Daily Finance Quotes

When you work on something that only has the capacity to make you 5 dollars, it does not matter how much harder you work – the most you will make is 5 dollars.

No man can always have adequate reasons for buying or selling stocks daily - or sufficient knowledge to make his play an intelligent play.

Your daily product determines your value

Your daily choices and actions should be rational and productive

You can tell if a discipline is BS if the degree depends severely on the prestige of the school granting it. I remember when I applied to MBA programs being told that anything outside the top ten or twenty would be a waste of time. On the other hand a degree in mathematics is much less dependent on the school (conditional on being above a certain level, so the heuristic would apply to the difference between top ten and top two thousand schools). The same applies to research papers. In math and physics, a result posted on the repository site arXiv (with a minimum hurdle) is fine. In low-quality fields like academic finance (where papers are usually some form of complicated storytelling), the “prestige” of the journal is the sole criterion.

Most people who win the lottery are exactly as they were prior within a few years if they are not worse off. The fiscal management skills that lead one to give over daily money for scratch-offs will also cause the new money to vanish.

Remind yourself daily that there is no way to happiness; rather, happiness is the way. You may have a long list of goals that you believe will provide you with contentment when they’re achieved, yet if you examine your state of happiness in this moment, you’ll notice that the fulfillment of some previous ambitions didn’t create an enduring sense of joy. Desires can produce anxiety, stress, and competitiveness, and you need to recognize those that do. Bring happiness to every encounter in life, instead of expecting external events to produce joy. By staying in harmony on the path of the Tao, all the contentment you could ever dream of will begin to flow into your life—the right people, the means to finance where you’re headed, and the necessary factors will come together. “Stop pushing yourself,” Lao-tzu would say, “and feel gratitude and awe for what is. Your life is controlled by something far bigger and more significant than the petty details of your lofty aspirations.

Measure your life by the product and value you produce daily

Evaluate and assess your life on a daily

The best way to assess yourself is to base the assessment on the product you produce daily

What you do with your time daily is essential for spiritual and physical growth

What you do with your time on a daily basis determines what values will be added to your life

People often say that motivation doesn’t last. Well, neither does bathing – that’s why we recommend it daily.” -Zig Ziglar

Out in the real world, in which actual human beings live, it’s hard to come up with a more stupid example than 'ditching the daily latte'. Want to get your finances in order? Great! All you have to do is wean yourself off an addictive, stimulatory drug, which you’ve been using all your adult life, will cause withdrawal symptoms and impair your performance when you try to quit, is universally available, woven into the very fabric of social life, is the only addiction that carries no stigma whatsoever, and helped bring about the Enlightenment. Oh, and it’s also really frickin’ delicious.

The great masses, who have never been, in the history of mankind, more subject to hypnotic suggestion than they are right now, have become the puppets of the "public opinion" that is engineered by the newspapers in the service, it need hardly be emphasized, of the reigning powers of finance. What is printed in the morning editions of the big city newspapers is the opinion of nine out of ten readers by nightfall. The United States of America, whose more rapid "progress" enables us to predict the future on a daily basis, has pulled far ahead of the pack when it comes to standardizing thought, work, entertainment, etc. Thus, the United States in 1917 went to war against Germany in sincere indignation because the newspapers had told them that Prussian "militarism" was rioting in devilish atrocities as it attempted to conquer the world. Of course, these transparent lies were published in the daily rags because the ruling lords of Mammon knew that American intervention in Europe would fatten their coffers. Thus, whereas the Americans thought that they were fighting for such high-minded slogans as "liberty" and "justice," they were actually fighting to stuff the money bags of the big bankers. These "free citizens" are, in fact, mere marionettes; their freedom is imaginary, and a brief glance at American work-methods and leisure-time entertainments is enough to prove conclusively that l’homme machine is not merely imminent: it is already the American reality.

The family is the world's greatest welfare agency, and the most successful. What the federal government has done in welfare is small and trifling compared to what the families of America do daily, caring for their own, relieving family distresses, providing medical care and education for one another, and so on. No civil government could begin to finance what the families underwrite daily. The family's welfare program, for all its failures from time to time, is proportionately the world's most successful operation by an incomparable margin.

And yet this stagnation is a big reason why I am an optimistic skeptic. We know that in so much of what people want to predict—politics, economics, finance, business, technology, daily life—predictability exists, to some degree, in some circumstances. But there is so much else we do not know.

You may need an additional money to make things happen and have it, but you can have an additional time anywhere. Value your time; as you wait, it is passing!

Your daily product determines how far you go

Your daily product determines your output

Your daily actions should be productive

The first step towards improving your finances, is to avoid bad choices that have a high consequential financial liability attached to them.

A job is a contract whereby you sell out a bit of your life daily

Every minute, hour and hour that passes daily should be converted into product

Every unit of time that passes daily should be accounted for

Create/add value to your life on a daily basis

Discontinuities, irregularities, and volatilities seem to be proliferating rather than diminishing. In the world of finance, new instruments turn up at a bewildering pace, new markets are growing faster than old markets, and global interdependence makes risk management increasingly complex. Economic insecurity, especially in the job market, makes daily headlines. The environment, health,

Just for Today . . . Just for today . . . I will choose and display the right attitudes. Just for today . . . I will determine and act on important priorities. Just for today . . . I will know and follow healthy guidelines. Just for today . . . I will communicate with and care for my family. Just for today . . . I will practice and develop good thinking. Just for today . . . I will make and keep proper commitments. Just for today . . . I will earn and properly manage finances. Just for today . . . I will deepen and live out my faith. Just for today . . . I will initiate and invest in solid relationships. Just for today . . . I will plan for and model generosity. Just for today . . . I will embrace and practice good values. Just for today . . . I will seek and experience improvements.     Just for today . . . I will act on these decisions and practice these disciplines, and Then one day . . . I will see the compounding results of a day lived well.

Nothing brings home the fragility of the banking system or the potency of a financial crisis more vividly than writing about these issues from the eye of the storm. Watching the world’s central bankers and finance officials grappling with the current situation—trying one thing after another to restore confidence, throwing everything they can at the problem, coping daily with unexpected and startling shifts in market sentiment—reinforces the lesson that there is no magic bullet or simple formula for dealing with financial panics.

It is often the case that we will not like going through such a trial in the area of health or finance, or whatever it is that we lack in. But like a broken bone, when fixed, it is stronger than before. Likewise, God will strengthen our faith, so that we might be able to accomplish greater things for him in our futures. God will strengthen our faith in an area where we are weak, so that we can experience being victorious in every aspect of our lives. So keep trusting God, because he's not finished his work in you just yet! And in time, you will come forth from your trial, with a new level of faith.

many people mistaken for entrepreneurs fail to have true skin in the game in the sense that their aim is to either cash out by selling the company they helped create to someone else, or “go public” by issuing shares in the stock market. The true value of the company, what it makes, and its long-term survival are of small relevance to them. This is a pure financing scheme and we will exclude this class of people from our “entrepreneur” risk-taker class (this form of entrepreneurship is the equivalent of bringing great-looking and marketable children into the world with the sole aim of selling them at age four). We can easily identify them by their ability to write a convincing business plan.

Our long-postponed day of financial reckoning appears finally to be at hand, and it may well turn out to be something we should not wish away. When ordinary people are brought to understand that the state is unable to ensure their material well-being, children will again be perceived as long term assets: necessary replacements for the Social Security swindle and state-seized or inflation eroded private pension funds rather than obstacles to greater consumption. Amid the collapse of political finance, we may be able to regain a sense of the timeless purpose of labor and wealth. Our children may learn to find the satisfaction in the simple daily fact of family survival that we were unable to find in all our economic overreaching.

Despite the intervening six decades of scientific inquiry since Selye’s groundbreaking work, the physiological impact of the emotions is still far from fully appreciated. The medical approach to health and illness continues to suppose that body and mind are separable from each other and from the milieu in which they exist. Compounding that mistake is a definition of stress that is narrow and simplistic. Medical thinking usually sees stress as highly disturbing but isolated events such as, for example, sudden unemployment, a marriage breakup or the death of a loved one. These major events are potent sources of stress for many, but there are chronic daily stresses in people’s lives that are more insidious and more harmful in their long-term biological consequences. Internally generated stresses take their toll without in any way seeming out of the ordinary. For those habituated to high levels of internal stress since early childhood, it is the absence of stress that creates unease, evoking boredom and a sense of meaninglessness. People may become addicted to their own stress hormones, adrenaline and cortisol, Hans Selye observed. To such persons stress feels desirable, while the absence of it feels like something to be avoided. When people describe themselves as being stressed, they usually mean the nervous agitation they experience under excessive demands — most commonly in the areas of work, family, relationships, finances or health. But sensations of nervous tension do not define stress — nor, strictly speaking, are they always perceived when people are stressed. Stress, as we will define it, is not a matter of subjective feeling. It is a measurable set of objective physiological events in the body, involving the brain, the hormonal apparatus, the immune system and many other organs. Both animals and people can experience stress with no awareness of its presence. “Stress is not simply nervous tension,” Selye pointed out. “Stress reactions do occur in lower animals, and even in plants, that have no nervous systems…. Indeed, stress can be produced under deep anaesthesia in patients who are unconscious, and even in cell cultures grown outside the body.” Similarly, stress effects can be highly active in persons who are fully awake, but who are in the grip of unconscious emotions or cut off from their body responses. The physiology of stress may be triggered without observable effects on behaviour and without subjective awareness, as has been shown in animal experiments and in human studies.

Health professionals have a formal classification system for the level of function a person has. If you cannot, without assistance, use the toilet, eat, dress, bathe, groom, get out of bed, get out of a chair, and walk—the eight “Activities of Daily Living”—then you lack the capacity for basic physical independence. If you cannot shop for yourself, prepare your own food, maintain your housekeeping, do your laundry, manage your medications, make phone calls, travel on your own, and handle your finances—the eight “Independent Activities of Daily Living”—then you lack the capacity to live safely on your own.

Marriage Expectation Inventory.” It is basically a series of very simple but specific questions aimed at exploring each of their expectations in marriage, like how many children they would like to have, how their children should be raised, how they think money should be spent, who should control the finances, where they want to live, how decisions should be made, how often they would like to have sex, who should initiate sex, and who will be responsible for the daily chores of running the household. The questionnaire covers a number of different topics, many of which they may have never discussed as a couple.

Many autism experts believe daily living skills, such as managing finances, need to be explicitly taught to people on the autism spectrum. Everything most nonautistic people pick up as they go along—how to shop, catch a bus, cook, clean, or manage money—are skills that are difficult for me to acquire simply by assimilation. I need a book, a video, or someone to explain and show me how to do it. There’s a perception that anyone with average or above-average intelligence will naturally pick up these skills. Strangely, intelligence seems to have little to do with it, and one study even found that problems of this kind are especially prominent in those autistic people with greater cognitive abilities.

MARCH 6 YOU WILL DEFEAT THE ENEMIES OF YOUR FINANCES I HAVE PROMISED that I will defend My people and keep them from harm. I will strike your enemies with great panic, and they will seize each other by the hand and attack one another. The wealth of all your surrounding enemies will be collected—great quantities of silver and gold and material possessions—and will be given to My people. Blessed is the man who fears Me and finds great delight in My commands. Your children will be mighty in the land, and your generations will be blessed. Honor Me with the wealth that I give to you, and your barns will be filled to overflowing. My blessing upon you brings wealth, and I will add no trouble to it. ZECHARIAH 14:13–14; PSALM 112:2–3; JOHN 10:10 Prayer Declaration In the name of Jesus I bind and cast out every thief that would try to steal my finances. The Lord will rebuild the finances of His people and give the treasures of the nations to them. I will not put my hope in my wealth, but I will place my hope in God, who richly has provided me with everything for my enjoyment. I will lay up treasure for myself in heaven and take hold of life eternal.

JUNE 17 I WILL BREAK THE CURSE OF POVERTY DO NOT WORRY about your life, what you will eat or drink; or about your body, what you will wear. Look at the birds of the air; they do not sow or reap or store away in barns, and yet I feed them. You are more valuable to Me than they, and I know all that you need and desire. Seek My kingdom first, and My righteousness, and all these things will be given to you as well. I have broken the curse of poverty from your life. Blessings and prosperity will be yours, for prosperity is the reward of the righteous. Behold, I have plans to prosper you and not to harm you, plans to give you hope and a future. MATTHEW 6:25–33; PSALM 128:2; JEREMIAH 29:11 Prayer Declaration I break all curses of poverty, lack, debt, and failure in the name of Jesus. I seek first the kingdom of God and His righteousness, and all things are added unto me. I break all assignments of the enemy against my finances in the name of Jesus. The blessing of the Lord upon my life makes me rich. Wealth and riches are in my house because I fear God and delight greatly in following His Word. I am God’s servant, and He takes pleasure in my prosperity.

Noah Kagan, a growth hacker at Facebook, the personal finance service Mint.com (which sold to Intuit for nearly $170 million), and the daily deal site AppSumo (which has more than eight hundred thousand users), explains it simply: “Marketing has always been about the same thing—who your customers are and where they are.”5 What growth hackers do is focus on the “who” and “where” more scientifically, in a more measurable way. Whereas marketing was once brand-based, with growth hacking it becomes metric and ROI driven. Suddenly, finding customers and getting attention for your product are no longer guessing games. But this is more than just marketing with better metrics; this is not just “direct marketing” with a new name. Growth hackers trace their roots back to programmers—and that’s how they see themselves. They are data scientists meets design fiends meets marketers. They welcome this information, process it and utilize it differently, and see it as desperately needed clarity in a world that has been dominated by gut instincts and artistic preference for too long. But they also add a strong acumen for strategy, for thinking big picture, and for leveraging platforms, unappreciated assets, and new ideas.

Dr. Fauci, Bill Gates, and WHO financed a cadre of research mercenaries to concoct a series of nearly twenty studies—all employing fraudulent protocols deliberately designed to discredit HCQ as unsafe. Instead of using the standard treatment dose of 400 mg/day, the 17 WHO studies administered a borderline lethal daily dose starting with 2,400 mg.61 on Day 1, and using 800 mg/day thereafter. In a cynical, sinister, and literally homicidal crusade against HCQ, a team of BMGF operatives played a key role in devising and pushing through the exceptionally high dosing. They made sure that UK government “Recovery” trials on 1,000 elderly patients in over a dozen British, Welsh, Irish and Scottish hospitals, and the U.N. “Solidarity” study of 3,500 patients in 400 hospitals in 35 countries, as well as additional sites in 13 countries (the “REMAP-COVID” trial), all used those unprecedented and dangerous doses.62 This was a brassy enterprise to “prove” chloroquine dangerous, and sure enough, it proved that elderly patients can die from deadly overdoses. “The purpose seemed, very clearly, to poison the patients and blame the deaths on HCQ,” says Dr. Meryl Nass, a physician, medical historian, and biowarfare expert.

this I say,—we must never forget that all the education a man's head can receive, will not save his soul from hell, unless he knows the truths of the Bible. A man may have prodigious learning, and yet never be saved. He may be master of half the languages spoken round the globe. He may be acquainted with the highest and deepest things in heaven and earth. He may have read books till he is like a walking cyclopædia. He may be familiar with the stars of heaven,—the birds of the air,—the beasts of the earth, and the fishes of the sea. He may be able, like Solomon, to "speak of trees, from the cedar of Lebanon to the hyssop that grows on the wall, of beasts also, and fowls, and creeping things, and fishes." (1 King iv. 33.) He may be able to discourse of all the secrets of fire, air, earth, and water. And yet, if he dies ignorant of Bible truths, he dies a miserable man! Chemistry never silenced a guilty conscience. Mathematics never healed a broken heart. All the sciences in the world never smoothed down a dying pillow. No earthly philosophy ever supplied hope in death. No natural theology ever gave peace in the prospect of meeting a holy God. All these things are of the earth, earthy, and can never raise a man above the earth's level. They may enable a man to strut and fret his little season here below with a more dignified gait than his fellow-mortals, but they can never give him wings, and enable him to soar towards heaven. He that has the largest share of them, will find at length that without Bible knowledge he has got no lasting possession. Death will make an end of all his attainments, and after death they will do him no good at all. A man may be a very ignorant man, and yet be saved. He may be unable to read a word, or write a letter. He may know nothing of geography beyond the bounds of his own parish, and be utterly unable to say which is nearest to England, Paris or New York. He may know nothing of arithmetic, and not see any difference between a million and a thousand. He may know nothing of history, not even of his own land, and be quite ignorant whether his country owes most to Semiramis, Boadicea, or Queen Elizabeth. He may know nothing of the affairs of his own times, and be incapable of telling you whether the Chancellor of the Exchequer, or the Commander-in-Chief, or the Archbishop of Canterbury is managing the national finances. He may know nothing of science, and its discoveries,—and whether Julius Cæsar won his victories with gunpowder, or the apostles had a printing press, or the sun goes round the earth, may be matters about which he has not an idea. And yet if that very man has heard Bible truth with his ears, and believed it with his heart, he knows enough to save his soul. He will be found at last with Lazarus in Abraham's bosom, while his scientific fellow-creature, who has died unconverted, is lost for ever. There is much talk in these days about science and "useful knowledge." But after all a knowledge of the Bible is the one knowledge that is needful and eternally useful. A man may get to heaven without money, learning, health, or friends,—but without Bible knowledge he will never get there at all. A man may have the mightiest of minds, and a memory stored with all that mighty mind can grasp,—and yet, if he does not know the things of the Bible, he will make shipwreck of his soul for ever. Woe! woe! woe to the man who dies in ignorance of the Bible! This is the Book about which I am addressing the readers of these pages to-day. It is no light matter what you do with such a book. It concerns the life of your soul. I summon you,—I charge you to give an honest answer to my question. What are you doing with the Bible? Do you read it? HOW READEST THOU?

At the beginning of an address to an audience of 150 employees at their annual company retreat, I asked everyone to stand up. Then I asked everyone who did not have goals to sit down. A handful of people sat. I then asked everyone who did not have written goals to sit down. Unfortunately, but not surprisingly, all but about twenty people sat. Next, I asked those remaining to sit down unless they had written goals for more than just their career or financial life. That eliminated another twelve, leaving only eight of 150 people who had written goals targeting more than finances or career. I asked the remaining eight to sit down unless they had a written plan that accompanied their goals. That question filtered out five more, leaving three of 150 who had written goals and a plan in more than just the financial area. I asked the remaining three (all senior management, including the company president) to sit down unless they reviewed their goals on a daily basis. Only one person remained standing (a vice president of sales). Only one in 150 had written goals in more areas than just financial, had a plan for accomplishing them, and reviewed the goals daily. This is consistently what I’ve found over the years as I’ve surveyed the attendees in my public events. Invariably, less than 3 percent have written goals, and even those who have written down their goals have often done so only regarding finances or career. You may have heard of the 1953 study of Yale graduates. The subjects were periodically interviewed and followed by researchers for more than twenty years. Eventually the graduates were again interviewed, tested, and surveyed. Results showed that 3 percent of the Yale graduates earned more money than all the other 97 percent put together! The only difference between them was the top 3 percent had written goals and a plan of action for those goals, which they reviewed daily. Harvard University later did a study of business-school graduates from the class of 1979. They found that, other than to “enjoy themselves,” 84 percent of the class had no goals at all. Thirteen percent had goals and plans but had not written them down. Only 3 percent of the Harvard class had written goals accompanied by a plan of action. In 1989, the class was resurveyed. The results showed that the 13 percent who at least had mental goals were earning twice as much as the 84 percent with no goals. However, the 3 percent who had written down their goals and drafted a plan of action were earning ten times as much as the other 97 percent combined! The point is clear: Having written goals will make you more successful, and having written, well-planned goals that you review daily will make you super successful.

Corruption encroaching people’s daily lives” that impedes the people’s happiness ▲ “Corruption incurring loss of national finance” ▲ “Seeking of illegal private interests by public officials

Enron. One: The firm endorsed Enron’s asset-light strategy. In a 1997 edition of the Quarterly, consultants wrote that “Enron was not distinctive at building and operating power stations, but it didn’t matter; these skills could be contracted out. Rather, it was good at negotiating contracts, financing, and government guarantee—precisely the skills that distinguished successful players.” Two: The firm endorsed Enron’s “loose-tight” culture. Or, more precisely, McKinsey endorsed Enron’s use of a term that came straight out of In Search of Excellence. In a 1998 Quarterly, the consultants peripherally praised Enron’s culture of “[allowing executives] to make decisions without seeking constant approval from above; a clear link between daily activities and business results (even if not a P&L); something new to work on as often as possible.” Three: The firm endorsed Enron’s use of off–balance-sheet financing. In that same 1997 Quarterly, the consultants wrote that “the deployment of off–balance-sheet funds using institutional investment money fostered [Enron’s] securitization skills and granted it access to capital at below the hurdle rates of major oil companies.” McKinsey heavyweight Lowell Bryan—godfather of the firm’s financial institutions practice—put it another way: “Securitization’s potential is great because it removes capital and balance sheets as constraints on growth.” Four: The firm endorsed Enron’s approach to “atomization.” In a 2001 Quarterly, the consultants wrote: “Enron has built a reputation as one of the world’s most innovative companies by attacking and atomizing traditional industry structures—first in natural gas and later in such diverse businesses as electric power, Internet bandwidth, and pulp and paper. In each case, Enron focused on the business sliver of intermediation while avoiding the incumbency problems created by a large asset base and vertical integration.

Press toward the goal to win the prize. The mind of the determined person presses their way toward their dreams and destiny! When they get tired, they somehow find that strength. When they get distracted, they somehow become laser focused! When they don’t have the money, they somehow get the finances and increase from somewhere! What are you believing God for? Are you willing to press like Paul says in Philippians 3:14 in order to get it? When I’ve pressed, I’ve always been blessed!

These were common preoccupations for sophisticated Romans, who conducted their daily lives-in their private concerns as much as in affairs of finance or state-against a background of sacrifice, augury, omens and prophecies. Animals were offered on the charcoal brazier, statues venerated, libations poured out, entrails examined as keenly as the flight patterns of birds. Yet much of Roman religion-a broad and tolerant paganism-was conducted more as a matter of observance than of internalised faith.4 It was certainly no formalised theology offering the promise of divinely democratic judgement followed by an afterlife.

We all are secret-keepers in our intimate relationships. We keep secrets from our partners about daily encounters, former lovers, true feelings about sex, friends, in-laws, finances, personal hopes, and worries about work, health, love, and life. It may be, in fact, that keeping these secrets makes all relationships possible. If our partners knew every thought, every nuance of our selves, our relationships would run the risk of succumbing from either constant turmoil or—perhaps worse—a tedious matter-of-factness devoid of surprises. Whatever their contribution to the maintenance of our unions, secrets also contribute to their collapse.

Thus, a person can believe in the existence of Jesus or the existence of God all that he or she wants.  But without those important elements of commitment and of trust, there is no salvation.  James 2:19 says, "Thou believest that there is one God; thou doest well: the devils also believe, and tremble."  A simple example of that occurs with the weather.  If the forecaster says a chance of rain, then the person may or may not carry an umbrella.  But if the forecaster says that it will rain then the person that truly believes in the forecast will carry an umbrella.  In the same way, the person that truly believes in Jesus in the correct biblical context will commit to Him and will also trust in Him.  That is what it means to be saved.   Solomon said above to trust in the Lord with all of one's heart and to not lean unto one's own understanding.  For the person that has not come to Him by faith, that admonition says to come to Him by faith.  For the person that has come to Him by faith, it encourages trusting Him in all the important areas of life.  A godly person trusting in the Lord should commit his or her life to Him and trust in Him.  That commitment and trust pertain to decisions about education, career, finances, and anything else that can go wrong with a bad decision.  When a person must choose between one's own path and the Lord's path, always go in the way of His leading.

FOR MY SPIRITUAL LIFE... What’s the ONE Thing I can do to help others... ? What’s the ONE Thing I can do to improve my relationship with God... ? FOR MY PHYSICAL HEALTH... What’s the ONE Thing I can do to achieve my diet goals... ? What’s the ONE Thing I can do to ensure that I exercise... ? What’s the ONE Thing I can do to relieve my stress... ? FOR MY PERSONAL LIFE... What’s the ONE Thing I can do to improve my skill at ________... ? What’s the ONE Thing I can do to find time for myself... ? FOR MY KEY RELATIONSHIPS... What’s the ONE Thing I can do to improve my relationship with my spouse/partner... ? What’s the ONE Thing I can do to improve my children’s school performance... ? What’s the ONE Thing I can do to show my appreciation to my parents... ? What’s the ONE Thing I can do to make my family stronger... ? FOR MY JOB... What’s the ONE Thing I can do to ensure that I hit my goals... ? What’s the ONE Thing I can do to improve my skills... ? What’s the ONE Thing I can do to help my team succeed... ? What’s the ONE Thing I can do to further my career... ? FOR MY BUSINESS... What’s the ONE Thing I can do to make us more competitive... ? What’s the ONE Thing I can do to make our product the best... ? What’s the ONE Thing I can do to make us more profitable... ? What’s the ONE Thing I can do to improve our customer experience... ? FOR MY FINANCES... What’s the ONE Thing I can do to increase my net worth... ? What’s the ONE Thing I can do to improve my investment cash flow... ? What’s the ONE Thing I can do to eliminate my credit card debt... ? BIG IDEAS So how do you make The ONE Thing part of your daily routine? How do you make it strong enough to get extraordinary results at work and in the other areas of your life? Here’s a starter list drawn from our experience and our work with others. Understand and believe it. The first step is to understand the concept of the ONE Thing, then to believe that it can make a difference in your life. If you don’t understand and believe, you won’t take action. Use it. Ask yourself the Focusing Question. Start each day by asking, “What’s the ONE Thing I can do today for [whatever you want] such that by doing it everything else will be easier or even unnecessary?” When you do this, your direction will become clear. Your work will be more productive and your personal life more rewarding. Make it a habit. When you make asking the Focusing Question a habit, you fully engage its power to get the extraordinary results you want. It’s a difference maker. Research says this will take about 66 days. Whether it takes you a few weeks or a few months, stick with it until it becomes your routine. If you’re not serious about learning the Success Habit, you’re not serious about getting extraordinary results. Leverage reminders. Set up ways to remind yourself to use the Focusing Question. One of the best ways to do this is to put up a sign at work that says, “Until my ONE Thing is done—everything else is a distraction.” We designed the back cover of this book to be a trigger —set it on the corner of your desk so that it’s the first thing you see when you get to work. Use notes, screen savers, and calendar cues to keep making the connection between the Success Habit and the results you seek. Put up reminders like, “The ONE Thing = Extraordinary Results” or “The Success Habit Will Get Me to My Goal.” Recruit support. Research shows that those around you can influence you tremendously. Starting a success support group with some of your work colleagues can help inspire all of you to practice the Success Habit every day. Get your family involved. Share your ONE Thing. Get them on board. Use the Focusing Question around them to show them how the Success Habit can make a difference in their school work, their personal achievements, or any other part of their lives.

Liquidity of the Market Are enough shares traded to establish a real market? Are the shares actively traded? What is the daily trading volume—just a few hundred shares or many thousands? Some smaller public companies have very little trading activity which makes it difficult to sell even a moderate number of shares without driving the price down. The

God has a personal, individual plan for each of us. It embraces the big things in life: whom we will marry, what our career will be, where we will live, even when we will die. It also includes the details of our daily lives: decisions about our families, finances, leisure time, friendships, and countless other choices we make. Are you seeking God’s will in everything? The Bible says, “‘For I know the plans I have for you,’ declares the LORD, ‘plans to prosper you and not to harm you, plans to give you hope and a future’” (Jeremiah 29:11).

After only two short weeks, we’re asking you to give up the life you had before—your apartment, your friends, the right to come and go at will, the freedom to live your life purely on your terms. As a staff slave, while you can get permission to leave The Enclave for family visits and things of that sort, you are basically entering a consensual agreement of sexual and service enslavement. You will no longer have access to your own finances, though money will be set aside for you every month and will be available to you if and when you need it. You will no longer be permitted to make decisions about your body, your daily life or your submissive and masochistic choices. We, as your Masters and Mistresses, will decide for you. There are no hard limits here, no safewords. Once you sign on as a staff slave, you abdicate all rights. The only choice left to you will be the choice to leave, should you decide you are unhappy here.

four appalling realities of daily life: maternal mortality, human trafficking, sexual violence, and the routine daily discrimination that causes girls to die at far higher rates than boys. The tools to address these challenges include girls’ education, family planning, micro-finance, and “empowerment” in every sense.

New dreams are like new wines; they grow sweeter over time. With patience, you will be able to climb your spiritual, financial, academic, marital and social ladders in Jesus' name!

Work is the main event. It is central to our economy and our society, and it makes family life possible. It underpins our finances and our sense of purpose in life. Given work’s overriding importance, it is imperative to recognize the profound, far-reaching transformation that shadow work is having, and the way it is redefining our very notion of work. We will track down shadow work in its natural habitats, which are the familiar environments of daily life: the home and family, the office, shopping, restaurants, travel, and the digital world of computers and the Internet.

Unmanaged spending hinders financial growth through irrelevant bad investment choices.

Don't tell me what you think: just tell me what's in your portfolio.

Now, when you read material by finance professors, finance gurus, or your local bank making investment recommendations based on the long-term returns of the market, beware. Even if their forecasts were true (they aren’t), no individual can get the same returns as the market unless he has infinite pockets and no uncle points.

The horizon of our time is marked by the Fukushima event. Compared to the noisy catastrophes of the earthquake and the tsunami, Tokyo's silent apocalypse is more frightening and suggests a new framework of social expectation for daily life on the planet. The megalopolis is directly exposed to the Fukushima fallout, but life is proceeding almost normally. Only a few people have abandoned the city. Most citizens have stayed there, buying mineral water as they have always done, breathing with facemasks on their mouths as they have always done. A few cases of air and water contamination are denounced. Concerns about food safety have prompted US officials to halt the importation of certain foods from Japan. But the Fukushima effect does not imply a disruption of social life: poison has become a normal feature of daily life, the second nature we have to inhabit.

When condominiums don’t meet government-backed lenders’ standards they become non-warrantable. This means that buyers cannot get standard loans for these properties. They will have to pay cash or pay exorbitant rates through private lenders. When a building is full of non-warrantable condos, the pool of buyers shrinks and lowers the condo’s value. One might think that newer projects would have lower maintenance costs than older projects. But this isn’t always true. Some builders set monthly fees low while they advertise the project. This attracts bargain buyers, but owners soon discover they have inadequate reserves. The monthly fees then skyrocket. Even if the homeowners successfully sue the builder, it is hard to sell any properties while litigation is pending, and values drop. Most states have specific forms for condominium transactions in which the association discloses finances and reserves. Buyers must sign and verify they have examined the financial condition of the project. Pay attention to past history. How old is the roof? When were improvements last made? How often do association dues increase? Even though many people don’t investigate these issues, a home’s value depends on them. CHAPTER 7 BANK FINANCING Banks have a new image. Now you have ‘a friend,’ your friendly banker. If the banks are so friendly, how come they chain down the pens? — Alan King Bank lending standards and terms change daily. This chapter provides general principles that should prove useful over the long term. We will examine how to borrow from banks to acquire or refinance a home. Please note the term “banks” as used here includes credit unions and other major financial institutions. There’s another chapter on non-bank lending to help those who don’t meet the criteria set by major lending institutions.

Start-ups growing steadily and sustainably without millions of dollars of financing like Bhane, Bombay Shaving Company, Chomp, Daily Objects, Korra, Nicobar, Scarters, all indicate a different side of this story.

Immerse yourself in good books. Read one to two hours per week if you can, more if time permits. Become acquainted with the literary classics. Read as much as you can on personal improvement (self help), history, people, business, and finances. Study the great works of the philosophers. Study scriptures and read about religions and anything that adds value to religious beliefs. Invest in yourself! Learn as much as you can and become a student of life. You can learn a great deal from the experiences of others, from their great successes and also from their failures. Everything you read becomes part of you. Carefully choose what you read on a daily basis. Be very careful with what you choose to read. The words you choose to read play an important role in your personal development and overall outlook on life. Be open-minded about what you read and often take what you read with a grain of salt. Much of what we read is written through colored lenses and is the summation of someone else’s thought, habit, education, beliefs, and past and present life experiences.

Every day is exciting when you don’t live your life based on religion alone

Be conscious of your actions daily

What you do with your time on a daily basis determines how far you will go in life

This world can be a tough address. Yes, there will be times when you feel that you simply don’t have what it takes to deal with what you’re facing. Yes, you will be tempted to think that you have been singled out to endure particular difficulty. Yes, you will have moments when you look back with regret and moments when you look forward with fear. But in all of this there is real reason for peace and hope. It’s not the peace that comes when life seems to be working well, when the people around you seem to appreciate you, or when your health and finances are good; there is a sturdier peace to be found. It is found in knowing that your heavenly Father is not afraid of, or will not be defeated by, what makes you afraid or has the power to defeat you. Peace comes when you rest in the fact that grace has connected you to the One who has overcome everything that could cause your heart to be troubled, and nothing can sever that connection.

adjust the historical prices by a multiplier instead of subtracting $d so that the historical daily returns will remain the same pre- and post-adjustment. This is the way Yahoo! Finance adjusts its historical data, and is the most common way.

How to Quantify Achievement Stories When hiring managers, recruiters, and staffing firms see a resume or LinkedIn profile or attend an interview with verbiage but no numbers, they don’t know what those words mean. In fact, they know next to nothing until you add the numbers that explain the impact of your work. Here’s how you can resolve this issue. Work With Finance Sometimes the impact of our work is not always clear. At times like this, reaching out to one of your friends in the Finance Department can be very helpful. Finance has access to numbers that are not always readily available to other departments. If you’re no longer with the company, explain to the Finance associate that the numbers he provides could make the difference in determining whether you land another position. Using a Range Per Lily Zhang of the Muse, one reason job seekers avoid quantifying is not knowing the exact number. Lily suggests using a range. Using my work experience, here’s what that means: Before: Chaired weekly product manager meeting. After: Chaired weekly meeting with 7 to 12 product managers so plans could be discussed and coordinated. Confusion and rework were eliminated. Frequency Lily shared that one of the easiest ways to add numbers is to identify the frequency with which you perform a given task. This can help the hiring manager understand how much you can handle. For example: Before: Responded to pricing requests from the Sales Force. After: Responded to 15 to 20 pricing requests from the Sales Force on a daily basis. Scale Everyone on the hiring side of the business loves when candidates provide numbers, because numbers explain the impact of what you’ve done. The most meaningful numbers are those associated with making money, saving money, and driving productivity. Here are a couple examples from my work experience: Before: Reduced time to perform Operations Manager’s role; after analysis showed tasks could be batched and performed at the end of the month. After: Reduced time to perform Operations Manager role by 66%; after analysis showed tasks could be batched and performed at the end of the month. Asked Director if I could take on the responsibilities of employees who were laid off. Before: Analysis revealed misconfigured offers; worked with other departments to correct errors. Implemented process to prevent future errors. After: Analysis revealed misconfigured offers; worked with other departments to correct errors. Recognized $7.2M. Implemented process to prevent future errors.

Pooh-pooh it all you want. Money may not buy happiness, but…well, nonsense. Money, pretty much more than anything else you might be able to control, can conjure up and elevate that elusive ideal we call happiness. Money eases stress. It provides better education, better food, better doctors—some level of peace of mind. Money provides comfort and freedom. Money buys you experiences and conveniences and most of all, money buys you time, which, Simon had realized, was right up there with family and health. If you believe that—and even if you don’t—the person you chose to handle your finances was up there with choosing a doctor or clergyman, though Simon would argue that your wealth manager was even more involved in your daily life. You work hard. You save. You plan. There are virtually no major life decisions you make that are not in some way based on your finances. It was an awesome responsibility when you stepped back and thought about it.

At Berkshire, managers can focus on running their businesses: They are not subjected to meetings at headquarters nor financing worries nor Wall Street harassment. They simply get a letter from me every two years (reproduced at the end of this letter) and call me when they wish. And their wishes do differ: There are managers to whom I have not talked in the last year, while there is one with whom I talk almost daily. Our trust is in people rather than process. A “hire well, manage little” code suits both them and me.

The magazine Fantasio, where Irène took her first steps as a writer, wondered, with its habitual misogyny, “how a woman could have written a book in which there is not a single trivial remark, no softness, not an adjective too many,” delivering her sentences on the page “like a steam-hammer on the pavements.”39 Princesse Bibesco’s Les Quatre Portraits, which was published at the same time, but also the other new books written by women disappeared from the shelves within six months. Irène Némirovsky knew only too well why this was: “Young Frenchwomen have not usually had the human experiences that circumstances … have allowed me to acquire: the world of Jewish high finance with all the dramas, the bankruptcies and the catastrophes that occur daily, the journeys, revolution …”40

The Creator of the universe is breathing on your life. He is breathing on your health, breathing on your finances, breathing on your marriage. If you will be confident in what God has given you, He can take what looks like little and turn it into much.

Consuming all your income leads to financial insecurity; but earning to invest paves the way to financial freedom.

Even the most ordinary incidents of his daily life were magnified and nourished speculation.

which has led to ordinary and casual incidents of his daily life being scrutinized and magnified by the money markets of the world.

the daily struggles of the average German to make a living only fed the resentment against the Versailles settlement further.

Habit 1: Reading + Numbers Habit 2: The Principal of Compounding in Finance and Life Habit 3: The circle of competence Habit 4: Power of isolation, thinking and No Internet! Habit 5: Inner scorecard or outer scorecard? Habit 6: Do what you love – The Science of not getting bored and eventually succeed! Habit 7: Cash is King – Really? Habit 8: Invest in yourself - Pay yourself first! Habit 9: Time management: - 24 hours/1440 minutes a day

It is psychotic and hateful behavior. But such behaviour is typical in many war zones. Cartel thugs have gone beyond the pale because they are completely immersed in a violent conflict, living like soldiers in the trenches. Imagine the life of Zetas thugs in the war-torn northeast of Mexico, fighting daily with soldiers and rival gangs, moving from safe house to safe house, completely divorced from the reality of normal citizens. In these ghastly conditions they commit atrocities that the world finds so hard to comprehend. For many of these cartel soldiers on the front line, war and insurgency have become their central mission. While thugs have traditionally talked about fighting over drug smuggling, now many are talking about smuggling drugs to finance their war.

What does it mean to live in an intentionally Christ-centered way in your daily life—in your marriage, parenting, friendship, work, community, finances, etc.? Remember that only when you live for Christ can you recapture the transcendence for which you were created. Only in transcendent living can you recover your true humanity. And only in recovering your true humanity can your life really have meaning and purpose. All of this is true because your humanity is not tied to self-discovery and self-fulfillment (as the surrounding world proposes) but in investing your life for Christ’s glory and the success of his kingdom on earth.

To control risk further, I replaced Bamberger’s segregation into industry groups by a statistical procedure called factor analysis. Factors are common tendencies shared by several, many, or all companies. The most important is called the market factor, which measures the tendency of each stock price to move up and down with the market. The daily returns on any stock can be expressed as a part that follows the market plus what’s left over, the so-called residual. Financial theorists and practitioners have identified a large number of such factors that help explain changes in securities prices. Some, like participation in a specified industry group or sector (say, oil or finance) mainly affect subgroups of stocks. Other factors, such as the market itself, the levels of short-term and long-term interest rates, and inflation, affect nearly all stocks. The beauty of a statistical arbitrage product is that it can be designed to offset the effects of as many of these factors as you desire. The portfolio is already market-neutral by constraining the relation between the long and short portfolios so that the tendency of the long side to follow the market is offset by an equal but opposite effect on the short side. The portfolio becomes inflation-neutral, oil-price-neutral, and so on, by doing the same thing individually with each of those factors. Of course, there is a trade-off: The reduction in risk is accompanied by limiting the choice of possible portfolios.

But spending beyond a pretty low level of materialism is mostly a reflection of ego approaching income, a way to spend money to show people that you have (or had) money. Think of it like this, and one of the most powerful ways to increase your savings isn’t to raise your income. It’s to raise your humility. When you define savings as the gap between your ego and your income you realize why many people with decent incomes save so little. It’s a daily struggle against instincts to extend your peacock feathers to their outermost limits and keep up with others doing the same. People with enduring personal finance success—not necessarily those with high incomes—tend to have a propensity to not give a damn what others think about them.

Caroline’s shoulders drooped a little, remembering why she’d come. Her family’s esteemed financial magazine, Preston’s Daily Finance, was tanking. They were one month, tops, from declaring bankruptcy.

Beyond that, you also need to practise daily and continuous gratitude for your present life. This keeps the connection with the divine clear and strong. You need to ensure you behave fairly with everyone you have dealings with and you need to ensure you give everyone more in ‘use-value’ than you take from them.

It’s not just what you do in a job or your business that will identify you as a success or a failure. Not having “date nights” or saying, “I love you” daily will put your marriage at risk of failure. Spending sixty-five hours a week at your job will put your emotional well-being at risk of failure. Eating Twinkies and Big Macs and not exercising will put your health at risk of failure. Financing a car or paying more than the equivalent of one month’s income in cash will put your financial health at risk of failure.

CHAPTER 4 SUMMARY: BEST WAYS 71–80 71. When it comes to ensuring your family’s financial well-being, and securing a meaningful and rewarding job, you need to create a written action plan or a MAP (Meticulous Action Plan). 72. When you create a MAP, you are actually programming your own “employment GPS” so you can go from where you are to where you want to be. 73. When you’re done developing your action plan, you’ll have a highly structured schedule of activities for each day of the week. This includes your job transition campaign as well as your personal, social, and fitness activities. 74. If you are unemployed, you should invest 50, 60, or 70 hours a week on your job campaign. If you have a full-time job, you need to set aside a defined number of hours every week as your investment in your future. 75. Whether you are employed and looking for a better job or out of work seeking a new one, you must hold yourself fully accountable for putting in as many hours as possible and getting the most out of every hour you put in. 76. The first question you will need to address is, how many hours a week will you commit to your job transition campaign? Then, based on the number of weekly hours you’ll invest in getting a new job, your next step is to break weekly hours down into daily hours. 77. There are 13 primary job transition strategies for landing a job in troubled economic times. Your job is to determine which 4 to 6 strategies will be most effective for you. a. Networking and contact development b. Target marketing (identifying companies you want to work for) c. Internet searches and postings d. Federal jobs e. Search firms and employment agencies f. Blogs with job listings g. Classified advertisements in newspapers and trade journals h. Job fairs i. College placement departments and alumni associations j. Workforce System and One-Stops k. Volunteer work l. Job transition strategists m. Creative self-marketing 78. Once you have identified which job transition strategies will work best for your campaign, determine when, during the week, you will work on each. You want to create a structured weekly schedule. When you create a structured weekly schedule, you will have a detailed plan with specific daily tasks both for your job campaign and for personal and social activities. 79. Once you have a structured weekly schedule, you must set goals that you want to achieve from your weekly activities. A MAP without specific goals is not an effective plan. You will want to set specific goals for each strategy so you can track your success or modify the MAP if you are not achieving your weekly goals. 80. Prepare for the worst-case scenario. It is vitally important to remain in a positive, optimistic, and enthusiastic state of mind. But sometimes your plan won’t come to fruition as quickly as you’d like. So expect the best, but plan for the worst. This would include looking at your long- and short-term finances and health and other issues that need to be addressed to free you up to concentrate on getting your next job.

When evaluating a new client for degree of independence, I consider four factors: 1. Emotional issues: Does the person have good resources within himself or herself for coping independently with emotional issues that come up, or does he or she turn to parents not only for advice, but for cues as to how to react to the event in question? 2. Financial issues: Does the adult child earn an adequate living on his or her own, or does he or she rely heavily on parental input for things such as job contacts, supplemental funds, or housing? 3. Practical issues/interactive situations: Can the person manage day-to-day living, finances, nutrition, exercise, and housekeeping? 4. Career/Education issues: Does the person have a rewarding job or career that is commensurate with his or her abilities and offers the potential for further success? Is the person willing to learn new things to increase his or her productivity or compensation? These are the basic skills of living, many of which are addressed in the social ability questionnaire. Just as there are levels of social functioning, so too there are levels of independent functioning. All three of the following levels describe an adult with some degree of dependency problems. A healthy adult is someone who is independent financially, is able to manage practical and interactive issues, and who stays in touch with family but does not rely almost solely on family for emotional support. Level 1—Low Functioning Emotional issues: Lives at home with parent(s) or away from home in a fully structured or supervised environment. Financial issues: Contributes virtually nothing financially to the running of the household. Practical issues: Chooses clothes to wear that day, but does not manage own wardrobe (i.e., laundry, shopping, etc.). Relies on family members to buy food and prepare meals. Does few household chores, if any. May try a few tasks when asked, but seldom follows through until the job is finished. Career/education issues: Is not table to keep a job, and therefore does not earn an independent living. Extremely resistant to learning new skills or changing responsibilities. Level 2: Moderately functioning Emotional issues: Lives either at home or nearby and calls home every day. Relies on parents to discuss all details of daily life, from what happened at work or school that day to what to wear the next day. Will call home for advice rather than trying to figure something out for him- or herself. Financial issues: May rely on parents for supplemental income—parents may supply car, apartment, etc. May be employed by parents at an inflated salary for a job with very few responsibilities. May be irresponsible about paying bills. Practical issues: Is able to make daily decisions about clothing, but may rely on parents when shopping for clothing and other items. Neglects household responsibilities such as laundry, cleaning and meal planning. Career/education issues: Has a job, but is unable to cope with much on-the-job stress; job is therefore only minimally challenging, or a major source of anxiety—discussed in detail with Mom and Dad. Level 3: Functioning Emotional issues: Lives away from home. Calls home a few times a week, relies on family for emotional support and most socializing. Few friends. Practical issues: Handles all aspects of daily household management independently. Financial issues: Is financially independent, pays bills on time. Career/education issues: Has achieved some moderate success at work. Is willing to seek new information, even to take an occasional class to improve skills.

Giving a piece of your life daily through employment makes you empty

Losing your job releases you from the contract of giving a piece of your life daily

Make optimum use of every second that passes daily

Be persistent and diligent in the way you spend your time daily

If our identity in our secular job is inconsistent with our ministry for God, we then fragment in the ways we approach daily activities in each sphere. By compartmentalizing our lives, we will not be flowing out of our spiritual core, which is dependent on him. God endowed the Hebrew culture with such complete truths about how to function without separating from oneself or other members of one’s community. The Hebrew mindset did not compartmentalize or separate one area of life from another. In fact, it taught—and in some Jewish circles still teaches—the most holistic way of living, where everything in life is connected and flows together.

Where is my trust? Where is my faith that I will be watched over and loved? Why does that faith disappear when it comes to finances even

Most people choose not to be rich. For 90 percent of the population, being rich is too much of a hassle. So they invent sayings that go: “I’m not interested in money.” “I’ll never be rich.” “I don’t have to worry. I’m still young.” “When I make some money, then I’ll think about my future.” “My husband/wife handles the finances.” The problem with those statements is that they rob the person who chooses to think such thoughts of two things: One is time, which is your most precious asset. The second is learning. Having no money should not be an excuse to not learn. But that is a choice we all make daily: the choice of what we do with our time, our money, and what we put in our heads.

Federal student loans are unbankruptable (and yes, that’s a real word). The government will start garnishing your wages as soon as three months after you default. And they do it in increments that make it virtually impossible to get out from under. Unlike a mortgage, on which interest compounds monthly, student loan interest compounds daily.

The degree to which you value the currency in your possession; is a reflection of your daily potential good or bad investment choices.

In his book Today Matters he shares twelve keys that you can focus on daily to get more success and fulfillment in your life. As he says, “You will never change your life until you change something you do daily.” He calls them, The Daily Dozen. Here are the keys: 1. Attitude 2. Priorities 3. Health 4. Family 5. Thinking 6. Commitment 7. Finances 8. Faith 9. Relationships 10. Generosity 11. Values 12. Growth

The predisposition to mismanage finances creates the pathway for a perilous financial journey.