Cash Is Reality Quotes

The man who refuses to judge, who neither agrees nor disagrees, who declares that there are no absolutes and believes that he escapes responsibility, is the man responsible for all the blood that is now spilled in the world. Reality is an absolute, existence is an absolute, a speck of dust is an absolute and so is a human life. Whether you live or die is an absolute. Whether you have a piece of bread or not, is an absolute. Whether you eat your bread or see it vanish into a looter's stomach, is an absolute. There are two sides to every issue: one side is right and the other is wrong, but the middle is always evil. The man who is wrong still retains some respect for truth, if only by accepting the responsibility of choice. But the man in the middle is the knave who blanks out the truth in order to pretend that no choice or values exist, who is willing to sit out the course of any battle, willing to cash in on the blood of the innocent or to crawl on his belly to the guilty, who dispenses justice by condemning both the robber and the robbed to jail, who solves conflicts by ordering the thinker and the fool to meet each other halfway. In any compromise between food and poison, it is only death that can win. In any compromise between good and evil, it is only evil that can profit. In that transfusion of blood which drains the good to feed the evil, the compromise is the transmitting rubber tube.

Reality was a drunk buying a lottery ticket, cashing out to the tune of seventy million dollars, and splitting it with his favorite barmaid. A little girl emerging alive from a well in Texas where she'd been trapped for six days. A college boy falling from a fifth-floor in Cancun and only breaking his wrist. Reality was Ralph.

I could enjoy the simple life with a small living quarters, a scratched album of Johnny Cash and a Box of Twinkies

The reality is that most of what happens in American politics is transactional. People look for ways to influence those in power by throwing money in their direction.

I often find human behavior amusing. Like having a full refrigerator of food to eat yet buying fast food instead. If you learn to conquer the two big "N" words. Niceties vs Necessities. You might actually have some funds for the hard times that come.

Honesty is the recognition of the fact that the unreal is unreal and can have no value, that neither love nor fame nor cash is a value if obtained by fraud--that an attempt to gain a value by deceiving the mind of others is an act of raising your victims to a position higher than reality, where you become a pawn of their blindness, a slave of their non-thinking and their evasions, while their intelligence, their rationality, their perceptiveness become the enemies you have to dread and flee--that you do not care to live as a dependent, least of all a dependent on the stupidity of others.

You can lie to yourself about all kinds of things. Until you can't, anymore. Until reality pounds a hole through your fantasy castle and the reality check must be cashed in.

The media and educational system have dumbed the people down to a level hitherto unknown in the civilized world. They are modern-day zombie populations, led around by the nose—mentally so manipulated that they cannot think straight, much less act in their own self-interest, either as individuals or as societies and states. Both in spirit and in reality, they have become the tax-paying cash cows and playthings of an alien oligarchy.

Summary of the Science of Getting Rich There is a thinking stuff from which all things are made, and which, in its original state, permeates, penetrates, and fills the interspaces of the universe. A thought in this substance produces the thing that is imaged by the thought. Man can form things in his thought, and by impressing his thought upon formless substance can cause the thing he thinks about to be created. In order to do this, man must pass from the competitive to the creative mind; otherwise he cannot be in harmony with the Formless Intelligence, which is always creative and never competitive in spirit. Man may come into full harmony with the Formless Substance by entertaining a lively and sincere gratitude for the blessings it bestows upon him. Gratitude unifies the mind of man with the intelligence of Substance, so that man’s thoughts are received by the Formless. Man can remain upon the creative plane only by uniting himself with the Formless Intelligence through a deep and continuous feeling of gratitude. Man must form a clear and definite mental image of the things he wishes to have, to do, or to become; and he must hold this mental image in his thoughts, while being deeply grateful to the Supreme that all his desires are granted to him. The man who wishes to get rich must spend his leisure hours in contemplating his Vision, and in earnest thanksgiving that the reality is being given to him. Too much stress cannot be laid on the importance of frequent contemplation of the mental image, coupled with unwavering faith and devout gratitude. This is the process by which the impression is given to the Formless, and the creative forces set in motion. The creative energy works through the established channels of natural growth, and of the industrial and social order. All that is included in his mental image will surely be brought to the man who follows the instructions given above, and whose faith does not waver. What he wants will come to him through the ways of established trade and commerce. In order to receive his own when it shall come to him, man must be active; and this activity can only consist in more than filling his present place. He must keep in mind the Purpose to get rich through the realization of his mental image. And he must do, every day, all that can be done that day, taking care to do each act in a successful manner. He must give to every man a use value in excess of the cash value he receives, so that each transaction makes for more life; and he must so hold the Advancing Thought that the impression of increase will be communicated to all with whom he comes in contact. The men and women who practice the foregoing instructions will certainly get rich; and the riches they receive will be in exact proportion to the definiteness of their vision, the fixity of their purpose, the steadiness of their faith, and the depth of their gratitude.

The notion that a vast gulf exists between "criminals" and those of us who have never served time in prison is a fiction created by the racial ideology that birthed mass incarceration, namely that there is something fundamentally wrong and morally inferior about "them." The reality, though, is that all of us have done wrong. As noted earlier, studies suggest that most Americans violate drug laws in their lifetime. Indeed, most of us break the law not once but repeatedly throughout our lives. Yet only some of us will be arrested, charged, convicted of a crime, branded a criminal or a felon, and ushered into a permanent undercaste. Who becomes a social pariah and excommunicated from civil society and who trots off to college bears scant relationship to the morality of the crimes committed. Who is more blameworthy: the young black kid who hustles on the street corner, selling weed to help his momma pay rent? Or the college kid who deals drugs out of his dorm room so that he'll have cash to finance his spring break? Who should we fear? The kid in the 'hood who joined a gang and now carries a gun for security, because his neighborhood is frightening and unsafe? Or the suburban high school student who has a drinking problem but keeps getting behind the wheel? Our racially biased system of mass incarceration exploits the fact that all people break the law and make mistakes at various points in their lives with varying degrees of justification. Screwing up-failing to live by one's highest ideals and values-is part of what makes us human.

People hate these shows, but their hatred smacks of denial. It's all there, all the old American grotesques, the test-tube babies of Whitman and Poe, a great gauntlet of doubtless eyes, big mouths spewing fantastic catchphrase fountains of impenetrable self-justification, muttering dark prayers, calling on God to strike down those who would fuck with their money, their cash, and always knowing, always preaching. Using weird phrases that nobody uses, except everybody uses them now. Constantly talking about 'goals.' Throwing carbonic acid on our castmates because they used our special cup annd then calling our mom to say, in a baby voice, 'People don't get me here.' Walking around half-naked with a butcher knife behind our backs. Telling it like it is, y'all (what-what). And never passive-aggressive, no. Saying it straight to your face. But crying...My God, there have been more tears shed on reality TV than by all the war widows of the world. Are we so raw? It must be so. There are simply too many of them-too many shows and too many people on the shows-for them not to be revealing something endemic. This is us, a people of savage sentimentality, weeping and lifting weights.

Ignorance has never been the problem. The problem was and continues to be unexamined confidence in western civilization and the unwarranted certainty of Christianity. And arrogance. Perhaps it is unfair to judge the past by the present, but it is also necessary. If nothing else, an examination of the past—and of the present, for that matter—can be instructive. It shows us that there is little shelter and little gain for Native peoples in doing nothing. So long as we possess one element of sovereignty, so long as we possess one parcel of land, North America will come for us, and the question we have to face is how badly we wish to continue to pursue the concepts of sovereignty and self-determination. How important is it for us to maintain protected communal homelands? Are our traditions and languages worth the cost of carrying on the fight? Certainly the easier and more expedient option is simply to step away from who we are and who we wish to be, sell what we have for cash, and sink into the stewpot of North America. With the rest of the bones. No matter how you frame Native history, the one inescapable constant is that Native people in North America have lost much. We’ve given away a great deal, we’ve had a great deal taken from us, and, if we are not careful, we will continue to lose parts of ourselves—as Indians, as Cree, as Blackfoot, as Navajo, as Inuit—with each generation. But this need not happen. Native cultures aren’t static. They’re dynamic, adaptive, and flexible, and for many of us, the modern variations of older tribal traditions continue to provide order, satisfaction, identity, and value in our lives. More than that, in the five hundred years of European occupation, Native cultures have already proven themselves to be remarkably tenacious and resilient. Okay. That was heroic and uncomfortably inspirational, wasn’t it? Poignant, even. You can almost hear the trumpets and the violins. And that kind of romance is not what we need. It serves no one, and the cost to maintain it is too high. So, let’s agree that Indians are not special. We’re not … mystical. I’m fine with that. Yes, a great many Native people have a long-standing relationship with the natural world. But that relationship is equally available to non-Natives, should they choose to embrace it. The fact of Native existence is that we live modern lives informed by traditional values and contemporary realities and that we wish to live those lives on our terms.

John Maynard Keynes saw the truth at the bottom of all this, which is that our fixation on what he called “purposiveness”—on using time well for future purposes, or on “personal productivity,” he might have said, had he been writing today—is ultimately motivated by the desire not to die. “The ‘purposive’ man,” Keynes wrote, “is always trying to secure a spurious and delusive immortality for his actions by pushing his interests in them forward into time. He does not love his cat, but his cat’s kittens; nor in truth the kittens, but only the kittens’ kittens, and so on forward forever to the end of cat-dom. For him, jam is not jam unless it is a case of jam tomorrow and never jam today. Thus by pushing his jam always forward into the future, he strives to secure for his act of boiling it an immortality.” Because he never has to “cash out” the meaningfulness of his actions in the here and now, the purposive man gets to imagine himself an omnipotent god, whose influence over reality extends infinitely off into the future; he gets to feel as though he’s truly the master of his time. But the price he pays is a steep one. He never gets to love an actual cat, in the present moment. Nor does he ever get to enjoy any actual jam. By trying too hard to make the most of his time, he misses his life.

Neoliberalism insists that if we work hard enough, we can earn as much money as anyone else. Of course, the concept of meritocracy is integral to neoliberalism and erases the reality of capital itself, that capitalism is not just material capital but also, importantly, social and cultural capital. Without these forms of capital, (p. 77) one cannot, in fact, “succeed” in a capitalist culture. One obvious example is the art world, where one can only have their work shown in a gallery if they have connections to that gallery (galleries do not, for the most part, accept unsolicited submissions). All the cash in the world can’t create the generations of social connections of a middle-class family, whose circle might include art collectors, gallerists, critics, and artists. It is also the values and unspoken rules of the ruling class that distinguish who is allowed in and who is not.

Corporate elites said they needed free-trade agreements, so they got them. Manufacturers said they needed tax breaks and public-money incentives in order to keep their plants operating in the United States, so they got them. Banks and financiers needed looser regulations, so they got them. Employers said they needed weaker unions—or no unions at all—so they got them. Private equity firms said they needed carried interest and secrecy, so they got them. Everybody, including Lancastrians themselves, said they needed lower taxes, so they got them. What did Lancaster and a hundred other towns like it get? Job losses, slashed wages, poor civic leadership, social dysfunction, drugs. Having helped wreck small towns, some conservatives were now telling the people in them to pack up and leave. The reality of “Real America” had become a “negative asset.” The “vicious, selfish culture” didn’t come from small towns, or even from Hollywood or “the media.” It came from a thirty-five-year program of exploitation and value destruction in the service of “returns.” America had fetishized cash until it became synonymous with virtue.

Shove that shit down. So deep down it’s out of sight. Don’t spend another moment on it. Make it go from a reality to a memory to a feeling you sometimes get on winter days. Then let that feeling drive you to do somethin’ great.

Answering the question 'How would you like to smell?' by saying 'I'd rather I didn't' is also no longer acceptable. It's not playing the game. Men are expected to put some cash into the cosmetic pot too - it's seen as almost un-feminist not to. What a uniquely capitalist response to that gender inequality: women have been forced by convention for generations - millennia - to spend money on expensive clothes and agonising shoes, to daub themselves with reality-concealing slap, to smell expensively inhuman, to self-mutilate in pursuit of eternal youth; and this, quite rightly, has come to be deemed unfair. But how do we end this hell? We make men do it too. Well done everyone.

Only Brunel had experience with large-scale projects. He was indubitably a genius but an unnerving one, as it nearly always took epic infusions of time and cash to find a point of intersection between his soaring visions and an achievable reality.

He made a gesture I can't describe: 'Gentlemen, welcome to the world of reality--there is no audience. No one to applaud, to admire. No one to see you. Do you understand? Here is the truth --actual heroism receives no queues up to see it. No one is interested.' He paused again and smiled in a way that was not one bit self-mocking. True heroism is you, alone, in a designated work space. True heroism is minutes, hours, weeks, year upon year of the quiet, precise, judicious exercise of probity and care--with no one there to see or cheer. This is the world. Just you and the job, at your desk. You and the return, you and the cash-flow data, you and the inventory protocol, you and the depreciation schedules, you and the numbers.' His tone was wholly matter-of-fact.

One man’s real estate crisis is another’s opportunity. All markets work in this way, providing investors with cash the chance to buy—stocks, bonds, real estate, and commodities—when prices are depressed. This reality is devoid of emotional weight and is the basic truth that keeps capitalist economies working.

Over time, I realized that many problems could not be solved with money. I observed others with relationship and health problems, all of which could not be eliminated even with plenty of cash! Then I realized that some of the richest people were also the unhappiest. They struggled with addictions, broken marriages, and poor health.

Above the counter where the ranks of crisp shapes behind the glass her neat gray face her hair tight and sparse from her neat gray skull, spectacles in neat gray rims riding approaching like something on a wire, like a cash box in a store. She looked like a librarian. Something among dusty shelves of ordered certitudes long divorced from reality, desiccating peacefully, as if a breath of that air which sees injustice done

The greatest misfortune for a poor country is that, instead of producing wealth, it produces rich people. But rich people without wealth. In fact, it would be better to call them moneyed rather than rich: a rich person is one who possesses the means of production. A rich person is someone who generates money and provides jobs. A moneyed person is someone who quite simply has some cash. Or rather, he thinks he has. For, in reality, it’s the cash that has him.

Justice and honesty and loyalty are not properties of this world, she thought; and then, by God, she rammed her old enemy, her ancient foe, the Coca-Cola truck, which went right on going without noticing. The impact spun her small car around; her headlights dimmed out, horrible noises of fender against tire shrieked, and then she was off the freeway onto the emergency strip, facing the other direction, water pouring from her radiator, with motorists slowing down to gape. Come back, you motherfucker, she said to herself, but the Coca-Cola truck was long gone, probably undented. Maybe a scratch. Well, it was bound to happen sooner or later, her war, her taking on a symbol and a reality that outweighed her. Now my insurance rates will go up, she realized as she climbed from her car. In this world you pay for tilting with evil in cold, hard cash. A late-model Mustang slowed and the driver, a man, called to her, “You want a ride, miss?” She did not answer. She just kept on going. A small figure on foot facing an infinity of oncoming lights.

Once an opportunist like Mickey, who took the argument when she jumped on some devastated wretch's machine and jackpotted that it was the "cash-ino's money" she was winning, Moon returned after her six month break with the view that the separation had somehow sweetened the honeypot. The sad reality, she quickly learned, was that she was not irreplaceable; as such, the Casino felt no compunction to welcome her back with multi-jackpots. Instead, it took her money everyday and did not once give her a jackpot so that she could say, "Ah. They missed me." Instead, all she could keep saying was, "Verr-y bed. Verr-y bed. Suck-ah all my money!

There were so many different ways in which you were required to provide absolute proof of your identity these days that life could easily become extremely tiresome just from that factor alone, never mind the deeper existential problems of trying to function as a coherent consciousness in an epistemologically ambiguous physical universe. Just look at cash point machines, for instance. Queues of people standing around waiting to have their fingerprints read, their retinas scanned, bits of skin scraped from the nape of the neck and undergoing instant (or nearly instant-a good six or seven seconds in tedious reality) genetic analysis, then having to answer trick questions about members of their family they didn't even remember they had, and about their recorded preferences for tablecloth colours. And that was just to get a bit of spare cash for the weekend. If you were trying to raise a loan for a jetcar, sign a missile treaty or pay an entire restaurant bill things could get really trying. Hence the Ident-i-Eeze. This encoded every single piece of information about you, your body and your life into one all-purpose machine-readable card that you could then carry around in your wallet, and therefore represented technology's greatest triumph to date over both itself and plain common sense.

Every night, millions of Americans spend their free hours watching television rather than engaging in any form of social interaction. What are they watching? In recent years we have seen reality television become the most popular form of television programming. To discover the nature of our current “reality,” we might consider examples such as Survivor, the series that helped spawn the reality TV revolution. Every week tens of millions of viewers watched as a group of ordinary people stranded in some isolated place struggled to meet various challenges and endure harsh conditions. Ah, one might think, here we will see people working cooperatively, like our ancient ancestors, working cooperatively in order to “win”! But the “reality” was very different. The conditions of the game were arranged so that, yes, they had to work cooperatively, but the alliances by nature were only temporary and conditional, as the contestants plotted and schemed against one another to win the game and walk off with the Grand Prize: a million dollars! The objective was to banish contestants one by one from the deserted island through a group vote, eliminating every other contestant until only a lone individual remained—the “sole survivor.” The end game was the ultimate American fantasy in our Age of Individualism: to be left completely alone, sitting on a mountain of cash! 　　While Survivor was an overt example of our individualistic orientation, it certainly was not unique in its glorification of rugged individualists on American television. Even commercial breaks provide equally compelling examples, with advertisers such as Burger King, proclaiming, HAVE IT YOUR WAY! The message? America, the land where not only every man and every woman is an individual but also where every hamburger is an individual! 　　Human beings do not live in a vacuum; we live in a society. Thus it is important to look at the values promoted and celebrated in a given society and measure what effect this conditioning has on our sense of independence or of interdependence

Honesty is the recognition of the fact that the unreal is unreal and can have no value, that neither love nor fame nor cash is a value if obtained by fraud—that an attempt to gain a value by deceiving the mind of others is an act of raising your victims to a position higher than reality, where you become a pawn of their blindness, a slave of their non-thinking and their evasions, while their intelligence, their rationality, their perceptiveness become the enemies you have to dread and flee—that you do not care to live as a dependent, least of all a dependent on the stupidity of others, or as a fool whose source of values is the fools he succeeds in fooling—that honesty is not a social duty, not a sacrifice for the sake of others, but the most profoundly selfish virtue man can practice: his refusal to sacrifice the reality of his own existence to the deluded consciousness of others

Trying to earn God’s pleasure does not work. And yet it goes on all the time. All over the place. Look at any of the major monotheistic religions of the world. Tell us what you see. You see a system of thought where people perform certain acts or rites or scheduled ceremonies, hoping to keep their accounts paid up so they can one day turn them in for final redemption. Cashing in their chips. And it is so silly, these lists of things—especially when they become the way that saved-by-grace Christians try relating to God. This tilting-the-scales stuff is based on the very unbiblical idea that good little boys and girls are the ones who go to heaven. In reality, it’s bad little boys and girls transformed by the gospel of Jesus Christ who go to heaven—those whose sins are covered by His redeeming work, and who love Him so much because of it, they live now to flesh out these new desires He’s placed within them as a way of expressing their willing worship. Not to buy their way inside, but to celebrate being inside. Because we can never be redeemed by religion.

Those captivated by the cult of celebrity do not examine voting records or compare verbal claims with written and published facts and reports. The reality of their world is whatever the latest cable news show, political leader, advertiser, or loan officer says is reality. The illiterate, the semiliterate, and those who live as though they are illiterate are effectively cut off from the past. They live in an eternal present. They do not understand the predatory loan deals that drive them into foreclosure and bankruptcy. They cannot decipher the fine print on the credit card agreements that plunge them into unmanageable debt. They repeat thought-terminating clichés and slogans. They are hostage to the constant jingle and manipulation of a consumer culture. They seek refuge in familiar brands and labels. They eat at fast-food restaurants not only because it is cheap, but also because they can order from pictures rather than from a menu. And those who serve them, also often semiliterate or illiterate, punch in orders on cash registers whose keys are usually marked with pictures. Life is a state of permanent amnesia, a world in search of new forms of escapism and quick, sensual gratification.

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The genius of the current caste system, and what most distinguishes it from its predecessors, is that it appears voluntary. People choose to commit crimes, and that’s why they are locked up or locked out, we are told. This feature makes the politics of responsibility particularly tempting, as it appears the system can be avoided with good behavior. But herein lies the trap. All people make mistakes. All of us are sinners. All of us are criminals. All of us violate the law at some point in our lives. In fact, if the worst thing you have ever done is speed ten miles over the speed limit on the freeway, you have put yourself and others at more risk of harm than someone smoking marijuana in the privacy of his or her living room. Yet there are people in the United States serving life sentences for first-time drug offenses, something virtually unheard of anywhere else in the world. The notion that a vast gulf exists between “criminals” and those of us who have never served time in prison is a fiction created by the racial ideology that birthed mass incarceration, namely that there is something fundamentally wrong and morally inferior about “them.” The reality, though, is that all of us have done wrong. As noted earlier, studies suggest that most Americans violate drug laws in their lifetime. Indeed, most of us break the law not once but repeatedly throughout our lives. Yet only some of us will be arrested, charged, convicted of a crime, branded a criminal or felon, and ushered into a permanent undercaste. Who becomes a social pariah and excommunicated from civil society and who trots off to college bears scant relationship to the morality of crimes committed. Who is more blameworthy: the young black kid who hustles on the street corner, selling weed to help his momma pay the rent? Or the college kid who deals drugs out of his dorm room so that he’ll have cash to finance his spring break? Who should we fear? The kid in the ’hood who joined a gang and now carries a gun for security, because his neighborhood is frightening and unsafe? Or the suburban high school student who has a drinking problem but keeps getting behind the wheel? Our racially biased system of mass incarceration exploits the fact that all people break the law and make mistakes at various points in their lives and with varying degrees of justification. Screwing up—failing to live by one’s highest ideals and values—is part of what makes us human.

I quit and joined him and went on strike,” said Hugh Akston, “because I could not share my profession with men who claim that the qualification of an intellectual consists of denying the existence of the intellect. People would not employ a plumber who’d attempt to prove his professional excellence by asserting that there’s no such thing as plumbing—but, apparently, the same standards of caution are not considered necessary in regard to philosophers. I learned from my own pupil, however, that it was I who made this possible. When thinkers accept those who deny the existence of thinking, as fellow thinkers of a different school of thought—it is they who achieve the destruction of the mind. They grant the enemy’s basic premise, thus granting the sanction of reason to formal dementia. A basic premise is an absolute that permits no co-operation with its antithesis and tolerates no tolerance. In the same manner and for the same reason as a banker may not accept and pass counterfeit money, granting it the sanction, honor and prestige of his bank, just as he may not grant the counterfeiter’s demand for tolerance of a mere difference of opinion—so I may not grant the title of philosopher to Dr. Simon Pritchett or compete with him for the minds of men. Dr. Pritchett has nothing to deposit to the account of philosophy, except his declared intention to destroy it. He seeks to cash in—by means of denying it—on the power of reason among men. He seeks to stamp the mint-mark of reason upon the plans of his looting masters. He seeks to use the prestige of philosophy to purchase the enslavement of thought. But that prestige is an account which can exist only so long as I am there to sign the checks. Let him do it without me. Let him—and those who entrust to him their children’s minds—have exactly that which they demand: a world of intellectuals without intellect and of thinkers who proclaim that they cannot think. I am conceding it. I am complying. And when they see the absolute reality of their non-absolute world, I will not be there and it will not be I who will pay the price of their contradictions.

Treasury Bills The simplest, safest way to generate future cash from current cash is to buy a short-term, three-month Treasury bill. The purchase price you pay is loaned to the government, which in return promises to pay you a guaranteed rate of interest for three months and then return your principal. Because it is very unlikely that the U.S. Treasury will not be around to repay you three months later, the investment is close to riskless and therefore pays a low rate of interest. Its return serves as a benchmark for riskier securities, which must promise to pay more.

The reality is, the men would never play the World Cup on field turf,” Abby Wambach said after the complaint was filed. “So for me, it’s a women’s rights issue—it’s an equality issue.” Of course, FIFA treating the Women’s World Cup like it was less important than the men’s event wasn’t new. Take, for instance, the prize money that FIFA offered the winners. For whoever won the 2015 World Cup, a $2 million team prize was on the line. If that seems like a lot, it shouldn’t—the German men’s team won $35 million for winning the 2014 World Cup. That’s roughly six cents on the dollar for the women. The last-place men’s team at the 2014 World Cup earned $8 million, four times what the winner of the 2015 Women’s World Cup would earn. FIFA may have been a so-called not-for-profit organization that was heading into the 2015 Women’s World Cup with around $1.5 billion in cash reserves, but FIFA secretary general Jérôme Valcke argued the women would have to wait 13 more World Cups to see the sort of cash prize the men get.

You can see how far we are from cash in and cash out. Tracking the flow of cash in and out the door is the job of another financial document, namely the cash flow statement (part 4). You can also see how far we are from simple objective reality. Accountants can’t just tote up the flow of dollars; they have to decide which costs are associated with the sales. They have to make assumptions and come up with estimates. In the process, they may introduce bias into the numbers.

Everything comes with overhead, that's reality. Everything comes with pieces you don't like. You could be a supreme court justice and there's still going to be pieces of your job you don't like. You can be a university professor and you still have to go to committee meetings. Every job comes with pieces you don't like. And we need to say: That's part of it. That's part of everything. Nothing worth pursuing is free. The price is usually proportionate to the rewards. But there's rarely a price tag and you don't pay the price with cash. Most things worth pursuing is paid for in stress, uncertainty, dealing with quirky people, bureaucracy, other people's conflicting incentives, hassle, nonsense, long hours and constant doubt. That's the overhead costs of getting ahead. You have to realize that it's a price that has to be paid, there are few coupons and sales are rare.

The 8 Forms of Wealth learning model is based upon eight hidden (because they are not so commonly considered) habits that I energetically urge you to embrace: Growth: The Daily Self-Improvement Habit. This habit is based on the insight that humans are happiest and genuinely wealthiest when we are steadily realizing our personal gifts and primal talents. The regular pursuit of personal growth is one of your most valuable assets. Wellness: The Steadily Optimize Your Health Habit. This habit is founded on your deep understanding that peak mental, emotional, physical, and spiritual vitality and living a long life filled with energy, wellness, and joyfulness are mission-essential to you being honestly rich. Family: The Happy Family, Happy Life Habit. This habit is built on the knowledge that having all the money and material success in the world is worthless if you are all alone. So enrich the connections with the ones you love. And fill your life with fantastic friends who upgrade your happiness. Craft: The Work as a Platform for Purpose Habit. This habit is grounded in the consistent practice of seeing your work as a noble pursuit and an opportunity not only to make more of your genius real, but also to make our world a better place. Mastery is a currency worth investing in. Money: The Prosperity as Fuel for Freedom Habit. This habit is driven by the principle that financial abundance is not only far from evil but also a necessity for living in a way that is generous, fascinating, and original. Community: The You Become Your Social Network Habit. This habit is structured around the scientific fact that a human being’s thinking, feeling, behaving, and producing are profoundly influenced by their associations, conversations, and mentors. To lead a great life, fill your circle with great people. Adventure: The Joy Comes from Exploring Not Possessing Habit. This habit is formulated around the reality that what creates vast joy is not material goods but magical moments doing things that flood us with feelings of gratefulness, wonder, and awe. Enrich your days with these and your life will rise into a whole new universe of inspiration. Service: The Life Is Short So Be Very Helpful Habit. This habit is founded on the time-honored understanding that the main aim of a life richly lived is to make the lives of others better. As you lose yourself in a cause that is bigger than you, you will not only find your greatest self but will illuminate the world in the process. And discover treasures far beyond the limits of cash, possessions, and public status.

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.

The vision of 100% electronic cash has already been bounced around for many years but few people truly see this as a 2020 reality. In a workshop in India, it was highlighted that ‘people will always need cash for the black economy and in many countries that is significant’. In

It all happened within the blink of an eye. God locked Day’s arms behind his back and rolled pinning him down to the mattress and baring all his weight down on him. Day’s heart rate skyrocketed at the realization that God wasn’t awake yet. “Cash, it’s me! It’s Leo! Wake up dammit!” he shouted at God and bucked to try to free his hands that were trapped painfully behind him. His large biceps bulged and flexed with everything he had. He needed to be able to put up his guard. If God started to swing, he had to be able to block the hits. God blinked again and Day saw the reality seeping back into him. God’s head jerked back and forth looking all around the dark room. “Cash, its Leo. Look at me. Look at me,” Day said quickly. Cash turned and looked down at him and it broke his heart when God squeezed his eyes shut and let go of Day’s arms. Day knew that God felt horrible, not only from the nightmare but from potentially hurting him too. Day held in his groan of pain at bringing his hands from behind his back and wrapped them protectively around God. He pulled God down to his chest. “I got you, baby. It’s all right, it’s just a dream,” Day whispered softly while stroking God everywhere that he could reach. God’s heart was beating so hard Day could feel it against his own bare chest. He dug his hands in God’s long hair and massaged his scalp. God squeezed him back. “He shot you. I couldn’t get to you in time and he shot you,” God said through ragged breaths. “Fuck,” Day hissed and held God tight to him. “No, baby. You did get to me in time. I’m right here with you. You saved me. You will always save me.” Day opened his legs and let God sink in between them. “Damn, I love you so fucking much,” Day whispered. Day placed kisses on the side of God’s face while God had his nose buried in his neck breathing him in. They lay still while both of their heart rates came back down to normal.

In reality, long-term travel has nothing to do with demographics- age, ideology, income- and everything to do with personal outlook. Long-term travel isn't about being a college student, it's about being a student of daily life. Long-term travel isn't an act of rebellion against society; it's an act of common sense within society. Long-term travel doesn't require a massive "bundle of cash", it requires only that we walk through the world in a more deliberate way.

In reality, long-term travel has nothing to do with demographics—age, ideology, income—and everything to do with personal outlook. Long-term travel isn’t about being a college student; it’s about being a student of daily life. Long-term travel isn’t an act of rebellion against society; it’s an act of common sense within society. Long-term travel doesn’t require a massive “bundle of cash”; it requires only that we walk through the world in a more deliberate way.

Net wages: “It’s not what you make, but what you net” after paying the FIRE sector, basic utilities and taxes. The usual measure of disposable personal income (DPI) refers to how much employees take home after income-tax withholding (designed in part by Milton Friedman during World War II) and over 15% for FICA (Federal Insurance Contributions Act) to produce a budget surplus for Social Security and health care (half of which are paid by the employer). This forced saving is lent to the U.S. Treasury, enabling it to cut taxes on the higher income brackets. Also deducted from paychecks may be employee withholding for private health insurance and pensions. What is left is by no means freely available for discretionary spending. Wage earners have to pay a monthly financial and real estate “nut” off the top, headed by mortgage debt or rent to the landlord, plus credit card debt, student loans and other bank loans. Electricity, gas and phone bills must be paid, often by automatic bank transfer – and usually cable TV and Internet service as well. If these utility bills are not paid, banks increase the interest rate owed on credit card debt (typically to 29%). Not much is left to spend on goods and services after paying the FIRE sector and basic monopolies, so it is no wonder that markets are shrinking. (See Hudson Bubble Model later in this book.) A similar set of subtrahends occurs with net corporate cash flow (see ebitda). After paying interest and dividends – and using about half their revenue for stock buybacks – not much is left for capital investment in new plant and equipment, research or development to expand production.

3. You need to do empiricism – study reality diligently, independently of your morals – to remain on solid ground. 4. An empirical set of observations will show you that insufficient cash reserves are potentially fatal. 5. Thus, in Causal Mode, you always ensure you have adequate cash reserves. 6. You ensure you have those cash reserves. 7. Thus, causally, you stay alive in business.

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.

Revenue is Vanity, Profit is Reality and Cash is King. Where is your King Plan?

I want to finish my race in the Promised Land, not in the wilderness. You too? Then we have to cash in our fear and complacency and spend all we have on the only ticket out: BELIEF. Faith is the only thing that will ever close the gap between our theology and our reality.

DUI lawyer, you keep your own prison His massive night someone already enjoying the party, so that the bike control and race your friends, they are not only tortured in the police what to buy is bought. On their own, the rule of law continues, in fact, the subject-matter superhero yourself re probably on his own power to the wheel that says that the confusion comes in, things can actually almost non-existent, is not likely, it is an evil that has to comply. Therefore, it would be activated only in Jesus want to move, which at the time of completing the route in the direction of law enforcement officers is necessary, and Georgia DUI Lawyer subject and then focus your car drunk. In your case, confusion, and for decoration in production on their own is very concerned about the order itself,. We understand that they are very good in most cases some of these people; a positive amount of complexity is always the fault through your account may be on tap for this situation, which will be selected. Atlanta DUI attorney after yourself too soon, or to be supported by training. I myself, variable narrow result in the car to get a demo, get to swing, but the results do not put fear in the file show that it was only in contact those representatives. He just acquired the direction to get out of this mess myself, recognize that no doubt need. He said the interest of legal professionals and after this alignment, people need to adapt to the direction of finance check. Prison transfer, can not be happy with you for that matter, and so long as it is given that are not sold in their own thoughts, as if too large for the pocket, I Feeling reality. Thus, a number of cash to pay excessive torque just positive aspects to intervene. Control of blood or a chemical assessment, for example by dividing the right was a possibility of testing is a problem. The master is not active faults are largely beyond me, the situation in some aspects, and control independently acquired it ideal to slip that one device. All things trying our efforts to get a situation, which is a major factor in a lawyer blamed above address. In general, the choice of legal professional who is coming, and to get a good handle DUI to improve a lot to get there.

In a market where multiple offers are raising prices, Teri Toombs, Principal Broker at Living Room Realty, says she discourages people from overpaying for homes. But some can’t resist. Some people don’t want to continue renting. And they don’t care what that costs. An in-house poll led by Toombs’ colleague Alyssa Isenstein Krueger, Living Room found more than a few first-time buyers with cash to throw around. The Living Room agents that responded said that of 148 first-time buyers served in 2014, 42 percent came to the table with funds from friends and relatives to help grab whatever edge they could leverage. The sums ranged from up to $470,000. It’s not scientific, but it suggests a hard new reality in the market. For those without cash? Those that can’t overpay? “It’s torture. And I try my best to prepare them for what they’re in for and I see them starting to glaze over like, ‘Why is this lady saying all this? Why can’t we just start looking at houses? Why is she bringing us down like this?’” said Toombs. “With determination and being really diligent about it, they can get into a house. But they have to realize that they’re going to be moving into emerging neighborhoods.

Promised Land theology becomes an earthbound reality only to those who cash in their fear and complacency for the one ticket out of their long-inhabited wilderness.

Everything is on the Record, just waiting to be discovered: the whispered confession, the stolen kiss. This is not the goal of our good and golden systems; the goal is simply the maintenance of reality as it occurs, so that all can live together within the same sheltering truth, safe within the strong high walls of the Objectively So. We may keep secrets from one another, but not from the Record, and if life is therefore made more difficult for the adulterer or the petty-cash-box pilferer, for the student with his eye on his deskmate’s paper or the worker who clocks in late, surely that’s a price worth paying—or even, looked at differently, not a price at all, but a benefice. A gift we are given by the ever-presence of truth.

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.

You must bring out of each word its practical cash-value, set it at work within the stream of your experience. It appears less a solution, then, than as a program for more work and more particularly as an indication of the ways in which existing realities may be changed. Theories thus become instruments, not answers to enigmas, in which we can rest. We don't lie back upon them, we move forward, and, on occasion, make nature over again by their aid.

Although my aunts and uncles will think otherwise, I’m not writing this book to cash in or out of a desire for revenge. If either of those had been my intention, I would have written a book about our family years ago, when there was no way to anticipate that Donald would trade on his reputation as a serially bankrupt businessman and irrelevant reality show host to ascend to the White House; when it would have been safer because my uncle wasn’t in a position to threaten and endanger whistleblowers and critics. The events of the last three years, however, have forced my hand, and I can no longer remain silent. By the time

Although my aunts and uncles will think otherwise, I’m not writing this book to cash in or out of a desire for revenge. If either of those had been my intention, I would have written a book about our family years ago, when there was no way to anticipate that Donald would trade on his reputation as a serially bankrupt businessman and irrelevant reality show host to ascend to the White House; when it would have been safer because my uncle wasn’t in a position to threaten and endanger whistleblowers and critics. The events of the last three years, however, have forced my hand, and I can no longer remain silent. By the time this book is published, hundreds of thousands of American lives will have been sacrificed on the altar of Donald’s hubris and willful ignorance. If he is afforded a second term, it would be the end of American democracy.

Just because we want to think clearly, that doesn’t mean we can escape the methodological demands of Christian virtue. To cash these out: it requires humility, to understand the thoughts of people who thought differently from ourselves; patience, to go on working with the data and resist premature conclusions; penitence, to acknowledge that our traditions may have distorted original meanings and that we have preferred the distortions to the originals; and love, in that genuine history, like all genuine knowledge, involves the delighted affirmation of realities and events outside ourselves, and thoughts different from our own.

As your cash flow grows, you can indulge in some luxuries. An important distinction is that rich people buy luxuries last, while the poor and middle class tend to buy luxuries first. The poor and the middle class often buy luxury items like big houses, diamonds, furs, jewelry, or boats because they want to look rich. They look rich, but in reality they just get deeper in debt on credit. The old-money people, the long-term rich, build their asset column first. Then the income generated from the asset column buys their luxuries. The poor and middle class buy luxuries with their own sweat, blood, and children’s inheritance

Astute readers may have noticed that Dow Jones’s working capital model was implemented, in reality, by asking subscribers to pay up front. That’s a revenue model issue, too, isn’t it? Right you are. Costco’s working capital model was driven largely by membership fees paid up front—a revenue model issue—that in turn enabled it to adopt a gross margin model with low, low prices and razor-thin gross margins. So why do we see these cases as working capital stories? We’ve placed the Dow Jones and Costco cases in the working capital chapter because their working capital models lie at the heart of their long-running success. In their essence, working capital models are about the timing with which cash flows into and out of the business. In most industries, that means the timing with which customers pay, the timing with which suppliers are paid, and the timing or speed with which inventory (or piles of other current assets) can be turned over and over again.

In reality, long-term travel has nothing to do with demographics—age, ideology, income—and everything to do with personal outlook. Long-term travel isn’t about being a college student—it’s about being a student of daily life. Long-term travel isn’t an act of rebellion against society—it’s an act of common sense within society. Long-term travel doesn’t require a massive “bundle of cash”; it requires only that we walk through the world in a more deliberate way.

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This figure shows the cash flows in a world with only two people. I labeled them creditor and debtor. In reality, there are many creditors and debtors (see text for details). It also explains why the "rich get richer" and why those who are in debt and work for a living never seem to "get ahead.

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

Costs In Maintaining The Primary Amenity, The Golf Course – Fred Layman Fred Layman, aka “The Club Doctor” is a veteran golf course and clubs in transition operations director/consultant. In a series of blogs, he will be speaking about “Keeping your club successful by Giving the Full 360 Degree Experience.” Costs in Maintaining the Primary Amenity, The Golf Course As a multi-sports and golf club consultant, I am often asked, “How much a club should budget to maintain its golf course?”This seems like a never-ending Board of Directors/Owners concern, and that’s understandable. The golf course will consume a significant portion of the cash required to run a club and it is also one of the most visible and member-impacting amenities, so a high level of focus in allowed. Since I began working in the club industry in 1994, I have had the opportunity to interact with leaders of clubs across the country. Typically, the discussions I hear about course maintenance budgets involve benchmarks such as cost per hole or cost per member and a variety of specific characteristics ranging from type of grass to geographic location. To understand the way in which these factors might be used determine how much money a club spends on course maintenance, you can undertake extensive analysis of club industry data. That data reveals that while traditional benchmarks (cost per hole, cost per acre, cost per member, type of grass or geographic location) may represent the actual spending of an individual club, the simple fact that the club up the road is spending more on their course than you are is not enough to justify a decision to beef up the budget. So, how much should you be spending? Contrary to conventional wisdom, industry leaders and myresearch clearly shows that the answer is ultimately not determined by some combination of physical characteristics. The reality is the clubs spend what they can afford. Before you dismiss this idea as random or arbitrary, consider this: The amount a club can afford to spend is eminently quantifiable and can be easily and accurately benchmarked. The proportionality of spending in clubs is highly consistent and represents the foundation of the common club business model. The business model of clubs, defines these proportions as the benchmark. So roughly one-third of a club’s gross profit (don’t think net) is the affordability at the average club. Bottomline: Next time you’re in one of these discussions, remember that your club, like all clubs, is subject to the common industry business model and your budget is driven by your gross profit.

As your cash flow grows, you can indulge in some luxuries. An important distinction is that rich people buy luxuries last, while the poor and middle class tend to buy luxuries first. The poor and the middle class often buy luxury items like big houses, diamonds, furs, jewelry, or boats because they want to look rich. They look rich, but in reality they just get deeper in debt on credit. The old-money people, the long-term rich, build their asset column first. Then the income generated from the asset column buys their luxuries. The poor and middle class buy luxuries with their own sweat, blood, and children’s inheritance.

Customers or shoppers, they love buying as much as they want without thinking about going out of cash. The thought of scarcity of funds annoys them to the core and often spoils their made to a point where they no longer are interested in making the purchase. Though this doesn’t harm them in anyway because they can buy the needed product/service later but this changed attitude of them costs high to the business that loses a valuable customer and an important sale. Credit Card Processing: Never Lose Upon A Consumer If you are limited to the traditional era of accepting cash, the above explained scenario can become a reality for you if not today then tomorrow. However, to stay away from this disappointment, credit card processing can be used to the fullest extent. As shoppers are interested in paying via credit card, a business can entice them by accepting card payment. Talking exclusively about the small businesses that are particular about everything, pulling impressive customers through credit card processing for small business totally makes sense. Not only it appeals to the needs of the customers but also lets the business stay active 24/7. In other words, sales remain on without any break and revenue can be generated even when official business hours are closed. Benefits To Catch Up With • Boost in sales • Encouraging customers for impulse buying • Legitimizing the business • Improvement in cash flow • No risk of dealing with bad checks • Inexpensive business expense • Getting started is quick & easy • Multiple currencies can be accepted • Needs of customers can be catered no matter where they are located These advantages are seriously wonderful to take a small business forward and give it the needed recognition on global level. Accepting cash payment is soon going to become thing of the past as credit card processing and mobile payment processing are the new mates businesses are interested in joining hands with. Hence, start with these services before your customers find comfort in arms of your competitor’s business.

The hope is that, by a circuitous route, these values will become – even if only a little – more powerful in reality. In the ideal scenario, they will radiate out from the gallery and shape the way we lead our lives. Yet the money that paid for them may have been accumulated under a very different vision of life: workers were paid the least possible amounts; only the responsibilities enforced by law were embraced; governments were lobbied to reduce consumer and environmental protection; quality was reduced as low as the market would allow; debts were paid slowly but creditors were hounded. Oddly, in their business, the artistic philanthropist had the opportunity to make real – on a large scale – the qualities they subsequently sought to honour in their gifts. Yet very often they did not. It would be better to repatriate the ambition and for the capitalists to be themselves the agents of the virtues they admire in the arts. The cost (in terms of cash) might be approximately the same. Their businesses might be a little less profitable year by year and they might not feel they had enough left over to lavish on the arts. But it would be no loss, for instead of hanging reticently on a wall, those values so ably captured in art – of friendship, love, wisdom and beauty – would be enacted day to day in the boardroom and the canteen, the distribution centre and the factory – in other words, in the vastly more consequential realm of commerce itself.

Metaphysics has usually followed a very primitive kind of quest. You know how men have always hankered after unlawful magic, and you know what a great part, in magic, WORDS have always played. If you have his name, or the formula of incantation that binds him, you can control the spirit, genie, afrite, or whatever the power may be. Solomon knew the names of all the spirits, and having their names, he held them subject to his will. So the universe has always appeared to the natural mind as a kind of enigma, of which the key must be sought in the shape of some illuminating or power-bringing word or name. That word names the universe's PRINCIPLE, and to possess it is, after a fashion, to possess the universe itself. 'God,' 'Matter,' 'Reason,' 'the Absolute,' 'Energy,' are so many solving names. You can rest when you have them. You are at the end of your metaphysical quest. But if you follow the pragmatic method, you cannot look on any such word as closing your quest. You must bring out of each word its practical cash-value, set it at work within the stream of your experience. It appears less as a solution, then, than as a program for more work, and more particularly as an indication of the ways in which existing realities may be CHANGED. THEORIES THUS BECOME INSTRUMENTS, NOT ANSWERS TO ENIGMAS, IN WHICH WE CAN REST. We don't lie back upon them, we move forward, and, on occasion, make nature over again by their aid. Pragmatism unstiffens all our theories, limbers them up and sets each one at work. Being nothing essentially new, it harmonizes with many ancient philosophic tendencies. It agrees with nominalism for instance, in always appealing to particulars; with utilitarianism in emphasizing practical aspects; with positivism in its disdain for verbal solutions, useless questions, and metaphysical abstractions. All these, you see, are ANTI-INTELLECTUALIST tendencies. Against rationalism as a pretension and a method, pragmatism is fully armed and militant. But, at the outset, at least, it stands for no particular results. It has no dogmas, and no doctrines save its method. As the young Italian pragmatist Papini has well said, it lies in the midst of our theories, like a corridor in a hotel. Innumerable chambers open out of it. In one you may find a man writing an atheistic volume; in the next someone on his knees praying for faith and strength; in a third a chemist investigating a body's properties. In a fourth a system of idealistic metaphysics is being excogitated; in a fifth the impossibility of metaphysics is being shown. But they all own the corridor, and all must pass through it if they want a practicable way of getting into or out of their respective rooms. No particular results then, so far, but only an attitude of orientation, is what the pragmatic method means. THE ATTITUDE OF LOOKING AWAY FROM FIRST THINGS, PRINCIPLES, 'CATEGORIES,' SUPPOSED NECESSITIES; AND OF LOOKING TOWARDS LAST THINGS, FRUITS, CONSEQUENCES, FACTS.

Smugglers are always going to be flush with cash as soon as they find a buyer for the eight cartons of fountain pen cartridges that write in illegal shades of green, but they never have money today. You should, if you are going to run a smugglers' hotel, get a big account book and assume that whatever you write in it, the reality is, you're going to get paid in fountain pen cartridges. If you're lucky. You could just as easily get paid with something even more useless.

Combined with the self-reinforcing nature of online communities and a content-starved, cash-poor journalistic culture that gravitates towards neat narratives at the expense of messy truths, this disdain for actualities has led to a world with increasingly porous boundaries between facts and beliefs, a world in which individualized notions of reality, no matter how bizarre or irrational, are repeatedly validated.

At 50, people are still looking for a stockbroker to work a miracle for them, but at 60 they start looking for an advisor to help them negotiate a truce with reality. Regardless of when people are actually planning to retire, 60 is psychologically the beginning of the end of the accumulation period in their lives, and the beginning of the beginning of the distribution phase.... Variable annuitization offers genuine hope to people who (a) need to live on more than six percent of their capital, (b) need their income to grow in some relation to equity returns, which have historically been more than three times the inflation rate, and (c) at the very, very least, need to be assured that some income will continue for their entire lives. Variable annuitization is the only chance these people have. ...If Americans understood how the capital markets actually work, most folks would choose variable universal life insurance over variable life and whole life as the cheapest form of permanent insurance they could buy for the long run. That's simply because the insurance cost of an insurance policy is a pure function of how much of its own money the insurance company has exposed. Since the policyholder's own cash value builds up most significantly over time - and therefore the insurance company's exposure falls further, faster - in variable universal policies than in other debt-based (or general account-based) contracts, the net premium dollars allocated to the purchase of the death benefit must be lower, at the end of the day. And the policyholder's equity must be commensurately greater.

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