Options Pricing Quotes

People never know what they are capable of until all other options run out.

Falling apart wasn't an option.

Thirty years on, femininity is still compulsory for women—and has become an option for men—while genuine femaleness remains grotesque to the point of obscenity. Meanwhile, the price of the small advances we have made towards sexual equality has been the denial of femaleness as any kind of a distinguishing character.

It is never late, you can start the movement now, the provisions have been made, the price has been paid and the gifts have been packaged. Are you willing to change?

Growing old is the price you pay for living. Growing up is optional. Be true to yourself - don't let people turn you into something you're not.

Freedom is messy. In free societies, people will fall through the cracks--drink too much, eat too much, buy unaffordable homes, fail to make prudent provision for health care, and much else. But the price of being relieved of all those tiresome choices by a benign paternal government is far too high. Big Government is the small option: it's the guarantee of smaller freedom, smaller homes, smaller cars, smaller opportunities, smaller lives.

keeping options open seems to extract a psychological price. When we can change our minds, apparently we do less psychological work to justify the decision we’ve made, reinforcing the chosen alternative and disparaging the rejected ones.

I consider it completely irresponsible that public schools offer sex education but no systematic guidance to adolescent girls, who should be thinking about how they want to structure their future lives: do they want children, and if so, when should that be scheduled, with the advantages and disadvantages of each option laid out. Because of the stubborn biological burden of pregnancy and childbirth, these are issues that will always affect women more profoundly than men. Starting a family early has its price for an ambitions young woman, a career hiatus that may be difficult to overcome. On the other hand, the reward of being with one's children in their formative years, instead of farming out that fleeting and irreplaceable experience to day care centres or nannies, has an inherent emotional and perhaps spiritual value that has been lamentable ignored by second-wave feminism.

I so wish life also had the option of undo making it easier to deal with things you erred. I would have gone back in time to undo every mistake of mine, for which I have paid a very heavy price.

Does everything have a father? Apparently so. A web search on “the father of” turned up fathers for vasectomy reversal, hillbilly jazz, lichenology, snowmobiling, modern librarianship, Japanese whiskey, hypnosis, Pakistan, natural hair care products, the lobotomy, women’s boxing, Modern Option Pricing Theory, the swamp buggy, Pennsylvania ornithology, Wisconsin bluegrass, tornado research, Fen-Phen, modern dairying, Canada’s permissive society, black power, and the yellow schoolbus.

the paradox of choice.” Most people don’t want more options; they just want what they want. When overwhelmed by choice, we tend to fall into behavioral patterns used by those whom Schwartz calls “optimizers”—people paralyzed by the fear that if they only waited a little while longer or searched a little harder, they could find what they think they want at the best possible price.

Adding the second option creates a conflict, forcing a trade-off between price and quality.

Avoid the Yes or No-and-Go scenario.Give more than one option for others to do business with you. Include packages or pricing options.

Every little thing in life comes with a price: while you're obliged to pay, objection is not an option.

The longer-term the option, the sillier the results generated by the Black-Scholes option pricing model, and the greater the opportunity for people who didn't use it.

Farmers facing lower prices have only one option if they want to be able to maintain their standard of living, pay their bills, and service their debt, and that is to produce more [corn]

To eat in a monastery refectory is an exercise in humility; daily, one is reminded to put communal necessity before individual preference. While consumer culture speaks only to preferences, treating even whims as needs to be granted (and the sooner the better), monastics sense that this pandering to delusions of self-importance weakens the true self, and diminishes our ability to distinguish desires from needs. It's a price they're not willing to pay.

One of the many signs of verbal virtuosity among intellectuals is the repackaging of words to mean things that are not only different from, but sometimes the direct opposite of, their original meanings. 'Freedom' and 'power' are among the most common of these repackaged words. The basic concept of freedom as not being subjected to other people's restrictions, and of power as the ability to restrict other people's options have both been stood on their heads in some of the repackaging of these words by intellectuals discussing economic issues. Thus business enterprises who expand the public's options, either quantitatively (through lower prices) or qualitatively (through better products) are often spoken of as 'controlling' the market, whenever this results in a high percentage of consumers choosing to purchase their particular products rather than the competing products of other enterprises. In other words, when consumers decide that particular brands of products are either cheaper or better than competing brands of those products, third parties take it upon themselves to depict those who produced these particular brands as having exercised 'power' or 'control.' If, at a given time, three-quarters of the consumers prefer to buy the Acme brand of widgets to any other brand, then Acme Inc. will be said to 'control' three-quarters of the market, even though consumers control 100 percent of the market, since they can switch to another brand of widgets tomorrow if someone else comes up with a better widget, or stop buying widgets altogether if a new product comes along that makes widgets obsolete. ....by saying that businesses have 'power' because they have 'control' of their markets, this verbal virtuosity opens the way to saying that government needs to exercise its 'countervailing power' (John Kenneth Galbraith's phrase) in order to protect the public. Despite the verbal parallels, government power is in fact power, since individuals do not have a free choice as to whether or not to obey government laws and regulations, while consumers are free to ignore the products marketed by even the biggest and supposedly most 'powerful' corporations in the world.

I hit Crash's button and we heard the phone inside start to ring. After four, he answered. "Hey, PsyPig." His voice was husky. "I'd normally tell you not to call me at this ungodly hour, but evidently someone's running a cockfghting ring in the hall, so I wasn't actually asleep...." "It's me. Open up." He was actually silent for a second. "Aren't /you/ butch?" "Don't fuck around. I need to see Miss Mattie." "Okay, okay, don't get your handcuffs in a twist. I can't find my pants." I wondered if he could say the word "pants" without making something dirty out of it. "Unless, of course, this visit is clothing-optional." And there it was. I rolled my eyes, even though he couldn't see me since the door was still shut.

ECONOMIC RULES OF THE DYSFUNCTIONAL MEDICAL MARKET More treatment is always better. Default to the most expensive option. A lifetime of treatment is preferable to a cure. Amenities and marketing matter more than good care. As technologies age, prices can rise rather than fall. There is no free choice. Patients are stuck. And they’re stuck buying American. More competitors vying for business doesn’t mean better prices; it can drive prices up, not down. Economies of scale don’t translate to lower prices. With their market power, big providers can simply demand more. There is no such thing as a fixed price for a procedure or test. And the uninsured pay the highest prices of all. There are no standards for billing. There’s money to be made in billing for anything and everything. Prices will rise to whatever the market will bear.

I know you have options." "And those options will be taken away the second I marry. I will be beholden to my husband." "But you will be wealthy." "Is that what you'd choose? Bondage over freedom for the right price?" He flicks his long hair out of his eyes. "Bondage is hardly the right word." How about prostitution, then?" "Excuse me?" " That's what I'd be trading. Sex for money." "That's not-" "Isn't it?" I ask, cutting him off. "Men need heirs to pass on their titles. That's why they take wives. Else they'd be content with mistresses forever. A wife is but an object, a vessel for his progeny.

finance was to become a public utility, situated in the public domain or at least alongside a public banking option. Instead, the past century’s expansion of predatory credit has been reinforced by de-taxing interest, land rent, financial speculation, debt leveraging and “capital” (asset-price) gains.

Restating Kierkegaard, the cultural historian Louis Menand noted, “Anxiety is the price tag on human freedom.”2 Kierkegaard believed that we are free to choose our future actions, and this defines who we are.3 But modern science has concluded that our freedom is often more illusory than we think.4 Regardless of how free our will really is, though, the fact that we believe it is free makes us anxious when we perceive that we do not actually have control, when we face risky options in situations of uncertainty, or when we ruminate over how the present and future might be different if we had acted differently in the past.

grief is optional in this lifetime. Yes, it’s true. You don’t have to experience grief, but you can only avoid it by avoiding love. Love and grief are inextricably intertwined. As Erich Fromm says, “To spare oneself from grief at all costs can be achieved only at the price of total detachment, which excludes the ability

The roots of the slasher movie stretch back to Alfred Hitchcock’s Psycho (1960), based on Robert Bloch’s book of the same name. While Bloch stated many times that his book was based on the real-life crimes of Ed Gein, far more clippings were found in his files regarding Wisconsin’s infamous children’s entertainer and serial poisoner, Floyd Scriltch. When Hitchcock purchased the rights to Bloch’s book, he also optioned the life rights from the sole survivor of Scriltch’s infamous “Easter Bunny Massacre,” Amanda Cohen. Cohen was instrumental in the detection and capture of Scriltch and paid a heavy price for her bravery. This book is dedicated to her memory.

There is a big difference between repeat business and loyalty. Repeat business is when people do business with you multiple times. Loyalty is when people are willing to turn down a better product or a better price to continue doing business with you. Loyal customers often don’t even bother to research the competition or entertain other options. Loyalty is not easily won. Repeat business, however, is. All it takes is more manipulations.

But what we don’t realize is that, far from being frivolous or selfish, the pursuit of fun will help us achieve all of these goals. Life is not a zero-sum equation: we can care about fun and be conscientious citizens who are committed to improving the world—indeed, fun can give us more energy with which to do so. And if we want our own lives to be satisfying and joyful, True Fun isn’t optional. It shouldn’t be an afterthought. It should be our guiding star.

There was a knock on the bedroom door. “Matt?” Fuck. “Nope. Silence. “Would you be the owner of the leather pants?” “Yep.” She paused briefly. “I’m going to pass these through the door. You have exactly thirty seconds to pull them on, make yourself presentable and get your ass out here.” “Do I have any other options?” “Only if Matt’s got a window.” He looked at the window longingly. The thirty-six-story drop with no fire escape might be less painful, but he decided there was no avoiding it. “Understood.

Though women have struggled successfully to achieve increased social and career options, they may have had to pay an exacting price in the process: excruciating life decisions about career, families, and children; strains on their relationships with their children and husband; the stress resulting from making and living with these decisions; and confusion about who they are and who they want to be. From this perspective, it is understandable that women should be more closely associated with BPD, a disorder in which identity and role confusion are such central components.

If you are going to use probability to model a financial market, then you had better use the right kind of probability. Real markets are wild. Their price fluctuations can be hair-raising-far greater and more damaging than the mild variations of orthodox finance. That means that individual stocks and currencies are riskier than normally assumed. It means that stock portfolios are being put together incorrectly; far from managing risk, they may be magnifying it. It means that some trading strategies are misguided, and options mis-priced. Anywhere the bell-curve assumption enters the financial calculations, an error can come out.

Bipasha: I thought you were a soldier, not a businessman. Lag: I’m in business to resolve disputes, and there are no good military options without profits. The non-military options without profits are even worse. No profits mean few good options for anyone. Harbin: As I’ve tried to tell you many times, we fight when it’s the low-cost solution for us, and we make others not fight by making it their high-cost solution. Bipasha: That’s a weird way of looking at it. Helton: Everyone trades in lives. Soldiers are just more obvious about it. Wages trade money for a part of a person’s lifetime. The price tag is just a measure of the portion.

One can hardly fault China for seizing on a great bargain, but for Zambia, the auctioning off of its most lucrative economic resources at fire-sale prices constituted another big stroke of bad national luck. Copper prices were still depressed and the government’s state of near bankruptcy at the time meant that Zambia had little negotiating power. Edith Nawakwi, who was the Zambian finance minister at the time of the sale, said that the country was pressured by its more traditional partners to accept this pittance. “We were told by advisers, who included the International Monetary Fund and the World Bank, that … for the next twenty years, Zambian copper would not make a profit. [Conversely, if we privatized] we would be able to access debt relief, and this was a huge carrot in front of us—like waving medicine in front of a dying woman. We had no option [but to go ahead].” The

If we are serious about moving toward a saner housing future, the options in terms of federal policy are relatively clear: we can prevent land from being subject to market forces, either through government ownership of land (housing projects) or through heavy regulation (rent or land-price control), or we can prevent the ever-increasing value of land from displacing people (programs such as Section 8 vouchers would fall in this category of solution). Instead, we do almost nothing and hope the market works it out. Without major new regulations, we can expect what's happening in San Francisco to continue in virtually all major US cities. In the same way that the suburbs were once inaccessible to the poor, in the near future American cities will become gilded jewel boxes, and the exodus of the poor to the suburbs will continue unchecked - that is, until the rent gaps in cities become too small to make gentrification profitable, and a new form of spatial filtering begins.

...I shall let [Anne] Wallace put the case herself, at what I think is necessary length: 'As travel in general becomes physically easier, faster, and less expensive, more people want and are able to arrive at more destinations with less unpleasant awareness of their travel process. At the same time the availability of an increasing range of options in conveyance, speed, price, and so forth actually encouraged comparisons of these different modes...and so an increasingly positive awareness of process that even permitted semi-nostalgic glances back at the bad old days...Then, too, although local insularity was more and more threatened...people also quite literally became more accustomed to travel and travellers, less fearful of 'foreign' ways, so that they gradually became able to regard travel as an acceptable recreation. Finally, as speeds increased and costs decreased, it simply ceased to be true that the mass of people were confined to that circle of a day's walk: they could afford both the time and the money to travel by various means and for purely recreational purposes...And as walking became a matter of choice, it became a possible positive choice: since the common person need not necessarily be poor. Thus, as awareness of process became regarded as advantageous, 'economic necessity' became only one possible reading (although still sometimes a correct one) in a field of peripatetic meanings that included 'aesthetic choice'.' It sounds a persuasive case. It is certainly possible that something like the shift in consciousness that Wallace describes may have taken place by the 'end' (as conventionally conceived) of the Romantic period, and influenced the spread of pedestrianism in the 1820s and 1830s; even more likely that such a shift was instrumental in shaping the attitudes of Victorian writing in the railway age, and helped generate the apostolic fervour with which writers like Leslie Stephen and Robert Louis Stevenson treated the walking tour. But it fails to account for the rise of pedestrianism as I have narrated it.

Yes, that’s the one. Aaron, I want you to acquire the company tomorrow. Start low, but I want you to end up offering at least fifteen million for it. Actually, how many partners are there?” “I see two registered partners. Michael Teo and Adrian Balakrishnan.” “Okay, bid thirty million.” “Charlie, you can’t be serious? The book value on that company is only—” “No, I’m dead serious,” Charlie cut in. “Start a fake bidding war between some of our subsidiaries if you have to. Now listen carefully. After the deal is done, I want you to vest Michael Teo, the founding partner, with class-A stock options, then I want you to bundle it with that Cupertino start-up we acquired last month and the software developer in Zhongguancun. Then, I want us to do an IPO on the Shanghai Stock Exchange next month.” “Next month?” “Yes, it has to happen very quickly. Put the word out on the street, let your contacts at Bloomberg TV know about it, hell, drop a hint to Henry Blodget if you think it will help drive up the share price. But at the end of the day I want those class-A stock options to be worth at least $250 million. Keep it off the books, and set up a shell corporation in Liechtenstein if you have to. Just make sure there are no links back to me. Never, ever.

Decouplers often trip up on this step in two ways. First, they are overly generic in articulating the CVC. When mapping the process of buying a car, auto executives tend to describe it as: feel the need to buy car > become aware of a car brand > develop an interest in the brand > visit the dealer > purchase the car. This is a start, but it is not specific enough. Decouplers must ask: When do people actually need a new car? How exactly do people become aware of car brands? How do people become interested in a make or model? And so on. The generic process of awareness, interest, desire, and purchase isn’t specific enough to help. Decouplers also flounder by failing to identify all the relevant stages in the value chain. For the car-buying process, a better description of the CVC might be: become aware that your car lease will expire in one month > feel the need to purchase a new car > develop a heightened interest in car ads > visit car manufacturers’ websites > create a set of two or three brands of interest > visit third-party auto websites > compare options of cars in the same category > choose a model > shop online for the best price > visit the nearest dealer to see if they have the model in stock > see if they can beat the best online price > test-drive the cars > decide about financing, warranty, and other add-ons > negotiate a final price > sign the contract > pick up the car > use it > wait for the lease to expire again. With this far more detailed CVC, we can fully appreciate the complexity of the car-buying

Another plan, to march on Alexander’s court nearly four hundred miles away in St Petersburg itself, was proposed, but Berthier and Bessières quickly convinced Napoleon on logistical grounds ‘that he had neither time, provisions, roads, nor a single requisite for so extensive an expedition’.32 Instead they discussed marching south nearly 100 miles to Kaluga and Tula, the granary and arsenal of Russia respectively, or retreating to Smolensk. Napoleon eventually chose what turned out to be the worst possible option: to return to the Kremlin, which had survived the fire, on September 18 to wait to see whether Alexander would agree to end the war. ‘I ought not to have stayed in Moscow more than two weeks at the utmost,’ Napoleon said later, ‘but I was deceived from day to day.’33 This was untrue. Alexander didn’t deceive Napoleon into thinking he was interested in peace; he simply refused to reply either positively or negatively. Nor was Napoleon self-deceived; the burning of Moscow confirmed him in his belief that there was no hope of peace, even though he would probably have accepted as little as Russia’s return to the Continental System as the price.34 The reason he stayed in Moscow for so long was that he thought he had plenty of time before he needed to get his army back to winter quarters in Smolensk, and he preferred to live off the enemy’s resources. On September 18, Napoleon distributed 50,000 plundered rubles to Muscovites who had lost their houses and he visited an orphanage, dispelling the widespread rumour that he was going to eat its inhabitants.35 ‘Moscow was a very beautiful city,’ he wrote to Maret, using the past tense. ‘It will take Russia two hundred years to recover from the loss which she has sustained.

Dear Net-Mail User [ EweR-635-78-2267-3 aSp]: Your mailbox has just been rifled by EmilyPost, an autonomous courtesy-worm chain program released in October 2036 by an anonymous group of net subscribers in western Alaska. [ ref: sequestered confession 592864-2376298.98634, deposited with Bank Leumi 10/23/36:20:34:21. Expiration-disclosure 10 years.] Under the civil disobedience sections of the Charter of Rio, we accept in advance the fines and penalties that will come due when our confession is released in 2046. However we feel that’s a small price to pay for the message brought to you by EmilyPost. In brief, dear friend, you are not a very polite person. EmilyPost’s syntax analysis subroutines show that a very high fraction of your Net exchanges are heated, vituperative, even obscene. Of course you enjoy free speech. But EmilyPost has been designed by people who are concerned about the recent trend toward excessive nastiness in some parts of the Net. EmilyPost homes in on folks like you and begins by asking them to please consider the advantages of politeness. For one thing, your credibility ratings would rise. (EmilyPost has checked your favorite bulletin boards, and finds your ratings aren’t high at all. Nobody is listening to you, sir!) Moreover, consider that courtesy can foster calm reason, turning shrill antagonism into useful debate and even consensus. We suggest introducing an automatic delay to your mail system. Communications are so fast these days, people seldom stop and think. Some Net users act like mental patients who shout out anything that comes to mind, rather than as functioning citizens with the human gift of tact. If you wish, you may use one of the public-domain delay programs included in this version of EmilyPost, free of charge. Of course, should you insist on continuing as before, disseminating nastiness in all directions, we have equipped EmilyPost with other options you’ll soon find out about…

Homeostasis is necessary for life. It provides a stable home base, a resting place from which the body can respond to the surrounding world. . . In the service of homeostasis, addiction acts upon the human spirit like gravity upon a planetary body, seeking to hold it within a stable orbit against the planet’s own centrifugal striving for the stars. In this way, our most natural addictions safeguard the essentials of life. They are part of love, but they are pure function, unadulterated efficiency, nothing but inhibition. For the spirit seeking freedom of love, as for the planet seeking the stars, the gravity of addiction is a painful price to pay for safety. If homeostasis were the end of things, that end would surely be Sheol: stagnation and death. With no stretching, reaching, opening, or yearning to counteract our gravity, we would collapse in upon ourselves like stars becoming black holes. Often we do try to choose that option. We choose safety over freedom; we entrench ourselves in inertia. We dull and occupy ourselves so completely that we stifle our desire, anesthetize our yearning, restrict the energy of our passion. This does not remove us from the ongoing birth of creation, but it deadens us to it. . . We all opt for safety on occasion . . . Most of us choose it more than we would like to admit. Some of us choose it continually. . . . Love does not permit homeostasis to be the end of things. If we so choose, whatever stability we have can be the source of endless beginnings. Our equilibrium can be gestation rather than stagnation. Homeostasis can be the place where we wake up to our yearnings, however painful, and claim them as our own. . . We can say yes to the invitation of love and begin to open up and reach out again. Each time we say yes we upset our stability. We sacrifice our serenity. We risk our safety. We become vulnerable to being hurt. And creation shines more brightly. . . Each human yes contributes a priceless breath of freedom to the endlessly birthing universe.

Internet subscription for $59—seemed reasonable. The second option—the $125 print subscription—seemed a bit expensive, but still reasonable. But then I read the third option: a print and Internet subscription for $125. I read it twice before my eye ran back to the previous options. Who would want to buy the print option alone, I wondered, when both the Internet and the print subscriptions were offered for the same price? Now, the print-only option may have been a typographical error, but I suspect that the clever people at the Economist's London offices (and they are clever—and quite mischievous in a British sort of way) were actually manipulating me. I am pretty certain that they wanted me to skip the Internet-only option (which they assumed would be my choice, since I was reading the advertisement on the Web) and jump to the more expensive option: Internet and print. But how could they manipulate me? I suspect it's because the Economist's marketing wizards (and I could just picture them in their school ties and blazers) knew something important about human behavior: humans rarely choose things in absolute terms. We don't have an internal value meter that tells us how much things are worth. Rather, we focus on the relative advantage of one thing over another, and estimate value accordingly. (For instance, we don't know how much a six-cylinder car is worth, but we can assume it's more expensive than the four-cylinder model.) In the case of the Economist, I may not have known whether the Internet-only subscription at $59 was a better deal than the print-only option at $125. But I certainly knew that the print-and-Internet option for $125 was better than the print-only option at $125. In fact, you could reasonably deduce that in the combination package, the Internet subscription is free! “It's a bloody steal—go for it, governor!” I could almost hear them shout from the riverbanks of the Thames. And I have to admit, if I had been inclined to subscribe I probably would have taken the package deal myself. (Later, when I tested the offer on a large number of participants, the vast majority preferred the Internet-and-print deal.)

Trouble free payday loans. A payday loan is your remedy to an immediate have to have for money. A payday loans seems to be rather attractive. If you have a job, you can actually get a payday loan. Occasionally, consumers without having profession can get a payday loan. It is actually not straightforward to modify your spending budget without the need of a loan. You will find a lot of payday loan suppliers. Individuals also give payday loans. Typically, the rate of interest will be the most important aspect of any payday loan. You ought to usually be in a position to pay back the quantity borrowed. A payday loan can be fantastic after you possess a job or else it can be a disaster. You will have dollars deposited within your bank’s saving account around the exact same day. High rates of interest on a loan is usually Pikavippikioski.fi particularly difficult to manage. Payday loans can be a superb quick option but not a long-term solution. You will obtain the money inside your savings or present account. There is an arrangement for direct deduction out of your income created into the account. This can be a approach that may be set to run automatically and also you do not have to accomplish something. It's essential to understand that a payday loan is known as a short-term loan only. You have to spend a larger price of interest on a payday loan. Many people without having a job would need to supply some other safety of repayment. If you have bad credit, a payday loan may be the only answer. You often require a very good credit rating to get a loan. Of all loans, a payday loan will be the most effective and least complicated way for you to get money swiftly. Occasionally folks take out extra than one payday loan. If you usually do not spend the amount on time, the interest begins to add up seriously. It can be important that you just understand almost everything about a payday loan. What takes place when the time comes for trying to repay the loan? Some nations take into account a payday loan as terrible for the individual. The majority of people in no way look at a payday loan from every single angle. You can not acquire plenty of cash if you have pretty small revenue. The interest plus the principal on a payday loan can add up incredibly promptly. The perfect point to perform is pay the interest in addition to a small on the principal quantity each week. A payday loan is anything to assist you more than your immediate complications. You may have seen that banks take a while to agree a loan. In most cases, the interest is normally deducted just before the deposit is produced. The more rapidly you repay the principal amount the much better it is for you, as you have to pay much less as interest. It is best to never ever go in for any payday loan anytime you'll need money. Payday loan corporations are bobbing up all more than the nation. One can find nations exactly where it really is illegal; to charge such high interest rates. The concept behind a payday loan is always to tide you over your immediate issues. A payday loan really should by no means become the norm but it should be an exception. You could have to spend a price in exorbitant rates of interest if you usually do not pay up in time. A payday loan is beneficial for immediate payment of bills.

Another reason people continue to hurt themselves and others emotionally is that they don’t want to stop. This sounds ludicrous, but it is unfortunately true. The ego in them doesn’t want to stop, even while the goodness in them does. When the ego has the upper hand, it does some terrible things. The ego takes pleasure in doing hurtful things if it believes those things will give it the upper hand, exact revenge, or obtain power or something else it wants. The ego feels justified in having negative feelings; after all, it created that justification with its stories. As a result, it sees its feelings and actions as worth any trouble they create. Because the ego feels entitled to its feelings, it takes a kind of righteous pleasure in being awful. It also doesn’t see any other option. What the ego overlooks is the price that is paid, not only in bad karma and ill will from others, but also internally—to one’s self-esteem. With every negative emotion the ego nurses inside or expresses hurtfully, it digs itself deeper and deeper into a hole of hate, self-loathing, and worthlessness. When people behave badly, is it any wonder they don’t feel good about themselves?

Carlton Church: Australia in Doubt on Building Nuclear Plant With the continuous trend of nuclear proliferation, the nuclear-free Australia is in critical dilemma on whether to start the industry in the country or not. On one end of the coin, the negative effects of nuclear generation will surely cause skepticisms and complaints. On the other side, nuclear fuel industry is worth exploring. Prime Minister Malcolm Turnbull has been reserved when it comes to nuclear talks but he did admit that “Australia should ‘look closely’ at expanding its role in the global nuclear energy industry, including leasing fuel rods to other countries and then storing the waste afterwards”. South Australian Premier Jay Weatherill set up a royal commission in March to undertake an independent investigation into the state’s participation in the nuclear fuel cycle. Carlton Church International, non-profit organization campaigning against nuclear use, says there is no need for Australia to venture into nuclear turmoil as they already have an extensive, low cost coal and natural gas reserves. Other critics has also seconded this motion as it is known that even Turnbull has pointed out that the country has plentiful access to coal, gas, wind and solar sources. During an interview, he also stated, “I’m not talking about the politics. We’ve got so much other affordable sources of energy, not just fossil fuel like coal and gas but also wind, solar. The ability to store energy is getting better all the time, and that’s very important for intermittent sources of energy, particularly wind and solar. But playing that part in the nuclear fuel cycle I think is something that is worth looking at closely”. A survey was also conducted among random people and a lot of them have been reluctant about the nuclear issue. Some fear that the Fukushima Daichii Incident would happen, knowing the extent of the damage it has caused even to those living in Tokyo, Japan. Another review also stated, “We only have to look at the Fukushima disaster in Japan to be reminded of the health, social and economic impacts of a nuclear accident, and to see that this is not a safe option for Australians.” According to further studies by analysts, 25 nuclear reactors can be built around Australia producing a third of the country’s electricity by 2050. But it also found nuclear power would be much more expensive to produce than coal-fired power if a price was not put on carbon dioxide emissions. Greenpeace dismissed nuclear power as “an expensive distraction from the real solutions to climate change, like solar and wind power”. - See more at: carltonchurchreview.blogspot

To fit into the Golden Straitjacket a country must either adopt, or be seen as moving toward, the following golden rules: making the private sector the primary engine of its economic growth, maintaining a low rate of inflation and price stability, shrinking the size of its state bureaucracy, maintaining as close to a balanced budget as possible, if not a surplus, eliminating and lowering tariffs on imported goods, removing restrictions on foreign investment, getting rid of quotas and domestic monopolies, increasing exports, privatizing state-owned industries and utilities, deregulating capital markets, making its currency convertible, opening its industries, stock and bond markets to direct foreign ownership and investment, deregulating its economy to promote as much domestic competition as possible, eliminating government corruption, subsidies and kickbacks as much as possible, opening its banking and telecommunications systems to private ownership and competition and allowing its citizens to choose from an array of competing pension options and foreign-run pension and mutual funds. When you stitch all of these pieces together you have the Golden Straitjacket. . . . As your country puts on the Golden Straitjacket, two things tend to happen: your economy grows and your politics shrinks. That is, on the economic front the Golden Straitjacket usually fosters more growth and higher average incomes—through more trade, foreign investment, privatization and more efficient use of resources under the pressure of global competition. But on the political front, the Golden Straitjacket narrows the political and economic policy choices of those in power to relatively tight parameters. . . . Governments—be they led by Democrats or Republicans, Conservatives or Labourites, Gaullists or Socialists, Christian Democrats or Social Democrats—that deviate too far from the core rules will see their investors stampede away, interest rates rise and stock market valuations fall.36

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Most contemporary option plans have provisions whereby all granted options fully vest immediately prior to an acquisition should the plan and/or options underneath the plan not be assumed by the buyer. While this clearly benefits the option holders and helps incentivize the employees of the seller who hold options, it does have an impact on the seller and the buyer. In the case of the seller, it will effectively allocate a portion of the purchase price to the option holders. In the case of the buyer, it will create a situation in which there is no forward incentive for the employees to stick around since their option value is fully vested and paid at the time of the acquisition, resulting in the buyer having to come up with additional incentive packages to retain employees on a going-forward basis. Many lawyers will advise in favor of a fully vesting option plan because it forces the buyer to assume the option plan, because if it did not, then the option holders would immediately become shareholders of the combined entities. Under the general notion that fewer shareholders are better, this acceleration provision motivates buyers to assume option plans. This theory holds true only if there is a large number of option holders. In the past few years we've seen cases where

Today a Kafir (infidel, non-Muslim believer) living in an Islamic nation can avoid death and physical persecution at the hands of Muslims by paying a Jizyah (poll) tax, annually. However, Muslim Last Day literature provides that once Jesus returns to earth the Jizyah tax will no longer be available, leaving only two options for Christians and Jews: become a Muslim or be decapitated.

In response to current events, people often reach for historical analogies, and this occasion was no exception. The trick is to choose the right analogy. In August 2007, the analogies that came to mind—both inside and outside the Fed—were October 1987, when the Dow Jones industrial average had plummeted nearly 23 percent in a single day, and August 1998, when the Dow had fallen 11.5 percent over three days after Russia defaulted on its foreign debts. With help from the Fed, markets had rebounded each time with little evident damage to the economy. Not everyone viewed these interventions as successful, though. In fact, some viewed the Fed’s actions in the fall of 1998—three quarter-point reductions in the federal funds rate—as an overreaction that helped fuel the growing dot-com bubble. Others derided what they perceived to be a tendency of the Fed to respond too strongly to price declines in stocks and other financial assets, which they dubbed the “Greenspan put.” (A put is an options contract that protects the buyer against loss if the price of a stock or other security declines.) Newspaper opinion columns in August 2007 were rife with speculation that Helicopter Ben would provide a similar put soon. In arguing against Fed intervention, many commentators asserted that investors had grown complacent and needed to be taught a lesson. The cure to the current mess, this line of thinking went, was a repricing of risk, meaning a painful reduction in asset prices—from stocks to bonds to mortgage-linked securities. “Credit panics are never pretty, but their virtue is that they restore some fear and humility to the marketplace,” the Wall Street Journal had editorialized, in arguing for no rate cut at the August 7 FOMC meeting.

Here you start by selecting a barrier. If you bet “Touch” and the price of the asset “touches” (meaning it is equal to or passes through) that barrier at any time up until expiration you win. Or select “No Touch” and you win if the price of the asset never touches the barrier until expiration time.

Various companies manufacture drain cleaning chemicals at affordable price and these chemicals are better option for small blockages as they only eat away at a small percentage of the blockage.

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The prognosis for an officer with a traumatic physical injury is improved by early intervention due to personnel who are increasingly more skilled during each step in the process. The same situation applies to psychological injuries. Officers who receive the best psychological care the soonest are those who have the greatest long-term improvements (Artwohl & Christensen, 1997). Immediate intervention at the scene is vital, followed by more advanced care to ensure stability and to determine the next phase of appropriate assistance. Then finally, definitive care to put things back in order to manage the long-term effects of psychological injuries. Officers facing a traumatic stress injury resulting from a single incident, or officers reaching a breaking point from cumulative strain are in desperate need of some basic psychological first aid. This initial intervention commonly falls to the first responding unit or supervisor to arrive and find an officer in need. Nationwide most law enforcement officers lack the understanding to provide traumatic field care for psychological injury. While officers are trained with multiple options on how to deal with members of the public who have been traumatized as the victim of a crime, those in law enforcement rarely discuss how to take care of each other. The goal of the immediate response is to limit the chances of a temporary injury becoming a longer lasting wound in need of more serious care. On-scene psychological intervention is consistent with the model used when initially dealing with a physical injury, such as a gunshot wound in the field. One-on-one intervention should last no more than a half hour and result in the officer being assured his/her physical and mental responses are normal and they are not alone (Kates, 1999). This initial intervention will be rudimentary in nature, but, if handled properly, it sets the groundwork for all future interventions.

If bankruptcy were on a level playing field, CEOs would not be permitted to sock away generous executive pay out of the reach of a bankruptcy judge. If enforcement of these building blocks were not tilted toward CEOs, presumably the Securities and Exchange Commission would bar CEOs from pumping up share prices through buybacks and then cashing in their options, as the SEC once did. Moreover, CEO pay in excess of $1 million would not be deductible, even if linked to performance. If all the building blocks were not tilted toward large corporations, these companies would not be earning the substantial profits that have allowed their top executives to earn princely sums to begin with.

Around the turn of the century Amazon was caught up in a controversy about “differential pricing.” Essentially this means that an online site might charge you more for given items than it charges other people, like your neighbors.2 Amazon stated at the time that it was not really discrimination, but experimentation. It was offering different prices to different people to see what they would pay. There is nothing special about Amazon in this regard. Another example is the travel site Orbitz, which was found to be directing users of more expensive computers to more expensive travel options.3 Who could be surprised? It is natural for a business to take

You’re going to have to extract yourself from the business,” he said. “You’re going to have to bring up your management team, give them more responsibility, coach them more, and let them run the operation.” Pagano didn’t argue. He knew Anderson was right. Sale price aside, the number of potential acquirers, and thus Pagano’s own exit options, would be severely limited as long as he was essential to the company’s operation. He had to remake the business so that it could run without him if he wanted to improve his chances of getting a deal he’d be happy with.

The hallmark of originality is rejecting the default and exploring whether a better option exists. I’ve spent more than a decade studying this, and it turns out to be far less difficult than I expected. The starting point is curiosity: pondering why the default exists in the first place. We’re driven to question defaults when we experience vuja de, the opposite of déjà vu. Déjà vu occurs when we encounter something new, but it feels as if we’ve seen it before. Vuja de is the reverse—we face something familiar, but we see it with a fresh perspective that enables us to gain new insights into old problems. Without a vuja de event, Warby Parker wouldn’t have existed. When the founders were sitting in the computer lab on the night they conjured up the company, they had spent a combined sixty years wearing glasses. The product had always been unreasonably expensive. But until that moment, they had taken the status quo for granted, never questioning the default price. “The thought had never crossed my mind,” cofounder Dave Gilboa says. “I had always considered them a medical purchase. I naturally assumed that if a doctor was selling it to me, there was some justification for the price.” Having recently waited in line at the Apple Store to buy an iPhone, he found himself comparing the two products. Glasses had been a staple of human life for nearly a thousand years, and they’d hardly changed since his grandfather wore them. For the first time, Dave wondered why glasses had such a hefty price tag. Why did such a fundamentally simple product cost more than a complex smartphone? Anyone could have asked those questions and arrived at the same answer that the Warby Parker squad did. Once they became curious about why the price was so steep, they began doing some research on the eyewear industry. That’s when they learned that it was dominated by Luxottica, a European company that had raked in over $7 billion the previous year. “Understanding that the same company owned LensCrafters and Pearle Vision, Ray-Ban and Oakley, and the licenses for Chanel and Prada prescription frames and sunglasses—all of a sudden, it made sense to me why glasses were so expensive,” Dave says. “Nothing in the cost of goods justified the price.” Taking advantage of its monopoly status, Luxottica was charging twenty times the cost. The default wasn’t inherently legitimate; it was a choice made by a group of people at a given company. And this meant that another group of people could make an alternative choice. “We could do things differently,” Dave suddenly understood. “It was a realization that we could control our own destiny, that we could control our own prices.” When we become curious about the dissatisfying defaults in our world, we begin to recognize that most of them have social origins: Rules and systems were created by people. And that awareness gives us the courage to contemplate how we can change them. Before women gained the right to vote in America, many “had never before considered their degraded status as anything but natural,” historian Jean Baker observes. As the suffrage movement gained momentum, “a growing number of women were beginning to see that custom, religious precept, and law were in fact man-made and therefore reversible.

Sticking with the $2 trillion infrastructure proposal, MMT would have us begin by asking if it would be safe for Congress to authorize $2 trillion in new spending without offsets. A careful analysis of the economy’s existing (and anticipated) slack would guide lawmakers in making that determination. If the CBO and other independent analysts concluded it would risk pushing inflation above some desired inflation rate, then lawmakers could begin to assemble a menu of options to identify the most effective ways to mitigate that risk. Perhaps one-third, one-half, or three-fourths of the spending would need to be offset. It’s also possible that none would require offsets. Or perhaps the economy is so close to its full employment potential that PAYGO is the right policy. The point is, Congress should work backward to arrive at the answer rather than beginning with the presumption that every new dollar of spending needs to be fully offset. That helps to protect us from unwarranted tax increases and undesired inflation. It also ensures that there is always a check on any new spending. The best way to fight inflation is before it happens. In one sense, we have gotten lucky. Congress routinely makes large fiscal commitments without pausing to evaluate inflation risks. It can add hundreds of billions of dollars to the defense budget or pass tax cuts that add trillions to the fiscal deficit over time, and for the most part, we come out unscathed—at least in terms of inflation. That’s because there’s normally enough slack to absorb bigger deficits. Although excess capacity has served as a sort of insurance policy against a Congress that ignores inflation risk, maintaining idle resources comes at a price. It depresses our collective well-being by depriving us of the array of things we could have enjoyed if we had put our resources to good use. MMT aims to change that. MMT is about harnessing the power of the public purse to build an economy that lives up to its full potential while maintaining appropriate checks on that power. No one would think of Spider-Man as a superhero if he refused to use his powers to protect and serve. With great power comes great responsibility. The power of the purse belongs to all of us. It is wielded by democratically elected members of Congress, but we should think of it as a power that exists to serve us all. Overspending is an abuse of power, but so is refusing to act when more can be done to elevate the human condition without risking inflation.

Government rules permit and encourage a vicious cycle. To the extent that pensions are not fully funded, that their true costs are not paid each year, it means that corporate profits are inflated. Inflated profits mean that share prices for company stock are inflated, because they should represent the profitability of companies. And inflated stock prices mean, in turn, that executives cash in their options for more than they should get.

The much-ballyhooed Internet of Things (what is a smart bin? In my day that was a dog) will see a surge in demand for rare metals, forcing up their price. Combine that with the invention of the brain-computer interface and there will be times when the spare capacity of human consciousness will be a cheaper option for processing and storage. For a nutritious bowl of soup we’ll be plugged in, with a thousand others, running algorithms to more precisely push a new wonder mop to lonely housewives idly googling through a Valium comedown.

There was now an accounting convention in the United States that, provided employees were first given options, required that when easily marketable stock was issued to employees at a below-market price, the bargain element for the employees, although roughly equivalent to cash, could not count as compensation expense in determining a company's reported profits. This amazingly peculiar accounting convention had been selected by the accounting profession, over the objection of some of its wisest and most ethical members, because corporate managers, by and large, preferred that their gains from exercising options covering their employers' stock not be counted as expense in determining their employers' earnings. The accounting profession, in making its amazingly peculiar decision, had simply followed the injunction so often followed by persons quite different from prosperous, entrenched accountants. The injunction was that normally followed by insecure and powerless people: "Whose bread I eat, his song I sing.

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Buybacks: How the Game Works Imagine a company – let’s call it FinEng Corp – with sales of $1 billion and a 5 per cent profit margin. The $50 million of profits are taxed at a 30 per cent rate. The company has 500 million shares outstanding and shareholders’ equity of $500 million. The shares trade at 15 times earnings. The corporate incentive plan provides senior executives with 50 million stock options, which strike at the current market price. At this point, FinEng has no

Ever since the Industrial Revolution, [Thomas Hylland Eriksen] said, our economies have been built around a new and radical idea - economic growth. This is the belief that every year, the economy - and each individual company in it - should get bigger and bigger. That's how we now define success. If a country's economy grows, its politicians are likely to get reelected. ...If a country or a company's share price shrinks, politicians or CEOs face a greater risk of being booted out. Economic growth is the central organising principle of our society. It is at the heart of how we see the world. Thomas explained that growth can happen in one of two ways. The first is that a corporation can find new markets - by inventing something new, or exporting something to a part of the world that doesn't have it yet. The second is that a corporation can persuade existing consumers to consume more. If you can get people to eat more, or to sleep less, then you have found a source of economic growth. Mostly, he believes, we achieve growth today primarily through this second option. Corporations are constantly finding ways to cram more stuff into the same amount of time. To give one example: they want you to watch TV and follow the show on social media. Then you see twice as many ads. This inevitably speeds up life. If the economy has to grow every year, in the absence of new markets it has to get you and me to do more in the same amount of time. As I read Thomas' work more deeply, I realised this is one of the crucial reasons why life has accelerated every decade since the 1880s: we are living in an economic machine that requires greater speed to keep going - and that inevitably degrades our attention over time. If fact, when I reflected on it, this need for economic growth seemed to be the underlying force that was driving so many of the causes of poor attention that I had learned about - our increasing stress, our swelling work hours, our more invasive technologies, our lack of sleep, our bad diets.

But for any particular set of options, a more monolithic program would take less space. It's rather like a car; if the map light, cigarette lighter, and clock are priced together as a single option, the package will cost less than if one can choose each separately.

Successful long-term investors like Warren Buffett know that bear markets are buying opportunities.

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select between two options, adding a third irrelevant option—a decoy—they are more likely to buy the high-priced item of the original two.

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Option pricing in financial markets offers a case in point. The Black-Scholes theory—a widely used mathematical frame to price options—pushed option prices toward the prices the frame predicted, leading financial institutions to promote the frame’s application, which in turn brought the prices even closer to the frame’s predictions. There is a self-fulfilling dimension to this: often the more a frame is used, the more it validates its use (up to a point).

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There was a watered-down version in the Senate Health and Education Committee bill, requiring any government-run insurer to charge the same rates as private insurers, but of course that would have defeated the whole purpose of a public option. My team and I thought a possible compromise might involve offering a public option only in those parts of the country where there were too few insurers to provide real competition and a public entity could help drive down premium prices overall. But even that was too much for the more conservative members of the Democratic caucus to swallow, including Joe Lieberman of Connecticut, who announced shortly before Thanksgiving that under no circumstances would he vote for a package that contained a public option. When word got out that the public option had been removed from the Senate bill, activists on the left went ballistic.

Now here’s the important part. Like the car, you have a few options: You can pay this price, accepting volatility and upheaval. Or you can find an asset with less uncertainty and a lower payoff, the equivalent of a used car. Or you can attempt the equivalent of grand-theft auto: Try to get the return while avoiding the volatility that comes along with it.

I hate fighting. I’m sensitive and, frankly, not good at it. If the consequence of bickering online means I’ve got to spend the afternoon feeling bad because a kid I don’t remember from high school called me a “fat-ass Kelly Price” over a Reductress article, please murder me. And if my tweets get on your goddamn nerves: BLOCK ME FIRST. Kill me with your powerful brain! There are too many places in real life where blocking is not a viable option to tolerate someone ruining your secret lives online. You can’t block the coworker who won’t stop fucking talking while loitering nearby as you’re just trying to put half-and-half in your breakroom coffee, but you can block that friend of a friend who says shit like, “I’m not prejudiced, I don’t care if a person is purple or green or blue.” LMAO, blue people???? SHUT THE FUCK UP. You can’t delete the neighbor whose eyesore of a car is parked halfway across your driveway and whose cat keeps shitting on your deck, but you can delete your cousin who earnestly believes that rap music is reverse racism and vehemently comments as much on every Kendrick Lamar video you share. There’s no mute button for the woman at the grocery store who won’t stop asking you where the shampoo is, even though you’re pushing your

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The closer we pay attention to the options we’re given,” he writes, “the more we’ll notice when they don’t actually align with our true needs.

Life doesn’t have to provide you any options at all. It can easily define your course from the outset and keep you in check through all manner of rough and subtle mechanics. To have even one year when you’re presented with choices that can alter your circumstances, your character, your course—that’s by the grace of God alone. And it shouldn’t come without a price. I love Val.

the data was plotted on mathematical diagrams that I invented. These revealed favorable situations and let me quickly specify the appropriate trades. Each day’s closing prices for a convertible and its stock were plotted as a color-coded dot on that particular convertible’s diagram. The diagrams were prepared with curves that were drawn by a computer from my formula and showed the “fair price” of the convertible. The beauty of this was that I could immediately see from the picture whether we had a profitable trading opportunity. If the dot representing the data was above the curve it meant the convertible was overpriced, leading to a possible hedge: Short the convertible, buy the stock. A data point close to or on the curve indicated the price was fair, which meant liquidate an existing position, do not enter a new one. Below the curve meant buy the convertible, short the stock. The distance of the dot from the curve showed me how much profit was available. If we thought it met our target, we tried to put on the trade the next day. The slope of the curve near the data point on my diagram gave me the hedge ratio, which is the number of shares of common stock to use versus each convertible bond, share of preferred, warrant, or option.

I decided to make a price pact with myself. After making time in my timeboxed schedule, I taped a crisp hundred-dollar bill to the calendar on my wall, next to the date of my upcoming workout. Then I bought a ninety-nine-cent lighter and placed it nearby. Every day, I had a choice to make: I would either burn the calories by exercising or burn the hundred-dollar bill. Unless I was certifiably sick, those were the only two options I allowed myself. Any time I found myself coming up with petty excuses, I had a crystal clear external trigger that reminded me of the precommitment I made to myself and to my health. I know what you’re thinking: “That’s too extreme! You can’t burn money like that!” That’s exactly my point. I’ve used this “burn or burn” technique for over three years and have gained twelve pounds of muscle, without ever burning the hundred dollars.

Again, here’s the standard definition: A derivative is a financial instrument whose value is linked to, or derived from, some other security, such as a stock or bond. For example, you could buy IBM stock; alternatively, you could buy a “call option” on IBM stock, which gives you the right to buy IBM stock at a certain time and price. A call option is a derivative because the value of the call option is “derived” from the value of the underlying IBM stock. If the price of IBM stock goes up, the value of the call option goes up, and vice versa. Most

An option is the right to buy or sell something in the future. The right to buy is a “call option” the right to sell is a “put option.” So if you knew several new Corvettes would be arriving at a car dealership in a month, you might pay the dealer $1,000 now to reserve a Corvette for you to buy at a certain price, say $40,000. When the cars arrived, you would have a call option—the right but not the obligation—to buy one for $40,000. Because you owned a call option, you would want the price of new Corvettes to increase: if the price increased to $50,000 your option to buy a Corvette for $40,000 would be worth about $10,000. Also, with a call option, your downside is limited. If the price were to drop to $30,000, you could simply let the dealer keep your $1,000 (called the option premium) and buy the Corvette for the lower price.

The other type of derivative—a “forward”—is an obligation to buy or sell something in the future. This obligation is called a future if it’s traded on an exchange, but the concept is the same. Suppose you knew you wanted to buy a new Corvette, but you didn’t want to pay $1,000 for an option. Instead, you could enter into a forward obligation to purchase the Corvette for $40,000 in a month. When the new Corvettes arrived, you would be obligated to buy one for $40,000 even if the actual price were lower. As with a call option, you would want the price to increase. But with a forward, your downside is no longer limited, so you especially wouldn’t want the price to drop. Even if the Corvette’s price were to drop to $30,000, you still would have to buy it for $40,000. Despite this downside risk, there’s at least one good reason to buy a forward instead of an option—you would save the $1,000 option premium.

decided to make a price pact with myself. After making time in my timeboxed schedule, I taped a crisp hundred-dollar bill to the calendar on my wall, next to the date of my upcoming workout. Then I bought a ninety-nine-cent lighter and placed it nearby. Every day, I had a choice to make: I would either burn the calories by exercising or burn the hundred-dollar bill. Unless I was certifiably sick, those were the only two options I allowed myself. Any time I found myself coming up with petty excuses, I had a crystal clear external trigger that reminded me of the precommitment I made to myself and to my health. I know what you’re thinking: “That’s too extreme! You can’t burn money like that!” That’s exactly my point. I’ve used this “burn or burn” technique for over three years and have gained twelve pounds of muscle, without ever burning the hundred dollars.

Best Budget Travel Destinations Ever Are you looking for a cheap flight this year? Travel + Leisure received a list of the most affordable locations this year from one of the top travel search engines in the world, Kayak. Kayak then considered the top 100 locations with the most affordable average flight prices, excluding outliers due to things like travel restrictions and security issues. To save a lot of money, go against the grain. Mexico Unsurprisingly, Mexico is at the top of the list of the cheapest places to travel in 2022. The United States has long been seen as an accessible and affordable vacation destination; low-cost direct flights are common. San José del Cabo (in Baja California Sur), Puerto Vallarta, and Cancun are the three destinations within Mexico with the least expensive flights, with January being the most economical month to visit each. Fortunately, January is a glorious month in each of these beachside locales, with warm, balmy weather and an abundance of vibrant hues, textures, and flavors to chase away the winter blues. Looking for a city vacation rather than a beach vacation? Mexico City, which boasts a diverse collection of museums and a rich Aztec heritage, is another accessible option in the country. May is the cheapest month to travel there. Chicago, Illinois Who wants to go to Chicago in the winter? Once you learn about all the things to do in this Midwest winter wonderland and the savings you can get in January, you'll be convinced. At Maggie Daley Park, spend the afternoon ice skating before warming up with some deep-dish pizza. Colombia Colombia's fascinating history, vibrant culture, and mouthwatering cuisine make it a popular travel destination. It is also inexpensive compared to what many Americans are used to paying for items like a fresh arepa and a cup of Colombian coffee. The cheapest month of the year to fly to Bogotá, the capital city, is February. The Bogota Botanical Garden, founded in 1955 and home to almost 20,000 plants, is meticulously maintained, and despite the region's chilly climate, strolling through it is not difficult. The entrance fee is just over $1 USD. In January, travel to the port city of Cartagena on the country's Caribbean coast. The majority of visitors discover that exploring the charming streets on foot is sufficient to make their stay enjoyable. Tennessee's Music City There's a reason why bachelorette parties and reunions of all kinds are so popular in Music City: it's easy to have fun without spending a fortune. There is no fee to visit a mural, hot chicken costs only a few dollars, and Honky Tonk Highway is lined with free live music venues. The cheapest month to book is January. New York City, New York Even though New York City isn't known for being a cheap vacation destination, you'll find the best deals if you go in January. Even though the city never sleeps, the cold winter months are the best time for you to visit and take advantage of the lower demand for flights and hotel rooms. In addition, New York City offers a wide variety of free activities. Canada Not only does our neighbor Mexico provide excellent deals, but the majority of Americans can easily fly to Canada for an affordable getaway. In Montréal, Quebec, you must try the steamé, which is the city's interpretation of a hot dog and is served steamed in a side-loading bun (which is also steamed). It's the perfect meal to eat in the middle of February when travel costs are at their lowest. Best of all, hot dogs are inexpensive and delicious as well as filling. The most affordable month to visit Toronto, Ontario is February. Even though the weather may make you wary, the annual Toronto Light Festival, which is completely free, is held in February in the charming and historic Distillery District. Another excellent choice at this time is the $5 Bentway Skate Trail under the Gardiner Expressway overpass.

Keith was sophisticated enough to understand the inherent risk of options; buying options wasn't as dangerous as short selling, because your potential for loss was capped, because you could always let the options expire. You paid a fee for the right to buy a certain number of shares of a stock at a certain price by a certain date. Sold in 100-share blocks, the fee was based on demand, which related to where people thought the stock price was going. Because the fee you paid for those 100-share blocks was a fraction of the pegged price, you could leverage yourself into a very large position with a relatively small amount of money. If the price went up, you could make a lot; if it went down, your options were worthless, but you only lost what you initially paid. A full 80 percent of the options bought by retail traders like him expired worthless; but when you only had a little to work with, there was no better way to shoot for the moon. Fifty-three thousand dollars was a lot, considering he had a two-year-old, a house, a wife. It was as much money as his dad earned in a year when he was younger. But Keith was that sure, even when the stock was hovering around $5 a share, that he had found value that others had missed.

Thayer also said that clinic workers were trained to persuade pregnant mothers, especially hesitant ones, that abortion was their only option: If they’d say, “I’m not able to pay [my bill] today,” then we would say something like, “Well, if you can’t pay $10 today, how are you going to take care of a baby? Have you priced diapers? Do you know how much it costs to buy a car seat? Where would you go for help? There’s no place in Storm Lake (or whatever town they were in), you know, where you can get help as a pregnant mom. So really, don’t you think your smartest choice is termination?

Oscar Wilde: “Many people know the price of everything but the value of nothing.

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Our souls weren't made to live without acceptance, without a home. But sin takes us to places we were never meant to go. And since living with rejection isn't an option, we must find acceptance at any price. When our souls lose home, we set out to build a new home.

Sure, WFO allows to use different price curves for training and for testing. However, you will usually choose your strategy just because of their positive WFO test. This means that the 'out-of-sample' price data in the test period are not so out of sample anymore, since they were used for selecting the best strategy.

With so many options available at affordable prices, you’re sure to find a purrfectly stylish cat themed shirt that fits your personality and taste.

Hundreds of years ago in ancient Japan, Japanese farmers began using options to protect the price of their rice crops.

When the trend of the market is down, the sophisticated investor will use put options not only to make money, but also to protect the value of her stock in case prices begin to fall.

if the price of the investor’s stock is $50 per share, a sophisticated investor may have a call option placed at $52 per share and a put option in place at $48 per share.

If the stock’s market price is at $42 and the investor has a put option, which is the option to sell a stock at $48, that option suddenly becomes very valuable—in some cases, much more valuable than the stock itself.

There are sophisticated investors who will straddle a short by buying a call option for $51. If the trend did turn up and the stock price went to $60, the investor would pay $51 per share instead of $60 a share, again minimizing their exposure.

How many tales have you heard—or lived through—in which Jane and John Homebuyer couldn’t pull the trigger on their dream house only to see the price go up when another bidder entered the game? Of greater concern, though, is the conflict sparked by the glut of investment options available today.

It didn’t take long to find some willing partners. We set down the specifications, and Sean talked to all the manufacturers who said they could fulfill our requests. We narrowed it down to two quality options, and then we choose the one with the best price and the best communication. Sean ordered the prototype, had it embossed with our brand logo—Zen Active—and in no time at all, we unrolled our first yoga mat on the floor in Sean’s house. That was our yoga mat. It was our product, with our specifications, with our logo, in Sean’s house, ready for sale. And all it took was one website and a lot of groundwork asking questions. Now, I’m not saying we got the product totally right on our first try. We made some mistakes, and we made adjustments to improve the product over time, but the basics of taking an idea and making it a ready-for-market product really is this simple. All you have to do is find the suppliers, do the research, make the tweaks, and find the best offer out there. Find