Purchase Related Quotes

What are you doing following me around the back streets of London, you little idiot?” Will demanded, giving her arm a light shake. Cecily’s eyes narrowed. “This morning it was cariad (note: Welsh endearment, like ‘darling’ or ‘love’), now it’s idiot.” “Oh, you’re using a Glamour rune. There’s one thing to declare, you are not afraid of anything when you live in the country. But this is London.” “I’m not afraid of London,” Cecily said defiantly. Will leaned closer, almost hissing in her ear *and said something very complicated in Welsh* She laughed. “No, it wouldn’t do you any good to tell me to go home. You are my brother, and I want to go with you.” Will blinked at her words. You are my brother, and I want to go with you. It was the sort of thing he was used to hearing Jem say. Although Cecily was unlike Jem in every other conceivable possible way, she did share one quality with him. Stubbornness. When Cecily said she wanted something, it did not express an idle desire, but an iron determination. “Do you even care where I’m going?” he said. “What if I were going to hell?” “I’ve always wanted to see hell,” Cecily said. “Doesn’t everyone?” “Most of us spend our time trying to stay out of it, Cecily. I’m going to an ifrit den, if you must know, to purchase drugs from vile, dissolute criminals. They may clap eyes on you, and decide to sell you.” “Wouldn’t you stop them?” “I suppose it would depend on whether they cut me a part of the profit.” She shook her head. “Jem is your parabatai,” she said. “He is your brother, given to you by the Clave, but I am your sister by blood. Why would you do anything for him, but you only want me to go home?” “How do you know the drugs are for Jem?” Will said. “I’m not an idiot, Will.” “No, more’s the pity. Jem- Jem is like the better part of me. I would not expect you to understand. I owe him. I owe him this.” “So what am I?” Cecily said. Will exhaled, too desperate to check himself. “You are my weakness.” “And Tessa is your heart,” she said, not angrily, but thoughtfully. “I am not fooled. As I told you, I’m not an idiot. And more’s the pity for you, although I suppose we all want things we can’t have.” “Oh,” said Will, “and what do you want?” “I want you to come home.” A strand of black hair was stuck to her cheek by the dampness, and Will fought the urge to pull her cloak closer about her, to make her safe as he had when she was a child. “The Institute is my home,” Will sighed, and leaned his head against the stone wall. “I can’t stand out her arguing with you all evening, Cecily. If you’re determined to follow me into hell, I can’t stop you.” “Finally,” she said provingly. “You’ve seen sense. I knew you would, you’re related to me.” Will fought the urge to shake her. “Are you ready?” She nodded, and he raised his hand to knock on the door.

consumers tend to be more price sensitive if they are purchasing products that are undifferentiated, expensive relative to their incomes, or of a sort where quality is not particularly important to them.

The principles underlying propaganda are extremely simple. Find some common desire, some widespread unconscious fear or anxiety; think out some way to relate this wish or fear to the product you have to sell; then build a bridge of verbal or pictorial symbols over which your customer can pass from fact to compensatory dream, and from the dream to the illusion that your product, when purchased, will make the dream come true. They are selling hope. We no longer buy oranges, we buy vitality. We do not just buy an auto, we buy prestige. And so with all the rest. In toothpaste, for example, we buy not a mere cleanser and antiseptic, but release from the fear of being sexually repulsive. In vodka and whisky we are not buying a protoplasmic poison which in small doses, may depress the nervous system in a psychologically valuable way; we are buying friendliness and good fellowship, the warmth of Dingley Dell and the brilliance of the Mermaid Tavern. With our laxatives we buy the health of a Greek god. With the monthly best seller we acquire culture, the envy of our less literate neighbors and the respect of the sophisticated. In every case the motivation analyst has found some deep-seated wish or fear, whose energy can be used to move the customer to part with cash and so, indirectly, to turn the wheels of industry.

Algebra was far more interesting when it was a matter of proportioning out mutton chops so as to poison only half of one’s dinner guests and then determining the relative value of purchasing a more expensive, yet more effective, antidote over a home remedy.

It was already getting dark out, but I kept my sunglasses on. I didn't want to have to look anybody in the eye. I didn't want to relate to anybody too keenly. Plus, the fluorescent lights at the drug store were blinding. If I could have purchased my medications from a vending machine, I would have paid double for them.

The author of these Travels, Mr. Lemuel Gulliver, is my ancient and intimate friend; there is likewise some relation between us on the mother's side. About three years ago, Mr. Gulliver growing weary of the concourse of curious people coming to him at his house in Redriff, made a small purchase of land, with a convenient house, near Newark, in Nottinghamshire, his native country; where he now lives retired, yet in good esteem among his neighbours.

The owner of the means of production is in a position to purchase the labor power of the worker. By using the means of production, the worker produces new goods which become the property of the capitalist. The essential point about this process is the relation between what the worker produces and what he is paid, both measured in terms of real value. Insofar as the labor contract is "free," what the worker receives is determined not by the real value of the goods he produces, but by his minimum needs and by the capitalists' requirements for labor power in relation to the number of workers competing for jobs. It is important to understand that even in theory the payment of the worker is not determined by the value of his product.

The freedoms that we have were purchased not just by those in uniform—and they definitely were—but also by those who took their lives into their hands, riding those Greyhound buses—the Freedom Riders, in the deep south, in the 1960s, who knew full well that they would be arrested, and they were, serving time, in the Mississippi State Penitentiary. Rosa Parks, getting from the back of the bus to the front of the bus. Peaceful, nonviolent protest.

Whereas penetration most often means that industry demand will level off, for durable goods, achieving penetration can lead to an abrupt drop in industry demand. After most potential customers have purchased the product, its durability implies that few will buy replacements for a number of years. If industry penetration has been rapid, this situation may translate into several very lean years for industry demand. For example, industry sales of snowmobiles, which underwent very rapid penetration, fell from 425,000 units per year in the peak year (1970-1971) to 125,000 to 200,000 units per year in 1976-1977.6 Recreational vehicles underwent a similar though not quite so dramatic decline. The relation between the growth rate after penetration and growth before penetration will be a function of how fast penetration has been reached and the average time before replacement, and this figure can be calculated.

The additional purchasing power which has to be sucked into the process of capitalist circulation can only come from outside capitalist relations of production properly called, through forcing non-capitalist social classes (essentially peasants and pre-capitalist landowners) ruinously to spend their revenue on capitalist commodities.

The coat was black and drab and obviously purchased for the sake of utility without any thought of fashion. It's the type of sacrifice you make when you're a bigger person.

But since anagram-related clues are now inadmissible as evidence, we sent the pork pie off for DNA analysis and managed to pinpoint the pie shop where it was purchased.

Your job is to help your customers get the most out of their purchase and feel like they have gotten true value for their money.

your ears are too small for some things

In making purchase decisions, customers are essentially influenced by three factors. First, they are influenced by marketing communications in various media such as television ads, print ads, and public relations. Second, they are persuaded by the opinions of their friends and family. Third, they also have personal knowledge and an attitude about certain brands based on past experiences.

She was cuckoo about dime stores, where she bought cosmetics and pins and combs. After we locked the expensive purchases in the station wagon we went into McCory's or Kresge's and were there by the hour, up and down the aisles with the multitude, mostly of women, and in the loud-played love music. Some things Thea liked to buy cheaply, they maybe gave her the best sense of the innermost relations of pennies and nickels and explained the real depth of money. I don't know. But I didn't think myself too good to be wandering in the dime store with her. I went where and as she said and did whatever she wanted because I was threaded to her as if through the skin. So that any trifling object she took pleasure in could become important to me at once; anything at all, a comb or hairpin or piece of line, a compass inside a tin ring that she bought with great satisfaction, or a green billed baseball cap for the road, or the kitten she kept in the apartment - she would never be anywhere without an animal.

There’s an implication for influence: persuaders would be wise to match the System 1 versus 2 orientation of any appeal to the corresponding orientation of the recipient. Thus, if you are considering a car purchase primarily from the standpoint of its emotionally relevant features (attractive looks and exhilarating acceleration), a salesperson would be well advised to convince you by using feelings-related arguments.

The last extreme of popular liberty is when the slave bought with money, whether male or female, is just as free as his or her purchaser; nor must I forget to tell of the liberty and equality of the two sexes in relation to each other.

In addition, unlike Othello, whose profession of arms is socially honorable, Shylock is a professional usurer who, like a prostitute, has a social function but is an outcast from the community. But, in the play, he acts unprofessionally; he refuses to charge Antonio interest and insists upon making their legal relation that of debtor and creditor, a relation acknowledged as legal by all societies. Several critics have pointed to analogies between the trial scene and the medieval Processus Belial in which Our Lady defends man against the prosecuting Devil who claims the legal right to man’s soul. […] But the differences between Shylock and Belial are as important as their similarities. The comic Devil of the mystery play can appeal to logic, to the letter of the law, but he cannot appeal to the heart or to the imagination, and Shakespeare allows Shylock to do both. In his "Hath not a Jew eyes…" speech in Act III, Scene I, he is permitted to appeal to the sense of human brotherhood, and in the trial scene, he is allowed to argue, with a sly appeal to the fear a merchant class has of radical social evolution: You have among you many a purchased slave Which like your asses and your dogs and mules, You use in abject and in slavish parts, which points out that those who preach mercy and brotherhood as universal obligations limit them in practice and are prepared to treat certain classes of human beings as things.

The man who wields the blood-clotted cowskin during the week fills the pulpit on Sunday, and claims to be a minister of the meek and lowly Jesus. The man who robs me of my earnings at the end of each week meets me as a class- leader on Sunday morning, to show me the way of life, and the path of salvation. He who sells my sister, for purposes of prostitution, stands forth as the pious advocate of purity. He who proclaims it a religious duty to read the Bible denies me the right of learning to read the name of the God who made me. He who is the religious advocate of marriage robs whole millions of its sacred influence, and leaves them to the ravages of wholesale pollution. The warm defender of the sacredness of the family relation is the same that scatters whole families,— sundering husbands and wives, parents and children, sisters and brothers,—leaving the hut vacant, and the hearth desolate. We see the thief preaching against theft, and the adulterer against adultery. We have men sold to build churches, women sold to support the gospel, and babes sold to purchase Bibles for the poor heathen! all for the glory of God and the good of souls! The slave auctioneer’s bell and the church-going bell chime in with each other, and the bitter cries of the heart-broken slave are drowned in the religious shouts of his pious master. Revivals of religion and revivals in the slave-trade go hand in hand together. The slave prison and the church stand near each other. The clanking of fetters and the rattling of chains in the prison, and the pious psalm and solemn prayer in the church, may be heard at the same time. The dealers in the bodies and souls of men erect their stand in the presence of the pulpit, and they mutually help each other. The dealer gives his blood-stained gold to support the pulpit, and the pulpit, in return, covers his infernal business with the garb of Christianity. Here we have religion and robbery the allies of each other—devils dressed in angels’ robes, and hell presenting the semblance of paradise.

Thus, consumption taxes tend to reduce conspicuous consumption and promote longer-term retirement security, family wealth, social welfare, technical progress, and economic growth. In essence, income taxes penalize people for what they contribute to society (labor and capital), whereas consumption taxes penalize people for what they take out of society (new retail purchases). So, to tax experts, it is no surprise that U.S. and U.K. citizens spend too much and don’t save enough, relative to what would be optimal for society and even for themselves.

Abdullah Ibn Dinar relates, "Once I was walking with the Caliph Omar near Mecca when we met a shepherd's slave-boy driving his flock. Omar said to him, "Sell me a sheep." The boy answered, "They are not mine, but my master's." Then, to try him, Omar said, "Well, you can tell him that a wolf carried one off, and he will know nothing about it." "No, he won't," said the boy, "but God will." Omar then wept, and, sending for the boy's master, purchased him and set him free, exclaiming, "For this saying thou art free in this world and shalt be free in the next." There

Self-respect cannot be hunted. It cannot be purchased. It is never for sale. It cannot be fabricated out of public relations. It comes to us when we are alone, in quiet moments, in quiet places, when we suddenly realize that, knowing the good, we have done it; knowing the beautiful, we have served it; knowing the truth we have spoken it

While there are certainly informational spillovers as ideas move from person to person, it is hard to see why in most instances they are not priced. Although it is possible to imagine examples such as the wheelbarrow where an idea cannot be used without revealing the secret, relatively few ideas are of this type. For copyrightable creations such as books, music, plays, movies and art, unpriced spillovers obviously play little role. A book, a CD or a work of art must be purchased before it can be used, and the creator is free to make use of his creation in the privacy of his home without revealing the secret to the public at large. Similarly with movies or plays. In all cases, the creation must effectively be purchased before the “secret” is revealed.

But having developed productive forces to a tremendous extent, capitalism has become enmeshed in contradictions which it is unable to solve. By producing larger and larger quantities of commodities, and reducing their prices, capitalism intensifies competition, ruins the mass of small and medium private owners, converts them into proletarians and reduces their purchasing power, with the result that it becomes impossible to dispose of the commodities produced. On the other hand, by expanding production and concentrating millions of workers in huge mills and factories, capitalism lends the process of production a social character and thus undermines its own foundation, inasmuch as the social character of the process of production demands the social ownership of the means of production; yet the means of production remain private capitalist property, which is incompatible with the social character of the process of production. These irreconcilable contradictions between the character of the productive forces and the relations of production make themselves felt in periodical crises of overproduction, when the capitalists, finding no effective demand for their goods owing to the ruin of the mass of the population which they themselves have brought about, are compelled to burn products, destroy manufactured goods, suspend production, and destroy productive forces at a time when millions of people are forced to suffer unemployment and starvation, not because there are not enough goods, but because there is an overproduction of goods.

the effects of a decline in any one person’s after-tax income are dramatically different from those of an across-the-board decline. If you alone experience an income decline, you’re less able to buy what you want. But when everyone’s income declines simultaneously, relative purchasing power is unaffected. And it’s relative purchasing power that determines who gets things that are in short supply.

All the public inscriptions in the town were painted alike, in severe characters of black and white.  The jail might have been the infirmary, the infirmary might have been the jail, the town-hall might have been either, or both, or anything else, for anything that appeared to the contrary in the graces of their construction.  Fact, fact, fact, everywhere in the material aspect of the town; fact, fact, fact, everywhere in the immaterial.  The M’Choakumchild school was all fact, and the school of design was all fact, and the relations between master and man were all fact, and everything was fact between the lying-in hospital and the cemetery, and what you couldn’t state in figures, or show to be purchaseable in the cheapest market and saleable in the dearest, was not, and never should be, world without end, Amen.   A

People don't really trust advertisement they trust people. A large percentage of people make purchase decisions based on their friends review than just from advertisers. Brands that rely sole on adverts to sell, will eventually fade out. You need to get people to talk about your brand in a more positive manner without twisting their arms. If you fake it your will fade. So, focus on relationship marketing, because customers are the best brand ambassadors

1)    The woman has intuitive feelings that she is at risk. 2)    At the inception of the relationship, the man accelerated the pace, prematurely placing on the agenda such things as commitment, living together, and marriage. 3)    He resolves conflict with intimidation, bullying, and violence. 4)    He is verbally abusive. 5)    He uses threats and intimidation as instruments of control or abuse. This includes threats to harm physically, to defame, to embarrass, to restrict freedom, to disclose secrets, to cut off support, to abandon, and to commit suicide. 6)    He breaks or strikes things in anger. He uses symbolic violence (tearing a wedding photo, marring a face in a photo, etc.). 7)    He has battered in prior relationships. 8)    He uses alcohol or drugs with adverse affects (memory loss, hostility, cruelty). 9)    He cites alcohol or drugs as an excuse or explanation for hostile or violent conduct (“That was the booze talking, not me; I got so drunk I was crazy”). 10)   His history includes police encounters for behavioral offenses (threats, stalking, assault, battery). 11)   There has been more than one incident of violent behavior (including vandalism, breaking things, throwing things). 12)   He uses money to control the activities, purchase, and behavior of his wife/partner. 13)   He becomes jealous of anyone or anything that takes her time away from the relationship; he keeps her on a “tight leash,” requires her to account for her time. 14)   He refuses to accept rejection. 15)   He expects the relationship to go on forever, perhaps using phrases like “together for life;” “always;” “no matter what.” 16)   He projects extreme emotions onto others (hate, love, jealousy, commitment) even when there is no evidence that would lead a reasonable person to perceive them. 17)   He minimizes incidents of abuse. 18)   He spends a disproportionate amount of time talking about his wife/partner and derives much of his identity from being her husband, lover, etc. 19)   He tries to enlist his wife’s friends or relatives in a campaign to keep or recover the relationship. 20)   He has inappropriately surveilled or followed his wife/partner. 21)   He believes others are out to get him. He believes that those around his wife/partner dislike him and encourage her to leave. 22)   He resists change and is described as inflexible, unwilling to compromise. 23)   He identifies with or compares himself to violent people in films, news stories, fiction, or history. He characterizes the violence of others as justified. 24)   He suffers mood swings or is sullen, angry, or depressed. 25)   He consistently blames others for problems of his own making; he refuses to take responsibility for the results of his actions. 26)   He refers to weapons as instruments of power, control, or revenge. 27)   Weapons are a substantial part of his persona; he has a gun or he talks about, jokes about, reads about, or collects weapons. 28)   He uses “male privilege” as a justification for his conduct (treats her like a servant, makes all the big decisions, acts like the “master of the house”). 29)   He experienced or witnessed violence as a child. 30)   His wife/partner fears he will injure or kill her. She has discussed this with others or has made plans to be carried out in the event of her death (e.g., designating someone to care for children).

I gain nothing but pleasure from writing fiction; short stories are foreplay, novellas are heavy petting – but novels are the full monte. Frankly, if I didn't enjoy writing novels I wouldn't do it – the world hardly needs any more and I can think of numerous more useful things someone with my skills could be engaged in. As it is, the immersion in parallel but believable worlds satisfies all my demands for vicarious experience, voyeurism and philosophic calithenics. I even enjoy the mechanics of writing, the dull timpani of the typewriter keys, the making of notes – many notes – and most seducttive of all: the buying of stationery. That the transmogrification of my beautiful thoughts into a grossly imperfect prose is always the end result doesn't faze me: all novels are only a version- there is no Platonic ideal. But I'd go further still: fiction is my way of thinking about and relating to the world; if I don't write I'm not engaged in any praxis, and lose all purchase.

the welfare states of western Europe were not politically divisive. They were socially re-distributive in general intent (some more than others) but not at all revolutionary—they did not ‘soak the rich’. On the contrary: although the greatest immediate advantage was felt by the poor, the real long-term beneficiaries were the professional and commercial middle class. In many cases they had not previously been eligible for work-related health, unemployment or retirement benefits and had been obliged, before the war, to purchase such services and benefits from the private sector. Now they had full access to them, either free or at low cost. Taken with the state provision of free or subsidized secondary and higher education for their children, this left the salaried professional and white-collar classes with both a better quality of life and more disposable income. Far from dividing the social classes against each other, the European welfare state bound them closer together than ever before, with a common interest in its preservation and defense.

Value" has no meaning other than in relation to living beings. The value of a thing is always relative to a particular person, is completely personal and different in quantity for each living human - "market value" is a fiction, merely a rough guess at the average of personal values, all of which must be quantitatively different or trade would be impossible ... This very personal relationship, "value," has two factors for a human being: first, what he can do with a thing, its use to him ... and second, what he must do to get it, its cost to him. There is an old song which asserts "the best things in life are free." Not true! Utterly false! This was the tragic fallacy which brought on the decadence and collapse of the democracies of the twentieth century; those noble experiements failed because the people had been led to believe that they could simply vote for whatever they wanted ... and get it, without toil, without sweat, without tears. Nothing of value is free. Even the breath of life is purchased at birth only through gasping effort and pain.

August 29th WANT NOTHING = HAVE EVERYTHING “No person has the power to have everything they want, but it is in their power not to want what they don’t have, and to cheerfully put to good use what they do have.” —SENECA, MORAL LETTERS, 123.3 Is there a person so rich that there is literally nothing they can’t afford? Surely there isn’t. Even the richest people regularly fail in their attempts to buy elections, to purchase respect, class, love, and any number of other things that are not for sale. If obscene wealth will never get you everything you want, is that the end of it? Or is there another way to solve for that equation? To the Stoics, there is: by changing what it is that you want. By changing how you think, you’ll manage to get it. John D. Rockefeller, who was as rich as they come, believed that “a man’s wealth must be determined by the relation of his desires and expenditures to his income. If he feels rich on $10 and has everything he desires, he really is rich.” Today, you could try to increase your wealth, or you could take a shortcut and just want less.

Two weeks ago, our flat purchase fell through. It seems that, with a total disregard for my blood pressure and a relationship slightly fraying at the edges, the owners have decided not to sell it after all. I rather suspect they’ve merely decided not to sell it to us, probably because someone else had offered them a bit more money. Luckily, we’ve only spent a couple of thousand fucking pounds on solicitors and surveys and whatnot. I know more about this flat – that I will now never set foot in again – than I do about any of my closest blood relations.

Big data is based on the feedback economy where the Internet of Things places sensors on more and more equipment. More and more data is being generated as medical records are digitized, more stores have loyalty cards to track consumer purchases, and people are wearing health-tracking devices. Generally, big data is more about looking at behavior, rather than monitoring transactions, which is the domain of traditional relational databases. As the cost of storage is dropping, companies track more and more data to look for patterns and build predictive models".

Roy Jastram has produced a systematic study of the purchasing power of gold over the longest consistent datasets available.6 Observing English data from 1560 to 1976 to analyze the change in gold's purchasing power in terms of commodities, Jastram finds gold dropping in purchasing power during the first 140 years, but then remaining relatively stable from 1700 to 1914, when Britain went off the gold standard. For more than two centuries during which Britain primarily used gold as money, its purchasing power remained relatively constant, as did the price of wholesale commodities.

The second, and related, question was why would an increase in money supply not stimulate spending, returning the economy to full employment? Keynes’s reply was that in a slump the demand for liquidity – emergency money – was so high that further injections of money would simply be absorbed in idle cash balances as a claim on generalised future purchasing power without any impact on current spending. The economy would be stuck in a ‘liquidity trap’. The argument was set out in Chapters 13 and 14 of The General Theory. They are among the more difficult and obscure parts of the book. It

There were, inevitably, children’s clothing stores, furniture shops still offering bedroom sets by layaway, and dollar stores whose awnings teemed with suspended inflatable dolls, beach chairs, laundry carts, and other impulse purchases a mom might make on a Saturday afternoon, exhausted by errand running with her kids. There was the sneaker store where Olga used to buy her cute kicks, the fruit store Prieto had worked at in high school, the little storefront that sold the kind of old-lady bras Abuelita used to wear. On the sidewalks, the Mexican women began to set up their snack stands. Mango with lime and chili on this corner, tamales on that. Until the Mexicans had come to Sunset Park, Olga had never tried any of this food, and now she always tried to leave a little room to grab a snack on her way home. Despite the relatively early hour, most of the shops were open, music blasting into the streets, granting the avenue the aura of a party. In a few more hours, cars with their stereos pumping, teens with boom boxes en route to the neighborhood’s public pool, and laughing children darting in front of their mothers would add to the cacophony that Olga had grown to think of as the sound of a Saturday.

There’s a good explanation for why the Georgian age’s greatest novelist spends so much time in her letters discussing tea and sugar, and the finer details of the trimmings of clothes. These were the things in their lives over which Jane and Cassandra had control. Where the sisters should live was not their choice. Major purchases like furniture were rare. Independent travel, higher education lay out of reach. What did fall within their grasp was the purchase and the use of household supplies, and the ability to give and accept occasional invitations for visits to friends and relatives. No wonder the letters devote so much attention to these matters.

Facilitated by British rule over Palestine during the interwar period, Zionist settlement patterns focused strategically on Palestine's agriculturally rich valleys and coastal plains, largely disregarding the centres of ancient Jewish civilization that were located in Palestine's central hilly regions. This geographical division between the plains and the hills led to a profound redefinition of the territorial location of the Jewish homeland in the first half of the 20th century. When the 1937 Peel partition plan and the 1947 UN partition plan proposed a Jewish state be established in Palestine, they mapped out the coastal and valley areas, where Zionist land purchases were highest relative to the landholdings of the indigenous Arab population.

It is true that there are important differences between that money which plays the chief part in domestic trade, is the instrument of most exchanges, predominates in the dealings between consumers and sellers of consumption goods, and in loan transactions, and is recognized by the law as legal tender, and that money which is employed in relatively few transactions, is hardly ever used by consumers in their purchases, does not function as an instrument of loan operations, and is not legal tender. In popular opinion, the former money only is domestic money, the latter foreign money. Although we cannot accept this if we do not want to close the way to an understanding of the problem that occupies us, we must nevertheless emphasize that it has great significance in other connexions.

As most prosperous people would themselves be quick to concede, they have everything anybody might reasonably be said to need. If higher taxes pose any threat, it would be to make it more difficult for them to buy life’s special extras. But “special” is an inescapably relative concept. To be special means to stand out in some way from what is expected. And almost without exception, special things are in limited supply. There are only so many penthouse apartments with sweeping views of Central Park, for instance. To get one, a wealthy person must outbid peers who also want it. The outcomes of such bidding contests depend almost exclusively on relative purchasing power. And since relative purchasing power is completely unaffected when the wealthy all pay higher taxes, the same penthouses end up in the same hands as before.

During the year we interviewed him, Dr. South spent more than $70,000 for his most recent motor vehicle purchase, related sales tax, and insurance. Yet for the same period, how much did he place in his pension plan? About $5,700! In other words, only about $1 in every $125 of his income was set aside for retirement. The amount of time Dr. South took to find the best deal on his car was also counterproductive. We estimated that it took him more than sixty hours to study, negotiate, and purchase his Porsche. How much time and effort does it take someone to place money in a pension plan? A small fraction of this time and energy. It is easy for Dr. South to say he wants to accumulate wealth, but his actions speak much louder than his words. Perhaps that explains why he has lost a considerable amount of wealth through imprudent investing. Investing when one has little or no intellectual basis for one’s decisions often translates into major losses. T

Qualities such as honesty, determination, and a cheerful acceptance of stress, which can all be identified through probing questionnaires and interviews, may be more important to the company in the long run than one's college grade-point average or years of "related experience." Every business is only as good as the people it brings into the organization. The corporate trainer should feel his job is the most important in the company, because it is. Exalt seniority-publicly, shamelessly, and with enough fanfare to raise goosebumps on the flesh of the most cynical spectator. And, after the ceremony, there should be some sort of permanent display so that employees passing by are continuously reminded of their own achievements and the achievements of others. The manager must freely share his expertise-not only about company procedures and products and services but also with regard to the supervisory skills he has worked so hard to acquire. If his attitude is, "Let them go out and get their own MBAs," the personnel under his authority will never have the full benefit of his experience. Without it, they will perform at a lower standard than is possible, jeopardizing the manager's own success. Should a CEO proclaim that there is no higher calling than being an employee of his organization? Perhaps not-for fear of being misunderstood-but it's certainly all right to think it. In fact, a CEO who does not feel this way should look for another company to manage-one that actually does contribute toward a better life for all. Every corporate leader should communicate to his workforce that its efforts are important and that employees should be very proud of what they do-for the company, for themselves, and, literally, for the world. If any employee is embarrassed to tell his friends what he does for a living, there has been a failure of leadership at his workplace. Loyalty is not demanded; it is created. Why can't a CEO put out his own suggested reading list to reinforce the corporate vision and core values? An attractive display at every employee lounge of books to be freely borrowed, or purchased, will generate interest and participation. Of course, the program has to be purely voluntary, but many employees will wish to be conversant with the material others are talking about. The books will be another point of contact between individuals, who might find themselves conversing on topics other than the weekend football games. By simply distributing the list and displaying the books prominently, the CEO will set into motion a chain of events that can greatly benefit the workplace. For a very cost-effective investment, management will have yet another way to strengthen the corporate message. The very existence of many companies hangs not on the decisions of their visionary CEOs and energetic managers but on the behavior of its receptionists, retail clerks, delivery drivers, and service personnel. The manager must put himself and his people through progressively challenging courage-building experiences. He must make these a mandatory group experience, and he must lead the way. People who have confronted the fear of public speaking, and have learned to master it, find that their new confidence manifests itself in every other facet of the professional and personal lives. Managers who hold weekly meetings in which everyone takes on progressively more difficult speaking or presentation assignments will see personalities revolutionized before their eyes. Command from a forward position, which means from the thick of it. No soldier will ever be inspired to advance into a hail of bullets by orders phoned in on the radio from the safety of a remote command post; he is inspired to follow the officer in front of him. It is much more effective to get your personnel to follow you than to push them forward from behind a desk. The more important the mission, the more important it is to be at the front.

The satiation level beyond which experienced well-being no longer increases was a household income of about $75,000 in high-cost areas (it could be less in areas where the cost of living is lower). The average increase of experienced well-being associated with incomes beyond that level was precisely zero. This is surprising because higher income undoubtedly permits the purchase of many pleasures, including vacations in interesting places and opera tickets, as well as an improved living environment. Why do these added pleasures not show up in reports of emotional experience? A plausible interpretation is that higher income is associated with a reduced ability to enjoy the small pleasures of life. There is suggestive evidence in favor of this idea: priming students with the idea of wealth reduces the pleasure their face expresses as they eat a bar of chocolate! There is a clear contrast between the effects of income on experienced well-being and on life satisfaction. Higher income brings with it higher satisfaction, well beyond the point at which it ceases to have any positive effect on experience. The general conclusion is as clear for well-being as it was for colonoscopies: people’s evaluations of their lives and their actual experience may be related, but they are also different. Life satisfaction is not a flawed measure of their experienced well-being, as I thought some years ago. It is something else entirely.

To the degree that advertising reaches us, occupying our time and thought, it keeps us vibrating within strict limits. If forty million people see a commercial for a car, then forty million people have a car commercial in their heads, all at the same time. This is bound to have more beneficial effect on the commodity system than if, at that moment, all those people were thinking separate thoughts which, in some cases, might not be about commodities at all. Of course, advertising people will argue against the notion that the purpose and result of their activities is to unify and homogenize people and culture. They are forever speaking of the dazzling array of choices our market system provides and how advertising provides the information we need to make choices. It is an ominous sign that so many people can accept this argument, which confuses diversity of product choice with diversity of life-style or thoughts. It ought to be self-evident that if I choose a Ford and you choose a Volvo, we are not expressing diversity, we are expressing unity. Moreover, if you and I at any one moment are both occupied with mental images and feelings related to products—any products— rather than some experience which is not connected to purchasing, then in terms of the commodity system, the gross national product, and the world of advertising, we are indistinguishable; we have merged as “market.” While it might matter to Upjohn or Cutter Laboratories which drug a consumer buys, both are in agreement that they benefit whenever people seek any drug rather than a nondrug solution to a problem. Advertising, then, serves to further the movement of humans into artificial environments by narrowing the conception of diversity to fit the framework of commodities while unifying people within this conception. The result is a singularly channeled mentality, nicely open to receiving commercial messages, ready to confuse brand diversity with diversity itself, and to confuse human need with the advertiser’s need to sell commodities.

But when you actually break down the amount of time, energy, skill, planning, and maintenance that go into care tasks, they no longer seem simple. For example, the care task of feeding yourself involves more than just putting food into your mouth. You must also make time to figure out the nutritional needs and preferences of everyone you’re feeding, plan and execute a shopping trip, decide how you’re going to prepare that food and set aside the time to do so, and ensure that mealtimes come at correct intervals. You need energy and skill to plan, execute, and follow through on these steps every day, multiple times a day, and to deal with any barriers related to your relationship with food and weight, or a lack of appetite due to medical or emotional factors. You must have the emotional energy to deal with the feeling of being overwhelmed when you don’t know what to cook and the anxiety it can produce to create a kitchen mess. You may also need the skills to multitask while working, dealing with physical pain, or watching over children. Now let’s look at cleaning: an ongoing task made up of hundreds of small skills that must be practiced every day at the right time and manner in order to “keep going on the business of life.” First, you must have the executive functioning to deal with sequentially ordering and prioritizing tasks.1 You must learn which cleaning must be done daily and which can be done on an interval. You must remember those intervals. You must be familiar with cleaning products and remember to purchase them. You must have the physical energy and time to complete these tasks and the mental health to engage in a low-dopamine errand for an extended period of time. You must have the emotional energy and ability to process any sensory discomfort that comes with dealing with any dirty or soiled materials. “Just clean as you go” sounds nice and efficient, but most people don’t appreciate the hundreds of skills it takes to operate that way and the thousands of barriers that can interfere with execution.

The first cut at the problem—the simplest but still eye-opening—is to ask how much income would have to be transferred from rich countries to poor countries to lift all of the world’s extreme poor to an income level sufficient to meet basic needs. Martin Ravallion and his colleagues on the World Bank’s poverty team have gathered data to address this question, at least approximately. The World Bank estimates that meeting basic needs requires $1.08 per day per person, measured in 1993 purchasing-power adjusted prices. Using household surveys, the Ravallion team has calculated the numbers of poor people around the world who live below that threshold, and the average incomes of those poor. According to the Bank’s estimates, 1.1 billion people lived below the $1.08 level as of 2001, with an average income of $0.77 per day, or $281 per year. More important, the poor had a shortfall relative to basic needs of $0.31 per day ($1.08 minus $0.77), or $113 per year. Worldwide, the total income shortfall of the poor in 2001 was therefore $113 per year per person multiplied by 1.1 billion people, or $124 billion. Using the same accounting units (1993 purchasing power adjusted U.S. dollars), the income of the twenty-two donor countries of the Development Assistance Committee (DAC) in 2001 was $20.2 trillion. Thus a transfer of 0.6 percent of donor income, amounting to $124 billion, would in theory raise all 1.1 billion of the world’s extreme poor to the basic-needs level. Notably, this transfer could be accomplished within the 0.7 percent of the GNP target of the donor countries. That transfer would not have been possible in 1980, when the numbers of the extreme poor were larger (1.5 billion) and the incomes of the rich countries considerably smaller. Back in 1981, the total income gap was around $208 billion (again, measured in 1993 purchasing power prices) and the combined donor country GNP was $13.2 trillion. Then it would have required 1.6 percent of donor income in transfers to raise the extreme poor to the basic-needs level.

CAN WE TRUST ANYTHING THE NEW YORK TIMES SAYS ABOUT IMMIGRATION? In 2008, the world’s richest man, Carlos Slim Helu, saved the Times from bankruptcy. When that guy saves your company, you dance to his tune. So it’s worth mentioning that Slim’s fortune depends on tens of millions of Mexicans living in the United States, preferably illegally. That is, unless the Times is some bizarre exception to the normal pattern of corruption—which you can read about at this very minute in the Times. If a tobacco company owned Fox News, would we believe their reports on the dangers of smoking? (Guess what else Slim owns? A tobacco company!) The Times impugns David and Charles Koch for funneling “secret cash” into a “right-wing political zeppelin.”1 The Kochs’ funding of Americans for Prosperity is hardly “secret.” What most people think of as “secret cash” is more like Carlos Slim’s purchase of favorable editorial opinion in the Newspaper of Record. It would be fun to have a “Sugar Daddy–Off” with the New York Times: Whose Sugar Daddy Is More Loathsome? The Koch Brothers? The Olin Foundation? Monsanto? Halliburton? Every time, Carlos Slim would win by a landslide. Normally, Slim is the kind of businessman the Times—along with every other sentient human being—would find repugnant. Frequently listed as the richest man in the world, Slim acquired his fortune through a corrupt inside deal giving him a monopoly on telecommunications services in Mexico. But in order to make money from his monopoly, Slim needs lots of Mexicans living in the United States, sending money to their relatives back in Oaxaca. Otherwise, Mexicans couldn’t pay him—and they wouldn’t have much need for phone service, either—other than to call in ransom demands. Back in 2004—before the Times became Slim’s pimp—a Times article stated: “Clearly . . . the nation’s southern border is under siege.”2 But that was before Carlos Slim saved the Times from bankruptcy. Ten years later, with a border crisis even worse than in 2004, and Latin Americans pouring across the border, the Times indignantly demanded that Obama “go big” on immigration and give “millions of immigrants permission to stay.”3

Regret can improve decisions. To begin understanding regret’s ameliorative properties, imagine the following scenario. During the pandemic of 2020–21, you hastily purchased a guitar, but you never got around to playing it. Now it’s taking up space in your apartment—and you could use a little cash. So, you decide to sell it. As luck would have it, your neighbor Maria is in the market for a used guitar. She asks how much you want for your instrument. Suppose you bought the guitar for $500. (It’s acoustic.) No way you can charge Maria that much for a used item. It would be great to get $300, but that seems steep. So, you suggest $225 with the plan to settle for $200. When Maria hears your $225 price, she accepts instantly, then hands you your money. Are you feeling regret? Probably. Many people do, even more so in situations with stakes greater than the sale of a used guitar. When others accept our first offer without hesitation or pushback, we often kick ourselves for not asking for more.[2] However, acknowledging one’s regrets in such situations—inviting, rather than repelling, this aversive emotion—can improve our decisions in the future. For example, in 2002, Adam Galinsky, now at Columbia University, and three other social psychologists studied negotiators who’d had their first offer accepted. They asked these negotiators to rate how much better they could have done if only they’d made a higher offer. The more they regretted their decision, the more time they spent preparing for a subsequent negotiation.[3] A related study by Galinsky, University of California, Berkeley’s, Laura Kray, and Ohio University’s Keith Markman found that when people look back at previous negotiations and think about what they regretted not doing—for example, not extending a strong first offer—they made better decisions in later negotiations. What’s more, these regret-enhanced decisions spread the benefits widely. During their subsequent encounters, regretful negotiators expanded the size of the pie and secured themselves a larger slice. The very act of contemplating what they hadn’t done previously widened the possibilities of what they could do next and provided a script for future interactions.[4]

In the U.S. Articles of Confederation, the federal government gave itself the exclusive right to regulate “the trade and managing all affairs with the Indians.” This power was repeated in the 1790 Trade and Intercourse Act, which further refined “trade” and “affairs” to include the purchase and sale of Indian land. The intent of these two pieces of legislation was clear. Whatever powers states were to have, those powers did not extend to Native peoples. Beginning in 1823, there would be three U.S. Supreme Court decisions—Johnson v. McIntosh, Cherokee v. Georgia, Worcester v. Georgia—that would confirm the powers that the U.S. government had unilaterally taken upon itself and spell out the legal arrangement that tribes were to be allowed. 1823. Johnson v. McIntosh. The court decided that private citizens could not purchase land directly from Indians. Since all land in the boundaries of America belonged to the federal government by right of discovery, Native people could sell their land only to the U.S. government. Indians had the right of occupancy, but they did not hold legal title to their lands. 1831. Cherokee v. Georgia. The State of Georgia attempted to extend state laws to the Cherokee nation. The Cherokee argued that they were a foreign nation and therefore not subject to the laws of Georgia. The court held that Indian tribes were not sovereign, independent nations but domestic, dependent nations. 1832. Worcester v. Georgia. This case was a follow-up to Cherokee v. Georgia. Having determined that the Cherokee were a domestic, dependent nation, the court settled the matter of jurisdiction, ruling that the responsibility to regulate relations with Native nations was the exclusive prerogative of Congress and the federal government. These three cases unilaterally redefined relationships between Whites and Indians in America. Native nations were no longer sovereign nations. Indians were reduced to the status of children and declared wards of the state. And with these decisions, all Indian land within America now belonged to the federal government. While these rulings had legal standing only in the United States, Canada would formalize an identical relationship with Native people a little later in 1876 with the passage of the Indian Act. Now it was official. Indians in all of North America were property.

The Ten Ways to Evaluate a Market provide a back-of-the-napkin method you can use to identify the attractiveness of any potential market. Rate each of the ten factors below on a scale of 0 to 10, where 0 is terrible and 10 fantastic. When in doubt, be conservative in your estimate: Urgency. How badly do people want or need this right now? (Renting an old movie is low urgency; seeing the first showing of a new movie on opening night is high urgency, since it only happens once.) Market Size. How many people are purchasing things like this? (The market for underwater basket-weaving courses is very small; the market for cancer cures is massive.) Pricing Potential. What is the highest price a typical purchaser would be willing to spend for a solution? (Lollipops sell for $0.05; aircraft carriers sell for billions.) Cost of Customer Acquisition. How easy is it to acquire a new customer? On average, how much will it cost to generate a sale, in both money and effort? (Restaurants built on high-traffic interstate highways spend little to bring in new customers. Government contractors can spend millions landing major procurement deals.) Cost of Value Delivery. How much will it cost to create and deliver the value offered, in both money and effort? (Delivering files via the internet is almost free; inventing a product and building a factory costs millions.) Uniqueness of Offer. How unique is your offer versus competing offerings in the market, and how easy is it for potential competitors to copy you? (There are many hair salons but very few companies that offer private space travel.) Speed to Market. How soon can you create something to sell? (You can offer to mow a neighbor’s lawn in minutes; opening a bank can take years.) Up-front Investment. How much will you have to invest before you’re ready to sell? (To be a housekeeper, all you need is a set of inexpensive cleaning products. To mine for gold, you need millions to purchase land and excavating equipment.) Upsell Potential. Are there related secondary offers that you could also present to purchasing customers? (Customers who purchase razors need shaving cream and extra blades as well; buy a Frisbee and you won’t need another unless you lose it.) Evergreen Potential. Once the initial offer has been created, how much additional work will you have to put in in order to continue selling? (Business consulting requires ongoing work to get paid; a book can be produced once and then sold over and over as is.) When you’re done with your assessment, add up the score. If the score is 50 or below, move on to another idea—there are better places to invest your energy and resources. If the score is 75 or above, you have a very promising idea—full speed ahead. Anything between 50 and 75 has the potential to pay the bills but won’t be a home run without a huge investment of energy and resources.

Until this past month, one could essentially purchase Canadian citizenship for about C$100,000 – the interest on a five-year loan of 800K to the government – a price tag that was kept under the radar of the populace, who grew furious on learning it was actually true. It was also collectively humiliated to learn how relatively cheap the price tag was. Also in Canadian citizenship news, Texas senator and Tea party enthusiast Ted Cruz – a man with presidential aspirations – has formally renounced his Canadian citizenship. Born in Canada in 1970 to an American mother, Cruz has always been an American citizen and is technically eligible to run for president, but his opponents ran a vicious smear campaign cruelly branding him as “Canadian Ted”.

Suite 1500, 13450 102 Ave Surrey, BC V3T 5X3 604-581-7001 cbettencourt@mcquarrie.com Chris works with individuals and firms to provide legal advice and expertise for their real estate and business needs. He can plan and draft agreements relating to a wide variety of business and corporate transactions such as securing debt and the incorporation of companies. Chris acts for purchasers of businesses, helping to ensure that they begin their new venture with adequate protection. Chris is also experienced in the acquisition, development, and sale of residential and commercial real estate.

The way Brad’s business works,” she said, “is that companies who are looking to expand send his agency locations where they want to go, and I don’t mean towns or regions. I mean coordinates. Latitude and longitude. Often they’ve already identified the site themselves.” “Why don’t they just buy the property themselves?” I asked. “Something about retailers not wanting to also be in real estate,” she said with a shrug. “It never made much sense to me either, but apparently it’s about showing their investors that they are staying within a particular area of business expertise and subcontracting for related services. Anyway. So a company like yours—Great Deal, right?” “Right.” “Great Deal says they want three stores in metro Atlanta in these locations and they’ll pay between one and three million per lot. Brad goes in, negotiates the deal with the property owner through a broker, ensures the land is suitable, then purchases it for Great Deal. But say he finds out that the seller will part with the land for only a few hundred thousand? He knows Great Deal will pay way more than that so . . .” “He convinces the seller to ask for a higher price and gets a cut of the extra?” I suggest. “Worse,” she said, and now her previous despondency settled back into her body so that she sagged and, for a second, squeezed her eyes shut. “He buys the land himself. Sets up a shell company under someone else’s name, then tries to sell it on to Great Deal at the markup he knows they’ll pay. A million plus profit per site.

List Segmentation to Increase Response You can also use list segmentation to increase your response in a number of ways. For example: Emailing subscribers based in a specific geographic area when you’re running a live event. Making a special offer to subscribers who visited a sales or checkout page but didn’t complete the transaction. Emailing offers of related products to subscribers based on previous purchases, or on age, sex or other demographics. Emailing a one-to-one session offer to subscribers who’ve recently started browsing your site more or opening and clicking more emails.

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United States v. Phillips, 583 F.3d 1261, 1265 (10th Cir. 2009) (defendant disclosed identity of an undercover officer thus preventing him from making controlled purchases from methamphetamine dealers).

There are many potential explanations for the less-than-robust performance, but IBM’s current strategy suggests that one component at least is a challenge to the traditional shrink-wrapped software business. As much as any software provider in the industry, IBM’s software business was optimized and built for a traditional enterprise procurement model. This typically involves lengthy evaluations of software, commonly referred to as “bake-offs,” followed by the delivery of a software asset, which is then installed and integrated by some combination of buyer employees, IBM services staff, or third-party consultants. This model, as discussed previously, has increasingly come under assault from open source software, software offered as a pure service or hosted and managed on public cloud infrastructure, or some combination of the two. Following the multi-billion dollar purchase of Softlayer, acquired to beef up IBM’s cloud portfolio, IBM continued to invest heavily in two major cloud-related software projects: OpenStack and Cloud Foundry. The latter, which is what is commonly referred to as a Platform-as-a-Service (PaaS) offering, may give us both an idea of how IBM’s software group is responding to disruption within the traditional software sales cycle and their level of commitment to it. Specifically, IBM’s implementation of Cloud Foundry, a product called Bluemix, makes a growing portion of IBM’s software portfolio available as a consumable service. Rather than negotiate and purchase software on a standalone basis, then, IBM customers are increasingly able to consume the products in a hosted fashion.

The broad U.S. market returned 10.9 percent annually from 1950 to 2009. That handily beat the 6.1 percent return on five-year Treasury notes and the 3.8 percent level of inflation. Table 6-1 shows the inflation-adjusted returns over different periods of time. Inflation-adjusted returns are also known as real returns because that is the amount of purchasing power investors gained or lost. The real return does not include taxes. Real returns reinforce the fact that inflation is an invisible tax on all investments. The portion of return that is related to inflation cannot be counted as investment gain. When creating an asset allocation for your portfolio, you should always consider the expected real return of the investments you are considering. TABLE

siblings? With my in-laws? With my other relatives? Do I need to forgive any family member? How do I want to relate to my spouse or ex-spouse with respect to the upbringing of our children? What type of family life feels right to me? — My friends and social life: How much time do I want to spend with my friends and acquaintances? What types of friendships do I want to encourage? Do I prefer one or two close friends, or a group of friends? What qualities and characteristics do my friends and I have? What activities would I most enjoy undertaking with them? What changes do I want to make with the people I currently socialize with? Do I need to set or maintain boundaries with any people currently in my life? Do I need to forgive any of my present or past friends? How much time do I want to spend on the telephone with my friends? What are my true beliefs about giving help to my friends? — My hobbies and recreational life: What do I most like to do? What did I like to do for fun when I was a kid? When I was a teenager? What new hobbies or sports do I want to learn? How do I want to spend my weekends and other free time? What equipment, trips, classes, or memberships do I want to purchase? When will I use them? Where? How often? With whom? — My education: What do I want to learn? What

The number of facings, depth of inventory, position compared to flow of traffic and the position within the store affect the amount of notice and purchase for the product. Shelfspace can be augmented further by special displays, end-of-aisle features or flagging information (‘Star Buy’ or ‘30% off this week’). And these are competitive, as shelfspace is a relatively inelastic commodity: more for your brands means less for the competition.

In observing the behavior of thousands of shoppers, letting shoppers group themselves according to behavior, we have identified three primary types of shoppers, as follows:2 • Quick: As noted previously, the number of products purchased most commonly on a shopping trip is one. These shoppers spend a short time in a small area, with a relatively slow walking speed but high spending speed. A third of all trips to the supermarket result in only one or two items being purchased, with fully half of all trips consisting of five or fewer items purchased. • Fill-in: These shoppers visit about a fifth of the store, have a slightly faster—but still slow—walking speed and an average spending speed. • Stock-up: These shoppers cover a larger area, walk more quickly, but have a lower spending speed.

Demand comes in two flavors: natural and artificial. The demand of the hungry to eat something is natural. The same is true for demands related to clothing, shelter, air, and not being murdered. All are as natural as interstellar radiation. The trouble with natural demand is that it can be easily sated. You can only eat or drink so much without rupturing your gastrointestinal system, after all. But artificial demand is different. It’s manufactured. Think of the last product you purchased for a reason other than survival. Was it related to entertainment? Late-night lust? Doesn’t matter. You could’ve bumbled through your existence just fine without it, yet you chose to purchase it because somebody, somewhere, wanted your money. And you forked it over without thinking of that, right? They wanted you to want it, and you played along. The merchants of the universe thank you for playing.

The tendency to focus on the positive comes long before the customer actually makes a purchase decision. Early in the sales process, for example, when sellers are trying to get to higher levels within the account, a salesperson might say, “Mr. Customer, I would like to get a few minutes with your CFO to show him how cost-effective our products are relative to increasing productivity and maximizing the return on your investment.” Sounds like a mini elevator pitch, doesn’t it? Here’s the reverse. “Mr. Customer, would it make sense to spend a few minutes and bring your CFO up to speed, so he doesn’t have a knee-jerk reaction and torpedo the idea?” In preparation for QBS training events, I always ask for a conference call to customize the material for the intended audience. But I don’t ask for a manager’s time so I can “understand their business and deliver better training.” Although these are positive benefits, they don’t necessarily create a sense of urgency. Therefore, I am more inclined to ask a vice president of sales for time on their calendar, “so we don’t completely miss the boat at the upcoming training event.” Both of these questions refer to benefits that would come from strategizing in advance. But how you ask does make a difference.

Pooling can be accomplished either by the government exercising some form of mandate such as income tax and compulsory health-related contributions, or by allowing people to voluntarily purchase some form of insurance.

There are four types of levers that policy makers can pull to bring debt and debt service levels down relative to the income and cash flow levels that are required to service them: Austerity (i.e., spending less) Debt defaults/restructurings The central bank “printing money” and making purchases (or providing guarantees) Transfers of money and credit from those who have more than they need to those who have less

Each and every day, we all are faced with potential risks and must make risk-to-benefit calculations repeatedly. This is a basic fact of life. Our right to make decisions based on the outcome of these calculations is not outlawed by the government, except when it comes to certain recreational drugs. As a scientist, I find this exception particularly frustrating, even hypocritical. The justification for restricting specific drugs is often related to the purported inherent dangers posed by these chemicals. Heroin use, for example, is said to be inherently more dangerous than other legal activities such as gun or car use are. Really? Guns, let’s not forget, are specifically designed to kill. This is not to say that every owner purchases a gun with this goal in mind. As a budding gun hobbyist, I know that’s not true. Still, each year there are about forty thousand gun-related deaths, and more than half are suicides.2 In 2017, heroin-involved deaths reached an all-time peak at just over fifteen thousand, a number well below that of gun deaths.3 (Again, it’s important to note that most of these heroin deaths occurred because the drug was contaminated with a far more potent fentanyl analog or because it was combined with another sedating drug, such as alcohol or sleeping pills.)

Delta Airlines Contact Number +1(855) 653-615 Travelling with Delta Airlines is going to be a worthwhile experience for you owing to the amenities and facilities you will be offered online. You will be treated with customized and exclusive boarding experience, free entertainment, complimentary snacks, spacious seats, and much more. Let’s explore these incredible services. On most of Delta Airlines flights, you are allowed to stream TV shows, music, movies, and more to your phone, tablet, and laptop. You are not even required to purchase the on-board Wi-Fi, just download the Delta Airlines mobile app on your device. Go for Delta Airlines flight reservations and leave all your boredom away. American keeps updating its entertainment content in different languages and genres. If you are a guest of First Class, then you have access to various unparalleled amenities such as amenity kit, more privacy, fully-flat bed, flagship lounge, and much more. The airline offers different travel classes so passengers can choose as per their budget. In addition to these in-flight amenities, some other facilities are also offered on ground like easy check-in, 24/7 available customer service, hassle-free booking procedure, etc. You can anytime call on the American Airlines booking phone number +1-855-653-0615 to seek guidance related to the airline services. Passengers who are going to travel with American Airlines will definitely have a pure blissful flying experience. The airline is an epitome of sheer luxury; choose it as your travel partner and have an enjoyable flight.

Both suppliers and buyers tend to be powerful if: They are large and concentrated relative to a fragmented industry (think Goliath versus many Davids). What percentage of an industry’s purchases/sales does a supplier/buyer represent? Look at the data and map out how it is trending. How painful would it be to lose that supplier or that customer? Industries with high fixed costs (e.g., telecommunications equipment and offshore drilling) are especially vulnerable to large buyers. The industry needs them more than they need the industry. In some cases, there may be no alternative suppliers, at least in the short term. Doctors and airline pilots, to cite two examples, have historically exercised tremendous bargaining power because their skills have been both essential and in short supply. China produces 95 percent of the world’s supply of neodymium, a rare earth metal needed by Toyota and other automakers for electric motors. Neodymium prices quadrupled in just one year (2010), as the Chinese restricted supply. Toyota is working hard to develop a new motor that will end its dependence on rare earth metals. Switching costs work in their favor. This occurs for a supplier when an industry is tied to it, as for example, the PC industry has been to Microsoft, its dominant supplier of operating systems and software. Switching costs work in the buyer’s favor when the buyer can easily drop one vendor for another. The ease with which customers can switch from one airline to another on popular routes makes it hard for airlines to raise prices or cut service levels. Frequent flyer programs were intended to raise switching costs, but they have not been effective. Differentiation works in their favor.

As treaty commissioner during Monroe’s first term, the general both persuaded and bullied Native Americans into ceding large parts of Georgia, Mississippi, Tennessee, and practically all of Alabama to the United States. He then wangled an appointment for his nephew as head government surveyor for the ceded lands. Exploiting the government-owned surveys, the pair, along with other assorted relatives and friends, formed a land investment company that purchased prime real estate in the territory,

A recent Danish study that investigated using kettlebell swings to reduce back pain, started desk workers who suffered work related back pain with 17.5 pound (8 kg.) kettlebells for women and 26.5 pound (12 kg.) for men. Your prime purchase goal for a kettlebell is one that enables your 90-second, 54-swing sessions. The 54 swing target is a goal that you approach slowly. Many people will find a 20 pound (8kg.) weight satisfactory for their 54 swings. As you are building up your time swinging from 30 seconds, to 60 seconds, to 90 seconds(about 18, 36 and 54 swings), your repetitions are more important than the weight. Work your way up to more weight and to more swings. Eventually, a weight of about 20% of your body weight provides a reasonable but challenging lift. A 150 pound man or woman would be swinging a 30 pound (13.6 kg.).

with Facebook’s purchase of Instagram following the introduction of the front-facing camera. By 2012, many teen girls would have felt that “everyone” was getting a smartphone and an Instagram account, and everyone was comparing themselves with everyone else. Over the next few years the social media ecosystem became even more enticing with the introduction of ever more powerful “filters” and editing software within Instagram and via external apps such as Facetune. Whether she used filters or not, the reflection each girl saw in the mirror got less and less attractive relative to the girls she saw on her phone. While girls’ social lives moved onto social media platforms, boys burrowed deeper into the virtual world as they engaged in a variety of digital activities, particularly immersive online multiplayer video games, YouTube, Reddit, and hardcore pornography—all of which became available anytime, anywhere, for free, right on their smartphones. With so many new and exciting virtual activities, many adolescents (and adults) lost the ability to be fully present with the people around them, which changed social life for everyone, even for the small minority that did not use these platforms. That is why I refer to the period from 2010 to 2015 as the Great Rewiring of Childhood. Social patterns, role models, emotions, physical activity, and even sleep patterns were fundamentally recast, for adolescents, over the course of just five years. The daily life, consciousness, and social relationships of 13-year-olds with iPhones in 2013 (who were born in 2000) were profoundly different from those of 13-year-olds with flip phones in 2007 (who were born in 1994).

in her manner of life, she would find an example of what she was now so painfully seeking: interest in life, a dignity in life-apart from the worldly relations of girls with men, which so revolted Kitty, and appeared to her now as a shameful hawking about of goods in search of a purchaser.

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Creatures: modern software for animal people like us. Creatures.com is your online home for all things related to animals. We help each other learn about the responsible care of all creatures great and small, efficiently keep track of our animals and operations, connect with responsible buyers and breeders, safely exchange payments and complete purchases, and arrange for secure transportation across the state, country, or world.

Buffett classified Amex as a ‘relatively undervalued’ general rather than a ‘private owner’ one. He first broke generals into ‘Relatively Undervalued’ and ‘Private Owner’ in January 1965, after his initial purchase of American Express. Buffett noted that this category comprised securities where the private owner concept was not meaningful, often due to the large size of the securities within this group, and said that ‘relatively undervalued’ generals were cheap compared to securities of the same quality.

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Separate organizations with related software needs often find themselves duplicating effort, either by redundantly writing similar code in-house, or by purchasing similar products from proprietary vendors. When they realize what’s going on, the organizations may pool their resources and create (or join) an open source project tailored to their needs. The advantages are obvious: the costs of development are divided, but the benefits accrue to all.

Bizarre and Surprising Insights—Consumer Behavior Insight Organization Suggested Explanation7 Guys literally drool over sports cars. Male college student subjects produce measurably more saliva when presented with images of sports cars or money. Northwestern University Kellogg School of Management Consumer impulses are physiological cousins of hunger. If you buy diapers, you are more likely to also buy beer. A pharmacy chain found this across 90 days of evening shopping across dozens of outlets (urban myth to some, but based on reported results). Osco Drug Daddy needs a beer. Dolls and candy bars. Sixty percent of customers who buy a Barbie doll buy one of three types of candy bars. Walmart Kids come along for errands. Pop-Tarts before a hurricane. Prehurricane, Strawberry Pop-Tart sales increased about sevenfold. Walmart In preparation before an act of nature, people stock up on comfort or nonperishable foods. Staplers reveal hires. The purchase of a stapler often accompanies the purchase of paper, waste baskets, scissors, paper clips, folders, and so on. A large retailer Stapler purchases are often a part of a complete office kit for a new employee. Higher crime, more Uber rides. In San Francisco, the areas with the most prostitution, alcohol, theft, and burglary are most positively correlated with Uber trips. Uber “We hypothesized that crime should be a proxy for nonresidential population.…Uber riders are not causing more crime. Right, guys?” Mac users book more expensive hotels. Orbitz users on an Apple Mac spend up to 30 percent more than Windows users when booking a hotel reservation. Orbitz applies this insight, altering displayed options according to your operating system. Orbitz Macs are often more expensive than Windows computers, so Mac users may on average have greater financial resources. Your inclination to buy varies by time of day. For retail websites, the peak is 8:00 PM; for dating, late at night; for finance, around 1:00 PM; for travel, just after 10:00 AM. This is not the amount of website traffic, but the propensity to buy of those who are already on the website. Survey of websites The impetus to complete certain kinds of transactions is higher during certain times of day. Your e-mail address reveals your level of commitment. Customers who register for a free account with an Earthlink.com e-mail address are almost five times more likely to convert to a paid, premium-level membership than those with a Hotmail.com e-mail address. An online dating website Disclosing permanent or primary e-mail accounts reveals a longer-term intention. Banner ads affect you more than you think. Although you may feel you've learned to ignore them, people who see a merchant's banner ad are 61 percent more likely to subsequently perform a related search, and this drives a 249 percent increase in clicks on the merchant's paid textual ads in the search results. Yahoo! Advertising exerts a subconscious effect. Companies win by not prompting customers to think. Contacting actively engaged customers can backfire—direct mailing financial service customers who have already opened several accounts decreases the chances they will open more accounts (more details in Chapter 7).

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

A strong statement of financial position is one that shows relatively little debt and large amounts of liquid assets relative to the liabilities due in the near future. A strong income statement is one that shows large revenues relative to the expenses required to earn the revenues. A strong statement of cash flows is one that not only shows a strong cash balance but also indicates that cash is being generated by operations. Demonstrating that these positive characteristics of the company are ongoing and can be seen in a series of financial statements is particularly helpful in creating confidence in the company on the part of investors and creditors. Because of the importance of the financial statements, management may take steps that are specifically intended to improve the company’s financial position and financial performance. For example, cash purchases of assets may be delayed until the beginning of the next accounting period so that large amounts of cash will be included in the statement of financial position and the statement of cash flows. On the other hand, if the company is in a particularly strong cash position, liabilities due in the near future may be paid early, replaced with longer-term liabilities, or even replaced by additional investments by owners to communicate that future negative cash flows will not be as great as they might otherwise appear.

In the modern era of the printing press, certificates of indulgence had become a lucrative business for the Church. Indulgence salesmen would come into a town, set up their wares in a local church, suspending all regular prayer and service. Their certificates were mass-produced, with blank spaces for names, dates, and prices, and all good Christians were obligated, for the sake of their dead friends and relatives and for their own souls, to purchase this afterlife insurance to speed the sinner’s exit from purgatory to heaven. Luther found the practice vile and replete with ecclesiastical errors and feared for the fate of people who believed that salvation could be bought. The priests in Wittenberg had a loathsome saying that sickened him, “As soon as a coin in the coffer rings, another soul from purgatory springs.

During the “Runaway” in 1836, the Indians captured a young German girl. At this time the Indians kept their captives for trade; they could be purchased by relatives or friends. A German purchased this young lady, and made her his wife.

Ideology Fidel Castro was considered an ideologue by many. His fanaticism was always a continuing animosity towards the United States, while at the same time working to increase his good relationship with most left leaning Latin American countries. However, there have been times when out of necessity he had a tacit understanding with the United States. On September 11, 2001, Fidel Castro offered Cuban airports as emergency landing places, when all American aircraft were diverted from their primary destinations and ordered to land immediately, after the attack on the Twin Towers in New York City. On another occasion he accepted a one-time purchase of food after Category 4 Hurricane Michelle struck the island that same year. Once, he declined a U.S. Government offer of humanitarian aid turning to Canada instead. Castro continued having close relations with Canada and demonstrated this friendship when he attended Prime Minister Pierre Trudeau’s funeral in the fall of the year 2000. It was a way that he could retain contact with the western world without becoming involved with the United States.

In each case, the relative cost of postponing the purchase for buyer and seller determines the intensity of competition between the [past and future] selves of the seller. If the buyer has a lower cost of postponing the purchase (delay, making do with an interior model) than the seller (inventory, staff salaries) the buyer has the bargaining power.

Surprise Your Competition With These Carpet Cleaning Business In Oklahoma Ideas A strong carpet cleaning service business plan is a critical part of operating a successful business. You are risking everything you have put into your business by not doing your due diligence on a solid business plan. Your growing carpet cleaning service business will benefit from following our strategies. Regardless of whether you are an employee or the owner of the carpet cleaning service business, you are the face of the carpet cleaning company and need to project a positive image at all times when interacting with the public. You will want all customers who come into your business to feel at home and valued. It is essential that employee training includes skills on how to interact with the public and customer relations. Happy customers who'll spread the word through word of mouth are instrumental when it's about expanding your business. It does not mean you have achieved success just because you have reached certain carpet cleaning service business goals. You need to continue to set new goals if you want your business to continue to grow. You'll find that two great approaches to expand the business are by keeping up with new trends in your industry and by remaining strong-minded. If you continually try best to improve your business and follow market trends, you will certainly see your carpet cleaning service business grow. It requires constant dedication, day, and night, to operate a carpet cleaning service business. You should be ready to put in focus, persistence and a lot of time to make it work. Do not expect to be in a position to multitask in the beginning. Knowing when you are overwhelmed and being in a position to hand over some of your responsibilities to others can assist you in becoming a smart business owner. Each time a customer receives superb customer service, he'll most likely return for subsequent purchases. You must be consistent with your efforts to continually please your customers or they might be tempted to take their carpet cleaning service business elsewhere. It is just by setting and adhering to high standards for customer service that your customers will stay with you. The majority of your customers that are lost to your rivals turn towards them because they have a higher standard of customer service. To protect your carpet cleaning service business from legal issues, make it a point to turn in all appropriate legal forms on time and acquire a full understanding of the laws pertaining to your business. We recommend that you consult a lawyer who specializes in business law, even when you already have a basic understanding of business law. The most prosperous carpet cleaning service business can be impacted, or even closed, by an expensive trial. Establishing a working relationship with a lawyer who specializes in business law might be very helpful if you ever find yourself in a legal quandary.

The Chinese renminbi was fixed against the dollar from July of 2005 until June 2009. With a fixed exchange rate, a currency’s value is matched to the value of another single currency or to a basket of other currencies. So when a country pegs its currency to the dollar, the value of the currency rises and falls with the dollar. This action helped China survive the global financial crisis. But China removed the dollar peg after the global financial crisis ended last year. Meanwhile, Japan has also seen the value of the yen grow stronger. With the U.S. economy continuing to lag and growing fiscal uncertainty in European countries, the yen has continued to gain strength because it was the only currency that was stable. So countries like China expanded their purchases of the yen, resulting in the yen’s appreciation. As the yen continued to rise against the dollar, the Japanese government intervened in the currency market in September for the first time since March 2004. This is not the first global currency war the world has seen. In 1985, the finance ministers of West Germany, France, the U.S., Japan and the UK gathered at the Plaza Hotel in New York to sign the Plaza Accord. Under the deal, the countries agreed to bring down the U.S. dollar exchange rate in relation to the Japanese yen and German mark. As the recent currency war continues to spread around the globe, some countries are now saying that there is a need for a new Plaza Accord to stabilize the world economy and the global financial market.

The modern-day dollar bill acquired its current design in 1957. Since then its purchasing power, relative to the consumer price index, has declined by a staggering 87 per cent. Average annual inflation in that period has been over 4 per cent,

I'm sorry, sir, but we have a dress code," said the official. I knew about this. It was in bold type on the website: Gentlemen are required to wear a jacket. "No jacket, no food, correct?" "More or less, sir." What can I say about this sort of rule? I was prepared to keep my jacket on throughout the meal. The restaurant would presumably be air-conditioned to a temperature compatible with the requirement. I continued toward the restaurant entrance, but the official blocked my path. "I'm sorry. Perhaps I wasn't clear. You need to wear a jacket." "I'm wearing a jacket." "I'm afraid we require something a little more formal, sir." The hotel employee indicated his own jacket as an example. In defense of what followed, I submit the Oxford English Dictionary (Compact, 2nd Edition) definition of jacket:1(a) An outer garment for the upper part of the body. I also note that the word jacket appears on the care instructions for my relatively new and perfectly clean Gore-Tex jacket. But it seemed his definition of jacket was limited to "conventional suit jacket." " We would be happy to lend you one, sir. In this style." "You have a supply of jacket? In every possible size?" I did not add that the need to maintain such an inventory was surely evidence of their failure to communicate the rule clearly, and that it would be more efficient to improve their wording or abandon the rule altogether. Nor did I mention that the cost of jacket purchase and cleaning must add to the price of their meals. Did their customers know that they were subsidizing a jacket warehouse?

   Difficulty relaxing    Insomnia    Impatience    Taking on too much responsibility      Recent major life change (marriage, divorce, birth of child, death of close relative, purchase of home, new job, loss of job, etc.)    Irritability    Tension headaches    Sense of isolation from others    Difficulty delegating  

•    Be an intentional blessing to someone. Devote yourself to caring for others. Even when your own needs begin to dominate your attention, set aside time daily to tune in to others. Pray for their specific needs and speak blessings to those you encounter each day. Make them glad they met you.     •    Seek joy. Each morning ask yourself, “Where will the joy be today?” and then look for it. Look high and low—in misty sunbeams, your favorite poem, the kind eyes of your caretaker, dew-touched spiderwebs, fluffy white clouds scuttling by, even extra butterflies summoned by heaven just to make you smile.     •    Prepare love notes. When energy permits, write, videotape, or audiotape little messages of encouragement to children, grandchildren, and friends for special occasions in their future. Reminders of your love when you won’t be there to tell them yourself. Enlist the help of a friend or family member to present your messages at the right time, labeled, “For my granddaughter on her wedding day,” “For my beloved friend’s sixty-fifth birthday,” or “For my dear son and daughter-in-law on their golden anniversary.”     •    Pass on your faith. Purchase a supply of Bibles and in the front flap of each one, write a personal dedication to the child or grandchild, friend, or neighbor you intend to give it to. Choose a specific book of the Bible (the Gospels are a great place to start) and read several chapters daily, writing comments in the margin of how this verse impacted your life or what that verse means to you. Include personal notes or prayers for the recipient related to highlighted scriptures. Your words will become a precious keepsake of faith for generations to come. (*Helpful hint: A Bible with this idea in mind might make a thoughtful gift for a loved one standing at the threshold of eternity. Not only will it immerse the person in the comforting balm of scripture, but it will give him or her a very worthwhile project that will long benefit those he or she loves.)     •    Make love your legacy. Emily Dickinson said, “Unable are the loved to die. For love is immortality.” Ask yourself, “What will people remember most about me?” Meditate on John 15:12: “Love each other as I have loved you” (NIV). Tape it beside your bed so it’s the last thing you see at night and the first thing you see in the morning.     •    “Remember that God loves you and will see you through it.

But data gathered by The Post shows that U-Va. campus police officers made the most arrests against students involving the purchase or consumption of alcohol last year, and 46 of the department's 89 total arrests concerned charges of public swearing or intoxication. In comparison, ABC special agents arrested seven people between the ages of 18 and 22 in 2014, two of whom were Hispanic, and the rest were white. Of the seven arrested, only three were charged with buying or drinking alcohol underage, all of whom were white. The other four were restaurant and convenience store clerks arrested for allegedly selling alcohol to underage patrons. During the same period, Charlottesville city police officers made 35 arrests against U-Va. students in connection with alcohol-related violations, while Albemarle County officers made seven arrests, five of which occurred at the spring Foxfield steeplechase races. The Post obtained arrest statistics from three local departments that patrol in Charlottesville: the city police, the Albemarle County police and the university's campus police. All three departments retain records noting how many U-Va. students are arrested annually. The departments did not provide demographic data related to the arrests. The ABC does not keep records about arrests of U-Va. students, said spokeswoman Becky Gettings, but does retain information related to offenders' ages. The data shows that Charlottesville and Albemarle

Despite the “R” in CRM and the $11 billion spent on CRM software annually, many companies don’t understand customer relationships at all. They lack relational intelligence —that is, they aren’t aware of the variety of relationships customers can have with a firm and don’t know how to reinforce or change those connections. They may be very good at capturing simple demographic data—gender, age, income, and education—and matching them with purchasing information to segment customers into profitability tiers. But this is an industrial view of customer relationships, a sign that many firms still think of customers as resources to be harvested for the next up-sell or cross-sell opportunity rather than as individuals looking for certain kinds of interactions.

economic situation in the 1970s and 1980s also supported the rise of the religious movement. Open economic policies that Sadat introduced in the mid-1970s (al-infitah) put enormous pressures on Egypt's middle class, which witnessed a significant erosion in its purchasing power and its relative standing in society (especially with the rise of segments of the country's lower classes that had significantly benefited from the economic consequences of the migration to the Gulf); the result was a damaging reshuffling in its composition (discussed in Chapter 4). These pressures in turn provided an opportunity for the Muslim Brotherhood to re-establish its presence in Egyptian society.

As the producer states gradually forced the major oil companies to share with them more of the profits from oil, increasing quantities of sterling and dollars flowed to the Middle East. To maintain the balance of payments and the viability of the international financial system, Britain and the United States needed a mechanism for these currency flows to be returned. [...] The purchase of most goods, whether consumable materials like food and clothing or more durable items such as cars or industrial machinery, sooner or later reaches a limit where, in practical terms, no more of the commodity can be used and further acquisition is impossible to justify. Given the enormous size of oil revenues, and the relatively small populations and widespread poverty of many of the countries beginning to accumulate them, ordinary goods could not be purchased at a rate that would go far to balance the flow of dollars (and many could be bought from third countries, like Germany and Japan – purchases that would not improve the dollar problem). Weapons, on the other hand, could be purchased to be stored up rather than used, and came with their own forms of justification. Under the appropriate doctrines of security, ever-larger acquisitions could be rationalised on the grounds that they would make the need to use them less likely. Certain weapons, such as US fighter aircraft, were becoming so technically complex by the 1960s that a single item might cost over $10 million, offering a particularly compact vehicle for recycling dollars. Arms, therefore, could be purchased in quantities unlimited by any practical need or capacity to consume. As petrodollars flowed increasingly to the Middle East, the sale of expensive weaponry provided a unique apparatus for recycling those dollars – one that could expand without any normal commercial constraint.

Segmentation: Consumers’ purchasing behavior and attitudes towards brands differ from one market sector to another, depending largely on product-, market- and distribution-related factors. For this reason, the value of a brand can only be determined precisely through the separate assessment of individual segments that represent a homogenous customer group. Apart from this, brand management can only obtain the insights it needs to increase the brand’s value systematically if the brand has been evaluated in all its segments.

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