Earning Money Is Not Important Quotes

In spite of the deep-seated craving for love, almost everything else is considered to be more important than love: success, prestige, money, power-almost all our energy is used for the learning of how to achieve these aims, and almost none to learn the art of loving. Could it be that only those things are considered worthy of being learned with which one can earn money or prestige, and that love, which "only" profits the soul, but is profitless in the modern sense, is a luxury we have no right to spend energy on?

The young all have the same dream: to save the world. Some quickly forget this dream, convinced that there are more important things to do, like having a family, earning money, traveling, and learning a foreign language. Others, though, decide that it really is possible to make a difference in society and to shape the world we will hand on to future generations.

It's important to undermine yourself and create a level of difficulty so the work doesn't come too easily. The more comfortable you get, the more money you earn, the more successful you are, the harder it is to create situations where you have to prove yourself and make yourself not just want it, but need it. The stakes should always feel high.

Most employees don’t really want to be highly-paid; they just want to earn more than their peers, and, more importantly, more than their neighbours.

JOE HELLER True story, Word of Honor: Joseph Heller, an important and funny writer now dead, and I were at a party given by a billionaire on Shelter Island. I said, “Joe, how does it make you feel to know that our host only yesterday may have made more money than your novel ‘Catch-22’ has earned in its entire history?” And Joe said, “I’ve got something he can never have.” And I said, “What on earth could that be, Joe?” And Joe said, “The knowledge that I’ve got enough.” Not bad! Rest in peace!

Money might give people all the control and power in the world they can buy, but it doesn’t give them what’s most important. Designer dresses doesn’t give a woman beauty if she’s not amazing in her heart. Diamonds won’t give her dignity if she has no good in her soul. Education doesn’t make a man worthy. A last name won’t garner someone respect unless they can work for it. Those are things we earn by being who we are. You are wonderful.

And… winners earn a lot of money, which is also important, I assume? What do you do with yours?” “I buy distance from other people.” The psychologist had never heard that response before. “How do you mean?” “Expensive restaurants have bigger gaps between the tables. First class on airplanes has no middle seats. Exclusive hotels have separate entrances for guests staying in suites. The most expensive thing you can buy in the most densely populated places on the planet is distance.

Moderately fast growers (20 to 25 percent) in nongrowth industries are ideal investments. • Look for companies with niches. • When purchasing depressed stocks in troubled companies, seek out the ones with the superior financial positions and avoid the ones with loads of bank debt. • Companies that have no debt can’t go bankrupt. • Managerial ability may be important, but it’s quite difficult to assess. Base your purchases on the company’s prospects, not on the president’s resume or speaking ability. • A lot of money can be made when a troubled company turns around. • Carefully consider the price-earnings ratio. If the stock is grossly overpriced, even if everything else goes right, you won’t make any money. • Find a story line to follow as a way of monitoring a company’s progress. • Look for companies that consistently buy back their own shares.

Karl Pillemer interviewed a thousand elderly Americans looking for the most important lessons they learned from decades of life experience. He wrote: No one—not a single person out of a thousand—said that to be happy you should try to work as hard as you can to make money to buy the things you want. No one—not a single person—said it’s important to be at least as wealthy as the people around you, and if you have more than they do it’s real success. No one—not a single person—said you should choose your work based on your desired future earning power.

In a world pulsating with so much information, the only information that you need is the stuff that will lead you straight to your own soul. Think of this: Most of the information that is fed to you, is motivated by the desire to earn money. Forget what the magazines say, what the forums say, what all the experts say. Your soul does not need to be spoon-fed with stuff it doesn't need. Your soul needs to be seen and found, and what leads you to that, is the only information that you need.

People who choose to earn money first, people who put off their real plans until later, until they are rich, are not necessarily wrong. People who want only to live, and who reckon living is absolute freedom, the exclusive pursuit of happiness, the sole satisfaction of their desires and instincts, the immediate enjoyment of the boundless riches of the world [...] such people will always be unhappy. It is true [...] that there are people for whom this kind of dilemma does not arise, or hardly arises, either because they are too poor and have no requirements beyond a slightly better diet, slightly better housing, slightly less work, or because they are too rich, from the start, to understand the import or even the meaning of such a distinction. But nowadays and in our part of the world, more and more people are neither rich nor poor: they dream of wealth, and could become wealthy; and that is where their misfortunes begin." -from "Things: A Story of the Sixties

Most people do not mind having a house that is smaller and/or a car that is cheaper than their neighbours’, as long as they each earn and have more money than their neighbours, and, equally important, their neighbours know that.

And he needs me here — I’m the only one who can cook.” “That’s hardly very important when we’ve nothing to cook,” said Rose. “Could I earn money as a model?” “I’m afraid not,” said Topaz. “Your figure’s too pretty — there isn’t enough drawing in your bones. And you’d never have the patience to sit still. I suppose if nothing turns up I’ll have to go to London. I could send about ten shillings a week home.

Are you for peace? The great test of your devotion to peace is not how many words you utter on its behalf. It’s not even how you propose to deal with people of other countries, though that certainly tells us something. To fully measure your “peacefulness” requires that we examine how you propose to treat people in your own backyard. Do you demand more of what doesn’t belong to you? Do you endorse the use of force to punish people for victimless “crimes”? Do you support politicians who promise to seize the earnings of others to pay for your bailout, your subsidy, your student loan, your child’s education or whatever pet cause or project you think is more important than what your fellow citizens might personally prefer to spend their own money on? Do you believe theft is OK if it’s for a good cause or endorsed by a majority? If you answered yes to any of these questions, then have the courage to admit that peace is not your priority. How can I trust your foreign policy if your domestic policy requires so much to be done at gunpoint?

I am the most important person to me. I am the most important person in the entire universe to me. I am the centre of my own universe.

Your freedom is more important than money. It is better to live the kind of life you want than to earn more and be constrained. Don’t sell your freedom.

In his book 30 Lessons for Living, gerontologist Karl Pillemer interviewed a thousand elderly Americans looking for the most important lessons they learned from decades of life experience. He wrote: No one—not a single person out of a thousand—said that to be happy you should try to work as hard as you can to make money to buy the things you want. No one—not a single person—said it’s important to be at least as wealthy as the people around you, and if you have more than they do it’s real success. No one—not a single person—said you should choose your work based on your desired future earning power.

I don't really know why it matters so much. Ian could be better at talking than me, or cooking, or working, or housework, or saving money, or earning money, or spending money, or understanding books or films; he could be nicer than me, better-looking, more intelligent, cleaner, more generous-spirited, more helpful, a better human being in any way you care to mention...and I wouldn't really mind. Really. I accept and understand that you can't be good at everything, and I am tragically unskilled in some very important areas. But sex is different; knowing that a successor is better in bed is impossible to take, and I don't know why.

Neoliberalism insists that if we work hard enough, we can earn as much money as anyone else. Of course, the concept of meritocracy is integral to neoliberalism and erases the reality of capital itself, that capitalism is not just material capital but also, importantly, social and cultural capital. Without these forms of capital, (p. 77) one cannot, in fact, “succeed” in a capitalist culture. One obvious example is the art world, where one can only have their work shown in a gallery if they have connections to that gallery (galleries do not, for the most part, accept unsolicited submissions). All the cash in the world can’t create the generations of social connections of a middle-class family, whose circle might include art collectors, gallerists, critics, and artists. It is also the values and unspoken rules of the ruling class that distinguish who is allowed in and who is not.

The government can create money. So, what’s the point of taxes? Why does the government need to take my money in taxes?18 I told the folks at Planet Money that MMT recognizes at least four important reasons for taxation.19 We’ve already touched on the first. Taxes enable governments to provision themselves without the use of explicit force. If the British government stopped requiring its people to settle their tax obligations using British pounds, it would rather quickly undermine its provisioning powers. Fewer people would need to earn pounds, and the government would have a harder time finding teachers, nurses, and so on who were willing to work and produce things in exchange for its currency.

friendship nostalgia i miss the days when my friends knew every mundane detail about my life and i knew every ordinary detail about theirs adulthood has starved me of that consistency​ ​that us those walks around the block those long conversations when we were too lost in the moment to care what time it was when we won-and celebrated when we failed and celebrated even harder when we were just kids now we have our very important jobs that fill up our very busy schedules we have to compare calendars just to plan coffee dates that one of us will eventually cancel because adulthood is being too exhausted to leave our apartments most days i miss belonging to a group of people bigger than myself it was that belonging that made life easier to live how come no one warned us about how we'd graduate and grow apart after everything we'd been through how come no one said one of life's biggest challenges would be trying to stay connected to the people that make us feel alive no one talks about the hole a friend can leave inside you when they go off to make their dreams come true in college we used to stay up till 4 in the morning dreaming of what we'd do the moment we started earning real paychecks now we finally have the money to cross everything off our bucket lists but those lists are collecting dust in some lost corridor of our minds sometimes when i get lonely ​i​ still search for them i'd give anything to go back and do the foolish things we used to do i feel the most present in your presence when we're laughing so hard the past slides off our shoulders and worries of the future slip away the truth is​ ​i couldn't survive without my friends they know exactly what i need before i even know that i need the way we hold each other is just different so forget grabbing coffee i don't want to have another dinner where we sit across from each other at a table reminiscing about old times when we have so much time left to make new memories with how about you go pack your bags and i'll pack mine you take a week off work i'll grab my keys and let's go for ride we've got years of catching up to do

When you borrow a lot of money to create a false prosperity, you import the future into the present. It isn’t the actual future so much as some grotesque silicone version of it. Leverage buys you a glimpse of a prosperity you haven’t really earned.

She did not think of money, because she had never known what it was not to have all she needed, but she was instinctively aware of its importance. It meant power, influence, and social consequence. It was the natural and obvious thing that a man should earn it. That was his plain life's work.

Being independently wealthy is every bit as much about limiting needs as it is about how much money you have. It has less to do with how much you earn—high-income earners often go broke while low-income earners get there—than what you value. Money can buy many things, none of which is more important than your financial independence. Here’s

company and for similar companies in the same industry. • The percentage of institutional ownership. The lower the better. • Whether insiders are buying and whether the company itself is buying back its own shares. Both are positive signs. • The record of earnings growth to date and whether the earnings are sporadic or consistent. (The only category where earnings may not be important is in the asset play.) • Whether the company has a strong balance sheet or a weak balance sheet (debt-to-equity ratio) and how it’s rated for financial strength. • The cash position. With $16 in net cash, I know Ford is unlikely to drop below $16 a share. That’s the floor on the stock. SLOW GROWERS • Since you buy these for the dividends (why else would

Life in New Orleans is all about making the present--this moment, right now--as pleasant as possible. So New Orleanians, by and large, aren't tortured by the frenzy to achieve, acquire, and manage the unmanageable future. Their days are built around the things that other Americans have pushed out of their lives by incessant work: art, music, elaborate cooking, and--most of all--plenty of relaxed time with family and friends. Their jobs are really just the things they do to earn a little money; they're not the organiing principle of life. While this isn't a worldview particularly conducive to getting things done, getting things done isn't the most important thing in New Orleans. Living life is. Once you've tasted that, and especially if it's how you grew up, life everywhere else feels thin indeed.

A more recent concern relates to “financialization” and associated short-termism. Financialization is the growing importance of norms, metrics, and incentives from the financial sector to the wider economy. Some of the concerns expressed are that, for example, managers are increasingly awarded stock options to align their incentives with those of shareholders; companies are often explicitly managed to increase short-term shareholder value; and financial engineering, such as share buybacks and earnings management, has become a more important part of senior managers’ jobs. The end result is that rather than finance serving business, business serves finance: the tail wags the dog. What John Kay described as “obliquity,” the idea that making money was a consequence of, or a second-order benefit of, serving one’s customers and building good businesses, is driven out (Kay 2010).

Luxury beliefs’ are the latest status symbol for rich Americans” by Rob Henderson New York Post, August 3, 2022 In the past, upper-class Americans used to display their social status with luxury goods. Today, they do it with luxury beliefs. People care a lot about social status. In fact, research indicates that respect and admiration from our peers are even more important than money for our sense of well-being. ...as trendy clothes and other products become more accessible and affordable, there is increasingly less status attached to luxury goods. The upper classes have found a clever solution to this problem: luxury beliefs. These are ideas and opinions that confer status on the rich at very little cost, while taking a toll on the lower class. ‘Upper-class people don a luxury belief to separate themselves from the lower class’ ... White privilege is the luxury belief that took me the longest to understand, because I grew up around poor whites. Often members of the upper-class claim that racial disparities stem from inherent advantages held by whites. Yet Asian Americans are more educated, have higher earnings and live longer than whites. Affluent whites are the most enthusiastic about the idea of white privilege, yet they are the least likely to incur any costs for promoting that belief. Rather, they raise their social standing by talking about their privilege. In other words, upper-class whites gain status by talking about their high status. When laws are enacted to combat white privilege, it won’t be the privileged whites who are harmed. Poor whites will bear the brunt. ... like with diamond rings or designer clothes of old, upper-class people don a luxury belief to separate themselves from the lower class. These beliefs, in turn, produce real, tangible consequences for disadvantaged people, further widening the divide.

Fifteen years ago, a business manager from the United States came to Plum Village to visit me. His conscience was troubled because he was the head of a firm that designed atomic bombs. I listened as he expressed his concerns. I knew if I advised him to quit his job, another person would only replace him. If he were to quit, he might help himself, but he would not help his company, society, or country. I urged him to remain the director of his firm, to bring mindfulness into his daily work, and to use his position to communicate his concerns and doubts about the production of atomic bombs. In the Sutra on Happiness, the Buddha says it is great fortune to have an occupation that allows us to be happy, to help others, and to generate compassion and understanding in this world. Those in the helping professions have occupations that give them this wonderful opportunity. Yet many social workers, physicians, and therapists work in a way that does not cultivate their compassion, instead doing their job only to earn money. If the bomb designer practises and does his work with mindfulness, his job can still nourish his compassion and in some way allow him to help others. He can still influence his government and fellow citizens by bringing greater awareness to the situation. He can give the whole nation an opportunity to question the necessity of bomb production. Many people who are wealthy, powerful, and important in business, politics, and entertainment are not happy. They are seeking empty things - wealth, fame, power, sex - and in the process they are destroying themselves and those around them. In Plum Village, we have organised retreats for businesspeople. We see that they have many problems and suffer just as others do, sometimes even more. We see that their wealth allows them to live in comfortable conditions, yet they still suffer a great deal. Some businesspeople, even those who have persuaded themselves that their work is very important, feel empty in their occupation. They provide employment to many people in their factories, newspapers, insurance firms, and supermarket chains, yet their financial success is an empty happiness because it is not motivated by understanding or compassion. Caught up in their small world of profit and loss, they are unaware of the suffering and poverty in the world. When we are not int ouch with this larger reality, we will lack the compassion we need to nourish and guide us to happiness. Once you begin to realise your interconnectedness with others, your interbeing, you begin to see how your actions affect you and all other life. You begin to question your way of living, to look with new eyes at the quality of your relationships and the way you work. You begin to see, 'I have to earn a living, yes, but I want to earn a living mindfully. I want to try to select a vocation not harmful to others and to the natural world, one that does not misuse resources.' Entire companies can also adopt this way of thinking. Companies have the right to pursue economic growth, but not at the expense of other life. They should respect the life and integrity of people, animals, plants and minerals. Do not invest your time or money in companies that deprive others of their lives, that operate in a way that exploits people or animals, and destroys nature. Businesspeople who visit Plum Village often find that getting in touch with the suffering of others and cultivating understanding brings them happiness. They practise like Anathapindika, a successful businessman who lived at the time of the Buddha, who with the practise of mindfulness throughout his life did everything he could to help the poor and sick people in his homeland.

I believe many of us now live as if we value things more than people. In America, we spend more time than ever at work, and we earn more money than any generation in history, but we spend less and less time with our loved ones as a result. Likewise, many of us barely think twice about severing close ties with friends and family to move halfway across the country in pursuit of career advancement. We buy exorbitant houses—the square footage of the average American home has more than doubled in the past generation—but increasingly we use them only to retreat from the world. And even within the home-as-refuge, sealed off from the broader community “out there,” each member of the household can often be found sitting alone in front of his or her own private screen—exchanging time with loved ones for time with a bright, shiny object instead. Now, I’m not saying that any of us—if asked—would claim to value things more than people. Nor would we say that our loved ones aren’t important to us. Of course they are. But many people now live as if achievement, career advancement, money, material possessions, entertainment, and status matter more. Unfortunately, such things don’t confer lasting happiness, nor do they protect us from depression. Loved ones do.

How can I further encourage you to go about the business of life? Young women, I would say, and please attend, for the peroration is beginning, you are, in my opinion, disgracefully ignorant. You have never made a discovery of any sort of importance. You have never shaken an empire or led an army into battle. The plays of Shakespeare are not by you, and you have never introduced a barbarous race to the blessings of civilization. What is your excuse? It is all very blessings of civilisation. What is you excuse? it is all very well for you to say, pointing to the streets and squares and forests of the globe swarming with black and white and coffee-coloured inhabitants, all busily engaged in traffic and enterprise and love-making, we have had other work on our hands. Without our doing, those seas would be unsailed and those fertile lands a desert. We have borne and bred and washed and taught, perhaps to the age of six or seven years, the one thousand six hundred and twenty-three million human beings who are, according to statistics, at present in existence, and that, allowing that some had help, takes time. There is truth in what you say—I will not deny it. But at the same time may I remind you that there have been at least two colleges for women in existence in England since the year 1886; that after the year 1880 a married woman was allowed by the law to possess her own property; and that in 1919—which is a whole nine years ago—she was given a vote? May I also remind you that most of the professions have been open to you for close to ten years now? When you reflect upon these immense privileges and the length of time during which they have been enjoyed, and the fact that there must be at this moment some two thousand women capable of earning over five hundred a year in one way or another, you will agree that the excuse of lack of opportunity, training, encouragement, leisure and money no longer holds good. Moreover, the economists are telling us that Mrs. Seton has had too many children. You must, of course, go on bearing children, but, so they say, in twos and threes, not in tens and twelves. Thus, with some time on your hands and with some book learning in your brains—you have had enough of the other kind, and are sent to college partly, I suspect, to be uneducated—surely you should embark upon another stage of your very long, very laborious and highly obscure career. A thousand pens are ready to suggest what you should do and what effect you will have. My own suggestion is a little fantastic, I admit; I prefer, therefore, to put it in the form of fiction.

That’s why one of my strongest ideas is to look at the tax code in both its complexity and its obvious bias toward the rich. Hedge fund and money managers are important for our pension funds and the 401(k) plans that help millions of Americans—but far less important than they think. But financial advisers should pay taxes at the highest levels when they’re earning money at those levels. Often, these financial engineers are “flipping” companies, laying people off, and making billions—yes, billions—of dollars by “downsizing” and destroying people’s lives and sometimes entire companies. Believe me, I know the value of a billion dollars—but I also know the importance of a single dollar.

It's very important for me to live my life the way I want and do everything I love. People can judge me however they like. They may judge how poor I am. Living in a dilapidated house, without furniture, without a vehicle, with nothing of value in it. However, I live my life and feel fulfilled. I am grateful and happy without having to stretch out my hands to ask for or hang my life from the help of others. I do not live off the prestige and views of others. They are not the ones who feed me, but the work I carry out as a path of happiness. I never mortgaged my life to become a prostitute working for a living and earning money. A prostitute who has no choice but to swallow her pride in order to please others. I don't live that way, and I don't want to die that way.

A wealth of research confirms the importance of face-to-face contact. One experiment performed by two researchers at the University of Michigan challenged groups of six students to play a game in which everyone could earn money by cooperating. One set of groups met for ten minutes face-to-face to discuss strategy before playing. Another set of groups had thirty minutes for electronic interaction. The groups that met in person cooperated well and earned more money. The groups that had only connected electronically fell apart, as members put their personal gains ahead of the group’s needs. This finding resonates well with many other experiments, which have shown that face-to-face contact leads to more trust, generosity, and cooperation than any other sort of interaction. The very first experiment in social psychology was conducted by a University of Indiana psychologist who was also an avid bicyclist. He noted that “racing men” believe that “the value of a pace,” or competitor, shaves twenty to thirty seconds off the time of a mile. To rigorously test the value of human proximity, he got forty children to compete at spinning fishing reels to pull a cable. In all cases, the kids were supposed to go as fast as they could, but most of them, especially the slower ones, were much quicker when they were paired with another child. Modern statistical evidence finds that young professionals today work longer hours if they live in a metropolitan area with plenty of competitors in their own occupational niche. Supermarket checkouts provide a particularly striking example of the power of proximity. As anyone who has been to a grocery store knows, checkout clerks differ wildly in their speed and competence. In one major chain, clerks with differing abilities are more or less randomly shuffled across shifts, which enabled two economists to look at the impact of productive peers. It turns out that the productivity of average clerks rises substantially when there is a star clerk working on their shift, and those same average clerks get worse when their shift is filled with below-average clerks. Statistical evidence also suggests that electronic interactions and face-to-face interactions support one another; in the language of economics, they’re complements rather than substitutes. Telephone calls are disproportionately made among people who are geographically close, presumably because face-to-face relationships increase the demand for talking over the phone. And when countries become more urban, they engage in more electronic communications.

Freedom from Expectations I don’t measure my effectiveness at all. I don’t believe in self-measurement. I feel like this is a form of self-discipline, self-punishment, and self-conflict. [1] If you hurt other people because they have expectations of you, that’s their problem. If they have an agreement with you, it’s your problem. But, if they have an expectation of you, that’s completely their problem. It has nothing to do with you. They’re going to have lots of expectations out of life. The sooner you can dash their expectations, the better. [1] Courage isn’t charging into a machine gun nest. Courage is not caring what other people think. Anyone who has known me for a long time knows my defining characteristic is a combination of being very impatient and willful. I don’t like to wait. I hate wasting time. I’m very famous for being rude at parties, events, dinners, where the moment I figure out it’s a waste of my time, I leave immediately. Value your time. It is all you have. It’s more important than your money. It’s more important than your friends. It is more important than anything. Your time is all you have. Do not waste your time. This doesn’t mean you can’t relax. As long as you’re doing what you want, it’s not a waste of your time. But if you’re not spending your time doing what you want, and you’re not earning, and you’re not learning—what the heck are you doing? Don’t spend your time making other people happy. Other people being happy is their problem. It’s not your problem. If you are happy, it makes other people happy. If you’re happy, other people will ask you how you became happy and they might learn from it, but you are not responsible for making other people happy. [10]

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

Most people blindly accept the fact that gaining money is essential for survival, without questioning its nature. The truth is, our current monetary system is the reason that humanity is in such a devastating state, the reason that the world is so full of corruption. Our monetary system has been limiting the potential of human beings for centuries. Inventions that benefit humanity are hidden or destroyed because they are not profitable, or because they interfere with the business of corporations. The supreme goal of modern man is to obtain wealth, because he believes that material things will bring him happiness. He invests the majority of his time and energy into gaining money at any cost. The accumulation of wealth has contributed to man's greed and selfishness. Earning money is more important to him than being a good person, benefiting humanity, and even life itself.

Instead of simply working for the money and security, which I admit are important, I suggest they take a second job that will teach them a second skill. Often I recommend joining a network-marketing company, also called multilevel marketing, if they want to learn sales skills. Some of these companies have excellent training programs that help people get over their fear of failure and rejection, which are the main reasons people are unsuccessful. Education is more valuable than money, in the long run. When I offer this suggestion, I often hear in response, “Oh that is too much hassle,” or “I only want to do what I am interested in.” If they say, “It’s too much of a hassle,” I ask, “So you would rather work all your life giving 50 percent of what you earn to the government?” If they tell me, “I only do what I am interested in,” I say, “I’m not interested in going to the gym, but I go because I want to feel better and live longer.

OK, if you are like most people, your list of the most valuable things includes your spouse, children, friends, health, money, and of course, time. Highly successful people have a similar list—but they rank time as the most important item of all. Shouldn’t health be number one? You can be healthy, and then get sick, and then regain your health. How about money? You can lose all your money, and then you can make it all back. Friends? Friends are important, and yet, how many friends did you have back in college that you no longer keep in touch with? Or even people who were guests at your wedding, and that was the last day you ever saw them? Yes, friends are prized, yet we lose them and make new ones all the time. Yes, your spouse means the world to you. And 50 percent of married people get a divorce, and many divorced people get a new husband or wife that is suddenly the love of their life. But time… You can never lose time and get it back again. You can’t spend time and go earn more of it. You can’t buy it, rent it, or borrow it. Time

Because Assagioli understood the importance of being grounded in the world, he would treat the ‘whole’ person, initially using his training in psychoanalysis to locate hidden blocks in the personality. As we shall see in the chapter on Subpersonalities many of the blockages are developed in early childhood. This is not necessarily because parents are inherently bad but because they were emotionally handicapped in some way, performing their actions unconsciously as, perhaps, their own parents had done. Rather than blaming our ancestral lineage for being emotionally unaware, we need to remind ourselves that before the early 19th century there was very little opportunity to concentrate on psychological issues as the often physically onerous way of life did not leave room for this. The physical work of earning a living, putting bread on the table and caring for big families where there was little money available, took its toll on the body. Initially, it was only the wealthy and upper classes who had the money and time to explore the deeper issues of the unconscious.

Here are four more strategies to help you stack the deck in your favor when seeking a raise or a promotion: ✓ DO YOUR RESEARCH: Understand your market value and, more important, your value to the company. Be prepared to explain, candidly and concretely, what you feel you’re doing that you’re not being compensated for. Have confidence in your own worth. ✓ ASK TO BE PAID FOR THE JOB YOU’RE ACTUALLY DOING: If your responsibilities have increased but you haven’t been recognized since, say, you’ve taken over for the manager who left several months earlier, approach your new boss and say, “I’ve been effectively doing this person’s job since she departed and I’d like to formally assume her position.” Have a conversation. Express that you feel confident you can grow in this role and create value for the organization. ✓ PROVE YOUR WORTH: To earn an increase in salary, you need to be increasing your responsibilities and performing at a higher level than when you were hired. ✓ DON’T NEGOTIATE IF YOUR BOSS SAYS NO: Typically no means no when it comes to this type of discussion. If your boss says no, you have two choices: you either accept the rationale, think about it, and grow based on the feedback, or you leave. This is a good time to be reflective. Ask why you haven’t earned the increase. You may not walk away with a new title or more money, but hopefully you’ll learn something that will help you correct your course moving forward.

Ironically, the best litmus test for measuring your vagabonding gumption is found not in travel but in the process of earning your freedom to travel. Earning your freedom, of course, involves work—and work is intrinsic to vagabonding for psychic reasons as much as financial ones. To see the psychic importance of work, one need look no further than people who travel the world on family money. Sometimes referred to as “trustafarians,” these folks are among the most visible and least happy wanderers in the travel milieu. Draping themselves in local fashions, they flit from one exotic travel scene to another, compulsively volunteering in local political causes, experimenting with exotic intoxicants, and dabbling in every non-Western religion imaginable. Talk to them, and they’ll tell you they’re searching for something “meaningful.”   And they say in truth that a man is made of desire. As his desire is, so is his faith. As his faith is, so are his works. As his works are, so he becomes. —THE SUPREME TEACHING OF THE UPANISHADS   What they’re really looking for, however, is the reason why they started traveling in the first place. Because they never worked for their freedom, their travel experiences have no personal reference—no connection to the rest of their lives. They are spending plenty of time and money on the road, but they never spent enough of themselves to begin with. Thus, their experience of travel has a diminished sense of value.

Rejecting failure and avoiding mistakes seem like high-minded goals, but they are fundamentally misguided. Take something like the Golden Fleece Awards, which were established in 1975 to call attention to government-funded projects that were particularly egregious wastes of money. (Among the winners were things like an $84,000 study on love commissioned by the National Science Foundation, and a $3,000 Department of Defense study that examined whether people in the military should carry umbrellas.) While such scrutiny may have seemed like a good idea at the time, it had a chilling effect on research. No one wanted to “win” a Golden Fleece Award because, under the guise of avoiding waste, its organizers had inadvertently made it dangerous and embarrassing for everyone to make mistakes. The truth is, if you fund thousands of research projects every year, some will have obvious, measurable, positive impacts, and others will go nowhere. We aren’t very good at predicting the future—that’s a given—and yet the Golden Fleece Awards tacitly implied that researchers should know before they do their research whether or not the results of that research would have value. Failure was being used as a weapon, rather than as an agent of learning. And that had fallout: The fact that failing could earn you a very public flogging distorted the way researchers chose projects. The politics of failure, then, impeded our progress. There’s a quick way to determine if your company has embraced the negative definition of failure. Ask yourself what happens when an error is discovered. Do people shut down and turn inward, instead of coming together to untangle the causes of problems that might be avoided going forward? Is the question being asked: Whose fault was this? If so, your culture is one that vilifies failure. Failure is difficult enough without it being compounded by the search for a scapegoat. In a fear-based, failure-averse culture, people will consciously or unconsciously avoid risk. They will seek instead to repeat something safe that’s been good enough in the past. Their work will be derivative, not innovative. But if you can foster a positive understanding of failure, the opposite will happen. How, then, do you make failure into something people can face without fear? Part of the answer is simple: If we as leaders can talk about our mistakes and our part in them, then we make it safe for others. You don’t run from it or pretend it doesn’t exist. That is why I make a point of being open about our meltdowns inside Pixar, because I believe they teach us something important: Being open about problems is the first step toward learning from them. My goal is not to drive fear out completely, because fear is inevitable in high-stakes situations. What I want to do is loosen its grip on us. While we don’t want too many failures, we must think of the cost of failure as an investment in the future.

Some think that money and what it can buy will make them happy and so concentrate on earning it. But acquiring a better car, a nicer house, a better position, or more comfort will never satisfy them, for they are filled with the desire to have more. For example, some people have a passion for cars. It is very important that their car is a good make and the latest model; it has to have good engineering and a quality music system. They grow very emotionally attached to their auto and do not want it to have the slightest dent or scratch. But their satisfaction from driving a nice car does not last long. Soon a new model comes out, and theirs becomes an outdated model. It pains them to read that a faster car with more accessories and more advanced engineering is now on the market, and in an instant moment they lose all the pleasure they had in their once-coveted possession. Also, their wardrobe becomes a major problem for ignorant people. Some people want to follow the latest clothing fashions, even though they may not have enough money to do so. They buy an outfit that they like and find attractive, but stop liking it when it goes out of style or they see it on someone they do not like or, even worse, a rival. The outfit abruptly loses its appeal and becomes a source of irritation. In much the same way, seeing someone wearing nicer clothing than theirs makes them quite miserable. No matter how nice their own outfits are, they are worried that they are no more than ordinary, which makes then unhappy. Their habits, social activities, material means, or possessions will not make them happy, and their constant search for more will make them even more miserable. When they realize that they have really consumed and wasted all of this life’s pleasures, they generally get “angry at life.” Unwilling to solve their problems through belief, they remain mired in confusion and unhappiness. Therefore, in spite of all their efforts, they remain confused and unhappy. However, if they practiced religious morality, they would have a joy deeper than they could imagine.

Collateral Capacity or Net Worth? If young Bill Gates had knocked on your door asking you to invest $10,000 in his new company, Microsoft, could you get your hands on the money? Collateral capacity is access to capital. Your net worth is irrelevant if you can’t access any of the money. Collateral capacity is my favorite wealth concept. It’s almost like having a Golden Goose! Collateral can help a borrower secure loans. It gives the lender the assurance that if the borrower defaults on the loan, the lender can repossess the collateral. For example, car loans are secured by cars, and mortgages are secured by homes. Your collateral capacity helps you to avoid or minimize unnecessary wealth transfers where possible, and accumulate an increasing pool of capital providing accessibility, control and uninterrupted compounding. It is the amount of money that you can access through collateralizing a loan against your money, allowing your money to continue earning interest and working for you. It’s very important to understand that accessibility, control and uninterrupted compounding are the key components of collateral capacity. It’s one thing to look good on paper, but when times get tough, assets that you can’t touch or can’t convert easily to cash, will do you little good. Three things affect your collateral capacity: ① The first is contributions into savings and investment accounts that you can access. It would be wise to keep feeding your Golden Goose. Often the lure of higher return potential also brings with it lack of liquidity. Make sure you maintain a good balance between long-term accounts and accounts that provide immediate liquidity and access. ② Second is the growth on the money from interest earned on the money you have in your account. Some assets earn compound interest and grow every year. Others either appreciate or depreciate. Some accounts could be worth a great deal but you have to sell or close them to access the money. That would be like killing your Golden Goose. Having access to money to make it through downtimes is an important factor in sustaining long-term growth. ③ Third is the reduction of any liens you may have against these accounts. As you pay off liens against your collateral positions, your collateral capacity will increase allowing you to access more capital in the future. The goose never quit laying golden eggs – uninterrupted compounding. Years ago, shortly after starting my first business, I laughed at a banker that told me I needed at least $25,000 in my business account in order to borrow $10,000. My business owner friends thought that was ridiculously funny too. We didn’t understand collateral capacity and quite a few other things about money.

Anna Chapman was born Anna Vasil’yevna Kushchyenko, in Volgograd, formally Stalingrad, Russia, an important Russian industrial city. During the Battle of Stalingrad in World War II, the city became famous for its resistance against the German Army. As a matter of personal history, I had an uncle, by marriage that was killed in this battle. Many historians consider the battle of Stalingrad the largest and bloodiest battle in the history of warfare. Anna earned her master's degree in economics in Moscow. Her father at the time was employed by the Soviet embassy in Nairobi, Kenya, where he allegedly was a senior KGB agent. After her marriage to Alex Chapman, Anna became a British subject and held a British passport. For a time Alex and Anna lived in London where among other places, she worked for Barclays Bank. In 2009 Anna Chapman left her husband and London, and moved to New York City, living at 20 Exchange Place, in the Wall Street area of downtown Manhattan. In 2009, after a slow start, she enlarged her real-estate business, having as many as 50 employees. Chapman, using her real name worked in the Russian “Illegals Program,” a group of sleeper agents, when an undercover FBI agent, in a New York coffee shop, offered to get her a fake passport, which she accepted. On her father’s advice she handed the passport over to the NYPD, however it still led to her arrest. Ten Russian agents including Anna Chapman were arrested, after having been observed for years, on charges which included money laundering and suspicion of spying for Russia. This led to the largest prisoner swap between the United States and Russia since 1986. On July 8, 2010 the swap was completed at the Vienna International Airport. Five days later the British Home Office revoked Anna’s citizenship preventing her return to England. In December of 2010 Anna Chapman reappeared when she was appointed to the public council of the Young Guard of United Russia, where she was involved in the education of young people. The following month Chapman began hosting a weekly TV show in Russia called Secrets of the World and in June of 2011 she was appointed as editor of Venture Business News magazine. In 2012, the FBI released information that Anna Chapman attempted to snare a senior member of President Barack Obama's cabinet, in what was termed a “Honey Trap.” After the 2008 financial meltdown, sources suggest that Anna may have targeted the dapper Peter Orzag, who was divorced in 2006 and served as Special Assistant to the President, for Economic Policy. Between 2007 and 2010 he was involved in the drafting of the federal budget for the Obama Administration and may have been an appealing target to the FSB, the Russian Intelligence Agency. During Orzag’s time as a federal employee, he frequently came to New York City, where associating with Anna could have been a natural fit, considering her financial and economics background. Coincidently, Orzag resigned from his federal position the same month that Chapman was arrested. Following this, Orzag took a job at Citigroup as Vice President of Global Banking. In 2009, he fathered a child with his former girlfriend, Claire Milonas, the daughter of Greek shipping executive, Spiros Milonas, chairman and President of Ionian Management Inc. In September of 2010, Orzag married Bianna Golodryga, the popular news and finance anchor at Yahoo and a contributor to MSNBC's Morning Joe. She also had co-anchored the weekend edition of ABC's Good Morning America. Not surprisingly Bianna was born in in Moldova, Soviet Union, and in 1980, her family moved to Houston, Texas. She graduated from the University of Texas at Austin, with a degree in Russian/East European & Eurasian studies and has a minor in economics. They have two children. Yes, she is fluent in Russian! Presently Orszag is a banker and economist, and a Vice Chairman of investment banking and Managing Director at Lazard.

Most charities already target the poorest people in our communities: the homeless, the chronically unemployed, the unskilled, those living well below the poverty line. I think that's important and necessary. My philosophy as Good Sam is this. It's not only those who've hit rock bottom who deserve help. Corporate mergers, globalization, recessions, tax cuts for the super wealthy - these all the effect of punishing all Americans. What about those who appear to be getting by on their own? The man who works two jobs to put a roof over his family's head, who pays his taxes, yet still fights to makes ends meet?He doesn't qualify for food stamps or low-cost housing or handouts from charities. He's laboring longer, earning less, and has fewer job protections than he did twenty-five years ago. Yet few government programs or charities address his needs.... I gave to people in a wide variety of professions and financial circumstances. But most of the money went to the people who keep the factories and stores running, who fix our cars and our plumbing, who bake our bread and serve our coffee, who teach our children in school. They are the soldiers in our everyday lives, and they cannot and should not be forgotten.

Self-Esteem and Earnings” showed that your level of confidence is at least as important as how smart you are when it comes to how much money you end up making.

Your Personal Economic Model One tool we use when discussing the best course of action to secure your financial future is the Personal Economic Model®. Just as a medical doctor would use an anatomical model to convey medical concepts, we use the following model to convey financial concepts. This model offers a visual representation of the way money flows through your hands. On the left, you will notice the Lifetime Capital Potential tank, which illustrates that the amount of money you will control during your lifetime is both large, as well as finite. Most people are shocked to see how much money can flow through their hands in their lifetime. Once earned, your money flows directly to the Tax Filter where the state and federal governments take tax dollars owed from your paycheck. The after tax dollars are then directed to either your Current Lifestyle or your Future Lifestyle. Your management of the Lifestyle Regulator determines where these dollars go. Regulating the cash flow between your current lifestyle desires and your future lifestyle requirements may be the most important financial decision you will ever make. Here’s why. Each and every dollar that is allowed to flow through to your Current Lifestyle is consumed and gone forever. The goal is to accumulate enough money in the Savings and Investment tanks so that when you retire, the dollars in those tanks can be used to pay for your future lifestyle requirements. Retirement planning seems hard for most people to do but it is not rocket science. The best position, position A, would be to have enough in the tanks so that you can live in the future like you live today adjusted for inflation and have your money last at least to your life expectancy. That’s a win, but the icing on the cake would be to accomplish that with little to no impact on your present standard of living, and that is exactly what we strive to help our clients to do. Working with us can help you with the following: Optimize the balance between your Current and Future Lifestyles Identify inefficiencies in your current personal economic model (where are you losing money) Design, implement, and execute a plan to secure your financial future Limit the impact on your Current Lifestyle dollars (maintain your current standard of living)

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as fast, efficiently, deeply and cost-effectively as possible. Because we have spent so many pages exploring some of the weaknesses of renewable energy sources, one might think that we are somehow opposed to these energy sources. As we wrote in the introduction, this is not the case. Even though readability prevents us from stating this at every juncture, we wish to categorically state that we support (within environmental limits) all truly low-carbon energy sources and nearly all the energy efficiency proposals we've seen so far. Both of us have even invested our own hard-earned money in renewable energy generation. We will most certainly need a lot more renewable energy, and we are certain that they are being built. The question whether or not renewable energy sources could play a major role in our energy system has already been answered: we know that they will be important sources of energy in the future. The only question is how important. We, of course, hope for the best and are excited about the potential and various benefits of renewable energy, and believe that solar and wind energy are amongst the most important tools for successful climate change mitigation.

Power of compounding is real and is extremely important. If you understand it, you earn it; if not, you pay it. The rule for compounding is simple - the sooner you start investing, the more time your money has to grow.

When you’re young, money is important, a house is important, a car is important—everything is important—and yet you still end up neglecting the most important things of all. By the time you earn all your money and get all the things you ought to have, some things are lost forever. Lao Sun understood now, but he was already old.

Each of us must use self-scrutiny in order to ascertain how to immerse ourselves into prevailing culture and develop personals skills and survival mechanisms in order to cope with all the paradoxes and complications of a chaotic world. We cannot gauge the equipoise of our emotional health by examining the columns of numbers representing money earned or sums owed on a financial balance sheet. We must periodically take stock of our character assets and personality liabilities. Maintaining a permanency of felicity lodged in our lightsome soul might be the most important asset besides physical genetics that we will ever possess. Unlike our genetic disposition, we are the sole sentinels of our emotional health.

VEBLEN HAD RISEN UP the ranks of the temp agency, and nowadays made eighteen dollars an hour, just enough for rent and food and a few small items of need. Keeping a low overhead was part of her mind-set. It made for an existence that was lean and challenging, like life on the frontier. She believed it was important to be fairly compensated for your time and work, but that it was also important not to earn a bunch of money just to play a predetermined role in the marketplace. When unforeseen expenses came up, such as when her 1982 Volvo 244 blew its head gasket, she discovered how vulnerable she was—and had to take a second job for a while, packing candles into boxes in a factory in Milpitas on the night shift. But for the most part, her life worked. She was getting better at Norwegian, and her translations came more easily. She’d accomplished things, hadn’t she? All kinds of things you couldn’t put on a résumé, such as deciphering the cryptic actions of family members, and taking care of them until the day they died.

Disability insurance provides a portion of your income if you can't work because of an illness or non-job-related injury. To me, being over 50 doesn't lessen the need for it. On the contrary, it may increase it. Many people in their fifties are in their peak earning years and building their retirement nest egg. An extended disability at this time of life could completely derail their financial future.

Most, like Cudjo, had never finished the initiations required in their cultures to pass into adulthood. Their desire to immediately re-create a form of government familiar to all of them—with a respected elder in charge and laws everyone agrees to obey—speaks to their powerful instinct to build a society apart from the Americans, white or Black. For the Africans, reassembling a piece of their homeland by living together as a village was a way to reclaim their identity and power. They created a place beyond the insults and ostracizing of Mobile society. They created a place where they could be and, more important, feel African. Unlike the American Black people, who had been born into slavery and never knew freedom or citizenship, the Africans had only been captive for five years. Most of them were from Bante, a large market town. Their families back home had been sophisticated businesspeople, accustomed to buying, selling, trading, and the experiences of earning money and owning land. In essence, unlike their newly emancipated American counterparts, the Africans already knew how to be free.

The key to this matrix is the symmetry or asymmetry of the performance. Investors who lack skill simply earn the return of the market and the dictates of their style. Without skill, aggressive investors move a lot in both directions, and defensive investors move little in either direction. These investors contribute nothing beyond their choice of style. Each does well when his or her style is in favor but poorly when it isn’t. On the other hand, the performance of investors who add value is asymmetrical. The percentage of the market’s gain they capture is higher than the percentage of loss they suffer. Aggressive investors with skill do well in bull markets but don’t give it all back in corresponding bear markets, while defensive investors with skill lose relatively little in bear markets but participate reasonably in bull markets. Everything in investing is a two-edged sword and operates symmetrically, with the exception of superior skill. Only skill can be counted on to add more in propitious environments than it costs in hostile ones. This is the investment asymmetry we seek. Superior skill is the prerequisite for it. Here’s how I describe Oaktree’s performance aspirations: In good years in the market, it’s good enough to be average. Everyone makes money in the good years, and I have yet to hear anyone explain convincingly why it’s important to beat the market when the market does well. No, in the good years average is good enough. There is a time, however, when we consider it essential to beat the market, and that’s in the bad years. Our clients don’t expect to bear the full brunt of market losses when they occur, and neither do we. Thus, it’s our goal to do as well as the market when it does well and better than the market when it does poorly. At first blush that may sound like a modest goal, but it’s really quite ambitious. In order to stay up with the market when it does well, a portfolio has to incorporate good measures of beta and correlation with the market. But if we’re aided by beta and correlation on the way up, shouldn’t they be expected to hurt us on the way down? If we’re consistently able to decline less when the market declines and also participate fully when the market rises, this can be attributable to only one thing: alpha, or skill. That’s an example of value-added investing, and if demonstrated over a period of decades, it has to come from investment skill. Asymmetry—better performance on the upside than on the downside relative to what your style alone would produce—should be every investor’s goal.

Lambs think money and material things are the most important thing in the world. You can cheat, lie, steal, kill, be dumb as a rock, but if you can brag about money and having lots of things and your bragging is true, that bypasses everything. Money and material things make you king or queen of the Lamb world. You can do no wrong, you can do anything. “Leopard People are different. The only way you can earn chittim is by learning. The more you learn, the more chittim you earn. Knowledge is the center of all things.

Reconstructing family life amid the chaos of the cotton revolution was no easy matter. Under the best of circumstances, the slave family on the frontier was extraordinarily unstable because the frontier plantation was extraordinarily unstable. For every aspiring master who climbed into the planter class, dozens failed because of undercapitalization, unproductive land, insect infestation, bad weather, or sheer incompetence. Others, discouraged by low prices and disdainful of the primitive conditions, simply gave up and returned home. Those who succeeded often did so only after they had failed numerous times. Each failure or near-failure caused slaves to be sold, shattering families and scattering husbands and wives, parents and children. Success, moreover, was no guarantee of security for slaves. Disease and violence struck down some of the most successful planters. Not even longevity assured stability, as many successful planters looked west for still greater challenges. Whatever the source, the chronic volatility of the plantation took its toll on the domestic life of slaves. Despite these difficulties, the family became the center of slave life in the interior, as it was on the seaboard. From the slaves' perspective, the most important role they played was not that of field hand or mechanic but husband or wife, son or daughter - the precise opposite of their owners' calculation. As in Virginia and the Carolinas, the family became the locus of socialization, education, governance, and vocational training. Slave families guided courting patterns, marriage rituals, child-rearing practices, and the division of domestic labor in Alabama, Mississippi, and beyond. Sally Anne Chambers, who grew up in Louisiana, recalled how slaves turned to the business of family on Saturdays and Sundays. 'De women do dey own washing den. De menfolks tend to de gardens round dey own house. Dey raise some cotton and sell it to massa and git li'l money dat way.' As Sally Anne Chambers's memories reveal, the reconstructed slave family was more than a source of affection. It was a demanding institution that defined responsibilities and enforced obligations, even as it provided a source of succor. Parents taught their children that a careless word in the presence of the master or mistress could spell disaster. Children and the elderly, not yet or no longer laboring in the masters' fields, often worked in the slaves' gardens and grounds, as did new arrivals who might be placed in the household of an established family. Charles Ball, sold south from Maryland, was accepted into his new family but only when he agreed to contribute all of his overwork 'earnings into the family stock.' The 'family stock' reveals how the slaves' economy undergirded the slave family in the southern interior, just as it had on the seaboard. As slaves gained access to gardens and grounds, overwork, or the sale of handicraft, they began trading independently and accumulating property. The material linkages of sellers and buyers - the bartering of goods and labor among themselves - began to knit slaves together into working groups that were often based on familial connections. Before long, systems of ownership and inheritance emerged, joining men and women together on a foundation of need as well as affection.

For those in their twenties, a very aggressive investment portfolio is recommended. At this age, there is lots of time to ride out the peaks and valleys of investment cycles, and you have a lifetime of earnings from employment ahead of you. The portfolio is not only heavy in common stocks but also contains a substantial proportion of international stocks, including the higher-risk emerging markets. As mentioned in chapter 8, one important advantage of international diversification is risk reduction. Plus, international diversification enables an investor to gain exposure to other growth areas in the world even as world markets become more closely correlated.

People who choose to earn money first, people who put off their real plans until later, until they are rich, are not necessarily wrong. People who want only to live, and who reckon living is absolute freedom, the exclusive pursuit of happiness, the sole satisfaction of their desires and instincts, the immediate enjoyment of the boundless riches of the world - Jérôme and Sylvie had taken on this vast programme for themselves - such people will always be unhappy. It is true, they would admit, that there are people for whom this kind of dilemma does not arise, or hardly arises, either because they are too poor and have no requirements beyond a slightly better diet, slightly better housing, slightly less work, or because they are too rich, from the start, to understand the import or even the meaning of such a distinction.

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

The longer one owns the shares, however, the more important the firm’s underlying economics will be to performance results. Long-term investors therefore seek answers with shelf life. What is relevant today may need to be relevant in ten years’ time if the investor is to continue owning the shares. Information with a long shelf life is far more valuable than advance knowledge of next quarter’s earnings. We seek insights consistent with our holding period. These principally relate to capital allocation, which can be gleaned from examining the company’s advertising, marketing, research and development spending, capital expenditures, debt levels, share repurchase/ issuance, mergers and acquisitions and so forth.

More importantly, the value of wealth is relative to what you need. Say you and I have the same net worth. And say you’re a better investor than me. I can earn 8% annual returns and you can earn 12% annual returns. But I’m more efficient with my money. Let’s say I need half as much money to be happy while your lifestyle compounds as fast as your assets. I’m better off than you are, despite being a worse investor. I’m getting more benefit from my investments despite lower returns.

Of time, money, and knowledge, time is the most important. While you can re-earn the money you have lost and regain lost knowledge, time once gone cannot be got back!

To keep up with the fast-paced world of technology, it’s important to stay informed, learn new skills, embrace digital tools, and continually improve. By doing so, you’ll be well-prepared for the future and ready to face any new technologies that come your way.

But this time around, and perhaps for the first time in his career, he realized that American Express’s most important asset by far did not appear on its balance sheet—it existed in people’s minds. The company’s four historical cash cows—express, money order, travelers cheques, and charge card—all depended on safeguarding cash before it arrived at its destination.

When Shi Qingluo, an agriculture expert, opened her eyes again after dying, she realised she had transmigrated as a farm girl in an ancient era. Her story started from when she was sold by her family, and was currently being forcibly taken away. She subdued evil with greater evil, and violence with greater violence, forcing the troublemakers to cry in defeat and ended up giving in to her. Then, she married off to another village. She became the wife of Scholar Xiao Hanzheng who was in a coma, and had just been abandoned by his extended family. Qingluo looked at Scholar Xiao’s frail mother, delicate younger sister, and obedient younger brother, and rubbed her chin out of satisfaction. From now on, they were all hers to protect. Since then, she took on the crucial role as the family’s breadwinner, led the family towards prosperity and accidentally became the nation’s wealthiest individual. Xiao Hanzheng woke up to find that his brother, who supposedly died from drowning, was alive and kicking. His sister was still at home. And their mother, who was supposedly eaten by wild beasts when she entered the forest in hopes of earning money to buy medicine, was still alive. More importantly, he even gained a capable wife after waking up. All of his immediate family members loved and relied on her. He looked at her and asked, “If you’re the breadwinner, what should I do?” His wife said, “You just have to look pretty, and earn a position in the government so that you can support me.” Xiao Hanzheng’s frozen heart suddenly came alive. “Sure!” Since then, he has worked hard in his career. He went from being an elementary scholar to a distinguished minister with great influence. He knew that from the moment he woke up, his wife was his saviour.

Formed in 1950, Diners’ Club initiated the first universal restaurant charge card that prominent New York restaurants would accept. Cardholders charged for a meal, and the restaurant collected from the Club less a 5%–10% discount (which restaurants were willing to accept since cardholders typically spent more than those paying with cash on hand). Diners’ Club paid the restaurant and had to collect from cardholders. In the 1950s, credit cards took off in the United States. There were cards for specific companies as well as universal travel and entertainment charge cards.244 American Express debated the merits of creating a card. But by the 1950s, the company’s executives realized that people were using the cards for travel-related services, posing a risk for the travelers cheque. Furthermore, the money order business was becoming less important, with the rise of personal checking accounts stealing business away from money orders. The company finally decided it would be better for American Express to protect itself by making its own card rather than lose all that business.245 American Express debated entering the business by acquiring Diners’ Club. After that deal fell through, American Express decided to go forward by launching its own American Express Credit Card in 1958. The American Express Credit Card was, in reality, a charge card, not a credit card. The latter had a revolving line of credit whose balance could be carried over from month to month. While technically still an extension of credit, the charge card required all outstanding balances to be paid in full each month.246,247 Before launching, American Express reached a deal with the American Hotel Association, providing Amex with 150,000 cardholders and 4,500 participating hotels. American Express then bought 40,000 members from the Gourmet card.248 And when rumors spread that American Express was thinking of starting a card, people wanted in. In contrast to the banks, who literally had to mass-mail cards to people when they rolled out their offerings (a practice made illegal in 1970), people flocked to American Express.249 The brand, whose image had evolved from a guard dog to ‘the guardian of Rome,’ the centurion, had now become a status symbol.

What became known as ‘the salad oil scandal’ was a textbook case of management incompetence and stupidity, and investors abandoned the company in droves. The 33-year-old Buffett had kept his eye on the scandal since it broke, but he waited months to start buying. And he started building his investment—the best of the Partnership—during a particularly trying time for him and his family, as his father Howard lay hospital-ridden in the final weeks of his life in April 1964. To the extent he was known at all at the time, Buffett was known for his ability to find quantitative bargains among the semi-anonymous flotsam and jetsam of American capitalism, but American Express was an extremely well-known company. Moreover, Buffett proceeded to write a remarkable letter to Clark in which he rather breezily absolved Amex management of any responsibility for the scandal, encouraged it to use shareholder money (which included Buffett’s) to pay creditors harmed by the scandal, and more or less encouraged Clark to forget the whole thing. Finally, and most importantly, Buffett continued adding to his American Express position long after the scandal had diminished in importance. By the time he sold his position years later, American Express had become the most important individual contributor to the results of the Buffett Partnership and arguably the biggest turning point in Buffett’s career.

know what Clement said about being pope?” I shook my head, as he’d hoped I would. “Clement said none of his predecessors knew how to be pope.” “What did he mean?” “He meant that none of the others knew how to throw such big parties. He was also called ‘Clement the Magnificent.’ When he was crowned as pope, he gave a feast for three thousand people. He served one thousand sheep, nine hundred goats, a hundred cows, a hundred calves, and sixty pigs.” “Goodness. That’s, what, ten, twenty pounds of meat for every person?” “Ah, but there is more. Much more. Ten thousand chickens. Fourteen hundred geese. Three hundred fish—” “Only three hundred?” He stretched his arms wide—“Pike, very big fish”—then transformed the gesture into a shrug. “But also, Catholics eat a lot of fish, so maybe it was not considered a delicacy.” He held up a finger. “Plus fifty thousand cheeses. And for dessert? Fifty thousand tarts.” “That’s not possible. Surely somebody exaggerated.” “Non, non, pas du tout. We have the book of accounts. It records what they bought, and how much it cost.” “How much did it cost?” “More than I will earn in my entire life. But it was a smart investment. It made him a favorite with the people who mattered—kings and queens and dukes. And, of course, with his cardinals and bishops, who sent him money they collected in their churches.” Turning away from the palace, he pointed to a building on the opposite side of the square. “Do you know this building?” I shook my head. “It’s just as important as the palace.” “What is it?” “The papal mint.” “Mint, as in money?” He nodded. “The popes coined their own money, and they built this mint here. They made gold florins in the mint, then stored them in the treasury in the palace.” “The popes had their own mint? That seems ironic, since Jesus chased the money changers out of the temple in Jerusalem.” “If you look for inconsistencies, you will find a million. The popes had armies. They had mistresses. They had children. They poisoned their rivals. They lived like kings and emperors; better than kings and emperors.” “And nobody objected?” “Oh, sure,” he said. “Some of the Franciscans—founded by Saint Francis of Assisi—they were very critical. They said monks and priests and popes should live in poverty, like Jesus.

...earnings can be as pliable as putty when a charlatan heads the company reporting them. Eventually truth will surface, but in the meantime a lot of money can change hands. Indeed, some important American fortunes have been created by the monetization of accounting mirages.

Ah, I overlooked two things. When we invite people to enter a training track, we always tell them why we have selected or approved them. It’s very, very important for everyone to know that they’ve been observed and what we’ve seen and appreciated in them. So many of our people come out of families and homes where no one ever tells them that they are valuable for anything except earning money. So if this hotel can be the one place where they learn that they are competent and valued, we want that to happen.

7 TRUTHS ABOUT MONEY, WORTH, HAPPINESS & CHOICE 1. Money does not validate your personal worth. Just because the financial world uses the term "worth" as it applies to business, does not mean it applies to you as a person. People get that mixed up all the time and it's dangerous. You are worthy just for being. Remember that. You are priceless. 2. When you like yourself regardless of the size of your bank account, success will follow because you're already successful. Think about it. Success begets success. Deal with that self-loathing garbage that holds you back, like yourself and get to work. 3. Don't try to validate your personal worth with money. If you do, your self-esteem may go up or down with the size of your bank account or the success or failure of your next venture. That's no way to live. 4. The fallacy is that the more money you have the happier you are. Some of the saddest people in the world are filthy rich. That said, some of the happiest people are filthy rich. Likewise, some of the saddest people and some of the happiest people are dirt poor. Money is not the deciding factor in your happiness. You are the deciding factor in your own happiness. Take 100% responsibility for your life and watch magic happen. 5. Now don't get me wrong. I live in the 21st century too. Money is like air. You don't know how important it is until it runs out. Money to humans is like water to fish. You can't live without it. Money is how we survive and money impacts our happiness, freedom, how and where we live and our ability to make various choices. 6. In the end, a) money will never determine your personal worth because you are worthy just by the fact that you are here, b) money may impact your happiness, but happiness is a choice regardless of the size of your bank account, and c) money is necessary to survive and enhances your circumstance. 7) Bringing it all together: given a choice (which you are if you are reading this mini-essay), why not a) choose to believe you are already worthy regardless of your financial situation, b) make happiness a habit, and c) get a mentor to learn how to earn more income so you never run out of air or water?

Life is too stupid to the extent that no matter your improvement,no matter your performance,no matter your efforts AGE will still catch up with you and offer you wealth only when your too old to do the most important things you had wished to accomplished at certain age, this makes contributing to national growth a had thing to do even if you have the money in abundance. Those that still gives without thinking about those who will be benefiting from your toils hard earned money are the most lived souls. Be a Giver No matter how human ungratefulness makes you feels like ,You may not see the blessing today ,some good deeds pays the gateway to paradise cos it takes a Forgiven Heart to Give without thinking

My decision isn't as important as the freedom to decide. And my income isn't as important as what I do to earn it.

The problem was, they had no beds, but Gebbia did have three air mattresses. “So we inflated them and called ourselves ‘Airbed and Breakfast.’ Three people stayed with us, and we charged them eighty dollars a night. We also made breakfast for them and became their local guides,” Chesky, thirty-four, explained. In the process, they made enough money to cover the rent. More important, though, they discovered a bigger idea that has since blossomed into a multibillion-dollar company, a whole new way for people to make money and tour the world. The idea was to create a global network through which anyone anywhere could rent a spare room in their home to earn cash. In homage to its roots, they called the company Airbnb, which has grown so large that it is now bigger than all the major hotel chains combined—even though, unlike Hilton and Marriott, it doesn’t own a single bed. And the new trend it set off is the “sharing economy.” When I first heard Chesky describe his company, I confess to being a little dubious: I mean, how many people in Paris really want to rent out their kid’s bedroom down the hall to a perfect stranger—who comes to them via the Internet? And how many strangers want to be down the hall? Answer: a lot! By 2016, there were sixty-eight thousand commercial hotel rooms in Paris and more than eighty thousand Airbnb listings.

The University Student who accessed Joy I once asked several university students at a mindfulness workshop why they were so stressed. Below is a conversation I had with a young student: “Why do you get yourself so stressed out?” “Because I have so much work to do in order to pass my masters degree”, replied the student. “Is the degree important to you?” “Of course it’s important. If I pass, I’ll have the chance to work for a law firm and eventually become a junior partner”. “Why do you want to become a junior partner?” “So that I can work my way up the ladder, have more influence and earn a lot of money”. “Why do you want to have a lot of influence and earn a lot of money?” I asked. “If I have a lot of money and influence, I will have enough financial muscle to provide everything for my future wife and children.” “Do you have your own family yet?” “Not at the moment. I’m single but I want to prepare myself”, the student replied. “So, why do you want a partner and children?” “Because, I’ll feel complete and satisfied”, the student replied. “Do you mean that you will feel happier if you have all of these things?” “Yeah, that’s it! I want to be happy and feel good about myself. I want happiness”. “Why don’t you just decide to be happy right now rather than spending most of your time desperately hoping to find happiness in something that hasn’t happened yet? You can still create your own reality and meet your dream partner but you can start to feel happy now before you meet her”. This conversation helped the student to see the futility of booking appointments in the future to be happy, when he could consciously make that choice in the present moment and also that he would have a much better chance of attracting his dream career and partner if he was vibrating joy in the present moment. The wonderful realization of mindful living is that we do not need an excuse to be happy and serene. Being joyful comes as a result of being mindful. Nothing more is required from us apart from honouring the nowness of life. What a startling revelation!!

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Are you attracting money, or repelling it? This is important to understand. If you were conditioned and programmed your whole life that “money is the root of all evil” or “money makes people do bad things,” no wonder you do not have an abundance of it. You are repelling it away from you. Subconsciously, because you do not like money, your actions are causing you to get rid of what money you do earn. If you can change your mind, you can change your bank account. Money is not evil, it is paper. The greed of, or doing bad things for or with the money, is the issue. Money can make you more of what you already are. If you are a bad person, you can now afford to be a worse person. If you are a good person, you can now do more nice things for others. So decide today to respect and appreciate why money is an instrument for good. Begin to attract money rather than repel it. This mental shift will have an enormous effect on your life from today forward if you make this shift in thinking. Decide today that you want more money, and determine what you need the money for. Then attach those good reasons for the need to your dominating thoughts about money. When you connect money with those reasons that compel you to want to earn more, you will begin to attract more.

how people spend their money may be at least as important as how much money they earn. In particular, spending money on other people (buying flowers for your spouse rather than a bauble for yourself) or on a cause (donating to a religious institution rather than going for an expensive haircut) can actually increase our subjective well-being.

People who choose to earn money first, people who put off their real plans until later, until they are rich, are not necessarily wrong. People who want only to live, and who reckon living is absolute freedom, the exclusive pursuit of happiness, the sole satisfaction of their desires and instincts, the immediate enjoyment of the boundless riches of the world - Jérôme and Sylvie had taken on this vast programme for themselves - such people will always be unhappy. It is true, they would admit, that there are people for whom this kind of dilemma does not arise, or hardly arises, either because they are too poor and have no requirements beyond a slightly better diet, slightly better housing, slightly less work, or because they are too rich, from the start, to understand the import or even the meaning of such a distinction. But nowadays and in our part of the world, more and more people are neither rich nor poor: they dream of wealth, and could become wealthy; and that is where their misfortunes begin.

I felt arrows of rage rising in me, fraught images spreading like bloodstains. There’s no point, I told myself. I reached for the ordinary decoys. It won’t get you anywhere. Think of the outcome you want and make sure you are moving towards it. Got to be practical. That’s what I always told the girls at school. There is so much in life that doesn’t matter, so many things that hold you back, hem you in and throw you off the scent of what’s important. Don’t get too bogged down in things that don’t count or things you cannot influence, and specifically don’t worry too much about making sure others know you’re in the right, because it so easily gets in the way of what you want and need. Become an expert at shrugging most of life off and free yourself for what really interests you. Hone your focus. Don’t bother with cleaning or tidiness beyond basic hygiene. Don’t make your appearance your primary concern. It will zap all your creativity. Be as self-sufficient as you dare. Sometimes you hold more strength when people don’t know what you think or feel, so be very careful whom you confide in. People can run with your difficulties when you least expect it, distort them, relish them even, and before you know it they’re not yours any more. Respect your privacy. And earn you own money or you’ll lack power. Take good care of your friendships, nurture them and they’ll strengthen you. Don’t turn frowning at the defects of other people into a hobby, delicious though it may be; it poisons you. Read every day—it is a practice that dignifies humans. Become a great reader of books and it will help you with reality, you’ll more easily grasp the truth of things and that will set you up for life. And don’t expose your brain to low-quality art forms because there will be a certain measure of pollution.

1. A Rich Life means you can spend extravagantly on the things you love as long as you cut costs mercilessly on the things you don’t. 2. Focus on the Big Wins—the five to ten things that get you disproportionate results, including automating your savings and investing, finding a job you love, and negotiating your salary. Get the Big Wins right and you can order as many lattes as you want. 3. Investing should be very boring—and very profitable—over the long term. I get more excited eating tacos than checking my investment returns. 4. There’s a limit to how much you can cut, but no limit to how much you can earn. I have readers who earn $50,000/year and ones who earn $750,000/year. They both buy the same loaves of bread. Controlling spending is important, but your earnings become super-linear. 5. Your friends and family will have lots of “tips” once you begin your financial journey. Listen politely, then stick to the program. 6. Build a collection of “spending frameworks” to use when deciding on buying something. Most people default to restrictive rules (“I need to cut back on eating out . . .”), but you can flip it and decide what you’ll always spend on, like my book-buying rule: If you’re thinking about buying a book, just buy it. Don’t waste even five seconds debating it. Applying even one new idea from a book is worth it. (Like this one.) 7. Beware of the endless search for “advanced” tips. So many people seek out high-level answers to avoid the real, hard work of improving step by step. It’s easier to dream about winning the Boston Marathon than to go out for a ten-minute jog every morning. Sometimes the most advanced thing you can do is the basics, consistently. 8. You’re in control. This isn’t a Disney movie and nobody’s coming to rescue you. Fortunately, you can take control of your finances and build your Rich Life. 9. Part of creating your Rich Life is the willingness to be unapologetically different. Once money isn’t a primary constraint, you’ll have the freedom to design your own Rich Life, which will almost certainly be different from the average person’s. Embrace it. This is the fun part! 10. Live life outside the spreadsheet. Once you automate your money using the system in this book, you’ll see that the most important part of a Rich Life is outside the spreadsheet—it involves relationships, new experiences, and giving back. You earned it.

Using Beat the Dealer as a guide, he brought a bankroll of $200 and ran it up to $10,000. It took four months. The grueling days at the green felt tables often lasted sixteen hours. It was a hard way to earn money but the real value, as with so many before and after him, was in what the young man learned. As he later said, “I had no clue that my four months at the tables in Las Vegas were to lay the foundation for a successful career in Wall Street. [It] taught me several important principles that I’ve employed for the past twenty-five years…

In response to this situation, the Australian philosopher Peter Singer wrote a now famous essay, “Famine, Affluence, and Morality,” in which he argued that spending money on the trappings of middle-class life rather than on famine relief, or some other form of charitable aid, was not merely stingy but depraved. His argument went like this: If you walk past a shallow pond and see a child drowning, ought you to save the child, even if it would mean muddying your clothes? Most people would say that of course you should—muddy clothes are nothing compared with a dead child. Well, he argued, children are dying all the time, so if we can save them without sacrificing anything of equal importance, particularly something as unimportant as extra clothes, we ought to do it. Most of these children are nowhere near us, but what moral difference does it make if the child is in front of us or far away? If we spend two hundred dollars on clothes that could have bought lifesaving food or medicine, we’re still responsible for a death. And, by extension, if we don’t give much of what we own and earn for the relief of suffering, then we’re responsible for many deaths. This

The following fundamental question therefore arises: what is the importance of occupational upward mobility today? The last section discussed the difficulties of analysing occupational groups in relation to social stability. If the son of a skilled worker finishes secondary education and becomes a journalist, or the daughter of a commercial employee becomes a lawyer, then both have risen in relation to their parents, according to the traditional model. Their jobs bring greater social prestige—however, they may no longer automatically earn more money than their parents. Likewise, whether they are precariously employed and under constant threat of unemployment is generally not taken into account.

The reality is, the men would never play the World Cup on field turf,” Abby Wambach said after the complaint was filed. “So for me, it’s a women’s rights issue—it’s an equality issue.” Of course, FIFA treating the Women’s World Cup like it was less important than the men’s event wasn’t new. Take, for instance, the prize money that FIFA offered the winners. For whoever won the 2015 World Cup, a $2 million team prize was on the line. If that seems like a lot, it shouldn’t—the German men’s team won $35 million for winning the 2014 World Cup. That’s roughly six cents on the dollar for the women. The last-place men’s team at the 2014 World Cup earned $8 million, four times what the winner of the 2015 Women’s World Cup would earn. FIFA may have been a so-called not-for-profit organization that was heading into the 2015 Women’s World Cup with around $1.5 billion in cash reserves, but FIFA secretary general Jérôme Valcke argued the women would have to wait 13 more World Cups to see the sort of cash prize the men get.

The first, or predictive, approach could also be called the qualitative approach, since it emphasizes prospects, management, and other nonmeasurable, albeit highly important, factors that go under the heading of quality. The second, or protective, approach may be called the quantitative or statistical approach, since it emphasizes the measurable relationships between selling price and earnings, assets, dividends, and so forth. Incidentally, the quantitative method is really an extension—into the field of common stocks—of the viewpoint that security analysis has found to be sound in the selection of bonds and preferred stocks for investment. In our own attitude and professional work we were always committed to the quantitative approach. From the first we wanted to make sure that we were getting ample value for our money in concrete, demonstrable terms. We were not willing to accept the prospects and promises of the future as compensation

when he began earning again, it was clear that his money was much more important than any money I might earn, that his job was an important job, that he couldn’t be expected to be doing pick-ups and Pampers and snot and drop-offs with so much importance around. And, eventually, I gave up work so that we would not be so much in his way.

In 2009 and 2010, Koch Industries’ political network created new Republican candidates, seemingly out of nowhere, who rose up and challenged sitting congressmen and senators. Koch’s chosen candidates attacked the incumbents from the right, claiming that the Republican Party was insufficiently conservative and too accommodating of the Obama agenda. The overwhelming message was that compromise with Democrats must end. Bob Inglis was more surprised than anyone to find himself challenged by one of Koch’s candidates. Inglis earned an 84 percent rating from the American Conservative Union, which tracked lawmakers’ votes. He discovered that voting in line with the union 84 percent of the time was not enough. Inglis was seen as a holdout against Koch’s agenda because he stubbornly continued to advocate for controlling greenhouse gas emissions. Inglis’s competition came in May, and it arrived in the form of a prosecuting attorney from Spartanburg named Trey Gowdy. Inglis and Gowdy had been longtime allies and even friends. Inglis heard the news about Gowdy’s candidacy one morning when a friend called and told him. He collapsed back into bed. Gowdy was a formidable opponent. Koch Industries gave no money to Inglis during that campaign cycle, but contributed at least $7,500 to Gowdy. Americans for Prosperity promoted Inglis’s town hall meetings to Tea Party activists so that they could arrive to protest, but there is no evidence that AFP directed such actions against Gowdy or questioned his conservative credentials. Gowdy, in turn, proved that he would support Koch Industries’ most important policy concern in the summer of 2009.

My experience highlights the importance of entering new business opportunities early on, as it is easier to make money. My story echoes the universal truth: the early bird gets the worm, especially when it comes to emerging technologies.

Earning money was a means to an end: to support the household and let her family live happily. But capitalist society lulls us into believing our wages are a goal in themselves, turning us into slaves of money. We forget that as crucial as money may be, there are even more important things that we can’t afford to lose.

I believe that an average-talented person who has an optimistic, positive and cooperative attitude towards the world will earn more money and win more respect as compared to a talented but pessimistic, passive and uncooperative person. Regardless of whether a person is dealing with trivial things, difficult tasks or important plans, as long as he is dedicated and enthusiastic to complete, the results will be far better than smart but lazy people. Because concentration and perseverance account for 95% of a person's ability. Some people are always moaning and sighing: Why do so many talented individual fail? Here is the reason. If an extremely smart person is always using their amazing intellect to prove why things cannot succeed, instead of guiding their minds to find various ways to succeed, the fate of failure will find them. Negative thoughts have implicated their intelligence, making them unable to use their skills to accomplish anything. If they can change their mindset, I believe they will do many great things.

a result of the Bretton Woods Agreement, the dollar became the world’s leading reserve currency. This was natural because the two World Wars had made the US the richest and most powerful country by far. By the end of World War II the US had amassed its greatest gold/money savings ever—about two-thirds of all the government-held gold/money in the world, the equivalent to eight years of import purchases. Even after the war, it continued to earn a lot of money by exporting.

For centuries, composers studied with their teachers and only heard other living composers’ music. Equally important, they did not expect their music to last past whatever performances they could arrange before moving on to their next piece. They received no royalties, and if they sold their music, it was to a publisher who earned money for his company. Although this situation began to change in the nineteenth century, music was seen as a disposable art form and audiences were used to hearing only new music.

Everything that makes the neck longer is attractive. Extravagance kills the personality. All the superlatives are devalued. Beauty treatments should begin with the heart and the soul, otherwise cosmetics are pointless. The interior of the home is the natural projection of the soul and Balzac was right to attach as much importance to it as he did to clothing. You don't need enthusiasm in order to earn money, you need it in order to spend it. Wealth is not accumulation, it's the exact opposite, it serves to free us, it's the "I've had everything and that everything is nothing." Just as in fashion, you generally begin with something that is too beautiful in order to attain simplicity. I have a hatred of hanging on to things. Almost all our emotional, social and moral troubles stem from the fact that we don't know how to give anything up. Money adds to the decorative pleasures of life but it's not life. Women conceal their defects instead of considering them as yet another asset. You have to know how to take advantage of your flaws and apply them with cunning; if you know how to make use of them, you obtain everything. I have decided to be happy without requiring that daily dose of poison, recently invented, that we call happiness.

It’s about corporate America, the rich and the super rich are taking money from the poor and the middle class and giving it, with the help of the Republican party, to the rich, to CEOs who earn a hundred and forty million dollars after they’re forced out of a company when it’s losing money. It’s about defending pensions from corporate bankruptcy tricks and your private property from eminent domain to put up Wal-Marts. It’s about immigration reform which puts an end to the senseless death of the poor but ambitious in the deserts of the southwest, it’s about recognizing the importance of the contribution of Mexican Americans to our national culture.

After many years of investing, I realized that I needed to focus as much, if not more, on the company’s balance sheet. Receivables, inventory, payables, fixed assets. And most important of all, debt. Corporate finance theory has a thing for leverage. For those of you who are not familiar with it, finance academics claim that companies need to have an “optimal” level of leverage to improve returns.18 If a company can borrow money to purchase assets, its return on equity and earnings per share should improve. Mathematically, this is undoubtedly true. Realistically, this is undoubtedly dangerous.