Flirting 101 with Professor Claire Novak

Make your availability known

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Psychologist Monica Moore, Ph.D., who works at Webster University in St. Louis, Miss., has spent a lot of time studying the way women flirt, and it’s more covert than you might imagine. According to Psychology Today, women in public settings send non-verbal cues to those that they’re interested in. Sometimes, they’re so subtle that Psychology Today says, “A man may think he’s making the first move because he is the one to literally move from wherever he is to the woman’s side, but usually he has been summoned.”

The more cues that are thrown out, the better the chances of scoring a mutual flirtation. Moore noted there are 52 behaviors that women use to get noticed, including glancing, primping, and licking her lips. Often times, the more shy and subtle behaviors women engage in are coupled with more overt shows of interest, like flirting with several people at once until one of them reciprocates at the same level of interest.

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Is it illegal to have a crush on your teacher?

It is definitely normal to have crushes on teachers. . If you’re having the urge to act on your crush or to let your teacher know, then that can be a problem. As you know, a relationship between you and your teacher is not possible. It is, in fact, illegal, for very good reasons.

How do I know if my professor is flirting?

Bodylanguage, prolonged eye contact, casual touching, teasing, special attention, are some of the indicators. As he is doing most of what I listed, he is definitely flirting with you in my opinion. But different people flirt for different reasons. Most will flirt because they feel attracted to you.

The Deferred Taxes Float Story

Berkshire owns marketable securities having market values far in excess of their acquisition prices. Taxes on gains realized on sale are payable only after the sale is made. If Buffett was to sell these securities, Berkshire would have to pay a very large tax bill. However, if he refuses to sell, and their market values continues to rise over time, then taxes not-due-but-which-would-have-been-due-if-he-had-sold-today would still need to be estimated and recorded as “deferred taxes” on Berkshire’s balance sheet. As of end 2011, these liability totaled to a staggering $ 38 billion.

For Berkshire, this $38 billion is also a form of float  – functional equivalent to an interest-free loan from the U.S. Treasury. Buffett explained this power of delayed taxes by giving a wonderful example in his 1989 letter:

“Imagine that Berkshire had only $1, which we put in a security that doubled by yearend and was then sold. Imagine further that we used the after-tax proceeds to repeat this process in each of the next 19 years, scoring a double each time. At the end of the 20 years, the 34% capital gains tax that we would have paid on the profits from each sale would have delivered about $13,000 to the government and we would be left with about $25,250. Not bad. If, however, we made a single fantastic investment that itself doubled 20 times during the 20 years, our dollar would grow to $1,048,576. Were we then to cash out, we would pay a 34% tax of roughly $356,500 and be left with about $692,000. The sole reason for this staggering difference in results would be the timing of tax payments.”

Is this “float” which appears as a liability on Berkshire’s balance sheet really worth its value as calculated by accountants? No, it isn’t. Just as was the case with insurance float, where fair value of the liability was much lower than its book value, Buffett explained:

“We would owe taxes of more than $1.1 billion were we to sell all of our securities at year-end market values. Is this $1.1 billion liability equal, or even similar, to a $1.1 billion liability payable to a trade creditor 15 days after the end of the year? Obviously not – despite the fact that both items have exactly the same effect on audited net worth, reducing it by $1.1 billion.

On the other hand, is this liability for deferred taxes a meaningless accounting fiction because its payment can be triggered only by the sale of stocks that, in very large part, we have no intention of selling? Again, the answer is no.

In economic terms, the liability resembles an interest-free loan from the U.S. Treasury that comes due only at our election…”

To summarize, neither the insurance float, nor the float represented by deferred taxes on the liability side of Berkshire’s balance sheet are worth their book values. In his “Owner’s Manual” Buffett explains this again:

“Berkshire has access to two low-cost, non-perilous sources of leverage that allow us to safely own far more assets than our equity capital alone would permit: deferred taxes and “float,” the funds of others that our insurance business holds because it receives premiums before needing to pay out losses. Both of these funding sources have grown rapidly and now total about $100 billion.

Better yet, this funding to date has often been cost-free. Deferred tax liabilities bear no interest. And as long as we can break even in our insurance underwriting the cost of the float developed from that operation is zero. Neither item, of course, is equity; these are real liabilities. But they are liabilities without covenants or due dates attached to them. In effect, they give us the benefit of debt – an ability to have more assets working for us – but saddle us with none of its drawbacks.”

As of the end of 2011, Berkshire’s balance sheet carries assets having an aggregate book value of $392 billion. About $100 billion of these assets have been financed by the best form of OPM which either costs Berkshire nothing (deferred taxes), or it pays Berkshire for having it (insurance float)!

For me, it’s very instructive to observe how Buffett has flirted with various kinds of floats throughout his career. The seductive appeal of free (or less-than-free) money is all too alluring. He explained the logic in his 1995 letter:

Any company’s level of profitability is determined by three items:  (1) what its assets earn; (2) what its liabilities cost; and (3) its utilization of “leverage” – that is, the degree to which its assets are funded by liabilities rather than by equity. Over the years, we have done well on Point 1, having produced high returns on our assets.  But we have also benefitted greatly – to a degree that is not generally well-understood – because our liabilities have cost us very little.  An important reason for this low cost is that we have obtained float on very advantageous terms.

Buffett hasn’t stopped looking for attractive floats. He once denounced derivatives as “financial weapons of mass destruction” but when he became aware that some of the esoteric derivative contracts could be a source of attractive float, he embraced them.

Teacher/ Professor Actions

Action Description Possible results from action Notes
Act Up Do something foolish to disrupt class Get a warning, be sent to principal/dean’s office, be insulted by teacher/professor
Compliment Give teacher/professor a compliment Have a higher-leveled relationship bar, be warned against complimenting school faculty, get a compliment back Getting a compliment back occurs if the appreciation level is at least 60%. This increases happiness by 16%. Getting warned against complimenting school faculty (on first try) or being told to stop complimenting the teacher (subsequent tries) occurs if the appreciation level is lower than 5%. This decreases happiness by 16%.
Disrespect Put down the teacher/professor and say rude things in their class Get a warning, be sent to principal/dean’s office, be insulted by teacher/professor
Flirt (college only) Flirt with your professor No consequences or rewards, but will show their appreciation at your gestures Despite being for college only, if you are in college but under 18, you cannot flirt because these are considered sexual actions and also sex with children is against the law.
Gift Give them a gift have them accept the gift, have them refuse the gift and/or be sent to the principal/dean’s office Having refused a gift decreases happiness by 8%.
Insult Insult the teacher/professor by calling them a bad name be insulted back, be sent to principal/dean’s office, get a warning Being insulted back does not decrease happiness.
Seduce (college only) Attempt to hook up with the professor Get rejected with a warning, get rejected and be expelled, have a hook-up with them Despite being for college only, if you are in college but under 18, you cannot seduce because sex with children is against the law.
Suck up Do a favor for the teacher or professor to get them to like your character Have a higher-leveled relationship bar, be called out as a brownnoser/obvious


An example of faculty staff.

An example of faculty staff.

Detention

If in the case the main character goes to detention, they can argue with the teacher, insult them or apologize for their actions. They can be suspended/expelled, given a warning or looking further into it.

If being given a warning, the scenario will show either of these strings:

  • He/she hopes you can understand how your poor choices affect you and those around you.
  • He/she tells you that you’re a real slacker.
  • He/she tells you to move forward cautiously.
  • He/she told you that you are skating on thin ice.

About this blog

This blog contains some of the things I found fascinating and worth sharing in my journey as a teacher and also as a value investor.

Check out my website at

Make her laugh

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Everyone appreciates a good sense of humor. But, as it turns out, a woman’s laughter has deeper significance than just the telling of a good joke. In a 1990 study called “The ritualization of laughter,” Karl Grammer and Irenaus Eibl-Eibesfeldt discovered that, when in mixed sex company, women tend to laugh more frequently than men do. The reason has to do with ingrained social dominance. 

According to the study, male sexual behavior is rooted in dominance, whereas female sexual behavior is often submissive. Grammer states, “Thus females, when they are together with males should show the higher degree of ritualization in laughter than males, because showing submissiveness is equal to solicitation when the male has a tendency to dominate the female.” The study also took into account same-sex couples, where laughter is more pronounced in male-male pairings because of the same sort of dominance. It concluded that women use laughter, particularly with men, to show their interest via social submission. So a good sense of humor really is that important, at least if you want to flirt successfully.

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