Apartment Investment Quotes

So many of us invest a fortune making ourselves look good to the world, yet inside we are falling apart. It's time to invest on the inside.

The Kielburgers are extremely accomplished and educated people who have demonstrated that they know how to build an organization, sell a vision, and court powerful people. If they had wanted to make loads of money and eat caviar on a private yacht, they could have taken lucrative private-sector jobs and done just that. It is absurd to think that they instead decided to work sixteen-hour days for twenty-five years, spend hundreds of days per year apart from their families, and invest everything they had in building a global charity—all as a means to funnel money back to themselves.

If human nature felt no temptation to take a chance, no satisfaction (profit apart) in constructing a factory, a railway, a mine or a farm, there might not be much investment merely as a result of cold calculation.

Reading for me, was like breathing. It was probably akin to masturbation for my brain. Getting off on the fantasy within the pages of a good novel felt necessary to my survival. If I wasn't asleep, knitting, or working, I was reading. This was for several reasons, all of them focused around the infititely superior and enviable lives of fictional heroines to real-life people. Take romans for instance. Fictional women in romance novels never get their period. They never have morning breath. They orgasm seventeen times a day. And they never seem to have jobs with bosses. These clean, well-satisfied, perm-minty-breathed women have fulfilling careers as florists, bakery owners, hair stylists or some other kind of adorable small business where they decorate all day. If they do have a boss, he's a cool guy (or gal) who's invested in the woman's love life. Or, he's a super hot billionaire trying to get in her pants. My boss cares about two things: Am I on time ? Are all my patients alive and well at the end of my shift? And the mend in the romance novels are too good to be true; but I love it, and I love them. Enter stage right the independently wealthy venture capitalist suffering from the ennui of perfection until a plucky interior decorator enters stage left and shakes up his life and his heart with perky catch phrases and a cute nose that wrinkles when she sneezes. I suck at decorating. The walls of my apartment are bare. I am allergic to most store-bought flowers. If I owned a bakery, I'd be broke and weigh seven hundred pounds, because I love cake.

If the world was perfect and smooth we would want to pay everything for cash and never need to get loans. But having any other loans apart from school loan and a mortgage is a huge mistake, these are the only loans which can give you tax breaks and an opportunity to use your monthly cash flow to invest or build savings

I believe that it’s this optimism about the future that sets us apart as a people, this optimism that makes America an exceptional nation. We built this country by striking out on new adventures and propelling ourselves forward on a path we named progress. Along the way, we learned that when we invest in one another, when we build schools and roads and research labs, we build a better future—a better future for ourselves and our children and our grandchildren. Equality. Opportunity. The pursuit of happiness. An America that builds something better for the next kid and the kid after that and the kid after that. No one is asking for a handout. All we want is a country where everyone pays a fair share, a country where we build opportunities for all of us; a country where everyone plays by the same rules and everyone is held accountable. And we have begun to fight for it. I believe in us. I believe in what we can do together, in what we will do together. All we need is a fighting chance.

So here is what this movement of millions should do, for a start: announce and enforce the prohibition. Damage and destroy new CO2-emitting devices. Put them out of commission, pick them apart, demolish them, burn them, blow them up. Let the capitalists who keep on investing in the fire know that their properties will be trashed.

Keto wasn’t just any dog. He was vicious, trained to be a killing machine when called on. Pack had invested much time and effort into training Keto. He hadn’t barked before attacking the murderer. It was close to a stealth attack. Probably flew through the air the final eight or ten feet. Mouth open wide, upper and lower incisors ready to rip the prey apart painfully, efficiently.  And the killer’s screams weren’t just any screams. They were shrieks, the kind arising from sheer terror. Knowing your means of defense are dead, as dead as you soon will be.  

The largest animal in the ocean and the largest living land animal were no more than a hundred yards apart, and I was convinced that they were communicating! In infrasound, in concert, sharing big brains and long lives, understanding the pain of high investment in a few precious offspring, aware of the importance and the pleasure of complex sociality, these rare and lovely great ladies were commiserating over the back fence of this rocky Cape shore, woman to woman, matriarch to matriarch,

The end result was that people stopped investing in apartment buildings, and a huge shortage in rentals and housing forced many Egyptians to live in horrible conditions with several families sharing one small apartment. The effects of the harsh rent control is still felt today in Egypt. Mistakes like that can last for generations.2

I thought I had loved someone once, but if this is what it's supposed to feel like, now I know my heart was never fully invested before. I loved the idea of the life I thought I was going to have, but with Indy, even if we spend the rest of our days just the two of us in this apartment, I'd die a happy man with an abundantly fulfilled life.

Apartments aren't supposed to be investments, Zara replied gloomily. What are they supposed to be, then? Homes.

Let your job pay for your apartments and your apartments pay for your lifestyle

One must run his life and set himself apart to do that which he was born to do.

Cheap objects resist involvement. We tend to invest less in their purchase, care, and maintenance, and that's part of what makes them so attractive. Cheap clothing lines—sold at discounters such as Target and H & M—are like IKEA emblems of the "cheap chic" where styles fills in for whatever quality goes lacking. There is nothing sinister in this, no deliberate planned obsolescence. These objects are not designed to fall apart, nor are they crafted not to fall apart. In many cases we know this and accept it, and have entered into a sort of compact. Perhaps we don't even want the object to last forever. Such voluntary obsolescence makes craftsmanship beside the point. We have grown to expect and even relish the easy birth and early death of objects.

18 NEVER PAY YOUR LAWYER BY THE HOUR Incentive Super-Response Tendency To control a rat infestation, French colonial rulers in Hanoi in the nineteenth century passed a law: for every dead rat handed in to the authorities, the catcher would receive a reward. Yes, many rats were destroyed, but many were also bred specially for this purpose. In 1947, when the Dead Sea scrolls were discovered, archaeologists set a finder’s fee for each new parchment. Instead of lots of extra scrolls being found, they were simply torn apart to increase the reward. Similarly, in China in the nineteenth century, an incentive was offered for finding dinosaur bones. Farmers located a few on their land, broke them into pieces and cashed in. Modern incentives are no better: company boards promise bonuses for achieved targets. And what happens? Managers invest more energy in trying to lower the targets than in growing the business. These are examples of the incentive super-response tendency. Credited to Charlie Munger, this titanic name describes a rather trivial observation: people respond to incentives by doing what is in their best interests. What is noteworthy is, first, how quickly and radically people’s behaviour changes when incentives come into play or are altered and, second, the fact that people respond to the incentives themselves and not the grander intentions behind them.

That was true, Iris would sometimes think, about marriage: it was only a boat, too. A wooden boat, difficult to build, even more difficult to maintain, whose beauty derived at least in part from its unlikelihood. Long ago the pragmatic justifications for both marriage and wooden-boat building had been lost or superseded. Why invest countless hours, years, and dollars in planing and carving, gluing and fastening, caulking and fairing, when a fiberglass boat can be had at a fraction of the cost? Why struggle to maintain love and commitment over decades when there were far easier ways to live, ones that required no effort or attention to prevent corrosion and rot? Why continue to pour your heart into these obsolete arts? Because their beauty, the way they connect you to your history and to the living world, justifies your efforts. A long marriage, like a classic wooden boat, could be a thing of grace, but only if great effort was devoted to its maintenance. At first your notions of your life with another were no more substantial than a pattern laid down in plywood. Then year by year you constructed the frame around the form, and began layering memories, griefs, and small triumphs like strips of veneer planking bent around the hull of everyday routine. You sanded down the rough edges, patched the misunderstandings, faired the petty betrayals. Sometimes you sprung a leak. You fell apart in rough weather or were smashed on devouring rocks. But then, as now, in the teeth of a storm, when it seemed like all was lost, the timber swelled, the leak sealed up, and you found that your craft was, after all, sea-kindly.

Most of the church landscape in my lifetime has been heavily invested in trying to do something for Jerry or Sherri or some other icon of unchurchness. The problem is that they have been only about themselves from the moment they could wail for their mothers, and the decision to give them at church what they can find in any self-help book appears now as a choice to abandon the One in whose honor the church gathers. What they need is to be set free from themselves with finality and to be lost in the awesome wonder of the manifest presence of God. It was never God’s desire that He would sit on the sideline and watch us frantically devise impressive ways to reach people or simply hold the line on orthodoxy as though faithfulness can exist in a vacuum apart from fruitfulness. God is the Matter of first importance! Can you say that about your current weekly encounter with church?

Not having children together, we didn't have that joint investment, the glue that bonds couples even if eventually it comes apart, like a photograph coming loose from its page in an album, the sticky squares drying out and turning to dust

What set apart Sumer, as well as pharaonic Egypt, ancient China and the Inca Empire, is that these cultures developed good techniques of archiving, cataloguing and retrieving written records. They also invested in schools for scribes, clerks, librarians and accountants.

The rest of us, on the ·other hand-we members of the protected classes-have grown increasingly· dependent on our welfare programs. In 2020 the federal government spent more than $193 billion on homeowner subsidies, a figure that far exceeded the amount spent on direct housing assistance for low income families ($53 billion). Most families who enjoy those subsidies have six-figure incomes and are white. Poor families lucky enough to live in government-owned apartments of often have to deal with mold and even lead paint, while rich families are claiming the mortgage interest deduction on first and second homes. The lifetime limit for cash welfare to poor parents is five years, but families claiming the mortgage interest deduction may do so for the length of the mortgage, typically thirty years. A fifteen-story public housing tower and a mortgaged suburban home are both government subsidized, but only one looks (and feels) that way. If you count all public benefits offered by the federal government, America's welfare state (as a share of its gross domestic product) is the second biggest in the world, after France's. But that's true only if you include things like government-subsidized retirement benefits provided by employers, student loans and 529 college savings plans, child tax credits, and homeowner subsidies: benefits disproportionately flowing to Americans well above the poverty line. If you put aside these tax breaks and judge the United States solely by the share of its GDP allocated to programs directed at low-income citizens, then our investment in poverty reduction is much smaller than that of other rich nations. The American welfare state is lopsided.

At the cocktail party or singles bar, you are on the lookout for the woman who materializes your girlfriend or wife fantasy. You set out to lure and settle her into your own bed, apartment, and domesticated retreat from the world, where she will be the medium for your selfrecognition in daily conversation where everything she says responds to what you say, think, and fantasize. But you do not know a woman until you find yourself blessing the universe and her because she has made you laugh and laugh at yourself, until she has made you cry, until you find yourself cursing her and yourself because she makes you weep as no hammer-blow hurled at your thumb or collapse of all your investments ever has or could.

As soon as two people have resolved to give up their togetherness, the resulting pain with its heaviness or particularity is already so completely part of the life of each individual that the other has to sternly deny himself to become sentimental and feel pity. The beginning of the agreed-upon separation is marked precisely by this pain, and its first challenge will be that this pain already belongs separately to each of the two individuals. This pain is an essential condition of what the now solitary and most lonely individual will have to create in the future out of his reclaimed life. If two people managed not to get stuck in hatred during their honest struggles with each other, that is, in the edges of their passion that became ragged and sharp when it cooled and set, if they could stay fluid, active, flexible, and changeable in all of their interactions and relations, and, in a word, if a mutually human and friendly consideration remained available to them, then their decision to separate cannot easily conjure disaster and terror. When it is a matter of a separation, pain should already belong in its entirety to that other life from which you wish to separate. Otherwise the two individuals will continually become soft toward each other, causing helpless and unproductive suffering. In the process of a firmly agreed-upon separation, however, the pain itself constitutes an important investment in the renewal and fresh start that is to be achieved on both sides. People in your situation might have to communicate as friends. But then these two separated lives should remain without any knowledge of the other for a period and exist as far apart and as detached from the other as possible. This is necessary for each life to base itself firmly on its new requirements and circumstances. Any subsequent contact (which may then be truly new and perhaps very happy) has to remain a matter of unpredictable design and direction. If you find that you scare yourself.

Put on some tea. I’m coming over. And don’t even think about having another childish fit and leaving the apartment. You might have given Ronan Fitzpatrick the slip, but I will hunt you down and make your life very uncomfortable until I am satisfied that you’ve learned your lesson. You can’t run away from people who care about you and are invested in your success and happiness. It’s a dick move, Annie. Don’t be a dick.

I watch, and the mothers watch. I do not know how to interact with the mothers. Am I them? They occasionally try to include me in a conversation, but it’s clear they don’t know what to make of me. I look over and smile when one of them makes a joke that is laughed at by all. They laugh, I chuckle—not too much, I don’t want to seem overeager, but enough to say “I hear you. I laugh with you. I share in the moment.” But when the chuckling is over I am still apart, something else, and no one is sure what I am. They don’t want to invest their time in the brother sent to pick up Toph while his mother cooks dinner or is stuck at work or in traffic. To them I’m a temp. A cousin maybe. The young boyfriend of a divorcee? They don’t care. Fuck it. I don’t want to be friends with these women, anyway. Why would I care? I am not them. They are the old model and we are the new.

He had envisioned a river of rent payments from apartments and businesses that would eventually pay off his financiers and yield millions of dollars in net revenues even as inflation drove up the value of the property. This formula—investment + time = revenue and higher value—was the magic of real estate. By following it, Fred Trump had amassed assets that allowed him to develop ever bigger projects while simultaneously reducing the risk to his personal fortune.

That animal is not your possession. He doesn't exist for your amusement. He has needs, instincts. Urges." The way he said that word, in that deep, earthy growl, had chills rippling over her skin. She swallowed hard. "Urges?" "Yes. Urges." He sauntered toward her- as much as a man could saunter in knee-deep water. "But what could a lady like you know about those?" "Oh, I understand urges. Right now, I have the powerful urge to do this." She shoved him hard in the chest, hoping to send him flailing backward into the river. He didn't budge. Not a teeter. Not a totter. Not even a blink. Penny would not surrender. She took a step in reverse and then tried again, adding the weight of her body to the effort. This time, he was ready for her. He caught her wrists in his hands, stopping her before she could even make contact. "Now, now, Your Ladyship. This is most unbecoming behavior." "I know that." She clenched her hands into fists. "You are so maddening. You have a way of provoking me, unlike anyone I've ever known. It's as though I become a different person when I'm around you, and I'm not certain I like her." He pulled her to him. "I like her." Penny expected he would shortly ruin that statement. I like her- smoldering pause- potential to increase the return on my property investment. Not this time. Instead, he lowered his head until his mouth brushed hers. Teased her lips apart, until his tongue brushed hers. And then they tumbled together against the riverbank, and his everything brushed hers.

I watch, and the mothers watch. I do not know how to interact with the mothers. Am I them? They occasionally try to include me in a conversation, but it’s clear they don’t know what to make of me. I look over and smile when one of them makes a joke that is laughed at by all. They laugh, I chuckle—not too much, I don’t want to seem overeager, but enough to say “I hear you. I laugh with you. I share in the moment.” But when the chuckling is over I am still apart, something else, and no one is sure what I am. They don’t want to invest their time

The integrationist transformation of King as color-blind and race-neutral erases the actual King. He did not live to integrate Black spaces and people into White oblivion. If he did, then why did he build low-income Atlanta apartments “using Negro workmen, Negro architects, Negro attorneys, and Negro financial institutions throughout,” as he proudly reported in 1967? Why did he urge Black people to stop being “ashamed of being Black,” to invest in their own spaces? The child of a Black neighborhood, church, college, and organization lived to ensure equal access to public accommodations and equal resources for all racialized spaces, an antiracist strategy as culture-saving as his nonviolence was body-saving.

Interesting Avil, the priests and the acolytes of the various religions and temples of Torea build their whole lives on a lie. At first, as children they believe it. Maybe as they grow older and more wise they see the absurdness of their beliefs, but by that time they have invested time and emotional energy into those beliefs, then seeing them crumble and fall apart would be too hard for them to bear. So the protect the lie, they shore it up with more lies and they ebb out their short lives, knowing what they preach is untrue, but preaching it all the same... Almost as if preaching it hard enough will make it true... Are they trying to convince their congregation? Or themselves? You are wiser than you look Avil.

As with any other flow activity, family activities should also provide clear feedback. In this case, it is simply a matter of keeping open channels of communication. If a husband does not know what bothers his wife, and vice versa, neither has the opportunity to reduce the inevitable tensions that will arise. In this context it is worth stressing that entropy is the basic condition of group life, just as it is of personal experience. Unless the partners invest psychic energy in the relationship, conflicts are inevitable, simply because each individual has goals that are to a certain extent divergent from those of all other members of the family. Without good lines of communication the distortions will become amplified, until the relationship falls apart. Feedback

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.

a young Goldman Sachs banker named Joseph Park was sitting in his apartment, frustrated at the effort required to get access to entertainment. Why should he trek all the way to Blockbuster to rent a movie? He should just be able to open a website, pick out a movie, and have it delivered to his door. Despite raising around $250 million, Kozmo, the company Park founded, went bankrupt in 2001. His biggest mistake was making a brash promise for one-hour delivery of virtually anything, and investing in building national operations to support growth that never happened. One study of over three thousand startups indicates that roughly three out of every four fail because of premature scaling—making investments that the market isn’t yet ready to support. Had Park proceeded more slowly, he might have noticed that with the current technology available, one-hour delivery was an impractical and low-margin business. There was, however, a tremendous demand for online movie rentals. Netflix was just then getting off the ground, and Kozmo might have been able to compete in the area of mail-order rentals and then online movie streaming. Later, he might have been able to capitalize on technological changes that made it possible for Instacart to build a logistics operation that made one-hour grocery delivery scalable and profitable. Since the market is more defined when settlers enter, they can focus on providing superior quality instead of deliberating about what to offer in the first place. “Wouldn’t you rather be second or third and see how the guy in first did, and then . . . improve it?” Malcolm Gladwell asked in an interview. “When ideas get really complicated, and when the world gets complicated, it’s foolish to think the person who’s first can work it all out,” Gladwell remarked. “Most good things, it takes a long time to figure them out.”* Second, there’s reason to believe that the kinds of people who choose to be late movers may be better suited to succeed. Risk seekers are drawn to being first, and they’re prone to making impulsive decisions. Meanwhile, more risk-averse entrepreneurs watch from the sidelines, waiting for the right opportunity and balancing their risk portfolios before entering. In a study of software startups, strategy researchers Elizabeth Pontikes and William Barnett find that when entrepreneurs rush to follow the crowd into hyped markets, their startups are less likely to survive and grow. When entrepreneurs wait for the market to cool down, they have higher odds of success: “Nonconformists . . . that buck the trend are most likely to stay in the market, receive funding, and ultimately go public.” Third, along with being less recklessly ambitious, settlers can improve upon competitors’ technology to make products better. When you’re the first to market, you have to make all the mistakes yourself. Meanwhile, settlers can watch and learn from your errors. “Moving first is a tactic, not a goal,” Peter Thiel writes in Zero to One; “being the first mover doesn’t do you any good if someone else comes along and unseats you.” Fourth, whereas pioneers tend to get stuck in their early offerings, settlers can observe market changes and shifting consumer tastes and adjust accordingly. In a study of the U.S. automobile industry over nearly a century, pioneers had lower survival rates because they struggled to establish legitimacy, developed routines that didn’t fit the market, and became obsolete as consumer needs clarified. Settlers also have the luxury of waiting for the market to be ready. When Warby Parker launched, e-commerce companies had been thriving for more than a decade, though other companies had tried selling glasses online with little success. “There’s no way it would have worked before,” Neil Blumenthal tells me. “We had to wait for Amazon, Zappos, and Blue Nile to get people comfortable buying products they typically wouldn’t order online.

Two nights after the Chaworth ball, Gabriel practiced at the billiards table in the private apartments above Jenner's. The luxurious rooms, which had once been occupied by his parents in the earlier days of their marriage, were now reserved for the convenience of the Challon family. Raphael, one of his younger brothers, usually lived at the club, but at the moment was on an overseas trip to America. He'd gone to source and purchase a large quantity of dressed pine timber on behalf of a Challon-owned railway construction company. American pine, for its toughness and elasticity, was used as transom ties for railways, and it was in high demand now that native British timber was in scarce supply. The club wasn't the same without Raphael's carefree presence, but spending time alone here was better than the well-ordered quietness of his terrace at Queen's Gate. Gabriel relished the comfortably masculine atmosphere, spiced with scents of expensive liquor, pipe smoke, oiled Morocco leather upholstery, and the acrid pungency of green baize cloth. The fragrance never failed to remind him of the occasions in his youth when he had accompanied his father to the club. For years, the duke had gone almost weekly to Jenner's to meet with managers and look over the account ledgers. His wife Evie had inherited it from her father, Ivo Jenner, a former professional boxer. The club was an inexhaustible financial engine, its vast profits having enabled the duke to improve his agricultural estates and properties, and accumulate a sprawling empire of investments. Gaming was against the law, of course, but half of Parliament were members of Jenner's, which had made it virtually exempt from prosecution. Visiting Jenner's with his father had been exciting for a sheltered boy. There had always been new things to see and learn, and the men Gabriel had encountered were very different from the respectable servants and tenants on the estate. The patrons and staff at the club had used coarse language and told bawdy jokes, and taught him card tricks and flourishes. Sometimes Gabriel had perched on a tall stool at a circular hazard table to watch high-stakes play, with his father's arm draped casually across his shoulders. Tucked safely against the duke's side, Gabriel had seen men win or lose entire fortunes in a single night, all on the tumble of dice.

How Google Works (Schmidt, Eric) - Your Highlight on Location 3124-3150 | Added on Sunday, April 5, 2015 10:35:40 AM In late 1999, John Doerr gave a presentation at Google that changed the company, because it created a simple tool that let the founders institutionalize their “think big” ethos. John sat on our board, and his firm, Kleiner Perkins, had recently invested in the company. The topic was a form of management by objectives called OKRs (to which we referred in the previous chapter), which John had learned from former Intel CEO Andy Grove.173 There are several characteristics that set OKRs apart from their typical underpromise-and-overdeliver corporate-objective brethren. First, a good OKR marries the big-picture objective with a highly measurable key result. It’s easy to set some amorphous strategic goal (make usability better … improve team morale … get in better shape) as an objective and then, at quarter end, declare victory. But when the strategic goal is measured against a concrete goal (increase usage of features by X percent … raise employee satisfaction scores by Y percent … run a half marathon in under two hours), then things get interesting. For example, one of our platform team’s recent OKRs was to have “new WW systems serving significant traffic for XX large services with latency < YY microseconds @ ZZ% on Jupiter.”174 (Jupiter is a code name, not the location of Google’s newest data center.) There is no ambiguity with this OKR; it is very easy to measure whether or not it is accomplished. Other OKRs will call for rolling out a product across a specific number of countries, or set objectives for usage (e.g., one of the Google+ team’s recent OKRs was about the daily number of messages users would post in hangouts) or performance (e.g., median watch latency on YouTube videos). Second—and here is where thinking big comes in—a good OKR should be a stretch to achieve, and hitting 100 percent on all OKRs should be practically unattainable. If your OKRs are all green, you aren’t setting them high enough. The best OKRs are aggressive, but realistic. Under this strange arithmetic, a score of 70 percent on a well-constructed OKR is often better than 100 percent on a lesser one. Third, most everyone does them. Remember, you need everyone thinking in your venture, regardless of their position. Fourth, they are scored, but this scoring isn’t used for anything and isn’t even tracked. This lets people judge their performance honestly. Fifth, OKRs are not comprehensive; they are reserved for areas that need special focus and objectives that won’t be reached without some extra oomph. Business-as-usual stuff doesn’t need OKRs. As your venture grows, the most important OKRs shift from individuals to teams. In a small company, an individual can achieve incredible things on her own, but as the company grows it becomes harder to accomplish stretch goals without teammates. This doesn’t mean that individuals should stop doing OKRs, but rather that team OKRs become the more important means to maintain focus on the big tasks. And there’s one final benefit of an OKR-driven culture: It helps keep people from chasing competitors. Competitors are everywhere in the Internet Century, and chasing them (as we noted earlier) is the fastest path to mediocrity. If employees are focused on a well-conceived set of OKRs, then this isn’t a problem. They know where they need to go and don’t have time to worry about the competition. ==========

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Paul tells us: “because our gospel came to you not only in word, but also in power and in the Holy Spirit and with full conviction” (1 Thessalonians 1:4 – 5). The gospel they believed and received wasn’t just a theological construct or a churchy platitude. Sure, it came through spoken and written words, and it was preached, taught, and shared. But it also came in power. Often Christians are either “word” people or “power” people. On the one hand, we may lean toward a rationalized Christianity. This type of Christianity holds to the gospel Word without gospel power. It preaches, teaches, catechizes, studies, memorizes, and shares the word but with little effect. It possesses “wise and persuasive words” but not “demonstration of the Spirit and of power” (1 Corinthians 2:4). This kind of Christianity can master systematic, biblical, and historical theology without being mastered by Christ. It can identify idols but remains powerless to address their power. Why? Because it replaces the power of the Spirit with the power of knowledge. On the other hand, there is an equal danger in spiritualized Christianity. Such Christianity prays, sings, shouts, and claims victory over a lost world without lifting a finger to share God’s gospel. It is not enough to pray for power; we must proclaim God’s Word. The power of the Spirit works through the proclaimed Word. Faith comes by hearing, and hearing by the word of Christ. My pastor during college, Tom Nelson, always said: “Don’t just stand on a shovel and pray for a hole.” Spiritualized Christianity tends to stand and pray, emphasizing private or emotional experiences with God. What we need is prayer and proclamation, power and Word. The Thessalonians had word and power, they grew in understanding and experience, but they also had full conviction. It is not enough to have spiritual power and good theology. These must also be coupled with faith, an active embrace of God’s promises in Christ, which brings about conviction. Full conviction comes when we are set free from false forms of security and experience Spirit-empowered faith in the word of Christ. It springs from genuine encounter with Christ. Full conviction transcends intellectual doubt and emotional experiences, and in the silence of persecution it says: “Christ is enough.” True security, deep security, comes through the reasonable, powerful, Christ-centered conviction that Jesus is enough, not only for us but for the world. When we falter, the church is present to exhort, encourage, and pray for one another to set apart Christ as Lord in our hearts. May we toss out the penny stocks of the fear of man to invest deeply in the limitless riches of Christ.

The sensation I was feeling on the clifftop was some sort of reverberation in the air itself.… The whale had submerged and I was still feeling something. The strange rhythm seemed now to be coming from behind me, from the land, so I turned to look across the gorge … where my heart stopped.… Standing there in the shade of the tree was an elephant … staring out to sea!… A female with a left tusk broken off near the base.… I knew who she was, who she had to be. I recognized her from a color photograph put out by the Department of Water Affairs and Forestry under the title “The Last Remaining Knysna Elephant.” This was the Matriarch herself.… She was here because she no longer had anyone to talk to in the forest. She was standing here on the edge of the ocean because it was the next, nearest, and most powerful source of infrasound. The underrumble of the surf would have been well within her range, a soothing balm for an animal used to being surrounded by low and comforting frequencies, by the lifesounds of a herd, and now this was the next-best thing. My heart went out to her. The whole idea of this grandmother of many being alone for the first time in her life was tragic, conjuring up the vision of countless other old and lonely souls. But just as I was about to be consumed by helpless sorrow, something even more extraordinary took place.… The throbbing was back in the air. I could feel it, and I began to understand why. The blue whale was on the surface again, pointed inshore, resting, her blowhole clearly visible. The Matriarch was here for the whale! The largest animal in the ocean and the largest living land animal were no more than a hundred yards apart, and I was convinced that they were communicating! In infrasound, in concert, sharing big brains and long lives, understanding the pain of high investment in a few precious offspring, aware of the importance and the pleasure of complex sociality, these rare and lovely great ladies were commiserating over the back fence of this rocky Cape shore, woman to woman, matriarch to matriarch, almost the last of their kind. I turned, blinking away the tears, and left them to it. This was no place for a mere man.… Early afternoon. They were coming to this place, to this tall grass, all along. They will feed here for a while and then, because there’s no water right here, go down to where those egrets are. There’s water there. After they’ve had a good drink, they might make a big loop and come back here again later to feed some more. It will be a one-family-at-a-time choice as the adults decide when to drink and bathe. When elephants are finally ready to make a significant move, everyone points in the same direction. But they do wait until the matriarch decides. “I’ve seen families cued up waiting for half an hour,” comments Vicki, “waiting for the matriarch to signal, ‘Okay.’” And now they go. Makelele, eleven years old, walks with a deep limp. Five years ago he showed up with a broken right rear leg. It must have been agony, and it’s healed at a horrible angle, almost as if his knee faces backward, shaping that leg like the hock on a horse. Yet he is here, surviving with a little help from his friends. “He’s slow,” Vicki acknowledges. “It’s remarkable that he’s managing, but his family seems to wait for him.” Another Amboseli elephant, named Tito, broke a leg when he was a year old, probably from falling into a garbage pit.

QUALITY TIME, QUANTITY TIME Teach us to number our days carefully so that we may develop wisdom in our hearts. Psalm 90:12 HCSB Make no mistake: caring for your family requires time—lots of time. You’ve probably heard about “quality time” and “quantity time.” Your family needs both. So, as a responsible Christian, you should willingly invest large quantities of your time and energy in the care and nurturing of your clan. While caring for your family, you should do your best to ensure that God remains squarely at the center of your household. When you do, God will bless you and yours in ways that you could have scarcely imagined. There is so much compassion and understanding that is gained when we’ve experienced God’s grace firsthand within our own families. Lisa Whelchel Apart from religious influence, the family is the most important influence on society. Billy Graham A TIMELY TIP Your family is a precious gift from above, a gift that should be treasured, nurtured, and loved.

Sagar, I never think of the past. To me, yesterday was good but so is today. The future would be amazing if you invest your trust and love in it.

as the manager of the club explained, you didn’t have a dog and bark yourself. They brought in the punters – along with the named DJs, who were a breed apart already. Not that he was complaining, of course. And as he was now going to be one of the main drug suppliers, he knew that it would be like printing money. Clubs, drink, girls and drugs went hand in hand for this generation, and that suited him right down to the ground. He was meeting with Willy McCormack that evening. Angus knew him from the days when he used to come out here on holiday as a kid with his mum and dad. He had not known till recently that his mum had invested heavily out here and was considered one of the old guard by everyone. She was a shrewdie all right. If it had been left to his old man, he would have just treated this place as a massive piss-up. Angus knew that he had a lot of his father in him – he could be a flake. But he also knew that he had his mother in him too and he was determined to make sure that, as much as he liked to play, he got the work sorted first. He heard the bedroom door open and watched as a tall redhead with lightly tanned skin, wearing his soiled shirt, walked towards him. In the clear light of day she wasn’t as nifty as she had seemed the night before, but she was still what he would class a sort. She went into the small kitchen and started to make coffee. He assumed she had been here before, and that didn’t surprise him in the least.

The sensation I was feeling on the clifftop was some sort of reverberation in the air itself.… The whale had submerged and I was still feeling something. The strange rhythm seemed now to be coming from behind me, from the land, so I turned to look across the gorge … where my heart stopped.… Standing there in the shade of the tree was an elephant … staring out to sea!… A female with a left tusk broken off near the base.… I knew who she was, who she had to be. I recognized her from a color photograph put out by the Department of Water Affairs and Forestry under the title “The Last Remaining Knysna Elephant.” This was the Matriarch herself.… She was here because she no longer had anyone to talk to in the forest. She was standing here on the edge of the ocean because it was the next, nearest, and most powerful source of infrasound. The underrumble of the surf would have been well within her range, a soothing balm for an animal used to being surrounded by low and comforting frequencies, by the lifesounds of a herd, and now this was the next-best thing. My heart went out to her. The whole idea of this grandmother of many being alone for the first time in her life was tragic, conjuring up the vision of countless other old and lonely souls. But just as I was about to be consumed by helpless sorrow, something even more extraordinary took place.… The throbbing was back in the air. I could feel it, and I began to understand why. The blue whale was on the surface again, pointed inshore, resting, her blowhole clearly visible. The Matriarch was here for the whale! The largest animal in the ocean and the largest living land animal were no more than a hundred yards apart, and I was convinced that they were communicating! In infrasound, in concert, sharing big brains and long lives, understanding the pain of high investment in a few precious offspring, aware of the importance and the pleasure of complex sociality, these rare and lovely great ladies were commiserating over the back fence of this rocky Cape shore, woman to woman, matriarch to matriarch, almost the last of their kind. I turned, blinking away the tears, and left them to it. This was no place for a mere man

What does True Wireless Earbuds Mean Where are my earphones? Ahh!! There they are….and they are tangled (with irksome scream inside your head). There is nothing more frustrating than going on a search operation for your headphones and finally finding them entangled. Well thanks to the advance technology these days one of your daily struggles is gone with the arrival of wireless earphones in the market. No wire means no entanglement. ‘Kill the problem before it kills you’, you know the saying. Right! So what actually truly wireless earbuds are? Why should you replace your old headphones and invest in wireless ones? Without any further delay let’s dig deep into it. image WHAT ARE TRUE WIRELESS EARBUDS? A lot of people misunderstand true wireless earbuds and wireless earphones as the same thing. When it’s not. A true wireless earbuds which solely connects through Bluetooth and not through any wire or cord or through any other source. While wireless earphones are the ones which are connected through Bluetooth to audio source but the connection between the two ear plugs is established through a cable between them. Why true wireless earbuds? Usability: Who doesn’t like freedom! With no wire restrictions, it’s easier to workout without sacrificing your music motivation. From those super stretch yoga asanas to marathon running, from weight training to cycling - you actually can do all those without worrying about your phone safety or the dilemma of where to put them. With no wire and smooth distance connection interface, you have the full freedom of your body movement. They also comes with a charging case so you don’t have to worry about it’s battery. Good audio quality and background noise cancellation: With features like active noise cancellation, which declutter the unwanted background voice giving you the ultimate audio quality. These earbuds has just leveled up the experience of music and prevents you from getting distracted. Comfort and design: These small ear buddies are friendly which snuggles into your ear canal and don’t put too much pressure on your delicate ears as they are light weight. They are style statement maker and are comfortable to use even when you are on move, they stick to your ear and don’t fall off easily. Apart from all that you can easily answer your call on go, pause your music or whatever you are listening, switch to next by just touching your earplugs. image Convenience: You don’t necessarily have to have your phone on you like the wired ones. The farthest distance you could go was the length of the cable. But with wireless ones this is not the case, they could transmit sound waves from 8 meter upto 30 meters varying from model to model. Which allows you multi-task and make your household chores interesting. You can enjoy your podcasts or music or follow the recipe while cooking in your kitchen when your phone is lying in your living room. Voice assistance: How fascinating was it to watch all those detective/ secret agent thriller movies while they are on run and getting directions from their computer savvy buddies. Ethan Hunt from Mission Impossible….. Remember! Many wireless earphones comes with voice assistance feature which makes it easy to go around the places you are new to. You don’t have to stop and look to your phone screen for directions which makes it easier to move either on foot or while driving. Few things for you to keep in mind and compare before investing in a true wireless earphones :- Sound Quality Battery Life Wireless Range Comfort and design Warranty Price Gone are those days when true wireless earbuds were expensive possession. They are quite economical now and are available with various features depending upon different brands in your price range.

we also began an initiative called Velocity Product Development (VPD) that reimagined virtually every part of our development process with the goal of increasing sales. Working with our engineers and marketers, we analyzed the flow of projects through our system, identifying and fixing blockages with an eye toward improving speed. We took apart our development process step by step, improving everything about it—bringing marketing and engineering together from the very beginning, improving how usable our product designs were and how easy they were for our plants to manufacture, implementing rapid prototyping of our designs, and enhancing how we launched new products. We reduced the number of sign-offs new design changes required as they moved through the system, improved software development and testing, and enhanced our use of electronic design tools.

Here are the four main reasons I love apartments: 1) They’re real assets, not paper, and they can’t be easily replaced. 2) They produce positive cash flow. 3) Apartments appreciate when rents rise– the Multiplier. 4) Leverage of debt to increase your position.

To acquire customers, Baroo did not invest in traditional paid marketing, such as Facebook ads. Instead, the startup relied on the marketing efforts of apartment building partners and on word-of-mouth referrals from existing customers. Buildings would distribute a welcome gift from Baroo—a chew toy or leash—to new residents who owned pets. The team also hosted quarterly events for residents, such as “yappy hours” and pet Halloween. Finally, building concierge staff would recommend Baroo to residents. In exchange, the startup paid buildings a share of the revenue that it earned from their residents, averaging about 6 percent. Such revenue sharing is standard practice for service providers, like cable TV companies, that want access to residents.

I thought I had loved someone once, but if this is what it’s supposed to feel like, now I know my heart was never fully invested before. I loved the idea of the life I thought I was going to have, but with Indy, even if we spend the rest of our days just the two of us in this apartment, I’d die a happy man with an abundantly fulfilled life.

Five ratios are required in multifamily property analysis: • The capitalization rate • The cash return on investment • The total return on investment • The debt service coverage ratio • The gross rent multiplier

Six Ways to Locate Properties 1. Real estate brokers. 2. Classified advertisements. 3. Industry-specific real estate publications. 4. Local and national Web sites. 5. Associations and real estate investment clubs. 6. Banks.

Another example, one that touches more people, is the nursing home industry. Numerous studies have shown that living at home, in a house or an apartment, is better psychologically, more fulfilling, and cheaper than living in nursing homes.14 Yet these institutions prosper when federal programs that foster living in the community are cut. There are also funding disincentives that the U.S. Congress, through Medicare and Medicaid, has created to ensure the profit bonanza of nursing homes. According to the activist disability journal Mouth (1995), there are 1.9 million people with disabilities living in nursing homes at an annual cost of $40,784, although it would cost only $9,692 a year to provide personal assistance services so the same people could live at home. Sixty-three percent of this cost is taxpayer funded. In 1992, 77,618 people with developmental disabilities (DD) lived in state-owned facilities at an average annual cost of $82,228, even though it would cost $27,649 for the most expensive support services to live at home. There are 150,257 people with mental illness living in tax-funded asylums at an average annual cost of $58,569. Another 19,553 disabled veterans also live in institutions, costing the Veterans Administration a whopping $75,641 per person.15 It is illogical that a government would want to pay more for less. It is illogical until one studies the amount of money spent by the nursing home lobby. Nursing homes are a growth industry that many wealthy people, including politicians, have wisely invested in. The scam is simple: get taxpayers to fund billions of dollars to these institutions which a few investors divide up. The idea that nursing homes are compassionate institutions or necessary resting places has lost much of its appeal recently, but the barrier to defunding them is built on a paternalism that eschews human dignity. As we have seen with public housing programs in the United States, the tendency is to warehouse (surplus) people in concentrated sites. This too has been the history with elderly people and people with disabilities in nursing homes. These institutions then can serve as a mechanism of social control and, at the same time, make some people wealthy.

We drove for miles, past half-constructed houses, block after block after block, forty-storey towers standing on the ruins of old Beijing neighbourhoods. The driver told us the flats were empty. People invested in them, but did not want to rent them out: rental rates weren’t high enough and a brand-new flat was easier to resell than a ‘used’ apartment. These were hundred-square-metre bank accounts. By 2018, around fifty million flats stood empty in China, according to estimates. Enough to accommodate the entire population of Germany – and France, too.

therefore an investment like that is unbeatable. Buildings that I would buy for $500K within the year were $800K and I put only maybe $100K down, so you made 300% on your money. . . . I quickly developed and traded up my buildings and bought more apartment buildings and office buildings on Main Street down in Santa Monica and so on. . . . I benefited from [a magic decade] and I became a millionaire from my real estate investments.

Sacrifice is one of the highest expressions of love. It’s only when things fall apart that we realize how unpredictable all investments are, whether in marriage, parenting or the stock market.

The techniques the men used to justify keeping the debts off the balance sheet varied, but they typically involved the use of companies that were loosely related to Kreuger & Toll and Swedish Match. Their argument was that the debts really belonged to those related companies, not to Ivar’s companies, and therefore they did not need to be listed on the balance sheet. Swedish Match became one of the first companies to borrow millions of dollars through a complex web of interlocking and related corporations and partnerships without recording those borrowings as liabilities on its balance sheet. During the second half of 1919, Ivar and Rydbeck had suggested to a group of bankers the idea of “a syndicate apart from the Swedish Match Company.”6 The key word was “apart.” Swedish Match would obtain funding through private side deals with several banks. Ivar would use the money for a range of purposes: pay dividends and interest, expand match exports, buy new factories and raw materials, and invest in new industries. Then, Swedish Match would record any gains from these activities in its financial statements. However, it would not record any corresponding liabilities.

Tyson Dirksen grew up in a family very concerned about the environment, especially California's devastating drought of the 1980's. He started Evolve to try and reduce the use of energy, water, and other raw resources through sustainable design and development and use of green technologies. Tyson is an expert in the high-performance building industry and frequently speaks on the subject at conferences and symposiums. Tyson’s extensive knowledge of real estate investment combined with his expertise in healthy, sustainable, smart and resilient design and construction sets him and Evolve apart.. Tyson received his bachelor’s degree from Brown University and holds a Masters in Real Estate Development from MIT. Tyson is a licensed General Contractor, Real Estate Broker, LEED AP certified, Green Point and HERS Rater, and Passive House builder.

Personally, I like to buy shares on a modest valuation - ideally, say, a dividend yield of 5-6% - and on a single-figure PER. Apart from the obvious attractions of receiving the dividend, the payment of a dividend acts as a significant discipline on the Board of a PLC in that it has to find the cash, each year, to pay those dividends.

He has now completed two books, the first on how investment dealers “fee-farm” over half of the life savings of many clients, and this second book about conditions which allow quiet professional corruption to remain hidden from the public, and ignored by authorities. What drives me? (in the authors words) I hope to have an impact upon the #1 cause of disability, disease, and stress in society today. I believe I have some unique perspectives on this from my experience. For example, the #1 cause of disability, disease, and stress is fear of economic uncertainty. In my experience, the #1 cause of fear of economic uncertainty, is unfairness between those who are protected and enriched within the “lifeboats” of certain professions, corporations or institutions, and those who are not so protected. There are different levels of protection by the law, and immunity from having to adhere to the law, depending upon the wealth, power or status of those involved. Justice systems simply do not often “look upwards” to investigate and prosecute those of great wealth, power and status. These rigged systems of governance, finance, justice etc, cause unfairness, injustice, and repeal the laws of poverty for a few very lucky people, and repeals the chances of prosperity for billions of others. A small few win by corruption, while the rest of society must lose by default. This is a broken system. The unfairness of rigged and/or broken systems, causes imbalances sufficient to destroy entire societies. Societies can literally shake themselves apart with the human vibration of living in an unjust, unfair world. At time of writing this, I am the chairperson of the volunteer Canadian Justice Review Board of Canada, working to better understand one of societies most valuable social systems,

Case #6 Sandy and Bob Bob is a successful dentist in his community. In the 15 years since he established his own practice, he has established a reliable base of patients and has built a thriving business in a great location. A couple years ago, he brought his wife, Sandy, a business expert with an MBA, on board to help him oversee the business end of the dental practice. She had recently left her job at a financial services firm, and Bob knew that Sandy’s business acumen would be helpful in getting his administrative house in order. She brought on new employees, developed effective new processes, and enhanced the office’s marketing efforts. Within a few months, Sandy’s improvements had managed to make the dental practice a well-oiled machine. Now she could turn her attention to their real estate portfolio. Bob and Sandy owned three small apartment buildings around town, as well as one small commercial center that was home to a nail salon, a chiropractor’s office, a coffee house and a wine shop. Fortunately, Bob’s dental practice was a success and their investments earned a nice passive income for them. Unfortunately, because Bob earned on average $250,000 per year, the couple couldn’t use passive loss, which in their case came to about $100,000, from their investments to offset his high earned income. Eventually, they would be earning sheltered profits—when the mortgages on their properties were paid off and the rentals made pure profit, or if they were to sell a property. When those things eventually happened, they could use their losses to shelter those profits. But until that time, the losses were going unused. Sandy made an appointment with their CPA to discuss the situation and see how they might improve their tax situation. The CPA asked, “What about becoming a real estate professional?” He explained to Sandy that if she spent 750 hours per year, or about 15 hours a week, on the couple’s real estate investments, she would be considered a real estate professional by the IRS. This would enable the couple to write off 100 percent of their passive losses against Bob’s high income, which would bring his taxable income down to $100,000. This $100,000 deduction brought Bob and Sandy into a lower tax bracket, saving them roughly $31,000 in taxes. Sandy already devoted a large percentage of her time to overseeing their investments, and when she saw the tax advantages, her decision became clear: She would file the Section 469(c)(7) and become a real estate professional.

To see why temporarily high returns don’t prove anything, imagine that two places are 130 miles apart. If I observed the 65 mph speed limit, I can drive that distance in two hours. But if I drive 130 mph, I can get there in one hour. If I try this and survive, am I “right”? Should you be tempted to try it, too, because you hear me bragging that it “worked?” Flashy gimmicks for beating the market are much the same: in short streaks, so as long as your luck holds out, they work. Over time, they will get you killed.

While these REITs may have lower yields than other categories, they tend to have lower risk profiles and high-growth potential (which increases total returns). Examples of residential REITs include: • AvalonBay Communities (AVB), which holds apartment communities throughout the US and has a yield of 3.15 percent • American Campus Communities (ACC), which holds student housing communities in the US and yields 4.25 percent • Equity Lifestyle Properties (ELS), which holds manufactured home communities, campgrounds, and RV resorts in North America and has a yield of 2.19 percent

Her daughter Nicole had often joked with her, “If Daddy dies, and you would be nothing.” But during the past three years, sitting in the stands week after week had become a nightmare for her as she listened to the fans tear apart her husband and the teenagers who played for him with unrelenting venom, not caring one whit that she, the wife of the coach, was sitting within easy earshot. Sometimes she couldn’t stand it and had to move to one of the portals to get away from it all. “I don’t think they realize these are sixteen, seventeen, eighteen-year-old kids,” she once said. “I don’t think they realize these are coaches. They are men, they are not gods. They don’t realize it’s a game and they look at them like they’re professional football players. They are kids, high school kids, the sons of somebody, and they expect them to be perfect.” Yes, they did, and they had too much invested in it emotionally to ever change. Permian football had become too much a part of the town and too much a part of their own lives, as intrinsic and sacred a value as religion, as politics, as making money, as raising children. That was the nature of sports in a town like this. Football stood at the very core of what the town was about, not on the outskirts, not on the periphery. It had nothing to do with entertainment and everything to do with how people felt about themselves.

I advised a friend to buy a condominium for $65,000.  She qualified for an FHA loan and only put $1,200 down. A year later, she sold it for $105,000 and bought a 4-plex apartment building. She then transitioned into a 6-unit apartment building, and finally into a 12-unit complex. By 2005, she had made $770,000 on her initial investment.

The basic premise of 1031 exchanges is the asset swap: you’re essentially trading one asset for another. To qualify here, the assets have to be real estate and be “like-kind.” Here are some examples of real estate assets that you could swap and benefit from the 1031 rules: • Single-family rental property • Multi-family rental property • Apartment building • Office building • Strip mall • Self-storage facility • Hotel • Raw land

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My investment thesis was still based on targeting small, high-growth cities where there was no competing capital. I continued buying apartment properties in university towns because that’s where the opportunity was. Schools in the country were growing. And the largest fixed costs of real estate—taxes and utilities—were lower in these second-tier cities, so the net margins were significantly higher. I had about twenty investors, including my father, a few of his colleagues, and some attorneys from Yates & Holleb.

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When I looked around the industry, it was the ownership structure that caused firms to fall apart over time. New employees didn’t share in prior fund successes, and when different funds performed differently, it became inevitable that the financial returns were shared unevenly. Without a strong culture, this contributed to the destruction of many investment firms.

Now the likelihood of the ruling classes implementing a global prohibition of all new CO2-emitting devices because scientists tell them to, or because billions of people would otherwise suffer grievous harm, or because the planet could spin into a hothouse, is about the same as them lining up at the summit of the steepest mountain and meekly proceeding to throw themselves off the edge. So here is what this movement of millions should do, for a start: announce and enforce the prohibition. Damage and destroy new CO2-emitting devices. Put them out of commission, pick them apart, demolish them, burn them, blow them up. Let the capitalists who keep on investing in the fire know that their properties will be trashed.

success is solely the result of its slow-and-steady approach to growth and expansion. Walmart has undoubtedly flourished for many reasons. Apart from Sam Walton being the founder, though, I don’t know what other factors have led to its success. I can rattle off a list of things from various business books and articles written on Walmart, but I don’t know if they were the cause or the effect of its success. But I do know that taking calculated risks and staying robustly healthy have had a strong correlation with its accomplishments over sixty years.

Elevate Your Energy Investments! Discover the Power of Fractional Ownership vs. Stock Volatility. Energia's Insights: Secure Your Financial Future in the Energy Sector! Energy investments, unlike traditional real estate projects, often offer a unique front-loaded cash return profile. The majority of cash flow in energy projects is typically projected to occur in the early years due to the depleting nature of these assets. This distinctive feature sets energy investing apart, emphasizing the importance of understanding the dynamics of expected cash flows and the associated risks.

By focusing on the agreeable issues, the other party will get the sense that progress is being made—that an agreement is on the horizon—and they will be more inclined to continue moving forward with the discussions. For example, you might write down a counteroffer and say to a seller: Investor: “Okay, it sounds like we both agree on the major points— we’re going to pay for the property in cash, we’ll close on your preferred date of February 16, and my partner will need to see the property and sign off on the deal. Now, all we need to do is come together on price. I know you said that you couldn’t do $87,500—what if I can increase my offer to $90,000, and we include a five-day inspection period for me to bring in my contractors to take a look at the property? Will that work for you?” In this case, even if the parties were far apart in price, we’re sending the message to the seller that we’re actually pretty close to a deal. In fact, I like to reiterate all the things we agree upon every time I make a counteroffer.

 ADWARE RECOVERY SPECIALIST  truly came through for me when I was at my lowest point. After falling victim to a cryptocurrency investment scam, where I had invested a significant amount of Bitcoin, totaling 3,000 BTC, I felt completely helpless. I had been deceived in by promises of incredible returns and discounted rates on cryptocurrencies, only to have my funds trapped and inaccessible. As someone who had been dealing with cryptocurrencies for almost five years, I thought I was savvy enough to avoid such scams. However, the scammers were cunning, and I found myself in a desperate situation with no idea how to recover my funds. My attempts to seek assistance from the company's customer support were futile, and even law enforcement struggled to gather enough information to investigate. Feeling like I had exhausted all options, I turned to the internet in search of a solution. That's when I stumbled upon ADWARE RECOVERY SPECIALIST. Despite my initial skepticism, I was drawn to the positive reviews and decided to reach out for help. From the moment I contacted them, I knew I had made the right decision. The team at  ADWARE RECOVERY SPECIALIST  was not only experts but also empathetic to my situation. They took the time to listen to my story, understand the details of the scam, and reassured me that my funds could be recovered. Their expertise and knowledge in the field of cryptocurrency recovery gave me hope when I had almost given up. What impressed me most about ADWARE RECOVERY SPECIALIST was their efficiency and transparency throughout the process. They wasted no time in getting to work, diligently tracking my profile and tracing the funds to the master wallet. Once they had confirmed the amount I had invested and transferred, they swiftly initiated the recovery process. I was amazed at how quickly and seamlessly they were able to retrieve my funds. It felt like magic to me, a true testament to the skills and dedication of the team at ADWARE RECOVERY SPECIALIST. Thanks to their efforts, I was able to reclaim what was rightfully mine and put an end to the nightmare I had been living. But beyond their technical expertise, what truly sets ADWARE RECOVERY SPECIALIST apart is their commitment to their clients. They not only recovered my funds but also provided support and guidance every step of the way. They were transparent about their process, kept me informed of any developments, and ensured that I felt heard and understood throughout the entire ordeal. ADWARE RECOVERY SPECIALIST not only restored my faith in bitcoin but also in the power of technology to do good. They are more than just a recovery service; they are a beacon of hope for those who have fallen victim to online scams. I cannot thank them enough for their exceptional service and would highly recommend them to anyone in need of cryptocurrency recovery assistance. If you find yourself in a similar situation, don't hesitate to reach out to ADWARE RECOVERY SPECIALIST – they truly work miracles.

For men, the key issue is paternity. A well-designed parental male will tend to end up investing in his own offspring, rather than the offspring of his good-looking next-door neighbor. And one way to help ensure that this happens is to be easily moved to jealousy – jealousy that leads you to keep a wary eye on your partner and the good-looking neighbor, to do what you can to keep them apart, and to abandon your partner if she strays, or else make life so unpleasant for her that she never does it again. (I’m not condoning any of this, incidentally; I’m just trying to explain it.) You don’t have to understand the evolutionary logic of your jealousy in order for it to do its job; you only have to feel jealous.

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When you choose a thief and make them your leader. Their lives are improving to be better and better. They get rich and richer while you get poor and poorer. The city, town, province, country will decays and everything will fall apart. People lives getting much worse. While your leader will be flexing and living the dream. They will be robbing you your future, dreams, goals, hopes, pride, health, education, jobs Identity, culture, money, investments, happiness , achievements and your life.

This leads to “private opulence and public squalor,” a self-reinforcing dynamic that transforms our communities in ways that pull us further apart. It’s an old problem, one documented by the Roman historian Sallust in his first monograph, Bellum Catilinae, which recounts the political turmoil that roiled Rome in 63 b.c.e., during the time of Julius Caesar.[5] But the mid-century economist John Kenneth Galbraith popularized the predicament in his 1958 book, The Affluent Society. Galbraith did not spill much ink (or any ink, really) on the issue of exploitation. His great concern had to do with the fact that private fortunes were significantly outpacing investments in public services like schools, parks, and safety net programs. The process tends to begin gradually before accelerating under its own momentum. As people accumulate more money, they become less dependent on public goods and, in turn, less interested in supporting them. If they get their way, through tax breaks and other means, personal fortunes grow while public goods are allowed to deteriorate. As public housing, public education, and public transportation become poorer, they become increasingly, then almost exclusively, used only by the poor themselves.[6] People then begin to denigrate the public sector altogether, as if it were rotten at the root and not something the rich had found it in their interest to destroy. The rich and the poor soon unite in their animosity toward public goods—the rich because they are made to pay for things they don’t need and the poor because what they need has become shabby and broken. Things collectively shared, especially if they are shared across class and racial divides, come to be seen as lesser. In America, a clear marker of poverty is one’s reliance on public services, and a clear marker of affluence is one’s degree of distance from them. Enough money brings “financial independence,” which tellingly does not signal independence from work but from the public sector. There was a time when Americans wished to be free of bosses. Now we wish to be free of bus drivers. We wish for the freedom to withdraw from the wider community and sequester ourselves in a more exclusive one, pulling further and further away from the poor until the world they inhabit becomes utterly unrecognizable to us.

Lou quietly invested his portion in some tech startups out of Silicon Valley, and now neither he nor Veronica have to work ever again. Instead the two of them spend most of the year traveling in Europe and South America, splitting their time at home between a Craftsman in Carmel and a tony apartment in Brooklyn Heights.

ARGONIX HACK TECH truly lives up to its name as the leading name in the hacking game.with them began at a time when I found myself ensnared in a web of deceit spun by a fraudulent binary company based in Chicago. Like many others, I was lured in by enticing ads promising significant returns on investments. Before I knew it, I had invested a staggering $90,000 into this scheme, convinced that I was making wise decisions and reaping substantial profits.However, it wasn't long before my illusion of financial success came crashing down. As I shared my supposed triumphs with colleagues, they too became interested in investing, eager to replicate my apparent success. Yet, it was their curiosity that ultimately led to the revelation of the truth. Thanks to the vigilance of our IT department, the organized crime behind the binary company's facade was exposed, preventing my coworkers from falling victim to the same trap.Despite the intervention, I found myself plunged into a state of despair and isolation. The realization of my gullibility and the mockery from my peers left me grappling with depression, unable to face the consequences of my actions. In my darkest hour, it was the intervention of our IT guy that proved to be a beacon of hope. Recognizing the gravity of my situation, he introduced me to ARGONIX HACK TECH Reaching out to ARGONIX HACK TECH marked a turning point in my ordeal. From the moment I contacted them through email, I was met with professionalism, empathy, and a commitment to restoring justice. They listened attentively to my story, offering reassurance and guidance every step of the way. With their expertise and resources, they swiftly initiated a thorough investigation into the fraudulent activities that had ensnared me.What impressed me most about ARGONIX HACK TECH was their unwavering dedication to delivering results. They left no stone unturned in their pursuit of justice, employing cutting-edge hacking techniques to uncover the truth and dismantle the criminal enterprise that had preyed upon innocent victims like myself. Throughout the process, they kept me informed and involved, providing regular updates and insights into their progress. ARGONIX HACK TECH went above and beyond their call of duty to offer me support and assistance beyond the realm of hacking. They provided invaluable advice on safeguarding my financial assets and protecting myself from future scams, empowering me to reclaim control over my life and finances. Their professionalism, integrity, and genuine concern for their clients' well-being set them apart as a beacon of trust and reliability in an industry often marred by deception and exploitation.In the end, thanks to the tireless efforts of ARGONIX HACK TECH, justice was served, and I was able to reclaim the funds that had been wrongfully taken from me. But more than just recovering my financial losses, I gained a newfound sense of resilience and empowerment, knowing that there are dedicated professionals like ARGONIX HACK TECH fighting tirelessly to combat cybercrime and restore hope to those who have fallen victim to its insidious grasp.If you're dealing with the cybercrime or financial fraud, I highly endorse ARGONIX HACK TECH as your dependable partner in seeking justice and restitution. Their proficiency, honesty, and steadfast dedication to their clients' welfare make them a trustworthy authority in the realm of hacking and cybersecurity. Email: Argonixhacktech@ job4u.com WhatsApp: + 1 2 0 6 2 3 4 9 9 0 7

On the other hand, when a company’s value curve lacks focus, its cost structure will tend to be high and its business model complex in implementation and execution. When it lacks divergence, a company’s strategy is a me-too, with no reason to stand apart in the marketplace. When it lacks a compelling tagline that speaks to buyers, it is likely to be internally driven or a classic example of innovation for innovation’s sake with no great commercial potential and no natural take-off capability. A Company Caught in the Red Ocean When a company’s value curve converges with its competitors, it signals that a company is likely caught within the red ocean of bloody competition. A company’s explicit or implicit strategy tends to be trying to outdo its competition on the basis of cost or quality. This signals slow growth unless, by the grace of luck, the company benefits from being in an industry that is growing on its own accord. This growth is not due to a company’s strategy, however, but to luck. Overdelivery without Payback When a company’s value curve on the strategy canvas is shown to deliver high levels across all factors, the question is, Does the company’s market share and profitability reflect these investments? If not, the strategy canvas signals that the company may be oversupplying its customers, offering too much of those elements that add incremental value to buyers. To value-innovate, the company must decide which factors to eliminate and reduce—and not only those to raise and create—to construct a divergent value curve. Strategic Contradictions Are there strategic contradictions? These are areas where a company is offering a high level on one competing factor while ignoring others that support that factor. An example is investing heavily in making a company’s website easy to use but failing to correct the site’s slow speed of operation. Strategic inconsistencies can also be found between the level of your offering and your price. For example, a petroleum station company found that it offered “less for more”: fewer services than the best competitor at a higher price. No wonder it was losing market share fast.

I found myself wanting to go to him and apologize for leaving him. I wanted to tell him I was there for him, ready to listen or simply offer silent comfort. But I was too emotionally invested. I got wounded too easily. I was too afraid of rejection. And knowing he wouldn’t let me get too close only intensified that fear. Even if we did figure things out, I’d only tear myself apart trying to live with just the bits and pieces he decided to share with me.

Why was I bent on encouraging people to change their lives? Because I've watched my generation stop reading books, stop reading the newspaper, stop voting in local elections? Because I've watched money/salary become a proxy for respect, and then a synonym for respect, and then the only kind of respect that counts? Because I have seen us judge books we have not read, politicians we have not heard, musicians we have not listened to, referendums we have not debated, and fellow citizens we have not met? Because I have seen us torn apart by jealousy for what others our age have accomplished, rather than celebrating those accomplishments? Because I have seen us glorify those who make decisions over those who enact decisions, prefer being a consultant to being fully engaged, being an investor to being invested in, being an advisor over being politically involved, being an expert over being partisan, being a news analyst over being a news gatherer--all in fear of the inflexible boredom of commitment?

Hudson Creek is a decaying strip of buildings on either side of the highway, clinging to the road like barnacles on a rotting pier. If this were an ecosystem, I’d say it was on the verge of collapse. FOR SALE signs litter stretches of property with dilapidated buildings that look like they haven’t had two-legged occupants in years. Occasionally I spot signs of life. Aluminum-sided trailers covered in faded paint with clothes dangling nearby on lines. Someone lives there, if this is what you can call living. I’ve seen plenty of poverty in my travels. Not all of it radiates despair. I’ve been to slums where the electricity falters at night, but the live music keeps going. I’ve visited shantytowns where a new pair of shoes is as rare as a Tesla, yet people wear homespun clothes as vibrant as any I’ve seen. Hudson Creek has none of that. There’s no new construction. No signs that the town is fighting for life. The only things not falling apart are the shiny new cars I occasionally spot in weed-infested driveways. These people have mixed-up priorities. Or do they? Would you invest in landscaping if you knew your property values were going to keep declining? Maybe it’s better to spend your money on an escape pod with leather seats and a Bluetooth system.

Ask an Englishman how wealthy someone is, and you’re likely to hear a response like, “He’s worth 20,000 per year.” This sort of answer usually confuses us less sophisticated Yanks, but it’s an estimable response, because it says something profound about wealth: it does not consist of inert assets but, instead, a stream of income. In other words, if you own an orchard, its value is defined not by its trees and land but, rather, by the income it produces. The worth of an apartment house is not what it will fetch in the market, but the value of its future cash flow. What about your own house? Its value is the shelter and pleasure it provides you over the years. The

Arguably the most substantive domestic issue facing the republic is the fate of Social Security, with privatization the most frequently mentioned option. For the first time in history, a familiarity with the behavior of the financial markets has become a prerequisite for competent citizenship, apart from its obvious pecuniary value. Using

Where to?” Max asked as she climbed in. “I assume that you had some destination in mind when you cooked up that nonsense about needing your bags.” “I want to join Dom.” She stared him down, daring him to gainsay her. She’d take a hackney if she had to. “He’s probably still at Manton’s Investigations, so let’s start there.” Though a smile tugged at the duke’s lips, he merely gave the order to the coachman. As soon as they set off, however, he said, “You do realize that Dom is going to throttle me for helping you.” “I don’t see why,” she said lightly. “You are head of the Duke’s Men, aren’t you? Surely you can go wherever you please and involve yourself as much as you like.” As Lisette burst into laughter, Max shook his head. “My brother-in-law doesn’t exactly like having his agency called ‘the Duke’s Men.’ I’d keep that appellation under your hat, if I were you.” “Oh, that sounds so much like Dom,” Jane muttered, “not to appreciate a fellow who showed faith in him and was willing to use him to find his own cousin, not to mention invest in his business concern.” Lisette laughed even harder now, which only made Max wince. “What?” Jane asked. “What is it?” A flush spread over Max’s face. “Let’s just say that my part in…er…’the Duke’s Men’ has been greatly exaggerated by the papers. Rather tangential, really.” “In other words,” Lisette teased, “he pretty much did nothing. He didn’t even come up with the name, and he certainly didn’t hire Dom to find Victor. Tristan stumbled across Victor himself, and then…” Lisette spun out the story of how she had met Max and how Dom had become involved. How Max had made a grand gesture for the press to protect Tristan from George. “Oh, Lord,” Jane breathed. “That’s why you were all at George’s house that day.” The day she’d first seen Dom after nearly eleven years apart. “Exactly. I mean, Max does what he can to recommend the agency, and certainly Dom benefits from the excellent press he received as a result of Tristan’s finding Victor. But beyond that, Max has nothing to do with it. He has tried to invest in it, but Dom gets all hot under the collar every time he suggests it.” “What a shock,” Jane said sarcastically. She thought of Dom the Almighty, having his hard work and keen investigative sense attributed to some duke who’d simply taken up with his sister, and began to laugh. Then Lisette joined her, and eventually, Max. They laughed until tears rolled down Jane’s cheeks and Lisette was holding her sides. “Poor Dom,” Jane gasped, when she’d finally gained control of herself. “No matter how carefully he plans, someone always comes along to muck things up. We must all be quite a trial to him.” “Oh, indeed, we are,” Lisette said, sobering. “But honestly, he takes himself far too seriously, so it’s good for him.” She smiled at Jane. “You’re good for him. He needs a woman who stands firm when he tries to dictate how the world must be, a woman who will teach him that it’s all right if plans go awry. He needs to learn that he can pick up the pieces and still be happy, as long as he does it with the right person.” “I only hope he agrees with you,” Jane said. “I really do.” Because if she could be that woman for Dom--if he could let her be that woman for him--then they might have a chance, after all.

You do realize that Dom is going to throttle me for helping you.” “I don’t see why,” she said lightly. “You are head of the Duke’s Men, aren’t you? Surely you can go wherever you please and involve yourself as much as you like.” As Lisette burst into laughter, Max shook his head. “My brother-in-law doesn’t exactly like having his agency called ‘the Duke’s Men.’ I’d keep that appellation under your hat, if I were you.” “Oh, that sounds so much like Dom,” Jane muttered, “not to appreciate a fellow who showed faith in him and was willing to use him to find his own cousin, not to mention invest in his business concern.” Lisette laughed even harder now, which only made Max wince. “What?” Jane asked. “What is it?” A flush spread over Max’s face. “Let’s just say that my part in…er…’the Duke’s Men’ has been greatly exaggerated by the papers. Rather tangential, really.” “In other words,” Lisette teased, “he pretty much did nothing. He didn’t even come up with the name, and he certainly didn’t hire Dom to find Victor. Tristan stumbled across Victor himself, and then…” Lisette spun out the story of how she had met Max and how Dom had become involved. How Max had made a grand gesture for the press to protect Tristan from George. “Oh, Lord,” Jane breathed. “That’s why you were all at George’s house that day.” The day she’d first seen Dom after nearly eleven years apart. “Exactly. I mean, Max does what he can to recommend the agency, and certainly Dom benefits from the excellent press he received as a result of Tristan’s finding Victor. But beyond that, Max has nothing to do with it. He has tried to invest in it, but Dom gets all hot under the collar every time he suggests it.” “What a shock,” Jane said sarcastically. She thought of Dom the Almighty, having his hard work and keen investigative sense attributed to some duke who’d simply taken up with his sister, and began to laugh. Then Lisette joined her, and eventually, Max. They laughed until tears rolled down Jane’s cheeks and Lisette was holding her sides. “Poor Dom,” Jane gasped, when she’d finally gained control of herself. “No matter how carefully he plans, someone always comes along to muck things up. We must all be quite a trial to him.” “Oh, indeed, we are,” Lisette said, sobering. “But honestly, he takes himself far too seriously, so it’s good for him.

At some point as she spoke, in a motion as natural as an exhale or a stretch, he'd begun sliding his hands up her thighs. She stopped talking. And thinking. And breathing. She resumed breathing on a shuddery exhale. And as her thighs were bare apart from the garters holding up her stockings; his hands heated all the way through the fine silk if her dress to her skin. Every tiny hair on her body stood erect, as if craving his attention. She felt spangled with heat, cinders everywhere on her body. "Molten" rather described how she felt between her legs. He strummed his thumbs softly, softly, back and forth, back and forth, against her thighs. Oh God. She opened her mouth to reiterate: 'Only kissing.' "Guh," surprisingly, was what emerged instead. A sort of hybrid gasp-sigh. "'Guh,' indeed," he agreed, softly. She would have laughed. But the sensation was too new and too total, and desire gathered with a distracting, heavy intensity beneath the weight of his hands, coaxed by those feathery stroking thumbs, and her entire body, brain included, was invested in enjoying 'that,' not in making coherent sounds. She fought to keep her thighs from falling open like a trap door, inviting him deeper in. Was it cold? Were they outdoors? She knew only his touch. "I would never 'dream' of disappointing you, Genevieve," he reassured her on a rough-silk whisper that dragged against her imagination the way his fingers dragged along her thighs, stirring possibilities into life.

The Internet of Things First of all, what is the Internet of Things? The Internet of Things is the link between the internet and everyday objects that allows them to send and receive digital information and data. Its potential is huge and some say it could become a multi-trillion-dollar market. One start-up called Slock.it is attempting to tap into this potential by developing an app on the Ethereum blockchain that links physical assets, such as apartments, bikes, or vans, to a smart contract that allows users to rent the item out. The application is called Ethereum Computer and could potentially eliminate fees to rent the assets of others. It is a kind of blockchain version of Airbnb and creates a much cheaper option for both affiliates and users.

Think of these as wedding bands, my love," the Grand Duke amusedly remarked. "By the powers invested in me, I now pronounce us husband and wife, through lust and hatred, through indulgence and abuse-and you can rest assured, death will never do us apart.

Provide documents that show your investment experience and your financial readiness. When I submit my letter of intent (LOI) with my initial offer on a property, I also send a pre-approval letter from my lender, a brief bio, a schedule of my real estate holdings (Buyer’s Resume), references from brokers I have closed deals with, a current savings account statement and the first two pages of my most recent tax returns (with all confidential information blacked out, of course). If you are not in a position to submit all of this information, just provide what you can. The idea is to speak to your strengths as a buyer. Try to at least submit a pre-approval letter from your lender, as this will go a long way towards setting yourself apart from the average buyer.

It is the definition of the human body to appropriate, in an indefinite series of discontinuous acts, meaningful cores that transcend and transfigure its natural powers...A system of definite powers suddenly decenters here and there, breaks apart, and is reorganized under a law that is unknown to the subject or the external observer, and which is revealed to them in this very moment...A certain manner of playing with our body suddenly allows itself to be invested with a figurative sense and signifies this externally. This is no more and no less miraculous than the emergence of love from desire, or that of the gesture from the uncoordinated movements at the start of life.

News companies don’t just want you feeling ashamed of not knowing the news. That’s desperate marketing, ring-around-the-collar tactics. They want you so emotionally invested that your psyche falls apart if the wrong story appears on screen. We want you awake at night, teeth chattering, panicking about things over which you have no control.

Investors still need to ask, how stable is the enterprise, and what are its future prospects? What are its earnings and cash flow? What is the downside risk of owning it? What is its liquidation value? How capable and honest is its management? What would you pay for the stock of this company if it were public? What factors might cause the owner of this business to sell control at a bargain price? Similarly, the pair never addressed how to analyze the purchase of an office building or apartment complex. Real estate bargains come about for the same reasons as securities bargains—an urgent need for cash, inability to perform proper analysis, a bearish macro view, or investor disfavor or neglect. In a bad real estate climate, tighter lending standards can cause even healthy properties to sell at distressed prices. Graham and Dodd’s principles—such as the stability of cash flow, sufficiency of return, and analysis of downside risk—allow us to identify real estate investments with a margin of safety in any market environment.

Children displaced from their families, unconnected to their teachers, and not yet mature enough to relate to one another as separate beings, automatically regroup to satisfy their instinctive drive for attachment. The culture of the group is either invented or borrowed from the peer culture at large. It does not take children very long to know what tribe they belong to, what the rules are, whom they can talk to, and whom they must keep at a distance. Despite our attempts to teach our children respect for individual differences and to instill in them a sense of belonging to a cohesive civilization, we are fragmenting at an alarming rate into tribal chaos. Our very own children are leading the way. The time we as parents and educators spend trying to teach our children social tolerance, acceptance, and etiquette would be much better invested in cultivating a connection with them. Children nurtured in traditional hierarchies of attachment are not nearly as susceptible to the spontaneous forces of tribalization. The social values we wish to inculcate can be transmitted only across existing lines of attachment. The culture created by peer orientation does not mix well with other cultures. Because peer orientation exists unto itself, so does the culture it creates. It operates much more like a cult than a culture. Immature beings who embrace the culture generated by peer orientation become cut off from people of other cultures. Peer-oriented youth actually glory in excluding traditional values and historical connections. People from differing cultures that have been transmitted vertically retain the capacity to relate to one another respectfully, even if in practice that capacity is often overwhelmed by the historical or political conflicts in which human beings become caught up. Beneath the particular cultural expressions they can mutually recognize the universality of human values and cherish the richness of diversity. Peer-oriented kids are, however, inclined to hang out with one another exclusively. They set themselves apart from those not like them. As our peer-oriented children reach adolescence, many parents find themselves feeling as if their very own children are barely recognizable with their tribal music, clothing, language, rituals, and body decorations. “Tattooing and piercing, once shocking, are now merely generational signposts in a culture that constantly redraws the line between acceptable and disallowed behavior,” a Canadian journalist pointed out in 2003. Many of our children are growing up bereft of the universal culture that produced the timeless creations of humankind: The Bhagavad Gita; the writings of Rumi and Dante, Shakespeare and Cervantes and Faulkner, or of the best and most innovative of living authors; the music of Beethoven and Mahler; or even the great translations of the Bible. They know only what is current and popular, appreciate only what they can share with their peers. True universality in the positive sense of mutual respect, curiosity, and shared human values does not require a globalized culture created by peer-orientation. It requires psychological maturity — a maturity that cannot result from didactic education, only from healthy development. Only adults can help children grow up in this way. And only in healthy relationships with adult mentors — parents, teachers, elders, artistic, musical and intellectual creators — can children receive their birthright, the universal and age-honored cultural legacy of humankind. Only in such relationships can they fully develop their own capacities for free and individual and fresh cultural expression.

If the West once undermined and helped to ultimately defeat the USSR by uniting free market economics, cool culture, and democratic politics into one package (parliaments, investment banks, and abstract expressionism fused to defeat the Politburo, planned economics, and social realism), Surkov’s genius has been to tear those associations apart, to marry authoritarianism and modern art, to use the language of rights and representation to validate tyranny, to recut and paste democratic capitalism until it means the reverse of its original purpose.

whenever ethnic racism did set the natural allies on American plantations apart, in the manner that racism set the natural allies in American poverty apart, enslavers hardly minded. They were usually willing to deploy any tool—intellectual or otherwise—to suppress slave resistance and ensure returns on their investments.

Jenny smiled a bit wistfully. It had been almost a year since her mother had been killed and a lot had changed. She had moved into Asher’s house, giving up her apartment. After Asher’s elevation to Vice-President, he had slowly taken on more and more responsibility for running the club. With investments from the Bucs and the Trifectas, the HDs had been expanding. They dominated the strip club and escort business in Miami, and had expanded aggressively into Boca Raton, Fort Lauderdale, and had just completed a deal to buy six clubs in Tampa. They were also starting an x-rated video production company to further diversify their income stream. While they may never rub elbows with respectable bankers and real estate barons, the HDs were now a fully legal operation.

God, how I love you, Rose.” He tasted the salt of her tears, but he wouldn’t let her go. “Does this mean you’re going to marry me?” he murmured. “Yes.” She kissed him again, and he wished he had a ring to give her. “And whether you’re the Earl of Ashton or Lord of the Ashes doesn’t matter. You’re the man who stood by me and taught me to walk again. I love you.” He reached below her hips and lifted her up, smiling at her. “I will find a way to give you the life you’ve dreamed of, Rose. Even if it means we have to live apart for a while.” Her expression turned wary. “We are not living apart, Iain.” “You’re daft if you think I’m taking you back to a place where there is no food.” Slowly, he lowered her back to stand before him. He couldn’t stop touching her, and he rubbed the small of her back. “We will argue about it later. But I do have news that may affect my dowry. Evangeline said that her father will help us sort through our finances and set them straight. We don’t know how much money my mother gave away, but—” At that, Iain’s smile broadened. “Actually, I did learn what she did with the rents.” He’d spent the morning with Cain Sinclair, and it was then that he’d discovered the truth. “Apparently, she didn’t give the money to an Irishman. It was a Scotsman. She gave the rents over to Sinclair a month ago, so he could invest them for her. They made a fine profit for you and your family.” Rose shook her head and a laugh escaped her. “So I do have a dowry, after all. Not that it matters anymore.” He leaned to kiss her again, and added, “You could be penniless, and I wouldn’t care, Rose. I’m marrying you because I love you. Because you make me want to become a better man. And because I cannot be living without you.” She leaned in and rested her nose against his. “I love you, Iain. Earl or not.” “I’ll be the earl in name,” he agreed. “There will be a great deal of work before I can restore Ashton. But with you at my side, I think we can manage it.” He stroked his thumb against her palm, and she let out a soft sigh. Then he came up behind her and drew both arms around her waist. Her body nestled against his, in the most natural feeling in the world. “You are the bride I’m meant to have. Ever since you threatened me with a rake.” She let out a soft laugh. “You’re fortunate that I didn’t use it against you.” He