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Summary of the Science of Getting Rich There is a thinking stuff from which all things are made, and which, in its original state, permeates, penetrates, and fills the interspaces of the universe. A thought in this substance produces the thing that is imaged by the thought. Man can form things in his thought, and by impressing his thought upon formless substance can cause the thing he thinks about to be created. In order to do this, man must pass from the competitive to the creative mind; otherwise he cannot be in harmony with the Formless Intelligence, which is always creative and never competitive in spirit. Man may come into full harmony with the Formless Substance by entertaining a lively and sincere gratitude for the blessings it bestows upon him. Gratitude unifies the mind of man with the intelligence of Substance, so that man’s thoughts are received by the Formless. Man can remain upon the creative plane only by uniting himself with the Formless Intelligence through a deep and continuous feeling of gratitude. Man must form a clear and definite mental image of the things he wishes to have, to do, or to become; and he must hold this mental image in his thoughts, while being deeply grateful to the Supreme that all his desires are granted to him. The man who wishes to get rich must spend his leisure hours in contemplating his Vision, and in earnest thanksgiving that the reality is being given to him. Too much stress cannot be laid on the importance of frequent contemplation of the mental image, coupled with unwavering faith and devout gratitude. This is the process by which the impression is given to the Formless, and the creative forces set in motion. The creative energy works through the established channels of natural growth, and of the industrial and social order. All that is included in his mental image will surely be brought to the man who follows the instructions given above, and whose faith does not waver. What he wants will come to him through the ways of established trade and commerce. In order to receive his own when it shall come to him, man must be active; and this activity can only consist in more than filling his present place. He must keep in mind the Purpose to get rich through the realization of his mental image. And he must do, every day, all that can be done that day, taking care to do each act in a successful manner. He must give to every man a use value in excess of the cash value he receives, so that each transaction makes for more life; and he must so hold the Advancing Thought that the impression of increase will be communicated to all with whom he comes in contact. The men and women who practice the foregoing instructions will certainly get rich; and the riches they receive will be in exact proportion to the definiteness of their vision, the fixity of their purpose, the steadiness of their faith, and the depth of their gratitude.

Chapter 1 Summary The debate in science is between the mind being what the brain does versus the brain doing the bidding of the mind. The correct view is that the mind is designed to control the body, of which the brain is a part, not the other way around. Our brain does not control us; we control our brain through our thinking and choosing. We can control our reactions to anything. Choices are real. You are free to make choices about how you focus your attention, and this affects how the chemicals, proteins, and wiring of your brain change and function. Research shows that DNA actually changes shape in response to our thoughts. Stress stage one is normal. Stress stage two and stage three, on the other hand, are our mind and body’s response to toxic thinking—basically normal stress gone wrong. Reaction is the key word here. You cannot control the events or circumstances of your life, but you can control your reactions.

One other thing. And this really matters for readers of this book. According to official Myers–Briggs documents, the test can ‘give you an insight into what kinds of work you might enjoy and be successful doing’. So if you are, like me, classified as ‘INTJ’ (your dominant traits are being introverted, intuitive and having a preference for thinking and judging), the best-fit occupations include management consultant, IT professional and engineer.30 Would a change to one of these careers make me more fulfilled? Unlikely, according to respected US psychologist David Pittenger, because there is ‘no evidence to show a positive relation between MBTI type and success within an occupation…nor is there any data to suggest that specific types are more satisfied within specific occupations than are other types’. Then why is the MBTI so popular? Its success, he argues, is primarily due to ‘the beguiling nature of the horoscope-like summaries of personality and steady marketing’.31 Personality tests have their uses, even if they do not reveal any scientific ‘truth’ about us. If we are in a state of confusion they can be a great emotional comfort, offering a clear diagnosis of why our current job may not be right, and suggesting others that might suit us better. They also raise interesting hypotheses that aid self-reflection: until I took the MBTI, I had certainly never considered that IT could offer me a bright future (by the way, I apparently have the wrong personality type to be a writer). Yet we should be wary about relying on them as a magic pill that enables us suddenly to hit upon a dream career. That is why wise career counsellors treat such tests with caution, using them as only one of many ways of exploring who you are. Human personality does not neatly reduce into sixteen or any other definitive number of categories: we are far more complex creatures than psychometric tests can ever reveal. And as we will shortly learn, there is compelling evidence that we are much more likely to find fulfilling work by conducting career experiments in the real world than by filling out any number of questionnaires.32

Barr decided to write a second letter to Congress, which would detail the special counsel’s principal conclusions. He and his team scanned the Mueller report looking for sentences that they could quote in the letter that summarized the special counsel’s findings or reflected the bottom line. They found the report to be a garbled mess and struggled to find something worth quoting. At one point, O’Callaghan homed in on this line: “While this report does not conclude that the President committed a crime, it also does not exonerate him.” “If we don’t include that, people are going to criticize us,” O’Callaghan said. Barr agreed. “You know what, Ed? That’s a good point. Let’s put that in there,” he said. As they finalized the draft of the letter, O’Callaghan called Aaron Zebley, Mueller’s chief of staff. He told Zebley that Barr would be laying out Mueller’s bottom-line conclusions and asked if he would want to read the draft before it was released. Zebley responded no, telling O’Callaghan that they did not need to see it. Zebley was hoping and assuming that Barr’s letter would quote the summaries the team had spent so much time on. But he didn’t say that to O’Callaghan. Yet again, the Mueller team declined an opportunity to weigh in on how their investigation’s findings would be presented to the public.

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While David runs the financial end of the Rockefeller dynasty, Nelson runs the political. Nelson would like to be President of the United States. But, unfortunately for him, he is unacceptable to the vast majority of the grass roots of his own party. The next best thing to being President is controlling a President. Nelson Rockefeller and Richard Nixon are supposed to be bitter political competitors. In a sense they are, but that still does not preclude Rockefeller from asserting dominion over Mr. Nixon. When Mr. Nixon and Mr. Rockefeller competed for the Republican nomination in 1968, Rockefeller naturally would have preferred to win the prize, but regardless of who won, he would control the highest office in the land. You will recall that right in the middle of drawing up the Republican platform in 1960, Mr. Nixon suddenly left Chicago and flew to New York to meet with Nelson Rockefeller in what Barry Goldwater described as the "Munich of the Republican Party." There was no political reason why Mr. Nixon needed to crawl to Mr. Rockefeller. He had the convention all sewed up. The Chicago Tribune cracked that it was like Grant surrendering to Lee. In The Making of the President, 1960, Theodore White noted that Nixon accepted all the Rockefeller terms for this meeting, including provisions "that Nixon telephone Rockefeller personally with his request for a meeting; that they meet at the Rockefeller apartment…that their meeting be secret and later be announced in a press release from the Governor, not Nixon; that the meeting be clearly announced as taking place at the Vice President's request; that the statement of policy issuing from it be long, detailed, inclusive, not a summary communiqué." The meeting produced the infamous "Compact of Fifth Avenue" in which the Republican Platform was scrapped and replaced by Rockefeller's socialist plans. The Wall Street Journal of July 25, 1960, commented: "…a little band of conservatives within the party…are shoved to the sidelines… [T]he fourteen points are very liberal indeed; they comprise a platform akin in many ways to the Democratic platform and they are a far cry from the things that conservative men think the Republican Party ought to stand for…" As Theodore White put it: "Never had the quadrennial liberal swoop of the regulars been more nakedly dramatized than by the open compact of Fifth Avenue. Whatever honor they might have been able to carry from their services on the platform committee had been wiped out. A single night's meeting of the two men in a millionaire's triplex apartment in Babylon-by-the-Hudson, eight hundred and thirty miles away, was about to overrule them; they were exposed as clowns for all the world to see." The whole story behind what happened in Rockefeller's apartment will doubtless never be known. We can only make an educated guess in light of subsequent events. But it is obvious that since that time Mr. Nixon has been in the Rockefeller orbit.

It is important to remember that being a big company executive is very different from being a small company executive. Big company executives are driven by interruptions while startup executives know that nothing happens unless they make it happen. If you hire the wrong match for your company, two dangerous results can occur. If there is a rhythm mismatch, your executive will wait for something to happen, and your employees will wonder what he or she does all day.

Buddhism, which does not center on a god, but rather on a human who said suffering arises from craving.

The concept of “too much and unnecessary” could also apply to the length of our prayers. A closing prayer in a Church meeting need not include a summary of each message and should not become an unscheduled sermon. Private prayers can be as long as we want, but public prayers ought to be short supplications for the Spirit of the Lord to be with us or brief declarations of gratitude for what has transpired.

Henry David Thoreau wrote that the efficient worker does not fill his day with work, but goes about it with ease and a wide margin for relaxation. Being busy or having a full calendar is only a cover-up of productivity. It is a sign of misaligned priorities.

Section One Summary Here’s what you should take away from this section about on-page optimization:         On-page optimization is what you do on your website to influence SERPs on Google.         Doing proper keyword research is the first step to a successful SEO campaign.         Having proper meta tags is essential. Always include your keyword phrase(s) in your meta tags.         The proper meta tags include your title tag, description tag, keywords tag, and robots tag.         Choose your URL carefully. Your URL doesn’t have to have your keyword included but it helps when other sites link to your site. Avoid exact match domains.         How you format your page is important for optimization purposes.         Make sure you design your web pages so Google is forced to read your on-page content first.         Verify that your code is W3C compliant.         Don’t forget to include your keyword phrase(s) in , , and header tags. This signifies the importance of your content to Google.         Label each graphic with an alt tag that includes your keyword phrase.         Place your keyword(s) in the first twenty-five words on your web page and the last twenty-five words on your web page.         Eliminate Flash if it’s the main presentation of your website. Google does not view this favorably.         If you’re going to use JavaScript to enhance the overall visitor experience of your website, place the code in an external file.         Include a sitemap that’s easily accessible by Google. Submit an XML version of your sitemap through Google Webmaster Tools.          Never underestimate the power of internal linking. A good internal linking structure can improve your SERPs.          Keyword development is one of the most important on-page optimization strategies.          Research keywords and competing websites to select ideal keywords.          Research the strength of competing websites before selecting your final keywords using Google PR and authority (ex: number of inbound links).          Page load speed is a significant factor in Google rankings. Ensure that your home page loads more quickly than those of competing

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Working with a product backlog does not mean that the Scrum team cannot create other helpful artifacts, including a summary of the various user roles, user story sequences to model workflows, diagrams to illustrate business rules, spreadsheets to capture complex calculations, user interface sketches, storyboards, user interface navigation diagrams, and user interface prototypes. These artifacts do not replace the product backlog but instead should elaborate and explain its content. And keep things simple. Only use artifacts that help the Scrum team move closer to a shippable product.

My goal is not to contradict conventional answer "X" by replacing it with unconventional answer "Y." My goal is to think about the present in the same way we think about the past, wholly aware that such mass consideration can't happen until we reach a future that no longer includes us. And why do I want to do this? Because this is—or should be—why we invest time into thinking about anything that isn't essential or practical or imperative. The reason so many well-considered ideas appear laughable in retrospect is that people involuntarily assume that whatever we believe and prioritize now will continue to be believed and prioritized later, even though that almost never happens. It's a mistake that never stops being made. So while it's impossible to predict what will matter to future versions of ourselves, we can reasonably presume that whatever they elect to care about (in their own moment) will be equally temporary and ephemeral. Which doesn't necessarily provide us with any new answers, but does eliminate some of the wrong ones we typically fail to question.

By this clear and honest phrase, I understand Unamuno to mean that life is not, nor ever has been, a straight line forward. According to him, life is characterized much more by exception and disorder than by total or perfect order. Life, as the biblical tradition makes clear, is both loss and renewal, death and resurrection, chaos and healing at the same time; life seems to be a collision of opposites. Unamuno equates the notion of faith with trust in an underlying life force so strong that it even includes death. Faith also includes reason, but is a larger category than reason for Unamuno. Truth is not always about pragmatic problem solving and making things “work,” but about reconciling contradictions. Just because something might have some dire effects does not mean it is not true or even good. Just because something pleases people does not make it true either. Life is inherently tragic, and that is the truth that only faith, but not our seeming logic, can accept. This is my amateur and very partial summary of the thought of this great Spanish philosopher.

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A NONPARAMETRIC ALTERNATIVE A nonparametric alternative to one-way ANOVA is Kruskal-Wallis’ H test of one-way ANOVA. Instead of using the actual values of the variables, Kruskal-Wallis’ H test assigns ranks to the variables, as shown in Chapter 11. As a nonparametric method, Kruskal-Wallis’ H test does not assume normal populations, but the test does assume similarly shaped distributions for each group. This test is applied readily to our one-way ANOVA example, and the results are shown in Table 13.5. Table 13.5 Kruskal-Wallis’ H-Test of One-Way ANOVA Kruskal-Wallis’ H one-way ANOVA test shows that population is significantly associated with watershed loss (p = .013). This is one instance in which the general rule that nonparametric tests have higher levels of significance is not seen. Although Kruskal-Wallis’ H test does not report mean values of the dependent variable, the pattern of mean ranks is consistent with Figure 13.2. A limitation of this nonparametric test is that it does not provide post-hoc tests or analysis of homogeneous groups, nor are there nonparametric n-way ANOVA tests such as for the two-way ANOVA test described earlier. SUMMARY One-way ANOVA extends the t-test by allowing analysts to test whether two or more groups have different means of a continuous variable. The t-test is limited to only two groups. One-way ANOVA can be used, for example, when analysts want to know if the mean of a variable varies across regions, racial or ethnic groups, population or employee categories, or another grouping with multiple categories. ANOVA is family of statistical techniques, and one-way ANOVA is the most basic of these methods. ANOVA is a parametric test that makes the following assumptions: The dependent variable is continuous. The independent variable is ordinal or nominal. The groups have equal variances. The variable is normally distributed in each of the groups. Relative to the t-test, ANOVA requires more attention to the assumptions of normality and homogeneity. ANOVA is not robust for the presence of outliers, and it appears to be less robust than the t-test for deviations from normality. Variable transformations and the removal of outliers are to be expected when using ANOVA. ANOVA also includes three other types of tests of interest: post-hoc tests of mean differences among categories, tests of homogeneous subsets, and tests for the linearity of mean differences across categories. Two-way ANOVA addresses the effect of two independent variables on a continuous dependent variable. When using two-way ANOVA, the analyst is able to distinguish main effects from interaction effects. Kruskal-Wallis’ H test is a nonparametric alternative to one-way ANOVA. KEY TERMS   Analysis of variance (ANOVA) ANOVA assumptions Covariates Factors Global F-test Homogeneous subsets Interaction effect Kruskal-Wallis’ H test of one-way ANOVA Main effect One-way ANOVA Post-hoc test Two-way ANOVA Notes   1. The between-group variance is

Gary Taubes, Why We Get Fat: And What to Do About It (New York: Anchor Books, 2010). For an expanded discussion of Taubes’s arguments, see Good Calories, Bad Calories: Fats, Carbs, and the Controversial Science of Diet and Health (New York: Anchor Books, 2008). It includes a helpful summary of Taubes’s conclusions (p. 454): 1. Dietary fat, whether saturated or not, is not a cause of obesity, heart disease, or any other chronic disease of civilization. 2. The problem is the carbohydrates in the diet, their effect on insulin secretion, and thus the hormonal regulation of homeostasis—the entire harmonic ensemble of the human body. The more easily digestible and refined the carbohydrates, the greater the effect on our health, weight, and well-being. 3. Sugars—sucrose and high-fructose corn syrup, specifically—are particularly harmful, probably because the combination of fructose and glucose simultaneously elevates insulin levels while overloading the liver with carbohydrates. 4. Through their direct effect on insulin and blood sugar, refined carbohydrates, starches, and sugars are the dietary cause of coronary heart disease and diabetes. They are the most likely dietary causes of cancer, Alzheimer’s disease, and the other chronic diseases of civilization. 5. Obesity is a disorder of excess fat accumulation, not overeating, and not sedentary behavior. 6. Consuming excess calories does not cause us to grow fatter, any more than it causes a child to grow taller. Expending more energy than we consume does not lead to long-term weight loss; it leads to hunger. 7. Fattening and obesity are caused by an imbalance—a disequilibrium—in the hormonal regulation of adipose tissue and fat metabolism. Fat synthesis and storage exceed the mobilization of fat from the adipose tissue and its subsequent oxidation. We become leaner when the hormonal regulation of the fat tissue reverses this balance. 8. Insulin is the primary regulator of fat storage. When insulin levels are elevated—either chronically or after a meal—we accumulate fat in our fat tissue. When insulin levels fall, we release fat from our fat tissue and use it for fuel. 9. By stimulating insulin secretion, carbohydrates make us fat and ultimately cause obesity. The fewer carbohydrates we consume, the leaner we will be. 10. By driving fat accumulation, carbohydrates also increase hunger and decrease the amount of energy we expend in metabolism and physical activity. For a fascinating discussion of the role of fat in a healthy diet, see also Nina Teicholz, The Big Fat Surprise: Why Butter, Meat and Cheese Belong in a Healthy Diet (New York: Simon & Schuster, 2014).

to the measures described earlier. Hence, 90 percent of the variation in one variable can be explained by the other. For the variables given earlier, the Spearman’s rank correlation coefficient is .274 (p < .01), which is comparable to r reported in preceding sections. Box 14.1 illustrates another use of the statistics described in this chapter, in a study of the relationship between crime and poverty. SUMMARY When analysts examine relationships between two continuous variables, they can use simple regression or the Pearson’s correlation coefficient. Both measures show (1) the statistical significance of the relationship, (2) the direction of the relationship (that is, whether it is positive or negative), and (3) the strength of the relationship. Simple regression assumes a causal and linear relationship between the continuous variables. The statistical significance and direction of the slope coefficient is used to assess the statistical significance and direction of the relationship. The coefficient of determination, R2, is used to assess the strength of relationships; R2 is interpreted as the percent variation explained. Regression is a foundation for studying relationships involving three or more variables, such as control variables. The Pearson’s correlation coefficient does not assume causality between two continuous variables. A nonparametric alternative to testing the relationship between two continuous variables is the Spearman’s rank correlation coefficient, which examines correlation among the ranks of the data rather than among the values themselves. As such, this measure can also be used to study relationships in which one or both variables are ordinal. KEY TERMS   Coefficient of determination, R2 Error term Observed value of y Pearson’s correlation coefficient, r Predicted value of the dependent variable y, ŷ Regression coefficient Regression line Scatterplot Simple regression assumptions Spearman’s rank correlation coefficient Standard error of the estimate Test of significance of the regression coefficient Notes   1. See Chapter 3 for a definition of continuous variables. Although the distinction between ordinal and continuous is theoretical (namely, whether or not the distance between categories can be measured), in practice ordinal-level variables with seven or more categories (including Likert variables) are sometimes analyzed using statistics appropriate for interval-level variables. This practice has many critics because it violates an assumption of regression (interval data), but it is often

Peer Reviews Many accountants are asking whether preparation of financial statement engagements trigger a peer review requirement. Here are three questions and answers to help clarify whether your CPA firm is subject to peer review. Question 1 Are public accounting firms required to participate in a peer review program if they only issue financial statements using the preparation guidance in SSARS 21? Based on the AICPA’s rules, the answer is no. But check with your state board of accountancy. Some states require participation in a peer review program even if the AICPA does not. Question 2 If my firm participates in a peer review program, will the financial statement work performed under the preparation guidance be subject to potential review? Yes, the financial statements prepared using the preparation guidance will be included in the scope of the peer review. Question 3 Will compilations be included in peer reviews? Yes. When a peer review is performed, compilations will be included in the scope of the engagement. The issuance of a compilation report does trigger the requirement for a peer review. AICPA Guidance The February 2015 Peer Review Update, a monthly AICPA newsletter, included the following: “On November 18, 2014, the Peer Review Board (PRB) issued an exposure draft, which proposed that firms that only perform preparation engagements under AR-C Section 70 – Preparation of Financial Statements (issued as part of Statement on Standards for Accounting and Review Services (SSARS) No. 21, Statement on Standards for Accounting and Review Services: Clarification and Recodification) would not be required to enroll in the AICPA peer review program (Program). However, it also proposed that a firm’s preparation engagements would be included in the scope of a peer review when the firm either elects to enroll in the program (e.g., to comply with licensing or other requirements) or is already enrolled due to other engagements it performs. This proposal was issued in order to address the effect of these engagements on the scope of the Program. The PRB considered comments raised by the peer review community about the proposal and elected to adopt the proposed guidance changes. The changes are effective for peer reviews commencing on or after February 1, 2015.” Tracking Preparation of Financial Statement Engagements Since the preparation service will be included in the scope of peer reviews, consider that firms enrolled in a peer review program need to track the number of preparation services provided. Otherwise, the peer reviewer will not be able to determine the firm’s mix of work; the peer reviewer uses the total population of a firm’s work to select the sample of engagements to be reviewed. Create a method to track financial statement engagements performed under the preparation standard as early as possible. Peer reviews commencing on or after February 1, 2015, are to include preparation engagements. Given the nature of the preparation service—one that gets turned around quickly—it would be easy for a firm to lose track of how many financial statements were issued using this option. Peer Reviews - A Simple Summary •According to AICPA rules, firms that only perform preparation of financial statement services are not required to enroll in the AICPA peer review program (check with your state board of accountancy to see if their rules are different) •For accounting firms subject to peer review, preparation engagements will be included in the scope of peer reviews •Set up a method to track your preparation engagements; peer reviewers need to know how many preparation engagements your firm issues

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