Fee Best Quotes

Who is the best marshal they have?' The sheriff thought on it for a minute. He said, 'I would have to weigh that proposition. There is near about two hundred of them. I reckon William Waters is the best tracker. He is a half-breed Comanche and it is something to see, watching him cut for sign. The meanest one is Rooster Cogburn. He is a pitiless man, double-tough, and fear don't enter into his thinking. He loves to pull a cork. Now L.T. Quinn, he brings his prisoners in alive. He may let one get by now and then but he believes even the worst of men is entitled to a fair shake. Also the court does not pay any fees for dead men. Quinn is a good peace officer and a lay preacher to boot. He will not plant evidence or abuse a prisoner. He is straight as a string. Yes, I will say Quinn is about the best they have.' I said, 'Where can I find this Rooster?

There will never be another Dark-Hunter who goes free. Your happiness comes at the expense of their freedom because there’s no one else I want to barter with. No one else to pay the fee you set up centuries ago. Knowing that, I hope you sleep well at night. (Artemis) (Artemis leaves.) But what about the Dark-Hunters? (Acheron) The one thing I’ve learned most out of all this is that it’s not over until all the cards are played. She laid down her ace, thinking we can’t beat it. But there are fifty-one other cards in the deck and the game isn’t over yet. We’ll figure something out. Her little fit fight now just shows that she’s played her best hand. That was all she’s capable of doing to hurt you, which is exactly why she did it. Don’t let her ruin your day, baby, and don’t let her take from us what we have. We’ve gotten this far together. What’s another bitter goddess to us? Like my papou always says, over, under, around, or through. There’s always a way and we’ll find it. (Tory)

The best of my education has come from the public library... my tuition fee is a bus fare and once in a while, five cents a day for an overdue book. You don't need to know very much to start with, if you know the way to the public library.

There is a club in this world that you do not join knowingly. One day you are just a member. It is “The life changing events club.” The fee to join the club is hurt beyond belief, payable in full, up front for a lifetime membership. The benefit of the club is a new found perspective on life, and a deep understanding that you may not be happy about your current situation, but you can be happy in your current situation. The only rule to the club is that you cannot tell anyone that you are a member. The club does not provide a directory of its members, but when you look into a member’s eye, you can tell that they too are part of the club. Members are allowed to exchange that brief eye contact that says: “I didn’t know.” Being a member of this club is the last thing that anyone initially wants in their life. Being a member of this club is the best thing that ever happens to a person in their life, and there is not a person in the club that would ever give up their membership. If you really look and know what you are looking for you can spot the clubs members; they are the ones that provide a random act of kindness and do something for someone who can never repay them for what they have done. They are the people spreading joy and optimism and lifting people’s spirits even when their own heart has been broken. I have paid my dues; my lifetime membership arrived today, not by mail, but by a deep inner feeling that I cannot describe. It is the best club that I never wanted to be part of. But I am glad that I am a member.

In the nineteenth century the Industrial Revolution created new conditions and problems that none of the existing social, economic, and political models could cope with. Feudalism, monarchism, and traditional religions were not adapted to managing industrial metropolises, millions of uprooted workers, or the constantly changing nature of the modern economy. Consequently, humankind had to develop completely new models—liberal democracies, communist dictatorships, and fascist regimes—and it took more than a century of terrible wars and revolutions to experiment with these models, separate the wheat from the chaff, and implement the best solutions. Child labor in Dickensian coal mines, the First World War, and the Great Ukrainian Famine of 1932–33 constituted just a small part of the tuition fees humankind had to pay.

Man, this is the best fucking wedding I’ve ever been to,” Sasha blurted out, taking a gulp of his drink. “We should do this more often. Vasili’s wedding was a fucking bore. But this… fuck, yeah! Invite me to all your weddings. Drama, suspense, threatening bride… it’s the whole package without paying a subscription fee.

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Don’t accept contingency fees or “pay for performance”; you’re not a trained animal act. Variables are often outside your control, and besides, you’re being paid for your best advice. It’s up to the client to implement it effectively.

Did you know that all the best people belong to country clubs? If you can afford the $75,000 fee to get in and if you don’t mind people coming to check out your house and if you think it’s OK to post your name in the clubhouse for approval from all the other members and you feel it is obscene to show your shoulders, you will definitely get in and be surrounded by the best people in town

Give more time to your loved ones; the best things in life are free, and loved ones are the greatest gift you get without a fee.

How could they afford to pay the sum of 600 that was the admission fee at MIT?

18 NEVER PAY YOUR LAWYER BY THE HOUR Incentive Super-Response Tendency To control a rat infestation, French colonial rulers in Hanoi in the nineteenth century passed a law: for every dead rat handed in to the authorities, the catcher would receive a reward. Yes, many rats were destroyed, but many were also bred specially for this purpose. In 1947, when the Dead Sea scrolls were discovered, archaeologists set a finder’s fee for each new parchment. Instead of lots of extra scrolls being found, they were simply torn apart to increase the reward. Similarly, in China in the nineteenth century, an incentive was offered for finding dinosaur bones. Farmers located a few on their land, broke them into pieces and cashed in. Modern incentives are no better: company boards promise bonuses for achieved targets. And what happens? Managers invest more energy in trying to lower the targets than in growing the business. These are examples of the incentive super-response tendency. Credited to Charlie Munger, this titanic name describes a rather trivial observation: people respond to incentives by doing what is in their best interests. What is noteworthy is, first, how quickly and radically people’s behaviour changes when incentives come into play or are altered and, second, the fact that people respond to the incentives themselves and not the grander intentions behind them.

Stocks are the things to own over time. Productivity will increase and stocks will increase with it. There are only a few things you can do wrong. One is to buy or sell at the wrong time. Paying high fees is the other way to get killed. The best way to avoid both of these is to buy a low-cost index fund, and buy it over time. Be greedy when others are fearful, and fearful when others are greedy, but don’t think you can outsmart the market. “If a cross-section of American industry is going to do well over time, then why try to pick the little beauties and think you can do better? Very few people should be active investors.

erring on the side of the client when it comes to fees. Because you’re interested in a long-term relationship with a client, it is in your best interest to show them that you are more focused on helping them than you are in maximizing your short-term revenue.

The faux university also did not have professors, not even part-time adjunct professors, and the “faculty” (as they were called) were certainly not “the best of the best.” They were commissioned sales people, many with no experience in real estate. One managed a fast food joint, as Senator Marco Rubio would point out during the March 3 Republican primary debate in 2016. Two other instructors were in personal bankruptcy while collecting fees from would-be Trump University graduates eager to learn how to get rich. Trump

There is a story that Simonides was dining at the house of a wealthy nobleman named Scopas at Crannon in Thessaly, and chanted a lyric poem which he had composed in honor of his host, in which he followed the custom of the poets by including for decorative purposes a long passage referring to Castor and Pollux; whereupon Scopas with excessive meanness told him he would pay him half the fee agreed on for the poem, and if he liked he might apply for the balance to his sons of Tyndaraus, as they had gone halves in the panegyric. The story runs that a little later a message was brought to Simonides to go outside, as two young men were standing at the door who earnestly requested him to come out; so he rose from his seat and went out, and could not see anybody; but in the interval of his absence the roof of the hall where Scopas was giving the banquet fell in, crushing Scopas himself and his relations underneath the ruins and killing them; and when their friends wanted to bury them but were altogether unable to know them apart as they had been completely crushed, the story goes that Simonides was enabled by his recollection of the place in which each of them had been reclining at table to identify them for separate interment; and that this circumstance suggested to him the discovery of the truth that the best aid to clearness of memory consists in orderly arrangement. He inferred that persons desiring to train this faculty must select localities and form mental images of the facts they wish to remember and store those images in the localities, with the result that the arrangement of the localities will preserve the order of the facts, and the images of the facts will designate the facts themselves, and we shall employ the localities and images respectively as a wax writing tablet and the letters written on it.

Warren Buffett, chairman of Berkshire Hathaway and investor of legendary repute: "Most investors, both institutional and individual, will find that the best way to own common stocks is through an index fund that charges minimal fees. Those following this path are sure to beat the net results (after fees and expenses) delivered by the great majority of investment professionals.

What happened next is perhaps one of my favorite Angela stories ever. Still a little stung by our Ivy experience, Angela was determined to salvage a “star” moment for us. She coyly said to the photographer, “Do you know who she is? She’s Pam from The Office.” He looked at us blankly. Angela then motioned to the group. “We are the ladies of The Office.” Still nothing. Angela pushed harder. “On NBC. The Office. On NBC.” Finally, the guy’s face lit up. “Are you serious?!” But he didn’t raise his camera. Instead, he reached into his pocket and produced a business card. He said, “Here’s my card. If you ever want to tip me off on when celebrities will be out and about, I’ll give you a finder’s fee.” It took us a minute until we all collectively realized that he thought we worked IN AN OFFICE at NBC. OMG. We died.

I have this dream in which I am standing on the subway platform and the train is delayed. It has taken entirely too long in coming. And I think maybe, just maybe, I should leave the station and look for a taxi. But I am afraid that the moment I leave, the train will come. When people do ask why I haven’t left New York, this is my best answer... what I do know is that I will leave NY with different dreams than this with which I first arrived. Smaller dreams, simpler dreams - an extra set of hands.

Funny how you never hear novelists or painters say they work in the 'creative industries', but only squalid little advertising people. How could this be? (.....) If you listen to advertisers, you'd think they're the fucking Oracle and that for a fee they'll slip you the Answer. They are obsessed with being seen as 'creative', but what they do seems rather to be 'parasitical' : pinching cultural innovations and using them to persuade people that they want stuff. So there's a dilemma for us all to think 'creatively' about.

Villainessa Tittel was a hired killer, an assassin by trade. She had enjoyed the best education and had been trained by assassins who had (until then at least) been considered the best in the business. She had turned to ‘cleaning’ as an occupation because she really enjoyed endings more than beginnings – and anyway, she didn’t need to know her mark’s entire pedigree or life’s story, or to have some kind of facetious moral justification just to collect her fee. Unsurprisingly, when she did read – on those rare occasions – her books were always dog-eared from the back.

Albeit nurtured in democracy, And liking best that state republican Where every man is Kinglike and no man Is crowned above his fellows, yet I see, Spite of this modern fret for Liberty, Better the rule of One, whom all obey, Than to let clamorous demagogues betray Our freedom with the kiss of anarchy. Wherefore I love them not whose hands profane Plant the red flag upon the piled-up street For no right cause, beneath whose ignorant reign Arts, Culture, Reverence, Honor, all things fade, Save Treason and the dagger of her trade, Or Murder with his silent bloody fee.

Oh, but it is!" said Dot. "You see, I've taken many, many writing workshops. You'd be surprised how many." No I wouldn't, thought Amy, although she would be surprised if any of the other classes had actually encouraged critical reading. Dot was ideal prey for the sort of writing guru who praised everybody's use of metaphor whenever a metaphor, however exhausted, was actually used. No doubt Dot had been told more than once that her work was publishable, and Dot, hearing identical assurances given to others, had believed in her heart of hearts that she was the only one not being patronized. There was a local industry devoted to Dots: weekend writing conferences, during which the Dots could pay extra to have a real-live literary agent actually read one of their paragraphs; expensive weeklong retreats in Anza-Borrego or Julian or Ensenada, where the Dots could locate their inner voices; and at least three annual fiction-writing contests which the Dots could enter at will, for a hefty fee. Amy was willing to bet that in Dot's living room an entire wall was devoted to framed literary awards, including Third Runner-Up Best Unpublished Romance Manuscript.

why I hate Wells Fargo and Bank of America. These big banks are pieces of shit. They rip you off, charge near-extortionate fees, and use deceptive practices to beat down the average consumer. Nobody will speak up against them because everyone in the financial world wants to strike a deal with them. I have zero interest in deals with these banks. If you use them, don’t. You’re asking to be mistreated if you do. Google “Ramit best accounts” for the best checking and savings accounts and credit cards. I make no money from these recommendations. I just want you to avoid getting ripped off.

Imagine you are very good at a particular game. Pick anything—chess, Street Fighter, poker—doesn’t matter. You play this game with friends all the time, and you always win. You get so good at it, you start to think you could win a tournament. You get online and find where the next regional tournament is; you pay the entrance fee and get your ass handed to you in the first round. It turns out, you are not so smart. All this time, you thought you were among the best of the best, but you were really just an amateur. This is the DunningKruger effect, and it’s a basic element of human nature

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Mmph,” the officer glanced up from their South African passports, green mambas, her best friend Keletso called them, because they’d bite you with visa fees for all the countries you’re not allowed to sommer just go to. “And you’re returning to South Africa after your vacation?” “Yes, that’s where we live,” proud of the hard fact of it. Away from everyday Nazis and school shootings so regular they were practically part of the academic calendar along with prom and football season, away from the slow gutting of democracy, trigger-happy cops, and the terror of raising a black son in America. But how can you live there, people would ask her (and Devon, her American husband, especially), meaning Johannesburg. Isn’t it dangerous? And she wanted to reply, how can you live here?

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He knew how to work a crowd and how to package himself as a celebrity. It didn’t matter what the press said about him, he told an associate. “The main thing is that they mention us.” Now let us contemplate one simple but remarkable fact: the Nazis charged entrance fees to Hitler’s speeches! Is there any other politician of the twentieth century who would be considered worth spending money to hear? Churchill at his best, perhaps, though not on so regular a basis as Hitler or with his frequency. Churchill wasn’t the polished performer that Hitler was—just think of the difference in their body language. And before Donald Trump, perhaps, it’s impossible to imagine any modern American candidate for office asking people to pay for the privilege of listening to him try to win their political support.

In the nineteenth century the Industrial Revolution created new conditions and problems that none of the existing social, economic and political models could cope with. Feudalism, monarchism and traditional religions were not adapted to managing industrial metropolises, millions of uprooted workers, or the constantly changing nature of the modern economy. Consequently humankind had to develop completely new models – liberal democracies, communist dictatorships and fascist regimes – and it took more than a century of terrible wars and revolutions to experiment with these models, separate the wheat from the chaff, and implement the best solutions. Child labour in Dickensian coal mines, the First World War and the Great Ukrainian Famine of 1932–3 constituted just a small part of the tuition fees humankind paid.

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It was in Cleveland that Magic Slim became the most successful pornographic film producer in America. His training center was a key link in a human trafficking supply chain stretching from the former Soviet Republics in Eastern Europe to the United States. Trafficking accounts for an estimated $32 billion in annual trade with sex slavery and pornographic film production accounting for the greatest percentage. The girls arrived at Slim’s building young and naive, they left older and wiser. This was a classic value chain with each link making a contribution.  Slim’s trainers were the best, and it showed in the final product. Each class of girls was judged on the merits. The fast learners went on to advanced training. They learned proper etiquette, social skills and party games. They learned how to dress, apply makeup and discuss world events.  Best in-class were advertised in international style magazines with code words. These codes were known only to select clients and certain intermediaries approved by Slim. This elaborate distribution system was part of Slim’s business model, his clients paid an annual subscription fee for the on-line dictionary. The code words and descriptions were revised monthly.  An interested client would pay an access fee for further information that included a set of professional  photographs, a video and voice recordings of the model addressing the client by name.  Should the client accept, a detailed travel itinerary was submitted calling for first class travel and accommodation.  Slim required a letter of understanding spelling out terms and conditions and a 50% deposit. He didn’t like contracts, his word was his bond, everyone along the chain knew that. Slim's business was booming.

We often think the purpose of criticism is to nail things down. During my years as an art critic, I used to joke that museums love artists the way that taxidermists love deer, and something of that desire to secure, to stabilize, to render certain and definite the open-ended, nebulous, and adventurous work of artists is present in many who work in that confinement sometimes called the art world. A similar kind of aggression against the slipperiness of the work and the ambiguities of the artist's intent and meaning often exists in literary criticism and academic scholarship, a desire to make certain what is uncertain, to know what is unknowable, to turn the flight across the sky into the roast upon the plate, to classify and contain. What escapes categorization can escape detection altogether. There is a kind of counter-criticism that seeks to expand the work of art, by connecting it, opening up its meanings, inviting in the possibilities. A great work of criticism can liberate a work of art, to be seen fully, to remain alive, to engage in a conversation that will not ever end but will instead keep feeing the imagination. Not against interpretation, but against confinement, against the killing of the spirit. Such criticism is itself great art. This is a kind of criticism that does not pit the critic against the text, does not seek authority. It seeks instead to travel with the work and its ideas, to invite it to blossom and invite others into a conversation that might have previously seemed impenetrable, to draw out relationships that might have been unseen and open doors that might have been locked. This is a kind of criticism that respects the essential mystery of art, which is in part its beauty and its pleasure, both of which are irreducible and subjective. The worst criticism seeks to have the last word and leave the rest of us in silence; the best opens up an exchange that need never end.

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So that was the rub. That the best chance for long-term growth and financial freedom is a well balanced portfolio that minimizes fees and taxes but that comes with risk.

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This undignified episode revealed Poe’s difficult relationship with his popular audience. Ambivalent about Boston and about literary readings that put him on exhibition like a showman, he was characteristically hypersensitive and nervous in that hostile atmosphere. Instead of making the best of the situation by reading a poem that would have impressed his listeners, he chose to expose their pretentiousness and to retaliate with rudeness for their low fee and lack of appreciation.

How long does it take to Learn Freelancing? How long it takes to learn freelancing depends on what you're learning, how you start freelancing, and how hard you try to learn it. Learning something requires more willpower and concentration than any effort. The sooner you continue to learn to work with focus, the sooner you will succeed. And the slower you go, the longer it will take you to learn the task. So if you want to build a career online as a professional freelancer then you must spend extra time on it. Freelancing for Beginners: If you are new to the freelancing sector, there are a few things you need to know. For example: What is data entry? What is outsourcing? Web design key etc. Having a basic understanding of these things will make it much easier for you to learn freelancing. Although freelancing has complex tasks as well as some simple ones. But it is very few and low incomes. There are many new freelancers who want to earn freelancing with mobile. Their statement is, "I don't need so much money, only 4-5 thousand taka will do". In their case, I would say that you learn data entry work. You can earn that amount of money in this work. But if you choose freelancing just to do this job then I would say you are doing it wrong. Because this data entry work is very long, you need to work for 7-8 hours. And if you dream of only 4-5 thousand rupees by working 7-8 hours, then my suggestion for you is that you should not do this work but get tutoring. At least it will be best for you. Freelancing requires you to have big dreams and the passion to make them come true. Misconceptions about Freelancing: There is no substitute for a good quality computer or a good quality laptop to learn and master freelancing professionally. This way you can practice and learn very quickly without any hassle. Many people think that by looking at the monitor and pressing the keyboard, they become freelancing and can earn lakhs of rupees a month. In fact, those who think so cannot be entirely blamed. Many of us get lured by such mouthwatering advertisements as "opportunity to earn lakhs per month with just one month course" and waste both our precious time and money by joining bad unprofessional coaching centers. Why is it not possible to learn freelancing in just one month even in one year? It is clear proof that glittering does not make gold. There are thousands of jobs in freelancing, each job is different, and each job takes a different amount of time to learn. So it is very difficult to comment on how long it takes to learn freelancing. Be aware in choosing the right Freelancing Training Center: But whatever you do, don't go for an online course of Rs 400-600-1200. Because it will also lose the willpower you have to learn to freelance. If you have to do this type of bad course today, then do a government freelancing course or you can take practical training from an organization called "Bhairab ​​IT Zone" for a nominal fee. Here hands-on training is provided by professional freelancers using tools in free, premium, and upgraded versions. Although there are many ways or mediums to learn freelancing or outsourcing. E.g. Outsourcing Learning Books, Youtube Video Tutorials, Seminars etc. Either way, some learn to swim in a day and some in a week. To become a good swimmer one must continue swimming for a long time. Not everyone has the same brain capacity or stamina. Humans are naturally different from one another. The same goes for freelancing. You might learn the ins and outs of freelancing within 6-7 months, it might take another 1-2 years. No matter how long it takes to learn, you need to work twice as long to become proficient at it. But with hard work, willpower, and determination you can make any impossible possible. Please visit Our Blogging Website to Read More Articles related to Freelancing and Outsourcing.

Just the chemical symbols for the elements of carbon and iron, Elijah. Carbon is the basis of human life and iron of robot life. It becomes easy to speak of C/Fe when you wish to express a culture that combines the best of two on an equal but parallel basis." "See fee. Do you write it with a hyphen? Or how?" "No Elijah. A diagonal line between the two is the accepted way. It symbolizes neither one nor the other, but a mixture of the two, without priority.

At the end of the session, most of them are elated. They tell him that no one has ever asked them about their life story before. Some of them want to give the research fee back. “I don’t want to take money for this,” they say. “This has been the best afternoon I’ve had in a long time.

Finding a fine British International school can be a challenge if you live in a place like Dubai. Known as a melting pot of cultures, Dubai offers many choices when it comes to curriculum preferences. Digging the web for valuable options can leave in you bind as well. But, to find the right and affordable British school in Dubai you must have a clear picture of the options available. To make your work easier, here is a list to help you pick the best British curriculum school in Dubai. The best British International schools in Dubai Listed below are the top picks of English Schools in Dubai: The Winchester School This English school in Dubai is the right example of high-quality education at affordable rates. The Winchester School is an ideal pick as it maintains the desired level of British curriculum standards and has a KHDA rating as ‘good’. Admission: This school is fully inclusive for kids aged 1-13 and it conducts no entrance exam for foundation level. However, for other phases, necessary entrance tests are taken according to the standard. Also, admissions here do not follow the concept of waiting lists, which can depend on the vacant seats and disability criteria. Fees: AED 12,996- AED 22,996 Curriculum: National Curriculum of England-EYFS(Early Years Foundation Stage), IGCSE, International A-Level, and International AS Level. Location: The Gardens, Jebel Ali Village, Jebel Ali Contact: +971 (0)4 8820444, principal_win@gemsedu.com Website: The Winchester School - Jebel Ali GEMS Wellington Internation School GEMS Wellington Internation School is yet another renowned institute titled the best British curriculum school in Dubai. It has set a record of holding this title for nine years straight which reveals its commendable standards. Admission: For entrance into this school, an online registration process must be completed. A non-refundable fee of AED 500 is applicable for registration. Students of all gender and all stages can enroll in any class from Preschool to 12th Grade. Fees: AED 43,050- AED 93,658 Curriculum: GCSE, IB, IGCSE, BTEC, and IB DP Location: Al South Area Contact: +971 (0)4 3073000, reception_wis@gemsedu.com Website: Outstanding British School in Dubai - GEMS Wellington International School Dubai British School Dubai British School is yet another prestigious institute that is also a member of the ‘Taaleem’ group. It is also one of the first English schools to open and get a KHDA rating of ‘Outstanding’. Thus, it can be easily relied on to provide the curriculum of guaranteed quality. Admission: Here, the application here can be initiated by filling up an online form. Next, the verification requires documents such as copies of UAE Residence Visa, Identification card, Medical Form, Educational Psychologist’s reports, Vaccination report, and TC. Also, students of all genders and ages between 3-18 can apply here. Fees: AED 46,096- AED 69,145 Curriculum: UK National Curriculum, BTEC, GCSE, A LEVEL Location: Behind Spinneys, Springs Town Centre, near Jumeirah Islands. Contact: +971 (0)4 3619361 Website: Dubai British School Emirates Hills | Taaleem School Final takeaways The above-listed schools are some of the best English schools in Dubai that you can find. Apart from these, you can also check King’s School Dubai, Dubai College School, Dubai English Speaking School, etc. These offer the best British curriculum school in Dubai and can be the right picks for you. So, go on and find the right school for your kid.

When we put our foot down, I think they got a little bit nervous,” Solo says. “They said, Okay, what will it take to get you guys at all the NWSL games this weekend?” In the end, the federation treated it as an appearance fee of sorts. The players would get $10,000 each to attend their NWSL games, and they would be flown first-class, a distinct upgrade from their usual travel. It was a relatively small victory, but it set the stage for the players to stand up for themselves more assertively. The women of the national team proved they were the best in the world, they captured the country’s attention, and now they had leverage. “It was really the first time where we were like, Okay, we are worth something to the federation and we know it, so now we have to keep this going,” Solo says. “That’s what really empowered us. All of a sudden, we got a $10,000 fee, first-class tickets to fly to our NWSL games, and it was right before we were going to negotiate our new contract.” But things didn’t get better just because the federation paid the players a $10,000 fee. In less than a month, the players had to set out on the road again for a 10-game victory tour as World Cup champions and, as it turned out, the venues weren’t exactly befitting of a World Cup–winning national team. Eight of the 10 victory-tour games in 2015 were scheduled on artificial turf. Over the course of that year, U.S. Soccer scheduled the women to play 57 percent of their home games on artificial turf but scheduled zero of the men’s games on artificial turf. In fact, the men played at five venues that had artificial-turf surfaces, and in all five cases, the federation paid to have temporary grass installed.

It is a reason why so many who seek holiness or spiritual improvement impose on themselves a strict austerity. And it is why schools and colleges used to emulate the ways of monasteries. The first Christian hermits and monastics who practiced extreme austerity in the desert saw themselves as emulating Jesus during his sojourn in the wilderness. Once monastic life became institutionalized, removing oneself from carnal temptation was a major reason why religiously minded individuals would choose to take vows. The Rule of St. Benedict, set down around the year 530, included commitments to poverty, humility, chastity, and obedience, and this became the paradigm for most Christian monastic orders. The vow of poverty generally involved renouncing all individual property, although the monastic community was allowed to hold property, and of course some monasteries eventually became quite wealthy. But the lifestyle of most monks in the Middle Ages was kept deliberately austere. Here is how Aelred of Rievaulx, writing in the twelfth century, describes it: Our food is scanty, our garments rough, our drink is from the streams and our sleep upon our book. Under our tired limbs there is a hard mat; when sleep is sweetest we must rise at a bell’s bidding. . . . self-will has no scope; there is no moment for idleness or dissipation.4 Strict precautions to eliminate the possibility of sexual encounters, regular searches of dormitories to ensure that no one was hoarding personal property, a rigid and arduous daily routine to occupy to the full one’s physical and mental energy: by means of this sort monasteries and convents did their best to provide a temptation-free environment. More than a trace of the same thinking lay behind the preference for isolated rural locations among those who sought to establish colleges in nineteenth-century America. Sometimes the argument might be conveyed subtly by a brochure picturing the college surrounded by nothing but fields, woods, and hills, an image that also appealed to the deeply rooted idea that the land was a source of virtue.5 But it was also put forward explicitly. The town of North Yarmouth sought to persuade the founders of Bowdoin College of its advantageous location by pointing out that it was “not so much exposed to many Temptations to Dissipation, Extravagance, Vanity and Various Vices as great seaport towns frequently are.”6 And the 1847 catalog of Tusculum College, Tennessee, noted that its rural situation “guards it from all the ensnaring and demoralizing influences of a town.”7 Needless to say, reassurances of this sort were directed more at the fee-paying parents than at the prospective students. One should also add that not everyone took such a positive view of the rural campus. Some complained that life far away from urban civilization fostered vulgarity, depravity, licentiousness, and hy

The freedom of choice provided by fee-for-service Original Medicare to beneficiaries comes at a financial cost. The reason is as obvious as the phrase. Fee-for-service means that health care providers get paid for the surgeries, care, and other health care services they provide. It says nothing about whether all this health care is needed or even in the best interest of the patient. Medicare Advantage health networks, by contrast, can be cheaper providers of care than can fee-for-service Medicare. Insurers can control costs more effectively by assembling their own groups of doctors, hospitals, and other service providers. Cheaper health care, not surprisingly, has its own downsides. Provider networks are so important to the present and future prospects of Medicare beneficiaries that they merit their own chapter (12) later in this book.

YouTube also contains a treasure trove of lectures by nearly all of finance’s leading lights, strewn throughout its vast wasteland of misinformation. Tread carefully. A few wrong clicks and you’ll wind up with a QAnon conspiracist or a crypto bro. Of the names I’ve mentioned in this book, I’d search for John Bogle, Eugene Fama, Kenneth French, Jonathan Clements, Zvi Bodie, William Sharpe, Burton Malkiel, Charles Ellis, and Jason Zweig. Worthwhile finance podcasts abound. Start with the Economist’s weekly “Money Talks” and NPR’s Planet Money, although most of the latter’s superb coverage revolves around economics and relatively little around investing. Rick Ferri’s Boglehead podcast interviews cover mainly passive investing. Another financial podcast I highly recommend is Barry Ritholtz’s Masters in Business from Bloomberg. Podcasts are a rapidly evolving area. Lest you wear your ears out, you’ll need discretion to curate the burgeoning amount of high-quality audio. Research mutual funds. All the fund companies discussed in this book have sophisticated websites from which basic fund facts, such as fees and expenses, can be obtained, as well as annual and semiannual reports that list and tabulate holdings. If you’re researching a large number of funds, this gets cumbersome. The best way is to visit Morningstar.com. Use the site’s search function to locate the main page for the fund you’re interested in and click the “Expense” and “Portfolio” tabs to find the fund expense ratio and detailed data on the fund holdings. Click the “Performance” tab to see the fund’s return over periods ranging from a single day up to 15 years, and the “Chart” tab to compare the returns of multiple funds over a given interval. ***

There ain’t no clean way to make a hundred million bucks,” Ohls said. “Maybe the head man thinks his hands are clean but somewhere along the line guys got pushed to the wall, nice little businesses got the ground cut from under them and had to sell out for nickels, decent people lost their jobs, stocks got rigged on the market, proxies got bought up like a pennyweight of old gold, and the five per centers and the big law firms got paid hundred-grand fees for beating some law the people wanted but the rich guys didn’t, on account of it cut into their profits. Big money is big power and big power gets used wrong. It’s the system. Maybe it’s the best we can get, but it still ain’t any Ivory Soap deal.

By leveraging a variety of communication channels, schools can effectively engage parents in discussions about the fee structure, address concerns, and build a supportive community focused on the best interests of the students.

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I nod. “Will the ambulance fee be added with that?” I don’t know how the French medical system works. Janet frowns. “There is no ambulance fee. Didn’t you know that?” I shake my head. “No, but I…” I blink as I wrack my brain. The pub isn’t even close to this hospital, so how… “He carried you,” Janet says, a hand to her chest, like that night was emotional, even for her. “You were in his arms when he reached the hospital doors. He arrived about ten minutes before anyone else from the riot.” Tears well, and I suppress them as best I can. My voice trembles. “He ran here?

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