Diego Segura

Customers who have not defaulted on their payments

typically enjoy far lower rates. Portfolio-wide, the average

APR of all of our customers is 13.55%. Among those who have not

been repriced, vast majority of accounts have rates below 20%,

and the average APR is only 11.46%.

Now, six months later, she's probably the most feared analyst on Wall Street. The rise in her status is truly sensational, and due, largely, to a single prediction. On Oct. 31, 2007, she was right, and the world was wrong.

How on earth does that happen? I can think of several possibilities.

1) Meredith Whitney is the only analyst on Wall Street... See more

the image maker of the future will probably be the person who has the most highly sought-after taste and always gets it right.

One person recently likened LVMH to me as a private equity firm with 40 percent carry rather than 20 percent carry. Not a bad deal.

Hong, 48, had no experience in luxury. She was, however, a Proenza Schouler customer, and had specific ideas about how to crystallise what the brand stood for.

“Inconsistency made it difficult to build a business.”

“My observation was that there was zig-zagging; an inconsistency,” she said. “Even as an outsider to this industry, I knew that... See more

And every step along this scripted way will you accumulate more bosses. More people with “guidance” for you, about how you can juice the numbers long enough to make it someone else’s problem to keep the air castle in the sky inflated and rising. But of course it isn’t just guidance, once you take the money. It’s a debt owed, with all the nagging... See more

One thing that could help us close that remaining gap is a carbon tax—something universal, fair, and relatively simple. Paired with positive incentives for renewables, a price on carbon creates a negative incentive to generate emissions. I recently tuned in to a training session from Citizens’ Climate Lobby, which made a strong case not just for... See more