Accounting And Finance Quotes

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If you don't take good care of your credit, then your credit won't take good care of you.
Tyler Gregory
Net Income is more important than gross revenues.
Hendrith Vanlon Smith Jr.
There is much more to wealth than simply a bank account with many zeros. A well-balanced, whole life is made up of wealth and success that comes from many facets; family, friends, work, faith, it is the complete person who works on each of these areas and creates the whole,
Celso Cukierkorn (Secrets of Jewish Wealth Revealed!)
If repairing one's credit is as easy as sending some dispute letters to the credit bureaus then why doesn't everyone have good credit?
Tyler Gregory
Are you willing to accept anything less than the credit you want, the credit you need and the credit you deserve?
Tyler Gregory
A deep understanding of financial statements, accounting principles, and financial markets is crucial for overseeing the company's financial performance and making sound investment decisions.
Hendrith Vanlon Smith Jr. (Board Room Blitz: Mastering the Art of Corporate Governance)
It is easier to tell our therapist about our sex life than it is to tell our accountant about our finances.
Vicki Robin (Your Money or Your Life)
health, social life, job, house, partners, finances; leisure use, leisure amount; working time, education, income, children; food, water, shelter, clothing, sex, health care; mobility; physical safety, social safety, job security, savings account, insurance, disability protection, family leave, vacation; place tenure, a commons; access to wilderness, mountains, ocean; peace, political stability, political input, political satisfaction; air, water, esteem; status, recognition; home, community, neighbors, civil society, sports, the arts; longevity treatments, gender choice; the opportunity to become more what you are that's all you need
Kim Stanley Robinson (2312)
A man is not allowed to practise medicine unless he knows something of the human body, but a financier is allowed to operate freely without any knowledge at all of the multifarious effects of his activities, with the sole exception of the effect upon his bank account.
Bertrand Russell (In Praise of Idleness and Other Essays)
the polluters had triumphed by overturning the campaign-finance laws. “There was a huge change after Citizens United,” he contends. “When anyone could spend any amount of money without revealing who they were, by hiding behind amorphous-named organizations, the floodgates opened. The Supreme Court made a huge mistake. There is no accountability. Zero.
Jane Mayer (Dark Money: The Hidden History of the Billionaires Behind the Rise of the Radical Right)
Schools of business responded to popular demand for finance and creative accounting. The results are decline.
W. Edwards Deming (Out of the Crises)
And we all nodded at him: the man of finance, the man of accounts, the man of law, we all nodded at him over the polished table that like a still sheet of brown water reflected our faces, lined, wrinkled; our faces marked by toil, by deceptions, by success, by love; our weary eyes looking still, looking always, looking anxiously for something out of life, that while it is expected is already gone – has passed unseen, in a sigh, in a flash – together with the youth, with the strength, with the romance of illusions.
Joseph Conrad
If a woman makes a unilateral decision to bring pregnancy to term, and the biological father does not, and cannot, share in this decision, he should not be liable for 21 years of support... autonomous women making independent decisions about their lives should not expect men to finance their choice.
Karen Decrow
A policy of ‘naming and shaming’ is ineffective if everyone has been named and shamed.
John Kay (Other People's Money: The Real Business of Finance)
they just took the US government... they just changed the governance model by accounting policy to a fascist government
Catherine Austin Fitts
Companies should manage tax liabilities strategically to optimize financial resources, enhance profitability, and ensure compliance with tax laws. Effective tax management reduces the tax burden and allows companies to allocate more resources to core activities, ultimately improving their bottom line.
Hendrith Vanlon Smith Jr.
The [carried-interest] loophole was in essence an accounting trick that enabled hedge fund and private equity managers to categorize huge portions of their income as ‘interest,’ which was taxed at the 15 percent rate then applied to long-term capital gains. This was less than half the income tax rate paid by other top-bracket wage earners. Critics called the loophole a gigantic subsidy to millionaires and billionaires at the expense of ordinary taxpayers. The Economic Policy Institute, a progressive think tank, estimated that the hedge fund loophole cost the government over $6 billion a year—the cost of providing health care to three million children. Of that total, it said, almost $2 billion a year from the tax break went to just twenty-five individuals.
Jane Mayer (Dark Money: The Hidden History of the Billionaires Behind the Rise of the Radical Right)
Danny has demonstrated exceptional finance and accounting abilities and his accomplishments are impressive- especially considering his young age. His training has been invaluable. I am pleased to commend his excellence.
Rick Perry
By all that’s wonderful, it is the sea, I believe, the sea itself — or is it youth alone? Who can tell? But you here — you all had something out of life: money, love — whatever one gets on shore — and, tell me, wasn’t that the best time, that time when we were young at sea; young and had nothing, on the sea that gives nothing, except hard knocks — and sometimes a chance to feel your strength — that only — what you all regret?” And we all nodded at him: the man of finance, the man of accounts, the man of law, we all nodded at him over the polished table that like a still sheet of brown water reflected our faces, lined, wrinkled; our faces marked by toil, by deceptions, by success, by love; our weary eyes looking still, looking always, looking anxiously for something out of life, that while it is expected is already gone — has passed unseen, in a sigh, in a flash — together with the youth, with the strength, with the romance of illusions.
Joseph Conrad (Heart of Darkness)
I’ve learned that while the finance goals are important, they’re not the most important. Finance can hit all our objectives, and the company still can fail. After all, the best accounts receivables team on the planet can’t save us if we’re in the wrong market with the wrong product strategy with an R&D team that can’t deliver.
Gene Kim (The Phoenix Project: A Novel About IT, DevOps, and Helping Your Business Win)
Strategic tax management also enhances a company's competitiveness by enabling them to make informed financial decisions, attract investors, and adapt to changing tax regulations. It helps in minimizing financial risk and ensuring that the company's financial health remains strong, fostering long-term sustainability and growth.
Hendrith Vanlon Smith Jr.
Would you believe me if I told you that there’s an investment strategy that a seven-year-old could understand, will take you fifteen minutes of work per year, outperform 90 percent of finance professionals in the long run, and make you a millionaire over time?   Well, it is true, and here it is: Start by saving 15 percent of your salary at age 25 into a 401(k) plan, an IRA, or a taxable account (or all three). Put equal amounts of that 15 percent into just three different mutual funds:   A U.S. total stock market index fund An international total stock market index fund A U.S. total bond market index fund.   Over time, the three funds will grow at different rates, so once per year you’ll adjust their amounts so that they’re again equal. (That’s the fifteen minutes per year, assuming you’ve enrolled in an automatic savings plan.)   That’s it; if you can follow this simple recipe throughout your working career, you will almost certainly beat out most professional investors. More importantly, you’ll likely accumulate enough savings to retire comfortably.
William J. Bernstein (If You Can: How Millennials Can Get Rich Slowly)
Always account for each unit of passing time
Sunday Adelaja
Every unit of time that passes daily should be accounted for
Sunday Adelaja
Isn't it sad that we have to gain control of the artificial numbers placed upon us by others to regain some control of our lives?
Rick Gregory
Enough is not in the volume of money owned or size of one’s account. It is in the needs that can be consistently met without having to work for money anymore
Ola Barnabas
The Education IRA is the same thing as an ESA (Educational Savings Account). The ESA is basically buying a mutual fund and stamping it “ESA.” You must make less than $200,000 annually, married filing jointly. You can contribute up to $2,000 annually per child. You can have several ESAs, but the total of them can only be $2,000 annually per child. That money will grow completely tax free when used for higher education.
Dave Ramsey (The Money Answer Book: Quick Answers for Your Everyday Financial Questions (Answers to Over 100 of Your Questions on Personal Finance, Budgeting, Saving, ... How to Build Wealth) (Answer Book Series))
Then, in the late summer of 1790, Humboldt began to study finance and economics at the academy of trade in Hamburg. He hated it for it was all numbers and account books. In his spare time, Humboldt delved into scientific treatises and travel book, he learned Danish and Swedish - anything was better than his business studies. Whenever he could, he walked down to the River Elbe in Hamburg where he watched the large merchant vessels that brought tobacco, rice and indigo from the United States. The 'sight of the ships in the harbour', he told a friend, was what held him together - a symbol of his hopes and dreams. He couldn't wait to be finally the 'master of his own luck'.
Andrea Wulf (The Invention of Nature: Alexander von Humboldt's New World)
Companies should maintain accurate and timely financial records because it serves as the foundation for informed decision-making, ensures compliance with regulatory requirements, and enhances transparency, ultimately bolstering trust among stakeholders and facilitating long-term financial stability and growth. Without good records, businesses may risk financial mismanagement and uncertainty, hindering their ability to thrive in a competitive market.
Hendrith Vanlon Smith Jr. (Capital Acquisition: Small Business Considerations for How to Get Financing)
In fact, they are not taught in any university departments: the dynamics of debt, and how the pattern of bank lending inflates land prices, or national income accounting and the rising share absorbed by rent extraction in the Finance, Insurance and Real Estate (FIRE) sector. There was only one way to learn how to analyze these topics: to work for banks. Back in the 1960s there was barely a hint that these trends would become a great financial bubble.
Michael Hudson (Killing the Host: How Financial Parasites and Debt Bondage Destroy the Global Economy)
Lefever describes his financing plan with modesty: "'Our detailed budget is realistic, but does not take into account the inflation that may occur before September 1983. The one place it could cut or reduce is item 7, the simultaneous interpreter services, if these services could be provided gratis by the U.S. government.'" "In other words, the only way to make a saving on a U.S.-subsidized project is to take money out of another U.S.-subsidized column.
Christopher Hitchens
Be careful of your words. Man shall be held accountable for his lightest word. If you talk about substance in a negative way, your finances will be decreased, but if you talk about it in an appreciative, large way, you will be prospered.
Napoleon Hill (The Prosperity Bible: The Greatest Writings of All Time on the Secrets to Wealth and Prosperity)
In contrast to Ricardo’s expectation that banking would retain its early focus on international commerce — and hence,on industrial capital formation to provide foreign markets with British exports in exchange for raw materials — banking has found real estate to be the key, along with its traditional market in creating monopolies and trusts. Some 80% of bank loans in the United States and Britain are mortgages, and consequently they account for 70% of the economy’s interest payments.
Michael Hudson (The Bubble and Beyond)
And we all nodded at him: the man of finance, the man of accounts, the man of law, we all nodded at him over the polished table that like a still sheet of brown water reflected our faces, lined, wrinkled; our faces marked by toil, by deceptions, by success, by love; our weary eyes looking still, looking always, looking anxiously for something out of life, that while it is expected is already gone—has passed unseen, in a sigh, in a flash—together with the youth, with the strength, with the romance of illusions.
Joseph Conrad (Youth, a Narrative)
Fortunately, due to a terrible misunderstanding, I soon found myself working as a consultant to the World Bank. I am not exactly sure what it was that led the World Bank to believe I had any expertise in infrastructure finance. I had never even balanced a checkbook. I hadn’t even tried. There is not much reason to balance a checkbook when your checking account rarely tops the three-figure mark. And so, to the Third World countries who had the misfortune of working with me on their infrastructure projects, I wish to apologize.
J. Maarten Troost (The Sex Lives of Cannibals)
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The Marine Corps assumes maximum ignorance from its enlisted folks. It assumes that no one taught you anything about physical fitness, personal hygiene, or personal finances. I took mandatory classes about balancing a checkbook, saving, and investing. When I came home from boot camp with my fifteen-hundred-dollar earnings deposited in a mediocre regional bank, a senior enlisted marine drove me to Navy Federal—a respected credit union—and had me open an account. When I caught strep throat and tried to tough it out, my commanding officer noticed and ordered me to the doctor. We
J.D. Vance (Hillbilly Elegy: A Memoir of a Family and Culture in Crisis)
1. Project What is the project? Why is it unique? Why is the business needed? Why will customers love your product? 2. Partners Who are you? Who are the partners? What are your educational backgrounds? How much experience do you all have? How are you and your partners qualified to make the project a success? 3. Financing What is the total cost of the project? How much debt and how much equity is there? Are partners investing their own money? What is the investor’s return and reward for their risk? What are the tax consequences? Who is your CFO or accounting firm? Who is responsible for investor communications? What is the investor’s exit? 4. Management Who is running your company? What is their experience? What is their track record? Have they ever failed? How does their experience relate to your industry? Do you believe this is the strongest management team you can assemble? Can you pitch them with confidence?
Donald J. Trump
The truth is that others judge us. More than that, they evaluate the truth of the Gospel by what they see of our lives and our integrity. [We] must make every effort to be above all suspicion in the matter of finances and statistics. We are not only accountable to God’s people, but also to our Master (see Acts 24:16).
Billy Graham (Billy graham in quotes)
But for me all the East is contained in that vision of my youth. It is all in that moment when I opened my young eyes on it. I came upon it from a tussle with the sea—and I was young—and I saw it looking at me. And this is all that is left of it! Only a moment; a moment of strength, of romance, of glamour—of youth!... A flick of sunshine upon a strange shore, the time to remember, the time for a sigh, and—good-bye!—Night—Good-bye...!” He drank. “Ah! The good old time—the good old time. Youth and the sea. Glamour and the sea! The good, strong sea, the salt, bitter sea, that could whisper to you and roar at you and knock your breath out of you.” He drank again. “By all that’s wonderful, it is the sea, I believe, the sea itself—or is it youth alone? Who can tell? But you here—you all had something out of life: money, love—whatever one gets on shore—and, tell me, wasn’t that the best time, that time when we were young at sea; young and had nothing, on the sea that gives nothing, except hard knocks—and sometimes a chance to feel your strength—that only—what you all regret?” And we all nodded at him: the man of finance, the man of accounts, the man of law, we all nodded at him over the polished table that like a still sheet of brown water reflected our faces, lined, wrinkled; our faces marked by toil, by deceptions, by success, by love; our weary eyes looking still, looking always, looking anxiously for something out of life, that while it is expected is already gone—has passed unseen, in a sigh, in a flash—together with the youth, with the strength, with the romance of illusions.
Joseph Conrad (Youth, a Narrative)
Forget about earnings. That's a priesthood of the accounting profession," he would preach, unrelentingly. "What you're really after is appreciating assets. You want to own as much of that asset as you can; then you want to finance it as efficiently as possible." 6 And above all else, make sure that the deals you do avoid as much in taxes as is legally possible.
Mark Robichaux (Cable Cowboy: John Malone and the Rise of the Modern Cable Business)
How common is resource infidelity? One survey of a thousand individuals in New York City revealed that 40 percent of married women and 37 percent of married men had a secret bank account.12 A Harris survey found somewhat lower numbers, but nonetheless 31 percent admitted lying to their spouse about some aspect of finances—58 percent of those who did hid cash, 30 percent hid a bill, 15 percent hid a bank account, 11 percent lied about earnings, and another 11 percent lied about debt.13 Another study found that 80 percent of respondents admitted to hiding money from their spouse.14 Regardless of the exact numbers, which vary from study to study, sample to sample, and method to method, financial infidelity is clearly not uncommon.
David M. Buss (When Men Behave Badly: The Hidden Roots of Sexual Deception, Harassment, and Assault)
To honour his bills of exchange, Badoer had at least four accounts with local bankers in Constantinople, where banking was organised along the same lines as on the Rialto: a bank’s primary function was not to lend money, but to transfer the funds of its depositors, who personally presented themselves to authorise the transfer of money to creditor accounts in different cities.
Jane Gleeson-White (Double Entry: How the Merchants of Venice Created Modern Finance)
Phaethon asked: “Do you think there is something wrong with the Sophotechs? We are Manorials, father! We let Rhadamanthus control our finances and property, umpire our disputes, teach our children, design our thoughtscapes, and even play matchmaker to find us wives and husbands!” “Son, the Sophotechs may be sufficient to advise the Parliament on laws and rules. Laws are a matter of logic and common sense. Specially designed human-thinking versions, like Rhadamanthus, can tell us how to fulfill our desires and balance our account books. Those are questions of strategy, of efficient allocation of resources and time. But the Sophotechs, they cannot choose our desires for us. They cannot guide our culture, our values, our tastes. That is a question of the spirit.” “Then what would you have us do? Would you change our laws?” “Our mores, not our laws. There are many things which are repugnant, deadly to the spirit, and self-destructive, but which law should not forbid. Addiction, self-delusion, self-destruction, slander, perversion, love of ugliness. How can we discourage such things without the use of force? It was in response to this need that the College of Hortators evolved. Peacefully, by means of boycotts, public protests, denouncements, and shunnings, our society can maintain her sanity against the dangers to our spirit, to our humanity, to which such unboundried liberty, and such potent technology, exposes us.” (...) But Phaethon certainly did not want to hear a lecture, not today. “Why are you telling me all this? What is the point?” “Phaethon, I will let you pass through those doors, and, once through, you will have at your command all the powers and perquisites I myself possess. The point of my story is simple. The paradox of liberty of which you spoke before applies to our entire society. We cannot be free without being free to harm ourselves. Advances in technology can remove physical dangers from our lives, but, when they do, the spiritual dangers increase. By spiritual danger I mean a danger to your integrity, your decency, your sense of life. Against those dangers I warn you; you can be invulnerable, if you choose, because no spiritual danger can conquer you without your own consent. But, once they have your consent, those dangers are all-powerful, because no outside force can come to your aid. Spiritual dangers are always faced alone. It is for this reason that the Silver-Gray School was formed; it is for this reason that we practice the exercise of self-discipline. Once you pass those doors, my son, you will be one of us, and there will be nothing to restrain you from corruption and self-destruction except yourself. “You have a bright and fiery soul, Phaethon, a power to do great things; but I fear you may one day unleash such a tempest of fire that you may consume yourself, and all the world around you.
John C. Wright (The Golden Age (Golden Age, #1))
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The panic was blamed on many factors—tight money, Roosevelt’s Gridiron Club speech attacking the “malefactors of great wealth,” and excessive speculation in copper, mining, and railroad stocks. The immediate weakness arose from the recklessness of the trust companies. In the early 1900s, national and most state-chartered banks couldn’t take trust accounts (wills, estates, and so on) but directed customers to trusts. Traditionally, these had been synonymous with safe investment. By 1907, however, they had exploited enough legal loopholes to become highly speculative. To draw money for risky ventures, they paid exorbitant interest rates, and trust executives operated like stock market plungers. They loaned out so much against stocks and bonds that by October 1907 as much as half the bank loans in New York were backed by securities as collateral—an extremely shaky base for the system. The trusts also didn’t keep the high cash reserves of commercial banks and were vulnerable to sudden runs.
Ron Chernow (The House of Morgan: An American Banking Dynasty and the Rise of Modern Finance)
quite clear on questions of finance, and saw to a “t” how progress should be made towards communism, so that no violence should disturb that progress, and that in the due course of centuries all desire for personal property should be conquered and annihilated by a philanthropy so general as hardly to be accounted a virtue. In the meantime he could never contrive to pay his tailor’s bill regularly out of the allowance of £400 a year which his father made him, and was always dreaming of the comforts of a handsome income.
Anthony Trollope (Complete Works of Anthony Trollope)
Prinny has been an unpopular monarch for 250 years. He spent fortunes on palaces and parks at a time when England needed all the money it could raise to finance the Napoleonic War. Well, the Napoleonic War was followed by the Crimean War and the Boer War and the First World War and the Second World War and they're all long gone. The Pavilion at Brighton and Windsor Castle and Regent Street and Carlton House Terrace and Regent's Park and the Nash Terraces are all still here. Blessings on your far-sighted spendthrift head, Prinny.
Helene Hanff (Q's Legacy: A Delightful Account of a Lifelong Love Affair with Books)
Estimates suggest that $7.6 trillion of wealth is hidden in tax havens all over the world. The international finance sector acts as a 'circulation system for criminal money acquired through drug trafficking, terrorism, piracy, human trafficking, proliferation and tax evasion.' When we look at the international financial system, we don't find a free-market paradise. Instead, we find incredibly powerful institutions in both the public and private sector shaping the conditions faced by everyone else. Financial institutions 'dress themselves up in liberal trappings of the market, yet capture the old sovereignty of the state all the better to squeeze the social body to feed their own profits.' Yet all this power is held without any democratic accountability. Politicians, technocrats, and financiers work together to decide everything from the interest rates we pay on our loans to who gets what when a state files for bankruptcy. If everyone had a say in determining how these rules were made and enforced, rather than just a privileged few, we'd live in a very different world.
Grace Blakeley (Vulture Capitalism: Corporate Crimes, Backdoor Bailouts, and the Death of Freedom)
For centuries, it wasn’t government that kept the best records; merchants did. They were the ones who refined methods of accounting, bookkeeping, costs, and incomes, and they were at the core of the development of banking and notes of credit that are the precursors to all contemporary finance. Rulers, however, needed and coveted the revenue that merchants generated. Hence the evolution of the mercantile system, which saw various empires attempt to monopolize trade with their far-flung colonies and keep out foreign powers and foreign merchants.
Zachary Karabell (The Leading Indicators: A Short History of the Numbers That Rule Our World)
It takes an army to make a movie. Camera crews, lighting crews, wardrobe crews, makeup crews, hair crews, painters, builders (called grips), a crew to provide the props, a crew to provide the furnishings (the art department), electricians, special-effects people, stunt performers, stand-ins, the accountant, scheduling and finance (called the unit production manager), catering and someone to provide snacks and drinks (called craft service), and the team of walkie-talkie-armed Gestapo that police the second-by-second momentum of shooting: the assistant director staff.
Rob Lowe (Stories I Only Tell My Friends)
To mark its global centrality, the French sculptor Frédéric-Auguste Bartholdi asked the Egyptian government to let him build a ninety-foot statue of an Arab peasant woman wearing robes and holding a torch above her head to welcome Eastern travelers to the Mediterranean. When Egypt declined on account of the project’s high cost, he took the idea to France, which financed the sculpture. Once the Muslim woman was refashioned into a Roman goddess, France gifted the statue to the United States, where the woman became a symbol of liberty for immigrants entering New York Harbor.
Daniel Stone (The Food Explorer: The True Adventures of the Globe-Trotting Botanist Who Transformed What America Eats)
If you run a bakery, you need a baker, a shop assistant to sell the cakes, and someone to oversee the finances. Would you employ the same person to do all three jobs? Of course not. Your financial wizard may know nothing about baking, but he will keep your accounts in perfect order. Your shop assistant may know nothing about finances, but he understands how to treat his customers. Each brings a unique skill to his job. In the same way, you may know enough about each set of skills to be able to manage a team of people, but you aren’t necessarily the best person to actually do the baking, even if you have a rough knowledge of it.
Andrea Plos (Sources of Wealth)
Thaler recounts an amusing real-life example of mental accounting.15 A professor of finance he knows has a clever strategy to help him deal with minor misfortunes. At the beginning of the year, the professor plans for a generous donation to his favorite charity. Anything untoward that happens in the course of the year—a speeding ticket, replacing a lost possession, an unwanted touch by an impecunious relative—is then charged to the charity account. The system makes the losses painless, because the charity does the paying. The charity receives whatever is left over in the account. Thaler has nominated his friend as the world’s first Certified Mental Accountant.
Peter L. Bernstein (Against the Gods: The Remarkable Story of Risk)
Here are my simple rules for identifying market tops and bottoms: 1. Market tops are relatively easy to recognize. Buyers generally become overconfident and almost always believe “this time is different.” It’s usually not. 2. There’s always a surplus of relatively cheap debt capital to finance acquisitions and investments in a hot market. In some cases, lenders won’t even charge cash interest, and they often relax or suspend typical loan restrictions as well. Leverage levels escalate compared to historical averages, with borrowing sometimes reaching as high as ten times or more compared to equity. Buyers will start accepting overoptimistic accounting adjustments and financial forecasts to justify taking on high levels of debt. Unfortunately most of these forecasts tend not to materialize once the economy starts decelerating or declining. 3. Another indicator that a market is peaking is the number of people you know who start getting rich. The number of investors claiming outperformance grows with the market. Loose credit conditions and a rising tide can make it easy for individuals without any particular strategy or process to make money “accidentally.” But making money in strong markets can be short-lived. Smart investors perform well through a combination of self-discipline and sound risk assessment, even when market conditions reverse.
Stephen A. Schwarzman (What It Takes: Lessons in the Pursuit of Excellence)
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Data sliced sufficiently finely begin once again to tell stories. The top 1 percent of the income distribution—representing household incomes in excess of roughly $475,000—comprises only about 1.5 million households. If one adds up the numbers of vice presidents or above at S&P 1500 companies (perhaps 250,000), professionals in the finance sector, including in hedge funds, venture capital, private equity, investment banking, and mutual funds (perhaps 250,000), professionals working at the top five management consultancies (roughly 60,000), partners at law firms whose profits per partner exceed $400,000 (roughly 25,000), and specialist doctors (roughly 500,000), this yields perhaps 1 million people. These are surely not all one-percenters, but they are all plausibly parts of the top 1 percent, and this group might comprise half—a sizable share—of 1 percent households overall. At the very least, the people in these known and named jobs constitute a material, rather than just marginal or eccentric, part of the top 1 percent of the income distribution. They are also, of course, the people depicted in journalistic accounts of extreme jobs—the people who regularly cancel vacation plans, spend most of their time on the road, live in unfurnished luxury apartments, and generally subsume themselves in work, encountering their personal lives only occasionally, and as strangers.
Daniel Markovits (The Meritocracy Trap: How America's Foundational Myth Feeds Inequality, Dismantles the Middle Class, and Devours the Elite)
Let me tell you what my role is, as a death doula,” I say, leaning forward. “I’m here to assist you and make sure your needs are met right now. I can help you with anything that’s left undone—I can work with you to plan a funeral; I can help you organize your will or your finances; I can clean your garage if the clutter is driving you crazy. I can comb through a storage facility if there’s a picture in there of your grandmother you really want to see. I can take you to see an opera one more time, or read Fifty Shades of Grey out loud to you. I can organize your social media accounts so that your friends know you’ve died, when the time comes. I can help move you outside, so you can watch the birds.” I
Jodi Picoult (The Book of Two Ways)
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Hillary trotted out her favorite image of a three-legged stool that upholds stable societies: “a responsive, accountable government; an energetic, effective private sector economy; and then civil society, which represents everything else that happens in the space between the government and the economy, that holds the values, that represents the aspirations.” This “stool” is actually the image of the bland governance of a corporate society: a government responsive to the demands of finance capital, a capitalist economy, and private, unelected and well-funded organizations that will determine “our values”. Note what is missing: a vigorous political life, scrupulously independent media, and an education system that prepares intellectually alert and critical citizens.
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I have known its fascination since: I have seen the mysterious shores, the still water, the lands of brown nations, where a stealthy Nemesis lies in wait, pursues, overtakes so many of the conquering race, who are proud of their wisdom, of their knowledge, of their strength. But for me all the East is contained in that vision of my youth. It is all in that moment when I opened my young eyes on it. I came upon it from a tussle with the sea—and I was young—and I saw it looking at me. And this is all that is left of it! Only a moment; a moment of strength, of romance, of glamour—of youth!... A flick of sunshine upon a strange shore, the time to remember, the time for a sigh, and—good-bye!—Night—Good-bye...!” He drank. “Ah! The good old time—the good old time. Youth and the sea. Glamour and the sea! The good, strong sea, the salt, bitter sea, that could whisper to you and roar at you and knock your breath out of you.” He drank again. “By all that’s wonderful, it is the sea, I believe, the sea itself—or is it youth alone? Who can tell? But you here—you all had something out of life: money, love—whatever one gets on shore—and, tell me, wasn’t that the best time, that time when we were young at sea; young and had nothing, on the sea that gives nothing, except hard knocks—and sometimes a chance to feel your strength—that only—what you all regret?” And we all nodded at him: the man of finance, the man of accounts, the man of law, we all nodded at him over the polished table that like a still sheet of brown water reflected our faces, lined, wrinkled; our faces marked by toil, by deceptions, by success, by love; our weary eyes looking still, looking always, looking anxiously for something out of life, that while it is expected is already gone—has passed unseen, in a sigh, in a flash—together with the youth, with the strength, with the romance of illusions.
Joseph Conrad (Youth, a Narrative)
The global centre of power shifted to Europe only between 1750 and 1850, when Europeans humiliated the Asian powers in a series of wars and conquered large parts of Asia. By 1900 Europeans firmly controlled the world’s economy and most of its territory. In 1950 western Europe and the United States together accounted for more than half of global production, whereas China’s portion had been reduced to 5 per cent.5 Under the European aegis a new global order and global culture emerged. Today all humans are, to a much greater extent than they usually want to admit, European in dress, thought and taste. They may be fiercely anti-European in their rhetoric, but almost everyone on the planet views politics, medicine, war and economics through European eyes, and listens to music written in European modes with words in European languages. Even today’s burgeoning Chinese economy, which may soon regain its global primacy, is built on a European model of production and finance.
Yuval Noah Harari (Sapiens: A Brief History of Humankind)
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Michael J. Casey (The Truth Machine: The Blockchain and the Future of Everything)
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Joe Nocera (A Piece of the Action: How the Middle Class Joined the Money Class)
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Michael E. Gerber (The E-Myth Revisited: Why Most Small Businesses Don't Work and What to Do About It)
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Laurence Bergreen (Marco Polo)
There is an even starker contrast between the two groups of countries when one compares their contributions to growth in global debt versus growth in global GDP. Emerging markets contribute far more to growth in global GDP than to the growth in global public debt. These economies accounted for 14 percent of the increase in global debt levels from 2007 to 2012. In contrast, their contribution to the increase in global GDP over this period was 70 percent. The numbers are equally stark when one examines forecasts for the subsequent five years. From 2012 to 2017, emerging markets are expected to account for about three-fifths of global GDP growth but less than one-fifth of global public debt accumulation. In other words, emerging markets are adding substantially to global GDP, whereas advanced economies are mainly adding to global public debt (see Figure A-3 in the Appendix for details). The U.S. and Japan are certainly heavy hitters when it comes to debt accumulation. These two economies are making a far greater contribution to the rise in global debt than to the rise in global GDP. The U.S. contributed 38 percent of the increase in global debt from 2007 to 2012 and is expected to account for nearly half of the anticipated increase from 2012 to 2017. Its contributions to the increases in global GDP over those two periods are 12 percent and 23 percent, respectively. Japan accounted for 25 percent of the increase in debt from 2007 to 2012 and is expected to add 9 percent from 2012 to 2017, whereas its contributions to the increase in global GDP are far more modest. One
Eswar S. Prasad (The Dollar Trap: How the U.S. Dollar Tightened Its Grip on Global Finance)
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Buy Verified Bluebird Accounts for Easy Money Management Looking for a smarter way to manage your money? A verified Bluebird account could be the solution you've been searching for. It simplifies your financial transactions while eliminating the hassles of traditional banking. With secure online shopping, easy money transfers, and advanced account protection, a verified Bluebird account ensures your finances are both convenient and safe. Whether you're purchasing online or sending money to loved ones, every transaction is seamless and stress-free. Plus, verified accounts add an extra layer of security and authenticity, so you can manage your finances with confidence while enjoying the flexibility you deserve. If You want to more information just contact now 24 Hours Reply/ Contact : – ⇨▰ Telegram: @accsells1 ⇨▰ WhatsApp: ‪‪+1 (814) 403–6336‬‬ ⇨▰ E-mail: infoaccsells0@gmail.com Getting started is quick and simple. Trusted options are readily available online, making it easy to find a verified Bluebird account tailored to your needs. Whether you're exploring digital banking for the first time or upgrading your current solution, a verified Bluebird account is a smart, secure choice for a streamlined financial experience. So, what are you waiting for? Say goodbye to the hassle of traditional banking and hello to a smarter way to manage your money with a verified Bluebird account! With features like secure online shopping, easy money transfers, and advanced account protection, you can rest assured that your finances are in good hands. Plus, with trusted options readily available online, it's never been easier to get started. Don't miss out on the convenience and security of a verified Bluebird account - upgrade now for a stress-free financial future. So go ahead and experience the peace of mind that comes with managing your money through a verified Bluebird account today! Your wallet (and sanity) will thank you. Happy What is a Bluebird account? Bluebird, a prepaid debit card from American Express and Walmart, offers financial flexibility without the need for a traditional bank account. With Bluebird, adding funds is simple - you can use direct deposit, cash at participating retailers, or other convenient methods. This makes it an excellent choice for those without access to traditional banking services. It functions just like a regular debit card, letting you shop online or in-store effortlessly. Plus, with features like mobile check deposits, bill payment options, and no monthly fees, it's both budget-friendly and practical. Whether you're looking for an easy way to manage your spending or want straightforward budgeting tools, Bluebird is a smart and efficient choice. You can track your spending, set up alerts for account balance and transaction updates, and even create sub-accounts for family members or friends. If You want to more information just contact now 24 Hours Reply/ Contact : – ⇨▰ Telegram: @accsells1 ⇨▰ WhatsApp: ‪‪+1 (814) 403–6336‬‬ ⇨▰ E-mail: infoaccsells0@gmail.com In addition to its financial flexibility and convenience, Bluebird also offers added security features for peace of mind. With fraud protection, you are covered in case of unauthorized charges on your card. Plus, the use of a PIN number ensures that only you have access to your funds.
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11 Best Places to Buy Verified PayPal Accounts A Step-By-Step Guide In today’s digital landscape, having a verified PayPal account can open the doors to countless opportunities. Whether you're running an online business or simply looking for a safe way to send and receive money, PayPal has established itself as one of the most trusted platforms out there. But what if you don’t have the time or patience to go through the lengthy verification process? That’s where buying verified PayPal accounts comes into play. ☑ Fast Delivery ☑ High-Quality Service. ☑ Full Completed Profiles. ☑ 24/7 Customer Suppor. ➤➤Whatsapp:+1 (828) 851-7012 ➤➤Telegram:@Seoitshop ➤➤Email:Seoitshop@gmail.com Imagine skipping all those tedious steps while still enjoying all the perks of a fully functional account. Sounds appealing, right? However, navigating this market can be tricky. With many options available, how do you know which ones are legitimate and offer real value? This guide will not only explore why purchasing these accounts might be beneficial but also provide insights into where and how you can buy them safely. Get ready to dive in! Why Buying a Verified PayPal Account is Beneficial Buying a verified PayPal account can open up a world of opportunities for online transactions. With this type of account, you gain access to higher transaction limits and instant withdrawals, making it easier to manage your finances. A verified status adds an extra layer of trust when dealing with vendors or clients. It enhances your credibility and reassures others that you're operating within the guidelines set by PayPal. Additionally, having a verified account often means fewer restrictions on payments. This allows for smoother business operations without the hassle of holds or limitations on funds. ☑ Fast Delivery ☑ High-Quality Service. ☑ Full Completed Profiles. ☑ 24/7 Customer Suppor. ➤➤Whatsapp:+1 (828) 851-7012 ➤➤Telegram:@Seoitshop ➤➤Email:Seoitshop@gmail.com For freelancers and entrepreneurs, a verified PayPal account is essential for receiving payments promptly. Speedy transactions can make all the difference in maintaining good relationships with clients. In today’s digital economy, buying such an account could be a strategic move to elevate your online presence and boost financial flexibility. Factors to Consider When Buying a Verified PayPal Account When considering the purchase of a verified PayPal account, several factors come into play. First, verify the seller's credibility. Research online reviews and ratings to gauge their reputation. Next, assess the account's age and transaction history. Older accounts with a solid track record are often less risky than newer ones. Security is paramount. Ensure that two-factor authentication is enabled and check for any past issues related to fraud or disputes. Pricing also matters. Compare prices across different platforms but be wary of deals that seem too good to be true; they often are. Understand your intended use for the account. Different purposes may require unique features or limits on transactions, so choose wisely based on your needs and goals. Top 11 Places to Buy Verified PayPal Accounts When looking to buy verified PayPal accounts, the right platform can make all the difference. Here are 11 standout places that cater to this niche. First up is **Account Marketplace**, known for its straightforward interface and user-friendly policies. Buyers appreciate their extensive verification processes. Next, check out **Buy Verified Accounts**. They offer a variety of account types with clear descriptions, making it easy for you to find what fits your needs.
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The Seventh Central Pay Commission was appointed in February 2014 by the Government of India (Ministry of Finance) under the Chairmanship of Justice Ashok Kumar Mathur. The Commission has been given 18 months to make its recommendations. The terms of reference of the Commission are as follows:  1. To examine, review, evolve and recommend changes that are desirable and feasible regarding the principles that should govern the emoluments structure including pay, allowances and other facilities/benefits, in cash or kind, having regard to rationalisation and simplification therein as well as the specialised needs of various departments, agencies and services, in respect of the following categories of employees:-  (i) Central Government employees—industrial and non-industrial; (ii) Personnel belonging to the All India Services; (iii) Personnel of the Union Territories; (iv) Officers and employees of the Indian Audit and Accounts Department; (v) Members of the regulatory bodies (excluding the RBI) set up under the Acts of Parliament; and (vi) Officers and employees of the Supreme Court.   2. To examine, review, evolve and recommend changes that are desirable and feasible regarding the principles that should govern the emoluments structure, concessions and facilities/benefits, in cash or kind, as well as the retirement benefits of the personnel belonging to the Defence Forces, having regard to the historical and traditional parties, with due emphasis on the aspects unique to these personnel.   3. To work out the framework for an emoluments structure linked with the need to attract the most suitable talent to government service, promote efficiency, accountability and responsibility in the work culture, and foster excellence in the public governance system to respond to the complex challenges of modern administration and the rapid political, social, economic and technological changes, with due regard to expectations of stakeholders, and to recommend appropriate training and capacity building through a competency based framework.   4. To examine the existing schemes of payment of bonus, keeping in view, inter-alia, its bearing upon performance and productivity and make recommendations on the general principles, financial parameters and conditions for an appropriate incentive scheme to reward excellence in productivity, performance and integrity.   5. To review the variety of existing allowances presently available to employees in addition to pay and suggest their rationalisation and simplification with a view to ensuring that the pay structure is so designed as to take these into account.   6. To examine the principles which should govern the structure of pension and other retirement benefits, including revision of pension in the case of employees who have retired prior to the date of effect of these recommendations, keeping in view that retirement benefits of all Central Government employees appointed on and after 01.01.2004 are covered by the New Pension Scheme (NPS).   7. To make recommendations on the above, keeping in view:  (i) the economic conditions in the country and the need for fiscal prudence; (ii) the need to ensure that adequate resources are available for developmental expenditures and welfare measures; (iii) the likely impact of the recommendations on the finances of the state governments, which usually adopt the recommendations with some modifications; (iv) the prevailing emolument structure and retirement benefits available to employees of Central Public Sector Undertakings; and (v) the best global practices and their adaptability and relevance in Indian conditions.   8. To recommend the date of effect of its recommendations on all the above.
M. Laxmikanth (Governance in India)
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How to Buy Verified Cash App Accounts: A Complete Guide Trusted and verified payment platform is essential. That's where Cash App comes in. But what exactly is a verified Cash App account, and why should you consider purchasing one? In this blog post, we'll explore the benefits of buy verified cash app accounts and where you can find the best deals online. So, if you're ready to take your financial transactions to the next level, read on! What is Cash App? Cash App, launched by Square Inc. in 2013, is a mobile payment service that allows users to transfer money to one another using a mobile app. Over the years, it has grown in popularity due to its ease of use, fast transactions, and additional features like the Cash Card, direct deposits, and Bitcoin trading. ▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣ If You want to more information just contact now 24 Hours Reply/ Contact : – ↪ Telegram: @accsells1 ↪ WhatsApp: ‪‪+1 (814) 403–6336‬‬ ↪ E-mail: infoaccsells0@gmail.com ▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣ Key Features of Cash App: Peer-to-Peer Payments Direct Deposits Bitcoin Trading Stock Investments Cash Card (a customizable debit card) What Is Verified Cash App Account? When you sign up for Cash App, your account starts off as unverified. However, you can upgrade to a verified status by providing certain personal information such as your name, date of birth, and the last four digits of your Social Security number. This verification process helps ensure that you are a real person with legitimate intentions. Once your Cash App account is verified, you gain access to additional features and benefits. You can send and receive larger amounts of money, enabling more substantial financial transactions with ease. Verified accounts also enjoy increased protection against fraud and unauthorised activity. Having a verified Cash App account allows you to link your bank accounts or credit cards securely. This makes transferring funds between different payment sources seamless and efficient. ▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣ If You want to more information just contact now 24 Hours Reply/ Contact : – ↪ Telegram: @accsells1 ↪ WhatsApp: ‪‪+1 (814) 403–6336‬‬ ↪ E-mail: infoaccsells0@gmail.com ▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣ To these perks, having a verified Cash App account opens the door to buying Bitcoin (BTC). With BTC enabled on your account, you can easily invest in this popular cryptocurrency directly within the app. Buy Verified Cash App Account Why Buy Verified Cash App Account? Enhanced Transaction Limits A verified Cash App account significantly increases your transaction limits. Unverified accounts are limited in how much money they can send and receive, which can be a hindrance for those who use the app for business or high-volume transactions. Verification removes these limits, allowing for larger and more frequent transactions. Access to Additional Features Verification opens up a host of additional features, such as the ability to use Cash App's Cash Card and access Bitcoin trading and stock investments. These features can be particularly useful for those looking to manage their finances more effectively or explore investment opportunities directly from the app. Increased Security Security is a paramount concern when dealing with financial transactions. A verified Cash App account offers enhanced security features, ensuring your transactions and personal information are better protected. This can provide peace of mind, especially for those who frequently use the app for significant transactions. Buy BTC Enable Cash app Accounts ▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣ If You want to more information just contact now 24 Hours Reply/ Contact : – ↪ Telegram: @accsells1 ↪ WhatsApp: ‪‪+1 (814) 403–6336‬‬ ↪ E-mail: infoaccsells0@gmail.com ▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣▣
How to Buy Verified Cash App Accounts: A Complete Guide
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