Bad Investments Quotes

Now that I’m an adult, I realize that kids know at a very young age when they’re being devalued, when adults aren’t invested enough to help them learn. Their anger over it can manifest itself as unruliness. It’s hardly their fault. They aren’t “bad kids.” They’re just trying to survive bad circumstances.

The less you associate with some people, the more your life will improve. Any time you tolerate mediocrity in others, it increases your mediocrity. An important attribute in successful people is their impatience with negative thinking and negative acting people. As you grow, your associates will change. Some of your friends will not want you to go on. They will want you to stay where they are. Friends that don't help you climb will want you to crawl. Your friends will stretch your vision or choke your dream. Those that don't increase you will eventually decrease you. Consider this: Never receive counsel from unproductive people. Never discuss your problems with someone incapable of contributing to the solution, because those who never succeed themselves are always first to tell you how. Not everyone has a right to speak into your life. You are certain to get the worst of the bargain when you exchange ideas with the wrong person. Don't follow anyone who's not going anywhere. With some people you spend an evening: with others you invest it. Be careful where you stop to inquire for directions along the road of life. Wise is the person who fortifies his life with the right friendships. If you run with wolves, you will learn how to howl. But, if you associate with eagles, you will learn how to soar to great heights. "A mirror reflects a man's face, but what he is really like is shown by the kind of friends he chooses." The simple but true fact of life is that you become like those with whom you closely associate - for the good and the bad. Note: Be not mistaken. This is applicable to family as well as friends. Yes...do love, appreciate and be thankful for your family, for they will always be your family no matter what. Just know that they are human first and though they are family to you, they may be a friend to someone else and will fit somewhere in the criteria above. "In Prosperity Our Friends Know Us. In Adversity We Know Our friends." "Never make someone a priority when you are only an option for them." "If you are going to achieve excellence in big things,you develop the habit in little matters. Excellence is not an exception, it is a prevailing attitude.."..

After all, your chances of winning a lottery and of affecting an election are pretty similar. From a financial perspective, playing the lottery is a bad investment. But it's fun and relatively cheap: for the price of a ticket, you buy the right to fantasize how you'd spend the winnings - much as you get to fantasize that your vote will have some impact on policy.

It may, after all, be the bad habit of creative talents to invest themselves in pathological extremes that yield remarkable insights but no durable way of life for those who cannot translate their psychic wounds into significant art or thought.

Insecurity is a sign of well-being. It means we haven’t allowed ourselves to take other people for granted, that we remain realistic enough to see that things could genuinely turn out badly and that we are invested enough to care. It

When you choose to forgive the same people over and over again you do so because you don't want to believe your time loving them was wasted. Bad relationships over time can become investments, that are hard to let go of. The key to freedom is to realize that love is never wasted. The only thing wasted in life is the time you spend focusing on an unhappy situation that will never change to fit your needs, and not realizing the true investment of time and love are the lessons God wanted you to learn.

The narratives we create in order to justify our actions and choices become in so many ways who we are. They are the things we say back to ourselves to explain our complicated lives. Perhaps the reason you've not yet been able to forgive yourself is that you're still invested in your self-loathing. Perhaps not forgiving yourself is the flip side of your stealing-this-now cycle. Would you be a better or worse person if you forgave yourself for the bad things you did? If you perpetually condemn yourself for being a liar and a thief, does that make you good?

Hire people smarter than you. Fail early, fail often. Listen to everyone’s ideas. Face toward the problems. B-level work is bad for your soul. It’s more important to invest in good people than in good ideas.

If a business isn’t efficiently utilizing resources, then it’s a bad investment. A wasteful business is an unprofitable business. That may or may not show on their P&L for the current year, but you better believe it shows somewhere.

What struck me—with her and with many other female American friends I have—is how invested they are in being “liked.” How they have been raised to believe that their being likable is very important and that this “likable” trait is a specific thing. And that specific thing does not include showing anger or being aggressive or disagreeing too loudly. We spend too much time teaching girls to worry about what boys think of them. But the reverse is not the case. We don’t teach boys to care about being likable. We spend too much time telling girls that they cannot be angry or aggressive or tough, which is bad enough, but then we turn around and either praise or excuse men for the same reasons. All over the world, there are so many magazine articles and books telling women what to do, how to be and not to be, in order to attract or please men. There are far fewer guides for men about pleasing women.

You only get hurt that badly when you're doing something that matters.Something impossible.Taking a risk.Investing yourself.And ball's worth it,the rush you get, the exhilaration...

A business that doesn’t respect human life, animal life and the ecosystem of our planet earth… that’s a business we don’t want in our portfolio. If the business does more harm than good, facilitates more death than life, and causes more destruction than creation… then we view them as a bad investment.

Business ideas are sensitive to market conditions, culture, technological development and other things. What maybe was a bad business idea ten years ago may be a great business idea today. Give it a try. Mayflower Plymouth.

You can get in way more trouble with a good idea than a bad idea, because you forget that the good idea has limits.

Yeah, you go after her, and I suggest you invest in a steel plated jockstrap. Last guy who said something sexual to her and pissed her off is still limping around the office. (Carlos)

Friendship is like an investment; the best type yields the best profit for you! It's not just about making friends; it's about making right friends for the right reasons!

And therefore, all of those for whom authentic transformation has deeply unseated their souls must, I believe, wrestle with the profound moral obligation to shout form the heart—perhaps quietly and gently, with tears of reluctance; perhaps with fierce fire and angry wisdom; perhaps with slow and careful analysis; perhaps by unshakable public example—but authentically always and absolutely carries a a demand and duty: you must speak out, to the best of your ability, and shake the spiritual tree, and shine your headlights into the eyes of the complacent. You must let that radical realization rumble through your veins and rattle those around you. Alas, if you fail to do so, you are betraying your own authenticity. You are hiding your true estate. You don’t want to upset others because you don’t want to upset your self. You are acting in bad faith, the taste of a bad infinity. Because, you see, the alarming fact is that any realization of depth carries a terrible burden: those who are allowed to see are simultaneously saddled with the obligation to communicate that vision in no uncertain terms: that is the bargain. You were allowed to see the truth under the agreement that you would communicate it to others (that is the ultimate meaning of the bodhisattva vow). And therefore, if you have seen, you simply must speak out. Speak out with compassion, or speak out with angry wisdom, or speak out with skillful means, but speak out you must. And this is truly a terrible burden, a horrible burden, because in any case there is no room for timidity. The fact that you might be wrong is simply no excuse: You might be right in your communication, and you might be wrong, but that doesn’t matter. What does matter, as Kierkegaard so rudely reminded us, is that only by investing and speaking your vision with passion, can the truth, one way or another, finally penetrate the reluctance of the world. If you are right, or if you are wrong, it is only your passion that will force either to be discovered. It is your duty to promote that discovery—either way—and therefore it is your duty to speak your truth with whatever passion and courage you can find in your heart. You must shout, in whatever way you can.

When you get older, you notice your sheets are dirty. Sometimes, you do something about it. And sometimes, you read the front page of the newspaper and sometimes you floss and sometimes you stop biting your nails and sometimes you meet a friend for lunch. You still crave lemonade, but the taste doesn’t satisfy you as much as it used to. You still crave summer, but sometimes you mean summer, five years ago. You remember your umbrella, you check up on people to see if they got home, you leave places early to go home and make toast. You stand by the toaster in your underwear and a big t-shirt, wondering if you should just turn in or watch one more hour of television. You laugh at different things. You stop laughing at other things. You think about old loves almost like they are in a museum. The socks, you notice, aren’t organized into pairs and you mentally make a note of it. You cover your mouth when you sneeze, reaching for the box of tissues you bought, contains aloe. When you get older, you try different shampoos. You find one you like. You try sleeping early and spin class and jogging again. You try a book you almost read but couldn’t finish. You wrap yourself in the blankets of: familiar t-shirts, caffe au lait, dim tv light, texts with old friends or new people you really want to like and love you. You lose contact with friends from college, and only sometimes you think about it. When you do, it feels bad and almost bitter. You lose people, and when other people bring them up, you almost pretend like you know what they are doing. You try to stop touching your face and become invested in things like expensive salads and trying parsnips and saving up for a vacation you really want. You keep a spare pen in a drawer. You look at old pictures of yourself and they feel foreign and misleading. You forget things like: purchasing stamps, buying more butter, putting lotion on your elbows, calling your mother back. You learn things like balance: checkbooks, social life, work life, time to work out and time to enjoy yourself. When you get older, you find yourself more in control. You find your convictions appealing, you find you like your body more, you learn to take things in stride. You begin to crave respect and comfort and adventure, all at the same time. You lay in your bed, fearing death, just like you did. You pull lint off your shirt. You smile less and feel content more. You think about changing and then often, you do.

The trick when dealing with failure is arranging your financial life in a way that a bad investment here and a missed financial goal there won’t wipe you out so you can keep playing until the odds fall in your favor. But more important is that as much as we recognize the role of luck in success, the role of risk means we should forgive ourselves and leave room for understanding when judging failures.

It may, after all, be the bad habit of creative talents to invest themselves in pathological extremes that yield remarkable insights but no durable way of life for those who cannot translate their psychic wounds into significant art or thought.

Because most people are more emotional than logical, they tend to overreact to short-term results; they give up and sell low when times are bad and buy too high when times are good. I find this is just as true for relationships as it is for investments—wise people stick with sound fundamentals through the ups and downs, while flighty people react emotionally to how things feel, jumping into things when they’re hot and abandoning them when they’re not.

It may, after all, be the bad habit of creative talents to invest themselves in pathological extremes that yield remarkable insights but no durable way of life for those who cannot translate their psychic wounds into significant art or thought. THEODORE ROSZAK, “IN SEARCH OF THE MIRACULOUS

Anger has a bad rap, but it is actually one of the most hopeful and forward thinking of all our emotions. It begets transformation, manifesting our passion and keeping us invested in the world. It is a rational and emotional response to trespass, violation, and moral disorder. It bridges the divide between what “is” and what “ought” to be, between a difficult past and an improved possibility. Anger warns us viscerally of violation, threat, and insult.

How many people can you claim truly care about you? I mean, not just the people in your life who are fun to hang out with, not just the people who you love and trust. But people who feel good when you are happy and successful, feel bad when you are hurt or going through a hard time, people who would walk away from their lives for a little while to help you with yours. Not many. I felt that from Jake and I wasn’t sure how to handle it. Because there’s another side to it, you know. When someone is invested in your well-being, like your parents, for example, you become responsible for them in a way. Anything you do to hurt yourself hurts them. I already felt responsible for too many people that way. You’re not really free when people care about you; not if you care about them.

When the middle classes get passionate about politics, they're arguing about their treats—their tax breaks and their investments. When the poor get passionate about politics, they're fighting for their lives. Politics will always mean more to the poor. Always. That's why we strike and march, and despair when our young say they won't vote. That's why the poor are seen as more vital, more animalistic. No classical music for us—no walking around National Trust properties or buying reclaimed flooring. We don't have nostalgia. We don't do yesterday. We can't bear it. We don't want to be reminded of our past, because it was awful: dying in means, and slums, without literacy, or the vote. Without dignity. It was all so desperate then. That's why the present and the future is for the poor—that's the place in time for us: surviving now, hoping for better later. We live now—for our instant, hot, fast treats, to pep us up: sugar, a cigarette, a new fast song on the radio. You must never, never forget when you talk to someone poor, that it takes ten times the effort to get anywhere from a bad post code. It's a miracle when someone from a bad post code gets anywhere, son. A miracle they do anything at all.

[Han] glared into his mug. Besides, he didn't add, asking Princess Leia for repacement reward credits would mean he'd have to tell her how he'd lost the first batch. Not in gambling or bad investments or even drinking, but to a kriffing pirate. And then she would give him one of those looks. There were, he decided, worse things than being on Jabba's hit list

fiction, no matter the form, allows you to live a thousand meaningful experiences and relationships that you could never have in real life. Getting invested in a fictional world means you have a wonderful imagination, a big heart, and the capacity for endless creativity. No one can say anything bad about that.

The concept of ‘spending’ is problematic. When we are functioning with intention and wisdom, the only thing we really do with money is invest. There are small investments, and big investments. There are good investments and bad investments…The ROI we get for some investments is a product or service - the groceries in exchange for money, or the the car wash in exchange for money. And the ROI we get for other investments may be additional money in the form of interest or dividends, while the ROI in other cases is just a sense of fulfillment after maybe giving to charity or buying a gift for your spouse, or paying for your kids tuition, or creating art. When we look at it from this perspective, we get rid of the expectation that sending money out is a loss, and we replace it with an expectation that sending money out will always result in an ROI of some kind. Everything is an investment when we act with intention and wisdom.

I do business with many people over the course of centuries, and treachery is a bad long-term investment. It simply isn’t good business.

To not know is bad. To not want to know is worse.

The donations are usually anonymous, because while philanthropy is a source of pride, philanthropy as the exit strategy of last resort from a comically bad investment isn’t.

This must be the hardest bit about being a spy, she thought. The emotion people store in you, like a bad investment. You feel like you are robbing people of something.

A woman must choose her friends and lovers wisely, for both can become like a bad stepmother and rotten stepsisters. In the case of our lovers, we often invest them with the power of a great Mage - a great magician. This is easy to do , for if we become truly intimate, it dislike unlocking a lead crystal atelier, a magic one, or so it feels to us. A lover can engender and/or destroy even our most durable connections to our own cycle and ideas. The destructive lover must be avoided. A better sort of lover is one finely wrought of strong psychic muscle and tender flesh. For Wild Woman it also helps if the lover is just a bit psychic too, a person who can "see into" her heart.

Investing is a special thing. In terms of functionality, almost anyone can invest. But in terms of achieving the results of long-term profit and sustainable growth, only some people have the talent or skill sets for that. It’s like baseball for example… anyone can swing a bat at a ball. But only a few people make it to the big league, and even fewer become world champs. These days there are so many apps and platforms for individual investing, but that doesn’t mean everyone is achieving good results or ROI. There are great investors, good investors, and bad investors. A professional investor can achieve exponential growth and profit. A professional investor understands markets and industries and can account for both the traditional and the new.

Mari looked at the woman and took a breath. “I’m an abolitionist, which means I’m interested in investing in communities to address problems rather than carceral answers that don’t serve communities at all. Murderers and rapists do great harm,” Mari said, “but the carceral institutions in this country do little to mitigate that harm. In fact, they do more harm to individuals and communities. The carceral state depends on a dichotomy between innocent and guilty, or good and bad, so that they can then define harm on their terms, in the name of justice, and administer it on a massive scale to support a capitalistic, violent, and inherently inequitable system.” And though this was what she said, and had said so many times, a part of her even then understood what this reporter was getting at. There were some people who she did not think should be released. Her father had been one of them.

But my best friend from college was silent for a long time. She, of all of my friends, had seen the parade of sad wrecks through my life, date after bad date after bad boyfriend. She was the one who'd picked up the pieces after the musician, the investment banker, the humanitarian who was human to everyone but me. When at last she spoke, she said, Oh, hell. And, after that: Hallelujah.

What was it about the fig tree that was unsatisfactory to Jesus? Well if we use our context clues, we can deduce that the only thing that made this fig tree different than all of the other fig trees that Jesus must have encountered is that it was unfruitful - it was unproductive relative to its potential. To be a fig tree that does not produce figs is an insult to the creator, and arguably a waste of space - a bad investment.

Investing is a special thing. In terms of functionality, almost anyone invest. But in terms of achieving the results of long-term profit and sustainable growth, only some people have the talent or skill sets for that. It’s like baseball for example… anyone can swing a bat at a ball. But only a few guys make it to the big league, and even fewer become world champs. These days there are so many apps and platforms for individual investing, but that doesn’t mean everyone is achieving the same results. There are great investors, good investors, and bad investors. A professional investor can achieve exponential growth and profit. A professional investor understands markets and industries and can account for both the traditional and the new.

In a world where seasons of planting harvests and inundation ruled life and death, it was imperative to bring the gods into daily life to help things along. The more a king invested in festivals of cyclical renewal, the more prosperity the gods bestowed. But if the gods were ignored, bad floods would result, and that meant meager planting and poor harvest, which led in turn to drought, pestilence, disease and death.

Look," she told me. "A good kreda is very hard to find. I invested a lot of time and memory in you. I had no intention of giving all that up, just because you were going to be in a bad mood for a decade or two.

We are never through with the requirement for acceptance. This isn't a curse limited to the inadequate and the weak. Insecurity may even be a peculiar sign of well-being. It means we haven't allowed ourselves to take other people for granted, that we remain realistic enough to see that things could genuinely turn out badly and that we are invested enough to care.

Players don’t like to play games. Silly as that sounds, players, narcissists, and most types of bad men search for weak prey—a woman they can control with the smallest possible investment from their side. They will not stick around the high-value woman because she’s too high maintenance for them.

A lot of people try to counteract the ‘I am not good enough’ with ‘I am good enough.’ In other words, they take the opposite and they try to invest it. That still keeps the world at the level of polarities. The art is to go behind the polarities. So the act is to go not to the world of: ‘I am good’ to counteract ‘I am bad,’ Or ‘I am lovable’ as opposed to ‘I am unlovable.’ But go behind it to ‘I am.’ I am. I am. And ‘I am’ includes the fact that I do crappy things, and I do beautiful things. And I am.

It is amazing how much power we have, yet we are so oblivious to its existence. At home we were directed to focus on our downsides, at school we had to improve our bad grades, and in the workplace we are asked to develop our weaknesses. Those who have succeeded in aligning their character and their fate have done the exact opposite. I invested in what made me feel strong instead of wasting time on things that only made me feel weak and bad about myself. Marcus Buckingham says that knowing your strengths is the first step.

To get acceptable quality at the lowest cost, it is vitally important to reject defective material at a stage where its accumulated value is at the lowest possible level. Thus, as noted, we are better off catching a bad raw egg than a cooked one, and screening out our college applicant before he visits Intel. In short, reject before investing further value.

There are no good or bad horses, just correctly or incorrectly priced ones. This principle holds across all probabilistic domains: again, the goal is to get more than you pay for.

Investing a greater amount of time into yourself and your ambitions instead of messing around on social media can't be a bad idea.

You can’t make a good deal with a bad person.

The primary vice of a bad person is precisely that he is more preoccupied with others than himself. Rousseau is describing a precise libidinal mechanism: the inversion which generates the shift of the libidinal investment from the object to the obstacle itself. This could well be applied to fundamentalist violence - be it Oklahoma City Federal Building, the Twin Towers - was what really mattered, not achieving the noble goal of a truly Christian or Muslim society.

he’d abandoned the novel on page 146 because he didn’t like one minor character. Ridiculous, to get so far and then ditch it. Kate finds it impossible to abandon books, even bad ones. It feels disloyal; maybe the book will improve, maybe the time invested will ultimately not prove wasted.

On February 4, 2014, Partner Fund purchased 5,655,294 Theranos shares at a price of $17 a share—$2 a share more than the Lucas Venture Group had paid just four months earlier. The investment brought in another $96 million to Theranos’s coffers and valued it at a stunning $9 billion. This meant that Elizabeth, who owned slightly more than half of the company, now had a net worth of almost $5 billion.

The lobby of the Nelson Hotel always smells of the river -- it's in the pores of the place -- but this evening the smell is heavier than usual. It's a smell that makes us think of bad ideas, blown investments, forged checks, deteriorating health, stolen office supplies, unpaid alimony, empty promises, skin tumors, lost ambition, abandoned sample cases filled with cheap novelties, dead hope, dead skin, and fallen arches. This is the kind of place you don't come to unless you've been here before and all your other options are pretty much foreclosed. It's a place where men who left their families two decades before now lie on narrow beds with pee-stained mattresses, coughing and smoking cigarettes.

Everyone claims to want the truth. If you really want it, I’d suggest investing seriously in humor and this mysterious skill of transforming bad news into good. Otherwise, you’ll only get more frustrated.

Family-centered parents do not have the emotional freedom, the power, to raise their children with their ultimate welfare truly in mind. If they derive their own security from the family, their need to be popular with their children may override the importance of a long-term investment in their children’s growth and development. Or they may be focused on the proper and correct behavior of the moment. Any behavior that they consider improper threatens their security. They become upset, guided by the emotions of the moment, spontaneously reacting to the immediate concern rather than the long-term growth and development of the child. They may yell or scream. They may overreact and punish out of bad temper. They tend to love their children conditionally, making them emotionally dependent or counterdependent and rebellious.

If he was still alive when this was all over, he might try to find a woman he could spend a night with. One who would understand that he wasn’t worth investing any serious energy in, someone who would expect nothing from an emotionally bankrupt man…Add fifty bucks and that would be a hooker, Einstein.’ (Nathan)

Bill Lazier’s advice means that you ought to do your homework before taking a job. Find out if you are about to enter a den of assholes, and if you are, don’t give in to the temptation to join them in the first place. Leonardo da Vinci said, “It is easier to resist at the beginning than at the end,” which is sound social psychology. The more time and effort that people put into anything—no matter how useless, dysfunctional, or downright stupid it might be—the harder it is for them to walk away, be it a bad investment, a destructive relationship, an exploitive job, or a workplace filled with browbeaters, bullies, and bastards.

If you’ve got the power to raise prices without losing business to a competitor, you’ve got a very good business. If you have to have a prayer session before raising the price by 10%, then you’ve got a bad business.

If a business borrows to buy a machine, it’s a good thing, not a bad thing. During the past six years, America—its government, its families, the country as a whole—has been borrowing to sustain its consumption. Meanwhile, investment in fixed assets—the plants and equipment that help increase our wealth—has been declining.

I'm an extremely wealthy man. I own the sky. I have invested all my capital in the sun. I'm not bad-tempered, as you seem to imagine, nor do I bear grudges. But like all wealthy men, I'm a little frightened of losing my fortune.

It was a small but life-changing move. I didn't stop to ask myself then what would happen to all the kids who'd been left in the basement with the teacher who couldn't teach. Now that I'm an adult, I realize that kids know at a very young age when they're being devalued, when adults aren't invested enough to help them learn. Their anger over it can manifest itself as unruliness. It's hardly their fault. They aren't "bad kids." They're just trying to survive bad circumstances.

Kids know at a very young age when they’re being devalued, when adults aren’t invested enough to help them learn. Their anger over it can manifest itself as unruliness. It’s hardly their fault. They aren’t “bad kids.” They’re just trying to survive bad circumstances.

Little tears had started slipping out of my eyes and down onto the pillow. I wasn’t sad, I didn’t know why I was crying. I’d had this problem before, with Bobbi, who believed it was an expression of my repressed feelings. I couldn’t stop the tears so I just laughed self-effacingly instead, to show that I wasn’t invested in the crying. I knew I was embarrassing myself badly, but there was nothing I could do about it.

1. Myth: Without God, life has no meaning. There are 1.2 billion Chinese who have no predominant religion, and 1 billion people in India who are predominantly Hindu. And 65% of Japan's 127 million people claim to be non-believers. It is laughable to suggest that none of these billions of people are leading meaningful lives. 2. Myth: Prayer works. Studies have now shown that inter-cessionary prayer has no effect whatsoever of the health or well-being of the subject. 3. Myth: Atheists are immoral. There are hundreds of millions of non-believers on the planet living normal, decent, moral lives. They love their children, care about others, obey laws, and try to keep from doing harm to others just like everyone else. In fact, in predominantly non-believing countries such as in northern Europe, measures of societal health such as life expectancy at birth, adult literacy, per capita income, education, homicide, suicide, gender equality, and political coercion are better than they are in believing societies. 4. Myth: Belief in God is compatible with science. In the past, every supernatural or paranormal explanation of phenomena that humans believed turned out to be mistaken; science has always found a physical explanation that revealed that the supernatural view was a myth. Modern organisms evolved from lower life forms, they weren't created 6,000 years ago in the finished state. Fever is not caused by demon possession. Bad weather is not the wrath of angry gods. Miracle claims have turned out to be mistakes, frauds, or deceptions. We have every reason to conclude that science will continue to undermine the superstitious worldview of religion. 5. Myth: We have immortal souls that survive death. We have mountains of evidence that makes it clear that our consciousness, our beliefs, our desires, our thoughts all depend upon the proper functioning of our brains our nervous systems to exist. So when the brain dies, all of these things that we identify with the soul also cease to exist. Despite the fact that billions of people have lived and died on this planet, we do not have a single credible case of someone's soul, or consciousness, or personality continuing to exist despite the demise of their bodies. 6. Myth: If there is no God, everything is permitted. Consider the billions of people in China, India, and Japan above. If this claim was true, none of them would be decent moral people. So Ghandi, the Buddha, and Confucius, to name only a few were not moral people on this view. 7. Myth: Believing in God is not a cause of evil. The examples of cases where it was someone's belief in God that was the justification for their evils on humankind are too numerous to mention. 8. Myth: God explains the origins of the universe. All of the questions that allegedly plague non-God attempts to explain our origins still apply to the faux explanation of God. The suggestion that God created everything does not make it any clearer to us where it all came from, how he created it, why he created it, where it is all going. In fact, it raises even more difficult mysteries: how did God, operating outside the confines of space, time, and natural law 'create' or 'build' a universe that has physical laws? We have no precedent and maybe no hope of answering or understanding such a possibility. What does it mean to say that some disembodied, spiritual being who knows everything and has all power, 'loves' us, or has thoughts, or goals, or plans? 9. Myth: There's no harm in believing in God. Religious views inform voting, how they raise their children, what they think is moral and immoral, what laws and legislation they pass, who they are friends and enemies with, what companies they invest in, where they donate to charities, who they approve and disapprove of, who they are willing to kill or tolerate, what crimes they are willing to commit, and which wars they are willing to fight.

The psychology of individuals – warts and all – must be a central consideration in the formulation of any practical investing approach. The good news here is that others’ misbehavior will consistently and systematically create opportunities for you. The bad news is that you are prone to all of the same quirks and are just as likely, in the absence of strict adherence to the rules, to create the same opportunities for others.

The moderate narcissist offers enough good days to keep you invested and enough bad days that hurt you and leave you utterly confused. Moderate narcissistic people have cognitive empathy, so they sometimes seem to “get it.” They are entitled and seek validation and have a cocky, but not menacing, arrogance. They are hypocritical and believe that there is one set of rules for them and another for everyone else. They often feel that they are the victim in situations that do not go their way. They do not take responsibility for their behavior and will shift blame onto others for anything that makes them look bad. They are deeply selfish and will choose what works for them to the detriment of you or anyone else.

Cravings are going to occur to you. So here's the rule of thumb about eating, or about investing in the stock market, or about anything else: If the impulse comes from a joyous thought that feels good, follow it. If the impulse comes from an uncomfortable thought that felt bad, don't follow it.

Have I ever told you how beautiful you are?” “You might’ve mentioned it once or twice before,” “That’s right. I did mention it before. I remember telling you how amazing you are. I think we were in front of a mirror.” “Does that sound familiar?” “Um, yeah. That seems vaguely familiar.” “Vaguely? Maybe I didn’t pound it into you hard enough.” “Oh, I think you pounded it in plenty hard.” “Maybe I should’ve taken the time to give you a good tongue-lashing, too, then.” “Oh, I think the form of communication you used was very effective.” “So it’s all coming back to you now?” “Yes, it’s all coming back to me.” “If you’re lying, I could sweat it out of you, you know.” “I’m not lying. It’s etched into my memory. Permanently.” “Maybe we should revisit it, just so you’re clear on everything we discussed. I want to make sure it’s in there. Nice and deep. So you never forget it.” “I doubt there’s anything you could do to get it in there any deeper.” “Oh, I can think of one or two things. The only way we’ll know for sure, though, is to try. And I don’t know about you, but I’m committed to this.  Invested. And I’m nothing if not thorough.

I genuinely believe that relationships with family and close friends are one of the greatest sources of happiness in life. It sounds simple, but like any important investment, these relationships need consistent attention and care. But there are two forces that will be constantly working against this happening. First, you’ll be routinely tempted to invest your resources elsewhere—in things that will provide you with a more immediate payoff. And second, your family and friends rarely shout the loudest to demand your attention. They love you and they want to support your career, too. That can add up to neglecting the people you care about most in the world. The theory of good money, bad money explains that the clock of building a fulfilling relationship is ticking from the start. If you don’t nurture and develop those relationships, they won’t be there to support you if you find yourself traversing some of the more challenging stretches of life, or as one of the most important sources of happiness in your life.

In business, there are no bad people. No one comes in to work to do a bad job on purpose.

Anger has a bad rap, but it is actually one of the most hopeful and forward thinking of all our emotions. It begets transformation, manifesting our passion and keeping us invested in the world. It is a rational and emotional response to trespass, violation, and moral disorder. It bridges the divide between what “is” and what “ought” to be, between a difficult past and an improved possibility.

Because Not All Men, right? I mean, we'd hate to make them feel bad. If men are genuine allies to women - if they are genuinely invested in our liberation and equality - why should they feel entitled to any kind of acknowledgement or reward? More to the point, why do we feel constantly pressured to give it to them? The roots of patriarchy run very, very deep. Some feminists fear that if we don't mollycoddle sympathetic men, they'll throw a tantrum and go home. But doesn't this urge to placate and flatter simply replicate the same power dynamics that underpin our oppression in the first place?

Corporate executives and businessmen do not. So somebody who wants to invest in a dam or build a steel plant or a buy a bauxite mine is not considered a security hazard, whereas a scholar who might wish to participate in a seminar about, say, displacement or communalism, or rising malnutrition in a globalized economy, is. Foreign terrorists with bad intentions have probably guessed by now that they are better off wearing Prada suits and pretending they want to buy a mine than wearing old corduroys and saying they want to attend a seminar. (Some would argue that mine buyers in Prada suits are the real terrorists.)

Since dad is most at risk of being both bad-mouthed and less involved, lets look at three reasons bad-mouthing sin is in conflict with your child's best interest: 1. Your children grow up feeling, "I hate who I am." 2. Your children fear that "loving dad is betraying mom." 3. Bad-mouthing undermines dad's motivation to invest money and time in the bank of love and to become responible in response to the hope for love.

The scarcity mindset in dating often goes hand in hand with the sunk cost fallacy. The sunk cost fallacy says that it is bad to lose something we have invested time, money, energy or emotions into, regardless of whether that something is still actually doing anything for you. Humans are highly risk averse creatures, so we tend to prefer NOT losing something over potentially gaining something, even if we don't like what we would lose.

In a lot of ways it is easier to do things on a large scale. It is easier to build a skyscraper in Manhattan than it is to buy a bungalow in the Bronx. For one thing, it takes just as much time to close a big deal as it does to close a small deal. You will endure as much stress and aggravation; you will have all the same headaches and problems. It is easier to finance a big deal. Bankers would much rather lend money for a big project than for a small one. They are more comfortable investing money in a big prestigious building than they are a rundown house in a bad section of town. If you succeed with the big project, you stand to gain a lot more money.

It feels bad to wade in the repercussions of our behavior, it feels good to apologize and disavow and consider oneself exempt moving forward. But being online, being white, being online as a white person, means never being exempt. Antiracist as a noun does not exist. There's only people doing the work, or not. The person genuinely invested in the work doesn't run from discomfort but accepts it as the price of personhood taken for granted.

It is not that we have a short space of time, but that we waste much of it. Life is long enough, and it has been given in sufficiently generous measure to allow the accomplishment of the very greatest things if the whole of it is well invested. But when it is squandered in luxury and carelessness, when it is devoted to no good end, forced at last by the ultimate necessity we perceive that it has passed away before we were aware that it was passing. So it is—the life we receive is not short, but we make it so, nor do we have any lack of it, but are wasteful of it. Just as great and princely wealth is scattered in a moment when it comes into the hands of a bad owner, while wealth however limited, if it is entrusted to a good guardian, increases by use, so our life is amply long for him who orders it properly.

It may, after all, be the bad habit of creative talents to invest themselves in pathological extremes that yield remarkable insights but no durable way of life for those who cannot translate their psychic wounds into significant art or thought. THEODORE ROSZAK, “IN SEARCH OF THE MIRACULOUS

That’s one small example, of a thousand that might happen over the course of an evening, of how a trusting team operates. And it’s why hiring is such a sobering responsibility. Because when you’re hiring, you’re hiring not only the people who are going to represent and support you, but the people who are going to represent and support the team already working for you. Morale is fickle, and even one individual can have an outsize and asymmetrical impact on the team, in either direction. Bring in someone who’s optimistic and enthusiastic and really cares, and they can inspire those around them to care more and do better. Hire someone lazy, and it means your best team members will be punished for their excellence, picking up the slack so the overall quality doesn’t drop. At the end of the day, the best way to respect and reward the A players on your team is to surround them with other A players. This is how you attract more A players. And it means you must invest as much energy into hiring as you expect the team to invest in their jobs. You cannot expect someone to keep giving all of themselves if you put someone alongside them who isn’t willing to do the same. You need to be as unreasonable in how you build your team as you are in how you build your product or experience. It’s also why you’ve got to hire slow. It’s so dreadful to be shorthanded that managers tend to rush in and find a body to fill the void. I know what it’s like to think, We need someone so desperately—how bad could this person be?

There's one big difference between the poor and the rich,' Kite says, taking a drag from his cigarette. We are in a pub, at lunch-time. John Kite is always, unless stated otherwise, smoking a fag, in a pub, at lunch-time. 'The rich aren't evil, as so many of my brothers would tell you. I've known rich people -- I have played on their yachts -- and they are not unkind, or malign, and they do not hate the poor, as many would tell you. And they are not stupid -- or at least, not any more than the poor are. Much as I find amusing the idea of a ruling class of honking toffs, unable to put their socks on without Nanny helping them, it is not true. They build banks, and broker deals, and formulate policy, all with perfect competency. 'No -- the big difference between the rich and the poor is that the rich are blithe. They believe nothing can ever really be so bad, They are born with the lovely, velvety coating of blitheness -- like lanugo, on a baby -- and it is never rubbed off by a bill that can't be paid; a child that can't be educated; a home that must be left for a hostel, when the rent becomes too much. 'Their lives are the same for generations. There is no social upheaval that will really affect them. If you're comfortably middle-class, what's the worst a government policy could do? Ever? Tax you at 90 per cent and leave your bins, unemptied, on the pavement. But you and everyone you know will continue to drink wine -- but maybe cheaper -- go on holiday -- but somewhere nearer -- and pay off your mortgage -- although maybe later. 'Consider, now, then, the poor. What's the worst a government policy can do to them? It can cancel their operation, with no recourse to private care. It can run down their school -- with no escape route to a prep. It can have you out of your house and into a B&B by the end of the year. When the middle-classes get passionate about politics, they're arguing about their treats -- their tax breaks and their investments. When the poor get passionate about politics, they're fighting for their lives. 'Politics will always mean more to the poor. Always. That's why we strike and march, and despair when our young say they won't vote. That's why the poor are seen as more vital, and animalistic. No classical music for us -- no walking around National Trust properties, or buying reclaimed flooring. We don't have nostalgia. We don't do yesterday. We can't bear it. We don't want to be reminded of our past, because it was awful; dying in mines, and slums, without literacy, or the vote. Without dignity. It was all so desperate, then. That's why the present and the future is for the poor -- that's the place in time for us: surviving now, hoping for better, later. We live now -- for our instant, hot, fast treats, to prep us up: sugar, a cigarette, a new fast song on the radio. 'You must never, never forget, when you talk to someone poor, that it takes ten times the effort to get anywhere from a bad postcode, It's a miracle when someone from a bad postcode gets anywhere, son. A miracle they do anything at all.

Clara’s parents, on the other hand, were fourth-generation Americans shaped predominately by the conventions of their gilded social class. A few smart investments—steel and timber did the trick—and they’d watched their inherited wealth grow to numbers so high that even they could scarcely conceive of them. As such, they had a fastidious respect for the orderly following of the rules and systems from which they benefited. It all made them feel quite secure in the correctness of their position within the social order, and security was Clara’s mother’s favorite feeling, outranked only by virtuous womanhood. (She was cousin Charles’s favorite aunt, after all.)

He thought of these things. Harry must have changed since then, become obnoxious or something. Julian reasoned that he could not have asked the Harry he now knew to invest so much money in the business. Well, maybe the winter had something to do with it. You went to the Gibbsville Club for lunch; Harry was there. You went to the country club to play squash on Whit Hofman's private court, and Harry was around. You went to the Saturday night drinking parties, and there was Harry; inescapable, everywhere. Carter Davis was there, too, and so was Whit; so was Froggy Ogden. But they were different. The bad new never had worn off Harry Reilly. And the late fall and winter seemed now to have been spoiled by room after room with Harry Reilly. You could walk outside in the summer, but even though you can walk outside in winter, winter isn't that way. You have to go back to the room soon, and there is no life in the winter outside of rooms. Not in Gibbsville, which was a pretty small room itself.

We have good news and bad news. The good news is that the dismal vision of human sexuality reflected in the standard narrative is mistaken. Men have not evolved to be deceitful cads, nor have millions of years shaped women into lying, two-timing gold-diggers. But the bad news is that the amoral agencies of evolution have created in us a species with a secret it just can’t keep. Homo sapiens evolved to be shamelessly, undeniably, inescapably sexual. Lusty libertines. Rakes, rogues, and roués. Tomcats and sex kittens. Horndogs. Bitches in heat.1 True, some of us manage to rise above this aspect of our nature (or to sink below it). But these preconscious impulses remain our biological baseline, our reference point, the zero in our own personal number system. Our evolved tendencies are considered “normal” by the body each of us occupies. Willpower fortified with plenty of guilt, fear, shame, and mutilation of body and soul may provide some control over these urges and impulses. Sometimes. Occasionally. Once in a blue moon. But even when controlled, they refuse to be ignored. As German philosopher Arthur Schopenhauer pointed out, Mensch kann tun was er will; er kann aber nicht wollen was er will. (One can choose what to do, but not what to want.) Acknowledged or not, these evolved yearnings persist and clamor for our attention. And there are costs involved in denying one’s evolved sexual nature, costs paid by individuals, couples, families, and societies every day and every night. They are paid in what E. O. Wilson called “the less tangible currency of human happiness that must be spent to circumvent our natural predispositions.”2 Whether or not our society’s investment in sexual repression is a net gain or loss is a question for another time. For now, we’ll just suggest that trying to rise above nature is always a risky, exhausting endeavor, often resulting in spectacular collapse. Any attempt to understand who we are, how we got to be this way, and what to do about it must begin by facing up to our evolved human sexual predispositions. Why do so many forces resist our sustained fulfillment? Why is conventional marriage so much damned work? How has the incessant, grinding campaign of socio-scientific insistence upon the naturalness of sexual monogamy combined with a couple thousand years of fire and brimstone failed to rid even the priests, preachers, politicians, and professors of their prohibited desires? To see ourselves as we are, we must begin by acknowledging that of all Earth’s creatures, none is as urgently, creatively, and constantly sexual as Homo sapiens.

the world is much stranger than we know or can say. And I know how you think, or how you like to think, but maybe this is one instance where you can’t boil down to pure ‘good’ or pure ‘bad’ like you always want to do—? Like, your two different piles? Bad over here, good over here? Maybe not quite so simple. Because—all the way driving here, driving all night, Christmas lights on the motorway and I’m not ashamed to tell you, I got choked up—because I was thinking, couldn’t help it, about the Bible story—? you know, where the steward steals the widow’s mite, but then the steward flees to far country and invests the mite wisely and brings back thousandfold cash to widow he stole from? And with joy she forgave him, and they killed the fatted calf, and made merry?” “I think that’s maybe not all the same story.

Stop Rewarding Bad Behavior – If narcissists are emotionally like children, the last thing we want to do is give them candy every time they walk in our houses with dirty shoes. If your narcissist is hoovering you after discarding you horrifically, the best satisfaction would be to give them nothing but silence. Complete withdrawal and indifference is what destroys the narcissist and keeps them up at night. If your narcissist did not appreciate your presence, why not give them your absence? If you are dealing with a narcissist you can’t avoid, don’t indulge them in their grandiose fantasies. Stop giving them so much air time with your people-pleasing habits. Don’t invest more energy than you need to. Every ounce you give the narcissist is energy you could be using to better yourself. Remember, it’s time to idealize and supply yourself – not the narcissist.

I do not believe in God. Instead I believe in the power of Family. And occasionally, when I’m feeling optimistic, in free will. But blood is a force to be reckoned with. God, for example, can’t give you an excellent head of hair. Your family can. They can also give you cancer. And heart disease. Nothing kills like Family. I see my past stretched out in front of me—one flawed, damaged, beleaguered ancestor after another. The secret. The tragedy. The unfulfilled promise. The one success that got away. My present is a conglomeration of the mistakes, missteps, dubious additions to the gene pool, and bad investments made by my parents, grandparents, great-grandparents, and great-great-grandparents. But after that, there is my future—what is left when the Family has left the building. Has finished fucking with me. It’s not much to work with, but it’s mine. Thank God for free will, right?

Scelza also discovered that cultures differ dramatically in how much parental investment men typically devote to their children. In cultures with heavy male parental investment, men showed an even stronger endorsement of sexual infidelity as more distressing than emotional infidelity; more than 90 percent in those cultures, such as the Himba, chose sexual infidelity as more jealousy inducing. The more investment men make, the more important it becomes for them to ensure that they are the actual genetic fathers, at least from an evolutionary perspective. In short, cultures vary in how jealous men get about a partner’s sexual infidelity, but it’s not random or arbitrary cultural variability. It is theoretically predictable variability based on how much men invest in their children, which in turn corresponds to the costs they would incur by investing in a child who might just be their rival’s.

That’s why time-friendly people tend to make fewer emotional commitments than my friend Bernard does. They have a profound understanding of how much time it takes to be there for someone, so they think, deliberate, and pray long and hard before they decide to invest in a relationship. You might think they’re aloof or uncaring. They’re not. They are, instead, unwilling to write bad checks, emotionally speaking. Another friend, Pamela, recently passed the time test with flying colors. We’ve known each other a long time, and I needed her input on a big decision I was making. I knew she was busy, but I called her anyway, asking, “Can we do lunch?” Pamela lives quite a drive away, but she checked her calendar (another trait of safe people!), and we made an appointment. A few days later, we met, and I told her how much it meant to me for her to take the time out for me. She was genuinely surprised. “Well, I told you I’d be here, didn’t I?” Tears came to my eyes. For Pamela, a relationship means that you’re there for good. End of conversation. Look for people who are “anchored” over time. Don’t go for flashy, intense, addictive types. A Ford that will be there tomorrow is a lot better than a Maserati that might be gone. There are stable Maseratis. But it’s best to drive them awhile, that is, test out the relationship over time, to make sure.

Many researchers have sought the secret of successful education by identifying the most successful schools in the hope of discovering what distinguishes them from others. One of the conclusions of this research is that the most successful schools, on average, are small. In a survey of 1,662 schools in Pennsylvania, for instance, 6 of the top 50 were small, which is an overrepresentation by a factor of 4. These data encouraged the Gates Foundation to make a substantial investment in the creation of small schools, sometimes by splitting large schools into smaller units. At least half a dozen other prominent institutions, such as the Annenberg Foundation and the Pew Charitable Trust, joined the effort, as did the U.S. Department of Education’s Smaller Learning Communities Program. This probably makes intuitive sense to you. It is easy to construct a causal story that explains how small schools are able to provide superior education and thus produce high-achieving scholars by giving them more personal attention and encouragement than they could get in larger schools. Unfortunately, the causal analysis is pointless because the facts are wrong. If the statisticians who reported to the Gates Foundation had asked about the characteristics of the worst schools, they would have found that bad schools also tend to be smaller than average. The truth is that small schools are not better on average; they are simply more variable. If anything, say Wainer and Zwerling, large schools tend to produce better results, especially in higher grades where a variety of curricular options is valuable. Thanks to recent advances in cognitive psychology,

She’d flown in at his old job up north, which had been gradually reduced from analysis and management to a more reactive and administrative role. Due to his own baggage, he guessed. Due to the fact it always started out well, but then, if he stayed too long … sometimes something happened, something he couldn’t quite define. He became too invested. He became too empathic, or less so. It confused him when it all went to shit because he couldn’t remember the point at which it had started to go bad—was still convinced he could get the formula right.

A prison is perhaps the easiest place to see the power of bad incentives. And yet in many walks of life, we find otherwise normal men and women caught in the same trap and busily making the world much less good than it could be. Elected officials ignore long-term problems because they must pander to the short-term interests of voters. People working for insurance companies rely on technicalities to deny desperately ill patients the care they need. CEOs and investment bankers run extraordinary risks—both for their businesses and for the economy as a whole—because they reap the rewards of success without suffering the penalties of failure. District attorneys continue to prosecute people they know to be innocent because their careers depend on winning cases. Our government fights a war on drugs that creates the very problem of black-market profits and violence that it pretends to solve. We need systems that are wiser than we are. We need institutions and cultural norms that make us more honest and ethical than we tend to be. The project of building them is distinct from—and, in my view, even more important than—an individual’s refining his personal ethical code.

What was in New York?” “I had to sign a new contract. A Thin Blue Line was renewed for another season.” “Oh, that’s awesome!” I heard rumblings on a few of the news outlets that the show might get dropped. “I really hope you’re finally able to get a new partner. I don’t know why they keep pushing that story line. Tina is not a good match for Jimmy. Brody and I have been riding together for almost seven years, and I would punch myself in the face before I ever kissed him. The show needs to give Jimmy a woman who he saved or something. That would be an interesting plot. Also, your brother on the show has to stop sleeping with that model. Twitter went nuts when he went back to her. She’s a bitch.” Eli’s gaze shifts to mine, and he chuckles. “I thought you didn’t watch the show.” Crap. I did say that. I chew on my thumb and shrug. “I guess I’ve seen a few seasons.” I say the last word under my breath, hoping he didn’t catch it. “Seasons?” No such luck. “Whatever. It’s just to see how bad you butcher my job.” Eli shakes his head and grabs my hand. His fingers thread with mine and then he gently squeezes. “Sounds like you’re a little more invested than that.” “Fine,” I admit. “I watch it religiously." He brings my hand to his lips and kisses my knuckles. “I knew you liked me.” I laugh and hit his chest with our entwined hands. “You’re crazy. I like your show, but seriously, tell the writers they need to clear that up.

Richard Lovelace makes a compelling case that the best defense is a good offense. “The ultimate solution to cultural decay is not so much the repression of bad culture as the production of sound and healthy culture,” he writes. “We should direct most of our energy not to the censorship of decadent culture, but to the production and support of healthy expressions of Christian and non-Christian art.”10 Public protests and boycotts have their place. But even negative critiques are effective only when motivated by a genuine love for the arts. The long-term solution is to support Christian artists, musicians, authors, and screenwriters who can create humane and healthy alternatives that speak deeply to the human condition. Exploiting “Talent” The church must also stand against forces that suppress genuine creativity, both inside and outside its walls. In today’s consumer culture, one of the greatest dangers facing the arts is commodification. Art is treated as merchandise to market for the sake of making money. Paintings are bought not to exhibit, nor to grace someone’s home, but merely to resell. They are financial investments. As Seerveld points out, “Elite art of the New York school or by approved gurus such as Andy Warhol are as much a Big Business today as the music business or the sports industry.”11 Artists and writers have been reduced to “talent” to be plugged into the manufacturing process. That approach may increase sales, but it will suppress the best and highest forms of art. In the eighteenth century, the world nearly lost the best of Mozart’s music because the adults in the young man’s life treated him primarily as “talent” to exploit.

Ten New Rules for Parent–Adult Child Relations RULE #1: Your adult child has more power than you to set the terms of your relationship because they’re more willing to walk away. Basic game theory: she who cares less has more power. RULE # 2: Your relationship with your adult child needs to occur in an environment of creating happiness and personal growth, not an environment of obligation, emotional debt, or duty. RULE # 3: You are not the only authority on how well you performed as a parent. Your adult child gets to have their own narrative and opinions about the past. RULE #4: Use of guilt trips or criticism will never get you what you want from your adult child, especially if you’re estranged. RULE #5: Learning to communicate in a way that is egalitarian, psychological, and self-aware is essential to a good relationship with your adult child. RULE #6: You were the parent when you were raising your child and you’re the parent until they die. You brought your child into this world. That means that if your child is unable to take the high road, you still have to if reconciliation is your goal. RULE #7: A large financial and emotional investment in your child does not entitle you to more contact or affection than that which is wanted by them, however unjust that may seem. RULE #8: Criticizing your child’s spouse, romantic partner, or therapist greatly increases your risk of estrangement. RULE #9: Criticizing your child’s sexuality or gender identity greatly increases your risk of estrangement. RULE #10: Just because you had a bad childhood and did a better job than your parents doesn’t mean that your adult child has to accept all of the ways that they felt hurt by you.

How long have you been a financial advisor? At least ten years is what you want to hear. Experience is an important factor. You want to know that the person giving you advice has been through good and bad economic times. What certificates, licenses, or accreditations do you have? Your advisor has got to be licensed to give you advice. Nobody, and I mean nobody, should be giving financial advice in any way, shape, or form if they have not taken the time to get the necessary credentials to give you that advice. At the very least, you want your advisor to have one if not more of the following certifications and licenses: ~ CERTIFIED FINANCIAL PLANNER™ (CFP®) ~ Chartered Financial Consultant (ChFC) ~ Personal Financial Specialist (PFS) ~ NAPFA-Registered Financial Advisor ~ Financial Planning Association (FPA) ~ A Series 7 license ~ A Series 6 license ~ Registered Investment Advisors License

no matter how you look at the issue, prevention is a fundamentally preferable and more cost-effective way to promote health and longevity. Most people agree that we invest insufficiently in prevention, but they would also surmise that it is difficult to get young, healthy people to avoid behaviors that increase their risk of future illness. Consider smoking, which causes more preventable deaths than any major risk factor (the other big ones being physical inactivity, poor diet, and alcohol abuse). After prolonged legal battles, public health efforts to discourage smoking have managed to halve the percentage of Americans who smoke since the 1950s.19 Yet 20 percent of Americans still smoke, causing 443,000 premature deaths in 2011 at a direct cost of $96 billion per year. Likewise, most Americans know they should be physically active and eat a healthy diet, yet only 20 percent of Americans meet the government’s recommendations for physical activity, and fewer than 20 percent meet government dietary guidelines.20 There are many, diverse reasons we are bad at persuading, nudging, or otherwise encouraging people to use their bodies more as they evolved to be used (more on this later), but one contributing factor could be that we are still following in the footsteps of the marquis de Condorcet, waiting for the next promised breakthrough. Scared of death and hopeful about science, we spend billions of dollars trying to figure out how to regrow diseased organs, hunting for new drugs, and designing artifical body parts to replace the ones we wear out. I am in no way suggesting that we cease investing in these and other areas. Quite the contrary: let’s spend more! But let’s not do so in a way that promotes the pernicious feedback loop of just treating mismatch diseases rather than preventing them. In practical

Putting it all together, fluctuations in attitudes and behavior combine to make the stock market the ultimate pendulum. In my 47 full calendar years in the investment business, starting with 1970, the annual returns on the S&P 500 have swung from plus 37% to minus 37%. Averaging out good years and bad years, the long-run return is usually stated as 10% or so. Everyone’s been happy with that typical performance and would love more of the same. But remember, a swinging pendulum may be at its midpoint “on average,” but it actually spends very little time there. The same is true of financial market performance. Here’s a fun question (and a good illustration): for how many of the 47 years from 1970 through 2016 was the annual return on the S&P 500 within 2% of “normal”—that is, between 8% and 12%? I expected the answer to be “not that often,” but I was surprised to learn that it had happened only three times! It also surprised me to learn that the return had been more than 20 percentage points away from “normal”—either up more than 30% or down more than 10%—more than one-quarter of the time: 13 out of the last 47 years. So one thing that can be said with total conviction about stock market performance is that the average certainly isn’t the norm. Market fluctuations of this magnitude aren’t nearly fully explained by the changing fortunes of companies, industries or economies. They’re largely attributable to the mood swings of investors. Lastly, the times when return is at the extremes aren’t randomly distributed over the years. Rather they’re clustered, due to the fact that investors’ psychological swings tend to persist for a while—to paraphrase Herb Stein, they tend to continue until they stop. Most of those 13 extreme up or down years were within a year or two of another year of similarly extreme performance in the same direction.

He seemed a little surprised that writers in America do not get together, do not associate with one another very much. In the Soviet Union writers are very important people. Stalin has said that writers are the architects of the human soul. We explained to him that writers in America have quite a different standing, that they are considered just below acrobats and just above seals. And in our opinion this is a very good thing. We believe that a writer, particularly a young writer, too much appreciated, is as likely to turn as heady as a motion-picture actress with good notices in the trade journals. And we believe that the rough-and-tumble critical life an American writer is subject to is very healthy for him in the long run. It seems to us that one of the deepest divisions between the Russians and the Americans or British, is in their feeling toward their governments. The Russians are taught, and trained, and encouraged to believe that their government is good, that every part of it is good, and that their job is to carry it forward, to back it up in all ways. On the other hand, the deep emotional feeling among Americans and British is that all government is somehow dangerous, that there should be as little government as possible, that any increase in the power of government is bad, and that existing government must be watched constantly, watched and criticized to keep it sharp and on its toes. And later, on the farms, when we sat at table with farming men, and they asked how our government operated, we would try to explain that such was our fear of power invested in one man, or in one group of men, that our government was made up of a series of checks and balances, designed to keep power from falling into any one person’s hands. We tried to explain that the people who made our government, and those who continue it, are so in fear of power that they would willingly cut off a good leader rather than permit a precedent of leadership. I do not think we were thoroughly understood in this, since the training of the people of the Soviet Union is that the leader is good and the leadership is good. There is no successful argument here, it is just the failure of two systems to communicate one with the other.

I enjoyed practicing corporate law, and for a while I convinced myself that I was an attorney at heart. I badly wanted to believe it, since I had already invested years in law school and on-the-job training, and much about Wall Street law was alluring. My colleagues were intellectual, kind, and considerate (mostly). I made a good living. I had an oce on the forty-second oor of a skyscraper with views of the Statue of Liberty. I enjoyed the idea that I could ourish in such a high-powered environment. And I was pretty good at asking the “but” and “what if” questions that are central to the thought processes of most lawyers. It took me almost a decade to understand that the law was never my personal project, not even close. Today I can tell you unhesitatingly what is: my husband and sons; writing; promoting the values of this book. Once I realized this, I had to make a change. I look back on my years as a Wall Street lawyer as time spent in a foreign country. It was absorbing, it was exciting, and I got to meet a lot of interesting people whom I never would have known otherwise. But I was always an expatriate.

Life is pretty short yet magnanimous if we know just how to live right. It isn't that easy, it takes a lot of our soul, sometimes too many broken pieces to finally come together in binding a masterpiece that smiles like a solitary star forever gazing around at the music of an eternal cosmos. The most brutal yet beautiful truth about Life is that It is marked, marked with Time where every moment takes us closer to death, it doesn't have to sound or feel bad or scary because death is the most inevitable truth in this mortal world. While the knowledge of death jolts our mind with the uncertainty of Life, clutches us in the emotion of fear to think of pain or the loss of bonds, when we acknowledge that as a part of our souls' journey and take every moment as our precious gift, a blessing to experience this Life with its beautiful garden of emotions blossoming with wonderful smiles that we can paint on others, then we make our Life magnanimous, then we make even the very face of death as that of an angel coming to take us to a different voyage, soaked in a lot of memories and experiences beautifully binding our soul. I have realised that when we live each day as if it's the last day of our life, we become more loving and gentle to everyone around and especially to our own selves. We forgive and love more openly, we grace and embrace every opportunity we get to be kind, to stay in touch with everything that truly matters. I have realised that when we rise every morning with gratitude knowing that the breath of air still passes through our body, just in the mere understanding that we have one more day to experience Life once again, we stay more compassionate towards everything and everyone around and invest more of our selves into everything and everyone that truly connect and resonate with our soul. I have realised that when we consciously try to be good and kind, no matter however bad or suffocating a situation is we always end up taking everything at its best holding on to the firm grip of goodness, accepting everything as a part of our souls' lesson or just a turn of Time or Fate and that shapes into our strength and roots our core with the truest understanding of Life, the simple act of going on and letting go. Letting go of anything and everything that chains our Soul while going on with a Heart open to Love and a Soul ready to absorb all that falls along the pathway of this adventure called Life. I have realised that when we are kind and do anything good for another person, that gives us the most special happiness, something so pure that even our hearts don't know how deep that joy permeates inside our soul. I have realised that at the end of the day we do good not because of others but because of our own selves, for if tomorrow death comes to grace me I hope to smile and say I have Lived, loved unconditionally and embraced forgiveness, kindness and goodness and all the other colours of Love with every breath I caught, I have lived a Life magnanimous. So each time someone's unkind towards you, hold back and smile, and try to give your warmth to that person. Because Kindness is not a declaration of who deserves it, it's a statement of who you are. So each time some pieces of your heart lay scattered, hold them up and embrace everyone of them with Love. Because Love is not a magic potion that is spilled from a hollow space, it's a breath of eternity that flows through the tunnel of your soul. So each time Life puts up a question of your Happiness, answer back with a Smile of Peace. Because Happiness is not what you look for in others, it's what you create in every passing moment, with the power of Life, that is pretty short when we see how counted it stands in days but actually turns out absolutely incredibly magnanimous when loved and lived in moments.