Cds Market Quotes

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OPTIONS FOR REDUCING While thrift stores such as Goodwill or the Salvation Army can be a convenient way to initially let go, many other outlets exist and are often more appropriate for usable items. Here are some examples: • • Antiques shops • Auction houses • Churches • Consignment shops (quality items) • (large items, moving boxes, free items) • Crossroads Trading Co. (trendy clothes) • (home improvement) • Dress for Success (workplace attire) • (small items of value) • Flea markets • Food banks (food) • (free items) • Friends • Garage and yard sales • Habitat for Humanity (building materials, furniture, and/or appliances) • Homeless and women’s shelters • Laundromats (magazines and laundry supplies) • Library (books, CDs and DVDs) • Local SPCA (towels and sheets) • Nurseries and preschools (blankets, toys) • Operation Christmas Child (new items in a shoe box) • Optometrists (eyeglasses) • Regifting • Rummage sales for a cause • Salvage yards (building materials) • Schools (art supplies, magazines, dishes to eliminate class party disposables) • Tool co-ops (tools) • Waiting rooms (magazines) • Your curb with a “Free” sign
Bea Johnson (Zero Waste Home: The Ultimate Guide to Simplifying Your Life by Reducing Your Waste)
The ARM, Adjustable Rate Mortgage, was invented in the early 1980s. Prior to that, those of us in the real estate business sold fixed-rate 7 or 8 percent mortgages. What happened? I was there in the middle of that disaster of an economy when fixed-rate mortgages went as high as 17 percent and the real estate world froze. Lenders paid out 12 percent on CDs but had money loaned out at 7 percent on hundreds of millions of dollars in mortgages. They were losing money, and lenders don’t like to lose money. So the Adjustable Rate Mortgage was born, in which your interest rate goes up when the prevailing market interest rates go up. The ARM was born to transfer the risk of higher interest rates to you, the consumer. In the last several years, home mortgage rates have been at a thirty-year low. It is not wise to get something that adjusts when you are at the bottom of rates! The mythsayers always seem to want to add risk to your home, the one place you should want to make sure has stability. Balloon mortgages are even worse. Balloons pop, and it is always strange to me that the popping sound is so startling. Why don’t we expect it? It is in the very nature of balloons to pop. Wise financial people always move away from risk, and the balloon mortgage creates risk nightmares.
Dave Ramsey (The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness)
Usually, these services went something like this: an aggressive message on why going to hell would be like putting your face in the fire while listening to AC/DC, and that the solution to hell is to “ask Jesus into your heart.” In this paradigm, Jesus becomes the ticket out of a bad situation, and all that’s required to get your free pass is to “repeat this simple prayer after me.” And, poof…you’re “saved” and now a fully vetted Jesus follower. American Christianity has been poorly marketing Jesus in this way for years. The deep, mysterious, and beautifully difficult message of Jesus becomes diluted to the point that we sing, “I have decided to follow Jesus” or “All to Jesus I Surrender” as we make our way up the aisle—thinking that following Jesus is actually that simple. What’s worse is that often our motivation for “asking Jesus into our hearts” is that we’re petrified of the myriad of ways that Jesus will have us tortured for eternity if we don’t properly pray the “sinner’s prayer” to show him that we love him back. From that night forward, we’re supposed to faithfully attend a “Bible-believing church” and destroy our Guns n’ Roses CDs in order to show that we actually meant it when we prayed it. In American Christianity, we’re often sold this bill of goods that makes following Jesus look relatively easy…as if it were a singular event instead of a radical new lifestyle. Said the magic prayer? Check. Willing to go to church? Check. Going to work really hard to cut back on how much I use the “F word”? Check. The rewards of following this simple, relatively easy checklist of what it means to follow Jesus supposedly has a huge payout. Not only do we get to claim our “get out of hell free” card, but
Benjamin L. Corey (Undiluted: Rediscovering the Radical Message of Jesus)
We've been here three days already, and I've yet to cook a single meal. The night we arrived, my dad ordered Chinese takeout from the old Cantonese restaurant around the corner, where they still serve the best egg foo yung, light and fluffy and swimming in rich, brown gravy. Then there had been Mineo's pizza and corned beef sandwiches from the kosher deli on Murray, all my childhood favorites. But last night I'd fallen asleep reading Arthur Schwartz's Naples at Table and had dreamed of pizza rustica, so when I awoke early on Saturday morning with a powerful craving for Italian peasant food, I decided to go shopping. Besides, I don't ever really feel at home anywhere until I've cooked a meal. The Strip is down by the Allegheny River, a five- or six-block stretch filled with produce markets, old-fashioned butcher shops, fishmongers, cheese shops, flower stalls, and a shop that sells coffee that's been roasted on the premises. It used to be, and perhaps still is, where chefs pick up their produce and order cheeses, meats, and fish. The side streets and alleys are littered with moldering vegetables, fruits, and discarded lettuce leaves, and the smell in places is vaguely unpleasant. There are lots of beautiful, old warehouse buildings, brick with lovely arched windows, some of which are now, to my surprise, being converted into trendy loft apartments. If you're a restaurateur you get here early, four or five in the morning. Around seven or eight o'clock, home cooks, tourists, and various passers-through begin to clog the Strip, aggressively vying for the precious few available parking spaces, not to mention tables at Pamela's, a retro diner that serves the best hotcakes in Pittsburgh. On weekends, street vendors crowd the sidewalks, selling beaded necklaces, used CDs, bandanas in exotic colors, cheap, plastic running shoes, and Steelers paraphernalia by the ton. It's a loud, jostling, carnivalesque experience and one of the best things about Pittsburgh. There's even a bakery called Bruno's that sells only biscotti- at least fifteen different varieties daily. Bruno used to be an accountant until he retired from Mellon Bank at the age of sixty-five to bake biscotti full-time. There's a little hand-scrawled sign in the front of window that says, GET IN HERE! You can't pass it without smiling. It's a little after eight when Chloe and I finish up at the Pennsylvania Macaroni Company where, in addition to the prosciutto, soppressata, both hot and sweet sausages, fresh ricotta, mozzarella, and imported Parmigiano Reggiano, all essential ingredients for pizza rustica, I've also picked up a couple of cans of San Marzano tomatoes, which I happily note are thirty-nine cents cheaper here than in New York.
Meredith Mileti (Aftertaste: A Novel in Five Courses)
decade was over For Dummies books had been published in over 30 languages, from Albanian to Turkish. In the early years, many publishers questioned whether the series would work in their language market. The answer today is a global phenomenon. Our reach also expanded beyond books. In 1996 a license agreement with EMI brought Classical Music For Dummies enhanced CDs to market. Critically and commercially successful, the series initiated the For Dummies licensing program of products and services that has included software, consumer electronics, instructional DVDs, DIY home improvement kits, online support services, beginner musical instruments, and more. Today, as books themselves have reached beyond traditional print formats to digital platforms, For Dummies continues to expand, into e-books, enhanced e-books, and mobile applications. And again, this too is happening globally, as Wiley editors in Australia, Canada, Germany, the U.K., and U.S. work together to grow our print and electronic publishing program, which is further enhanced by contributions from licensee publishers in France, the Netherlands, Spain, and elsewhere. It is remarkable to think that one book
John Wiley & Sons (A Little Bit of Everything For Dummies)
The key principal is that it is only possible to have fixed interest payments if the current market price fluctuates (e.g., bond funds), and that it is only possible to have fixed share price if the current interest rate moves with the market (e.g., money market funds).
Rick Van Ness (Why Bother With Bonds: A Guide To Build All-Weather Portfolio Including CDs, Bonds, and Bond Funds--Even During Low Interest Rates (How To Achieve Financial Independence))
I suggest a Money Market account with no penalties and full check-writing privileges for your emergency fund. We have a large emergency fund for our household in a mutual-fund company Money Market account. Wherever you get your mutual funds, look at the website to find Money Market accounts that pay interest equal to one-year CDs. I haven’t found bank Money Market accounts to be competitive. The FDIC does not insure the mutual-fund Money Market accounts, but I keep mine there anyway because I’ve never known one to fail. Keep in mind that the interest earned is not the main thing. The main thing is that the money is available to cover emergencies. Your wealth building is not going to happen in this account; that will come later, in other places. This account is more like insurance against rainy days than it is investing.
Dave Ramsey (The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness)
Once you create and dominate a niche market, then you should gradually expand into related and slightly broader markets. Amazon shows how it can be done. Jeff Bezos’s founding vision was to dominate all of online retail, but he very deliberately started with books. There were millions of books to catalog, but they all had roughly the same shape, they were easy to ship, and some of the most rarely sold books—those least profitable for any retail store to keep in stock—also drew the most enthusiastic customers. Amazon became the dominant solution for anyone located far from a bookstore or seeking something unusual. Amazon then had two options: expand the number of people who read books, or expand to adjacent markets. They chose the latter, starting with the most similar markets: CDs, videos, and software. Amazon continued to add categories gradually until it had become the world’s general store. The name itself brilliantly encapsulated the company’s scaling strategy.
Peter Thiel (Zero to One: Notes on Startups, or How to Build the Future)
But history tells us that, in the early stage of their development, virtually all successful countries used some mixture of protection, subsidies and regulation in order to develop their economies. The history of the successful developing countries that I discussed in chapter 1 shows that. Furthermore, the history of today's rich countries also confirms it, as I have discussed in this chapter. Unfortunately, another lesson of history is that rich countries have 'kicked away the ladder' by forcing free-market, free-trade policies on poor countries. Already established countries do not want more competitors emerging through the nationalistic policies they themselves succesfully used in the past. Even the newest member of the club of rich countries, my native Korea, has not been an exception to this pattern. Despite once having been one of the most protectionist countries in the world, it now advocates steep cuts in industrial tariffs, if not total free trade, in the WTO. Despite once having been the world piracy capital, it gets upset that the Chinese and the Vietnamese are producing pirate CDs of Korean pop music and pirate DVDs of Korean movies. Worse, these Korean free-marketeers are often the same people who, not so long ago, actually drafted and implemented interventionist, protectionist policies in their earlier jobs. Most of them probably learned their free market economics from pirate-copied rock and roll music and watching pirate-copied videos of Hollywood films in their spare time.
Ha-Joon Chang (Bad Samaritans: The Myth of Free Trade and the Secret History of Capitalism)
Continuous Deficiency Syndrome. In short, we’re always aware that we could have more. This part curse, part blessing comes with the territory of being human and has inspired technological breakthroughs and other societal advances over the centuries. In a sense, our consumer society owes its very existence to its flair for fueling discontentment and an unquenchable appetite for more stuff. We are bombarded with thousands of marketing images every day reminding us that      We could be richer.      Our spouse could be even better.      We could be thinner.      Our breath could be fresher.      Our whites could be whiter.      Our carpets could be cleaner.      Our children could be smarter, more popular, or more athletic. CDS can dominate our attitudes unless we consciously counteract it with gratitude. The more we seek to become satisfied as consumers, the emptier we can become as human beings. That’s because ingratitude leaves us in a state of deprivation in which we are constantly pursuing something else. Gratitude, on the other hand, makes us feel that we have enough.
Tommy Newberry (40 Days to a Joy-Filled Life: Living the 4:8 Principle)
Although in 2005 compact discs still represented over 98 percent of the market for legal album sales, Morris had no loyalty to the format. In May of that year, Vivendi Universal announced it was spinning off its CD manufacturing and distribution business into a calcified corporate shell called the Entertainment Distribution Company. Included in EDC’s assets were several massive warehouses and two large-scale compact disc manufacturing plants: one in Hanover, Germany, and one in Kings Mountain, North Carolina. Universal would still manufacture all its CDs at the plants, but now this would be an arms-length transaction that allowed them to watch the superannuation of optical media from a comfortable distance. It was one of the oldest moves in the corporate finance playbook: divest yourself of underperforming assets while holding on to the good stuff. EDC was a classic “stub company,” a dogshit collection of low-growth, capital-intensive factory equipment that was rapidly going obsolete. In other words, EDC was a drag on A that added little to B. Let the investment bankers figure out who wanted it—Universal had gone digital, and the death rattle of the compact disc had grown loud enough for even Doug Morris to hear. The CD was the past; the iPod was the future. People loved these stupid things. You could hardly go outside without getting run over by some dumb jogger rocking white headphones and a clip-on Shuffle. Apple stores were generating more sales per square foot than any business in the history of retail. The wrapped-up box with a sleek wafer-sized Nano inside was the most popular gift in the history of Christmas. Apple had created the most ubiquitous gadget in the history of stuff.
Stephen Witt (How Music Got Free: The End of an Industry, the Turn of the Century, and the Patient Zero of Piracy)
FMPs usually invest in certificate of deposits (CDs), commercial papers (CPs), money market instruments, corporate bonds and sometimes even in bank fixed deposits. Sometimes
Jigar Patel (NRI Investments and Taxation: A Small Guide for Big Gains)