Assets Over Liabilities Quotes

Every innovation—technological, sociological, or otherwise—begins as a crusade, organizes itself into a practical business, and then, over time, degrades into common exploitation. This is simply the life cycle of how human ingenuity manifests in the material world. What goes forgotten, though, is that those who partake in this system undergo a similar transformation: people begin as comrades and fellow citizens, then become labor resources and assets, and then, as their utility shifts or degrades, transmute into liabilities, and thus must be appropriately managed.

In the agricultural age, women conceived younger and had many more children because children were economic assets as workers on the farm. In the postindustrial age, children are emotional assets but economic liabilities, costing both a middle-class husband and wife or a single parent over $10,000 a year.

The company’s working capital is the amount of money left over after you subtract current liabilities from current assets. Current Assets  –  Current Liabilities  =  Working Capital

The critical nature of 'choices' -- [the] timing will prove to be an asset or liability; it will reward wisdom or expose stupidity. Either way, we learn from the path of suffering or satisfaction… by choice or by design.

Every innovation—technological, sociological, or otherwise—begins as a crusade, organizes itself into a practical business, and then, over time, degrades into common exploitation. This is simply the life cycle of how human ingenuity manifests in the material world. What goes forgotten, though, is that those who partake in this system undergo a similar transformation: people begin as comrades and fellow citizens, then become labor resources and assets, and then, as their utility shifts or degrades, transmute into liabilities, and thus must be appropriately managed. This is a fact of nature just as much as the currents of the winds and the seas. The flow of force and matter is a system, with laws and maturation patterns. We should harbor no guilt for complying with those laws—even if they sometimes require a little inhumanity. —TRIBUNO CANDIANO, LETTER TO THE COMPANY CANDIANO CHIEF OFFICER’S ASSEMBLY

Since governments have the ability to both make and borrow money, why couldn’t the central bank lend money at an interest rate of about 0 percent to the central government to distribute as it likes to support the economy? Couldn’t it also lend to others at low rates and allow those debtors to never pay it back? Normally debtors have to pay back the original amount borrowed (principal) plus interest in installments over a period of time. But the central bank has the power to set the interest rate at 0 percent and keep rolling over the debt so that the debtor never has to pay it back. That would be the equivalent of giving the debtors the money, but it wouldn’t look that way because the debt would still be accounted for as an asset that the central bank owns, so the central bank could still say it is performing its normal lending functions. This is the exact thing that happened in the wake of the economic crisis caused by the COVID-19 pandemic. Many versions of this have happened many times in history. Who pays? It is bad for those outside the central bank who still hold the debts as assets—cash and bonds—who won’t get returns that would preserve their purchasing power. The biggest problem that we now collectively face is that for many people, companies, nonprofit organizations, and governments, their incomes are low in relation to their expenses, and their debts and other liabilities (such as those for pensions, healthcare, and insurance) are very large relative to the value of their assets.

Every innovation—technological, sociological, or otherwise—begins as a crusade, organizes itself into a practical business, and then, over time, degrades into common exploitation. This is simply the life cycle of how human ingenuity manifests in the material world. What goes forgotten, though, is that those who partake in this system undergo a similar transformation: people begin as comrades and fellow citizens, then become labor resources and assets, and then, as their utility shifts or degrades, transmute into liabilities, and thus must be appropriately managed. This is a fact of nature just as much as the currents of the winds and the seas. The flow of force and matter is a system, with laws and maturation patterns. We should harbor no guilt for complying with those laws—even if they sometimes require a little inhumanity.

There are three key financial statements that are made up of 5 main elements. These elements include: 1. Assets: Assets are items of value that are owned by the company. Items that can be listed under assets include cash, equipment, real estate, etc. 2. Liabilities: These are items that decrease the net worth of the business. In other words, liabilities are what the company owes other companies, individuals, or investors. Liabilities include items such as accounts payable, long term and short term loans, etc. 3. Equities: These refer to cash or cash equivalents that are used to represent the ownership of the company. The term equity, as used in accounting, determines the value of the company and its ownership. 4. Revenues: Revenue is one component of financial statements that mainly appears on the income sheet and the cash flow statement. Revenue represents all the money that is earned by a business over a given trading period. The revenue of a business can vary from one accounting period to another. The revenue of a business determines the net income of business after expenses have subtracted. 5. Expenses: The expenses of a business are usually used in preparing the income sheet and the cash flow statement. Expenses represent the ways a company uses its funds. Among the expenses include direct expenses such as the cost of goods sold and indirect expenses such as rent and taxes.

Another impressive ratio is Altman Z-Score. Discovered in 1968 by Edward Altman, this quotient measures the probability of a company going into bankruptcy within two years. Over the last few decades, the formula has proven to be highly accurate. It was originally developed for public manufacturing companies, with other versions for private and non-manufacturing organizations becoming available later. The original Z-Score formula was as follows: Z = 1.2X1 + 1.4X2 + 3.3X3 + 0.6X4 + 0.99X5 Where: X1 = Working Capital / Total Assets X2 = Retained Earnings / Total Assets X3 = Earnings Before Interest and Taxes / Total Assets. X4 = Market Value of Equity / Book Value of Total Liabilities. X5 = Sales / Total Assets. If Z > 2.99, the company is in the Safe Zone.

that same instinct to create a safe place for you and your family, a place you can recognize and call home, can become so twisted that it ends up ready to annihilate a hundred million people over eight cities.” She glanced at me. “It starts with, ‘This is our safe area, for me and my tribe.’ Then becomes, ‘To be truly safe I need that bit of land there too. And I need weapons to protect it, and walls.’ After which it becomes, ‘My tribe and my land are better than yours, you are an existential threat to my tribe and you aren’t even really human anyway. So it’s OK if I just march in and wipe you out.’” ​We

The critical nature of 'choices' -- [the] timing will prove to be an asset or liability; it will reward wisdom or expose stupidity. Either way, we learn from the path of suffering or satisfaction… by choice and by design.

Pastor Jentzen Franklin put it best when he said that if you can find the faith to move beyond and get over your perceived shortcomings, even your worst liability has the potential to become your greatest asset!

Yet the Confederate States of America faced significant challenges in waging a successful war for independence. One of its outstanding fighting generals, Irish-born Patrick Ronayne Cleburne, certainly understood that in a protracted conflict, his country did not have the manpower to sustain its armies in the field against a numerically superior foe. His solution to the problem placed patriotism over any desire to leave the peculiar institution inviolate. If the armed forces of the Confederate States employed blacks as combatants, he felt that not only would the disparity in numbers be addressed but also slavery would become an asset to the South rather than a liability. Freedom at the conclusion of honorable service to the Confederacy would offer a choice other than insurrection or escape and enrollment in the Union military for slaves who wished to exert some measure of control over their lives. But there was no time to lose. “Negroes will require much training, training will require time, and there is the danger that this concession to common sense may come too late.”64

Yemen is one of the few countries to implement traditional Sunni shari’a law and a limited liability company scam at the same time. Owning slaves is legal—the fiction is that the owner has an option hedged on the indentured laborer’s future output, with interest payments that grow faster than the unfortunate victim can pay them off—and companies are legal entities. If Amber sells herself into slavery to this company, she will become a slave and the company will be legally liable for her actions and upkeep. The rest of the legal instrument—about ninety percent of it, in fact—is a set of self-modifying corporate mechanisms coded in a variety of jurisdictions that permit Turing-complete company constitutions, and which act as an ownership shell for the slavery contract. At the far end of the corporate shell game is a trust fund of which Amber is the prime beneficiary and shareholder. When she reaches the age of majority, she’ll acquire total control over all the companies in the network and can dissolve her slave contract; until then, the trust fund (which she essentially owns) oversees the company that owns her (and keeps it safe from hostile takeover bids). Oh, and the company network is primed by an extraordinary general meeting that instructed it to move the trust’s assets to Paris immediately. A one-way airline ticket is enclosed

Ávila was one of those fortunate Mediterranean men for whom aging seemed to be more an asset than a liability. Over the years, his stiff black stubble had softened to a distinguished salt-and-pepper beard, his fiery dark eyes had relaxed to a serene confidence, and his taut olive skin was now sun-drenched and creased, giving him the aura of a man permanently squinting out to sea.

wondered if God was working now, through him. Was it possible. He heard his father’s voice again. “God will not call you and then abandon you. Never will I leave thee. Never will I forsake thee.” Richard believed those words now for the first time in his life. He’d heard it said that the end of man was the beginning of God. He was at his own end, and it was time for God to take over. He closed his eyes and prayed. “Dear Jehovah, my provider, provide a way for me to escape and stop this man of evil.” And then the oddest thing happened. He felt a strange, relaxing, peaceful balm spread over his whole body. It warmed him despite the wind and cold raging outside him, filling him with hope, and strength and determination. One thought came to his mind: God allows nothing to happen outside His will. God leaves nothing to chance. There is no such thing as chance. If that were true, then everything that had happened to him so far, was the act of God. In the light of this new perspective, Richard once again took stock of his assets and liabilities.

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