with might and main to save souls. Except for the Bible, all books were instruments of Satan. Tobacco and Demon Rum were abominations. Dancing was the last straw of decadence which would break society's back.
The Reverend MacArthur never had a parish. He saw himself as a brave and lonely crusader carrying the Word wherever evil existed. He journeyed to the farming towns of Pennsylvania and Massachu-setts, the urban centers of New York, the growing metropolis of Chicago. He was a one-man road show, a tall, gaunt, black-maned autocrat with a booming voice. Street corners and matrons' parlors, city parks and country schoolhouses, soap boxes and hastily constructed wooden platforms, his own home or a disciple's, these were his churches. Victorian-raised old ladies and reformed male reprobates were his congregations.
William Telfer MacArthur was a first-generation American. He was born in New York City, the sec-ond and last child of parents who were four days off a boat from Aberdeen, Scotland, and who were on their way to live with relatives in Saskatchewan, Canada. William Telfer MacArthur was the product of a background that taught sin and guilt and evil and damnation. His father was a self-ordained minister, as was his grandfather. So it was natural that he embrace the life of the traveling evangelist, for his parents had warned that not only must he keep himself pure in God's eyes, but that he had a duty to show others the way. After the threshing machine burned he set out with missionary zeal to save souls, undaunted by the pressing needs of a wife and six children.
Georgiana Welstead was one of twenty-two chil-dren of an English officer who had served in the East India Army. She was a soft-spoken, gentle woman, attractive and witty, sensitive. She loved to read, though her husband frowned on everything except the Bible, and sing, though only religious hymns were permitted, and laugh, though she was berated for being frivolous when "the times call for sober reflection on God's vengeance." Georgiana Welstead MacArthur had a remarkable sense of humor and a ready smile for the many hardships her unbending husband called on her to endure in His name.
William Telfer MacArthur never earned an in-come after that fateful day his threshing machine burned. The contributions he received from his disciples were handed over to the poor. Georgiana even had to beg to let the family keep donations of food. "Think not of unimportant earthly problems such as how to get along and make ends meet," the Reverend MacArthur often counseled his followers. "I never think of such unimportant things."
And indeed he didn't. "The Lord will provide," he said, but it was Georgiana who did the providing. The six children seldom had adequate food, clothing or shelter. Home was wherever William MacArthur could find an audience and was always temporary because he felt compelled to spread God's Word far and wide. Georgiana hunted, made clothes, gardened, accepted handouts. But the family was always hungry. Mainly because where they lived was where the Reverend MacArthur's disciples lived, because what they had the disciples shared. Often Georgiana had to stretch a cabbage to cover twenty plates, water a quart of lemonade to fill twenty glasses, rearrange a small house to accommodate twenty bodies. There were always abundant hosannas—but little food and less room.
Once, Georgiana, driven to desperation by her children's lack of nourishment and the family's wretched living quarters, defied her husband and refused to feed the freeloaders. Her plan was to starve them into more gainful pursuits. The Reverend MacArthur fumed and raged, screamed and threatened. Then he saw that his disciples were still praying, despite their lack of food, and he was overcome with joy. "It's a miracle," he proclaimed proudly. "A miracle brought about by my good work."
Such was hardly the case, as Georgiana discovered when she found large caches of food secreted under the disciples' beds—food they had not seen fit to share with the near-starving MacArthur children.
William Telfer MacArthur had a curious way of interpreting God's will when it came to raising children. He considered himself an earthly stand-in for his heavenly master, a divinely appointed enforcer of the Almighty's commands. When he wasn't off to street corners and meeting halls, he was thundering at his offspring from morning till night. Often he would line them up, dance about mystically, chant "Repent," and "Forgive them, Lord," and "Where have I failed?" Then he would uncover their backs and flail them black and blue with a leather strap. He soaked the strap in vinegar to imprint God's will more effectively.
Georgiana would protest, but she was no match for her stern husband. Bellowing that he was sole monarch of his own brood, quoting the Bible to prove his sovereignty in family matters, and accusing his wife of a dozen sordid schemes to undermine him, the righteous divine subdued any opposition Georgiana could summon the strength to furnish.
"My children's wickedness has come from you," he would thunder. Occasionally he would turn the strap on Georgiana to demonstrate the futility of dissent.
William Telfer MacArthur also had bizarre ideas about the causes of illness. He considered sickness a punishment inflicted by God on those who incurred His displeasure. MacArthur reveled in his robust health, cited it as proof of personal virtue.
His son Charles, at age seven, developed a boil on the neck, which rapidly grew into an ugly, festering sore. Georgiana started to take the boy to a doctor, but was intercepted by her husband.
"My son has been afflicted for his sins," was the Reverend MacArthur's diagnosis. "I shall gather our people to pray for him."
"He needs medicine, father," Georgiana pleaded. "Only prayer can cleanse the poison from this sinner's body."
"Please. He's very sick."
"I won't be contravened by you."
"Please. . . ."
Each night for a week the young sinner found himself and his mushrooming neck on a platform under naphtha flares while the faithful prayed for him to be forgiven. Finally the hot flames caused the abscess to burst, and pus poured from the boy's body. The Reverend MacArthur was beside himself with glee. He ordered a celebration. Late into the night the disciples praised God's mercy. All his life Charles carried a scar on his neck.
The Reverend MacArthur believed he had a private hot line to the abode of the Deity. When Georgi-ana asked him to shovel snow, or stoke a fire, or repair a leaky roof, he would reply solemnly : "I don't think the Lord wants me to do that."
One of MacArthur's most effective sermons railed against the shamefulness of drink. Yet he could excuse his own not infrequent tippling with : "Even the Savior enjoyed an occasional glass of wine."
Georgiana bore seven children. One of them-Roderick—was killed in a freakish shotgun accident, his head half blown off by his brother Alfred, who had thought the gun unloaded. As Georgiana cradled the dead five-year-old in her lap, her husband was carried into the house on a stretcher by his disciples. He had fallen from the pulpit, had suffered a broken leg. His reaction to his son's death was that God had exacted the last measure of repayment for the youngster's sins. He failed to recognize, or at least to acknowledge, any parallel with his own injury.
Almost everything was immoral to the Reverend MacArthur. To him sin was everywhere, and every-where were sinners. He often observed that pleasure was the devil's invention and that anything pleasur-able was evil. He taught his followers and his chil-dren that whoever yielded to temptation would burn forever, and his dramatic descriptions of hellfire were terrifyingly vivid. To him, anything that the individual enjoyed doing was a sin that merited God's everlasting enmity.
William Telfer MacArthur lived to be eighty-eight. In his later years he was supported by his sons, who donated five hundred dollars a month to a missionary home in exchange for its letting him lead evening prayers.
The Reverend MacArthur's only avowed misgiving was the paths his offspring followed when it came time to sever family ties. He could find little in their make-up to indicate they had embraced his values, was dismayed that his teachings weren't mirrored in their conduct. :But; he didn't look deep enough. For the heritage he bestowed on the six MacArthur children who grew to adulthood remained, to a greater or lesser degree, indelibly stamped on their souls. Frightening visions of hellfire and the im-possible demands placed on them to avoid it; cruel lessons on how to fend without a father ; beatings with the vinegar-soaked strap ; remembrances of inadequate food and shelter, of a nomadic existence, of a mother dead too young—all these factors and more shaped the destinies of the poverty-stricken minister's children. In his last years the Reverend MacArthur was fond of opining, "They have all failed." Not everyone shared his sentiments.
Alfred MacArthur, the oldest of the children, was born in Saskatchewan, Canada, in 1885, but the family soon moved to Pittston, where his father created his first ministry. It was Alfred who acci-dentally killed his brother, and visions of what had happened haunted him his entire life. Alfred was more like his father than any of the others, perhaps because the Reverend MacArthur took a special interest in him, groomed him from earliest boyhood to carry the evangelistic tradition into a fourth generation.
Occasionally Alfred was allowed to administer the leather-strap whippings, and he embraced the task with considerable enthusiasm. When his father was away on speaking engagements—which was often—Alfred took disciplinary responsibilities on himself. Lining his brothers and sisters up with an efficiency that would have done William Telfer proud, he would ask : "Who am I?"
If the answer wasn't Alfred the Great, and if it wasn't forthcoming speedily enough, the punishment was severe.
Alfred was tall, like his father, and imperious. Any altercation between him and his mother was arbitrated by the Reverend MacArthur in favor of the son, further compromising Georgiana's influence
over her children.
The cruelest blow of all to William Telfer Mac-Arthur came when Alfred shunned the ministry to work for Central Life Insurance Company in Chicago; it was then the differences between oldest son and father became abundantly evident. While the Reverend MacArthur had scorned worldly accom-plishments and material possessions, his oldest son had an uncommon drive to accomplish and acquire. Hard work and honesty—two qualities Alfred's father had beaten into him—impressed A. M. John-son, Central Life's president. For years Johnson had been investing company money in a gold mine that an Old West character named Death Valley Scotty kept insisting was about to return huge dividends. Johnson commissioned Alfred to track Scotty to California, where Alfred learned the gold mine was a myth. Johnson was grateful, especially so when Alfred kept his discovery to himself and away from inquisitive stockholders.
Back in Chicago Alfred pursued a more orthodox road to success. In fact, the California venture was probably the only unorthodox thing he ever did, for he was strait-laced, like his father, and had stringent personal standards to which he always adhered.
Alfred rose rapidly in the insurance business be-cause his compulsion to achieve drove him to work sixteen and eighteen hours a day, and because he was scrupulously honest, a quality most insurance executives admire. At times he was a pompous preacher, an arrogant zealot, a boorish plutocrat, "The Kipling of LaSalle Street," as he was often called.
But he was also a man of unquestioned integrity. And unquestioned energy and ability, too. He was made agency director in charge of Central Life's sales force in 1913, was appointed vice president in 1928 and president a year later. In 1939 he engineered the purchase of Standard Life of Pennsyl-vania and merged the two companies into what is today Central Standard Life Insurance Company. In 1951 he was made chairman of the board. The origi-nal Central Life, a struggling operation in the Twen-ties, had acquired assets of more than $100,000,000 by 1957. By 1957 Alfred MacArthur had acquired seventy-five percent of the company's stock. He had also acquired the respect of every knowledgeable person in the business because his company, besides pioneering a number of progressive reforms in the industry, was a model of what good practices are all about.
Like his father, Alfred would admit to only one misgiving in his life : his brother John. "The darkest day in insurance history was when my brother entered the business," he said, early in John's career. No words passed between the two brothers from that day on.
Alfred MacArthur was a financial wizard. Stories of his investment coups still make the rounds of LaSalle Street. When he died in 1967, his estate was valued at $175,000,000.
Marguerite MacArthur, William Telfer's second oldest, got off to the best start of any in her father's eyes. She married a minister. But the marriage didn't last. A beautiful woman, she became as interested in material rewards as Alfred. She went into business, is alive today, and through investment and inheritance is a wealthy woman.
Telfer MacArthur, the second oldest of the Mac-Arthur sons, had an advantage denied Alfred and Marguerite : he was graduated from high school. Telfer went to Chicago in 1902 with his father, refused to leave in 1909 when the elder MacArthur heard the call of a distant flock.
Success came to Telfer more quickly than it did to Alfred, because he had more imagination, just as much energy and fewer inhibitions. At age nineteen Telfer founded a newspaper, The Observer, in suburban Austin. The paper consistently lost forty dollars a week, and Telfer had to moonlight on two jobs to keep it going, but it proved to be his stepping stone to a meteoric rise. The Observer was in direct competition with Pioneer Publishing Company's hitherto profitable Oak Leaves, and the competition rapidly proved to be financially suicidal. Telfer was persuaded to join Pioneer Publishing Company as business manager when he was twenty-one. When he was twenty-two he was the company's president. At age twenty-five he owned Pioneer.
Telfer MacArthur was a top-flight journalist. He had a flair for writing, for management, and especially for hard work. Under his guidance Pioneer grew into a multimillion-dollar publishing empire printing a dozen influential newspapers.
In 1951—at age sixty-two—Telfer fell in love with a woman less than half his age. He was married and had been married for more than thirty years, but he was determined to live with the younger woman. His brothers, especially John, pleaded with him to reconsider. John offered to procure the full-time services of a "class broad" for three hundred and fifty dollars a week. "Ass is ass," he explained. "If you want young hair I'll buy it for you, but for God's sake don't throw everything away."
John's well-intentioned advice was ignored, and a breach developed between the two brothers that never narrowed.
As John had predicted, the price for Telfer's freedom came high : Pioneer Publishing Company.
Telfer MacArthur was short—five-four—stocky and combative. Many people thought he carried a lifetime chip on his shoulder, attributed it to his small stature. Certainly he was a human dynamo, efficient, energetic, inventive. He died in 1956, five years after his second marriage. His Pioneer Publishing Company still flourishes, run by his first wife.
A gap of seven years separated the births of Telfer MacArthur and Helen MacArthur. Like Marguerite, Helen was a beautiful woman. She married early, helped her stockbroker-husband become wealthy. She lives today in exclusive Barrington, Illinois, on the family estate.
Charles MacArthur, the most widely known of William Telfer's offspring, was born in Hanover, Pennsylvania, in 1896. Besides Telfer, Charles was the Reverend MacArthur's only child to enjoy a high school education. He left his father in 1912 and went to work for brother Telfer at Pioneer Publishing Company as a reporter.
Charles married the First Lady of the American Stage, Helen Hayes, but not before he himself was a success. The most sensitive and artistic of William Telfer's children, and Georgiana's favorite, Charles was deeply affected by his father's authoritarian attitudes and by the treatment accorded his mother. His rebellion was total : he embraced everything Reverend MacArthur abhorred. Charles' life was excitement, glittering lights, beautiful women, rivers of scotch.
Charles was one of the most gifted men of his day. He left Telfer to go to Mexico to chase Pancho Villa, was a reporter for Stars and Stripes, enlisted and saw service during World War I. His antics as a young man were exceeded only by his exploits as an adult. While working for Telfer he decided to crack a murder case that was making headlines in Chicago. A wife and her lover had been killed, the police had the husband in custody and were convinced of his guilt. But they couldn't prove it. Dressed as a Catholic priest, Charles visited the accused man and heard his confession. The next day Pioneer had an exclusive.
During World War I Charles was close to then Colonel Douglas MacArthur, a first cousin of William Telfer. Colonel MacArthur urged Charles to make the military his career, but Charles saw army life differently. Four times he was promoted to sergeant, four times he was busted for intentionally committing some outrageously insubordinate act.
At age twenty-three Charles wrote a book, A Bug's-Eye View of the War, which was hailed by the literati as a masterpiece. In the early Twenties he worked for the Chicago Herald Examiner, the Chicago Tribune and the New York American, but his most lasting renown came from his co-authorship —with Ben Hecht—of The Front Page, a brutally truthful play about American journalism which became a great Broadway hit in 1928. Three days after the opening of The Front Page he married Helen Hayes. Her love for him never dimmed, nor did his for her. It was the second and last marriage for Charles, who, Broadway buffs said, "had screwed every broad in the Ziegfeld Line."
For Charles, the First Lady of the American theatre gave up the Catholic faith, which she had always contended was the most important thing in her life. The story of the first meeting between Helen Hayes and Charles MacArthur has become Broadway legend. It was at a party on Fifty-Seventh Street in Manhattan. Charles was standing near a bowl of peanuts when the beautiful Miss Hayes made her entrance. "Want a peanut?" he asked. "I wish they were emeralds."
Twenty years later—in a moment of pique—he dropped a bowl of emeralds in her lap and said : "I wish they were peanuts."
Charles MacArthur was a prolific writer. He teamed with Ben Hecht to do The Front Page in four weeks, Twentieth Century in five weeks and The Scoundrel in ten days. He was also a screen-writer, and co-authored The Sin of Madelon Claudet, which was written especially for Helen Hayes' movie debut and for which she won an Academy Award.
In 1929 Charles signed a five-year, two-hundredand-fifty-thousand-dollar contract to produce scripts. His screen credits include Rasputin, in which the three Barrymores appeared, Gunga Din, Barbary Coast, Rip Tide, Crime Without Passion and Wuthering Heights.
Charles loved to fight, and drink, and love. His world was the glamorous and his friends were among the most talked-about personalities of the day: Robert Benchley, F. Scott Fitzgerald, Alexander Woollcott, John Barrymore. Charles was witty, suave, charming, an enormously gifted conversationalist.
But even Charles could not escape his upbringing. "The genius with which my friend was born," Ben Hecht wrote, "had an enemy looming beside his crib. It was an enemy that roared of `guilt,' sin,' and 'bend the knee.' Charles needed a cohort against this enemy. It's why he always wrote with a collaborator. Sin and fear of punishment kept his mind from wandering too far."
John MacArthur, for one, disputes Ben Hecht's explanation for Charles' needing a collaborator. He contends that Charles was a procrastinator, that he needed someone to nag him and that Ben Hecht was a very effective prod.
Whatever, Charles' hatred of his father was well-publicized. The Reverend MacArthur reciprocated. The first time he met Helen Hayes he pointed a bony finger at her and roared : "You are a sinner !"
Charles MacArthur died April 21, 1956, and Time magazine wrote: "Everybody always loved Charlie MacArthur. And their love killed him. He had a personal radiance few could resist. His conviviality knew no bounds. But his heart and kidneys did."
Charles died of nephritis.
Which leaves John. When Ben Hecht wrote Charles MacArthur's biography, he mentioned John's name only once, and then to say he was Charles' brother. Yet John is perhaps the most re-markable of the remarkable MacArthurs.

2012-06-12

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Stock Holder Chapter 2


John Donald MacArthur owns Bankers Life & Casualty Company of Chicago, the second largest stock accident and health insurance company in the world. He owns Bankers outright—lock, stock and barrel. He is the stockholder. The sales force of Bankers numbers thirty-five hundred, and in 1967 the company had admitted assets of more than $350,000,000. If shares of Bankers Life were offered on the open market they would bring more than $1,000,000,000.
John MacArthur also owns—outright—Bankers Multiple Line Insurance Company ; Certified Life In-surance Company of California ; Constitution Life Insurance Company ; Marquette Life Insurance Company; International Life Insurance Company ; Protection Mutual Insurance Company of Pennsylvania ; Southeastern Title and Insurance Company; Gotham Life Insurance Company of New York; Union Bankers Insurance Company; Western American Life Insurance Company; and Western Life Assurance Company of Hamilton, Ontario.
The insurance companies John MacArthur owns have assets of more than $500,000,000, and a value on the open market in excess of $1,500,000,000. Had he not merged Westminster Life Insurance Company, Northern Mutual Casualty Company, State Life Insurance Company of Tennessee, State Life Insurance Company of Kentucky and Hotel Men's Mutual Benefit Association with other firms, his list of owned insurance companies would be even more impressive. Yet for this fantastically wealthy man, insurance has become little more than a sideline.
John MacArthur built, and he owns, the town of Palm Beach Gardens, Florida. Palm Beach Gardens is the home of the Professional Golfers Association and the huge RCA computer-building plant. MacArthur owns the PGA golf courses and clubhouse and, of course, a large block of RCA stock.
John MacArthur is the largest landowner in Florida. His holdings include eighty percent of the real property in Lake Park, which is the fastest growing section of sprawling Palm Beach County. He owns 32,000 acres in Sarasota County, 10,000 acres in Palm Beach County, 10,000 acres in Orlando, 3,000 acres in Dade County and 354 acres in Surfside. He also owns the Colonnades Beach Hotel in Palm Beach Shores, with 1,000 feet of oceanfront; a portion of the Sunshine State Parkway, a toll road ; the Nassau Harbor Club, Palm Beach Development Company, Layton's Park Trailer Camp, Southern Realties and Utilities Company, Fort Pierce Port and Terminal Company, Miami Prefabricators, Florida Aviation, MacArthur Television Productions, radio station WEAT and television station WEAT-TV.
John MacArthur's holdings outside Florida in-clude Citizens Bank and Trust Company of Park Ridge, Illinois ; the Wilton Hotel in Long Beach, California, and a dozen other hotels ; Brookshore Printing Company in Chicago; Mailers, Inc., in
Chicago ; Marshall John Advertising Agency in Chi-
cago ; and Red Top Brewing Company in Cincinnati.
John MacArthur has extensive farm and ranch lands in Illinois, Arizona, Georgia, Colorado and Michigan. He has a salvage operation in Alaska, a record company in New York, oil wells in New Mexico, resort land in Wisconsin, real property in West Germany and Argentina. He owns a chain of restaurants and a fleet of airplanes.
And he acquired it all on his own. Nothing was given to him, he didn't inherit a dime. He was born March 6, 1897, in Pittston, Pennsylvania, the seventh and last child of a dead-broke evangelist. At age seventy-two, his health, except for ulcers, was as robust as his bank account.
He lives in the hotel he owns, the Colonnades, next to the town he owns, Palm Beach Gardens, and each morning he rises at five and goes to the coffee shop in his hotel and holds court for a bewildering assortment of guests.
Congressmen, senators, governors, even presiden-tial candidates journey to the Colonnades to make their pitch for money. They invariably come away empty-handed. "I'm broke," John MacArthur tells them. "Everything I have is tied up in the corpora-tions. And I believe it's against your laws for a corporation to donate money."
John MacArthur has an especial dislike for any-thing connected with government. He has been in-vestigated innumerable times by state insurance de-partments, contends that his success has led to persecution. "They see all that money and figure I've got to be crooked," he says bitterly. Then he smiles, his eyes twinkle, and he says, "Of course they're right."
But John MacArthur's difficulties with the government haven't been limited to state insurance de-partment investigations. He has survived—and prospered—despite legal attacks from the Justice Department, the United States Post Office, the Federal Trade Commission, the Internal Revenue Service and the Interstate Commerce Commission.
Land developers, wheeler-dealer promotion men, fast-buck artists, ex-convicts, the unemployed and destitute, all come to the Colonnades, all are listened to. John MacArthur is available to everybody, but except for rare instances does business only when he can turn a profit—a huge one. The reason people continue to come to the Colonnades is the absolute simplicity involved in getting huge sums of money. There's no red tape : no co-signers are required, no board of directors studies the merits of the loan. Fifty million dollars, a hundred million, more—it's there for the taking if John MacArthur says "okay."
John MacArthur is an enigma to the leaders of charity drives. They can't believe that a man of his age and wealth isn't concerned with preserving his name in concrete and marble. Evangelist Billy Graham, in a plea for $25,000,000, wrote, "I have followed your Christian career for many years and am certain that God has had much to do with your good fortune. You might be interested to know that I learned a great deal about the Lord from your father, a great minister at whose feet I used to sit and who was largely responsible for my vocation."
"Baloney," John MacArthur said. "My father died thirty-five years ago. He was eighty-eight years old then, hadn't preached in public for at least ten years before that."
One of John MacArthur's closest associates believes his attitude toward charitable contributions is a healthy one : "Especially where Billy Graham is concerned. Hell, he once offered Mickey Cohen twenty thousand dollars to get up on the podium and say he'd been saved."
A check of Los Angeles court records does indeed indicate that the famed evangelist and the diminutive West Coast mobster were strangely chummy. Graham testified to a Grand Jury that he had lent Mickey Cohen ten thousand dollars. Actually, Cohen was rolling in money ; but he couldn't spend it without arousing suspicion. In order to finance his high living, he had to be able to explain to Internal Revenue Service where the money came from. Checks signed by people like Billy Graham, and marked "loan," proved to be an excellent dodge. Cohen paid cash for the checks from his hidden assets, told IRS he managed to survive only because of the generosity of friends.
In any event, John MacArthur wasn't moved off his wallet by Billy Graham's suggestion that he donate money in exchange for a building being named after him. In fact, John MacArthur has never been accused of a philanthropic bent. He agrees : "Charity is for three types. Those who believe in God, those who want to be remembered when they're gone, and those who want to impress somebody. I'm an atheist, I hope people forget me, and if I want to impress anyone I'll paste the annual statement on the wall."
Nor does he try to impress anyone. "I have more enemies per square foot than any man around," hesays, though he professes ignorance of the reasons why. He professes no similar ignorance when asked how a poor minister's son became a billionaire:
"Hard work, luck and opportunism in that order. I've also got one hell of a good bunch of people working for me. Ninety percent of the people you deal with are honest and loyal. You've got to trust people. If you go around biting on quarters to see if they're lead, you'll wind up with a mouthful of chipped teeth."
What drives a man to accumulate a billion dollars? John MacArthur was asked.
"I had to show somebody," he replied.
The people who work for John MacArthur, especially his insurance agents, have an enormous personal loyalty to him. As additional millions roll in, they take vicarious pleasure in his success, knowing the way he started—ill-educated, penniless, peddling insurance door-to-door. Legends of his selling prowess are related in reverent tones by old-timers who were with him in the lean days. "John was a super salesman," they say. "He could sell reading glasses to a blind man."
John MacArthur's employees call him "The Skipper," think of him as kind, benevolent, interested in their personal problems. They sell insurance with the same zeal and for the same reasons a football team wins one for the retiring coach. To meet John MacArthur, to shake his hand, is, for his employees, to be greeted by the gods.
The Saturday Evening Post called John Mac-Arthur "shrewd and witty . . . a sort of Hildy Johnson . . . sentimental."
Look praised him for hiring the handicapped. Collier's said he was "public-spirited."
Fortune found him "refreshingly honest."
The Miami Herald lauded his "drive, guts, belief in self."
The American Museum of Natural History hon-ored him for public service.
Eleanor Roosevelt and President Eisenhower called a MacArthur company (Bankers Life) "Tops."
The governor of Minnesota, the Miami police de-partment, the F.B.I., the Department of Labor, a United Nations committee, all have commended him.
The United States government recognized him as a hero during World War I.
The Horatio Alger Award was given him.
John MacArthur's Number One fan is newscaster Paul Harvey. Harvey waxes ecstatic at the drop of MacArthur's name. For Harvey, John MacArthur epitomizes all that's right about this country. On numerous occasions he has interrupted his broad-casts to say just that.
Even Las Vegas' bashful billionaire, Howard Hughes, has grudgingly admitted that John Mac-Arthur is the toughest man he knows to get the best of in a business deal. In September, 1967, R & H Holding Company, owned by John MacArthur and headed by Maurice Friedman, had title to the Frontier Hotel property in Las Vegas. When Friedman got the axe from gaming authorities, John MacArthur entered into negotiations with Howard Hughes for the sale of the land. It was property Hughes dearly desired and it was relatively useless to MacArthur. Nevertheless, it was given a liberal
market value of $11,203,324. Hughes paid $14,000,-
000 for it. Incidentally, Maurice Friedman, Mac-
Arthur's man in Las Vegas, was recently sentenced to six years in prison and fined $100,000 for masterminding the Friar's Club gin rummy cheating case. Las Vegas publisher Hank Greenspun, shoe manu-facturer Harry Karl, real estate tycoon Richard Corenson, singer Tony Martin and comedians Phil Silvers and Zeppo Marx were among those bilked out of more than $450,000 in the rigged card game.
Still, the name John MacArthur is hardly a household word. He stays in the background, makes certain that what is printed is bland and easily for-gettable, largely the product of public relations experts. Ask a hundred people who John MacArthur is and chances are you'll draw a hundred blank stares. John MacArthur doesn't want fame or recog-nition because—some people say—the rags-to-riches story of the poor boy turned billionaire is not, despite the Award, a Horatio Alger story.
"This is a man," one MacArthur observer said, "so personally corrupt that he brazens out deals and screws people in ways that others on his level never do."
Perhaps. But if that's true, there are reasons.

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Stock Holder Chapter 1


It was almost twelve o'clock of a rain-lashed, starless Florida night in October, 1962. Within three weeks the annual swarm of tourists would descend on the Palm Beach area, but this was still the slack season.
There were only four men in the hushed, dimly lit Colonnades Beach Hotel dining room. They sat around a table near the wall-sized window that over-looked the lonely beach. Outside, the Atlantic winds howled, the surf roared and rumbled, but here were heard only the civilized sounds of heavy silver laid on a padded tablecloth, the clink of ice cubes in glasses, the murmur of obsequious voices. The table where the men sat was littered with ashtrays, half-empty water glasses and the remnants of the dinner three of them had eaten. They had been in the dining room since the rain had started, at six that morning.
The three who had eaten were tired and fidgety. A cloud of cigarette smoke hung in the stale air above their heads. They were dressed much alike, in dark suits and blue shirts, and had the smooth, well-manicured look of executives who maintain country club memberships and do a good deal of business on the golf course. They were stiff from sitting, their eyes were reddened by smoke and they kept examining their watches as if to indicate it was time to go. A stranger observing the scene would have wondered why they didn't, for the fourth man in the group hardly seemed the type to detain them.
The stranger would have been puzzled by what the man was doing there in the first place. At best he had the look of a retired postman living on Social Security, at worst that of an elderly beach bum. Old, wizened, with skin darkened to mahogany by the Florida sun, he had been sitting for eighteen hours and now seemed to have fallen into a trance. Occasionally he ran his fingers through his thinning white hair or leaned an elbow on the table and cupped his chin in his hand, but for long periods he sat absolutely still.
He wore an almost white, well-wrinkled shirt, open at the collar, unpressed pants and scuffed shoes. He had a short neck and a mustache that didn't appear worth the effort. He was five-ten when he straightened up, which was seldom, and he had a comfortable paunch.
The old man hadn't spoken more than a dozen times all day and then only to ask questions. He had remained motionless, his face drained of expression, and his three companions couldn't tell if he'd been listening or off in some private reverie. Irritation crinkled the edges of their voices ; they began to wonder if he was drunk. He had been drinking since early afternoon. Now, sunk in a melancholy haze, he stared out at the lashing rain. He glanced up at the approach of a bow-tied waiter carrying a telephone.
"For you, Mr. MacArthur," the waiter told him.
"Who is it?"
"Mr. Stolkin in New York."
The old man sat as if lost in thought. He made no move for the telephone, stared unseeing at the inch-long ash on his filter-tip cigarette and didn't appear to notice as it crumbled into his scotch. The others exchanged glances of revulsion, except for the waiter who kept his face carefully impassive.
The three men settled back to wait for him to make up his mind. Into his hooded eyes came a glimmer of interest. He remembered other telephone calls, late at night, from Ralph Stolkin, and wondered what this one was about. He thought he had a pretty good idea. His tablemates had none at all. They knew Ralph Stolkin by reputation and tried to imagine a connection between him and the old man. It was a futile exercise.
Ralph Stolkin was described by the Wall Street Journal as a "Chicago financier." In reality he was a playboy, a yacht-sailing, jet-setting con man who was lucky not to be in jail. His father-in-law, Abraham Koolish, had received a ten-year prison sentence for his part in the Sister Kenny Foundation mail fraud, which certain cynical Chicagoans contend Ralph Stolkin masterminded. In 1952 Stolkin had a thirty percent controlling interest in RKO Radio Pictures, which he had purchased from Howard Hughes. Stolkin was elected president of RKO but was forced to resign when news of some of his earlier business activities came to light. He was now the major stock-holder in National Video Corporation and in MPI Industries, Inc. He owned 109,538 shares of National Video, 854,309 shares of MPI.
The three executive types began drumming their fingers on the table, partly from curiosity, partly from impatience. "Shall I tell him you've gone to bed?" the waiter asked smoothly.
For a moment the old man seemed to consider it. Then from under his failed mustache came the beginnings of a smile. "No," he said, twisting out the stub of his cigarette. He lifted the receiver.
"How are you, Ralph?"
"John, baby ! Great to talk to you again."
John MacArthur lit a fresh cigarette. He hunched over the table, the telephone crooked in the hollow of his shoulder as if he were too tired to think about holding it. "What do you want, Ralph?"
"Aren't you glad to hear from me? How've you been, anyway? Screwing any widows?"
"My neck's the only thing that gets stiff any more. What do you want?"
"I need money, John. I need it bad. The tax collector means business this time."
"I haven't any money, Ralph. You know that. What little I have goes to support Catherine and me in our retirement."
"A million dollars. I need a million dollars right away. It's life or death. I've got good collateral."
John MacArthur stretched, made no attempt to disguise a yawn. "I can't loan that kind of money. I don't have it."
"I said I have collateral. Good collateral."
"And I said I don't have it. Besides, I'm retired. I don't work anymore. I'm just trying to enjoy my last years."
"It's desperate, John. IRS is plenty sore."
John MacArthur's companions had stopped fidgeting and they could hear Ralph Stolkin's voice on the phone get higher and more excited. John MacArthur gathered them in with a look that seemed to include them in some private game of his own. His eyes sparkled with mischief : just watch this, they seemed to say. "Ralph, why don't you try the bank?" he asked, swallowing a laugh and holding the phone out so everyone could hear the obscene rejoinder.
"Goddammit," Stolkin spluttered, "this is important. Don't play games. . ."
"I can't help you." John MacArthur took a drink of his ash-laden scotch. "Maybe Louis Feil ..."
"Would you call him?"
"It's past midnight."
"This is urgent."
"For you, Ralph. Not for me."
"Okay. For me."
"I'll call him for old times' sake. For old times' sake, Ralph. You phone him in twenty minutes. I can't promise anything. It's up to Louis."
"Tell him you know me. That I'm good for it." "It's up to him."
"Twenty minutes. I'll call him."
John MacArthur replaced the receiver, drained his drink, gestured to the waiter, who took the empty glass and hurried away with it. Then he leaned forward and put the tips of his fingers together as if in an attitude of prayer. He stared out the window at the whirling surf, the straining palm trees, the black night.
The waiter returned with the drink. John MacArthur took a long pull from it, sighed and rubbed his stomach. "Well," he said, "it's about time for dinner. Lamb stew," he told the waiter.
"The chef's gone to bed. Maybe I could fix a sandwich?"
"Get the chef's ass out of bed," John MacArthur said mildly. "He's only had three customers all day.
Now that he's got a fourth he can do a little work."
Meditating on the temperament of chefs, the waiter walked slowly away, shaking his head, resigned.
John MacArthur lit a cigarette from the remains of the old, swallowed some scotch, reached for the phone and gave the hotel operator a number to call in New York.
"I was asleep," Louis Feil said.
"Ralph Stolkin wants money."
"Oh?"
"He'll call you in a few minutes." John Mac-Arthur hung up, stretched, smiled at the others. "No more business tonight," he said genially. "I'm an old man and these hours really are too much."
The three acted as one: with fury. They had sub-mitted their proposition from California, and four days ago they had received a response : "Get here right away or no deal."
They had made hurried flight reservations, had traveled all night and met John MacArthur the next morning. "How much are you prepared to offer?" he asked.
The three had been surprised. "We told you what we'd pay," one said. "You told us to get here right away."
"Sure I did. But I didn't say your proposition was satisfactory. Now—here's what I'd like." John MacArthur proceeded to outline stiffer, harsher terms.
Frantic long-distance calls, pleading, arguing, and, finally, the three had received authority to meet the new demands. They met with John MacArthur the next morning. "That's what I told you I'd like," he said. "Now—here's what I'll take." Again he demanded more.
The three had been angry. But by last night they had obtained the additional authority. "Good," John MacArthur told them. "Let me sleep on it." He had gone to his room in the hotel, pleased with himself, and had gone to bed. But sleep evaded him. Some-thing was wrong. Suddenly he realized what it was. "Hell," he said out loud, "I'll bet you could get even more if you made them wait a little longer."
So the three sat and watched him eat the lamb stew. "Listen," one said. "We came in good faith. I think we're entitled to an answer."
"You've got one. I haven't made up my mind yet." "Tomorrow?"
"I'm busy tomorrow. You fellows go back to Los Angeles. I'll call you when I've thought it over."
"Thought it over? We've met your terms. Look, we could...."
"Sue? Go ahead. I've got thirty-five hundred law-suits now. Yours will make thirty-five hundred and one."
John MacArthur was smiling, but his tone was final. Unless they wanted to risk being cut off entirely there was nothing they could do. They sat silent, sullen, watched as he ate, listened as he began to talk. They were forced to admit he could be a clever conversationalist. He was witty, earthy, proficiently profane. He finished his meal, wiped his plate industriously with a piece of bread and managed to get blotches of gravy on both cuffs of his shirt. He held them up for the others to see. "Anyway, it was time to have it washed."
John MacArthur was well into a second after-dinner drink and was still talking when the phone the waiter had left on the table began to ring. He didn't wait for Ralph Stolkin to identify himself. "How did Louis Feil treat you?"
"Goddammit, John, I wanted a loan, not a mortgage on my soul."
"Did the two of you get together?"
"He wants twenty percent. For thirty days—thirty goddam days—and he wants twenty percent." "Louis is a cautious man."
"He's a damn pirate."
"Ralph.. . ." John MacArthur's tone was soothing, comforting, vastly sympathetic. He could picture Ralph Stolkin, red-faced, furious. He could also picture Louis Feil, sleeping serenely.
"John, this is rape."
"Only one way to handle rape—relax and enjoy it." "Twenty percent for thirty days is. . . ."
"You could try the bank. Or did we discuss that?" "Fuck you."
"You'd like that."
"Dammit, John, I've got good collateral. I told you that. Don't you believe me?"
"I wouldn't believe you if you were knee-deep in Bibles."
"I just want.. ."
"You listen. I did you a favor. I told Louis Feil you were a friend of mine. I can't do any more than that. Whatever deal the two of you make isn't my concern. I'm retired. Louis handles these things."
"John. . . ."
John MacArthur hung up. He knew Ralph Stolkin would accept his terms, and he smiled as he reflected on how easy it was to make two hundred thousand dollars. What he couldn't know was that the deal would turn out even sweeter. For Ralph Stolkin had no intention of using the money to pay IRS. Instead he would buy a yacht. By the time Louis Feil got around to collecting what was owed, interest, penalties and legal fees would bring the total to six and a half million dollars.
John MacArthur looked at his guests. "I should go to bed now. I'm an old man."
The three men didn't want to leave. They started to talk about another meeting. Any time would be all right, they said. But their host insisted he was tired, he'd call them in California. He stood up, dismissing them, and they tendered reluctant goodbyes. He watched them leave, sat down again and finished his scotch.
It had been a good day. Ever since he had been a very little boy he had tried to do as well as he could each day. It gave him a warm feeling, a feeling of satisfaction to make each twenty-four-hour period a new and profitable adventure. Sometimes, as he had often said, he didn't like the rules, especially the one that judged a man by his bank balance. But then he didn't make the rules. He only lived by them.
He gazed down at the table, looked over the remains of food on the plates. The waiter had discreetly vanished. John MacArthur took a plastic bag from his pocket and scraped a partially eaten salad into it. Then he got up and walked from the dining room, the bag swinging at his side. As he went out he nodded to each haggard-eyed employee that he passed. In the lobby he stopped in front of a mirror.
"John," he said sternly, "you're a son-of-a-bitch." He grinned, tapped the glass. "But I like you," he said, and headed toward his room.
For the unknown billionaire, John MacArthur, one of the three richest men in America, it had been a typical day.