Cash Converter Quotes

The bourgeoisie, wherever it has got the upper hand, has put an end to all feudal, patriarchal, idyllic relations. It has pitilessly torn asunder the motley feudal ties that bound man to his 'natural superiors,' and has left remaining no other nexus between man and man than naked self-interest, callous 'cash payment.' It has drowned the most heavenly ecstasies of religious fervor, of chivalrous enthusiasm, of philistine sentimentalism, in the icy water of egotistical calculation. It has resolved personal worth into exchange value, and in place of the numberless indefeasible chartered freedoms, has set up that single, unconscionable freedom—Free Trade. In one word, for exploitation, veiled by religious and political illusions, it has substituted naked, shameless, direct, brutal exploitation. The bourgeoisie has stripped of its halo every occupation hitherto honored and looked up to with reverent awe. It has converted the physician, the lawyer, the priest, the poet, the man of science, into its paid wage laborers. The bourgeoisie has torn away from the family its sentimental veil, and has reduced the family relation to a mere money relation.

It’s unavoidable: so long as we value money more highly than living beings and more highly than relationships, we will continue to see living beings as resources, and convert them to cash; objectifying, killing, extirpating. This is true whether we’re talking about fish, fur-bearing mammals, Indians, day-laborers, and so on. If monetary value is attached to something it will be exploited until it’s gone.

Make no mistake, our economic system can do no other than destroy everything it encounters. That’s what happens when you convert living beings to cash. That conversion, from living trees to lumber, schools of cod to fish sticks, and onward to numbers on a ledger, is the central process of our economic system. Psychologically, it is the central process of our enculturation; we are most handsomely rewarded in direct relation to the manner in which we can help increase the Gross National Product.

bear in mind when trying to compare housing with other forms of capital asset. The first is depreciation. Stocks do not wear out and require new roofs; houses do. The second is liquidity. As assets, houses are a great deal more expensive to convert into cash than stocks. The third is volatility.

You have two options in life: stay home, and stay hungry, or go out there, pluck some cashews, and convert them into cash.

A good entrepreneur converts his skills to cash.

Here’s why an allowance is good for kids: Having a little of their own money, and deciding how to save or spend it, offers a measure of autonomy and teaches them to be responsible with cash. Here’s why household chores are good for kids: Chores show kids that families are built on mutual obligations and that family members need to help each other. Here’s why combining allowances with chores is not good for kids. By linking money to the completion of chores, parents turn an allowance into an “if-then” reward. This sends kids a clear (and clearly wrongheaded) message: In the absence of a payment, no self-respecting child would willingly set the table, empty the garbage, or make her own bed. It converts a moral and familial obligation into just another commercial transaction—and teaches that the only reason to do a less-than-desirable task for your family is in exchange for payment.

Sadly the receipt will not survive long enough for Lazlo to read it. It is already fading, as the thermal paper on which it is printed degrades over time. The reason for this is that printing on thermal paper does not mean adding ink to it. Rather, the ink is already encapsulated within the paper, in the form of a so-called leuco dye and an acid. The act of printing requires only a spark to heat up the paper so that the acid and dye react with each other, converting the dye from a transparent state into a dark pigment. It is this cunning paper technology that ensures that cash registers never run out of ink. But over time the pigment reverts to its transparent state and so the ink fades, taking with it the evidence of curry and beer dinners.

Wisdom and wealth are not necessarily twins. Solomon was blessed with wisdom, he was also blessed with riches. His wealth did not result from his wisdom. Jesus was so wise that it was said of him, "never has another man spoken like this". Yet he was materially poor. He had to borrow money to illustrate Caesar's things. Next time you mock a poor man to convert his wise ideas to cash, think twice.

The error in this conclusion may be most simply demonstrated by means of an actual example. Let us select for this purpose the monetary history of Austria, which Laughlin also uses as an illustration. From 1859 onwards the Austrian National Bank was released from the obligation to convert its notes on demand into silver, and nobody could tell when the State paper-money issued in 1866 would be redeemed, or even if it would be redeemed at all. It was not until the later 'nineties that the transition to metallic money was completed by the actual resumption of cash payments on the part of the Austro-Hungarian Bank.

The key trait of a Sperm Pirate is that she is not driven by desperation. Escaping poverty or hardship is not her motive. She usually has a good education and access to the same opportunities as the man she tries to trap. However, she understands that it is more efficient to enjoy a lavish lifestyle through the sweat of another’s labour. But the Sperm Pirate is acutely aware that the infatuation of a hormonal man has a brief shelf life. This poor collateral must be cashed in before it expires. A pregnancy is the best way to convert this volatile resource into a stable asset. Babies are reliable insurance policies. They create legal obligations for financial support, even when the sweet milk of passion turns sour.

Out of 1,016 study subjects who’d been involved with the Moonies, 90 percent of those who’d been interested enough to attend one of the workshops where this so-called brainwashing occurred decided that the whole thing wasn’t really their cup of tea and quickly ended their Moonie careers. They couldn’t be converted. Of the remaining 10 percent who joined, half left on their own steam within a couple of years. So what made the other 5 percent stay? Prevailing wisdom would tell you that only the intellectually deficient or psychologically unstable would stick by a “cult” that long. But scholars have disproven this, too. In Barker’s studies, she compared the most committed Moonie converts with a control group—the latter had gone through life experiences that might make them very “suggestive” (“Like having an unhappy childhood or being rather low-intelligence,” she said). But in the end, the control group either didn’t join at all or left after a week or two. A common belief is that cult indoctrinators look for individuals who have “psychological problems” because they are easier to deceive. But former cult recruiters say their ideal candidates were actually good-natured, service-minded, and sharp. Steven Hassan, an ex-Moonie himself, used to recruit people to the Unification Church, so he knows a little something about the type of individual cults go for. “When I was a leader in the Moonies we selectively recruited . . . those who were strong, caring, and motivated,” he wrote in his 1998 book Combatting Cult Mind Control. Because it took so much time and money to enlist a new member, they avoided wasting resources on someone who seemed liable to break down right away. (Similarly, multilevel marketing higher-ups agree that their most profitable recruits aren’t those in urgent need of cash but instead folks determined and upbeat enough to play the long game. More on that in part 4.) Eileen Barker’s studies of the Moonies confirmed that their most obedient members were intelligent, chin-up folks. They were the children of activists, educators, and public servants (as opposed to wary scientists, like my parents). They were raised to see the good in people, even to their own detriment. In this way, it’s not desperation or mental illness that consistently suckers people into exploitative groups—instead, it’s an overabundance of optimism.

Collateral Capacity or Net Worth? If young Bill Gates had knocked on your door asking you to invest $10,000 in his new company, Microsoft, could you get your hands on the money? Collateral capacity is access to capital. Your net worth is irrelevant if you can’t access any of the money. Collateral capacity is my favorite wealth concept. It’s almost like having a Golden Goose! Collateral can help a borrower secure loans. It gives the lender the assurance that if the borrower defaults on the loan, the lender can repossess the collateral. For example, car loans are secured by cars, and mortgages are secured by homes. Your collateral capacity helps you to avoid or minimize unnecessary wealth transfers where possible, and accumulate an increasing pool of capital providing accessibility, control and uninterrupted compounding. It is the amount of money that you can access through collateralizing a loan against your money, allowing your money to continue earning interest and working for you. It’s very important to understand that accessibility, control and uninterrupted compounding are the key components of collateral capacity. It’s one thing to look good on paper, but when times get tough, assets that you can’t touch or can’t convert easily to cash, will do you little good. Three things affect your collateral capacity: ① The first is contributions into savings and investment accounts that you can access. It would be wise to keep feeding your Golden Goose. Often the lure of higher return potential also brings with it lack of liquidity. Make sure you maintain a good balance between long-term accounts and accounts that provide immediate liquidity and access. ② Second is the growth on the money from interest earned on the money you have in your account. Some assets earn compound interest and grow every year. Others either appreciate or depreciate. Some accounts could be worth a great deal but you have to sell or close them to access the money. That would be like killing your Golden Goose. Having access to money to make it through downtimes is an important factor in sustaining long-term growth. ③ Third is the reduction of any liens you may have against these accounts. As you pay off liens against your collateral positions, your collateral capacity will increase allowing you to access more capital in the future. The goose never quit laying golden eggs – uninterrupted compounding. Years ago, shortly after starting my first business, I laughed at a banker that told me I needed at least $25,000 in my business account in order to borrow $10,000. My business owner friends thought that was ridiculously funny too. We didn’t understand collateral capacity and quite a few other things about money.

Socrates: So now you won't acknowledge any gods except the ones we do--Chaos, the Clouds, the Tongue--just these three? Strepsiades: Absolutely-- I'd refuse to talk to any other gods, if I ran into them--and I decline to sacrifice or pour libations to them. I'll not provide them any incense... I want to twist all legal verdicts in my favor, to evade my creditors. Chorus Leader: You'll get that, just what you desire. For what you want is nothing special. So be confident--give yourself over to our agents here. Strepsiades: I'll do that--I'll place my trust in you. Necessity is weighing me down--the horses, those thoroughbreds, my marriage--all that has worn me out. So now, this body of mine I'll give to them, with no strings attached, to do with as they like--to suffer blows, go without food and drink, live like a pig, to freeze or have my skin flayed for a pouch-- if I can just get out of all my debt and make men think of me as bold and glib, as fearless, impudent, detestable, one who cobbles lies together, makes up words, a practiced legal rogue, a statute book, a chattering fox, sly and needle sharp, a slippery fraud, a sticky rascal, foul whipping boy or twisted villain, troublemaker, or idly prattling fool. If they can make those who run into me call me these names, they can do what they want--no questions asked. If, by Demeter, they're keen, they can convert me into sausages and serve me up to men who think deep thoughts. Chorus: Here's a man whose mind's now smart, no holding back--prepared to start. When you have learned all this from me you know your glory will arise among all men to heaven's skies. Strepsiades: And what will I get out of this? Chorus: For all time, you'll live with me a life most people truly envy. Strepsiades: You mean one day I'll really see that? Chorus: Hordes will sit outside your door wanting your advice and more-- to talk, to place their trust in you for their affairs and lawsuits, too, things which merit your great mind. They'll leave you lots of cash behind. Chorus Leader: [to Socrates] So get started with this old man's lessons, what you intend to teach him first of all--rouse his mind, test his intellectual powers. Socrates: Come on then, tell me the sort of man you are--once I know that, I can bring to bear on you my latest batteries with full effect. Strepsiades: What's that? By god, are you assaulting me? Socrates: No--I want to learn some things from you. What about your memory? Strepsiades: To tell the truth, it works two ways. If someone owes me something, I remember really well. But if it's poor me that owes the money, I forget a lot. Socrates: Do you have a natural gift for speech? Strepsiades: Not for speaking--only for evading debt. Socrates: ... Now, what do you do if someone hits you? Strepsiades: If I get hit, I wait around a while, then find witnesses, hang around some more, then go to court.

outskirts of Pittsburgh and was in the process of having the Bessemer converters moved onto the site when he was contacted by Tom Scott. Scott had invested in a railroad in Texas, but when Wall Street went into a tailspin, his investment took a hit; he needed a cash infusion and assumed that Carnegie would help, especially since Carnegie owed much of his success to his mentor. However, Carnegie refused to help, telling Scott that he could not jeopardize his own financial future for what he considered to be a bad investment. Scott was both shocked and hurt, since Carnegie was not just a business associate but someone he considered a friend. It was inconceivable to him that Carnegie would flatly reject him in his time of need. Five years later, Carnegie got word that Scott had suffered a stroke and had gone to Europe to try and recuperate. Carnegie wrote to him, “All our miserable differences vanish in a moment. I only reproach

ON AUGUST 15, 1971, United States President Richard Nixon announced that foreign-held U.S. dollars would no longer be convertible into gold—thus stripping away the last vestige of the international gold standard.1 This was the end of a policy that had been effective since 1931, and confirmed by the Bretton Woods accords at the end of World War II: that while United States citizens might no longer be allowed to cash in their dollars for gold, all U.S. currency held outside the country was to be redeemable at the rate of $35 an ounce. By doing so, Nixon initiated the regime of free-floating currencies that continues to this day.

The principle for us is that works of art shouldn't be considered liquid assets to be converted into cash,

The principle for us is that works of art shouldn't be considered liquid assets to be converted into cash," says Taylor. "They're records of human creativity that are held in the public trust.

A higher minimum wage can make employers less inclined to offer non-wage benefits such as generous leave policies or insurance, as well as on-the-job perks such as free meals and parking. Non-cash perks such as parking and food are not taxed. But when these non-wage benefits are converted to wages, they become subject to income and sales taxes. So not only do workers have to pay for perks that used to be free, they get taxed for them, too.

This race among the superrich—for zeroes in their bank accounts—means a race to transform items of inestimable value into cold, hard cash. The land, what’s on and under the land—all that vibrant life—human effort and creativity, our friendships, our health and the “statistical value” of our very lives, all are being converted into money. We have even equated speech—that unique human gift—with money.

P&G switched from market TSR to operating TSR. Operating TSR is an amalgamated measure of three real operating performance measures—sales growth, profit margin improvement, and increase in capital efficiency. This measure more accurately captures P&G’s true performance across the most critical operational metrics and, moreover, measures things that business-unit presidents and general managers can actually influence, unlike the market-based TSR number. The operating TSR measure integrates revenue growth, margin growth, and cash productivity and it does so regardless of the type of assets being managed—whether you have hard assets like tissue/towel paper converting machines or inventory like cosmetics and fragrance products. In other words, the measure could be equitably and usefully applied to all of P&G’s diverse businesses. And it isn’t utterly unconnected to stock performance—there is a high correlation over the medium and long term between operating TSR and market TSR. But unlike the stock price, the operating TSR measures are ones over which P&G managers have real influence in the short and medium term.

Wisdom and riches are not always synonymous. There are instances of 'rich but foolish' and 'poor but wise'. Solomon's riches did not result from his wisdom; he was blessed riches also. The wisest of all men was poor. He was poor enough to obtain a coin from someone in his audience (without ridicule) to postulate the famous quote, "give Caesar's things to Caesar ..." Next time you ridicule a poor man's suggestion as bereft of wisdom, think twice. What he may be bereft of is the opportunity or sterner stuff it requires to convert it to cash.

Arbitrages: The purchase of a security and the simultaneous sale of one or more other securities into which it was to be exchanged under a plan of reorganization, merger, or the like. Liquidations: Purchase of shares which were to receive one or more cash payments in liquidation of the company’s assets. Operations of these two classes were selected on the twin basis of (a) a calculated annual return of 20% or more, and (b) our judgment that the chance of a successful outcome was at least four out of five. Related Hedges: The purchase of convertible bonds or convertible preferred shares, and the simultaneous sale of the common stock into which they were exchangeable. The position was established at close to a parity basis—i.e., at a small maximum loss if the senior issue had actually to be converted and the operation closed out in that way. But a profit would be made if the common stock fell considerably more than the senior issue, and the position closed out in the market. Net-Current-Asset (or “Bargain”) Issues: The idea here was to acquire as many issues as possible at a cost for each of less than their book value in terms of net-current-assets alone—i.e., giving no value to the plant account and other assets. Our purchases were made typically at two-thirds or less of such stripped-down asset value. In most years we carried a wide diversification here—at least 100 different issues.

The criteria that I found most valuable when making my decisions were the following: What is the size of the investor community invested in other offerings on the platform to-date? Does the platform accept investments via credit card? For example, about 40% of my crowdfunding investors invested with a credit card. Does the platform allow for campaign extensions (if you fall short of your goal within your campaign period, can you extend the campaign until you reach your goal)? I’ve extended my campaigns multiple times. Does the platform allow for multiple disbursements? I prefer to disburse money from my campaign once a month. However, many platforms don’t allow you to disburse the funds until after the campaign is over What are the fees? Platforms can charge between 5-20% of your raise as fees, with some platforms having complicated fee structures that involve taking some of your Securities as part of the offering. Some platforms require you to pay them cash upfront before launching an offering. Does the platform allow you to set your own terms? For example, some platforms don’t allow you to sell convertible notes. Some others don’t allow you to sell non-voting common stock. Some platforms insist that they set the valuation for your startup in order to launch—the logic being that they know their investors, and they want to provide them with a “good deal.” For many reasons, you want to sell the Security that’s right for your startup. Does the platform allow you to have design freedom on the campaign page? You want to make sure that your brand is well represented. The aesthetics and optimization of the page are highly correlated with conversion (how many people invest after visiting your page). Does the platform support analytics? You need advanced analytics to market your offering. Some platforms, for example, allow you to enter a Facebook Pixel and Google Analytics code into the campaign page, while others do not. Does the platform have a good reputation? You will be driving a lot of potential investors and media folks to this platform, and you want to be sure that your platform of choice hasn’t been involved in anything shady in the past. Does the platform allow you to update your investors and prospective investors with campaign notifications? Some platforms have a built-in functionality where you can post updates right on the campaign, download email, and mailing contact lists of your investors (allowing you to contact them by email and allowing you to build Facebook “lookalike audiences”). Whereas, other platforms don’t even share the email addresses of the folks who have already invested in your startup. Does the platform support or plan to support secondary trading for the Securities that it sells on its platform? Will your investors be able to sell the Securities that they buy from you? The ability to sell Securities in a marketplace brings a lot of liquidity and increases its value significantly. In order to allow for secondary trading, the platform needs to obtain an Alternative Trading System (ATS) approval from FINRA.

Next, divide free cash flow by sales (or revenues), which tells you what proportion of each dollar in revenue the firm is able to convert into excess profits. If a firm’s free cash flow as a percentage of sales is around 5 percent or better, you’ve found a cash machine—as of mid-2003, only one-half of the S&P 500 pass this test. Strong free cash flow is an excellent sign that a firm has an economic moat.

Whenever a Catholic priest arrived from abroad, the sisters went into missionary overdrive, converting the neighborhood poor to Christianity with offers of clothes, food, books, and money. Our Maari was one of the many who lined up outside the church, tempted by the pristine white garments that the sisters handed out and the envelopes of cash that she needed so badly. But she always reverted back to Hinduism after a few days, preferring her dime-sized bindi and colorful saris to the Spartan clothes of newly converted Christians. Apparently, her Christianity commanded a higher price than the sisters could afford.

And the historical corrective goes even further, as the energetic and material foundations of modern civilization go back into the five decades before the beginning of World War I and, to a surprisingly high degree, to a single decade, the 1880s. That decade saw the invention and patenting, and in many cases also the successful commercial introduction, of so many processes, converters, and materials indispensable for modern civilization that their aggregate makes the decade’s record unprecedented, and most likely unrepeatable. Bicycles, cash registers, vending machines, punch cards, adding machines, ballpoint pens, revolving doors, and antiperspirants (and Coca Cola and the Wall Street Journal) could be dismissed as the decade’s minor inventions and innovations.

AFTER TEN HOURS OF hard labor beneath a hot sun, Elsa climbed down from the truck. She had her work chit in one gloved hand. It wasn’t worth much, but it was something. The company store charged the camp residents ten percent to convert the chit to credit, but they couldn’t cash it anywhere else; if they wanted cash instead of credit, they had to pay interest. So, in point of fact, as little as they were paid, it was really even ten percent less.

Around the same time, Congress passed the Economic Recovery Tax Act. Among other things, it extended the life of net operating loss carry-forwards (NOLs) from seven to fifteen years. NOLs allow companies to offset their current year’s taxable income with past losses, thereby reducing current tax liability. The goal of the act was to help struggling companies recover and to enable their shareholders to benefit from the prior losses. We took a look at all of the public companies with large NOLs and found something surprising. These companies had virtually no change in share price as a result of the new legislation. The market was overlooking the significant value added through the extended life of NOLs. That presented us with an enormous opportunity to gain control of those NOLs and create holding companies for businesses whose profits would be shielded. If a company was trading at $3 a share for a total enterprise value of $45 million and it had $350 million in NOLs, we knew we could create profits that were sheltered and convert those NOLs (which were valued at $0) to roughly $100 million of cash, or 25 cents on the dollar over time. And that’s just what we did.

Two forms of the quantity theory were available when Keynes started work as an economist – Irving Fisher’s ‘transactions’ version, and the Cambridge ‘cash balances’ approach, developed by Alfred Marshall, who taught Keynes his economics. Keynes used both in his pre-1914 lectures, saying they come to ‘practically the same thing’. Fisher’s equation of exchange, MV = PT, states that, in any period, the quantity of money (M) times its velocity of circulation – the average number of times per period which a pound or dollar is spent (V) – equals the average price of each transaction (P) multiplied by the total number of transactions (T). All this means is that the value of what is spent is equal to the value of what is bought, hardly a surprising conclusion. Three further propositions are needed to convert the equation of exchange into a theory of the price level. First, causation runs from money to prices. Secondly, the velocity of circulation is determined independently of the money supply by the community’s level of income and payments habits. These change only slowly. Thirdly, the volume of transactions is determined independently of the quantity of money by ‘real’ forces.

Yet another genius decided to soak the room with the shower and there was the usual surfeit of girls, booze, and drugs. Somehow we got bored with this and the notion of a puking contest was suggested. This apparently, was an entertaining idea and a bunch of us sat around the waste paper basket. After a couple of rounds of retching and gagging (I think there were some rules but they were never written down!), all that had slopped into the bin was about an inch of bile. To make things more interesting it was proposed that, for a sum of money, someone should drink the colon cocktail we had regurgitated. We all dug deep in our pockets and began to throw pfennigs and marks on the table. On seeing the pile of cash, our ‘Bastard Roadie Number One’ took up the challenge. We all moved close to the broken sink and he lifted the bin to his lips. He put it down again. “Several times he raised it to his lips and balked. Finally he got the rim on his bottom lip and began to tip the bin. As the slime slid towards his mouth someone – it might have been me – said, ‘And you have to gargle’. He didn’t stop; he opened up, threw back his head and gargled the stomach contents of about half a dozen punks. He didn’t throw up, but he might have screamed and jumped around a lot. Victorious, he grabbed the money… which when converted back to sterling came to about two quid. It wasn’t a very successful tour!

Lola died in her sleep last time I did not even feel her leave. Lola was a true daughter of the Earth, who inherited an extensive wealth of agricultural techniques from her parents and ancestors. For most of her life, they lived in desolate rural poverty but they never lacked for food. They had little money, but everything else they needed, they got from the abundance that nature gifted them. She lived through the age of big cities and concrete dreams, so farming folks like them had zero support from the government. Lola had told me so many stories about encounters with mining corporations and housing developers along with their private armies who never seem to tire converting more farmlands and rural areas into cash cows. They never cared that these lands were scared and had served communities for many generations. But when the pandemic had hit and the global economy had crashed, everyone turned to the rural folks they had always ignored and abused. My lola made sure that her all her children had the ancient wisdom of their people but also schooled in the ways of the city folks. My mother was the first from their community to make their stories known.

Convert your net income from operating activities to net cash (flows): The cash flow statement also helps in converting the earnings from operating activities to cash.

Here’s how it is done. Imagine a hypothetical mutual savings and loan, which we’ll call Magic Wand S&L, or MW, with $10 million in liquidation or book value, and net income of $1 million per year. If MW were a stock bank with one million shares outstanding, each share would have a book value of $10 and earn $1 per share, which is 10 percent of book value. Suppose that if there were such a thing as MW stock, it would, as is typical, trade at one times book value, or $10 per share. Management decides to “convert” MW to a stock savings and loan and issue for the first time one million shares of stock at $10 per share, for proceeds of $10 million. After this initial public offering, or IPO, MW has $10 million in new cash plus the $10 million in equity previously owned by the depositors, for a new total of $20 million in equity. Each share now has a book value of $10 cash plus $10 in contributed equity, for a total of $20. What will the new shares sell for in the marketplace? The contributed equity ought to be worth $10 based on the current market price of comparable stock S&Ls and the $10 in cash ought to be worth another $10, so once the public understands this, we expect the new stock to trade at about $20.

If POG was trading at a 40 percent discount with shares at $6 each and an NAV of $10, we could attempt to buy enough shares to force and win a vote to convert the fund to an open-end mutual fund, allowing shareholders to redeem at net asset value. Then we pay $6 a share and cash out at $10 a share, for a profit of $4

The wealthy can quite easily convert their cash into political influence, and politicians and bureaucrats are quite capable of turning their political influence into cash. In the UK -as in most other capitalist countries- the links between the public and private sectors have become so close that it is hard to know where one ends and the other begins. But these privileges are not available to everyone. For people like Lex Greensill, the British state appears extremely porous. He can write to politicians directly, requesting help and support, as well as hiring former civil servants -and even former prime ministers- to do his dirty work for him. But to organize like unions that lobby on behalf of workers -not to mention people trying to petition the government themselves- the British state seems impenetrable. The different versions of state power experienced by more and less powerful actors tell us something about what the state actually is. Rather than a fixed set of stable institutions, the state is a social relation, like capital itself.

legit, a convertible that will take me anywhere—it’s almost overwhelming. But I am jolted back to life when a tall, tanned brunette strolls through the lobby. Her top is what’s left of a string bikini and covers almost nothing. Her bottom is a sheer skirt that covers even less. I hand over a Visa card for the charges. I could also use either cash or a prepaid credit card, but since the Fibbies know where I’m staying, there’s no need to be deceptive. I’m sure the Miami office has been notified, and there’s probably a set of eyes not too far away. If I were really paranoid, I could believe that the FBI has already been in my room and perhaps hidden a bug or two. I get to my room, see no bugs or spooks, take a quick shower, and change into shorts and sandals. I go to the bar to check out the talent. I eat alone in the hotel café and catch the eye of a fortyish woman who is dining with what appears to be a female friend. Later, back in the bar, I see her again and we introduce ourselves. Eva, from Puerto Rico. We’re having a drink when the band starts. Eva wants to dance, and though it’s been years, I hit the floor with all the energy I have. Around midnight, Eva and I make it to my room, where we immediately undress and hop into bed. I almost pray the FBI has the room wired

Realizing he wouldn’t get more soldiers, Schoomaker told his subordinates to squeeze more out of what they had. Each of ten regular Army divisions raised a fourth maneuver brigade, adding ten more deployable BCTs to the pool. Divisions shut down long-established but now extraneous headquarters: the division engineer brigade, the division artillery, the division support command, the MI battalion, and the signal battalion. All of their subordinate battalions and companies got divvied up and assigned to the new BCTs. Short-range air-defense battalions converted to cavalry squadrons—every BCT got one, yet another reflection of the critical importance of finding the enemy in this war. Along with the new cavalry squadrons, brigades cut to two infantry or armor battalions, giving up their old third-maneuver battalions to help create the new BCTs. Inside the heavy battalions, the ones with tanks and Bradleys, the model became two tank and two Bradley companies, plus an armored engineer company, a formidable array. The light battalions (airborne, air assault, and light infantry) also kept four companies: three rifle units and a weapons company. Cold War air defense, heavy artillery, chemical defense, and headquarters went away, cashed in to create the new BCTs.

As after any revolution, purists were vigilant for signs of ideological backsliding and departures from the one true faith. The 1780s and 1790s were to be especially rich in feverish witch hunts for traitors who allegedly sought to reverse the verdict of the war. For the radicals of the day, revolutionary purity meant a strong legislature that would overshadow a weak executive and judiciary. For Hamilton, this could only invite legislative tyranny. Rutgers v. Waddington represented his first major chance to expound the principle that the judiciary should enjoy coequal status with the other two branches of government. If Rutgers v. Waddington made Hamilton a controversial figure in city politics in 1784, the founding of the Bank of New York cast him in a more conciliatory role. The creation of New York’s first bank was a formative moment in the city’s rise as a world financial center. Banking was still a new phenomenon in America. The first such chartered institution, the Bank of North America, had been started in Philadelphia in 1781, and Hamilton had studied its affairs closely. It was the brainchild of Robert Morris, and its two biggest shareholders were Jeremiah Wadsworth and Hamilton’s brother-in-law John B. Church. These two men now cast about for fresh outlets for their capital. In 1783, John Church sailed for Europe with Angelica and their four children to settle wartime accounts with the French government. In his absence, Church named Hamilton as his American business agent, a task that was to consume a good deal of his time in coming years. When Church and Wadsworth deputized him to set up a private bank in New York, Hamilton warmed to it as a project that could help to rejuvenate New York commerce. He was stymied by a competing proposal from Robert R. Livingston to set up a “land bank”—so called because the initial capital would be pledged mostly in land, an idea Hamilton derided as a “wild and impracticable scheme.” 49 Since land is not a liquid asset and cannot be converted into ready cash in an emergency, Hamilton favored a more conservative bank that would conduct business exclusively in notes and gold and silver coins. When Livingston solicited the New York legislature for a charter, the tireless Hamilton swung into action and mobilized New York’s merchants against the effort. He informed Church that he had lobbied “some of the most intelligent merchants, who presently saw the matter in a proper light and began to take measures to defeat the plan.

Free is not a magic bullet. Giving away what you do will not make you rich by itself. You have to think creatively about how to convert the reputation and attention you can get from free into cash.

MY RECOMMENDATION Below is my advice about regarding selling SpaceX stock or options. No complicated analysis is required, as the rules of thumb are pretty simple. If you believe that SpaceX will execute better than the average public company, then our stock price will continue to appreciate at a rate greater than that of the stock market, which would be the next highest return place to invest money over the long term. Therefore, you should sell only the amount that you need to improve your standard of living in the short to medium term. I do actually recommend selling some amount of stock, even if you are certain it will appreciate, as life is short and a bit more cash can increase fun and reduce stress at home (so long as you don’t ratchet up your ongoing personal expenditures proportionately). To maximize your post tax return, you are probably best off exercising your options to convert them to stock (if you can afford to do this) and then holding the stock for a year before selling it at our roughly biannual liquidity events. This allows you to pay the capital gains tax rate, instead of the income tax rate.

A call is an option to buy a stated amount of a certain stock at a fixed price—generally near the current market price—at any time during a stated period. Calls on most listed stocks are always on sale by dealers who specialize in them. The purchaser pays a generally rather moderate sum for his option; if the stock then goes up during the stated period, the rise can easily be converted into almost pure profit for him, while if the stock stays put or goes down, he simply tears up his call the way a horseplayer tears up a losing ticket, and loses nothing but the cost of the call. Therefore calls provide the cheapest possible way of gambling on the stock market, and the most convenient way of converting inside information into cash.

Seychelles said at U.N. climate talks. The report was bound to sharpen disputes in Lima over who pays the bills for the impacts of global warming, whose primary cause is the burning of coal, oil and gas but which also includes deforestation. It has long been the thorniest issue at the U.N. negotiations, now in their 20th round. Rich countries have pledged to help the developing world convert to clean energy and adapt to shifts in global weather that are already adversely affecting crops, human health and economies. But poor countries say they’re not seeing enough cash. Projecting the annual costs that poor countries will face by 2050 just to adapt, the United Nations Environment Program report deemed the previous estimate of $70 billion to $100 billion “a significant underestimate.” It had been based on 2010 World Bank numbers.

The wealthy Japanese have already sent their families to the country. They’ve already converted their cash into gold. The rich do not care about politics; they will say anything to save their skin. You’re not rich, but you’re smart, and I’m telling you that you have to leave today.

Not the shattered or slashed works to which Alena thrilled, but those objects in the archive that both were and weren't different moved me: they had been redeemed, both in the sense that the fetish had been converted back into cash, the claim paid out, but also in the messianic sense of being saved from something, saved for something. An art commodity that had been exorcised (and survived the exorcism) of the fetishism of the market was to me a utopian readymade–an object for or from a future where there was some other regime of value than the tyranny of price.

the greatest loss is the time spent looking for them. Data show that the search for lost things adds up to an average of one workweek per year per employee. In a span of four years, that comes to a whole month. In the United States alone, this loss in productivity when converted to cash amounts to an estimated US$89 billion annually. This is more than double the combined profit of the world’s five largest corporations. These figures are staggering, but this is the reality. The effects of clutter can be devastating. Still, there’s no need to worry. All these problems can be solved by tidying up.

The bourgeoisie, wherever it has got the upper hand, has put an end to all feudal, patriarchal, idyllic relations. It has pitilessly torn asunder the motley feudal ties that bound man to his “natural superiors”, and has left remaining no other nexus between man and man than naked self-interest, than callous “cash payment”. It has drowned the most heavenly ecstasies of religious fervour, of chivalrous enthusiasm, of philistine sentimentalism, in the icy water of egotistical calculation. It has resolved personal worth into exchange value, and in place of the numberless indefeasible chartered freedoms, has set up that single, unconscionable freedom — Free Trade. In one word, for exploitation, veiled by religious and political illusions, it has substituted naked, shameless, direct, brutal exploitation. The bourgeoisie has stripped of its halo every occupation hitherto honored and looked up to with reverent awe. It has converted the physician, the lawyer, the priest, the poet, the man of science, into its paid wage laborers.

Few industries have enough cash to cover their debt without having to count on selling inventory or converting receivables to cash.   A healthy cash ratio is considered to be between 0.5 and 1.   Liquidity ratios are helpful way to measure if a company is at risk of not being able to pay its debt. However, some critics point out that those ratios are past-oriented and cannot predict future cash problems.   Also, such ratios can be misleading because of creative accounting practices (a topic we will cover later on), especially because accounts receivable might be inflated or inventory could be wrongly estimated.

Travel to Cuba Generally Tourist travel to Cuba is prohibited under U.S. law for U.S. citizens, permanent residents, and others subject to U.S. jurisdiction. The hard and fast rules have been relaxed some and exceptions are now made for certain travelers who can show an acceptable reason, to visit the Island Nation in which case a “Tourist Visa" is required and available. US Citizens must have a valid passport with two blank pages available, for entry and exit stamps, at the time of entry into Cuba. United States issued credit and debit cards do not work in Cuba so travelers should plan to bring enough cash with them to cover all the expenses they might incur during their trip. Authorized travelers to Cuba are subject to daily spending limits. See the Office of Foreign Assets Control page of the U.S. Department of the Treasury.The export of Cuban convertible pesos (CUC) is strictly prohibited, regardless of the amount. Travelers may only export the equivalent of $5000 in any currency other than the Cuban convertible peso (CUC). Anyone wishing to export more than this amount must demonstrate evidence that the currency was acquired legitimately from a Cuban bank. Cuba has many Hotels and Resort Areas, most of which are foreign owned; I counted 313 of them. Many are Canadian or European owned with Meliá Hotels International in the lead with twenty-eight hotels in Cuba alone. Being a Spanish hotel chain, it was founded in 1956 in Palma de Mallorca, Spain. The photo show the internationally known “Nacional Hotel.” Some Cruise Lines including Carnival now offer cruises to Cuba and advise guests as to the entry requirements. Follow Captain Hank Bracker, author of “The Exciting Story of Cuba” on Facebook, Goodreads and his Web Page as well as Twitter. His daily blogs and weekend commentaries are now being read by hundreds and frequrntly thousands of readers. Send suggestions and comments to PO Box 607 Elfers, FL 34680-0607.

Milken told his boss, Edwin Kantor, who was in charge of all fixed-income trading, that he wanted to create an autonomous unit, with its own sales force, its own traders and its own research people: the high-yield- and convertible-bond department. Selling these low-rated bonds, he explained, was more like selling stocks than it was like selling high-grade bonds. If a bond was rated triple A by a rating agency, institutions bought them based on that rating—not on the salesman’s pitch about the company. But to convince an investor to buy a bond with a C rating you had to tell the company’s story. You had to know the company’s management, its product, its balance sheet, its earnings trend and cash flow—just as you would in trying to sell the stock of a little-known company.

Money Block #1: Precious Metals (20% of your total assets) Money Block #2: Global Dominators (Stocks) (30% of your total assets) Money Block #3: Cash Cows (High Yield Stocks) (20% of your total assets) Money Block #4: Lockbox IOUs (Bonds) (10% of your total assets) Money Block #5: Global Cash (10% of your total assets) Money Block #6: Money Hedge (10% of your total assets) The allocation of cash to different Money Blocks in the Wealth Shield Portfolio allows you the liquidity and flexibility of being able to access your money, being able to convert your money and being able to grow your money.

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.

Here’s why an allowance is good for kids: Having a little of their own money, and deciding how to save or spend it, offers a measure of autonomy and teaches them to be responsible with cash. Here’s why household chores are good for kids: Chores show kids that families are built on mutual obligations and that family members need to help each other. Here’s why combining allowances with chores is not good for kids. By linking money to the completion of chores, parents turn an allowance into an “if-then” reward. This sends kids a clear (and clearly wrongheaded) message: In the absence of a payment, no self-respecting child would willingly set the table, empty the garbage, or make her own bed. It converts a moral and familial obligation into just another commercial transaction—and teaches that the only reason to do a less-than-desirable task for your family is in exchange for payment. This is a case where combining two good things gives you less, not more. So keep allowance and chores separate, and you just might get that trash can emptied. Even better, your kids will begin to learn the difference between principles and payoffs.

GIVE YOUR KIDS AN ALLOWANCE AND SOME CHORES—BUT DON’T COMBINE THEM Here’s why an allowance is good for kids: Having a little of their own money, and deciding how to save or spend it, offers a measure of autonomy and teaches them to be responsible with cash. Here’s why household chores are good for kids: Chores show kids that families are built on mutual obligations and that family members need to help each other. Here’s why combining allowances with chores is not good for kids. By linking money to the completion of chores, parents turn an allowance into an “if-then” reward. This sends kids a clear (and clearly wrongheaded) message: In the absence of a payment, no self-respecting child would willingly set the table, empty the garbage, or make her own bed. It converts a moral and familial obligation into just another commercial transaction—and teaches that the only reason to do a less-than-desirable task for your family is in exchange for payment. This is a case where combining two good things gives you less, not more. So keep allowance and chores separate, and you just might get that trash can emptied. Even better, your kids will begin to learn the difference between principles and payoffs.

By having a percentage of your cash held in the physical gold and silver, you'll have assets that are quickly convertible to cash, in any currency, anywhere in the world. You can also use gold and silver to barter for goods and services if there is ever a global currency crisis. Other precious metals to consider holding are platinum, palladium and copper. You can invest in these alternative metals via ETFs, rather than taking physical possession of the metals, and you can use those ETFs for potential capital appreciation in this Money Block.

LOW: Cost to Acquire a Customer (CAC) In its simplest form, CAC is all the costs associated with landing new customers (e.g., marketing, advertising, sales) divided by the number of customers you acquired during that period. It’s sometimes tricky to calculate because getting a handle on your marketing costs can be tricky. If you’re focusing on SEO, you may be creating all the content yourself rather than paying a writer. You may be getting a lot of your early customers from forums you spend time on or by getting in front of other people’s audiences. In those cases, the cost is your time rather than an easy-to-calculate number. It’s a lot simpler to calculate CAC if you’re running ads. Then, you can see how much you’re paying per click and track how many people convert from each source. But if you’re not in that position, valuing your time at a certain rate (e.g., $150 an hour) and taking your best guess at time and money spent on marketing in a given month can get you to a good enough estimate of your CAC. How do you know if your CAC is too high? By calculating how long it’ll take to pay back the costs of acquiring each customer. As I was first getting into recurring revenue, I thought that if I was getting $1,000 in LTV from each customer, I could spend $700 to acquire every customer and make $300 a pop. Right? The problem is that you’re not getting $1,000 every time you sign a new customer. With a $50-a-month contract, you’re getting that $1,000 over the course of the next year and a half. If you spend $700 per new customer in January, you won’t break even on those customer acquisition costs until next February (assuming the customer doesn’t churn). With venture capital, the rule of thumb is that you should spend no more than one-third of your customer’s LTV or no more than one ACV. As bootstrappers, we don’t have enough cash to wait 12 months to recoup CAC from every customer. Most successful bootstrappers I know are in the two- to six-month payback period (depending on how much cash they have in the bank). There are times when that number can get more aggressive. For example, at our peak with Drip, we could afford to spend more on customer acquisition because we had the cash in the bank and I knew the numbers in the rest of our funnel by heart. Even at our peak, though, we were only running seven or eight months out—that’s the high end for bootstrapped companies.

Your best estimates for the future will not match up to the actual numbers for several reasons. First, even if your information sources are impeccable, you must convert raw information into forecasts, and any mistakes that you make at this stage will cause estimation error. Next, the path that you envision for a firm can prove to be hopelessly off. The firm may do much better or much worse than you expected it to perform, and the resulting earnings and cash flows will be different from your estimates; consider this firm-specific uncertainty. When valuing Cisco in 2001, for instance, we seriously underestimated how difficult it would be for the company to maintain its acquisition-driven growth in the future, and we overvalued the company as a consequence. Finally, even if a firm evolves exactly the way you expected it to, the macroeconomic environment can change in unpredictable ways. Interest rates can go up or down, and the economy can do much better or worse than expected. Our valuation of Marriott from November 2019 looks hopelessly optimistic, in hindsight, because we did not foresee the global pandemic in 2020 and the economic consequences for the hospitality business.

There are three reasons why a cash flow in the future is worth less than a similar cash flow today. People prefer consuming today to consuming in the future. Inflation decreases the purchasing power of cash over time. A dollar in the future will buy less than a dollar would today. A promised cash flow in the future may not be delivered. There is risk in waiting. The process by which future cash flows are adjusted to reflect these factors is called discounting, and the magnitude of these factors is reflected in the discount rate. The discount rate can be viewed as a composite of the expected real return (reflecting consumption preferences), expected inflation (to capture the purchasing power of the cash flow), and a premium for uncertainty associated with the cash flow. The process of discounting converts future cash flows into cash flows in today's terms. There are five types of cash flows—simple cash flows, annuities, growing annuities, perpetuities, and growing perpetuities. A simple cash flow is a single cash flow in a specified future period. Discounting a cash flow converts it into today's dollars (or present value) and enables the user to compare cash flows at different points in time. The present value of a cash flow is calculated thus:

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Trillions of dollars in homeowner equity…so are the best “captains” of “equity conversion airplanes” the homeowners themselves? No. There is an impetus placed upon real estate professionals - as well as an implied responsibility - to honestly, to effectively and to accurately communicate reality to home sellers. An inability to do so? Fewer real estate listings. Lower sale prices for home sellers. Less equity converted into cash for home sellers. Less revenue for real estate companies. Inopportune…across the board. Three years ago, American homeowners were custodians of an estimated $19 trillion in homeowner equity. Furthermore, over the past three years - even with these stubbornly-elevated mortgage rates - we witnessed an uninterrupted, further run-up in home prices. More equity gained, for American homeowners. As mortgage rates ease downwards heading into the fall, unlocking trillions of dollars in homeowner equity - as a result of more homeowners deciding to either trade up to larger homes, or to downsize to smaller homes, circumstances permitting - will trigger a large-scale (and an upcoming) re-thinking of this following question by more and more homeowners: What shall we now do with this equity we have in our home? So what’s the plan? In real estate, the effective utilization of well-tested "tools,” such as 3-D tours and virtual staging, coupled to good marketing processes - I.e.: a Marketing Plan - deployed by successful real estate teams is a great way for homeowners to convert the equity they have in their homes into cash. It works. Ok, so if you are a for sale by owner home seller in 2024, data indicate that an over-reliance in - as well as, maybe, blind faith placed upon(?), “the Internet,” if you decide to sell your home yourself, FSBO, could lead to an entirely avoidable (and a costly) home selling misadventure. As well as to a saddened foray for home sellers into this unintended outcome: lower sale prices.

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