After Hours Trading Quotes

The moral is, never be sorry for a waiter. Sometimes when you sit in a restaurant, still stuffing yourself half an hour after closing time, you feel that the tired waiter at your side must surely be despising you. But he is not. He is not thinking as he looks at you, 'What an overfed lout'; he is thinking, 'One day, when I have saved enough money, I shall be able to imitate that man.' He is ministering to a kind of pleasure he thoroughly understands and admires. And that is why waiters are seldom Socialists, have no effective trade union, and will work twelve hours a day--they work fifteen hours, seven days a week, in many cafés. They are snobs, and they find the servile nature of their work rather congenial.

We’re convalescents. Most of us are people who never learned an art or a trade, not even the art of enjoying life. Since we’re basically averse to prolonged social contact, even the greatest of friends tend to bore us after half an hour; we only long to see them when we think about seeing them, and the best moments we spend with them occur in our dreams.

The label “jack-of-all-trades but master of none” is normally meant to be derogatory, implying that the labelee lacks the focus to really dive into a subject and master it. But, when your online shopping application is on the fritz and you’re losing orders by the hundreds as each hour passes, it’s the jack-of-all-trades who not only knows how the application’s code works but can also do low-level UNIX debugging of your web server processes, analyze your RDBMS’s configuration for potential performance bottlenecks, and check your network’s router configuration for hard-to-find problems. And, more important, after finding the problem, the jack-of-all-trades can quickly make architecture and design decisions, implement code fixes, and deploy a new fixed system to production. In this scenario, the manufacturing scenario seems quaint at best and critically flawed at worst.

I don’t know how I didn’t see it for so many years of Bible reading, but I didn’t.  Paul didn’t teach the Gentiles not to follow the law, he didn’t teach people not to have their sons circumcised (in fact he himself had Timothy circumcised in Acts 16:3).  And Paul himself kept the law.  Otherwise, James would have been telling Paul to lie about what he was doing.   So we traded Christmas for Sukkot, the true birth of Messiah during the Feast of Tabernacles, which is a shadow picture of Him coming back to reign for a thousand years.  When we keep that feast, we are making a declaration that we believe He was, is, and is coming.  We keep Yom Kippur, which is a declaration that we believe that Yeshua is the salvation of the nation of Israel as a whole, that “all Israel shall be saved.”  We keep Yom Teruah, the day of Trumpets, which occurs on “the day and hour that no man knows” at the sighting of the first sliver of the new moon during the 7th biblical month of Tishri.  We traded Pentecost for Shavuot, the prophetic shadow picture of the spirit being poured out on the assembly, as we see in the book of Acts,  just as the law was given at Mt Sinai to the assembly, which according to Stephen was the true birth of the church (Acts 7:38) – not in Jerusalem, but at Sinai. We also traded Easter for Passover, the shadow picture of Messiah coming to die to restore us to right standing with God, in order to obey Him when He said, “from now on, do this in remembrance of Me.”  We traded Resurrection Sunday for First Fruits, the feast which served as a shadow of Messiah rising up out of the earth and ascending to be presented as a holy offering to the Father.  In Leviticus 23, these are called the Feasts of the LORD, and were to be celebrated by His people Israel forever, not just the Jews, but all those who are in covenant with Him. Just like at Mt Sinai, the descendants of Jacob plus the mixed multitude who came out of Egypt.    We learned from I John 3:4 that sin is defined as transgression of the law.  I John 1:10 says that if we claim we do not sin we are liars, so sin still exists, and that was written long after the death of the other apostles, including Paul.  I read what Peter said about Paul in 2 Peter 3:15-16 – that his writings were hard to understand and easily twisted.  And I began to see that Peter was right because the more I understood what everyone besides Paul was saying, the more I realized that the only way I could justify what I had been doing was with Paul’s writings.  I couldn’t use Yeshua (Jesus), Moses, John, Peter or any of the others to back up any of the doctrines I was taught – I had to ignore Yeshua almost entirely, or take Him out of context.  I decided that Yeshua, and not Paul, died for me, so I had to

Now,” Samite continued, “after Essel has just spent time warning you about generalities and how they often don’t apply, I’m going to use some. Because some generalities are true often enough that we have to worry about them. So here’s one: men will physically fight for status. Women, generally, are more clever. The why of it doesn’t matter: learned, innate, cultural, who cares? You see the chest-bumping, the name-calling, performing for their fellows, what they’re really doing is getting the juices flowing. That interval isn’t always long, but it’s long enough for men to trigger the battle juice. That’s the terror or excitation that leads people to fight or run. It can be useful in small doses or debilitating in large ones. Any of you have brothers, or boys you’ve fought with?” Six of the ten raised their hands. “Have you ever had a fight with them—verbal or physical—and then they leave and come back a little later, and they’re completely done fighting and you’re just fully getting into it? They look like they’ve been ambushed, because they’ve come completely off the mountain already, and you’ve just gotten to the top?” “Think of it like lovemaking,” Essel said. She was a bawdy one. “Breathe in a man’s ear and tell him to take his trousers off, and he’s ready to go before you draw your next breath. A woman’s body takes longer.” Some of the girls giggled nervously. “Men can switch on very, very fast. They also switch off from that battle readiness very, very fast. Sure, they’ll be left trembling, sometimes puking from it, but it’s on and then it’s off. Women don’t do that. We peak slower. Now, maybe there are exceptions, maybe. But as fighters, we tend to think that everyone reacts the way we do, because our own experience is all we have. In this case, it’s not true for us. Men will be ready to fight, then finished, within heartbeats. This is good and bad. “A man, deeply surprised, will have only his first instinctive response be as controlled and crisp as it is when he trains. Then that torrent of emotion is on him. We spend thousands of hours training that first instinctive response, and further, we train to control the torrent of emotion so that it raises us to a heightened level of awareness without making us stupid.” “So the positive, for us Archers: surprise me, and my first reaction will be the same as my male counterpart’s. I can still, of course, get terrified, or locked into a loop of indecision. But if I’m not, my second, third, and tenth moves will also be controlled. My hands will not shake. I will be able to make precision movements that a man cannot. But I won’t have the heightened strength or sensations until perhaps a minute later—often too late. “Where a man needs to train to control that rush, we need to train to make it closer. If we have to climb a mountain more slowly to get to the same height to get all the positives, we need to start climbing sooner. That is, when I go into a situation that I know may be hazardous, I need to prepare myself. I need to start climbing. The men may joke to break the tension. Let them. I don’t join in. Maybe they think I’m humorless because I don’t. Fine. That’s a trade I’m willing to make.” Teia and the rest of the girls walked away from training that day somewhat dazed, definitely overwhelmed. What Teia realized was that the women were deeply appealing because they were honest and powerful. And those two things were wed inextricably together. They said, I am the best in the world at what I do, and I cannot do everything. Those two statements, held together, gave them the security to face any challenge. If her own strengths couldn’t surmount an obstacle, her team’s strengths could—and she was unembarrassed about asking for help where she needed it because she knew that what she brought to the team would be equally valuable in some other situation.

This is not the "relativism of truth" presented by journalistic takes on postmodernism. Rather, the ironist's cage is a state of irony by way of powerlessness and inactivity: In a world where terrorism makes cultural relativism harder and harder to defend against its critics, marauding international corporations follow fair-trade practices, increasing right-wing demagoguery and violence can't be answered in kind, and the first black U.S. president turns out to lean right of center, the intelligentsia can see no clear path of action. Irony dominates as a "mockery of the promise and fitness of things," to return to the OED definition of irony. This thinking is appropriate to Wes Anderson, whose central characters are so deeply locked in ironist cages that his films become two-hour documents of them rattling their ironist bars. Without the irony dilemma Roth describes, we would find it hard to explain figures like Max Fischer, Steve Zissou, Royal Tenenbaum, Mr. Fox, and Peter Whitman. I'm not speaking here of specific political beliefs. The characters in question aren't liberals; they may in fact, along with Anderson himself, have no particular political or philosophical interests. But they are certainly involved in a frustrated and digressive kind of irony that suggests a certain political situation. Though intensely self-absorbed and central to their films, Anderson's protagonists are neither heroes nor antiheroes. These characters are not lovable eccentrics. They are not flawed protagonists either, but are driven at least as much by their unsavory characteristics as by any moral sense. They aren't flawed figures who try to do the right thing; they don't necessarily learn from their mistakes; and we aren't asked to like them in spite of their obvious faults. Though they usually aren't interested in making good, they do set themselves some kind of mission--Anderson's films are mostly quest movies in an age that no longer believes in quests, and this gives them both an old-fashioned flavor and an air of disillusionment and futility.

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As it turned out, Sharpe was right. Cooperation succumbed to market forces, but even more to the war waged on it by the business classes. By 1887 the latter were determined to destroy the Knights, with their incessant boycotts, their strikes (sometimes involving hundreds of thousands), their revolutionary agitation, and their labor parties organized across the country. In the two years after the infamous Haymarket bombing in Chicago and the Great Upheaval of 1886, in which 200,000 trade unionists across the country went on a four-day-long strike for the eight-hour day but in most cases failed—partly because Terence Powderly, the leader of the Knights, who had always disliked strikes, refused to endorse the action and encouraged the Knights not to participate—capitalist repression swept the nation. Joseph Rayback summarizes: The first of the Knights’ ventures to feel the full effect of the post-Haymarket reaction were their cooperative enterprises. In part the very nature of such enterprises worked against them. The successful ventures became joint-stock corporations, the wage-earning shareholders and managers hiring labor like any other industrial unit. In part the cooperatives were destroyed by inefficient managers, squabbles among shareholders, lack of capital, and injudicious borrowing of money at high rates of interest. Just as important was the attitude of competitors. Railroads delayed the building of tracks, refused to furnish cars, or refused to haul them. Manufacturers of machinery and producers of raw materials, pressed by private business, refused to sell their products to the cooperative workshops and paralyzed operations. By 1888 none of the Order’s cooperatives were in existence.170

Inarguably, a successful restaurant demands that you live on the premises for the first few years, working seventeen-hour days, with total involvement in every aspect of a complicated, cruel and very fickle trade. You must be fluent in not only Spanish but the Kabbala-like intricacies of health codes, tax law, fire department regulations, environmental protection laws, building code, occupational safety and health regs, fair hiring practices, zoning, insurance, the vagaries and back-alley back-scratching of liquor licenses, the netherworld of trash removal, linen, grease disposal. And with every dime you've got tied up in your new place, suddenly the drains in your prep kitchen are backing up with raw sewage, pushing hundreds of gallons of impacted crap into your dining room; your coke-addled chef just called that Asian waitress who's working her way through law school a chink, which ensures your presence in court for the next six months; your bartender is giving away the bar to under-age girls from Wantagh, any one of whom could then crash Daddy's Buick into a busload of divinity students, putting your liquor license in peril, to say the least; the Ansel System could go off, shutting down your kitchen in the middle of a ten-thousand-dollar night; there's the ongoing struggle with rodents and cockroaches, any one of which could crawl across the Tina Brown four-top in the middle of the dessert course; you just bought 10,000 dollars-worth of shrimp when the market was low, but the walk-in freezer just went on the fritz and naturally it's a holiday weekend, so good luck getting a service call in time; the dishwasher just walked out after arguing with the busboy, and they need glasses now on table seven; immigration is at the door for a surprise inspection of your kitchen's Green Cards; the produce guy wants a certified check or he's taking back the delivery; you didn't order enough napkins for the weekend — and is that the New York Times reviewer waiting for your hostess to stop flirting and notice her?

The public offering occurred exactly one week after Toy Story’s opening. Jobs had gambled that the movie would be successful, and the risky bet paid off, big-time. As with the Apple IPO, a celebration was planned at the San Francisco office of the lead underwriter at 7 a.m., when the shares were to go on sale. The plan had originally been for the first shares to be offered at about $14, to be sure they would sell. Jobs insisted on pricing them at $22, which would give the company more money if the offering was a success. It was, beyond even his wildest hopes. It exceeded Netscape as the biggest IPO of the year. In the first half hour, the stock shot up to $45, and trading had to be delayed because there were too many buy orders. It then went up even further, to $49, before settling back to close the day at $39. Earlier that year Jobs had been hoping to find a buyer for Pixar that would let him merely recoup the $50 million he had put in. By the end of the day the shares he had retained—80% of the company—were worth more than twenty times that, an astonishing $1.2 billion. That was about five times what he’d made when Apple went public in 1980.

Revitalized and healthy, I started dreaming new dreams. I saw ways that I could make a significant contribution by sharing what I’ve learned. I decided to refocus my legal practice on counseling and helping start-up companies avoid liability and protect their intellectual property. To share some of what I know, I started a blog, IP Law for Startups, where I teach basic lessons on trade secrets, trademarks, copyrights, and patents and give tips for avoiding the biggest blunders that destroy the value of intellectual assets. Few start-up companies, especially women-owned companies that rarely get venture capital funding, can afford the expensive hourly rates of a large law firm to the get the critical information they need. I feel deeply rewarded when I help a company create a strategy that protects the value of their company and supports their business dreams. Further, I had a dream to help young women see their career possibilities. In partnership with my sister, Julie Simmons, I created lookilulu.com, a website where women share their insights, career paths, and ways they have integrated motherhood with their professional pursuits. When my sister and I were growing up on a farm, we had a hard time seeing that women could have rewarding careers. With Lookilulu® we want to help young women see what we couldn’t see: that dreams are not linear—they take many twists and unexpected turns. As I’ve learned the hard way, dreams change and shift as life happens. I’ve learned the value of continuing to dream new dreams after other dreams are derailed. I’m sure I’ll have many more dreams in my future. I’ve learned to be open to new and unexpected opportunities. By way of postscript, Jill writes, “I didn’t grow up planning to be lawyer. As a girl growing up in a small rural town, I was afraid to dream. I loved science, but rather than pursuing medical school, I opted for low-paying laboratory jobs, planning to quit when I had children. But then I couldn’t have children. As I awakened to the possibility that dreaming was an inalienable right, even for me, I started law school when I was thirty; intellectual property combines my love of law and science.” As a young girl, Jill’s rightsizing involved mustering the courage to expand her dreams, to dream outside of her box. Once she had children, she again transformed her dreams. In many ways her dreams are bigger and aim to help more people than before the twists and turns in her life’s path.

It was a few years after the beginning of the Lebanese war, as I was attending the Wharton School, at the age of twenty-two, that I was hit with the idea of efficient markets—an idea that holds that there is no way to derive profits from traded securities since these instruments have automatically incorporated all the available information. Public information can therefore be useless, particularly to a businessman, since prices can already “include” all such information, and news shared with millions gives you no real advantage. Odds are that one or more of the hundreds of millions of other readers of such information will already have bought the security, thus pushing up the price. I then completely gave up reading newspapers and watching television, which freed up a considerable amount of time (say one hour or more a day, enough time to read more than a hundred additional books per year, which, after a couple of decades, starts mounting). But this argument was not quite the entire reason for my dictum in this book to avoid the newspapers, as we will see further benefits in avoiding the toxicity of information. It was initially a great excuse to avoid keeping up with the minutiae of business, a perfect alibi since I found nothing interesting about the details of the business world—inelegant, dull, pompous, greedy, unintellectual, selfish, and boring.

Baking and cooking bring me inner peace, like a tasty version of yoga, without all the awkward stretching and sweating. When my life spins out of control, when I can't make sense of what's going on in the world, I head straight to the kitchen and turn on my oven, and with the press of a button, I switch one part of my brain off and another on. The rules of the kitchen are straightforward, and when I'm there I don't have to think about my problems. I don't need to think about anything but cups and ounces, temperatures and cooking times. When I was a freshman at Cornell, I heard a plane had flown into the World Trade Center while sitting in my Introduction to American History lecture. My friends and I ran back to our dorm rooms and spent the next few hours glued to the television. I kept my TV on all day, but after talking to my parents and watching three hours of the coverage, I headed straight to the communal kitchen and baked a triple batch of brownies, which I then distributed to everyone on my floor. Some of my friends thought I was crazy ("Who bakes brownies when the country is under attack?"), but it was the only thing I could do to keep from having a panic attack or bursting into tears. I couldn't control what was happening to our country, but I could control what was happening in that kitchen. Baking was my way of restoring order in a world driven by chaos, and it still is.

In the Middle Ages, sugar was a rare luxury in Europe. It was imported from the Middle East at prohibitive prices and used sparingly as a secret ingredient in delicacies and snake-oil medicines. After large sugar plantations were established in America, ever-increasing amounts of sugar began to reach Europe. The price of sugar dropped and Europe developed an insatiable sweet tooth. Entrepreneurs met this need by producing huge quantities of sweets: cakes, cookies, chocolate, candy, and sweetened beverages such as cocoa, coffee and tea. The annual sugar intake of the average Englishman rose from near zero in the early seventeenth century to around eighteen pounds in the early nineteenth century. However, growing cane and extracting its sugar was a labour-intensive business. Few people wanted to work long hours in malaria-infested sugar fields under a tropical sun. Contract labourers would have produced a commodity too expensive for mass consumption. Sensitive to market forces, and greedy for profits and economic growth, European plantation owners switched to slaves. From the sixteenth to the nineteenth centuries, about 10 million African slaves were imported to America. About 70 per cent of them worked on the sugar plantations. Labour conditions were abominable. Most slaves lived a short and miserable life, and millions more died during wars waged to capture slaves or during the long voyage from inner Africa to the shores of America. All this so that Europeans could enjoy their sweet tea and candy – and sugar barons could enjoy huge profits. The slave trade was not

It was a Friday evening, and I can still vividly recall the moment everything went wrong. I had been diving into cryptocurrency trading for a while, trying to grow my investments and make some serious profits. That night, feeling confident, I decided to make a larger transfer. In my excitement, I mistakenly sent my coins to the wrong wallet address. The moment I realized my mistake, panic and dread set in. I had just lost a significant amount of money, and I felt completely helpless. I spent hours trying to figure out a solution, but everything I read seemed to only deepen my confusion and frustration. I felt completely overwhelmed. In my distress, I decided to step away for a bit. I went to a nearby bar, hoping a drink would calm my nerves. I ended up drinking whiskey, hoping to drown my worries and clear my head, but instead, it only clouded my judgment further. The more I drank, the more I felt the weight of the situation bearing down on me. I could barely think straight. As I sat there, trying to gather myself, a relative who was visiting for the festive season noticed my state. After listening to my story, he suggested I contact SPARTAN TECH GROUP RETRIEVAL, a fund recovery service he’d heard about. At first, I was skeptical. Having seen so many fraudulent recovery services online, I wasn’t sure if this was just another scam. But my relative reassured me, telling me that SPARTAN TECH GROUP RETRIEVAL had a solid reputation and had successfully helped others in similar situations. With little left to lose, I decided to give them a try. I reached out to SPARTAN TECH GROUP RETRIEVAL, and their team responded quickly, explaining how the recovery process worked. They assured me that there would be no upfront fees and immediately began working on my case. Over time, they managed to successfully trace and recover my lost coins. I couldn't believe it what I thought was gone forever was returned to me. I was incredibly relieved and thankful. The experience taught me a valuable lesson about the importance of caution when dealing with online transactions, especially in the fast-paced world of cryptocurrency. If you’ve ever found yourself in a similar situation, I highly recommend contacting a professional recovery service like SPARTAN TECH GROUP RETRIEVAL. They helped me recover my funds when I thought all hope was lost, and I’m confident they can do the same for others. Contact info about the company : WhatsApp:+1 (971) 4 8 7 - 3 5 3 8 Email: spartantech (@) cyberservices . com Telegram:+1 (581) 2 8 6 - 8 0 9 2

Wherever you go, Provincetown will always take you back, at whatever age and in whatever condition. Because time moves somewhat differently there, it is possible to return after ten years or more and run into an acquaintance, on Commercial or at the A&P, who will ask mildly, as if he’d seen you the day before yesterday, what you’ve been doing with yourself. The streets of Provincetown are not in any way threatening, at least not to those with an appetite for the full range of human passions. If you grow deaf and blind and lame in Provincetown, some younger person with a civic conscience will wheel you wherever you need to go; if you die there, the marshes and dunes are ready to receive your ashes. While you’re alive and healthy, for as long as it lasts, the golden hands of the clock tower at Town Hall will note each hour with an electric bell as we below, on our purchase of land, buy or sell, paint or write or fish for bass, or trade gossip on the post office steps. The old bayfront houses will go on dreaming, at least until the emptiness between their boards proves more durable than the boards themselves. The sands will continue their slow devouring of the forests that were the Pilgrims’ first sight of North America, where man, as Fitzgerald put it, “must have held his breath in the presence of this continent, compelled into an aesthetic contemplation he neither understood nor desired, face to face for the last time in history with something commensurate to his capacity for wonder.” The ghost of Dorothy Bradford will walk the ocean floor off Herring Cove, draped in seaweed, surrounded by the fleeting silver lights of fish, and the ghost of Guglielmo Marconi will tap out his messages to those even longer dead than he. The whales will breach and loll in their offshore world, dive deep into black canyons, and swim south when the time comes. Herons will browse the tidal pools; crabs with blue claws tipped in scarlet will scramble sideways over their own shadows. At sunset the dunes will take on their pink-orange light, and just after sunset the boats will go luminous in the harbor. Ashes of the dead, bits of their bones, will mingle with the sand in the salt marsh, and wind and water will further disperse the scraps of wood, shell, and rope I’ve used for Billy’s various memorials. After dark the raccoons and opossums will start on their rounds; the skunks will rouse from their burrows and head into town. In summer music will rise up. The old man with the portable organ will play for passing change in front of the public library. People in finery will sing the anthems of vanished goddesses; people who are still trying to live by fishing will pump quarters into jukeboxes that play the songs of their high school days. As night progresses, people in diminishing numbers will wander the streets (where whaling captains and their wives once promenaded, where O’Neill strode in drunken furies, where Radio Girl—who knows where she is now?—announced the news), hoping for surprises or just hoping for what the night can be counted on to provide, always, in any weather: the smell of water and its sound; the little houses standing square against immensities of ocean and sky; and the shapes of gulls gliding overhead, white as bone china, searching from their high silence for whatever they might be able to eat down there among the dunes and marshes, the black rooftops, the little lights tossing on the water as the tides move out or in.

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Monetary payment is a good way to find out if people truly value what you do. Are they willing to trade their hard-earned money for your product? Connecting with people who are willing to pay for your talent means you can discover those who actually care enough about what you do to put up cash. You might find them far better to work with than the freeloaders who mutter a perfunctory “thank you” after all the hours you put in. -- From the blog essay, "Recognition Addiction: Are You Giving Away Too Much for Free?

Look at stocks as part ownership of a business. 2. Look at Mr. Market—volatile stock price fluctuations—as your friend rather than your enemy. View risk as the possibility of permanent loss of purchasing power, and uncertainty as the unpredictability regarding the degree of variability in the possible range of outcomes. 3. Remember the three most important words in investing: “margin of safety.” 4. Evaluate any news item or event only in terms of its impact on (a) future interest rates and (b) the intrinsic value of the business, which is the discounted value of the cash that can be taken out during its remaining life, adjusted for the uncertainty around receiving those cash flows. 5. Think in terms of opportunity costs when evaluating new ideas and keep a very high hurdle rate for incoming investments. Be unreasonable. When you look at a business and get a strong desire from within saying, “I wish I owned this business,” that is the kind of business in which you should be investing. A great investment idea doesn’t need hours to analyze. More often than not, it is love at first sight. 6. Think probabilistically rather than deterministically, because the future is never certain and it is really a set of branching probability streams. At the same time, avoid the risk of ruin, when making decisions, by focusing on consequences rather than just on raw probabilities in isolation. Some risks are just not worth taking, whatever the potential upside may be. 7. Never underestimate the power of incentives in any given situation. 8. When making decisions, involve both the left side of your brain (logic, analysis, and math) and the right side (intuition, creativity, and emotions). 9. Engage in visual thinking, which helps us to better understand complex information, organize our thoughts, and improve our ability to think and communicate. 10. Invert, always invert. You can avoid a lot of pain by visualizing your life after you have lost a lot of money trading or speculating using derivatives or leverage. If the visuals unnerve you, don’t do anything that could get you remotely close to reaching such a situation. 11. Vicariously learn from others throughout life. Embrace everlasting humility to succeed in this endeavor. 12. Embrace the power of long-term compounding. All the great things in life come from compound interest.

countervailing pressures, the most important of which was the trade union movement, which waged a successful hundred-year struggle for shorter hours. But once this quest ended after the Second World War, reductions in hours virtually ceased. Not long after unions gave up the fight, the American worker's hours began to rise.

If you are going to trade before the market opens or in the after-hours market, always use a limit order.

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Her grandma Hilda was my grandma. I loved her dearly. After being married for 58 years, her husband died, and we all watched as she suffered. For ten years, Hilda cried herself to sleep at night. She was living on her own, proud and independent, but heart-achingly lonely, missing her life partner. We didn’t have the heart to put her in a home, yet with Hilda’s dementia worsening, Bonnie Pearl’s mom, Sharon, was determined to find her a home with the best possible care. We had heard that some retirement communities were pretty spectacular, and after weeks of looking, Sharon finally found a community that gave the Four Seasons a run for its money—this place is amazing. I always said I’d stay there, and I don’t say that about many places. So guess what happened to Grandmom after moving into her new digs? Forget that she traded up to a beautiful new apartment with modern amenities and 24-hour care. That was just the tip of the iceberg. More amazing than that, she began a second life! At 88 years old, she transformed into a new woman and fell in love again. A 92-year-old Italian captured her heart. (“I don’t let him under my shirt yet, but he tries all the time,” she said with a grin.) They had four beautiful years together before he passed away, and I kid you not, at his funeral, she met her next beau. Her last decade was filled with a quality of life she never could have envisioned. She found happiness, joy, love, and friendship again. It was an unexpected last chapter of her life and a reminder that love is the ultimate wealth. It can show up unexpected anytime, anywhere—and it is never too late.

I was executive vice president of the discounters’ trade association, working in my New York office one day in 1967. My secretary said there was a man out front who wanted to join our group. I said I would give him ten minutes. So in comes this short, wiry man with a deep tan and a tennis racket under his arm. He introduced himself as Sam Walton from Arkansas. I didn’t know what to think. When he meets you, he looks at you—head cocked to one side, forehead slightly creased—and he proceeds to extract every piece of information in your possession. He always makes little notes. And he pushes on and on. After two and a half hours, he left, and I was totally drained. I wasn’t sure what I had just met, but I was sure we would hear more from him.” Looking

Would that all was as well within the castle. Alas, that you have inflicted me with one Simus of the Hawk. Never mind the fact that Simus strides from his chambers to the mineral baths naked as a plucked chicken, smiling and greeting all and sundry with a cheerful smile. Never mind the fact that he and Warren have taken to weapons practice in the Great Hall, jumping from table to table swords in one hand, flagons in the other, fighting and laughing, and cursing each other, causing ladies to swoon and leaving heel marks on all the tables. Never mind that half the lords want to kill him, the other half want to befriend him and that all of the ladies seem entranced. Which includes my own Lady Wife, thank you very much. Oh no, the worst of it is that Simus is having relations with Dye-Mistress Mavis, or so the sounds echoing in the castle halls at all hours of the night announce to all and sundry. By his tradition, Simus does no wrong, or so Dye-Mistress Mavis has informed me, Warren, and the Archbishop. Further, when we confronted her, she told us in no uncertain terms that she is an adult and Master of her trade and that her behavior is none of our concern. She added something to the effect that you aren't the only one willing to make sacrifices for her guild. Which had the Archbishop clutching for his holy symbol. I think Dye-Mistress is only after the cloths that Simus wears like a peacock. I have tried to explain that to Simus, but he just smiles that wide smile of his and indicates that he sees no harm to being 'used'. The entire Court and Council is scandalized. They all come to me and complain, taking the greatest pleasure in going over every juicy detail.

The United States became engaged in hostilities with North Vietnam on November 1, 1955, when President Eisenhower deployed the Military Assistance Advisory Group as advisors to train the army of South Vietnam, better known as the Army of the Republic of Vietnam. Things escalated in 1960, which was about the same time that Cuba established diplomatic relations with Vietnam, the communist country at war with the United States. In May of 1961 President Kennedy sent 400 United States Army Special Forces personnel to South Vietnam for the purpose of training South Vietnamese troops. By November of 1963 when he was killed, President Kennedy had increased the number of military personnel from the original 400 to 900 troops for training purposes. Direct U.S. intervention started with the Gulf of Tonkin Resolution in August of 1964. As things heated up, the number of American troops started including combat units and escalated to 16,000 troops, just before Kennedy’s death. During the early hours of April 30, 1975, the fighting ended abruptly, as South Vietnamese President Duong Van Minh delivered an unconditional surrender to the Communists. Between 195,000 to 430,000 South Vietnamese civilians died in the war and 50,000 to 65,000 North Vietnamese civilians died. The Army of the Republic of Vietnam lost somewhere between 171,331 and 220,357 men during the war. The Communist military forces lost approximately 444,000 men. It is estimated that between 200,000 and 300,000 Cambodians died and another 60,000 Laotians died during this war. In all 58,220 U.S. service members were killed. The last two American servicemen to die in Vietnam were killed during the evacuation of Saigon, when their helicopter crashed. After the United States pulled out of South Vietnam, the two sections of the country came together under Communist rule. Vietnam has since become Cuba’s largest trading partner next to China, and the United States has also returned to a normalized trade relationship with Vietnam.

I loved to steer the ship, and in a short time became an expert helmsman. What glorious weather one experiences within the limits of these trade winds! — a long swell that kept the “Ariel” gently rolling from side to side, the wind being nearly dead aft, steady trades, not varying a half-point day after day and week after week, no squalls, no sails to trim, only an occasional pull at the halliards to bowse everything taut, wind not over strong, but enough to bowl the ship along from seven to eight knots per hour, a cloudless sky o’erhead, with the exception of the light fleecy trade clouds that constantly hung around the horizon, and bright, warm sunshine every day, while the nights were resplendent with the brilliancy of the constellations of the southern hemisphere. This was indeed ideal sailing.

If you have losses in all the 5 to 10 stocks you are trading for the day, take a break and spend time with your children, or go for a nice lunch, or do something you enjoy after closing hours. If

SEPTEMBER 11 Fueling Relief When we finally got the clearance to drive through the checkpoints, two weeks after the World Trade Center attacks, the street was lined with New Yorkers—New Yorkers!—waving banners with simple messages. “We love you. You’re our heroes. God bless you. Thank you.” The workers were running on that support as their vehicles ran on fuel. They had so little good news in a day. They faced a mountainously depressing task of removing tons and tons of twisted steel, compacted dirt, smashed equipment, broken glass. But every time they drove past the barricades, they faced a line of fans cheering them on, like the tunnel of cheerleaders that football players run through, reminding them that an entire nation appreciated their service. In a Salvation Army van with lights flashing, we attracted some of the loudest cheers of all. Moises Serrano, the Salvation Army officer leading us, was Incident Director for the city. He had been on the job barely a month when the planes hit. He worked thirty-six straight hours and slept four, forty hours and slept six, forty more hours and slept six. Then he took a day off. His assistant had an emotional breakdown early on, in the same van I was riding in, and may never recover. Many of the Salvationists I met hailed from Florida, the hurricane crews who keep fully stocked canteens and trucks full of basic supplies. When the Manhattan buildings fell, they mobilized all those trucks and drove them to New York. The crew director told me, “To tell you the truth, I came up here expecting to deal with Yankees, if you know what I mean. Instead, it’s all smiles and thank yous.” I came to appreciate the cheerful toughness of the Salvation Army. These soldiers worked in the morgue and served on the front lines. Over the years, though, they had developed an inner strength based on discipline, on community, and above all on a clear vision of whom they were serving. The Salvation Army may have a hierarchy of command, but every soldier knows he or she is performing for an audience of One. As one told me, Salvationists serve in order to earn the ultimate accolade from God himself: “Well done, thy good and faithful servant.” Finding God in Unexpected Places

uninhabitable for the first time since it was declared America’s capital in 1790, and the scientific community predicts that it will remain so for a decade. The stock market plunges as investors anticipate draconian customs regimes that will choke global trade. Fear of further attacks paralyzes America and much of the Western world. Hours after the explosion, a little known terrorist group claims responsibility. It is the first time the president, who was not in Washington at the time of the blast, and his surviving cabinet members, including the director of national intelligence, have heard of the group. After searching intelligence databases, analysts report that the group is linked to three hostile governments, all of which have issued statements condemning the

The Netscape offering changed that equation. Originally, Netscape planned to sell 3.5 million shares to the public at $14 each, a price that valued the company at about $500 million. Given that Netscape had posted only $17 million in sales—sales, not profits—during the previous six months, a half-billion-dollar valuation seemed highly optimistic. But not to investors looking for the next you-know-what. Netscape’s roadshows were mobbed; tech geeks who had never before bought a stock wanted to own the Navigator. One technology stock analyst said getting a session with Netscape’s management before the offering “was like getting a one-on-one with God.”3 With demand overwhelming, Netscape and Morgan Stanley, its underwriter, increased both the size and price of the offering, eventually selling 5 million shares at $28. Still, demand far outstripped supply; investors placed orders for 100 million shares, and Morgan Stanley had to decide which clients to favor with the limited number of shares it had available. “They don’t get any hotter than this,” the Journal reported the morning that Netscape opened for trading. With so much unmet demand, it was obvious that Netscape would begin trading far above the $28 offering. After struggling for hours to set a price, the Nasdaq’s market makers finally opened Netscape at $71 per share. It rose as high as $75 before settling back to end the day at $58.25. At that price the company was valued at more than $2 billion—one hundred times its trailing sales.

And, indeed, if we consider how much of our lives is taken up by the needs of nature; how many years are wholly spent, before we come to any use of reason; how many years more before that reason is useful to us to any great purposes, how imperfect our discourse is made by our evil education, false principles, ill company, bad examples, and want of experience; how many parts of our wisest and best years are spent in eating and sleeping, in necessary businesses and unnecessary vanities, in worldly civilities and less useful circumstances, in the learning arts and sciences, languages, or trades; that little portion of hours that is left for the practices of piety and religious walking with God, is so short and trifling, that, were not the goodness of God infinitely great, it might seem unreasonable or impossible for us to expect of him eternal joys in heaven, even after the well spending those few minutes which are left for God and God’s service, after we have served ourselves and our own occasions.

Deleveraging and detoxing of financial excesses works better than not dealing with the imbalances and just printing more money to kick the can further down the road. Only painful restructuring helps cure the extreme disparities in trade, debt, and demographics in Europe (and everywhere else, for that matter, at any time in history). In short, I anticipate a major restructuring in the eurozone, along with weakness in the euro and strength in the dollar for a while yet. After that, it’s likely a more neutral currency game, with a bias toward the stronger countries. This means they’ll be able to attract more foreign investment and lower-cost imports, but their exports will decline as a result.

Adm. James Loy, commandant, U.S. Coast Guard: Maybe the fourth or fifth day, it dawned on me that the church at the end of Wall Street, Trinity Church, was within spitting distance of the Tower site and was part of the rest of the city that was deluged in debris. I sat in my office for a second and said, “Alexander Hamilton is buried in that cemetery.” He’s considered the founder of the modern-day Coast Guard because he established its predecessor, the Revenue Cutter Service. I couldn’t stand the notion that he and his headstone were probably inundated with debris. I called Master Chief Vince Patton into the office and I said, “Vince, I need you to get some senior enlisted folks from the captain of the Port of New York’s office. I know they’re up to their ass in alligators right now, but we’ve got to go fix that.” He got a senior chief in New York on the phone. They went and began the cleanup of the entire Trinity Church yard. The word got out to the Trade Center site, and people, after finishing their unbelievably difficult work for a 12-hour cycle, came over and joined with these Coast Guard people to finish the job. I was damned if I could go to sleep that night without doing something about it.

To apply first principles thinking to the field of value investing, consider several fundamental truths. Understand and practice the following if you want to become a good investor: 1. Look at stocks as part ownership of a business. 2. Look at Mr. Market—volatile stock price fluctuations—as your friend rather than your enemy. View risk as the possibility of permanent loss of purchasing power, and uncertainty as the unpredictability regarding the degree of variability in the possible range of outcomes. 3. Remember the three most important words in investing: “margin of safety.” 4. Evaluate any news item or event only in terms of its impact on (a) future interest rates and (b) the intrinsic value of the business, which is the discounted value of the cash that can be taken out during its remaining life, adjusted for the uncertainty around receiving those cash flows. 5. Think in terms of opportunity costs when evaluating new ideas and keep a very high hurdle rate for incoming investments. Be unreasonable. When you look at a business and get a strong desire from within saying, “I wish I owned this business,” that is the kind of business in which you should be investing. A great investment idea doesn’t need hours to analyze. More often than not, it is love at first sight. 6. Think probabilistically rather than deterministically, because the future is never certain and it is really a set of branching probability streams. At the same time, avoid the risk of ruin, when making decisions, by focusing on consequences rather than just on raw probabilities in isolation. Some risks are just not worth taking, whatever the potential upside may be. 7. Never underestimate the power of incentives in any given situation. 8. When making decisions, involve both the left side of your brain (logic, analysis, and math) and the right side (intuition, creativity, and emotions). 9. Engage in visual thinking, which helps us to better understand complex information, organize our thoughts, and improve our ability to think and communicate. 10. Invert, always invert. You can avoid a lot of pain by visualizing your life after you have lost a lot of money trading or speculating using derivatives or leverage. If the visuals unnerve you, don’t do anything that could get you remotely close to reaching such a situation. 11. Vicariously learn from others throughout life. Embrace everlasting humility to succeed in this endeavor. 12. Embrace the power of long-term compounding. All the great things in life come from compound interest.

What does it actually mean to be free? Are you truly free if you are unable to go to a doctor when you are sick, or face financial bankruptcy when you leave the hospital? Are you truly free if you cannot afford the prescription drugs you need to stay alive? Are you truly free when you spend half of your limited income on housing, and are forced to borrow money from a payday lender at 200 percent interest rates? Are you truly free if you are seventy years old and have to continue working because you lack a pension or enough money to retire? Are you truly free if you are unable to attend college or a trade school because your family lacks the income? Are you truly free if you are forced to work sixty or eighty hours a week because you can’t find a job that pays a living wage? Are you truly free if you are a mother or father with a newborn baby but you are forced to go back to work immediately after the birth because you lack paid family leave? Are you truly free if you are a small business owner or family farmer who is driven out of the marketplace by the monopolistic practices of big business? Are you truly free if you are a veteran who put your life on the line to defend this country, and now sleep out on the streets?

By the time the Copenhagen conference kicked off in December, it seemed that my worst fears were coming to pass. Domestically, we were still waiting for the Senate to schedule a vote on cap-and-trade legislation, and in Europe, the treaty dialogue had hit an early deadlock. We’d sent Hillary and Todd ahead of me to try to drum up support for our proposed interim agreement, and over the phone, they described a chaotic scene, with the Chinese and other BRICS leaders dug in on their position, the Europeans frustrated with both us and the Chinese, the poorer countries clamoring for more financial assistance, Danish and U.N. organizers feeling overwhelmed, and the environmental groups in attendance despairing over what increasingly looked like a dumpster fire. Given the strong odor of imminent failure, not to mention the fact that I was still busy trying to get other critical legislation through Congress before the Christmas recess, Rahm and Axe questioned whether I should even make the trip. Despite my misgivings, I decided that even a slight possibility of corralling other leaders into an international agreement overrode the fallout from a likely failure. To make the trip more palatable, Alyssa Mastromonaco came up with a skinnied-down schedule that had me flying to Copenhagen after a full day in the Oval and spending about ten hours on the ground—just enough time to deliver a speech and conduct a few bilateral meetings with heads of state—before turning around and heading home. Still, it’s fair to say that as I boarded Air Force One for the red-eye across the Atlantic, I was less than enthusiastic. Settling into one of the plane’s fat leather conference-room chairs, I ordered a tumbler of vodka in the hope that it would help me get a few hours’ sleep and watched Marvin fiddle with the controls of the big-screen TV in search of a basketball game. “Has anyone ever considered,” I said, “the amount of carbon dioxide I’m releasing into the atmosphere as a result of these trips to Europe? I’m pretty sure that between the planes, the helicopters, and the motorcades, I’ve got the biggest carbon footprint of any single person on the whole goddamn planet.” “Huh,” Marvin said. “That’s probably right.” He found the game we were looking for, turned up the sound, then added, “You might not want to mention that in your speech tomorrow.

Corporate profits rise when labor costs fall. This is why Wall Street is so quick to pummel companies when they bump up wages. When Walmart announced in 2015 that it planned to increase its starting wage to at least $9 an hour, largely in response to public pressure, investors dumped the stock. Shares fell by 10 percent, erasing $20 billion in market value. It was the company’s biggest single-day loss on record. The same thing happened in 2021. After the retailer pledged to raise its average hourly wage to $15 to compete with Amazon and other companies that had responded to the Fight for $15 campaign, shareholders bailed, causing the stock to fall 6 percent on a Thursday morning. Investors were putting Walmart, and every other publicly traded company, on notice: If you raise wages, you’ll pay for

As unions flagged, business interests sensed an opportunity. Corporate lobbyists made deep inroads in both parties, launching a public relations campaign that blamed labor for the slump and pressured policymakers to roll back worker protections.[16] A national litmus test arrived in 1981, when thirteen thousand unionized air traffic controllers left their posts after contract negotiations with the Federal Aviation Administration broke down. When workers refused to return to work, President Reagan fired all of them. The public’s response was muted, and corporate America learned that it could crush unions with minimal blowback. In 1985, Hormel Foods, of Spam and Dinty Moore beef stew fame, cut worker pay in its Austin, Minnesota, plant from $10.69 to $8.25 an hour and kneecapped the strike that followed by hiring replacements. “If the President of the United States can replace strikers, this must be socially acceptable,” remarked one observer at the time.[17] And so it went, in one industry after another. As global trade expanded and plants shuttered, unions collapsed, and corporate interests made sure they remained weak.

The cruelest form of torture one can inflict on a kender is to lock him up. Of course, it is also widely believed that the cruelest form of torture one can inflict on any other species is to lock them up with a kender. After three days of Tasslehoff’s incessant chatter, pranks, and practical jokes, the companions would have willingly traded the kender for a peaceful hour of being stretched on the rack—at least that’s what Flint said.

I later did the math and realized that in those six months, I’d traded 1,400 hours of my life for $15,500 after taxes. And not only did I have nothing left, I owed $12,000 in credit card debt.

The photo was published in the majority of Brazilian newspapers in a full-page spread when CNN and all the television channels of the world broadcast the scene, they froze it for a few seconds. Or minutes, hours, I don't know. For me time has infinite duration--I don't know how to measure it by normal parameters. Trying doesn't even interest me. From the World Trade Center buildings, minutes, prior to their collapse--which would appear as a perfect and planned implosion--only a grayish-blue and black vertical lines can be seen. Like a modernist painting--by whom? Which artist painted lines? Mondrian? No, not Mondrian, he painted squares, rectangles. Anyway, in the picture, the man is falling head first. his body straight, one of his legs bent. Did he jump? Slip? Did he faint and then fall? He probably lost consciousness because of the height, the smoke. He fell. He disappeared from the scene, from life, from the city. A million tons of rubble buried him soon after. Nobody knows his name. Impossible for his family to have him identified. He's an unknown who entered into history at the twenty-first century's first great moment of horror--the history of the world, the United States, communications, photography. Without anyone knowing who he is. And nobody will ever know. We'll only have suppositions, families who'll swear that he was theirs. But was he Brazilian, American, Latino, Chinese, Italian, Irish--what? He could have been anything, but now he's nothing. One among thousands gone forever. And, while we're on the subject, what about the firemen who supposedly became such heroes that day--can you name a single one?

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