Finance Related Quotes

So here we have found a means of a) alienating even the most flexible and patient Palestinians; while b) frustrating the efforts of the more principled and compromising Israelis; while c) empowering and financing some of the creepiest forces in American and Israeli society; and d) heaping ordure on our own secular founding documents. When will the Justice Department and the Congress and the Supreme Court become aware of this huge and rank offense, which is designed to bring us ever nearer to holy war?

At the federal level, this problem could be greatly alleviated by abolishing the Electoral College system. It's the winner-take-all mathematics from state to state that delivers so much power to a relative handful of voters. It's as if in politics, as in economics, we have a privileged 1 percent. And the money from the financial 1 percent underwrites the microtargeting to secure the votes of the political 1 percent. Without the Electoral College, by contrast, every vote would be worth exactly the same. That would be a step toward democracy.

1. Bangladesh.... In 1971 ... Kissinger overrode all advice in order to support the Pakistani generals in both their civilian massacre policy in East Bengal and their armed attack on India from West Pakistan.... This led to a moral and political catastrophe the effects of which are still sorely felt. Kissinger’s undisclosed reason for the ‘tilt’ was the supposed but never materialised ‘brokerage’ offered by the dictator Yahya Khan in the course of secret diplomacy between Nixon and China.... Of the new state of Bangladesh, Kissinger remarked coldly that it was ‘a basket case’ before turning his unsolicited expertise elsewhere. 2. Chile.... Kissinger had direct personal knowledge of the CIA’s plan to kidnap and murder General René Schneider, the head of the Chilean Armed Forces ... who refused to countenance military intervention in politics. In his hatred for the Allende Government, Kissinger even outdid Richard Helms ... who warned him that a coup in such a stable democracy would be hard to procure. The murder of Schneider nonetheless went ahead, at Kissinger’s urging and with American financing, just between Allende’s election and his confirmation.... This was one of the relatively few times that Mr Kissinger (his success in getting people to call him ‘Doctor’ is greater than that of most PhDs) involved himself in the assassination of a single named individual rather than the slaughter of anonymous thousands. His jocular remark on this occasion—‘I don’t see why we have to let a country go Marxist just because its people are irresponsible’—suggests he may have been having the best of times.... 3. Cyprus.... Kissinger approved of the preparations by Greek Cypriot fascists for the murder of President Makarios, and sanctioned the coup which tried to extend the rule of the Athens junta (a favoured client of his) to the island. When despite great waste of life this coup failed in its objective, which was also Kissinger’s, of enforced partition, Kissinger promiscuously switched sides to support an even bloodier intervention by Turkey. Thomas Boyatt ... went to Kissinger in advance of the anti-Makarios putsch and warned him that it could lead to a civil war. ‘Spare me the civics lecture,’ replied Kissinger, who as you can readily see had an aphorism for all occasions. 4. Kurdistan. Having endorsed the covert policy of supporting a Kurdish revolt in northern Iraq between 1974 and 1975, with ‘deniable’ assistance also provided by Israel and the Shah of Iran, Kissinger made it plain to his subordinates that the Kurds were not to be allowed to win, but were to be employed for their nuisance value alone. They were not to be told that this was the case, but soon found out when the Shah and Saddam Hussein composed their differences, and American aid to Kurdistan was cut off. Hardened CIA hands went to Kissinger ... for an aid programme for the many thousands of Kurdish refugees who were thus abruptly created.... The apercu of the day was: ‘foreign policy should not he confused with missionary work.’ Saddam Hussein heartily concurred. 5. East Timor. The day after Kissinger left Djakarta in 1975, the Armed Forces of Indonesia employed American weapons to invade and subjugate the independent former Portuguese colony of East Timor. Isaacson gives a figure of 100,000 deaths resulting from the occupation, or one-seventh of the population, and there are good judges who put this estimate on the low side. Kissinger was furious when news of his own collusion was leaked, because as well as breaking international law the Indonesians were also violating an agreement with the United States.... Monroe Leigh ... pointed out this awkward latter fact. Kissinger snapped: ‘The Israelis when they go into Lebanon—when was the last time we protested that?’ A good question, even if it did not and does not lie especially well in his mouth. It goes on and on and on until one cannot eat enough to vomit enough.

The West is a civilization that has survived all the prophecies of its collapse with a singular stratagem. Just as the bourgeoisie had to deny itself as a class in order to permit the bourgeoisification of society as a whole, from the worker to the baron; just as capital had to sacrifice itself as a wage relation in order to impose itself as a social relation—becoming cultural capital and health capital in addition to finance capital; just as Christianity had to sacrifice itself as a religion in order to survive as an affective structure—as a vague injunction to humility, compassion, and weakness; so the West has sacrificed itself as a particular civilization in order to impose itself as a universal culture. The operation can be summarized like this: an entity in its death throes sacrifices itself as a content in order to survive as a form.

The most important factor to growing your financial stability isn't your income. Rather, your success is much more related to how well you keep your eye on the ball. Organize your finances around the principles of financial stability. Aim for that goal, and over time you will find many unexpected ways to actually put money aside.

I was forty-five years old and tired of being an artist. Besides, I owed $20,000 to relatives, finance companies, banks and assorted bookmakers and shylocks. It was really time to grow up and sell out as Lenny Bruce once advised. So I told my editors 'OK, I'll write a book about the mafia, just give me some money to get started'.

In the two years after No Logo came out, I went to dozens of teach-ins and conferences, some of them attended by thousands of people (tens of thousands in the case of the World Social Forum), that were exclusively devoted to popular education about the inner workings of global finance and trade. No topic was too arcane: the science of genetically modified foods, trade-related intellectual property rights, the fine print of bilateral trade deals, the patenting of seeds, the truth about certain carbon sinks. I sensed in these rooms a hunger for knowledge that I have never witnessed in any university class. It was as if people understood, all at once, that gathering this knowledge was crucial to the survival not just of democracy but of the planet. Yes, this was complicated, but we embraced that complexity because we were finally looking at systems, not just symbols.

Relations are by product of Money(mostly), keep your finances in line and rest all is taken care" This is a fact, which would be rarely accepted by people, but inside everyone knows that...Those who've not yet experienced it would still say, money cannot buy love, respect bla bla bla...

The way you relate to your woman’s chaos reflects the way you react to the chaos of the world. If you are the kind of man who needs everything placed neatly in its nice little box, then you will also try to box your woman’s emotions. If you are the kind of man who would rather hire other people to take care of the chaos in your attic, or the chaos of your finances, you would probably also rather leave it to someone else to take care of the chaos of your woman.

Investors look at economic fundamentals; traders look at each other; ‘quants’ look at the data. Dealing on the basis of historic price series was once described as technical analysis, or chartism (and there are chartists still). These savants identify visual patterns in charts of price data, often favouring them with arresting names such as ‘head and shoulders’ or ‘double bottoms’. This is pseudo-scientific bunk, the financial equivalent of astrology. But more sophisticated quantitative methods have since proved profitable for some since the 1970s’ creation of derivative markets and the related mathematics. Profitable

Identical information can lead to opposite conclusions based on relative perceptions of its receivers.

Success is relative. We shouldn't compare the financial success between a person born into riches and the one born into abject poverty.

When I was growing up, my parents had created for my brother and me the perfect upper middle-class lifestyle. We had everything we needed, and most things we wanted. We took piano lessons. We went to summer camp. We swam at the local country club. We had college funds. And while what I should have learned from living a relatively privileged childhood was the value of hard work and frugality, what I learned instead was that money was not something with which I needed to be overly concerned. If and when I needed it, it would magically appear. Like a genie.

This book is an essay in what is derogatorily called "literary economics," as opposed to mathematical economics, econometrics, or (embracing them both) the "new economic history." A man does what he can, and in the more elegant - one is tempted to say "fancier" - techniques I am, as one who received his formation in the 1930s, untutored. A colleague has offered to provide a mathematical model to decorate the work. It might be useful to some readers, but not to me. Catastrophe mathematics, dealing with such events as falling off a height, is a new branch of the discipline, I am told, which has yet to demonstrate its rigor or usefulness. I had better wait. Econometricians among my friends tell me that rare events such as panics cannot be dealt with by the normal techniques of regression, but have to be introduced exogenously as "dummy variables." The real choice open to me was whether to follow relatively simple statistical procedures, with an abundance of charts and tables, or not. In the event, I decided against it. For those who yearn for numbers, standard series on bank reserves, foreign trade, commodity prices, money supply, security prices, rate of interest, and the like are fairly readily available in the historical statistics.

Blockchain technology is a form of digitalized, de-centralized public record of all cryptocurrency transactions. Blockchain was designed to record, not just financial-related transactions, but virtually everything of value.

Some heterodox economists today argue that growth will fall if finance becomes too big relative to the rest of the economy (industry) because real profits come from the production of new goods and services rather than from simple transfers of money earned from those goods and services.40 To ‘rebalance’ the economy, the argument runs, we must allow genuine profits from production to win over rents–which, as we can see here, is exactly the argument Ricardo made 200 years ago, and John Maynard Keynes was to make 100 years later.41

For years, we have spent trillions on waging wars against ‘terror’ and ‘extremism’ that would have been much better spent protecting Muslim dissidents and giving the necessary platforms and resources to counter the vast network of Islamic centers, madrassas, and mosques which has been largely responsible for spreading the most noxious forms of Islamic fundamentalism. For years, we have treated the people financing the vast network – the Saudis, the Qataris, and the now repentant Emiratis – as our allies. In the midst of all our efforts at policing, surveillance, and even military action, we in the West have not bothered to develop an effective counternarrative because from the outset we have denied that Islamic extremism is in any way related to Islam. We persist in focusing on the violence and not on the ideas that give rise to it.

1. Project What is the project? Why is it unique? Why is the business needed? Why will customers love your product? 2. Partners Who are you? Who are the partners? What are your educational backgrounds? How much experience do you all have? How are you and your partners qualified to make the project a success? 3. Financing What is the total cost of the project? How much debt and how much equity is there? Are partners investing their own money? What is the investor’s return and reward for their risk? What are the tax consequences? Who is your CFO or accounting firm? Who is responsible for investor communications? What is the investor’s exit? 4. Management Who is running your company? What is their experience? What is their track record? Have they ever failed? How does their experience relate to your industry? Do you believe this is the strongest management team you can assemble? Can you pitch them with confidence?

First, he evaluates a business on its long-term rather than its short-term prospects. Second, he always looks for businesses he understands. (This led him to avoid many Internet-related investments.) And third, when he examines financial statements, he places the greatest emphasis on a measure of cash flow that he calls owner earnings.

Globally, international retail sales are expected to reach an eye-watering $31 trillion by 2025. To keep that thermonuclear consumption going, not only do the products we buy need manufacturing, but so too do our desires for them. Hence, in the past forty or so years, the public relations, marketing, advertising and finance industries have boomed.

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Apple raised $17 billion in a bond offering in 2013. Not to invest in new products or business lines, but to pay a dividend to stockholders. The company is awash with cash, but much of that money is overseas, and there would be a tax charge if it were repatriated to the USA. For many other companies, the tax-favoured status of debt relative to equity encourages financial engineering. Most large multinational companies have corporate and financial structures of mind-blowing complexity. The mechanics of these arrangements, which are mainly directed at tax avoidance or regulatory arbitrage, are understood by only a handful of specialists. Much of the securities issuance undertaken by Goldman Sachs was not ‘helping companies to grow’ but represented financial engineering of the kind undertaken at Apple. What

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Your life right now—everything from your work and your health to your relationships and your finances—is the result of choices you’ve made in the past. The job you have right now is a choice that you made at some point. And, whether you realize it or not, a choice you’ve made every day since. You can tell yourself that you have to do the work you do, but the truth is, you don’t. It’s a choice. Are you carrying around ten or twenty pounds of lifestyle-related fat? That’s the result of thousands of choices that you made over recent days, weeks, months and years.  How about your significant other, or your close friendships? They’re all choices.  Your furniture, the food in your fridge, the car you drive. They’re all choices. They are all, without exception, the results of your past behavior. The same thing applies to wealth.

Since money or other resources must be withdrawn from possible alternative uses to finance the supposedly desirable public goods, the only relevant and appropriate question is whether or not these alternative uses to which the money could be put (that is, the private goods which could have been acquired but now cannot be bought because the money is being spent on public goods instead) are more valuable—more urgent—than the public goods. And the answer to this question is perfectly clear. In terms of consumer evaluations, however high its absolute level might be, the value of the public goods is relatively lower than that of the competing private goods because if one had left the choice to the consumers (and had not forced one alternative upon them), they evidently would have preferred spending their money differently (otherwise no force would have been necessary).

A more recent concern relates to “financialization” and associated short-termism. Financialization is the growing importance of norms, metrics, and incentives from the financial sector to the wider economy. Some of the concerns expressed are that, for example, managers are increasingly awarded stock options to align their incentives with those of shareholders; companies are often explicitly managed to increase short-term shareholder value; and financial engineering, such as share buybacks and earnings management, has become a more important part of senior managers’ jobs. The end result is that rather than finance serving business, business serves finance: the tail wags the dog. What John Kay described as “obliquity,” the idea that making money was a consequence of, or a second-order benefit of, serving one’s customers and building good businesses, is driven out (Kay 2010).

The final way to respond to the difficulty of lending against intangibles is the most radical. It is for businesses to change their finance mix: specifically, to rely more on equity and less on debt. Should a business fail, equity owners have no recourse - they get nothing - so can afford to be relatively insouciant about the liquidation value of a business's assets. This makes equity a better way of funding businesses with few tangible assets.

Questions for Self-Examination 1.  How do you define creativity? Do you consider yourself a creative person? Do you follow through on your creative ideas? 2.  How often do you direct your creative energies into negative paths of expression? Do you exaggerate or embellish “facts” to support your point of view? 3.  Are you comfortable with your sexuality? If not, are you able to work toward healing your sexual imbalances? Do you use people for sexual pleasure, or have you felt used? Are you strong enough to honor your sexual boundaries? 4.  Do you keep your word? What is your personal code of honor? of ethics? Do you negotiate your ethics depending upon your circumstances? 5.  Do you have an impression of God as a force that exerts justice in your life? 6.  Are you a controlling person? Do you engage in power plays in your relationships? Are you able to see yourself clearly in circumstances related to power and money? 7.  Does money have authority over you? Do you make compromises that violate your inner self for the sake of financial security? 8. How often do survival fears dictate your choices? 9.  Are you strong enough to master your fears concerning finances and physical survival, or do they control you and your attitudes? 10.  What goals do you have for yourself that you have yet to pursue? What stands in the way of your acting upon those goals?

Du manque de religion, répondit le médecin, et de l’envahissement de la finance, qui n’est autre chose que l’égoïsme solidifié. L’argent autrefois n’était pas tout, on admettait des supériorités qui le primaient. Il y avait la noblesse, le talent, les services rendus à l’État ; mais aujourd’hui la loi fait de l’argent un étalon général, elle l’a pris pour base de la capacité politique ! Certains magistrats ne sont pas éligibles, Jean-Jacques Rousseau ne serait pas éligible

For example, my stepfather Tío Ramón calls from time to time to tell me that some uncle three times removed, whom I have never met, has died and left a daughter in a difficult situation. The girl wants to study nursing but doesn’t have the means to do so. It is up to Tío Ramón, as the elder of the clan, to contact anyone who has blood ties to the deceased, from close relatives to far-flung cousins, to finance the education of the future nurse. To refuse to help would be so despicable that it would be writ in the annals of the family for several generations.

Think about ethanol again. The benefits of that $7 billion tax subsidy are bestowed on a small group of farmers, making it quite lucrative for each one of them. Meanwhile, the costs are spread over the remaining 98 percent of us, putting ethanol somewhere below good oral hygiene on our list of everyday concerns. The opposite would be true with my plan to have left-handed voters pay subsidies to right-handed voters. There are roughly nine right-handed Americans for every lefty, so if every right-handed voter were to get some government benefit worth $100, then every left-handed voter would have to pay $900 to finance it. The lefties would be hopping mad about their $900 tax bills, probably to the point that it became their preeminent political concern, while the righties would be only modestly excited about their $100 subsidy. An adept politician would probably improve her career prospects by voting with the lefties. Here is a curious finding that makes more sense in light of what we‘ve just discussed. In countries where farmers make up a small fraction of the population, such as America and Europe, the government provides large subsidies for agriculture. But in countries where the farming population is relatively large, such as China and India, the subsidies go the other way. Farmers are forced to sell their crops at below-market prices so that urban dwellers can get basic food items cheaply. In the one case, farmers get political favors; in the other, they must pay for them. What makes these examples logically consistent is that in both cases the large group subsidizes the smaller group. In politics, the tail can wag the dog. This can have profound effects on the economy.

After World War II, the United States, triumphant abroad and undamaged at home, saw a door wide open for world supremacy. Only the thing called ‘communism’ stood in the way, politically, militarily, economically, and ideologically. Thus it was that the entire US foreign policy establishment was mobilized to confront this ‘enemy’, and the Marshall Plan was an integral part of this campaign. How could it be otherwise? Anti-communism had been the principal pillar of US foreign policy from the Russian Revolution up to World War II, pausing for the war until the closing months of the Pacific campaign when Washington put challenging communism ahead of fighting the Japanese. Even the dropping of the atom bomb on Japan – when the Japanese had already been defeated – can be seen as more a warning to the Soviets than a military action against the Japanese.19 After the war, anti-communism continued as the leitmotif of American foreign policy as naturally as if World War II and the alliance with the Soviet Union had not happened. Along with the CIA, the Rockefeller and Ford Foundations, the Council on Foreign Relations, certain corporations, and a few other private institutions, the Marshall Plan was one more arrow in the quiver of those striving to remake Europe to suit Washington’s desires: 1.    Spreading the capitalist gospel – to counter strong postwar tendencies toward socialism. 2.    Opening markets to provide new customers for US corporations – a major reason for helping to rebuild the European economies; e.g. a billion dollars (at twenty-first-century prices) of tobacco, spurred by US tobacco interests. 3.    Pushing for the creation of the Common Market (the future European Union) and NATO as integral parts of the West European bulwark against the alleged Soviet threat. 4.    Suppressing the left all over Western Europe, most notably sabotaging the Communist parties in France and Italy in their bids for legal, non-violent, electoral victory. Marshall Plan funds were secretly siphoned off to finance this endeavor, and the promise of aid to a country, or the threat of its cutoff, was used as a bullying club; indeed, France and Italy would certainly have been exempted from receiving aid if they had not gone along with the plots to exclude the Communists from any kind of influential role.

The issue with an assumed gospel is that it is often too personal and, therefore, becomes private. People who live under the assumption of the gospel often know how it relates to their life, but nobody else does. Their kids never see how the gospel affects decisions, arguments, finances, etc. Their neighbors never hear of the hope within. Their coworkers are left to wonder about what makes them different. Those who live under the assumed gospel often find it awkward to bring it up and talk about the work of Christ. Why? Because they never bring it up and learn to articulate the implications of Christ’s atoning work and their life.

Thaler recounts an amusing real-life example of mental accounting.15 A professor of finance he knows has a clever strategy to help him deal with minor misfortunes. At the beginning of the year, the professor plans for a generous donation to his favorite charity. Anything untoward that happens in the course of the year—a speeding ticket, replacing a lost possession, an unwanted touch by an impecunious relative—is then charged to the charity account. The system makes the losses painless, because the charity does the paying. The charity receives whatever is left over in the account. Thaler has nominated his friend as the world’s first Certified Mental Accountant.

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

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)

Finance is concerned with the relations between the values of securities and their risk, and with the behavior of those values. It aspires to be a practical, like physics or chemistry or electrical engineering. As John Maynard Keynes once remarked about economics, “If economists could manage to get themselves thought of as humble, competent people on a level with dentists, that would be splendid.” Dentists rely on science, engineering, empirical knowledge, and heuristics, and there are no theorems in dentistry. Similarly, one would hope that nance would be concerned with laws rather than theorems, with behavior rather than assumptions. One doesn’t seriously describe the behavior of a market with theorems.

With the simple suspension of gold redeemability, governments’ war efforts were no longer limited to the money that they had in their own treasuries, but extended virtually to the entire wealth of the population. For as long as the government could print more money and have that money accepted by its citizens and foreigners, it could keep financing the war. Previously, under a monetary system where gold as money was in the hands of the people, government only had its own treasuries to sustain its war effort, along with any taxation or bond issues to finance the war. This made conflict limited, and lay at the heart of the relatively long periods of peace experienced around the world before the twentieth century.

It was a hugely significant moment: with one stroke of the pen, in return for a relatively modest payment of Rs2.6 million,* and Clive’s cynical promise on behalf of the Company to govern ‘agreeably to the rules of Mahomed and the law of the Empire’, the Emperor agreed to recognise all the Company’s conquests and hand over to it financial control of all north-eastern India. Henceforth, 250 East India Company clerks backed by the military force of 20,000 Indian sepoys would now run the finances of India’s three richest provinces, effectively ending independent government in Bengal for 200 years. For a stock market-listed company with profit as its main raison d’être, this was a transformative, revolutionary moment.

The revolutions in Big Data and cyberspace give social and computer scientists powerful new tools to watch people. But they also show why Big Data alone cannot explain the world. There is a desperate need to combine social and data science, and a dire shortage of people who can do this. That creates opportunities that anthropologists should grab. In a globalized world where semiotic codes keep changing we should value people who can navigate different cultures in the real world and cyberspace. And as contagion risks arise, policy makers, businesses, and nongovernmental groups need people who have the imagination to see dangers in a holistic way, be that in relation to pandemics, nuclear threats, the environment, or something similar. In short, the world would benefit if there were more anthropologists who can blend their perspectives with other disciplines such as computing, medicine, finance, law, and much else, or inject their vision into policy making.

The Art of Subtraction If there is one habit that all of the investors in this chapter have in common, it’s this: They focus almost exclusively on what they’re best at and what matters most to them. Their success derives from this fierce insistence on concentrating deeply in a relatively narrow area while disregarding countless distractions that could interfere with their pursuit of excellence. Jason Zweig, an old friend who is a personal finance columnist at the Wall Street Journal and the editor of a revised edition of The Intelligent Investor, once wrote to me, “Think of Munger and Miller and Buffett: guys who just won’t spend a minute of time or an iota of mental energy doing or thinking about anything that doesn’t make them better. . . . Their skill is self-honesty. They don’t lie to themselves about what they are and aren’t good at. Being honest with yourself like that has to be part of the secret. It’s so hard and so painful to do, but so important.

In the United States, both of the dominant parties have shifted toward free-market capitalism. Even though analysis of roll call votes show that since the 1970s, Republicans have drifted farther to the right than Democrats have moved to the left, the latter were instrumental in implementing financial deregulation in the 1990s and focused increasingly on cultural issues such as gender, race, and sexual identity rather than traditional social welfare policies. Political polarization in Congress, which had bottomed out in the 1940s, has been rapidly growing since the 1980s. Between 1913 and 2008, the development of top income shares closely tracked the degree of polarization but with a lag of about a decade: changes in the latter preceded changes in the former but generally moved in the same direction—first down, then up. The same has been true of wages and education levels in the financial sector relative to all other sectors of the American economy, an index that likewise tracks partisan polarization with a time lag. Thus elite incomes in general and those in the finance sector in particular have been highly sensitive to the degree of legislative cohesion and have benefited from worsening gridlock.

Not long ago, Malthusian thinking was revived with a vengeance. In 1967 William and Paul Paddock wrote Famine 1975!, and in 1968 the biologist Paul R. Ehrlich wrote The Population Bomb, in which he proclaimed that “the battle to feed all of humanity is over” and predicted that by the 1980s sixty-five million Americans and four billion other people would starve to death. New York Times Magazine readers were introduced to the battlefield term triage (the emergency practice of separating wounded soldiers into the savable and the doomed) and to philosophy-seminar arguments about whether it is morally permissible to throw someone overboard from a crowded lifeboat to prevent it from capsizing and drowning everyone.10 Ehrlich and other environmentalists argued for cutting off food aid to countries they deemed basket cases.11 Robert McNamara, president of the World Bank from 1968 to 1981, discouraged financing of health care “unless it was very strictly related to population control, because usually health facilities contributed to the decline of the death rate, and thereby to the population explosion.” Population-control programs in India and China (especially under China’s one-child policy) coerced women into sterilizations, abortions, and being implanted with painful and septic IUDs.12

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Whatand why were never questions for me. How was the only question. When I look back now, I realize that I never thought about what I wanted to become in life. I only thought about how I wanted to live my life. And I knew that the “how” could only be determined within me and by me. There was a big boom in poultry farming at the time. I wanted to make some money to finance my desire for unrestrained, purposeless travel. So I got into it. My father said, “What am I going to tell people? That my son is rearing chickens?” But I built my poultry farm and I built it single-handedly, from scratch. The business took off. The profits started rolling in. I devoted four hours every morning to the business. The rest of the day was spent reading and writing poetry, swimming in the well, meditating, daydreaming on a huge banyan tree. Success made me adventurous. My father was always lamenting that everyone else’s sons had become engineers, industrialists, joined the civil service, or gone to America. And everywhere everyone I met—my friends, relatives, my old school and college teachers—said, “Oh, we thought you’d make something of your life, but you are just wasting it.” I took on the challenge. In partnership with a civil engineer friend, I entered the construction business. In five years, we became a major construction company, among the leading private

Paper money, virtually unknown in the West until Marco’s return, revolutionized finance and commerce throughout the West. Coal, another item that had caught Marco’s attention in China, provided a new and relatively efficient source of heat to an energy-starved Europe. Eyeglasses (in the form of ground lenses), which some accounts say he brought back with him, became accepted as a remedy for failing eyesight. In addition, lenses gave rise to the telescope—which in turn revolutionized naval battles, since it allowed combatants to view ships at a great distance—and the microscope. Two hundred years later, Galileo used the telescope—based on the same technology—to revolutionize science and cosmology by supporting and disseminating the Copernican theory that Earth and other planets revolved around the Sun. Gunpowder, which the Chinese had employed for at least three centuries, revolutionized European warfare as armies exchanged their lances, swords, and crossbows for cannon, portable harquebuses, and pistols. Marco brought back gifts of a more personal nature as well. The golden paiza, or passport, given to him by Kublai Khan had seen him through years of travel, war, and hardship. Marco kept it still, and would to the end of his days. He also brought back a Mongol servant, whom he named Peter, a living reminder of the status he had once enjoyed in a far-off land. In all, it is difficult to imagine the Renaissance—or, for that matter, the modern world—without the benefit of Marco Polo’s example of cultural transmission between East and West.

Equity financing, on the other hand, is unappealing to cooperators because it may mean relinquishing control to outside investors, which is a distinctly capitalist practice. Investors are not likely to buy non-voting shares; they will probably require representation on the board of directors because otherwise their money could potentially be expropriated. “For example, if the directors of the firm were workers, they might embezzle equity funds, refrain from paying dividends in order to raise wages, or dissipate resources on projects of dubious value.”105 In any case, the very idea of even partial outside ownership is contrary to the cooperative ethos. A general reason for traditional institutions’ reluctance to lend to cooperatives, and indeed for the rarity of cooperatives whether related to the difficulty of securing capital or not, is simply that a society’s history, culture, and ideologies might be hostile to the “co-op” idea. Needless to say, this is the case in most industrialized countries, especially the United States. The very notion of a workers’ cooperative might be viscerally unappealing and mysterious to bank officials, as it is to people of many walks of life. Stereotypes about inefficiency, unprofitability, inexperience, incompetence, and anti-capitalism might dispose officials to reject out of hand appeals for financial assistance from co-ops. Similarly, such cultural preconceptions may be an element in the widespread reluctance on the part of working people to try to start a cooperative. They simply have a “visceral aversion” to, and unfamiliarity with, the idea—which is also surely a function of the rarity of co-ops itself. Their rarity reinforces itself, in that it fosters a general ignorance of co-ops and the perception that they’re risky endeavors. Additionally, insofar as an anti-democratic passivity, a civic fragmentedness, a half-conscious sense of collective disempowerment, and a diffuse interpersonal alienation saturate society, this militates against initiating cooperative projects. It is simply taken for granted among many people that such things cannot be done. And they are assumed to require sophisticated entrepreneurial instincts. In most places, the cooperative idea is not even in the public consciousness; it has barely been heard of. Business propaganda has done its job well.106 But propaganda can be fought with propaganda. In fact, this is one of the most important things that activists can do, this elevation of cooperativism into the public consciousness. The more that people hear about it, know about it, learn of its successes and potentials, the more they’ll be open to it rather than instinctively thinking it’s “foreign,” “socialist,” “idealistic,” or “hippyish.” If successful cooperatives advertise their business form, that in itself performs a useful service for the movement. It cannot be overemphasized that the most important thing is to create a climate in which it is considered normal to try to form a co-op, in which that is seen as a perfectly legitimate and predictable option for a group of intelligent and capable unemployed workers. Lenders themselves will become less skeptical of the business form as it seeps into the culture’s consciousness.

To suggest, as Shine does, that my father was in some way mean-spirited is totally unfair. Holding back David’s career was not in the least my father’s aim. He was extremely proud of his son and nurtured his talent in every way. He was David’s strongest advocate. But allowing any boy who had just turned fourteen to live by himself so far away without proper provisions being made for him would have been irresponsible, to say the least. In David’s case, it would have been particularly inappropriate. He had never been abroad before; he was completely hopeless in practical matters; and he needed to be looked after, cooked for, and cared for. He was also by that time behaving rather erratically, although of course we did not know then that these may have been the first signs of a serious mental illness. My father’s attitude was proved correct: when David did go to London of his own volition four years later, he fell ill and ended up receiving psychiatric care. In any case there simply wasn’t enough money available to finance the trip to America. Contrary to what is related in Shine, where my father and Mr. Rosen decide that David should have a bar mitzvah as a method of raising money for this trip, David had already had his bar mitzvah almost a year earlier, when he turned thirteen, the usual age for this ceremony. His bar mitzvah had nothing to do with “digging for gold,” as Mr. Rosen puts it in Shine, in one of several offensive references in the film to Jews or Judaism. My father may not have been an Orthodox Jew himself, but he still had a strong desire to hold onto the basic tenets of Jewish tradition and to pass them on to his children.

Some blacks have carved out profitable niches for themselves as racial shakedown artists. For more than ten years, Mustafa Majeed of New York City has made a business of extorting money from moviemakers. When directors try to film a scene outdoors, Mr. Majeed shows up with a gang and demands that more blacks be hired for the crew. If he is refused, Mr. Majeed’s recruits blow whistles and shoot off flashbulbs, making it impossible to film. Mr. Majeed appears to be happy to accept money rather than more black employees. In 1991 he reportedly told film director Woody Allen that in return for $100,000 he would leave Mr. Allen’s sets alone. Other filmmakers have hired private security guards to keep Mr. Majeed away. Mr. Majeed is the head of the Communications Industry Skills Center, an organization that is supposed to train blacks for jobs in the entertainment field. Until April 1990 it was financed by the city of New York.740

The best quantitative finance brings real insight into the relation between value and uncertainty, and it approaches the quality of real science; the worst is a pseudoscientific hodgepodge of complex mathematics used with obscure justification.

what gets defined as crime, and who gets surveilled and punished, generally has more to do with the politics of race and class than the harm that any particular behavior or activity causes. As Alec Karakatsanis observes in Usual Cruelty: The Complicity of Lawyers in the Criminal Injustice System, people with race and class privilege are generally shielded from criminal prosecution, even though their crimes often cause far greater harm than the crimes of the poor. The most obvious example is the prosecutorial response to the financial crisis of 2008 and the related scandals: “Employees at banks committed crimes including lying to investigators and regulators, fraudulently portraying junk assets as valuable assets, rate-rigging, bribing foreign officials, submitting false documents, mortgage fraud, fraudulent home foreclosures, financing drug cartels, orchestrating and enabling widespread tax evasion, and violating international sanctions.” The massive criminality caused enormous harm. African Americans lost over half their wealth due to the collapse of real estate markets and the financial crisis. By the end of the crisis, in 2009, median household wealth for all Americans had declined by $27,000, leaving almost 44 million people in poverty. While some banks were eventually prosecuted (and agreed to pay fines that were a small fraction of their profits), the individuals who committed these crimes were typically spared. Despite engaging in forms of criminality that destroyed the lives and wealth of millions, they were not rounded up, dragged away in handcuffs, placed in cages, and then stripped of their basic civil and human rights or shipped to another country. Their mug shots never appeared on the evening news and they never had to wave goodbye to their children in a courtroom, unable to give them a final embrace.

The selection of common stocks for the portfolio of the defensive investor should be a relatively simple matter. Here we would suggest four rules to be followed: 1. There should be adequate though not excessive diversification. This might mean a minimum of ten different issues and a maximum of about thirty.† 2. Each company selected should be large, prominent, and conservatively financed. Indefinite as these adjectives must be, their general sense is clear. Observations on this point are added at the end of the chapter. 3. Each company should have a long record of continuous dividend payments. (All the issues in the Dow Jones Industrial Average met this dividend requirement in 1971.) To be specific on this point we would suggest the requirement of continuous dividend payments beginning at least in 1950.* 4. The investor should impose some limit on the price he will pay for an issue in relation to its average earnings over, say, the past seven years. We suggest that this limit be set at 25 times such average earnings, and not more than 20 times those of the last twelve-month period. But such a restriction would eliminate nearly all the strongest and most popular companies from the portfolio. In particular, it would ban virtually the entire category of “growth stocks,” which have for some years past been the favorites

On September 11, 2001 there were several hundred humiliation-enraged, young Saudis training at al-Qaeda camps in Afghanistan. They had gone there not to fight Russians, like their older brothers, but to support the country’s Taliban government. When US Special Forces units and CIA officers organized Operation Anaconda to topple the Taliban regime, these Saudis found themselves on the run. Some were killed; some found shelter in Iran. More than 100 were captured and imprisoned at Guantanamo Bay, the detention camp set up at an American naval base in Cuba. Their leaders, including Osama bin Laden, retreated into Pakistan. Most of the others, between 300 and 1,000 deeply committed individuals, simply went home to Saudi Arabia.9 These Afghan veterans provided the bulk of the leadership and many of the foot soldiers for AQAP, which remained largely restricted to the Afghan alumni network, their friends, and relatives.10 For two years they organized a five-cell structure in the kingdom with military, finance, media, and religious units.

I am Anna Jones, Professor and HOD Finance at Ohio University. I am also the subject matter expert associated with Crazy For Study and belong to this profession for a decade and solved numerous problems for subject related.

Why the us government Should Maintain students Healthcare Claims education and learning is probably the finest ventures in ensuring the people stay a greater existence from the contemporary setting. Over time, education and learning methods have transformed to guarantee individuals gain access to it in the very best ways. Besides, the adjustment can be a purposeful relocate making sure that learning meets pupils distinct needs nowadays. Consequently, any country that is focused on establishing in the current technical period must be ready to devote in schooling no matter what. We appreciate that lots of claims have was able to meet the most affordable threshold in offering secondary and basic education. It is actually commendable for schooling is focused and attends on the needs in the present environment. In addition to, we certainly have observed reduced rates of dropouts due to correct education and learning systems into position. Nevertheless, it is not enough because there are many other factors that, in turn, lower the superiority of education. We appreciate the reality that educational costs is mainly purchased and virtually totally given through the express or low-successful businesses. Sadly, small is defined in range to be sure the unique treatment of learners. It has led to the indiscriminate govt accountability. Apart from putting everything in place, the government must also provide the proper healthcare of a learner because it' s the foundation of excellent learning. The arranged provision of health care to students is defined around the periphery, plus it is amongst the essential things that degrade the grade of training. Standard attendance is actually a necessity for pupils to acquire much more and carry out greater. For that reason, government entities need to ensure an original set up of arranged healthcare to pupils to ensure they are certainly not stored away from university because of health care problems. Re-Analyzing the goal of Government in mastering It can be only by re-dealing with government entitiesAnd#039; s role in supplying primary and secondary education and learning that people can completely set up the skewed the outdoors of learner’s health care and the desire to influence the state to reconsider it. The cause of why the government must pay for the student’s healthcare is that its responsibility is unbalanced. It provides maintained to purchase basic training effectively but has did not shield the health-related requirements of any learner. Aside from, it is suitably interested in increasing the size of young menAnd#039; s and ladiesAnd#039; s chances in obtaining technical and professional education. But it has not searched for has and aims unacceptable method of achieving the medical care requirements of any learner. As a result, education require is not met because its services are skewed. The possible lack of equilibrium in government activities replicates the malfunction to discrete primarily sharply amid the steps right for authorities financing and activities to become implemented. Financing healthcare for students, which is equally essential, is neglected, though Financing education is largely accepted. For that reason, this is a deliberate demand government entities to perform the circle by paying for student' s health care. When there is stability in federal government commitments in education and learning, its requirements will probably be fulfilled. So, the state should pay for pupil' s medical care. If they are healthful, they find out better. In addition to, a large stress will probably be lifted, and will also unquestionably raise enrolment in professional coachingcenters and colleges, along with other studying companies.

Already very challenging, the project became even more so in 2014, when Ukraine-related sanctions cut off Novatek’s access to Western finance. In order to survive, the $27 billion LNG project needed a new injection of money, and quickly. The Chinese came through with a $12 billion loan and also became partners in the project, along with the French supermajor Total, which had joined earlier. The Russians had historically been reluctant to allow large-scale Chinese ownership of upstream assets. But now there was no choice.

there will be a significant reallocation of capital.” BlackRock, he said, will “place sustainability at the center of our investment approach” and will require companies to “disclose climate-related risks.” When BlackRock—$7.5 trillion under management—speaks, companies listen. One example of the “reallocation of capital” is the growth in “green bonds.” These provide financing for infrastructure related to renewables and infrastructure. From $50 billion issued in 2015, the total reached $257 billion in 2019.

Western countries are rarely in budget surplus and thus end up building debt over the cycle.The increase of the debt-to-GDP ratio is a fundamentally negative development for the lower and middle classes. The debt acts as a transfer of wealth from average taxpayers to the better off. The mechanism of this wealth transfer is relatively simple, as the interest paid to finance payment to the bond holders is funded by the general budget. Thus, bondholders, by definition people with savings, receive payments financed by the tax collected from the general population. Effectively, the debt sucks in a percentage of income revenues and spits it back out to wealthy savers in the form of interest payments.

One family described their core value of hospitality, lived out as they cleaned the house together each Friday for the express purpose of welcoming people over the weekend. They wanted to be able to spontaneously invite others over, knowing their space was ready to receive them. All this was explained to their kids by connecting the dots between the practice of keeping house and the immense welcome of God. They talked about their apartment as a gift and a refuge, and how important it was for it to feel inviting. Hosting people was not about living some Magnolia life; it was how they loved their neighbors. Thus, Friday night cleanup was a faith practice. One family used the tradition of a summer road trip to visit relatives as a means to support being who God uniquely made each of them to be. Each family member got to design the itinerary for one day of the trip. On that day, everyone else went along with that person’s choices for restaurants and an activity. They talked about the wonder of God’s image in each person and how this was a fun way to see each member of the family just as God made them to be. Thus, a family trip was a faith ritual. What about your family? What unique characteristics need to be accounted for as you craft a vision for faith? • Who makes up your family? List the members. You may share a living space with them or not, live in the same town or not, be relationally close or not. • Next to each person on the list, jot down a few distinguishing key traits of that person. What are they like? What are they interested in? • What are some of your family’s strengths and loves as a group? Do you love a good party? Cheer for a certain team? Love a particular place or meal? • What are some of your family’s unique challenges right now? Do you have a child who doesn’t “fit the mold,” for whatever reason? Are finances tight? Have any of the relationships been strained or broken? • List anything else that feels important to you about who your family is and what they are like. What other traits make you, you?

His British connections strengthened relations with the Allies,

You run the engineering analysis department at an architectural firm, and in the past your staff’s salaries have been included in COS. Now the finance folks are moving all those costs out of COS. It’s perfectly reasonable—even though your department has a lot to do with completing an architectural design, a case can be made that it isn’t directly related to any particular job. So does the change matter? You bet. You and your staff are no longer part of what’s often called “above the line.” That means you’re going to show up differently on the corporate radar screen. If your company focuses on gross profit, for instance, management will be monitoring COS carefully. It will try to ensure that departments affecting COS have everything they need to hit their targets. Once you’re outside of COS—“below the line”—the level of attention may be significantly lower.

The community joined forces and made an investment in a shared goal, acknowledging their strong connection with the recipient of the resources, rather than simply offering charity. The community's composition remained relatively stable over an extended period, with few outsiders joining. This provided the "investors" with confidence that, even if not themselves, their future generations would reap the benefits. The first schools I attended, until standard 7, were constructed mostly through the efforts of the community the school serviced. After the Bantu Education Act was implemented in 1953, education for people in the homelands was financed through direct taxes paid by residents of the homelands, instead of general state spending. When there was a class short, the parents would pool their resources and build it

The AMA launched the first modern public relations and lobbying campaign to paint government insurance as a threat not to doctors’ finances, however—but to the entire American way of life. They labeled the idea socialist.

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Many times these tendencies are unconscious, so we are not aware of them unless we continue to repeat them until the pain becomes intolerable and we can no longer refuse to face them. Then we recognize the pattern and realize, “Hey, I’m doing the same thing Mom always did to Dad.” Or, “That’s why Dad always worked late: so he didn’t have to face decisions about the finances at home.” Recognition that our patterns relate to family issues is the first step in healing dysfunctional behaviors in our own lives.

The question of the moral status of wealth, and the relation of Christian faith to issues of economic justice and responsibility, seems to me one of the areas in which Christians are most confused, divided, and uneasy.

All factors of production operate in concrete specific ways to produce use values. Tropical soils grow mangoes. Carpenters work wood. Precision lathes fashion metal tools. But in capitalist economies the essential object is not production of use values for consumption. It is production of goods as value objects for the abstract social goal of value augmentation or profit making. Capitalist value augmentation, in other words, requires a factor of production that has both a concrete specific and abstract general aspect. That factor of production is human labor power. Only it can be shifted from one concrete specific form of production to another: Or, alternatively, rendered indifferent to production of specific use values in favor of producing any good as a vehicle for value augmentation. Labor power cannot be rendered indifferent to production of specific use values unless it is “freed” from access to its means of livelihood and extra-economic social relations confining it to task and/or place. Capital, in other words, requires the conversion of the direct producers into a proletarian class. This is its sine qua non.

When we use concepts such as the commodification of labor power and the real subsumption of the labor and production process by capital it is with respect to the wholesale transformation of socioeconomic relations that the foregoing entails. The commodification of labor power involves the effective separation of the direct producers from the means of production and livelihood. These means of production are then concentrated in agriculture in the hands of landlords and capitalist farmers and in industry in the hands of the industrial capitalist class. The working class, whether in agriculture or in industry, gains access to the product of their necessary labor only indirectly through the wages they receive. They must then purchase the full spectrum of goods required to sustain their livelihood, and reproduction as a class, in the impersonal cash nexus of the capitalist market. The capitalist market itself is populated by small independent businesses across a division of labor in producer goods, consumer goods and agricultural. The rise of the mechanized cotton industry in Britain thus heralds the first historical embodiment of paradigmatic industrial capital.

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. ***

Capitalism and its logic, however, are attuned to material goods production-centered activities where close to half of working age people are employed in manufacturing related activity. Current employment profiles of advanced economies do not look very capitalist. And these profiles run too much interference on capitalist logic as we will see.

Such glaring trends are precisely what Marx understood by the conditions of possibility for capitalism being outstripped by history. As expressed in his iconic Preface, at some point in history the forces of production (existing technologies and related production and energy accouterment) will come into conflict with relations of production (existing social relations of ownership and work) to initiate a period of social and economic tumult until humanity hopefully manages to socioeconomically reconfigure its world.

When merchants intervened between producers and consumers, pricing became increasingly “irrational” from the perspective of feudal interpersonal socioeconomic relations. The “measure” of costs in feudal society was always “geared . . . to preserving a traditional way of life”.48 But merchants sought to buy cheap and sell dear. What drove their trading had little to do with “traditional” life. Rather their pursuit was abstract mercantile wealth. Hence, they strived to circumvent guild production wherever possible to garner the greatest profits. It is precisely this kind of deviation from expectations that everything in feudal society should have a “just price” that factored into Christian inveighing against usury as the money economy of trade and abstract exchange struck hard at peasant life.

Marx’s central question was: how can a society that converts interpersonal material relations into impersonal relations among things, and reproduces economic life for the abstract purpose of value augmentation or profit making, simultaneously meet general norms of economic life as a byproduct? This is the question seeking the “logic” or “method” of capitalist madness in our earlier words. All other questions of the march of capitalism in human history, its process of becoming, and the conditions of its historical transitoriness, hinge on that. And answering it is systemically threatening because, firstly, it reveals what bourgeois economic thought from its inception in classical political economy has fought to conceal: that capitalism is not a natural order but a historically transient society. And secondly, it shows that capitalism is not just an asymmetrically wealth distributive, exploitative, alienating, crisis ridden society. Rather, it is an “upside-down”, “alien” order (as Marx put it), which reproduces human material existence as a byproduct of its “extra-human” goal of augmenting abstract, quantitative value – or profit making.

On cafe topic, you will find the discussion about latest topics either it is fashion, entertainment, finance, helath or other public related topics.

A well-configured board will comprise people with a broad range of skills and experiences, probably from disciplines and professions not directly related to the mission of the organization itself. I know what that is like because on two boards I have been the one and only CEO of a public company. I was able to bring a perspective about growth, finance, organization structure, and regulation that no other director offered. At Dunkin’, we invited Carl Sparks to join the board in 2013 because he had deep expertise in digital marketing, thanks to his work with Expedia and Travelocity. When he came onboard, we were in the midst of a big push toward the launch of our DD Perks mobile app rewards program. Carl’s participation proved invaluable. As we’ve seen, outsiders and fresh voices are one of the most reliable sources of status quo questioning.

In 1935, in the pit of the Depression, when milk was being sold below cost, Merritt’s father had helped write the “milk control” laws, which partly govern California’s milk business (they have since been updated several times), especially the relations between the milk companies and grocery stores. After World War II, these laws increasingly were honored in the breach, as the big creameries and the big supermarket chains cut deals for illegal rebates or illegal financing or both. This is the normal result of quasi-fascist laws that try to regulate the marketplace. But in 1935, Benito Mussolini’s concept of binding state and industry together (the fasces is a Roman symbol, an ax with a bundle of sticks tied around its handle; the sticks represent the industries and the church, the ax represents the state, a one-for-all-and-all-for-one construct) was so popular around the world that Franklin D. Roosevelt tried to copy it with the Blue Eagle National Recovery Administration, until the Supreme Court threw it out in 1937. Relics of Mussolini, however, linger in all the states of the union, sometimes in milk control laws (and always in alcoholic beverage laws).

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)

The distortion and shelving of the question of the relation of the proletarian revolution to the state could not help but play an immense role at a time when states, each with its military apparatus reinforced as a result of imperialist competition, have been turned into military monsters which are exterminating millions of people in order to decide the dispute as to whether England or Germany – this or that centre of finance capital – is to rule the world.

Risks and returns are related! If you manage risks well, returns will surprise you. If you chase returns, risks will shock you.

Disability insurance provides a portion of your income if you can't work because of an illness or non-job-related injury. To me, being over 50 doesn't lessen the need for it. On the contrary, it may increase it. Many people in their fifties are in their peak earning years and building their retirement nest egg. An extended disability at this time of life could completely derail their financial future.

It turned out that Kerry’s opposition to the Magnitsky Act had nothing to do with whether he thought it was good or bad policy. The rumor in Washington was that John Kerry was blocking the bill for one simple reason: he wanted to be secretary of state after Hillary Clinton resigned. According to the story making the rounds, one of the conditions for his getting the job was to make sure that the Magnitsky Act never saw the light of day at the Senate Foreign Relations Committee.

In acquiring new productive forces men change their mode of production; and in changing their mode of production, in changing the way of earning their living, they change all their social relations. The hand-mill gives you society with the feudal lord; the steam-mill, society with the industrial capitalist.

Accountants and finance professionals rely on a system called Segregation of Duties to prevent all sorts of shady activities. The system, which is intended to reduce cases of fraud and theft, limits a single person’s ability to complete the following business processes: 1. Authorization: reviewing, approving, or overseeing a Transaction. 2. Custody: receiving, accessing, or controlling any assets related to that Transaction. 3. Record keeping: creating and storing accounting records related to each Transaction. 4. Reconciliation: verifying that two sets of records, like internal company Transaction records and external bank statements, match with respect to timing and amount.

It’s Thanksgiving, and you’ve eaten with porcine abandon. Your bloodstream is teeming with amino acids, fatty acids, glucose. It’s far more than you need to power you over to the couch in a postprandial daze. What does your body do with the excess? This is crucial to understand because, basically, the process gets reversed when you’re later sprinting for your life. To answer this question, it’s time we talked finances, the works—savings accounts, change for a dollar, stocks and bonds, negative amortization of interest rates, shaking coins out of piggy banks—because the process of transporting energy through the body bears some striking similarities to the movement of money. It is rare today for the grotesquely wealthy to walk around with their fortunes in their pockets, or to hoard their wealth as cash stuffed inside mattresses. Instead, surplus wealth is stored elsewhere, in forms more complex than cash: mutual funds, tax-free government bonds, Swiss bank accounts. In the same way, surplus energy is not kept in the body’s form of cash—circulating amino acids, glucose, and fatty acids—but stored in more complex forms. Enzymes in fat cells can combine fatty acids and glycerol to form triglycerides (table). Accumulate enough of these in the fat cells and you grow plump. Meanwhile, your cells can stick series of glucose molecules together. These long chains, sometimes thousands of glucose molecules long, are called glycogen. Most glycogen formation occurs in your muscles and liver. Similarly, enzymes in cells throughout the body can combine long strings of amino acids, forming them into proteins. The hormone that stimulates the transport and storage of these building blocks into target cells is insulin. Insulin is this optimistic hormone that plans for your metabolic future. Eat

What you don't know can, will, and does hurt you especially when its related to your health and your finances.

Time is relatively straightforward to measure inside a company once management begins to focus on it. Time is captured explicitly in measures of elapsed time—lead time, cycle time, and so on—and implicitly in metrics normally used in engineering and finance—machine uptime, product yield, inventory turnover, and the like. When all these time-related measures are brought together with maps showing the organization’s main flows and interaction patterns, a powerful picture of the company’s problems and opportunities comes into view.

Wichita: streets - rail - bonds - industry In 1870, Darius Munger and William "Dutch Bill" Greiffenstein filed plats to lay out the first streets in what would go on to become Wichita, Kansas. Wichita incorporated as a city on July 21, 1870.   One year later - on June 22, 1871 -underpinnings for the establishment of ‘Cowtown’ were laid in steel in Wichita. The Wichita and Southwestern Railroad Company was incorporated on June 22, 1871. A few months later, relative to railroad expansion in Wichita, a Sedgwick County, Kansas bond issuance took place. That bond issuance was approved by Sedgwick County voters on August 11, 1871: $200,000 in bonds This bond issuance enabled Wichita to finance the construction of a rail line which connected Wichita to Newton, Kansas. Rail service in Wichita - connecting Wichita to Newton -was a boon for Texas cattlemen. The new rail line -to the north of Texas - enabled shipment of cattle from Texas, on to Wichita. Then further along to Newton. And off to eastern markets in the United States.

The roots of war are to be sought in politics and history, those of earthquakes in geophysics, of forest fires in patterns of weather and in the natural ecology, and those of market crashes in the principles of finance, economics, and the psychology of human behavior. Beyond the labels “disaster” and “upheaval,” each of these events erupted from the soil of its own peculiar setting. Still, there is an intriguing similarity. In each case, it seems, the organization of the system—the web of international relations, the fabric of the forests or of the Earth’s crust, or the network of linked expectations and trading perspectives of investors—made it possible for a small shock to trigger a response out of all proportion to itself. It is as if these systems had been poised on some knife-edge of instability, merely waiting to be “set off.

To simplify Markowitz’s model, Sharpe stipulated one fundamental underlying factor—the return of the overall stock market—and instead calculated the variation of individual securities relative to this, rather than each security relative to each other. In his formula, it was given the Greek letter beta. So if Coca-Cola’s shares rise by 0.8 percentage points for every 1 percent the broader stock market climbs, it has a beta of 0.8. If a racier stock gains 2 percent, it has a beta of 2. Higher-beta stocks are more volatile, and should therefore offer greater returns than steadier, lower-beta securities. And thus beta became the lingua franca for the returns of the stock market as a whole, while “alpha” later emerged as the term for the extra returns generated by a skilled investor.

Ross’s “arbitrage pricing theory” and Rosenberg’s “bionic betas” posited that the returns of any financial security are the result of several systematic factors. Although seemingly stating the obvious, this was a seminal moment in the move toward a more vibrant understanding of markets. The eclectic Rosenberg was even put on the cover of Institutional Investor in May 1978, the bald, mustachioed man depicted as a giant meditating guru with flowers in his hair, worshipped by a gathering of besuited portfolio managers. The headline was “Who Is Barr Rosenberg? And What the Hell Is He Talking About?”8 What he was talking about was how academics were beginning to classify stocks according to not just their industry or their geography, but their financial characteristics. And some of these characteristics might actually prove to deliver better long-term returns than the broader stock market. In 1973, Sanjoy Basu, a finance professor at McMaster University in Ontario, published a paper that indicated that companies with low stock prices relative to their earnings did better than the efficient-markets hypothesis would suggest. Essentially, he showed that the value investing principles espoused by Benjamin Graham in the 1930s—which revolved around buying cheap, out-of-favor stocks trading below their intrinsic worth—was a durable investment factor. By systematically buying all cheap stocks, investors could in theory beat the broader market over time. Then Banz showed the same for small caps, another big moment in the evolution of factor investing. Follow-up studies on smaller stocks in Japan and the UK showed similar results, so in 1986 DFA launched dedicated small-cap funds for those two markets as well. In the early 1990s, finance professors Narasimhan Jegadeesh and Sheridan Titman published a paper indicating that simply surfing market momentum—in practice buying stocks that were already bouncing and selling those that were sliding—could also produce market-beating returns.9 The reasons for these apparent anomalies divide academics. Efficient-markets disciples stipulate that they are the compensation investors receive for taking extra risks. Value stocks, for example, are often found in beaten-up, unpopular, and shunned companies, such as boring industrial conglomerates in the middle of the dotcom bubble. While they can underperform for long stretches, eventually their underlying worth shines through and rewards investors who kept the faith. Small stocks do well largely because small companies are more likely to fail than bigger ones. Behavioral economists, on the other hand, argue that factors tend to be the product of our irrational human biases. For example, just like how we buy pricey lottery tickets for the infinitesimal chance of big wins, investors tend to overpay for fast-growing, glamorous stocks, and unfairly shun duller, steadier ones. Smaller stocks do well because we are illogically drawn to names we know well. The momentum factor, on the other hand, works because investors initially underreact to news but overreact in the long run, or often sell winners too quickly and hang on to bad bets for far longer than is advisable.

At one point Booth was cornered by the assistant treasurer of one big customer, who angrily grabbed his arm and snarled, “I want you to know you’re the worst performing manager we have in any asset class. Do you still believe that small-cap stocks have higher expected returns?” Booth stuck to the DFA script and replied, “We believe small-cap stocks are riskier than big-cap stocks and risk and return are related. Which part of the argument are you no longer comfortable with?”14 DFA eventually did make it through the lean years, but not without casualties.

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My recommendation instead, however, is that we do not surrender questions of value, whether absolute matters of truth, goodness, and beauty or relative judgment of more or less truth, goodness, and beauty. With those questions to the fore, in fact, we can interrogate various other traditions and truly learn something that can improve our own. Perhaps the Presbyterians really do know more than we do about due process in church government. Perhaps the Orthodox really do know some things we do not about iconography. Perhaps the Mennonites really can teach us the meaning of 'enough.' Perhaps the Pentecostals can help liberate us from dull and disembodied worship. Baptists who have learned to improve their procedures from Presbyterians, their art from the Orthodox, their finances from the Mennonites, and their worship from the Pentecostals do not therefore become worse Baptists but better ones. And so around the ecumenical circle, no?

Young ladies may speak to young men about the weather, meals, clothing, and their relatives. Avoid conversation concerning politics, finance, or religion. Though a gentleman may bring up such topics, and a lady must follow where a gentleman leads, a skilled lady will return the conversation to an appropriate topic.

speak to young men about the weather, meals, clothing, and their relatives. Avoid conversation concerning politics, finance, or religion. Though a gentleman may bring up such topics, and a lady must follow where a gentleman leads, a skilled lady will return the conversation to an appropriate topic.

To do so, we first have to learn to see it for what it is—by cutting through all of the buzzwords, the marketing hype, the pseudoscientific shibboleths and mumbo-jumbo. Then we have to learn to evaluate it: if it is efficient, then by what measure, and who stands to benefit from its efficiency? Efficiency as a euphemism for corporate profitability shouldn’t fool us. Efficiency is a measure that relates productivity (output) to labor and resource inputs; it is meaningless unless we understand all the implications of these inputs and outputs. For a solar panel, does it simply input solar radiation and output electric current? No, its input is all the energy—mainly from fossil fuels—that went into mining, refining, fabricating, finance, design, research, sales, shipping, installation, tech support, maintenance and disposal. Its output is, yes, a modest amount of electricity. It could well turn out that your solar panel is a way to convert a lot of fossil fuel energy into a bit of electricity with the help of sunlight. How efficient is that? Perhaps it would be more efficient to use less electricity—or to not use electricity at all.

The examples of Singapore, Hong Kong and South Korea show how planning gain and the spillover effects of income and population growth on land values can be partly socialised to benefit the nation, rather than a relatively concentrated class of landowners. In Germany, for example, the planning law freezes the value of the land when the local municipality decides to specify an area for residential construction.1 The uplift in land values then finances infrastructure. A national public land bank, as in Korea, or public or community-owned land banks able to acquire land at existing use values can achieve the same objective. In many respects the UK’s New Town building programme from 1946 to 1970 was also able to do this.

In the scripture, God promised Abraham that he would be the father of many nations. In the natural it was impossible. Abraham didn’t have one child. He was eighty years old. But God didn’t just give him the promise; God gave him a picture to look at. God said, “Abraham, go out and look at the stars--that’s how many descendants you will have.” I’ve read where there are six thousand stars in the Eastern sky where he was. It’s not a coincidence that there are six thousand promises in the scripture. God was saying, “Every promise that you can get a vision for, I will bring it to pass.” God told him also to look at the grains of sand at the seashore, because that was how many relatives he would have. Why did God give him a picture? God knew there would be times when it would look as if the promise would not come to pass, and Abraham would be discouraged and tempted to give up. In those times, Abraham would go out at night and look up at the sky. When he saw the stars, faith would rise in his heart. Something would tell him, “It’s going to happen, I can see it.” In the morning when his thoughts told him, “You’re too old, it’s too late, you heard God wrong,” he would go down to the beach and look at the grains of sand. His faith would be restored. Like Abraham, there will be times when it seems as if your dreams are not coming to pass. It’s taking so long. The medical report doesn’t look good. You don’t have the resources. Business is slow. You could easily give up. But like Abraham, you’ve got to go back to that picture. Keep that vision in front of you. When you see the key to your new house, the outfit for your baby, the tennis shoes for when you’re healthy, the picture frame for your spouse, the article inspiring you to build an orphanage, those pictures of what you’re dreaming about will keep you encouraged. God is saying to you what He said to Abraham: “If you can see it, then I can do it. If you have a vision for it, then I can make a way. I can open up new doors. I can bring the right people. I can give you the finances. I can break the chains holding you back.