... “The first step to recovering is admitting you have a problem,” is a cliché we hear all the time. But do you see overspending on constant shopping trips as a crucial life issue that’s nearly as harmful as drugs or alcohol? It can be! Spending your disposable income on unnecessary items (especially when they’re charged to your credit card) is a surefire way to an unsuccessful and unhappy future. Below are the first three steps you can take to curing your illness. Step 1 – Remove Yourself From ALL Mailing Lists It’s hard, but it’s the easiest way to avoid succumbing to the temptations of spending money on something you wouldn’t have otherwise if you weren’t victim to that specific e-mail. If you REALLY want to get exclusive information on a sale or get your hands on a coupon code, a simple Google Search will do the trick. Removing yourself from every mailing list you’ve subscribed to is your first step towards curing your spending habits! Step 2 – Ditch the Plastic. Adopt the Paper! This one is pretty simple. All you have to do is take your Credit and Debit Cards out of your wallet. People essentially spend less when they’re using cash because they can see for themselves how quickly it can decrease as opposed to when you’re using plastic, you just swipe and go. Ever change your mind about purchasing something because you don’t want to break your $20? Then you get the point! If you think it’s absolutely necessary to have a Credit Card on you (for the ease of use), use a...
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...aired from Los Angeles, California, October 27, 1964 Thank you. Thank you very much. Thank you and good evening. The sponsor has been identified, but unlike most television programs, the performer hasn’t been provided with a script. As a matter of fact, I have been permitted to choose my own words and discuss my own ideas regarding the choice that we face in the next few weeks. I have spent most of my life as a Democrat. I recently have seen fit to follow another course. I believe that the issues confronting us cross party lines. Now, one side in this campaign has been telling us that the issues of this election are the maintenance of peace and prosperity. The line has been used, “We’ve never had it so good.” But I have an uncomfortable feeling that this prosperity isn’t something on which we can base our hopes for the future. No nation in history has ever survived a tax burden that reached a third of its national income. Today, 37 cents out of every dollar earned in this country is the tax collector’s share, and yet our government continues to spend 17 million dollars a day more than the government takes in. We haven’t balanced our budget 28 out of the last 34 years. We’ve raised our debt limit three times in the last twelve months, and now our national debt is one and a half times bigger than all the combined debts of all the nations of the world. We have 15 billion dollars in gold in our treasury; we don’t own an ounce. Foreign dollar claims are 27.3 billion dollars. And...
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...firm was facing follows poor sales or strong competition, leading to a need to cut costs and fast. Reducing the staff from 23 down to 15 was a Head Office requirement, which brought with it some personal dilemmas. While the situation was nothing unusual, it meant that Fred was forced to make strategic decisions on who went and who stayed, so that his own job would survive a recent downturn. Some organisation changes are driven by large scale transformations, some by a need to meet new market challenges or to save human resources cost, as organisational leaders look to stretch the funding dollar further. Organisational Development is now a term in Human Resources, where strategic human resources for a business are analysed carefully as part of strategic planning. Fred Higgins dilemma is one that can keep some managers awake at night, as they try to decide who should stay and who should go. The weight of the restructuring decision rests heavy on their conscience, if they like the people they work with. It seems that Sol Manning, Fred’s general manager, was delegating the difficult task in a non-emotional way. He showed little empathy with the position he put Fred in - rather communicated that he expected him to make the decisions on whom to lay off as soon as possible. The fact that he didn’t ask after Fred’s recent holiday showed he was disengaged from the dilemma and was delegating it to Fred to sort. Fred felt the corporate responsibility of community expectations and...
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...ANNALS OF BUSINESS CREATION MYTH Xerox PARC, Apple, and the truth about innovation. by Malcolm Gladwell MAY 16, 2011 Print More Share Close Reddit Linked In Email The mouse was conceived by the computer scientist Douglas Engelbart, developed by Xerox PARC, and made marketable by Apple. I n late 1979, a twenty-four-year-old entrepreneur paid a visit to a research center in Silicon Valley called Xerox PARC. He was the co-founder of a small computer startup down the road, in Cupertino. His name was Steve Jobs. Xerox PARC was the innovation arm of the Xerox Corporation. It was, and remains, on Coyote Hill Road, in Palo Alto, nestled in the foothills on the edge of town, in a long, low concrete building, with enormous terraces looking out over the jewels of Silicon Valley. To the northwest was Stanford University’s Hoover Tower. To the north was Hewlett-Packard’s sprawling campus. www.newyorker.com/reporting/2011/05/16/110516fa_fact_gladwell?printable=true¤tPage=all 1/12 10/29/13 Xerox PARC, Apple, and the Creation of the Mouse : The New Yorker All around were scores of the other chip designers, software firms, venture capitalists, and hardware-makers. A visitor to PARC, taking in that view, could easily imagine that it was the computer world’s castle, lording over the valley below—and, at the time, this wasn’t far from the truth. In 1970, Xerox had assembled the world’s greatest computer engineers and programmers, and for the next ten years they...
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...Vagle University of Maryland University College Introduction I recently read the following quote posted by an anonymous person on Facebook: “I had ADHD when I was a kid too, but when I saw my father taking off his belt, I was healed”. I share that not just because it is true in my case, but because it is a fairly humorous and spot on example of a deterrent. Deterrence is a critical element of the effort to prevent a particular behavior. People have to have a reason not to act that way. When I was a kid, I didn’t know what a deterrent was, but I sure knew that the possibility of a whipping was reason enough not to lose my mind. What deters people working in the business and financial worlds from committing fraud? The Sarbanes-Oxley Act of 2002 perhaps? Fear of prosecution? One would hope so, but it is certain that the answer is more complex than that. In fact, it could be argued that the answer is nothing deters people from committing fraud because fraud is still happening. Therein, lies the aim of this paper. This paper will take a look at financial fraud and the deterrents in place since 2002, and offer the opinion that the deterrents are not working. A history of the issues as they relate to this opinion will be given. Further, recommended solutions to the perceived problems will be put forth. It is worthy of mention that deterrence and prevention are treated as synonymous from this point forward. No effort will be made to distinguish a difference...
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...FROM THE AUTHOR OF STANSBERRY'S INVESTMENT ADVISORY PORTER STANSBERRY THE SURVIVAL BLUEPRINT Published by Stansberry Research Edited by Steven Longenecker and Fawn Gwynallen Copyright 2014 by Stansberry Research. All rights reserved. No part of this book may be reproduced, scanned, or distributed in any printed or electronic form without permission. About Stansberry Research Founded in 1999 and based out of Baltimore, Maryland, Stansberry Research is the largest independent source of financial insight in the world. It delivers unbiased investment advice to self-directed investors seeking an edge in a wide variety of sectors and market conditions. Stansberry Research has nearly two dozen analysts and researchers – including former hedge-fund managers and buy-side financial experts. They produce a steady stream of timely research on value investing, income generation, resources, biotech, financials, short-selling, macroeconomic analysis, options trading, and more. The company’s unrelenting and uncompromised insight has made it one of the most respected and sought-after research organizations in the financial sector. It has nearly one million readers and more than 500,000 paid subscribers in over 100 countries. About the Author Porter Stansberry founded Stansberry Research in 1999 with the firm’s flagship newsletter, Stansberry’s Investment Advisory. He is also the host of Stansberry Radio, a weekly podcast that is one of the most popular online...
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...hairdresser in search of more subtle and lasting hair color for his clientele, was at work in the Health and Beauty Aids aisles of K-Marts, Wal-Marts, drugstores, and grocery stores throughout the United States as L’Oréal sought to bring “class to mass” in the skincare market. C PA RI S From his office overlooking Fifth Avenue in New York City, Joseph Campinell, President of L’Oréal’s U.S. Retail Division explained L’Oréal’s strategy for the mass market: “We sell product in the department store and specialty store channels. The research and development we do in support of those brands like Lancôme and Biotherm can be leveraged into mass market outlets as well. We call this ‘trickle down and fire up.’ We trickle the technology down to the mass markets where the high volumes are and that fires up our next generation of products by funding the research and development. In the retail division we do what the company always does: drive sales with product technology. But, since the drugstores, mass merchants and grocery stores we sell through are “selfservice” types of outlets, we have to support that technology with strong advertising, merchandising and promotions. We have been very successful with this in hair colorings. Our Preference by L’Oréal brand, with the famous advertising tag-line “Because I’m worth it,” has become the market leader. I’m sure we will get there with the Plénitude skincare line as well, though we clearly have some things to work out...
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...Sam Walton Made in America My Story by Sam Walton with John Huey BANTAM BOOKS NEW YORK• TORONTO• LONDON• SYDNEY• AUCKLAND This edition contains the complete text of the original hardcover edition. NOT ONE WORD HAS BEEN OMITTED. SAM WALTON: MADE IN AMERICA A Bantam Book/published by arrangement with Doubleday PUBLISHING HISTORY Doubleday edition published June 1992 Bantam edition/June 1993 Photographs without credits appear courtesy of the Walton family. All rights reserved. Copyright© 1992 by the Estate of Samuel Moore Walton. Cover photo copyright© 1989 by Louis Psihoyos/Matrix. Cover design by Emily & Maura Design. Library of Congress Catalog Card Number: 92-18874. ISBN 0-553-56283-5 Published simultaneously in the United States and Canada Bantam Books are published by Bantam Books, a division of Bantam Doubleday Dell Publishing Group, Inc. Its trademark, consisting of the words "Bantam Books" and the portrayal of a rooster, is Registered in U.S. Patent and Trademark Office and in other countries. Marca Registrada. Bantam Books, 1540 Broadway, New York, New York 10036. PRINTED IN THE UNITED STATES OF AMERICA OPM 31 30 29 28 27 26 25 24 23 Contents Acknowledgments 4 Foreword 5 1 Learning to Value a Dollar 9 2 Starting on a Dime 14 3 Bouncing Back 25 4 Swimming Upstream 33 5 Raising a Family 44 6 Recruiting the Team 50 7 Taking the Company Public 58 8 Rolling Out the Formula 68 9 Building the Partnership 77 10 Stepping...
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...legal, regulatory or practical provisions defining the scope of the power and responsibilities of those responsible for directing the company sustainably. Directing the company means taking and controlling the decisions that have a decisive effect on its soundness and sustainable performance. 3 types of shareholders: speculative, sleeping, active 2. The history of share ownership in continental Europe From 1850 to 1930 : 1/ Company : private sphere * Private property * Family shareholders * Middle age vocabulary 2/ Governance mode: Paternalism * Statistically and ideologically dominant * Scté en commandite par action * Authority legitimacy : Traditional society From 1930 to 1970 1/ Paternalism legitimacy erodes … * 4 constraints: * Demographic * Organisational * Financial * Political 2/ Governance of “experts” * The emergence of technocracy * Marginalization of shareholders * Anonymity * Technocracy self evaluation Since 1970 1/ Mutations and revolutions in the USA a- The increase of the need for financing * Diversification of pension funds * Huge increase pf the capital markets: the capitalization of NY increases from 600 to 17000 billions dollars between 70 and 2000 b- The huge increase of the number of shareholders * Mass saving world wide phenomenon: * about 80 milion direct s c- The implication of Financial institutional intermediaries * Big...
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...STRAUSS The Long Hard Road Out of Hell WITH MARILYN MANSON The Dirt WITH MOTLEY CRUE How to Make Love Like a Porn Star WITH JENNA JAMESON Don't Try This at Home WITH DAVE NAVARRO THE GAME PENETRATING THE SECRET SOCIETY OF PICKUP ARTISTS Neil Strauss Regan Books An Imprint of Harper Collins Publishers Cover silhouettes are from the following fonts :Darrian's Sexy Silhouettes by © Darrian (http://westwood.fortunecity.com/cerruti/445/), Subeve by © Sub Communications (http://www.subtitude.com),NorpIcons 1 and Norp Icons 2 by © DJ Monkeyboy (http://www.djmonkeyboy.com). "The Randall Knife": Words and Music by Guy Clark © 1983 EMI APRIL MUSIC INC. and GSC MUSIC. All Rights Controlled and Administered by EMI APRIL MUSIC INC. All Rights Reserved. International Copyright Secured. Used by Permission. In order to protect the identity of some women and members of the community, the names and identifying characteristics of a small number of incidental characters in this book have been changed, and three minor characters are composites. THE GAME COPYRIGHT © 200 5 BY N E I L STRAUSS. All rights reserved. Printed in the United States of America. No part of this book may be used or reproduced in any manner whatsoever without written permission except in the case of brief quotations embodied in critical articles and reviews. For information, address HarperCollins Publishers Inc., 10 East 53rd Street, New York, NY 10022. HarperCollins books...
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...provide lively, motivating language skills lessons to introduce different games to stimulate conversation at a Lower Intermediate level. ™ Active 8 by Mark Fletcher Illustrated by Mark Fletcher Copyright © English Experience Telephone/Fax: (44) 1303 238880 E-Mail: brainfriendlypubs@dial.pipex.com Website: www.brainfriendly.co.uk ISBN 1 898295 02 6 PRINTED BY HYTHE PRINTERS LTD., HYTHE , KENT Conditions of sale permit the photocopying / printing of these masters for student use. It is not permitted to subsequently use copies to generate further copies for resale. ACTIVE 8 CONTENTS 1a-b Find someone who....... Class and individuals. A market research activity. Very flexible. Practices different tenses and SHORT FORM ANSWERS. 2 a - b - c Desert Island Small groups. Explorer groups making a map. Information exchange. Practices “DO YOU KNOW WHERE..?” and REQUESTS. 3a-b Birthday presents Individuals or small groups. Looking for the best buys in 4 shops. Practices COMPARATIVES AND SUPERLATIVES. 4a-b 10 o’clock News Small groups (up to 7).Groups prepare news stories. Practices REPORTING AND INTERVIEWING. 5a-b Film Festival Class vocabulary preparation followed by pair work. Creating a hit movie. Practices PRESENTATIONS, PERSUASION, COMMENT. 6a-b Fun with pronunciation Class and individuals. Cartoon pictures containing pronunciation points. Practices...
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...Additional Praise for Ramit Sethi and I Will Teach You to Be Rich “Ramit Sethi is a rising star in the world of personal finance writing. . . one singularly attuned to the sensibilities of his generation. . . . His style is part frat boy and part Silicon Valley geek, with a little bit of San Francisco hipster thrown in.” —SAN FRANCISCO CHRONICLE “The easiest way to get rich is to inherit. This is the second best way—knowledge and some discipline. If you’re bold enough to do the right thing, Ramit will show you how. Highly recommended.” —SETH GODIN, AUTHOR OF TRIBES “You’ve probably never bought a book on personal finance, but this one could be the best $13.95 you ever spent. It’ll pay for itself by the end of Chapter 1 (check out the box on page 24 to see what I mean).” —PENELOPE TRUNK, AUTHOR OF BRAZEN CAREERIST: THE NEW RULES FOR SUCCESS “Most students never learn the basics of money management and get caught up in the white noise and hype generated by the personal-finance media. Ramit’s like the guy you wish you knew in college who would sit down with you over a beer and fill you in on what you really need to know about money—no sales pitch, just good advice.” —CHRISTOPHER STEVENSON, CREDIT UNION EXECUTIVES SOCIETY “Smart, bold, and practical. I Will Teach You to Be Rich is packed with tips that...
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...In Cold Blood Truman Capote I. The Last to See Them Alive The village of Holcomb stands on the high wheat plains of western Kansas, a lonesome area that other Kansans call "out there." Some seventy miles east of the Colorado border, the countryside, with its hard blue skies and desert-clear air, has an atmosphere that is rather more Far West than Middle West. The local accent is barbed with a prairie twang, a ranch-hand nasalness, and the men, many of them, wear narrow frontier trousers, Stetsons, and high-heeled boots with pointed toes. The land is flat, and the views are awesomely extensive; horses, herds of cattle, a white cluster of grain elevators rising as gracefully as Greek temples are visible long before a traveler reaches them. Holcomb, too, can be seen from great distances. Not that there's much to see simply an aimless congregation of buildings divided in the center by the main-line tracks of the Santa Fe Rail-road, a haphazard hamlet bounded on the south by a brown stretch of the Arkansas (pronounced "Ar-kan-sas") River, on the north by a highway, Route 50, and on the east and west by prairie lands and wheat fields. After rain, or when snowfalls thaw, the streets, unnamed, unshaded, unpaved, turn from the thickest dust into the direst mud. At one end of the town stands a stark old stucco structure, the roof of which supports an electric sign - dance - but the dancing has ceased and the advertisement has been dark for several years. Nearby is another building...
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...[pic] MONEY Income – доход Earned income – заработок Unearned income – рента, нетрудовые доходы Private income – частные доходы To live on one’s income – жить на свои средства To live within/ up to one’s income – жить по средствам Exceed/ live beyond one’s income - жить по средствам Income tax – подоходный налог Salary – оклад, зарплата To gross (coll) – we grossed 1,000$ - мы получили общую прибыль в … Payment – оплата, платеж, уплата Overtime payment – плата за сверхурочную работу He made a cash payment of 50$ - он уплатил наличными 50$ Pay – плата, зарплата, жалование; платить A pay cut – снижение зарплаты A pay increase – повышение зарплаты On half pay – на полставки They are paid by the hour - они получают почасовую оплату He paid his way through college – он сам зарабатывал себе на обучение To pay off one’s debts – рассчитываться с долгами Pay-day – день зарплаты Bonus – премия, премиальные A bonus job – работа с премиальным вознаграждением Royalties – авторский гонорар, отчисления автору пьесы Wages – заработная плата He gets good wages - он хорошо зарабатывает A living wages – прожиточный минимум Tips – деньги на «чай» Commission – комиссионные Basic earnings – основной доход, заработок Extras – дополнительный доход College grant - стипендия Scholarship - стипендия Child benefit – детское пособие Maternity benefit – пособие по беременности и родам Pension - пенсия Dole money...
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