“
Talking to Time Magazine a few years back, Peter Drucker got to the heart of things: “I will tell you a secret: Dealmaking beats working. Dealmaking is exciting and fun, and working is grubby. Running anything is primarily an enormous amount of grubby detail work . . . dealmaking is romantic, sexy. That’s why you have deals that make no sense.
”
”
Warren Buffett (Berkshire Hathaway Letters to Shareholders, 2023)
“
A new year is to hide the old scar by hoping to heal the new ones...
”
”
Munia Khan
“
May 2023 be a year of new beginnings and not of recycled endings...a blessing tree of of new beginnings and unopened chapters waiting to be written.
”
”
hlbalcomb
“
students need only two well-taught courses—How to Value a Business, and How to Think About Market Prices. Your goal as an investor should simply be to purchase, at a rational price, a part interest in an easily-understandable business whose earnings are virtually certain to be materially higher five, ten and twenty years from now. Over time, you will find only a few companies that meet these standards—so when you see one that qualifies, you should buy a meaningful amount of stock. You must also resist the temptation to stray from your guidelines: If you aren’t willing to own a stock for ten years, don’t even think about owning it for ten minutes. Put together a portfolio of companies whose aggregate earnings march upward over the years, and so also will the portfolio’s market value. Though it’s seldom recognized, this is the exact approach
”
”
Warren Buffett (Berkshire Hathaway Letters to Shareholders, 2023)
“
In 2023, as I write this, librarians in America are on the front lines of the culture war. Censorship is at an all-time high. According to the American Library Association’s Office for Intellectual Freedom, “a record 2,571 unique titles were targeted for censorship in 2022, a 38% increase from the 1,858 unique titles targeted for censorship in 2021.” This is the highest number of attempted book bans since ALA began compiling data about censorship in libraries more than twenty years ago.
”
”
Janet Skeslien Charles (Miss Morgan's Book Brigade)
“
We have noted that corruption appears to visit the White House in fifty-year cycles. This suggests that exposure and retribution inoculate the Presidency against its latent criminal impulses for about half a century. Around the year 2023 the American people would be well advised to go on the alert and start nailing down everything in sight.
”
”
Arthur M. Schlesinger Jr. (The Imperial Presidency)
“
with others, are likely to experience such a year.
”
”
Warren Buffett (Berkshire Hathaway Letters to Shareholders, 2023)
“
Five-Year,” a term given to cash minted before 2023. That was the last year cash was produced without embedded chips that could trace every use of the currency as if it was a debit or credit card.
”
”
Gary A. Ballard (Under the Amoral Brigde)
“
financial markets will become divorced from reality — you can count on that. More Jimmy Lings will appear. They will look and sound authoritative. The press will hang on their every word. Bankers will fight for their business. What they are saying will recently have “worked.” Their early followers will be feeling very clever. Our suggestion: Whatever their line, never forget that 2+2 will always equal 4. And when someone tells you how old-fashioned that math is ---zip up your wallet, take a vacation and come back in a few years to buy stocks at cheap prices.
”
”
Warren Buffett (Berkshire Hathaway Letters to Shareholders, 2023)
“
finding a place to hide during the day while I search for another job. Not easy, considering that it’s still August in New Jersey, and that free places with AC and Wi-Fi are not common enough in the year of our Lord 2023. I find myself rediscovering the Paterson Public Library: it’s changed very little since I was seven, and welcomes me and my battered laptop to its underfunded bosom. God bless libraries.
”
”
Ali Hazelwood (Check & Mate)
“
I do wish, however, that Ms. Olson would give me some credit for the progress I’ve already made. In 1944, I filed my first 1040, reporting my income as a thirteen-year-old newspaper carrier. The return covered three pages. After I claimed the appropriate business deductions, such as $35 for a bicycle, my tax bill was $7. I sent my check to the Treasury and it — without comment — promptly cashed it. We lived in peace.
”
”
Warren Buffett (Berkshire Hathaway Letters to Shareholders, 2023)
“
How? Try to travel into the future and look back. In 2023, do you think you’re more likely to say, “Back in 2018, I wish I’d been more aggressive” or “Back in 2018, I wish I’d been more defensive”? And is there anything today about which you’d be likely to say, “In 2018, I missed the chance of a lifetime to buy xyz”? What you think you might say a few years down the road can help you figure out what you should do today.
”
”
Howard Marks (Mastering The Market Cycle: Getting the Odds on Your Side)
“
Year-to-year variances, however, cannot consistently be in our favor. Even if our partially-owned businesses continue to perform well in an economic sense, there will be years when they perform poorly in the market. At such times our net worth could shrink significantly. We will not be distressed by such a shrinkage; if the businesses continue to look attractive and we have cash available, we simply will add to our holdings at even more favorable prices.
”
”
Warren Buffett (Berkshire Hathaway Letters to Shareholders, 2023)
“
The Lucky Looking Glass by Stewart Stafford
Woken from a nightmare,
He walked to his bathroom,
Treading on a hand mirror,
Breaking it, to his horror.
Payback of a reflection dodged,
With a lifespan of scars healed,
Dark energies bilaterally wiped,
A poisonous duo counterbalanced.
From then on, Plutus's grin shone,
A Midas touch with an off switch,
Winning streaks of a Texan width,
Cracked mirror coffin for the next life.
© Stewart Stafford, 2023. All rights reserved.
”
”
Stewart Stafford
“
At Berkshire, managers can focus on running their businesses: They are not subjected to meetings at headquarters nor financing worries nor Wall Street harassment. They simply get a letter from me every two years (reproduced at the end of this letter) and call me when they wish. And their wishes do differ: There are managers to whom I have not talked in the last year, while there is one with whom I talk almost daily. Our trust is in people rather than process. A “hire well, manage little” code suits both them and me.
”
”
Warren Buffett (Berkshire Hathaway Letters to Shareholders, 2023)
“
With everything in place, engineers have begun working towards dismantling the Sarcophagus - estimated to take five years. Assuming that’s completed before 2023, when the Designed Steel Stabilisation Structure holding up the western wall is no longer guaranteed to take the weight, work can begin on removing fuel-containing material from within Unit 4. They’ll have 100 years, which sounds like a lot, but nuclear decommissioning is a notoriously laborious process. Despite the fire at England’s Windscale nuclear plant happening all the way back in 1957, clean-up work isn’t expected to finish until 2041.
”
”
Andrew Leatherbarrow (Chernobyl 01:23:40: The Incredible True Story of the World's Worst Nuclear Disaster)
“
Over the years, Charlie and I have seen all sorts of bad corporate behavior, both accounting and operational, induced by the desire of management to meet Wall Street expectations. What starts as an “innocent” fudge in order to not disappoint “the Street” — say, trade-loading at quarter-end, turning a blind eye to rising insurance losses, or drawing down a “cookie-jar” reserve — can become the first step toward full-fledged fraud. Playing with the numbers “just this once” may well be the CEO’s intent; it’s seldom the end result. And if it’s okay for the boss to cheat a little, it’s easy for subordinates to rationalize similar behavior.
”
”
Warren Buffett (Berkshire Hathaway Letters to Shareholders, 2023)
“
The Poe Toaster by Stewart Stafford
They call me The Poe Toaster,
A sixty-year mourner, no boaster,
With roses and cognac, I paid homage,
To gothic Quarles’ eternal foggage.
Some call me ghoul, stalker, graver,
Obsessed fan, tombstone trader,
Let him sleep unbroken, still his ghost,
Tomahawk, overdue a tribute toast.
Three roses; in-law, Eddy and wife,
Cognac, exorbitant luxury in life,
Relax, for I was kind, my friend,
Pouring amontillado until the end.
Why I stopped, if I'm woman or man,
Are mysteries for C. Auguste Dupin,
Shipwrecked on Night’s Plutonian shore,
Allied with the silken darkness of yore.
© Stewart Stafford, 2023. All rights reserved.
”
”
Stewart Stafford
“
to begin funding in 2024, India’s National Quantum Mission has allocated a substantial Rs 6000 crores over the next eight years. While this is a significant investment for India, it is the first notable investment into quantum technology in India. In contrast to other nations, India has seen notably much much lower industry investment and investor interest in quantum technology. When it comes to startup funding in this sector, Indian companies have collectively managed to raise less than Rs 50 crores as of December 2023. This sum is minuscule compared to the global quantum computing startup scene, where funding has exceeded this amount by nearly thousand times in the same period.
”
”
L Venkata Subramaniam (Quantum Nation: India's Leap into the Future)
“
The results of that mistake are everywhere. In 1950, the median home price was 2.2 times the average annual income; by 2020, it was 6 times the average annual income.5 Between 1999 and 2023, the average premium for employer-based family health insurance rose from $5,791 to $23,968—an increase of more than 300 percent—and the worker contribution to that premium more than quadrupled.6 In 1970, the average annual cost of tuition and fees was $394 at public colleges and $1,706 at private colleges. In 2023, it was $11,310 at public colleges for in-state students and $41,740 at private colleges.7 Child care for an infant and a four-year-old costs, on average, $36,008 in Massachusetts, $28,420 in California, and $28,338 in Minnesota.
”
”
Ezra Klein (Abundance)
“
prerelease:
Snuggie Bobo grew up in the rural Midwest, but soon became enticed with running the streets of the hood. It became an area to be conquered by all means necessary! This, of course, led to a long stay in ‘upstate’ maximum security correctional college nicknamed ‘Gladiator School’. It was the school of hard knocks where men left better criminals than they entered. In the process of trying to omit the truth of the past years’ regrets, Snuggie became educated, going as far as obtaining a PhD with the hopes to rejoin society. Unfortunately, society tends to look down upon street hoods and ex-felons! Now, Snuggie lives in Chicagoland spinning tales based on this lived history to bring the reader into his world. Sean Jr. was one of the people in this world. He was a gay brother, who lost his father to crack. His father was dealing with their family problem. Sean’s mother abused him due to his forbidden illness: lusting for men. Snuggie knew Sean since he was knee-high to a grasshopper and years later took him in. He was his mentor. These are tales out of Sean and Snuggie’s life.
© Snuggie Bobo 2023
”
”
Snuggie Bobo
“
Ring out, wild bells, to the wild sky,
The flying cloud, the frosty light:
The year is dying in the night;
Ring out, wild bells, and let him die.
Ring out the old, ring in the new,
Ring, happy bells, across the snow:
The year is going, let him go;
Ring out the false, ring in the true.
Ring out the grief that saps the mind
For those that here we see no more;
Ring out the feud of rich and poor,
Ring in redress to all mankind.
Ring out a slowly dying cause,
And ancient forms of party strife;
Ring in the nobler modes of life,
With sweeter manners, purer laws.
Ring out the want, the care, the sin,
The faithless coldness of the times;
Ring out, ring out my mournful rhymes
But ring the fuller minstrel in.
Ring out false pride in place and blood,
The civic slander and the spite;
Ring in the love of truth and right,
Ring in the common love of good.
Ring out old shapes of foul disease;
Ring out the narrowing lust of gold;
Ring out the thousand wars of old,
Ring in the thousand years of peace.
Ring in the valiant man and free,
The larger heart, the kindlier hand;
Ring out the darkness of the land,
Ring in the Christ that is to be.
”
”
Alfred Tennyson
“
A Flock of Geese"
She often wondered
about the inexplicable deep sorrow that she feels
every time she sees a flock of geese flying in the sky …
Do the flying geese remind her that she has wasted her life
stuck in the trivialities of daily life?
Or perhaps the flying birds remind her
that she’s lost her ability to fly?
She thinks at times in sadness
how she wasted the years of her life
like a naïve bride dreaming about the ideal groom...
A bride planning the minutest details of her wedding,
not realizing, until her wings were clipped,
that the wedding, the groom, and the bride
are roles and illusions created by society
to counter the dangers of all those who wish to fly;
those who dream about creating new worlds
instead of getting hanged or strangulated
in a world created by on their behalf by others …
As she hears the honking of another passing flock of geese
flying over her head as did the most beautiful years of her life
the birds awaken in her that uncontrollable itch to depart
to refuse the illusion of settling and stability
The illusion of the wedding and the groom
The illusion of all the wedding invitees
Who spend an entire night dancing, cheering, and celebrating
the clipping of her wings…
[Original poem published in Arabic on December 14, 2023 at ahewar.org]
”
”
Louis Yako
“
Statement on Hamas (October 10th, 2023)
When Israel strikes, it's "national security" - when Palestine strikes back, it's "terrorism". Just like over two hundred years ago when native americans resisted their homeland being stolen, it was called "Indian Attack". Or like over a hundred years ago when Indian soldiers in the British Army revolted against the empire, in defense of their homeland, it was called "Sepoy Mutiny".
The narrative never changes - when the colonizer terrorizes the world, it's given glorious sounding names like "exploration" and "conquest", but if the oppressed so much as utters a word in resistance, it is branded as attack, mutiny and terrorism - so that, the real terrorists can keep on colonizing as the self-appointed ruler of land, life and morality, without ever being held accountable for violating the rights of what they deem second rate lifeforms, such as the arabs, indians, latinos and so on.
After all this, some apes will still only be interested in one stupid question. Do I support Hamas? To which I say this. Until you've spent a lifetime under an oppressive regime, you are not qualified to ask that question. An ape can ask anything its puny brain fancies, but it's up to the human to decide whether the ape is worthy of a response. What do you think, by the way - colonizers can just keep coming as they please, to wipe their filthy feet on us like doormat, and we should do nothing - just stay quiet! For creatures who call themselves civilized, you guys have a weird sense of morality.
Yet all these might not get through your thick binary skull, so let me put it to you bluntly.
I don't stand with Hamas, I am Hamas, just like, I don't stand with Ukraine, I am Ukraine. Russia stops fighting, war ends - Ukraine stops fighting, Ukraine ends. Israel ends invasion, war ends - Palestine ends resistance, Palestine ends.
However, I do have one problem here. Why do civilians have to die, if that is indeed the case - which I have no way of confirming, because news reports are not like reputed scientific data, that a scientist can naively trust. During humankind's gravest conflicts news outlets have always peddled a narrative benefiting the occupier and demonizing the resistance, either consciously or subconsciously. So never go by news reports, particularly on exception circumstances like this.
No matter the cause, no civilian must die, that is my one unimpeachable law. But the hard and horrific fact of the matter is, only the occupier can put an end to the death and destruction peacefully - the resistance does not have that luxury.
”
”
Abhijit Naskar (Bulletproof Backbone: Injustice Not Allowed on My Watch)
“
A Sweet Woman from a War-Torn Country"
In her exile, they often describe her
as that “sweet woman from a war-torn country” …
They don’t know that she loved smelling roses …
That she enjoyed picking spring wildflowers
and bringing them home after long walks…
They don’t know about that first kiss her first lover stole from her
during a power outage at church on that Easter evening
Before the generators were turned on…
They don’t know anything about the long hours
she spent contemplating life
under the ancient walnut tree in her village,
while waiting for her grandfather to call her
to eat her favorite freshly baked pita bread with ghee and honey…
They don’t know anything about her grandmother’s delicious mixed grains
that she prepared every year before Easter fasting began…
In exile, they try to be nice to her…
They keep repeating that she is now in a “safe haven”…
They attribute her silence is either to her poor language skills,
or perhaps because she agrees with them…
They don’t know that the shocks of life have silenced her forever…
All she enjoys doing now is pressing her ears
against the cold window glass in her apartment
listening to the wailing wind outside …
They repeatedly remind her that she is now in a place
where all values, beliefs, religions, and ethnicities are honored,
but life has taught her that all of that is too late…
She no longer needs any of that…
All she needs, occasionally,
is a sincere hand to be placed on her shoulder
or around her neck
To remind her that nothing lasts
That this too shall pass…
[Published on April 7, 2023 on CounterPunch.org]
”
”
Louis Yako
“
The Seer's Map by Stewart Stafford
Howling dog, thou cursèd hound,
Plaguest thy master with baleful sound,
The cur's yelps taint the air around;
A dirge for all that hear thy wound.
The rooftop magpie foretells:
Herald of guests to visit soon,
A noisy speech announceth,
Companions of the afternoon.
Lucky horseshoe and iron key,
Bringeth good fortune to the finder,
But spilling salt provokes fate,
And draws the evil eye's reminder.
A shoe upon the table laid,
Tempts the dead to live anon,
For this ungracious gesture waketh,
Flesh and blood from skeleton.
Who crosses the path of hare or priest,
A perilous milestone on thy road,
Their very presence signifies
That gathering trouble doth forebode.
A toad on thy merry travels,
Brings sweet smiles and kindest charms,
Keep one about thy person warm,
To shelter safe from danger's harms.
Red sky at night delights the eye,
Of shepherd that beholds thy light,
Thy colour doth betoken dawn
Of weather fair and clear and bright.
Red sky at morn troubles the heart,
Of shepherd that surveys thy shade,
Thy hue doth presage day
Of stormy blast and tempest made.
December's thunder balm,
Speaks of harvest's tranquil mind,
January's thunder, fierce!
Warns of war and gales unkind.
An itchy palm hints at gold
To come into thy hand ere long,
But if thou scratch it, thou dost lose
The fair wind that blows so strong.
A Sunday Christmas forewarns:
Three signs of what the year shall hold;
A winter mild, a Lenten wind,
And summer dry, to then unfold.
Good luck charm on New Year's Day
Maketh fortune bloom all year,
But to lose it or give it away,
Thou dost invite ill-omened fear.
© Stewart Stafford, 2023. All rights reserved.
”
”
Stewart Stafford
“
battery prices will fall to $100 per kilowatt-hour by 2023 just by following the 16 percent per year cost improvement that the world saw between 2010 and 2016. And that’s probably a conservative estimate. GM has predicted that its lithium-ion cell costs will hit $100 per kilowatt-hour by 2021. Keep in mind that these cost reductions require no breakthrough in battery technology, and they don’t take into account improvements likely to arise from increased competition, consolidation, scale, and innovation as automakers and utilities push further into the market. The effect will be dramatic.
”
”
Hamish McKenzie (Insane Mode: How Elon Musk's Tesla Sparked an Electric Revolution to End the Age of Oil)
“
When you enter the New Year with longing for the old year, you break the heart of the New Year and you ethically forfeit the right to ask for new things that the New Year can give you!
”
”
Mehmet Murat ildan
“
The excellent Mr. Edwards was settled there, with his grandfather Stoddard, upon the opinion that the Lord’s supper was a converting ordinance, and he had gone on fifteen years in that way, until he was fully convinced that it was contrary to the Word of God; and he also found that gospel discipline could not be practiced in such a way. No sooner was his change of mind discovered, in 1744, than most of his people were inflamed against him, and never would give him a hearing upon the reasons of his change of sentiments; but they were resolute to have him dismissed. As he could not get them to hear him preach upon the subject, he printed his thoughts upon it, in 1749, though most of them would not read his book. In it he says, “that baptism, by which the primitive converts were admitted into the church, was used as an exhibition and token of their being visibly regenerated, dead to sin, and alive to God. The saintship, godliness, and holiness of which, according to Scripture, professing Christians and visible saints do make a profession and have a visibility, is not any religion and virtue that is the result of common grace, or moral sincerity, (as it is called), but saving grace.” And to prove this, he referred to Rom. 2:29; 6:1-4; Phil. 3:3; Col. 2:11, 12. [On a right to Sacraments, p. 20-23.] Though he did not design it, yet many others have been made Baptists by the same scriptures, and the same ideas from them.
”
”
Isaac Backus (Your Baptist Heritage: 1620-1804)
“
Over the past 15 years, both Internet stocks and houses have demonstrated the extraordinary excesses that can be created by combining an initially sensible thesis with well-publicized rising prices. In these bubbles, an army of originally skeptical investors succumbed to the “proof” delivered by the market, and the pool of buyers — for a time — expanded sufficiently to keep the bandwagon rolling. But bubbles blown large enough inevitably pop. And then the old proverb is confirmed once again: “What the wise man does in the beginning, the fool does in the end.
”
”
Warren Buffett (Berkshire Hathaway Letters to Shareholders, 2023)
“
At Berkshire, we will continue to look for business-savvy directors who are owner-oriented and arrive with a strong specific interest in our company. Thought and principles, not robot-like “process,” will guide their actions. In representing your interests, they will, of course, seek managers whose goals include delighting their customers, cherishing their associates and acting as good citizens of both their communities and our country. Those objectives are not new. They were the goals of able CEOs sixty years ago and remain so. Who would have it otherwise?
”
”
Warren Buffett (Berkshire Hathaway Letters to Shareholders, 2023)
“
When I am reading a poem, I rarely feel alone in the room. The poet and I are together. It’s as if the poet wrote a secret diary years ago.
”
”
Caren Van Slyke (GED Test Prep 2022-2023: 2 Practice Tests + Proven Strategies + Online (Kaplan Test Prep))
“
The Spinning Year by Stewart Stafford
Warm days, leaves of green,
Winter's looming touch between,
Harvesting in chill of night,
Spiders crawl in roused delight.
Rearranging the hibernacle,
My living quarter tabernacle,
To see out the darkened months,
Until come Spring's timed shunts.
Emerge into a world of change,
Earth's mother hand will rearrange,
Another tree ring sagely earned,
See around a new corner turned.
© Stewart Stafford, 2023. All rights reserved.
”
”
Stewart Stafford
“
The two points are only about two kilometers apart and there is no need to enter any tunnels. Even in 2023, more than ten years since this incident, the cab ride would cost about 6,000 won on an ordinary taxi during the daytime.
”
”
BTS (Beyond The Story: 10-Year Record of BTS)
“
Burn the Stage was released in March 2018 as a series of eight documentary episodes on YouTube, which were later compiled into the feature Burn the Stage: The Movie (including previously unreleased footage), which premiered simultaneously in more than seventy countries in November of the same year. The Burn the Stage series was followed by similar documentary and feature series that covered BTS’s tours and other major musical activities, including Bring the Soul (2019), Break the Silence (2020), and BTS Monuments: Beyond the Star (2023).
”
”
BTS (Beyond The Story: 10-Year Record of BTS)
“
Fate’s Smile"
That line from an old Turkish song
is still ringing my ears…
A song they used to play on the radio
in my teenage years
on hot and boring summer days…
The song had melancholy tunes,
recoded with basic technology…
The singer repeated in a hesitant and defeated voice:
Bize de bir gün kader güler, güler inşallah…
[The fate will one day smile at us, too. One day it will smile, Inshallah…]
[Original poem published in Arabic on August 12, 2023 at ahewar.org]
”
”
Louis Yako
“
Pity"
Amir sat on the same old wooden chair
Roua still remembers vividly the furniture store
where she bought that chair -
less than a month after their wedding…
The furniture store closed its doors a long time ago,
Along with the doors of their stormy pre-marital love story
perhaps in due to boredom or the shocks of the years…
She would cut his hair,
a habit that began when they were poor
and Amir couldn’t afford a barber …
Years went by and many things changed,
But Roua kept cutting his hair on the same wooden chair
almost once a month…
He sat in his underwear
She looked at his saggy skin that was getting looser
and his belly getting slightly bigger
with each haircut…
She began wandering in her mind and wondering
whether she ever loved him,
or was it an overwhelming infatuation
that turned into pity over the years
without ever passing through the corridors of love?
Her emotions kept swinging between love or pity
with each snip …
She was frightened to admit it was pity,
for the price was almost her entire life…
Yet she couldn’t sincerely determine it was love,
for she hasn’t felt any love towards him for quite a time…
Suddenly, she caught Amir looking at her
as if he could read her mind…
A tear involuntarily rolled down her eye
as she continued cutting his hair…
[Original poem published in Arabic on August 3, 2023 at ahewar.org]
”
”
Louis Yako
“
Historic Lahaina town stood for hundreds of years without issue and was destroyed by a huge fire in August 2023. What changed to cause the massive destruction?
”
”
Steven Magee
“
I start with interrogating the way the word ‘creativity’ circulates and gets used in corporate settings. What does it mean to be ‘creative’ in any corporation? If we agree that one of the key ingredients of creativity is ‘to create’, then we can safely say that most of the American people feel alienated from the work they do and from their employers, because they can’t create in the deep sense of what creativity means. Even those who do, most of them feel alienated from the product they create, because they feel it is being utilized for profit only. One quick example that comes to mind is utilizing technological advancement for surveillance and manufacturing weapons. Over the years, I have talked to many people in different professions from pilots to engineers, from coders to programmers, from doctors to other healthcare professionals, who repeatedly confirmed that they often feel that the human and creative value of what they accomplish only seems to matter to the extent it can be monetized and used to expand businesses and increase profits for the few at the top. As such, people feel alienated even with their most creative products and moments. And, if they decide to be critical of the status quo and challenge it (being critical is another key ingredient in creativity), then they face disciplinary action or dismissal from their work. Creativity, then, as propagated by corporate interests really means being creative in maximizing profits and numbers for the few at the top, and to do so, one needs to be creative to lure as many customers as possible to buy products. So, two of the key ingredients of creativity (to create and to be critical) are often replaced with maximizing profits and marketing.
[From “On the Great Resignation” published on CounterPunch on February 24, 2023]
”
”
Louis Yako
“
First we lose, then we win in Life."
Recently many people in the IT and Tech sectors are facing a difficult phase of their life. I had similarly faced a difficult phase in the Finance sector in the year 2008.
We all have gone through failures in life. But that should not stop us from trying for success. Staying hopeful and working toward our goals bring us an opportunity to achieve success.
”
”
Avijeet Das
“
New Year 2023, the German Perversion NATO COCK.
”
”
Petra Hermans (Voor een betere wereld)
“
Normally, I do not talk with your forced rape of penis.
”
”
Petra Hermans (Voor een betere wereld)
“
I pray that you may begin this brand new year with a smile on your face, a heart full of gratitude, love, hope, kindness and the highest form of humility. And a life journey full of positive desires and inspirations with a prayer that says surely God of all creation will direct and bless you always. HAPPY NEW YEAR 2023 everyone and remember that VICTORY is your portion
”
”
Euginia Herlihy
“
Torchlight Infinite Currency Generator 2023 Code Cheats No Survey No Verification
The most recent game in the Torchlight franchise is called Torchlight: Infinite, and it will be released on PC, iOS, and Android. On April 24th, 2022, this game, which is a prequel to Torchlight 2, will begin its most recent closed beta, bringing with it a ton of brand-new content for gamers to enjoy.
200 years after the events of Torchlight 2 in the Ember Tech era, gamers of Torchlight Infinite are transported there. Ember has been adopted by humanity as the main source of power for everything from technology to the occult. But wealth also brings opportunity, and the dark forces in charge have grabbed this chance to sow discord and corruption. As a result, a band of powerful fighters known as Torchlight has emerged as humanity's last hope to rid the planet of evil.
Heroes
The list of Heroes in Torchlight will be known to those who have participated in the last closed beta: Like Carino, a Divineshot who launches lethal projectiles at foes from a distance, and Rehan, a Berserker hero who causes terrible damage in melee combat, infinite
”
”
http://bit.ly/3x2kLks
“
A Flock of Geese"
She often wondered
about the inexplicable deep sorrow that she feels
every time she sees a flock of geese flying in the sky …
Do the flying geese remind her that she has wasted her life
stuck in the trivialities of daily life?
Or perhaps the flying birds remind her
that she’s lost her ability to fly?
She thinks at times in sadness
how she wasted the years of her life
like a naïve bride dreaming about the ideal groom...
A bride planning the minutest details of her wedding,
not realizing, until her wings were clipped,
that the wedding, the groom, and the bride
are roles and illusions created by society
to counter the dangers of all those who wish to fly;
those who dream about creating new worlds
instead of getting hanged or strangulated
in a world created on their behalf by others …
As she hears the honking of another passing flock of geese
flying over her head as did the most beautiful years of her life
the birds awaken in her that uncontrollable itch to depart
to refuse the illusion of settling and stability
The illusion of the wedding and the groom
The illusion of all the wedding invitees
Who spend an entire night dancing, cheering, and celebrating
the clipping of her wings…
[Original poem published in Arabic on December 14, 2023 at ahewar.org]”
― Louis Yako
”
”
Louis Yako
“
In late June 2023, the Sovereign Grant Report, an annual document that outlines the royal family’s expenditures, revealed that spending had risen by 5 percent from the previous year to £107.5 million (the second time in history it had broken the £100 million mark). Despite Charles campaigning on environmental issues, reports for 2022 and 2023 also revealed that he still regularly travels by helicopter between his numerous royal residences at an average cost of £15,000 per flight.
”
”
Omid Scobie (Endgame: Inside the Royal Family and the Monarchy's Fight for Survival: A Gripping Investigative Report with a Personal Touch, Witness the Turmoil of the British Monarchy)
“
Today I wish to remind you once again that your entire existence is too special, miraculous & purposeful to be living a life that holds no meaning for you.
Darling listen – you possess the strength & potential to achieve extraordinary things. God has instilled within you the power to fulfill your life mission & purpose. Giants may stand in your path, but you have the power to overcome them. Dreams that seem impossible right now will become within your reach. Believe me.
Sweetheart, your job is to keep doing your best everyday…& when you discover better, allowing it to guide your next steps.
Remember those moments when an inner voice whispers, “There. That’s it. That’s why you’re here”, igniting a warm glow within.. I am asking you to focus on doing these activities more & more..
Embrace the magnetic state & attract what is meant for you.. I wish & hope that the remaining days of the year will deliver your expected blessings in unexpected & unpredictable ways..
”
”
Rajesh Goyal
“
Dear …,
I’m writing as a Canadian woman and a member of one of the so-called “visible” or “ethnic” minorities to protest the exclusionary—racist and sexist—practices of Canadian publishers. Why racist? Because they discriminate against white writers. Why sexist? Because they discriminate against male writers.
I feel quite perturbed about Penguin Canada’s submission policy which solicits exclusively unagented LGBTQIA2S+ and BIPOC writers (as well as those from "traditionally underrepresented” communities). This is publishing madness that has gone too far in the name of diversity. If publishing exclusively white male writers (and that has never been the case) is a clearcut wrong, two wrongs do not make a right.
Oddly enough, only Penguin Canada has this bizarre exclusionary policy. Penguin Australia and Penguin New Zealand, in contrast, welcome submissions from writers of all backgrounds. Penguin UK Merky Books New Writers’ Prize aims to discover new UK voices and writers regardless of race, creed, or colour. Could this be the reason why Canada lags so far behind UK and arguably even Australia/NZ in reputation in the literary and publishing worlds?
You may say, oh, look at the history, white male writers have traditionally dominated the publishing field. But why should white male writers TODAY be discriminated against in order to address the inequities of the past? That's the crux of the problem created by Penguin Canada’s woke madness. So, let’s look at the books published recently. Are white males still dominating the field? The truth of the matter is, they don’t, with a whopping 73% of editors being female (Editor Demographics in the United States, 2023).
The quality of books isn’t decided by a writer’s colour or gender. It’s decided by the story and writers’ skills in presenting that story. As an avid lifelong reader of books in 3 languages (one of them English), I love books. At times I can’t even remember a writer’s name, far less their skin colour or sexual orientation, but I DO remember the story. Yet today’s exclusionary publishing policies at Penguin Canada imply that only people of colour have the chops to write about people of colour (ditto for any social subgroup you choose). This not only suffocates the world of fiction writing but, as a logical corollary, limits writing about 59-year-old, ethnically Chinese, twice-divorced soccer moms with 2 mortgages SOLELY to 59-year-old, ethnically Chinese, twice-divorced soccer moms with 2 mortgages.
For the record, I—and thousands of others, judging by mountains of internet posts—am interested in how men write about women, how white writers write about other races, how old men write about youth—and of course vice versa. I’m interested in how writers see the world regardless of their sexual orientation. Paying the piper to play only a single +ALPHABETSOUP tune, we get to hear only that single tune, reducing the depth of human experience to only what passes through that one artificially imposed filter.
One last example: Simon & Schuster (US) has books like us first novel contest to discover new local writers regardless of who they are. Only in Canada’s Orwellian publishing world some writers are more equal than others. Shame on my country.
Let the books speak for themselves!!
”
”
J.K. Rowling
“
Dear …,
I’m writing as a Canadian woman and a member of one of the so-called “visible” or “ethnic” minorities to protest the exclusionary—racist and sexist—practices of Canadian publishers. Why racist? Because they discriminate against white writers. Why sexist? Because they discriminate against male writers.
I feel quite perturbed about Penguin Canada’s submission policy which solicits exclusively unagented LGBTQIA2S+ and BIPOC writers (as well as those from "traditionally underrepresented” communities). This is publishing madness that has gone too far in the name of diversity. If publishing exclusively white male writers (and that has never been the case) is a clearcut wrong, two wrongs do not make a right.
Oddly enough, only Penguin Canada has this bizarre exclusionary policy. Penguin Australia and Penguin New Zealand, in contrast, welcome submissions from writers of all backgrounds. Penguin UK Merky Books New Writers’ Prize aims to discover new UK voices and writers regardless of race, creed, or colour. Could this be the reason why Canada lags so far behind UK and arguably even Australia/NZ in reputation in the literary and publishing worlds?
You may say, oh, look at the history, white male writers have traditionally dominated the publishing field. But why should white male writers TODAY be discriminated against in order to address the inequities of the past? That's the crux of the problem created by Penguin Canada’s woke madness. So, let’s look at the books published recently. Are white males still dominating the field? The truth of the matter is, they don’t, with a whopping 73% of editors being female (Editor Demographics in the United States, 2023).
The quality of books isn’t decided by a writer’s colour or gender. It’s decided by the story and writers’ skills in presenting that story. As an avid lifelong reader of books in 3 languages (one of them English), I love books. At times I can’t even remember a writer’s name, far less their skin colour or sexual orientation, but I DO remember the story. Yet today’s exclusionary publishing policies at Penguin Canada imply that only people of colour have the chops to write about people of colour (ditto for any social subgroup you choose). This not only suffocates the world of fiction writing but, as a logical corollary, limits writing about 59-year-old, ethnically Chinese, twice-divorced soccer moms with 2 mortgages SOLELY to 59-year-old, ethnically Chinese, twice-divorced soccer moms with 2 mortgages.
For the record, I—and thousands of others, judging by mountains of internet posts—am interested in how men write about women, how white writers write about other races, how old men write about youth—and of course vice versa. I’m interested in how writers see the world regardless of their sexual orientation. Paying the piper to play only a single +ALPHABETSOUP tune, we get to hear only that single tune, reducing the depth of human experience to only what passes through that one artificially imposed filter.
One last example: Simon & Schuster (US) has books like us first novel contest to discover new local writers regardless of who they are. Only in Canada’s Orwellian publishing world some writers are more equal than others. Shame on my country.
Let the books speak for themselves!!
”
”
Anonymous
“
See chapter 6 for a much more detailed discussion of the factors that cause human life expectancy to currently max out at 120. As I explain in that chapter, research over the past few decades has identified the specific biochemical processes that cause aging, and as of 2023 there is active research working toward addressing all of them. This doesn’t have to immediately totally cure aging to allow radical life extension—the tipping point will be when, every year, medicine adds at least one additional year to our life expectancy, allowing people to get ahead of the curve, so to speak, and achieve “longevity escape velocity.
”
”
Ray Kurzweil (The Singularity Is Nearer: When We Merge with AI)
“
I asked Zuckerberg what he planned to do about that. He said, "But we don't allow anyone under 13 to open an account." I told him that before our call I had created a fake account for a fictional 13-year-old girl and I encountered no attempt to verify my age claim. He said, "We're working on that." While writing this chapter (in August 2023), I effortlessly created another fake account. There is still no age verification, even though age verification techniques have gotten much better in the last four years nor is there any disincentive for preteens to lie about their age.
”
”
Jonathan Haidt
“
A June 2023 report from the Inspector General of the Department of Justice states that “threats posed by domestic extremists have not only increased over the past few years, but are also becoming more complicated due to the emergence of new violent ideologies, the impact of social media, and the response to recent political and social events.
”
”
Joe Moore (White Robes and Broken Badges: Infiltrating the KKK and Exposing the Evil Among Us)
“
Mrs. B’s story is well-known but worth telling again. She came to the United States 77 years ago, unable to speak English and devoid of formal schooling. In 1937, she founded the Nebraska Furniture Mart with $500. Last year the store had sales of $200 million, a larger amount by far than that recorded by any other home furnishings store in the United States. Our part in all of this began ten years ago when Mrs. B sold control of the business to Berkshire Hathaway, a deal we completed without obtaining audited financial statements, checking real estate records, or getting any warranties. In short, her word was good enough for us. Naturally, I was delighted to attend Mrs. B’s birthday party. After all, she’s promised to attend my 100th.
”
”
Warren Buffett (Berkshire Hathaway Letters to Shareholders, 2023)
“
He is also experienced. Though I don’t know Ralph’s age, I do know that, like many of our managers, he is over 65. At Berkshire, we look to performance, not to the calendar. Charlie and I, at 71 and 64 respectively, now keep George Foreman’s picture on our desks. You can make book that our scorn for a mandatory retirement age will grow stronger every year.
”
”
Warren Buffett (Berkshire Hathaway Letters to Shareholders, 2023)
“
Charlie and I believe our four criteria are essential if directors are to do their job — which, by law, is to faithfully represent owners. Yet these criteria are usually ignored. Instead, consultants and CEOs seeking board candidates will often say, “We’re looking for a woman,” or “a Hispanic,” or “someone from abroad,” or what have you. It sometimes sounds as if the mission is to stock Noah’s ark. Over the years I’ve been queried many times about potential directors and have yet to hear anyone ask, “Does he think like an intelligent owner?” The questions I instead
”
”
Warren Buffett (Berkshire Hathaway Letters to Shareholders, 2023)
“
Over-all, we probably would have retained better prospects for the next five years if profits had not risen so dramatically this year.
”
”
Warren Buffett (Berkshire Hathaway Letters to Shareholders, 2023)
“
Our three major acquisitions of recent years have all worked out exceptionally well—from both the financial and human standpoints. In all three cases, the founders were major sellers and received significant proceeds in cash—and, in all three cases, the same individuals, Jack Ringwalt, Gene Abegg and Vic Raab, have continued to run the businesses with undiminished energy and imagination which have resulted in further improvement of the fine records previously established.
”
”
Warren Buffett (Berkshire Hathaway Letters to Shareholders, 2023)
“
AUGUST 2, 2023 TWO YEARS, ELEVEN MONTHS, ELEVEN DAYS AFTER IMPACT… “Are you sure you saw it?” It
”
”
Kevin George (Mission: Survival (Comet Clement, #10))
“
hundred billion dollars being legally wagered on sports every year. “I think there’s a very high probability of more Pete Roses,” Vincent said in 2023, “and there’s going to be more corruption.
”
”
Keith O'Brien (Charlie Hustle: The Rise and Fall of Pete Rose, and the Last Glory Days of Baseball)
“
fact remains that only 32 percent of Protestant churchgoers read their Bible daily. Twelve percent of regular church attenders say they rarely, if ever, read the Bible.
”
”
Lance Colkmire (2023-2024 Full Evangelical Sunday School Lesson Commentary: Volume 4 of a Seven-Year-Series (Seven-Year Series))
“
By 2023 a Google Cloud A3 virtual machine could carry out roughly 26,000,000,000,000,000,000 operations per second.[17] One dollar now buys around 1.6 trillion times as much computing power as it did when the GPS was developed.[18] Problems that would take tens of thousands of years with 1959 technology now take only minutes on retail computing hardware.
”
”
Ray Kurzweil (The Singularity Is Nearer: When We Merge with AI)
“
They gouged out the eye of the family's father. The mother's breast was cut off. The little girl's foot was amputated, and the seven-year-old boy's fingers were cut off. While the family was bleeding to death, the terrorists set up a table in front of them and started eating.
”
”
Alon Pentzel (Testimonies Without Boundaries: Israel: October 7th 2023 (Multiple Languages))
“
I saw a girl about twelve years old who certainly was decapitated by the terrorists. They shot her in the head and then took it off her.
”
”
Alon Pentzel (Testimonies Without Boundaries: Israel: October 7th 2023 (Multiple Languages))
“
It is hard when you are twenty-four years of age, and your one ambition in life is to reduce your handicap at golf, to be forced to give time and attention to the problem of earning your living.
”
”
Agatha Christie (The Agatha Christie Collection: 41 Works (Revised Edition 2023 with improved Formatting))
“
Promises should never grow old.
”
”
Anthony T. Hincks
“
While the rich became richer, the taxation policy of the government, instead of correcting this trend, actively strengthened it. One of the first decisions of the first Modi government was to abolish the wealth tax that had been introduced in 1957. While the fiscal resources generated by this tax were never significant, the decision was more than a symbolic one.126 The wealth tax was replaced with an income tax increase of 2 percent for households that earned more than Rs 10 million (133,333 USD) annually.127 Few people pay income tax in India anyway: only 14.6 million people (2 percent of the population) did in 2019. As a result, the income-tax-to-GDP ratio remained below 11 percent. Not only has the Modi government not tried to introduce any reforms to change this, but it has instead increased indirect taxes (such as excise taxes), which are the most unfair as they affect everyone, irrespective of income. Taxes on alcohol and petroleum products are a case in point. As some state governments have also imposed their own taxes, this strategy means that India has one of the highest taxation rates on fuel in the world. The share of indirect taxes in the state’s fiscal resources has increased under the Modi government to reach 50 percent of the total taxes—compared to 39 percent under UPA I and 44 percent under UPA II.128 Modi’s taxation policy, a supply-side economics approach, is in keeping with the managerial rhetoric of promoting the spirit of enterprise that the prime minister, who readily presents himself as an efficiency-conscious “apolitical CEO,” relishes. One of the neoliberal measures the Modi government enacted in the name of economic rationality, right from his very first budget in 2015, was to lower the corporate tax.129 For existing companies it was reduced from 30 to 22 percent, and for manufacturing firms incorporated after October 1, 2019 that started operations before March 31, 2023, it was reduced from 25 to 15 percent—the biggest reduction in twenty-eight years. In addition to these tax reductions, the government withdrew the enhanced surcharge on long- and short-term capital gains for foreign portfolio investors as well as domestic portfolio investors.130
”
”
Christophe Jaffrelot (Modi's India: Hindu Nationalism and the Rise of Ethnic Democracy)
“
If we think of the New Year like a Santa Claus, his most useful gift for you is to give you a whole new thrill, a brand new shake-up to do what you couldn't do in previous years!
”
”
Mehmet Murat ildan
“
New Year, may our hearts open up to the salubrious world of harmony, and let our vision be enlightened to extract the best out of our differences.
”
”
Bhuwan Thapaliya
“
You don't need a fantastic New Year, you just need a happy New Year. Happy New Year!
”
”
Anthony T. Hincks
“
In order to see the future, you need to believe it. Happy New Year!
”
”
Anthony T. Hincks
“
Don't make next year, this year.
Happy New Year!
”
”
Anthony T. Hincks
“
You can't escape the old year without starting a new year. Happy New Year!
”
”
Anthony T. Hincks
“
If you don't believe in miracles, then you're not going to like 2023.
”
”
Anthony T. Hincks
“
2023, is the year that smiles turn happiness into a reality.
”
”
Anthony T. Hincks
“
Same Old, Game Old by Stewart Stafford
On the first day of the new year,
Chronos's roulette wheel rolls,
Seeing the thermometer do 60,
Scraping shadows off the fridge.
Teddy bear plays hide-and-seek,
With a giant, grey beast that barks,
And an elephant with a rainbow gut,
But some things should go AWOL
Dinner plate talismans bring cheer,
Windfall greens and Jupiter peas,
Coins tossed in an oracle's grotto,
Marching into the fog of life ahead.
© Stewart Stafford, 2023. All rights reserved.
”
”
Stewart Stafford
“
I spent New Years Day 2023 researching the numerous poor customer reviews at Frontier Airlines.
”
”
Steven Magee
“
An Aussie January by Stewart Stafford
Dead air in the fallen forest,
The black goat circled silently,
Three hillside crosses sombre,
January, warm as an Aussie winter.
Boy brandishing a thin, red worm,
Cheerful march on raspberry feet,
Turning left at the silver potatoes,
Leftovers from the gnome’s feast.
4 a.m. wind a rolling bandmaster,
Whipping a flagpole cord to a beat,
Tingling every wind chime around,
The hibernating squirrel missed it.
© Stewart Stafford, 2023. All rights reserved.
”
”
Stewart Stafford
“
There has never been a ‘New Year’ that has managed to become 'new' if the mistakes of the old years are repeated!
”
”
Mehmet Murat ildan
“
Thus says the Lord: Woe to the city, rebellious and polluted, to the tyrannical city!
”
”
Creative Communications (Reading God's Word 2023: Daily and Sunday Mass Readings for Church Year A)
“
2023 is a year to break new barriers, it's a year to ensure that our vision board is achieved and success is our priority! God speed on your 2023 journey!
”
”
Hopal Green
“
If an investor’s entry point into Berkshire stock is unusually high — at a price, say, approaching double book value, which Berkshire shares have occasionally reached — it may well be many years before the investor can realize a profit. In other words, a sound investment can morph into a rash speculation if it is bought at an elevated price. Berkshire is not exempt from this truth.
”
”
Warren Buffett (Berkshire Hathaway Letters to Shareholders, 2023)
“
Our aversion to leverage has dampened our returns over the years. But Charlie and I sleep well. Both of us believe it is insane to risk what you have and need in order to obtain what you don’t need. We held this view 50 years ago when we each ran an investment partnership, funded by a few friends and relatives who trusted us. We also hold it today after a million or so “partners” have joined us at Berkshire.
”
”
Warren Buffett (Berkshire Hathaway Letters to Shareholders, 2023)
“
After suffering the loss of a loved one, do nothing but keep your money safe and sound for at least one year. If you want to find the best financial advisor, look in the mirror—for no one will care about your money more than you do.
”
”
Suze Orman (The Ultimate Retirement Guide for 50+: Winning Strategies to Make Your Money Last a Lifetime (Revised & Updated for 2025))
“
Faith is always next year.
”
”
Anthony T. Hincks
“
What are we talking about in 2023? We are talking about our shared grief. We are talking about our collective gratitude. Cooper In the summer of 2023, Cooper Blessing is fifty-six years old, and when he gets down on one knee on the sidewalk in front of the Red Star Bar & Grill in Fells Point, he’s momentarily concerned that he’ll need help getting back up.
”
”
Elin Hilderbrand (The Sixth Wedding (28 Summers #1.5))
“
The biggest requirement of learning is to know your limits of the moment. Let me elaborate with an example. Alongside my mainstream works, I have wanted to create complete works in turkish and spanish for several years. And few years back, with my rather limited experiential understanding of both languages, I even took it upon myself to do so, but I got stuck on the very first page. Why? Because it is one thing to pen occasional gems in another language, and totally different to release an entire work in that language. I was ready at heart, but not at brain. So, instead of writing whole works in these languages, I simply made turkish and spanish a joyful addition to my mainstream work - however the original linguistic and cultural intention kept reflecting in the titles of works, such as Aşkanjali, The Gentalist, Gente Mente Adelante, Mucize Insan and so on. It was not until late 2023 that my brain finally caught up with my heart, and delivered the first complete original turkish and spanish Naskarean works to the world.
Know your strongholds, they'll take you far. Know your shortfalls, they'll take you farther. Strongholds help you enhance your predominant capacities, whereas shortfalls help you unfold new possibilities - they help you unfold new vistas of human endeavor.
”
”
Abhijit Naskar (Visvavatan: 100 Demilitarization Sonnets)
“
A one-year CD will typically charge an early withdrawal penalty of three months or so of interest. For a five-year CD, the penalty might be six to eight months interest. Every CD issuer has its own policy. Be sure you know the rules before you invest. A portfolio of CDs with different maturities can be a smart strategy to increase your overall yield, while reducing the chances you will need to make an early withdrawal. For instance you could invest equal amounts in five different CDs: one-year, two-year, three-year, four-year, and five-year. That way you have some money maturing every year. When the one-year CD matures, invest it in a new five-year. Your two-year CD now has just one more year to go, so it becomes your one-year CD. When it matures, invest that in a five-year CD too. Keep doing this and eventually you will have a portfolio of five-year CDs, with one maturing every year. That will pay you more interest than if you kept all of your money in a one-year CD that you had to reinvest annually. I think the CD ladder can be a terrific option for some of your cash, but if you are aiming for a two-year cash reserve, I would still keep at least six months of that in a simple savings account where
”
”
Suze Orman (The Ultimate Retirement Guide for 50+: Winning Strategies to Make Your Money Last a Lifetime (Revised & Updated for 2025))
“
Traditional 401(K) or 403(B) Account Typically offered by your employer, a 401(k) account allows you to invest a percentage of your wages for retirement. A 403(b) is the public sector’s equivalent to a 401(k). Investing through a 401(k) or 403(b) is one of the most advantageous ways to invest, since the government is giving you tax breaks. Your employer will sometimes match what you contribute, up to a certain percent. (FreE mONaY!) Remember from our Financial Game Plan that this is the trump card: if you have an employer match, take advantage of it. Maximum yearly contribution: $20,500, which means you can contribute any amount up to that limit. This does not include any employer match, so go crazy. (This and all other retirement account maximums are current for the 2022 tax year.) Individual Retirement Account (IRA) This is an individual retirement account, meaning it’s not tied to your employer. You have to open it up on your own, and it’s yours forever. Good news: you can have both a 401(k) and an IRA! Maximum yearly contribution: $6,000. You technically have fifteen and a half months to contribute that $6,000. The government lets you put money in your IRA during the twelve months of that year, plus the first months of the following year leading up to the tax filing deadline. A little confusing, but stay with me: if you want to contribute to your IRA in 2023, you will have from January to December 2023, plus January to April 15, 2024, to hit that $6,000 max. So, let’s say that you’re rounding out the year of contributions at $4,500. That means you have another three-ish months to get the full $6,000! More time, yay! If we’re already in the new year, and you want the money to specifically go to the previous year’s IRA, you simply need to specify that when you contribute. It’s usually as easy as checking a “previous year” box. Let’s talk about the most common retirement accounts. In addition to the differences above, 401(k) and IRA accounts come in two flavors: traditional and Roth. The main difference between these accounts is in how they’re taxed. In traditional accounts, you won’t pay any taxes on this money until you withdraw it at retirement. You get the tax benefits now. Roth accounts require tax payments now, so you don’t have to pay them later. You get the tax benefits later. In some cases, you can make both traditional and Roth contributions into the same account.
”
”
Tori Dunlap (Financial Feminist: Overcome the Patriarchy's Bullsh*t to Master Your Money and Build a Life You Love)
“
Cosmetic formulation is the process of creating and developing cosmetic products, such as skincare, haircare, colour cosmetics, and fragrances. This field involves the use of a wide range of raw materials, ingredients, and techniques to create products that are safe, effective, and appealing to consumers. The history of cosmetic formulation dates back thousands of years, with the use of plant extracts, oils,
”
”
K Sooriamurthy. (FOUNDATIONS IN COSMETIC FORMULATIONS 2023)
“
New Year Way Out by Stewart Stafford
Take off down the truculent highway
For a well-earned New Year escape
Tasty lunch at some time warp hotel
Seedy tree in an old folks dining room.
Destination reached in crimson twilight
Friends from back in the day greet us
Bags dragged in, up and put in corners
Then, downstairs for a seafood dinner.
Catch up on all the gossip and chat
Take a moonlight walk on the beach
Crabs roam the sand as sleep comes
Routine fractured in grinning dreams.
© Stewart Stafford, 2023. All rights reserved.
”
”
Stewart Stafford
“
it is clear that Republicans are 10 to 15 years behind the Democrats’ advanced strategies and tactics on how to win an election. That was the case in 2018, 2020, and 2022.
We saw it play out yet again in elections across select states in 2023. Despite the terrible economy, widespread cultural backlash to “woke” policies, a literal invasion of illegal migrants at our southern border, a disastrous and humiliating defeat and withdrawal of the U.S. military forces from Afghanistan, two massive foreign conflicts, runaway inflation, and the bottomless pit of national debt, Election Day 2023 was a wipeout for Republicans and a big win for Democrats.
”
”
Craig Huey (The Great Deception: 10 Shocking Dangers and the Blueprint for Rescuing The American Dream)
“
Love's a garden,
that blooms the year long,
a Florida sunset -
the cardinal's song.
"Love is -" 2023
”
”
Richard Alfred Marschall (Cries in the Wilderness: Volume One)
“
Has we close the chapter on yet another year, let this be a reminder to us all that life is what we make it. Love and show appreciation to the people around us. Live life to the fullest and always remember to thank God in all things. Good bye 2023, welcome 2024!
”
”
Hopal Green
“
I’m twenty-three years old and have been out in society for five Seasons, both winter and summer. It would be next to impossible to convince anyone I’m anything other than peculiar." To Spark A Match by Jen Turano 2023
”
”
Jen Turano (To Spark a Match (The Matchmakers, #2))
“
...a lack of affordable housing in rural Scotland is perhaps the biggest issue threatening the viability of communities today. This situation is not new but since house prices really took off some 20 years ago, there is asense that the issue has now become existential. Lack of employment is often similarly highlighted as a major issue, but thanks to the social security system most people can manage, to some degree at least, a period of being unemployed or under employed. In contrast, without adequate and secure accommodation people very quickly have to leave their home communities in search of housing, more often than not in distant towns and cities - even if, as is often the dase, they have a job offer locally.
”
”
Jamie McIntyre (Reforesting Scotland 67, Spring/Summer 2023)
“
Suburbia Knocks by Stewart Stafford
Covert dawn's surreptitious light,
A magpie sentry's warning song,
Swooping, scanning silent streets,
Cackling danger all night long.
Metallic cross of crucified clothes,
A choir of colours in the breeze,
Waterboarded by lashing rain,
Made them suffer incrementally.
One knock for no, two knocks for yes,
One and a half for uncertainty,
Three knocks for drinks and company,
The rite of suburban courtesy.
37 years ago, down at number 37,
Came the first and last royal visit,
Dizzying anticipation from first light,
Fading fairytale in a curtsying gibbet.
© Stewart Stafford, 2023. All rights reserved.
”
”
Stewart Stafford
“
An Eleventh Pretender by Stewart Stafford
Pardon me, thou art king
Of paling November’s hedgerow,
Demanding fealty from December,
That crowns the year, and justly so.
I hear thy shrill trumpets blow,
They shake my windows so.
None shun the stepping stone.
To Christmas feasting’s glow.
Thou host saints and souls indeed,
Commemorate foiled plots.
Martinmas turns harvest to winter,
And mirth at Guildhall spots.
Thou art an impostor yet
in the Western world, or here.
Blow hence, ninth month of Rome,
Paucity’s envy of double-digit's year.
© Stewart Stafford, 2023. All rights reserved.
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Stewart Stafford
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Sound of Freedom
When I read the plot of Sound of Freedom, I was wondering what’s so new or special about the film that it has reviewed by many as best Hollywood film of 2023. This year has been a highly competitive year when it comes to sequels of some great successes in Hollywood, and I was surprised how this film based on child trafficking has managed to top score charts.
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aliza waleed
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Sound of Freedom
When I read the plot of Sound of Freedom, I was wondering what’s so new or special about the film that it has reviewed by many as best Hollywood film of 2023. This year has been a highly competitive year when it comes to sequels of some great successes in Hollywood, and I was surprised how this film based on child trafficking has managed to top score charts.
After freeing the boy, the federal agent discovers that the child’s sister continues to be in possession of the people who trafficked children and then embarks on a risky mission to liberate her. This appears to be a fairly standard setup for a story of this kind. When he realised that she was going to die soon, he quit his job and went far into the Colombian jungle, putting everything on the line in an attempt to save her life. I was sure I have seen many similar plots before, but after watching the film, I must say it exceeded the expectations and conveyed some messages that world needs to be remined off again and again. Here are the few reasons why it’s a must watch.
Visit my website: Filmworld.online
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aliza waleed
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On my first night back in the desert I dreamed that in the future, scientists carbon dated my memories and determined the last six years of my life never existed. It was glorious. A total lie, but glorious.
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Lis Anna-Langston (Wild Asses of the Mojave Desert)