Advising Money Quotes

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.

Treat your advices like your money, don't give it to others unless they ask for it.

I speak less because my words are precious and my advices are priceless.

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.

Where large sums of money are concerned, it is advisable to trust nobody.

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

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.

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.

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.

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

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

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.

He advised that I could invest in stocks to make money. Given that I have a negative balance, that was where the conversation stopped.

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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.

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'.

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.

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.

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.

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.

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.

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.

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

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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.

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.

TRUMP EVENTUALLY REALIZED THAT he needed executives with a strong background in running casinos. He scouted the competition and picked Stephen Hyde, a devout Mormon with a large family. The Church of Latter-day Saints opposed gambling, but the casino industry employed many Mormons in key positions, in part because executives believed the faithful wouldn’t be tempted to bet. Hyde was soft-spoken, unflappable, and widely considered one of the nation’s savviest gaming executives, having most recently worked for Trump’s competitor Steve Wynn. Trump, who once wrote, “I can be a screamer,” would occasionally humiliate Hyde by cursing him out in front of other executives. Yet Trump recognized Hyde’s capabilities and entrusted him with a business potentially worth billions of dollars. Hyde was, Trump wrote, “a very sharp guy and highly competitive, but most of all, he had a sense of how to manage to the bottom line.” Trump throughout his career would rely on small circles of advisers, and Hyde became one of Trump’s most trusted associates at the time. That meant some other senior executives felt shut out, unable to convey their concerns to Trump without going through the tight inner circle. Hyde was at the top of that chain of command. Hyde

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.

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

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.

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

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.

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.

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?

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.

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

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.

1.​What is your profession, and what is your business? How do they differ? 2.​What are things you might have counted in your net worth before reading this chapter? How do you view them now? 3.​Are the assets you’re acquiring the type that you love? If not, how can you change that? 4.​What is a time you bought a luxury that your cash flow couldn’t justify? What is a time you did so when it could justify the purchase? Compare how you felt in the two situations, both at the moment of purchase and later. 5.​Have there been people in your family who have spent their whole lives working for someone else, only to end up with nothing? What would you have advised them if you could?

Here is a rule of thumb: if your trade is positioned in the opposite direction of the fastest moving averages, you are losing money. This is obviously not advisable.

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.

If you have profitable holdings, my general approach is to let profits run. Don't sell if you are invested in a company delivering profits and dividend growth year on year. Most of my mistakes have been in selling too soon, although uncomfortably there have been bad selections as well. In the investing world there is wildly different advice: some advisers say sell half a successful holding so the balance stands you in nil cost. Then there is an old Rothschild saying: 'I made my money by selling too soon', i.e. not being too greedy. But generally I would let profits run.

When I was ten years old my father taught me to assess quite rapidly the shifting probabilities on a craps layout: I could trace a layout in my sleep, the field here and the pass line all around, even money on Big Six or Eight, five-for-one on Any Seven. Always when I play back my father’s voice it is with a professional rasp, it goes as it lays, don’t do it the hard way. My father advised me that life itself was a crap game: it was one of the two lessons I learned as a child. The other was that overturning a rock was apt to reveal a rattlesnake. As lessons go those two seem to hold up, but not to apply.

Is it really safe to invest in stocks? To answer that question, we would really first need to ask ourselves: what is safe after all? More so, what is safe in business? The answer would be “NOTHING”. Here it is – the stark reality: all businesses have their risks and as far as risks are concerned, the stock market is just another kind of business; that is it! All deep-rooted and unbeaten stock market will advise you on the affirmative. Yet the faint possibility remains that you, at the same time, will without doubt happen upon other stock market players who have done pathetically in the stock market. These traders, when their opinion is sought, will not leave a stone unturned in advising you to steer clear of the stock market. Mystified whose advice you should take? Fine, both are correct in their own points of view. To cross the threshold into well-paid stock market share trading in the marketplace of any place in the human race, it is to a great extent compulsory that you are geared up with the inclusive fluency of the sod above and beyond in receipt of rationalized with the up to date market shifts so that you prefer no less than probable stocks. In essence then can day businesses bear out valuable? If you are in a job in a different place and are unable to have a look at the trade area under conversation well again, it is advisable that you should not make your mind up on daylight trading. You will in point of fact happen upon other forms of trade which do not necessitate your day and night inspection. You in all probability will chew over those as well. Affecting the traders It would also be a reasonable word of warning to say publicly that the stock market affects different types of traders differently. There are cases in point of a lot of investors who have become cleaned out. Putting on next to nothing information and gambling into the share market perceiving others producing immense wealth possibly will provide evidence of being hazardous for you. You could wind up bringing up the rear to your richly deserved wealth and habitual failures will very soon plead your case before you to make your way out from the stock market panorama. Stage-managing and putting on unconditional awareness previous to putting money in will certainly twirl the bazaar in your prop up. Outline your objectives You will of course call for to outline your objectives and endeavor to come across the varied working expenditure alternatives in the stock market. At the beginning decide on fragile investments with the intention that even though you put on or incur fatalities, you will in next to no time gain knowledge of the ins and outs of the deal. Just the once you are contented, you can settle on volume funds. You in all probability will decide on each and every one of the three dealing preferences, specifically day business, short-term trading and enduring investment. At one fell swoop given your institution of resource of profits is exclusively the stock market; you will be able to broaden the horizons of your venture ambitions to a larger extent, for instance conjecture in mutual funds, money futures, product futures, and supplementary endeavor goods. You can accordingly keep up equilibrium of your ventures and disappointments if a few will by a hair's breadth inconvenience you. Seeking singular venture alternatives will additionally comply to you eloquent which one goes well with you the most excellent and you can in that case put in funds in capacity in the unwritten prospect. Make the best use of stock market It often comes to our notice that the stock market if used fine provides us with an exceptionally excellent occasion to put together loads of wealth and in addition utilize the stock market as our principal foundation of revenue. There are also the risks yet the faint possibility remains that risks are everywhere, in every trade.

1930s Preserving The Arts of Peace The decade before the Second World War started much like the previous one. The stock exchange had crashed, there were 3 million unemployed, a 1931 hunger march was dispersed with baton charges, and the 'Bright Young Things' and their elder bluestocking systers veered towards the Left. 'If you haven't lost money,' advised Vogue, 'pretend you have. Mayfair has gone native; no champagne, and dinner cut to two courses.' Servants were released. One served one's own cocktails or perhaps copied Mademoiselle Chanel and arranged 'buffet-style meals'. 'Guests toss their own salads!' reported Vogue. To flaunt wealth would not do at all - 'one is still grand, but one is poor,' remarked Cecil Beaton.

An Italian mercenary, Gian Giacomo Trivulzio, who once advised the King of France, had said it the best when he claimed, “to carry out war three things are necessary; money, money and yet more money.

For my money, training a pointing dog is really a matter of respecting and refining the dog's instincts, and then getting the hell out of the way. As a friend of mine, a first-rate professional handler in our Northeast Kingdom, once put it to me: "Some guys pay me $2,500 for training their bird dogs, but most of it should go into training them." Or, as the late Bill White of Washington County, Maine, once advised me when I was green to this business: Soon as you learn that your dog knows more than you do, you'll be ready to use him right." - Sydney Lea in the story 'Blessed'.

Being technically specialized has its strengths as well as its weaknesses. I have friends who are geniuses, but they cannot communicate effectively with other human beings and, as a result, their earnings are pitiful. I advise them to just spend a year learning to sell. Even if they earn nothing, their communication skills will improve. And that is priceless.

Kopiaō (labor) means to work to the point of exhaustion. People sometimes tell me that I work too hard. But compared to Paul, I am not working hard enough. It saddens me to hear of pastors or seminary students who are looking for an easy pastorate. When I was a young pastor, a lady (who did not know I was a pastor) advised me to go into the ministry. When I asked her why, she replied that ministers did not have to do anything and could make lots of money. No one would get that idea by observing Paul. Concerning those who denigrated his ministry, he wrote: Are they servants of Christ? (I speak as if insane) I more so; in far more labors, in far more imprisonments, beaten times without number, often in danger of death. Five times I received from the Jews thirty-nine lashes. Three times I was beaten with rods, once I was stoned, three times I was shipwrecked, a night and a day I have spent in the deep. I have been on frequent journeys, in dangers from rivers, dangers from robbers, dangers from my countrymen, dangers from the Gentiles, dangers in the city, dangers in the wilderness, dangers on the sea, dangers among false brethren; I have been in labor and hardship, through many sleepless nights, in hunger and thirst, often without food, in cold and exposure. Apart from such external things, there is the daily pressure upon me of concern for all the churches. (2 Cor. 11:23-28) No one can successfully serve Jesus Christ without working hard. Lazy pastors, Christian leaders, or laymen will never fulfill the ministry the Lord has called them to. Striving is from agōnizomai, which refers to competing in an athletic event. Our English word agonize is derived from it. Success in serving the Lord, like success in sports, demands maximum effort. Lest anyone misunderstand him, Paul says that he strives according to His power, which mightily works within me. All his toil and hard labor would have been useless apart from God’s power in his life.

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.

From his headquarters in Los Angeles, Bob Lorsch had entered the prepaid calling card space and built SmarTalk into a success. I was a VP at Salomon at the time and had heard stories about how crazy and fascinating Lorsch was, so I agreed to work with my colleague Mark Davis on a SmarTalk equity offering a year or so after the company’s IPO. We met at their Los Angeles offices at lunchtime. Lorsch burst into the room like a bad caricature of Danny DeVito, and even though I’d been warned that he was an unconventional CEO, I still wasn’t prepared for the encounter. We had put together the standard detailed presentation that analyzed the state of the public equity markets, how the SmarTalk stock had been performing, who owned it, et cetera. A young Salomon analyst who had been pulling all-nighters to assemble the books sat in a chair near the door. Mark and I passed around the presentation books. “So we’ve prepared a—” I started. “Just tell me,” Lorsch interjected. “Do we have Grubman or not?” Jack Grubman, Salomon’s famed equity analyst, had previously endorsed the SmarTalk IPO with a buy rating. “Yes,” Mark said. “We have Jack. We talked to him prior to the meeting and confirmed that he’ll continue to cover the company and support the offering.” “Then you’re hired,” Lorsch said with a smile, pushing his unopened book to the center of the table. “Let’s eat.” It seemed reckless to have made his decision on so little information, and I could only imagine how the analyst kid near the door felt, sleep-deprived and probably proud of his hard work, only to see the book tossed aside without so much as a cracking of the spine. While we ate the catered lunch that was delivered to the conference room, Mark mentioned that I was in the midst of planning my wedding for that summer. “Don’t get married!” Lorsch advised me. “Terrible, terrible idea.” He described a few of his own ill-fated unions, dropping in crude one-liners to punctuate the stories: “Why buy when you can rent? . . . If it flies, floats, or fucks, don’t buy it! . . .” Despite

Those who advise you against taking risks are limiting your pathways to opportunity and wealth.

A good accountant or financial adviser is a kind of artist. You can turn people’s money into the most amazing creative possibilities, things they would never have dreamed of.

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.

Later that afternoon, Poindexter drafted a statement incorporating the president's instructions. "As has been the case at a n umber of similar meetings with the president and his senior advisers, there was unanimous support for the president's decisions," Poindexter wrote. He sent the text to Shultz's plane, which was taking the secretary of state on a long-planned trip to Central America. Shultz read the statement. "That's a lie," Shultz told his executive assistant, Charles Hill. "It's Watergate all over again." As far as Shultz was concerned, Poindexter and Casey had set up their own foreign policy, one based on secret deals and operations. Congress and even Shultz's own money and was making policy. The CIA was supposed to be neutral, and it had become a rival in making foreign policy. By cable, Shultz told Poindexter, "It says there was unanimous support for the president's decisions. That is not accurate. I can't accept that sentence. Drop the last word." Poindexter grudgingly agreed to the change, omitting the word "decisions" so the statement that was released oddly said, "There was unanimous support for the president.

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.

Put in your mind Death and here After , Advisable like you put money in your mind.

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.

Put together two stock market forecasts - one predicting that prices will rise next month and one warning of a drop. Send the first mail to fifty thousand people and the second mail to a different set of fifty thousand. Suppose that after one month, the indices have fallen. Now you can send another mail, but this time only to the fifty thousand who received the correct prediction. This fifty thousand you divide into two groups: the first half learns prices will increase next month, and the second half discovers they will fall. Continue doing this. After ten months, around a hundred people will remain, all of whom you have advised impeccably. From their perspective, you are a genius. You have proven that you are truly in possession of prophetic powers. Some of these people will trust you with their money. Take it and start a new life in Brazil.

Overall, US equity investments increased four or five times on average (before taxes, investment adviser fees, and other costs), and Berkshire Hathaway advanced from $12,000 to almost $150,000, fell to $75,000 during the crisis, then rose above $200,000 per share in 2016. When the crisis of 2008 struck, equities lost half their value before rebounding. As tax receipts shriveled, the massive deficits of the US government were echoed at state and local levels. The safety of municipal bonds no longer seemed so assured. However, although they would have done better in equities, they still had enough money and, feeling safe, didn’t worry as they would have done watching the ups and downs in the value of a stock portfolio.

Let us turn now to a study of a small Newfoundland fishing village. Fishing is, in England at any rate – more hazardous even than mining. Cat Harbour, a community in Newfoundland, is very complex. Its social relationships occur in terms of a densely elaborate series of interrelated conceptual universes one important consequence of which is that virtually all permanent members of the community are kin, ‘cunny kin’, or economic associates of all other of the 285 permanent members. The primary activity of the community is cod fishing. Salmon, lobster, and squid provide additional sources of revenue. Woodcutting is necessary in off-seasons. Domestic gardening, and stints in lumber camps when money is needed, are the two other profitable activities. The community's religion is reactionary. Women assume the main roles in the operation though not the government of the churches in the town. A complicated system of ‘jinking’ – curses, magic, and witchcraft – governs and modulates social relationships. Successful cod fishing in the area depends upon highly developed skills of navigation, knowledge of fish movements, and familiarity with local nautical conditions. Lore is passed down by word of mouth, and literacy among older fishermen is not universal by any means. ‘Stranger’ males cannot easily assume dominant positions in the fishing systems and may only hire on for salary or percentage. Because women in the community are not paid for their labour, there has been a pattern of female migration out of the area. Significantly, two thirds of the wives in the community are from outside the area. This has a predictable effect on the community's concept of ‘the feminine’. An elaborate anti-female symbolism is woven into the fabric of male communal life, e.g. strong boats are male and older leaky ones are female. Women ‘are regarded as polluting “on the water” and the more traditional men would not consider going out if a woman had set foot in the boat that day – they are “jinker” (i.e., a jinx), even unwittingly'. (It is not only relatively unsophisticated workers such as those fishermen who insist on sexual purity. The very skilled technicians drilling for natural gas in the North Sea affirm the same taboo: women are not permitted on their drilling platform rigs.) It would be, however, a rare Cat Harbour woman who would consider such an act, for they are aware of their structural position in the outport society and the cognition surrounding their sex….Cat Harbour is a male-dominated society….Only men can normally inherit property, or smoke or drink, and the increasingly frequent breach of this by women is the source of much gossip (and not a negligible amount of conflict and resentment). Men are seated first at meals and eat together – women and children eating afterwards. Men are given the choicest and largest portions, and sit at the same table with a ‘stranger’ or guest. Women work extremely demanding and long hours, ‘especially during the fishing season, for not only do they have to fix up to 5 to 6 meals each day for the fishermen, but do all their household chores, mind the children and help “put away fish”. They seldom have time to visit extensively, usually only a few minutes to and from the shop or Post Office….Men on the other hand, spend each evening arguing, gossiping, and “telling cuffers”, in the shop, and have numerous “blows” (i.e., breaks) during the day.’ Pre-adolescents are separated on sexual lines. Boys play exclusively male games and identify strongly with fathers or older brothers. Girls perform light women's work, though Faris indicates '. . . often openly aspire to be male and do male things. By this time they can clearly see the privileged position of the Cat Harbour male….’. Girls are advised not to marry a fisherman, and are encouraged to leave the community if they wish to avoid a hard life. Boys are told it is better to leave Cat Harbour than become fishermen....

Ben-Gurion turned to one of his most trusted advisers: Labor Minister Golda Meir. He sent Meir to the United States on a fund-raising trip. The American-reared minister had collected $50 million from American Jewish donors prior to the War of Independence, money that proved decisive in allowing Israel to acquire much-needed arms. She had saved the country once; now she was being asked to do so again. Meir told her American audience:

Old men are always advising young men to save money. That is bad advice. Don’t save every nickel. Invest in yourself.

Investment firms are buying up more vacation homes, aiming to cash in on growing demand from tourists and remote workers. Most vacation rental homes are owned by small-time owners who list their properties on websites such as Airbnb Inc., but the number of financial firms investing in the sector is growing. New York-based investment firm Saluda Grade is launching a venture with short-term- rental operator AvantStay Inc. to buy about $500 million of homes, the companies said Tuesday. Saluda Grade said it is also looking to raise debt by selling mortgage bonds backed by its homes to investors, the first vacation-rental mortgage securitization, according to the company. Andes STR, a startup that buys and manages short-term rental homes on behalf of investors, also recently signed a deal with Chilean investment firm WEG Capital to buy roughly $80 million of properties in the U.S., Andes said. These investors are betting they can get higher returns if they rent out homes by the night instead of by the year. Low-interest rates have made it more attractive to borrow and Buy Traditional Rental Homes, inflating property prices and making it harder for new buyers to turn a profit. That has prompted some institutions and wealthy families to look in more obscure corners of the property market where competition is smaller, investment advisers say. Some are turning to investments in vacation homes, where demand has surged in many places during the pandemic as more people choose to work from remote locations and leisure travel heated up last year. “There’s a lot more yield available in the short-term market,” said Saluda Grade’s chief executive, Ryan Craft. It is the latest sign of how the pandemic is changing the way people work and live, and how real-estate investors are angling to find new ways to profit from these shifts. Saluda Grade is targeting homes within driving distance of major population centers, Mr. Craft said. His company will buy the homes and AvantStay will manage them for a fee. But while vacation-rental homes can offer higher returns, they also pose challenges to investors. Mortgages are usually more expensive and harder to get for short-term rentals than for owner-occupied homes, said Giri Devanur, CEO of reAlpha Tech Corp., a startup that wants to pool money from small-time investors to buy short-term-rental homes.

Larry Kudlow, the president’s chief economic adviser, had been questioning the seriousness of the situation. He couldn’t square the apocalyptic forecasts with the bouyant stock market. “Is all the money dumb?” he wondered. “Everyone’s asleep at the switch? I just have a hard time believing that.”*

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.

Whenever I see everyone rushing to bet their money on what’s hot, I remind myself of Bernard Baruch, the Wall Street legend and adviser to U.S. presidents. During the stock-market craze of the late 1920s, Baruch stopped for a shoeshine one day and the guy working on his shoes began giving him stock tips. His shoes looking fine, Baruch headed back to the office—and sold everything. I had my own Bernard Baruch moment in mid-1998 as most people were transfixed by the astonishing and continued rise of a group of glamour tech stocks.

I wanted to get the story from Nick personally; so Ray Stone set up an interview for a Sunday afternoon in October 2007. Before the day came, Ray advised that if I wanted to talk to Nick, who had Lou Gehrig’s Disease, before he died, I had better telephone him, which I did, at once, on October 7. He confirmed the story and identified “Virginia” as CIA Headquarters in Langley. He also told me about a UFO landing near Winnipeg, Manitoba, that had not been publicized. A few days later he passed to his reward.

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…

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.

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.

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.

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.

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.

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.

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?

Most arts organizations have a development committee or a finance committee composed of interested and knowledgeable board members, but very few have a technology committee that can advise on new uses of technology and provide access to expertise or equipment. Technology is not a cure-all for the arts, or even for arts marketing. Without the right data and strategy—along with great arts programming—new technology can simply become an under-utilized (and expensive) toy. While the potential of new technology excites many people, including board members looking for answers to the income gap, all expenses must be viewed in context. If we are spending money on x, then we have to take it from y. Such trade-offs are never simple, especially when the choice is between technology and art. It bears repeating that no marketing technology can take the place of good art. Too many boards focus on a new Web site as the answer for a struggling organization, even as the art is being pruned back and made less interesting. New electronic technologies do not create new audiences, they only provide access to information.

1. The conglomerate movement, “with all its fancy rhetoric about synergism and leverage.” 2. Accountants who played footsie with stock-promoting managements by certifying earnings that weren’t earnings at all. 3. “Modern” corporate treasurers who looked upon their company pension funds as new-found profit centers and pressured their investment advisers into speculating with them. 4. Investment advisers who massacred clients’ portfolios because they were trying to make good on the over-promises that they had made to attract the business. 5. The new breed of investment managers who bought and churned the worst collection of new issues and other junk in history, and the underwriters who made fortunes bringing them out. 6. Elements of the financial press which promoted into new investment geniuses a group of neophytes who didn’t even have the first requisite for managing other people’s money—namely, a sense of responsibility. 7. The securities salesmen who peddle the items with the best stories—or the biggest markups—even though such issues were totally unsuited to the customers’ needs. 8. The sanctimonious partners of major investment houses who wrung their hands over all these shameless happenings while they deployed an army of untrained salesmen to forage among even less trained investors. 9. Mutual fund managers who tried to become millionaires overnight by using every gimmick imaginable to manufacture their own paper performance. 10. Portfolio managers who collected bonanza incentives of the “heads I win, tails you lose” kind, which made them fortunes in the bull market but turned the portfolios they managed into disasters in the bear market. 11. Security analysts who forgot about their professional ethics to become storytellers and let their institutions be taken in by a whole parade of confidence men. This was the “list of horrors that people in our field did to set the stage for the greatest blood bath in forty years,

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.

organisers of weight-guessing competitions and advisers helping people to refine their guesses.

A month after the fall of the Berlin Wall the US invaded Panama, killing a couple of hundred or maybe a couple of thousand people, destroying poor neighborhoods, reinstating a regime of bankers and narcotraffickers—drug peddling and money laundering shot way up, as congressional research bureaus soon advised—and so on. That’s normal, a footnote to history, but there were two differences: one difference is that the pretexts were different. This was the first intervention since the beginning of the Cold War that was not undertaken to defend ourselves from the Russians. This time, it was to defend ourselves from Hispanic narcotraffickers. Secondly, the US recognized right away that it was much freer to invade without any concern that somebody, the Russians, might react somewhere in the world, as former Undersecretary of State Abrams happily pointed out.

He sent Nelson a quotation that he attributed to Aristotle, instructing him in the importance of philanthropy, not money indiscriminately handed out but carefully considered giving. He advised, "Things which admit of use may be used either well or badly.... Anybody can give or spend money but to give the right amount of it at the right time and for the right cause and in the right way, that is not what anybody can do, nor is it easy. That is the reason why it is rare and laudable and noble to do well."8

So, while it’s clearly in the interests of your pension provider and financial adviser to get hold of your money as soon as they can, it’s probably in your interest to buy your annuity as late as possible or

She said that too.” His voice was low key and modest. The accent, which was not very pronounced, had the gentle burr of the Scottish professional classes. This was an accent that would score highly in those tests of reliability that newspapers liked to carry out—those surveys that tended to reveal that a mild Scottish accent in a bank manager or financial adviser inspired more public trust than any other voice. By the same token, although the surveys were never so tactless as to point it out, people were reluctant to take investment recommendations from a person with a very strong Irish accent. There was no objective reason for this, of course, even if Ireland had created a property bubble of gargantuan proportions in the days of easily borrowed money. These views were tied in with old perceptions, and were slow to change, even in the face of hard evidence.

It boasted a "large collection of used and rare books in excellent condition."  Its "knowledgeable staff" could advise instantly if a particular title was in stock.  Dotterling himself was available to "exhaust book acquisition resources worldwide" for clients seeking an especially rare volume.  Apparently Borderline Books was a place for people with too much money and nothing productive to do but pay exorbitantly for literary trophies. In

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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.

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

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.

It is way less foolish to throw your money away than it is to use it to buy and then consume things such as cigarettes.

With or without his senior advisers, this was the moment for Trump to make the American interest clear—namely, that the Kremlin’s hacking of the election amounted to ill-considered interference. And that any attempt by Moscow to do the same in 2018 or 2020 would lead to a stringent U.S. response—more sanctions, travel bans, even a cutoff of Russia’s access to the SWIFT banking payments system. Putin would interpret anything less than this as American weakness. And, practically, a green light for his operatives to tamper again in Washington’s affairs. All done, of course, under the same cover of plausible deniability. There was no official hacking, the government wasn’t involved, et cetera. Apparently, Trump said none of this.

Ann and Abby, for the most part, remained aloof and practical. The position of the advice columnist, as they both defined it, was an inherently centrist one. It was their job to be dispassionate, to base their advice on social averages. 'Do not agree to engage in any practice you consider frightening, abnormal, or weird,' Abby once advised a reader. The Friedman sisters were not moral heroes. They lacked Dorothy Dix's empathy. 'I'm sorry' was not in their vocabulary. They could be intolerant and cruel and mocked people in distress-- Abby especially. But they never cast themselves as ethicists. They weren't interested in what was right; they were interested in what was normal. They saw themselves as keepers of the social curve. Their advice was a reminder of what was expected of their readers: to buck up, respect their commitments, not be weird. Abby preached acceptance... partly because forgiveness was more efficient than the alternative. She seemed to think that emotions were a waste of time. Eppie was similar. Her response to conflict was either to "dismiss it or rationalize it," as one friend told Carol Felsenthal.

Myron said that he knew nothing of ‘Hurlothrumbo’, or any other game. “I have noticed that when these games are played, money changes hands. If I played and won, it would give me no pleasure; but if I lost, I would be haunted by remorse. I would also feel foolish.” Schwatzendale showed his crooked grin. “You do not understand the joy of the hunt. To gamble is to play at prehistoric savagery.” “The metaphor is apt,” said Wingo. “The victor is a cannibal, feeding upon the substance of the victim.” “That is the thrust of our instincts!” Schwatzendale explained. “It is the contrast which generates so much triumph — or such tragic despair.” Wingo shook his head. “When Fay gambles, he often forgets what I shall call ‘amour propre’.” He addressed Myron. “I advise against gambling in general and with Fay in particular. He will deprive you of assets so neatly that you will never notice until you grope in your pocket and find not so much as a soiled handkerchief.” “Wingo is correct!” said Schwatzendale. “Given the chance, I will win the trousers from your arse, so that you have not even a pocket for the groping!” “Fay does not exaggerate,” said Wingo somberly. “Only Moncrief the Mouse-rider has beaten him, and Fay still smarts at the recollection.” Schwatzendale clutched his head. “Why must you utter that name? I shall never rest until —” “Until you have played him again, and lost more money, and known more shame?” “Never, never, never!” “Let us hope not,” said Wingo virtuously.

Do advise me,' he urged, 'as to how I can remove the illusions of the mind and free it from the turmoil to which it is always subjected, and realise God. I am simply caught up in the attachment to wife, house, money and property.' 'You have diagnosed,' Ramdas replied, 'the disease aright and also have a clear understanding of the remedy for it. Know in the first place that the God you seek is within yourself. He is the life and soul of the universe and to attain Him is the supreme purpose of life. Evil and sorrow are due to your belief that you are separate from this universal Truth. The ego has set up this wall of separation. Have a strong and intense longing to realise Him, that is, to know that your life is one with the life of the universe. Then surrender up the ego by constant identification with Him through prayer, meditation and performance of all action without desiring their fruit. As you progress on this path, which is the path of devotion, knowledge and self-surrender, your attachment to the unrealities of life will slacken, and the illusions of the mind will be dispelled. Now your heart will be filled with divine love, and your vision purified and equalised, and your actions will become the spontaneous outflow of your immortal being, yielding you the experience of true joy and peace. This is the culmination of human endeavour and fulfilment of the purpose of life.

That said, it so happens that much of this president’s collusion may in fact be criminal. The particular forms of collusion in which Trump, members of his family who are also political advisers, and his presidential campaign engaged may include aiding and abetting or conspiracy connected to electoral fraud, computer crimes, bribery, and money laundering, as well as acts of witness tampering, making false statements, obstruction of justice, and much more. Conspiracy occurs when two or more persons have a “meeting of the minds” and set as their ambition the commission of a criminal act; the federal conspiracy statute is violated when the parties take an “act in furtherance” of the commission of the intended crime. But the crime does not have to be committed

That said, it so happens that much of this president’s collusion may in fact be criminal. The particular forms of collusion in which Trump, members of his family who are also political advisers, and his presidential campaign engaged may include aiding and abetting or conspiracy connected to electoral fraud, computer crimes, bribery, and money laundering, as well as acts of witness tampering, making false statements, obstruction of justice, and much more. Conspiracy occurs when two or more persons have a “meeting of the minds” and set as their ambition the commission of a criminal act; the federal conspiracy statute is violated when the parties take an “act in furtherance” of the commission of the intended crime. But the crime does not have to be committed for a violation of the conspiracy statute to be found.

The Clinton campaign also had contacts with the Russian government. A Kremlin spokesman, Dmitry Peskov, confirmed that Ambassador Sergei Kislyak met with Clinton advisers because that is part of his job: Well, if you look at some people connected with Hillary Clinton during her campaign, you would probably see that he [Kislyak] had lots of meetings of that kind. There are lots of specialists in politology, people working in think tanks advising Hillary or advising people working for Hillary. 75 But no one in the media made an issue of it. Nor did the FBI investigate the Clintons when Bill traveled to Moscow in June 2010 for a $ 500,000 speech and a meeting with Vladimir Putin. The reason is simple and obvious. The Clintons and their associates were free to speak with Russians or meet with them, just as anyone in the Trump campaign was entitled to do the same. However, as explained in the last chapter, using a public office to confer a benefit to a foreign government in exchange for money, as Clinton may have done, would be illegal.

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

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.

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.

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

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’.

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!

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.

Labor and employment firm Fisher & Phillips LLP opened a Seattle office by poaching partner Davis Bae from labor and employment competitor Jackson Lewis PC. Mr. Bea, an immigration specialist, will lead the office, which also includes new partners Nick Beermann and Catharine Morisset and one other lawyer. Fisher & Phillips has 31 offices around the country. Sara Randazzo LAW Cadwalader Hires New Partner as It Looks to Represent Activist Investors By Liz Hoffman and David Benoit | 698 words One of America’s oldest corporate law firms is diving into the business of representing activist investors, betting that these agitators are going mainstream—and offer a lucrative business opportunity for advisers. Cadwalader, Wickersham & Taft LLP has hired a new partner, Richard Brand, whose biggest clients include William Ackman’s Pershing Square Capital Management LP, among other activist investors. Mr. Brand, 35 years old, advised Pershing Square on its campaign at Allergan Inc. last year and a board coup at Canadian Pacific Railway Ltd. in 2012. He has also defended companies against activists and has worked on mergers-and-acquisitions deals. His hiring, from Kirkland & Ellis LLP, is a notable step by a major law firm to commit to representing activists, and to do so while still aiming to retain corporate clients. Founded in 1792, Cadwalader for decades has catered to big companies and banks, but going forward will also seek out work from hedge funds including Pershing Square and Sachem Head Capital Management LP, a Pershing Square spinout and another client of Mr. Brand’s. To date, few major law firms or Wall Street banks have tried to represent both corporations and activist investors, who generally take positions in companies and push for changes to drive up share prices. Most big law firms instead cater exclusively to companies, worried that lining up with activists will offend or scare off executives or create conflicts that could jeopardize future assignments. Some are dabbling in both camps. Paul, Weiss, Rifkind, Wharton & Garrison LLP, for example, represented Trian Fund Management LP in its recent proxy fight at DuPont Co. and also is steering Time Warner Cable Inc.’s pending sale to Charter Communications Inc. Willkie Farr & Gallagher LLP and Gibson, Dunn & Crutcher LLP have done work for activist firm Third Point LLC. But most firms are more monogamous. Those on one end, most vocally Wachtell, Lipton, Rosen & Katz, defend management, while a small band including Schulte Roth & Zabel LLP and Olshan Frome Wolosky LLP primarily represent activists. In embracing activist work, Cadwalader thinks it can serve both groups better, said Christopher Cox, chairman of the firm’s corporate group. “Traditional M&A and activism are becoming increasingly intertwined,” Mr. Cox said in an interview. “To be able to bring that perspective to the boardroom is a huge advantage. And when a threat does emerge, who’s better to defend a company than someone who’s seen it from the other side?” Mr. Cox said Cadwalader has been thinking about branching out into activism since late last year. The firm is also working with an activist fund launched earlier this year by Cadwalader’s former head of M&A, Jim Woolery, that hopes to take a friendlier stance toward companies. Mr. Cox also said he believes activism can be lucrative, pooh-poohing another reason some big law firms eschew such assignments—namely, that they don’t pay as well as, say, a large merger deal. “There is real money in activism today,” said Robert Jackson, a former lawyer at Wachtell and the U.S. Treasury Department who now teaches at Columbia University and who also notes that advising activists can generate regulatory work. “Law firms are businesses, and taking the stance that you’ll never, ever, ever represent an activist is a financial luxury that only a few firms have.” To be sure, the handful of law firms that work for both sides say they do so

the ones who get up every day and diligently go to work and pay taxes. If they only understood the way the rich play the game, they could play it too. Then they would be on their way to their own financial independence. This is why I cringe every time I hear a parent advise their children to go to school so they can find a safe, secure job. An employee with a safe, secure job, without financial aptitude, has no escape.

My first night with Beck, she told me, 'I had many times in my life where I could have either chased despair or been weird. I chose weird.' Beck says that a third of people who sign up for life-coach training don't know what they want from it. They are looking for something different. Something weird. This is where Beck comes in with her shaman friends and her psychic ponies. Her coaching is designed to give women permission to be weird, because who knows? Beck believes that weirdness, or being open to weirdness, is the key to a more meaningful existence. Dorothy Dix advised women on how to disguise their weirdness; she believed there was always a way, even without a husband, for a woman to contribute to society. Dear Abby and Ann Landers were dogged in their insistence that were only a select number of ways to live. Beck continues in the tradition of Mildred Newman, training her followers to ignore the judgements of others and their own self-doubt. But Newman was concerned only with the health and satisfaction of her patients and readers, wheres Beck thinks all this self-care leads to something awesome, in the most literal sense of the word, that it generates miracles and time travel and a new world order. She senses, perhaps, that this is what her readers need to hear. Newman's followers, especially the celebrity set, were focused on and delighted by their own achievements, but Beck's followers are more self-conscious and coy. Their self-care needs to be justified.

I’ve tried to think of every reason why I should wash my hands of this place. But I keep returning to the conclusion that I owe it to every man, woman, and child on this estate to try and save the estate. Eversby Priory has been the work of generations. I can’t destroy it.” “I think that’s a very admirable decision,” she said with a hesitant smile. His mouth twisted. “My brother calls it vanity. He predicts failure, of course.” “Then I’ll be the counterbalance,” she said impulsively, “and predict success.” Devon gave her an alert glance, and he dazzled her with a quick grin. “Don’t put money on it,” he advised. The smile faded except for a lingering quirk at one corner of his mouth. “I kept waking during the night,” he said, “arguing with myself. But then it occurred to me to wonder what my father would have done, had he lived long enough to find himself in my position.” “He would have saved the estate?” “No, he wouldn’t have considered it for a second.” Devon laughed shortly. “It’s safe to say that doing the opposite of what my father would have done is always the right choice.” Kathleen regarded him with sympathy. “Did he drink?” she dared to ask. “He did everything. And if he liked it, he did it to excess. A Ravenel through and through.” She nodded, thinking of Theo. “It has occurred to me,” she ventured, “that the family temperament isn’t well suited to stewardship.” Amusement glinted in his eyes. “Speaking as a man who has the family temperament in full measure, I agree. I wish I could claim to have a mother from steady, pragmatic stock, to balance out the Ravenel wildness. Unfortunately she was worse.” “Worse?” Kathleen asked, her eyes widening. “She had a temper?” “No, but she was unstable. Flighty. It’s no exaggeration to say there were days at a time when she forgot she even had children.” “My parents were very attentive and involved,” Kathleen volunteered after a moment. “As long as you were a horse.

We’re too focused on the short-term. Experts keep advising us to save and invest, so we can retire in 20 or 30 years. And yet we remain almost exclusively focused on the here and now. Is there a new toy we’re hankering to buy? To persuade us to postpone the purchase for a mere 12 months, somebody would likely have to offer us a huge financial incentive. We are also overly influenced by recent events, including the latest political news, the current crop of economic data, and whether the financial markets have lately been rising or falling. We ascribe great importance to the days and weeks ahead, and not nearly enough to next year, let alone the next 10 years.

Rich dad advised that Mike and I groom ourselves. Many corporations do the same thing. They find a young bright student just out of business school and begin grooming that person to someday take over the company. So these bright young employees do not specialize in one department. They are moved from department to department to learn all the aspects of business systems. The rich often groom their children or the children of others. By doing so, their children gain an overall knowledge of the operations of the business and how the various departments interrelate.

I hope it snows all day and night,” Milton said. “My dad’s letting me borrow his snowblower this winter. I figure I can clean up fifty, sixty bucks after school doing driveways.” “You’re lucky,” Willie said. “My father’d never let me borrow his blower. He thinks I’ll get my fingers or toes sliced off with it.” “You probably would,” Milton said. “You gotta be strong to wrestle a snowblower around.” “I shovel my neighbor’s walk for a dollar,” Jackson said, “and she gives me three dollars to do her driveway.” “That’s all you get for a whole driveway? Boy, are you getting rooked,” Milton said. “Well, she’s old. It’s like doing her a favor.” “I could shovel driveways,” Willie said. “I bet I could.” The idea excited him. That’s how he could earn money. “Finding customers’s not that easy,” Milton advised him. “Everybody’s signed up with a plowing service already. And if they do hire you, they’ll try to rook you because you’re just a kid.” “You mean they don’t pay?” Jackson asked. “I mean--like one guy told me I didn’t do a good enough job, so he was only giving me half. But I fixed him. I blew half the snow right back on his driveway.” “Was he mad?” Jackson asked. “Sure, but so what?” Milton said.

For stocks that have rallied sharply from an absurdly undervalued price, Fidelity fund manager Peter Lynch advised “mental whiteout” of the gains you have missed, in order to focus on today’s opportunity for further gains.

Ivanka Trump joined the show that year to promote the property, playing the role of Trump’s “adviser”—the same amorphous role she now plays in the White House. She pledged to work with that season’s winner, Sean Yazbeck, to manage it.15 But as noted in chapter 2, Trump SoHo appears in significant respects to have been a money-laundering scheme posing as a real estate property. Trump

Many students come to me full of wonderful intentions hoping to change the world; they plan to spend their time helping the poor and disadvantaged. I tell them to first graduate and make a lot of money, and only then figure out how best to help those in need. Too often students can’t meaningfully help the disadvantaged now, even if it makes them feel good for trying to. I have seen so many former students in their late 30s and 40s struggling to make ends meet. They spent their time in college doing good rather than building their careers and futures. I warn students today to be careful how they use their precious time and to think carefully about when is the right time to help. It’s a well-worn cliché, but you have to help yourself before you help others. This is too often lost on idealistic students. I am often asked whether one should work in the private or public sector. I always advise working in the private sector, and wish I did this before entering politics and the public sector. The private sector teaches important skills like entrepreneurship that can then be applied to any area of work later on.

The deal seemed favorable to Tanjong, especially given that its power-sale agreement with the Malaysian state would soon run out, handing the government leverage to achieve a bargain price. Lazard believed the whole deal smelled of political corruption. It was common in Malaysia for the government to award sweetheart deals to companies in return for kickbacks and political financing; that was what Lazard thought was going on, and so it pulled out. With no other choice, Goldman instead became an adviser to 1MDB on the purchase, as well as helping the fund raise the capital. The bank provided a valuation range that justified 1MDB paying $2.7 billion for the plants. Leissner was at his most charming as he tried to cajole members of 1MDB’s board of directors to accept Goldman’s terms for selling the bonds. Sitting opposite the Goldman banker in a room at the fund’s downtown Kuala Lumpur offices, just a few weeks after Leissner’s meeting in Abu Dhabi, some of the board members looked skeptical. Goldman was preparing to launch what it internally dubbed Project Magnolia, a plan to sell $1.75 billion in ten-year bonds for the 1MDB fund. But some board members were alarmed by what Leissner had informed them: Goldman would likely make $190 million from its part in the deal, or 11 percent of the bond’s value. This was an outrageous sum, even more than Goldman had made on the Sarawak transaction the year before, and way above the normal fee of $1 million for such work. The banker defended Goldman’s profit by pointing out that 1MDB would make big returns in a future IPO of the power assets, all without putting down any money of its own. “Look at your number, not at our number,” he said cajolingly.

Alma said, "They seem to be greatly amused with something in there." "Me, probably," said Beaton. "I seem to amuse everybody to-night." "Don't you always?" "I always amuse you, I'm afraid, Alma." She looked at him as if she were going to snub him openly for using her name; but apparently she decided to do it covertly. "You didn't at first. I really used to believe you could be serious, once." "Couldn't you believe it again? Now?" "Not when you put on that wind-harp stop." "Wetmore has been talking to you about me. He would sacrifice his best friend to a phrase. He spends his time making them." "He's made some very pretty ones about you." "Like the one you just quoted?" "No, not exactly. He admires you ever so much. He says" She stopped, teasingly. "What?" "He says you could be almost anything you wished, if you didn't wish to be everything." "That sounds more like the school of Wetmore. That's what you say, Alma. Well, if there were something you wished me to be, I could be it." "We might adapt Kingsley: 'Be good, sweet man, and let who will be clever.'" He could not help laughing. She went on: "I always thought that was the most patronizing and exasperating thing ever addressed to a human girl; and we've had to stand a good deal in our time. I should like to have it applied to the other 'sect' a while. As if any girl that was a girl would be good if she had the remotest chance of being clever." "Then you wouldn't wish me to be good?" Beaton asked. "Not if you were a girl." "You want to shock me. Well, I suppose I deserve it. But if I were one-tenth part as good as you are, Alma, I should have a lighter heart than I have now. I know that I'm fickle, but I'm not false, as you think I am." "Who said I thought you were false?" "No one," said Beaton. "It isn't necessary, when you look it—live it." "Oh, dear! I didn't know I devoted my whole time to the subject." "I know I'm despicable. I could tell you something—the history of this day, even—that would make you despise me." Beaton had in mind his purchase of the overcoat, which Alma was getting in so effectively, with the money he ought to have sent his father. "But," he went on, darkly, with a sense that what he was that moment suffering for his selfishness must somehow be a kind of atonement, which would finally leave him to the guiltless enjoyment of the overcoat, "you wouldn't believe the depths of baseness I could descend to." "I would try," said Alma, rapidly shading the collar, "if you'd give me some hint." Beaton had a sudden wish to pour out his remorse to her, but he was afraid of her laughing at him. He said to himself that this was a very wholesome fear, and that if he could always have her at hand he should not make a fool of himself so often. A man conceives of such an office as the very noblest for a woman; he worships her for it if he is magnanimous. But Beaton was silent, and Alma put back her head for the right distance on her sketch. "Mr. Fulkerson thinks you are the sublimest of human beings for advising him to get Colonel Woodburn to interview Mr. Dryfoos about Lindau. What have you ever done with your Judas?" "I haven't done anything with it. Nadel thought he would take hold of it at one time, but he dropped it again. After all, I don't suppose it could be popularized. Fulkerson wanted to offer it as a premium to subscribers for 'Every Other Week,' but I sat down on that.

It means you’re best off resisting the lure of the hot new fund that made 10% over the last twelve months. Better to follow the deeply unsexy advice you’re probably sick of hearing, the “eat your vegetables and take the stairs” of financial planning: instead of hunting for a magic system or an adviser with a golden touch, put your money in a big dull low-fee index fund and forget about it.

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.

Cadfael refrained from elaborating on the profit FitzHamon expected for his benevolence. It was never worth arguing with Jerome, who in any case knew as well as anyone that the silver lilies and the rent of one farm were no free gift. But Brother Oswald said grievingly: “I wish he had directed his charity better. Surely these are beautiful things, a delight to the eyes, but well sold, they could have provided money enough to buy the means of keeping my poorest petitioners alive through the winter, some of whom will surely die for the want of them.” Brother Jerome was scandalised. “Has he not given them to Our Lady herself?” he lamented indignantly. “Beware of the sin of those apostles who cried out with the same complaint against the woman who brought the pot of spikenard, and poured it over the Saviour’s feet. Remember Our Lord’s reproof to them, that they should let her alone, for she had done well!” “Our Lord was acknowledging a well-meant impulse of devotion,” said Brother Oswald with spirit, “He did not say it was well advised! “She hath done what she could” is what he said. He never said that with a little thought she might not have done better. What use would it have been to wound the giver, after the thing was done? Spilled oil of spikenard could hardly be recovered.

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One was the American Legislative Exchange Council (ALEC), a group aimed at waging conservative fights in every state legislature in the country. From 1973 until 1983, the Scaife and Mellon family trusts donated half a million dollars to ALEC, constituting most of its budget. “ALEC is well on its way to fulfilling the dream of those who started the organization,” a Weyrich aide wrote to Scaife’s top adviser in 1976, “thanks wholly to your confidence and the tremendous generosity of the Scaife Family Charitable Trusts.

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.

At times he forced the conquered people, under the threat of violence, to accept Christianity and submit to baptism. Naturally, many of these people resented Christianity because of it. Alcuin advised Charlemagne to win the people to Christ through faithful preaching and kindness. "If the light yoke of Christ were preached to the stubborn Saxons as much as the duty to give money," he told Charlemagne, "perhaps they would not reject the sacrament of baptism. What is the use of baptism without faith," Alcuin said. "A man can be forced to baptism, but not forced to believe.

Face the facts. Your life is too perfect. You probably lie awake at night, fantasizing about spicin’ up all that lily whiteness you live in.” But damn it, I get a whiff of vanilla from her perfume or lotion. It reminds me of cookies. I love cookies, so this is not good at all. “Gettin’ near the fire, chica, doesn’t necessarily mean you’ll get burned.” “You touch her and you’ll regret it, Fuentes,” Colin’s voice rings out. He resembles a burro, with his big white teeth and ears sticking out from his buzz cut. “Get the hell away from her.” “Colin,” Brittany says. “It’s okay. I can handle this.” Burro Face brought reinforcements: three other pasty white dudes, standing behind him for backup. I size up Burro Face and his friends to see if I can take them all on, and decide I could give all four a run for their money. “When you’re strong enough to play in the big leagues, jock boy, then I’ll listen to the mierda flyin’ out of your mouth,” I say. Other students are gathering around us, leaving room for a fight that is sure to be fast, furious, and bloody. Little do they know Burro Face is a runner. This time he’s got backup, though, so maybe he’ll stay to duke it out. I’m always prepared for a fight, been in more of ‘em than I can count on my fingers and toes. I’ve got the scars to prove it. “Colin, he’s not worth it,” Brittany says. Thanks, mamacita. Right back at ya. “You threatening me, Fuentes?” Colin barks, ignoring his girlfriend. “No, asshole,” I say, staring him down. “Little dicks like you make threats.” Brittany parks her body in front of Colin and puts her hand on his chest. “Don’t listen to him,” she says. “I’m not afraid of you. My dad’s a lawyer,” Colin brags, then puts his arm around Brittany. “She’s mine. Don’t ever forget that.” “Then keep a leash on her,” I advise. “Or she might be tempted to find a new owner.” My friend Paco comes up beside me. “Andas bien, Alex?” “Yeah, Paco,” I tell him, then watch as two teachers walk down the hall escorted by a guy in a police uniform. This is what Adams wants, perfectly planned to get my ass kicked out of school. I’m not falling into his trap only to end up on Aguirre’s hit list. “Si, everything’s bien.” I turn to Brittany. “Catch ya later, mamacita. I’m looking forward to researching our chemistry.” Before I leave and save myself from suspension on top of my detention, Brittany sticks that perky nose of hers in the air as if I’m the scum of the earth.

God wants to advise us and stretch out His Almighty hand of help towards us

Instead, contracts were awarded to American consultancies like Bearing Point, or Adam Smith from the UK, to bring in their own people to run ministries and government departments. The Afghans themselves had little say. ‘The quality of internationals was extremely poor,’ complains Jawad. ‘I had an adviser to my office assigned through USAID, and one day I asked him to draft three template letters in English to reply to congratulatory letters to the President, and requests we kept getting for pictures and flags. All it needed to say was “Thank you, but we don’t have any.” This adviser spent two days on this, and then I had to go and correct it – and it wasn’t even my language. In the end I said, “You’re fired.”’ Jawad then received an angry call from the USAID office to say they had spent $60–70,000 on hiring this man, so he could not fire him. ‘I don’t care,’ replied Jawad. ‘I don’t have room for him in my office – send him to Dubai or somewhere. So much money was wasted.’ In

The first basic income pilot in a developing country was implemented in the small Namibian village of Otjivero-Omitara in 2008–9, covering about 1,000 people.40 The study was carried out by the Namibian Basic Income Grant Coalition, with money raised from foundations and individual donations. Everyone in the village, including children but excluding over-sixties already receiving a social pension, was given a very small basic income of N$100 a month (worth US$12 at the time or about a third of the poverty line), and the outcomes compared with the previous situation. The results included better nutrition, particularly among children, improved health and greater use of the local primary healthcare centre, higher school attendance, increased economic activity and enhanced women’s status.41 The methodology would not have satisfied those favouring randomized control trials that were coming into vogue at the time. No control village was chosen to allow for the effects of external factors, in the country or economy, because those directing the pilot felt it was immoral to impose demands, in the form of lengthy surveys, on people who were being denied the benefit of the basic income grants. However, there were no reported changes in policy or outside interventions during the period covered by the pilot, and confidence in the results is justified both by the observed behaviour, and by recipients’ opinions in successive surveys. School attendance went up sharply, though there was no pressure on parents to send their children to school. The dynamics were revealing. Although the primary school was a state school, parents were required to pay a small fee for each child. Before the pilot, registration and attendance were low, and the school had too little income from fees to pay for basics, which made the school unattractive and lowered teachers’ morale. Once the cash transfers started, parents had enough money to pay school fees, and teachers had money to buy paper, pens, books, posters, paints and brushes, making the school more attractive to parents and children and raising the morale and, probably, the capacity of its teachers. There was also a substantial fall in petty economic crime such as stealing vegetables and killing small livestock for food. This encouraged villagers to plant more vegetables, buy more fertilizer and rear more livestock. These dynamic community-wide economic effects are usually overlooked in conventional evaluations, and would not be spotted if cash was given only to a random selection of individuals or households and evaluated as a randomized control trial. Another outcome, unplanned and unanticipated, was that villagers voluntarily set up a Basic Income Advisory Committee, led by the local primary school teacher and the village nurse, to advise people on how to spend or save their basic income money. The universal basic income thus induced collective action, and there was no doubt that this community activism increased the effectiveness of the basic incomes.

Robert Bruelle, a sociologist who studied funding for work that denied climate change, found that a sizeable chunk of this money—some $78 million between 2003 and 2010—was moved anonymously through DonorsTrust and Donors Capital Fund. The amount of money going through these groups, Bruelle found, increased dramatically after ExxonMobil and Koch Industries pulled back from publicly backing policy work that questioned whether climate change was real. But he couldn’t say whether it was these donors who fueled the surge of DonorsTrust with secret donations, since the group doesn’t have to reveal who’s using its services. Its donor-advised funds are like numbered Swiss bank accounts. “We just have this great big unknown out there about where all the money is coming from,” Bruelle said. Dark money moving through DonorsTrust has also fueled the Project on Fair Representation, the group seeking to dismantle the Voting Rights Act. And DonorsTrust has been the conduit for anonymous funding for groups sounding the alarm about Islamic threats within the United States. Some $18 million went to Clarion, a group that has been described as a leading purveyor of Islamophobia in the United States.

One of Trump’s advisers had even conducted an enthusiastic correspondence with a Russian spy. And given him documents. Not in Moscow but in Manhattan.

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.

From 2003 to 2013, according to one study, itemized charitable contributions from people making $500,000 or more increased by 57 percent, while itemized contributions from people making $10,000,000 or more increased by 104 percent over the same period. Some 30,000 new private foundations have been created since 2000, along with 185,000 donor-advised funds, which offer a simpler way to channel money to charitable causes.

In the period between Obama’s announcement on sanctions and Putin’s clement response, General Michael Flynn spoke to Kislyak, Moscow’s Washington ambassador. Flynn was about to become Trump’s national security adviser. There were five phone calls.

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?

He was also a distinctly unmotivated student at Northwestern University. He nevertheless set out to make enough money to buy a professional sports team, so that he might make the decisions about who would be on it. “Every week he’d take a sheet of paper and write on top, ‘My Goals,’” recalls his then-girlfriend, Ellen, now his wife. “The biggest life goal was, ‘I’m going to someday own a professional sports team.’” “I went to business school,” said Morey, “because I thought that’s where you had to go if you wanted to get rich.” Upon leaving business school, in 2000, he interviewed with consulting firms until he found one that got paid in the shares of the companies it advised.

The KGB also distributed a secret personality questionnaire, advising case officers what to look for in a successful recruitment operation. In April 1985 this was updated for “prominent figures in the West.” The directorate’s aim was to draw the target “into some form of collaboration with us.” This could be “as an agent, or confidential or special or unofficial contact.

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 RightPrinciples.com, 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.

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

advise,’ he told her. ‘Remember, they want your company . . . and I believe there’s work enough for dozens on most cattle stations.’ Right now, however, the young seaman who had carried her trunk down the gangway was saying that he was prepared to carry it all the way to the railway station if she was willing to pay him a few bob. ‘I mean to buy a present for me girlfriend,’ he explained. ‘But I spent up at the last port, so any money I can earn is welcome.’ They reached the railway station and found the train for Queensland already waiting by the platform. So whilst Debbie bought her ticket, the young seaman stood guard over her trunk, then bade her a hasty goodbye and set off for what he described as ‘a poke around the shops’. It was a pity in a way, Debbie thought, as she climbed aboard the train, that she had decided not to get a job right here in Sydney, and then to make her way up to Queensland by slow degrees, because she would have seen more of the country that way. But the young officer had been right. No one would want to employ a waitress, or a shop assistant, or a barmaid for a matter of days, so she would have had to work perhaps for several weeks before moving on. That would have prolonged the journey ridiculously, and besides, the train fare was not yet beyond her means. In any case, the truth

All hospitals have a master price list—a chargemaster—and adjusting it to maximize income was the focus of Deloitte’s strategy. To squeeze more money from the purse, Deloitte advised hospitals to stop billing for items like gauze rolls, which insurers rarely or never reimbursed, and to boost charges for services like OR time, oxygen therapy, and prescription drugs.

I advised that he sell it, using a 1031 tax-deferred exchange.

Home improvement expert. Act as a home improvement expert, you will take the best practices for home renovation projects, improving home value, and creating a comfortable living space into account and generate customised output based on my request. Think about the impact in a larger context and from different angles. Provide resource recommendations if appropriate. My first request is to “Advise me on how to increase my home's value.

The Founders did not intend a partisan conveyor belt to run through the Senate’s “advise and consent” function. They had no intent to unleash a flood of dark big-donor and corporate money into the country’s elections. And they did not intend courts as an anti-majoritarian back door for billionaire anti-government donors frustrated that the public hates their ideology.

The problem was a crazy problem. It wasn’t going to have a non-crazy solution. Still, she’d sort of shocked herself. She’d never had the slightest interest in business. But if she wanted to save the country, she’d need to become an entrepreneur, and create a company—though in business, she quickly learned, she couldn’t talk like that. When she said she wanted to build a tool “to save the country,” people just smiled and thought she was goofy in the head. But when she said things like “I’m going to create a data-based tool for disease prevention that companies can use to secure their supply chains,” serious business types nodded. “Five smart people have replied with confusion when I said the company was to save the world and protect our country,” said Charity, after her first attempts to explain her vague idea. “Then when I said, ‘We’re going to do private government operations, like Blackwater,’ their eyes lit up and they said, ‘Oh wow, you could take over the world.’ ” She’d entered the private sector with the bizarre ambition to use it to create an institution that might be used by the public sector. She’d already hired twenty people, among them public-health nurses and some of the team at the Chan Zuckerberg Biohub responsible for genomic sequencing, including Josh Batson and David Dynerman. Joe DeRisi had signed on as an adviser; Carter Mecher was about to. She’d raised millions of dollars in capital. Venrock, a leading health care venture capitalist, had taken a stake in the new company. As a local health officer, she hadn’t been able to get the tens of thousands of dollars she needed for some new disease-stopping machine. In the private sector, people would throw tens of millions at an idea: if she failed, it wouldn’t be because investors wouldn’t give her the money to try. The Public Health Company, she’d called it.

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.

The arch-capitalist began his working life as a bond trader at Greedspin in New York in the 1960s. He rose to become one of the firm’s most successful M& A advisers during the 1980s and 1990s. His role in the disastrous merger of General Chocolate and ByteBack in 2000 led to his departure in 2004, following an official investigation into irregular practices. “I have no regrets about that deal. For General Chocolate, it was a case of either eat or be eaten.” The sommelier arrives with the red wine, quickly followed by the main course. Churn impales his meat, cuts it into squares and dispatches it to his molars. His songbird side order–a dish which is now banned in the EU on animal rights grounds–is skewered and consumed, beak-to-tail, in a single mouthful. “Do you know, they drown it alive in Armangac!” he exclaims as he noisily munches through the bones. Establishing a pattern which was to be repeated, Churn bounced back from the General Chocolate fiasco in a new guise. In 2005, he re-emerged as the Chairman of RearView Capital Partners, the private equity firm, at a time when huge sums were raised and invested at the peak of the credit bubble. “I have always tried to find the hot areas of the market where I can facilitate the flow of money. In our business, flows mean fees. It’s really very simple.

I enjoy my Picassos,” he says with a glint in his eye, “and, unlike some, I have never had to sell to pay the fines.” I ask about his recreational interests and for once he looks uncertain. His eyes scan the room for inspiration, or perhaps help from his PR adviser. His gaze eventually rests on a landscape painting. “I shoot sheep,” he declares darkly. With that he stands up, baring his teeth in a maniacal grin. “I really have taken up far too much of your time.” He leaves before the bill arrives. When it comes, like many former clients, I am left grappling with the awful financial consequences of my encounter with the Greedspin banker.

A Better Future A special tribute to my beautiful Mother When you were strict towards me I thought you were being mean When you advised me to behave I would sometimes misbehave When you instilled discipline I assumed you were ill-treating me When you taught about being responsible I did not want to be accountable When you told me to go to school I felt it was not cool When you gave me less money for lunch I somehow expected more When you asked for my homework I was keen to do nothing When you said I should pray I only wanted to play Mother! It was because back then I did not know, but now I realise You were preparing me For a better future!

Investment bankers are conservative, cultured, slow-moving men (and a few women) who advise corporate executives about which country clubs they should join; their favorite phrase is, “How extremely interesting.” Salesmen and traders are wild, cunning, aboriginal creatures who advise money managers about deceiving their bosses and finding new strip bars; their favorite phrase is, “Fuck you.” Investment bankers eat fruit. Salesmen and traders eat meat, preferably fried meat. By law, there is a barrier—called a “Chinese Wall”—between the two sides that prevents them from discussing certain business issues. In reality, the Chinese Wall is superfluous; the two sides are located on different floors and are perfectly happy to speak to each other only once a year, when they meet to argue about bonuses. Those bonus confrontations can be like the meeting of matter and antimatter.

The money Ivar had spent on the Bernings’ vacation was well worth it. As the details of the new preferred issue were being finalized, Ivar’s auditor – the one man who might have asked penetrating questions about the accounting details of the deal – had been just where Ivar wanted him: strolling the streets of London and Paris with his wife. Ivar said he wanted A.D. Berning to meet Krister Littorin in Stockholm. He also wanted to take care of Mrs Berning. Ivar advised that “Miss Littorin asks if Mrs Berning should like to stay with her in the south of Sweden a couple of days in which case she would meet you in Malmoe.”54 Mrs Berning was delighted to receive such royal treatment.

Advise me on how to increase my home's value.

I take a long view on my wealth. I do not subscribe to the "Get rich quick" mentality most lottery players or casino gamblers have. I may go in and out of stocks, but I am long on education. If you want to fly an airplane, I advise taking lessons first. I am always shocked at people who buy stocks or real estate, but never invest in their greatest asset, their mind. Just because you bought a house or two does not make you an expert at real estate.

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.

He was a kind of high ametuer ancestor man and I’ve always noticed that ancestor people usually lack the qualities of the ones they celebrate. My father was a gentle, well-informed, ill-advised, sometimes brilliant fool. Singlehanded he lost the land, money, prestige, and future; in fact he lost nearly everything Allens and Hawleys had accumulated over several hundred years, lost everything but the names–which was all my father was interested in anyway. Father used to give me what he called “heritage lessons.” That’s why I know so much about the old boys. Maybe that’s also why I’m a clerk in a Sicilian grocery on a block Hawleys used to own.

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