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Failings identified after wall of fire sparked by gas ignition rushes over underground miners

An incident in which a gas ignition sent a wall of fire over underground miners could have been deadly, the NSW Resources Regulator says in its initial investigation report.




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Wall of hands at Weigelli rehab centre




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How Royal scandal of Edward and Wallis jeopardised CWA cookbook

When speculation grew that a reigning British monarch would step down from the throne, it jeopardised the publication of a cookbook organised by one of Australia's largest community associations.




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Koepka: MJ beat me, asked 'where my wallet was' after trash talk




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Bubba Wallace condemns Larson's use of slur but calls apology 'sincere'




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Fourth Estate Public Benefit Corp. v. Wall-Street.com

(United States Supreme Court) - Held that a copyright claimant may not commence an infringement suit until the Copyright Office registers the copyright. The plaintiff, a news organization that sued a news website for infringement, argued that the relevant date should be when the Copyright Office receives a completed application for registration, even if the Register of Copyrights has not yet acted on that application. The U.S. Supreme Court disagreed, in a unanimous opinion delivered by Justice Ginsburg.




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Trinity Wall Street v. WalMart Stores Inc.

(United States Third Circuit) - In a suit brought by a shareholder of retailer-defendant, seeking to include its proposal in defendant's proxy materials for shareholder consideration, the district court's judgment in favor of plaintiff ordering the inclusion of the proposal into the proxy materials is reversed where the proposal, which goes to the heart of defendant's business, is excludable under the "ordinary business" exclusion of SEC Rule 14a-8(i)(7), 17 C.F.R. section 240.14a-8(i)(7).




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In Re Walldesign

(United States Ninth Circuit) - Affirming the district court's order reversing the bankruptcy order that would have let a committee of unsecured creditors could recover fraudulently transferred funds solely from a corporate cheat because the appellate court agreed with the district court that the committee could also recover funds from the parties to whom the cheat made payments from the corporate account because the 'good guys' involved in these dealings were still in a better position than unsuspecting creditors to guard against corporate fraud.




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Fourth Estate Public Benefit Corp. v. Wall-Street.com

(United States Supreme Court) - Held that a copyright claimant may not commence an infringement suit until the Copyright Office registers the copyright. The plaintiff, a news organization that sued a news website for infringement, argued that the relevant date should be when the Copyright Office receives a completed application for registration, even if the Register of Copyrights has not yet acted on that application. The U.S. Supreme Court disagreed, in a unanimous opinion delivered by Justice Ginsburg.




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Fourth Estate Public Benefit Corp. v. Wall-Street.com

(United States Supreme Court) - Held that a copyright claimant may not commence an infringement suit until the Copyright Office registers the copyright. The plaintiff, a news organization that sued a news website for infringement, argued that the relevant date should be when the Copyright Office receives a completed application for registration, even if the Register of Copyrights has not yet acted on that application. The U.S. Supreme Court disagreed, in a unanimous opinion delivered by Justice Ginsburg.




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Denmark Native Raised In Spain @ChrisWallem Drops Debut EP #Artesano

CW Is Also The Founder And DJ Of ‘Mo’ Money’ Events At Marbella’s Elite Olivia Valere Night Club Since 2015




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Outpost Firewall Pro Review

Read our review of Outpost Firewall Pro, the best software firewall solution in the industry.




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How To Improve the avast! Internet Security Firewall

A quick and easy way of making the avast! Internet Security Firewall much more effective.





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World Premiere: The Walls Group "My Life



Check out The Walls Group's latest video.




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Flicks of the Week: Discover Hip Hop Like Chris...Wallace



'Fresh Dressed" premieres on Monday, October 13 at 10P/9C.



  • BET Star Cinema

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NASCAR’s Only African-American Driver Bubba Wallace Addresses Kyle Larson’s Racial Slur

The stock car racer emphasized it’s ‘NOT just a word.’




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Photos: Car Crashes Through Harbour Road Wall

[Updated] Emergency services responded to the Harbour Road, Paget area this afternoon [Dec 9] where a car crashed through a wall resulting in the front of the vehicle hanging off the road above Hamilton Harbour. Police have closed the road off diverting traffic away from the scene. Details are limited at this time, however we […]

(Click to read the full article)




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Photos: Car Crashed Into Wall In St George’s

At approximately 4.00pm this afternoon [Nov 18], a collision occurred on Mullet Bay Road in St George’s in which a car driver struck a wall. Further details are limited at this time, however we will update as able. Related Stories Motorcyclist Injured In Collision In Warwick Man Arrested After Collision On Middle Road Driver Injured […]

(Click to read the full article)




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Photos: Unoccupied Car Crashes Through Wall

[Updated] Police are advising the public they “should avoid the section of Cavendish Road, Pembroke between Spurling Hill and Lane Hill until further notice,” as a car has “gone over an embankment.” A police spokesperson said, “Police are advising members of the public that they should avoid the section of Cavendish Road, Pembroke between Spurling […]

(Click to read the full article)




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Car Crashes Through Wall, Overturns On Beach

[Updated] Emergency service personnel are on scene following a collision in the Bailey’s Bay area this afternoon [July 27] in which a vehicle crashed through a wall, landing on the beach area below. Further details are limited at this time, however we will update as able. Update 12.58pm: Police Media Manager Dwayne Caines said, “At 11.57am […]

(Click to read the full article)




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Cornwalling




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Fake crypto-wallet extensions appear in Chrome Web Store once again, siphoning off victims' passwords

'Seriously sometimes seems Google's moderators are only optimized to respond to social media outrage'

Three weeks after Google removed 49 Chrome extensions from its browser's software store for stealing crypto-wallet credentials, 11 more password-swiping add-ons have been spotted – and some are still available to download.…




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O2 be a fly on the wall during BT and Vodafone's video calls: Telefónica's UK biz, Virgin Media officially merge

Multinationals' UK arms pair up to take on Voda and former state-owned telco

Telcos Telefónica and Liberty Global today confirmed plans to join their O2 UK and Virgin Media subsidiaries into one combined entity in a deal analysts branded a "blockbuster merger".…




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Bernie Sanders tells Wolf Blitzer that college tuition should be free and paid for by a tax on Wall Street Speculation

Democratic presidential candidate Bernie Sanders (I-VT) on Tuesday unveiled a plan to address income inequality by taxing Wall Street speculation and using the money to eliminate college tuition. Continue reading



  • Accountants CPA Hartford
  • Articles
  • Bernie Sanders discusses Hillary Clinton
  • Bernie Sanders for free college education
  • Bernie Sanders introduces bill for free tuition
  • Bernie Sanders tells Wolf Blitzer that college tuition should be free and paid for by a tax on Wall Street Speculation
  • Clinton Questioned about Income Inequality
  • CNN
  • CNN Wolf Blitzer interview Bernie Sanders
  • college education paid for by Wall Street speculation tax
  • Democratic presidential primary 2016
  • May 19 2015
  • Race for the White House
  • robin hood bill
  • transcript
  • video
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Senator Bernie Sanders tells Ed Schultz to make college tuition free for students and pay for it with a tax on Wall Street speculation

Presidential candidate Bernie Sanders says he wants to offer tuition free at public colleges and universities, paid for with a new tax on Wall Street. Ed Schultz and Sanders discuss the senator’s proposal. Continue reading



  • Accountants CPA Hartford
  • Articles
  • 50 cent tax on every $100 of stock trades
  • address student debt
  • Bernie Sanders discusses Hillary Clinton
  • Bernie Sanders for free college education
  • Bernie Sanders introduces bill for free tuition
  • Bernie Sanders tells Wolf Blitzer that college tuition should be free and paid for by a tax on Wall Street Speculation
  • climate change
  • Clinton Questioned about Income Inequality
  • CNN
  • CNN Wolf Blitzer interview Bernie Sanders
  • college education paid for by Wall Street speculation tax
  • Congressman Keith Ellison Robin Hood bill
  • create job rebuilding infrastructure
  • Democratic presidential primary 2016
  • Ed Schultz
  • Keith Ellison
  • kitchen table issues
  • make college affordable
  • Make State College Tuition Free
  • May 19 2015
  • millions leaving school in large debt
  • Race for the White House
  • raise minimum wage
  • robin hood bill
  • Senator Bernie Sanders
  • Senator Bernie Sanders tells Ed Schultz to make college tuition free for students and pay for it with a tax on Wall Street speculation
  • stop endless wars in Middle East
  • student debt $1.2 trillion
  • the Ed Show
  • transcript
  • video
  • Wall Street shake down
  • Wolf Blitzer

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Michael Moore says middle class should vote for Trump to oppose elites, Corporate America, Wall Street, career politicians, media

The middle class needs to vote for Donald Trump in order to oppose the elites, Corporate America, Wall Street, the career politicians, and the media, who have all conspired to destroy the middle class. Donald Trump is the Molotov cocktail, the human hand grenade, that every beaten-down, nameless, forgotten working stiff who used to be part of what was called the middle class can legally throw into the system that stole their lives from them. Continue reading




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B walletstyle

2019.9.18塁斗うす今日もいい公演でした大阪おおきに名古屋から大阪にきたよって使いたかった写真です続きをみる

『著作権保護のため、記事の一部のみ表示されております。』




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Wall Street se daří, trhy se měly nejlépe od 80. let. I přes koronavirus

Americké trhy rostou rapidním tempem. A to i přes to, že ekonomiky po celém světě drtí koronavirus. Jejich dubnový růst je nejvyšší za desítky let – naposledy tak rychle za měsíc vyrostly v roce 1987. Nahoru akciové indexy ženou nejen vládní intervence a úspory, ale i investoři samotní.



  • Ekonomika - Zahraniční

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Ken and Robin Talk About Stuff: Anthropodermic Wallet

In a very special episode dedicated to The Yellow King Roleplaying Game, Ken and Robin talk time as a game mechanic, the Skin Affair, strange machinery in the Belle Epoque, and the Martinist magician Papus.



  • Ken and Robin Talk About Stuff

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Congress Sets Up Taxpayers to Eat $454 Billion of Wall Street’s Losses. Where Is the Outrage?

Congress Sets Up Taxpayers to Eat $454 Billion of Wall Street’s Losses. Where Is the Outrage?

By Pam Martens and Russ Martens: May 7, 2020 ~ Beginning on March 24 of this year, Larry Kudlow, the White House Economic Advisor, began to roll out the most deviously designed bailout of Wall Street in the history of America. After the Federal Reserve’s secret $29 trillion bailout of Wall Street from 2007 to 2010, and the exposure of that by a government audit and in-depth report by the Levy Economics Institute in 2011, Kudlow was going to have to come up with a brilliant strategy to sell another multi-trillion-dollar Wall Street bailout to the American people. The scheme was brilliant (in an evil genius sort of way) and audacious in employing an Orwellian form of reverse-speak. The plan to bail out Wall Street would be sold to the American people as a rescue of “Main Street.” It was critical, however, that all of the officials speaking to the … Continue reading

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U.S. Financial System “Monitor” Failed to Flash Warning as Fed Pumped $6 Trillion Emergency Liquidity into Wall Street

U.S. Financial System “Monitor” Failed to Flash Warning as Fed Pumped $6 Trillion Emergency Liquidity into Wall Street

By Pam Martens and Russ Martens: May 8, 2020 ~  The Office of Financial Research (OFR) was created under the Dodd-Frank financial reform legislation of 2010 to keep the Financial Stability Oversight Council (F-SOC) informed on emerging threats that have the potential to implode the financial system — as occurred in 2008 in the worst financial crash since the Great Depression. The Trump administration has gutted both its funding and staff. One of the early warning systems of an impending financial crisis that OFR was supposed to have created is the heat map above. Green means low risk; yellow tones mean moderate risk; while red tones flash a warning of a serious problem. On September 17, 2019, liquidity was so strained on Wall Street that the Federal Reserve had to step in and began providing hundreds of billions of dollars per week in repo loans. By January 27, 2020 (before … Continue reading

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March 2020 Wallpaper: In Like a Lion

Shaenon: I started this wallpaper illustration at the beginning of the month, and now it’s a nostalgic image of the days when people could gather in groups. Ha ha, the world’s gone mad and we’re all going to die. But[…]↓ Read the rest of this entry...




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April 2020 Wallpaper: Balcony Cats

Shaenon: My kid told me I should only draw cats, so I made this Florida Keys-themed wallpaper for him. As usual, if you make a donation in any amount to the Skin Horse Tip Jar, or contribute any amount to[…]↓ Read the rest of this entry...






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#31: Jamie Waylett and His Wallet




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The Wall

Absent an absurd turn of good luck at the Deus ex Machina level, the US could be a "no go zone" for the rest of the world soon.




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Complex money issues? Make it easy with Iban Wallet

No one is a stranger to financial challenges and problems. They tend to happen with people in different degrees and at separate points in time for that matter. We can unanimously agree that we need money to achieve many of our goals but also for financial independence at the same time.  When we refer to...

Keep Reading




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Sometimes You Just Need a New Wallet (And Other Life Lessons)

There’s a lot of financial advice out there – and some of it is really, really good. We like to think that we publish some of it. We like to think that some of it finds its way home to readers like you and is found helpful. But today, members of our contributing staff (who...

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Humans are surprisingly honest when it comes to returning lost wallets

Altruism is alive and well. So is the desire to protect one’s self-image.




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Mammals’ weird way of swallowing is at least 165 million years old

A new fossil find may help pinpoint the origins of mammals’ uber-flexible hyoid bone, which anchors the tongue and gives us our signature swallowing style.




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In a first, astronomers may have detected a black hole swallowing a neutron star

The LIGO and Virgo observatories appear to have picked up gravitational waves from a first-of-its-kind astronomical observation.




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Column: Trump, Don McGahn and DOJ stonewalled Congress. Look for the courts to set them right

The 'en banc' D.C. Circuit Court will determine whether a congressional subpoena can be enforced by the courts.




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Phoebe Waller-Bridge onstage in 'Fleabag': Your quarantine must-watch of the day

Phoebe Waller-Bridge takes her "Fleabag" character back to her stage roots. Here's how you can see a filmed performance.




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Unilever recalls Wall’s Mini Calippo multi-packs because they may contain small pieces of metal

Unilever is recalling Wall’s Mini Calippo (Orange and Lemon-Lime) multi-packs because they may contain small pieces of metal. The presence of metal makes this product unsafe to eat.




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RBS opposes internal firewalls

Although Royal Bank of Scotland is back in loss on a so-called statutory basis, having made the tiniest of profits in the final three months of last year, that doesn't really tell the story of what has been going on at this semi-nationalised bank.

For the record, the statutory attributable loss was £528m in the three months to March 31, compared with a profit of £12m in the last quarter of 2010 and a £248m loss in the first quarter of 2010.

But, as is par for the course with big, complex universal banks, these numbers do almost as much to obscure as to enlighten.

They are, for example, heavily influenced by changes in the valuation of debt sold by Royal Bank of Scotland to investors and of credit insurance bought from taxpayers in the form of the Asset Protection Scheme.

There was a loss of not far off £1bn on these items. Now it's moot whether it really enhances our understanding of Royal Bank of Scotland's performance that the value of these contracts - which can't be broken at a moment's notice - have moved against RBS.

More important, I think, is that operating profits of RBS's retail and commercial operations are almost a fifth better than a year ago at £1.9bn, though a little bit lower than in the fourth quarter of 2010.

The trend at RBS's global banking and markets business - what most would call its investment banking arm - was more volatile. Operating profits were £1.1bn in the latest period, double what was generated in the final quarter of 2010, but a third less than the bumper first three months of last year.

For the bank as a whole, the charge for debts going bad seems to be on an unambiguously declining trend, from £2.7bn in the first quarter of 2010, to £2.1bn in the final quarter of last year, and just under £2bn in the latest quarterly figures.

As for other important measures, RBS is succeeding in widening the gap between what it charges for credit and what it has to pay to borrow (good for shareholders, not always welcomed by customers) - and overheads appear to be under control.

So there is progress towards re-establishing RBS as thriving, growing business, which could prosper without the benefit of exceptional support from taxpayers - although that progress goes by fits and starts rather than in one giant leap (witness, as with Lloyds, a big increase in losses on lending to the troubled Irish economy).

What will perhaps spark some controversy is that the provision of credit to small businesses fell 7%. And, once again, RBS puts this down to a weakness of demand rather than a lack of any determination on its part to supply - but that doesn't enlighten on whether it's the unattractive borrowing terms on offer that puts off some potential business borrowers.

Also RBS has gone on the record for the first time with its opposition to the proposal from the Independent Banking Commission that internal firewalls should be erected inside giant banks such as RBS.

RBS says that the Independent Banking Commission's recommendation that universal banks like it should erect internal firewalls, or should put their retail and investment banking operations into separate insulated subsidiaries, are "likely to add to bank costs - impacting both customers and shareholders -without the safety gains that the broader Basel process is delivering" (the Basel process is the global negotiations on strengthening banks).

It is also striking that RBS signals that it isn't overjoyed at the unilateral decision made yesterday by Lloyds to chuck in the towel in the banks' legal battle against the regulators' judgement that they should make comprehensive restitution to those mis-sold PPI loan insurance. The banks says: "a decision on appeal of the court case...has not yet been made as it relates to important other issues of retrospective regulation".

As I've mentioned before, if RBS follows Lloyds's lead and offers a comprehensive PPI settlement, that would probably cost the bank a bit more than £1bn, about a third of the cost to Lloyds.

And if we're in the business of comparing the two partly nationalised mega banks, Lloyds and RBS, both still look some way from being in a fit state to see taxpayers' huge stakes privatised at a profit to all of us.

However if Lloyds entered the reporting season looking as though it was nearer to privatisation than RBS, their respective latest results probably show RBS inching forward a bit in that journey and Lloyds perhaps retreating slightly.




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#CapitalWalls: A Mural Tour of Albany’s Art

Where we’re at: I’m recapping my summer of 2019, including this tour in Albany in July. I realize for some this is a difficult time to read about travel. I am writing often about our current global crisis — the impact it’s having on me personally, on the world of travel, and on the world at […]
 




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Walliams swims for Sport Relief

Part of the Sport Relief promo for the BBC UK Homepage




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A Sandwich, A Wallet, and Elizabeth Taylor's Cousin

Being a Parable for the Edification of Independents Seeking Independence

THE PARABLE

THE OSTENSIBLE CUSTOMER enters a deli and saunters up to the counter. The deli is tended by its rakishly handsome owner, THE SANDWICH GUY.

"Hi," says The Sandwich Guy. "What looks good to you today?"

"Slow down," says The Ostensible Customer, as THE LUNCH RUSH starts trickling in. "Lots of delis want my business, so, first I need to really understand what you can do for me."

"Well," says The Sandwich Guy, "I guess I can try to do what I do for everybody here and make you a customized version of any of the 15 awesome sandwiches you see on my menu. What're you hungry for?"

"Easy, easy, Ricky Roma! Before I make any decisions here I'm going to need to know a lot more about my options. Why are you so obsessed with 'what I want?'"

"Okay, sorry," says The Sandwich Guy, uneasily eyeing the growing queue of The Lunch Rush now piling up behind The Ostensible Customer. "What else can I do to help here?"

"That's better," says The Ostensible Customer. "Let's start by sitting down for a couple hours and going over all the ingredients you have back there."

The Sandwich Guy laughs congenially and hands The Ostensible Customer a menu. "Friend, I can make you whatever you want, but, if it helps, the 15 sandwiches listed here show all the ingredients--right there between the name and the price..."

"Whoa, whoa, whoa! The price?!? Already you're reaching for my wallet? Jeez, I barely just arrived."

The Lunch Rush is getting restless and grumbling audibly.

"Well. You know. I do sell sandwiches for a living," says The Sandwich Guy. "Did you have a certain budget in mind for your lunch?"

"Oh, God, no. I'm nowhere near that point yet. I still need to learn a lot more about how you work, and so, obviously, I have no idea what I want to pay. Obviously."

"Okay," says The Sandwich Guy, "but...I can't do much for you here without knowing either what you want to eat or how much money you want to spend. You get that, right?"

The Ostensible Customer is miffed.

"Listen, here. What I 'get,' so-called Sandwich Guy, is that you're not going to rush me into some tricky lifetime sandwich commitment until I understand precisely who I'm working with. And, so far, I do not like what I see. Still. I intend to find out more. So, meet me in Canada tomorrow to talk about this for an hour."

The Lunch Rush begins waving their wallets as they lob their completed order forms at The Sandwich Guy's face.

"Sorry," says The Sandwich Guy. "I can't do that. How about I just make you a Reuben. It's really good, it's our most popular sandwich, and it only costs eight bucks."

"WHAT! EIGHT DOLLARS! 'Dollars' with a 'd?' That's way too much!"

"I thought you didn't have a budget," says The Sandwich Guy.

"Well, I don't. And, besides, I don't really 'need' a sandwich at all. Now, kindly fly to Canada."

"That's not going to happen, sir."

"Also," says The Ostensible Customer, "if I do decide to get a sandwich from you--and it's looking increasingly less likely that I will--I'll absolutely expect your deeply discounted price to reflect the fact that I'm not particularly hungry right now."

The Lunch Rush begins lighting torches and chanting a guttural chant, not unlike the haunting overtone singing of Tuvan herdsmen.

"Look," sighs The Sandwich Guy, "it sounds like you need a little more time. Here's a free Coke and a complimentary bowl of pickles. Please have a seat, take all the time you need, then just come on up whenever you're ready to order, okay?"

"‘READY?!?’ TO...‘ORDER?!?’ Are you out of your mind?"

"Mmmm...apparently."

Presently, The Ostensible Customer turns beet-red.

"This is an outrage! I can't even imagine how you stay in business when you treat your customers like this."

The Lunch Rush grows silent as The Sandwich Guy slowly leans over the counter and smiles--his nose one slice of corned beef from The Ostensible Customer's nose.

"Sir. First off: you aren't my customer yet. Right now, you're just some dude holding a bowl of free pickles."

"Buh?" fumbled The Ostensible Customer.

"And, second, the way I 'stay in business' is by making great sandwiches and having as few conversations like the one we're having as possible," The Sandwich Guy coos.

"Because, the truth is, my real customers are actually all those nice people standing behind you. They're the people who buy my sandwiches with real money over and over again. I really like them, and so I give them almost all of my attention."

The Sandwich Guy waves at The Lunch Rush. The Lunch Rush waves back. The Ostensible Customer looks stunned.

"Sir," says The Sandwich Guy "enjoy your Coke and your pickles with my compliments. But, please step aside. Because right now, there's a whole bunch of hungry people trying to buy sandwiches that won't require me flying to Canada. Next, please!"

The Lunch Rush roars approval. The Ostensible Customer is still stunned. Which is unfortunate.

Because, several men from the back of the line spontaneously rush forward to drag The Ostensible Customer, screaming and grasping, onto the busy sidewalk outside, where they proceed to devour his flesh like those street urchins who eat Elizabeth Taylor's cousin in Suddenly, Last Summer.

Meanwhile, The Sandwich Guy goes back to making sandwiches. And, The Lunch Rush goes back to eating them.

THE MORAL(S)?

  1. The Sandwich Guy can't do much for you until you're hungry enough to really want a sandwich.
  2. Once you're hungry enough, you still have to pay money for the sandwich. This won't not come up.
  3. Few people become "a good customer" without understanding both 1 and 2.
  4. Few companies become "a smart business" without understanding 1, 2, and 3.
  5. Basing his business on an understanding of 1, 2, 3, 4, and 5 doesn't make The Sandwich Guy a dick; it makes him a smart business.
  6. If you vacation with Elizabeth Taylor? Seriously. Avoid provoking the cannibalistic rent boys.

THE HOPE

Me? I just very much hope it takes you far less than 15 years to see and accept these sorts of things. Both as a customer and as a business.

Guys, avoid working for anyone who's not hungry enough to compensate you for your sandwich. It literally doesn't pay.

THE RESERVE READING

Tell them nicely that your price is a sucky $200K. The key here is to do so candidly, like you’re sitting on their side of the table and have to approve the budget with them. Admit that you’re way over the mark, and essentially apologize for it. I’ve said, “If you want to tell us to get lost, we understand”.

All those variables can change except your worth. That can’t change. It’s an undeniable fact beyond subjectivity and beyond the reality-bending rhetoric of your client-to-be. You are worth what you are worth and unless you’re feeling charitable something else has to give.

Within the first few minutes of contact — in my effort to be as open and detailed on how I work as possible — the client counteracted by lying about not having a budget to clearly having a budget.

Unspoken expectations unmet lead to seething unspoken frustration which ultimately bursts forth in an ugly mess when you’ve run out of budget.

Remember that client who said that we were “pretty expensive” for them? A qualifying question in the first phone call could have saved us many hours of working on this deal. If you decide that the deal is unqualified, you just save it under another bucket: the unqualified deals bucket.

A Sandwich, A Wallet, and Elizabeth Taylor's Cousin” was written by Merlin Mann for 43Folders.com and was originally posted on November 04, 2010. Except as noted, it's ©2010 Merlin Mann and licensed for reuse under CC BY-NC-ND 3.0. "Why a footer?"