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We can't take any credit for our talents. It's how we use them that counts.

Modern leftish philosophers tend to dismiss reason, science, objective reality and to insist that everything is culturally relative. More importantly, the leftist hates science and rationality because they classify certain beliefs as true (i.e., successful, superior) and other beliefs as false (i.e., failed, inferior). The leftist’s feelings of inferiority run so deep that he cannot tolerate any classification of some things as successful or superior and other things as failed or inferior. This also underlies the rejection by many leftists of the concept of mental illness and of the utility of IQ tests. Leftists are antagonistic to genetic explanations of human abilities or behavior because such explanations tend to make some persons appear superior or inferior to others. Leftists prefer to give society the credit or blame for an individual’s ability or lack of it. Thus if a person is “inferior” it is not his fault, but society’s, because he has not been brought up properly.

My experience is that money and transactions purify relations; ideas and abstract matters like "recognition" and "credit" warp them, creating an atmosphere of perpetual rivalry.

Genetics, not lack of willpower, is the major reason why people differ in BMI. Success and failure, credit and blame, in overcoming problems should be calibrated relative to genetic strengths and weaknesses.

As to the ancient historians, from Herodotus to Tacitus, we credit them as far as they relate things probable and credible, and no further: for if we do, we must believe the two miracles which Tacitus relates were performed by Vespasian, that of curing a lame man, and a blind man, in just the same manner as the same things are told of Jesus Christ by his historians. We must also believe the miracles cited by Josephus, that of the sea of Pamphilia opening to let Alexander and his army pass, as is related of the Red Sea in Exodus. These miracles are quite as well authenticated as the Bible miracles, and yet we do not believe them; consequently the degree of evidence necessary to establish our belief of things naturally incredible, whether in the Bible or elsewhere, is far greater than that which obtains our belief to natural and probable things.

They also knew something else the credit company investigators had never discovered. There was a darker side to Jay Sebring’s nature that surfaced during numerous interviews conducted by the police. As noted in the official report: “He was considered a ladies’ man and took numerous women to his residence in the Hollywood hills. He would tie the women up with a small sash cord and, if they agreed, would whip them, after which they would have sexual relations.

The greatest threat to a robust, autonomous civil society is the ever-growing Leviathan state and those like Obama who see it as the ultimate expression of the collective. Obama compounds the fallacy by declaring the state to be the font of entrepreneurial success. How so? It created the infrastructure - roads, bridges, schools, Internet - off which we all thrive. Absurd. We don't credit the Swiss postal service with the Special Theory of Relativity because it transmitted Einstein's manuscript to the Annalen der Physik.

I don't blame you one iota for feeling as you do. If I were you I would undoubtedly feel just as you do."(...) You can say that and be 100 percent sincere, because if you were the other person you, of course, would feel just as he does (...) Suppose you had inherited the same body and temperament and mind (...) Suppose you had had his environment and experiences. You would then be precisely what he was - and where he was. For it is those things -and only those things - that made him what he was. (...) You deserve very little credit for being what you are - and remember, the people who come to you irritated, bigoted, unreasoning, deserve very little discredit for being what they are.

You only ever have three things: 1) your self, wellbeing and mindset 2) Your life network, resources and resourcefulness 3) Your reputation and goodwill. Treasure and tend the first. Value, support and build the second. And mindfully, wisely ensure that the third (your life current and savings account) is always in credit.

The Hell's Angels are very definitely a lower-class phenomenon, but their backgrounds are not necessarily poverty-stricken. Despite some grim moments, their parents seem to have had credit. Most of the outlaws are the sons of people who came to California either just before or during World War II. Many have lost contact with their families, and I have never met an Angel who claimed to have a hometown in any sense that people who use that term might understand it. Terry the Tramp, for instance, is "from" Detroit, Norfolk, Long Island, Los Angeles, Fresno and Sacramento. As a child, he lived all over the country, not in poverty but in total mobility. Like most of the others, he has no roots. He relates entirely to the present, the moment, the action.

Most economists are accustomed to treating companies as idyllic places where everyone is devoted to a common goal: making as much money as possible. In the real world, that’s not how things work at all. Companies aren’t big happy families where everyone plays together nicely. Rather, most workplaces are made up of fiefdoms where executives compete for power and credit, often in hidden skirmishes that make their own performances appear superior and their rivals’ seem worse. Divisions compete for resources and sabotage each other to steal glory. Bosses pit their subordinates against one another so that no one can mount a coup. Companies aren’t families. They’re battlefields in a civil war. Yet despite this capacity for internecine warfare, most companies roll along relatively peacefully, year after year, because they have routines – habits – that create truces that allow everyone to set aside their rivalries long enough to get a day’s work done.

Her [Mrs Croft's] manners were open, easy, and decided, like one who had no distrust of herself, and no doubts of what to do; without any approach to coarseness, however, or any want of good humour. Anne gave her credit, indeed, for feelings of great consideration towards herself, in all that related to Kellynch; and it pleased her.

Humanism is my Religion, Good is my adoption , Bad is my Elimination, Acceptance is my Decision, Love is My Gift , Relation is my Affection ,Truth is My Strength, Help Is My Credit , Knowledge is My Treasure

Each time someone with a particular stigma makes a spectacle of himself by breaking a law, winning a prize, or becoming a first of his kind, a local community may take gossipy note of this; these events can even make news in the mass media of the wider society. In any case, they who share the noted person's stigma suddenly become accessible to the normals immediately around and become subject to a slight transfer of credit or discredit to themselves. Their situation thus leads them easily into living in a world of publicized heroes and villains of their own stripe, their relation to this world being underlined by immediate associates, both normal and otherwise, who bring them news about how one of their kind has faired.

My only regret,” he gently tugged me back toward him, “would be leaving this world before naming you as my wife. If I die tomorrow, at least I’ll have that to my credit.” Wrapping his arms around my waist, he vowed, “You don’t have to be queen…but you will not fall into obscurity on a foreign world. You will bear the Omuran name, and I have to believe that will protect you.” He brought his forehead to rest against mine, adding sorrowfully, “I have to believe that our family line wasn’t meant to end with this.

The trick to realize that the boys who talk so much about being rejected that it seems like the’re proud of it aren’t necessarily sweeter or more sensitive than the Bababooey-spouting frat bullies who line up at clubs like SkyBar to run game on girls they want to date rape. There are plenty of nerds who fear women and aren’t sensitive, despite their marketing; they just dislike women in a new, exciting way. Timid racists aren’t sensitive because they lock their car doors when they see a black person on the street. They’re just too scared to get out of the car and shout the “N” word. Fear can be the result of admiration, or it can be a symptom of contempt. When I see squeamish guys passing over qualified women when they’re hiring for a job, or becoming tongue tied when a girl crashes their all-boy conversation at a party, I don’t give them credit for being awestruck. They’re reacting to the intimidating female as an intruder, an alien, and somebody they can’t relate to. It’s not a compliment to be made invisible.

The humanitarian philosophies that have been developed (sometimes under some religious banner and invariably in the face of religious opposition) are human inventions, as the name implies - and our species deserves the credit. I am a devout atheist - nothing else makes any sense to me and I must admit to being bewildered by those, who in the face of what appears so obvious, still believe in a mystical creator. However I can see that the promise of infinite immortality is a more palatable proposition than the absolute certainty of finite mortality which those of us who are subject to free thought (as opposed to free will) have to look forward to and many may not have the strength of character to accept it. Thus I am a supporter of Amnesty International, a humanist and an atheist. I believe in a secular, democratic society in which women and men have total equality, and individuals can pursue their lives as they wish, free of constraints - religious or otherwise. I feel that the difficult ethical and social problems which invariably arise must be solved, as best they can, by discussion and am opposed to the crude simplistic application of dogmatic rules invented in past millennia and ascribed to a plethora of mystical creators - or the latest invention; a single creator masquerading under a plethora of pseudonyms. Organisations which seek political influence by co-ordinated effort disturb me and thus I believe religious and related pressure groups which operate in this way are acting antidemocratically and should play no part in politics. I also have problems with those who preach racist and related ideologies which seem almost indistinguishable from nationalism, patriotism and religious conviction.

I published that theory [of speciational evolution] in a 1954 paper…and I clearly related it to paleontology. Darwin argued that the fossil record is very incomplete because some species fossilize better than others... I noted that you are never going to find evidence of a small local population that changed very rapidly in the fossil record... Gould was my course assistant at Harvard where I presented this theory again and again for three years. So he knew it thoroughly. So did Eldredge. In fact, in his 1971 paper Eldredge credited me with it. But that was lost over time.

Anwen uncrossed her arms, adjusted her skirt. She glanced from me to Watson. "If it's not an imposition," she said. "You can come too, Jamie. If you want." At that, I pinched his leg. "No!" he yelped. "No, go on. I, ah. Have a lecture." "Are you sure?" I ask him, sniffling. "I'm sure," he said, and reached out, very gently, to brush away a tear from my face. His dark eyes softened. He really was a better actor than I gave him credit for. "I'll see you later, pumpkin." As I led Anwen out to the street, I texted from my bag: Watson? Yes, pumpkin? New condition: you cease and desist all gourd-related nicknames. Done. But pinch me again, and I'll start calling you pickle. Do that, and I will find and them publish your diaries in a website with a vociferous comments section. Thought I was not a gourd, I was most definitely not a vinegar-soaked phallic object.

My experience is that money and transactions purify relations; ideas and abstract matters like “recognition” and “credit” warp them, creating an atmosphere of perpetual rivalry. I grew to find people greedy for credentials nauseating, repulsive, and untrustworthy.

It is no credit to the orthodox that they do not now believe all the absurdities that were believed 150 years ago. The gradual emasculation of the Christian doctrine has been effected in spite of the most vigorous resistance, and solely as the result of the onslaughts of free-thinkers.

We will say, then, that I am mad. I grant, at least, that there are two distinct conditions of my mental existence-the condition of a lucid reason, not to be disputed, and belonging to the memory of events forming the first epoch of my life-and a condition of shadow and doubt, appertaining to the present, and to the recollection of what constitutes the second great era of my being. Therefore, what I shall tell of the earlier period, believe; and to what I may relate of the later time, give only such credit as may seem due, or doubt it altogether, or, if doubt it ye cannot, then play unto its riddle the Oedipus.

Okay, obviously I didn't die or I wouldn't be able to relate this tender little narrative. Unless, of course, I'm a ghost, writing these words through an Ouija board. That would be pretty cool, but also incredibly time consuming, and the human I was channeling through would probably try to steal all the credit.

I wonder if there has been a book written on toes—the bottom parts of a body are just as important as the top parts. Each chapter would focus on one of the ten toes and each would inspire singular, existential commentary: the potential of our toes as leaders, the solidity of our little instruments, the dangers of relating size and value. It would be called The Toe Manifesto and people would be interested in reading it because, after all, it is the toe that goes forward first and foremost, and the toe that helps to tell us if our bodies are hot or cold—in other words, the toe experiences far more than we give it credit for.

From the very beginning of its history, the manifold social evils of capitalism have given rise to oppositional movements. The one I am concerned with in this book is cooperativism, specifically worker cooperativism. There are many other kinds of cooperatives, including those in the credit, agriculture, housing, insurance, health, and retail sectors of the economy. But worker cooperativism is potentially the most “oppositional” form, the most anti-capitalist, since it organizes production in anti-capitalist ways. Indeed, the relations of production that constitute worker cooperativism also define socialism in its most general sense: workers’ democratic control over production and, in some varieties, ownership of the means of production (whether such ownership is organized individually, by owning shares of equity, or collectively). As one common formulation states, in the worker co-op, labor has power over capital, or “labor hires capital.” In the conventional business, by contrast, capital has power over labor, i.e., “capital hires labor.” None of the other kinds of cooperativism directly rejects these capitalist power-relations, although some may signify an implicit undermining of capitalism insofar as the co-op exists not primarily for the sake of maximizing profit but for satisfying some social need.

Cassandra caught my quizzical look and shrugged. “Problems adjusting. You just missed the latest of the new souls. It would seem none of us are quite as good with people as you are.” That was an understatement. With any luck, Cassandra hadn’t caused any psychological scarring with her “Yeah, you’re dead, get over it” speech. She wasn’t a people person. Ordinarily, I greeted the new souls and took special care to deal with any “adjustment problems.” I enjoyed that part of my work. It was one of the few good deeds I could credit myself with. But as much as I’d love to tell myself otherwise, I wasn’t settling in the souls out of the goodness of my heart. Just lack of better alternatives. The other gods had difficulties relating to humans. But those difficulties were nothing compared to the problems the humans in my court had relating to each other. Souls lose something the longer they’re dead. They forget what it was like to worry, to be scared, to be human. Just yesterday, I’d caught Cassandra telling a frightened new soul I’d gone through a dark phase back when Dante passed through, but not to worry. I hadn’t gone off my meds for centuries. Fucking Dante.

There are four types of levers that policy makers can pull to bring debt and debt service levels down relative to the income and cash flow levels that are required to service them: Austerity (i.e., spending less) Debt defaults/restructurings The central bank “printing money” and making purchases (or providing guarantees) Transfers of money and credit from those who have more than they need to those who have less

These people lived insular, often deeply private lives focused on their work. Their voices were rarely heard, because they sought no audience. Their identities were constructed from things that couldn’t be bought in shops. They wore old clothes and only went shopping occasionally for essentials. They held “shop-bought” things in great contempt. They preferred cash to credit, and would mend anything that broke, piling up old things to use again someday, rather than throwing them away. They had hobbies and interests that cost nothing, turning their necessary tasks, like catching rats or foxes, into sport. Their friendships were built around their work, and the breeds of cattle and sheep they kept. They rarely took holidays or bought new cars. And it wasn’t all work—a lot of time was spent on farm-related activities that were communal and more relaxed, or in the simple enjoyment of wild things. My grandfather called this way of life “living quietly.

If we see anyone who renounces his rights in regard to worldly matters and forgives even strangers, not to speak of relations, we should think of him as a good man. If we desist from beating up a thief or any other felon, do nothing to get him punished but, after admonishing him and recovering from him the stolen article, let him go, we would be credited with humanity and our action would be regarded as an instance of non-violence; a contrary course would be looked upon as violence.

If all the exchange-ratios of the past were erased from human memory, the process of market-price-determination might certainly become more difficult, because everybody would have to construct a new scale of valuations for himself; but it would not become impossible. In fact, people the whole world over are engaged daily and hourly in the operation from which all prices result: the decision as to the relative significance enjoyed by specific quantities of goods as conditions for the satisfaction of wants.

Rolf Ekeus came round to my apartment one day and showed me the name of the Iraqi diplomat who had visited the little West African country of Niger: a statelet famous only for its production of yellowcake uranium. The name was Wissam Zahawi. He was the brother of my louche gay part-Kurdish friend, the by-now late Mazen. He was also, or had been at the time of his trip to Niger, Saddam Hussein's ambassador to the Vatican. I expressed incomprehension. What was an envoy to the Holy See doing in Niger? Obviously he was not taking a vacation. Rolf then explained two things to me. The first was that Wissam Zahawi had, when Rolf was at the United Nations, been one of Saddam Hussein's chief envoys for discussions on nuclear matters (this at a time when the Iraqis had functioning reactors). The second was that, during the period of sanctions that followed the Kuwait war, no Western European country had full diplomatic relations with Baghdad. TheVatican was the sole exception, so it was sent a very senior Iraqi envoy to act as a listening post. And this man, a specialist in nuclear matters, had made a discreet side trip to Niger. This was to suggest exactly what most right-thinking people were convinced was not the case: namely that British intelligence was on to something when it said that Saddam had not ceased seeking nuclear materials in Africa. I published a few columns on this, drawing at one point an angry email from Ambassador Zahawi that very satisfyingly blustered and bluffed on what he'd really been up to. I also received—this is what sometimes makes journalism worthwhile—a letter from a BBC correspondent named Gordon Correa who had been writing a book about A.Q. Khan. This was the Pakistani proprietor of the nuclear black market that had supplied fissile material to Libya, North Korea, very probably to Syria, and was open for business with any member of the 'rogue states' club. (Saddam's people, we already knew for sure, had been meeting North Korean missile salesmen in Damascus until just before the invasion, when Kim Jong Il's mercenary bargainers took fright and went home.) It turned out, said the highly interested Mr. Correa, that his man Khan had also been in Niger, and at about the same time that Zahawi had. The likelihood of the senior Iraqi diplomat in Europe and the senior Pakistani nuclear black-marketeer both choosing an off-season holiday in chic little uranium-rich Niger… well, you have to admit that it makes an affecting picture. But you must be ready to credit something as ridiculous as that if your touching belief is that Saddam Hussein was already 'contained,' and that Mr. Bush and Mr. Blair were acting on panic reports, fabricated in turn by self-interested provocateurs.

Every separate economic agent maintains a stock of money that corresponds to the extent and intensity with which he is able to express his demand for it in the market. If the objective exchange-value of all the stocks of money in the world could be instantaneously and in equal proportion increased or decreased, if all at once the money-prices of all goods and services could rise or fall uniformly, the relative wealth of individual economic agents would not be affected. Subsequent monetary calculation would be in larger or smaller figures; that is all.

My ten years of bank experience should be of interest to a rapidly growing bank like yours. In various capacities in bank operations with the Bankers Trust Company in New York, leading to my present assignment as Branch Manager, I have acquired skills in all phases of banking including depositor relations, credits, loans and administration. I will be relocating to Phoenix in May and I am sure I can contribute to your growth and profit. I will be in Phoenix the week of April 3 and would appreciate the opportunity to show you how I can help your bank meet its goals.

Never mind, Mrs. Hertzog, don’t worry about it. You don’t have the information I need.” Chelsea smirked at the woman and then pretended to salute her, a dismissal if Violet had ever seen one. To her credit, Mrs. Hertzog didn’t react to Chelsea’s lack of respect. Instead she issued a veiled warning: “All right, but if you change your mind, I’ll be right over there.” Chelsea’s eyes narrowed as she watched the librarian walk away. “Thanks a lot, Violet. Aren’t you supposed to have my back or something?” “For what? The big throw down? Were you planning to fight her? Besides, she likes me. Why should I get on her bad side just because you are?” “As long as you guys are still tight, right, Vi?” Chelsea drawled. “Seriously, though, I need to figure out a way to get Mike Russo to notice me.” “I’m pretty sure he’s noticed you.” “You know what I mean.” Chelsea huffed. “By the way, what’s up with the uptight lady and the hot dude at your car yesterday? And by ‘hot,’ I mean dark and dangerous, of course. Please tell me they’re some distant relatives come to tell you you’ve inherited a family fortune or something. I could use some good news.

Dear Sir: My ten years of bank experience should be of interest to a rapidly growing bank like yours. In various capacities in bank operations with the Bankers Trust Company in New York, leading to my present assignment as Branch Manager, I have acquired skills in all phases of banking including depositor relations, credits, loans and administration. I will be relocating to Phoenix in May and I am sure I can contribute to your growth and profit. I will be in Phoenix the week of April 3 and would appreciate the opportunity to show you how I can help your bank meet its goals. Sincerely, Barbara L. Anderson

Here are my simple rules for identifying market tops and bottoms: 1. Market tops are relatively easy to recognize. Buyers generally become overconfident and almost always believe “this time is different.” It’s usually not. 2. There’s always a surplus of relatively cheap debt capital to finance acquisitions and investments in a hot market. In some cases, lenders won’t even charge cash interest, and they often relax or suspend typical loan restrictions as well. Leverage levels escalate compared to historical averages, with borrowing sometimes reaching as high as ten times or more compared to equity. Buyers will start accepting overoptimistic accounting adjustments and financial forecasts to justify taking on high levels of debt. Unfortunately most of these forecasts tend not to materialize once the economy starts decelerating or declining. 3. Another indicator that a market is peaking is the number of people you know who start getting rich. The number of investors claiming outperformance grows with the market. Loose credit conditions and a rising tide can make it easy for individuals without any particular strategy or process to make money “accidentally.” But making money in strong markets can be short-lived. Smart investors perform well through a combination of self-discipline and sound risk assessment, even when market conditions reverse.

We have already examined one of the objections that have been brought against the Quantity Theory; the objection that it only holds good ceteris paribus. No more tenable as an objection against the determinateness of our conclusions is reference to the possibility that an additional quantity of money may be hoarded. This argument has played a prominent role in the history of monetary theory; it was one of the sharpest weapons in the armoury of the opponents of the Quantity Theory. Among the arguments of the opponents of the Currency Theory it immediately follows the proposition relating to the elasticity of cash-economizing methods of payment, to which it also bears a close relation as far as its content is concerned.

When jurists and business men assert that the depreciation of money has a very great influence on all kinds of debt relations, that it makes all kinds of business more difficult, or even impossible, that it invariably leads to consequences that nobody desires and that everybody feels to be unjust, we naturally agree with them. In a social order that is entirely founded on the use of money and in which all accounting is done in terms of money, the destruction of the monetary system means nothing less than the destruction of the basis of all exchange. Nevertheless, this evil cannot be counteracted by ad hoc laws designed to remove the burden of the depreciation from single persons, or groups of persons, or classes of the community,

Finally, once we start thinking of communism as a principle of morality rather than just a question of property ownership, it becomes clear that this sort of morality is almost always at play to some degree in any transaction—even commerce. If one is on sociable terms with someone, it’s hard to completely ignore their situation. Merchants often reduce prices for the needy. This is one of the main reasons why shopkeepers in poor neighborhoods are almost never of the same ethnic group as their customers; it would be almost impossible for a merchant who grew up in the neighborhood to make money, as they would be under constant pressure to give financial breaks, or at least easy credit terms, to their impoverished relatives and school chums.

In the west the prevalent feeling is that nature belongs exclusively to inanimate things and to beasts, that there is a sudden unaccountable break where human-nature begins. According to it, everything that is low in the scale of beings is merely nature, and whatever has the stamp of perfection on it, intellectual or moral, is human-nature. It is like dividing the bud and the blossom into two separate categories, and putting their grace to the credit of two different and antithetical principles. But the Indian mind never has any hesitation in acknowledging its kinship with nature, its unbroken relation with all. The fundamental unity of creation was not simply a philosophical speculation for India; it was her life-object to realise this great harmony in feeling and in action. With mediation and service, with a regulation of life, she cultivated her consciousness in such a way that everything had a spiritual meaning to her. The earth, water and light, fruits and flowers, to her were not merely physical phenomena to be turned to use and then left aside. They were necessary to her in the attainment of her ideal of perfection, as every note is necessary to the completeness of the symphony. India intuitively felt that the essential fact of this world has a vital meaning for us; we have to be fully alive to it and establish a conscious relation with it, not merely impelled by scientific curiosity or greed of material advantage, but realising it in the spirit of sympathy, with a large feeling of joy and peace.

It is true that there are important differences between that money which plays the chief part in domestic trade, is the instrument of most exchanges, predominates in the dealings between consumers and sellers of consumption goods, and in loan transactions, and is recognized by the law as legal tender, and that money which is employed in relatively few transactions, is hardly ever used by consumers in their purchases, does not function as an instrument of loan operations, and is not legal tender. In popular opinion, the former money only is domestic money, the latter foreign money. Although we cannot accept this if we do not want to close the way to an understanding of the problem that occupies us, we must nevertheless emphasize that it has great significance in other connexions.

QuickBooks Tech Support +1-877-788-4840 QuickBooks is designed and developed by intuit. QuickBooks is a good customer service provider software. If you are a customer of QuickBooks and you want credit from QuickBooks then you can easily get your credit from QuickBooks. It is an online process. To complete this process firstly go to QuickBooks Software where you installed that software. But this facility provides only those customers who are the permanent or valuable customers of QuickBooks. Before doing this you need to know the difference between refund and credit. Choose the right option which you want to use QuickBooks Accounting Software. Refund is the process when the amount is returned to the customer account. But this refund has many terms and conditions. If your request is really legal or genuine. If these conditions are fulfilled then QuickBooks refunds you. But in a credit case when you want to reduce the amount from your actual amount. Terms and conditions also apply in this case. If you want more information regarding QuickBooks credit related. You can contact our highly proficient QuickBooks Help Professional. They give you a satisfied resolution. Our QuickBooks Helpline number is+1-877-788-4840. You can choose unlimited chat for one week trial membership, you can cancel this chat process any time. Here, we are discussing different QuickBooks Support tools that perform the different functionality i.e. working of each tool is different or separate from one another. These tools are provided to resolve certain types of common problems that are needed to be encountered.

The sensed irrelevance of what God is doing to what makes up our lives is the foundational flaw in the existence of multitudes of professing Christians today. They have been led to believe that God, for some unfathomable reason, just thinks it appropriate to transfer credit from Christ’s merit account to ours, and to wipe out our sin debt, upon inspecting our mind and finding that we believe a particular theory of the atonement to be true—even if we trust everything but God in all other matters that concern us. It is left unexplained how it is possible that one can rely on Christ for the next life without doing so for this one, trust him for one’s eternal destiny without trusting him for “the things that relate to Christian life.” Is this really possible? Surely it is not! Not within one life.

Catalina could not wait a minute longer. “Mother, the Blessed Virgin has appeared to me.” “Yes, dear?” Maria answered. “Clean the carrots for me, will you, and cut them up.” “But, Mother, listen. The Blessed Virgin appeared to me. She spoke to me.” “Don’t be silly, child. I saw you were asleep when I came in and I thought I’d let you sleep on. If you had a nice dream all the better. But now you’re awake you can help me to get the supper ready.” “But I wasn’t dreaming. It was before I went to sleep.” Then she related the extraordinary thing that had happened to her. Maria Perez had been good-looking in her youth, but now in middle age she had grown stout as do many Spanish women with advancing years. She had known a lot of trouble, two children she had had before Catalina had died, but she had accepted this, as well as her husband’s desertion, as a mortification sent to try her, for she was extremely pious; and being a practical woman, not accustomed to cry over spilt milk, had found solace in hard work, the offices of the Church, and the care of her daughter and of her wilful brother Domingo. She listened to Catalina’s story with dismay. It was so circumstantial, with such precise detail, that she would not have been unwilling to credit it if only it hadn’t been incredible. The only possible explanation was that the poor girl’s illness and the loss of her lover had turned her brain. She had been praying in the church and then had sat in the hot sun; it was only too probable that something had gone awry in her head and she had imagined the whole thing with such force that she was convinced of its reality.

It must be understood that a society’s dominant mode of material production, i.e., the “hegemonic” method of organizing the relations of material production (such as manufacturing and food production), conditions the overall character of the society more than any other of its features does. This is because the society is erected on the basis of material production; the first task for a society is to reproduce itself in its specific form, which presupposes the reproduction of a set of production relations. Social relations will tend to evolve that make possible the reproducing of the relations of production. In the spheres of economic distribution, of politics, of sexual relations, of intellectual production, and so on, social structures and ideologies will tend to predominate that are beneficial, “functionally selected” with respect to the dominant mode of production.5 Therefore, a movement that aims for fundamental transformations in society should not limit itself to the sphere of distribution, as do consumer co-ops, credit unions, and housing co-ops, nor the sphere of gender relations, as does the feminist movement, but should concentrate on changing the mode of production (with its correlative property relations), as does worker cooperativism. Such cooperativism on a societal scale, involving “a federation of free communities which shall be bound to one another by their common economic and social interests and shall arrange their affairs by mutual agreement and free contract,”6 is not only a more socially rational way of organizing production than capitalism but also a more intrinsically ethical way (even apart from its potential allocative efficiencies).

This is why today a country’s credit rating is far more important to its economic well-being than are its natural resources. Credit ratings indicate the probability that a country will pay its debts. In addition to purely economic data, they take into account political, social and even cultural factors. An oil-rich country cursed with a despotic government, endemic warfare and a corrupt judicial system will usually receive a low credit rating. As a result, it is likely to remain relatively poor since it will not be able to raise the necessary capital to make the most of its oil bounty. A country devoid of natural resources, but which enjoys peace, a fair judicial system and a free government is likely to receive a high credit rating. As such, it may be able to raise enough cheap capital to support a good education system and foster a flourishing high-tech industry.

Hey, that's weird," Chloe says. "You both have the same color eyes as Emma. I've never seen that before. I always thought it was because she's freakishly pasty. Ow! That's gonna leave a mark, Emma," she says, rubbing her freshly pinched biceps. "Good, I hope it does," I snap. I want to ask them about their eyes-the color seems prettier set against the olive tone of Galen's skin-but Chloe has bludgeoned my chances of recovering from embarrassment. I'll have to be satisfied that my dad-and Google-were wrong all this time; my eye color just can't be that rare. Sure, my dad practiced medicine until the day he died two years ago. And sure, Google never let me down before. But who am I to argue with living, breathing proof that this eye color actually does exist? Nobody, that's who. Which is convenient, since I don't want to talk anymore. Don't want to force Galen into any more awkward conversations. Don't want to give Chloe any more opportunities to deepen the heat of my burning cheeks. I just want this moment of my life to be over. I push past Chloe and snatch up the surfboard. To her good credit, she presses herself against the rail as I pass her again. I stop in front of Galen and his sister. "It was nice to meet you both. Sorry I ran into you. Let's go, Chloe." Galen looks like he wants to say something, but I turn away. He's been a good sport, but I'm not interested in discussing swimmer safety-or being introduced to any more of his hostile relatives. Nothing he can say will change the fact that DNA from my cheek is smeared on his chest. Trying not to actually march, I thrust past them and make my way down the stairs leading to the pristine white sand. I hear Chloe closing the distance behind me, giggling. And I decide on sunflowers for her funeral.

Although the 1996 welfare reform pushed millions of low-income single moms into the workforce, it did nothing to improve the conditions of low-wage jobs. In fact, if anything, economic theory (and plain old common sense) might support the opposite conclusion: although we can’t know for sure, it stands to reason that by moving millions of unskilled single mothers into the labor force starting in the mid-1990s, welfare reform and the expansion of the EITC and other refundable tax credits may have actually played a role in diminishing the quality of the average low-wage job in America. As unskilled single mothers flooded into the workforce at unprecedented rates, they greatly increased the pool of workers available to low-wage employers. When more people compete for the same jobs, wages usually fall relative to what they would have been otherwise. Employers can also demand more of their employees. What

According to the current view, the maintenance of sound monetary conditions is only possible with a 'credit balance of payments'. The confutation of this and related objections is implicit in the Quantity Theory and in Gresham's Law. The Quantity Theory shows that money can never permanently flow abroad from a country in which only metallic money is used (the 'purely metallic currency' of the Currency Principle). The tightness in the domestic market called forth by the efflux of part of the stock of money reduces the prices of commodities, and so restricts importation and encourages exportation, until there is once more enough money at home. The precious metals which perform the function of money are distributed among individuals, and consequently among separate countries, according to the extent and intensity of the demand of each for money. State intervention to assure to the community the necessary quantity of money by regulating its international nlovements is supererogatory.

Luther is credited with being among the first to clearly recognize the biblical teaching that justified Christians are both sinners and saints. He used the Latin expression, “simul iustus et peccator.” This is an essential part of the doctrine of justification because it relates to imputation. In imputation, Christ’s righteousness is credited to our accounts with God. In God’s sight, we become what we are not. We are sinners, but through Christ, we are accounted righteous. But even after justification, we still sin and we are still sinners. Not as far as our status with God goes, but as we live out our daily experience on this earth. This is important to note because later on in church history, the doctrine of justification comes under attack in Protestantism and it is revised heavily in an unbiblical direction. As a result, simul iustus et peccator also comes under attack. However, Luther saw that this was a crucial part of the biblical doctrine of justification. By God’s grace he recovered it for us.

I may add as a fourth reason, which diminishes the authority of prodigies, that there is no testimony for any, even those which have not been expressly detected, that is not opposed by an infinite number of witnesses; so that not only the miracle destroys the credit of testimony, but the testimony destroys itself. To make this the better understood, let us consider, that, in matters of religion, whatever is different is contrary; and that it is impossible the religions of ancient Rome, of Turkey, of Siam, and of China should, all of them, be established on any solid foundation. Every miracle, therefore, pretended to have been wrought in any of these religions (and all of them abound in miracles), as its direct scope is to establish the particular system to which it is attributed; so has it the same force, though more indirectly, to overthrow every other system. In destroying a rival system, it likewise destroys the credit of those miracles, on which that system was established; so that all the prodigies of different religions are to be regarded as contrary facts, and the evidences of these prodigies, whether weak or strong, as opposite to each other. According to this method of reasoning, when we believe any miracle of Mahomet or his successors, we have for our warrant the testimony of a few barbarous Arabians: And on the other hand, we are to regard the authority of Titus Livius, Plutarch, Tacitus, and, in short, of all the authors and witnesses, Grecian, Chinese, and Roman Catholic, who have related any miracle in their particular religion; I say, we are to regard their testimony in the same light as if they had mentioned that Mahometan miracle, and had in express terms contradicted it, with the same certainty as they have for the miracle they relate. This argument may appear over subtle and refined; but is not in reality different from the reasoning of a judge, who supposes, that the credit of two witnesses, maintaining a crime against any one, is destroyed by the testimony of two others, who affirm him to have been two hundred leagues distant, at the same instant when the crime is said to have been committed.

That they were false, the general had learnt from the very person who had suggested them, from Thorpe himself, whom he had chanced to meet again in town, and who, under the influence of exactly opposite feelings, irritated by Catherine’s refusal, and yet more by the failure of a very recent endeavour to accomplish a reconciliation between Morland and Isabella, convinced that they were separated forever, and spurning a friendship which could be no longer serviceable, hastened to contradict all that he had said before to the advantage of the Morlands—confessed himself to have been totally mistaken in his opinion of their circumstances and character, misled by the rhodomontade of his friend to believe his father a man of substance and credit, whereas the transactions of the two or three last weeks proved him to be neither; for after coming eagerly forward on the first overture of a marriage between the families, with the most liberal proposals, he had, on being brought to the point by the shrewdness of the relator, been constrained to acknowledge himself incapable of giving the young people even a decent support. They

In 2008, an Australian company commissioned a study to find out exactly how much people fear public speaking. The survey of more than one thousand people found that 23 percent feared public speaking more than death itself! As Jerry Seinfeld once said, most people attending a funeral would rather be in the casket than delivering the eulogy! I can relate to those people because I feared speaking in front of a class or group of people more than anything else when I was a kid. In fact, I dropped speech in high school because when I signed up for it I thought it was a grammar class for an English credit. When I found out it actually required giving an oral presentation, I didn’t want any part of it! After hearing the overview of the class on the first day, I got out of my seat and walked toward the door; the teacher asked me where I was going. We had a brief meeting in the hall, in which she informed me that nobody ever dropped her class. After a meeting with the principal, I dropped the class, but on the condition that I might be called upon in the near future to use my hunting and fishing skills. I thought the principal was joking--until I was called upon later that year during duck season to pick ducks during recess! I looked at it as a fair trade.

The Renaissance deepened the influence of medieval development with its striving towards capitalistic economic and social system only in so far as it confirms the rationalism which now dominates the whole intellectual and material life of the time. [...] They are arecreation of the same spirit which makes its way in the organization of labour, in trading methods, the credit system and double-entry book keeping, in methods of government, in diplomacy and warfare. The whole development of art becomes part of the total process of rationalization. The irrational ceases to make any deeper impression. The things that are now felt as 'beautiful' are the logical conformity of the individual parts of a whole, the arithmetically definable harmony of the relationships and the calculable rhythm of a composition, the exclusion of discords in the relation of the figures to the space they occupy and in the mutual relationship of the various parts of the space itself. And just a central perspective is space seen from a mathematical standpoint, and right proportions are only equivalent to the systematic organization of the individual forms in a picture, so in the course of time call criteria of artistic quality are subjected to rational scrutiny and all the laws of art are rationalized.

Right when Marston and Peter must have been meeting with Gaines and Mayer to talk about what Wonder Woman ought to look like, a new superhero made his debut. Captain America.19 He quickly became Timely Comics’ most popular character. Captain America Comics #1 (March 1941) (illustration credit 23.7) Marston wanted his comic book’s “under-meaning,” about “a great movement now under way—the growth in the power of women,” to be embodied in the way Wonder Woman carried herself, how she dressed, and what powers she wielded. She had to be strong, and she had to be independent. Everyone agreed about the bracelets (inspired by Olive Byrne’s): it helped Gaines with his public relations problem that she could stop bullets with them; that was good for the gun problem. Also, this new superhero had to be uncommonly beautiful; she’d wear a tiara, like the crown awarded at the Miss America pageant. Marston wanted her to be opposed to war, but she had to be willing to fight for democracy. In fact, she had to be superpatriotic. Captain America wore an American flag: blue tights, red gloves, red boots, and, on his torso, red and white stripes and a white star. Like Captain America—because of Captain America—Wonder Woman would have to wear red, white, and blue, too. But, ideally, she’d also wear very little. To sell magazines, Gaines wanted his superwoman to be as naked as he could get away with.

After more than twenty years as a transactional trader and businessman in what I called the “strange profession,” I tried what one calls an academic career. And I have something to report—actually that was the driver behind this idea of antifragility in life and the dichotomy between the natural and the alienation of the unnatural. Commerce is fun, thrilling, lively, and natural; academia as currently professionalized is none of these. And for those who think that academia is “quieter” and an emotionally relaxing transition after the volatile and risk-taking business life, a surprise: when in action, new problems and scares emerge every day to displace and eliminate the previous day’s headaches, resentments, and conflicts. A nail displaces another nail, with astonishing variety. But academics (particularly in social science) seem to distrust each other; they live in petty obsessions, envy, and icy-cold hatreds, with small snubs developing into grudges, fossilized over time in the loneliness of the transaction with a computer screen and the immutability of their environment. Not to mention a level of envy I have almost never seen in business. … My experience is that money and transactions purify relations; ideas and abstract matters like “recognition” and “credit” warp them, creating an atmosphere of perpetual rivalry. I grew to find people greedy for credentials nauseating, repulsive, and untrustworthy.

Our city teems with sons who have escaped their fathers in a similar way. Usually, this remains obscure. The Oedipal relation­ship is reduced to a malaise between individuals. The loss of esteem is inevitable, but people get along with one another. Moreover, I am troubled less by my background than by the respect that my old man demands on the basis of his paternity. He cites a credit that is not his due: the fact that fathers, rulers, professors once lived and deserved this name. Nowadays, that is nothing but a rumor. When he swaggers, I sometimes feel like reminding him of the map room and the tricks he harassed my mother with. She shel­tered me from him in her cavern just as Rhea shielded her Zeus against the gluttonous Cronus. Naturally, I avoid making this chess move; I am aware, here too, of imperfection, which torments me. There are truths that we must hush if we are to live together; but you cannot knock over the chessboard. I owe my restraint partly to Bruno, whose course also covers magical and even practical conduct. He said: "If the words are about to flee your lips, then reach toward the left side of your chest for your wallet. You will then save your joke; it will accrue to your capital. You will feel your heart." That is how I act with my dad. At such times, I am even over­come with benevolence. This is also my advice to Vigo when he wants to parry hateful criticism by giving tit for tat.

Hamilton argued that the security of liberty and property were inseparable and that governments should honor their debts because contracts formed the basis of public and private morality: “States, like individuals, who observe their engagements are respected and trusted, while the reverse is the fate of those who pursue an opposite conduct.”The proper handling of government debt would permit America to borrow at affordable interest rates and would also act as a tonic to the economy. Used as loan collateral, government bonds could function as money—and it was the scarcity of money, Hamilton observed, that had crippled the economy and resulted in severe deflation in the value of land. America was a young country rich in opportunity. It lacked only liquid capital, and government debt could supply that gaping deficiency. The secret of managing government debt was to fund it properly by setting aside revenues at regular intervals to service interest and pay off principal. Hamilton refuted charges that his funding scheme would feed speculation. Quite the contrary: if investors knew for sure that government bonds would be paid off, the prices would not fluctuate wildly, depriving speculators of opportunities to exploit. What mattered was that people trusted the government to make good on repayment: “In nothing are appearances of greater moment than in whatever regards credit. Opinion is the soul of it and this is affected by appearances as well as realities.” Hamilton intuited that public relations and confidence building were to be the special burdens of every future treasury secretary.

She told him the origins of the “buck dance,” when “white people would come up and say ‘N____r, dance’, and then start shooting around the feet of blacks so that they would dance like everything.” 45 Big Ma was an important presence in Jimmy’s childhood and adolescence, and he credited her with giving him a unique and powerful sense of historical change. “When she talked about slavery,” he recalled, “she always talked not about how they freed the slaves, but about how [slaveholders] surrendered. There was a big difference. She saw the change as something that had been won by somebody, not something that had been given. She realized that there had been a struggle and that somebody had to lose.” 46 It would not take much for young Jimmy to see a historical connection and a continuity in struggle between these two moments—the buck dance that Big Ma witnessed in her childhood and the marauding Selma sheriff who came to town “shooting and raising Cain to see the colored folks run” during his childhood. Big Ma lived until the mid-1930s, when Jimmy was in his teens. By this time he could see new spaces of struggle emerging from shifts in the region’s economy and black people’s employment patterns. These shifts had impacted his family, specifically through his father’s work opportunities, and would shape his own prospects. Cotton continued to be an important part of the economy, both in the state and in the Black Belt region, but its significance declined relative to Alabama’s growing industrial economy. African Americans saw expanded employment opportunities, as labor shortages, strikes, and union organizing during the first two decades of the century led companies to open up jobs previously unavailable to black workers. The steel industry, which had previously satisfied its need for cheap labor with immigrant workers, came to rely heavily on black labor after World War I. 47

Trying to trick the creature, hoping that it would react without hesitation to the first sign of movement in the door way, Travis tucked the revolver under his belt, quietly picked up one of the dining-room chairs, eased to within six feet of the kitchen, and pitched the chair through the open door. He snatched the revolver out of his waistband and, as the chair sailed into the kitchen, assumed a shooter's stance. The chair crashed into the Formica-topped table, clattered to the floor, and banged against the dishwasher. The lantern-eyed enemy did not go for it. Nothing moved. When the chair finished tumbling, the kitchen was again marked by a hushed expectancy . Einstein was making a curious sound, a quiet shuddery huffing, and after a moment Travis realized the noise was a result of the dog's uncontrollable shivering. No question about it: the intruder in the kitchen was the very thing that had pursued them through the woods more than three months ago. During the intervening weeks, it had made its way north, probably traveling mostly in the wildlands to the east of the developed part of the state, relentlessly tracking the dog by some means that Travis could not understand and for reasons he could not even guess. In response to the chair he had thrown, a large white-enameled canister crashed to the floor just beyond the kitchen doorway, and Travis jumped back in surprise, squeezing off a wild shot before he realized he was only being taunted. The lid flew off the container when it hit the floor, and flour spilled across the tile. Silence again. By responding to Travis's taunt with one of its own, the intruder had displayed unnerving intelligence. Abruptly Travis realized that, coming from the same research lab as Einstein and being a product of related experiments, the creature might be as smart as the retriever. Which would explain Einstein's fear of it. If Travis had not already accommodated himself to the idea of a dog with humanlike intelligence, he might have been unable to credit this beast with more than mere animal cleverness; however, events of the past few months had primed him to accept-and quickly adapt to-almost anything.

The modern educational system provides numerous other examples of reality bowing down to written records. When measuring the width of my desk, the yardstick I am using matters little. My desk remains the same width regardless of whether I say it is 200 centimetres or 78.74 inches. However, when bureaucracies measure people, the yardsticks they choose make all the difference. When schools began assessing people according to precise marks, the lives of millions of students and teachers changed dramatically. Marks are a relatively new invention. Hunter-gatherers were never marked for their achievements, and even thousands of years after the Agricultural Revolution, few educational establishments used precise marks. A medieval apprentice cobbler did not receive at the end of the year a piece of paper saying he has got an A on shoelaces but a C minus on buckles. An undergraduate in Shakespeare’s day left Oxford with one of only two possible results – with a degree, or without one. Nobody thought of giving one student a final mark of 74 and another student 88.6 Credit 1.24 24. A European map of Africa from the mid-nineteenth century. The Europeans knew very little about the African interior, which did not prevent them from dividing the continent and drawing its borders. Only the mass educational systems of the industrial age began using precise marks on a regular basis. Since both factories and government ministries became accustomed to thinking in the language of numbers, schools followed suit. They started to gauge the worth of each student according to his or her average mark, whereas the worth of each teacher and principal was judged according to the school’s overall average. Once bureaucrats adopted this yardstick, reality was transformed. Originally, schools were supposed to focus on enlightening and educating students, and marks were merely a means of measuring success. But naturally enough, schools soon began focusing on getting high marks. As every child, teacher and inspector knows, the skills required to get high marks in an exam are not the same as a true understanding of literature, biology or mathematics. Every child, teacher and inspector also knows that when forced to choose between the two, most schools will go for the marks.

Oh, Gray, she said. Oh, gray, indeed. As in, oh Gray what the holy hell has come over you and what the devil do you intend to do about it? He took the coward’s way out. He looked away. “I thought you were painting a portrait. Of me.” She turned her head, following his gaze to her easel. A vast seascape overflowed the small canvas. Towering thunderclouds and a violent, frothy sea. And slightly off center, a tiny ship cresting a massive wave. “I am painting you.” “What, am I on the little boat, then?” It was a relief to joke. The relief was short-lived. “No,” she said softly, turning back to look at him. “I’m on the little boat. You’re the storm. And the ocean. You’re…Gray, you’re everything.” And that was when things went from “very bad” to “worse.” “I can’t take credit for the composition. It’s inspired by a painting I once saw, in a gallery on Queen Anne Street. By a Mr. Turner.” “Turner. Yes, I know his work. No relation, I suppose?” “No.” She looked back at the canvas. “When I saw it that day, so brash and wild…I could feel the tempest churning in my blood. I just knew then and there, that I had something inside me-a passion too bold, too grand to keep squeezed inside a drawing room. First I tried to deny it, and then I tried to run from it…and then I met you, and I saw you have it, too. Don’t deny it, Gray. Don’t run from it and leave me alone.” She sat up, still rubbing his cheek with her thumb. Grasping his other hand, she drew it to her naked breast. Oh, God. She was every bit as soft as he’d dreamed. Softer. And there went his hand now. Trembling. “Touch me, Gray.” She leaned forward, until her lips paused a mere inch away from his. “Kiss me.” Perhaps that dagger had missed his heart after all, because the damned thing was hammering away inside his chest. And oh, he could taste her sweet breath mingling with his. Her lips were so close, so inviting. So dangerous. Panic-that’s what had his knees trembling and his heart hammering and his lips spouting foolishness. It had to be panic. Because something told Gray that he could see her mostly naked, and watch her toes curl as she reached her climax, and even cup her dream-soft breast in his palm-but somehow, if he touched his lips to hers, he would be lost. “Please,” she whispered. “Kiss me.

children from pain and loss and tragedy and illness. You cannot be sure that you will always be married, let alone happily married. You cannot be sure you will always be employed, or healthy, or relatively sane. All you can do is face the world with quiet grace and hope you make a sliver of difference. Humility does not mean self-abnegation, lassitude, detachment; it’s more like a calm recognition that you must trust in that which does not make sense, that which is unreasonable, illogical, silly, ridiculous, crazy by the measure of most of our culture; you must trust that you being a very good you matters somehow. That trying to be an honest and tender parent will echo for centuries through your tribe. That doing your chosen work with creativity and diligence will shiver people far beyond your ken. That being an attentive and generous friend and citizen will somehow matter in the social fabric, save a thread or two from unraveling. And you must do all of this with the sure and certain knowledge that you will never get proper credit for it, at all, one bit, and in fact the vast majority of the things you do right will go utterly unremarked; except, perhaps, in ways we will never know or understand, by the Arab Jew who once shouted about his cloak, and may have been somehow also the One who invented and infuses this universe and probably a million others—not to put a hard number on it or anything. Humility, the final frontier, as my late brother Kevin used to say. When we are young we build a self, a persona, a story in which to reside, or several selves in succession, or several at once, sometimes; when we are older we take on other roles and personas, other masks and duties; and you and I both know men and women who become trapped in the selves they worked so hard to build, so desperately imprisoned that sometimes they smash their lives simply to escape who they no longer wish to be; but finally, I think, if we are lucky, if we read the book of pain and loss with humility, we realize that we are all broken and small and brief, that none among us is actually rich or famous or more beautiful than another; and then, perhaps, we begin to understand something deep and true finally about humility. This is what I know: that the small is huge, that the tiny is vast, that pain is part and parcel of the gift of joy, and that there is love, and then there is everything else. You either walk toward love or away from it with every breath you draw. Humility is the road to love. Humility, maybe, is love. That could be. I wouldn’t know; I am a muddle and a conundrum, shuffling slowly along the road, gaping in wonder, trying to just see and say what is, trying to leave shreds and shards of ego along the road like wisps of litter and chaff.

In the 1860s, during its civil war, the US suspended gold convertibility and printed paper money (known as “greenbacks”) to help monetize war debts. Around the time the US returned to its gold peg in the mid-1870s, a number of other countries joined the gold standard; most currencies remained fixed against it until World War I. Major exceptions were Japan (which was on a silver-linked standard until the 1890s, which led its exchange rate to devalue against gold as silver prices fell during this period) and Spain, which frequently suspended convertibility to support large fiscal deficits. During World War I, warring countries ran enormous deficits that were funded by central banks’ printing and lending of money. Gold served as money in foreign transactions, as international trust (and hence credit) was lacking. When the war ended, a new monetary order was created with gold and the winning countries’ currencies, which were tied to gold. Still, between 1919 and 1922 several European countries, especially those that lost the war, were forced to print and devalue their currencies. The German mark and German mark debt sank between 1920 and 1923. Some of the winners of the war also had debts that had to be devalued to create a new start. With debt, domestic political, and international geopolitical restructurings done, the 1920s boomed, particularly in the US, inflating a debt bubble. The debt bubble burst in 1929, requiring central banks to print money and devalue it throughout the 1930s. More money printing and more money devaluations were required during World War II to fund military spending. In 1944–45, as the war ended, a new monetary system that linked the dollar to gold and other currencies to the dollar was created. The currencies and debts of Germany, Japan, and Italy, as well as those of China and a number of other countries, were quickly and totally destroyed, while those of most winners of the war were slowly but still substantially depreciated. This monetary system stayed in place until the late 1960s. In 1968–73 (most importantly in 1971), excessive spending and debt creation (especially by the US) required breaking the dollar’s link to gold because the claims on gold that were being turned in were far greater than the amount of gold available to redeem them. That led to a dollar-based fiat monetary system, which allowed the big increase in dollar-denominated money and credit that fueled the inflation of the 1970s and led to the debt crisis of the 1980s. Since 2000, the value of money has fallen in relation to the value of gold due to money and credit creation and because interest rates have been low in relation to inflation rates. Because the monetary system has been free-floating, it hasn’t experienced the abrupt breaks it did in the past; the devaluation has been more gradual and continuous. Low, and in some cases negative, interest rates have not provided compensation for the increasing amount of money and credit and the resulting (albeit low) inflation.

PATTERNS OF THE “SHY” What else is common among people who identify themselves as “shy?” Below are the results of a survey that was administered to 150 of my program’s participants. The results of this informal survey reveal certain facts and attitudes common among the socially anxious. Let me point out that these are the subjective answers of the clients themselves—not the professional opinions of the therapists. The average length of time in the program for all who responded was eight months. The average age was twenty-eight. (Some of the answers are based on a scale of 1 to 5, 1 being the lowest.) -Most clients considered shyness to be a serious problem at some point in their lives. Almost everyone rated the seriousness of their problem at level 5, which makes sense, considering that all who responded were seeking help for their problem. -60 percent of the respondents said that “shyness” first became enough of a problem that it held them back from things they wanted during adolescence; 35 percent reported the problem began in childhood; and 5 percent said not until adulthood. This answer reveals when clients were first aware of social anxiety as an inhibiting force. -The respondents perceived the average degree of “sociability” of their parents was a 2.7, which translates to “fair”; 60 percent of the respondents reported that no other member of the family had a problem with “shyness”; and 40 percent said there was at least one other family member who had a problem with “shyness.” -50 percent were aware of rejection by their peers during childhood. -66 percent had physical symptoms of discomfort during social interaction that they believed were related to social anxiety. -55 percent reported that they had experienced panic attacks. -85 percent do not use any medication for anxiety; 15 percent do. -90 percent said they avoid opportunities to meet new people; 75 percent acknowledged that they often stay home because of social fears, rather than going out. -80 percent identified feelings of depression that they connected to social fears. -70 percent said they had difficulty with social skills. -75 percent felt that before they started the program it was impossible to control their social fears; 80 percent said they now believed it was possible to control their fears. -50 percent said they believed they might have a learning disability. -70 percent felt that they were “too dependent on their parents”; 75 percent felt their parents were overprotective; 50 percent reported that they would not have sought professional help if not for their parents’ urging. -10 percent of respondents were the only child in their families; 40 percent had one sibling; 30 percent had two siblings; 10 percent had three; and 10 percent had four or more. Experts can play many games with statistics. Of importance here are the general attitudes and patterns of a population of socially anxious individuals who were in a therapy program designed to combat their problem. Of primary significance is the high percentage of people who first thought that “shyness” was uncontrollable, but then later changed their minds, once they realized that anxiety is a habit that can be broken—without medication. Also significant is that 50 percent of the participants recognized that their parents were the catalyst for their seeking help. Consider these statistics and think about where you fit into them. Do you identify with this profile? Look back on it in the coming months and examine the ways in which your sociability changes. Give yourself credit for successful breakthroughs, and keep in mind that you are not alone!

The Global Financial Crisis shows the credit cycle at the greatest extreme since the Great Depression. Debt markets historically had been marked by general conservatism, meaning excesses on the upside were limited and most bubbles took place in the equity market. Certainly it was the site of the Great Crash of 1929. But the creation of the high yield bond market in the late 1970s kicked off a liberalization of debt investing, and the generally positive economic environment of the subsequent three decades provided those who ventured in with a favorable overall experience. This combination led to a strong trend toward acceptance of low-rated and non-traditional debt instruments. There were periods of weakness in debt in 1990–91 (related to widespread bankruptcies among the highly levered buyouts of the 1980s) and in 2002 (stemming from excessive borrowing to fund overbuilding in the telecom industry, which led to prominent downgrades that coincided with several high-profile corporate accounting scandals). But the effects of these were limited because of the isolated nature of their causes. It wasn’t until 2007–08 that the financial markets witnessed the first widespread, debt-induced panic, with ramifications for the entire economy. Thus the GFC provided the ultimate example of the credit cycle’s full effect.

From an Editorial review with SPR - Self Publishing Review on 4/17/20 "A compassionate and expert guide. Unlike many other financial self-help books, Lewis strikes a good balance between anecdotal stories and specific strategies that can be readily applied to help improve one’s credit score. She writes with conviction and confidence, while maintaining a relatable voice, and tackles the delicate subject of bankruptcy with a clear head and obvious expertise, making this guide a brief but indispensable read." Self-Publishing Review

Not all of us, mind you. Some folks perceive their contextual status with relative accuracy: they’re better than the rest of us at figuring out how much control they really have over local events, for example. They’re better at assessing their own performance at assigned tasks. Most of us tend to take credit for the good things that happen to us, while blaming something else for the bad. But some folks, faced with the same scenarios, apportion blame and credit without that self-serving bias. We call these people “clinically depressed”. We regard them as a bunch of unmotivated Debbie Downers who always look on the dark side - even though their worldview is empirically more accurate than the self-serving ego-boosts the rest of us experience.

Let’s start with the assumption that all members of a household enjoy an equal standard of living. Measuring poverty by household means that we lack individual level data, but in the late 1970s, the UK government inadvertently created a handy natural experiment that allowed researchers to test the assumption using a proxy measure.16 Until 1977, child benefit in Britain was mainly credited to the father in the form of a tax reduction on his salary. After 1977 this tax deduction was replaced by a cash payment to the mother, representing a substantial redistribution of income from men to women. If money were shared equally within households, this transfer of income ‘from wallet to purse’ should have had no impact on how the money was spent. But it did. Using the proxy measure of how much Britain was spending on clothes, the researchers found that following the policy change the country saw ‘a substantial increase in spending on women’s and children’s clothing, relative to men’s clothing’.

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

If your account is debited but the transaction does not go through, SBI provides for real-time reversals for technical declines and amount would be transferred back to your account immediately. In case the amount is not reversed, you can raise a dispute through SBI YONO LITE app itself. If your account is debited but the transaction does not go through, SBI provides for real-time reversals for technical declines and amount would be transferred back to your account immediately. In case the amount is not reversed, you can raise a dispute through SBI YONO LITE app itself. One of the major advantages of the facility is that the customer need not register the beneficiary in order to transfer funds. However, in case of sending money using beneficiary’s Virtual ID, the beneficiary should mandatorily be registered with UPI. In case of payment through Account number +IFSC or Aadhaar number, the beneficiary need not be registered for UPI. When this happens, your funds will instantly be returned to your Cash App balance or linked bank account. If not, they should be available within 1–3 business days, depending on your bank. I got my ID approved and added my debit card as well as my bank as a backup. However, neither of them are working as well as another credit card I've tried when I try to load cash onto the app. Every time I try to add cash in order to buy BTC, it gives me the error "This transfer failed" but does not give me an explanation. I got my ID approved and added my debit card as well as my bank as a backup. However, neither of them are working as well as another credit card I've tried when I try to load cash onto the app. Every time I try to add cash in order to buy BTC, it gives me the error "This transfer failed" but does not give me an explanation.Does anyone know why this may be happening? Could it possibly be related to the fact that my physical square cash debit card has not arrived yet?I contacted support and got this response: "Thank you for your reply. I’m very sorry you’re unable to Add Cash right now. We’re rolling out this feature to more customers, keep an eye out for updates to the app!In the meantime, rest assured that you can still send funds directly from your debit card."I am unsure what exactly he means by this, because I cannot rest assured as I am not able to send funds from my debit card or by any other method. Help? According to recent statements by the company, there are more than 7 million Cash App users and with such a large base of users, there are some common Cash App problems. Payments failed on Cash App is one of such issues that users face. If your Cash App failed to send money and wondering why does my Cash App transfer keep failing then there is no need to worry you can fix Cash App transfer failed issue. You must read this blog to resolve Cash App transfer failed and follow some easy steps. Samuel Earney Login to follow Square's Cash App is a peer-to-peer payment app that allows you to send and receive money with friends and family, without any requirement of cash on hand. Cash App is the most secure payment gate away. When someone sends you money on the Cash App, then it is a virtual currency and stays in the app. If you have an activated Cash App Card, you can use it as a debit card and spend your balance anywhere that accepts Visa. The Cash app direct deposit feature was recently added to make its deposit features more accessible and the use of this app can certainly speed up the process for people unable to access bank accounts. Cash App allows you to directly deposit your paycheck into your Cash App account, invest the funds in your account balance, and use the Cash Card to make purchases. Cash App is not just a peer to peer digital payment application it is essentially a full-fledged financial tool.

In his book-length review of the executive functions, Dr. Russell Barkley (2012) explored the reasons that these skills evolved in humans in the first place. He makes the compelling case that it was the selection pressures associated with humans living in larger groups of genetically unrelated individuals, which made it selectively advantageous to have good self-regulation skills. That is, these abilities became more important to survival as humans became more interdependent with and reliant on dealings with people who were not family. Attention-Deficit/Hyperactivity Disorder (ADHD) and executive dysfunction continue to have effects on the myriad relationships and social interactions in daily life. These connections include romantic and committed relationships/marriage, relationships with parents, siblings, children, and other relatives, friendships, and interactions with employers, coworkers, and customers. The executive functions in relationships also figure in the capacity for empathy and tracking social debt, that is, the balance of favors you owe others and favors owed to you. The ability to effectively organize behavior across time in goal-directed activities gains you “social collateral.” That is, the more you deliver on promises and projects, the more that you will be sought out by others and maintain bonds with them. Some of the common manifestations of ADHD and executive dysfunction that may create problems in relationships include: • Distractibility during conversations • Forgetfulness about matters relevant to another person • Verbal impulsivity—talking over someone else • Verbal impulsivity—saying the “wrong thing” • Breaking promises (acts of commission, e.g., making an expensive purchase despite agreeing to stay within a household budget) • Poor follow-through on promises (acts of omission, e.g., forget to pick up dry cleaning) • Disregarding the effects of one’s behavior on others (e.g., building up excessive debt on a shared credit card account) • Poor frustration tolerance, anger (e.g., overreacting to children’s behavior) • Lying to cover up mistakes • Impulsive behaviors that reduce trust (e.g., romantic infidelity)

Spiritual pride dies when we realize that all of our comparisons with others based on relative levels of apparent goodness count for nothing in terms of gaining us standing with God. What we may want God to account to our credit has no currency with him, because the economy of good works is dead.

Mary had known what to do. She and Debbie had worked everything out in advance—whom to call and in what order: the funeral parlor, the credit card companies, the friends. There was already an obituary ready to go. Leonard’s photo would be in all the newspapers, on Twitter. It’d be in the black-and-white photo montage at the Oscars, with someone singing “Somewhere Over the Rainbow” in a ball gown. Alice made some of the calls to friends—she and Debbie split up the list. No one was surprised. Everyone was kind. Alice cried during the first few, nearly unable to get the words out, but then she got used to the rhythm of the conversation and found that she was able to make it through. That lasted a few minutes and then she was crying again. Alice hugged Mary longer than she’d ever hugged a relative stranger in her life. This was how people felt about their midwives, or platoon mates, or fellow hostages—they had seen things together that no one else would ever fully understand.

But academics (particularly in social science) seem to distrust each other; they live in petty obsessions, envy, and icy-cold hatreds, with small snubs developing into grudges, fossilized over time in the loneliness of the transaction with a computer screen and the immutability of their environment. Not to mention a level of envy I have almost never seen in business.… My experience is that money and transactions purify relations; ideas and abstract matters like “recognition” and “credit” warp them, creating an atmosphere of perpetual rivalry. I grew to find people greedy for credentials nauseating, repulsive, and untrustworthy.

In both World Wars Britain had powerful and self-willed Prime Ministers in Mr. Lloyd George and Sir Winston Churchill. It is to their credit that they selected equally powerful and capable Army Chiefs in Generals Robertson and Lord Alanbrooke. Alanbrooke is the beau-ideal of a great Chief of Staff and is the type of man and officer required to shield the Army from any misuse of the temporary power bestowed on the political head, or to resist the imposition of impossible military tasks. Churchill and Alanbrooke worked that most misused term Civil Supremacy in the correct and healthy way, although their personal relations were not always cordial. They led Britain from the despondency of Dunkirk in 1940 to the final Allied victories in 1945.

Many of our welfare policies, too, have an antifamily design. Supplemental Security Income checks are docked if recipients live with relatives. A mother can lose her rental assistance or public housing unit if she allows the father of her children to live with her in violation of her lease. Households receive a higher total allotment of food stamps if romantic partners apply separately for the benefit rather than as a married couple.[37] Then there is the Earned Income Tax Credit (EITC).

When you buy an airplane ticket, the airline charges your credit card immediately, even if you are not planning to fly for another three weeks. Accountants call such funds deferred revenue. Because of its name, deferred revenue sounds like something we should discuss in this chapter. Deferred revenue is indeed related to revenue—it will turn into revenue eventually—but it does not belong here. Remember the GAAP principle of conservatism? It says, in part, that revenue should be recognized when (and only when) it is actually earned. Deferred revenue is money that has come in but is as yet unearned. So it can’t go into the income statement. Instead, accountants put deferred revenue on the balance sheet as a liability—that is, an amount that the company owes to somebody else. In the example, the airline owes you a flight. We’ll discuss deferred revenue further in part 3

HIC | JACET | FISCI LIBERATOR’, ‘here lies the Treasury’s Liberator’. However, in Senator Thomas Hart Benton’s fully documented account of the Bank war, in his Thirty Years’ View, or A History of the Working of the American Government (1854), the hero is unquestionably President Jackson, and Van Buren is not seen to play a leading role, in part because while Vice-President he chaired the Senate Debates and could have no voice in them. (That difference raises the question of historical accuracy to which I will return.) The first third of canto 37 weaves together thirty or more items, most of them things said by Van Buren or taken up by him over the many years from 1813 when he was a New York state senator to 1840 when he was President. The passage is a prime instance of Pound’s method of adding one detail to another without providing the conventional syntactical and logical connections, in order to allow a more complex web of relations to develop. Banks fraudulently failing, wealthy landowners and factory owners, high judges and the Chief Justice himself, senators, financial speculators, all are implicated in defrauding immigrants of the value of their banknotes, in driving settlers off the land they would cultivate, in denying workers the vote, in preventing local government of local affairs, and in ‘“decrying government credit. |…in order to feed on the spoils”’.

They Are Spending Too Much If all of a sudden you notice too many credit card bills and receipts in their pockets and yet you don’t receive any supposed gifts, then someone else is on the receiving end of them. When asked, they will always have an explanation over how they had to lend some money to a friend, how they had to pitch in the last minute for an office party for a guy’s farewell or how they had to pay a medical bill of some relative. He/He’s Doing Things They Hated Before Remember the time you asked them to go golfing with you and they flat out refused and joked about how it’s an old man’s sport? Look who is all polo shirts and hats now! If their interests have changed all of a sudden and they are doing stuff they hated, know something is up.

As my job taught me a little more about America’s class divide, it also imbued me with a bit of resentment, directed toward both the wealthy and my own kind. The owners of Dillman’s were old-fashioned, so they allowed people with good credit to run grocery tabs, some of which surpassed a thousand dollars. I knew that if any of my relatives walked in and ran up a bill of over a thousand dollars, they’d be asked to pay immediately. I hated the feeling that my boss counted my people as less trustworthy than those who took their groceries home in a Cadillac. But I got over it: One day, I told myself, I’ll have my own damned tab.

The bottom line, then, is that the evidence shows that vaccination programmes have not done the things they are credited with but have done most of the things they are blamed for. The decline in disease, the reduction in infant mortality rates and the increase in average life expectation are all due to improved living conditions. Cleaner water, efficient methods of removing sewage, fresher food, less poverty and less overcrowding are the real reasons why these improvements have taken place. Anyone who doubts this has only to look at graphs showing mortality rates and life expectation rates alongside graphs showing when vaccines were introduced. The graphs show clearly that the improvements took place before the vaccines were introduced. Study the evidence relating to whooping cough, tetanus, diphtheria, smallpox, polio and other diseases and it becomes clear that the incidence of these diseases, and number of deaths caused by them, were in decline long before the relevant vaccines were introduced.

Sometimes the credit in the bank of petience becomes empty, and it cannot longer sustain all the drama laid at her door, how many forgivness does one need before helping themselves with all the help and understanding laid at their disposal,from relatives and family, how many tears must everyone cry for you to change your ways, but nothing seem to help least of all you towards yourself, you think the whole world is against you but its not true, you are against yourself, this has been the problem, and you want to blame all others, its so easy to avoid responsibility, we have all been there and done that, we have all faced challanges, but the highway to spiritual growth, begins with facing yourself taking up responsibility for you, by doing that you take up responsibility for all others, Every day, the Sun, Moon, planets, and stars rise in the east and set in the west, why do you make life so hard for yourself, by refusing the light that shines onto you from celestial heavens, do not be afraid to change, life changes us all, we are the flowers in the wilderness, where the wind challenges us not to break, we are the still garden, birds flying, the golden yellow sun pouring her energy onto the stillness, appriciate the moment, be still, be love towaards yourself, be love towards others, be love towards nature, be love towards animals, be love to life

Psychologists define cognitive dissonance as “The state of having inconsistent thoughts, beliefs or attitudes; especially as relating to behavioral decisions and attitude change”.  Perhaps nowhere is this cerebral flexibility on better display than in religious claims of divine intervention.  As atheists we are constantly baffled by an acquaintance crediting god with some minor convenience in their lives, seemingly unaware of the horrible moral contradictions that arise when one asserts that a god concerns itself with finding their lost glasses but not with the children sold into sexual slavery.

Following the Soviet invasion, the Communists, to their credit, passed decrees making girls’ education compulsory and abolishing certain oppressive tribal customs—such as the bride-price, a payment to the bride’s family in return for her hand in marriage. However, by massacring thousands of tribal elders, they paved the way for the “commanders” to step in as the new elite. Aided by American and Saudi patronage, extremism flourished. What had once been a social practice confined to areas deep in the hinterlands now became a political practice, which, according to ideologues, applied to the entire country. The modest gains of urban women were erased. “The first time a woman enters her husband’s house," Heela “told me about life in the countryside, “she wears white”—her wedding dress—“and the first time she leaves, she wears white”—the color of the Muslim funeral shroud. The rules of this arrangement were intricate and precise, and, it seemed to Heela, unchanged from time immemorial. In Uruzgan, a woman did not step outside her compound. In an emergency, she required the company of a male blood relative to leave, and then only with her father’s or husband’s permission. Even the sound of her voice carried a hint of subversion, so she was kept out of hearing range of unrelated males. When the man of the house was not present, boys were dispatched to greet visitors. Unrelated males also did not inquire directly about a female member of the house. Asking “How is your wife?” qualified as somewhere between uncomfortably impolite and downright boorish. The markers of a woman’s life—births, anniversaries, funerals, prayers, feasts—existed entirely within the four walls of her home. Gossip, hopscotching from living room to living room, was carried by husbands or sons.

There is often much good in the type of boss, especially common in big cities, who fulfills towards the people of his district in rough and ready fashion the position of friend and protector. He uses his influence to get jobs for young men who need them. He goes into court for a wild young fellow who has gotten into trouble. He helps out with cash or credit the widow who is in straits, or the breadwinner who is crippled or for some other cause temporarily out of work. He organizes clambakes and chowder parties and picnics, and is consulted by the local labor leaders when a cut in wages is threatened. For some of his constituents he does proper favors, and for others wholly improper favors; but he preserves human relations with all. He may be a very bad and very corrupt man, a man whose action in blackmailing and protecting vice is of far-reaching damage to his constituents. But these constituents are for the most part men and women who struggle hard against poverty and with whom the problem of living is very real and very close. They would prefer clean and honest government, if this clean and honest government is accompanied by human sympathy, human understanding. But an appeal made to them for virtue in the abstract, an appeal made by good men who do not really understand their needs, will often pass quite unheeded, if on the other side stands the boss, the friend and benefactor, who may have been guilty of much wrong-doing in things that they are hardly aware concern them, but who appeals to them, not only for the sake of favors to come, but in the name of gratitude and loyalty, and above all of understanding and fellow-feeling.

He was also a burglar and an informant and his one great fear was coming to trial and being sentenced to time at the state prison in Folsom. Several of his ex-associates were there, thanks to his help. I had just been granted a further continuance of his trial, delaying it for another sixty days. Our strategy was to string out his case as long as possible so that when he inevitably pled guilty he would be credited with the time he served in county jail and avoid Folsom altogether. The district attorney’s office was cooperative; the least they owed him was county time—easy time, the prisoners called it. County was relatively un-crowded and the sheriffs relatively benign. On the other hand, county stank like every other jail I’d ever been in.

He had the fault of thinking too well of himself--which who has not who thinks of himself at all, apart from his relation to the holy force of life, within yet beyond him? It was the almost unconscious, assuredly the undetected, self-approbation of the ordinarily righteous man, the defect of whose righteousness makes him regard himself as upright, but the virtue of whose uprightness will at length disclose to his astonished view how immeasurably short of rectitude he comes. At the age of thirty, Godfrey Wardour had not yet become so displeased with himself as to turn self-roused energy upon betterment; and until then all growth must be of doubtful result. … His friends notwithstanding gave him credit for great imperturbability; but in such willfully undemonstrative men the evil burrows the more insidiously that it is masked by a constrained exterior.

In summary, a good teacher does the following: - never tells a student anything that the teacher thinks is true - never allows himself to be the ultimate judge of his own students' success - teacher practice first, theory second (if he must teach theory at all) - does not come up with lists of knowledge that every student must know - doesn't teach anything unless he can easily explain the use of learning it - assigns no homework, unless that homework is to produce something - groups students according to their interests and abilities, not their ages - ensures that any reward to a student is intrinsic - teaches students things they may actually need to know after they leave school - helps students come up with their own explanations when they have made a mistake - never assumes that a student is listening to what he is saying - never assumes that students will do what he asks them to do if what he asked does not relate to a goal they truly hold - never allows pleasing the teacher to be the goal of the student - understands that students won't do what he tells them if they don't understand what is being asked of them - earns the respect of students by demonstrating abilities - motivate students to do better, and does not help them to do better - understands that his job is to get students to do something - understands that experience, not teachers, changes belief systems - confuses students - does not expect credit for good teaching

There can be no doubt that this possessive clinging to things is one of the most harmful habits in the life. Because it is so natural it is rarely recognized for the evil that it is; but its outworkings are tragic. We are often hindered from giving up our treasures to the Lord out of fear for their safety; this is especially true when those treasures are loved relatives and friends. But we need have no such fears. Our Lord came not to destroy but to save. Everything is safe which we commit to Him, and nothing is really safe which is not so committed. Our gifts and talents should also be turned over to Him. They should be recognized for what they are, God's loan to us, and should never be considered in any sense our own. We have no more right to claim credit for special abilities than for blue eyes or strong muscles. "For who maketh thee to differ from another? and what hast thou that thou didst not receive?" The Christian who is alive enough to know himself even slightly will recognize the symptoms of this possession malady, and will grieve to find them in his own heart. If the longing after God is strong enough within him he will want to do something about the matter. Now, what should he do?

Countries like Finland, Norway, Italy and Austria-which were relatively backward at the end of the Second World War and saw the need for rapid industrial development-also used strategies similar to those used by France and Japan to promote their industrie. All of them had relatively high tariffs until the 1960s. They all actively used SOEs to upgrade their industries. This was particularly successful in Finland and Norway. In Finland, Norway and Austria, the government was very much involved in directing the flow of bank credit to strategic industries. Finland heavily controlled foreign investment. In many parts of Italy, local government provided support for marketing and R&D to small and medium-sized firms in the locality.

We all know that air is the essential and important factor on order to live in the world but have we ever thought about that this air in which we breathe possesses specific matter from a range of the natural as well as human related sources. This particulate matter which is found by the Best Engineering colleges Rajasthan 2017 in air is responsible for all premature deaths across the world. But legislation from the different protection agencies has been credited with significantly reduction in this number along with the amount of particulate manner in the presented atmosphere.

Helping less fortunate people is the closest thing to the heart of God. I will never forget the image of that young man carrying the crippled man into the water. I could understand him doing all that for his father, a relative, or a longtime friend, but this was a stranger he’d just met in our church. He took off his Saturday when he could have been working out, going to the beach, or hanging out with friends. There would have been nothing wrong with just relaxing, but his attitude was “I have an assignment. God has put someone in my path to serve. I can make a difference in his life and brighten his day.” Jesus said, “When you do it to the least of these, you’re doing it unto me.” I love the fact this young man wasn’t looking for credit. He wasn’t announcing, “I’m doing a good deed--look at me.” He didn’t have anyone cheering for him. He was just quietly serving this man. Nobody would have known they were strangers if I hadn’t asked. Remember that when you are good to others and go out of your way to be a blessing--or when you make sacrifices no one knows about--God sees what you are doing. He sees your heart of compassion. Maybe no one else on this earth is singing your praises, but up there all of heaven is cheering you on.

she hadn't just lost everything. After all, she had her health (which was actually saying quite a lot for a second grade teacher during flu season) and she had relative youth, though she was on the downhill slide to thirty. But she no longer had her luggage and she didn't have her purse. Meaning she had no clothes, no shoes, no undies, no toiletries, no ID, no credit card, not even a ChapStick. She glanced down at her

As with Japanese keiretsu, the member firms in a Korean chaebol own shares in each other and tend to collaborate with each other on what is often a nonprice basis. The Korean chaebol differs from the Japanese prewar zaibatsu or postwar keiretsu, however, in a number of significant ways. First and perhaps most important, Korean network organizations were not centered around a private bank or other financial institution in the way the Japanese keiretsu are.8 This is because Korean commercial banks were all state owned until their privatization in the early 1970s, while Korean industrial firms were prohibited by law from acquiring more than an eight percent equity stake in any bank. The large Japanese city banks that were at the core of the postwar keiretsu worked closely with the Finance Ministry, of course, through the process of overloaning (i.e., providing subsidized credit), but the Korean chaebol were controlled by the government in a much more direct way through the latter’s ownership of the banking system. Thus, the networks that emerged more or less spontaneously in Japan were created much more deliberately as the result of government policy in Korea. A second difference is that the Korean chaebol resemble the Japanese intermarket keiretsu more than the vertical ones (see p. 197). That is, each of the large chaebol groups has holdings in very different sectors, from heavy manufacturing and electronics to textiles, insurance, and retail. As Korean manufacturers grew and branched out into related businesses, they started to pull suppliers and subcontractors into their networks. But these relationships resembled simple vertical integration more than the relational contracting that links Japanese suppliers with assemblers. The elaborate multitiered supplier networks of a Japanese parent firm like Toyota do not have ready counterparts in Korea.9

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People like Monica and the entire Clinton Machine should never have had access to classified national security–related intelligence or enjoyed leadership positions. Their irresponsibility had consequences. Good men died from it—both in Mogadishu and Benghazi. We had friends die from exhaustion or from falling asleep at the wheel while ensuring the Secret Service mission of protecting the president. To die for a man of character—I can live with that. Scott Giambattista got shot to protect the president. Everyone watched the Clinton scandal shit show play out in Congress, in the media, and in the Oval Office, and every night in America’s living rooms. All the Clintons’ successes can be credited to men and women of character like Leon Panetta, Nancy Hernreich, and Betty Currie. The Clintons’ failures all point to themselves.

Loans NRIs can give loans to resident Indians on a repatriable or non-repatriable basis. NRIs can also receive loans from residents. Loan from NRIs in foreign currency or on a repatriable basis A resident Indian can borrow up to US dollars 250,000 from NRI close relatives on a repatriation basis i.e. on repayment, the NRI can credit the funds in an NRE account and take this money back without any restrictions. The NRI should be a close relative of the borrower. Please check ‘Who is your relative’ for details. The amount of loan should be received by an inward remittance or by debit to the NRE/FCNR account. The loan should be a minimum of 1 year and without any interest. The funds cannot be used for agricultural/plantation/real estate business or for relending. Income: As the loan should be interest-free, no income can be generated. Taxability: As there is no income, there is no tax. Loan from NRIs in Indian rupees or on a non-repatriable basis A resident, not being a company incorporated in India, may borrow in rupees from an NRI on a non- repatriation basis. The period of loan should be 3 years or less and the rate of interest should not exceed 2% over the prevailing bank rate at the time of the loan. The loan has to be utilized for meeting the borrower’s personal requirement or for his business purposes. The funds cannot be used for agricultural/plantation/real estate business or for relending or for investment in shares, securities or immovable property. For example, Ms. Isumati has given an unsecured loan to her father’s firm earning 15% interest. If she goes to the UK for further studies and becomes an NRI, while she may continue with the loan, RBI rules would apply. The funds cannot be used for real estate business and if the bank rate is 10%, she cannot be paid more than 12% interest on her loan. Her father would also need to deduct TDS @ 30.9% on the interest. Income: Income from loans given to residents is interest. Taxability: The interest income on loans given is taxable for NRIs. Loans to NRIs NRIs are allowed to borrow from a bank/authorized

The S curve is not just important as a model in its own right; it’s also the jack-of-all-trades of mathematics. If you zoom in on its midsection, it approximates a straight line. Many phenomena we think of as linear are in fact S curves, because nothing can grow without limit. Because of relativity, and contra Newton, acceleration does not increase linearly with force, but follows an S curve centered at zero. So does electric current as a function of voltage in the resistors found in electronic circuits, or in a light bulb (until the filament melts, which is itself another phase transition). If you zoom out from an S curve, it approximates a step function, with the output suddenly changing from zero to one at the threshold. So depending on the input voltages, the same curve represents the workings of a transistor in both digital computers and analog devices like amplifiers and radio tuners. The early part of an S curve is effectively an exponential, and near the saturation point it approximates exponential decay. When someone talks about exponential growth, ask yourself: How soon will it turn into an S curve? When will the population bomb peter out, Moore’s law lose steam, or the singularity fail to happen? Differentiate an S curve and you get a bell curve: slow, fast, slow becomes low, high, low. Add a succession of staggered upward and downward S curves, and you get something close to a sine wave. In fact, every function can be closely approximated by a sum of S curves: when the function goes up, you add an S curve; when it goes down, you subtract one. Children’s learning is not a steady improvement but an accumulation of S curves. So is technological change. Squint at the New York City skyline and you can see a sum of S curves unfolding across the horizon, each as sharp as a skyscraper’s corner. Most importantly for us, S curves lead to a new solution to the credit-assignment problem. If the universe is a symphony of phase transitions, let’s model it with one. That’s what the brain does: it tunes the system of phase transitions inside to the one outside. So let’s replace the perceptron’s step function with an S curve and see what happens.

If, if we get our heads straight about money, I predict that by ad 2000, or sooner, no one will pay taxes, no one will carry cash, utilities will be free, and everyone will carry a general credit card. This card will be valid up to each individual’s share in a guaranteed basic income or national dividend, issued free, beyond which he may still earn anything more that he desires by an art or craft, profession or trade that has not been displaced by automation. (For detailed information on the mechanics of such an economy, the reader should refer to Robert Theobald’s Challenge of Abundance and Free Men and Free Markets, and also to a series of essays that he has edited, The Guaranteed Income. Theobald is an avant–garde economist on the faculty of Columbia University.)