Cash Collection Quotes

[…] You are very right in supposing how my money would be spent – some of it, at least – my loose cash would certainly be employed in improving my collection of music and books.” – Marianne Dashwood

This seemed to be happening more and more lately out in Greater Los Angeles, among gatherings of carefree youth and happy dopers, where Doc had begun to notice older men, there and not there, rigid, unsmiling, that he knew he'd seen before, not the faces necessarily but a defiant posture, an unwillingness to blur out, like everyone else at the psychedelic events of those days, beyond official envelopes of skin. Like the operatives who'd dragged away Coy Harlingen the other night at that rally at the Century Plaza. Doc Knew these people, he'd seen enough of them in the course of business. They went out to collect cash debts, they broke rib cages, they got people fired, they kept an unforgiving eye on anything that might become a threat. If everything in this dream of prerevolution was in fact doomed to end and the faithless money-driven world to reassert its control over all the lives it felt entitled to touch, fondle, and molest, it would be agents like these, dutiful and silent, out doing the shitwork, who'd make it happen. Was it possible, that at every gathering--concert, peace rally, love-in, be-in, and freak-in, here, up north, back east, wherever--those dark crews had been busy all along, reclaiming the music, the resistance to power, the sexual desire from epic to everyday, all they could sweep up, for the ancient forces of greed and fear? 'Gee,' he said to himself out loud, 'I dunno...

All we are doing is looking at the time line from the moment the customer gives us an order to the point when we collect the cash. And we are reducing that time line by removing the non-value-added wastes. (Ohno, 1988)

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

Give everyone more in use value than you take from him in cash value. Then you are adding to the life of the world by every business transaction.

US law requires financial institutions to report cash transactions of $10,000 or larger to the government; for currency exchangers, the threshold is $1,000.

Retail store surveillance systems register our presence, even if we are doing nothing but browsing and even if we pay for everything in cash.

Schroen’s men had carried in $ 10 million in boxed cash. They handed out bundles like candy on Halloween. Schroen had recruited onto his team Chris Wood, the Dari-speaking case officer who had worked the Taliban account out of Islamabad. Wood ran the day-to-day intelligence reporting at the joint cell, collecting and synthesizing field radio reports about Taliban and Al Qaeda positions and movements.

The law dictates how much politicians can collect in campaign contributions, limits their ability to make money on the side, and requires the disclosure of those contributors. Hopefully, politicians are also limited to some extent by their conscience. A sense of decency and good judgment ought to prevent politicians on both sides of the aisle from engaging in certain transactions—even if they think they can get away with it.

Why focus on cash flows? Because a share of stock is a share of a company’s future cash flows, and, as a result, cash flows more than any other single variable seem to do the best job of explaining a company’s stock price over the long term.

The only grown-up other than Jacob who ever came into his schoolroom was Eli Willard. School was in session one day when the Connecticut itinerant reappeared after long absence, bringing Jacob's glass and other merchandise. Jacob seized him and presented him to the class. 'Boys and girls, this specimen here is a Peddler. You don't see them very often. They migrate, like the geese flying over. This one comes maybe once a year, like Christmas. But he ain't dependable, like Christmas. He's dependable like rainfall. A Peddler is a feller who has got things you ain't got, and he'll give 'em to ye, and then after you're glad you got 'em he'll tell ye how much cash money you owe him fer 'em. If you ain't got cash money, he'll give credit, and collect the next time he comes 'round, and meantime you work hard to git the money someway so's ye kin pay him off. Look at his eyes. Notice how they are kinder shiftly-like. Now, class, the first question is: why is this feller's eyes shiftly-like?

He was not going to give her the smile she was hunting. He couldn't allow it. Trina collected his moments of weakness like a kid after baseball cards. Once they were hers, she cashed them in for pieces of his soul. He simply didn't have enough left to play her games.

Expect of me no great material wealth of ideas, for that is what I find in you. My need and endeavour is to make much out of little, and, if ever you should realize my poverty in all that men call acquired knowledge, you will perhaps find that in some ways I may have succeeded. Because my circle of ideas is smaller, I traverse it more quickly and oftener, and for that reason can make better use of what small ready cash I own, creating through the form a diversity which is lacking in the content. You strive to simplify your great world of ideas, while I seek variety for my small possessions. You have a kingdom to rule, and I only a somewhat numerous family of ideas which I would like to expand into a little universe.

So,” he said. “You think there’s nothing inherently wrong with believing in something—or saying you do—for money?” “‘Inherently wrong,’” she said. “Gosh, that’s a great example of calcified morality. I have to remember that for my old modern ethics teacher, Mr. Bastie; he collects them. Look,” she said, straightening her spine and flicking her rather grave (despite the friendly antics of her face) gray eyes at Alex, “if I believe, I believe. Who are you to judge my reasons?” “Because if your reasons are cash, that’s not belief. It’s bullshit.

To that end, he said, the city formed a holding company that acquired 51 percent of the stock of all the casinos in the city, in the hopes of collecting dividends. “But it was a mistake: the casinos funneled the money out in cash and reported losses every time,” Putin complained. “Later, our political opponents tried to accuse us of corruption because we owned stock in the casinos. That was just ridiculous…. Sure, it may not have been the best idea from an economic standpoint. Judging from the fact that the setup turned out to be inefficient and we did not attain our goals, I have to admit it was not sufficiently thought through. But if I had stayed in Petersburg, I would have finished choking those casinos. I would have made them share.

In his movie The Seventh Continent, Michael Haneke depicts a normal middle-class family who, for no apparent reason, one day quit their jobs, destroy everything in their apartment, including all the cash they have just withdrawn from the bank, and commit suicide. The story, according to Haneke, was inspired by a true story of an Austrian middle-class family who committed collective suicide. As Haneke points out in a subsequent interview, the cliché questions that people are tempted to ask when confronted with such a situation are: “did they have some trouble in their marriage?”, or “were they dissatisfied with their jobs?”. Haneke’s point, however, is to discredit such questions; if he wanted to create a Hollywood-style drama, he would have offered clues indicating some such problems that we superficially seek when trying to explain people’s choices. But his point was precisely that the most profound thoughts about whether life is meaningful occur once we have swept aside all the clichés about the pleasure or lack thereof of “love, work, and play” (Thagard), or of “being whooshed up in sports events and being absorbed in the coffee-making craft” (Dreyfus and Kelly). Psychologically, or psychotherapeutically, these are very useful ways of “finding meaning in one’s life”, but philosophically, they are rather ways of how to avoid raising the question, how to insulate oneself from the likelihood that the question of meaning will be raised to oneself. In my view, then, the particular answer to the second question (what is the meaning of life?) is not that important, because whatever answer one offers, even the nihilist or absurdist answer, is many times good enough if the purpose is to get rid of the state of puzzlement. More importantly, however, what matters is that the question itself was raised, and the question is posterior to the more fundamental one of whether there is any meaning at all in life. It is also intuitive that we could judge someone’s life as meaningless if that person has never wondered whether her life, and life in general, is meaningful or not. At the same time, our proposal is, in my opinion, neither elitist, nor parochial in any way; I find it empirically quite plausible that the vast majority of people have actually asked this question or some version of it at least once during their lives, regardless of their social class, wealth, religion, ethnicity, gender, cultural background, or historical period.

Ningauble replied, “The Devourers want only to amass cash and to raise little ones like themselves to amass more cash and they want to compete with each other at cash-amassing. (Is that coincidentally a city, do you think, Fafhrd? Cashamash?) And the Devourers want to brood about their great service to the many universes—it is their claim that servile customers make the most obedient subjects for the gods—and to complain about how the work of amassing cash tortures their minds and upsets their digestions. Beyond this, each of the Devourers also secretly collects and hides away forever, to delight no eyes but his own, all the finest objects and thoughts created by true men and women (and true wizards and true demons) and bought by the Devourers at bankruptcy prices and paid for with trash or—this is their ultimate preference—with nothing at all.

A classic LBO works this way: An investor decides to buy a company by putting up equity, similar to the down payment on a house, and borrowing the rest, the leverage. Once acquired, the company, if public, is delisted, and its shares are taken private, the “private” in the term “private equity.” The company pays the interest on its debt from its own cash flow while the investor improves various areas of a business’s operations in an attempt to grow the company. The investor collects a management fee and eventually a share of the profits earned whenever the investment in monetized. The operational improvements that are implemented can range from greater efficiencies in manufacturing, energy utilization, and procurement; to new product lines and expansion into new markets; to upgraded technology; and even leadership development of the company’s management team.

Shareholders have a residual claim on a firm’s assets and earnings, meaning they get what’s left after all other claimants—employees and their pension funds, suppliers, tax-collecting governments, debt holders, and preferred shareholders (if any exist)—are paid. The value of their shares, therefore, is the discounted value of all future cash flows minus those payments. Since the future is unknowable, potential shareholders must estimate what that cash flow will be; their collective expectations about the future determine the stock price. Any shareholders who expect that the discounted value of future equity earnings of the company will be less than the current price will sell their stock. Any potential shareholders who expect that the discounted future value will exceed the current price will buy stock. This means that shareholder value has almost nothing to do with the present. Indeed, present earnings tend to be a small fraction of the value of common shares. Over the past decade, the average yearly price-earnings multiple for the S&P 500 has been 22x, meaning that current earnings represent less than 5 percent of stock prices.

She spoke so passionately that some of the Historians believed her, even the ones like Dr. Karuna who had been passed over for promotion when Crome put Valentine in charge of their Guild. As for Bevis Pod, he watched her with shining eyes, filled with a feeling that he couldn’t even name; something that they had never taught him about in the Learning Labs. It made him shiver all over. Pomeroy was the first to speak. “I hope you’re right, Miss Valentine,” he said. “Because he is the only man who can hope to challenge the Lord Mayor. We must wait for his return.” “But …” “In the meantime, we have agreed to keep Mr. Pod safe, here at the Museum. He can sleep up in the old Transport Gallery, and help Dr. Nancarrow catalogue the art collection, and if the Engineers come hunting for him we’ll find a hiding place. It isn’t much of a blow against Crome, I know. But please understand, Katherine: We are old, and frightened, and there really is nothing more that we can do.” The world was changing. That was nothing new, of course; the first thing an Apprentice Historian learned was that the world was always changing, but now it was changing so fast that you could actually see it happening. Looking down from the flight deck of the Jenny Haniver, Tom saw the wide plains of the eastern Hunting Ground speckled with speeding towns, spurred into flight by whatever it was that had bruised the northern sky, heading away from it as fast as their tracks or wheels could carry them, too preoccupied to try and catch one another. “MEDUSA,” he heard Miss Fang whisper to herself, staring toward the far-off, flame-flecked smoke. “What is a MEDUSA?” asked Hester. “You know something, don’t you? About what my mum and dad were killed for?” “I’m afraid not,” the aviatrix replied. “I wish I did. But I heard the name once. Six years ago another League agent managed to get into London, posing as a crewman on a licensed airship. He had heard something that must have intrigued him, but we never learned what it was. The League had only one message from him, just two words: Beware MEDUSA. The Engineers caught him and killed him.” “How do you know?” asked Tom. “Because they sent us back his head,” said Miss Fang. “Cash on Delivery.” That evening she set the Jenny Haniver down on one of the fleeing towns, a respectable four-decker called Peripatetiapolis that was steering south to lair in the mountains beyond the Sea of Khazak. At the air-harbor there they heard more news of what had happened to Panzerstadt-Bayreuth. “I saw it!” said an aviator. “I was a hundred miles away, but I still saw it. A tongue of fire, reaching out from London’s Top Tier and bringing death to everything

Today, such studies are illegal. Medical scientists cannot offer inducements like pardons to persuade prisoners to take part in their studies. Although they can award small cash payments to research subjects, they are forbidden from giving anyone so much money or such tempting favors that their compensations might constitute what ethicists term an inappropriate inducement, an irresistible temptation to join the study. Now, more than eighty years after the 1918 flu, people enter studies for several reasons—to get free medical care, to get an experimental drug that, they hope, might cure them of a disease like cancer or AIDS, or to help further scientific knowledge. In theory at least, study participants are supposed to be true volunteers, taking part in research of their own free will. But in 1918, such ethical arguments were rarely considered. Instead, the justification for a risky study with human beings was that it was better to subject a few to a great danger in order to save the many. Prisoners were thought to be the ideal study subjects. They could offer up their bodies for science and, if they survived, their pardons could be justified because they gave something back to society. The Navy inmates were perfect for another reason. Thirty-nine of them had never had influenza, as far as anyone knew. So they might be uniquely susceptible to the disease. If the doctors wanted to deliberately transmit the 1918 flu, what better subjects? Was influenza really so easily transmitted? the doctors asked. Why did some people get it and others not? Why did it kill the young and healthy? Could the wartime disruptions and movements of troops explain the spread of the flu? If it was as contagious as it seemed, how was it being spread? What kind of microorganism was causing the illness? The normal way to try to answer such questions would be to study the spread of the disease in animals. Give the disease to a few cages of laboratory rats, or perhaps to some white rabbits. Isolate whatever was causing the illness. Show how it spread and test ways to protect animals—and people—against the disease. But influenza, it seemed, was a uniquely human disease. No animal was known to be susceptible to it. Medical researchers felt they had no choice but to study influenza in people. Either the Navy doctors were uncommonly persuasive or the enticement of a pardon was overwhelmingly compelling. For whatever reason, the sixty-two men agreed to be subjects in the medical experiment. And so the study began. First the sailors were transferred to a quarantine station on Gallops Island in Boston Harbor. Then the Navy doctors did their best to give the men the flu. Influenza is a respiratory disease—it is spread from person to person, presumably carried on droplets of mucus sprayed in the air when sick people cough or sneeze, or carried on their hands and spread when the sick touch the healthy. Whatever was causing the flu should be present in mucus taken from the ill. The experiments, then, were straightforward. The Navy doctors collected mucus from men who were desperately ill with the flu, gathering thick viscous secretions from their noses and throats. They sprayed mucus from flu patients into the noses and throats of some men, and dropped it into other men’s eyes. In one attempt, they swabbed mucus from the back of the nose of a man with the flu and then directly swabbed that mucus into the back of a volunteer’s nose.

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On July 5 in the late 1980s, a man walked into a convenience store at 6:30 in the morning. Holding his finger in his pocket to simulate a gun, he demanded that the cashier give him the contents of the cash register. Having collected about five dollars in change, the man returned to his car, where he remained until the police arrived. When the police arrived, the young man got out of his car and, with his finger again in his pocket, announced that he had a gun and that everyone should stay away from him. Luckily for him, he was taken into custody without being shot. At the police station, the officer who looked up the man’s record discovered that he had committed six other so-called “armed robberies” over the past fifteen years, all of them at 6:30 in the morning on July 5! Upon learning that the man was a Vietnam veteran, the police surmised that this event was more than mere coincidence.

And everyone knows the job market is crap, so you probably won't be able to find another job." "Actually, I'm really good at what I--" "And then you'll start missing your rent payments, and the collection agencies will start calling, and you'll start robbing check-cashing places to get money for drugs, and the next thing you know, you're wearing a set of gold fang dentures.

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...another city, existing alongside the glossy one I knew. This city was composed of dead ends and blind alleys and back streets full of garbage bags, and had its own cast of inhabitants, who lived in a permanent stench of urine and decay and had to be nudged to life with a toe before one could question them as to Droyd’s whereabouts. Sometimes they were too intoxicated to speak; sometimes they tried to make up stories in the hope of getting some change. Sometimes they didn’t respond to the toe, and we would have to roll them over and squint at their grubby faces till we were sure they weren’t him. The sheer volume of these wretched people was incredible. And as we made our way back down Grafton Street, I realized that they were here too, had been here all along, living their heroiny lives: slumped by cash machines, lurking in suspicious-looking groups around dustbins, making lunatic speeches to office workers who scurried by pretending not to hear, or simply ghosting wall-eyed through the crowd, with beakers from McDonald’s and misspelled cardboard signs. It was slow, painful work. As the day dragged on, and yet another pile of garbage bags disclosed yet another human form, it started to seem as if there could hardly be anyone left who hadn’t, in some fashion, fallen through the cracks; and the city began to take on the appearance of a newspaper photo, when you look at it close up and at some unannounced point the image gives way, leaving you with a collection of unsignifying dots in a vast empty space; so much space that you forget there had ever been a picture at all.

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Yeah, the cash was gone if they had any, but we found three drivers licenses belonging to the Ramos Brothers swimming in the blood, gore, and shreds of clothing. We assume it‘s them, but we won’t know for sure until the autopsy.

Q: Why did the man put his money in the freezer? A: He wanted cold hard cash.

And indeed today as it struggles with its financial crisis, the central issue in Greek politics remains resentment of the influence of Brussels, Germany, the International Monetary Fund, and other external actors, which are seen as pulling strings behind the back of a weak Greek government. Although there is considerable distrust of government in American political culture, by contrast, the basic legitimacy of democratic institutions runs very deep. Distrust of government is related to the Greek inability to collect taxes. Americans loudly proclaim their dislike of taxes, but when Congress mandates a tax, the government is energetic in enforcement. Moreover, international surveys suggest that levels of tax compliance are reasonably high in the United States; higher, certainly, than most European countries on the Mediterranean. Tax evasion in Greece is widespread, with restaurants requiring cash payments, doctors declaring poverty-line salaries, and unreported swimming pools owned by asset-hiding citizens dotting the Athenian landscape. By one account, Greece’s shadow economy—unreported income hidden from the tax authorities—constitutes 29.6 percent of total GDP.24 A second factor has to do with the late arrival of capitalism in Greece. The United States was an early industrializer; the private sector and entrepreneurship remained the main occupations of most Americans. Greece urbanized and took on other trappings of a modern society early on, but it failed to build a strong base of industrial employment. In the absence of entrepreneurial opportunities, Greeks sought jobs in the state sector, and politicians seeking to mobilize votes were happy to oblige. Moreover, the Greek pattern of urbanization in which whole villages moved from the countryside preserved intact rural patronage networks, networks that industry-based development tended to dissolve.

Social money and payments: iZettle, Payatrader, mPowa, SumUp, payleven, Inuit GoPayment, Square •   Social lending and saving: Zopa, RateSetter, smava, Prosper, Lending Club, Cashare •   Social insurance: Friendsurance •   Social investing and trading: StockTwits, eToro, Myfxbook, Fxstat, MetaTrader Trade Signals, Collective2, Tradeo, ZuluTrade, Nutmeg •   Social trade financing: MarketInvoice, Platform Black, the Receivables Exchange, Urica •   Payday Lending: Wonga, Cash America, Advance America •   Goal setting and gamification: SmartyPig, Moven, Simple •   Crowdfunding: Funding Circle, Kickstarter, Indiegogo, crowdrise, Razoo

The goal is to reverse the first law of entrepreneurial gravity and develop a viable business model in which the faster you grow, the more cash you generate — through larger deposits, faster collections, shorter sales and delivery cycles, etc. Then you’ve built a company that can self-fund its own growth.

What does diversification mean in practice? It means that when you invest in the stock market, you want a broadly diversified portfolio holding hundreds of stocks. For people of modest means, and even quite wealthy people, the way to accomplish that is to buy one or more low-cost equity index mutual funds. The fund pools the money from thousands of investors and buys a portfolio of hundreds of individual common stocks. The mutual fund collects all the dividends, does all the accounting, and lets mutual fund owners reinvest all cash distributions in more shares of the fund if they so wish.

Barney drew a flashlight from his belt and flicked it on. The beam reflected off the display window of Healthful Possibilities. He had to step close to see inside. His gaze landed first on a bottle of berries sporting a label that read LOSE WEIGHT FAST. A sign over a collection of boxed items promised FIVE SUPPLEMENTS TO CURE ERECTILE DYSFUNCTION. Barney blinked and read the advertisement again. He couldn’t imagine any male in Mystic Creek, no matter how desperate, walking into Taffeta Brown’s shop and having the nerve to take one of those boxes up to the cash register.

The emerging cash economy of al-Andalus contrasted with the subsistence economies of Frankish Europe and Christian Iberia, where rural servility remained the norm, social mobility was low, and there was little by way of urban culture, infrastructure, or currency. Christian rulers collected revenue through the direct consumption of food surpluses, forcing them to continuously circulate through their lands with their households in tow. This itinerant lifestyle prevented them from accumulating easily transferrable wealth, and from developing secular institutions and bureaucracies.

The first stage is the roundup. Vast numbers of people are swept into the criminal justice system by the police, who conduct drug operations primarily in poor communities of color. They are rewarded in cash—through drug forfeiture laws and federal grant programs—for rounding up as many people as possible, and they operate unconstrained by constitutional rules of procedure that once were considered inviolate. Police can stop, interrogate, and search anyone they choose for drug investigations, provided they get “consent.” Because there is no meaningful check on the exercise of police discretion, racial biases are granted free rein. In fact, police are allowed to rely on race as a factor in selecting whom to stop and search (even though people of color are no more likely to be guilty of drug crimes than whites)—effectively guaranteeing that those who are swept into the system are primarily black and brown. The conviction marks the beginning of the second phase: the period of formal control. Once arrested, defendants are generally denied meaningful legal representation and pressured to plead guilty whether they are or not. Prosecutors are free to “load up” defendants with extra charges, and their decisions cannot be challenged for racial bias. Once convicted, due to the drug war’s harsh sentencing laws, people convicted of drug offenses in the United States spend more time under the criminal justice system’s formal control—in jail or prison, on probation or parole—than people anywhere else in the world. While under formal control, virtually every aspect of one’s life is regulated and monitored by the system, and any form of resistance or disobedience is subject to swift sanction. This period of control may last a lifetime, even for those convicted of extremely minor, nonviolent offenses, but the vast majority of those swept into the system are eventually released. They are transferred from their prison cells to a much larger, invisible cage. The final stage has been dubbed by some advocates as the “period of invisible punishment.”13 This term, first coined by Jeremy Travis, is meant to describe the unique set of criminal sanctions that are imposed on individuals after they step outside the prison gates, a form of punishment that operates largely outside of public view and takes effect outside the traditional sentencing framework. These sanctions are imposed by operation of law rather than decisions of a sentencing judge, yet they often have a greater impact on one’s life course than the months or years one actually spends behind bars. These laws operate collectively to ensure that the vast majority of people convicted of crimes will never integrate into mainstream, white society. They will be discriminated against, legally, for the rest of their lives—denied employment, housing, education, and public benefits. Unable to surmount these obstacles, most will eventually return to prison and then be released again, caught in a closed circuit of perpetual marginality.

What does it mean to be unbanked? The World Bank defines unbanked as 2.5 billion people who have absolutely no access to financial services… and live in cash-based societies. Conveniently, they only count heads of household. Spouses and children are unimportant in this calculation; only the primary earners matter. Yet we know that in the vast majority of the world, day-to-day household finances are controlled by women. But they are not counted as the head of household.

Our regulatory system is actively excluding people from finance. We have reached a point where access to basic financial services has become a privilege. The average person must do a dance to prove themselves worthy in front of a banker, filling in reams of paperwork and application forms, to be granted the privilege of financial services. We are even condemning cash: the ultimate peer-to-peer, anonymous, fungible mechanism that has provided basic financial services to everyone for millenia.

A sudden jump in accounts receivable in relation to net sales may mean that the company is having a tough time collecting from its customers, is extending credit to weaker customers, or is extending credit to current customers in order to make its sales targets.

If you apply a price-to-dividend ratio analysis to stocks you are thinking of purchasing or already own, you can purchase, or reinvest, cash at optimal points in time. If Pepsi’s share price falls and the yield nears 4 percent, the investor could then time her purchases in the most efficient manner and gain the most shares of Pepsi stock possible. Following this type of market timing will allow an investor to collect more shares of a company’s stock at the times when it is most undervalued.

As an account manager, Yehoshua Leibowitz uses his personal and communication skills to handle collections for clients in the cash advance business. His charming and loyal personality has led to numerous promotions. In one of his first jobs, Yehoshua Leibowitz was selected to oversee a team of workers at four different dry cleaning locations.

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

You’ve been uploading photos on social media for long, but CoSign lets you turn them into cash. Just tag images you upload to social media with information about the products pictured in them.

A violinist named Karl Amenda arrived in Vienna about this time and became Beethoven’s nearly inseparable companion due to their mutual enjoyment of each other’s music. Amenda later related that when he once deplored the fact that Beethoven’s marvelous improvisations were “born and lost in a moment,” Beethoven refuted this statement by accurately replaying every note of the impromptu piece he had just completed. Another time, Amenda happened to be on hand when Beethoven came up short on cash when his rent was due. Amenda told Beethoven that he didn’t have a problem; boldly, he locked Beethoven into his room, gave him an assignment, and returned after three hours had passed. Beethoven shoved over a paper on which a new musical composition was written. Amenda took the paper to Beethoven’s landlord and instructed him to take it to a publisher and collect the rent that was due to him. The landlord was dubious, but he returned from the publisher asking if “other bits of paper like that were to be had.

Our judgment is that relentlessly returning efficiency improvements and scale economies to customers in the form of lower prices creates a virtuous cycle that leads over the long term to a much larger dollar amount of free cash flow, and thereby to a much more valuable Amazon.com.

When Madonna moved to New York City, she was strapped for cash and took a job at Dunkin’ Donuts in Times Square. She got fired on the first day because she squirted jelly on a customer.

Jackie Chan’s parents were so poor that they had to consider selling him to pay for the $200 hospital bill after he was born through cesarean surgery. His father borrowed the money and ate dog food for two-years to save cash.

We’re fortunate to benefit from a business model that is cash-favored and capital efficient. As we do not need to build physical stores or stock those stores with inventory, our centralized distribution model has allowed us to build our business to a billion-dollar sales rate with just $30 million in inventory and $30 million in net plant and equipment.

Sweet Dreams In the evening I like to “cash out”—something I learned from waiting tables in my youth. Before we could go home, we had to cash out, meaning turn in all our receipts, credit card slips, and cash. Everything had to add up, or there was big trouble! It’s important to cash out your day’s performance. Compared to your plan for the day, how did it go? What do you need to carry over to tomorrow’s plan? What else needs to be added, based on what showed up throughout the day? What’s no longer important and needs to be scratched out? Additionally, I like to log into my journal any new ideas, ah-has or insights I picked up throughout the day—this is how I’ve collected more than forty journals of incredible ideas, insights, and strategies. Finally, I like to read at least ten pages of an inspirational book before going to sleep. I know the mind continues to process the last information consumed before bedtime, so I want to focus my attention on something constructive and helpful in making progress with my goals and ambitions. That’s it. All hell can break loose throughout the day, but because I control the bookends, I know I’m always going to start and finish strong.

Americans have perfected the questionable art of what Suzann Mettler, a professor at Cornell University calls "the submerged state." -- making government policies invisible by administering them through private companies, or through the tax code, instead of just sending recipients checks. In reality tax deductions, credits and exemptions are government support for specific groups of people, in the form of tax dollars not collected, just as cash benefits are. However, many people don't perceive or acknowledge that reality, and wrongly assume that they're not benefiting from the government at all, even when they are.

Between 1978 and 1983, the entire basis of the agricultural economy was changed by the adoption of the “household responsibility system.” The origins of this shift lay in a village in Anhui province, where a group of farmers got together in secret and signed an agreement to dissolve their collective and divide up their farmland into individual plots. This innovation rapidly spread, and the province’s party secretary, Wan Li, realized he was facing a powerful popular revolt against an immiserating system. Rather than crush it, he decided to promote this land-to-the-tiller reform. The party secretary of Sichuan province, Zhao Ziyang, made a similar decision. At the national level, the December 1978 party plenum that launched the reform era raised agricultural prices and gave a blessing to rural collectives experimenting with different ways of management, but it still condemned private farming. By 1980, however, Zhao Ziyang had become premier and Wan Li was vice premier in charge of agriculture policy. Together they rammed through a national policy to disband the communes and return to family farming. By the end of 1982 virtually all agricultural collectives were gone, and family farmers had been assigned rights to cultivate individual plots of land. The effect on agricultural output and farm incomes was spectacular. By 1984 grain output was over 400 million tons, a third higher than it had been just six years before; production of oilseeds and cotton sustained annual growth rates of 15 percent; and meat production was growing by 10 percent a year. Rural per capita income more than doubled between 1979 and 1984. Per capita cash savings by rural families rose from essentially zero in 1979 to 300 renminbi (Rmb) by 1989. Rapid gains in agricultural output and incomes continued throughout the 1980s, as farmers continued to diversify their crops and apply new technologies that increased yields. Use of chemical fertilizer, which had risen gradually in the 1970s, tripled between 1978 and 1990. So did the use of farm machinery, notably pumps, small tractors, and food processing equipment.3

Austick Car Removal Bondi Beach is a cash for cars Bondi Beach service, collecting and recycling defective second hand cars as well as those that have been crashed, and give you Bondi cash for cars. As used car buyers and car scrappers, we also offer scrap car removal Eastern Suburbs service on top of the cash for damaged cars, so you won’t have to drag the junk to car wreckers or a scrap yard yourself. Our cash for car Eastern Suburbs initiative is supported by our network of recycling centres, all licensed to collect and recycle cars, whether they’re faulty, outdated or damaged by accident. When you’re ready to let go of your car for cash, Eastern Suburbs has Austick’s old car removal service. Give us a call and get cash for unwanted cars.

All we are doing is looking at the time line, from the moment the customer gives us an order to the point when we collect the cash. And we are reducing that time line by removing the non-value-added wastes.

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

When Cash sat down for his annual New Year’s Eve reflections, he was too close to the situation to appreciate fully that he had just finished one of the most remarkable years in pop history. He’d not only made what is perhaps the greatest country album ever—a work so powerful and rich that Rolling Stone magazine would one day name it one of the hundred best albums regardless of genre—but also recorded a gospel album that was light-years away from the conventional collection of hymns.

Tibetans also discovered a niche that was almost uniquely their own: collecting medicinal herbs. Herbs were commonly used in both Chinese and Tibetan medicine, and many of the more valuable were found on the Tibetan plateau. Beimu, an alpine lily used to treat coughs, grew at altitudes of more than 10,000 feet, and Tibetan nomads were perfectly situated to collect it. Most lucrative was Cordyceps sinensis, a prized ingredient in traditional medicine, believed to boost immunity, stamina, and lung and kidney function. Tibetans call it yartsa gunbu, meaning “summer grass, winter worm,” or simply bu, “worm,” for short. The worm is actually a fungus that feeds on the larvae of caterpillars. In the past, the worm was commonplace enough that Tibetans would feed it to a sluggish horse or yak, but the Chinese developed a hankering for it that sent prices soaring. Chinese coaches with gold-medal ambitions would feed it to athletes; aging businessmen would eat it to enhance their sexual potency. At one point, the best-quality caterpillar fungus was worth nearly the price of gold, as much as $900 an ounce. Tibetans had a natural monopoly on the caterpillar fungus. Non-Tibetans didn’t have the local knowledge or the lung capacity to compete. The best worm was in Golok, northwest of Ngaba. Nomadic families would bring their children with them, sometimes taking them out of school because their sharp eyesight and short stature allowed them to more easily scan the ground for the worm amid the grasses and weeds. The season ran for approximately forty days of early spring, the time when the melting snow turned the still-brown hills into a spongy carpet. The families would camp out for weeks in the mountains. In a good season, a Tibetan family could make more in this period than a Chinese factory worker could earn in a year. The Communist Party would later brag about how their policies had boosted the Tibetan economy, but the truth was that nothing contributed as much as the caterpillar fungus, which according to one scholar accounted for as much as 40 percent of Tibetans’ cash earnings. Unlike earnings from mining and forestry, industries that came to be dominated by Chinese companies, this was cash that went directly into the pockets of Tibetans. The nomads acquired the spending power to support the new shops and cafés. The golden worm was part of a cycle of rising prosperity.

Hire the right people. “We will continue to focus on hiring and retaining versatile and talented employees,” he wrote in an early shareholder letter. Compensation, especially early on, was heavily weighted to stock options rather than cash. “We know our success will be largely affected by our ability to attract and retain a motivated employee base, each of whom must think like, and therefore must actually be, an owner.” There are three criteria he instructs managers to consider when they are hiring: Will you admire this person? Will this person raise the average level of effectiveness of the group he or she is entering? Along what dimension might this person be a superstar? It’s never been easy to work at Amazon. When Bezos interviews people, he warns them, “You can work long, hard, or smart, but at Amazon.com you can’t choose two out of three.” Bezos makes no apologies. “We are working to build something important, something that matters to our customers, something that we can all tell our grandchildren about,” he says. “Such things aren’t meant to be easy. We are incredibly fortunate to have this group of dedicated employees whose sacrifices and passion build Amazon.com.” These lessons remind me of the way Steve Jobs operated. Sometimes such a style can be crushing, and to some people it may feel tough or even cruel. But it also can lead to the creation of grand, new innovations and companies that change the way we live. Bezos has done all of this. But he still has many chapters to write in his story. He has always been public spirited, but I suspect in the coming years he will do more with philanthropy. Just as Bill Gates’s parents led him into such endeavors, Jackie and Mike Bezos have been models for Bezos as he focuses on missions such as providing great early-childhood education to all kids. I am also confident that he has at least one more major leap to make. I suspect that he will be—and is, indeed, eager to be—one of the first private citizens to blast himself into space. As he told his high school graduating class back in 1982, “Space, the final frontier, meet me there!

His father was named Bob Beckett Sr. He used to live with him in Torrance—down by Redondo Beach and Palos Verdes. His father was an artist. He ran a rinky-dink art school and made extra cash as a strongarm enforcer. He collected money for some mob-connected guys in San Pedro. His father was 6′4″, 270. His father knew karate. His father was in the Society for Creative Anachronisms—this group where people acted out this weird medieval shit. His father hung out with a faggy guy named Paul Serio. Paul Serio was a big shot in that weird society. His father was 45 years old now. His father was a baaad son-of-a-bitch.

I recently recommended to Lea Endres, CEO of NationBuilder, which builds software for community leaders, that she follow Senghor’s lead. NationBuilder was operating close to the red and Endres was frustrated because, despite her reminding everyone that cash collection was a priority, she couldn’t get her team to care enough about it. Our conversation went like this: Lea: I’m really worried about cash collections. We use this outsourced finance firm and they don’t care. We have a low cash balance and we got surprised last month. A couple more surprises and we’re in deep trouble. Ben: Is there a team on it? How much do you need to collect this month? Lea: Yes. And $1.1 million at least. Ben: If you have a crisis situation and you need the team to execute, meet with them every day and even twice a day if necessary. That will show them this is a top priority. At the beginning of each meeting you say, “Where’s my money?” They will start making excuses like “Boo Boo was supposed to call me and didn’t,” or “The system didn’t tell me the right thing.” Those excuses are the key, because that’s the knowledge you’re missing. Once you know that the excuse is that “Fred didn’t answer my email,” you can tell Fred to answer the damned email and also tell the person making the excuse that you expect way more persistence. The meetings will start out running long, but two weeks later they’ll be short, because when you say, “Where’s my money?” they are going to want to say, “Right here, Lea!” Two weeks later: Lea: You wouldn’t believe some of the excuses. One was that we have an auto email that is one sentence long that tells customers they are late—but it doesn’t tell them what to do! I’m like, “Well, then, let’s fix the damned email!” We’re making progress and they know I want my money. End of quarter: Lea: We collected $1.6 million in September! And the team loves hearing me say “Where’s my money?!?!” To change a culture, you can’t just give lip service to what you want. Your people must feel the urgency of it.

These days, Anna Claire had a much better idea of what this business entailed. He wasn’t just moving money, he was moving drugs. A whole shit ton of them. Managing a web of mules spread out over three states, trading pills for cash that they left for her to collect at the Starlux.

Ideally, pursue all three ways of varying the market, with the target customers in mind: ★ increasing the benefits that really matter to the target market; ★ creating new benefits that will appeal strongly to the target market; and ★ subtracting benefits that are unimportant to the target market. Betfair ★ dramatically increased value for money in the betting market; ★ provided the new benefits of being able to bet against outcomes, being able to trade bets and guaranteeing that winning accounts would not be closed; and ★ subtracted the ability to bet in retail premises or at the track, or to bet and collect winnings in cash. Betfair’s target market is big gamblers: professionals and serious enthusiasts. The change in profile between what betting exchanges offered and what the main market offered was ideally suited to the target market. ★ Getting great value is essential if a gambler is to win. It is very difficult to win if the bookmaker takes out 20 per cent on each event. If a betting exchange takes out only 1 per cent, a serious gambler has to be only slightly more than 1 per cent more accurate than the market and he will win. ★ It is much easier to bet against an outcome and win than it is to specify the winner. (If there are eight horses in a race and the gambler has a strong view against the favourite, he can back against that horse without knowing which of the other seven will win.) Big gamblers are much more likely to bet against events than small gamblers. Big gamblers are also skilful in trading bets, which can be a risk-free way of making money. Finally, big gamblers are the only people whose accounts are regularly closed down by bookmakers. ★ Big gamblers do not frequent off-track betting shops and are more than happy to bet online and by phone, and to receive payment by bank transfer.

If I didn’t start pulling in more cash, we were going to end up living with Iliya’s mom and her fake Faberge egg collection.

My car is already packed with clothes and supplies for all of us," Saint snapped like that was obvious just as I made it back to him. "I also took the liberty of securing Tatum's father's ashes and the letters from her sister down in the crypt." "What about the necklace she asked me to look after?" Monroe asked, taking a step back, like he was willing to go hunting for it even as we heard a knock at the front door. Saint pressed a finger to his lips before opening a pocket on the side of the bag of cash he held, revealing the necklace alongside the plaque my mom had given me, Nash's little collection of mementos from his previous life and Kyan's sketchbook. Monroe gaped at him in clear confusion as to how Saint had managed to steal his most prized possessions, but considering our situation he couldn’t really fault his methods. I caught a glimpse of the pen and lighter Saint had stolen from me and Kyan oh so long ago too before he zipped the pocket shut again and threw the bag over his shoulder. My heart surged with love for my brother as we hounded him towards the crypt on silent feet. For someone who claimed not to understand love or sentiments, he'd instantly figured out the few things that meant the most to the people he cared about and had secured them in preparation of this happening. Deep down, Saint Memphis was as soft as butter and he was starting to let it show.

Up until around 1350, lending with an interest rate was prohibited by both Christianity and Islam—and in Judaism it was banned within the Jewish community—because of the terrible problems it caused, with human nature leading people to borrow more than they could pay back, which created tensions and often violence between borrowers and lenders. As a result of this lack of lending, currency was “hard” (gold and silver). A century or so later, in the Age of Exploration, explorers went around the world collecting gold and silver and other hard assets to make more money. That’s how the greatest fortunes were built at the time. The explorers and those who backed them split the profits. It was an effective incentive-based system for getting rich. The alchemy of lending as we know it today was first created in Italy around 1350. Rules for lending changed and new types of money were made: cash deposits, bonds, and stocks that looked pretty much like we know them today. Wealth became promises to deliver money—what I call “financial wealth.

Except that you’re the super, not the landlord.” Flint turned to Dani. “You think the landlord knows his superintendent collects cash under the table from squatters to let them stay in unoccupied apartments without a lease?

sit on a man’s back, choking him and making him carry me, and yet assure myself and others that I am very sorry for him and wish to ease his lot by all possible means—except by getting off his back.”[1] True then and there, and true now and here. There is so much poverty in this land not in spite of our wealth but because of it. Which is to say, it’s not about them. It’s about us. “It is really so simple,” Tolstoy wrote. “If I want to aid the poor, that is, to help the poor not to be poor, I ought not to make them poor.”[2] How do we, today, make the poor in America poor? In at least three ways. First, we exploit them. We constrain their choice and power in the labor market, the housing market, and the financial market, driving down wages while forcing the poor to overpay for housing and access to cash and credit. Those of us who are not poor benefit from these arrangements. Corporations benefit from worker exploitation, sure, but so do consumers who buy the cheap goods and services the working poor produce, and so do those of us directly or indirectly invested in the stock market. Landlords are not the only ones who benefit from housing exploitation; many homeowners do, too, their property values propped up by the collective effort to make housing scarce and expensive. The banking and payday lending industries profit from the financial exploitation of the poor, but so do those of us with free checking accounts at Bank of America or Wells Fargo, as those accounts are subsidized by billions of dollars in overdraft fees.[3] If we burn coal, we get electricity, but we get sulfur dioxide and nitrogen oxide and other airborne toxins, too. We can’t have the electricity without producing the pollution. Opulence in America works the same way. Someone bears the cost.

„Dear Fernandamama, I need to borrow some quick cash from you, about 900 Euros to be honest. This f...g Adam guy’s fines arrived on my name. He is paying your children and drugging them, this f...g godless Israeli criminal, with his f...g junkie friends and family, influencing your children is not good for our health, Fernandamama. You know. The coffeeshop. On my name. This f...g Adam guy is the reason why Martina is gone and the f...g coffeeshop, huh? I should have killed him when I had the chances, what do you say, Fernanda? Your silence tells me odes, Fernandamama since weeks if not months. Meaning, you know better if I should have taken care of Adam on time and closed the club last summer when you came to visit „us.” I need to pay for these Zaragoza fines Adam collected for my name Fernanda. I need my money to give it away to the landlord so that Martina has a home. You know, without my coffeeshop on my name. I hope you understand. I pay you back just like the 6-800 you landed us earlier. If Martina allows me to contact you, if I wasn’t a ghost in Barcelona made believe. You know. Thanks. Cheers, Tomas

I was standing by the car when two police officers showed up in the alley, very interested in me and the BMW in an alley where car traffic was not allowed at all, sitting there with a Belgian plate tag in the middle of the coffeeshop district, with me, the Hungarian guy, leaning to it smoking a cigarette, obviously waiting for something to happen. They began to examine my IDs and started searching the car. They were looking for drugs, apparently. I had been dealing with them for a few minutes when Adam showed up at the end of the alley. I was the only one looking that way, seeing Adam walking to turn into the alley; the two officers were too busy to notice what I had witnessed. The moment Adam looked up and noticed the officers around me, the moment he was about to turn right towards us into the alley, he made a 180-degree turn, the way a bad kid would do when playing hide and seek. Catching his steps the way Mr. Bean or Benny Hill would do—I could almost hear the music too—was both very funny and very concerning. He was too stupid to be a criminal; he was such a lame criminal that he didn't even think of walking past the alley's entrance like nothing happened instead of turning around and acting so suspiciously and obviously being in the wrong. I began to wonder how the coffeeshop business would work out with this guy if he was suddenly on cocaine all the time before we even opened the club? How would not he get me in trouble when there would be kilograms of marijuana and tons of cash flying around? How could I ever quit this job even if we could manage to run the place and get rich over the next 2-3 years? How would I ever get rid of this embarrassing, childish, dangerously silly criminal guy? By some miracle, in the car—which was used by these junkies and was usually full of smoking accessories—the cops didn't find a cigarette paper either, although they were very, very thorough. Belgian BMW wagon with a Hungarian guy, in an alley in the area full of marijuana clubs. They were sure they had me now, that they would be rewarded for such a catch. But there was nothing in the car. I was able to show them Rachel's Belgian registration and everything, explaining that she was my girlfriend who was in Belgium at that time and we were both working for a company selling smoking accessories; I gave them my business card. I apologized for parking there and even driving into that alley with the car. They fined me regardless. Before we started dealing with the marijuana behalf my name, we were collecting fines attributed to Adam on my name. Talk about being cheap. Apparently, he had started growing a lot of marijuana without my knowledge in a place he did not want me to find out about. As I was driving back to Urgell, we were both very silent. I was calm but he was anxious and I could almost hear the gears spinning in his mind. Perhaps at the same moment, we both realized that if I got arrested for any reason and ended up in jail, Adam could keep the 33% profit of the coffeeshop which I had signed up for and which belonged to me. ‘Thinking quickly. Acting quicker.’ Never quick enough. The sneaker. Adam was usually very slow, whether he was high or low.

Grand Slam Offer: Pay one time. (No recurring fee. No retainer.) Just cover ad spend. I’ll generate leads and work your leads for you. And only pay me if people show up. And I’ll guarantee you get 20 people in your first month, or you get your next month free. I’ll also provide all the best practices from the other businesses like yours. ● Daily sales coaching for your staff ● Tested scripts ● Tested price points and offers to swipe and deploy ● Sales recordings . . . and everything else you need to sell and fulfill your customers. I’ll give you the entire play book for (insert industry), absolutely free just for becoming a client. In a nutshell, I'm feeding people into your business, showing you, exactly, how to sell them so that you can get the highest prices, which means that you make the most money possible . . . sound fair enough? It’s clear these are drastically different offers . . .  but so what? Where’s the money!? Let’s compare both in the below chart. Breakdown: You spend the same amount of money for the same eyeballs. Then, you get 2.5x more people to respond to your advertisement because it’s a more compelling offer. From there, you close 2.5x as many people because the offer is so much more compelling. From there, you are able to charge a 4x higher price up front. The end result is 2.5 x 2.5 x 4 = 22.4x more cash collected up front. Yes, you spent $10,000 to make $112,000. You just made money getting new customers.

The primary venue for activities in which value is created for participants shifts from an internal production department to a collection of external producers and consumers—which means that management of externalities becomes a key leadership skill. Growth comes not from horizontal integration and vertical integration but from functional integration and network orchestration. The focus on processes such as finance and accounting shifts from cash flows and assets you can own to communities and assets you can influence. And while platform businesses themselves are often extraordinarily profitable, the chief locus of wealth creation is now outside rather than inside the organization.

long-distance cash and credit transfer, and tax collection as the licensed agents of popes and kings.

Raising offerings is a gift not every preacher possesses... If only thirty folks are gathered, I believe they've got my money among them. Even if one person gives it all, I'm still gonna meet my goal. If it takes three or four collections in a single service, rest assured, by the time I leave that pulpit every ounce of available cash'll be collected, be it from belts, boots, brassieres, you name it." —Pastor C. T. Lathaniel

Four hundred thirty-six million people, with more than $100,000 but less than a million, collectively own another $125 trillion. Nearly 10 percent of the world’s adult population are in this second group. Those two groups, collectively, have most of the cash.

The Ultimate Minimalist Wallets For Men: Functionality Meets Style? More than just a way of transporting essentials like money and ID, the simplest men’s wallets also are a chance to precise your taste and elegance. The perfect minimalist wallet may be a marriage of form and performance. It’s hard-wearing, ready to withstand everyday use, and has high-end design appeal. the perfect wallet is one that you simply can take enjoyment of whipping out at the top of a meal with a client or the in-laws. This one’s on me. Your wallet should complement your lifestyle. Perhaps you’re an on-the-go professional rushing from an office meeting to a cocktail bar. or even you’re a stay-at-home parent who takes pride in your fashion-forward accessories. No single wallet-owner is that the same. Your wallet should say something about your unique personality. Whether you’re seeking an attention-grabbing luxury accessory or something more understated and practical, there’s a wallet that’s got your name thereon. Here’s a variety of the simplest men’s wallets for each taste, style, and purpose. Here Is That The List Of Comfortable Wallets For Men Here, we'll introduce recommended men's outstandingly fashionable wallets. If you would like to be a trendy adult man, please ask it. 1- Stripe Point Bi-Fold Wallet (Paul Smith) "Paul Smith" may be a brand that's fashionable adult men, not just for wallets but also for accessories like clothes and watches. it's a basic series wallet that uses Paul Smith's signature "multi-striped pattern" as an accent. Italian calf leather with a supple texture is employed for the wallet body, and it's a typical model specification of a bi-fold wallet with 1 wallet, 2 coin purses, 4 cardholders. 2- Zippy Wallet Vertical (Louis Vuitton) "Louis Vuitton" may be a luxury brand that's so documented that it's called "the king of high brands" by people everywhere the planet . a trendy long wallet with a blue lining on the "Damier Graffiti", which is extremely fashionable adult men. With multiple pockets and compartments, it's excellent storage capacity. With a chic, simple and complicated design, and having a luxury brand wallet that everybody can understand, you'll feel better and your fashion is going to be dramatically improved. 3- Grange (porter) "Poker" is that the main brand of Yoshida & Co., Ltd., which is durable and highly functional. Yoshida & Co., Ltd. is now one of Japan's leading brands and is extremely popular not only in Japan but also overseas. The charm of this wallet is that the cow shoulder leather is made in Italy, which has been carefully tanned with time and energy. because of the time-consuming tanning process, it's soft and sturdy, and therefore the warm taste makes it comfortable to use. 4- Bellroy Note Sleeve The Note Sleeve is just the simplest all-around wallet in Bellroy’s collection. If you don’t want to spend plenty of your time (or money) researching the simplest wallet, you'll stop here. This one has everything you would like. And it's good too! This wallet will easily suit your cash, coins, and up to eleven cards during a slim profile. The Note Sleeve also has quick-access slots for your daily cards and a cargo area with a convenient pull-tab for the credit cards you employ less frequently.

Ensure that the cash flow into the organisation is regular and long-term. Outstandings have to be reduced. Collections from customers should be in time. A good banking and accounting system should be in place. Monitor finance reports regularly to keep an eye on these.

Every week, it seems, another item in what the Washington Post called the “charter scandal parade” makes the headlines. In its 2018 investigation into the Arizona charter sector, the Arizona Republic, part of the USA Today network, alleged that many charter schools in the state “have turned into cash cows through multi-billion-dollar business deals between charter schools and their founders.”64 A multipart investigation into Florida charter schools by the South Florida Sun-Sentinel reported that “unchecked charter-school operators are exploiting South Florida’s public school system, collecting taxpayer dollars for schools that quickly shut down.” Once schools close, “districts struggle to retrieve public money not spent on students.

Current assets are also referred to as the “working assets” of the business because they are in the cycle of cash going to buy inventory; Inventory is then sold to vendors and becomes Accounts Receivable. Accounts Receivable, when collected from the vendors, then turns back into Cash. Cash → Inventory → Accounts Receivable → Cash. This cycle repeats itself over and over again, and it is how a business makes money.

cash money.

The first basic income pilot in a developing country was implemented in the small Namibian village of Otjivero-Omitara in 2008–9, covering about 1,000 people.40 The study was carried out by the Namibian Basic Income Grant Coalition, with money raised from foundations and individual donations. Everyone in the village, including children but excluding over-sixties already receiving a social pension, was given a very small basic income of N$100 a month (worth US$12 at the time or about a third of the poverty line), and the outcomes compared with the previous situation. The results included better nutrition, particularly among children, improved health and greater use of the local primary healthcare centre, higher school attendance, increased economic activity and enhanced women’s status.41 The methodology would not have satisfied those favouring randomized control trials that were coming into vogue at the time. No control village was chosen to allow for the effects of external factors, in the country or economy, because those directing the pilot felt it was immoral to impose demands, in the form of lengthy surveys, on people who were being denied the benefit of the basic income grants. However, there were no reported changes in policy or outside interventions during the period covered by the pilot, and confidence in the results is justified both by the observed behaviour, and by recipients’ opinions in successive surveys. School attendance went up sharply, though there was no pressure on parents to send their children to school. The dynamics were revealing. Although the primary school was a state school, parents were required to pay a small fee for each child. Before the pilot, registration and attendance were low, and the school had too little income from fees to pay for basics, which made the school unattractive and lowered teachers’ morale. Once the cash transfers started, parents had enough money to pay school fees, and teachers had money to buy paper, pens, books, posters, paints and brushes, making the school more attractive to parents and children and raising the morale and, probably, the capacity of its teachers. There was also a substantial fall in petty economic crime such as stealing vegetables and killing small livestock for food. This encouraged villagers to plant more vegetables, buy more fertilizer and rear more livestock. These dynamic community-wide economic effects are usually overlooked in conventional evaluations, and would not be spotted if cash was given only to a random selection of individuals or households and evaluated as a randomized control trial. Another outcome, unplanned and unanticipated, was that villagers voluntarily set up a Basic Income Advisory Committee, led by the local primary school teacher and the village nurse, to advise people on how to spend or save their basic income money. The universal basic income thus induced collective action, and there was no doubt that this community activism increased the effectiveness of the basic incomes.

As of early 2017, GiveDirectly planned to mobilize $30 million for what it claims will be the largest basic income experiment ever. Continuing with the RCT methodology, villages in two Kenyan counties will be divided into three groups: in forty villages all adult residents will receive a monthly basic income for twelve years; in eighty villages all adult residents will receive a basic income for two years; and in another eighty villages all adult residents will receive a lump sum equivalent to the two-year basic income. In all, some 26,000 individuals will receive cash transfers worth about 75 US cents a day. Data will also be collected from a control group of a hundred similar villages. The stated main objective of GiveDirectly is the eradication of ‘extreme poverty’, which is a worthy goal but is not the prime rationale for a basic income system. At the time of writing, the hypotheses to be tested had not been finalized, though one aim of the proposed study is to look at the impact of a long-term basic income on risk-taking, such as starting a business, and another is to look at village-level economic effects. The sheer size of the planned experiments may backfire by distorting the social and economic context. The project has already run into problems of low participation rates in one county, where people have refused the no-strings largesse, believing it to be linked to cults or devil worship. That said, unlike the pilots proposed in Europe, this experiment will test a genuine basic income by providing a universal, unconditional income paid to all individuals in a community. So the hope must be that the researchers, advised by well-known economists from prestigious US universities, will ask the right questions.

George Malcolm: half white, half black, with messy tousled hair, rumpled and tugged between kind of curly and extremely curly. Once, a year or so before, he'd been at our house and he'd pulled out a lock of his hair and used it to teach me about eddies and helixes. It's a circular current into a central station, he'd explained, giving me one to hold. I pulled on the spring. Nature is full of the same shapes, he said, taking me to the bathroom sink and spinning on the top and pointing out the way the water swirled down the drain. Taking me to the bookshelf and flipping open a book on weather and showing me a cyclone. Then a spiral galaxy. Pulling me back to the bathroom sink, to my glass jar of collected seashells, and pointing out the same curl in a miniature conch. See? he said, holding the seashell up to his hair. Yes! I clapped. His eyes were warm with teaching pleasure. It's galactic hair, he said, smiling. At school, George was legendary already. He was so natural at physics that one afternoon the eighth-grade science teacher had asked him to do a preview of the basics of relativity, really fast, for the class. George had stood up and done such a fine job, using a paperweight and a yardstick and the standard-issue school clock, that the teacher had pulled a twenty-dollar bill from his wallet. I'd like to be the first person to pay you for your clarity of mind, the teacher had said. George used the cash to order pizza for the class. Double pepperoni, he told me later, when I'd asked.

David and Neil were MBA students at the Wharton School when the cash-strapped David lost his eyeglasses and had to pay $700 for replacements. That got them thinking: Could there be a better way? Neil had previously worked for a nonprofit, VisionSpring, that trained poor women in the developing world to start businesses offering eye exams and selling glasses that were affordable to people making less than four dollars a day. He had helped expand the nonprofit’s presence to ten countries, supporting thousands of female entrepreneurs and boosting the organization’s staff from two to thirty. At the time, it hadn’t occurred to Neil that an idea birthed in the nonprofit sector could be transferred to the private sector. But later at Wharton, as he and David considered entering the eyeglass business, after being shocked by the high cost of replacing David’s glasses, they decided they were out to build more than a company—they were on a social mission as well. They asked a simple question: Why had no one ever sold eyeglasses online? Well, because some believed it was impossible. For one thing, the eyeglass industry operated under a near monopoly that controlled the sales pipeline and price points. That these high prices would be passed on to consumers went unquestioned, even if that meant some people would go without glasses altogether. For another, people didn’t really want to buy a product as carefully calibrated and individualized as glasses online. Besides, how could an online company even work? David and Neil would have to be able to offer stylish frames, a perfect fit, and various options for prescriptions. With a $2,500 seed investment from Wharton’s Venture Initiation Program, David and Neil launched their company in 2010 with a selection of styles, a low price of $95, and a hip marketing program. (They named the company Warby Parker after two characters in a Jack Kerouac novel.) Within a month, they’d sold out all their stock and had a 20,000-person waiting list. Within a year, they’d received serious funding. They kept perfecting their concept, offering an innovative home try-on program, a collection of boutique retail outlets, and an eye test app for distance vision. Today Warby Parker is valued at $1.75 billion, with 1,400 employees and 65 retail stores. It’s no surprise that Neil and David continued to use Warby Parker’s success to deliver eyeglasses to those in need. The company’s Buy a Pair, Give a Pair program is unique: instead of simply providing free eyeglasses, Warby Parker trains and equips entrepreneurs in developing countries to sell the glasses they’re given. To date, 4 million pairs of glasses have been distributed through Warby Parker’s program. This dual commitment to inexpensive eyewear for all, paired with a program to improve access to eyewear for the global poor, makes Warby Parker an exemplary assumption-busting social enterprise.

Stevens Books SF 49 Ocean Avenue San Francisco, CA 94112 (415) 859-5371 Stevens Books in San Francisco is the only bookstore in the Excelsior District and serves as a hub for the community for book clubs, children’s story time and resource of used books. Centrally located within the Excelsior and Mission Terrace neighborhoods, it is only blocks away from City College and Balboa Park. The book store stocks a broad range of categories, especially featuring current bestsellers, children's books, fiction, mysteries, sci-fi, and fantasy. The non-fiction includes biographies, travel, African-American, Spanish language, cooking, graphic design, art, fashion, history, politics and more. We are also known for the extensive collection of children’s books and hard to find out of print titles. Our main specialty is Christian religious books. We buy back textbooks and resell them. For buy back textbooks we offer cash. If you don’t see what you’re looking for, just ask and the staff will get it for you – and at a discount!

New Deal legislation undoubtedly saved thousands of lives and prevented destitution for millions. New labor laws led to a flourishing of unions and built a strong white middle class. The Social Security Act of 1935 established the principle of cash payments in cases of unemployment, old age, or loss of a family breadwinner, and it did so as a matter of right, not on the basis of individual moral character. But the New Deal also created racial, gender, and class divisions that continue to produce inequities in our society today. Roosevelt’s administration capitulated to white supremacy in ways that still bear bitter fruit. The Civilian Conservation Corps capped Black participation in federally supported work relief at 10 percent of available jobs, though African Americans experienced 80 percent unemployment in northern cities. The National Housing Act of 1934 redoubled the burden on Black neighborhoods by promoting residential segregation and encouraging mortgage redlining. The Wagner Act granted workers the right to organize, but allowed segregated trade unions. Most importantly, in response to threats that southern states would not support the Social Security Act, both agricultural and domestic workers were explicitly excluded from its employment protections. The “southern compromise” left the great majority of African American workers—and a not-insignificant number of poor white tenant farmers, sharecroppers, and domestics—with no minimum wage, unemployment protection, old-age insurance, or right to collective bargaining.

cash is used to purchase inventory. The inventory then goes through a manufacturing process and gets converted to a finished product. When a sale is made, the finished-goods inventory becomes debtors or receivables. On the due date, when collection is made from debtors, it gets converted to cash again. This cycle of cash-to-cash is called the working-capital cycle.

Q: Did you know? A: Human saliva has a boiling point three times that of regular water. > A Buddhist monk approaches a burger food-truck and says, “Make me one with everything.  > The Buddhist monk pays with a $20 bill, which the vendor takes, puts in his cash box, and closes the lid.  > Where’s my change?  > The monk asks. > The vendor replies: > “change comes from within.

At the beginning of every month, homeowners send mortgage payments to their bank or mortgage servicing agent. Many of these mortgage payments are either securitized or guaranteed by Fannie Mae, Ginnie Mae, or Freddie Mac – the GSEs, or Government Sponsored Enterprises. That means billions of dollars of mortgage principal and interest payments are being collected by the GSEs at the beginning of the month and paid to bondholders later in the month. During the period of the time between payments, the GSEs invest a substantial amount of cash straight into the Repo market.

Investor: “Great! Now, I know we talked about the fact that you want $110,000 for the house. I already mentioned that I’d be purchasing your house as an investment, and unfortunately, I just can’t afford to pay that much and still be able to make a profit on the deal. But, here’s what I can do. I can either pay you $90,000 in cash for the property or I can pay you $100,000 if you’re willing to owner finance the sale. That means we would complete the sale in ten days, but you would wait six months to collect your $100,000. Which of those options would you prefer?” At this point, if you’ve done a good job of selecting your offer prices (e.g., you weren’t too generous), there is a good chance the seller isn’t going to accept either of those offers without some additional negotiation. The good news is that we’ve gotten the seller to implicitly agree to all the other terms and contingencies in the contract. Not only that, but we’ve now given the seller two options for the sale price, and his response to your final question (“Which of those options would you prefer?”) will give insight into which direction the negotiation goes.

For John Tyson, the lesson wasn’t in the crops or the soil. It was in the financing. Cash-poor farmers rented land, and their landowners arranged a credit system that financed crops up front for the farmers who were broke. So the landowner provided the money, the farmer provided the labor, and they split the money when the crop came to fruition. The system spread throughout the South, carried on the back of poverty, allowing wealthy landowners and bankers to raise crops without working the land, while forcing farmers to grow crops they would never truly own. In shorthand, it was called tenant farming. The method slowly migrated to Springdale, where John Tyson and other feed dealers were trying to ensure a steady supply of chicken. The feed dealers started providing their product up front for farmers, collecting their payment when the chickens were sold. Then they started fronting the money to buy chickens as well. John Tyson took it a step further. He bought the chickens himself from a hatchery, then he essentially loaned them to farmers who agreed to raise the birds and get paid a fixed price on delivery. The farmer didn’t take any risk on prices because he never owned the birds, and Tyson got his steady flow of chickens to deliver to customers up north.