Default Option Quotes

The combination of loss aversion with mindless choosing implies that if an option is designated as the “default,” it will attract a large market share. Default options thus act as powerful nudges.

people have a strong tendency to go along with the status quo or default option.

To get Firefox or Chrome, you have to demonstrate some resourcefulness and download a different browser. Instead of accepting the default, you take a bit of initiative to seek out an option that might be better. And that act of initiative, however tiny, is a window into what you do at work.

Trying to change our habits demands effort and effort takes energy - which is a cost. And our brains constantly look for ways to save effort. Furthermore, a change creates an uncomfortable feeling so naturally we try to avoid this feeling by not changing, That's why we take the easy way, favor shortcuts, and default options and stick to our habits. And the more emotional a decision is or the more choices we have, the more we prefer the status quo

Sometimes the world is better off if one always defaults to option number two.

More options, even good ones, can freeze us and make us retreat to the default plan,

You can apply this simplification-by-restriction philosophy more broadly by automating as much of your life as possible. Automation restricts your options by eradicating decision points. Instead of choosing between a set of options, for example, you pursue a default option.

Stop wasting prayer on things you don’t need help with. Prayers aren’t for wants. They are for giving thanks. God will supply the needs that you cannot obtain on your own by default, so there is no need to ask. Just thank.

If you're automatically sure that you know what reality is, and you are operating on your default setting, then you, like me, probably won't consider possibilities that aren't annoying and miserable. But if you really learn how to pay attention, then you will know there are other options. It will actually be within your power to experience a crowded, hot, slow, consumer-hell type situation as not only meaningful, but sacred, on fire with the same force that made the stars: love, fellowship, the mystical oneness of all things deep down. Not that that mystical stuff is necessarily true. The only thing that's capital-T True is that you get to decide how you're gonna try to see it.

Fight or flight is bullshit. Flight is the default. Fight only happens when flight is not an option. Because fight requires a sharp committed mind that can think ten steps ahead.

Developing awareness, the ability to pay attention, and equanimity—the ability of non-reactivity—are a necessary condition for extrication from blind circular dynamics, which, in their absence, functions as a default option.

But most days, if you’re aware enough to give yourself a choice, you can choose to look differently at this fat, dead-eyed, over-made-lady who just screamed at her little child in the checkout line — maybe she’s not usually like this; maybe she’s been up three straight nights holding the hand of her husband who’s dying of bone cancer, or maybe this very lady is the low-wage clerk at the Motor Vehicles Dept. who just yesterday helped your spouse resolve a nightmarish red-tape problem through some small act of bureaucratic kindness. Of course, none of this is likely, but it’s also not impossible — it just depends on what you want to consider. If you’re automatically sure that you know what reality is and who and what is really important — if you want to operate on your default-setting — then you, like me, will not consider possibilities that aren’t pointless and annoying. But if you’ve really learned how to think, how to pay attention, then you will know you have other options. It will actually be within your power to experience a crowded, loud, slow, consumer-hell-type situation as not only meaningful but sacred, on fire with the same force that lit the stars — compassion, love, the sub-surface unity of all things. Not that that mystical stuff’s necessarily true: The only thing that’s capital-T True is that you get to decide how you’re going to try to see it. You get to consciously decide what has meaning and what doesn’t. You get to decide what to worship…

But most days, if you're aware enough to give yourself a choice, you can choose to look differently at this fat, dead-eyed, over-made-up lady who just screamed at her kid in the checkout line. Maybe she's not usually like this. Maybe she's been up three straight nights holding the hand of a husband who is dying of bone cancer. Or maybe this very lady is the low-wage clerk at the motor vehicle department, who just yesterday helped your spouse resolve a horrific, infuriating, red-tape problem through some small act of bureaucratic kindness. Of course, none of this is likely, but it's also not impossible. It just depends what you want to consider. If you're automatically sure that you know what reality is, and you are operating on your default setting, then you, like me, probably won't consider possibilities that aren't annoying and miserable. But if you really learn how to pay attention, then you will know there are other options. It will actually be within your power to experience a crowded, hot, slow, consumer-hell type situation as not only meaningful, but sacred, on fire with the same force that made the stars: love, fellowship, the mystical oneness of all things deep down. Not that that mystical stuff is necessarily true. The only thing that's capital-T True is that you get to decide how you're gonna try to see it. This, I submit, is the freedom of a real education, of learning how to be well-adjusted. You get to consciously decide what has meaning and what doesn't. You get to decide what to worship.

Make positive actions and behaviors the default option for you. That way, you wouldn’t even need to exert more effort choosing the better and more self-disciplined of two or more options—you already have a single course of action laid out in front of you and you only need to follow it.

The hallmark of originality is rejecting the default and exploring whether a better option exists. I’ve spent more than a decade studying this, and it turns out to be far less difficult than I expected. The starting point is curiosity: pondering why the default exists in the first place. We’re driven to question defaults when we experience vuja de, the opposite of déjà vu. Déjà vu occurs when we encounter something new, but it feels as if we’ve seen it before. Vuja de is the reverse—we face something familiar, but we see it with a fresh perspective that enables us to gain new insights into old problems.

It’s very possible to live life without disliking anyone. It’s all vibration. We can get to the point where ‘dislike’ does not even register as an option in the default settings of our minds. Some may wonder, ‘What does it matter if I like or dislike people?’ In my perception, it matters greatly since dislike influences our entire energetic body. It becomes part of our vibrational aura, what we’re emitting and receiving in return from the world. How we respond to the world is how the world will treat us.

The hallmark of originality is rejecting the default and exploring whether a better option exists.

ECONOMIC RULES OF THE DYSFUNCTIONAL MEDICAL MARKET More treatment is always better. Default to the most expensive option. A lifetime of treatment is preferable to a cure. Amenities and marketing matter more than good care. As technologies age, prices can rise rather than fall. There is no free choice. Patients are stuck. And they’re stuck buying American. More competitors vying for business doesn’t mean better prices; it can drive prices up, not down. Economies of scale don’t translate to lower prices. With their market power, big providers can simply demand more. There is no such thing as a fixed price for a procedure or test. And the uninsured pay the highest prices of all. There are no standards for billing. There’s money to be made in billing for anything and everything. Prices will rise to whatever the market will bear.

My best advice about writer’s block is: the reason you’re having a hard time writing is because of a conflict between the GOAL of writing well and the FEAR of writing badly. By default, our instinct is to conquer the fear, but our feelings are much, much, less within our control than the goals we set, and since it’s the conflict BETWEEN the two forces blocking you, if you simply change your goal from “writing well” to “writing badly,” you will be a veritable fucking fountain of material, because guess what, man, we don’t like to admit it, because we’re raised to think lack of confidence is synonymous with paralysis, but, let’s just be honest with ourselves and each other: we can only hope to be good writers. We can only ever hope and wish that will ever happen, that’s a bird in the bush. The one in the hand is: we suck. We are terrified we suck, and that terror is oppressive and pervasive because we can VERY WELL see the possibility that we suck. We are well acquainted with it. We know how we suck like the backs of our shitty, untalented hands. We could write a fucking book on how bad a book would be if we just wrote one instead of sitting at a desk scratching our dumb heads trying to figure out how, by some miracle, the next thing we type is going to be brilliant. It isn’t going to be brilliant. You stink. Prove it. It will go faster. And then, after you write something incredibly shitty in about six hours, it’s no problem making it better in passes, because in addition to being absolutely untalented, you are also a mean, petty CRITIC. You know how you suck and you know how everything sucks and when you see something that sucks, you know exactly how to fix it, because you’re an asshole. So that is my advice about getting unblocked. Switch from team “I will one day write something good” to team “I have no choice but to write a piece of shit” and then take off your “bad writer” hat and replace it with a “petty critic” hat and go to town on that poor hack’s draft and that’s your second draft. Fifteen drafts later, or whenever someone paying you starts yelling at you, who knows, maybe the piece of shit will be good enough or maybe everyone in the world will turn out to be so hopelessly stupid that they think bad things are good and in any case, you get to spend so much less time at a keyboard and so much more at a bar where you really belong because medicine because childhood trauma because the Supreme Court didn’t make abortion an option until your unwanted ass was in its third trimester. Happy hunting and pecking!

We can only create new connections between things that are already stored in our brains. The same applies to our settings. We can’t change our beliefs or habits to a different course of action if we don’t know our options. To change a default setting, then, you must first realize that there’s another way.

There is a new wave of interest in exploring how to frame choices so that people make better decisions. Richard Thaler and Cass Sunstein, professors of economics and law, respectively, teamed up to write Nudge: Improving Decisions About Health, Wealth, and Happiness, which advocates using defaults to nudge us to make better choices.9 Even when we are choosing in our own interests, we often choose unwisely. When employees have the option of participating in a retirement-savings scheme, many do not, despite the financial advantages of doing so. If their employer instead automatically enrolls them, giving them the choice of opting out, participation jumps dramatically

Up to that point I had always known logically that I could choose not to study law. But emotionally it had never been an option. That’s when I realized that in sacrificing my power to choose I had made a choice—a bad one. By refusing to choose “not law school,” I had chosen law school—not because I actually or actively wanted to be there, but by default. I think that’s when I first realized that when we surrender our ability to choose, something or someone else will step in to choose for us.

A more generous assessment of the learning styles movement is that, in attempting to address the inherent diversity of classrooms, it has broadened the range of pedagogical options available. As Jim Scrivener (2012: 106) argues, even if learning styles are simply unfounded hunches, ‘perhaps their main value is in offering us thought experiments along the lines of “what if this were true?” – making us think about the ideas and, in doing so, reflecting on our own default teaching styles and our own current understanding of learner differences and responses to them.

Of course, none of this is likely, but it's also not impossible. It just depends what you want to consider. If you're automatically sure that you know what reality is, and you are operating on your default setting, then you, like me, probably won't consider possibilities that aren't annoying and miserable. But if you really learn how to pay attention, then you will know there are other options. It will actually be within your power to experience a crowded, hot, slow, consumer-hell type situation as not only meaningful, but sacred, on fire with the same force that made the stars: love, fellowship, the mystical oneness of all things deep down. Not that that mystical stuff is necessarily true. The only thing that's capital-T True is that you get to decide how you're gonna try to see it. [...] The alternative is unconsciousness, the default setting, the rat race, the constant gnawing sense of having had, and lost, some infinite thing...

These crises are really a form of domestic default that governments employ in countries where financial repression is a major form of taxation. Under financial repression, banks are vehicles that allow governments to squeeze more indirect tax revenue from citizens by monopolizing the entire savings and payments system, not simply currency. Governments force local residents to save in banks by giving them few, if any, other options. They then stuff debt into the banks via reserve requirements and other devices. This allows the government to finance a part of its debt at a very low interest rate; financial repression thus constitutes a form of taxation. Citizens put money into banks because there are few other safe places for their savings. Governments, in turn, pass regulations and restrictions to force the banks to relend the money to fund public debt. Of course, in cases in which the banks are run by the government, the central government simply directs the banks to make loans to it.

NOT EVERYTHING JESUS TAUGHT must be regarded as a commandment. Take, for example, his encounter with a wealthy young man who wanted to know what he needed to do in order to obtain eternal life. Referring to the ten basic laws given to Moses, Jesus told him not to murder, not to commit adultery, not to steal, not to give false testimony, to honor his father and mother, and to love his neighbor as himself. The young man replied that he had been following those rules throughout his life, but then asked a second question, “What do I still lack?” Jesus responded, “If you want to be perfect, go, sell your possessions and give to the poor, and you will have treasure in heaven. Then come, follow me” (Matthew 19:16-20). This was more than his questioner could bear. He went away sad, unable to embrace so radical an invitation. It would be interesting to know what choices the young man made later in life. Perhaps he eventually became as poor as Saint Francis of Assisi. What is clear, however, is that the invitation Jesus gave him that day was not a commandment. It was what theologians sometimes have called a “counsel of perfection”—a teaching one may embrace but which is not a precondition for salvation for every Christian. In fact there are many saints included in the calendar of the church who had possessions and at least a few who were wealthy. Similarly, celibacy has always been a respected option for Christians—Jesus was unmarried—but it has always been seen as an option suitable only for a small minority of Christ’s followers. One cannot say that about love of enemies. It’s not in the “if you would be perfect” category. It’s basic Christianity. Jesus teaches it through direct instruction, through parables, and by the example given with his own life. Love of enemies is not our default setting. It’s a hard teaching, as hard for me as it is for anyone. Our natural inclination is to hate those who have done us harm or seem prepared to do so.

Hundreds of studies confirm that human forecasts are flawed and biased. Human decision making is not so great either. Again to take just one example, consider what is called the “status quo bias,” a fancy name for inertia. For a host of reasons, which we shall explore, people have a strong tendency to go along with the status quo or default option.

Dictionary Your Kindle includes one or more dictionaries for each supported language. After you have successfully registered your Kindle, all of your dictionaries will be available in the Dictionaries collection either on the Home screen or in the Cloud. Available dictionaries will differ depending on the language you select. To change your default dictionary: On the Home screen, tap the Menu button and select Settings. On the Settings page, select Device Options and then Language and Dictionaries. Select the Dictionaries option. The currently selected dictionary displays below the dictionary language. An arrow to the right of the language indicates that there are multiple dictionary options for that language. Tap the dictionary language to view all of the available dictionaries for that language. Use the radio buttons to select the dictionary that you want to use, and then tap the OK button. To look up the definition of a word while reading, press and hold to select the word. A dialog box displays with the definition of the word. The Smart Lookup feature integrates a full dictionary with X-Ray and Wikipedia so you can access definitions, characters, settings, and more without leaving your page. If the selected word is also an X-Ray topic, Smart Lookup will display the X-Ray tab. For more information, see X-Ray.

What happened here is decision paralysis. More options, even good ones, can freeze us and make us retreat to the default plan, which in this case was a painful and invasive hip-replacement surgery. This behavior clearly is not rational, but it is human.

When someone else has more privileges, they see that as a benefit to that person, rather than as a reason for being unhappy. When playing an opponent they want him to do well, rather than wishing a poor performance in order to win by default. They want to be victorious and effective on their own, rather than gaining through the shortcomings of others. They do not insist that everyone be equally endowed, but look inward for their happiness. They are not critics, nor do they take pleasure in other people’s misfortunes. They are too busy being, to notice what their neighbors are doing. Most significantly, these are individuals who love themselves. They are motivated by a desire to grow, and they always treat themselves well when given the option. They have no room for self-pity, self-rejection, or self-hate.

And this is what happens when you do nothing. When you choose the default option. You get stuck with a default life.

By default, your content is sorted by Recent, meaning that new items and the content you're currently reading are at the top. You can change the sort option by tapping on the name of the existing sort order in the header to display other available sort options. You can also sort items that you have stored in the Cloud.

remember that anytime you fail to say “no” to a non-essential, you are really saying yes by default. So once you have sufficiently explored your options, the question you should be asking yourself is not: “What, of my list of competing priorities, should I say yes to?” Instead, ask the essential question: “What will I say no to?” This

you have one of two options in life, you can either live by design or you can live by default.

thanks to the literature on cognition—that, counter to what everyone believes, not theorizing is an act—that theorizing can correspond to the absence of willed activity, the “default” option.

The impulsive, desire-driven child mind is tempered by the judicious, pragmatic adult mind, which says, “That’s not good for you,” or “Wait until later.” The adult mind reminds us to pause and assess the bigger picture, taking time to weigh the default reaction, decide if it’s appropriate, and propose other options. The intelligent parent knows what the child needs versus what it wants and can decide what is better for it in the long term.

By solely focusing on a single alternative, we fail to examine and eradicate the harm that gives rise to what we fear. And, we deserve options. “Option” stems from the Latin optare, meaning to “choose.” Police and prisons—the default responses today—are woefully insufficient because they don’t solve harm, they simply react to it.

Digital tools, on the other hand, shrink us down to a small set of options. Virtually all music software is made in the United States or Europe. These programs all tend to do the same thing, in varying amounts, and that thing defaults to a narrow concept of what music can or should be. It matters because more and more music is being made using this tiny number of systems. Software tools are never neutral. They reinforce their builders’ blind spots and biases and, once widely distributed, play an active role in maintaining those assumptions.

Not a lot of options, so Turnbull went with his default move. Kill ‘em all.

Present your proposal as the default option to boost its appropriateness.

admission to enter the park. Disney hotel guests get a MagicBand by default but may request a plastic Key to the World (KTTW) Card instead. If you’re staying off-site or you bought your admission through a third party, you can upgrade to a MagicBand for $13; otherwise you get a credit card–size laminated ticket. Like the MagicBand, the two card options use RFID.

Finally, I said, “You would get your feelings hurt and cry?” Laura reluctantly responded, “Yes. Why?” “Well …,” I hesitated, “I’m thinking that crying and getting my feelings hurt would be the brave option for me.” Laura sounded surprised. “What do you mean?” I explained the best I could. “Mean and nasty is my default setting. It doesn’t take courage for me to be shaming back. I can use my shame superpowers for evil in a split second. Letting myself feel hurt—that’s a totally different story. I think your default is my courage.

1.1M    ./scripts 58M     ./cloud9 74M     . You can also use tee to write the output to several files at the same time, as shown in this example: root@beaglebone:/opt# du ‐d1 ‐h | tee /tmp/1.txt /tmp/2.txt /tmp/3.txt Filter Commands (from sort to xargs) There are filtering commands, each of which provides a useful function: sort: This command has several options, including (‐r) sorts in reverse; (‐f) ignores case; (‐d) uses dictionary sorting, ignoring punctuation; (‐n) numeric sort; (‐b) ignores blank space; (‐i) ignores control characters; (‐u) displays duplicate lines only once; and (‐m) merges multiple inputs into a single output. wc (word count): This can be used to calculate the number of words, lines, or characters in a stream. For example: root@beaglebone:/tmp# wc < animals.txt  4  4 18 This has returned that there are 4 lines, 4 words, and 18 characters. You can select the values independently by using (‐l) for line count; (‐w) for word count; (‐m) for character count; and (‐c) for the byte count (which would also be 18 in this case). head: Displays the first lines of the input. This is useful if you have a very long file or stream of information and you want to examine only the first few lines. By default it will display the first 10 lines. You can specify the number of lines using the ‐n option. For example, to get the first five lines of output of the dmesg command (display message or driver message), which displays the message buffer of the kernel, you can use the following: root@beaglebone:/tmp# dmesg | head ‐n5   [    0.000000] Booting Linux on physical CPU 0x0   [    0.000000] Initializing cgroup subsys cpuset   [    0.000000] Initializing cgroup subsys cpu   [    0.000000] Initializing cgroup subsys cpuacct   [    0.000000] Linux version 3.13.4-bone5(root@imx6q-sabrelite-1gb-0) tail: This is just like head except that it displays the last lines of a file or stream. Using it in combination with dmesg provides useful output, as shown here: root@beaglebone:/tmp# dmesg | tail ‐n2   [   36.123251] libphy: 4a101000.mdio:00 - Link is Up - 100/Full   [   36.123421] IPv6:ADDRCONF(NETDEV_CHANGE): eth0:link becomes ready grep: A very powerful filter command that can parse lines using text and regular expressions. You can use this command to filter output with options, including (‐i) ignore case; (‐m 5) stop after five matches; (‐q) silent, will exit with return status 0 if any matches are found; (‐e) specify a pattern; (‐c) print a count of matches; (‐o) print only the matching text; and (‐l) list the filename of the file containing the match. For example, the following examines the dmesg output for the first three occurrences of the string “usb,” using ‐i to ignore case: root@beaglebone:/tmp# dmesg |grep ‐i ‐m3 usb   [    1.948582] usbcore: registered new interface driver usbfs   [    1.948637] usbcore: registered new interface driver hub   [    1.948795] usbcore: registered new device driver usb You can combine pipes together. For example, you get the exact same output by using head and displaying only the first three lines of the grep output: root@beaglebone:/tmp# dmesg |grep ‐i usb |head ‐n3   [    1.948582] usbcore: registered new interface driver usbfs   [    1.948637] usbcore: registered new interface driver hub   [    1.948795] usbcore: registered new device driver usb xargs: This is a very powerful filter command that enables you to construct an argument list that you use to call another command or tool. In the following example, a text file args.txt that contains three strings is used to create three new files. The output of cat is piped to xargs, where it passes the three strings as arguments to the touch command, creating three new files a.txt, b.txt,

The hallmark of originality is rejecting the default and exploring whether a better option exists. I’ve spent more than a decade studying this, and it turns out to be far less difficult than I expected. The starting point is curiosity: pondering why the default exists in the first place. We’re driven to question defaults when we experience vuja de, the opposite of déjà vu. Déjà vu occurs when we encounter something new, but it feels as if we’ve seen it before. Vuja de is the reverse—we face something familiar, but we see it with a fresh perspective that enables us to gain new insights into old problems. Without a vuja de event, Warby Parker wouldn’t have existed. When the founders were sitting in the computer lab on the night they conjured up the company, they had spent a combined sixty years wearing glasses. The product had always been unreasonably expensive. But until that moment, they had taken the status quo for granted, never questioning the default price. “The thought had never crossed my mind,” cofounder Dave Gilboa says. “I had always considered them a medical purchase. I naturally assumed that if a doctor was selling it to me, there was some justification for the price.” Having recently waited in line at the Apple Store to buy an iPhone, he found himself comparing the two products. Glasses had been a staple of human life for nearly a thousand years, and they’d hardly changed since his grandfather wore them. For the first time, Dave wondered why glasses had such a hefty price tag. Why did such a fundamentally simple product cost more than a complex smartphone? Anyone could have asked those questions and arrived at the same answer that the Warby Parker squad did. Once they became curious about why the price was so steep, they began doing some research on the eyewear industry. That’s when they learned that it was dominated by Luxottica, a European company that had raked in over $7 billion the previous year. “Understanding that the same company owned LensCrafters and Pearle Vision, Ray-Ban and Oakley, and the licenses for Chanel and Prada prescription frames and sunglasses—all of a sudden, it made sense to me why glasses were so expensive,” Dave says. “Nothing in the cost of goods justified the price.” Taking advantage of its monopoly status, Luxottica was charging twenty times the cost. The default wasn’t inherently legitimate; it was a choice made by a group of people at a given company. And this meant that another group of people could make an alternative choice. “We could do things differently,” Dave suddenly understood. “It was a realization that we could control our own destiny, that we could control our own prices.” When we become curious about the dissatisfying defaults in our world, we begin to recognize that most of them have social origins: Rules and systems were created by people. And that awareness gives us the courage to contemplate how we can change them. Before women gained the right to vote in America, many “had never before considered their degraded status as anything but natural,” historian Jean Baker observes. As the suffrage movement gained momentum, “a growing number of women were beginning to see that custom, religious precept, and law were in fact man-made and therefore reversible.

These crises are really a form of domestic default that governments employ in countries where financial repression is a major form of taxation. Under financial repression, banks are vehicles that allow governments to squeeze more indirect tax revenue from citizens by monopolizing the entire savings and payments system, not simply currency. Governments force local residents to save in banks by giving them few, if any, other options. They then stuff debt into the banks via reserve requirements and other devices. This allows the government to finance a part of its debt at a very low interest rate; financial repression thus constitutes a form of taxation. Citizens put money into banks because there are few other safe places for their savings. Governments, in turn, pass regulations and restrictions to force the banks to relend the money to fund public debt. Of course, in cases in which the banks are run by the government, the central government simply directs the banks to make loans to it

The hallmark of originality is rejecting the default and exploring whether a better option exists. I’ve

In response to current events, people often reach for historical analogies, and this occasion was no exception. The trick is to choose the right analogy. In August 2007, the analogies that came to mind—both inside and outside the Fed—were October 1987, when the Dow Jones industrial average had plummeted nearly 23 percent in a single day, and August 1998, when the Dow had fallen 11.5 percent over three days after Russia defaulted on its foreign debts. With help from the Fed, markets had rebounded each time with little evident damage to the economy. Not everyone viewed these interventions as successful, though. In fact, some viewed the Fed’s actions in the fall of 1998—three quarter-point reductions in the federal funds rate—as an overreaction that helped fuel the growing dot-com bubble. Others derided what they perceived to be a tendency of the Fed to respond too strongly to price declines in stocks and other financial assets, which they dubbed the “Greenspan put.” (A put is an options contract that protects the buyer against loss if the price of a stock or other security declines.) Newspaper opinion columns in August 2007 were rife with speculation that Helicopter Ben would provide a similar put soon. In arguing against Fed intervention, many commentators asserted that investors had grown complacent and needed to be taught a lesson. The cure to the current mess, this line of thinking went, was a repricing of risk, meaning a painful reduction in asset prices—from stocks to bonds to mortgage-linked securities. “Credit panics are never pretty, but their virtue is that they restore some fear and humility to the marketplace,” the Wall Street Journal had editorialized, in arguing for no rate cut at the August 7 FOMC meeting.

By definition, applying highly selective criteria is a trade-off; sometimes you will have to turn down a seemingly very good option and have faith that the perfect option will soon come along. Sometimes it will, and sometimes it won’t, but the point is that the very act of applying selective criteria forces you to choose which perfect option to wait for, rather than letting other people, or the universe, choose for you. Like any Essentialist skill, it forces you to make decisions by design, rather than default.

The hallmark of originality is rejecting the default and exploring whether a better option exists. I’ve spent more than a decade studying this, and it turns out to be far less difficult than I expected.

In many contexts defaults have some extra nudging power because consumers may feel, rightly or wrongly, that default options come with an implicit endorsement from the default setter, be it the employer, government, or TV scheduler. For this and other reasons, setting the best possible defaults will be a theme we explore often in the course of this book.

I like her,” Gracie said, the questions as clear as if she’d spoken them. Mitch gave the woman he’d come to think of as a sister a level-eyed stare, keeping his mouth shut. Gracie tilted her head to the side, sending her mop of blond curls flying. “How are you going to keep her?” “She lives in Chicago. I’m not keeping her.” He was temporarily borrowing her until she decided to hightail it to her real life. She gave a smug smile. “I meant keep her for now.” Mitch scrubbed a hand over his jaw, contemplating. “I’m not sure she has any other options.” “Don’t tell me you’re banking on that?” Gracie looked up to the ceiling as if exasperated by his complete stupidity. “A woman always has options, and she’ll think of plenty if you’re stupid enough to point out that she has to choose you by default.” Of course, Gracie was right. But he’d talked her into staying once; he could do it again. The question was, how? Mitch sat forward, placing his elbows on the table, his brain starting a slow, methodical spin. He took a sip of coffee and looked at Gracie. She practically danced in her chair. He rolled his eyes. “What’s on your mind?” “The way I see it,” Gracie said, not letting grass grow under her feet with any long dramatic silences, “her car’s broken down, and Tommy’s is closed today. That buys you a couple of days.” Immediately finding fault with her logic, Mitch shook his head. “Not necessarily. She has family. She could come to her senses and call them, and be gone by noon.” Just because she’d been adamant last night about not contacting them didn’t mean her justifications would hold true in the light of day. “I don’t think so.” Gracie peered behind him, looking thoughtful. “She told me she has no money.” Mitch pressed the bridge of his nose with his thumb and forefinger. The more he thought about it, the more he saw it as the most likely outcome. He’d only been able to convince her to come back to his house last night because she’d been tired, scared, and drunk. “There’s no way she’ll take any from me. What other option is there?” “One little hitch and you’re giving up?

Wage Garnishment Majority of students complete their education with student loan debt. Once you have graduated from college and stepinto the real world, you realize it isn’t as easy as it seemed. Student loan is one of the most difficult loans to repay and it also cannot be discharged into bankruptcy. Thus it has to be repaid!One thing that should always be kept in mind is to never skip your loan payments. If this happens and happens consecutively for months it will open doors to many other problems. It will put your loan in default; your entire loan amount and interest will become due immediately. It will adversely impact your credit score. We discuss Wage Garnishment with The Student Loan Help Center team, let’s see what they said about it. So What is wage garnishment? Wage garnishment happens when your loan is in default (you can consult The Student Loan help center if you want) i.e you have not paid the loan for consecutive 270 days. Now Wage garnishment is one of the legal consequences of going into default. Through this method the government starts deducting 15% of your income. That means you in hand income willreduce with only 85% coming in your bank account. However the amount of wage that can be garnished for private loandiffers from state to state since every state is not allowed to garnish the wages. How to avoid? As discussed before, wage garnishment happens only when your loan is in default. The department of education sends you one letter when you are in default. The best way to avoid this problem is to avoid going to default. There are numerous measures you can adopt right from very beginning to keep your loan repayment on track. For eg, starting to pay interest in your grace period, automating the process of monthly payments to get some discount from bank etc. Now what if you are in default or going in default, then the best option would be to consider forbearance or deferment which will stop your wages from being garnished. How can it be challenged? If you have just received the notice from Department of Education then you are given one opportunity to get a hearing and object to wage garnishment. You can challenge wage garnishment on following grounds: Your income Your employment Procedures followed to start the garnishment etc Also your wage garnishment cannot begin before the notice of 30 days. During this time period you request a hearing garnishment will be put on hold and if 30 days are over garnishment will not stop if you have won the hearing. One of the Best Student Loan consolidation services in USA is The Student Loan Help Center in Florida for all kind of Student Loan consultation you can contact any time.

After twenty years of unbelief, doubt had become a habit. Doubting was easy, routine; it was my natural, instinctive reaction. Somewhere along the line I had stopped considering any other options. Doubt was my default. So choosing the blessing, the miracle, over coincidence had to be a conscious choice. I had to dismiss doubt as the crutch that it was, dismiss my gut instinct and embrace the more challenging alternative.

decision paralysis. More options, even good ones, can freeze us and make us retreat to the default plan,

Tap to display a list of options. The menus are contextual, which means they change to offer appropriate options depending on what you're currently doing with the device. For example, on the Home screen of a Kindle with Special Offers, menu options may include Shop Kindle Store, View Special Offers, List or Cover View, Create New Collection, Sync and Check for Items, and Settings. Note that you can view content on the Home screen using the default cover view

Nonchoices are choices, too. And they are very telling choices at that. Each nonaction denotes a parallel action; each nonchoice, a parallel choice; each absence, a presence. Take the well-known default effect: more often than not, we stick to default options and don’t expend the energy to change, even if another option is in fact better for us. We don’t choose to contribute to a retirement fund —even if our company will match the contributions—unless the default is set up for contributing. We don’t become organ donors unless we are by default considered donors. And the list goes on. It’s simply easier to do nothing. But that doesn’t mean we’ve actually not done anything. We have. We’ve chosen, in a

In order to leverage the power of cloud computing across the Federal Government’s IT portfolio, the Administration established a “Cloud First” policy in the 25 Point Implementation Plan to Reform Federal Information Technology published in December of 20102. Under this policy, Federal agencies are required to “default to cloud-based solutions whenever a secure, reliable, cost-effective cloud option exists.

Tips to Manage your student loan by The Student Loan Help Center Managing Your Student Loans Apply these responsible financial management principles, as you repay your student loans: Consider the advantages of loan forgiveness programs. These programs are available to students who agree to work in high-need fields like nursing and education. Enrolling in the military often makes you eligible for loan forgiveness. Essentially, you commit to work or serve for a designated period of time, in exchange for complete or partial loan forgiveness. Make student loan payments on time. In some cases, your interest rate may qualify for reduction after you make a certain number of consecutive on-time payments. If you have a cosigner, he or she may also be released from responsibility for the loan, once you have exhibited a required level of consistency with your repayments. Defaulting on your student loans has far-reaching consequences, so it should never be an option. Manage your loan repayment schedule using online calculators. If you are considering a consolidation loan, use these tools to quickly determine your total loan repayment obligation. Take advantage of federal education tax incentives, like the student loan interest deduction and Hope Scholarship Credit. Student Loan Tips: Use student loans to supplement other financial aid awards, like grants and scholarships. Make sure to start a college savings plan as early as possible. College accounts like the 529 savings plans allow you to save pre-tax money for college. Understand the terms of your federal and private student loans, before you sign on. You will be bound to the conditions of your loans for many years. Don’t miss payments. Be proactive in protecting your credit, by contacting your lender before you default. You can consider consolidation loans, deferments and other accommodations of the available options, to keep your repayment schedule on track. For more Questions you can contact The Student Loan Help Center.

Forbearance or Deferment: Which Way to Go? Repaying student loan is a long journey as The Student Loan Help Center CEO, Bruce Mesnekoff said, at times you might face some potholes on the road, making your ride a bit difficult but there are some ways you can opt for help. Student loan forbearance and deferment are such two options which help you when you are facing money crunch and need some time to repay your student loans. Both of the options are specific to every individual depending on your financial state. Forbearance or deferment can be considered if you want to postpone your repayment for some duration or want to decrease the amount. Both of these are discussed in detail in this article. Forbearance Forbearance is used when you are facing monetary issues for a short period of time i.e. when you know you will come out of the money problems soon. Forbearance is provided for maximum period of one year at one time.Now there are two kinds of forbearance, mandatory and discretionary. When forbearance is must it’s called mandatory and this happens when: Your student loan repayment is 20% or more of your grossly monthly income. You are eligible for public loan forgiveness You are enrolled in dental internship or medical internship You are serving in a national service position Forbearance may or may not be provided by servicer if you are facing financial crunch or illness. One word of caution here would be to at least pay your interest every month because during forbearance you accruemonthly interest and if you don’t pay it as it gets added to principal. As a result you have to a pay huge amount at the end of the loan and also after forbearance is over to become current. Deferment Deferment also works onsimilar lines as forbearance. Though there is one advantage that subsidized direct loan, Perkins loans, federal Stafford loans do notaccrue interest during deferment, only non-subsidized loans accrue interest. You can defer loan repayment for the entire duration if you are in school or on military duty. If you are unemployed or facing any financial hardship the deferment period is of three years. You can qualify for deferment under following circumstances: If you are in school If you are on active military duty If you are qualifying for Perkins loan cancellation If you are unemployed If you are receiving federal or state assistance. Using deferment or forbearance is good option to keep your account “current” and save it from becoming delinquent or going in default. It saves your credit rating. If provided the opportunity to choose out of the two, always try and go for deferment if you can qualify for it as it’s more economical than forbearance. Contact The Student Loan Help Center to know more about Consolidation of your Student Loans.

Names A name is a letter optionally followed by one or more letters, digits, or underbars. A name cannot be one of these reserved words: abstract boolean break byte case catch char class const continue debugger default delete do double else enum export extends false final finally float for function goto if implements import in instanceof int interface long native new null package private protected public return short static super switch synchronized this throw throws transient true try typeof var volatile void while with Most of the reserved words in this list are not used in the language. The list does not include some words that should have been reserved but were not, such as undefined, NaN, and Infinity. It is not permitted to name a variable or parameter with a reserved word. Worse, it is not permitted to use a reserved word as the name of an object property in an object literal or following a dot in a refinement. Names are used for statements, variables, parameters, property names, operators, and labels.

What made the difference was how they obtained the browser. If you own a PC, Internet Explorer is built into Windows. If you’re a Mac user, your computer came preinstalled with Safari. Almost two thirds of the customer service agents used the default browser, never questioning whether a better one was available. To get Firefox or Chrome, you have to demonstrate some resourcefulness and download a different browser. Instead of accepting the default, you take a bit of initiative to seek out an option that might be better. And that act of initiative, however tiny, is a window into what you do at work.

When emerging markets cannot pay foreign debts, options vanish. Unavoidable defaults shut off access to global capital markets. Without access to capital, economies contract. Local currency becomes worthless. Printing more money invites inflation and hyperinflation. Poverty proliferates. Governments that cannot provide for their populations do not last long. Chaos opens the door to empty promises by authoritarians armed with populist slogans and freelance militias. Advanced economies are not invulnerable, as history has shown repeatedly. It’s worth noting that in 1899 cautious investors sought safety in one-hundred-year bonds issued by the Habsburg Empire that ruled Austria-Hungary. When the anarchist Gavrilo Princip assassinated Austria’s archduke Ferdinand in June 1914, an act that ignited World War I, sovereign Habsburg bonds were still holding their value relative to other European bonds. In other words, no experts saw the end coming. Within four years, the Habsburg Empire was history. Two decades later, the postwar debt and reparations bills that nearly smothered Germany helped usher in World War II.

Self-care has become a default way to maintain a sense of control in a chaotic world. I don't think the world has necessarily become more chaotic, but the idea of choice certainly has - there are so many options thrown at us daily, from both the marketplace and the internet- and amidst this chaos of choice, we double down: less willing to relinquish control over ourselves, our bodies, our careers.

1. Innovation: discovering innovative options instead of being forced to default to the status quo. 2. Adaptation: freedom of choice and flexibility to adapt to uncertainties instead of avoiding them because they weren’t part of the plan. 3. Audacity: having the audacity to seize opportunities, instead of neglecting them due to risk aversion and fear of the unknown.

A bank that can’t deliver enough hard money to meet the claims being made on it is in trouble whether it is a private bank or a central bank, though central banks have more options than private banks. That’s because a private bank can’t print the money or change the laws to make it easier to pay their debts, while some central banks can. Private banks must either default or get bailed out by the government when they get into trouble, while central banks can devalue their claims (e.g., pay back 50–70 percent) if their debts are denominated in their national currency. If the debt is denominated in a currency that they can’t print, then they too must ultimately default.

High-yield bonds—which Graham calls “second-grade” or “lower-grade” and today are called “junk bonds”—get a brisk thumbs-down from Graham. In his day, it was too costly and cumbersome for an individual investor to diversify away the risks of default.;1 (To learn how bad a default can be, and how carelessly even “sophisticated” professional bond investors can buy into one, see the sidebar on p. 146.) Today, however, more than 130 mutual funds specialize in junk bonds. These funds buy junk by the cartload; they hold dozens of different bonds. That mitigates Graham’s complaints about the difficulty of diversifying. (However, his bias against high-yield preferred stock remains valid, since there remains no cheap and widely available way to spread their risks.) Since 1978, an annual average of 4.4% of the junk-bond market has gone into default—but, even after those defaults, junk bonds have still produced an annualized return of 10.5%, versus 8.6% for 10-year U.S. Treasury bonds.2 Unfortunately, most junk-bond funds charge high fees and do a poor job of preserving the original principal amount of your investment. A junk fund could be appropriate if you are retired, are looking for extra monthly income to supplement your pension, and can tolerate temporary tumbles in value. If you work at a bank or other financial company, a sharp rise in interest rates could limit your raise or even threaten your job security—so a junk fund, which tends to outper-forms most other bond funds when interest rates rise, might make sense as a counterweight in your 401(k). A junk-bond fund, though, is only a minor option—not an obligation—for the intelligent investor.

When it comes time for us to decide what we should buy and how we should spend our free time, we expect ever more choice. And in order to try to make our way through all of the options we’ve created for ourselves, we’ve turned the whole world into an endless catalog of “picks and pans,” in which anything that isn’t deemed to be mind-blowing is regarded as useless. We no longer damn things with faint praise—we damn them with any praise that is less than ecstatic. Loving or loathing are the defaults—five stars or one.

Select between options based on opportunity cost models. Use the Pareto principle to find the 80/20 in any activity and increase your leverage at every turn. Recognize when you’ve hit diminishing returns and avoid negative returns. Use commitment and the default effect to avoid present bias, and periodic evaluations to avoid loss aversion and the sunk-cost fallacy.

Since many people take the path of least resistance, 401(k) programs also showcase the default effect, the effect stemming from the fact that many people just accept default options.

Wouldn’t I rather be a constant choice than a default option? Wouldn’t I rather choose her, choose the Axon, choose my life, again and again?

It’s just I finally get what revolution means. It’s maximum volatility with no hedging. And it’s insider trading too! Because, since I know in advance you’re going to default your people, I can buy put options up the wazoo before the IPPI goes down! It’s totally illegal! I finally get why revolution is illegal.

Instead of calls to action, the most innovative user experiences may be calls to inaction. (Design of default options is exceedingly important and superbly discussed in Richard Thaler and Cass Sunstein’s excellent Nudge.21) Web usability guru Steve Krug provocatively articulates this design sensibility in his heuristic, “Don’t Make Me Think.” Often the best way to get customers to appreciate an innovation experience is by not making demands on them. Don’t get in the way by offering to help. Engagement sometimes undermines a quality user experience. Eliminating choice frequently proves to be the best possible design choice. Because customers often prefer “mindless choices,” says Krug, minimalism is a virtue.

Michael wondered if his father had understood the fanaticism behind Liam’s diatribes. No middle way existed for Liam. He only accepted two options, good or bad. The Greens were English, so they were bad by default.

[P]lease don’t think that I’m giving you moral advice, or that I’m saying you are supposed to think this way, or that anyone expects you to just automatically do it. Because it’s hard. It takes will and effort, and if you are like me, some days you won’t be able to do it, or you just flat out won’t want to. But most days, if you’re aware enough to give yourself a choice, you can choose to look differently at this fat, dead-eyed, over-made-up lady who just screamed at her kid in the checkout line. Maybe she’s not usually like this. Maybe she’s been up three straight nights holding the hand of a husband who is dying of bone cancer. Or maybe this very lady is the low-wage clerk at the motor vehicle department, who just yesterday helped your spouse resolve a horrific, infuriating, red-tape problem through some small act of bureaucratic kindness. Of course, none of this is likely, but it’s also not impossible. It just depends what you want to consider. If you’re automatically sure that you know what reality is, and you are operating on your default setting, then you, like me, probably won’t consider possibilities that aren’t annoying and miserable. But if you really learn how to pay attention, then you will know there are other options. It will actually be within your power to experience a crowded, hot, slow, consumer-hell type situation as not only meaningful, but sacred, on fire with the same force that made the stars: love, fellowship, the mystical oneness of all things deep down.

Mastering this Essentialist skill, perhaps more than any other in this section, requires us to be vigilant about acknowledging the reality of trade-offs. By definition, applying highly selective criteria is a trade-off; sometimes you will have to turn down a seemingly very good option and have faith that the perfect option will soon come along. Sometimes it will, and sometimes it won’t, but the point is that the very act of applying selective criteria forces you to choose which perfect option to wait for, rather than letting other people, or the universe, choose for you. Like any Essentialist skill, it forces you to make decisions by design, rather than default. The benefits

call and put options, credit-default obligations (CDOs), and a whole host of exotic financial instruments available to traders these days. If you build up a lot of wealth, you may want to have your fiduciary look into some of these vehicles. But just realize that if you’re playing this game, you’re most likely no longer just an investor, you’ve become a speculator as well.

But if you want to keep your money safe, liquid, and earning interest, one option is a US Treasury money market fund with checking privileges. True, these funds aren’t insured by the FDIC, but because they are tied only to US government debt and not to any corporations or banks that might default, the only way you can lose your money is if the government fails to pay its short-term obligations. If that happens, there is no US government, and all bets are off anyway!

When you choose a big life, by default, you’ll have to go small to get there. You must survey your choices, narrow your options, line up your priorities, and do what matters most. You must go small. You must find your ONE Thing.

appropriate options depending on what you're currently doing with the device. For example, on the Home screen of a Kindle with Special Offers, menu options may include Shop in Kindle Store, View Special Offers, List or Cover View, Create New Collection, Sync and Check for Items, and Settings. Note that you can view content on the Home screen using the default cover view or by list view. When you're reading a book, menu

In Windows Server 2012 R2, Server Core is the default installation option for reasons other than simply providing administrators with the ability to switch options after installing. In Windows Server 2012 R2, Microsoft is attempting to fundamentally modify the way that administrators work with their servers. Server Core is now the default installation option because in the new way of managing servers, administrators should rarely, if ever, have to work at the server console, either physically or remotely.

The video was called The Clear Path and it followed the course of a life 40 years ago and the course of a life today. In the path 40 years ago the path was clear and obvious. The illustrated protagonists of the video did not need to spend time thinking about his sexuality or his gender or his religion. That same protagonist living life today was given options. What is your sexuality? What is your gender? How do you want to find connection and community? The point the video was making now was that there is no longer a clear path and that was more work. And at that point it was kind of pissing me off. I felt like it was making it seem like allowing for different kinds of people was a burden, but then the video turned it around. Over illustrated images of happy families of all sorts the narrator said 'The reality is the benefits of this far out weigh the costs. If we do not let people know that it is possible to be different the ones who are different will live their entire lives in a kind of cultural prison. And there are so many ways to be different that almost everyone ends up feeling imprisoned by some aspect of a society that only allows for the default path. The problem is that as progressives we pretend that there are no costs and that no one is losing anything. The video continued, but of course some people do lose, especially those whos power was tied up not in their wealth, but in fitting comfortably into the clear path. Now these people have only lost what they should lose, but that is also true of other forms of concentrated power. We are in a system that tells, for example, the wealthy, that they deserve all of their wealth and it should be protected through force. So, naturally the newly alienated feel singled out and victimized. The solution isn't going back to the one clear path. The solution is everywhere and always the decentralization and redistribution of all forms of power.

Wachovia Bank Foreclosures: Understanding the Process and What You Need to Know Wachovia Bank, once a prominent financial institution in the United States, was known for offering various financial services, including mortgage lending. However, like many other banks, Wachovia faced its challenges during the 2008 financial crisis, and its mortgage operations were affected. Many individuals found themselves facing foreclosure on loans held by Wachovia. Understanding the foreclosure process associated with Wachovia Bank and how it impacts homeowners can help individuals navigate this difficult situation. What Is Foreclosure? Foreclosure is the legal process by which a lender, such as Wachovia Bank, takes possession of a property from the homeowner who has defaulted on their mortgage payments. The process begins after the homeowner misses several payments, and the lender attempts to recover the outstanding loan balance by selling the property. In many cases, foreclosure results in the homeowner losing their property. The Wachovia Bank Foreclosure Process Although Wachovia Bank no longer operates under its original name (having been acquired by Wells Fargo in 2008), the foreclosure process involving Wachovia loans follows similar steps to those of other financial institutions. Here’s an overview of how the foreclosure process typically works: Missed Payments and Default Foreclosure begins when a homeowner misses several mortgage payments. Typically, the lender will send reminders and notices of default. If payments are not made within the stipulated time frame (usually after 90 days), the lender initiates formal foreclosure proceedings. Notice of Default After a homeowner defaults on their mortgage, the lender will send a Notice of Default (NOD). This notice serves as an official warning that the lender intends to foreclose on the property unless the homeowner can bring the mortgage payments up to date. Pre-Foreclosure and Auction If the homeowner does not resolve the arrears or reach an agreement with Wachovia (or Wells Fargo, as the case may be), the lender may initiate a foreclosure auction. This is when the property is put up for sale to recover the outstanding loan balance. The auction typically occurs at the county courthouse or through an online platform. Post-Foreclosure Sale If no buyer comes forward at the foreclosure auction, the property may become "bank-owned" or "REO" (Real Estate Owned) by Wells Fargo. In this situation, the bank will attempt to sell the property on the open market, often at a discounted price, to recover the debt. Potential Consequences of Wachovia Bank Foreclosures Loss of Property The most obvious consequence of foreclosure is the loss of the property. Homeowners will have to vacate the home and may be forced into temporary housing or an apartment. Credit Score Impact Foreclosure can significantly damage a homeowner's credit score, making it more difficult to secure future loans or obtain favorable interest rates. Deficiency Judgment In some cases, if the foreclosure sale does not cover the full mortgage balance, the lender may pursue a deficiency judgment against the homeowner for the remaining amount owed. However, laws regarding deficiency judgments vary by state. Options for Homeowners Facing Foreclosure While foreclosure may seem inevitable, homeowners with a loan serviced by Wachovia (now under Wells Fargo) have several options to avoid foreclosure: Loan Modification Homeowners can work with the lender to modify the terms of the loan, such as reducing the interest rate or extending the loan term. This may make the payments more affordable. Short Sale A short sale occurs when the homeowner sells the property for less than the mortgage balance with the lender's approval. This can help avoid foreclosure while minimizing the financial damage.

The potential problem with options is that executives can do things to goose the firm’s stock in the short run that are bad or disastrous for the company in the long run—after the CEO has sold tens of thousands of options for an astronomical profit. Michael Jensen, a Harvard Business School professor who has spent his career on issues related to management incentives, is even harsher than Paul Volcker. He describes options as “managerial heroin,” because they create an incentive for managers to seek short-term highs while doing enormous long-term damage.12 Studies have found that companies with large options grants are more likely to engage in accounting fraud and more likely to default on their debt.

[Dial.1.833.742.9500] How to upgrade quickbooks old version to new version after new updates? Upgrading QuickBooks from an older version to the latest one is essential for businesses that want to take advantage of improved features, enhanced security, and optimal performance. While QuickBooks makes it relatively easy to upgrade, the process can vary slightly depending on the version you're upgrading from and the type of QuickBooks product you have. In this guide, we will walk you through the steps involved in upgrading QuickBooks, address some common concerns, and answer frequently asked questions (FAQs) to ensure a smooth transition. Why Upgrade QuickBooks? Before diving into the steps, it's important to understand the benefits of upgrading to the latest version of QuickBooks New Features and Functionality: Each new version of QuickBooks introduces features that can improve your business's accounting processes, such as advanced reporting, integration with third-party tools, and improved data entry options. Security Updates: New versions typically include security patches that protect your financial data from threats, ensuring compliance with data protection laws. Performance Enhancements: Newer versions are optimized for better performance, meaning your QuickBooks experience will be faster and more reliable. Support for New Technologies: Upgrading allows your QuickBooks software to remain compatible with newer operating systems and other software you use. Support for Advanced Accounting: New versions often include features like payroll updates, multi-user support, and project management tools that simplify accounting for growing businesses. How to Upgrade QuickBooks from an Old Version to a New Version Step 1: Determine Compatibility and Requirements Before upgrading, check if your computer meets the system requirements for the version you are upgrading to. Different versions of QuickBooks require specific operating systems (Windows or macOS), memory (RAM), and processor capabilities. Visit QuickBooks' official website to review the system requirements for the version you plan to upgrade to. Ensure that your hardware and operating system are compatible with the newer version of QuickBooks. Step 2: Backup Your Company File It’s critical to back up your QuickBooks company file before upgrading to ensure that no data is lost. Here's how: Open QuickBooks and log into your company file. Go to the File menu and select Back Up. Follow the on-screen instructions to create a backup and save it in a secure location. Tip: If you're using QuickBooks Desktop in a multi-user setup, make sure all users are logged out before you perform the backup. Step 3: Download the New Version To upgrade, you'll need to download the latest version of QuickBooks. If you already have a subscription to QuickBooks Pro Plus, Premier Plus, or Enterprise, you can simply download the latest update from within the application. Go to the QuickBooks Downloads & Updates page on Intuit’s website. Choose the version of QuickBooks you are upgrading to. Click Download and save the file to your computer. If you don't have a subscription and need to purchase the latest version, go to the QuickBooks website and select the version that fits your needs. QuickBooks offers several options such as QuickBooks Pro, Premier, and Enterprise. Step 4: Install the New Version Once you've downloaded the latest version of QuickBooks, follow these steps to install it: Locate the installation file you downloaded and double-click it to start the installation. Follow the on-screen instructions to complete the installation. You may be asked to accept the license agreement and choose the installation type (either typical or custom). During installation, select where you want to install QuickBooks, or accept the default location. After installation, restart your computer to ensure all system changes take effect.

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