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I want to see a world in which entrepreneurs give time to their visions to reality so that they have more money, more family time, and more support, a world in which they can stop working so hard and start living!

Surround yourself with like-minded people who support you on the road to success.

Your market research objectives need to fit into your marketing strategy. If your objectives are not supporting your marketing strategy, then it’s going to be a waste of your resources.

The code-of-ethics playlist: o Treat your colleagues, family, and friends with respect, dignity, fairness, and courtesy. o Pride yourself in the diversity of your experience and know that you have a lot to offer. o Commit to creating and supporting a world that is free of discrimination, harassment, and retaliation. o Have balance in your life and help others to do the same. o Invest in yourself, achieve ongoing enhancement of your skills, and continually upgrade your abilities. o Be approachable, listen carefully, and look people directly in the eyes when speaking. o Be involved, know what is expected from you, and let others know what is expected from them. o Recognize and acknowledge achievement. o Celebrate, relive, and communicate your successes on an ongoing basis.

Pundits, opponents, and disillusioned supporters would blame Obama for squandering the promise of his administration. Certainly he and his administration made their share of mistakes. But it is hard to think of another president who had to face the kind of guerrilla warfare waged against him almost as soon as he took office. A small number of people with massive resources orchestrated, manipulated, and exploited the economic unrest for their own purposes. They used tax-deductible donations to fund a movement to slash taxes on the rich and cut regulations on their own businesses. While they paid focus groups and seasoned operatives to frame these self-serving policies as matters of dire public interest, they hid their roles behind laws meant to protect the anonymity of philanthropists, leaving more folksy figures like Santelli to carry the message.

The biggest risk is not in what you build. It is in not supporting what you build.

Pick someone in your life you admire. Your grandfather, an old college professor, a friend—it doesn’t matter who, as long as you have total respect for them and you admire their life or accomplishments. Then when you’re about to take a leap, visualize this person at your side, rooting for you, telling you how much they believe in you. Try it when you ask for a raise, or ask someone on a date, or go for a bank loan to start your small business, or do anything scary that takes you outside your comfort zone. We all need a little encouragement and support sometimes.

The relationship between any two communities in the global economy is not unlike a marriage. As couples counselors advise, relationships falter when two partners are too interdependent. When any stress affecting one partner - the loss of a job, an illness, a bad-hair day - brings down the other, the couple suffers. A much healthier relationship is grounded in the relative strength of each partner, who each should have his or her own interests, hobbies, friends, and professional identity, so that when anything goes wrong, the couple can support one another from a position of strength. Our ability to love, like our ability to produce, must be grounded in our own security. And our economy, like our love, when it comes from a place of community, can grow without limit.

Tea Party advocates work in or run small businesses. Yet the politicians they support back laws that consolidate the monopoly power of the very largest companies that are poised to swallow up smaller ones.

Regardless of whether you’re trying to convince someone to support your favorite charity, eat healthier, switch their business from their current supplier to your firm, or just adopt a new way of working at the office, one of the most common explanations for lack of persuasive success is also one of the simplest: People recognize they should change their behavior, but they just don’t feel like doing it right now.

Corporate lenders play a vital role in supporting economic growth by providing capital to businesses. Without corporate lenders, the ability and rate at which businesses are able to grow would likely be considerably less.

If you want to have Christ-like character, then you just develop the habits that Christ had,” one of Saddleback’s course manuals reads. “All of us are simply a bundle of habits….Our goal is to help you replace some bad habits with some good habits that will help you grow in Christ’s likeness.” Every Saddleback member is asked to sign a “maturity covenant card” promising to adhere to three habits: daily quiet time for reflection and prayer, tithing 10 percent of their income, and membership in a small group. Giving everyone new habits has become a focus of the church. “Once we do that, the responsibility for spiritual growth is no longer with me, it’s with you. We’ve given you a recipe,” Warren told me. “We don’t have to guide you, because you’re guiding yourself. These habits become a new self-identity, and, at that point, we just need to support you and get out of your way.

Incidentally, the same logic that would force one to accept the idea of the production of security by private business as economically the best solution to the problem of consumer satisfaction also forces one, so far as moral-ideological positions are concerned, to abandon the political theory of classical liberalism and take the small but nevertheless decisive step (from there) to the theory of libertarianism, or private property anarchism. Classical liberalism, with Ludwig von Mises as its foremost representative in the twentieth century, advocates a social system based on the nonaggression principle. And this is also what libertarianism advocates. But classical liberalism then wants to have this principle enforced by a monopolistic agency (the government, the state)—an organization, that is, which is not exclusively dependent on voluntary, contractual support by the consumers of its respective services, but instead has the right to unilaterally determine its own income, i.e., the taxes to be imposed on consumers in order to do its job in the area of security production. Now, however plausible this might sound, it should be clear that it is inconsistent. Either the principle of nonaggression is valid, in which case the state as a privileged monopolist is immoral, or business built on and around aggression—the use of force and of noncontractual means of acquiring resources—is valid, in which case one must toss out the first theory. It is impossible to sustain both contentions and not to be inconsistent unless, of course, one could provide a principle that is more fundamental than both the nonaggression principle and the states’ right to aggressive violence and from which both, with the respective limitations regarding the domains in which they are valid, can be logically derived. However, liberalism never provided any such principle, nor will it ever be able to do so, since, to argue in favor of anything presupposes one’s right to be free of aggression. Given the fact then that the principle of nonaggression cannot be argumentatively contested as morally valid without implicitly acknowledging its validity, by force of logic one is committed to abandoning liberalism and accepting instead its more radical child: libertarianism, the philosophy of pure capitalism, which demands that the production of security be undertaken by private business too.

A male star named "T.T. Boy"....is a legend in the business [actor in commercial porn films]. T.T. Boy does not look at all glamorous - he's a small, tough-guy, assistant mobster type; sometimes he chews gum during his lovemaking scenes. He pounds his partners...Once memorably described as 'nothing more than a life-support system for his penis,' he got the kind of admiring, solid applause reserved for a large artillery piece going by in a parade.

1. Recruit the smallest group of people who can accomplish what must be done quickly and with high quality. Comparative Advantage means that some people will be better than others at accomplishing certain tasks, so it pays to invest time and resources in recruiting the best team for the job. Don’t make that team too large, however—Communication Overhead makes each additional team member beyond a core of three to eight people a drag on performance. Small, elite teams are best. 2. Clearly communicate the desired End Result, who is responsible for what, and the current status. Everyone on the team must know the Commander’s Intent of the project, the Reason Why it’s important, and must clearly know the specific parts of the project they’re individually responsible for completing—otherwise, you’re risking Bystander Apathy. 3. Treat people with respect. Consistently using the Golden Trifecta—appreciation, courtesy, and respect—is the best way to make the individuals on your team feel Important and is also the best way to ensure that they respect you as a leader and manager. The more your team works together under mutually supportive conditions, the more Clanning will naturally occur, and the more cohesive the team will become. 4. Create an Environment where everyone can be as productive as possible, then let people do their work. The best working Environment takes full advantage of Guiding Structure—provide the best equipment and tools possible and ensure that the Environment reinforces the work the team is doing. To avoid having energy sapped by the Cognitive Switching Penalty, shield your team from as many distractions as possible, which includes nonessential bureaucracy and meetings. 5. Refrain from having unrealistic expectations regarding certainty and prediction. Create an aggressive plan to complete the project, but be aware in advance that Uncertainty and the Planning Fallacy mean your initial plan will almost certainly be incomplete or inaccurate in a few important respects. Update your plan as you go along, using what you learn along the way, and continually reapply Parkinson’s Law to find the shortest feasible path to completion that works, given the necessary Trade-offs required by the work. 6. Measure to see if what you’re doing is working—if not, try another approach. One of the primary fallacies of effective Management is that it makes learning unnecessary. This mind-set assumes your initial plan should be 100 percent perfect and followed to the letter. The exact opposite is true: effective Management means planning for learning, which requires constant adjustments along the way. Constantly Measure your performance across a small set of Key Performance Indicators (discussed later)—if what you’re doing doesn’t appear to be working, Experiment with another approach.

To restrain private people, it may be said, from receiving in payment the promissory notes of a banker for any sum, whether great or small, when they themselves are willing to receive them; or, to restrain a banker from issuing such notes, when all his neighbours are willing to accept of them, is a manifest violation of that natural liberty, which it is the proper business of law not to infringe, but to support. Such regulations may, no doubt, be considered as in some respect a violation of natural liberty. But those exertions of the natural liberty of a few individuals, which might endanger the security of the whole society, are, and ought to be, restrained by the laws of all governments; of the most free, as well as or the most despotical. The obligation of building party walls, in order to prevent the communication of fire, is a violation of natural liberty, exactly of the same kind with the regulations of the banking trade which are here proposed

what the specifics of that loan were, but she had always assumed that it was done out of generosity. Staring up at him now, she couldn’t believe her own naïveté. Sandro did nothing out of sheer generosity, and that loan was merely another weapon for him to use against her. “You wouldn’t,” she responded. “Lisa has done nothing to deserve this.” “Cara, I will do whatever it takes to get what I want from you.” “I have money too, I can help her…” she began desperately. “No, you have a rich father, and he had the opportunity to help Lisa, but he made his contempt of the idea more than obvious to everyone at the time, and you know that he would never support you through a messy divorce, Theresa.” “I still don’t believe you would do it! You have a reputation to uphold. You’re an honest businessman, and you wouldn’t destroy a small business just to prove a point. What kind of message would that send?” she asked. “That I’m not to be trifled with.” He shrugged. “Do you honestly think I

Conservatives, in contrast, hold more traditional ideas of liberty as the right to be left alone, and they often resent liberal programs that use government to infringe on their liberties in order to protect the groups that liberals care most about.56 For example, small business owners overwhelmingly support the Republican Party57 in part because they resent the government telling them how to run their businesses under its banner of protecting workers, minorities, consumers, and the environment.

The problem with governments is that they will tend to support these fragile organisms “because they are large employers” and because they have lobbyists, the kind of phony but visible advertised contributions so decried by Bastiat. Large companies get government support and become progressively larger and more fragile, and, in a way, run government, another prophetic view of Karl Marx and Friedrich Engels. Hairdressers and small businesses on the other hand, fail without anyone caring about them; they need to be efficient and to obey the laws of nature.

Burlington, Vermont, is an example of a certain kind of small city that David Brooks calls “Latte Towns,” enclaves of affluent and well-educated people, sometimes in scenic locales such as Santa Fe or Aspen and sometimes in university towns such as Ann Arbor, Berkeley, or Chapel Hill. Of Burlington, Brooks writes: Burlington boasts a phenomenally busy public square. There are kite festivals and yoga festivals and eating festivals. There are arts councils, school-to-work collaboratives, environmental groups, preservation groups, community-supported agriculture, antidevelopment groups, and ad hoc activist groups.… And this public square is one of the features that draw people to Latte Towns. People in these places apparently would rather spend less time in the private sphere of their home and their one-acre yard and more time in the common areas.

Persons like you say, ‘I’m an individual, therefore I oppose any power over me.’ That right there does not follow. How about ‘I’m an individual, therefore I notice and understand my place in the grand scheme of things’? I’ve heard of persons who don’t feel small in the vastness of Nature or intimidated by its challenges, and that strikes me as a lack of perspective. If all you can see is yourself, you’re not seeing very far. How about, ‘I’m an individual, therefore I notice and understand that my success depends on others’ success, because we’re all interconnected’? That does not negate my individuality or threaten my freedom. We support each other on a team. Your problem is you don’t know we’re all on the same team, because you’re too busy holding the ball, saying, ‘Mine!’, and not playing the game with good sportsmanship. Yeah, good sportsmanship. Ever heard of that?

go. In order for the data-inputting side of her job to be both profitable and bearable she had to work fast. The first time an accountant gave her a job, he’d told her it was about six to eight hours’ work. She’d done it in four, charged him for six. Since her first job she’d gotten even faster. It was like playing a computer game, seeing if she could get to a higher level each time. It wasn’t her dream job, but she did quite enjoy the satisfaction of transforming a messy pile of paperwork into neat rows of figures. She loved calling up her clients, who were now mostly small-business people like Pete, and telling them she’d found a new deduction. Best of all, she was proud of the fact that she’d supported herself and Ziggy for the last five years without having to ask her parents for money, even if it had meant that she sometimes worked well into the night while he slept. This

As [President Thomas] Jefferson realized, with no government interference by setting the rules of the game of business and fair taxation, there could be no broad middle class—maybe a sliver of small businesses and artisans, but the vast majority of us would be the working poor under the yolk [sic] of elites. The Economic Royalists know this, which gets to the root of why they set out to destroy government's involvement in the economy. After all, in a middle-class economy, they may have to give up some of their power, and some of the higher end of their wealth may even be "redistributed"—horror of horrors—for schools, parks, libraries, and other things that support a healthy middle-class society but are not needed by the rich.... As Jefferson laid out in an 1816 letter...a totally "free" market, where corporations reign supreme just like the oppressive governments of old, could transform America 'until the bulk of the society is reduced to mere automatons of misery, to have no sensibilities left but for sinning and suffering. Then begins, indeed, the bellum omnium in omnia, which some philosophers observing to be so general in this world, have mistaken it for the natural, instead of the abusive state of man.

Revitalized and healthy, I started dreaming new dreams. I saw ways that I could make a significant contribution by sharing what I’ve learned. I decided to refocus my legal practice on counseling and helping start-up companies avoid liability and protect their intellectual property. To share some of what I know, I started a blog, IP Law for Startups, where I teach basic lessons on trade secrets, trademarks, copyrights, and patents and give tips for avoiding the biggest blunders that destroy the value of intellectual assets. Few start-up companies, especially women-owned companies that rarely get venture capital funding, can afford the expensive hourly rates of a large law firm to the get the critical information they need. I feel deeply rewarded when I help a company create a strategy that protects the value of their company and supports their business dreams. Further, I had a dream to help young women see their career possibilities. In partnership with my sister, Julie Simmons, I created lookilulu.com, a website where women share their insights, career paths, and ways they have integrated motherhood with their professional pursuits. When my sister and I were growing up on a farm, we had a hard time seeing that women could have rewarding careers. With Lookilulu® we want to help young women see what we couldn’t see: that dreams are not linear—they take many twists and unexpected turns. As I’ve learned the hard way, dreams change and shift as life happens. I’ve learned the value of continuing to dream new dreams after other dreams are derailed. I’m sure I’ll have many more dreams in my future. I’ve learned to be open to new and unexpected opportunities. By way of postscript, Jill writes, “I didn’t grow up planning to be lawyer. As a girl growing up in a small rural town, I was afraid to dream. I loved science, but rather than pursuing medical school, I opted for low-paying laboratory jobs, planning to quit when I had children. But then I couldn’t have children. As I awakened to the possibility that dreaming was an inalienable right, even for me, I started law school when I was thirty; intellectual property combines my love of law and science.” As a young girl, Jill’s rightsizing involved mustering the courage to expand her dreams, to dream outside of her box. Once she had children, she again transformed her dreams. In many ways her dreams are bigger and aim to help more people than before the twists and turns in her life’s path.

When I started in real estate, despite high ambition, I was constrained by the same 24 hours as everyone else. My early success came from a grueling schedule, long hours, and the high price of near burn-out. In self-defense, I devised a system that featured direct marketing in place of traditional prospecting plus a highly effective team, with all the non-rainmaker tasks delegated to them. This took me to the top of the profession, twice #1 in RE/MAX worldwide in commissions earned, and 15 years as one of the top agents—working less hours than most. While an active agent, I consistently sold over 500 homes a year, even while starting and developing a second business, training and coaching more millionaire agents than any other coach. Without the inspiration of Dan Kennedy’s direct marketing methods and his extraordinary, extreme time-management philosophy, these achievements simply would not have been possible. LEVERAGING yourself, by media in place of manual labor, and with other people is very intimidating to most real estate agents and to most small businesspeople. It frankly is not easy to get right, but it is the quantum leap that uniquely and simultaneously lifts income and supports a great lifestyle. —CRAIG PROCTOR, CRAIGPROCTOR.COM

President and Chief Operating Officer (COO), accountable for the overall achievement of the Strategic Objective and reporting to the SHAREHOLDERS who include, on an equal basis, Jack and Murray. • Vice-President/Marketing, accountable for finding customers and finding new ways to provide customers with the satisfactions they derive from widgets, at lower cost, and with greater ease, and reporting to the COO. • Vice-President/Operations, accountable for keeping customers by delivering to them what is promised by Marketing, and for discovering new ways of assembling widgets, at lower cost, and with greater efficiency so as to provide the customer with better service, reporting to the COO. • Vice-President/Finance, accountable for supporting both Marketing and Operations in the fulfillment of their accountabilities by achieving the company’s profitability standards, and by securing capital whenever it’s needed, and at the best rates, also reporting to the COO. • Reporting to the Vice-President/Marketing are two positions: Sales Manager and Advertising/Research Manager. • Reporting to the Vice-President/Operations are three positions: Production Manager, Service Manager, and Facilities Manager. • Reporting to the Vice-President/Finance are two positions: Accounts Receivable Manager and Accounts Payable Manager.

The market is the first force that has led to the shriveling of citizenship. The classic case is the Wal-Mart effect. A town has a Main Street of small businesses and mom-and-pop shops. The shopkeepers and their customers have relationships that are not just about economic transactions but are set in a context of family, neighborhood, people, and place. Then Wal-Mart comes to town. It offers lower prices. It offers convenience. Because of its scale and might in the marketplace, it can compensate its workers stingily and drive out competition.   The presence of Wal-Mart leads the townspeople to think of themselves primarily as consumers, and to shed other aspects of their identities, like being neighbors or parishioners or friends. As consumers first, they gravitate to the place with the lowest prices. Wal-Mart thrives. The small businesses struggle and lay off workers. They cut back on their sponsorship of tee ball, their support of the food bank. As the mom-and-pops give way to the big box, and commutes become necessary, lives become more frenetic and stressful. People see each other less often. The sense of mutual obligation that townsfolk once shared starts to evaporate. Microhabits of caring and sociability fall away. In this tableau of libertarian citizenship, market forces triumph and everyone gets better deals—yet everyone is now in many senses poorer.

the absence of an ‘international standard burglar’, the nearest I know to a working classification is one developed by a U.S. Army expert [118]. Derek is a 19-year old addict. He's looking for a low-risk opportunity to steal something he can sell for his next fix. Charlie is a 40-year old inadequate with seven convictions for burglary. He's spent seventeen of the last twenty-five years in prison. Although not very intelligent he is cunning and experienced; he has picked up a lot of ‘lore’ during his spells inside. He steals from small shops and suburban houses, taking whatever he thinks he can sell to local fences. Bruno is a ‘gentleman criminal’. His business is mostly stealing art. As a cover, he runs a small art gallery. He has a (forged) university degree in art history on the wall, and one conviction for robbery eighteen years ago. After two years in jail, he changed his name and moved to a different part of the country. He has done occasional ‘black bag’ jobs for intelligence agencies who know his past. He'd like to get into computer crime, but the most he's done so far is stripping $100,000 worth of memory chips from a university's PCs back in the mid-1990s when there was a memory famine. Abdurrahman heads a cell of a dozen militants, most with military training. They have infantry weapons and explosives, with PhD-grade technical support provided by a disreputable country. Abdurrahman himself came third out of a class of 280 at the military academy of that country but was not promoted because he's from the wrong ethnic group. He thinks of himself as a good man rather than a bad man. His mission is to steal plutonium. So Derek is unskilled, Charlie is skilled, Bruno is highly skilled and may have the help of an unskilled insider such as a cleaner, while Abdurrahman is not only highly skilled but has substantial resources.

An American businessman took a vacation to a small coastal Mexican village on doctor’s orders. Unable to sleep after an urgent phone call from the office the first morning, he walked out to the pier to clear his head. A small boat with just one fisherman had docked, and inside the boat were several large yellowfin tuna. The American complimented the Mexican on the quality of his fish. “How long did it take you to catch them?” the American asked. “Only a little while,” the Mexican replied in surprisingly good English. “Why don’t you stay out longer and catch more fish?” the American then asked. “I have enough to support my family and give a few to friends,” the Mexican said as he unloaded them into a basket. “But… What do you do with the rest of your time?” The Mexican looked up and smiled. “I sleep late, fish a little, play with my children, take a siesta with my wife, Julia, and stroll into the village each evening, where I sip wine and play guitar with my amigos. I have a full and busy life, señor.” The American laughed and stood tall. “Sir, I’m a Harvard M.B.A. and can help you. You should spend more time fishing, and with the proceeds, buy a bigger boat. In no time, you could buy several boats with the increased haul. Eventually, you would have a fleet of fishing boats.” He continued, “Instead of selling your catch to a middleman, you would sell directly to the consumers, eventually opening your own cannery. You would control the product, processing, and distribution. You would need to leave this small coastal fishing village, of course, and move to Mexico City, then to Los Angeles, and eventually to New York City, where you could run your expanded enterprise with proper management. The Mexican fisherman asked, “But, señor, how long will all this take?” To which the American replied, “15-20 years, 25 tops.” “But what then, señor?” The American laughed and said, “That’s the best part. When the time is right, you would announce an IPO and sell your company stock to the public and become very rich. You would make millions.” “Millions señor? Then what?" “Then you would retire and move to a small coastal fishing village, where you would sleep late, fish a little, play with your kids, take a siesta with your wife, and stroll in to the village in the evenings where you could sip wine and play your guitar with your amigos.

My own job in Kenya was to help the refugees who had settled in the sprawling slums of Nairobi start their own businesses so they could support themselves and their families. Much of the work consisted of visiting the refugees in their small shacks, which often contained nothing more than a mattress, a kerosene lantern, a cooking pot, some boxes, and a few plastic pails to hold water and food. This kind of poverty—in which human beings are unable to satisfy their basic needs—is not something to which Jesuits, or anyone, aspires. Dehumanizing poverty is something that many Jesuits spend their entire lives combating, whether through direct work with the poor or advocacy on their behalf. The Jesuit goal of voluntary poverty in imitation of Christ is different from the involuntary poverty that is a scourge for billions across the globe. But the two are inextricably connected: living simply means that one needs less and takes less from the world, and is therefore more able to give to those who live in poverty. Living simply can aid the poor.

After the Accident Before we run out of pages, I want to tell you a little of what happened to my family after the accident. My mother moved to a small house in Western Shore. Her first concern was finding a way to support herself and Ricky. Being an ex-dancer, motorcycle rider, and treasure-hunter was not likely to open any doors, so she decided to go back to school. She enrolled in a business course in Bridgewater and began her first studies since she was 12 years old. Soon she earned a diploma in typing, shorthand, and accounting, and was hired to work in a medical clinic. Ricky had been on the island from age nine to 14, mostly in the company of adults--family members and visiting tourists--but hardly ever with anyone his own age. Life on the mainland, with the give and take and bumps and bruises of high-school life was a challenge. But he survived. In time he became a carpenter, and is alive and well and living in Ottawa. My mother made a new life for herself. She remained fiercely independent, but between a job she loved and her neighbors, she formed friendships that were deep and lasting. Of course, she missed Dad and Bobby terribly. My mother and dad had been a perfect match, and my mother and brother had always shared a special bond. Bobby’s death was especially hard on her. My mother felt responsible. One day, before the accident, Bobby had taken all he could of Oak Island. After a heated argument with Dad, Bobby packed up and left. My mother had gone after him and convinced him to return--his dad needed him. She rarely spoke of it, but that weighed heavily on her for the rest of her years. My mother never left the east coast. She was 90 years old when she died. For the last 38 years of her life, she lived in a small house on a hill, in the community of Western Shore, where, from her living room window, she could look out and see Oak Island.

Various musicians consented here and there to give the young boy lessons, but in 1781, Ludwig officially became the pupil of Christian Gottlob Neefe, the new court organist. This relationship opened up Ludwig’s first great responsibility in 1782, when Neefe temporarily traveled elsewhere, leaving his duties as organist for religious services to Ludwig. The boy had to play twice every day for the Catholic masses in addition to other special services. In 1783, the busy Neefe also asked Ludwig to take his place in playing the harpsichord (another instrument similar to a piano) for rehearsals of the court orchestra. Neefe had stretched Ludwig’s capabilities by requiring him to practice the works of Johann Sebastian Bach. Now Ludwig would have to read and play a variety of complicated musical pieces, further expanding his musical education. In addition, Beethoven began producing noteworthy compositions of his own. It was not until 1784, however, that Ludwig was officially appointed as Neefe’s assistant as court organist and finally began receiving a small salary. At last, he could help to financially support his family with his music, the purpose toward which his father had groomed him practically from babyhood. In 1787, at 16 years of age, Beethoven was sent to Vienna, Austria, to study under the musical master, Amadeus Wolfgang Mozart. It is not known whether he was able to receive lessons from Mozart, though some say that he was instructed by him in musical composition. Unfortunately, Beethoven’s mother became seriously ill with tuberculosis, and he had to hurry home from Vienna to say goodbye before her death at 40 years of age.

Science may appear to have no connection with political freedom…. Scientists are too busy with positive measures, such as productive research and the dissemination of the results of the search for truth, to take time out to refute every crackpot notion that gets into print…. If the democratic process were applied ideally, and if enough people were to accept the claims in the article as truth, then publicly supported schools and universities could be depopulated of competent faculties, whose places could be taken by quacks and political appointees. Granted that the chance of this is very small, nevertheless the imagined situation has a modern precedent. Something very similar did happen (on purely political grounds) in a European country during several years preceding the second world war. It has happened in other countries since the end of that war.

The collapse of startups should be no surprise. Ever since antitrust enforcement was changed under Ronald Reagan in the early 1980s, small was bad and big was considered beautiful. Murray Weidenbaum, the first chair of Reagan's Council of Economic Advisors, argued that economic growth, not competition, should be policymakers' primary goal. In his words, “It is not the small businesses that created the jobs,' he concluded, ‘but the economic growth.” And small businesses were sacrificed for the sake of bigger businesses.34 Ryan Decker, an economist at the Federal Reserve, found that the decline is even infecting the high technology sector. Americans look at startups over the years like PayPal and Uber and conclude the tech scene is thriving, but Decker points out that in the post-2000 period, we have seen a decline even in areas of great innovation like technology. Over the past 15 years, there are not only fewer technology startups, but these young firms are slower growing than they were before. Given the importance of technology to growth and productivity, his findings should be extremely troubling. The decline in firm entries is a mystery to many economists, but the cause is clear: greater industrial concentration has been choking the economy, leading to fewer startups. Firms are getting bigger and older. In a comprehensive study, Professor Gustavo Grullon showed that the disappearance of small firms is directly related to increasing industrial concentration. In real terms, the average firm in the economy has become three times larger over the past 20 years. The proportion of people employed by firms with 10,000 employees or more has been growing steadily. The share started to increase in the 1990s, and has recently exceeded previous historical peaks. Grullon concluded that when you look at all the evidence, it points “to a structural change in the US labor market, where most jobs are being created by large and established firms, rather than by entrepreneurial activity.”35 The employment data of small firms supports Grullon's conclusions; from 1978 to 2011, the number of jobs created by new firms fell from 3.4% of total business employment to 2% (Figure 3.2).36

...they were mixing and mingling their powerful supporters together like a hearty granola of golfballs and checkbooks.

FROM AN OPPRESSIVE MARCH TO DANCING FREE Let us not become weary in doing good, for at the proper time we will reap a harvest if we do not give up. Galatians 6:9 If you’re an American patriot who wants to restore constitutional government to our land, who wants to see big government cut back to its rightful small-government boundaries, who wants a nation once again united under the banner of faith and freedom . . . well, we know we’ve got our work cut out for us. We may have big challenges ahead, but name me a generation that didn’t. There’s nothing wrong with America that our activism and some good old-fashioned election victories can’t fix. Elections are where we the people can fire politicians who don’t abide by the Constitution; who don’t support liberty, or the right to life, or the right of an entrepreneur to follow his dream, start a business, and create jobs unhindered by burdensome regulation and crushing taxes. Our mission is to take back our government so that it once again represents a land not of government subsidies and patronage and welfare dependency, but of individual spirit, drive, and initiative; not of government direction but of individual responsibility; not of tax-fed bureaucrats but of businesses meeting real market needs and creating jobs. SWEET FREEDOM IN Action Patriotism, like faith, is for the long haul. We should never be discouraged, because God is always with us; and this is America, where anything is possible! Don’t give up!

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Media City, Dubai, UAE – Kazema Portable Toilets, one of the leading suppliers of plastic portable toilets, GRP portable toilets and sinks, and other portable sanitation equipment today, this week excitedly announced they have been named a finalist for their entry into the “RSA Customer Focus of the Year Award’ at the Gulf Capital SME Awards 2017. With all portable products being made from high quality, durable materials that can withstand the demands of sanitation, Kazema Portable Toilets carries a wide variety of ancillary products and accessories designed to assist business owners in earning more. Now in its 6th year as a regarded small to mid-sized business recognition awards ceremony, the SME Awards proudly identify startups, innovative SMES with exemplary products and services, SMEs which invest in their employees’ environment and customer strategy, and also the visionary entrepreneurs at the helm. “We’ve created a portable solution that is compatible with any business looking to add depth, expansion, and productivity to their operation,” said Raj, Founder and Owner of Kazema Portable Toilets. “We provide our clients with professional support worldwide that enables them to supply clients locally with our product, as well as harness it for widespread exportation.” Recognized for their high-stock, ready-to-use durable product today, Kazema Portable Toilets is one of the front-runners for their SME awards category. Kazema beat out hundreds in the category to be regarded as a finalist for their entrepreneurial solution to a problem every person encounters daily. “We are passionate about our work here at Kazema Portable Toilets, and we are honored to be named a finalist in such a reputable competition,” said Raj. “We want to thank SME for the recognition, and look forward to winning our category.

Thus, in a very real sense, catastrophic climate change is a matter of faith—not science. Another way to phrase it is, the scientific support for a small portion of predicted warming is pretty good, while for strong warming it is extremely speculative. Over the years

If you are a minority small business owner, and looking for Minority owned business certification Texas US you understand how systemic restrictions may make it difficult to develop your company. Obtaining certification as a Minority Firm Enterprise (MBE) may help you overcome some of these obstacles by providing you with access to programs that give professional contacts and resources that can help you grow your business. To prove eligibility, business owners must go through the application procedure and provide supporting evidence. If further information or evidence is necessary, the certification procedure might take up to 90 days or more. A company is not certified until the owner has finished the certification procedure and the certifying body has authorized it. So if you want to register your business in Texas and need help for certification then you can connect with the Cocolevio for Minority owned business certification Texas US Minority owned business certification Texas US

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Why I was successful In 2014, I was 29 years old. I was selling against companies that had been in the QuickBooks integration business for five years or more. Some competitors had millions of dollars in venture capital. Their websites were the equivalent of a five-star hotel. These competitors had large sales and marketing teams that could easily show the value of their solution. The companies had a team of programmers. I had my pajamas, a corded phone, a cookie-cutter website, and a laptop computer. I signed up about three hundred new accounts because I was the first person to pick up the phone and I spoke English. I could answer questions on what my software can automate. If there was a problem, I called the customer and we did a screenshare. You need to talk to customers on the phone and you cannot email customers to death. Many customers later told me they reached out to competitors and received no response to sales or support inquiries. These customers said they chose my company because I was responsive. Potential customers want to speak to someone in their area who understands their language. You need to connect with them. Many people signed up for Connex because they liked me over the phone. We attract many small business owners. I had similar interests and I owned a business, just like them.

Even if you show the full value, some customers will never pay. When I first started selling Connex for QuickBooks, one of my first trial users was a small startup that barely made $2,000 per month. He hammered me for support through multiple phone calls. He was trying to negotiate me down from $20 per month to an even lower price. I told him to hit the road. I learned a couple of lessons: Avoid getting too invested in trial users. Unless you have qualified a prospect, do not spend too much time with her. A common negotiating tactic is to make you invest a lot of time before trying to talk you down. Prospects figure you will not give up because you have invested so much. Avoid pricing yourself out of business. If you price your product low, people fail to see the value. They think there are hidden fees. As I raised prices, we attracted higher-value clients that were less troublesome. Avoid features. The small business and I discussed a QuickBooks sync, instead of the money we saved on data-entry. I could have asked how many hours he spent hand entering sales or how much he paid someone else for data entry.

Technology partners What kind of customers are you trying to attract? If you give API access, then you attract software developers. Can you provide the support that they need, and is it worth your time? Most companies that built for us were very small, and we failed to generate significant revenue from API access. Almost all companies use a commercial website, and custom websites are rare. Here are the pros and cons of technology partners: Pros: You place 3rd party developers on the hook for support and maintenance. You free up developer time. You can expand your customer base. You lack developers to connect to a 3rd party system. When I built a QuickBooks integration for Kentico CMS, I asked them why they never built one themselves. Their response was that QuickBooks was not their business model. Connecting to QuickBooks is challenging and it requires a heavy lift for software developers. Cons: Building an integration could take several hours. Instead of building API access, can they integrate with you in another way? We pull orders from a variety of 3rd party shipping tools. Can the customer pull their sales into the shipping tool? Some developers fail to properly maintain and support their plugin. Your customers will call you and ask your company for help. If the 3rd party fails to respond, then you are in trouble. I advise gating your developer API to legitimate software companies only. Your company must provide developer support, which is also expensive and time-consuming. We had several instances where companies required multiple calls. It is difficult for some 3rd parties to follow developer guides and estimate costs. The 3rd party may have few clients and the cost to onboard the developer exceeds the sales.

Why did Connex for QuickBooks Online succeed? Here are the reasons: I received free app store listings on Intuit’s website. My app was even on the first page of their store briefly. This drove large amounts of traffic to my site. I received free listings on many other sites before they started asking for a commission. I later pulled those listings, since the cost to advertise exceeded the revenue they brought to the company. These stores failed to show how many installs and conversions they generated. I had many positive and real reviews on my app store listings. I noticed competitors had hundreds of five-star reviews that mostly looked fake. QuickBooks Online had few integrations at the time. I was one of the first companies to get listed. For QuickBooks Canada and QuickBooks U.K., my app was one of the first system integrators. I had almost no competitors who serviced QuickBooks outside of the U.S. Shopify, BigCommerce, ShipStation and other companies had no native integration. Mine was one of the first. I recorded videos and added landing pages that ranked high on Google with minimal effort. Since I had a shoestring marketing budget, this was very important. The issue I had with other products was that they didn’t offer free promotion. Since my company was one of the first, we had ample time to add features and fix problems. We have a solution that is light years ahead of competitors. Why would someone want to compete with us? In the words of one of my partner companies, “We could build one, but yours would be a lot better.” My app required no desktop apps or website plugins to install. Since my audience was small business owners, the easier the install the better. Most business users have a limited understanding of websites. Asking them to change a bunch of settings or configure something on their own is daunting. We set up Connex for qualified users. Many competitors just let users go through a self-guided trial. We received feedback from many customers that they would purchase if they could make Connex work. I added a talk-to-sales component, and our conversion ratio increased. Connex was successful because I added a personal touch in a world where SaaS owners expect users to just “figure it out” on their own. Software that requires no support and maintenance is a pipe dream.

What we gave mostly was wine. Especially after we made this legal(!) by acquiring that Master Wine Grower’s license in 1973. Most requests were made by women (not men) who had been drafted by their respective organizations to somehow get wine for an event. We made a specialty of giving them a warm welcome from the first call. All we wanted was the organization’s 501c3 number, and from which store they wanted to pick it up. We wanted to make that woman, and her friends, our customers. But we didn’t want credit in the program, as we knew the word would get out from that oh-so-grateful woman who had probably been turned down by six markets before she called us. Everybody wanted champagne. We firmly refused to donate it, because the federal excise tax on sparkling wine is so great compared with the tax on still wine. To relieve pressure on our managers, we finally centralized giving into the office. When I left Trader Joe’s, Pat St. John had set up a special Macintosh file just to handle the three hundred organizations to which we would donate in the course of a year. I charged all this to advertising. That’s what it was, and it was advertising of the most productive sort. Giving Space on Shopping Bags One of the most productive ways into the hearts of nonprofits was to print their programs on our shopping bags. Thus, each year, we printed the upcoming season for the Los Angeles Opera Co., or an upcoming exhibition at the Huntington Library, or the season for the San Diego Symphony, etc. Just printing this advertising material won us the support of all the members of the organization, and often made the season or the event a success. Our biggest problem was rationing the space on the shopping bags. All we wanted was camera-ready copy from the opera, symphony, museum, etc. This was a very effective way to build the core customers of Trader Joe’s. We even localized the bags, customizing them for the San Diego, Los Angeles, and San Francisco market areas. Several years after I left, Trader Joe’s abandoned the practice because it was just too complicated to administer after they expanded into Arizona, Washington, etc., and they no longer had my wife, Alice, running interference with the music and arts groups. This left an opportunity for small retailers in local areas, and I strongly recommended it to them. In 1994, while running the troubled Petrini’s Markets in San Francisco, I tried the same thing, again with success, for the San Francisco Ballet and a couple of museums.

Their business strategy was fairly simple. They were hypervigilant about controlling costs, and they believed in a decentralized corporate structure. Meaning: They didn’t think every key decision should be made by the two of them or by a small group of strategists in corporate headquarters. They hired people who were smart and decent and hardworking, they put those people in positions of big responsibility, and they gave them the support and autonomy needed to do the job. They were also tremendously generous with their time and always accessible. Because of this, executives working for them always had a clear sense of what their priorities were, and their focus enabled us all to be focused, too.

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Strategy needn’t be the purview of a small set of experts. It can be demystified into a set of five important questions that can (and should) be asked at every level of the business: What is your winning aspiration? Where should you play? How can you win there? What capabilities do you need? What management systems would support it all? These choices, which can be understood as a strategic choice cascade, can be captured on a single page. They can create a shared understanding of your company’s strategy and what must be done to achieve it.

Fables and Fortune Hunters An American businessman took a vacation to a small coastal Mexican village on doctor’s orders. Unable to sleep after an urgent phone call from the office the first morning, he walked out to the pier to clear his head. A small boat with just one fisherman had docked, and inside the boat were several large yellowfin tuna. The American complimented the Mexican on the quality of his fish. “How long did it take you to catch them?” the American asked. “Only a little while,” the Mexican replied in surprisingly good English. “Why don’t you stay out longer and catch more fish?” the American then asked. “I have enough to support my family and give a few to friends,” the Mexican said as he unloaded them into a basket. “But … What do you do with the rest of your time?” The Mexican looked up and smiled. “I sleep late, fish a little, play with my children, take a siesta with my wife, Julia, and stroll into the village each evening, where I sip wine and play guitar with my amigos. I have a full and busy life, señor.” The American laughed and stood tall. “Sir, I’m a Harvard M.B.A. and can help you. You should spend more time fishing, and with the proceeds, buy a bigger boat. In no time, you could buy several boats with the increased haul. Eventually, you would have a fleet of fishing boats.” He continued, “Instead of selling your catch to a middleman, you would sell directly to the consumers, eventually opening your own cannery. You would control the product, processing, and distribution. You would need to leave this small coastal fishing village, of course, and move to Mexico City, then to Los Angeles, and eventually New York City, where you could run your expanding enterprise with proper management.” The Mexican fisherman asked, “But, señor, how long will all this take?” To which the American replied, “15–20 years. 25 tops.” “But what then, señor?” The American laughed and said, “That’s the best part. When the time is right, you would announce an IPO and sell your company stock to the public and become very rich. You would make millions.” “Millions, señor? Then what?” “Then you would retire and move to a small coastal fishing village, where you would sleep late, fish a little, play with your kids, take a siesta with your wife, and stroll to the village in the evenings where you could sip wine and play your guitar with your amigos …

Today’s second wave of customer service as practiced by some organizations — and it should be the customer service delivered by all companies of one — focuses on emotion and ease. A study from McKinsey showed that 70 percent of buying experiences are based more on how customers feel they are treated and less on the tangibles of a product. The feeling of being treated exceptionally well can only increase in the context of a second purchase or a subscription renewal, because the customer has already developed a feeling about how the first purchase went or how any support requests were handled.

supported by someone who has experience, expertise, and perspective that you need, who is invested enough in your success and growth to gently direct your attention to the most significant things in your situation—the small changes that can make a big difference as you tackle those choices and challenges.

Meet Joseph Solinger, a dedicated project manager residing in Myrtle Beach, SC. With aspirations of becoming a small business owner, Joseph is driven by his entrepreneurial spirit. He has a diverse range of interests, including football, baseball, UFC, and supporting his children's sports activities.

Simple Fast Funnels VS Hubspot There are 2 primary factors to consider when exploring Simple Fast Funnels VS Hubspot… Available Features. Price. Hubspot is a powerful platform, there’s no denying that, but they lack a few features that Simple Fast Funnels offers: 2 way SMS so you can send one way messages to your clients OR interactive messages. You can automate answers or have your customers reach you or customer service directly. Unified messaging. Housing all messages for particular customers in one place lets you simplify customer service. They can text, email, schedule calls or FB message you and you’ll see it all in one location. Simple Fast Funnels customer service has 24/7 chat support and guides you through any hiccups you may experience as you build your funnel. Simplified funnel building. No tech knowledge required. The biggest factor comparing these two platforms however is price: Hubspot charges a small fortune for their good features. Their price is over 10X the cost of Simple Fast Funnels. Simple Fast Funnels saves you thousands, or even tens of thousands yearly and you don’t get less features, you get MORE… We believe you should be able to run your business without paying rates like these. Call us old fashioned if you like. For Hubspot’s premium service, you’ll pay $3,600/month. That’s a lot of revenue to come up with each month just to pay for your operating platform. For Simple Fast Funnel’s premium service, you’ll get the same features and more for $297/month. If you haven’t tried Simple Fast Funnels out yet, we offer a 14 day free trial, that’s how sure we are you’re going to love this service.

Finance capital subordinates the Canadian State more and more directly to its interests and control. State-monopoly capitalism — the integration or merging of the interests of finance capital with the state — is a new stage in the extension of corporate control to all sectors of economic and political life. The government, while seemingly independent of specific corporate interests, has become predominantly the political instrument of a small group comprising the top monopoly capitalists for exercising control over the rest of society. Finance capital uses the state to provide orders, capital and subsidies, and to secure foreign markets and investments. Monopoly capital supports the expansion of the state sector — both services and enterprises — when that serves its interests, and at other times it uses the state to cut back and privatize. The state is also used to redistribute income and wealth in favour of monopoly interests through the tax system, and through legislation to drive down wages and weaken the trade union movement. State-monopoly capitalism undermines the basis of traditional bourgeois democracy. The subordination of the state to the interests of finance capital erodes the already limited role of elected government bodies, federal, provincial and local. Big business openly intervenes in the electoral process on its own behalf, and also indirectly through a network of pro-corporate institutes and think tanks. It uses its control of mass media to influence the ideas and attitudes of the people, and to blatantly influence election results. It corrupts the democratic process through the buying of politicians and officials. It tramples on the political right of the Canadian people to exercise any meaningful choice, thereby promoting widespread public alienation and cynicism about the electoral process.

In 2016,” he says, “after Trump was elected, I realized that America had declined to the point that we were willing to put a complete idiot in the White House. A con man with almost no objective qualifications for the office. Trump had obviously racist beliefs, criminal tendencies, serious problems with women, repeated business failures, no ethics whatsoever, no conscience, no remorse. He even despised the military. Yet white America, in its panic, wrapped their arms around the guy and rode him all the way into Washington. Even the evangelicals went with him. And why? Because he personified all their secret hopes and fears and prejudices. He gave them permission to be their real selves. Their worst selves. In essence, he was a living ‘Fuck you’ to everyone who ever made a rube feel stupid, or small, less than the next guy. He still is. He’s the white O.J. Simpson, Penn. His supporters know he’s guilty—of all of it—but they don’t give a shit. That’s not the point for them. Anyway, the myth of my grade-school years was finally true: anybody could become president! Anybody with sufficient fame, and the willingness to say and do anything necessary to win, that is.” Bobby turns and scans the bluff once more, from habit probably,

Daniel nodded and sat down. ‘Seeing the Earth like that, Rac. I mean - you’ve always known it was just a ball in space. But seeing it for the first time .... It brings it home to you just how bloody stupid and small-minded national boundaries and wars are. We’re a speck of nothingness. We’ve got one tiny planet and all we can do is fight over it and poison it. There’s nothing else we can live on for billions and billions of miles, and only a four-mile layer of the Earth can support us. That’s from sea-level to a height of twenty-thousand feet. Just four miles. Think what a four-mile drive is, Rac - from here to the outside of town. A million years of human history acted out in a microscopic four-mile wide belt - the same one that we’ve got to use for our future ... assuming we’ve got one.’ Raquel had sat opposite Daniel during his outburst. She studied him intently, her eyes large and serious. ‘Do you want to stop this business? Because if you do, I’d be happy to as well.’ ‘I thought you liked adventure and excitement?’ ‘There’s precious little adventure and excitement in what we’re doing, Daniel. I like running this place because I’m with you. That’s all that matters to me now, Daniel - being with you - doing what you want.’ He shook his head, undecided. ‘Right now I don’t know what I want, Rac.’ ‘If you want to carry on, you’ve got to tell them at home what you’re doing. We can’t carry on alone and you know we can’t.’ Daniel smiled and drew Raquel on to his lap. ‘I had a crazy dream of returning home with all the drawings.’ ‘And be hailed as your country’s saviour?

The loans for new farms around Waldron were parceled out by small banks with local branches, like Chambers Bank of Danville, Arkansas, or Regions Bank in Alabama. These banks became a loan mill, churning out hundreds of loans to Laotian immigrants so they could overhaul existing farms or build new ones. The paperwork for these loans reflected the same sort of hazy math and willful blindness that characterized the wave of subprime mortgages being extended from Las Vegas to Florida. To get a loan from Chambers or Regions Bank, farmers had to submit a Farm and Home Plan that justified the amount of money they would borrow. The plan was meant to show how much money the farmers could reasonably expect to earn from their operation, balanced against the amount of income they would need to keep the farm running and support their family. If earnings from the farm were enough to support the family and cover expenses, then the loan could be approved. A review of the Farm and Home Plans submitted by a single loan officer in Arkansas named Larry Skeets reveals the sort of rigor that went into the process.7 The paperwork for Tria and Mai Xiong, for example, shows that the couple and their son planned to spend about $20,000 a year for their living expenses. That budget made their loan application look pretty feasible, leaving the family a total annual income of about $61,000 a year after expenses. Curiously, it appears that farmers Lue Her and Mai Yang also budgeted $20,000 a year in living expenses, according to loan documents, even though it was just the two of them, with no children. Strikingly, a farmer named Tou Lee also budgeted $20,000 a year in living expenses. So did Lao. All these families decided to budget their living expenses at $20,000, which was luckily just the right amount to make their farms appear profitable on paper.

Tom Miller’s Producer Protection Act initially got a warm reception in the Iowa legislature. It was one of those bills that seemed hard to argue against. It shifted power from out-of-state corporations to local communities. It stood up for independent farmers and the small businesses that supported them. Then, quietly, the legislation started to die the slow death that visits most bills seeking to constrain big meat corporations. In lobbying-speak, the bill started to “carry water.” Enthusiasm waned. Legislators suddenly had reservations. They didn’t return phone calls. Previous supporters had to take a second look. It seemed that calls were being made, from office to office. Lobbyists were paying visits to legislators. Leaders in the Iowa legislature weren’t willing to bring the bill to the floor for debate. There were other priorities. Maybe next session, they said. Many of the legislators seemed to be reading from one script. They said their big concern was that onerous legislation might drive the hog industry out of Iowa. The hog business was one of the last vibrant industries that called Iowa home. Better not to endanger it.

Understandably, given public anger at bailouts, support had been gathering from both the right and the left for breaking up the largest institutions. There were also calls to reinstate the Depression-era Glass-Steagall law, which Congress had repealed in 1999. Glass-Steagall had prohibited the combination within a single firm of commercial banking (mortgage and business lending, for example) and investment banking (such as bond underwriting). The repeal of Glass-Steagall had opened the door to the creation of “financial supermarkets,” large and complex firms that offered both commercial and investment banking services. The lack of a new Glass-Steagall provision in the administration’s plan seemed to me particularly easy to defend. A Glass-Steagall–type statute would have offered little benefit during the crisis—and in fact would have prevented the acquisition of Bear Stearns by JPMorgan and of Merrill Lynch by Bank of America, steps that helped stabilize the two endangered investment banks. More importantly, most of the institutions that became emblematic of the crisis would have faced similar problems even if Glass-Steagall had remained in effect. Wachovia and Washington Mutual, by and large, got into trouble the same way banks had gotten into trouble for generations—by making bad loans. On the other hand, Bear Stearns and Lehman Brothers were traditional Wall Street investment firms with minimal involvement in commercial banking. Glass-Steagall would not have meaningfully changed the permissible activities of any of these firms. An exception, perhaps, was Citigroup—the banking, securities, and insurance conglomerate whose formation in 1998 had lent impetus to the repeal of Glass-Steagall. With that law still in place, Citi likely could not have become as large and complex as it did. I agreed with the administration’s decision not to revive Glass-Steagall. The decision not to propose breaking up some of the largest institutions seemed to me a closer call. The truth is that we don’t have a very good understanding of the economic benefits of size in banking. No doubt, the largest firms’ profitability is enhanced to some degree by their political influence and markets’ perception that the government will protect them from collapse, which gives them an advantage over smaller firms. And a firm’s size contributes to the risk that it poses to the financial system. But surely size also has a positive economic value—for example, in the ability of a large firm to offer a wide range of services or to operate at sufficient scale to efficiently serve global nonfinancial companies. Arbitrary limits on size would risk destroying that economic value while sending jobs and profits to foreign competitors. Moreover, the size of a financial firm is far from the only factor that determines whether it poses a systemic risk. For example, Bear Stearns, which was only a quarter the size of the firm that acquired it, JPMorgan Chase, wasn’t too big to fail; it was too interconnected to fail. And severe financial crises can occur even when most financial institutions are small.

Action Steps 1. Look for common characteristics, such as age and gender, among your profitable clients that also refer business. 2. Uncover a common frustration among your target market. 3. Write a description of your ideal target market in terms that are easy to communicate. 4. Determine whether your ideal target market is large enough to support your business.

We kissed once.” She spoke quietly and lowered her gaze. “I esteem you greatly, Joseph Carrington, though I have wondered if my efforts in that kiss were sufficiently unmemorable as to make you regret the occasion.” He was so busy trying to muster the discipline to let go of her hand and take himself off that her words didn’t register immediately in his befuddled mind. She esteemed him greatly? “Louisa, your efforts were not… unmemorable.” He saw her drop frosty politesse over the hint of vulnerability in her eyes, felt her spine stiffen fractionally—and knew he’d said the wrong thing. He could not abide those withdrawals, however subtle. “Louisa, since we kissed, I have thought of little else, and I esteem you greatly, as well. Very greatly.” While Joseph watched, a blush, beautiful and rosy, stole up Louisa Windham’s graceful neck. “I have had occasion to consider that kiss a time or two myself,” she said. He thought her voice might have been just a trifle husky. Hope, an entire Christmas of hope, blossomed in the center of his chest. “Perhaps you would like a small reminder now?” He would adore giving her a reminder. A reminder that took the rest of the afternoon and saw their clothes strewn about the chamber. Twelve days of reminders would work nicely, with a particular part of Joseph’s body promptly appointing itself Lord of Misrule. He would not push her, but he would get a cane, the better to support himself should random insecurity threaten his knees in future. Louisa lifted her gaze to his and seemed to visually inventory his features. After suffering her perusal for an eternity, Joseph let out a breath when she twined her arms slowly around his neck. He would not harry her. It would be a chaste kiss, a kiss to reassure— Louisa Windham did not need any reminders about how to kiss a man. She gently took possession of Joseph’s mouth, plundered his wits, and stole off with his best intentions.

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and Medicaid, which would help expand coverage and bring down costs. The other thing we should be honest about is how hard it’s going to be, no matter what we do, to create significant economic opportunity in every remote area of our vast nation. In some places, the old jobs aren’t coming back, and the infrastructure and workforce needed to support big new industries aren’t there. As hard as it is, people may have to leave their hometowns and look for work elsewhere in America. We know this can have a transformative effect. In the 1990s, the Clinton administration experimented with a program called Moving to Opportunity for Fair Housing, which gave poor families in public housing vouchers to move to safer, middle-income neighborhoods where their children were surrounded every day by evidence that life can be better. Twenty years later, the children of those families have grown up to earn higher incomes and attend college at higher rates than their peers who stayed behind. And the younger the kids were when they moved, the bigger boost they received. Previous generations of Americans actually moved around the country much more than we do today. Millions of black families migrated from the rural South to the urban North. Large numbers of poor whites left Appalachia to take jobs in Midwestern factories. My own father hopped a freight train from Scranton, Pennsylvania, to Chicago in 1935, looking for work. Yet today, despite all our advances, fewer Americans are moving than ever before. One of the laid-off steelworkers I met in Kentucky told me he found a good job in Columbus, Ohio, but he was doing the 120-mile commute every week because he didn’t want to move. “People from Kentucky, they want to be in Kentucky,” another said to me. “That’s something that’s just in our DNA.” I understand that feeling. People’s identities and their support systems—extended family, friends, church congregations, and so on—are rooted in where they come from. This is painful, gut-wrenching stuff. And no politician wants to be the one to say it. I believe that after we do everything we can to help create new jobs in distressed small towns and rural areas, we also have to give people the skills and tools they need to seek opportunities beyond their hometowns—and provide a strong safety net both for those who leave and those who stay. Whether it’s updating policies to meet the changing conditions of America’s workers, or encouraging greater mobility, the bottom line is the same: we can’t spend all our time staving off decline. We need to create new opportunities, not just slow down the loss of old ones. Rather than keep trying to re-create the economy of the past, we should focus on making the jobs people actually have better and figure out how to create the good jobs of the future in fields such as clean energy, health care, construction, computer coding, and advanced manufacturing. Republicans will always be better at defending yesterday. Democrats have to be in the future business. The good news is we have

By 2012, long after the economic collapse, average consumers and small businesses were still hurting, but corporations large enough to finance fleets of Washington lobbyists were raking it in. Big agribusiness continues to claim hundreds of billions of dollars in price supports and ethanol subsidies, paid for by American consumers and taxpayers. Big Pharma gets extended patent protection that drives up everyone’s drug prices, plus the protection of a federal law making it a crime for consumers to buy the same drugs at lower prices from Canada. Big oil gets its own federal tax subsidy, paid for by taxpayers.

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Mary Johnson may have been the first African American woman. She arrived sometime before 1620 as the maid of a Virginia planter. Like white women, the black residents of the early southern colonies found opportunities in the general chaos around them. Johnson and her husband were indentured servants, and once they earned their freedom, they acquired a 250-acre farm and five indentured servants of their own. By the mid–seventeenth century, a free black population had begun to emerge in both the North and the South. African American women, who weren’t bound by the same social constraints as white women, frequently set up their own businesses, running boardinghouses, hair salons, or restaurants. Catering was a particularly popular career, as was trading. In Charleston, South Carolina, black women took over the local market, selling vegetables, chickens, and other produce they acquired from the growing population of slaves, who generally had small plots beside their cabins. The city came to depend on the women for its supply of fresh food, and whites complained long and loud about the power and independence of the trading women. In 1686, South Carolina passed a law prohibiting the purchase of goods from slaves, but it had little effect. A half century later, Charleston officials were still complaining about the “exorbitant price” that black women charged for “many articles necessary for the support of the inhabitants.” The trading women had sharp tongues, which they used to good effect. The clerk of the market claimed that the “insolent and abusive Manner” of the slave women made him “afraid to say or do Anything.” It’s hard to believe the marketers, some of whom were slaves, were as outspoken as their clientele made them out to be, but the war between the black female traders and their customers continued on into the nineteenth century. (One petition in 1747 said that because of the market “white people…are entirely ruined and rendered miserable.”) The

Local power is also the realm of the small nonprofit, church, and civic association. A handful of people, properly organized, can drive enormous changes in a city’s dynamics. I’ll offer yet another example from Portland, Oregon. A group of water-conservation enthusiasts, frustrated at the illegal status of graywater reuse in the city and state, formed an organization called Recode. Although many in the group were young, among them they had built solid relationships with a number of local officials, business leaders, and other key people in the politics of the area. Recode pooled their respective connections to gather together relevant stakeholders, such as health officials, state legislature staff, the plumbing board, and developers. To the surprise of all, everyone at the meeting supported graywater use. So, everyone wondered, what was up? A state legislature staffer in attendance zeroed in on the main obstacle: There was no provision in the state codes for graywater. Legally, all of Oregon’s water fell into one of two categories, potable water or sewage. Since graywater was not potable, it had to be considered sewage. The staffer told them, “So, all we need to do is create a third water category, graywater.” They drafted a resolution doing that, got it to their state representative, and it passed at the next legislative session. After three subsequent years of bureaucratic wrangling and gentle pressure from Recode, graywater use became legal in Oregon. Recode then tackled urban composting toilets as their next target for legalization.

What’s the matter, chile? The debil chasin’ after you?” Emma paused to take a deep breath and recover her dignity. “Yes,” she said. “Do you know where Chloe put Mr. Fair—Steven’s pistol?” “She done locked it up in her desk drawer with the derringer. Why? You gonna give it back to him?” Emma nodded, then proceeded toward the hallway. “I most certainly am.” “Why you wanna do that?” Daisy fussed, following her out of the kitchen and into Chloe’s study. Finding the key in its customary hiding place, Emma unlocked Chloe’s desk and lifted the formidable Colt .45 gingerly from its depths. “There’s always the hope that he’ll shoot himself,” she said cheerfully. Daisy shrank back against the doorway. “Miss Emma, you put that thing down right now, or I’s gonna take you over my knee and paddle you!” Emma raised the gun and sited in on a book shelf across the room. She wondered what it would be like to fire the weapon. In the next instant she found out, for the gun went off with no intentional help from Emma, and several of Chloe’s leatherbound books exploded into a single smoldering tangle of paper. Daisy screamed and so did Emma, who dropped the gun in horror only to have it fire again, this time splintering the leg of Big John’s favorite chair. “Don’t you dare touch that thing again!” Daisy shrieked, when Emma bent to retrieve it. Emma left the pistol lying on the rug and straightened up again, one hand pressed to her mouth in shock. The two women stood in their places for a long time, afraid to move. Emma, for her part, was busy imagining all the dreadful things that could have happened. She was amazed to see Steven stumble into the room, fully dressed except for his boots, drenched in sweat from the effort of making his way down the stairs in a hurry. The expression in his eyes was wild and alert, almost predatory. “What the hell’s going on in here?” he rasped. Emma pointed to the pistol as though it were a snake coiled to strike. “It went off—twice.” Steven was supporting himself by grasping the edge of Chloe’s desk. “Pick it up very carefully and hand it to me,” he said. Emma bit her lower lip, remembering what had happened when she’d handled the gun before. “You can do it,” Steven urged. “Just make sure you don’t touch the hammer or the trigger.” Emma crouched and picked it up cautiously. The barrel was hot against her palm. “Here,” Steven said, holding out his hand. Emma surrendered the gun, and leaning back against the desk, Steven spun the chamber expertly, dropping the four remaining bullets into his palm. He gave a ragged sigh, then just stood there, cradling the pistol in his hands like a kitten or a puppy. “I was going to bring it to you,” Emma confessed in a small voice. “She was hopin’ you’d blow your brains out with it,” Daisy muttered, before she turned and went back to the kitchen. Steven

No major piece of work should be fully funded before we have evidence to support the business and economic model on which it is based, and this exploration must be done with small, cross-functional teams with a limited runway,

Mackey created a repeatable process of selling high-quality natural and organic products in communities with the right appetite for a brand that relies on customer affinity. It takes a combination of understanding market demand and market size and having repeatable processes to support that market to have a scalable business. And Mackey had to strive to sustain innovation in a world where even Walmart peddles organic foods.

Summers also claimed that technology was reducing the demand for capital. Digital businesses, such as Facebook and Google, had established dominant global franchises with relatively little invested capital and small workforces. In his book The Zero Marginal Cost Society (2014), the social theorist Jeremy Rifkin heralded the passing of traditional capitalism.16 If the Old Economy was marked by scarcity and declining marginal returns, Rikfin argued that the New Economy was characterized by zero marginal costs, increasing returns to scale and capital-lite ‘sharing’ apps (such as Uber, Lyft, Airbnb, etc.). The demand for capital and interest rates, he said, were set to fall in this ‘economy of abundance’. There was some evidence to support Rifkin’s claims. The balance sheets of US companies showed they were using fewer fixed assets (factories, plant, equipment, etc.) and reporting more ‘intangibles’ – namely, assets derived from patents, intellectual property and merger premiums. In much of the rest of the world, however, the demand for old-fashioned capital remained as strong as ever. After the turn of the century, the developing world exhibited a voracious appetite for industrial commodities that required massive mining investment. China embarked on what was probably the greatest investment boom in history. Before and after 2008, global energy consumption rose steadily. The world’s total investment (relative to GDP) remained in line with its historical average.17 Rifkin’s ‘economy of abundance’ remained a tantalizing speculation.

Finding Reliable Bookkeeping Services Near You Maintaining accurate financial records is critical for any business, and bookkeeping services play an essential role in ensuring that your financial data is organized and up-to-date. Whether you run a small business or a large enterprise, outsourcing your bookkeeping to a local professional can save you time, reduce errors, and improve overall financial management. If you’re searching for bookkeeping services near you, finding the right provider can significantly impact your business’s financial health. The Benefits of Local Bookkeeping Services Hiring a local bookkeeping service offers several advantages, starting with personalized attention. Local providers are more familiar with regional tax laws and regulations, which can ensure that your business remains compliant. Additionally, face-to-face meetings are much easier to arrange, allowing for more effective communication and tailored services that meet your specific needs. Moreover, working with a nearby bookkeeping service enables quick access to your financial data and faster problem resolution. Should any questions arise, having someone local means you can address them promptly, improving the efficiency of your financial management. What to Look for in a Bookkeeping Service When searching for bookkeeping services near you, consider their experience and expertise. Professional bookkeepers should be well-versed in various accounting software programs, such as QuickBooks or Xero, and should have experience working with businesses in your industry. Additionally, ensure that the bookkeeping service offers a comprehensive range of services, including managing accounts payable and receivable, reconciling bank statements, and preparing financial reports. Reviews and recommendations from other businesses in your area can provide valuable insights into the reliability and trustworthiness of the bookkeeping service you’re considering. Checking for certifications, such as a CPA license, can further validate their credibility. Ongoing Support and Compliance Local bookkeeping services can also help ensure that your business stays compliant with tax regulations. By keeping track of all financial transactions and maintaining accurate records, they make tax preparation seamless. This support helps minimize the risk of errors and penalties during tax season. In conclusion, finding the right bookkeeping service near you can make a significant difference in how efficiently you manage your finances. With personalized attention, local expertise, and ongoing support, a professional bookkeeper ensures that your business’s financial health remains on track.

Finding the Best Accounting Firms Near You In today’s business landscape, having the right accounting firm can make a significant difference in managing your finances, ensuring compliance, and planning for growth. Whether you are a small business owner or an individual seeking tax advice, finding the best accounting firms near you can provide the expertise and support needed to maintain financial stability. Why Local Accounting Firms Matter Choosing a local accounting firm offers several advantages, especially when it comes to personalized service and understanding local regulations. Local firms are familiar with state-specific tax laws and compliance requirements, which can save time and prevent costly mistakes. Moreover, they offer face-to-face meetings, allowing for better communication and a stronger relationship between the accountant and the client. This personalized approach ensures that the accounting services are tailored to your unique needs. Services Offered by the Best Accounting Firms The top accounting firms near you typically offer a wide range of services that cater to both businesses and individuals. These services may include bookkeeping, tax preparation, payroll management, financial consulting, and auditing. Additionally, many accounting firms provide specialized services such as estate planning, business valuations, and forensic accounting. With such comprehensive services, the best firms ensure that every aspect of your financial management is handled efficiently and professionally. Expertise and Experience One of the most important factors in choosing the best accounting firm is the level of expertise and experience they offer. Reputable firms have a team of certified public accountants (CPAs) and professionals with years of experience in various industries. This allows them to provide valuable insights, strategic advice, and accurate financial reporting. Furthermore, experienced firms are better equipped to handle complex financial situations, ensuring that your business remains compliant and financially sound. Reviews and Reputation Before making your decision, it’s important to research reviews and the reputation of the accounting firms near you. Online reviews and testimonials can provide insight into the experiences of past clients and help you choose a reliable firm. Additionally, asking for referrals from other business owners or professionals in your area can guide you toward a trustworthy accounting partner. In conclusion, finding the best accounting firms near you is crucial for managing finances and ensuring compliance. By considering factors such as local expertise, services offered, and reputation, you can choose an accounting firm that meets your specific financial needs and goals.

There are three clear benefits of being a part of a mastermind: Growth. By surrounding yourself with folks who can provide you with informed advice, qualified referrals, and critical constructive feedback on your failures in a safe space, you are setting yourself up with the resources and guidance you need to focus on growing your business. Hopefully there’s at least one other person on each call who has more experience in a specific area than you do. There are some things in my business that I’m pretty damn confident I’m good at. But I know I have blind spots in other areas. I can bring those things to my mastermind because they don’t have the same blind spots. Accountability. As many solo founders know, keeping yourself accountable with no outside forces can be challenging. During most mastermind meetings, there is a point in time when each member is in the hot seat, discussing past goals and their progress, setting new goals and tracking them, and reporting back to the other members with updates along the way. By asking your group to keep you accountable to your business, you’re also committing to holding them accountable. A good mastermind also forces you to look at your weaknesses. You can bring your weakest attributes in front of this small group of trusted individuals who know your story, your revenue, your growth rate, and all your foibles—personally and professionally. Your mastermind will tell you things that if your spouse said them, you’d ignore them. (Ask my wife about that.) Support. Humans are social beings. Napoleon Hill says that the convergence of two individual minds creates a third, invisible force that combines the strength of both of its components. When you share your vulnerabilities and successes with others, you magnify your own experience and make it the experience of those around you. The power that comes from those shared experiences can be just as compelling and empowering as your individual success. Three of my favorite entrepreneurial communities are Indie Hackers, the Dynamite Circle, and of course, MicroConf.

Finding the Right Accounting Firm Near You Choosing the right accounting firm is crucial for managing your financial records and ensuring compliance with regulations. Whether you’re a small business owner or an individual in need of tax services, working with a local accounting firm can provide personalized support and expertise. By finding a firm near you, you can establish a close working relationship and enjoy the convenience of in-person consultations, making it easier to address your specific financial needs. Benefits of Working with a Local Accounting Firm One of the main advantages of working with a local accounting firm is the ability to meet face-to-face. This personal interaction helps build trust and fosters a stronger understanding of your financial situation. Local firms are also more familiar with regional tax laws, regulations, and business practices, allowing them to offer tailored solutions that align with your needs. Additionally, local firms often provide quicker response times and more personalized services compared to larger, national firms, which can be beneficial for small businesses and individuals. Services Offered by Accounting Firms Near You Most local accounting firms provide a wide range of services that cater to both businesses and individuals. These services include bookkeeping, tax preparation, payroll management, auditing, and financial consulting. For businesses, accounting firms offer valuable assistance with tax compliance, budgeting, and cash flow management. Individuals can also benefit from services such as personal tax filing, retirement planning, and estate management. Many firms also offer specialized services tailored to specific industries, ensuring that they meet the unique needs of their clients. How to Choose the Best Local Accounting Firm When searching for the best accounting firm near you, it’s important to consider factors like experience, reputation, and the range of services offered. Start by looking for firms that specialize in your industry or financial needs. Additionally, check reviews and ask for recommendations from local businesses or colleagues. It’s also a good idea to schedule an initial consultation to assess the firm’s approach and ensure it aligns with your financial goals. Conclusion In conclusion, finding the right accounting firm near you can significantly enhance your financial management. By working with a local firm, you benefit from personalized services, in-depth regional knowledge, and a close working relationship. With the right partner, you can ensure that your financial records are accurate, compliant, and aligned with your long-term goals.

The Importance of Bookkeeping Services for Businesses Effective bookkeeping is the foundation of any successful business. It involves the systematic recording, organizing, and managing of a company’s financial transactions. Whether you're a small business owner or running a large corporation, bookkeeping services help ensure that your financial records are accurate, up-to-date, and compliant with regulations. By outsourcing bookkeeping tasks to professionals, businesses can focus on growth and core operations without worrying about financial details. What Is Bookkeeping? Bookkeeping is the process of maintaining accurate records of all financial transactions, including sales, purchases, receipts, and payments. It involves organizing these records into categories like income, expenses, assets, and liabilities. The information generated through bookkeeping is essential for creating financial statements, tax filings, and understanding the overall financial health of the business. However, managing these tasks manually can be time-consuming and prone to errors, which is why many businesses opt for professional bookkeeping services. Benefits of Professional Bookkeeping Services One of the key benefits of hiring professional bookkeeping services is the accuracy they bring to financial management. Experienced bookkeepers are well-versed in the latest accounting software and financial regulations, ensuring that all records are kept accurately and consistently. Additionally, outsourcing this task allows business owners to save time and focus on other aspects of their business. As a result, they can make better financial decisions based on reliable data. Improved Financial Reporting Accurate bookkeeping leads to better financial reporting, which is critical for making informed business decisions. By keeping detailed and organized records, bookkeepers provide valuable insights into cash flow, profitability, and expenses. This allows businesses to plan their budgets more effectively, track financial performance, and identify areas for cost-saving or investment. Tax Compliance and Preparation Another important advantage of bookkeeping services is the ability to stay compliant with tax regulations. Bookkeepers ensure that all financial records are properly maintained and ready for tax season. With accurate and up-to-date records, businesses can avoid penalties and reduce the risk of audits, making tax preparation much smoother. In conclusion, professional bookkeeping services offer businesses the support they need to manage their financial records accurately and efficiently. By ensuring proper financial reporting and tax compliance, these services contribute to long-term financial stability and growth.

In my view, Amazon’s culture is unusually supportive of small businesses with big potential, and I believe that’s a source of competitive advantage.

Some examples of chips that you can give and/or receive at work include: • Encouraging words, including authentic praise and the specifics of what was done well. • Supportive words, including genuine empathy for difficult situations. • Small talk, including asking personal (but not private) questions about family members, pets, recent personal events, etc. • Sincere compliments on clothing, professional skills, or business sense. • Sharing personal (but not private) details from your own life. • Asking for the other person’s input, opinion, advice. • Little gifts, like a cup of coffee. • Thank-you notes. [...] everyone with whom you interact keeps a chip bankbook on you. All day long you are gaining and losing chips with your direct reports, peers, and higher-ups. They know where you stand with them at any given moment, and you know where they stand with you. . . . One of the most important rules . . . is that we always make it equal in the end— that is, if someone tries to take away our chips, we will find a way to even the score. [...] To manage your relationships in a savvy manner at work, find out who values what kind of chips, and then stockpile those particular types of chips with others who can help you be more productive and successful.

A CHARTER FOR LIFE ON EARTH Listed in Alphabetical Order Right Action: Join and support organisations and political parties dedicated to the welfare of the Earth. Dissent skilfully about war, environmental destruction, economic targets and corruption in governments and corporations affecting the lives of people and animals. Dissent about harm and destruction of natural resources, land, water, and air. Engage in ethical investments and support worthwhile projects. Support and develop, as fully as possible, spirituality, religion, arts, science and philosophies that support the Earth and all its occupants. Right Conservation: Save energy. Use less oil. Conserve water. Wear more clothes at home and work out to keep warm rather than turning up the heating. Examine every area of your home and the rest of your life to see where you can save energy. Apply the principles of conservation to every area of your life. Campaign for switching off lights and energy at night in government and business offices, large and small.

You have to state why and how your business is going to be the leader. If the niche already exists, so too does a leader. Displacing an incumbent leader is always possible, but it is difficult. It’s not something to bet on, unless you have a source of competitive advantage that is totally compelling. Typically, star-venture start-ups create their own niche. If the niche proves viable, the venture starts in the wonderful position of ‘born leader’. To create a viable new niche is tough. The large majority of attempts to create a niche fail. Why? Two conditions must be met: ★ There must be a gap in the market. All existing players must have overlooked the gap, or judged it too small, too unprofitable or too implausible. For sure, this is possible. But it is not very likely. ★ There must be a market in the gap. The gap must be large enough to support at least one new venture (yours) profitably. This, too, is not probable.

Newchip Accelerator Reviews - Supporting Entrepreneurs Newchip Accelerator provides entrepreneurs with the tools and skills necessary to first fund, then build and scale businesses. Supporting entrepreneurs and helping them succeed is the core tenet of the program, and its results are evident in the many positive reviews they’ve received. Newchip Accelerator has reached over 250 cities and built a mentor network of more than 500 professionals. Programs range from pre-accelerator small programs to the top-level accelerator.

This kind of blight can’t be easily blamed on the usual suspects like government or counterculture or high-hat urban policy. The villain that did this to my home state wasn’t the Supreme Court or Lyndon Johnson, showering dollars on the poor or putting criminals back on the street. The culprit is the conservatives’ beloved free-market capitalism, a system that, at its most unrestrained, has little use for smalltown merchants or the agricultural system that supported the small towns in the first place. Deregulated capitalism is what has allowed Wal-Mart to crush local businesses across Kansas and, even more important, what has driven agriculture, the state’s raison d’être, to a state of near collapse. “The

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As a Marketer (specifically a Digital Marketer) your job is not to prove the operational or fulfillment side of your company wrong by providing so much activity it proves fundamental flaws in the systems, but rather to ensure the activity you are creating is educated, nurtured and that the internal operational systems are in place to support the operational side of your organization so that it can quickly pivot and learn from the data your activity creates. A marketer has to be able to market externally, but also systematically utilize that data to change strategies when and if needed internally. How and what to do with the activity's data is a responsibility that falls with production\fulfillment AND marketing\sales. "I brought you 1,000 inbound leads it's not my fault we couldn't fulfill them" is no longer acceptable.

As we approached our fifth small hill and were well into the Powerline Road, fatigue started to take hold. Just below the crest, my legs turned heavy, and I was losing ground. In the moment before I was going to concede, I felt something on the small of my back. My Italian friend has timed his reach perfectly and was guiding me to the top. It turns out that those 10 seconds of help were all I needed to finish with the pack. As we gathered, post-ride, and mingled around the cars, I thanked my ride saver for the assistance. After denying he had any role a few times, he smiled and said, "Sometimes, a helping hand is all we need to improve.

The financial decline of farming towns has become an accepted fact of American life, and the economic plight of farmers (who seem to complain incessantly about their low prices, high debt, and the ever-present threat of bad weather) is now considered a kind of inescapable destiny. The American farm and the small towns it once supported, the thinking goes, have died over the last fifty years because there’s no money to be made in a largely backward-looking business. This would be a sad thing, if it was in any way true, but it is not. Farming is immensely profitable. The agriculture sector is one of the richest, most productive moneymaking machines in American life. After all, a lot of the business simply involves sitting around and letting plants grow and letting animals get fat. Mother Nature does the heavy lifting. Then the farmer harvests the plants, kills the animals, and watches the money roll in. In 2010 alone Tyson Foods sold $28.43 billion worth of meat and cleared $780 million in pure profit. And that was during a tough year, when consumers were dining out less and scrimping on steaks and the precooked meals that are Tyson’s real moneymakers. Other agriculture companies did just as well. The critical question isn’t whether there is money in agriculture, but rather where the money goes.

There are many kinds of windows, but nothing’s better for your fenestration vocabulary than learning the names of the parts of the most common window style — the double-hung. Now you can talk the talk! Let’s start from the top. The header is the top horizontal piece of the frame. The jamb refers to the vertical side pieces of the frame. The sill is the horizontal part at the bottom of the frame. (Looking at the window from outside, you’d see the stool where the sill is, often supported by a small board called an apron.) Now let’s get to the real business of this window. Double-hungs have two moving pieces, called the sash. The piece on top is the upper sash, which can be lowered from its closed position, and on the bottom is the lower sash, which can be raised. The rails are the horizontal part of the sash frame and the stiles are the vertical parts. The sash, upper and lower, hold the glass portion of the window. A single piece of glass is called a pane. A sash can have one or more panes; the dividers between the panes are called muntins. On both vertical sides of the sash are channels, which guide the sash up or down in a straight line. The small molding piece that runs up the front, at the sides of the lower sash is called the inside stop, which keeps the sash running smoothly in its channel. The sashes lock together by means of a two-piece latch, positioned atop the upper rail of the lower sash, and the bottom rail of the upper sash. If your windows look like double-hungs, but the upper sash doesn’t move, these are called single-hung windows.

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Israel was ahead of the curve, seemingly able to bring the disease under control while others could not. It was then that I made a cardinal mistake. Responding to public pressure, the government lifted restrictions on public gatherings, restaurants, bars, eateries, large parks, swimming pools, and public transportation too quickly. To make matters worse, I gave a press conference in which I thanked Israel’s citizens for their cooperation and then added, “We want to help the economy and ease your lives, to make it possible for you to get out, return to normalcy. Go get a cup of coffee, a glass of beer, have fun.”3 The public did just that and the infection rate soon began to rise again. “Prime Minister, are we out of it?” I was asked by my staff. “Of course not,” I answered. “As long as there’s even one infected person around, the disease will reappear and again spread exponentially.” “So what should we do?” “You ever play an accordion?” I asked. “That’s what we’ll do. We’ll open up and close down the country, depending on the infection rate and our hospitals’ ability to handle the severely ill, until we can get this damn thing under control.” The “accordion policy” was an attempt to strike a balance between keeping the hospitals from crashing and keeping businesses from collapsing. We shelled out billions of shekels to help small businesses, employers, and laid-off workers. This largesse was frowned upon by those who had previously supported my tight fiscal policies. Two prominent officials in the Finance Ministry unabashedly briefed reporters against the government’s economic aid policy. “Prime Minister Netanyahu is working against Finance Minister Netanyahu,” carped my critics. Not quite. Unlike in previous economic crises, the world was awash with cheap credit. The cost of an economic collapse from a general health breakdown would be far greater than the interest payments we would have to make to keep business alive.

To take the requisite care of a large fleet of merchant vessels, there should be in the convoy a number of frigates, which are to be distributed ahead, astern and on the wings of the fleet, which is always to be kept in the order of three, four, five or six columns, according to the number it may be composed of. Some other frigates are also to be sent on the look-out, in order that the commanding officer may be informed of what passes at a certain distance, and warned in good time of the approach of the enemy. If the frigates which are sent to look-out should discover an enemy of superior force, they will make it known by signal, and perhaps it may be thought advisable that they should steer a different course from that of the fleet, in order to deceive the hostile ships in sight. The line of battleships are to hold themselves a little ahead and to windward of the weather column of the fleet; because, in that position, they will be able with promptitude to attend wherever their presence may be necessary. The commanding officer must not neglect to have all suspicious and neutral ships chased and even stopped by the frigates about him, and which are always to be supported by one or two lines of battleships, according to the exigency of the circumstances. The degree of progress which the whole fleet will make will be regulated by that of the worst-going ships, which, however, are to be abandoned when found to cause too great a loss of time; for sometimes it is better to risk a small loss than to expose the whole by delay. There will be placed between the columns, sloops of war and other swift-sailing vessels to maintain order and keep the ships in their stations. Their particular business will be to get the tardy ships to make more sail, and to oblige those which may be out of their post to resume it. In the evening they will give an account, to the frigates having charge of going the round, of those which have not well manoeuvred and these will be reported to the Commodore. During the night the same order will be maintained, except with respect to the look-out frigates which are to be called in within a certain distance of the fleet, and which are to be allowed lights as well as the rest of the men-of-war. They are to be particularly careful to oblige all straggling ships to return to the convoy, and to fire, without hesitating, on all strange vessels coming from the main sea, in order to give the alarm. Every night they are to be supported on the wings by some line of battleships.

Private equity surrounds you. When you visit a doctor or pay a student loan, buy life insurance or rent an apartment, pump gas or fill a prescription, you may—wittingly or not—be supporting a private equity firm. These firms, with obscure names like Blackstone, Carlyle, and KKR, are actually some of the largest employers in America and hold assets that rival those of small countries. Yet few people understand what these firms are or how they work. This is unfortunate because private equity firms, which buy and sell so many businesses you know, explain innumerable modern economic mysteries. They explain, in part, why your doctor’s bill is so expensive and why your veterinary clinic seems to be in decline. They explain why so many stores are understaffed or closing altogether. They explain why there are ever fewer companies in America and why those that remain are selling ever lower-quality products. In fact, despite their relative anonymity, private equity firms are poised to reshape America in this decade the way in which Big Tech did in the last decade and in which subprime lenders did in the decade before that. And as we will explore, they’re all doing it with the government’s help.

Almost no one I know calls friends merely to have the kind of long, reflective, intimate conversations that were common in earlier decades; phones are for practical exchanges—renegotiating plans, checking in on arrangements. Emails, which in the 1990s seemed to resemble letters, now resemble texting, brief bursts of words in a small space, not to be composed as art, archived, or mused over much. A lot of people are too busy to hang out without a clear purpose, or don’t know that you can, and the often combative arenas and abstracted contact of social media replace physical places (including churches) to hang out in person. Correspondence, that beautiful word, describes both an exchange of letters and the existence of affinities; we correspond because we correspond. As a young woman, I had long, intense conversations with other young women about difficult mothers, unreliable men, about heartaches and ambitions and anxieties. Sometimes these conversations were circular; sometimes they got bogged down by our inability to accept that we weren’t going to get what seemed right or fair. But at their best, they reinforced that our perceptions and emotions were not baseless or illegitimate, that others were on our side and shared our experiences, that we had value and possibility. We were strengthening ourselves and our ties to one another. Conversation is a principal way that we convey our support and love to each other; it’s how we find out who our friends are and often how friendship takes place. A friendship could be imagined as an ongoing conversation, and a conversation as a collaboration of minds, and that collaboration as a brick out of which a culture or a community is built.

Today just about every hospital employs strategic billing, which is enabled and supported by consultants and healthcare advisory firms, large and small. Deloitte is ranked number one

A Life of Disappointment When we reached our destination [after our wedding] I was dismayed by what I saw, so different from my home, so backward and dismal. I would escape from it as much as I could. Mama needed me still and insisted I visit her often. In the first years of my marriage, I spent more time with her than in my new home, and was glad of it. I felt I did not fit in with the small talk and mentality of the people who surrounded me. - Alice is a natural talker and her thoughts flow freely through my pen. - It did not take long for me to understand the reality of my situation and become disenchanted, but I loved Louis and made the most of it. I busied myself with unpopular activities, with work deemed unsuitable for a Princess and future Duchess, but I was a rebel by nature, and persevered with Louis' support. He was very good and eager to please me, though he did not understand me. As my rift with my Mother deepened, I got more involved in public work at home and I even met an intellectual Soulmate, someone I could discuss things I could not do with my husband. This gave me fresh energy to invest in my work, but it all came to an end. More changes were on the way. The death of Louis' Father threw more responsibilities on Our shoulders. Little did I know - she adds with a sighs - that my time, too, was running out. - I feel her distress and ask softly: What is that pains you so much, why not let it go? I wish my life had been different, but I do not regret having children, they were a joy to me. I wish I had been a man, more in command of my life. Why do I linger? What is this pain I steel feel? - she asks looking at me - I do not know, perhaps the incompleteness of that Life, unfulfilled, of what it could have been and was not. - Alice whispers, her voice dying down. [30.8.17] Princess Alice of Hesse [Married 1 July 1862]

I'm a bartender. How can I stop when surrounded by smoke and smokers at every turn?" I recall attempts where I hoped smoking friends would be supportive in not smoking around me, and not leave their packs lying around to tempt me. While most tried, it usually wasn't long before they forgot. I recall thinking them insensitive and uncaring. I recall grinding disappointment and intense brain chatter, that more than once seized upon frustrated support expectations as this addict's excuse for relapse. Instead of expecting them to change their world for me, the smart move would have been for me to want to extinguish my brain's subconscious feeding cues related to being around them and their addiction. The smart move would have been to take back my world, or as much of it as I wanted. As I sit here typing in this room, around me are a number of packs of cigarettes: Camel, Salem, Marlboro Lights and Virginia Slims. I use them during presentations and have had cigarettes within arms reach for years. Don't misconstrue this. It is not a smart move for someone struggling in early recovery to keep cigarettes on hand. But if a family member or best friend smokes or uses tobacco, or our place of employment sells tobacco or allows smoking around us, we have no choice but to work toward extinguishing tobacco product, smoke and smoker cues almost immediately. And we can do it! Millions of comfortable ex-users handle and sell tobacco products as part of their job. You may find this difficult to believe, but I've never craved or wanted to smoke any of the cigarettes that surround me, even when holding packs or handling individual cigarettes during presentations. Worldwide, millions of ex-smokers successfully navigated recovery while working in smoke filled nightclubs, restaurants, bowling alleys, casinos, convenience stores and other businesses historically linked to smoking. And millions broke free while their spouse, partner or best friend smoked like a chimney. Instead of fighting or hiding from the world, take it back. Why allow our circumstances to wear us down? Small steps, just one moment at a time, embrace challenge. Extinguish use cues and claim your prize once you do, another slice of a nicotine-free life. Recovery is about taking back life. Why fear it? Instead, savor and relish reclaiming it. Maybe I'll have a crave tomorrow. But it's been so many years (since 2001) that I'm not sure I'd recognize it. Why fear our circumstances when we can embrace them? They cannot

Picture a small South American dictatorship, weakened by economic stresses and a popular demand for more freedom, resulting from the existence of a laissez-faire society nearby. What would the dictator of such a country do if faced by a large and powerful insurance company and its defense service (or even a coalition of such companies) demanding that he remove all taxes, trade restrictions, and other economic aggressions from, say, a mining firm protected by the insurance company? If the dictator refuses the demand, he faces an armed confrontation which will surely oust him from his comfortable position of rule. His own people are restless and ready to revolt at any excuse. Other nations have their hands full with similar problems and are not eager to invite more trouble by supporting his little dictatorship. Besides this, the insurance company, which doesn’t recognize the validity of governments, has declared that in the event of aggression against its insured it will demand reparations payments, not from the country as a whole, but from every individual directly responsible for directing and carrying out the aggression. The dictator hesitates to take such an awful chance, and he knows that his officers and soldiers will be very reluctant to carry out his order. Even worse, he can’t arouse the populace against the insurance company by urging them to defend themselves—the insurance company poses no threat to them. A dictator in such a precarious position would be strongly tempted to give in to the insurance company’s demands in order to salvage what he could (as the managers of the insurance company were sure he would before they undertook the contract with the mining firm). But even giving in will not save the dictator’s government for long As soon as the insurance company can enforce noninterference with the mining company, it has created an enclave of free territory within the dictatorship. When it becomes evident that the insurance company can make good its offer of protection from the government, numerous businesses and individuals, both those from the laissez-faire society and citizens of the dictatorship, will rush to buy similar protection (a lucrative spurt of sales foreseen by the insurance company when it took its original action). At this point, it is only a matter of time until the government crumbles from lack of money and support, and the whole country becomes a free area. In this manner, the original laissez-faire society, as soon as its insurance companies and defense agencies became strong enough, would generate new laissez-faire societies in locations all over the world. These new free areas, as free trade made them economically stronger, would give liberty a tremendously broadened base from which to operate and would help prevent the possibility that freedom could be wiped out by a successful sneak attack against the original laissez-faire society. As the world-wide, interconnected free market thus formed became stronger and the governments of the world became more tyrannical and chaotic, it would be possible for insurance companies and defense agencies to create free enclaves within more and more nations, a sales opportunity which they would be quick to take advantage of.