Bills Payment Quotes

If you wrote something for which someone sent you a cheque, if you cashed the cheque and it didn't bounce, and if you then paid the light bill with the money, I consider you talented.

In the midst of aches in the joints, anxiety over the payment of bills, concern for the safety of those you love, envy of the rich, fear of robbers, dog-weariness at the end of a long day, and the unacceptable slipping away of youth, there does occasionally appear, like a ray of light piercing the clouds, a moment of joy. Perhaps you have entered the house and sat down before removing your boots. A friend has pressed a drink into your hands, and is telling you the latest news. You see from his face that he's glad you've come in; and you are glad too. Glad to be sitting down, glad of the warming glow of the dirnk, glad of your friend's furrowed brow and eager speech. For this moment, nothing more is required. It is in its way unimprovable. This is what I mean by the Great Enough.

Everyday she loses a bit more of herself , every day another nail in her coffin house payments medical bills and middle aged isolation

The problem is, it's just not enough to live according to the rules. Sure, you manage to live according to the rules. Sometimes it's tight, extremely tight, but on the whole you manage it. Your tax papers are up to date. Your bills paid on time. You never go out without your identity card (and the special little wallet for your Visa!). Yet you haven’t any friends. The rules are complex, multiform. There’s the shopping that needs doing out of working hours, the automatic dispensers where money has to be got (and where you so often have to wait). Above all there are the different payments you must make to the organizations that run different aspects of your life. You can fall ill into the bargain, which involves costs, and more formalities. Nevertheless, some free time remains. What’s to be done? How do you use your time? In dedicating yourself to helping people? But basically other people don’t interest you. Listening to records? That used to be a solution, but as the years go by you have to say that music moves you less and less. Taken in its widest sense, a spot of do-it-yourself can be a way out. But the fact is that nothing can halt the ever-increasing recurrence of those moments when your total isolation, the sensation of an all-consuming emptiness, the foreboding that your existence is nearing a painful and definitive end all combine to plunge you into a state of real suffering. And yet you haven’t always wanted to die. You have had a life. There have been moments when you were having a life. Of course you don't remember too much about it; but there are photographs to prove it. This was probably happening round about the time of your adolescence, or just after. How great your appetite for life was, then! Existence seemed so rich in new possibilities. You might become a pop singer, go off to Venezuela. More surprising still, you have had a childhood. Observe, now, a child of seven, playing with his little soldiers on the living room carpet. I want you to observe him closely. Since the divorce he no longer has a father. Only rarely does he see his mother, who occupies an important post in a cosmetics firm. And yet he plays with his little soldiers and the interest he takes in these representations of the world and of war seems very keen. He already lacks a bit of affection, that's for sure, but what an air he has of being interested in the world! You too, you took an interest in the world. That was long ago. I want you to cast your mind back to then. The domain of the rules was no longer enough for you; you were unable to live any longer in the domain of the rules; so you had to enter into the domain of the struggle. I ask you to go back to that precise moment. It was long ago, no? Cast your mind back: the water was cold.

THERE HAVE ALWAYS BEEN ITINERANTS, drifters, hobos, restless souls. But now, in the second millennium, a new kind of wandering tribe is emerging. People who never imagined being nomads are hitting the road. They’re giving up traditional houses and apartments to live in what some call “wheel estate”—vans, secondhand RVs, school buses, pickup campers, travel trailers, and plain old sedans. They are driving away from the impossible choices that face what used to be the middle class. Decisions like: Would you rather have food or dental work? Pay your mortgage or your electric bill? Make a car payment or buy medicine? Cover rent or student loans? Purchase warm clothes or gas for your commute? For many the answer seemed radical at first. You can’t give yourself a raise, but what about cutting your biggest expense? Trading a stick-and-brick domicile for life on wheels?

No longer do African regimes have to spend vast sums maintaining land lines and telephone exchanges, exposed to the perils of looting or climate damage. A few mobile-phone beacons, powered by solar batteries, cost a fraction of the old, fixed system. And the cash earned by mobile-phone systems is much easier to control. Gone are the days of relying on a failing mail system to send bills to users of landline systems to chase up payment for calls already made. Top-up cards have to be paid for in advance. Mobile-phone networks are among the most cash-rich and fast-growing businesses in today’s Africa. It is no wonder that the sons, nieces and confidants of Africa’s dictators vie for ownership of mobile-phone companies.

the universe consisted of misery and hostility and would get you in the end. He looked at the universe the way most people regard an unpaid bill; eventually they will force payment.

She planted that terror of debt so deeply in her children that even now, in a changed economic pattern where indebtedness is a part of living, I become restless when a bill is two days overdue. Olive never accepted the time-payment plan when it became popular. A thing bought on time was a thing you did not own and for which you were in debt. She saved for things she wanted, and this meant that the neighbours had new gadgets as much as two years before we did.

You’ve been downgraded from a thrill-kill to a simple bill-kill. (Nykyrian) Bill-kill? (Kiara) Kill you any way possible and send the bill in for payment. (Nykyrian) I can’t believe that someone’s life can be bartered and sold so easily. That it’s so common that there are even names for the different ways to take a person’s life. For torturing them? My God, what is wrong with you people? (Kiara) We’re not the ones who are sick, mu Tara. With us –the predators– you know what we’ll do and why we do it. What we’re capable of. We make no bones about it and we wear the uniform so that you can see us coming. The ones who are sickening are the cowards who masquerade as sheep. The ones who lull you into trusting them and smile at your face while they plot your downfall behind your back for any number of psychotic reasons. The friends who turn on you out of jealousy or greed. Who try to ruin you for no reason at all. They are the ones who should be put down. And they’re the ones who are truly sickening. (Nykyrian)

Would you rather have food or dental work? Pay your mortgage or your electric bill? Make a car payment or buy medicine? Cover rent or student loans? Purchase warm clothes or gas for your commute?

health agencies had put regulatory capture on steroids. The CDC, for example, owns 57 vaccine patents1 and spends $4.9 of its $12.0 billion-dollar annual budget (as of 2019) buying and distributing vaccines.2,3 NIH owns hundreds of vaccine patents and often profits from the sale of products it supposedly regulates. High level officials, including Dr. Fauci, receive yearly emoluments of up to $150,000 in royalty payments on products that they help develop and then usher through the approval process.4 The FDA receives 45 percent of its budget from the pharmaceutical industry, through what are euphemistically called “user fees.

So I was sold at last! A human being sold in the free city of New York! The bill of sale is on record, and future generations will learn from it that women were articles of traffic in New York, late in the nineteenth century of the Christian religion. It may hereafter prove a useful document to antiquaries, who are seeking to measure the progress of civilization in the United States. I well know the value of that bit of paper; but as much as I love freedom, I do not like to look upon it. I am deeply grateful to the generous friend who procured it, but I despise the miscreant who demanded payment for what never rightfully belong to him or his.

The United States thus achieved what no earlier imperial system had put in place: a flexible form of global exploitation that controlled debtor countries by imposing the Washington Consensus via the IMF and World Bank, while the Treasury bill standard obliged the payments-surplus nations of Europe and East Asia to extend forced loans to the U.S. Government. Against dollar-deficit regions the United States continued to apply the classical economic leverage that Europe and Japan were not able to use against it. Debtor economies were forced to impose economic austerity to block their own industrialization and agricultural modernization. Their designated role was to export raw materials and provide low-priced labor whose wages were denominated in depreciating currencies. Against dollar-surplus nations the United States was learning to apply a new, unprecedented form of coercion. It dared the rest of the world to call its bluff and plunge the international economy into monetary crisis. That is what would have happened if creditor nations had not channeled their surplus savings to the United States by buying its Government securities.

Where America really differs from other countries is in the colossal costs of its health care. An angiogram, a survey by The New York Times found, costs an average of $914 in the United States, $35 in Canada. Insulin costs about six times as much in America as it does in Europe. The average hip replacement costs $40,364 in America, almost six times the cost in Spain, while an MRI scan in the United States is, at $1,121, four times more than in the Netherlands. The entire system is notoriously unwieldy and cost-heavy. America has about 800,000 practicing physicians but needs twice that number of people to administer its payments system. The inescapable conclusion is that higher spending in America doesn’t necessarily result in better medicine, just higher costs.

automate savings and bill payment.

Dishonorable people do not honor their arrangements. A bill of sale only requires payment, a contract only requires completion, and/or a debt merely requires a payment.

Just looking at her mother made Cami think about how having another mouth to feed in the house would be a huge burden. She was working her butt off at two jobs already as a registered nurse and a waitress. With a mortgage payment, student loan debt, credit card debt, and loads of other bills that she once did not think about twice, her mother was forced to work longer hours after her now ex-husband abandoned his family for another woman.

Investment Owner’s Contract I, _____________ ___________________, hereby state that I am an investor who is seeking to accumulate wealth for many years into the future. I know that there will be many times when I will be tempted to invest in stocks or bonds because they have gone (or “are going”) up in price, and other times when I will be tempted to sell my investments because they have gone (or “are going”) down. I hereby declare my refusal to let a herd of strangers make my financial decisions for me. I further make a solemn commitment never to invest because the stock market has gone up, and never to sell because it has gone down. Instead, I will invest $______.00 per month, every month, through an automatic investment plan or “dollar-cost averaging program,” into the following mutual fund(s) or diversified portfolio(s): _________________________________, _________________________________, _________________________________. I will also invest additional amounts whenever I can afford to spare the cash (and can afford to lose it in the short run). I hereby declare that I will hold each of these investments continually through at least the following date (which must be a minimum of 10 years after the date of this contact): _________________ _____, 20__. The only exceptions allowed under the terms of this contract are a sudden, pressing need for cash, like a health-care emergency or the loss of my job, or a planned expenditure like a housing down payment or a tuition bill. I am, by signing below, stating my intention not only to abide by the terms of this contract, but to re-read this document whenever I am tempted to sell any of my investments. This contract is valid only when signed by at least one witness, and must be kept in a safe place that is easily accessible for future reference.

America has about 800,000 practicing physicians but needs twice that number of people to administer its payments system. The inescapable conclusion is that higher spending in America doesn’t necessarily result in better medicine, just higher costs.

Bill.' If you don't, I'll do this," and with that he gave me a twitch that I thought would have made me faint. Between this and that, I was so utterly terrified of the blind beggar that I forgot my terror of the captain, and as I opened the parlour door, cried out the words he had ordered in a trembling voice. The poor captain raised his eyes, and at one look the rum went out of him and left him staring sober. The expression of his face was not so much of terror as of mortal sickness. He made a movement to rise, but I do not believe he had enough force left in his body. "Now, Bill, sit where you are," said the beggar. "If I can't see, I can hear a finger stirring. Business is business. Hold out your left hand. Boy, take his left hand by the wrist and bring it near to my right." We both obeyed him to the letter, and I saw him pass something from the hollow of the hand that held his stick into the palm of the captain's, which closed upon it instantly. "And now that's done," said the blind man; and at the words he suddenly left hold of me, and with incredible accuracy and nimbleness, skipped out of the parlour and into the road, where, as I still stood motionless, I could hear his stick go tap-tap-tapping into the distance. It was some time before either I or the captain seemed to gather our senses, but at length, and about at the same moment, I released his wrist, which I was still holding, and he drew in his hand and looked sharply into the palm. "Ten o'clock!" he cried. "Six hours. We'll do them yet," and he sprang to his feet. Even as he did so, he reeled, put his hand to his throat, stood swaying for a moment, and then, with a peculiar sound, fell from his whole height face foremost to the floor. I ran to him at once, calling to my mother. But haste was all in vain. The captain had been struck dead by thundering apoplexy. It is a curious thing to understand, for I had certainly never liked the man, though of late I had begun to pity him, but as soon as I saw that he was dead, I burst into a flood of tears. It was the second death I had known, and the sorrow of the first was still fresh in my heart. 4 The Sea-chest I LOST no time, of course, in telling my mother all that I knew, and perhaps should have told her long before, and we saw ourselves at once in a difficult and dangerous position. Some of the man's money—if he had any—was certainly due to us, but it was not likely that our captain's shipmates, above all the two specimens seen by me, Black Dog and the blind beggar, would be inclined to give up their booty in payment of the dead man's debts. The captain's order to mount at once and ride for Doctor Livesey would have left my mother alone and unprotected, which was not to be thought of. Indeed, it seemed impossible for either of us to remain much longer in the house; the fall of coals in the kitchen grate, the very ticking of the clock, filled us with alarms. The neighbourhood, to our ears, seemed haunted by approaching footsteps; and what between the dead body of the captain on the parlour floor and the thought of that detestable blind beggar hovering near at hand and ready to return, there were moments when, as the saying goes, I jumped in my skin for terror. Something must speedily be resolved upon, and it occurred to us at last to go forth together and seek help in the neighbouring hamlet. No sooner said than done. Bare-headed as we were, we ran out at once in the gathering evening and the frosty fog. The hamlet lay not many hundred yards away, though out of view, on the other side of the next cove; and what greatly encouraged me, it was in an opposite direction from that whence the blind man had made his appearance and whither he had presumably returned. We were not many minutes on the road, though we sometimes stopped to lay hold of each other and hearken. But there was no unusual sound—nothing but the low wash of the ripple and the croaking of the inmates of the wood.

But when Trump emerged from the primary, Bennett characterized those Republicans not supporting Trump as not team players who “suffer from a terrible case of moral superiority and put their own vanity and taste above the interest of the country.”22 What has changed? If he believed what he wrote in The Book of Virtues that “it is our character that supports the promise of our future—far more than particular government programs or policies,” if he believed what he wrote about Bill Clinton that “a president whose character manifests itself in patterns of reckless personal conduct…cannot be a good president,” how can Bennett support a man who brags about assaulting women and directs his own son to write checks to reimburse his lawyer Michael Cohen for hush payments to a porn star?

Consider the recent financial crisis and its link to faulty reward systems. President Bill Clinton's objective of increasing homeownership by rewarding potential home buyers and lenders is one example. The Clinton administration "went to ridiculous lengths" to increase homeownership in the United State, promoting "paper-thin down payments" and pushing lenders to give mortgage loans to unqualified buyers according to Business Week editor Peter Coy.

What is soft power? It is the ability to get what you want through attraction rather than coercion or payments. It arises from the attractiveness of a country’s culture, political ideals, and policies. When our policies are seen as legitimate in the eyes of others, our soft power is enhanced. America has long had a great deal of soft power. Think of the impact of Franklin Roosevelt’s Four Freedoms in Europe at the end of World War II; of young people behind the Iron Curtain listening to American music and news on Radio Free Europe; of Chinese students symbolizing their protests in Tiananmen Square by creating a replica of the Statue of Liberty; of newly liberated Afghans in 2001 asking for a copy of the Bill of Rights; of young Iranians today surreptitiously watching banned American videos and satellite television broadcasts in the privacy of their homes. These are all examples of America’s soft power. When you can get others to admire your ideals and to want what you want, you do not have to spend as much on sticks and carrots to move them in your direction. Seduction is always more effective than coercion, and many values like democracy, human rights, and individual opportunities are deeply seductive. As General Wesley Clark put it, soft power “gave us an influence far beyond the hard edge of traditional balance-of-power politics.” But attraction can turn to repulsion if we act in an arrogant manner and destroy the real message of our deeper values.

Maybe this is a bad time to bring this up, but you need to pay your credit card bill. It’s maxed out, and you’ve missed the past two due dates. And the thing is—and this is going to sound selfish, because it is—but your Netflix account got suspended, and I was only halfway through season three of Cheers. The laugh track is a bit off-putting, but it’s still a good show. I really love the plot twist that Norm’s nagging wife, Vera, turns out to have been dead for ten years, and Norm has kept her memory alive by continuing a fictional narrative about her. Sam and Diane knew that Vera wasn’t really alive and that Norm was delusional, but in episode seven, when they go to check in on Norm, they find him cuddled up next to her decayed corpse and reading her Lord Byron’s “The First Kiss of Love,” and he’s crying. The stench is unbearable, but less unbearable than the brutal truth of the moment. My point is, I didn’t get to finish watching Cheers because you’re behind on your credit card payments. I need you to deal with that.

The CDC, for example, owns 57 vaccine patents1 and spends $4.9 of its $12.0 billion-dollar annual budget (as of 2019) buying and distributing vaccines.2,3 NIH owns hundreds of vaccine patents and often profits from the sale of products it supposedly regulates. High level officials, including Dr. Fauci, receive yearly emoluments of up to $150,000 in royalty payments on products that they help develop and then usher through the approval process.4 The FDA receives 45 percent of its budget from the pharmaceutical industry,

governments budgeted anywhere from one-tenth to more than one-half of their economies to fight the pandemic. No taxpayers were called upon to foot the bill, no creditors were asked to lend them money. Governments voted for the budgets they considered to be necessary and their central banks made the payments. The size of the response was all the evidence one needed to grasp the monetary reality. Governments which issue and control their own currencies face no financing constraints and no threat of insolvency or default.

Throughout history, rulers have run up debts that won’t come due until long after their own reigns are over, leaving it to their successors to pay the bill. Printing money and buying financial assets (mostly bonds) holds interest rates down, which stimulates borrowing and buying. Those investors holding bonds are encouraged to sell them. The low interest rates also encourage investors, businesses, and individuals to borrow and invest in higher-returning assets, getting what they want through monthly payments they can afford.

(1) The church-state issue. If parents could use their vouchers to pay tuition at parochial schools, would that violate the First Amendment? Whether it does or not, is it desirable to adopt a policy that might strengthen the role of religious institutions in schooling? The Supreme Court has generally ruled against state laws providing assistance to parents who send their children to parochial schools, although it has never had occasion to rule on a full-fledged voucher plan covering both public and nonpublic schools. However it might rule on such a plan, it seems clear that the Court would accept a plan that excluded church-connected schools but applied to all other private and public schools. Such a restricted plan would be far superior to the present system, and might not be much inferior to a wholly unrestricted plan. Schools now connected with churches could qualify by subdividing themselves into two parts: a secular part reorganized as an independent school eligible for vouchers, and a religious part reorganized as an after-school or Sunday activity paid for directly by parents or church funds. The constitutional issue will have to be settled by the courts. But it is worth emphasizing that vouchers would go to parents, not to schools. Under the GI bills, veterans have been free to attend Catholic or other colleges and, so far as we know, no First Amendment issue has ever been raised. Recipients of Social Security and welfare payments are free to buy food at church bazaars and even to contribute to the collection plate from their government subsidies, with no First Amendment question being asked. Indeed, we believe that the penalty that is now imposed on parents who do not send their children to public schools violates the spirit of the First Amendment, whatever lawyers and judges may decide about the letter. Public schools teach religion, too—not a formal, theistic religion, but a set of values and beliefs that constitute a religion in all but name. The present arrangements abridge the religious freedom of parents who do not accept the religion taught by the public schools yet are forced to pay to have their children indoctrinated with it, and to pay still more to have their children escape indoctrination.

Debt was an ugly word and an ugly concept to Olive. A bill unpaid past the fifteenth of the month was a debt. The word had connotations of dirt and slovenliness and dishonor. Olive, who truly believed that her family was the best in the world, quite snobbishly would not permit it to be touched by debt. She planted that terror of debt so deeply in her children that even now, in a changed economic pattern where indebtedness is a part of living, I become restless when a bill is two days overdue. Olive never accepted the time-payment plan when it became popular. A thing bought on time was a thing you did not own and for which you were in debt. She saved for things she wanted, and this meant that the neighbors had new gadgets as much as two years before we did.

Certainly, the Negro has been deprived. Few people consider the fact that, in addition to being enslaved for two centuries, the Negro was, during all those years, robbed of the wages of his toil. No amount of gold could provide an adequate compensation for the exploitation and humiliation of the Negro in America down through the centuries. Not all the wealth of this affluent society could meet the bill. Yet a price can be placed on unpaid wages. The ancient common law has always provided a remedy for the appropriation of the labor of one human being by another. This law should be made to apply for American Negroes. The payment should be in the form of a massive program by the government of special, compensatory measures which could be regarded as a settlement in accordance with the accepted practice of common law. Such measures would certainly be less expensive than any computation based on two centuries of unpaid wages and accumulated interest.

In other words, money isn’t a material reality – it is a psychological construct. It works by converting matter into mind. But why does it succeed? Why should anyone be willing to exchange a fertile rice paddy for a handful of useless cowry shells? Why are you willing to flip hamburgers, sell health insurance or babysit three obnoxious brats when all you get for your exertions is a few pieces of coloured paper? People are willing to do such things when they trust the figments of their collective imagination. Trust is the raw material from which all types of money are minted. When a wealthy farmer sold his possessions for a sack of cowry shells and travelled with them to another province, he trusted that upon reaching his destination other people would be willing to sell him rice, houses and fields in exchange for the shells. Money is accordingly a system of mutual trust, and not just any system of mutual trust: money is the most universal and most efficient system of mutual trust ever devised. What created this trust was a very complex and long-term network of political, social and economic relations. Why do I believe in the cowry shell or gold coin or dollar bill? Because my neighbours believe in them. And my neighbours believe in them because I believe in them. And we all believe in them because our king believes in them and demands them in taxes, and because our priest believes in them and demands them in tithes. Take a dollar bill and look at it carefully. You will see that it is simply a colourful piece of paper with the signature of the US secretary of the treasury on one side, and the slogan ‘In God We Trust’ on the other. We accept the dollar in payment, because we trust in God and the US secretary of the treasury. The crucial role of trust explains why our financial systems are so tightly bound up with our political, social and ideological systems, why financial crises are often triggered by political developments, and why the stock market can rise or fall depending on the way traders feel on a particular morning.

But I was wrong about that. From the moment of my reluctant entrance into the vaccine debate in 2005, I was astonished to realize that the pervasive web of deep financial entanglements between Pharma and the government health agencies had put regulatory capture on steroids. The CDC, for example, owns 57 vaccine patents1 and spends $4.9 of its $12.0 billion-dollar annual budget (as of 2019) buying and distributing vaccines.2,3 NIH owns hundreds of vaccine patents and often profits from the sale of products it supposedly regulates. High level officials, including Dr. Fauci, receive yearly emoluments of up to $150,000 in royalty payments on products that they help develop and then usher through the approval process.4 The FDA receives 45 percent of its budget from the pharmaceutical industry, through what are euphemistically called “user fees.”5 When I learned that extraordinary fact, the disastrous health of the American people was no longer a mystery; I wondered what the environment would look like if the EPA received 45 percent of its budget from the coal industry!

The book received a wider review in the business press than in academic journals. A few weeks after the U.S. publication I was invited to address the annual meeting of Drexel-Burnham to outline how the new Treasury bill standard of world finance had replaced the gold exchange standard. Herman Kahn was the meeting’s other invited speaker. When I had finished, he got up and said, “You’ve shown how the United States has run rings around Britain and every other empire-building nation in history. We’ve pulled off the greatest rip-off ever achieved.” He hired me on the spot to join him as the Hudson Institute’s economist. I was happy enough to leave my professorship in international economics at the New School for Social Research. My professional background had been on Wall Street as balance-of-payments economist for the Chase Manhattan Bank and Arthur Andersen. My research along these lines was too political to fit comfortably into the academic economics curriculum, but at the Hudson Institute I set to work tracing how America was turning its payments deficit into an unprecedented element of strength rather than weakness.

Templates for Protest Letters 1. TO TACKLE A SURPRISE OUT-OF-NETWORK BILL Dear Sir or Madam: The bills enclosed were for out-of-network services performed on __________ during my admission to __________ Medical Center, a hospital that is in my insurance network. I went to __________ Medical Center precisely because it was in my network. I was not informed of these providers’ out-of-network status and did not consent to being treated by any out-of-network providers. Since I did not give informed consent for treatment beyond the terms and network of my insurance policy, I suggest you contact my insurer to work out payment; I will pay only that portion of the bill that I would have paid for in-network services. Please stop this effort to collect a bill I do not owe for a service I was never informed would be out-of-network. If I get another notice, I will report this collection effort to the __________ State Department of Insurance and __________ State Department of Consumer Affairs. Sincerely, 2. TO OBTAIN MEDICAL RECORDS AND ITEMIZED BILLS Dear Sirs or Madam: I have now requested my medical records/itemized bill __________ times and have yet to receive the material. It is my right to receive these

And the sound of my own washer and dryer interfered with my sleep. So I just threw away my dirty underpants. All the old pairs reminded me of Trevor, anyway. For a while, tacky lingerie from Victoria’s Secret kept showing up in the mail—frilly fuchsia and lime green thongs and teddies and baby-doll nightgowns, each sealed in a clear plastic Baggie. I stuffed the little Baggies into the closet and went commando. An occasional package from Barneys or Saks provided me with men’s pajamas and other things I couldn’t remember ordering—cashmere socks, graphic T-shirts, designer jeans. I took a shower once a week at most. I stopped tweezing, stopped bleaching, stopped waxing, stopped brushing my hair. No moisturizing or exfoliating. No shaving. I left the apartment infrequently. I had all my bills on automatic payment plans. I’d already paid a year of property taxes on my apartment and on my dead parents’ old house upstate. Rent money from the tenants in that house showed up in my checking account by direct deposit every month. Unemployment was rolling in as long as I made the weekly call into the automated service and pressed “1” for “yes” when the robot asked if I’d made a sincere effort to find a job.

Johnston wrote how by 1990, “Trump’s inability to pay his debts had put him at risk of losing his casinos.”64 The rules of the New Jersey Casino Control Commission required casino owners to have enough liquidity to pay their bills or see their ownership license revoked. Trump would either get a government rescue package or declare bankruptcy. Casino regulators, Johnston wrote, documented that Trump was down to his last $1.6 million.65 He had obligations to make payments on more than $1 billion worth of bonds every ninety days on his three casinos in Atlantic City. Johnston wrote: Trump’s obvious difficulty complying with the financial stability requirements of the Casino Control Act raised a glaring question: Had regulators been monitoring Trump’s finances since he got his casino license in 1982? The answer was no. The regulators had been too busy with work they deemed more important. There was, for example, the predawn arrest of a cocktail waitress named Diane Pussehl, who was pulled from bed and charged with a felony for picking up a $500 chip on the floor of Harrah’s casino. A judge tossed the case out, so the casino regulators filed a misdemeanor charge. It also was tossed. Then they went after Pussehl’s license, arguing she was morally unfit to work in a casino. Pussehl kept her license.66

The CEO answered by saying the bill was too high, that he’d pay half of it and that they would talk about the rest. After that, he stopped answering her calls. The underlying dynamic was that this guy didn’t like being questioned by anyone, especially a woman. So she and I developed a strategy that showed him she understood where she went wrong and acknowledged his power, while at the same time directing his energy toward solving her problem. The script we came up with hit all the best practices of negotiation we’ve talked about so far. Here it is by steps: A “No”-oriented email question to reinitiate contact: “Have you given up on settling this amicably?” A statement that leaves only the answer of “That’s right” to form a dynamic of agreement: “It seems that you feel my bill is not justified.” Calibrated questions about the problem to get him to reveal his thinking: “How does this bill violate our agreement?” More “No”-oriented questions to remove unspoken barriers: “Are you saying I misled you?” “Are you saying I didn’t do as you asked?” “Are you saying I reneged on our agreement?” or “Are you saying I failed you?” Labeling and mirroring the essence of his answers if they are not acceptable so he has to consider them again: “It seems like you feel my work was subpar.” Or “… my work was subpar?” A calibrated question in reply to any offer other than full payment, in order to get him to offer a solution: “How am I supposed to accept that?” If none of this gets an offer of full payment, a label that flatters his sense of control and power: “It seems like you are the type of person who prides himself on the way he does business—rightfully so—and has a knack for not only expanding the pie but making the ship run more efficiently.” A long pause and then one more “No”-oriented question: “Do you want to be known as someone who doesn’t fulfill agreements?” From my long experience in negotiation, scripts like this have a 90 percent success rate. That is, if the negotiator stays calm

Give us an idea of…” Noya Baram rubs her temples. “Oh, well.” Augie begins to stroll around again. “The examples are limitless. Small examples: elevators stop working. Grocery-store scanners. Train and bus passes. Televisions. Phones. Radios. Traffic lights. Credit-card scanners. Home alarm systems. Laptop computers will lose all their software, all files, everything erased. Your computer will be nothing but a keyboard and a blank screen. “Electricity would be severely compromised. Which means refrigerators. In some cases, heat. Water—well, we have already seen the effect on water-purification plants. Clean water in America will quickly become a scarcity. “That means health problems on a massive scale. Who will care for the sick? Hospitals? Will they have the necessary resources to treat you? Surgical operations these days are highly computerized. And they will not have access to any of your prior medical records online. “For that matter, will they treat you at all? Do you have health insurance? Says who? A card in your pocket? They won’t be able to look you up and confirm it. Nor will they be able to seek reimbursement from the insurer. And even if they could get in contact with the insurance company, the insurance company won’t know whether you’re its customer. Does it have handwritten lists of its policyholders? No. It’s all on computers. Computers that have been erased. Will the hospitals work for free? “No websites, of course. No e-commerce. Conveyor belts. Sophisticated machinery inside manufacturing plants. Payroll records. “Planes will be grounded. Even trains may not operate in most places. Cars, at least any built since, oh, 2010 or so, will be affected. “Legal records. Welfare records. Law enforcement databases. The ability of local police to identify criminals, to coordinate with other states and the federal government through databases—no more. “Bank records. You think you have ten thousand dollars in your savings account? Fifty thousand dollars in a retirement account? You think you have a pension that allows you to receive a fixed payment every month?” He shakes his head. “Not if computer files and their backups are erased. Do banks have a large wad of cash, wrapped in a rubber band with your name on it, sitting in a vault somewhere? Of course not. It’s all data.” “Mother of God,” says Chancellor Richter, wiping his face with a handkerchief.

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This is what happened when I cofounded LinkedIn. The key business model innovations for LinkedIn, including the two-way nature of the relationships and filling professionals’ need for a business-oriented online identity, didn’t just happen organically. They were the result of much thought and reflection, and I drew on the experiences I had when founding SocialNet, one of the first online social networks, nearly a decade before the creation of LinkedIn. But life isn’t always so neat. Many companies, even famous and successful ones, have to develop their business model innovation after they have already commenced operations. PayPal didn’t have a business model when it began operations (I was a key member of the PayPal executive team). We were growing exponentially, at 5 percent per day, and we were losing money on every single transaction we processed. The funny thing is that some of our critics called us insane for paying customers bonuses to refer their friends. Those referral bonuses were actually brilliant, because their cost was so much lower than the standard cost of acquiring new financial services customers via advertising. (We’ll discuss the power and importance of this kind of viral marketing later on.) The insanity, in fact, was that we were allowing our users to accept credit card payments, sticking PayPal with the cost of paying 3 percent of each transaction to the credit card processors, while charging our users nothing. I remember once telling my old college friend and PayPal cofounder/ CEO Peter Thiel, “Peter, if you and I were standing on the roof of our office and throwing stacks of hundred-dollar bills off the edge as fast as our arms could go, we still wouldn’t be losing money as quickly as we are right now.” We ended up solving the problem by charging businesses to accept payments, much as the credit card processors did, but funding those payments using automated clearinghouse (ACH) bank transactions, which cost a fraction of the charges associated with the credit card networks. But if we had waited until we had solved this problem before blitzscaling, I suspect we wouldn’t have become the market leader.

Anything acquired without effort, and without cost is generally unappreciated, often discredited; perhaps this is why we get so little from our marvelous opportunity in public schools. The SELF-DISCIPLINE one receives from a definite programme of specialized study makes up to some extent, for the wasted opportunity when knowledge was available without cost. Correspondence schools are highly organized business institutions. Their tuition fees are so low that they are forced to insist upon prompt payments. Being asked to pay, whether the student makes good grades or poor, has the effect of causing one to follow through with the course when he would otherwise drop it. The correspondence schools have not stressed this point sufficiently, for the truth is that their collection departments constitute the very finest sort of training on DECISION, PROMPTNESS, ACTION and THE HABIT OF FINISHING THAT WHICH ONE BEGINS. I learned this from experience, more than twenty-five years ago. I enrolled for a home study course in Advertising. After completing eight or ten lessons I stopped studying, but the school did not stop sending me bills. Moreover, it insisted upon payment, whether I kept up my studies or not. I decided that if I had to pay for the course (which I had legally obligated myself to do), I should complete the lessons and get my money's worth. I felt, at the time, that the collection system of the school was somewhat too well organized, but I learned later in life that it was a valuable part of my training for which no charge had been made. Being forced to pay, I went ahead and completed the course. Later in life I discovered that the efficient collection system of that school had been worth much in the form of money earned, because of the training in advertising I had so reluctantly taken.

Anything acquired without effort, and without cost is generally unappreciated, often discredited; perhaps this is why we get so little from our marvelous opportunity in public schools. The SELF-DISCIPLINE one receives from a definite programme of specialized study makes up to some extent, for the wasted opportunity when knowledge was available without cost. Correspondence schools are highly organized business institutions. Their tuition fees are so low that they are forced to insist upon prompt payments. Being asked to pay, whether the student makes good grades or poor, has the effect of causing one to follow through with the course when he would otherwise drop it. The correspondence schools have not stressed this point sufficiently, for the truth is that their collection departments constitute the very finest sort of training on DECISION, PROMPTNESS, ACTION and THE HABIT OF FINISHING THAT WHICH ONE BEGINS. I learned this from experience, more than twenty-five years ago. I enrolled for a home study course in Advertising. After completing eight or ten lessons I stopped studying, but the school did not stop sending me bills. Moreover, it insisted upon payment, whether I kept up my studies or not. I decided that if I had to pay for the course (which I had legally obligated myself to do), I should complete the lessons and get my money's worth. I felt, at the time, that the collection system of the school was somewhat too well organized, but I learned later in life that it was a valuable part of my training for which no charge had been made. Being forced to pay, I went ahead and completed the course. Later in life I discovered that the efficient collection system of that school had been worth much in the form of money earned, because of the training in advertising I had so reluctantly taken. We have in this country what is said to be the greatest public school system in the world. We have invested fabulous sums for fine buildings, we have provided convenient transportation for children living in the rural districts, so they may attend the best schools, but there is one astounding weakness to this marvelous system-IT IS FREE! One of the strange things about human beings is that they value only that which has a price. The free schools of America, and the free public libraries, do not impress people because they are free. This is the

Economics is a notoriously complicated subject. To make things easier, let’s imagine a simple example. Samuel Greedy, a shrewd financier, founds a bank in El Dorado, California. A. A. Stone, an up-and-coming contractor in El Dorado, finishes his first big job, receiving payment in cash to the tune of $1 million. He deposits this sum in Mr Greedy’s bank. The bank now has $1 million in capital. In the meantime, Jane McDoughnut, an experienced but impecunious El Dorado chef, thinks she sees a business opportunity – there’s no really good bakery in her part of town. But she doesn’t have enough money of her own to buy a proper facility complete with industrial ovens, sinks, knives and pots. She goes to the bank, presents her business plan to Greedy, and persuades him that it’s a worthwhile investment. He issues her a $1 million loan, by crediting her account in the bank with that sum. McDoughnut now hires Stone, the contractor, to build and furnish her bakery. His price is $1,000,000. When she pays him, with a cheque drawn on her account, Stone deposits it in his account in the Greedy bank. So how much money does Stone have in his bank account? Right, $2 million. How much money, cash, is actually located in the bank’s safe? Yes, $1 million. It doesn’t stop there. As contractors are wont to do, two months into the job Stone informs McDoughnut that, due to unforeseen problems and expenses, the bill for constructing the bakery will actually be $2 million. Mrs McDoughnut is not pleased, but she can hardly stop the job in the middle. So she pays another visit to the bank, convinces Mr Greedy to give her an additional loan, and he puts another $1 million in her account. She transfers the money to the contractor’s account. How much money does Stone have in his account now? He’s got $3 million. But how much money is actually sitting in the bank? Still just $1 million. In fact, the same $1 million that’s been in the bank all along. Current US banking law permits the bank to repeat this exercise seven more times. The contractor would eventually have $10 million in his account, even though the bank still has but $1 million in its vaults. Banks are allowed to loan $10 for every dollar they actually possess, which means that 90 per cent of all the money in our bank accounts is not covered by actual coins and notes.2 If all of the account holders at Barclays Bank suddenly demand their money, Barclays will promptly collapse (unless the government steps in to save it). The same is true of Lloyds, Deutsche Bank, Citibank, and all other banks in the world. It sounds like a giant Ponzi scheme, doesn’t it? But if it’s a fraud, then the entire modern economy is a fraud. The fact is, it’s not a deception, but rather a tribute to the amazing abilities of the human imagination. What enables banks – and the entire economy – to survive and flourish is our trust in the future. This trust is the sole backing for most of the money in the world.

I learned to suppress my shock at traumatic things. I learned to tell a real crisis from mere poverty. I learned that behavior that looks lazy or withdrawn to someone perched far above the poverty line can actually be a pacing technique. People like Crystal or Larraine cannot afford to give all their energy to today’s emergency only to have none left over for tomorrow’s. I saw in the trailer park and inner city resilience and spunk and brilliance. I heard a lot of laughter. But I also saw a lot of pain. Toward the end of my fieldwork, I wrote in my journal, “I feel dirty, collecting these stories and hardships like so many trophies.” The guilt I felt during my fieldwork only intensified after I left. I felt like a phony and like a traitor, ready to confess to some unnamed accusation. I couldn’t help but translate a bottle of wine placed in front of me at a university function or my monthly day-care bill into rent payments or bail money back in Milwaukee. It leaves an impression, this kind of work. Now imagine it’s your life.

The bill then commenced a round of payment for lingerie, biopsy results and brake linings. It suffered a life that the most lurid of imaginations could not conjure. It penetrated deep into the repulsive nature of banality. It traveled and was suckered more than once. It knew bright lights and dark pockets. It knew admissions to pornographic films. It bought ten pairs of Mexican boxing shoes, a cheap cashmere sweater and a down payment for a trip never realized. It went off like an orphan, wailing. The flashy coincidences it disclosed were made routine by repetition. It never looked life straight in the eye. Not once. And it never returned.

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Retail managers know that while their official vendors are large multinationals like Procter & Gamble and Hindustan Unilever Limited, what they are actually dealing with is someone like ‘Agarwal & Gupta Distributors’, the RS of the MNC. And so, while a good relationship with HUL can be developed by promoting their products, the truth is that a good relationship with the RS can be developed mainly by promoting his working capital availability. The RS is not merely a supplier of goods. He is a vital link in the whole retail chain and can be underestimated only at one’s peril. This is exactly what one large retail chain figured out early, and used to get the most amazing competitive advantage. Supermarket retail has a built-in advantage not available to traditional retailers. On the buying end, they buy bigger quantities and get a substantial period of time to make payment to the suppliers compared to smaller retailers, who sometimes have to pay cash on delivery. On the selling side, no customer gets credit at a supermarket. You scan, you bill, you pay and go — that’s the supermarket way. For the kirana, however, most regular customers expect a ‘khata’, a monthly account. Kirana customers buy through the month and pay only at the end. Supermarkets, by design, therefore, buy on liberal credit and sell on cash. Therefore, they are ‘cash surplus’ on a day-to-day basis. Their competitors, the kirana stores, are not. This particular retailer decided to make the payment terms more favourable to the supplier. So where the industry practice was eight days, this retailer reduced it to four days. In effect, the retailer halved the credit period, thus influencing the vendor’s working capital availability favourably. The vendor, in turn, now had a stake in the retailer’s growth and continued prosperity. The relationship soon turned into a win-win partnership. The vendor developed ingenious ways to enhance the retailer’s market share in various catchments.

records in any form I request under the Health Insurance Portability and Accountability Act within thirty days and for a reasonable handling and processing fee. If this material is not quickly forthcoming, I will file a complaint with the federal Health and Human Services’ Office for Civil Rights, which prosecutes HIPPA violations. Sincerely, 3. TO CHALLENGE OUTRAGEOUS CHARGES/BILLING ERRORS Dear Sirs or Madam: I’m writing to protest what I regard as excessive charges for my operation/hospitalization/procedure at your medical facility. The operation/hospitalization/procedure was billed to my insurer/me at $__________,__________. This total included several itemized charges that were well above norms for our nation and our region, such as a $__________,__________ charge for __________ and a $__________,__________ charge for __________. The Healthcare Bluebook says a “fair price” is $__________,__________ and $__________,__________. Likewise, my bill includes entries for treatments I simply did not receive, such as $__________ for __________ and $__________ for __________. Before sending in any payment, I’m requesting that your billing and coding department review my chart to revise the charges, or explain to me the size and the nature of such entries. I have been a loyal customer of your hospital for many years and have been happy with my excellent medical care. But if these billing issues are not resolved, I feel compelled to report them to the state attorney general/consumer protection agency, to investigate fraudulent or abusive billing practices. Sincerely,

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Do you need to answer that?” “I already know what they want.” “They?” “Bill collectors.” “As in, looking for payment?” “No. They’re calling to find out if white pumps and pencil skirts are in for the spring.

Some areas of opportunity: •   First, stop saying, “Well, this is just the way it is in our industry.” •   Have your available cash reported DAILY, with a short explanation of why it changed in the last 24 hours, and chart it against accounts receivable (AR) and accounts payable (AP) weekly. You’ll learn so much more about your business when you see how the cash is flowing on a daily basis. •   If you want to be paid sooner, ask. Small firms are finding that large companies (and governments!!) will pay considerably faster or even prepay if they simply ask, ask, ask, ask, and ask some more. •   Give value back to customers who pay on time or in advance. •   Get your invoices out more quickly. Hire one more person in accounting to do nothing but make sure invoicing is timely and follow up on payments. •   Send friendly reminders five days before the deadline that payments are due. Many customers are disorganized and will appreciate the reminders, resulting in faster payment. •   If invoices are recurring, obtain recurring credit card authorization from your customers to automate on-time payments. •   Understand why your clients are paying late. They might be unhappy with your product or service. Or perhaps an invoice has recurring mistakes, or it is not structured to flow through the customer’s automated invoicing system. •   Understand each customer’s payment cycles, and time your billings to coincide. •   Pay many of your own expenses with a credit card so you can play the float. Get your own customers to pay by credit card, so they can pay you quickly even if their cash flow is slow. •   Help your customers improve their cash flow so they can pay you on time. Offer them leasing options, for instance. •   Shorten cycles for delivery of your product or service. All of you have some kind of “work in progress.” The faster you complete projects, the faster you get paid. •   Offer a product or service so valuable that you have some leverage with your customers to get them to pay sooner. • Remember, improving margins and profit improves cash.

in the end what they all had in common was that these were not people. They were consumers: units for the consumption of goods and the payment of revenue. The crime here, the monstrous crime, was not that Bill, or Tracy, or the twins, Grandpa or Aunty Peg were going to die a horrible death, it was not that children were going to be robbed of their parents, or parents robbed of their children. The crime, the heinous, monstrous crime, was that the American economy was going to be crippled

Up the street at X.com, CEO Bill Harris wasn’t resting easy. “We were both the same size, growing at the same speed,” Harris remembered. “We would have destroyed ourselves competing.” He saw the writing on the wall: two payment networks catering to the same market couldn’t achieve scale simultaneously. “True networks are a naturally monopolistic business,” Harris explained

The One Question to Never Ask Your Customer Even seemingly widespread and innocuous practices can have unintended consequences. For example, to confirm understanding with their clients at the end of a statement or explanation, many sellers use the phrase “Does that make sense?” As in, “We understand that many of our clients have cash-flow constraints, which is why we offer monthly or quarterly payment terms that align with how they bill their customers. Does that make sense?” Or, “One of the things our clients love about our solution is the way our unique, three-layer security algorithm proactively identifies orthogonal threats to your network before they can cause harm. Does that make sense?” While the use of this confirmatory statement may seem innocuous, many people on the receiving end feel strangely put off by it (I am one of those people). The reason is because that phrase can subconsciously be interpreted in one of two negative ways. First, it can be seen as an insult to the customer’s intelligence: “Does that make sense? I ask because I’m not quite sure how smart you are so I’m afraid this concept, no matter how intuitive it may seem to me, simply isn’t something your puny brain has the ability to understand.” Second, it can imply that the seller simply isn’t good at explaining things: “Does that make sense? I ask because I’m not very good at explaining things and my words often leave people with a sense of confusion and bewilderment. I just want to make sure I didn’t do that to you.

Hereupon there was appointed an able and faithful committee of gentlemen, who printed, from copper-plates, a just number of bills, and flourished, indented, and contrived them in such a manner, as to make it impossible to counterfeit any of them, without a speedy discovery of the counterfeit: besides which, they were all signed by the hands of three belonging to that committee. These bills being of several sums, from two shillings to ten pounds, did confess the Massachuset-colony to be endebted unto the person in whose hands they were, the sums therein expressed; and provision was made, that if any particular bills were irrecoverably lost, or torn, or worn by the owners, they might be recruited without any damage to the whole in general. The publick debts to the sailors and soldiers, now upon the point of mutiny, (for, Arma Tenenti, Omnia dat, qui Justa negat!)[161] were in these bills paid immediately: but that further credit might be given thereunto, it was ordered that they should be accepted by the treasurer, and all officers that were subordinate unto him, in all publick payments, at five per cent, more than the value expressed in them. The people knowing that the tax-act would, in the space of two years at least, fetch into the treasury as much as all the bills of credit thence emitted would amount unto, were willing to be furnished with bills, wherein it was their advantage to pay their taxes, rather than in any other specie; and so the sailors and soldiers put off their bills, instead of money, to those with whom they had any dealings, and they circulated through all the hands in the colony pretty comfortably.

You have another young patient on immunotherapy? Here at Duke?" I repeat slowly, as Dr. Cartwright chats amicably about how he managed to secure the same drug for him too. Months ago. Months I have spent traveling to Atlanta, whittling down my family's savings and relying on the charity of others. Months of arguing with insurance companies---because treatment was administered out of state---contesting payments and fielding phone calls with bill collectors over clerical errors. I have been hooked to a bag of chemotherapy fluid that could have been administered by pills? I have been getting on a plane when I could have been walking down the hallway in my own institution?

First, let's be clear what I mean by “ask for the cash” and “ride the float.” I mean the following: After (courageously) asking for and getting payment from your customers as early as possible (ideally before you make or deliver what they've agreed to buy) and after convincing your key suppliers to take payment from you as late as possible (perhaps 30 or 60 or 90 days after they've shipped you what you ordered), you'll find your bank account flush with cash, at least until you have to pay your suppliers. While you have that cash in hand—the “float” before you have to pay it to your suppliers—you can use it to grow your business. Buy inventory. Hire people. Buy more Google AdWords. And so on. As your business grows, you then use your future revenue to pay your suppliers and your people, just in time when their bills come due. That's exactly what 19‐year‐old Michael Dell did in 1984 to start Dell Computer. And it's mostly how he grew Dell, too.

The Senate declined to pass a bill paying out the bonus, and Hoover sent regular army troops, tanks, and machine guns to clear the tent city. The aggressive move resulted in one hundred injuries and wounds. Some veterans attempted to set up camp again, and this time Washington police fired on them, killing William Hushka and Eric Carlson. Both are buried in Arlington National Cemetery. Much-reduced bonus payments would eventually come in 1936.

She barely made enough to cover her rent and food, not to mention her truck payments and a pair of insurmountable credit card bills. Often Dani felt like her debt was a giant chasing her, his footsteps smashing the land.

Simple Fast Funnels may be the new kid on the block when it comes to a complete bumper to bumper CRM system, but it’s a force to be reckoned with! Business owners are switching over right and left and I’m going to outline 10 of the best features of Simple Fast Funnels so you can see what all the buzz is about! Funnel builder: Simple Fast Funnels has easy intuitive software so you can build your own landing pages, funnels, websites, sales pages etc. No developer needed, everything included and simple to use Email Software: Instead of paying hundreds or thousands per month to send emails, this software does it for you! You can have your entire email list automated or send emails on the fly, whatever fits the bill for you, they’ve got you covered and it’s so easy to track your email results so you can modify and make improvements as you go. Online Membership Area: Now, for no additional fees that lot’s of CRM software likes to charge, you can build glorious membership areas for your clients. You can control timing on video releases, give access for certain time periods upset packages… whatever your business looks like, if you can dream it, you can build it in the membership area. Survey and quiz generator: Ramp up your lead capture game to grow your customer list! One of the best ways to get leads is to get your customers talking about themselves. Not only do people love to take surveys and quizzes, but it can help you gather information about your clients to serve them better and grow your sales! SMS Marketing Software: If you’re not messaging your customers, you’re missing out, and if you are messaging your customers you’re probably over paying. Amazing automated intuitive SMS marketing can make your life much easier and allow you to reach your customers in more ways. Being where your customers are more present is always good for business. Simple Fast Funnels helps you get the cheapest SMS rates around and it automatically integrates into the system for your unified messages. Appointment booking: Another expensive thing you used to have to pay for and try to get to work properly with your website AND look decent is also built right in. Now, without leaving Simple Fast Funnels, you’re able to capture the lead, follow up with the lead all over the place, engage with them, build trust, book appointments, schedule calls and even send them automated text reminders. E com Purchases: Directly on your website, you’ll be able to take payments. No more invoices sent from other platforms, everything buttoned up nice and clean. Unified messaging: From now on, whether a client emails, texts, calls etc, it all shows up in one place at your end. This might not seem like a big deal, but it’s a HUGE pain to have to follow customers about and keep track of conversations. Now you see all your communication with customers in a neat little area. Blogs: Blogs these days can really help your marketing efforts across the board, and of course your blogs will be a perfect fit in your simple fast funnel account. Analytics: Data tracking when you’re dealing with features on various platforms is a nightmare. If you capture a lead on a Word press landing page, send it an email software like Keep, mail chimp or whatever, send them to a new website to schedule calls and another to make purchases… How could you possibly expect to get good customer data? Hosting all of your “business” in one location makes tracking flawless. The more customers you have the more data you need to be efficient. Cheers to making it easy. All that software and that’s just the top 10, guys there’s more. Simplefastfunnels.com also lets you have a 2 week free trial. Don’t take anyone word for anything. Go try it for yourself.

usual method. 20. ONLINE BANKING SERVICES Meaning : If a system allows an individual to perform his banking activities at his home, via internet is called Online banking. Now most of the traditional banks are also offering online banking services to the customers. Online banking services in traditional banks enable the customers to perform all usual transactions, such as account transfers, balance inquiries, bill payments, and stop-payment requests, online loan and credit card applications. Customers account information’s can also be accessed at anytime, day or night, and it can be done at any time and from any place. If once the information entered then there is no need to be re-entered for subsequent checks, and future payments can also be scheduled to occur automatically. Advantages of Online Banking Easy and safe - Customer’s can check their account balance and status of their account in online at anytime. Online visits “reduce the impact of an act of fraud. No fee : Many banks offer free bill pay Comfort : Process in online banking is easy and quick. A bank’s location can be easily identified and instantly a person can find the way to reach banks destinations, this system has more features, such as regular cash checks and it provides recent transaction reports including payments, transfers and deposits, and warn you at potential security threats. Fund transfer : Banks facilitates to transfer money from the account of one person to another person’s

Unexpected emergency plumbers Unexpected emergency plumber is? If your own group, but probably the same dress isn’t in the middle, where they start imitating the pool, the owner most likely to smoke. This is certainly a task that will require a qualified plumber, clean bathrooms and sinks in each backup, and even the simple addition of a new line of right tubes. Unfortunately, there are elements that do not require any old plumber, but a situation of sudden emergency, like H2O uncontrolled always works with tap water and start flooding the marsh peace. However, they are high quality. How can I tell if other service providers should be, or not? Are you sure you need a plumber crisis? Shortly before speaking to the installer should complete the water supply or the probability that the water line, the rack provides back. It is in order to avoid problems with the drinking water. He is not only very welcome to complete the water flow. After the arrest of H2O oneself've, evaluates the circumstances. If the problem is a bathroom fully equipped, bathroom once, until dawn, so the long-term wear’s each washing. He is a very potential and are reluctant to get up early in the morning when you are ready for self-determination, these solutions makes the kitchen sink, toilet and a lounge. In fact, you can get away from high fire call 24 hours a plumber at night for a few hours or during holidays or weekends to stay. In an interview with an unexpected emergency plumbers Unfortunately, when the time of the suspension of H2O and objective analysis and emergency may not be present, created only for contacting unexpected emergency sanitary and easy and to take concerns in writing to the other include some content his hands to keep the person. Preliminary interviews hydraulic range is trying to understand a lot of the other Box difficulties. Other personal data and many other facts themselves can be better able to assess the management of the crisis and the calculation of the payments change. Is a great addition to the amount pipeline management principle affects many, if not yet in a plumber decision. In fact, bought a lot of contact carrier price quotes can also sometimes significant price differences. Also check out the views of the services is in his hands. Some of the costs only in the room, even if they, after maintenance. Well, the result have, as it in this area before the season and it is surprising simply be a monthly bill. Please ask to get the price of maintenance. 24 hours plumber not calculates the direction of providing greater than a cell phone, and requires separate installation scenario earlier selection. But it can be equipped with a direction to select difficulty of defining and thinking about the cost, if he succeeded in presenting the sewage system in unforeseen emergencies. Ask will differ plumber state and talk about their own crisis normal or common prices. If you need to contact the unexpected rescue tend to check an unexpected emergency plumber to the self to take us in the direction of first, so that you can be your own ready to talk to the plumber, one after another, much better, then you determine the value.

Get Additional Cash Quick From Payday Loans UK! In our daily living, it is a fact that several distinct situations that are surprising may happen at any given time. Usually, these unpredicted happenings come with a specific amount of cash, and they take place when we least expect them. Regardless of how much we try to be well- prepared, reality is unable to be marked down that there are really moments when we need to have that extra cash. So what should you do when these unanticipated events simply catch you off guard and suddenly occur? Where can you get that additional cash? This kind of loan is also called many other names such as salary loan, payday advance, payroll loan, and cash advance. You may possibly have experienced having such a credit, just that you’re not familiar with the term. Where Can Common Folk Get Them? Getting payday loans UK isn’t just restricted to your area of employment, but rather you can even try getting it from other firms that offer such a loan. You can actually find financial institutions engaging in this type of business by just going online. Oftentimes, applying for this particular type of credit is actually super easy and suitable for the borrower. Aside from having a hassle and worry free application, the application is normally processed rapid. Do not be afraid about that because these firms guarantee your private details are 100% safe if you’re hesitant about sharing your own personal information. In fact, privacy and anonymity is one the greatest reasons to apply for a loan online. You won’t be fodder for gossip; and, without anyone having to understand, unlike banks, where they’ve to call your partner to inform them that you’re applying for a loan, you can secure a payday loan. Obviously, this is for you don’t miss your payment that is scheduled. You try to run away from your obligations and when you do, that is going to be a different story. As a result of payday loans UK, having those unanticipated and inconvenient expenses are not actually a huge issue anymore. With this sort of fiscal help, you really do not have to be concerned about not having an additional money to pay for all those unexpected bills. What Do You Really Need To Know? In order to avail of this kind of credit, the borrower must first fulfill the prerequisites. In the event you have all the required conditions, then borrowing money from this type of loan should not be an issue. Application forms for this particular loan can be generally obtained at any given moment. As a borrower, you also have so many choices as to where you can borrow cash, so take time be educated about the rate of their interest, and additionally to have a look at some of the business’s product features. It’ll be best in the event you get the one which offers low interest rates as well as one that could permit you to pay in payments that are staggered that it is going to also so easy on your own pocket.

For example, in October 2012, Barclaycard asked the Ring community if the company should change its late-fee policy. The existing policy allowed members a three-day grace period before charging a late-payment penalty. Barclaycard proposed eliminating the three-day grace period and allowing one late payment per year. From its analysis, Barclaycard estimated it would generate 15 percent more late-fee revenue, which would result in higher profits for the community. Members voted overwhelmingly to adopt the policy. They were willing to punish those members who were habitually late payers to generate more profit for the community. This behavior may seem counterintuitive, but because most members paid their bills on time, they wouldn’t be adversely affected.

It takes big money to preach a big Gospel to a great big world. We have to have our own land. We have to pay electricity bills, water bills, generator bills, staff payment, security, the audit department needs money, and there are legalities that require money.

In Milwaukee and across the nation, most renters were responsible for keeping the lights and heat on, but that had become increasingly difficult to do. Since 2000, the cost of fuels and utilities had risen by more than 50 percent, thanks to increasing global demand and the expiration of price caps. In a typical year, almost 1 in 5 poor renting families nationwide missed payments and received a disconnection notice from their utility company.4 Families who couldn’t both make rent and keep current with the utility company sometimes paid a cousin or neighbor to reroute the meter. As much as $6 billion worth of power was pirated across America every year. Only cars and credit cards got stolen more.5 Stealing gas was much more difficult and rare. It was also unnecessary in the wintertime, when the city put a moratorium on disconnections. On that April day when the moratorium lifted, gas operators returned to poor neighborhoods with their stacks of disconnection notices and toolboxes. We Energies disconnected roughly 50,000 households each year for nonpayment. Many tenants who in the winter stayed current on their rent at the expense of their heating bill tried in the summer to climb back in the black with the utility company by shorting their landlord. Come the following winter, they had to be connected to benefit from the moratorium on disconnection. So every year in Milwaukee evictions spiked in the summer and early fall and dipped again in November, when the moratorium began.

Smith considered her, interpreting anew the temper and the bitten lip, the grinding teeth, the contempt for stories of courtship or adventure: which, he could now see, might be pre-emptive, rejection before there was a chance of being rejected. He had been warned, with teeth, away from pity; but he could not afford it anyway. It could not be his concern what the effect on her might be, if payment of the bill should damage or ruin Lovell, if it should in some wise undermine the room in which she sat. This was – it was doubly plain now – not the place for him to play, beyond the necessary play to support the business that had brought him. Not the place for any expenditure of sentiment, beyond the general appetite for life it had seemed fitting for a Mr Smith to show. Yet an unwelcome compunction was moving in him, sharp-pointed, stitching him through to the spot where he sat, attaching him by thin threads.

It would be impossible to transact business of any magnitude today if cash payments were required. We see the truth of this when we consider that more than 90% of all commercial transactions are estimated to be carried on today by the medium of commercial paper or negotiable instruments.

the creditor could draw a bill on the debtor and either use the bill as a means of payment in its own right or obtain cash for it at a discount from a banker willing to act as broker.

IN BRAZIL, where the state collects a hefty 36% of GDP in taxes and offers mediocre public services in return, tax-dodging is a national sport. The latest scam unearthed by police, treasury and finance-ministry sleuths sets a record. On March 26th they revealed that over the past ten years the government had been cheated of at least 5.7 billion reais ($1.8 billion) in back taxes and fines from firms, and perhaps as much as 19 billion reais. That would be enough to pay three-quarters of the bill for last year’s football World Cup. It is nearly twice the suspicious payments in a separate corruption scheme involving Petrobras, a state-controlled oil company. Unlike the petrolão, the tax imbroglio does not implicate top politicians. It centres instead on the Administrative Council of Fiscal Resources (CARF), part of the finance ministry, which hears appeals by firms that feel wronged by the tax collectors. Some of its 216 councillors, who decide cases in teams of six, allegedly promised to slash companies’ bills for various taxes, including sales and industrial tax, or make them disappear altogether. In exchange they apparently received 1-10% of the value of the forgone revenue. The bribes were paid in the form of bogus consulting contracts with law firms. To deflect suspicion, the conspirators used firms that do not specialise in tax law. The identity of the suspects remains secret for now. But leaks published in the press suggest that some of Brazil’s biggest firms, in industries ranging from banking to manufacturing, are involved. So, apparently, are a handful of multinationals. There is also much speculation that the dimensions of the scandal will grow: CARF has 105,000 cases pending, with a total value of 520 billion reais.

PFM links you with other users who have financial behaviours like yours, and shows you how to improve your financial returns based on what people like you do. PFM might link to your mobile and social networks, allowing you to do a lot more intelligent financial structuring and operations. PFM can alert you to budgetary and balance issues, payments and billing notices, and interest saving or gaining opportunities. In fact, depending on which PFM provider you go with, PFM can pretty much do anything you want with your banking service ... and PFM providers are popping up all over the place to show different capabilities in what is an increasingly crowded space.

TERMS AND CONDITIONS Sketches and Comps Fee quoted includes ____ preliminary concepts / sketches; additional concepts / sketches are $ _______ each. Final Artwork Fee quoted includes one set of final mechanical artwork. Changes to final artwork will be provided at an additional cost based on the extent and complexity of the changes, at $ ___ per hour or a mutually agreed upon fee, TBD. Rights Upon full payment of all fees and costs, the following rights to the use of the designs and/or artwork transfer to Client, as noted: Credit Unless otherwise agreed, Designer shall be accorded a credit line on all published, printed material, to read as follows: Overtime Fees quoted are based upon work performed during the course of regular working hours (based on a ____ hour week). Overtime, rush, holiday, and weekend work necessitated by Client’s directive is billed in addition to the fees quoted at $ ____ per hour or a mutually agreed upon fee, TBD. Change Orders Work change orders will be issued for additional work and changes requested after approvals or commencement of work. WCO’s include a description of the change/addition requested, estimated additional costs, and changes to work schedules/project completion. Client’s signature is required on WCO’s to proceed with changes/additions. Billable Items In addition to the fees and costs estimated herein, costs incurred for outside services (TBD), messengers, and courier services are billable (at cost __; with a markup of __ percent). Wherever applicable, state and local sales taxes will be included in Billable Items. Travel expenses are billed additionally, at cost.

All purchases made on client’s behalf will be billed to client. In all cases, such prices will reflect a markup of ___%. Charges for sales tax, insurance, storage, and shipping and handling are additional to the price of each purchase. In the event client purchases materials, services, or any items other than those specified by the designer, the designer is not liable for the cost, quality, workmanship, condition, or appearance of such items. Schedule of Payment Hourly Rate: Regular billing periods (bimonthly, monthly) based on hours consumed or periodic approval points. Fee Billing: ___ percent upon project commencement, ___ percent following completion of concept development, ___ percent upon completion of design development, ___ percent upon completion of production, ___ percent upon completion of implementation. Invoices are payable upon receipt. Termination Policy Client and Designer may terminate project based upon mutually agreeable terms to be determined in writing, either prior to signing of this proposal or within the final Client-Designer Contract. Term of Proposal The information contained in this proposal is valid for 30 days. Proposals approved and signed by the Client are binding upon the Designer and Client beginning on the date of Client’s signature. If the information in this Proposal meets with Client’s approval, Client’s signature below authorizes Designer to begin work. Kindly return a signed copy of this Proposal/Agreement to Designer’s office. Designer Signature _____________ Print Designer Name _____________ Date _____________ Client Signature _____________ Print Client Name _____________ Date _____________

The truth is that the vast majority of young people don’t need a financial adviser to help them get rich. We need to set up accounts at a reliable no-fee bank and then automate savings and bill payment.

We can begin by trying to take our goals less seriously. We shouldn’t buy things in the hope that they will make us happier. At the time of purchase, we trade off the joys of a faster computer or a bigger house with the costs of payment. The joy will fade — more quickly than we are built to anticipate — but the bills will remain.

What are the benefits of a Consolidation Loan? Direct Consolidation Loans allow borrowers to combine one or more of their Federal education loans into a new loan that offers several advantages. One Lender and One Monthly Payment With only one lender and one monthly bill, it is easier than ever for borrowers to manage their debt. Borrowers have only one lender, the U.S. Department of Education, for all loans included in a Direct Consolidation Loan. Flexible Repayment Options Borrowers can choose from multiple plans to repay their Direct Consolidation Loan, including an Income Contingent Repayment Plan. These plans are designed to be flexible to meet the different and changing needs of borrowers. With a Direct Consolidation Loan, borrowers can switch repayment plans at anytime. No Minimum or Maximum Loan Amounts There is no minimum amount required to qualify for a Direct Consolidation Loan! Varied Deferment Options Borrowers with Direct Consolidation Loans may qualify for renewed deferment benefits. If borrowers have exhausted the deferment options on their current Federal education loans, a Direct Consolidation Loan may renew many of those deferment options. In addition, borrowers may be eligible for additional deferment options if they have an outstanding balance on a FFEL Program loan made before July 1, 1993, when they obtain their first Direct Loan. Reduced Monthly Payments A Direct Consolidation Loan may ease the strain on a borrower’s budget by lowering the borrower’s overall monthly payment. The minimum monthly payment on a Direct Consolidation Loan may be lower than the combined payments charged on a borrower’s Federal education loans. Retention of Subsidy Benefits There are two (2) possible portions to a Direct Consolidation Loan: Subsidized and Unsubsidized. Borrowers retain their subsidy benefits on loans that are consolidated into the subsidized portion of a Direct Consolidation Loan. Temporary In-School Consolidation Authority During a one (1) year period, borrowers who meet certain requirements may consolidate loans that are in an in-school status into a Direct Consolidation Loan. Direct Consolidation Loans may be made under this temporary provision to borrowers whose consolidation applications are received on or after July 1, 2010 and before July 1, 2011. Borrowers will lose the grace period on a FFEL Subsidized/Unsubsidized Stafford Loan or Direct Subsidized/Unsubsidized Loan by consolidating the loan while it is in an in-school status. Similarly, PLUS borrowers who consolidate a Federal PLUS Loan or Direct PLUS Loan that was first disbursed on or after July 1, 2008 will lose the six (6) month post-enrollment deferment period. Parent PLUS borrowers who consolidate a Federal PLUS Loan or Direct PLUS Loan that was first disbursed on or after July 1, 2008 will lose eligibility to defer repayment while the student for whom the loan was obtained is in school. Click here for information on the eligibility requirements for this temporary provision. For more Questions you can contact The Student Loan Help Center.

He looked at the universe the way most people regard an unpaid bill; eventually they will force payment.

PROFESSOR’S TEASER Here is an interesting teaser from Harvard economics professor Greg Mankiw, in a blog post entitled ‘A quick note on a universal basic income’.25 Consider an economy in which average income is $50,000 but with much income inequality. To provide a social safety net, two possible policies are proposed. Which would you prefer? — A universal transfer of $10,000 to every person, financed by a 20-percent flat tax on income. — A means-tested transfer of $10,000. The full amount goes to someone without any income. The transfer is then phased out: You lose 20 cents of it for every dollar of income you earn. These transfers are financed by a tax of 20 percent on income above $50,000. I have seen smart people argue as follows: Policy A is crazy. Why should Bill Gates get a government transfer? He doesn’t need it, and we would need to raise more taxes to pay for it. Policy B is more progressive. It targets the transfer to those who really need it, and the transfer is financed by a smaller tax increase levied only on those with above-average incomes. But here is the rub. The two policies are equivalent. If you look at the net payment (taxes less transfers), everyone is exactly the same under the two plans. The difference is only a matter of framing. The professor’s argument is logically sound, although in practice the two policies are not equivalent. Means testing necessarily involves administrative costs for the state, and personal costs for the claimants, that reduce the value of any payment below its nominal value. Means-tested benefits are also uncertain and unstable, because the earned income on which they are based is uncertain and unstable. So, while the exchequer cost of the two policies may be equivalent, the value to recipients is not. All the more reason to go for the non-means-tested universal payment and claw it back from higher earners through the tax system.

In Original Medicare, according to an example provided by Kaiser, a $100 doctor’s bill involving a participating provider would cost you a 20 percent copayment, or $20, after Medicare’s 80 percent payment under Part B insurance rules. If you were, instead, seeing a nonparticipating provider, Medicare would first reduce its allowable fee for the service by 5 percent, from $100 to $95. If your doctor agreed to assignment here, Medicare would cover $76 of the $95 bill (its 80 percent payment) and you would pay the remaining $19. But if the doctor did not accept assignment, he or she would be able to charge you up to 115 percent of the reduced charge. In our example, this would total up to $109.25 (115 percent of $95). Medicare would still pay $76. But now you would pay not $19 but as much as $33.25. In the real world, of course, especially if the doctor involved was performing surgery, you would be multiplying this $100 many, many times over. And balance billing could definitely unbalance your budget.

The Importance of Bookkeeping Services for Doctors Managing the financial side of a medical practice can be challenging for doctors, as they are often focused on providing quality patient care. However, maintaining accurate financial records is essential for the success of any healthcare practice. Bookkeeping services tailored specifically for doctors help ensure that their financial transactions are organized, compliant, and manageable, allowing them to focus on what they do best—caring for patients. Why Doctors Need Specialized Bookkeeping Services Doctors face unique financial complexities, such as billing for medical services, managing insurance claims, handling payroll for staff, and keeping track of medical supplies and equipment. Additionally, they must ensure compliance with healthcare regulations and tax laws. Professional bookkeeping services designed for doctors take these unique needs into account, helping physicians streamline their financial operations. As a result, they can avoid errors, reduce administrative burdens, and improve cash flow. Accurate Billing and Cash Flow Management One of the key challenges doctors face is managing billing and cash flow. With a constant flow of patients and complex insurance claims, maintaining an accurate record of all transactions is essential. Bookkeeping services ensure that billing is handled efficiently, minimizing delays in receiving payments. This service also helps manage insurance claims, reducing errors that could lead to delayed reimbursements. By keeping track of revenue and expenses, bookkeepers ensure that doctors maintain a healthy cash flow. Tax Compliance and Planning Doctors often qualify for specific tax deductions related to medical equipment, staff salaries, and office expenses. However, navigating the complexities of healthcare tax regulations can be difficult. Bookkeeping services help doctors stay compliant by keeping their financial records organized and accurate, making it easier to file taxes and take advantage of available deductions. Additionally, bookkeepers can assist in planning for tax obligations throughout the year, ensuring that there are no surprises during tax season. Financial Reporting for Growth Bookkeeping services also provide doctors with valuable financial reports that offer insights into their practice’s performance. By analyzing income, expenses, and cash flow trends, doctors can make more informed decisions about expanding services, hiring staff, or investing in new equipment. These reports give a clear picture of the financial health of the practice, enabling better long-term planning. In conclusion, specialized bookkeeping services for doctors are essential for maintaining accurate financial records, ensuring tax compliance, and improving cash flow. By outsourcing bookkeeping tasks, doctors can focus more on patient care while gaining peace of mind that their financials are in order.

In the mortgage business, is it wise to be a proponent of the free market? No. As the economy boomed after World War II, the United States government entered into the housing business. Post-War, U.S. housing policy backed home loans. When the government enters into any business, that business sector - its size, its shape, its construct, entrants into the business and business behavior overall - changes. Housing is no different. The Servicemen's Readjustment Act of 1944 - we know this to be the GI Bill - helped Veterans transition from soldier to citizen. A gateway to the middle class for countless U.S. Veterans was homeownership. Homeownership made possible through no-down payment VA loans. When speaking about the government’s role in housing, the Department of Housing and Urban Development comes to mind. HUD. HUD was formed in 1965. See low down payment FHA loans. With low down payments, there will be elevated levels of home purchases. Thanks in no small part to the low down payment. In terms of homeownership, countless Veterans - as well as those who benefit by obtaining an FHA loan - can and should acknowledge that the “free market” is not the reason they have been to benefit from homeownership. Government is the reason.

The Importance of an Accountant for Medical Professionals Medical professionals, including doctors, specialists, and surgeons, often face the challenge of managing both patient care and the financial aspects of their practices. An accountant who specializes in working with medical professionals can alleviate much of this burden. By offering financial expertise tailored to the healthcare industry, accountants help medical professionals maintain the financial health of their practices while ensuring compliance with tax laws and regulations. Unique Financial Challenges in Healthcare Medical professionals face distinct financial challenges that other industries may not encounter. These include managing patient billing, insurance reimbursements, and government payments. Additionally, healthcare professionals often have to handle large expenses for medical equipment and office operations while ensuring they maintain a steady cash flow. With fluctuating income and the need to comply with healthcare regulations, financial management can become complex. A specialized accountant for medical professionals understands these nuances and provides essential support to navigate these challenges effectively. Key Roles of an Accountant for Medical Professionals An accountant plays a critical role in managing the financial side of a medical practice. They assist with bookkeeping, ensuring that all financial records are accurate and up-to-date. Furthermore, they handle tax planning and filing, making sure that healthcare-specific deductions are maximized while ensuring compliance with tax laws. Additionally, accountants offer strategic advice on managing overhead costs, optimizing cash flow, and planning for future financial goals, such as retirement or expanding the practice. Benefits of Hiring a Healthcare-Specific Accountant The benefits of hiring a specialized accountant for medical professionals are numerous. By entrusting financial management to a professional, medical practitioners can focus more on patient care. Specialized accountants understand the unique aspects of healthcare finance, offering tailored solutions that enhance profitability and reduce financial risks. Moreover, they provide peace of mind by ensuring all financial matters are handled efficiently and in compliance with the law. Conclusion In conclusion, medical professionals benefit significantly from hiring an accountant who specializes in healthcare finance. With their expertise, accountants help ensure the smooth operation of the practice while providing strategic financial planning. This allows medical professionals to focus on their primary responsibility—caring for their patients—while maintaining a financially sound practice.

Anyone can make a coin. What turns that coin into money is when the government says that it’s the only thing you can use to pay your taxes. Put it another way: The words that matter most on a dollar bill are not one or dollar, but rather This note is legal tender for all debts public and private. Money is whatever the government says it accepts as payment for taxes.

In the course of his IL-2 investigation, Dr. Fishbein stumbled on another awkward fact: Anthony Fauci personally owned patents to IL-2 and stood to make millions in royalties if the treatment won FDA approval. Dr. Fishbein was shocked: “Dr. Fauci had a personal financial interest in the drug being tested! He was listed as a co-owner on the patent for Proleukin, and stood to earn royalties from it!” According to little-known HHS rules at that time, NIH employees could collect unlimited royalty payments from drugs they worked on during their agency tenures.51 Dr. Fishbein found it stunning that Dr. Fauci stood to personally gain significant revenues, providing HHS green-lighted Proleukin.

Take smoking. In principle we should all have the right to smoke if we want to, despite the overwhelming evidence that smoking can kill the smoker. Judged from the standard set by Mill, smoking appears to be acceptable, something dangerous but not worthy of government restrictions except in the case of minors, since they are presumably not yet in a position to make responsible choices for themselves. But the calculation quickly gets more complex. When smokers become ill, this is a burden on the health-care system and the society more generally, as it leads to early exit from the work force. So we all indirectly subsidize those who smoke by paying higher health-care premiums or disability payments or by not benefitting from what they might contribute to the economy and to the government via taxes. It is not at all clear, though, whether such harm would be sufficiently great to justify government intervention.

The four main factors you’ll want to investigate are: 1. Borrower’s credit: Look for whether they’re paying their bills regularly and on time, how much debt they have in relation to their income (the debt-to-income ratio, or DTI), and the status of the senior lien. 2. Borrower’s payment history: The longer someone has been making mortgage payments, the more likely they are to keep doing so; it demonstrates their commitment to the property. 3. Fair market value (FMV): Find the current FMV of the property, as it affects the equity (ownership stake) in the property; if the property has declined substantially, you may not be able to recover your investment if the borrower defaults. 4. Location: With real estate debt, geography matters for several reasons including state foreclosure laws, local demographics (which can affect future property values), and area economy.

The script we came up with hit all the best practices of negotiation we’ve talked about so far. Here it is by steps: A “No”-oriented email question to reinitiate contact: “Have you given up on settling this amicably?” A statement that leaves only the answer of “That’s right” to form a dynamic of agreement: “It seems that you feel my bill is not justified.” Calibrated questions about the problem to get him to reveal his thinking: “How does this bill violate our agreement?” More “No”-oriented questions to remove unspoken barriers: “Are you saying I misled you?” “Are you saying I didn’t do as you asked?” “Are you saying I reneged on our agreement?” or “Are you saying I failed you?” Labeling and mirroring the essence of his answers if they are not acceptable so he has to consider them again: “It seems like you feel my work was subpar.” Or “… my work was subpar?” A calibrated question in reply to any offer other than full payment, in order to get him to offer a solution: “How am I supposed to accept that?” If none of this gets an offer of full payment, a label that flatters his sense of control and power: “It seems like you are the type of person who prides himself on the way he does business—rightfully so—and has a knack for not only expanding the pie but making the ship run more efficiently.” A long pause and then one more “No”-oriented question: “Do you want to be known as someone who doesn’t fulfill agreements?

I was recently reminded of one possible reason that so many therapists are so insistent on arriving at a clinical diagnosis, and, not surprisingly, it’s directly related to problems with the health care system in America. A licensed professional counselor who has worked in the mental health field for many years wrote to say that even though she grew up in a family who strongly believe in the paranormal and in their own psychic gifts, “working with [psychic] kids is definitely a challenge in a pure clinical practice since this is not something you can bill insurance for.” Her point is very valid. Medical and mental health professionals must provide a clinical—and billable—diagnosis in order to receive payment from insurance companies. It is frightening to imagine how many children have been misdiagnosed, mislabeled, and mistreated because of the need to satisfy insurance guidelines!

High level officials, including Dr. Fauci, receive yearly emoluments of up to $150,000 in royalty payments on products that they help develop and then usher through the approval process.

The script we came up with hit all the best practices of negotiation we’ve talked about so far. Here it is by steps: 1.​A “No”-oriented email question to reinitiate contact: “Have you given up on settling this amicably?” 2.​A statement that leaves only the answer of “That’s right” to form a dynamic of agreement: “It seems that you feel my bill is not justified.” 3.​Calibrated questions about the problem to get him to reveal his thinking: “How does this bill violate our agreement?” 4.​More “No”-oriented questions to remove unspoken barriers: “Are you saying I misled you?” “Are you saying I didn’t do as you asked?” “Are you saying I reneged on our agreement?” or “Are you saying I failed you?” 5.​Labeling and mirroring the essence of his answers if they are not acceptable so he has to consider them again: “It seems like you feel my work was subpar.” Or “. . . my work was subpar?” 6.​A calibrated question in reply to any offer other than full payment, in order to get him to offer a solution: “How am I supposed to accept that?” 7.​If none of this gets an offer of full payment, a label that flatters his sense of control and power: “It seems like you are the type of person who prides himself on the way he does business—rightfully so—and has a knack for not only expanding the pie but making the ship run more efficiently.” 8.​A long pause and then one more “No”-oriented question: “Do you want to be known as someone who doesn’t fulfill agreements?” From my long experience in negotiation, scripts like this have a 90 percent success rate. That is, if the

Congressional and press questions about Dr. Fauci’s personal financial stakes in the IL-2 drug forced Dr. Fauci to pledge to donate his royalties from the scheme to charity. HHS thereafter changed its royalty policies—a little—limiting royalty payments to contract employees to $150,000 per year, per employee, per patent. In the thirty years since, no member of the media has ever asked Dr. Fauci how much money he made on IL-2, or to which charity, if any, he directed his donations.

Dr. Fauci had a personal financial interest in the drug being tested! He was listed as a co-owner on the patent for Proleukin, and stood to earn royalties from it!” According to little-known HHS rules at that time, NIH employees could collect unlimited royalty payments from drugs they worked on during their agency tenures.51

What are you trying to buy? Asset type? Size? Price? To determine the answer to the first question, do the following: Start with your own net worth. Add in friends and family. The total team net worth is your starting point. Choose a market. Consider travel time and expense. You must be able to be in your market to look at deals at least once a month. Determine the viability of your market. Job growth? Population growth? Get deal flow from the market. Real estate agents Find all commercial realty companies in the city. Get on all their mailing lists. Analyze deals online from realtors in the area. Call the realtors about their listings. Direct to owners Get lists of owners. Create a system to reach owners directly. Mail Text Cold calling Analyze deals. Income approach Income – Expenses = Net operating income Net operating income – Debt service = Cash flow Check with lenders for current terms on debt. What is the CoC return? Cap rate? Debt ratio? Comparable data Check the analyzed cap rate against cap rates in the area for similar properties. Check comparable sale prices. Comps should be close in size and age to the subject property. Comps should have similar amenities. Comps should be within a few miles of the subject property. Exit Hold and operate. Refinance. Sell or flip. Consider upcoming market conditions. Debt Check with lenders or a mortgage broker to determine the availability of loans for this type of property. What are the terms and conditions? Is this the information you used to analyze the deal originally? Make the offer. Use an LOI to submit the offer in writing. The LOI will summarize the main deal points. If your offer is less than 15 percent of the asking price, speak with the realtor before you submit the offer. Once the offer is accepted, send the LOI to your attorney and have them draft the purchase agreement. Draft the purchase and sale agreement. Now that you have a fully executed contract, the clock starts. Earnest money goes into escrow. Do your due diligence. Financial inspection Physical inspection Lease audit Begin your loan application. The lender will complete three inspections. Appraisal Environmental inspection Physical engineer inspection of the buildings Do your closing. The lender will wire the loan proceeds to the closing escrow. Wire your down payment funds to the closing escrow. You own a new property! Engage property management for takeover of operations.

A credit card comes in the mail. They use it and max it out. A loan company calls and says their greatest “asset,” their home, has appreciated in value. Because their credit is so good, the company offers a bill-consolidation loan and tells them the intelligent thing to do is clear off the high-interest consumer debt by paying off their credit card. And besides, mortgage interest is a tax deduction. They go for it, and pay off those high-interest credit cards. They breathe a sigh of relief. Their credit cards are paid off. They’ve now folded their consumer debt into their home mortgage. Their payments go down because they extend their debt over 30 years. It is the smart thing to do.

The CDC, for example, owns 57 vaccine patents1 and spends $4.9 of its $12.0 billion-dollar annual budget (as of 2019) buying and distributing vaccines.2,3 NIH owns hundreds of vaccine patents and often profits from the sale of products it supposedly regulates. High level officials, including Dr. Fauci, receive yearly emoluments of up to $150,000 in royalty payments on products that they help develop and then usher through the approval process.4 The FDA receives 45 percent of its budget from the pharmaceutical industry, through what are euphemistically called “user fees.”5 When

The CDC, for example, owns 57 vaccine patents1 and spends $4.9 of its $12.0 billion-dollar annual budget (as of 2019) buying and distributing vaccines.2,3 NIH owns hundreds of vaccine patents and often profits from the sale of products it supposedly regulates. High level officials, including Dr. Fauci, receive yearly emoluments of up to $150,000 in royalty payments on products that they help develop and then usher through the approval process.4 The FDA receives 45 percent of its budget from the pharmaceutical industry, through what are euphemistically called “user fees.

_____________ ___________________, hereby state that I am an investor who is seeking to accumulate wealth for many years into the future. I know that there will be many times when I will be tempted to invest in stocks or bonds because they have gone (or “are going”) up in price, and other times when I will be tempted to sell my investments because they have gone (or “are going”) down. I hereby declare my refusal to let a herd of strangers make my financial decisions for me. I further make a solemn commitment never to invest because the stock market has gone up, and never to sell because it has gone down. Instead, I will invest $______.00 per month, every month, through an automatic investment plan or “dollar-cost averaging program,” into the following mutual fund(s) or diversified portfolio(s): _________________________________, _________________________________, _________________________________. I will also invest additional amounts whenever I can afford to spare the cash (and can afford to lose it in the short run). I hereby declare that I will hold each of these investments continually through at least the following date (which must be a minimum of 10 years after the date of this contact): _________________ _____, 20__. The only exceptions allowed under the terms of this contract are a sudden, pressing need for cash, like a health-care emergency or the loss of my job, or a planned expenditure like a housing down payment or a tuition bill. I am, by signing below, stating my intention not only to abide by the terms of this contract, but to re-read this document whenever I am tempted to sell any of my investments. This contract is valid only when signed by at least one witness, and must be kept in a safe place that is easily accessible for future reference.