Premium Or Nothing Quotes

I was not yet in love, but I was in love with love itself; and I sought for something to love, since I loved nothing.

If Edgar sounded overeager, even rushed, the race was with his own temperament. He placed a premium on savvy. Yet since you could only obtain new information by admitting you didn’t know it already, savvy required an apprenticeship as a naive twit. You had to ask crude, obvious questions…you had to sit still while worldly-wise warhorses…fired withering glances as if you were born yesterday. Well, Edgar was born yesterday for the moment, although his tolerance for being treated liked a simpleton was in short supply. He’d needed to rattle off a multitude of stupid questions before he embraced his next incarnation as an insider. The trouble was that savvy coated your brain in plastic like a driver’s license: nothing more could get in. Hence the point at which you decided you knew everything was exactly the point at which you became an ignorant dipshit.

A credit default swap was confusing mainly because it wasn’t really a swap at all. It was an insurance policy, typically on a corporate bond, with semiannual premium payments and a fixed term. For instance, you might pay $200,000 a year to buy a ten-year credit default swap on $100 million in General Electric bonds. The most you could lose was $2 million: $200,000 a year for ten years. The most you could make was $100 million, if General Electric defaulted on its debt any time in the next ten years and bondholders recovered nothing. It was a zero-sum bet: If you made $100 million, the guy who had sold you the credit default swap lost $100 million. It was also an asymmetric bet, like laying down money on a number in roulette. The most you could lose were the chips you put on the table; but if your number came up you made thirty, forty, even fifty times your money.

There is no evil.  30.         There is no absence of life, substance, or intelligence anywhere.  31.          Pain, sickness, poverty, old age, and death cannot master me, for they are not real.  32.         There is nothing in all the universe for me to fear, for greater is He that is within me than he that is in the world.

This "want-to-hard-enough" is the great inciting power in life. Desire is the fire which rouses up the steam of Will. Without Incentive – and that means Desire – we accomplish nothing.

The errors caused by temperament are not to be corrected, because our temperament is perfectly independent of our strength: it is not the case with our character. Heart and head are the constituent parts of character; temperament has almost nothing to do with it, and, therefore, character is dependent upon education, and is susceptible of being corrected and improved. I

It seemed a tragedy to want nothing—and yet he wanted something, something. He knew in flashes what it was—some path of hope to lead him toward what he thought was an imminent and ominous old age.

Fascism has nothing to do with capitalism. Fascism is just a kind of meaningless wickedness, an aberration, 'mass sadism', the sort of thing that would happen if you suddenly let loose an asylumful of homicidal maniacs.

Imagine, if you will, a great reservoir, out of which lead innumerable small rivulets or channels. At its farther end each channel opens out into a small fountain. This fountain is not only being continually filled and replenished from the reservoir but is itself a radiating center whence it gives out in all directions that which it receives, so that all who come within its radius are refreshed and blessed.  41.           This is our relation with God. Each one of us is a radiating center. Each one, no matter how small or ignorant, is the little fountain at the far end of a channel, the other end of which leads out from all there is in God. This fountain represents the individuality, as separate from the great reservoir--God--and yet as one with Him, and without Him we are nothing.

had gradually come to have a realizing sense of the fact that Slade was a man whose heart and hands and soul were steeped in the blood of offenders against his dignity; a man who awfully avenged all injuries, affront, insults or slights, of whatever kind—on the spot if he could, years afterward if lack of earlier opportunity compelled it; a man whose hate tortured him day and night till vengeance appeased it—and not an ordinary vengeance either, but his enemy’s absolute death—nothing less; a man whose face would light up with a terrible joy when he surprised a foe and had him at a disadvantage. A high and efficient servant of the Overland, an outlaw among

Creativity is that special something. It can take you from good to great, from want to need, from admiration to infatuation. It is intangible, emotional, and premium-worthy. It’s honest. It’s simple. It’s generous. It’s beautiful to watch and effortless to enjoy. Once you get in touch with your creativity, nothing else is ever the same. It is an energy deep within, one that connects us all.

Strangest of all, we’ve convinced ourselves that our health has nothing to do with what we eat. People who will spend that extra 20 cents on a gallon of premium gasoline because they realize their car performs better on it will drive straight to McDonald’s for a Big Mac. We create a mental separation between food and illness in our culture, and our modern Western medical system—for the most part—supports this denial.

This is because only two things can fulfill millennials: First is to be completely understood, accepted and respected by a loyal companion whom they respect themselves—a lifelong seduction with someone they can call their own. This level of understanding and intimacy is the only way they can heal the wounds of their treacherous childhood. The second thing is having enough money to live a lifelong vacation and help people along the way—as they are an emotional generation, they are actually compassionate about their fellowmen though they may not seem like it. Nothing dissatisfies this cohort more than the need to fend for basic necessities, as it goes against their lifelong quest to find fulfillment and reduces them to their base human urges they consider beneath them, like fighting for resources and food—an anathema to this generation who puts a premium on self-actualization.

Did you ever think much about jobs? I mean, some of the jobs people land in? You see a guy giving haircuts to dogs, or maybe going along the curb with a shovel, scooping up horse manure. And you think, now why is the silly bastard doing that? He looks fairly bright, about as bright as anyone else. Why the hell does he do that for living? You kind grin and look down your nose at him. You think he’s nuts, know what I mean, or he doesn’t have any ambition. And then you take a good look at yourself, and you stop wondering about the other guy… You’ve got all your hands and feet. Your health is okay, and you make a nice appearance, and ambition-man! You’ve got it. You’re young, I guess: you’d call thirty young, and you’re strong. You don’t have much education, but you’ve got more than plenty of other people who go to the top. And yet with all that, with all you’ve had to do with this is as far you’ve got And something tellys you, you’re not going much farther if any. And there is nothing to be done about it now, of course, but you can’t stop hoping. You can’t stop wondering… …Maybe you had too much ambition. Maybe that was the trouble. You couldn’t see yourself spending forty years moving from office boy to president. So you signed on with a circulation crew; you worked the magazines from one coast to another. And then you ran across a little brush deal-it sounded nice, anyway. And you worked that until you found something better, something that looked better. And you moved from that something to another something. Coffee-and-tea premiums, dinnerware, penny-a-day insurance, photo coupons, cemetery lots, hosiery, extract, and God knows what all. You begged for the charities, You bought the old gold. You went back to the magazines and the brushes and the coffee and tea. You made good money, a couple of hundred a week sometimes. But when you averaged it up, the good weeks with the bad, it wasn’t so good. Fifty or sixty a week, maybe seventy. More than you could make, probably, behind agas pump or a soda fountain. But you had to knock yourself out to do it, and you were standing stil. You were still there at the starting place. And you weren’t a kid any more. So you come to this town, and you see this ad. Man for outside sales and collections. Good deal for hard worker. And you think maybe this is it. This sounds like a right town. So you take the job, and you settle down in the town. And, of course, neither one of ‘em is right, they’re just like all the others. The job stinks. The town stinks. You stink. And there’s not a goddamned thing you can do about it. All you can do is go on like this other guys go on. The guy giving haircuts to dogs, and the guy sweeping up horse manute Hating it. Hating yourself. And hoping.

Relying on our acquired knowledge, we have ventured to discuss the question: Whether the soul is created before us? Whether it arrives from nothing in our bodies? At what age it came and placed itself between the bladder and the intestines, "cæcum" and "rectum"? Whether it received or brought there any ideas, and what those ideas are? Whether, after animating us for a few moments, its essence is to live after us in eternity, without the intervention of God Himself? Whether, it being a spirit, and God being spirit, they are of like nature? These questions have an appearance of sublimity. What are they but questions of men born blind discussing the nature of light?

Another roadblock to opting for an insurance cover amongst the customers is that in case they do not claim, they get nothing back in return to the premium they invested. Hence they consider insurance to be a dead investment. They need to be educated that insurance is more like a social cause. Insurance by its very principles is collection of money by many to pay to a few, in their times of distress. Rather than considering it to be a passive investment, it should be treated as an active social participation where you are securing yourself as well as helping others in their direst times of need. Then it has a higher meaning and everyone feels good to be a part of it.

I wish you to understand that there is one man, and only one, for each woman, and one woman only for each man. When those two meet they fly together and are one through all the endless chain of existence. Until they meet all unions are mere accidents which have no meaning. Sooner or later each couple becomes complete. It may not be here. It may be in the next sphere where the sexes meet as they do on earth. Or it may be further delayed. But every man and every woman has his or her affinity, and will find it. Of earthly marriages perhaps one in five is permanent. The others are accidental. Real marriage is of the soul and spirit. Sex actions are a mere external symbol which mean nothing and are foolish, or even pernicious, when the thing which they should symbolize is wanting. Am I clear?

It's a beautiful thing, the destruction of words. Of course the great wastage is in the verbs and adjectives, but there are hundreds of nouns that can be got rid of as well. It isn't only the synonyms; there are also the antonyms. After all, what justification is there for a word which is simply the opposite of some other word? A word contains its opposite in itself. Take 'good,' for instance. If you have a word like 'good,' what need is there for a word like 'bad'? 'Ungood' will do just as well—better, because it's an exact opposite, which the other is not. Or again, if you want a stronger version of 'good,' what sense is there in having a whole string of vague useless words like 'excellent' and 'splendid' and all the rest of them? 'Plusgood' covers the meaning, or 'doubleplusgood' if you want something stronger still. Of course we use those forms already, but in the final version of Newspeak there'll be nothing else. In the end the whole notion of goodness and badness will be covered by only six words—in reality, only one word. Don't you see the beauty of that, Winston?

It nevertheless remains true that, in most countries for which long-run data are available, stocks have out-performed bonds – by a factor of roughly five over the twentieth century.9 This can scarcely surprise us. Bonds, as we saw in Chapter 2, are no more than promises by governments to pay interest and ultimately repay principal over a specified period of time. Either through default or through currency depreciation, many governments have failed to honour those promises. By contrast, a share is a portion of the capital of a profit-making corporation. If the company succeeds in its undertakings, there will not only be dividends, but also a significant probability of capital appreciation. There are of course risks, too. The returns on stocks are less predictable and more volatile than the returns on bonds and bills. There is a significantly higher probability that the average corporation will go bankrupt and cease to exist than that the average sovereign state will disappear. In the event of a corporate bankruptcy, the holders of bonds and other forms of debt will be satisfied first; the equity holders may end up with nothing. For these reasons, economists see the superior returns on stocks as capturing an ‘equity risk premium’ – though clearly in some cases this has been a risk well worth taking.

Since the start of his presidency, Barack had asked his correspondence staff to include ten letters or messages from constituents inside his briefing book, selected from the roughly fifteen thousand letters and emails that poured in daily. He read each one carefully, jotting responses in the margins so that a staffer could prepare a reply or forward a concern on to a cabinet secretary. He read letters from soldiers. From prison inmates. From cancer patients struggling to pay health-care premiums and from people who’d lost their homes to foreclosure. From gay people who hoped to be able to legally marry and from Republicans who felt he was ruining the country. From moms, grandfathers, and young children. He read letters from people who appreciated what he did and from others who wanted to let him know he was an idiot. He read all of it, seeing it as part of the responsibility that came with the oath. He had a hard and lonely job—the hardest and loneliest in the world, it often seemed to me—but he knew that he had an obligation to stay open, to shut nothing out. While the rest of us slept, he took down the fences and let everything inside.

The last bit of work he did, usually at some hour past midnight, was to read letters from American citizens. Since the start of his presidency, Barack had asked his correspondence staff to include ten letters or messages from constituents inside his briefing book, selected from the roughly fifteen thousand letters and emails that poured in daily. He read each one carefully, jotting responses in the margins so that a staffer could prepare a reply or forward a concern on to a cabinet secretary. He read letters from soldiers. From prison inmates. From cancer patients struggling to pay health-care premiums and from people who’d lost their homes to foreclosure. From gay people who hoped to be able to legally marry and from Republicans who felt he was ruining the country. From moms, grandfathers, and young children. He read letters from people who appreciated what he did and from others who wanted to let him know he was an idiot. He read all of it, seeing it as part of the responsibility that came with the oath. He had a hard and lonely job—the hardest and loneliest in the world, it often seemed to me—but he knew that he had an obligation to stay open, to shut nothing out. While the rest of us slept, he took down the fences and let everything inside.

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HDFC Bank was the first of the private lenders to go public— even before it completed a full year. 'It was a mistake,' Deepak told me. The RBI required the new banks to go public within a year but all other lenders went back to the regulator and got extensions. 'We didn't ask for it. We were too naive,' Deepak said. 'Everybody took time as they wanted to get a premium. We sold at par, ₹10. But I have no regrets.' Deepak pushed for a par issue as the bank had nothing to show. And the disaster of parent HDFC's listing was still haunting him, though that had happened a decade and a half ago. In 1978, India's capital market was in a different shape and mortgage was a new product, not understood by many. HDFC put the photograph of its first borrower on the cover of its balance sheet, a D. B. Remedios from Thane, who took a loan of ₹35,000 to build his house. The public issue of HDFC bombed. In an initial public offering (IPO) of ₹10 crore, the face value of one share was ₹100. ICICI, IFC (Washington) and the Aga Khan Fund took 5% stakes each in the mortgage lender and the balance 85% equity was offered to the public, but there were few takers. The stock quoted at a steep discount on listing. For the bank, Deepak did not want to take any chance. So portions of the issue were reserved for the shareholders and employees of HDFC as well as the bank's employees. HDFC decided to own close to a 26% stake in the bank and NatWest 20%. Satpal was offered about 5% and the public 25%. The size of the public issue was ₹50 crore. 'We didn't know whether it would succeed. Our experience with HDFC had been a disaster,' Deepak said. But Deepak had grossly underestimated investors' appetite for the new bank. The issue, which opened on 14 March 1995, was subscribed a record fifty-five times. The stock was listed on the Bombay Stock Exchange (now known as BSE Ltd) on 26 May that year at ₹39.95, almost at a 300% premium.

Civilization is perhaps nothing but a process of finding out what you cannot have.

Herrick then had to prove the third part of his proposition—that a demand for wine from this region could be established in the UK market. Not surprisingly, convincing the key buyers in the specialty chains like Oddbins and Victoria Wines took longer than first thought. The 1993 vintage was small and somewhat experimental; it was really not until the 1994 vintage was available that the buyers became confident of the sustainability and quality of the James Herrick label. The big retailers Tesco and Sainsbury’s also bought the product as it began to establish a position at the then premium price point of £3.99 a bottle. The fundamental pieces of the core proposition were beginning to work.

Are millions of Americans out of work? Yes. Are millions of Americans struggling? Yes. Are millions of Americans seeing their health insurance premiums skyrocket? Yes. Are millions of Americans at risk of losing their health insurance because of ObamaCare? Yes.   But Washington tells our constituents: No, no, never mind. It can't be done. It cannot be done. It is impossible. The rules of Washington say this cannot be done.   And we wonder why this body has such low approval among the people. When we go out and tell the American people it cannot be done, there is nothing that can be done to stop ObamaCare, what we are saying is we are not willing to do it. We are not willing to stand and fight.   We

The default assumption tends to be that it is politically important to designate everyone as beautiful, that it is a meaningful project to make sure that everyone can become, and feel, increasingly beautiful. We have hardly tried to imagine what it might look like if our culture could do the opposite - de-escalate the situation, make beauty matter less. But then again, nothing today ever de-escalates. And feminism has also repeatedly attempted to render certain aspects of the discussion off-limits for criticism. It has put such a premium on individual success, so much emphasis on individual choice, that it is seen as unfeminist to criticize anything that a woman chooses to make herself more successful - even in situations like this, in which women's choices are constrained and dictated both by social expectations and by the arbitrary dividends of beauty work, which is more rewarding if one is young and rich and conventionally attractive to begin with. In any case, Widdows argues, the fact of choice does not "make an unjust or exploitative practice or act, somehow, magically, just or non-exploitative". The timidity in mainstream feminism to admit that women's choices - not just our problems - are, in the end, political, has led to a vision of "women's empowerment" that often feels brutally disempowering in the end.

It is my opinion that though croupiers seem such ordinary, humdrum officials—men who care nothing whether the bank wins or loses—they are, in reality, anything but indifferent to the bank's losing, and are given instructions to attract players, and to keep a watch over the bank's interests; as also, that for such services, these officials are awarded prizes and premiums. At all events, the croupiers of Roulettenberg seemed to look upon the Grandmother as their lawful prey—whereafter there befell what our party had foretold.

Angst may have replaced fear and physical pain in modern societies, yet, without depreciating the merits of traditional society or ignoring the stresses and problems of modernity, this change has been nothing short of revolutionary. People in pre-modern societies struggled to survive in the most elementary sense. The overwhelming majority of them went through a lifetime of hard physical work to escape hunger, from which they were never secure. The tragedy of orphanage, child mortality, premature death of spouses, and early death in general was inseparable from their lives. At all ages, they were afflicted with illness, disability, and physical pain, for which no effective remedies existed. Even where state rule prevailed, violent conflict between neighbors was a regular occurrence and, therefore, an ever-present possibility, putting a premium on physical strength, toughness, and honor, and a reputation for all of these. Hardship and tragedy tended to harden people and make them fatalistic.

In fact, most years, actively managed funds do not do any better than “passive funds” that simply replicate the stock market index. In fact, the average US mutual funds underperform the US stock market 52 —they seem to have borrowed the language of individual talent but not the talent itself. A large part of the premiums paid to financial sector employees are almost surely pure rents ; that is, rewards not for talent or hard work but for nothing more than having lucked out in landing that particular job.

Church is so confusing for Juvenalius. His new pastor preaches nothing but hate and condemnation of gays and lesbians, but no matter how carefully he reads his Bible, he can’t find where it says God hates him. Will things change when Juve's boyfriend Devis suggests that they all go to his church instead?

My judgment is that the rich undergo cruel trials and bitter tragedies of which the poor know nothing. In the first place I find that the rich suffer perpetually from money troubles. The poor sit snugly at home while sterling exchange falls ten points in a day. Do they care? Not a bit. An adverse balance of trade washes over the nation like a flood. Who have to mop it up? The rich. Call money rushes up to a hundred per cent, and the poor can still sit and laugh at a ten cent moving picture show and forget it. But the rich are troubled by money all the time.

Surely if we all try hard, we can all lift ourselves up high above the average. It looks a little difficult mathematically, but that's nothing.

The tobacco settlement money went to lawyers and to governments, which effectively turned the money into a tax and then spent it on state bureaucracy. Regular folk did not receive any tax refund checks, nor did we see lower health insurance premiums, but we did pay more for everyday products not related to smoking. This means we are, in effect, paying billions of dollars in additional tax besides the billions in legal fees because of the tobacco settlement, as well as funding the next legal campaign to collect another large pay-day in contingency fees. It is very interesting to note during the tobacco suit that, while claiming various individuals were being victimized, or medical costs were mounting from misleading advertising or dishonest business practices, it was lawyers and governments, not the people nor their insurance companies, that collected all the loot. This the type of litigation did nothing to improve your life and it raised your cost of living.

One positive result of past failure is that you surrender the pursuit of perfection and, if you’ve gained any sense along the way, you replace it with the pursuit of God’s redemption. Nothing is more redemptive than faith in God. You learn that failure may be painful, but it’s rarely fatal. After coming to grips with the high premium God places on our faith, I refuse to give up a life practice of believing God just because I accidentally swerve off the road a few times in my faith journey. Hebrews 11:6 says faith is what pleases God, not perfection.

There is nothing wrong in wanting to get rich. The desire for riches is really the desire for a richer, fuller, and more abundant life, and that desire is praiseworthy.

Essay: Scientific Advances are Ruining Science Fiction I write science fiction thrillers for a living, set five to ten years in the future, an exercise that allows me to indulge my love of science, futurism, and philosophy, and to examine in fine granularity the impact of approaching revolutions in technology. But here is the problem: I’d love to write pure science fiction, set hundreds of years in the future. Why don’t I? I guess the short answer is that to do so, I’d have to turn a blind eye to everything I believe will be true hundreds of years from now. Because the truth is that books about the future of humanity, such as Kurzweil’s The Singularity is Near, have ruined me. As a kid, I read nothing but science fiction. This was a genre that existed to examine individuals and societies through the lens of technological and scientific change. The best of this genre always focused on human beings as much as technology, something John W. Campbell insisted upon when he ushered in what is widely known as the Golden Age of Science Fiction. But for the most part, writers in past generations could feel confident that men and women would always be men and women, at least for many thousands of years to come. We might develop technology that would give us incredible abilities. Go back and forth through time, travel to other dimensions, or travel through the galaxy in great starships. But no matter what, in the end, we would still be Grade A, premium cut, humans. Loving, lusting, and laughing. Scheming and coveting. Crying, shouting, and hating. We would remain ambitious, ruthless, and greedy, but also selfless and heroic. Our intellects and motivations in this far future would not be all that different from what they are now, and if we lost a phaser battle with a Klingon, the Grim Reaper would still be waiting for us.

My friend,” said Poirot, “as usual, you see nothing at all.

For Rockefeller, it was dogma that prices should reflect true market values, not the buyer’s ability to pay, and nothing upset him more than the notion that a rich man should pay a premium on his hard-earned wealth.

Human touch is a premium thing.

To prosper you must improve your brain power; and nothing helps the brain more than a healthy body. The race of to-day is only to be won by those who will study to keep their bodies in such good condition that their minds are able and ready to sustain that high pressure on memory and mind, which our present fierce competition engenders. It is health rather than strength that is now wanted. Health is essentially the requirement of our time to enable us to succeed in life. In all modern occupations--from the nursery to the school, from the school to the shop or world beyond--the brain and nerve strain go on, continuous, augmenting, and intensifying.

premium unrelated to its usefulness, like the fund managers earning a fat fee for doing nothing, or the many talented MIT engineers and scientists hired to write software that allows stock trading at millisecond frequencies, then talented people are lost to firms that might do something more socially useful. Faster trading may be profitable because it allows the trader to react more quickly to new information, but given that the reaction time is already seconds or less, it seems implausible that it improves the allocation of resources in the economy in any meaningful way.

Dallas O’Kane was a benevolent dictator peddling hope, and nothing was at a higher premium these days.

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