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Banks

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“When a government is dependent upon bankers for money,
they and not the leaders of the government control the situation,
since the hand that gives is above the hand that takes. Money has no motherland; financiers are without patriotism and without decency; their sole object is gain.”
– Napoleon Bonaparte

Maslow’s Hierarchy of Needs

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Cash Flow Analysis

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PGI –        Projected Gross Income
– V&C                            –        Vacancy and Collection (Bad Tenants)
————-
EGI –        Effective Gross Income

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– FE –        Fixed Expenses (operating expenses) Taxes, Insurance,
– VE –        Variable Expenses (Operating expenses) (Utilities)
– R –        Reserves for Expenses (operating expenses) (money set aside for replacement items)
——————
NOI –        Net Operating Income

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– DS – Debt Service (Mortgage Payment)
———–
CTO – Cash Throw-off (Cashflow before Taxes)

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NOI –        Net Operating Income (Income)
+R –        Reserves for Replacement
————–
ANOI –        Adjusted NOI

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– I –        Interest (on Loan)
– D –        Depreciation
———-
TI –        Taxable income

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xTR – Tax Rate
————–
T – Tax Payable

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CTO –        Cash Throw off
– T –        Taxes
———————
ATCF –        After Tax Cash Flow

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This Strange Eventful History.

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As You Like it
“All the World’s a Stage“
The 7 Ages of Man.

All the world’s a stage,
And all the men and women merely players;
They have their exits and their entrances,
And one man in his time plays many parts,
His acts being seven ages. At first, the infant,
Mewling and puking in the nurse’s arms.
Then the whining schoolboy, with his satchel
And shining morning face, creeping like snail
Unwillingly to school. And then the lover,
Sighing like furnace, with a woeful ballad
Made to his mistress’ eyebrow. Then a soldier,
Full of strange oaths and bearded like the pard,
Jealous in honor, sudden and quick in quarrel,
Seeking the bubble reputation
Even in the cannon’s mouth. And then the justice,
In fair round belly with good capon lined,
With eyes severe and beard of formal cut,
Full of wise saws and modern instances;
And so he plays his part. The sixth age shifts
Into the lean and slippered pantaloon,
With spectacles on nose and pouch on side;
His youthful hose, well saved, a world too wide
For his shrunk shank, and his big manly voice,
Turning again toward childish treble, pipes
And whistles in his sound. Last scene of all,
That ends this strange eventful history,
Is second childishness and mere oblivion,
Sans teeth, sans eyes, sans taste, sans everything

– William Shakespear

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Actuaries and Underwriters

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Actuaries develop large-scale risk models and set pricing guidelines,
while underwriters apply these models to individual clients to determine if they qualify for insurance or a loan.

Actuary

Actuaries focus on analyzing population-level data using advanced math and statistics

Role:

Develop methods to measure and predict risk for large groups of people or an entire industry.

Focus:

Analyze large datasets to build pricing models, forecast trends, and stress-test scenarios.

Key Skills:

Advanced mathematical, statistical, and probability skills; proficiency in programming languages like Python and R is a plus.

Education:

Requires rigorous certification exams from organizations like the Society of Actuaries (SOA) or Casualty Actuarial Society (CAS).

Work:

Creates the “rating tables” that set the base premiums for different risk categories.

Underwriter

Underwriters use the actuaries’ models to make specific decisions on individual applications, often using more hands-on, policy-specific information like a client’s health or driving history.

Role:

Evaluate specific applications to decide whether to approve coverage and at what price.

Focus:

Review individual applicants, using their personal data (e.g., medical records, driving history, financial information) to assign them to the risk categories created by actuaries.

Key Skills:

Analytical thinking, attention to detail, and a deep understanding of policy guidelines.

Education:

Certifications like CPCU are helpful but not always required; may require a college degree.

Work:

Takes the rating tables from actuaries and applies them to the individual, determining the final premium for that specific applicant.

PRESIDENT

Donald John Trump

What Mode of Conduct is Best Suited to Our Particular of State.
Regarding What Causes Both the Destruction and Preservation of Governments.
“Nations are not ruined by one act of violence, but gradually and in an almost imperceptible manner
by the depreciation of their circulating currency, through its excessive quantity“
– Capernicus
The Arrogant 1% : “Life is Not Hard, You Just Suck.” Crony Capitalism. Their Desires are not Upright.
Economic Mismanagement Breeds an Embittered & Nihilistic Citizenry. Who Break Down the Walls.
“Therefore, those of the popular sort
should see to it that the multitude are not too poor,
since this is a cause of the democracy’s being a corrupt one.“
– Aristotle

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mazie – dumb dumb

https://www.youtube.com/watch?v=vZAj6xfyHIw

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Economic Monetary Policy

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Rep. Schweikert is Back on the House Floor to Issue Dire Debt Spiral Warnings

https://www.youtube.com/watch?v=lQashk_d60s
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The Andrew Jackson Equestrian Statue

Located in Nashville, Tennessee AKA “Music City” on the Front Lawn of the Tennessee State Capitol Building.
“Davidson” County
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At 40 Trillion in Debt.
The Prioritization of Personal Advantage Over the Common Good.
It Has Become Obvious. Institutional Corruption & Moral Bankruptcy. This is Un-American.
We Have Been Turned Into a Dysfunctional Kleptocracy. Our Parasitic Elite Thriving on Financial Extraction.
“The mischief springs from the power which the monied interest derives from a paper currency which they are able to control,
from the multitude of corporations with exclusive privileges which they have succeeded in obtaining…and unless you become more watchful in your states
and check this spirit of monopoly and thirst for exclusive privileges you will in the end find that the most important powers of government have been given or bartered away.“
– Andrew Jackson

“Reverse This Curse.“
The People Are Not To Be Ignored So Easily.
Regarding The Predictable Tendencies of Human Behavior.
Changing the Social Interactions Between the Ruling “Elite” and the General Public.
The People are to Address Their Unforgiving Spirit of Monopoly. Sometimes “Ambition” Must Be Restrained.
For Governments Which are Comprehensible to Its Citizenry. Governments Which Embody the Results of Their Sacrifices.
Leaders Who Are Brave And Courageous and Who Do Not Demand Sacrifices From Others, Which They Would Never Be Called Upon to Make Themselves.

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Massive Attack – Group Four

https://www.youtube.com/watch?v=B1BkecC0tSg
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“THOSE who expect to reap the blessings of freedom, must, like men, undergo the fatigues of supporting it.”
– Thomas Paine

“When a government is dependent upon bankers for money,
they and not the leaders of the government control the situation,
since the hand that gives is above the hand that takes. Money has no motherland; financiers are without patriotism and without decency; their sole object is gain.”
– Napoleon Bonaparte
PROMOTING TENSIONS TO SERVE CAPITALIST INTERESTS IN ORDER TO FUND BOTH SIDES.
“Let me issue and control a nation’s money and I care not who writes the laws”
– Mayer Amschel Rothschild.
The immense power held by those controlling a nation’s currency, often cited to explain the influence of central banks.

Hélène Rey appointed as Economic Adviser and Head of Monetary and Economic Department

https://www.bis.org/press/p260316.htm

Marcus Aurelius

Wit and smartness are not your talent. What then? There are a great many other good qualities in which you cannot pretend nature has failed you. Improve them as far as you can, and let us have that which is perfectly in your power. You may if you please hehave yourself like a man of gravity and good faith, endure hardship, and despise pleasure ; want but a few things, and complain of nothing; you may be gentle and magnanimous if you please, and have nothing of luxury or trifling in your disposition. Do not you sec how much you may do if you have a mind to it, where the plea of incapacity is out of place ? And yet you do not push forward as you should do. What then! Does any natural defect force you to grumble, to lay your faults upon your constitution, to be stingy or a flatterer, to seek after popularity, boast, and be disturbed in mind? Can you say you are so weakly made as to be driven to these practices?

Some men, when they do you a kindness, at once demand the payment of gratitude from you others are more modest than this. However, they remember the favour, and look upon you in a manner as their debtor. A third sort shall scarce know what they have done. These are much like a vine, which is satisfied by being fruitful in its kind, and bears a bunch of grapes without expecting any thanks for it. A fleet horse or greyhound does not make a noise when they have done well, nor a bee neither when she has made a little honey. And thus a man that has done a kindness never proclaims it, but does another as soon as he can, just like a vine that bears again the next season. Now we should imitate those who are so obliging, as hardly to reflect on their beneficence. But you will say, a man ought not to act without reflection. It is surely natural for one that is generous to be conscious of his generosity; yes, truly, and to desire the person obliged should be sensible of it too. What you say is in a great measure true. But if you mistake my meaning, you will become one of those untoward benefactors I first mentioned; indeed, they too are misled by the plausibility of their reasoning. But if you will view the matter in its true colours, never fear that you will neglect any social act.

“We intend to see that the crucible turns our people out as Americans of American nationality

and not as dwellers in a polyglot boarding-house.”

Theodore Roosevelt

26th President of the United States

“Citizenship in a Republic,”

Speech at the Sorbonne, Paris, April 23, 1910

Square Deal

“We demand that big business give the people a square deal; in return we must insist that when anyone engaged in big business honestly endeavors to do right he shall himself be given a square deal.”
– Letter to Sir Edward Gray, November 15, 1913

“A man who is good enough to shed his blood for his country is good enough to be given a square deal afterwards. More than that no man is entitled, and less than that no man shall have.”
– Speech to veterans, Springfield, IL, July 4, 1903

“Let the watchwords of all our people be the old familiar watchwords of honesty, decency, fair-dealing, and commonsense.”… “We must treat each man on his worth and merits as a man. We must see that each is given a square deal, because he is entitled to no more and should receive no less.””The welfare of each of us is dependent fundamentally upon the welfare of all of us.”
– New York State Fair, Syracuse, September 7, 1903

Presidential Criticism

“The President is merely the most important among a large number of public servants. He should be supported or opposed exactly to the degree which is warranted by his good conduct or bad conduct, his efficiency or inefficiency in rendering loyal, able, and disinterested service to the Nation as a whole. Therefore it is absolutely necessary that there should be full liberty to tell the truth about his acts, and this means that it is exactly necessary to blame him when he does wrong as to praise him when he does right. Any other attitude in an American citizen is both base and servile. To announce that there must be no criticism of the President, or that we are to stand by the President, right or wrong, is not only unpatriotic and servile, but is morally treasonable to the American public. Nothing but the truth should be spoken about him or any one else. But it is even more important to tell the truth, pleasant or unpleasant, about him than about any one else.”

“Roosevelt in the Kansas City Star”, 149 May 7, 1918

Man in the Arena

“It is not the critic who counts: not the man who points out how the strong man stumbles or where the doer of deeds could have done better. The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood, who strives valiantly, who errs and comes up short again and again, because there is no effort without error or shortcoming, but who knows the great enthusiasms, the great devotions, who spends himself for a worthy cause; who, at the best, knows, in the end, the triumph of high achievement, and who, at the worst, if he fails, at least he fails while daring greatly, so that his place shall never be with those cold and timid souls who knew neither victory nor defeat.”

These quotes taken from a cdrom – The Works of Theodore Roosevelt –

National Edition, A PRODUCT OF H-BAR ENTERPRISES COPYRIGHT 1997

“…the man who really counts in the world is the doer, not the mere critic-the man who actually does the work, even if roughly and imperfectly, not the man who only talks or writes about how it ought to be done.” (1891)

“Criticism is necessary and useful; it is often indispensable; but it can never take the place of action, or be even a poor substitute for it. The function of the mere critic is of very subordinate usefulness. It is the doer of deeds who actually counts in the battle for life, and not the man who looks on and says how the fight ought to be fought, without himself sharing the stress and the danger.” (1894)

” BEYOND / THROUGH “

Plato & Aristotle in the School of Athens
Painting by Rafael 1509-1511

Plato’s right hand points upwards and he holds ‘Timaeus’,
his book on the formation of the universe and an explanation of its order and beauty.
Aristotle’s right hand is reaching forward, also with a book; ‘Ethics’, his treatise on ethical theory and living a good life.

Aristotle’s Virtues

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Deuteronomy 4
“second law” “after-law” “assign, allot; take”
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(New International Version)

The Year for Canceling Debts

At the end of every seven years you must cancel debts. This is how it is to be done: Every creditor shall cancel any loan they have made to a fellow Israelite. They shall not require payment from anyone among their own people, because the Lord’s time for canceling debts has been proclaimed. You may require payment from a foreigner, but you must cancel any debt your fellow Israelite owes you. However, there need be no poor people among you, for in the land the Lord your God is giving you to possess as your inheritance, he will richly bless you, if only you fully obey the Lord your God and are careful to follow all these commands I am giving you today. For the Lord your God will bless you as he has promised, and you will lend to many nations but will borrow from none. You will rule over many nations but none will rule over you.

If anyone is poor among your fellow Israelites in any of the towns of the land the Lord your God is giving you, do not be hardhearted or tightfisted toward them. Rather, be openhanded and freely lend them whatever they need. Be careful not to harbor this wicked thought: “The seventh year, the year for canceling debts, is near,” so that you do not show ill will toward the needy among your fellow Israelites and give them nothing. They may then appeal to the Lord against you, and you will be found guilty of sin. Give generously to them and do so without a grudging heart; then because of this the Lord your God will bless you in all your work and in everything you put your hand to. There will always be poor people in the land. Therefore I command you to be openhanded toward your fellow Israelites who are poor and needy in your land.

Freeing Servants

If any of your people—Hebrew men or women—sell themselves to you and serve you six years, in the seventh year you must let them go free. And when you release them, do not send them away empty-handed. Supply them liberally from your flock, your threshing floor and your winepress. Give to them as the Lord your God has blessed you. Remember that you were slaves in Egypt and the Lord your God redeemed you. That is why I give you this command today.

But if your servant says to you, “I do not want to leave you,” because he loves you and your family and is well off with you, then take an awl and push it through his earlobe into the door, and he will become your servant for life. Do the same for your female servant.

Do not consider it a hardship to set your servant free, because their service to you these six years has been worth twice as much as that of a hired hand. And the Lord your God will bless you in everything you do.

The Firstborn Animals

Set apart for the Lord your God every firstborn male of your herds and flocks. Do not put the firstborn of your cows to work, and do not shear the firstborn of your sheep. Each year you and your family are to eat them in the presence of the Lord your God at the place he will choose. If an animal has a defect, is lame or blind, or has any serious flaw, you must not sacrifice it to the Lord your God. You are to eat it in your own towns. Both the ceremonially unclean and the clean may eat it, as if it were gazelle or deer. But you must not eat the blood; pour it out on the ground like water.

▬ஜ۩۞۩ஜ▬Habakkuk 2
“to embrace“ “to hug” “garden herb“
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(New International Version)

I will stand at my watch

and station myself on the ramparts;

I will look to see what he will say to me,

and what answer I am to give to this complaint.

The Lord’s Answer

Then the Lord replied:

“Write down the revelation

and make it plain on tablets

so that a herald may run with it.

For the revelation awaits an appointed time;

it speaks of the end

and will not prove false.

Though it linger, wait for it;

it will certainly come

and will not delay.

“See, the enemy is puffed up;

his desires are not upright—

but the righteous person will live by his faithfulness —

indeed, wine betrays him;

he is arrogant and never at rest.

Because he is as greedy as the grave

and like death is never satisfied,

he gathers to himself all the nations

and takes captive all the peoples.

“Will not all of them taunt him with ridicule and scorn, saying,

“ ‘Woe to him who piles up stolen goods

and makes himself wealthy by extortion!

How long must this go on?’

Will not your creditors suddenly arise?

Will they not wake up and make you tremble?

Then you will become their prey.

Because you have plundered many nations,

the peoples who are left will plunder you.

For you have shed human blood;

you have destroyed lands and cities and everyone in them.

“Woe to him who builds his house by unjust gain,

setting his nest on high

to escape the clutches of ruin!

You have plotted the ruin of many peoples,

shaming your own house and forfeiting your life.

The stones of the wall will cry out,

and the beams of the woodwork will echo it.

“Woe to him who builds a city with bloodshed

and establishes a town by injustice!

Has not the Lord Almighty determined

that the people’s labor is only fuel for the fire,

that the nations exhaust themselves for nothing?

For the earth will be filled with the knowledge of the glory of the Lord

as the waters cover the sea.

“Woe to him who gives drink to his neighbors,

pouring it from the wineskin till they are drunk,

so that he can gaze on their naked bodies!

You will be filled with shame instead of glory.

Now it is your turn! Drink and let your nakedness be exposed!

The cup from the Lord’s right hand is coming around to you,

and disgrace will cover your glory.

The violence you have done to Lebanon will overwhelm you,

and your destruction of animals will terrify you.

For you have shed human blood;

you have destroyed lands and cities and everyone in them.

“Of what value is an idol carved by a craftsman?

Or an image that teaches lies?

For the one who makes it trusts in his own creation;

he makes idols that cannot speak.

Woe to him who says to wood, ‘Come to life!’

Or to lifeless stone, ‘Wake up!’

Can it give guidance?

It is covered with gold and silver;

there is no breath in it.”

The Lord is in his holy temple;

let all the earth be silent before him.

Hidden in The Marrows of A.I. Are Those Who are Obssessed About Controling The People.
Deception Through Smooth Rhetoric. Shallow Summaries. Misattributions. A Consideration of the Desires of The Heart.

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The Flagellation of Christ

Guircino (1657)

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“The society that separates its scholars from its warriors will have its thinking done by cowards and its fighting by fools.”
– Thucydides

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Cash Flow Analysis

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PGI –        Projected Gross Income
– V&C                            –        Vacancy and Collection (Bad Tenants)
————-
EGI –        Effective Gross Income

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– FE –        Fixed Expenses (operating expenses) Taxes, Insurance,
– VE –        Variable Expenses (Operating expenses) (Utilities)
– R –        Reserves for Expenses (operating expenses) (money set aside for replacement items)
——————
NOI –        Net Operating Income

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– DS – Debt Service (Mortgage Payment)
———–
CTO – Cash Throw-off (Cashflow before Taxes)

▬ஜ۩۞۩ஜ▬

NOI –        Net Operating Income (Income)
+R –        Reserves for Replacement
————–
ANOI –        Adjusted NOI

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– I –        Interest (on Loan)
– D –        Depreciation
———-
TI –        Taxable income

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xTR – Tax Rate
————–
T – Tax Payable

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CTO –        Cash Throw off
– T –        Taxes
———————
ATCF –        After Tax Cash Flow

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Actuaries and Underwriters

▬▬▬▬▬▬▬▬▬▬ஜ۩۞۩ஜ▬▬▬▬▬▬▬▬▬▬
Actuaries develop large-scale risk models and set pricing guidelines,
while underwriters apply these models to individual clients to determine if they qualify for insurance or a loan.

Actuary

Actuaries focus on analyzing population-level data using advanced math and statistics

Role:

Develop methods to measure and predict risk for large groups of people or an entire industry.

Focus:

Analyze large datasets to build pricing models, forecast trends, and stress-test scenarios.

Key Skills:

Advanced mathematical, statistical, and probability skills; proficiency in programming languages like Python and R is a plus.

Education:

Requires rigorous certification exams from organizations like the Society of Actuaries (SOA) or Casualty Actuarial Society (CAS).

Work:

Creates the “rating tables” that set the base premiums for different risk categories.

Underwriter

Underwriters use the actuaries’ models to make specific decisions on individual applications, often using more hands-on, policy-specific information like a client’s health or driving history.

Role:

Evaluate specific applications to decide whether to approve coverage and at what price.

Focus:

Review individual applicants, using their personal data (e.g., medical records, driving history, financial information) to assign them to the risk categories created by actuaries.

Key Skills:

Analytical thinking, attention to detail, and a deep understanding of policy guidelines.

Education:

Certifications like CPCU are helpful but not always required; may require a college degree.

Work:

Takes the rating tables from actuaries and applies them to the individual, determining the final premium for that specific applicant.

FIRST LADY

Melania Knauss Trump

Bank For International Settlements

Bank of England

Bank of Japan

Federal Reserve

International Monetary Fund

The People’s Bank of China

Bundesbank

Bank of France

Bank of Italy

Bank of Spain

Swiss National Bank

Reserve Bank of India

Winged Lion Shadow Final (Transparent Back)

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Haggai 1
“festival” “festival sacrifice” “festive“
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(New International Version)

A Call to Build the House of the Lord

In the second year of King Darius, on the first day of the sixth month, the word of the Lord came through the prophet Haggai to Zerubbabel son of Shealtiel, governor of Judah, and to Joshua son of Jozadak, the high priest:

This is what the Lord Almighty says: “These people say, ‘The time has not yet come to rebuild the Lord’s house.’ ”

Then the word of the Lord came through the prophet Haggai: “Is it a time for you yourselves to be living in your paneled houses, while this house remains a ruin?”

Now this is what the Lord Almighty says: “Give careful thought to your ways. You have planted much, but harvested little. You eat, but never have enough. You drink, but never have your fill. You put on clothes, but are not warm. You earn wages, only to put them in a purse with holes in it.”

This is what the Lord Almighty says: “Give careful thought to your ways. Go up into the mountains and bring down timber and build my house, so that I may take pleasure in it and be honored,” says the Lord. “You expected much, but see, it turned out to be little. What you brought home, I blew away. Why?” declares the Lord Almighty. “Because of my house, which remains a ruin, while each of you is busy with your own house. Therefore, because of you the heavens have withheld their dew and the earth its crops. I called for a drought on the fields and the mountains, on the grain, the new wine, the olive oil and everything else the ground produces, on people and livestock, and on all the labor of your hands.”

Then Zerubbabel son of Shealtiel, Joshua son of Jozadak, the high priest, and the whole remnant of the people obeyed the voice of the Lord their God and the message of the prophet Haggai, because the Lord their God had sent him. And the people feared the Lord.

Then Haggai, the Lord’s messenger, gave this message of the Lord to the people: “I am with you,” declares the Lord. So the Lord stirred up the spirit of Zerubbabel son of Shealtiel, governor of Judah, and the spirit of Joshua son of Jozadak, the high priest, and the spirit of the whole remnant of the people. They came and began to work on the house of the Lord Almighty, their God, on the twenty-fourth day of the sixth month.

The Promised Glory of the New House

In the second year of King Darius,

▬ஜ۩۞۩ஜ▬Habakkuk 2
“to embrace“ “to hug” “garden herb“
▬▬▬▬▬▬▬▬▬▬▬ஜ۩۞۩ஜ▬▬▬▬▬▬▬▬▬▬▬
(New International Version)

I will stand at my watch

and station myself on the ramparts;

I will look to see what he will say to me,

and what answer I am to give to this complaint.

The Lord’s Answer

Then the Lord replied:

“Write down the revelation

and make it plain on tablets

so that a herald may run with it.

For the revelation awaits an appointed time;

it speaks of the end

and will not prove false.

Though it linger, wait for it;

it will certainly come

and will not delay.

“See, the enemy is puffed up;

his desires are not upright—

but the righteous person will live by his faithfulness —

indeed, wine betrays him;

he is arrogant and never at rest.

Because he is as greedy as the grave

and like death is never satisfied,

he gathers to himself all the nations

and takes captive all the peoples.

“Will not all of them taunt him with ridicule and scorn, saying,

“ ‘Woe to him who piles up stolen goods

and makes himself wealthy by extortion!

How long must this go on?’

Will not your creditors suddenly arise?

Will they not wake up and make you tremble?

Then you will become their prey.

Because you have plundered many nations,

the peoples who are left will plunder you.

For you have shed human blood;

you have destroyed lands and cities and everyone in them.

“Woe to him who builds his house by unjust gain,

setting his nest on high

to escape the clutches of ruin!

You have plotted the ruin of many peoples,

shaming your own house and forfeiting your life.

The stones of the wall will cry out,

and the beams of the woodwork will echo it.

“Woe to him who builds a city with bloodshed

and establishes a town by injustice!

Has not the Lord Almighty determined

that the people’s labor is only fuel for the fire,

that the nations exhaust themselves for nothing?

For the earth will be filled with the knowledge of the glory of the Lord

as the waters cover the sea.

“Woe to him who gives drink to his neighbors,

pouring it from the wineskin till they are drunk,

so that he can gaze on their naked bodies!

You will be filled with shame instead of glory.

Now it is your turn! Drink and let your nakedness be exposed!

The cup from the Lord’s right hand is coming around to you,

and disgrace will cover your glory.

The violence you have done to Lebanon will overwhelm you,

and your destruction of animals will terrify you.

For you have shed human blood;

you have destroyed lands and cities and everyone in them.

“Of what value is an idol carved by a craftsman?

Or an image that teaches lies?

For the one who makes it trusts in his own creation;

he makes idols that cannot speak.

Woe to him who says to wood, ‘Come to life!’

Or to lifeless stone, ‘Wake up!’

Can it give guidance?

It is covered with gold and silver;

there is no breath in it.”

The Lord is in his holy temple;

let all the earth be silent before him.

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Deuteronomy 6
“second law” “after-law” “assign, allot; take”
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(Berean Standard Bible)

The Greatest Commandment

These are the commandments and statutes and ordinances that the LORD your God has instructed me to teach you to follow in the land that you are about to enter and possess, so that you and your children and grandchildren may fear the LORD your God all the days of your lives by keeping all His statutes and commandments that I give you, and so that your days may be prolonged. Hear, O Israel, and be careful to observe them, so that you may prosper and multiply greatly in a land flowing with milk and honey, just as the LORD, the God of your fathers, has promised you.

Hear, O Israel: The LORD our God, the LORD is One. And you shall love the LORD your God with all your heart and with all your soul and with all your strength.

These words I am commanding you today are to be upon your hearts. And you shall teach them diligently to your children and speak of them when you sit at home and when you walk along the road, when you lie down and when you get up. Tie them as reminders on your hands and bind them on your foreheads. Write them on the doorposts of your houses and on your gates.

And when the LORD your God brings you into the land He swore to your fathers, to Abraham, Isaac, and Jacob, that He would give you—a land with great and splendid cities that you did not build, with houses full of every good thing with which you did not fill them, with wells that you did not dig, and with vineyards and olive groves that you did not plant—and when you eat and are satisfied, be careful not to forget the LORD who brought you out of the land of Egypt, out of the house of slavery.

Fear the LORD your God, serve Him only, and take your oaths in His name. Do not follow other gods, the gods of the peoples around you. For the LORD your God, who is among you, is a jealous God. Otherwise the anger of the LORD your God will be kindled against you, and He will wipe you off the face of the earth.

Do not test the LORD your God as you tested Him at Massah. You are to diligently keep the commandments of the LORD your God and the testimonies and statutes He has given you. Do what is right and good in the sight of the LORD, so that it may be well with you and that you may enter and possess the good land that the LORD your God swore to give your fathers, driving out all your enemies before you, as the LORD has said.

Teach Your Children

In the future, when your son asks, “What is the meaning of the decrees and statutes and ordinances that the LORD our God has commanded you?” then you are to tell him, “We were slaves of Pharaoh in Egypt, but the LORD brought us out of Egypt with a mighty hand. Before our eyes the LORD inflicted great and devastating signs and wonders on Egypt, on Pharaoh, and on all his household. But He brought us out from there to lead us in and give us the land that He had sworn to our fathers.

And the LORD commanded us to observe all these statutes and to fear the LORD our God, that we may always be prosperous and preserved, as we are to this day. And if we are careful to observe every one of these commandments before the LORD our God, as He has commanded us, then that will be our righteousness.”

▬ஜ۩۞۩ஜ▬Jeremiah 10
“may Jehovah exalt” “the Lord casts, the Lord founds“
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(Berean Standard Bible)

The Sovereignty of God

Hear the word that the LORD speaks to you, O house of Israel. This is what the LORD says:

“Do not learn the ways of the nations

or be terrified by the signs in the heavens,

though the nations themselves are terrified by them.

For the customs of the peoples are worthless;

they cut down a tree from the forest;

it is shaped with a chisel

by the hands of a craftsman.

They adorn it with silver and gold

and fasten it with hammer and nails,

so that it will not totter.

Like scarecrows in a cucumber patch,

their idols cannot speak.

They must be carried

because they cannot walk.

Do not fear them, for they can do no harm,

and neither can they do any good.”

There is none like You, O LORD.

You are great, and Your name is mighty in power.

Who would not fear You, O King of nations?

This is Your due.

For among all the wise men of the nations,

and in all their kingdoms,

there is none like You.

But they are altogether senseless and foolish,

instructed by worthless idols made of wood!

Hammered silver is brought from Tarshish,

and gold from Uphaz—

the work of a craftsman

from the hands of a goldsmith.

Their clothes are blue and purple,

all fashioned by skilled workers.

But the LORD is the true God;

He is the living God and eternal King.

The earth quakes at His wrath,

and the nations cannot endure His indignation.

Thus you are to tell them: “These gods, who have made neither the heavens nor the earth, will perish from this earth and from under these heavens.”

The LORD made the earth by His power;

He established the world by His wisdom

and stretched out the heavens by His understanding.

When He thunders,

the waters in the heavens roar;

He causes the clouds to rise

from the ends of the earth.

He generates the lightning with the rain

and brings forth the wind from His storehouses.

Every man is senseless and devoid of knowledge;

every goldsmith is put to shame by his idols.

For his molten images are a fraud,

and there is no breath in them.

They are worthless, a work to be mocked.

In the time of their punishment they will perish.

The Portion of Jacob is not like these,

for He is the Maker of all things,

and Israel is the tribe of His inheritance—

the LORD of Hosts is His name.

The Coming Captivity of Judah

Gather up your belongings from this land, you who live under siege. For this is what the LORD says:

“Behold, at this time I will sling out

the inhabitants of the land

and bring distress upon them

so that they may be captured.”

Woe to me because of my brokenness;

my wound is grievous!

But I said, “This is truly my sickness,

and I must bear it.”

My tent is destroyed,

and all its ropes are snapped.

My sons have departed from me

and are no more.

I have no one left to pitch my tent

or set up my curtains.

For the shepherds have become senseless;

they do not seek the LORD.

Therefore they have not prospered,

and all their flock is scattered.

Listen! The sound of a report is coming—

a great commotion from the land to the north.

It will make the cities of Judah a desolation,

a haunt for jackals.

I know, O LORD, that a man’s way is not his own;

no one who walks directs his own steps.

Correct me, O LORD,

but only with justice—

not in Your anger,

or You will bring me to nothing.

Pour out Your wrath on the nations

that do not acknowledge You,

and on the families

that do not call on Your name.

For they have devoured Jacob;

they have consumed him and finished him off;

they have devastated his homeland.

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Steve Cutts – Happiness

https://www.youtube.com/watch?v=e9dZQelULDk&t=58s
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“Where is that chief officer?
Where is the one who took the revenue?
Where is the officer in charge of the towers?”
You will see those arrogant people no more, people whose speech is obscure, whose language is strange and incomprehensible.

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Jain – Makeba

https://www.youtube.com/watch?v=59Q_lhgGANc
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“Speak up for those who cannot speak for themselves, for the rights of all who are destitute. Speak up and judge fairly; defend the rights of the poor and needy.”
– Proverbs 31 (“Words put forward“)

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The Jubalaires — Noah [ Bassic Remix ]

https://www.youtube.com/watch?v=byV9vym38aU
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Uncle Rico Arrives – Napoleon Dynamite

https://www.youtube.com/watch?v=beqcVTiljck
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We Can’t Afford the Fun Pack – Napoleon Dynamite

https://www.youtube.com/watch?v=281fpIjLEWc
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New Order – Blue Monday

https://www.youtube.com/watch?v=c1GxjzHm5us
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Cash Flow Analysis

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PGI –        Projected Gross Income
– V&C                            –        Vacancy and Collection (Bad Tenants)
————-
EGI –        Effective Gross Income

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– FE –        Fixed Expenses (operating expenses) Taxes, Insurance,
– VE –        Variable Expenses (Operating expenses) (Utilities)
– R –        Reserves for Expenses (operating expenses) (money set aside for replacement items)
——————
NOI –        Net Operating Income

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– DS – Debt Service (Mortgage Payment)
———–
CTO – Cash Throw-off (Cashflow before Taxes)

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NOI –        Net Operating Income (Income)
+R –        Reserves for Replacement
————–
ANOI –        Adjusted NOI

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– I –        Interest (on Loan)
– D –        Depreciation
———-
TI –        Taxable income

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xTR – Tax Rate
————–
T – Tax Payable

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CTO –        Cash Throw off
– T –        Taxes
———————
ATCF –        After Tax Cash Flow

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This Strange Eventful History.

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As You Like it
“All the World’s a Stage“
The 7 Ages of Man.

All the world’s a stage,
And all the men and women merely players;
They have their exits and their entrances,
And one man in his time plays many parts,
His acts being seven ages. At first, the infant,
Mewling and puking in the nurse’s arms.
Then the whining schoolboy, with his satchel
And shining morning face, creeping like snail
Unwillingly to school. And then the lover,
Sighing like furnace, with a woeful ballad
Made to his mistress’ eyebrow. Then a soldier,
Full of strange oaths and bearded like the pard,
Jealous in honor, sudden and quick in quarrel,
Seeking the bubble reputation
Even in the cannon’s mouth. And then the justice,
In fair round belly with good capon lined,
With eyes severe and beard of formal cut,
Full of wise saws and modern instances;
And so he plays his part. The sixth age shifts
Into the lean and slippered pantaloon,
With spectacles on nose and pouch on side;
His youthful hose, well saved, a world too wide
For his shrunk shank, and his big manly voice,
Turning again toward childish treble, pipes
And whistles in his sound. Last scene of all,
That ends this strange eventful history,
Is second childishness and mere oblivion,
Sans teeth, sans eyes, sans taste, sans everything

– William Shakespear

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Actuaries and Underwriters

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Actuaries develop large-scale risk models and set pricing guidelines,
while underwriters apply these models to individual clients to determine if they qualify for insurance or a loan.

Actuary

Actuaries focus on analyzing population-level data using advanced math and statistics

Role:

Develop methods to measure and predict risk for large groups of people or an entire industry.

Focus:

Analyze large datasets to build pricing models, forecast trends, and stress-test scenarios.

Key Skills:

Advanced mathematical, statistical, and probability skills; proficiency in programming languages like Python and R is a plus.

Education:

Requires rigorous certification exams from organizations like the Society of Actuaries (SOA) or Casualty Actuarial Society (CAS).

Work:

Creates the “rating tables” that set the base premiums for different risk categories.

Underwriter

Underwriters use the actuaries’ models to make specific decisions on individual applications, often using more hands-on, policy-specific information like a client’s health or driving history.

Role:

Evaluate specific applications to decide whether to approve coverage and at what price.

Focus:

Review individual applicants, using their personal data (e.g., medical records, driving history, financial information) to assign them to the risk categories created by actuaries.