Time Is Not Refundable Quotes

They really kicked me out?" "Refunded the tuition and everything." Julie blinked a couple of times coming to grips with this tidbit. "So what happens now?" "I expect you'll be a bum. Homeless and jobless begging on the street for a crust of bread..." "Kate." "Oh, alright, I suppose if you come by the office once in a while I'll give you a sandwich. You can squat in the office on the floor when it gets too cold outside. We can even get you a little blanket to lie on...

...But the heart is not a computer that can be upgraded so quickly and easily with the latest version of love. Love cannot be sealed hermetically inside a tight box like any other on the store shelf; even though the word itself is in public domain, its quality is not. Love cannot promise a full customer satisfaction garanteed or a whole lifetime of dreams shared refunded, with no questions asked. Love cannot be agreed to in terms and conditions as quickly as the "Next" button being clicked. These unspoken terms and conditions grow and develop over time until it gets very messy, and no one remembers how such a mess of accusation and anger was able to overshadow their pure ecstasy of love, the spark between two people turning on a new operation system of togetherness for the first time. Love is always beta; never a golden master. If love were a computer, constant bug reports and subsequent fixes are the name of the game, and there are many unexplained breakdowns. The heart is too stubborn for explanations and too impatient for forgiveness, and there is usually no one at the tech support line. Forgive me stan, if I've crashed so often. It's just to hard to boot up to a whole new future without you. I am an empty monitor in search of a "hello.

Money is a madness, a delusion-illusion. It’s not made of metal, really. It’s made of time. How much is one’s time worth? If one can convince enough people that one’s time is an invaluable resource, then one has lots and lots of money. That’s why one can spend time—only one can never get a refund.

Without any wind blowing, the sheer weight of a raindrop, shining in parasitic luxury on a cordate leaf, caused its tip to dip, and what looked like a globule of quicksilver performed a sudden glissando down the centre vein, and then, having shed its bright load, the relieved leaf unbent. Tip, leaf, dip, relief - the instant it all took to happen seemed to me not so much a fraction of time as a fissure in it, a missed heartbeat, which was refunded at once by a patter of rhymes: I say 'patter' intentionally, for when a gust of wind did come, the trees would briskly start to drip all together in as crude an imitation of the recent downpour as the stanza I was already muttering resembled the shock of wonder I had experienced when for a moment heart and leaf had been one.

Today is non-refundable. Therefore, I’d better live it in a manner that a refund is unnecessary.

Sloan & Dex... “You skipped puberty didn’t you?” Dex let out a wistful sigh. “It wasn’t for me.” Sloane laughed as he carried Dex out of the room. “You’re hopeless.” “I’m also nonrefundable.” “Surely there’s a return policy.” “Forget it. You’re way past the thirty-day refund period. You’re stuck with me now. And before you ask, I’m also nontransferable and nonexchangeable. If you donate me to charity there’s no tax write-off because technically that would be considered Human trafficking.” “Wow. You’ve got your bases covered.” “You bet. Should have paid more attention to the Dexter J. Daley boyfriend agreement.” Sloane dropped him onto the counter and stepped between his legs to pull him close. “I don’t recall this boyfriend agreement.” “You might have been sleeping at the time, but sleep during the reading of the DJDBA is covered in the fine print. As long as you have a pulse, you’re considered present and accounted for.” “Duly noted.

Time resources are not refundable.

Happiness is overrated; it’s far too short-lived, for a start. If you bought it on Amazon, you’d demand a refund. Broke after a month and impossible to fix. Next time will try misery—apparently that shit lasts forever.

It was your covenant with the devil to exchange your soul for money and fame, so i won't be sorry for your damn f***ing soul, and the devil gat no time to refund what you had already sell, demons don't understand the meaning of sympathy, you should know that already, so, go make some dollar bill in hell, and come back and give me some.

A life full of promise. But that’s all life ever is. A promise. Not a guarantee. We like to believe we have our place all set out in the future, but we only have a reservation. Life can be canceled at any moment, with no warning, no refund, no matter how far along you are in the journey. Even if you’ve barely had time to take in the scenery.

There are 1,440 minutes in each day. Each minute is dear. Once it is spent, there is no way to receive a refund. We cannot purchase more. We cannot press pause on life to resume it at a more convenient time. Time is not a resource to be wasted, killed, or allowed to fly away from us without our being aware of where it went.

Spend our lives. Minutes as currency. It’s like we’re paying God, handing Her our time in exchange for more breath: Here’s a minute, here’s another minute, another. And sometimes I want to be like, Can I have a refund? Or maybe an exchange. A new life. A new me. Because I’m only seventeen and I feel broke. Like I spent my life already.

Money comes and goes but time has no refund

I have no sunk costs.’”49 Sunk costs—anchoring decisions to past efforts that can’t be refunded—are a devil in a world where people change over time. They make our future selves prisoners to our past, different, selves. It’s the equivalent of a stranger making major life decisions for you.

The point is that everyone needs some exposure to the various ways of life. People buy things out of catalogues too much. They see in Time magazine that they're suppose to be feeling in such and such a way, and they dash off a check and buy that life-style sight unseen. A pig in a poke if there ever was one, for once you've bought the thing there's no refund. We ought to be able to try things before we sign up for them. Used to be you could listen to the records in a record store before you bought them. Now they're sealed, for your protection, they say. Bullshit! It's for their goddamned protection, not ours. We don't need to be protected. We need to be allowed to get a taste of something before we accept it.

Rockefeller immediately put those insights to use. At twenty-five, a group of investors offered to invest approximately $500,000 at his direction if he could find the right oil wells in which to deploy the money. Grateful for the opportunity, Rockefeller set out to tour the nearby oil fields. A few days later, he shocked his backers by returning to Cleveland empty-handed, not having spent or invested a dollar of the funds. The opportunity didn’t feel right to him at the time, no matter how excited the rest of the market was—so he refunded the money and stayed away from drilling. It

What can I say? Mathematics is a way not to be wrong, but it isn't a way not to be wrong about everything. (Sorry, no refunds!) Wrongness is like original sin; we are born to it and it remains always with us, and constant vigilance is necessary if we mean to restrict its sphere of influence over our actions. There is real danger that, by strengthening our abilities to analyze some questions mathematically, we acquire a general confidence in our beliefs, which extends unjustifiably to those things we're still wrong about. We become like those pious people who, over time, accumulate a sense of their own virtuousness so powerful as to make them believe the bad things they do are virtuous too. I'll do my best to resist the temptation. But watch me carefully.

With the nausea gone, evenings with Marlboro Man slowly began resembling the way they’d been before. We watched movies on the couch together--his head on one end, my head on the other, our legs in a tangled mess of coziness. He’d play with my toes. I’d rub his calves, which were rock hard and tough from day after day on horseback. After the purgatory of the previous weeks, things were officially delicious again. Marlboro Man was delicious again. After a love-drenched honeymoon in Australia, we’d returned home to a bitter reality that had put a screeching halt to what should have been the most romantic days of our lives together. Since my nausea had been so bad that the mere smell of skin made me sick, it had been difficult for me to lie in bed with him some nights--let alone entertain any other thoughts. It had been a cold, frigid autumn in more ways than one. If Marlboro Man hadn’t been so happy about his child developing in my body, I imagined he might have taken me back for a refund. I was so glad that this time had finally passed.

By seeing what triggers procrastination, and then making a plan to flip those triggers, doing your taxes becomes attractive. If I found myself putting off doing my taxes, I might sit down and make a plan to changes those triggers. For example, if the trigger is: • Boring: I go to my favorite café for an afternoon on Saturday to do my taxes over a fancy drink while doing some people watching. • Frustrating: I bring a book to the same café, and set a timer on my phone to limit myself to working on my taxes for thirty minutes—and only work for longer if I’m on a roll and feel like going on. • Difficult: I research the tax process to see what steps I need to follow, and what paperwork I need to gather. And I visit the café during my Biological Prime Time, when I’ll naturally have more energy. • Unstructured or Ambiguous: I make a detailed plan from my research that has the very next steps I need to take to do them. • Lacking in Personal Meaning: If I expect to get a refund, think about how much money I will get back, and make a list of the meaningful things I’ll spend that money on. • Lacking in Intrinsic Rewards: For every fifteen minutes I spend on my taxes, I set aside $2.50 to treat myself or reward myself in some meaningful way for reaching milestones.

QuickBooks Tech Support +1-877-788-4840 QuickBooks is designed and developed by intuit. QuickBooks is a good customer service provider software. If you are a customer of QuickBooks and you want credit from QuickBooks then you can easily get your credit from QuickBooks. It is an online process. To complete this process firstly go to QuickBooks Software where you installed that software. But this facility provides only those customers who are the permanent or valuable customers of QuickBooks. Before doing this you need to know the difference between refund and credit. Choose the right option which you want to use QuickBooks Accounting Software. Refund is the process when the amount is returned to the customer account. But this refund has many terms and conditions. If your request is really legal or genuine. If these conditions are fulfilled then QuickBooks refunds you. But in a credit case when you want to reduce the amount from your actual amount. Terms and conditions also apply in this case. If you want more information regarding QuickBooks credit related. You can contact our highly proficient QuickBooks Help Professional. They give you a satisfied resolution. Our QuickBooks Helpline number is+1-877-788-4840. You can choose unlimited chat for one week trial membership, you can cancel this chat process any time. Here, we are discussing different QuickBooks Support tools that perform the different functionality i.e. working of each tool is different or separate from one another. These tools are provided to resolve certain types of common problems that are needed to be encountered.

No Big Deal or the End of the World? Here’s something that should be obvious: People don’t like to have their grievances downplayed or dismissed. When that happens, even the smallest irritation can turn into an obsessive crusade. Imagine you’re staying at a hotel, and the air-conditioning isn’t working right. You call the front desk to mention it, and they say, oh yeah, they know about that, and someone is going to come fix that next week (after you’ve left). In the meantime, could you just open a window (down to that noisy, busy street)? Not a word of apology, no tone of contrition. Now what was a mild annoyance—that it’s 74F degrees when you like to sleep at 69F—is suddenly the end of the world! You swell with righteous fury, swear you’ll write a letter to management, and savage the hotel in your online review. Jean-Louis Gassée, who used to run Apple France, describes this situation as the choice between two tokens. When you deal with people who have trouble, you can either choose to take the token that says “It’s no big deal” or the token that says “It’s the end of the world.” Whichever token you pick, they’ll take the other. The hotel staff in the example above clearly took the “It’s no big deal” token and as a result forced you to take the “It’s the end of the world” token. But they could just as well have made the opposite choice. Imagine the staff answering something like this: “We’re so sorry. That’s clearly unacceptable! I can completely understand how it must be almost impossible to sleep when it’s so hot in your room. If I can’t fix this problem for you tonight, would you like me to refund your stay and help you find a different hotel room nearby? In any case, while we’re figuring out the solution, allow me to send up a bottle of ice water and some ice cream. We’re terribly sorry for this ordeal and we’ll do everything to make it right.” With an answer like that, you’re almost forced to pick the “It’s no big deal” token. Yeah, sure, some water and ice cream would be great! Everyone wants to be heard and respected. It usually doesn’t cost much to do, either. And it doesn’t really matter all that much whether you ultimately think you’re right and they’re wrong. Arguing with heated feelings will just increase the burn. Keep that in mind the next time you take a token. Which one are you leaving for the customer?

Perhaps one of the more creative promotions of all time was in 1969, when a marketer with the Procter & Gamble Company came up with the idea of giving away goldfish with each purchase of a king-size box of Spic and Span.

Six big companies refused to refund me for a bad service. I humiliated them, I threaten them, I kept their product, and I made them pay for every cent at the end. My girlfriend asked me for some time off and challenged me. I dumped her without further discussion. My computer demanded a break. And so I broke it. I have some of its letters being shipped from across the world while I type without them, for seventeen hours a day, from Monday to Sunday. And yet, this world still seriously underestimates the one that was born in the darkness and shaped by the fire. I can eat the whole planet in one single bite if I want.

How much does this thing cost?” Travis says, walking closer to it. Honestly, Travis is always like this. A negative nelly is what my mother would call him. He always has to ask the questions that nobody wants to answer because it ruins all the fun. “Well, that’s a hard question. Are you talking about the rental price or the price of all the smiles on everyone’s faces as they are having the time of their lives?” “The rental price.” “Well, here’s the thing−” I start, but he holds his hand up and looks to Tina. “$1599.00 plus deposit and taxes,” she says. “WHAT?” Travis exclaims. “No way! Forget it. This is a veto.” “You can’t use a veto for this!” I argue. “Well, I just did,” he says, shrugging. I can see he has already put the idea out of his mind, which is completely ridiculous. I mean, I know it is pretty expensive, but then I think of all the fun memories everyone will make together− and can you really put a price on that? “Travis, you’re not seeing the bigger picture here!” I argue. “We said a small party. A couple of friends, some food and wine. This,” he says, pointing to the obstacle course, “is not small.” “Who wants small for a thirtieth birthday party? I mean, you only turn thirty once−” From the look on Travis’ face I decide to switch tactics. “What about if we charge people?” “You’re crazy,” he says. “Not our guests, but the neighbours and stuff. Kind of like a carnival.” Actually, I just thought of that idea right here and now, but it’s not a bad one. Plus, it might be easier to have the neighbours agree to have it on the street if I let them join in the fun. “Or we could just stick to the regular plan,” Travis says and turns to Tina. “I’m sorry we wasted your time.” I already know the next part of this conversation is not going to go well. “I kind of already put the deposit down,” I say, trying to get an imaginary piece of dirt off my sweater. No one says anything and I am starting to feel pretty sorry for Tina because she looks beyond uncomfortable with the conversation. “What kind of deposit?” Travis says in a low tone. “The non-refundable kind,” I say, biting my lip. “How much was the deposit?” he asks, looking from me to Tina. Tina’s eyes are wide and she looks to me desperately, asking me to rescue her from this awkwardness. Honestly, if anyone needs a life jacket right now− it’s me. “Nimfy perfin,” I mumble. “What?” “Ninety percent,” I say, meeting his eyes. “The remaining ten percent is due on delivery.” “You really are crazy,” he says, shaking his head. “I don’t know what you are getting all worked up about,” I say. “I’m paying for it!” “Etty, this… thing… is your rent for the month!” “I’ll take extra shifts,” I say, shrugging. “I wanted to make sure Scott’s day was really special.” “It’s going to be special because he’s with his friends and family. You don’t need to do these things.” “Yes, I do!” I say. “It’s how I show people that I care about them.” “Write them a nice card,” Travis says slowly. “I knew you wouldn’t understand. You’re always the storm cloud that rains on my parade!” “No, I’m the voice of reason in a land of eternal sunshine and daisies,” he says, and turns to Tina. “Is there any way we can get her deposit back?” Tina is now fidgeting with her skirt. “No, I’m sorry, but−” “Don’t worry Tina, I don’t want my deposit back. What I want is my brother to have the best day ever with his friends and family on a hundred foot inflatable obstacle course,” I narrow my eyes at Travis while lifting my purse further up my shoulder. “Now, if you will excuse me, I have to go and start my first of twenty overtime shifts to pay for the best day of all of our lives.

have been asked if I’ve needed help so many times that I have been allowed to forget the question, the significance of it. I see, now, the way the love in my life has woven into a tapestry that I’ve been blessed enough to get to ignore. But not now, not anymore. “Yes,” I tell her. She says she will email David, she will make sure we get refunds where we can. She will handle the returns and the calls. She is my mother. She will help. That is what she does. I go back upstairs. Jill is gone. Aaron is in the other

Why people churn Most churn occurs at the time of the sale. In 2017, my churn was over 60%. I signed up customers who were a poor fit for my solution. Many customers thought Connex was an inventory management tool and others thought we built custom software. We had no onboarding process and we expected users to figure out Connex on their own. Many users failed to choose the right settings, since they are small business owners and not accountants. Since the software failed to work as expected, they quickly cancelled. From experience, most users churn in the first 30 days. It is critical that you reach out to them and ensure the software works correctly. My staff performs an onboarding and ensures Connex works to the customer’s satisfaction. Users churned because my software lacked features that it has today. We noticed a dramatic shift in churn, after implementing a sales and marketing process. In the first quarter of 2021, we had only a handful of refunds out of 100 purchases. People churn because they fail to achieve their desired result or experience. People buy Connex because they want accurate financial information, better order fulfillment, or protection from overselling. If the sync were inaccurate and unreliable then we would lose customers. In other cases, your software may become superfluous. For example, I used the excellent meeting automation tool Calendly. When I migrated to HubSpot, however, I no longer needed Calendly because HubSpot offered meeting automation as part of its suite of offerings. Even if your tool works, your customer’s desired situation or desired outcomes may change. I churned from my ticketing system because I was unhappy with the customer service and experienced technical issues with their chat and phone system. Companies often tack on features that are nowhere near as usable as their core offering.

Sunk costs—anchoring decisions to past efforts that can’t be refunded—are a devil in a world where people change over time. They make our future selves prisoners to our past, different, selves. It’s the equivalent of a stranger making major life decisions for you. Embracing the idea that financial goals made when you were a different person should be abandoned without mercy versus put on life support and dragged on can be a good strategy to minimize future regret.

We analyzed the ten tech companies worth over a billion dollars that went public in 2014 and 2015, and the average company spent a jaw-dropping $0.72 on sales and marketing for every $1.00 of sales during the three-year hypergrowth period before going public. As a matter of fact, one of the companies, Box, spent $1.59 for every $1.00 in sales! You’re probably wondering, how does a company like Box justify spending more money on sales and marketing than they generate in sales? The answer is “customer lifetime value.” Once Box mathematically proved that they could acquire a customer for less than the lifetime value (LTV) of that customer, they raised a war chest of investment capital and didn’t care if they spent more on sales and marketing than they generated in annual sales, because they knew that they would generate a big return in the long run. You probably don’t have access to a massive war chest of investment capital, but that doesn’t mean you are unable to invest more resources on growth. Instead of benchmarking your growth investment against customer lifetime value, benchmark against your bottom-line profits. Here is a list of financial scenarios and corresponding actions: If you desire growth and have a profitable business, operate at a break-even point and reinvest the profit, or a portion of the profit, back into growth. If you are running a break-even or unprofitable business, spend some time going through your expenditures looking for redundancies or unnecessary expenses. If you cannot find any opportunities to save money, prepare yourself to take a temporary pay cut (you can time this around your tax refund or right after your busy period if your business has seasonality). If you are unable to take a temporary pay cut, prepare yourself to work some extra hours (start by batching activities so you can spend a day per week working from home, and use the time you save when not having a work commute to invest in growth). If you are unable to take a temporary pay cut AND unable to work any extra hours, then read the paragraph below.

Sunk costs—anchoring decisions to past efforts that can’t be refunded—are a devil in a world where people change over time.

I don’t regret my past. I just regret the time I wasted with the wrong people. Life’s too short for bad company and useless drama. If only there was a refund policy on wasted time! But hey, even those detours taught valuable lessons, like how to spot a toxic person from a mile away. How to stay away from pessimists. So, here’s to ditching the energy vampires and spending time with people who actually matter and uplift. Let’s surround ourselves with good vibes only!

My life is ruined! My parents came home last night talking about how the teacher showed them the great essay I wrote. “I never knew you liked camp so much, son,” Dad said. “Yes, Honey. We were going to give you the summer to do whatever you wanted,” my Mom said. “Now that we know you love camp so much, we signed you up to go to camp this summer. There was a camp representative at the Parent-Teacher conference last night, so we signed you up right away.” “We even put down a non-refundable deposit for it too, son,” Dad said. “So, congratulations, you’re going to camp!” OMZ! My life is totally ruined! Now I’m going to spend my summer in the Swamp Biome at camp. Oh man, this is terrible! What am I going to do?!! I decided to ask Steve some advice on how to get out of my terrible situation. I found Steve in a cave crafting some fireworks. All of a sudden, “BOOOOMMM!” All that was left of him were his tools and his weapons. A few minutes later, Steve walked into the cave behind me. I totally understand how he does that trick now. “Hey, Steve!” “Wassup, Zombie?” Steve said. “I have a question for you.” “Shoot!” Steve said. So, I picked up his bow and arrow and I shot him. “Ow! What’d you do that for?” “You told me to shoot,” I said. “Forget about it. What’s your question?” “My Mom and Dad are making me go to camp this summer,” I said. “But I don’t want to go. I’ve got to find a way out of it, and I need your help.” “Why are they sending you to camp?” Steve asked. “Well, I kind of told them I wanted to go.” “And now, you don’t want to go?” Steve asked. “No, I never wanted to go,” I said. Steve just looked at me… Confused. “Well, I thought if I wrote an essay about how much I wanted to go to camp, my Mom and Dad wouldn’t send me to camp,” I said. After I said it out loud, I realized how dumb that idea was. “It sure made sense at the time,” I said. “So, you want to get out of camp, but your parents think you really want to go?” Steve asked. “Yeah.” “Well, you could always get in trouble and they’ll punish you by taking away your summer camp,” Steve said. Man, Steve is so smart. That was the best idea I have ever heard. So, I’ve got to get in trouble so that my parents will punish me by taking camp away. I can do that. I just have to find a class that I can fail this semester, and they’ll punish me for sure if that happens. See, this is why I always go to Steve when I need some good advice.

money is refundable but time isn't.

When the Eurozone was started, a fundamental stabilising force that existed at the level of the member-states was taken away from these countries. This is the lender of last resort function of the central bank.” EZ governments, “could no longer guarantee that the cash would always be available to roll over the government debt.” Unlike stand-alone nations, EZ members did not have “the power to force the central bank to provide liquidity in times of crisis.” This created a fundamental fragility in the monetary union. Without a buyer-of-last-resort, shocks that provide re-funding difficulties in banks or nations can trigger self-fulfilling liquidity crises that degenerate into solvency problems.

Avoiding Chargebacks "Depending on the type of business, the frequency of charge backs will be higher for some businesses and more difficult to defend. Learning15 the proper way to handle a customer chargeback will help the owner and reduce the frequency. Having to pay charge backs can be very costly to the business owner resulting in losses. It could also be very discouraging to a new business owner knowing that he has to pay a penalty, as well as refund services rendered. It would be a good idea to be aware of the things about which your customers complain frequently and make it a goal to correct, improve, or remove it. It would be very unfortunate to learn of a damaging remark about your operation made on the Internet, rather than face- to- face. Make it a point to inquire of your customer whether he was dissatisfied. Make conversation with your customer and if the customer has a complaint, make every effort to resolve it as soon as possible. Charge backs could get very costly and sometimes settling the dispute with the customer could save you money. However, there will be times when the refund should not be given or attempts to settle this on the spot should not be made. The business owner will have to use his own judgment. Jesus counsels us to “Love your enemies, do good to them which hate you, Luke 6:27, (KJV).” No doubt some business owners will have difficulty doing this when the occasion arises, and some may have learned that this is the way to go. But, I encourage you to try this. As you do more and more business, you will find this to be a very necessary way for you to resolve conflicts in your business. It will be easier to do this than to resist, as Jesus said in Matthew 5:25 (KJV), “Agree with thine adversary quickly whilst thou art in the way with him.; lest at any time the adversary deliver thee to the judge, and the judge deliver thee to the officer, and thou be cast into prison.” Being cast into prison may be an extreme outcome, but we can avoid further conflicts if we would just humble ourselves and strive to resolve our conflicts. If it is any consolation, there are rewards for acting with love. Luke 6:35 says, “But love thee your enemies and do good and lend, hoping for nothing again; and your reward shall be great, and ye shall be the children of the Highest: for he is kind unto the unthankful and to the evil.” As one can see, business owners have a higher degree of responsibility because of the number of people with whom he/she interacts.

Money is a madness, a delusion-illusion. It’s not made of metal, really. It’s made of time. How much is one’s time worth? If one can convince enough people that one’s time is an invaluable resource, then one has lots and lots of money. That’s why one can spend time—only one can never get a refund.” “I

Each day you’re given 86,400 seconds from the ‘Time Bank’. Everyone is given the same. There are no exceptions. Once you make your withdrawal, you’re free to spend it as you want. The ‘Time Bank’ won’t tell you how to spend it. Time poorly spent will not be replaced with more time. Time doesn’t do refunds.

I’m also nonrefundable.” “Surely there’s a return policy.” “Forget it. You’re way past the thirty-day refund period. You’re stuck with me now. And before you ask, I’m also nontransferable and nonexchangeable. If you donate me to charity there’s no tax write-off because technically that would be considered Human trafficking.” “Wow. You’ve got your bases covered.” “You bet. Should have paid more attention to the Dexter J. Daley boyfriend agreement.” Sloane dropped him onto the counter and stepped between his legs to pull him close. “I don’t recall this boyfriend agreement.” “You might have been sleeping at the time, but sleep during the reading of the DJDBA is covered in the fine print. As long as you have a pulse, you’re considered present and accounted for.” “Duly

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I’d prefer that you get no refund at all. If you are getting one, it means that you’ve made an interest-free loan to the government and your money has been working for them—not you—all year long.

Henry Ford once said, referring to his Model-T, the bestselling car of all time,fn7 “The customer can have any color he wants, so long as it’s black.” He understood something that businesspeople seem to have forgotten: Serving the customer (“customer service”) is not becoming a personal concierge and catering to their every whim and want. Customer service is providing an excellent product at an acceptable price and solving legitimate problems (lost packages, replacements, refunds, etc.) in the fastest manner possible. That’s it.

Today is a non-refundable investment in your life. Make it count.

There were other reasons it was so important. America was the trendsetter. Other countries around the world looked to it for innovation, new styles. There was also a culture of disposable commerce. The level of income, and the lifestyle this afforded, enabled people to take greater risks when purchasing something. They weren’t like Europeans, who thought twice, three times about buying shoes and clothes. The Americans were more impulsive. If they liked it, they bought it. If it proved to be a good purchase, they’d buy it again. If they didn’t like it, they moved on to something else, no refunds, no fuss, no hard feelings.

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Colt’s meth business owed a lot to Walmart. Many addicts stole merchandise then redeemed it for gift cards. Colt got a lot of these from his customers, back when the chain gave gift cards for exchanged new items even without a receipt. One of his customers obtained a key to the Walmart laptop cage from a friend who worked at the store. Colt took in several stolen laptops, as well as flat-screen TVs that weren’t under lock and key at Walmart. Some of his customers piled the TVs into their cars so fast that the screens broke. Colt would give them next to nothing in dope. Then he’d buy the same TV from Walmart, return with the broken TV and his new receipt and get a refund.

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I have no sunk costs Sunk costs --anchoring decision to past efforts that can't be refunded--are a devil in a world where people change over time

Once again, a single sentence would hold the key. I found it in The Economic Status of Black Women: An Exploratory Investigation, a 1990 staff report of the U.S. Commission on Civil Rights: On average married black women contribute 40 percent to household income compared with only 29 percent for white women.° Simply put, all wives did not contribute to their households in the same way: Black women were likely to earn as much (or more) money as their husbands, while white women were likely to earn much less. This was certainly true in the case of my parents (whose income was more or less equal most years). But the joint tax return system, under which most married couples file their taxes together, offers the greatest benefits to households where one spouse contributes much less than the other to household income. That meant couples like my parents-my hardworking, home-owning, God-fearing parents, who wanted to earn a little bit more to enjoy their lives after raising two daughters-weren't getting those breaks. My parents' tax bill was so high because they were married to each other. Marriage-which many conservatives assure us is the road out of black poverty -is in fact making black couples poorer. And because the IRS does not publish statistics by race, we would never know. It's long been understood that blacks and whites live in separate and unequal worlds that shape whom we marry, where we buy a home, whom we have as neighbors, and how we build a future for our children. Race affects where we go to college and how we pay for it. Race influences where we work and how much we are paid. What my research showed was that all of this also determines how much we pay in taxes. Taxpayers bring their racial identities to their tax returns. As in so many parts of American life, being black is more likely to hurt and being white is more likely to help. The implications of this go far beyond the forms you file every April. In the long run, tax policy affects whether and how you'll be able to build wealth. If you're eligible for tax breaks, you either pay less in taxes throughout the year or receive a larger refund in the spring. If, like my parents, you're considered ineligible for a particular tax break, you never see that money. One missed tax break may not sound like much, but those dollars not given to Uncle Sam can be put into your bank account, invested in stocks or property, or used to build home equity through improvements or repairs every year. Think of that money as an annual pay raise – but if you do not get it, you cannot save it. Over time those dollars, or the lack of them, add up to increased or depleted wealth.

anyone complained, she would give them their money back, but, thus far, having sold many thousands of Banksys, Picassos, Lowrys, Hirsts and Emins, not a single complaint has arisen, other than the time a delivery man threw a Kandinsky over someone’s garden wall. Full refund.

Future of Prepaid Instruments Merchants continue to have their closed loop wallets as an easy way for pushing refunds, a tactic for increasing customer stickiness. But with instant refund solutions, these wallets also may lose their charm. Only a few types of prepaid cards have some value: Gift Cards (because these are a lazy person’s gifting choice), Forex cards (Quintessential for overseas trips) and Specialised cards (Sodexo). But this status is changing with the growth of a particular sector – NBFC/LendingTech. As NBFC/LendingTech companies cannot issue credit cards so prepaid cards are used as instruments to lend the money (by doing just in time funding to the prepaid card). In Apr’21, RBI have issued new guidelines for prepaid cards/wallets: Balance limit is increased to Rs. 2,00,000 Interoperability among PPI instruments Cash withdrawal at ATM and POS PPI entities can set-up operations for NEFT/RTGS transfers With these new guidelines and boom in neo-banks & LendingTech companies, prepaid cards and wallets may get another shot at not just revival but a remarkable growth. Let’s wait and watch!

Once again, a single sentence would hold the key. I found it in The Economic Status of Black Women: An Exploratory Investigation, a 1990 staff report of the U.S. Commission on Civil Rights: On average married black women contribute 40 percent to household income compared with only 29 percent for white women.° Simply put, all wives did not contribute to their households in the same way: Black women were likely to earn as much (or more) money as their husbands, while white women were likely to earn much less. This was certainly true in the case of my parents (whose income was more or less equal most years). But the joint tax return system, under which most married couples file their taxes together, offers the greatest benefits to households where one spouse contributes much less than the other to household income. That meant couples like my parents-my hardworking, home-owning, God-fearing parents, who wanted to earn a little bit more to enjoy their lives after raising two daughters-weren't getting those breaks. My parents' tax bill was so high because they were married to each other. Marriage-which many conservatives assure us is the road out of black poverty -is in fact making black couples poorer. And because the IRS does not publish statistics by race, we would never know. It's long been understood that blacks and whites live in separate and unequal worlds that shape whom we marry, where we buy a home, whom we have as neighbors, and how we build a future for our children. Race affects where we go to college and how we pay for it. Race influences where we work and how much we are paid. What my research showed was that all of this also determines how much we pay in taxes. Taxpayers bring their racial identities to their tax returns. As in so many parts of American life, being black is more likely to hurt and being white is more likely to help. The implications of this go far beyond the forms you file every April. In the long run, tax policy affects whether and how you'll be able to build wealth. If you're eligible for tax breaks, you either pay less in taxes throughout the year or receive a larger refund in the spring. If, like my parents, you're considered ineligible for a particular tax break, you never see that money. One missed tax break may not sound like much, but those dollars not given to Uncle Sam can be put into your bank account, invested in stocks or property, or used to build home equity through improvements or repairs every year. Think of that money as an annual pay raise – but if you do not get it, you cannot save it. Over time those dollars, or the lack of them, add up to increased or depleted wealth

Time doesn’t offer a refund. We don’t get to try on the future the way we try on a bathing suit and then decide we don’t like it once we see what it looks like in natural light.

Yo momma’s so ugly, when she and your daddy go for walks they tell your daddy to put a leash on his dog. Yo momma's so ugly, when we went to the zoo, a little boy pointed to her and said, “Daddy, can I feed that monkey a banana?” Yo momma’s so ugly, when she was born the doctor apologized for malpractice and gave her momma a refund. Yo momma's so ugly people give her dog treats at the pet store. Yo momma’s so ugly the last time I saw something that looked like her, I pinned a tail on it.

Time doesn’t offer a refund.

Is the movie of your LIFE how you intended it to be? Do you feel you’re the star of your own movie, or is someone else – a celebrity, royalty, a privileged toff, a super rich person – always in the main shot? Are you an out-of-focus blur in the background? How close does your movie stick to the original script you intended for your life? If it’s nowhere near, isn’t it time to change the script or change your life? Become the star of your own movie, transform it into colour rather than the dull black and white it is now. Ask yourself – if the movie of your life was in a cinema, would you watch it? Would you want other people to see it? Would they walk out because it’s so boring? Even worse, would you walk out too and demand a refund?

Sunk costs---anchoring decisions to past efforts that can't be refunded--are the devil in a world where people change over time. They make our future selves prisoners to our past, different, selves. It's the equivalent of a stranger making major life decisions for you.

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