“
Annabeth gripped the hilt of her dagger. “A bounty on our heads . . . as if we didn’t attract enough monsters already.”
“Do we get WANTED posters?” Leo asked. “And do they have our bounties, like, broken down on a price list?”
Hazel wrinkled her nose. “What are you talking about?”
“Just wondering how much I’m going for these days,” Leo said. “I mean, I can understand not being as pricey as Percy or Jason, maybe . . . but am I worth, like, two Franks, or three Franks?
”
”
Rick Riordan (The Mark of Athena (The Heroes of Olympus, #3))
“
It was the list of activities thing. Like the menu with price, only I'm not the restaurant; I'm the meal.
”
”
Damon Suede (Hot Head (Head, #1))
“
Restaurant owners shouldn’t deceive their clientele into paying their workers. Instead, they should pay their workers decent wages and price their food higher. Let the customer decide if they want to buy their food or drinks for the price listed on the menu instead of paying a lower-marked price for their food, temporarily believing that’s all they have to spend, and then later being reminded they also need to pay the restaurant owner’s workers in the form of a tip … or be labeled an asshole if they don’t—it’s blackmail. And the pathetic thing about this scheme is that the waiters, the slaves, perpetually enforce this scheme upon the clientele, so the battle is always between the customer and the waiter, while the restaurant owners—the real assholes, not the customers who don’t tip—count the money in the backroom that their slaves have generated for them. Restaurant owners have effortlessly created the social stigma that labels a customer an asshole if they don’t pay their workers’ wages. What the fuck is that? How did that become acceptable?
”
”
Jasun Ether (The Beasts of Success)
“
Sometimes in a marriage, it is easier to just buy peace and pay the price of swallowing your ego and keeping quiet.
”
”
Preeti Shenoy (The Secret wish List)
“
I found that by advocating for our right to be “lazy,” we can carve out space in our lives for play, relaxation, and recovery. I also discovered the immense relief that comes when we cease tying our self-image to how many items we check off our to-do lists.
”
”
Devon Price (Laziness Does Not Exist)
“
Francie thought that all the books in the world were in that library and she had a plan about reading all the books in the world. She was reading a book a day in alphabetical order and not skipping the dry ones. She remembered that the first author had been Abbott. She had been reading a book a day for a long time now and she was still in the B’s. Already she had read about bees and buffaloes, Bermuda vacations and Byzantine architecture. For all of her enthusiasm, she had to admit that some of the B’s had been hard going. But Francie was a reader. She read everything she could find: trash, classics, time tables and the grocer’s price list. Some
”
”
Betty Smith (A Tree Grows in Brooklyn)
“
The price of living a long life, I think, is the sheer weight of the losses you have to suffer. You carry each loved one you lose, and they stack up, and it becomes unbearable. I tick them off in my mind. Brother, father, mother, husband, and my friend, my love.
”
”
Laura Pearson (The Last List of Mabel Beaumont)
“
The fear of getting caught was not driven by the fear of paying the price. Rather, it was the fear of having to stop.
”
”
John Grisham (The Judge's List (The Whistler #2))
“
The pain of regret is far worse than the pain of discipline.
We will never have the anointing, the ministry or the revivals of our heroes if we don’t become as disciplined as they were. They went to bed early to get up early to pray, and they fasted for days on end.
We shouldn’t just pray to mark it off of our lists or read a few chapters of our Bible each day to keep up with the church Bible reading chart. We must have a deeper purpose for doing these tasks.
Discipline without direction is drudgery. In other words, discipline has to have a purpose to drive it each and every day.
The price for spiritual change is expensive, but the rewards are far greater.
The world’s ways, ideologies, and influence cannot be present in a life dedicated to Jesus because consecration’s purpose is for us to be different from the world. And, for that matter, if we are separate from the world, then sin must not be a part of our lives either. Sin ruins a life of consecration.
It would be a shame to believe that holiness is nothing more than rules or guidelines we are to live by. Holiness and consecration flow from a life given to the spiritual disciplines, a life we can only maintain by continuing to seek for Him daily.
Your pursuit will never be greater than your disciplines.
No man is greater than his prayer life.
Even though Jesus requires us to pray, praying is not to be done out of duty, but it is to be done out of delight.
A person’s appetite reveals much about their physical health. Our physical appetite can reveal just as much about our spiritual health.
Prayer is the dominant discipline in a godly life and it takes a backseat to no other task. Prayer is the guiding force to a life of consecration and spiritual discipline.
Self-denial is tough, but self-indulgence is dangerous.
”
”
Nathan Whitley (The Lost Art Of Spiritual Disciplines)
“
This is the war where we change. This is the trickster war. It's where we disappear, just like they desire us disappear. I spoke it you before: They wish us blank," he said, gesturing without thinking at Dr. Trefusis, who was the nearest exemplar of the white race. "They want us with no history and no memory. They want us empty as paper so they can write on us, so we ain't nothing but a price and an owner's name and a list of tasks. And that's what we'll give them. We'll give them your Nothing. We'll give them my William Williams and Henry Henry. We'll slip through and we'll change to who we must needs be and I will be all sly and have my delightful picaresque japes. But at the end of it, when it's over, I shall be one thing. I shall be one man, fixed, and not have to take no other name. I shall be one person steadily for some years."
"This is why we got to win...If we ever wish to be one person, we got to win.
”
”
M.T. Anderson (The Kingdom on the Waves (The Astonishing Life of Octavian Nothing, Traitor to the Nation, #2))
“
The Palestinians faced demolition of their houses (unlike before, this time without prior warning); the destruction of their rural infrastructure – the uprooting of olive trees and the ruination of crops; and probably the most sinister of all in this list of evils, the redirection of water away from their towns and villages, in many cases to the benefit of Jewish settlements (which, after the Intifada, sold that water for a higher price back to the Palestinians from whom the water had been stolen in the first place
”
”
Ilan Pappé (The Biggest Prison on Earth: A History of the Occupied Territories)
“
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”
”
Mayank Tanwar
“
Son, quite aside from my own conditioned reflex against munching a roast haunch of—well, you, for example—quite aside from that trained-in emotional prejudice, for coldly practical reasons I regard our taboo against cannibalism as an excellent idea . . . because we are not civilized.” “Huh?” “Obvious. If we didn’t have a tribal taboo about the matter so strong that you honestly believed it was an instinct, I can think of a long list of people I wouldn’t trust with my back turned, not with the price of beef what it is today. Eh?
”
”
Robert A. Heinlein (Stranger in a Strange Land)
“
When adding descriptions to your online listings or printed materials, lead with benefits and follow with features.
”
”
James Dillehay (How to Price Crafts and Things You Make to Sell -- Formulas and Strategies for Arriving at Profitable Craft Prices for Selling Online or Off, Wholesale or Retail)
“
In the great snowfall before the bomb"
In the great snowfall before the bomb
colored yule tree lights
windows, the only glow for contemplation
along this road
I worked the print shop
right down among em
the folk from whom all poetry flows
and dreadfully much else.
I was Blondie
I carried my bundles of hog feeder price lists
down by Larry the Lug,
I'd never get anywhere
because I'd never had suction,
pull, you know, favor, drag,
well-oiled protection.
I heard their rehashed radio barbs—
more barbarous among hirelings
as higher-ups grow more corrupt.
But what vitality! The women hold jobs—
clean house, cook, raise children, bowl
and go to church.
What would they say if they knew
I sit for two months on six lines
of poetry?
”
”
Lorine Niedecker
“
All significant relationships have a price. It’s not that relationships are a sacrifice. After all, who wants a life of sacrifice? It is more a matter of priorities. We can’t do everything in life, and we can’t be with everyone. We automatically make priorities by choosing what we will do and with whom. If something is at the top of our list, then other things have to come second, third, or last.
”
”
Donna Goddard (Touched by Love (Love and Spirit, #2))
“
All significant relationships have a price. It’s not that relationships are a sacrifice. After all, who wants a life of sacrifice? It is more a matter of priorities. We can’t do everything in life and we can’t be with everyone in life. In choosing what we will do and with whom, we automatically make priorities. If something is at the top of our list then other things have to come second or third or last.
”
”
Donna Goddard (Love, Devotion, and Longing)
“
All right,” said Ron slowly, “let’s say we go for it tomorrow. . . . I think it should just be me and Harry.”
“Oh, don’t start that again!” sighed Hermione. “I thought we’d settled this.”
“It’s one thing hanging around the entrances under the Cloak, but this is different, Hermione.” Ron jabbed a finger at a copy of the Daily Prophet dated ten days previously. “You’re on the list of Muggle-borns who didn’t present themselves for interrogation!”
“And you’re supposed to be dying of spattergroit at the Burrow! If anyone shouldn’t go, it’s Harry, he’s got a ten-thousand-Galleon price on his head—”
“Fine, I’ll stay here,” said Harry. “Let me know if you ever defeat Voldemort, won’t you?
”
”
J.K. Rowling (Harry Potter and the Deathly Hallows (Harry Potter, #7))
“
Wondered briefly why listings always specify wood-burning fireplaces. Decided that considering the prices they’re asking, it’s probably just a warning device for those who might otherwise figure what the hell, and just burn money.
”
”
Fran Lebowitz (The Fran Lebowitz Reader)
“
If you consider how much you should pay for a house, you will be influenced by the asking price. The same house will appear more valuable if its listing price is high than if it is low, even if you are determined to resist the influence of this number;
”
”
Daniel Kahneman (Thinking, Fast and Slow)
“
On behalf of those you killed, imprisoned, tortured, you are not welcome, Erdogan!
No, Erdogan, you’re not welcome in Algeria.
We are a country which has already paid its price of blood and tears to those who wanted to impose their caliphate on us, those who put their ideas before our bodies, those who took our children hostage and who attempted to kill our hopes for a better future. The notorious family that claims to act in the name of the God and religion—you’re a member of it—you fund it, you support it, you desire to become its international leader.
Islamism is your livelihood
Islamism, which is your livelihood, is our misfortune. We will not forget about it, and you are a reminder of it today. You offer your shadow and your wings to those who work to make our country kneel down before your “Sublime Door.” You embody and represent what we loathe. You hate freedom, the free spirit. But you love parades. You use religion for business. You dream of a caliphate and hope to return to our lands.
But you do it behind the closed doors, by supporting Islamist parties, by offering gifts through your companies, by infiltrating the life of the community, by controlling the mosques. These are the old methods of your “Muslim Brothers” in this country, who used to show us God’s Heaven with one hand while digging our graves with the other.
No, Mr. Erdogan, you are not a man of help; you do not fight for freedom or principles; you do not defend the right of peoples to self-determination. You know only how to subject the Kurds to the fires of death; you know only how to subject your opponents to your dictatorship.
You cry with the victims in the Middle East, yet sign contracts with their executioners. You do not dream of a dignified future for us, but of a caliphate for yourself. We are aware of your institutionalized persecution, your list of Turks to track down, your sinister prisons filled with the innocent, your dictatorial justice palaces, your insolence and boastful nature.
You do not dream of a humanity that shares common values and principles, but are interested only in the remaking of the Ottoman Empire and its bloodthirsty warlords. Islam, for you, is a footstool; God is a business sign; modernity is an enemy; Palestine is a showcase; and local Islamists are your stunned courtesans.
Humanity will not remember you with good deeds
Humanity will remember you for your machinations, your secret coups d’état, and your manhunts. History will remember you for your bombings, your vengeful wars, and your inability to engage in constructive dialogue with others. The UN vote for Al-Quds is only an instrument in your service. Let us laugh at this with the Palestinians. We know that the Palestinian issue is your political capital, as it is for many others. You know well how to make a political fortune by exploiting others’ emotions.
In Algeria, we suffered, and still suffer, from those who pretend to be God and act as takers and givers of life. They applaud your coming, but not us. You are the idol of Algerian Islamists and Populists, those who are unable to imagine a political structure beyond a caliphate for Muslim-majority societies.
We aspire to become a country of freedom and dignity. This is not your ambition, nor your virtue.
You are an illusion
You have made beautiful Turkey an open prison and a bazaar for your business and loved ones. I hope that this beautiful nation rises above your ambitions. I hope that justice will be restored and flourish there once again, at least for those who have been imprisoned, tortured, bombed, and killed. You are an illusion, Erdogan—you know it and we know it.
You play on the history of our humiliation, on our emotions, on our beliefs, and introduce yourself as a savior. However, you are a gravedigger, both for your own country and for your neighbors. Turkey is a political miracle, but it owes you nothing. The best thing you can do
”
”
Kamel Daoud
“
Untreated, a dead person’s face looks horrific, at least by our very narrow cultural expectations. Their droopy, open eyes cloud over in a vacant stare. Their mouths stretch wide like Edvard Munch’s The Scream. The color drains from their faces. These images reflect the normal biological processes of death, but they are not what a family wants to see. As part of their price lists, funeral homes generally charge anywhere from $175 to $500 for “setting the features.” That is how corpses come to look “peaceful,” “natural,” and “at rest.
”
”
Caitlin Doughty (Smoke Gets in Your Eyes: And Other Lessons from the Crematory)
“
We are dealing, then, with an absurdity that is not a quirk or an accident, but is fundamental to our character as people. The split between what we think and what we do is profound. It is not just possible, it is altogether to be expected, that our society would produce conservationists who invest in strip-mining companies, just as it must inevitably produce asthmatic executives whose industries pollute the air and vice-presidents of pesticide corporations whose children are dying of cancer. And these people will tell you that this is the way the "real world" works. The will pride themselves on their sacrifices for "our standard of living." They will call themselves "practical men" and "hardheaded realists." And they will have their justifications in abundance from intellectuals, college professors, clergymen, politicians. The viciousness of a mentality that can look complacently upon disease as "part of the cost" would be obvious to any child. But this is the "realism" of millions of modern adults.
There is no use pretending that the contradiction between what we think or say and what we do is a limited phenomenon. There is no group of the extra-intelligent or extra-concerned or extra-virtuous that is exempt. I cannot think of any American whom I know or have heard of, who is not contributing in some way to destruction. The reason is simple: to live undestructively in an economy that is overwhelmingly destructive would require of any one of us, or of any small group of us, a great deal more work than we have yet been able to do. How could we divorce ourselves completely and yet responsibly from the technologies and powers that are destroying our planet? The answer is not yet thinkable, and it will not be thinkable for some time -- even though there are now groups and families and persons everywhere in the country who have begun the labor of thinking it.
And so we are by no means divided, or readily divisible, into environmental saints and sinners. But there are legitimate distinctions that need to be made. These are distinctions of degree and of consciousness. Some people are less destructive than others, and some are more conscious of their destructiveness than others. For some, their involvement in pollution, soil depletion, strip-mining, deforestation, industrial and commercial waste is simply a "practical" compromise, a necessary "reality," the price of modern comfort and convenience. For others, this list of involvements is an agenda for thought and work that will produce remedies.
People who thus set their lives against destruction have necessarily confronted in themselves the absurdity that they have recognized in their society. They have first observed the tendency of modern organizations to perform in opposition to their stated purposes. They have seen governments that exploit and oppress the people they are sworn to serve and protect, medical procedures that produce ill health, schools that preserve ignorance, methods of transportation that, as Ivan Illich says, have 'created more distances than they... bridge.' And they have seen that these public absurdities are, and can be, no more than the aggregate result of private absurdities; the corruption of community has its source in the corruption of character. This realization has become the typical moral crisis of our time. Once our personal connection to what is wrong becomes clear, then we have to choose: we can go on as before, recognizing our dishonesty and living with it the best we can, or we can begin the effort to change the way we think and live.
”
”
Wendell Berry (The Unsettling of America: Culture and Agriculture)
“
The Third Reich made it its mission to use the authority of the state to coordinate efforts within industry to devise standardized and simplified versions of key consumer commodities. These would then be produced at the lowest possible price, enabling the German population to achieve an immediate breakthrough to a higher standard of living. The epithet which was generally attached to these products was Volk: the Volksempfaenger (radio), Volkswohnung (apartments), Volkswagen, Volkskuehlschrank (refrigerator), Volkstraktor (tractor).34 This list contains only those products that enjoyed the official backing of one or more agencies in the Third Reich. Private producers, however, had long appreciated that the term ‘Volk’ had good marketing potential, and they, too, joined the bandwagon. Amongst the various products they touted were Volks-gramophone (people’s gramophone), Volksmotorraeder (people’s motorbikes) and Volksnaehmaschinen (people’s sewing machines). In fact, by 1933 the use of the term ‘Volk’ had become so inflationary that the newly established German advertising council was forced to ban the unlicensed use of the term.
”
”
Adam Tooze (The Wages of Destruction: The Making and Breaking of the Nazi Economy)
“
As we were wrapping up the book, I sat down and thought about all the lessons I’d learned over the past two years. I couldn’t list them all, but here are a few:
Never complain about the price of a gift from your spouse--accept it with love and gratitude. You can’t put a price on romance.
Take lots of videos, even of the mundane. You will forget the sound of your children’s voices and you will miss your youth as much as theirs.
Celebrate every wedding anniversary.
Make time for dates. Hug your spouse every single morning. And always, ALWAYS, say “I love you.”
Believe in your partner.
When you hit hard times as a couple, take a weekend away or at least a night out. The times that you least feel like doing it are likely the times that you need it the most.
Write love notes to your spouse, your children, and keep the ones they give you.
Don’t expect a miniature pig to be an “easy” pet.
Live life looking forward with a goal of no regrets, so you can look back without them.
Be the friend you will need some day.
Often the most important thing you can do for another person is just showing up.
Question less and listen more.
Don’t get too tied up in your plans for the future. No one really knows their future anyway.
Laugh at yourself, and with life.
People don’t change their core character.
Be humble, genuine, and gracious.
Before you get into business with someone, look at their history. Expect them to be with you for the long haul, even if you don’t think they will be. If they aren’t someone you could take a road trip across the country with, don’t do business with them in the first place.
Real families and real sacrifices live in the fabric of the Red, White, and Blue; stand for the national anthem.
”
”
Taya Kyle (American Wife: Love, War, Faith, and Renewal)
“
This is why he refused to close his fist. He saw the list! What kept him from resisting? This warrant, this tabulation of your failures. He knew the price of those sins was death. He knew the source of those sins was you, and since he couldn’t bear the thought of eternity without you, he chose the nails.
”
”
Max Lucado (He Chose the Nails: What God Did to Win Your Heart)
“
Over the past several months, Amelía’s Google history had become a reference of her despair: “can’t have children, reasons for infertility in women, reasons for infertility in men, discussing infertility with husband, price of surrogate mothers, signs of depression, adoption agencies, infertility support groups…” The endless searches only provided two categories of results: medical sites that took pride in listing every worst-case scenario, and blogs written by white women with phrases like “silent suffering” and “living with uncertainty,” mixing in Bible verses about God’s Grace, none of which filled the void or helped Aimee ignore the fact that Mother’s Day was a month away and she would have to watch her family celebrate the one thing she wanted most and might never have.
”
”
Jake Vander-Ark (The Day I Wore Purple)
“
Scene I. A little dark Parlour in Boston: Guards standing at the door. Hazlerod, Crusty Crowbar, Simple Sapling, Hateall, and Hector Mushroom. Simple. I know not what to think of these sad times, The people arm'd,—and all resolv'd to die Ere they'll submit.—— Crusty Crowbar. I too am almost sick of the parade Of honours purchas'd at the price of peace. Simple. Fond as I am of greatness and her charms, Elate with prospects of my rising name, Push'd into place,—a place I ne'er expected, My bounding heart leapt in my feeble breast. And ecstasies entranc'd my slender brain.— But yet, ere this I hop'd more solid gains, As my low purse demands a quick supply.— Poor Sylvia weeps,—and urges my return To rural peace and humble happiness, As my ambition beggars all her babes. Crusty. When first I listed in the desp'rate cause, And blindly swore obedience to his will, So wise, so just, so good I thought Rapatio, That if salvation rested on his word I'd pin my faith, and risk my hopes thereon. Hazlerod. Any why not now?—What staggers thy belief? Crusty. Himself—his perfidy appears— It is too plain he has betray'd his country; And we're the wretched tools by him mark'd out To seal its ruins—tear up the ancient forms, And every vestige treacherously destroy, Nor leave a trait of freedom in the land. Nor did I think hard fate wou'd call me up From drudging o'er my acres, Treading the glade, and sweating at the plough, To dangle at the tables of the great; At bowls and cards to spend my frozen years; To sell my friends, my country, and my conscience; Profane the sacred sabbaths of my God; Scorn'd by the very men who want my aid To spread distress o'er this devoted people. Hazlerod. Pho—what misgivings—why these idle qualms, This shrinking backwards at the bugbear conscience; In early life I heard the phantom nam'd, And the grave sages prate of moral sense Presiding in the bosom of the just; Or planting thongs about the guilty heart. Bound by these shackles, long my lab'ring mind, Obscurely trod the lower walks of life, In hopes by honesty my bread to gain; But neither commerce, or my conjuring rods, Nor yet mechanics, or new fangled drills, Or all the iron-monger's curious arts, Gave me a competence of shining ore, Or gratify'd my itching palm for more; Till I dismiss'd the bold intruding guest, And banish'd conscience from my wounded breast. Crusty. Happy expedient!—Could I gain the art, Then balmy sleep might sooth my waking lids, And rest once more refresh my weary soul.
”
”
Mercy Otis Warren (The Group A Farce)
“
I was the bitch who sat behind a desk and ignored you when you walked into the gallery, a pouty knockout wearing indecipherably cool avant-garde outfits. I was told to play dumb if anyone asked a question. Evade, evade. Never hand over a price list. Natasha paid me just $22,000 a year. Without my inheritance, I would have been forced to find a job that paid more money. And I would probably have had to live in Brooklyn, with roommates. I was lucky to have my dead parents’ money, I knew, but that was also depressing. Natasha’s star artist was Ping Xi, a pubescent-looking twenty-three-year-old from Diamond Bar, California. She thought he was a good investment because he was Asian American and had been kicked out of CalArts for firing a gun in his studio. He would add a certain cachet. “I want the gallery to get more cerebral,” she explained.
”
”
Ottessa Moshfegh (My Year of Rest and Relaxation)
“
Oli, I want you more than I’ve ever wanted anything in my life… except for how badly I want you to be safe. I want you as strong as we can get you, even if that means your bond starts eating every soul it comes across. Does that make me as bad as my father and the rest of the Resistance? Maybe. Maybe, but that’s the price I’ll happily pay. The road to hell for me is paved with everything I would do for you, and that list never fucking ends.
”
”
J. Bree (Blood Bonds (The Bonds That Tie, #3))
“
There are no tarts in there, Charles. They were much too expensive, and Mr. Jenkins would not be reasonable. I told him I would buy a whole dozen, but he would not reduce the price by so much as a penny, so I refused to buy even one-on principle. Do you know,” she confided with a chuckle, “last week when he saw me coming into his shop he hid behind the flour sacks?”
“He’s a coward!” Charles said, grinning, for it was a known fact among tradesmen and shopkeepers that Elizabeth Cameron pinched a shilling until it squeaked, and that when it came to bargaining for price-which it always did with her-they rarely came out the winner. Her intellect, not her beauty, was her greatest asset in these transactions, for she could not only add and multiply in her head, but she was so sweetly reasonable, and so inventive when she listed her reasons for expecting a better price, that she either wore out her opponents or confused them into agreeing with her
”
”
Judith McNaught (Almost Heaven (Sequels, #3))
“
4. Or else:
Rough draft of a letter
I think of you, often
sometimes I go back into a cafe, I ist near the door, I order a coffee
I arrange my packet of cigarettes, a box of matches, a writing pad, my felt-pen on the fake marble table
I Spend a long time stirring my cup of coffee with the teasspoon
(yet I don't put any sugar in my coffee, I drink it allowing the sugar to melt in my mouth, like the people of North, like the Russians and Poles when they drink tea)
I pretend to be precoccupied, to be reflecting, as if I had a decision to make
At the top and to the right of the sheet of paaper, I inscribe the date, sometimes the place, sometimes the time, I pretend to be writing a letter
I write slowly, very slowly, as slowly as I can, I trace, I draw each letter, each accent, I check the punctuation marks
I stare attentively at a small notice, the price-list for ice-creams, at a piece of ironwork, a blind, the hexagonal yellow ashtray (in actual fact, it's an equilaterial triangle, in the cutoff corners of which semi-circular dents have been made where cigarettes can be rested)
(...)
Outside there's a bit of sunlight
the cafe is nearly empty
two renovatior's men are having a rum at the bar, the owner is dozing behind his till, the waitress is cleaning the coffee machine
I am thinking of you
you are walking in your street, it's wintertime, you've turned up your foxfur collar, you're smiling, and remote
(...)
”
”
Georges Perec
“
Zhou,” Biyu said, when Sabaa paused, “before the Jade Emperor, humans were just like the beasts in the field. We ate, lived and reproduced, but we were going nowhere. The universe is order in all its perfection, stagnant and unchanging. The wars set us free. Free to change, to learn, to adapt, to become more than we were. To do that, we sacrificed order for a measure of chaos, of challenge. It let some people, men and women, do evil, but even that inspired many more to do good. Medicines, writing, music, architecture, all the accomplishments of your Empire came at a high price, but it was worth paying. Tonight we reaffirm that fact. Without the power we grant the Jade Emperor from the realms we represent, we would lose all that we have gained. The universe would reassert its control. Over the years, order would take charge once more and progress would end. Given time, our race would slide back into the beasts we were once. It is something we could not survive.
”
”
G.R. Matthews (The Red Plains (The Forbidden List, #3))
“
THIS GENTLEMAN ASKS whether Mrs Villiers is at home,’ said the Teapot’s butler, bringing in a salver with a card upon it. ‘Show him into the parlour,’ said Diana. She hurried into her bedroom, changed her dress, combed her hair up, looked searchingly into her face in the glass, and went down. ‘Good day to you now, Villiers,’ said Stephen. ‘No man on earth could call you a fast woman. I have read the paper twice through – invasion flotilla, loyal addresses, price of Government stock and list of bankrupts. Here is a bottle of scent.
”
”
Patrick O'Brian (Post Captain (Aubrey & Maturin, #2))
“
Think about ethanol again. The benefits of that $7 billion tax subsidy are bestowed on a small group of farmers, making it quite lucrative for each one of them. Meanwhile, the costs are spread over the remaining 98 percent of us, putting ethanol somewhere below good oral hygiene on our list of everyday concerns. The opposite would be true with my plan to have left-handed voters pay subsidies to right-handed voters. There are roughly nine right-handed Americans for every lefty, so if every right-handed voter were to get some government benefit worth $100, then every left-handed voter would have to pay $900 to finance it. The lefties would be hopping mad about their $900 tax bills, probably to the point that it became their preeminent political concern, while the righties would be only modestly excited about their $100 subsidy. An adept politician would probably improve her career prospects by voting with the lefties.
Here is a curious finding that makes more sense in light of what we‘ve just discussed. In countries where farmers make up a small fraction of the population, such as America and Europe, the government provides large subsidies for agriculture. But in countries where the farming population is relatively large, such as China and India, the subsidies go the other way. Farmers are forced to sell their crops at below-market prices so that urban dwellers can get basic food items cheaply. In the one case, farmers get political favors; in the other, they must pay for them. What makes these examples logically consistent is that in both cases the large group subsidizes the smaller group.
In politics, the tail can wag the dog. This can have profound effects on the economy.
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Charles Wheelan (Naked Economics: Undressing the Dismal Science (Fully Revised and Updated))
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In my GEnie days (1991-1996?) I discussed the fiction of Gene Wolfe with Greg Feeley, Neil Gaiman, Joe Mayhew, Michael Swanwick, and Jeff Wilson, among others. I published Lexicon Urthus in 1994. The Lexicon brought me letters from David Langford. It also brought me friendship with Alice K. Turner (1939-2015), and she talked me into joining the Urth List in 1997. There I met many, but for this application I will limit the roll to Marc Aramini, Robert Borski, Craig Brewer, Bill Carmichael, Roy C. Lackey, Jonathan Laidlow, Dan Parmenter, Nigel Price, Pedro Jorge Romero, and James Wynn.
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Michael Andre-Driussi (Gene Wolfe's The Book of the New Sun: A Chapter Guide)
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In Ephesians 3:8 she discovered she was blessed with “the unsearchable riches of Christ.” In Romans 2:4, she found “the riches of his kindness.” In Romans 9:23 she took hold of “the riches of his glory.” There’s the “riches of wisdom and knowledge” mentioned in Romans 11:33 and “the riches of God’s grace” given in Ephesians 1:7. The “riches of his glorious inheritance” is mentioned in Ephesians 1:18. And, finally, “the riches of his glory” is listed four times in Scripture. Priceless, spiritual treasures are often discovered during our darkest times. Our afflictions are the pick and ax that help us unearth the unsearchable riches of Christ.
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Joni Eareckson Tada (Pearls of Great Price: 366 Daily Devotional Readings)
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Crucially, some people with different, equally disquieting gifts could see these aspects of others. In the poetic fragment known as the Ljóðatal, the ‘List of Spells’, Odin boasts of his magical ability with a series of individual charms, and in one of them we see the true viciousness of his power: I know a tenth [spell]: if I see sorceresses playing up in the air, I can so contrive it that they go astray from the home of their shapes [heimhama] from the home of their minds [heimhuga]. The spell is directed against the independent spirits of witches, sent out from their bodies on their mistresses’ errands. Odin’s charm is terrible in its severance of their very souls, cut away to dissipate forever.
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Neil Price (Children of Ash and Elm: A History of the Vikings)
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Numerous lawyers, consultants, and accountants have told me that when a client has treated them badly, they avoid working for them again unless they are desperate, and when they must, they often charge higher rates to make themselves feel better and because assholes consume extra time and emotional energy. A European consultant explained his firm’s evidence-based ‘asshole pricing’ in a comment on my blog: We’ve therefore abandoned the old pricing altogether and simply have a list of difficult customers who get charged more. Before The No Asshole Rule became widely known, we were calling this Asshole Pricing. It isn’t just a tax, a surcharge on the regular price; the entirety of the price quoted is driven by Asshole considerations.
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Robert I. Sutton (Good Boss, Bad Boss: How to Be the Best... and Learn from the Worst)
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like a stormy sea at best. 81. Making Cents of It All With over 1,500 projects under my belt as a freelancer and business owner, saying that I’ve experimented with pricing structures may be the understatement of the year. In my early years, nearly everything was based on a fixed bid. As my client list grew, I began landing some hourly gigs, retainers, and some dedicated resource structures. Each of these pricing structures has pros and cons, for you as a designer as well as for your client. Understanding these pricing structures, explaining them clearly to your clients, and choosing the right one for the job can make the difference between a blissful client experience and your worst nightmare. Fixed Bid Fixed-bid pricing is a set scope of work with a fixed price. You tell
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Michael Janda (Burn Your Portfolio: Stuff they don't teach you in design school, but should (Voices That Matter))
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Steve Scott (61 Ways to Sell More Nonfiction Kindle Books)
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McDougall was a certified revolutionary hero, while the Scottish-born cashier, the punctilious and corpulent William Seton, was a Loyalist who had spent the war in the city. In a striking show of bipartisan unity, the most vociferous Sons of Liberty—Marinus Willett, Isaac Sears, and John Lamb—appended their names to the bank’s petition for a state charter. As a triple power at the new bank—a director, the author of its constitution, and its attorney—Hamilton straddled a critical nexus of economic power. One of Hamilton’s motivations in backing the bank was to introduce order into the manic universe of American currency. By the end of the Revolution, it took $167 in continental dollars to buy one dollar’s worth of gold and silver. This worthless currency had been superseded by new paper currency, but the states also issued bills, and large batches of New Jersey and Pennsylvania paper swamped Manhattan. Shopkeepers had to be veritable mathematical wizards to figure out the fluctuating values of the varied bills and coins in circulation. Congress adopted the dollar as the official monetary unit in 1785, but for many years New York shopkeepers still quoted prices in pounds, shillings, and pence. The city was awash with strange foreign coins bearing exotic names: Spanish doubloons, British and French guineas, Prussian carolines, Portuguese moidores. To make matters worse, exchange rates differed from state to state. Hamilton hoped that the Bank of New York would counter all this chaos by issuing its own notes and also listing the current exchange rates for the miscellaneous currencies. Many Americans still regarded banking as a black, unfathomable art, and it was anathema to upstate populists. The Bank of New York was denounced by some as the cat’s-paw of British capitalists. Hamilton’s petition to the state legislature for a bank charter was denied for seven years, as Governor George Clinton succumbed to the prejudices of his agricultural constituents who thought the bank would give preferential treatment to merchants and shut out farmers. Clinton distrusted corporations as shady plots against the populace, foreshadowing the Jeffersonian revulsion against Hamilton’s economic programs. The upshot was that in June 1784 the Bank of New York opened as a private bank without a charter. It occupied the Walton mansion on St. George’s Square (now Pearl Street), a three-story building of yellow brick and brown trim, and three years later it relocated to Hanover Square. It was to house the personal bank accounts of both Alexander Hamilton and John Jay and prove one of Hamilton’s most durable monuments, becoming the oldest stock traded on the New York Stock Exchange.
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Ron Chernow (Alexander Hamilton)
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What’s more, AI researchers have begun to realize that emotions may be a key to consciousness. Neuroscientists like Dr. Antonio Damasio have found that when the link between the prefrontal lobe (which governs rational thought) and the emotional centers (e.g., the limbic system) is damaged, patients cannot make value judgments. They are paralyzed when making the simplest of decisions (what things to buy, when to set an appointment, which color pen to use) because everything has the same value to them. Hence, emotions are not a luxury; they are absolutely essential, and without them a robot will have difficulty determining what is important and what is not. So emotions, instead of being peripheral to the progress of artificial intelligence, are now assuming central importance. If a robot encounters a raging fire, it might rescue the computer files first, not the people, since its programming might say that valuable documents cannot be replaced but workers always can be. It is crucial that robots be programmed to distinguish between what is important and what is not, and emotions are shortcuts the brain uses to rapidly determine this. Robots would thus have to be programmed to have a value system—that human life is more important than material objects, that children should be rescued first in an emergency, that objects with a higher price are more valuable than objects with a lower price, etc. Since robots do not come equipped with values, a huge list of value judgments must be uploaded into them. The problem with emotions, however, is that they are sometimes irrational, while robots are mathematically precise. So silicon consciousness may differ from human consciousness in key ways. For example, humans have little control over emotions, since they happen so rapidly and because they originate in the limbic system, not the prefrontal cortex of the brain. Furthermore, our emotions are often biased.
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Michio Kaku (The Future of the Mind: The Scientific Quest to Understand, Enhance, and Empower the Mind)
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Is there a difference in the amount donated—based on the "suggested donation" you list? Desmet (1999 ["Asking for Less to Obtain More." Journal of Marketing Research, 29(4), 430–440.]) found it depends on which suggestions you manipulate. Suppose you have the following "suggested donations":
•$15
•$30
•$50
•$75
•$100
Desmet's research suggests that changing the $30, $50, or $75 will have little effect, but raising the top or the bottom number will have significant results.
In his research, raising the top number led to overall larger donations. Strangely, raising the bottom number led to significantly lower response rates. Why would raising the $15 cause fewer people to donate? The dropoff came from previous donors who had contributed a small amount. Desmet cites an "aversion to the extremes," whereby donors do not want to contribute the smallest or the largest amount on the list.
So adding a $125 choice would increase the number of people who donate $100. But if the lowest number shown becomes $30, then people who donated $30 before would now be donating the lowest amount listed—which they don't want to do. Instead, some of them may choose not to donate.
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Marlene Jensen (Setting Profitable Prices: A Step-By-Step Guide to Pricing Strategy Without Hiring a Consultant)
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By now Soros had melded Karl Popper’s ideas with his own knowledge of finance, arriving at a synthesis that he called “reflexivity.” As Popper’s writings suggested, the details of a listed company were too complex for the human mind to understand, so investors relied on guesses and shortcuts that approximated reality. But Soros was also conscious that those shortcuts had the power to change reality as well, since bullish guesses would drive a stock price up, allowing the company to raise capital cheaply and boosting its performance. Because of this feedback loop, certainty was doubly elusive: To begin with, people are incapable of perceiving reality clearly; but on top of that, reality itself is affected by these unclear perceptions, which themselves shift constantly. Soros had arrived at a conclusion that was at odds with the efficient-market view. Academic finance assumes, as a starting point, that rational investors can arrive at an objective valuation of a stock and that when all information is priced in, the market can be said to have attained an efficient equilibrium. To a disciple of Popper, this premise ignored the most elementary limits to cognition.
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Sebastian Mallaby (More Money Than God: Hedge Funds and the Making of a New Elite)
“
the list was a smoke screen: ten applications would be made on the pretense of this being a meritocratic process. But the first-choice school would have opened a file on the child once his PSATs were posted. The result was already assured. For Anne, much of the work lay in managing these lists. How to carve, from the great shared dream of college destiny, a range to fairly suit each child? And how then to help bring round the parents, in their bafflement and their shame? More accurately, how to awaken these families from a fantasy that held colleges up bright and shining and implacably steady in character, to reveal each as just what it was—a living, breathing institution—struggling to serve young minds weaned on ambition and fear and heading into a job market that matched conscription to greed and made interns of all the rest? Take Middlebury: one thought immediately of all the blond kids with a green streak, the vegans, the skiers. Take the Ivies: the Euro kids wanted Brown. Jews, Yale or Penn. WASPs wanted Princeton. Cold athletes Dartmouth. Hot athletes, Stanford. Cornell was big and seemed possible but Ithaca was a high price to pay. Columbia for the city kids. Everyone wanted Harvard, if only to say they got in. Then the cult schools. Tufts, Georgetown, Duke. Big
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Lacy Crawford (Early Decision: Based on a True Frenzy)
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This revolution in the role of government has been accompanied, and largely produced, by an achievement in public persuasion that must have few rivals. Ask yourself what products are currently least satisfactory and have shown the least improvement over time. Postal service, elementary and secondary schooling, railroad passenger transport would surely be high on the list. Ask yourself which products are most satisfactory and have improved the most. Household appliances, television and radio sets, hi-fi equipment, computers, and, we would add, supermarkets and shopping centers would surely come high on that list. The shoddy products are all produced by government or government-regulated industries. The outstanding products are all produced by private enterprise with little or no government involvement. Yet the public—or a large part of it—has been persuaded that private enterprises produce shoddy products, that we need ever vigilant government employees to keep business from foisting off unsafe, meretricious products at outrageous prices on ignorant, unsuspecting, vulnerable customers. That public relations campaign has succeeded so well that we are in the process of turning over to the kind of people who bring us our postal service the far more critical task of producing and distributing energy.
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Milton Friedman (Free to Choose: A Personal Statement)
“
Daily work in the field of online advertising, as Jack Goldenberg sees it, is still significantly different from what the trends are propagated by online promotions.
Defining online budget
According to Jack Goldenberg a vast majority of the budget for online advertising does not exceed $2,000 on a monthly basis, depending on the perception of the company as they can bring effects "online adventure", established budgets for online advertising move in value from $200 to $2,000 per month (with highest proportion of $200-$500). This does not mean that a number of companies gives less advertising - but even then it can not be called "creating the campaign." Goldenberg believes that in order to create an online advertising campaign there should be a budget of at least $500 for the use of different types of online advertising.
Goldenberg explains this as: In an environment of such budget is not simply distribute the money "wisely" and that since it has obvious benefits through a variety of online advertising systems.
Jack Goldenberg found out how most companies in the world and USA are oriented towards effects in relation to the funds that are made for advertising. In this type of company, regardless of what everyone knows to be used types of brand advertising (advertising through banners - display advertising) to create recognizable firms in certain target groups, the effects of such advertising are not directly comparable with respect to the effects of (price per click - CPC - Cost per click) with contextual advertising, which for years has given much more efficient (measurable) results in relation to advertising banners, concludes Mr. Goldenberg.
According to Yoel Goldenberg it is good when there is an understanding in companies that brand advertising has a different type of effects in relation to the PPC (contextual) advertising, and that would be it "documented" in a certain way, it is necessary to constantly explore and find those web sites that deliver the best effects for optimum need of assets.
The process of creating an online advertising campaigns, explained by Goldenberg, usually starts (or should start) finding individual Web sites on which to advertise a company could, possibly longer term.
Unfortunately, says Goldenberg, in our country is not in all sectors (industries) simply find diverse Web sites from which to choose "pretenders" for online advertising. An even greater problem is the fact that long-term advertising on a Web site does not bring the desired effect, unless it is constantly not working to the content of advertising often changes with an emphasis on meeting the needs of potential clients.
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Jack Goldenberg (My Secret List of Sites that Pay: Websites that pay you from home (Quick Easy Money))
“
It was the secret no one told you, the thing you had to learn for yourself: viz. that in the antiques trade there was really no such thing as a “correct” price. Objective value—list value—was meaningless. If a customer came in clueless with money in hand (as most of them did) it didn’t matter what the books said, what the experts said, what similar items at Christie’s had recently gone for. An object—any object—was worth whatever you could get somebody to pay for it. In consequence, I’d started going through the store, removing some tags (so the customer would have to come to me for the price) and changing others—not all, but some. The trick, as I discovered through trial and error, was to keep at least a quarter of the prices low and jack up the rest, sometimes by as much as four and five hundred percent. Years of abnormally low prices had built up a base of devoted customers; leaving a quarter of the prices low kept them devoted, and ensured that people hunting for a bargain could still find one, if they looked. Leaving a quarter of the prices low also meant that, by some perverse alchemy, the marked-up prices seemed legitimate in comparison: for whatever reason, some people were more apt to put out fifteen hundred bucks for a Meissen teapot if it was placed next to a plainer but comparable piece selling (correctly, but cheaply) for a few hundred.
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Donna Tartt (The Goldfinch)
“
The clearest signs of Hakodate's current greatness, though, can be found clustered around its central train station, in the morning market, where blocks and blocks of pristine seafood explode onto the sidewalks like an edible aquarium, showcasing the might of the Japanese fishing industry.
Hokkaido is ground zero for the world's high-end sushi culture. The cold waters off the island have long been home to Japan's A-list of seafood: hairy crab, salmon, scallops, squid, and, of course, uni. The word "Hokkaido" attached to any of these creatures commands a premium at market, one that the finest sushi chefs around the world are all too happy to pay.
Most of the Hokkaido haul is shipped off to the Tsukiji market in Tokyo, where it's auctioned and scattered piece by piece around Japan and the big cities of the world. But the island keeps a small portion of the good stuff for itself, most of which seems to be concentrated in a two-hundred-meter stretch in Hakodate.
Everything here glistens with that sparkly sea essence, and nearly everything is meant to be consumed in the moment. Live sea urchins, piled high in hillocks of purple spikes, are split with scissors and scraped out raw with chopsticks. Scallops are blowtorched in their shells until their edges char and their sweet liquor concentrates. Somewhere, surely, a young fishmonger will spoon salmon roe directly into your mouth for the right price.
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Matt Goulding (Rice, Noodle, Fish: Deep Travels Through Japan's Food Culture)
“
Like spacecraft that pick up speed as they rise into the Earth’s stratosphere, growth stocks often seem to defy gravity. Let’s look at the trajectories of three of the hottest growth stocks of the 1990s: General Electric, Home Depot, and Sun Microsystems. (See Figure 7-1.) In every year from 1995 through 1999, each grew bigger and more profitable. Revenues doubled at Sun and more than doubled at Home Depot. According to Value Line, GE’s revenues grew 29%; its earnings rose 65%. At Home Depot and Sun, earnings per share roughly tripled. But something else was happening—and it wouldn’t have surprised Graham one bit. The faster these companies grew, the more expensive their stocks became. And when stocks grow faster than companies, investors always end up sorry. As Figure 7-2 shows: A great company is not a great investment if you pay too much for the stock. The more a stock has gone up, the more it seems likely to keep going up. But that instinctive belief is flatly contradicted by a fundamental law of financial physics: The bigger they get, the slower they grow. A $1-billion company can double its sales fairly easily; but where can a $50-billion company turn to find another $50 billion in business? Growth stocks are worth buying when their prices are reasonable, but when their price/earnings ratios go much above 25 or 30 the odds get ugly: Journalist Carol Loomis found that, from 1960 through 1999, only eight of the largest 150 companies on the Fortune 500 list managed to raise their earnings by an annual average of at least 15% for two decades.
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Benjamin Graham (The Intelligent Investor)
“
You can have no idea what it feels like to live in an ordinary woman’s skin. From the moment a girl is born she is tutored by her mother on what she may and may not do. The list of what she is allowed to do keeps on shrinking as she grows older—cover your head, lower your neck, conceal your breasts, hide your ankles, don’t go to the river alone, don’t step out in the evening, don’t laugh loudly, don’t ask questions, don’t expect answers … Then she marries and it only gets worse. A mother-in-law takes over to enforce the rules. Wake up first, sleep last. Cook feasts, eat leftovers. Feed sons, starve daughters. And when finally she grows older and the baton passes on to her, she starts battering the next generation with it, having seen nothing else in her life!’ ‘So are you saying women oppress women?’ I was surprised that her tirade was directed at mothers and mothers-in-law rather than at men. ‘Yes, precisely. Why blame the men alone? Why will they try to change an existing order in which they get a bonded slave to cook their food, wash their clothes, clean their homes, warm their beds, look after their aging parents and bear them children? But what reason do women have? Why do they fall all over themselves to tyrannise other women? Women can rescue each other. Women can refuse to starve, scare and suppress their daughters. They can be friends and comrades with their daughters-in-law. Women can look out for the safety of their house maids and farm labourers. Women can insist that other women be treated with respect and dignity. But for that they first need to stop feeling helpless and scared themselves. They need to stop needing a man to protect them. The price of that protection is just too high.
”
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Manjul Bajaj (In Search of Heer)
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“
Before she could answer, the door vibrated with a demanding thump. “Sydney,” came a muffled voice from the other side.
“Yes,” Nick said, rising to his feet.
Sir Ross’s tall form filled the doorway. His face was expressionless as he looked at the two of them. “I was just told of Lord Radnor’s presence.” He went directly to Lottie, crouching before her much as Nick had. Seeing her bruised arm, Sir Ross gestured toward it carefully. “May I?” His voice was more gentle than she had ever heard it.
“Yes,” Lottie murmured, allowing him to take her hand in his. Sir Ross examined the darkened wrist with a gathering frown. His face was very close, and his gray eyes were so kind and concerned that Lottie wondered how she could have ever thought him aloof. She recalled his reputed compassion for women and children— a focal point of his magisterial career, Sophia had told her.
Sir Ross’s mouth flexed in a faint, reassuring smile as he released her hand. “This won’t happen again— I can promise you that.”
“Wonderful party,” Nick said sarcastically. “Perhaps you can tell us who the hell included Lord Radnor on the guest list?”
“Nick,” Lottie interceded, “it’s all right, I am certain that Sir Ross did not—”
“It is not all right,” Sir Ross countered quietly. “I hold myself responsible for this, and I humbly beg your forgiveness, Charlotte. Lord Radnor was most certainly not included on the guest list that I approved, but I will find out how he managed to obtain an invitation.” His brow creased as he continued. “Lord Radnor’s behavior tonight was irrational as well as reprehensible… it bespeaks an obsession with Charlotte that will likely not end with this incident.”
“Oh, it’s going to end,” Nick said darkly. “I have several methods in mind that will cure Radnor’s obsession. To start with, if he hasn’t left the premises by the time I go back out there—”
“He’s gone,” Sir Ross interrupted. “Two of the runners are here— I bid them to remove him in as discreet a manner as possible. Calm yourself, Sydney— it will do no good for you to rampage like a maddened bull.”
Nick’s eyes narrowed. “Tell me how calm you would be if someone had left those bruises on Sophia.”
Sir Ross nodded with a short sigh. “Point taken.”
-Sir Ross, Nick, & Lottie
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Lisa Kleypas (Worth Any Price (Bow Street Runners, #3))
“
BARGAIN-ISSUE PATTERN IN SECONDARY COMPANIES. We have defined a secondary company as one that is not a leader in a fairly important industry. Thus it is usually one of the smaller concerns in its field, but it may equally well be the chief unit in an unimportant line. By way of exception, any company that has established itself as a growth stock is not ordinarily considered “secondary.” In the great bull market of the 1920s relatively little distinction was drawn between industry leaders and other listed issues, provided the latter were of respectable size. The public felt that a middle-sized company was strong enough to weather storms and that it had a better chance for really spectacular expansion than one that was already of major dimensions. The depression years 1931–32, however, had a particularly devastating impact on the companies below the first rank either in size or in inherent stability. As a result of that experience investors have since developed a pronounced preference for industry leaders and a corresponding lack of interest most of the time in the ordinary company of secondary importance. This has meant that the latter group have usually sold at much lower prices in relation to earnings and assets than have the former. It has meant further that in many instances the price has fallen so low as to establish the issue in the bargain class. When investors rejected the stocks of secondary companies, even though these sold at relatively low prices, they were expressing a belief or fear that such companies faced a dismal future. In fact, at least subconsciously, they calculated that any price was too high for them because they were heading for extinction—just as in 1929 the companion theory for the “blue chips” was that no price was too high for them because their future possibilities were limitless. Both of these views were exaggerations and were productive of serious investment errors. Actually, the typical middle-sized listed company is a large one when compared with the average privately owned business. There is no sound reason why such companies should not continue indefinitely in operation, undergoing the vicissitudes characteristic of our economy but earning on the whole a fair return on their invested capital.
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Benjamin Graham (The Intelligent Investor)
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Beauty Junkies is the title of a recent book by New York Times writer Alex Kuczynski, “a self-confessed recovering addict of cosmetic surgery.” And, withour technological prowess, we succeed in creating fresh addictions. Some psychologists now describe a new clinical pathology — Internet sex addiction disorder. Physicians and psychologists may not be all that effective in treating addictions, but we’re expert at coming up with fresh names and categories. A recent study at Stanford University School of Medicine found that about 5.5 per cent of men and 6 per cent of women appear to be addicted shoppers.
The lead researcher, Dr. Lorrin Koran, suggested that compulsive buying be recognized as a unique illness listed under its own heading in the Diagnostic and Statistical Manual of Mental Disorders, the official psychiatric catalogue. Sufferers of this “new” disorder are afflicted by “an irresistible, intrusive and senseless impulse” to purchase objects they do not need. I don’t scoff at the harm done by shopping addiction — I’m in no position to do that — and I agree that Dr. Koran accurately describes the potential consequences of compulsive buying: “serious psychological, financial and family problems, including depression, overwhelming debt and the breakup of relationships.”
But it’s clearly not a distinct entity — only another manifestation of addiction tendencies that run through our culture, and of the fundamental addiction process that varies only in its targets, not its basic characteristics. In his 2006 State of the Union address, President George W. Bush identified another item of addiction. “Here we have a serious problem,” he said. “America is addicted to oil.” Coming from a man who throughout his financial and political career has had the closest possible ties to the oil industry.
The long-term ill effects of our society’s addiction, if not to oil then to the amenities and luxuries that oil makes possible, are obvious. They range from environmental destruction, climate change and the toxic effects of pollution on human health to the many wars that the need for oil, or the attachment to oil wealth, has triggered. Consider how much greater a price has been exacted by this socially sanctioned addiction than by the drug addiction for which Ralph and his peers have been declared outcasts. And oil is only one example among many: consider soul-, body-or Nature-destroying addictions to consumer goods, fast food, sugar cereals, television programs and glossy publications devoted to celebrity gossip—only a few examples of what American writer Kevin Baker calls “the growth industries that have grown out of gambling and hedonism.
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Gabor Maté (In the Realm of Hungry Ghosts: Close Encounters with Addiction)
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Twitter is a social media platform that allows you to share and read tweets. It’s a great way to keep up with what’s happening in your favourite TV shows, celebrities, sports teams, or musicians. You can also use Twitter as an advertising tool by buying followers for your brand name or company name. This guide will show you how easy it is to buy verified Twitter accounts from us!
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Twitter also provides other features that make it useful in different ways:
It’s also a messaging service—you send emails through the app instead of by phone call or text message—which means the same information will appear on everyone’s phone regardless of what device they’re using at any given moment; this helps keep everyone in sync even when they’re not together physically (e.g., if one person gets home late from work).
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Choose an inexpensive Twitter account website first. Before buying social media accounts from another website.
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“
Another common form of mental illness is bipolar disorder, in which a person suffers from extreme bouts of wild, delusional optimism, followed by a crash and then periods of deep depression. Bipolar disorder also seems to run in families and, curiously, strikes frequently in artists; perhaps their great works of art were created during bursts of creativity and optimism. A list of creative people who were afflicted by bipolar disorder reads like a Who’s Who of Hollywood celebrities, musicians, artists, and writers. Although the drug lithium seems to control many of the symptoms of bipolar disorder, the causes are not entirely clear. One theory states that bipolar disorder may be caused by an imbalance between the left and right hemispheres. Dr. Michael Sweeney notes, “Brain scans have led researchers to generally assign negative emotions such as sadness to the right hemisphere and positive emotions such as joy to the left hemisphere. For at least a century, neuroscientists have noticed a link between damage to the brain’s left hemisphere and negative moods, including depression and uncontrollable crying. Damage to the right, however, has been associated with a broad array of positive emotions.” So the left hemisphere, which is analytical and controls language, tends to become manic if left to itself. The right hemisphere, on the contrary, is holistic and tends to check this mania. Dr. V. S. Ramachandran writes, “If left unchecked, the left hemisphere would likely render a person delusional or manic.… So it seems reasonable to postulate a ‘devil’s advocate’ in the right hemisphere that allows ‘you’ to adopt a detached, objective (allocentric) view of yourself.” If human consciousness involves simulating the future, it has to compute the outcomes of future events with certain probabilities. It needs, therefore, a delicate balance between optimism and pessimism to estimate the chances of success or failures for certain courses of action. But in some sense, depression is the price we pay for being able to simulate the future. Our consciousness has the ability to conjure up all sorts of horrific outcomes for the future, and is therefore aware of all the bad things that could happen, even if they are not realistic. It is hard to verify many of these theories, since brain scans of people who are clinically depressed indicate that many brain areas are affected. It is difficult to pinpoint the source of the problem, but among the clinically depressed, activity in the parietal and temporal lobes seems to be suppressed, perhaps indicating that the person is withdrawn from the outside world and living in their own internal world. In particular, the ventromedial cortex seems to play an important role. This area apparently creates the feeling that there is a sense of meaning and wholeness to the world, so that everything seems to have a purpose. Overactivity in this area can cause mania, in which people think they are omnipotent. Underactivity in this area is associated with depression and the feeling that life is pointless. So it is possible that a defect in this area may be responsible for some mood swings.
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Michio Kaku (The Future of the Mind: The Scientific Quest to Understand, Enhance, and Empower the Mind)
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On the other hand, a generous capital market is usually associated with the following: fear of missing out on profitable opportunities reduced risk aversion and skepticism (and, accordingly, reduced due diligence) too much money chasing too few deals willingness to buy securities in increased quantity willingness to buy securities of reduced quality high asset prices, low prospective returns, high risk and skimpy risk premiums It’s clear from this list of elements that excessive generosity in the capital markets stems from a shortage of prudence and thus should give investors one of the clearest red flags. The wide-open capital market arises when the news is good, asset prices are rising, optimism is riding high, and all things seem possible. But it invariably brings the issuance of unsound and overpriced securities, and the incurrence of debt levels that ultimately will result in ruin. The point about the quality of new issue securities in a wide-open capital market deserves particular attention. A decrease in risk aversion and skepticism—and increased focus on making sure opportunities aren’t missed rather than on avoiding losses—makes investors open to a greater quantity of issuance. The same factors make investors willing to buy issues of lower quality. When the credit cycle is in its expansion phase, the statistics on new issuance make clear that investors are buying new issues in greater amounts. But the acceptance of securities of lower quality is a bit more subtle. While there are credit ratings and covenants to look at, it can take effort and inference to understand the significance of these things. In feeding frenzies caused by excess availability of funds, recognizing and resisting this trend seems to be beyond the ability of the majority of market participants. This is one of the many reasons why the aftermath of an overly generous capital market includes losses, economic contraction, and a subsequent unwillingness to lend. The bottom line of all of the above is that generous credit markets usually are associated with elevated asset prices and subsequent losses, while credit crunches produce bargain-basement prices and great profit opportunities. (“Open and Shut”)
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Howard Marks (Mastering The Market Cycle: Getting the Odds on Your Side)
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The Global Financial Crisis of 2007–08 represented the greatest financial downswing of my lifetime, and consequently it presents the best opportunity to observe, reflect and learn. The scene was set for its occurrence by a number of developments. Here’s a partial list: Government policies supported an expansion of home ownership—which by definition meant the inclusion of people who historically couldn’t afford to buy homes—at a time when home prices were soaring; The Fed pushed interest rates down, causing the demand for higher-yielding instruments such as structured/levered mortgage securities to increase; There was a rising trend among banks to make mortgage loans, package them and sell them onward (as opposed to retaining them); Decisions to lend, structure, assign credit ratings and invest were made on the basis of unquestioning extrapolation of low historic mortgage default rates; The above four points resulted in an increased eagerness to extend mortgage loans, with an accompanying decline in lending standards; Novel and untested mortgage backed securities were developed that promised high returns with low risk, something that has great appeal in non-skeptical times; Protective laws and regulations were relaxed, such as the Glass-Steagall Act (which prohibited the creation of financial conglomerates), the uptick rule (which prevented traders who had bet against stocks from forcing them down through non-stop short selling), and the rules that limited banks’ leverage, permitting it to nearly triple; Finally, the media ran articles stating that risk had been eliminated by the combination of: the adroit Fed, which could be counted on to inject stimulus whenever economic sluggishness developed, confidence that the excess liquidity flowing to China for its exports and to oil producers would never fail to be recycled back into our markets, buoying asset prices, and the new Wall Street innovations, which “sliced and diced” risk so finely, spread it so widely and placed it with those best suited to bear it.
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Howard Marks (Mastering The Market Cycle: Getting the Odds on Your Side)
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Beyond the price per pound, you should also keep an eye out for distressed sales, such as foreclosures, or properties with a desperate seller. One of the ways to identify the latter is by looking at the listing history for multiple price reductions.
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Manny Khoshbin (Manny Khoshbin's Contrarian PlayBook)
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Finally, I ask the listing agent my favorite question: Is there any room for negotiation on the price? If so, how much?
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Manny Khoshbin (Manny Khoshbin's Contrarian PlayBook)
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Home Value Index List Price Sale Price List Price Per Square Foot* Sale Price Per Square Foot* Listings With Price Cuts Amounts of Price Cuts Decreasing Values (%) *The price per square foot is my favorite statistic to work with. It is simple but very revealing. I like to call it the “price per pound.
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Manny Khoshbin (Manny Khoshbin's Contrarian PlayBook)
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If the data suggests that the area is in a recession–property values have dropped, property sales are down, the number of listings with price reductions has increased–then it is a good time to buy low. You should, however, first check the data to be sure that the market is showing signs of stabilization. Use what you know about the various forces driving that submarket’s economy to gauge the likelihood of an upcoming upturn–if the prospects look good, you might very well be ahead of the curve on this, and be able to buy before everyone else starts to catch on.
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Manny Khoshbin (Manny Khoshbin's Contrarian PlayBook)
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Over the next few years, the number of African Americans seeking jobs and homes in and near Palo Alto grew, but no developer who depended on federal government loan insurance would sell to them, and no California state-licensed real estate agent would show them houses. But then, in 1954, one resident of a whites-only area in East Palo Alto, across a highway from the Stanford campus, sold his house to a black family.
Almost immediately Floyd Lowe, president of the California Real Estate Association, set up an office in East Palo Alto to panic white families into listing their homes for sale, a practice known as blockbusting. He and other agents warned that a 'Negro invasion' was imminent and that it would result in collapsing property values. Soon, growing numbers of white owners succumbed to the scaremongering and sold at discounted prices to the agents and their speculators. The agents, including Lowe himself, then designed display ads with banner headlines-"Colored Buyers!"-which they ran in San Francisco newspapers. African Americans desperate for housing, purchased the homes at inflated prices. Within a three-month period, one agent alone sold sixty previously white-owned properties to African Americans. The California real estate commissioner refused to take any action, asserting that while regulations prohibited licensed agents from engaging in 'unethical practices,' the exploitation of racial fear was not within the real estate commission's jurisdiction. Although the local real estate board would ordinarily 'blackball' any agent who sold to a nonwhite buyer in the city's white neighborhoods (thereby denying the agent access to the multiple listing service upon which his or her business depended), once wholesale blockbusting began, the board was unconcerned, even supportive.
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Richard Rothstein (The Color of Law: A Forgotten History of How Our Government Segregated America)
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Over the next few years, the number of African Americans seeking jobs and homes in and near Palo Alto grew, but no developer who depended on federal government loan insurance would sell to them, and no California state-licensed real estate agent would show them houses. But then, in 1954, one resident of a whites-only area in East Palo Alto, across a highway from the Stanford campus, sold his house to a black family.
Almost immediately Floyd Lowe, president of the California Real Estate Association, set up an office in East Palo Alto to panic white families into listing their homes for sale, a practice known as blockbusting. He and other agents warned that a 'Negro invasion' was imminent and that it would result in collapsing property values. Soon, growing numbers of white owners succumbed to the scaremongering and sold at discounted prices to the agents and their speculators. The agents, including Lowe himself, then designed display ads with banner headlines-"Colored Buyers!"-which they ran in San Francisco newspapers. African Americans desperate for housing, purchased the homes at inflated prices. Within a three-month period, one agent alone sold sixty previously white-owned properties to African Americans. The California real estate commissioner refused to take any action, asserting that while regulations prohibited licensed agents from engaging in 'unethical practices,' the exploitation of racial fear was not within the real estate commission's jurisdiction. Although the local real estate board would ordinarily 'blackball' any agent who sold to a nonwhite buyer in the city's white neighborhoods (thereby denying the agent access to the multiple listing service upon which his or her business depended), once wholesale blockbusting began, the board was unconcerned, even supportive.
At the time, the Federal Housing Administration and Veterans Administration not only refused to insure mortgages for African Americans in designated white neighborhoods like Ladera; they also would not insure mortgages for whites in a neighborhood where African Americans were present. So once East Palo Alto was integrated, whites wanting to move into the area could no longer obtain government-insured mortgages. State-regulated insurance companies, like the Equitable Life Insurance Company and the Prudential Life Insurance Company, also declared that their policy was not to issue mortgages to whites in integrated neighborhoods. State insurance regulators had no objection to this stance. The Bank of America and other leading California banks had similar policies, also with the consent of federal banking regulators.
Within six years the population of East Palo Alto was 82 percent black. Conditions deteriorated as African Americans who had been excluded from other neighborhoods doubled up in single-family homes. Their East Palo Alto houses had been priced so much higher than similar properties for whites that the owners had difficulty making payments without additional rental income. Federal and state hosing policy had created a slum in East Palo Alto.
With the increased density of the area, the school district could no longer accommodate all Palo Alto students, so in 1958 it proposed to create a second high school to accommodate teh expanding student population. The district decided to construct the new school in the heart of what had become the East Palo Alto ghetto, so black students in Palo Alto's existing integrated building would have to withdraw, creating a segregated African American school in the eastern section and a white one to the west. the board ignored pleas of African American and liberal white activists that it draw an east-west school boundary to establish two integrated secondary schools.
In ways like these, federal, state, and local governments purposely created segregation in every metropolitan area of the nation.
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Richard Rothstein (The Color of Law: A Forgotten History of How Our Government Segregated America)
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Where’s your sling?” “I forgot it this morning. It’s at home.” “Don’t tire yourself, dear, will you? And we’ll need some more drinks whenever you’ve time.” She fished in her handbag and produced a list. “After Jack’s home the owners will start coming again and some of them drink like fish, though I shouldn’t say it, and Jack says he’s going to add it on their bills as medicine for the horses, which you can’t blame him for, can you, dear?” “Er ... no.” She put the list on the counter beside the present, and, saying she had a thousand things to do on her way to the hospital, went light-footedly away. I unwrapped the parcel curiously and found that although it was small in size it couldn’t have been in price. The box inside the glazed white paper had come from a jeweler in Reading, and it contained
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Dick Francis (Proof)
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Depreciation gets special IRS attention, and requires Form 4562. To fill out this form (whether you’re doing it with DIY software or providing info to your accountant), you’ll need to know the basis of your rental property. The basis for depreciation is different than the overall basis because land does not get depreciated, and may change over time if you make improvements to the property. To get started you’ll need to know: • The original purchase price of the property • The list of closing costs (most closing costs get added to the basis) • Land value, which you can find on the most recent property tax assessment paperwork • Additions or improvements you made that will add value for more than one year (think replaced roof, not repainted rooms) • The date the property was “placed in service,” meaning made available for rent The
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Michele Cagan (Real Estate Investing 101: From Finding Properties and Securing Mortgage Terms to REITs and Flipping Houses, an Essential Primer on How to Make Money with Real Estate (Adams 101 Series))
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The punishment and/or rehabilitation of those who have already been so damaged that they have become violent is also far more expensive and less effective than preventing violence in the first place, and it causes far more suffering, not only to the perpetrators but also to the victims. We spend incomparably more money on police, prisons, punishments and criminal courts than we do on providing the kinds of community services that have been demonstrated to achieve equal reductions in criminal violence for one-fifth of the price. As our prisons have become more and more crowded (and costly), the waiting lists in our substance-abuse treatment centers have become longer and longer — despite the fact that treatment is at least five times more effective than imprisonment, dollar for dollar, in preventing both substance abuse and the property crimes and violence associated with substance abuse.
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James Gilligan (Preventing Violence (Prospects for Tomorrow))
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How to use the law of attraction for successful life of Jack Canfield
The Law of Attraction says that you will attract into your life whatever you focus on. Whatever you give your energy and attention to will come back to you. So, if you stay focused on the good and positive things in your life, you will automatically attract more good and positive things into your life.
Let Jack Canfield guide us
If you are going to be successful in creating the life of your dreams, you have first have to believe what you want is possible and you are capable of making it happen. — Jack Canfield(Law of Attraction statements)
How to do your dreams?
1. Whatever you focus on, think about, read about, and talk about intensely, you’re going to attract more of into your life. — Jack Canfield(Law of Attraction statements)
2. If you are clear about your goals and take several steps in the right direction everyday, eventually you will succeed. So decide what it is you want, write it down, review it constantly, and each day do something that moves you toward those goals. — Jack Canfield
Read more on my site
3. Write your goals down in detail and read your list of goals every day. Some goals may entail a list of shorter goals. Losing a lot of weight, for example, should include mini-goals, such as 10-pound milestones. This will keep your subconscious mind focused on what you want step by step. — Jack Canfield(Law of Attraction statements)
4. If we are not a little bit uncomfortable every day, we’re not growing. All the good stuff is outside our comfort zone. — Jack Canfield(Law of Attraction statements)
How to believe?
2. Whatever your dream is, look yourself in the mirror and declare that you are indeed going to achieve it – no matter what the price. — Jack Canfield(Law of Attraction statements)
How to think?
Psychologists tell us we think 50,000 thoughts a day…between 1,000 and 5,000 thoughts in a single hour. Many of those thoughts are about ourselves and about our performance, about our lovability, our capability and our significance. So the key is to control those thoughts, making certain they’re always positive. — Jack Canfield(Law of Attraction statements)
How to choose?
1. I choose to believe things are possible, even when I don't know how they will happen. — Jack Canfield(Law of Attraction statements)
1. All your dreams await just on the other side of your fears. — Jack Canfield(Law of Attraction statements)
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Letusmakeyourich
“
How to use the law of attraction for successful life of Jack Canfield
The Law of Attraction says that you will attract into your life whatever you focus on. Whatever you give your energy and attention to will come back to you. So, if you stay focused on the good and positive things in your life, you will automatically attract more good and positive things into your life.
Let Jack Canfield guide us
If you are going to be successful in creating the life of your dreams, you have first have to believe what you want is possible and you are capable of making it happen. — Jack Canfield(Law of Attraction statements)
How to do your dreams?
1. Whatever you focus on, think about, read about, and talk about intensely, you’re going to attract more of into your life. — Jack Canfield(Law of Attraction statements)
2. If you are clear about your goals and take several steps in the right direction everyday, eventually you will succeed. So decide what it is you want, write it down, review it constantly, and each day do something that moves you toward those goals. — Jack Canfield
Write your goals down in detail and read your list of goals every day. Some goals may entail a list of shorter goals. Losing a lot of weight, for example, should include mini-goals, such as 10-pound milestones. This will keep your subconscious mind focused on what you want step by step. — Jack Canfield(Law of Attraction statements)
4. If we are not a little bit uncomfortable every day, we’re not growing. All the good stuff is outside our comfort zone. — Jack Canfield(Law of Attraction statements)
How to believe?
2. Whatever your dream is, look yourself in the mirror and declare that you are indeed going to achieve it – no matter what the price. — Jack Canfield(Law of Attraction statements)
How to think?
Psychologists tell us we think 50,000 thoughts a day…between 1,000 and 5,000 thoughts in a single hour. Many of those thoughts are about ourselves and about our performance, about our lovability, our capability and our significance. So the key is to control those thoughts, making certain they’re always positive. — Jack Canfield(Law of Attraction statements)
How to choose?
1. I choose to believe things are possible, even when I don't know how they will happen. — Jack Canfield(Law of Attraction statements)
1. All your dreams await just on the other side of your fears. — Jack Canfield(Law of Attraction statements)
”
”
Letusmakeyourich
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Perbedaan Warna Tangki Air Penguin
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Price List Tangki Air Penguin
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But what if McDaniel had not begged Trump to remain a Republican? What if McCarthy had not made his trek to Mar-a-Lago? For these Republican leaders, the principled path was the path not taken. Perhaps they would have been replaced by other people who would have done Trump’s bidding, adding their names to the long list of Republicans who have had their political careers ruined by the party’s conqueror. Perhaps the GOP would have splintered in two, with Trump following through on his threat to found the “Patriot Party.”[15] Or perhaps they—and the party—would have been able to turn the page on the Trump era by letting the former president flounder in Palm Beach. We’ll never know for sure. But we do know this: In the years since those decisions were made, the Republican Party has paid a steep price for placating a wounded, vindictive, and angry former president.
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Jonathan Karl (Tired of Winning: Donald Trump and the End of the Grand Old Party)
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The price of living a long life, I think, is the sheer weight of the losses you have to suffer.
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Laura Pearson (The Last List of Mabel Beaumont)
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In his chapter on the SEC Mr Ney demonstrates an understanding of the esoteric operations of the Stock Exchange. Operations are controlled for the benefits of the insiders who have the special information and the clout to profit from all sorts of transactions, regardless of the actual value of the stock traded. The investor is left out or is an extraneous factor. The actual value of the listed stock is irrelevant. The name of the game is manipulation
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Anna Coulling (A Complete Guide To Volume Price Analysis: Read the book then read the market)
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Since great businesses remain great for an eternity, everyone knows about them. Investors bid their prices up, and rightly so. The ten-year average price/earnings (PE) multiples of some of the leading consumer businesses in India are astronomical. For example, Asian Paints, 56; Colgate India, 43; Dabur, 44; Hindustan Unilever, 51; and Page Industries, 65. As price-sensitive investors, we should not buy these businesses since their valuations would almost always be too high for us. And we don’t. From the list provided two paragraphs earlier, the only companies we have been able to buy since 2007 are Page, Havells, and TTK Prestige. Our window of opportunity for buying these three was only two to three months over almost fifteen years—a punctuation event that lasted just 1 to 2 percent of this period. There are very few great businesses, and they are almost always unbuyable.
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Pulak Prasad (What I Learned About Investing from Darwin)
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Since great businesses remain great for an eternity, everyone knows about them. Investors bid their prices up, and rightly so. The ten-year average price/earnings (PE) multiples of some of the leading consumer businesses in India are astronomical. For example, Asian Paints, 56; Colgate India, 43; Dabur, 44; Hindustan Unilever, 51; and Page Industries, 65. As price-sensitive investors, we should not buy these businesses since their valuations would almost always be too high for us. And we don’t. From the list provided two paragraphs earlier, the only companies we have been able to buy since 2007 are Page, Havells, and TTK Prestige. Our window of opportunity for buying these three was only two to three months over almost fifteen years—a punctuation event that lasted just 1 to 2 percent of this period. There are very few great businesses, and they are almost always unbuyable. Hence, we buy very rarely, and when we do, we buy a lot.
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Pulak Prasad (What I Learned About Investing from Darwin)
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He analyzed the price performance of about 26,000 common stocks listed on the New York Stock Exchange, the American Stock Exchange, and the NASDAQ from 1926 to 2016. Unsurprisingly, 51 percent of these stocks lost their entire value over their lifetime. The majority of businesses should not be in business. Bessembinder’s research demonstrates that since the average common stock will lose its value over time, owning stocks can harm one’s wealth. Our default position should be not to buy. So we don’t. We are lazy. Can you guess the number of those 26,000 stocks, if purchased in 1926 and held until 2016 (or acquired or merged), that beat the market? The answer is about 8,000, or about 31 percent of the universe.17 Again, I was surprised at how high this number was.
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Pulak Prasad (What I Learned About Investing from Darwin)
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Every few minutes, he would glance at his phone and then return to our conversation. I had known him for more than a decade but had never witnessed this odd behavior before. After a few minutes, I became mildly irritated and asked him the reason for his distraction. He apologized and sheepishly remarked that two of his portfolio companies had gone public in the past two weeks. After that, he said he felt compelled to check their stock prices every few minutes. He admitted that he couldn’t help himself. My friend is an intelligent guy. He knows that the business of his listed portfolio companies is not changing by the minute. A few weeks earlier, when the companies were unlisted, he hardly ever thought about them. But now that they each had a stock exchange ticker that gyrated a few percentage points every day, he had gotten caught up in the action.
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Pulak Prasad (What I Learned About Investing from Darwin)
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Even those on the left talk about how immigrants make America great. They point to photographs of happy refugees turned good citizens, listing their contributions, as if that is the price of existing in the same country, on the same earth.
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Viet Thanh Nguyen
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What if I tell you that for a fine dining experience, you don’t have to leave your home. Well, you may think that is not possible, but wait a minute, because we have done something impossible.
You can transform your kitchen & dining room for a complete fine dining experience without emptying your pockets. All you have to do is just visit market99.com, and you will find a huge collection of the latest and best quality kitchen & dining products.
There are so many good options that can make you confused. Well, that is why we compiled a list of the best kitchen & dining products available on Market 99 for a fine dining experience.
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Vipin Mehta
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Finally, Diana had worked her way down to the Abbey, an upscale restaurant with a small but lush courtyard that featured a tinkling fountain, a pair of wooden benches, flowering bushes and stands of tall grasses, and a statue resembling Rodin's The Thinker (one of the few things she did remember from the art history class she'd taken). She'd never eaten there, but she remembered Dr. Levy mentioning it as one of the places she and her husband visited for date night at least once every summer. She sat on the bench for a minute to rest her feet and peruse the menu. Tuna sushi tempura (eighteen dollars for an appetizer). Almond-crusted cod with a mandarin-citrus beurre blanc (twenty-eight dollars) and butter-poached lobster (market price). The list of cocktails and special martinis ran two pages, and when she walked up the curved stone steps and stepped into the dining room, the views of the bay were gorgeous.
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Jennifer Weiner (That Summer)
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OVER THE next few years, the number of African Americans seeking jobs and homes in and near Palo Alto grew, but no developer who depended on federal government loan insurance would sell to them, and no California state-licensed real estate agent would show them houses. But then, in 1954, one resident of a whites-only area in East Palo Alto, across a highway from the Stanford campus, sold his house to a black family. Almost immediately Floyd Lowe, president of the California Real Estate Association, set up an office in East Palo Alto to panic white families into listing their homes for sale, a practice known as blockbusting. He and other agents warned that a “Negro invasion” was imminent and that it would result in collapsing property values. Soon, growing numbers of white owners succumbed to the scaremongering and sold at discounted prices to the agents and their speculators. The agents, including Lowe himself, then designed display ads with banner headlines—“Colored Buyers!”—which they ran in San Francisco newspapers.
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Richard Rothstein (The Color of Law: A Forgotten History of How Our Government Segregated America)
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In sum, investors trying to decide what P/E to pay for a stock, or at what P/E to sell the stock, can look at: (1) the company’s historical P/Es, (2) comparable companies’ P/Es and (3) relative P/Es, as a guide. They should also look at broad market trends to see if P/Es in general are rising or falling. By comparing past conditions with current conditions, investors will often have a good basis for determining an appropriate price/earnings ratio today. The next three sections will look at the three types of P/E analyses listed
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William H. Pike (Why Stocks Go Up and Down)
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Selling products makes it easier to: attract prospects – you offer tangible solutions, not a list of skills and capabilities convert them to clients – the solution you offer stands out from your competitors for all the right reasons – you’re the credible expert offering a solution to your client’s problem at a transparent price deliver an outstanding service – your system for delivery will enhance your customer experience. Your focus is on delivering an outcome in the most effective way.
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Lucy Dickens (It's Time To Do Law Differently: How to reshape your firm and regain your life)
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This spread between replacement value and liquidation value may be high for real property—often as much as 10 to 20 percent. For instance, I buy a $100,000 painting and pay $7,000 more in sales taxes, for a total of $107,000. The next day I change my mind and sell it for the same price of $100,000, paying $10,000 in commissions, for net proceeds of $90,000. The spread was $90,000 to $107,000, a difference of $17,000 or 17 percent of the “base” price of $100,000. This is what is lost in a round of buying and selling. It’s that way with houses, cars, art, and jewelry. In contrast, the cost to trade listed securities is typically only a small fraction of a percent—which, along with their liquidity, makes them more appealing stores of wealth.
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Edward O. Thorp (A Man for All Markets: From Las Vegas to Wall Street, How I Beat the Dealer and the Market)
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Making mistakes is part of the learning process when it comes to trading or investing. Every trader makes mistakes in trading that ruin his entire capital. We have listed some common but 5 deadly trading mistakes that a novice or unprofessional trader does in the commodity market: No Patience, Over Trading, Trading Without Plan, Giving Into Emotions, Not Having A Trading Journal. You may include market conditions, the size of the trade, expiration time, prices, whether or not you were successful, and even notes on your emotions. Looking Forward and Join Free MCX Crude Oil Tips, MCX Commodity Trading Trial! Call at 9814289955 or go through our website.
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MCX Bazaar
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Non-Round Numbers Are Better at Anchoring Choosing a round number will send the message—especially to experienced negotiators—that you have no specific rationale for that price. And, if you have no rationale for a price, it’s reasonable to assume that you aren’t committed to that price. For example, if a house is listed at $250,000, and you offer $200,000, a smart seller will realize that it’s unlikely that $200,000 number has any specific meaning to you, and that you’re likely just fishing to see if the seller will budge on their price. On the other hand, if you were to offer, $204,200 on that same house, the seller will assume there was thought put into that offer, and will likely believe that the number has some specific meaning. You could reinforce this belief by communicating additional information to the seller when making the offer. For example, before offering $204,200, you might say to the seller: Investor: “I’m glad I met you today… this is actually perfect timing. I just left a closing this morning where I sold a previous property, and I have some cash available to make another purchase.” You haven’t said that the amount of cash you have available is $204,200, but given that your offer is so specific, the seller will likely assume a connection. The seller is now anchored to your $204,200 number, subconsciously thinking that this number is important to your side of the negotiation, perhaps even a requirement for you. Later in the negotiation, you can reinforce this anchor by saying something to the effect of: Investor: “I only have a specific amount of cash available to invest right now. I may be able to increase my offer a little bit, but not much.” Without saying it, you have reinforced the belief that $204,200 is the specific amount you have available to purchase the property, though you’re willing to reluctantly try to find a few more nickels under the sofa cushion.
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J. Scott (The Book on Negotiating Real Estate: Expert Strategies for Getting the Best Deals When Buying & Selling Investment Property (Fix-and-Flip 3))
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There was always something in her hands. For her—as indeed for many of us—an endless to-do list was her form of therapy, the measure of her time, the record of her productivity, a way to suppress whatever else might have been fermenting below. When you don’t stop, you don’t have to feel.
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Elise Loehnen (On Our Best Behavior: The Price Women Pay to Be Good)
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This table only counts physical health effects due to disruptions that took place in the Illusion of Control phase. It considers both short-run and long-run effects. Each of the claimed effects is based on a published study about that effect. First on the list is the disruption to vaccination programs for measles, diphtheria, cholera, and polio, which were either cancelled or reduced in scope in some 70 countries. That disruption was caused by travel restrictions. Western experts could not travel, and within many poor countries travel and general activity were also halted in the early days of the Illusion of Control phase. This depressive effect on vaccination programs for the poor is expected to lead to large loss of life in the coming years. The poor countries paying this cost are most countries in Africa, the poorer nations in Asia, such as India, Indonesia and Myanmar, and the poorer countries in Latin America. The second listed effect in the table relates to schooling. An estimated 90% of the world’s children have had their schooling disrupted, often for months, which reduces their lifetime opportunities and social development through numerous direct and indirect pathways. The UN children’s organisation, UNICEF, has released several reports on just how bad the consequences of this will be in the coming decades.116 The third element in Joffe’s table refers to reports of economic and social primitivisation in poor countries. Primitivisation, also seen after the collapse of the Soviet Union in the early 1990s, is just what it sounds like: a regression away from specialisation, trade and economic advancement through markets to more isolated and ‘primitive’ choices, including attempted economic self-sufficiency and higher fertility. Due to diminished labour market prospects, curtailed educational activities and decreased access to reproductive health services, populations in the Illusion of Control phase began reverting to having more children precisely in those countries where there is already huge pressure on resources. The fourth and fifth elements listed in the table reflect the biggest disaster of this period, namely the increase in extreme poverty and expected famines in poor countries. Over the 20 years leading up to 2020, gradual improvements in economic conditions around the world had significantly eased poverty and famines. Now, international organisations are signalling rapid deterioration in both. The Food and Agriculture Organisation (FAO) now expects the world to have approximately an additional 100 million extremely poor people facing starvation as a result of Covid policies. That will translate into civil wars, waves of refugees and huge loss of life. The last two items in Joffe’s table relate to the effect of lower perinatal and infant care and impoverishment. Millions of preventable deaths are now expected due to infections and weakness in new mothers and young infants, and neglect of other health problems like malaria and tuberculosis that affect people in all walks of life. The whole of the poor world has suffered fewer than one million deaths from Covid. The price to be paid in human losses in these countries through hunger and health neglect caused by lockdowns and other restrictions is much, much larger. All in the name of stopping Covid.
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Paul Frijters (The Great Covid Panic: What Happened, Why, and What To Do Next)
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As Gordon’s book The Rise and Fall of American Growth went to press in early 2016 (its publication facilitated by digital technologies), the internet continued to disrupt countless industries while the media fanned fears of an impending ‘second machine age’, in which robots replace human workers. Gordon’s Northwestern colleague Joel Mokyr suggested that a ‘shortfall of imagination [is] largely responsible for much of today’s pessimism’. Mokyr listed a number of revolutionary new technologies then under development, including 3D printing, graphene and genetic engineering, to which might be added autonomous cars and clean energy.19 Finance writer William Bernstein accused secular stagnationists of conflating what they couldn’t conceive with that which was not possible.20 Hansen made the same mistake. The most reliable prediction, Bernstein concluded, is to assume that past economic trends continue.
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Edward Chancellor (The Price of Time: The Real Story of Interest)
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Aeon Auto PH
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When it comes to creating persuasive messages, Kahneman said, “The general principle is that anything you can do to reduce cognitive strain will help.”3 While your message may be true, if it isn’t easy enough for your audience to believe it and accept it as truth with System 1, they will call in System 2. And when System 2 is involved, the likelihood of cognitive strain, followed by frustration and agitation, greatly increases. Lists are bait for System 2. Bullet points are bait for System 2. Price comparisons are bait for System 2. Features are bait for System 2. Benefits are bait for System 2. Of course, in the case of the gelato shop, it wasn’t a matter of value story versus no value story. But, whether you’re in the business of sweet treats, used cars, luxury real estate, or medical sales, when it comes to communicating the value of what you offer, you have a choice. Logic or common sense. Strain or ease. Information or story.
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Kindra Hall (Stories That Stick: How Storytelling Can Captivate Customers, Influence Audiences, and Transform Your Business)
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At that price point, open houses evaporate and the MLS listings often go away, too. Wealthy sellers don’t want commoners sniffing around their properties, and well-heeled buyers demand a realtor’s full attention. Showings are by appointment only, “otherwise it’s a petting zoo,” says Frank Nolan, co-owner of San Francisco’s Vanguard Properties, who does $150 million to $170 million in annual sales. Would-be buyers are often asked to show their money in advance, “because a lot of people would love to see a house like that just to see a house like that.
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Michael Mechanic (Jackpot: How the Super-Rich Really Live—and How Their Wealth Harms Us All)
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Investment firms are buying up more vacation homes, aiming to cash in on growing demand from tourists and remote workers.
Most vacation rental homes are owned by small-time owners who list their properties on websites such as Airbnb Inc., but the number of financial firms investing in the sector is growing.
New York-based investment firm Saluda Grade is launching a venture with short-term- rental operator AvantStay Inc. to buy about $500 million of homes, the companies said Tuesday. Saluda Grade said it is also looking to raise debt by selling mortgage bonds backed by its homes to investors, the first vacation-rental mortgage securitization, according to the company.
Andes STR, a startup that buys and manages short-term rental homes on behalf of investors, also recently signed a deal with Chilean investment firm WEG Capital to buy roughly $80 million of properties in the U.S., Andes said. These investors are betting they can get higher returns if they rent out homes by the night instead of by the year.
Low-interest rates have made it more attractive to borrow and Buy Traditional Rental Homes, inflating property prices and making it harder for new buyers to turn a profit. That has prompted some institutions and wealthy families to look in more obscure corners of the property market where competition is smaller, investment advisers say.
Some are turning to investments in vacation homes, where demand has surged in many places during the pandemic as more people choose to work from remote locations and leisure travel heated up last year.
“There’s a lot more yield available in the short-term market,” said Saluda Grade’s chief executive, Ryan Craft. It is the latest sign of how the pandemic is changing the way people work and live, and how real-estate investors are angling to find new ways to profit from these shifts.
Saluda Grade is targeting homes within driving distance of major population centers, Mr. Craft said. His company will buy the homes and AvantStay will manage them for a fee.
But while vacation-rental homes can offer higher returns, they also pose challenges to investors. Mortgages are usually more expensive and harder to get for short-term rentals than for owner-occupied homes, said Giri Devanur, CEO of reAlpha Tech Corp., a startup that wants to pool money from small-time investors to buy short-term-rental homes.
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That Vacation Home Listed on Airbnb Might Be Owned by Wall Street