Alternative Investment Quotes

There is no safe investment. To love at all is to be vulnerable. Love anything, and your heart will certainly be wrung and possibly be broken. If you want to make sure of keeping it intact, you must give your heart to no one, not even to an animal. Wrap it carefully round with hobbies and little luxuries; avoid all entanglements; lock it up safe in the casket or coffin of your selfishness. But in that casket – safe, dark, motionless, airless – it will change. It will not be broken; it will become unbreakable, impenetrable, irredeemable. The alternative to tragedy, or at least to the risk of tragedy, is damnation. The only place outside Heaven where you can be perfectly safe from all the dangers and perturbations of love is Hell.

To truly appreciate something, you must confine yourself to it. There’s a certain level of joy and meaning that you reach in life only when you’ve spent decades investing in a single relationship, a single craft, a single career. And you cannot achieve those decades of investment without rejecting the alternatives.

one cannot judge a performance in any given field (war, politics, medicine, investments) by the results, but by the costs of the alternative (i.e., if history played out in a different way).

So I am going to propose an alternative form of sexual culture – one that recognises other human beings as real people, invested with real value and dignity. It’s time for a sexual counter-revolution.

Capitalism is what happens when people drop their time preference, defer immediate gratification, and invest in the future. Debt‐fueled mass consumption is as much a normal part of capitalism as asphyxiation is a normal part of respiration.

So one way to create an attractive risk/reward situation is to limit downside risk severely by investing in situations that have a large margin of safety. The upside, while still difficult to quantify, will usually take care of itself. In other words, look down, not up, when making your initial investment decision. If you don’t lose money, most of the remaining alternatives are good ones.

Sound money allows people to think about the long term and to save and invest more for the future. Saving and investing for the long run are the key to capital accumulation and the advance of human civilization.

By investing in anonymous cryptocurrencies, you are buying 'insurance' against a recession, as the value of the cryptocurrency could increase significantly if the economy falters and the black market grows.

Basically, CEOs have five essential choices for deploying capital—investing in existing operations, acquiring other businesses, issuing dividends, paying down debt, or repurchasing stock—and three alternatives for raising it—tapping internal cash flow, issuing debt, or raising equity. Think of these options collectively as a tool kit. Over the long term, returns for shareholders will be determined largely by the decisions a CEO makes in choosing which tools to use (and which to avoid) among these various options. Stated simply, two companies with identical operating results and different approaches to allocating capital will derive two very different long-term outcomes for shareholders.

The most realistic distinction between the investor and the speculator is found in their attitude toward stock-market movements. The speculator’s primary interest lies in anticipating and profiting from market fluctuations. The investor’s primary interest lies in acquiring and holding suitable securities at suitable prices. Market movements are important to him in a practical sense, because they alternately create low price levels at which he would be wise to buy and high price levels at which he certainly should refrain from buying and probably would be wise to sell. It is far from certain that the typical investor should regularly hold off buying until low market levels appear, because this may involve a long wait, very likely the loss of income, and the possible missing of investment opportunities. On the whole it may be better for the investor to do his stock buying whenever he has money to put in stocks, except when the general market level is much higher than can be justified by well-established standards of value. If he wants to be shrewd he can look for the ever-present bargain opportunities in individual securities. Aside from forecasting the movements of the general market, much effort and ability are directed on Wall Street toward selecting stocks or industrial groups that in matter of price will “do better” than the rest over a fairly short period in the future. Logical as this endeavor may seem, we do not believe it is suited to the needs or temperament of the true investor—particularly since he would be competing with a large number of stock-market traders and first-class financial analysts who are trying to do the same thing. As in all other activities that emphasize price movements first and underlying values second, the work of many intelligent minds constantly engaged in this field tends to be self-neutralizing and self-defeating over the years. The investor with a portfolio of sound stocks should expect their prices to fluctuate and should neither be concerned by sizable declines nor become excited by sizable advances. He should always remember that market quotations are there for his convenience, either to be taken advantage of or to be ignored. He should never buy a stock because it has gone up or sell one because it has gone down. He would not be far wrong if this motto read more simply: “Never buy a stock immediately after a substantial rise or sell one immediately after a substantial drop.” An

Few people will campaign for an alternative vision of black holes or magnetic inversion, but we know from experience that about soils, vaccines, earthworms, bears, wolves, neurotransmitters, mushrooms, water circulation, or the composition of air, the smallest study will immediately be plunged into a full-scale battle of interpretations. The Critical Zone is not a classroom; the relationship between researchers and the public is anything but purely pedagogical. If we still had any doubts on this point, the pseudocontroversy over the climate suffices to dispel them. There is no evidence that any major corporation has spent a penny to produce ignorance about the detection of the Higgs boson. But denying the climatic mutation is another matter entirely: financing floods in. Ignorance on the part of the public is such a precious commodity that it justifies immense investments.

What Hunter Biden, the son of America’s vice president, and Christopher Heinz, the stepson of the chairman of the Senate Committee on Foreign Relations (later to be secretary of state) were creating was an international private equity firm. It was anchored by the Heinz family alternative investment fund, Rosemont Capital.

write these pages, Japan and the U.S. are still practicing widespread selective denial of major problems. Japan currently acknowledges some problems (its large government debt and aging population), and incompletely acknowledges the issue of Japanese women’s role. But Japan still denies other problems: its lack of accepted alternatives to immigration for solving its demographic difficulties; the historical causes of Japan’s tense relations with China and Korea; and denial that Japan’s traditional policy of seeking to grab overseas natural resources rather than to help manage them sustainably is now outdated. The U.S., as I write, is still in widespread denial of our own major problems: political polarization, low voter turnout, obstacles to voter registration, inequality, limited socio-economic mobility, and decreasing government investment in public goods.

stability of the capitalist system is shaken by the alternation of attempts to stop economic progress in order to protect old investments and tremendous collapses when those attempts fail.

The democratic nations that have introduced freedom into their political constitution at the very time when they were augmenting the despotism of their administrative constitution have been led into strange paradoxes. To manage those minor affairs in which good sense is all that is wanted, the people are held to be unequal to the task; but when the government of the country is at stake, the people are invested with immense powers; they are alternately made the play things of their ruler, and his masters, more than kings and less than men. After having exhausted all the different modes of election without finding one to suit their purpose, they are still amazed and still bent on seeking further; as if the evil they notice did not originate in the constitution of the country far more than in that of the electoral body.

Whatever you’re not changing, you’re choosing.” By not quitting that job, by not leaving that relationship, by not making that investment, by not standing up for what we believe in - we’re choosing the alternate path.

For Mises, the absence of control by government is a necessary condition for the soundness of money, seeing as government will have the temptation to debase its money whenever it begins to accrue wealth as savers invest in it.

The problem with fiat is that simply maintaining the wealth you already own requires significant active management and expert decision-making. You need to develop expertise in portfolio allocation, risk management, stock and bond valuation, real estate markets, credit markets, global macro trends, national and international monetary policy, commodity markets, geopolitics, and many other arcane and highly specialized fields in order to make informed investment decisions that allow you to maintain the wealth you already earned. You effectively need to earn your money twice with fiat, once when you work for it, and once when you invest it to beat inflation. The simple gold coin saved you from all of this before fiat.

When foreign military spending [bombing Korea and Vietnam] forced the U.S. balance of payments into deficit and drove the United States off gold in 1971, central banks were left without the traditional asset used to settle payments imbalances. The alternative by default was to invest their subsequent payments inflows in U.S. Treasury bonds, as if these still were “as good as gold.” Central banks have been holding some $4 trillion of these bonds in their international reserves for the past few years — and these loans have financed most of the U.S. Government’s domestic budget deficits for over three decades. Given the fact that about half of U.S. Government discretionary spending is for military operations — including more than 750 foreign military bases and increasingly expensive operations in the oil-producing and transporting countries — the international financial system is organized in a way that finances the Pentagon, along with U.S. buyouts of foreign assets expected to yield much more than the Treasury bonds that foreign central banks hold.

Basically, CEOs have five essential choices for deploying capital—investing in existing operations, acquiring other businesses, issuing dividends, paying down debt, or repurchasing stock—and three alternatives for raising it—tapping internal cash flow, issuing debt, or raising equity.

We hold a single interpretation of the world around us at any one time, and we normally invest little effort in generating plausible alternatives to it. One interpretation is enough, and we experience it as true. We do not go through life imagining alternative ways of seeing what we see.

Our society considers a man careless if he does not have a backup plan or an alternative escape route, if he has not diversified his investments, if he has put all his eggs in the same basket, or if he has burned bridges behind him. Yet this is the very thing that the man who receives Jesus Christ must do.

A world of constant money supply would be one similar to that of much of the eighteenth and nineteenth centuries, marked by the successful flowering of the Industrial Revolution with increased capital investment increasing the supply of goods and with falling prices for those goods as well as falling costs of production.

Country Future Index. It’s an alternative to the GNP measurement, taking into account debt, political stability, environmental health and the like. A useful cross-check on the GNP, and it helps tag countries that could use our help. We identify those, go to them and offer them a massive capital investment, plus political advice, security, whatever they need. In return we take custody of their bioinfrastructure.

Well, our economic system "works," it just works in the interests of the masters, and I'd like to see one that works in the interests of the general population. And that will only happen when they are the "principal architects" of policy, to borrow Adam Smith's phrase. I mean, as long as power is narrowly concentrated, whether in the economic or the political system, you know who's going to benefit from the policies―you don't have to be a genius to figure that out. That's why democracy would be a good thing for the general public. But of course, achieving real democracy will require that the whole system of corporate capitalism be completely dismantled―because it's radically anti-democratic. And that can't be done by a stroke of the pen, you know: you have to build up alternative popular institutions, which could allow control over society's investment decisions to be moved into the hands of working people and communities. That's a long job, it requires building up an entire cultural and institutional basis for the changes, it's not something that's just going to happen on its own. There are people who have written about what such a system might look like―kind of a "participatory economy," it's sometimes called. But sure, that's the way to go, I think.

The East India Company was no apparition though; it was the template for many subsequent corporations […] Liberals betray themselves […] the moment they turn a blind eye to this kind of hyper-concentrated power. […] This is why trading in apples does not come even close to trading in shares. Large quantities may produce, at worse, lots of bad cider, but large amounts of money invested in liquid shares can release demonic forces that no market or state can control.

Carter's renowned 1979 "malaise speech" [...] is little remembered for what it actually was: a call to arms for fixing our nation's dire energy future. "Beginning this moment, this nation will never use more foreign oil than we did in 1977--never" [...] Carter was going to use all the weapons at his disposal: import quotas, public investment in coal, solar power, and alternative fuel, and [...] "a bold conservation program" where "every act of energy conservation ... is more than just common sense; I tell you it is an act of patriotism.

Pain enacts itself in predictable ways and flows into the fault lines between all the other social problems once can imagine, mortaring the pieces in place. Those who are in chronic pain - again, mostly women - are viewed as unreliable, as an unwise investment, as a burden, as complainers, as unfixable. There are so many of us, women who are supposed to be caretakers, whose bodies have reversed the flow of care and said no, women who bodies demand alternate systems of caretaking and new methods of healing. We also need new ways of seeing and naming pain.

Most of us, most of the time, live with the unquestioned belief that the world looks as it does because that’s the way it is. There is one small step from this belief to another: “Other people view the world much the way I do.” These beliefs, which have been called naive realism, are essential to the sense of a reality we share with other people. We rarely question these beliefs. We hold a single interpretation of the world around us at any one time, and we normally invest little effort in generating plausible alternatives to it. One interpretation is enough, and we experience it as true. We do not go through life imagining alternative ways of seeing what we see.

Everything suggests that declining electoral participation in the capitalist democracies is a sign not of contentment but of resignation. The losers from the neoliberal turn cannot see what they might get from a change of government; the TINA (‘There is no alternative’) politics of ‘globalization’ has long arrived at the bottom of society where voting no longer makes a difference in the eyes of those who would have most to gain from political change. The less hope they invest in elections, the less those who can afford to rely on the market have to fear from political intervention. The political resignation of the underclasses consolidates the neoliberal turn from which it derives, further shielding capitalism from democracy.

While there is widespread recognition that the War on Drugs is racist and that politicians have refused to invest in jobs or schools in their communities, parents of offenders and ex-offenders still feel intense shame—shame that their children have turned to crime despite the lack of obvious alternatives. One mother of an incarcerated teen, Constance, described her angst this way: “Regardless of what you feel like you’ve done for your kid, it still comes back on you, and you feel like, ‘Well, maybe I did something wrong. Maybe I messed up. You know, maybe if I had a did it this way, then it wouldn’t a happened that way.’” After her son’s arrest, she could not bring herself to tell friends and relatives and kept the family’s suffering private. Constance is not alone.

Richard Lovelace makes a compelling case that the best defense is a good offense. “The ultimate solution to cultural decay is not so much the repression of bad culture as the production of sound and healthy culture,” he writes. “We should direct most of our energy not to the censorship of decadent culture, but to the production and support of healthy expressions of Christian and non-Christian art.”10 Public protests and boycotts have their place. But even negative critiques are effective only when motivated by a genuine love for the arts. The long-term solution is to support Christian artists, musicians, authors, and screenwriters who can create humane and healthy alternatives that speak deeply to the human condition. Exploiting “Talent” The church must also stand against forces that suppress genuine creativity, both inside and outside its walls. In today’s consumer culture, one of the greatest dangers facing the arts is commodification. Art is treated as merchandise to market for the sake of making money. Paintings are bought not to exhibit, nor to grace someone’s home, but merely to resell. They are financial investments. As Seerveld points out, “Elite art of the New York school or by approved gurus such as Andy Warhol are as much a Big Business today as the music business or the sports industry.”11 Artists and writers have been reduced to “talent” to be plugged into the manufacturing process. That approach may increase sales, but it will suppress the best and highest forms of art. In the eighteenth century, the world nearly lost the best of Mozart’s music because the adults in the young man’s life treated him primarily as “talent” to exploit.

We’re influenced by how issues are framed. Many 401(k) plans no longer ask employees whether they want to contribute. Instead, they ask employees if they want to opt out of participating. If we were rational, it wouldn’t matter how the question was framed. But in this case, it produces a radically different outcome. By asking employees if they want to opt out, 401(k) plans tap into our tendency toward inertia and make participation appear to be the norm. Result: Many more employees put away money for retirement. Similarly, we can be influenced by how investment gains and losses are framed. We might be told that, “over the past 50 years, stocks have made money in 75 percent of all calendar years.” Alternatively, we might be told that “over the past 50 years, stocks have lost money in 25 percent of all calendar years.” The two sentences tell us the same thing—yet the first description makes stocks seem more appealing.

The current crisis has led to renewed discussions about a universal basic income, whereby all citizens receive an equal regular payment from the government, regardless of whether they work. The idea behind this policy is a good one, but the narrative would be problematic. Since a universal basic income is seen as a handout, it perpetuates the false notion that the private sector is the sole creator, not a co-creator, of wealth in the economy and that the public sector is merely a toll collector, siphoning off profits and distributing them as charity. A better alternative is a citizen’s dividend. Under this policy, the government takes a percentage of the wealth created with government investments, puts that money in a fund, and then shares the proceeds with the people. The idea is to directly reward citizens with a share of the wealth they have created. Alaska, for example, has distributed oil revenues to residents through an annual dividend from its Permanent Fund since 1982.

At the beginning of this chapter we identified several practical threats to liberalism. The first is that humans might become militarily and economically useless. This is just a possibility, of course, not a prophecy. Technical difficulties or political objections might slow down the algorithmic invasion of the job market. Alternatively, since much of the human mind is still uncharted territory, we don’t really know what hidden talents humans might discover in themselves, and what novel jobs they might create to offset the loss of others. That, however, may not be enough to save liberalism. For liberalism believes not just in the value of human beings – it also believes in individualism. The second threat facing liberalism is that, while the system might still need humans in the future, it will not need individuals. Humans will continue to compose music, teach physics and invest money, but the system will understand these humans better than they understand themselves and will make most of the important decisions for them. The system will thereby deprive individuals of their authority and freedom

Spearing a quail egg with her fork, Evie popped it into her mouth. “What is to be done about Mr. Egan?” His shoulders lifted in a graceful shrug. “As soon as he is sober enough to walk, he’ll be dismissed.” Evie brushed away a stray lock of hair that had fallen over her cheek. “There is no one to replace him.” “Yes, there is. Until a suitable manager can be found, I’ll run the club.” The quail egg seemed to stick in her throat, and Evie choked a little. Hastily she reached for her wine, washed it down, and regarded him with bulging eyes. How could he say something so preposterous? “You can’t.” “I can hardly do worse than Egan. He hasn’t managed a damned thing in months… before long, this place will be falling down around our ears.” “You said you hated work!” “So I did. But I feel that I should try it at least once, just to be certain.” She began to stammer in her anxiety. “You’ll pl-play at this for a few days, and then you’ll tire of it.” “I can’t afford to tire of it, my love. Although the club is still profitable, its value is in decline. Your father has a load of outstanding debt that must be settled. If the people who owe him can’t muster the cash, we’ll have to take property, jewelry, artwork… whatever they can manage. Having a good idea of the value of things, I can negotiate some acceptable settlements. And there are other problems I haven’t yet mentioned… Jenner has a string of failing Thoroughbreds that have lost a fortune at Newmarket. And he’s made some insane investments— ten thousand pounds he put into an alleged gold mine in Flintshire— a swindle that even a child should have seen through.” “Oh God,” Evie murmured, rubbing her forehead. “He’s been ill— people have taken advantage—” “Yes. And now, even if we wanted to sell the club, we couldn’t without first putting it in order. If there were an alternative, believe me, I would find it. But this place is a sieve, with no one who is capable or willing to stop the holes. Except for me.” “You know nothing about filling holes!” she cried, appalled by his arrogance. Sebastian responded with a bland smile and the slightest arch of one brow. Before he could open his mouth to reply, she clapped her hands over her ears. "Oh, don't say it, don't!" When she saw that he was obligingly holding his silence-though a devilish gleam remained in his eyes-she lowered her hands cautiously.

In a traditional society, individuals are aware that they will need children to support them in the future, and so will spend their healthy young years starting a family and investing in giving their children the best life possible. But if long-term investment in general is disincentivized, if saving is likely to be counterproductive as money depreciates, this investment becomes less profitable. Further, as politicians sell people the lie that eternal welfare and retirement benefits are possible through the magic of the monetary printing press, the investment in a family becomes less and less valuable. Over time, the incentive to start a family declines and more and more people end up leading single lives. More marriages are likely to break down as partners are less likely to put in the necessary emotional, moral, and financial investment to make them work, while marriages that do survive will likely produce fewer children. The well-known phenomenon of the modern breakdown of the family cannot be understood without recognizing the role of unsound money allowing the state to appropriate many of the essential roles that the family has played for millennia, and reducing the incentive of all members of a family to invest in long-term familial relations.

I hope to address and satisfactorily answer a number of issues throughout this scroll, namely, how I should elect to live out the remainder of my life. What qualities should I incorporate into my personhood and what noxious characteristics must I jettison from an evolving personal character? Questions that establish the spine of this scroll include does a person need the bookends of both faith and hope to bracket personal survival? Should I take a vow of poverty, chastity, and public service, and seek to live an honorable life based upon the principles of loyalty and courage? Must a person clasp vivid dreams close to their heart? Must a person stalk their personal calling with all their ferocity and resolve to hang onto the slender stalk of wispy wishes with all their might? Alternatively, should a person resolve to accept a life free from all forms of wanting? Can I discover a way to live in a supple way? Should I invest diminishing personal resources into self-discovery? Should I intensely search out the tenderest spot in my being? Do I dare plunge into the affectionate pulse that fills my innermost cavities with glowing warmth towards humanity? Given that death is inevitable, should I disdain failure, because how can anyone fail at living while pursuing the beam cast by the interior flash of their incandescent light? While many of these questions might prove elusive or unanswerable, the act of questioning has independent value.

Much has also been written about a reverse manifestation of exponential change, about the impressively declining cost of solar photovoltaic cells leading to near-miraculous breakthroughs in solar electricity generation. The latter claim has been particularly popular: I encourage you to check those breathless reports of constantly and rapidly falling photovoltaic (PV) cell prices, and you will see how, if they were the only determinant of the actual cost of PV generation, we would soon be arriving at almost the same place where nuclear generation claims began in the mid-1950s, with solar generation being too cheap to meter, indeed, being absolutely a free give-away. In reality, detailed US data for residential PV systems (twenty-two panels) show that the module cost is now only about 15 percent of the total investment. The rest is needed to cover structural and electrical components (panels must be mounted on supports on roofs or on prepared ground), inverters (to change the direct current to alternating current), labor costs, and other soft costs. Obviously, none of these components, from steel and aluminum to transmission lines, permitting, inspection, and sales taxes, is tending to zero, and hence the overall costs of installation (dollars per watt of direct current delivered by the panels) show a distinctly declining rate of improvement: between 2010 and 2015 they fell by 55 percent, between 2015 and 2020 by 20 percent. And these costs do not include the additional outlays that will have to be made with the increasing share of intermittent sources (solar and wind) in overall electricity generation.

Like noiseless nautilus shells, their light prows sped through the sea; but only slowly they neared the foe. As they neared him, the ocean grew still more smooth; seemed drawing a carpet over its waves; seemed a noon-meadow, so serenely it spread. At length the breathless hunter came so nigh his seemingly unsuspecting prey, that his entire dazzling hump was distinctly visible, sliding along the sea as if an isolated thing, and continually set in a revolving ring of finest, fleecy, greenish foam. He saw the vast, involved wrinkles of the slightly projecting head beyond. Before it, far out on the soft Turkish-rugged waters, went the glistening white shadow from his broad, milky forehead, a musical rippling playfully accompanying the shade; and behind, the blue waters interchangeably flowed over into the moving valley of his steady wake; and on either hand bright bubbles arose and danced by his side. But these were broken again by the light toes of hundreds of gay fowl softly feathering the sea, alternate with their fitful flight; and like to some flag-staff rising from the painted hull of an argosy, the tall but shattered pole of a recent lance projected from the white whale's back; and at intervals one of the cloud of soft-toed fowls hovering, and to and fro skimming like a canopy over the fish, silently perched and rocked on this pole, the long tail feathers streaming like pennons. A gentle joyousness—a mighty mildness of repose in swiftness, invested the gliding whale. Not the white bull Jupiter swimming away with ravished Europa clinging to his graceful horns; his lovely, leering eyes sideways intent upon the maid; with smooth bewitching fleetness, rippling straight for the nuptial bower in Crete; not Jove, not that great majesty Supreme! did surpass the glorified White Whale as he so divinely swam.

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So much changes when you get an education! You unlearn dangerous superstitions, such as that leaders rule by divine right, or that people who don’t look like you are less than human. You learn that there are other cultures that are as tied to their ways of life as you are to yours, and for no better or worse reason. You learn that charismatic saviors have led their countries to disaster. You learn that your own convictions, no matter how heartfelt or popular, may be mistaken. You learn that there are better and worse ways to live, and that other people and other cultures may know things that you don’t. Not least, you learn that there are ways of resolving conflicts without violence. All these epiphanies militate against knuckling under the rule of an autocrat or joining a crusade to subdue and kill your neighbors. Of course, none of this wisdom is guaranteed, particularly when authorities promulgate their own dogmas, alternative facts, and conspiracy theories—and, in a backhanded compliment to the power of knowledge, stifle the people and ideas that might discredit them. Studies of the effects of education confirm that educated people really are more enlightened. They are less racist, sexist, xenophobic, homophobic, and authoritarian.10 They place a higher value on imagination, independence, and free speech.11 They are more likely to vote, volunteer, express political views, and belong to civic associations such as unions, political parties, and religious and community organizations.12 They are also likelier to trust their fellow citizens—a prime ingredient of the precious elixir called social capital which gives people the confidence to contract, invest, and obey the law without fearing that they are chumps who will be shafted by everyone else.13 For all these reasons, the growth of education—and its first dividend, literacy—is a flagship of human progress.

Overall look: Soft and delicate   Hair: Most often blonde or golden grey   Skintone: Light, ivory to soft beige, peachy tones. Very little contrast between hair and skin   Eyes: Blue, blue-green, aqua, light green IF you are a Light Spring you should avoid dark and dusty colors, which would make you look pale, tired and even pathetic. Spring women who need to look strong, for example chairing a meeting, can do so by wearing mid-tone grey or light navy, not deeper shades. If you are a Light Spring and you wear too much contrast, say a light blouse and dark jacket, or a dress with lots of bold colors against a white background, you ‘disappear’ because our eye is drawn to the colors you are wearing. See your Light Spring palette opposite. Your neutrals can be worn singly or mixed with others in a print or weave. The ivory, camel and blue-greys are good investment shades that will work with any others in your palette. Your best pinks will be warm—see the peaches, corals and apricots—but also rose pink. Never go as far as fuchsia, which is too strong and would drain all the life from your skin. Periwinkle blue toned with a light blue blouse is a smart, striking alternative to navy and white for work. Why wear black in the evening when you will sparkle in violet (also, warm pink and emerald turquoise will turn heads)? For leisure wear, team camel with clear bright red or khaki with salmon.   Make-Up Tips Foundation: Ivory, porcelain Lipstick: Peach, salmon, coral, clear red Blush: Salmon, peach Eyeshadow for blue eyes: Highlighter Champagne, melon, apricot, soft pink Contour Soft grey, violet, teal blue, soft blues, cocoa Eyeshadow for blue-green and aqua eyes: Highlighter Apricot, lemon, champagne Contour Cocoa or honey brown, spruce or moss green, teal blue Eyeshadow for green eyes: Highlighter Pale aqua, apricot, champagne Contour Cocoa or honey brown, teal blue, violet, spruce.

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Understanding Metro's history may illuminate today's debates. To conservatives who decry Metro's expense--around $10 billion in nominal dollars--this book serves as a reminder that Metro was never intended to be the cheapest solution to any problem, and that it is the product of an age that did not always regard cheapness as an essential attribute of good government. To those who celebrate automobile commuting as the rational choice of free Americans, it replies that some Americans have made other choices, based on their understanding that building great cities is more important than minimizing average commuting time. This book may also answer radicals who believe that public funds should primarily--or exclusively--serve the poor, which in the context of transportation means providing bus and rail transit for the carless while leaving the middle class to drive. It suggests that Metro has done more for inner-city African Americans than is generally understood. And to those hostile to public mega-projects as a matter of principle, it responds that it may take a mega-project to kill a mega-project. Had activists merely opposed freeways, they might as well have been dismissed as cranks by politicians and technical experts alike. By championing rapid transit as an equally bold alternative, they won allies, and, ultimately, victory. Most important, this book recalls the belief of Great Society liberals that public investments should serve all classes and all races, rather than functioning as a last resort. These liberals believed, with Abraham Lincoln, that 'the legitimate object of government is to do for a community of people, whatever they need to have done, but can not do, at all, or can not, so well do, for themselves--in their separate, and individual capacities.' This approach justifies the government's role in rail not as a means of distributing wealth, but as an agent for purchasing rapid transit--a good that people collectively want but cannot collectively buy through a market.

Modern electrical power distribution technology is largely the fruit of the labors of two men—Thomas Edison and Nikola Tesla. Compared with Edison, Tesla is relatively unknown, yet he invented the alternating electric current generation and distribution system that supplanted Edison's direct current technology and that is the system currently in use today. Tesla also had a vision of delivering electricity to the world that was revolutionary and unique. If his research had come to fruition, the technological landscape would be entirely different than it is today. Power lines and the insulated towers that carry them over thousands of country and city miles would not distract our view. Tesla believed that by using the electrical potential of the Earth, it would be possible to transmit electricity through the Earth and the atmosphere without using wires. With suitable receiving devices, the electricity could be used in remote parts of the planet. Along with the transmission of electricity, Tesla proposed a system of global communication, following an inspired realization that, to electricity, the Earth was nothing more than a small, round metal ball. [...] With $150,000 in financial support from J. Pierpont Morgan and other backers, Tesla built a radio transmission tower at Wardenclyffe, Long Island, that promised—along with other less widely popular benefits—to provide communication to people in the far corners of the world who needed no more than a handheld receiver to utilize it. In 1900, Italian scientist Guglielmo Marconi successfully transmitted the letter "S" from Cornwall, England, to Newfoundland and precluded Tesla's dream of commercial success for transatlantic communication. Because Marconi's equipment was less costly than Tesla's Wardenclyffe tower facility, J. P. Morgan withdrew his support. Moreover, Morgan was not impressed with Tesla's pleas for continuing the research on the wireless transmission of electrical power. Perhaps he and other investors withdrew their support because they were already reaping financial returns from those power systems both in place and under development. After all, it would not have been possible to put a meter on Tesla's technology—so any investor could not charge for the electricity!

How to choose a best website development company RNS IT Solutions is the best Software development company. When choosing a development company for your website, it is very important not only to look at the price, but also the quality of the work you hope to obtain and it is that a good Web of quality, realized of the hand of good engineers who have been working in the sector for years, can make you recover the investment in a short time and generate great benefits in the long term. Of course, to have a quality website the initial investment will probably be greater than you expect and maybe right now you think that the web you need does not require much quality, or a lot of work, but stop to think for a moment and consider the possibility that you are totally wrong, because that may depend on the future of your company as well as Web Development company India.The image that you want to transmit to the clients of the same one and the investment that you will have to do in the web once developed. With all this I do not mean that you have to ask for a loan from the bank to pay for the web. If the project you have in mind takes more work than you initially thought and the budget is out of your expectations, you can always limit and remove features that are dispensable. In this way you can publish the Web as soon as possible, so that once the initial investment is amortized, you can continue investing in adding those features that were left in the background. There are few Web Development Company In India hat right now could not survive, if they were not involved in the online world and it costs much less to make you a quality professional website, with a higher initial investment, to make you a website on which you have to invest, and then large amounts in development and consulting to correct deficiencies initially not contemplated. In the worst case, a bad development, may even force you to throw all the code of the web to the trash, to have to start from scratch. But what is quality of Web Development Services India? Let's see the characteristics that a website must have in order to be considered quality and professional: In any development project, meetings are always held to develop an initial analysis, gathering all the requirements and objectives of the web that the client wants. At this point you should have a proactive attitude, proposing functionalities that could be interesting or alternative ideas that we know can generate good results.

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And it is why digital transformation can be so frightening: Companies must shift their focus from what they know works and invest instead in alternatives they view as risky and unproven. Many companies simply refuse to believe they are facing a life-or-death situation. This is Clayton Christensen’s aptly named “Innovator’s Dilemma”: Companies fail to innovate, because it means changing the focus from what’s working to something unproven and risky.

Unconventional Success: A Fundamental Approach to Personal Investment recommends that investors engage not-for-profit fund management companies to create broadly diversified, passively managed portfolios. Note that most mutual-fund assets rest under the control of for-profit management companies. Not-for-profits represent a contrarian alternative. Note that most individuals’ portfolios contain result-dominating allocations to domestic marketable securities. True diversification represents a contrarian alternative. Note that most mutual funds attempt to beat the market. Market-mimicking strategies represent a contrarian alternative.

Another appropriate policy response limits investment alternatives to a well-structured set of choices. Government-provided tax advantages encourage individual participation in defined contribution programs. Suppose the government were to award tax benefits only to accounts that invest in low-cost, market-mimicking funds. By restricting tax-advantaged investments to passive vehicles, investors face far fewer opportunities to make investment mistakes. Government regulation might address market-timing issues by limiting the number and frequency of moves between funds. Educational efforts might deal with the challenges of asset allocation, encouraging individuals to adopt investment programs that fit their specific risk profiles and time horizons. Acting in loco parentis, the government could create powerful incentives to adopt passively managed, appropriately allocated investment programs

According to strategy guru Michael Porter of the Harvard Business School, successful business strategies are at the opposite poles of each of two choices: (1) aim to dominate the entire industry or, alternately, target only the few segments in which it can excel; (2) choose between winning by marketing superior products or, alternately, by offering bargain prices. Companies run into trouble when they are not clear about whether they are serving the whole market or just focusing on specific niches. Also, quality products and low prices can’t be equally important objectives, or a company will be stuck in the middle.

After more than 25 years of investing professionally and after 9 years of teaching at an Ivy League business school, I am convinced of at least two things: 1. If you really want to “beat the market,” most professionals and academics can’t help you, and 2. That leaves only one real alternative: You must do it yourself.

To grow the value of our Naira, the government needs to stop borrowing and start looking inward for value propositions within the country itself. We have alternatives to oil and gas, but it is not going to be the fastest way to raise funds that will be siphoned by the government officials. That is why borrowing from China, Brazil and others is seemingly becoming the norm. That works faster and it is the easiest means of raising money than investing in agriculture and others alternatives we have.

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When a fund manager doesn’t have to constantly worry about having enough cash or liquid assets on hand to meet constant redemptions (as is the case with regular mutual funds), she can take a long-term view. That lets her buy alternative assets like commercial real estate, real estate debt, and shares in high-end private investment funds.

Role Modeling and Meaningful Mentors Given the importance of socialization in leadership education and the power of analogue to organize people's approaches, one important facet of training the next generation of impact investors is to celebrate role models. Historically business schools have exposed students to leading businesspeople who have exemplified a model life in which their business success was followed by a retirement enriched by charity work. Now the increasing popularity on business school campuses of impact investing pioneers is offering an alternative model for students to follow. Schools that recognize the importance of mentoring and role modeling will need to identify additional opportunities to expose students to similarly forward-looking role models. Beyond the charismatic entrepreneurs, role models can also come from the leaders of networks, standard-setting bodies and other industry-builders who will increasingly represent high-leverage leadership in the impact investing industry's next phase.

As a physics major, before getting her hands dirty in New York, she had assumed that money is printed by a nation’s central bank, from where it is distributed to commercial banks. But while this is indeed how cash is created, cash accounts for only 3 per cent of all money. What of the remaining 97 per cent? Surprise and then foreboding were the reactions of every student to whom she had explained how the missing 97 per cent was created – and by whom: not by central banks but by commercial and investment bankers. At this point, her students would ask, ‘Without access to state-sanctioned printing presses, how do private bankers create money?’ ‘Simple,’ she would reply. ‘Every time a banker approves a loan of, say, one million dollars for Jack, a typical business customer, the banker just types 1,000,000 on Jack’s bank statement. However incredible it may seem, that’s all it takes. Bankers create money by granting loans by typing in some numbers!’ The crucial thing, she would explain, is that these numbers are typed into a shared database – or ledger – to which only the bankers have access. When their customers transfer this ‘money’ between them – when Jack transfers numbers from his account to the account of a supplier, say Jill, or of a builder, say Bob, or of a worker, say Kate, and when in turn, Jill, Bob and Kate transfer their numbers on, in the same way, to others to whom they owe money – these numbers simply migrate from one cell in the database to another. For this system to be sustainable, and not merely a pyramid scheme, there is a single condition: that, somewhere down the line, the one million dollars which some banker typed into existence on Jack’s behalf results in new goods and services whose total market value exceeds one million dollars. It is from this surplus that the banker takes his interest and Jack his profit. This is what Iris was referring to as a fool’s wager when she said that bankers plundered value from the future, or when Costa had once claimed that capitalism, like science fiction, trades in future assets using fictitious currency. It is in their nature that the wealthier bankers become by creating money, the more money they tend to create. The danger of such a system, of course, is that the banks end up typing into existence sums of money vastly larger than the market value of the goods and services created as a result of Jack, Jill, Bob and Kate’s endeavours. At the point when the bankers have collectively created money sums greater than the resulting values, the present can no longer repay the future for the money it borrowed from it. The moment Jack, Jill, Bob and Kate get a whiff of this, they may demand their bank balances in cash, sensing that the total value on the bankers’ database is lower than the actual value of their customers’ assets. ‘At that point, a bank run sets in,’ Eva would tell her students, ‘and that’s when the system comes crashing down.

one cannot judge a performance in any given field (war, politics, medicine, investments) by the results, but by the costs of the alternative

no one ever got fired for buying IBM,” allocators rarely get fired for recommending a 60/40.

They then compare the likelihood of at least one strategy being down over various time horizons as well as the likelihood of beating cash over the same time horizons. What they find is that the fox has a slight edge over the hedgehog in beating cash over every time frame, yet is substantially more likely to experience at least one strategy being down.

While you don’t necessarily want to come right out and ask a seller if she’s talking to any other investors—you don’t want to remind her that she has other options—there are ways to glean this information more subtly. I like to ask sellers this question: Investor: “If we can’t come to an agreement for me to buy your house, what do you think you’ll do?” This gives the seller an opportunity to discuss her alternative options (she’s talking to other buyers, she doesn’t really need to sell, etc.), which is what will ultimately drive her level of motivation. The better her alternatives, the more careful you need to be about an aggressive offer; the fewer alternatives she has, the lower your offer can be without her jumping ship and going after another option.

Your main goal for analyzing the national and local real estate markets is to determine whether you are operating in a buyer’s market or a seller’s market. This will give you an idea of which party will have the best alternatives—and the most leverage—in the negotiations.

Despite their illiquidity, private markets are not immune to the cyclical forces that drive public market volatility.

The thesis that we need to address the dangerous implications of the UFO and alien abduction phenomenon as a “psychic and symbolic reality,” as well as a “control system which acts on humans and uses humans,” contradicts certain trends in contemporary spiritual and New Age thought. These days, we find a strong tendency in many spiritual communities to focus single-mindedly on the power of positivity and affirmations of the light, based on ideas such as “The Law of Manifestation” or “The Secret.” The underlying belief is that each of us creates our own reality through our thoughts and intentions. Therefore, if we simply avoid anything dark or malevolent, nothing negative will be able to enter our field. But unfortunately, reality is not that simple, and this approach is a blatant form of spiritual bypassing. Paul Levy explores the idea that modern Anglo-European culture is infected by what the Algonquins call “wetiko,” a cannibalistic spirit driven by greed, excess, and selfish consumption. “Spiritual/New Age practitioners who endlessly affirm the light while ignoring the shadow” fall “under the spell of wetiko,” he writes. By seeking to turn away from and hide their darkness, these practitioners unwittingly reinforce “the very evil from which they are fleeing. Looking away from darkness, thus keeping it unconscious, is what evil depends upon for its existence. If we unconsciously react … to evil by turning a blind eye toward it – “seeing no evil” – we are investing the darkness with power over us.” The alternative is to permeate evil with awareness, “stalking” the shadow so we can catch and assimilate it. Carl Jung wrote, “One does not become enlightened by imagining figures of light, but by making the darkness conscious.” If the thesis developed in this essay has validity, then New Age spiritual practitioners will have to overcome their bypassing and confront the dark side of the psyche, reckoning with the occult control system. At the same time, political and ecological activists will need to interrogate their inveterate bias toward a purely materialist analysis, to acknowledge the existence of occult, hyper-dimensional, forces at work behind the scenes, influencing the course of events. And conspiracy theorists who believe in an incredibly evil, highly organized and intelligent cabal of human controllers working to bring about a New World Order surveillance society of enslavement will have to recognize that the controllers operating behind the scenes are not humans at all. Here and there, the Bible gets this right - as in Ephesians: “For we wrestle not against flesh and blood, but against principalities, against powers, against the rulers of the darkness of this world, against spiritual wickedness in high places.” If we aren’t aiming at the proper targets, we will never hit the mark.

During Biden’s long period of flailing, I had feared that he had missed his chance to avert the worst consequence of climate change—and that another opportunity to protect the planet wouldn’t come around for years, after it was far too late. But then in the summer of 2022, Congress passed the Inflation Reduction Act, a banally named bill that will transform American life. Its investments in alternative energy will ignite the growth of industries that will wean the economy from its dependence on fossil fuels. That achievement was of a piece with the new economics that his presidency had begun to enshrine. Where the past generation of Democratic presidents was deferential to markets, reluctant to challenge monopoly, indifferent to unions, and generally encouraging of globalization, Biden went in a different direction. Through a series of bills—not just his investments in alternative energy, but also the CHIPS Act and his infrastructure bill—he erected a state that will function as an investment bank, spending money to catalyze favored industries to realize his vision, where the United States controls the commanding heights of the economy of the future. The critique of gerontocracy is that once politicians become senior citizens, they will only focus on the short term, because they will only inhabit the short term. But Biden, the oldest president in history, pushed for spending money on projects that might not come to fruition in his lifetime. His theory of the case—that democracy will succeed only if it delivers for its citizens—compelled him to push for expenditures on unglamorous but essential items such as electric vehicle charging systems, crumbling ports, and semiconductor plants, which will decarbonize the economy, employ the next generation of workers, and prevent national decline.

Balancing the needs of human societies with the preservation of freshwater ecosystems requires a paradigm shift towards more sustainable water use. This involves reevaluating the environmental impact of large-scale water extraction projects, promoting water conservation practices, and investing in alternative water sources to alleviate pressure on natural habitats.

The alternative is to use a system called the Five Whys to make incremental investments and evolve a startup’s processes gradually. The core idea of Five Whys is to tie investments directly to the prevention of the most problematic symptoms.

In many ways, the left has never recovered from being wrong-footed by Capital's mobilization and metabolization of the desire for emancipation from Fordist routine. Especially in the UK, the traditional representatives of the working class - union and labor leaders - found Fordism rather too congenial; its stability of antagonism gave them a guaranteed role. But this meant that it was easy for the advocates of post-Fordist Capital to present themselves as the opponents of the status quo, bravely resisting an inertial organized labor 'pointlessly' invested in fruitless ideological antagonism which served the ends of union leaders and politicians, but did little to advance the hopes of the class they purportedly represented. Antagonism is not now located externally, in the face-off between class blocs, but internally, in the psychology of the worker, who, as a worker, is interested in old-style class conflict, but, as someone with a pension fund, is also interested in maximizing the yield from his or her investments.

There are many important decisions where you may be tempted to select the first possible solution. In all of these, some effort spent creating alternatives that provide a nudge for your decision will likely be a wise investment. Examples include purchasing a car or a condominium, finding a new primary physician or a specialist, choosing a firm that will manage some aspects of your small company (e.g., taxes, payroll), or selecting an individual as the main contractor to build or remodel your house.

To conclude this section, let us mention briefly three supplementary concepts or practices for the defensive investor. The first is the purchase of the shares of well-established investment funds as an alternative to creating his own common-stock portfolio. He might also utilize one of the “common trust funds,” or “commingled funds,” operated by trust companies and banks in many states; or, if his funds are substantial, use the services of a recognized investment-counsel firm. This will give him professional administration of his investment program along standard lines. The third is the device of “dollar-cost averaging,” which means simply that the practitioner invests in common stocks the same number of dollars each month or each quarter. In this way he buys more shares when the market is low than when it is high, and he is likely to end up with a satisfactory overall price for all his holdings. Strictly speaking, this method is an application of a broader approach known as “formula investing.” The latter was already alluded to in our suggestion that the investor may vary his holdings of common stocks between the 25% minimum and the 75% maximum, in inverse relationship to the action of the market. These ideas have merit for the defensive investor, and they will be discussed more amply in later chapters.

Every big company has a history that defines what it makes, the industry in which it competes, its relationship with customers, and its historic growth rates. In big companies, planning is strategy. It is the formalized process, well understood by all involved, of how companies determine which paths to choose to achieve corporate goals. Thus, if the question is whether to build a more efficient factory, to invest in more innovation relating to a specific product, to jettison a line of business, or to acquire a competitor, such alternatives can be quantified and evaluated, one against the other, using financial and risk measures.

of climate change. What was needed was a massive nudge in the right direction. In the past, the stick of regulation and the rod of taxation were the methods that environmentalists believed could break the fossil fuel economy. But the Inflation Reduction Act doesn’t rely on such punitive tactics, because Manchin culled them from the bill. Instead, it imagined that the United States could become the global leader of a booming climate economy, if the government provided tax credits and subsidies, a lucrative set of incentives. There was a cost associated with the bill. By the Congressional Budget Office’s score, it offered $386 billion in tax credits to encourage the production of wind turbines, solar panels, geothermal plants, and battery storage. Tax credits would reduce the cost of electric vehicles so that they would become the car of choice for Middle America. But $386 billion was an estimate, not a price tag, since the legislation didn’t cap the amount of money available in tax credits. If utilities wanted to build more wind turbines or if demand for electric vehicles surged, the government would keep spending. When Credit Suisse studied the program, it estimated that so many businesses and consumers will avail themselves of the tax credits that the government could spend nearly $800 billion. If Credit Suisse is correct, then the tax credits will unleash $1.7 trillion in private sector spending on green technologies. Within six years, solar and wind energy produced by the US will be the cheapest in the world. Alternative energies will cross a threshold: it will become financially irresponsible not to use them. Even though Joe Biden played a negligible role in the final negotiations, the Inflation Reduction Act exudes his preferences. He romanticizes the idea of factories building stuff. It is a vision of the Goliath of American manufacturing, seemingly moribund, sprung back to life. At the same time that the legislation helps to stall climate change, it allows the United States to dominate the industries of the future. This was a bill that, in the end, climate activists and a broad swath of industry could love. Indeed, strikingly few business lobbies, other than finance and pharma, tried to stymie the bill in its final stages. It was a far cry from the death struggles over energy legislation in the Clinton and Obama administrations, when industry scuppered transformational legislation. The Inflation Reduction Act will allow the United States to prevent its own decline. And not just economic decline. Without such a meaningful program, the United States would have had no standing to prod other countries to respond more aggressively to climate change. It would have been a marginal player in shaping the response to the planet’s greatest challenge. The bill was an investment in moral authority.

So what can we do about it, in this age of what Henry Farrell and Abraham Newman call ‘weaponised interdependence’? We all need to trade, to invest, to travel and to connect, so the answer cannot be autarky, an attempt to create hermetically sealed economies. The use of economic warfare and positive and negative influence is likely only to increase. The liberal credo that all trade is good and that nations which trade do not war is increasingly unsustainable, as these are no longer binary alternatives.

Unlock Wellness with Qi Coil PEMF Therapy: The Key to Holistic Healing In a world where stress and modern living take a toll on our well-being, the quest for natural and effective healing methods has led many to explore alternative therapies. One such groundbreaking solution is PEMF therapy, and at the forefront of this holistic revolution is "Qi Coil." Discover the transformative power of Qi Coil PEMF Therapy and unlock the door to a healthier, more balanced life. Qi Coil PEMF Therapy: A Glimpse into Revolutionary Healing At the heart of the Qi Coil experience is the innovative use of Pulsed Electromagnetic Field (PEMF) technology. This non-invasive therapy harnesses the power of electromagnetic fields to stimulate the body's natural healing processes at a cellular level. By optimizing the body's energy flow, Qi Coil PEMF Therapy promotes overall wellness, vitality, and mental clarity. How Does Qi Coil PEMF Therapy Work? Qi Coil devices emit specific frequencies that resonate with the body's cells, enhancing cellular function and promoting balance. This targeted approach can alleviate a range of issues, including chronic pain, inflammation, and stress. The gentle pulsations emitted by Qi Coil devices mimic the Earth's natural magnetic field, helping to restore the body's natural equilibrium. Benefits of Choosing Qi Coil PEMF Therapy Holistic Healing: Qi Coil PEMF Therapy addresses the root causes of various health concerns, promoting holistic healing from within. Non-Invasive: Say goodbye to invasive procedures and embrace a non-invasive solution that supports your body's innate ability to heal. Versatility: Whether you're seeking relief from pain, better sleep, or enhanced mental clarity, Qi Coil PEMF Therapy offers a versatile solution for various health goals. Why Choose Qi Coil? Qi Coil stands out in the world of PEMF therapy with its commitment to quality, innovation, and customer satisfaction. Our devices are meticulously crafted to deliver precise frequencies and optimal results. Join the countless individuals who have already experienced the life-changing benefits of Qi Coil PEMF Therapy. Embark on a journey towards improved well-being and unlock the full potential of your health with Qi Coil PEMF Therapy. Invest in yourself, invest in holistic healing.

JKP Holdings LLC, David evaluates and manages deals and raises funds for the purchase of mortgage notes nationwide.

Partners for Payment Relief (PPR): Dave Van Horn, John Sweeney, and Bob Paulus. I listened to a lot of their podcasts early on. Also, the book Paper Profits: How to Buy and Profit From Notes: A Beginner’s Guide by my friend Josh Andrews.

This book attempts to evaluate the roles of the traditional landowners (whose reckless lifestyles led to bankruptcy and the acquisition of their lands by commercially-minded entrepreneurs); the new breed of accountant trustees (for whom financial probity was paramount); the Highland Potato Famine; James Cheyne, the clearing landlord; events elsewhere on Lismore, particularly on the Baleveolan estate, factored by Allan MacDougall; the influence of the Lismore Agricultural Society; investment in infrastructure on the Airds estate; the differing fates of farmers and cottars; the lack of alternative employment for the young; and opportunites elsewhere, particularly in the Central Belt of Scotland.

From the outset, hydroxychloroquine (HCQ) and other therapeutics posed an existential threat to Dr. Fauci and Bill Gates’ $48 billion COVID vaccine project, and particularly to their vanity drug remdesivir, in which Gates has a large stake.1 Under federal law, new vaccines and medicines cannot quality for Emergency Use Authorization (EUA) if any existing FDA-approved drug proves effective against the same malady: For FDA to issue an EUA (emergency use authorization), there must be no adequate, approved, and available alternative to the candidate product for diagnosing, preventing, or treating the disease or condition. . . .2 Thus, if any FDA-approved drug like hydroxychloroquine (or ivermectin) proved effective against COVID, pharmaceutical companies would no longer be legally allowed to fast-track their billion-dollar vaccines to market under Emergency Use Authorization. Instead, vaccines would have to endure the years-long delays that have always accompanied methodical safety and efficacy testing, and that would mean less profits, more uncertainty, longer runways to market, and a disappointing end to the lucrative COVID-19 vaccine gold rush. Dr. Fauci has invested $6 billion in taxpayer lucre in the Moderna vaccine alone.3 His agency is co-owner4 of the patent and stands to collect a fortune in royalties. At least four of Fauci’s hand-picked deputies are in line to collect royalties of $150,000/year based on Moderna’s success, and that’s on top of the salaries already paid by the American public.5,6

Under federal law, new vaccines and medicines cannot quality for Emergency Use Authorization (EUA) if any existing FDA-approved drug proves effective against the same malady: For FDA to issue an EUA (emergency use authorization), there must be no adequate, approved, and available alternative to the candidate product for diagnosing, preventing, or treating the disease or condition. . . .2 Thus, if any FDA-approved drug like hydroxychloroquine (or ivermectin) proved effective against COVID, pharmaceutical companies would no longer be legally allowed to fast-track their billion-dollar vaccines to market under Emergency Use Authorization. Instead, vaccines would have to endure the years-long delays that have always accompanied methodical safety and efficacy testing, and that would mean less profits, more uncertainty, longer runways to market, and a disappointing end to the lucrative COVID-19 vaccine gold rush. Dr. Fauci has invested $6 billion in taxpayer lucre in the Moderna vaccine alone.3 His agency is co-owner4 of the patent and stands to collect a fortune in royalties. At least four of Fauci’s hand-picked deputies are in line to collect royalties of $150,000/year based on Moderna’s success, and that’s on top of the salaries already paid by the American public.5

Those firms that do not update their investment processes within that time frame [over the next five years] could face strategic risks and might very well be outmanoeuvred by competitors that effectively incorporate alternative data into their securities valuation and trading signal processes.

You always need to look for alternative, else conventional paths always lead to conventional results!

These two options—investing in punishment versus investing in people—represent distinct policy alternatives, and also radically different imaginations. The first puts the existing death-making structure on life support, whereas the second aims to regenerate a besieged body politic. Which one will we invest in?

Let’s take a look at the five major asset classes: Alternative assets, which are usually physical assets like fine watches, real estate, collectible cars, art, and jewelry Stocks, which represent ownership of a piece of a publicly traded company Fixed-income investments such as government bonds and deposit certificates Cash, such as dollar bills, and cash equivalents such as savings accounts, retirement accounts, and 401(k)s Futures and other derivatives, which are contracts between two parties agreeing to buy and sell assets, usually commodities like gold, corn, wheat, or cows, at a future date

According to Roger Ibbotson, who has spent a lifetime measuring returns from alternative portfolios, more than 90 percent of an investor’s total return is determined by the asset categories that are selected and their overall proportional representation. Less than 10 percent of investment success is determined by the specific stocks or mutual funds that an individual chooses.

Investor: “I asked that question in the hopes that I would be able to offer cash and a quick close. Unfortunately, since our discussion, I’ve entered discussions with two other sellers as well, and while I still hope to be able to pay cash, I take my promises seriously, and I don’t want to overcommit to you.” This not only sends the message that it was just a misunderstanding (you didn’t lie about anything), but it also allows you to send two subtle messages: Should the two of you not reach an agreement, you have other alternatives—and the fact that you are serious about your commitments. Assuming the seller is willing to answer your question, you now have another important data point that you can use to evaluate about where the seller’s MAO might be.

Universal healthcare ensures that all individuals have access to necessary medical services regardless of their ability to pay. This policy addresses the gaps and inequities in the current healthcare system, where millions of Americans remain uninsured or underinsured. Countries such as Canada and the United Kingdom provide successful examples of universal healthcare systems that deliver better health outcomes at lower costs compared to the U.S. system. Education policy is another area where progressive alternatives can counteract Project 2025’s agenda. Investing in public education, increasing funding for schools in underserved communities, and promoting inclusive curricula that reflect the diversity of American society are essential steps toward achieving educational equity. Progressive education policies prioritize the needs of students and educators over privatization efforts and standardized testing, ensuring that all children have access to a high-quality education.

novels [4]. It follows that authentic text—text written for native speakers—is inappropriate for unassisted ER by all but the most advanced learners. For this reason, many educators advocate the use of learner literature, that is, stories written specifically for L2 learners, or adapted from authentic text [5]. For learners of English, there are over 40 graded reader series, consisting of over 1650 books with a variety of difficulty levels and genres [6].However, the time and expense in producing graded readers results in high purchase costs and limited availability in languages other than English and common L2‘s like Spanish and French. At a cost of £2.50 for a short English reader in 2001 [7] purchasing several thousand readers to cater for a school wide ER program requires a significant monetary investment. More affordable options are required, especially for schools in developing nations. Day and Bamford [8] recommend several alternatives when learner literature is not available. These include children's and young adult books, stories written by learners, newspapers, magazines and comic books. Some educators advocate the use of authentic texts in preference to simplified texts. Berardo [9] claims that the language in learner literature is ―artificial and unvaried‖, ―unlike anything that the learner will encounter in the real world‖ and often ―do not reflect how the language is really used‖. Berardo does concede that simplified texts are ―useful for preparing learners for reading 'real' texts. ‖ 2. ASSISTED READING Due to the large proportion of unknown vocabulary, beginner and intermediate learners require assistance when using authentic text for ER. Two popular forms of assistance are dictionaries and glossing. There are pros and cons of each approach. 1 A group of words that share the same root word, e.g. , run, ran, runner, runs, running. Permission to make digital or hard copies of all or part of this work for personal or classroom use is granted without fee provided that copies are not made or distributed for profit or commercial advantage and that copies bear this notice and the full citation on the first page. To copy otherwise, or republish, to post on servers or to redistribute to lists, requires prior specific permission and/or a fee.NZCSRSC’11, April 18-21, 2011, Palmerston North, New Zealand

The private-equity approach can take the form of simple improvements, such as changing irrigation from antiquated dykes and canal networks to automatic spray systems: these are the equivalent of picking low-hanging fruit. Pricey robots can boost milk per cow by 10-15%. Using “big-data” analytics to plant and cultivate seeds can push crop yields up 5%. “This is an industry where the gap between the top and bottom quartile is greater than anywhere else,” says Detlef Schoen of Aquila Capital, an alternative-investment firm. And yet the 36 agriculture-focused funds, with $15 billion under management, pale in comparison to the 144 funds focused on infrastructure ($89 billion) and 473 targeting real estate ($163 billion), according to Preqin, a data provider. TIAA-CREF, an American financial group, is a market leader with $5 billion in farmland, from Australia to Brazil, and its own agricultural academic centre at the University of Illinois. Canadian pension funds and Britain’s Wellcome Trust are among those bolstering their farming savvy.

The alternative to a strong faith in the invisible hand is not central planning, as Blinder implies, which is the cheap way to refute my criticism. It is serious government regulatory vigilance and public investment.

Transit-for-all is about values. Improving public transportation is about giving all Americans the freedom of equal access to social and economic opportunities that enhance our quality of life. Investing in alternative transportation is using the common wealth for the common good. It is an expansion of freedom, creating more diverse transportation. Transit-for-all is a progressive strategic initiative to advance many of our goals at once. It’s an economic issue. It would increase mobility of goods and labor. It would revitalize neglected neighborhoods. And it would spur growth and attract development. It’s a labor issue.

Debates similar to those about the fetus were once conducted about the personhood of women and girls. A woman was once viewed as incorporated into the “one flesh” of her husband’s person; she, too, was a form of bodily property. In all unjust patriarchal systems, lesser orders of human life are granted rights only when wanted, chosen, or invested with value by the powerful. As recent immigrants from “nonpersonhood,” feminists have traditionally fought for justice for both themselves and others who have their personhood threatened by the powerful. Rejecting male aggression and destruction, feminists seek alternative, peaceful, ecologically sensitive means to resolve conflicts. It is a chilling inconsistency to see pro-choice feminists demanding continued access to assembly-line, technological methods of fetal killing. It is a betrayal of feminism, which has built the struggle for justice on the bedrock of women’s empathy and nonviolence.

Consider that NASA invests tens of millions of dollars to train a single astronaut. And these days, until we have an alternative, the United States pays Russia at least $80 million for each seat on a Soyuz rocket to taxi astronauts to the International Space Station.

Like Bitcoin, there is little stopping Ethereum from being an alternative currency to fiat and commodity currencies. You can conceivably trade anything using Ethereum, but this is not Ethereum’s strength in comparison to other cryptocurrencies (CCs) – they can all do this. It’s rather the computing language that allows the smart contracts to exist that makes Ethereum more valuable than BTC (in my opinion).

The ideal category offers alternatives in all major segments, covers a range of price points and optimises impulse buying. Since retailers focus on categories, manufacturers need to view their brand as being part of a category, and should aim to create (or invest in) brands that have a category-strategic, rather than simply a brand-strategic, role.

Most commitment companies avoided layoffs unless there was no other alternative. They invested heavily in training. There were higher levels of teamwork and psychological safety. Commitment companies might not have had lavish cafeterias, but they offered generous maternity leaves, daycare programs, and work-from-home options.

Some people believe labor-saving technological change is bad for the workers because it throws them out of work. This is the Luddite fallacy, one of the silliest ideas to ever come along in the long tradition of silly ideas in economics. Seeing why it's silly is a good way to illustrate further Solow's logic. The original Luddites were hosiery and lace workers in Nottingham, England, in 1811. They smashed knitting machines that embodied new labor-saving technology as a protest against unemployment (theirs), publicizing their actions in circulars mysteriously signed "King Ludd." Smashing machines was understandable protection of self-interest for the hosiery workers. They had skills specific to the old technology and knew their skills would not be worth much with the new technology. English government officials, after careful study, addressed the Luddites' concern by hanging fourteen of them in January 1813. The intellectual silliness came later, when some thinkers generalized the Luddites' plight into the Luddite fallacy: that an economy-wide technical breakthrough enabling production of the same amount of goods with fewer workers will result in an economy with - fewer workers. Somehow it never occurs to believers in Luddism that there's another alternative: produce more goods with the same number of workers. Labor-saving technology is another term for output-per-worker-increasing technology. All of the incentives of a market economy point toward increasing investment and output rather than decreasing employment; otherwise some extremely dumb factory owners are foregoing profit opportunities. With more output for the same number of workers, there is more income for each worker. Of course, there could very well be some unemployment of workers who know only the old technology - like the original Luddites - and this unemployment will be excruciating to its victims. But workers as a whole are better off with more powerful output-producing technology available to them. Luddites confuse the shift of employment from old to new technologies with an overall decline in employment. The former happens; the latter doesn't. Economies experiencing technical progress, like Germany, the United Kingdom, and the United States, do not show any long-run trend toward increasing unemployment; they do show a long-run trend toward increasing income per worker. Solow's logic had made clear that labor-saving technical advance was the only way that output per worker could keep increasing in the long run. The neo-Luddites, with unintentional irony, denigrate the only way that workers' incomes can keep increasing in the long-run: labor-saving technological progress. The Luddite fallacy is very much alive today. Just check out such a respectable document as the annual Human Development Report of the United Nations Development Program. The 1996 Human Development Report frets about "jobless growth" in many countries. The authors say "jobless growth" happens whenever the rate of employment growth is not as high as the rate of output growth, which leads to "very low incomes" for millions of workers. The 1993 Human Development Report expressed the same concern about this "problem" of jobless growth, which was especially severe in developing countries between 1960 and 1973: "GDP growth rates were fairly high, but employment growth rates were less than half this." Similarly, a study of Vietnam in 2000 lamented the slow growth of manufacturing employment relative to manufacturing output. The authors of all these reports forget that having GDP rise faster than employment is called growth of income per worker, which happens to be the only way that workers "very low incomes" can increase.

people prefer the low-risk option in the positive frame and the risky alternative in the negative frame, which is predicted by prospect theory.

Without dioceses, local parishes and village churches could barely continue, even if the villages themselves could have long survived the constant turmoil and bloodshed. And as we have seen, monasteries and shrines could not last for long in an environment of prolonged warfare. The strength of early and medieval Christianity was that it created a sanctified landscape in which Christian institutions were visible everywhere. The weakness of being so heavily invested in real estate was that it left an almost infinite abundance of tempting targets for plunder and destruction, and once these were gone, so were many of the forces that kept believers attached to the faith. The question must arise as to whether some other kind of organization might have offered a better chance of resisting decline. In theory, we can imagine church structures less dependent on monks and clergy, and lacking the tight hierarchy dependent on the empire’s cities. Retroactively, we could even think of a Christianity that looked more Protestant, in the sense of placing more control and initiative in the hands of ordinary believers, whose decentralized church life would depend less on institutions than on direct access to the scriptures. But such an alternative is difficult to conceive realistically, as monasticism and episcopacy were so deeply en-grained in Eastern tradition, while the Protestant idea of access to the Bible assumes forms of printing technology that would not be feasible until centuries afterward. And the annihilation of European heretics like the Cathars suggests that even quite imaginative forms of clandestine organization could not withstand unrelenting persecution.

Social Networks Censorship on social media is common, especially on forums. Some companies are working to create a type of decentralized online community that operates on an open source code. This means that it will be built on smart contracts that will eliminate censorship. Whether this is good or bad is subjective, but it serves to show the diversity of smart contracts and blockchain applications. One example of an Ethereum-based social network is Akasha. Akasha lets users publish, share, and vote for work that has been published on its platform. It aims to provide a decentralized option that gives an alternative to services such as Medium and WordPress. The system works by giving monetary incentives in the form of Ether to users to encourage engaging and rich content. Insurance