Finance Sayings Quotes

Augustus," I said. "Really. You don't have to do this." "Sure I do," he said. "I found my Wish." "God, you're the best," I told him. "I bet you say that to all the boys who finance your international travel," he answered.

I was mistaken when I said you live in my heart. How absurd I was when you live in my fingertips so that everything I touch is you. How foolish I was when you live in my toes so that everywhere I go there's you. How senseless of me to say you live in my heart when you breathe in my lungs, walk on my mind, and drink in my mouth. I came to pen another poem for you, but even every unwritten poem is you.

There’s a famous Russian proverb about this type of behavior. One day, a poor villager happens upon a magic talking fish that is ready to grant him a single wish. Overjoyed, the villager weighs his options: “Maybe a castle? Or even better—a thousand bars of gold? Why not a ship to sail the world?” As the villager is about to make his decision, the fish interrupts him to say that there is one important caveat: whatever the villager gets, his neighbor will receive two of the same. Without skipping a beat, the villager says, “In that case, please poke one of my eyes out.

Father! My father knows the proper way The nation should be run; He tells us children every day Just what should now be done. He knows the way to fix the trusts, He has a simple plan; But if the furnace needs repairs, We have to hire a man. My father, in a day or two Could land big thieves in jail; There's nothing that he cannot do, He knows no word like "fail." "Our confidence" he would restore, Of that there is no doubt; But if there is a chair to mend, We have to send it out. All public questions that arise, He settles on the spot; He waits not till the tumult dies, But grabs it while it's hot. In matters of finance he can Tell Congress what to do; But, O, he finds it hard to meet His bills as they fall due. It almost makes him sick to read The things law-makers say; Why, father's just the man they need, He never goes astray. All wars he'd very quickly end, As fast as I can write it; But when a neighbor starts a fuss, 'Tis mother has to fight it. In conversation father can Do many wondrous things; He's built upon a wiser plan Than presidents or kings. He knows the ins and outs of each And every deep transaction; We look to him for theories, But look to ma for action

What is patriotism? Let us begin with what patriotism is not. It is not patriotic to dodge the draft and to mock war heroes and their families. It is not patriotic to discriminate against active-duty members of the armed forces in one’s companies, or to campaign to keep disabled veterans away from one’s property. It is not patriotic to compare one’s search for sexual partners in New York with the military service in Vietnam that one has dodged. It is not patriotic to avoid paying taxes, especially when American working families do pay. It is not patriotic to ask those working, taxpaying American families to finance one’s own presidential campaign, and then to spend their contributions in one’s own companies. It is not patriotic to admire foreign dictators. It is not patriotic to cultivate a relationship with Muammar Gaddafi; or to say that Bashar al-Assad and Vladimir Putin are superior leaders. It is not patriotic to call upon Russia to intervene in an American presidential election. It is not patriotic to cite Russian propaganda at rallies. It is not patriotic to share an adviser with Russian oligarchs. It is not patriotic to solicit foreign policy advice from someone who owns shares in a Russian energy company. It is not patriotic to read a foreign policy speech written by someone on the payroll of a Russian energy company. It is not patriotic to appoint a national security adviser who has taken money from a Russian propaganda organ. It is not patriotic to appoint as secretary of state an oilman with Russian financial interests who is the director of a Russian-American energy company and has received the “Order of Friendship” from Putin. The point is not that Russia and America must be enemies. The point is that patriotism involves serving your own country. The

My grandfather used to say ‘It is my house I am paying the bills’, my dad used to say ‘this is my house I pay the mortgage’, my generation is saying this is my house I pay the rent.

The truth is, the status quo loves to say no. It is the easiest thing in the world to say no, especially in the world of business and finance. But for the first time we were discussing civil rights, and no other civil rights issue has ever been questioned because of the cost.

God, you’re the best,” I told him. “I bet you say that to all the boys who finance your international travel,” he answered.

Looks like Madison Estates isn't going to get built; my husband and I bought property there, but someone called this week to say they're refunding us our deposit because they didn't presell enough houses to finance the project. Another paper town for KS!- Marge in Cawker, KS

Those who say don't know, those who know don't say

I bet you say that to all the boys who finance your international travel,” he answered.

The only person that should wear your ring is the one person that would never… 1. Ask you to remain silent and look the other way while they hurt another. 2. Jeopardize your future by taking risks that could potentially ruin your finances or reputation. 3. Teach your children that hurting others is okay because God loves them more. God didn’t ask you to keep your family together at the expense of doing evil to others. 4. Uses religious guilt to control you, while they are doing unreligious things. 5. Doesn't believe their actions have long lasting repercussions that could affect other people negatively. 6. Reminds you of your faults, but justifies their own. 7. Uses the kids to manipulate you into believing you are nothing. As if to suggest, you couldn’t leave the relationship and establish a better Christian marriage with someone that doesn’t do these things. Thus, making you believe God hates all the divorced people and will abandon you by not bringing someone better to your life, after you decide to leave. As if! 8. They humiliate you online and in their inner circle. They let their friends, family and world know your transgressions. 9. They tell you no marriage is perfect and you are not trying, yet they are the one that has stirred up more drama through their insecurities. 10. They say they are sorry, but they don’t show proof through restoring what they have done. 11. They don’t make you a better person because you are miserable. They have only made you a victim or a bitter survivor because of their need for control over you. 12. Their version of success comes at the cost of stepping on others. 13. They make your marriage a public event, in order for you to prove your love online for them. 14. They lie, but their lies are often justified. 15. You constantly have to start over and over and over with them, as if a connection could be grown and love restored through a honeymoon phase, or constant parental supervision of one another’s down falls. 16. They tell you that they don’t care about anyone other than who they love. However, their actions don’t show they love you, rather their love has become bitter insecurity disguised in statements such as, “Look what I did for us. This is how much I care.” 17. They tell you who you can interact with and who you can’t. 18. They believe the outside world is to blame for their unhappiness. 19. They brought you to a point of improvement, but no longer have your respect. 20. They don't make you feel anything, but regret. You know in your heart you settled.

When other countries run sustained trade deficits, they must finance these by selling off domestic assets or running into debt — debt which they actually are obliged to pay. It seems that only the Americans are so bold as to say “Screw the world. We’re going to do whatever we want.” Other countries simply cannot afford the chaos from which the U.S. economy is positioned to withstand as a result of the fact that foreign trade plays a smaller role in its economy than in those of nearly all other nations in today’s interdependent world. Using debtor leverage to set the terms on which it will refrain from causing monetary chaos, America has turned seeming financial weakness into strength. U.S. Government debt has reached so large a magnitude that any attempt to replace it will entail an interregnum of financial chaos and political instability. American diplomats have learned that they are well positioned to come out on top in such grab-bags.

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

If you don't create a good message about your dreams, those who were created to pay for it can't find it. Speak them out and you will find those God created to finance it

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

Because money is all things (or can be all things), something strange happens to the person who has it. As Marx says, it's like someone finding, by pure chance, the philosopher's stone. You know the philosopher's stone?" "Yes, I know what the philosopher's stone is." "The philosopher's stone gives you all the knowledge. All of it. All the knowledge of all the sciences. Imagine that someone just finds this stone. By luck. Suddenly he would have all this knowledge, regardless of his individuality. Even if he's a perfect idiot. All of it. All the knowledge.

I have never met a person who possessed a privilege who did not exercise that privilege to the fullest extent that they possibly could. Say what you like of a belief...of a party...of a finance system..of a power. All I see is privilege and its consequences. States are not in my opinion composed of structures supporting privilege but of structures denying it...in other words deciding who is not invited to the table.

Relations are by product of Money(mostly), keep your finances in line and rest all is taken care" This is a fact, which would be rarely accepted by people, but inside everyone knows that...Those who've not yet experienced it would still say, money cannot buy love, respect bla bla bla...

the International Monetary Fund basically acted as the world’s debt enforcers—“You might say, the high-finance equivalent of the guys who come to break your legs.” I launched into historical background, explaining how, during the ’70s oil crisis, OPEC countries ended up pouring so much of their newfound riches into Western banks that the banks couldn’t figure out where to invest the money; how Citibank and Chase therefore began sending agents around the world trying to convince Third World dictators and politicians to take out loans (at the time, this was called “go-go banking”); how they started out at extremely low rates of interest that almost immediately skyrocketed to 20 percent or so due to tight U.S. money policies in the early ’80s; how, during the ’80s and ’90s, this led to the Third World debt crisis; how the IMF then stepped in to insist that, in order to obtain refinancing, poor countries would be obliged to abandon price supports on

Narcissists are manipulative and masterful at twisting the situation and working the rules to get what they want. Even more frustrating, they will turn things around in such a way that you may ultimately give them what they want and exhaust yourself in the process. Early in a relationship, the manipulation is most often emotional (“I had a tough childhood, so sometimes I say things I do not mean” or “I am under a lot of stress, so I blew up—I didn’t really mean it”) and financial (masterfully getting you to take on disproportionately more financial responsibility, finding yourself spending money you do not have to keep your relationship going and your partner happy.

Are you PASSIONATE about finance? I can’t even conceive of the malformed subhuman who honestly says “yes.

If anyone could anticipate a market drop, no one would ever invest in the market above the level to which it will decline. That is to say, market corrections are unforeseen events.

I used to say why save money if I'll die tomorrow, I haven’t died yet and I have nothing to survive on

The art of prosperity lies in knowing when to say 'no' to expenditures that eclipse the brilliance of your financial goals.

The art of prosperity lies in knowing when to say "no" to expenditures that eclipse the brilliance of your financial goals.

The second message was from Andrea. “Hey. It’s me. Raphael says that Curran’s been a real bastard since about mid-November. He’s in a bad mood. He’s snarling at everything and everyone, and he stopped hearing petitions. The big items that have to be done get done, but no new projects have been approved. Raphael’s been trying to get financing from the Pack to buy out a competing business. He says the last time he brought it up, Curran almost bit his head off. He apparently stalks the Keep halls at night, looking for someone to chew out.

There are perhaps millions who are sitting on the couch saying, “I’m gonna…” They’ll do it when their finances are perfect, when their children are perfectly grown and stable, when they’ve achieved seniority on the job or some other life marker. Your life will never be perfect. Parts of it will be, at times. You will always be juggling and adjusting in some area of your life. Step away from the couch sitters who are awaiting the single perfect day to begin living their dream. You can choose to live your dream every day if you just take the first step.

What is weak, emphasize as strong. Not sure how to pronounce a word? Then say it loudly with confidence. If technology is outdated, the company board of directors will spend fortunes advertising that their products are the newest and best. To finance the lies, the board will fire a third of the employees, making stock prices go up. Then, before customers disconnect and go to competitors, the company will have made enough money on its lies to buy a startup company with new technology. But, of course, the new technology should not be a backdoor for thieves.

Some take pains to be biblical, but many [Christian financial teachers, writers, investment counselors, and seminar leaders] simply parrot their secular colleagues. Other than beginning and ending with prayer, mentioning Christ, and sprinkling in some Bible verses, there's no fundamental difference. They reinforce people's materialist attitudes and lifestyles. They suggest a variety of profitable plans in which people can spend or stockpile the bulk of their resources. In short, to borrow a term from Jesus, some Christian financial experts are helping people to be the most successful 'rich fools' they can be.

This book is an essay in what is derogatorily called "literary economics," as opposed to mathematical economics, econometrics, or (embracing them both) the "new economic history." A man does what he can, and in the more elegant - one is tempted to say "fancier" - techniques I am, as one who received his formation in the 1930s, untutored. A colleague has offered to provide a mathematical model to decorate the work. It might be useful to some readers, but not to me. Catastrophe mathematics, dealing with such events as falling off a height, is a new branch of the discipline, I am told, which has yet to demonstrate its rigor or usefulness. I had better wait. Econometricians among my friends tell me that rare events such as panics cannot be dealt with by the normal techniques of regression, but have to be introduced exogenously as "dummy variables." The real choice open to me was whether to follow relatively simple statistical procedures, with an abundance of charts and tables, or not. In the event, I decided against it. For those who yearn for numbers, standard series on bank reserves, foreign trade, commodity prices, money supply, security prices, rate of interest, and the like are fairly readily available in the historical statistics.

What kind of soldier are you that you’re going to just sit in a cell while the world is thrown into chaos? Do you not understand what could happen if those weapons fall into the wrong hands? How could you be so selfish? (Syd) I’m selfish? Look, Agent Westbrook, your daddy’s a Boston stockbroker. I’m a death broker. I’m sure you don’t lecture Daddy on finance, so don’t even try to lecture me on assassination politics. I know all about them. Some bureaucratic ass-wipe sitting in a pristine office that’s totally isolated from the rest of the world decides the son of King Oomp-Loomp is a threat. He then hands down orders to people like me to go off King Oomp-Loompa’s son. Like an idiot, I do what he says without question. I hunt my target down, using information that is mostly bullshit and unreliable, gathered by someone like you who assured me it was correct as the time. But hey, if it changes minute by minute, and God forbid we pass that along to you. So me and my spotter lie in the grass, sand, or snow for days on end, cramped and hungry, never able to move more than a millimeter an hour until I have that one perfect shot I’ve been waiting for days. I take it, and then we lie there like pieces of dirt until we can inch our way back to safety, where hopefully the helicopter team will remember that they were supposed to retrieve us. Have you any idea of the nerves it takes to do what I do? To lie there on the ground while other armed men search for you? Have them step on you and not be able to even breathe or wince because if you do, it’s not only your life, but the life of your spotter? Do you know what it’s like to have the brains of your best friend spayed into your face and not be able to render aid to him because you know he’s dead and if you do, you’ll be killed too? I have been into the bowels of hell and back, Miz Westbrook. I have stared down the devil and made him sweat. So don’t tell me I don’t take this seriously. (Steele)

How do you explain to an innocent citizen of the free world the importance of a credit default swap on a double-A tranche of a subprime-backed collateralized debt obligation? He tried, but his English in-laws just looked at him strangely. They understood that someone else had just lost a great deal of money and Ben had just made a great deal of money, but never got much past that. "I can't really talk to them about it," he says. "They're English.

Not surprisingly Wells places the City of London—the international center of banking culture—and its financial credit as responsible for knitting together world economic life over the previous hundred years. With these innovations in communications and finance, but also with the frustrations and wars inherent (so he says) in the existence of independent national states and sovereignties, came about the gradual dawning of the idea of the World-State.

Right, you see that girl over there, the one in that group that keeps looking right at you?'...'Right, let's say I'm convinced she's wearing black knickers - she looks like a black knickers kind of gal to me - and I'm so sure that's what she's wearing, so positive of that sartorial fact, I want to bet a million dollars on it. The trouble is, if I'm wrong, I'm wiped out. So I also bet she's wearing knickers that aren't black, but are any one of a whole basket of colours - let's say I put nine hundred and fifty thousand dollars on that possibility: that's the rest of the market; that's the hedge. This is a crude example, okay, in every sense, but hear me out. Now if I'm right, I make fifty K, but even if I'm wrong I'm going to lose fifty K, because I'm hedged. And because ninety-five per cent of my million dollars is not in use - I'm never going to be called on to show it: the only risk is in the spread - I can make similar bets with other people. Or I can bet it on something else entirely. And the beauty of it is I don't have to be right all the time - if I can just get the colour of her underwear right fifty-five per cent of the time I'm going to wind up very rich...

Pick up any book about personal finance and you’re likely to read a 200-page mind-fuck about being cheap. Of course, these books don’t overtly say, “Be cheap,” but hide behind slippery phrases like “the simple life” or “frugal living.” Some

If a woman can by careful selection of a father, and nourishment of herself produce a citizen with efficient senses, sound organs and a good digestion, she should clearly be secured a sufficient reward for that natural service to make her willing to undertake and repeat it. Whether she be financed in the undertaking by herself, or by the father, of by a speculative capitalist, or by a new department of , say, the Royal Dublin Society, or (as at present) by the War Office maintaining her ‘on the strength’ and authority under a by-law directing that women may under certain circumstances have a year’s leave of absence on full salary, or by the central government, does not matter provided the results be satisfactory.

have never met a person who possessed a privilege who did not exercise that privilege to the fullest extent that they possibly could. Say what you like of a belief, of a party, of a finance system, of a power—all I see is privilege and its consequences.

Merry Christmas to all and to all, good luck getting your asses out of the new debt (hole) you've put yourselves this holiday season. Remember the wise old saying, 'It's the THOUGHT that counts.' There's nothing like a CONVERSATION about what you WANTED to give.

Saying no to all or most spending reduces the number of decisions you make in a day. That, in turn, gives your brain more space to make better decisions about important things. It also builds healthier spending habits that will hopefully carry over when you’re done with the challenge.

It all must have cost a fortune, guessed Lucy, who had lost track of the actual total sometime around December 18. Oh, sure, it had been great fun for the hour or two it took to open all the presents, but those credit card balances would linger for months. And what was she going to do about the letter? It was from the financial aid office at Chamberlain College advising her that they had reviewed the family’s finances and had cut Elizabeth’s aid package by ten thousand dollars. That meant they had to come up with the money or Elizabeth would have to leave school. She guiltily fingered the diamond studs Bill had surprised her with, saying they were a reward for all the Christmases he was only able to give her a handmade coupon book of promises after they finished buying presents for the kids. It was a lovely gesture, but she knew they couldn’t really afford it. She wasn’t even sure he had work lined up for the winter.

On another night, in a different dream I was asking a question. “How is it that you say all are equal, yet the obvious contradictions smack us in the face: inequalities in virtues, temperances, finances, rights, abilities and talents, intelligence, mathematical aptitude, ad infinitum?” The answer was a metaphor. “It is as if a large diamond were to be found inside each person. Picture a diamond a foot long. The diamond has a thousand facets, but the facets are covered with dirt and tar. It is the job of the soul to clean each facet until the surface is brilliant and can reflect a rainbow of colors. “Now, some have cleaned many facets and gleam brightly. Others have only managed to clean a few; they do not sparkle so. Yet, underneath the dirt, each person possesses within his or her breast a brilliant diamond with a thousand gleaming facets. The diamond is perfect, not one flaw. The only differences among people are the number of facets cleaned. But each diamond is the same, and each is perfect. “When all the facets are cleaned and shining forth in a spectrum of lights, the diamond returns to the pure energy that it was originally. The lights remain. It is as if the process that goes into making the diamond is reversed, all that pressure released. The pure energy exists in the rainbow of lights, and the lights possess consciousness and knowledge. “And all of the diamonds are perfect.” Sometimes

Instead of saying “until,” they say, “if . . . then.” They claim that if they pursue their goal something bad will happen. Maybe the finish will turn them into a monster. Maybe they will turn into a bad person. Either way, because they’re wise and good guys, they just can’t pursue their finish. Often, the second kind of noble obstacle shows up in finances.

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

A Marxist historian would say that industries grew up and remained in an area because there was a plentiful supply of a certain necessary item. The existence of coal and steel in the Midlands led to the engineering industry being based there, a humid climate meant cotton was woven in Lancashire, and finance was located in the City of London because of a plentiful supply of hard-hearted and cruel individuals.

Since none of the banks trusted Trump, the objective Leventhal evaluation was central to understanding the actual state of Trump’s finances. The Leventhal report showed that Trump was no billionaire: he had a net worth of minus $295 million. My story on that report ran across the front page of the Philadelphia Inquirer with the headline: “Bankers Say Trump May Be Worth Less Than Zero.” The lead sentence was, “You may well be worth more than Donald Trump.” Trump

Say Joe what’s the dope about this war business?” “I guess they are in for it this time. . . . I’ve known it was coming ever since the Agadir incident.” “Jez I like to see somebody wallop the pants off England after the way they wont give home rule to Ireland.” “We’d have to help em. . . . Any way I dont see how this can last long. The men who control international finance wont allow it. After all it’s the banker who holds the purse strings.” “We wouldn’t come to the help of England, no sir, not after the way they acted in Ireland and in the Revolution and in the Civil War. . . . ” “Joey you’re getting all choked up with that history you’re reading up in the public library every night. . . . You follow the stock quotations and keep on your toes and dont let em fool you with all this newspaper talk about strikes and upheavals and socialism. . . . I’d like to see you make good Joey. . . . Well I guess I’d better be going.

... when Warner Bros. cancelled the financing for Zoetrope, the Apocalypse Now project was abandoned for a while. After the success of American Graffiti in 1973, George wanted to revive it, but it was still too hot a topic – the war was still on – and notobdy wanted to finance something like that. So George considered his options: What did he really want to say in Apocalypse Now? The message boiled down to the ability of a small group of people to defeat a gigantic power simply by the force of their convictions. And he decided, All right, if it's politically too hot as a contemporary subject, I'll put the essence of the story in outer space and make it happen in a galaxy long ago and far away. The rebel group were the North Vietnamese and the Empire was the United States. And if you have the force, no matter how small you are, you can defeat the overwhelmingly big power. Star Wars is George's transubstantiated version of Apocalypse Now.

Robert Shiller, a finance professor at Yale University, says Graham inspired his valuation approach: Shiller compares the current price of the Standard & Poor’s 500-stock index against average corporate profits over the past 10 years (after inflation). By scanning the historical record, Shiller has shown that when his ratio goes well above 20, the market usually delivers poor returns afterward; when it drops well below 10, stocks typically produce handsome gains down the road.

I knew from books, movies, and Sex and the City how I was supposed to answer. I’ve always dreamed of living here, they say. They stress the word dreamed, lengthen it, to make it sound true. I knew so many said: I came here to be a singer/dancer/actress/photographer/painter. In finance/fashion/publishing. I came here to be powerful/beautiful/wealthy. This always seemed to mean: I’m stopping here to become someone else. I said, “It really didn’t feel like a choice. Where else is there to go?

Inflation did not conjure up Hitler, any more than he, as it happened, conjured it. But it made Hitler possible. It is daring to say that without it Hitler would have achieved nothing: but so is it daring to assert that, had enormous post-war unemployment not been held at bay for years by financing the government’s deficits and by an ungoverned credit policy, bloody revolution would have occurred, leading presumably to an equally bloody civil war whose outcome can only be guessed at. In all these matters, it was anyway touch and go.

Estimates suggest that $7.6 trillion of wealth is hidden in tax havens all over the world. The international finance sector acts as a 'circulation system for criminal money acquired through drug trafficking, terrorism, piracy, human trafficking, proliferation and tax evasion.' When we look at the international financial system, we don't find a free-market paradise. Instead, we find incredibly powerful institutions in both the public and private sector shaping the conditions faced by everyone else. Financial institutions 'dress themselves up in liberal trappings of the market, yet capture the old sovereignty of the state all the better to squeeze the social body to feed their own profits.' Yet all this power is held without any democratic accountability. Politicians, technocrats, and financiers work together to decide everything from the interest rates we pay on our loans to who gets what when a state files for bankruptcy. If everyone had a say in determining how these rules were made and enforced, rather than just a privileged few, we'd live in a very different world.

Elon . . . gave a speech, saying we would work on Saturdays and Sundays and sleep under desks until it got done,” said Ryan Popple, the director of finance at Tesla. “Someone pushed back from the table and argued that everyone had been working so hard just to get the car done, and they were ready for a break and to see their families. Elon said, ‘I would tell those people they will get to see their families a lot when we go bankrupt.’ I was like, ‘Wow,’ but I got it. I had come out of a military culture, and you just have to make your objective happen.

A friend of ours from the world of high finance always says that the poor are like hedge-fund managers—they live with huge amounts of risk. The only difference is in their levels of income. In fact, he grossly understates the case: No hedge-fund manager is liable for 100 percent of his losses, unlike almost every small business owner and small farmer. Moreover, the poor often have to raise all of the capital for their businesses, either out of the accumulated “wealth” of their families or by borrowing from somewhere, a circumstance most hedge-fund managers never have to face.

As to the general situation, he (Pericles) repeated his previous advice; they must prepare for war and bring their property from the country into the city; they must defend their walls but not go out to battle; they should also equip for service the fleet in which lay their strength.Their allies should be kept well in hand, for their power depended on the revenues which they derived from them; military successes were generally gained by a wise policy and command of money.The state of their finances was encouraging; they had on an average six hundred talents of tribute coming in annually from their allies, to say nothing of their other revenue; and there were still remaining in the Acropolis six thousand talents of coined silver.(The whole amount had once been as much as nine thousand seven hundred talents, but from this had to be deducted a sum of three thousand seven hundred expended on various buildings, such as the Propylaea of the Acropolis, and also on the siege of Potidaea.) Moreover there was uncoined gold and silver in the form of private and public offerings, sacred vessels used in processions and games, the Persian spoil and other things of the like nature, worth at least five hundred talents more. (Book 2 Chapter 13.2-4)

I think we’ve nailed how to say what we don’t want, but we find it much harder to articulate what we do want—let alone how to achieve it. The protests and the organizing in the wake of the killing of George Floyd have shown us in no uncertain terms that a great thirst for change exists. But it’s not so much that there is too much to do, it’s more that we require a new, far more expansive, approach to understanding what we want to achieve and the steps necessary to take us there. As the scholar George Lipsitz cautions, “Good intentions and spontaneity are not adequate in the face of relentlessly oppressive and powerful well-financed military and economic political systems.”3

Toyota wasn’t really worried that it would give away its “secret sauce.” Toyota’s competitive advantage rested firmly in its proprietary, complex, and often unspoken processes. In hindsight, Ernie Schaefer, a longtime GM manager who toured the Toyota plant, told NPR’s This American Life that he realized that there were no special secrets to see on the manufacturing floors. “You know, they never prohibited us from walking through the plant, understanding, even asking questions of some of their key people,” Schaefer said. “I’ve often puzzled over that, why they did that. And I think they recognized we were asking the wrong questions. We didn’t understand this bigger picture.” It’s no surprise, really. Processes are often hard to see—they’re a combination of both formal, defined, and documented steps and expectations and informal, habitual routines or ways of working that have evolved over time. But they matter profoundly. As MIT’s Edgar Schein has explored and discussed, processes are a critical part of the unspoken culture of an organization. 1 They enforce “this is what matters most to us.” Processes are intangible; they belong to the company. They emerge from hundreds and hundreds of small decisions about how to solve a problem. They’re critical to strategy, but they also can’t easily be copied. Pixar Animation Studios, too, has openly shared its creative process with the world. Pixar’s longtime president Ed Catmull has literally written the book on how the digital film company fosters collective creativity2—there are fixed processes about how a movie idea is generated, critiqued, improved, and perfected. Yet Pixar’s competitors have yet to equal Pixar’s successes. Like Toyota, Southern New Hampshire University has been open with would-be competitors, regularly offering tours and visits to other educational institutions. As President Paul LeBlanc sees it, competition is always possible from well-financed organizations with more powerful brand recognition. But those assets alone aren’t enough to give them a leg up. SNHU has taken years to craft and integrate the right experiences and processes for its students and they would be exceedingly difficult for a would-be competitor to copy. SNHU did not invent all its tactics for recruiting and serving its online students. It borrowed from some of the best practices of the for-profit educational sector. But what it’s done with laser focus is to ensure that all its processes—hundreds and hundreds of individual “this is how we do it” processes—focus specifically on how to best respond to the job students are hiring it for. “We think we have advantages by ‘owning’ these processes internally,” LeBlanc says, “and some of that is tied to our culture and passion for students.

Let me tell you what my role is, as a death doula,” I say, leaning forward. “I’m here to assist you and make sure your needs are met right now. I can help you with anything that’s left undone—I can work with you to plan a funeral; I can help you organize your will or your finances; I can clean your garage if the clutter is driving you crazy. I can comb through a storage facility if there’s a picture in there of your grandmother you really want to see. I can take you to see an opera one more time, or read Fifty Shades of Grey out loud to you. I can organize your social media accounts so that your friends know you’ve died, when the time comes. I can help move you outside, so you can watch the birds.” I

I could go on all week about how your tax money is being used, but let it suffice for me to say it is not being used to help you or yours. You are getting no return on your investment. This is what taxes are supposed to be all about, an investment in the community, the society, a pooling of each individual’s resources so that the administration can be financed, so that the administration can perform the jobs which must be done to ensure public welfare, and the jobs which no individual can do well alone. Now it follows that if everyone pays, everyone should get proper returns. The streetlights should be the same in Watts and Bel Air. It seems that some dereliction of duty has indeed taken place. George

A 1997 study of the consumer product design firm IDEO found that most of the company’s biggest successes originated as “combinations of existing knowledge from disparate industries.” IDEO’s designers created a top-selling water bottle, for example, by mixing a standard water carafe with the leak-proof nozzle of a shampoo container. The power of combining old ideas in new ways also extends to finance, where the prices of stock derivatives are calculated by mixing formulas originally developed to describe the motion of dust particles with gambling techniques. Modern bike helmets exist because a designer wondered if he could take a boat’s hull, which can withstand nearly any collision, and design it in the shape of a hat. It even reaches to parenting, where one of the most popular baby books—Benjamin Spock’s The Common Sense Book of Baby and Child Care, first published in 1946—combined Freudian psychotherapy with traditional child-rearing techniques. “A lot of the people we think of as exceptionally creative are essentially intellectual middlemen,” said Uzzi. “They’ve learned how to transfer knowledge between different industries or groups. They’ve seen a lot of different people attack the same problems in different settings, and so they know which kinds of ideas are more likely to work.” Within sociology, these middlemen are often referred to as idea or innovation brokers. In one study published in 2004, a sociologist named Ronald Burt studied 673 managers at a large electronics company and found that ideas that were most consistently ranked as “creative” came from people who were particularly talented at taking concepts from one division of the company and explaining them to employees in other departments. “People connected across groups are more familiar with alternative ways of thinking and behaving,” Burt wrote. “The between-group brokers are more likely to express ideas, less likely to have ideas dismissed, and more likely to have ideas evaluated as valuable.” They were more credible when they made suggestions, Burt said, because they could say which ideas had already succeeded somewhere else.

Collectively, they, and not Magellan, would have the final say over the disposition of the fleet and its finances. They, and not Magellan, would decide the allocation of personnel and resources. Magellan still held the rank of Captain General, it was true, but it was reduced in power; from Fonseca’s point of view, Magellan served at the pleasure of his Castilian captains, rather than the other way around. The arrangement made it impossible for Magellan and his captains to make decisions in the best of circumstances, even if they felt goodwill toward one another. And if they lacked mutual trust and respect, which was far more likely to be the case, it set the stage for endless challenges to Magellan’s authority, in other words, for mutiny.

The military actively encouraged, when it did not finance directly, the giant cyclotrons, betatrons, synchrotrons, and synchrocyclotrons, any one of which consumed more steel and electricity than a prewar experimentalist could have imagined. These were not so much crumbs from the weapons-development table as they were blank checks from officials persuaded that physics worked miracles. Who could say what was impossible? Free energy? Time travel? Antigravity? In 1954 the secretary of the army invited Feynman to serve as a paid consultant on an army scientific advisory panel, and he agreed, traveling to Washington for several days in November. At a cocktail party after one session, a general confided that what the army really needed was a tank that could use sand as fuel.

Hitler, then, as his future Reichsbank president and Minister of Economics says, was beginning to see the men in Germany who had the money, and he was telling them more or less what they wanted to hear. The party needed large sums to finance election campaigns, pay the bill for its widespread and intensified propaganda, meet the payroll of hundreds of full-time officials and maintain the private armies of the S.A. and the S.S., which by the end of 1930 numbered more than 100,000 men—a larger force than the Reichswehr. The businessmen and the bankers were not the only financial sources—the, party raised sizable sums from dues, assessments, collections and the sale of party newspapers, books and periodicals—but they were the largest. And the more money they gave the Nazis, the less they would have for the other conservative parties which they had been supporting hitherto.

Don’t underestimate what you have. It may look small and insignificant. Compared to what you’re facing, perhaps it seems utterly useless. All the odds are against you. But when God breathes on your life, the odds dramatically change. You and God are a majority. God can open doors that should have never opened in the natural. God can take you beyond where your talent and your education say you should be. God can make a way even when you don’t see a way. It’s not enough just to have faith in God. That’s important, but you have to have faith in what God has given you. You are not lacking. You were not shortchanged. You are not at a disadvantage. The Creator of the universe is breathing on your life. He is breathing on your health, breathing on your finances, breathing on your marriage. If you will be confident in what God has given you, He can take what looks like little and turn it into much.

That City of yours is a morbid excrescence. Wall Street is a morbid excrescence. Plainly it's a thing that has grown out upon the social body rather like -- what do you call it? -- an embolism, thrombosis, something of that sort. A sort of heart in the wrong place, isn't it? Anyhow -- there it is. Everything seems obliged to go through it now; it can hold up things, stimulate things, give the world fever or pain, and yet all the same -- is it necessary, Irwell? Is it inevitable? Couldn't we function economically quite as well without it? Has the world got to carry that kind of thing for ever? "What real strength is there in a secondary system of that sort? It's secondary, it's parasitic. It's only a sort of hypertrophied, uncontrolled counting-house which has become dominant by falsifying the entries and intercepting payment. It's a growth that eats us up and rots everything like cancer. Financiers make nothing, they are not a productive department. They control nothing. They might do so, but they don't. They don't even control Westminster and Washington. They just watch things in order to make speculative anticipations. They've got minds that lie in wait like spiders, until the fly flies wrong. Then comes the debt entanglement. Which you can break, like the cobweb it is, if only you insist on playing the wasp. I ask you again what real strength has Finance if you tackle Finance? You can tax it, regulate its operations, print money over it without limit, cancel its claims. You can make moratoriums and jubilees. The little chaps will dodge and cheat and run about, but they won't fight. It is an artificial system upheld by the law and those who make the laws. It's an aristocracy of pickpocket area-sneaks. The Money Power isn't a Power. It's respectable as long as you respect it, and not a moment longer. If it struggles you can strangle it if you have the grip...You and I worked that out long ago, Chiffan... "When we're through with our revolution, there will be no money in the world but pay. Obviously. We'll pay the young to learn, the grown-ups to function, everybody for holidays, and the old to make remarks, and we'll have a deuce of a lot to pay them with. We'll own every real thing; we, the common men. We'll have the whole of the human output in the market. Earn what you will and buy what you like, we'll say, but don't try to use money to get power over your fellow-creatures. No squeeze. The better the economic machine, the less finance it will need. Profit and interest are nasty ideas, artificial ideas, perversions, all mixed up with betting and playing games for money. We'll clean all that up..." "It's been going on a long time," said Irwell. "All the more reason for a change," said Rud.

This vision is very much in line with the views of the economist John Kay in his book Other People’s Money (2015). As he says, stock markets, when first started, were the vehicles for raising finance often for large infrastructure projects (typically railways) from many dispersed shareholders. But markets no longer provide this function. Almost no new projects are financed via the stock market. (Indeed, the observation that few early-state companies come to the stock market for financing rather confirms the hypothesis that stock markets have significant problems dealing with them.) Rather, stock market trading is dominated by large asset managers trading with each other. In Kay’s view, they are searching for returns over and above those available to the market as a whole (searching for “alpha”) by trying to anticipate what others are thinking about the value of assets rather than the value of the underlying assets themselves.

PERSONAL BILL OF RIGHTS FOR MY RELATIONSHIPS 1. I have a right to be treated with courtesy and respect. 2. I have a right to be the only romantic or sexual interest in my partner’s life. 3. I have a right to be informed about our assets, manage my own finances, and choose how I spend my money. 4. I have a right to have a say in decisions that affect myself and my family. 5. I have a right to be wrong and make mistakes without being punished or humiliated. 6. I have the right to live without emotional or physical violence. 7. I have the right to voice my opinion respectfully without retribution. 8. I have the right to have my personal property treated with respect. 9. I have the right to talk to others about matters that affect me. 10. I have the right to choose my own friends. 11. I have the right to enjoy myself. 12. I have the right to live without guns or pornography in my house. 13. My children have the right to be treated with respect and dignity. (Adapted from Cooper & Cooper, 2008)

On another night, in a different dream I was asking a question. “How is it that you say all are equal, yet the obvious contradictions smack us in the face: inequalities in virtues, temperances, finances, rights, abilities and talents, intelligence, mathematical aptitude, ad infinitum?” The answer was a metaphor. “It is as if a large diamond were to be found inside each person. Picture a diamond a foot long. The diamond has a thousand facets, but the facets are covered with dirt and tar. It is the job of the soul to clean each facet until the surface is brilliant and can reflect a rainbow of colors. “Now, some have cleaned many facets and gleam brightly. Others have only managed to clean a few; they do not sparkle so. Yet, underneath the dirt, each person possesses within his or her breast a brilliant diamond with a thousand gleaming facets. The diamond is perfect, not one flaw. The only differences among people are the number of facets cleaned. But each diamond is the same, and each is perfect.

2. Planning is important, but the most important part of every plan is to plan on the plan not going according to plan. What’s the saying? You plan, God laughs. Financial and investment planning are critical, because they let you know whether your current actions are within the realm of reasonable. But few plans of any kind survive their first encounter with the real world. If you’re projecting your income, savings rate, and market returns over the next 20 years, think about all the big stuff that’s happened in the last 20 years that no one could have foreseen: September 11th, a housing boom and bust that caused nearly 10 million Americans to lose their homes, a financial crisis that caused almost nine million to lose their jobs, a record-breaking stock-market rally that ensued, and a coronavirus that shakes the world as I write this. A plan is only useful if it can survive reality. And a future filled with unknowns is everyone’s reality. A good plan doesn’t pretend this weren’t true; it embraces it and emphasizes room for error. The more you need specific elements of a plan to be true, the more fragile your financial life becomes. If there’s enough room for error in your savings rate that you can say, “It’d be great if the market returns 8% a year over the next 30 years, but if it only does 4% a year I’ll still be OK,” the more valuable your plan becomes. Many bets fail not because they were wrong, but because they were mostly right in a situation that required things to be exactly right. Room for error—often called margin of safety—is one of the most underappreciated forces in finance. It comes in many forms: A frugal budget, flexible thinking, and a loose timeline—anything that lets you live happily with a range of outcomes. It’s different from being conservative. Conservative is avoiding a certain level of risk. Margin of safety is raising the odds of success at a given level of risk by increasing your chances of survival. Its magic is that the higher your margin of safety, the smaller your edge needs to be to have a favorable outcome.

Somebody had been doing some major league tampering to my car. The brake lines were cut. The tires were on fire. There was carbon monoxide coming out of everything. And the radio was tuned to a station I didn’t like. I had to tip my booby-trapped hat to whoever tampered with this car. I was late with my payments on the car anyway, and it looked like a lot of repair work was going to have to be done no matter how this came out, so I figured let the finance company worry about it. I called them up on my cell phone, told them where the car was, and jumped out. I was going over sixty at the time, but luckily I didn't hit the ground. There was a cliff there and I just went harmlessly over that. But just when you’re sailing along, thinking everything is going to be okay, something unexpected comes along to jar you out of your complacency. For me, in this case, it was the bottom of the cliff. I got bruised up pretty bad – they say I bounced for an hour - but luckily no bones were broken. That's where that protective layer of fat I was telling you about comes in.

Thiel, the PayPal cofounder who had invested in SpaceX, holds a conference each year with the leaders of companies financed by his Founders Fund. At the 2012 gathering, Musk met Demis Hassabis, a neuroscientist, video-game designer, and artificial intelligence researcher with a courteous manner that conceals a competitive mind. A chess prodigy at age four, he became the five-time champion of an international Mind Sports Olympiad that includes competition in chess, poker, Mastermind, and backgammon. In his modern London office is an original edition of Alan Turing’s seminal 1950 paper, “Computing Machinery and Intelligence,” which proposed an “imitation game” that would pit a human against a ChatGPT–like machine. If the responses of the two were indistinguishable, he wrote, then it would be reasonable to say that machines could “think.” Influenced by Turing’s argument, Hassabis cofounded a company called DeepMind that sought to design computer-based neural networks that could achieve artificial general intelligence. In other words, it sought to make machines that could learn how to think like humans.

The Proofs Human society has devised a system of proofs or tests that people must pass before they can participate in many aspects of commercial exchange and social interaction. Until they can prove that they are who they say they are, and until that identity is tied to a record of on-time payments, property ownership, and other forms of trustworthy behavior, they are often excluded—from getting bank accounts, from accessing credit, from being able to vote, from anything other than prepaid telephone or electricity. It’s why one of the biggest opportunities for this technology to address the problem of global financial inclusion is that it might help people come up with these proofs. In a nutshell, the goal can be defined as proving who I am, what I do, and what I own. Companies and institutions habitually ask questions—about identity, about reputation, and about assets—before engaging with someone as an employee or business partner. A business that’s unable to develop a reliable picture of a person’s identity, reputation, and assets faces uncertainty. Would you hire or loan money to a person about whom you knew nothing? It is riskier to deal with such people, which in turn means they must pay marked-up prices to access all sorts of financial services. They pay higher rates on a loan or are forced by a pawnshop to accept a steep discount on their pawned belongings in return for credit. Unable to get bank accounts or credit cards, they cash checks at a steep discount from the face value, pay high fees on money orders, and pay cash for everything while the rest of us enjoy twenty-five days interest free on our credit cards. It’s expensive to be poor, which means it’s a self-perpetuating state of being. Sometimes the service providers’ caution is dictated by regulation or compliance rules more than the unwillingness of the banker or trader to enter a deal—in the United States and other developed countries, banks are required to hold more capital against loans deemed to be of poor quality, for example. But many other times the driving factor is just fear of the unknown. Either way, anything that adds transparency to the multi-faceted picture of people’s lives should help institutions lower the cost of financing and insuring them.

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

Since Modi's Mumbai sign-off, much commentary has been focused on the brand-dilution potential inherent in its scandals. MS Dhoni doesn't think we should worry: 'IPL as a brand can survive on its own.' Shilpa Shetty, 'brand ambassador' of the Rajasthan Royals, tweets that we should: 'Custodians of Cricket must not hamper d Brandvalue of this viable sport.' Hampering d Brandvalue, insists new IPL boss Chirayu Amin, is the furthest thing from his mind: 'IPL's brand image is strong and nobody can touch that.' Harsha Bhogle, however, frets for the nation: 'Within the cricket world, Brand India will take a hit.' Not much more than a week after Modi's first tell-all tweets, the media was anxiously consulting Brand Finance's managing director, Unni Krishnan. Had there been any brand dilution yet? It was, said the soothsayer gravely, 'too early to say'. He could, however, confirm the following: 'The wealth that can be created by the brand is going to be substantially significant for many stakeholders. A conducive ecosystem has to be created to move the brand to the next level… We have to build the requisite bandwidth to monetise these opportunities.' Er, yeah… what he said. Anyway, placing a value on the IPL brand has clearly been quite beneficial to Brand Finance's brand.

opportunities inherent in the logic of the system. The American system of government has never separated money from political power, and in the two decades before Trump’s election, the role of money in American politics had grown manifold. Elections are decided by money: unlike in many other democracies, where electoral campaigns last from several weeks to a few months, are financed by government grants and/or subjected to strict spending limits—in the United States, it is contributions from the private sector that allow campaigns to exist in the first place. National and state party machines reinforce this system by apportioning access to public debates on the basis of the amount of money a candidate has secured. Access to media, which is to say, access to voters, also costs money: where in many democracies media are bound by obligations to provide airtime to candidates, in America the primary vehicle for addressing voters is through paid advertisements. No one in the political mainstream seemed to think anything was wrong with the marriage of money and politics. Former elected officials went to work as lobbyists. Using campaign contributions and lobbying to create (or kill) laws was normal. Power begat more money, and money begat more power. We could call the system that preceded and precipitated Trump’s rise an oligarchy, and we would be right.

Your Bible makes more than a hundred references to the Holy Spirit. Jesus says more about the Spirit than he does about the church, marriage, finances, and the future. Why the emphasis on him? God does not want a bunch of stressed-out, worn-out, done-in, and washed-up children representing him in the world. He wants us to be fresher day by day, hour by hour. But let’s be careful. The topic of the Holy Spirit seems to bring out the extremists among us. On one hand there are the show-offs. These are the people who make us feel unspiritual by appearing super-spiritual. They are buddy-buddy with the Spirit, wear a backstage pass, and want everyone to see their healing gifts, hear their mystical tongue. They make a ministry out of making others feel less than godly. They like to show off. On the opposite extreme is the Spirit Patrol. They clamp down on anything that seems out of line or out of control. They are self-deputized hall monitors of the supernatural. If an event can’t be explained, they dismiss it. Somewhere in between is the healthy saint. He has a childlike heart. She has a high regard for Scripture. He is open to fresh strength. She is discerning and careful. Both he and she seek to follow the Spirit. They clutch with both hands this final promise of Jesus: “You shall receive power when the Holy Spirit has come upon you” (Acts 1:8 NKJV). God

23 When He Carries a Heavy Burden Bear one another’s burdens, and so fulfill the law of Christ. GALATIANS 6:2 SOCIETY PUTS A LOT OF WEIGHT on a man’s shoulders. It is his burden to earn the finances to support his family. He is expected to do well at his work and on his job. There are so many expectations of him in that regard that he feels the pressure of it constantly. That’s why you read about so many men committing suicide when they are in serious financial trouble. The burden is too great. Few women commit suicide for financial failure. If you or I fell into financial ruin, we would just sell everything, pay off all the debts we could, get a job, and start over. Men can feel the burden of failure in life-threatening ways. That’s why your husband needs your prayers to keep his burdens lifted. One of the best ways to bear your husband’s burden is to pray for him about whatever heavy load he is carrying. Every time you do, pray especially for what burdens him the most. One of the most effective things you can do is let him know you are praying for him and ask him to tell you what his burdens are. He may reveal something you didn’t even know was bothering him. God’s Word says that sometimes our burden comes from the oppressor. The children of Israel had an oppressor, and they were overtaken by this oppressor because of their own disobedience. But God promised that the burden the oppressor put on them would eventually be broken by the power of His Spirit. “It shall come to pass in that day that his burden will be taken away from your shoulder, and his yoke from your neck, and the yoke will be destroyed because of the anointing oil” (Isaiah 10:27). The anointing oil refers to a work of the Holy Spirit. Your prayers can invite the Holy Spirit to break any burden of the oppressor off of your husband’s shoulders. You will be fulfilling the “law of Christ” every time you pray like that, not to mention how it will secure your husband’s devotion. My Prayer to God LORD, I pray my husband will be able to fully release his burdens to You. I know that when we cast our burdens on You, You will sustain us and not allow us to be shaken (Psalm 55:22 NASB). Help me to bear his burdens in prayer and in any other way You reveal to me. Show me what his greatest burden is and what I can do to lighten it. I ask that You would relieve him of his heavy load by Your presence in his life. Enable him to understand that when he yokes up with You, You will carry the burden for him. I pray that when he is oppressed by the enemy, whatever prayer or supplication is made by him—when he acknowledges his own burdens before You and turns to You for help—that You will hear him (2 Chronicles 6:29-30). I also pray that as You take his burden from him, he will know it’s You doing the heavy lifting. In Jesus’ name I pray.

Many college courses in the humanities focus on discussion over lecture. Students read course material ahead of time and have a discussion in class. Harvard Business School took this to the extreme by pioneering case-based learning more than a hundred years ago, and many business schools have since followed suit. There are no lectures there, not even in subjects like accounting or finance. Students read a ten-to twenty-page description of a particular company’s or person’s circumstance—called a “case”—on their own time and then participate in a discussion/debate in class (where attendance is mandatory). Professors are there to facilitate the discussion, not to dominate it. I can tell you from personal experience that despite there being eighty students in the room, you cannot zone out. Your brain is actively processing what your peers are saying while you try to come to your own conclusions so that you can contribute during the entire eighty-minute session. The time goes by faster than you want it to; students are more engaged than in any traditional classroom I’ve ever been a part of. Most importantly, the ideas that you and your peers collectively generate stick. To this day, comments and ways of thinking about a problem that my peers shared with me (or that I shared during class) nearly ten years ago come back to me as I try to help manage the growth and opportunities surrounding the Khan Academy.

When we talk about finding or having found our soul mate (if we do), we do not believe ourselves to be immersed in the capitalist economy. But this is an even more important terrain for capitalism than the convenience store where we buy a soda and candy bar or the stock exchange floor where companies are financed. The idea of the soul mate plays a crucial role in the promulgation of consumption. If I believe that a perfect commodity exists in the romantic field, this changes my relationship to all commodities. Commodities become more attractive insofar as each one stands in for the perfect partner. Though a hammer at the hardware store most likely cannot function as my soul mate, I will find more pleasure in purchasing it with the idea of an ideal commodity informing the purchase, and this is what the soul mate provides. That is to say, the idea of the soul mate underwrites all consumption within the capitalist universe. The soul mate is the commodity in the form of the subject’s complement. This is why the idea of the soul mate has such importance for capitalism. The subject experiences itself as lacking whenever it desires, and no object can fill this lack. But the promise of the soul mate is the promise of completion, an object that would complement the lacking subject perfectly and thereby ameliorate its lack. No such complement exists outside of ideological fantasies, but capitalism requires subjects who invest themselves in such fantasies.

Paper money, virtually unknown in the West until Marco’s return, revolutionized finance and commerce throughout the West. Coal, another item that had caught Marco’s attention in China, provided a new and relatively efficient source of heat to an energy-starved Europe. Eyeglasses (in the form of ground lenses), which some accounts say he brought back with him, became accepted as a remedy for failing eyesight. In addition, lenses gave rise to the telescope—which in turn revolutionized naval battles, since it allowed combatants to view ships at a great distance—and the microscope. Two hundred years later, Galileo used the telescope—based on the same technology—to revolutionize science and cosmology by supporting and disseminating the Copernican theory that Earth and other planets revolved around the Sun. Gunpowder, which the Chinese had employed for at least three centuries, revolutionized European warfare as armies exchanged their lances, swords, and crossbows for cannon, portable harquebuses, and pistols. Marco brought back gifts of a more personal nature as well. The golden paiza, or passport, given to him by Kublai Khan had seen him through years of travel, war, and hardship. Marco kept it still, and would to the end of his days. He also brought back a Mongol servant, whom he named Peter, a living reminder of the status he had once enjoyed in a far-off land. In all, it is difficult to imagine the Renaissance—or, for that matter, the modern world—without the benefit of Marco Polo’s example of cultural transmission between East and West.

Equity financing, on the other hand, is unappealing to cooperators because it may mean relinquishing control to outside investors, which is a distinctly capitalist practice. Investors are not likely to buy non-voting shares; they will probably require representation on the board of directors because otherwise their money could potentially be expropriated. “For example, if the directors of the firm were workers, they might embezzle equity funds, refrain from paying dividends in order to raise wages, or dissipate resources on projects of dubious value.”105 In any case, the very idea of even partial outside ownership is contrary to the cooperative ethos. A general reason for traditional institutions’ reluctance to lend to cooperatives, and indeed for the rarity of cooperatives whether related to the difficulty of securing capital or not, is simply that a society’s history, culture, and ideologies might be hostile to the “co-op” idea. Needless to say, this is the case in most industrialized countries, especially the United States. The very notion of a workers’ cooperative might be viscerally unappealing and mysterious to bank officials, as it is to people of many walks of life. Stereotypes about inefficiency, unprofitability, inexperience, incompetence, and anti-capitalism might dispose officials to reject out of hand appeals for financial assistance from co-ops. Similarly, such cultural preconceptions may be an element in the widespread reluctance on the part of working people to try to start a cooperative. They simply have a “visceral aversion” to, and unfamiliarity with, the idea—which is also surely a function of the rarity of co-ops itself. Their rarity reinforces itself, in that it fosters a general ignorance of co-ops and the perception that they’re risky endeavors. Additionally, insofar as an anti-democratic passivity, a civic fragmentedness, a half-conscious sense of collective disempowerment, and a diffuse interpersonal alienation saturate society, this militates against initiating cooperative projects. It is simply taken for granted among many people that such things cannot be done. And they are assumed to require sophisticated entrepreneurial instincts. In most places, the cooperative idea is not even in the public consciousness; it has barely been heard of. Business propaganda has done its job well.106 But propaganda can be fought with propaganda. In fact, this is one of the most important things that activists can do, this elevation of cooperativism into the public consciousness. The more that people hear about it, know about it, learn of its successes and potentials, the more they’ll be open to it rather than instinctively thinking it’s “foreign,” “socialist,” “idealistic,” or “hippyish.” If successful cooperatives advertise their business form, that in itself performs a useful service for the movement. It cannot be overemphasized that the most important thing is to create a climate in which it is considered normal to try to form a co-op, in which that is seen as a perfectly legitimate and predictable option for a group of intelligent and capable unemployed workers. Lenders themselves will become less skeptical of the business form as it seeps into the culture’s consciousness.

To suggest, as Shine does, that my father was in some way mean-spirited is totally unfair. Holding back David’s career was not in the least my father’s aim. He was extremely proud of his son and nurtured his talent in every way. He was David’s strongest advocate. But allowing any boy who had just turned fourteen to live by himself so far away without proper provisions being made for him would have been irresponsible, to say the least. In David’s case, it would have been particularly inappropriate. He had never been abroad before; he was completely hopeless in practical matters; and he needed to be looked after, cooked for, and cared for. He was also by that time behaving rather erratically, although of course we did not know then that these may have been the first signs of a serious mental illness. My father’s attitude was proved correct: when David did go to London of his own volition four years later, he fell ill and ended up receiving psychiatric care. In any case there simply wasn’t enough money available to finance the trip to America. Contrary to what is related in Shine, where my father and Mr. Rosen decide that David should have a bar mitzvah as a method of raising money for this trip, David had already had his bar mitzvah almost a year earlier, when he turned thirteen, the usual age for this ceremony. His bar mitzvah had nothing to do with “digging for gold,” as Mr. Rosen puts it in Shine, in one of several offensive references in the film to Jews or Judaism. My father may not have been an Orthodox Jew himself, but he still had a strong desire to hold onto the basic tenets of Jewish tradition and to pass them on to his children.

It's hard to form a lasting connection when your permanent address is an eight-inch mailbox in the UPS store. Still,as I inch my way closer, I can't help the way my breath hitches, the way my insides thrum and swirl. And when he turns,flashing me that slow, languorous smile that's about to make him world famous,his eyes meeting mine when he says, "Hey,Daire-Happy Sweet Sixteen," I can't help but think of the millions of girls who would do just about anything to stand in my pointy blue babouches. I return the smile, flick a little wave of my hand, then bury it in the side pocket of the olive-green army jacket I always wear. Pretending not to notice the way his gaze roams over me, straying from my waist-length brown hair peeking out from my scarf, to the tie-dyed tank top that clings under my jacket,to the skinny dark denim jeans,all the way down to the brand-new slippers I wear on my feet. "Nice." He places his foot beside mine, providing me with a view of the his-and-hers version of the very same shoe. Laughing when he adds, "Maybe we can start a trend when we head back to the States.What do you think?" We. There is no we. I know it.He knows it.And it bugs me that he tries to pretend otherwise. The cameras stopped rolling hours ago, and yet here he is,still playing a role. Acting as though our brief, on-location hookup means something more. Acting like we won't really end long before our passports are stamped RETURN. And that's all it takes for those annoyingly soft girly feelings to vanish as quickly as a flame in the rain. Allowing the Daire I know,the Daire I've honed myself to be, to stand in her palce. "Doubtful." I smirk,kicking his shoe with mine.A little harder then necessary, but then again,he deserves it for thinking I'm lame enough to fall for his act. "So,what do you say-food? I'm dying for one of those beef brochettes,maybe even a sausage one too.Oh-and some fries would be good!" I make for the food stalls,but Vane has another idea. His hand reaches for mine,fingers entwining until they're laced nice and tight. "In a minute," he says,pulling me so close my hip bumps against his. "I thought we might do something special-in honor of your birthday and all.What do you think about matching tattoos?" I gape.Surely he's joking. "Yeah,you know,mehndi. Nothing permanent.Still,I thought it could be kinda cool." He arcs his left brow in his trademark Vane Wick wau,and I have to fight not to frown in return. Nothing permanent. That's my theme song-my mission statement,if you will. Still,mehndi's not quite the same as a press-on. It has its own life span. One that will linger long after Vane's studio-financed, private jet lifts him high into the sky and right out of my life. Though I don't mention any of that, instead I just say, "You know the director will kill you if you show up on set tomorrow covered in henna." Vane shrugs. Shrugs in a way I've seen too many times, on too many young actors before him.He's in full-on star-power mode.Think he's indispensable. That he's the only seventeen-year-old guy with a hint of talent,golden skin, wavy blond hair, and piercing blue eyes that can light up a screen and make the girls (and most of their moms) swoon. It's a dangerous way to see yourself-especially when you make your living in Hollywood. It's the kind of thinking that leads straight to multiple rehab stints, trashy reality TV shows, desperate ghostwritten memoirs, and low-budget movies that go straight to DVD.

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

Variations on a tired, old theme Here’s another example of addict manipulation that plagues parents. The phone rings. It’s the addict. He says he has a job. You’re thrilled. But you’re also apprehensive. Because you know he hasn’t simply called to tell you good news. That kind of thing just doesn’t happen. Then comes the zinger you knew would be coming. The request. He says everybody at this company wears business suits and ties, none of which he has. He says if you can’t wire him $1800 right away, he won’t be able to take the job. The implications are clear. Suddenly, you’ve become the deciding factor as to whether or not the addict will be able to take the job. Have a future. Have a life. You’ve got that old, familiar sick feeling in the pit of your stomach. This is not the child you gladly would have financed in any way possible to get him started in life. This is the child who has been strung out on drugs for years and has shown absolutely no interest in such things as having a conventional job. He has also, if you remember correctly, come to you quite a few times with variations on this same tired, old story. One variation called for a car so he could get to work. (Why is it that addicts are always being offered jobs in the middle of nowhere that can’t be reached by public transportation?) Another variation called for the money to purchase a round-trip airline ticket to interview for a job three thousand miles away. Being presented with what amounts to a no-choice request, the question is: Are you going to contribute in what you know is probably another scam, or are you going to say sorry and hang up? To step out of the role of banker/victim/rescuer, you have to quit the job of banker/victim/rescuer. You have to change the coda. You have to forget all the stipulations there are to being a parent. You have to harden your heart and tell yourself parenthood no longer applies to you—not while your child is addicted. Not an easy thing to do. P.S. You know in your heart there is no job starting on Monday. But even if there is, it’s hardly your responsibility if the addict goes well dressed, badly dressed, or undressed. Facing the unfaceable: The situation may never change In summary, you had a child and that child became an addict. Your love for the child didn’t vanish. But you’ve had to wean yourself away from the person your child has become through his or her drugs and/ or alcohol abuse. Your journey with the addicted child has led you through various stages of pain, grief, and despair and into new phases of strength, acceptance, and healing. There’s a good chance that you might not be as healthy-minded as you are today had it not been for the tribulations with the addict. But you’ll never know. The one thing you do know is that you wouldn’t volunteer to go through it again, even with all the awareness you’ve gained. You would never have sacrificed your child just so that you could become a better, stronger person. But this is the way it has turned out. You’re doing okay with it, almost twenty-four hours a day. It’s just the odd few minutes that are hard to get through, like the ones in the middle of the night when you awaken to find that the grief hasn’t really gone away—it’s just under smart, new management. Or when you’re walking along a street or in a mall and you see someone who reminds you of your addicted child, but isn’t a substance abuser, and you feel that void in your heart. You ache for what might have been with your child, the happy life, the fulfilled career. And you ache for the events that never took place—the high school graduation, the engagement party, the wedding, the grandkids. These are the celebrations of life that you’ll probably never get to enjoy. Although you never know. DON’T LET    YOUR KIDS  KILL  YOU  A Guide for Parents of Drug and Alcohol Addicted Children PART 2

This view seems to us an example of the kind of egalitarianism discussed in the preceding chapter: letting parents spend money on riotous living but trying to prevent them from spending money on improving the schooling of their children. It is particularly remarkable coming from Coons and Sugarman, who elsewhere say, "A commitment to equality at the deliberate expense of the development of individual children seems to us the final corruption of whatever is good in the egalitarian instinct"18—a sentiment with which we heartily agree. In our judgment the very poor would benefit the most from the voucher plan. How can one conceivably justify objecting to a plan, "however much it improved [the] education" of the poor, in order to avoid "government finance of" what the authors call "economic segregation," even if it could be demonstrated to have that effect? And of course, it cannot be demonstrated to have that effect. On the contrary, we are persuaded on the basis of considerable study that it would have precisely the opposite effect—though we must accompany that statement with the qualification that "economic segregation" is so vague a term that it is by no means clear what it means. The egalitarian religion is so strong that some proponents of restricted vouchers are unwilling to approve even experiments with unrestricted vouchers. Yet to our knowledge, none has ever offered anything other than unsupported assertions to support the fear that an unrestricted voucher system would foster "economic segregation." This view also seems to us another example of the tendency of intellectuals to denigrate parents who are poor. Even the very poorest can—and do—scrape up a few extra dollars to improve the quality of their children's schooling, although they cannot replace the whole of the present cost of public schooling. We suspect that add-ons would be about as frequent among the poor as among the rest, though perhaps of smaller amounts.

Mueller kicked off the meeting by pulling out a piece of paper with some notes. The attorney general and his aides believed they noticed something worrisome. Mueller’s hands shook as he held the paper. His voice was shaky, too. This was not the Bob Mueller everyone knew. As he made some perfunctory introductory remarks, Barr, Rosenstein, O’Callaghan, and Rabbitt couldn’t help but worry about Mueller’s health. They were taken aback. As Barr would later ask his colleagues, “Did he seem off to you?” Later, close friends would say they noticed Mueller had changed dramatically, but a member of Mueller’s team would insist he had no medical problems. Mueller quickly turned the meeting over to his deputies, a notable handoff. Zebley went first, summing up the Russian interference portion of the investigation. He explained that the team had already shared most of its findings in two major indictments in February and July 2018. Though they had virtually no chance of bringing the accused to trial in the United States, Mueller’s team had indicted thirteen Russian nationals who led a troll farm to flood U.S. social media with phony stories to sow division and help Trump. They also indicted twelve Russian military intelligence officers who hacked internal Democratic Party emails and leaked them to hurt Hillary Clinton’s campaign. The Trump campaign had no known role in either operation. Zebley explained they had found insufficient evidence to suggest a conspiracy, “no campaign finance [violations], no issues found. . . . We have questions about [Paul] Manafort, but we’re very comfortable saying there was no collusion, no conspiracy.” Then Quarles talked about the obstruction of justice portion. “We’re going to follow the OLC opinion and conclude it wasn’t appropriate for us to make a final determination as to whether or not there was a crime,” he said. “We’re going to report the facts, the analysis, and leave it there. We are not going to say we would indict but for the OLC opinion.

Non-Tenure Writing Jobs The MLA session on the adjunct crisis indicates where higher education has come to in the Brave New World of the 21st century. Research by the MLA itself, by Gloria McMillan, by Eileen Schell and other colleagues, already confirm the deep replacement of tenure-track faculty with contingent adjuncts and others. This crisis is deepest in composition and in community colleges. Doug Hesse’s program at Denver Univ. is no solution; it will extend the subordination of composition through sub-faculty lines while rationalizing it as “good for students"(before research has even proved it so). But, sub-faculty writing lecturers will never be treated as “real” professors by their institutions and will never be accepted as colleagues by their tenure-track peers. Such sub-faculty plans will weaken the faculty as a whole in the academy by further dividing it into competing sub-groups. Neither will a sub-faculty plan benefit the 14 million undergraduates on campus, most who attend under-funded public colleges with no billion-dollar endowments or corporate angels to turn to. Community colleges, in particular, where about 6 million students are enrolled, can have up to 65% of classes taught by adjuncts. The sub-faculty plan is thus really a management tool available in the short-term to those colleges with deep pockets and deep readiness to entrench a lesser sub-faculty in their writing programs. Doug Hesse acknowledges such an outcome as a possibility. He is quoted in the IHE report saying he was disturbed by the degree of interest other WPAs took in DU’s new sub-faculty writing program, fearing that DU was installing a “Vichy"-type model(collaborating with the authorities desire to de-tenure faculty generally and to subordinate writing instructors particularly). But, Hesse is quoted as making peace with this because he feels that sub-faculty lines for writing teachers are at least good for writing students. Even if we knew for sure this was true, why must writing teachers be the only professionals in higher education called upon to make such sacrifices? A large private grant to finance Denver University’s program($10 million for Hesse’s project)is good fortune for one campus, but it offers no model for how we can solve the national disgrace of exploited adjuncts.

That he would grant you, according to the riches of his glory, to be strengthened with might by his Spirit in the inner man; That Christ may dwell in your hearts by faith; that ye, being rooted and grounded in love, (Eph 3:16-17) I pray for you as a special child of a loving God. May every storm that has been raging in your life be abated today! May you experience calmness in every area of your life! May calmness come into your marriage, business, finances and health! May Jehovah grant you according to the riches of his glory, strength in the inner man by His Spirit! The riches of his glory are never run down; they are never depleted and never valueless. As this touches you, may intelligence be your portion, wisdom to confound the world. May knowledge become a part of your life as a member of the family of God here on earth! May you become conscious of the indwelling Christ! He lives in you; He is in every fibre of your being. He is in your bones, hair, muscles, gluttons, nerves and blood. I banish everything that is trying to invade these areas. May Christ sit as king in you, not pain, not cancer, not diabetes or any other evil disease known to man and not known to man! I command victories without number in your life. As Christ is crowned king in your life, the world will know whose you are. I pray that every place you were mocked be eradicated today. Every place were voices have been raised to mock you and to pull you down be exterminated today as you walk strengthened by His Spirit in the inner man. As the word says, He will give His angels charge over you. May angels come into battle on your behalf! I pray for the release of warring angels to fight for you, prosperity angels to gather wealth for you, angels of peace to enforce order in all the storms in your life. I pray that you be granted VIP access into secret treasures. May your prayers overcome huddles and may answers to your requests be quick and immediate. I put lines of demarcation against the devil in your life. No demon will come near your house. There is no weapon, no magic charm and no sorcery that is manufactured against you that will prosper. May your fear factor be replaced with a faith factor as you overcome every obstacle in Jesus’ name! Declaration I declare, you will not die but live to proclaim the might works of God. Your life will be a testimony for the world to witness the glory of the Lord.

When I Need to Be Delivered from Bad Habits For what I am doing, I do not understand. For what I will to do, that I do not practice; but what I hate, that I do…But now, it is no longer I who do it, but sin that dwells in me. ROMANS 7:15,17 AT ONE TIME OR ANOTHER in our lives, we women struggle with some kind of habit or behavior we don’t like, don’t want, and don’t know how to overcome. We usually know when we are doing something that is not good for our body, health, finances, or marriage, because after we do it we feel guilty to the point of self-flagellating regret. We beat ourselves up all day long about it. In the verses above, Paul describes our situation when we don’t do the things we know we should, and we do the things we know we shouldn’t. It happens when sin gets control over us, or our flesh cries loudly for what it wants, or the enemy takes advantage of our weakness and we don’t resist him. If we attempt to handle this on our own without God’s help, even if we do well for a time, we may eventually fall back into the same bad habit. Paul, however, gives us reason to hope, because a few verses later he asks, “Who will deliver me from this?” And he answers his own question saying, “Jesus Christ our Lord” (Romans 7:24-25). Jesus can set us free from all that is destructive in our lives, including our tendency toward any bad habits. The best news is that even though our own strength fails, the power of the Holy Spirit in us never fails. Ask God to set you free from any bad habit or craving that you know is not God’s will for your life. Thank Him that because of Jesus, you don’t have to give in to the dictates of your own flesh. Jesus has not only set you free, He can also help you walk in the freedom He has given you. My Prayer to God LORD, I pray You would expose any bad habits I have to Your light. Burn them out of my life. For the habit I struggle with most that I would like to see broken, help me to gain control over it so it cannot control me anymore. Show me how to rise up in the power of Your Spirit and resist this weakness head on. Take away whatever is in me that draws me to do anything that is not Your best for my life. Fill what is missing in me with more of You so that I stop trying to fill any empty place in my life with something that turns into an undesirable habit. Destroy the conflict in me that causes me to do what I don’t want to do and not do what I do want to do. Enable me to be strong and not give in to weakness. I release to You all my desires and needs, and recognize that my true need will always be for more of You. Thank You, Jesus, for setting me free from captivity to sin and delivering me from all that is not good for me, and therefore not good for my husband and children. Protect me from anything that would drive me back into old habits that only destroy my peace, health, security, and future. Lift me above my weaknesses so that Your strength will be clearly manifested in me. In Jesus’ name I pray.

Furthermore, it is not the people or the citizens who decide on what to vote, on which political program, at what time, and so on. It is the oligarchs and the oligarchic system that decide on this and that submit their choice to the vote of the electorate (in certain very specific cases). One could legitimately wonder, for instance, why there are not more referendums, and in particular referendums of popular initiative, in “democracy.” Cornelius Castoriadis perfectly described this state of affairs when he wrote: “The election is rigged, not because the ballot boxes are being stuffed, but because the options are determined in advance. They are told, ‘vote for or against the Maastricht Treaty,’ for example. But who made the Maastricht Treaty? It isn’t us.” It would thus be naive to believe that elections reflect public opinion or even the preferences of the electorate. For these oligarchic principles dominate our societies to such an extent that the nature of the choice is decided in advance. In the case of elections, it is the powerful media apparatus—financed in the United States by private interests, big business, and the bureaucratic machinery of party politics—that presents to the electorate the choices to be made, the viable candidates, the major themes to be debated, the range of possible positions, the questions to be raised and pondered, the statistical tendencies of “public opinion,” the viewpoint of experts, and the positions taken by the most prominent politicians. What we call political debate and public space (which is properly speaking a space of publicity) are formatted to such an extent that we are encouraged to make binary choices without ever asking ourselves genuine questions: we must be either for or against a particular political star, a specific publicity campaign, such or such “societal problem.” “One of the many reasons why it is laughable to speak of ‘democracy’ in Western societies today,” asserts Castoriadis, “is because the ‘public’ sphere is in fact private—be it in France, the United States, or England.”The market of ideas is saturated, and the political consumer is asked to passively choose a product that is already on the shelves. This is despite the fact that the contents of the products are often more or less identical, conjuring up in many ways the difference that exists between a brand-name product on the right, with the shiny packaging of the tried-and-true, and a generic product on the left, that aspires to be more amenable to the people. “Free elections do not necessarily express ‘the will of the people,’ ” Erich Fromm judiciously wrote. “If a highly advertised brand of toothpaste is used by the majority of the people because of some fantastic claims it makes in its propaganda, nobody with any sense would say that people have ‘made a decision’ in favor of the toothpaste. All that could be claimed is that the propaganda was sufficiently effective to coax millions of people into believing its claims.

Before the twentieth century, ideology - as opposed to religion - did not kill people by the millions and tens of millions. The stakes were not thought to be worth it. Such enthusiasm for mass murder awaited the combination of aristocratic militarism, really-existing socialism, and fascism. Thus it was only in the twentieth century that utopian aspirations about how the economy should be organized led nations and global movements to build dystopias to try to bring the utopian future closer. And then they turned around and justified the dystopia: compromises must be made, and this is as good as it is going to get. My view is that too much mental and historical energy has been spent parsing differences between movements that are justly classified as dystopian, and even totalitarian, in aspiration. Time spent on such a task is time wasted, given their commonalities - if not in formal doctrine, then at least in modes of operation. The guards of Auschwitz, Majdanek, Treblinka, Dachau, and the rest were very like the guards of the Gulag Archipelago. Rather, mental and historical energy should be focused on where these movements got their energy. Why was the world unable to offer people a society in which they could live good lives? Why was a total reconfiguration necessary? Karl Polanyi saw fascism and socialism as reactions against the market society's inability or unwillingness to satisfy people's Polanyian rights. It could not guarantee them a comfortable community in which to live because the use to which land was put had to pass a profitability test. It could not offer them an income commensurate with what they deserved because the wage paid to their occupation had to pass a profitability test. And it could not offer them stable employment because the financing to support whatever value chain they were embedded in also had to pass a profitability test. These failures all gave energy to the thought that there needed to be a fundamental reconfiguration of economy and society that would respect people's Polanyian rights. And the hope of millions was that fascism and really-existing socialism would do so. Instead, both turned out to erase, in brutal and absolute ways, people's rights, and people's lives, by the millions. So why were people so gullible? The German socialist Rosa Luxemburg in 1919 could see the path Lenin was embarked upon and called it 'a brutalization of public life: attempted assassinations, shooting of hostages, etc.' The German liberal Max Weber, writing in 1918, could also foresee what would become of Lenin's sociological experiment, saying it would end 'in a laboratory with heaps of human corpses.' Similarly, the British diplomat Eric Phipps wrote in 1935 that if Britain were to take Hitler's Mein Kampf seriously and literally, 'we should logically be bound to adopt the policy of a "preventive" war.' The dangers of a fascist turn were clear. The unlikelihood of success at even slouching toward a good society of those who took that turn ought to have been obvious. Utopian faith is a helluva drug.

THE VISION EXERCISE Create your future from your future, not your past. WERNER ERHARD Erhard Founder of EST training and the Landmark Forum The following exercise is designed to help you clarify your vision. Start by putting on some relaxing music and sitting quietly in a comfortable environment where you won’t be disturbed. Then, close your eyes and ask your subconscious mind to give you images of what your ideal life would look like if you could have it exactly the way you want it, in each of the following categories: 1. First, focus on the financial area of your life. What is your ideal annual income and monthly cash flow? How much money do you have in savings and investments? What is your total net worth? Next . . . what does your home look like? Where is it located? Does it have a view? What kind of yard and landscaping does it have? Is there a pool or a stable for horses? What does the furniture look like? Are there paintings hanging in the rooms? Walk through your perfect house, filling in all of the details. At this point, don’t worry about how you’ll get that house. Don’t sabotage yourself by saying, “I can’t live in Malibu because I don’t make enough money.” Once you give your mind’s eye the picture, your mind will solve the “not enough money” challenge. Next, visualize what kind of car you are driving and any other important possessions your finances have provided. 2. Next, visualize your ideal job or career. Where are you working? What are you doing? With whom are you working? What kind of clients or customers do you have? What is your compensation like? Is it your own business? 3. Then, focus on your free time, your recreation time. What are you doing with your family and friends in the free time you’ve created for yourself? What hobbies are you pursuing? What kinds of vacations do you take? What do you do for fun? 4. Next, what is your ideal vision of your body and your physical health? Are you free of all disease? Are you pain free? How long do you live? Are you open, relaxed, in an ecstatic state of bliss all day long? Are you full of vitality? Are you flexible as well as strong? Do you exercise, eat good food, and drink lots of water? How much do you weigh? 5. Then, move on to your ideal vision of your relationships with your family and friends. What is your relationship with your spouse and family like? Who are your friends? What do those friendships feel like? Are those relationships loving, supportive, empowering? What kinds of things do you do together? 6. What about the personal arena of your life? Do you see yourself going back to school, getting training, attending personal growth workshops, seeking therapy for a past hurt, or growing spiritually? Do you meditate or go on spiritual retreats with your church? Do you want to learn to play an instrument or write your autobiography? Do you want to run a marathon or take an art class? Do you want to travel to other countries? 7. Finally, focus on the community you’ve chosen to live in. What does it look like when it is operating perfectly? What kinds of community activities take place there? What charitable, philanthropic, or volunteer work? What do you do to help others and make a difference? How often do you participate in these activities? Who are you helping? You can write down your answers as you go, or you can do the whole exercise first and then open your eyes and write them down. In either case, make sure you capture everything in writing as soon as you complete the exercise. Every day, review the vision you have written down. This will keep your conscious and subconscious minds focused on your vision, and as you apply the other principles in this book, you will begin to manifest all the different aspects of your vision.

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Labor’s dominance applies more broadly still among the million jobs listed by name in the earlier discussion of elite hours—finance-sector professionals, vice presidents at S&P 1500 firms, elite management consultants, partners at highly profitable law firms, and specialist medical doctors. These specifically identified workers collectively constitute a substantial share—fully half—of the 1 percent. The terms of trade under which they work—the economic arrangements that underwrite their incomes—are well known. All these workers contribute effectively no capital to their businesses and therefore again owe their income ultimately to their own industrious work, which is to say to labor. Comprehensive data based on tax returns corroborate that the new economic elite owes its income predominantly not to capital but rather, at root, to selling its own labor. The data themselves can be technical and even abstruse, but a clear message emerges from them nevertheless. The data confirm that the meritocratic rich (unlike their aristocratic predecessors) get their money by working. Even guarded estimates, which defer to tax categories that treat some labor income as capital gains, show a stark increase in the labor component of top incomes. According to this method of calculating, the richest 1 percent received as much as three-quarters of their income from capital at midcentury, and the richest 0.1 percent received up to nine-tenths of their income from capital. These shares then declined steadily over four decades beginning in the early 1960s, reaching bottom in 2000. In that year, both the top 1 percent and the top 0.1 percent received only about half of their incomes from capital (roughly 49 percent and 53 percent, respectively). The capital shares of top incomes then rose again, by about 10 percent, over the first decade of the new millennium, before beginning to fall again at the start of the second decade (when the data series runs out).

Since the cost of loyalty was going up, there was an urgent need to increase income, and that’s why the Finance Ministry ordered the peasants to pay higher taxes. Today I am free to say that it was His Unrivaled Majesty’s decision, but because the Emperor, as a gracious benefactor, could not issue vexatious or plaguing decrees, any proclamation that put a new burden on the shoulders of the people was issued in the name of some ministry. If the people could not shoulder that burden and started a rebellion, His Majesty scolded the ministry and replaced the minister—although he never did so immediately, to avoid creating the humiliating impression that the monarch allows the unbridled mob to put his Palace in order. On the contrary, when he saw the need to demonstrate monarchical supremacy he would raise the most disliked officials to higher positions, as if to say, “Get an eyeload of who’s really in charge here, of who makes the impossible possible!” His Noble Majesty asserted his force and authority by benevolently needling his subjects.

There’s another level at which attention operates, this has to do with leadership, I argue that leaders need three kinds of focus, to be really effective, the first is an inner focus, let me tell you about a case that’s actually from the annals of neurology, there was a corporate lawyer, who unfortunately had a small prefrontal brain tumour, it was discovered early, operated successfully, after the surgery though it was a very puzzling picture, because he was absolutely as smart as he had been before, a very high IQ, no problem with attention or memory, but he couldn’t do his job anymore, he couldn’t do any job, in fact he ended up out of work, his wife left him, he lost his home, he’s living in his brother spare bedroom and in despair he went to see a famous neurologist named Antonio Damasio. Damasio specialized in the circuitry between the prefrontal area which is where we consciously pay attention to what matters now, where we make decisions, where we learn and the emotional centers in the midbrain, particularly the amygdala, which is our radar for danger, it triggers our strong emotions. They had cut the connection between the prefrontal area and emotional centers and Damasio at first was puzzled, he realized that this fellow on every neurological test was perfectly fine but something was wrong, then he got a clue, he asked the lawyer when should we have our next appointment and he realized the lawyer could give him the rational pros and cons of every hour for the next two weeks, but he didn’t know which is best. And Damasio says when we’re making a decision any decision, when to have the next appointment, should I leave my job for another one, what strategy should we follow, going into the future, should I marry this fellow compared to all the other fellows, those are decisions that require we draw on our entire life experience and the circuitry that collects that life experience is very base brain, it’s very ancient in the brain, and it has no direct connection to the part of the brain that thinks in words, it has very rich connectivity to the gastro- intestinal tract, to the gut, so we get a gut feeling, feels right, doesn’t feel right. Damasio calls them somatic markers, it’s a language of the body and the ability to tune into this is extremely important because this is valuable data too - they did a study of Californian entrepreneurs and asked them “how do you make your decisions?”, these are people who built a business from nothing to hundreds of millions or billions of dollars, and they more or less said the same strategy “I am a voracious gatherer of information, I want to see the numbers, but if it doesn’t feel right, I won’t go ahead with the deal”. They’re tuning into the gut feeling. I know someone, I grew up in farm region of California, the Central Valley and my high school had a rival high school in the next town and I met someone who went to the other high school, he was not a good student, he almost failed, came close to not graduating high school, he went to a two-year college, a community college, found his way into film, which he loved and got into a film school, in film school his student project caught the eye of a director, who asked him to become an assistant and he did so well at that the director arranged for him to direct his own film, someone else’s script, he did so well at that they let him direct a script that he had written and that film did surprisingly well, so the studio that financed that film said if you want to do another one, we will back you. And he, however, hated the way the studio edited the film, he felt he was a creative artist and they had butchered his art. He said I am gonna do the film on my own, I’m gonna finance it myself, everyone in the film business that he knew said this is a huge mistake, you shouldn’t do this, but he went ahead, then he ran out of money, had to go to eleven banks before he could get a loan, he managed to finish the film, you may have seen

We’ve got a games designer, a gossip columnist, a photographer. We’ve got finance and medical. And there’s me – a well-known influencer. All of these things hang together. But then there’s you.’ ‘She’s right,’ Brenda says, impressed by Tiggy now that she’s come out of her shell and made these deductions. Not such a pathetic little creature after all. ‘So where do you think you fit into this, Amelia?’ James says gently.

During an interview with Diversity Inc.’s director of research and product development, she walked me through a typical presentation used to pitch the value of the company’s software to prospective clients. I learned that their products are especially valuable to those industries not allowed to collect ethno-racial data directly from individuals because of civil rights legislation that attempts to curb how these data are used to discriminate. But now those who work in finance, housing, and healthcare can use predictive software programs to ascertain information that they cannot request directly. The US Health Insurance Portability and Accountability Act (HIPAA) privacy rule, for example, strictly monitors the collection, storage, and communication of individuals’ “protected health information,” among other features of the law. This means that pharmaceutical companies, which market to different groups, need indirect methods to create customer profiles, because they cannot collect racial-ethnic data directly. This is where Diversity Inc. comes in. Its software programs target customers not only on the basis of race and ethnicity, but also on the basis of socioeconomic status, gender, and a growing list of other attributes. However, the company does not refer to “race” anywhere in their product descriptions. Everything is based on individuals’ names, we are told. “A person’s name is data,” according to the director of research and product development. She explains that her clients typically supply Diversity Inc. with a database of client names and her team builds knowledge around it. The process, she says, has a 96 percent accuracy rate, because so many last names are not shared across racial–ethnic groups – a phenomenon sociologists call “cultural segregation.”18

The selection of common stocks for the portfolio of the defensive investor should be a relatively simple matter. Here we would suggest four rules to be followed: 1. There should be adequate though not excessive diversification. This might mean a minimum of ten different issues and a maximum of about thirty.† 2. Each company selected should be large, prominent, and conservatively financed. Indefinite as these adjectives must be, their general sense is clear. Observations on this point are added at the end of the chapter. 3. Each company should have a long record of continuous dividend payments. (All the issues in the Dow Jones Industrial Average met this dividend requirement in 1971.) To be specific on this point we would suggest the requirement of continuous dividend payments beginning at least in 1950.* 4. The investor should impose some limit on the price he will pay for an issue in relation to its average earnings over, say, the past seven years. We suggest that this limit be set at 25 times such average earnings, and not more than 20 times those of the last twelve-month period. But such a restriction would eliminate nearly all the strongest and most popular companies from the portfolio. In particular, it would ban virtually the entire category of “growth stocks,” which have for some years past been the favorites