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The bourgeoisie, wherever it has got the upper hand, has put an end to all feudal, patriarchal, idyllic relations. It has pitilessly torn asunder the motley feudal ties that bound man to his 'natural superiors,' and has left remaining no other nexus between man and man than naked self-interest, callous 'cash payment.' It has drowned the most heavenly ecstasies of religious fervor, of chivalrous enthusiasm, of philistine sentimentalism, in the icy water of egotistical calculation. It has resolved personal worth into exchange value, and in place of the numberless indefeasible chartered freedoms, has set up that single, unconscionable freedom—Free Trade. In one word, for exploitation, veiled by religious and political illusions, it has substituted naked, shameless, direct, brutal exploitation. The bourgeoisie has stripped of its halo every occupation hitherto honored and looked up to with reverent awe. It has converted the physician, the lawyer, the priest, the poet, the man of science, into its paid wage laborers. The bourgeoisie has torn away from the family its sentimental veil, and has reduced the family relation to a mere money relation.

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.

within the capitalist system all methods for raising the social productiveness of labour are brought about at the cost of the individual labourer; all means for the development of production transform themselves into means of domination over, and exploitation of, the producers; they mutilate the labourer into a fragment of a man, degrade him to the level of an appendage of a machine, destroy every remnant of charm in his work and turn it into a hated toil; they estrange from him the intellectual potentialities of the labour process in the same proportion as science is incorporated in it as an independent power; they distort the conditions under which he works, subject him during the labour process to a despotism the more hateful for its meanness; they transform his life-time into working-time, and drag his wife and child beneath the wheels of the Juggernaut of capital. But all methods for the production of surplus-value are at the same time methods of accumulation; and every extension of accumulation becomes again a means for the development of those methods. It follows therefore that in proportion as capital accumulates, the lot of the labourer, be his payment high or low, must grow worse. The law, finally, that always equilibrates the relative surplus population, or industrial reserve army, to the extent and energy of accumulation, this law rivets the labourer to capital more firmly than the wedges of Vulcan did Prometheus to the rock. It establishes an accumulation of misery, corresponding with accumulation of capital. Accumulation of wealth at one pole is, therefore, at the same time accumulation of misery, agony of toil slavery, ignorance, brutality, mental degradation, at the opposite pole, i.e., on the side of the class that produces its own product in the form of capital.

All crisis have involved debt that, in one fashion or another, has become dangerously out of scale in relation to the underlying means of payment.

The owner of the means of production is in a position to purchase the labor power of the worker. By using the means of production, the worker produces new goods which become the property of the capitalist. The essential point about this process is the relation between what the worker produces and what he is paid, both measured in terms of real value. Insofar as the labor contract is "free," what the worker receives is determined not by the real value of the goods he produces, but by his minimum needs and by the capitalists' requirements for labor power in relation to the number of workers competing for jobs. It is important to understand that even in theory the payment of the worker is not determined by the value of his product.

There was also more practical inquiry. How should I make a living? How do I get my relatives out of my house? Could you help me postpone payment of this loan? The dervishes had jobs in the workday world: mason, weaver, bookbinder, grocer, hatmaker, tailor, carpenter. They were craftsmen and -women, not renunciates of everyday life, but affirmative makers and ecstatics. Some people call them sufis, or mystics. I say they're on the way of the heart.

Lease assets. Be sure to institute the lease versus buy analysis that was covered in the last section. A lease may carry a relatively high implicit interest rate, but has the particular advantage of deferring the payment of cash to later periods.

She looked at him and he read in her eyes a disappointment that he should have stooped to the dead relative excuse. Yet he was as entitled as the next man to use it. People did it all the time; it was understood that there was a defined window of availability beginning a decent few days after a funeral and continuing for no more than a couple of months. Of course, some people took dreadful advantage and a year later were still hauling around their dead relatives on their backs, showing them off to explain late tax payments and missed dentist appointments: something he would never do.

My magic won’t work without a payment of some sort. It isn’t my rule, but there it is. You’ll have to give me something.” “But I have nothing else to offer.” He held her gaze a long moment, as if willing her to speak the truth. The look made her bristle. “I don’t. His shoulders sank. “I think you do.” He ran his thumb over the golden band on her finger. “Why not this?” he asked, not unkindly. The caress made her skin tingle. Something coiled tight in the pit of her stomach. Something she couldn’t quite place, couldn’t quite name…but something she thought might be related to yearning. But it was smothered beneath her sudden frustration. “Don’t be absurd,” she said. “I’m sure you’re fond of me, but to ask for my hand in marriage? I’m quite flattered, but we barely—” “Wha—marriage?” he blurted, jerking away from her in a way that was just a little insulting. Serilda hadn’t meant it, of course, but she couldn’t help but scowl. “I meant the ring,” he said, gesturing wildly.

In a common lesson about electromagnetic forces, students are given an exercise in which a bar magnet is placed on a table surrounded by scattered iron filings. The invisible field surrounding the magnet will draw the filings into alignment with it, until the swirling starburst shape of the field becomes visible. The capital relation is a kind of social magnet, with capital at one end and labor at the other, that tends to align all other social hierarchies with the master hierarchy based on money. Hence the hierarchy of athletic ability is translated into a hierarchy of payment for performing professionally. And yet the magnetism of capital is not so strong that it can perfectly align all the systems. Fame, for example, may in general be translatable into money (as when Kim Kardashian releases a smartphone game that becomes wildly successful), but the conversion is not an exact or uniform one.

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.

Still, it is argued that millions of people benefit from such programs. Of course, trillions of dollars in government expenditures over many years most assuredly benefit the recipients of subsidies or other related payments. But this does not change the arithmetic. The eventual collapse of a colossal government venture will indiscriminately engulf an entire society and economy, including its millions of beneficiaries and benefactors, resulting in widespread disorder and misery.

We have already examined one of the objections that have been brought against the Quantity Theory; the objection that it only holds good ceteris paribus. No more tenable as an objection against the determinateness of our conclusions is reference to the possibility that an additional quantity of money may be hoarded. This argument has played a prominent role in the history of monetary theory; it was one of the sharpest weapons in the armoury of the opponents of the Quantity Theory. Among the arguments of the opponents of the Currency Theory it immediately follows the proposition relating to the elasticity of cash-economizing methods of payment, to which it also bears a close relation as far as its content is concerned.

Although 'debtor's prison' is illegal in all states, many states use the threat of probation or parole revocation as a debt-collection tool. In fact, in some jurisdictions, individuals may 'choose' to go to jail as a way to reduce their debt burdens, a practice that has been challenged as unconstitutional. Adding to the insanity, many states suspend driving privileges for missed debt payments, a practice that often causes people to lose employment (if they had it) and creates yet another opportunity for jail time: driving with a suspended license. In this regime, many people are thrown back in prison simply because they have been unable - with no place to live, and no decent job - to pay back thousands of dollars of prison-related fees, fines, and child support.

One variety of the balance-of-payments theory attempts to distinguish between the importation of necessaries and the importation of articles that can be dispensed with. Necessaries, it is said, have to be bought whatever their price is, simply because they cannot be done without. Consequently there must be a continual depreciation in the currency of a country that is obliged to import necessaries from abroad and itself is able to export only relatively dispensable articles. To argue thus is to forget that the greater or less necessity or dispensability of individual goods is fully expressed in the intensity and extent of the demand for them in themarket,and thus in the amount of money which is paid for them. However strong the desire of the Austrians for foreign bread, meat, coal, or sugar, may be, they can only get these things if they are able to pay for them.

The "I" principle has reached the "Does not matter- need not be" state, and is not related to form. Save and beyond it, there is no other, therefore it alone is complete and eternal. Indestructible, it has power to destroy- therefore it alone is true freedom and existence. Through it comes immunity from all sorrow, therefore the spirit is ecstasy. Renouncing everything by the means shown, take shelter in it. Surely it is the abode of Kia? This having once been (even Symbolically) reached, is our unconditional release from duality and time- believe this to be true. The belief free from all ideas but pleasure, the Karma through law (displeasure) speedily exhausts itself. In that moment beyond time, a new law can become incarnate, without the payment of sorow, every wish gratified, he[9] having become the gratifier by his law. The new law shall be the arcana of the mystic unbalanced "Does not mattter- need not be," there is no necessitation, "please yourself" is its creed.[10]

According to the current view, the maintenance of sound monetary conditions is only possible with a 'credit balance of payments'. The confutation of this and related objections is implicit in the Quantity Theory and in Gresham's Law. The Quantity Theory shows that money can never permanently flow abroad from a country in which only metallic money is used (the 'purely metallic currency' of the Currency Principle). The tightness in the domestic market called forth by the efflux of part of the stock of money reduces the prices of commodities, and so restricts importation and encourages exportation, until there is once more enough money at home. The precious metals which perform the function of money are distributed among individuals, and consequently among separate countries, according to the extent and intensity of the demand of each for money. State intervention to assure to the community the necessary quantity of money by regulating its international nlovements is supererogatory.

In other words, money isn’t a material reality – it is a psychological construct. It works by converting matter into mind. But why does it succeed? Why should anyone be willing to exchange a fertile rice paddy for a handful of useless cowry shells? Why are you willing to flip hamburgers, sell health insurance or babysit three obnoxious brats when all you get for your exertions is a few pieces of coloured paper? People are willing to do such things when they trust the figments of their collective imagination. Trust is the raw material from which all types of money are minted. When a wealthy farmer sold his possessions for a sack of cowry shells and travelled with them to another province, he trusted that upon reaching his destination other people would be willing to sell him rice, houses and fields in exchange for the shells. Money is accordingly a system of mutual trust, and not just any system of mutual trust: money is the most universal and most efficient system of mutual trust ever devised. What created this trust was a very complex and long-term network of political, social and economic relations. Why do I believe in the cowry shell or gold coin or dollar bill? Because my neighbours believe in them. And my neighbours believe in them because I believe in them. And we all believe in them because our king believes in them and demands them in taxes, and because our priest believes in them and demands them in tithes. Take a dollar bill and look at it carefully. You will see that it is simply a colourful piece of paper with the signature of the US secretary of the treasury on one side, and the slogan ‘In God We Trust’ on the other. We accept the dollar in payment, because we trust in God and the US secretary of the treasury. The crucial role of trust explains why our financial systems are so tightly bound up with our political, social and ideological systems, why financial crises are often triggered by political developments, and why the stock market can rise or fall depending on the way traders feel on a particular morning.

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.

Most strikingly, the court issues municipal arrest warrants not on the basis of public safety needs, but rather as a routine response to missed court appearances and required fine payments. In 2013 alone, the court issued over 9,000 warrants on cases stemming in large part from minor violations such as parking infractions, traffic tickets, or housing code violations. Jail time would be considered far too harsh a penalty for the great majority of these code violations, yet Ferguson’s municipal court routinely issues warrants for people to be arrested and incarcerated for failing to timely pay related fines and fees. Under state law, a failure to appear in municipal court on a traffic charge involving a moving violation also results in a license suspension. Ferguson has made this penalty even more onerous by only allowing the suspension to be lifted after payment of an

Taxation was raised again to fund the expanded Air Force required to keep the taxpayers who were expected to fund the required expanded Air Force in a position in which they could be required to pay the extra taxes that would keep them paying the taxes. Further taxes were required to fund the extra demands made upon the services of the Ministry of Justice in order to handle all of the extra cases of non-payment. Hearing cases in absentia was just as expensive, if not more so, than hearing them with the accused actually in the dock rather than naffing off at relativity-inducing speed to some distant star with grandma and grandma’s walking frame strapped onto the roof-rack to make room inside for the beer.

And indeed today as it struggles with its financial crisis, the central issue in Greek politics remains resentment of the influence of Brussels, Germany, the International Monetary Fund, and other external actors, which are seen as pulling strings behind the back of a weak Greek government. Although there is considerable distrust of government in American political culture, by contrast, the basic legitimacy of democratic institutions runs very deep. Distrust of government is related to the Greek inability to collect taxes. Americans loudly proclaim their dislike of taxes, but when Congress mandates a tax, the government is energetic in enforcement. Moreover, international surveys suggest that levels of tax compliance are reasonably high in the United States; higher, certainly, than most European countries on the Mediterranean. Tax evasion in Greece is widespread, with restaurants requiring cash payments, doctors declaring poverty-line salaries, and unreported swimming pools owned by asset-hiding citizens dotting the Athenian landscape. By one account, Greece’s shadow economy—unreported income hidden from the tax authorities—constitutes 29.6 percent of total GDP.24 A second factor has to do with the late arrival of capitalism in Greece. The United States was an early industrializer; the private sector and entrepreneurship remained the main occupations of most Americans. Greece urbanized and took on other trappings of a modern society early on, but it failed to build a strong base of industrial employment. In the absence of entrepreneurial opportunities, Greeks sought jobs in the state sector, and politicians seeking to mobilize votes were happy to oblige. Moreover, the Greek pattern of urbanization in which whole villages moved from the countryside preserved intact rural patronage networks, networks that industry-based development tended to dissolve.

There is no more reprehensible god playing than the use of children for sexual gratification, the exploitation of widows and their children by distant relatives after the death of a father, the misuse of police powers to extort false confessions and protect the perpetrators of sexual violence, or the serial enslavement of generation after generation to extract payments on unpayable debts. All of these and more are abuses of power that IJM targets in countries around the world where the public justice system does not work on behalf of the poor and powerless.

Total Cost Analysis When the purchasing staff considers switching to a new supplier or consolidating its purchases with an existing one, it cannot evaluate the supplier based solely on its quoted price. Instead, it must also consider the total acquisition cost, which can in some cases exceed a product’s initial price. The total acquisition cost includes these items: • Material. The list price of the item being bought, less any rebates or discounts. • Freight. The cost of shipping from the supplier to the company. • Packaging. The company may specify special packaging, such as for quantities that differ from the supplier’s standards and for which the supplier charges an extra fee. • Tooling. If the supplier had to acquire special tooling in order to manufacture parts for the company, such as an injection mold, then it will charge through this cost, either as a lump sum or amortized over some predetermined unit volume. • Setup. If the setup for a production run is unusually lengthy or involves scrap, then the supplier may charge through the cost of the setup. • Warranty. If the product being purchased is to be retained by the company for a lengthy period of time, it may have to buy a warranty extension from the supplier. • Inventory. If there are long delays between when a company orders goods and when it receives them, then it must maintain a safety stock on hand to guard against stock-out conditions and support the cost of funds needed to maintain this stock. • Payment terms. If the supplier insists on rapid payment terms and the company’s own customers have longer payment terms, then the company must support the cost of funds for the period between when it pays the supplier and it is paid by its customers. • Currency used. If supplier payments are to be made in a different currency from the company’s home currency, then it must pay for a foreign exchange transaction and may also need to pay for a hedge, to guard against any unfavorable changes in the exchange rate prior to the scheduled payment date. These costs are only the ones directly associated with a product. In addition, there may be overhead costs related to dealing with a specific supplier (see “Sourcing Distance” later in the chapter), which can be allocated to all products purchased from that supplier.

The bourgeoisie, wherever it has got the upper hand, has put an end to all feudal, patriarchal, idyllic relations. It has pitilessly torn asunder the motley feudal ties that bound man to his “natural superiors,” and has left remaining no other nexus between man and man than naked self-interest, than callous “cash payment.” It has drowned the most heavenly ecstasies of religious fervour, of chivalrous enthusiasm, of philistine sentimentalism, in the icy water of egotistical calculation. It has resolved personal worth into exchange value. And in place of the numberless and feasible chartered freedoms, has set up that single, unconscionable freedom—Free Trade. In one word, for exploitation, veiled by religious and political illusions, naked, shameless, direct, brutal exploitation.

whether your home costs $500,000 or $2 million. A 30-year loan on $270,000 at 6% requires an initial monthly payment of $1,618. With this technique, you would also write a second check for an extra $270—next month’s principal balance—a very small number, relatively speaking. That second check of $270 is money you’ll never pay interest on. To be clear, you’re not paying extra money; you’re simply prepaying next month’s principal a touch sooner. Hold yourself to this pay-it-forward strategy each month, and, again, you’ll be able to pay off a 30-year mortgage in just 15 years—cutting the total cost of your home by close to 50%.

and at as after an add act adjective answer ask am animal ant ax Africa Medial that can had back last has than man hand plant began stand black happen fast apple /a/ LONG A, OPEN SYLLABLE RULE Initial able acre agent apron Asia apex April Medial paper lady baby radio crazy labor lazy flavor tomato navy station basic label equator relation vapor enable volcano vibration basis hazy potato ladle vacation tablecloth table /a/ LONG A, FINAL E RULE Initial ate age ache ale ape ace Medial make made face same came state late tale place name wave space gave base plane game shape baseball spaceship racetrack shapeless cake /a/ LONG A, AI DIGRAPH Initial aim aid ailment ail Medial rain train wait tail chain jail mail pain sail strait afraid brain claim detail explain fail gain main obtain paid remain wait plain laid faint grain rail nail See also List 7, Suggested Phonics Teaching Order; List 8, Phonics Research Basis. // LONG A, AY DIGRAPH Medial always mayor layer maybe gayly haystack wayside payment rayon jaywalk player daylight Final day say away play may today pay gray bay stay birthday highway repay anyway way pray lay gay hay crayon

As the producer states gradually forced the major oil companies to share with them more of the profits from oil, increasing quantities of sterling and dollars flowed to the Middle East. To maintain the balance of payments and the viability of the international financial system, Britain and the United States needed a mechanism for these currency flows to be returned. [...] The purchase of most goods, whether consumable materials like food and clothing or more durable items such as cars or industrial machinery, sooner or later reaches a limit where, in practical terms, no more of the commodity can be used and further acquisition is impossible to justify. Given the enormous size of oil revenues, and the relatively small populations and widespread poverty of many of the countries beginning to accumulate them, ordinary goods could not be purchased at a rate that would go far to balance the flow of dollars (and many could be bought from third countries, like Germany and Japan – purchases that would not improve the dollar problem). Weapons, on the other hand, could be purchased to be stored up rather than used, and came with their own forms of justification. Under the appropriate doctrines of security, ever-larger acquisitions could be rationalised on the grounds that they would make the need to use them less likely. Certain weapons, such as US fighter aircraft, were becoming so technically complex by the 1960s that a single item might cost over $10 million, offering a particularly compact vehicle for recycling dollars. Arms, therefore, could be purchased in quantities unlimited by any practical need or capacity to consume. As petrodollars flowed increasingly to the Middle East, the sale of expensive weaponry provided a unique apparatus for recycling those dollars – one that could expand without any normal commercial constraint.

Over the past thirty years the orthodox view that the maximisation of shareholder value would lead to the strongest economic performance has come to dominate business theory and practice, in the US and UK in particular.42 But for most of capitalism’s history, and in many other countries, firms have not been organised primarily as vehicles for the short-term profit maximisation of footloose shareholders and the remuneration of their senior executives. Companies in Germany, Scandinavia and Japan, for example, are structured both in company law and corporate culture as institutions accountable to a wider set of stakeholders, including their employees, with long-term production and profitability their primary mission. They are equally capitalist, but their behaviour is different. Firms with this kind of model typically invest more in innovation than their counterparts focused on short-term shareholder value maximisation; their executives are paid smaller multiples of their average employees’ salaries; they tend to retain for investment a greater share of earnings relative to the payment of dividends; and their shares are held on average for longer by their owners. And the evidence suggests that while their short-term profitability may (in some cases) be lower, over the long term they tend to generate stronger growth.43 For public policy, this makes attention to corporate ownership, governance and managerial incentive structures a crucial field for the improvement of economic performance. In short, markets are not idealised abstractions, but concrete and differentiated outcomes arising from different circumstances.

Not so, sir. You’re talking about an officer who doesn’t exist anymore. Therefore, Sargon’s crime does not exist.” Winslade shook his head slowly. “Think again, McGill. Just because one fact has been deleted from our minds doesn’t mean all related events have been removed as well.” “Huh? That doesn’t make any sense.” “Of course it does. If a computer forgets to pay your salary, would it also forget to bill you for the payment service? Hmm?

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

Remember that transactions have a gas fee, which varies based on the complexity of the transaction. When, for example, ETH is used to compensate a miner for including and executing a transaction, the gas fee is relatively low. Longer or more data-intensive transactions cost more gas. If a transaction reverts for any reason, or runs out of gas, the sender forfeits all gas used until that point. Forfeiture protects the miners who, without this provision, could fall prey to large volumes of failed transactions for which they would not receive payment.

This may be the fundamental problem with caring a lot about what others think: It can put you on the established path—the my-isn’t-that-impressive path—and keep you there for a long time. Maybe it stops you from swerving, from ever even considering a swerve, because what you risk losing in terms of other people’s high regard can feel too costly. Maybe you spend three years in Massachusetts, studying constitutional law and discussing the relative merits of exclusionary vertical agreements in antitrust cases. For some, this might be truly interesting, but for you it is not. Maybe during those three years you make friends you’ll love and respect forever, people who seem genuinely called to the bloodless intricacies of the law, but you yourself are not called. Your passion stays low, yet under no circumstance will you underperform. You live, as you always have, by the code of effort/result, and with it you keep achieving until you think you know the answers to all the questions—including the most important one. Am I good enough? Yes, in fact I am. What happens next is that the rewards get real. You reach for the next rung of the ladder, and this time it’s a job with a salary in the Chicago offices of a high-end law firm called Sidley & Austin. You’re back where you started, in the city where you were born, only now you go to work on the forty-seventh floor in a downtown building with a wide plaza and a sculpture out front. You used to pass by it as a South Side kid riding the bus to high school, peering mutely out the window at the people who strode like titans to their jobs. Now you’re one of them. You’ve worked yourself out of that bus and across the plaza and onto an upward-moving elevator so silent it seems to glide. You’ve joined the tribe. At the age of twenty-five, you have an assistant. You make more money than your parents ever have. Your co-workers are polite, educated, and mostly white. You wear an Armani suit and sign up for a subscription wine service. You make monthly payments on your law school loans and go to step aerobics after work. Because you can, you buy yourself a Saab. Is there anything to question? It doesn’t seem that way. You’re a lawyer now. You’ve taken everything ever given to you—the love of your parents, the faith of your teachers, the music from Southside and Robbie, the meals from Aunt Sis, the vocabulary words drilled into you by Dandy—and converted it to this. You’ve climbed the mountain. And part of your job, aside from parsing abstract intellectual property issues for big corporations, is to help cultivate the next set of young lawyers being courted by the firm. A senior partner asks if you’ll mentor an incoming summer associate, and the answer is easy: Of course you will. You have yet to understand the altering force of a simple yes. You don’t know that when a memo arrives to confirm the assignment, some deep and unseen fault line in your life has begun to tremble, that some hold is already starting to slip. Next to your name is another name, that of some hotshot law student who’s busy climbing his own ladder. Like you, he’s black and from Harvard. Other than that, you know nothing—just the name, and it’s an odd one. Barack.

Arbitrages: The purchase of a security and the simultaneous sale of one or more other securities into which it was to be exchanged under a plan of reorganization, merger, or the like. Liquidations: Purchase of shares which were to receive one or more cash payments in liquidation of the company’s assets. Operations of these two classes were selected on the twin basis of (a) a calculated annual return of 20% or more, and (b) our judgment that the chance of a successful outcome was at least four out of five. Related Hedges: The purchase of convertible bonds or convertible preferred shares, and the simultaneous sale of the common stock into which they were exchangeable. The position was established at close to a parity basis—i.e., at a small maximum loss if the senior issue had actually to be converted and the operation closed out in that way. But a profit would be made if the common stock fell considerably more than the senior issue, and the position closed out in the market. Net-Current-Asset (or “Bargain”) Issues: The idea here was to acquire as many issues as possible at a cost for each of less than their book value in terms of net-current-assets alone—i.e., giving no value to the plant account and other assets. Our purchases were made typically at two-thirds or less of such stripped-down asset value. In most years we carried a wide diversification here—at least 100 different issues.

It was a hugely significant moment: with one stroke of the pen, in return for a relatively modest payment of Rs2.6 million,* and Clive’s cynical promise on behalf of the Company to govern ‘agreeably to the rules of Mahomed and the law of the Empire’, the Emperor agreed to recognise all the Company’s conquests and hand over to it financial control of all north-eastern India. Henceforth, 250 East India Company clerks backed by the military force of 20,000 Indian sepoys would now run the finances of India’s three richest provinces, effectively ending independent government in Bengal for 200 years. For a stock market-listed company with profit as its main raison d’être, this was a transformative, revolutionary moment.

If you murder someone in another clan, your fellow clan members will be responsible for paying blood money to the victim’s clan, and the size of this payment won’t depend on whether you killed the guy by accident—your arrow deflected off the deer you were hunting—or by executing a carefully planned homicide. Moreover, if your clan doesn’t pay the prescribed blood money, the victim’s clan will hold all members culpable and seek revenge by killing someone from your clan without regard to the victim’s intentions. By contrast, when ripped from the binding ties of their relational networks, an actor’s intentions, goals, and beliefs become much more important.

Typically, Westerners are lured by money, sexual favours and the excitement of clandestine operations. Money appears to be the most common bait for those Westerners, judging by the cases that have become public. A target might be offered a modest sum for a short ‘white paper’ on, for example, US–China trade relations. Once payment for information has been normalised, larger payments and requests for confidential information are made, until the line has been crossed into illegality. In the case of commercial secrets, the target, such as an engineer at a high-tech US company, might be offered a trip with expenses paid plus a stipend to give a lecture at a university in China.

Putin demanded that St. Petersburg companies register with the Committee for External Relations to turn over data on their finances. Working with the tax inspectorate, Putin’s analysts examined firms’ tax payment records.

I needed to master one more concept essential to understanding derivatives, and closely related to the calculations the BT trader had asked me to perform: present value. “Present value” is the value of a payment, expressed in today’s dollars. For example, the present value of $100 to be received today is $100. However, the present value of $100 to be received in a year is less than $100. In general, the present value of an amount to be received in the future is less than the present value of the same amount to be received today.

Against justice (against J. Stuart Mill). I abhor the man's vulgarity when he says, "What is right for one man is fair for another; do unto others as you would have them do unto you." Such principles would found the whole of human relations on the basis of reciprocal services, so that every action would appear to be a kind of payment for something done for us. What is presupposed here is ignoble in the worst sense: it is presupposed that there is some sort of equivalence in value between my actions and yours; the most personal value of an action is simply annulled (that aspect of it which is incommensurable and uncompensable).

Against justice (against J. Stuart Mill). I abhor the man's vulgarity when he says, "What is right for one man is fair for another; do unto others as you would have them do unto you." Such principles would found the whole of human relations on the basis of reciprocal services, so that every action would appear to be a kind of payment for something done for us. What is presupposed here is ignoble in the worst sense: it is presupposed that there is some sort of equivalence in value between my actions and yours; the most personal value of an action is simply annulled (that aspect of it which is incommensurable and uncompensable). This notion "reciprocity" is really quite vulgar. On the contrary, it is precisely the fundamental conviction — that what I do could not and should not be done by another; that there must be no compensation (except in the most select circles, among "my equals", inter pares); that in a profound sense we can never truly repay anyone, because we are unique and only do what is unique — which is the source of aristocratic isolation from the multitude, because the multitude believe in "equality" and consequently in compensability and "reciprocity".

The selection of common stocks for the portfolio of the defensive investor should be a relatively simple matter. Here we would suggest four rules to be followed: 1. There should be adequate though not excessive diversification. This might mean a minimum of ten different issues and a maximum of about thirty.† 2. Each company selected should be large, prominent, and conservatively financed. Indefinite as these adjectives must be, their general sense is clear. Observations on this point are added at the end of the chapter. 3. Each company should have a long record of continuous dividend payments. (All the issues in the Dow Jones Industrial Average met this dividend requirement in 1971.) To be specific on this point we would suggest the requirement of continuous dividend payments beginning at least in 1950.* 4. The investor should impose some limit on the price he will pay for an issue in relation to its average earnings over, say, the past seven years. We suggest that this limit be set at 25 times such average earnings, and not more than 20 times those of the last twelve-month period. But such a restriction would eliminate nearly all the strongest and most popular companies from the portfolio. In particular, it would ban virtually the entire category of “growth stocks,” which have for some years past been the favorites

Let’s start with the assumption that all members of a household enjoy an equal standard of living. Measuring poverty by household means that we lack individual level data, but in the late 1970s, the UK government inadvertently created a handy natural experiment that allowed researchers to test the assumption using a proxy measure.16 Until 1977, child benefit in Britain was mainly credited to the father in the form of a tax reduction on his salary. After 1977 this tax deduction was replaced by a cash payment to the mother, representing a substantial redistribution of income from men to women. If money were shared equally within households, this transfer of income ‘from wallet to purse’ should have had no impact on how the money was spent. But it did. Using the proxy measure of how much Britain was spending on clothes, the researchers found that following the policy change the country saw ‘a substantial increase in spending on women’s and children’s clothing, relative to men’s clothing’.

In many countries, customers are charged no explicit transaction fees, as payers or payees. The FSP in these cases is recouping costs, and possibly making a profit, from related service fees or revenue sources such as account balances. The most typical, and most lucrative, of these “adjacencies” is lending: account balances (arguably there because of incoming and outgoing payments) are used by the bank to lend money, profitably, to other customers.

The four main factors you’ll want to investigate are: 1. Borrower’s credit: Look for whether they’re paying their bills regularly and on time, how much debt they have in relation to their income (the debt-to-income ratio, or DTI), and the status of the senior lien. 2. Borrower’s payment history: The longer someone has been making mortgage payments, the more likely they are to keep doing so; it demonstrates their commitment to the property. 3. Fair market value (FMV): Find the current FMV of the property, as it affects the equity (ownership stake) in the property; if the property has declined substantially, you may not be able to recover your investment if the borrower defaults. 4. Location: With real estate debt, geography matters for several reasons including state foreclosure laws, local demographics (which can affect future property values), and area economy.

All one must do is remember basic math. If one system that administers medical payments require hundreds of duplicate services, equipment, software, & databases, and must make profits for passive investors, and must pay thousands of executives millions of dollars, then it is mathematically impossible for that system to be more efficient than one that must provide the same medical payments without those expenses and overhead. Not even an inordinate amount of waste and fraud in any single-payer system would likely match the legalized fraud of the private healthcare insurance system. It is simply basic math.

Under the gold standard, exchange rates were fixed, so that the balance of payments had to adjust through domestic deflation. White, like Keynes, concluded that it should be the other way around. “I believe there is definitive evidence,” White wrote, “that alterations in the domestic price level are far more costly to the nation than frequent alterations in the exchange rate would be.” The United States “would be courting trouble to place ourselves in a position similar to that which we found ourselves between 1929 and 1933,” a period of persistent deflation.

Western countries are rarely in budget surplus and thus end up building debt over the cycle.The increase of the debt-to-GDP ratio is a fundamentally negative development for the lower and middle classes. The debt acts as a transfer of wealth from average taxpayers to the better off. The mechanism of this wealth transfer is relatively simple, as the interest paid to finance payment to the bond holders is funded by the general budget. Thus, bondholders, by definition people with savings, receive payments financed by the tax collected from the general population. Effectively, the debt sucks in a percentage of income revenues and spits it back out to wealthy savers in the form of interest payments.

I was recently reminded of one possible reason that so many therapists are so insistent on arriving at a clinical diagnosis, and, not surprisingly, it’s directly related to problems with the health care system in America. A licensed professional counselor who has worked in the mental health field for many years wrote to say that even though she grew up in a family who strongly believe in the paranormal and in their own psychic gifts, “working with [psychic] kids is definitely a challenge in a pure clinical practice since this is not something you can bill insurance for.” Her point is very valid. Medical and mental health professionals must provide a clinical—and billable—diagnosis in order to receive payment from insurance companies. It is frightening to imagine how many children have been misdiagnosed, mislabeled, and mistreated because of the need to satisfy insurance guidelines!

A minor bureaucrat’s demand for payment to process a form is condemned as corruption. A national leader’s sweetheart privatization of public assets to friends and relatives is applauded as market liberalization.

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.

Difference Between Freelancing & Outsourcing What is Freelancing? The term freelancer was first published in 1819 in a book by a writer named Walter Scott. Since then, various speculations about freelancing started. What is Freelancing? Why do freelancing? What is required to be efficient in freelancing? All kinds of questions started to arise. The word free means 'Free' and the word lance means 'Instrument' by which something is done. That is, the full meaning of Freelancing stands for “Doing something that is free or independent”. Freelancing is basically a profession where you can earn money by doing various types of work over the internet. Be it inside the country or outside the country. What is Outsourcing? "Outsourcing" is the short form of the English word Outside Resourcing. The term outsourcing was first coined around 1989 and was first seen as a business strategy. Later in the 1990s, this subject was included as an important component of business economics. Since then people started to have various interests in outsourcing. Out means 'Outside' and source means 'Source'. In other words, the whole meaning of Outsourcing is "To bring work from an external source". Outsourcing means the process of taking the work of an organization or company from an external source. For example – “Can't find any qualified person within the company to do a job in your company. So you offer some money to an outside freelancer to do the job and he agrees to do the job. Well, that's called Outsourcing”. Difference Between Freelancing & Outsourcing: Hope you have a clear idea about what is freelancing and what is outsourcing and that there are no questions in your mind about these topics. Now let's discuss the differences between freelancing and outsourcing in detail – 1. Origin: Freelancing started around 1998 and its journey started from GURU, a freelancing marketplace then known as SOFTmoonlighter.com. On the other hand, the term outsourcing was first coined around 1989 and was first seen as a business strategy. 2. Relation: A freelancer gets his payment from an outside source after doing the work. On the other hand, an outsourced contractor provides both the work and the payment at the end of the work to the freelancer. 3. Activities: Freelancers do not have to follow any rigid rules when it comes to working. They can work or start whenever they want, as long as they can submit work before their deadline. He will get payment only if he can submit the work on time or he will not be paid. 4. Payment: A freelancer will agree to receive the exact amount of payment before doing a job, and will get the same amount as the contract at the end of the job. But he will not get any monthly salary. On the other hand, similarly, an outsourced contractor pays the freelancers at the end of the contracted work. In this case, the outsourced contractors also do not keep the freelancers as any kind of salaried employees. 5. Advantages: A freelancer is everything when it comes to freelancing. He decides his own schedule. No one can force him to work, he can work whenever he wants and quit when he wants. A freelancer does not have to give office hours from 9 a.m. to 5 p.m. and can work any time within 24 hours. You can work at home, so there is no need to go to the office to work. 6. Disadvantages: There are some risks involved in freelancing. There is no guarantee that you will be offered any work or that you will be paid. Since you are not entering into a contract in person, the possibility of non-payment or fraud remains. In the case of freelancing, every month's income is not the same, you can earn as much money as you work. Moreover, you may not always find the job you want. If this article of mine is of any use to you or you like it, then definitely share it and help others to know. Please Visit Our Website (Bhairab IT Zone) to read more Articles related to Freelancing and Outsourcing, Thank You.

Even as PayPal was zooming out of the gate, there was no point at which the company could rest easy. Escape velocity is not a fixed speed. It’s always relative to competition. Your fastest competitor determines how hard you hit the gas. And PayPal had a fierce competitor in eBay, which was itself rolling out a new online payment system.

What is Outsourcing? "Outsourcing" is the short form of the English word Outside Resourcing. The term outsourcing was first coined around 1989 and was first seen as a business strategy. Later in the 1990s, this subject was included as an important component of business economics. Since then people started to have various interests in outsourcing. Out means 'Outside' and source means 'Source'. In other words, the whole meaning of Outsourcing is "to bring work from an external source". Here are the key aspects of outsourcing: 1. Opportunities: It can encompass a wide range of functions including customer support, information technology services, human resources functions, manufacturing, accounting, marketing, and more. 2. Benefits: Outsourcing offers several benefits including cost savings, access to specialized skills and technology, increased efficiency, scalability, and ability to focus on core competencies. 3. Global Reach: Outsourcing is not restricted by geographical boundaries. That's why companies can engage service providers from around the world to access global talent pools and cost advantages. 4. Types of Outsourcing: Outsourcing can be divided into several categories. Such as Business Process Outsourcing (BPO), Information Technology Outsourcing (ITO), Knowledge Process Outsourcing (KPO), and many more depending on the nature of the service being outsourced. 5. Challenges: Although outsourcing can offer many benefits. It also presents challenges related to data security, communication, cultural differences, and the need for effective management of outsourcing relationships. 6. Outsourcing model: Companies can choose from several outsourcing models, including offshoring (outsourcing to a service provider in another country), nearshoring (outsourcing to a service provider in a nearby country), and onshoring (outsourcing to a service provider within the same country). Outsourcing means the process of taking the work of an organization or company from an external source. For example – “You Can't find any qualified person within the company to do a job in your company. So you offer some money to an outside freelancer to do the job and he agrees to do the job. Well, that's called outsourcing”. Simply put, Outsourcing is basically the payment you pay a freelancer to do the work they are good at. Please Visit Our Blogging Website to read more Articles related to Freelancing and Outsourcing, Thank You.

What is Outsourcing? "Outsourcing" is the short form of the English word Outside Resourcing. The term outsourcing was first coined around 1989 and was first seen as a business strategy. Later in the 1990s, this subject was included as an important component of business economics. Since then people started to have various interests in outsourcing. Out means 'Outside' and source means 'Source'. In other words, the whole meaning of Outsourcing is "to bring work from an external source". Here are the key aspects of outsourcing: 1. Opportunities: It can encompass a wide range of functions including customer support, information technology services, human resources functions, manufacturing, accounting, marketing, and more. 2. Benefits: Outsourcing offers several benefits including cost savings, access to specialized skills and technology, increased efficiency, scalability, and ability to focus on core competencies. 3. Global Reach: Outsourcing is not restricted by geographical boundaries. That's why companies can engage service providers from around the world to access global talent pools and cost advantages. 4. Types of Outsourcing: Outsourcing can be divided into several categories. Such as Business Process Outsourcing (BPO), Information Technology Outsourcing (ITO), Knowledge Process Outsourcing (KPO), and many more depending on the nature of the service being outsourced. 5. Challenges: Although outsourcing can offer many benefits. It also presents challenges related to data security, communication, cultural differences, and the need for effective management of outsourcing relationships. 6. Outsourcing model: Companies can choose from several outsourcing models, including offshoring (outsourcing to a service provider in another country), nearshoring (outsourcing to a service provider in a nearby country), and onshoring (outsourcing to a service provider within the same country). Outsourcing means the process of taking the work of an organization or company from an external source. For example – “You Can't find any qualified person within the company to do a job in your company. So you offer some money to an outside freelancer to do the job and he agrees to do the job. Well, that's called outsourcing”. Simply put, Outsourcing is basically the payment you pay a freelancer to do the work they are good at. Please Visit Our Blogging Website named (Bhairab IT Zone) to read more Articles related to Freelancing and Outsourcing, Thank You.

Traffic tickets and license related issues can be difficult to navigate. The typical situation is often more complicated than just a simple fine payment. Points on a license, insurance increases, assessments based on point accumulation, potential employment implications, suspension or revocation of your privilege to drive. Failure to manage even a single traffic violation properly could have a massive impact. If you’re dealing with a ticket or related issue, it’s always a good idea to do a little research before deciding how to proceed. We’ve been doing this for a long time, and these types of issues have and continue to be the sole focus of our firm. Our traffic ticket lawyers in NYC and beyond are happy to offer free consultations to anyone who contacts us.

Freelancing and Creativity - In Freelancing, doing a job in different ways is called creativity. The importance of creativity is immense among all that is required for freelancing work because creativity is the main thing of freelancing. It is difficult to give an exact definition of creativity. Because there is no end to creativity. In the case of some, creativity or the development of creativity begins to manifest naturally, while for some it manifests through talent, practice, and practice. Creativity is basically a mental process that is the result of positive thinking, perseverance, and high analytical ability. Just as it takes practice, practice, and dedication to develop this creativity, there is a high chance that this creativity will be wasted if it is not properly used or applied. Below are the causes of creativity loss and ways to increase Creativity: ** Reasons for loss of Creativity - Lack of focus on work – Creativity does not arise if there is no focus on work, to complete a task properly, there must be focus on it. Irregular sleep – the brain does not work properly if you do not sleep properly, repeated sleep disturbances can also cause many mental problems that hinder creativity. Suffering from indecisiveness – Having too many negative thoughts running through your head while doing a task can also hamper creativity. For example: if the work is going well, if the client likes it, if the client doesn't like it, if the client doesn't pay, etc. Fear of not succeeding at work – Many people rush to work for quick cash income, but it does not work properly or on the contrary, more creativity is lost, which results in payment time problems. As a result, the fear of not succeeding enters the freelancer. ** Ways to Increase Creativity - Dietary discipline – Of course, there is no substitute for healthy eating. Consuming regular meals maintains mental and physical well-being which in turn enhances creativity. Gaining knowledge from nature – Nature is the main source of knowledge. All the sages and poets in the world were worshipers of nature. All of them could see something extraordinary in the ordinary things of this nature. Try to see it that way. From everyday events – notice what is happening around you. You can get new ideas from it, for example, you can get an idea on any subject by reading a book, and new ideas can be invented while watching TV or watching newspaper advertisements. Write down ideas – We all have something going on in our heads all the time, either mainly through thought or sensory processing. So whenever you get an idea, note it down so that you don't forget to read it. So, creativity is created by the combination of ideas and skills. Freelancing is unthinkable without this creativity because to do freelancing you must have a clear idea about something or acquire full skill in that subject. Please Visit Our Blogging Website to read more Articles related to Freelancing and Outsourcing, Thank You.

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.

T20 World Cup Betting: A Quick Guide The T20 World Cup is one of the most exciting events in the cricketing calendar, bringing together top teams from around the world for a fast-paced, action-packed tournament. For many fans, placing a bet can add even more excitement to the games. Here’s a brief guide to get you started with T20 World Cup betting. What is T20 World Cup Betting? T20 World Cup betting involves wagering on various outcomes related to the tournament. This can range from predicting the overall winner of the World Cup to specific match outcomes or player performances. Types of Bets Match Bets: Wager on the outcome of individual matches. Outright Bets: Bet on which team will win the entire tournament. Prop Bets: Bet on specific events, like the top run-scorer in a match. How to Bet Choose a Platform: Select a reputable betting site like Bet365 or Betway. Create an Account: Sign up and verify your details. Deposit Funds: Add money to your account using a secure payment method. Place Bets: Choose your bets based on your research and predictions. Tips for Successful Betting Research: Study team form, player statistics, and match conditions. Set a Budget: Only bet what you can afford to lose. Stay Informed: Keep up with the latest news and updates. Responsible Betting Betting should always be fun and done responsibly. Set limits for yourself and seek help if betting becomes a problem. Betting on the T20 World Cup can enhance your enjoyment of the game, but always remember to bet wisely and responsibly.

What is Outsourcing? "Outsourcing" is the short form of the English word Outside Resourcing. The term outsourcing was first coined around 1989 and was first seen as a business strategy. Later in the 1990s, this subject was included as an important component of business economics. Since then people started to have various interests in outsourcing. Out means 'Outside' and source means 'Source'. In other words, the whole meaning of Outsourcing is "to bring work from an external source". Here are the key aspects of outsourcing: 1. Opportunities: It can encompass a wide range of functions including customer support, information technology services, human resources functions, manufacturing, accounting, marketing, and more. 2. Benefits: Outsourcing offers several benefits including cost savings, access to specialized skills and technology, increased efficiency, scalability, and ability to focus on core competencies. 3. Global Reach: Outsourcing is not restricted by geographical boundaries. That's why companies can engage service providers from around the world to access global talent pools and cost advantages. 4. Types of Outsourcing: Outsourcing can be divided into several categories. Such as Business Process Outsourcing (BPO), Information Technology Outsourcing (ITO), Knowledge Process Outsourcing (KPO), and many more depending on the nature of the service being outsourced. 5. Challenges: Although outsourcing can offer many benefits. It also presents challenges related to data security, communication, cultural differences, and the need for effective management of outsourcing relationships. 6. Outsourcing model: Companies can choose from several outsourcing models, including offshoring (outsourcing to a service provider in another country), nearshoring (outsourcing to a service provider in a nearby country), and onshoring (outsourcing to a service provider within the same country). Outsourcing means the process of taking the work of an organization or company from an external source. For example – “You Can't find any qualified person within the company to do a job in your company. So you offer some money to an outside freelancer to do the job and he agrees to do the job. Well, that's called outsourcing”. Simply put, outsourcing is basically the payment you pay a freelancer to do the work they are good at.

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.

The fact that de-industrialization is mainly caused by the comparative dynamism of the manufacturing sector vis-à-vis the service sector does not tell us anything about how well it is doing compared to its counterparts in other countries. If a country’s manufacturing sector has slower productivity growth than its counterparts in other countries, it will become internationally uncompetitive, leading to balance of payments problems in the short run and falling standards of living in the long term. In other words, de-industrialization may be accompanied by either economic success or failure. Countries should not be lulled into a false sense of security by the fact that de-industrialization is due to comparative dynamism of the manufacturing sector, as even a manufacturing sector that is very undynamic by international standards can be (and usually is) more dynamic than the service sector of the same country. Whether or not a country’s manufacturing sector is dynamic by international standards, the shrinkage of the relative weight of the manufacturing sector has a negative impact on productivity growth.

The fastest-growing units in the big Western companies are the legal and public relations departments. Big companies devote the bulk of their earnings to buying back shares and boosting dividend payments.

As we’ll discuss in more detail in chapter 6, a platform’s ability to monetize the value of the exchanges it facilitates is directly related to the types of currency exchange it can capture and internalize. A platform that can internalize the flow of money may be well placed to charge a transaction cut—for example, the fee of 10 percent of the sale price typically charged by eBay after a successful auction. A platform that can capture only attention may monetize its business by collecting payments from a third party that considers the attention valuable—for example, an advertiser willing to pay Facebook for “eyeballs” attracted by posts related to a particular topic. The platform’s goal, then, is to bring together producers and consumers and enable them to engage in these three forms of exchange: of information, of goods or services, and of currency. The platform provides an infrastructure that participants plug in to, which provides tools and rules to make exchanges easy and mutually rewarding.

The lawyer’s stakes at the table turned out to be not even colonial notes of the usual baffling variability, but certificates drawable upon a tobacco warehouse in Virginia, and Smith presented one without much hope, the first time he tried their use as payment. But it was accepted without demur, at fifty-five per centum of face, New-York’s merchants seeming all to maintain within themselves a register of values for every conceivable money-substitute they might encounter. Wampum, tobacco bales, rum by the gallon: it was all money, in a world without money. Between the tobacco tickets and his own pointedly-returned guineas, Smith calculated he now possessed enough to reach Christmas in relative ease – if he could avoid being knocked on the head for spoiling De Lancey’s game against the Governor, or offending in some other role pressed upon him, or falling victim to a misadventure entirely unsuspected.

Funny thing about this world,” Adams said carefully. “Legally, a sovereign government can protect its interests pretty well as long as it doesn’t start open war and involve the big powers. Certainly a sovereign government can arm merchant ships and protect them against harassment by international gangsters. But there are a lot of sovereigns in name who haven’t the means to protect themselves and have to rely on someone else…” “You mean Tonga,” the prince said. He frowned, then shrugged. “But I must agree. We wish the British were still protecting us. But they’re not, and we see no one else we’d like to have as partners.” Adams nodded. “Now also in this world are big companies—like, say, Nuclear General—who have more than enough power to protect their interests but have no legal right to do it because they aren’t sovereign. The United States is supposed to look after our interests, but we don’t see them doing much of it. Delicate state of relations, world opinion—” Adams broke off, his jaw set. “Mostly lack of ability, of course. With welfare payments where they are the U.S. can’t even do proper research, much less—well. If Tonga were to nationalize some of Nuclear General’s ships, you’d have the right to arm them, declare them protected by your sovereignty…” “You’re asking us to expropriate your property?” Toki asked. “Well, we’d expect to be paid for it.” “But we don’t have the money to pay you… This is silly.” “You’d have enough money if you leased the ships to us. We’d pay very well for their use. At least as much, say, as we’d have to ask for if you nationalized them.” A slow grin spread across Toki’s bronze face.

A (house)wife now performs the tasks once distributed between servants of different rank or undertaken by the maid of all work. Her ‘core’ jobs are cleaning, shopping, cooking, washing-up, laundering and ironing.44 She also looks after her children, frequently cares for aged parents or other relatives, and is sometimes incorporated to a greater or lesser degree as an unpaid assistant in her husband’s work. This aspect of being a wife is visible in many small shops or in the activities of the wives of clergymen and politicians, but the same service is provided, less visibly, to husbands in all kinds of occupations. A wife, for example, contributes research assistance (to male academics), acts as hostess (to a business man’s clients), answers the phone and keeps the books (for a small business man).45 However, as Christine Delphy has argued, to list the tasks of a housewife tells us only so much. The list cannot explain why exactly the same services can be bought in the market, or why a particular task is performed without pay by a wife, yet she would get paid for providing the service if she worked, for example, in a restaurant or for a firm of contract cleaners.46 The problem is not that wives perform valuable tasks for which they are not paid (which has led some feminists to argue for state payment or wages for housework). Rather, what being a woman (wife) means is to provide certain services for and at the command of a man (husband). In short, the marriage contract and a wife’s subordination as a (kind of) labourer, cannot be understood in the absence of the sexual contract and the patriarchal construction of ‘men’ and ‘women’ and the ‘private’ and ‘public’ spheres.

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The ‘I’ principle has reached the ‘does not matter, need not be’ state, and is not related to form. There is nothing but it, and nothing beyond it, so therefore it alone is complete and eternal. It is indestructible itself, but has the power to destroy – therefore it alone is true freedom and existence. Through it comes immunity from all sorrow: therefore its spirit is ecstasy. Renounce everything by the Neither-Neither meditation, and take shelter in the Neither-Neither state. Surely it is the abode of the Kiã? It is our unconditional release from duality and time: it is effective even if only symbolically reached. Once the belief is free from all ideas except pleasure, the Karma of displeasure speedily exhausts itself through Karmic law. In that moment beyond time, the ego becomes its own gratifier by its own law, its every wish gratified without the payment of sorrow. Here, there is no necessitation; ‘does not matter-need not be’ and ‘please your self ’ are its creeds. In that state, what you wish to believe can be true, without subjection to beliefs from outside. The Ego has now become the Absolute, and can be pleased by this imitation of the means of government: he uses these means, but is himself ungoverned. Kiã is the supreme bliss; this is the psychology of ecstasy by non-resistance.

Following the Soviet invasion, the Communists, to their credit, passed decrees making girls’ education compulsory and abolishing certain oppressive tribal customs—such as the bride-price, a payment to the bride’s family in return for her hand in marriage. However, by massacring thousands of tribal elders, they paved the way for the “commanders” to step in as the new elite. Aided by American and Saudi patronage, extremism flourished. What had once been a social practice confined to areas deep in the hinterlands now became a political practice, which, according to ideologues, applied to the entire country. The modest gains of urban women were erased. “The first time a woman enters her husband’s house," Heela “told me about life in the countryside, “she wears white”—her wedding dress—“and the first time she leaves, she wears white”—the color of the Muslim funeral shroud. The rules of this arrangement were intricate and precise, and, it seemed to Heela, unchanged from time immemorial. In Uruzgan, a woman did not step outside her compound. In an emergency, she required the company of a male blood relative to leave, and then only with her father’s or husband’s permission. Even the sound of her voice carried a hint of subversion, so she was kept out of hearing range of unrelated males. When the man of the house was not present, boys were dispatched to greet visitors. Unrelated males also did not inquire directly about a female member of the house. Asking “How is your wife?” qualified as somewhere between uncomfortably impolite and downright boorish. The markers of a woman’s life—births, anniversaries, funerals, prayers, feasts—existed entirely within the four walls of her home. Gossip, hopscotching from living room to living room, was carried by husbands or sons.

The bourgeoisie, wherever it has got the upper hand, has put an end to all feudal, patriarchal, idyllic relations. It has pitilessly torn asunder the motley feudal ties that bound man to his ‘natural superiors’, and has left remaining no other nexus between man and man than naked self-interest, than callous ‘cash payment’. It has drowned the most heavenly ecstasies of religious fervour, of chivalrous enthusiasm, of philistine sentimentalism, in the icy water of egotistical calculation. It has resolved personal worth into exchange value, and in place of the numberless indefeasible chartered freedoms, has set up that single, unconscionable freedom – Free Trade. In one word, for exploitation, veiled by religious and political illusions, it has substituted naked, shameless, direct, brutal exploitation.

If your account is debited but the transaction does not go through, SBI provides for real-time reversals for technical declines and amount would be transferred back to your account immediately. In case the amount is not reversed, you can raise a dispute through SBI YONO LITE app itself. If your account is debited but the transaction does not go through, SBI provides for real-time reversals for technical declines and amount would be transferred back to your account immediately. In case the amount is not reversed, you can raise a dispute through SBI YONO LITE app itself. One of the major advantages of the facility is that the customer need not register the beneficiary in order to transfer funds. However, in case of sending money using beneficiary’s Virtual ID, the beneficiary should mandatorily be registered with UPI. In case of payment through Account number +IFSC or Aadhaar number, the beneficiary need not be registered for UPI. When this happens, your funds will instantly be returned to your Cash App balance or linked bank account. If not, they should be available within 1–3 business days, depending on your bank. I got my ID approved and added my debit card as well as my bank as a backup. However, neither of them are working as well as another credit card I've tried when I try to load cash onto the app. Every time I try to add cash in order to buy BTC, it gives me the error "This transfer failed" but does not give me an explanation. I got my ID approved and added my debit card as well as my bank as a backup. However, neither of them are working as well as another credit card I've tried when I try to load cash onto the app. Every time I try to add cash in order to buy BTC, it gives me the error "This transfer failed" but does not give me an explanation.Does anyone know why this may be happening? Could it possibly be related to the fact that my physical square cash debit card has not arrived yet?I contacted support and got this response: "Thank you for your reply. I’m very sorry you’re unable to Add Cash right now. We’re rolling out this feature to more customers, keep an eye out for updates to the app!In the meantime, rest assured that you can still send funds directly from your debit card."I am unsure what exactly he means by this, because I cannot rest assured as I am not able to send funds from my debit card or by any other method. Help? According to recent statements by the company, there are more than 7 million Cash App users and with such a large base of users, there are some common Cash App problems. Payments failed on Cash App is one of such issues that users face. If your Cash App failed to send money and wondering why does my Cash App transfer keep failing then there is no need to worry you can fix Cash App transfer failed issue. You must read this blog to resolve Cash App transfer failed and follow some easy steps. Samuel Earney Login to follow Square's Cash App is a peer-to-peer payment app that allows you to send and receive money with friends and family, without any requirement of cash on hand. Cash App is the most secure payment gate away. When someone sends you money on the Cash App, then it is a virtual currency and stays in the app. If you have an activated Cash App Card, you can use it as a debit card and spend your balance anywhere that accepts Visa. The Cash app direct deposit feature was recently added to make its deposit features more accessible and the use of this app can certainly speed up the process for people unable to access bank accounts. Cash App allows you to directly deposit your paycheck into your Cash App account, invest the funds in your account balance, and use the Cash Card to make purchases. Cash App is not just a peer to peer digital payment application it is essentially a full-fledged financial tool.

In Massachusetts, for example, an investigation by journalists found that on average a “payment of $50,000 in drug profits won a 6.3 year reduction in a sentence for dealers,” while agreements of $10,000 or more bought elimination or reduction of trafficking charges in almost three-fourths of such cases.49 Federal drug forfeiture laws are one reason, Blumenson and Nilsen note, “why state and federal prisons now confine large numbers of men and women who had relatively minor roles in drug distribution networks, but few of their bosses.

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My mother’s side came to the United States from Germany and Switzerland in the 1770s. In 1785 one of my descendants went west to Indiana on horseback. He sold his horse for a down payment on some property and then walked back to get the rest of the family. Most of our ancestors — from both sides — moved to Pennsylvania from Europe. I also have an Amish relative that many Amish know about

The bourgeoisie, wherever it has got the upper hand, has put an end to all feudal, patriarchal, idyllic relations. It has pitilessly torn asunder the motley feudal ties that bound man to his “natural superiors”, and has left remaining no other nexus between man and man than naked self-interest, than callous “cash payment”. It has drowned the most heavenly ecstasies of religious fervour, of chivalrous enthusiasm, of philistine sentimentalism, in the icy water of egotistical calculation. It has resolved personal worth into exchange value, and in place of the numberless indefeasible chartered freedoms, has set up that single, unconscionable freedom — Free Trade. In one word, for exploitation, veiled by religious and political illusions, it has substituted naked, shameless, direct, brutal exploitation. The bourgeoisie has stripped of its halo every occupation hitherto honored and looked up to with reverent awe. It has converted the physician, the lawyer, the priest, the poet, the man of science, into its paid wage laborers.

The invaders brought into Britain a principle common to all Germanic tribes, namely, the use of the money power to regulate all the legal relations of men. If there was any equality it was equality within each social grade. If there was liberty it was mainly liberty for the rich. If there were rights they were primarily the rights of property. There was no crime committed which could not be compounded by a money payment.

Developing a business depends on many factors. But you should basically understand the exchange between value. In other words, you must provide value to receive equal value. If you look at single people, you can see that they can’t provide any value – they don’t smile, dress, talk or behave in a way that makes others want to spend time, much less a life, with them. Relationships and Business are not much different. In a business, people know that appearance and the way you talk to a costumer is as important as the value of your product, and that’s why brands sell, even when their products have no quality. For example, in shopping malls you can see shops packed with people buying clothes that have no value and will be ruined or out of fashion very soon, because the brand is selling an image, not quality anymore. China, on the other hand, managed to compete in the world markets by reducing price over quality, and is now paying the price of a very bad reputation, as most people don’t trust Chinese brands anymore. This is already impacting the economy, so I don’t know what will happen in the next years. It’s all in the hands of the politicians and the internationalization of the companies. Actually, that’s why this Chinese government sends its companies to other countries. And yet, I just said this to explain the relation between value and product. But here’s another. I tried to share what I know about Learning with Teachers, Parents and Psychologists, and nobody cared. Besides, what I earned in helping children with learning disabilities was a very low payment, and I had to quit that as I couldn’t afford to pay an apartment and daily expenses with such job. However, there are people making thousands of dollars with drugs that have no effect, toilets for cats and pet-rocks. In other words, is never about what the world needs but what the world wants.

There has been much talk about the alleged exploitation of the debtor nations by the creditor nations. But if the concept of exploitation is to be applied to these relations, it is rather an exploitation of the investing by the receiving nations. These loans and investments were not intended as gifts. The loans were made upon solemn stipulation of payment of principal and interest. The investments were made in the expectation that property rights would be respected. With the exception of the bulk of the investments made in the United States, in some of the British dominions, and in some smaller countries, these expectations have been disappointed. Bonds have been defaulted or will be in the next few years. Direct investments have been confiscated or soon will be. The capital-exporting countries can do nothing but wipe off their balances.

What else are we to make of the fact that at the time of the DOJ investigation, more than sixteen thousand people—this out of a population of twenty thousand—had some form of outstanding arrest warrant, nearly all of them relating to a missed payment or court appearance on a traffic fine or a (usually minor) municipal code violation?72

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!

In the dangerous kingdom of silence is our raft floating hundreds of corpses are visible on the shoreline burned in sunlight for long they are deformed those whose life had vibrated till now in happiness and grief electric current whose life once while vibrating from desire to desire those lives had flown In this dangerous kingdom of silence is our raft floating burning sun overhead on right is golden colour in the river green carpet on sandy strip peeps a naked man is seated on that strip all alone seeing the raft he jumps in water waves his hand while being washed away by tide as is wants to say something know one knows where he drowns in the heavy current with half ton biscuit and a few saris this small raft floats downstream Dark hall-room lavender fragrance touches nose many men are running this way trampling corpses of relatives jumps over for a fistful of food fights for it with each other dies hundreds of incorporeal species in electric light though goods for charity are not sufficient terrible dearth of vehicles and in order to reach the distressed area the administration never finds a way out in the absence of diggers between one to one & half thousand were buried in one pit Sir payment was Rupees two per day news further says that four persons in Bhootnath's house died when the house fell over them when they were sleeping though his state of affairs was more or less same happiness was not meagre in that tiny house today beneath open sky small time truck driver Bhoothnath stoops with his head between his knees the Sub Divisional Officer said. Twenty rupees more could not be given today from poverty alleviating fund because the person who has the keys to the cupboard has not come.

Chasing tax cheats using normal procedures was not an option. It would take decades just to identify anything like the majority of them and centuries to prosecute them successfully; the more we caught, the more clogged up the judicial system would become. We needed a different approach. Once Danis was on board a couple of days later, together we thought of one: we would extract historical and real-time data from the banks on all transfers taking place within Greece as well as in and out of the country and commission software to compare the money flows associated with each tax file number with the tax returns of that same file number. The algorithm would be designed to flag up any instance where declared income seemed to be substantially lower than actual income. Having identified the most likely offenders in this way, we would make them an offer they could not refuse. The plan was to convene a press conference at which I would make it clear that anyone caught by the new system would be subject to 45 per cent tax, large penalties on 100 per cent of their undeclared income and criminal prosecution. But as our government sought to establish a new relationship of trust between state and citizenry, there would be an opportunity to make amends anonymously and at minimum cost. I would announce that for the next fortnight a new portal would be open on the ministry’s website on which anyone could register any previously undeclared income for the period 2000–14. Only 15 per cent of this sum would be required in tax arrears, payable via web banking or debit card. In return for payment, the taxpayer would receive an electronic receipt guaranteeing immunity from prosecution for previous non-disclosure.17 Alongside this I resolved to propose a simple deal to the finance minister of Switzerland, where so many of Greece’s tax cheats kept their untaxed money.18 In a rare example of the raw power of the European Union being used as a force for good, Switzerland had recently been forced to disclose all banking information pertaining to EU citizens by 2017. Naturally, the Swiss feared that large EU-domiciled depositors who did not want their bank balances to be reported to their country’s tax authorities might shift their money before the revelation deadline to some other jurisdiction, such as the Cayman Islands, Singapore or Panama. My proposals were thus very much in the Swiss finance minister’s interests: a 15 per cent tax rate was a relatively small price to pay for legalizing a stash and allowing it to remain in safe, conveniently located Switzerland. I would pass a law through Greece’s parliament that would allow for the taxation of money in Swiss bank accounts at this exceptionally low rate, and in return the Swiss finance minister would require all his country’s banks to send their Greek customers a friendly letter informing them that, unless they produced the electronic receipt and immunity certificate provided by my ministry’s web page, their bank account would be closed within weeks. To my great surprise and delight, my Swiss counterpart agreed to the proposal.19

PROSTITUTION – AN ACT OF SEX (A POEM) BY E.T.H…AINA Hey young girl, Why do you want sex often and often? Oh! Dogs ate your placenta! And now your clitoris is always itchy. Hey little bro, why is your penis always nodding Like a read headed agama lizard? And you always want to insert it somewhere. Lemme open your eyes to some things. Girlie, to you, prostitution is just a practice Of engaging in sexual relations for payment or benefits. Hear this, prostitution is sexual harassment, Sexual exploitation, often worse. You become in your mind what your client does or says. It is internally damaging and disgraceful as he uses you to learn various sex patterns What he can’t do with the girl he truly loves. From Backstairs Boogy to Deep Impact, from the Head Game to Arc de Triomp And from Ladder Loving to the Pinwheel, from Electric Slide to Passion Propeller He uses you like a public convenience – a toilet After all, he pays for your ungodly service. After being used as a sex-slave, You’ll still suffer spiritually – what a pity. Girl, remember when the act of sex takes place, There is a spiritual union. Brotherly, hear this, he that has sex with a prostitute Becomes one body with her. He leaves a part of his DNA in her. Something a condom can’t protect you against. Back to you, young girl. You think sex is just pleasurable You moan – f**k me hard, give it to me, Baby Oh, I’m enjoying it. Oh, I’ve almost reached orgasm Then you cum and he cums – loba’tan! You think it’s over, right? You may not know – but he might be using you to enhance his wealth And your insufficient glory is depleting. Bro, you have done it, ten rounds. Champion! But what has gone out of you If only you have a spiritual eye – then you will be sober. Your sperm has been saved inside a black and red ritual calabash She will use it to boost her fame. Bro, it is finished! Wait, you think it is over, right? What if you contract diseases – chlamydia, HIV and AIDS If things fall apart, you tend to suffer on earth And fire will burn you in heaven. Na me talk ham – so, think ham oooo Copyright @2019 E.T.H…AINA All right reserved: no part of the publication may be reproduced, stored in a retrieval system, or transmitted in any forms or by any means, electronically, photocopy, recording or otherwise, without the prior written permission of the poet -E.T.H…AINA (hercules_temitope@yahoo.com)/+2348184171204

This leaves us with the logical rationale, which I find much more persuasive. It focuses on the methodology at work as the argument unfolds: the dialectical and relational opposition between use-value and exchange-value as embodied in the commodity; the externalization of that opposition in the money-form as a way to represent value and facilitate commodity exchange; the internalization of this contradiction by the money-form as both a medium of circulation and a measure of value; and the resolution of that contradiction through the emergence of relations between debtors and creditors in the use of money as a means of payment.

Developing a business depends on many factors. But you should basically understand the exchange between value. In other words, you must provide value to receive equal value. If you look at most singles, you can see that they can’t provide any value – they often don’t smile, dress, talk or behave in a way that makes others want to spend time, much less a lifetime, with them. Relationships and businesses are not much different. In a business, people know that appearance and the way you talk to a costumer is as important as the value of your product, and that’s why brands sell, even when their products have no quality. For example, in shopping malls you can see shops packed with people buying clothes that have no value and will be ruined or out of fashion very soon, because the brand is selling an image, not quality anymore. China, on the other hand, managed to compete in the world market by reducing price over quality, and is now paying the cost of a very bad reputation, as most people don’t trust Chinese brands anymore. This is already impacting the economy, so I don’t know what will happen in the next years. It is all in the hands of the politicians and the internationalization of the companies. And yet, I just said this to explain the relation between value and product. But here’s another example: I tried to share what I know about learning with teachers, parents and psychologists, and nobody cared. Besides, what I earned in helping children with learning disabilities was a very low payment, and I had to quit that as I couldn’t afford to pay an apartment and daily expenses with such job. However, there are people making thousands of dollars with drugs that have no effect, toilets for cats and pet-rocks. In other words, it is never about what the world needs but what the world wants.

Developing a business depends on many factors. But you should basically understand the exchange between value. In other words, you must provide value to receive equal value. If you look at single people, you can see that they can’t provide any value – they don’t smile, dress, talk or behave in a way that makes others want to spend time, much less a life, with them. Relationships and Business are not much different. In a business, people know that appearance and the way you talk to a costumer is as important as the value of your product, and that’s why brands sell, even when their products have no quality. For example, in shopping malls you can see shops packed with people buying clothes that have no value and will be ruined or out of fashion very soon, because the brand is selling an image, not quality anymore. China, on the other hand, managed to compete in the world markets by reducing price over quality, and is now paying the price of a very bad reputation, as most people don’t trust Chinese brands anymore. This is already impacting the economy, so I don’t know what will happen in the next years. It’s all in the hands of the politicians and the internationalization of the companies. And yet, I just said this to explain the relation between value and product. But here’s another example. I tried to share what I know about Learning with Teachers, Parents and Psychologists, and nobody cared. Besides, what I earned in helping children with learning disabilities was a very low payment, and I had to quit that as I couldn’t afford to pay an apartment and daily expenses with such job. However, there are people making thousands of dollars with drugs that have no effect, toilets for cats and pet-rocks. In other words, is never about what the world needs but what the world wants.

That normality goes like this: on arrival in Ajdabiya, you’re locked in a compound until your extended family cobbles together the cash to pay the smugglers. Wherever your relatives are, be it Israel, Sudan or even the UK, the smugglers will have a contact your family can pay in person. No refugees will pay the money themselves before they reach Ajdabiya, because the smugglers might not take them all the way. And no one carries cash to pay on arrival, because it will be stolen. So your family will have to find $1,600 in retrospective payment for the desert journey. And if your family hasn’t got that money, the smugglers torture you while your family listens on the phone.

In non-US settings with single public payers, such as the United Kingdom, Canada, and many European countries, the payer perspective may be the most relevant for healthcare decisions and would typically include a broader array of medical costs, benefits, and harms. As noted above, the US private payer perspective omits an important proportion of medical costs borne by patients, namely, out-of-pocket costs (co-payments and deductibles), as well as time costs incurred by patients and informal (unpaid) caregivers and their transportation costs. In the United States, we call the perspective that includes medical costs borne by both payers and patients the healthcare sector perspective. This is one of two Reference Case analyses recommended here (Recommendations 2–3). Because some interventions also impose significant time costs on patients and informal caregivers, analysts or decision makers may wish to include these costs as well, a perspective we call the healthcare sector with time cost perspective. Quantifying time costs may be relatively straightforward for some interventions but more challenging for others (Russell 2009). Some interventions to improve health may have important consequences outside of the healthcare sector. For example, a successful intervention to treat substance abuse might reduce costs in the criminal justice system. A successful intervention for autism may positively affect educational attainment. Public health interventions may have particularly broad consequences across non-healthcare sectors, including the environment and the criminal justice system. For interventions that have important non-healthcare sector consequences, we recommend that the analyst include such consequences when feasible. We call the perspective that includes all consequences across sectors the societal perspective (Recommendation 4). Thus, the societal

Five months later, Goldman launched Project Maximus, buying another $1.75 billion in bonds to finance 1MDB’s acquisition of power plants from the Malaysian casino-and-plantations conglomerate Genting Group. Again, the fund paid a high price, and, like Tanjong, Genting made payments to a Najib-linked charity. This time, $790.3 million disappeared into the look-alike Aabar. David Ryan, president of Goldman’s Asia operations, argued to lower the fee on the second bond, given how easy it had been to sell the first round. But he was overruled by senior executives, including Gary Cohn. While Goldman was working on the deal, Ryan was effectively sidelined; the bank brought in a veteran banker, Mark Schwartz, a proponent of the 1MDB business, as chairman in Asia, a post senior to Ryan’s. Goldman earned a little less than the first deal, making $114 million—still an enormous windfall. For bringing in the business, Leissner was paid a salary and bonuses in 2012 of more than $10 million, making him one of the bank’s top-remunerated employees. But that was just the tip of the iceberg. Unknown to his bosses at Goldman, and three months after the first bond, millions of dollars began to flow into a British Virgin Islands shell company controlled by Leissner, some of which he shared with Roger Ng, according to Department of Justice filings. Millions of dollars more moved through Leissner’s shell company to pay bribes to 1MDB officials. Over the next two years, more than $200 million in 1MDB money, raised by Goldman, would flow through accounts controlled by Leissner and his relatives. He could have taken his hefty Goldman salary and disavowed knowledge of the bribery carried out by Low and others. Perhaps he would have gotten away with it, as many Wall Street bankers do in countries far from headquarters. But he decided to take a risk by becoming a direct accomplice in the fraud, rather than just greasing its wheels. He had seen the kind of life Low was leading, and he must have thought that a mere $10 million wasn’t going to cut it, not if he wanted to buy super yachts and host parties himself. Soon he would be doing just that.

The Importance of Bookkeeping Services for Doctors Managing the financial side of a medical practice can be challenging for doctors, as they are often focused on providing quality patient care. However, maintaining accurate financial records is essential for the success of any healthcare practice. Bookkeeping services tailored specifically for doctors help ensure that their financial transactions are organized, compliant, and manageable, allowing them to focus on what they do best—caring for patients. Why Doctors Need Specialized Bookkeeping Services Doctors face unique financial complexities, such as billing for medical services, managing insurance claims, handling payroll for staff, and keeping track of medical supplies and equipment. Additionally, they must ensure compliance with healthcare regulations and tax laws. Professional bookkeeping services designed for doctors take these unique needs into account, helping physicians streamline their financial operations. As a result, they can avoid errors, reduce administrative burdens, and improve cash flow. Accurate Billing and Cash Flow Management One of the key challenges doctors face is managing billing and cash flow. With a constant flow of patients and complex insurance claims, maintaining an accurate record of all transactions is essential. Bookkeeping services ensure that billing is handled efficiently, minimizing delays in receiving payments. This service also helps manage insurance claims, reducing errors that could lead to delayed reimbursements. By keeping track of revenue and expenses, bookkeepers ensure that doctors maintain a healthy cash flow. Tax Compliance and Planning Doctors often qualify for specific tax deductions related to medical equipment, staff salaries, and office expenses. However, navigating the complexities of healthcare tax regulations can be difficult. Bookkeeping services help doctors stay compliant by keeping their financial records organized and accurate, making it easier to file taxes and take advantage of available deductions. Additionally, bookkeepers can assist in planning for tax obligations throughout the year, ensuring that there are no surprises during tax season. Financial Reporting for Growth Bookkeeping services also provide doctors with valuable financial reports that offer insights into their practice’s performance. By analyzing income, expenses, and cash flow trends, doctors can make more informed decisions about expanding services, hiring staff, or investing in new equipment. These reports give a clear picture of the financial health of the practice, enabling better long-term planning. In conclusion, specialized bookkeeping services for doctors are essential for maintaining accurate financial records, ensuring tax compliance, and improving cash flow. By outsourcing bookkeeping tasks, doctors can focus more on patient care while gaining peace of mind that their financials are in order.

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