Banking Career Quotes

Your comfort zone is a place where you keep yourself in a self-illusion and nothing can grow there but your potentiality can grow only when you can think and grow out of that zone.

Elite students climb confidently until they reach a level of competition sufficiently intense to beat their dreams out of them. Higher education is the place where people who had big plans in high school get stuck in fierce rivalries with equally smart peers over conventional careers like management consulting and investment banking. For the privilege of being turned into conformists, students (or their families) pay hundreds of thousands of dollars in skyrocketing tuition that continues to outpace inflation. Why are we doing this to ourselves?

I like the idea of saving to buy a place of my own or having some extra in the bank for an adventure once I figure out what kind of adventure I want to have. I see all these choices unrolling in front of me - career, travel, friends, geography - and despite things being insane and hard and messy, I don't think I've ever liked myself more than I do now. It's the strangest feeling to be proud simply because I'm taking care of me and mine. Is this what it's like to grow up?

Your VISION and your self-willingness is the MOST powerful elements to conquer your goal

Autumn is a momentum of the natures golden beauty…, so the same it’s time to find your momentum of life

Your traditional EDUCATION is not going to CHANGE your life but the life you are experiencing that can change you. Choose a POSITIVE life STYLE with positive ATTITUDE which could bring you a life with HAPPINESS and WISDOM

HONESTY COMPOUNDS. It compounds exponentially. No matter what happens in your bank account, in your career, in your promotions, in your startups. Honesty compounds exponentially, not over days or weeks, but years and decades. More people trust your word and spread the news that you are a person to be sought out, sought after, given opportunity, given help, or given money. This is what will build your empire.

Your every positive action in your life will increase your self-esteem and this self-esteem will boost you for more positive action to take you on success

How you think and create your inner world that you gonna become in your outer world. Your inner believe manifest you in the outside

If you are not EXCITED enough at your present life its mean your future is not EXITING. Excitement will give you ENTHUSIASM and enthusiasm will give you a positive energetic LIFE STYLE which could give you a successful exiting life…

Now I see what the audience saw, how he misled the Careers about me, stayed awake the entire night under the traker jacker tree, fought Cato to let me escape and even while he lay in that mud bank, whispered my name in his sleep. I seem heartless in comparison- dodging fireballs, dropping nests, and blowing up supplies- until I go hunting for Rue. They play her death in full, the spearing, my failed rescue attempt, my arrow through the boy from District 1's throat, Rue drawing her last breath in my arms. And the song. I get to sing every note of the song. Something inside me shuts down and I'm too numb to feel anything. It's like watching complete strangers in another Hunger Games. But I do notice they omit the part where I covered her in flowers. Right. Because even that smacks of rebellion.

CONFIDENCE is not showing off your VANITY, it’s about to be HUMBLED and KIND to others what are you truly SKILLED and PROFESSIONAL about…

Give yourself a great self-respect to know who you are then your confidence will shine on you

Cliché: "The MBA changed my life." What it really means: "A fantastic career, a great social life and a healthy bank balance...three of the things I had before I started the program.

Never in a million years did I think I’d end up making a career out of singing. I didn’t think it was possible. As far as I knew, the only way I could make any dough was to go and work in a factory, like everyone else in Aston. Or rob a f**king bank.

it’s the people we make our lives with that make our lives. Not our careers or titles or bank accounts.

REJECTION is kind of your negative ILLUSION which has no value but it’s give you a CLUE to go for next level of your ACTION.

I like the idea of saving to buy a place of my own or having some extra in the bank for an adventure once I figure out what kind of adventure I want to have. I see all these choices unrolling in front of me—career, travel, friends, geography—and despite things being insane and hard and messy, I don’t think I’ve ever liked myself more than I do now. It’s the strangest feeling to be proud simply because I’m taking care of me and mine. Is this what it’s like to grow up?

when you become addict in to MATERIAL things in life then the TRUE natural life start to run away from you, YES! it's can give you certain pleasure in the society but in the same time it will sabotage your true HAPPINESS of life which we could have simply with GRATITUDE and FORGIVENESS

A little while ago, I stood by the grave of the old Napoleon—a magnificent tomb of gilt and gold, fit almost for a dead deity—and gazed upon the sarcophagus of rare and nameless marble, where rest at last the ashes of that restless man. I leaned over the balustrade and thought about the career of the greatest soldier of the modern world. I saw him walking upon the banks of the Seine, contemplating suicide. I saw him at Toulon—I saw him putting down the mob in the streets of Paris—I saw him at the head of the army of Italy—I saw him crossing the bridge of Lodi with the tri-color in his hand—I saw him in Egypt in the shadows of the pyramids—I saw him conquer the Alps and mingle the eagles of France with the eagles of the crags. I saw him at Marengo—at Ulm and Austerlitz. I saw him in Russia, where the infantry of the snow and the cavalry of the wild blast scattered his legions like winter's withered leaves. I saw him at Leipsic in defeat and disaster—driven by a million bayonets back upon Paris—clutched like a wild beast—banished to Elba. I saw him escape and retake an empire by the force of his genius. I saw him upon the frightful field of Waterloo, where Chance and Fate combined to wreck the fortunes of their former king. And I saw him at St. Helena, with his hands crossed behind him, gazing out upon the sad and solemn sea. I thought of the orphans and widows he had made—of the tears that had been shed for his glory, and of the only woman who ever loved him, pushed from his heart by the cold hand of ambition. And I said I would rather have been a French peasant and worn wooden shoes. I would rather have lived in a hut with a vine growing over the door, and the grapes growing purple in the kisses of the autumn sun. I would rather have been that poor peasant with my loving wife by my side, knitting as the day died out of the sky—with my children upon my knees and their arms about me—I would rather have been that man and gone down to the tongueless silence of the dreamless dust, than to have been that imperial impersonation of force and murder, known as 'Napoleon the Great.

I guided my heap into the heart of Capitol Hill wondering for the first time in fourteen years what I could do to get money besides drive cabs or rob banks. Both occupations had their pros and cons. For instance, bank robbery isn't quite as dangerous as cab driving, but it pays better.

Setting a goal is like to set your destination point in your life GPS which could take you to your desire position as you dreamed about...

During most of my Bureau career I worked major economic fraud investigations and was amazed at the schemes con-artist and corrupt corporate and public officials would devise to steal other people’s money. I’ve also had the opportunity to work bank robberies and drug investigations. The one thing I know for sure is… With a gun you can steal hundreds. With a pen you can steal millions.

Mental toughness can be demonstrated at a particular moment in time or over the long term, as in your overall career success. Doing the thing that is hard over and over again is like depositing money in your inner-strength bank account.

The right books are like crowbars for our imaginations. When we find ourselves stuck at some place in life, the right book can pry open our inner idea banks. You know those moments: life has become so routine you could do it in your sleep-in fact, you wish you could. You need a change, but you're not sure if it calls for a career switch, a life overhaul, or just a new hairstyle. During these seasons, the right book challenges you to think differently, to see life in a new light, to bring resolution to a problem, or make a life-changing decision. Books can propel you out of life's occasional ruts. Through their mind-expanding, heart swelling, pulse-quickening words and ideas, books become like WD-40 for our brains

Anyone who’s ever gone to the gym knows that the results aren’t immediate. You don’t spend thirty minutes on the treadmill and look like a new person. But that doesn’t mean what you’re doing isn’t working. You’re making progress. With each exercise, each step, each movement, each action, you get a little better, a little closer. Until one day you look in the mirror and think, “Wow!” It’s the same thing with your business or your health, or your career or your relationships. Even when you don’t see anything happening, it is. Even when you’re not quite hitting the mark, you’re making progress. Until one day you look at your bank balance or your new job or your children or your new house and think, “Wow!” That’s why you have to keep going. Relentlessly.

I like to judge people and it was clear to me that Colin’s life has been about as exciting as a cluster headache. You can tell this just from his humour tumour which runs through every conversation you have with him. I got the impression that Colin had arrived at his early fifties resenting the fact that he’s spent his entire career worshiping at the altar of Dynasty PLC. But he is now so indoctrinated by the world of corporate banking that he’s forgotten how to express the real him. This is what a life working for large corporations does to people. The workplace is a place not to be you; it’s a place to be the corporate you. The you that doesn’t really exist. We all see this corporate you and pretend that it’s a normal part of life. But we know that something isn’t quite right. We know that the real you is slowly fading away like old wallpaper. The corporate you is a myth; just like Icarus. And yet we are powerless against it. All of us are powerless against the wrath of the corporate world.

When you left me I was lost. I didn’t know what to do, who I was or what I was going to do. Time froze for me. I woke up every morning with you in my head. That feeling of being lost, not knowing who I was, was terrible. It was so bad that I spent everyday numbing my pain with drugs and alcohol until I passed out. Not because I enjoyed it but because it was the only way I could sleep. When I look back, you had every reason to leave me. I was no good for you. We rotted at my place, didn’t do anything, treated you bad, picked everything over you. I had no motivation to do begin work, debt stacked up higher and higher. Until finally, welcome to rock bottom. Heck im surprised you stayed as long as you did. But when you left and I realized what I did to cause this, I thought to my self that when I look back at this I want to know I tried to get her back. I couldn’t let you go without a fight, I wanted to know that I tried to get you back. And I tried. After I saw you with another person my heart broke in pieces and like pieces of glass it felt stuck in my throat. You told me its what you wanted to do from the beginning and I didn’t want to believe it. But after that I gave up on you and decided to pick up whatever pieces I had left and move on. At least I tried, that’s what I told my self. If I could go back and do it all over again, would I do it differently? Of course, but that’s not reality. I focused on what was. In a way im glad things happened this way. It opened my eyes to a different world, it made me who iam today. It gave me the best motivation possible, to prove to you and my self that I could be better. I used you everyday to get to that extra mile. Waking up every morning at awkward times thinking about you and not being able to fall back asleep. I used that to motivate me to start work everyday at 6am. And now I sit here with my successful career, my new girl friend, debt free and a fat bank account in less then a year and I have no one else to thank but MY SELF! To everyone that has made a mistake, im here to tell you that it always gets worse before its gets better!

There is a spot in my foot I can’t feel. I stepped on a piece of glass and the nerves there are dead now. The doctor said they’d grow back, but it’s been years and that place is still numb. That was how my heart had felt for years. Like all the cracks callused over. That enabled me to focus on what mattered. I built a life for me and Libby, a home that no bank or ex-boyfriend could ever take from us. I watched my friends in relationships make compromise after compromise, shrinking into themselves until they were nothing but a piece of a whole, until all their stories came from the past, and their career aspirations, their friends, and their apartments were replaced by our aspirations, our friends, our apartment. Half lives that could be taken from them without any warning.

Higher education is the place where people who had big plans in high school get stuck in fierce rivalries with equally smart peers over conventional careers like management consulting and investment banking. For the privilege of being turned into conformists, students (or their families) pay hundreds of thousands of dollars in skyrocketing tuition that continues to outpace inflation. Why are we doing this to ourselves?

After several rounds of interviews with Google’s founders, they offered me a job. My bank account was diminishing quickly, so it was time to get back to paid employment, and fast. In typical—and yes, annoying—MBA fashion, I made a spreadsheet and listed my various opportunities in the rows and my selection criteria in the columns. I compared the roles, the level of responsibility, and so on. My heart wanted to join Google in its mission to provide the world with access to information, but in the spreadsheet game, the Google job fared the worst by far. I went back to Eric and explained my dilemma. The other companies were recruiting me for real jobs with teams to run and goals to hit. At Google, I would be the first “business unit general manager,” which sounded great except for the glaring fact that Google had no business units and therefore nothing to actually manage. Not only was the role lower in level than my other options, but it was entirely unclear what the job was in the first place. Eric responded with perhaps the best piece of career advice that I have ever heard. He covered my spreadsheet with his hand and told me not to be an idiot (also a great piece of advice). Then he explained that only one criterion mattered when picking a job—fast growth. When

Every inch of space was used. As the road narrowed, signs receded upwards and changed to the vertical. Businesses simply soared from ground level and hung out vaster, more fascinatingly illuminated shingles than competitors. We were still in a traffic tangle, but now the road curved. Shops crowded the pavements and became homelier. Vegetables, spices, grocery produce in boxes or hanging from shop lintels, meats adangle - as always, my ultimate ghastliness - and here and there among the crowds the alarming spectacle of an armed Sikh, shotgun aslant, casually sitting at a bank entrance. And markets everywhere. To the right, cramped streets sloped down to the harbor. To the left, as we meandered along the tramlines through sudden dense markets of hawkers' barrows, the streets turned abruptly into flights of steps careering upwards into a bluish mist of domestic smoke, clouds of washing on poles, and climbing. Hong Kong had the knack of building where others wouldn't dare.

Finnish women are dominant,' Roman Schatz enthused. 'Traditionally, on Finnish farms the woman was chief of everything under the roof, including the males, and the men were there to take care of everything outside. No Finnish man would ever decide anything without consulting his wife. Men do the dishes. We don't have housewives in Finland - no one can afford to live from one salary. Women don't stay at home and breast-feed, they have their own careers and bank accounts. It's great - my divorce only cost me a hundred euro.

How different it could all have been … Taylor Swift was never meant to be a singer-songwriter; she was supposed to become a stockbroker. Her parents even chose her Christian name with a business path in mind. Her mother, Andrea, selected a gender-neutral name for her baby girl so that when she grew up and applied for jobs in the male-dominated finance industry no one would know if she were male or female. It was a plan that came from a loving place, but it was not one that would ever be realised. Instead, millions and millions of fans across the world would know exactly which gender Andrea’s firstborn was, without ever meeting her. In Taylor’s track ‘The Best Day’, which touchingly evokes a childhood full of wonder, she sings of her ‘excellent’ father whose ‘strength is making me stronger’. That excellent father is Scott Kingsley Swift, who studied business at the University of Delaware. He lived in the Brown residence hall. There, he made lots of friends, one of whom, Michael DiMuzio, would later cross paths with Taylor professionally. Scott graduated with a first-class degree and set about building his career in similarly impressive style. Perhaps a knack for business is in the blood: his father and grandfather also worked in finance. Scott set up his own investment-banking firm called the Swift

I can feel the essence of Will, the space inside myself I created fourteen years ago, a habitat deep in my core where he lives. Sounds creepy, right? Like I’m lowering a bucket full of lotion to him. But hey, it’s my imagination. My brain. My heart. And having grown-up Will make grown-up Mallory a job offer is the closest thing to teen Mallory being asked to the prom by teen Will. It will have to do. Yet–I know I can’t say yes. My career isn’t the issue. Even my bank account, as starved and frail as it is, isn’t the issue. The issue is remarkably simple: I can’t take my personality and turn it back ten to fourteen years. Working for Will Lotham would do that to me.

I’m an overthinker. Many of us are. My mind gets racing a thousand miles a minute and I get anxious about my work, my career, or where I need to be in thirty minutes. Every day I need to shut down this machine and simply be still. Be aware of your breathing, really feel your breath going in, going out. Be aware of the feeling of the cloth on your shirt. Be aware of the grip on the steering wheel. Tell yourself--out oud--that the only thing that truly exists right now is this exact moment, and enjoy it, swim in it. Someone once said that your mind is like a raging river that’s full of debris, and when you’re floating in this river, you reach out and try to grab the branches and rocks. But what if you could climb onto the bank and watch the river? Suddenly you’re in a calm place. Maybe it sounds like a cliché to say, “Stop and smell the roses,” so I’ll tell you this instead: “Stop and watch the sunset.” Just the other night, driving home in L.A., I was struck by how beautiful the sky was--a dark blue canvas painted with strokes of bright orange and red. It was truly one of the most glorious sunsets I’d ever seen. I was stuck in traffic, worrying about one thing or another, and I just gazed out the window and drank it in. I let it fill my soul and inspire me. The world stopped revolving for just that split second, and my mind was still and calm. And to think, I could have missed it.

You’ve encountered it, I’m sure: friends who are obsessed by the need to get their children’s (or their own) teeth straightened, their thighs sculpted, their breasts or their backyards professionally redesigned … They want the perfect career trajectory, the perfect holiday, the perfect pesto, the perfect latte, the perfect eyebrow, the perfect orgasm … They yearn for perfect politicians (ha!), perfect banks, perfect cars, perfect shoes, perfect kitchens … our new angst springs from the discovery that our lives are falling short of some crazy ideal of perfection clogging our minds like a cancer … Nothing is perfect. Life is messy. Relationships are complex. Outcomes are uncertain. People are irrational.12

Do you like Phil Collins? I've been a big Genesis fan ever since the release of their 1980 album, Duke. Before that, I really didn't understand any of their work. Too artsy, too intellectual. It was on Duke where Phil Collins' presence became more apparent. I think Invisible Touch was the group's undisputed masterpiece. It's an epic meditation on intangibility. At the same time, it deepens and enriches the meaning of the preceding three albums. Christy, take off your robe. Listen to the brilliant ensemble playing of Banks, Collins and Rutherford. You can practically hear every nuance of every instrument. Sabrina, remove your dress. In terms of lyrical craftsmanship, the sheer songwriting, this album hits a new peak of professionalism. Sabrina, why don't you, uh, dance a little. Take the lyrics to Land of Confusion. In this song, Phil Collins addresses the problems of abusive political authority. In Too Deep is the most moving pop song of the 1980s, about monogamy and commitment. The song is extremely uplifting. Their lyrics are as positive and affirmative as anything I've heard in rock. Christy, get down on your knees so Sabrina can see your asshole. Phil Collins' solo career seems to be more commercial and therefore more satisfying, in a narrower way. Especially songs like In the Air Tonight and Against All Odds. Sabrina, don't just stare at it, eat it. But I also think Phil Collins works best within the confines of the group, than as a solo artist, and I stress the word artist. This is Sussudio, a great, great song, a personal favorite.

For Cam grazed the easel by an inch; she would not stop for Mr. Bankes and Lily Briscoe; though Mr. Bankes, who would have liked a daughter of his own, held out his hand; she would not stop for her father, whom she grazed also by an inch; nor for her mother, who called "Cam! I want you a moment!" as she dashed past. She was off like a bird, bullet, or arrow, impelled by what desire, shot by whom, at what directed, who could say? What, what? Mrs. Ramsay pondered, watching her. It might be a vision--of a shell, of a wheelbarrow, of a fairy kingdom on the far side of the hedge; or it might be the glory of speed; no one knew. But when Mrs. Ramsay called "Cam!" a second time, the projectile dropped in mid career, and Cam came lagging back, pulling a leaf by the way, to her mother.

by blitzing students with information and making the application process as simple as dropping a résumé into a box, by following up relentlessly and promising to inform applicants about job offers in the fall of their senior year—months before firms in most other industries—Wall Street banks had made themselves the obvious destinations for students at top-tier colleges who are confused about their careers, don’t want to lock themselves in to a narrow preprofessional track by going to law or medical school, and are looking to put off the big decisions for two years while they figure things out. Banks, in other words, have become extremely skilled at appealing to the anxieties of overachieving young people and inserting themselves as the solution to those worries. And the irony is that although we think of Wall Street as a risk-loving business, the recruiting process often appeals most to the terrified and insecure.

Ludendorff was arrested on the spot. He was contemptuous of the rebels who had not had the courage to march on with him, and so bitter against the Army for not coming over to his side that he declared hence forth he would not recognize a German officer nor ever again wear an officer’s uniform. The wounded Goering was given first aid by the Jewish proprietor of a nearby bank into which he had been carried and then smuggled across the frontier into Austria by his wife and taken to a hospital in Innsbruck. Hess also fled to Austria. Roehm surrendered at the War Ministry two hours after the collapse before the Feldherrnhalle. Within a few days all the rebel leaders except Goering and Hess were rounded up and jailed. The Nazi putsch had ended in a fiasco. The party was dissolved. National Socialism, to all appearances, was dead. Its dictatorial leader, who had run away at the first hail of bullets, seemed utterly discredited, his meteoric political career at an end.

It had been hard enough to drive past the area. It was harder to imagine what it was like living there. Yet people lived with the stench and the terrible air, and had careers there. Even lawyers lived there, I was told. Was the smell of excrement only on the periphery, from the iridescent black lake? No; that stench went right through Dharavi. Even more astonishing was to read in a Bombay magazine an article about Papu's suburb of Sion, in which the slum of Dharavi was written about almost as a bohemian feature of the place, something that added spice to humdrum middle-class life. Bombay clearly innoculated its residents in some way. I had another glimpse of Dharavi some time later, when I was going in a taxi to the domestic airport at Santa Cruz. The taxi-driver - a Muslim from Hyderabad, full of self-respect, nervous about living in Bombay, fearful of sinking, planning to go back home soon, and in the meantime nervously particular about his car and his clothes - the taxi-driver showed the apartment blocks on one side of the airport road where hutment dwellers had been rehoused. In the other direction he showed the marsh on which Dharavi had grown and, away in the distance, the low black line of the famous slum. Seen from here, Dharavi looked artificial, unnecessary even in Bombay: allowed to exist because, as people said, it was a vote-bank, and hate-bank, something to be drawn upon by many people. All the conflicting currents of Bombay flowed there as well; all the new particularities were heightened there. And yet people lived there, subject to this extra exploitation, because in Bombay, once you had a place to stay, you could make money.

On August 21, 1931, invited to address an American Legion convention in Connecticut, he made the first no-holds-barred antiwar speech of his career. It stunned all who heard it or read it in the few papers that dared report it in part: I spent 33 years . . . being a high-class muscle man for Big Business, for Wall Street and the bankers. In short, I was a racketeer for capitalism. . . . I helped purify Nicaragua for the international banking house of Brown Brothers in 1909-1912. I helped make Mexico and especially Tampico safe for American oil interests in 1916. I brought light to the Dominican Republic for American sugar interests in 1916. I helped make Haiti and Cuba a decent place for the National City [Bank] boys to collect revenue in. I helped in the rape of half a dozen Central American republics for the benefit of Wall Street. . . . In China in 1927 I helped see to it that Standard Oil went its way unmolested. . . . I had . . . a swell racket. I was rewarded with honors, medals, promotions. . . . I might have given Al Capone a few hints. The best he could do was to operate a racket in three cities. The Marines operated on three continents. . . . We don’t want any more wars, but a man is a damn fool to think there won’t be any more of them. I am a peace-loving Quaker, but when war breaks out every damn man in my family goes. If we’re ready, nobody will tackle us. Give us a club and we will face them all. . . . There is no use talking about abolishing war; that’s damn foolishness. Take the guns away from men and they will fight just the same. . . . In the Spanish-American War we didn’t have any bullets to shoot, and if we had not had a war with a nation that was already licked and looking for an excuse to quit, we would have had hell licked out of us. . . . No pacifists or Communists are going to govern this country. If they try it there will be seven million men like you rise up and strangle them. Pacifists? Hell, I’m a pacifist, but I always have a club behind my back!

And I promise you, when it’s right, you won’t ever want to lose her. Not for an hour. Not for a second. Not for a nanosecond. Because it’s the people we make our lives with that make our lives. Not our careers or titles or bank accounts. I have nothing without her, even though from the outside it looked like I had everything. I am nothing without her. An empty shell of a man with a stupid crown and some shockingly big crown jewels. But because of her, I have everything. I have two children who will have their dad wrapped around their little, tiny pinky fingers forever, I have someone to share my life with, someone to laugh with and fight with, someone to make up with, and someone to love. And the very best thing in the world is if you love someone intensely and wildly and unconditionally, and she loves you right back.

I’m excited to announce that Book 2 of our series, My Job: More People at Work Around the World, is in production. Having met hundreds of people in fascinating jobs, I faced an enormous challenge in selecting the stories to include in Book 2 . . . but I believe this collection will surprise and delight you. It covers a range of jobs in the following sections: Health and Recovery Education and Finance Agribusiness and Food Processing Arts and Culture Activism and Diplomacy The book allows you to experience what it’s like to be an addiction-recovery counselor trained as a clown in London, an art teacher working with gang members in Chicago, a midwife working in rural villages in Guatemala, or a mobile-banking agent making her first million in Zambia. Book 2 will take you places you’ve never been, from the Appalachian Mountains of West Virginia to a serene beach in Tel Aviv, Israel, and take you deep into the true stories of what it’s like to work at jobs as disparate as teaching a grieving widow to dance, to negotiating with a terrorist. The book will publish in March and is available for preorder at Amazon.

But every step of my writing career was a brutal fight, like the stealing of that oatmeal from hungry children.” Even the waiters stopped removing plates and stood with the trays in their hands, listening openmouthed. One confession led to another. “When I banked the money the movies paid me for Hungry Hearts, the elation of suddenly possessing a fortune was overshadowed by the voice of conscience: What is the difference between a potbellied boss who exploits the labor of helpless workers and an author who grows rich writing of the poor?

Because it’s the people we make our lives with that make our lives. Not our careers or titles or bank accounts.

Biggest books of Spring, See the list, by Goodreads. Yes, one way street. With friends, followers and connections. Yes. Promotion and career. Don't forget to open a new bank account.

Adult Warning Signs Lack of peer relationships outside the family Feelings of guilt or shame Difficulty with social skills such as keeping a conversation going Difficulty with intimacy in relationships Sense of being different, alienated from others Drug or alcohol dependency Feelings of loneliness Depression Suicidal thoughts Quick temper Difficulty making or keeping friends Devastated reaction to rejection Fear of humiliation A sense of reality as black or white Distorted body image Anxiety attacks, especially in social situations Difficulty making decisions Anxiety reactions in restaurants, banks, movies Persistent difficulty with job, career Sexual-identity problems Physical complaints/hypochondria Self-destructive behavior Stress-related physical symptoms Fear of groups

The reasons for weaponizing division are not mysterious. Racial fear prevents Americans from building community with one another and community is the lifeblood of a functioning democratic society. Throughout our history, racist language has been used to turn American against American in order to benefit the wealthy elite. Every time Mr. Trump attacks refugees is a time that could be spent discussing the president's unwillingness to raise the federal minimum wage for up to 33 million Americans. Every racist attack on four members of Congress is a moment he doesn't have to address why his choice for labor secretary has spent his career defending Wall Street banks and Walmart at the expense of workers. When he is launching attacks on the free press, he isn't talking about why his Environmental Protection Agency just refused to ban a pesticide linked to brain damage in children. (7/25/2019 in the New York Times)

The hazard of metrics so purely focused on monetary return on investment is that like so many metrics, they influence behavior. Already, universities at the very top of the rankings send a huge portion of their graduates into investment banking, consulting, and high-end law firms—all highly lucrative pursuits.48 These are honorable professions, but is it really in the best interests of the nation to encourage the best and the brightest to choose these careers?

While the case for long-term investment has tended to centre around simple mathematical advantages such as reduced (frictional) costs and fewer decisions leading (hopefully) to fewer mistakes, the real advantage to this approach, in our opinion, comes from asking more valuable questions. The short-term investor asks questions in the hope of gleaning clues to near-term outcomes: relating typically to operating margins, earnings per share and revenue trends over the next quarter, for example. Such information is relevant for the briefest period and only has value if it is correct, incremental, and overwhelms other pieces of information. Even when accurate, the value of the information is likely to be modest, say, a few percentage points in performance. In order to build a viable, economically important track record, the short-term investor may need to perform this trick many thousands of times in a career and/ or employ large amounts of financial leverage to exploit marginal opportunities. And let’s face it, the competition for such investment snippets is ferocious. This competition is fed by the investment banks. Wall Street relies heavily on promoting client myopia to earn its crust. Why

To counter apathy, most change agents focus on presenting an inspiring vision of the future. This is an important message to convey, but it’s not the type of communication that should come first. If you want people to take risks, you need first to show what’s wrong with the present. To drive people out of their comfort zones, you have to cultivate dissatisfaction, frustration, or anger at the current state of affairs, making it a guaranteed loss. “The greatest communicators of all time,” says communication expert Nancy Duarte—who has spent her career studying the shape of superb presentations—start by establishing “what is: here’s the status quo.” Then, they “compare that to what could be,” making “that gap as big as possible.” We can see this sequence in two of the most revered speeches in American history. In his famous inaugural address, President Franklin D. Roosevelt opened by acknowledging the current state of affairs. Promising to “speak the whole truth, frankly and boldly,” he described the dire straits of the Great Depression, only then turning to what could be, unveiling his hope of creating new jobs and forecasting, “This great nation . . . will revive and will prosper. . . . The only thing we have to fear is fear itself.” When we recall Martin Luther King, Jr.’s, epic speech, what stands out is a shining image of a brighter future. Yet in his 16-minute oration, it wasn’t until the eleventh minute that he first mentioned his dream. Before delivering hope for change, King stressed the unacceptable conditions of the status quo. In his introduction, he pronounced that, despite the promise of the Emancipation Proclamation, “one hundred years later, the life of the Negro is still sadly crippled by the manacles of segregation and the chains of discrimination.” Having established urgency through depicting the suffering that was, King turned to what could be: “But we refuse to believe that the bank of justice is bankrupt.” He devoted more than two thirds of the speech to these one-two punches, alternating between what was and what could be by expressing indignation at the present and hope about the future. According to sociologist Patricia Wasielewski, “King articulates the crowd’s feelings of anger at existing inequities,” strengthening their “resolve that the situation must be changed.” The audience was only prepared to be moved by his dream of tomorrow after he had exposed the nightmare of today.

Writing is an expression of creativity, sir. I want to be independent—a woman who writes her own destiny. I don’t think that is possible without the confidence that a successful career will give you.’ All along Aditya was nodding his head. ‘And I am not sure if one can bank on writing for survival. In India at least, I have heard that one cannot make a living off writing alone,’ Shreya finished.

What does tenure do? It distorts people’s effort so that they face strong incentives early in their career (and presumably work very hard early on as a consequence) and very weak incentives forever after (and presumably work much less hard on average as a consequence).

In 1972, my idol Gordon Banks was seriously injured in a car accident and lost an eye. He was still England goalkeeper and the world’s Number One. I was absolutely gutted for Banksie. His career was over prematurely. He did make a comeback in America for a time, but he said he felt like people were coming to watch a bit of a circus act: ‘Roll up, roll up! The world’s only one-eyed goalkeeper.’ And so he retired from football for good. When he lost his eye, I wanted to give him one of mine, that’s how much I thought of him.

(The term “sheep-dipped” appears in The New York Times version of the Pentagon Papers without clarification. It is an intricate Army-devised process by which a man who is in the service as a full career soldier or officer agrees to go through all the legal and official motions of resigning from the service. Then, rather than actually being released, his records are pulled from the Army personnel files and transferred to a special Army intelligence file. Substitute but nonetheless real-appearing records are then processed, and the man “leaves” the service. He is encouraged to write to friends and give a cover reason why he got out. He goes to his bank and charge card services and changes his status to civilian, and does the hundreds of other official and personal things that any man would do if he really had gotten out of the service. Meanwhile, his real Army records are kept in secrecy, but not forgotten. If his contemporaries get promoted, he gets promoted. All of the things that can be done for his hidden records to keep him even with his peers are done. Some very real problems arise in the event he gets killed or captured as a prisoner. There are problems with insurance and with benefits his wife would receive had he remained in the service. At this point, sheep-dipping gets really complicated, and each case is handled quite separately.)

Get into Investment Banking

And that woman was going to marry Matthew! Matthew, who had been banking on her working in human resources, with a nice salary to complement his own, who sulked and bitched about her long, unpredictable hours and her lousy paycheck . . . couldn't she see what a stupid bloody thing she was doing? Why the fuck had she put that ring back on? Hadn't she tasted freedom on that drive up to Barrow, which Strike looked back on with a fondness that discomposed him? She's making a fucking huge mistake, that's all.

One Stanford op-ed in particular was picked up by the national press and inspired a website, Stop the Brain Drain, which protested the flow of talent to Wall Street. The Stanford students wrote, The financial industry’s influence over higher education is deep and multifaceted, including student choice over majors and career tracks, career development resources, faculty and course offerings, and student culture and political activism. In 2010, even after the economic crisis, the financial services industry drew a full 20 percent of Harvard graduates and over 15 percent of Stanford and MIT graduates. This represented the highest portion of any industry except consulting, and about three times more than previous generations. As the financial industry’s profits have increasingly come from complex financial products, like the collateralized debt obligations (CDOs) that ignited the 2008 financial meltdown, its demand has steadily grown for graduates with technical degrees. In 2006, the securities and commodity exchange sector employed a larger portion of scientists and engineers than semiconductor manufacturing, pharmaceuticals and telecommunications. The result has been a major reallocation of top talent into financial sector jobs, many of which are “socially useless,” as the chairman of the United Kingdom’s Financial Services Authority put it. This over-allocation reduces the supply of productive entrepreneurs and researchers and damages entrepreneurial capitalism, according to a recent Kauffman Foundation report. Many of these finance jobs contribute to volatile and counter-productive financial speculation. Indeed, Wall Street’s activities are largely dominated by speculative security trading and arbitrage instead of investment in new businesses. In 2010, 63 percent of Goldman Sachs’ revenue came from trading, compared to only 13 percent from corporate finance. Why are graduates flocking to Wall Street? Beyond the simple allure of high salaries, investment banks and hedge funds have designed an aggressive, sophisticated, and well-funded recruitment system, which often takes advantage of [a] student’s job insecurity. Moreover, elite university culture somehow still upholds finance as a “prestigious” and “savvy” career track.6

The reason is clear from the market share numbers. In the 1999 Euromoney poll, almost 48 per cent of market share was held by banks outside the top ten; by the 2006 poll, that number had halved to about 24 per cent. These banks did not have a business large enough to justify spending the money needed to automate. In fact, the collective market share decline of smaller banks masked a shift in behaviour that was even worse news for the career prospects of the traders who worked in them. Increasingly, FX giants like Deutsche would give these banks access to systems like Autobahn or the equivalent. Their salespeople would simply quote the Deutsche Bank (or Citibank, UBS or Barclays) rate to their customers with a small spread to offset the credit risk. No need for expensive traders. In effect, the smaller banks had shifted from ‘manufacturing’ FX rates to being distributors to clients with whom they had a strong relationship based on regional expertise or history. ‘You guys just sucked us dry,’ complained an old friend and adversary at the time – he was in his late thirties, from a smaller bank, and we were at his ‘leaving-the-industry’ drinks. ‘But,’ he added resignedly, with a slightly drunken grin, ‘I guess that’s just that old whore Capitalism for you.’ He became a maths teacher.

When I first started working for Larry Summers, then chief economist at the World Bank, he was married to a tax attorney, Vicki. He was very supportive of Vicki’s career and used to urge her to “bill like a boy.” His view was that the men considered any time they spent thinking about an issue—even time in the shower—as billable hours. His wife and her female colleagues, however, would decide that they were not at their best on a given day and discount hours they spent at their desks to be fair to the client. Which lawyers were more valuable to that firm? To make his point, Larry told them the story of a renowned Harvard Law School professor who was asked by a judge to itemize a bill. The professor responded that he could not because he was so often thinking about two things at once.

I thought living in London, my favorite city, would be wonderful, but I worried about the impact the move would have on my career. I discussed my options with Bill Setterstrom of the bank’s personnel department. Bill had been in the navy and viewed family separations as fairly normal. At first, he suggested that I stay at my job in New York. I pointed out that Pat was not being assigned to a battleship at sea where I could not follow. “In fact,” I said, “this is London, Bill, and I want to go!” In the end, he offered me six months’ leave of absence “to enjoy your new baby and living in London.

It seems a lost opportunity that Capra didn’t give George Bailey, or the Giannini-inspired idealistic bank president in his film American Madness, an Italian surname. The next time a great Italian-American filmmaker, one who established his career in San Francisco, would portray a member of the community, the character would be the fictional antihero Vito Corleone, whose name would penetrate the nation’s collective memory far deeper than that of A. P. Giannini.

Your expenses grow to match your income. As the decades pass and you realize that no, you’re not going to save the world, the money becomes a more and more important part of the justification. And when you have kids, you’re stuck; it’s much easier to deprive yourself of money (and what it buys) than to deprive your children of money. More important, you internalize the rationalizations for the work you are doing. It’s easier to think that underwriting new debt offerings really is saving the world than to think that you are underwriting new debt offerings, because of the money, instead of saving the world. And this goes for many walks of life. It’s easier for college professors to think that, by training the next generation of young minds (or, even more improbably, writing papers on esoteric subjects), they are changing the world than to think that they are teaching and researching instead of changing the world. Sure, there are self-parodying, economically delusional, psychotherapy-needing, despicable people on Wall Street . . . but there are also a lot of people who went there because it was easy and stayed because they decided they couldn’t afford not to and talked themselves into it. A college student asked me at a book talk what I thought about undergraduates who go work on Wall Street. And individually, I have nothing against them, although I do think they should do their best to keep their expenses down so they will be able to switch careers later. But as a system, it’s a bad thing that a small handful of highly profitable firms are able to invest those profits into skimming off some of the top students at American universities—universities that, even if nominally private, are partially funded by taxpayer money in the form of research grants and federal subsidies for student loans—and absorbing them into the banking-consulting-lawyering Borg.7

The thought of resurrecting the bones of my long deceased banking career was frankly terrifying.

Vikas Nath is currently Director at Termdeal Limited which owns and runs restaurants across UK and Europe, notably Benares Restaurant & Bar in London - a Michelin-starred Indian restaurant. Prior to investing and operating hospitality businesses, Vikas Nath had a career in finance spanning 25 years across companies such as UBS, Credit Suisse, Deutsche Bank and HSBC.

Students who don’t learn best by sitting still at a desk are made to feel somehow inferior, while children who excel on conventional measures like tests and assignments end up defining their identities in terms of this weirdly contrived academic parallel reality. And it gets worse as students ascend to higher levels of the tournament. Elite students climb confidently until they reach a level of competition sufficiently intense to beat their dreams out of them. Higher education is the place where people who had big plans in high school get stuck in fierce rivalries with equally smart peers over conventional careers like management consulting and investment banking.

Higher education is the place where people who had big plans in high school get stuck in fierce rivalries with equally smart peers over conventional careers like management consulting and investment banking.

I went to see the house. (...) The place was a squat—thirty-five heroin addicts were living there. The chaos was palpable. It smelled like dog shit, cat shit, piss. (...) One floor was literally burned—it was nothing but charred floorboards with a toilet sitting in the middle. This place looked terrible. “How much?” I asked. Forty thousand guilder, they told me. They clearly just wanted to dump this house. But if you bought it, you were also getting the heroin addicts who were squatting in it, and under Dutch law, it was all but impossible to get them out. For any normal human being to buy this place would be like throwing money out the window. So I said, “Okay, I’m interested.” I talked about it with my friends. “You’re nuts,” they said. “It’s not money you have—what the hell are you going to do?” ...A drug dealer [had] bought the place. But he didn’t pay the mortgage. And he didn’t pay and he didn’t pay, and finally he was in such financial trouble that he decided to burn the place down for the insurance. Except that the fire was stopped in time and only the one floor was damaged. And then the insurance investigator found that the drug dealer had done it intentionally, and the bank took the house away from him. And this was how it turned into a squat for heroin addicts. “But where is this guy?” I asked. “He’s still living in the house,” the neighbor told me. This house had two entrances. One went to the first floor and the other to the second. The door with the board across it was the entrance to the first floor, where I’d already been; the drug dealer was living on the second floor. So I went around and knocked on the door, and he answered. “I want to talk to you,” I said. He let me in. There was a table in the middle of the floor, covered with ecstasy, cocaine, hashish, all ready to go into bags. There was a pistol on the table. This guy was bloated—he looked like hell. And suddenly I poured my heart out to him. I told him everything... I said that this house was what I wanted—all I wanted—the only home I could afford with the little money I had. I was weeping. This guy was standing there with his mouth open. He stood there looking at me. Then he said, “Okay. But I have a condition.” “This is my deal. I’ll get everybody out; you’ll get your mortgage. But the moment you sign the contract and get the house, you’re going to sign a contract that I can stay on this floor for the rest of my life. That’s the deal. If you cross me...” He showed me the pistol. It was in a good neighborhood, where a comparable place would sell for forty to fifty times the price. And [now] it was empty—not a heroin addict in sight. I got a mortgage in less than a week. But now, since my bank knew the house was empty, Dutch law gave them the right to buy the house for themselves. So I went back to the drug dealer and said, “Can we get some addicts back into the place? Because it’s too good now.” “How many you want?” he asked. “About twelve,” I said. “No problem,” he said. He got twelve addicts back. I took curtains I found in a dumpster and put them on the windows. Then I scattered some more debris around the place. Now all I had to do was wait. My contract signing was two weeks away—it was the longest two weeks in my life. Finally the day came... and I walked into the bank. The atmosphere was very serious. One of the bankers looked at me and said, “I heard that the unwanted tenants have left the house.” I just looked at him very coolly and said, “Yeah, some left.” He cleared his throat and said, “Sign here.” I signed. “Congratulations,” the banker said. “You’re the owner of the house.” I looked at him and said, “You know what? Actually everybody left the house.” He looked back at me and said, “My dear girl, if this is true, you have just made the best real-estate deal I’ve heard of in my twenty-five-year career.

That flexibility and control over your time is an unseen return on wealth. What is the return on cash in the bank that gives you the option of changing careers, or retiring early, or freedom from worry? I’d say it’s incalculable.

we need simply look at how capitalism changed after the idea of shareholder supremacy took over—which only happened in the final decades of the twentieth century. Prior to the introduction of the shareholder primacy theory, the way business operated in the United States looked quite different. “By the middle of the 20th century,” said Cornell corporate law professor Lynn Stout in the documentary series Explained, “the American public corporation was proving itself one of the most effective and powerful and beneficial organizations in the world.” Companies of that era allowed for average Americans, not just the wealthiest, to share in the investment opportunities and enjoy good returns. Most important, “executives and directors viewed themselves as stewards or trustees of great public institutions that were supposed to serve not just the shareholders, but also bondholders, suppliers, employees and the community.” It was only after Friedman’s 1970 article that executives and directors started to see themselves as responsible to their “owners,” the shareholders, and not stewards of something bigger. The more that idea took hold in the 1980s and ’90s, the more incentive structures inside public companies and banks themselves became excessively focused on shorter-and-shorter-term gains to the benefit of fewer and fewer people. It’s during this time that the annual round of mass layoffs to meet arbitrary projections became an accepted and common strategy for the first time. Prior to the 1980s, such a practice simply didn’t exist. It was common for people to work a practical lifetime for one company. The company took care of them and they took care of the company. Trust, pride and loyalty flowed in both directions. And at the end of their careers these long-time employees would get their proverbial gold watch. I don’t think getting a gold watch is even a thing anymore. These days, we either leave or are asked to leave long before we would ever earn one.

I love to flyfish. Over the last 30 years, I’ve found that if I want to get into a “zen” state just put me on a stream for a day and before I know it the day has gone blissfully by. If I am fishing by myself, I’ve gotten into the habit of spending 15 minutes watching the stream before making my first cast. I’m sure if a passerby would observe me during these first 15 minutes, I would look like just another guy staring at a stream. But these 15 minutes are the most critical part of my day. These first 15 minutes have more to say about my success than the most perfectly executed cast all day long. I watch the water for how it flows. I look for seams of fast- and slow-moving water knowing that fish lay in the slow-moving water to save energy while waiting for food in the faster water. I watch for any movement on top of the water to see if there are any insects hatching that might signal a particular food supply for that stream. One way to know an experienced fly fisher from a beginner is the experienced fly fisher only decides what fly to use after watching the water for a while. I watch for underwater flashes of color that might reveal an actively feeding fish on the stream bottom. I review the streambed and determine the best place to start without increasing the chances of spooking any fish. Lastly, I take in the environment around me and make note of obstacles I need to be careful to avoid: a tree branch in my back cast, a logjam that creates faster moving water, or a steep bank indicating deeper water. I take note of the weather and where my shadow is and where it will be as I enter the water. I even think about how I might land a fish if I hook one, and where it would be easiest to net them. Every detail counts and most of what is important is determined in those first 15 minutes. Listening is a lot like those first 15 minutes of fishing. You are taking in information. You are sensing what is going on around you. You are actively observing everything there is to be observed. You are focused and intentional. You are not only hearing and seeing and feeling, but you are understanding and extending this understanding to make a difference in your life when the time does come to act.

Life should be full of career changes. Forever and ever. I feel for young people today saying I don’t know what I really want to do … you don’t have to, life’s a surprise, go with the flow and the feelings of the day.

Savings without a spending goal gives you options and flexibility, the ability to wait and the opportunity to pounce. It gives you time to think. It lets you change course on your own terms. Every bit of savings is like taking a point in the future that would have been owned by someone else and giving it back to yourself. That flexibility and control over your time is an unseen return on wealth. What is the return on cash in the bank that gives you the option of changing careers, or retiring early, or freedom from worry? I’d say it’s incalculable.

A moment passed in silence. Then Gabriel asked, “What are you thinking now, Eli?” “I’m wondering why a beautiful young woman like that would risk her career to give a Russian journalist confidential financial documents about an important client.” “Perhaps she has a conscience.” “Not possible. RhineBank doesn’t hire anyone whose conscience wasn’t removed at birth.

Most of my career has been spent selling “plans of action and programmes of collaboration,” whether to Rexall to start up Pronto Markets; or Bank of America to buy out Pronto; or landlords; or vendors, many of whom have been very skeptical of, if not outright hostile to, my plans; and above all to my employees. If you want to know what differentiates me from most managers, that’s it. From the beginning, thanks to Ortega y Gasset, I’ve been aware of the need to sell everybody.

Woodism - “We are all people of value, no matter our titles, roles, positions, or bank accounts. Value yourself more than any opportunity or asshole.

white-hot tailflame blazing from its base like a magnesium flare, leaving an impossibly long smoketrail in its wake. The smoketrail extended, snakelike, a God-sized python, over the distant horizon, streaking away toward the missile’s source, Yemen. And the sound it made. A single, continuous BOOOOOOOOOOOOOM! If Schofield’s X-15 was ripping the fabric of the sky, then this baby was shredding it to pieces. The banking X-15 roared round in a giant semi-circle, careering in

Sometimes our new mindset doesn't align with our old lives. We've spent our whole lives conquering the wrong mountain and now we are so afraid to leave the top. Though our new mindset would no longer allow us to be happy on this mountain, we are still hesitant. We were taught our whole life that life is one mountain. One career path, one relationship, one purpose, and one box. We are so scared to be at the foot of the right mountain. So used to being Kings and Queens that we are scared to get back to the foundation of the pyramid; a place where if you tell your new peers about your past while going through your new mountain's challenges, they won't believe. Most of the time we aren't happy because we're trading social acceptance for peace. How ignorant are we to think that life is just one mountain? God may bless us with 70 years to be productive, but we want to lay down in 5. Don't be scared to be at the foot of another mountain; because when you stop growing you die.

Success isn't defined by a luxurious career or a large bank balance. It's defined by what you bring to the table. A man working as a cleaner putting food on the table and a roof over his family's head is just as successful as a man working in management providing for himself. Your a successful person as long as you DO SOMETHING.

While I’ve worked in numerous banks over my career, I’ve realised that the only one that will never go out of demand is the bank of Mum and Dad.

successful athletes slipping seamlessly into careers in banking and finance owing to their grit and work ethic leaves countless former athletes adrift. After knowing no other life for years, many of the riders I know and respected – cyclists far better than me, with Olympic medals and World Championship titles to their name – have struggled to adjust to life after retiring, ending up homeless, sleeping in their cars, or with depression so severe they take their own lives. The work ethic and ability to endure on the bike rarely map as easily onto other pursuits as young athletes are made to believe, and often the demons that you were trying to exorcise through the sport catch up with you after you’re no longer racing.

It’s experience that has value, not possessions. We desire possessions because we think they’ll make us happier, but extensive research shows that once our basic survival needs are met, increased possessions don’t boost happiness levels. Meditation gives us the option of going straight to happiness and skipping the intermediate step of possessions. Acquiring them takes a lot of work and time, and all that effort can take us out of flow. We can spend a 40-year career amassing the possessions and money that we believe will give us happiness in retirement. Skipping the amassing stage and going straight to bliss gives us the end goal at the beginning. We win the gold medal before the contest even begins. Play doesn’t happen in an imaginary future in which our lives are perfect. Play happens now. We can become billionaires of happy experiences, the bank vaults of our minds overflowing with joy. That’s the only currency that counts. We’ve then acquired the end state without going through the intermediate state of getting stuff. We’ve loaded the dice, so that any and every roll produces bliss.

It’s experience that has value, not possessions. We desire possessions because we think they’ll make us happier, but extensive research shows that once our basic survival needs are met, increased possessions don’t boost happiness levels. Meditation gives us the option of going straight to happiness and skipping the intermediate step of possessions. Acquiring them takes a lot of work and time, and all that effort can take us out of flow. We can spend a 40-year career amassing the possessions and money that we believe will give us happiness in retirement. Skipping the amassing stage and going straight to bliss gives us the end goal at the beginning. We win the gold medal before the contest even begins. Play doesn’t happen in an imaginary future in which our lives are perfect. Play happens now. We can become billionaires of happy experiences, the bank vaults of our minds overflowing with joy. That’s the only currency that counts. We’ve then acquired the end state without going through the intermediate state of getting stuff. We’ve loaded the dice, so that any and every roll produces bliss. Why not live like that every day? DEEPENING PRACTICES Here are practices you can do this week to integrate the information in this chapter into your life: Releasing the Suffering Self: That’s the theme of this chapter’s companion meditation. Use the link below to listen to this free 15-minute meditation each morning. Play the “Name Your Demon” Game: Give the selfing part of yourself a funny personal name, or ask it what its name is and write down the answer. One woman christened hers “Sticky.” Another, “Yuggo.” This exercise separates you from identification with the demon, and reminds you that you’re in control. Make the Subject-Object Shift: Whenever you find your mind wandering during meditation, simply thank your DMN by name (e.g., “Thanks, Yuggo!”) and then move your attention back to Focus. Mindfulness App: As a way of becoming mindful, enroll in the Harvard wandering mind study by using the link below to download the smartphone app. Time in Nature: Spend time in nature at least three times this week. Write those times in your calendar now, and treat them as seriously as you’d treat a doctor’s appointment. This exercise in self-care is a way of centering your mind and nurturing yourself. Journaling: In your new personal journal, write down the insights you have this week. Notice the way your mind works in meditation, and describe it in your journal. Just a few words are enough, like, “Had a hard time getting to a good place this morning. Lots of mind wandering, but I settled down in 15 minutes.

Regardless of the details of your story, your time bank is growing smaller every day. You are the manufacturer! You have the power to set the tone and control the factory floor.

[fictional speech] As a woman. And as a woman in psychology, I’m expected to absorb the problems of the world. My super power is taking the world’s negative energy and giving that energy back to the world in a new positive form. With great power comes great responsibility. With great responsibility comes a strict commitment. So I’ve committed every day to keeping the world calm. I wake up and pour into the world. Wake up pour into the world. Wake up again and pour into the world. A process I love, but then I come back with an empty cup. So I have to refill, and repeat again. Super woman! We are super women in psychology. But what happens when the world has drained out all of our power? How do we recharge? We know how to pour into the world, but have we forgotten about ourselves? Are we allowed to put our pitcher down and pull out our glass? Are we allowed to be selfish? I want to challenge what we think about the word selfish. I want to change the way that we think about caring for self. As we know it today, the word selfish means being devoted to or caring only for oneself. In other words committed to self care. So if the definition only means this, where did the word go wrong? Being selfless, self....less, is defined alongside words like noble, charitable, and generous; while self interest is looked down upon. We can be self interested without the expense of hurting others. If indeed we change the world by changing ourselves then it is productive to the world to be selfish. If we are constantly meeting the demands of the world, are we satisfying ourselves? I agree that as a society it is more beneficial for the majority for everyone to work together, but the world also works on balance. I want everyone to go out into the world and uplift it, but I also want everyone to put that same amount of energy into themselves. Our place that we call home should be a place where we can be selfish. A place that we can have full peace and not worry about the politics of the world. A place that we are held to our own standard and not the standard that the world sets for us. [time passes] Ladies, you are beautiful. You are strong. You are intelligent; and you are committed. You are the foundation of the world and everything enters through you. You are the nurturers. You are the healers. You are the teachers. Your job is much more greater than your career in psychology. You are magic. While letting the world borrow some of your magic, don’t forget about healing, nurturing, teaching, and providing for yourselves. Thank you.

What is the return on cash in the bank that gives you the option of changing careers, or retiring early, or freedom from worry? I’d say it’s incalculable.

If a market leader like Adobe gets complacent one year, it will still count billions of dollars in the bank, but if a startup gets complacent, it’s game over.

Life’s too short to wallow in the weeds! There are thousands of stocks to choose from. Some investors do build a career around digging into the minutiae in the footnotes. For banking and insurance analysts, it’s mandatory. But as a portfolio manager who didn’t own Enron stock, I didn’t need it. Disclosure is a wonderful thing, but I’ve never had good luck with complex corporate structures that require massive information statements. Not infrequently, companies with complex corporate structures or opaque disclosures are trying to hide something.

His other business experiences include twenty-five years of service as Director of the Bank of Highwood in Highwood, Illinois, and twelve years as Director of the new Century Bank in Mundelein, Illinois. He is a past member of the Executive Committee of the Publishing Hall of Fame and has maintained active interest in real estate in Illinois, California, and Texas. Since 1989 he has served as Trustee of Eisenhower Medical Center in Rancho Mirage, California, and is a member of the Eisenhower Executive Committee.

When he puts it like this, it sounds surprisingly sensible. Danes have a collective sense of responsibility – of belonging, even. They pay into the system because they believe it to be worthwhile. The insanely high taxation also has some happy side effects. It means that Denmark has the lowest income inequality among all the OECD countries, so the difference in take-home wages between, for instance, Lego’s CEO and its lowliest cleaner, isn’t as vast as it might be elsewhere. Studies show that people who live in neighbourhoods where most people earn about the same amount are happier, according to research from San Francisco State University and the University of California Berkeley. In Denmark, even people working in wildly different fields will probably have a similar amount left in the bank each month after tax. I’m interested in the idea that income equality makes for better neighbours and want to put it to the test. But since I live in what is essentially a retirement village, where no one apart from Friendly Neighbour works, there isn’t much of an opportunity in Sticksville. So I ask Helena C about hers. She tells me that the street she lives in is populated by shop assistants, supermarket workers, accountants, lawyers, marketers and a landscape gardener. ‘Everyone has a nice home and a good quality of life,’ she says, ‘it doesn’t matter so much what you do for work here.’ Regardless of their various careers and the earning potential that this might afford them in other countries with lower taxes, professionals and non-professionals live harmoniously side by side in Denmark. This also makes social mobility easier, according to studies from The Equality Trust on the impact of income equality. So you’re more likely to be able to get on in life, get educated and get a good job, regardless of who your parents are and what they do in Denmark than anywhere else. It turns out that it’s easier to live ‘The American Dream’ here than it’s ever likely to be in the US.

In the meantime, the Germans established numerous bridgeheads on the south bank of the Somme, to be used when the southward advance began. Panzers invested Boulogne on May 22nd, and on May 23rd, the British evacuated their troops at midnight. The French garrison surrendered at noon two days later on May 25th, recognizing their utterly hopeless position. The British government ordered an evacuation of Dunkirk on May 26th, but the British Expeditionary Force (BEF) and the French forces accompanying them could not escape that easily, however. Near catastrophe struck on May 28th when the Belgians surrendered to Germany, opening a colossal gap in the Allied lines. King Leopold III, showing consistency of character at least if not moral courage, informed the British and French of his planned capitulation only hours prior to the actual surrender, leaving them with practically no time to prepare for its disastrous military consequences. The action earned Leopold III such sobriquets as “King Rat” and “the Traitor King,” nicknames he did little to disprove when he evinced more willingness to negotiate with Hitler for restoration of Belgian independence than he had shown in dealing with France and Britain, which sought to defend Belgium's freedom in the first place. British Prime Minister Sir Winston Churchill blasted the Belgian monarch's abrupt surrender in a detailed speech summarizing the repercussions: “The surrender of the Belgian Army compelled the British at the shortest notice to cover a flank to the sea more than 30 miles in length. Otherwise all would have been cut off, and all would have shared the fate to which King Leopold had condemned the finest army his country had ever formed. So in doing this and in exposing this flank, as anyone who followed the operations on the map will see, contact was lost between the British and two out of the three corps forming the First French Army.” (Churchill, 2013, 174).

A few days later, Pellegrini took his wife on vacation in Anguilla. Stopping at an automated-teller machine in the hotel lobby on New Year's Eve to withdraw some cash, she checked the balance of their checking account. She was immediately taken aback. On the screen before her was a figure she had never seen before, at least not on an ATM. It's not clear how many others ever had, either: $45 million, newly deposited in their joint account. It was Pellegrini's bonus for the year, including some deferred compensation. He was still special to John Paulson, after all. In truth, Pellegrini had withheld more from his bonus than he needed in order to pay the year's taxes, so the figure in the bank account that day was skimpier than it could have been. Paulson paid him about $175 million for his work in 2007. Pellegrini would never again have to worry about finding a career, keeping a job, or stretching his savings. "Wow," his wife said quietly, still staring at the ATM. Then they left, arm in arm, to meet a chartered boat to take them to nearby St. Barts. Paulson did quite well for himself as well. His hedge fund got to keep 20 percent of the $15 billion or so gains of all his funds. He also was a big investor in the credit funds. His personal tally for 2007: nearly $4 billion. It was the largest one-year payout in the history of the financial markets.

A career Citibanker, Samir Bhatia was familiar with Aditya's work-life balance—coming to office at half past nine in the morning and leaving at half past five in the evening. Aditya was a sharp guy with a phenomenal grasp of things. He could work with great speed, clarity and understanding. Samir had never worked with Aditya but knew a lot about him. 'Aditya would go through every credit proposal with an x-ray vision and pick out just a few things that were absolutely necessary. There would be no paper on the table.

Higher education is the place where people who had big plans in high school get stuck in fierce rivalries with equally smart peers over conventional careers like management consulting and investment banking. For the privilege of being turned into conformists, students (or their families) pay hundreds of thousands of dollars in skyrocketing tuition that continues to outpace inflation. Why are we doing this to ourselves?

it was announced that Saudi Arabia and the United Arab Emirates would donate $100 million to the World Bank Women Entrepreneurs Fund, which was formed in April 2017, at Ivanka’s suggestion, to invest in women-owned businesses. “This is really a stunning achievement,” according to the World Bank’s president.

A study conducted at Harvard found that Reagan-era tax cuts sparked a mass career switch among the country’s brightest minds, from teachers and engineers to bankers and accountants. Whereas in 1970 twice as many male Harvard grads were still opting for a life devoted to research over banking, twenty years later the balance had flipped, with one and a half times as many alumni employed in finance. The upshot is that we’ve all gotten poorer. For every dollar a bank earns, an estimated equivalent of 60 cents is destroyed elsewhere in the economic chain. Conversely, for every dollar a researcher earns, a value of at least $5–and often much more–is pumped back into the economy.22 Higher taxes for top earners would serve, in Harvard science-speak, “to reallocate talented individuals from professions that cause negative externalities to those that cause positive externalities.” In plain English: Higher taxes would get more people to do work that’s useful.

There was one company—I think it was eMoneyMail—that shut down the company at a conference basically saying that the Internet is not a safe place to conduct transactions. They had 25 percent fraud. So for every $4.00 changing hands in the system, $1.00 was stolen. And it was all coming out of their pocket. They said, "We lost a ton of money," and they just quit. Then, people like Citibank and other large financial institutions that also competed with us that understood the fraud thing very well—they knew from many years of practice that this was going to become a big problem—didn't really approach it with the same happy abandon that we did. We started with this, "Fraud is going to kill us. What can we do to save ourselves?" They started from, "We have no fraud. How can we build this and not let any more fraud in?" Which is the wrong position to start because you are limiting your users, and new users learning about a new system really don't want to be restricted. Livingston: Why do you think they thought that way? Levchin: I think there's a very strong power of default where, to them, certain behavior to solve a particular problem is well understood. There are people that make careers out of risk management in big banks. They know that what you do is this and you don't do that. The other part, I think, is that a lot of them are public companies. We didn't go public until we had the fraud thing figured out. Somebody like Citibank or anyone with a substantial public visibility announcing that they are suddenly bleeding out $10 million a month in fraud would send serious shocks through the investor base. But I think, even if they did that, it's likely they wouldn't have been successful because—we had talked to a lot of them both as a potential acquirer and as partnership potential—none of them had actually ever gone to the sort of stuff that we did for our anti-fraud work. The default of how you do these things is very powerful, if you've been in the industry for a long time. So we were sort of beneficiaries of our naïveté. We thought, "We don't know how to do this; let's just invent it.

As a lender of last resort, the House of Morgan favored like-minded institutions of similar character and background. Kidder, Peabody was just such a firm. It didn’t hustle business or steal clients and always played by Morgan rules. In 1930, it was hit by multiple blows. The Italian government removed $8 million in deposits, and the new Bank for International Settlements instructed Kidder to switch big sums to a Swiss bank. This led to another rescue at Jack Morgan’s home, chaired by George Whitney, who had started his career as a Kidder clerk. The House of Morgan arranged a $10-million line of credit. Under Whitney’s tutelage, the old Kidder, Peabody was folded.