Advising Money Quotes

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I am excessively fond of a cottage; there is always so much comfort, so much elegance about them. And I protest, if I had any money to spare, I should buy a little land and build one myself, within a short distance of London, where I might drive myself down at any time, and collect a few friends about me and be happy. I advise everybody who is going to build, to build a cottage.
Jane Austen (Sense and Sensibility)
Treat your advices like your money, don't give it to others unless they ask for it.
Amit Kalantri (Wealth of Words)
Where large sums of money are concerned, it is advisable to trust nobody.
Agatha Christie (Endless Night)
At the end of the day, if you’re wasting your time by not investing in yourself, you’re going to waste away—and that would be the greatest waste of all.
Richie Norton
I speak less because my words are precious and my advices are priceless.
Amit Kalantri
And I advise ye to think well, he told her It's better to be a stray dog in this world than a man without money. I've tried it both ways, and I know. A poor man stinks, and God hates him.
Willa Cather (My Mortal Enemy)
What is patriotism? Let us begin with what patriotism is not. It is not patriotic to dodge the draft and to mock war heroes and their families. It is not patriotic to discriminate against active-duty members of the armed forces in one’s companies, or to campaign to keep disabled veterans away from one’s property. It is not patriotic to compare one’s search for sexual partners in New York with the military service in Vietnam that one has dodged. It is not patriotic to avoid paying taxes, especially when American working families do pay. It is not patriotic to ask those working, taxpaying American families to finance one’s own presidential campaign, and then to spend their contributions in one’s own companies. It is not patriotic to admire foreign dictators. It is not patriotic to cultivate a relationship with Muammar Gaddafi; or to say that Bashar al-Assad and Vladimir Putin are superior leaders. It is not patriotic to call upon Russia to intervene in an American presidential election. It is not patriotic to cite Russian propaganda at rallies. It is not patriotic to share an adviser with Russian oligarchs. It is not patriotic to solicit foreign policy advice from someone who owns shares in a Russian energy company. It is not patriotic to read a foreign policy speech written by someone on the payroll of a Russian energy company. It is not patriotic to appoint a national security adviser who has taken money from a Russian propaganda organ. It is not patriotic to appoint as secretary of state an oilman with Russian financial interests who is the director of a Russian-American energy company and has received the “Order of Friendship” from Putin. The point is not that Russia and America must be enemies. The point is that patriotism involves serving your own country. The
Timothy Snyder (On Tyranny: Twenty Lessons from the Twentieth Century)
What happened was, I got the idea in my head-and I could not get it out ㅡ that college was just one more dopey, inane place in the world dedicated to piling up treasure on earth and everything. I mean treasure is treasure, for heaven's sake. What's the difference whether the treasure is money, or property, or even culture, or even just plain knowledge? It all seemed like exactly the same thing to me, if you take off the wrapping ㅡ and it still does! Sometimes I think that knowledge ㅡ when it's knowledge for knowledge's sake, anyway ㅡ is the worst of all. The least excusable, certainly. [...] I don't think it would have all got me quite so down if just once in a while ㅡ just once in a while ㅡ there was at least some polite little perfunctory implication that knowledge should lead to wisdom, and that if it doesn't, it's just a disgusting waste of time! But there never is! You never even hear any hints dropped on a campus that wisdom is supposed to be the goal of knowledge. You hardly ever even hear the word 'wisdom' mentioned! Do you want to hear something funny? Do you want to hear something really funny? In almost four years of college ㅡ and this is the absolute truth ㅡ in almost four years of college, the only time I can remember ever even hearing the expression 'wise man' being used was in my freshman year, in Political Science! And you know how it was used? It was used in reference to some nice old poopy elder statesman who'd made a fortune in the stock market and then gone to Washington to be an adviser to President Roosevelt. Honestly, now! Four years of college, almost! I'm not saying that happens to everybody, but I just get so upset when I think about it I could die.
J.D. Salinger (Franny and Zooey)
Then let me advise you to take up your little burdens again, for though they seem heavy sometimes, they are good for us, and lighten as we learn to carry them. Work is wholesome, and there is plenty for everyone. It keeps us from ennui and mischief, is good for health and spirits, and gives us a sense of power and independence better than money or fashion." "We'll
Louisa May Alcott (Little Women (Little Women #1))
There is a defined gulf Between credit and character If you doubt this, ask any banker; He will advise that character is nice But it is not collateral.
Evan Rhys (Poems from the Ledge)
I never advise friends to put money in anything,. said Danny. 'It's a no-win situation - if they make a profit they forget that it was you who recommended it, and if they make a loss they never stop reminding you. My only advise would be not to gamble what you can't afford, and never to risk an amount that might cause you to lose a night's sleep
Jeffrey Archer (A Prisoner of Birth)
Eponymous Clent- Wanted for thirty-nine cases of fraud, counterfeiting, selling, and circulating lewd and unlicensed literature, claiming to be the impecunious son of a duke, impersonating a magistrate, impersonating a horse doctor, breach of promise, forty-seven moonlit flits without payment of debts, robbing shrines, fleeing from justice before trial, stealing pies from windows and small furniture from inns, fabricating the Great Palthrop Horse Plague for purposes of profit, operating a hurdy-gurdy without a license. The public is advised against lending him money, buying anything from him, letting him rooms, or believing a word he says. Contrary to his professions, he will not pay you the day after tomorrow.
Frances Hardinge (Fly Trap)
I would advise you to buy it, because if you read too long without handing over money you will find yourself the object of the Thief's Curse
J.K. Rowling (Quidditch Through the Ages)
He advised that I could invest in stocks to make money. Given that I have a negative balance, that was where the conversation stopped.
Vann Chow (Shanghai Nobody (Master Shanghai, #1))
I suppose it was the worst book any man has ever written. It was a colossal tome and faulty from start to finish. But it was my first book and I was in love with it. If I had had the money, as Gide had, I would have published it at my own expense. If I had had the courage that Whitman had, I would have peddled it from door to door. Everybody I showed it to said it was terrible. I was urged to give up the idea of writing. I had to learn, as Balzac did, that one must write volumes before signing one's own name. I had to learn, as I soon did, that one must give up everything and not do anything else but write, that one must write and write and write, even if everybody in the world advises you against it, even if nobody believes in you. Perhaps one does it just because nobody believes; perhaps the real secret lies in making people believe. That the book was inadequate, faulty, bad, terrible, as they said, was only natural.
Henry Miller (Tropic of Capricorn (Tropic, #2))
Peter Lynch doesn’t advise you to buy stock in your favorite store just because you like shopping in the store, nor should you buy stock in a manufacturer because it makes your favorite product or a restaurant because you like the food. Liking a store, a product, or a restaurant is a good reason to get interested in a company and put it on your research list, but it’s not enough of a reason to own the stock! Never invest in any company before you’ve done the homework on the company’s earnings prospects, financial condition, competitive position, plans for expansion, and so forth.
Peter Lynch (One Up on Wall Street: How To Use What You Already Know To Make Money in the Market)
but we advise you to never chase the money. That’s a recipe for frustration. Chase your focus, your mission, your passion, and your purpose, and allow money and income to stem from that. This chapter isn’t meant to define the only ways to make money.
Sean Cannell (YouTube Secrets: The Ultimate Guide to Growing Your Following and Making Money as a Video Influencer)
Greenspan advised the American people to buy - he repeated the old mantra: 'spending is patriotic'. He also managed to convince them that if they did not have the money, that shouldn't stop them. They would 'pay later'. To a certain extent he was correct, we are all having to 'pay later'... we may even never stop paying.
Gilad Atzmon (The Wandering Who? A Study of Jewish Identity Politics)
Trump’s pick for secretary of state? Rex Tillerson, a figure known and trusted in Moscow, and recipient of the Order of Friendship. National security adviser? Michael Flynn, Putin’s dinner companion and a beneficiary of undeclared Russian fees. Campaign manager? Paul Manafort, longtime confidant to ex-Soviet oligarchs. Foreign policy adviser? Carter Page, an alleged Moscow asset who gave documents to Putin’s spies. Commerce secretary? Wilbur Ross, an entrepreneur with Russia-connected investments. Personal lawyer? Michael Cohen, who sent emails to Putin’s press secretary. Business partner? Felix Sater, son of a Russian American mafia boss. And other personalities, too. It was almost as if Putin had played a role in naming Trump’s cabinet. The U.S. president, of course, had done the choosing. But the constellation of individuals, and their immaculate alignment with Russian interests, formed a discernible pattern, like stars against a clear night sky. A pattern of collusion.
Luke Harding (Collusion: Secret Meetings, Dirty Money, and How Russia Helped Donald Trump Win)
I was forty-five years old and tired of being an artist. Besides, I owed $20,000 to relatives, finance companies, banks and assorted bookmakers and shylocks. It was really time to grow up and sell out as Lenny Bruce once advised. So I told my editors 'OK, I'll write a book about the mafia, just give me some money to get started'.
Mario Puzo
Then let me advise you to take up your little burdens again, for though they seem heavy sometimes, they are good for us, and lighten as we learn to carry them. Work is wholesome, and there is plenty for everyone. It keeps us from ennui and mischief, is good for health and spirits, and gives us a sense of power and independence better than money or fashion.
Louisa May Alcott (Little Women (Little Women, #1))
I met Tati, who advised me to save my money lest I wind up in the old actor’s home, where he had just come from visiting a friend.
Woody Allen (Apropos of Nothing)
Those who advise you against taking risks are limiting your pathways to opportunity and wealth.
Linsey Mills (Teach Your Child About Money Through Play: 110+ Games/Activities, Tips, and Resources to Teach Kids Financial Literacy at an Early Age)
In ancient Rome, money was minted in the temple of Juno Moneta, the Great Mother in her aspect of adviser and admonisher. She is the source of our words money and monetary.
Rupert Sheldrake (The Rebirth of Nature: The Greening of Science and God)
Old men are always advising young men to save money. That is bad advice. Don’t save every nickel. Invest in yourself.
Henry Ford
Money: My Thesis Money can buy you comfort, but it can’t buy you peace. Money can buy you pleasure, but it can’t buy you happiness. Money can buy you food, but it can’t buy you contentment. Money can buy you delight, but it can’t buy you love. Money can buy you praise, but it can’t buy you honor. Money can buy you titles, but it can’t buy you respect. Money can buy you neighbors, but it can’t buy you friends. Money can buy you crowds, but it can’t buy you God. Money can buy you religion, but it can’t buy you faith. Money can buy you education, but it can’t buy you wisdom. Money can buy you medicine, but it can’t buy you health. Money can buy you time, but it can’t buy you life. Money can buy you a compass, but it can’t buy you purpose. Money can buy you luck, but it can’t buy you fate. Money can buy you advisers, but it can’t buy you certainty. Money can buy you today, but it can’t buy you tomorrow. Money can buy you fish, but it can’t buy you the ocean. Money can buy you land, but it can’t buy you the world. Money can buy you aeroplanes, but it can’t buy you the skies. Money can buy you telescopes, but it can’t buy you the stars.
Matshona Dhliwayo
They were directed to hire certain well-connected advisers and lobbyists in Washington. “You hear about bribery in China,” says Herbold. “They have nothing on us. We are just more sophisticated about it.
Peter Schweizer (Extortion: How Politicians Extract Your Money, Buy Votes, and Line Their Own Pockets)
By buying this book-and I would advise you to buy it, because if you read it for too long with out handing over money you will find yourself the object of a Thief's Curse- you too will be contributing to this magical mission.
J.K. Rowling (Quidditch Through the Ages)
Graduate student Raina Sun is trying to keep her head above water as the bills roll in when her dashing college adviser cons her out of several months of rent. But her quest to get her money back sets into a motion a streak of bad luck.
Anne R. Tan (Raining Men and Corpses (Raina Sun Mystery #1))
if I had any money to spare, I should buy a little land and build one myself, within a short distance of London, where I might drive myself down at any time, and collect a few friends about me, and be happy. I advise every body who is going to build, to build a cottage.
Jane Austen (Jane Austen: The Complete Works)
Vergennes proposed clandestine aid to the rebels to avoid stirring up an overt war with Britain and to shore up the enemy of France’s enemy, advising, “The courage of the Americans might be kept up by secret favors and vague hopes.” He specifically suggested sending them covert “military stores and money” for the time being but warned against going public and making an official treaty with the insurgents until “the liberty of English America shall have acquired consistency.” In other words, they should not stumble into another war with Britain until the Americans prove themselves. Because
Sarah Vowell (Lafayette in the Somewhat United States)
It all must have cost a fortune, guessed Lucy, who had lost track of the actual total sometime around December 18. Oh, sure, it had been great fun for the hour or two it took to open all the presents, but those credit card balances would linger for months. And what was she going to do about the letter? It was from the financial aid office at Chamberlain College advising her that they had reviewed the family’s finances and had cut Elizabeth’s aid package by ten thousand dollars. That meant they had to come up with the money or Elizabeth would have to leave school. She guiltily fingered the diamond studs Bill had surprised her with, saying they were a reward for all the Christmases he was only able to give her a handmade coupon book of promises after they finished buying presents for the kids. It was a lovely gesture, but she knew they couldn’t really afford it. She wasn’t even sure he had work lined up for the winter.
Leslie Meier (New Year's Eve Murder (A Lucy Stone Mystery, #12))
Borrowing and spending money never leads to prosperity or happiness. It is advisable to live within our means and avoid debt. Borrowing money is simply one method of deferring absorbing today’s pain in exchange for repaying it with greater pain on a later day. Acceptance of a short period of discomfort is wiser than to mortgage a person’s future.
Kilroy J. Oldster (Dead Toad Scrolls)
Then let me advise you to take up your little burdens again; for though they seem heavy sometimes, they are good for us, and lighten as we learn to carry them. Work is wholesome, and there is plenty for everyone; it keeps us from ennui and mischief, is good for health and spirits, and gives us a sense of power and independence better than money or fashion.
Louisa May Alcott
Cicero believed three things about older age. First, that it should be dedicated to service, not goofing off. Second, our greatest gift later in life is wisdom, in which learning and thought create a worldview that can enrich others. Third, our natural ability at this point is counsel: mentoring, advising, and teaching others, in a way that does not amass worldly rewards of money, power, or prestige.
Arthur C. Brooks (From Strength to Strength: Finding Success, Happiness, and Deep Purpose in the Second Half of Life)
THE BUTCHER AND THE DIETITIAN A good friend of mine recently forwarded me a YouTube video entitled The Butcher vs. the Dietitian, a two-minute cartoon that effectively and succinctly highlighted the major difference between a broker and a legal fiduciary. The video made the glaringly obvious point that when you walk into a butcher shop, you are always encouraged to buy meat. Ask a butcher what’s for dinner, and the answer is always “Meat!” But a dietitian, on the other hand, will advise you to eat what’s best for your health. She has no interest in selling you meat if fish is better for you. Brokers are butchers, while fiduciaries are dietitians. They have no “dog in the race” to sell you a specific product or fund. This simple distinction gives you a position of power! Insiders know the difference.
Anthony Robbins (MONEY Master the Game: 7 Simple Steps to Financial Freedom (Tony Robbins Financial Freedom))
You need a formal business reinvention process. Put it in your calendar. Every three months, take your most trusted advisers, employees, backers, and even customers and get away from the phones for a little while. Start from scratch. “If we were starting over—no office, no employees, no customers—would we choose to be where we are today?” If the answer isnʼt, yes, then itʼs time to take a hard look at the path you took and the impact it has had on your business.
Seth Godin (The Bootstrapper's Bible: How to Start and Build a Business With a Great Idea and (Almost) No Money)
Under the leadership of Henry Kissinger, first as Richard Nixon’s national security adviser and later as secretary of state, the United States sent an unequivocal signal to the most extreme rightist forces that democracy could be sacrificed in the cause of ideological warfare. Criminal operational tactics, including assassination, were not only acceptable but supported with weapons and money. A CIA internal memo laid it out in unsparing terms:        On September 16, 1970 [CIA] Director [Richard] Helms informed a group of senior agency officers that on September 15, President Nixon had decided that an Allende regime was not acceptable to the United States. The President asked the Agency to prevent Allende from coming to power or to unseat him and authorized up to $10 million for this purpose. . . . A special task force was established to carry out this mandate, and preliminary plans were discussed with Dr. Kissinger on 18 September 1970.
John Dinges (The Condor Years: How Pinochet and His Allies Brought Terrorism to Three Continents)
What is called storing money is a way of using wealth. The uncertainty of the future makes it seem advisable to hold a larger or smaller part of one's possessions in a form that will facilitate a change from one way of using wealth to another, or transition from the ownership of one good to that of another, in order to preserve the opportunity of being able without difficulty to satisfy urgent demands that may possibly arise in the future for goods that will have to be obtained by way of exchange.
Ludwig von Mises (The Theory of Money and Credit (Liberty Fund Library of the Works of Ludwig von Mises))
Merrill Lynch, on the other hand, was a white-shoe firm with a proud history of elitism. Its investment bank was blue-blooded in temperament and composition, recruited primarily from Ivy League schools, and did only the more lucrative work of advising corporations, issuing securities, and managing money for ultra-wealthy individuals. In fact, many at Merrill Lynch considered commercial banking—the business of taking deposits, issuing mortgages, and giving loans to regular people—a lower form of commerce.
Kevin Roose (Young Money: Inside the Hidden World of Wall Street's Post-Crash Recruits)
For this boy destined to be the world’s greatest heir, money was so omnipresent as to be invisible—something “there, like air or food or any other element,” he later said—yet it was never easily attainable.11 As if he were a poor, rural boy, he earned pocket change by mending vases and broken fountain pens or by sharpening pencils. Aware of the rich children spoiled by their parents, Senior seized every opportunity to teach his son the value of money. Once, while Rockefeller was being shaved at Forest Hill, Junior entered with a plan to give away his Sunday-school money in one lump sum, for a fixed period, and be done with it. “Let’s figure it out first,” Rockefeller advised and made Junior run through calculations that showed he would lose eleven cents interest while the Sunday school gained nothing in return. Afterward, Rockefeller told his barber, “I don’t care about the boy giving his money in that way. I want him to give it. But I also want him to learn the lesson of being careful of the little things.
Ron Chernow (Titan: The Life of John D. Rockefeller, Sr.)
Undoubtedly well-meaning billionaires do it too. For example, an American software billionaire called Bill Gates has apparently donated $10 billion to create new vaccines. If Gates wants to do some good with his money he would surely be better advised to spend it on providing roads, clean water and reliable food supplies for the many oppressed countries where these things are desperately needed. Or he could spend some of his money campaigning against the selfish, imperialist and wicked policies of the American Government
Vernon Coleman (Anyone Who Tells You Vaccines Are Safe And Effective Is Lying. Here's The Proof.)
wondered how old she was. When she first sat down I’d thought she was in her midthirties, closer to my age, but her smile, and the spray of faded freckles across the bridge of her nose made her look younger. Twenty-eight maybe. My wife’s age. “And I work, of course, when I fly,” I added. “What do you do?” I gave her the short story version, how I funded and advised Internet start-up companies. I didn’t tell her how I’d made most of my money—by selling those companies off as soon as they looked promising. And I didn’t tell her that I never really needed to work again
Peter Swanson (The Kind Worth Killing)
Fifteen years ago, a business manager from the United States came to Plum Village to visit me. His conscience was troubled because he was the head of a firm that designed atomic bombs. I listened as he expressed his concerns. I knew if I advised him to quit his job, another person would only replace him. If he were to quit, he might help himself, but he would not help his company, society, or country. I urged him to remain the director of his firm, to bring mindfulness into his daily work, and to use his position to communicate his concerns and doubts about the production of atomic bombs. In the Sutra on Happiness, the Buddha says it is great fortune to have an occupation that allows us to be happy, to help others, and to generate compassion and understanding in this world. Those in the helping professions have occupations that give them this wonderful opportunity. Yet many social workers, physicians, and therapists work in a way that does not cultivate their compassion, instead doing their job only to earn money. If the bomb designer practises and does his work with mindfulness, his job can still nourish his compassion and in some way allow him to help others. He can still influence his government and fellow citizens by bringing greater awareness to the situation. He can give the whole nation an opportunity to question the necessity of bomb production. Many people who are wealthy, powerful, and important in business, politics, and entertainment are not happy. They are seeking empty things - wealth, fame, power, sex - and in the process they are destroying themselves and those around them. In Plum Village, we have organised retreats for businesspeople. We see that they have many problems and suffer just as others do, sometimes even more. We see that their wealth allows them to live in comfortable conditions, yet they still suffer a great deal. Some businesspeople, even those who have persuaded themselves that their work is very important, feel empty in their occupation. They provide employment to many people in their factories, newspapers, insurance firms, and supermarket chains, yet their financial success is an empty happiness because it is not motivated by understanding or compassion. Caught up in their small world of profit and loss, they are unaware of the suffering and poverty in the world. When we are not int ouch with this larger reality, we will lack the compassion we need to nourish and guide us to happiness. Once you begin to realise your interconnectedness with others, your interbeing, you begin to see how your actions affect you and all other life. You begin to question your way of living, to look with new eyes at the quality of your relationships and the way you work. You begin to see, 'I have to earn a living, yes, but I want to earn a living mindfully. I want to try to select a vocation not harmful to others and to the natural world, one that does not misuse resources.' Entire companies can also adopt this way of thinking. Companies have the right to pursue economic growth, but not at the expense of other life. They should respect the life and integrity of people, animals, plants and minerals. Do not invest your time or money in companies that deprive others of their lives, that operate in a way that exploits people or animals, and destroys nature. Businesspeople who visit Plum Village often find that getting in touch with the suffering of others and cultivating understanding brings them happiness. They practise like Anathapindika, a successful businessman who lived at the time of the Buddha, who with the practise of mindfulness throughout his life did everything he could to help the poor and sick people in his homeland.
Thich Nhat Hanh (Creating True Peace: Ending Violence in Yourself, Your Family, Your Community, and the World)
He glanced down at her, keeping his expression carefully impassive. “I hate to leave you.” There was a gently mocking edge to his tone. “You need someone to follow you around and keep you safe from mishaps. On the other hand, you also need someone to find a beekeeper.” Realizing he was not going to talk about Leo, Amelia followed his lead. “Will you do that for us? I would consider it a great favor.” “Of course. Although…” His eyes held a wicked glitter. “As I mentioned before, I can’t keep doing favors for you with no reward. A man needs incentive.” “If … if you want money, I’ll be glad to—” “God, no.” Rohan was laughing now. “I don’t want money.” Reaching out, he smoothed back her hair, letting the heel of his hand graze the edge of her cheekbone. The brush of his skin was light and erotic, causing her to swallow hard. “Goodbye, Miss Hathaway. I’ll see myself out.” He flashed a smile at her and advised, “Stay away from the windows.” On the way down the stairs, Rohan passed Merripen, who was ascending at a measured pace. Merripen’s face darkened at the sight of the visitor. “What are you doing here?” “It seems I’m helping with pest eradication.” “Then you can begin by leaving,” Merripen growled. Rohan only grinned nonchalantly, and continued on his way.
Lisa Kleypas (Mine Till Midnight (The Hathaways, #1))
For years, the suspicion that Mr. Putin has a secret fortune has intrigued scholars, industry analysts, opposition figures, journalists and intelligence agencies but defied their efforts to uncover it. Numbers are thrown around suggesting that Mr. Putin may control $40 billion or even $70 billion, in theory making him the richest head of state in world history. For all the rumors and speculation, though, there has been little if any hard evidence, and Gunvor has adamantly denied any financial ties to Mr. Putin and repeated that denial on Friday. But Mr. Obama’s response to the Ukraine crisis, while derided by critics as slow and weak, has reinvigorated a 15-year global hunt for Mr. Putin’s hidden wealth. Now, as the Obama administration prepares to announce another round of sanctions as early as Monday targeting Russians it considers part of Mr. Putin’s financial circle, it is sending a not-very-subtle message that it thinks it knows where the Russian leader has his money, and that he could ultimately be targeted directly or indirectly. “It’s something that could be done that would send a very clear signal of taking the gloves off and not just dance around it,” said Juan C. Zarate, a White House counterterrorism adviser to President George W. Bush who helped pioneer the government’s modern financial campaign techniques to choke off terrorist money.
Peter Baker
Funniest part of life “We judge others, not knowing our own mistakes. We advise others, not knowing we also need to follow. We gossip about others, not knowing others do gossip about us. We nag comparing others, not knowing we are far better than others. We say we are unlucky, not knowing how much lucky we are in terms of many things. We say no time, not knowing how much time we waste in reality. We say no money, not knowing how much is spent on unnecessary things. We don’t respect elders when we are young, not knowing we too get old. In life there are ‘known knowns”, ‘known unknowns’, ‘unknown unknowns’, but there are ‘knowingly unknowns’ which is the funniest part of life.
Venu CV
That’s why one of my strongest ideas is to look at the tax code in both its complexity and its obvious bias toward the rich. Hedge fund and money managers are important for our pension funds and the 401(k) plans that help millions of Americans—but far less important than they think. But financial advisers should pay taxes at the highest levels when they’re earning money at those levels. Often, these financial engineers are “flipping” companies, laying people off, and making billions—yes, billions—of dollars by “downsizing” and destroying people’s lives and sometimes entire companies. Believe me, I know the value of a billion dollars—but I also know the importance of a single dollar.
Donald J. Trump (Great Again: How to Fix Our Crippled America)
Mook had chosen not to spend money on polling, to the great frustration of some of the campaign’s aides and advisers in key states. In Florida, Craig Smith, the former White House political director, and Scott Arceneaux, a veteran southern Democratic political operative, had begged Mook to poll the state in October to no avail. Mook believed it was a waste of money. He had learned from David Plouffe, Obama’s campaign manager, that old-school polling should be used for testing messages and gauging the sentiments of the electorate and that analytics were just as good for tracking which candidate was ahead and by how much in each state. Plus, the analytics were quicker and much cheaper.
Jonathan Allen (Shattered: Inside Hillary Clinton's Doomed Campaign)
When Adolf Hitler heard of the Japanese attack on Pearl Harbor, he slapped his hands together in glee and exclaimed, “Now it is impossible to lose the war. We now have an ally, Japan, who has never been vanquished in three thousand years.” Germany and Japan were threatening the world with massive land armies. But Hitler and Hirohito had never taken the measure of the man in the White House. A former assistant secretary of the navy, Franklin D. Roosevelt had his own ideas about the shape and size of the military juggernaut he would wield. FDR’s military experts told him that only huge American ground forces could meet the threat. But Roosevelt turned aside their requests to conscript tens of millions of Americans to fight a traditional war. The Dutchman would have no part in the mass WWI-type carnage of American boys on European or Asian killing fields. Billy Mitchell was gone, but Roosevelt remembered his words. Now, as Japan and Germany invested in yesterday, FDR invested in tomorrow. He slashed his military planners’ dreams of a vast 35-million-man force by more than half. He shrunk the dollars available for battle in the first and second dimensions and put his money on the third. When the commander in chief called for the production of four thousand airplanes per month, his advisers wondered if he meant per year. After all, the U.S. had produced only eight hundred airplanes just two years earlier. FDR was quick to correct them. The
James D. Bradley (Flyboys: A True Story of Courage)
Maj. Charles Abeyawardena, a strategic planning officer with the Army’s Center for Lessons Learned at Fort Leavenworth, Kansas, arrived in Afghanistan in 2005 to interview U.S. combat advisers and senior Afghan officials about their experiences. As an aside, he decided to ask low-ranking Afghan soldiers why they had enlisted. He said their responses echoed those usually given by American troops: it’s a solid paycheck, I want to serve my country, it’s an opportunity to do something new with my life. But when he followed up by asking whether they would stay in the Afghan army after the United States left, the answers startled him. “The majority, almost everyone I talked to, said, ‘No,’ ” Abeyawardena said in an Army oral-history interview. “They were going to go back and grow opium or marijuana or something like that, because that’s where the money is.
Craig Whitlock (The Afghanistan Papers: A Secret History of the War)
As tensions built in the increasingly calamitous debt ceiling stalemate, two sources say, Boehner traveled to New York to personally beseech David Koch’s help. One former adviser to the Koch family says that “Boehner begged David to ‘call off the dogs!’ He pointed out that if the country defaulted, David’s own investments would tank.” A spokeswoman for Boehner, Emily Schillinger, confirmed the visit but insisted, “Anyone who knows Speaker Boehner knows he doesn’t ‘beg.’ ” But the spectacle of the Speaker of the House, who was among the most powerful elected officials in the country, third in line in the order of presidential succession, traveling to the Manhattan office of a billionaire businessman to ask for his help in an internecine congressional fight captures just how far the Republican Party’s fulcrum of power had shifted toward the outside donors by 2011.
Jane Mayer (Dark Money: The Hidden History of the Billionaires Behind the Rise of the Radical Right)
Yes, I wanted you to see how the comfort of all depends on each doing her share faithfully. While Hannah and I did your work, you got on pretty well, though I don't think you were very happy or amiable. So I though, as a little lesson, I would show you what happens when everyone thinks only of herself. Don't you feel that it is pleasanter to help one another, to have daily duties which make leisure sweet when it comes, and to bear and forbear, that home may be comfortable and lovely to us all?" "We do, Mother, we do!" cried the girls. "Then let me advise you to take up your little burdens again, for though they seem heavy sometimes, they are good for us, and lighten as we learn to carry them. Work is wholesome, and there is plenty for everyone. It keeps us from ennui and mischief, is good for health and spirits, and gives us a sense of power and independence better than money or fashion.
Louisa May Alcott (Little Women)
In her book The Government-Citizen Disconnect, the political scientist Suzanne Mettler reports that 96 percent of American adults have relied on a major government program at some point in their lives. Rich, middle-class, and poor families depend on different kinds of programs, but the average rich and middle-class family draws on the same number of government benefits as the average poor family. Student loans look like they were issued from a bank, but the only reason banks hand out money to eighteen-year-olds with no jobs, no credit, and no collateral is because the federal government guarantees the loans and pays half their interest. Financial advisers at Edward Jones or Prudential can help you sign up for 529 college savings plans, but those plans' generous tax benefits will cost the federal government an estimated $28.5 billion between 2017 and 2026. For most Americans under the age of sixty-five, health insurance appears to come from their jobs, but supporting this arrangement is one of the single largest tax breaks issued by the federal government, one that exempts the cost of employer-sponsored health insurance from taxable incomes. In 2022, this benefit is estimated to have cost the government $316 billion for those under sixty-five. By 2032, its price tag is projected to exceed $6oo billion. Almost half of all Americans receive government-subsidized health benefits through their employers, and over a third are enrolled in government-subsidized retirement benefits. These participation rates, driven primarily by rich and middle-class Americans, far exceed those of even the largest programs directed at low income families, such as food stamps (14 percent of Americans) and the Earned Income Tax Credit (19 percent). Altogether, the United States spent $1.8 trillion on tax breaks in 2021. That amount exceeded total spending on law enforcement, education, housing, healthcare, diplomacy, and everything else that makes up our discretionary budget. Roughly half the benefits of the thirteen largest individual tax breaks accrue to the richest families, those with incomes that put them in the top 20 percent. The top I percent of income earners take home more than all middle-class families and double that of families in the bottom 20 percent. I can't tell you how many times someone has informed me that we should reduce military spending and redirect the savings to the poor. When this suggestion is made in a public venue, it always garners applause. I've met far fewer people who have suggested we boost aid to the poor by reducing tax breaks that mostly benefit the upper class, even though we spend over twice as much on them as on the military and national defense.
Matthew Desmond (Poverty, by America)
Rich, middle-class, and poor families depend on different kinds of programs, but the average rich and middle-class family draws on the same number of government benefits as the average poor family. Student loans look like they were issued from a bank, but the only reason banks hand out money to eighteen-year-olds with no jobs, no credit, and no collateral is because the federal government guarantees the loans and pays half their interest. Financial advisers at Edward Jones or Prudential can help you sign up for 529 college savings plans, but those plans’ generous tax benefits will cost the federal government an estimated $28.5 billion between 2017 and 2026. For most Americans under the age of sixty-five, health insurance appears to come from their jobs, but supporting this arrangement is one of the single largest tax breaks issued by the federal government, one that exempts the cost of employer-sponsored health insurance from taxable incomes.
Matthew Desmond (Poverty, by America)
A 2011 study done by Alan Krueger, a Princeton economics professor who served for two years as the chairman of President Obama’s Council of Economic Advisers, and Stacy Dale, an analyst with Mathematica Policy Research, tried to adjust for that sort of thing. Krueger and Dale examined sets of students who had started college in 1976 and in 1989; that way, they could get a sense of incomes both earlier and later in careers. And they determined that the graduates of more selective colleges could expect earnings 7 percent greater than graduates of less selective colleges, even if the graduates in that latter group had SAT scores and high school GPAs identical to those of their peers at more exclusive institutions. But then Krueger and Dale made their adjustment. They looked specifically at graduates of less selective colleges who had applied to more exclusive ones even though they hadn’t gone there. And they discovered that the difference in earnings pretty much disappeared. Someone with a given SAT score who had gone to Penn State but had also applied to the University of Pennsylvania, an Ivy League school with a much lower acceptance rate, generally made the same amount of money later on as someone with an equivalent SAT score who was an alumnus of UPenn. It was a fascinating conclusion, suggesting that at a certain level of intelligence and competence, what drives earnings isn’t the luster of the diploma but the type of person in possession of it. If he or she came from a background and a mindset that made an elite institution seem desirable and within reach, then he or she was more likely to have the tools and temperament for a high income down the road, whether an elite institution ultimately came into play or not. This was powerfully reflected in a related determination that Krueger and Dale made in their 2011 study: “The average SAT score of schools that rejected a student is more than twice as strong a predictor of the student’s subsequent earnings as the average SAT score of the school the student attended.
Frank Bruni (Where You Go Is Not Who You'll Be: An Antidote to the College Admissions Mania)
Köster had bought the car, a top-heavy old bus, at an auction for next to nothing. Connoisseurs who saw it at the time pronounced it without hesitation an interesting specimen for a transport museum. Bollwies, wholesale manufacturer of ladies’ ready-made dresses and incidentally a speedway enthusiast, advised Otto to convert it into a sewing machine. But Köster was not to be discouraged. He took down the car as if it had been a watch, and worked on it night after night for months. Then one evening he turned up in it outside the bar which we usually frequented. Bollwies nearly fell over with laughing when he saw it, it still looked so funny. For a bit of fun he challenged Otto to a race. He offered two hundred marks to twenty if Köster would take him on in his new sports car—course ten kilometres, Otto to have a kilometre start. Otto took up the bet. But Otto went one better. He refused the handicap and raised the odds to even money, a thousand marks each way. Bollwies, delighted, offered to drive him to a mental home immediately.
Erich Maria Remarque (Three Comrades)
MASSOUD DISPATCHED his foreign policy adviser, Abdullah, to Washington in August. Their Northern Alliance lobbyist, Otilie English, scratched together a few appointments on Capitol Hill. It was difficult to get anyone’s attention. They had to compete with Pakistan’s well-heeled, high-paid professional lobbyists and advocates, such as the former congressman Charlie Wilson, who had raised so much money for Pakistan’s government in Congress during the anti-Soviet jihad. Abdullah and English tried to link their lobbying effort with Hamid Karzai and his brother, Qayum, to show that Massoud was fighting the Taliban with multiethnic allies. But the members they met with could barely manage politeness. Guns or financial aid were out of the question. Some barely knew who Osama bin Laden was. With the Democrats they tried to press the issue of women’s rights in Afghanistan, but even that seemed to be a dying cause now that the Clintons were gone. Both Massoud’s group and the Karzais were “so disappointed, so demoralized” after a week of meetings on the Hill and at the State Department, Karzai’s lobbyist recalled.37
Steve Coll (Ghost Wars: The Secret History of the CIA, Afghanistan & Bin Laden from the Soviet Invasion to September 10, 2001)
One of Socrates' greatest and most enduring legacies, one for which he ultimately gave his life, was to fundamentally transform the meaning of 'Know yourself' by turning it inward. In other words, when Socrates advised his fellow Athenians --- the aristocrats, more often than not --- to examine their lives, to 'know themselves,' he was exhorting them to give far less time and attention to external circumstances like social status and wealth and to give much more time and attention to the things that matter most: internal goals, like wisdom, truth, and ethical character. As Socrates himself expressed the point in defense of his teachings: 'I will not cease from philosophy...and from exhorting you, and declaring the truth to every one of you I meet..."are you not embarassed by caring for money ...and fame and reputation, and not caring or taking thought for wisdom and truth and for your soul, and how to make it as good as possible?' I go about doing nothing else but urging you, young and old alike, not to care for your bodies or for money sooner than, or as much as, for you soul, and how to make it as good as you can.
Russell Gough (Character Is Destiny: The Value of Personal Ethics in Everyday Life)
You might think about me a bit & whether you could bear the idea of marrying me. Of course you haven’t got to decide, but think about it. I can’t advise you in my favour because I think it would be beastly for you, but think how nice it would be for me. I am restless & moody & misanthropic & lazy & have no money except what I earn and if I got ill you would starve. In fact it’s a lousy proposition. On the other hand I think I could reform & become quite strict about not getting drunk and I am pretty sure I should be faithful. ... I have always tried to be nice to you and you may have got it into your head that I am nice really, but that is all rot. It is only to you & for you. I am jealous & impatient – but there is no point in going into a whole list of my vices. You are a critical girl and I’ve no doubt that you know them all and a great many I don’t know myself. But the point I wanted to make is that if you marry most people, you are marrying a great number of objects & other people as well, well, if you marry me there is nothing else involved, and that is an advantage as well as a disadvantage. ... Eight days from now I shall be with you again, darling heart. I don’t think of much else. All my love, Evelyn
Evelyn Waugh
Anne Sexton, who died forty-two years ago today, did her best to respond to the legions of fans who wrote to her. The letter below, from August 1965, finds her dispensing unvarnished advice to an aspiring poet from Amherst. Read more of her correspondence in Anne Sexton: A Self-Portrait in Letters. Your letter was very interesting, hard to define, making it hard on me somehow to set limits for you, advise or help in any real way. First of all let me tell you that I find your poems fascinating, terribly uneven … precious perhaps, flashes of brilliance … but the terrible lack of control, a bad use of rhyme and faults that I feel sure you will learn not to make in time. I am not a prophet but I think you will make it if you learn to revise, if you take your time, if you work your guts out on one poem for four months instead of just letting the miracle (as you must feel it) flow from the pen and then just leave it with the excuse that you are undisciplined. Hell! I’m undisciplined too, in everything but my work … Everyone in the world seems to be writing poems … but only a few climb into the sky. What you sent shows you COULD climb there if you pounded it into your head that you must work and rework these uncut diamonds of yours. If this is impossible for you my guess is that you will never really make it … As for madness … hell! Most poets are mad. It doesn’t qualify us for anything. Madness is a waste of time. It creates nothing. Even though I’m often crazy, and I am and I know it, still I fight it because I know how sterile, how futile, how bleak … nothing grows from it and you, meanwhile, only grow into it like a snail. Advice … Stop writing letters to the top poets in America. It is a terrible presumption on your part. I never in my life would have the gall (sp?) to write Randall Jarrell out of the blue that way and all my life I have wanted to do so. It’s out of line … it isn’t done. I mean they get dozens of fan letters a day that they have no time to respond to and I’m sure dozens of poems. Meanwhile, these poets (fans of whatever) should be contacting other young poets on their way—not those who have made it, who sit on a star and then have plenty of problems, usually no money, usually the fear their own writing is going down the sink hole … make contact with others such as you. They are just as lonely, just as ready, and will help you far more than the distant Big Name Poet … I’m not being rejecting, Jon, I’m being realistic.
Anne Sexton
Holding a precious book meant to Mendel what an assignment with a woman might to another man. These moments were his platonic nights of love. Books had power over him; money never did. Great collectors, including the founder of a collection in Princeton University Library, tried in vain to recruit him as an adviser and buyer for their libraries—Jakob Mendel declined; no one could imagine him anywhere but in the Café Gluck. Thirty-three years ago, when his beard was still soft and black and he had ringlets over his forehead, he had come from the east to Vienna, a crook-backed lad, to study for the rabbinate, but he had soon abandoned Jehovah the harsh One God to give himself up to idolatry in the form of the brilliant, thousand-fold polytheism of books. That was when he had first found his way to the Café Gluck, and gradually it became his workplace, his headquarters, his post office, his world. Like an astronomer alone in his observatory, studying myriads of stars every night through the tiny round lens of the telescope, observing their mysterious courses, their wandering multitude as they are extinguished and then appear again, so Jakob Mendel looked through his glasses out from that rectangular table into the other universe of books, also eternally circling and being reborn in that world above our own.
Stefan Zweig (The Collected Stories of Stefan Zweig)
The nudge movement spawned by Thaler and Sunstein has been spectacularly successful around the globe. A 2017 review in the Economist described how policy makers were beginning to embrace insights from behavioral science: In 2009 Barack Obama appointed Mr Sunstein as head of the White House’s Office of Information and Regulatory Affairs. The following year Mr Thaler advised Britain’s government when it established BIT, which quickly became known as the “nudge unit”. If BIT did not save the government at least ten times its running cost (£500,000 a year), it was to be shut down after two years. Not only did BIT stay open, saving about 20 times its running cost, but it marked the start of a global trend. Now many governments are turning to nudges to save money and do better. In 2014 the White House opened the Social and Behavioural Sciences Team. A report that year by Mark Whitehead of Aberystwyth University counted 51 countries in which “centrally directed policy initiatives” were influenced by behavioural sciences. Nonprofit organisations such as Ideas42, set up in 2008 at Harvard University, help run dozens of nudge-style trials and programmes around the world. In 2015 the World Bank set up a group that is now applying behavioural sciences in 52 poor countries. The UN is turning to nudging to help hit the “sustainable development goals”, a list of targets it has set for 2030.32
Robert H. Frank (Under the Influence: Putting Peer Pressure to Work)
What is it like to be made vice-president? On one level, it's a nearly hallucinatory degree of success. I was barely forty years old, and a shaky, sixty-three-year-old heartbeat from the leadership of the entire Western world. It was also like throwing up in convention-hall bathrooms before giving speeches, and after. It was sitting through dinners with men and women with whom I had nothing in common. Spending an enormous amount of time on trains. Promising thins and agreeing to things as advised by people I had barely met, on very little sleep. Huge sums of money were changing hands and everything happening on the grandest scale imaginable while still in most moments remaining pointless and usually outright seedy. I pretended to learn to fly-fish; I watched sporting events. In Maine I was assaulted by a lobster; it seized my lapel in a threatening manner. I tasted local foods and admired factories,farms, department stores, hotels, and (unless I'm misremembering) several empty plots of land.... It was like being given what was almost the nation's highest honor by a man you held in infinite esteem and regarded with perhaps a certain amount of terrified suspicion, a man who disliked you and clearly wanted nothing to do with you, who would scowl and change the subject at the mention of your name. And then being given a very important and very nasty job by that person, and despised for it, almost as much as you despised yourself.
Austin Grossman (Crooked)
But there was a lacuna in Nehru’s concept of science: he saw it exclusively in terms of laboratory science, not field science; physics and molecular biology, not ecology, botany, or agronomy. He understood that India’s farmers were poor in part because they were unproductive—they harvested much less grain per acre than farmers elsewhere in the world. But unlike Borlaug, Nehru and his ministers believed that the poor harvests were due not to lack of technology—artificial fertilizer, irrigated water, and high-yield seeds—but to social factors like inefficient management, misallocation of land, lack of education, rigid application of the caste system, and financial speculation (large property owners were supposedly hoarding their wheat and rice until they could get better prices). This was not crazy: more than one out of five families in rural India owned no land at all, and about two out of five owned less than 2.5 acres, not enough land to feed themselves. Meanwhile, a tiny proportion of absentee landowners controlled huge swathes of terrain. The solution to rural poverty, Nehru therefore believed, was less new technology than new policies: give land from big landowners to ordinary farmers, free the latter from the burdens of caste, and then gather the liberated smallholders into more-efficient, technician-advised cooperatives. This set of ideas had the side benefit of fitting nicely into Nehru’s industrial policy: enacting them would cost next to nothing, reserving more money for building factories.
Charles C. Mann (The Wizard and the Prophet: Two Remarkable Scientists and Their Dueling Visions to Shape Tomorrow's World)
Phid. In what then, pray, shall I obey you? Strep. Reform your habits as quickly as possible, and go and learn what I advise. Phid. Tell me now, what do you prescribe? Strep. And will you obey me at all? Phid. By Bacchus, I will obey you. Strep. Look this way then! Do you see this little door and little house? Phid. I see it. What then, pray, is this, father? Strep. This is a thinking-shop of wise spirits. There dwell men who in speaking of the heavens persuade people that it is an oven, and that it encompasses us, and that we are the embers. These men teach, if one give them money, to conquer in speaking, right or wrong. Phid. Who are they? Strep. I do not know the name accurately. They are minute philosophers, noble and excellent. Phid. Bah! They are rogues; I know them. You mean the quacks, the pale-faced wretches, the bare-footed fellows, of whose numbers are the miserable Socrates and Chaerephon. Strep. Hold! Hold! Be silent! Do not say anything foolish. But, if you have any concern for your father's patrimony, become one of them, having given up your horsemanship. Phid. I would not, by Bacchus, even if you were to give me the pheasants which Leogoras rears! Strep. Go, I entreat you, dearest of men, go and be taught. Phid. Why, what shall I learn? Strep. They say that among them are both the two causes—the better cause, whichever that is, and the worse: they say that the one of these two causes, the worse, prevails, though it speaks on the unjust side. If, therefore you learn for me this unjust cause, I would not pay any one, not even an obolus of these debts, which I owe at present on your account. Phid. I can not comply; for I should not dare to look upon the knights, having lost all my colour.
Aristophanes (Clouds)
When Robert Livingston, one of the American plenipotentiaries, asked the French negotiators precisely where the Purchase territories extended north-westwards, since very few Europeans, let alone cartographers, had ever set foot there, he was told that they included whatever France had bought off Spain in 1800, but beyond that they simply didn’t know. ‘If an obscurity did not already exist,’ Napoleon advised, ‘it would perhaps be a good policy to put one there.’98 The deal was done after nearly three weeks of tough haggling in Paris with Livingston and his fellow negotiator James Monroe, all conducted against the backdrop of the deteriorating situation over Amiens, and was concluded only days before the resumption of war. The financing was arranged via the Anglo-Dutch merchant banks Barings Brothers and Hopes, which in effect bought Louisiana from France and sold it on to the United States for $11.25 million of 6 per cent American bonds, meaning that the American government did not have to provide the capital immediately.99 As a result, Barings were paying Napoleon 2 million francs a month even when Britain was at war with France. When the prime minister, Henry Addington, asked the bank to cease the remittances Barings agreed, but Hopes, based on the continent, continued to pay and were backed by Barings – so Napoleon got his money and Barings and Hopes made nearly $3 million from the deal. ‘We have lived long,’ said Livingston when the deal was concluded, ‘but this is the noblest work of our whole lives. The treaty which we have just signed has not been obtained by art or dictated by force; equally advantageous to the two contracting parties, it will change vast solitudes into flourishing districts. From this day the United States take their place among the powers of first rank.
Andrew Roberts (Napoleon: A Life)
When examining the history of any human network, it is therefore advisable to stop from time to time and look at things from the perspective of some real entity. How do you know if an entity is real? Very simple – just ask yourself, ‘Can it suffer?’ When people burn down the temple of Zeus, Zeus doesn’t suffer. When the euro loses its value, the euro doesn’t suffer. When a bank goes bankrupt, the bank doesn’t suffer. When a country suffers a defeat in war, the country doesn’t really suffer. It’s just a metaphor. In contrast, when a soldier is wounded in battle, he really does suffer. When a famished peasant has nothing to eat, she suffers. When a cow is separated from her newborn calf, she suffers. This is reality. Of course suffering might well be caused by our belief in fictions. For example, belief in national and religious myths might cause the outbreak of war, in which millions lose their homes, their limbs and even their lives. The cause of war is fictional, but the suffering is 100 per cent real. This is exactly why we should strive to distinguish fiction from reality. Fiction isn’t bad. It is vital. Without commonly accepted stories about things like money, states or corporations, no complex human society can function. We can’t play football unless everyone believes in the same made-up rules, and we can’t enjoy the benefits of markets and courts without similar make-believe stories. But the stories are just tools. They should not become our goals or our yardsticks. When we forget that they are mere fiction, we lose touch with reality. Then we begin entire wars ‘to make a lot of money for the corporation’ or ‘to protect the national interest’. Corporations, money and nations exist only in our imagination. We invented them to serve us; how come we find ourselves sacrificing our lives in their service?
Yuval Noah Harari (Homo Deus A Brief History of Tomorrow By Yuval Noah Harari & How We Got to Now Six Innovations that Made the Modern World By Steven Johnson 2 Books Collection Set)
Professor Joseph Stiglitz, former Chief Economist of the World Bank, and former Chairman of President Clinton's Council of Economic Advisers, goes public over the World Bank’s, “Four Step Strategy,” which is designed to enslave nations to the bankers. I summarise this below, 1. Privatisation. This is actually where national leaders are offered 10% commissions to their secret Swiss bank accounts in exchange for them trimming a few billion dollars off the sale price of national assets. Bribery and corruption, pure and simple. 2. Capital Market Liberalization. This is the repealing any laws that taxes money going over its borders. Stiglitz calls this the, “hot money,” cycle. Initially cash comes in from abroad to speculate in real estate and currency, then when the economy in that country starts to look promising, this outside wealth is pulled straight out again, causing the economy to collapse. The nation then requires International Monetary Fund (IMF) help and the IMF provides it under the pretext that they raise interest rates anywhere from 30% to 80%. This happened in Indonesia and Brazil, also in other Asian and Latin American nations. These higher interest rates consequently impoverish a country, demolishing property values, savaging industrial production and draining national treasuries. 3. Market Based Pricing. This is where the prices of food, water and domestic gas are raised which predictably leads to social unrest in the respective nation, now more commonly referred to as, “IMF Riots.” These riots cause the flight of capital and government bankruptcies. This benefits the foreign corporations as the nations remaining assets can be purchased at rock bottom prices. 4. Free Trade. This is where international corporations burst into Asia, Latin America and Africa, whilst at the same time Europe and America barricade their own markets against third world agriculture. They also impose extortionate tariffs which these countries have to pay for branded pharmaceuticals, causing soaring rates in death and disease.
MY OWN BUSINESS . . . M. O. B. MOB assumes the right of every individual to possess his inner space, to do what interests him with people he wants to see. In some areas this right was more respected a hundred years ago than it is in the permissive society. 'Which is it this time, Holmes? Cocaine or morphine?' asks a disapproving Watson. But Holmes won’t have fink hounds sniffing through his Baker Street digs. If he accepts an American assignment 8 narks won’t beat his door in with sledge hammers, rush in waving their guns “WHATZAT YOU’RE SMOKING?” jerk the pipe out of his mouth and strip him naked. We will make the MOB stand on criminals and crim­inal communes clear. A criminal is someone who commits crimes against property and crimes against persons. We feel that criminals are not minding their own business. Someone who steals your typewriter, starts barroom fights, kicks an old bum to death, is not minding his own business at all. The Thuggees of India, the Mafia, the Ku Klux Klan are examples of criminal communes. Strangling someone and stealing his money, throwing acid in his face, lynching beating and burn­ ing people to death is not minding one’s own business. On one side we have MOBS dedicated to minding their own business without interference. On the other side we have the enemies of MOB dedicated to interference. Equipped with new techniques of computerized thought control the enemies of MOB could inflict a permanent defeat. MOB want to know just where everybody stands. Wouldn’t advise you to try sitting on that fence. It’s electric. Your enemies then are the enemies of MOB. You can do more to destroy these enemies with tape recorders and video cameras than you can with machine guns. Video tape puts any number of machine guns into your hands. However, it is difficult to convince a revolutionary that this weapon is actually more potent than gelignite or guns. What do revolu­tionaries want? Vengeance, or a real change? Both perhaps. It is difficult for those who have suffered outrageous brutal­ity and oppression to forget about vengeance, which is why I postulated the wholesome catharsis of MA, the Mass Assassination of enemy word and image. And this brings us to a basic question that every revolutionary must ask himself. Can I live without enemies? Can any human being live without enemies? No human being has ever done so yet. If the present revolutionary movement is to amount to more than a change of management, presenting the same old good-guy, bad-guy movie, a basic change of conscious­ ness must take place.
William S. Burroughs (The Electronic Revolution)
See especially academia, which has effectively become a hope labor industrial complex. Within that system, tenured professors—ostensibly proof positive that you can, indeed, think about your subject of choice for the rest of your life, complete with job security, if you just work hard enough—encourage their most motivated students to apply for grad school. The grad schools depend on money from full-pay students and/or cheap labor from those students, so they accept far more master’s students than there are spots in PhD programs, and far more PhD students than there are tenure-track positions. Through it all, grad students are told that work will, in essence, save them: If they publish more, if they go to more conferences to present their work, if they get a book contract before graduating, their chances on the job market will go up. For a very limited few, this proves true. But it is no guarantee—and with ever-diminished funding for public universities, many students take on the costs of conference travel themselves (often through student loans), scrambling to make ends meet over the summer while they apply for the already-scarce number of academic jobs available, many of them in remote locations, with little promise of long-term stability. Some academics exhaust their hope labor supply during grad school. For others, it takes years on the market, often while adjuncting for little pay in demeaning and demanding work conditions, before the dream starts to splinter. But the system itself is set up to feed itself as long as possible. Most humanities PhD programs still offer little or nothing in terms of training for jobs outside of academia, creating a sort of mandatory tunnel from grad school to tenure-track aspirant. In the humanities, especially, to obtain a PhD—to become a doctor in your field of knowledge—is to adopt the refrain “I don’t have any marketable skills.” Many academics have no choice but to keep teaching—the only thing they feel equipped to do—even without fair pay or job security. Academic institutions are incentivized to keep adjuncts “doing what they love”—but there’s additional pressure from peers and mentors who’ve become deeply invested in the continued viability of the institution. Many senior academics with little experience of the realities of the contemporary market explicitly and implicitly advise their students that the only good job is a tenure-track academic job. When I failed to get an academic job in 2011, I felt soft but unsubtle dismay from various professors upon telling them that I had chosen to take a high school teaching job to make ends meet. It
Anne Helen Petersen (Can't Even: How Millennials Became the Burnout Generation)
I was getting my knife sharpened at the cutlery shop in the mall,” he said. It was where he originally bought the knife. The store had a policy of keeping your purchase razor sharp, so he occasionally brought it back in for a free sharpening. “Anyway, it was that day that I met this Asian male. He was alone and really nice looking, so I struck up a conversation with him. Well, I offered him fifty bucks to come home with me and let me take some photos. I told him that there was liquor at my place and indicated that I was sexually attracted to him. He was eager and cooperative so we took the bus to my apartment. Once there, I gave him some money and he posed for several photos. I offered him the rum and Coke Halcion-laced solution and he drank it down quickly. We continued to drink until he passed out, and then I made love to him for the rest of the afternoon and early evening. I must have fallen asleep, because when I woke up it was late. I checked on the guy. He was out cold, still breathing heavily from the Halcion. I was out of beer and walked around the corner for another six-pack but after I got to the tavern, I started drinking and before I knew it, it was closing time. I grabbed my six-pack and began walking home. As I neared my apartment, I noted a lot of commotion, people milling about, police officers, and a fire engine. I decided to see what was going on, so I came closer. I was surprised to see they were all standing around the Asian guy from my apartment. He was standing there naked, speaking in some kind of Asian dialect. At first, I panicked and kept walking, but I could see that he was so messed up on the Halcion and booze that he didn’t know who or where he was. “I don’t really know why, Pat, but I strode into the middle of everyone and announced he was my lover. I said that we lived together at Oxford and had been drinking heavily all day, and added that this was not the first time he left the apartment naked while intoxicated. I explained that I had gone out to buy some more beer and showed them the six-pack. I asked them to give him a break and let me take him back home. The firemen seemed to buy the story and drove off, but the police began to ask more questions and insisted that I take them to my apartment to discuss the matter further. I was nervous but felt confident; besides, I had no other choice. One cop took him by the arm and he followed, almost zombie-like. “I led them to my apartment and once inside, I showed them the photos I had taken, and his clothes neatly folded on the arm of my couch. The cops kept trying to question the guy but he was still talking gibberish and could not answer any of their questions, so I told them his name was Chuck Moung and gave them a phony date of birth. I handed them my identification and they wrote everything down in their little notebooks. They seemed perturbed and talked about writing us some tickets for disorderly conduct or something. One of them said they should take us both in for all the trouble we had given them. “As they were discussing what to do, another call came over their radio. It must have been important because they decided to give us a warning and advised me to keep my drunken partner inside. I was relieved. I had fooled the authorities and it gave me a tremendous feeling. I felt powerful, in control, almost invincible. After the officers left, I gave the guy another Halcion-filled drink and he soon passed out. I was still nervous about the narrow escape with the cops, so I strangled him and disposed of his body.
Patrick Kennedy (GRILLING DAHMER: The Interrogation Of "The Milwaukee Cannibal")
The code of the National Association of Broadcasters enunciates as a cardinal principle in American radio the provision of time by stations, without charge, for the presentation of public questions of a controversial nature. At the same time, it advises against the sale of time for the presentation of controversial issues except in the case of political broadcasts during political campaigns. The basic foundation for the prohibition against the sale of time for the presentation of controversial issues is the public duty of broadcasters to present such issues, regardless of the willingness of others to pay for their presentation. If time were sold for that purpose, it would have to be sold to all with the ability to pay, and as a result the advantage in any discussion would rest largely with those having the greater financial means to buy broadcasting time.
Judith C. Waller (Radio: The Fifth Estate)
Many naval officers had also invested, and Captain Folsom advised me to buy some, but I felt actually insulted that he should think me such a fool as to pay money for property in such a horrid place as Yerba Buena, especially ridiculing his quarter of the city, then called Happy Valley.
Some grappled with the mind-bending question of why rates _can't_ go below zero. What if the Fed tried to set a negative interest rate--that is, effectively levying a tax on savings? Said Greg Mankiw, a Harvard economist and former White House adviser, at the Boston conference, "What a depositor is going to do is say, 'Well, if they're going to charge me money to keep my money at the bank, I'm just going to keep my money at home,' and the only thing you'll generate is a demand for safe assets--and by that I mean assets that are safes because they're going to be buying a bunch of safes so that people can put their money in their safes rather than in the bank." He added that one way around that problem suggested by a student, would be to declare currency with certain serial numbers invalid. "I won't say who he was," Mankiw said. "Because he may want to be a central banker one day.
Neil Irwin (The Alchemists: Three Central Bankers and a World on Fire)
checklists to make sure we haven’t left out any critical step. These lists contain questions we ask when considering an investment or advising a new-growth innovation team. You can use them for the same purposes—or as a starting point for developing your own checklist. 1. Is innovation development being spearheaded by a small, focused team of people who have relevant experience or are prepared to learn as they go? 2. Has the team spent enough time directly with prospective customers to develop a deep understanding of them? 3. In considering novel ways to serve those customers, did the team review developments in other industries and countries? 4. Can the team clearly define the first customer and a path to reaching others? 5. Is the team’s idea consistent with a strategic opportunity area in which the company has a compelling advantage? 6. Is the idea’s proposed business model described in detail? 7. Does the team have a believable hypothesis about how the offering will make money? 8. Have the team members identified all the things that have to be true for this hypothesis to work? 9. Does the team have a plan for testing all those uncertainties, which tackles the most critical ones first? Does each test have a clear objective, a hypothesis, specific predictions, and a tactical execution plan? 10. Are fixed costs low enough to facilitate course corrections? 11. Has the team demonstrated a bias toward action by rapidly prototyping the idea?
Well, parenting seems easy enough." Andy grinned wryly. "All I gotta do is give it money." "And stop calling it it," Remy advised. Cam nodded. "That'd be a good start, yeah." He faced Andreas. "What're you havin'?" "A boy." Andy was getting more nervous the closer they got to the due date. "I hear they piss on you when you change their diapers." "I…uh. Right." Cam huffed a laugh. "I don’t know what to say about that. Maybe I should call my mom and apologize?
Cara Dee (Outcome (Aftermath, #2))
Cedar Capital Group Tokyo: Owning vs Renting Heavy Equipment You have some projects underway. It is either you gear up and buy your own equipment, extend your company’s capabilities and add them these equipment to your business’ asset or you just need to rent a unit and cut the cost. How do you decide when to buy and rent the equipment anyway? We have learned a lot of pros and cons of renting and buying. It is important to evaluate your company’s current situation and capabilities including your financial plans to carefully consider which method you will use in acquiring the equipment. Here is a review of the things which you should bear in mind before deciding when to buy and when to rent equipment: 1. Budget The budget is one of the most important factors in any start of the business. Do you have enough capital to buy a new equipment? If so, will it be practical to use that money to buy or is it more rational to rent and save the cost? You should not look only on the first few months of operation but foresee the future need of the equipment to be used. Although buying may be a larger one-time financial outlay, the cost of renting can add up quickly, and over a long period of time can end up costing you more – especially if the equipment isn’t being used for the entire rental period. And don’t forget: when you own, you can see a return on your investment when you sell. 2. Duration of Project Time frame is important to know how long you will need the equipment. It is more practical to rent the machine if you are only using it for a short period of time. Renting also makes more sense if you are using the equipment for only a specific task. The risk, of course, is the increasing cost of rental when the equipment is not used the entire time. Fortunately, many rental companies in Singapore, Tokyo, Japan and Seoul South Korea only require payment for the actual time the machine is being used. On the other hand, if you are working on a long project and would be using the machine frequently, it is more advisable to buy your own equipment. The complaints on damage on the parts of the equipment can still be charged on you if you are renting it. It becomes worse if you wear the machine out so it would be better if you purchase your own.
Alana Barnet
Why do investors fail to realize that money placed in a mutual fund that tries to pick “out-performing stocks” is unlikely to yield a better return than money invested in the S&P 500? If fund managers and investment advisers are so good at picking stocks, why are they risking your money rather than their own? Some
Joseph E. Stiglitz (The Roaring Nineties: A New History of the World's Most Prosperous Decade)
Luntz used polls, focus groups, and “instant response dial sessions” to perfect the language of health-care attacks and then tested the lines on average Americans in St. Louis, Missouri. Out of these sessions, Luntz compiled a seminal twenty-eight-page confidential memo in April warning that there was no groundswell of public opposition to Obama’s health-care plan at that point; in fact, there was a groundswell of public support. By far the most effective approach to turning the public against the program, Luntz advised, was to label it a “government takeover.” He wrote, “Takeovers are like coups. They both lead to dictators and a loss of freedom.” “I did create the phrase ‘government takeover’ of health care. And I believe it,” Luntz maintained, noting too that “it gave the Republicans the weapon they needed to defeat Obama in 2010.” But most experts found the pitch patently misleading because the Obama administration was proposing that Americans buy private health insurance from for-profit companies, not the government. In fact, progressives were incensed that rather than backing a “public option” for those who preferred a government insurance program, the Obama plan included a government mandate that individuals purchase health-care coverage, a conservative idea hatched by the Heritage Foundation to stave off nationalized health care. Luntz’s phrase was so false that it was chosen as “the Lie of the Year” by the nonpartisan fact-checking group PolitiFact. Yet while a rear guard of administration officials tried lamely to correct the record, Luntz’s deceptive message stuck, agitating increasingly fearful and angry voters, many of whom flocked to Tea Party protests.
Jane Mayer (Dark Money: The Hidden History of the Billionaires Behind the Rise of the Radical Right)
I was waiting for her to ask me to write a check. I never wanted to give her money, but Julius always advised me just to do it. “I’m
Shvonne Latrice (Falling For A Hood King (Falling For A Hood King #4))
But the investigative reporter Lee Fang discovered that a volunteer with FreedomWorks was circulating a memo instructing Tea Partiers on how to disrupt the meetings. Bob MacGuffie, who ran a Web site called, advised opponents of Obama’s policies to “pack the hall…spread out” to make their numbers seem more significant, and to “rock-the-boat early in the Rep’s presentation…to yell out and challenge the Rep’s statements early…to rattle him, get him off his prepared script and agenda…stand up and shout and sit right back down.” While MacGuffie was quickly dismissed as a lone amateur, some of the outside agitation was professional, paid for by the Koch network. Noble later admitted, “We packed these town halls with people who were just screaming about this thing.
Jane Mayer (Dark Money: The Hidden History of the Billionaires Behind the Rise of the Radical Right)
It is simply not worth paying anybody more than 1 percent to manage your money. Above $1 million, you should be paying no more than 0.75 percent, and above $5 million, no more than 0.5 percent. . . . Your adviser should use index/passive stock funds wherever possible. If
John C. Bogle (The Little Book of Common Sense Investing: The Only Way to Guarantee Your Fair Share of Stock Market Returns (Little Books. Big Profits 21))
Despite what your prior reservations were about money and whether you’re born rich or not, one thing we all share equally is the amount of time we have. Everyone has 24 hours in one day from Oprah Winfrey to the poor person on the street. What’s different is how we use each hour given to us, so I advise you to use your time wisely!
Jay Breezy (Thug Finance: Money Management Tips for the Thug in Us All)
As their uncle, Earl Spencer, says their characters are very different from the public image. “The press have always written up William as the terror and Harry as a rather quiet second son. In fact William is a very self-possessed, intelligent and mature boy and quite shy. He is quite formal and stiff, sounding older than his years when he answers the phone.” It is Harry who is the mischievous imp of the family. Harry’s puckish character manifested itself to his uncle during the return flight from Necker, the Caribbean island owned by Virgin airline boss Richard Branson. He recalls: “Harry was presented with his breakfast. He had his headphones on and a computer game in front of him but he was determined to eat his croissant. It took him about five minutes to manoeuvre all his electronic gear, his knife, his croissant and his butter. When he eventually managed to get a mouthful there was a look of such complete satisfaction on his face. It was a really wonderful moment.” His godparent Carolyn Bartholomew says, without an ounce of prejudice, that Harry is “the most affectionate, demonstrative and huggable little boy” while William is very much like his mother, “intuitive, switched on and highly perceptive.” At first she thought the future king was a “little terror.” “He was naughty and had tantrums,” she recalls. “But when I had my two children I realized that they are all like that at some point. In fact William is kind-hearted, very much like Diana. He would give you his last Rolo sweet. In fact he did on one occasion. He was longing for this sweet, he only had one left and he gave it to me.” Further evidence of his generous heart occurred when he gathered together all his pocket money, which only amounted to a few pence, and solemnly handed it over to her. But he is no angel as Carolyn saw when she visited Highgrove. Diana had just finished a swim in the open air pool and had changed into a white toweling dressing gown as she waited for William to follow her. Instead he splashed about as though he were drowning and slowly sank to the bottom. His mother, not knowing whether it was a fake or not, struggled to get out of her robe. Then, realizing the urgency, she dived in still in her dressing gown. At that moment he resurfaced, shouting and laughing at the success of his ruse. Diana was not amused. Generally William is a youngster who displays qualities of responsibility and thoughtfulness beyond his years and enjoys a close rapport with his younger brother whom friends believe will make an admirable adviser behind the scenes when William eventually becomes king. Diana feels that it is a sign that in some way they will share the burdens of monarchy in the years to come. Her approach is conditioned by her firmly held belief that she will never become queen and that her husband will never become King Charles III.
Andrew Morton (Diana: Her True Story in Her Own Words)
You can reduce risk by building up your investments slowly with regular, periodic investments over time. Investing regular amounts monthly or quarterly will ensure that you put some of your money to work during favorable periods, when prices are relatively low. Investment advisers call this technique “dollar-cost averaging.” With equal dollar investments over time, the investor buys fewer shares when prices are high and more shares when prices are low. It won’t eliminate risk but it will ensure that you don’t buy your entire portfolio at temporarily inflated prices. The
Burton G. Malkiel (The Elements of Investing: Easy Lessons for Every Investor)
A young gentleman, inspired for whatever motive to take the cross, had first to raise his passage money, often by mortgaging his land or by ceding some feudal rights. He heard a farewell sermon in his village church and kissed his friends and kinsmen good-by, very likely for ever. Since the road across Asia Minor had become increasingly unsafe, he rode to Marseilles or Genoa and took passage with a shipmaster. He was assigned a space fixed at two feet by five in the ‘tween decks; his head was to lie between the feet of another pilgrim. He bargained for some of his food with the cargador, or chief steward, but he was advised to carry provisions of his own - salt meat, cheese, biscuit, dried fruits, and syrup of roses to check diarrhea.
Morris Bishop (The Middle Ages)
Though media outlets are increasingly on the lookout for good stories, there are still challenges to getting exposure. Tens of thousands of companies are clamoring for media coverage. Jason Kincaid, a former reporter at TechCrunch, told us that he got pitched over 50 times each day. What gets a reporter’s attention? Milestones: raising money, launching a new product, breaking a usage barrier, a PR stunt, big partnership or a special industry report. Each of these events is interesting and noteworthy enough to potentially generate some coverage. Jason advises bundling smaller announcements together into one big announcement whenever possible. Breaking a useage barrier is great. Releasing a new version is noteworthy. But releasing a new version and breaking a usage barrier in the process is even more compelling.
Gabriel Weinberg (Traction: A Startup Guide to Getting Customers)
I once had a foreign exchange trader who worked for me who was an unabashed chartist. He truly believed that all the information you needed was reflected in the past history of a currency. Now it's true there can be less to consider in trading currencies than individual equities, since at least for developed country currencies it's typically not necessary to pore over their financial statements every quarter. And in my experience, currencies do exhibit sustainable trends more reliably than, say, bonds or commodities. Imbalances caused by, for example, interest rate differentials that favor one currency over another (by making it more profitable to invest in the higher-yielding one) can persist for years. Of course, another appeal of charting can be that it provides a convenient excuse to avoid having to analyze financial statements or other fundamental data. Technical analysts take their work seriously and apply themselves to it diligently, but it's also possible for a part-time technician to do his market analysis in ten minutes over coffee and a bagel. This can create the false illusion of being a very efficient worker. The FX trader I mentioned was quite happy to engage in an experiment whereby he did the trades recommended by our in-house market technician. Both shared the same commitment to charts as an under-appreciated path to market success, a belief clearly at odds with the in-house technician's avoidance of trading any actual positions so as to provide empirical proof of his insights with trading profits. When challenged, he invariably countered that managing trading positions would challenge his objectivity, as if holding a losing position would induce him to continue recommending it in spite of the chart's contrary insight. But then, why hold a losing position if it's not what the chart said? I always found debating such tortured logic a brief but entertaining use of time when lining up to get lunch in the trader's cafeteria. To the surprise of my FX trader if not to me, the technical analysis trading account was unprofitable. In explaining the result, my Kool-Aid drinking trader even accepted partial responsibility for at times misinterpreting the very information he was analyzing. It was along the lines of that he ought to have recognized the type of pattern that was evolving but stupidly interpreted the wrong shape. It was almost as if the results were not the result of the faulty religion but of the less than completely faithful practice of one of its adherents. So what use to a profit-oriented trading room is a fully committed chartist who can't be trusted even to follow the charts? At this stage I must confess that we had found ourselves in this position as a last-ditch effort on my part to salvage some profitability out of a trader I'd hired who had to this point been consistently losing money. His own market views expressed in the form of trading positions had been singularly unprofitable, so all that remained was to see how he did with somebody else's views. The experiment wasn't just intended to provide a “live ammunition” record of our in-house technician's market insights, it was my last best effort to prove that my recent hiring decision hadn't been a bad one. Sadly, his failure confirmed my earlier one and I had to fire him. All was not lost though, because he was able to transfer his unsuccessful experience as a proprietary trader into a new business advising clients on their hedge fund investments.
Simon A. Lack (Wall Street Potholes: Insights from Top Money Managers on Avoiding Dangerous Products)
The attempt to manage conflicts through regulation has failed because it has spawned complex rules without achieving its underlying objective. Those who handle other people’s money, or advise on the management of other people’s money, are agents of those whose money it is. Financial intermediaries can act as custodians of other people’s money, or they can trade with their own money, but they must not do both at the same time. The effective application of principles of loyalty and prudence towards clients, and insistence that conflicts of interest be avoided, puts an end to the current business model of the investment bank, which relies on its multiplicity of activities to provide ‘the Edge’.
John Kay
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To get on the financial Fast Track, become an expert at solving a certain type of problem. Do not diversify like Type-B investors are advised to do. Become an expert at solving one type of problem, and people will come to you with money to invest.
Robert T. Kiyosaki (Rich Dad's CASHFLOW Quadrant: Rich Dad's Guide to Financial Freedom)
Trick #1 for Farming Humans is the ability to invisibly commit crime. Chapter 1, Page 9, Ring of Gyges Trick #2 for Farming Humans is to allow professionals to create rigged systems or self serving social constructs. Chapter 4, page 28 (Lawyers who serve corporate interests are often incentivized to assist in harming the society to increase their own security. SEC, Bernie Madoff, Corporations as invisible friends, Money laundering assistance) Trick #3 in Farming Humans is making it legal for insider manipulation of public markets for private gain. (Boeing CEO) page 32 Trick #4 for Farming Humans is Justice prefers to look only down…rarely up towards power. Chapter 5, page 33. Trick #5 for Farming Humans is “let us create the nation’s money”. What could go wrong? Found in Chapter 7 on page 38. Trick # 6 in the game of Farming Humans, to create something which gives a few men an elevated status above the rest. Southern Pacific Railroad taxes, to Pacific Gas and Electric deadly California fires, to Boeing aircraft casualties. Paper “persons” cannot be arrested or jailed. Trick #7 for Farming Humans is a private game of money creation which secretly “borrowed” on the credit backing of the public. Chapter 9, page 51. Federal Reserve. Trick #8 for Farming Humans is seen in the removal of the gold backing of US dollars for global trading partners, a second default of the promises behind the dollar. (1971) Chapter 15, page 81 Trick #9 for Farming Humans is being able to sell out the public trust, over and over again. Supreme Court rules that money equals speech. Chapter 16, page 91. Trick #10 for Farming Humans is Clinton repeals Glass Steagall, letting banks gamble America into yet another financial collapse. Chapter 17, page 93. Trick #11 for Farming Humans is when money is allowed to buy politics. Citizens United, super PAC’s can spend unlimited money during campaigns. Chapter 18, page 97. Trick #12 for Farming Humans is the Derivative Revolution. Making it up with lawyers and papers in a continual game of “lets pretend”. Chapter 19, page 105. Trick #13 for Farming Humans is allowing dis-information to infect society. Chapter 20, page 109. Trick #14 for Farming Humans is substitution of an “advisor”, for what investors think is an “adviser”. Confused yet? The clever “vowel movement” adds billions in profits, while farming investors. Trick #15 for Farming Humans is when privately-hired rental-cops are allowed to lawfully regulate an industry, the public gets abused. Investments, SEC, FDA, FAA etc. Chapter 15, page 122 Trick #16 for Farming Humans is the layer of industry “self regulators”, your second army of people paid to “gaslight” the public into thinking they are protected.
Larry Elford (Farming Humans: Easy Money (Non Fiction Financial Murder Book 1))
If you will allow me one more analogy: Suppose you engage someone to “advise” you on your investments, believing that the person you engaged was duty bound to act only on your behalf and acting as your agent to advise you. Now imagine that in secrecy, the person you trust is acting as a commission sales agent for the investment dealer, and not acting as an agent on your behalf as you are led to believe. There is a deception of “dual agency” involved in this, or one of “undisclosed dual agency.” But “self” regulation ensures that this type of fraud is “unseen”. This is how millions of investors in North America are duped into believing falsified professional credentials, and into investing their life savings under false pretenses. Imagine how much money the investment selling industry can make by this deceptive bait and switch, with virtually no member of the investing public told of it. Most regulators and “self”-regulators could be considered the paid, professional “gaslighters” of today. Gaslighting is the deepest kind of moral wrong. When it is practiced by industry regulators to protect their industry, it harms and farms society.
Larry Elford (Farming Humans: Easy Money (Non Fiction Financial Murder Book 1))
Stock brokers, and investment salesmen (few women were allowed back then) could only give “advice” on an investment transaction if it were “solely incidental” to the sales transaction. “Solely incidental” was (and still is) the term found in the US Securities law (Sec 202, INVESTMENT ADVISERS ACT OF 1940) that legislated the responsibilities in the industry. In loose terms it meant that the broker (salesperson) was not able to give advice, unless it was of such minor proportions as to be “solely incidental to the conduct of his business as a broker…
Larry Elford (Farming Humans: Easy Money (Non Fiction Financial Murder Book 1))
that does not make sense, see Warren Buffet’s explanation in the biography, “SNOWBALL”, by Alice Schroeder. In the book Buffet uses a medical analogy to describe the different roles between “advice provider” and “product seller”. He uses the analogy of the medical industry “advice prescriber” (a doctor), or the “pill salesman” (drug sales rep). Buffet worked in both investment salesperson and investment adviser roles during his career and he knows this difference better than anyone on the planet. The advisor or adviser vowel-movement trick, gives nearly one million financial “pill sellers” in North America a clever, yet deceptive way of influencing how the public invests. It allows 90-day-qualified sales reps, to pretend to be financial “doctors”. All it takes is a few thousand well paid regulators. (“say…did he say he was an “adviser, or an advisor?”) The public never asks their doctor whether their medical license is spelled “Doctor” or “Docter”, and the financial industry has learned to use that “vowel movement” trick to their billion dollar profit advantage.
Larry Elford (Farming Humans: Easy Money (Non Fiction Financial Murder Book 1))
Goldman would provide M&A advice as well as involve its foreign exchange desk to handle the currency exchange for the purchase price. If Goldman missed the deal—meaning our bankers were not involved—then proprietary trading might possibly be involved in merger arbitrage (oftentimes, Goldman would make more money in proprietary merger arbitrage than if it had been hired to advise on the deal). Goldman ensured that we looked at each transaction and each flow and had some way to make money from it.
Steven G. Mandis (What Happened to Goldman Sachs: An Insider's Story of Organizational Drift and Its Unintended Consequences)
What’s Your Foreign Policy? Investing in foreign stocks may not be mandatory for the intelligent investor, but it is definitely advisable. Why? Let’s try a little thought experiment. It’s the end of 1989, and you’re Japanese. Here are the facts: Over the past 10 years, your stock market has gained an annual average of 21.2%, well ahead of the 17.5% annual gains in the United States. Japanese companies are buying up everything in the United States from the Pebble Beach golf course to Rockefeller Center; meanwhile, American firms like Drexel Burnham Lambert, Financial Corp. of America, and Texaco are going bankrupt. The U.S. high-tech industry is dying. Japan’s is booming. In 1989, in the land of the rising sun, you can only conclude that investing outside of Japan is the dumbest idea since sushi vending machines. Naturally, you put all your money in Japanese stocks. The result? Over the next decade, you lose roughly two-thirds of your money. The lesson? It’s not that you should never invest in foreign markets like Japan; it’s that the Japanese should never have kept all their money at home. And neither should you. If you live in the United States, work in the United States, and get paid in U.S. dollars, you are already making a multilayered bet on the U.S. economy. To be prudent, you should put some of your investment portfolio elsewhere—simply because no one, anywhere, can ever know what the future will bring at home or abroad. Putting up to a third of your stock money in mutual funds that hold foreign stocks (including those in emerging markets) helps insure against the risk that our own backyard may not always be the best place in the world to invest.
Benjamin Graham (The Intelligent Investor)
The funniest part of life is: “We judge others, not knowing our own mistakes; We advise others, not knowing we also need to follow; We gossip about others, not knowing others do gossip about us; We think negative comparing with others, not knowing we are far better than others; We say we are unlucky, not knowing how much lucky we are in terms of many things; We say no time, not knowing how much time we waste in reality; We say no money, not knowing how much is spent on unnecessary things; We don’t respect elders when we are young, not knowing we too get old; In life there are ‘known knowns”, ‘known unknowns’, unknown unknowns’, but there are ‘knowingly unknowns’ which is the funniest part of life.
Venu CV
Put in your mind Death and here After , Advisable like you put money in your mind.
Sadiq Zakariyyah