Price List Quotes

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?

It was the list of activities thing. Like the menu with price, only I'm not the restaurant; I'm the meal.

Sometimes in a marriage, it is easier to just buy peace and pay the price of swallowing your ego and keeping quiet.

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.

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

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.

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.

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.

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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?

The fear of getting caught was not driven by the fear of paying the price. Rather, it was the fear of having to stop.

When adding descriptions to your online listings or printed materials, lead with benefits and follow with features.

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?

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.

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?

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.

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

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;

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

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.

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.

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.

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.

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 (...)

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.

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.

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.

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.

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

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.

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.

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.

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.

The eighteenth-century literary blockbuster Harris’s List (1757–1795) was an annual almanac of London sex workers, and a masterclass in self-promotion. A forerunner to the modern tart card and TripAdvisor, the list detailed the appearance, skills and prices of up to two hundred women selling sex in the capital. The list was a collaboration between Sam Derrick, an Irish Grub Street hack and poet, and a London pimp, Jack Harris. Only nine known volumes of the list survive today (1761, 1764, 1773, 1774, 1779, 1788, 1789, 1790 and 1793), and they are scattered throughout various archives around the world.

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.

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.

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.

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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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.

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.

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.

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.

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

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.

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.

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.

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.

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.

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

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.

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.

The line from a first customer is usually, “We need a big discount because we are your first customer.” You should turn this around and say, “You need to pay list price because you are going to be the first ones to use it.” If that doesn’t sound rational to the customer, you haven’t found a visionary. Feel free to be flexible on the terms (no payment until delivery, no payment until it works as spec’d, etc.). But be tougher on discounts.

Revelation Chapter 18 details the many goods which are sold through the Daughter of Babylon’s ports. The lengthy list appears in Revelation 18:11-13. Take any one of those goods listed by John two thousand years ago and ask this question: is any other nation the center for world trade in those commodities, except for the United States? Where else does one find exchanges as important as the New York Stock Exchange, the American Stock Exchange, the New York Mercantile Exchange, the New York Cotton Exchange, the Chicago Board of Trade, the Chicago Mercantile Exchange and numerous other exchanges for currency, coffee, sugar, tea, cocoa, soybeans, oats, wheat, cattle, hogs, lumber, diamonds, iron, ivory, marble, spices, cosmetics, steel, tin, zinc, rubber, etc. Those exchanges, through which the world’s commerce is passed daily, are all located in one country. They’re not in Iraq, nor in Rome.

The Daughter of Babylon prophecies are all world events that will happen before the following prophetic events:            a.) the rise of the Antichrist and False Prophet;          b.) the second peace treaty with Israel;          c.) the Rapture of the Church;          d.) the seven year Tribulation period;          e.) the Second Coming of Christ.            The Daughter of Babylon will be removed from the world stage before the above listed prophetic events. In fact, it is the removal of this rich, powerful and influential end times nation that precipitates and leads to the rise of the Antichrist (see Chapter 12 for details). Until the rise of the Antichrist there won’t be a second peace treaty with Israel, nor the seven year Tribulation period which starts with the signing of the treaty. Thus, though escaping the destruction of America by way of a heavenly Rapture would be much preferable to living through it, scripture doesn’t support that option. God’s people, as throughout history, will live in perilous times, with accompanying persecution.

Alibaba took its IPO to investors in a roadshow, having priced the offering at between $60 and $66 a share. This could value the Chinese e-commerce firm at around $160 billion when it lists in New York, which is close to Amazon’s current market valuation. With reports that its order book is already full, Alibaba is likely to raise $20 billion or more on its stockmarket debut, and possibly be the most lucrative IPO ever.

When would you feel more pride, when you purchase a product at a reduced price or at the listed price? We can afford luxury or we can’t, that is the way it is.

Lamb & Flag 33 Rose St, Covent Garden, WC2E 9EB Lamb & Flag is an old London pub with a long history dating back to 1623. It was frequented by Charles Dickens, a loyal client, as well as other personalities of his times. Not only is the food delicious, but the portions are also surprisingly large for a pub menu. Plenty of fresh ales can be found here, and if you prefer whisky, you can order from a long list with all kinds of whiskies. Lamb & Flag is a historic pub with a warm ambiance and prompt service – all at competitive prices.

It is no coincidence that Ezekiel, writing centuries before Muhammad was even born, listed as the future invading nations, only nations that today are Muslim, or have large numbers of Muslim residents, such as Russia. There are no Western European nations included in Ezekiel’s list of invaders.

To cover these massive commissions, BAC inflated the price of each Lightning jet by £50,000, listing the cost as ‘Agency Fees’. The commissions went not only to Gaith Pharaon but also to five Saudi princes.

Phlebotomy. Even the word sounds archaic—and that’s nothing compared to the slow, expensive, and inefficient reality of drawing blood and having it tested. As a college sophomore, Elizabeth Holmes envisioned a way to reinvent old-fashioned phlebotomy and, in the process, usher in an era of comprehensive superfast diagnosis and preventive medicine. That was a decade ago. Holmes, now 30, dropped out of Stanford and founded a company called Theranos with her tuition money. Last fall it finally introduced its radical blood-testing service in a Walgreens pharmacy near the company headquarters in Palo Alto, California. (The plan is to roll out testing centers nationwide.) Instead of vials of blood—one for every test needed—Theranos requires only a pinprick and a drop of blood. With that they can perform hundreds of tests, from standard cholesterol checks to sophisticated genetic analyses. The results are faster, more accurate, and far cheaper than conventional methods. The implications are mind-blowing. With inexpensive and easy access to the information running through their veins, people will have an unprecedented window on their own health. And a new generation of diagnostic tests could allow them to head off serious afflictions from cancer to diabetes to heart disease. None of this would work if Theranos hadn’t figured out how to make testing transparent and inexpensive. The company plans to charge less than 50 percent of the standard Medicare and Medicaid reimbursement rates. And unlike the rest of the testing industry, Theranos lists its prices on its website: blood typing, $2.05; cholesterol, $2.99; iron, $4.45. If all tests in the US were performed at those kinds of prices, the company says, it could save Medicare $98 billion and Medicaid $104 billion over the next decade.

A recent George Barna poll revealed that only 1% of Christians interviewed in his poll subscribed to all thirteen listed basic doctrinal principles of our Christian faith. Only one percent. Colson notes that in most churches today, “Biblical illiteracy is rampant.” As I detailed in America at the Crossroads (Tyndale House, 1979), cultures historically have only improved when God’s people get serious and experience spiritual revival. America has not witnessed a nationwide revival since early in the 20th century, over one hundred years ago. Americans really shouldn’t be too surprised that our culture continues to spiral downward. If we are “blind” to our true spiritual condition as an end times Church, our prayer should be that we see our true spiritual condition, as God sees it.          The literal translation of the word “sin” is missing the mark. Are we blind to how far we are from ‘hitting the mark’? Since current polls and demographic studies show that Christians living in America are divorcing, abusing, over-indulging, bankrupting or adultering at rates that don’t differ from non-Christians, we have to admit our blindness.

A call is an option to buy a stated amount of a certain stock at a fixed price—generally near the current market price—at any time during a stated period. Calls on most listed stocks are always on sale by dealers who specialize in them. The purchaser pays a generally rather moderate sum for his option; if the stock then goes up during the stated period, the rise can easily be converted into almost pure profit for him, while if the stock stays put or goes down, he simply tears up his call the way a horseplayer tears up a losing ticket, and loses nothing but the cost of the call. Therefore calls provide the cheapest possible way of gambling on the stock market, and the most convenient way of converting inside information into cash.

Rather than taking supply and demand as a given, the new breed of microeconomist helps nudge the two into line. In the early days of Airbnb, an online market for home rentals, its economists pored over customer data to spot market weaknesses. Costly enhancements, including professional photographs of every listing, are rigorously tested to make sure they work before being rolled out. The company also guides users uncertain about the right rate to charge for a listing. At Uber, a taxi service, prices surge during peak hours, pulling more drivers onto the road. At Poynt, a Silicon Valley startup offering a new type of cashless

PRAYER Father God, I thank You for providing a way so I can know where my tomorrow will be. Thank You for sending Jesus to pay the price on the cross for my sins. I'm so gladIsaid `Yes"as a young girl.!Amen. HEART ACTION If you haven't answered the tomorrow question, today might be the day to settle the most important question in your life. PERSONALIZED TEA PARTY In advance of a tea party, create a list of what makes each woman you have invited beautiful in your eyes. Use examples from that woman's life of how she demonstrates areas of beauty and grace. Share these with the group and encourage others to offer their words of honor as you lift up each person in attendance. Where there's tea there's hope.

Data on how such buyers affect the listed market are difficult to corral. But an InvestigateWest analysis of roughly 12,000 buyers who paid cash for listed homes in Multnomah County between 2006 and 2014 found more than 850 individuals or their corporate doppelgangers buying between two and nine homes. Those buyers were joined by the 26 institutional investors that captured hundreds more. Translation? Among the approximately 12,000 purchases, there were at least 2,750 flips, remodels, redevelopments and new rental acquisitions in place of new homeowners at the lowest price point of the market. Owing to the lack of transparency in real estate holdings — many homes were acquired by opaquely named corporations, and some buyers use several at a time — and to the tendency of equity groups to place houses in the names of their investors rather than of the investment company, that number is likely much higher.

To define best price, Reg NMS relied on the concept of the National Best Bid and Offer, known as the NBBO. If an investor wished to buy 10,000 shares of Microsoft, and 100 shares were offered on the BATS exchange at $30 a share, while the full 10,000 listed on the other twelve exchanges were offered at $30.01, his broker was required to purchase the 100 shares on Bats at $30 before moving on to the other exchanges.

In the late 1990s, Parachute was the market leader with more than 50 per cent market share. Fresh from its success in taking market share in toothpaste away from Colgate using Pepsodent, HUL entered the coconut oil category to take on Marico. Dadiseth, the then chairman of HUL, had warned Mariwala to sell Marico to HUL or face dire consequences. Mariwala decided to take on the challenge. Even the capital markets believed that Marico stood no chance against the might of HUL which resulted in Marico’s price-to-earnings ratio dipping to as low as 7x, as against 13x during its listing in 1996. As part of its plans to take on Marico, HUL relaunched Nihar in 1998, acquired Cococare from Redcon and positioned both brands as price challengers to Parachute. In addition, HUL also increased advertising and promotion spends for its brands. In one quarter in FY2000, HUL’s advertising and promotional (A&P) spend on coconut oil alone was an amount which was almost equivalent to Marico’s full year A&P budget (around Rs 30 crore). As Milind Sarwate, former CFO of Marico, recalls, ‘Marico’s response was typically entrepreneurial and desi. We quickly realized that we have our key resource engine under threat. So, we re-prioritized and focused entirely on Parachute. We gave the project a war flavour. For example, the business conference on this issue saw Mariconians dressed as soldiers. The project was called operation Parachute ki Kasam. The leadership galvanized the whole team. It was exhilarating as the team realized the gravity of the situation and sprang into action. We were able to recover lost ground and turn the tables, so much so that eventually Marico acquired the aggressor brand, Nihar.’ Marico retaliated by relaunching Parachute: (a) with a new packaging; (b) with a new tag line highlighting its purity (Shuddhata ki Seal—or the seal of purity); (c) by widening its distribution; and (d) by launching an internal sales force initiative. Within twelve months, Parachute regained its lost share, thus limiting HUL’s growth. Despite several relaunches, Nihar failed against Parachute. Eventually, HUL dropped the brand Nihar off its power brand list before selling it off to Marico in 2006. Since then, Parachute has been the undisputed leader in the coconut oil category. This leadership has ensured that when one visits the hair oil section in a retail store, about 80 per cent of the shelves are occupied by Marico-branded hair oil.

■ Poor labor efficiency due to lack of job costing ■ Sales team focus on revenue rather than margin (discounting quotes, making concessions, and so on) ■ A lack of emphasis on service sales (rather than product sales), which were generally more profitable ■ Excessive punch list items requiring follow-up work without the ability to invoice ■ Errors in order entry: finish, fabric, pricing, and so on ■ Installation damage and concealed damage on receipt of product ■ Excessive nonbillable overtime ■ High average collection days ■ Small-tool loss and damage

Often in our life we have made a prayer list of items we feel we need. We learned years ago that before venturing out to buy an item at full price, we should give God the opportunity to provide the item at a great sale price, used for still less, or sometimes even for free. We have seen God answer our prayers over and over again. We document these in our family's 'I Spy' book-- a simple spiral notebook that chronicles the faith stories of how God blessed us with material possessions that we needed and prayed for.

Prepare Your Trading Plan “You got to be very careful if you don’t know where you are going, because you might not get there.” — Nicholas Nassim Taleb in The Black Swan Based on your temperament and your trading capital, you must lay out a trading plan. Now, what is a trading plan? The plan defines what you will trade, how you will trade, how and when you will enter or exit, etc. Thus, your trading plan would include some parameters on what kind of moves stocks have to make on price, volume and momentum to get you interested. Also, you must define if you are going to have a list of high liquidity stocks or whether you would go for stocks that start to move suddenly, and so on.

One of the misconceptions in minor hockey is a belief that players have to get on “big city” teams as young as possible to gain exposure when being identified by major junior clubs. For example, the Greater Toronto Hockey League (GTHL) has long been considered a strong breeding ground, with three or four elite AAA teams each year producing some of the top players for the OHL draft. However, on the list of players from Ontario since 1975 who have made the NHL, only 16.8 percent of those players came from GTHL programs while the league itself represents approximately 20 percent of the registered players in the province—that means the league has a per capita development rate of about –3 percent. What the research found was that players from other Ontario minor hockey leagues who elevated to the NHL actually had an edge in terms of career advancement on their GTHL counterparts by the age of nineteen. Each year several small-town Ontario parents, some with players as young as age eight, believe it’s necessary to get their kids on a GTHL superclub such as the Marlboros, Red Wings, or Jr. Canadiens. However, just twenty-one GTHL “import” players since 1997 have played a game in the NHL in the last fifteen years. This pretty much indicates that regardless of where he plays his minor hockey from the ages of eight through sixteen, a player eventually develops no matter how strong his team is as a peewee or bantam. An excellent example comes from the Ontario players born in 1990, which featured a powerhouse team in the Markham Waxers of the OMHA’s Eastern AAA League. The Waxers captured the prestigious OHL Cup and lost a grand total of two games in eight years. In 2005–06, when they were in minor midget (age fifteen), they compiled a record of 64-1-2. The Waxers had three future NHL draft picks on their roster in Steven Stamkos (Tampa Bay), Michael Del Zotto (New York Rangers), and Cameron Gaunce (Colorado). One Waxers nemesis in the 1990 age group was the Toronto Jr. Canadiens of the GTHL. The Jr. Canadiens were also a perennial powerhouse team and battled the Waxers on a regular basis in major tournaments and provincial championships over a seven-year period. Like the Waxers, the Jr. Canadiens team also had three future NHL draft picks in Alex Pietrangelo (St. Louis), Josh Brittain (Anaheim), and Stefan Della Rovere (Washington). In the same 1990 age group, a “middle of the pack” team was the Halton Hills Hurricanes (based west of Toronto in Milton). This club played in the OMHA’s South Central AAA League and periodically competed with some of the top teams. Over a seven-year span, they were marginally over the .500 mark from novice to minor midget. That Halton Hills team produced two future NHL draft picks in Mat Clark (Anaheim) and Jeremy Price (Vancouver). Finally, the worst AAA team in the 1990 group every year was the Chatham-Kent Cyclones—a club that averaged about five wins a season playing in the Pavilion League in Southwestern Ontario. Incredibly, the lowly Cyclones also had two future NHL draft picks in T.J. Brodie (Calgary) and Jason Missiaen (Montreal). It’s a testament that regardless of where they play their minor hockey, talented players will develop at their own pace and eventually rise to the top. You don’t need to be on an 85-5-1 big-city superclub to develop or get noticed.

1.       Is the Daughter the Same as the Mother? 2.       The Hammer of the Whole Earth 3.       A Latter Day Nation 4.       A Nation of Wealth and Luxury 5.       A Multi-Nation ‘Melting Pot’ of a Nation 6.       You Who Live on Many Waters 7.       Center of World Commerce 8.       The Great Voice 9.       They Are Mad Upon Their Idols 10.     The Daughter of Babylon Mounts Up to the Heavens 11.     Where the Nations Gather 12.     She Has Been Proud Against the Lord 13.     Large Jewish Population 14.     Deep Water Port Nation 15.     The Kings of the Medes Won’t Destroy Themselves 16.     A Land of Entertainment 17.     Historical Babylon is Gone and Won’t be Back 18.     Who sits on the Seven Continents of the Earth? 19.     Ancient Babylon has already been Punished 20.     Past Use by God of the Daughter of Babylon 21.     Which Nations are sworn to Defend Israel?                 Scott allowed a minute for everyone to look over the list and then said, “Who’ll be first? Which one of these twenty-clues identifying Mystery Babylon jumps out at you as clearly applying to America?

What MySmartPrice does is help the user solve two problems - what to buy and where to buy. In cases where like-to-like product comparison is difficult, for instance in footwear and fashion, it has a range of filters such as best discounts that help it come up with a consolidated bestseller list with popular products and their specifications.

The focus on context is growing. Leading firms such as Coca-Cola, Amazon, GE, IBM, Google, Hertz, Proctor & Gamble, Standard & Poor’s, and AT&T have begun to use context to shape their offers.

Russian/Muslim Invasion Armageddon Location of Battle:   Northern Mountains of Israel                 Jerusalem (Ezekiel 38:8) (Revelation16:16)     Participants:   Six Specific Listed Nations                    All of the World’s Nations (Ezekiel 38: 1-6)           (Revelation 16:14)     Results of the Battles:   Russian/Muslim armies routed (Ezekiel 39:4)           Christ and the ‘armies of heaven’ return to stop world carnage (Revelation 19:19-21) Destruction in Russia- ‘fire on Magog’   Satan bound (Revelation 20:1-3) (Ezekiel 39:6)                                                Israel buries the dead – seven months;          Christ begins 1,000 year reign; (Revelation 20:6) (Ezekiel 39:14)                                           Israel uses booty for 7 years;                  Jesus reigns in the Temple; (Ezekiel 39:9)                                         (Isaiah 2:1-3)     Israel builds the Temple   (Ezekiel 40-48)

Even if the public issue is fully subscribed, the stock price post listing might fall below the offer price. It might take long time for it to climb back to that level. In this case, the company issuing the stocks and the organization that ran the issue are not affected, but the investors who invested with them. A provision called ‘Safety net’ helps investors to escape from this tragedy. Under this provision the lead manager should buy the stocks back from the investor at the issue price if it falls beneath the offer price. Offer document normally indicates if safety net is in place for the corresponding public issue.

Sadly for few companies, such as Air Deccan, they had to issue shares when market started to correct from the then peak. The response was poor. The company tried to attract investors by lowering the price band from Rs 150-175 to Rs 146-175 and also extended the last bidding day for initial public offer. That was hardly sufficient. After it got listed in the secondary market shares plummeted to Rs 64 levels. If

If I split India’s listed companies into four equal groups, ranked by their ROCE and revenue growth,4 companies with the highest ROCE (i.e. in the topmost 25 per cent or top quartile) have beaten the BSE2005 by 7.7 per cent per annum. Contrast this with the same top quartile for companies with high revenue growth—they have beaten the BSE200 by only 4 per cent per annum. As you would expect, companies which delivered on both fronts (i.e. a combination of top quartile on ROCE and top quartile on revenue growth) have performed even better on the stock price front—they have outperformed the BSE200 by an impressive 11.5 per cent per annum.

Now it is customary for presidents to invite friends and donors to the White House. The Clintons, however, took this practice way beyond acceptable boundaries. Commerce Secretary Ron Brown frequently complained that he had become “a m*th*rf*ck*ng tour guide for Hillary” because foreign trade missions had become nothing more than payback trips for Clinton donors. The Clintons arranged for one fat-cat donor without any war experience to be buried at Arlington National Cemetery.12 They essentially converted White House hospitality into a product that was for sale. They had unofficial tags on each perk, and essentially donors could decide how much to give by perusing the Clinton price list. In a revealing statement, Bill Clinton said on March 7, 1997, “I don’t believe you can find any evidence of the fact that I changed government policy solely because of a contribution.”13 Here we see the business ethic of the man; he seems to think it perfectly acceptable to change policy as long as it is only partly because of a contribution. Remember Travelgate? In May 1993, the entire Travel Office of the White House was fired. The move came as a surprise because these people had been handling travel matters for a long time. The official word was that they were incompetent. But a General Accounting Office inquiry showed that the Clintons wanted to turn over the travel business to her friends the Thomasons. Once the scandal erupted, Hillary, in typical Clinton evasive style, claimed to know nothing about it. She said she had “no role in the decision to terminate the employments,” that she “did not know of the origin of the decision,” and that she did not “direct that any action be taken by anyone with regard to the travel office.” But then a memo surfaced that showed Hillary was telling her usual lies. Written by Clinton aide David Watkins to chief of staff Mack McClarty, the memo noted that five days before the firings, Hillary had told Watkins, “We need those people out—we need our people in—we need the slots.” Watkins wrote that everyone knew “there would be hell to pay” if they failed to take “swift and decisive action in conformity with the First Lady’s wishes.”14 Independent counsel Richard Ray concluded after his investigation that Hillary had provided “factually false” testimony to the GAO, the Independent Counsel, and Congress. He decided, however, not to prosecute her. This would be the first, but not the last, time Hillary’s crimes would go unchecked by the long arm of the law. Just as Bill kept up his predatory behavior toward women because he was never arrested for it, Hillary kept up her moneymaking crime schemes because she was never indicted for any of them. In essence, the Clintons’ behavior was encouraged by lack of accountability.

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

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.

Almost all commentary on the development of a plan will list the ingredients as entry, stop-loss, and price objective. However, to be effective as a loss-control tool, the plan must be derived by deciding STOP, ENTRY, then PRICE OBJECTIVE. Failure to choose a price objective could cost the trader some potential profits. A poor entry price could increase losses or reduce profits. But not having a predetermined stop-loss can, and ultimately will, cost you a lot of money.

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.

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.

Growth-Stock Approach Every investor would like to select the stocks of companies that will do better than the average over a period of years. A growth stock may be defined as one that has done this in the past and is expected to do so in the future.2 Thus it seems only logical that the intelligent investor should concentrate upon the selection of growth stocks. Actually the matter is more complicated, as we shall try to show. It is a mere statistical chore to identify companies that have “out-performed the averages” in the past. The investor can obtain a list of 50 or 100 such enterprises from his broker.† Why, then, should he not merely pick out the 15 or 20 most likely looking issues of this group and lo! he has a guaranteed-successful stock portfolio? There are two catches to this simple idea. The first is that common stocks with good records and apparently good prospects sell at correspondingly high prices. The investor may be right in his judgment of their prospects and still not fare particularly well, merely because he has paid in full (and perhaps overpaid) for the expected prosperity. The second is that his judgment as to the future may prove wrong. Unusually rapid growth cannot keep up forever; when a company has already registered a brilliant expansion, its very increase in size makes a repetition of its achievement more difficult. At some point the growth curve flattens out, and in many cases it turns downward.

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”)

Bezos’s “it” factor was picking the perfect product to sell at the start. He avoided inventory risk (he could return books), expanded the product list beyond what could be sold in stores, and offered a price advantage that could not be matched by the large store-based competitors due to their fixed costs. Then he reinforced his product advantage with an infrastructure edge and expanded his list of products beyond books. Important to note: He sold his infrastructure services to others, including his key competitors, such as Target. To protect itself, another competitor, Walmart, has recently asked some of its suppliers to avoid using web infrastructure services offered by Amazon.com

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.

The Video (optional). A video in which you reiterate much of what was on the website in more dynamic form.         •  Price Choices (optional): The divisions of your company or your list of products.         •  Junk Drawer. The most important part of your website, because it’s where you’re going to list everything you previously thought was important.

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.

In the ensuing centuries, texts that contained such dangerous ideas paid a heavy price for their ‘heresy’. As has been lucidly argued by Dirk Rohmann, an academic who has produced a comprehensive and powerful account of the effect of Christianity on books, some of the greatest figures in the early Church rounded on the atomists. Augustine disliked atomism for precisely the same reason that atomists liked it: it weakened mankind’s terror of divine punishment and Hell. Texts by philosophical schools that championed atomic theory suffered. The Greek philosopher Democritus had perhaps done more than anyone to popularize this theory – though not only this one. Democritus was an astonishing polymath who had written works on a breathless array of other topics. A far from complete list of his titles includes: On History; On Nature; the Science of Medicine; On the Tangents of the Circle and the Sphere; On Irrational Lines and Solids; On the Causes of Celestial Phenomena; On the Causes of Atmospheric Phenomena; On Reflected Images . . . The list goes on. Today Democritus’s most famous theory is his atomism. What did the other theories state? We have no idea: every single one of his works was lost in the ensuing centuries. As the eminent physicist Carlo Rovelli recently wrote, after citing an even longer list of the philosopher’s titles: ‘the loss of the works of Democritus in their entirety is the greatest intellectual tragedy to ensue from the collapse of the old classical civilisation’.

The most meaningful contingency with Superstars is the transaction. To keep from being sucked dry by these vampires, you must always think of yourself as a commodity, because they do. To survive with Superstars, you have to know what they want from you and what you want in return. Then you have to negotiate to get the best price you can. Superstars have absolutely no sense of fairness. If they want something, however, they will generally pay the price, provided it is demanded up front. Don’t extend credit. To negotiate a good price, you have to know what Superstars value. At the top of the list is whatever will make them look good. This can be anything from an impressive bottom line and employees who can do a bang-up job without much supervision, to trophy wives and fancy cars. Narcissistic supplies come in all shapes and sizes. Next on these vampires’ wish list is adoration. With Superstars you just can’t suck up too much. If you’re selling an idea to Superstars, do it quickly. Always cut to the chase, and tell them what’s in it for them if they give you what you want. Forget about snow jobs; these vampires are not easily fooled. Always do your homework. You can bet Superstars have done theirs.

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.

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.

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.

Finally, I ask the listing agent my favorite question: Is there any room for negotiation on the price? If so, how much?

Week 1: Build an Arsenal of Ideas Day 1: Predict the Future Day 2: Learn How Money Grows on Trees Day 3: Brainstorm, Borrow, or Steal Ideas Day 4: Weigh the Obstacles and Opportunities of Each Idea Day 5: Forecast Your Profit on the Back of a Napkin Week 2: Select Your Best Idea Day 6: Use the Side Hustle Selector to Compare Ideas Day 7: Become a Detective Day 8: Have Imaginary Coffee with Your Ideal Customer Day 9: Transform Your Idea into an Offer Day 10: Create Your Origins Story Week 3: Prepare for Liftoff Day 11: Assemble the Nuts and Bolts Day 12: Decide How to Price Your Offer Day 13: Create a Side Hustle Shopping List Day 14: Set Up a Way to Get Paid Day 15: Design Your First Workflow Day 16: Spend 10 Percent More Time on the Most Important Tasks Week 4: Launch Your Idea to the Right People Day 17: Publish Your Offer! Day 18: Sell Like a Girl Scout Day 19: Ask Ten People for Help Day 20: Test, Test, and Test Again Day 21: Burn Down the Furniture Store Day 22: Frame Your First Dollar Week 5: Regroup and Refine Day 23: Track Your Progress and Decide on Next Steps Day 24: Grow What Works, Let Go of What Doesn’t Day 25: Look for Money Lying Under a Rock Day 26: Get It Out of Your Head Day 27: Back to the Future

list of possible patterns for Support & resistance Levels to consider when trading: Prior day High, Low & Close Gap & Previous unclosed Gap AB =CD Trading Range High, Low & Middle boundary Channel lines & Trendline High & Low of large trend bar EMA Opening price of the day Swing Highs & Lows Whole number (such as $50, $120) Fibonacci retracement level: 50%, 61.8% and extensions Daily, Weekly, Monthly High & Low & Close Measured Move Past 3-days High & Low Strong Breakout Bar Any Long-Wick Bar, the rejected portion High Volume Bar’s High, Low & Close News Bar’s High, Low (News such as FOMC report, Inventory Report, Consumer Price Index (CPI) and Producer Price Index (PPI) and others.

The once anticlerical Mussolini, who had written a youthful novel called The Cardinal’s Mistress and, at twenty-one, in a debate with a Swiss pastor, had given God—if He existed—five minutes to strike him dead, had submitted in 1925 to a belated church marriage to his longtime common-law companion Rachele Guidi and to the baptism of their children. In elections on March 24, 1929, the Church’s explicit support helped produce a vote of 98 percent in favor of the Fascist list of candidates (there were no others) for parliament.90 Fascism paid a high price in the long term for the Church’s aid to consensus: as the hare of Fascist dynamism wore itself out, the tortoise of Catholic parish life and culture plodded along to become the basis of Christian democratic rule in Italy after 1945.