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Choose Life. Choose a job. Choose a career. Choose a family. Choose a fucking big television, choose washing machines, cars, compact disc players and electrical tin openers. Choose good health, low cholesterol, and dental insurance. Choose fixed interest mortgage repayments. Choose a starter home. Choose your friends. Choose leisurewear and matching luggage. Choose a three-piece suit on hire purchase in a range of fucking fabrics. Choose DIY and wondering who the fuck you are on Sunday morning. Choose sitting on that couch watching mind-numbing, spirit-crushing game shows, stuffing fucking junk food into your mouth. Choose rotting away at the end of it all, pissing your last in a miserable home, nothing more than an embarrassment to the selfish, fucked up brats you spawned to replace yourselves. Choose your future. Choose life… But why would I want to do a thing like that? I chose not to choose life. I chose somethin’ else. And the reasons? There are no reasons. Who needs reasons when you’ve got heroin?

Choose life. Choose a job. Choose a career. Choose a family. Choose a fucking big television, Choose washing machines, cars, compact disc players, and electrical tin openers. Choose good health, low cholesterol and dental insurance. Choose fixed- interest mortgage repayments. Choose a starter home. Choose your friends. Choose leisure wear and matching luggage. Choose a three piece suite on hire purchase in a range of fucking fabrics. Choose DIY and wondering who you are on a Sunday morning. Choose sitting on that couch watching mind-numbing sprit- crushing game shows, stuffing fucking junk food into your mouth. Choose rotting away at the end of it all, pishing you last in a miserable home, nothing more than an embarrassment to the selfish, fucked-up brats you have spawned to replace yourself. Choose your future. Choose life... But why would I want to do a thing like that?

It is worth saying something about the social position of beggars, for when one has consorted with them, and found that they are ordinary human beings, one cannot help being struck by the curious attitude that society takes towards them. People seem to feel that there is some essential difference between beggars and ordinary 'working' men. They are a race apart--outcasts, like criminals and prostitutes. Working men 'work', beggars do not 'work'; they are parasites, worthless in their very nature. It is taken for granted that a beggar does not 'earn' his living, as a bricklayer or a literary critic 'earns' his. He is a mere social excrescence, tolerated because we live in a humane age, but essentially despicable. Yet if one looks closely one sees that there is no ESSENTIAL difference between a beggar's livelihood and that of numberless respectable people. Beggars do not work, it is said; but, then, what is WORK? A navvy works by swinging a pick. An accountant works by adding up figures. A beggar works by standing out of doors in all weathers and getting varicose veins, chronic bronchitis, etc. It is a trade like any other; quite useless, of course--but, then, many reputable trades are quite useless. And as a social type a beggar compares well with scores of others. He is honest compared with the sellers of most patent medicines, high-minded compared with a Sunday newspaper proprietor, amiable compared with a hire-purchase tout--in short, a parasite, but a fairly harmless parasite. He seldom extracts more than a bare living from the community, and, what should justify him according to our ethical ideas, he pays for it over and over in suffering. I do not think there is anything about a beggar that sets him in a different class from other people, or gives most modern men the right to despise him. Then the question arises, Why are beggars despised?--for they are despised, universally. I believe it is for the simple reason that they fail to earn a decent living. In practice nobody cares whether work is useful or useless, productive or parasitic; the sole thing demanded is that it shall be profitable. In all the modem talk about energy, efficiency, social service and the rest of it, what meaning is there except 'Get money, get it legally, and get a lot of it'? Money has become the grand test of virtue. By this test beggars fail, and for this they are despised. If one could earn even ten pounds a week at begging, it would become a respectable profession immediately. A beggar, looked at realistically, is simply a businessman, getting his living, like other businessmen, in the way that comes to hand. He has not, more than most modem people, sold his honour; he has merely made the mistake of choosing a trade at which it is impossible to grow rich.

The slave trade was not controlled by any state or government. It was a purely economic enterprise, organised and financed by the free market according to the laws of supply and demand. Private slave-trading companies sold shares on the Amsterdam, London and Paris stock exchanges. Middle-class Europeans looking for a good investment bought these shares. Relying on this money, the companies bought ships, hired sailors and soldiers, purchased slaves in Africa, and transported them to America. There they sold the slaves to the plantation owners, using the proceeds to purchase plantation products such as sugar, cocoa, coffee, tobacco, cotton and rum.

Today I bought a small Frosty. This may not seem significant, but the fact is: I'm lactose intolerant. Purchasing a small Frosty, then, is no different than hiring someone to beat me. No different in essence. The only difference, which may or may not be essential, is that, during my torture, I am gazing upon your beautiful employees.

The money spent by one campus ministry to cover the costs of their Central American mission trip to repaint an orphanage would have been sufficient to hire two local painters and two new full-time teachers and purchase new uniforms for every student in the school.

A 389-page audit released in 2020 found that money overseen by the Mississippi Department of Human Services (DHS) and intended for the state’s poorest families was used to hire an evangelical worship singer who performed at rallies and church concerts; to purchase a Nissan Armada, Chevrolet Silverado, and Ford F-250 for the head of a local nonprofit and two of her family members; and even to pay the former NFL quarterback Brett Favre $1.1 million for speeches he never gave.

He was talking about hire purchase. precredit cards. A different way of getting the poor into debt, but I think he was right. It was nice when ordinary people could take a holiday in Spain, of course, but easy credit is what started the cultural rot. Tourism depends on lots of people everywhere with loads of disposable wealth, which means all kinds of changes through a place a cultivates it. The real, messy, informative past disappears to be overlaid with bad fiction, with simplified folklore, easy answers. Memory needs to remain complex, debatable. Without those qualities it is mere nostalgic sentimentality. Commodified identity. Souls bough and sold.

When Jeff Bezos paid 250 million dollars for The Washington Post, in effect what he purchased was the right to stop the second-most powerful newspaper in the United States from investigating his company, Amazon, and even better—that he could use that company to hire people who share a similar ideology to his own, which benefits his bottom line.

Picture salvation as a house that you live in. It provides you with protection. It is stocked with food and drink that will last forever. It never decays or crumbles. Its windows open onto vistas of glory. God built it at great cost to Himself and to His Son, and He gave it to you. The purchase agreement is called a 'new covenant.' The terms read: 'This house shall become and remain yours if you will receive it as a gift and take delight in the Father and the Son as they inhabit the house with you. You shall not profane the house of God by sheltering other gods nor turn our heart away after other treasures.' Would it not be foolish to say yes to this agreement, and then hire a lawyer to draw up an amortization schedule with monthly payments in the hopes of somehow balancing accounts. You would be treating the house no longer as a gift, but a purchase. God would no longer be the free benefactor. And you would be enslaved to a new set of demands that he never dreamed of putting on you. If grace is to be free - which is the very meaning of grace - we cannot view it as something to be repaid.

REINHOLD JOBS. Wisconsin-born Coast Guard seaman who, with his wife, Clara, adopted Steve in 1955. REED JOBS. Oldest child of Steve Jobs and Laurene Powell. RON JOHNSON. Hired by Jobs in 2000 to develop Apple’s stores. JEFFREY KATZENBERG. Head of Disney Studios, clashed with Eisner and resigned in 1994 to cofound DreamWorks SKG. ALAN KAY. Creative and colorful computer pioneer who envisioned early personal computers, helped arrange Jobs’s Xerox PARC visit and his purchase of Pixar. DANIEL KOTTKE. Jobs’s closest friend at Reed, fellow pilgrim to India, early Apple employee. JOHN LASSETER. Cofounder and creative force at Pixar. DAN’L LEWIN. Marketing exec with Jobs at Apple and then NeXT. MIKE MARKKULA. First big Apple investor and chairman, a father figure to Jobs. REGIS MCKENNA. Publicity whiz who guided Jobs early on and remained a trusted advisor. MIKE MURRAY. Early Macintosh marketing director. PAUL OTELLINI. CEO of Intel who helped switch the Macintosh to Intel chips but did not get the iPhone business. LAURENE POWELL. Savvy and good-humored Penn graduate, went to Goldman Sachs and then Stanford Business School, married Steve Jobs in 1991. GEORGE RILEY. Jobs’s Memphis-born friend and lawyer. ARTHUR ROCK. Legendary tech investor, early Apple board member, Jobs’s father figure. JONATHAN “RUBY” RUBINSTEIN. Worked with Jobs at NeXT, became chief hardware engineer at Apple in 1997. MIKE SCOTT. Brought in by Markkula to be Apple’s president in 1977 to try to manage Jobs.

And then there’s Mississippi. A 389-page audit released in 2020 found that money overseen by the Mississippi Department of Human Services (DHS) and intended for the state’s poorest families was used to hire an evangelical worship singer who performed at rallies and church concerts; to purchase a Nissan Armada, Chevrolet Silverado, and Ford F-250 for the head of a local nonprofit and two of her family members; and even to pay the former NFL quarterback Brett Favre $1.1 million for speeches he never gave. (Favre later returned the money.) There’s more.

I’VE INVOKED THIS backstory of purchased and timed labor in order to defamiliarize, just for a moment, the concept of the wage. When the relationship of time to literal money is expressed as a natural fact, it obscures the political relationship between the seller of time and its buyer. This may seem obvious, but if time is money, it is so in a way that’s different for a worker than for an employer. For the worker, time is a certain amount of money—the wage. But the buyer, or employer, hires a worker to create surplus value; this excess is what defines productivity under capitalism.

Slavery started threatening the profits in the North’s industrial sectors and had to be stopped. Northern industry’s promise of expansion prevailed over slavery’s proven longevity, and large capitalists wanted to abolish slavery so that they could exploit the labor of free Blacks alongside poor and working-class whites. It was more profitable for companies if they hired workers and paid them a wage because workers sell their labor for income, and then use that income to purchase goods and services. Slaves had no income and could not purchase anything. Black people were a reservoir of laborers and potential consumers.

How does this work in email marketing? One simple example is to start asking subscribers to begin interacting with you in a small way right from when you start communicating with them. Ask them to reply to a message, like or share a blog post, complete a survey. Taking these small steps to interact early on makes it much more likely they’ll be willing to take bigger steps later – like joining you on a webinar, arranging a call with you or buying a product. You can also offer a low cost product early on in your interactions with a subscriber. It’s less of a commitment than a high end product or hiring your services. But by purchasing from you they begin to see themselves as a buyer and they’re more likely to buy again in future. Especially if their buying and post-purchase experience is very positive.

...[One] of the paradoxes of experience is that, in spite of...historical evidence, it is precisely the minority groups that have frequently furnished the most vocal and numerous advocates of fundamental alterations in a capitalist society. They have tended to attribute to capitalism the residual restrictions they experience rather than to recognize that the free market has been the major factor enabling these restrictions to be as small as they are...the purchaser of bread does not know whether it was made from wheat grown by a white man or a [black man], by a Christian or a Jew. In consequence, the producer of wheat is in a position to use resources as effectively as he can, regardless of what the attitudes of the community may be toward his color, the religion, or other characteristics of the people he hires.

The slave trade was not controlled by any state or government. It was a purely economic enterprise, organised and financed by the free market according to the laws of supply and demand. Private slave-trading companies sold shares on the Amsterdam, London and Paris stock exchanges. Middle-class Europeans looking for a good investment bought these shares. Relying on this money, the companies bought ships, hired sailors and soldiers, purchased slaves in Africa, and transported them to America. There they sold the slaves to the plantation owners, using the proceeds to purchase plantation products such as sugar, cocoa, coffee, tobacco, cotton and rum. They returned to Europe, sold the sugar and cotton for a good price, and then sailed to Africa to begin another round. The shareholders were very pleased with this arrangement. Throughout the eighteenth century the yield on slave-trade investments was about 6 per cent a year – they were extremely profitable, as any

The slave trade was not controlled by any state or government. It was a purely economic enterprise, organised and financed by the free market according to the laws of supply and demand. Private slave-trading companies sold shares on the Amsterdam, London and Paris stock exchanges. Middle-class Europeans looking for a good investment bought these shares. Relying on this money, the companies bought ships, hired sailors and soldiers, purchased slaves in Africa, and transported them to America. There they sold the slaves to the plantation owners, using the proceeds to purchase plantation products such as sugar, cocoa, coffee, tobacco, cotton and rum. They returned to Europe, sold the sugar and cotton for a good price, and then sailed to Africa to begin another round. The shareholders were very pleased with this arrangement. Throughout the eighteenth century the yield on slave-trade investments was about 6 per cent a year – they were extremely profitable, as any modern consultant would be quick to admit.

Yet if one looks closely one sees that there is no essential difference between a beggar’s livelihood and that of numberless respectable people. Beggars do not work, it is said; but, then, what is work? A navvy works by swinging a pick. An accountant works by adding up figures. A beggar works by standing out of doors in all weathers and getting varicose veins, chronic bronchitis, etc. It is a trade like any other; quite useless, of course—but, then, many reputable trades are quite useless. And as a social type a beggar compares well with scores of others. He is honest compared with the sellers of most patent medicines, high-minded compared with a Sunday newspaper proprietor, amiable compared with a hire-purchase tout—in short, a parasite, but a fairly harmless parasite. He seldom extracts more than a bare living from the community, and, what should justify him according to our ethical ideas, he pays for it over and over in suffering. I do not think there is anything about a beggar that sets him in a different class from other people, or gives most modern men the right to despise him.

All leaders were equal at the conference table, but those from heavyweight countries showed that they were more equal by arriving in big private jets, the British in their VC 10s and Comets, and the Canadians in Boeings. The Australians joined this select group in 1979, after Malcolm Fraser's government purchased a Boeing 707 for the Royal Australian Air Force. Those African presidents whose countries were then better off, like Kenya and Nigeria, also had special aircraft. I wondered why they did not set out to impress the world that they were poor and in dire need of assistance. Our permanent representative at the UN in New York explained that the poorer the country, the bigger the Cadillacs they hired for their leaders. So I made a virtue of arriving by ordinary commercial aircraft, and thus helped preserve Singapore's third World status for many years. However, by the mid-1990s, the World Bank refused to heed our pleas not to reclassify us as a "High Income Developing Country", giving no Brownie points for my frugal travel habits. We lost all the concessions that were given to developing countries.

Theo, she say without lookin up, her voice low. Do you know who Dred Scott is? Shake my head. Dred Scott was a slave. Is a slave. Dred Scott’s master was a U.S. Army surgeon who took him along to various military assignments—fort in Illinois: free state; fort in Wisconsin: free territory. Mr. Scott was in free Wisconsin four years, wedding a wife and having a daughter, hiring himself out during long periods when the master was away. The master returned and took Mr. Scott and his family to slave states, then the master died. Mr. Scott and his wife had scrimped and saved to purchase their family’s freedom, and requested this of the physician’s widow, who refused. Mr. Scott took them to court, basing his claim on the family’s previous residences on free soil, and won. He won! But the fiend mistress appealed to the Missouri Supreme Court which, two years after Mr. Scott and family had gained their freedom, overturned the ruling, placing them back in slavery. Another trial, this time regarding the physical abuse Mr. Scott had endured. Another unjust outcome. So, the U.S. Supreme Court. The decision came yesterday.

The slave trade was not controlled by any state or government. It was a purely economic enterprise, organised and financed by the free market according to the laws of supply and demand. Private slave-trading companies sold shares on the Amsterdam, London and Paris stock exchanges. Middle-class Europeans looking for a good investment bought these shares. Relying on this money, the companies bought ships, hired sailors and soldiers, purchased slaves in Africa, and transported them to America. There they sold the slaves to the plantation owners, using the proceeds to purchase plantation products such as sugar, cocoa, coffee, tobacco, cotton and rum. They returned to Europe, sold the sugar and cotton for a good price, and then sailed to Africa to begin another round. The shareholders were very pleased with this arrangement. Throughout the eighteenth century the yield on slave-trade investments was about 6 per cent a year – they were extremely profitable, as any modern consultant would be quick to admit. This is the fly in the ointment of free-market capitalism. It cannot ensure that profits are gained in a fair way, or distributed in a fair manner. On the contrary, the craving to increase profits and production blinds people to anything that might stand in the way.

Social networks including Facebook, Twitter and Pinterest took a step closer to offering ecommerce on their own platforms this week, as the battle to win over retailers hots up. Facebook announced on Thursday it is trialling a “buy” button to allow people to purchase a product without ever leaving the social network’s app. The initial test, with a handful of small and medium-sized businesses in the US, could lead to more ecommerce companies buying adverts on the network. It could also allow Facebook to compile payment information and encourage people to make more transactions via the platform as it would save them typing in card numbers on smartphones. But the social network said no credit or debit card details will be shared with other advertisers. Twitter acquired CardSpring, a payments infrastructure company, this week for an undisclosed price as part of plans to feature more ecommerce around live events or, as it puts it, “in-the-moment commerce experiences”. CardSpring connects payment details with loyalty cards and coupons for transactions online and in stores. The home of the 140-character message hired Nathan Hubbard, former chief executive of Ticketmaster, last year to work on creating an ecommerce product. It has since worked with Amazon, to allow people to add things to their online basket by tweeting, and with Starbucks to encourage people to tweet to buy a coffee for a friend.

With regard to the price then of the men themselves, it is obvious that the public treasury is in a better position to provide funds than any private individuals. What can be easier than for the Council to invite by public proclamation all whom it may concern to bring their slaves, and to buy up those produced? Assuming the purchase to be effected, is it credible that people will hesitate to hire from the state rather than from the private owner, and actually on the same terms? People have at all events no hesitation at present in hiring consecrated grounds, sacred victims, houses, etc., or in purchasing the right of farming taxes from the state. To ensure the preservation of the purchased property, the treasury can take the same securities precisely from the lessee as it does from those who purchase the right of farming its taxes. Indeed, fraudulent dealing is easier on the part of the man who has purchased such a right than of the man who hires slaves. Since it is not easy to see how the exportation of public money is to be detected, when it differs in no way from private money. Whereas it will take a clever thief to make off with these slaves, marked as they will be with the public stamp, and in face of a heavy penalty attached at once to the sale and exportation of them. Up to this point then it would appear feasible enough for the state to acquire property in men and to keep a safe watch over them.

The present system is a capitalist system. This means that the world is divided up into two antagonistic camps, the camp of a small handful of capitalists and the camp of the majority - the proletarians. The proletarians work day and night, nevertheless they remain poor. The capitalists do not work, nevertheless they are rich. This takes place not because the proletarians are unintelligent and the capitalists are geniuses, but because the capitalists appropriate the fruit of the labour of the proletarians, because the capitalists exploit the proletarians. Why is the fruit of the labour of the proletarians appropriated by the capitalists and not by the proletarians? Why do the capitalists exploit the proletarians and not vice versa? Because the capitalist system is based on commodity production: here everything assumes the form of a commodity, everywhere the principle of buying and selling prevails. Here you can buy not only articles of consumption, not only food products, but also the labour power of men, their blood and their consciousness. The capitalists know all of this and purchase the labour power of the proletarians, they hire them. This means the capitalists become the owners of the labour power they buy. The proletarians, however, lose their right to the labour power which they have sold. That is to say, what is produced by that labour power no longer belongs to the proletarians, it belongs only to the capitalists and goes into their pockets. The labour power which you have sold may produce in the course of a day, goods to the value of 100 rubles, but that is not your business, those goods do not belong to you, it is the business only of the capitalists, and the goods belong to them - all that you must receive is your daily wage which, perhaps, may be sufficient to satisfy your essential needs if, of course, you live frugally.

Investment In Real Estate Is A Worthwhile Endeavor Several factors has to be studied by any individual who is planning an investment in real estate. For example, if business properties are desired, the client should are aware of they may be targeting certain conditions that aren't typically seen with residential properties. Nonetheless, for the appropriate particular person, and for those who plan fastidiously and receive good recommendation, this feature investment will be highly profitable. Individuals looking for commercial properties can certainly find that there are numerous kinds of institutions by which to come up with selection. For instance, an individual should purchase a restaurant or lodge, or invest in a retail store. The consumer may also select to buy an investment property comparable to your rent amount advanced and make an income from leaseing every unit. Office constructings can also be a smart selection, as tenants will likely be seen reasonably ardmore three wheelock quickly. It's fundamental, nevertheless, to buy such properties in nearly anything that receives beneficiant traffic. Most commercial institutions fail if they can't appeal to a steady transfer of customers. Buying residential property is something customers may additionally wish to think about that these planning to decide on their investment portfolios. For instance, an individual may decide to obtain a dwelling that have been renovated. Sometimes called "handyman specials, " such properties will be repaired which can offered during profit. Fortuitously, usually they are cheaper than properties that are in good repair. It is also a possibility to build an ad or residential property can be an investment. Builders who've satisfactory money to finance exceptionally challenge made having a tract of land and fill homes for it on the market to the general public. However, as soon as again, it is essential to pick a location carefully, as it may possibly nominal good to supply homes for sale in a part of the country in which nobody wants to live. Purchasing the primary property one finds is rarely a clever program of action. Instead, it is always the most effective interest match investor to comparability store attempting to discover at a couple of home or business earlier than making a final decision. It will make sure that the excellent ill use made. It can be more suitable obtain authorized advice every time one is planning to purchase various types property. This is even if that the buyer must have assurance that the property just isn't encumbered, and he or she can even want knowledgeable to make all the paperwork regarding the transaction is legal. Finally, individuals planning an investment in real estate will find that it plan of action is sensible, supplied they plan with care and hire a reliable broker to supervise their transactions.

Learn About The High Rise Apartment Benefits Deciding places to reside typically be a concern and it is truly advisable to search into high rise apartment benefits prior to making a decision. Although surviving in a normal condominium in the city most likely be lurking in small space, it ought sure the benefits of some people. Keep in mind that bigger houses can be found in contain higher overhead expenses. Short-time period stay should involve minimal bills to purchase furniture and decorations for your home. If you happen to lived in a bigger home in the outskirts of city, you will have to buy a lot of thing to refill your place. After you have to move, dropping all of your possessions often are tedious and tiresome. Staying in 1 rental will require you in order to get fundamental furnishings only. Another benefit of staying in a city constructing is the convenience of commuting to work. Sometimes, your office could be downtown where additionally, you will discover many tall residential condominiums. You can walk to operate or take a short bus ride within your office. Going to see the suburbs would require that enable you to personal method to commute specifically for your office every day. The city lifestyle additionally has given to you more luxury and comfort. Good eating locations and pubs must be close by. You'll search for a good shops and goods within the city. It will be convenient to are now living in a high-rise apartment intrinsic of town that provides you easy access to good shops to operate your errands. In the suburbs, you'll likely have to have a automobile as a way to easy chores. If you could have to go to operate with at hours away, you would spend a lot for gasoline. Your car may also wear down quickly the santorini condo price since you'll be driving it usually permanently distances. Making a home in a high-rise residence can remove these extra burdens such as gas costs and time travel. You can spend extra quality time with your partner or youngsters by dwelling near your place of work. Suburban households are inclined to hire babysitters to observe their youngsters though they work miles away. Vacationing as a condominium ear your office will let you being more involved with of affairs since you is certainly not spending couple of days commuting each day. It is right to are now living in urban cities if you're single or live as a general couple. You'll be able to take advantage of high rise apartment benefits if you find yourself in a functional location close to your workplace. Staying in a very very condominium can supply you with higher security.

All we believe is the roads, the bridges, the railways, the electricity they build only on televisions. I always ask my self these questions: 1. Where are the roads? ✏The Abuja - Lokoja road was awarded by Obasanjo's administration. He spent 8 years in the office. Then Yaradua and Goodluck spent another 4 years. Now if Goodluck is elected, he will be spending another 8 years. This will amount to 20 years and 180 km road is yet to be completed. ✏Enugu - Onitsha road was also awarded by the Obasanjo administration and till date, a journey that is supposed to take 45 minutes can take you 8 hours if it rains. ✏Enugu- PH road is on the same series. ✏What about Uyo - Calabar route? Just to mention a few. 2. Where is the power? They sold all the NEPA to their friends. We pay for the light that was not supplied. 3. Our education and health system go bad everyday. Lecturers and Health workers spent more time at home than in the schools and hospitals as a result of incessant strikes. 4. The government failed to provide us with security. People are being killed everyday and yet government comes out to tell us they are in control. 5. Why are we pretending that all is well? It is only in Nigeria where monies develop wings and fly. $20 billion oil money disappeared and they said it was $10 billion. Forensic investigators were hired and that was the end of the story. N20 billion pension fund stolen and nothing came out of it. $9.3 million seized in South Africa and government claimed it was meant for ammunition purchase. The immigration scandal has also been swept under the carpet because the senate could not proceed with their investigation. The man behind the contract is sitting among the high seats in the senate. Innocent people were defrauded and they at the same time lost their lives yet, we have a transparent governance. 6. Why are we praising government as if they are doing whatever with their personal money. How many people in their various communities have they provided scholarship with their personal money before they got elected? The reason they got elected is to manage our resources and not to loot us dry. One thing I know is that we will not have any meaningful development except if we make a CHANGE.

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Central Excise 2.3 Central Excise Duty is levied by the Central Government under the Central Excise Act, 1944. The levy is on all goods manufactured and produced in India, which are specified in the schedule to the Central Excise Tariff Act subject to certain exemptions. The effective rate may vary from product to product though most goods are subject to excise duty at 10% (without education cess). As manufacturer, credit is allowed on excise duty and countervailing duty paid on inputs and capital goods and the service tax paid on input service. The credit is allowed as a setoff against the excise duty payable on the output. Cross credit utilisation between credit of service tax and excise duty has been enabled w.e.f.10.9.2004. Service tax 2.4 Service tax is levied by the Central Government under Chapter V and Chapter VA of Finance Act, 1994. Service tax is levied on specified services, referred to as taxable services, when rendered by a service provider. Service tax is presently taxed at 10% (without education cess).Ordinarily, service tax is payable by the service provider, except in specified cases. As service provider, credit is allowed on excise duty and countervailing duty paid on inputs and capital goods and the service tax paid on input service. The credit is allowed as a set-off against the service tax payable on taxable services. VAT & CST 2.5 Value Added Tax (VAT) is levied by the State Governments on transfer of property in goods from one person to another, when such transfer is for cash, deferred payment or other valuable consideration. VAT is also payable on certain transactions that are deemed to be sale such as transfer of right to use goods, hire purchase and sale by instalments, works contract and sale of food and drink as a part of rendering of any service. 2.6 Local VAT is payable when goods are sold within the State and Central Sales Tax (CST) is payable when sale occasions the movement of goods 4

In the end it’s the tax-deferred 1031 exchange that gets massive use by Millionaire Real Estate Investors. This program in the IRS tax code allows you to sell and buy properties without having to declare capital gains or pay those taxes. It’s a very straightforward procedure, but it takes some planning. First, you need to hire a 1031 Qualified Intermediary before you close on the sale of one of your properties. That person will act as your guide and escrow agent as you move through the sale of one property and the purchase of the next. After the sale of your “relinquished property” you have 45 days to identify the “replacement property” and a total of 180 days to close on that second property. You want to be looking for the replacement property before or during the marketing of the property you are selling. If you find a good opportunity, you can enter into a contract with a right to assign clause if your first property does not sell or with a 1031 clause in the purchase agreement if it does. Many people have the mistaken notion that you are exchanging your property with someone else: You take theirs, and they take yours. In some cases that can be done, but it is neither the purpose nor the requirement of a 1031 exchange. A 1031 exchange is designed for you to “exchange” one property in your portfolio (sell it) and replace it with another one that you wish to buy. It allows you to keep purchasing larger, more expensive properties without having to pay capital gains taxes on the ones you sell. This is a wonderful way to keep your money working for you.

WordPress Site If done right, a self-hosted WordPress site can act as your online business card for your freelance SEO writing services.  You can refer potential clients to it for a listing of your services and rates, plus to see your writing samples and client testimonials.   Details on how to set up a self-hosted Wordpress site are beyond the scope of this book, but it’s easy to do.  In a nutshell, all you do is purchase a domain name, purchase web hosting, install Wordpress on your site, and customize it the way you want it. If you are interested in setting up your own website for your business, sign up for the Money Machine Inner Circle (it’s FREE!) and you’ll get instant access to a free report listing exactly which services I recommend for setting up your site.  Especially if you’re new to the world of setting up a website, this will save you a ton of time since you won’t have to waste time researching which services are the best or easiest to use for a non-techie. A basic website should have the following pages: Home Page This is where you describe your freelance SEO writing services, and even include a testimonial or two once you’ve worked with clients for a while. Samples Page Use this page to show off the sample articles that you’ve written. About Page This is where you explain who you are, your experience (if any), and why someone should hire you. Contact Page This is where you set up a simple contact form that visitors to your website can use to get in touch with you. Action Steps 1. On days 1 and 2, make sure you have a reliable computer, access to high-speed internet, and a PayPal account set up.  If you don’t have

May 5: At 5:00 a.m., Marilyn awakes with chills and sheets drenched in perspiration. Her fever is again 101 degrees, and her vision is blurred. Marilyn hires a bicycle at the cost of eighteen dollars a month, a rental from the Hans Ohrt Lightweight Bicycles store in Beverly Hills. But Marilyn never acts on her plans to ride this English-style bicycle to the studio. Marilyn purchases Rodin’s The Embrace, and Poucette’s oil painting The Bull, from Edgardo Acosta, Modern Paintings, 441 North Bedford Drive, Beverly Hills, California. Norman Rosten, who was with her, remembered her comment on The Embrace: “He’s hurting her but he wants to love her, too.” The bull appears against a fierce red background and seems reflective of Monroe’s rage over “romance gone awry,” as Lois Banner puts it in MM—Personal.

The total weight of taxation, progressive personal taxes hostile to the accumulation of wealth, the "negative saving" of hire purchase, and, above all, the constant expansion of the Welfare State, which undermines both the will and the power of the individual to practise thrift, are the principal forces militating against savings, and accordingly the immediate causes of constant inflationary pressure.

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.

Some of these tasks are interesting. Tinkering with machines is fun. Marketing decisions, especially how to manage the Web site and AdWords, are an intellectual challenge. Some are unpleasant but lead to a satisfying conclusion, like nagging customers for past-due payments. (They've always paid me, eventually.) Some are frightening, I can change an employee's life with my decisions about pay rates and whether to hire and fire. And many are just aggravating: the taxes, insurance purchases, legal issues, and some of the employee interactions. Each layer of government, each enormous and indifferent private bureaucracy, requires its own special knowledge: the right form filled out the correct way and filed at the right time. Learning how to complete on type of tax filing tells you nothing whatsoever about how to fill out the next form. One health insurer presents a quote one way, another in an entirely different way, and both require extensive study to determine the best choice. It's like stepping back to an old, old world where every tree, every rock, every stream is inhabited by its own resident spirit, and each needs to be mollified in the correct manner. Or very bad things happen. I didn't start my company to do any of this. I had no idea, when I decided that I would make furniture in exchange for money, that this was in my future. And the strange universe of administration expands as the company grows.

Bizarre and Surprising Insights—Consumer Behavior Insight Organization Suggested Explanation7 Guys literally drool over sports cars. Male college student subjects produce measurably more saliva when presented with images of sports cars or money. Northwestern University Kellogg School of Management Consumer impulses are physiological cousins of hunger. If you buy diapers, you are more likely to also buy beer. A pharmacy chain found this across 90 days of evening shopping across dozens of outlets (urban myth to some, but based on reported results). Osco Drug Daddy needs a beer. Dolls and candy bars. Sixty percent of customers who buy a Barbie doll buy one of three types of candy bars. Walmart Kids come along for errands. Pop-Tarts before a hurricane. Prehurricane, Strawberry Pop-Tart sales increased about sevenfold. Walmart In preparation before an act of nature, people stock up on comfort or nonperishable foods. Staplers reveal hires. The purchase of a stapler often accompanies the purchase of paper, waste baskets, scissors, paper clips, folders, and so on. A large retailer Stapler purchases are often a part of a complete office kit for a new employee. Higher crime, more Uber rides. In San Francisco, the areas with the most prostitution, alcohol, theft, and burglary are most positively correlated with Uber trips. Uber “We hypothesized that crime should be a proxy for nonresidential population.…Uber riders are not causing more crime. Right, guys?” Mac users book more expensive hotels. Orbitz users on an Apple Mac spend up to 30 percent more than Windows users when booking a hotel reservation. Orbitz applies this insight, altering displayed options according to your operating system. Orbitz Macs are often more expensive than Windows computers, so Mac users may on average have greater financial resources. Your inclination to buy varies by time of day. For retail websites, the peak is 8:00 PM; for dating, late at night; for finance, around 1:00 PM; for travel, just after 10:00 AM. This is not the amount of website traffic, but the propensity to buy of those who are already on the website. Survey of websites The impetus to complete certain kinds of transactions is higher during certain times of day. Your e-mail address reveals your level of commitment. Customers who register for a free account with an Earthlink.com e-mail address are almost five times more likely to convert to a paid, premium-level membership than those with a Hotmail.com e-mail address. An online dating website Disclosing permanent or primary e-mail accounts reveals a longer-term intention. Banner ads affect you more than you think. Although you may feel you've learned to ignore them, people who see a merchant's banner ad are 61 percent more likely to subsequently perform a related search, and this drives a 249 percent increase in clicks on the merchant's paid textual ads in the search results. Yahoo! Advertising exerts a subconscious effect. Companies win by not prompting customers to think. Contacting actively engaged customers can backfire—direct mailing financial service customers who have already opened several accounts decreases the chances they will open more accounts (more details in Chapter 7).

Goldman would provide M&A advice as well as involve its foreign exchange desk to handle the currency exchange for the purchase price. If Goldman missed the deal—meaning our bankers were not involved—then proprietary trading might possibly be involved in merger arbitrage (oftentimes, Goldman would make more money in proprietary merger arbitrage than if it had been hired to advise on the deal). Goldman ensured that we looked at each transaction and each flow and had some way to make money from it.

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Although the federal government had been trying to persuade middle-class families to buy single-family homes for more than fourteen years, the campaign had achieved little by the time Franklin D. Roosevelt took office in 1933. Homeownership remained prohibitively expensive for working- and middle-class families: bank mortgages typically required 50 percent down, interest-only payments, and repayment in full after five to seven years, at which point the borrower would have to refinance or find another bank to issue a new mortgage with similar terms. Few urban working- and middle-class families had the financial capacity to do what was being asked. The Depression made the housing crisis even worse. Many property-owning families with mortgages couldn't make their payments and were subject to foreclosure. With most others unable to afford homes at all, the construction industry was stalled. The New Deal designed one program to support existing homeowners who couldn't make payments, and another to make first-time homeownership possible for the middle class. In 1933, to rescue households that were about to default, the administration created the Home Owners' Loan Corporation (HOLC). It purchased existing mortgages that were subject to imminent foreclosure and then issued new mortgages with repayment schedules of up to fifteen years (later extended to twenty-five years). In addition, HOLC mortgages were amortized, meaning that each month's payment included some principal as well as interest, so when the loan was paid off, the borrower would own the home. Thus, for the first time, working- and middle-class homeowners could gradually gain equity while their properties were still mortgaged. If a family with an amortized mortgage sold its home, the equity (including any appreciation) would be the family's to keep. HOLC mortgages had low interest rates, but the borrowers still were obligated to make regular payments. The HOLC, therefore, had to exercise prudence about. its borrowers' abilities to avoid default. to assess risk, the HOLC wanted to know something about the condition of the house and of surrounding houses in the neighborhood to see whether the property would likely maintain its value. The HOLC hired local real estate agents to make the appraisals on which refinancing decisions could be based. With these agents required by their national ethics code to maintain segregation, it's not surprising that in gauging risk HOLK considered the racial composition of neighborhoods. The HOLC created color-coded maps of every metropolitan area in the nation, with the safest neighborhoods colored green and the riskiest colored red. A neighborhood earned a red color if African Americans lived in it, even if it was a solid middle-class neighborhood of single-family homes. For example, in St. Louis, the white middle-class suburb of Ladue was colored green because, according to an HOLC appraiser in 1940, it had 'not a single foreigner or negro.' The similarly middle-class suburban area of Lincoln Terrace was colored red because it had 'little or no value today . . . due to the colored element now controlling the district.' Although HOLC did not always decline to rescue homeowners in neighborhoods colored red on its maps (i.e., redlined neighborhoods), the maps had a huge impact and put the federal government on record as judging that African Americans, simply because of their race, were poor risks.

To solve the inability of middle-class renters to purchase single-family homes for the first time, Congress and President Roosevelt created the Federal Housing Administration in 1934. The FHA insured bank mortgages that covered 80 percent of purchase prices, had terms of twenty years, and were fully amortized. To be eligible for such insurance, the FHA insisted on doing its own appraisal of the property to make certain that the loan had a low risk of default. Because the FHA's appraisal standards included a whites-only requirement, racial segregation now became an official requirement of the federal mortgage insurance program. The FHA judged that properties would probably be too risky for insurance if they were in racially mixed neighborhoods or even in white neighborhoods near black ones that might possibly integrate in the future. When a bank applied to the FHA for insurance on a prospective loan, the agency conducted a property appraisal, which was also likely performed by a local real estate agent hired by the agency. as the volume of applications increased, the agency hired its own appraisers, usually from the ranks of the private real estate agents who had previously been working as contractors for the FHA. To guide their work, the FHA provided them with an Underwriting Manual. The first, issued in 1935, gave this instruction: 'If a neighborhood is to retain stability it is necessary that properties shall continue to be occupied by the same social and racial classes. A change in social or racial occupancy generally leads to instability and a reduction in values.' Appraisers were told to give higher ratings where '[p]rotection against some adverse influences is obtained,' and that '[i]mportant among adverse influences . . . are infiltration of inharmonious racial or nationality groups.' The manual concluded that '[a]ll mortgages on properties protected against [such] unfavorable influences, to the extent such protection is possible, will obtain a high rating.' The FHA discouraged banks from making any loans at all in urban neighborhoods rather than newly built suburbs; according to the Underwriting Manual, 'older properties . . . have a tendency to accelerate the rate of transition to lower class occupancy.' The FHA favored mortgages in areas where boulevards or highways served to separate African American families from whites, stating that '[n]atural or artificially established barriers will prove effective in protecting a neighborhood and the locations within it from adverse influences, . . . includ[ing] prevention of the infiltration of . . . lower class occupancy, and inharmonious racial groups.

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Investing (and deciding where to work): Value flows from choosing the right sector, team, and product, in that order. Sector: Embrace risk. Be contrarian, and look for disruptive, not incremental, improvements. Team: At our firm, and at our portfolio companies, it is all about the talent. “A” leaders hire A+ talent; “B” leaders hire C talent. Judge people by the team they build. If you are the smartest person in the room, and remain so for more than a few months, start to worry. Product: The tried-and-true way to judge a product’s value is by the customer’s second purchase. Many products are over-engineered, some are too incremental to displace legacy products, and others solve too narrow a problem. The best solutions offer value through simplicity and target the highest priority needs of buyers. In

its sour beer not so much purchased as merely hired for a while.

Anytime you access the internet, by phone or computer, there are companies using special programs to capture your information. They monitor the websites you visit, the information you have posted, advertisements you have viewed, and store the information on massive mainframes, collecting data on your browsing history. This information collection includes buying habits, places you’ve purchased coffee, and restaurants you have visited. Years ago, one large Social Media site hired four hundred people to sit at computers and look at the pictures people were posting.

Cash For Cars Removal - How Can It Save You Money? Cash for cars removed in Cash for Scrap Cars Removal is an excellent way to take the burden of disposal off your mind and have your car properly disposed of. Car removal companies remove cars that are not being resold or who don't meet environmental standards for disposal. They pay you the money for your car's value directly to the company, and then remove it at no cost to you. Cash for cars removal companies typically do not take responsibility for vehicle damage during the process of taking your car away. They also will not pay to get your car back if they discover that your vehicle does not meet their criteria for taking it away. Cash for Car Removal offers two methods of payment. Methods of payment are chosen based on the needs of the individual company and what the business can afford. Methods of payment generally range from a lump sum payment to monthly payments. If you pay in monthly installments, from Cash for Cars Bundall your car will be removed several weeks before your next payment due date. When you pay in lump sum, your car removal company will pay all necessary charges to your bank. This means you won't have any hidden fees. There are many advantages to hiring Cash for Cars Removal. Some of the advantages include the following: Cash for Car Removal companies offer environmentally friendly services for people who need to sell their used cars or vehicles, but do not have the money to purchase new ones. If your car or vehicle has certain cosmetic damage that prevents you from reselling it, you might qualify for a Cash for Cars Removal service. The removal companies also work in partnership with junk yards and dispose of old vehicles there, as well as storing vehicles temporarily while owners who qualify for bankruptcy are given another chance to start over. Cash for Car Removal also has an agreement with the city of New York to pick up and remove automobiles that have been ticketed or convicted of city driving laws. Not only are these individuals given another chance to start over with their lives, but the cars are also sent off to the junk yard or storage facility so they can be recycled and sold again. Before you get started, ensure that you do not have any outstanding tickets, unpaid taxes, liens, or other legal problems that may prevent you from getting Cash for Cars Removal. Cash for Car Removal offers safe and secure pick up and drop off locations for individuals who have valid licenses and insurance to drive vehicles. They work in partnership with various banks to provide the safest and most reliable finance-oriented services around. Cash for Car Removal is committed to helping individuals buy or sell used cars that meet their financial needs and do not pose any financial or environmental problem. Cash for Car Removal services are provided by many different nationwide junk car removal companies, as well as independent contractors. When you contact a Cash for Cars Removal company, make sure you're working with a reputable company that has years of experience dealing with every type of situation. Cash for Car Removal has been at the forefront in providing the most eco-friendly and convenient ways to remove your unwanted vehicles from your home or business. Using a Cash for Cars Removal company allows you to spend your time elsewhere instead of being stuck in a high traffic area. Cash for Car Removal gives customers a choice between paid removal and free pick up. The cost of each service is based on the amount of vehicles to be removed, the distance the vehicle is removed, and how many will be dropped off at each point. When used correctly, a Cash for Cars Removal service can save you hundreds of dollars and hours of unnecessary driving.

In the wake of the Great Famine of 1847, nearly one million immigrants fled Ireland for the United States. Among them was a farmer from Wexford County, Patrick Kehoe. Leaving his wife and seven children behind until he could establish himself in the New World, he first settled in Howard County, Maryland, where he found work as a stonemason. In 1850, he sent for his oldest son, Philip, a strapping seventeen-year-old. The rest of the family followed in 1851. By then, Michigan Fever—as the great surge of settlers during the 1830s came to be known—had subsided. Still, there was plenty of cheap and attractive land to be had for pioneering immigrants from the East. In 1855, Philip Kehoe, then twenty-two, left his family in Maryland and journeyed westward, settling in Lenawee County, roughly one hundred miles southeast of Bath. For two years, he worked as a hired hand, saving enough money to purchase 80 acres of timberland. That land became the basis of what would eventually expand into a flourishing 490-acre farm.1 In late 1858, he wed his first wife, twenty-six-year-old Mary Mellon, an Irish orphan raised by her uncle, a Catholic priest, who brought her to America when she was twenty. She died just two and a half years after her marriage, leaving Philip with their two young daughters, Lydia and a newborn girl named after her mother.2 Philip married again roughly three years later, in 1864. His second wife, twenty-nine at the time of their wedding, was the former Mary McGovern, a native New Yorker who had immigrated to Michigan with her parents when she was five. By the time of her death in 1890, at the age of fifty-five, she had borne Philip nine children: six girls and three boys. From the few extant documents that shed light on Philip Kehoe’s life during the twenty-six years of his second marriage, a picture emerges of a shrewd, industrious, civic-minded family man, an epitome of the immigrant success story.

Colonial Policy and Practice: A Comparative Study of Burma and Netherlands India by J. S. Furnivall Quoting page 85-87: Lower Burma when first occupied … was a vast deltaic plain of swamp and jungle, with a secure rainfall; when the opening of the canal created a market for rice, this wide expanse of land was rapidly reclaimed by small cultivators … Formerly, the villager in Lower Burma, like peasants in general, cultivated primarily for home consumption, and it has always been the express policy of the Government to encourage peasant proprietorship. Land in the delta was abundant … The opening of the canal provided a certain and profitable market for as much rice as people could grow. … men from Upper Burma crowded down to join in the scramble for land. In two or three years a labourer could save out of his wages enough money to buy cattle and make a start on a modest scale as a landowner. … The land had to be cleared rapidly and hired labour was needed to fell the heavy jungle. In these circumstances newly reclaimed land did not pay the cost of cultivation, and there was a general demand for capital. Burmans, however, lacked the necessary funds, and had no access to capital. They did not know English or English banking methods, and English bankers knew nothing of Burmans or cultivation. … in the ports there were Indian moneylenders of the chettyar caste, amply provided with capital and long accustomed to dealing with European banks in India. About 1880 they began to send out agents into the villages, and supplied the people with all the necessary capital, usually at reasonable rates and, with some qualifications, on sound business principles. … now the chettyars readily supplied the cultivators with all the money that they needed, and with more than all they needed. On business principles the money lender preferred large transactions, and would advance not merely what the cultivator might require but as much as the security would stand. Naturally, the cultivator took all that he could get, and spent the surplus on imported goods. The working of economic forces pressed money on the cultivator; to his own discomfiture, but to the profit of the moneylenders, of European exporters who could ensure supplies by giving out advances, of European importers whose cotton goods and other wares the cultivator could purchase with the surplus of his borrowings, and of the banks which financed the whole economic structure. But at the first reverse, with any failure of the crop, the death of cattle, the illness of the cultivator, or a fall of prices, due either to fluctuations in world prices or to manipulation of the market by the merchants, the cultivator was sold up, and the land passed to the moneylender, who found some other thrifty labourer to take it, leaving part of the purchase price on mortgage, and with two or three years the process was repeated. … As time went on, the purchasers came more and more to be men who looked to making a livelihood from rent, or who wished to make certain of supplies of paddy for their business. … Others also, merchants and shopkeepers, bought land, because they had no other investment for their profits. These trading classes were mainly townsfolk, and for the most part Indians or Chinese. Thus, there was a steady growth of absentee ownership, with the land passing into the hands of foreigners. Usually, however, as soon as one cultivator went bankrupt, his land was taken over by another cultivator, who in turn lost with two or three years his land and cattle and all that he had saved. [By the 1930s] it appeared that practically half the land in Lower Burma was owned by absentees, and in the chief rice-producing districts from two-thirds to nearly three-quarters. … The policy of conserving a peasant proprietary was of no avail against the hard reality of economic forces…

HOW TO GET HIRED OVER SOMEONE ELSE According to one event planner that I have done a lot of work with, event planners are looking for the following items when hiring an artist for an event: Reliability is number one. The event planners have a tough job pulling together everything for a big night. They re-hire the artists that they can count on to be on time and do a great job. A clearly understood brochure, pamphlet or email describing what the artist does. There should be prices and photos of the art, the artist making the art, and if possible, of the artist at events. Ancillary Items that the artist offers for purchase that can be given to guests at the event. A people-person; someone who can talk to the guests.

First, you need to hire a 1031 Qualified Intermediary before you close on the sale of one of your properties. That person will act as your guide and escrow agent as you move through the sale of one property and the purchase of the next. After the sale of your “relinquished property” you have 45 days to identify the “replacement property” and a total of 180 days to close on that second property. You want to be looking for the replacement property before or during the marketing of the property you are selling. If you find a good opportunity, you can enter into a contract with a right to assign clause if your first property does not sell or with a 1031 clause in the purchase agreement if it does.

Varna hired Joséphine to star in the 1930–31 show called Paris qui Remue, or Swinging Paris, and he planned to alternate the years in which Mistinguett and Joséphine starred. Mistinguett objected strongly to the shared show. She also complained about the director’s purchase

His detention prevents his working, and thereby sentences his dependents to poverty and the relief rolls. Unable to produce funds, he cannot hire the counsel of his choice.… Lacking income, he cannot accumulate funds to purchase his freedom. Without freedom he cannot seek out witnesses or other evidence for his defense… and if the defendant loses his job before trial, he loses with it perhaps his best argument, if convicted, for a suspended sentence.

Zego is a London based insurtech start-up that provides flexible motor, personal and commercial insurance. The company sells policies ranging in length from an hour to a year. Customers purchase these online, via phone and through Zego’s app. Zego was founded by former Deliveroo employees Sten Saar and Harry Franks, alongside Stuart Kelly, former Head of Engineering at Hubble. The company originally began operating in the motor insurance market, selling policies by the hour to part-time fast food delivery drivers. In 2020 Zego started to offer private hire insurance policies. Since 2016, the company has expanded into other areas of insurance, including public liability insurance for self-employed professionals and employers’ liability cover for businesses. In September 2018, Zego launched overseas, making flexible motor insurance products available to delivery drivers in Ireland. In December 2018, Zego began offering motor insurance policies in Spain.

DPG needed a little magic, and some financial alchemy, to create the new derivatives. The first trick was to split the Ajustabonos into two pieces. The most basic way to do this was to form a new company to buy the Ajustabonos and then have the company issue two new securities linked to the Ajustabonos. To create such a company without incurring the wrath of Mexican and U.S. regulators, Morgan Stanley looked to sunny Bermuda. Bermuda was known as a haven for all kinds of dysfunctional financial behavior and money laundering, first by drug dealers, then by the Mafia, and last by investment banks, including Morgan Stanley. Getting into bed with Drexel in the 1980s had pushed Morgan Stanley down a slippery slope. Now the firm was operating in Bermuda and behaving like the mob. Bermuda would protect DPG, but only at a price, and DPG had to play by Bermuda’s rules. First, Morgan Stanley hired several politically connected Bermuda lawyers to incorporate a special Bermuda company. These lawyers would serve on the company’s board of directors and provide crucial political contacts while the company was issuing its special bonds. Next, to avoid negative tax consequences, Morgan Stanley needed to find an appropriate charitable institution to purchase the company’s stock.

It is worth saying something about the social position of beggars, for when one has consorted with them, and found that they are ordinary human beings, one cannot help being struck by the curious attitude that society takes towards them. People seem to feel that there is some essential difference between beggars and ordinary 'working' men. They are a race apart–outcasts, like criminals and prostitutes. Working men 'work,' beggars do not 'work'; they are parasites, worthless in their very nature. It is taken for granted that a beggar does not 'earn' his living, as a bricklayer or a literary critic 'earns' his. He is a mere social excrescence, tolerated because we live in a humane age, but essentially despicable. Yet if one looks closely one sees that there is not essential difference between a beggar's livelihood and that of numberless respectable people. Beggars do not work, it is said; but, then, what is work? A navvy works by swinging a pick. An accountant works by adding up figures. A beggar works by standing out of doors in all weathers and getting varicose veins, chronic bronchitis, etc. It is a trade like any other; quite useless, of course–but, then, many reputable trades are quite useless. And as a social type a beggar compares well with scores of others. He is honest compared with the sellers of most patent medicines, high-minded compared with a Sunday newspaper proprietor, amiable compared with a hire-purchase tout–in short, a parasite, but a fairly harmless parasite. He seldom extracts more than a bare living from the community, and, what should justify him according to our ethical ideas, he pays for it over and over in suffering. I do not think there is anything about a beggar that sets him in a different class from other people, or gives most modern men the right to despise him.

Also known as hire purchase, installment credit was not entirely new—and consumer credit itself dated back to antiquity. In reality, according to Lendol Calder, an expert on the history of consumer credit, overindebtedness was a headache for the Pilgrims, the colonial planters, and nineteenth-century farmers: “A river of red ink,” he writes, “runs through American history.” However, up until the 1920s, installment credit had been used primarily for the sale of pianos, and, to a lesser extent, furniture and sewing machines.

Mr. Bliss wanted a country home in the city, so he purchased the old estate called ‘The Oaks’ which they both had seen together before she left. He loved the fact that it sat up on a one-hundredfoot-high hill which sloped down to Rock Creek, and was the highest point in Georgetown. It would require very extensive work on the mansion and grounds over many years. Mrs. Bliss returned after only two months in Paris to begin planning the enormous task that the estate grounds would require. She envisioned an estate like those in Italy with terraces dug into the hillside comprised of lovely areas resembling outdoor rooms stepping down from the most formal at the top to less formal as you wander down to the creek. She hired Beatrix Jones Farrand, a famous landscape gardener who worked on estates from Maine down the east coast to Washington.” They would eventually name the estate “Dumbarton Oaks” because of its history as part of the Rock of Dumbarton grant that Queen Anne of England made in 1702 to Scotsman Colonel Ninian Beall.

In the spring of 1935, an editor at the New York publishing house Macmillan, while on a scouting trip through the South, was introduced to Mitchell and signed her to a deal for her untitled book. Upon its release in the summer of 1936, the New York Times Book Review declared it “one of the most remarkable first novels produced by an American writer.” Priced at $3, Gone with the Wind was a blockbuster. By the end of the summer, Macmillan had sold over 500,000 copies. A few days prior to the gushing review in the Times, an almost desperate telegram originated from New York reading, “I beg, urge, coax, and plead with you to read this at once. I know that after you read the book you will drop everything and buy it.” The sender, Kay Brown, in this missive to her boss, the movie producer David Selznick, asked to purchase the book’s movie rights before its release. But Selznick waited. On July 15, seeing its reception, Selznick bought the film rights to Gone with the Wind for $50,000. Within a year, sales of the book had exceeded one million copies. Almost immediately Selznick looked to assemble the pieces needed to turn the book into a movie. At the time, he was one of a handful of major independent producers (including Frank Capra, Alfred Hitchcock, and Walt Disney) who had access to the resources to make films. Few others could break into a system controlled by the major studios. After producing films as an employee of major studios, including Paramount and MGM, the thirty-seven-year-old Selznick had branched out to helm his own productions. He had been a highly paid salaried employee throughout the thirties. His career included producer credits on dozens of films, but nothing as big as what he had now taken on. As the producer, Selznick needed to figure out how to take a lengthy book and translate it onto the screen. To do this, Selznick International Pictures needed to hire writers and a director, cast the characters, get the sets and the costumes designed, set a budget, put together the financing by giving investors profit-participation interests, arrange the distribution plan for theaters, and oversee the marketing to bring audiences to see the film. Selznick’s bigger problem was the projected cost.

Arizona used welfare dollars to pay for abstinence-only sex education. Pennsylvania diverted TANF funds to anti-abortion crisis pregnancy centers. Maine used the money to support a Christian summer camp.[14] And then there’s Mississippi. A 389-page audit released in 2020 found that money overseen by the Mississippi Department of Human Services (DHS) and intended for the state’s poorest families was used to hire an evangelical worship singer who performed at rallies and church concerts; to purchase a Nissan Armada, Chevrolet Silverado, and Ford F-250 for the head of a local nonprofit and two of her family members; and even to pay the former NFL quarterback Brett Favre $1.1 million for speeches he never gave.

Given this postulate, a prospect would (in theory) purchase something from you, and the moment their credit card was run, it would immediately become their reality. That is infinite value. Imagine clicking the purchase button on a weight loss product and instantly seeing your stomach turn into a six-pack. Or imagine hiring a marketing firm, and as soon as you sign your document, your phone begins ringing with new highly qualified prospects. How valuable would these products/services be? Infinitely valuable. And that’s the point. I don't know if we entrepreneurs will ever get there, but that is the hypothetical limit we all should strive towards, and why I structured the equation this way.

All leaders were equal at the conference table, but those from heavyweight countries showed that they were more equal by arriving in big private jets, the British in their VC 10s and Comets, and the Canadians in Boeings. The Australians joined this select group in 1979, after Malcolm Fraser's government purchased a Boeing 707 for the Royal Australian Air Force. Those African presidents whose countries were then better off, like Kenya and Nigeria, also had special aircraft. I wondered why they did not set out to impress the world that they were poor and in dire need of assistance. Our permanent representative at the UN in New York explained that the poorer the country, the bigger the Cadillacs they hired for their leaders. So I made a virtue of arriving by ordinary commercial aircraft, and thus helped preserve Singapore's third World status for many years. However, by the mid-1990s, the World Bank refused to heed our pleas not to reclassify us as a "High Income Developing Country", giving no Brownie points for my frugal travel habits. We lost all the concessions that were given to developing countries.

32. The Dark Side of the Internet There is a whole layer of the World Wide Web right under your fingertips, which you can never access through “conventional” means – it is not listed in search engines, the social media and the social bookmarking sites almost never mention it, and you are highly unlikely to stumble upon them just by surfing the Web. The terms Dark Web, Deep Web, Invisible Web, etc. have been in use ever since the Web was around. Although Deep Web and Dark Web are not the same thing, most people mistakenly identify them for one and the same. The Invisible Web is a benevolent part of it, where website owners merely wish to avoid being indexed around. On the other hand, the Dark Web is a terrifyingly “evil” part of the Internet where people can engage in a widest variety of illegal activities – from purchasing illegal drugs and watching videos of other people performing violent crimes, all the way to hiring professional assassins. And no, we are not going to tell you how to get there – you are better off without it. 33.

Pages 85-87: Lower Burma when first occupied … was a vast deltaic plain of swamp and jungle, with a secure rainfall; when the opening of the canal created a market for rice, this wide expanse of land was rapidly reclaimed by small cultivators … Formerly, the villager in Lower Burma, like peasants in general, cultivated primarily for home consumption, and it has always been the express policy of the Government to encourage peasant proprietorship. Land in the delta was abundant … The opening of the canal provided a certain and profitable market for as much rice as people could grow. … men from Upper Burma crowded down to join in the scramble for land. In two or three years a laborer could save out of his wages enough money to buy cattle and make a start on a modest scale as a landowner. … The land had to be cleared rapidly and hired labor was needed to fell the heavy jungle. In these circumstances newly reclaimed land did not pay the cost of cultivation, and there was a general demand for capital. Burmans, however, lacked the necessary funds, and had no access to capital. They did not know English or English banking methods, and English bankers knew nothing of Burmans or cultivation. … in the ports there were Indian moneylenders of the chettyar caste, amply provided with capital and long accustomed to dealing with European banks in India. About 1880 they began to send out agents into the villages, and supplied the people with all the necessary capital, usually at reasonable rates and, with some qualifications, on sound business principles. … now the chettyars readily supplied the cultivators with all the money that they needed, and with more than all they needed. On business principles the money lender preferred large transactions, and would advance not merely what the cultivator might require but as much as the security would stand. Naturally, the cultivator took all that he could get, and spent the surplus on imported goods. The working of economic forces pressed money on the cultivator; to his own discomfiture, but to the profit of the moneylenders, of European exporters who could ensure supplies by giving out advances, of European importers whose cotton goods and other wares the cultivator could purchase with the surplus of his borrowings, and of the banks which financed the whole economic structure. But at the first reverse, with any failure of the crop, the death of cattle, the illness of the cultivator, or a fall of prices, due either to fluctuations in world prices or to manipulation of the market by the merchants, the cultivator was sold up, and the land passed to the moneylender, who found some other thrifty laborer to take it, leaving part of the purchase price on mortgage, and with two or three years the process was repeated. … As time went on, the purchasers came more and more to be men who looked to making a livelihood from rent, or who wished to make certain of supplies of paddy for their business. … Others also, merchants and shopkeepers, bought land, because they had no other investment for their profits. These trading classes were mainly townsfolk, and for the most part Indians or Chinese. Thus, there was a steady growth of absentee ownership, with the land passing into the hands of foreigners. Usually, however, as soon as one cultivator went bankrupt, his land was taken over by another cultivator, who in turn lost with two or three years his land and cattle and all that he had saved. [By the 1930s] it appeared that practically half the land in Lower Burma was owned by absentees, and in the chief rice-producing districts from two-thirds to nearly three-quarters. … The policy of conserving a peasant proprietary was of no avail against the hard reality of economic forces…

So vulgar in fact that with a couple of weeks’ per diem I purchased a laptop and hired a man to teach me how to switch it on.

In startups the emphasis is on “get it done, and get it done fast.” So it’s natural that heads of Sales and Marketing believe they are hired for what they know, not what they can learn. They assume their prior experience is relevant in this new venture. They assume they understand the customer problem and therefore the product that needs to be built and sold. Therefore they need to put that knowledge to work and execute the product development, sales and marketing processes and programs that have worked for them before. This is usually a faulty assumption. Before we can build and sell a product, we have to answer some very basic questions: What are the problems our product solves? Do customers perceive these problems as important or “must-have”? If we’re selling to businesses, who in a company has a problem our product could solve? If we are selling to consumers how do we reach them? How big is this problem? Who do we make the first sales call on? Who else has to approve the purchase? How many customers do we need to be profitable? What’s the average order size?

Silicon Valley has maintained that pace since the 1970s and has been seen as an innovative force in the American economy. Technology has rapidly transformed nearly every industry. While colleges have spent millions to outfit campuses with wireless technology, purchase the latest computing power, and hire IT staff, technology has failed, until now, to improve quality, bring greater efficiency, and lower costs, as the next two chapters will detail.

As Nate Silver, author of The Signal and the Noise: Why So Many Predictions Fail—But Some Don’t, points out, “ice cream sales and forest fires are correlated because both occur more often in the summer heat. But there is no causation; you don’t light a patch of the Montana brush on fire when you buy a pint of Häagen-Dazs.” Of course, it’s no surprise that correlation isn’t the same as causality. But although most organizations know that, I don’t think they act as if there is a difference. They’re comfortable with correlation. It allows managers to sleep at night. But correlation does not reveal the one thing that matters most in innovation—the causality behind why I might purchase a particular solution. Yet few innovators frame their primary challenge around the discovery of a cause. Instead, they focus on how they can make their products better, more profitable, or differentiated from the competition. As W. Edwards Deming, the father of the quality movement that transformed manufacturing, once said: “If you do not know how to ask the right question, you discover nothing.” After decades of watching great companies fail over and over again, I’ve come to the conclusion that there is, indeed, a better question to ask: What job did you hire that product to do? For me, this is a neat idea. When we buy a product, we essentially “hire” something to get a job done. If it does the job well, when we are confronted with the same job, we hire that same product again. And if the product does a crummy job, we “fire” it and look around for something else we might hire to solve the problem. Every day stuff happens to us. Jobs arise in our lives that we need to get done. Some jobs are little (“ pass the time while waiting in line”), some are big (“ find a more fulfilling career”). Some surface unpredictably (“ dress for an out-of-town business meeting after the airline lost my suitcase”), some regularly (“ pack a healthy, tasty lunch for my daughter to take to school”). Other times we know they’re coming. When we realize we have a job to do, we reach out and pull something into our lives to get the job done. I might, for example, choose to buy the New York Times because I have a job to fill my time while waiting for a doctor’s appointment and I don’t want to read the boring magazines available in the lobby. Or perhaps because I’m a basketball fan and it’s March Madness time. It’s only when a job arises in my life that the Times can solve for me that I’ll choose to hire the paper to do it. Or perhaps I have it delivered to my door so that my neighbors think I’m informed—and nothing about their ZIP code or median household income will tell the Times that either.

By contrast, one company that clearly understands the stakes is Uber. In the last several years, few companies have captured the media’s attention like Uber. In my opinion, Uber has been successful because it’s perfectly nailed a Job to Be Done. Yes, Uber can often offer a nice car to take you from point A to point B, but that’s not where it’s built its competitive advantage. The experiences that come with hiring Uber to solve customers’ Jobs to Be Done are better than the existing alternatives. That’s the secret to its success. Everything about the experience of being a customer—including the emotional and social dimensions—has been thought through. Who wants to have to outmaneuver other poor schlubs on the same street corner who are trying to hail a cab? You don’t want to either pay for a car service to wait outside your meeting or be at its mercy when you’re finally ready to call it to come back and get you. With Uber, you simply push a few buttons on your mobile phone and you know that in three minutes or seven minutes a specific driver will arrive to pick you up. Now you can relax and just wait. You don’t have to worry if you have enough cash in your wallet or fear that if you swipe your credit card in that taxi machine, you’ll get a call from your bank wondering if you’ve recently made purchases in some state you’ve never even been to. Calling an Uber has even more potential to ease your anxieties about getting into a cab alone. With Uber there’s a record of your request, you know specifically who is picking you up, and you know from the driver’s ratings that he or she is reliable.