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.

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

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.

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

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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?

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.

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;

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

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.

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.

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 (...)

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.

Oli, I want you more than I’ve ever wanted anything in my life… except for how badly I want you to be safe. I want you as strong as we can get you, even if that means your bond starts eating every soul it comes across. Does that make me as bad as my father and the rest of the Resistance? Maybe. Maybe, but that’s the price I’ll happily pay. The road to hell for me is paved with everything I would do for you, and that list never fucking ends.

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.

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.

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.

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.

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.

The 50-inch TCL Roku TV balances picture quality and value for money. And this is also what happens when America’s top TV brand and the world’s most popular streaming services content instantly and from one single place. You have everything on the Roku from live TV to game console or if you wish choose from over 1500 streaming channels. This is also the widest selection any smart TV has ever had. Find that perfect movie or TV show easily across top streaming channels by title, actor or director with the acclaimed Roku ‘Search’ feature. On the Roku, you will find more than 200,000 streaming movies and shows that you can choose from. The Remote is simple and puts control into the users’ hands and lets you instantly choose your preferred content from anywhere. Use the Roku Mobile app on your smartphone or tablet to control your Roku TV. Cast your personal media, videos and photos and even music to the big screen. With a 120 Hz refresh rate, the TV displays images at 1080p. It has a built-in wireless and not one, but three HDMI ports that provide a high definition multimedia interface. Wired calls the TCL Roku TV ‘The First Smart TV worth using’. The TCL TV has a Roku box built into it. It is a smart TV that includes the Roku operating system, which is also the favorite OS for most users. The OS is considered as one of the best compared to all the other products and definitely better than any other smart TVs. Recently, the Roku TV was displayed at the prestigious CES 2018 with a brand new OS. We all know a lot about Roku and there are lots of Roku fans across the United States. The recently released series of Roku OS 8 comes with some new and improved features. All Roku TVs have a ‘Tuner’ input that enables you to plug into an antenna and look for channels. In the new Roku TV, the ‘Tuner’ input is available on the Home screen itself; which makes it very easy to navigate to it without fumbling Once you select the ‘Tuner’ input it takes you to the last tuned channel You will also get a preview of what is playing right now The Roku OS 8 also comes with a Smart Guide where you will get a 14-day preview of what is available on all the channels that the Roku TV has scanned for Scroll through the Smart Guide to find out your next programming on the list The experience is fluid with no judder or lag; users will be able to scan through the Smart Guide very easily All you have to do is use the HD antenna and the Roku TV will pop up all the entertainment information In addition to the Smart Guide, there is also a new feature called ‘More Ways to Watch’ Anytime Roku identifies a content that is on the Smart Guide, which is also available on other Roku channels it is marked with a ‘*’. This indicates that there are more ways to watch a single programming content You also don’t have to wait to watch your favorite programming Wherever you see the ‘*’at any time on the Smart Guide, hit the ‘Ok’ button on your remote and watch it on another Roku channel instantly The pricing for the channel or programming is also displayed If you have a Roku set top box that is connected to a different TV (other than the Roku), there is a new feature in the ‘Search’ where Roku will tell you the channel on which a particular programming is available with the precise timing. The Roku OS 8 has already been pushed out to all the players and TVs. The same OS 8 version is available for Roku Set top boxes as well. If any problem in Roku setup, please call us @+1-877-302-5260

It soon became clear why investors were clamouring to buy a piece of TV18 for Rs 180 a share. The stock market delivered a belated Valentine’s Day squeeze to the company as it listed on the BSE on 16 February 2000. The Financial Express reported that ‘[t]he TV18 stock opened on BSE at Rs 1950, moved to a high of Rs 1990 before closing at Rs 1667.’4 Outlook Money magazine explained what this meant: Last Wednesday’s explosive listing of Television Eighteen’s shares was a spectacular event, even by the standards of a market that has seen plenty of fireworks this past year. Investors who were able to buy shares the company issued in December certainly expected a handsome appreciation from the public offer price of Rs 180. But not a few were stunned when within 15 minutes of commencement of trading in the company’s shares, they were trading at Rs 1990—an astonishing 1006 per cent gain!

Sure, that sounds kinda cool,” I’d say, dropping it in the calendar. Later, I’d pay the price of massive distraction and overwhelm. My agenda became a list of everyone else’s agendas. Saying yes to too much “cool” will bury you alive and render you a B-player, even if you have A-player skills. To develop your edge initially, you learn to set priorities; to maintain your edge, you need to defend against the priorities of others.

My analysis work proved that there are thirty major reasons for failure, and thirteen major principles through which people accumulate fortunes. In this chapter, a description of the thirty major causes of failure will be given. As you go over the list, check yourself by it, point by point, for the purpose of discovering how many of these causes-of-failure stand between you and success. 1. UNFAVORABLE HEREDITARY BACKGROUND. There is but little, if anything, which can be done for people who are born with a deficiency in brain power. This philosophy offers but one method of bridging this weakness-through the aid of the Master Mind. Observe with profit, however, that this is the ONLY one of the thirty causes of failure which may not be easily corrected by any individual. 2. LACK OF A WELL-DEFINED PURPOSE IN LIFE. There is no hope of success for the person who does not have a central purpose, or definite goal at which to aim. Ninety-eight out of every hundred of those whom I have analyzed, had no such aim. Perhaps this was the 3. LACK OF AMBITION TO AIM ABOVE MEDIOCRITY. We offer no hope for the person who is so indifferent as not to want to get ahead in life, and who is not willing to pay the price. 4. INSUFFICIENT EDUCATION. This is a handicap which maybe overcome with comparative ease. Experience has proven that the best-educated people are often those who are known as "self-made," or self-educated. It takes more than a college degree to make one a person of education. Any person who is educated is one who has learned to get whatever he wants in life without violating the rights of others. Education consists, not so much of knowledge, but of knowledge effectively and persistently APPLIED. Men are paid, not merely for what they know, but more particularly for WHAT THEY DO WITH THAT WHICH THEY KNOW. 5.LACK OF SELF-DISCIPLINE. Discipline comes through self-control. This means that one must control all negative qualities. Before you can control conditions, you must first control yourself. Self-mastery is the hardest job you will ever tackle. If you do not conquer self, you will be conquered by self. You may see at one and the same time both your best friend and your greatest enemy, by stepping in front of a mirror. 6. ILL HEALTH. No person may enjoy outstanding success without good health. Many of the causes of ill health are subject to mastery and control. These, in the main are: a. Overeating of foods not conducive to health b. Wrong habits of thought; giving expression to negatives. c. Wrong use of, and over indulgence in sex. d. Lack of proper physical exercise e. An inadequate supply of fresh air, due to improper breathing.

Brooklyn, like the West Village, again makes me think of gentrification's ability to erase collective memory. I cannot imagine what people who aren't from New York think when they move to Brooklyn. Do they know they're moving into neighborhoods where just ten years ago you wouldn't have seen a white person at any time of day? Do they know that every apartment listed on Craigslist as 'newly renovated' was once inhabited by someone else who likely made a life there before the ground under their feet became too valuable? It's hard not to feel guilt living here, and I wonder if other gentrifiers feel the same way. I represent the domino effect. I was priced out of Manhattan, but I know my existence in this borough comes at the cost of the erasure of others' cultures and senses of home. I know the woman with the Gucci bag in the West Village elicits the same kind of angst within me as my presence does for a native Brooklynite. I try to stay away from the hippest joints and I try to support long-established businesses, but I often fail at doing these things, and I know that even when I'm successful at trekking this increasingly narrow path, I've only done so much. Brooklyn, like the West Village, is irrevocably changed, and I know I'm part of that. The question is, how do I stop it when the process is so much larger than me and has already progressed so far? Mass displacement means that there are fewer and fewer people coming to Brooklyn now know only that it's hip and expensive and has good brunch. As Sarah Schulman writes, gentrifiers 'look in the mirror and think it's a window, believing that corporate support for and inflation of their story is in fact a neutral and accurate picture of the world.' It's a circular logic that dictates Brooklyn is Brooklyn because it's Brooklyn - the brand mimicked by hipsters all over the world and mocked in hundreds of tired late-night parodies. What gentrifier sees Brooklyn not as it is but as the consequence of a powerful and violent system?

Before diving in, consult QuantitativeMedicine.net for the latest list (and pricing). Enter “Blood Test Panels” in the search box. The availability and usefulness of the various tests are moving targets. Several important tests are no longer available. The reasons for this are unknown, but almost surely financial. We hope they return, along with some useful new ones. Good

Unrequited love does not die; it’s only beaten down to a secret place where it hides, curled and wounded; it turns bitter and mean, and those who come after pay the price for the hurt done by the one who came before.” —Elle Newmark, The Book of Unholy Mischief

retailers can sometimes focus on their competition so much that they are often less astute when buying (i.e. their competitive effort is directed horizontally rather than vertically). In these circumstances it is not unusual for a manufacturer to find that it is possible to raise the list price offered to all retailers without being criticised. The retailers are focusing on the discount from the given list price, as the list price is known to be common to all retailers. Thus, the objective for retailers in the negotiations is to win greater discounts, bonuses, promotions support, delays of payment and so on than other retailers, but not primarily to compete for profit with the manufacturer.

Owing to the ever-increasing pressure on space, as retailers continue to extend private label ranges, there is a risk of branded products being moved to less-optimal locations, having fewer promotional slots and facings or being delisted. Manufacturers cannot wait for this to happen before reacting; they must be proactive in making the case for their brands. While the absolute cash and margins on private labels may be higher for the retailer, the manufacturer has to shift the focus to total system profitability. Many factors favour manufacturer brands when total profitability is considered, including: Sales velocity: Shelfspace turnover is often higher for manufacturer brands. The velocity of leading manufacturer brands is often 10% higher. Profit per linear inch of shelfspace. Discounts and off-invoice allowances: Includes slotting allowances, listing fees, promotional deals, advertising and merchandising allowances, and credit for return of unsold merchandise. Promotional and advertising fees. Provision of ‘free’ logistics services: Includes transportation, warehouse and store labour, and merchandising help for the retailer. Manufacturer brands usually retail at higher-than-average prices: Even when the net margin on manufacturer brands is lower, the absolute cash profit per unit may be higher.

Standard Business Stress - Preventable 1. List the top ten challenging situations in your life/business 2. Choose the top 3 challenges to tackle first: You’re going to tackle these challenges first. Here are the basic steps: Brainstorm at least 3 ways to prevent this situation from happening Brainstorm at least 3 contingency plans to stop/reduce this from happening Solution to try first Also, list any additional resources or support you’ll need to stop or reduce each challenging situation from happening. Example Challenge: Stressful Clients Stressful clients suck! But without customers your business will obviously fail. But what if you hate your clients – can your business survive without them? It may be incredibly scary to even consider dropping someone as a client. What if you never get another client? But also ask yourself these questions: How much stress does this client bring to my life? How much time do I devote to working for, thinking about, or stressing about this client? Could I spend this time devoted to either acquiring new clients, or servicing my existing clients? When you understand how time and stress relate to each other, you can see clearly how important it is to eliminate problem clients. Not only for your well-being, but for the overall health of your business Brainstorm at least 3 ways to prevent this situation from happening: Fire them (in a nice way) Create a stronger client policy Raise my prices Brainstorm at least 3 contingency plans to stop this from happening: 1.

Price-matching tactics can also curb the price-cutting zeal of the competition and restore order and profits. In one example, Big Star, a large supermarket in the United States, were suffering from price attacks by another supermarket, Food Lion. Big Star announced that they would ‘match to the cent and for all time’ Food Lion’s prices on a named set of competitive lines, listed in their Price Finder magazine. The

According to his upbringing, there were certain subjects that it was ill-mannered to raise in conversation with a new acquaintance. With the likes of politics, religion, fatness, and house prices, it seemed reasonable to assume that "being dead" was likely to be somewhere on the list.

The al Qaeda War Manual, discovered by British police in a raid on an al Qaeda safe house, and translated from Arabic, lists “Patience” as one of the 14 qualifications for membership in the Jihadist organization. “He should be patient in performing the work, even if it lasts a long time.

A sound study-library must be a top priority. For many, such a library has been unimportant and the result has been an impoverished ministry, lacking depth, breadth, and stimulation. An excellent library is constructed by deliberate acquisition rather than “accidental” accumulation. Since an expository preacher's library is an integral part of his pulpit work, it should be assembled with an eye toward the highest quality.4 A preliminary indication of what a core library is not will help understand what it should be: 1. It is not a collection of inferior books donated to the preacher by well-meaning friends and listeners. 2. It is not an accumulation of books offered on sale or at discount prices. 3. It is not simply a collection of materials that are highly recommended or found on standard lists of bibliographies.

David and Neil were MBA students at the Wharton School when the cash-strapped David lost his eyeglasses and had to pay $700 for replacements. That got them thinking: Could there be a better way? Neil had previously worked for a nonprofit, VisionSpring, that trained poor women in the developing world to start businesses offering eye exams and selling glasses that were affordable to people making less than four dollars a day. He had helped expand the nonprofit’s presence to ten countries, supporting thousands of female entrepreneurs and boosting the organization’s staff from two to thirty. At the time, it hadn’t occurred to Neil that an idea birthed in the nonprofit sector could be transferred to the private sector. But later at Wharton, as he and David considered entering the eyeglass business, after being shocked by the high cost of replacing David’s glasses, they decided they were out to build more than a company—they were on a social mission as well. They asked a simple question: Why had no one ever sold eyeglasses online? Well, because some believed it was impossible. For one thing, the eyeglass industry operated under a near monopoly that controlled the sales pipeline and price points. That these high prices would be passed on to consumers went unquestioned, even if that meant some people would go without glasses altogether. For another, people didn’t really want to buy a product as carefully calibrated and individualized as glasses online. Besides, how could an online company even work? David and Neil would have to be able to offer stylish frames, a perfect fit, and various options for prescriptions. With a $2,500 seed investment from Wharton’s Venture Initiation Program, David and Neil launched their company in 2010 with a selection of styles, a low price of $95, and a hip marketing program. (They named the company Warby Parker after two characters in a Jack Kerouac novel.) Within a month, they’d sold out all their stock and had a 20,000-person waiting list. Within a year, they’d received serious funding. They kept perfecting their concept, offering an innovative home try-on program, a collection of boutique retail outlets, and an eye test app for distance vision. Today Warby Parker is valued at $1.75 billion, with 1,400 employees and 65 retail stores. It’s no surprise that Neil and David continued to use Warby Parker’s success to deliver eyeglasses to those in need. The company’s Buy a Pair, Give a Pair program is unique: instead of simply providing free eyeglasses, Warby Parker trains and equips entrepreneurs in developing countries to sell the glasses they’re given. To date, 4 million pairs of glasses have been distributed through Warby Parker’s program. This dual commitment to inexpensive eyewear for all, paired with a program to improve access to eyewear for the global poor, makes Warby Parker an exemplary assumption-busting social enterprise.

I used to make the mistake of looking at a price tag and thinking that if an item was listed at fifty dollars, it cost me fifty dollars. Well, yes, in today’s dollars. But if you consider the potential value of that same fifty dollars after it has been invested for twenty years, the cost (what you lose by spending that money rather than using it to grow) is four or five times greater! In other words, every time you look at an item that costs fifty dollars you have to ask, “Is this item worth $250?” If it’s worth $250 to you today, then it’s worth buying. Keep that in mind next time you go to a place like Costco, with all sorts of amazing things that you didn’t know you had to have.

After twelve months of going nowhere, the investment committee loses patience and takes over the deal more directly. Organic is sold to a special-purpose acquisition company (or SPAC) listed on local stock exchanges. A SPAC is a cash box with a blank check raised from investors to buy a business within a set timeframe as determined by the executives who run the vehicle. Often, as the vehicle is publicly listed, a SPAC can strike a deal at a higher purchase price than a private equity firm would be willing to pay. Its investors will accept a lower return than they would from a private equity fund, often because the investment is marketed to them as a safer or more straightforward bet. In this case, the SPAC is run by a former senior executive of a French food retail chain and a major hedge fund seeking to expand into the private equity industry. Their joint sector and finance experience is convincing enough for the SPAC’s investors to agree that the transaction is likely to be worthwhile. The

Best Budget Travel Destinations Ever Are you looking for a cheap flight this year? Travel + Leisure received a list of the most affordable locations this year from one of the top travel search engines in the world, Kayak. Kayak then considered the top 100 locations with the most affordable average flight prices, excluding outliers due to things like travel restrictions and security issues. To save a lot of money, go against the grain. Mexico Unsurprisingly, Mexico is at the top of the list of the cheapest places to travel in 2022. The United States has long been seen as an accessible and affordable vacation destination; low-cost direct flights are common. San José del Cabo (in Baja California Sur), Puerto Vallarta, and Cancun are the three destinations within Mexico with the least expensive flights, with January being the most economical month to visit each. Fortunately, January is a glorious month in each of these beachside locales, with warm, balmy weather and an abundance of vibrant hues, textures, and flavors to chase away the winter blues. Looking for a city vacation rather than a beach vacation? Mexico City, which boasts a diverse collection of museums and a rich Aztec heritage, is another accessible option in the country. May is the cheapest month to travel there. Chicago, Illinois Who wants to go to Chicago in the winter? Once you learn about all the things to do in this Midwest winter wonderland and the savings you can get in January, you'll be convinced. At Maggie Daley Park, spend the afternoon ice skating before warming up with some deep-dish pizza. Colombia Colombia's fascinating history, vibrant culture, and mouthwatering cuisine make it a popular travel destination. It is also inexpensive compared to what many Americans are used to paying for items like a fresh arepa and a cup of Colombian coffee. The cheapest month of the year to fly to Bogotá, the capital city, is February. The Bogota Botanical Garden, founded in 1955 and home to almost 20,000 plants, is meticulously maintained, and despite the region's chilly climate, strolling through it is not difficult. The entrance fee is just over $1 USD. In January, travel to the port city of Cartagena on the country's Caribbean coast. The majority of visitors discover that exploring the charming streets on foot is sufficient to make their stay enjoyable. Tennessee's Music City There's a reason why bachelorette parties and reunions of all kinds are so popular in Music City: it's easy to have fun without spending a fortune. There is no fee to visit a mural, hot chicken costs only a few dollars, and Honky Tonk Highway is lined with free live music venues. The cheapest month to book is January. New York City, New York Even though New York City isn't known for being a cheap vacation destination, you'll find the best deals if you go in January. Even though the city never sleeps, the cold winter months are the best time for you to visit and take advantage of the lower demand for flights and hotel rooms. In addition, New York City offers a wide variety of free activities. Canada Not only does our neighbor Mexico provide excellent deals, but the majority of Americans can easily fly to Canada for an affordable getaway. In Montréal, Quebec, you must try the steamé, which is the city's interpretation of a hot dog and is served steamed in a side-loading bun (which is also steamed). It's the perfect meal to eat in the middle of February when travel costs are at their lowest. Best of all, hot dogs are inexpensive and delicious as well as filling. The most affordable month to visit Toronto, Ontario is February. Even though the weather may make you wary, the annual Toronto Light Festival, which is completely free, is held in February in the charming and historic Distillery District. Another excellent choice at this time is the $5 Bentway Skate Trail under the Gardiner Expressway overpass.

Salesforce and QuickBooks integration: the wrong audience I built many integrations for Connex, and Salesforce was one of my first. Intuit built one on their app store, but they later discontinued it. Here is why mine failed: Connex syncs ecommerce solutions. Amazon was one of our best sellers. Salesforce.com is a CRM, and this was a bad product fit for us. I had no understanding of the target audience. What features did they require? How much would they pay? Salesforce is geared towards medium and enterprise-level companies. We focused primarily on small businesses. The integration was difficult to build. Salesforce could hold orders, but users often added or removed fields. Our software had no logic to handle dynamically mapping fields. Each user’s Salesforce was different. Almost every user required a great deal of hand-holding. This is bad for a SaaS company. There were many technical issues. Users wanted features that I could not build. I built the integration because Salesforce has a large following, but my audience was just a subset of that group. How big your audience is, is anyone’s guess. We had a listing on Salesforce’s app store, but the listing failed to gather any traffic. I was unsure how many QuickBooks users required a Salesforce integration. There was a limited audience for this tool. The tool became a distraction because other products were selling much better. I had to raise the price of the integration because it took longer to set it up. This idea made my pricing more complicated, while my company is all about simplicity.

Trumpism is, at heart, not a philosophy but an enemies list.

We couldn’t afford a bigger place if it were parked on top of a trash barge forty-five minutes into Jersey,” Libby says. “Last time I looked at apartment listings, everything was like, One-bedroom, zero-bath crawl space inside a serial killer’s wall; utilities included but you provide the victims! And even that was outside our price range.

In a traditional camera store, cameras typically are not ranked number one versus number ten. But online retailers make it easy to list products in rank order by customer ratings, or to filter results to include only products with every conceivable desirable feature. Products with lower rankings or only nine out of ten desirable features receive disproportionately lower sales from even small differences in quality, convenience, or pricing performance.

We are a comparison site created specifically to bring gardeners and customers together and get multiple quotes all on one platform from your local gardeners, It's a one-stop shop for all your gardening needs. Take your pick from the best local gardeners near you. Simply post your job and let the gardeners come to you! No listing fees, Professional local gardeners, Compare competitive quote prices, Saving you time and COVID safe approach.

He cooks from his heart. From his soul." A pause, where I took in his words. "That is, when he is not drawing." That was a surprise. "Drawing?" "He draws little comics," the bartender said. He disappeared down below the bar again. This time when he popped up, he was holding what looked like an old menu. "Look." I took the menu and flipped through. Yes, it listed various dishes and their prices. But the artist---Luke---had doodled all over it, tiny pictures of the food, wavy lines of steam rising over bowls of rice specks and eggs, and slightly larger pictures of the people enjoying them as elaborate anime characters: their eyes enormous, little strings of drool slipping from the corners of mouth slashes, frizzled lines of movement showing their frenzy as they dove through the menu categories looking for more food. "This is adorable," I said with some surprise. I hadn't pictured Luke, with his posh accent that slipped out when he wasn't paying attention and his buttoned-up fancy restaurants, drawing cartoons. "Yes," the bartender said. "Adorable.

Putin and his defenders abroad bragged about Russia’s rising GDP, but it was like taking the average temperature of all the patients in a hospital. According to the 2015 numbers, even after a year of Western sanctions and plunging oil prices, there are still eighty-eight Russian billionaires on the Forbes list, which still doesn’t list Putin or several of his closest cronies. I find it impossible to believe that a man like Putin who holds the power of life and death over eighty-eight billionaires is not the richest of them all. The occasional leaks about mysterious Black Sea mansions and enormous bank transfers to nowhere add more circumstantial evidence to the case that by now Putin is likely the richest man in the world.

Find a price curve anomaly. Decide for a market inefficiency to exploit – or discover a new one. The best known inefficiencies are listed in the next chapter. Think about which price curve anomaly this effect could produce (an anomaly is any systematic deviation from randomness). Describe it with a quantitative formula or at least a qualitative criteria. You’ll need that for the next step.

Editor’s introduction: Welcome our guide on guest blogging in seo. That’s right, send it a spot on profcontent from our friend alex. Alex breaks down everything beginners need to know to start blogging on the web. Take that, Alex. What is good blogging? Guest blogging- also referred to as blogging – is the need to contribute to another person’s blog to build relevant exposure, leads and links. Link are a primary ranking factor in goggle, and seo offer a strong chance of getting a link back from another website, among other marketing considerations in guest blogging. Guest blogging build a relationship with the blogger hosting your post, connects with the blogger hosting your post, connects with their audience for additional exposure, and helps you build authority among that audience. The premise is simple: you write a blog article tailored to the needs of a particular blogger and get a backlink in return, What Is Guest Blogging in SEO? A Guide for usually below the article in what’s called an author box. Blogger are inserted in publishing high- quality content on their blogs that they can use to attract new readers as well as share with their exiting audience. This makes guest blogging a win-win solution for both website owners who want to rank higher in search engines (and need link to do so) and bloggers who want to drive more readers to their blog. Interested in attracting more readers their blog. Is guest blogging good for bloggers? The short answer is yes again. As extensive as the blogger is shrewdness and eager to spend time sifting through and excision posts from outside bases, guest blogging can be a great source of valuable content for the blogger’s audience. An important portion of removal any external role is reviewing the links inside the content Take a look at this (or another) post a bout guest blogging and inbound marketing written by Neil Patel. Almost every paragraph has an external link. You get, Neil knows that links add price to a post by if more material and additional incomes. Be like Neil. To be on the benign side, examine guest posts for superiority and make sure you only link to superiority websites that add price to the mesh. To type sure the websites you’re involving to are immobile available, aren’t recurring 404s, or readdressing to dissimilar content. 1.find list of top blogs. The first step of prospects is pretty obvious: type a phrase like “ top [ industry specific] blogs list” into goggle and review the results. Opinion all the blogs registered one by one on each sheet in the search fallouts. Most likely you find great blogs this way, but only a few of them can accept guest articles from contributors. 2. Advanced search with search strings: Google has many hunt strings to help you find exact happy on the web, which you can syndicate into search If you are novel to this, you can learn extra here or here. If you search for [“keyword” and “write for us”], your results will look like the image under. 3. Shadow people or businesses who actively visitor blog. One of the best ways to find great guest blogging opportunities is to find other people who consistently contribute quality guest posts to industry- related websites. Most people and companies share their posts through social media profiles. Once I ran across a twitter profile that was basically sharing their guest posts, so I pretty much grew my list in no time. Stab this search thread to find sites anywhere a precise person or business published a guest post: “individual name “or” corporation name” “guest column”.

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

But three flaws still existed. There was no regulation. With all the growth in the market, there were no calls to regulate Repo financing, securities dealers, or government bonds. The securities rules set up in the 1930s mainly targeted individual investors, the stock market, and banks. For years, there was never an outcry to regulate the government bond market. Large, sophisticated investors buying and selling AAA-rated, risk free, government bonds was not high on the to-do list. And free markets were much more a rallying cry in the 1980s than it is today. Then, and this is a big one, it was still market convention to price Repo transactions without including the coupon accrued interest. Accrued interest was basically just ignored by the Repo market. Third, there was uncertainty in terms of the legal status of Repo. What happened if a Repo counterparty went bankrupt or became insolvent? Was Repo a secured loan or a sale with an agreement to repurchase? No one really knew and it was never tested. Even the bankruptcy court was unsure whether a Repo was a collateralized loan or a sale and buy-back.

Non-Round Numbers Are Better at Anchoring Choosing a round number will send the message—especially to experienced negotiators—that you have no specific rationale for that price. And, if you have no rationale for a price, it’s reasonable to assume that you aren’t committed to that price. For example, if a house is listed at $250,000, and you offer $200,000, a smart seller will realize that it’s unlikely that $200,000 number has any specific meaning to you, and that you’re likely just fishing to see if the seller will budge on their price. On the other hand, if you were to offer, $204,200 on that same house, the seller will assume there was thought put into that offer, and will likely believe that the number has some specific meaning. You could reinforce this belief by communicating additional information to the seller when making the offer. For example, before offering $204,200, you might say to the seller: Investor: “I’m glad I met you today… this is actually perfect timing. I just left a closing this morning where I sold a previous property, and I have some cash available to make another purchase.” You haven’t said that the amount of cash you have available is $204,200, but given that your offer is so specific, the seller will likely assume a connection. The seller is now anchored to your $204,200 number, subconsciously thinking that this number is important to your side of the negotiation, perhaps even a requirement for you. Later in the negotiation, you can reinforce this anchor by saying something to the effect of: Investor: “I only have a specific amount of cash available to invest right now. I may be able to increase my offer a little bit, but not much.” Without saying it, you have reinforced the belief that $204,200 is the specific amount you have available to purchase the property, though you’re willing to reluctantly try to find a few more nickels under the sofa cushion.

Most’s eclectic background also provided the spark behind the invention of what would become known as the ETF. During his travels around the Pacific, he had appreciated the efficiency of how traders would buy and sell warehouse receipts of commodities, rather than the more cumbersome physical vats of coconut oil, barrels of crude, or ingots of gold. This opened up a panoply of opportunities for creative financial engineers. “You store a commodity and you get a warehouse receipt and you can finance on that warehouse receipt. You can sell it, do a lot of things with it. Because you don’t want to be moving the merchandise back and forth all the time, so you keep it in place and you simply transfer the warehouse receipt,” he later recalled.19 Most’s ingenious idea was to, after a fashion, mimic this basic structure. The Amex could create a kind of legal warehouse where it could place the S&P 500 stocks, and then create and list shares in the warehouse itself for people to trade. The new warehouse-cum-fund would take advantage of the growth and electronic evolution in portfolio trading—the simultaneous buying and selling of big baskets of stocks first pioneered by Wells Fargo two decades earlier—and a little-known aspect of mutual funds: They can do “in kind” transactions, exchanging shares in a fund for a proportional amount of the stocks it contains, rather than cash. Or an investor can gather the correct proportion of the underlying stocks and exchange them for shares in the fund. Stock exchange “specialists”—the trading firms on the floor of the exchange that match buyers and sellers—would be authorized to be able to create or redeem these shares according to demand. They could take advantage of any differences that might open up between the price of the “warehouse” and the stock it contained, an arbitrage opportunity that should help keep it trading in line with its assets. This elegant creation/redemption process would also get around the logistical challenges of money coming in and out continuously throughout the day—one of Bogle’s main practical concerns. In basic terms, investors can either trade shares of the warehouse between themselves, or go to the warehouse and exchange their shares in it for a slice of the stocks it holds. Or they can turn up at the warehouse with a suitable bundle of stocks and exchange them for shares in the warehouse. Moreover, because no money changes hands when shares in the warehouse are created or redeemed, capital gains tax can be delayed until the investor actually sells their shares—a side effect that has proven vital to the growth of ETFs in the United States. Only when an ETF is actually sold will investors have to pay any capital gains taxes due.

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