Swap Short Quotes

How do you explain to an innocent citizen of the free world the importance of a credit default swap on a double-A tranche of a subprime-backed collateralized debt obligation?

They had stumbled either upon a serious flaw in modern financial markets or into a great gambling run. Characteristically, they were not sure which it was. As Charlie pointed out, “It’s really hard to know when you’re lucky and when you’re smart.

A credit default swap was confusing mainly because it wasn’t really a swap at all. It was an insurance policy, typically on a corporate bond, with semiannual premium payments and a fixed term. For instance, you might pay $200,000 a year to buy a ten-year credit default swap on $100 million in General Electric bonds. The most you could lose was $2 million: $200,000 a year for ten years. The most you could make was $100 million, if General Electric defaulted on its debt any time in the next ten years and bondholders recovered nothing. It was a zero-sum bet: If you made $100 million, the guy who had sold you the credit default swap lost $100 million. It was also an asymmetric bet, like laying down money on a number in roulette. The most you could lose were the chips you put on the table; but if your number came up you made thirty, forty, even fifty times your money.

Life is too short to wait for dessert,

Both had trouble generating conviction of their own but no trouble at all reacting to what they viewed as the false conviction of others.

Drink, drugs, and women were never in short supply. On one occasion, they were both engaged with girls in the back of the bus when they decided they wanted to switch dates, but somehow do it tactfully. “We were like, ‘Let’s you and I start making out, then we’ll swap.’ I think it worked, if I recall,” said Stinson. “He’s the only dude I’ve ever made out with.” Back

Wing Chau didn’t know he’d been handpicked by Greg Lippmann to persuade Steve Eisman that the people on the other end of his credit default swaps were either crooks or morons, but he played the role anyway.

market leader in interest rate swaps. There was a natural role for a blue-chip corporation with the highest credit rating to stand in the middle of swaps and long-term options and the other risk-spawning innovations. The traits required of this corporation were that it not be a bank—and thus subject to bank regulation, and the need to reserve capital against risky assets—and that it be willing and able to bury exotic risks on its

What exactly is a Rubik’s Cube party?” Becca asked. “It’s simple: everyone wears different colors - red shirt, blue shorts, green socks, whatever - and once you get to the party, you have to swap clothes with people until you’re wearing all of the same color.” Kinsley tsked. “Sounds like an excuse to see people in their skivvies.” I tossed my luggage onto my bed. “Yes, well, isn’t that basically the meaning of life in the first place?

How do you explain to an innocent citizen of the free world the importance of a credit default swap on a double-A tranche of a subprime-backed collateralized debt obligation? He tried, but his English in-laws just looked at him strangely. They understood that someone else had just lost a great deal of money and Ben had just made a great deal of money, but never got much past that. "I can't really talk to them about it," he says. "They're English.

On its surface, the booming market in side bets on subprime mortgage bonds seemed to be the financial equivalent of fantasy football: a benign, if silly, facsimile of investing. Alas, there was a difference between fantasy football and fantasy finance: When a fantasy football player drafts Peyton Manning to be on his team, he doesn’t create a second Peyton Manning. When Mike Burry bought a credit default swap based on a Long Beach Savings subprime–backed bond, he enabled Goldman Sachs to create another bond identical to the original in every respect but one: There were no actual home loans or home buyers. Only the gains and losses from the side bet on the bonds were real.

When the Goldman Sachs saleswoman called Mike Burry and told him that her firm would be happy to sell him credit default swaps in $100 million chunks, Burry guessed, rightly, that Goldman wasn’t ultimately on the other side of his bets. Goldman would never be so stupid as to make huge naked bets that millions of insolvent Americans would repay their home loans. He didn’t know who, or why, or how much, but he knew that some giant corporate entity with a triple-A rating was out there selling credit default swaps on subprime mortgage bonds. Only a triple-A-rated corporation could assume such risk, no money down, and no questions asked. Burry was right about this, too, but it would be three years before he knew it. The party on the other side of his bet against subprime mortgage bonds was the triple-A-rated insurance company AIG—American International Group, Inc.

The less transparent the market and the more complicated the securities, the more money the trading desks at big Wall Street firms can make from the argument. The constant argument over the value of the shares of some major publicly traded company has very little value, as both buyer and seller can see the fair price of the stock on the ticker, and the broker’s commission has been driven down by competition. The argument over the value of credit default swaps on subprime mortgage bonds—a complex security whose value was derived from that of another complex security—could be a gold mine.

There are a lot of really crappy bonds in these CDOs,’” said Charlie. They didn’t realize yet that the bonds inside their CDOs were actually credit default swaps on the bonds, and so their CDOs weren’t ordinary CDOs but synthetic CDOs, or that the bonds on which the swaps were based had been handpicked by Mike Burry and Steve Eisman and others betting against the market. In many ways, they were still innocents.

default swaps on subprime mortgage bonds. Only a triple-A-rated corporation could assume such risk, no money down, and no questions asked. Burry was right about this, too, but it would be three years before he knew it. The party on the other side of his bet against subprime mortgage bonds was the triple-A-rated insurance company AIG—American International Group, Inc. Or, rather, a unit of AIG called AIG FP. AIG Financial Products was created

In early July, Morgan Stanley received its first wake-up call. It came from Greg Lippmann and his bosses at Deutsche Bank, who, in a conference call, told Howie Hubler and his bosses that the $4 billion in credit default swaps Hubler had sold Deutsche Bank’s CDO desk six months earlier had moved in Deutsche Bank’s favor. Could Morgan Stanley please wire $1.2 billion to Deutsche Bank by the end of the day? Or, as Lippmann actually put it—according to someone who heard the exchange—Dude, you owe us one point two billion.

In 2015, the writer Alex Blank Millard engaged in her own gender-swap experiment to highlight the misogynist nature of online abuse. Sick of constantly receiving rape threats from ‘faceless eggs’ online, she changed her Twitter profile photo to that of a white man – but kept the content she posted the same. When Millard tweeted about rape culture, fat shaming, and systemic oppression as Lady Alex, the standard response was a deluge of rape and death threats, and a bunch of guys calling her fat. When she commented on the same things as Straight- and Cis-Looking White Dude Alex, she was retweeted, favourited, and even cited by Buzzfeed (Millard, 2015).

Marisol looked me over. “Now for your outfit.” I tugged my black tee and tan shorts. “I’m already wearing an outfit.” “No,” Marisol said with a slow head shake. “There’s a big difference between wearing clothes and wearing an outfit.” She pointed at my closet. “Get that denim shirt I made you buy and layer it on top, opened, sleeves rolled. Your tee has a little rip.” I glanced down. Grimaced. “Then the necklace with the dangling blue stone that’s hanging in your jewelry caddy, by your black jacket. And swap the flip-flops for sandals. The black ones with silver buckles.” “How in the—” “After all this time, you’re actually questioning it?” I conceded with a hand flip and moved toward the closet Marisol freakishly knew by heart.

There was more than one way to think about Mike Burry’s purchase of a billion dollars in credit default swaps. The first was as a simple, even innocent, insurance contract. Burry made his semiannual premium payments and, in return, received protection against the default of a billion dollars’ worth of bonds. He’d either be paid zero, if the triple-B-rated bonds he’d insured proved good, or a billion dollars, if those triple-B-rated bonds went bad. But of course Mike Burry didn’t own any triple-B-rated subprime mortgage bonds, or anything like them. He had no property to “insure” it was as if he had bought fire insurance on some slum with a history of burning down. To him, as to Steve Eisman, a credit default swap wasn’t insurance at all but an outright speculative bet against the market—and this was the second way to think about it.

The problem wasn’t that the banks were, in and of themselves, critical to the success of the U.S. economy. The problem, he felt certain, was that some gargantuan, unknown dollar amount of credit default swaps had been bought and sold on every one of them. “There’s no limit to the risk in the market,” he said. “A bank with a market capitalization of one billion dollars might have one trillion dollars’ worth of credit default swaps outstanding. No one knows how many there are! And no one knows where they are!” The failure of, say, Citigroup might be economically tolerable. It would trigger losses to Citigroup’s shareholders, bondholders, and employees—but the sums involved were known to all. Citigroup’s failure, however, would also trigger the payoff of a massive bet of unknown dimensions: from people who had sold credit default swaps on Citigroup to those who had bought them.

Goldman Sachs itself—and so Goldman was in the position of selling bonds to its customers created by its own traders, so they might bet against them. Secondly, there was a crude, messy, slow, but acceptable substitute for Mike Burry’s credit default swaps: the actual cash bonds. According to a former Goldman derivatives trader, Goldman would buy the triple-A tranche of some CDO, pair it off with the credit default swaps AIG sold Goldman that insured the tranche (at a cost well below the yield on the tranche), declare the entire package risk-free, and hold it off its balance sheet. Of course, the whole thing wasn’t risk-free: If AIG went bust, the insurance was worthless, and Goldman could lose everything. Today Goldman Sachs is, to put it mildly, unhelpful when asked to explain exactly what it did, and this lack of transparency extends to its own shareholders. “If a team of forensic accountants went over Goldman’s books, they’d be shocked at just how good Goldman is at hiding things,

In the winter of 18077, thirteen like-minded souls in London got together at the Freemasons Tavern at Long Acre, in Covent Garden, to form a dining club to be called the Geological Society. The idea was to meet once a month to swap geological notions over a glass or two of Madeira and a convivial dinner. The price of the meal was set at a deliberately hefty 15 shillings to discourage those whose qualifications were merely cerebral. It soon became apparent, however, that there was a demand for something more properly institutional, with a permanent headquarters, where people could gather to share and discuss new findings. In barely a decade membership grew to 400 – still all gentlemen, of course – and the Geological was threatening to eclipse the Royal as the premier scientific society in the country. The members met twice a month from November until June8, when virtually all of them went off to spend the summer doing fieldwork. These weren’t people with a pecuniary interest in minerals, you understand, or even academics for the most part, but simply gentlemen with the wealth and time to indulge a hobby at a more or less professional level. By 1830 there were 745 of them, and the world would never see the like again. It is hard to imagine now, but geology excited the nineteenth century – positively gripped it – in a way that no science ever had before or would again.

Focus intently and beat procrastination.    Use the Pomodoro Technique (remove distractions, focus for 25 minutes, take a break).    Avoid multitasking unless you find yourself needing occasional fresh perspectives.    Create a ready-to-resume plan when an unavoidable interruption comes up.    Set up a distraction-free environment.    Take frequent short breaks. Overcome being stuck.    When stuck, switch your focus away from the problem at hand, or take a break to surface the diffuse mode.    After some time completely away from the problem, return to where you got stuck.    Use the Hard Start Technique for homework or tests.    When starting a report or essay, do not constantly stop to edit what is flowing out. Separate time spent writing from time spent editing. Learn deeply.    Study actively: practice active recall (“retrieval practice”) and elaborating.    Interleave and space out your learning to help build your intuition and speed.    Don’t just focus on the easy stuff; challenge yourself.    Get enough sleep and stay physically active. Maximize working memory.    Break learning material into small chunks and swap fancy terms for easier ones.    Use “to-do” lists to clear your working memory.    Take good notes and review them the same day you took them. Memorize more efficiently.    Use memory tricks to speed up memorization: acronyms, images, and the Memory Palace.    Use metaphors to quickly grasp new concepts. Gain intuition and think quickly.    Internalize (don’t just unthinkingly memorize) procedures for solving key scientific or mathematical problems.    Make up appropriate gestures to help you remember and understand new language vocabulary. Exert self-discipline even when you don’t have any.    Find ways to overcome challenges without having to rely on self-discipline.    Remove temptations, distractions, and obstacles from your surroundings.    Improve your habits.    Plan your goals and identify obstacles and the ideal way to respond to them ahead of time. Motivate yourself.    Remind yourself of all the benefits of completing tasks.    Reward yourself for completing difficult tasks.    Make sure that a task’s level of difficulty matches your skill set.    Set goals—long-term goals, milestone goals, and process goals. Read effectively.    Preview the text before reading it in detail.    Read actively: think about the text, practice active recall, and annotate. Win big on tests.    Learn as much as possible about the test itself and make a preparation plan.    Practice with previous test questions—from old tests, if possible.    During tests: read instructions carefully, keep track of time, and review answers.    Use the Hard Start Technique. Be a pro learner.    Be a metacognitive learner: understand the task, set goals and plan, learn, and monitor and adjust.    Learn from the past: evaluate what went well and where you can improve.

It is not prudent to attempt to switch and swap asset classes based on short-term market predictions.

So we have a deal,” she says. “We have a deal.” I take my right hand off the steering wheel, spit in my palm, and hold it out. “Shake on it.” The smile disappears, and she shrinks back toward the window. “Absolutely not.” “Don’t be a wuss. Just spit in your hand and shake.” “You’re disgusting.” “It’s like signing a contract. We made a deal; now we swap spit.” “It’s nothing like signing a contract.” “There are other ways to swap spit. Do you want me to pull over so we can make out instead?” She spits in her hand, takes mine, and shakes it firmly. “Note to self,” I mutter. “Threatening to kiss the fiancée yields immediate submission to my will.” “Ha,” she says, and wipes our spit on my shorts. “Gross. 

Ted was short of cash.” Westinghouse wanted out. Bannon pleaded with them not to walk away from the bargaining table. “We told them, ‘You ought to take this deal. It’s a great deal,’” he said. “And they go, ‘If this is such a great deal, why don’t you defer some of your cash fee and keep an ownership stake in a package of TV rights?’” Bannon had no interest in getting into the residuals business. But neither did Westinghouse. The company made clear that unless Bannon & Co. swapped its cash fee for residuals the deal was off. “So we took a residual,” he said. In lieu of a full adviser’s fee, the firm accepted a stake in five Castle Rock television shows, including one in its third season that was regarded as the runt of the litter: Seinfeld. At

Hunter found Warrior down by the river, teaching Pony Girl to swim. Sitting beneath a cottonwood, Hunter pressed his back to the trunk and rested his forearm on his upraised knee. “Warrior, I must make a short trip,” he began. “Will you watch my woman and her sister while I’m gone?” Distracted by the question, Warrior forgot to watch his niece and turned. “Another trip? You’ve only just returned.” Hunter’s gaze dropped to Pony Girl, and his eyes widened in alarm. Shooting to his feet, he yelled, “Warrior, she’s going under!” Warrior snatched a handful of the child’s dripping hair and pulled her up for air. Giving his head a shake, he moved toward shore. “I don’t know. Maybe she’s too young. Maiden insists she isn’t, but I don’t recall the other two being this hard to teach.” “I taught Turtle, and Maiden taught Blackbird,” Hunter reminded him. Warrior squatted in front of the whining, coughing child, trying to comfort her with body-shaking pats on her lower back. Hunter thanked the Great Ones that Pony Girl’s burns had healed. “Maybe that’s what the problem is, eh?” Warrior mused. “I’m a lousy teacher. Hunter, why don’t you teach her?” “I’m leaving on a journey.” “Ah, yes, a journey. Where are you going?” Hunter ignored the question. It was one thing to surrender to his woman, but quite another to admit it to his brother. “Maybe I’ll teach her when I return. A swap, yes?” Warrior looked relieved. “That sounds like a fair trade. I’ll gladly watch your woman if I can get out of this swimming chore Maiden has pressed upon me. At the rate I’m going, I’ll have to change this one’s name to Pebble. She sure enough sinks like one.

42. Stop ‘Trying’! Maybe it’s just me, but I don’t like the word ‘try’. Trying to do something just sounds like you’re not really making that much effort - and the result is almost inevitable. (I mean, what does it say about someone if you describe them as a ‘trying’ person? It means they try our patience to the limit!) Somewhere in our brains the word ‘try’ gets associated with phrases like ‘He tried his best’ and ‘Try again’ or ‘I’ll try to make it’. It’s almost as if trying to do something means you’re setting yourself up to fail short of your goal. So I swap the word ‘try’ for the better version: endeavour. If you endeavour to do something, this indicates real intent, a willingness to stick with it, and an ability to see things through to the end. Also, an endeavor sounds like you’re on an epic, polar, life-or-death mission, which instantly makes whatever your task is more appealing!

On Monday, Lehman Brothers had filed for bankruptcy, and Merrill Lynch, having announced $55.2 billion in losses on subprime bond–backed CDOs, had sold itself to Bank of America. The U.S. stock market had fallen by more than it had since the first day of trading after the attack on the World Trade Center. On Tuesday the U.S. Federal Reserve announced that it had lent $85 billion to the insurance company AIG, to pay off the losses on the subprime credit default swaps AIG had sold to Wall Street banks—the biggest of which was the $13.9 billion AIG owed to Goldman Sachs. When you added in the $8.4 billion in cash AIG had already forked over to Goldman in collateral, you saw that Goldman had transferred more than $20 billion in subprime mortgage bond risk into the insurance company, which was in one way or another being covered by the U.S. taxpayer.

Building computer models based on years of historical data on corporate bonds, they concluded that this new device—a credit default swap—seemed foolproof. The odds of a wave of defaults occurring simultaneously were remote, short of another Great Depression. So, absent a catastrophe of that magnitude, the holders of the swap could expect to receive millions of dollars in premiums a year. It was like free money.

Mr. Lefkowitz—sixty-five, a widower—was having a very lonely time in Miami Beach, and he observed a man of his age who was never without a companion; people forever streamed around him, extending invitations, swapping jokes. So Lefkowitz screwed up his courage, leaned over, and said to the popular paragon, “Mister, excuse me. What should I do to make friends?” “Get—a camel,” the other said with a sneer. “Ride up and down Collins Avenue every day, and before you know it, everyone in Miami will be asking, ‘Who is that man?’ and you’ll have to hire a social secretary to handle all the invitations! Don’t bother me again with such a foolish question.” So Mr. Lefkowitz bought a paper and looked through the ads, and by good fortune he read of a circus, stranded in Miami, that needed capital. Mr. Lefkowitz telephoned the circus owner and within half an hour had rented a camel. The next morning, Mr. Lefkowitz, wearing khaki shorts and a pith helmet, mounted his camel and set forth on Collins Avenue. Everywhere people stopped, buzzed, gawked, pointed. Every day for a week, Lefkowitz rode his trusty steed. One morning, just as he was about to get dressed, the telephone rang. “Mr. Lefkowitz! This is the parking lot! Your camel—it’s gone! Stolen!” At once, Mr. Lefkowitz phoned the police. A Sergeant O’Neill answered: “What? … It sounded as though you said someone had stolen your camel.” “That’s right!” “Er—I’ll fill out a form…. How tall was the animal?” “From the sidewalk to his back, where I sat, a good six feet.” “What color was it?” “What color?” echoed Lefkowitz. “Camel color: a regular, camel-colored camel!” “Male or female?” “Hanh?” “Was the animal male or female?” “How am I supposed to know about the sex of a camel?” Lefkowitz exclaimed. “Wait! Aha! It was a male!” “Are you sure?” “Absolutely.” “But Mr. Lefkowitz, a moment ago you—” “I’m positive, Officer, because I just remembered: Every time and every place I was riding on that camel, I could hear people yelling: ‘Hey! Look at the shmuck on that camel!

Many have questioned how Lyndon Johnson could have put his closest protégé and right hand man John Connally in mortal danger by having him ride with JFK in the presidential limousine in the Dallas motorcade . Indeed, Johnson maneuvered desperately to get Connally moved to the vice-presidential car and substitute his archenemy Yarborough in the presidential vehicle. Senator George Smathers said in his memoirs that JFK complained to him prior to the trip about an effort by LBJ to get first lady Jacqueline Kennedy to ride in the vice presidential car, an idea JFK flatly rejected.39 Shortly before Kennedy’s death in the motorcade LBJ would visit the president’s hotel room and try again to convince him to have Connally and Yarborough swap places. Again, JFK refused, and Johnson stormed from the room after a shouting match.40 The outburst was so loud that first lady Jacqueline Kennedy expressed to her husband that Johnson “sounded mad.”41 Perhaps this explains LBJ’s taciturn behavior from the moment the presidential motorcade left Love Field for Dealey Plaza. An earlier rain had subsided, giving way to sunny skies. The crowds were large and friendly, yet LBJ stared straight ahead and never cracked a smile or waved to the crowds as did Lady Bird, Senator Yarborough, the Connallys, and the Kennedys. LBJ would actually tell Robert Kennedy, “of all things in life, this [campaigning] is what I enjoy most.”42 Normally, the gregarious Johnson would wave his hat, pose and wave to the crowd and shout “howdy,” but on this day he seemed non-expressive and focused. New 3-D imaging analysis and more sophisticated photographic analysis now show without question that LBJ ducked to the floor of his limousine before the first shots were fired.43

A middle-aged couple goes to a spouse-swapping party. They meet a Martian couple and think it would be interesting to switch partners with them for the night. When the woman sees the male Martian’s penis she says, “Well, that’s nice but it’s kind of short, isn’t it?” The Martian reaches up and pats his head, and as he does, his penis gets longer and longer. The woman is impressed—but then she says, “That’s nice, but it’s not very fat is it?” At that, the Martian pulls on his ears, and as he does, his penis gets fatter and fatter. The woman has a grand time that night. In the morning, the earth couple compare their experiences. The woman says, “I really enjoyed myself! We should swap again.” The man says, “I enjoyed it, too, but I just can’t figure out why she kept patting my head and pulling my ears!

Storm’s Fast-Flux and Conficker’s Domain-Flux In 2007, security researchers identified a new technique used by the infamous Storm botnet (Higgins, 2007). The technique, named fast-flux, used domain name service (DNS) records to hide the command and control servers that controlled the Storm botnet. DNS records typically translate a domain name to an IP address. When a DNS server returns a result, it also specifies the TTL that the IP address remains valid for before the host should check again. The attackers behind the Storm botnet changed the DNS records for the command-and-control server rather frequently. In fact, they used 2,000 redundant hosts spread amongst 384 providers in more than 50 countries (Lemos, 2007). The attackers swapped the IP addresses for the command-and-control server frequently and ensured the DNS results returned with a very short TTL. This fast-flux of IP addresses made it difficult for security researchers to identify the command-and-control servers for the botnet and even more difficult to take the servers offline. While fast-flux proved difficult in the takedown of the Storm botnet, a similar technique used the following year aided in the infection of seven million computers in over two hundred countries (Binde et al., 2011). Conficker, the most successful computer worm to date, spread by attacking a vulnerability in the Windows Service Message Block (SMB) protocol. Once infected, the vulnerable machines contacted a command-and-control server for further instructions. Identifying and preventing communication with the command-and-control server proved absolutely necessary for those involved with stopping the attack. However, Conficker generated different domain names every three hours, using the current date and time at UTC. For the third iteration of Conficker, this meant 50,000 domains were generated every three hours. Attackers registered only a handful of these domains to actual IP addresses for the command-and-control servers. This made intercepting and preventing traffic with the command-and-control server very difficult. Because the technique rotated domain names, researchers named it domain-flux. In the following section, we will write some Python scripts to detect fast-flux and domain-flux in the wild to identify attacks.

She turned to the second half of her question: ‘Why did you come back?’ ‘I wanted to be part of the new South Africa.’ Glib but true. In all the years I was away, I felt interrupted. Despite my resolve to look in the other direction, the life I might have been leading flickered in the corner of my eye. In another place, unfazed, a potential me was going about his business as if I’d never cut him short. Once apartheid fell – or sat down, as Leora likes to say – I could finally look squarely at this phantom who was living under my name. And then I got used to the idea that we could change places. A clean swap: your elsewhere for mine." (from "Double Negative" by Ivan Vladislavic, Teju Cole)

Benefits of Going Green The benefits of going green are sometimes not similar to obvious right away. For some people, because of this that going green can be so difficult. They have to see immediate or near immediate results of their green efforts. Unfortunately, some benefits take a while and dedication. Now and dedication can be a good thing about going green in itself. When we become more commited to an environmentally friendly lifestyle we study that lifestyle, the aspects of the life-style that is effective on our behalf and then we study new tips that make the lifestyle much better to create. Other merits of going green can be found especially zones of green lifestyles. Benefits of Going Green at Home Going green at your home is among the few places that green lifestyle benefits are shown quickly or in the next short space of time. The first home benefit that many individuals who go green see, is a drop in utility bills and spending. As people commence to make subtle and full blown changes in the volume of energy they use and the manner they make use of it, the utility bills will drop. This benefit shows itself within the first three billing cycles no matter the effective changes. Spending also reduces. The spending pattern of green lifestyles shows a spending reduction because of switching from disposable items to reusable items, pricey chemical items for DIY natural options and swapping out appliances for higher energy levels effiencent models. Simply not only are the advantages observed in healthier lifestyle options, but on top of that they are seen in healthier financial options. Benefits to Going Green at Work Going green at work is problematic to implement and hard to see immediate results from. However, the avantages of going green in the workplace might be incredibly financially beneficial regarding the business. A clear benefit for businesses going green that is the alleviates clutter and increased organization. By utilizing green techniques in your business such as cloud storage, going paperless and energy usage techniques a business will save many dollars each month. This is a clear benefit, but the additional advantage is increased business. Consumers, businesses and sales professionals love aligning themselves with green businesses. It shows an ecological awareness and connection and it has verified that the green business cares about the approach to life of their total clients. The green business logo and concept means the advantage of a higher customer base and increased sales. Advantages and benefits of Going Green within the Community Community advantages and benefits of going green are the explanation as to why many individuals begin contribution in the green movement. Community efforts do take time and effort to develop. Recycling centers, landscaping endeavors and urban gardening projects take community efforts and dedication. These projects can build wonderful benefits regarding the community. Initially the advantages will show in areas similar to a decrease in waste, increased organic gardening options and recycling endeavors to diminish waste in landfills. Eventually the avantages of going green locally can present a residential district bonding, closer knit communities and environmental benefits which will reach to reduced air pollution. There can also be an increase in local food production and local companies booming which helps the regional economy. There are numerous other benefits of going green. These benefits might be comprehensive and might change the thought of how communities, states and personal lifestyles are changed.

When enough people share a short-lived delusion, vast sums of money can be acquired overnight. The ‘tulip mania’ in Holland in the mid-seventeenth century was such a time. Tulips had been imported into Holland for forty years before the madness hit. By 1635, a single tulip bulb was swapped for a collection of valuable articles, which included the following: four tons of wheat eight tons of rye a bed four oxen eight pigs a suit of clothes two caskets of wine four tonnes of beer two tons of butter one thousand pounds of cheese a silver drinking cup The current value of the above would be $50,000 or more. And this was for a single tulip bulb! Fortunes were made or lost, especially the latter, when the music stopped. Within a few years, a tulip bulb was worth less than a dollar in today’s money. Here is the wonder of collective short-term delusion writ large.

A mother's occupation is never really completed Elise knew this intuitively when her child was conceived. For at minimum the 100th time, she sat close to his bed in that seat repairing his blanket. There was no chance of knowing, the day she got it at a swap meet, that it would turn into her child's most esteemed belonging. To call it a blanket extended the definition as it was just 1,000 bits of strangely formed patterns sewed together, a large number of layers, until its entire was thick to the point of holding in the glow of a little child's body as he floated off to rest. The individual who sorted out this wonderful source of both blessing and pain

Shallow. Harmless. A little bit stupid. Crazy in love with you. Needs access to every part of the house. Let’s see . . . Who am I? Well, Roman’s trophy wife, of course. I am pretty, elegant, and extremely snobbish. I love wearing expensive clothes, just the best labels. I’m not really into dresses unless the occasion requires it. I much more prefer designer jeans, paired with silky blouses. The heels are a must.” She pauses, opens her eyes, and turns toward me. “Are heels a must, do you think?” She scrunches her tiny nose. “Of course they are. Damn it. I hate wearing heels.” She closes her eyes again and continues. “The heels are a must, and I have dozens of them. Roman loves when I wear them, he says they make my butt look amazing. I’m also very self-conscious about my height, and wearing heels all the time makes me forget how short I am. My favorite pastime is shopping, and I buy a ton of clothes. My husband has to allocate one driver specifically for me and my shopping sprees.” Another pause and she turns toward me again. “Roman, I’ll need funds to support her addiction with clothes. She is an impulse buyer.” “You’ll get anything you need,” I laugh. She’s completely nuts. “My husband is crazy about me, and he allows me to do whatever I want with the house, like rearrange furniture, so the vibe of the house works better with the earth vibrations. The house feels terribly cold, so I buy a bunch of indoor plants and spread them everywhere. I also tour every single room because I want to make sure the unobstructed energy flows, so I rearrange paintings and mirrors. I also hate the dining room table, it’s so overstated, and I decide to swap it with a sleek glass one I found in an interior design magazine.” Another pause. “This woman is expensive, Roman. I hope you know what you’re getting yourself into.” “I’ll manage.” “Your funeral.” She shrugs and continues. “My husband doesn’t like it when he’s interrupted, but of course, that doesn’t apply to me. I often come into his office just to check up on him and exchange a few kisses. It annoys his men so much. They wonder what he sees in me and why he allows me so much freedom, and then decide he’s thinking with his dick. I’m always around, and they hate it.

We’ll have to use the Invisibility Cloak again,’ Harry told Ron. ‘We can take Fang with us. He’s used to going into the Forest with Hagrid, he might be some help.’ ‘Right,’ said Ron, who was twirling his wand nervously in his fingers. ‘Er – aren’t there – aren’t there supposed to be werewolves in the Forest?’ he added, as they took their usual places at the back of Lockhart’s classroom. Preferring not to answer that question, Harry said, ‘There are good things in there, too. The centaurs are all right, and the unicorns.’ Ron had never been into the Forbidden Forest before. Harry had entered it only once, and had hoped never to do so again. Lockhart bounded into the room and the class stared at him. Every other teacher in the place was looking grimmer than usual, but Lockhart appeared nothing short of buoyant. ‘Come now,’ he cried, beaming around him, ‘why all these long faces?’ People swapped exasperated looks, but nobody answered. ‘Don’t you people realise,’ said Lockhart, speaking slowly, as though they were all a bit dim, ‘the danger has passed! The culprit has been taken away.’ ‘Says who?’ said Dean Thomas loudly.

The numbers shocked even him. They didn't need to collapse; they merely needed to stop rising so fast. House prices were still rising, and yet default rates were approaching 4 percent; if they rose to just 7 percent, the lowest investment-grade bonds, rated triple-B-minus, went to zero. If they rose to 8 percent, the next lowest-rated bonds, rated triple-B, went to zero. At that moment--in November 2005--Greg Lippmann realized that he didn't mind owning a pile of credit default swaps on subprime mortgage bonds. They weren't insurance; they were a gamble; and he liked the odds. He wanted to be short.

The numbers shocked even him. They didn't need to collapse; they merely needed to stop rising so fast. House prices were still rising, and yet default rates were approaching 4 percent; if they rose to just 7 percent, the lowest investment-grade bonds, rated triple-B-minus, went to zero. If they rose to 8 percent, the next lowest-rated bonds, rated triple-B, went to zero. At that moment--in November 2005--Greg Lippmann realized that he didn't mind owning a pile of credit default swaps on subprime mortgage bonds. They weren't insurance; they were a gamble; and he liked the odds. He wanted to be short.

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