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71-507: Warren Schmidt is retiring from his position as an actuary with Woodmen of the World , a life insurance company in Omaha, Nebraska . After a retirement dinner, Schmidt finds it hard to adjust to his new life, feeling useless. Warren sees a television advertisement about a foster program for African children, Plan USA , and decides to sponsor a child. He soon receives an information package with

142-547: A blood clot in her brain just after their purchase of a Winnebago Adventurer motor home. Jeannie, their daughter, and her fiancé, Randall Hertzel, a waterbed salesman, arrive from Denver . Consoling him at the funeral, she later berates him for taking his wife for granted, refusing to fully pay for the Winnebago (he wanted the cheaper model) and getting her a cheap casket. He asks her to move back to take care of him, but she refuses. Meanwhile, Randall tries to rope him into

213-433: A pyramid scheme . Schmidt feels his daughter could do better than Randall. After they leave, Schmidt is overcome by loneliness. He stops showering, sleeps in front of the television, and goes shopping with a coat over pajamas to load up on frozen foods. When he discovers hidden love letters disclosing Helen's long-ago affair with Ray, a mutual friend, Schmidt collects all her possessions and dumps them unceremoniously next to

284-463: A London draper named John Graunt showed that there were predictable patterns of longevity and death in a defined group, or cohort , of people, despite the uncertainty about the future longevity or mortality of any one individual. This study became the basis for the original life table . Combining this idea with that of compound interest and annuity valuation, it became possible to set up an insurance scheme to provide life insurance or pensions for

355-531: A clothing donations bin. He then confronts Ray for his betrayal. Deciding to take a journey in the new Winnebago to visit his daughter and convince her not to marry Randall, he tells her he is coming early for the wedding. She makes it clear she does not want him there until right before the ceremony, so Schmidt visits places from his past, including his college campus and fraternity at University of Kansas and his hometown in Holdrege, Nebraska . His childhood home

426-435: A code of ethics that covers their communications and work products. As an outgrowth of their more traditional roles, actuaries also work in the fields of risk management and enterprise risk management for both financial and non-financial corporations. Actuaries in traditional roles study and use the tools and data previously in the domain of finance. The Basel II accord for financial institutions (2004), and its analogue,

497-521: A financial liability will be worth at different points in the future. Since neither of these kinds of analysis are purely deterministic processes, stochastic models are often used to determine frequency and severity distributions and the parameters of these distributions. Forecasting interest yields and currency movements also plays a role in determining future costs, especially on the life side. Actuaries do not always attempt to predict aggregate future events. Often, their work may relate to determining

568-539: A focus on their complexity, their mathematics, and their mechanisms. The name of the corresponding academic discipline is actuarial science . While the concept of insurance dates to antiquity, the concepts needed to scientifically measure and mitigate risks have their origins in the 17th century studies of probability and annuities. Actuaries of the 21st century require analytical skills, business knowledge, and an understanding of human behavior and information systems to design programs that manage risk, by determining if

639-499: A government contract to transport all provisions for all western forts. The supplies were brought up the Missouri River by steamboat and then taken out by wagon train. Nebraska City's favorable position (with a gradual slope from the river to the table land above) and good trail made it an important link to the west. Since that beginning, the city became established as a regional transportation, economic, and agriculture hub for

710-422: A group of people, and to calculate with some degree of accuracy each member's necessary contributions to a common fund, assuming a fixed rate of interest. The first person to correctly calculate these values was Edmond Halley . In his work, Halley demonstrated a method of using his life table to calculate the premium someone of a given age should pay to purchase a life-annuity. James Dodson 's pioneering work on

781-648: A guideline for setting the pass mark for any examination. If the CAS determines that 70% of all candidates have demonstrated sufficient grasp of the syllabus material, then those 70% should pass. Similarly, if the CAS determines that only 30% of all candidates have demonstrated sufficient grasp of the syllabus material, then only those 30% should pass." Actuaries have appeared in works of fiction including literature, theater, television, and film. At times, they have been portrayed as "math-obsessed, socially disconnected individuals with shockingly bad comb-overs", which has resulted in

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852-508: A male householder with no wife present, and 36.9% were non-families. 31.5% of all households were made up of individuals, and 15.9% had someone living alone who was 65 years of age or older. The average household size was 2.37 and the average family size was 2.97. The median age in the city was 40.9 years. 24.4% of residents were under the age of 18; 7.6% were between the ages of 18 and 24; 22% were from 25 to 44; 26.2% were from 45 to 64; and 19.7% were 65 years of age or older. The gender makeup of

923-458: A mixed response amongst actuaries themselves. Nebraska City Nebraska City is a city in Nebraska and the county seat of Otoe County , Nebraska , United States. As of the 2020 census , the city population was 7,222. The Nebraska State Legislature has credited Nebraska City as being the oldest incorporated city in the state, as it was the first approved by a special act of

994-522: A number of critics, who singled out the performances of Jack Nicholson and Kathy Bates . Film website Rotten Tomatoes reported an approval rating of 85% based on 203 reviews, with an average rating of 7.71/10. The site's critical consensus reads, "In this funny, touching character study, Nicholson gives one of the best performances of his career." On Metacritic , the film has a weighted average score of 85 out of 100, based on 40 critics, indicating "universal acclaim". Audiences polled by CinemaScore gave

1065-617: A parade, a classic car show, carnival rides, the AppleJack Fun Run/Walk, a quilt show, and craft shows and events all around the city and surrounding area. In 2011, a turnout of 40–50,000 visitors was expected. Nebraska City has a mayor-commission government system. Nebraska City is currently the only municipality in the State of Nebraska that has the commissioner form of government. The Nebraska City commissioner model does not utilize representatives from precinct divisions of

1136-458: A photo of his foster child, a small Tanzanian boy named Ndugu Umbo, to whom he relates his life in a series of candid, rambling letters. Schmidt visits his young successor at the life insurance company to offer his help, but he is politely declined. As he leaves the building, Schmidt sees the contents and files of his office, his entire career, set out for the garbage. He describes to Ndugu his longtime alienation from Helen, his wife, who dies from

1207-503: A soak in her hot tub will help his back, but he flees after she makes a pass at him in the tub. The next day, Schmidt, exhausted from a restless night, attends the wedding and delivers a kind speech at the reception, hiding his disapproval. On his way home, Schmidt composes a letter to Ndugu. He questions his life accomplishments, lamenting that he will soon be dead, that his life has made no difference to anyone, and that eventually it will be as if he has never existed at all. A pile of mail

1278-522: A sublime league of its own." Paul Clinton of CNN.com wrote: " About Schmidt is undoubtedly one of the finest films of the year. If you're not deeply touched by this movie, check your pulse." Upon accepting his Golden Globe for Best Actor in a Drama, Nicholson stated, "I'm a little surprised. I thought we made a comedy." It was also part of the Official Competition Selection at the 2002 Cannes Film Festival . About Schmidt

1349-534: A university setting. In others, such as the US, most study takes place during employment through a series of examinations. In the UK, and countries based on its process, there is a hybrid university-exam structure. As these qualifying exams are extremely rigorous, support is usually available to people progressing through the exams. Often, employers provide paid on-the-job study time and paid attendance at seminars designed for

1420-646: Is Arbor Lodge , home of the first Secretary of Agriculture of the United States, J. Sterling Morton , who promoted the planting of trees on the prairie for shade, fruit, and windbreaks. The National Arbor Day Foundation has its headquarters near his home in Nebraska City. Each year, the AppleJack Festival in Nebraska City takes place on the third weekend of September. The event has been held for over 40 years. It includes such events as

1491-528: Is in the 1st state legislative district, as of 2022 & is represented by state senator Julie Slama in the Nebraska Legislature . The first high school in Nebraska was established in Nebraska City in 1864. Nebraska City has a public and a Catholic school system. Nebraska City Public Schools offers K-12 education. The high school has an enrollment of about 445; its athletic teams are

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1562-428: Is now a tire shop. At a trailer campground, he is invited to dinner by a friendly and sympathetic couple, John and Vicki Rusk. When John goes for beer, Schmidt makes a pass at Vicki, who tells him to leave immediately. Sitting on the roof of his RV on a starry night, Schmidt forgives his departed wife for her affair, apologizing to her for his own failings. At that moment, he is amazed to see a bright meteor streak across

1633-405: Is record of a 14th-century contract to insure a shipment of wheat. In 1350, Lenardo Cattaneo assumed "all risks from act of God, or of man, and from perils of the sea" that may occur to a shipment of wheat from Sicily to Tunis up to a maximum of 300 florins . For this he was paid a premium of 18%. During the 17th century, a more scientific basis for risk management was being developed. In 1662,

1704-457: Is so unlike Schmidt that his performance generates a certain awe. Another actor might have made the character too tragic or passive or empty, but Nicholson somehow finds within Schmidt a slowly developing hunger, a desire to start living now that the time is almost gone." Michael Rechtshaffen of The Hollywood Reporter wrote: "It's a commanding Jack Nicholson lead performance that puts it into

1775-454: Is the convergence of modern finance theory with actuarial science. In the early 20th century, some economists and actuaries were developing techniques that can be found in modern financial theory, but for various historical reasons, these developments did not achieve much recognition. In the late 1980s and early 1990s, there was a distinct effort for actuaries to combine financial theory and stochastic methods into their established models. In

1846-467: Is waiting for him at home. Schmidt opens a letter from Tanzania. It is from a nun, who writes that Ndugu is six and unable to read and reply to Schmidt's letters on his own, but appreciates them and Schmidt's financial support very much. The enclosed crayon drawing, of Ndugu and Schmidt holding hands on a sunny day, moves Schmidt to tears. Alexander Payne's script to About Schmidt was initially an original screenplay written years before Louis Begley's novel

1917-517: The Missouri River . They encountered many of the historic Native American tribes whose ancestors had inhabited the territory for thousands of years. During the years of early pioneer settlement, in 1846 the US Army built Old Fort Kearny at Nebraska City. Several years later, the army abandoned it to relocate the fort to central Nebraska, now south of present-day Kearney . Shortly after

1988-837: The Nebraska Territorial Legislature in 1855. Nebraska City is home of Arbor Day , the Missouri River Basin Lewis and Clark Center (which focuses on the natural history achievements of the expedition), and the Mayhew Cabin , the only site in the state recognized by the National Park Service as a station on the Underground Railroad . Early European-American official exploration was reported in 1804 by Lewis and Clark as they journeyed west along

2059-457: The Roman empire , associations were formed to meet the expenses of burial, cremation, and monuments—precursors to burial insurance and friendly societies . A small sum was paid into a communal fund on a weekly basis, and upon the death of a member, the fund would cover the expenses of rites and burial. These societies sometimes sold shares in the building of columbāria , or burial vaults, owned by

2130-1008: The Solvency II accord for insurance companies (in force since 2016), require institutions to account for operational risk separately, and in addition to, credit , reserve , asset , and insolvency risk. Actuarial skills are well suited to this environment because of their training in analyzing various forms of risk, and judging the potential for upside gain, as well as downside loss associated with these forms of risk. Actuaries are also involved in investment advice and asset management , and can be general business managers and chief financial officers . They analyze business prospects with their financial skills in valuing or discounting risky future cash flows, and apply their pricing expertise from insurance to other lines of business. For example, insurance securitization requires both actuarial and finance skills. Actuaries also act as expert witnesses by applying their analysis in court trials to estimate

2201-512: The United States Census Bureau , the city has a total area of 4.69 square miles (12.15 km ), all land. As of the census of 2010, there were 7,289 people, 2,960 households, and 1,867 families residing in the city. The population density was 1,554.2 inhabitants per square mile (600.1/km ). There were 3,265 housing units at an average density of 696.2 units per square mile (268.8 units/km ). The racial makeup of

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2272-508: The level premium system led to the formation of the Society for Equitable Assurances on Lives and Survivorship (now commonly known as Equitable Life ) in London in 1762. This was the first life insurance company to use premium rates that were calculated scientifically for long-term life policies, using Dodson's work. After Dodson's death in 1757, Edward Rowe Mores took over the leadership of

2343-413: The 1930s and 1940s, rigorous mathematical foundations for stochastic processes were developed. Actuaries began to forecast losses using models of random events instead of deterministic methods . Computers further revolutionized the actuarial profession. From pencil-and-paper to punchcards to microcomputers, the modeling and forecasting ability of the actuary has grown vastly. Another modern development

2414-503: The 21st century, the profession, both in practice and in the educational syllabi of many actuarial organizations, combines tables, loss models, stochastic methods, and financial theory, but is still not completely aligned with modern financial economics . As there are relatively few actuaries in the world compared to other professions, actuaries are in high demand, and are highly paid for the services they render. The actuarial profession has been consistently ranked for decades as one of

2485-468: The United States, the profession was rated as the best profession by CareerCast, which uses five key criteria to rank jobs—environment, income, employment outlook, physical demands, and stress, in 2010, 2013, and 2015. In other years, it remained in the top 20. Becoming a fully credentialed actuary requires passing a rigorous series of professional examinations, usually taking several years. In some countries, such as Denmark, most study takes place in

2556-542: The actuarial profession has been reluctant to specify the pass marks for its examinations. To address concerns that there are pre-existing pass/fail quotas, a former chairman of the Board of Examiners of the Institute and Faculty of Actuaries stated: "Although students find it hard to believe, the Board of Examiners does not have fail quotas to achieve. Accordingly, pass rates are free to vary (and do). They are determined by

2627-405: The average family size was 3.01. In the city, the population was spread out, with 25.8% under the age of 18, 7.4% from 18 to 24, 25.4% from 25 to 44, 22.3% from 45 to 64, and 19.0% who were 65 years of age or older. The median age was 39 years. For every 100 females, there were 89.9 males. For every 100 females age 18 and over, there were 85.0 males. As of 2000 the median income for a household in

2698-411: The casualty side, this analysis often involves quantifying the probability of a loss event, called the frequency, and the size of that loss event, called the severity. The amount of time that occurs before the loss event is important, as the insurer will not have to pay anything until after the event has occurred. On the life side, the analysis often involves quantifying how much a potential sum of money or

2769-409: The city was $ 34,952, and the median income for a family was $ 42,860. Males had a median income of $ 29,507 versus $ 19,859 for females. The per capita income for the city was $ 16,969. About 6.3% of families and 9.3% of the population were below the poverty line , including 12.0% of those under age 18 and 7.7% of those age 65 or over. Nebraska City is known as "The Home of Arbor Day ". In Nebraska City

2840-590: The city was 47.3% male and 52.7% female. As of the census of 2000, there were 7,228 people, 2,898 households, and 1,872 families residing in the city. The population density was 1,633.6 inhabitants per square mile (630.7/km ). There were 3,154 housing units at an average density of 712.8 units per square mile (275.2 units/km ). The racial makeup of the city was 96.00% White , 0.37% African American , 0.30% Native American , 0.37% Asian , 0.07% Pacific Islander , 2.01% from other races , and 0.87% from two or more races. Hispanic or Latino of any race were 4.40% of

2911-446: The city was 91.5% White , 0.4% African American , 0.3% Native American , 0.7% Asian , 0.2% Pacific Islander , 5.3% from other races , and 1.6% from two or more races. Hispanic or Latino of any race were 10.9% of the population. There were 2,960 households, of which 30.7% had children under the age of 18 living with them, 46.1% were married couples living together, 11.6% had a female householder with no husband present, 5.3% had

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2982-579: The city. The commissioners are elected citywide; each has a specific departmental role. These roles are: Mayor-Commissioner of Public Affairs and Public Safety, Finance Commissioner, Parks and Recreation Commissioner, Public Works Commissioner, and Streets Commissioner. Current office holders are Mayor Bryan Bequette (through December 2024); Finance Commissioner Cole Sharp (December 2026); Parks and Recreation Commissioner Patrick Wehling (December 2024); Public Works Commissioner Ron Osovski (December 2024); and Streets Commissioner Joe Chaney (December 2026). The city

3053-414: The cost of financial liabilities that have already occurred, called retrospective reinsurance , or the development or re-pricing of new products. Actuaries also design and maintain products and systems. They are involved in financial reporting of companies' assets and liabilities. They must communicate complex concepts to clients who may not share their language or depth of knowledge. Actuaries work under

3124-448: The economic value of losses such as lost profits or lost wages. The basic requirements of communal interests gave rise to risk sharing since the dawn of civilization. For example, people who lived their entire lives in a camp had the risk of fire, which would leave their band or family without shelter. After barter came into existence, more complex risks emerged and new forms of risk manifested. Merchants embarking on trade journeys bore

3195-440: The event of the borrower's death or infirmity. Alternatively, people sometimes lived too long from a financial perspective, exhausting their savings, if any, or becoming a burden on others in the extended family or society. In the ancient world there was not always room for the sick, suffering, disabled, aged, or the poor—these were often not part of the cultural consciousness of societies. Early methods of protection, aside from

3266-518: The exams. Also, many companies that employ actuaries have automatic pay raises or promotions when exams are passed. As a result, actuarial students have strong incentives for devoting adequate study time during off-work hours. A common rule of thumb for exam students is that, for the Society of Actuaries examinations, roughly 400 hours of study time are necessary for each four-hour exam. Thus, thousands of hours of study time should be anticipated over several years, assuming no failures. Historically,

3337-537: The fathers of Nebraska City. Nebraska City and Kearney City were incorporated in 1855, and South Nebraska City was incorporated in 1856. During those years, Nebraska City competed fiercely to become the Nebraska Territory capital. On December 31, 1857, these three town sites along with Prairie City joined, incorporating as present-day Nebraska City. Before the American Civil War , Nebraska City

3408-470: The film an average grade of "B" on an A+ to F scale. Roger Ebert gave About Schmidt three-and-a-half out of four stars and wrote the following for the Chicago Sun-Times : About Schmidt "is essentially a portrait of a man without qualities, baffled by the emotions and needs of others. That Jack Nicholson makes this man so watchable is a tribute not only to his craft, but to his legend: Jack

3479-414: The formulation of corporate risk policy, and the setting up and running of corporate risk departments. Actuaries are also involved in other areas in the economic and financial field, such as analyzing securities offerings or market research . On both the life and casualty sides, the classical function of actuaries is to calculate premiums and reserves for insurance policies covering various risks. On

3550-549: The fund. Other early examples of mutual surety and assurance pacts can be traced back to various forms of fellowship within the Saxon clans of England and their Germanic forebears, and to Celtic society. Non-life insurance started as a hedge against loss of cargo during sea travel. Anecdotal reports of such guarantees occur in the writings of Demosthenes , who lived in the 4th century BCE. The earliest records of an official non-life insurance policy come from Sicily , where there

3621-584: The group that eventually became the Society for Equitable Assurances. It was he who specified that the chief official should be called an actuary . Previously, the use of the term had been restricted to an official who recorded the decisions, or acts , of ecclesiastical courts , in ancient times originally the secretary of the Roman senate , responsible for compiling the Acta Senatus . Other companies that did not originally use such mathematical and scientific methods most often failed or were forced to adopt

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3692-602: The implementation of strategies proposed for mitigating potential risks, does not exceed the expected cost of those risks actualized. The steps needed to become an actuary , including education and licensing, are specific to a given country, with various additional requirements applied by regional administrative units; however, almost all processes impart universal principles of risk assessment, statistical analysis, and risk mitigation, involving rigorously structured training and examination schedules, taking many years to complete. The profession has consistently been ranked as one of

3763-774: The insurance and reinsurance industries, either as staff employees or as consultants; to other businesses, including sponsors of pension plans; and to government agencies such as the Government Actuary's Department in the United Kingdom or the Social Security Administration in the United States of America. Actuaries assemble and analyze data to estimate the probability and likely cost of the occurrence of an event such as death, sickness, injury, disability, or loss of property. Actuaries also address financial questions, including those involving

3834-1732: The level of pension contributions required to produce a certain retirement income and the way in which a company should invest resources to maximize its return on investments in light of potential risk. Using their broad knowledge, actuaries help design and price insurance policies, pension plans, and other financial strategies in a manner that will help ensure that the plans are maintained on a sound financial basis. Most traditional actuarial disciplines fall into two main categories: life and non-life. Life actuaries, which includes health and pension actuaries, primarily deal with mortality risk, morbidity risk, and investment risk. Products prominent in their work include life insurance , annuities , pensions, short and long term disability insurance , health insurance, health savings accounts , and long-term care insurance. In addition to these risks, social insurance programs are influenced by public opinion, politics, budget constraints, changing demographics , and other factors such as medical technology , inflation , and cost of living considerations. Non-life actuaries, also known as "property and casualty" (mainly US) or "general insurance" (mainly UK) actuaries, deal with both physical and legal risks that affect people or their property. Products prominent in their work include auto insurance , homeowners insurance , commercial property insurance, workers' compensation , malpractice insurance, product liability insurance , marine insurance , terrorism insurance , and other types of liability insurance . Actuaries are also called upon for their expertise in enterprise risk management . This can involve dynamic financial analysis , stress testing ,

3905-420: The methods pioneered by Equitable. In the 18th and 19th centuries, computational complexity was limited to manual calculations. The calculations required to compute fair insurance premiums can be burdensome. The actuaries of that time developed methods to construct easily used tables, using arithmetical short-cuts called commutation functions , to facilitate timely, accurate, manual calculations of premiums. In

3976-529: The mid-19th century, professional bodies were founded to support and further both actuaries and actuarial science, and to protect the public interest by ensuring competency and ethical standards. Since calculations were cumbersome, actuarial shortcuts were commonplace. Non-life actuaries followed in the footsteps of their life compatriots in the early 20th century. In the United States, the 1920 revision to workers' compensation rates took over two months of around-the-clock work by day and night teams of actuaries. In

4047-420: The most desirable. In various studies in the United States, being an actuary was ranked first or second multiple times since 2010, and in the top 20 for most of the past decade. Actuaries use skills primarily in mathematics, particularly calculus -based probability and mathematical statistics , but also economics , computer science , finance, and business. For this reason, actuaries are essential to

4118-402: The most desirable. Actuaries work comparatively reasonable hours, in comfortable conditions, without the need for physical exertion that may lead to injury, are well paid, and the profession consistently has a good hiring outlook. Not only has the overall profession ranked highly, but it also is considered one of the best professions for women, and one of the best recession-proof professions. In

4189-529: The normal support of the extended family, involved charity; religious organizations or neighbors would collect for the destitute and needy. By the middle of the 3rd century, charitable operations in Rome supported 1,500 suffering people. Charitable protection remains an active form of support in the modern era, but receiving charity is uncertain and often accompanied by social stigma . Elementary mutual aid agreements and pensions did arise in antiquity. Early in

4260-459: The nude hot tub scene, Kathy Bates said she hashed out with director Payne exactly what part of her anatomy would be shown and what wouldn't. "I battled to make myself comfortable, and he battled to get what he wanted. We met in the middle." In the United States, the film grossed $ 8,533,162 on its opening weekend. Its total U.S. box office gross stands at $ 65,005,217, while total worldwide gross totals $ 107,054,484. About Schmidt drew praise from

4331-600: The plot of the novel, thus making it an adaptation. Filming began in March 2001 and took place in several Nebraska cities, including Omaha, Nebraska City , Minden , Kearney , and Lincoln . Omaha was chosen because it was where Payne grew up. At least one scene was filmed in Denver where Jack Nicholson's character is driving in front of the famous Ogden Theater located at 935 E Colfax. Filming concluded in May 2001. Before agreeing to

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4402-409: The population. There were 2,898 households, out of which 31.0% had children under the age of 18 living with them, 51.3% were married couples living together, 10.2% had a female householder with no husband present, and 35.4% were non-families. 30.7% of all households were made up of individuals, and 16.1% had someone living alone who was 65 years of age or older. The average household size was 2.40 and

4473-481: The post was vacated, John Boulware developed an important river-crossing and ferry service from Iowa to present-day Nebraska City. He and his father expanded their business and in 1852 or 1853 built a ferry house, the first residence in Nebraska City. In 1854 the Kansas–Nebraska Act allowed legal settlement in the regional area. Three townships were incorporated by settlers including Stephen Nuckolls , one of

4544-548: The quality of the candidates sitting the examination and in particular how well prepared they are. Fitness to pass is the criterion, not whether you can achieve a mark in the top 40% of candidates sitting." In 2000, the Casualty Actuarial Society (CAS) decided to start releasing pass marks for the exams it offers. The CAS's policy is also not to grade to specific pass ratios; the CAS board affirmed in 2001 that "the CAS shall use no predetermined pass ratio as

4615-422: The risk of losing goods entrusted to them, their own possessions, or even their lives. Intermediaries developed to warehouse and trade goods, which exposed them to financial risk . The primary providers in extended families or households ran the risk of premature death, disability or infirmity, which could leave their dependents to starve. Credit procurement was difficult if the creditor worried about repayment in

4686-473: The sky, taking it as a possible sign from Helen. Feeling full of purpose and energetic renewal, Schmidt arrives in Denver, where he stays at the home of Roberta, Randall's mother. He is appalled by his eccentric, odd, lower-middle-class family (compared to Schmidt's as an upper middle class corporate executive) and can't dissuade Jeannie from the marriage. Schmidt throws out his back after sleeping on Randall's waterbed, infuriating Jeannie. Roberta assures him that

4757-567: The three state area. Additional forms of transportation were important, including the steam wagon and the first locomotive engine of the Midland Pacific . J. Sterling Morton came to Nebraska City in 1855 to edit the Nebraska City News . Originally from Michigan , he and his wife Caroline were lovers of nature. Morton served as Secretary of Agriculture under President Grover Cleveland ’s administration and in 1872 he

4828-507: Was noted as having the Territory's largest population of slaves. Many worked on the riverfront as laborers, involved with moving freight and luggage associated with steamboat traffic. By the mid-19th century, steamboats on the Missouri River were the vitalizing force behind Nebraska City's growth, bringing commerce, people and freight to the west. In the spring of 1858 Russell, Majors and Waddell started freighting from Nebraska City on

4899-432: Was instrumental in establishing the annual tree planting day, Arbor Day . Governor Robert Furnas of Nebraska issued the first Arbor Day Proclamation on March 31, 1874. The holiday is celebrated around the world. Nebraska City has its own hospital, St Marys Hospital. As the county seat, it has the courthouse and associated county offices . Nebraska City is located on the western bank of the Missouri River . According to

4970-440: Was published. According to Payne, his script was about "an old guy who retires, and realizes how much he’s wasted his life, and wants somehow to start anew— The Graduate at age sixty-five." Payne’s original script was titled The Coward . Payne completed the script in 1991 and offered it to Universal Pictures , but the studio rejected it. Following the publication of Begley's novel in 1996, Payne decided to combine his script with

5041-508: Was released on DVD and VHS on June 3, 2003 by New Line Home Entertainment . It was released on Blu-ray for the first time on February 3, 2015. Actuary An actuary is a professional with advanced mathematical skills who deals with the measurement and management of risk and uncertainty. These risks can affect both sides of the balance sheet and require asset management , liability management, and valuation skills. Actuaries provide assessments of financial security systems, with

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