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Humanistic propaganda screams at us everywhere we go. “You deserve better.” “There’s no one like you.” “Stand up for yourself.” And after a while we start believing the mantra. The most influential culture-shaping document in American history is the Declaration of Independence. And built into the ethos of American society are three inalienable rights: life, liberty, and the pursuit of happiness. I think the wording is ironic: the pursuit of happiness. It’s almost like the architects of modern democracy said, “We guarantee you life, and we promise you liberty. But happiness? Good luck.” America is a social experiment founded on the pursuit of happiness. Hundreds of millions of Americans are chasing down happiness. Money, materialism, sex, romance, religion, family, and fame are all pursuits of the same human craving—joy. But apart from Jesus, we never get there. People spend decades searching high and low for happiness and never land at joy. In an odd twist of fate, America, for all her life and liberty, is one of the most depressed nations in the world. And many of us are mad at God. Somehow we think God owes us. We deserve happiness. We deserve a good, comfortable life, free from pain and suffering. We have rights! Right? The scriptures present a totally different worldview that stands against the humanism of Western Europe. It is written, “By grace you have been saved.”[17] The word grace is (charis) in the Greek, which can be translated as “gift.” All of life is grace. All of life is a gift. Humans have no rights. Everything is a gift. Food, shelter, the clothes on our backs, the oxygen in our lungs—it’s all grace. The entire planet, the sky above us and the ground beneath our feet, is all on loan from the Creator God. We live under his roof, eat his food, and drink his water. We are guests. And we are blessed. A reporter once asked Bob Dylan if he was happy. Dylan’s response was, “These are yuppie words, happiness and unhappiness. It’s not happiness or unhappiness. It’s either blessed or unblessed.”[18] I like that. We are blessed. When you reorient yourself to a biblical worldview, the only posture left to take is gratitude. If all of life is a gift, how could we help but thank God?

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It was a moment where I realized that if we can back down that easily and we can get intimidated, then U.S. Soccer has the upper hand on us at all points in time because it didn’t take that much,” she adds. “We had the courage to say we were going to go on strike, and then, within a few days, we decided, no, we’ll get on the plane and play in Portugal.” During the Algarve Cup, discussions within the team continued and Langel met with U.S. Soccer for negotiations while the players were out of the country. By the time they got back, they were close to a deal with U.S. Soccer that would cover them both in the NWSL and in case the league folded. Striking was still on the table, but the players no longer felt it was necessary. Asked about a strike, U.S. Soccer president Sunil Gulati says he was never made aware that the team was considering it. In the end, the contract the two sides agreed to offered large increases in compensation for the national team. If the NWSL couldn’t get off the ground, salaries would go up between $13,000 and $31,000, depending on each player’s tier. But with the new league in place, salaries would stay almost the same while players would get an extra $50,000 NWSL salary. On top of their guaranteed income, more money than ever was available through performance bonuses and a $1.20 cut of every national team game ticket sold that would be put into a team pool. In the end, the biggest sticking point, however, wasn’t the compensation—it was locking the players into the NWSL. It became a requirement in their national team contract, and there was no backing out if the players didn’t like their club teams.

It’s not just that man, supposedly the most intelligent creature in our known universe, in his greed, blind ambition and willful carelessness has chosen to destroy the perfect balance of nature on which his life depends, but he’s committed himself to obliterating intelligence altogether. We have lawmakers who prefer mythology to science, fiction to reality, faith over facts and lies versus the truth. They start wars in the names of all their gods, and wash their hands in the blood of innocents like it’s righteous water. They blatantly and proudly design laws to discriminate and denigrate those who are not like them and base it on fables. They preach hatred, intolerance, and segregation. Rather than bring man together, they want to separate and enslave him. They neither aspire nor inspire. They drag progress backward to the age of ignorance when women had no role but as servant to man, not owning their own bodies, or having choices in their life. And they smile proudly as if their stupidity were a badge of honor. Their minds are closed like steel traps and they are backed by enough money to put the worst of the worst of them in power. It’s fascism under a new banner, guaranteeing a world of suffering rather than progress. They are the cancer eating away not only at the globe we live on, but at civilization itself.

Buying mines was one way to address the issue: now Glencore’s traders would have a guaranteed flow of commodities to sell, without having to outbid their competitors to secure them. ‘I’ve always said, pure commodity trading without the assets backing up the trading is very difficult,’ Glasenberg says today.25 It was one thing to buy a few coal mines.

By the early 1990s it had some $9 billion.26 And so, under the watch of chief financial officer Henri B. Meier, Roche set about putting its cash pile in an array of investments that had nothing to do with pharmaceuticals. That was how, in 1994, thanks to an introduction by Marc Rich’s financial adviser Heinz Pauli, the pharmaceutical company came to Strothotte’s rescue. Unlike Ebner, Roche had no interest in how the company was run – it just wanted to make money. Strothotte agreed to sell 15% of the company’s shares for about $150 million, with a promise to buy them back at a later date and a guarantee that Roche would receive a certain return on its investment.

Your husband is the king of all assholes, Aimee! I guarantee the only thing he was worried about was the money you cashed out of your joint accounts to help me! You’re not seriously considering giving it back to him!

Whether you read everything Lewis ever wrote or have never heard of the guy, we hope you will enjoy the amazing stories shared by those who knew Lewis well. For decades Lewis brought a smile to folks across the country while they enjoyed their morning coffee. This is our best effort to honor him with a few more smiles. Sit back and enjoy Lewis “stuff” as told by friends who loved him. We promise you will learn at least 10 facts about him you never knew. Maybe 30 or even 50 facts. Or your money back. But to get your money back you will have to prove you knew facts before reading the book. That could be tricky. Best to ignore any money back guarantee until we figure out how that might work.

Consider the strategy of any typical early chartered corporation. In 1602, the Dutch Crown sanctioned the United East India Company to conquer territory and exploit resources in the Pacific. The Company’s scheme was to acquire lands in Indonesia by lending money to cultivators and then dispossessing them when they failed to make payments. This was made easier by trade policies that guaranteed the farmers’ failure. The Company got the Dutch to prohibit cultivation of the most profitable export crops—like cloves—on land not already under Dutch ownership. Loans failed, and more collateral in the form of land passed into Company hands. Indonesians lost access to the most fertile land, and were ultimately forced to buy their rice from United East India at the artificially inflated, monopoly-supported prices. The local economy was devastated as more land and labor were surrendered to the corporation. As

Trust me, Roberts. I should start a money-back guarantee scheme. You’ll get your happy ending.

Suddenly, he was looming over me, his hands resting on the arms of my chair, trapping me. “I want you. In my villa, baking me a cake every day. I want to watch you create your art. I want to smell the aroma of it. Taste it. I want to hear you sing as you bake. Then I want you in my bed, so I can taste you. Devour you. Get my fill. I need you to satisfy all my cravings.” My breathing picked up, and I had to swallow down my whimper. I shook my head. “I won’t sleep with you for money.” “No, you won’t. You’ll sleep with me because you want me as much as I want you. And I won’t touch you until you ask. But you will ask, Little Bee. You’ll give me what I want, including your body. Freely. I guarantee it.” “No,” I managed to push out between my tightly clenched lips. “It will happen.” “Leave. Now.” He straightened, tugging down his sleeves and smoothing back his hair. Then he moved so fast, I had no time to react. His mouth was on mine, his tongue sliding in, gliding and twisting, making me crazy instantly. I had no control over my own body. It bloomed like a rose under his touch, weeping for him, wanting him closer. Wanting his mouth harder, his tongue deeper. Then as quickly as he was on me, he was gone. Staring up at him, I touched my bruised lips. “It will happen, Little Bee. The hard way or the easy way, it will happen.” He pulled a card from his pocket. “My number. You have twenty-four hours to decide.

America grows increasingly desperate and violent. Politicians will guarantee to protect you every January 6th from nebulous, rampaging, red-hatted mobs that vow to Make America Great Again. Many Americans are willing to sacrifice their own family’s needs for those of their politicians and their families. With a defensive budget of almost 817 billion dollars, they were defeated by a mob that was led by a guy with a Water Buffalo hat. I want my money back. The same politicians, who couldn’t protect themselves from the Buffalo-hatted shaman, now need my support. They are the same politicians giving out gobs of my money, on television, like it’s Halloween and they’ve forgotten to buy a couple trillion fun-sized Snickers bars in case those nice Ukrainian children show up once more. It would be funny if it wasn’t so incredibly sad, and pathetic.

they catch initials -- STD, PMS, OCD, HIV, etc., as if MTV teamed up with KFC and licensed the Latin alphabet to the pharmaceutical industry so OTCs could replace MDs. If Romeo and Juliet were alive today, they’d be put on antidepressants, sent for counseling, and bundled off to separate boarding schools to meet socially acceptable partners with money-back guarantees.

the day. His ma’s in the hospital, ye see…skidded on a mat when she was gettin’ her hair done in Hilda Cahoon’s hair saloon and broke her hip. Hilda had tae get the amb’lance, ’cos she couldn’t get herself up.” “Well, I’m sorry to hear that, but—” “Ye could try McMurty in the town but he’d charge ye an arm and a leg, ’cos he’s got bigger overheads than me. He’d do a quicker job for ye, right enuff, but I’d put money on it that it wouldn’t be as good a job as I’d do. I take me time, ye see, on account of havin’ a bit more of it on me hands out here, not bein’ in the town, like.” “Look, I’ll tell you what: I’ll just—” “They’re queuing up for McMurty in the town but that’s only ’cos he’s in the town and not out here in the cawntry like me…I couldn’t guarantee that ye wouldn’t have a wait on yer hands there, too. He could say he’d have it for yeh this evenin’, then ye could go back this evenin’ and he’d tell ye a different story altogether. He’s like that, ye see. And at the end of the day he’d charge ye more, ’cos as I say, he’s got bigger overheads than me…” Bessie realized it was pointless trying to interrupt. She was put in mind of her old refrigerator. It, too, had a habit of droning on in similar fashion. A swift kick in the right spot usually sorted it out. However, in this case such a tactic might prove highly inadvisable. She’d simply have to endure it. Let the mechanic say his piece. He’d peter out eventually. “…but it’s a free cawntry and it’s up tae you. As I say, I’ll do it for ye as soon as Willie-Tom opens the morra…couldn’t say fairer than that. I would of done it for ye today if Willie-Tom’s mother hadn’t skidded on that mat. But a body never knows from one day till the next what’s gonna happen. So it’s up tae you what ye want tae do.” “Look, I’ll just risk it then,” the widow said, not

Mr. Hazlit, won’t you please, please help me find my reticule? It is one of my dearest possessions. I feel horrid for having lost track of it, and I’m too embarrassed to prevail upon anybody else but you to aid me in my hour of need.” She turned her best swain-slaying gaze on him in the moonlight, the look Val had told her never to use on his friends. For good measure, she let a little sincerity into her eyes, because she’d spoken nothing but the truth. “God help me.” Hazlit scrubbed a hand over his face. “Stick to quoting the law with me, please. I might have a prayer of retaining my wits.” She dropped the pleading expression. “You’ll keep our bargain, then?” “I will make an attempt to find this little purse of yours, but there are no guarantees in my work, Miss Windham. Let’s put a limit on the investigation—say, four weeks. If I haven’t found the thing by then, I’ll refund half your money.” “You needn’t.” She rose, relieved to have her business concluded. “I can spare it, and this is important to me.” “Where are you going?” He rose, as well, as manners required. But Maggie had the sense he was also just too… primordial to let a woman go off on her own in the moonlight. “I’m going back to the ballroom. We’ve been out here quite long enough, unless you’re again trying to wiggle out of your obligations?” “No need to be nasty.” He came closer and winged his arm at her. “We’ve had our bit of air, but you’ve yet to tell me anything that would aid me in attaining your goal. What does this reticule look like? Who has seen you with it? Where did you acquire it? When did you last have it?” “All of that?” “That and more if it’s so precious to you,” he said, leading her back toward the more-traveled paths. “That is just a start. I will want to establish who had access to the thing, what valuables it contained, and who might have been motivated to steal it.” “Steal?” She went still, dropping his arm, for this possibility honestly hadn’t occurred to her. She realized, as he replaced her hand on his arm, that she’d held the thought of theft away from her awareness, an unacknowledged fear. “You think somebody would steal a little pin money? People are hung for stealing a few coins, Mr. Hazlit, and transported on those awful ships, and… you think it was a thief?” “You clearly do not.” She was going to let him know in no uncertain terms that no, she could not have been victimized by a thief. She was too careful, too smart. She’d hired only staff with the best references, she seldom had visitors, and such a thing was utterly… “I did not reach that conclusion. I don’t want to.” Voices

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Debtors’ prisons were ultimately abandoned because, despite their cruelty, they neither deterred the accumulation of new bad debts nor helped creditors get their money back. For capitalism to advance in the nineteenth century, the absurd notion that all debts are sacred had to be ditched and replaced with the notion of limited liability. After all, if all debts are guaranteed, why should lenders lend responsibly? And why should some debts carry a higher interest rate than other debts, reflecting the higher risk of going bad? Bankruptcy and debt write-downs became for capitalism what hell had always been for Christian dogma – unpleasant yet essential – but curiously bankruptcy-denial was revived in the twenty-first century to deal with the Greek state’s insolvency.

Chapter 51 In Atlanta, the day had gone mostly as Elliott had expected. The stock market crash had rattled everyone. It was a cloud that hung over the euphoria of Black Friday. The most difficult part of his plan had been convincing the other five families to pool their money with his for the purchases, which together added up to hundreds of thousands of dollars. They had begun by renting two twenty-six-foot U-Haul trucks. They drove them to Costco and filled them with survival necessities. It was mostly food; Elliott planned to be near a freshwater source if worst came to worst. Next, they purchased two high-end RVs. The price was exorbitant, but they carried a thirty-day money-back guarantee, and they only had to make a down payment—the remainder was financed. Elliott had assured his neighbors that within thirty days, they would either be incredibly glad to have the two homes on wheels—or they’d have their money back. Now he sat in his study, watching the news, waiting for the event he believed would come. He hoped he was wrong. DAY 7 900,000,000 Infected 180,000 Dead

What’sa matter? You afraid I’ll get too friendly if I find out you’ve been pleasurin’ Comanches?” Struggling to stay calm, she said, “You’re a smart man. I heard you and your men talking. You were hired to rescue captives, not abuse them. Touch one of us, and it’ll be the mistake of your life. We haven’t been pleasuring anyone. And if we end up pleasuring you, I guarantee you’ll hang for it.” He didn’t bluff easily. Running his fingers under the string of rawhide that encircled her neck, he lifted Hunter’s medallion from under her blouse and studied the carved stone. “Appears to me like you hooked up with a chief, honey.” He smiled and returned the medallion to its former resting place, trailing his fingers under her blouse, his eyes holding hers. Her skin crawled where his grimy knuckles touched. “A Comanche don’t wear a wolf sign unless he’s somebody important. The wolf is sacred to ’em, their brother. No woman would have a medallion like that unless her man marked her with it.” “No filthy Injun has put his hands on me,” Loretta retorted. The words ached in her throat, making her feel disloyal to Hunter. What if he was out there, hiding, listening? “One of the warriors put the medallion on me before he left on a hunting trip. Since it seemed to prevent the others from touching me or my little cousin, I continued to wear it.” He grinned and rocked back on his heels. “Where you from?” “A farm along the Brazos.” “Fort Belknap anyplace close?” “Within a few hours’ ride.” Loretta sat up and glanced over her shoulder, praying Amy was all right. “Is that where you’ll take us?” “I reckon so. Unless somethin’ happens to you along the trail. That’d be a shame, wouldn’t it? But then, dead women, they don’t tell stories.” “Neither do they bring reward money.

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Most opportunities never announce themselves with trumpets and confetti. They’re easily missed, mistaken, or squandered. They can be scary. And they never come with a 110% money-back guarantee. They’re often nothing more than chances to improve on something other people are already doing. Opportunities are whispers, not foghorns.

What is one of the best or most worthwhile investments you’ve ever made? Investing in Cobra back in the early ’90s. My $ 1.8 million investment earned me $ 40 million after the company was bought by Acushnet. I rolled that money back into my business. The decision was a no-brainer for three reasons: My investment got me 12 percent of Cobra and the allocation of my investment was put to R& D. During this era, Callaway was the first to go to market with an oversize driver but neglected to follow up on oversize irons. We/ Cobra decided to attack this virgin market immediately by producing oversize irons for men and women, and we catered for the senior player, which had been left neglected. This decision was a solid rocket booster for Cobra’s massive growth in the marketplace. I was to remain an endorsed player representing Cobra for years to come, receiving an annual payment that would quickly recoup my initial investment. So, my ROI was always guaranteed, leaving me with 12 percent of a company that had hyper growth. I was the #1 player in the world during these halcyon times—a global player. So, fortunately for us, I was a needle-mover in regards to exposure in a sport that was booming in the ’80s, hence product promotion and awareness.

If you want to make money, you can't afford to make excuses

Sustainable success can only happen on purpose

What gets measured gets better

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Differentiation in an existing market can take one of three forms. You can describe differences in product attributes (faster, cheaper, less filling, 30% more), in distribution channel (pizza in 30 minutes, home delivery, see your nearest dealer, build it yourself on the Web), or in service (five-year, 50,000-mile warranty; 90-day money-back guarantee; lifetime warranty).

Later, as banks began to improve their balance sheets, several attempted to pay back their government loans. The Obama administration refused to accept the money, on the grounds that banks would first have to pass a “stress test.” Of course the “stress test” was simply a way for the government to maintain control of those banks. So if banks gained by getting free money, and the government gained by extending control over the financial sector, who lost? The taxpayer! The taxpayer was the sucker in this whole transaction. His money stood guarantee for the depositors and investors and bank officials who had taken risks and made bad loans and were now facing crippling losses. Instead of them suffering, the taxpayer suffered. And who raided the Treasury and stuck the taxpayer with this bill that was not the taxpayer’s bill to pay? The very federal government that is responsible for managing the Treasury and protecting the revenues provided by the taxpayer.

By offering a reward, a principal signals to the agent that the task is undesirable. (If the task were desirable, the agent wouldn’t need a prod.) But that initial signal, and the reward that goes with it, forces the principal onto a path that’s difficult to leave. Offer too small a reward and the agent won’t comply. But offer a reward that’s enticing enough to get the agent to act the first time, and the principal “is doomed to give it again in the second.” There’s no going back. Pay your son to take out the trash—and you’ve pretty much guaranteed the kid will never do it again for free. What’s more, once the initial money buzz tapers off, you’ll likely have to increase the payment to continue compliance.

Industry Guarantee Real estate I'll sell your home. Or give you $1,000 cash. Restaurant You'll love our food. Or the next meal is free. Sports therapist We'll stop your pain. Or we'll visit your home and provide a free follow-up session. Dog-walking service We'll be there on time, every time. Or you get a $50 bag of dog food free. Florist Free box of chocolates if our flowers ever disappoint you. Computer repair We'll fix it right. Or repair it free and give you $100 cash. Retail store Double your money back if you find it cheaper elsewhere.

In my line of work, there are no money-back guarantees, because there's no money involved. These are people, not vacuum cleaners.

Everett stalked back to his desk and then pointed to a chair that was bolted to the floor opposite him. “Mr. Mulberry, you don’t believe that’s an acceptable way of asking me to take a seat, do you?” A stabbing of a finger to the chair once more was his only reply. Taking a second to fasten herself back into the cork jacket, even as an odd and somewhat inappropriate sense of amusement settled over her, Millie walked over to the indicated chair and took a seat. Placing her hands demurely in her lap, she watched as Everett lowered into his own chair. Thrusting a hand through hair that was distinctly untidy, he caught her eye. “Was there a reason behind your interrupting my reading?” “I’m sure there was, but that reason escapes me at the moment.” She sat forward. “What are you reading?” Everett’s face turned a little red as he snatched the book off the desk and stuffed it into a drawer. Millie leaned back in the chair. “Very well, since you don’t seem to want to exchange the expected pleasantries, let us move on to what I’ve suddenly recalled I wanted to speak with you about. We need to discuss the children and the part you need to play in their lives, as well as discuss how you’re going to go about telling Miss Dixon it would be a horrible idea for you to send the children away to a boarding school.” Opening the drawer, Everett yanked out the book he’d just stashed away, and pushed it Millie’s way. “I think I’d rather discuss this.” Picking up the book, she looked at the title. “You’re reading Pride and Prejudice?” “I am, but don’t tell anyone. It could ruin my reputation as a manly gentleman.” The amusement that was still bubbling through her increased. “I doubt that, but tell me, what do you think about the story so far?” “I think it’s unfortunate that Lizzy is not better connected, because she would be perfect for Mr. Darcy if she came from money.” Millie shoved the book back at him as every ounce of amusement disappeared in a flash. “You don’t believe that Mr. Darcy might be just a tad too prideful since he believes he’s superior to Lizzy?” “He’s one of the richest men in England,” Everett said, returning the book to the drawer and giving it a somewhat longing look before he caught Millie’s eye. “Of course he’s superior to Lizzy.” Fighting the impulse to tell him he was a bit of an idiot, because that was a guaranteed way of getting dismissed, Millie forced a smile. “Perhaps it would be best to continue this discussion after you finish the book. But, tell me, why in the world are you reading a romance novel?” “I needed something to keep me occupied while evading Abigail and her meddling ways, and since you spoke so highly of Jane Austen, I thought I’d give her a try.” “You’re reading it because I enjoy Jane Austen?” “Well, yes. You also mentioned you enjoy Frankenstein, but I couldn’t find a copy of that in my library, so I decided I’d read a book of Jane’s instead.” Pleasure

Charles Koch himself committed $1.5 million on the spot, but with strings attached, keeping him in control. As Mellor recalled, “He said, ‘Here’s what I’m going to do. I’ll give you up to $500,000 a year for three years, each year, but you have to come back each year and demonstrate that you’ve met these milestones that you’ve set out to accomplish and I will evaluate it on a yearly basis, and there’s no guarantees.’ ” The legal group, the Institute for Justice, went on to bring numerous successful cases against government regulations, including campaign-finance laws, several of which reached the Supreme Court.

Russia was not waiting for rapprochement with the United States. They could see that Trump’s chaotic White House was creating numerous financial opportunities worldwide, and they were going to scoop them up. On December 5, 2018, the Middle East and North Africa representative for the Russian state atomic energy company Rosatom went to Riyadh to meet with MBS. Its representative, Alexander Voronkov, said Russia would supply Generation 3+ VVER-1220 reactors for the kingdom, which he said were the most advanced ones Russia offered.26 It’s worth noting here that in 1994 Russia built the first nuclear reactor in Iran, also a VVER model. The reactors in Bushehr nuclear station were to be the same VVER-1220 as those Russia promised to Saudi Arabia.27 Even more interesting, Russian arms exporter Rosobornexport, a sanctioned arms company, sold S-300 air defense systems to Iran to protect Iran’s reactors, and one could imagine this could be part of the package to Saudi Arabia as well.28 The Russians were brilliantly offering regional parity and stability to both Iran and Saudi Arabia if the reactors were bought. It came with a tacit guarantee neither side could attack the other since they would have the same air defense system. On January 22, 2019, the International Atomic Energy Agency (IAEA) delivered a report on what Saudi Arabia needed to do to stay within international norms if it pursued a nuclear power program. Mikhail Chudakov, a former head of Russian nuclear programs and IAEA deputy director, delivered the report that gave the kingdom the green light to move forward.29 The following day, the kingdom received offers from five nations for construction of the project: the United States, Russia, France, South Korea, and China.30 The Saudis originally wanted sixteen reactors but have scaled that back to two as part of a larger effort to diversify its energy grid.31 The “tilt” seems to be toward the Russians, with the Russian IAEA official paving the way and the Rosatom folks working over the royal family. Like their arms sales, the Russians promised a fairly cheap but stable deal that comes with massive long-term costs. But it was Team Trump that started this game, trying to cheat, abuse ethics, and lie its way into potentially gaining billions of Arab sheikdom money under the guise of a major foreign policy initiative. In the end, they got played by Russia, who knew corruption at a master-class level. Trump was a piker. And Russia ate America’s lunch… again.

Ideally, pursue all three ways of varying the market, with the target customers in mind: ★ increasing the benefits that really matter to the target market; ★ creating new benefits that will appeal strongly to the target market; and ★ subtracting benefits that are unimportant to the target market. Betfair ★ dramatically increased value for money in the betting market; ★ provided the new benefits of being able to bet against outcomes, being able to trade bets and guaranteeing that winning accounts would not be closed; and ★ subtracted the ability to bet in retail premises or at the track, or to bet and collect winnings in cash. Betfair’s target market is big gamblers: professionals and serious enthusiasts. The change in profile between what betting exchanges offered and what the main market offered was ideally suited to the target market. ★ Getting great value is essential if a gambler is to win. It is very difficult to win if the bookmaker takes out 20 per cent on each event. If a betting exchange takes out only 1 per cent, a serious gambler has to be only slightly more than 1 per cent more accurate than the market and he will win. ★ It is much easier to bet against an outcome and win than it is to specify the winner. (If there are eight horses in a race and the gambler has a strong view against the favourite, he can back against that horse without knowing which of the other seven will win.) Big gamblers are much more likely to bet against events than small gamblers. Big gamblers are also skilful in trading bets, which can be a risk-free way of making money. Finally, big gamblers are the only people whose accounts are regularly closed down by bookmakers. ★ Big gamblers do not frequent off-track betting shops and are more than happy to bet online and by phone, and to receive payment by bank transfer.

When eBay entered the Chinese market in 2002, they did so by buying the leading Chinese online auction site—not Alibaba but an eBay impersonator called EachNet. The marriage created the ultimate power couple: the top global e-commerce site and China’s number one knockoff. eBay proceeded to strip away the Chinese company’s user interface, rebuilding the site in eBay’s global product image. Company leadership brought in international managers for the new China operations, who directed all traffic through eBay’s servers back in the United States. But the new user interface didn’t match Chinese web-surfing habits, the new leadership didn’t understand Chinese domestic markets, and the trans-Pacific routing of traffic slowed page-loading times. At one point an earthquake under the Pacific Ocean severed key cables and knocked the site offline for a few days. Meanwhile, Alibaba founder Jack Ma was busy copying eBay’s core functions and adapting the business model to Chinese realities. He began by creating an auction-style platform, Taobao, to directly compete with eBay’s core business. From there, Ma’s team continually tweaked Taobao’s functions and tacked on features to meet unique Chinese needs. His strongest localization plays were in payment and revenue models. To overcome a deficit of user trust in online purchases, Ma created Alipay, a payment tool that would hold money from purchases in escrow until the buyer confirmed the receipt of goods. Taobao also added instant messaging functions to allow buyers and sellers to communicate on the platform in real time. These business innovations helped Taobao claw away market share from eBay, whose global product mentality and deep centralization of decision-making power in Silicon Valley made it slow to react and add features. But Ma’s greatest weapon was his deployment of a “freemium” revenue model, the practice of keeping basic functions free while charging for premium services. At the time, eBay charged sellers a fee just to list their products, another fee when the products were sold, and a final fee if eBay-owned PayPal was used for payment. Conventional wisdom held that auction sites or e-commerce marketplace sites needed to do this in order to guarantee steady revenue streams.

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By offering a reward, a principal signals to the agent that the task is undesirable. (If the task were desirable, the agent wouldn’t need a prod.) But that initial signal, and the reward that goes with it, forces the principal onto a path that’s difficult to leave. Offer too small a reward and the agent won’t comply. But offer a reward that’s enticing enough to get the agent to act the first time, and the principal “is doomed to give it again in the second.” There’s no going back. Pay your son to take out the trash—and you’ve pretty much guaranteed the kid will never do it again for free. What’s more, once the initial money buzz tapers off, you’ll likely have to increase the payment to continue compliance

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The lender knows they’ll get paid back no matter what happens to the student borrower, barring the political risk of government default or a refusal to honor the debts owed to the banks and other buyers of student loan backed bonds. Regardless of whether the borrower finishes school, drops out, fails out, gets a job or not, the tax payer will be on the hook at the full 5-7% interest rate paid on these student loan backed bonds. Why? Because the government guaranteed the loan and the government has no money. The government guarantee is a guarantee that tax payers will be on the hook for any defaults.

One of the simplest ways to strengthen a headline is attachment of a Flag. The Flag is brief, as brief as a single word, stuck on the front of the headline, to reach out and grab the attention of certain specific prospects, by telegraphing that the message is specifically for them. This puts the “who is this for?” ahead of what is being advertised and sold. Here are examples of successful generic headlines with different kinds of flags attached. Headlines Before Attaching Flags Corns Gone in 5 Days or Money Back Guaranteed Weight Loss Up to 15 Pounds First 15 Days — With No Exercise How to Have Eager Prospects Calling and Begging for Next-Day Appointments 28 Days to Healthier Gums Headlines After Adding a Who-Is-This-For? Flag Waiters and Waitresses on Your Feet for Hours: Corns Gone In 5 Days or Money Back Disappointed Dieters: Guaranteed Weight Loss Up to 15 Pounds First 15 Days — with No Exercise Annuity Agents: How to Have Eager Prospects Calling and Begging for Next-Day Appointments Seniors: 28 Days to Healthier Gums Another form of flagging is to focus on the “ill to be cured” or “problem to be solved.” This is usually best done by posing a question, as in these examples: Same Headlines After Adding a Problem Flag Foot Pain? Corns Gone in 5 Days or Money Back Embarrassing Belly Bulge? Guaranteed Weight Loss Up to 15 Pounds First 15 Days — with No Exercise No One to Sell to? How to Have Eager Prospects Calling and Begging for Next-Day Appointments Blood on Your Toothbrush? 28 Days to Healthier Gums

There is no other investment that combines (1) absolute assurance of principal and interest payments, (2) the right to demand full “money back” at any time, and (3) guarantee of at least a 5% interest rate for at least ten years.