Payout Quotes

was starting to sink in that for the rest of my life, the people I met, the people I became close to—there would always be a chance that they saw me as a payout.

The Lottery, with its weekly pay-out of enormous prizes, was the one public event to which the proles paid serious attention. It was probable that there were some millions of proles for whom the Lottery was the principal if not the only reason for remaining alive. It was their delight, their folly, their anodyne, their intellectual stimulant. Where the Lottery was concerned, even people who could barely read and write seemed capable of intricate calculations and staggering feats of memory. There was a whole tribe of men who made their living simply by selling systems, forecasts, and lucky amulets. Winston had nothing to do with the Lottery, which was managed by the Ministry of Plenty, but he was aware (indeed everyone in the party was aware) that the prizes were largely imaginary. Only small sums were actually paid out, the winners of the big prizes being nonexistent persons.

Some might call me a “tease”, but don’t believe it. “Tease” implies that I owe him something, that I should feel guilty. As if my flirtation is forced on him and he merely tolerates it for an eventual pay-out. That’s bullshit. We both have goals in our little game; why should his goal (sex) take priority over mine (to mess with his head)? Is it because he’s a man? In that case I must object on principle. Superhero Meda establishing gender-equality one almost-kiss at a time!

When a sex tape gets made a star is born with a publicity agent on speed dial a six figure payout and a line of tacky lingerie in the works

People who buy annuities, it turns out, live longer than people who don’t, and not because the people who buy annuities are healthier to start with. The evidence suggests that an annuity’s steady payout provides a little extra incentive to keep chugging along.

Hey, Choo? Wanna take odds on our survival tonight? We are in Vegas, after all. I think we should up the ante and have a huge payout for whoever calls in.” – Sasha

He had promised my payout would be halfway to six figures. And it was. It was three figures.

All benefits in life come from compound interest, whether in money, relationships, love, health, activities, or habits. I only want to be around people I know I’m going to be around for the rest of my life. I only want to work on things I know have long-term payout.

The Lottery, with its weekly pay-out of enormous prizes, was the one public event to which the proles paid serious attention. It was probable that there were millions of proles for whom the Lottery was the principal if not the only reason for remaining alive. It was their delight, their folly, their anodyne, their intellectual stimulant. Where the Lottery was concerned, even people who could barely read and write seemed capable of intricate calculations and staggering feats of memory.

Here’s the deal, y’all. God. Already. Knows. His people are a hot, sinful mess, so when we simply acknowledge that and repent, He’s waiting with open arms. We don’t have to justify ourselves because Jesus already did that on the cross. So the risk of repentance doesn’t lead to punishment—it leads to the unilateral forgiveness and unconditional affection of our Creator Redeemer. Vegas only wished it had a payout that humongous.

One sticking point was that Jobs wanted his payout to be in cash. Amelio insisted that he needed to "have skin in the game" and take the payout in stock that he would agree to hold for at least a year.” Jobs resisted. Finally, they compromised: Jobs would take $120 million in cash and $37 million in stock, and he pledged to hold the stock for at least six months.

Peace isn’t a byproduct of control, the payout of a happy conclusion. Peace is the infiltrating, life-giving presence of a very real God. One who loves nothing more than to step into the middle of locked and darkened rooms and impossible circumstances, close enough to touch.

I had, of course, witnessed hundreds of people in a casino before, mindlessly dropping coins into slot machines. They don't play for money in America. It's true. The big payout is incidental to most gamblers. It's the numbness they're after. Not so in China. No one had that look of glazed stupor often found in American casinos.

Slot machines leverage this psychological weakness to incredible effect. The unpredictability of payout makes it harder to stop. Social media does the same. Posting to Twitter might yield a big social payoff, in the form of likes, retweets, and replies. Or it might yield no reward at all. Never knowing the outcome makes it harder to stop pulling the lever.

distribute insurance payouts. While 100% of issued call values were previously required to be paid as an insurance pr

Do not trust historical data—especially recent data—to estimate the future returns of stocks and bonds. Instead, rely on interest and dividend payouts and their growth/failure rates.

Denmark recently became the first country to pay worker compensation to women who had developed breast cancer after years of night-shift work in government-sponsored jobs, such as nurses and air cabin crew. Other governments—Britain, for example—have so far resisted similar legal claims, refusing payout compensation despite the science.

Well, buying an annuity means you give the insurance company a lump sum—say, $500,000 at age 60—and in return you get a guaranteed monthly payout (for example, $2,400 each month) for the rest of your life, however long that happens to be. Like all insurance, annuities aren’t free—insurance companies have to make money to stay in business!—but if your goal is to maximize the life experiences you can buy with the money you’ve earned, they’re a very sensible solution. That’s partly because, even after the insurance company’s fees, your monthly payouts amount to more than you would probably be willing to pay yourself if you wanted to make sure you didn’t outlive your money. For example, one popular rule of thumb for retirement spending is the “4 percent rule,” whereby you withdraw 4 percent from your savings each year of retirement. Well, with annuities, your annual payouts will probably amount to more than 4 percent of what you put into the annuity—and, unlike the 4 percent withdrawals, those payouts are guaranteed to continue for the rest of your life.

Everything about this project was dark alley, cloak and dagger. Even the way they financed the operation was highly unconventional: using secret contingency funds, they back-doored payment to Lockheed by writing personal checks to Kelly for more than a million bucks as start-up costs. The checks arrived by regular mail at his Encino home, which had to be the wildest government payout in history. Johnson could have absconded with the dough and taken off on a one-way ticket to Tahiti. He banked the funds through a phony company called “C & J Engineering,” the “C & J” standing for Clarence Johnson. Even our drawings bore the logo “C & J”—the word “Lockheed” never appeared. We used a mail drop out at Sunland, a remote locale in the San Fernando Valley, for suppliers to send us parts. The local postmaster got curious about all the crates and boxes piling up in his bins and looked up “C & J” in the phone book and, of course, found nothing. So he decided to have one of his inspectors follow our unmarked van as it traveled back to Burbank. Our security people nabbed him just outside the plant and had him signing national security secrecy forms until he pleaded writer’s cramp.

Statisticians say that stocks with healthy dividends slightly outperform the market averages, especially on a risk-adjusted basis. On average, high-yielding stocks have lower price/earnings ratios and skew toward relatively stable industries. Stripping out these factors, generous dividends alone don’t seem to help performance. So, if you need or like income, I’d say go for it. Invest in a company that pays high dividends. Just be sure that you are favoring stocks with low P/Es in stable industries. For good measure, look for earnings in excess of dividends, ample free cash flow, and stable proportions of debt and equity. Also look for companies in which the number of shares outstanding isn’t rising rapidly. To put a finer point on income stocks to skip, reverse those criteria. I wouldn’t buy a stock for its dividend if the payout wasn’t well covered by earnings and free cash flow. Real estate investment trusts, master limited partnerships, and royalty trusts often trade on their yield rather than their asset value. In some of those cases, analysts disagree about the economic meaning of depreciation and depletion—in particular, whether those items are akin to earnings or not. Without looking at the specific situation, I couldn’t judge whether the per share asset base was shrinking over time or whether generally accepted accounting principles accounting was too conservative. If I see a high-yielder with swiftly rising share counts and debt levels, I assume the worst.

Sometimes reparations is used to justify a feeding frenzy in which minority claimants simply raid the U.S. Treasury en masse while government bureaucrats facilitate a large transfer of wealth from the taxpayer to these so-called historical victims. A scandalous example of this is the Pigford case. Some ninety-one black farmers had sued the U.S. government alleging a legacy of bias against African Americans. Rather than settle the suit and pay the farmers a reasonable compensation, the Obama administration used the lawsuit to make an absurdly expensive settlement. It agreed to pay out $1.33 billion to compensate not only the ninety-one plaintiffs but also thousands of Hispanic and female farmers who had never claimed bias in court. Encouraged by this largesse, law firms began to conjure up new claimants. Later reviews showed that some of these claimants were nursery-school-age children and even urban dwellers who had no connection to farming. In some towns, the number of people being paid was many times greater than the total number of farms. According to the New York Times, one family in Little Rock, Arkansas, had ten members each submit a claim for $50,000, netting $500,000 for the family without any proof of discrimination. Then the Native Americans got in on the racket, and the Obama administration settled with them, agreeing to fork over an additional $760 million. The government also reimbursed hundreds of millions of dollars in legal fees, a cornucopia for trial lawyers who also happen to be large contributors to Obama and the Democratic Party. Altogether the Pigford payout is estimated to have cost taxpayers a staggering $4.4 billion.3

Usually, these services went something like this: an aggressive message on why going to hell would be like putting your face in the fire while listening to AC/DC, and that the solution to hell is to “ask Jesus into your heart.” In this paradigm, Jesus becomes the ticket out of a bad situation, and all that’s required to get your free pass is to “repeat this simple prayer after me.” And, poof…you’re “saved” and now a fully vetted Jesus follower. American Christianity has been poorly marketing Jesus in this way for years. The deep, mysterious, and beautifully difficult message of Jesus becomes diluted to the point that we sing, “I have decided to follow Jesus” or “All to Jesus I Surrender” as we make our way up the aisle—thinking that following Jesus is actually that simple. What’s worse is that often our motivation for “asking Jesus into our hearts” is that we’re petrified of the myriad of ways that Jesus will have us tortured for eternity if we don’t properly pray the “sinner’s prayer” to show him that we love him back. From that night forward, we’re supposed to faithfully attend a “Bible-believing church” and destroy our Guns n’ Roses CDs in order to show that we actually meant it when we prayed it. In American Christianity, we’re often sold this bill of goods that makes following Jesus look relatively easy…as if it were a singular event instead of a radical new lifestyle. Said the magic prayer? Check. Willing to go to church? Check. Going to work really hard to cut back on how much I use the “F word”? Check. The rewards of following this simple, relatively easy checklist of what it means to follow Jesus supposedly has a huge payout. Not only do we get to claim our “get out of hell free” card, but

When the day of the meeting arrived, Anna opened by acknowledging ABC’s biggest gripes. “We understand that we brought you on board with the shared goal of having you lead this work,” she said. “You may feel like we have treated you unfairly, and that we changed the deal significantly since then. We acknowledge that you believe you were promised this work.” This received an emphatic nod from the ABC representatives, so Anna continued by outlining the situation in a way that encouraged the ABC reps to see the firms as teammates, peppering her statements with open-ended questions that showed she was listening: “What else is there you feel is important to add to this?” By labeling the fears and asking for input, Anna was able to elicit an important fact about ABC’s fears, namely that ABC was expecting this to be a high-profit contract because it thought Anna’s firm was doing quite well from the deal. This provided an entry point for Mark, who explained that the client’s new demands had turned his firm’s profits into losses, meaning that he and Anna needed to cut ABC’s pay further, to three people. Angela, one of ABC’s representatives, gasped. “It sounds like you think we are the big, bad prime contractor trying to push out the small business,” Anna said, heading off the accusation before it could be made. “No, no, we don’t think that,” Angela said, conditioned by the acknowledgment to look for common ground. With the negatives labeled and the worst accusations laid bare, Anna and Mark were able to turn the conversation to the contract. Watch what they do closely, as it’s brilliant: they acknowledge ABC’s situation while simultaneously shifting the onus of offering a solution to the smaller company. “It sounds like you have a great handle on how the government contract should work,” Anna said, labeling Angela’s expertise. “Yes—but I know that’s not how it always goes,” Angela answered, proud to have her experience acknowledged. Anna then asked Angela how she would amend the contract so that everyone made some money, which pushed Angela to admit that she saw no way to do so without cutting ABC’s worker count. Several weeks later, the contract was tweaked to cut ABC’s payout, which brought Anna’s company $1 million that put the contract into the black. But it was Angela’s reaction at the end of the meeting that most surprised Anna. After Anna had acknowledged that she had given Angela some bad news and that she understood how angry she must feel, Angela said:

Nor did we hear on the campaign trail that Obama would push gay marriage, open borders, near-permanent zero interest rates, six consecutive $1 trillion deficits, and record food-stamp and Social Security disability payouts. He criticized Bush for relatively minor executive orders, suggesting that he would never rule by fiat — as he since has done in matters of Obamacare, immigration law, and environmental regulations. Remember the promise of ending the revolving door and stopping aides from cashing in — and then follow the post-administration careers of Obama’s closest advisers.

How much longer?” Then I lift a brow to let him know I was screwing with him. Some might call me a “tease”, but don’t believe it. “Tease” implies that I owe him something, that I should feel guilty. As if my flirtation is forced on him and he merely tolerates it for an eventual pay-out. That’s bullshit. We both have goals in our little game; why should his goal (sex) take priority over mine (to mess with his head)? Is it because he’s a man? In that case I must object on principle. Superhero Meda establishing gender-equality one almost-kiss at a time!

The idea of antifragility, for which evolution is the most important example, gives us tremendous guidance: o   Seek out low-cost options in your business and look for convex payouts. o   Embrace trial and error processes, and foster entrepreneurship. o   Embrace randomness, and be aware that attempts to mask or limit its effects may seem to work in the short run but could have big consequences in the future. o   Value diversity; it is important in evolutionary processes. Finally, we reviewed unpredictable changes in systems. Don't be lulled into complacency. Grove's "Only the paranoid survive" are words to live by.

The Lottery, with its weekly pay-out of enormous prizes, was the one public event to which the proles paid serious attention. It was probable that there were some millions of proles for whom the Lottery was the principal if not the only reason for remaining alive. It was their delight, their folly, their anodyne, their intellectual stimulant. Where the Lottery was concerned, even people who could barely read and write seemed capable of intricate calculations and staggering feats of memory. There

During his first year in office, Congress did just that, passing legislation that changed the formulas governing eligibility and payouts for certain means-tested entitlements.7 These changes led to a roughly 2 percent increase in the poverty rate, the brunt of which was borne by African Americans.

Some scientists have actually done this and guess what? They haven’t found a significant correlation between phases of the Moon and hospital admissions in the emergency room. Nor have researchers found a significant correlation between any phase of the Moon and any of the following: the homicide rate, traffic accidents, crisis calls to police or fire stations, domestic violence, births of babies, suicides, major disasters, casino payout rates, assassinations, kidnappings, aggression by professional hockey players, or violence in prisons. That the facts go against a common belief is not so exceptional. But that people are reluctant to accept facts presented to them indicates just how unnatural critical thinking is.

Based on reports from developers in the Alexa Slack channel, it seems most developers receive something around $100 a month–not enough to get excited about–but it is better than nothing. There is a continuum of payouts, and we know some developers who received around $1500, though that dropped off in the second month as new games were introduced. A very few (maybe five?) may receive $5,000 or possibly as much as $10,000. But it is a very, very short list at that level of payout.

estimate that payouts will amount to 0.003–$0.01 per unit (TBD) for Google and $0.019–$0.035 per utterance for Amazon. It

For political reasons, the government's payout to the sugar industry was patriotically promoted as aid to the struggling family farmer. True, some of the big sugar companies were family owned, but the family members themselves seldom touched the soil. The closest most of them got to the actual crop were the cubes that they dropped in their coffee at the Banker's Club.

Miners are set the task of solving the puzzle for two reasons. One, it imposes a cost on mining, since the computing power it demands is expensive, in terms of both the machinery and the electricity it uses. That helps to regulate mining and create a reciprocal relationship between what otherwise would be free bitcoins and the work required to obtain them. And two, it creates a competition with a payout at the end, which incentivizes the miners to do the work needed to confirm the transactions.

The model is popular because it quickly illustrates that the root cause of common conflicts in enterprising families is individuals’ different roles. For example, the family owner who does not work in the business (i.e., role #4) favors higher dividend payouts from the business. Conversely, a family member who works in the business but is not an owner (i.e., role #6) typically favors reinvesting profits in the family business.

Along all the walls, the greeting cards were arranged by category: "Relationships by Blood"; "Recipients of Dismemberment-Insurance Payouts"; "Must I Have a Reason?"; "Imminent Deaths of Secret Admirers"; "Playing Along as Long as It Takes"; "Moving again?"; "Life is Death's Stopgap, Darling"; "Turning a Blind Eye to You Just This Once More"; "Every Hour Seems to Have Ramparts Around It Now, My Dearest One. I Can No Longer Fight My Way Out.

It’s such an absurd idea that sex workers are the only ones selling themselves. All workers sell their time and labor. Sex workers just often get a better payout for their time.

staking reward is a positive incentive by which users receive a bonus in their token balance based on the amount of capital they have contributed to the system. Options for customization include applying a minimum threshold to all staked balances on a pro rata basis, either a fixed or pro rata payout, and a token that is the same or different from the staked one.

these features have the potential to create an ecosystem in which attention is more directly and precisely compensated. It won’t necessarily end the phenomenon of “clickbait” journalism—presumably, if stories on Kim Kardashian continue to draw people’s attention, they will fetch the highest payouts in BATS. But the option to tip publishers could send more nuanced, informative signals to them. We don’t know for sure how people will behave, but perhaps they’ll be more inclined to tip BATs for a work of insight and effort than for a sexy photo they felt compelled to click on.

It crossed his mind that, given his rescue of Sejanus, the Plinths might provide a loan, or even a payout for his silence, but the Grandma’am would never allow that, and the idea of a Snow groveling before a Plinth was unthinkable

One was to take part in this documentary. And the other was to finally apply for Rachel’s death certificate so I could cash in on her life insurance policy. That was the bigger payout, for sure. But which of those options makes me look worse, do you think? Which one of those makes me look guilty?

FOMO7’s online cricket satta with live updates, secure deposits, and fast payouts. Engage with your favorite sport and experience the thrill of real-time satta on cricket.

I can’t believe you did this.” He leaned close, his warm breath stirring the hair at her temple. “It’s going to cost you.” She stifled a smile, remembering their bet and the subsequent payout. “And I’m not settling for a kiss this time,” he said. “Oh yeah?” “Yeah.” He leaned in and feathered her lips with a kiss. “But we’ll start there and see where it goes.” Her smile quickly faded as he kissed her again, and soon all she heard was the beating of her own heart.

Totalloss Advocates is a right choice to all your worries related to insurance payouts for your total loss vehicle.

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music label exists for four main reasons: talent scouring, financing to rent a studio (like startup capital for a business), distribution, and marketing. From Birdmonster’s angle, they could do all those things themselves, but better and cheaper. They already knew they were talented since they’d been getting gigs. Since they could edit the music on their own computers, they didn’t need financing to rent a studio. CD Baby provided distribution to all the top services like iTunes and Rhapsody, and weekly payouts instead of payout nine months later like traditional record distributors. The effect of their Myspace page (it was the early 2000’s) and a personal email to well known blogs was greater than anything record labels could provide in terms of marketing.

So many New Zealanders don’t seem to see themselves as New Zealanders.  They see themselves as either Maori or European New Zealanders, and these are the principle ethnicity boxes on most forms you fill in.  It seems to make no difference that the European and Maori blood lines are so mixed now as to be inseparable.  If you can prove any Maori blood then you are entitled to a cut of the Treaty payouts, special voting rights and increased rights to certain natural resources.  There's even a Maori political party which, in its very existence, is surely an indictment on the depth of racism through all levels of society.  Is it any surprise that there is resentment and racism in parts of the community towards Maori?

But I've learned that if you fake your death, don't come back. Not for your wife. Not for your girlfriend. Not for your kids. If you fake your death, don't do it at sea. Go for a hike. If you're interested in claiming a life insurance payout, don't get greedy. Keep the policy modest. Don't bother with a stand-in body and an elaborate funeral. Spend your time and money on obtaining quality authenticating documents. In your new life, commit to a disguise for your new identity and use your real first name. Don't google yourself and lead your hunters to your hideout. And for the love of God, don't drive if you're supposed to be dead. Ditch the car.

One of the hardest behaviors to quench in anyone is a habit that is only occasionally rewarded. Want to keep a gambler at a slot machine longer? Make sure the payout schedule is random. Studies show that people who experience random rewards in response to a behavior cling to that behavior much more solidly than those who don’t. This

The company made an additional $9.4 billion in Alibaba’s 2014 IPO (Initial Public Offering). 54   Son wasn’t finished yet. He kept his 34.4% stake in Alibaba.  It was worth $57.8 billion at the time of the Initial Public Offering in 2014. He waited for almost 14 years to see the payout and he is still holding on to his shares. He doesn’t need to sell. That is long-term investing at its finest, where one single decision can make all the difference and everything else pale in comparison. The

Social Security recipients will get a 1.7% cost-of-living raise starting in January, the Social Security Administration announced Wednesday. For the average retired person receiving Social Security, monthly payments would rise $22 to $1,328 from $1,306. The average couple's benefits would rise to $2,176 from $2,140. Average annual payout: $15,936.

Sample Target Total Cash Compensation Policy: Set the TTCC for each job at the 60th percentile of market practices as presented in the annual industry survey. Payouts for poor performers will be equal to the 25th percentile of pay; top performers will earn payouts equal to or greater than the 90th percentile of labor market rates.

The name Charlotte was a favorite of bettors, along with Diana and Elizabeth, and the British news media reported that bookmakers could be facing huge payouts on the choice. Alice, Victoria and Olivia were also widely favored by bettors.

Louisiana’s fiscal troubles can be traced to the economic boom that followed Hurricane Katrina in 2005, when rebuilding efforts, insurance payouts and federal money pushed cash into the state budget. Many lawmakers expected the heady times and increased revenue to last, and they made the bold decision to cut income taxes by roughly $700 million annually for the highest brackets — a decision some are now second-guessing.

Fruits-&-nuts payout 131 words THIS WOULD be a definite no-no under the new federal guidelines for the NYPD. The city has agreed to pay $8,500 to a Queens man who says a cop squeezed his testicles and referred to him as "fruity.

test subjects played a gambling game while Knutson and his team looked at which areas of their brains became more active. The startling results showed that the nucleus accumbens was not activating when the reward (in this case a monetary payout) was received, but rather, in anticipation of it. The study revealed that what draws us to act is not the sensation we receive from the reward itself, but the need to alleviate the craving for that reward. The stress of desire in the brain appears to compel us, just as it did in Olds’ and Milner’s lab mouse experiments.

THE NEXT day, the President and I announced a new small business lending initiative in the East Room. After I laid out the details in my usual colorless fashion, the President said he wanted to take a moment to discuss his outrage about the AIG bonuses. “I’ve asked Secretary Geithner to use [our] leverage and pursue every single legal avenue to block these bonuses and make the American taxpayers whole,” he said. “I want everybody to be clear that Secretary Geithner has been on the case.” I read a draft of those remarks the morning of the event, and I wasn’t pleased. We didn’t think we could claw back the bonuses that had already been obligated, and even if we could modestly reduce future payouts, raising public expectations seemed unwise. I thought the President should stay as far away from the issue as possible. I didn’t see the need to remind everyone that I was “on the case,” either. But the country

Unlike in the United States, there are no rock-star CEOs with nine-figure stock option payouts in Korea.

Alice paid you. Your vault just received a 164,000 Sol-bit deposit.” “Uh, that’s short of what she said the other night, right?” “Yes. She sent a copy of the bounty payout statement—New Atlas Corporate Consortium charged quite a few fees that she, apparently, hadn’t expected.” “Figures.” Juliet’s lips twisted into a frown. She wanted to be irritated, but still, the bounty money was something she hadn’t banked on, so it felt like a massive payday out of nowhere, and she couldn’t really muster too much annoyance.

Otto stomps the gas to generate an ever-increasing force of G’s that makes me, his baby brother, swallow my caramel-coated butter toffee. Not just for Grandfather does he do this. Not just for that cash money paid by rich drivers wanting insurance payouts for new rides, Otto cranks the steering wheel to kill that always-moving part of himself that all young people need to kill. That reckless, restless you who you don’t want to be anymore by old age.

Meg finally found the words. “They’re killing each other off in a race to the final payout?

Upon receiving a tax-free five-hundred-thousand-dollar payout, Naomi quit her job at the vintage clothing store, decided she wasn’t a vegetarian after all, stopped worrying that her carbon footprint might lead to the destruction of the planet, and booked a series of sea cruises to exotic ports that would keep her on the move for more than two years, until she met Mr. Right on a voyage around South America.

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But as he approached fifty, Kenny yearned to do something different. Someone told him that More Than Money—the same inheritors group Jeff Weissglass got involved with—was hiring an executive director. He landed the position and, in short order, discovered that his pregnant teens had at least one thing in common with these young heirs and heiresses: Society defined and stereotyped both groups by how much money they did or didn’t have. The foundations that funded adolescent pregnancy care assumed the girls were getting knocked up because they were poor, “which was not necessarily true,” Kenny says, whereas the inheritors were pegged as “entitled and spoiled and lazy—and there’s no basis for that.” The anti-inheritor bias proved so toxic that some of Kenny’s former colleagues shunned him after he took the new job. “They’re like, ‘What a sellout! What a cop-out! Why would you do that?’ ” he recalls. “What does it say about our culture that everyone wants to win the lottery in some way, shape, or form, and there’s a whole segment of our culture that hates people who win the big payout.” This is indeed a paradox. Oscar Mayer heir Chuck Collins gave away his $500,000 inheritance in 1986, when he was a young man. (Invested in the S&P 500, it would be worth about $14 million today.) He has since dedicated himself, through the Institute for Policy Studies, to educating the American public about inequality. His memoir, Born on Third Base, includes the following scene: Speaking to a crowd of about 350 people, he asks who among them feels rage toward the wealthiest 1 percent. Almost everyone raises a hand. He then asks, “How many of you wish you were in the wealthiest 1 percent?” They laugh, but again, almost everyone. “People are envious,” Kenny says. “And what you end up doing with envy is demeaning whoever it is that you envy, because they have what we think we deserve.” During his time at More Than Money, Kenny grew friendly with Paul Schervish, then the director of the Center on Wealth and Philanthropy, and when Schervish offered him the associate director job, Kenny jumped. He’d seen how inheritors grappled with their unearned fortunes. Now he wanted to better understand their parents. Havens was the numbers guy “and I was in charge of: ‘I’d like to know what these people are thinking, and nobody ever asks them.’ 

Jason Kurland, forty-seven, represented them all. In fall 2011, Kurland, then an attorney at the Long Island branch of the firm Rivkin Radler specializing in commercial real estate law, received a phone call that would determine his future. The caller, seeking legal advice, had gotten Kurland’s name from another client. Payment would not be an issue because he and two coworkers had just won a $254 million Powerball jackpot. After taxes on their lump-sum payout, they would have $104 million to share. We stereotype lottery winners as financially unsophisticated. Not these guys. They were a founding partner, senior portfolio manager, and chief investment officer for Belpointe Asset Management, a financial firm in Greenwich, Connecticut, where mansions sprout from spacious lots and single-family homes list for quintuple the national median price. Kurland was no lottery expert, but he quickly made it his business to become one. He researched how different states tax lottery winnings, whether and how big jackpot winners need to be identified (at least eight states let them remain anonymous), and the legal tricks one might use, depending on location, to claim a monster windfall. Claiming in the name of a trust or a limited liability corporation, for instance, won’t reduce the initial tax hit, but it may limit a winner’s public exposure. Some states let you claim using a legal entity and others don’t. Some require press conferences. Some allow an attorney to claim the prize as a trustee. “In that case, the attorney signs the back of the ticket—and you have to make sure you trust that attorney,” Kurland said. (We will come to see the irony in that advice.)

What if you want the payouts to continue “forever,” as you might for an endowment? Computer simulations showed me that with the best long-term investments, such as stocks and commercial real estate, annual future spending should be limited to the inflation-adjusted level of 2 percent of the original gift. This surprisingly conservative figure assumes that future investment results will be similar in risk and return to US historical experience. In that case, the chance that the endowment is never exhausted turns out to be 96 percent. The 2 percent spending limit is so low because, if the fund is sharply reduced in its early years by a severe market decline, a higher spending requirement might wipe it out.

It all unfurled like a mink from a femme fatale’s shoulders in an old film noir. All those tales of a taloned beauty with expensive tastes, her callow lover, the unwitting husband, a staged accident for a big insurance payout. They never ended well. Suddenly, Dara felt a coldness inside. It was all so tacky, so déclassé, a voice inside said. It was all so cheap. So unbearably sad.

If every person who had been sterilized at Western State during DeJarnette's tenure as superintendent - a total he estimated to be 1,205 patients - were still alive and received compensation, their collective payout of $30,125000 would still be $219,875,000 lower than what investors think the redeveloped property will be worth some day. If all twenty-eight people who have received compensation collectively pooled their money today, they could purchase at most three condominiums at Western State's Villages at Staunton.

Although at one time a measure of a business’s prosperity, it has become a relic: stocks should simply not be bought on the basis of their dividend yield. Too often struggling companies sport high dividend yields, not because the dividends have been increased, but because the share prices have fallen. Fearing that the stock price will drop further if the dividend is cut, managements maintain the payout, weakening the company even more.

If the widget company consistently earned a superior return on capital throughout the period, or if capital employed only doubled during the CEO’s reign, the praise for him may be well deserved. But if return on capital was lackluster and capital employed increased in pace with earnings, applause should be withheld. A savings account in which interest was reinvested would achieve the same year-by-year increase in earnings—and, at only 8% interest, would quadruple its annual earnings in 18 years. The power of this simple math is often ignored by companies to the detriment of their shareholders. Many corporate compensation plans reward managers handsomely for earnings increases produced solely, or in large part, by retained earnings—i.e., earnings withheld from owners. For example, ten-year, fixed-price stock options are granted routinely, often by companies whose dividends are only a small percentage of earnings. An example will illustrate the inequities possible under such circumstances. Let’s suppose that you had a $100,000 savings account earning 8% interest and “managed” by a trustee who could decide each year what portion of the interest you were to be paid in cash. Interest not paid out would be “retained earnings” added to the savings account to compound. And let’s suppose that your trustee, in his superior wisdom, set the “pay-out ratio” at one-quarter of the annual earnings.

I watch the news. I read things. I know that in the United States, women kill their husbands more than they do in almost any other country. For every one hundred men who kill their wives, there are something like seventy-five women who kill their husbands, if not more. Some people say it’s more like fifty-fifty. When men kill their wives, often it starts with some sort of psychological abuse. Stalking. Manipulation. Gaslighting. But when women do it, it’s usually because she’s already determined that she’s going to die if he doesn’t. But that’s not always the case. Women kill for different reasons other than fear or in self-defense. Sometimes they kill because they’re jealous, because they’re worried their spouse is going to leave them, for life insurance payouts, or some combination of the three.

The next time you go to the supermarket, look closely at a can of peas. Think about all the work that went into it—the farmers, truckers, and supermarket employees, the miners and metalworkers who made the can—and think how miraculous it is that you can buy this can for under a dollar. At every step of the way, competition among suppliers rewarded those whose innovations shaved a penny off the cost of getting that can to you. If God is commonly thought to have created the world and then arranged it for our benefit, then the free market (and its invisible hand) is a pretty good candidate for being a god. You can begin to understand why libertarians sometimes have a quasi-religious faith in free markets. Now let’s do the devil’s work and spread chaos throughout the marketplace. Suppose that one day all prices are removed from all products in the supermarket. All labels too, beyond a simple description of the contents, so you can’t compare products from different companies. You just take whatever you want, as much as you want, and you bring it up to the register. The checkout clerk scans in your food insurance card and helps you fill out your itemized claim. You pay a flat fee of $10 and go home with your groceries. A month later you get a bill informing you that your food insurance company will pay the supermarket for most of the remaining cost, but you’ll have to send in a check for an additional $15. It might sound like a bargain to get a cartload of food for $25, but you’re really paying your grocery bill every month when you fork over $2,000 for your food insurance premium. Under such a system, there is little incentive for anyone to find innovative ways to reduce the cost of food or increase its quality. The supermarkets get paid by the insurers, and the insurers get their premiums from you. The cost of food insurance begins to rise as supermarkets stock only the foods that net them the highest insurance payments, not the foods that deliver value to you. As the cost of food insurance rises, many people can no longer afford it. Liberals (motivated by Care) push for a new government program to buy food insurance for the poor and the elderly. But once the government becomes the major purchaser of food, then success in the supermarket and food insurance industries depends primarily on maximizing yield from government payouts. Before you know it, that can of peas costs the government $30, and all of us are paying 25 percent of our paychecks in taxes just to cover the cost of buying groceries for each other at hugely inflated costs. That, says Goldhill, is what we’ve done to ourselves. As long as consumers are spared from taking price into account—that is, as long as someone else is always paying for your choices—things will get worse.

I swear to God he’s way too obsessed with your personal life that I wouldn’t be surprised if he’s getting a payout from the tabloids or newspapers to leak information about where you’re at or who you’re with.” Shrugging, I stay silent. At this point, nothing would surprise me, but regardless, it all feels real defeating, like I’m stuck with this image for the rest of my career.  “Zee,” Maddison says, slightly under his breath. “Rich works for you. You’re in control here. As much as he likes to make you think you don’t, you hold all the power.

Ayelet Fishbach, a professor of behavioral science and marketing at the University of Chicago, demonstrated that, counterintuitively, people would invest more effort in a task when the task’s payout was uncertain. As she noted in an interview with The Atlantic: “It’s exciting when the stakes are not huge. We try to keep the stakes small enough so excitement doesn’t at any point turn into some terror.

The typical characteristics of the egocentric mentality are arrogance and bravado, but even a submissive personality who is seemingly void of ego can also be self-centered and selfish. He is consumed by his own pain, filled with self-pity, and unable to feel anyone else’s pain while drowning in his own. Such a person experiences no real connection to anyone outside of himself, despite his seemingly noble nature. He will not—cannot—burden himself unless he receives a larger payout in the form of acceptance or approval. His taking is disguised as giving. His fear is dressed up as love. (He may also be motivated by the need to assuage feelings of guilt or inadequacy, yet still his aim is to reduce his own suffering, not someone else’s.)

I won $2 playing the lotto today. And I might win $2 again tomorrow. But if I buy thousands of $1 lottery tickets, each with an expected payout of $.56, then it becomes a near mathematical certainty that I will lose money.

It is our belief that shareholders should demand of their managements either a normal payout of earnings—on the order, say, of two-thirds—or else a clear-cut demonstration that the reinvested profits have produced a satisfactory increase in per-share earnings. Such a demonstration could ordinarily be made in the case of a recognized growth company. But in many other cases a low payout is clearly the cause of an average market price that is below fair value, and here the shareholders have every right to inquire and probably to complain.

given a 10 percent chance of a hundred times payout, you should take that bet every time

The Bowie Bond, as it was known, was attractive to insurance companies, which have to make regular payments to their beneficiaries years into the future. Owning a long-term bond, like a Bowie Bond, is how they hedge risk, because they need an asset that offers a regular stream of payouts. Prudential paid $55 million and in exchange got a 7.9 percent interest payment on their principal for fifteen years.* These interest payments were financed by the income generated by royalties from Bowie’s albums recorded before 1990. If for some reason the music did not generate enough revenue (and exhausted a reserve fund), Bowie’s catalog would be owned by Prudential. But that did not happen, since the income from music royalties is fairly stable for older artists with established catalogs.

she married a laborer named Charles Freeman and then promptly poisoned him and her son for the twenty-pound payout from a burial club she had enrolled them

In Mahalo’s case, executives assumed that paying users would drive repeat engagement with the site. After all, people like money, right? Unfortunately, Mahalo had an incomplete understanding of its users’ drivers. Ultimately, the company found that people did not want to use a Q&A site to make money. If the trigger was a desire for monetary rewards, users were better off spending their time earning an hourly wage. And if the payouts were meant to take the form of a game, like a slot machine, then the rewards came far too infrequently and were too small to matter. However, Quora demonstrated that social rewards and the variable reinforcement of recognition from peers proved to be much more frequent and salient motivators. Quora instituted an upvoting system that reports user satisfaction with answers and provides a steady stream of social feedback. Quora’s social rewards have proven more attractive than Mahalo’s monetary rewards.

The startling results showed that the nucleus accumbens was not activating when the reward (in this case a monetary payout) was received, but rather in anticipation of it. The study revealed that what draws us to act is not the sensation we receive from the reward itself, but the need to alleviate the craving for that reward.

On Nov. 11 of 1998, a physician in San Francisco invested $50,000 in a mutual fund called BT Investment Pacific Basin Equity. In January, scarcely seven weeks after he had bought the BT fund—he got the shock of his investing life. On his original $50,000 investment, BT Pacific Basin had paid out $22,211.84 in taxable capital gains. Every penny of the payout was a short-term gain, taxable at Dr. X’s ordinary income tax rate of 39.6 percent. He suddenly owed nearly $9,000 in federal taxes. As a California resident, he was also in the hole for $1,000 in state tax.

A few days later, Pellegrini took his wife on vacation in Anguilla. Stopping at an automated-teller machine in the hotel lobby on New Year's Eve to withdraw some cash, she checked the balance of their checking account. She was immediately taken aback. On the screen before her was a figure she had never seen before, at least not on an ATM. It's not clear how many others ever had, either: $45 million, newly deposited in their joint account. It was Pellegrini's bonus for the year, including some deferred compensation. He was still special to John Paulson, after all. In truth, Pellegrini had withheld more from his bonus than he needed in order to pay the year's taxes, so the figure in the bank account that day was skimpier than it could have been. Paulson paid him about $175 million for his work in 2007. Pellegrini would never again have to worry about finding a career, keeping a job, or stretching his savings. "Wow," his wife said quietly, still staring at the ATM. Then they left, arm in arm, to meet a chartered boat to take them to nearby St. Barts. Paulson did quite well for himself as well. His hedge fund got to keep 20 percent of the $15 billion or so gains of all his funds. He also was a big investor in the credit funds. His personal tally for 2007: nearly $4 billion. It was the largest one-year payout in the history of the financial markets.

The government currently has unfunded liabilities surpassing $66 trillion.57 That’s $66 trillion in expected entitlement payouts over the coming decades for which there is no known revenue source.58 If nothing is done to scale back the entitlement state, then, according to a report by nonpartisan financial analyst Mary Meeker, “By 2025, entitlements plus net interest payments will absorb all—yes, all—of” government revenues.59

The payout rate has increased substantially, primarily driven by share buybacks. The increase is so large that firms are now repurchasing as much as 3 percent of the book value of their assets each year.

From the point of view of admiralty law, this was a smart position for Morrell to take. The Limitation of Liability Act, passed in 1851, caps a shipowner’s liability to the value of the ship, if the accident is not caused by the vessel owner’s neglect or malfeasance. In other words, as long as a shipping company doesn’t interfere with its captain’s decisions while he or she is at sea, explains admiralty and maritime lawyer Chris Hug, vessel owners can limit their liability when the causes of the accident occurred without their “privity or knowledge.” Shipping was a risky business throughout the nineteenth century; Congress believed that its role was to shelter owners from lawsuits and egregious payouts. Now much of American admiralty law focuses on who is responsible for what, and much of it favors the shipowners. One could say that before the age of satellite communication, the Limitation of Liability Act made a certain amount of sense. When a vessel was out of sight of land, its owners had no means of contacting it. At that point, how could they prevent their officers from making fatal decisions? Holding a shipping company accountable didn’t seem fair. But these days, the law seems profoundly anachronistic. It could even encourage deliberate negligence.

Open your journal and ask yourself this question: “How am I benefitting from putting things off?” This question may sound ridiculous, but there must be a payout to procrastinating, otherwise you wouldn’t be doing it.

the late 1990s, one of the largest slot machine manufacturers hired a former video game executive to help them design new slots. That executive’s insight was to program machines to deliver more near wins. Now, almost every slot contains numerous twists—such as free spins and sounds that erupt when icons almost align—as well as small payouts that make players feel like they are winning when, in truth, they are putting in more money than they are getting back. “No other form of gambling manipulates the human mind as beautifully as these machines,” an addictive-disorder researcher at the University of Connecticut School of Medicine told a New York Times reporter in 2004.

Social Security Disability Plans: This segment of Social Security is different from the more common retirement benefit payout. Two programs are available: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Both programs have stringent eligibility requirements.

At first, Mahalo garnered significant attention and traffic. At its high point, 14.1 million users worldwide visited the site monthly.[lxxxix] But over time, users began to lose interest. Although the payout of the bounties were variable, somehow users did not find the monetary rewards enticing enough. But as Mahalo struggled to retain users, another Q&A site began to boom. Quora, launched in 2010 by two former Facebook employees, quickly grew in popularity. Unlike Mahalo, Quora did not offer a single cent to anyone answering user questions. Why, then, have users stayed highly engaged with Quora, but not with Mahalo, despite its variable monetary rewards? In Mahalo’s case, executives assumed that paying users would drive repeat engagement with the site. After all, people like money, right? Unfortunately, Mahalo had an incomplete understanding of its users’ drivers. Ultimately, the company found that people did not want to use a Q&A site to make money. If the trigger was a desire for monetary rewards, the user was better off spending their time earning an hourly wage. And if the payouts were meant to take the form of a game, like a slot machine, then the rewards came far too infrequently and were too small to matter. However, Quora demonstrated that social rewards and the variable reinforcement of recognition from peers proved to be much more frequent and salient motivators. Quora instituted an upvoting system that reports user satisfaction with answers and provides a steady stream of social feedback. Quora’s social rewards have proven more attractive than Mahalo’s monetary rewards. Only by understanding what truly matters to users can a company correctly match the right variable reward to their intended behavior.

The pressure on life businesses and the capital fears prompted by the 2008 crisis have prompted the industry to build bigger capital cushions and cut costs. This has left insurers in a relatively good position. Investors have enjoyed decent dividends with payouts increasing by a cumulative 70% since 2009, according to FactSet. For shareholders, the risks to returns from life insurance have, so far, been balanced by earnings from nonlife insurance and asset management. Germany’s Allianz has U.S. bond house Pacific Investment Management Co. and nonlife insurance businesses, like property and casualty cover, around the world. Pimco has done well as interest rates declined and bond prices rose, but is expected to suffer once rates rise again—especially since founder Bill Gross walked out. France’s Axa similarly has global nonlife businesses and a large investment manager. However, these businesses ultimately will suffer from low investment returns. In nonlife, insurers can combat this with tougher underwriting standards. But demand for property-type insurance also suffers in a slower economy. Allianz has the lowest financial leverage of the big-three eurozone life insurers, and so has more flexibility to look for higher returns abroad. It also has a substantial general insurance business in the U.S., where rates should head higher sooner, and a higher expected dividend yield than France’s Axa or Italy’s Generali for this year and next.

The Lottery, with its weekly pay-out of enormous prizes, was the one public event to which the proles paid serious attention.

There is an IRMAA appeals process designed to help people whose current incomes are substantially less than their two-year-old MAGI figure. There are eight specific “change of life” factors that might qualify someone for reconsideration of their IRMAA: • Death of spouse • Marriage • Divorce or annulment • Work reduction • Work stoppage • Loss of income from income-producing property • Loss or reduction of certain kinds of pension income • Employer settlement payout Work

To make the cents, one must create what makes sense. Make it make sense, and if there is enough sense in the sense one is trying to make, then there will be no limit to the cents one is going to make.