5 Percent Quotes

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Do you remember,” he said, “when we first met and I told you I was ninety percent sure putting a rune on you wouldn’t kill you—and you slapped me in the face and told me it was for the other ten percent?” Clary nodded. “I always figured a demon would kill me,” he said. “A rogue Downworlder. A battle. But I realized then that I just might die if I didn’t get to kiss you, and soon.” Clary licked her dry lips. “Well, you did,” she said. “Kiss me, I mean.” He reached up and took a curl of her hair between his fingers. He was close enough that she could feel the warmth of his body, smell his soap and skin and hair. “Not enough,” he said, letting her hair slip through his fingers. “If I kiss you all day every day for the rest of my life, it won’t be enough.
Cassandra Clare (City of Lost Souls (The Mortal Instruments, #5))
It's my special magical power. I can read your mind when you're thinking dirty thoughts." "So, ninety-five percent of the time." She craned her head back to look up at him. "Ninety-five percent? What's the other five percent?" "Oh, you know, the usual--demons I might kill, runes I need to learn, people who've annoyed me recently, people who've annoyed me not so recently, ducks." "Ducks?
Cassandra Clare (City of Lost Souls (The Mortal Instruments, #5))
Just remember you’re not alone here.” I never know what to say to that. I am actually alone in my head, and that’s where 90 plus percent of my problems are.
Martha Wells (Network Effect (The Murderbot Diaries, #5))
Something weird," Ben said. "You would think, with ninety-nine percent of us gone, the two percent would get along better." Um, that would be one percent, Parish.
Rick Yancey (The Infinite Sea (The 5th Wave, #2))
And spare me the jokes about scoring." "Dammit, woman, you read my mind," he said. "Is there no filthy wordplay you can't forsee?" "It's my special magical power. I can read your mind when you're thinking dirty thoughts." "So, ninety-five percent of the time.
Cassandra Clare (City of Lost Souls (The Mortal Instruments, #5))
Since 95 percent of the people are imitators and only 5 percent initiators, people are persuaded more by the actions of others than by any proof we can offer.
Robert B. Cialdini (Influence: The Psychology of Persuasion (Collins Business Essentials))
In most polls there are always about 5 percent of the people who 'don't know.' What isn't generally understood is that it's the same people in every poll.
George Carlin (Brain Droppings)
It takes twenty-one pounds of protein fed to a calf to produce a single pound of animal protein for humans. We get back less than 5 percent of what we put in.
Peter Singer (Animal Liberation)
During the shopping process, Amazon’s AI offers suggestions of items that it predicts you will want to buy. The AI does a reasonable job. However, it is far from perfect. In our case, the AI accurately predicts what we want to buy about 5 percent of the time. We actually purchase about one of every twenty items it recommends. Considering the millions of items on offer, that’s not bad!
Ajay Agrawal (Prediction Machines: The Simple Economics of Artificial Intelligence)
You still owe me a million dollars." I'd presented him with a bill for proving his innocence and getting him freed from prison. He had yet to pay. Couldn't imagine why. "Yeah, I was hoping we could work that out." "The interest alone is going to kill you." "What do you charge?" "Three hundred eighty-seven percent." "Is that ethical?" "It's as ethical as my dating the son of Satan.
Darynda Jones (Fifth Grave Past the Light (Charley Davidson, #5))
The truth is that the 143 million orphaned children and the 11 million who starve to death or die from preventable diseases and the 8.5 million who work as child slaves, prostitutes, or under other horrific conditions and the 2.3 million who live with HIV add up to 164.8 million needy children. And though at first glance that looks like a big number, 2.1 billion people on this earth proclaim to be Christians. The truth is that if only 8 percent of the Christians would care for one more child, there would not be any statistics left.
Katie Davis (Kisses from Katie)
If you read one book a week, starting at the age of 5, and live to be 80, you will have read a grand total of 3,900 books, a little over one-tenth of 1 percent of the books currently in print.
Lewis Buzbee (The Yellow-Lighted Bookshop: A Memoir, a History)
The small alien walked past the car. “CO2 level up 0.5 percent,” it rasped, giving him a meaningful look. “You do know you could find yourself charged with being a dominant species while under the influence of impulse-driven consumerism, don’t you?
Terry Pratchett (Good Omens: The Nice and Accurate Prophecies of Agnes Nutter, Witch)
Watching too much TV can triple our hunger for more possessions, while reducing our personal contentment by about 5 percent for every hour a day we watch.
David Niven
Data suggests family dramas bear a less than 10 percent resemblance to actual human families, which is unsurprising and also a relief, considering all the murders. In the dramas, not Mensah’s family.
Martha Wells (Network Effect (The Murderbot Diaries, #5))
Living with air pollution increases your odds of dying early by 5 percent. Living with obesity, 20 percent. Excessive drinking, 30 percent. And living with loneliness? It increases our odds of dying early by 45 percent.
Brené Brown (Braving the Wilderness: The Quest for True Belonging and the Courage to Stand Alone)
Feminists don’t single out rape jokes because rape is “worse” than other crimes—we single them out because we live in a culture that actively strives to shrink the definition of sexual assault; that casts stalking behaviors as romance; blames victims for wearing the wrong clothes, walking through the wrong neighborhood, or flirting with the wrong person; bends over backwards to excuse boys-will-be-boys misogyny; makes the emotional and social costs of reporting a rape prohibitively high; pretends that false accusations are a more dire problem than actual assaults; elects officials who tell rape victims that their sexual violation was “god’s plan”; and convicts in less than 5 percent of rape cases that go to trial.
Lindy West (Shrill: Notes from a Loud Woman)
Cutting through the roar of the wind, the goddess Nike screamed from the stables: “YOU CAN DO BETTER, STORM! GIVE ME A HUNDRED AND TEN PERCENT!
Rick Riordan (The Blood of Olympus (The Heroes of Olympus, #5))
Some researchers claim that emotional intelligence accounts for 75 percent of a person's success and perhaps that will be more true for the success of future artificial intelligence based cyborgs and other systems.
Amit Ray (Compassionate Artificial Superintelligence AI 5.0)
I never know what to say to that. I am actually alone in my head, and that's where 90 plus percent of my problems are.
Martha Wells (Network Effect (The Murderbot Diaries, #5))
Is it just a coincidence that as the portion of our income spent on food has declined, spending on health care has soared? In 1960 Americans spent 17.5 percent of their income on food and 5.2 percent of national income on health care. Since then, those numbers have flipped: Spending on food has fallen to 9.9 percent, while spending on heath care has climbed to 16 percent of national income. I have to think that by spending a little more on healthier food we could reduce the amount we have to spend on heath care.
Michael Pollan (In Defense of Food: An Eater's Manifesto)
You’re one-hundred percent responsible for your own happiness.
Penelope Douglas (Fire Night (Devil's Night, 4.5))
Thirty-nine percent of Americans will spend a year in the top 5 percent of the income distribution, 56 percent will find themselves in the top 10 percent, and 73 percent will spend a year in the top 20 percent.
Nassim Nicholas Taleb (Skin in the Game: Hidden Asymmetries in Daily Life (Incerto))
Hey, just be grateful I’m old. When an Arcadian first starts time-walking, we only have about a three percent chance of success. I once ended up on Pluto. (Sebastian) Are you serious? (Channon) They’re not kidding about it being the coldest planet. (Sebastian)
Sherrilyn Kenyon (Dragonswan (Were-Hunter, #0.5))
I can also be kind of an asshole. (“Kind of” = in the 70 percent–80 percent range.)
Martha Wells (Network Effect (The Murderbot Diaries, #5))
It’s my personal theory that only 27 percent of perceived confidence is actual confidence, and the rest is sham. The key is: If you can’t tell the difference, there is no difference.
Laini Taylor (Night of Cake & Puppets (Daughter of Smoke & Bone, #1.5))
In 1960, when a survey asked American adults whether it would “disturb” them if their child married a member of the other political party, no more than 5 percent of either party answered “yes.” But in 2010, 33 percent of Democrats and 40 percent of Republicans answered “yes.” In fact, partyism, as some call it, now beats race as the source of divisive prejudice.
Arlie Russell Hochschild (Strangers in Their Own Land: Anger and Mourning on the American Right)
Dammit, woman, you read my mind,“ he said. “Is there no filthy wordplay you can't foresee?" “It's my special magical power. I can read your mind when you're thinking dirty thoughts." “So, ninety-five percent of the time." She craned her head back to look up at him. “Ninety-five percent? What's the other five percent?" “Oh, you know, the usual demons I might kill, runes I need to learn, people who've annoyed me recently, people who've annoyed me not so recently, ducks.
Cassandra Clare (City of Lost Souls (The Mortal Instruments, #5))
Real social change is a process that takes place over time, usually quite a long time. At a given moment in history, 99 percent of a society may think and act one way on a certain matter, and only 1 percent think and act very differently. In time, that 1 percent may become 2 percent, then 5 percent, then 10, 20, 30 percent, until finally it becomes the dominant majority, and social change has taken place.
John C. Holt (Teach Your Own: The John Holt Book Of Homeschooling)
Where land was controlled by noblemen and/or the Church in other parts of Europe, in the province of Holland, circa 1500, only 5 percent of the land was owned by nobles, while peasants owned 45 percent of it.
Russell Shorto (Amsterdam: A History of the World's Most Liberal City)
The problem with small pressure vessels is CO2 toxicity. You can have all the oxygen in the world, but once the CO2 gets above 1 percent, you’ll start to get drowsy. At 2 percent, it’s like being drunk. At 5 percent, it’s hard to stay conscious. Eight percent will eventually kill you. Staying alive isn’t about oxygen, it’s about getting rid of CO2.
Andy Weir (The Martian: Stranded on Mars, one astronaut fights to survive)
In the U.S., the 400 richest people have as much as 185 million people, over 60 percent of the population. As absurd as that is, on a global scale, the richest 85 people have as much as 3.5 billion people, half of humanity!
Russell Brand (Revolution)
I’m not 100 percent certain, but I think my cup of coffee just said, “You’re my bitch.
Darynda Jones (Fifth Grave Past the Light (Charley Davidson, #5))
In fact this is precisely the logic on which the Bank of England—the first successful modern central bank—was originally founded. In 1694, a consortium of English bankers made a loan of £1,200,000 to the king. In return they received a royal monopoly on the issuance of banknotes. What this meant in practice was they had the right to advance IOUs for a portion of the money the king now owed them to any inhabitant of the kingdom willing to borrow from them, or willing to deposit their own money in the bank—in effect, to circulate or "monetize" the newly created royal debt. This was a great deal for the bankers (they got to charge the king 8 percent annual interest for the original loan and simultaneously charge interest on the same money to the clients who borrowed it) , but it only worked as long as the original loan remained outstanding. To this day, this loan has never been paid back. It cannot be. If it ever were, the entire monetary system of Great Britain would cease to exist.
David Graeber (Debt: The First 5,000 Years)
Altogether, 50 million curies of radiation were released by the Chernobyl explosion, the equivalent of 500 Hiroshima bombs. All that was required for such catastrophic fallout was the escape of less than 5 percent of the reactor’s nuclear fuel. Originally it had contained more than 250 pounds of enriched uranium—enough to pollute and devastate most of Europe. And if the other three reactors of the Chernobyl power plant had been damaged by the explosion of the first, then hardly any living and breathing organisms would have remained on the planet.
Serhii Plokhy (Chernobyl: History of a Tragedy)
The most accurate measurements to date reveal dark energy as the most prominent thing in town, currently responsible for 68 percent of all the mass-energy in the universe; dark matter comprises 27 percent, with regular matter comprising a mere 5 percent.
Neil deGrasse Tyson (Astrophysics for People in a Hurry (Astrophysics for People in a Hurry Series))
But as incentives go, commissions are tricky. First of all, a 6 percent real-estate commission is typically split between the seller’s agent and the buyer’s. Each agent then kicks back roughly half of her take to the agency. Which means that only 1.5 percent of the purchase price goes directly into your agent’s pocket. So on the sale of your $300,000 house, her personal take of the $18,000 commission is $4,500. Still not bad, you say. But what if the house was actually worth more than $300,000? What if, with a little more effort and patience and a few more newspaper ads, she could have sold it for $310,000? After the commission, that puts an additional $9,400 in your pocket. But the agent’s additional share—her personal 1.5 percent of the extra $10,000—is a mere $150. If you earn $9,400 while she earns only $150, maybe your incentives aren’t aligned after all.
Steven D. Levitt (Freakonomics: A Rogue Economist Explores the Hidden Side of Everything)
Over 99 percent of all species that ever lived are now extinct.
Neil Shubin (Your Inner Fish: a Journey into the 3.5-Billion-Year History of the Human Body)
only between 5 percent and 20 percent of forcible rapes in the United States are reported to the police; a paltry 0.4 percent to 5.4 percent of rapes are ever prosecuted; and just 0.2 percent to 2.8 percent of forcible rapes culminate in a conviction that includes any time in jail for the assailant. Here’s another way to think about these numbers: When an individual is raped in this country, more than 90 percent of the time the rapist gets away with the crime. —
Jon Krakauer (Missoula: Rape and the Justice System in a College Town)
History has shown that when approximately 3.5 percent of the population participates in nonviolent protest, success becomes inevitable.102 No nonviolent protest has ever failed to achieve its aims once it reached that threshold of participation. In the UK, this would be 2.3 million people. In the United States, 11 million.
Christiana Figueres (The Future We Choose: Surviving the Climate Crisis)
Some animal rights activists are demanding vegetarianism, even veganism now, or nothing. But since only 4 or 5 percent of Americans claim to be vegetarians, 'nothing' is the far more likely outcome. I ask these activists to weigh the horrors of Bladen County's industrial farms and the Tar Heel slaughterhouse against the consequences of doing nothing to alleviate the hour-to-hour sufferings of its victims. Is not a life lived off the factory farm and a death humanely inflicted superior to the terrible lives we know they lead and the horrible deaths we know they suffer in Bladen County today?
Steven M. Wise (An American Trilogy: Death, Slavery, and Dominion on the Banks of the Cape Fear River)
The United States imprisons a higher portion of its population than any country in the world. In 2017 we had 2.2 million people in prisons and jails, a 500 percent increase over the last forty years. We now have almost 5 percent of the world’s population and nearly a quarter of its prisoners.
Shane Bauer (American Prison: A Reporter's Undercover Journey into the Business of Punishment)
I'm pointing out you've been missed. Being present is one hundred percent more meaningful than being there in spirit.
Penny Reid (Happily Ever Ninja (Knitting in the City, #5))
Life is ten percent what happens to you; ninety percent is how you react to it. I chose not to engage.
R. Scarlett (Filthy Gods (American Gods, #0.5))
On the shows I liked best, monsters were always a possibility in these situations, but in reality it only happened around 27 percent of the time. Also a joke. Mostly.
Martha Wells (Network Effect (The Murderbot Diaries, #5))
Of the little less than a million eligibles roaming around, 5 percent don't know their sign and don't even care. Another 5 percent are tied to their mothers by a food fixation. That leaves only 20 percent who are searching for a girl who will pick up their clothes, run their baths, burn her fingers shelling their three-minute eggs, run their errands, bear them a child every year, look like a fashion model, tend their needs when they are sick, and hold down a full-time job outside the home to make payments on their boat.
Erma Bombeck (Family - The Ties That Bind...And Gag!)
Again, women who experienced childhood trauma are 80 percent more likely to experience painful endometriosis.[4] They’re much more likely to develop premenstrual dysphoric disorder. More likely to develop fibroids.[5] It may affect fertility.[6] They’re at greater risk for postpartum depression[7] and depression in menopause.[8]
Stephanie Foo (What My Bones Know: A Memoir of Healing from Complex Trauma)
if we consider the total growth of the US economy in the thirty years prior to the crisis, that is, from 1977 to 2007, we find that the richest 10 percent appropriated three-quarters of the growth. The richest 1 percent alone absorbed nearly 60 percent of the total increase of US national income in this period. Hence for the bottom 90 percent, the rate of income growth was less than 0.5 percent per year.
Thomas Piketty (Capital in the Twenty-First Century)
Jesus’ ministry lasted 1,350 days, spanning five calendar years (AD 29–33), fifty calendar months, and 44.36 months (calculated as being of 30.5 days’ average duration). The gospels have gaps in their narratives in which Jesus disappears from the pages of history. The gaps total 770 days, which is about two years, representing fifty-seven percent of Jesus’ total ministry time. No wonder John wrote “Jesus did many other signs in the presence of the disciples, which are not written in this book” (John 20:30) and “There are many more things that Jesus did. If all of them were written down, I suppose that not even the world itself would have space for the books that would be written” (John 21:25).
James Allen Moseley
In Los Angeles, for example, blacks commit 42 percent of all robberies and 34 percent of all felonies, though they are 10 percent of the city’s population. Whites commit 5 percent of all robberies and 13 percent of all felonies, though they are 29.4 percent of the city’s population.
Heather Mac Donald (The War on Cops: How the New Attack on Law and Order Makes Everyone Less Safe)
A direct appeal to our pro-gun base has served us well over the years. ‘Anti-gun nuts seeking to repeal the Second Amendment’ resonates well with gun owners. About twenty-five to thirty percent of the population is on our side from the minute we scream ‘they’re coming for our guns . . .
Mark M. Bello (Betrayal High (Zachary Blake Legal Thriller, #5))
that—in which case the weather would get much hotter, with a ninety percent chance of fiery apocalypse.
Rick Riordan (The Blood of Olympus (The Heroes of Olympus, #5))
For three decades almost all the gains from economic growth have gone to the top. In the 1960s and 1970s, the wealthiest 1 percent of Americans got 9–10 percent of our total income. By 2007, just before the Great Recession, that share had more than doubled, to 23.5 percent. Over the same period the wealthiest one-tenth of 1 percent tripled its share. We haven’t experienced this degree of concentrated wealth since the Gilded Age of the late nineteenth century.
Robert B. Reich (Beyond Outrage: Expanded Edition: What has gone wrong with our economy and our democracy, and how to fix it)
Beckett Rush spotted in London Saturday. 'Tinseltown's It Boy reportedly had three dates with three different girls at La Trattoria... all over the course of six hours. Two ladies discovered the duplicity, and catfight broke out. Taylor Risdale broke up the fight before storming out. Beckett's camp could not be reached at the moment.'" Mr. Rush laughed. "You know what this means, right?" "That once again my name is trashed." "That your DVD sales will spike at least 5 percent.
Jenny B. Jones (There You'll Find Me)
FACT 228: In Japan, suicide resulting from overwork, or karojisatsu, is an officially recognized and compensated occupational hazard. By some estimates, 5 percent of all suicides in Japan are "company related." "Where's Hiro? He's supposed to lead this meeting." "He killed himself, sir." "Ah, dedication. I like it. Give him a raise.
Cary McNeal (1,001 Facts that Will Scare the S#*t Out of You: The Ultimate Bathroom Reader)
He's always checking out your arse." Kevin's laugh died on it's way up his throat. "Are you serious? Shit, I need to work on my gaydar." "No, you don't." Cedric folded his arms over his chest. "I'm gay and I want you. That's all you need to know.
Taylor V. Donovan (60 Percent Proof (By Degrees, #1.5))
Most violent criminals are impulsive, disorganized, and easily caught. The vast majority of homicides are committed by people known to the victim and, despite game attempts to throw off the police, these offenders are usually identified and arrested. It’s a tiny minority of criminals, maybe 5 percent, who present the biggest challenge—the ones whose crimes reveal preplanning and unremorseful rage.
Michelle McNamara (I'll Be Gone in the Dark: One Woman's Obsessive Search for the Golden State Killer)
The American Society of Civil Engineers estimates that the United States would have to spend $3.6 trillion more than currently budgeted just to bring our infrastructure up to acceptable levels by 2020.95 China and India are spending almost 10 percent of GDP on infrastructure; Europe, around 5 percent.96 Even Mexico spends just over 3 percent.97 The United States has not broken 3 percent once since the mid-1970s.98
Jacob S. Hacker (American Amnesia: How the War on Government Led Us to Forget What Made America Prosper)
Ethan Nadelmann, one of the leading drug reformers in the United States, had explained: "People overdose because [under prohibition] they don't know if the heroin is 1 percent or 40 percent...Just imagine if every time you picked up a bottle of wine, you didn't know whether it was 8 percent alcohol or 80 percent alcohol [or] if every time you took an aspirin, you didn't know if it was 5 milligrams or 500 milligrams.
Johann Hari (Chasing the Scream: The First and Last Days of the War on Drugs)
If you keep a $495 car payment throughout your life, which is “normal,” you miss the opportunity to save that money. If you invested $495 per month from age twenty-five to age sixty-five, a normal working lifetime, in the average mutual fund averaging 12 percent (the eighty-year stock market average), you would have $5,881,799.14 at age sixty-five. Hope you like the car!
Dave Ramsey (The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness)
There’s a popular, potent story right now that says success is a straight line from the right school to the right college to the right internship to the right grad school to your chosen profession.” “Raise your hand if this is the path that you took.” About 5 percent of the hands went up. “That’s right,” she said. “In any group of people only 1–10 percent have taken a straight trajectory. The much more common route is circuitous.
Julie Lythcott-Haims (How to Raise an Adult: Break Free of the Overparenting Trap and Prepare Your Kid for Success)
But last night, when you practically hid under our table the second Scott walked in? And then his disappearing act right after yours?" Jay nodded, grinning slyly. "That's when I knew with almost a hundred percent certainty. My best bud, Taddy, was getting himself some dick.
Kora Knight (Bringing It Home (Up-Ending Tad: A Journey of Erotic Discovery, #5))
It wasn't a foolproof method but it was 90 percent effective. (Foolproof is another weird word. Shouldn't it be smartproof? It's not like you're going to breach and seize control of a ship attached to a space dock by tripping or forgetting to bring your weapon or something.)
Martha Wells (Network Effect (The Murderbot Diaries, #5))
golden rules for career success 1 Specialize in a very small niche; develop a core skill 2 Choose a niche that you enjoy, where you can excel and stand a chance of becoming an acknowledged leader 3 Realize that knowledge is power 4 Identify your market and your core customers and serve them best 5 Identify where 20 percent of effort gives 80 percent of returns 6 Learn from the best 7 Become self-employed early in your career 8 Employ as many net value creators as possible 9 Use outside contractors for everything but your core skill 10 Exploit capital leverage
Richard Koch (The 80/20 Principle: The Secret to Achieving More with Less)
Mandatory minimum sentences for drug offenses are the primary reason that the U.S. prison population has ballooned since the 1980s to over 2.5 million people, a nearly 300 percent increase. We now lock up one out of every hundred adults, far more than any other country in the world.
Piper Kerman (Orange Is the New Black: My Year in a Women's Prison)
Frank had turned into a giant eagle to fly to Delos, but Leo hitched a ride with Hazel on Arion’s back. No offense to Frank, but after the fiasco at Fort Sumter, Leo had become a conscientious objector to riding giant eagles. He had a one hundred percent failure rate. They found the island deserted, maybe because the seas were too choppy for the tourist boats. The windswept hills were barren except for rocks, grass, and wildflowers—and, of course, a bunch of crumbling temples. The rubble was probably very impressive, but ever since Olympia, Leo had been on ancient ruins overload. He was so done with white marble columns. He wanted to get back to the U.S., where the oldest buildings were the public schools and Ye Olde McDonald’s.
Rick Riordan (The Blood of Olympus (The Heroes of Olympus, #5))
the Polish Institute of National Memory estimates that there were some 5.5 million wartime deaths in the country, of which about 3 million were Jews. In total, some 20 percent of the Polish population, one in five people, did not survive.
Anne Applebaum (Iron Curtain: The Crushing of Eastern Europe, 1944-1956)
Loose diagnosis is causing a national drug overdose of medication. Six percent of our people are addicted to prescription drugs, and there are now more emergency room visits and deaths due to legal prescription drugs than to illegal street drugs.6
Allen Frances (Saving Normal: An Insider's Revolt Against Out-Of-Control Psychiatric Diagnosis, DSM-5, Big Pharma, and the Medicalization of Ordinary Life)
Remember that the plant wants to eat you,” the groundskeeper said. “It’s not going to let you get away. Don’t fight it. Let yourself be eaten.” “Don’t take this the wrong way, but I’m finding your advice to be less than one hundred percent helpful,
John Scalzi (The Human Division (Old Man's War, #5))
Old measures of health not only have failed to improve significantly but have stayed the same: some have even worsened. Mainstream newspapers and magazines often report disease in an ethnocentric manner that shrouds its true cost among African Americans. For example, despite the heavy emphasis on genetic ailments among blacks, fewer than 0.5 percent of black deaths—that’s less than one death in two hundred—can be attributed to hereditary disorders such as sickle-cell anemia. A closer look at the troubling numbers reveals that blacks are dying not of exotic, incurable, poorly understood illnesses nor of genetic diseases that target only them, but rather from common ailments that are more often prevented and treated among whites than among blacks.
Harriet A. Washington (Medical Apartheid: The Dark History of Medical Experimentation on Black Americans from Colonial Times to the Present)
Deep spirit scanning,” Eisfanger says. His voice has a strange resonance to it, like I’m hearing him through a bad phone connection. “Don’t worry, it’s completely safe. Well, mostly.” “Mostly?” “Side effects have been documented,” he admits. “In a very small percentage of cases. Less than two percent.” “What kind of side effects?” Suddenly I’m feeling nauseous. Feels like the ants are crawling around inside me now, which is exactly as disturbing as it sounds. “Memory loss. Synesthesia. And occasionally … vestigial growths.” “So I could forget my own name, start smelling purple everywhere and have an extra nipple sprout from my forehead?
D.D. Barant (Back from the Undead (The Bloodhound Files, #5))
A survey was conducted in 1995 asking the following question: “Would you close your eyes for a second, envision a drug user, and describe that person to me?” The startling results were published in the Journal of Alcohol and Drug Education. Ninety-five percent of respondents pictured a black drug user, while only 5 percent imagined other racial groups.39 These results contrast sharply with the reality of drug crime in America. African Americans constituted only 15 percent of current drug users in 1995, and they constitute roughly the same percentage today. Whites constituted the vast majority of drug users then (and now), but almost no one pictured a white person when asked to imagine what a drug user looks like. The same group of respondents also perceived the typical drug trafficker as black.
Michelle Alexander (The New Jim Crow: Mass Incarceration in the Age of Colorblindness)
It is a fact that fewer than 10 percent of Germany’s population of 79.7 million people actively worked or campaigned to bring about Hitler’s change.17 Even at the height of its power in 1945, the Nazi political party boasted only 8.5 million members.
Andy Andrews (How Do You Kill 11 Million People?: Why the Truth Matters More Than You Think)
It goes something like this: I am one person among 6.5 billion people on Earth at the moment. That's one person among 6,500,000,000 people. That'a lot of Wembley Stadiums full of people, and even more double-decker buses (apparently the standard British measurements for size). And we live on an Earth that is spinning at 67,000 miles an hour through space around a sun that is the centre of our solar system (and our solar system is spinning around the centre of the Milky Way at 530,000 mph). Just our solar system (which is a tiny speck within the entire universe) is very big indeed. If Earth was a peppercorn and Jupiter was a chestnut (the standard American measurements), you'd have to place them 100 metres apart to get a sense of the real distance between us. And this universe is only one of many. In fact, the chances are that there are many, many more populated Earths - just like ours - in other universes. And that's just space. Have a look at time, too. If you're in for a good run, you may spend 85 years on this Earth. Man has been around for 100,000 years, so you're going to spend just 0.00085 percent of man's history living on this Earth. And Man's stay on Earth has been very short in the context of the life of the Earth (which is 4.5 billion years old): if the Earth had been around for the equivalent of a day (with the Big Bang kicking it all off at midnight), humans didn't turn up until 11.59.58 p.m. That means we've only been around for the last two seconds. A lifetime is gone in a flash. There are relatively few people on this Earth that were here 100 years ago. Just as you'll be gone (relatively) soon. So, with just the briefest look at the spatial and temporal context of our lives, we are utterly insignificant. As the Perspective Machine lifts up so far above the woods that we forget what the word means, we see just one moving light. It is beautiful. A small, gently glowing light. It is a firefly lost somewhere in the cosmos. And a firefly - on Earth - lives for just one night. It glows beautifully, then goes out. And up there so high in our Perspective Machine we realize that our lives are really just like that of the firefly. Except the air is full of 6.5 billion fireflies. They're glowing beautifully for one night. Then they are gone. So, Fuck It, you might as well REALLY glow.
John C. Parkin (F**k It: The Ultimate Spiritual Way)
But in dozens and dozens of studies, Latham and Locke found that setting goals increased performance and productivity 11 to 25 percent.5 That’s quite a boost. If an eight-hour day is our baseline, that’s like getting two extra hours of work simply by building a mental frame (aka a goal) around the activity. But not every goal is the same. “We found that if you want the largest increase in motivation and productivity,” says Latham, “then big goals lead to the best outcomes. Big goals significantly outperform small goals, medium-sized goals, and vague goals. It comes down to attention and persistence—which are two of the most important factors in determining performance. Big goals help focus attention, and they make us more persistent. The result is we’re much more effective when we work, and much more willing to get up and try again when we fail.
Peter H. Diamandis (Bold: How to Go Big, Create Wealth and Impact the World (Exponential Technology Series))
Every subject is much easier than the people who wish to make money teaching it would have you know. So, for every single subject that can be systematized, there is a systematization that allows you to get 80% percent of the power with probably 5 or 10% of the effort. So the key question is that you have to prove that you have the superpower to rearrange the subject, to disintermediate the people who get paid for teaching it – which will always push you towards mastery, which is a question of getting the last 2 or 3% out of the system. And so the good news is that you can rearrange any subject to learn most of it very, very quickly. The bad news is that it will feel terrible because you will be told that you are doing the wrong thing and dooming yourself to a life of mediocrity as a jack of many trades, master of none – but in fact, the problem is that the jack of one trade is the connector of none. Good luck!
Eric R. Weinstein
Today, in what Harvey Mansfield calls our "gender-neutral" society," there are no social norms. Eight decades after the Titanic, a German-built ferry en route from Estonia to Sweden sank in the Baltic Sea. Of the 1,051 passengers, only 139 lived to tell the tale. But the distribution of the survivors was very different from that of the Titanic. Women and children first? No female under fifteen or over sixty-five made it. Only 5 percent of all women passengers lived. The bulk of the survivors were young men. Forty-three percent of men aged 20 to 24 made it.
Mark Steyn (After America: Get Ready for Armageddon)
According to Japanese scholar Yuki Tanaka, the United States firebombed over a hundred Japanese cities. Destruction reached 99.5 percent in the city of Toyama, driving Secretary of War Henry Stimson to tell Truman he "did not want to have the US get the reputation of outdoing Hitler in atrocities," though Stimson did almost nothing to halt the slaughter. He had managed to delude himself into believing Arnold's promise that he would limit "damage to civilians." Future Defense Secretary Robert S. McNamara, who was on LeMay's staff in 1945, agreed with his boss's comment that of the United States lost the war, they'd all be tried as war criminals and deserved to be convicted. Hatred towards the Japanese ran so deep that almost no one objected to the mass slaughter of civilians.
Oliver Stone (The Untold History of The United States)
The organization of the camps in the east revealed a contempt for life, the life of Slavs and Asians and Jews anyway, that made such mass starvation thinkable. In German prisoner-of-war camps for Red Army soldiers, the death rate over the course of the war was 57.5 percent. In the first eight months after Operation Barbarossa, it must have been far higher. In German prisoner-of-war camps for soldiers of the western Allies, the death rate was less than five percent. As many Soviet prisoners of war died on a single given day in autumn 1941 as did British and American prisoners of war over the course of the entire Second World War. pp. 181-182
Timothy Snyder (Bloodlands: Europe Between Hitler and Stalin)
Test Ideal level • fasting blood glucose less than 95 milligrams per deciliter (mg/dL) • fasting insulin below 8 µIU/ml (ideally, below 3) • hemoglobin A1C 4.8 to 5.4 percent • fructosamine 188 to 223 µmol/L • homocysteine 8µmol/L or less • vitamin D 80 ng/mL • C-reactive protein 0.00 to 3.0 mg/L • gluten sensitivity test with Cyrex array 3 test
David Perlmutter (Grain Brain: The Surprising Truth about Wheat, Carbs, and Sugar--Your Brain's Silent Killers)
Suppose you were to total up all the wars over the past two hundred years that occurred between very large and very small countries. Let’s say that one side has to be at least ten times larger in population and armed might than the other. How often do you think the bigger side wins? Most of us, I think, would put that number at close to 100 percent. A tenfold difference is a lot. But the actual answer may surprise you. When the political scientist Ivan Arreguin-Toft did the calculation a few years ago, what he came up with was 71.5 percent. Just under a third of the time, the weaker country wins. Arreguin-Toft then asked the question slightly differently. What happens in wars between the strong and the weak when the weak side […] refuses to fight the way the bigger side wants to fight, using unconventional or guerilla tactics? The answer: in those cases, the weaker party’s winning percentage climbs from 28.5 percent to 63.6 percent. To put that in perspective, the United Stats’ population is ten times the size of Canada’s. If the two countries went to war and Canada chose to fight unconventionally, history would suggest that you ought to put your money on Canada.
Malcolm Gladwell (David and Goliath: Underdogs, Misfits, and the Art of Battling Giants)
Here we come to the central question of this book: What, precisely, does it mean to say that our sense of morality and justice is reduced to the language of a business deal? What does it mean when we reduce moral obligations to debts? What changes when the one turns into the other? And how do we speak about them when our language has been so shaped by the market? On one level the difference between an obligation and a debt is simple and obvious. A debt is the obligation to pay a certain sum of money. As a result, a debt, unlike any other form of obligation, can be precisely quantified. This allows debts to become simple, cold, and impersonal-which, in turn, allows them to be transferable. If one owes a favor, or one’s life, to another human being-it is owed to that person specifically. But if one owes forty thousand dollars at 12-percent interest, it doesn’t really matter who the creditor is; neither does either of the two parties have to think much about what the other party needs, wants, is capable of doing-as they certainly would if what was owed was a favor, or respect, or gratitude. One does not need to calculate the human effects; one need only calculate principal, balances, penalties, and rates of interest. If you end up having to abandon your home and wander in other provinces, if your daughter ends up in a mining camp working as a prostitute, well, that’s unfortunate, but incidental to the creditor. Money is money, and a deal’s a deal. From this perspective, the crucial factor, and a topic that will be explored at length in these pages, is money’s capacity to turn morality into a matter of impersonal arithmetic-and by doing so, to justify things that would otherwise seem outrageous or obscene. The factor of violence, which I have been emphasizing up until now, may appear secondary. The difference between a “debt” and a mere moral obligation is not the presence or absence of men with weapons who can enforce that obligation by seizing the debtor’s possessions or threatening to break his legs. It is simply that a creditor has the means to specify, numerically, exactly how much the debtor owes.
David Graeber (Debt: The First 5,000 Years)
nothing may travel faster than the speed of light. Because of the equivalence of energy and mass, the energy which an object has due to its motion will add to its mass. In other words, it will make it harder to increase its speed. This effect is only really significant for objects moving at speeds close to the speed of light. For example, at 10 percent of the speed of light an object’s mass is only 0.5 percent more than normal, while at 90 percent of the speed of light it would be more than twice its normal mass. As an object approaches the speed of light, its mass rises ever more quickly, so it takes more and more energy to speed it up further. It can in fact never reach the speed of light, because by then its mass would have become infinite, and by the equivalence of mass and energy, it would have taken an infinite amount of energy to get it there. For this reason, any normal object is forever confined by relativity to move at speeds slower than the speed of light. Only light, or other waves that have no intrinsic mass, can move at the speed of light.
Stephen Hawking (A Brief History of Time)
In a modern twist to the classic overeating experiments, Feltham decided that he would eat 5794 calories per day and document his weight gain. But the diet he chose was not a random 5794 calories. He followed a low-carbohydrate, high-fat diet of natural foods for twenty-one days. Feltham believed, based on clinical experience, that refined carbohydrates, not total calories, caused weight gain. The macronutrient breakdown of his diet was 10 percent carbohydrate, 53 percent fat and 37 percent protein. Standard calorie calculations predicted a weight gain of about 16 pounds (7.3 kilograms). Actual weight gain, however, was only about 2.8 pounds (1.3 kilograms). Even more interesting, he dropped more than 1 inch (2.5 centimeters) from his waist measurement. He gained weight, but it was lean mass.
Jason Fung (The Obesity Code: Unlocking the Secrets of Weight Loss (Why Intermittent Fasting Is the Key to Controlling Your Weight) (The Code Series Book 1))
α = r × β where r is the rate of return on capital. For example, if β = 600% and r = 5%, then α = r × β = 30%.13 In other words, if national wealth represents the equivalent of six years of national income, and if the rate of return on capital is 5 percent per year, then capital’s share in national income is 30 percent. The formula α = r × β is a pure accounting identity. It can be applied to all societies in all periods of history, by definition. Though tautological, it should nevertheless be regarded as the first fundamental law of capitalism, because it expresses a simple, transparent relationship among the three most important concepts for analyzing the capitalist system: the capital/income ratio, the share of capital in income, and the rate of return on capital. The rate of return on capital is a central concept in
Thomas Piketty (Capital in the Twenty-First Century)
the International Monetary Fund basically acted as the world’s debt enforcers—“You might say, the high-finance equivalent of the guys who come to break your legs.” I launched into historical background, explaining how, during the ’70s oil crisis, OPEC countries ended up pouring so much of their newfound riches into Western banks that the banks couldn’t figure out where to invest the money; how Citibank and Chase therefore began sending agents around the world trying to convince Third World dictators and politicians to take out loans (at the time, this was called “go-go banking”); how they started out at extremely low rates of interest that almost immediately skyrocketed to 20 percent or so due to tight U.S. money policies in the early ’80s; how, during the ’80s and ’90s, this led to the Third World debt crisis; how the IMF then stepped in to insist that, in order to obtain refinancing, poor countries would be obliged to abandon price supports on
David Graeber (Debt: The First 5,000 Years)
If we are going to create a financial system that works for all Americans, we have got to stop financial institutions from ripping off the American people by charging sky-high interest rates and outrageous fees. In my view, it is unacceptable that Americans are paying a $4 or $5 fee each time they go to the ATM. It is unacceptable that millions of Americans are paying credit card interest rates of 20 or 30 percent. The Bible has a term for this practice. It’s called usury. And in The Divine Comedy, Dante reserved a special place in the Seventh Circle of Hell for those who charged people usurious interest rates. Today, we don’t need the hellfire and the pitch forks, we don’t need the rivers of boiling blood, but we do need a national usury law.
Bernie Sanders (Our Revolution: A Future to Believe In)
In 1980, the compensation of the average chief executive officer was forty-two times that of the average worker; by the year 2004, the ratio had soared to 280 times that of the average worker (down from an astonishing 531 times at the peak in 2000). Over the past quarter-century, CEO compensation measured in current dollars rose nearly sixteen times over , while the compensation of the average worker slightly more than doubled. Measured in real(1980) dollars, however, the compensation of the average worker rose just 0.3 percent per year, barely enough to maintain his or her standard of living. Yet CEO compensation rose at a rate of 8.5 percent annually, increasing by more than seven times in real terms during the period. The rationale was that these executives had "created wealth" for their shareholders. But were CEOs actually creating value commensurate with this huge increase in compenstion? Certainly the average CEO was not. In real terms, aggregate corporate profits grew at an annual rate of just 2.9 percent, compared to 3.1 percent for our nation's economy, as represented by the Gross Domestic Product. How that somewhat dispiriting lag can drive average CEO compensation to a cool 9.8 million in 2004 is one of the great anomalies of the age.
John C. Bogle
A few months ago on a school morning, as I attempted to etch a straight midline part on the back of my wiggling daughter's soon-to-be-ponytailed blond head, I reminded her that it was chilly outside and she needed to grab a sweater. "No, mama." "Excuse me?" "No, I don't want to wear that sweater, it makes me look fat." "What?!" My comb clattered to the bathroom floor. "Fat?! What do you know about fat? You're 5 years old! You are definitely not fat. God made you just right. Now get your sweater." She scampered off, and I wearily leaned against the counter and let out a long, sad sigh. It has begun. I thought I had a few more years before my twin daughters picked up the modern day f-word. I have admittedly had my own seasons of unwarranted, psychotic Slim-Fasting and have looked erroneously to the scale to give me a measurement of myself. But these departures from my character were in my 20s, before the balancing hand of motherhood met the grounding grip of running. Once I learned what it meant to push myself, I lost all taste for depriving myself. I want to grow into more of a woman, not find ways to whittle myself down to less. The way I see it, the only way to run counter to our toxic image-centric society is to literally run by example. I can't tell my daughters that beauty is an incidental side effect of living your passion rather than an adherence to socially prescribed standards. I can't tell my son how to recognize and appreciate this kind of beauty in a woman. I have to show them, over and over again, mile after mile, until they feel the power of their own legs beneath them and catch the rhythm of their own strides. Which is why my parents wake my kids early on race-day mornings. It matters to me that my children see me out there, slogging through difficult miles. I want my girls to grow up recognizing the beauty of strength, the exuberance of endurance, and the core confidence residing in a well-tended body and spirit. I want them to be more interested in what they are doing than how they look doing it. I want them to enjoy food that is delicious, feed their bodies with wisdom and intent, and give themselves the freedom to indulge. I want them to compete in healthy ways that honor the cultivation of skill, the expenditure of effort, and the courage of the attempt. Grace and Bella, will you have any idea how lovely you are when you try? Recently we ran the Chuy's Hot to Trot Kids K together as a family in Austin, and I ran the 5-K immediately afterward. Post?race, my kids asked me where my medal was. I explained that not everyone gets a medal, so they must have run really well (all kids got a medal, shhh!). As I picked up Grace, she said, "You are so sweaty Mommy, all wet." Luke smiled and said, "Mommy's sweaty 'cause she's fast. And she looks pretty. All clean." My PRs will never garner attention or generate awards. But when I run, I am 100 percent me--my strengths and weaknesses play out like a cracked-open diary, my emotions often as raw as the chafing from my jog bra. In my ultimate moments of vulnerability, I am twice the woman I was when I thought I was meant to look pretty on the sidelines. Sweaty and smiling, breathless and beautiful: Running helps us all shine. A lesson worth passing along.
Kristin Armstrong
First, when you try to restrict calories and exercise more, your body is hardwired to perceive a starvation situation. That makes you tired (so you move less and conserve energy) and hungry (so you eat more), and it slows down your metabolism (so you don’t die!). This “eat less, exercise more” formula is not too successful for most people. It can work for a short time, certainly, but less than 10 percent of people lose weight and keep it off for a year;4 you will almost always rebound and gain back the weight. Second, when you eat carbs and sugar, insulin spikes and your blood sugar drops. The insulin drives most of the available fuel in your bloodstream into fat cells, especially the fat cells around your middle, otherwise known as belly fat. So your body is starved of fuel, and this stimulates your brain5 to make you eat more.6 You could have a year’s worth of stored energy in your fat tissue and yet feel like you are starving. The only thing that can stop this vicious cycle is eating a lot of fat and cutting out the refined carbs and sugar. A high-fat, low-carb diet leads to a faster metabolism and sustained weight loss.
Mark Hyman (Eat Fat Get Thin: Why the Fat We Eat Is the Key to Sustained Weight Loss and Vibrant Health)
Fabian didn't flinch under Vlad's harsh analysis. "You have no idea what it's like, existing between worlds," he said, floating closer instead of backing away. "We are neither the living or the undead. It takes years to cope with the fact that even though over ninety-nine percent of everyone who dies crosses over to the next place, you are left behind. Years to accept that everything you worked for in your life is gone, and the shell of memory is all that remains. Years to recover from hopelessly trying to communicate with loved ones, only to fail time and again because no one except the crazed, psychics, the undead, or other ghosts can see you. Years to accept---even if you don't understand why---that vampires and ghouls will treat you worse that they do vermin, even though they are no human than you are." Fabian advanced again, until his finger disappeared into Vlad's chest. "I'd dare the strongest of your race or any other to say that they've conquered the same hardships my people have overcome. So think again before you question a ghost's worth, or judge those younger ones who are still in the process of becoming tougher than anyone tied to flesh will ever be." Stunned silence filled the air once Fabian was finished. I wanted to break out in apologies and applause all at the same time, but I was still recovering from my shock at how my mild-mannered, Casperesque friend had just unloaded a truck full of I-dare-yous onto one of the scariest vampires in existence. Damned if I would ever underestimate a ghost's chutzpah again, or question their fortitude. Being noncorporeal clearly didn't equate to lacking a pair of balls.
Jeaniene Frost (This Side of the Grave (Night Huntress, #5))
I had recently read to my dismay that they have started hunting moose again in New England. Goodness knows why anyone would want to shoot an animal as harmless and retiring as the moose, but thousands of people do—so many, in fact, that states now hold lotteries to decide who gets a permit. Maine in 1996 received 82,000 applications for just 1,500 permits. Over 12,000 outof-staters happily parted with a nonrefundable $20 just to be allowed to take part in the draw. Hunters will tell you that a moose is a wily and ferocious forest creature. Nonsense. A moose is a cow drawn by a three-year-old. That’s all there is to it. Without doubt, the moose is the most improbable, endearingly hopeless creature ever to live in the wilds. Every bit of it—its spindly legs, its chronically puzzled expression, its comical oven-mitt antlers—looks like some droll evolutionary joke. It is wondrously ungainly: it runs as if its legs have never been introduced to each other. Above all, what distinguishes the moose is its almost boundless lack of intelligence. If you are driving down a highway and a moose steps from the woods ahead of you, he will stare at you for a long minute (moose are notoriously shortsighted), then abruptly try to run away from you, legs flailing in eight directions at once. Never mind that there are several thousand square miles of forest on either side of the highway. The moose does not think of this. Clueless as to what exactly is going on, he runs halfway to New Brunswick before his peculiar gait inadvertently steers him back into the woods, where he immediately stops and takes on a startled expression that says, “Hey—woods. Now how the heck did I get here?” Moose are so monumentally muddle-headed, in fact, that when they hear a car or truck approaching they will often bolt out of the woods and onto the highway in the curious hope that this will bring them to safety. Amazingly, given the moose’s lack of cunning and peculiarly-blunted survival instincts, it is one of the longest-surviving creatures in North America. Mastodons, saber-toothed tigers, wolves, caribou, wild horses, and even camels all once thrived in eastern North America alongside the moose but gradually stumbled into extinction, while the moose just plodded on. It hasn’t always been so. At the turn of this century, it was estimated that there were no more than a dozen moose in New Hampshire and probably none at all in Vermont. Today New Hampshire has an estimated 5,000 moose, Vermont 1,000, and Maine anywhere up to 30,000. It is because of these robust and growing numbers that hunting has been reintroduced as a way of keeping them from getting out of hand. There are, however, two problems with this that I can think of. First, the numbers are really just guesses. Moose clearly don’t line up for censuses. Some naturalists think the population may have been overstated by as much as 20 percent, which means that the moose aren’t being so much culled as slaughtered. No less pertinent is that there is just something deeply and unquestionably wrong about killing an animal that is so sweetly and dopily unassuming as a moose. I could have slain this one with a slingshot, with a rock or stick—with a folded newspaper, I’d almost bet—and all it wanted was a drink of water. You might as well hunt cows.
Bill Bryson (A Walk in the Woods: Rediscovering America on the Appalachian Trail)
Imagine all of L.A. filled with windup men wandering empty-headed and waiting for orders and directions and purpose. That’s L.A. in a nutshell. A city of driven creatures, but no one is a hundred percent sure what they’re driven toward. Wealth. Fame. Power. Love. Revenge. These are all the obvious end points for the citizens of a spectral city, but none of them quite encompass a final goal. That’s more fragile. Something that slips away like smoke the moment it’s in your hands. It’s a moonshine cocktail of desperation and desire, the certainty that you can find perfection through sheer willpower and the cold terror that if you do reach the goal it will have twisted into something new. A new fevered need born of the search for this one. Searching for the next goal will breed another. And on and on. L.A. and Kill City full of Pinocchios with whirring gears for brains, all wanting to be real boys but sunk in the certainty that they’ll never become anything because they’re nothing. They came from nothing and are headed for a further and harder nothing.
Richard Kadrey (Kill City Blues (Sandman Slim, #5))
What this means is that the entire business model for something like Chase’s credit card business is not much more than a gigantic welfare fraud scheme. These companies borrow hundreds of billions of dollars from the Fed at rock-bottom rates, then turn around and lend it out to the world at 5, 10, 15, 20 percent, as credit cards and mortgages, boat loans and aircraft loans, and so on. If you pay it back, great, it’s a 500 percent or 1,000 percent or 4,000 percent profit for the bank. If you don’t pay it back, the company can put your name in the hopper to be sued. A $5,000 debt on a credit card for the now-defunct Circuit City, which was actually a Chase card, became a $13,000 or $14,000 debt by the time the bank finished applying fees and penalties. Just like a welfare application, you have to read the fine print. “They make more on lawsuits than they make on credit interest,” says Linda.
Matt Taibbi (The Divide: American Injustice in the Age of the Wealth Gap)
Here’s a Reader’s Digest version of my approach. I select mutual funds that have had a good track record of winning for more than five years, preferably for more than ten years. I don’t look at their one-year or three-year track records because I think long term. I spread my retirement, investing evenly across four types of funds. Growth and Income funds get 25 percent of my investment. (They are sometimes called Large Cap or Blue Chip funds.) Growth funds get 25 percent of my investment. (They are sometimes called Mid Cap or Equity funds; an S&P Index fund would also qualify.) International funds get 25 percent of my investment. (They are sometimes called Foreign or Overseas funds.) Aggressive Growth funds get the last 25 percent of my investment. (They are sometimes called Small Cap or Emerging Market funds.) For a full discussion of what mutual funds are and why I use this mix, go to daveramsey.com and visit MyTotalMoneyMakeover.com. The invested 15 percent of your income should take advantage of all the matching and tax advantages available to you. Again, our purpose here is not to teach the detailed differences in every retirement plan out there (see my other materials for that), but let me give you some guidelines on where to invest first. Always start where you have a match. When your company will give you free money, take it. If your 401(k) matches the first 3 percent, the 3 percent you put in will be the first 3 percent of your 15 percent invested. If you don’t have a match, or after you have invested through the match, you should next fund Roth IRAs. The Roth IRA will allow you to invest up to $5,000 per year, per person. There are some limitations as to income and situation, but most people can invest in a Roth IRA. The Roth grows tax-FREE. If you invest $3,000 per year from age thirty-five to age sixty-five, and your mutual funds average 12 percent, you will have $873,000 tax-FREE at age sixty-five. You have invested only $90,000 (30 years x 3,000); the rest is growth, and you pay no taxes. The Roth IRA is a very important tool in virtually anyone’s Total Money Makeover. Start with any match you can get, and then fully fund Roth IRAs. Be sure the total you are putting in is 15 percent of your total household gross income. If not, go back to 401(k)s, 403(b)s, 457s, or SEPPs (for the self-employed), and invest enough so that the total invested is 15 percent of your gross annual pay. Example: Household Income $81,000 Husband $45,000 Wife $36,000 Husband’s 401(k) matches first 3%. 3% of 45,000 ($1,350) goes into the 401(k). Two Roth IRAs are next, totaling $10,000. The goal is 15% of 81,000, which is $12,150. You have $11,350 going in. So you bump the husband’s 401(k) to 5%, making the total invested $12,250.
Dave Ramsey (The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness)
Influenza is caused by three types of viruses, of which the most worrisome and widespread is influenza A. Viruses of that type all share certain genetic traits: a single-stranded RNA genome, which is partitioned into eight segments, which serve as templates for eleven different proteins. In other words, they have eight discrete stretches of RNA coding, linked together like eight railroad cars, with eleven different deliverable cargoes. The eleven deliverables are the molecules that comprise the structure and functional machinery of the virus. They are what the genes make. Two of those molecules become spiky protuberances from the outer surface of the viral envelope: hemagglutinin and neuraminidase. Those two, recognizable by an immune system, and crucial for penetrating and exiting cells of a host, give the various subtypes of influenza A their definitive labels: H5N1, H1N1, and so on. The term “H5N1” indicates a virus featuring subtype 5 of the hemagglutinin protein combined with subtype 1 of the neuraminidase protein. Sixteen different kinds of hemagglutinin, plus nine kinds of neuraminidase, have been detected in the natural world. Hemagglutinin is the key that unlocks a cell membrane so that the virus can get in, and neuraminidase is the key for getting back out. Okay so far? Having absorbed this simple paragraph, you understand more about influenza than 99.9 percent of the people on Earth. Pat yourself on the back and get a flu shot in November. At
David Quammen (Spillover: Animal Infections and the Next Human Pandemic)
Obviously, in those situations, we lose the sale. But we’re not trying to maximize each and every transaction. Instead, we’re trying to build a lifelong relationship with each customer, one phone call at a time. A lot of people may think it’s strange that an Internet company is so focused on the telephone, when only about 5 percent of our sales happen through the telephone. In fact, most of our phone calls don’t even result in sales. But what we’ve found is that on average, every customer contacts us at least once sometime during his or her lifetime, and we just need to make sure that we use that opportunity to create a lasting memory. The majority of phone calls don’t result in an immediate order. Sometimes a customer may be calling because it’s her first time returning an item, and she just wants a little help stepping through the process. Other times, a customer may call because there’s a wedding coming up this weekend and he wants a little fashion advice. And sometimes, we get customers who call simply because they’re a little lonely and want someone to talk to. I’m reminded of a time when I was in Santa Monica, California, a few years ago at a Skechers sales conference. After a long night of bar-hopping, a small group of us headed up to someone’s hotel room to order some food. My friend from Skechers tried to order a pepperoni pizza from the room-service menu, but was disappointed to learn that the hotel we were staying at did not deliver hot food after 11:00 PM. We had missed the deadline by several hours. In our inebriated state, a few of us cajoled her into calling Zappos to try to order a pizza. She took us up on our dare, turned on the speakerphone, and explained to the (very) patient Zappos rep that she was staying in a Santa Monica hotel and really craving a pepperoni pizza, that room service was no longer delivering hot food, and that she wanted to know if there was anything Zappos could do to help. The Zappos rep was initially a bit confused by the request, but she quickly recovered and put us on hold. She returned two minutes later, listing the five closest places in the Santa Monica area that were still open and delivering pizzas at that time. Now, truth be told, I was a little hesitant to include this story because I don’t actually want everyone who reads this book to start calling Zappos and ordering pizza. But I just think it’s a fun story to illustrate the power of not having scripts in your call center and empowering your employees to do what’s right for your brand, no matter how unusual or bizarre the situation. As for my friend from Skechers? After that phone call, she’s now a customer for life. Top 10 Ways to Instill Customer Service into Your Company   1. Make customer service a priority for the whole company, not just a department. A customer service attitude needs to come from the top.   2. Make WOW a verb that is part of your company’s everyday vocabulary.   3. Empower and trust your customer service reps. Trust that they want to provide great service… because they actually do. Escalations to a supervisor should be rare.   4. Realize that it’s okay to fire customers who are insatiable or abuse your employees.   5. Don’t measure call times, don’t force employees to upsell, and don’t use scripts.   6. Don’t hide your 1-800 number. It’s a message not just to your customers, but to your employees as well.   7. View each call as an investment in building a customer service brand, not as an expense you’re seeking to minimize.   8. Have the entire company celebrate great service. Tell stories of WOW experiences to everyone in the company.   9. Find and hire people who are already passionate about customer service. 10. Give great service to everyone: customers, employees, and vendors.
Tony Hsieh (Delivering Happiness: A Path to Profits, Passion, and Purpose)
[WAIT—IT WON’T LET ME REDACT THESE LITTLE SUBHEADING THINGS? THAT’S SUPER ANNOYING!] [FINE, I’LL JUST GIVE YOU MY SUMMARY.] [SO, WHOEVER WROTE THIS WAS ALL BLAH-BLAH-BLAH-STELLARLUNE-SOMETHING-SOMETHING-LEGACY. BUT SERIOUSLY, NO ONE WANTS TO READ ABOUT THE CREEPY STUFF MY MOM DID BEFORE SHE GOT PREGNANT WITH ME! (AND WE’RE ALL SUPER SICK OF HEARING ABOUT MY “LEGACY,” AMIRITE?) SO, LET’S JUST LEAVE IT AT THIS: MY MOM IS EVIL. SHE THINKS SHE’S WAY SMARTER THAN SHE IS. AND NOTHING SHE DID IS GOING TO AFFECT MY GENERAL AWESOMENESS, OKAY?] A PHOTOGRAPHIC MEMORY: [WOW, HOW DID YOU COME UP WITH SUCH A CLEVER TITLE?!] [AND YEAH, I HAVE A PHOTOGRAPHIC MEMORY. NOT SURE WHY ANYONE CARES. BUT IT DOES COME IN HANDY DURING MIDTERMS AND FINALS.] AHEAD OF THE GAME: [BASICALLY: I’M A GENIUS. I SKIPPED LEVEL ONE AT FOXFIRE. YES, YOU SHOULD BE IMPRESSED.] UNREASONABLY HIGH STANDARDS: [GOTTA ADMIT, I WAS TEMPTED TO LEAVE THIS ONE ALONE, SINCE WHOEVER WROTE IT ACTUALLY GOT THINGS PRETTY MUCH RIGHT. I GUESS EVEN THE COUNCIL KNOWS MY DAD’S A JERK WHO FREAKS OUT ALL THE TIME BECAUSE I’M NOT A LITTLE MINI-HIM. WHO KNEW?] A POWERFUL EMPATH: [UGH, THAT’S THE BEST YOU COULD DO FOR THIS SUBHEADING???] [HOW ABOUT “LORD OF THE FEELS”? OR “TRUST THE EMPATH”! OR “HE KNOWS WHAT YOU’RE FEELING—AND YOU SHOULD BE ASHAMED OF YOURSELF”?] [OOO! I’VE GOT IT! “HE KNOWS FOSTER BETTER THAN YOU DO! BETTER THAN SHE EVEN KNOWS HERSELF!”] [THOUGH… KEEPING IT REAL? THE FOSTER OBLIVION CAN BE KINDA NOT COOL SOMETIMES.] THE HEART OF THE MATTER: [I CAN’T BELIEVE YOU GUYS NAMED A SECTION OF MY FILE AFTER MY FATHER’S SUPER-BORING BOOK—AND THEN RAMBLED ON FOR TWO PAGES ABOUT HIS SUPER-BORING THEORY!!!!!] [YOU DON’T NEED TWO PAGES ON IT. YOU DON’T EVEN NEED TWO SENTENCES. HERE’S ALLLLLL YOU NEED TO KNOW—BESIDES THE FACT THAT HE’S TOTALLY NOT THE FIRST PERSON TO COME UP WITH THIS (JUST THE ONE WHO LOVES TO TAKE CREDIT): OUR HEADS AND OUR HEARTS SOMETIMES FEEL DIFFERENT EMOTIONS, AND WHAT’S IN OUR HEARTS IS PROBABLY STRONGER.] [THAT’S IT!] [WELL… OKAY… I GUESS HE ALSO GOES ON A BIT ABOUT HOW EMPATHS PROBABLY ONLY READ THE EMOTIONS FROM THE HEAD.] [AND THERE’S SOMETHING ABOUT HEART EMOTIONS BEING PURER BECAUSE NO ONE CAN CONTROL THEM.] [BUT THAT’S IT.] [AND DON’T TELL LORD BORINGPANTS I READ HIS DUMB BOOK! I MOSTLY SKIMMED.] PRANKSTER AND TROUBLEMAKER: [100 PERCENT ACCURATE. ALSO, I’M LEAVING YOUR LITTLE ATTACHED DETENTION RECORD BECAUSE IT’S THE GREATEST THING I’VE EVER SEEN IN MY LIFE!!!!]
Shannon Messenger (Unlocked (Keeper of the Lost Cities, #8.5))
1. Recruit the smallest group of people who can accomplish what must be done quickly and with high quality. Comparative Advantage means that some people will be better than others at accomplishing certain tasks, so it pays to invest time and resources in recruiting the best team for the job. Don’t make that team too large, however—Communication Overhead makes each additional team member beyond a core of three to eight people a drag on performance. Small, elite teams are best. 2. Clearly communicate the desired End Result, who is responsible for what, and the current status. Everyone on the team must know the Commander’s Intent of the project, the Reason Why it’s important, and must clearly know the specific parts of the project they’re individually responsible for completing—otherwise, you’re risking Bystander Apathy. 3. Treat people with respect. Consistently using the Golden Trifecta—appreciation, courtesy, and respect—is the best way to make the individuals on your team feel Important and is also the best way to ensure that they respect you as a leader and manager. The more your team works together under mutually supportive conditions, the more Clanning will naturally occur, and the more cohesive the team will become. 4. Create an Environment where everyone can be as productive as possible, then let people do their work. The best working Environment takes full advantage of Guiding Structure—provide the best equipment and tools possible and ensure that the Environment reinforces the work the team is doing. To avoid having energy sapped by the Cognitive Switching Penalty, shield your team from as many distractions as possible, which includes nonessential bureaucracy and meetings. 5. Refrain from having unrealistic expectations regarding certainty and prediction. Create an aggressive plan to complete the project, but be aware in advance that Uncertainty and the Planning Fallacy mean your initial plan will almost certainly be incomplete or inaccurate in a few important respects. Update your plan as you go along, using what you learn along the way, and continually reapply Parkinson’s Law to find the shortest feasible path to completion that works, given the necessary Trade-offs required by the work. 6. Measure to see if what you’re doing is working—if not, try another approach. One of the primary fallacies of effective Management is that it makes learning unnecessary. This mind-set assumes your initial plan should be 100 percent perfect and followed to the letter. The exact opposite is true: effective Management means planning for learning, which requires constant adjustments along the way. Constantly Measure your performance across a small set of Key Performance Indicators (discussed later)—if what you’re doing doesn’t appear to be working, Experiment with another approach.
Josh Kaufman (The Personal MBA: Master the Art of Business)
About 4.6 billion years ago, a great swirl of gas and dust some 15 billion miles across accumulated in space where we are now and began to aggregate. Virtually all of it—99.9 percent of the mass of the solar system—went to make the Sun. Out of the floating material that was left over, two microscopic grains floated close enough together to be joined by electrostatic forces. This was the moment of conception for our planet. All over the inchoate solar system, the same was happening. Colliding dust grains formed larger and larger clumps. Eventually the clumps grew large enough to be called planetesimals. As these endlessly bumped and collided, they fractured or split or recombined in endless random permutations, but in every encounter there was a winner, and some of the winners grew big enough to dominate the orbit around which they traveled. It all happened remarkably quickly. To grow from a tiny cluster of grains to a baby planet some hundreds of miles across is thought to have taken only a few tens of thousands of years. In just 200 million years, possibly less, the Earth was essentially formed, though still molten and subject to constant bombardment from all the debris that remained floating about. At this point, about 4.5 billion years ago, an object the size of Mars crashed into Earth, blowing out enough material to form a companion sphere, the Moon. Within weeks, it is thought, the flung material had reassembled itself into a single clump, and within a year it had formed into the spherical rock that companions us yet. Most of the lunar material, it is thought, came from the Earth’s crust, not its core, which is why the Moon has so little iron while we have a lot. The theory, incidentally, is almost always presented as a recent one, but in fact it was first proposed in the 1940s by Reginald Daly of Harvard. The only recent thing about it is people paying any attention to it. When Earth was only about a third of its eventual size, it was probably already beginning to form an atmosphere, mostly of carbon dioxide, nitrogen, methane, and sulfur. Hardly the sort of stuff that we would associate with life, and yet from this noxious stew life formed. Carbon dioxide is a powerful greenhouse gas. This was a good thing because the Sun was significantly dimmer back then. Had we not had the benefit of a greenhouse effect, the Earth might well have frozen over permanently, and life might never have gotten a toehold. But somehow life did. For the next 500 million years the young Earth continued to be pelted relentlessly by comets, meteorites, and other galactic debris, which brought water to fill the oceans and the components necessary for the successful formation of life. It was a singularly hostile environment and yet somehow life got going. Some tiny bag of chemicals twitched and became animate. We were on our way. Four billion years later people began to wonder how it had all happened. And it is there that our story next takes us.
Bill Bryson (A Short History of Nearly Everything)