Credit Rating and Required Rate of Return: Suppose you and Warren Buffett borrow money from a bank. The bank will assess your credit ratings differently. Maybe the bank could offer Warren Buffett a loan without interest since it can be advertised as a bank used by the renowned investor. However, it will likely charge you interest because you have a lower credit rating and less fame than Warren Buffett. The interest rate each borrower faces, based on their creditworthiness, is called the required rate of return for creditors. Under the same conditions, the cost of poverty is much higher for the poor than for the rich. Poverty inherently involves costs. - Joseph’s “just my thoughts”
If you think that ‘expressing love is all about love,’ your eyes will not be able to see the other person properly. If you haven’t truly contemplated love, you won’t have the ability to judge whether someone genuinely considers me. In this scenario, there is a high possibility that it will become one of those relationships where the other person is used to beg for affection or is deceived by coaxing . Thinking about love begins with clearly defining what it means to be human in one’s mind. If this premise is flawed, then the feeling of love can destroy the relationship between the two; people may end up blaming the lover. - Joseph’s “just my thoughts”