Payment Best Quotes

I saw the best minds of my generation destroyed by payment plans

A man called Ali is in need of money and asks his boss to help him. His Boss sets him a challenge: if he can spend all night at the top of a mountain, he will receive a great reward; if he fails, he will have to work for free. When he left the shop, Ali noticed that an icy wind was blowing. He felt afraid and decided to ask his best friend, Aydi, if he thought he was mad to accept the wager. After considering the matter for a moment Aydi answered, " Don't worry, I'll help you. Tomorrow night, when you're sitting on top of the mountain, look straight ahead. I'll be on top of the mountain opposite, where I'll keep a fire burning all night for you. Look at the fire and think of our friendship, and that will keep you warm. You'll make it through the night, and afterward, I'll ask you for something in return. Ali won the wager, got the money, and went to his friend's house. "you said you wanted some sort of payment in return." Aydi said, "Yes, but it isn't money. Promise that if ever a cold wind blows through my life, you will light the fire of friendship for me

I generally find,' Clent murmured after a pause, 'that it is best to treat borrowed time the same way as borrowed money. Spend it with panache, and try to be somewhere else when it runs out.' 'And when we get found, Mr. Clent, when the creditors and bailiffs come after us and it's payment time...' '...then we borrow more, madam, at a higher interest. We embark on a wilder gamble, make a bigger promise, tell a braver story, devise a more intricate lie, sell the hides of imaginary dragons to desperate men, climb to even higher and more precarious ground...and later, of course, our fall and catastrophe will be all the worse, but later will be our watchword, Mosca. We have nothing else - but we can at least make later later.

The only dream I ever had was the dream of New York itself, and for me, from the minute I touched down in this city, that was enough. It became the best teacher I ever had. If your mother is anything like mine, after all, there are a lot of important things she probably didn't teach you: how to use a vibrator; how to go to a loan shark and pull a loan at 17 percent that's due in thirty days; how to hire your first divorce attorney; what to look for in a doula (a birth coach) should you find yourself alone and pregnant. My mother never taught me how to date three people at the same time or how to interview a nanny or what to wear in an ashram in India or how to meditate. She also failed to mention crotchless underwear, how to make my first down payment on an apartment, the benefits of renting verses owning, and the difference between a slant-6 engine and a V-8 (in case I wanted to get a muscle car), not to mention how to employ a team of people to help me with my life, from trainers to hair colorists to nutritionists to shrinks. (Luckily, New York became one of many other moms I am to have in my lifetime.) So many mothers say they want their daughters to be independent, but what they really hope is that they'll find a well-compensated banker or lawyer and settle down between the ages of twenty-five and twenty-eight in Greenwich, Darien, or That Town, USA, to raise babies, do the grocery shopping, and work out in relative comfort for the rest of their lives. I know this because I employ their daughters. They raise us to think they want us to have careers, and they send us to college, but even they don't really believe women can be autonomous and take care of themselves.

The Friend of Your Youth is the only friend you will ever have, for he does not really see you. He sees in his mind a face that does not exist anymore, speaks a name – Spike, Bud, Snip, Red, Rusty, Jack, Dave – which belongs to that now nonexistent face but which by some inane doddering confusion of the universe is for the moment attached to a not happily met and boring stranger. But he humors the drooling doddering confusion of the universe and continues to address politely that dull stranger by the name which properly belongs to the boy face and to the time when the boy voice called thinly across the late afternoon water or murmured by a campfire at night or in the middle of a crowded street said, “Gee, listen to this–’On Wenlock Edge the wood’s in trouble; His forest fleece the Wrekin heaves–’” The Friend of Your Youth is your friend because he does not see you anymore. And perhaps he never saw you. What he saw was simply part of the furniture of the wonderful opening world. Friendship was something he suddenly discovered and had to give away as a recognition of and payment for the breathlessly opening world which momently divulged itself like a moonflower. It didn’t matter a damn to whom he gave it, for the fact of giving was what mattered, and if you happened to be handy you were automatically endowed with all the appropriate attributes of a friend and forever after your reality is irrelevant. The Friend of Your Youth is the only friend you will ever have, for he hasn’t the slightest concern with calculating his interest or your virtue. He doesn’t give a damn, for the moment, about Getting Ahead or Needs Must Admiring the Best, the two official criteria in adult friendships, and when the boring stranger appears, he puts out his hand and smiles (not really seeing your face) and speaks your name (which doesn’t really belong to your face), saying, “Well, Jack, damned glad you came, come on in, boy!

Ten Best Song to Strip 1. Any hip-swiveling R&B fuckjam. This category includes The Greatest Stripping Song of All Time: "Remix to Ignition" by R. Kelly. 2. "Purple Rain" by Prince, but you have to be really theatrical about it. Arch your back like Prince himself is daubing body glitter on your abdomen. Most effective in nearly empty, pathos-ridden juice bars. 3. "Honky Tonk Woman" by the Rolling Stones. Insta-attitude. Makes even the clumsiest troglodyte strut like Anita Pallenberg. (However, the Troggs will make you look like even more of a troglodyte, so avoid if possible.) 4. "Pour Some Sugar on Me" by Def Leppard. The Lep's shouted choruses and relentless programmed drums prove ideal for chicks who can really stomp. (Coincidence: I once saw a stripper who, like Rick Allen, had only one arm.) 5. "Amber" by 311. This fluid stoner anthem is a favorite of midnight tokers at strip joints everywhere. Mellow enough that even the most shitfaced dancer can make it through the song and back to her Graffix bong without breaking a sweat. Pass the Fritos Scoops, dude. 6. "Miserable" by Lit, but mostly because Pamela Anderson is in the video, and she's like Jesus for strippers (blonde, plastic, capable of parlaying a broken nail into a domestic battery charge, damaged liver). Alos, you can't go wrong stripping to a song that opens with the line "You make me come." 7. "Back Door Man" by The Doors. Almost too easy. The mere implication that you like it in the ass will thrill the average strip-club patron. Just get on all fours and crawl your way toward the down payment on that condo in Cozumel. (Unless, like most strippers, you'd rather blow your nest egg on tacky pimped-out SUVs and Coach purses.) 8. Back in Black" by AC/DC. Producer Mutt Lange wants you to strip. He does. He told me. 9. "I Touch Myself" by the Devinyls. Strip to this, and that guy at the tip rail with the bitch tits and the shop teacher glasses will actually believe that he alone has inspired you to masturbate. Take his money, then go masturbate and think about someone else. 10. "Hash Pipe" by Weezer. Sure, it smells of nerd. But River Cuomo is obsessed with Asian chicks and nose candy, and that's just the spirit you want to evoke in a strip club. I recommend busting out your most crunk pole tricks during this one.

payment that I definitely need. How is it that someone can bring out the very best and the very worst of you all at once?

All men, at one time or another, have fallen in love with the veiled Isis whom they call Truth. With most, this has been a passing passion: they have early seen its hopelessness and turned to more practical things. But others remain all their lives the devout lovers of reality: though the manner of their love, the vision which they make to themselves of the beloved object varies enormously. Some see Truth as Dante saw Beatrice: an adorable yet intangible figure, found in this world yet revealing the next. To others she seems rather an evil but an irresistible enchantress: enticing, demanding payment and betraying her lover at the last. Some have seen her in a test tube, and some in a poet’s dream: some before the altar, others in the slime. The extreme pragmatists have even sought her in the kitchen; declaring that she may best be recognized by her utility. Last stage of all, the philosophic sceptic has comforted an unsuccessful courtship by assuring himself that his mistress is not really there.

Life has taught Alice Bhatti that every little step forward in life is preceded by a ritual humiliation. Every little happiness asks for a down payment. Too many humiliations and a journey that goes in circles means that her face is permanently in the red. She accepts that role. 'I'll do my best'.

Of course, the starting point for any discussion of motivation in the workplace is a simple fact of life: People have to earn a living. Salary, contract payments, some benefits, a few perks are what I call “baseline rewards.” If someone’s baseline rewards aren’t adequate or equitable, her focus will be on the unfairness of her situation and the anxiety of her circumstance. You’ll get neither the predictability of extrinsic motivation nor the weirdness of intrinsic motivation. You’ll get very little motivation at all. The best use of money as a motivator is to pay people enough to take the issue of money off the table.

She demanded payment for it, in advance, in kind. Cows were not enough. A virgin priestess was required, human blood for human blood; the leader’s eldest daughter would be best.

What could be better for slave owners than slaves who think they’re free? This is the greatest trick ever pulled: a nation of slaves who think they’re free. Slaves must be fed, housed, even clothed. But if they must feed, house, and clothe themselves as ‘payment’ for their work, this removes burden from the slave owner—while the same work is performed and accomplished, to the benefit of the slave owner. The best part is that slaves who think they’re free will never work to end their slavery. They will look down on those who do not work. To work to end their slavery, they must first learn they are slaves. This is the hardest task of all: to free their minds.

But the coffeehouse was still the best place to keep up with everything new. In order to understand this, it must be said that the Viennese coffeehouse is a particular institution which is not comparable to any other in the world. As a matter of fact, it is a sort of democratic club to which admission costs the small price of a cup of coffee. Upon payment of this mite every guest can sit for hours on end, discuss, write, play cards, receive his mail, and, above all, can go through an unlimited number of newspapers and magazines. Perhaps nothing has contributed as much to the intellectual mobility and the international orientation of the Austrian as that he could keep abreast of all world events in the coffeehouse, and at the same time discuss them in the circle of his friends. For, thanks to the collectivity of our interests, we followed the orbis pictus of artistic events not with two, but with twenty and forty eyes. What one of us had overlooked was noticed by another, and since in our constant childish, boastful, and almost sporting ambition we wished to outdo each other in our knowledge of the very latest thing, we found ourselves actually in a sort of constant rivalry for the sensational.

We live in a time when lots of people want to be famous. It’s particularly a problem with young entrepreneurs. Fame has become a toxic desire for many people. Because fame is worthless unless it is a tool to glorify God. And even in the marketplace, what matters most is your ability to add value to other peoples lives. It’s about service through adding value. And the best form of payment for that is money, not fame. So a lot of people need to really forget about fame and instead focus on value.

American cold war culture represented an age of anxiety. The anxiety was so severe that it sought relief in an insistent, assertive optimism. Much of American popular culture aided this quest for apathetic security. The expanding white middle class sought to escape their worries in the burgeoning consumer culture. Driving on the new highway system in gigantic showboat cars to malls and shopping centers that accepted a new form of payment known as credit cards, Americans could forget about Jim Crow, communism, and the possibility of Armageddon. At night in their suburban homes, television allowed middle class families to enjoy light domestic comedies like The Adventures of Ozzie and Harriet, Father Knows Best, and Leave It to Beaver. Somnolently they watched representations of settled family life, stories where lost baseball gloves and dinnertime hijinks represented the only conflicts. In the glow of a new Zenith television, it became easy to believe that the American dream had been fully realized by the sacrifice and hard work of the war generation. American monsters in pop culture came to the aid of this great American sleep. Although a handful of science fiction films made explicit political messages that unsettled an apathetic America, the vast majority of 'creature features' proffered parables of American righteousness and power. These narratives ended, not with world apocalypse, but with a full restoration of a secure, consumer-oriented status quo. Invaders in flying saucers, radioactive mutations, and giant creatures born of the atomic age wreaked havoc but were soon destroyed by brainy teams of civilian scientists in cooperation with the American military. These films encouraged a certain degree of paranoia but also offered quick and easy relief to this anxiety... Such films did not so much teach Americans to 'stop worrying and love the bomb' as to 'keep worrying and love the state.

OK, but what do I do about the debt I have? While the mantra here is “avoid debt at all costs,” if you already have it, it is worth considering if paying it off ahead of schedule is the best use of your capital. In today’s environment, here’s my rough guideline: If your interest rate is... Less than 3%, pay it off slowly and route the money to your investments instead. Between 3-5%, do whatever feels most comfortable: Either put the money to debt payment or investments. More than 5%, pay it off ASAP. But this is just looking at the numbers. There is a lot to be said for focusing on just getting it out of your life and moving on. Especially if keeping your debt under control has been a problem for you.

Debt was an ugly word and an ugly concept to Olive. A bill unpaid past the fifteenth of the month was a debt. The word had connotations of dirt and slovenliness and dishonor. Olive, who truly believed that her family was the best in the world, quite snobbishly would not permit it to be touched by debt. She planted that terror of debt so deeply in her children that even now, in a changed economic pattern where indebtedness is a part of living, I become restless when a bill is two days overdue. Olive never accepted the time-payment plan when it became popular. A thing bought on time was a thing you did not own and for which you were in debt. She saved for things she wanted, and this meant that the neighbors had new gadgets as much as two years before we did.

The mood and temper of the public in regard to the treatment of crime and criminals is one of the most unfailing tests of the civilization of any country. A calm and dispassionate recognition of the rights of the accused against the State, and even of convicted criminals against the State, a constant heart-searching by all charged with the duty of punishment, a desire and eagerness to rehabilitate in the world of industry all those who have paid their dues in the hard coinage of punishment, tireless efforts towards the discovery of curative and regenerating processes, and an unfaltering faith that there is a treasure, if you can only find it, in the heart of every man – these are the symbols which in the treatment of crime and criminals mark and measure the stored-up strength of a nation, and are the sign and proof of the living virtue in it.27 In 1908 and 1909 over 180,000 people were in prison in Britain, around half for failure to pay a fine on time.28 Churchill argued that more time should be allowed for payment, since the best principle for a prison system should be to ‘prevent as many people as possible from getting there’.29 He set in motion processes by which the number of people imprisoned for failing to pay a fine for drunkenness was reduced from 62,000 to 1,600 over the next decade.30 Churchill also searched for alternative punishments for petty offences, especially by children, as he saw prison as a place of last resort for serious offenders.31 When he visited Pentonville Prison in October, he released youths imprisoned for minor offences and although he was not at the Home Office long enough to reform the penal system as a whole, he reduced the sentences of nearly 400 individuals.32 He also introduced music and libraries into prisons, tried to improve the conditions of suffragettes imprisoned for disturbing the peace and reduced the maximum amount

Jack Dorsey is best known as the creator of Twitter and as the founder and CEO of Square, a mobile payments company. His Essentialist approach to management is a relatively rare one. At a dinner I attended recently where he spoke, he said he thinks of the role of CEO as being the chief editor of the company. At another event at Stanford University he explained further: “By editorial I mean there are a thousand things we could be doing. But there [are] only one or two that are important. And all of these ideas … and inputs from engineers, support people, designers are going to constantly flood what we should be doing…. As an editor I am constantly taking these inputs and deciding the one, or intersection of a few, that make sense for what we are doing.”3 An editor is not merely someone who says no to things. A three-year-old can do that. Nor does an editor simply eliminate; in fact, in a way, an editor actually adds. What I mean is that a good editor is someone who uses deliberate subtraction to actually add life to the ideas, setting, plot, and characters.

The average household income in America is right around $50,000 per year, according to the Census Bureau. Joe and Suzy Average would invest $7,500 (15 percent) per year or $625 per month. If you make $50,000 per year and have no payments except the house mortgage and live on a budget, can you invest $625 per month? Follow me here. If Joe and Suzy invest $625 per month with no match into Roth IRAs from age thirty to age seventy, they will have $7,588,545 tax-FREE! That is almost $8 million. What if I’m half-wrong? What if you end up with only $4 million? What if I’m six times wrong? Sure beats the 97 out of 100 sixty-five-year-olds who can’t write a check for $600! I would submit to you that Joe and Suzy are well below average. Why? In our example they started at the average household income in America, and in forty years of work never got a raise. They saved 15 percent of income and never increased it by one dollar. There is no excuse to retire without financial dignity in the United States today. Most of you will have well over $2 million pass through your hands in your working lifetime, so do something about catching some of that money. Gayle asked me one day if it was too late for her to start saving. Gayle wasn’t twenty-seven like Joe and Suzy. She was fifty-seven years old, but with her attitude you would have thought this lady was 107. Harold Fisher had a much better outlook at age one hundred than Gayle did at age fifty-seven. Life had dealt her some blows and had knocked most of the hope out of her. A Total Money Makeover is not a magic show. You start where you are, and you do the steps. These steps work if you are twenty-seven or fifty-seven, and they don’t change. Gayle might be starting the retirement investing step at sixty that Joe and Suzy start at thirty years old. Gayle was unwise to enter her sixties without an emergency fund and with credit-card debt and a car payment. She, like all of us, couldn’t save when she has debt and no umbrella for when it rains. Would it have been better for Gayle to start when she was twenty-seven or even forty-seven? Obviously. But once she was done with the pity party, she still needed to start with Baby Step One and follow The Total Money Makeover step-by-step to put herself in the best position possible.

Who sent you, boy?” Fafhrd demanded. “How did you get here?” “Now who and how would you expect?” replied the urchin. “Catch.” He tossed the Mouser a wax tablet. “Say, you two, take my advice and get out while the getting’s good. I think so far as your expedition’s concerned, Ningauble’s pulling up his tent pegs and scuttling home. Always a friend in need, my dear employer.” The Mouser ripped the cords, unfolded the tablet, and read: “Greetings, my brave adventurers. You have done well, but the best remains to be done. Hark to the calling. Follow the green light. But be very cautious afterwards. I wish I could be of more assistance. Send the shroud, the cup, and the chest back with the boy as first payment.” “Loki-brat! Regin-spawn!” burst out Fafhrd. The Mouser looked up to see the urchin lurching and bobbing back toward the Lost City on the back of the eagerly fugitive camel. His impudent laughter returned shrill and faint. “There,” said the Mouser, “rides off the generosity of poor, penurious Ningauble. Now we know what to do with the camel.” “Zutt!” said Fafhrd. “Let him have the brute and the toys. Good riddance to his gossiping!

Jobs and Wozniak had no personal assets, but Wayne (who worried about a global financial Armageddon) kept gold coins hidden in his mattress. Because they had structured Apple as a simple partnership rather than a corporation, the partners would be personally liable for the debts, and Wayne was afraid potential creditors would go after him. So he returned to the Santa Clara County office just eleven days later with a “statement of withdrawal” and an amendment to the partnership agreement. “By virtue of a re-assessment of understandings by and between all parties,” it began, “Wayne shall hereinafter cease to function in the status of ‘Partner.’” It noted that in payment for his 10% of the company, he received $800, and shortly afterward $1,500 more. Had he stayed on and kept his 10% stake, at the end of 2012 it would have been worth approximately $54 billion. Instead he was then living alone in a small home in Pahrump, Nevada, where he played the penny slot machines and lived off his social security check. He later claimed he had no regrets. “I made the best decision for me at the time. Both of them were real whirlwinds, and I knew my stomach and it wasn’t ready for such a ride.

Dear PrettyKitty29, Hi, my name is Liam Brody. From the looks of your charming website, you've heard of me. Believe it or not, I've heard of you too. I was recently tipped off about your little gossip community. I probably shouldn't call it little. You are one of the busiest gossip communities on the Internet. Congratulations. I'm always impressed with people who manage to stay indoors so much. You must have a sufficient amount of Vitamin D. I noticed that you seem to have an odd and probably unwarranted agenda against me. Almost every bitter post about me is put up by lovely you. I also noticed that your hatred has spread successfully among your users. Wow. What an influence you have on gossip hungry teens and housewives. Again, congratulations. I apologize for dating models, PrettyKitty29. I just think they're more attractive than other people. Some people steal, some people do drugs, some people sell them. I date models. It could probably be worse. I could be someone who makes bribes. Speaking of those, I was emailing you to let you know that despite the sarcasm throughout this email, I find your strangely influential website interesting and am willing to make a substantial payment to you if you stop posting negative stories and put a few nice ones instead. I don't know what a gossip community moderator gets paid, but I'm sure that regardless, you could use a few extra bucks. It would pay for food delivery, movies On Demand, and other indoor pleasures that I'm sure you partake in. Please let me know. Best, Liam Brody.

It was in her abode, in the janitorial quarters assigned her on the ground floor rear, that seemingly inoffensive Mrs. Shapiro set up a clandestine alcohol dispensary—not a speakeasy, but a bootleg joint, where the Irish and other shikkers of the vicinity could come and have their pint bottles filled up, at a price. And several times on weekends, when Ira was there, for he got along best with Jake, felt closest to him, because Jake was artistic, some beefy Irishman would come in, hand over his empty pint bottle for refilling, and after greenbacks were passed, and the transaction completed, receive as a goodwill offering a pony of spirits on the house. And once again those wry (rye? Out vile pun!), wry memories of lost opportunities: Jake’s drab kitchen where the two sat talking about art, about Jake’s favorite painters, interrupted by a knock on the door, opened by Mr. Shapiro, and the customer entered. With the fewest possible words, perhaps no more than salutations, purpose understood, negotiations carried out like a mime show, or a ballet: ecstatic pas de deux with Mr. McNally and Mr. Shapiro—until suspended by Mr. Shapiro’s disappearance with an empty bottle, leaving Mr. McNally to solo in anticipation of a “Druidy drunk,” terminated by Mr. Shapiro’s reappearance with a full pint of booze. Another pas de deux of payment? Got it whole hog—Mr. Shapiro was arrested for bootlegging several times, paid several fines, but somehow, by bribery and cunning, managed to survive in the enterprise, until he had amassed enough wealth to buy a fine place in Bensonhurst by the time “Prohibition” was repealed. A Yiddisher kupf, no doubt.

To be honest? I'd thought myself above them. What a nasty little counter-culture snob I was. There they were, doing their fucking best, trying to have a life, trying to bring up their children decently, struggling to make the payments on the little house, wondering where their youth had gone, where love had gone, what was to become of them and all I could do was be a snotty, judgmental cow. But it was no good. I couldn't be like them. I'd seen too much, done too much that was outside anything they knew. I wasn't better than them, but I was different. We had no point of contact other than work. Even then, they disapproved of my attitude, my ways of dealing with the clients. Many's the time I'd ground my teeth as Andrea or Fran had taken the piss out of some hapless, useless, illiterate get they were assigned to; being funny at the expense of their stupidity, their complete inability to deal with straight society. Sure, I knew it was partly a defence mechanism; they did it because it was laugh or scream, and we were always told it wasn't good to let the clients get too close. But all too often - not always, but enough times to make me seethe with irritation - there was an ingrained, self-serving elitism in there too. Who'd see it better than me? They sealed themselves up in their white-collar world like chrysalides and waited for some kind of reward for being good girls and boys, for playing the game, being a bit of a cut above the messy rest - a reward that didn't exist, would never come and that they would only realise was a lie when it was far too late. Now I would be one of the Others, the clients, the ones who stood outside in the cold and, shivering, looked in at the lighted windows of reason and middle-class respectability. I would be another colossal fuck-up, another dinner party story. But my sin was all the greater because I'd wilfully defected from the right side to the hopelessly, eternally wrong side. I was not only a screw-up, I was a traitor.

The CEO answered by saying the bill was too high, that he’d pay half of it and that they would talk about the rest. After that, he stopped answering her calls. The underlying dynamic was that this guy didn’t like being questioned by anyone, especially a woman. So she and I developed a strategy that showed him she understood where she went wrong and acknowledged his power, while at the same time directing his energy toward solving her problem. The script we came up with hit all the best practices of negotiation we’ve talked about so far. Here it is by steps: A “No”-oriented email question to reinitiate contact: “Have you given up on settling this amicably?” A statement that leaves only the answer of “That’s right” to form a dynamic of agreement: “It seems that you feel my bill is not justified.” Calibrated questions about the problem to get him to reveal his thinking: “How does this bill violate our agreement?” More “No”-oriented questions to remove unspoken barriers: “Are you saying I misled you?” “Are you saying I didn’t do as you asked?” “Are you saying I reneged on our agreement?” or “Are you saying I failed you?” Labeling and mirroring the essence of his answers if they are not acceptable so he has to consider them again: “It seems like you feel my work was subpar.” Or “… my work was subpar?” A calibrated question in reply to any offer other than full payment, in order to get him to offer a solution: “How am I supposed to accept that?” If none of this gets an offer of full payment, a label that flatters his sense of control and power: “It seems like you are the type of person who prides himself on the way he does business—rightfully so—and has a knack for not only expanding the pie but making the ship run more efficiently.” A long pause and then one more “No”-oriented question: “Do you want to be known as someone who doesn’t fulfill agreements?” From my long experience in negotiation, scripts like this have a 90 percent success rate. That is, if the negotiator stays calm

In 1786, Jefferson, then the American ambassador to France, and Adams, then the American ambassador to Britain, met in London with Sidi Haji Abdul Rahman Adja, the ambassador to Britain. The Americans wanted to negotiate a peace treaty based on Congress’ vote to appease. During the meeting Jefferson and Adams asked the ambassador why Muslims held so much hostility towards America, a nation with which they had no previous contacts. In a later meeting with the American Congress, the two future presidents reported that Ambassador Sidi Haji Abdul Rahman Adja had answered that Islam “was founded on the Laws of their Prophet, that it was written in their Qur’an that all nations who should not have acknowledged their authority were sinners, that it was their right and duty to make war upon them wherever they could be found, and to make slaves of all they could take as Prisoners, and that every Musselman (Muslim) who should be slain in Battle was sure to go to Paradise.” For the following 15 years, the American government paid the Muslims millions of dollars for the safe passage of American ships or the return of American hostages. Most Americans do not know that the payments in ransom and Jizyah tribute amounted to 20 percent of United States government annual revenues in 1800. Not long after Jefferson’s inauguration as president in 1801, he dispatched a group of frigates to defend American interests in the Mediterranean, and informed Congress. Declaring that America was going to spend “millions for defense but not one cent for tribute,” Jefferson pressed the issue by deploying American Marines and many of America’s best warships to the Muslim Barbary Coast. The USS Constitution, USS Constellation, USS Philadelphia, USS Chesapeake, USS Argus, USS Syren and USS Intrepid all fought. In 1805, American Marines marched across the dessert from Egypt into Tripolitania, forcing the surrender of Tripoli and the freeing of all American slaves. During the Jefferson administration, the Muslim Barbary States, crumbled as a result of intense American naval bombardment and on shore raids by Marines. They finally agreed officially to abandon slavery and piracy. Jefferson’s victory over the Muslims lives on today in the Marine Hymn with the line “From the halls of Montezuma to the shores of Tripoli, we will fight our country’s battles on the land as on the sea.” It wasn’t until 1815 that the problem was fully settled by the total defeat of all the Muslim slave trading pirates.

In other words, you'll pretend to be someone else in order to snag a husband." "Oh, for heaven's sake," she said defensively, "it's no different than what half the women in society do to catch a man. I don't want to waste my time in pointless flirtation when a little knowledge will improve my aim on the targets." He flashed her a condescending smile. "What is it?" she snapped. "Only you would approach courtship as a marksman approaches a shooting match." He licked the tip of his pencil. "So who are these hapless targets?" "The Earl of Devonmont, the Duke of Lyons, and Fernandez Valdez, the Viscount de Basto." His jaw dropped. "Are you insane?" "I know they're rather beyond my reach, but they seem to like my company-" "I daresay they do!" He strode up to her, strangely angry. "The earl is a rakehell with a notorious reputation for trying to get beneath the skirts of every woman he meets. The duke's father was mad, and it's said to run in his family, which is why most women steer clear of him. And Basto is a Portuguese idiot who's too old for you and clearly trawling for some sweet young thing to nurse him in his declining years." "How can you say such things? The only one you know personally is Lord Devonmont, and you barely know even him." "I don't have to. Their reputations tell me they're utterly unacceptable." Unacceptable? Three of the most eligible bachelors in London? Mr. Pinter was mad, not her. "Lord Devonmont is Gabe's wife's cousin. The duke of Gabe's best friend, whom I've known since childhood, and the viscount...well..." "Is an oily sort, from what I hear," he snapped. "No, he isn't. He's very pleasant to talk to." Really, this was the most ridiculous conversation. "Who the devil do you think I should marry, anyway?" That seemed to take him aback. He glanced away. "I don't know," he muttered. "But no...That is, you shouldn't..." He tugged at his cravat. "They're wrong for you, that's all." She'd flustered Mr. Pinter. How astonishing! He was never flustered. It made him look vulnerable and much less...stiff. She rather liked that. But she'd like it even better if she understood what had provoked it. "Why do you care whom I choose, as long as you're paid? I'm wiling to pay extra to ensure that you find out everything I want to know." Once more he turned into Proud Pinter. "It isn't a matter of payment, madam. I choose my own assignments, and this one isn't to my taste. Good day," Turning on his heel, he headed for the door. Oh, dear, she hadn't meant to run him off entirely.

The textbooks of history prepared for the public schools are marked by a rather naive parochialism and chauvinism. There is no need to dwell on such futilities. But it must be admitted that even for the most conscientious historian abstention from judgments of value may offer certain difficulties. As a man and as a citizen the historian takes sides in many feuds and controversies of his age. It is not easy to combine scientific aloofness in historical studies with partisanship in mundane interests. But that can and has been achieved by outstanding historians. The historian's world view may color his work. His representation of events may be interlarded with remarks that betray his feelings and wishes and divulge his party affiliation. However, the postulate of scientific history's abstention from value judgments is not infringed by occasional remarks expressing the preferences of the historian if the general purport of the study is not affected. If the writer, speaking of an inept commander of the forces of his own nation or party, says "unfortunately" the general was not equal to his task, he has not failed in his duty as a historian. The historian is free to lament the destruction of the masterpieces of Greek art provided his regret does not influence his report of the events that brought about this destruction. The problem of Wertfreíheit must also be clearly distinguished from that of the choice of theories resorted to for the interpretation of facts. In dealing with the data available, the historian needs ali the knowledge provided by the other disciplines, by logic, mathematics, praxeology, and the natural sciences. If what these disciplines teach is insufficient or if the historian chooses an erroneous theory out of several conflicting theories held by the specialists, his effort is misled and his performance is abortive. It may be that he chose an untenable theory because he was biased and this theory best suited his party spirit. But the acceptance of a faulty doctrine may often be merely the outcome of ignorance or of the fact that it enjoys greater popularity than more correct doctrines. The main source of dissent among historians is divergence in regard to the teachings of ali the other branches of knowledge upon which they base their presentation. To a historian of earlier days who believed in witchcraft, magic, and the devil's interference with human affairs, things hàd a different aspect than they have for an agnostic historian. The neomercantilist doctrines of the balance of payments and of the dollar shortage give an image of presentday world conditions very different from that provided by an examination of the situation from the point of view of modern subjectivist economics.

If we take God’s Word seriously, we should avoid debt when possible. In those rare cases where we go into debt, we should make every effort to get out as soon as we can. We should never undertake debt without prayerful consideration and wise counsel. Our questions should be, Why go into debt? Is the risk called for? Will the benefits of becoming servants to the lender really outweigh the costs? What should we ask ourselves before going into debt? Before we incur debt, we should ask ourselves some basic spiritual questions: Is the fact that I don’t have enough resources to pay cash for something God’s way of telling me it isn’t his will for me to buy it? Or is it possible that this thing may have been God’s will but poor choices put me in a position where I can’t afford to buy it? Wouldn’t I do better to learn God’s lesson by foregoing it until—by his provision and my diligence—I save enough money to buy it? What I would call the “debt mentality” is a distorted perspective that involves invalid assumptions: • We need more than God has given us. • God doesn’t know best what our needs are. • God has failed to provide for our needs, forcing us to take matters into our own hands. • If God doesn’t come through the way we think he should, we can find another way. • Just because today’s income is sufficient to make our debt payments, tomorrow’s will be too (i.e., our circumstances won’t change). Those with convictions against borrowing will normally find ways to avoid it. Those without a firm conviction against going into debt will inevitably find the “need” to borrow. The best credit risks are those who won’t borrow in the first place. The more you’re inclined to go into debt, the more probable it is that you shouldn’t. Ask yourself, “Is the money I’ll be obligated to repay worth the value I’ll receive by getting the money or possessions now? When it comes time for me to repay my debt, what new needs will I have that my debt will keep me from meeting? Or what new wants will I have that will tempt me to go further into debt?” Consider these statements of God’s Word: • “True godliness with contentment is itself great wealth. After all, we brought nothing with us when we came into the world, and we can’t take anything with us when we leave it. So if we have enough food and clothing, let us be content” (1 Timothy 6:6-8). • “Those who love money will never have enough. How meaningless to think that wealth brings true happiness!” (Ecclesiastes 5:10). • “My child, don’t lose sight of common sense and discernment. Hang on to them, for they will refresh your soul. They are like jewels on a necklace. They keep you safe on your way, and your feet will not stumble. You can go to bed without fear; you will lie down and sleep soundly. You need not be afraid of sudden disaster or the destruction that comes upon the wicked, for the LORD is your security. He will keep your foot from being caught in a trap” (Proverbs 3:21-26). • “Don’t copy the behavior and customs of this world, but let God transform you into a new person by changing the way you think. Then you will learn to know God’s will for you, which is good and pleasing and perfect” (Romans 12:2).

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Today, such studies are illegal. Medical scientists cannot offer inducements like pardons to persuade prisoners to take part in their studies. Although they can award small cash payments to research subjects, they are forbidden from giving anyone so much money or such tempting favors that their compensations might constitute what ethicists term an inappropriate inducement, an irresistible temptation to join the study. Now, more than eighty years after the 1918 flu, people enter studies for several reasons—to get free medical care, to get an experimental drug that, they hope, might cure them of a disease like cancer or AIDS, or to help further scientific knowledge. In theory at least, study participants are supposed to be true volunteers, taking part in research of their own free will. But in 1918, such ethical arguments were rarely considered. Instead, the justification for a risky study with human beings was that it was better to subject a few to a great danger in order to save the many. Prisoners were thought to be the ideal study subjects. They could offer up their bodies for science and, if they survived, their pardons could be justified because they gave something back to society. The Navy inmates were perfect for another reason. Thirty-nine of them had never had influenza, as far as anyone knew. So they might be uniquely susceptible to the disease. If the doctors wanted to deliberately transmit the 1918 flu, what better subjects? Was influenza really so easily transmitted? the doctors asked. Why did some people get it and others not? Why did it kill the young and healthy? Could the wartime disruptions and movements of troops explain the spread of the flu? If it was as contagious as it seemed, how was it being spread? What kind of microorganism was causing the illness? The normal way to try to answer such questions would be to study the spread of the disease in animals. Give the disease to a few cages of laboratory rats, or perhaps to some white rabbits. Isolate whatever was causing the illness. Show how it spread and test ways to protect animals—and people—against the disease. But influenza, it seemed, was a uniquely human disease. No animal was known to be susceptible to it. Medical researchers felt they had no choice but to study influenza in people. Either the Navy doctors were uncommonly persuasive or the enticement of a pardon was overwhelmingly compelling. For whatever reason, the sixty-two men agreed to be subjects in the medical experiment. And so the study began. First the sailors were transferred to a quarantine station on Gallops Island in Boston Harbor. Then the Navy doctors did their best to give the men the flu. Influenza is a respiratory disease—it is spread from person to person, presumably carried on droplets of mucus sprayed in the air when sick people cough or sneeze, or carried on their hands and spread when the sick touch the healthy. Whatever was causing the flu should be present in mucus taken from the ill. The experiments, then, were straightforward. The Navy doctors collected mucus from men who were desperately ill with the flu, gathering thick viscous secretions from their noses and throats. They sprayed mucus from flu patients into the noses and throats of some men, and dropped it into other men’s eyes. In one attempt, they swabbed mucus from the back of the nose of a man with the flu and then directly swabbed that mucus into the back of a volunteer’s nose.

The Seventh Central Pay Commission was appointed in February 2014 by the Government of India (Ministry of Finance) under the Chairmanship of Justice Ashok Kumar Mathur. The Commission has been given 18 months to make its recommendations. The terms of reference of the Commission are as follows:  1. To examine, review, evolve and recommend changes that are desirable and feasible regarding the principles that should govern the emoluments structure including pay, allowances and other facilities/benefits, in cash or kind, having regard to rationalisation and simplification therein as well as the specialised needs of various departments, agencies and services, in respect of the following categories of employees:-  (i) Central Government employees—industrial and non-industrial; (ii) Personnel belonging to the All India Services; (iii) Personnel of the Union Territories; (iv) Officers and employees of the Indian Audit and Accounts Department; (v) Members of the regulatory bodies (excluding the RBI) set up under the Acts of Parliament; and (vi) Officers and employees of the Supreme Court.   2. To examine, review, evolve and recommend changes that are desirable and feasible regarding the principles that should govern the emoluments structure, concessions and facilities/benefits, in cash or kind, as well as the retirement benefits of the personnel belonging to the Defence Forces, having regard to the historical and traditional parties, with due emphasis on the aspects unique to these personnel.   3. To work out the framework for an emoluments structure linked with the need to attract the most suitable talent to government service, promote efficiency, accountability and responsibility in the work culture, and foster excellence in the public governance system to respond to the complex challenges of modern administration and the rapid political, social, economic and technological changes, with due regard to expectations of stakeholders, and to recommend appropriate training and capacity building through a competency based framework.   4. To examine the existing schemes of payment of bonus, keeping in view, inter-alia, its bearing upon performance and productivity and make recommendations on the general principles, financial parameters and conditions for an appropriate incentive scheme to reward excellence in productivity, performance and integrity.   5. To review the variety of existing allowances presently available to employees in addition to pay and suggest their rationalisation and simplification with a view to ensuring that the pay structure is so designed as to take these into account.   6. To examine the principles which should govern the structure of pension and other retirement benefits, including revision of pension in the case of employees who have retired prior to the date of effect of these recommendations, keeping in view that retirement benefits of all Central Government employees appointed on and after 01.01.2004 are covered by the New Pension Scheme (NPS).   7. To make recommendations on the above, keeping in view:  (i) the economic conditions in the country and the need for fiscal prudence; (ii) the need to ensure that adequate resources are available for developmental expenditures and welfare measures; (iii) the likely impact of the recommendations on the finances of the state governments, which usually adopt the recommendations with some modifications; (iv) the prevailing emolument structure and retirement benefits available to employees of Central Public Sector Undertakings; and (v) the best global practices and their adaptability and relevance in Indian conditions.   8. To recommend the date of effect of its recommendations on all the above.

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Mortgage Workouts Even if you don’t qualify for any of the government loan modification programs or your lender doesn’t agree to participate, you may be able to arrange a “mortgage workout.” A workout is any agreement you make with the lender that changes how you pay the delinquency on your mortgage or otherwise keeps you out of foreclosure. Many lenders require this formal process even for short-term fixes. Here are some workout options your lender might agree to: • Spread repayment of missed payments over a few months. For example, if your monthly payment is $1,000 and you missed two payments ($2,000), the lender might let you pay $1,500 for four months. • Reduce or suspend your regular payments for a specified time, and then add a portion of your overdue amount to your regular payments later on. • Extend the length of your loan and add the missed payments at the end. • For a period of time, suspend the amount of your monthly payment that goes toward the principal and only require payment of interest, taxes, and insurance. • Let you sell the property for less than you owe the lender and waive the rest. This is called a “short sale.” It’s best to start the workout negotiations as early as possible. But before you contact the lender about a workout, you should prepare information about your situation, including: • a reasonable budget for the

When the best and brightest are chained to a monthly loan payment that leaves them just enough for food, housing and some minor consumer distraction to get them back on the hamster wheel, they’re never really going to do anything about global warming, or Ebola, or Syria, or poverty, or hunger, or the war in the Congo that killed 5.4 million people while no one was paying attention.

Annihilating nihilism is a peculiar phenomenon – the product of financial capitalism. In the sphere of financial capitalism, destroying concrete wealth is the easiest way to accumulate abstract value. The credit default swap (CDS) is the best example of this transformation of life, resources and language into nihil. The CDS is a contract in which the buyer of the CDS makes a series of payments to the seller and, in exchange, receives a pay-off if an instrument – typically a bond or loan – goes into default (fails to pay). Less commonly, the credit event that triggers the pay-off can be the restructuring or bankruptcy of a company, or even simply the downgrading of its credit rating. If the financial game is based on the premise that the value of money invested will increase as things are annihilated (if factories are dismantled, jobs are destroyed, people die, cities crumble, and so on), this type of financial profiteering is essentially constructed upon a bet on the degradation of the world.

In order for a person to work at a church legally as an independent contractor, we believe it is prudent to consider the following guidelines:   ·       The church cannot substantially direct the person’s duties; the church can only give them overall tasks to complete.   ·       The church cannot control or set their hours that they work.   ·       Since their “company” provides the service, they can send anyone to do the job.   ·       They cannot have an office at the church that is their primary office.   ·       It cannot be their only source of income.   ·       The church needs to have a written contract in place including cost, delivery of Services, duration (i.e. six months, one year, etc.) and a termination clause.   ·       They cannot participate in any employee benefits plans (insurance, retirement plans, etc).   ·       The contractor must provide annual proof of worker’s comp and liability insurance naming the church as additionally insured or the church could be held liable in the event of a claim.   ·       The church must issue a 1099 at the end of the year for all contract wages paid if the total amount for the year exceeds $600.00 to one contractor. We strongly recommend that no payments are made until an accurate and fully completed W-9 is completed by the contractor and on file at the church.        Given these requirements, many workers such as those in the nursery, kitchens, and other service areas are not 1099 contractors, but employees.     Regarding interim pastors, there is disagreement over whether they should receive a W-2 or 1099. Factors such as length of service, who supervises them, and whether they are a contractor, come into play in the decision on how to report their salary. For the best practice we recommend always using the W-2 to report salaries, but seeking tax and legal counsel would be wise to avoid any future IRS issues.      While there are advantages to the church to pay independent contractors who regularly work for the church such as avoiding the need to pay the employer's part of the FICA tax and the ease of terminating their services, we would recommend against their regular use.      We recommend against the use of independent contractors (that regularly work at the church) because we believe it can create the following problems for the church:   ·       Less control over the position   ·       Leaves the church open to an IRS challenge, which the church only has a 50/50 chance of defending, not to mention the cost and hassle of litigation   ·       In the event of insurance claims, the church may encounter issues with worker’s compensation coverage or liability insurance coverage such as sexual misconduct, etc.   ·       The church is open to contract disputes with the independent contractor   ·       Based on how the individual/company is filing their taxes, it could bring an unwanted tax audit to the church        Our conclusion is that we do not see enough cost-saving advantages for the church to move in this direction. It also creates unnecessary red flags for the IRS. The other looming question is, why is this such an important issue for such a small incremental (if any) tax break for the individual? Because the independent contractor will have to pay employer FICA, we don’t see any large tax advantage for this shift. They can claim mileage and some home office expense (maybe), but it just does not amount to enough to place the church at risk.      Here are some detailed guidelines

You—“ Mr Bellstrode began, and then leaning forward and sinking his voice, “You would kill for money?” “Is there any other reason to? Well, I suppose there is revenge, but that, you know, never makes one feel as well as it should when it is all said and done. Money is a much better reward than retribution. Something substantial by way of compensation for emotional wrongs is much the best cure for an injured spirit. I do provide fatal retaliation for nothing when it is deserved, but as you are neither a poor helpless wretch nor the victim of national injustice, full payment is expected.

At this point, it’s important to clarify the difference between bonds and stocks. A bond is simply a loan. Most often, bonds have a sharply limited upside: the best that you can do is collect your interest payments and principal at maturity. A share of stock, on the other hand, represents a claim on all of the future earnings of the company. As such, its upside is potentially unlimited. It

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

Cash Flow & Loan Paydown Let’s talk briefly on how mortgages work. A mortgage is just a fancy word for “loan on a property.” An owner-occupied mortgage is that same loan, but requires you to live there for a more favorable price or terms. With house hacking, you are likely going to obtain an owner-occupied loan. For the purposes of this discussion, let’s say that you are getting a 3.5 percent FHA loan. If you purchase a property for $100,000, you will be responsible for putting $3,500 down in exchange for a $96,500 loan to be paid back monthly over the next thirty years. Assuming a 5.25 percent interest rate, the monthly payments would be $532.88 per month. Each monthly payment will be a combination of principal and interest. The principal is the actual balance of the loan the bank gives you—in this case $96,500. The interest payment is the amount that you are paying the bank for lending you money. In the first month, the concentration of interest payment will be highest, and as you continue to pay down the mortgage every month, an increasing amount of that $532.88 payment will be applied toward the principal. Take a look at the amortization schedule below to see how each payment over the next twelve months is comprised. Do you see how the interest portion of the payment decreased over time, but the amount applied to the principal increases? When you are paying down your principal, you are building equity in the property by paying back the balance of the loan. The best part about house hacking is that you are not actually paying the loan: Your tenants are! Not only are you living for free, and maybe even cash flowing, you own more and more of your house each month.

A lot of business owners spend time solving problems they don’t have. Rob Walling refers to this as premature optimization. Examples include: 1. Getting a flawless credit card payment process setup before they have customers. 2. Optimizing their website before they have traffic. 3. Hiring staff before they have work for them. 4. Investing in the best systems before they have enough work to warrant it. Normally these decisions stem from believing that when you have a problem, you won’t be able to resolve it quickly.

What does it even mean when they say live every day as if it's your last? Do they want me to write my will everyday? Buy wood for my funeral? Call up my insurance agent and tell him I'll fuck him up if he screws up the payment to my family? Delete the internet history from my phone and MacBook? What?

The Five Laws of Stratospheric Success 1. The Law of Value a. Your true worth is determined by how much more you give in value than take in payment 2. The Law of Compensation a. Your income is determined by how many people you serve and how well you serve them 3. The Law of Influence a. Your influence is determined by how abundantly you place other people’s interests first 4. The Law of Authenticity a. The most valuable gift you have to offer is yourself 5. The Law of Receptivity a. The key to effective giving is staying open to receiving •What you focus on is what you get: “Go looking for conflict, and you’ll find it. Go looking for people to take advantage of you, and they generally will. See the world as a dog-eat-dog place, and you’ll always find a bigger dog looking at you as if you’re his next meal. Go looking for the best in people, and you’ll be amazed at how much talent, ingenuity, empathy, and good will you’ll find. Ultimately, the world treats you more or less the way you expect to be treated.” (16) •“Whoever said being anxious gets more accomplished?” He had always taken for granted that getting a lot done invariably meant a high level of stress. But then, he knew plenty of people who were thoroughly stressed out, yet didn’t really accomplish that much. (58) •Survive, save, and serve. Focus on the third…the rare person does. •Network: People who know you, like you, and trust you—“personal walking ambassadors” •Enlightened self-interest: Watch out for others with the faith that when you do, you’ll get what you need •Reaching any goals takes 10% technical skills MAX—the other 90% is people skills

The best solution in our view would be to combine the enactment of a negative income tax with winding down Social Security while living up to present obligations. The way to do that would be: Repeal immediately the payroll tax. Continue to pay all existing beneficiaries under Social Security the amounts that they are entitled to under current law. Give every worker who has already earned coverage a claim to those retirement, disability, and survivors benefits that his tax payments and earnings to date would entitle him to under current law, reduced by the present value of the reduction in his future taxes as a result of the repeal of the payroll tax. The worker could choose to take his benefits in the form of a future annuity or government bonds equal to the present value of the benefits to which he would be entitled. Give every worker who has not yet earned coverage a capital sum (again in the form of bonds) equal to the accumulated value of the taxes that he or his employer has paid on his behalf.

Every American should be able to expect certain standards, freedoms, benefits, and opportunities form a twenty-first-century health system. If they are willing to participate and be responsible, they will gain: •Improved health; •Longer lives with a much better quality of life; •A more convenient, understandable and personalized experience -- all at a lower cost; •Access to the best course of treatment for their particular illness and their unique characteristics; •A system that fosters and encourages innovation, competition, and better outcomes for patients; •A system that truly values the impact that medical innovation has on patients and their caregivers as well as on society as a whole; •A government that facilitates and accelerates extraordinary opportunities to improve health and health care; •Continuous but unobtrusive 24/7 monitoring of their general health, chronic conditions, and acute health problems; •Access to the most modern medical knowledge and breakthroughs, including the most advanced technologies, therapies and drugs, unimpeded by government-imposed price controls or rationing; •The chance to increase their personal knowledge by learning from a transparent system of information about their diagnosis, costs and alternative solutions; •A continuously improving, competitive, patient-focused medical world in which new therapies, new technologies, and new drugs are introduced as rapidly and safely as possible -- and not a day later; •Greater price and market competition, innovation and smarter health care spending; •A system of financing that includes insurance, government, charities, and self-funding that ensures access to health and health care for every American at the lowest possible cost without allowing financing and short-term budgetary considerations to distort and weaken the delivery of care; •Genuine insurance to facilitate access to dramatically better care, rather than the current system, which is myopically focused on monthly or annual payments; •A health system in which third parties and government bureaucrats do not impede the best course of treatment that doctors and their patients decide on; •A health system in which seniors, veterans, or others under government health programs receive the same quality of care as their children in private markt systems. Big reforms are required to transform today’s expensive, obsolete health bureaucracy into a system that conforms to these principles.

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Learn about Public Service Loan Forgiveness The PSLF Program (Public Service Loan Forgiveness) encourages people to proceed and continue their participation in public service careers. In this program, eligible individuals are entitled for forgiveness of their remaining balance that is due on their federal student loans. However, they may only qualify if they were able to make 120 payments on these loans, which are under a particular repayment plan. These individuals also have a full-time employment status from public service companies, so they may qualify for the PSLF. Let’s discuss Public Service Loan Forgiveness with The Student Loan Help Center Team. How to Obtain Remaining Balances on Direct Loans If you want to have remaining balances on your direct loans forgiven through the PSLF, you must be able to make 120 monthly payments on direct loans. Furthermore, these payments should be full and made on time. Another important qualification is securing the payment after October 1, 2007. When you make these monthly payments, keep in mind that you should be a full-time employee at any accredited public service company. Important Details about Eligible Loans for Forgiveness As The Student Loan Help Center CEO Bruce Mesnekoff Said Loans that are eligible for the PSLF program are those you have received from a direct loan. On the other hand, Perkins Loans, Federal Family Education Loans (FFEL) and other types of student loans are not valid for PSLF. If you have an existing Perkins loan or FFEL, you have the option to consolidate these into direct consolidation loans, so you may avail of the outstanding benefits offered by the PSLF. Make sure, though, that the payments made on the new loan will be counted toward your payment requirement, which will last for 120 months. Facts about Qualifying Repayment Plans You will be able to maximize your benefits from the PSLF by repaying loans on the IBR (Income Based Repayments) or the ICR (Income Contingent Repayments. These plans enable you to qualify for the PSLF program. The 10-year repayment plan also qualifies you for the PSLF, as well as other plans where the monthly payment you make is equivalent or more than what you are required to pay under the standard 10-year repayment scheme. Before you decide on the best repayment scheme for paying off your direct loans, make sure you are aware of the costs and implications of such decision. When you extend the period in securing your payments for PSLF qualifying payments, you can reduce the remaining balance on your loan when you satisfy all the eligibility requirements for the PSLF program. Moreover, you will have zero balance on loans to be forgiven when you are able to make all 120 monthly payments through the 10 year standard repayment scheme. You can expect a great reduction on your monthly payments under the ICR or IBR plans, as compared to other qualifying repayment options for the PSLF program. Moreover, the repayment term is likely to extend. With a longer period in repaying your loans, you can expect additional interest to accumulate on your loan. Keep in mind, though, that your inability to meet the PSLF requirements will entitle you to pay off the entire loan balance, as well as the accrued interest.

The Ultimate Guide to Student Loans by Bruce Mesnekoff With the cost of college rising and governmental/private funding declining, it is no wonder that most Americans are concerned about their ability to finance a post-secondary education. Tuition prices are rising at Community Colleges, State Schools, Private and Technical colleges, leaving most Americans wondering how they are going to afford to pay for their education. This book educates parents, grandparents, young adults and students of all ages how to optimize the educational payment process. The Ultimate Guide To Student Loans is the collaboration of two financial experts who guide you through the confusing maze of investing for education and the student loan world from beginning to end. Jordan Goodman, America’s Money Answers Man, personal finance expert and frequent guest on radio and TV shows, and Bruce Mesnekoff, CEO of The Student Loan Help Center, student loan management and consolidation expert, share their knowledge and simplify the complicated process and maze of government and private rules and regulations about student loans. They also guide you through all of your investment choices to finance college education. This book helps you understand student loans by explaining: ways to invest so that you can avoid taking on student loans in the first place the optimum ways to get the best student loans paying off your loans as quickly as possible The book provides extensive information and resources to help you no matter where you are in the student loan financing process. These resources include contact information and descriptions for: federal regulatory organizations educational associations websites loan repayment programs The book also offers an appendix with abbreviations, acronyms and a glossary of student loan related terms. Also you can consult with The Student Loan Help Center for all kind of your consolidation problems. Use this book to improve your entire educational financing experience!

Wage Garnishment Majority of students complete their education with student loan debt. Once you have graduated from college and stepinto the real world, you realize it isn’t as easy as it seemed. Student loan is one of the most difficult loans to repay and it also cannot be discharged into bankruptcy. Thus it has to be repaid!One thing that should always be kept in mind is to never skip your loan payments. If this happens and happens consecutively for months it will open doors to many other problems. It will put your loan in default; your entire loan amount and interest will become due immediately. It will adversely impact your credit score. We discuss Wage Garnishment with The Student Loan Help Center team, let’s see what they said about it. So What is wage garnishment? Wage garnishment happens when your loan is in default (you can consult The Student Loan help center if you want) i.e you have not paid the loan for consecutive 270 days. Now Wage garnishment is one of the legal consequences of going into default. Through this method the government starts deducting 15% of your income. That means you in hand income willreduce with only 85% coming in your bank account. However the amount of wage that can be garnished for private loandiffers from state to state since every state is not allowed to garnish the wages. How to avoid? As discussed before, wage garnishment happens only when your loan is in default. The department of education sends you one letter when you are in default. The best way to avoid this problem is to avoid going to default. There are numerous measures you can adopt right from very beginning to keep your loan repayment on track. For eg, starting to pay interest in your grace period, automating the process of monthly payments to get some discount from bank etc. Now what if you are in default or going in default, then the best option would be to consider forbearance or deferment which will stop your wages from being garnished. How can it be challenged? If you have just received the notice from Department of Education then you are given one opportunity to get a hearing and object to wage garnishment. You can challenge wage garnishment on following grounds: Your income Your employment Procedures followed to start the garnishment etc Also your wage garnishment cannot begin before the notice of 30 days. During this time period you request a hearing garnishment will be put on hold and if 30 days are over garnishment will not stop if you have won the hearing. One of the Best Student Loan consolidation services in USA is The Student Loan Help Center in Florida for all kind of Student Loan consultation you can contact any time.

Thank you, Dr. Walker,” she said, standing. “I—I appreciate what you’ve done. I’m sure it will heal up nicely now.” She’d have to return another day to see about the curtains and the wagon. Right now she wanted nothing more than to escape his gaze and that of the Pattersons and go back to the cottage. She’d doubted he’d accept payment for his impromptu doctoring, but perhaps she could bring him a cake by way of thanks. “It’s a blessing he was there,” Mrs. Patterson murmured in agreement. “Oh, I’m not done, Miss Matthews. That’s a nasty gash you have, and it’s going to need proper disinfectant and some stitches to heal properly. You need to come down to the office with me where I can do it properly.” Her eyes flew open. “Oh, I’m sure that’s not necessary,” she protested. “And I’m sure it is. Come along, Miss Matthews,” he said, tucking her uninjured arm in his. “But—” “Best listen to the doctor, dear,” Mrs. Patterson was saying. “Yes, he’s treated wounds on the battlefield, after all,” her spouse added. She felt herself being pulled out the door, willy-nilly. She trusted his medical judgment, but she wasn’t sure she was ready to be alone with him, even if she was only a patient to him in this instance.

Noah Kagan went to UC Berkeley and graduated with degrees in Business and Economics. He worked at Intel for a short stint, and then found himself at Facebook, as employee #30. You’d think this is where the story would get really good: Noah went on to become the head of product and is now worth 10 billion dollars! That’s not what happened. Instead, he was fired after eight months. Noah has been very public about this, and it’s well documented. He even wrote about why it happened, which mostly comes down to the fact that he was young and inexperienced. Here’s where the real story gets interesting. After being fired, Noah spent ten months at Mint, another successful startup. For Noah, that was a side-hustle. After Mint, he founded KickFlip, a payment provider for social games. He also started an ad company called Gambit. Both of those companies fluttered around for a while and then fizzled out. Next came AppSumo, a daily deals website for tech software. AppSumo has done very well, and it’s still in business as of this writing, but Noah eventually turned his attention to another opportunity. While building up his other businesses, he had become an expert at email marketing, and realized there was a huge need for effective marketing tools. So he created SumoMe, a software company that helps people and companies build their email lists. SumoMe has exploded since its launch. Over 200,000 sites now use it in some capacity, and that number is growing every day. It’s easy to imagine SumoMe becoming a $100 million dollar company in a matter of years, and it’s completely bootstrapped. The company has taken zero funding from venture capitalists. That means Noah can run the business exactly how he wants. I’ve known Noah for almost ten years. I met him when my first company was getting off the ground. Several months ago, we were emailing back and forth about promoting my first book. He ended one of the emails with, “Keep the hustle strong.” I smiled when I read that. Noah is, and always will be, a hustler. He’s been hustling for his entire career―for over a decade. And he deserves everything that’s coming his way. Hustle never comes without defeat. It never comes without detours and side-projects. But the best hustlers all know this simple truth: All that matters is that you keep on hustling.

If you pay the price for success, you win. If you avoid payment, you lose. It’s really that simple.

Property Evaluation Process: •Verify the property’s income •Verify the property’s expenses •Determine net operating income •Use the capitalization rate to find the value •Calculate the loan payment and your rate of return

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.

Sometimes it may be a good thing to debunk envy a little. For example: here is a phrase that we have heard a good deal of late: “These services (payments, compensations, or what not) ought not to be made a matter of charity. We have a right to demand that they should be borne by the state.” It sounds splendid; but what does it mean? Now, you and I are the state, and where the bearing of financial burdens is concerned, the taxpayer is the state. The heaviest burden of taxation is, naturally, borne by those who can best afford to pay. When a new burden is imposed, the rich will have to pay most of it. Of the money expended in charity, the greater part—for obvious reasons—is contributed by the rich. Consequently, if the burden hitherto borne by charity is transferred to the shoulders of the taxpayer, it will inevitably continue to be carried by people who no longer pay because they want to—eagerly and for love—but because they must, reluctantly and under pain of fine or imprisonment. The result, roughly speaking, is financially the same; the only difference is the elimination of the two detested virtues of love and gratitude. I do not say for a moment that certain things should not be the responsibility of the state—that is, of everybody. No doubt those who formerly contributed out of love should be very willing to pay a tax instead. But what I see very clearly is the hatred of the gracious act and the determination that nobody shall be allowed any kind of spontaneous pleasure in well-doing if envy can prevent it. “This ointment might have been sold for much and given to the poor.” Then our nostrils would not be offended by any odor of sanctity—the house would not be “filled with the smell of the ointment.” It is the characteristic that it should have been Judas who debunked that act of charity.

PayPal’s big challenge was to get new customers. They tried advertising. It was too expensive. They tried BD [business development] deals with big banks. Bureaucratic hilarity ensued. … the PayPal team reached an important conclusion: BD didn’t work. They needed organic, viral growth. They needed to give people money. So that’s what they did. New customers got $10 for signing up, and existing ones got $10 for referrals. Growth went exponential, and PayPal wound up paying $20 for each new customer. It felt like things were working and not working at the same time; 7 to 10 percent daily growth and 100 million users was good. No revenues and an exponentially growing cost structure were not. Things felt a little unstable. PayPal needed buzz so it could raise more capital and continue on. (Ultimately, this worked out. That does not mean it’s the best way to run a company. Indeed, it probably isn’t.)2 Thiel’s account captures both the desperation of those early days and the almost random experimentation the company resorted to in an effort to get PayPal off the ground. But in the end, the strategy worked. PayPal dramatically increased its base of consumers by incentivizing new sign-ups. Most important, the PayPal team realized that getting users to sign up wasn’t enough; they needed them to try the payment service, recognize its value to them, and become regular users. In other words, user commitment was more important than user acquisition. So PayPal designed the incentives to tip new customers into the ranks of active users. Not only did the incentive payments make joining PayPal feel riskless and attractive, they also virtually guaranteed that new users would start participating in transactions—if only to spend the $10 they’d been gifted in their accounts. PayPal’s explosive growth triggered a number of positive feedback loops. Once users experienced the convenience of PayPal, they often insisted on paying by this method when shopping online, thereby encouraging sellers to sign up. New users spread the word further, recommending PayPal to their friends. Sellers, in turn, began displaying PayPal logos on their product pages to inform buyers that they were prepared to honor this method of online payment. The sight of those logos informed more buyers of PayPal’s existence and encouraged them to sign up. PayPal also introduced a referral fee for sellers, incentivizing them to bring in still more sellers and buyers. Through these feedback loops, the PayPal network went to work on its own behalf—it served the needs of users (buyers and sellers) while spurring its own growth.

Promotion stocks came to the retailer ahead of the rest of the market. Also, they usually got an extra lot even after the end of the promotion Newly launched products came to the retailer first. The customers got more choice, faster, leading to favourable word-of-mouth publicity Local display and consumer sampling budgets were always directed liberally at the retailer Vendors ensured that no slow moving inventory was stuck in the retailer’s stores; they wanted nothing to choke the pipeline The retailer also received the best in-class margin from the distributor If some items were in short supply, the vendor would ensure the retailer was the last one to go out of stock In effect, the consumers found more products, fresher stocks and more promotions in the retailer’s stores compared to the general market. This wasn’t something actively created by either the vendors or the retailer, but was a byproduct of good trading practices. Just one move based on a trading community insight— everyone has less money in the bank than needed — hurled the retailer into a virtuous growth cycle, with all the vendors pushing in one direction, with them. Most people in the business would not give a second look at changing these trading practices. If the payment norm is eight days why modify it? Surely the wholesalers, too, know what they’re letting themselves in for? And the vast volumes offered by organised retail should offset the stress of extending credit. Isn’t that how it works? One retailer managed to peep behind the curtain of wholesaler business practices and understood what a boon more money in the bank was to the trade. And look at the gains they reaped for this seemingly insignificant insight!

A moai is an informal group of people with common interests who look out for one another. For many, serving the community becomes part of their ikigai. The moai has its origins in hard times, when farmers would get together to share best practices and help one another cope with meager harvests. Members of a moai make a set monthly contribution to the group. This payment allows them to participate in meetings, dinners, games of go and shogi (Japanese chess), or whatever hobby they have in common.

Necessitous men are not free men," Franklin Roosevelt said in that 1944 State of the Union speech. "People who are hungry and out of a job are the stuff of which dictatorships are made." A dire statement, demonstrably true, and especially unsettling now, a point in time when the American Dream seems more viable as nostalgia—make America great again!—than as present reality. Income inequality, wealth distribution, mortality rates: by every measure, the "average man" that Eleanor Roosevelt celebrated is sinking. A recent study by the Pew Research Center shows that the middle class has shrunk to the point where it may no longer be the economic majority in the U.S.21 And with widespread decline in economic prospects comes disillusionment: A recent poll shows nearly three-quarters of Americans across the economic and political spectrum believe that the U.S. economy is rigged. A quarter of these same respondents hadn't had a vacation in at least five years. Over half worried about missing their mortgage payment, and 60 percent of the renters expressed concern about making the monthly rent.22 Exceptional individuals continue to rise, but overall mobility is stagnant at best. More and more it comes down to the birth lottery. If you're born poor in Flint or Appalachia, chances are you're going to stay that way. And if your early memories are of July Fourth fireworks at the Nantucket Yacht Club and ski lessons at Deer Valley, you're likely going to keep your perch at the top of the heap.

But with antibiotics and technology came great expectations, of being able to keep our children safe, of living long and healthy lives, relaxed and content and able to keep up the car payments. Even with the Internet, deciphering the genetic code, and great advances in immunotherapy, life is frequently confusing at best, and guaranteed to be hard and weird and sad at times.

payments company as a high school student in Brazil. Those projects weren’t about striking it rich so much as scratching the itch to create. Looking at the data, one can see that the best preparation to start a multibillion-dollar company is to create a $10 million–plus company first. The best preparation for that is to start something—anything: a hobby project, a side hustle, maybe a school club.

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The most important behavior on your part involves dedicating a disproportionate share of your own time, attention, and discretionary resources to creating new business models. Existing businesses, and the leaders in charge of them, face little difficulty in articulating their needs, building a case for their support, and attracting people. Entrepreneurial initiatives, on the other hand, are usually seen as marginal or unimportant in their early stages. Unless you personally allocate to them disproportionate attention, disproportionate resources, and disproportionate talent, they will get squeezed by the existing business to the extent that they never have a chance to take off. Your challenge is to provide counterpressure to the inertial forces that lead your people to constantly attend to the demands of today’s business. [...] By disproportionate resources, we mean budget, access to operating capacity or operating assets, and, most vitally, the very best people. Ironically, these are the very resources that are highly desired by managers of the existing business, who are apt to hotly contest any other claim on them. Like the payment of disproportionate attention, the disproportionate allocation of resources to new business models has its costs. Every dollar and every hour of operations capacity allocated disproportionately to entrepreneurial initiatives is money and time denied the existing business. Disproportionate allocation must be a deliberate process, with commitment of resources being visibly recognized as a matter of strategic choice, not a struggle between long- and short-term goals. [...] Finally, you must be prepared for your organization’s top talent to work on entrepreneurial initiatives. This can create a painful dilemma. When top talent works on an entrepreneurial initiative, the current business is weakened accordingly. However, if only mediocre talent is assigned to the difficult task of new business development, the ventures are doomed. Furthermore, allowing ventures to be run by mediocre people sends an even stronger signal to the rest of the business about your real priorities. The smart people in the firm will recognize that business development is not truly a priority for you, and they will organize their own priorities accordingly. The message: If you don’t walk the talk, only the dumb people will listen.

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company is making a lot of money. Second, and more important, it would take a lot of the focus off of our company, and considering what we’ll be doing behind the scenes, we don’t need a lot of attention. The fact that Wally has found a hidden basement to put his real R&D lab in means we are less likely to be exposed, but the last thing we need is a lot of reporters trying to learn our secrets, and even worse would be the problem of industrial espionage. If we make it clear that we will license the technology, there’s not really going to be any point in anyone trying to steal it from us.” Allison nodded. “Okay, I see your points. What about patents? All of the stuff is patentable, right?” “It is, and I’ve already worked with one of the best patent attorneys in the world to get them filed on a global basis. It cost almost two million dollars altogether, but our corporation now holds patents on these designs and functions in every country. That was actually a little tricky, because some of the other appliance manufacturers have been working on some similar devices for a while, but we found loopholes that let us claim many of the functions entirely as our own. We did have to refer to some prior art, so there will be a relatively small amount of royalties to pay out each year.” “As long as we are protected,” Allison said. “Now, fill me in on my job here. What am I supposed to be doing?” “As COO, your job is to oversee our business operations, which includes reporting back to Noah on any issues or developments. I’ll actually handle most of that for you, but I want to brief you at least a couple times a week on what’s happening with the business. That way, if you find yourself in a position of having to answer questions, you’ll know what to say.” Allison grinned and looked at Noah. “Sounds like you have it all figured out,” she said. “This is actually a brilliant idea, Noah. Setting up a business like this to cover activities is very smart. It will also give us a way to receive payments for our services.” “Payments?” Noah asked. “I set this up so that we wouldn’t have to worry about getting a budget from the government.” Allison’s eyebrows rose. “You don’t think we’re going to work for free, do you? Every time we handle a mission, there will be a payment of half a million dollars. That’s the deal I worked out with

There are two different common metaphors for work, each of which uses moral accounting. We will call them the Work Exchange metaphor and the Work Reward metaphor. In the Work Reward metaphor, the employer is conceptualized as having legitimate authority over the employee, and pay is a reward for work. The metaphor can be stated as follows: • The employer is a legitimate authority. • The employee is subject to that authority. • Work is obedience to the employer’s commands. • Pay is the reward the employee receives for obedience to the employer. This metaphor makes work a part of the moral order—a hierarchical chain of legitimate authority. This conception of work implies the following: • The employer has a right to give orders to the employee, and to punish the employee for not obeying those orders. • Obedience is the condition of employment. • The social relationship of employer to employee is • one of superior to inferior. • The employer knows best. • The employee is moral if he obeys the employer. • The employer is moral if he appropriately rewards the employee for obeying his orders. In the Work Exchange metaphor, work is seen as an object of value. The worker voluntarily exchanges his work for money. The metaphor can be stated as follows: • Work is an object of value. • The worker is the possessor of his work. • The employer is the possessor of his money. • Employment is the voluntary exchange of the worker’s work for the employer’s money. In the context of labor unions and contracts, the nature and value of the work are mutually agreed on in the contract. Payment is a matter of agreed upon exchange, not reward. Work is a matter of trade, not obedience. The nature and limits of authority are spelled out in the contract. Both of these conceptualizations of work depend upon the metaphor of Moral Accounting—in the first case to define appropriate reward, in the second case to determine the value of the work. Both conceptions are metaphorical, though they may seem literal if everyone involved agrees to abide by one metaphor or the other. What these metaphors show is that the concept of work is not absolute; it varies with the metaphors used to conceptualize it. They also show that work is part of a network of moral concepts, including moral accounting. Some

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The script we came up with hit all the best practices of negotiation we’ve talked about so far. Here it is by steps: 1.​A “No”-oriented email question to reinitiate contact: “Have you given up on settling this amicably?” 2.​A statement that leaves only the answer of “That’s right” to form a dynamic of agreement: “It seems that you feel my bill is not justified.” 3.​Calibrated questions about the problem to get him to reveal his thinking: “How does this bill violate our agreement?” 4.​More “No”-oriented questions to remove unspoken barriers: “Are you saying I misled you?” “Are you saying I didn’t do as you asked?” “Are you saying I reneged on our agreement?” or “Are you saying I failed you?” 5.​Labeling and mirroring the essence of his answers if they are not acceptable so he has to consider them again: “It seems like you feel my work was subpar.” Or “. . . my work was subpar?” 6.​A calibrated question in reply to any offer other than full payment, in order to get him to offer a solution: “How am I supposed to accept that?” 7.​If none of this gets an offer of full payment, a label that flatters his sense of control and power: “It seems like you are the type of person who prides himself on the way he does business—rightfully so—and has a knack for not only expanding the pie but making the ship run more efficiently.” 8.​A long pause and then one more “No”-oriented question: “Do you want to be known as someone who doesn’t fulfill agreements?” From my long experience in negotiation, scripts like this have a 90 percent success rate. That is, if the

Table Of Contents Introduction The Problem With Contracts The Smart Solution Distinctive Properties What You Need to Know What Is A Smart Contract? Blockchain and Smart Contracts Vitalik Buterin On Smart Contracts Digital and Real-World Applications How Smart Contracts Work Smart Contracts' Historical Background A definition of Smart Contracts The promise What Do All Smart Contracts Have in Common? Elements Of Smart Contracts Characteristics of Smart Contracts Capabilities of Smart Contracts Life Cycle Of A Smart Contract Why Are Smart Contracts Important? How Do Smart Contracts Work? What Does Smart Contract Code Look Like In Practice? The Structure of a Smart Contract Interaction with Traditional Text Agreements Are Smart Contracts Enforceable? Challenges With the Widespread Adoption of Smart Contracts Non-Technical Parties: How Can They Negotiate, Draft, and Adjudicate Smart Contracts? Smart Contracts and the Reliance on “Off-chain” Resources What is the "Final" Agreement Reached by the Parties? The Automated Nature of Smart Contracts Are Smart Contracts Reversible? Smart Contract Modification and Termination The Difficulties of Integrating Specified Ambiguity Into Smart Contracts Do Smart Contracts Really Guarantee Payment? Allocation of Risk for Attacks and Failures Governing Law and Location Best Practices for Smart Contracts Types Of Smart Contracts A Technical Example of a Smart Contract Smart Contract Use-Cases Smart Contracts in Action Smart Contracts and Blockchains In the Automobile Industry Smart Contracts and Blockchains in Finance Smart Contracts and Blockchains In Governments Smart Contracts And Blockchains In Business Management Smart Contracts and Blockchains in Initial Coin Offerings (ICOs) Smart Contracts and Blockchains In Rights Management (Tokens) Smart Contracts And Blockchains In NFTs - Gaming Technology Smart Contracts and Blockchains in the Legal Industry Smart contracts and Blockchains in Real Estate Smart Contracts and Blockchains in Corporate Structures - Building DAOs Smart Contracts and Blockchains in Emerging Technology Smart Contracts and Blockchains In Insurance Companies Smart Contracts and Blockchains in Finance Smart Contracts And Blockchains In Powering DEFI Smart Contracts  and Blockchains In Healthcare Smart Contracts and Blockchains In Other Industries What Smart Contracts Can Give You How Are Smart Contracts Created? Make Your Very Own Smart Contract! Are Smart Contracts Secure?

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The researchers also identified which words or phrases best differentiated between repayers and defaulters. Repayers were more likely to use words and phrases related to their financial situation (e.g., “interest” and “tax”) or improvements in financial ability (e.g., “graduate” and “promote”). They also used words and phrases that indicated their financial literacy (e.g., “reinvest” and “minimum payment”) and were more likely to discuss topics such as employment and school, interest rate reductions, and monthly payments. Defaulters, on the other hand, used distinctly different language. They were more likely to mention words or phrases related to financial hardships (e.g., “payday loan” or “refinance”), for example, or hardship more generally (e.g., “stress” or “divorce”), as well as words and phrases that tried to explain their situation (e.g., “explain why”) or discuss their work state (e.g., “hard work” or “worker”). Similarly, they were more likely to plead for help (e.g., “need help” or “please help”) or touch on religion. In fact, while people who used the word “reinvest” were almost 5 times more likely to repay their loan in full, those who used the word “God” were almost 2 times more likely to default.

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Even if the coffers hadn’t been empty, if we’d had all the money to make all the uniforms we needed to implement Phase Two, who do you think we could have conned into filling them? This goes to the heart of America’s war weariness. As if the “traditional” horrors weren’t bad enough—the dead, the disfigured, the psychologically destroyed—now you had a whole new breed of difficulties, “The Betrayed.” We were a volunteer army, and look what happened to our volunteers. How many stories do you remember about some soldier who had his term of service extended, or some exreservist who, after ten years of civilian life, suddenly found himself recalled into active duty? How many weekend warriors lost their jobs or houses? How many came back to ruined lives, or, worse, didn’t come back at all? Americans are an honest people, we expect a fair deal. I know that a lot of other cultures used to think that was naïve and even childish, but it’s one of our most sacred principles. To see Uncle Sam going back on his word, revoking people’s private lives, revoking their freedom… After Vietnam, when I was a young platoon leader in West Germany, we’d had to institute an incentives program just to keep our soldiers from going AWOL. After this last war, no amount of incentives could fill our depleted ranks, no payment bonuses or term reductions, or online recruiting tools disguised as civilian video games.17 This generation had had enough, and that’s why when the undead began to devour our country, we were almost too weak and vulnerable to stop them. I’m not blaming the civilian leadership and I’m not suggesting that we in uniform should be anything but beholden to them. This is our system and it’s the best in the world. But it must be protected, and defended, and it must never again be so abused.

Jack Dorsey is best known as the creator of Twitter and as the founder and CEO of Square, a mobile payments company. His Essentialist approach to management is a relatively rare one. At a dinner I attended recently where he spoke, he said he thinks of the role of CEO as being the chief editor of the company. At another event at Stanford he explained further: “By editorial I mean there are a thousand things we could be doing. But there [are] only one or two that are important. And all of these ideas…and inputs from engineers, support people, designers are going to constantly flood what we should be doing….As an editor I am constantly taking these inputs and deciding the one, or intersection of a few, that make sense for what we are doing.

A boast is bad enough but a successful boast is worse because it encourages other boasts, and they surely will cost in price. Nothing in this world is without payment.

To glean information from a seller, here are some other questions we like to ask: “How long have you owned the property?” “How long have you been thinking about selling the property?” “Have you already found a new place to live?” “What do you plan to do with the money from the sale?” “Are you under any pressure to sell?” “Are the payments current?

Altair scoffed. “I have an abundance of gold, shukrun. I find the best payments are always the most difficult to extract. So come with me to the Daama Faris, and we can talk over a drink.” Nasir clenched his teeth as Altair lifted two fingers to his brow in a mock salute and strolled from the room. Weasel.

The script we came up with hit all the best practices of negotiation we’ve talked about so far. Here it is by steps: A “No”-oriented email question to reinitiate contact: “Have you given up on settling this amicably?” A statement that leaves only the answer of “That’s right” to form a dynamic of agreement: “It seems that you feel my bill is not justified.” Calibrated questions about the problem to get him to reveal his thinking: “How does this bill violate our agreement?” More “No”-oriented questions to remove unspoken barriers: “Are you saying I misled you?” “Are you saying I didn’t do as you asked?” “Are you saying I reneged on our agreement?” or “Are you saying I failed you?” Labeling and mirroring the essence of his answers if they are not acceptable so he has to consider them again: “It seems like you feel my work was subpar.” Or “… my work was subpar?” A calibrated question in reply to any offer other than full payment, in order to get him to offer a solution: “How am I supposed to accept that?” If none of this gets an offer of full payment, a label that flatters his sense of control and power: “It seems like you are the type of person who prides himself on the way he does business—rightfully so—and has a knack for not only expanding the pie but making the ship run more efficiently.” A long pause and then one more “No”-oriented question: “Do you want to be known as someone who doesn’t fulfill agreements?

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Industrialization, for example. Even if the reservation could attract and sustain large-scale industry heavy or light, which it cannot, what have the Navajos to gain by becoming factory hands, lab technicians and office clerks? The Navajos are people, not personnel; nothing in their nature or tradition has prepared them to adapt to the regimentation of application forms and time clock. To force them into the machine would require a Procrustean mutilation of their basic humanity. Consciously or unconsciously the typical Navajo senses this unfortunate truth, resists the compulsory miseducation offered by the Bureau, hangs on to his malnourished horses and cannibalized automobiles, works when he feels like it and quits when he has enough money for a party or the down payment on a new pickup. He fulfills other obligations by getting his wife and kids installed securely on the public welfare rolls. Are we to condemn him for this? Caught in a no-man’s-land between two worlds the Navajo takes what advantage he can of the white man’s system—the radio, the pickup truck, the welfare—while clinging to the liberty and dignity of his old way of life. Such a man would rather lie drunk in the gutters of Gallup, New Mexico, a disgrace to his tribe and his race, than button on a clean white shirt and spend the best part of his life inside an air-conditioned office building with windows that cannot be opened.

want you to think about it. I’m not in a hurry. The best would be: we give Adolf a boot in the ass, you come back here, and we’ll call this the first payment on a new project.” Casson handed the check to Fleischer, who looked at it, then put it in the inside pocket of his jacket. He stood and extended a hand. “Jean-Claude,” he said. That was Casson’s affectionate nickname, in fact his first and middle names. “Send a postcard.” Fleischer was suddenly close to tears—didn’t trust himself to speak. He nodded, tight-lipped, and left the office. “Good luck, Harry,” Casson said. Gabriella stuck her head around the doorway. “James Templeton is calling from London.” Casson grabbed the phone with one hand while the other dug through a pile of dossiers on his desk, eventually coming up with

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The G.I. Bill, formally known as the Servicemen's Readjustment Act of 1944, provided many benefits for the returning World War II veterans. These benefits included cash payments of tuition and living expenses to attend a university, high school or vocational education school, provided low-cost mortgages, and supplied low-interest loans to start a business, as well as one year of unemployment compensation. About 2.2 million returning, honorably discharged veterans used the G.I. Bill in order to attend colleges or universities, and another 5.6 million used the G.I. Bill for other kinds of training programs. This program helped make the United States the best educated country and the exceptional leader of the world, for years to come. It was an exciting time in America and I had a center aisle seat to witness it.” I and many other veterans used the G.I. Bill to help pay for my education. In my case it allowed me to attend Central Connecticut State College (now a State University) to do my graduate work in education. The fact that so many people could afford to go back to school made the United States the best educated country in the years following World War II. Unfortunately during the past five years the United States has dropped by 11 points in our educational standing worldwide and now scores 17th among the 34 OECD countries. To make matters worse is that we are below average in math and science when the world depends more than ever on technology. A good part of the reason is that young people cannot afford the cost of a college education! The defense used by many of the less educated is that college is for egg heads and being a deplorable is worn as a badge of honor. If something doesn’t happen soon we will become a third world country but that opens up another topic for another day!

Anything acquired without effort, and without cost is generally unappreciated, often discredited; perhaps this is why we get so little from our marvelous opportunity in public schools. The SELF-DISCIPLINE one receives from a definite programme of specialized study makes up to some extent, for the wasted opportunity when knowledge was available without cost. Correspondence schools are highly organized business institutions. Their tuition fees are so low that they are forced to insist upon prompt payments. Being asked to pay, whether the student makes good grades or poor, has the effect of causing one to follow through with the course when he would otherwise drop it. The correspondence schools have not stressed this point sufficiently, for the truth is that their collection departments constitute the very finest sort of training on DECISION, PROMPTNESS, ACTION and THE HABIT OF FINISHING THAT WHICH ONE BEGINS. I learned this from experience, more than twenty-five years ago. I enrolled for a home study course in Advertising. After completing eight or ten lessons I stopped studying, but the school did not stop sending me bills. Moreover, it insisted upon payment, whether I kept up my studies or not. I decided that if I had to pay for the course (which I had legally obligated myself to do), I should complete the lessons and get my money's worth. I felt, at the time, that the collection system of the school was somewhat too well organized, but I learned later in life that it was a valuable part of my training for which no charge had been made. Being forced to pay, I went ahead and completed the course. Later in life I discovered that the efficient collection system of that school had been worth much in the form of money earned, because of the training in advertising I had so reluctantly taken. We have in this country what is said to be the greatest public school system in the world. We have invested fabulous sums for fine buildings, we have provided convenient transportation for children living in the rural districts, so they may attend the best schools, but there is one astounding weakness to this marvelous system-IT IS FREE! One of the strange things about human beings is that they value only that which has a price. The free schools of America, and the free public libraries, do not impress people because they are free. This is the

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We haven’t truly enabled all the people of this society to participate in self-government to the fullest extent of their potential. We haven’t come close, not in an age when our elected officials and their staffs are overwhelmingly white, male, and affluent. Nor have we truly enabled all the people of this society to participate fully in economic life as creators and contributors. Not when 48 percent of the new jobs in the country are low-wage jobs paying less than $15 an hour, and when tens of millions rely on government payments for subsistence. And we haven’t truly enabled the citizens of this country to be as powerful as possible. Not when voter turnout is rarely above 60 percent (at best) and when poor, nonwhite, or immigrant voters are still being disenfranchised.

Keith Hart, probably the best-known current anthropological authority on the subject, pointed this out many years ago. There are, he famously observed, two sides to any coin: Look at a coin from your pocket. On one side is “heads”—the symbol of the political authority which minted the coin; on the other side is “tails”—the precise specification of the amount the coin is worth as payment in exchange. One side reminds us that states underwrite currencies and the money is originally a relation between persons in society, a token perhaps. The other reveals the coin as a thing, capable of entering into definite relations with other things.

In three years, Edward will be sixteen. What then? What happens when he demands payment for Northampton?’ ‘It does not have to be that way. In three years, he could come to understand why I took the actions I did.’ ‘Yes, he could. But you do not expect that and neither do I. The Woodvilles have taught him too well. And even if Edward could learn to forgive, Elizabeth Woodville never will. Nor will her kin and, sooner or later, they’re going to have to be set free. They do hate you so, Richard, and now we know why. You’re the rightful heir of York; think you that they could live with that? ‘No, Richard, we’d best face it. Our future holds naught but grief. You’re not likely to live very long under your nephew’s reign, my love, and should evil befall you, what do you think will happen to our son? To me?

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