Financial Assistance Quotes

Loving one another isn’t enough to make a relationship last. The real glue that holds a couple (or friends or family) together is the effort both put into helping others who are in need of financial, health, personal or emotional assistance. Today, sustain your connection to a loved one by finding ways you both can help others, with a genuine heart.

When the West turned down Egypt's request for financial assistance to build a new dam on the Nile -- a national project deemed vital for the country's well-being -- the government of the time felt it had no choice but to go to the Soviet Union for help. By doing so, it committed the country to almost 20 years of Soviet influence, changing the geopolitics of the region in a consequential and durable manner.

She’s having a party, you know. This coming week.” He took a sip of wine. “I know. I received an invitation this morning before you arrived. According to her flowing prose, I am to be the guest of honor.” He shuddered. Miranda couldn’t help but laugh. “Yes, my mother is quite taken with you now that you’re assisting us financially. I’m sure she’ll fawn over you all evening.” He downed the remainder of his wine in one swig. “Dear God, now I wish I hadn’t accepted the invitation.” She giggled at his twisted, pained expression. “Oh, of course you must come. Drink the wine, appreciate the orchestra. After all, you’re paying for it.” Ethan’s expression went from a playfully pained one to a truly pained one for a brief instant. His frown drew down and he looked at her evenly. “No, Miranda. I believe it is you who are paying,” he said softly.

Meanwhile, under the new welfare laws, economic incentives were offered to female recipients of financial assistance to shun marriage and avoid the formation of two-parent families. For

An important reason may be that government at the present time is so large that it has reached the stage of negative marginal productivity, which means that any additional function it takes on will probably result in more harm than good…. If a federal program were established to give financial assistance to Boy Scouts to enable them to help old ladies cross busy intersections, we could be sure that not all the money would go to Boy Scouts, that some of those they helped would be neither old nor ladies, that part of the program would be devoted to preventing old ladies from crossing busy intersections, and that many of them would be killed because they would now cross at places where, unsupervised, they were at least permitted to cross.

The numbers were, at best, guesstimates, and all three men knew it. The relevant figure would ultimately be the one that represented the most they could possibly ask from Congress without raising too many questions. Whatever that sum turned out to be, they knew they could count on (Interim Assistant Secretary of the Treasury) Kashkari to perform some sort of mathematical voodoo to justify it:

Godwin was also of little practical assistance. He had calculated his living expenses down to the last penny, sometimes having to borrow a few pounds to make ends meet. He had never intended to assume the financial responsibility of a family, declaring that such obligations blighted the freedom of the male intellectual.

And hey," Gabe added, "I don't even need the second bedroom, so we could set that up as a guest room, then you and Wade can stay when you visit." "You might want a roommate or something." "For what...you won't let me pay you any rent, so it's not like I need the financial assistance." "Well a boyfriend maybe?" "And he'd be sleeping in the second bedroom because?" "When he's mad 'cause you won't put out, for one." Gabe tried to shove me off him. "Don't be mean—like I wouldn't want to have sex with my boyfriend." "I'm just teasing Sally Sensitive, sheesh." "I do actually like having sex you know." Gabe frowned. I gasped, placing a hand on my chest. "Lordy mercy, my little Gabe's all growed up." Gabe laughed at me. "Finally ready to stuff his Italian sausage where the sun doesn't shine!

The Kochs were also directing millions of dollars into online education, and into teaching high school students, through a nonprofit that Charles devised called the Young Entrepreneurs Academy. The financially pressed Topeka school system, for instance, signed an agreement with the organization which taught students that, among other things, Franklin Roosevelt didn’t alleviate the Depression, minimum wage laws and public assistance hurt the poor, lower pay for women was not discriminatory, and the government, rather than business, caused the 2008 recession. The program, which was aimed at low-income areas, also paid students to take additional courses online.

they set out to acquire—steal—our industrial secrets. “Curiously our free-world media fail dismally to point out that all Soviet advances are based originally on one of our stolen inventions or techniques, that without our grain they starve, and without our vast and ever-growing financial assistance and credits to buy our grains and technology they cannot fuel and refuel their whole military-industrial infrastructure which keeps their empire and people enthralled.

The notion, a debatable one, is that the man who knows the problems necessarily knows the answers. This book has not been successful if it has not suggested some big-league problems, such as: (1) Should our financial machinery be scrapped? (2) Should it be further tinkered with, and if so, how much further? (3) Is capitalism doomed? (4) What active stock selling under five dollars looks hot just now for a quick turn to pay for the Buick the wife just bought? There isn’t an assistant instructor in economics in any faculty who can’t answer these and similar questions rapidly and categorically, and if that is not enough there are a million laymen eager to do so. So I don’t feel that my vote is much needed.

Scholarships allowed her to study at Woods Hole Biological Laboratory, where she fell in love with the sea, and at Johns Hopkins University, where she was isolated, one of a handful of women in marine biology. She had no mentors and no money to continue in graduate school after completing an M.A. in zoology in 1932. Along the way she worked as a laboratory assistant in the school of public health, where she was lucky enough to receive some training in experimental genetics. As employment opportunities in science dwindled, she began writing articles about the natural history of Chesapeake Bay for the Baltimore Sun. Although these were years of financial and emotional struggle, Carson realized that she did not have to choose between science and writing, that she had the talent to do both. From childhood on, Carson was interested in

Robert Rubin, a former Secretary of the United States Treasury, one of those who sign their names on the banknote you just used to pay for coffee, collected more than $120 million in compensation from Citibank in the decade preceding the banking crash of 2008. When the bank, literally insolvent, was rescued by the taxpayer, he didn’t write any check—he invoked uncertainty as an excuse. Heads he wins, tails he shouts “Black Swan.” Nor did Rubin acknowledge that he transferred risk to taxpayers: Spanish grammar specialists, assistant schoolteachers, supervisors in tin can factories, vegetarian nutrition advisors, and clerks for assistant district attorneys were “stopping him out,” that is, taking his risks and paying for his losses. But the worst casualty has been free markets, as the public, already prone to hating financiers, started conflating free markets and higher order forms of corruption and cronyism, when in fact it is the exact opposite: it is government, not markets, that makes these things possible by the mechanisms of bailouts. It is not just bailouts: government interference in general tends to remove skin in the game.

ELEANOR ROOSEVELT and her husband, Franklin D., the assistant secretary of the navy, were invited to a party in honor of Bernard Baruch, the financier. “I’ve got to go to the Harris party which I’d rather be hung than seen at,” Eleanor wrote her mother-in-law. “Mostly Jews.” It was January 14, 1918.

Private sector networks in the United States, networks operated by civilian U.S. government agencies, and unclassified U.S. military and intelligence agency networks increasingly are experiencing cyber intrusions and attacks,” said a U.S.-China Economic and Security Review Commission report to Congress that was published the same month Conficker appeared. “. . . Networks connected to the Internet are vulnerable even if protected with hardware and software firewalls and other security mechanisms. The government, military, businesses and economic institutions, key infrastructure elements, and the population at large of the United States are completely dependent on the Internet. Internet-connected networks operate the national electric grid and distribution systems for fuel. Municipal water treatment and waste treatment facilities are controlled through such systems. Other critical networks include the air traffic control system, the system linking the nation’s financial institutions, and the payment systems for Social Security and other government assistance on which many individuals and the overall economy depend. A successful attack on these Internet-connected networks could paralyze the United States [emphasis added].

Meanwhile, bank executives bristled—sometimes privately, but often in the press—at any suggestion that they had in any way screwed up, or should be subject to any constraints when it came to running their business. This last bit of chutzpah was most pronounced in the two savviest operators on Wall Street, Lloyd Blankfein of Goldman Sachs and Jamie Dimon of JPMorgan Chase, both of whom insisted that their institutions had avoided the poor management decisions that plagued other banks and neither needed nor wanted government assistance. These claims were true only if you ignored the fact that the solvency of both outfits depended entirely on the ability of the Treasury and the Fed to keep the rest of the financial system afloat, as well as the fact that Goldman in particular had been one of the biggest peddlers of subprime-based derivatives—and had dumped them onto less sophisticated customers right before the bottom fell out.

There were hierarchies within the free citizen population too. One clause draws a distinction between patricians and plebeians, another between assidui (men of property) and proletarii (those without property – whose contribution to the city was the production of offspring, proles). Another refers to ‘patrons’ and ‘clients’ and to a relationship of dependency and mutual obligation between richer and poorer citizens that remained important throughout Roman history. The basic principle was that the client depended on his patron for protection and assistance, financial and otherwise, in return for a variety of services rendered, including votes in elections.

The Noser and the Note The Head Rifler of an insolvent bank, learning that it was about to be visited by the official Noser into Things, placed his own personal note for a large amount among its resources, and, gaily touching his guitar, awaited the inspection.  When the Noser came to the note he asked, “What’s this?” “That,” said the Assistant Pocketer of Deposits, “is one of our liabilities.” “A liability?” exclaimed the Noser.  “Nay, nay, an asset.  That is what you mean, doubtless.” “Therein you err,” the Pocketer explained; “that note was written in the bank with our own pen, ink, and paper, and we have not paid a stationery bill for six months.” “Ah, I see,” the Noser said, thoughtfully; “it is a liability.  May I ask how you expect to meet it?” “With fortitude, please God,” answered the Assistant Pocketer, his eyes to Heaven raising—“with fortitude and a firm reliance on the laxity of the law.” “Enough, enough,” exclaimed the faithful servant of the State, choking with emotion; “here is a certificate of solvency.” “And here is a bottle of ink,” the grateful financier said, slipping it into the other’s pocket; “it is all that we have.

One result of the federal government’s student financial aid programs is higher tuition costs at our nation’s colleges and universities.” Although paradoxical, this result could have been predicted from basic economic theory: when students can come up with more money for college, thanks to the government’s efforts, colleges can afford to increase their tuition. “The empirical evidence is consistent with that—federal loans, Pell grants, and other assistance programs result in higher tuition for students at our nation’s colleges and universities.

If you run a bakery, you need a baker, a shop assistant to sell the cakes, and someone to oversee the finances. Would you employ the same person to do all three jobs? Of course not. Your financial wizard may know nothing about baking, but he will keep your accounts in perfect order. Your shop assistant may know nothing about finances, but he understands how to treat his customers. Each brings a unique skill to his job. In the same way, you may know enough about each set of skills to be able to manage a team of people, but you aren’t necessarily the best person to actually do the baking, even if you have a rough knowledge of it.

One other important footnote to history: On Sunday, March 16, the same day that JP Morgan Chase announced its purchase of Bear Stearns and the Fed announced its approval of the deal, the Fed’s Board of Governors created the Primary Dealer Credit Facility. The PDCF made it much easier to lend money to securities firms by, for example, broadening the range of eligible collateral. Bear executives maintained that they could have averted bankruptcy without requiring assistance, if they had been given access to the PDCF. Jimmy Cayne told the FCIC that the PDCF came “just about 45 minutes” too late to save his firm. No one will ever know.

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.

If government had declined to build racially separate public housing in cities where segregation hadn’t previously taken root, and instead had scattered integrated developments throughout the community, those cities might have developed in a less racially toxic fashion, with fewer desperate ghettos and more diverse suburbs. If the federal government had not urged suburbs to adopt exclusionary zoning laws, white flight would have been minimized because there would have been fewer racially exclusive suburbs to which frightened homeowners could flee. If the government had told developers that they could have FHA guarantees only if the homes they built were open to all, integrated working-class suburbs would likely have matured with both African Americans and whites sharing the benefits. If state courts had not blessed private discrimination by ordering the eviction of African American homeowners in neighborhoods where association rules and restrictive covenants barred their residence, middle-class African Americans would have been able gradually to integrate previously white communities as they developed the financial means to do so. If churches, universities, and hospitals had faced loss of tax-exempt status for their promotion of restrictive covenants, they most likely would have refrained from such activity. If police had arrested, rather than encouraged, leaders of mob violence when African Americans moved into previously white neighborhoods, racial transitions would have been smoother. If state real estate commissions had denied licenses to brokers who claimed an “ethical” obligation to impose segregation, those brokers might have guided the evolution of interracial neighborhoods. If school boards had not placed schools and drawn attendance boundaries to ensure the separation of black and white pupils, families might not have had to relocate to have access to education for their children. If federal and state highway planners had not used urban interstates to demolish African American neighborhoods and force their residents deeper into urban ghettos, black impoverishment would have lessened, and some displaced families might have accumulated the resources to improve their housing and its location. If government had given African Americans the same labor-market rights that other citizens enjoyed, African American working-class families would not have been trapped in lower-income minority communities, from lack of funds to live elsewhere. If the federal government had not exploited the racial boundaries it had created in metropolitan areas, by spending billions on tax breaks for single-family suburban homeowners, while failing to spend adequate funds on transportation networks that could bring African Americans to job opportunities, the inequality on which segregation feeds would have diminished. If federal programs were not, even to this day, reinforcing racial isolation by disproportionately directing low-income African Americans who receive housing assistance into the segregated neighborhoods that government had previously established, we might see many more inclusive communities. Undoing the effects of de jure segregation will be incomparably difficult. To make a start, we will first have to contemplate what we have collectively done and, on behalf of our government, accept responsibility.

Even as a kid, I’d lie when people asked if I attended church regularly. According to Gallup, I wasn’t alone in feeling that pressure. The juxtaposition is jarring: Religious institutions remain a positive force in people’s lives, but in a part of the country slammed by the decline of manufacturing, joblessness, addiction, and broken homes, church attendance has fallen off. Dad’s church offered something desperately needed by people like me. For alcoholics, it gave them a community of support and a sense that they weren’t fighting addiction alone. For expectant mothers, it offered a free home with job training and parenting classes. When someone needed a job, church friends could either provide one or make introductions. When Dad faced financial troubles, his church banded together and purchased a used car for the family. In the broken world I saw around me—and for the people struggling in that world—religion offered tangible assistance to keep the faithful on track.

Despite the fact that Uncle Rulon and his followers regard the governments of Arizona, Utah, and the United States as Satanic forces out to destroy the UEP, their polygamous community receives more than $6 million a year in public funds. More than $4 million of government largesse flows each year into the Colorado City public school district—which, according to the Phoenix New Times, “is operated primarily for the financial benefit of the FLDS Church and for the personal enrichment of FLDS school district leaders.” Reporter John Dougherty determined that school administrators have “plundered the district’s treasury by running up thousands of dollars in personal expenses on district credit cards, purchasing expensive vehicles for their personal use and engaging in extensive travel. The spending spree culminated in December [2000], when the district purchased a $220,000 Cessna 210 airplane to facilitate trips by district personnel to cities across Arizona.” Colorado City has received $1.9 million from the U.S. Department of Housing and Urban Development to pave its streets, improve the fire department, and upgrade the water system. Immediately south of the city limits, the federal government built a $2.8 million airport that serves almost no one beyond the fundamentalist community. Thirty-three percent of the town’s residents receive food stamps—compared to the state average of 4.7 percent. Currently the residents of Colorado City receive eight dollars in government services for every dollar they pay in taxes; by comparison, residents in the rest of Mohave County, Arizona, receive just over a dollar in services per tax dollar paid. “Uncle Rulon justifies all that assistance from the wicked government by explaining that really the money is coming from the Lord,” says DeLoy Bateman. “We’re taught that it’s the Lord’s way of manipulating the system to take care of his chosen people.” Fundamentalists call defrauding the government “bleeding the beast” and regard it as a virtuous act.

Soon all humane people would understand the need for a revolution from below, where those who worked and struggled and produced would be the ruling class. Those with eyes to see could detect this with ease, while those whose eyes had yet to be opened could always… well, it was thought that events would also assist in persuading them. I realize that this may sound slightly as if I had joined a cult. There actually was a rival Trotskyist group, later to make itself notorious by recruiting Corin and Vanessa Redgrave, whose depraved “leader” Gerry Healy did in fact teach us all we needed to learn about cultism and the mental and sexual and financial exploitation of the young and the credulous. (I learned a lot about “faith-based” movements from this early instruction.) But the “I.S.,” as our group was known, had a relaxed and humorous internal life and also a quizzical and critical attitude to the “Sixties” mindset. We didn’t grow our hair too long, because we wanted to mingle with the workers at the factory gate and on the housing estates. We didn’t “do” drugs, which we regarded as a pathetic, weak-minded escapism almost as contemptible as religion (as well as a bad habit which could expose us to a “plant” from the police). Rock and roll and sex were OK. Looking back, I still think we picked the right options.

Each of the three recognized categories—care, service, and education—would encompass a wide range of activities, with different levels of compensation for full- and part-time participation. Care work could include parenting of young children, attending to an aging parent, assisting a friend or family member dealing with illness, or helping someone with mental or physical disabilities live life to the fullest. This category would create a veritable army of people—loved ones, friends, or even strangers—who could assist those in need, offering them what my entrepreneur friend’s touchscreen device for the elderly never could: human warmth. Service work would be similarly broadly defined, encompassing much of the current work of nonprofit groups as well as the kinds of volunteers I saw in Taiwan. Tasks could include performing environmental remediation, leading afterschool programs, guiding tours at national parks, or collecting oral histories from elders in our communities. Participants in these programs would register with an established group and commit to a certain number of hours of service work to meet the requirements of the stipend. Finally, education could range from professional training for the jobs of the AI age to taking classes that could transform a hobby into a career. Some recipients of the stipend will use that financial freedom to pursue a degree in machine learning and use it to find a high-paying job.

Man is an irrational creature...for he seeks pleasure instead of abstinence, lies and deceit, instead of counsel and advice, violence and war, instead of withhold and peace, and easy wanton ignorance and gluttony, instead of hard sought after wisdom and moderation...man has grown indifferent to the sufferings of his fellow man and neighbor, for he only cares as to whether there is any monetary gain or financial reward, for his immediate and erstwhile assistance...man, in this current age, has completely lost the ability to engage in disciplined learning and fair and honest debate, for instead he would rather believe in lies and falsehoods, for it only confirms his prejudicial beliefs and irrational fears, all fed to him by the so-called, "fair and balanced" news media...he is a patriot for all the wrong reasons, for his patriotism is one of selfish jingoism, instead of an objective and unadulterated, "universal brotherhood", that seeks to find common ground and common solutions across the diplomatic table, instead of blind "sabre rattling" and childish and superficial flag waving...man's blind and puerile barbarism is what will ultimately do him in, in the very end, for the prophets of the present who tried to warn him as he stood at the edge of a moral and spiritual precipice, will be the ones who will wear a quiet and confirming smile, as man and his erstwhile shadow of ignorance, will be cast into the bottomless pit, of eternal damnation and doom...

My Future Self My future self and I become closer and closer as time goes by. I must admit that I neglected and ignored her until she punched me in the gut, grabbed me by the hair and turned my butt around to introduce herself. Well, at least that’s what it felt like every time I left the convalescent hospital after doing skills training for a certification I needed to help me start my residential care business. I was going to be providing specialized, 24/7 residential care and supervising direct care staff for non-verbal, non-ambulatory adult men in diapers! I ran to the Red Cross and took the certified nurse assistant class so I would at least know something about the job I would soon be hiring people to do and to make sure my clients received the best care. The training facility was a Medicaid hospital. I would drive home in tears after seeing what happens when people are not able to afford long-term medical care and the government has to provide that care. But it was seeing all the “young” patients that brought me to tears. And I had thought that only the elderly lived like this in convalescent hospitals…. I am fortunate to have good health but this experience showed me that there is the unexpected. So I drove home each day in tears, promising God out loud, over and over again, that I would take care of my health and take care of my finances. That is how I met my future self. She was like, don’t let this be us girlfriend and stop crying! But, according to studies, we humans have a hard time empathizing with our future selves. Could you even imagine your 30 or 40 year old self when you were in elementary or even high school? It’s like picturing a stranger. This difficulty explains why some people tend to favor short-term or immediate gratification over long-term planning and savings. Take time to picture the life you want to live in 5 years, 10 years, and 40 years, and create an emotional connection to your future self. Visualize the things you enjoy doing now, and think of retirement saving and planning as a way to continue doing those things and even more. However, research shows that people who interacted with their future selves were more willing to improve savings. Just hit me over the head, why don’t you! I do understand that some people can’t even pay attention or aren’t even interested in putting money away for their financial future because they have so much going on and so little to work with that they feel like they can’t even listen to or have a conversation about money. But there are things you’re doing that are not helping your financial position and could be trouble. You could be moving in the wrong direction. The goal is to get out of debt, increase your collateral capacity, use your own money in the most efficient manner and make financial decisions that will move you forward instead of backwards. Also make sure you are getting answers specific to your financial situation instead of blindly guessing! Contact us. We will be happy to help!

In January 2004 President George W. Bush put NASA in high gear, heading back to the moon with a space vision that was to have set in motion future exploration of Mars and other destinations. The Bush space policy focused on U.S. astronauts first returning to the moon as early as 2015 and no later than 2020. Portraying the moon as home to abundant resources, President Bush did underscore the availability of raw materials that might be harvested and processed into rocket fuel or breathable air. “We can use our time on the moon to develop and test new approaches and technologies and systems that will allow us to function in other, more challenging, environments. The moon is a logical step toward further progress and achievement,” he remarked in rolling out his space policy. To fulfill the Bush space agenda required expensive new rockets—the Ares I launcher and the large, unfunded Ares V booster—plus a new lunar module, all elements of the so-called Constellation Program. The Bush plan forced retirement of the space shuttle in 2010 to pay for the return to the moon, but there were other ramifications as well. Putting the shuttle out to pasture created a large human spaceflight gap in reaching the International Space Station. The price tag for building the station is roughly $100 billion, and without the space shuttle, there’s no way to reach it without Russian assistance. In the end, the stars of the Constellation Program were out of financial alignment. It was an impossible policy to implement given limited NASA money.

Back in 2015, a volunteer group called Bitnation set up something called the Blockchain Emergency ID. There’s not a lot of data on the project now, BE-ID - used public-key cryptography to generate unique IDs for people without their documents. People could verify their relations, that these people belonged to their family, and so on. It was a very modern way of maintaining an ID; secure, fast, and easy to use. Using the Bitcoin blockchain, the group published all these IDs on to a globally distributed public ledger, spread across the computers of every single Bitcoin user online - hundreds of thousands of users, in those times. Once published, no government could undo it; the identities would float around in the recesses of the Internet. As long as the network remained alive, every person's identity would remain intact, forever floating as bits and bytes between the nations: no single country, government or company could ever deny them this. “That was, and I don't say this often, the fucking bomb,” said Common, In one fell swoop, identities were taken outside government control. BE-ID, progressing in stages, became the refugees' gateway to social assistance and financial services. First it became compliant with UN guidelines. Then it was linked to a VISA card. And thus out of the Syrian war was something that looked like it could solve global identification forever. Experts wrote on its potential. No more passports. No more national IDs. Sounds familiar? Yes, that’s the United Nations Identity in a nutshell. Julius Common’s first hit - the global identity revolution that he sold first to the UN, and then to almost every government in the world - was conceived of when he was a teenager.

Smart Sexy Money is About Your Money As an accomplished entrepreneur with a history that spans more than fourteen years, Annette Wise is constantly looking for ways to give back to her community. Using enterprising efforts, she qualified for $125,000 in startup funding to develop a specialized residential facility that allows developmentally disabled adults to live in the community after almost a lifetime of living in a state institution. In doing so, she has provided steady employment in her community for the last thirteen years. After dedicating years to her residential facility, Annette began to see clearly the difficulty business owners face in planning for retirement successfully. Searching high and low to find answers, she took control of financial uncertainty and in less than 2 years, she became a Full Life Agent, licensed Registered Representative, Investment Advisor Representative and Limited Principal. Her focus is on building an extensive list of clients that depend on her for smart retirement guidance, thorough college planning, detailed business continuation, and business exit strategies. Clients have come to rely on Annette for insight on tax advantaged savings and retirement options. Annette’s primary goal is to help her clients understand more than just concepts, but to easily understand how money works, the consequences of their decisions and how they work in conjunction with their desires and goal. Ever the curious soul who is always up for a challenge, Annette is routinely resourceful at finding sensible means to a sometimes-challenging end. She believes in infinite possibilities as well as in sharing her knowledge with others. She is the go-to source for “Smart Wealth Solutions.” Among Annette’s proudest accomplishments are her two wonderful sons, Michael III and Matthew. As a single mom, they have been her inspiration and joy. She is forever grateful to the greatest brothers in the world- Andrew and Anthony Wise, for assistance in grooming them into amazing young men.

The enemy won some points at the very beginning. On both of the two days preceding his remarks about Worth, Hitchcock notes that American deserters had been shot while crossing the Rio Grande. Probably they were just bored with army rations but there was some thought that they might be responding to a proclamation of General Ampudia’s which spies had been able to circulate in camp. Noting the number of Irish, French, and Polish immigrants in the American force, Ampudia had summoned them to assert a common Catholicism, come across the river, cease “to defend a robbery and usurpation which, be assured, the civilized nations of Europe look upon with the utmost indignation,” and settle down on a generous land bounty. Some of them did so, and the St. Patrick Battalion of American deserters was eventually formed, fought splendidly throughout the war, and was decimated in the campaign for Mexico City — after which its survivors were executed in daily batches.… This earliest shooting of deserters as they swam the Rio Grande, an unwelcome reminder that war has ugly aspects, at once produced an agitation. As soon as word of it reached Washington, the National Intelligencer led the Whig press into a sustained howl about tyranny. In the House J. Q. Adams rose to resolve the court-martial of every officer or soldier who should order the killing of a soldier without trial and an inquiry into the reasons for desertion. He was voted down but thereafter there were deserters in every Whig speech on the conduct of the war, and Calm Observer wrote to all party papers that such brutality would make discipline impossible. But a struggling magazine which had been founded the previous September in the interest of sports got on a sound financial footing at last. The National Police Gazette began to publish lists of deserters from the army, and the War Department bought up big editions to distribute among the troops. Taylor sat in his field works writing prose. Ampudia’s patrols reconnoitered the camp and occasionally perpetrated an annoyance. Taylor badly needed the Texas Rangers, a mobile force formed for frontier service in the Texas War of Independence and celebrated ever since. It was not yet available to him, however, and he was content to send out a few scouts now and then. So Colonel Truman Cross, the assistant quartermaster general, did not return from one of his daily rides. He was still absent twelve days later, and Lieutenant Porter, who went looking for him with ten men, ran into some Mexican foragers and got killed.

Anna Chapman was born Anna Vasil’yevna Kushchyenko, in Volgograd, formally Stalingrad, Russia, an important Russian industrial city. During the Battle of Stalingrad in World War II, the city became famous for its resistance against the German Army. As a matter of personal history, I had an uncle, by marriage that was killed in this battle. Many historians consider the battle of Stalingrad the largest and bloodiest battle in the history of warfare. Anna earned her master's degree in economics in Moscow. Her father at the time was employed by the Soviet embassy in Nairobi, Kenya, where he allegedly was a senior KGB agent. After her marriage to Alex Chapman, Anna became a British subject and held a British passport. For a time Alex and Anna lived in London where among other places, she worked for Barclays Bank. In 2009 Anna Chapman left her husband and London, and moved to New York City, living at 20 Exchange Place, in the Wall Street area of downtown Manhattan. In 2009, after a slow start, she enlarged her real-estate business, having as many as 50 employees. Chapman, using her real name worked in the Russian “Illegals Program,” a group of sleeper agents, when an undercover FBI agent, in a New York coffee shop, offered to get her a fake passport, which she accepted. On her father’s advice she handed the passport over to the NYPD, however it still led to her arrest. Ten Russian agents including Anna Chapman were arrested, after having been observed for years, on charges which included money laundering and suspicion of spying for Russia. This led to the largest prisoner swap between the United States and Russia since 1986. On July 8, 2010 the swap was completed at the Vienna International Airport. Five days later the British Home Office revoked Anna’s citizenship preventing her return to England. In December of 2010 Anna Chapman reappeared when she was appointed to the public council of the Young Guard of United Russia, where she was involved in the education of young people. The following month Chapman began hosting a weekly TV show in Russia called Secrets of the World and in June of 2011 she was appointed as editor of Venture Business News magazine. In 2012, the FBI released information that Anna Chapman attempted to snare a senior member of President Barack Obama's cabinet, in what was termed a “Honey Trap.” After the 2008 financial meltdown, sources suggest that Anna may have targeted the dapper Peter Orzag, who was divorced in 2006 and served as Special Assistant to the President, for Economic Policy. Between 2007 and 2010 he was involved in the drafting of the federal budget for the Obama Administration and may have been an appealing target to the FSB, the Russian Intelligence Agency. During Orzag’s time as a federal employee, he frequently came to New York City, where associating with Anna could have been a natural fit, considering her financial and economics background. Coincidently, Orzag resigned from his federal position the same month that Chapman was arrested. Following this, Orzag took a job at Citigroup as Vice President of Global Banking. In 2009, he fathered a child with his former girlfriend, Claire Milonas, the daughter of Greek shipping executive, Spiros Milonas, chairman and President of Ionian Management Inc. In September of 2010, Orzag married Bianna Golodryga, the popular news and finance anchor at Yahoo and a contributor to MSNBC's Morning Joe. She also had co-anchored the weekend edition of ABC's Good Morning America. Not surprisingly Bianna was born in in Moldova, Soviet Union, and in 1980, her family moved to Houston, Texas. She graduated from the University of Texas at Austin, with a degree in Russian/East European & Eurasian studies and has a minor in economics. They have two children. Yes, she is fluent in Russian! Presently Orszag is a banker and economist, and a Vice Chairman of investment banking and Managing Director at Lazard.

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And yet despite these shifts in employment patterns, most brand-name retail, service and restaurant chains have opted to put on economic blinders, insisting that they are still offering hobby jobs for kids. Never mind that the service sector is now filled with workers who have multiple university degrees, immigrants unable to find manufacturing jobs, laid-off nurses and teachers, and downsized middle managers. Never mind, too, that the students who do work in retail and fast food — as many of them do - are facing higher tuition costs, less financial assistance from parents and government and more years in school. Never mind that the food service workforce has been steadily aging over the last decade so that more than half are now over twenty-five years old. Or that a 1997 study found that 25 percent of non-management Canadian retail workers had been with the same company for eleven years or more and that 39 percent had been there for between four and ten years. That's a lot longer than "Chainsaw" Al Dunlap lasted as CEO of Sunbeam Corp. But never mind all that. Everyone knows that a job in the service sector is a hobby, and retail is a place where people go for "experience," not a livelihood.

Agricultural cooperation thrived during the 1930s, again due to New Deal initiatives. In 1933 the Farm Credit Administration set up Banks for Cooperatives, a program that created a central bank and twelve district banks; it “became a member-controlled system of financing farmer cooperatives, as well as telephone and electric cooperatives.”181 For the rest of the century, Banks for Cooperatives would prove an invaluable resource. Already by 1939 its financial assistance made it possible for half the farmers in the United States to belong to cooperatives. With World War II and the end of the New Deal, and especially in conservative postwar America, cooperation in all spheres but agriculture plummeted. The political left went off to fight Hitler as the center gained control of the government and many unions. After the war the CIO was purged of Communists, dealing a huge blow to the labor movement. Through reactionary legislation like the Taft-Hartley Act, military and police violence against unions, imperialist foreign policy, so-called “McCarthyite” fear-mongering, massive propaganda campaigns, and other such devices that created a center-right consensus in the 1950s, the labor and cooperative movements were severely damaged. It was essentially a war of big business and conservative Republicans against the social and political legacy of New Deal America, a war in which centrist politicians and even liberal Democrats were complicit, due in large part to the supposed exigencies of the Cold War.182

A British expatriate, Philip Aldous, who was secretary of financial affairs in Qaboos’s father’s regime, represented the Omani government in its dealings with the British-and Dutch-run PDO. He had no backup staff of petroleum economists or engineers to assist him in this job.

Various musicians consented here and there to give the young boy lessons, but in 1781, Ludwig officially became the pupil of Christian Gottlob Neefe, the new court organist. This relationship opened up Ludwig’s first great responsibility in 1782, when Neefe temporarily traveled elsewhere, leaving his duties as organist for religious services to Ludwig. The boy had to play twice every day for the Catholic masses in addition to other special services. In 1783, the busy Neefe also asked Ludwig to take his place in playing the harpsichord (another instrument similar to a piano) for rehearsals of the court orchestra. Neefe had stretched Ludwig’s capabilities by requiring him to practice the works of Johann Sebastian Bach. Now Ludwig would have to read and play a variety of complicated musical pieces, further expanding his musical education. In addition, Beethoven began producing noteworthy compositions of his own. It was not until 1784, however, that Ludwig was officially appointed as Neefe’s assistant as court organist and finally began receiving a small salary. At last, he could help to financially support his family with his music, the purpose toward which his father had groomed him practically from babyhood. In 1787, at 16 years of age, Beethoven was sent to Vienna, Austria, to study under the musical master, Amadeus Wolfgang Mozart. It is not known whether he was able to receive lessons from Mozart, though some say that he was instructed by him in musical composition. Unfortunately, Beethoven’s mother became seriously ill with tuberculosis, and he had to hurry home from Vienna to say goodbye before her death at 40 years of age.

Those, who go to aliens with a begging bowl, for financial assistance in the pursuit of retaining power in their country, damage national pride and subject the nation to international ridicule. Such people are criminals.

What do citizens expect of government agencies entrusted with crime control, risk control, or other harm reduction duties? The public does not expect that governments will be able to prevent all crimes or contain all harms. But they do expect government agencies to provide the best protection possible, and at a reasonable price, by being:           Vigilant, so they can spot emerging threats early, pick up on precursors and warning signs, use their imaginations to work out what could happen, use their intelligence systems to discover what others are planning, and do all this before much harm is done.           Nimble, flexible enough to organize themselves quickly and appropriately around each emerging crime pattern rather than being locked into routines and processes designed for traditional issues.           Skillful, masters of the entire intervention tool kit, experienced (as craftsmen) in picking the best tools for each task, and adept at inventing new approaches when existing methods turn out to be irrelevant or insufficient to suppress an emerging threat.8 Real success in crime control—spotting emerging crime problems early and suppressing them before they do much harm—would not produce substantial year-to-year reductions in crime figures, because genuine and substantial reductions are available only when crime problems have first grown out of control. Neither would best practices produce enormous numbers of arrests, coercive interventions, or any other specific activity, because skill demands economy in the use of force and financial resources and rests on artful and well-tailored responses rather than extensive and costly campaigns. Ironically, therefore, the two classes of metrics that still seem to wield the most influence in many departments—crime reduction and enforcement productivity—would utterly fail to reflect the very best performance in crime control. Further, we must take seriously the fact that other important duties of the police will never be captured through crime statistics or in measures of enforcement output. As NYPD Assistant Commissioner Ronald J. Wilhelmy wrote in a November 2013 internal NYPD strategy document:

Today’s equivalent is probably ‘get an engineering degree’, but it will not necessarily be as lucrative. A third of Americans who graduated in STEM subjects (science, technology, engineering and maths) are in jobs that do not require any such qualification.52 They must still pay off their student debts. Up and down America there are programmers working as office temps and even fast-food servers. In the age of artificial intelligence, more and more will drift into obsolescence. On the evidence so far, this latest technological revolution is different in its dynamics from earlier ones. In contrast to earlier disruptions, which affected particular sectors of the economy, the effects of today’s revolution are general-purpose. From janitors to surgeons, virtually no jobs will be immune. Whether you are training to be an airline pilot, a retail assistant, a lawyer or a financial trader, labour-saving technology is whittling down your numbers – in some cases drastically so. In 2000, financial services employed 150,000 people in New York. By 2013 that had dropped to 100,000. Over the same period, Wall Street’s profits have soared. Up to 70 per cent of all equity trades are now executed by algorithms.53 Or take social media. In 2006, Google bought YouTube for $1.65 billion. It had sixty-five employees, so the price amounted to $25 million per employee. In 2012 Facebook bought Instagram, which had thirteen employees, for $1 billion. That came to $77 million per employee. In 2014, it bought WhatsApp, with fifty-five employees, for $19 billion, at a staggering $345 million per employee.54 Such riches are little comfort to the thousands of engineers who cannot find work. Facebook’s data servers are now managed by Cyborg, a software program. It requires one human technician for every twenty thousand computers.

[…] la prévention restera une approche durablement optimale sur le plan économique, médical et épidémiologique, a fortiori dans les pays où les systèmes de santé sont plus fragiles. En s'appuyant sur ce postulat, on peut imaginer un premier scénario qui préfigure l'émergence d'un nouveau système de santé et qui, en même temps, reformule le contrat social. Dans ce scénario, l'effort principal est porté sur la promotion de modes de vie sains : tandis que la recherche utilise plus largement les Big Data pour repérer les facteurs et contextes pathogènes, l'éducation publique à la santé et le sport sont promus dès le plus jeune âge dans le cadre de l'institution scolaire, jusqu'aux âges avancés de la vie à la faveur de l'engagement financier des organismes d'assurances. À leur tour, les nouvelles technologies assistent les individus pour qu'ils réduisent leurs comportements morbifiques dans le cadre d'un nouveau dispositif de solidarité : en échange de la surveillance des personnes, de leur mode de vie et ce qu'elles consomment (alcool, tabac, graisses, sucres…), celles-ci continuent de bénéficier de la prise en charge de leurs soins, à condition aussi de respecter les règles d'hygiène de vie recommandées par les autorités sanitaires. Sur le plan législatif et normatif enfin, un dispositif réglementaire et de contrôle plus contraignant est adopté qui pénalise les comportements à risque, mais aussi l'usage de substances et de matériaux toxiques dans la production industrielle et agricole. Dans ce cadre par exemple, l'utilisation de produits locaux issus de l'agriculture biologique devient obligatoire dans la restauration collective en même temps que sont adoptées des règles drastiques pour limiter les émissions de particules fines. (p. 41)

Back in the day, surplus harvests or an excess of rare minerals had been quietly shoved out into oblivion, assisting the market price, reaping bigger profits for the financial sectors at the expense of the consumer.

U.S. Bancorp & Capital Trust is a licensed Investment Bank and Statutory Trust specialized in assisting entrepreneurs and businesses across the world with equity investments, management consulting, financial advisory services and establishment of investment banks and capital protected private equity funds.

We get paid much more to keep someone on dialysis than to keep them off of it. If we don’t achieve dialysis metrics—like avoiding dialysis catheters or providing a certain dose of dialysis—known to best result in long-term benefits, we are financially penalized. But create a fistula in a little old lady that usually requires interventions to make it work and keep it working and make her stay on the dialysis machine as long as it takes for the numbers to look right, then essentially get a bonus. If we see an in-center hemodialysis patient four times in a month, we stand to make 50 percent more money than if we only saw her once. And the nephrologist really only has to see the patient once each month—if a physician assistant sees the patient the other times, we still get paid. We would have to document a comprehensive medical history and examination over the better part of an hour with a patient returning to clinic twice to see the same money—and good luck trying to justify why that was clinically necessary to do. The second, third, and fourth in-center hemodialysis patient visits can be more like drive-bys—a simple documentation that we (or the physician assistant) “saw” the patient, with no notation of time required. Private insurance companies and the Medicare ESRD program pay top dollar for dialysis care, not clinic visits. It’s profitable to build another dialysis center, but we haven’t figured out how to build comprehensive outpatient palliative care services.

This book is a compilation of interesting ideas that have strongly influenced my thoughts and I want to share them in a compressed form. That ideas can change your worldview and bring inspiration and the excitement of discovering something new. The emphasis is not on the technology because it is constantly changing. It is much more difficult to change the accompanying circumstances that affect the way technological solutions are realized. The chef did not invent salt, pepper and other spices. He just chooses good ingredients and uses them skilfully, so others can enjoy his art. If I’ve been successful, the book creates a new perspective for which the selection of ingredients is important, as well as the way they are smoothly and efficiently arranged together. In the first part of the book, we follow the natural flow needed to create the stimulating environment necessary for the survival of a modern company. It begins with challenges that corporations are facing, changes they are, more or less successfully, trying to make, and the culture they are trying to establish. After that, we discuss how to be creative, as well as what to look for in the innovation process. The book continues with a chapter that talks about importance of inclusion and purpose. This idea of inclusion – across ages, genders, geographies, cultures, sexual orientation, and all the other areas in which new ways of thinking can manifest – is essential for solving new problems as well as integral in finding new solutions to old problems. Purpose motivates people for reaching their full potential. This is The second and third parts of the book describes the areas that are important to support what is expressed in the first part. A flexible organization is based on IT alignment with business strategy. As a result of acceleration in the rate of innovation and technological changes, markets evolve rapidly, products’ life cycles get shorter and innovation becomes the main source of competitive advantage. Business Process Management (BPM) goes from task-based automation, to process-based automation, so automating a number of tasks in a process, and then to functional automation across multiple processes andeven moves towards automation at the business ecosystem level. Analytics brought us information and insight; AI turns that insight into superhuman knowledge and real-time action, unleashing new business models, new ways to build, dream, and experience the world, and new geniuses to advance humanity faster than ever before. Companies and industries are transforming our everyday experiences and the services we depend upon, from self-driving cars, to healthcare, to personal assistants. It is a central tenet for the disruptive changes of the 4th Industrial Revolution; a revolution that will likely challenge our ideas about what it means to be a human and just might be more transformative than any other industrial revolution we have seen yet. Another important disruptor is the blockchain - a distributed decentralized digital ledger of transactions with the promise of liberating information and making the economy more democratic. You no longer need to trust anyone but an algorithm. It brings reliability, transparency, and security to all manner of data exchanges: financial transactions, contractual and legal agreements, changes of ownership, and certifications. A quantum computer can simulate efficiently any physical process that occurs in Nature. Potential (long-term) applications include pharmaceuticals, solar power collection, efficient power transmission, catalysts for nitrogen fixation, carbon capture, etc. Perhaps we can build quantum algorithms for improving computational tasks within artificial intelligence, including sub-fields like machine learning. Perhaps a quantum deep learning network can be trained more efficiently, e.g. using a smaller training set. This is still in conceptual research domain.

Federal law enforcement officials, even in free states, were required to arrest fugitive slaves and anyone who assisted them and threatened with punishment if they failed to enforce the measure: “Any marshal or deputy marshal refuse to receive such warrant, or other process, when tendered, or to use all proper means diligently to execute the same, he shall, on conviction thereof, be fined in the sum of one thousand dollars.”41 The act nullified state laws and forced citizens and local officials to apprehend escaped slaves regardless of their convictions, religious views, or state or local laws and compelled citizens in free states to “aid and assist in the prompt and efficient execution of this law, whenever their services may be required.”42 Penalties were harsh and the financial incentives for compliance attractive. “Anyone caught providing food and shelter to an escaped slave, assuming northern whites could discern who was a runaway, would be subject to a fine of one thousand dollars and six months in prison. The law also suspended habeas corpus and the right to trial by jury for captured blacks.

Confronted with the fact that many women choose abortion because they feel they have no other options, pregnancy-resource centers exist to present women with alternatives to abortion and to provide whatever assistance they need to continue their pregnancy, almost all of which is offered at no cost. For some mothers, this might be a pregnancy test or an ultrasound, or counseling to encourage her that motherhood is a worthwhile choice that she’s capable of undertaking. For others, it might be learning the facts about adoption and receiving help in navigating the adoption process. Most pregnancy-resource centers offer women financial or material support that she isn’t receiving from the child’s father or from her own family, support that enables her to feel confident in choosing life.

Adjusting the public record in the West was certainly more complicated than it was at home, and vastly more expensive. Tony Blair guarded the financial details of his consultancy work as jealously as Nazarbayev guarded the details of his kickbacks, but the three-term prime minister’s services were said to cost Kazakhstan $13 million a year. Blair understood when to use light, when darkness. Back in 2006, investigators from the Serious Fraud Office chasing down bribery related to the sale of British fighter jets to Saudi Arabia had tried to inspect the middlemen’s Swiss accounts. The House of Saud had sent word that such interference in their affairs would cause them to cancel the next multibillion-dollar batch of planes from BAE Systems, formerly British Aerospace. Blair’s government halted the SFO investigation, on the grounds of Saudi Arabia’s invaluable assistance in heading off attacks by adherents of the jihadism the kingdom itself sponsored. For Sir Dick Evans, a lifelong arms dealer who had risen to the chairmanship of BAE and been questioned by the SFO’s bribery investigators as they homed in on their targets, this represented a bullet dodged at the last second. His next profitable course would lead to Kazakhstan, to set up an airline, Astana Air.

According to Ivar, he and Dr Glowacki reached a final agreement on July 2, 1925, just days before the new participating preferred shares were to be sold. Ivar’s assistant, Karin Bökman, said she witnessed the signatures to the secret deal; she certified the translation of the original contract, as did a Polish notary. Dr Glowacki signed on behalf of the “Treasury of the Polish State,” and Ivar signed on behalf of International Match Corporation.32 Ivar apparently didn’t need to use the stamp he had prepared with a facsimile of Dr Glowacki’s signature. Like the B Shares, this contract was a marvel of financial innovation. First, the agreement provided for the creation of a new Dutch company called N.V. Maatschappij Garanta, or Garanta for short. Garanta would be incorporated in Amsterdam, and its shares would be owned by Polish citizens nominated by Dr Glowacki. Garanta would take over the entire match industry in Poland, from production to sale. Garanta also would assume “certain exchange losses which have been sustained by International Match Corporation in connection with financial transactions in Poland. This item is to be carried as an asset on the books of Garanta.”33 Apparently, Ivar had continued gambling on foreign exchange rates during 1925. This time, though, he had used International Match’s money, and this time he had lost. The secret agreement shifted those losses from International Match to Garanta. Durant and Berning were unaware of these losses, or their transfer.

I got the sense he might be willing to do a deal with some government assistance.

AIG had promised those bonuses well before it began receiving government assistance.

I was fortunate to inherit an outstanding assistant secretary

Poland’s political volatility made it a more attractive candidate for a monopoly.8 From the moment Torsten arrived, Polish officials faced so many crises that the right person would be able to slip them a match monopoly without much scrutiny. The government was in chaos. The final borders of the Second Polish Republic had been established two years earlier, and the new constitution just a year before that. The reborn interbellum Poland was fractured into competing sects. President Gabriel Narutowicz had been assassinated in late 1922, and the country had sworn in four different prime ministers that year (and another two the following year). At first, it wasn’t even clear to Torsten which officials he should approach, or who was in charge. Then, through the bedlam, Torsten met Dr Marjam Glowacki, a senior finance ministry official. The two men immediately bonded and became friends. Torsten appeared to be a distinguished businessman with extensive experience in international finance. Their talks moved quickly. Dr Glowacki saw that a significant loan from International Match could resolve many of the country’s humanitarian and fiscal needs. Even a few million dollars would greatly assist Polish reparations from the world war.

trying to get the Federal Reserve or Treasury to bear the risk of any losses resulting from any government assistance.

he was frustrated to have wasted so much time on Wachovia only to find that Fed assistance wasn’t available.

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Santhi Gems is a well-known gold buyer in Chennai that sets itself apart with exceptional services and a consistent commitment to customer loyalty. Santhi Gems has achieved a stellar reputation in the industry thanks to its straightforwardness, trustworthiness, and dependability, as well as its extensive history. This article delves into the key features that set Santhi Gems apart from other Chennai gold buyers, including its customer-focused approach, ethical practices, and extensive range of services. Research how Santhi Pearls' dedication to significance and genuineness go with it a leaned toward choice for those wanting to sell or credit against their gold assets in Chennai. 1. Introduction to Santhi Adornments' History and Foundation Santhi Gems, headquartered in Chennai, has been a trusted name in the gold purchasing industry for more than two decades. Santhi Gems has established a reputation for unwavering quality and authenticity thanks to a solid foundation built on trustworthiness and customer loyalty. Santhi Gems' mission and values are to provide customers with a straightforward and fair gold purchasing experience. Each partnership is guided by their genuine sincerity regarding the benefits, trust, and customer-centricity, ensuring that customers are treated with respect and consideration throughout the selling cycle. 2. Direct Assessing and Appraisal Communication Clear Valuation Procedures Selling Gold Jewelry Santhi Adornments provides a consistent and straightforward cycle for selling gold items, whether you want to branch out from your existing collection or update it. Their capable staff ensures that clients get fair motivator for their important effects. Gold Advance Offices Santhi Adornments offers gold advance offices in addition to buying gold gems, allowing customers to use their gold resources for financial assistance. They make it advantageous and secure to access reserves thanks to their flexible terms and competitive rates. 6. By placing an emphasis on client instruction, Santhi Adornments moves beyond value-based connections. They encourage customers to make educated decisions regarding their gold resources by providing experiences into the patterns of the gold market as well as advice on how to care for and maintain gold. Direction on Patterns in the Gold Market When managing valuable metals, it is essential to remain informed about the gold market. Santhi Gems ensures that customers are up to date on market trends, allowing them to make crucial decisions regarding gold investments or transactions. Tips for Taking Care of Gold Gems Proper care and attention can have a significant impact on their value and lifespan. Santhi Diamonds outfits clients with central hints on endlessly protecting their gold things, ensuring that they hold their greatness and shimmer for a seriously significant time-frame into what's in store. 7. Obligation to Follow Moral Principles The activities of Santhi Adornments are centered on following moral principles and being capable of doing so. They keep the advantages of uprightness and social responsibility in the gold business by focusing on fair exchange gold acquiring and implementing earth-manageable practices.

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Gold Buyer in Chennai: Santhi Jewellery Chennai is a city where gold holds a special place because of its extensive cultural heritage. Gold has been used as a symbol of wealth and prestige in South Indian culture for centuries. Santhi Jewellery is the most popular place to sell gold in Chennai because of its dedication to trust, openness, and excellent service among the many gold buyers there. Why Exchange Gold? The decision to sell gold can be made for a variety of reasons, including the need to upgrade outdated designs, unlock financial liquidity in the event of an emergency, or simply to make a strategic financial decision. In any case, if you want to get the most money for your precious metal, you need to find a reputable gold buyer. Santhi Gems - A Confided in Gold Buyer in Chennai Santhi Gems has procured a standing as quite possibly of the most confided in gold purchaser in Chennai. Santhi Jewellery, which is located in the center of the city, takes pride in providing transparent and sincere evaluations for your gold assets, ensuring that you receive the best price based on market rates at the present time. Why Santhi Jewelers? Fair Market Value: Santhi Jewellery is known for providing honest and accurate gold appraisals. They use cutting-edge technology to evaluate the purity and weight of your gold, ensuring that you are compensated fairly based on current market prices. The process is open and transparent. Experience and knowledge: Santhi Jewellery has a deep understanding of gold's value and market trends thanks to years of experience in the gold industry. Whether your gold is in the form of old jewelry, coins, or bullion, their team of experts will make sure you get the best price for it. A focus on the customer: Customer satisfaction is a top priority at Santhi Jewellery. They make selling easy and comfortable for you, and they make sure that all of your questions are answered. Whether you are selling a little piece of gems or a lot of gold, each exchange is dealt with absolute attention to detail and impressive skill. Payment in a flash: The guarantee of immediate payments is one of the biggest advantages of selling gold at Santhi Jewellery. Payment is processed immediately after your gold has been evaluated and you agree to the price. Because of this, it is a convenient choice for people who require quick access to funds. No extra costs: At Santhi Jewellery, openness is important. Santhi Jewellery guarantees a transparent transaction, in contrast to some gold buyers who may deduct concealed fees or charges. The whole thing is easy, so there won't be any surprises. You'll know exactly how much you'll get. Convenient Location Santhi Jewellery is conveniently located in the center of Chennai, making it convenient for people looking to sell gold in the city. Their courteous staff is always available to assist you with any inquiries, and their modern and secure premises guarantee a safe environment for your transaction. Conclusion Santhi Jewellery is a name that stands out when looking for a dependable Gold Buyer in Chennai because of its professionalism, open process, and dedication to customer satisfaction. Santhi Jewellery guarantees that you will receive the highest possible value for your gold, without any hassle, whether you are selling old gold jewelry or looking for a quick financial solution. Visit them right now for a hassle-free and dependable gold buying experience.

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The Kochs were also directing millions of dollars into online education, and into teaching high school students, through a nonprofit that Charles devised called the Young Entrepreneurs Academy. The financially pressed Topeka school system, for instance, signed an agreement with the organization which taught students that, among other things, Franklin Roosevelt didn’t alleviate the Depression, minimum wage laws and public assistance hurt the poor, lower pay for women was not discriminatory, and the government, rather than business, caused the 2008 recession.

Over time I found an explanation that eased my mind. I thought I should no longer be surprised by the fact that it was my nest friends who came from well-established families, that were not hesitant to stay at the Kibbutz. They were the ones that actually did not have economic concerns. Their risk factor was  low. They could stay in the Kibbutz and leave it any time they wanted. They would have supportive parents to help them rebuild their future, whether it was in school or whether it was in finding a proper job to make  a living. I did not have these advantages. If I left, I would have to start over from scratch. I knew early on that my chances of making a brave decision and staying at Kibbutz were slim. There was a very high risk associated with that decision. If I could not make it in the Kibbutz  then everything would go down the drain. Then I would have to get out in the job market, with no financial assistance, with no place to live, and without any education. I knew my situation was different from the other nest members, and I think as that realization dawned on me, it was then that I first decided to go into the military. I remembered I had a similar dilemma when I decided not to stay in the United States any longer and return to Israel. The decision making process was long and tedious, but ultimately I chose to return to Israel. I never thought about what would happen if I would have chosen to stay in the US instead, or how my life would have turned out.

THE VARIOUS GAINS OF FLIGHT DELAY DAMAGES Travelling byair is one of the handiest means to get from one point to another. It's quick, safe, and hassle-free. Obviously, hassle-free is a subjective term as some folks find all the safety precautions cumbersome. Since there are much fewer plane accidents when compared with automobile accidents however, it's a good deal better mathematically talking. Naturally, travel issues are not merely limited to injuries and crashes; occasionally, the ones that are most problematic are the small things that eventually become larger. Having the flight postponed for 5 - 10 minutes does not seem much to most folks. However, for people who will be catching a connecting flight after, this really is an extremely large difficulty. They need to run across the next airport simply to make it in time or they will need to get it rescheduled and watch for the next available flight. Either way, it's a very big hassle and it all came from a 5 minute delay. What You Can Get That is why you should be aware of the many benefits that you can get. Flight delay compensation isn't a simple thing that airlines give just to keep customers satisfied; the law requires to give damages for faulty service as mandated them. Different areas have different laws regarding this but it usually means that if your flight got delayed, the airline must help you during that time. If, for example, you may end up late to your connecting flight, then you can certainly ask aid from the airline to assist you look for an accessible connecting flight, have it reserved, and even request financial compensation as you need to wait for the brand new boarding time if it's a few hours more. Typically, you can demand help for the amount of money you are going to be spending simply because your flight was delayed. This can happen whether the flight was delayed for a very long time due to technical issues. That those can get somewhere to sleep in, some airports will open up the VIP lounge. Also, they are going to be given free food and drinks especially if they must stay for more than one night. Inclusions and Exceptions Flight delay settlement is all about getting compensated for hassle and all the trouble that an undue delay has brought on. Delays caused by neglect or some other reason which was a result of the airline can be deemed as such. This implies that if they couldn't have prevented the issue no matter what, you won't be able to seek damages. For example, if the weather suddenly took a turn for the worse and the whole airport was locked down and no airplanes are permitted to fly, then this is a problem that they couldn't avert. It would not be safe to fly with such conditions and no one can do anything about it. Naturally, you can still seek assistance but remember that they have no obligation to do so and you've got no right to demand money as reimbursement for the delay. In the end, the biggest difference between force of nature accidents and those due to negligence is that you can ask for aid but they're just required to do so during the latter. They have to give money for the hassle to you as well if it was their fault.

Preparation of Financial Statements - A Simple Summary •AR-C 70 is applicable when the accountant is engaged to prepare financial statements and is not applicable when the accountant is engaged to perform a compilation or if the accountant is merely assisting with bookkeeping •The objective of the accountant is to prepare financial statements in accordance with the chosen reporting framework •The financial statements can be prepared in accordance with GAAP or a special purpose reporting framework •The financial statements can be distributed to third parties (and not just management) •The accountant must either: ·State on each financial statement page that “no assurance is provided,” or ·Provide a disclaimer •Documentation requirements include: ·The engagement letter, and ·The financial statements •An engagement letter must be signed by: ·The accountant or the accountant’s firm, and ·Management or those charged with governance •No report (e.g., compilation report) is attached to the financial statements •Consideration of independence is not required •Substantially all disclosures can be omitted •The omission of substantially all disclosures should be: ·Disclosed on the face of the financial statements, or ·In a note •Selected disclosures can be provided •Departures from the applicable financial reporting framework should be: ·Disclosed on the face of the financial statements, or ·In a note •A preparation engagement may be applied to historical financial statements and to: ·Historical information (e.g., specified items of a financial statement) and ·Prospective information, including: ·Budgets ·Forecasts, or ·Projections •A preparation engagement can be performed in relation to prescribed forms (e.g., bank personal financial statements) •Mark draft financial statements with appropriate wording (e.g., Draft Financial Statements)

There is no simple way to determine when and where to get help. Many factors come into play, including the child’s age, family’s financial status, insurance, knowledge of resources, religious affiliation, availability of services in community, and so on. Parents may seek outside assistance for their adopted child when other factors such as a divorce, job loss, or other stresses compound the family needs. Parents are generally in the best position to determine when to get help, but advice from relatives, family physicians, teachers, and others in a position to know the family should be carefully considered. Services for children with special needs are provided by a variety of professionals. A physician—pediatrician or the family practitioner—is usually the place to begin. Families may be referred to a neurologist for a thorough assessment and diagnosis of neurological functioning (related to cognitive or learning disabilities, seizure disorders or other central nervous system problems). For specific communication difficulties, families may consult with a speech and language therapist, while a physical therapist would develop a treatment plan to enhance motor development. A rehabilitation technologist or an occupational therapist prescribes adaptive aids or activities of daily living. Early childhood educators specializing in working with children with special needs may be called a variety of titles, including Head Start teachers, early childhood special education teacher, or early childhood specialist.

lot. In addition to the behaviour that caused the crisis, major US and European banks have been caught assisting corporate fraud by Enron and others, laundering money for drug cartels and the Iranian military, aiding tax evasion, hiding the assets of corrupt dictators, colluding in order to fix prices, and committing many forms of financial fraud. The evidence is now overwhelming that over the last thirty years, the US financial sector has become a rogue industry.

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harm in allowing them to retain their positions.” “Well, they certainly do fit the roles for caretakers of a haunted castle, but you have yet to truly explain why you bought the place.” Plucking a long piece of grass out of the ground, Bram rolled it between his fingers. “Who doesn’t want to live in a haunted castle?” Lucetta arched a perfect brow his way. “Oh, very well,” he said. “I’ll tell you, but only because I’m not certain I’m quite ready to add nagging to the long list of supposed charms I’ve had to accept about you recently.” “I don’t nag,” Lucetta muttered. “That may well be debatable, but . . . back to my story. You see, the previous owner, Mr. Woodward, had recently suffered some extensive losses in the market, and because of that, he did not have the luxury of taking a financial loss on Ravenwood once rumors spread that it was haunted. However, since his wife refused to step foot inside the castle once she came to the belief it was well and truly haunted, he found himself in a bit of a bind, so . . . I stepped in and bought it from him.” “Good heavens, Mr. Skukman was right. You do enjoy rescuing people,” he heard Lucetta say under her breath before she lifted her head and sent him a smile that showed a great deal of teeth. “It was very nice of you to buy Ravenwood from that man.” Bram shoved aside the peculiar thought that she didn’t actually seem to like the idea that he enjoyed rescuing people, and summoned up a smile of his own. “I had the means to buy Ravenwood, and I love the castle, so helping out Mr. Woodward wasn’t an act of any great consequence.” “I’m certain it was to him.” He turned his attention to the sheep, all of which were back to grazing as Igor slunk around them. Looking back at Lucetta, Bram caught her eye. “Just as I’ve come to discover you don’t care to have people remark on your skills on stage, I don’t particularly care to talk about the assistance I extend to people.” He smiled. “Reverend Gilmore, a dear friend I met about a year ago, once told me that he believes God puts people on certain paths. And when you cross paths with a person who is in need, and you have the solution to that need, well, God expects you to put that solution to use. I don’t know about you, but I’m not one to argue with God.” Lucetta’s

A person living in poverty can find themselves aging faster, a victim of many illnesses and many will discover they are not using their minds to the best potential because of depression or simply acceptance of their situation.Yet, Poverty can also be a substance to strengthen one's resolve to improve their situation. It can make you a voracious reader to educate yourself beyond where you are and beyond what your environment say's you can become. Poverty can make a person creative and industrious in finding ways to solve problems that others would simply ignore or those with financial means would purchase from stores or hire the assistance of the skilled. Poverty is not a blessing but it can make a person wiser and more appreciative. It can garner gratitude and make you humble. It can definitely make you more determined to have the best life you possibly can and can empower you ethically and morally.

Help does not only come through financial assistance. There are a lot of ways with which one person can help another person.

On March 12, 1947, President Truman appeared before a joint session of Congress. In his eighteen-minute speech, he stated: I believe it must be the policy of the United States to support free peoples who are resisting attempted subjugation by armed minorities or by outside pressures. I believe that we must assist free peoples to work out their own destinies in their own way. I believe that our help should be primarily through economic and financial aid which is essential to economic stability and orderly political processes.

Because Westerners are so bombarded by people seeking money or other kinds of financial or material assistance, they begin to believe that all needy Africans are out and about aggressively asking for help. This is far from being true. In many African cultures, the most needy people are the most hesitant to ask for help. In contrast, more aggressive, blatant requests are typically indications that the petitioner is manipulative, professional, or at least more practiced. Whether needy people are restrained or bold about asking for help seems to depend a great deal on the person’s culture, religion, individual scruples and values, and, of course, on his self-definition of “needy.

The Four Global Options Now that you grasp the BIG picture, which includes your life values, your career values, your T-Bar, and current market conditions, it’s time to consider the four global options. I call these global options because, in reality, these are the only four job or career options you have. Option #1: Same job–same industry. Choosing Option #1 means you enjoy both and, most likely, need only conduct a job transition campaign to seek out a new company or organization. For example, a fifth grade teacher who is teaching in a public school may seek the same job (teacher) in the same industry (public school system); this teacher only needs to look at a new school in the same school district or to apply for a teacher’s position in a new school district. Option #2: New job–same industry. Option #2 means you enjoy the industry but need to identify a new job within that industry. Using the fifth grade teacher as an example again, she might seek a new job as an assistant principal or librarian. Or maybe she wants to earn more money than she would make as a teacher, so she becomes a sales professional and sells textbooks to educational institutions. The job transition campaign will take place within education, but she will identify and pursue a new, more inspiring, and more rewarding job within that industry. Option #3: Same job–new industry. If you select Option #3, it means you enjoy your job or vocation, but you need to identify a new industry or environment to perform that job in. The fifth grade teacher might get a job teaching for a private school (new industry or venue) or a private learning center, or she might even start her own tutoring business. In this case, the job transition campaign will focus on teaching but in a new, more appealing industry or venue. Option #4: New job–new industry. This option means you are ready for a wholesale change. Oftentimes this option is the option of choice if there’s a career or job you’ve always dreamt about. Or possibly you have a nice severance package or the financial means to return to school and prepare for an entirely new career. Possibly the fifth grade teacher always had a passion for antiques. In this case, she might pursue a job as a manager or even an owner of an antique store. Perhaps she’ll make the decision to stay home and be a full-time mom. The job transition campaign will focus on an entirely new job or activity in an entirely new industry or venue.

Robert Clive, one of the architects of British India, got married in St Mary’s Church. But that was much later. The very first marriage recorded in the register, on 4 November 1680, is that of Elihu Yale with Catherine Hynmer. Yale was the governor of the Fort from 1687 to 1692. It was during his tenure that the corporation for Madras and the post of the mayor were created, and the supreme court, which evolved over time into the present-day Madras high court, was set up. But despite an eventful stint, Yale was sacked because he used his position for private profit—he was engaged in an illegal diamond trade in Madras through an agent called Catherine Nicks. Yet he stayed on in Madras for seven more years, having packed off his wife to England. He lived in the same house with Mrs Nicks, fathering four children with her, and a Portuguese mistress called Hieronima de Paivia, who also bore him a son. He finally returned to London in 1699, an immensely wealthy man. As he busied himself spending the money he had made in India, a cash-starved school in the American colony of Connecticut requested him for a donation. The Yale family had lived in Connecticut for a long time before returning to England in 1652 when Elihu Yale was three years old. So when the college sought financial assistance, he shipped across nine bales of exquisite Indian textiles, 417 books and a portrait of King George I. The school kept the books and raised £562 from his other donations and, in gratitude, decided to rename itself after him. Thus was born Yale University, with the help of ill-gotten wealth amassed in Madras.

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Most Americans still believe we threw away billions or even trillions of their hard-earned dollars to bail out greedy banks. In fact, the financial system repaid all our assistance, and U.S. taxpayers have turned a profit from our crisis response, including our investments in all five of those financial bombs.

One of the worst outcomes of unemployment is finance; it is really tough for a jobless person to manage their basic need in such situation as they are not having any fixed source of the income. Loan for unemployed is a financial plan that is especially intended to assist unwaged borrowers. With the support of this financial service they can easily access the funds despite of not having a job.

Practical investors are investors that waits to understand the course in full before financial commitment and involvement. Technical investors are investors that believes in individual uniqueness and invention so they go directly into making profit divisions and throw out the cash to get things going. This kind of investors are the real risk investors and angel investors sent to assist people make impacts and profits from their personal uniqueness and creativity.

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

For the past 15 years, the Earthwatch volunteer program had provided the sole financial support for the decadelong photo-identification survey of the beaked whales here in the Bahamas and of the killer whales in the Pacific Northwest. The Earthlings, as Ken and Diane called them, traveled from across the United States and around the world to assist their survey and to catch a fleeting glance of the deepest-diving creatures in the ocean: the beaked whales that lived inside the underwater canyon offshore from Sandy Point. For the most part, they were altruistic tourists, from teenagers to golden-agers, looking for a useful vacation from the winter doldrums up north. At Sandy Point, they could learn a little about whales, lend a hand in a righteous eco-science project, and enjoy the Bahamian sunshine.

She was determined to guard against moral hazard and protect the FDIC insurance fund. She saw this as a teachable moment, a chance to show the world that the irresponsibility of WaMu and its bondholders would be punished. She made the same argument the Germans and other moral hazard critics had made against IMF assistance during the emerging-market crises: It will only encourage bad behavior in the future.

So this was how our assistant directors were finding their guidance? Dug up from five-year-old e-mails? Later I learned that the staff members had to print out their e-mails in order to store them in safety. Evidently, the New York office server was scrubbed periodically to free up storage space. Dawn couldn’t save e-mails on her computer for long. I didn’t know whether to laugh or cry. A five-year-old crumpled paper copy of an e-mail in one employee’s files held crucial documentation for a federal agency? If SEC inspectors ever arrived at a financial firm for an examination and discovered that the firm had no manual on how to comply with federal securities laws, that firm would immediately be cited for deficiencies and most likely subject to enforcement action.