Purchased New Home Quotes

When you get older, you notice your sheets are dirty. Sometimes, you do something about it. And sometimes, you read the front page of the newspaper and sometimes you floss and sometimes you stop biting your nails and sometimes you meet a friend for lunch. You still crave lemonade, but the taste doesn’t satisfy you as much as it used to. You still crave summer, but sometimes you mean summer, five years ago. You remember your umbrella, you check up on people to see if they got home, you leave places early to go home and make toast. You stand by the toaster in your underwear and a big t-shirt, wondering if you should just turn in or watch one more hour of television. You laugh at different things. You stop laughing at other things. You think about old loves almost like they are in a museum. The socks, you notice, aren’t organized into pairs and you mentally make a note of it. You cover your mouth when you sneeze, reaching for the box of tissues you bought, contains aloe. When you get older, you try different shampoos. You find one you like. You try sleeping early and spin class and jogging again. You try a book you almost read but couldn’t finish. You wrap yourself in the blankets of: familiar t-shirts, caffe au lait, dim tv light, texts with old friends or new people you really want to like and love you. You lose contact with friends from college, and only sometimes you think about it. When you do, it feels bad and almost bitter. You lose people, and when other people bring them up, you almost pretend like you know what they are doing. You try to stop touching your face and become invested in things like expensive salads and trying parsnips and saving up for a vacation you really want. You keep a spare pen in a drawer. You look at old pictures of yourself and they feel foreign and misleading. You forget things like: purchasing stamps, buying more butter, putting lotion on your elbows, calling your mother back. You learn things like balance: checkbooks, social life, work life, time to work out and time to enjoy yourself. When you get older, you find yourself more in control. You find your convictions appealing, you find you like your body more, you learn to take things in stride. You begin to crave respect and comfort and adventure, all at the same time. You lay in your bed, fearing death, just like you did. You pull lint off your shirt. You smile less and feel content more. You think about changing and then often, you do.

So I close this long reflection on what I hope is a not-too-quaveringly semi-Semitic note. When I am at home, I will only enter a synagogue for the bar or bat mitzvah of a friend's child, or in order to have a debate with the faithful. (When I was to be wed, I chose a rabbi named Robert Goldburg, an Einsteinian and a Shakespearean and a Spinozist, who had married Arthur Miller to Marilyn Monroe and had a copy of Marilyn’s conversion certificate. He conducted the ceremony in Victor and Annie Navasky's front room, with David Rieff and Steve Wasserman as my best of men.) I wanted to do something to acknowledge, and to knit up, the broken continuity between me and my German-Polish forebears. When I am traveling, I will stop at the shul if it is in a country where Jews are under threat, or dying out, or were once persecuted. This has taken me down queer and sad little side streets in Morocco and Tunisia and Eritrea and India, and in Damascus and Budapest and Prague and Istanbul, more than once to temples that have recently been desecrated by the new breed of racist Islamic gangster. (I have also had quite serious discussions, with Iraqi Kurdish friends, about the possibility of Jews genuinely returning in friendship to the places in northern Iraq from which they were once expelled.) I hate the idea that the dispossession of one people should be held hostage to the victimhood of another, as it is in the Middle East and as it was in Eastern Europe. But I find myself somehow assuming that Jewishness and 'normality' are in some profound way noncompatible. The most gracious thing said to me when I discovered my family secret was by Martin, who after a long evening of ironic reflection said quite simply: 'Hitch, I find that I am a little envious of you.' I choose to think that this proved, once again, his appreciation for the nuances of risk, uncertainty, ambivalence, and ambiguity. These happen to be the very things that 'security' and 'normality,' rather like the fantasy of salvation, cannot purchase.

The house, though new to us when we purchased it in the spring, was almost three hundred years old, an uninhabited wreck we had chanced upon,

She described her new treatment with a topical chemotherapy that came in the form of a potent cream that she applied, wearing gloves, to burn off the cancerous areas—then she produced a package of the stuff from the bathroom so I could see how mundane this lifesaving medication looked. I blinked in disbelief as she held up what resembled a tube of toothpaste, and explained that each one cost over two thousand dollars. Or that’s what it would cost, if not for the insurance she had purchased through the health insurance exchanges that had been set up as part of Obamacare. I thought—and spoke—of that moment often, later, as I talked about why health policy was not a theoretical question for our family.

In the summer of 1863, a “Song of the Conscripts” was circulated by the thousands in New York and other cities. One stanza: We’re coming, Father Abraham, three hundred thousand more We leave our homes and firesides with bleeding hearts and sore Since poverty has been our crime, we bow to thy decree; We are the poor and have no wealth to purchase liberty.

What are the true reasons why the purchaser is planning to spend his money on a new car instead of a piano? Because he has decided that he wants the commodity called locomotion more than he wants the commodity called music? Not altogether. He buys a car, because it is at the moment the group custom to buy cars. The modern propagandist therefore sets to work to create circumstances which will modify that custom . . . He will endeavor to develop public acceptance of the idea of a music room in the home. This he may do, for example, by organizing an exhibition of period music rooms designed by well-known decorators who themselves exert an influence on the buying groups . . . Then, in order to create dramatic interest in the exhibit, he stages an event or ceremony. To this ceremony key people, persons known to influence the buying habits of the public, such as a famous violinist, a popular artist, and a society leader, are invited. These key persons affect other groups, lifting the idea of the music room to a place in the public consciousness which it did not have before. The juxtaposition of these leaders, and the idea which they are dramatizing, are then projected to the wider public through various publicity channels . . . The music room will be accepted because it has been made the thing. And the man or woman who has a music room, or has arranged a corner of the parlor as a musical corner, will naturally think of buying a piano. It will come to him as his own idea.

Johnette Foltz had hold of the Roy fellow’s coat now with both hands and was trying to pull the fellow off, Keds scrabbling for purchase on the smooth parquet, saying ‘Yo Roy T. man, easy there Dude, Man, Esse, Bro, Posse, Crew, Homes, Jim, Brother, he’s just new is all’; but by this time Erdedy had both arms around the guy’s neck and was hugging him with such vigor Kate Gompert later told Joelle van Dyne it looked like Erdedy was trying to climb him.

I have lived here before the days of ice, of course this is why I am so concerned, and I come back to find the stars misplaced and the smell of a world that has burned. So where do I purchase my ticket…I'd like to have a ringside seat. I want to know about the new Mother Earth. I want to hear and see EVERYTHING.

Purchase Price $250,000 Down Payment $ 25,000 Mortgage Amount $225,000 At 7% Interest Rate 30 Years $1,349 $485,636 15 Years $1,899 $341,762 Difference $550 $143,874 Five hundred fifty dollars more per month, and you will save almost $150,000 and fifteen years of bondage. The really interesting thing I have observed is that fifteen-year mortgages always pay off in fifteen years. Again, part of a Total Money Makeover is putting in place systems that automate smart moves, which is what a fifteen-year mortgage is. Thirty-year mortgages are for people who enjoy slavery so much they want to extend it for fifteen more years and pay thousands of dollars more for the privilege. If you must take out a mortgage, pretend only fifteen-year mortgages exist. If you have a great interest rate, it is not necessary to refinance to pay a mortgage off in fifteen years or earlier. Simply make payments as if you have a fifteen-year mortgage, and your mortgage will pay off in fifteen years. If you want to pay any mortgage off in twelve years or any number you want, visit my website or get a calculator and calculate the proper payment at your interest rate on your balance for a twelve-year mortgage (or the number you want). Once you have that payment amount, add to your monthly mortgage payment the difference between the new principal and interest payment and your current principal and interest payment, and you will pay off your home in twelve years.

That’s our new home!” Chip said, beaming with pride at his purchase. “What? You are crazy. We are not living on a houseboat.” It quickly dawned on me that this wasn’t a joke and Chip wasn’t even close to kidding. I wasn’t mishearing him. He was dead serious about making that boat our home for the next six months. I just about lost it. “How can we live on the water, Chip? Three of our kids don’t even know how to swim!

What are the true reasons why the purchaser is planning to spend his money on a new car instead of a piano? Because he has decided that he wants the commodity called locomotion more than he wants the commodity called music? Not altogether. He buys a car, because it is at the moment the group custom to buy cars. The modern propagandist therefore sets to work to create circumstances which will modify that custom. He appeals perhaps to the home instinct which is fundamental. He will endeavor to develop public acceptance of the idea of a music room in the home. This he may do, for example, by organizing an exhibition . . . key people, persons known to influence the buying habits of the public, such as a famous violinist, a popular artist, and a society leader, are invited. These key persons affect other groups, lifting the idea of the music room to a place in the public consciousness which it did not have before. The juxtaposition of these leaders, and the idea which they are dramatizing, are then projected to the wider public through various publicity channels . . . The music room will be accepted because it has been made the thing. And the man or woman who has a music room, or has arranged a corner of the parlor as a musical corner, will naturally think of buying a piano. It will come to him as his own idea.

Americans think New Yorkers are property obsessed, but clearly they haven’t lived a day in Hong Kong. In this part of the world, a man isn’t a man until he is a homeowner. His entire life leads up to the singular moment when he hands over the down-payment check and puts his signature on the triplicate purchase agreement. All the good grades and job promotions he has received are mere preparation; and every source of happiness - marriage, children and retirement - depends on it.

Most of the crime-ridden minority neighborhoods in New York City, especially areas like East New York, where many of the characters in Eric Garner’s story grew up, had been artificially created by a series of criminal real estate scams. One of the most infamous had involved a company called the Eastern Service Corporation, which in the sixties ran a huge predatory lending operation all over the city, but particularly in Brooklyn. Scam artists like ESC would first clear white residents out of certain neighborhoods with scare campaigns. They’d slip leaflets through mail slots warning of an incoming black plague, with messages like, “Don’t wait until it’s too late!” Investors would then come in and buy their houses at depressed rates. Once this “blockbusting” technique cleared the properties, a company like ESC would bring in a new set of homeowners, often minorities, and often with bad credit and shaky job profiles. They bribed officials in the FHA to approve mortgages for anyone and everyone. Appraisals would be inflated. Loans would be approved for repairs, but repairs would never be done. The typical target homeowner in the con was a black family moving to New York to escape racism in the South. The family would be shown a house in a place like East New York that in reality was only worth about $15,000. But the appraisal would be faked and a loan would be approved for $17,000. The family would move in and instantly find themselves in a house worth $2,000 less than its purchase price, and maybe with faulty toilets, lighting, heat, and (ironically) broken windows besides. Meanwhile, the government-backed loan created by a lender like Eastern Service by then had been sold off to some sucker on the secondary market: a savings bank, a pension fund, or perhaps to Fannie Mae, the government-sponsored mortgage corporation. Before long, the family would default and be foreclosed upon. Investors would swoop in and buy the property at a distressed price one more time. Next, the one-family home would be converted into a three- or four-family rental property, which would of course quickly fall into even greater disrepair. This process created ghettos almost instantly. Racial blockbusting is how East New York went from 90 percent white in 1960 to 80 percent black and Hispanic in 1966.

Month by month things were stepping livelier, but to what goal? The population still rose, but what was the quality of the men born? The particular millionaire who owned the freehold of Wickham Place, and desired to erect Babylonian flats upon it—what right had he to stir so large a portion of the quivering jelly? He was not a fool—she had heard him expose Socialism—but true insight began just where his intelligence ended, and one gathered that this was the case with most millionaires. What right had such men—But Margaret checked herself. That way lies madness. Thank goodness she, too, had some money, and could purchase a new home.

If yet I have not all thy love, Dear, I shall never have it all, I cannot breathe one other sigh, to move, Nor can entreat one other tear to fall, And all my treasure, which should purchase thee, Sighs, tears, and oaths, and letters I have spent. Yet no more can be due to me, Than at the bargain made was meant; If then thy gift of love were partial, That some to me, some should to others fall, Dear, I shall never have thee all. Or if then thou gravest me all, All was but all, which thou hadst then; But if in thy heart, since, there be or shall New love created be, by other men, Which have their stocks entire, and can in tears, In sighs, in oaths, and letters outbid me, This new love may beget new fears, For, this love was not vowed by thee. And yet it was, thy gift being general; The ground, thy heart, is mine, whatever shall Grow there, dear, I should have it all. Yet I would not have all yet; He that hath all can have no more, And since my love doth every day admit New growth, thou shouldst have new rewards in store; Thou canst not every day give me thy heart, If thou canst give it, then thou never gavest it: Love's riddles are, that though thy heart depart, It stays at home, and thou with losing savest it: But we will have a way more liberal, Than changing hearts, to join them, so we shall Be one, and one another's all.

That’s our new home!” Chip said, beaming with pride at his purchase. “What? You are crazy. We are not living on a houseboat.” It quickly dawned on me that this wasn’t a joke and Chip wasn’t even close to kidding. I wasn’t mishearing him. He was dead serious about making that boat our home for the next six months. I just about lost it. “How can we live on the water, Chip? Three of our kids don’t even know how to swim! Did you think this through?!” Then he fessed up and told me how much money he’d spent on it. As it all sank in, I realized I’d never been so mad at him--ever--and that’s saying something. “Come on. At least come look at it. I know this can work,” he pleaded. As soon as we walked a little closer, we could see the holes. Holes. In the boat.

Once he traveled to a village to purchase a large rice harvest, but when he arrived the rice had already been sold to another tradesman. Nevertheless, Siddhartha remained in this village for several days; he arranged a feast for the peasants, distributed copper coins among their children, helped celebrate a marriage, and returned from his trip in the best of spirits. Kamaswami reproached him for not having returned home at once, saying he had wasted money and time. Siddhartha answered, "Do not scold me, dear friend! Never has anything been achieved by scolding. If there are losses, let me bear them. I am very pleased with this journey I made the acquaintance of many different people, a Brahmin befriended me, children rode on my knees, peasants showed me their fields, and no one took me for a tradesman." "How very lovely!" Kamaswami cried out indignantly. "But in fact a tradesman is just what you are! Or did you undertake this journey solely for your own pleasure?" "Certainly." Siddhartha laughed. "Certainly I undertook the journey for my pleasure. Why else? I got to know new people and regions, enjoyed kindness and trust, found friendship. You see, dear friend, had I been Kamaswami, I'd have hurried home in bad spirits the moment I saw my purchase foiled, and indeed money and time would have been lost. But by staying on as I did, I had some agreeable days, learned things, and enjoyed pleasures, harming neither myself nor others with haste and bad spirits. And if ever I should return to this place, perhaps to buy some future harvest or for whatever other purpose, I shall be greeted happily and in friendship by friendly people and I shall praise myself for not having displayed haste and displeasure on my first visit. So be content, friend, and do not harm yourself by scolding! When the day arrives when you see that this Siddhartha is bringing you harm, just say the word and Siddhartha will be on his way. But until that day, let us be satisfied with each other.

At least the meeting was early. After she was done, she could head straight home and take the rest of the day off to recuperate. It took a lot of energy to pull on her clothes. She didn’t even really think about what she was wearing; she just picked the warmest clothes she had. When she stepped outside, she shivered and felt like crying. It was still snowing. How could it still be snowing? The short hike to the station usually didn’t bother her, but today every bone in her body ached and every step felt like it could be her last. She even stopped in the little store on the corner to purchase a new pair of gloves and a hot cup of tea to help soothe her sore throat. But, as she stepped out again, even her new gloves did little to warm her from the cold wind. She tucked her free hand deep into her jacket’s pockets, but still felt like the chill was pushing through her and nothing would stop it. Even her eyelashes seemed frozen. When she walked into the office, Carla stopped her in the hallway just as the feeling was coming back to her face. “Oh

Docketing a judgment slapped it on a tenant’s credit report. If the tenant came to own any property in Milwaukee County in the next decade, the docketed judgment placed a lien on that property, severely limiting a new homeowner’s ability to refinance or sell.14 To landlords, docketing a judgment was a long-odds bet on a tenant’s future. Who knows, maybe somewhere down the line a tenant would want to get her credit in order and would approach her old landlord, asking to repay the debt. “Debt with interest,” the landlord could respond, since money judgments accrued interest at an annual rate that would be the envy of any financial portfolio: 12 percent. For the chronically and desperately poor whose credit was already wrecked, a docketed judgment was just another shove deeper into the pit. But for the tenant who went on to land a decent job or marry and then take another tentative step forward, applying for student loans or purchasing a first home—for that tenant, it was a real barrier on the already difficult road to self-reliance and security.

Slowly but surely, Europeans were able to purchase a lot of the precious resources of Africa for the beads they acquired back home for very little.2 European incursion into Africa slowly turned beads from hard money to easy money, destroying their salability and causing the erosion of the purchasing power of these beads over time in the hands of the Africans who owned them, impoverishing them by transferring their wealth to the Europeans, who could acquire the beads easily. The aggry beads later came to be known as slave beads for the role they played in fueling the slave trade of Africans to Europeans and North Americans. A one-time collapse in the value of a monetary medium is tragic, but at least it is over quickly and its holders can begin trading, saving, and calculating with a new one. But a slow drain of its monetary value over time will slowly transfer the wealth of its holders to those who can produce the medium at a low cost. This is a lesson worth remembering when we turn to the discussion of the soundness of government money in the later parts of the book.

In 2014—one year after Dasani competed in a track competition at the Pratt Institute—Spike Lee stood onstage there during Black History Month, delivering a rant against gentrification. “Then comes motherfuckin’ Christopher Columbus Syndrome,” fumed Lee. “You can’t discover this! We been here.” He went on to compare Fort Greene Park to the Westminster Dog Show, “with twenty thousand dogs running around,” while lamenting how his father, a jazz musician who had purchased his home in 1968, was playing acoustic bass when his new neighbors, in 2013, called the police. “You just can’t come in where people have a culture that’s been laid down for generations and you come in and now shit gotta change because you’re here?” The same forces are reshaping Bed-Stuy, the historic neighborhood where Dasani’s great-grandfather June first landed and where her teacher, Miss Hester, still lives. Around the corner from her basement rental, a trendy café now sells $4 espressos. Miss Hester resents the neighborhood’s white transplants, walking around “as if I am the outsider, and I’m like, ‘Excuse me I was born here!’ 

I was sitting down hanging with the fellas them just for the girls, because really and truly this was bugging me. How could these fellas have the finest girls in the community, and they don’t work, they don’t have any money. Anytime something has to be purchased they would say, ‘Man, Scrooge, throw the blow; buy this and buy that.’ So we were sitting on a car one day. They were out to a disco the night before and this fella got chopped or stabbed. I didn’t know anything about it until the fellas came around looking for KC the next day. These fellas just yuck out their guns and started busting shots, and everybody just break off running for their lives. Afterwards I mumbled to myself that these are some crazy fellas. They just came shooting for no reason. The funny thing about it is this: guns were not even that common on the streets then. We’re talking around 1987, 1988. I believe the fella who fired those shots at us, goes by the nickname Dog and he lives in the US now. I said to Ada, ‘What kind of thing this is? I mean, these fellas came and just started shooting.’ That sent a whole new way of thinking in my mind. Prior to that, I was just a person going to work, coming home, and chilling. I just happened to be sitting there one day. They didn’t know me and they didn’t care who I was. I never used to even be with KC and them. I just happened to be there that day. If I had known that those fellas were crazy like that, to come shooting at whoever they saw, I wouldn’t have been there hanging with KC and them. After that, my whole mindset changed. It was either shoot or be shot. Scrooge, former leader of the Rebellion Raiders street gang that once boasted of having some ten thousand members.

Beware, and be on your guard against every form of greed; for not even when one has an abundance does his life consist of his possessions. -LUKE 12:15 One of our universal problems is the overcrowding of our homes. Whether we have an apartment or a six bedroom home, every closet, cupboard, refrigerator, and garage are all crammed with abundance. Some of us have so much that we go out and rent additional storage spaces for our possessions. Bob and I are no different than you. We buy new clothes and cram them into our wardrobes. A new antique goes in the corner, a new quilt hangs over the bed, a new potted plant gathers sunlight by the window. On and on it goes. Pretty soon we feel as though we are closed in with no room to breathe. We continually struggle to keep a balance in our attitudes regarding possessions. It is simpler to manage if you are single and live alone-it's just you. Life becomes more complicated with a spouse and children. You soon get that "bunched in" feeling. This creates more stress, and you can lose your cool and blow relationships when your calm is broken. We have made a rule in our home about abundance. Simply stated, it says, "One comes in and one goes out." After every purchase we give away or sell a like item. (We have an annual garage sale.) With a new blouse, out goes an older blouse; with a new table, out goes a table; and so on. Naturally if you're a newlywed this rule is not for you because you probably don't have an abundance of possessions. There's another strategy that's very effective. We have informed our loved ones that we don't want any more gifts that take up space or that have to be dusted; we prefer receiving consumable items. Remember-your life is not based on your possessions. Share with others what you aren't using.

With all cameras on me, Chip released the blindfold and said, “Ta-da!” I wasn’t sure what I was looking at. A shipwreck, maybe? On the back of a semi? “What is that?” I said. “I got this for you, Jo!” Chip replied. “That better not be for me,” I said. It was the ugliest, rundown-looking, two-story shack of a boat I’d ever seen. “What the heck are we going to do with a houseboat?” “That’s our new home!” Chip said, beaming with pride at his purchase. “What? You are crazy. We are not living on a houseboat.” It quickly dawned on me that this wasn’t a joke and Chip wasn’t even close to kidding. I wasn’t mishearing him. He was dead serious about making that boat our home for the next six months. I just about lost it. “How can we live on the water, Chip? Three of our kids don’t even know how to swim! Did you think this through?!” Then he fessed up and told me how much money he’d spent on it. As it all sank in, I realized I’d never been so mad at him--ever--and that’s saying something. “Come on. At least come look at it. I know this can work,” he pleaded. As soon as we walked a little closer, we could see the holes. Holes. In the boat. We pulled ourselves up onto the flatbed and went inside to find the interior covered in mold. Someone had taken the AC unit out on top and left a gaping hole in the roof, so for years it had rained straight into the boat. We tried turning the engine over, and of course it didn’t start. That’s when Chip got angry. “I think I got scammed,” he said. “Chip, did you even look at this thing before you bought it?” “Well, no,” he said. “It was a great deal, and there were all kinds of pictures. It looked like it was in great shape. Oh, wait a minute. I bet the guy just put up pictures of this thing from when he bought it, like in 1980 or something. That sorry sucker.” “Sorry sucker? Chip…” By this point I’m trying to decide if we could scrap it for parts.

Except then a local high school journalism class decided to investigate the story. Not having attended Columbia Journalism School, the young scribes were unaware of the prohibition on committing journalism that reflects poorly on Third World immigrants. Thanks to the teenagers’ reporting, it was discovered that Reddy had become a multimillionaire by using H-1B visas to bring in slave labor from his native India. Dozens of Indian slaves were working in his buildings and at his restaurant. Apparently, some of those “brainy” high-tech workers America so desperately needs include busboys and janitors. And concubines. The pubescent girls Reddy brought in on H-1B visas were not his nieces: They were his concubines, purchased from their parents in India when they were twelve years old. The sixty-four-year-old Reddy flew the girls to America so he could have sex with them—often several of them at once. (We can only hope this is not why Mark Zuckerberg is so keen on H-1B visas.) The third roommate—the crying girl—had escaped the carbon monoxide poisoning only because she had been at Reddy’s house having sex with him, which, judging by the looks of him, might be worse than death. As soon as a translator other than Reddy was found, she admitted that “the primary purpose for her to enter the U.S. was to continue to have sex with Reddy.” The day her roommates arrived from India, she was forced to watch as the old, balding immigrant had sex with both underage girls at once.3 She also said her dead roommate had been pregnant with Reddy’s child. That could not be confirmed by the court because Reddy had already cremated the girl, in the Hindu tradition—even though her parents were Christian. In all, Reddy had brought seven underage girls to the United States for sex—smuggled in by his brother and sister-in-law, who lied to immigration authorities by posing as the girls’ parents.4 Reddy’s “high-tech” workers were just doing the slavery Americans won’t do. No really—we’ve tried getting American slaves! We’ve advertised for slaves at all the local high schools and didn’t get a single taker. We even posted flyers at the grade schools, asking for prepubescent girls to have sex with Reddy. Nothing. Not even on Craigslist. Reddy’s slaves and concubines were considered “untouchables” in India, treated as “subhuman”—“so low that they are not even considered part of Hinduism’s caste system,” as the Los Angeles Times explained. To put it in layman’s terms, in India they’re considered lower than a Kardashian. According to the Indian American magazine India Currents: “Modern slavery is on display every day in India: children forced to beg, young girls recruited into brothels, and men in debt bondage toiling away in agricultural fields.” More than half of the estimated 20.9 million slaves worldwide live in Asia.5 Thanks to American immigration policies, slavery is making a comeback in the United States! A San Francisco couple “active in the Indian community” bought a slave from a New Delhi recruiter to clean house for them, took away her passport when she arrived, and refused to let her call her family or leave their home.6 In New York, Indian immigrants Varsha and Mahender Sabhnani were convicted in 2006 of bringing in two Indonesian illegal aliens as slaves to be domestics in their Long Island, New York, home.7 In addition to helping reintroduce slavery to America, Reddy sends millions of dollars out of the country in order to build monuments to himself in India. “The more money Reddy made in the States,” the Los Angeles Times chirped, “the more good he seemed to do in his hometown.” That’s great for India, but what is America getting out of this model immigrant? Slavery: Check. Sickening caste system: Check. Purchasing twelve-year-old girls for sex: Check. Draining millions of dollars from the American economy: Check. Smuggling half-dead sex slaves out of his slums in rolled-up carpets right under the nose of the Berkeley police: Priceless.

Cultivating loyalty is a tricky business. It requires maintaining a rigorous level of consistency while constantly adding newness and a little surprise—freshening the guest experience without changing its core identity.” Lifetime Network Value Concerns about brand fickleness in the new generation of customers can be troubling partly because the idea of lifetime customer value has been such a cornerstone of business for so long. But while you’re fretting over the occasional straying of a customer due to how easy it is to switch brands today, don’t overlook a more important positive change in today’s landscape: the extent to which social media and Internet reviews have amplified the reach of customers’ word-of-mouth. Never before have customers enjoyed such powerful platforms to share and broadcast their opinions of products and services. This is true today of every generation—even some Silent Generation customers share on Facebook and post reviews on TripAdvisor and Amazon. But millennials, thanks to their lifetime of technology use and their growing buying power, perhaps make the best, most active spokespeople a company can have. Boston Consulting Group, with grand understatement, says that “the vast majority” of millennials report socially sharing and promoting their brand preferences. Millennials are talking about your business when they’re considering making a purchase, awaiting assistance, trying something on, paying for it and when they get home. If, for example, you own a restaurant, the value of a single guest today goes further than the amount of the check. The added value comes from a process that Chef O’Connell calls competitive dining, the phenomenon of guests “comparing and rating dishes, photographing everything they eat, and tweeting and emailing the details of all their dining adventures.” It’s easy to underestimate the commercial power that today’s younger customers have, particularly when the network value of these buyers doesn’t immediately translate into sales. Be careful not to sell their potential short and let that assumption drive you headlong into a self-fulfilling prophecy. Remember that younger customers are experimenting right now as they begin to form preferences they may keep for a lifetime. And whether their proverbial Winstons will taste good to them in the future depends on what they taste like presently.

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.

So, you want to improve your home like you have some knowledge and respect for the endeavor, yes? Very well. First, you need to know the basics associated with it to showcase what type of knowledge you actually have about it. If that is not enough, try reviewing the article listed below to assist you. Home improvement is often a daunting task. This is because of the time and the amounts of money required. However, it doesn't have to be so bad. If you have several projects in your house, divide them up into several smaller DIY projects. For example you may want to redo the entire living room. Start simple, by just replacing the carpet, and before you know it, your living room will be like new. One great way to make the inside of your home sparkle is to put new molding in. New molding helps create a fresh sense in your living space. You can purchase special molding with beautiful carvings on them to add a unique touch of elegance and style to your home. When it comes to home improvement, consider replacing your windows and doors. This not only has a chance of greatly improving the value of the home, but may also severely decrease the amount of money required to keep your house warm and dry. You can also add extra security with new doors and windows. Change your shower curtain once a month. Showering produces excessive humidity in a bathroom that in turn causes shower curtains to develop mold and mildew. To keep your space fresh and healthy, replace your curtains. Don't buy expensive plastic curtains with hard to find designs, and you won't feel bad about replacing it. Sprucing up your walls with art is a great improvement idea, but it doesn't have to be a painting. You can use practically anything for artwork. For instance, a three-dimensional tile works great if you contrast the colors. You can even buy some canvas and a frame and paint colored squares. Anything colorful can work as art. If you are renovating your kitchen but need to spend less money, consider using laminate flooring and countertops. These synthetic options are generally much less expensive than wood, tile, or stone. They are also easier to care for. Many of these products are designed to closely mimic the natural products, so that the difference is only visible on close inspection. New wallpaper can transform a room. Before you add wallpaper, you need to find out what type of wall is under the existing wallpaper. Usually walls are either drywall or plaster smoothed over lath. You can figure out what kind of wall you are dealing with by feeling the wall, plaster is harder, smoother, and colder than drywall. You can also try tapping the wall, drywall sounds hollow while plaster does not. Ah, you have read the aforementioned article, or you wouldn't be down here reading through the conclusion. Well done! That article should have provided you with a proper foundation of what it takes to properly and safely improve your home. If any questions still remain, try reviewing the article again.

How to become the President of Liberia from “Liberia & Beyond” In 1973, Charles Taylor enrolled as a student at Bentley University, in Waltham, Massachusetts. A year later Taylor became chairman of the Union of Liberian Associations in America, which he founded on July 4, 1974. The mission of ULAA was meant to advance the just causes of Liberians and Liberia at home and abroad. In 1977 Taylor graduated from Bentley University with a Bachelor of Arts degree in economics. Returning to Liberia he supported the violent coup, led by Samuel Doe, and became the Director General of the General Services Agency most likely because of his supposed loyalty. His newly acquired elevated position put him in charge of all the purchases made for the Liberian government. Taylor couldn’t resist the urge of stealing from the till, and in May of 1983, he was found out and fired for embezzling nearly a million dollars in State funds. During this time he transferred his ill-gotten money to a private bank account in the United States. On May 21, 1984, seizing the opportunity, Taylor fled to America where he was soon apprehended and charged with embezzlement by United States Federal Marshals in Somerville, Massachusetts. Taylor was held in the Plymouth, County jail until September 15, 1985, when he escaped with two of his cohorts, by sawing through the steel bars covering a window in his cell. He precariously lowered himself down 20 feet of knotted sheets and then deftly escaped into the nearby woodlands. He most likely had accomplices, since his wife Jewel Taylor conveniently met him with a car, which they then drove to Staten Island in New York City.

Birds— and Territory My dad and I designed a house for a wren family when I was ten years old. It looked like a Conestoga wagon, and had a front entrance about the size of a quarter. This made it a good house for wrens, who are tiny, and not so good for other, larger birds, who couldn’t get in. My elderly neighbour had a birdhouse, too, which we built for her at the same time, from an old rubber boot. It had an opening large enough for a bird the size of a robin. She was looking forward to the day it was occupied. A wren soon discovered our birdhouse, and made himself at home there. We could hear his lengthy, trilling song, repeated over and over, during the early spring. Once he’d built his nest in the covered wagon, however, our new avian tenant started carrying small sticks to our neighbour’s nearby boot. He packed it so full that no other bird, large or small, could possibly get in. Our neighbour was not pleased by this pre- emptive strike, but there was nothing to be done about it. “If we take it down,” said my dad, “clean it up, and put it back in the tree, the wren will just pack it full of sticks again.” Wrens are small, and they’re cute, but they’re merciless. I had broken my leg skiing the previous winter— first time down the hill— and had received some money from a school insurance policy designed to reward unfortunate, clumsy children. I purchased a cassette recorder (a high- tech novelty at the time) with the proceeds. My dad suggested that I sit on the back lawn, record the wren’s song, play it back, and watch what happened. So,

We had been looking at some land adjoining the zoo and decided to purchase it in order to expand. There was a small house on the new property, nothing too grand, just a modest home built of brick, with three bedrooms and one bathroom. We liked the seclusion of the place most of all. The builder had tucked it in behind a macadamia orchard, but it was still right next door to the zoo. We could be part of the zoo yet apart from it at the same time. Perfect. “Make this house exactly the way you want it,” Steve told me. “This is going to be our home.” He dedicated himself to getting us moved in. I knew this would be our last stop. We wouldn’t be moving again. We laid new carpet and linoleum and installed reverse-cycle air-conditioning and heat. Ah, the luxury of having a climate-controlled house. I installed stained-glass windows in the bathroom with wildlife-themed panes, featuring a jabiru, a crocodile, and a big goanna. We also used wildlife tiles throughout, of dingoes, whales, and kangaroos. We made the house our own. We worked on the exterior grounds as well. Steve transplanted palm trees from his parents’ place on the Queensland coast and erected fences for privacy. He designed a circular driveway. As he laid the concrete, he put his own footprints and handprints in the wet cement. Then he ran into the house to fetch Bindi and me. “Come on,” he said. “Let’s all do it.” We grabbed Sui, too, and put her paw prints in, and then did Bindi, who was just eight months old. It took a couple of tries, but we got her handprints and her footprints as well, and then my own. We stood back and admired the time capsule we had created. That afternoon the rains came. The Sunshine Coast is usually bright and dry, but when it rains, the heavens open. We worried about all the concrete we had worked on getting pitted and ruined. “Get something,” Steve shouted, scrambling to gather up his tools. I ran into the house. I couldn’t find a plastic drop cloth quickly enough, so I grabbed one of my best sheets off the bed. As I watched the linen turn muddy and gray in the rain, I consoled myself. In the future I won’t care that I ruined the sheet, I thought. I’ll just be thankful that I preserved our footprints and handprints. “It’s our cave,” Steve said of our new home. We never entertained. The zoo was our social place. Living so close by, we could have easily gotten overwhelmed, so we made it a practice never to have people over. It wasn’t unfriendliness, it was simple self-preservation. Our brick residence was for our family: Steve and me, Bindi, Sui, and Shasta.

Cash For Cars Removal - How Can It Save You Money? Cash for cars removed in Cash for Scrap Cars Removal is an excellent way to take the burden of disposal off your mind and have your car properly disposed of. Car removal companies remove cars that are not being resold or who don't meet environmental standards for disposal. They pay you the money for your car's value directly to the company, and then remove it at no cost to you. Cash for cars removal companies typically do not take responsibility for vehicle damage during the process of taking your car away. They also will not pay to get your car back if they discover that your vehicle does not meet their criteria for taking it away. Cash for Car Removal offers two methods of payment. Methods of payment are chosen based on the needs of the individual company and what the business can afford. Methods of payment generally range from a lump sum payment to monthly payments. If you pay in monthly installments, from Cash for Cars Bundall your car will be removed several weeks before your next payment due date. When you pay in lump sum, your car removal company will pay all necessary charges to your bank. This means you won't have any hidden fees. There are many advantages to hiring Cash for Cars Removal. Some of the advantages include the following: Cash for Car Removal companies offer environmentally friendly services for people who need to sell their used cars or vehicles, but do not have the money to purchase new ones. If your car or vehicle has certain cosmetic damage that prevents you from reselling it, you might qualify for a Cash for Cars Removal service. The removal companies also work in partnership with junk yards and dispose of old vehicles there, as well as storing vehicles temporarily while owners who qualify for bankruptcy are given another chance to start over. Cash for Car Removal also has an agreement with the city of New York to pick up and remove automobiles that have been ticketed or convicted of city driving laws. Not only are these individuals given another chance to start over with their lives, but the cars are also sent off to the junk yard or storage facility so they can be recycled and sold again. Before you get started, ensure that you do not have any outstanding tickets, unpaid taxes, liens, or other legal problems that may prevent you from getting Cash for Cars Removal. Cash for Car Removal offers safe and secure pick up and drop off locations for individuals who have valid licenses and insurance to drive vehicles. They work in partnership with various banks to provide the safest and most reliable finance-oriented services around. Cash for Car Removal is committed to helping individuals buy or sell used cars that meet their financial needs and do not pose any financial or environmental problem. Cash for Car Removal services are provided by many different nationwide junk car removal companies, as well as independent contractors. When you contact a Cash for Cars Removal company, make sure you're working with a reputable company that has years of experience dealing with every type of situation. Cash for Car Removal has been at the forefront in providing the most eco-friendly and convenient ways to remove your unwanted vehicles from your home or business. Using a Cash for Cars Removal company allows you to spend your time elsewhere instead of being stuck in a high traffic area. Cash for Car Removal gives customers a choice between paid removal and free pick up. The cost of each service is based on the amount of vehicles to be removed, the distance the vehicle is removed, and how many will be dropped off at each point. When used correctly, a Cash for Cars Removal service can save you hundreds of dollars and hours of unnecessary driving.

What is all that stuff in your home, anyway? Imagine that I said you could buy as many new clothes as you wanted, but you could never, ever take off anything you'd already purchased. In no time you'd be wearing so much clothing that it would be hard to walk. You'd feel hot and irritable, and be unable to do anything well. That's what the stuff in our homes can be like. If we shop and collect, but never decrease or declutter, the accumulation of stuff is a burden. Every item rents a space in your heart and in your brain. If there is too much stuff, then you have little room for new fun, new love, or new anything. So let's take a look at what is really in your home. Where did all that furniture, decor, and stuff come from? Why is it in your life, and what purpose does it serve? What feeling are associated with each object? (Happy Starts at Home: Getting the Life You Want by Changing the Space You've Got, Rebecca West)

In general, candles are most popular among female millennials, who use them for aromatherapy and as décor pieces around the house. Additionally, they are popular purchases by commercial establishments like spas and restaurants. These spaces use candles to create a specific atmosphere—for example, spas use them to encourage a sense of calm, while restaurants use them to create an intimate space that draws in diners. Independent brands and fashion and beauty businesses also create product lines with candles to encourage a new customer base.

Accumulate experiences, not stuff. The great times you have become a part of you; the great things you own gather dust or become trash. That said, if your memory for your lived experiences is as bad as mine, you might struggle to recall many of the great times you’ve had, and then find yourself at risk of owning nothing and remembering little. A simple solution to this problem is to take pictures, and even purchase the occasional doodad from your travels or adventures. By scattering these reminders around your home or office, you can relive your great times and laugh at the adventures that went awry. Prioritize

When it's absolutely necessary, recycling is a better option than sending an item to the landfill. It does save energy, conserve natural resources, divert materials from landfills, and create a demand for recovered materials. Although it is a form of disposal, it provides a guide for making better purchases, based on the knowledge of what recycles best. When buying new, we should choose products that not only support reuse but also are made of materials that have a high postconsumer content, are compatible with our community's recycling program, and are likely to get recycled over and over (e.g., steel, aluminum, glass, or paper) versus downcycled (e.g., plastics).

As a result, the American Dream became extremely useful in pitches for consumer products that encourage potential purchasers to feel better about their purchases, such as a new home or a second car. In fact, ProQuest News & Newspapers shows that more than half the use of the phrase American Dream has occurred in advertisements rather than articles.

your short-term sacrifice has been going on for years, and your happiness and health are a thing of the past. Accumulate experiences, not stuff. The great times you have become a part of you; the great things you own gather dust or become trash. That said, if your memory for your lived experiences is as bad as mine, you might struggle to recall many of the great times you’ve had, and then find yourself at risk of owning nothing and remembering little. A simple solution to this problem is to take pictures, and even purchase the occasional doodad from your travels or adventures. By scattering these reminders around your home or office, you can relive your great times and laugh at the adventures that went awry. Prioritize food, friends, and sexual relationships. These three things are the basis of day-to-day happiness. Note that there is no mention here of money or freedom. There’s nothing wrong with having lots of cash and autonomy, but their pursuit shouldn’t interfere with opportunities to enjoy good food, sex, and friends. These three things are most likely to provide the happy experiences that accumulate into a life worth living.

But few gain sufficient experience in Wall Street to command sucess until they reach that period of life in which they have one foot in the grave. When this time comes these old veterans of the Street usually spend long intervals of repose at their comfortable homes, and in times of panic, which recur sometimes oftener than once a year, these old fellows will be seen in Wall Street, hobbling down on their canes to their brokers' office. Then they always buy good stocks to the extent of their bank balances, which have been permitted to accumulate for just such an emergency. The panic usually rages until enough of these cash purchases of stock is made to afford a big "rake in." When the panic has spent its force, these old fellows, who have been resting judiciously on their oars in expectation of the inevitable event, which usually returns with the regularity of the seasons, quickly realize, deposit their profits with their bankers, or the overplus thereof, after purchasing more real estate that is on the upgrade, for permanent investment, and retire for another season to the quietude of their splendid homes and the bosoms of their happy families. If young men had only the patience to watch the speculative signs of the times, as manifested in the periodical egress of these old prophetic speculators from their shells of security, they would make more money at these intervals than by following up the slippery "tips" of the professional "pointers" of the Stock Exchange all the year round, and they would feel no necessity for hanging at the coat tails, around the hotels, of those specious frauds, who pretend to be deep in the councils of the big operations and of all the new "pools" in process of formation. I say to the young speculators, therefore, watch the ominous visits to the Street of these old men. They are as certain to be seen on the eve of a panic as spiders creeping stealthily and noiselessly from their cobwebs just before rain.

As for Hayek, he had no funds for a rental, having just bought a house. It was a good time to make a purchase: there was plenty of inventory and house prices were falling as tens of thousands cleared out of London. But he had also been given notice. As luck would have it, one came available on Turner Close. As noted earlier, in order to be able to afford the down pay- ment, that spring Hayek sold to the Bank for International Settlements, via its director, Per Jacobsson, six hundred or so volumes on money and bank- ing published before 1900, mostly in English, which he had collected in the late 1920s for the never-completed big volume on money. They were in their new home by August (Bartley interviews, Nov 2, 1983; IB 94).

I'd been drawn to an orange Siamese fighter fish with fins that moved like a graceful flamenco dancer, and I'd wanted one for the big tank in the restaurant until Charles explained that he (or she) would kill all the other fishes we'd picked out---tropical delights in all the colors of the rainbow, some spotted like leopards, all being delivered to the restaurant tomorrow morning. I tap on the glass. "I'm going to name you Frushi. French sushi. Don't worry, nobody is going to eat you. The sea bass, on the other hand, that's another story." Frushi shows off, wiggling his featherlike tail and fins, which look like they're made of inky silk, as he swims through the tiny castle and live plants I'd purchased for his new home.

They even purchased acres of land through the new redistribution policies, in an effort to keep unscrupulous outsiders from staking claim on their homes. Out in Washington this was called the Port Royal Experiment, but as far as Hetty could see it was just people living the lives they were always meant to have in the first place.

This is new for you, and this first home purchase will seem scary and the first with anything is always a bit scary because of the unknown. You will be okay. You are supported.

The GNP lumps together goods and bads. (If there are more car accidents and medical bills and repair bills, the GNP goes up.) It counts only marketed goods and services. (If all parents hired people to bring up their children, the GNP would go up.) It does not reflect distributional equity. (An expensive second home for a rich family makes the GNP go up more than an inexpensive basic home for a poor family.) It measures effort rather than achievement, gross production and consumption rather than efficiency. New light bulbs that give the same light with one-eighth the electricity and that last ten times as long make the GNP go down. GNP is a measure of throughput—flows of stuff made and purchased in a year—rather than capital stocks, the houses and cars and computers and stereos that are the source of real wealth and real pleasure.

207, 2nd Floor, 3rd Main Rd, Chamrajpet, Bengaluru, Karnataka 560018 Call – +91 7022122121 Kannada Books Purchase: Veeraloka Books: Find the Universe of Writing At the core of Karnataka's dynamic scholarly practice are its rich social legacy. Veeraloka Books offers an entryway to this universe of writing through its wide assortment of Kannada books. Whether you are an ardent peruser or somebody hoping to investigate the domain of Kannada writing, Veeraloka Books gives an amazing chance to dig into the different abstract scene of Karnataka. Veeraloka Books invests wholeheartedly in organizing a determination of Kannada books that envelops different types, including fiction, genuine, verse, show, from there, the sky is the limit. From exemplary works that have endured for an extremely long period to contemporary compositions that encapsulate present day Karnataka, the book shop offers a far reaching scope of scholarly works for perusers of all preferences and inclinations. For those keen on digging into the rich social legacy of Karnataka, Veeraloka Books' assortment incorporates works that praise the state's customs, fables, history, and ethos. Perusers can investigate stories that offer experiences into Karnataka's past, present, and future, giving a nuanced comprehension of the state's social embroidery. Veeraloka Books isn't simply a stage for Kannada Books Purchase; a social center cultivates a profound appreciation for the scholarly fortunes of Karnataka. The book shop effectively advances Kannada writing and energizes discourse around crafted by Kannada writers, both laid out and arising. Through book dispatches, writer occasions, and scholarly conversations, Veeraloka Books makes an energetic local area of artistic fans who share an energy for Kannada writing. Notwithstanding its actual store, Veeraloka Books likewise gives a web-based stage, empowering perusers from across the world to access and buy Kannada books effortlessly. The book shop's site offers an easy to understand interface, permitting guests to peruse its assortment, read book depictions, and make buys from the solace of their homes. This openness guarantees that Kannada writing contacts a worldwide crowd, rising above topographical limits and language obstructions. Besides, Veeraloka Books endeavors to help neighborhood writers and distributers, assuming a urgent part in advancing the development of Kannada writing. By giving a stage to arising scholars to feature their works and arrive at a more extensive readership, the book shop adds to the improvement and development of the Kannada abstract scene. Whether you are a Kannada writing lover, an understudy investigating Karnataka's social legacy, or a peruser enthusiastic about finding new scholarly voices, Veeraloka Books offers a vivid encounter that commends the universe of Kannada writing. With its obligation to safeguarding and advancing the rich scholarly customs of Karnataka, Veeraloka Books remains as a guide for those enthusiastic about embracing the composed word in Kannada. All in all, Veeraloka Books fills in as an extension among perusers and the enthralling domain of Kannada writing, welcoming people to leave on an excursion of investigation, revelation, and appreciation for the different stories that structure the embodiment of Karnataka's scholarly legacy.

Lazesoft Recover home addition: In this inter connected world of information and communication technology.  It is a must that we need to use different email address and passwords associated to those accounts separately. We give a lot of time and attention to manage them all. Because they are the easiest way to communication these days. Nowadays its very common that most of us do have more than one email address in order to use them indifferent purposes. You cannot use the same password so that all the accounts might not get hacked at the same time. That’s an important and not easy task to handle for many of us. In case of it comes to computers with Windows 8 operating system, we have to use different user accounts like Administrator account, guest account, and so on. So, here is also a race for memorizing the passwords associated to all those accounts. Occasionally, we face the problem accessing into our own personal user account and we cannot afford reinstalling the operating system in fear of losing all of our valuable data stored on behalf of that account. If you still can remember the Administrator account’s password then you have the option to reset the other accounts password through the Administrator account. But if the case is not the one we are expecting, I mean you have forgotten the administrative account’s password, and then the Lazesoft Recover home addition software is there to help you get rid of this unwanted problem. Here I am telling you step by step how to do that: Step 1: Download and burn the CD into your USB flash drive or thumb drive from   another computer. Step 2: Insert the flash drive into the target computer and restart the computer. Step 3: up on restart you will see a dialogue box in DOS window. From there, select Mini windows XP and press Enter key. Step 4: After the live CD boots into windows XP, then open the DB CD menu desktop item. Then go into programs menu bar, then select password and keys and then click on windows log on. After that click on NTPW edit. Step 5: you will see a new dialogue box from there you need to locate the path of SAM file. The SAM file will show all the user account available into the computer and from there you need to the account of which you want to reset the password. Step 6: Once you clicked on the account name a dialogue window will open up saying set your password. You can do two things there, a) you can leave the fields blank, therefore the windows will load directly or b) you can set a new password for the account. And then click on the save changes button. Step 7: exit the program and reboot the system removing the USB flash drive. And the windows will boot directly to the windows desktop. Windows password rescuer advance: The password rescuer advance is also a similar type of software for recovering you windows password. It also requires using a USB flash drive. At first you need to purchase and download the software from the internet page

So many people think buckets of money will solve or eliminate the stresses in life. Such is not the case. More is more and less is less. In other words, the more you bring into your life, the more you have to maintain. If you are accumulating things, the initial purchase is just the beginning. In addition to any debt you took on to make the purchase, this new item you now own may need to be stored, dusted, watered, cleaned, oiled, tightened, filled, emptied, refilled, tuned, insured, renewed—or any number of other time-consuming (and possibly expensive) maintenance chores. If you avoid the purchase altogether, you cut out the chain reaction of obligations to this thing. So

And if a giant new government agency—perhaps called “Housicare”—were given the power to tax all paychecks in order to pay for all home purchases and apartment rentals (according to an official schedule of prices corresponding to family size and job location), the disruption in the market would be mind-boggling. By severing the direct connection between buyer and seller, consumers’ satisfaction with their homes and apartments would suffer while prices would soar. After a few years of such a nutty system, the housing market would be just as screwed up as … well, as the health care and health insurance markets currently are.

WordPress Site If done right, a self-hosted WordPress site can act as your online business card for your freelance SEO writing services.  You can refer potential clients to it for a listing of your services and rates, plus to see your writing samples and client testimonials.   Details on how to set up a self-hosted Wordpress site are beyond the scope of this book, but it’s easy to do.  In a nutshell, all you do is purchase a domain name, purchase web hosting, install Wordpress on your site, and customize it the way you want it. If you are interested in setting up your own website for your business, sign up for the Money Machine Inner Circle (it’s FREE!) and you’ll get instant access to a free report listing exactly which services I recommend for setting up your site.  Especially if you’re new to the world of setting up a website, this will save you a ton of time since you won’t have to waste time researching which services are the best or easiest to use for a non-techie. A basic website should have the following pages: Home Page This is where you describe your freelance SEO writing services, and even include a testimonial or two once you’ve worked with clients for a while. Samples Page Use this page to show off the sample articles that you’ve written. About Page This is where you explain who you are, your experience (if any), and why someone should hire you. Contact Page This is where you set up a simple contact form that visitors to your website can use to get in touch with you. Action Steps 1. On days 1 and 2, make sure you have a reliable computer, access to high-speed internet, and a PayPal account set up.  If you don’t have

home only to pine over an ex-girlfriend, so he stopped. He apologized, saying a few more things that Catherine once again just nodded her head to, smiling, and before she knew it, she had plans to go see a movie with Dickie the following Friday. It was a date, the first of many. It went like this for two months: Friday night dates. Rides home from school while other girls looked on in jealousy. Long nights parked up at The Point, the low rumble of his car idling away while they made out with the heat blowing on her legs. Him sliding his hands up her skirt. Under her shirt. Her moaning. Her face flushing red. Her toes curling. The Rolling Stones on the radio. Why did he taste so good? Never sex, though. Even when he begged for it, she would refuse. She knew what their relationship really was. It was great and fun and wild and exciting, but she knew it wouldn’t last; he was off to college soon, and she remembered how he felt about being tethered to something familiar. That conversation never left her mind for the duration of their relationship, always reminding her to be ready to lose him. At the time, she was still a virgin, and as much as she loved Dickie she did not wish to give herself fully to someone who would more than likely forget about her within months, if not weeks, of leaving. Catherine was young, but never stupid or naive. She knew how the world worked… even Dickie’s world. What she felt and experienced with him may have been real by her definition, but she understood that that did not make the relationship everlasting or meant-to-be. Their time together had been great and fun and had changed her in ways she would never be able to put into words. She would forever cherish their moments together. Or at least, that’s what she’d thought at the time, before these cherished memories soured. Everything changed the night of the dance. The night he changed. The night she changed, too. It was Dickie’s senior prom. He invited her to go and she happily accepted. She even bought a new dress with the money she’d saved working shifts down at Woolworth’s. The dance was fine and good. They had a blast. They’d even kissed in the middle of the gymnasium during the last slow dance. It had been so romantic. But afterward was a different sort of time. Dickie and some of his friends rented a few rooms at the Heartsridge Motel for a place to hang out after the dance. But it was more than just a place to hang out. It was a place to party, a place to drink alcohol purchased illegally, a place for some of the looser girls to sleep with their dates. She had been to parties with Dickie before, parties with drinking and drugs and where there were rooms dedicated to fooling around. She wasn’t a square. But this was different. This place made her skin crawl. There was a raw energy in the air. She remembered feeling it on her skin. And the fact that it was a motel made the whole scene seem depraved. It just felt off, and she wanted to beg him to go somewhere else. But instead she held her tongue and went along with Dickie. He was leaving soon, after all. Why not appease him? He seemed excited about going. A few of them—all friends of Dickie’s—ended up together in one room, drinking Schnapps, smoking cigarettes, having

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.

February 8: Newcomb calls Rizzo to postpone the shoot. Marilyn was tired and planning to move into her new home soon, Newcomb explains. But another appointment is set for the next afternoon. Marilyn’s Brentwood home is purchased with a fifteen-year mortgage at 6.5 percent interest, with payments of $320 a month. Marilyn arranges to have a new kitchen built for $1,393.46.

how to make notes ========== Life Is What You Make It A Story Of Love, Hope And How Determination Can Overcome Even Destiny (Preeti Shenoy) - Your Highlight at location 1584-1589 | Added on Monday, 15 June 2015 11:21:47 wanted to share my ‘colour coded’ way of remembering things with everybody, so they too could benefit. I felt like I had stumbled upon a great secret and my discovery would be hailed. I pictured it being used in schools, colleges and everywhere else as a new memory technique. I wondered why nobody else had thought of such a simple but brilliant technique earlier. As I was waiting for him to finish making the photocopies, my eyes chanced upon small glittering stickers of cartoon characters like Tw eety bird, Fairies and Garfield and some Disney characters, which children use to decorate their books and other objects. I thought the stickers would make a nice finishing touch and I bought twenty sheets. I also came across some very beautiful printed stationery and could not resist buying about eight packets of writing sheets. They looked very beautiful and ========== Life Is What You Make It A Story Of Love, Hope And How Determination Can Overcome Even Destiny (Preeti Shenoy) - Your Note at location 1596 | Added on Monday, 15 June 2015 11:24:46 cont. how to make notes ========== Life Is What You Make It A Story Of Love, Hope And How Determination Can Overcome Even Destiny (Preeti Shenoy) - Your Highlight at location 1590-1596 | Added on Monday, 15 June 2015 11:24:46 I also looked around the shop and discovered some water colours. I had last painted with water colours only in school. On an impulse, I bought a set of water colours and a set of brushes as well. It was like an urgent impulse inside my head that was driving me to buy all this stuff. They seemed absolutely essential. I reached home armed with my large bag of purchases and unpacked them carefully and arranged them all on my desk. Then I sat down and decorated the corners of each set of notes with tiny stickers of cartoon characters. I used highlighter pens and highlighted each set of the notes in my colour coded way with green, purple and orange. There were seventy sets to finish and I was like a woman possessed. I stayed up the whole night doing just this. I was a reservoir of energy. I just couldn' t stop. Strangely I did not feel even a little tired. ========== Life Is What You Make It A Story Of Love, Hope And How Determination Can Overcome Even Destiny (Preeti Shenoy) - Your Highlight at location 1617-1617 | Added on Monday, 15 June 2015 11:55:29 uncannily ========== Life Is What You Make It A Story Of Love, Hope And How Determination Can Overcome Even Destiny (Preeti Shenoy) - Your Highlight at location 1650-1650 | Added on Monday, 15 June 2015 14:48:08 besotted ========== Life Is What You Make It A Story Of Love, Hope And How Determination Can Overcome Even Destiny (Preeti Shenoy) - Your Highlight at location

These are for you.  You have two choices.  You can use them when Rachel’s gone, or you can wait until she’s back, and I’m sure she’d be happy to help you.” He studied me for a moment then walked out of the kitchen, turning toward the bathroom.  I followed a few steps behind. A startled yelp escaped me when I rounded the corner and caught sight of a naked backside.  Without much thought, I tossed the soap and toothbrush in and slammed the door shut. “You could have waited until I put the stuff in there,” I said through the door as my heart thundered in my ears.  I took a steadying breath and heard the water turn on, the clink of his dog tag hitting the sink, then the shower curtain move. Who would have thought he would even know how to use a shower?  I hadn’t.  On the way home, I’d started to think of all the different things I would need to explain, like making sure to position the curtain inside the tub.  Standing outside the door, still reeling from the view I’d gotten, I realized I might see the same thing again if I didn’t get him a towel. I’d packed two bath towels.  Purchased from a discount store, they both sported gaudy floral designs.  I grabbed one and waited outside the door again until I heard him splashing in the shower.  Then, I knocked. “I have a towel for you,” I said through the door.  “If you’re still in the shower, I can open the door and toss it on the toilet seat.  Okay?”  I didn’t hear anything.  No surprise.  “Okay, I’m coming in.”  I waited a moment for any indication that I shouldn’t enter. When the water continued to run, I cautiously opened the door.  As soon as I saw a clear path to the toilet seat, I tossed the towel.  Standing just inside the bathroom with my hand wrapped around the door handle for a quick exit, I paused.  His new toothbrush rested on the sink. “My toothpaste is the one marked with the pink nail polish on the cap.  I’ll let you use it as long as you promise not to squeeze the tube from the middle.” His answer took the form of an accurately aimed splash of water over the top of the shower curtain.  I barely dodged it. “You’re cleaning that up.” I

loftybuildinggroup_com_au Loft building group located in Adelaide. We are a home builders. Make your custom house with us. There are various benefits in selecting a custom home builder over those who easily go off a house plan and make nominal changes. Chief of these advantage are client involvement, ductility and choice. Only a truly custom built home can fulfill all of the specifications of the client who commissions it; only a sincerely custom built home is completely tailor-made. When you selecting a new custom home builder, you work with builders, designers and architects to create a eyesight of your real dream house that can then become tangibility; and you are confluent fully in every step of that journey. You can supply a basic floor plan or commission a floor plan to be drawn up with your distinct needs in mind. Unequal production homes, which are generally built on land axiom by the production building company, a custom home can be built on current land that you own or land that you purchase, in any nearest area you choose, including already situated neighborhoods.

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.

Whenever my wife and I purchase a new appliance, we add another instruction manual to our collection. We have instruction manuals for the various appliances in our home, for the automobile, and for office equipment such as tape recorders, computers, and copying machines. Someone may say, “I wish we had a manual of instruction for life.” We do. It’s called the Bible, the Word of God. “Your hands have made me and fashioned me; give me understanding, that I may learn Your commandments” (v. 73). God made and fashioned us in His image. According to Psalm 139, He had plans for each of our lives before we were born. He gave each of us a unique mind and genetic structure. He wrote into His book the days that He assigned to us, and He planned the best for us. He also wrote a manual to help us live the way we ought. He gives us the Bible and says, “I want to give you understanding. The better you understand this book, the better you will understand yourself. You are made in My image. I want to reveal to you from My Word how to use your hands, your feet, your eyes, your ears, and your tongue. I want to tell you how My Word can make your heart work the way it is supposed to work.” The psalmist says, “Your hands have made me and fashioned me”—that’s our origin. “Give me understanding, that I may learn Your commandments”—that’s our operation. The Bible is the operation manual for life. How strange it is that people try to live their lives without an instruction book. They wonder why their marriages fall apart, why their bodies are in trouble, and why they’ve gotten themselves into a jam. Before all else fails, read the Word of God, the instruction manual for everyday living.

   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  

Between 1929 and 1930, one-third of the hard-pressed private agencies went under, unable to raise the money they needed. As Hastings Hart, a pioneering child-welfare leader, pointed out, it was time for government to step in with far more than it had ever done to deal with this unprecedented crisis. In September 1931, with Governor Franklin D. Roosevelt leading the way, the New York State Legislature finally passed the first law giving relief to the unemployed. By the end of December 1933, what was called Home Relief had started all over New York City. This was the beginning of the change from the dominance of private philanthropy to the dominance of public welfare, and the recognition that citizens had a right to expect to be taken care of. But getting help wasn’t made easy or pleasant. William Matthews, head of the Emergency Work Bureau in New York City, protested, “The whole damn theory of the thing is to make relief giving so unpleasant, so disagreeable, in fact so insulting to decent people that they stay away from the places where it is given.” As William Bremer detailed in his book Depression Winters, recipients of private and public charity were subject to scrutiny, told what they could and could not buy, and even accompanied by “voluntary shoppers” who supervised their purchases. Buying cigarettes, beer, candy, pies, and cakes was forbidden. And no cash changed hands. Recipients were given bags of coal and clothing, food tickets, and rent vouchers, and storekeepers were forbidden to give them change in cash.

This story created a sensation when it was first told. It appeared in the papers and many big Physicists and Natural Philosophers were, at least so they thought, able to explain the phenomenon. I shall narrate the event and also tell the reader what explanation was given, and let him draw his own conclusions. This was what happened. A friend of mine, a clerk in the same office as myself, was an amateur photographer; let us call him Jones. Jones had a half plate Sanderson camera with a Ross lens and a Thornton Picard behind lens shutter, with pneumatic release. The plate in question was a Wrattens ordinary, developed with Ilford Pyro Soda developer prepared at home. All these particulars I give for the benefit of the more technical reader. Mr. Smith, another clerk in our office, invited Mr. Jones to take a likeness of his wife and sister-in-law. This sister-in-law was the wife of Mr. Smith's elder brother, who was also a Government servant, then on leave. The idea of the photograph was of the sister-in-law. Jones was a keen photographer himself. He had photographed every body in the office including the peons and sweepers, and had even supplied every sitter of his with copies of his handiwork. So he most willingly consented, and anxiously waited for the Sunday on which the photograph was to be taken. Early on Sunday morning, Jones went to the Smiths'. The arrangement of light in the verandah was such that a photograph could only be taken after midday; and so he stayed there to breakfast. At about one in the afternoon all arrangements were complete and the two ladies, Mrs. Smiths, were made to sit in two cane chairs and after long and careful focussing, and moving the camera about for an hour, Jones was satisfied at last and an exposure was made. Mr. Jones was sure that the plate was all right; and so, a second plate was not exposed although in the usual course of things this should have been done. He wrapped up his things and went home promising to develop the plate the same night and bring a copy of the photograph the next day to the office. The next day, which was a Monday, Jones came to the office very early, and I was the first person to meet him. "Well, Mr. Photographer," I asked "what success?" "I got the picture all right," said Jones, unwrapping an unmounted picture and handing it over to me "most funny, don't you think so?" "No, I don't ... I think it is all right, at any rate I did not expect anything better from you ...", I said. "No," said Jones "the funny thing is that only two ladies sat ..." "Quite right," I said "the third stood in the middle." "There was no third lady at all there ...", said Jones. "Then you imagined she was there, and there we find her ..." "I tell you, there were only two ladies there when I exposed" insisted Jones. He was looking awfully worried. "Do you want me to believe that there were only two persons when the plate was exposed and three when it was developed?" I asked. "That is exactly what has happened," said Jones. "Then it must be the most wonderful developer you used, or was it that this was the second exposure given to the same plate?" "The developer is the one which I have been using for the last three years, and the plate, the one I charged on Saturday night out of a new box that I had purchased only on Saturday afternoon." A number of other clerks had come up in the meantime, and were taking great interest in the picture and in Jones' statement. It is only right that a description of the picture be given here for the benefit of the reader. I wish I could reproduce the original picture too, but that for certain reasons is impossible. When the plate was actually exposed there were only two ladies, both of whom were sitting in cane chairs. When the plate was developed it was found that there was in the picture a figure, that of a lady, standing in the middle. She wore a broad-edged dhoti (the reader should not forget that all the characters are Indians), only the upper half of her

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

Dallas mortgage company Frank Jesse | First Choice Loan Services Frank has over ten years of experience in the mortgage industry and has become adept at identifying a customized mortgage option for each client's unique needs. His expertise with the mortgage process ranges from credit qualifying, conventional and government loans, including purchase and refinance loans. He has the acute knowledge and experience to get your loan completed and has the outstanding service to match. He is dedicated to providing each customer and business partner with the highest level of service and professionalism. Put Frank's experience to work so he can help you meet your goals. Whether you are refinancing your current home or looking to purchase a new one, Frank can help you today! We provide a wide range of mortgage products including:- Dallas mortgage company Frank Jesse | First Choice Loan Services Dallas mortgage lenders Frank Jesse | First Choice Loan Services Dallas mortgage brokers Frank Jesse | First Choice Loan Services Fha Loans Frank Jesse |First Choice Loan Services Va Loans First Choice Bank Frank Jesse |First Choice Loan Services Fixed Rate Mortgages Frank Jesse |First Choice Loan Services Adjustable Rate Mortgages Frank Jesse |First Choice Loan Services Refinancing Options Frank Jesse |First Choice Loan Services Jumbo Loans Frank Jesse |First Choice Loan Services Renovation Mortgages Frank Jesse |First Choice Loan Services Contact info:- First Choice Loan Services Inc. 15303 N Dallas Parkway #150 Addison, TX 75001 Direct: (214) 306-8388 Mobile: (469) 766-8390 FAX: (214) 206-9366 Email: frank.jesse@fcbmtg.com

In this context, fear of toxicity strikes me as an old anxiety with a new name. Where the word filth once suggested, with its moralist air, the evils of the flesh, the word toxic now condemns the chemical evils of our industrial world. This is not to say that concerns over environmental pollution are not justified—like filth theory, toxicity theory is anchored in legitimate dangers—but that the way we think about toxicity bears some resemblance to the way we once thought about filth. Both theories allow their subscribers to maintain a sense of control over their own health by pursuing personal purity. For the filth theorist, this meant a retreat into the home, where heavy curtains and shutters might seal out the smell of the poor and their problems. Our version of this shuttering is now achieved through the purchase of purified water, air purifiers, and food produced with the promise of purity.

Jt'i to- You shall love your neighbor as yourself. -LEVITICUS 19:18 Yes, I give you permission to be selfish at times. One thing I notice about so many people is that they are burned out because they spend so much time serving others that they have no time for themselves. As a young mom I was going from sunup to late in the evening just doing the things that moms do. When evening came around I was exhausted. All I wanted to do was take a hot bath and slip into bed and catch as much sleep as possible before I was awakened in the night by one of the children. After several years I remember saying to myself, I've got to have some time just for me-I need help. One of the things I did was to get up a half hour before everyone else so I could spend time in the Scriptures over an early cup of tea. This one activity had an incredibly positive effect upon my outlook. I went on to making arrangements to get my hair and nails taken care of periodically. I was even known to purchase a new outfit (on sale of course) occasionally. As I matured I discovered that I became a better parent and wife when I had time for myself and my emotional tank was filled up. I soon realized I had plenty left over to share with my loved ones. When you're able to spend some time just for you, you will be more relaxed, and your family and home will function better. I find these to be beneficial time-outs: • taking a warm bath by candlelight • getting a massage • having my hair and nails done • meeting a friend for lunch • listening to my favorite CD • reading a good book • writing a poem

We received two sets of silver plated tea spoons, a few ash trays, a few egg-cups. As we had no furniture, the uncles' gift of fifty Israeli pounds was intended for the purchase of a piece of furniture, a clothes wardrobe. After the meal, after receiving all their good wishes and blessings, the guests all went home. The out-of-towners left on a bus and the newly weds? We walked about five minutes to our furnished room and started our new life together. The wedding was simple, a short ceremony in a new town, among a few people, whom I hardly knew, far away from my entire family, no friends present, nobody giving away the bride, no honeymoon, no real home to go to.

Whenever Jeu Gong could get away from the store, he went to his small plot of land at the far end of Bruce Street, beside the train depot, in Rosedale. He cleared brush from the lot to lay the foundation, cutting back grasses and cane scrub that grew near the tracks. Over several years, gradually purchasing labor, mortar, and brick, Jeu Gong built a new home for his family.

But in the new housing marketplace of the 21st century, everything had changed. People were getting rich, House values were soaring. There was no need for archaic processes values were writing or income verification. This was a new era. And no one wanted in on the profits more than Wall era. Ainvestment banks. They couldn't stand to sit on the sidelines and watch everyone else get rich. Making money was their game, and they not only wanted to play, they wanted to write the rules. And so they did. And what did these "Titans of Finance" create? The "100-percent financing, No-Doc, Stated Income, Negative Amortizing" loan. I laugh as I write this. Literally, a person could wrap all those features into one loan. It was beyond comical. It was insane. And what do these terms actually mean? • 100-percent financing: The buyers didn't need to contribute a single dime to actually purchase the house. They could finance it all, transferring all of the risk to the financial institutions. • No-Doc: The banks didn't verify such silly things as job status or credit history. Nope. If you could sign your name, you could buy a home. Stated Income: The clients told the banks how much they made. In other words, they lied. • Negative Amortizing: The clients payments wouldn't be large enough to even cover the monthly interest, so the principle balance on the loan would increase each month, putting them further and further into debt

isn’t frowning on the new craze. It’s actively promoting sports gambling with corporate partnerships and in-game graphics broadcast on national television, giving viewers live betting odds of the current batter’s chances of hitting a home run in that very moment. There’s simply too much money in play not to be involved. In 2023, fans in America wagered more than one hundred billion dollars on sports, enough money that they could have pooled their cash to buy the Cincinnati Reds a hundred times over or purchase every single Major League Baseball team—and still have billions of dollars left in their pockets.

You know how I always interpreted that? These were people so hungry for love that they were accepting substitutes. They were embracing material things and expecting a sort of hug back. But it never works. You can't substitute material things for love or for gentleness or for tenderness or for a sense of comradeship. "Money is not a substitute for tenderness, and power is not a substitute for tenderness. I can tell you, as I'm sitting here dying, when you most need it, neither money nor power will give you the feeling you're looking for, no matter how much of them you have." I glanced around Morrie's study. It was the same today as it had been the first day I arrived. The books held their same places on the shelves. The papers cluttered the same old desk. The outside rooms had not been improved or upgraded. In fact, Morrie really hadn't bought anything new-except medical equipment-in a long, long time, maybe years. The day he learned that he was terminally ill was the day he lost interest in his purchasing power. So the TV was the same old model, the car that Charlotte drove was the same old model, the dishes and the silverware and the towels- all the same. And yet the house had changed so drastically. It had filled with love and teaching and communication. It had filled with friendship and family and honesty and tears. It had filled with colleagues and students and meditation teachers and therapists and nurses and a cappella groups. It had become, in a very real way, a wealthy home, even though Morrie's bank account was rapidly depleting.

The Probate Home Sale When an offer to purchase a home being sold through probate in New Jersey has been accepted, a notice will be mailed to heirs of the estate. This notice is the Notice of Proposed Action. The Notice of Proposed Action enables estate heirs to object to the sale of the home. Should an estate heir - or, should estate heirs - object to the sale of the home, a court date will be set. Any offer to purchase a home being sold through probate must be equal to - or greater than - 90% of the appraisal value of the home. The appraisal value of the home is provided to the court by a licensed real estate appraiser who has been designated by the court to conduct such an appraisal. Whats next? The attorney for the estate schedules a confirmation hearing. This hearing takes place within 45 days of the filing date. Throughout the process, the listing agent of the home being sold through probate continues to show the home to prospective buyers. One directive the listing agent has in continuing to show the home to buyers is to determine whether an over-bidder emerges. An over-bidder is a buyer who submits their offer to purchase the home at a sale price which is greater than offers which have been received, to date. Thus, raising the sale price of the home. Increasing proceeds for the estate. In the event that there is an offer submitted by an over-bidder, the over-bidder attends a confirmation hearing. At the confirmation hearing, the over-bidder is required to present a certified check which is equal to or greater than 10% of the proposed sale price.

Insecurity and fear play a big role in the secret-semi-hoarder’s life. (See chapter 7 for more on how fear shows up in your home.) A client kept telling me she “could not get a handle on things no matter what she did.” She felt overwhelmed and anxious most of the time. As I stood in her kitchen and looked around, there were no knobs on any of her drawers! She said she took off the old knobs after she purchased new ones, but the new ones didn’t fit, and she didn’t want to put the old ones back on. So for over one year, she struggled daily to get into her cabinets and drawers. The constant awkwardness of uneasily grasping exacerbated her feeling of “not being able to get a handle on things” in other areas of her life.

The Del Aria Team has mastered navigating this highly competitive and ever-changing market. Our industry experience and unsurpassed commitment to excellence differentiate us from other agents and make us your best bet to quickly and easily sell your home or help you purchase a new one. Put our talent to work for you. We welcome the opportunity to guide you through the buying and selling journey. In the end, Real Estate is about helping people, and that's what we love to do!

WHEN I was fifteen years old, you would have thought I was nineteen, even twenty. My name wasn’t Louki then, it was Jacqueline. I was even younger than fifteen the first time I took advantage of my mother’s absence to go out. She went to work around nine o’clock in the evening and she didn’t come back before two in the morning. That first time, I had prepared a lie in case the concierge caught me in the stairwell. I was going to tell him that I needed to purchase some medicine from the pharmacy at place Blanche. I hadn’t been back to the neighborhood until the night Roland took me, by taxi, to the home of one of Guy de Vere’s friends. We were going there to meet everyone who regularly attended the lectures. We had only recently met at that point, Roland and I, and I wasn’t comfortable saying something when he had the taxi stop at place Blanche. He wanted us to walk a ways. Perhaps he didn’t notice how tightly I held on to his arm.

Amazon, the world’s largest online retailer, has changed how we shop and what we expect of shipping and deliveries. More than half of US households are members of Amazon Prime, and Amazon delivered ten billion packages in 2018, which is two billion more than the number of people on this planet. Amazon Web Services (AWS) provides cloud computing services and applications that enable start-ups and established companies to easily create new products and services, just as the iPhone App Store opened whole new pathways for business. Amazon’s Echo has created a new market for smart home speakers, and Amazon Studios is making hit TV shows and movies. Amazon is also poised to disrupt the health and pharmacy industries. At first its purchase of the Whole Foods Market chain was confounding, until it became apparent that the move could be a brilliant way to tie together the strands of a new Bezos business model, which involves retailing, online ordering, and superfast delivery, combined with physical outposts. Bezos is also building a private space company with the long-term goal of moving heavy industry to space, and he has become the owner of the Washington Post.

There’s even research that shows that fear of something completely unrelated to the risk can influence your decision. If you’re stressed about your job, and you’re also considering purchasing a new home, you’ll be more likely to view that home purchase as a bigger risk than if you weren’t feeling stressed at work. Often, we’re not good at separating what factors are influencing our feelings so we lump them all together.

In a similar fashion, you can find ways to like a person if you believe you can. You can discover solutions to personal problems if you believe you can. You can find a way to purchase that new, larger home if you believe you can. Belief releases creative powers. Disbelief puts the brakes on. Believe, and you’ll start thinking—constructively.

Let’s look at how some successful brands we all know about have positioned the purchasing of their products as the resolution to external, internal, and philosophical problems: TESLA MOTOR CARS: Villain: Gas guzzling, inferior technology External: I need a car. Internal: I want to be an early adopter of new technology. Philosophical: My choice of car ought to help save the environment. NESPRESSO HOME COFFEE MACHINES: Villain: Coffee machines that make bad coffee External: I want better-tasting coffee at home. Internal: I want my home coffee machine to make me feel sophisticated. Philosophical: I shouldn’t have to be a barista to make a gourmet coffee at home. EDWARD JONES FINANCIAL PLANNING: Villain: Financial firms that don’t listen to their customers External: I need investment help. Internal: I’m confused about how to do this (especially with all the tech-driven resources out there). Philosophical: If I’m going to invest my money, I deserve an advisor who will thoughtfully explain things in person.

That trifecta—humanities, technology, business—is what has made him one of our era’s most successful and influential innovators. Like Steve Jobs, Bezos has transformed multiple industries. Amazon, the world’s largest online retailer, has changed how we shop and what we expect of shipping and deliveries. More than half of US households are members of Amazon Prime, and Amazon delivered ten billion packages in 2018, which is two billion more than the number of people on this planet. Amazon Web Services (AWS) provides cloud computing services and applications that enable start-ups and established companies to easily create new products and services, just as the iPhone App Store opened whole new pathways for business. Amazon’s Echo has created a new market for smart home speakers, and Amazon Studios is making hit TV shows and movies. Amazon is also poised to disrupt the health and pharmacy industries. At first its purchase of the Whole Foods Market chain was confounding, until it became apparent that the move could be a brilliant way to tie together the strands of a new Bezos business model, which involves retailing, online ordering, and superfast delivery, combined with physical outposts. Bezos is also building a private space company with the long-term goal of moving heavy industry to space, and he has become the owner of the Washington Post.

They took the elevator up to the eighth floor. Charbonnel et Walker Chocolate Café was tucked between Ladies' Shoes and the Home and Gifts Department. Bathed in pale pink paint and lit by crystal chandeliers, the enchanted corner was dominated by a counter featuring a conveyor belt that transported plates of croissants, brownies, scones, muffins, and every imaginable truffle under glass domes. Dark and milk chocolate, strawberry, lemon, pink champagne, mint, cappuccino, and buzz fizz with its distinctive orange center. Sparkling glass cabinets temptingly displayed hundreds of the treats lined up in precise rows. They could be consumed on the premises or purchased to take away. A gold seal on the candy boxes signaled that the Queen of England was a fan.

1689: King William of Orange guarantees his subjects (except Catholics) the right to bear arms for self-defense in a new Bill of Rights. 1819: In response to civil unrest, a temporary Seizure of Arms Act is passed; it allows constables to search for, and confiscate, arms from people who are “dangerous to the public peace.” This expired after two years. 1870: A license is needed only if you want to carry a firearm outside of your home. 1903: The Pistols Act is introduced and seems to be full of common sense. No guns for drunks or the mentally insane, and licenses are required for handgun purchases. 1920: The Firearms Act ushers in the first registration system and gives police the power to deny a license to anyone “unfitted to be trusted with a firearm.” According to historian Clayton Cramer, this is the first true pivot point for the United Kingdom, as “the ownership of firearms ceased to be a right of Englishmen, and instead became a privilege.” 1937: An update to the Firearm Act is passed that raises the minimum age to buy a gun, gives police more power to regulate licenses, and bans most fully automatic weapons. The home secretary also rules that self-defense is no longer a valid reason to be granted a gun certificate. 1967: The Criminal Justice Act expands licensing to shotguns. 1968: Existing gun laws are placed into a single statute. Applicants have to show good reason for carrying ammunition and guns. The Home Office is also given the power to set fees for shotgun licenses. 1988: After the Hungerford Massacre, in which a crazy person uses two semi-automatic rifles to kill fifteen people, an amendment to the Firearms Act is passed. According to the BBC, this amendment “banned semi-automatic and pump-action rifles; weapons which fire explosive ammunition; short shotguns with magazines; and elevated pump-action and self-loading rifles. Registration was also made mandatory for shotguns, which were required to be kept in secure storage.” 1997: After the Dunblane massacre results in the deaths of sixteen children and a teacher (the killer uses two pistols and two revolvers), another Firearms Act amendment is passed, this one essentially banning all handguns. 2006: After a series of gun-related homicides get national attention, the Violent Crime Reduction Act is passed, making it a crime to make or sell imitation guns and further restricting the use of “air weapons.

The Great March of Return was both a lab and showroom. The most sophisticated new weapon used against the Palestinian protesters was the “Sea of Tears,” a drone that dropped tear gas canisters on a desired area. Despite Israeli claims of accuracy, a tent full of Palestinian women and children had tear gas dropped onto them, as did groups of reporters. Israeli police started using drones that dropped tear gas grenades on protestors in the West Bank in April 2021. One month later, Israel announced that a fleet of drones would be used to track riots and protests as well as areas damaged by rockets fired from Gaza. Israel announced in 2022 that it approved the use of armed drones for “targeted killings” in the West Bank. Reportedly tested over Gaza before the major protests began in 2018, a Chinese-made drone by Da Jiang Innovations was reconfigured by Israel’s Border Force, which was working with Israeli company Aeronautics to adapt the drone to on-the-ground service requirements. “Beyond the fact that it neutralizes all danger to our forces, it allows us to reach places that we had yet to reach,” Border Police Commander Kobi Shabtai told Israel’s Channel 2 news. The immediate effectiveness of the Sea of Tears led Maf’at, the Israeli Administration for the Development of Weapons and Technological Infrastructure, to purchase hundreds of the drones after the first night of demonstrations in Gaza. Another innovation was the “skunk water” drone, a form of liquid emitted from a water cannon that left a foul smell on clothes and body for a long time. Israeli firm Aeronautics was behind this innovation, a technique that had been already used in the West Bank and Jerusalem to deter protestors. Reports appeared in early 2020 by anti-occupation activists in the West Bank that Israeli-controlled talking drones were flying overhead and sending out a “Go Home” message to Palestinian protestors. Israeli activists were told in Hebrew not to “stand with the enemy.

Faith confessions you can declare to sell your house for the right price, which God has set, to have the funds to buy another house: • "I trust God to establish the price of my house and to bring the right buyer who will pay the full price." (Psalm 66:10) • "I confess that God is my provider and will supply all my needs according to His riches in glory, including the right buyer for my house." (Philippians 4:19) • "I believe that God has already prepared the way for my house to sell and for me to purchase a new home." (Deuteronomy 31:8) • "I confess that I will trust God's timing and plan for the sale of my house and not grow weary or anxious." (Psalm 37:7-9) Remember to hold on to these confessions with faith and patience, trusting that God's plan is perfect. Keep seeking Him and His guidance in your journey to selling your house and buying a new one!

The new owners of the South Valley Street house, who described themselves online as people who "love dancing, practicing selfrealization, meditation, freedom, and investing," turned the Kardonsky-Cook home into an Airbnb. They named it "A Creek Runs Through It Olympic Mountain Retreat." It was one of the four properties they had purchased to rent around the Olympic Peninsula. The listing described the house as a "historic luxury two-story farmhouse" and charged guests $190 a night to sleep in the rooms where my family once lived. A big selling point for their property was the creek that my grandmother and her siblings played in, that my mother explored before picking salmonberries from the bushes on its bank. They marketed the home as being close to the waterfront that my great-grandfather walked to every day for work. He was a longshoreman and worked at the docks the entire time he lived there. His cat met him halfway home after every shift. One review read, "It doesn't feel like someone fixed up a house and is renting it, it feels like someone's home.

The next time you go to the supermarket, look closely at a can of peas. Think about all the work that went into it—the farmers, truckers, and supermarket employees, the miners and metalworkers who made the can—and think how miraculous it is that you can buy this can for under a dollar. At every step of the way, competition among suppliers rewarded those whose innovations shaved a penny off the cost of getting that can to you. If God is commonly thought to have created the world and then arranged it for our benefit, then the free market (and its invisible hand) is a pretty good candidate for being a god. You can begin to understand why libertarians sometimes have a quasi-religious faith in free markets. Now let’s do the devil’s work and spread chaos throughout the marketplace. Suppose that one day all prices are removed from all products in the supermarket. All labels too, beyond a simple description of the contents, so you can’t compare products from different companies. You just take whatever you want, as much as you want, and you bring it up to the register. The checkout clerk scans in your food insurance card and helps you fill out your itemized claim. You pay a flat fee of $10 and go home with your groceries. A month later you get a bill informing you that your food insurance company will pay the supermarket for most of the remaining cost, but you’ll have to send in a check for an additional $15. It might sound like a bargain to get a cartload of food for $25, but you’re really paying your grocery bill every month when you fork over $2,000 for your food insurance premium. Under such a system, there is little incentive for anyone to find innovative ways to reduce the cost of food or increase its quality. The supermarkets get paid by the insurers, and the insurers get their premiums from you. The cost of food insurance begins to rise as supermarkets stock only the foods that net them the highest insurance payments, not the foods that deliver value to you. As the cost of food insurance rises, many people can no longer afford it. Liberals (motivated by Care) push for a new government program to buy food insurance for the poor and the elderly. But once the government becomes the major purchaser of food, then success in the supermarket and food insurance industries depends primarily on maximizing yield from government payouts. Before you know it, that can of peas costs the government $30, and all of us are paying 25 percent of our paychecks in taxes just to cover the cost of buying groceries for each other at hugely inflated costs. That, says Goldhill, is what we’ve done to ourselves. As long as consumers are spared from taking price into account—that is, as long as someone else is always paying for your choices—things will get worse.

When Martin analyzed the data—every transaction using a Canadian Tire credit card from the prior year—he discovered that what customers purchased was a remarkably precise predictor of their subsequent payment behavior when used in conjunction with traditional tools like income and credit history. A New York Times Magazine article entitled “What Does Your Credit Card Company Know about You?” described some of Martin’s most intriguing findings: “People who bought cheap, generic automotive oil were much more likely to miss a credit-card payment than someone who got the expensive, name-brand stuff. People who bought carbon-monoxide monitors for their homes or those little felt pads that stop chair legs from scratching the floor almost never missed payments. Anyone who purchased a chrome-skull car accessory or a ‘Mega Thruster Exhaust System’ was pretty likely to miss paying his bill eventually.

Relocating internationally can be a thrilling adventure, but it’s not without its challenges. The logistics involved in international moving are more complex than domestic moves, requiring careful planning and execution. To ensure a smooth transition to your new home, here are ten essential tips for international moving. 1. Start Early Begin the planning process well in advance. International moves involve extensive paperwork, visa applications, and scheduling with international moving companies. Start at least six months before your intended move date. 2. Declutter and Organize Before packing, declutter your belongings. Dispose of items you no longer need or use. This not only reduces the cost of moving but also helps you start fresh in your new home. 3. Research International Moving Companies Select a reputable international moving company with experience in your destination country. Read reviews, ask for referrals, and obtain quotes from multiple companies. Choose one that offers comprehensive services and competitive rates. 4. Understand Customs Regulations Familiarize yourself with the customs regulations of your destination country. Different countries have varying rules about what you can bring with you. Be prepared to fill out detailed customs forms. 5. Documentation Ensure all your important documents are in order. This includes passports, visas, medical records, and any necessary permits. Keep physical copies as well as digital backups. 6. Packing Strategy Use sturdy, high-quality packing materials to protect your belongings during transit. Label boxes clearly and create an inventory list. Pack essential items separately for easy access upon arrival. 7. Insurance Consider purchasing international moving insurance to protect your possessions during the move. Verify what is covered and ensure it meets your needs. 8. Currency and Banking Set up a bank account in your new country before you move. Also, consider having some local currency on hand for immediate expenses upon arrival. 9. Learn About Your New Home Research your destination thoroughly. Understand the local culture, language, and basic laws. Knowing what to expect can ease the transition. 10. Stay Organized Keep all your moving-related paperwork, receipts, and contact information in one place. This will be invaluable if any issues arise during your international move. Bonus Tip: Stay Positive! Moving internationally can be stressful, but maintaining a positive attitude can make a world of difference. Embrace the adventure and view it as an opportunity for personal growth and exploration. Conclusion International moving is a significant undertaking that requires careful planning and thorough research.

Over the next few years, the number of African Americans seeking jobs and homes in and near Palo Alto grew, but no developer who depended on federal government loan insurance would sell to them, and no California state-licensed real estate agent would show them houses. But then, in 1954, one resident of a whites-only area in East Palo Alto, across a highway from the Stanford campus, sold his house to a black family. Almost immediately Floyd Lowe, president of the California Real Estate Association, set up an office in East Palo Alto to panic white families into listing their homes for sale, a practice known as blockbusting. He and other agents warned that a 'Negro invasion' was imminent and that it would result in collapsing property values. Soon, growing numbers of white owners succumbed to the scaremongering and sold at discounted prices to the agents and their speculators. The agents, including Lowe himself, then designed display ads with banner headlines-"Colored Buyers!"-which they ran in San Francisco newspapers. African Americans desperate for housing, purchased the homes at inflated prices. Within a three-month period, one agent alone sold sixty previously white-owned properties to African Americans. The California real estate commissioner refused to take any action, asserting that while regulations prohibited licensed agents from engaging in 'unethical practices,' the exploitation of racial fear was not within the real estate commission's jurisdiction. Although the local real estate board would ordinarily 'blackball' any agent who sold to a nonwhite buyer in the city's white neighborhoods (thereby denying the agent access to the multiple listing service upon which his or her business depended), once wholesale blockbusting began, the board was unconcerned, even supportive. At the time, the Federal Housing Administration and Veterans Administration not only refused to insure mortgages for African Americans in designated white neighborhoods like Ladera; they also would not insure mortgages for whites in a neighborhood where African Americans were present. So once East Palo Alto was integrated, whites wanting to move into the area could no longer obtain government-insured mortgages. State-regulated insurance companies, like the Equitable Life Insurance Company and the Prudential Life Insurance Company, also declared that their policy was not to issue mortgages to whites in integrated neighborhoods. State insurance regulators had no objection to this stance. The Bank of America and other leading California banks had similar policies, also with the consent of federal banking regulators. Within six years the population of East Palo Alto was 82 percent black. Conditions deteriorated as African Americans who had been excluded from other neighborhoods doubled up in single-family homes. Their East Palo Alto houses had been priced so much higher than similar properties for whites that the owners had difficulty making payments without additional rental income. Federal and state hosing policy had created a slum in East Palo Alto. With the increased density of the area, the school district could no longer accommodate all Palo Alto students, so in 1958 it proposed to create a second high school to accommodate teh expanding student population. The district decided to construct the new school in the heart of what had become the East Palo Alto ghetto, so black students in Palo Alto's existing integrated building would have to withdraw, creating a segregated African American school in the eastern section and a white one to the west. the board ignored pleas of African American and liberal white activists that it draw an east-west school boundary to establish two integrated secondary schools. In ways like these, federal, state, and local governments purposely created segregation in every metropolitan area of the nation.

Although the federal government had been trying to persuade middle-class families to buy single-family homes for more than fourteen years, the campaign had achieved little by the time Franklin D. Roosevelt took office in 1933. Homeownership remained prohibitively expensive for working- and middle-class families: bank mortgages typically required 50 percent down, interest-only payments, and repayment in full after five to seven years, at which point the borrower would have to refinance or find another bank to issue a new mortgage with similar terms. Few urban working- and middle-class families had the financial capacity to do what was being asked. The Depression made the housing crisis even worse. Many property-owning families with mortgages couldn't make their payments and were subject to foreclosure. With most others unable to afford homes at all, the construction industry was stalled. The New Deal designed one program to support existing homeowners who couldn't make payments, and another to make first-time homeownership possible for the middle class. In 1933, to rescue households that were about to default, the administration created the Home Owners' Loan Corporation (HOLC). It purchased existing mortgages that were subject to imminent foreclosure and then issued new mortgages with repayment schedules of up to fifteen years (later extended to twenty-five years). In addition, HOLC mortgages were amortized, meaning that each month's payment included some principal as well as interest, so when the loan was paid off, the borrower would own the home. Thus, for the first time, working- and middle-class homeowners could gradually gain equity while their properties were still mortgaged. If a family with an amortized mortgage sold its home, the equity (including any appreciation) would be the family's to keep. HOLC mortgages had low interest rates, but the borrowers still were obligated to make regular payments. The HOLC, therefore, had to exercise prudence about. its borrowers' abilities to avoid default. to assess risk, the HOLC wanted to know something about the condition of the house and of surrounding houses in the neighborhood to see whether the property would likely maintain its value. The HOLC hired local real estate agents to make the appraisals on which refinancing decisions could be based. With these agents required by their national ethics code to maintain segregation, it's not surprising that in gauging risk HOLK considered the racial composition of neighborhoods. The HOLC created color-coded maps of every metropolitan area in the nation, with the safest neighborhoods colored green and the riskiest colored red. A neighborhood earned a red color if African Americans lived in it, even if it was a solid middle-class neighborhood of single-family homes. For example, in St. Louis, the white middle-class suburb of Ladue was colored green because, according to an HOLC appraiser in 1940, it had 'not a single foreigner or negro.' The similarly middle-class suburban area of Lincoln Terrace was colored red because it had 'little or no value today . . . due to the colored element now controlling the district.' Although HOLC did not always decline to rescue homeowners in neighborhoods colored red on its maps (i.e., redlined neighborhoods), the maps had a huge impact and put the federal government on record as judging that African Americans, simply because of their race, were poor risks.

God’s Word is the most critical tool you could use. The Bible is the inspired Word of God. This means that God spoke to everyone that wrote a book in the Bible on what he wanted an account of. In the same manner, God has inspired me to write this book and has helped me to know what to include. Scripture is meant to edify, teach, correct, encourage, inspire, and give hope to all who hear and read it. Throughout this book I have shared scripture to back up what I was saying. God reveals things in scripture to those who seek it out. You can read the same passage of scripture for years, and then one day it seems a light bulb goes on. He will show you something deeper about that verse. God is multifaceted. He is not limited to one way of speaking to you, nor does he limit His Word to one message. What I mean by that is one scripture can teach you something, and then at another time, God may reveal even more meaning to that scripture. It is like there are layers to passages of scripture, just as you may pull back layers of wallpaper. Each layer is different and reveals a bit more. As you seek to draw closer to God, He will start to peel back those layers and teach you more and more, as you are able to receive it. If you are new to reading the Bible, it may seem a bit intimidating at first. Where do you start? What should you read? I suggest researching scripture that applies to what you are going through. If you are suffering from fear, then research fear. Once you have found some scriptures, read a few of the verses before and after the verse you chose to help you learn the context in which it was written. You may also want to read from Proverbs daily, consider the Psalms and the Gospels: Matthew, Mark, Luke and John. May I also suggest you consider finding a Bible study group to join or at the very least purchase a beginner’s Bible study guide. Next, choose a few of the scriptures you researched that really spoke to you and write them down on a 3x5 index card. Or you may want to print each verse out on a sheet of paper. Then hang them up where you will see them, such as your bathroom mirror, above your desk at home, or even throughout your house. If you can, take a few to work with you. Each day, multiple times a day, speak those scriptures out loud. I suggest at a minimum speak them when you get up in the morning and before you go to bed at night. The spoken Word is so powerful. As I mentioned before, it is a weapon against the devil. He loses power every time you speak scripture. It also triggers your mind to believe what you say. That is why it is so important to be very careful about anything you speak. Negative thoughts start to become real to you when you speak them. These steps are things I have practiced through the years and found them to be very helpful. If you are struggling with multiple negative thoughts, it may be easier to find scripture for one at a time. Don’t overwhelm yourself with trying to deal with everything at once. You can switch out the verses or add to them as time goes on. Do what works for you.

addition to federal redlining policies, realtors and neighborhood associations used private measures to enforce residential segregation. For much of the twentieth century, “restrictive covenants” provided a legal, race-based mechanism to exclude black people from purchasing homes in white communities. “Private but legally enforceable restrictive covenants . . . forbade the use or sale of a property to anyone but whites.”43 These restrictive covenants, which also dictated details such as what color residents could paint their houses, effectively kept black people out of communities, especially new growth suburbs, for decades. Even after the 1948 Supreme Court ruling in Shelley v. Kraemer forbidding these racial covenants, real estate brokers simply dropped explicitly race-based language but still effectively excluded minorities from buying homes in white areas.

Post Malone Open Carries Gun While Buying Hoverboard in Utah Wal Mart There's long history of firearms in the hip-hop industry. Most of it is only for the show, although some of this history includes violent undertones. In actuality, many rappers legally take on an everyday basis. This includes Article Malone, who carried while buying at a Utah Walmart a week to the rapper.The Walmart article received a lot more than 1000 opinions. A massive majority were positive in him shopping at Walmart and using an open carry pistol. Not everybody agreed. Some seemed to consider the concept of carrying out a gun to become juvenile. Utah law allows open transport, if the individual has a permit. The gun has to be carried with just two steps necessary for firing: racking the slide along with pulling on the trigger.Response to Create Malone Open Carrying There's absolutely not any way of knowing if Malone has a license for Utah. Approximately 22 per cent of state residents have licenses. Utah recognizes permits for all 50 states, so he may have one from somewhere else. He owns homes in California and Utah, therefore he might have permits for either one. Malone creates a advocate for your responsible use of guns.One particular reason he supports gun rights is the same as many other gun owners in the nation. He considers"the globe will shit," and wishes to be more prepared if something happens. He actually showed off part of the collection during a meeting with Spin. At exactly the exact same time he clarified he could be right into alternative news and conspiracy theories. The writer believed the set to be"disconcerting," seemingly not understanding that a lot of Americans possess firearms and hold a number of the exact beliefs. It might seem unusual but was normal within the Utah wal mart.A UTAH Wal-mart GOT A NICE SURPRISE WHEN RAPPER POST MALONE VISITED TO BUY A HOVERBOARD, ALL WHILE BEING AN ADVOCATE OF Open-carry WITH A PISTOL ON HIS HIP.The shop actually published a photograph of Malone with a Walmart employee and depriving him . While there, he purchased a hoverboard, and spent a few minutes posing for pictures and conversing with fans. And with that visit, Malone had a pistol within a holster. Our friends at Ballistic Magazine confirm that the pistol appears to function as described as a ZEV OZ9.Malone, whose name is Austin Richard Post, is a long time owner of firearms. Section of this might be because while he was born in New York, he was raised in Texas. Over time, media outlets have been told by him regarding his service of the Second Amendment. One of the tattoos, actually, is that a snake.

Home Owners’ Loan Corporation (HOLC). It purchased existing mortgages that were subject to imminent foreclosure and then issued new mortgages with repayment schedules of up to fifteen years (later extended to twenty-five years).

An old farmer said he quit tobacco for good one day when he discovered he had left his tobacco home and started to walk the two miles for it. On the way, he “saw” that he was being “used” in a humiliating way by a habit. He got mad, turned around, went back to the field, and never smoked again. Clarence Darrow, the famous attorney, said his success started the day that he “got mad” when he attempted to secure a mortgage to buy a house. Just as the transaction was about to be completed, the lender’s wife spoke up and said, “Don’t be a fool. He will never make enough money to pay it off.” Darrow himself had had serious doubts about the same thing. But something happened when he heard her remark. He became indignant, both at the woman and at himself, and determined he would be a success. A businessman friend of mine had a very similar experience. A failure at 40, he continually worried about “how things would come out,” about his own inadequacies, and whether or not he would be able to complete each business venture. Fearful and anxious, he was attempting to purchase some machinery on credit, when the seller’s wife objected. She did not believe he would ever be able to pay for the machinery. At first his hopes were dashed. But then he became indignant. Who was he to be pushed around like that? Who was he to skulk through the world, continually fearful of failure? The experience awakened “something” within him—some “new self”—and at once he saw that this woman’s remark, as well as his own opinion of himself, was an affront to this “something.” He had no money, no credit, and no way to accomplish what he wanted. But he found a way—and within three years he was more successful than he had ever dreamed of being—not in one business, but in three.

Birds— and Territory My dad and I designed a house for a wren family when I was ten years old. It looked like a Conestoga wagon, and had a front entrance about the size of a quarter. This made it a good house for wrens, who are tiny, and not so good for other, larger birds, who couldn’t get in. My elderly neighbour had a birdhouse, too, which we built for her at the same time, from an old rubber boot. It had an opening large enough for a bird the size of a robin. She was looking forward to the day it was occupied. A wren soon discovered our birdhouse, and made himself at home there. We could hear his lengthy, trilling song, repeated over and over, during the early spring. Once he’d built his nest in the covered wagon, however, our new avian tenant started carrying small sticks to our neighbour’s nearby boot. He packed it so full that no other bird, large or small, could possibly get in. Our neighbour was not pleased by this pre- emptive strike, but there was nothing to be done about it. “If we take it down,” said my dad, “clean it up, and put it back in the tree, the wren will just pack it full of sticks again.” Wrens are small, and they’re cute, but they’re merciless. I had broken my leg skiing the previous winter— first time down the hill— and had received some money from a school insurance policy designed to reward unfortunate, clumsy children. I purchased a cassette recorder (a high- tech novelty at the time) with the proceeds. My dad suggested that I sit on the back lawn, record the wren’s song, play it back, and watch what happened. So, I went out into the bright spring sunlight and taped a few minutes of the wren laying furious claim to his territory with song. Then I let him hear his own voice. That little bird, one- third the size of a sparrow, began to dive- bomb me and my cassette recorder, swooping back and forth, inches from the speaker. We saw a lot of that sort of behaviour, even in the absence of the tape recorder. If a larger bird ever dared to sit and rest in any of the trees near our birdhouse there was a good chance he would get knocked off his perch by a kamikaze wren.

different than they were, and they appreciated having five shovels working rather than four. He no longer lived at home, but still spent a good portion of his rare free time with his family, especially on Sundays. His new residence was the room in the pump house that had been previously occupied by Horace Breedlove. Horace Breedlove hadn’t gone away as quietly as John Wittemore had hoped and after he was officially replaced a year later and sent back to the coal face eight hundred feet below the ground, he had more than once expressed his displeasure to Dylan when he caught him alone. That very real danger pushed Dylan into purchasing a Colt Baby Dragoon pistol two years ago. He kept the .31 caliber pistol in his jacket pocket which was usually in his office residence. He didn’t advertise that he had the five-shot revolver, but still managed to do quite a bit of practice with the gun inside the large pump house. Even with the engine shut down at night or on Sunday for maintenance, it was only quiet when Dylan wasn’t inside. The routine clanging and ringing easily disguised his gunfire. When it was time for their lunch break, Dylan and Bryn each took one of their mother’s sandwiches in hand, but rather than sit down, as they munched Dylan began giving his younger brother a tour of

Even among Goldman alumni, Steven Mnuchin has distinguished himself by his willingness to profit off misery. After the 2008 Wall Street collapse, and in the midst of the foreclosure crisis, Mnuchin purchased a California bank. The renamed company, OneWest, earned Mnuchin the nickname “Foreclosure King,” reportedly collecting $1.2 billion from the government to help cover the losses for foreclosed homes and evicting tens of thousands of people between 2009 and 2014.

LOOKING FOR THE KINGDOM The north shore of Kauai is one of the most beautiful places on earth, and the pastures above the cliffs overlooking Anini Beach are some of the last open lands in that paradise. From those verdant meadows you can look out on the whales and dolphins playing in the Pacific, watch the breakers roll in and crash over the reef below. It is an enchanting place that casts an Eden-like spell on even the most cynical tourist. A friend of ours has been advocating for the protection of those gorgeous meadows; he took us there last winter to see a view that may soon be available only to the very rich. The pastures have already been marked out for small five-acre “ranchettes,” each plot going for several million; add to that the home required by the development and the bill will run more than $20 million. “The young rich have discovered Kauai,” our friend told us. “Zuckerberg has a home here; so do the guys from Apple and Google. This is the place to be.” We stood there watching the gulls and frigate birds soaring on the warm updrafts, drinking in the beauty only money can apparently buy. It had been raining; a rainbow appeared over the lush cliffs to our right. The untouched beauty of the place feels like it has been held in time since the islands were formed; unblemished beauty. Forgetting what the promise means, my heart began to ache again for life as it was meant to be, and I started to scramble internally trying to figure out how we could grab our own little slice of Eden. “They are looking for the kingdom,” Stasi said. “They are trying to buy the kingdom.” And with that, the spell was broken. Suddenly the emptiness of it all became clear—not the longing for heaven on earth, but the grasping to buy it, to arrange for our piece of it apart from the palingenesia. Now, most of the human race doesn’t have the kind of money that allows them to purchase paradise—we sure don’t—but that doesn’t stop our ravenous hunger or desperate searching

Every person has short-term goals. Some are modest, such as setting aside money for a vacation next month or paying for medical bills. Other short-term goals are more ambitious, such as accruing funds for a down payment to purchase a new home within six months. Whatever the expense or purchase, you need a predictable accumulation of cash soon. If this sounds like your situation, stay away from the stock market!

The loop at the end of a fly line can be any of the following: • Just a 6-inch piece of monofilament nail knotted to the end of the line. You can do this yourself or ask a kindly fly shop employee to do it for you. • A fused loop, where the core of the line itself is permanently welded to itself at the factory. • Braided loops can also be purchased or made at home with a crochet hook. The hollow end opposite the loop is inserted over the end of the fly line, a piece of stretchy tubing is usually passed over the connection, and then the whole arrangement gets a tiny drop of superglue to hold it in place. Again, this can be put on by a knowledgeable fly shop employee, or you can try it yourself. • The strongest (but bulkiest) way to put a loop on the end of a fly line is to double over the last 2 inches of the line and then tie three tiny nail knots using 10-pound nylon over the line. These are usually only used on bigger saltwater lines where strength is valued over delicacy. And if you want one, I’d really recommend you ask an expert to do it for you until you get really comfortable with nail

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