Financial Solutions Quotes

A leader can bring the solution to people, but sometimes a leader has to bring the people to the solution.

Every great, successful person I know shares the capacity to remain centered, clear and powerful in the midst of emotional “storms.” How do they accomplish this? Most of them have a fundamental rule: In life, never spend more than 10 percent of your time on the problem, and spend at least 90 percent of your time on the solution. Most important, don’t sweat the small stuff… and remember, it’s all small stuff!

Her last brilliant solution to my financial plight was to be a dominatrix. She said I had the disposition for it. I'm pretty sure that just means I'm a grumpy bitch.

Understanding the unique needs of each business is crucial in tailoring financial solutions that align with their objectives. It’s never a one size fits all when it comes to financing.

Writing was the solution to every problem—financial, emotional, intellectual. It had kept me company when I was a lonely child. It gave me an excuse to go places I would otherwise be unlikely to venture. It satisfied the edict my mother had issued many times throughout my life: “You have to make your own living; you never want to be dependent on a man.

In reality, at the time I was being incredibly negative and seeing things worse than they were. I was using my pessimism as a shield. It was my feeble attempt at protecting myself from the pain of failed expectations: I’d do anything to keep from being disappointed once again. But in adopting this pattern, this same barrier that kept me out of pain also kept me out of pleasure. It barred me from solutions and sealed me in a tomb of emotional death where one never experiences too much pain or too much pleasure, and where one continuously justifies one’s limited actions by stating they’re “just being realistic.

If your financial life is not in order, every other area of your life will be in disorder.

more money is not a solution to poor financial management.

If Americans actually understood the structure of our taxes, they would not only become angry, they might also find our economic and political systems intolerable because they are the cause of our unjust tax codes ... We could revolutionize the financial conditions of every American city and town—solve all or most of its tax revenue problems—if the property tax system were simply extended from tangible property to also include intangible property. If you want some quick solutions to our nation's fiscal problems, that would be one. Even on the simple basis of fairness, how can we justify having a property tax system that exempts the intangible property owned mostly by the richest amongst us? What a prime example of the Occupy movement's central point about the economic injustice perpetrated by the 1 percent against the 99 percent.

It turns out that for most people who have chronic diseases with deferred consequences, "improve my financial health" is a much more pervasively experienced job than "maintain my physical health.

Loan restructuring may be explored as a collaborative solution between commercial bankers and businesses facing financial challenges. In the event of crises, it may be the best option for everyone.

As you navigate your professional life, you will be faced with all kinds of trials and tribulations for which there will appear no feasible solution. Do you sit there trying to figure out what to do? No, you get moving. Problems—all problems—are solved not just by sitting and thinking, but by moving and doing.

Why do people persist in an unsatisfying relationship, unwilling either to work toward solutions or end it and move on? It’s because they know changing will lead to the unknown, and most people believe that the unknown will be much more painful than what they’re already experiencing. It’s like the old proverbs say: “Better the devil you know than the devil you don’t know,

Cybersecurity is a support industry, and a lot of professionals in the industry tend to forget that. These professionals think that cybersecurity is an industry unto itself, but it wouldn’t exist without other industries (like manufacturing, healthcare, and financial services).

The final neoliberal fallback is geoengineering, which derives from the core neoliberal doctrine that entrepreneurs, unleashed to exploit acts of creative destruction, will eventually innovate market solutions to address dire economic problems. This is the whiz-bang futuristic science fiction side of neoliberalism, which appeals to male adolescents and Silicon Valley entrepreneurs almost as much as do the novels of Ayn Rand.

Know that there are people to whom you are connected who are available to help you find the right job, to solve a puzzling issue that seems irreconcilable, to help you back on your feet, and to resolve financial difficulties. Everyone becomes a compatriot rather than a competitor. This is spiritual awareness as I practice it.

In Eisman’s view, the unwillingness of the U.S. government to allow the bankers to fail was less a solution than a symptom of a still deeply dysfunctional financial system.

the unwillingness of the U.S. government to allow the bankers to fail was less a solution than a symptom of a still deeply dysfunctional financial system.

. It is important that we note the weaknesses in our financial system, and work toward implementing solutions before the next crisis comes. Gordon L. Eade

On Rachel's show for November 7, 2012: Ohio really did go to President Obama last night. and he really did win. And he really was born in Hawaii. And he really is legitimately President of the United States, again. And the Bureau of Labor statistics did not make up a fake unemployment rate last month. And the congressional research service really can find no evidence that cutting taxes on rich people grows the economy. And the polls were not screwed to over-sample Democrats. And Nate Silver was not making up fake projections about the election to make conservatives feel bad; Nate Silver was doing math. And climate change is real. And rape really does cause pregnancy, sometimes. And evolution is a thing. And Benghazi was an attack on us, it was not a scandal by us. And nobody is taking away anyone's guns. And taxes have not gone up. And the deficit is dropping, actually. And Saddam Hussein did not have weapons of mass destruction. And the moon landing was real. And FEMA is not building concentration camps. And you and election observers are not taking over Texas. And moderate reforms of the regulations on the insurance industry and the financial services industry in this country are not the same thing as communism. Listen, last night was a good night for liberals and for democrats for very obvious reasons, but it was also, possibly, a good night for this country as a whole. Because in this country, we have a two-party system in government. And the idea is supposed to be that the two sides both come up with ways to confront and fix the real problems facing our country. They both propose possible solutions to our real problems. And we debate between those possible solutions. And by the process of debate, we pick the best idea. That competition between good ideas from both sides about real problems in the real country should result in our country having better choices, better options, than if only one side is really working on the hard stuff. And if the Republican Party and the conservative movement and the conservative media is stuck in a vacuum-sealed door-locked spin cycle of telling each other what makes them feel good and denying the factual, lived truth of the world, then we are all deprived as a nation of the constructive debate about competing feasible ideas about real problems. Last night the Republicans got shellacked, and they had no idea it was coming. And we saw them in real time, in real humiliating time, not believe it, even as it was happening to them. And unless they are going to secede, they are going to have to pop the factual bubble they have been so happy living inside if they do not want to get shellacked again, and that will be a painful process for them, but it will be good for the whole country, left, right, and center. You guys, we're counting on you. Wake up. There are real problems in the world. There are real, knowable facts in the world. Let's accept those and talk about how we might approach our problems differently. Let's move on from there. If the Republican Party and the conservative movement and conservative media are forced to do that by the humiliation they were dealt last night, we will all be better off as a nation. And in that spirit, congratulations, everyone!

Modern civilization seems to be incapable of producing people endowed with imagination, intelligence, and courage. In practically every country there is a decrease in the intellectual and moral caliber of those who carry the responsibility of public affairs. The financial, industrial, and commercial organizations have reached a gigantic size. They are influenced not only by the conditions of the country where they are established, but also by the state of the neighboring countries and of the entire world. In all nations, economic and social conditions undergo extremely rapid changes. Nearly everywhere the existing form of government is again under discussion. The great democracies find themselves face to face with formidable problems--problems concerning their very existence and demanding an immediate solution. And we realize that, despite the immense hopes which humanity has placed in modern civilization, such a civilization has failed in developing men of sufficient intelligence and audacity to guide it along the dangerous road on which it is stumbling. Human beings have not grown so rapidly as the institutions sprung from their brains. It is chiefly the intellectual and moral deficiencies of the political leaders, and their ignorance, which endanger modern nations.

Social entrepreneurs are among the most dynamic engines of the cooperative movement. Where corporate moguls work for personal enrichment, these civic-minded business leaders work for the cooperative equivalent, which is a desire to generate community self-reliance, abolish poverty, and enhance community economic well-being by improving housing, food, transportation, energy, health, finance, and a host of other products and services. Their motivations are not selfishly financial; they are far deeper, rooted in both the human spirit and the pervasive sense of community that human beings have striven to express throughout history. As the economist Jean Monnet once said, “Without community, there is crisis.

The converse is true as well. The financial writer Morgan Housel has observed that while pessimists sound like they’re trying to help you, optimists sound like they’re trying to sell you something.28 Whenever someone offers a solution to a problem, critics will be quick to point out that it is not a panacea, a silver bullet, a magic bullet, or a one-size-fits-all solution; it’s just a Band-Aid or a quick technological fix that fails to get at the root causes and will blow back with side effects and unintended consequences. Of course, since nothing is a panacea and everything has side effects (you can’t do just one thing), these common tropes are little more than a refusal to entertain the possibility that anything can ever be improved.29

Consider finding a mate, someone to live with in a close relationship, usually as husband and wife. It is indeed a sort of market problem, in that the issue is not just finding a satisfactory person but also finding someone, confronted with the same search problem, who is willing to consider you as his or her best choice. Finding a match between husband and wife is like finding a trade in a financial market. It entails learning a market price (in the marriage market it is one’s attractiveness to certain kinds of potential spouses) and finding the best deal at that price. This analogy is not meant to put a commercial slant on a very personal problem, but instead to start us thinking about how we can design a better solution to the problem.

Since the financial crash of 2008, and the upheavals that followed, the question of inequality – and with it, the long-term history of inequality – have become major topics for debate. Something of a consensus has emerged among intellectuals and even, to some degree, the political classes that levels of social inequality have got out of hand, and that most of the world’s problems result, in one way or another, from an ever-widening gulf between the haves and the have-nots. Pointing this out is in itself a challenge to global power structures; at the same time, though, it frames the issue in a way that people who benefit from those structures can still find ultimately reassuring, since it implies no meaningful solution to the problem would ever be possible.

The inevitable consequence is that the wealthy become dominant. The wealthy set their own pay or the company boards pay very generously. Each company board, in hiring a new CEO, feels it must pay as much or more than the competitive companies pay their CEO, rather than using the firm’s earnings or share price or some other yardstick. In many sectors, especially in the financial sector, there is more collusion than real competition. The wealthy see their pay as describing their worth, and they rely on their wealth and political influence to defeat democratic measures to contain or tax them sufficiently. Democracy is therefore in danger of being destroyed by capitalism. Unless there is higher taxation on wealth and more regulation to promote real competition, democracy is subverted.8

Our steady resistance forms cracks in the world of profit margins. It transitions us away from self-destruction. We are a thorn in the side of a world that believes it must extract to exist, a bone-deep reminder there are other ways of being…Some of us leave the land to bring our case to the financiers of the industry we oppose, to present the data and oppositional testimony the banks ostensibly have no knowledge of. In here, I feel like an exotic bird to be examined for potential danger. In here, alongside discussion of financial investments, I remind corporate heads that they drink water and breathe air. As awkward as it can be to remind a person of their own humanity, it has proven exceedingly effective to bring Indigenous rights and the voice of the land into these spaces. SACRED RESISTANCE by Tara Houska, Zhaabowekwe, Couchiching First Nation

It is critical to recognize that we live in an increasingly complex world - biologically, socially, politically, technologically, you name it - that holds many inherent contradictions. In the middle of this complex world are we humans, who have a natural tendency to seek coherence in what we see, feel, think, and do. When we experience conflict, this tendency intensifies. Conflict is essentially a contradiction, an incompatibility, oppositely directed forces, and a difference that triggers tension. When we encounter conflict, within the field of forces that constitute it, the natural human tendency is to reduce that tension by seeking coherence through simplification. Research shows that this tendency toward simplification becomes even more intensified when we are under stress, threat, time constraints, fatigue, and various other conditions all absolutely typical of conflict. So what is the big idea? It is NOT that coherence is bad and complexity is good. Coherence seeking is simply a necessary and functional process that helps us interpret and respond to our world efficiently and (hopefully) effectively. And complexity in extremes is a nightmare - think of Mogadishu, Somalia, in the 1990s or the financial crisis of 2009 or Times Square during rush hour on a Friday afternoon. On the other hand, too much coherence can be just as pathological: for example, the collapse of the nuances and contradictions inherent in any conflict situation into simple 'us versus them' terms, or a deep commitment to a rigid understanding of conflicts based on past sentiments and obsolete information. Either extreme - overwhelming complexity or oversimplified coherence - is problematic. But in difficult, long-term conflicts, the tide pulls fiercely toward simplification of complex realities. This is what we must content with.

It's the outgrowth of a natural human contradiction: people want to read good books, but people are also invincibly lazy ... so they read only stupid, easy books, but they still keep feeling the original want - and eventually, that causes them to call the stupid, easy books they actually do read good ... because it seems like such a neat little solution to their problem! And if those stupid, easy books are big enough financial successes or garner a wide enough audience of people trying that same solution, those of us who aren't invincibly lazy and actually do read good books - or at least real books - on a regular basis start to get characterized as cranks and killjoys and snobs, because we still have the nerve to say the Harry Potter books are awful, or that there's no literary worth to anything Stephen King has ever written, or that Susan Sontag is grotesquely overrated, or that nobody should be reading Raymond Carver .... and so on. All those judgements are right, but as the crowds grow larger wanting to elevate what they've settled for, they start to look more and more eccentric ...

I can't bear to look at the screen itself, the women in pastels, like so many Jordan almonds. The men in suits, wearing equally angelic expressions. Members just like men, ostensibly. Who have vowed to be obedient to God's laws, and to repent of their sins. They've promised to be honest, true, chaste, benevolent, and virtuous; they've promised to be hopeful, and to endure all things, to seek after what is lovely, of good report, or praiseworthy. Only then will God provide a lasting solution to their loneliness and frustration. I imagine they comfort themselves, like I do, with the game of "wouldn't it be worse." Wouldn't it be worse to have a sick child, ailing parents, or a flesh-eating virus? Wouldn't it be lonelier to be trapped in a dying marriage, scarier to have crippling financial problems or to spend one's retirement fund on failed in vitro treatments? Wouldn't it be worse to live a life absent of faith, absent of purpose, absent of the love of God? I imagine they tell themselves, like I do, that a soul-crushing loneliness is a small price to pay, given the big picture. Everyone suffers. Loneliness is the human condition. And after the tests of our faith, we will triumph.

Man is an irrational creature...for he seeks pleasure instead of abstinence, lies and deceit, instead of counsel and advice, violence and war, instead of withhold and peace, and easy wanton ignorance and gluttony, instead of hard sought after wisdom and moderation...man has grown indifferent to the sufferings of his fellow man and neighbor, for he only cares as to whether there is any monetary gain or financial reward, for his immediate and erstwhile assistance...man, in this current age, has completely lost the ability to engage in disciplined learning and fair and honest debate, for instead he would rather believe in lies and falsehoods, for it only confirms his prejudicial beliefs and irrational fears, all fed to him by the so-called, "fair and balanced" news media...he is a patriot for all the wrong reasons, for his patriotism is one of selfish jingoism, instead of an objective and unadulterated, "universal brotherhood", that seeks to find common ground and common solutions across the diplomatic table, instead of blind "sabre rattling" and childish and superficial flag waving...man's blind and puerile barbarism is what will ultimately do him in, in the very end, for the prophets of the present who tried to warn him as he stood at the edge of a moral and spiritual precipice, will be the ones who will wear a quiet and confirming smile, as man and his erstwhile shadow of ignorance, will be cast into the bottomless pit, of eternal damnation and doom...

But there was a lacuna in Nehru’s concept of science: he saw it exclusively in terms of laboratory science, not field science; physics and molecular biology, not ecology, botany, or agronomy. He understood that India’s farmers were poor in part because they were unproductive—they harvested much less grain per acre than farmers elsewhere in the world. But unlike Borlaug, Nehru and his ministers believed that the poor harvests were due not to lack of technology—artificial fertilizer, irrigated water, and high-yield seeds—but to social factors like inefficient management, misallocation of land, lack of education, rigid application of the caste system, and financial speculation (large property owners were supposedly hoarding their wheat and rice until they could get better prices). This was not crazy: more than one out of five families in rural India owned no land at all, and about two out of five owned less than 2.5 acres, not enough land to feed themselves. Meanwhile, a tiny proportion of absentee landowners controlled huge swathes of terrain. The solution to rural poverty, Nehru therefore believed, was less new technology than new policies: give land from big landowners to ordinary farmers, free the latter from the burdens of caste, and then gather the liberated smallholders into more-efficient, technician-advised cooperatives. This set of ideas had the side benefit of fitting nicely into Nehru’s industrial policy: enacting them would cost next to nothing, reserving more money for building factories.

The future of democracy in developed countries will depend on their ability to deal with the problem of a disappearing middle class. In the wake of the financial crisis there has been a rise of new populist groups from the Tea Party in the United States to various anti-EU, anti-immigrant parties in Europe. What unites all of them is the belief that elites in their countries have betrayed them. And in many ways they are correct: the elites who set the intellectual and cultural climate in the developed world have been largely buffered from the effects of middle-class decline. There has been a vacuum in new approaches to the problem, approaches that don’t involve simply returning to the welfare state solutions of the past. The proper approach to the problem of middle-class decline is not necessarily the present German system or any other specific set of measures. The only real long-term solution would be an educational system that succeeded in pushing the vast majority of citizens into higher levels of education and skills. The ability to help citizens flexibly adjust to the changing conditions of work requires state and private institutions that are similarly flexible. Yet one of the characteristics of modern developed democracies is that they have accumulated many rigidities over time that make institutional adaptation increasingly difficult. In fact, all political systems—past and present—are liable to decay. The fact that a system once was a successful and stable liberal democracy does not mean that it will

Richard Lovelace makes a compelling case that the best defense is a good offense. “The ultimate solution to cultural decay is not so much the repression of bad culture as the production of sound and healthy culture,” he writes. “We should direct most of our energy not to the censorship of decadent culture, but to the production and support of healthy expressions of Christian and non-Christian art.”10 Public protests and boycotts have their place. But even negative critiques are effective only when motivated by a genuine love for the arts. The long-term solution is to support Christian artists, musicians, authors, and screenwriters who can create humane and healthy alternatives that speak deeply to the human condition. Exploiting “Talent” The church must also stand against forces that suppress genuine creativity, both inside and outside its walls. In today’s consumer culture, one of the greatest dangers facing the arts is commodification. Art is treated as merchandise to market for the sake of making money. Paintings are bought not to exhibit, nor to grace someone’s home, but merely to resell. They are financial investments. As Seerveld points out, “Elite art of the New York school or by approved gurus such as Andy Warhol are as much a Big Business today as the music business or the sports industry.”11 Artists and writers have been reduced to “talent” to be plugged into the manufacturing process. That approach may increase sales, but it will suppress the best and highest forms of art. In the eighteenth century, the world nearly lost the best of Mozart’s music because the adults in the young man’s life treated him primarily as “talent” to exploit.

Economics today creates appetites instead of solutions. The western world swells with obesity while others starve. The rich wander about like gods in their own nightmares. Or go skiing in the desert. You don’t even have to be particularly rich to do that. Those who once were starving now have access to chips, Coca-Cola, trans fats and refined sugars, but they are still disenfranchized. It is said that when Mahatma Gandhi was asked what he thought about western civilization, he answered that yes, it would be a good idea. The bank man’s bonuses and the oligarch’s billions are natural phenomena. Someone has to pull away from the masses – or else we’ll all become poorer. After the crash Icelandic banks lost 100 billion dollars. The country’s GDP had only ever amounted to thirteen billion dollars in total. An island with chronic inflation, a small currency and no natural resources to speak of: fish and warm water. Its economy was a third of Luxembourg’s. Well, they should be grateful they were allowed to take part in the financial party. Just like ugly girls should be grateful. Enjoy, swallow and don’t complain when it’s over. Economists can pull the same explanations from their hats every time. Dream worlds of total social exclusion and endless consumerism grow where they can be left in peace, at a safe distance from the poverty and environmental destruction they spread around themselves. Alternative universes for privileged human life forms. The stock market rises and the stock market falls. Countries devalue and currencies ripple. The market’s movements are monitored minute by minute. Some people always walk in threadbare shoes. And you arrange your preferences to avoid meeting them. It’s no longer possible to see further into the future than one desire at a time. History has ended and individual freedom has taken over. There is no alternative.

Smart Sexy Money is About Your Money As an accomplished entrepreneur with a history that spans more than fourteen years, Annette Wise is constantly looking for ways to give back to her community. Using enterprising efforts, she qualified for $125,000 in startup funding to develop a specialized residential facility that allows developmentally disabled adults to live in the community after almost a lifetime of living in a state institution. In doing so, she has provided steady employment in her community for the last thirteen years. After dedicating years to her residential facility, Annette began to see clearly the difficulty business owners face in planning for retirement successfully. Searching high and low to find answers, she took control of financial uncertainty and in less than 2 years, she became a Full Life Agent, licensed Registered Representative, Investment Advisor Representative and Limited Principal. Her focus is on building an extensive list of clients that depend on her for smart retirement guidance, thorough college planning, detailed business continuation, and business exit strategies. Clients have come to rely on Annette for insight on tax advantaged savings and retirement options. Annette’s primary goal is to help her clients understand more than just concepts, but to easily understand how money works, the consequences of their decisions and how they work in conjunction with their desires and goal. Ever the curious soul who is always up for a challenge, Annette is routinely resourceful at finding sensible means to a sometimes-challenging end. She believes in infinite possibilities as well as in sharing her knowledge with others. She is the go-to source for “Smart Wealth Solutions.” Among Annette’s proudest accomplishments are her two wonderful sons, Michael III and Matthew. As a single mom, they have been her inspiration and joy. She is forever grateful to the greatest brothers in the world- Andrew and Anthony Wise, for assistance in grooming them into amazing young men.

PROFITS AT THE BOTTOM OF THE PYRAMID | Idea in Brief 105 words THE PROBLEM Multinational firms’ socially beneficial ventures in low-income markets need to earn profits if they’re to command corporate resources, but operating in the black is harder than it looks. THE SOLUTION Companies can use the authors’ “opportunity map” to design and undertake ventures at the bottom of the pyramid that match their capabilities and financial expectations. THE DETAILS The map sorts ventures according to cost and complexity by analyzing two key challenges in selling to the poor: changing consumers’ behavior and changing the way products are made and delivered. The map can encourage companies to forgo overly ambitious, unsustainable projects and start with smaller ones that generate steady profits.

Greenspan said that Nixon should declare that, rather than allow inflationary forces to be unleashed, he would back “a tax increase as the lesser of two evils.” How could we square cutting the budget with our programs for the Negro? I reported Alan as stating “flatly that the Negro problem is not an economic problem and it is dangerous to think of its solution in financial terms.

He liked to remind us that just because there was a problem didn’t mean there was a solution. But as I liked to point out, the absence of a perfect solution didn’t mean there wasn’t a problem.

fulfill our mission with the Rational ApproachTM, a comprehensive softwareengineering solution consisting of three elements: • A configurable set of processes and techniques for the development of software, based on iterative development, object modeling, and an architectural approach to software reuse. • An integrated family of application construction tools that automate the Rational Approach throughout the software lifecycle. • Technical consulting services delivered by our worldwide field organization of software engineers and technical sales professionals. Our customers include businesses in the Asia/Pacific region, Europe, and North America that are leaders in leveraging semiconductor, communications, and software technologies to achieve their business objectives. We serve customers in a diverse range of industries, such as telecommunications, banking and financial services, manufacturing, transportation, aerospace, and defense.They construct software applications for a wide range of platforms, from microprocessors embedded in telephone switching systems to enterprisewide information systems running on company-specific intranets. Rational Software Corporation is traded on the NASDAQ system under the symbol RATL.1

Obama wasn’t wrong to criticize Bush’s policies, but he was wrong to put the blame on “shred[ding] regulations.” More important, Obama didn’t mention the Fed’s culpability in the crisis, nor the way government guarantees of banks—explicit and implicit—drove banks to engage in the massively risky behavior that created the crisis. Of course, Obama wasn’t in a position to critique government guarantees of banks—he was supporting Bush’s TARP. I pick on Obama only as one example of the conventional wisdom that blames all economic problems on insufficient regulation. Hundreds of commentators and politicians said the free market was the cause, and that government would be the solution. The problem with our banking system has not been too little regulation, but too much. To curb excessive risk taking, we do need more “adult supervision,” as Obama put it, but that supervision should come not from government officials, but from creditors and customers. So, the big-government types are correct that our financial system is dysfunctional, and that this dysfunction is the key destabilizing factor in our economy. But the solution isn’t more regulation, or even “smarter regulation.” To fix our financial sector and make our economy more stable, we need something far more drastic: an actual free market. Government needs to stop telling banks what to do and stop bailing them out when they fail. No regulator will ever be as effective as the threat of failure.

just because there was a problem didn’t mean there was a solution.

If your needs are not attainable through safe instruments, the solution is not to increase the rate of return by upping the level of risk. Instead, goals may be revised, savings increased, or income boosted through added years of work. . . . Somebody has to care about the consequences if uncertainty is to be understood as risk. . . . As we’ve seen, the chances of loss do decline over time, but this hardly means that the odds are zero, or negligible, just because the horizon is long. . . . In fact, even though the odds of loss do fall over long periods, the size of potential losses gets larger, not smaller, over time. . . . The message to emerge from all this hype has been inescapable: In the long run, the stock market can only go up. Its ascent is inexorable and predictable. Long-term stock returns are seen as near certain while risks appear minimal, and only temporary. And the messaging has been effective: The familiar market propositions come across as bedrock fact. For the most part, the public views them as scientific truth, although this is hardly the case. It may surprise you, but all this confidence is rather new. Prevailing attitudes and behavior before the early 1980s were different. Fewer people owned stocks then, and the general popular attitude to buying stocks was wariness, not ebullience or complacency. . . . Unfortunately, the American public’s embrace of stocks is not at all related to the spread of sound knowledge. It’s useful to consider how the transition actually evolved—because the real story resists a triumphalist interpretation. . . . Excessive optimism helps explain the popularity of the stocks-for-the-long-run doctrine. The pseudo-factual statement that stocks always succeed in the long run provides an overconfident investor with more grist for the optimistic mill. . . . Speaking with the editors of Forbes.com in 2002, Kahneman explained: “When you are making a decision whether or not to go for something,” he said, “my guess is that knowing the odds won’t hurt you, if you’re brave. But when you are executing, not to be asking yourself at every moment in time whether you will succeed or not is certainly a good thing. . . . In many cases, what looks like risk-taking is not courage at all, it’s just unrealistic optimism. Courage is willingness to take the risk once you know the odds. Optimistic overconfidence means you are taking the risk because you don’t know the odds. It’s a big difference.” Optimism can be a great motivator. It helps especially when it comes to implementing plans. Although optimism is healthy, however, it’s not always appropriate. You would not want rose-colored glasses in a financial advisor, for instance. . . . Over the long haul, the more you are exposed to danger, the more likely it is to catch up with you. The odds don’t exactly add, but they do accumulate. . . . Yet, overriding this instinctive understanding, the prevailing investment dogma has argued just the reverse. The creed that stocks grow steadily safer over time has managed to trump our common-sense assumption by appealing to a different set of homespun precepts. Chief among these is a flawed surmise that, with the passage of time, downward fluctuations are balanced out by compensatory upward swings. Many people believe that each step backward will be offset by more than one step forward. The assumption is that you can own all the upside and none of the downside just by sticking around. . . . If you find yourself rejecting safe investments because they are not profitable enough, you are asking the wrong questions. If you spurn insurance simply because the premiums put a crimp in your returns, you may be destined for disappointment—and possibly loss.

non-Western countries had, until quite recently, highly unreliable legal systems and differing accounting rules. If a foreign trading partner decided to default on its debts, there was little that an investor situated on the other side of the world could do. In the first era of globalization, the solution to this problem was brutally simple but effective: to impose European rule.

o n o f R a t i o n a l S o f t w a r e C o r p o r a t i o n i s t o e n s u r e t h e s u c c e s s o f c u s t o m e r s c o n s t r u c t i n g t h e s o f t w a r e s y s t e m s t h a t t h e y d e p e n d o n . We enable our customers to achieve their business objectives by turning software into a source of competitive advantage, speeding time-to-market, reducing the risk of failure, and improving software quality. We fulfill our mission with the Rational ApproachTM, a comprehensive softwareengineering solution consisting of three elements: • A configurable set of processes and techniques for the development of software, based on iterative development, object modeling, and an architectural approach to software reuse. • An integrated family of application construction tools that automate the Rational Approach throughout the software lifecycle. • Technical consulting services delivered by our worldwide field organization of software engineers and technical sales professionals. Our customers include businesses in the Asia/Pacific region, Europe, and North America that are leaders in leveraging semiconductor, communications, and software technologies to achieve their business objectives. We serve customers in a diverse range of industries, such as telecommunications, banking and financial services, manufacturing, transportation, aerospace, and defense.They construct software applications for a wide range of platforms, from microprocessors embedded in telephone switching systems to enterprisewide information systems running on company-specific intranets. Rational Software Corporation is traded on the NASDAQ system under the symbol RATL.1

Any connection with nature and most connections with technology are lost. There's a belief that nature is irrelevant and that anything can be solved using the current methods--now technology; previously magic or praying.

Feminism is based on the wrong premise. It assumes that “patriarchy” is the ultimate cause of woman’s pain. It proposes the wrong solution. It says that women have the right, the knowledge, and the power to redefine and rectify the male-female relationship. It’s fueled by the wrong attitude. It encourages anger, bitterness, resentment, self-reliance, independence, arrogance, and a pitting of woman against man. It exalts the wrong values. Power, prestige, personal attainment, and financial gain are exalted over service, sacrifice, and humility. Manhood is devalued. Morality is devalued. Marriage is devalued. Motherhood is devalued. In sum, feminism promotes ways of thinking that stand in direct opposition to the Word of God and to the beauty of His created order.

Just because a problem has no apparent solution doesn’t mean it isn’t a problem.

Consolidation is the current least-painful way to avoid dealing with the underlying financial problems of our cities and towns. But like consolidation in the banking sector, municipal consolidation will only amplify the underlying fragilities in our development pattern. A better solution would be to embrace the innovations — and failures — that would come from thousands of local experiments in adapting to our current financial situation.

Concerns about financial influence, politics, and some problematic wording aside, the 2010 Dietary Guidelines have ended any doubt about which foods most support our health and which contribute to harmful and sometimes fatal illnesses. They establish a clear direction for restoring our nation’s health and reducing its exorbitant medical bill.

Our current world I submit that we currently live in a climax stage.21 We have a political model that is based on leading in the popular polls--a model where barely differentiated political leaders pretend to be different by steering voters away from important issues and onto subjects that, albeit emotional, are of little consequence to most people--a model where the election is won by the person with the best marketing, and where consistency and integrity are irrelevant. We have an economic model that is based on pulling resources out of the ground and mostly turning them into unnecessary products, getting people to buy the products by convincing them that they need them, then getting them to throw the products away because they're obsolete. This makes people buy the next model and bury the other one in the ground. The sole goal of this seemingly pointless exercise is to work faster and grow the gross domestic product, which measures the resource churn. We live in a world where the money necessary for our way of life comes out of a slit in the wall as long as we keep showing up for work, yet only experts understand the fiat-based money/credit system. We live in a world where food can be heated in a microwave oven at the touch of a button, yet only experts understand how this works. This goes for most of the other technology we use. All we know is that if we press this or that button, things magically happen. We are aware of large-scale problems, but most of us believe that we can't do anything about them. Instead, we believe in a mythical They who will find a solution, just like They have provided all this wonderful technology we surround ourselves with. We may be more technologically advanced as a group, and correctly but myopically hold up technology as our one indicator of "progress,"22 but in terms of individual understanding we have not come far, and once again live according to old concepts. In fact, we might have turned a full cycle from the last climax stage: The Dark Ages.

On the night that Obama clinched the Democratic nomination, he spoke passionately about climate change, vowing that Americans would look back knowing that “this was the moment when the rise of the oceans began to slow and our planet began to heal.” Once in office, he pledged to pass a “cap and trade” bill forcing the fossil fuel industry to pay for its pollution, as other industries did, rather than treating it as someone else’s problem. Cap and trade was a market-based solution, originally backed by Republicans, requiring permits for carbon emissions. The theory was that it would give the industry a financial incentive to stop polluting. It had worked surprisingly well in previous years to reduce industrial emissions that caused acid rain. By choosing a tested, moderate, bipartisan approach, the Obama administration and many environmentalists assumed a deal would be winnable.

If rewards come from solving problems and if different people have differing capacities for solving different types of problems, then disputes as to what problems most require solution can only be expected. Engineers and accountants, to take an obvious example, differ widely in the type of problem that they can solve competently. They notoriously disagree on whether the reverse salients blocking the growth of a particular enterprise are financial or technological in nature. Similarly, engineers with different skills and types of experience may also disagree on whether, for example, the technological reverse salients are hardware problems or software problems.

I find it amusing that progressives go on about “greed” and “selfishness” when they are the greediest, most selfish people of all. From the progressive viewpoint, Gates is a greedy, selfish guy because he has more than $50 billion and what can a man possibly want with that much money? (I’m reminded here of Obama’s 2010 comment, made in the context of the financial reform debate, “I do think at a certain point you’ve made enough money.”)12 The progressive solution is to force Gates to part with some, or most, of that money so that they can deploy it as they see fit. This is the progressive equivalent of Amartya Sen’s “who gets the flute.

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Many organizations we encounter lament their spreadsheet-driven culture. Every department has its own mechanism for gathering, analyzing, and reporting on its unique data. No consistent “source of truth” exists and data analysts become indispensable because they are the only people in the organization who know how a financial model works, how to access and understand the data sources, and its strengths and weaknesses. People in these organizations wish for a technology solution that could bring all the information together and make it available to all decision makers in interactive, visual dashboards.

Ralph Waldo Emerson said, ‘A man in debt is so far a slave.’ In our modern times, we have coined a variety of terms that dull the slavish nature of debt. We refer to EMIs as ‘financing solutions’, we speak of zero interest and zero down payments, we hear about floating and fixed rates, but in its most basic form, debt is slavery. The possessions you acquire while you get into debt do not belong to you. They belong to the person who loaned you the money, and because so many of us trade our time for money, he owns your time too, and a tiny bit of your life. In the past, slaves were legal property of their masters. Today, slavery is practised in the form of monetary debt.

Do you sense a depression in the body of Christ in America, as if something is badly wrong? We’re losing influence within our culture as the anti-Christian sentiment grows, yet you’d never know it in most churches—the smoke, lights, loud music and preaching rolls on as if all is well…Too often people come to the church, are deeply disappointed and as a result are turned off from the gospel. The church promises solutions but only offers lip service. We’ve become excellent at giving people a show on Sunday but lousy at showing them how to actually live…I recently spoke with two businessmen friends about why it’s hard to find a good church. Both are successful financially and are passionate believers. On the surface, they’re what every pastor needs. Yet after being active in a local church, they both became disillusioned with what they saw and how they were treated. As they recounted stories of how pastors felt threatened by their powerful personalities and positions, I felt sorry for my friends (for never experiencing the community they sought) and for the insecure leaders they served. Countless other mature Christians have been so wounded by leadership that they stay home on Sunday and “go to church” by watching Charles Stanley or Jack Hayford. They get a good message, some good music and an opportunity to “tithe” to that ministry. Sometimes this is a transitional period. Too often it’s not. But this isn’t Christian community. Aren’t we supposed to assemble with other believers? Aren’t we supposed to bring a hymn or a Scripture or a prophetic word when we meet? In larger churches this need is met in small groups or in various ministries of the church. There are many examples of healthy churches where this happens. But too often it isn’t…Until this happens, people—like my businessmen friends—will feel as if they’re drifting. They’ll never really find their place in the body of Christ. And sooner or later, they will ‘vote with their feet’ by going somewhere else—or worse still, nowhere.

Bruce Mesnekoff Discussing About Refinancing Student Loan and Consolidation Loan repayment is a major goal for any graduate after college. According to our Expert from Student Loan Help Center, Mr.Bruce Mesnekoff, Every individual dreams of a loan free future and having some financial stability. To achieve this, there are options available to help with loan repayment. In our earlier article we spoke about consolidating student loans. In this article, we will discuss refinancing student loans and its associated advantages. So Bruce Mesnekoff, how consolidation and refinancing are different in terms? These two terms are used interchangeably by most people but there is substantial difference between the two. Understanding the difference is critical to know when can each be used and whether it will solve your purpose or not. Consolidation lets you combine all your student loans into one loan and pay interest at a weighted average. Refinancing is taking a new loan to pay off all your student loans. Refinancing is not available for federal loans but only for private loans.Also only private loan lenders provide the option of refinancing, though a few might provide you with the option of refinancing private and federal loans. Why Refinancing and Bruce Mesnekoff tells us what are the Advantages of it? Refinancing has certain benefits if you get good pay. You will have to pay lesser interest rate. This helps you save monthly and eventually a bigger bank balance down the years. Your credit score is high which will help you gain multiple offers from lenders with lesser interest rate. Offers you variable loan interest which come handy if you took loan when interest rates were too high. You also have the option of decreasing your loan repayment cycle, This will increase monthly repayment amount but you will be loan free in shorter time and will save on even more interest money. Disadvantages There is one major disadvantage that comes when you refinance private and federal loans. The benefits offered by federal loans like public loan forgiveness program or income driven repayment will not be transferred to private lenders. So if you are truly confident of your income then you can do away with such options and completely rely on private loans. So Bruce Mesnekoff , Can you tell us Eligibility Criteria, I think its most important for our students. The eligibility is determined by your financial stability, your credit score, employment history etc. If you have poor credit, you can always have a co-signer to make the process feasible. Refinancing is surely a great way to save money, but whether it best fits you or not is completely your decision. Thoroughly analyze all the pros and cons against your goal and then take the first step. Make the best use of the number of lenders available to provide you with the best solution for your areas of concerns. Good Luck! You can also contact Bruce Mesnekoff an author of The ultimate guide to student loans and CEO of Student Loan Help Center Florida.

harm in allowing them to retain their positions.” “Well, they certainly do fit the roles for caretakers of a haunted castle, but you have yet to truly explain why you bought the place.” Plucking a long piece of grass out of the ground, Bram rolled it between his fingers. “Who doesn’t want to live in a haunted castle?” Lucetta arched a perfect brow his way. “Oh, very well,” he said. “I’ll tell you, but only because I’m not certain I’m quite ready to add nagging to the long list of supposed charms I’ve had to accept about you recently.” “I don’t nag,” Lucetta muttered. “That may well be debatable, but . . . back to my story. You see, the previous owner, Mr. Woodward, had recently suffered some extensive losses in the market, and because of that, he did not have the luxury of taking a financial loss on Ravenwood once rumors spread that it was haunted. However, since his wife refused to step foot inside the castle once she came to the belief it was well and truly haunted, he found himself in a bit of a bind, so . . . I stepped in and bought it from him.” “Good heavens, Mr. Skukman was right. You do enjoy rescuing people,” he heard Lucetta say under her breath before she lifted her head and sent him a smile that showed a great deal of teeth. “It was very nice of you to buy Ravenwood from that man.” Bram shoved aside the peculiar thought that she didn’t actually seem to like the idea that he enjoyed rescuing people, and summoned up a smile of his own. “I had the means to buy Ravenwood, and I love the castle, so helping out Mr. Woodward wasn’t an act of any great consequence.” “I’m certain it was to him.” He turned his attention to the sheep, all of which were back to grazing as Igor slunk around them. Looking back at Lucetta, Bram caught her eye. “Just as I’ve come to discover you don’t care to have people remark on your skills on stage, I don’t particularly care to talk about the assistance I extend to people.” He smiled. “Reverend Gilmore, a dear friend I met about a year ago, once told me that he believes God puts people on certain paths. And when you cross paths with a person who is in need, and you have the solution to that need, well, God expects you to put that solution to use. I don’t know about you, but I’m not one to argue with God.” Lucetta’s

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Consider a guess-the-number game in which players must guess a number between 0 and 100. The person whose guess comes closest to two-thirds of the average guess of all contestants wins. That’s it. And imagine there is a prize: the reader who comes closest to the correct answer wins a pair of business-class tickets for a flight between London and New York. The Financial Times actually held this contest in 1997, at the urging of Richard Thaler, a pioneer of behavioral economics. If I were reading the Financial Times in 1997, how would I win those tickets? I might start by thinking that because anyone can guess anything between 0 and 100 the guesses will be scattered randomly. That would make the average guess 50. And two-thirds of 50 is 33. So I should guess 33. At this point, I’m feeling pretty pleased with myself. I’m sure I’ve nailed it. But before I say “final answer,” I pause, think about the other contestants, and it dawns on me that they went through the same thought process as I did. Which means they all guessed 33 too. Which means the average guess is not 50. It’s 33. And two-thirds of 33 is 22. So my first conclusion was actually wrong. I should guess 22. Now I’m feeling very clever indeed. But wait! The other contestants also thought about the other contestants, just as I did. Which means they would have all guessed 22. Which means the average guess is actually 22. And two-thirds of 22 is about 15. So I should … See where this is going? Because the contestants are aware of each other, and aware that they are aware, the number is going to keep shrinking until it hits the point where it can no longer shrink. That point is 0. So that’s my final answer. And I will surely win. My logic is airtight. And I happen to be one of those highly educated people who is familiar with game theory, so I know 0 is called the Nash equilibrium solution. QED. The only question is who will come with me to London. Guess what? I’m wrong. In the actual contest, some people did guess 0, but not many, and 0 was not the right answer. It wasn’t even close to right. The average guess of all the contestants was 18.91, so the winning guess was 13. How did I get this so wrong? It wasn’t my logic, which was sound. I failed because I only looked at the problem from one perspective—the perspective of logic. Who are the other contestants? Are they all the sort of people who would think about this carefully, spot the logic, and pursue it relentlessly to the final answer of 0?

Leaders often panic when recessions strike. They go into survival mode, managing quarter-to-quarter and shoring up their numbers by cutting back on the long-term growth projects we’ve described in previous pages. Such actions might please investors in the moment, but they undo hard-won progress the organization has made. This is a big mistake, and one thankfully we avoided. By looking for creative solutions to the financial challenges we faced during the Great Recession, we maintained our investments while still delivering results that outdid our competitors’ performance.

An actor playing me opened Saturday Night Live by announcing that my solution to the crisis was to give $420 billion to the first caller with a solution to the crisis.

The leading firms in the established technology remain financially strong until the disruptive technology is, in fact, in the midst of their mainstream market.

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although Reynolds indicates that the three major tasks that must be completed to improve the retirement system are (1) making Social Security solvent, (2) extending workplace savings options available to all working Americans, and (3) aiming for a savings rate of 10% or more, the specific details about how we can and should more efficiently implement private-sector solutions are important.

What choices erode my happiness, confidence, or peace of mind? Breaking promises I make to myself or others Overeating Sleeping too much Not sleeping enough Not taking care of the space around me Complaining Focusing on my problems (versus focusing on my solutions) Blaming other people Isolating myself and avoiding social situations Beating myself up over the past Giving my energy to fear of the future What choices increase my happiness, inner peace, confidence, or clarity? Working out Keeping my home clean Being intentional about building relationships with people close to me Budgeting and keeping good financial records Meditation Gratitude Journaling Eating well Going to bed early Getting up early Saying “no thank you” to alcohol and indulgences

Ultimately, Unconventional Success proposes a positive solution to the investments challenge facing individual investors. The investment management world includes a very small number of not-for-profit money management firms, allowing investors the opportunity to invest with organizations devoted exclusively to fulfilling fiduciary obligations. Moreover, the market contains a number of attractively structured, passively managed investment alternatives, affording investors the opportunity to create equity-oriented, broadly diversified portfolios. In spite of the massive failure of the mutual-fund industry, investors willing to take an unconventional approach to portfolio management enjoy the opportunity to achieve financial success.

What was I to do, after sailing the seven seas now that we moved to 33 Van Wart Avenue, on the Scarsdale line of White Plains, NY. Like they say, money doesn’t grow on trees, so it was up to me to find a job. The economy wasn’t all that great and the best I could do was to find a commission job selling home fire detection units. One of the senior salesmen took me under his wing and showed me the ropes. The most important part of the pitch was to emphasize the importance of the fire detection unit and how, after declining our product a family had a fire in their home. The hapless husband was found stretched across the bed where he obviously died attempting to reach the telephone, while his family succumbed to the super-heated poisonous gasses and raging flames. It all could have been prevented if only they would have bought the fire detection unit when it was offered. I hated cold calling and selling something to people that they couldn’t afford was not in my nature. I wasn’t like my brother who could lure a hungry dog off the back of a meat wagon! It wasn’t that I didn’t try, because the more often I told the story the worse it got! I could just tell that the people I talked to knew that I was full of shXt and all I wanted to do was get out of there, although one of the sales rules was that you stayed until the people invited you to leave at least three times. For every rebuttal I had an answer and for every financial problem I had a solution, to put them even further into debt. In the end I would come home with my tail between my legs and with Ursula, watched the midnight horror show with John Zacherle. Dick Clark, a friend, gave Zacherle his nickname, "The Cool Ghoul," and for us it was television at it’s very best in the 1960’s.

There are enormous financial interests involved in the food industry.

Here is a shortcut to solving problems, including financial ones. Whenever you are faced with a confusing, unclear, or problematic situation, look at it and say, “I am that.” And truly accept it, for you caused it and separation is an illusion. Then ask yourself, “Why am I that?” All confusion and fear will disappear, and solutions will automatically start to appear in the face of your “I am that” awareness. This applies to any situation, actually, not just to a problem.

There are bubbles of agile in a sea of Gantt charts with predetermined solutions, dates, and spending predicted at the point of knowing the least, an annual, bottom-up financial planning process that takes six months of the year to plan and re-plan and focuses on output over outcomes. There are “drop dead dates” and “deadlines” (in most cases it’s not life or death); RAG (red, amber, green) statuses and change control processes; a change lifecycle with twenty mandatory artifacts, most with their own stage-gate governance committee; a traditional waterfall Project Management Office; sixty-page Steering Committee decks; project plans with the word “sprint” ten times in the middle; a lack of psychological safety; a performance appraisal model that incentivizes mediocrity (underpromise to overdeliver) and uses a Think Big, Start Big, Learn Slow approach. The good news, with a charitable intent, is that the organization wants to improve.

No matter how much you love Nigeria, you can't help the country if you fail to help yourself and one of the best ways to help yourself is to be financially independent. With that, you own your thought process and decision-making capability which widen the scope of the problem at hand and proffers possible lasting solutions.

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Both the ARIA protection and the fixed indexed annuity are equally great solutions! But they are apples and oranges.

Now compare both with the energy industry. First, you have huge capital costs that never go away. If you spend $1 billion building a coal plant, the next plant you build will not be any cheaper. And your investors put up that money with the expectation that the plant will run for 30 years or more. If someone comes along with a better technology 10 years down the road, you’re not going to just shut down your old plant and go build a new one. At least not without a very good reason—like a big financial payoff, or government regulations that force you

Engineer’s fascination with CPVC began in the mid-1990s. During this period, in the construction and plumbing industry, pipes were still made of iron and copper. Engineer saw that corrosion was a major problem with galvanized pipes and India was materially behind the evolution curve in the use of plastics for pipes. In the United States, CPVC was the new anti-corrosion solution for plastic pipes, which was swiftly replacing metal (iron and copper) pipes in industrial applications. CPVC was also a superior product compared to PVC because of higher ductile strength, which gave it the ability to handle hot water up to 200 degrees Fahrenheit (93° Celsius) (PVC can handle hot water only up to 140 degrees Fahrenheit [60° Celsius]). B.F. Goodrich (now known as Lubrizol) held the patent for CPVC resin technology, and Engineer decided to tie up with them to bring CPVC to India. He travelled to the United States to forge a techno-financial joint venture (JV) deal with Thompson Plastics of USA, which provided Astral with the technical know-how for setting up the CPVC plant. Astral also acquired the licence for CPVC resin procurement from Lubrizol (the first Indian company to do so). With a JV partner on board and a licence in his hand, Engineer set up Astral Poly Technik in March 1996. Thompson put up 20 per cent of equity for the company and Engineer approached his uncle to fund another 20 per cent. For his personal equity contribution, Engineer sold his house in Ahmedabad. I met Engineer at Astral’s corporate office located off the bustling Sarkhej–Gandhinagar Highway and behind the prestigious Rajpath Club in Ahmedabad. Recalling those early days, Engineer told me, ‘There was a time when everything my father-in-law and I owned was mortgaged to build Astral.

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So in 2013, Patagonia launched a venture capital fund to invest in environmentally and socially responsible for-profit start-ups. We wanted to apply the many lessons we have learned in trying to conduct our business more responsibly to applications beyond the outdoor apparel industry. We were willing to sacrifice short-term returns for long-term financial and environmental gains. Tin Shed Ventures serves as a vehicle for the third pillar of Patagonia’s mission statement: “ . . . use business to inspire and implement solutions to the environmental crisis.” But it also serves to do good in the world: providing funding for people who have business ideas that could help solve the environmental crisis. It is really the small private businesses we hope to influence. It is the tens of thousands of young people who dream of owning their small farm someday. All of us working together can create the change that we need.

The abundance God entrusts you with enables you to be the answer to other people’s prayers. God wants you to be a financial solution to the problems in this world.

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In short, these professionals need to understand money’s language and be able to speak it to help breakaway students find pathways to higher education and solutions for their financial and family obligations.

The bank knew exactly what it was looking for and how to go about it. There was consensus on two critical aspects: the system had to be centralized and had to be based on UNIX, even if that meant spending tonnes of money. MicroBanker, a fully integrated online banking automation system, developed by Citicorp Information Technology Industries Ltd (Citil), a Citibank subsidiary, fit the bill, but Citil was not willing to deal with HDFC Bank. A small outfit, Citil thought, would not be able to afford the system. Citil was expanding operations in Africa and Europe and was not too keen to sell the software to a start-up Indian bank. While Citil reluctantly made a presentation on the system, Citibank intervened before a deal could be signed, saying that selling MicroBanker to HDFC Bank could give the Indian bank more muscle as a competitor. Aditya had to call Rajesh Hukku, Citil head, to play ball and he relented. Citil later became i-Flex Solutions Ltd (now Oracle Financial Services Software Ltd).

Organizations seeking to commercialize open source software realized this, of course, and deliberately incorporated it as part of their market approach. In a 2013 piece on Pando Daily, venture capitalist Danny Rimer quotes then-MySQL CEO Mårten Mickos as saying, “The relational database market is a $9 billion a year market. I want to shrink it to $3 billion and take a third of the market.” While MySQL may not have succeeded in shrinking the market to three billion, it is interesting to note that growing usage of MySQL was concurrent with a declining ability of Oracle to sell new licenses. Which may explain both why Sun valued MySQL at one third of a $3 billion dollar market and why Oracle later acquired Sun and MySQL. The downward price pressure imposed by open source alternatives have become sufficiently visible, in fact, as to begin raising alarm bells among financial analysts. The legacy providers of data management systems have all fallen on hard times over the last year or two, and while many are quick to dismiss legacy vendor revenue shortfalls to macroeconomic issues, we argue that these macroeconomic issues are actually accelerating a technology transition from legacy products to alternative data management systems like Hadoop and NoSQL that typically sell for dimes on the dollar. We believe these macro issues are real, and rather than just causing delays in big deals for the legacy vendors, enterprises are struggling to control costs and are increasingly looking at lower cost solutions as alternatives to traditional products. — Peter Goldmacher Cowen and Company

A problem as big as the affordable-housing crisis calls for a big solution. It should be at the top of America's domestic-policy agenda - because it is driving poor families to financial ruin and even starting to engulf families with moderate incomes. Today, over 1 in 5 of all renting families in the country spends half of its income on housing. America can and should work to make its cities livable again.

In her survey of more than 1,000 clients who use financial advisors, one of the questions Littlechild asked was, “What were the circumstances of the last referral you gave to your advisor?” Half of the people said that they were asked specifically by a friend to recommend a financial advisor. Over half the people communicated some financial need for which the person knew his financial advisor had a solution. And how many people said that the circumstance of their last referral was that the advisor asked for it? Two percent, which is statistically equivalent to zero. Essentially no one gave a referral because the advisor asked for it. They gave a referral because their friend expressed a need, and they wanted to help (Figure 1.1). Most referral programs reflect a hunter mentality. We must go out and stalk and capture the referral. How do you suppose the prey feels in this relationship?

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First, you have huge capital costs that never go away. If you spend $1 billion building a coal plant, the next plant you build will not be any cheaper. And your investors put up that money with the expectation that the plant will run for 30 years or more. If someone comes along with a better technology 10 years down the road, you’re not going to just shut down your old plant and go build a new one. At least not without a very good reason—like a big financial payoff, or government regulations that force you to.

What we really crave is for someone to make loving sense of us. We want them to write us, with all our complexity and obscurity, down in crisply phrased and clear sentences. Our reading of someone else’s novel is dutiful and well-educated no doubt, but it is as if we went to the doctor and they made a very accurate diagnosis of someone else’s earache, or if a financial advisor went to great lengths to present us with a solution to the money troubles of a stranger, from which we could at best extract the occasional fleeting hint of what might possibly be useful in our own case.

Simple organisational mechanisms, such as the creation of a sub committee of the EXCO body, under the authorisation of the CEO and chaired by the Chief Financial Officer (CFO) or the Chief Operating Officer (COO) — i.e., those who have the necessary organisational authority to resolve issues — should be established. Reporting into this group should be weekly and any variance to plan should be identified for resolution. There may be other organisational solutions but as a minimum, project reporting should be frequent and escalation for issue resolution should be integral to the process.

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I wanted to help rescue this species from endangerment by learning about the elephants’ intricate social structure, increasing worldwide attention to this species through my research and scientific advancements in knowledge. However, when the scientific papers that I had spent years writing finally came out, there was little reaction. I felt proud of my scientific accomplishments but was sad that I wasn’t doing more for the species that I cared about so much. The following year after I graduated, a new paper by one of my colleagues in Gabon found that between 2002-2011, the duration of my Ph.D. plus a few years, over 60% of the entire forest elephant population declined due to poaching[5]. The poaching was almost exclusively driven by the consumption of their tusks as sources for carving statues, jewelry, and other decorative objects. The true conservation issue had nothing to do with studying the elephants themselves. What was the point of studying a species if it might not exist in a few decades?  If I really wanted to help forest elephants, I should have been studying the people, the consumers who were purchasing ivory to determine if there were ways to change attitudes towards ivory and purchasing behavior. Yes, having rangers on the ground to protect parks and elephants is important, but if there is no decrease in demand, it will constantly be an uphill battle. All of the solutions to the conservation problems of forest elephants are social, political, and economic first.  If you are interested in pursuing wildlife biology as a career for conservation purposes (like I was) or because you love animals (also me), you might be better suited in another career if research is not your thing but can still work for a conservation organization. Nonprofits need lawyers, financial planners, fundraising experts, and marketing executives to name a few. When I perused the job boards of nonprofit organizations, I was surprised by how few research positions there were. There were far more in fundraising, marketing, and development. Even if you don’t work directly for conservation, honestly, you can still make a difference and help conservation efforts in other ways outside of your career. A lot of conservation is really about investing in programs and habitat, so species stay protected. For example, if you can purchase and/or donate money to organizations that buy large areas of land, this land can be set aside for wildlife conservation. The biggest threat to wildlife is habitat loss and simply buying more land, keeping it undeveloped, and/or restoring it for species to live on, is one of the major means to solve the biodiversity crisis.

Competition for a financial reward is also what keeps Bitcoin’s blockchain secure. If any ill-motivated actors wanted to change Bitcoin’s blockchain, they would need to compete with all the other miners distributed globally who have in total invested hundreds of millions of dollars into the machinery necessary to perform PoW. The miners compete by searching for the solution to a cryptographic puzzle that will allow them to add a block of transactions to Bitcoin’s blockchain.

The managers are getting pressure from executives on the business or financial side of the company. So they come up with an idea and commit to a deadline, but they’re beholden to engineering to make that happen. And that can be a difficult feeling as an engineering team when somebody just comes by and says, ‘Do this, quick, by this deadline,’ and then runs away.” Including developers earlier in the discussion isn’t just about being nice and not hurting their feelings. It also creates real advantages. How can managers commit to deadlines when they don’t understand the actual work that needs to be done? What if the specified solution can’t be built in the time frame given?

In the Adaptive Markets framework, complexity means we don't have a good narrative for the system. The solution is obvious: we need to get smarter. Complexity can sometimes be reduced by developing a deeper understanding of the underlying structure of the system. For example, now that we understand the potential for liquidity spirals in statarb portfolios, thanks to August 2007, we can better prepare for them. But the Adaptive Markets framework points to a second problem with complexity, which is the potential divisiveness of special knowledge and the potential for conflict. If the financial system becomes so complex that only a small number of elites truly understand its function and proper maintenance, this knowledge divides the population into those who know and those who don't. Of course, this situation arises with any piece of unique information - I know how to make scallion pancakes in a particular way so they're crispy on the outside but soft and chewy on the inside, and you probably don't. But that piece of knowledge is hardly worth keeping a secret, and the fact that you don't have that knowledge isn't going to get you too upset. But suppose I know how to cure diabetes and you don't. Or I know how to prevent cancer by avoiding certain common foods and you don't. Or I know how to price mortgage-backed securities and credit default swaps and you don't. In these cases, the knowledge I possess confers a certain power and status to me. Complexity creates the need for better narratives and those who have those narratives will become the high priests of complex systems, the gatekeepers of critical, life-altering knowledge. And the difficulty in joining the priesthood - earning an MD/Ph.D. in molecular biology and having twenty year of work experience at biotech and pharmaceutical companies, in the case of curing diabetes - coupled with the societal values of the special knowledge will determine the divisiveness of this elitism.