How To Compare Refinance Quotes

Think of cocaine. In its natural form, as coca leaves, it's appealing, but not to an extent that it usually becomes a problem. But refine it, purify it, and you get a compound that hits your pleasure receptors with an unnatural intensity. That's when it becomes addictive. Beauty has undergone a similar process, thanks to advertisers. Evolution gave us a circuit that responds to good looks - call it the pleasure receptor for our visual cortex - and in our natural environment, it was useful to have. But take a person with one-in-a-million skin and bone structure, add professional makeup and retouching, and you're no longer looking at beauty in its natural form. You've got pharmaceutical-grade beauty, the cocaine of good looks. Biologists call this "supernormal stimulus" [...] Our beauty receptors receive more stimulation than they were evolved to handle; we're seeing more beauty in one day than our ancestors did in a lifetime. And the result is that beauty is slowly ruining our lives. How? The way any drug becomes a problem: by interfering with our relationships with other people. We become dissatisfied with the way ordinary people look because they can't compare to supermodels.

What is remarkable is that there are no traces of evolution from simple to sophisticated, and the same is true of mathematics, medicine, astronomy and architecture and of Egypt's amazingly rich and convoluted religio-mythological system (even the central content of such refined works as the Book of the Dead existed right at the start of the dynastic period). 7 The majority of Egyptologists will not consider the implications of Egypt's early sophistication. These implications are startling, according to a number of more daring thinkers. John Anthony West, an expert on the early dynastic period, asks: How does a complex civilization spring full-blown into being? Look at a 1905 automobile and compare it to a modern one. There is no mistaking the process of `development'. But in Egypt there are no parallels. Everything is right there at the start. The answer to the mystery is of course obvious but, because it is repellent to the prevailing cast of modern thinking, it is seldom considered. Egyptian civilization was not a `development', it was a legacy.

She was never tired of praising Italy at the expense of England. “. . . our poor English,” she exclaimed, “want educating into gladness. They want refining not in the fire but in the sunshine.” Here in Italy were freedom and life and the joy that the sun breeds. One never saw men fighting, or heard them swearing; one never saw the Italians drunk;—“the faces of those men” in Shoreditch came again before her eyes. She was always comparing Pisa with London and saying how much she preferred Pisa.

Do I smell like wild places, still?” Sergei laughed softly and ruffled his hair. “I’d have to compare. And monitor that. Refine my assessment over the next years…” “Ranch has plenty of spare dung. I’ll be sure to roll in it regularly.” Teeth scraped his arm, nipped his skin gently. “I always knew the Alliance was decadent. I intend to see just how decadent.

Our new elite have more refined sensibilities than the old aristocracy: just as dowager duchesses would sniff that so-and-so was "in trade", so today's rulers have an antipathy to doers in general. How could Sarah Palin's executive experience running a state, a town, and a commercial fishing operation compare to all that experience Barack Obama had in sitting around thinking great thoughts? In forming his war cabinet, Winston Churchill said that he didn't want to fill it up with "mere advisors at large with nothing to do but think and talk." But Obama sent the Oval Office bust of Sir Winston back to the British, and now we have a government by men who've done nothing but "think and talk". There was less private-sector business experience in Obama's cabinet than in any administration going back a century.

I was quite disappointed at the general appearance of things in New Bedford. The impression which I had received respecting the character and condition of the people of the north, I found to be singularly erroneous. I had very strangely supposed, while in slavery, that few of the comforts, and scarcely any of the luxuries, of life were enjoyed at the north, compared with what were enjoyed by the slaveholders of the south. I probably came to this conclusion from the fact that northern people owned no slaves. I supposed that they were about upon a level with the non-slaveholding population of the south. I knew they were exceedingly poor, and I had been accustomed to regard their poverty as the necessary consequence of their being non-slaveholders. I had somehow imbibed the opinion that, in the absence of slaves, there could be no wealth, and very little refinement. And upon coming to the north, I expected to meet with a rough, hard-handed, and uncultivated population, living in the most Spartan-like simplicity, knowing nothing of the ease, luxury, pomp, and grandeur of southern slaveholders. Such being my conjectures, any one acquainted with the appearance of New Bedford may very readily infer how palpably I must have seen my mistake.

55. We should, therefore, have a guardian, as it were, to pluck us continually by the ear and dispel rumours and protest against popular enthusiasms. For you are mistaken if you suppose that our faults are inborn in us; they have come from without, have been heaped upon us. Hence, by receiving frequent admonitions, we can reject the opinions which din about our ears. 56. Nature does not ally us with any vice; she produced us in health and freedom. She put before our eyes no object which might stir in us the itch of greed. She placed gold and silver beneath our feet, and bade those feet stamp down and crush everything that causes us to be stamped down and crushed. Nature elevated our gaze towards the sky and willed that we should look upward to behold her glorious and wonderful works. She gave us the rising and the setting sun, the whirling course of the on-rushing world which discloses the things of earth by day and the heavenly bodies by night, the movements of the stars, which are slow if you compare them with the universe, but most rapid if you reflect on the size of the orbits which they describe with unslackened speed; she showed us the successive eclipses of sun and moon, and other phenomena, wonderful because they occur regularly or because, through sudden causes they help into view – such as nightly trails of fire, or flashes in the open heavens unaccompanied by stroke or sound of thunder, or columns and beams and the various phenomena of flames. 57. She ordained that all these bodies should proceed above our heads; but gold and silver, with the iron which, because of the gold and silver, never brings peace, she has hidden away, as if they were dangerous things to trust to our keeping. It is we ourselves that have dragged them into the light of day to the end that we might fight over them; it is we ourselves who, tearing away the superincumbent earth, have dug out the causes and tools of our own destruction; it is we ourselves who have attributed our own misdeeds to Fortune, and do not blush to regard as the loftiest objects those which once lay in the depths of earth. 58. Do you wish to know how false is the gleam that has deceived your eyes? There is really nothing fouler or more involved in darkness than these things of earth, sunk and covered for so long a time in the mud where they belong. Of course they are foul; they have been hauled out through a long and murky mine-shaft. There is nothing uglier than these metals during the process of refinement and separation from the ore. Furthermore, watch the very workmen who must handle and sift the barren grade of dirt, the sort which comes from the bottom; see how soot-besmeared they are! 59. And yet the stuff they handle soils the soul more than the body, and there is more foulness in the owner than in the workman.

Week 1: Build an Arsenal of Ideas Day 1: Predict the Future Day 2: Learn How Money Grows on Trees Day 3: Brainstorm, Borrow, or Steal Ideas Day 4: Weigh the Obstacles and Opportunities of Each Idea Day 5: Forecast Your Profit on the Back of a Napkin Week 2: Select Your Best Idea Day 6: Use the Side Hustle Selector to Compare Ideas Day 7: Become a Detective Day 8: Have Imaginary Coffee with Your Ideal Customer Day 9: Transform Your Idea into an Offer Day 10: Create Your Origins Story Week 3: Prepare for Liftoff Day 11: Assemble the Nuts and Bolts Day 12: Decide How to Price Your Offer Day 13: Create a Side Hustle Shopping List Day 14: Set Up a Way to Get Paid Day 15: Design Your First Workflow Day 16: Spend 10 Percent More Time on the Most Important Tasks Week 4: Launch Your Idea to the Right People Day 17: Publish Your Offer! Day 18: Sell Like a Girl Scout Day 19: Ask Ten People for Help Day 20: Test, Test, and Test Again Day 21: Burn Down the Furniture Store Day 22: Frame Your First Dollar Week 5: Regroup and Refine Day 23: Track Your Progress and Decide on Next Steps Day 24: Grow What Works, Let Go of What Doesn’t Day 25: Look for Money Lying Under a Rock Day 26: Get It Out of Your Head Day 27: Back to the Future

I was in charge of decisions and marketing, and Sean was in charge of research and operations. When we were trying to identify our target customer, he spent a ton of time putting together spreadsheets comparing all the different markets we should consider. When he showed them to me and asked me what I thought, I replied, “Yoga.” Huh? “We could easily do multiple products serving people who do yoga,” I told him. “It’s an emerging trend. And I know a ton of those people; I can ask them what they want. Let’s start a yoga business.” Sean’s initial response was, “That’s not a quantitative analysis, Ryan!” I’ve never been one to overthink things—most people spend way too much time in the research period. I make decisions fast and adjust later. With our target customer identified, we made a list of possible products and chose our gateway product—a yoga mat. With that, we began the process of product development. We looked up the top-selling yoga mats on Amazon and read through the reviews; we asked questions on Facebook groups, subreddits, and Instagram influencer accounts. It didn’t take long before we had an idea of the main pain points we needed to address with our first product. I remembered Don’s advice and began looking for people to make the product. With a quick scroll and a click, we could choose between a wholesaler in China, a private label supplier out of India, or a contract manufacturer in Vietnam. For about fifty bucks, we were able to order a set of yoga mat samples that had the exact features we were looking for. It was that easy. Samples in hand, we needed to refine our product idea to make sure we were really hitting the pain points we’d identified. At that time, I’d done yoga maybe two or three times in my life, and I wasn’t nearly the right demographic for our mats anyway. That forced me to ask questions. We were targeting yoga-loving millennials, so I went where they often congregate: Starbucks. There, I did the kind of tough field work that really makes an entrepreneur sweat: asking young women questions over coffee. “Which yoga mat do you prefer? Why?” “What makes the difference between a bad yoga mat and a good one?” “What’s wrong with your current yoga mat?” “What do you think of this one? And what about this one?” Next, I headed over to local yoga studios to see how our samples stacked up against the strenuous demands of a yoga class. A few classes later, Sean and I had everything we needed to narrow down our product development. Armed with all our data, we went back to the manufacturers. From a couple yoga-clueless guys, we’d become knowledgeable enough to know not just what a good yoga mat looked like, but how it had to feel and perform. We knew what we needed our yoga mat to do. Now we just had to find the manufacturer to supply it.

Hemp Marijuana’s sober cousin is out to redeem its dreary sandal-wearing reputation. Requiring no pesticides, very little water and comparatively small amounts of land to grow, there’s no doubt as to hemp’s environmental credentials – but its style kudos is looking up too. New, refined production means the days of rough hessian textures are over, and there are countless brands using it to make clothes that are more hip, less hippie. Inhale at leisure.

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but the truth is that comparing what private equity firms used to be—and where the perception of private equity still sits in many quarters—to what they are now is like comparing a Motorola cellphone from the 1990s to the latest iPhone. There’s a world of differences; it’s not even close. For pension funds and other investors in private equity funds, the firms they back gives them access to investment opportunities they can’t find or execute themselves. What’s more, they get consistent investment returns out of these opportunities, whether they include leveraged buyouts, credit investments, infrastructure assets, essential utilities, real estate transactions, technology deals, natural resources projects, banks, insurance companies, or life science opportunities. They can buy companies, carve out businesses, build up companies through acquisitions and organic growth, spin off businesses, take companies private from the public market, buy businesses from other funds they manage, draw margin loans to finance dividends, and refinance the capital structure pre-exit. And more besides.

overweight men and women.62 They found a significant reduction in liver inflammation in the real oatmeal group, but that may have been because they lost so much more weight than the controls (that is, the placebo-oatmeal eaters). Nearly 90 percent of the real-oatmeal-treated subjects had lost weight, compared with no weight loss, on average, among the control group. So it may be that the benefits of whole grains on liver function are indirect.63 A follow-up study in 2014 helped confirm the findings of a protective role for whole grains in nonalcoholic fatty liver patients in reducing the risk of liver inflammation. In this study, refined grain consumption was associated with increased risk of the disease.64 So lay off the Wonder Bread and stick to truly wonderful whole-grain foods, including oatmeal.

democracy flourishes when we express our doubts over a policy, over the motives of our leaders. Compare this with those who flee troubling ambiguity by wrapping themselves and their vehicles in flags, drown honest debate with chauvinistic clamor, and encourage a pseudo-patriotism that ill serves its nation by silencing serious dialogue that might lead to more refined judgment.

Archaeologists who want to establish the date of a particular site have a number of techniques they can use. If they find organic material, say the bones of an animal, they can use radiocarbon dating. If they find the remains of wooden structures, a post or lintel say, they can use dendrochronology, or tree-ring dating. If they find a firepit they can use archaeomagnetic dating. Radiocarbon dating works because, when alive, an organism takes in carbon from the air or through the food chain; carbon contains small amounts of the radioactive isotope carbon-14, which decays into nonradioactive standard carbon at a constant rate; when the organism dies it ceases to ingest carbon, so the proportion of carbon-14 in its remains steadily decays. Measuring the relative amount of carbon-14 content therefore establishes a fairly accurate date for the specimen. Dendrochronology works because tree rings vary in width season by season according to the rainfall received, and so trees that grow in a given climatic region and historical period show similar ring-width patterns. Comparing the ring pattern to a known and dated local ring pattern establishes exactly the years in which the wood in the structure was growing. Archaeomagnetic dating works because the earth's magnetic field changes direction over time gradually in a known way. Clays or other materials in a firepit, when fired and cooled, retain a weak magnetism that aligns with the earth's field, and this establishes a rough date for the firepit's last use. There are still other techniques: potassium-argon dating, thermoluminescence dating, hydration dating, fission-track dating. But what I want the reader to notice is that each of these relies on some particular set of natural effects. That a technology relies on some effect is general. A technology is always based on some phenomenon or truism of nature that can be exploited and used to a purpose. I say "always" for the simple reason that a technology that exploited nothing could achieve nothing. This is the third of the three principles I am putting forward, and it is just as important to my argument as the other two, combination and recursiveness. This principle says that if you examine any technology you find always at its center some effect that it uses. Oil refining is based on the phenomenon that different components or fractions of vaporized crude oil condense at different temperatures. A lowly hammer depends on the phenomenon of transmission of momentum (in this case from a moving object-the hammer-to a stationary one-the nail). Often the effect is obvious. But sometimes it is hard to see, particularly when we are very familiar with the technology. What phenomenon does a truck use? A truck does not seem to be based on any particular law of nature. Nevertheless it does use a phenomenon-or, I should say, two. A truck is in essence a platform that is self-powered and can be moved easily. Central to its self-powering is the phenomenon that certain chemical substances (diesel fuel, say) yield energy when burned; and central to its ease of motion is the "phenomenon" that objects that roll do so with extremely low friction compared with ones that slide (which is used of course in the wheels and bearings). This last "phenomenon" is hardly a law of nature; it is merely a usable-and humble-natural effect. Still it is a powerful one and is exploited everywhere wheels or rolling parts are used.

you buy packaged grain products, anything labeled on the front with words like “multigrain,” “stone-ground,” “100% wheat,” “cracked wheat,” “seven-grain,” or “bran” is usually not a whole-grain product. They’re trying to distract you from the fact that they’re using refined grains. Here, color may not help. Ingredients like “raisin juice concentrate” are used to darken white bread to make it look healthier. Even if the first word in the ingredients list is “whole,” the rest of the ingredients could be junk. I suggest using the Five-to-One Rule. When buying healthier, whole-grain products, look at the Nutrition Facts label on the package and see if the ratio of grams of carbohydrates to grams of dietary fiber is five or less (see figure 7). For example, let’s see if 100 percent whole-wheat Wonder Bread passes the test: Per serving, the package lists 30 grams of carbohydrates and 3 grams of fiber. Thirty divided by 3 is 10. Well, 10 is more than 5, so the 100 percent whole-wheat Wonder Bread goes back on the shelf even though, technically, it’s a whole-grain product. Compare that to Ezekiel bread, a sprouted-grain bread based on a biblical verse. It has 15 grams of carbohydrates and 3 grams of fiber, and, just like that, passes the test. So do Ezekiel english muffins, which taste great with fruit-only jam and nut butter. Though the science on the potential benefits of sprouted grains is still in its infancy, available data look promising.

In my condemnation of Christianity I surely hope I do no injustice to a related religion with an even larger number of believers: I allude to Buddhism. Both are to be reckoned among the nihilistic religions—they are both décadence religions—but they are separated from each other in a very remarkable way. For the fact that he is able to compare them at all the critic of Christianity is indebted to the scholars of India.—Buddhism is a hundred times as realistic as Christianity—it is part of its living heritage that it is able to face problems objectively and coolly; it is the product of long centuries of philosophical speculation. The concept, “god,” was already disposed of before it appeared. Buddhism is the only genuinely positive religion to be encountered in history, and this applies even to its epistemology (which is a strict phenomenalism). It does not speak of a “struggle with sin,” but, yielding to reality, of the “struggle with suffering.” Sharply differentiating itself from Christianity, it puts the self-deception that lies in moral concepts behind it; it is, in my phrase, beyond good and evil.—The two physiological facts upon which it grounds itself and upon which it bestows its chief attention are: first, an excessive sensitiveness to sensation, which manifests itself as a refined susceptibility to pain, and secondly, an extraordinary spirituality, a too protracted concern with concepts and logical procedures, under the influence of which the instinct of personality has yielded to a notion of the “impersonal.” (—Both of these states will be familiar to a few of my readers, the objectivists, by experience, as they are to me). These physiological states produced a depression, and Buddha tried to combat it by hygienic measures. Against it he prescribed a life in the open, a life of travel; moderation in eating and a careful selection of foods; caution in the use of intoxicants; the same caution in arousing any of the passions that foster a bilious habit and heat the blood; finally, no worry, either on one’s own account or on account of others. He encourages ideas that make for either quiet contentment or good cheer—he finds means to combat ideas of other sorts. He understands good, the state of goodness, as something which promotes health. Prayer is not included, and neither is asceticism. There is no categorical imperative nor any disciplines, even within the walls of a monastery (—it is always possible to leave—). These things would have been simply means of increasing the excessive sensitiveness above mentioned. For the same reason he does not advocate any conflict with unbelievers; his teaching is antagonistic to nothing so much as to revenge, aversion, ressentiment (—“enmity never brings an end to enmity”: the moving refrain of all Buddhism....) And in all this he was right, for it is precisely these passions which, in view of his main regiminal purpose, are unhealthful. The mental fatigue that he observes, already plainly displayed in too much “objectivity” (that is, in the individual’s loss of interest in himself, in loss of balance and of “egoism”), he combats by strong efforts to lead even the spiritual interests back to the ego. In Buddha’s teaching egoism is a duty. The “one thing needful,” the question “how can you be delivered from suffering,” regulates and determines the whole spiritual diet. (—Perhaps one will here recall that Athenian who also declared war upon pure “scientificality,” to wit, Socrates, who also elevated egoism to the estate of a morality). The things necessary to Buddhism are a very mild climate, customs of great gentleness and liberality, and no militarism; moreover, it must get its start among the higher and better educated classes. Cheerfulness, quiet and the absence of desire are the chief desiderata, and they are attained. Buddhism is not a religion in which perfection is merely an object of aspiration: perfection is actually normal.—