Returning Clients Quotes

In fact this is precisely the logic on which the Bank of England—the first successful modern central bank—was originally founded. In 1694, a consortium of English bankers made a loan of £1,200,000 to the king. In return they received a royal monopoly on the issuance of banknotes. What this meant in practice was they had the right to advance IOUs for a portion of the money the king now owed them to any inhabitant of the kingdom willing to borrow from them, or willing to deposit their own money in the bank—in effect, to circulate or "monetize" the newly created royal debt. This was a great deal for the bankers (they got to charge the king 8 percent annual interest for the original loan and simultaneously charge interest on the same money to the clients who borrowed it) , but it only worked as long as the original loan remained outstanding. To this day, this loan has never been paid back. It cannot be. If it ever were, the entire monetary system of Great Britain would cease to exist.

Children make lousy clients. The lawyer becomes much more than a lawyer. With adults, you simply lay the pros and cons of each option on the table. You advise this way and that. You predict a little, but not much. Then you tell the adult it’s time for a decision and you leave the room for a bit. When you return, you are handed a decision and you run with it. Not so with kids. They don’t understand lawyerly advice. They want a hug and someone to make decisions. They’re scared and looking for friends.

there are only three ways to increase your business: 1. Increase the number of clients. 2. Increase the average size of the sale per client. 3. Increase the number of times clients return and buy again. Only

Coordination' occurred with astonishing speed, even in sectors of life not directly targeted by specific laws, as Germans willingly placed themselves under the sway of Nazi rule, a phenomenon that became known as Selbtsgleichschaltung, or 'self-coordination.' Change came to Germany so quickly and across such a wide front that German citizens who left the country for business or travel returned to find everything around them altered, as if they were characters in a horror movie who come back to find that people who once were their friends, clients, patients, and customers have become different in ways hard to discern.

So unworldly was he--or so capricious--that he frequently refused his help to the powerful and wealthy where the problem made no appeal to his sympathies, while he would devote weeks of most intense application to the affairs of some humble client whose case presented those strange and dramatic qualities which appealed to his imagination and challenged his ingenuity.

When all things are considered holistically, the best expected return on investment varies from client to client.

When emotions turn and stay sour, when thoughts become cynical and judgmental, good and compassionate treatment is on the line. Helpers who become sour and cynical tend to begrudge their high need clients for their neediness. There is a risk that helpers become too well-practiced at taking a bleak view of those they have avowed to assist. There is a temptation to begin to blame clients for their failure to improve. If treatment ends pre-maturely, with either a client never returning to treatment or a helper 'firing' them out of frustration, there is a tendency for the client to take the fall. Of course what we are talking about here are signs of burnout.

At Mayflower-Plymouth, we analyze global markets, analyze businesses and employ a range of strategies that emulate natural ecosystems to deliver holistic and industry-consistent investment returns. Our approach emphasizes preservation, steady compounding growth and steady returns for our capital partners and clients.

I would not tell this court that I do not hope that some time, when life and age have changed their bodies, as they do, and have changed their emotions, as they do -- that they may once more return to life. I would be the last person on earth to close the door of hope to any human being that lives, and least of all to my clients. But what have they to look forward to? Nothing. And I think here of the stanza of Housman: Now hollow fires burn out to black, And lights are fluttering low: Square your shoulders, lift your pack And leave your friends and go. O never fear, lads, naught’s to dread, Look not left nor right: In all the endless road you tread There’s nothing but the night. ...Here it Leopold’s father -- and this boy was the pride of his life. He watched him, he cared for him, he worked for him; the boy was brilliant and accomplished, he educated him, and he thought that fame and position awaited him, as it should have awaited. It is a hard thing for a father to see his life’s hopes crumble into dust. ...I know the future is with me, and what I stand for here; not merely for the lives of these two unfortunate lads, but for all boys and all girls; for all of the young, and as far as possible, for all of the old. I am pleading for life, understanding, charity, kindness, and the infinite mercy that considers all. I am pleading that we overcome cruelty with kindness and hatred with love. I know the future is on my side. Your Honor stands between the past and the future. You may hang these boys; you may hang them by the neck until they are dead. But in doing it you will turn your face toward the past... I am pleading for the future; I am pleading for a time when hatred and cruelty will not control the hearts of men. When we can learn by reason and judgment and understanding that all life is worth saving, and that mercy is the highest attribute of man. ...I am sure I do not need to tell this court, or to tell my friends that I would fight just as hard for the poor as for the rich. If I should succeed, my greatest reward and my greatest hope will be that... I have done something to help human understanding, to temper justice with mercy, to overcome hate with love. I was reading last night of the aspiration of the old Persian poet, Omar Khayyám. It appealed to me as the highest that I can vision. I wish it was in my heart, and I wish it was in the hearts of all: So I be written in the Book of Love, I do not care about that Book above. Erase my name or write it as you will, So I be written in the Book of Love.

Clients who understand the return on investment you offer will jump at the chance to work with you. To

In 2012, the American Dietetic Association changed its name to the Academy of Nutrition and Dietetics but didn’t appear to change its policies. It continues to take millions of dollars every year from processed junk food, meat, dairy, soda, and candy bar companies. In return, the academy lets them offer official educational seminars to teach dietitians what to say to their clients.64

When clients are hyperaroused or overwhelmed emotionally, voluntarily narrowing their field of consciousness allows them to assimilate a limited amount of incoming information, thereby optimizing the chance for successful integration. For example, as one client began to report her traumatic experience, her arousal escalated: Her heart started to race, she felt afraid and restless, and had trouble thinking. She was asked to stop talking and thinking about the trauma, to inhibit the images, thoughts, and emotions that were coming up, and orient instead to her physical sensation until her arousal returned to the window of tolerance. With the help of her therapist, she focused on her body and described how her legs felt, the phyisical feeling of anxiety in her chest, and the beating of her heart. These physical experiences gradually subsided, and only then was she encouraged to return to the narrative.

Why do we complain of Nature? She has shown herself kindly; life, if you know how to use it, is long. But one man is possessed by an avarice that is insatiable, another by a toilsome devotion to tasks that are useless; one man is besotted with wine, another is paralyzed by sloth; one man is exhausted by an ambition that always hangs upon the decision of others, another, driven on by the greed of the trader, is led over all lands and all seas by the hope of gain; some are tormented by a passion for war and are always either bent upon inflicting danger upon others or concerned about their own; some there are who are worn out by voluntary servitude in a thankless attendance upon the great; many are kept busy either in the pursuit of other men's fortune or in complaining of their own; many, following no fixed aim, shifting and inconstant and dissatisfied, are plunged by their fickleness into plans that are ever new; some have no fixed principle by which to direct their course, but Fate takes them unawares while they loll and yawn—so surely does it happen that I cannot doubt the truth of that utterance which the greatest of poets delivered with all the seeming of an oracle: "The part of life we really live is small."5 For all the rest of existence is not life, but merely time. Vices beset us and surround us on every side, and they do not permit us to rise anew and lift up our eyes for the discernment of truth, but they keep us down when once they have overwhelmed us and we are chained to lust. Their victims are never allowed to return to their true selves; if ever they chance to find some release, like the waters of the deep sea which continue to heave even after the storm is past, they are tossed about, and no rest from their lusts abides. Think you that I am speaking of the wretches whose evils are admitted? Look at those whose prosperity men flock to behold; they are smothered by their blessings. To how many are riches a burden! From how many do eloquence and the daily straining to display their powers draw forth blood! How many are pale from constant pleasures! To how many does the throng of clients that crowd about them leave no freedom! In short, run through the list of all these men from the lowest to the highest—this man desires an advocate,6 this one answers the call, that one is on trial, that one defends him, that one gives sentence; no one asserts his claim to himself, everyone is wasted for the sake of another. Ask about the men whose names are known by heart, and you will see that these are the marks that distinguish them: A cultivates B and B cultivates C; no one is his own master. And then certain men show the most senseless indignation—they complain of the insolence of their superiors, because they were too busy to see them when they wished an audience! But can anyone have the hardihood to complain of the pride of another when he himself has no time to attend to himself? After all, no matter who you are, the great man does sometimes look toward you even if his face is insolent, he does sometimes condescend to listen to your words, he permits you to appear at his side; but you never deign to look upon yourself, to give ear to yourself. There is no reason, therefore, to count anyone in debt for such services, seeing that, when you performed them, you had no wish for another's company, but could not endure your own.

Since you enjoyed fucking with me so much, I figured I’d return the favor. Oh, and, Dante? Touch Stella again, and you’ll no longer have a fiancée.” I slammed the door in his face. Dante was my first client and an old friend. I didn’t provoke him often. But like I said, I didn’t like people touching what was mine.

There were hierarchies within the free citizen population too. One clause draws a distinction between patricians and plebeians, another between assidui (men of property) and proletarii (those without property – whose contribution to the city was the production of offspring, proles). Another refers to ‘patrons’ and ‘clients’ and to a relationship of dependency and mutual obligation between richer and poorer citizens that remained important throughout Roman history. The basic principle was that the client depended on his patron for protection and assistance, financial and otherwise, in return for a variety of services rendered, including votes in elections.

He lowered the magazine. “Archie. You may remember that I once returned a retainer of forty thousand dollars which a client named Zimmermann had paid me, because he wanted to tell me how to handle his case instead of leaving it to me. Well?” He lifted the magazine. He lowered it again. “Please type the report.” He lifted it again.

I gave myself a few days back at home before going in to see my clients again. It was hard at first. And it stayed hard for months. To sit there quietly, hands folded in my lap, listening to them elaborate on their troubles. An old impatience returned, the kind I had experienced when I started as a therapist: the urge to search for the moments in their past that contained the key to liberating them in the present. That's why I used to do, press for more and more family history, excusing it to myself as interest and attention, when really it was a distraction from the suffering in front of me, a desire to find the passage of experience that would explain their pain away. What good plot didn't offer that? A meaning sufficient to account for the events. But as time went on, I realized that my clients' lives weren't works of art. They told themselves stories all the time, but the stories trailed off, got forgetting, and then repeated - distractions themselves, oftentimes, from the feelings they were somewhere taught would damn them or wreck them. It had taken me a long time to see how strong this desire for an answer was. I had to train myself to notice how it arose, and how to put it aside. Because if all I did was scour what a person said to me each week for clues, I wouldn't do her much good. I had to give up my own need to cure if I was going to stand any chance of shepherding her toward acceptance of who she already was. I never did that for Michael. I never gave up my belief in a secret, a truth lodged in the past, which if he could only experience and accept would release him.

No, Captain Lombard, the matter rests there. It is understood by my client that your reputation is that of a good man in a tight place. I am empowered to hand you one hundred guineas in return for which you will travel to Sticklehaven, Devon. The nearest station is Oakbridge, you will be met there and motored to Sticklehaven where a motor launch will convey you to Soldier Island. There you will hold yourself at the disposal of my client.” Lombard

Ethan, it’s eleven o’clock. The client will love this. No one will be able to absorb more than you have here. Call it a day. Don’t boil the ocean.” We shared a cab home. “Don’t boil the ocean” means don’t try to analyze everything. Be selective; figure out the priorities of what you are doing. Know when you have done enough, then stop. Otherwise, you will spend a lot of time and effort for very little return, like boiling the ocean to get a handful of salt.

Esmé Weijun Wang writes in The Collected Schizophrenias about speaking to medical professionals about her experiences with schizophrenia. A doctor approached her to thank her afterward, but what she said shows how many able-bodied people don’t treat or see disabled people as human: She said that she was grateful for this reminder that her patients are human too. She starts out with such hope, she said, every time a new patient comes—and then they relapse and return, relapse and return. The clients, or patients, exhibit their illness in ways that prevent them from seeming like people who can dream, or like people who can have others dream for them. Disabled voices like Wang’s and others are needed to change the narratives around disability—to insist on disabled people’s humanity and complexity, to resist inspiration porn, to challenge the binary that says disabled bodies and lives are less important or tragic or that they have value only if they can be fixed or be cured or be made productive.

Coordination” occurred with astonishing speed, even in sectors of life not directly targeted by specific laws, as Germans willingly placed themselves under the sway of Nazi rule, a phenomenon that became known as Selbstgleichschaltung, or “self-coordination.” Change came to Germany so quickly and across such a wide front that German citizens who left the country for business or travel returned to find everything around them altered, as if they were characters in a horror movie who come back to find that people who once were their friends, clients, patients, and customers have become different in ways hard to discern.

In late July, Boukreev obtained his copy of the Krakauer article . . . Boukreev and Adams listened as the article was read aloud. When Krakauer referred to him, Boukreev leaned forward, trying to understand the words and their meaning: 'Boukreev had returned to Camp IV at 4:30 p.m., before the brunt of the storm, having rushed down from the summit without waiting for clients--extremely questionable behavior for a guide. Boukreev looked around the table, wondering if the people around him had heard the words as he had. 'Scott authorized my going down, to be ready to go back up. This was the plan. It worked. I don't understand why he would write this.' As Krakauer's article continued, he implied that had Boukreev descended with clients, they might not have had the problems they did coming down, and that suggestion was devastating. 'I had no idea that the weather was a potential problem until I was well down the mountain. My concern, as was Scott's, was that the climbers' oxygen supplies were going to run out. I did the job Scott wanted me to do. If I had been farther up the mountain when the full force of the storm hit, I think it is likely I would have died with the clients. I honestly do. I am not a superman. In that weather, we all could possibly have died.

But something changed in the 1980s, when Wall Street itself went from being a service industry - lucrative and powerful but still client centered and partner-oriented - to being an industry in its own right. Then, no longer tethered by the risk to their own money, these newly flush public companies, and many private ones that benefited from the efflorescence of money in the frothy public markets, started to think of themselves as product makers and profit centers in their own right. They started to expect excessive returns and outsized compensation, and they took on levels of risk that in time came to imperil the whole system because they were without fear of substantial personal loss.

Goldman Sachs hoards rice, wheat, corn, sugar and livestock and jacks up commodity prices around the globe so that poor families can no longer afford basic staples and literally starve. Goldman Sachs is able to carry out its malfeasance at home and in global markets because it has former officials filtered throughout the government and lavishly funds compliant politicians—including Barack Obama, who received $1 million from employees at Goldman Sachs in 2008 when he ran for president. These politicians, in return, permit Goldman Sachs to ignore security laws that under a functioning judiciary system would see the firm indicted for felony fraud. Or, as in the case of Bill Clinton, these politicians pass laws such as the 2000 Commodity Futures Modernization Act that effectively removed all oversight and outside control over the speculation in commodities, one of the major reasons food prices have soared. In 2008 and again in 2010 prices for crops such as rice, wheat and corn doubled and even tripled, making life precarious for hundreds of millions of people. And it was all done so a few corporate oligarchs, the 1 percent, could make personal fortunes in the tens and hundreds of millions of dollars. Despite a damning 650-page Senate subcommittee investigation report, no individual at Goldman Sachs has been indicted, although the report accuses Goldman of defrauding its clients.319

I always return others’ energies to their higher selves or pass it to the Divine to hand back, instead of directly sending it back to the others. I learned this lesson the hard way. I once had a client who had been suicidal for decades. We determined that her father’s death wish had entered into her own system through her physical energetic field. We returned this wish to her father energetically, and he committed suicide the next day. As a healer, I now send energy only through higher channels, so it will produce loving, rather than acute, effects. I ask the Divine to link each person involved to his or her own healing stream of grace (as introduced on page 65). Healing streams of grace surround and emanate from everyone. They are, essentially, energetic strands of love. The very fact that these exist means that we don’t have to earn this grace/love, but only to allow it. Healing your energy boundaries requires only that you connect yourself to the healing stream intended for you; healing others or keeping them from penetrating your boundaries invites them to access their own healing streams of grace. I then ask the Divine to lift the negative or intrusive energy from my client and return it to the other’s higher self. This process works for illnesses, death wishes, curses, cords, entity release, and all other concerns. Finally, I ask that my client receive the healing needed for both his or her body and physical energetic boundary.

We may not like to think of it when we say -it is more blessed to give than to receive-, but it is the giving that creates dominance. As Marcel Mauss reminds us: - To give is to show one’s superiority, to show that one is something more and higher, that one is magister. To accept without returning or repaying more is to face subordination, to become a client and subservient, to become minister. – The archetypal minister is the child, who cannot repay what he or she receives, at least not until much later if ever. Thus, if nurturance is linked to dominance, receiving is linked to submission. These elementary facts of human life must surely be kept in mind as we consider the relation between gods and men, rulers and people, in hierarchical societies.

The Montreux Palace Hotel was built in an age when it was thought that things would last. It is on the very shores of Switzerland's Lake Geneva, its balconies and iron railings look across the water, its yellow-ocher awnings are a touch of color in the winter light. It is like a great sanitarium or museum. There are Bechstein pianos in the public rooms, a private silver collection, a Salon de Bridge. This is the hotel where the novelist Vladimir Vladimirovich Nabokov and his wife, Véra, live. They have been here for 14 years. One imagines his large and brooding reflection in the polished glass of bookcases near the reception desk where there are bound volumes of the Illustrated London News from the year 1849 to 1887, copies of Great Expectations, The Chess Games of Greco and a book called Things Past, by the Duchess of Sermoneta. Though old, the hotel is marvelously kept up and, in certain portions, even modernized. Its business now is mainly conventions and, in the summer, tours, but there is still a thin migration of old clients, ancient couples and remnants of families who ask for certain rooms when they come and sometimes certain maids. For Nabokov, a man who rode as a child on the great European express trains, who had private tutors, estates, and inherited millions which disappeared in the Russian revolution, this is a return to his sources. It is a place to retire to, with Visconti's Mahler and the long-dead figures of La Belle Epoque, Edward VII, d'Annunzio, the munitions kings, where all stroll by the lake and play miniature golf, home at last.

Most people have heard of Mahatma Gandhi, the man who led India to independence from British rule. His life has been memorialized in books and film, and he is regarded as one of the great men in history. But did you know Gandhi did not start out as a great hero? He was born into a middle-class family. He had low self-esteem, and that made him reluctant to interact with others. He wasn’t a very good student, either, and he struggled just to finish high school. His first attempt at higher education ended in five months. His parents decided to send him to England to finish his education, hoping the new environment would motivate him. Gandhi became a lawyer. The problem when he returned to India was that he didn’t know much about Indian law and had trouble finding clients. So he migrated to South Africa and got a job as a clerk. Gandhi’s life changed one day while riding on a train in South Africa in the first-class section. Because of his dark skin, he was forced to move to a freight car. He refused, and they kicked him off the train. It was then he realized he was afraid of challenging authority, but that he suddenly wanted to help others overcome discrimination if he could. He created a new vision for himself that had value and purpose. He saw value in helping people free themselves from discrimination and injustice. He discovered purpose in life where none had existed previously, and that sense of purpose pulled him forward and motivated him to do what best-selling author and motivational speaker Andy Andrews calls “persist without exception.” His purpose and value turned him into the winner he was born to be,

Even some of his commissions that were completed, or almost so—Ginevra de’ Benci and the Mona Lisa, for example—were never delivered to clients. Leonardo clung to his favorite works, carried them with him when he moved, and returned to them when he had new ideas. He certainly did that with the Saint Jerome, and he may have planned to do the same with the Adoration of the Magi, which he entrusted to Ginevra’s brother for safekeeping but never sold or gave away. He did not like to let go. That is why he would die with some of his masterpieces still near his bedside. As frustrating as it is to us today, there was a poignant and inspiring aspect to Leonardo’s unwillingness to declare a painting done and relinquish it: he knew that there was always more he might learn, new techniques he might master, and further inspirations that might strike him. And he was right.

A large brand will typically spend between 10 and 20 percent of their media buy on creative,” DeJulio explains. “So if they have a $500 million media budget, there’s somewhere between $50 to $100 million going toward creating content. For that money they’ll get seven to ten pieces of content, but not right away. If you’re going to spend $1 million on one piece of content, it’s going to take a long time—six months, nine months, a year—to fully develop. With this budget and timeline, brands have no margin to take chances creatively.” By contrast, the Tongal process: If a brand wants to crowdsource a commercial, the first step is to put up a purse—anywhere from $50,000 to $200,000. Then, Tongal breaks the project into three phases: ideation, production, and distribution, allowing creatives with different specialties (writing, directing, animating, acting, social media promotion, and so on) to focus on what they do best. In the first competition—the ideation phase—a client creates a brief describing its objective. Tongal members read the brief and submit their best ideas in 500 characters (about three tweets). Customers then pick a small number of ideas they like and pay a small portion of the purse to these winners. Next up is production, where directors select one of the winning concepts and submit their take. Another round of winners are selected and these folks are given the time and money to crank out their vision. But this phase is not just limited to these few winning directors. Tongal also allows anyone to submit a wild card video. Finally, sponsors select their favorite video (or videos), the winning directors get paid, and the winning videos get released to the world. Compared to the seven to ten pieces of content the traditional process produces, Tongal competitions generate an average of 422 concepts in the idea phase, followed by an average of 20 to 100 finished video pieces in the video production phase. That is a huge return for the invested dollars and time.

As I finished my rice, I sketched out the plot of a pornographic adventure film called The Massage Room. Sirien, a young girl from northern Thailand, falls hopelessly in love with Bob, an American student who winds up in the massage parlor by accident, dragged there by his buddies after a fatefully boozy evening. Bob doesn't touch her, he's happy just to look at her with his lovely, pale-blue eyes and tell her about his hometown - in North Carolina, or somewhere like that. They see each other several more times, whenever Sirien isn't working, but, sadly, Bob must leave to finish his senior year at Yale. Ellipsis. Sirien waits expectantly while continuing to satisfy the needs of her numerous clients. Though pure at heart, she fervently jerks off and sucks paunchy, mustached Frenchmen (supporting role for Gerard Jugnot), corpulent, bald Germans (supporting role for some German actor). Finally, Bob returns and tries to free her from her hell - but the Chinese mafia doesn't see things in quite the same light. Bob persuades the American ambassador and the president of some humanitarian organization opposed to the exploitation of young girls to intervene (supporting role for Jane Fonda). What with the Chinese mafia (hint at the Triads) and the collusion of Thai generals (political angle, appeal to democratic values), there would be a lot of fight scenes and chase sequences through the streets of Bangkok. At the end of the day, Bob carries her off. But in the penultimate scene, Sirien gives, for the first time, an honest account of the extent of her sexual experience. All the cocks she has sucked as a humble massage parlor employee, she has sucked in the anticipation, in the hope of sucking Bob's cock, into which all the others were subsumed - well, I'd have to work on the dialogue. Cross fade between the two rivers (the Chao Phraya, the Delaware). Closing credits. For the European market, I already had line in mind, along the lines of "If you liked The Music Room, you'll love The Massage Room.

Yes! Yes!” she cried. “Like a library! We could put a system in place where they borrow books. And they return them, we could have cards as well. Oh my God! Why didn’t I think of it before?” “Why would they borrow books from us when there are so many book shops around?” “Yes, but they’re shops, where they would have to pay for the books. They could borrow from us though … Think of how many people don’t have time to read these days. They’ve probably forgotten that reading is the thing missing from their lives. We could remind them, and reacquaint them with the magic of books. They get their hair done and they have some adventure or romance as well. It makes sense.” “So, tell me … Would we also have a sign that says “Quiet, please”? Would we have to tone down the music or completely turn it off? And would the other clients who don’t feel like reading have to keep their mouths shut? Perhaps we would have to wait for them to finish their chapter before we could even turn on the taps or the hairdryer …

longer; it cannot deceive them too much." Madame Defarge looked superciliously at the client, and nodded in confirmation. "As to you," said she, "you would shout and shed tears for anything, if it made a show and a noise. Say! Would you not?" "Truly, madame, I think so. For the moment." "If you were shown a great heap of dolls, and were set upon them to pluck them to pieces and despoil them for your own advantage, you would pick out the richest and gayest. Say! Would you not?" "Truly yes, madame." "Yes. And if you were shown a flock of birds, unable to fly, and were set upon them to strip them of their feathers for your own advantage, you would set upon the birds of the finest feathers; would you not?" "It is true, madame." "You have seen both dolls and birds to-day," said Madame Defarge, with a wave of her hand towards the place where they had last been apparent; "now, go home!" XVI. Still Knitting Madame Defarge and monsieur her husband returned amicably to the bosom of Saint Antoine, while a speck in a blue cap toiled through the darkness, and through the dust, and down the weary miles of avenue by the wayside, slowly tending towards that point of the compass where the chateau of Monsieur the Marquis, now in his grave, listened to the whispering trees. Such ample leisure had the stone faces, now, for listening to the trees and to the fountain, that the few village scarecrows who, in their quest for herbs to eat and fragments of dead stick to burn, strayed within sight of the great stone courtyard and terrace staircase, had it borne in upon their starved fancy that the expression of the faces was altered. A rumour just lived in the village—had a faint and bare existence there, as its people had—that when the knife struck home, the faces changed, from faces of pride to faces of anger and pain; also, that when that dangling figure was hauled up forty feet above the fountain, they changed again, and bore a cruel look of being avenged, which they would henceforth bear for ever. In the stone face over the great window of the bed-chamber where the murder was done, two fine dints were pointed out in the sculptured nose, which everybody recognised, and which nobody had seen of old; and on the scarce occasions when two or three ragged peasants emerged from the crowd to take a hurried peep at Monsieur the Marquis petrified, a skinny finger would not have pointed to it for a minute, before they all started away among the moss and leaves, like the more fortunate hares who could find a living there. Chateau and hut, stone face and dangling figure, the red stain on the stone floor, and the pure water in the village well—thousands of acres of land—a whole province of France—all France itself—lay under the night sky, concentrated into a faint hair-breadth line. So does a whole world, with all its greatnesses and littlenesses, lie in a twinkling star. And as mere human knowledge can split a ray of light and analyse the manner of its composition, so, sublimer intelligences may read in the feeble shining of this earth of ours, every thought and act, every vice and virtue, of every responsible

IT WAS three days after the satisfactory resolution of the Patel case. Mma Ramotswe had put in her bill for two thousand pula, plus expenses, and had been paid by return of post. This astonished her. She could not believe that she would be paid such a sum without protest, and the readiness, and apparent cheerfulness with which Mr Patel had settled the bill induced pangs of guilt over the sheer size of the fee. It was curious how some people had a highly developed sense of guilt, she thought, while others had none. Some people would agonise over minor slips or mistakes on their part, while others would feel quite unmoved by their own gross acts of betrayal or dishonesty. Mma Pekwane fell into the former category, thought Mma Ramotswe. Note Mokoti fell into the latter. Mma Pekwane had seemed anxious when she had come into the office of the No. 1 Ladies’ Detective Agency. Mma Ramotswe had given her a strong cup of bush tea, as she always did with nervous clients, and had waited for her to be ready to speak. She was anxious about a man, she thought; there were all the signs. What would it be? Some piece of masculine bad behaviour, of course, but what? “I’m worried that my husband

Tina returns from the bathroom and climbs into bed with a question in her eye. "I want to talk you about something." I get worried, but I try not to show it. "I have a number of questions that I want to ask you. I feel like you are the only person that I can ask these questions. Do you mind?" "No, I don't mind. Go ahead." "Do you think that escorts are more health-conscious than most girls? Do you think that they get tested more regularly for STDs, and that they are more careful, for example, as in using condoms?” "I definitely think that they are." "Why do you think that?" "The girls that I see all tell me that they get tested anywhere from every month to every three months. They always use condoms, that is, unless they trust the guy and they know that he gets tested regularly. All these girls know how to do a dick check and they screen their clients before meeting them. Therefore, I would say that the escorts that I have met are all much more health conscious than amateurs are." "Do you get tested regularly?" "I've told my MD that I see girls and he orders tests for me every three months, or at least twice a year at a minimum." "I would like to dispel some of the myths about escorts.

ESTABLISH STABLE ANCHORS OF ATTENTION Mindfulness meditation typically involves something known as an anchor of attention—a neutral reference point that helps support mental stability. An anchor might be the sensation of our breath coming in and out of the nostrils, or the rising and falling of our abdomen. When we become lost in thought during practice, we can return to our anchor, fixing our attention on the stimuli we’ve chosen. But anchors can also intensify trauma. The breath, for instance, is far from neutral for many survivors. It’s an area of the body that can hold tension related to a trauma and connect to overwhelming, life-threatening events. When Dylan paid attention to the rising and falling of his abdomen, he would be swamped with memories of mocking faces while walking down the hallway. Other times, feeling a constriction of his breath in the chest echoed a feeling of immobility, which was a traumatic reminder. For Dylan, the breath simply wasn’t a neutral anchor. As a remedy, we can encourage survivors to establish stabilizing anchors of attention. This means finding a focus of attention that supports one’s window of tolerance—creating stability in the nervous system as opposed to dysregulation. Each person’s anchor will vary: for some, it could be the sensations of their hands resting on their thighs, or their buttocks on the cushion. Other stabilizing anchors might include another sense altogether, such as hearing or sight. When Dylan and I worked together, it took a while until he could find a part of his body that didn’t make him more agitated. He eventually found that the sense of hearing was a neutral anchor of attention. At my office, he’d listen for the sound of the birds or the traffic outside, which he found to be stabilizing. “It’s subtle,” he said to me, opening his eyes and rubbing the back of his neck with his hand. “But it is a lot less charged. I’m not getting riled up the same way, which is a huge relief.” In sessions together, Dylan’s anchor was a spot he’d rest his attention on at the beginning of a session or a place to return to if he felt overwhelmed. If he practiced meditation at home—I’d recommended short periods if he could stay in his window of tolerance—he used hearing as an anchor, or “home base” as he called it. “I finally feel like I can access a kind of refuge,” he said quietly, placing his hand on his belly. “My body hasn’t felt safe in so long. It’s a relief to finally feel like I’m learning how to be in here.” Anchors of attention you can offer students and clients practicing mindfulness—besides the sensation of the breath in the abdomen or nostrils—include different physical sensations (feet, buttocks, back, hands) and other senses (seeing, smelling, hearing). One client of mine had a soft blanket that she would touch slowly as an anchor. Another used a candle. For some, walking meditation is a great way to develop more stable anchors of attention, such as the feeling of one’s feet on the ground—whatever supports stability and one’s window of tolerance. Experimentation is key. Using subtler anchors does come with benefits and drawbacks. One advantage to working with the breath is that it is dynamic and tends to hold our attention more easily. When we work with a sense that’s less tactile—hearing, for instance—we may be more prone to drifting off into distraction. The more tangible the anchor, the easier it is to return to it when attention wanders.

But Green returns to the most important way that Christianity spread — through the extended household (oikos) evangelism done informally by Christians. A person’s strongest relationships were within the household — with blood relatives, servants, clients, and friends — so when a person became a Christian, it was in the household that he or she would get the most serious hearing.8 If the head of the household (Greek, oikos) became a believer, the entire home became a ministry center in which the gospel was taught to all the household’s members and neighbors. We see this in Acts 16:15, 32–34 (Lydia’s and the jailer’s homes in Philippi); Acts 17:5 (Jason’s home in Thessalonica); Acts 18:7 (Titius Justus’s home in Corinth); Acts 21:8 (Philip’s home in Caesarea); and 1 Corinthians 1:16; 16:15 (Stephanas’s home in Corinth). The home could be used for systematic teaching and instruction (Acts 5:42), planned presentations of the gospel to friends and neighbors (Acts 10:22), prayer meetings (Acts 12:12), impromptu evangelistic gatherings (Acts 16:32), follow-up sessions with the inquirers (Acts 18:26), evenings devoted to instruction and prayer (Acts 20:7), and fellowship (Acts 21:7).

So what do you do for a living?” Ellie asked Braydon. I though she knew Bray was a model, or maybe she was just trying to make polite conversation. “Gynacologist,” he answered with a completely straight face. “You?” “Proctologist,” Ellie returned, meeting his gaze without so much as blinking. “Sweet. If I ever need my ass looked at, I know who to call.” She frowned. “I’m not taking on her clients.” “That’s a damn shame. If you need me to examine you, just let me know. I’m extremely gentle. Vaginas love me.

Mr Locke...took a long, slender pick from the unrolled bag and, bending over slightly, inserted it into the lock. It was a steel-cased lock with a smooth, brass knob of around three inches wide and a brass plate around the singular keyhole. Mounted into the door frame was another steel fixture, forming the second half of the lock. Recognising the type of lock, Percy knew the key’s function was to throw the lock’s bolt into dead lock, thus securing the door. Such a design would also include an internal, smaller knob sliding back and forth, drawing back the bolt. A snib, jutting out from the case on the internal side of the door, could be compressed to keep the bolt in an open position, thus allowing one to open and close the door freely. “Do be so kind as to keep an eye out for the return of our friend the constable.” Locke pulled his pocket watch out with his other hand to glance upon it. “We have nine minutes.” “This is breaking and entering!” Mr Maxwell cried, hurrying up the steps. “Miss Trent said such was forbidden by the Society.” “Unless there is a sufficiently justifiable reason for doing so,” Mr Locke replied, inserting a second pick into the lower half of the lock. “The welfare of our client is a sufficiently justifiable reason; do you not think so, Mr Maxwell?” “His welfare?” Mr Maxwell enquired, confused. Miss Dexter, wholly fascinated by what the illusionist was doing, stepped closer still. She softly enquired, “Do you suspect some harm may have come to Mr Dorsey, Mr Locke?” “I do not know but Mr Colby was very keen we should not speak with him. Furthermore, Miss Trent’s note stated her telephone conversation with Mr Dorsey was abruptly ended, by him, when another—angry—voice spoke,” Mr Locke explained. There was a sharp click as the bolt sprang back into the lock’s casing. Mr Locke smiled broadly. “Our constable friend is back.” Mr Maxwell looked panic sticken. “It’s only been a minute.” “Ah, that will be the Bow Street police station,” Locke replied as he turned the door knob. “Also, they tend to keep a closer eye upon the more affluent residences; greater targets for thieves, you know,” Mr Locke stated as he pushed the door open and ushered both Mr Maxwell and Miss Dexter inside. He’d just closed the door, after slipping in himself, when the constable reached the bottom of the steps and peered up at the porch. Mr Locke stood to the side of the door and watched as the constable, seemingly satisfied all was well, walked away. A glance down at the internal part of the lock confirmed Mr Locke’s earlier assumptions about it. His slender hand slid the smaller brass knob along to lock the bolt in place once more.

Firstly, Inspector,” Miss Trent interrupted. “The safety of the Society’s members is paramount to me. Secondly, I have the utmost trust in Lady Owston and Mr Locke. They would’ve intervened had Miss Webster not returned when expected. Therefore, your accusations are without foundation. They are also symptomatic of your categorical hatred of the Bow Street Society, and of what we are trying to do.” “Which is what, exactly?” “Ensuring justice is served for those who ask for it.” “And putting your members’ lives at risk in the process!” “Enough, Inspector!” Miss Trent stood and glared down at him. In a heartbeat, he, too, was on his feet. Towering over her five feet seven inches with his six feet four, he bellowed, “You will listen to me, Miss Trent, and you will listen carefully!” Miss Trent put her hand on her hip but remained silent. “If you and your Society insist on facing danger unnecessarily, you will do so under my terms. You will give me a full list of your members so I, and the Metropolitan Police, can stop them from being murdered, attacked, and robbed. Try to justify what you do as much as you like, Miss Trent, but, at the end of the day, you are all just bloody civilians playing at a copper’s game!” “And yet, we are the ones people look to when the police refuse to help them,” Miss Trent retorted as she stepped closer to the desk. Leaning forward, so their faces were mere inches apart, she went on, “Not every case we investigate is a crime, Inspector, and our clients expect discretion with the confidences they grant us.

Tax-Deferred does not mean Tax-Free It never ceases to amaze me when I meet with people who do not know that tax-deferred does not mean tax-free. You mean I have to pay taxes when I take this money!? This is not all mine!? These are common remarks I hear as we are looking at their most recent retirement account statement. Somehow this consideration was missed when they enrolled in the savings plan and each year when they postponed the tax when filing their tax return. I am not a tax professional but I can understand how an accountant or tax preparer wouldn’t think to make sure the client understands that they are postponing taxes and the tax calculation during their working years. I met an accountant that expressed how difficult it is when he gets the client that believed they were ready to leave work only to find out that because of taxes they are coming up a little or a lot short. This happened to one of my relatives that worked at least 30 years as an x-ray technician and then supervisor at a very large hospital. While working, they always had the nice houses, the nice cars, and a nice upper-middle class lifestyle, nothing fancy. After he retired and even though his wife still worked as a school principal, he had to take a sales clerk job at a nearby liquor store so that his family could maintain their lifestyle. I will never forget other relatives joking and laughing about him miscalculating his retirement. I’m certain that his unsuccessful retirement and that of other relatives influenced my interest in retirement planning if for no one else but me. With a limited amount of retirement income, most retirees would prefer to keep their dollars rather than give them to Uncle Sam. Even those with an unlimited source of funds don’t want to pay more taxes than necessary. Fortunately, there are some ways to decrease your tax burden once you’ve done the obvious work of ensuring you’ve taken all the deductions and credits to which you’re entitled when you file your taxes.

Premium Pricing Improves Commitment We never want our clients to be in situations where it is easy for them to decide to not take our advice. Any time someone hires an outside expert, the ultimate outcome he seeks is to move forward with confidence. What is the value of good advice not acted upon? Yes, it is our job to tell him what to do, but that is often the easy part. We are equally obliged to give him the strength to do it. We are not meeting our full obligations to our clients when we make recommendations that they find easy to ignore. The price we charge for such guidance should be enough that our clients feel compelled to act, lest they experience a profound sense of wasted resources. There must be the appropriate amount of pain associated with our pricing. This implies the need for our pricing to change as the size of the client changes. Larger organizations need to pay more to ensure their commitment. Larger Clients Get Greater Value Another reason larger clients must pay more is they derive greater financial value from similar work we would do for smaller organizations. To charge John Doe Chevrolet what we would charge General Motors for the same work would be irresponsible of us. The larger client pays more to ensure his commitment to solving his problem and to ensure his commitment to working with us – and he pays more because we are delivering a service that has a greater dollar value to him. Reinvesting in Ourselves Of all the investment opportunities we will face in our lives, few will yield returns greater than those opportunities to invest in ourselves. Price premiums give us the profit to reinvest in our people, our enterprise and ourselves. The corporations that we most admire are the ones that invest in research and development. We must follow their path. While others get by on slim margins, winning on price, we will use some of our greater profit margins to better ourselves and put greater distance between our competition and us. Better Margins Equal Better Firms and Better Clients On these many levels, charging more improves our ability to help our clients and increases the likelihood that we will deliver high-quality outcomes. It allows us to select the best clients – those that we are most able to help. Like leaning into the discomfort of money conversations, charging more might not come naturally or seem easy, but it is better for everyone, including the client, and so this too we shall learn to do with confidence.

narrow his eyes. But his face changed in the subtlest of ways — it was as if his cheekbones had become more prominent, and his eyes turned cold. It was enough for her to know for sure that she would never want to be questioned by this man for a crime — whether she was guilty or innocent. It also made him more intriguing. As a result of her self-enforced eviction Leo wasn’t quite sure what to do with herself, until she remembered that the wine bar opened early to serve breakfast. Maybe she could set up her office there for an hour or so. She had calls to make and meetings to set up for next week. A few of her clients were going on family holidays this week, and she had a dreadful suspicion that on their return they might be in need of urgent appointments. Unhappy relationships and holidays were not often a good match. Ordering an almond croissant and the ubiquitous cappuccino, she settled down in the corner away from other customers so that she wouldn’t disturb them by speaking on the

With means, if more than a little diminished means, of his own Ethan had done what his father before him, likewise a lawyer, had done, and had once in days past counselled him to do before it was too late, before this might spell an irrevocable retirement. He made a Retreat. (To be sure he had not been bidden so far afield as had his father, who’d spent the last year of peace before the First World War as a legal adviser on international cotton law in Czarist Russia, whence he brought back to his young son in Wales, or so he announced, lifting it whole out of a mysterious deep-Christmas-smelling wooden box, a beautiful toy model of Moscow; a city of tiny magical gold domes, pumpkin- or Christmas-bell-shaped, sparkling with Christmas tinsel-scented snow, bright as new silver half-crowns, and of minuscule Byzantine chimes; and at whose miniature frozen street corners waited minute sleighs, in which Ethan had imagined years later lilliputian Tchitchikovs brooding, or corners where lurked snow-bound Raskolnikovs, their hands stayed from murder evermore: much later still he was to become unsure whether the city, sprouting with snow-freaked onions after all, was intended to be Moscow or St. Petersburg, for part of it seemed in memory built on little piles in the water, like Eridanus; the city coming out of the box he was certain was magic too—for he had never seen it again after that evening of his father’s return, in a strange astrakhan-collared coat and Russian fur cap—the box that was always to be associated also with his mother’s death, which had occurred shortly thereafter; the magic bulbar city going back into the magic scented box forever, and himself too afraid of his father to ask him about it later—though how beautiful for years to him was the word city, the carilloning word city in the Christmas hymn, Once in Royal David’s City, and the tumultuous angel-winged city that was Bunyan’s celestial city; beautiful, that was, until he saw a city—it was London—for the first time, sullen, in fog, and bloodshot as if with the fires of hell, and he had never to this day seen Moscow—so that while this remained in his memory as nearly the only kind action he could recall on the part of either of his parents, if not nearly the only happy memory of his entire childhood, he was constrained to believe the gift had actually been intended for someone else, probably for the son of one of his father’s clients: no, to be sure he hadn’t wandered as far afield as Moscow; nor had he, like his younger brother Gwyn, wanting to go to Newfoundland, set out, because he couldn’t find another ship, recklessly for Archangel; he had not gone into the desert nor to sea himself again or entered a monastery, and moreover he’d taken his wife with him; but retreat it was just the same.)

Bishops and cardinals were among the very best clients of ‘usurers’. That is not surprising since nearly everyone holding an elite Church position had purchased his office as an investment, anticipating a substantial return from Church revenues.

Monogamy operates differently at different levels of differentiation. I didn’t know this until I saw it with my clients. We think of monogamy as an ironclad agreement containing no ifs, ands, or buts. But it is really a complex system with rules and dynamics of its own. Differentiation changes monogamy by returning genital ownership to each partner. Emotional Siamese twins act as if their partner’s genitals are communal property.

Here are some other items you can include on your Project Completion Checklist. I encourage you to personalize it for your own needs: Answer postmortem questions: What did you learn? What did you do well? What could you have done better? What can you improve for next time? Communicate with stakeholders: Notify your manager, colleagues, clients, customers, shareholders, contractors, etc., that the project is complete and what the outcomes were. Evaluate success criteria: Were the objectives of the project achieved? Why or why not? What was the return on investment? Officially close out the project and celebrate: Send any last emails, invoices, receipts, feedback forms, or documents, and celebrate your accomplishments with your team or collaborators so you receive the feeling of fulfillment for all the effort you put in.

Brownies in Ernakulam One of Ernakulam's best bakeries, Rising Loaf, provides handcrafted premium made-to-order baked treats that are free of preservatives and additives. Custom cakes, delicacies, and gourmet sweets are available. Our blends are one-of-a-kind because they mix a great deal of skill and expertise with natural baking ingredients to provide you with the best sweetness and taste. We take pride in giving every one of our clients, big and small, an amazing experience. Brownies in Ernakulam is committed to making high-quality bread devoid of artificial preservatives, colours, or flavours. All of our bread loaves, cakes, cookies, doughnuts and muffins, and cupcakes are lovingly created in Ernakulam's cleanest environment. The fullness of our clients' grins when they try our exquisite items and return for more is how we define success at Rising Loaf. They're the cherry on top of our cake, the driving force behind our efforts to improve our baking and customer service. To maintain the authentic taste and fresh flavours, we are captivated by using only high-quality and fresh ingredients in our confectioneries. The fullness of our clients' grins when they try our exquisite items and return for more is how we define success at Rising Loaf. They're the cherry on top of our cake, the driving force behind our efforts to improve our baking and customer service. Rising Loaf, one of Ernakulam's best bakeries, was created by friends with a passion for baking with the purpose of making handcrafted premium baked products that are completely free of harmful food preservatives and additives and delivering them to your door.

Over the years, i have seen my clients, friends and even family torture their children over food, only to be tortured in return. What was once a joy and an expression of love has turned into a chore.

In virtue of these special privileges the intercession of St. Joseph is most powerful: First, for attaining the virtue of purity and overcoming the sensual inclinations of the flesh; Second, for procuring powerful help to escape sin and return to the friendship of God; Third, for increasing the love and devotion to most holy Mary; Fourth, for securing the grace of a happy death and protection against the demons in that hour; Fifth, for filling the demons with terror at the mere mention of his name by his clients; Sixth, for gaining health of body and assistance in all kinds of difficulties; Seventh, for securing issue of children in families.

At Hobby Lobby She tosses a bolt of fabric into the air. Hill country, prairie, a horse trots there. I say three yards, and her eyes say more: What you need is guidance, a hand that can zip a scissor through cloth. What you need is a picture of what you've lost. To double the width against the window for the gathering, consider where you sit in the morning. Transparency's appealing, except it blinds us before day's begun. How I long to captain that table, to return in a beautiful accent a customer's request. My mother kneeled down against her client and cut threads from buttons with her teeth, inquiring with a finger in the band if it cut into the waist. Or pulled a hem down to a calf to cool a husband's collar. I can see this in my sleep and among notions. My bed was inches from the sewing machine, a dress on the chair forever weeping its luminescent frays. Sleep was the sound of insinuation, a zigzag to keep holes receptive. Or awakened by a backstitch balling under the foot. A needle cracking? Blood on a white suit? When my baby's asleep I write to no one and cannot expect a response. The fit's poor, always. No one wears it out the door. But fashions continue to fly out of magazines like girls out of windows. Sure, they are my sisters. Their machines, my own. The office from which I wave to them in their descent has uneven curtains, made with my own pink and fragile hands.

The key to this matrix is the symmetry or asymmetry of the performance. Investors who lack skill simply earn the return of the market and the dictates of their style. Without skill, aggressive investors move a lot in both directions, and defensive investors move little in either direction. These investors contribute nothing beyond their choice of style. Each does well when his or her style is in favor but poorly when it isn’t. On the other hand, the performance of investors who add value is asymmetrical. The percentage of the market’s gain they capture is higher than the percentage of loss they suffer. Aggressive investors with skill do well in bull markets but don’t give it all back in corresponding bear markets, while defensive investors with skill lose relatively little in bear markets but participate reasonably in bull markets. Everything in investing is a two-edged sword and operates symmetrically, with the exception of superior skill. Only skill can be counted on to add more in propitious environments than it costs in hostile ones. This is the investment asymmetry we seek. Superior skill is the prerequisite for it. Here’s how I describe Oaktree’s performance aspirations: In good years in the market, it’s good enough to be average. Everyone makes money in the good years, and I have yet to hear anyone explain convincingly why it’s important to beat the market when the market does well. No, in the good years average is good enough. There is a time, however, when we consider it essential to beat the market, and that’s in the bad years. Our clients don’t expect to bear the full brunt of market losses when they occur, and neither do we. Thus, it’s our goal to do as well as the market when it does well and better than the market when it does poorly. At first blush that may sound like a modest goal, but it’s really quite ambitious. In order to stay up with the market when it does well, a portfolio has to incorporate good measures of beta and correlation with the market. But if we’re aided by beta and correlation on the way up, shouldn’t they be expected to hurt us on the way down? If we’re consistently able to decline less when the market declines and also participate fully when the market rises, this can be attributable to only one thing: alpha, or skill. That’s an example of value-added investing, and if demonstrated over a period of decades, it has to come from investment skill. Asymmetry—better performance on the upside than on the downside relative to what your style alone would produce—should be every investor’s goal.

This is why it’s not uncommon to see a company fire unproductive clients. If 80 percent of their profits come from 20 percent of their clients, then they make more money by redirecting the energy from low-revenue clients to better service the small number of lucrative contracts—each hour spent on the latter returns more revenue than each hour spent on the former.

Written sales call objective. Needs-analysis questions to ask. Something to show. Anticipated customer concerns and objections. Points of difference vis-à-vis competitors. Meaningful benefits to customers. Dollarization approach; investment return analysis. Strategies to handle objections and eliminate customer concerns. Closing strategies.

You see, Michael, the homeless have no voice. No one listens, no one cares, and they expect no one to help them. So when they try to use the phone to get benefits due them, they get nowhere. They are put on hold, permanently. Their calls are never returned. They have no addresses. The bureaucrats don’t care, and so they screw the very people they’re supposed to help. A seasoned social worker can at least get the bureaucrats to listen, and maybe look at the file and maybe return a phone call. But you get a lawyer on the phone, barking and raising hell, and things happen. Bureaucrats get motivated. Papers get processed. No address? No problem. Send the check to me, I’ll get it to the client.

While the case for long-term investment has tended to centre around simple mathematical advantages such as reduced (frictional) costs and fewer decisions leading (hopefully) to fewer mistakes, the real advantage to this approach, in our opinion, comes from asking more valuable questions. The short-term investor asks questions in the hope of gleaning clues to near-term outcomes: relating typically to operating margins, earnings per share and revenue trends over the next quarter, for example. Such information is relevant for the briefest period and only has value if it is correct, incremental, and overwhelms other pieces of information. Even when accurate, the value of the information is likely to be modest, say, a few percentage points in performance. In order to build a viable, economically important track record, the short-term investor may need to perform this trick many thousands of times in a career and/ or employ large amounts of financial leverage to exploit marginal opportunities. And let’s face it, the competition for such investment snippets is ferocious. This competition is fed by the investment banks. Wall Street relies heavily on promoting client myopia to earn its crust. Why

In particular, there is strong social pressure from peers, colleagues and clients to boost near-term performance. Even if one has developed the analytical skills to spot the winner, the psychological disposition necessary to own shares for prolonged periods is not easily come by. J.K. Galbraith observed that: “nothing is so admirable in politics as a short-term memory.” Why should politics have a monopoly on sloppy thinking? Which makes us think that long-term investing works not because it is more difficult, but because there is less competition out there for the really valuable bits of information.

As interest rates began to rise in the post-war period, leaving your cash at a bank that paid near zero percent interest was not such a good investment. Corporations and municipalities had millions of dollars to invest, but could not get a decent return on the short-term cash. They wanted a rate, because any rate was better than nothing. At the same time, securities dealers on Wall Street began holding trading positions. Previously the role of the broker-dealer was as a pure middleman. That’s the broker part of broker-dealer. When a client wanted to sell a bond, the firm’s salesmen scoured the market to find a buyer. If they could find a buyer, the trade was done: end-user seller to end-user buyer, and the Wall Street firm just stood in the middle. That changed in the 1950s. Some broker-dealers, like Bear Stearns and Salomon Brothers, realized they could make money buying bonds for their own trading account. And, they could even make money betting on the direction of interest rates.

the duke acted as an unofficial “door opener” for financier David Rowland and his secretive bank for the super-rich in Luxembourg, Banque Havilland S.A. Thanks to Andrew’s royal connections and envoy role, he was able to pitch the bank’s services to potential clients from the ranks of the high-net-worth elite. Rowland even brought Andrew on an official visit to China. In return he had access to a Bombardier Global Express jet and a virtually limitless credit card—Rowland even paid off a £1.5 million loan Andrew owed to his bank.

The securities lending business boils down to one concept: exchanging a security that someone needs for a different security or cash. The business is driven by the need of the dealer community to cover short positions, be it in stocks, Treasurys, agencies, corporate bonds, ADRs, or even ETFs. When a dealer is looking to cover a short position, they first check what are colloquially known as the “sec lenders.” The securities lending group will pull the security out of the end-user portfolio and lend it into the Repo market. When a securities lending group loans a security, they either receive cash or bonds in return. If they receive cash, they reinvest the cash. If they receive a bond, they earn a fee on the spread between where they loan the bond and borrow the other. In the case of cash, they need to invest it. They need an investment that generates a sufficient return to make the business viable, yet, at the same time, without taking too much risk. The safest and easiest way to invest is in overnight Treasury repo. The problem is that there’s very little profit lending a Treasury and reinvesting in a Treasury. In order to enhance returns, the securities lending groups take some risk. It’s not necessarily a lot of risk, but increasing returns involves increasing risk. It can be either interest rate risk, credit risk, or liquidity risk. Technically a combination of all three is possible, too, but that’s pretty dangerous. The yield curve is upward sloping most of the time, so investing for a longer period of time generally generates a higher yield. Let’s say the overnight rate is 2.00%, the one-month rate is 2.05%, and the three-month rate is at 2.15%. Instead of reinvesting cash overnight, there’s an extra 15 basis points for investing for three months. Since the end-investor clients usually hold their bonds to maturity, there’s only a small chance they will sell a bond during that three-month period. On top of that, the securities lending groups run multi-billion dollar portfolios, so they can ladder their investments.

Whatever the reason, the existence of some persistent investment factors is today accepted by almost every (if not all) financial economist and investor. In an ingenious bit of marketing, factors are often called “smart beta.” Sharpe himself grew to hate the term, as it implies that all other forms of beta are dumb.10 Most financial academics prefer the term “risk premia,” to more accurately reflect the fact that they think these factors primarily yield an investment premium from taking some kind of risk—even if they cannot always agree what the precise risk is. An important milestone was when Fama and his frequent collaborator Ken French—another Chicago finance professor who would later also join DFA—in 1992 published a paper with the oblique title “The Cross-Section of Expected Stock Returns.”11 It was a bombshell. In what would become known as the three-factor model, Fama and French used data on companies listed on the NYSE, the American Stock Exchange, and the Nasdaq from 1963 to 1990 and showed that both value (the tendency of cheap stocks to outperform expensive ones) and size (the tendency of smaller stocks to outperform bigger ones) were distinct factors from the broader market factor—the beta. Although Fama and French’s paper termed these factors as rewards for taking extra risks, coming from the father of the efficient-markets hypothesis, it was a signal event in the history of financial economics.12 Since then academics have identified a panoply of factors, with varying degrees of durability, strength, and acceptance. Of course, factors do not always work. They can go through long fallow stretches where they underperform the market. Value stocks, for example, suffered a miserable bout of performance in the dotcom bubble, when investors wanted to buy only trendy technology stocks. And to DFA’s chagrin, after small caps enjoyed a robust year in DFA’s first year of existence, they would then undergo a long, painful seven-year period of trailing dramatically behind the S&P 500.13 DFA managed to keep growing, losing very few clients, partly because it had always stressed to them that stretches like this could happen. But it was an uncomfortable period that led to many awkward conversations with clients.

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At some point, we reach a place in life when we’re sure there will be no more surprises. The timing is different for everyone, but the feeling — a settling, a resignation — is the same. We know everyone we’re going to know. We may encounter new clients or neighbors, the kinds of people who come and go, the kind that don’t last. But eventually, we come to understand that the old flame is not going to return decades later, that no one truly revolutionary is going to cross our paths. Our people are our people. And when we reach that point, we inherently grasp that no one new will change us. No one will shake the foundation of our identity or imperil our most cherished relationships. No one will force us to make unthinkable choices. No one will crease a comfortable life and fold it into a wholly new shape, like an origami crane.   And then someone does.

The sex slaves will have to learn to comply happily with whatever sexual act a client requests. The liberal application of violence early on will crack the resistance they will inevitably mount. If a client ever complains that the sex slave was less than accommodating, swift and brutal punishment will be meted out.

The master had priorities other than maximizing the financial return on his possessions. One of those priorities, to gain honor, could be met by deemphasizing conventional patron-client relationships and instead practicing benefaction: While some modern people see it as unbelievable that a rich man would praise an employee for giving away his money, almost every scholar who employs the [ancient] honor-shame paradigm would dispute this. Many sociologically oriented critics have pointed to the frequency with which the rich engaged in benefactions and the spectacular amounts often involved as proof of their claim that honor is more important than money.12 Thus, from a first-century perspective it is entirely reasonable that the rich owner would commend the manager for his shrewd handling of the oikos resources.

accountant was not engaged to prepare the financial statements, there is no requirement to include a statement on each page of the financial statements indicating that no assurance is provided on the financial statements. The author requested that the AICPA define the word engaged. They responded that a client’s request for the preparation of financial statements service is the trigger for being “engaged.” In other words, a client’s request for the preparation of financial statements means we are “engaged,” provided we accept the work. Once the client makes the request, the accountant will create an engagement letter in compliance with AR-C 70. If the client does not request the preparation of financial statements and the accountant creates the statements as a by-product of another service (e.g., tax return), he is not subject to the requirements of AR-C 70.

counselors, often confuses stages, states, and lines. He mentioned that clients could move through all four stages (sensorimotor to formal operations) in a single counseling session. People do not actually develop through four (or even two) stages in a day. Rather, different lines of development may be differentially developed, so that a client may appear to exhibit very rudimentary development in one aspect (for example, morality) and advanced development in another (scientific or mathematical thinking). Similar phenomena (clients’ appearing to exhibit the qualities of different stages of development) can be accounted for by distinguishing between stages and states of consciousness. For example, a client may have a developmental center of gravity that hovers around the formal-reflexive mind but experience a state of panic or intense depression during which he resorts to the type of illogical and contrary-to-evidence thinking that characterize preoperational thinking. There are a few places where Ivey seems to distinguish between stages and states, as when he is describing a concrete operational client with whom the counselor finds various deletions, distortions, overgeneralizations, and other errors of thinking or behaving that “represent preoperational states” (1986, p. 163, italics added). This is an important point. The basic structures are not completely stable; otherwise, they would endure even under extreme stress. Hence, developmental waves are conceived of as relatively stable and enduring—far more stable and enduring than states of consciousness, but also far from rigidly permanent structures. Levels and Lines of Development Ivey also wrote of how clients cycle through Piaget’s stages of cognitive development: Each person who continues on to higher levels of development is also, paradoxically, forced to return to basic sensori-motor and pre-operational experience… . the skilled individual who decides to learn a foreign language … must enter language training at the lowest level and work through sensori-motor, preoperational, and concrete experience before being able to engage in formal operations with the new language. (Ivey, 1986, p. 161) People do not revert from the capacity for formal operational thinking to sensorimotor, except perhaps because of a brain injury or organic disorders of the nervous system. Piaget was very emphatic that cognitive development occurs in invariant stages, meaning that everyone progresses through the stages in the same order. At the same time, it is true that just because an individual exhibits formal operational thinking (a stage or level of cognitive development) in chemistry and mathematics does not mean that she automatically can perform at mastery levels in any domain, such as, in this case, a foreign language. This is another example of the utility of Wilber’s (2000e) distinguishing the sundry lines

The Magic List of Consistency • Returning phone calls • Returning e-mails • Setting realistic expectations • Following up with prospective clients • Checking in with your current clients • Developing and running an effective marketing campaign • Networking with industry professionals • Handling your business affairs properly (accounting, PR, marketing, selling, training) • Maintaining balance between your business and personal life • Communicating effectively

An interface is said to be fluent if it returns itself from one or more of its methods. This allows clients to chain calls together,

Mid-June 2012 …Do you remember the arrogant male model who came to the Bahriji School to give a grooming course to us students when we were there? An evening after my return to London, while staying at Uncle James’ home, I visited one of the London sex clubs. Uncle James was in Hong Kong and I had his town house to myself before I moved to my own lodgings in Ladbroke Grove, recommended by the Nottinghill Methodist Church housing project. I was terribly lonely and needed company desperately. I ventured to “Heavens” located Under the Arches on Villiers Street, Charing Cross, a little before midnight. In 1972, this establishment was located in a large warehouse. For the uninitiated, the entrance was nondescript. It was dimly lit from the outside, and when a patron wished to gain entry, he pressed an obscure doorbell by the side of a huge aluminum sliding door. A pair of eyes would look through a peephole, checking to make sure that it was neither a police raid nor an underage client. If the patron was handsome and dressed like a macho gay man, he’d be asked for identification. Once approved, the green door would slide open to allow entry. Inside “Heavens” was a different world. Throngs of leather and denim-clad patrons checked their belongings in the tiny cloakroom next to the cashier’s booth. A small safety deposit box was then allocated upon request for each visitor to deposit his wallet or important documents for safekeeping. The safety deposit box key, attached to an elastic band together with the clothing claim tag, would then be handed to the patron to wear around his wrist or ankle. Most patrons were shirtless except for their jeans and leather pants. The uninhibited would strip down to their jock straps or sports undergarments. Their naked buttocks were ready to be in service for a night of unbridled debauchery.

We’ve got things under control here.” “‘We’?” Kerry repeated. “Shouldn’t you be out sampling cake or agonizing over invitation fonts? Assuming you don’t have clients to design interiors for.” “I have clients,” Fiona replied easily, honest joy beaming from her every pore. “Very happy ones. Trust me, after running McCrae Interiors, I can juggle Fiona’s Finds and planning a wedding at the same time with my eyes closed.” Kerry gave her sister a hard time--it was what they did--but she was truly happy for Fiona, with both her new business success and her lovely and loving relationship with their longtime family friend, Ben Campbell. Fiona had sold a successful business in Manhattan to return home and start over. She’d just opened a small design studio in a converted cottage near the harbor, focusing on recycling and repurposing antique and vintage items into something fresh and new. Her designs were both eco-friendly and wallet friendly, and the Cove had embraced her return home and her new business with equal enthusiasm. “Remember you said that,” Kerry commented. “When it’s go time on the big aisle walk and you’re still running around like a crazy person trying to pull everything together at the last second, I don’t want to hear about it.” Fiona batted her eyelashes again as she took an extralong sip on the straw in her glass of lemon water. “I’m the epitome of a happy, relaxed bride. McCrae girls don’t do bridezilla. Well, Hannah didn’t, Alex was lovely, and I’m charming of course.” She looked at Kerry over the tip of her straw, smiling sweetly. “We’ll reserve final judgment until it’s your turn.” “Har, har,” Kerry said, but Fiona was high on wedding crack again so she let her run with it. “Besides, after handling weddings for Logan, Hannah, and the Grace-Delia double do out on that island, this will be a cakewalk. Ha!” Fiona went on, then laughed. “Cakewalk.” “You’re a designer? And you do weddings?” Maddy turned on her stool and spun Fiona on hers until they were facing each other. She gripped Fiona’s forearms and grinned. “Hello, my new best and dearest friend.” “Oh, brother.” Kerry surrendered, tossing her towel on the bar.

January 2013 Continuation of Andy’s Message (part one)   Young,               You must be eager to find out what transpired after my exhibitionistic shower episode at that homey eatery.☺               As our group browsed one of Princesa City’s outdoor markets, I was stalked by the two forest boys. They trailed us at a distance, only making appearances when they thought I wasn’t looking. LOL!               Before long, those two had edged up next to me as I was looking at souvenirs for friends. Since I towered over them in height and build, they gawked at me as if at an alien. Their petite stature measured to my waist when they stood next to me.               As it was customary for street vendors to haggle over prices with their clients, I asked the boys if they would bargain on my behalf. They agreed. Although Taer, the older of the two, had a knack for bargaining, his chum Anak was a master of haggling. The both of them would drag me away from the stall in question, if the vendor did not agree to their offer. By harrying away, the stall keeper would often beckon our return, thus sealing the deal we offered.               Even though the duo could only communicate in broken English, it did not deter my rowing pals from soliciting their bargaining services. We treated the boys to a scrumptious dinner at an outdoor eatery they recommended towards the end of our shopping spree. Throughout our excursion, they seized every opportunity to brush against me – a trait I found adorable.☺               I invited them for a nightcap at my lodging after a jovial dinner. Quick to jump at that suggestion, they headed back to my hut with me. Before I knew it, we were frolicking naked in the ocean below my chamber. You guessed it, one thing led to another…               To be continued. LOL!

Fragmentation of Time One of my clients is an agency of the Australian government. During one consulting call, I collected data indicating that the average worker there was involved in four or more different projects. I complained about this to the Commissioner. He said it was regrettable, but just a fact of life. People’s duties were fragmented because their skills and knowledge made them indispensable to efforts other than the principal ones they were assigned to. He said it was inevitable. I said it was nonsense. I proposed that he make it a specific policy that people be assigned to one and only one project at a time and that the policy be written down and widely distributed. He was game. A year later, when I returned, the average worker was assigned to fewer than two projects. —TDM Fragmentation is bad for team formation, but it’s also bad for efficiency. (Perhaps you’ve begun to pick up a trend here.) People can keep track of only so many human interactions. When they try to be part of four working groups, they have four times as many interactions to track. They spend all their time changing gears. No one can be part of multiple jelled teams. The tight interactions of the jelled team are exclusive. Enough fragmentation and teams just won’t jell.

It's beautiful here," Rees murmured, watching the light play upon the water before returning his gaze to her. Mrs. Hollingsworth, his newest client, turned to him and forced a stiff smile. "Yes, money can buy all kinds of beautiful things," she said without a hint of emotion.

All purchases made on client’s behalf will be billed to client. In all cases, such prices will reflect a markup of ___%. Charges for sales tax, insurance, storage, and shipping and handling are additional to the price of each purchase. In the event client purchases materials, services, or any items other than those specified by the designer, the designer is not liable for the cost, quality, workmanship, condition, or appearance of such items. Schedule of Payment Hourly Rate: Regular billing periods (bimonthly, monthly) based on hours consumed or periodic approval points. Fee Billing: ___ percent upon project commencement, ___ percent following completion of concept development, ___ percent upon completion of design development, ___ percent upon completion of production, ___ percent upon completion of implementation. Invoices are payable upon receipt. Termination Policy Client and Designer may terminate project based upon mutually agreeable terms to be determined in writing, either prior to signing of this proposal or within the final Client-Designer Contract. Term of Proposal The information contained in this proposal is valid for 30 days. Proposals approved and signed by the Client are binding upon the Designer and Client beginning on the date of Client’s signature. If the information in this Proposal meets with Client’s approval, Client’s signature below authorizes Designer to begin work. Kindly return a signed copy of this Proposal/Agreement to Designer’s office. Designer Signature _____________ Print Designer Name _____________ Date _____________ Client Signature _____________ Print Client Name _____________ Date _____________

By the time I returned to Albany that fall, I was committed to turning things around. I marched into the career-planning office and began researching the firms at which I might still have a shot. Most did their main recruiting from the second-year, not the third-year, class, so I was late to the party, and I knew it. One firm, however, did stand out: Bickel & Brewer. They were based in Dallas, with smaller satellite offices in Washington, DC, New York, and Chicago. They liked to hire third-year law students, and at New York salaries. William Brewer bears a decent resemblance to a young Robert Redford. He walks with a strong gait and wears a tan Burberry trench coat over perfectly tailored navy or gray suits. He was also legendary in the halls of Albany Law School, where he had studied law. I researched him and his firm with vigor and soon found that Brewer’s looks weren’t the only thing attractive about this firm. The term “Rambo litigation” was coined there. They took no prisoners. You hired them when you wanted a fight. At twenty-three years old, I loved that. Kill or be killed! We’re not here to make friends, we’re here to win! You sue my client? F— you and your request for an extension! You want a settlement conference? Pound sand! Our offer is screw you! Looking back, this feels a little silly, but as a young gun it sounded very sexy to me. I could enter a frat or a brotherhood of sorts. The bravado naturally appealed to me, given the protective armor I’d built up since being bullied, not to mention the fact that I’d probably always had a bit more testosterone than most girls. Going on the offensive was thrilling, and the more I acted tough, the tougher I felt. Being a litigator was the perfect job; it not only let me hide my insecurities, it felt like a tool for conquering them.

Compliance of Student Loan consolidation by The Student Loan Help Center The Student Loan Help Center firmly believes in strict compliance with the Telephone Consumer Protection Act (TCPA). The Student Loan Help Center has a zero tolerance policy in regards to violations of the FCC’s TCPA regulations. The Student Loan Help Center does not include unsolicited advertisements or unsolicited calls. We do make solicited calls prior to obtaining written consent via a website form. Refer to the “Small Entity Compliance Guide” for information. In adopting the written consent requirement, however, the FCC will recognize prior express written consent secured under the methods described in the E-SIGN Act. Permission obtained via an email, website form, text message, telephone keypress, or voice recording, as provided in the E-SIGN Act, will suffice as prior express written consent. The Student Loan Help Center does not include any cell phone text messaging platform, robocalls, autodialers, voiceblasting or any other device that can be considered automated telephone equipment without written consent. The Student Loan Help Center has a clearly written privacy policy, available to anyone upon request. We limit our calls to the period between 8 a.m. and 9 p.m., local time. The Student Loan Help Center assists consumers with federal student loan consolidation preparation and filing services. We are not affiliated with or endorsed by the U. S. Department of Education. Like filing a tax return, you can file a consolidation without professional assistance and without charge at loanconsolidation.ed.gov The Student Loan Help Center has no tolerance with misrepresentations. In our efforts to avoid confusion we have placed disclaimers at the bottom of every page of our websites. The Student Loan Help Center shows a Caller ID on every outbound call (8137393306, 8137508039, 8138038132, 8135751175 & 8133454530). The Student Loan Help Center is a private company. As such The Student Loan Help Center requires a FEE. That fee is disclosed to the client, in writing, before any billing is performed. The Student Loan Help Center has a very specific fee schedule. The Student Loan Help Center keeps the client’s records for a minimum of two years.

hasn’t been missing long. If she’s upset, she’ll go someplace where she feels safe.” “But she might not be thinking clearly,” Adelia protested, her panic returning. “She’s only thirteen, Gabe. I’m afraid I’ve been forgetting that myself. I should have been paying more attention. Instead, I was so worried about my younger kids, I missed all the signs that Selena was in real trouble. I was just grateful that she was no longer rebelling against the world.” In front of the gym, she bolted from the car practically before it could come to a stop. Inside, she scanned the room until her gaze landed on her brother. He regarded her with alarm, which grew visibly when Gabe came in right on her heels. Misreading the situation, Elliott stepped between them. “Is this guy bothering you, Adelia?” She held up a hand. “No, it’s nothing like that. Selena’s missing. Gabe is helping me look for her. I thought maybe she’d come here to see you.” Elliott shook his head. “I haven’t seen her. Let me check with Karen. She’s not working today. She’s at the house with the baby.” Adelia felt herself starting to shake as her brother made the call to his wife. Then she felt Gabe’s steadying hand on her shoulder. He didn’t say a word, just kept his hand there until the moment passed. Elliott listened intently to whatever Karen was saying, his expression brightening. “Thanks, querida. Adelia will be there in a few minutes.” Smiling, he turned to her. “Selena’s at my house playing with the baby. Karen didn’t think to call anyone because Selena told her she only had a half day at school and swore you knew where she was.” Adelia finally let out the breath she felt like she’d been holding for hours. “Of course Karen believed her,” she said wryly. “Selena’s very convincing when she wants to be.” “Want me to drive you over there?” Elliott offered. “I can get one of the other trainers to take my next client.” “I can take her,” Gabe said. He looked at her. “Unless you’d prefer to have your brother go with you.” Adelia hesitated, then shook her head. “If you don’t mind making the drive, that would be great,” she told him. “Elliott, there’s no reason for you to miss an appointment. I can handle this.” Elliott looked worried but eventually nodded. “You’ll be there when I get home? I want to have a talk with my niece about skipping school and worrying you.” She smiled. “Believe me, she’ll get more than enough talking from me tonight. You can save your lecture for another day.” Elliott nodded with unmistakable reluctance. “Whatever you think, but I will have a word with her. You can be sure of that.” “Not a doubt in my mind,” she said, then turned to Gabe. “Let’s go. That

The NoCommand object is an example of a null object. A null object is useful when you don’t have a meaningful object to return, and yet you want to remove the responsibility for handling null from the client.

Apple may not do customer research to decide what products to make, but it absolutely pays attention to how customers use its products. So the marketing team working on the iMovie HD release scheduled for Macworld, on January 11, 2005, decided to shoot a wedding. The ceremony it filmed was gorgeous: a sophisticated, candlelit affair at the Officers’ Club of San Francisco’s Presidio. The bride was an Apple employee, and the wedding was real. There was one problem with the footage, however. Steve Jobs didn’t like it. He watched it the week before Christmas, recalled Alessandra Ghini, the marketing executive managing the launch of iLife. Jobs declared that the San Francisco wedding didn’t capture the right atmosphere to demonstrate what amateurs could do with iMovie. “He told us he wanted a wedding on the beach, in Hawaii, or some tropical location,” said Ghini. “We had a few weeks to find a wedding on a beach and to get it shot, edited, and approved by Steve. The tight time frame allowed for no margin for error.” With time short and money effectively no object, the team went into action. It contacted Los Angeles talent agencies as well as hotels in Hawaii to learn if they knew of any weddings planned—preferably featuring an attractive bride and groom—over the New Year’s holiday. They hit pay dirt in Hollywood: A gorgeous agency client and her attractive fiancé were in fact planning to wed on Maui during the holiday. Apple offered to pay for the bride’s flowers, to film the wedding, and to provide the couple with a video. In return, Apple wanted rights for up to a minute’s worth of footage of its choosing.

In the AJAX world, a client can make a request, the server responds that it has received the request (so the client can get on with something else), and then at some random time later the actual response to the original request is returned. You see the problem? It becomes a challenge to match requests with the correct responses. From a programming standpoint, the performance tool must spawn a thread that waits for thecorrect response while the rest of the script continues to execute. A deft scripter may be able to code around this, but it may require signifcant changes to a script with the accompanying headache of ongoing maintenance. The reality is that not all testers are bored developers, so it’s better for the performance tool to handle this automatically.

The neoliberal system, which appeared as the only viable alternative to communism, is disintegrating, and with it the traditional left-right divide. We are witnessing a return of feudal structures, although they take new forms—a neofeudal order based on networks of clients and patrons.

Suraj solar and allied industries, Wework galaxy, 43, Residency Road, Bangalore-560025. Mobile number : +91 808 850 7979 With the worldwide shift towards feasible energy sources, the sunlight based charger producing industry in Bangalore has seen critical development and advancement lately. As a conspicuous player in this market, SuneaseSolar has arisen as a main producer, offering state of the art advancements and answers for satisfy the rising need for environmentally friendly power arrangements. This article investigates the scene of solar panel manufacturers in Bangalore , digs into the vital elements and advances given by SuneaseSolar, and features the maintainability advantages of sunlight powered chargers. Moreover, it grandstands the upsides of picking SuneaseSolar for sunlight based charger arrangements, presents client tributes, and talks about future patterns and advancements molding the Bangalore sun powered charger market. 1. An Overview of solar panel manufacturers in Bangalore, also known as India's Silicon Valley, is also making a name for itself in the solar energy industry. The city's energetic tech culture and obligation to maintainability have made ready for a developing sun powered charger fabricating industry. Significance of Sun powered chargers in India's Energy Scene Sun powered chargers assume an essential part in India's shift towards sustainable power sources. With its plentiful daylight, India can possibly outfit sunlight based power for an enormous scope, decreasing reliance on non-renewable energy sources and moderating environmental change. 2. Outline of SuneaseSolar as a Main Maker Organization Foundation and History SuneaseSolar has arisen as an unmistakable player in Bangalore's sun powered charger fabricating scene. With an emphasis on development and quality, the organization has gained notoriety for conveying dependable and productive sunlight based arrangements. Scope of Sunlight powered charger Items Advertised SuneaseSolar offers a different scope of sunlight based charger items custom-made to meet different energy needs. From private roof frameworks to enormous scope business establishments, they take special care of a wide range of clients. 3. Key Highlights and Innovations Presented by SuneaseSolar High level Sunlight powered charger Plans and Materials SuneaseSolar values utilizing state of the art plans and materials to upgrade the proficiency and solidness of their sun powered chargers. By remaining on the ball, they guarantee clients get first class items that go the distance. Metrics for Efficiency and Performance When it comes to solar panels, efficiency is absolutely necessary. SuneaseSolar focuses on execution measurements to ensure ideal energy creation and cost reserve funds for their clients. With a sharp spotlight on result and dependability, they endeavor to expand the advantages of sun oriented power. 4. Maintainability and Ecological Effect of Sunlight based chargers Job of Sun powered Energy in Lessening Carbon Impression Sun powered energy assumes a urgent part in bringing down fossil fuel byproducts and battling environmental change. By bridling the force of the sun, sun powered chargers offer a perfect and manageable option in contrast to conventional energy sources, adding to a greener future. Reusing and Removal Practices for Sunlight powered chargers To address worries about the finish of-life pattern of sunlight powered chargers, SuneaseSolar carries out reusing and removal practices to limit natural effect. By advancing dependable waste administration, they guarantee that sun powered energy stays a genuinely economical answer for the long run. 5. Cost-Effectiveness and Return on Investment of SuneaseSolar's Solar Panel Solutions When it comes to solar panel manufacturers in Bangalore, SuneaseSolar shines brightly like a diamond.

There are many ways to go home; many are mundane, some are divine. My clients tell me these mundane endeavors constitute a return to home for them[...] Rereading passages of books and single poems that have touched them. Spending even a few minutes near a river, a stream, a creek. Lying on the ground in dappled light. Being with a loved one without kids around. Sitting on the porch shelling something, knitting something, peeling something. Walking or driving for an hour, any direction, then returning. Boarding any bus, destination unknown. Making drums while listening to music. Greeting sunrise. Driving out to where the city lights do not interfere with the night sky. Praying. A special friend. Sitting on abridge with legs dangling over. Holding an infant. Sitting by a window in a café and writing. Sitting in a circle of trees. Drying hair in the sun. Putting hands in a rain barrel. Potting plants,being sure to get hands very muddy. Beholding beauty, grace, the touching frailty of human beings.

Santhi Gems - Confided in Gold Purchaser in Chennai 17/71, B10, Stonedge Towers, 1st Avenue, Ashok Nagar, Chennai- 600 083. (Land Mark ICICI Bank or Indian Bank) Mobile : +91 98413 23202 / 98413 23262 Santhi Gems has procured a standing as perhaps of the most confided in Gold Buyer in chennai, giving straightforward, solid, and client centered administrations. With long periods of skill in the gold exchanging industry, the organization offers a consistent encounter for people seeking sell their gold at fair and cutthroat costs. Whether it's old, unused, or broken gold gems, Santhi Adornments guarantees clients get the best incentive for their resources, settling on it the favored decision for gold dealers across the city. Why Pick Santhi Gems? Santhi Gems stands apart among Gold Buyer in chennai for its obligation to decency, straightforwardness, and trust. Selling gold can be an overwhelming cycle, particularly for those new to the market, however Santhi Gems simplifies the experience and bother free. The organization follows an organized cycle, guaranteeing clients are educated at each stage, with no secret charges or derivations. Fair and Straightforward Valuation One of the key reasons individuals trust Santhi Gems is their fair and straightforward gold valuation process. Utilizing the most recent innovation, they survey the immaculateness of gold utilizing karat meters, which give exact and precise readings without harming the gems. This painless technique guarantees that clients get the specific incentive for the gold they wish to sell. Santhi Gems sticks to current market rates, offering serious costs in view of the live gold rates. Clients can have confidence that they are getting the best cost for their gold, with a straightforward breakdown of the valuation cycle. The organization highly esteems keeping up with genuineness and respectability in the entirety of its exchanges. Prompt Installment Santhi Gems guarantees that clients are paid following the gold is assessed and gauged. This dispenses with any deferrals or vulnerabilities in the installment cycle. Whether clients favor cash, bank move, or computerized installment techniques, the organization offers adaptable installment choices to take care of individual inclinations. Purchasing A wide range of Gold At Santhi Adornments, clients can sell any sort of gold, including: Old or broken gold gems Gold coins or bars Gold decorations Scrap gold No matter what the condition or type of the gold, Santhi Gems acknowledges everything and gives the most ideal rates, making the selling system simple and advantageous. No Secret Allowances or Charges Not at all like a few gold purchasers, Santhi Gems works with complete straightforwardness and genuineness. There are no secret charges, dissolving expenses, or derivations that eat into the last payout. Each part of the exchange is plainly clarified for the client, guaranteeing a smooth and dependable experience. A Tradition of Trust Santhi Gems has been a piece of Chennai's gold exchange for quite a long time, constructing serious areas of strength for an as a trusted and dependable purchaser. The organization is known for its client driven approach, guaranteeing that each person who strolls through their entryways feels regarded and esteemed. This tradition of trust has assisted Santhi Adornments lay out long haul associations with its clients, who return for rehash exchanges or prescribe the organization to other people. Advantageous Area and Client assistance Situated in the core of Chennai, Santhi Gems is effectively open for anybody hoping to sell gold in a free from even a hint of harm climate. The staff is amicable, learned, and devoted to giving superb client assistance, directing venders through each step of the interaction.

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Every so often I see a tax return from a new, real-estate-owning client that doesn’t show depreciation. And it’s not because the client has owned the real estate for 40 years. No, it’s because for some reason the client or his or her accountant didn’t take the depreciation deduction. This is not only wrong—it’s also stupid. Why not take the deduction? If you don’t, you’re in essence cheating yourself. It makes no sense to me, but I see it at least once a month.

review some fundamentals: 1. We must continue doing our best to control expenses. Every dollar we save on expenses goes directly to the bottom line. That is what all of us should be concerned about, or you are at the wrong firm. Expenses should be watched at all times, but especially when business is good. 2. We must continue to be alert for scams and con artists. We must watch for unusual behavior by the people we work with. What is unusual behavior? Something subtle like somebody who drives a Rolls-Royce on a salary that can barely support roller skates. 3. Do the people you work with answer phone calls in a courteous manner? Are all phone calls returned? I couldn’t care less what a person does in his own home, but I am a nut about returning phone calls that are made to our personnel during the workday. I do not care if the caller is selling malaria. Calls must be returned! 4. Are the receptionists and telephone operators in all of our offices warm and courteous, and if they are, are they thanked appropriately? Remember that in most cases the first contact a client has with us is through a telephone operator or receptionist. 5. Do you and your associates leave word where you are at all times so that finding you is not like hunting for the Andrea Doria? 6.

Tax preparation service includes federal,state,or local tax returns.Tax advisory service includes analyzing financial and tax problems, formulating solutions and making recommendations designed to provide advice on taxation for clients ranging from individuals to business.

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Modern banknotes actually work on a similar principle, except in reverse.16 Recall here the little parable about Henry’s IOU. The reader might have noticed one puzzling aspect of the equation: the IOU can operate as money only as long as Henry never pays his debt. In fact this is precisely the logic on which the Bank of England—the first successful modern central bank—was originally founded. In 1694, a consortium of English bankers made a loan of £1,200,000 to the king. In return they received a royal monopoly on the issuance of banknotes. What this meant in practice was they had the right to advance IOUs for a portion of the money the king now owed them to any inhabitant of the kingdom willing to borrow from them, or willing to deposit their own money in the bank—in effect, to circulate or “monetize” the newly created royal debt. This was a great deal for the bankers (they got to charge the king 8 percent annual interest for the original loan and simultaneously charge interest on the same money to the clients who borrowed it), but it only worked as long as the original loan remained outstanding. To this day, this loan has never been paid back. It cannot be. If it ever were, the entire monetary system of Great Britain would cease to exist.17

used Mike’s forms and templates to land my first clients. One awesome result: I wrote a twelve-page ebook and priced it at $10. The book led to new coaching clients. The total return from the exercise: nearly $5,000. And it’s still selling!

In fact, though not immigrating to a “refugee state” according to the definition used here, most of the Jewish immigrants to Israel during the early years of statehood were undoubtedly refugees—people who could not return home for fear of persecution. Yet for the institutions of the migration regime, they were primarily an important demographic factor, in terms of both their ethno-demography—after all, the Jewish state needed Jewish inhabitants—and their utility as workers, soldiers, and agricultural settlers. In keeping with the terminology of the day, they were “human material” of value for the project of building the state.16 German expellees were also a significant source of labor for the subsequent “economic miracle,” though the refugee state conceptualized them mainly as clients to support

I enjoy my Picassos,” he says with a glint in his eye, “and, unlike some, I have never had to sell to pay the fines.” I ask about his recreational interests and for once he looks uncertain. His eyes scan the room for inspiration, or perhaps help from his PR adviser. His gaze eventually rests on a landscape painting. “I shoot sheep,” he declares darkly. With that he stands up, baring his teeth in a maniacal grin. “I really have taken up far too much of your time.” He leaves before the bill arrives. When it comes, like many former clients, I am left grappling with the awful financial consequences of my encounter with the Greedspin banker.

some other items you can include on your Project Completion Checklist. I encourage you to personalize it for your own needs: Answer postmortem questions: What did you learn? What did you do well? What could you have done better? What can you improve for next time? Communicate with stakeholders: Notify your manager, colleagues, clients, customers, shareholders, contractors, etc., that the project is complete and what the outcomes were. Evaluate success criteria: Were the objectives of the project achieved? Why or why not? What was the return on investment? Officially close out the project and celebrate: Send any last emails, invoices, receipts, feedback forms, or documents, and celebrate your accomplishments with your team or collaborators so you receive the feeling of fulfillment for all the effort you put in.

To sit there quietly, hands folded in my lap, listening to them elaborate on their troubles. An old impatience returned, the kind I had experienced when I started as a therapist: the urge to search for the moments in their past that contained the key to liberating them in the present. That’s what I used to do, press for more and more family history, excusing it to myself as interest and attention, when really it was a distraction from the suffering in front of me, a desire to find the passage of experience that would explain their pain away. What good plot didn’t offer that? A meaning sufficient to account for the events. But as time went on, I realized that my clients’ lives weren’t works of art. They told themselves stories all the time, but the stories trailed off, got forgotten, and then repeated—distractions themselves, oftentimes, from the feelings they were somewhere taught would damn them or wreck them.

Principal Management Corporation, the manager of the LargeCap Value Fund, actually provides no investment management services, focusing instead on “clerical, recordkeeping and bookkeeping services.” Responsibility for the day-in and day-out portfolio management rests with a subsidiary of Alliance Capital Management, Bernstein Investment Research and Management.17 The fee arrangement between Principal and Bernstein involves only a portion of Principal’s take from its investors. For the year ended December 31, 2003, Principal’s no-load Class B shares bore the burden of a 2.51 percent expense ratio, as detailed in Table 8.7. Investors paid a 12b-1 fee of 0.91 percent, other expenses of 0.85 percent and a management fee of 0.75 percent. Principal’s fees all but guarantee that investors will fail to generate satisfactory returns. The management fee arrangement between Principal and Bernstein provides clues to the economies of scale available in the money management industry. At asset levels below $10 million, of the 0.75 percent management fee, 0.60 percent goes to Bernstein and 0.15 percent goes to Principal. As assets under management increase, Bernstein’s fee share decreases and Principal’s fee share increases. At the final break point of $200 million in assets, of the scale-invariant 0.75 percent fee, Bernstein receives 0.20 percent and Principal receives 0.55 percent. The fee structure clearly illustrates scale economies in the investment management business. Bernstein, the party responsible for the heart of the portfolio management process, earns fees that diminish (with increases in assets under management) from 0.60 percent of assets to 0.20 percent of assets. Since Bernstein’s work changes not at all as asset levels increase, the reduction in marginal charges makes sense. It makes no sense that Principal’s mutual-fund clients accrue no benefits from economies of scale. Total expenses incurred by investors remain at 2.51 percent regardless of portfolio size. As Bernstein’s management fee declines, Principal’s management fee increases. For assets above $200 million Principal adds a management fee of 0.55 percent to other fees of 1.76 percent, bringing the egregious total to 2.31 percent for Principal and 0.20 percent for Bernstein. In this topsy-turvy world, Principal earns a marginal management fee of 0.55 percent for performing back-office functions, while Bernstein earns a marginal management fee of 0.20 percent for making security-selection decisions. As scale increases, Bernstein earns less while Principal takes more.

to offer your prospects incredible value, typically in the form of the solution to a problem they’re struggling with, without asking them to purchase anything in return.

In return for all the value you’re providing, all you ask for is their name and email address.

I returned home the evening before Adelaide Modine’s body was found and I attended the autopsy. Call it gruesome curiosity. Now, I’m sorry, Mr. Parker, but I have nothing more to say and a great deal of work to do.” He led me to the door and pushed open the screen to let me out. “You don’t seem particularly anxious to help me find Catherine Demeter, Mr. Hyams.” He breathed in heavily. “Who suggested that you talk to me, Mr. Parker?” “Alvin Martin mentioned your name.” “Mr. Martin is a good, conscientious deputy and an asset to this town, but he is still a comparatively recent arrival,” said Hyams. “The reason why I am reluctant to talk is a matter of client confidentiality. Mr. Parker, I am the only lawyer in this town. At some point, nearly everyone who lives here, regardless of color, income, religious or political belief, has passed through the door of my office. That includes the parents of the children who died. I know a great deal about what happened here, Mr. Parker, more than I might wish to know and certainly much more than I plan to share with you. I’m sorry, but that’s the end of the matter.” “I see. One more thing, Mr. Hyams.” “Yes?” he asked, wearily. “Sheriff Granger lives on this road too, doesn’t he?” “Sheriff Granger lives next door, the house on the right here. This house has never been burgled, Mr. Parker, a fact that is surely not unconnected. Good night.” He stood at the screen door as I drove away. I cast a glance at the sheriff’s house as I passed but there were no lights within and there was no car in the yard. As I drove back to Haven, raindrops began to strike the windshield and by the time I reached the outskirts of the town it had turned into a harsh, ceaseless downpour. The lights of the motel appeared through the rain. I could see Rudy Fry standing at the door, staring out into the woods and the gathering darkness beyond. By the time I had parked, Fry had resumed his position behind the reception desk. “What do folks do around here for fun, apart from trying to run other folks out of town?” I asked. Fry grimaced as he tried to separate the sarcasm from the substance of the question. “There ain’t much to do around here outside of drinking at the Inn,” he replied,