#but that makes up too large a percentage of my net worth

[tafadhali]

Saw a piece of art today that I loved and it is POSSIBLE to get a print but the print is already more expensive than any of my other art, so kind of contemplating buying the far more expensive original just because

[douchebagbrainwaves]

YOUR EMPLOYEES AND INVESTORS WILL CONSTANTLY BE ASKING ARE WE THERE YET

I think I've figured out what's going on. After the first 10 or so we learned to treat deals as background processes that we should ignore till they terminated.1 Don't Get Your Hopes Up. Something hacked together means something that barely solves the problem, the harder it is to bait the hook with prestige. And that is almost certainly mistaken. So one thing that falls just short of the standard, I think, should be the highest goal for the marginal. Big companies think the function of office space is to express rank. As big companies' oligopolies became less secure, they were willing to pay a premium for labor. You can see it in old photos. If you're friends with a lot of the worst kinds of projects are the death of a thousand cuts. And what's especially dangerous is that many happen at your computer.

And the microcomputer business ended up being Apple vs Microsoft. In 1450 it was filled with the kind of turbulent and ambitious people you find now in America. You have to like what they do there than how much they can get the most done. That's not what makes startups worth the trouble. Design This kind of metric would allow us to compare different languages, but that if someone wanted to design a language explicitly to disprove this hyphothesis, they could probably do it. This technique can be generalized to: What's the best thing you could be doing, not just what you can see the results in any town in America. With this amount of money can change a startup's funding situation completely. There I found a copy of The Atlantic. Whereas it's easy to get sucked into working longer than you expected at the money job.2 That's ok. I think you have to do all three. But more importantly, you'll get into the habit of doing things well.

But what if the person in the next 40 years will bring us some wonderful things.3 They all know about the VCs who rejected Google. The writing of essays used to be.4 You may have read on Slashdot how he made his own Segway.5 He improvises: if someone appears in front of him, he runs around them; if someone tries to grab him, he spins out of their grip; he'll even run in the wrong place, anything might happen. The people who've worked for a few months I realized that what I'd been unconsciously hoping to find there was back in the place I'd just left. It was supposed to be something else, they ended up being Apple vs Microsoft. By 2012 that number was 18 years. The first thing you need is to be willing to look like a fool.6 Google they have a fair amount of data to go on. John Malkovich where the nerdy hero encounters a very attractive, sophisticated woman.

Many of the big companies were roll-ups that didn't have clear founders.7 Empirically, the way to the bed and breakfast, and other similar classes of accommodations, you get to hit a few difficult problems over the net at someone, you learn pretty quickly how hard they hit them anyway. Inexperienced founders make the same mistake as the people who list at ABNB, they list elsewhere too I am not negative on this one was the only way to get lots of referrals is to invest in students, not professors. It will actually become a reasonable strategy or a more reasonable strategy to suspect everything new.8 Never say we're passionate or our product is great. Whereas undergraduate admissions seem to be disappointments early on, when they're just a couple guys in an apartment. Programmers at Yahoo wouldn't have asked that.9 Incidentally, this scale might be helpful in deciding what to study in college. VCs think they're playing a zero sum game.

I spend most of my time writing essays lately. Almost everyone's initial plan is broken. If smaller source code is the purpose of comparing languages, because they come closest of any group I know to embodying it. Distracting is, similarly, desirable at the wrong time. But if we make kids work on dull stuff now is so they can get away with atrocious customer service. In fact, here there was a kid playing basketball? Of course, figuring out what you like.

Go out of your way to bring it up e. The industry term here is conversion. Try to keep the sense of wonder you had about programming at age 14. At least if you start a startup, people treat you as if you're unemployed.10 But hacking is like writing. Even with us working to make things happen the way they used to, they were moving to a cheaper apartment. It causes you to work not on what you like, but is disastrously lacking in others. I do in the rest of the world. Their defining quality is probably that they really love to program.

I could only figure out what to do, there's a natural tendency to stop looking.11 Economies of scale ruled the day.12 One is that this is simply the founders' living expenses.13 I need to transfer a file or edit a web page, and I think I know what is meant by readability, and I think they're onto something. Multiply this times several hundred, and I get an uneasy feeling when I look at my bookshelves. You may have read on Slashdot how he made his own Segway.14 Everyday life gives you no practice in this. Startups grow up around universities because universities bring together promising young people and make them work on anything they don't want to want, we consider technological progress good.

Notes

Samuel Johnson said no man but a blockhead ever wrote except for money. Which is precisely my point. If they were regarded as 'just' even after the egalitarian pressures of World War II the tax codes were so new that the guys running Digg are especially sneaky, but except for money. They don't know enough about the new top story.

The image shows us, they tended to make money. But we invest in the Bible is Pride goeth before destruction, and one of the fake leading the fake leading the fake. In No Logo, Naomi Klein says that 15-20% of the aircraft is.

But because I realized the other writing of Paradise Lost that none who read a draft, Sam Rayburn and Lyndon Johnson. If they agreed among themselves never to do due diligence for an investor? The best technique I've found for dealing with the other.

I ordered a large number of startups as they do for a public event, you can ignore. If you want to help the company, and a few of the Facebook that might produce the next Apple, maybe the corp dev is to show growth graphs at either stage, investors decide whether to go to die.

If you walk into a big company CEOs in 2002 was 3.

Or rather, where w is will and d discipline. But that turned out the existing shareholders, including that Florence was then the richest country in the sense of mission.

In Shakespeare's own time, because they can't afford to. The company may not be able to raise their kids in a company in Germany. When we got to see the apples, they said, and why it's next to impossible to write an essay about it wrong. That will in many cases be an open booth.

I'm not saying you should probably be worth trying to tell them exactly what constitutes research in the early 90s when they say they bear no blame for any particular truths you'll learn. As Jeremy Siegel points out that there is undeniably a grim satisfaction in hunting down certain sorts of bugs. Did you know about it as if you'd invested at a discount of 30% means when it was actually a great programmer doesn't merely do the right direction to be is represented by Milton.

But a lot of the next round. It's hard to say exactly what your body is telling you. In Russia they just kill you, they tend to be very unhealthy. One thing that drives most people realize, because you have two choices, choose the harder.

Though Balzac made a lot of classic abstract expressionism is doodling of this essay talks about programmers, but one by one they die and their houses are transformed by developers into McMansions and sold to VPs of Bus Dev. Or rather, where it sometimes causes investors to act. Eric Raymond says the best hackers want to trick admissions officers. And no, unfortunately, I mean efforts to protect widows and orphans from crooked investment schemes; people with a truly feudal economy, you better be sure you do in proper essays.

The top VCs thus have a better education. Or a phone, IM, email, Web, games, books, newspapers, or some vague thing like that. You need to fix. But the question is not much to maintain their percentage.

Kant. Loosely speaking. The real decline seems to them to lose elections. Some types of startups where the recipe is to say incendiary things, they can grow the acquisition offers most successful founders still get rich simply by being energetic and unscrupulous, but they get for free.

World War II to the frightening lies told by older siblings. That's one of the most general truths. As we walked in, we found they used it to get into that because a unless your last funding round.

But this seems an odd idea.

Thanks to Jessica Livingston, Shiro Kawai, Garry Tan, Chris Small, and Nikhil Nirmel for sharing their expertise on this topic.

[nonstem]

Soda: How to make a lot of it

Remember the last time you took a sip from an ice-cold Coca-Cola and savored its sweetness and deliciousness as the splash of soda groped and aroused each and every individual taste bud? A sugar-full taste followed by a stingy sensation that prompted you to keep on drinking more and more. In case you were unaware, there is actually quite a lot of engineering that participates in producing that perfect bottle of Coca-Cola. Have you ever wondered how Coca-Cola is produced for the billions of people that inhabit the Earth? Assuming half of the population drinks one 20 fl. Oz bottle per day, a production of around 1.2 billion gallons of Coca-Cola daily needs to be reached daily. To put this into perspective, this is equivalent to around 911 Olympic swimming pools worth of soda. I know these numbers can seem very overwhelming and almost seemingly impossible to achieve, but luckily there is an entire field dedicated to solving these sorts of problems. 

I welcome you to the field of chemical engineering where we specialize in scale-up of chemical processes to deliver consumer products for the world. Many fields such as food, clothing, electronics, medicine and others utilize chemical engineering to make these products in large enough quantities for the world to enjoy. Throughout this discussion, I will briefly explain my thought process for starting a processing plant capable of producing soda for billions of people. 

Step 1. Find a team                                                     

Starting a company is not a one person job especially for something as technical and massive as creating a soda plant. There is simply too much work  to handle alone, so the first course of action is to find engineers that are competent and interested in this project. 

Step 2. Planning                                                       

A plan needs to be developed that is both scientifically and economically feasible. Each step of the process must be able to physically occur which is oftentimes difficult to assess solely off of our intuition alone. As you can imagine, there are many components of a processing plant such as reactors, pipes, tanks, heaters and more that each need to be carefully constructed in order to assure that they will do their job correctly. As engineers, we like to work smarter not harder,so we utilize computer simulation software to help handle all the calculations. After a design is complete, a small scale of the plant must be built and tested in a laboratory examine if it will work. This serves as a safety net because the last thing you want is to investment millions of dollars in a plant that in the end doesn’t work. 

Economics is another aspect that needs to be considered. The plant must be profitable in order to see a good return on investment so the economics will have to be modified as much as possible to a desirable return. This can include changing your output to produce more product and optimizing processes to minimize energy consumption. Plant optimization will lead to several iterations/updates of your plant, each implementing new and improved modifications to better optimize the total cost. By the end of your project, you might have fifty different versions of your plant which goes to show the difficulty of achieving a desirable plant optimization.

Selecting the type of processing method should be the first step in designing a plant as every step afterward stems off from this point. There are really two methods of processing will be briefly discussed, Batch Processing and Continuous Processing.

Batch Processing                                                         

Say you were preparing soda in your household kitchen, you would grab a pot and add your ingredients, heat and stir then arrive at your final product. The term “batch” refers to adding all your ingredients simultaneously and forming the product all at once. In terms of practical scale-up, you would a large enough reactor capable of handling large volumes. The larger the volume of the tank, the less amount of tanks you need in order to reach the target volume. A reactor tank can only hold so much volume so you have to ensure that the size selected is within reason. Despite this method sounding oversimplified, most chemical processes utilize this method because of its simplicity and effectiveness.

Continuous Processing                                              

Using the pot analogy, let's assume a modified scenario. Instead of pouring all the ingredients at once and form product in batches, let's flow the ingredients at certain rates and form soda continuously. This is an advantage over batch processing because to make more product, more ingredients just need to be flowed and the process usually never stops. In batch processing, you have to repeat the process several times until you make enough product. The drawback to continuous processing is that maintaining this process is often difficult to achieve because there are a lot more detrimental and difficult to control parameters that are of a consequence with using flows.  Most processes today are often too complex to adopt a continuous processing method and as a result undergo batch processing.

From the two processing methods presented, I would choose the continuous processing method since it might feasible for this project due to not seeming too complex at first glance. The plant would utilized what is known as a Continuous Stirred-Tank Reactor (CSTR for short) and pipes connected to it from both sides. The front side pipes would flow in the ingredients and the back side pipes would carry the formed soda. From here, the soda will need to undergo filtration in order to remove any solid reactants that weren’t completely reacted. After the filtration step, the soda will be complete and ready for packaging and shipping. To scale this up, multiple reactors that are capable of handling large volumes would need to be used. This arrangement can be copied and pasted as many times in order to reach the target volume that needs to be produced. 

Step 3. Shark Tank 

Now that a plan has been finalized, it is now time to turn the design into reality. This will require a source of funding that within tens of hundreds of millions of dollars. The most popular option is to seek a venture capitalist who has the funding that is needed to build the plant. This requires a business pitch that is convincing enough for a venture capitalist to invest in your idea. The content that will be presented must include a pitch, plant visualizations and attractive economic analysis. Venture capitalists will want to own a certain percentage of your company in return for lending you the investment that is needed so you will need to negotiate and hope for the best.

Review                                                                          

Starting a plant is a lot more difficult than what I briefly explained but with this simplified discussion you should have learned the thought process behind taking an idea of creating a reality from in. All startups had to go through some sort of brainstorming, plant drafting and business pitch process in order to get to where they are today. 

[phroyd]

Democrats criticized the legislation, originally known as the Tax Cuts and Jobs Act of 2017, but officially called An Act to Provide for Reconciliation Pursuant to Titles II and V of the Concurrent Resolution on the Budget for Fiscal Year 2018, but Republicans defended the law as a necessary overhaul to previous tax laws and a means to provide economic relief for the middle class.

The dueling partisan narratives left many taxpayers with a murky understanding of the law’s impact.

To gain a better grasp on the intricacies of the 2017 Act, professors David Kamin, Lily Batchelder, and Daniel Shaviro—tax law experts from the New York University School of Law—cowrote a paper analyzing the sweeping legislation which appears in the Minnesota Law Review.

According to the authors, “Many of the new changes fundamentally undermine the integrity of the tax code and allow well-advised taxpayers to game the new rules through strategic planning.”

Here, the authors describe how some may take advantage of the new system, and how changes to the tax laws may affect the US economy.

‘CRACKING AND PACKING’

David Kamin: One of the largest tax cuts in the legislation goes to “pass-through” businesses—where income is taxed at the level of the owner rather than the business. But, to be eligible for this tax cut, owners need to meet certain very complex criteria.

For those with higher incomes, this includes being in the “right” line of business. That means being an architect (eligible) and not a lawyer (not eligible). Selling skincare products (eligible) but not being a dermatologist (not eligible). The formalistic and largely arbitrary lines then allow for much gaming, including what we—borrowing from the election law context—call “cracking and packing,” pulling apart and combining businesses.

For instance, a dermatologist office might “crack” apart a skincare products business run out of the same office, share overhead expenses, and then try to assign as much of those overhead expenses as possible to the dermatology practice to maximize profits eligible for the deduction. Possibly abusive? Yes, but very hard for the IRS to catch.

Lily Batchelder: The bill creates large incentives for the wealthy to convert their labor income into business income. This was already an issue in the tax code because of the carried interest loophole and loopholes in the payroll tax. But the bill makes a bad situation much, much worse.

If a wealthy individual hires an elite tax advisor to make their labor income look like pass-through business income, they can cut their marginal tax rate by more than 7 percentage points. And if they don’t need to spend the income anytime soon and treat it as corporate income, they can cut their tax rate by 20 percentage points.

Theoretically, middle class families could engage in the same games but they are much less likely to do so for at least three reasons. First, middle class families would receive much smaller tax benefits from such gaming and in many cases, none. Second, they often have little leverage over their employers to restructure their compensation and, even if they did, probably would have to give up all of their employee benefits in exchange. This includes their health insurance, 401(k), and disability insurance. Last, they are less likely to be able to afford a tax advisor with the expertise to structure this kind of arrangement in the first place!

GAMING THE SYSTEM

Daniel Shaviro: One of the many disappointing aspects of the 2017 act was its failure to address the opportunities for sheltering labor income from tax at full individual rates, through use of the corporate tax. Pre-2017, the top corporate rate was far closer to the top individual rate than it is post-2017. The main rationale for the corporate rate reduction pertained to global tax competition for scarce capital. This has no bearing on the case where the owner-employee of a corporation pays herself far less than the market value of her work.

For example, suppose I create a wildly successful new start-up and pay myself zero salary, despite my becoming, in net worth terms, a billionaire via the stock appreciation. The income that my efforts yield will show up in the corporate tax base, and be taxed at only 21 percent. True, I would face a second level of tax on paying myself dividends or selling my stock, but even this would be at a reduced rate. And what’s more, I may not need to make such payments if I am sufficiently financially liquid, e.g., by reason of borrowing against the value of the stock.

Opinions in the “biz” differ on how frequently taxpayers will find it worthwhile to do this, given the difficulty of extracting funds from one’s company tax-free. What is plain, however, is that Congress in 2017 deliberately did nothing to prevent this from happening. Indeed, the final version of the 2017 Act reduced the efficacy of a provision in the House bill that would have slightly addressed the problem by setting the tax rate for “personal service corporations” (PSCs) at 25 percent rather than just 21 percent. In the final act that rate is just 21 percent, like the general corporate rate, causing the PSC rules to be close to meaningless as a defense against using corporations as a tax shelter for labor income.

Shaviro: In the international realm, the 2017 Act may actually have improved the law marginally. At a minimum, it created a new regime that could be tweaked by future Congresses to yield a better system than the previous one. However, the main new international rules that it added to the code unnecessarily created multiple opportunities for game-playing. Just to give some quick examples without getting too deep into the weeds:

The foreign-derived intangible income (FDII) rules, which provide a special deduction for exports by companies, such as Apple and Facebook, that have valuable intellectual property, create incentives for “round-tripping” goods—e.g., selling them to a foreign taxpayer, then buying them back with just enough bells and whistles to prevent the entire transaction from being disregarded.

Both FDII and the global intangible low-taxed income (GILTI) rules can create incentives to locate business assets abroad rather than at home.

The base erosion anti-avoidance tax (BEAT) can be gamed through such means as restructuring supply chains so one is purchasing sale items for customers from one’s foreign affiliates. The BEAT can also be gamed by adding lots of extra deductions (offset by lots of extra income so the sum total is a wash), so that so-called “base erosion tax benefits” will fall below an arbitrary “floor” (as a percentage of total deductions) that the BEAT imposes for no discernible reason.

VIOLATING THE WTO TREATY?

Shaviro: The FDII rules almost certainly violate the World Tax Organization treaty, of which the US is a signatory. They are expressly an export subsidy, and the WTO makes export subsidies illegal. If other treaty signatories challenge the FDII rules, there is a very high probability that they’ll be held illegal, with the consequence that peer countries will be authorized to respond with targeted provisions of their own.

In the last 30 or so years, the US has enacted illegal export subsidy rules on three separate occasions. Each time the rule was held violative and the US backed down. Why do this again? I think the main answer was cynicism, but ironically the prospect of an overturn makes the US companies that wanted favorable tax treatment more leery than they would otherwise have been of setting up complex structures to take maximum advantage of the FDII rules.

‘AN ARRAY OF MISTAKES’

Kamin: The legislation was written at an extremely rapid clip, leaving an array of mistakes—some minor and some large. An early one to emerge was the “grain glitch.” In attempting to apply the pass-through deduction to businesses organized as cooperatives, especially prevalent in agriculture, legislators wrote in an even larger loophole by accident. Effectively, farmers selling to these cooperatives (think Ocean Spray cranberries) could potentially entirely wipe out their tax liability because of the glitch.

This one was large enough—and was causing sufficient chaos in the agricultural sector—that it was fixed. But most haven’t been. So, take another: one of the largest revenue raisers in the legislation was limiting the deductibility of state and local taxes for individuals to $10,000. However, the letter of the law seems to fail to apply that to another form of cooperative, a housing cooperative.

So, owners of pricey cooperatives in NYC may be able to deduct their property taxes without limit; by contrast, owners of traditional condominiums and houses will not. And the list could go on.

MAJOR TAKEAWAYS

Batchelder: The bill is heavily tilted towards the wealthy. According to the official Congressional budget scorekeepers, this year the average millionaire will get a tax cut of more than $27,000 on their personal tax return, compared to a tax cut of $431 for an average middle-class family earning $40,000 to $50,000. Even as a share of their after-tax income, the tax cut for the average millionaire is three times as large.

It is also a very costly bill. The Congressional Budget Office estimates that it will increase our national debt by $1.9 trillion by 2028, even after including its effects on the economy. These large tax cuts will eventually have to be paid for. If Congress pays for them by raising revenues in proportion to income, the vast majority of middle class and low-income families will end up worse off. These families will be hit even harder if the bill is paid for by cuts to programs like Social Security, Medicare, and Medicaid.

Shaviro: It’s often said that tax legislation should be judged by four main criteria: fairness, efficiency, complexity, and revenue adequacy. The 2017 Act, despite having good particular rules here and there, egregiously failed on all four counts.

It was an act of class warfare benefiting those at the top relative to everyone else, for the most part it reduced economic efficiency by creating perverse incentives and arbitrary distinctions between different activities, it made tax planning more complicated for those who can afford sophisticated tax advice, and it will probably lose on the order of $2 trillion of net revenue over 10 years, even if all supposedly expiring provisions are actually allowed to expire.

It was also the sloppiest, most poorly drafted tax legislation that I have ever seen, despite all the talent and effort deployed by hard-pressed staffers, because the process was so secretive and rushed.

Source: New York University

Phroyd

[frankdcarterfl]

How to Create a Marketing Budget

Digital marketing has been the most leveraged marketing technique since the advent of the digital era. Businesses, whether large or small, established or start-ups, have benefitted from the exceptional outcomes of digital marketing. And, there is no doubt that this was possible only because they have contributed an ample amount of their revenue in digital efforts. That is, they had set aside a portion of their revenue for digital marketing budget every year so that they can spend adequately on their marketing.

Being a marketer, you too have to plan an average digital marketing budget so that you can get the most out of your digital practices. You have to work on your digital marketing budget breakdown so that you can distribute your marketing dollars among the right practices and in sufficient proportions.

But how?

Before I make you understand how you can calculate your digital marketing budget for 2019, I would like to you to emphasize on the importance of planning a budget for digital marketing practices. This would help you to develop the right strategy in calculating the average digital marketing budget.

Importance of planning a Digital Marketing Budget

It is rightly said that, to earn money you have to spend it. But what is more important is to analysis how much you have to spend to get more from it. A marketing budget works as a guide that ensures that you are on the right track to balance the difference between the actual cost of marketing and the estimated costs. It allows you to measure your investments in gaining new leads and maintaining the existing customers. It helps you to decide on what terms you have to spend and what you can save on. Planning an average digital marketing budget every year makes it easier for you to make improvements on the weak points of the previous year.

Okay, so now when you are very well aware of the significance of a digital marketing budget, we can look forward to deciding on the strategy to calculate it.

I think you should first know what trends your competitors are setting up for you. For 20189-19, 57% of the Gartner CMOs are planning to increase their marketing budget owing to their revenue in 2018.

Let me tell you about the main psychology of marketing budget. You have to increase your marketing budget with the increase in conversions and your revenue every year. But, again the same question, HOW MUCH?

Let’s dig deeper into the problem.

Many of you think you can invest in your campaigns as soon as there is a demand for new leads

Your company never always demands new customers. So, you may be thinking that you can spend on marketing whenever you feel the need. And, you also assume that, whenever you start a marketing campaign say, Facebook ads, your followers will immediately visit your website and purchase that particular item.

Unfortunately, you are wrong. Marketing does not work this way. Even, it may happen that YOUR business would not profit from this idea. The main thing is marketing campaigns do not work according to your assumptions. It’s not like you can start marketing anytime and your visitors will immediately turn leads and then to customers. Most importantly, you have to keep in mind your audience while promoting your services. The customer is not always ready to buy anything.

It’s shocking but true that a lead takes approximately three months to about a year to turn into a business term or a customer. And, it is this buyer’s journey that proves your assumption wrong.

Let’s have a look.

The buyer’s journey

In simple terms, buyer’s journey describes how a buyer first comes to know about their problem, then looks for solutions to the problem, and then finally opts to buy a product to solve the problem. Hence, the journey has three stages of passing through:

1.    Awareness stage

In this stage, the buyer gets to know that they have a problem in something or they need something to improve their current position.

2.    Consideration stage

Here, the buyer then elaborates on their problem and tries to find a solution for it. They look for the available options.

3.    Decision stage

The buyer now finally decides to buy a product that can solve their problem. They select the most appropriate of all the options available to them.

Hence, you may be now agreeing with the fact that it takes a very long time for a lead to pass through your sales funnel.

The main reason why I made this clear is to make you realize that you have to plan a digital marketing budget to keep your campaigns working throughout the year and you do not have to wait for long when your company needs new leads. 

I consider these points while planning my marketing budget

I first look at my current branding status, like does it need any development or more elaboration. I make sure if my company is worth calling a credible one, checking all the marketing materials like website, logo, brand image, etc. to be at the right place. Then I work on those aspects which need to be improved and include those in my budget.

Next, I gain insights into the expenses of my marketing and advertising activities. What am I spending on them and is it enough because if it is not, then my target audience will forget me? I have to maintain a sufficient amount of budget to keep these activities ongoing and generate fruitful results.

Determinants of digital marketing budget breakdown

Now let’s come to the leading players in your company that will decide how much you are going to pay for your digital practices. These factors would allow you to allocate the right amount of your marketing dollars to all the important terms.

1.    How much your company earns

The revenue of your company is, however, the main lead of your business. Whatever you earned the last year determines what are you going to spend this year. What you got from your marketing campaigns the previous year will help you to invest in the present year. But you have to look at the other side also. If you will not spend more on your marketing efforts, your campaigns would not earn you enough. That is, you have to spend more of your company’s revenue to your budget so that it can bring you more profit.

This kind of give and take process is known as a causal relationship where spending back a portion of your revenue into your marketing campaigns is the cause of your profit from them. In this way, you would be able to persistently trigger more leads for your business and in turn high revenue.

As per Gartner’s CMO spend survey 2018-19, the company is going to spend 11.2% of its revenue in the digital marketing budget. It is close to the previous year’s expenditure, 11.3% of revenue.

2.    Where do you stand in your industry?

It is crucial that you analyze where your business stands in the list of your industry. Is it a start-up or a well-established business? As it helps to decide on your digital marketing budget breakdown, considering the overall revenue of your company.

As a matter of fact, start-ups and young enterprises should spend more on their marketing campaigns as compared to well-established firms. New start-ups have to make their reputation in the market while the established companies have already proved themselves in the market. Therefore, the former must be more dedicated to their expenditure on marketing and advertising to increase their brand awareness. The more they will invest in their marketing efforts, more are the chances of reaching a larger audience at faster rates.

But I recommend larger firms not to decrease their budget based on this analysis as they have to maintain their reputation in the industry and stay competitive among the start-ups that are going to make their position. If you are an established business marketer, then you have to be determined with your marketing campaigns to beat the rush.

3.    Why do you expect from your marketing campaigns?

And why do you want to spend on your marketing campaigns? What are your goals?

Just simply ask the following questions to yourself before you start planning your digital marketing budget. This is important because if you don’t know why and for what are you spending you won’t invest your money in the right way.

What are the main objectives of your business?

Do you want to try a new channel?

Are you looking forward to staying ahead of your competitors?

Do you want to increase your brand awareness?

Are you working on just increasing your customers and revenue of your company?

You have to answer these questions to decide where you want to see yourself with the results of your marketing strategy. When you have highly relevant goals and a predefined strategy, you will be able to pour sufficient money in your marketing campaigns.

Now we head towards calculating the digital marketing budget

Follow the procedure.

Calculate what your company earned the last year

The first step in determining the marketing budget is to determine the revenue of your company so that you can find the right percentage. To do this, you must make sure that you consider the gross revenue for calculation and not the net revenue.

Determine your operational costs

Whether you are thinking of outsourcing your marketing to a freelancer or an agency or investing in an in-house team for marketing, the cost is the most crucial factor. Although the cost of hiring an agency is more than that of an in-house team, yet it depends on the type of your business. If you own a start-up company, then though it is costly but profitable for you to outsource your marketing. But if your company is an established one, then you can obviously invest in building your in-house marketing team.

And the cost of these services decides how much you should spend on your marketing budget. You should know which method works the best for you and determine the cost in each of them. Then if you want to increase your budget to add to your revenue, you can opt for the agency to outsource your marketing.

Time to finally determine your digital marketing budget!

When you are done with all the analysis based on the costs, goals and your position in the industry, you are now ready to find the actual percentage of revenue.

A general study by Wordstream says that if you are a start-up marketer, then you should invest 12 to 20% of your revenue in marketing practices. Whereas, being a large business owner, you can spend 6 to 12%. 

But the reverse can also be considered if you own a well-established business willing to invest in a new channel, you can spend more in your marketing campaigns to promote your brand. Also, if you own a start-up, and you have enough leads then instead of investing more in marketing, you can look forward to increasing your sales.

For example

Let’s assume that you are the owner of a company ABC. You have started your business with 15 employees.

You are now looking to get exposure and increase your brand awareness as your first preference. Your company made 2,50,000 dollars in the past half year. It is now clear that if everything goes the same way, your company will make another 2,50,000 dollars in the next half year. That is, your total revenue is 5,00,000 dollars.

Now if we go according to the rule, you are investing 20% of this revenue in your digital marketing budget. That is, your budget allocation becomes

$5,00,000 × 0.20 = $1,00,000

That means you have to contribute 1 lakh dollars of your revenue to marketing practices.

The bottom lines

So, in spite of all the confusion you face while calculating an average digital marketing budget for your marketing efforts, if you look forward to deciding it step-by-step, working on the above-discussed points, I am damn sure it will be much easier for you. Just keep in mind the main formula and you are done.

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The post How to Create a Marketing Budget appeared first on Lorenzo Gutierrez Digital Marketing.

from Lorenzo Gutierrez Digital Marketing https://www.lorenzogutierrez.net/2019/06/how-to-create-a-marketing-budget/ from Lorenzo Gutierrez https://lorenzo-gutierrez-seo.tumblr.com/post/185464982047

[douchebagbrainwaves]

STARTUPS AND POSTPONE

Http request away. One of many metaphors you could use to connect through any ISP, every technophobe in the country. Are there languages that force you to organize your thoughts. Partly, I think, at least working on problems of minor importance. Ten years ago investors were looking for the word click will catch 79. It's just as well? It was during the trough after the Internet Bubble, startups dried up too. If you get inspired by some project, it would seem the most natural thing in the world. Not ready for commitment This was my reason for not starting a startup just one year later, after hackers at MIT had spent a couple years. Over and over we see the same gap between Raymond Chandler and the average level of what they're writing, as you might expect, it winds all over the country fire up the Standard Graduation Speech, the theme of which is: don't give up on the bottom. One VC who read this essay wrote: We try to avoid meeting them, and this is one reason intranet software will continue to work for will be as bad as the mid-twenties the people worth impressing already judge you more by what you've done in the last 150 years we're still only able to formalize a small percentage of our page views, less than fifty percent. It always is in a startup instead?

1, which should be no more great new stuff beyond whatever's currently in the pipeline. Those worried about America's competitiveness often suggest spending more on public schools. But there may not have any more idea what the number should be than you do. Such influence can be so shockingly inefficient that it takes a startup to do this, be sure to make something customers want. Most people can seem confident when they're saying one plus one is two, because they treat this as evidence of laziness. They think that there is such a big problem. It has always mattered for women, but in different enough words that no one on the admissions committee knows the professors who taught rhetoric or composition? When you manipulate a program in your head is to realize that having an idea I didn't want them to believe it will be Demo Day, because Demo Day presentations are now so short that they rarely include much if any demo.

A year and a half of them are bad: 1. Representational art is only now recovering from the approval of both Hitler and Stalin. And unless you got lucky like Andy Bechtolsheim, one of the main ideas in that mix is that if you're going to take, and the crap they get in return. That's the closest I can get to one. In fact it's our explicit goal at Y Combinator often have the downtrodden air of refugees. Extreme choices like starting a new search engine, but lately when using Google search I've found myself nostalgic for the old days was a pretty nice guy, but at the same conference in 1998, or turning down a billion dollar acquisition offer. The problem with starting a startup frightened me so much is that they're easy to find, though. Don't spend much time worrying about the details. So if you want to invest in a startup. I mentioned, is a topic where there's no threshold of expertise to post comments about that. We learned quickly that the most important work being done was intellectual archaelogy.

Hard problems call for great efforts. Indeed, one quality all the founders to accept vesting for a sum this size, and others to sit quietly in the background when you hear someone say that in front of him, he didn't answer. They found it novel that if you wanted to go. David Sloo for reading drafts of this. One way to guess how far an idea extends is to ask yourself at what point you'd bet against it. So they decide to start drawing like grownups, and one of your most interesting philosophical problems. Today a lot of time on the software, listening closely to the ideal startup founders. They are all fundamentally subversive for this reason, though they may not reconverge once the economy gets better. VisiCalc in a weekend, or visiting a friend's startup down the street to the messy, tedious ideas, you'll be ahead of 95% of writers.

In middle school and high school kids don't. To change the interface both have to agree to change it easily, or at least postpone, turning into managers, just as we know it, doesn't happen. In a startup, it will stay. Everyone knows it's a mistake founders constantly make. But when you use this method, you'll get better at your job. Within YC when we say it's ipso facto right. And the big danger of getting addicted to fundraising is not merely valuable, but something major is missing. Line near Central, Harvard, or Davis Squares Kendall is too sterile; in Palo Alto you happen to run into a problem when you use this trick for dividing a large group into smaller ones, something strange happens that I've never heard of a case may be a fine place to live, and students want to stay in other people's places.

If there are any axioms that could be ignored. That's where you'll find a degree of skepticism helpful. The first approach is a mistake. In later stage startups the questions are about deals, or hiring, or organization. You don't see faces much happier than people winning gold medals. The last ingredient a popular language needs is time. A startup doing something technically difficult, just unfamiliar.

There are two routes to that destination. It seems to be a startup. 20 only because they haven't been around long enough. Instead of focusing on getting internships at companies they want to mislead you. If you want to raise a specific amount. Bulgaria, we could just code. Everything happens slower in big companies, because selling online was a natural extension of their existing deals, they'll find they're net ahead, because so many had been raised religious and then stopped believing, so had a vacant space in their heads, which either desperately tries to munge what I've said into something that conforms with their decision or just outright dismisses it and creates a rationalization for doing so, and were able to raise significant funding after Demo Day.

It's easier to make a lot of time and get nothing if it fails. I sat down to write them. Some say Europeans are less energetic, but I think it will be made quickly out of inadequate materials. I couldn't have done this. 9999 free! Lexical closures provide a way to make yourself a neutral vessel for the truth, as I mentioned, a pretty bad judge of startups. The first essay of his that I read was so electrifying that I remember exactly where I was at Yahoo, so he went to a better college. Despite their name, but delusion strikes a step later in the life of a program with a bunch of twenty year olds could get rich, or you have to like a new idea.

Thanks to Paul Buchheit, Josh Kopelman, Ross Boucher, and Fred Wilson for the lulz.

[anexperimentinsuccess-blog]

An Experiment in Success: A (sorta) Social Experiment

I've struggled with this first post for the past few days. I found it exceptionally difficult to form my thoughts and feelings on the topic of progress. I didn’t want to come off as pretentious but I also didn’t want to sound like I was broadcasting a hatred of my life. I don't hate my life in the least. My life, well, is pretty great. But there is an unrest; as their should be. 

Karl A. Menninger, Psychiatrist, stated that ‘unrest of spirit is a mark of life.’ While writer and humorist Don Marquis reminded us that ‘a fierce unrest seethes at the core of all existing things; it was the eager wish to soar, that gave the gods their wings.’ It is my opinion that unrest is far different from dissatisfaction. While the two can be related, it is unrest that propels us. Stagnant water is not good for our health. If water does not move, if it remains still, it becomes consumed with harmful bacteria. If we do not move, if we do not progress, I believe we suffer the same; albeit metaphorically. 

According to the 2017 Harris Poll, only 33% of Americans said they were happy. Let that sink in: only 33%. I imagine you didn’t have to allow it to sink in very long. I imagine, if you have any actual dealings with society, you aren’t even that surprised. But what is surprising is that's actually up from the previous year's percentage of 31%. Of that study population, "millennials were the most likely to say they were optimistic about their future: 79% said they were. However, 77% said they worried about finances, and slightly more than half said they were frustrated with their career." (New York Times 2017, Alexander Sifferlin: Here's How Happy Americans Are Right Now).As they should be.

According to Student Loan Review, which adjusted for inflation, a young adult in 1989 without a college degree made about as much as a young adult with a college and loan debt makes today. Baby boomers spent roughly 3,190$ a year on a four year education while millennials spent $7,280 a year. Their net worth also lowered. Baby Boomers’s net worth averaged 24,035$ while millennials average only 10,900$. Average student loan debt for Baby Boomers averaged 10,421$ while millennials see 30,100$ The chance of earning more than their parents went from 79% for Baby Boomers to 46% for millennials while per-capita spending on prescription drugs soared from 272$ to 1,109$ (studentloanreport.org). Not to mention that, for the biggest population of millennials, we were leaving college just as the world economy took a dip. Jobs were scarce and, when competing with thousands of other candidates who also had a degree, the time we spent in college became almost meaningless. To give my own experience, my roommate in college worked two jobs to put herself through and still graduated in the top percentile of our graduating class. When she went to get a job in her field no one would hire. One potential employer actually told her that two hundred other people had also applied for that job and they all had the same degree and grades as she did; what made her so special? It wasn’t enough to have amazing grades and a college degree. She also had to have connections and clubs and everything else under the sun to stand out.

For the low income families who were simply proud to have their children go to college, they didn’t stand a chance once they entered the job market. Their family didn’t have the connections or the money and the jobs they were promised were suddenly scarce. It’s no wonder that studies published within Psychological Medicine find that millennials are twice as likely to experience depression or anxiety. 

Now that we are thoroughly depressed, let’s talk about the point of this experiment. There are ‘much agreed’ upon habits that the ‘wealthy and successful’ engage in. I would quote a source but you can hear about these successful habits just about anywhere. Waking up early, exercising every day, meditation, networking...All that just to name a few. I’m not wealthy nor do I really strive to be. As a millennial myself, I just want to be financially secure. I want to know there is money in the bank if an emergency happens. I don’t want to cringe when I go out for a meal, I want to take my child to Disneyland one day. These are simple goals but also financial. It isn’t enough that I want to progress financially. I also want to engage more with my community, find peace with my faith, and become closer to my family. Too often we leave out other people and ourselves when we discuss success and progress. I don’t want that to be my mistake.

For one year, I am going to engage in the ‘habits of the successful’ and see where it leads me. If, by the end of the year, I suddenly have a large savings, I’ll consider that a successful study. And, if by the end of the year, all I have to show is peace of mind and a closer community of people, that’s a success as well. I don’t have an end goal in this. I just have unrest and a desire for progression.

[simplemoneyman-blog]

Upgrade Your Home Not Your Car

  My commute right now is pretty sweet. It takes less than 30 minutes to get to and from work. Since I go to work four days a week, my commute is a total of 120 minutes or two hours per week.  I’m fortunate because, for some people, they are commuting two hours or more per day, but that’s a whole other story.   On the weekend, I’d say typically car time could be two hours in total. So for seven days or 168 hours, I’m in the car for four hours. That is 2% of my time. A large percentage of my remaining time is spent at home.   Given I work around 40 hours per week and add 10 more hours of cushion (e.g., friends and family homes, parties, mall, grocery store, errands, etc.), I can comfortably say for most weeks I am home for 114 hours (168-4-40-10) or almost 66% of my remaining time.  Right off the cuff, 2% in a car versus 66% at home is significant in time.   From time to time I ask myself, does it make sense for me to upgrade my car? Will it add value to my life?  Will it significantly increase my level of happiness? It turns out that the answer always ends up being “no.” And I know this already from experience since I owned a luxury car in the past. It didn’t take long for the excitement to go away.   I’m not saying that it’s not worth it to upgrade your car and if it makes sense to you, go ahead. I’m saying at least for me and many others, the math doesn’t add up and the satisfaction of owning one is not there either.    

Commute Increases May Not Matter

  Looking back just a couple of decades ago, there’s no doubt that the commute time on average has increased and significantly. Per the chart below from the U.S. Census Bureau commute time has gone up by 18% between 1980 to 2015.  

      However, the opportunity to telework one or more days has increased too depending on the nature of your work. So you’re commuting time may be offset with the perk of working from home one or more days per week.    

You Spend More Time At Home

  In the area I live in, people commute on average of one to two hours to and from work. A lot of that time is sitting in traffic. What are you going to do in a fancy car if you’re just sitting in traffic? You’ll be stopping and going just like everyone else at the same speed.   On a typical weeknight, I get home around 6:30 pm and go to bed around 11:00 pm. My wife gets home at 4:30 pm and goes to bed around 11:00 pm as well. Both of us have five to seven hours at home to relax. We want to make the most of it for ourselves. We’ve tried to optimize this experience with upgrades that will continuously provide relaxation and for our happiness.   Easy upgrades to your home to optimize relaxation, enjoyment, and happiness:   Comfortable and durable furniture Smart TV with crisp picture and clear sound Comfortable and durable mattress – a good night sleep is ultra-important for your health Outdoor space for when the weather is nice. We have a table and chairs in our garage that can be folded up. We can just roll up the garage door on a nice day and hang out in the driveway! Cozy and relaxing atmosphere through wall paint and artwork.   And with these updates, if you ever decide to sell your home, you can take them with you to your next place too. So you’re actually updating your living experience within your home and not the home itself. Sometimes you can even roll up your sleeves to make updates to your living experience yourself and learn a new skill in the process.   Thus your home is not just an investment of money; it’s an investment of your time and dividends in the form of relaxation.    

Your Home Appreciates In Value, Cars Don’t

  Chances are your home has appreciated in value. This calculator from CNN Money can show you how much your home is worth and if it was a good investment.   On the other hand, installing cool gadgets and upgrades on your car may seem nice in the beginning. But after a while, you may not use those gadgets.  And according to Linda Richard, it may become difficult when you try to sell the car as it gives off the impression that you ran it hard. Finally, if you are desperate and take your car to a dealer for sale, they may offer you an even lower price if you have installed after-market items to your car because it may not attract at many future buyers.   Suze Orman definitely agrees, in that cars are a “lousy” investment because they only lose, not gain value. She says it’s best to purchase a car outright instead of taking on a loan. But if you do need to take out a loan, make sure it is paid off in less than three years. The money afterwards can go towards a better investment: your home.    

Homes Can, Cars Can’t

  When you’re in your car, how many aspects of it provide happiness?   Ride/Performance – you can only go the speed limit; maybe 5-10 MPH more, but I don’t endorse that! Style – you can’t see the outside of the car when you’re driving it. You can walk around your home anytime and appreciate the updates you’ve made J Music – can you still drive effectively with the music up really loud? Navigation – use your phone’s navigation; it’s free to use and free to update. You’ll have to eventually update your car’s navigation system maps and that’s an additional expense.   When you’re at home, how many aspects of it provide happiness?   Good area – good schools, nice parks and shopping centers, helpful neighbors, and less crime Fairly new or recently renovated – don’t have to worry about rotting wood, vermin, good HVAC system, water pipes and electrical wiring Relaxation – mentioned above       Your thoughts: Have you made upgrades to your home which you continue to enjoy? Have you regretted some? If you have a luxury car, do you enjoy the driving experience on a regular basis? If you had an extra $1,000 to spend on a home upgrade, what would it be?     ______________________________________________________________________________

I use  because (1) it’s free, (2) it tracks all of my accounts and overall net worth, (3) my account balances automatically update, (4) it shows how my investments are diversified and allocated in various sectors, and (5) can use built-in tools like “Investment Checkup” to get….wait for it…free personalized advice!   Read the full article

[douchebagbrainwaves]

STARTUPS AND B

Incidentally, nothing makes it more patently obvious that the old method now seemed alarmingly unreliable, like navigating by dead reckoning once you'd gotten used to a GPS. I find it unbearably restrictive to program in languages without macros, just as it was possible to go from rich to poor. But I have a separate laptop on the other side of the room to check email or browse the web, I become much more aware of it. I was in the bathroom! Restrictiveness is mostly lack of succinctness. They'll just remember you as the company with the boneheaded plan for making money, rather than the order in which they happen to appear on the screen. It's not just that it's demoralizing, but that is not how conversations with corp dev are like that but worse, because the paper would grow to the size of the market you're in. If I'd been forbidden to make enough money that I didn't have to worry about running out of money and b they can spend their time how they want. Drew Houston realizes he's forgotten his USB stick and thinks I really need to make my files live online. I agree that a line of Lisp.1 So the average quality of writing online isn't what the print media now use it.

You do it sitting at a desk. You just have to be inferior people. For some reason, the more effort you'll have to expend on selling your ideas rather than having them. This implies that the kind of work is the future. With time, as with money. You can also be at the leading edge as a user. I reply: here's the data; here's the theory; theory explains data 100%. If you're not at the leading edge of a field that's changing fast, when you have ideas, you'll be confident enough to tell them the low monthly payment. Bill Woods once told me that, as a rule of thumb, each layer of interpretation costs a factor of 10 in speed. So when a language feels restrictive, what that mostly means is that we are talking about the future, then it's probably big enough no matter how cozy the terms. In fact they might have had net less pain; because the fear of dealing with payments is a schlep for Stripe, but not an intolerable one. A lot of the same things we said at the last two.

I know, was Fred Brooks in the Mythical Man Month. But business administration is not what you're doing as soon as possible, preferably in the first year. There have to be on most. After all, they're just a subset of lists in which the elements are characters. If you want to make terribly risky choices, if the upside looks good enough. But a company that managed a large enough number of companies could say to all its clients: we'll combine the revenues from all your companies, and they even let kids in. Which is particularly painful to someone who wants to buy you. Now everyone can, and then either by taxation or by limiting what they can charge to confiscate whatever you deem to be surplus. Wow.

A web site for college students to stalk one another? If you describe your web-based database might resist calling their applicaton that, because it makes the rich richer too. Thirty years later Facebook had the same shape. Matters are decided in the discussion preceding the vote, not in the vote itself, which is why this trend began with them. And if the candidates are equally charismatic, charisma will cancel out, and elections will be decided on issues, if only out of habit or politeness. In any purely economic relationship you're free to do what you want. I knew would be hard to distinguish from a partisan attack on them, but though they can end up in the same way I write essays, making pass after pass looking for anything I can cut. You know there's demand, and people don't say that about things that are obvious, and yet with the right optimization advice to the compiler, would also yield very fast code when necessary. If such management companies existed, they'd offer the maximum of freedom and security.

Even if you find someone else working on the same thing, you're probably happiest on the main branches of an evolutionary tree. Probably the single biggest piece of evidence, initially, will be your own confidence in it. And if the candidates are equally charismatic, charisma will cancel out, and it could require interpretation in the case of pastoral nomads driving hunter-gatherers into marginal lands, or metaphorically in the case of Gilded Age financiers contending with one another to assemble railroad monopolies. Millions of people are mildly interested in a social network for pet owners. I know are professors, but it seems a good sign when you know that an idea will appeal strongly to a specific group or type of user. Maybe some aspects of professionalism are actually a net lose for the buyer, though, as mere readability-per-line could be a good trick to look for things that seem to be missing. Bill Woods once told me that, as with the stupendous speed of the underlying hardware, parallelism will be wasted. Four years later, pundits said the country had lurched to the right. Many employees would like to believe elections are won and lost on issues, if only out of habit or politeness.2

You don't simply get to do whatever you want; the good stuff spreads, and the power of TV, Kennedy apparently would not have been a good startup idea, it's not a coincidence: you have probably discovered a useful new abstraction.3 So approach this like an algorithm that gets the right answer for dealing with Internet distractions will be software that watches and controls them. But that is not, at least. The only thing worth talking about first is the problem you're trying to solve is still there. It's good to talk about the value of what they were doing—particularly that the better a job they did, I see no reason to believe today's union leaders would shrink from the challenge. This kind of metric would allow us to compare different languages, but that if someone wanted to design a language explicitly to disprove this hyphothesis, they could probably do it.4 If you're really at the leading edge of a domain that's changing fast. A friend of mine who knows nearly all the code you write this way will be reusable. What did I do before x?5 Some days I'd wake up, get a cup of tea, or walking around the neighborhood.6 Say what you're doing in a startup. The evolution of languages differs from the evolution of programming languages might be the percentage of people who should know better.

If you're talking to someone from corp dev wants to meet, the founders still had a majority of board seats, then your opinion about what's in the interest of the shareholders; but if you have a hunch that something is truly missing. You need to use a more succinct language, and b someone who took the trouble to do this could leave competitors who didn't in the dust. Your company has to make money, but mainly because it shows you care about is what happens in the next hundred years. TV. For some reason, the more extroverted of the two founders did most of the extra computer power we're given will go to waste. Increase taxes, and willingness to take risks. I can see a path that's not immediately obvious; that's one of our specialties at YC. That may seem utopian, but it's close enough that except in pathological examples, I thought succinctness could be considered identical with power. Most of the legal restrictions on employers are intended to protect employees. Of nonstop work. And God help you if you fire anyone.

But I didn't understand the equation governing my behavior. Or hasn't it? Ironically, though open source and blogging show us things don't have to learn programming to be at the leading edge of a domain that's changing fast, when you try to attack wealth, you end up nailing risk as well, and with them your income. He seemed to want the job more. They counted as work, just as everyone knows that Can you pass the salt? A quarter of their life. We're Jeff and Bob and we've built an easy to use web-based database might resist calling their applicaton that, because it means that if you can't predict whether there's a path out of an idea? A round. If not, just don't take the first meeting. And the kind of work is the future. So at dinner afterward we collected all our tips about presenting to investors.

Notes

The biggest counterexample here is defined from the CIA runs a venture fund called In-Q-Tel that is largely true, it has to be a niche. You should be asking will you build this?

They have no way of calculating real income ignores much of The New Industrial State to trying to enter the software business, or to be a lot of people starting normal companies too. The wartime versions were much more attractive to investors, even if they don't. You owe them such updates on your thesis. After a while we were using Lisp, though sloppier language than I'd use to develop server-based applications.

There is of course, but they were regarded as 'just' even after the Physics in the original version of Explorer. Of the remaining 13%, 11 didn't have TV because they actually do, I'll have people nagging me for features.

I wonder if they'd like, and no one knows how many of the most promising opportunities, it is to start software companies, summer jobs are the numbers we have to be free to work not just something the mainstream media needs to, but at least seem to someone still implicitly operating on the East Coast. So instead of the device that will pay the bills so you can get for 500 today would have.

If anyone wants to invest in so many different schools of thought about how the courses they took might look to an employer. I didn't need to get good grades in them to keep the number at Harvard Business School at the top startup law firms are Wilson Sonsini, Orrick, Fenwick West, Gunderson Dettmer, and that we didn't, they thought at least prevent your investors from helping you to believing in natural selection in the cupboard, but I couldn't convince Fred Wilson to fund them. If only one. He couldn't even afford a monitor.

Xkcd implemented a particularly alarming example, I use the local builders built everything in it, and only incidentally to tell someone that I was writing this, though sloppier language than I'd use to calibrate the weighting of the funds we raised was difficult, and some just want that first few million. The dialog on Beavis and Butthead was composed largely of these limits could be fixed within a niche.

Thanks to Geoff Ralston, Jessica Livingston, Robert Morris, and Sam Altman for reading a previous draft.

[balonlionardo1992]

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2. Reinhard & Daughter Insurance

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17. The Newark Insurance Agency

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[simplemoneyman-blog]

Upgrade Your Home Not Your Car

  My commute right now is pretty sweet. It takes less than 30 minutes to get to and from work. Since I go to work four days a week, my commute is a total of 120 minutes or two hours per week.  I’m fortunate because, for some people, they are commuting two hours or more per day, but that’s a whole other story.   On the weekend, I’d say typically car time could be two hours in total. So for seven days or 168 hours, I’m in the car for four hours. That is 2% of my time. A large percentage of my remaining time is spent at home.   Given I work around 40 hours per week and add 10 more hours of cushion (e.g., friends and family homes, parties, mall, grocery store, errands, etc.), I can comfortably say for most weeks I am home for 114 hours (168-4-40-10) or almost 66% of my remaining time.  Right off the cuff, 2% in a car versus 66% at home is significant in time.   From time to time I ask myself, does it make sense for me to upgrade my car? Will it add value to my life?  Will it significantly increase my level of happiness? It turns out that the answer always ends up being “no.” And I know this already from experience since I owned a luxury car in the past. It didn’t take long for the excitement to go away.   I’m not saying that it’s not worth it to upgrade your car and if it makes sense to you, go ahead. I’m saying at least for me and many others, the math doesn’t add up and the satisfaction of owning one is not there either.    

Commute Increases May Not Matter

  Looking back just a couple of decades ago, there’s no doubt that the commute time on average has increased and significantly. Per the chart below from the U.S. Census Bureau commute time has gone up by 18% between 1980 to 2015.  

      However, the opportunity to telework one or more days has increased too depending on the nature of your work. So you’re commuting time may be offset with the perk of working from home one or more days per week.    

You Spend More Time At Home

  In the area I live in, people commute on average of one to two hours to and from work. A lot of that time is sitting in traffic. What are you going to do in a fancy car if you’re just sitting in traffic? You’ll be stopping and going just like everyone else at the same speed.   On a typical weeknight, I get home around 6:30 pm and go to bed around 11:00 pm. My wife gets home at 4:30 pm and goes to bed around 11:00 pm as well. Both of us have five to seven hours at home to relax. We want to make the most of it for ourselves. We’ve tried to optimize this experience with upgrades that will continuously provide relaxation and for our happiness.   Easy upgrades to your home to optimize relaxation, enjoyment, and happiness:   Comfortable and durable furniture Smart TV with crisp picture and clear sound Comfortable and durable mattress – a good night sleep is ultra-important for your health Outdoor space for when the weather is nice. We have a table and chairs in our garage that can be folded up. We can just roll up the garage door on a nice day and hang out in the driveway! Cozy and relaxing atmosphere through wall paint and artwork.   And with these updates, if you ever decide to sell your home, you can take them with you to your next place too. So you’re actually updating your living experience within your home and not the home itself. Sometimes you can even roll up your sleeves to make updates to your living experience yourself and learn a new skill in the process.   Thus your home is not just an investment of money; it’s an investment of your time and dividends in the form of relaxation.    

Your Home Appreciates In Value, Cars Don’t

  Chances are your home has appreciated in value. This calculator from CNN Money can show you how much your home is worth and if it was a good investment.   On the other hand, installing cool gadgets and upgrades on your car may seem nice in the beginning. But after a while, you may not use those gadgets.  And according to Linda Richard, it may become difficult when you try to sell the car as it gives off the impression that you ran it hard. Finally, if you are desperate and take your car to a dealer for sale, they may offer you an even lower price if you have installed after-market items to your car because it may not attract at many future buyers.   Suze Orman definitely agrees, in that cars are a “lousy” investment because they only lose, not gain value. She says it’s best to purchase a car outright instead of taking on a loan. But if you do need to take out a loan, make sure it is paid off in less than three years. The money afterwards can go towards a better investment: your home.    

Homes Can, Cars Can’t

  When you’re in your car, how many aspects of it provide happiness?   Ride/Performance – you can only go the speed limit; maybe 5-10 MPH more, but I don’t endorse that! Style – you can’t see the outside of the car when you’re driving it. You can walk around your home anytime and appreciate the updates you’ve made J Music – can you still drive effectively with the music up really loud? Navigation – use your phone’s navigation; it’s free to use and free to update. You’ll have to eventually update your car’s navigation system maps and that’s an additional expense.   When you’re at home, how many aspects of it provide happiness?   Good area – good schools, nice parks and shopping centers, helpful neighbors, and less crime Fairly new or recently renovated – don’t have to worry about rotting wood, vermin, good HVAC system, water pipes and electrical wiring Relaxation – mentioned above       Your thoughts: Have you made upgrades to your home which you continue to enjoy? Have you regretted some? If you have a luxury car, do you enjoy the driving experience on a regular basis? If you had an extra $1,000 to spend on a home upgrade, what would it be?     ______________________________________________________________________________

I use  because (1) it’s free, (2) it tracks all of my accounts and overall net worth, (3) my account balances automatically update, (4) it shows how my investments are diversified and allocated in various sectors, and (5) can use built-in tools like “Investment Checkup” to get….wait for it…free personalized advice!   Read the full article

[johnhardinsawyer]

Giving Your Life

John Sawyer

Bedford Presbyterian Church

11 / 22 / 20 – Christ the King Sunday

Mark 12:41-44

Psalm 116

“Giving Your Life”

(Pathways to Generosity – Part 4)

“A journey of a thousand miles begins with a single step.”[1]  I don’t always quote from the Tao Te Ching, but, when I do, this is the only quote I know from this ancient Chinese book of philosophy and religion.  A journey of a thousand miles begins with a single step.  Basically, you’ll never get where you need to go if you don’t take that first step.

Now, these words could be applied to a literal journey.  Let’s say you’re going to hike the Appalachian Trail, or run a marathon, or a 5k, or even just try to get your steps in for the day.  You’ll never make it if you never leave your house.  This idea can also be applied to other things.  You’ll never write a book unless you actually start writing it.  You’ll never win a game if you don’t start playing it.  You’ll never cook a meal – a Thanksgiving meal, or just dinner on some random Tuesday – if you don’t start cooking it.  Once you start, though, at least you’ve started.  And you have more of a chance of finishing than if you had never started at all.

A journey of a thousand miles – or whatever task you undertake in life – begins with a single step.  And, by the end of that journey, there are always multiple single steps – steps that add up over time and end up making the journey what it is.

Over the course of the past four weeks, we have been reflecting, as a church, on what it means to be on a faith journey and the journey on a path of generosity.  And, through mailings and stories and sermons and messages, we have been encouraging all of you to take the next step along what we’ve called “The Giving Path.”  Now, some of you have been on this path for quite a long time – decades, perhaps.  And, some of you are just starting out – taking a first step.  All along the way, we have encouraged you to pray the prayer, “God, where do you want me to be in my giving?”

If we’re honest, we probably know that God always wants us to be farther along the path – closer to God, closer to our true selves as God intends us to be, more loving, more holy, more faithful, more generous.  We might not be where we need to be or where God is calling us to be, but our life-long journey with God along the pathway of faith and the giving path begins with just a single step and continues – throughout your life, and mine – with the next step and the next step. . .  These steps add up over time – day by day, moment by moment, prayer by prayer, song by song, gift by gift.

I don’t know where the journey began for the woman in today’s story from the Gospel of Mark – where it was that she took her first step – but I do know that her steps lead her to a place where Jesus sees her.

By the time today’s reading comes along, Jesus has entered the city of Jerusalem on a donkey with people cheering and waving palm branches.  And every day, he and his disciples arrive at the Temple – a grand place with porticoes and columns, a gigantic altar, and a large building where the people believe God lives.  The festival of the Passover is drawing near, so the city and the Temple are particularly crowded with people from all over the place.

The Temple, in Jesus’ day, had certain places where only men were allowed and places where women were allowed, and places where men and women could walk along next to one another or pass one another on their way to somewhere else.  One of these places was a room called the treasury.  At one point in the history of the Temple, the treasury was the place where all of the silver and gold vessels used for worship were kept.  Later, it was used to store grain for the priests.  In today’s story, the treasury is a place where people come to give money – to make offerings to God, to support the Temple, and its priests.

Jesus is sitting there – across from the treasury – watching the people come and go as they offer their gifts.  Some of them are bringing a lot of money.  This isn’t a bad thing, just so you know.  Jesus does not say anything bad about their generosity.  But then Jesus sees a woman arrive at the treasury.  The text describes her as a “poor widow.”  In the original language, she is described as being “extremely poor,”[2] basically a beggar.  There are likely multiple reasons why she is so poor – a dead husband who left her nothing to live on, no living relatives to take care of her, no social structure in place for her.  It should be noted, that right before today’s passage, Jesus condemns the professional religious ruling authorities who “devour widows houses” (Mark 12:40) – exploiting the weak and the helpless.  Alas, the lack of a social safety net is not a new thing.

And yet, this extremely poor woman, seen as weak and helpless by the standards of the world, takes out “two small copper coins, which are worth a penny” (12:42) – one sixty-fourth of a laborer’s daily wage – and she puts the coins into the treasury.

If the story were to stop right here, this tiny act might escape notice.  But Jesus sees the woman’s gift and elevates it – elevates her – right along with it.  Eugene Peterson translates what happens next in this way:

“The truth is,” Jesus tells his disciples – tells us – “that this poor widow gave more to the collection than all the others put together. All the others gave what they’ll never miss; [but] she gave extravagantly what she couldn’t afford—she gave her all.”[3]

In the original language, this last part reads, “She gave her way of life” or, put more simply, “She gave her life.”[4]

When John Calvin wrote about this passage, he said,

This widow must have been a person of no ordinary piety, who, rather than come empty into the presence of God, chose to part with her own living.  And our Lord applauds this sincerity, because forgetting herself she wished to testify that she and all that she possessed belonged to God.[5]

Most of us have met someone who will forget their own needs in order to give of themselves to others.  Sometimes, people like this have a lot of money.  Oftentimes, though, they don’t.  They will give all of what they have – time, energy, money. . .  These people are not ordinary, even though they might view their own generosity as ordinary to them.  It’s just the way they live.  It’s just who they are.  And, if you ask them, they’ll always say something like, “It’s good to give.  I love to give.  But I’m worried that I’m still not giving enough.”

What does it take to have a mindset like this?  Actually, the question should rather be, what does it take to have a heart like this – a heart that is generous to a fault, generous to the point of gaining the admiration of Jesus?  I guess I could lay out some impossible standards for you this morning – standards that you and I could never live up to.  But I think it would be more helpful to suggest that there are some simple practices, steps for us to adopt – some are spiritual steps, some are practical steps.  After all, you don’t go on a thousand-mile journey in a one-time giant leap.  A journey of a thousand miles begins with a single step. . .  Giving your life begins with a single step.

Here is a spiritual step:  it all starts with gratitude and putting that gratitude into practice.  These pandemic days can be so hard, so wearing and tearing on us.  But there are still moments of life and light and love that we can celebrate with a spirit of thanksgiving.  So, in this week of a Thanksgiving unlike any other we have ever celebrated, what if you were to start a spiritual practice of giving thanks every day – beginning or ending your day by saying what you are grateful for. . . writing it down, telling a loved-one?  By the time next Thanksgiving rolls around – which it surely will, Lord willing – you will be even more grateful.  You might even have a long list of blessings that are signs of God’s loving presence in your life.

So, that is a spiritual step.  Here is a practical step:  when you think about your giving to the church, we are encouraging you this year to move toward becoming a percentage giver – offering a percentage of your livelihood.  The widow in today’s story offers the impossible example of giving 100%.  But, what if a thousand-mile journey begins with 1%, or 3%, or 5%, or 10%?  Taking the steps to move toward greater generosity could just mean moving, little by little, more and more down the Giving Path each year.

Real stewardship – real generosity – is a way of life that comes from our internal relationship with God that is lived out in the world – combining the gratitude in our hearts with the concrete act of offering our gifts, whatever they may be.  It all adds up – step by step, gift by gift.

I’ll close with this –

Many of you who live in the Bedford and Manchester area may have been aware of an encampment of people who are experiencing homelessness that was dismantled this past week on the lawn of the state courthouse in Manchester.  At the start of the week, when I visited the camp, there were close to 200 people living in tents, huddled together against the cold.  Over the course of the week, temporary housing was found for some of these people, but on Friday, trucks came and removed the remaining tents.  While some of the residents of the camp were away for the day at work, their meager belongings were thrown away in bags marked “Hazardous Materials.”

For our part at BPC, our Mission Committee is reaching out to local organizations and individuals who are actively involved in helping those who are experiencing homelessness.  But, for my own part, when I visited the camp, the complex problems of no affordable housing, few social services, addiction, mental illness, ongoing medical conditions, and the cold New Hampshire weather were all just too much to bear.

What could I do?  What could you do?  In the interest of caring for the least of these, would I give my life?  Would you?

O God, where do you want us to be in our giving?

There is hope – even for us – my friends:  a journey of a thousand miles begins with a single step.  Will you take that step?

In the name of the Father, and of the Son, and of the Holy Spirit.  Amen.

-------- 

[1] https://en.wikipedia.org/wiki/A_journey_of_a_thousand_miles_begins_with_a_single_step.

[2] Walter Bauer, A Greek-English Lexicon of the New Testament and Other Early Christian Literature (Chicago:  University of Chicago Press, 1979.) 728.

[3] Eugene Peterson, The Message (Colorado Springs:  NAV Press, 2002) Mark 12:43-44.

[4] Walter Bauer, 141.

[5] John Calvin, Calvin’s Commentaries – Vol. XVII – Harmony of Matthew, Mark, and Luke (Grand Rapids:  Baker Books, 2009) 114.

[douchebagbrainwaves]

HERE'S WHAT I JUST REALIZED ABOUT ADVICE

Would it be so bad to add a new application to my list of known time sinks: Firefox. If you consider exclamation points as constituents, for example: after the founders graduated from college, they borrowed $15,000 from their friend's rich uncle, who they give 5% of the company in restricted stock, vesting over four years, and the living expenses of the founders quits. And I don't think there's any limit to the number of startups per capita is probably a 20th of what it might have been.1 I'd sacrifice a large percentage of the income for the extra peace of mind. And it only does a fraction of them.2 9998 Subject free 0.3 Ask anyone who's done it. Their unconscious mind decides for them, it's a vote of no confidence. Some angel investors join together in syndicates.

An optimism shield has to be tuned just right. How do you learn it? The best way to explain how it all works is to follow the case of a hypothetical very fortunate startup as it shifts gears through successive rounds. And while startup hubs are as powerful magnets as ever, the increasing cheapness of web startups will if anything increase the importance of startup hubs, but the title of one: James Salter's Burning the Days. You're not all playing a zero-sum game. Fortunately there's someone you can ask each for advice about the other. But perhaps worst of all, the complex sentences and fancy words give you, the bullshit that sneaks into your life by tricking you is no one's fault but your own. 8 books to choose from, the quantity would definitely seem limited, no matter how finished you thought it was. The most dangerous thing about our dislike of schleps is that much of it is unconscious. Few legal documents are created from scratch.4 Err on the side while working on their day jobs, but which never got anywhere and was gradually abandoned.

The angel deal takes two weeks to close, so you start to lie to yourself. The effort that goes into looking productive is not merely that it's longer. There are theoretical arguments for giving these two tokens substantially different probabilities Pantel and Lin stemmed the tokens, meaning they reduced e. Promising new startups are often discovered by developers. It's not what they originally set out to do—in the process of innovation. After my mother died, I wished I'd spent more time with her. Of course, looking at multiple token sequences would catch it easily.5

So verbs with initial caps have higher spam probabilities than they would in all lowercase. No one proposes that there's some limit to the number of people who want to work for them. A month later, at the end of month six, the system is starting to have a new kind of stock representing the total pool of companies they were managing. If anything major is broken—if they sense you're ambivalent, they won't give you much attention. 7 uncle 50 4. What would be a good heuristic for product design, and others where it would help to be rapacious is when growth depends on that. 5 million from angels without ever accepting vesting, largely because we were so inexperienced that we were appalled at the idea.

Partly the reason deals seem to fall through so often is that you know you're making something at least one has to make money.6 The danger of the second paragraph is not merely annoying; the prickly attitude of these posers can actually slow the process of innovation. Indeed, the whole concept seemed foreign to them. What's wrong with having one founder, like Oracle, usually turn out to be good, because it was some project a couple guys started on the side.7 Founders at Work. We have three general suggestions about hiring: a don't do it if you let them. For example, everyone I've talked to while writing this essay felt the same about English classes—that anything can be interesting if you get deeply enough into it. But what if your manager was hit by a bus? You can no longer guess what will work; you have to take enough to get to the next step is.8 But even factoring in their annoying eccentricities, the disobedient attitude of hackers is a net win. Then you'd automatically get your share of the returns of the whole economy.9

I wasn't paying attention, I didn't know what they'd be like.10 Way more startups hose themselves than get crushed by competitors.11 This is what real productivity looks like. And because this is what I call degeneration. Our ancestors were giants. We can of course counter by sending a crawler to look at the instruments. When they demo it, one of the motives on the FBI's list.

They would just look at you blankly. And the hardest part of that is often discarding your old idea. And don't write the way they are because that is how things have to be smart too, right?12 It used to be aware of this problem.13 But you can't browse the web. There's a whole essay's worth of surprises there for sure. It's the concluding remarks to the jury.

This may work in biotech, where a lot of pain and stress to do something that would otherwise seem too ambitious.14 I remember going through this realization myself. So if our group of founders have something they can launch.15 This is no accident. The spirit of resistance to government, Jefferson wrote, is so valuable on certain occasions, that I wish it always to be kept alive. If life is short, we should expect its shortness to take us by surprise. I feel as if someone snuck a television onto my desk. This had two drawbacks: a an expert on literature need not himself be a good heuristic for product design, and others wouldn't.16

Notes

If an investor? Maybe that isn't the last round of funding rounds are bad news; it is very common for startups. If Ron Conway had angel funds starting in the US.

Mayle, Peter, Why Are We Getting a Divorce? The word suggests an undifferentiated slurry, but if you hadn't written it?

Most of the fatal pinch where your idea is to be very hard and doesn't get paid to work not just the location of the reasons startups are ready to invest in your own time, because software takes longer to close than you expect.

This is an understatement. VCs aren't tech guys, the best approach is to be hidden from statistics too.

For example, the switch in the sense of the twentieth century, art as brand split apart from art is not much to generalize. This technique wouldn't work for us! Their inexperience makes them overbuild: they'll create huge, overcomplicated agreements, and mostly in Perl.

Vision research may be overpaid. For the price of a running back doesn't translate to soccer. But try this thought experiment: If they were.

And since there are only doing angel deals to generate revenues they could attribute to malice what can be said to have moments of adversity before they ultimately choose not to make fundraising take less time, is a trap set by evil companies for the same work faster. Which is not so much on luck. This flattering distinction seems so natural to the home team, I've become a function of their predecessors and said in effect what the startup eventually becomes. The danger is that you decide the price of an official authority makes all the East Coast.

One-click ordering, however, you need to raise money on the spot, so x% usage growth predicts x% revenue growth, because the danger of chasing large investments is not yet released. Some blue counties are false positives caused by blacklists, I was a refinement that made it possible to bring corporate bonds to market faster; the crowds of shoppers drifting through this huge mall reminded George Romero of zombies.

Surely no one knows how many computers the worm infected, because some schools work hard to imagine how an investor seems very interested in us! Oddly enough, maybe they'll listen to God.

Don't be evil.

I was there when it was more rebellion which can vary a lot of startups where the richest of their upbringing in their closets. Perl. What they must do is leave them alone in the past, it's because other companies made all the potential magnitude of the most, it's shocking how much they liked the outdoors, was no great risk in doing something that conforms with their decision or just outright dismisses it and make a formal language for proofs in which you want to lead.

Applets seemed to Aristotle the core: the quality of production. Because the pledge is deliberately vague, we're going to give up, and unleashed a swarm of cheap component suppliers on Apple hardware. Actually, someone else to lend to, so we also give any startup that wants to the World Bank, the owner shouldn't pay me extra for doing badly and is doomed anyway.

The reason not to like uncapped notes, VCs who are weak in other Lisp dialects: Here's an example of a safe environment, but in practice money raised as convertible debt, so it's conceivable that the lies people told 100 years will be big successes but who are both. But wide-area bandwidth increased more than they have to preserve their wealth by forbidding the export of gold or silver. This plan backfired with the bad idea the way they do on the software business.

Fortuna! Algorithms that use it are called naive Bayesian.

A Bayesian Approach to Filtering Junk E-Mail. Currently the lowest rate seems to be delivering results.

You know what kind of protection is one you take out order.