Types Of Credit Quotes

All of them are the same type; girls with overprocessed hair and too much makeup and way too much access to Daddy’s credit cards. Girls who, if you took away the designer labels, hair dye and cover-up, wouldn’t be more than average-looking, but with all that stuff look too plastic to be pretty.

I think there are many ways to matter." He plucks the book from his pocket. "These are the words of a man - Voltaire. But they are also the hands that set the type. The ink that made it readable, the tree that made the paper. All of them matter, though credit goes only to the name on the cover.

...her other paramour was a student at the UASD -- one of those City College types who's been in school eleven years and is always five credits shy of a degree. Students today don't mean na; but in Latin America whipped into a frenzy by the fall of Arbenz, by the stoning of Nixon, by the Guerillas of the Sierra Madre, by the endless cynical maneuverings of the Yankee Pig Dogs -- in a Latin America already a year and a half into the Decade of Guerilla -- a student was something else altogether, an agent for change, a quantum string in the staid Newtonian universe. Such a student was Arquimedes. He also listened to the shortwave, but not for Dodgers scores; what he risked his life for was the news leaking out of Havana, news of the future. Arquemides was, therefore, a student, the son of a Zapatero and a midwife, a tirapiedra and a quemagoma for life. Being a student wasn't a joke, not with Trujillo and Johnny Abbes scooping up everybody following the foiled Cuban Invasion of 1959.

The three of us exchanged glances but said nothing. After all, what was there to say? The truth was that hookers did take credit cards—or at least ours did! In fact, hookers were so much a part of the Stratton subculture that we classified them like publicly traded stocks: Blue Chips were considered the top-of-the-line hooker, zee crème de la crème. They were usually struggling young models or exceptionally beautiful college girls in desperate need of tuition or designer clothing, and for a few thousand dollars they would do almost anything imaginable, either to you or to each other. Next came the NASDAQs, who were one step down from the Blue Chips. They were priced between three and five hundred dollars and made you wear a condom unless you gave them a hefty tip, which I always did. Then came the Pink Sheet hookers, who were the lowest form of all, usually a streetwalker or the sort of low-class hooker who showed up in response to a desperate late-night phone call to a number in Screw magazine or the yellow pages. They usually cost a hundred dollars or less, and if you didn’t wear a condom, you’d get a penicillin shot the next day and then pray that your dick didn’t fall off. Anyway, the Blue Chips took credit cards, so what was wrong with writing them off on your taxes? After all, the IRS knew about this sort of stuff, didn’t they? In fact, back in the good old days, when getting blasted over lunch was considered normal corporate behavior, the IRS referred to these types of expenses as three-martini lunches! They even had an accounting term for it: It was called T and E, which stood for Travel and Entertainment. All I’d done was taken the small liberty of moving things to their logical conclusion, changing T and E to T and A: Tits and Ass!

The other type of politician tends to be manipulative, selfish, and have unhealthy needs to be the center of attention. These people play games, start rumors, get little done but take credit for others’ work, and jockey to been seen as indispensable to their leaders. Leaders who fall under this type of politician’s spell often have teams with poor morale and performance. Partners

Do you think a life has any value if one doesn’t leave some mark upon the world?' Remy’s expression sobers, and he must read the sadness in her voice, because he says, 'I think there are many ways to matter.' He plucks the book from his pocket. 'These are the words of a man—Voltaire. But they are also the hands that set the type. The ink that made it readable, the tree that made the paper. All of them matter, though credit goes only to the name on the cover.' He has misread her, of course, assumed the question stemmed from a different, more common fear. Still, his words hold weight—though it will be years before Addie discovers just how much.

Whatever I have to do here, I’m ready for it. Work hard, do my homework, get an A, get back home to Bob and the kids, and back to work. Back to normal. I’m determined to recover 100 percent. One hundred percent has always been my goal in everything, unless extra credit is involved, and then I shoot higher. Thank God I’m a competitive, type A perfectionist. I’m convinced I’m going to be the best traumatic brain injury patient Baldwin has ever seen. But they won’t be seeing me for very long because I also plan to recover faster than anyone here would predict. I wonder what the record is.

It must not be thought, however, that in pagan Ireland Fairyland was altogether conceived as a Hades or place of the dead. We have already seen that in some of its types and aspects it was inherently nothing of the sort; as when, for example, it came to be confused with the Land of the Gods. In all likelihood these separate paradises and deadlands of a nature so various were the result of the stratified beliefs of successive races dwelling in the same region. A conquering race would scarcely credit that its heroes would, after death, betake themselves to the deadland of the beaten and enslaved aborigines. The gods of vanquished races might be conceived as presiding over spheres of the dead for which their victors would have nothing but contempt, and which, because of that very contempt, might come to be conceived as hells or places of a debased and grovelling kind, pestiferous regions which only the spirits of despised "natives" or the undesirable might inhabit.

But even though nobody from the government ever says anything out loud about a lack of evidence being the real reason nobody from these companies goes to jail, we’re all—including reporters who cover this stuff—still supposed to accept that as the real explanation. It’s a particular feature of modern American government officials, particularly Democratic Party types, that they often expect the press and the public to give them credit for their unspoken excuses. They’ll vote yea on the Iraq war and the Patriot Act and nay for a public option or an end to torture or a bill to break up the banks. Then they’ll cozy up to you privately and whisper that of course they’re with you in spirit on those issues, but politically it just wasn’t possible to vote that way. And then they start giving you their reasons.

I think there are many ways to matter.” He plucks the book from his pocket. “These are the words of a man—Voltaire. But they are also the hands that set the type. The ink that made it readable, the tree that made the paper. All of them matter, though credit goes only to the name on the cover.

I think there are many ways to matter.' He plucks the book from his pocket. 'These are the words of a man—Voltaire. But they are also the hands that set the type. The ink that made it readable, the tree that made the paper. All of them matter, though credit goes only to the name on the cover.

Casting people look at your picture, then at you to see if it matches. Are you actually a girl? Do you have blond hair? You sporting a rack of any significance? If you’re what they are looking for, they turn over to your résumé, scan your credits and your lies, then scribble down this magic word: callback.” Bob rolled paper into the old Royal, adjusted the margins and tabs, and within minutes had typed out a crisp, clear, and clean résumé that made Sue look like she was as experienced a dreamer as ever hopped a bus to the big city. She could boast of thirty roles. The one thing missing from the paper was her name at the top.

To promote trade along these routes, Mongol authorities distributed an early type of combined passport and credit card. The Mongol paiza was a tablet of gold, silver, or wood larger than a man’s hand, and it would be worn on a chain around the neck or attached to the clothing. Depending on which metal was used and the symbols such as tigers or gyrfalcons, illiterate people could ascertain the importance of the traveler and thereby render the appropriate level of service. The paiza allowed the holder to travel throughout the empire and be assured of protection, accommodations, transportation, and exemption from local taxes or duties.

This idea about crossing borders many times a day on the internet…Well, imagine there’s a blogger in Australia and they’ve written a nice article and actually they want to be paid a little bit of money when people read their thing. He’s not set up on Visa, you don’t want to type out all this stuff on a credit card. Surely, if you were to pay him 50p’s worth of bitcoin for this incredible article that he’s written, or a piece of data that he’s calculated that for some reason has value to you, it enables little transactions like that to happen on a vast scale. You can do it quickly and simply and get rid of all this noise in the middle. Ironically, I think cryptos are more likely to push the world towards paid content than the other way around – because they enable it in a way that wasn’t possible before.

That’s partly because, as social psychologists have found in decades’ worth of studies, high achievers usually take too much credit for their successes and assign too much external blame for their failures. It’s a type of attribution bias that protects self-esteem but also prevents learning and growth. People focus on situational factors or company politics instead of examining their own role in the problem.

Stanley Kowalski: I don't go in for that stuff. Blanche DuBois: What stuff? Stanley Kowalski: Compliments to women about their looks. I never met a woman yet that didn't know if she was good-looking or not without being told, and some of them give themselves credit for more than they've got. I once went out with a woman who told me, " I'm the glamorous type," she says, "I am the glamorous type!" I say, "So What?" Blanche DuBois: And what did she say then? Stanley Kowalski: She didn't say nothing. That shut her up like a clam.

1. What is this force, Lucilius, that drags us in one direction when we are aiming in another, urging us on to the exact place from which we long to withdraw? What is it that wrestles with our spirit, and does not allow us to desire anything once for all? We veer from plan to plan. None of our wishes is free, none is unqualified, none is lasting. 2. "But it is the fool," you say, "who is inconsistent; nothing suits him for long." But how or when can we tear ourselves away from this folly? No man by himself has sufficient strength to rise above it; he needs a helping hand, and some one to extricate him. 3. Epicurus remarks that certain men have worked their way to the truth without any one's assistance, carving out their own passage. And he gives special praise to these, for their impulse has come from within, and they have forged to the front by themselves. Again, he says, there are others who need outside help, who will not proceed unless someone leads the way, but who will follow faithfully. Of these, he says, Metrodorus was one; this type of man is also excellent, but belongs to the second grade. We ourselves are not of that first class, either; we shall be well treated if we are admitted into the second. Nor need you despise a man who can gain salvation only with the assistance of another; the will to be saved means a great deal, too. 4. You will find still another class of man, – and a class not to be despised, – who can be forced and driven into righteousness, who do not need a guide as much as they require someone to encourage and, as it were, to force them along. This is the third variety. If you ask me for a man of this pattern also, Epicurus tells us that Hermarchus was such. And of the two last-named classes, he is more ready to congratulate the one, but he feels more respect for the other; for although both reached the same goal, it is a greater credit to have brought about the same result with the more difficult material upon which to work.

The more difficult it becomes to process a series of statements, the less credit you give them overall. During metacognition, the process of thinking about your own thinking, if you take a step back and notice that one way of looking at an argument is much easier than another, you will tend to prefer the easier way to process information and then leap to the conclusion that it is also more likely to be correct. In experiments where two facts were placed side by side, subjects tended to rate statements as more likely to be true when those statements were presented in simple, legible type than when printed in a weird font with a difficult-to-read color pattern. Similarly, a barrage of counterarguments taking up a full page seems to be less persuasive to a naysayer than a single, simple, powerful statement.

Also I do not know who needs to fucking hear this. But the gods really can fucking manifest here. They choose to come here. They choose to change with the stories that are told about them. They choose to take the credit humans give them for things they aren't 100% of the time truly responsible for. They can perform miracles. They can shapeshift. They can take vessels. The fairy realm is a real fucking place outside the astral you can visit. These things are fucking real and have value and power and if you are on this path or stupid enough to disregard all that you are A, either going to get yourself killed or B, will never truly learn the secrets you’re meant to learn, rise as high as your meant to rise, or power yourself with what you can. If you are really so vein and stupid not to believe they are real or can do these types of things? How dare you call yourself a fucking witch.

Remy nods thoughtfully. "Small places make for small lives. And some people are fine with that. They like knowing where to put their feet. But if you only walk in other people's steps, you cannot make your own way. You cannot leave a mark." Addie's throat tightens. "Do you think a life has bay value if one doesn't leave some mark upon the world?" Remy's expression sobers, and he must read the sadness in her voice, because he says, "I think there are many ways to matter." He plucks the book from his pocket. "These are the words of a man - Voltaire. But they are also the hands that set the type. The ink that made it readable, the tree that made the paper. All of them matter, though credit goes only to the name on the cover." He has misread her, of course, assumed the question stemmed from a different, more common fear. Still, his words hold weight -- though it will be years before Addie discovers just how much.

The German economic system as it existed before the war depended on three main factors: I. Overseas commerce as represented by her mercantile marine, her colonies, her foreign investments, her exports, and the overseas connections of her merchants; II. The exploitation of her coal and iron and the industries built upon them; III. Her transport and tariff system. Of these the first, while not the least important, was certainly the most vulnerable. The Treaty aims at the systematic destruction of all three, but principally of the first two. I (1) Germany has ceded to the Allies all the vessels of her mercantile marine exceeding 1600 tons gross, half the vessels between 1000 tons and 1600 tons, and one quarter of her trawlers and other fishing boats.[9] The cession is comprehensive, including not only vessels flying the German flag, but also all vessels owned by Germans but flying other flags, and all vessels under construction as well as those afloat.[10] Further, Germany undertakes, if required, to build for the Allies such types of ships as they may specify up to 200,000 tons[11] annually for five years, the value of these ships being credited to Germany against what is due from her for Reparation.[12]

And don’t tell me again that you were ten years old. Your age has nothing to do with what I’m talking about. There are no big changes between ten and twenty—or ten and eighty, for that matter. You still can’t love a Jesus as much as you’d like to who did and said a couple of things he was at least reported to have said or done—and you know it. You’re constitutionally unable to love or understand any son of God who throws tables around. And you’re constitutionally unable to love or understand any son of God who says a human being, any human being—even a Professor Tupper—is more valuable to God than any soft, helpless Easter chick.” Franny was now facing directly into the sound of Zooey’s voice, sitting bolt upright, a wad of Kleenex clenched in one hand. Bloomberg was no longer in her lap. “I suppose you can,” she said, shrilling. “It’s beside the point whether I can or not. But, yes, as a matter of fact, I can. I don’t feel like going into it, but at least I’ve never tried, consciously or otherwise, to turn Jesus into St. Francis of Assisi to make him more ‘lovable’—which is exactly what ninety-eight per cent of the Christian world has always insisted on doing. Not that it’s to my credit. I don’t happen to be attracted to the St. Francis of Assisi type. But you are. And, in my opinion, that’s one of the reasons why you’re having this little nervous breakdown.

Social networks including Facebook, Twitter and Pinterest took a step closer to offering ecommerce on their own platforms this week, as the battle to win over retailers hots up. Facebook announced on Thursday it is trialling a “buy” button to allow people to purchase a product without ever leaving the social network’s app. The initial test, with a handful of small and medium-sized businesses in the US, could lead to more ecommerce companies buying adverts on the network. It could also allow Facebook to compile payment information and encourage people to make more transactions via the platform as it would save them typing in card numbers on smartphones. But the social network said no credit or debit card details will be shared with other advertisers. Twitter acquired CardSpring, a payments infrastructure company, this week for an undisclosed price as part of plans to feature more ecommerce around live events or, as it puts it, “in-the-moment commerce experiences”. CardSpring connects payment details with loyalty cards and coupons for transactions online and in stores. The home of the 140-character message hired Nathan Hubbard, former chief executive of Ticketmaster, last year to work on creating an ecommerce product. It has since worked with Amazon, to allow people to add things to their online basket by tweeting, and with Starbucks to encourage people to tweet to buy a coffee for a friend.

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.

What this means is that the (Infinity) of points involved in continuity is greater than the (Infinity) of points comprised by any kind of discrete sequence, even an infinitely dense one. (2) Via his Diagonal Proof that c is greater than Aleph0, Cantor has succeeded in characterizing arithmetical continuity entirely in terms of order, sets, denumerability, etc. That is, he has characterized it 100% abstractly, without reference to time, motion, streets, noses, pies, or any other feature of the physical world-which is why Russell credits him with 'definitively solving' the deep problems behind the dichotomy. (3) The D.P. also explains, with respect to Dr. G.'s demonstration back in Section 2e, why there will always be more real numbers than red hankies. And it helps us understand why rational numbers ultimately take up 0 space on the Real Line, since it's obviously the irrational numbers that make the set of all reals nondenumerable. (4) An extension of Cantor's proof helps confirm J. Liouville's 1851 proof that there are an infinite number of transcendental irrationals in any interval on the Real Line. (This is pretty interesting. You'll recall from Section 3a FN 15 that of the two types of irrationals, transcendentals are the ones like pi and e that can't be the roots of integer-coefficient polynomials. Cantor's proof that the reals' (Infinity) outweighs the rationals' (Infinity) can be modified to show that it's actually the transcendental irrationals that are nondenumerable and that the set of all algebraic irrationals has the same cardinality as the rationals, which establishes that it's ultimately the transcendetnal-irrational-reals that account for the R.L.'s continuity.)

Imagine yourself sitting at a computer, about to visit a website. You open a Web browser, type in a URL, and hit Enter. The URL is, in effect, a request, and this request goes out in search of its destination server. Somewhere in the midst of its travels, however, before your request gets to that server, it will have to pass through TURBULENCE, one of the NSA’s most powerful weapons. Specifically, your request passes through a few black servers stacked on top of one another, together about the size of a four-shelf bookcase. These are installed in special rooms at major private telecommunications buildings throughout allied countries, as well as in US embassies and on US military bases, and contain two critical tools. The first, TURMOIL, handles “passive collection,” making a copy of the data coming through. The second, TURBINE, is in charge of “active collection”—that is, actively tampering with the users. You can think of TURMOIL as a guard positioned at an invisible firewall through which Internet traffic must pass. Seeing your request, it checks its metadata for selectors, or criteria, that mark it as deserving of more scrutiny. Those selectors can be whatever the NSA chooses, whatever the NSA finds suspicious: a particular email address, credit card, or phone number; the geographic origin or destination of your Internet activity; or just certain keywords such as “anonymous Internet proxy” or “protest.” If TURMOIL flags your traffic as suspicious, it tips it over to TURBINE, which diverts your request to the NSA’s servers. There, algorithms decide which of the agency’s exploits—malware programs—to use against you. This choice is based on the type of website you’re trying to visit as much as on your computer’s software and Internet connection. These chosen exploits are sent back to TURBINE (by programs of the QUANTUM suite, if you’re wondering), which injects them into the traffic channel and delivers them to you along with whatever website you requested. The end result: you get all the content you want, along with all the surveillance you don’t, and it all happens in less than 686 milliseconds. Completely unbeknownst to you. Once the exploits are on your computer, the NSA can access not just your metadata, but your data as well. Your entire digital life now belongs to them.

Imagine yourself sitting at a computer, about to visit a website. You open a Web browser, type in a URL, and hit Enter. The URL is, in effect, a request, and this request goes out in search of its destination server. Somewhere in the midst of its travels, however, before your request gets to that server, it will have to pass through TURBULENCE, one of the NSA’s most powerful weapons. Specifically, your request passes through a few black servers stacked on top of one another, together about the size of a four-shelf bookcase. These are installed in special rooms at major private telecommunications buildings throughout allied countries, as well as in US embassies and on US military bases, and contain two critical tools. The first, TURMOIL, handles “passive collection,” making a copy of the data coming through. The second, TURBINE, is in charge of “active collection”—that is, actively tampering with the users. You can think of TURMOIL as a guard positioned at an invisible firewall through which Internet traffic must pass. Seeing your request, it checks its metadata for selectors, or criteria, that mark it as deserving of more scrutiny. Those selectors can be whatever the NSA chooses, whatever the NSA finds suspicious: a particular email address, credit card, or phone number; the geographic origin or destination of your Internet activity; or just certain keywords such as “anonymous Internet proxy” or “protest.” If TURMOIL flags your traffic as suspicious, it tips it over to TURBINE, which diverts your request to the NSA’s servers. There, algorithms decide which of the agency’s exploits—malware programs—to use against you. This choice is based on the type of website you’re trying to visit as much as on your computer’s software and Internet connection. These chosen exploits are sent back to TURBINE (by programs of the QUANTUM suite, if you’re wondering), which injects them into the traffic channel and delivers them to you along with whatever website you requested. The end result: you get all the content you want, along with all the surveillance you don’t, and it all happens in less than 686 milliseconds. Completely unbeknownst to you. Once the exploits are on your computer, the NSA can access not just your metadata, but your data as well. Your entire digital life now belongs to them.

I see over and beyond all these national wars, new "empires," and whatever else lies in the foreground. What I am concerned with — for I see it preparing itself slowly and hesitatingly — is the United Europe. It was the only real work, the one impulse in the souls, of all the broad-minded and deep-thinking men of this century — this reparation of a new synthesis, and the tentative effort to anticipate the future of "the European." Only in their weaker moments, or when they grew old, did they fall back again into the national narrowness of the "Fatherlanders" — then they were once more "patriots." I am thinking of men like Napoleon, Heinrich Heine, Goethe, Beethoven, Stendhal, Schopenhauer. Perhaps Richard Wagner likewise belongs to their number, concerning whom, as a successful type of German obscurity, nothing can be said without some such "perhaps." But to the help of such minds as feel the need of a new unity there comes a great explanatory economic fact: the small States of Europe — I refer to all our present kingdoms and "empires" — will in a short time become economically untenable, owing to the mad, uncontrolled struggle for the possession of local and international trade. Money is even now compelling European nations to amalgamate into one Power. In order, however, that Europe may enter into the battle for the mastery of the world with good prospects of victory (it is easy to perceive against whom this battle will be waged), she must probably "come to an understanding" with England. The English colonies are needed for this struggle, just as much as modern Germany, to play her new role of broker and middleman, requires the colonial possessions of Holland. For no one any longer believes that England alone is strong enough to continue to act her old part for fifty years more; the impossibility of shutting out homines novi from the government will ruin her, and her continual change of political parties is a fatal obstacle to the carrying out of any tasks which require to be spread out over a long period of time. A man must to-day be a soldier first and foremost that he may not afterwards lose his credit as a merchant. Enough; here, as in other matters, the coming century will be found following in the footsteps of Napoleon — the first man, and the man of greatest initiative and advanced views, of modern times. For the tasks of the next century, the methods of popular representation and parliaments are the most inappropriate imaginable.

Urgent cash loans are financial service that offered quick cash help to all types of the borrowers at the time of sudden monetary downfall. The applicant can easily gain the desired amount of cash help from this loan to sort out their numerous monetary difficulties easily within the time. The funds avail from this loan will assist the borrowers to tackle their various troubles such as paying of home rent, school fee, tuition fee, numerous pending bills and many others.

The five letters of the SOLID acronym stand for: Single Responsibility Principle: a class should have one and only one responsibility; that is, only one reason to change. The Lack of Cohesion Of Methods metric indicates the antipattern of too large a class. Open/Closed Principle: a class should be open for extension, but closed against modification. The Case Statement design smell suggests a violation. Liskov Substitution Principle: a method designed to work on an object of type T should also work on an object of any subtype of T. That is, all of T’s subtypes should preserve T’s “contract.” The refused bequest design smell often indicates a violation. Dependency Injection Principle: if two classes depend on each other but their implementations may change, it would be better for them to both depend on a separate abstract interface which is “injected” between them. Demeter Principle: a method can call other methods in its own class, and methods on the classes of its own instance variables; everything else is taboo. A design smell that indicates a violation is inappropriate intimacy.

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don’t know if you were the dress up type when you were a little kid, but no matter what you did, I’ll bet you did it with everything you had. Because that’s what little kids do. They give it their all no matter what they’re doing. I don’t think we give little kids enough credit. As much as we hate to try something new we forget that for them walking is new. Speaking is new. Laughing, gurgling, and using the privy are new. They try all of these things out of a self-confidence that we older people just can’t understand.

time. The trial balance is typically prepared at the end of a period, prior to preparing the primary financial statements. The purpose of the trial balance is to check that debits—in total—are equal to the total amount of credits. If debits do not equal credits, you know that an erroneous journal entry must have been posted. While a trial balance is a helpful check, it’s far from perfect, as there are numerous types of errors that a trial balance doesn’t catch. (For example, a trial balance wouldn’t alert you if the wrong asset account had been debited for a given transaction, as the error wouldn’t throw off the total amount of debits.) Chapter 8 Simple Summary For every transaction, a journal entry must be recorded that includes both a debit and a credit. Debits

Smart Finance’s deep-learning algorithms don’t just look to the obvious metrics, like how much money is in your WeChat Wallet. Instead, it derives predictive power from data points that would seem irrelevant to a human loan officer. For instance, it considers the speed at which you typed in your date of birth, how much battery power is left on your phone, and thousands of other parameters. What does an applicant’s phone battery have to do with creditworthiness? This is the kind of question that can’t be answered in terms of simple cause and effect. But that’s not a sign of the limitations of AI. It’s a sign of the limitations of our own minds at recognizing correlations hidden within massive streams of data. By training its algorithms on millions of loans—many that got paid back and some that didn’t—Smart Finance has discovered thousands of weak features that are correlated to creditworthiness, even if those correlations can’t be explained in a simple way humans can understand. Those offbeat metrics constitute what Smart Finance founder Ke Jiao calls “a new standard of beauty” for lending, one to replace the crude metrics of income, zip code, and even credit

Zero Line Spender, Saver, Wealth Creator Your financial personality type determines your financial position in life. Let’s say there is a zero financial line that represents a position where you owe nothing and have nothing. Perhaps you can remember those days getting started on your own. So, let us assume you just graduated from college and you’re one of the lucky few who graduated at the zero line, you owe nothing. Pretty amazing considering that in 2013, the debt on student loans exceeded all credit card debt owed in America. But fortunately, you made it out free and clear to the zero line. You’re a “Spender” so you go to the showroom and pick one out. With your job and the car as collateral, you get a car loan and you drop below the zero line. You lifestyle gets more and more expensive and since you are a ‘Spender” you probably take on credit card debt to help finance your lifestyle desires. You are constantly working your way back to becoming a zero, financially speaking. Then, you get married and now there are two in debt working their way back to zero. Eventually, children come along, and the odds of being able to put away enough money to pay your debt and interest and live on the top side of the zero line are becoming virtually impossible. Unfortunately, many Americans live in this position with little or no chance of ever living debt free. When something comes along that requires their savings, they must deplete their funds in order to avoid paying interest and then they must start saving again for their next expense. They are constantly returning to the zero line. The money they have accumulated is compounding interest, giving them uninterrupted growth. Having access to capital allows them to negotiate more favorable loans by collateralizing against their accounts rather than depleting them. They make payments to the lending institution with dollars from their current cash flow, protecting the growth of the money they have saved and invested for their future. Saving and investing with uninterrupted compounding is an important wealth concept for moving further and further away from the zero line.

An installment loan is a loan in which there are a fix number of scheduled payments in due course. Many special types of loans are installment loans, including auto loans and mortgages. An installment loan can last for many months and payments are evenly spread out over the period of the loan. So! If an emergency expense just popped up, or you're short on money to covering your bills this month, don’t stress - an installment loan from Installmentloansontario.Ca may be for you.

income, expenses, and finances: How much debt do I want to carry, and for what purpose? Would I like to pay off one or more of my credit accounts? By when? How much money do I want to make next month? Next year? Five years from now? What expenses do I want to cut down or cut out? — My home and community: What changes do I want to make in my current living environment? Do I want to fix up my home or yard? Do I want to move? What is my ideal home like? Where is it? What is my personal corner or room like? Does it have a garden, pool, or pond? Is it near the ocean, a lake, the desert, or mountains? Is it in the city or the country? What part of the world do I live in? What is my neighborhood like? What community projects am I involved in, if any? — My spiritual life: How much time do I want to devote to spiritual practices, such as meditation, classes, church, volunteer work, and so on? What books do I want to read? What classes do I want to take? What spiritual teachers, authors, or leaders do I want to meet, listen to, and/or work with? What spiritual power places do I want to visit, with whom, and when? What spiritual projects do I want to work on? What spiritual gift do I want to give to others? — My health and fitness: What changes do I want to make in my health and fitness? How much time per day or week do I want to spend exercising? What type of exercise program would I most enjoy and benefit from? Where would I exercise? With whom? What physical healings do I want? If I were to manifest my true natural state of perfect health right now, what would my body be like? About what weight or fat percentage would my body feel comfortable and healthy being? What types of foods would be in my regular diet? What would my ideal sleeping pattern be? How would I deal with stress or tension? What unnecessary stressors do I want to get rid of? What toxins (emotional or physical) can I eliminate from my diet or life? — My family life: What type of family life do I want? What about children? How much time do I want to spend with my kids? What do I want to teach or share with them? How can I be closer to my family and/or spend more quality time with them? What type of

While much of postmodernist analysis should be credited with theoretical imagination, as well as talent for capturing something of the Zeitgeist, this type of analysis nonetheless misses some crucial facts about consumption: that consumption is vitally linked to production; consumption is anchored in concrete relations; and the driving force in consumption is individual interest, as encouraged and often shaped by profit interests.

With 70 percent accuracy, my source tells me, software can assess how people feel based on the way they type, and the number of typos they make. With 79 percent precision, software can determine a user’s credit rating based on the degree to which they write in ALL CAPS.

Technically, Sheena predates even Superman, having first appeared in the primordial dawn of comic books in 1937. But her true origins are older than that. Sheena is often described as the female version of Edgar Rice Burroughs’ 1912 creation, Tarzan. The majority of Burroughs’ popular works revolves around a tension between the savage and the civilized, also seen in Sheena’s adventures. Burroughs’ work, like that of fellow adventure writer H. Rider Haggard, came out of the colonial era, and was written for men and boys who yearned for an escape from stifling modern life, through tales of dangerous worlds and exotic women. The common theme of these stories is that a man from the civilized world finds his way to a fantastic, often barbaric, world of adventure, where he falls in love with an intoxicating savage princess. While most of Burroughs’ heroines, like Dejah Thoris or Dian the Beautiful, were in need of rescuing, Haggard’s 1886 novel She introduced a stronger heroine. The novel’s English protagonist encounters the beautiful queen Ayesha, the ruler of a lost city in Africa. Ayesha is referred to as “she who must be obeyed,” and is a creature that provokes both fear and lust. Ayesha was the ultimate fantasy of civilized man: the beautiful, savage white queen, ruling a kingdom unhindered by the laws of modern morality. This brand of men’s fiction produced the swirling foam of exotic and erotic fantasy from which rose the jungle Venus known as Sheena. (...) Now that we have some historical context on these female monarchs, let’s talk about their specific origins. In the 1930s, there were several studios that produced art and stories for the various publishers who were getting into the new field of comic books. One of the most successful and prolific was the Universal Phoenix Studio, operated by two young artists named Will Eisner and Jerry Iger. In 1937, they created a female Tarzan-type character named Sheena for the British tabloid Wags. The strip was credited to the pseudonym W. Morgan Thomas, and the heroine’s name was meant to remind readers of H. Rider Haggard’s She. Demand for new comic book material was growing in the United States, and American pulp magazine publisher Fiction House was looking for material for a new comic book. Sheena made her American debut in 1938’s Jumbo Comics #1, just three months after Superman’s now legendary first appearance. She was the first female adventure character in comic books. This would be just one of her claims to fame.

But what bothers me, when I let it, is the way our new kitchen conforms so completely to the tenor of the times—our modern propensity, I mean, for cleaving to the sin and escaping the penalty. Go ahead, drive like a mania, we’ll protect you with air bags. Go on, drink your sweet soda, we took out the sugar. Type sloppy, IBM will correct you; be rude, we’ll excuse you for your insecurities; be spendthrift, there’s always a credit card . . . all these things being wholly at odds with the moral climate I grew up in, where if you sinned, you suffered, and the retributions was approximately immediate. Drive crazy, you got hurt. Be a pig, you got sick. Type sloppy, you typed it over. Be rude, you got smacked. Be extravagant you went broke.

Where do I even start? My Jah, as I like to call you. Baby, I just want you to know that I love you until eternity. I think the reason why my love is so deep for you is because while you like to tell me how strong I am, I believe that you are just as strong. I say that because you have to be strong to deal with me and the baggage that I came along with. This ride that you and I have been on, it’s been everything from perfect. At one point, it was like I was being hit with heartbreak after heartbreak, but you were right there to pick up the pieces. I don’t think most men would have stuck around for much longer. The first time I laid eyes on you, I should have taken off and run the other way when I saw you beating that man up in the middle of the apartments,” I said, getting everyone to laugh, including Jah. “But I was intrigued, so I stuck around and I’m glad that I did. I know you don’t like to take full credit for the new Antonia, but I just want you to know that you play a very important role in my self-confidence. You taught me from the beginning not to let people talk to me any type of way, and you instilled in me

No one can post a false transaction without ownership of the corresponding account due to the asymmetric key cryptography protecting the accounts. You have one “public” key representing an address to receive tokens and a “private” key used to unlock and spend tokens over which you have custody. This same type of cryptography is used to protect your credit card information and data when using the Internet. A single account cannot “double spend” its tokens because the ledger keeps an audit of the balance at any given time and the faulty transaction would not clear. The ability to prevent a double spend without a central authority illustrates the primary advantage of using a blockchain to maintain the underlying ledger.

There are four types of levers that policy makers can pull to bring debt and debt service levels down relative to the income and cash flow levels that are required to service them: Austerity (i.e., spending less) Debt defaults/restructurings The central bank “printing money” and making purchases (or providing guarantees) Transfers of money and credit from those who have more than they need to those who have less

In 2020, 68.1% of U.S. mortgage loans were originated by non-banks; they were instead initiated by mortgage loan companies. What do you need a bank for? Remember in the movie,[4] “If I write a loan on a Friday afternoon, it’s sold to a big [investment] bank by Monday lunch.” The financial system changed very little from 1914 to 1980, but think about how much it changed from 1980 to today. The Federal Reserve was originally designed to provide liquidity to banks. That’s it. Back then, a financial institution could be a bank, trust company, credit union, or Savings and Loan. I can’t even list all of the different types of financial institutions there are today. Back then, the financial instruments were mortgage loans, corporate loans, stocks, bonds, and commercial paper. Did I miss anything? Once again, I can’t even list all of the different types of financial instruments today.

Regardless, I wouldn’t kiss Xavier Castillo if he were the last man on earth,” I said coolly. “He is not my type.” He’s also gorgeous, and kind, and smarter than people give him credit for, a voice sang in my head.

Brennan credited his time in the army with shaping his deep suspicion of government. While he was fighting at the front, his draft board sent a letter to his home stating he would be fined and imprisoned if he did not turn up for his physical. “Just goes to show how much the government knows about what’s going on,” he said. On April 4, 1919, Walter Brennan was one of six thousand returning troops that Governor Calvin Coolidge saluted as their ship docked. Six days later, while the demobbed Brennan was marching in a Swampscott parade, he spotted Ruth Wells, the daughter Lynn’s local sheriff, crossing the street. Walter’s and Ruth’s families knew one another, but Walter, three years older than Ruth, had not paid that much attention to her until he went away to war and began writing letters to her. When Ruth was six, she broke a bottle belonging to Walter’s mother, and nine-year-old Walter teased her to tears by telling her, “she’d get it when they got home.” During the war, she attended Simmons College, graduating in 1919 from a three-year program in secretarial studies, having taken courses not only in shorthand, typing, business practices, commercial law, and economics, but also in English, History, French, and German. Her yearbook entry in The Microcosm gives the impression of a lively and sociable personality with interests in the theater, parties, and dances. She was not one to sulk or spend much time worrying. “He kind of discovered you,” Ralph Edwards said to Ruth. “Oh, I did that,” she explained. “We were invited by Walter’s mother to dinner, my mother and my two sisters . . . Walter

She was a clever girl, but she filled that brain of hers with far too much fluff on the types of gowns and the styles of bonnets. Then again, he shouldn’t be wishing her intelligence was put to use elsewhere. Lord knows the little chit might end up a brilliant political hostess or married to a member of the House of Lords. He wouldn’t give her credit for anything less and the very idea of her having any influence over a man in politics was terrifying. -Lucien's thoughts about Audrey

Part of what makes credit cards work is that they simplify transactions for both buyers and sellers. Concentrating on just a few cards further simplifies matters on both sides of the market. Thus ever since the big shakeout, no new credit cards have joined the ranks of the majors; the barrier to market entry has proved to be too great. That said, in recent years the Internet revolution has opened the door to competition from wholly new directions—including new kinds of payment services, such as PayPal; an international network of automatic teller machines to challenge old standbys such as traveler’s checks; and maybe even new types of “virtual money” such as Bitcoin. As I write this in 2014, Apple has announced a new payment system on the latest iPhones, and we can reasonably expect that it and/or other new payment systems that make use of mobile devices will become commonplace.

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the self-help industry was worth $11 billion in the US and had earned UK publishers £60 million over the last five years. Rates of antidepressant use had increased by 400 per cent in the last fifteen years and were now the third most-prescribed type of medication worldwide (after cholesterol pills and painkillers). Even those lucky few who’d never so much as sniffed an SSRI or picked up a book promising to boost their mood had probably used food, booze, caffeine or a credit card to bring on a buzz. But

No discussion of this pattern would be complete without mentioning one fateful little tweak we have introduced into the set of rules that governs these types of organizations. This tweak is what makes the difference between a simple hierarchy and a bureaucracy. Whereas a traditional hierarchy appoints individuals from outside the organization to the various leadership roles, a classic bureaucracy relies upon internal promotion. It allows its members to move up through the ranks as a reward for successful completion of their assigned duties within the organization. This small innovation, which is generally credited to the Chinese, can generate significant improvements in organizational efficiency. A traditional hierarchy relies quite heavily upon negative sanctions in order to keep members “in line” at every tier. These sanctions tend to accumulate in force as one moves downward through the hierarchy, so that those at the very bottom often get “dumped on.” As a result, the overall quality of life of subordinates generally deteriorates as one moves down the organizational hierarchy. As they say in the corporate world, “Shit rolls downhill.” Bureaucratic forms of organization, however, turn this into a virtue. The prospect of moving up is used as an incentive to improve performance at every level. There is something vaguely diabolical about the incentive structure that is offered to subordinates, of course, because it organizes things in such a way that the only chance to reduce the amount that you get “dumped on” in the long term is to let people dump on you for now. But there can be no doubt that this incentive structure works.

and I avoid taking a credit card to places like Renaissance Faires so I can't make impulse purchases. Communication

Bill Wilson would never have another drink. For the next thirty-six years, until he died of emphysema in 1971, he would devote himself to founding, building, and spreading Alcoholics Anonymous, until it became the largest, most well-known and successful habit-changing organization in the world. An estimated 2.1 million people seek help from AA each year, and as many as 10 million alcoholics may have achieved sobriety through the group.3.12,3.13 AA doesn’t work for everyone—success rates are difficult to measure, because of participants’ anonymity—but millions credit the program with saving their lives. AA’s foundational credo, the famous twelve steps, have become cultural lodestones incorporated into treatment programs for overeating, gambling, debt, sex, drugs, hoarding, self-mutilation, smoking, video game addictions, emotional dependency, and dozens of other destructive behaviors. The group’s techniques offer, in many respects, one of the most powerful formulas for change. All of which is somewhat unexpected, because AA has almost no grounding in science or most accepted therapeutic methods. Alcoholism, of course, is more than a habit. It’s a physical addiction with psychological and perhaps genetic roots. What’s interesting about AA, however, is that the program doesn’t directly attack many of the psychiatric or biochemical issues that researchers say are often at the core of why alcoholics drink.3.14 In fact, AA’s methods seem to sidestep scientific and medical findings altogether, as well as the types of intervention many psychiatrists say alcoholics really need.1 What AA provides instead is a method for attacking the habits that surround alcohol use.3.15 AA, in essence, is a giant machine for changing habit loops. And though the habits associated with alcoholism are extreme, the lessons AA provides demonstrate how almost any habit—even the most obstinate—can be changed.

the Greeks are credited with the invention of democracy only on condition that its link with that rather exceptional type of massacre based on the phalanx is glossed over—that is, with the invention of a form of line warfare that replaces skill, bravery, prowess, extraordinary strength, and genius with pure and simple discipline, absolute submission of each to the whole. When the Persians found themselves facing such an effective way of waging war, but one that reduced the life of the foot soldier in the phalanx to nothing, they rightly judged it to be perfectly barbaric, as did so many of those enemies whom the Western armies were to crush subsequently

debit (or credit) to an account may increase it or decrease it, depending upon what type of account it is: A debit entry will increase an asset account, and it will decrease a liability or owners’ equity account.          A credit entry will decrease an asset account, and it will increase a liability or owners’ equity account.

Heal is a smartphone app similar to the on-demand car service Uber, but instead of a car, a doctor shows up at your door. Users download the app and then type in a few details such as address and the reason for the visit. After adding a credit card and a request for a family doctor or a pediatrician, the physician arrives in 20 to 60 minutes for a flat fee of $99. Heal began in Los Angeles in February, recently expanded to San

Let me be straight with you: I’m not really qualified to write this book. I don’t have a Bible or seminary degree. I’m not a pastor or a counselor. I don’t know biblical languages and don’t know how to do exegesis—whatever that even is. Again, I’m just a messed-up twenty-three-year-old guy. But I know that God has quite the sense of humor. It only takes a quick peek into Christian history to realize I’m almost the exact type of person he is looking for. A wise man two thousand years ago put it this way: “But God chose what is foolish in the world to shame the wise; God chose what is weak in the world to shame the strong.”1 Paul tells us that God loves using people who are useless by worldly standards—because then he gets all the credit. A crooked stick can still draw a straight line, and a messed-up dude like me can still write about an awesome God. I’ve tasted grace and can’t help but tell others about it.

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There is often much good in the type of boss, especially common in big cities, who fulfills towards the people of his district in rough and ready fashion the position of friend and protector. He uses his influence to get jobs for young men who need them. He goes into court for a wild young fellow who has gotten into trouble. He helps out with cash or credit the widow who is in straits, or the breadwinner who is crippled or for some other cause temporarily out of work. He organizes clambakes and chowder parties and picnics, and is consulted by the local labor leaders when a cut in wages is threatened. For some of his constituents he does proper favors, and for others wholly improper favors; but he preserves human relations with all. He may be a very bad and very corrupt man, a man whose action in blackmailing and protecting vice is of far-reaching damage to his constituents. But these constituents are for the most part men and women who struggle hard against poverty and with whom the problem of living is very real and very close. They would prefer clean and honest government, if this clean and honest government is accompanied by human sympathy, human understanding. But an appeal made to them for virtue in the abstract, an appeal made by good men who do not really understand their needs, will often pass quite unheeded, if on the other side stands the boss, the friend and benefactor, who may have been guilty of much wrong-doing in things that they are hardly aware concern them, but who appeals to them, not only for the sake of favors to come, but in the name of gratitude and loyalty, and above all of understanding and fellow-feeling.

Annihilating nihilism is a peculiar phenomenon – the product of financial capitalism. In the sphere of financial capitalism, destroying concrete wealth is the easiest way to accumulate abstract value. The credit default swap (CDS) is the best example of this transformation of life, resources and language into nihil. The CDS is a contract in which the buyer of the CDS makes a series of payments to the seller and, in exchange, receives a pay-off if an instrument – typically a bond or loan – goes into default (fails to pay). Less commonly, the credit event that triggers the pay-off can be the restructuring or bankruptcy of a company, or even simply the downgrading of its credit rating. If the financial game is based on the premise that the value of money invested will increase as things are annihilated (if factories are dismantled, jobs are destroyed, people die, cities crumble, and so on), this type of financial profiteering is essentially constructed upon a bet on the degradation of the world.

If you are carrying large credit card balances or other types of debt with high rates of interest, start paying as much as possible toward these debts until they are fully paid off. You would be surprised at how much it can free up to put toward your retirement savings.

A couple of coworkers and I went to see the movie Collateral one evening. When we came back to the office around 11:00 (to go back to work), we ran into Chris Metzen sitting in the hallway. Upper management was making an effort to stay late with the team to show solidarity, and tonight was Chris’s night. He was playing the new beta and preparing for the final boss fight in Gnomeregan. Dungeon crawls were far more intense than anything he was used to, and he told the people standing behind his desk that he actually felt nervous before the fight. “Dude, my heart is pumping so hard right now, I’m gonna have a fucking heart attack. Just look at my hands, they’re shaking. I’ve never been so nervous about a game before this!” As his party prepared to fight the Gnomeregan end boss monster, Mekgineer Thermaplugg, Chris typed, “Remember guys, he’s just a gnome!” After a heated battle, Chris died screaming, seconds before the boss collapsed. This was before players received postmortem credit for kills, so Chris couldn’t complete his dungeon quest. He was so disappointed, he immediately went home. When I told Jeff what had happened the next morning, he laughed and replied, “Ouch. That really sucks. We should give kill-credit to everyone in the party, dead or alive.

EXPLORE WAYS TO STOP A HABIT The Fogg Behavior Model applies to all types of behavior change. In this exercise, you’ll explore simple ways to stop a habit. Step 1: Write down three habits that you’d like to stop. Try to be specific. For instance, write “Stop buying soda for lunch” rather than “Stop drinking soda.” Step 2: For each habit, think of ways you might remove (or avoid) the prompt. If you can’t think of anything, that’s okay. Move on to the next step. Step 3: For each habit, think of ways to make it harder to do (ability). Step 4: For each habit, think of ways to reduce your motivation. Step 5: For each habit, select your best solution from steps 2, 3, and 4. Extra Credit: Put your solution into practice.

In the upcoming months I would learn more about DPG’s history, but early on I learned about one derivatives trade that I think exemplifies the group’s business. This particular trade, and its acronym, were among the group’s most infamous early inventions, although it still is popular among certain investors. The trade is called PERLS. PERLS stands for Principal Exchange Rate Linked Security, so named because the trade’s principal repayment is linked to various foreign exchange rates, such as British pounds or German marks. PERLS look like bonds and smell like bonds. In fact, they are bonds—an extremely odd type of bond, however, because they behave like leveraged bets on foreign exchange rates. They are issued by reputable companies (DuPont, General Electric Credit) and U.S. government agencies (Fannie Mae, Sallie Mae), but instead of promising to repay the investor’s principal at maturity, the issuers promise to repay the principal amount multiplied by some formula linked to various foreign currencies. For example, if you paid $100 for a normal bond, you would expect to receive interest and to be repaid $100 at maturity, and in most cases you would be right. But if you paid $100 for PERLS and expected to receive $100 at maturity, in most cases you would be wrong. Very wrong. In fact, if you bought PERLS and expected to receive exactly your principal at maturity, you either did not understand what you were buying, or you were a fool. PERLS are a kind of bond called a structured note, which is simply a custom-designed bond. Structured notes are among the derivatives that have caused the most problems for buyers. If you own a structured note, instead of receiving a fixed coupon and principal, your coupon or principal—or both—may be adjusted by one or more complex formulas.

EXERCISE #1: EXPLORE WAYS TO STOP A HABIT The Fogg Behavior Model applies to all types of behavior change. In this exercise, you’ll explore simple ways to stop a habit. Step 1: Write down three habits that you’d like to stop. Try to be specific. For instance, write “Stop buying soda for lunch” rather than “Stop drinking soda.” Step 2: For each habit, think of ways you might remove (or avoid) the prompt. If you can’t think of anything, that’s okay. Move on to the next step. Step 3: For each habit, think of ways to make it harder to do (ability). Step 4: For each habit, think of ways to reduce your motivation. Step 5: For each habit, select your best solution from steps 2, 3, and 4. Extra Credit: Put your solution into practice.

In the rein of ignorance, the constant state of war which lasted for twenty years did not stop a certain amount of rationality that allowed this writings. pg200 And young men are accustomed from the first to idleness, effeminacy and frivolity, coming eventually to the business of life with empty heads and hearts crammed with false ideals…less credit and wealth, less dignity and prestige. They display vanity, but legitimate pride never. The men of pleasure are well received in society because they are light-hearted, gay, witty, dissipated, easy-going, amateurs of every pleasure. Pg224 The fair dames of the period resorted to every means to stimulate their sensibilities. They seek excitement in dissecting dead bodies. “The young Contesse de Coigny was so passionately fond of this dreadful study (Anatomy), that she would never start on a journey without taking in the boot of her traveling carriage a corpse to dissect, just as one takes with one a book to read.” – Mme. de Gengis, Mémoires, vol I. This mania for dissection was for some time extremely fashionable with ladies of quality. Pg226 On these ridiculous types was built up the whole school of impotent and despairing lovers, who under a nauseous pretence of being so romantic and interesting, prolonged for half a century longer the silly affectation of sentimental melancholy, in other words, a green-sickness of skepticism complicated with pulmonary consumption! Pg227 A familiar axiom of economic science declares that “every vicious act is followed by diminution of force.” Pg229 The Mousquetaires had began by displaying a most laudable zeal, but it was soon discovered that these gentlemen were better at noise than real work. Pg230 “The deterioration of type among noble families,” says Moreau de Tours, “is noted in numerous writers; Pope remarks to Spencer on the sorry looks of members of the English aristocracy in his day; and in the same way physiologists had even earlier noted the short stature of the Spanish grandees at the court of Philip V.” As for Frenchmen, long before 1789, they were amongst the poorest specimens of humanity, according to the testimony of many witnesses. Pg237 The practices of the man of pleasure, the libertine modes, in full completeness, count at most only some forty years of life, – after which the reign of hypocrisy sets in. Thus ends the Sword. A progress of degradation with glowing phraseology, cajoleries and falsity. They put on exaggerated airs of mock-modesty, and assume a scornful pose before their admirers, all the time longing to be noticed. The old punctilious sense of honor have ceased to exist while finally the practices of the man of pleasure, the libertine modes, in full completeness, count at most only some forty years of life, – after which the reign of hypocrisy sets in.

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Research on those with the intention and sense of having the ability to start one’s own business (entrepreneurial intention) has tended to identify a “heroic,” extraverted, not-very-sensitive type. However, HSPs have also been found to have a strong entrepreneurial intention, being skilled at recognizing opportunities (depth of processing, aware of subtle stimuli, creativity, etc.) and motivated to be self-employed and manage their own energy and resources— something I discuss in the chapter on work. Finally, John Hughes, an interim CIO and an author on best practices for CEOs, has written on the reasons HSPs make exceptional leaders. First, they notice what others miss, having a greater sense of what is happening for their team. Second, they prefer to process more than simply to take action, often standing back to let others on their team receive credit. Third, and most important, they exhibit what is called “resonant leadership,” obtaining a “feel” for what is going on, often nonverbal, so that they lead with understanding and empathy. Such leaders tend to “say and do the right things at just the right time. This isn’t luck or magic, it’s their innate ability to feel deeply, process richly, and patiently consider the right words and actions for the moment.

In those days, if you made a long-distance call from a pay phone, the operators would ask you to deposit a certain amount of money to speak for three minutes. Each type of coin would make a distinctive sound on the line, which the operator would track and credit.

My needs are. I don’t want things like other people.” Even if I could imagine a future for myself, I don’t see anything resembling the type of personal future so many others strive for. “Why? Why train yourself for such simplicity when you are worth so much . . .” My chest caves in with the look she gifts me, the one that makes me feel invincible. “You are so much more than what you let people see—than what you give yourself credit for.

You are anything but simple.” “My needs are. I don’t want things like other people.” Even if I could imagine a future for myself, I don’t see anything resembling the type of personal future so many others strive for. “Why? Why train yourself for such simplicity when you are worth so much . . .” My chest caves in with the look she gifts me, the one that makes me feel invincible. “You are so much more than what you let people see—than what you give yourself credit for.

In both World Wars Britain had powerful and self-willed Prime Ministers in Mr. Lloyd George and Sir Winston Churchill. It is to their credit that they selected equally powerful and capable Army Chiefs in Generals Robertson and Lord Alanbrooke. Alanbrooke is the beau-ideal of a great Chief of Staff and is the type of man and officer required to shield the Army from any misuse of the temporary power bestowed on the political head, or to resist the imposition of impossible military tasks. Churchill and Alanbrooke worked that most misused term Civil Supremacy in the correct and healthy way, although their personal relations were not always cordial. They led Britain from the despondency of Dunkirk in 1940 to the final Allied victories in 1945.

A strain of newly minted “cyberlibertarian” ideals informed the early Internet, which assumed that a fairly minimal communications layer was sufficient; obviously necessary higher-level architectural elements, such as persistent identities for humans, would be supplied by a hypothetical future layer of private industry. But these higher layers turned out to give rise to natural monopolies because of network effects; the outcome was a new kind of unintended centralization of information and therefore of power. A tiny number of tech giants came to own the means of access to networks for most people. Indeed, these companies came to route and effectively control the data of most individuals. Similarly, there was no provision for provenance, authentication, or any other species of digital context that might support trust, a precious quality that underlies decent societies. Neither the Internet nor the Web built on top of it kept track of back links, meaning what nodes on the Internet included references to a given node. It was left to businesses like commercial search engines to maintain that type of context. Support for financial transactions was left to private enterprise and quickly became the highly centralized domain of a few credit card and online payment companies.

Two-sided networks have two groups of users who each consistently play a distinct role in transactions. For example, credit card companies serve cardholders and merchants, recruiting websites match job seekers and corporate employers, and videogame consoles connect gamers with game developers. By contrast, one-sided networks have just one type of user. Although every Skype call has a sender and a receiver, these roles are transient: Most Skype users make and receive calls at different times.

Yes, but we should take credit for the partnerships that lead to our successes,” Lunis instructed sagely. “Those in our lives directly reflect on us. You are the type of person who has a fairy godmother. Never discount the importance of that.

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!

Many casualties?’ ‘Thirty or more. Mostly young girls from the typing pool and half of them were Catholic, there’s the irony. The Provisionals have already claimed credit, if that’s the right word. A nasty business.’ ‘Binnie Gallagher would be the first to agree with you.’ Which seemed to have little or no effect on him, for he sat staring down at the desk, whistling softly to himself while he traced complicated patterns on a memo pad with a pencil. I said, ‘Look, I’m not too happy about what you might call the security aspects

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Eventually it came to health care. Here a remarkable exchange took place among Cubans, while the Angolans listened in silence. It began when Rodolfo Puente Ferro, the able Cuban ambassador in Angola, said, “There are regions, provincial capitals, where really there is no medicine. The sick are given prescriptions, but then they have to go to the witch doctor, to the traditional healer, because there is no medicine. The mortality rate is high because of this lack of medicine.” The Cuban health authorities had tried to help, offering fifty-five types of medicine that were manufactured in Cuba, “that are really necessary and indispensable for the diseases that are found in Angola.” They had offered them at cost—$700,000 for a six-month supply. After months of silence, the Angolans had finally asked for twenty-nine of these medicines, but they had not yet been shipped because Luanda had failed to release the requisite letters of credit. Castro asked, “Can we manufacture this medicine for $700,000?” After Puente Ferro confirmed that this was possible, Fidel continued, “Well . . . then let’s do it and send it to Angola, and let them pay later. . . . We don’t want to make any profit with this medicine; we will sell it at cost. . . . If the situation is critical, we’ll send it on the first available ship, and let them pay later.” He insisted, “We cannot let a man die in a hospital, or a child, or an old person, or a wounded person, or a soldier, or whoever it may be, because someone forgot to write a letter of credit or because someone didn’t sign it. Besides, we’re not talking about large quantities. We won’t go bankrupt if you can’t pay. We won’t be ruined. If we were talking about one hundred million dollars, I would have to say, ‘Comrades, we cannot afford it.’ But if we’re only talking about $700,000 . . . We can handle it.

The study of stem cell niches in mammalian systems presents an 'arduous endeavor'; in comparison, the fly germarium is relatively easy to manipulate. In the 1990s, H. Lin, A.C. Spradling, and others used of a number of approaches to study Drosophilia GSCs and their niche, including killing specific cells in the germarium with precisely directed lasers; transplantation of cells from the ovary of one fly to another; and genetic perturbations that included the dialing up or down of Hh pathway signaling. The researchers found that following laser ablation of cells surrounding the GSCs - that is killing the niche cells - all the GSCs went on to form eggs, and the system was quickly depleted of its GSC reserve. Moreover, through genetic analyses the researchers identified specific genes required in the niche cells to maintain GSCs within the niche, as would be deduced for a gene that, when disrupted in niche cells, has the same effect as laser ablation of those cells. These studies are credited with providing the first clear experimental evidence of a stem cell niche, as well as defining what genes - what signaling pathways and other cellular activities - are important to the process. Many of the same pathways relevant in other cell types proved relevant to communication between the niche and GSCs, including the Hh pathway. The genes required for suppression of transposon mobilization by the piRNA system also have relevance to the GSC niche; disruption of the piwi gene, for example, can lead to uncontrolled proliferation of GSCs.

Another Terry film was Paid to Dance (1937), an exposé of a dance-hall racket of the type beloved by low-budget scenarists. The feminine lead was Jacqueline Wells, later Julie Bishop; third in the credits was Rita Hayworth, as yet just a starlet, but getting plenty of screen time with her steady appearances in Columbia pictures. Miss Hayworth, nee Cansino, had become an adequate actress along the way. Her Latin good looks enabled her to play villainesses if need be, or the ingénue.

In one sense—and this sounds a little hyper-sentimental—but from one angle almost every moment strikes me that way—the sheer Mystery of existence itself, the sheer and ultimate unknowability of everything, makes every moment a “holy-shit-how-did-this-happen?” moment. I’m certainly known as a philosopher, but what really strikes me the most is not the knowability of each moment, but the sheer unknowability of each moment—the magical Mystery tour of our entire trajectory—it’s awesome, amazing, unbelievable, miraculous, and completely unknowable in the last analysis—what the Christian mystics call “divine ignorance” and Zen calls “don’t-know mind”—those words are applying to the ultimate Reality! An integral approach is not a way to know it all, but to try to include in what we know as much as is humanly possible, because the only way to know anything about this ultimate Mystery is to know as much as we humanly can—the less we leave out, the more Mystery we embrace. It’s like Socrates is credited with saying: the more you know, the more unknowable you realize it all is (Socrates was said to be the wisest man alive because he realized he knew nothing at all). So every moment is a type of “holy-shit!” moment—that anything is happening at all is just miraculous, totally holy-shit miraculous.

At this time, our personal dosimeters—accumulators that registered doses of contamination a person got during his working time—were checked. Usually, these small badges were fastened to the outer part of our clothes, on our chests. Periodically, the dosimeters were examined in the laboratory, where they were burned in a special way, doses were measured, and then the badges were returned to their owners. With this procedure, the dosimeter “forgot” its previous history and was ready to register doses again. We fought against dosimeters constantly and secretly. The point was that a person having received a dose of 25 roentgen (25 R/h) should, according to the medical terms, leave Chernobyl immediately. With this, he got five months’ salary. Good money in this time. Why 25 R/h was the limit, it is difficult for me to say. I am not a specialist. I just remembered for myself that if you got more than 100 R/h, you got radiation sickness. When the authorities came to this decision, those working at the station became diametrically opposed to it. One pole—not very numerous—consisted of those who wanted to leave the Zone as soon as possible and with the five-month salary. These people, who aspired later to the reputation of Chernobyl heroes, usually tried to “forget” their accumulators and other types of dosimeters in dangerous, high-radiation places, and then would return secretly to get them. During the checking, the desired dose of 25 R/h was discovered; and if everything was done well and there was no evidence of swindle, the “hero” went back to his motherland with money and respect. There he started his struggle for privileges with more energy than a person who had actually gotten such a high dose could possibly have. The major part of the Kurchatovers—and it did them credit—took the opposite pole. People who did research in areas with doses of hundreds and thousands roentgen per hour tried to leave their dosimeters in safe places, or to shield the instruments so that they couldn't register that fatal 25 R/h. Then they could stay in Chernobyl. This was the secret war with our accumulators. The authorities knew everything about it, but did nothing. They needed specialists like air.

There’d been 350 fewer murders in 1994 than in 1993; 650 fewer than in 1990. Even Bratton didn’t take all the credit: “Nobody can be sure exactly what is going on,” he told the Times in an article titled “When Crime Recedes: New York Crime Falls, But Just Why Is a Mystery.” What the NYPD could own was the start of a virtuous cycle. At first, “fear,” wrote Fred Siegel, “declined even more rapidly than crime.” Subway ridership was up, and more New Yorkers spending more time in public space dampened opportunistic crime. The next year, murders fell to a 25-year low, making the panic over young Black superpredators appear less like science and more like White panic, but theories on both sides were being disproved. Three-quarters of New Yorkers below the poverty line were statistically in “extreme poverty,” and by 1998, more than 600,000 people a month relied on emergency meals, more than twice the number as when Giuliani took office, so if hunger made you a criminal, crime should have been shooting up. Nor were the moral measures that a Manhattan Institute type might look for—single-parent homes, for example—getting any better.

There is no reason at all for thinking that the average intelligent investor, even with much devoted effort, can derive better results over the years from the purchase of growth stocks than the investment companies specializing in this area. Surely these organizations have more brains and better research facilities at their disposal than you do. Consequently we should advise against the usual type of growth-stock commitment for the enterprising investor.* This is one in which the excellent prospects are fully recognized in the market and already reflected in a current price-earnings ratio of, say, higher than 20. (For the defensive investor we suggested an upper limit of purchase price at 25 times average earnings of the past seven years. The two criteria would be about equivalent in most cases.)† The striking thing about growth stocks as a class is their tendency toward wide swings in market price. This is true of the largest and longest-established companies—such as General Electric and International Business Machines—and even more so of newer and smaller successful companies. They illustrate our thesis that the main characteristic of the stock market since 1949 has been the injection of a highly speculative element into the shares of companies which have scored the most brilliant successes, and which themselves would be entitled to a high investment rating. (Their credit standing is of the best, and they pay the lowest interest rates on their borrowings.) The investment caliber of such a company may not change over a long span of years, but the risk characteristics of its stock will depend on what happens to it in the stock market. The more enthusiastic the public grows about it, and the faster its advance as compared with the actual growth in its earnings, the riskier a proposition it becomes.

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In all of the elite companies studied, Level 5 Leaders were in charge when they made the leap from good to great. Level 5 Leadership refers to a type of leader who is not only a highly capable individual, team player, and manager, but also embodies two essential traits: personal humility and the will to do whatever it takes to get results. Level 5 Leaders are quiet, modest, self-effacing, even reserved. They lack over-sized egos or inflated sense of self-importance. Level 5 Leaders are driven to create great results. They are not afraid to make difficult or unpopular decisions if it will better their company. While Level 5 Leaders demonstrate tenacious ambition and will to succeed, they do not devote this energy for their own benefit but instead drive it towards the company’s success. In contrast, the outsized egos and self-serving nature of the “control set” executives contributed to the deaths of their own companies. When good results happen, Level 5 Leaders credit good luck. When results are disappointing, Level 5 Leaders blame only themselves and take responsibility. Other leaders credit themselves when good results come and blame luck or other people for failures. Level 5 Leaders make sure their companies maintain excellence by setting up competent successors who will push their companies to even greater heights. In contrast, other types of managers often leave gaping holes in leadership once they retire. An unexpected finding showed that a majority of the great CEOs were home-grown. In contrast, “celebrity” executives brought into a company have shown to cause more harm than good. It is incredibly detrimental for a company to elect an ego-driven and self-serving CEO instead of a Level 5 Leader. Potential Level 5 Leaders are all around us, and it is possible for one to become a Level 5 leader by embodying their basic traits.

1.Payment history (35 percent)—Paying on time is the criterion. Missing payments hurts you here. 2.Debt (30 percent)—How much debt do you have? Too many credit card accounts will hurt you here. 3.Duration of your credit history (15 percent)—How long have you had debt? Your youth hurts you here, but you can’t do anything about that! 4.Amount of new credit (10 percent)—You don’t want to have a lot of new credit. 5.Types of credit you have (10 percent)—Good versus bad credit. A home mortgage is better than an unsecured loan (a loan that isn’t backed up by real property).

Something, which the police called a bomb, had exploded in his shed. Investigations were begun, and the efforts of the authorities were soon to be categorized by the appropriate officals as "feverish", for bombs began to go off all over the place. The police collected fragments of the exploded bombs, and the press, anxious to help the police in their work, published impressive pictures of the fragments as well as a drawing of a reconstructed bomb together with a very detailed description of how it had been made.The police had done a really first-rate job. Even my brother and myself, both of us extremely untalented men in technical matters, could easily grasp how the bomb makers had gone to work. A large quantity of ordinary black gunpowder, such as is the be found in the cartridges sold for shoutguns, was encased in plasticine; in it was embedded an explosive cap, of the type used in hand grenades during the war, at the end of a thin wire; the other end of the wire was joined to the battery of a pocket flashlight -- obtainable at any village store -- and thence to the alarm mechanism of an ordinary alarm clock. The whole contratation was packed into a soapbox. Of course my brother did his duty as a journalist.He published the police report, together with the illustrations, on page one. It was not my brother's doing that this issue of the paper had a most spectacular success and that for weeks men were still buying it; no. the credit for that must go to the police; they had done their bit to ensure that the peasantry of Schleswig-Holstein would have a healthy occupation during the long winter evenings. Instead of just sitting and indulging in stupid thoughts, or doing crossword puzzles, or assembling to hear inflamatory speeches, the peasantery was henceforth quetly and busily engaged in procuring soapboxes and alarm clock and flashlight batteries. And then the bombs really began to go of.... Nobody ever asked me what I was actually doing in Schleswig=Holstein, save perhaps Dr. Hirschfeldt, a high official in the Prussian Ministry of the Interior, who had recently taken to frequenting Salinger's salon. Occasionally, and casually, he would glance at ne with his green eyes an honour me with a question, such as: "And what are the peasants up to in the north?" To which I would usually only reply: "Thank you for your interest. According to the statistics, the standard of living is going up -- in particular, there has been in increased demand for alarm clocks.

Exposure Therapy Exposure therapy, also known as desensitization, works best with very specific anxieties and phobias. For example, Jessica is deathly afraid of spiders. With the guidance of her therapist, she started exposure therapy by simply thinking about spiders. After she felt comfortable with that, she looked at pictures of various spiders and read about them. Next, she sat in a room with a spider. Gradually, the spider got closer and closer to her. With time, Jessica was able to let the spider crawl over her hand without being afraid. Gradually, she overcame her fear of spiders. This type of therapy is most useful with specific social anxieties. Someone afraid of shopping could slowly work from walking into a store, to browsing, to trying clothes on, to making small talk with clerks, to buying something he or she likes. Someone afraid of writing in public could begin with small tasks such as signing a credit card receipt. In exposure therapy, your therapist will have you spend as much time doing each step as it takes to feel comfortable with the action. At the same time, you will practice relaxation techniques. To be successful, you need to be able to be exposed to the event repeatedly without feeling anxiety. Exposure therapy is less useful for generalized social anxiety. It is difficult to set up predictable scenarios for so many different situations. However, if you have generalized social anxiety and there is a particular area on which you want to focus, exposure therapy may be useful. When trying exposure therapy, make sure not to use avoidance techniques to get through the task, such as “acting” in an appropriate way but feeling false, or going to a social event but not speaking with anyone new. Although it is better than nothing, simply getting through the activity will not give you the full benefit of desensitization.