Dummy Account Quotes

When we can’t hold back, or set boundaries, on what comes from our lips, our words are in charge—not us. But we are still responsible for those words. Our words do not come from somewhere outside of us, as if we were a ventriloquist’s dummy. They are the product of our hearts. Our saying, “I didn’t mean that,” is probably better translated, “I didn’t want you to know I thought that about you.” We need to take responsibility for our words. “But I tell you that men will have to give account on the day of judgment for every careless word they have spoken” (Matt. 12:36).

Think of your energy requirements as a bank account. You make deposits when you consume calories. You make withdrawals when your body spends energy on work. Nutritionists divide the amount of energy you withdraw each day into two parts: The energy you need when your body is at rest The energy you need to do your daily “work” To keep your energy account in balance, you need to take in enough each day to cover your withdrawals. As a general rule, infants and adolescents burn more energy per pound than adults do, because they’re continually making large amounts of new tissue. Similarly, an average man burns more energy than an average woman because his body is larger and has more muscle (see the upcoming section “Sex,

to look around. At first sight, the apartment was perfectly ordinary. He made a quick circuit of the living room, kitchenette, bathroom, and bedroom. The place was tidy enough, but with a few items strewn here and there, the sort of things that might be left lying around by a busy person—a magazine, a half-finished crossword puzzle, a book left open on a night table. Abby had the usual appliances—an old stove and a humming refrigerator, a microwave oven with an unpronounceable brand name, a thirteen-inch TV on a cheap stand, a boom box near a modest collection of CDs. There were clothes in her bedroom closet and silverware, plates, and pots and pans in her kitchen cabinets. He began to wonder if he’d been unduly suspicious. Maybe Abby Hollister was who she said she was, after all. And he’d taken a considerable risk coming here. If he was caught inside her apartment, all his plans for the evening would be scotched. He would end up in a holding cell facing charges that would send him back to prison for parole violation. All because he’d gotten a bug up his ass about some woman he hardly knew, a stranger who didn’t mean anything. He decided he’d better get the hell out. He was retracing his steps through the living room when he glanced at the magazine tossed on the sofa. Something about it seemed wrong. He moved closer and took a better look. It was People, and the cover showed two celebrities whose recent marriage had already ended in divorce. But on the cover the stars were smiling over a caption that read, Love At Last. He picked up the magazine and studied it in the trickle of light through the filmy curtains. The date was September of last year. He put it down and looked at the end tables flanking the sofa. For the first time he noticed a patina of dust on their surfaces. The apartment hadn’t been cleaned in some time. He went into the kitchen and looked in the refrigerator. It seemed well stocked, but when he opened the carton of milk and sniffed, he discovered water inside—which was just as well, since the milk’s expiration period had ended around the time that the People cover story had been new. Water in the milk carton. Out-of-date magazine on the sofa. Dust everywhere, even coating the kitchen counters. Abby didn’t live here. Nobody did. This apartment was a sham, a shell. It was a dummy address, like the dummy corporations his partner had set up when establishing the overseas bank accounts. It could pass inspection if somebody came to visit, assuming the visitor didn’t look too closely, but it wasn’t meant to be used. Now that he thought about it, the apartment was remarkable for what

In West's guide, rule-of-thumb guidance comes in two formats that most valuation experts recognize:  Percentage of annual sales: If a business had total sales of $ 100,000 last year and the multiple for that business was 40 percent of annual sales, the price based on that particular rule of thumb would be $ 40,000.  Multiple of earnings: An earnings multiplier makes the most sense to prospective buyers. It directly addresses the buyer's motive to make money: to achieve a return on investment. In many small companies, this multiple is commonly used against what is known as seller's discretionary earnings (SDE), which are earnings before accounting for the following items: • Income taxes • Nonrecurring income and expenses • Nonoperating income and expenses • Depreciating an amortization • Interest expense or income • Owner's total compensation for one owner/ operator after adjusting the total compensation of all owners to market value

Human Bulldozer (The Sonnet) I am no Gandhi, that I'd sit quietly and spin a wheel, While people suffer in the clutches of imperialism. I am no Guevara either, that I would shoot anyone, Who looks suspicious, in my revolution for freedom. Gandhi and Guevara are two extremes of human struggle, One glorifies submission, another heralds new oppression. Neither is fit for an infant world aiming to be civilized, For one lacks backbone, the other weaponizes assumption. We may take a little from Gandhi, a little from Guevara, Without rigidity we may administer them accordingly. I am an accountable human living in a world run by biases, So most times I'll keep quiet and act as a harmless dummy. But whenever inhumanity goes overboard wreaking havoc, The human bulldozer will rise to cleanse every epoch.

USING YOUR NEST EGG TO DELAY CLAIMING If you’re fortunate enough to have a nest egg and you want to retire, you can consider withdrawing more savings up front as a way to hold off starting your Social Security benefit. But does the strategy make sense? It well may, and there are some important things to keep in mind. Social Security benefits go up about 7 percent for each year they are not claimed between age 62 and your full retirement age. Wait longer and the reward grows even more: Benefits increase 8 percent annually for each year they are not claimed between full retirement age and 70. Are your financial resources adequate to support your lifestyle without Social Security, so you can delay claiming and lock in the income gains I just described? The issue can get complicated, and those interested may want to talk it over with a financial advisor. Among the considerations are the following: The tax bite: A portion of your Social Security benefit may be subject to income tax (though at least 15 percent is tax free for everyone). Withdrawals from (non-Roth) Individual Retirement Accounts will surely have tax implications. But some research has shown that withdrawing more up front may reduce the tax bite later. Check your situation with an expert. Family income: Is your spouse eligible for Social Security based on his or her work record? This increases your options. Just know that your total income may affect whether your Social Security benefits are subject to income tax, how much, and whether it makes sense to delay claiming. (See Chapter 13 for a discussion of income tax rules and Social Security, including provisional income.) Your investments: Consider reasonable rates of return, including your appetite for risk, in weighing the pros and cons of delaying a claim for Social Security. It’s extremely difficult to beat Social Security’s guaranteed returns. Finally, a note of caution (and common sense): If your nest egg is modest, the strategy of withdrawing savings to delay Social Security may be unwise, because it’s important to have a cushion. Be realistic when calculating how much of a cushion you need.

That’s right. The Bible, at its heart, is an account of the “life and times” of God. In fact, if we were to write a one-sentence summary of the biblical drama, it would read something like this: The Bible tells the story of God and His relationship with His creation — most particularly, humankind — which He initiates through a series of covenants.

regression as dummy variables Explain the importance of the error term plot Identify assumptions of regression, and know how to test and correct assumption violations Multiple regression is one of the most widely used multivariate statistical techniques for analyzing three or more variables. This chapter uses multiple regression to examine such relationships, and thereby extends the discussion in Chapter 14. The popularity of multiple regression is due largely to the ease with which it takes control variables (or rival hypotheses) into account. In Chapter 10, we discussed briefly how contingency tables can be used for this purpose, but doing so is often a cumbersome and sometimes inconclusive effort. By contrast, multiple regression easily incorporates multiple independent variables. Another reason for its popularity is that it also takes into account nominal independent variables. However, multiple regression is no substitute for bivariate analysis. Indeed, managers or analysts with an interest in a specific bivariate relationship will conduct a bivariate analysis first, before examining whether the relationship is robust in the presence of numerous control variables. And before conducting bivariate analysis, analysts need to conduct univariate analysis to better understand their variables. Thus, multiple regression is usually one of the last steps of analysis. Indeed, multiple regression is often used to test the robustness of bivariate relationships when control variables are taken into account. The flexibility with which multiple regression takes control variables into account comes at a price, though. Regression, like the t-test, is based on numerous assumptions. Regression results cannot be assumed to be robust in the face of assumption violations. Testing of assumptions is always part of multiple regression analysis. Multiple regression is carried out in the following sequence: (1) model specification (that is, identification of dependent and independent variables), (2) testing of regression assumptions, (3) correction of assumption violations, if any, and (4) reporting of the results of the final regression model. This chapter examines these four steps and discusses essential concepts related to simple and multiple regression. Chapters 16 and 17 extend this discussion by examining the use of logistic regression and time series analysis. MODEL SPECIFICATION Multiple regression is an extension of simple regression, but an important difference exists between the two methods: multiple regression aims for full model specification. This means that analysts seek to account for all of the variables that affect the dependent variable; by contrast, simple regression examines the effect of only one independent variable. Philosophically, the phrase identifying the key difference—“all of the variables that affect the dependent variable”—is divided into two parts. The first part involves identifying the variables that are of most (theoretical and practical) relevance in explaining the dependent

When you download an app from the Windows Store app, you can usually run it on up to eighty-one (yes, 81) PCs or devices — as long as you’re signed in to those PCs or devices with your Windows account. (Some apps may raise or lower that number.)

Windows 10 no longer offers guest accounts. These days, most visitors arrive toting their own smartphones, tablets, or both.

Each transaction goes in the appropriate journal in chronological order. The entry should include information about the date of the transaction, the accounts to which the transaction was posted, and the source material used for developing the transaction.

If you don't want to share your highlighted passages with Amazon, turn off the Annotations Backup option in the Reading Options page under Settings. If you do this, your annotations aren't backed up by Amazon, and they won't appear on other devices registered to your Amazon account.

Take Brooksley Born, former chair of the Commodity Futures Trading Commission (CFTC), who waged an unsuccessful campaign to regulate the multitrillion-dollar derivatives market. Soon after the Clinton administration asked her to take the reins of the CFTC, a regulatory backwater, she became aware of the over-the-counter (OTC) derivatives market, a rapidly expanding and opaque market, which she attempted to regulate. According to a PBS Frontline special: "Her attempts to regulate derivatives ran into fierce resistance from then-Fed Chairman Alan Greenspan, then-Treasury Secretary Robert Rubin, and then-Deputy Treasury Secretary Larry Summers, who prevailed upon Congress to stop Born and limit future regulation." Put more directly by New York Times reporter Timothy O'Brien, "they ... shut her up and shut her down." Mind you, Born was no dummy. She was the first female president of the Stanford Law Review, the first woman to finish at the top of the class, and an expert in commodities and futures. But because a trio of people who were literally en-titled decided they knew what was best for the market, they dismissed her call for regulation, a dismissal that triggered the financial collapse of 2008. To be fair to Greenspan et al., their resistance was not surprising. According to psychologists Hillel Einhorn and Robin Hogarth, "we [as human beings] are prone to search only for confirming evidence, and ignore disconfirming evidence." In the case of Born, it was the '90s, the markets were doing well, and the country was prospering; it's easy to see why the powerful troika rejected her disconfirming views. Throw in the fact that the disconcerting evidence was coming from a "disconfirming" person (i.e., a woman), and they were even more likely to disregard the data. In the aftermath, Arthur Levitt, former chairman of the SEC, said, "If she just would have gotten to know us... maybe it would have gone a different way."12 Born quotes Michael Greenberg, the director of the CFTC under her, as saying, "They say you weren't a team player, but I never saw them issue you a uniform." We like ideas and people that fit into our world-view, but there is tremendous value in finding room for those that don't. According to Paul Carlile and Clayton Christensen, "It is only when an anomaly is identified—an outcome for which a theory can't account that an opportunity to improve theory occurs."13 One of the ways you'll know you are coming up against an anomaly is if you find yourself annoyed, defensive, even dismissive, of a person, or his idea.

and from work? Name the channel Carpooling. Or do you want to create a channel for accounting and another for human resources? Name them Accounting and Human Resources, respectively. Or perhaps a group of people want to discuss the new policy of allowing pets in the office. Create a channel called Pets. You get the point. A channel can contain multiple conversations happening at the same time. To try to make these conversations easier to follow, Teams groups them together in what are known as threads. A thread is simply a topic of conversation. When someone types a brand-new message, it appears in

Olark or Intercom Acquire,

On maneuvers, designated ships would pull dummy targets ten, fifteen, sometimes twenty miles out from where our ships were. The targets were the size of a five-room house, and we could hit the target three out of five times from twenty miles away. To give perspective, a man with an unaided eye can see roughly only twelve miles when at sea, to where the horizon disappears. The shell goes eight miles past that. They weighed anywhere from 1,800 to 2,500 pounds; they were so big you could see them flying through the air. The purpose of these big guns was to pound a site. To hit it again and again and again until it was pummeled. It could be a beachhead, or a fortress in the hills overlooking that beach.

but I did hear some things about his speech that I think bear repeating: 1. He is a strong believer that people who talk too much seem to have bad luck. 2. People who do not return phone calls promptly do not seem to make the grade at a highly profitable firm. 3. People who object to end runs will never make it in football, or with successful investment banking firms. Certain groups do need to observe a “chain of command” atmosphere, but highly motivated, intelligent people do not need this handcuff. 4. A firm that has enthusiastic receptionists and telephone operators starts off with a tremendous advantage over the dummies of the world. Keep in mind that the first impression people receive from Bear Stearns is with those associates. 5. If a business person has to ask his accounting department if he is making a profit, he will not be in business very long.

A cash flow statement is simple to calculate because you can easily track what goes in and what goes out. Income statements are a little different (especially for businesses) because they take into account things that aren’t technically cash flow (such as depreciation or amortization).

Erica had taught me how to log into the school system with a dummy account so that the school computers thought I was in Kuala Lumpur, rather than only a few miles away.

The important point about international business is that these firms have account payables or receivables in foreign currencies. A change in the exchange rate makes their payables or receivables in domestic currency smaller or larger in terms of their home currency.

like that. Many of the mighty cities of North Africa like El Djem in what is now Tunisia were left to decay in peace. Even today they have massive ruins. El Djem has its vast Roman amphitheatre. Orange, in southern France, has a Roman theatre and an aqueduct. Athens has a vast Roman temple of Zeus and a library built by the emperor Hadrian (AD 117–138), who passed this way on his travels (see Chapter 17). Baalbek in the Lebanon has two colossal temples, and one of them – the temple of Bacchus – is still practically intact. Rome itself remained home to some of the most enormous ruins: The Colosseum, the city’s biggest amphitheatre, is still largely in one piece (see Chapter 8); the ruins of the imperial palaces still cluster across the Palatine Hill, and the baths of Caracalla look like a giant’s cave complex. The Aurelian walls of Rome, built in the 270s (see Chapter 19 for information on the emperor Aurelian), still surround most of Rome. The survival of Roman books Roman writers were all hugely influential in different ways, but it’s thanks to the survival of their texts that we know what we do about the Roman world. Consider these examples: Cicero (Marcus Tullius Cicero) (106–43 BC): Cicero was a great orator, lawyer, and statesman. Well aware of his importance, he published his speeches, treatises on government (De Re Publica), duty (De Officiis), the nature of gods (De Deorum Natura), and also a vast collection of his private correspondence. A great deal survives and he had a huge influence on thought and literature in early modern times. Caesar (Gaius Julius Caesar) (100–44 BC): Caesar wrote his own account of his war in Gaul (Bellum Gallicum), and also part of his civil war with Pompey (Bellum Civile). The texts are famous for sounding objective (though they aren’t at all), and for their spare, terse style, but are exceptional historical resources for the time. To find out more about Julius Caesar, go to Chapter 14. Catullus

Process Description Plan You need to estimate how many hamburgers you are going to make, decide where you are going to make them, and determine what your supply chain priorities are. You may need to choose whether to focus on quality and freshness, customer service and convenience, or low cost. These choices will influence the other decisions and trade-offs that you make throughout the supply chain. Source You need to decide where you will buy your ingredients and supplies. You need to negotiate with your suppliers to get the best prices, along with the best quality and service. It might be better to have suppliers that are close by, so that transporting products is fast and cheap. Or it might make sense to choose suppliers that are farther away but can provide the products at a lower cost or in larger quantities. Make You need to manage the process of making your hamburgers. It will help if you can define the stages of your manufacturing process and how long each stage will take. You may also need to decide whether you should make the hamburgers by hand or buy a machine that can make them better, faster, and cheaper than a person can. Deliver You need to manage the logistics of getting your hamburgers into your customers’ hands. That means you’ll need to decide whether you want customers to pick up their hamburgers at a counter or employ a server to carry the hamburgers to the table. Or perhaps you need to have a drive-through window, or deliver your hamburgers to your customers’ homes or offices. Return For many products, it’s important to think about what will happen to them after your customer is finished using them. In the case of hamburgers, you may need to think about washing the plates and recycling napkins. Enable Last but not least, you need to decide what else you need to make the supply chain work. You may need to hire people with specific skills, which means you need to think about how you will find them and how you will measure their performance. And there may be other processes that you need to have in place for your supply chain to achieve its goals, such as marketing programs or accounting policies.

some accounts initially refused to stock into a word-of-mouth bestseller. And for the next three years they bought For Dummies books, millions of them. And wrote us letters (maybe not millions of them, but lots). They thanked us for teaching them how to use their computer, their operating system, their applications. And they asked For Dummies books to apply those technologies to their lives. Our first response in 1994 was Personal Finance For Dummies, another bestseller. This coincided with another debut in 1994, the first World Wide Web conference, held in Geneva, Switzerland. The Web was introducing the Internet to computer users, and the role of the PC/Mac in peoples’ lives was changing again. Computing devices became microwave ovens of information, allowing people everywhere to explore every area of human interest and endeavor. So Internet For Dummies was published that year, winning a first-place award from the Computer Press Association. And so we looked beyond computing itself, to the areas of work and life the Internet could touch, to expand our list and reach. Our reach also expanded beyond the U.S., and even the English-speaking world. Before the

he had traced through three changes of carrier and found a place to do his intermediate computing. The comsats rented processor time almost as cheaply as ground stations, and an automatic payment transaction (through several dummy accounts set up over the last several years) gave him sole control of a large data space within milliseconds of his request.