Discounted Price Quotes

There's no such thing as a normal life. Some lives are just more interesting than others, and we shouldn't judge people for being boring. —Evelyn Price

I couldn't resist another grin. "So...is there a family discount?" "Hell, no. Nash is paying full price. Plus tip.

Didn't we talk about this?" "HAIL!" "That isn't an answer." I planted my hands on my hips. "Was there a reason for shoving the gummy bears off the counter? Did they tell you they were suicidal? On second thought," I raised a hand, palm out, "don't answer that. If the candy is talking, I don't want to know.

I’ll give you 50% off for half a year, or 100% off for a whole year. At these bargain discount prices, my love won’t last forever.

Do not compromise on the quality and your customers will not negotiate on the price.

You should always pay full price for a haircut, but if you have the chance to buy discount therapy you should grab it, because the markup on that shit is insane.

Am I suggesting that you must feel sorry for divorce lawyers and prepare to pay every penny of their fees? Of course not! You deserve justice, and the lawyer can be lured into delivering said justice at a seriously discounted price!

Soon a whole guild of low-priced shrine keepers around Europe named their own pope - Boldface the Relatively Shameless, Discount Pope of Prague. The price war was on [...] The Retail Pope would offer cheesy bacon toppings on the Host with communion and the Discount Pope would counter with topless nun night for midnight mass.

The morgue is the Mullah's mint: Why hang on to life in this world when our guardians are discounting the price of life and selling martyr's tickets to paradise?

it’s easy to get rich by getting a state asset at a deep discount.

Buying something for less than its value. In my opinion, this is what it’s all about—the most dependable way to make money. Buying at a discount from intrinsic value and having the asset’s price move toward its value doesn’t require serendipity; it just requires that market participants wake up to reality. When the market’s functioning properly, value exerts a magnetic pull on price.

When you get a day off from painful routine, you feel happy. When somebody quotes double price and then gives a little discount, you feel happy. Happiness is a trick. Seek freedom, not happiness. Then you will also get freedom to create your own happiness.

Solitary confinement, where no others are in the prisoner's space, always has a calming effect. Violence from passengers on aircraft increased during the 1990's when the airlines started packing people close together in the seats to compensate for revenue lost as a result of price discounting.

The starting point for ‘discounts’ may be the manufacturer’s suggested retail price (MSRP), an arbitrarily high price that no one will ever pay. By crossing out the high MSRP, retailers are handing shoppers a psychological victory that will make them feel good about the purchase, even if the discounted price is still expensive.

In SEO, the price you set anchors the value you’re perceived to deliver—don’t discount your expertise

Too many people want to have mountaintop experiences at rock-bottom prices and that just doesn't work. Greatness doesn't come at a discount. If you want true greatness, you have to pay the full price for it.

I like how grocery stores play music while I'm shopping. Vintage pop really makes me want to pay full price and avoid looking for discounts. I need to implement that financial psychology here on my duck farm.

Dating is all about getting to know somebody, without wasting a lot of time or money. What is the price of love? You’ve got the cost of dinner, a movie, and cab fare for you and your date, as well as the entire film crew documenting your evening. So you add all that up, and subtract various coupons and bulk discount rates you might qualify for. But what about time? You can make more money, but you can’t make more time if you waste it. That’s why you have to be efficient with your dating. Don’t date one on one. Take 10 women out at once, assembly line style, and forget the small talk. Focus on hard-hitting topics, and give them all questionnaires to fill out. I think the women will appreciate your honest and novel approach. Of course it’s possible that nine out of ten women might be offended. But who cares? All you need is one.


Look for growth situations with low price-earnings multiples. If the growth takes place, there’s often a double bonus—both the earnings and the multiple rise, producing large gains. Beware of very high multiple stocks in which future growth is already discounted. If growth doesn’t materialize, losses are doubly heavy—both the earnings and the multiples drop.

What are you doing?” Tiffany sked. Holding the cap, I faced her. “I have to wear the cap to get a discounted price on the barbecue.” She snatched the cap from between my fingers. “You’re not ruining my creation with a baseball hat. Pay full price. Beauty isn’t cheap.

Ironically, the rich who can afford extravagance are the ones who benefit the most from cheap commodities. They buy bulk and get robust discounts. They have what it takes to trap a valuable possession when it is reduced to a fling away price, due to desperation. Thus the rich keep getting richer.

I was targeting good real estate assets overburdened by excessive debt. Well, I began seeing similar scenarios unfold in the corporate world and realized I could provide equity to those companies for a stake at a discounted price, and that would help them position themselves for when the market recovered.

These differing emphases explain a lot—for example, the classical liberal view is that everyone has equal rights to happiness; rightists instead discount fairness in favor of expedient authority, generating the classical conservative view that some socioeconomic inequality is a tolerable price for things running smoothly.

Quinns always come at half price, about half the time, and half-naked, even during the colder half of winter. A Quinn is like a queen, but draggier, and cheaper to buy and use for personal gain, unless you’re suspicious that you’re poor and illiterate like Jarod Kintz, in which case Quinns could be the spirits of your dead relatives, come to haunt you until you gather a massive fortune through selling books on the internet, to send some back in time through a portal you bought from the NSA, so they would have lived better lives without having to move a finger for their fortune. Oh, yah, and since they aren’t - they’re blue, like smurfs, yet they turn purple whenever tickled on the belly, which is something they seem to rather dislike, since they start biting and scratching when it happens, for no good reason, I might add.

If enough dishonest merchants water their milk, more and more customers will forget what normal milk tastes like and buy only the cheaper - watered down - variety.

... but she believed and that was the price of belief. It gave no discounts to friendship (p370)

The key to getting a discount is timing. Always negotiate on price before you pay.

Allowing for the two types of year (leap and normal), and the seven possible days a year can start on, there are only fourteen calendars to choose from. When I was shopping for a 2019 calendar (non–leap year, starting on a Tuesday), I knew it would be the same as the one for 2013, so I could pick up a secondhand one at a discount price. Actually, for some retro charm, I hunted down one from 1985.

Our advantage, rather, was attitude: we had learned from Ben Graham that the key to successful investing was the purchase of shares in good businesses when market prices were at a large discount from underlying business values.

Each new acquisition emboldened Putin. At the end of 2005, Gazprom hiked the price of natural gas it delivered to Ukraine from a heavily discounted $50 per 1,000 cubic meters to $230, in line with prices charged in the rest of Europe. The increase was transparent retribution for Yushchenko’s flirtation with the West after taking power. Putin

Customer: This book has a couple of tears to some of the pages. Me: Yes, unfortunately some of the older books haven’t had as much love as they should have done from previous owners. Customer: So, will you lower the price? It says here it’s £20. Me: I’m sorry but we take into account the condition of the books when we price them; if that book was in a better condition, it would be worth a lot more than £20. Customer: Well, you can’t have taken this tear here into account *points to page* or this one here *points to another page* because my son did those two minutes ago. Me: So, the book is now more damaged than it was before, because of your son? Customer: Yes. Exactly. So will you lower the price?

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Early on in the top, some parts of the credit system suffer, but others remain robust, so it isn’t clear that the economy is weakening. So while the central bank is still raising interest rates and tightening credit, the seeds of the recession are being sown. The fastest rate of tightening typically comes about five months prior to the top of the stock market. The economy is then operating at a high rate, with demand pressing up against the capacity to produce. Unemployment is normally at cyclical lows and inflation rates are rising. The increase in short-term interest rates makes holding cash more attractive, and it raises the interest rate used to discount the future cash flows of assets, weakening riskier asset prices and slowing lending.

When Russia had disputes with neighbors such as Ukraine over gas prices, it did not hesitate to cut off gas supplies as a form of economic power. Later, when a more sympathetic government came to power in Ukraine, Russia used the lure of heavily discounted gas prices to obtain the extension of its lease of a naval base in Ukraine, thus complicating the prospect that Ukraine might one day join NATO.

...mass market consumption offers the facade of social equality without forcing society to go through the hard work of redistributing wealth. Low prices lead consumers to think they can get what they want without necessarily giving them what they want - or need. The ancient Roman phrase for this is panem et circenses, bread and circuses, the art of plying citizens with pleasures to distract them from pain.

The renowned British philosopher Alfred North Whitehead recognized this inescapable quality of modern life when he asserted that “civilization advances by extending the number of operations we can perform without thinking about them.” Take, for example, the “advance” offered to civilization by the discount coupon, which allows consumers to assume that they will receive a reduced purchase price by presenting the coupon.

As he reached for his Visa card, the security monitor next to the register caught Billy in all his glory: football burly but slump-shouldered, his pale face with its exhaustion-starred eyes topped with half a pitchfork’s worth of prematurely graying hair. He was only forty-two, but that crushed-cellophane gaze of his combined with a world-class insomniac’s posture had once gotten him into a movie at a senior citizen’s discount.

There is nothing esoteric about value investing. It is simply the process of determining the value underlying a security and then buying it at a considerable discount from that value. It is really that simple. The greatest challenge is maintaining the requisite patience and discipline to buy only when prices are attractive and to sell when they are not, avoiding the short-term performance frenzy that engulfs most market participants.

It may feel awkward at first, and there may be any number of obstacles. In addition to the obstructions that arise as we inch into this inner mothering, we may be stopped before we start by a discounting voice (a critical parent or protector most likely) saying, “This is ridiculous.” Its tactic is to deny the need. “You’re making a mountain out of a molehill.” “It wasn’t that bad. Just buck up.” Here is where being aware of parts comes as an advantage. Only if we can recognize that this is a part speaking up—a part that has an agenda—will we have a choice to bracket these thoughts and move forward with our intention. One of the next barriers we may face is a feeling of inadequacy. If you were not well mothered, you can easily feel that you haven’t a clue how to do it. You’re uncomfortable, you don’t know what to say or do, and you feel phony trying what doesn’t come naturally. This is enough to stop you right here. If you succeed in making an authentic connection with the undermothered parts within yourself, you may be struck by a sense of guilt that you have inadvertently continued the abandonment by not showing up earlier. No one likes to feel the sharp pain of causing harm to another. And just as I’ve mentioned earlier that a mother may unconsciously keep a distance from a child so as not to arouse her own hurt, you may feel that opening up the locked-away pain in your heart is too high a price to pay for reconnecting with child parts inside you.

You’re just going to throw the h-house wenches out into the streets?” she asked with forced calm. “They’ll be dismissed with generous parting sums as a reward for their labors on the club’s behalf.” “Do you intend to hire new ones?” Sebastian shook his head. “While I have no moral aversion to the concept of prostitution— in fact, I’m all for it— I’m damned if I’ll become known as a pimp.” “A what?” “A pimp. A cock bawd. A male procurer. For God’s sake, did you have cotton wool stuffed in your ears as a child? Did you never hear anything, or wonder why badly dressed women were parading up and down the club staircase at all hours?” “I always visited in the daytime,” Evie said with great dignity. “I rarely saw them working. And later, when I was old enough to understand what they were doing, my father began to curtail my visits.” “That was probably one of the few kind things he ever did for you.” Sebastian waved away the subject impatiently. “Back to the subject at hand… not only do I not want the responsibility of maintaining mediocre whores, but we don’t have the room to accommodate them. On any given night, when all the beds are occupied, the club members are forced to take their pleasures out in the stables.” “They are? They do?” “And it’s damned scratchy and drafty in that stable. Take my word for it.” “You—” “However, there is an excellent brothel two streets over. I have every expectation that we can come to an arrangement with its proprietress, Madame Bradshaw. When one of our club members desires female companionship, he can walk to Bradshaw’s, receive their services at a discounted price, and return here when he’s refreshed.” He raised his brows significantly, as if he expected her to praise the idea. “What do you think?” “I think you would still be a cock bawd,” Evie said. “Only by stealth.” “Morality is only for the middle classes, sweet. The lower class can’t afford it, and the upper classes have entirely too much leisure time to fill.

In his early essay on consumer behavior, Thaler described the debate about whether gas stations would be allowed to charge different prices for purchases paid with cash or on credit. The credit-card lobby pushed hard to make differential pricing illegal, but it had a fallback position: the difference, if allowed, would be labeled a cash discount, not a credit surcharge. Their psychology was sound: people will more readily forgo a discount than pay a surcharge. The two may be economically equivalent, but they are not emotionally equivalent.

Some time ago, I decided to go watch firsthand one of the most infamous acts of raw, unabashed, supply-and-demand capitalism in action. I am talking, of course, about Filene’s Basement’s “Running of the Brides”—an event that has been held annually since 1947 and is the department store’s answer to the famous “Running of the Bulls” in Pamplona, Spain. Instead of watching thousand-pound bulls trampling and goring foolhardy humans, I observed about a thousand blushing brides-to-be (and their minions) trampling one another in a mass grab for discount-priced

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On our farm, the food we raised reflected our true cost of production. When we set our prices, we did exactly what every other business in America did... ...why does the food in the supermarkets cost less? ... Much of this food was already discounted, I explained, paid for in advance by government subsidies. Tax dollars, the same taxes that were taken out of my friends' paychecks before they received them, were used to partially pay for this food before it ever arrived at the supermarket. This "cheap" food was expensive, too. Unbeknownst to them, (they) were simply purchasing it on an installment plan.

One example of a high-tech company that submits to a Graham type of analysis is Amazon.com. Though it does business exclusively on the Web, Amazon is essentially a retailer, and it may be evaluated in the same way as Wal-Mart, Sears, and so forth. The question, as always, is, does the business provide an adequate margin of safety at a given market price. For much of Amazon’s short life, the stock was wildly overpriced. But when the dot-com bubble burst, its securities collapsed. Buffett himself bought Amazon’s deeply discounted bonds after the crash, when there was much fearful talk that Amazon was headed for bankruptcy. The bonds subsequently rose to par, and Buffett made a killing.

While I won’t go into exactly how it works here, the most defining characteristics of bubbles that can be measured are: Prices are high relative to traditional measures Prices are discounting future rapid price appreciation from these high levels There is broad bullish sentiment Purchases are being financed by high leverage Buyers have made exceptionally extended forward purchases (e.g., built inventory, contracted for supplies, etc.) to speculate or to protect themselves against future price gains New buyers (i.e., those who weren’t previously in the market) have entered the market Stimulative monetary policy threatens to inflate the bubble even more (and tight policy to cause its popping)

Price mostly meanders around recent price until a big shift in opinion occurs, causing price to jump up or down. This is crudely modeled by quants using something called a jump-diffusion process model. Again, what does this have to do with an asset’s true intrinsic value? Not much. Fortunately, the value-focused investor doesn’t have to worry about these statistical methods and jargon. Stochastic calculus, information theory, GARCH variants, statistics, or time-series analysis is interesting if you’re into it, but for the value investor, it is mostly noise and not worth pursuing. The value investor needs to accept that often price can be wrong for long periods and occasionally offers interesting discounts to value.

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mark-down, which discounts the selling price to customers and, so long as demand is ‘elastic’, results in increased sales of the product line. However, this is an expensive method of selling products, as it reduces the profit achieved on the products. In fact mark-down is the single largest cost to a fashion retail business after the cost of the products themselves. It is worth remembering at this point that the main – and frequently only – source of income for a fashion retailer is the profit from the sales of its products. Less profit per garment means less income to pay its bills. Furthermore, this tactic is less effective when general trading conditions are poor, as the competition is usually doing the same thing. It is vital then that the fashion retailer knows what its customers want and are expecting. Problems in defining and then keeping up with changing customer needs and expectations are arguably the most important factor in successful selling. Large retail businesses like Marks & Spencer

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The Proofs Human society has devised a system of proofs or tests that people must pass before they can participate in many aspects of commercial exchange and social interaction. Until they can prove that they are who they say they are, and until that identity is tied to a record of on-time payments, property ownership, and other forms of trustworthy behavior, they are often excluded—from getting bank accounts, from accessing credit, from being able to vote, from anything other than prepaid telephone or electricity. It’s why one of the biggest opportunities for this technology to address the problem of global financial inclusion is that it might help people come up with these proofs. In a nutshell, the goal can be defined as proving who I am, what I do, and what I own. Companies and institutions habitually ask questions—about identity, about reputation, and about assets—before engaging with someone as an employee or business partner. A business that’s unable to develop a reliable picture of a person’s identity, reputation, and assets faces uncertainty. Would you hire or loan money to a person about whom you knew nothing? It is riskier to deal with such people, which in turn means they must pay marked-up prices to access all sorts of financial services. They pay higher rates on a loan or are forced by a pawnshop to accept a steep discount on their pawned belongings in return for credit. Unable to get bank accounts or credit cards, they cash checks at a steep discount from the face value, pay high fees on money orders, and pay cash for everything while the rest of us enjoy twenty-five days interest free on our credit cards. It’s expensive to be poor, which means it’s a self-perpetuating state of being. Sometimes the service providers’ caution is dictated by regulation or compliance rules more than the unwillingness of the banker or trader to enter a deal—in the United States and other developed countries, banks are required to hold more capital against loans deemed to be of poor quality, for example. But many other times the driving factor is just fear of the unknown. Either way, anything that adds transparency to the multi-faceted picture of people’s lives should help institutions lower the cost of financing and insuring them.

Shareholders have a residual claim on a firm’s assets and earnings, meaning they get what’s left after all other claimants—employees and their pension funds, suppliers, tax-collecting governments, debt holders, and preferred shareholders (if any exist)—are paid. The value of their shares, therefore, is the discounted value of all future cash flows minus those payments. Since the future is unknowable, potential shareholders must estimate what that cash flow will be; their collective expectations about the future determine the stock price. Any shareholders who expect that the discounted value of future equity earnings of the company will be less than the current price will sell their stock. Any potential shareholders who expect that the discounted future value will exceed the current price will buy stock. This means that shareholder value has almost nothing to do with the present. Indeed, present earnings tend to be a small fraction of the value of common shares. Over the past decade, the average yearly price-earnings multiple for the S&P 500 has been 22x, meaning that current earnings represent less than 5 percent of stock prices.

What was the Sherlock Holmes principle? ‘Once you have discounted the impossible, then whatever remains, however improbable, must be the truth.’” “I reject that entirely,” said Dirk, sharply. “The impossible often has a kind of integrity to it which the merely improbable lacks. How often have you been presented with an apparently rational explanation of something which works in all respects other than one, which is just that it is hopelessly improbable? Your instinct is to say, ‘Yes, but he or she simply wouldn’t do that.’” “Well, it happened to me today, in fact,” replied Kate. “Ah yes,” said Dirk, slapping the table and making the glasses jump, “your girl in the wheelchair – a perfect example. The idea that she is somehow receiving yesterday’s stock market prices apparently out of thin air is merely impossible, and therefore must be the case, because the idea that she is maintaining an immensely complex and laborious hoax of no benefit to herself is hopelessly improbable. The first idea merely supposes that there is something we don’t know about, and God knows there are enough of those. The second, however, runs contrary to something fundamental and human which we do know about. We should therefore be very suspicious of it and all its specious rationality.

I still think of myself as someone who is interested in the experience of beauty, but I would never describe myself (except to you, in this email) as ‘interested in beauty’, because people would assume that I meant I was interested in cosmetics. This I guess is the dominant meaning of the word ‘beauty’ in our culture now. And it seems telling that this meaning of the word ‘beauty’ signifies something so profoundly ugly—plastic counters in expensive department stores, discount pharmacies, artificial perfumes, eyelash extensions, jars of ‘product’. Having thought about it just now, I think the beauty industry is responsible for some of the worst ugliness we see around us in our visual environment, and the worst, most false aesthetic ideal, which is the ideal of consumerism. All its various trends and looks ultimately signify the same principle—the principle of spending. To be open to aesthetic experience in a serious way probably requires as a first step the complete rejection of this ideal, and even a wholesale reaction against it, which if it seems to require at first a kind of superficial ugliness is still better by far and more substantively ‘beautiful’ than purchasing increased personal attractiveness at a price. Of course I wish that I personally were better-looking, and of course I enjoy the validation of feeling that I do look good, but to confuse these basically auto-erotic or status-driven impulses with real aesthetic experience seems to me an extremely serious mistake for anyone who cares about culture. Have the two things ever been more widely or deeply confused at any period in history before?

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