Go Fund Me Quotes

Ladies and gentlemen of the class of '97: Wear sunscreen. If I could offer you only one tip for the future, sunscreen would be it. The long-term benefits of sunscreen have been proved by scientists, whereas the rest of my advice has no basis more reliable than my own meandering experience. I will dispense this advice now. Enjoy the power and beauty of your youth. Oh, never mind. You will not understand the power and beauty of your youth until they've faded. But trust me, in 20 years, you'll look back at photos of yourself and recall in a way you can't grasp now how much possibility lay before you and how fabulous you really looked. You are not as fat as you imagine. Don't worry about the future. Or worry, but know that worrying is as effective as trying to solve an algebra equation by chewing bubble gum. The real troubles in your life are apt to be things that never crossed your worried mind, the kind that blindside you at 4 pm on some idle Tuesday. Do one thing everyday that scares you. Sing. Don't be reckless with other people's hearts. Don't put up with people who are reckless with yours. Floss. Don't waste your time on jealousy. Sometimes you're ahead, sometimes you're behind. The race is long and, in the end, it's only with yourself. Remember compliments you receive. Forget the insults. If you succeed in doing this, tell me how. Keep your old love letters. Throw away your old bank statements. Stretch. Don't feel guilty if you don't know what you want to do with your life. The most interesting people I know didn't know at 22 what they wanted to do with their lives. Some of the most interesting 40-year-olds I know still don't. Get plenty of calcium. Be kind to your knees. You'll miss them when they're gone. Maybe you'll marry, maybe you won't. Maybe you'll have children, maybe you won't. Maybe you'll divorce at 40, maybe you'll dance the funky chicken on your 75th wedding anniversary. Whatever you do, don't congratulate yourself too much, or berate yourself either. Your choices are half chance. So are everybody else's. Enjoy your body. Use it every way you can. Don't be afraid of it or of what other people think of it. It's the greatest instrument you'll ever own. Dance, even if you have nowhere to do it but your living room. Read the directions, even if you don't follow them. Do not read beauty magazines. They will only make you feel ugly. Get to know your parents. You never know when they'll be gone for good. Be nice to your siblings. They're your best link to your past and the people most likely to stick with you in the future. Understand that friends come and go, but with a precious few you should hold on. Work hard to bridge the gaps in geography and lifestyle, because the older you get, the more you need the people who knew you when you were young. Live in New York City once, but leave before it makes you hard. Live in Northern California once, but leave before it makes you soft. Travel. Accept certain inalienable truths: Prices will rise. Politicians will philander. You, too, will get old. And when you do, you'll fantasize that when you were young, prices were reasonable, politicians were noble, and children respected their elders. Respect your elders. Don't expect anyone else to support you. Maybe you have a trust fund. Maybe you'll have a wealthy spouse. But you never know when either one might run out. Don't mess too much with your hair or by the time you're 40 it will look 85. Be careful whose advice you buy, but be patient with those who supply it. Advice is a form of nostalgia. Dispensing it is a way of fishing the past from the disposal, wiping it off, painting over the ugly parts and recycling it for more than it's worth. But trust me on the sunscreen.

Let me just tell you this, Watanabe," said Midori, pressing her cheek against my neck. "I'm a real, live girl, with real, live blood gushing through my veins. You're holding me in your arms and I'm telling you that I love you. I'm ready to do anything you tell me to do. I may be a little bit mad, but I'm a good girl, and honest, and I work hard, I'm kind of cute, I have nice boobs, I'm a good cook, and my father left me a trust fund. I mean, I'm a real bargain, don't you think? If you don't take me, I'll end up going somewhere else.

Gentlemen! I too have been a close observer of the doings of the Bank of the United States. I have had men watching you for a long time, and am convinced that you have used the funds of the bank to speculate in the breadstuffs of the country. When you won, you divided the profits amongst you, and when you lost, you charged it to the bank. You tell me that if I take the deposits from the bank and annul its charter I shall ruin ten thousand families. That may be true, gentlemen, but that is your sin! Should I let you go on, you will ruin fifty thousand families, and that would be my sin! You are a den of vipers and thieves. I have determined to rout you out, and by the Eternal, (bringing his fist down on the table) I will rout you out!

The bullying of citizens by means of dreads and fights has been going on since paleolithic times. Greenpeace fund-raisers on the subject of global warming are not much different than the tribal Wizards on the subject of lunar eclipses. 'Oh no, Night Wolf is eating the Moon Virgin. Give me silver and I will make him spit her out.

i was really into communal living and we were all / such free spirits, crossing the country we were / nomads and artists and no one ever stopped / to think about how the one working class housemate / was whoring to support a gang of upper middle class / deadheads with trust fund safety nets and connecticut / childhoods, everyone was too busy processing their isms / to deal with non-issues like class....and it’s just so cool / how none of them have hang-ups about / sex work they’re all real / open-minded real / revolutionary you know / the legal definition of pimp is / one who lives off the earnings of / a prostitute, one or five or / eight and i’d love to stay and / eat some of the stir fry i’ve been cooking / for y’all but i’ve got to go fuck / this guy so we can all get stoned and / go for smoothies tomorrow, save me / some rice, ok?

Every second a million petitions wing past the ear of God. Let it be door number two. Get Janet through this. Make Mom fall in love again, make the pain go away, make this key fit. If I fish this cove, plant this field, step into this darkness, give me the strength to see it through. Help my marriage, my sister, me. What will this fund be worth in thirteen days? In thirteen years? Will I be around in thirteen years? And the most unanswerable of unanswerables: Don't let me die. And: What will happen afterward? Chandeliers and choirs? Flocks of souls like starlings harrying across the sky? Eternity; life again as bacteria, or as sunflowers, or as a leatherback turtle; suffocating blackness; cessation of all cellular function.

I knew I’d do anything for money. Throughout college back in Ireland, I’d kept a savings account that I charmingly termed “abortion fund.” It had €1,500 in it by the end. I knew some women who saved with their friends, and they all helped whoever was unlucky. But I didn’t trust anyone. I got the money together by waitressing, then kept adding to it after I had enough for a procedure in England. I liked watching the balance go up. The richer I got, the harder it would be for anyone to force me to do anything.

No,” said a third student. “Novartis is a public company. It’s not the boss or the board who decides. It’s the shareholders. If the board changes its priorities the shareholders will just elect a new board.” “That’s right,” I said. “It’s the shareholders who want this company to spend their money on researching rich people’s illnesses. That’s how they get a good return on their shares.” So there’s nothing wrong with the employees, the boss, or the board, then. “Now, the question is”—I looked at the student who had first suggested the face punching—“who owns the shares in these big pharmaceutical companies?” “Well, it’s the rich.” He shrugged. “No. It’s actually interesting because pharmaceutical shares are very stable. When the stock market goes up and down, or oil prices go up and down, pharma shares keep giving a pretty steady return. Many other kinds of companies’ shares follow the economy—they do better or worse as people go on spending sprees or cut back—but the cancer patients always need treatment. So who owns the shares in these stable companies?” My young audience looked back at me, their faces like one big question mark. “It’s retirement funds.” Silence. “So maybe I don’t have to do any punching, because I will not meet the shareholders. But you will. This weekend, go visit your grandma and punch her in the face. If you feel you need someone to blame and punish, it’s the seniors and their greedy need for stable stocks.

So let me get this straight – this is a long sentence. We are going to be gifted with a health care plan that we are forced to purchase, and fined if we don’t, which reportedly covers 10 million more people without adding a single new doctor, but provides for 16,000 new IRS agents, written by a committee whose chairman doesn’t understand it, passed by Congress, that didn’t read it, but exempted themselves from it, and signed by a president who smokes, with funding administered by a treasury chief who didn’t pay his taxes, for which we will be taxed for four years before any benefits take effect, by a government which has bankrupted Social Security and Medicare, all to be overseen by a surgeon general who is obese and financed by a country that is broke. So what the blank could possibly go wrong?

I walked down to the village with five Sceltie puppies. I came back to the Hall with four.” “And the fifth ?” “By now, I’m sure Sylvia has convinced the little bitch to let go of Mikal’s trousers. And Mrs Beale promised to send her recipe for puppy biscuits to Sylvia’s cook.” “Mrs Beale agreed to share a recipe,” Saetan said slowly. “Mrs Beale agreed that I could pay for... I’m not sure what it is except that it’s something she wanted for the kitchen but couldn’t justify as a normal household expense.” “And you agreed to fund this in exchange for a recipe ?” Daemon stared at his father for a long moment before he muttered, “She sharpened the meat cleaver before coming to talk to me.” One beat of silence. Two. Then Saetan burst out laughing.

I hate Hollywood fund-raisers. I am so bored going to a twenty-five million dollar house to hear a mogul say, “Good news, everyone. Tonight we’ve raised almost twelve thousand dollars!” You paid your gay hustler more than that, you cheap thing. Why not spare all of us the canapés, small talk and crème brûlée and just write a damn check?

And I thought of us, years and years later, you and I, in Paris, and how you seemed to be saying we had every choice, every chance. You acted as though you were free, but you were a ransom note. I paid to watch. I watched your fingers, your red mouth. I watched you undress. I didn't see you go. Later I was still paying and I never counted the cost. You were worth it. Again and again you were worth it. My heart has unlimited funds. Draw on them. Draw them down. Draw me down on top of you. How much? Everything? All right.

Gentlemen, I have had men watching you for a long time and I am convinced that you have used the funds of the bank to speculate in the breadstuffs of the country. When you won, you divided the profits amongst you, and when you lost, you charged it to the bank. You tell me that if I take the deposits from the bank and annul its charter, I shall ruin ten thousand families. That may be true, gentlemen, but that is your sin! Should I let you go on, you will ruin fifty thousand families, and that would be my sin! You are a den of vipers and thieves.

I remember [my first meeting] like it was yesterday. A 24-year-old woman came to see me, sobbing. “Mr. Feinberg, my husband died in the World Trade Center. He was a fireman, and he left me with our two children, six and four. Now, I’ve applied to the Fund, and you have calculated that I’m going to get $2.8 million tax-free. I want it in 30 days.” I said, “Why do you need the money in 30 days?” She said, “Why 30 days? I have terminal cancer. I have 10 weeks to live. My husband was gonna survive me and take care of our two children. Now they’re gonna be orphans. I have got to get this money while I still have my faculties. I’ve gotta set up a trust. I’ve gotta find a guardian. We never anticipated this.” I ran down to the Treasury, we accelerated the processing of her claim, we got her the money, and eight weeks later she died. You think you’re ready for anything and you’re not.

When about 16 years of age I happened to meet with a book, written by one Tryon, recommending a vegetable diet. I determined to go into it. My brother, being yet unmarried, did not keep house, but boarded himself and his apprentices in another family. My refusing to eat flesh occasioned an inconveniency, and I was frequently chid for my singularity. I made myself acquainted with Tryon's manner of preparing some of his dishes, such as boiling potatoes or rice, making hasty pudding, and a few others, and then proposed to my brother, that if he would give me, weekly, half the money he paid for my board, I would board myself. He instantly agreed to it, and I presently found that I could save half what he paid me. This was an additional fund for buying books. But I had another advantage in it. My brother and the rest going from the printing-house to their meals, I remained there alone, and, despatching presently my light repast, which often was no more than a bisket or a slice of bread, a handful of raisins or a tart from the pastry-cook's, and a glass of water, had the rest of the time till their return for study, in which I made the greater progress, from that greater clearness of head and quicker apprehension which usually attend temperance in eating and drinking.

I left out the part that I had a major crush on him and was enjoying my time with him more than I should. “What does that guy look like anyway?” Tyler asked. “Josh? Hot fireman.” No point in lying to him. He’d see for himself soon enough. And Tyler was never shocked by my bluntness. “Not hotter than me, I hope.” He was giving me that cocky grin of his right through the phone. The guy knew he was gorgeous. He didn’t sound particularly worried. “It’s kind of a crapshoot, actually. The two of you would really rake it in at one of those ‘save the children’ fund-raisers where the guys get auctioned off.” I’d go broke at that fund-raiser. For the kids, of course.

Investment Owner’s Contract I, _____________ ___________________, hereby state that I am an investor who is seeking to accumulate wealth for many years into the future. I know that there will be many times when I will be tempted to invest in stocks or bonds because they have gone (or “are going”) up in price, and other times when I will be tempted to sell my investments because they have gone (or “are going”) down. I hereby declare my refusal to let a herd of strangers make my financial decisions for me. I further make a solemn commitment never to invest because the stock market has gone up, and never to sell because it has gone down. Instead, I will invest $______.00 per month, every month, through an automatic investment plan or “dollar-cost averaging program,” into the following mutual fund(s) or diversified portfolio(s): _________________________________, _________________________________, _________________________________. I will also invest additional amounts whenever I can afford to spare the cash (and can afford to lose it in the short run). I hereby declare that I will hold each of these investments continually through at least the following date (which must be a minimum of 10 years after the date of this contact): _________________ _____, 20__. The only exceptions allowed under the terms of this contract are a sudden, pressing need for cash, like a health-care emergency or the loss of my job, or a planned expenditure like a housing down payment or a tuition bill. I am, by signing below, stating my intention not only to abide by the terms of this contract, but to re-read this document whenever I am tempted to sell any of my investments. This contract is valid only when signed by at least one witness, and must be kept in a safe place that is easily accessible for future reference.

What I didn’t realize at the time was that living through that bust was the luckiest thing that would ever happen to me. It taught me perhaps the single most important lesson about business and about life: Things go wrong more often than they go right. Failure is actually a natural—even crucial—element of a healthy economy.

Anyway, Smith told me to sign some papers for the three ideas I was giving to the government to patent. Now, it’s some dopey legal thing, but when you give the patent to the government, the document you sign is not a legal document unless there’s some exchange, so the paper I signed said, “For the sum of one dollar, I, Richard P. Feynman, give this idea to the government…” I sign the paper. “Where’s my dollar?” “That’s just a formality,” he says. “We haven’t got any funds set up to give a dollar.” “You’ve got it all set up that I’m signing for the dollar,” I say. “I want my dollar!” “This is silly,” Smith protests. “No, it’s not,” I say. “It’s a legal document. You made me sign it, and I’m an honest man. If I sign something that says I got a dollar, I’ve gotta get a dollar. There’s no fooling around about it.” “All right, all right!” he says, exasperated. “I’ll give you a dollar, from my pocket!” “OK.” I take the dollar, and I realize what I’m going to do. I go down to the grocery store, and I buy a dollar’s worth—which was pretty good, then—of cookies and goodies, those chocolate goodies with marshmallow inside, a whole lot of stuff. I come back to the theoretical laboratory, and I give them out: “I got a prize, everybody! Have a cookie! I got a prize! A dollar for my patent! I got a dollar for my patent!” Everybody who had one of those patents—a lot of people had been sending them in—everybody comes down to Captain Smith: they want their dollar!

I’ll lose all my funding and I’ll have to close the lab and drive a taxi for a living.” “Heaven forbid!” Uncle Theron said in real horror, and Bunny said, “You’re going to make me drop out of school and get a job, aren’t you. You’re going to make me go to work serving raw bloody sirloins in some steakhouse.” Kate wondered why they were both contemplating careers they were so unsuited for.

When my father died we did not have the funds to keep all three of us in school. The tuition is very expensive. My sisters are still in school and I am here to find work so they can stay there. Without a formal education there is no future for girls in Kathmandu. I would like to go back to school myself, but it is unlikely I will be able to. It is more important that my sisters attend school than it is for me.” Sun-jo

I discovered this tie several years ago when reporting on an FDA source’s tip about the suspected link between antiperspirants and breast cancer. The FDA official told me that the agency was contemplating requiring a breast cancer warning on antiperspirants based on several studies suggesting a possible link. But some inside the FDA felt that industry opposition would be insurmountable. It was an inside debate that would interest many in the public. As I pursued the story, the cosmetics industry wouldn’t do an interview but referred me to the American Cancer Society, which, they assured me, would defend their interests. Indeed, the American Cancer Society was all too happy to agree to appear on camera debunking any idea of a link between antiperspirants and breast cancer. But in my pre-interview with the Cancer Society’s chief doctor, I discovered he hadn’t read—and apparently didn’t know about—the latest peer-reviewed, published studies suggesting a link. That’s when I thought to ask the Cancer Society if it got funding from the cosmetics industry. The answer was a very defensive “Yes.” But the charity wouldn’t disclose how much and said they wouldn’t go through with the on-camera interview unless I agreed not to ask about the antiperspirant industry funding. I forwarded the studies to the American Cancer Society’s doctor. When he did the on-camera interview with me, he reversed his earlier position that had claimed the antiperspirant–breast cancer link was a “myth.” Instead, he answered my questions by deflecting—repeatedly stating, when asked about the latest antiperspirant studies, that women have more important things to focus on, such as getting regular mammograms.

I spend a great deal of time working for kids in Uganda and India and chasing bad guys who hurt them. I started a nonprofit a number of years ago and now Sweet Maria and I think about my day job as a great way to fund the things we’re doing. Now when I put on a suit and tie or jump on a plane to go take a deposition, we call it “fund-raising.” It still makes me grin every time to say it this way. It’s like a really successful bake sale to get rid of bad guys.

You’re so bright, Trav, and so intuitive about people. And you have … the gift of tenderness. And sympathy. You could be almost anything.” “Of course!” I said, springing to my feet and beginning to pace back and forth through the lounge. “Why didn’t I think of that! Here I am, wasting the golden years on this lousy barge, getting all mixed up with lame-duck women when I could be out there seeking and striving. Who am I to keep from putting my shoulder to the wheel? Why am I not thinking about an estate and how to protect it? Gad, woman, I could be writing a million dollars a year in life insurance. I should be pulling a big oar in the flagship of life. Maybe it isn’t too late yet! Find the little woman, and go for the whole bit. Kiwanis, P.T.A., fund drives, cookouts, a clean desk, and vote the straight ticket, yessiree bob. Then when I become a senior citizen, I can look back upon …” I stopped when I heard the small sound she was making. She sat with her head bowed. I went over and put my fingertips under her chin. I tilted her head up and looked down into her streaming eyes. “Please, don’t,” she whispered. “You’re beginning to bring out the worst in me, woman.” “It was none of my business.” “I will not dispute you.” “But … who did this to you?” “I’ll never know you well enough to try to tell you, Lois.” She tried to smile. “I guess it can’t be any plainer than that.” “And I’m not a tragic figure, no matter how hard you try to make me into one. I’m delighted with myself, woman.” “And you wouldn’t say it that way if you were.” “Spare me the cute insights.

What made me angrier was that none of the others seemed to care. To them, I knew, this didn’t make the slightest bit of difference. What was it to them if they had to go an extra term? What did it matter, if they failed to graduate, if they had to go back home? At least they had homes to go to. They had trust funds, allowances, dividend checks, doting grandmas, well-connected uncles, loving families. College for them was only a way station, a sort of youthful diversion. But this was my main chance, the only one. And I had blown it.

We decided to attend to our community instead of asking our community to attend the church.” His staff started showing up at local community events such as sports contests and town hall meetings. They entered a float in the local Christmas parade. They rented a football field and inaugurated a Free Movie Night on summer Fridays, complete with popcorn machines and a giant screen. They opened a burger joint, which soon became a hangout for local youth; it gives free meals to those who can’t afford to pay. When they found out how difficult it was for immigrants to get a driver’s license, they formed a drivers school and set their fees at half the going rate. My own church in Colorado started a ministry called Hands of the Carpenter, recruiting volunteers to do painting, carpentry, and house repairs for widows and single mothers. Soon they learned of another need and opened Hands Automotive to offer free oil changes, inspections, and car washes to the same constituency. They fund the work by charging normal rates to those who can afford it. I heard from a church in Minneapolis that monitors parking meters. Volunteers patrol the streets, add money to the meters with expired time, and put cards on the windshields that read, “Your meter looked hungry so we fed it. If we can help you in any other way, please give us a call.” In Cincinnati, college students sign up every Christmas to wrap presents at a local mall — ​no charge. “People just could not understand why I would want to wrap their presents,” one wrote me. “I tell them, ‘We just want to show God’s love in a practical way.’ ” In one of the boldest ventures in creative grace, a pastor started a community called Miracle Village in which half the residents are registered sex offenders. Florida’s state laws require sex offenders to live more than a thousand feet from a school, day care center, park, or playground, and some municipalities have lengthened the distance to half a mile and added swimming pools, bus stops, and libraries to the list. As a result, sex offenders, one of the most despised categories of criminals, are pushed out of cities and have few places to live. A pastor named Dick Witherow opened Miracle Village as part of his Matthew 25 Ministries. Staff members closely supervise the residents, many of them on parole, and conduct services in the church at the heart of Miracle Village. The ministry also provides anger-management and Bible study classes.

Trump continued, “Now, you can say that that’s OK and Hillary can say that that’s OK. But it’s not OK with me, because based on what she’s saying, and based on where she’s going, and where she’s been, you can take the baby and rip the baby out of the womb in the ninth month on the final day. And that’s not acceptable.”34 As improbable as it had once seemed, by the 2020 State of the Union address Trump had proven himself to be a thoroughly pro-life president. He had taken swift and decisive action to limit access to abortion, preventing tax dollars from funding abortions overseas and allowing states to cut federal funds to Planned Parenthood.

Turns out, I learned a lot from not being able to go to France. Turns out, those days standing on the concrete floor wearing a hairnet, a paper mask and gown, goggles, and plastic gloves, and- with a pair of tweezers- placing two pipe cleaners into a sterile box that came to me down a slow conveyor belt for eight excruciating hours a day taught me something important I couldn't have learned any other way. That job and the fifteen others I had before I graduated college were my own personal "educational opportunities." They changed my life for the better, though it took me a while to understand their worth. They gave me faith in my own abilities. They offered me a unique view of worlds that were both exotic and familiar to me. They kept things in perspective. They pissed me off. They opened my mind to realities I didn't know existed. They forced me to be resilient, to sacrifice, to see how little I knew, and also how much. They put me in close contact with people who could've funded the college educations of ten thousand kids and also with people who would've rightly fallen on the floor laughing had I complained to them about how unfair it was that after I got my degree I'd have this student loan I'd be paying off until I was forty-three. They made my life big. They contributed to an education that money can't buy.

Here’s a Reader’s Digest version of my approach. I select mutual funds that have had a good track record of winning for more than five years, preferably for more than ten years. I don’t look at their one-year or three-year track records because I think long term. I spread my retirement, investing evenly across four types of funds. Growth and Income funds get 25 percent of my investment. (They are sometimes called Large Cap or Blue Chip funds.) Growth funds get 25 percent of my investment. (They are sometimes called Mid Cap or Equity funds; an S&P Index fund would also qualify.) International funds get 25 percent of my investment. (They are sometimes called Foreign or Overseas funds.) Aggressive Growth funds get the last 25 percent of my investment. (They are sometimes called Small Cap or Emerging Market funds.) For a full discussion of what mutual funds are and why I use this mix, go to daveramsey.com and visit MyTotalMoneyMakeover.com. The invested 15 percent of your income should take advantage of all the matching and tax advantages available to you. Again, our purpose here is not to teach the detailed differences in every retirement plan out there (see my other materials for that), but let me give you some guidelines on where to invest first. Always start where you have a match. When your company will give you free money, take it. If your 401(k) matches the first 3 percent, the 3 percent you put in will be the first 3 percent of your 15 percent invested. If you don’t have a match, or after you have invested through the match, you should next fund Roth IRAs. The Roth IRA will allow you to invest up to $5,000 per year, per person. There are some limitations as to income and situation, but most people can invest in a Roth IRA. The Roth grows tax-FREE. If you invest $3,000 per year from age thirty-five to age sixty-five, and your mutual funds average 12 percent, you will have $873,000 tax-FREE at age sixty-five. You have invested only $90,000 (30 years x 3,000); the rest is growth, and you pay no taxes. The Roth IRA is a very important tool in virtually anyone’s Total Money Makeover. Start with any match you can get, and then fully fund Roth IRAs. Be sure the total you are putting in is 15 percent of your total household gross income. If not, go back to 401(k)s, 403(b)s, 457s, or SEPPs (for the self-employed), and invest enough so that the total invested is 15 percent of your gross annual pay. Example: Household Income $81,000 Husband $45,000 Wife $36,000 Husband’s 401(k) matches first 3%. 3% of 45,000 ($1,350) goes into the 401(k). Two Roth IRAs are next, totaling $10,000. The goal is 15% of 81,000, which is $12,150. You have $11,350 going in. So you bump the husband’s 401(k) to 5%, making the total invested $12,250.

It was a wake-up call to me to learn that Airbnb was by no means unique: Instagram started as a location-based social network called Burbn (which had an optional photo feature). It attracted a core group of users and more than $500,000 in funding. And yet the founders realized that its users were flocking to only one part of the app—the photos and filters. They had a meeting, which one of the founders recounts like this: “We sat down and said, ‘What are we going to work on next? How are we going to evolve this product into something millions of people will want to use? What is the one thing that makes this product unique and interesting?’”7 The service soon retooled to become Instagram as we know it: a mobile app for posting photos with filters. The result? One hundred thousand users within a week of relaunching. Within eighteen months, the founders sold Instagram to Facebook for $1 billion. I know that seems simple, that the marketing lesson from Instragram is that they made a product that was just awesome. But that’s good news for you—it means there’s no secret sauce, and the second your product gets to be that awesome, you can see similar results. Just look at Snapchat, which essentially followed the same playbook by innovating in the mobile photo app space, blew up with young people, and skyrocketed to a $3.5-billion-dollar valuation with next-to-no marketing.

Bill Clinton told the story in 2015, he had to ask his girlfriend to marry him, and come to Arkansas where he was pursuing a political career, three times before she said yes. He recalled telling Hillary Rodham, “I want you to marry me, but you shouldn’t do it.” Instead, he urged her to go to Chicago or New York to begin a political career of her own. “Oh, my God,” he remembered Hillary responding at one point. “I’ll never run for office. I’m too aggressive, and nobody will ever vote for me.” She moved to Arkansas and married him, working as a lawyer, law professor, and for the Children’s Defense Fund. She didn’t put the gas on her own political career until after her husband left the White House and their daughter was in college. Today,

Trusting in God's Direction When I served as a denominational leader in Vancouver, one of our churches believed God was leading it to begin three new mission churches for different language groups. At that time, the church had only seventeen members. Human reason would have immediately ruled out such a large assignment for a small church. They were hoping to receive financial support from our denomination's Home Mission Board to pay the mission pastors' salaries. One pastor was already in the process of relocating to Vancouver when we unexpectedly received word that the mission board would be unable to fund any new work in our area for the next three years. The church didn't have the funds to do what God had called it to do. When they sought my counsel, I suggested that they first go back to the Lord and clarify what God had said to them. If this was merely something they wanted to do for God, God would not be obligated to provide for them. After they sought the Lord, they returned and said, “We still believe God is calling us to start all three new churches.” At this point, they had to walk by faith and trust God to provide for what He was clearly leading them to do. A few months later, the church received some surprising news. Six years earlier, I had led a series of meetings in a church in California. An elderly woman had approached me and said she wanted to will part of her estate for use in mission work in our city. The associational office had just received a letter from an attorney in California informing them that they would be receiving a substantial check from that dear woman's estate. The association could now provide the funds needed by the sponsoring church. The amount was sufficient to firmly establish all three churches this faithful congregation had launched. Did God know what He was doing when He told a seventeen-member church to begin three new congregations? Yes. He already knew the funds would not be available from the missions agency, and He was also aware of the generosity of an elderly saint in California. None of these details caught God by surprise. That small church in Vancouver had known in their minds that God could provide. But through this experience they developed a deeper trust in their all knowing God. Whenever God directs you, you will never have to question His will. He knows what He is going to do.

The United States of America has now reached a whole new level of patriarchal absurdity. You mean they massacred the Indians, enslaved the Africans, cut down all the trees, poisoned all the rivers, and extinguished or imprisoned all the animals for THIS, this hellhole of bombast and hamburgers and opioid addictions and cardboard-box houses and pretend ideas? You mean they used up all the oxygen on 4th of July firecrackers and forcing kids to pledge allegiance to the flag every goddam day, drank Coke till they choked, spat tobaccy till they puked, fought cancer (but only for people with lots of money), nestled in Nestlés, slurped slurpees, burped burpees, handed on herpes, Tasered the wayward, jailed the frail and tortured about a million billion chickens (then fried and ate them), just so people can drive around and shoot each other and create GoFundMe sites to pay the hospital bills?

You’re as beautiful as you were the night we made our son,” she whispered, bending to kiss him tenderly. His fingers traced her dark eyebrows, her cheeks, her mouth. “I wish we could have another baby,” he said heavily. “So do I. But I’m too old,” she said sadly. She lay her cheek against his broad, damp chest and stroked the silver-tipped hair that covered it. “We’ll have to hope for grandchildren, if he ever forgives us.” He held her tightly, as if by holding her he could keep her safe. What he felt for her was ferociously protective. She misunderstood the tightening of his arms. She smiled and sighed. “We can’t, again. Cecily will think we’ve deserted her.” His hand smoothed her long hair. “She probably knows exactly what we’re doing,” he said on a chuckle. “She loves you.” “She likes you. Maybe we could adopt her.” “Better if our son marries her.” She grinned. “We can hope.” She sat up and stretched, liking the way he watched her still-firm breasts. “The last time I felt like this was thirty-six years ago,” she confided. “The same is true for me,” he replied. She searched his eyes, already facing her departure. She would have to go back to the reservation, home. He could still read her better than she knew. He drew her hand to his mouth. “It’s too late, but I want to marry you. This week. As soon as possible.” She was surprised. She didn’t know what to say. “I love you,” he said. “I never stopped. Forgive me and say yes.” She considered the enormity of what she would be agreeing to do. Be his hostess. Meet his friends. Go to fund-raising events. Wear fancy clothes. Act sophisticated. “Your life is so different from mine,” she began. “Don’t you start,” he murmured. “I’ve seen what it did to Cecily when Tate used that same argument with her about all the differences. It won’t work with me. We love each other too much to worry about trivial things. Say yes. We’ll work out all the details later.” “There will be parties, benefits…” He pulled her down into his arms and kissed her tenderly. “I don’t know much about etiquette,” she tried again. He rolled her over, pinning her gently. One long leg inserted itself between both of hers as he kissed her. “Oh, what the hell,” she murmured, and wrapped her legs around his, groaning as the joints protested. “Arthritis?” he asked. “Osteoarthritis.” “Me, too.” He shifted, groaning a little himself as he eased down. “We’ll work on new positions one day. But it’s…too late…now. Leta…!” he gasped. She didn’t have enough breath to answer him. He didn’t seem to notice that she hadn’t. Bad joints notwithstanding, they managed to do quite a few things that weren’t recommended for people their ages. And some that weren’t in the book at all.

Of course, women are capable of all sorts of major unpleasantness, and there are violent crimes by women, but the so-called war of the sexes is extraordinarily lopsided when it comes to actual violence. Unlike the last (male) head of the International Monetary Fund, the current (female) head is not going to assault an employee at a luxury hotel; top-ranking female officers in the US military, unlike their male counterparts, are not accused of any sexual assaults; and young female athletes, unlike those male football players in Steubenville, aren’t likely to urinate on unconscious boys, let alone violate them and boast about it in YouTube videos and Twitter feeds.   No female bus riders in India have ganged up to sexually assault a man so badly he dies of his injuries, nor are marauding packs of women terrorizing men in Cairo’s Tahrir Square, and there’s just no maternal equivalent to the 11 percent of rapes that are by fathers or stepfathers.

Waste of what?” “Of you! It seems degrading. Forgive me for saying that. I’ve seen those African movies. The lion makes a kill and then clever animals come in and grab something and run. You’re so bright, Trav, and so intuitive about people. And you have … the gift of tenderness. And sympathy. You could be almost anything.” “Of course!” I said, springing to my feet and beginning to pace back and forth through the lounge. “Why didn’t I think of that! Here I am, wasting the golden years on this lousy barge, getting all mixed up with lame-duck women when I could be out there seeking and striving. Who am I to keep from putting my shoulder to the wheel? Why am I not thinking about an estate and how to protect it? Gad, woman, I could be writing a million dollars a year in life insurance. I should be pulling a big oar in the flagship of life. Maybe it isn’t too late yet! Find the little woman, and go for the whole bit. Kiwanis, P.T.A., fund drives, cookouts, a clean desk, and vote the straight ticket, yessiree bob. Then when I become a senior citizen, I can look back upon …

One of my very favorite writers on scarcity is global activist and fund-raiser Lynne Twist. In her book The Soul of Money, she refers to scarcity as “the great lie.” She writes: For me, and for many of us, our first waking thought of the day is “I didn’t get enough sleep.” The next one is “I don’t have enough time.” Whether true or not, that thought of not enough occurs to us automatically before we even think to question or examine it. We spend most of the hours and the days of our lives hearing, explaining, complaining, or worrying about what we don’t have enough of.…Before we even sit up in bed, before our feet touch the floor, we’re already inadequate, already behind, already losing, already lacking something. And by the time we go to bed at night, our minds are racing with a litany of what we didn’t get, or didn’t get done, that day. We go to sleep burdened by those thoughts and wake up to that reverie of lack.…This internal condition of scarcity, this mind-set of scarcity, lives at the very heart of our jealousies, our greed, our prejudice, and our arguments with life.…(43–45).

New Rule: Democrats must get in touch with their inner asshole. I refer to the case of Van Jones, the man the Obama administration hired to find jobs for Americans in the new green industries. Seems like a smart thing to do in a recession, but Van Jones got fired because he got caught on tape saying Republicans are assholes. And they call it news! Now, I know I'm supposed to be all reinjected with yes-we-can-fever after the big health-care speech, and it was a great speech--when Black Elvis gets jiggy with his teleprompter, there is none better. But here's the thing: Muhammad Ali also had a way with words, but it helped enormously that he could also punch guys in the face. It bothers me that Obama didn't say a word in defense of Jones and basically fired him when Glenn Beck told him to. Just like dropped "end-of-life counseling" from health-care reform because Sarah Palin said it meant "death panels" on her Facebook page. Crazy morons make up things for Obama to do, and he does it. Same thing with the speech to schools this week, where the president attempted merely to tell children to work hard and wash their hands, and Cracker Nation reacted as if he was trying to hire the Black Panthers to hand out grenades in homeroom. Of course, the White House immediately capitulated. "No students will be forced to view the speech" a White House spokesperson assured a panicked nation. Isn't that like admitting that the president might be doing something unseemly? What a bunch of cowards. If the White House had any balls, they'd say, "He's giving a speech on the importance of staying in school, and if you jackasses don't show it to every damn kid, we're cutting off your federal education funding tomorrow." The Democrats just never learn: Americans don't really care which side of an issue you're on as long as you don't act like pussies When Van Jones called the Republicans assholes, he was paying them a compliment. He was talking about how they can get things done even when they're in the minority, as opposed to the Democrats , who can't seem to get anything done even when they control both houses of Congress, the presidency, and Bruce Springsteen. I love Obama's civility, his desire to work with his enemies; it's positively Christlike. In college, he was probably the guy at the dorm parties who made sure the stoners shared their pot with the jocks. But we don't need that guy now. We need an asshole. Mr. President, there are some people who are never going to like you. That's why they voted for the old guy and Carrie's mom. You're not going to win them over. Stand up for the seventy percent of Americans who aren't crazy. And speaking of that seventy percent, when are we going to actually show up in all this? Tomorrow Glenn Beck's army of zombie retirees descending on Washington. It's the Million Moron March, although they won't get a million, of course, because many will be confused and drive to Washington state--but they will make news. Because people who take to the streets always do. They're at the town hall screaming at the congressman; we're on the couch screaming at the TV. Especially in this age of Twitters and blogs and Snuggies, it's a statement to just leave the house. But leave the house we must, because this is our last best shot for a long time to get the sort of serious health-care reform that would make the United States the envy of several African nations.

I look around and see many shelters and services for survivors of domestic violence, but no large-scale movement to end male violence. I see many batterer intervention programs, but few men involved in challenging sexism. The loss of vision that narrowed the focus of men's work reflects a change that occurred in other parts of the movement to end violence, as activists who set out to change the institutions perpetrating violence settled into service jobs helping people cope. [...] Social service work addresses the needs of individuals reeling from the personal and devastating impact of institutional systems of exploitation and violence. Social change work challenges the root causes of the exploitation and violence. In my travels throughout the United States, I talk with many service providers, more and more of whom are saying to me, "We could continue doing what we are doing for another hundred years and the levels of violence would not change. I meet more and more people who are running programs for batterers who say ,"We are only dealing with a minute number of the men who are violent and are having little impact on the systems which perpetuate male violence." [...] While there is some overlap between social service provision and social change work, the two do not necessarily go readily together. In our violent world, the needs and numbers of survivors are never ending, and the tasks of funding, staffing, and developing resources for our organizations to meet those needs are difficult, poorly supported, and even actively undermined by those with power and wealth in our society. Although some groups are both working for social change and providing social services, there are many more groups providing social services that are not working for social change. In fact, many social service agencies may be intentionally or inadvertently working to maintain the status quo. After all, the non-profit industrial complex (NPIC) wouldn't exist without a lot of people in desperate straits. The NPIC provides jobs; it provides opportunities for professional development. It enables those who do the work to feel good about what we do and about our ability to help individuals survive in the system. It gives a patina of caring and concern to the ruling class which funds the work.

I cooked with so many of the greats: Tom Colicchio, Eric Ripert, Wylie Dufresne, Grant Achatz. Rick Bayless taught me not one but two amazing mole sauces, the whole time bemoaning that he never seemed to know what to cook for his teenage daughter. Jose Andres made me a classic Spanish tortilla, shocking me with the sheer volume of viridian olive oil he put into that simple dish of potatoes, onions, and eggs. Graham Elliot Bowles and I made gourmet Jell-O shots together, and ate leftover cheddar risotto with Cheez-Its crumbled on top right out of the pan. Lucky for me, Maria still includes me in special evenings like this, usually giving me the option of joining the guests at table, or helping in the kitchen. I always choose the kitchen, because passing up the opportunity to see these chefs in action is something only an idiot would do. Susan Spicer flew up from New Orleans shortly after the BP oil spill to do an extraordinary menu of all Gulf seafood for a ten-thousand-dollar-a-plate fund-raising dinner Maria hosted to help the families of Gulf fishermen. Local geniuses Gil Langlois and Top Chef winner Stephanie Izard joined forces with Gale Gand for a seven-course dinner none of us will ever forget, due in no small part to Gil's hoisin oxtail with smoked Gouda mac 'n' cheese, Stephanie's roasted cauliflower with pine nuts and light-as-air chickpea fritters, and Gale's honey panna cotta with rhubarb compote and insane little chocolate cookies. Stephanie and I bonded over hair products, since we have the same thick brown curls with a tendency to frizz, and the general dumbness of boys, and ended up giggling over glasses of bourbon till nearly two in the morning. She is even more awesome, funny, sweet, and genuine in person than she was on her rock-star winning season on Bravo. Plus, her food is spectacular all day. I sort of wish she would go into food television and steal me from Patrick. Allen Sternweiler did a game menu with all local proteins he had hunted himself, including a pheasant breast over caramelized brussels sprouts and mushrooms that melted in your mouth (despite the occasional bit of buckshot). Michelle Bernstein came up from Miami and taught me her white gazpacho, which I have since made a gajillion times, as it is probably one of the world's perfect foods.

Believe me," Dr. Tamalet summed up, "if you wanted that operation in France, you could get it" Which is, of course, the boon and the bane of France's health care system. It offers a maximum of free choice among skillful doctors and well-equipped hospitals, with little or not waiting, at bargain-basement prices [in out-of-pocket terms to the consumer]. It's a system that enables the French to live longer and healthier lives, with zero risk of financial loss due to illness. But somebody has to pay for all that high-quality, ready-when-you-need-it care--and the patients, so far, have not been willing to do so. As a result, the major health insurance funds are all operating at a deficit, and the costs of the health care system are increasing significantly faster than the economy as a whole. That's why the doctors keep striking and the sickness funds keep negotiating and the government keeps going back to the drawing board, with a new 'major health care reform' every few years. So far, the saving grace for France's system has been the high level of efficiency, as exemplified by the 'carte vitale,' that keeps administrative costs low--much lower than in the United States.

tried to go to a counselor, but it was just too weird. Talking to some stranger about my feelings made me want to vomit. I did go to the library, and I learned that behavior I considered commonplace was the subject of pretty intense academic study. Psychologists call the everyday occurrences of my and Lindsay’s life “adverse childhood experiences,” or ACEs. ACEs are traumatic childhood events, and their consequences reach far into adulthood. The trauma need not be physical. The following events or feelings are some of the most common ACEs: •​being sworn at, insulted, or humiliated by parents •​being pushed, grabbed, or having something thrown at you •​feeling that your family didn’t support each other •​having parents who were separated or divorced •​living with an alcoholic or a drug user •​living with someone who was depressed or attempted suicide •​watching a loved one be physically abused. ACEs happen everywhere, in every community. But studies have shown that ACEs are far more common in my corner of the demographic world. A report by the Wisconsin Children’s Trust Fund showed that among those with a college degree or more (the non–working class), fewer than half had experienced an ACE. Among the working class, well over half had at least one ACE, while about 40 percent had multiple ACEs. This is really striking—four in every ten working-class people had faced multiple instances of childhood trauma. For the non–working class, that number was 29 percent. I gave a quiz to Aunt Wee, Uncle Dan, Lindsay, and Usha that psychologists use to measure the number of ACEs a person has faced. Aunt Wee scored a seven—higher even than Lindsay and me, who each scored a six. Dan and Usha—the two people whose families seemed nice to the point of oddity—each scored a zero. The weird people were the ones who hadn’t faced any childhood trauma. Children with multiple ACEs are more likely to struggle with anxiety and depression, to suffer from heart disease and obesity, and to contract certain types of cancers. They’re also more likely to underperform in school and suffer from relationship instability as adults. Even excessive shouting can damage a kid’s sense of security and contribute to mental health and behavioral issues down the road. Harvard pediatricians have studied the effect that childhood trauma has on the mind. In addition to later negative

I don't mean to smear our people, but honestly, sometimes I thought the Jews were the worst. Not all, but you know the ones I'm talking about - they weren't like the kids in Oxford Circle, that’s for sure. You sent me off totally fucking unprepared, brother. Not a word of warning. Their doctor and dentist parents worked their way through school, but now they want their babies to go in style. They send them stereos and cars and blank checks. And those were the hippies! Running around in their flowing clothes, their noses surgically tilted in the air! Talking about oppression and the common man, and running off to volunteer at some job, calling it righteous because they don’t have to earn money. Or my favorite, going to summer camp until they’re like forty-five. You’re not a socialist because you sleep in a log cabin and dance in a circle! And who are they angry at, really angry at? Not the Man – they wouldn’t know the Man if he froze their Bloomingdale’s charge cards. No, they’re angry at their parents! The people who fund all this in the first place. If they don’t want their parents, send them my way. I’ve been looking all my life for someone to wipe my ass and pay my bills.

Do you ever feel that same need? Your life is so very different from my own. The grandness of the world, the real world, the whole world, is a known thing for you. And you have no need of dispatches because you have seen so much of the American galaxy and its inhabitants—their homes, their hobbies—up close. I don’t know what it means to grow up with a black president, social networks, omnipresent media, and black women everywhere in their natural hair. What I know is that when they loosed the killer of Michael Brown, you said, “I’ve got to go.” And that cut me because, for all our differing worlds, at your age my feeling was exactly the same. And I recall that even then I had not yet begun to imagine the perils that tangle us. You still believe the injustice was Michael Brown. You have not yet grappled with your own myths and narratives and discovered the plunder everywhere around us. Before I could discover, before I could escape, I had to survive, and this could only mean a clash with the streets, by which I mean not just physical blocks, nor simply the people packed into them, but the array of lethal puzzles and strange perils that seem to rise up from the asphalt itself. The streets transform every ordinary day into a series of trick questions, and every incorrect answer risks a beat-down, a shooting, or a pregnancy. No one survives unscathed. And yet the heat that springs from the constant danger, from a lifestyle of near-death experience, is thrilling. This is what the rappers mean when they pronounce themselves addicted to “the streets” or in love with “the game.” I imagine they feel something akin to parachutists, rock climbers, BASE jumpers, and others who choose to live on the edge. Of course we chose nothing. And I have never believed the brothers who claim to “run,” much less “own,” the city. We did not design the streets. We do not fund them. We do not preserve them. But I was there, nevertheless, charged like all the others with the protection of my body. The crews, the young men who’d transmuted their fear into rage, were the greatest danger. The crews walked the blocks of their neighborhood, loud and rude, because it was only through their loud rudeness that they might feel any sense of security and power. They would break your jaw, stomp your face, and shoot you down to feel that power, to revel in the might of their own bodies.

Chang came in five minutes later, in the same jeans but a fresh T-shirt, her hair still inky with water from the shower. Her own jacket was pulled down on one side, by her own Smith. Like any ex-cop she looked around, the full 360, seven or eight separate snapshots, and then she moved through the room with plenty of energy, powered by what looked like enthusiasm, or maybe some kind of shared euphoria at their mutual survival through the night. She slid in alongside him. He said, “Did you sleep?” She said, “I must have. I didn’t think I was going to.” “You didn’t go meet the train.” “He’s a prisoner, according to you. And that’s the best-case scenario.” “I’m only guessing.” “It’s a reasonable assumption.” “Did you see the woman in 203?” “I thought she was hard to explain. Dressed in black, she could have been an investor or a fund manager or something else deserving of the junior executive routine. Her face and hair were right. And she has a key to the company gym. That’s for sure. But dressed in white? She looked like she was going to a garden party in Monte Carlo. At seven o’clock in the morning. Who does that?” “Is it a fashion thing? Someone’s idea of summer clothes?” “I sincerely hope not.

We’ve already seen how creating a ground of sociability among strangers can often require an elaborate process of testing the others’ limits by helping oneself to their possessions. The same sort of thing can happen in peacemaking, or even in the creation of business partnerships.50 In Madagascar, people told me that two men who are thinking of going into business together will often become blood brothers. Blood brotherhood, fatidra, consists of an unlimited promise of mutual aid. Both parties solemnly swear that they will never refuse any request from the other. In reality, partners to such an agreement are usually fairly circumspect in what they actually request. But, my friends insisted, when people first make such an agreement, they sometimes like to test it out. One may demand their new partner’s pet dog, the shirt off their back, or (everyone’s favorite example) the right to spend the night with their wife or husband. The only limit is the knowledge that anything one can demand, the other one can too.51 Here, again, we are talking about an initial establishment of trust. Once the genuineness of the mutual commitment has been confirmed, the ground is prepared, as it were, and the two men can begin to buy and sell on consignment, advance funds, share profits,

Everything in Nature ran according to its own nature; the running of grass was in its growing, the running of rivers their flowing, granite bubbled up, cooled, compressed and crumbled, birds lived, flew, sang and died, everything did what it needed to do, each simultaneously running its own race, each by living according to its own nature together, never leaving any other part of the universe behind. The world’s Holy things raced constantly together, not to win anything over the next, but to keep the entire surging diverse motion of the living world from grinding to a halt, which is why there is no end to that race; no finish line. That would be oblivion to all. For the Indigenous Souls of all people who can still remember how to be real cultures, life is a race to be elegantly run, not a race to be competitively won. It cannot be won; it is the gift of the world’s diverse beautiful motion that must be maintained. Because human life has been give the gift of our elegant motion, whether we limp, roll, crawl, stroll, or fly, it is an obligation to engender that elegance of motion in our daily lives in service of maintaining life by moving and living as beautifully as we can. All else has, to me, the familiar taste of that domineering warlike harshness that daily tries to cover its tracks in order to camouflage the deep ruts of some old, sick, grinding, ungainly need to flee away from the elegance of our original Indigenous human souls. Our attempt to avariciously conquer or win a place where there are no problems, whether it be Heaven or a “New Democracy,” never mind if it is spiritually ugly and immorally “won” and taken from someone who is already there, has made a citifying world of people who, unconscious of it, have become our own ogreish problem to ourselves, our future, and the world. This is a problem that we cannot continue to attempt to competitively outrun by more and more effectively designed technological approaches to speed away from the past, for the specter of our own earth-wasting reality runs grinning competitively right alongside us. By developing even more effective and entertaining methods of escape that only burn up the earth, the air, animals, plants, and the deeper substance of what it should mean to be human, by competing to get ahead, we have created a brakeless competition that has outrun our innate beauty and marked out a very definite and imminent “finish” line. Living in and on a sphere, we cannot really outrun ourselves anyway. Therefore, I say, the entire devastating and hideous state of the world and its constant wounding and wrecking of the wild, beautiful, natural, viable and small, only to keep alive an untenable cultural proceedance is truly a spiritual sickness, one that will not be cured by the efficient use of the same thinking that maintains the sickness. Nor can this overly expensive, highly funded illness be symptomatically kept at bay any longer by yet more political, environmental, or social programs. We must as individuals and communities take the time necessary to learn how to indigenously remember what a sane, original existence for a viable people might look like. Though there are marvellous things and amazing people doing them, both seen and unseen, these do not resemble in any way the general trend of what is going on now. To begin remembering our Indigenous belonging on the Earth back to life we must metabolize as individuals the grief of recognition of our lost directions, digest it into a valuable spiritual compost that allows us to learn to stay put without outrunning our strange past, and get small, unarmed, brave, and beautiful. By trying to feed the Holy in Nature the fruit of beauty from the tree of memory of our Indigenous Souls, grown in the composted failures of our past need to conquer, watered by the tears of cultural grief, we might become ancestors worth descending from and possibly grow a place of hope for a time beyond our own.

So I got lucky. But then again, it took me many hundreds of rejections to manage to find that luck. I am sure there is a lesson n that somewhere. Someone had taken a punt and had faith in me. I wouldn’t let them down, and I would be eternally grateful to them for giving me that chance to shine. Once DLE were on board, a few other companies joined them. It’s funny how, once one person backs you, somehow other people feel more comfortable doing the same. I guess most people don’t like to trailblaze. So before I knew it, suddenly, from nothing, I had the required funds for a place on the team. (In fact I was about £600 short, but Dad helped me out on that one, and refused to hear anything about ever being paid back. Great man.) The dream of an attempt on Everest was now about to become a reality. So many people over the years have asked me how to get sponsorship, but there is only one magic ingredient. Action. You just have to keep going. Then keep going some more. Our dreams are just wishes, if we never follow them through with action. And in life, you have got to be able to light your own fire. The reality of planning big expeditions is often tedious and frustrating. There is no glamour in yet another potential sponsor’s rejection letter, and I have often felt my own internal fire flickering close to snuff point. Action is what keeps it alight.

Life as an Enron employee was good. Prestwood’s annual salary rose steadily to sixty-five thousand dollars, with additional retirement benefits paid in Enron stock. When Houston Natural and Internorth had merged, all of Prestwood’s investments were automatically converted to Enron stock. He continued to set aside money in the company’s retirement fund, buying even more stock. Internally, the company relentlessly promoted employee stock ownership. Newsletters touted Enron’s growth as “simply stunning,” and Lay, at company events, urged employees to buy more stock. To Prestwood, it didn’t seem like a problem that his future was tied directly to Enron’s. Enron had committed to him, and he was showing his gratitude. “To me, this is the American way, loyalty to your employer,” he says. Prestwood was loyal to the bitter end. When he retired in 2000, he had accumulated 13,500 shares of Enron stock, worth $1.3 million at their peak. Then, at age sixty-eight, Prestwood suddenly lost his entire Enron nest egg. He now survives on a previous employer’s pension of $521 a month and a Social Security check of $1,294. “There aint no such thing as a dream anymore,” he says. He lives on a three-acre farm north of Houston willed to him as a baby in 1938 after his mother died. “I hadn’t planned much for the retirement. Wanted to go fishing, hunting. I was gonna travel a little.

Shortly before our CFO’s pep talk, another high-level executive at the bank stopped me in the hall to give me what he considered some critical advice. “A lot of smart kids like you come through the bank, and they use it for a stepping stone,” he said. “They stay for a year or two and then they leave. I think that’s a huge mistake. Look at me: I’ve been here forever and I’m happier than anyone I know. This place rewards loyalty, and I’m good at my job because I’ve got my finger right on the pulse of the company. I know everything that’s going on.” A week later, I saw two workmen hauling boxes out of his office. He was a victim of the bank’s first-ever round of layoffs. I’m not trying to put this man down for his faith in the bank or make light of his unemployment. I want to use his story to make another point about failure in business. That chat reinforced something else I was beginning to learn: people in management positions, even very senior management positions, are often completely wrong about the fortunes of their own companies. More important, in making these misjudgments, they almost always err on the side of excessive optimism. They think their businesses are in much better shape than they actually are. Jerry’s rig utilization chart at Global Marine and our own CFO’s boasts about Joe DiMaggio only underscored this lesson for me at the time. And, three decades and over 1,400 meetings with other executives later, I can say this tendency is as pronounced as ever.

I met with a group of a hundred or so fifth graders from a poor neighborhood at a school in Houston, Texas. Most of them were on a track that would never get them to college. So I decided then and there to make a contract with them. I would pay for their four-year college education if they kept a B average and stayed out of trouble. I made it clear that with focus, anyone could be above average, and I would provide mentoring support to them. I had a couple of key criteria: They had to stay out of jail. They couldn't get pregnant before graduating high school. Most importantly, they needed to contribute 20 hours of service per year to some organization in their community. Why did I add this? College is wonderful, but what was even more important to me was to teach them they had something to give, not just something to get in life. I had no idea how I was going to pay for it in the long run, but I was completely committed, and I signed a legally binding contract requiring me to deliver the funds. It's funny how motivating it can be when you have no choice but to move forward. I always say, if you want to take the island, you have to burn your boats! So I signed those contracts. Twenty-three of those kids worked with me from the fifth grade all the way to college. Several went on to graduate school, including law school! I call them my champions. Today they are social workers, business owners, and parents. Just a few years ago, we had a reunion, and I got to hear the magnificent stories of how early-in-life giving to others had become a lifelong pattern. How it caused them to believe they had real worth in life. How it gave them such joy to give, and how many of them now are teaching this to their own children.

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a young Goldman Sachs banker named Joseph Park was sitting in his apartment, frustrated at the effort required to get access to entertainment. Why should he trek all the way to Blockbuster to rent a movie? He should just be able to open a website, pick out a movie, and have it delivered to his door. Despite raising around $250 million, Kozmo, the company Park founded, went bankrupt in 2001. His biggest mistake was making a brash promise for one-hour delivery of virtually anything, and investing in building national operations to support growth that never happened. One study of over three thousand startups indicates that roughly three out of every four fail because of premature scaling—making investments that the market isn’t yet ready to support. Had Park proceeded more slowly, he might have noticed that with the current technology available, one-hour delivery was an impractical and low-margin business. There was, however, a tremendous demand for online movie rentals. Netflix was just then getting off the ground, and Kozmo might have been able to compete in the area of mail-order rentals and then online movie streaming. Later, he might have been able to capitalize on technological changes that made it possible for Instacart to build a logistics operation that made one-hour grocery delivery scalable and profitable. Since the market is more defined when settlers enter, they can focus on providing superior quality instead of deliberating about what to offer in the first place. “Wouldn’t you rather be second or third and see how the guy in first did, and then . . . improve it?” Malcolm Gladwell asked in an interview. “When ideas get really complicated, and when the world gets complicated, it’s foolish to think the person who’s first can work it all out,” Gladwell remarked. “Most good things, it takes a long time to figure them out.”* Second, there’s reason to believe that the kinds of people who choose to be late movers may be better suited to succeed. Risk seekers are drawn to being first, and they’re prone to making impulsive decisions. Meanwhile, more risk-averse entrepreneurs watch from the sidelines, waiting for the right opportunity and balancing their risk portfolios before entering. In a study of software startups, strategy researchers Elizabeth Pontikes and William Barnett find that when entrepreneurs rush to follow the crowd into hyped markets, their startups are less likely to survive and grow. When entrepreneurs wait for the market to cool down, they have higher odds of success: “Nonconformists . . . that buck the trend are most likely to stay in the market, receive funding, and ultimately go public.” Third, along with being less recklessly ambitious, settlers can improve upon competitors’ technology to make products better. When you’re the first to market, you have to make all the mistakes yourself. Meanwhile, settlers can watch and learn from your errors. “Moving first is a tactic, not a goal,” Peter Thiel writes in Zero to One; “being the first mover doesn’t do you any good if someone else comes along and unseats you.” Fourth, whereas pioneers tend to get stuck in their early offerings, settlers can observe market changes and shifting consumer tastes and adjust accordingly. In a study of the U.S. automobile industry over nearly a century, pioneers had lower survival rates because they struggled to establish legitimacy, developed routines that didn’t fit the market, and became obsolete as consumer needs clarified. Settlers also have the luxury of waiting for the market to be ready. When Warby Parker launched, e-commerce companies had been thriving for more than a decade, though other companies had tried selling glasses online with little success. “There’s no way it would have worked before,” Neil Blumenthal tells me. “We had to wait for Amazon, Zappos, and Blue Nile to get people comfortable buying products they typically wouldn’t order online.

Still, when Harvard said I wasn’t eligible for financial aid, and another university offered me a full scholarship, I thought I should go there. My mother became furious and said I was always sabotaging myself. She was proud of being able to borrow money at a loss from her own retirement fund, and give it to Harvard. I felt proud of her, too. But I did not feel proud of myself. It made the college application process feel, in retrospect, somehow hurtful and insulting: all the essays and interviews and supplements and letters seemed to be about you, about your specialness—but actually it was all about shaking your parents down for money. — Harvard seemed really proud of its own attitude toward financial aid. You were always hearing about how “merit-based aid,” which was fine for other schools, didn’t work here, where everyone was so full of merit. When your parents paid full tuition, part of what they were paying for was the benefit you derived from being exposed to people who were more diverse than you. “My parents are paying for him to be here, so I can learn from him,” my friend Leora said once, about a homeschooled guy from Arkansas in her history section who started talking about how the Jews killed Jesus. Leora had been my best friend when we were little, and then we went to different middle schools and high schools, but now we were at college together. She already thought every single person on earth was anti-Semitic, so she definitely hadn’t learned anything from that guy. To me, the part of financial aid that made the least sense was that all the international students got full scholarships, regardless of how much money their parents had. The son of the prince of Nepal was in our class, and didn’t pay tuition. Ivan had once caused me pain by saying something deprecating about “people whose parents paid a hundred thousand dollars for them to be here.” Did he not know that my parents were paying a hundred thousand dollars for me to be there? The thought that really made me crazy was that my parents had paid for Ivan to be there. It was another experience they had paid for me to have.

Because I have already had a long leave I get none on Sundays. So the last Sunday before I go back to the front my father and eldest sister come over to see me. All day we sit in the Soldiers’ Home. Where else could we go? We don’t want to stay in the camp. About midday we go for a stroll on the moors. The hours are a torture; we do not know what to talk about, so we speak of my mother’s illness. It is now definitely cancer, she is already in the hospital and will be operated on shortly. The doctors hope she will recover, but we have never heard of cancer being cured. ”Where is she then?” I ask. ”In the Luisa Hospital,” says my father. ”In which class?” ”Third. We must wait till we know what the operation costs. She wanted to be in the third herself. She said that then she would have some company. And besides it is cheaper.” ”So she is lying there with all those people. If only she could sleep properly.” My father nods. His face is broken and full of furrows. My mother has always been sickly; and though she has only gone to the hospital when she has been compelled to, it has cost a great deal of money, and my father’s life has been practically given up to it. ”If only I knew how much the operation costs,” says he. ”Have you not asked?” ”Not directly, I cannot do that–the surgeon might take it amiss and that would not do; he must operate on mother.” Yes, I think bitterly, that’s how it is with us, and with all poor people. They don’t dare ask the price, but worry themselves dreadfully beforehand about it; but the others, for whom it is not important, they settle the price first as a matter of course. And the doctor does not take it amiss from them. ”The dressings afterwards are so expensive,” says my father. ”Doesn’t the Invalid’s Fund pay anything toward it, then?” I ask. ”Mother has been ill too long.” ”Have you any money at all?” He shakes his head: ”No, but I can do some overtime.” I know. He will stand at his desk folding and pasting and cutting until twelve o’clock at night. At eight o’clock in the evening he will eat some miserable rubbish they get in exchange for their food tickets, then he will take a powder for his headache and work on.

Every day, the markets were driven less directly by human beings and more directly by machines. The machines were overseen by people, of course, but few of them knew how the machines worked. He knew that RBC’s machines—not the computers themselves, but the instructions to run them—were third-rate, but he had assumed it was because the company’s new electronic trading unit was bumbling and inept. As he interviewed people from the major banks on Wall Street, he came to realize that they had more in common with RBC than he had supposed. “I’d always been a trader,” he said. “And as a trader you’re kind of inside a bubble. You’re just watching your screens all day. Now I stepped back and for the first time started to watch other traders.” He had a good friend who traded stocks at a big-time hedge fund in Stamford, Connecticut, called SAC Capital. SAC Capital was famous (and soon to be infamous) for being one step ahead of the U.S. stock market. If anyone was going to know something about the market that Brad didn’t know, he figured, it would be them. One spring morning he took the train up to Stamford and spent the day watching his friend trade. Right away he saw that, even though his friend was using technology given to him by Goldman Sachs and Morgan Stanley and the other big firms, he was experiencing exactly the same problem as RBC: The market on his screens was no longer the market. His friend would hit a button to buy or sell a stock and the market would move away from him. “When I see this guy trading and he was getting screwed—I now see that it isn’t just me. My frustration is the market’s frustration. And I was like, Whoa, this is serious.” Brad’s problem wasn’t just Brad’s problem. What people saw when they looked at the U.S. stock market—the numbers on the screens of the professional traders, the ticker tape running across the bottom of the CNBC screen—was an illusion. “That’s when I realized the markets are rigged. And I knew it had to do with the technology. That the answer lay beneath the surface of the technology. I had absolutely no idea where. But that’s when the lightbulb went off that the only way I’m going to find out what’s going on is if I go beneath the surface.

Inflation is not caused by increasing the fiduciary circulation. It begins on the day when the purchaser is obliged to pay, for the same goods, a higher sum than that asked the day before. At that point, one must intervene. Even to Schacht, I had to begin by explaining this elementary truth: that the essential cause of the stability of our currency was to be sought for in our concentration camps. The currency remains stable when the speculators are put under lock and key. I also had to make Schacht understand that excess profits must be removed from economic circulation. I do not entertain the illusion that I can pay for everything out of my available funds. Simply, I've read a lot, and I've known how to profit by the experience of events in the past. Frederick the Great, already, had gradually withdrawn his devaluated thalers from circulation, and had thus re established the value of his currency. All these things are simple and natural. The only thing is, one mustn't let the Jew stick his nose in. The basis of Jewish commercial policy is to make matters incomprehensible for a normal brain. People go into ecstasies of confidence before the science of the great economists. Anyone who doesn't understand is taxed with ignorance! At bottom, the only object of all these notions is to throw everything into confusion. The very simple ideas that happen to be mine have nowadays penetrated into the flesh and blood of millions. Only the professors don't understand that the value of money depends on the goods behind that money. One day I received some workers in the great hall at Obersalzberg, to give them an informal lecture on money. The good chaps understood me very well, and rewarded me with a storm of applause. To give people money is solely a problem of making paper. The whole question is to know whether the workers are producing goods to match the paper that's made. If work does not increase, so that production remains at the same level, the extra money they get won't enable them to buy more things than they bought before with less money. Obviously, that theory couldn't have provided the material for a learned dissertation. For a distinguished economist, the thing is, no matter what you're talking about, to pour out ideas in complicated meanderings and to use terms of Sibylline incomprehensibility.

BUYING OFF THE ENVIRONMENTALISTS Where are the environmentalists? For fifty years, they’ve been carrying on about overpopulation; promoting family planning, birth control, abortion; and saying old people have a “duty to die and get out of the way”—in Colorado’s Democratic Governor Richard Lamm’s words. In 1971, Oregon governor and environmentalist Tom McCall told a CBS interviewer, “Come visit us again. . . . But for heaven’s sake, don’t come here to live.” How about another 30 million people coming here to live? The Sierra Club began sounding the alarm over the country’s expanding population in 1965—the very year Teddy Kennedy’s immigration act passed65—and in 1978, adopted a resolution expressly asking Congress to “conduct a thorough examination of U.S. immigration laws.” For a while, the Club talked about almost nothing else. “It is obvious,” the Club said two years later, “that the numbers of immigrants the United States accepts affects our population size and growth rate,” even more than “the number of children per family.”66 Over the next three decades, America took in tens of millions of legal immigrants and illegal aliens alike. But, suddenly, about ten years ago, the Sierra Club realized to its embarrassment that importing multiple millions of polluting, fire-setting, littering immigrants is actually fantastic for the environment! The advantages of overpopulation dawned on the Sierra Club right after it received a $100 million donation from hedge fund billionaire David Gelbaum with the express stipulation that—as he told the Los Angeles Times—“if they ever came out anti-immigration, they would never get a dollar from me.”67 It would be as if someone offered the Catholic Church $100 million to be pro-abortion. But the Sierra Club said: Sure! Did you bring the check? Obviously, there’s no longer any reason to listen to them on anything. They want us to get all excited about some widening of a road that’s going to disturb a sandfly, but the Sierra Club is totally copasetic with our national parks being turned into garbage dumps. Not only did the Sierra Club never again say another word against immigration, but, in 2004, it went the extra mile, denouncing three actual environmentalists running for the Club’s board, by claiming they were racists who opposed mass immigration. The three “white supremacists” were Dick Lamm, the three-time Democratic governor of Colorado; Frank Morris, former head of the Black Congressional Caucus Foundation; and Cornell professor David Pimentel, who created the first ecology course at the university in 1957 and had no particular interest in immigration.68 But they couldn’t be bought off, so they were called racists.

I saw a pretty shop across the Sidra the other day. It sold what looked to be lots of lacy little things. Am I allowed to buy that on your credit, too, or does that come out of my personal funds?' Those violet eyes again drifted to me. 'I'm not in the mood.' There was no humour, no mischief. I could go warm myself by a fire inside, but... He had stayed. And fought for me. Week after week, he'd fought for me, even when I had no reaction, even when I had barely been able to speak or bring myself to care if I lived or died or ate or starved. I couldn't leave him to his own dark thoughts, his own guilt. He'd shouldered them alone long enough. So I held his gaze. 'I never knew Illyrians were such morose drunks.' 'I'm not drunk- I'm drinking,' he said, his teeth flashing a bit. 'Again semantics,' I leaned back in my seat, wishing I'd brought my coat. 'Maybe you should have slept with Cresseida after all- so you could both be sad and lonely together.' 'So you're entitled to have as many bad days as you want, but I can't get a few hours?' 'Oh, take however long you want to mope. I was going to invite you to come shopping with me for said lacy little unmentionables, but... sit up here forever, if you have to.' He didn't respond. I went on, 'Maybe I'll send a few to Tarquin- with an offer to wear them for him if he forgives us. Maybe he'll take those blood rubies right back.' His mouth barely, barely tugged up at the corners. 'He'd see that as a taunt.' 'I gave him a few smiles and he handed over a family heirloom. I bet he'd give me the keys to his territory if I showed up wearing those undergarments.' 'Someone thinks mighty highly of herself.' 'Why shouldn't I? You seem to have difficulty not staring at me day and night.' There it was - a kernel of truth and a question. 'Am I supposed to deny,' he drawled, but something sparked in those eyes, 'That I find you attractive?' 'You've never said it.' 'I've told you many times, and quite frequently, how attractive I find you.' I shrugged, even as I thought of all those times- when I'd dismissed them as teasing compliments, nothing more. 'Well, maybe you should do a better job of it.' The gleam in his eyes turned into something predatory. A thrill went through me as he braced his powerful arms on the table and purred, 'Is that a challenge, Feyre?' I held that predator's gaze- the gaze of the most powerful male in Prythian. 'Is it?' His pupils flared. Gone was the quiet sadness, the isolated guilt. Only that lethal force- on me. On my mouth. On the bob of my throat as I tried to keep my breathing even. He said, slow and soft, 'Why don't we go down to that store right now, Feyre, so you can try on those lacy little things- so I can help you pick which ones to send to Tarquin.' My toes curled inside my fleece-lined slippers. Such a dangerous line we walked together.

It felt like fate when I first encountered the automated trading system that promised to transform small investments into substantial wealth over time. The marketing was aggressive, bombarding my social media feeds with images of people lounging on exotic beaches, driving fancy cars, and celebrating their newfound financial freedom. WhatsApp info:+12723328343 As a recent college graduate struggling to make ends meet, I was desperate for a way out of my financial rut, and the allure of easy money was too tempting to ignore. On a whim, I decided to take the plunge. I borrowed from my meager savings and even took out a small loan to fund my excitement. The rush I felt when signing up was like nothing I had ever experienced—an intoxicating thrill, like hopping onto a rollercoaster at full speed. At first, everything seemed to be going exactly as promised. My investment seemed to grow almost overnight, doubling and tripling in value.  My skepticism began to fade, replaced by a sense of confidence and hope for the future. I even shared my success with friends and family, excitedly telling them about the platform that was going to change my life. I imagined a future free from financial worries, a life of luxury and freedom, all thanks to this “revolutionary” trading system. But soon, a familiar sense of unease began to settle in. What had been an impressive surge in profits suddenly plateaued, and I found myself facing unexpected hurdles when trying to withdraw my funds. Pop-up messages about my “account needing an upgrade” and “market tightening” explained away the issues, but the discomfort grew. Still, I convinced myself that success required patience and continued to hold out hope that the system would recover. As weeks turned into months, my investment continued to dwindle. The once-promising account balance plummeted, and each attempt to reach customer support went unanswered. The promises of easy wealth had turned into an unsettling nightmare. Email info: Adwarerecoveryspecialist@auctioneer. net Desperate for answers, I began scouring the internet for any information or advice. That’s when I stumbled across reviews of ADWARE RECOVERY SPECIALIST , a service that seemed to specialize in helping people like me recover lost funds from fraudulent platforms. I felt a glimmer of hope as I read about others who had managed to retrieve their investments with the help of ADWARE RECOVERY SPECIALIST. Perhaps, after all, there was still a way out of this mess. I reached out to their team, and to my relief, they were able to assist me in recovering a portion of the money I thought I had lost for good. ADWARE RECOVERY SPECIALIST gave me the guidance and support I needed to navigate this complicated process, helping me regain control of a situation that had seemed hopeless. Their professionalism and expertise allowed me to salvage what I could, and for that, I am incredibly grateful.

Oh, by the way, security told me earlier that some guy showed up, claiming to be your assistant.” “Already? What time is it?” “It’s almost one o’clock,” he says. “Are you telling me you actually hired someone?” My heart drops. I shove past Cliff, ignoring him as he calls for me, wanting his question answered. I head straight for security, spotting Jack standing along the side with a guard, looking somewhere between disturbed and amused. “Strangest shit I’ve ever witnessed in Jersey,” Jack says, looking me over. “And that’s saying something, because I once saw a chimpanzee roller skating, and that was weird as fuck.” “I’m going to take that as a compliment, even though I know it isn’t one,” I say, grabbing his arm and making him follow me. It’s about a two-and-a-half hour drive to Bennett Landing, but I barely have two hours. “Please tell me you drove.” Before he can respond, I hear Cliff shouting as he follows. “Johnny! Where are you going?” “Oh, buddy.” Jack glances behind us at Cliff. “Am I your getaway driver?” “Something like that,” I say. “You ever play Grand Theft Auto?” “Every fucking day, man.” “Good,” I say, continuing to walk, despite Cliff attempting to catch up. “If you can get me where I need to be, there will be one hell of a reward in it for you.” His eyes light up as he pulls out a set of car keys. “Mission accepted.” There’s a crowd gathered around set. They figured out we’re here. They know we’re wrapping today. I scan the area, looking for a way around them. “Where’d you park?” I ask, hoping it’s anywhere but right across the street. “Right across the street,” he says. Fuck. I’m going to have to go through the crowd. “You sure you, uh, don’t want to change?” Jack asks, his eyes flickering to me, conflicted. “No time for that.” The crowd spots me, and they start going crazy, making Cliff yell louder to get my attention, but I don’t stop. I slip off of set, past the metal barricades and right into the street, as security tries to keep the crowd back, but it’s a losing game. So we run, and I follow Jack to an old station wagon, the tan paint faded. “This is what you drive?” “Not all of us grew up with trust funds,” he says, slapping his hand against the rusted hood. “This was my inheritance.” “Not judging,” I say, pausing beside it. “It’s just all very ‘70s suburban housewife.” “That sounds like judgment, asshole.” I open the passenger door to get in the car when Cliff catches up, slightly out of breath from running. “What are you doing, Johnny? You’re leaving?” “I told you I had somewhere to be.” “This is ridiculous,” he says, anger edging his voice. “You need to sort out your priorities.” “That’s a damn good idea,” I say. “Consider this my notice.” “Your notice?” “I’m taking a break,” I say. “From you. From this. From all of it.” “You’re making a big mistake.” “You think so?” I ask, looking him right in the face. “Because I think the mistake I made was trusting you.” I get in the car, slamming the door, leaving Cliff standing on the sidewalk, fuming. Jack starts the engine, cutting his eyes at me. “So, where to? The unemployment office?” “Home,” I say, “and I need to get there as soon as possible, because somebody is waiting for me, and I can't disappoint her.

Another dangerous neoliberal word circulating everywhere that is worth zooming in on is the word ‘resilience’. On the surface, I think many people won’t object to the idea that it is good and beneficial for us to be resilient to withstand the difficulties and challenges of life. As a person who lived through the atrocities of wars and sanctions in Iraq, I’ve learnt that life is not about being happy or sad, not about laughing or crying, leaving or staying. Life is about endurance. Since most feelings, moods, and states of being are fleeting, endurance, for me, is the common denominator that helps me go through the darkest and most beautiful moments of life knowing that they are fleeing. In that sense, I believe it is good for us to master the art of resilience and endurance. Yet, how should we think about the meaning of ‘resilience’ when used by ruling classes that push for wars and occupations, and that contribute to producing millions of deaths and refugees to profit from plundering the planet? What does it mean when these same warmongers fund humanitarian organizations asking them to go to war-torn countries to teach people the value of ‘resilience’? What happens to the meaning of ‘resilience’ when they create frighteningly precarious economic structures, uncertain employment, and lay off people without accountability? All this while also asking us to be ‘resilient’… As such, we must not let the word ‘resilience’ circulate or get planted in the heads of our youth uncritically. Instead, we should raise questions about what it really means. Does it mean the same thing for a poor young man or woman from Ghana, Ecuador, Afghanistan vs a privileged member from the upper management of a U.S. corporation? Resilience towards what? What is the root of the challenges for which we are expected to be resilient? Does our resilience solve the cause or the root of the problem or does it maintain the status quo while we wait for the next disaster? Are individuals always to blame if their resilience doesn’t yield any results, or should we equally examine the social contract and the entire structure in which individuals live that might be designed in such a way that one’s resilience may not prevail no matter how much perseverance and sacrifice one demonstrates? There is no doubt that resilience, according to its neoliberal corporate meaning, is used in a way that places the sole responsibility of failure on the shoulders of individuals rather than equally holding accountable the structure in which these individuals exist, and the precarious circumstances that require work and commitment way beyond individual capabilities and resources. I find it more effective not to simply aspire to be resilient, but to distinguish between situations in which individual resilience can do, and those for which the depth, awareness, and work of an entire community or society is needed for any real and sustainable change to occur. But none of this can happen if we don’t first agree upon what each of us mean when we say ‘resilience,’ and if we have different definitions of what it means, then we should ask: how shall we merge and reconcile our definitions of the word so that we complement not undermine what we do individually and collectively as people. Resilience should not become a synonym for surrender. It is great to be resilient when facing a flood or an earthquake, but that is not the same when having to endure wars and economic crises caused by the ruling class and warmongers. [From “On the Great Resignation” published on CounterPunch on February 24, 2023]

Everybody’s Free (To Wear Sunscreen)” Ladies and Gentlemen of the class of '99: Wear sunscreen. If I could offer you only one tip for the future, sunscreen would be it. The long term benefits of sunscreen have been proved by scientists, whereas the rest of my advice has no basis more reliable than my own meandering experience. I will dispense this advice now. Enjoy the power and beauty of your youth; oh never mind; you will not understand the power and beauty of your youth until they've faded. But trust me, in 20 years you’ll look back at photos of yourself and recall in a way you can’t grasp now how much possibility lay before you and how fabulous you really looked. You are not as fat as you imagine. Don’t worry about the future; or worry, but know that worrying is as effective as trying to solve an algebra equation by chewing bubblegum. The real troubles in your life are apt to be things that never crossed your worried mind; the kind that blindside you at 4:00 pm on some idle Tuesday. Do one thing everyday that scares you. Sing. Don’t be reckless with other people’s hearts; don’t put up with people who are reckless with yours. Floss. Don’t waste your time on jealousy; sometimes you’re ahead; sometimes you’re behind; the race is long, and in the end it’s only with yourself. Remember compliments you receive; forget the insults. If you succeed in doing this, tell me how. Keep your old love letters; throw away your old bank statements. Stretch. Don’t feel guilty if you don’t know what you wanna do with your life; the most interesting people I know didn’t know at 22 what they wanted to do with their lives; some of the most interesting 40 year olds I know still don’t. Get plenty of calcium. Be kind to your knees; you’ll miss them when they’re gone. Maybe you’ll marry -- maybe you won’t. Maybe you’ll have children -- maybe you won’t. Maybe you’ll divorce at 40 -- maybe you’ll dance the funky chicken on your 75th wedding anniversary. Whatever you do, don’t congratulate yourself too much or berate yourself either -- your choices are half chance; so are everybody else’s. Enjoy your body; use it every way you can. Don’t be afraid of it, or what other people think of it. It’s the greatest instrument you’ll ever own. Dance. even if you have nowhere to do it but in your own living room. Read the directions, even if you don’t follow them. Do not read beauty magazines; they will only make you feel ugly. Get to know your parents; you never know when they’ll be gone for good. Be nice to your siblings; they're your best link to your past and the people most likely to stick with you in the future. Understand that friends come and go, but for the precious few you should hold on. Work hard to bridge the gaps in geography, in lifestyle, because the older you get the more you need the people you knew when you were young. Live in New York City once, but leave before it makes you hard. Live in Northern California once, but leave before it makes you soft. Travel. Accept certain inalienable truths: prices will rise; politicians will philander; you too will get old, and when you do you’ll fantasize that when you were young prices were reasonable, politicians were noble, and children respected their elders. Respect your elders. Don’t expect anyone else to support you. Maybe you have a trust fund; maybe you'll have a wealthy spouse; but you never know when either one might run out. Don’t mess too much with your hair, or by the time you're 40, it will look 85. Be careful whose advice you buy, but be patient with those who supply it. Advice is a form of nostalgia: dispensing it is a way of fishing the past from the disposal, wiping it off, painting over the ugly parts, and recycling it for more than it’s worth. But trust me on the sunscreen. Baz Luhrmannk, William Shakespeare's Romeo & Juliet (1996)

I don’t have to worry about the money at all, really. My dad left me with this trust fund. I can sit home and watch the viewscreen and drink vodka martinis, or go out and play hovertennis. It’s terrific, what a life.

Some at SpaceX who have not been through a public company experience may think that being public is desirable. This is not so. Public company stocks, particularly if big step changes in technology are involved, go through extreme volatility, both for reasons of internal execution and for reasons that have nothing to do with anything except the economy. This causes people to be distracted by the manic-depressive nature of the stock instead of creating great products. For those who are under the impression that they are so clever that they can outsmart public market investors and would sell SpaceX stock at the “right time,” let me relieve you of any such notion. If you really are better than most hedge fund managers, then there is no need to worry about the value of your SpaceX stock, as you can just invest in other public company stocks and make billions of dollars in the market. Elon

Look, suppose you’re an official in the National Science Foundation, and a guy comes to you and says: Listen I have this interesting idea, give me $100,000 and I’ll work on it. And then 50 of the most respected people in the field come up to you and say: Look, the guy’s crazy, that can’t be true. Who are you going to believe? You’re going to end up supporting a very conservative, middle brow scientific institution. It’s hopeless.

So Medtronic adjusted not only its marketing efforts, but also the services it provided to directly target potential patients. For example, in conjunction with local cardiologists, Medtronic organized heart-health screening clinics across the country—providing prospective patients with free, direct access to specialists and high-tech equipment without having to go through an overwhelmed GP first. The question of paying for a pacemaker and the attendant medical services was no small concern. So Medtronic created a loan program to help patients pay for the pacemaker procedure. The company initially assumed that patients might be drawn to loans that actually expired upon the patient’s death, so that they were not saddling the family with the burden of debt—the emotional and social component of their Job to Be Done. And, as the Medtronic team learned from patients themselves, that was what they often wanted. But friends and family wanted something different: they tended to rally around a patient to find the money necessary. In those cases, the patient was more likely simply to need a bridge loan until those funds could be gathered. Medtronic made sure that the loan process was not daunting for the family: a loan is typically approved within two days, requiring minimum paperwork and entailing no asset mortgage. The experience of navigating the complex web of health care in India could be overwhelming for both patients and their families. So the company began to work with local hospitals to create a patient counselor role, initially calling them “Sherpas,” that helped patients navigate the often mind-boggling bureaucracy of a hospital, keeping their procedure and aftercare as top priorities. The patient counselor role became so popular that hospitals asked if the company would allow patients obtaining pacemakers through traditional routes to seek assistance from a counselor, too. Seeing an opportunity to further identify Jobs to Be Done from within the hospital system, Medtronic jumped at the chance. “At the end of the day, we realized the role was such an important position, we adjusted the role. And we were OK with it,” Monson recalls. “It ingrained the value of that person into the entire hospital system, and thus our business model. And it made us the partner of choice. To me that was a clear example of hitting a Job to Be Done.” The first Medtronic pacemaker distributed through the Healthy Heart for All (HHFA) program in India was implanted in late 2010. Medtronic currently has partnerships with more than one hundred hospitals in thirty cities. India is considered to be one of the most high-potential growth markets for the company.

Having “extra” capital gives you a cushion for when outcomes do not in fact follow your plan. Moreover, it increases your optionality—if you need to invest in growth, you can do much more without having to go through the time-consuming process of raising another round. As Mariam Naficy, CEO of Minted, told me, “Act like you’ve got half the amount you have in the bank because you’ve got to factor in all the failures and all the optimizations that kill great entrepreneurs and businesses all the time. Both of us know so many people who had good ideas and were on the right track, but just ran out of money.” At both PayPal and LinkedIn, we raised large financing rounds right before a market meltdown (2000, 2008), and we sure were glad we did. In the case of PayPal, that money allowed us to keep growing during the dot-com bust; without it, we wouldn’t have made it to our IPO. In the case of LinkedIn, the situation wasn’t as dire, but I realized that the value of the optionality from additional funding far outweighed the potential negatives of equity dilution.

It had been often commented upon that Vibe offspring tended to be crazy as bedbugs. ‘Fax’s brother Cragmont had run away with a trapeze girl, then brought her back to New York to get married, the wedding being actually performed on trapezes, groom and best man, dressed in tails and silk opera hats held on with elastic, swinging upside down by their knees in perfect synchrony across the perilous Æther to meet the bride and her father, a carnival “jointee” or concessionaire, in matched excursion from their own side of the ring, bridesmaids observed at every hand up twirling by their chins in billows of spangling, forty feet above the faces of the guests, feathers dyed a deep acid green sweeping and stirring the cigar smoke rising from the crowd. Cragmont Vibe was but thirteen that circus summer he became a husband and began what would become, even for the day, an enormous family. The third brother, Fleetwood, best man at this ceremony, had also got out of the house early, fast-talking his way onto an expedition heading for Africa. He kept as clear of political games as of any real scientific inquiry, preferring to take the title of “Explorer” literally, and do nothing but explore. It did not hurt Fleetwood’s chances that a hefty Vibe trust fund was there to pick up the bills for bespoke pith helmets and meat lozenges and so forth. Kit met him one spring weekend out at the Vibe manor on Long Island. “Say, but you’ve never seen our cottage,” ‘Fax said one day after classes. “What are you doing this weekend? Unless there’s another factory girl or pizza princess or something in the works.” “Do I use that tone of voice about the Seven Sisters material you specialize in?” “I’ve nothing against the newer races,” ‘Fax protested. “But you might like to meet Cousin Dittany anyway.” “The one at Smith.” “Mount Holyoke, actually.” “Can’t wait.” They arrived under a dourly overcast sky. Even in cheerier illumination, the Vibe mansion would have registered as a place best kept clear of—four stories tall, square, unadorned, dark stone facing looking much older than the known date of construction. Despite its aspect of abandonment, an uneasy tenancy was still pursued within, perhaps by some collateral branch of Vibes . . . it was unclear. There was the matter of the second floor. Only the servants were allowed there. It “belonged,” in some way nobody was eager to specify, to previous occupants. “Someone’s living there?” “Someone’s there.” . . . from time to time, a door swinging shut on a glimpse of back stairway, a muffled footfall . . . an ambiguous movement across a distant doorframe . . . a threat of somehow being obliged to perform a daily search through the forbidden level, just at dusk, so detailed that contact with the unseen occupants, in some form, at some unannounced moment, would be inevitable . . . all dustless and tidy, shadows in permanent possession, window-drapes and upholstery in deep hues of green, claret, and indigo, servants who did not speak, who would or could not meet one’s gaze . . . and in the next room, the next instant, waiting . . . “Real nice of you to have me here, folks,” chirped Kit at breakfast. “Fellow sleeps like a top. Well, except . . .” Pause in the orderly gobbling and scarfing. Interest from all around the table. “I mean, who came in the room in the middle of the night like that?” “You’re sure,” said Scarsdale, “it wasn’t just the wind, or the place settling.” “They were walking around, like they were looking for something.” Glances were exchanged, failed to be exchanged, were sent out but not returned. “Kit, you haven’t seen the stables yet,” Cousin Dittany offered at last. “Wouldn’t you like to go riding?

HDFC Bank was the first of the private lenders to go public— even before it completed a full year. 'It was a mistake,' Deepak told me. The RBI required the new banks to go public within a year but all other lenders went back to the regulator and got extensions. 'We didn't ask for it. We were too naive,' Deepak said. 'Everybody took time as they wanted to get a premium. We sold at par, ₹10. But I have no regrets.' Deepak pushed for a par issue as the bank had nothing to show. And the disaster of parent HDFC's listing was still haunting him, though that had happened a decade and a half ago. In 1978, India's capital market was in a different shape and mortgage was a new product, not understood by many. HDFC put the photograph of its first borrower on the cover of its balance sheet, a D. B. Remedios from Thane, who took a loan of ₹35,000 to build his house. The public issue of HDFC bombed. In an initial public offering (IPO) of ₹10 crore, the face value of one share was ₹100. ICICI, IFC (Washington) and the Aga Khan Fund took 5% stakes each in the mortgage lender and the balance 85% equity was offered to the public, but there were few takers. The stock quoted at a steep discount on listing. For the bank, Deepak did not want to take any chance. So portions of the issue were reserved for the shareholders and employees of HDFC as well as the bank's employees. HDFC decided to own close to a 26% stake in the bank and NatWest 20%. Satpal was offered about 5% and the public 25%. The size of the public issue was ₹50 crore. 'We didn't know whether it would succeed. Our experience with HDFC had been a disaster,' Deepak said. But Deepak had grossly underestimated investors' appetite for the new bank. The issue, which opened on 14 March 1995, was subscribed a record fifty-five times. The stock was listed on the Bombay Stock Exchange (now known as BSE Ltd) on 26 May that year at ₹39.95, almost at a 300% premium.

I am hard on those who come for my training,” he admitted to me. “That is my way; take it or leave it. I will never compromise. But you will be much kinder to your disciples; that is your way. I try to purify only in the fires of severity, searing beyond the average toleration. The gentle approach of love is also transfiguring. The inflexible and the yielding methods are equally effective if applied with wisdom. You will go to foreign lands, where blunt assaults on the ego are not appreciated. A teacher could not spread India’s message in the West without an ample fund of accommodative patience and forbearance.” I refuse to state the amount of truth I later came to find in Master’s words!

I don’t think Kashmiriyat is dead, nor is Sufism. If we don’t support the idea of Kashmiriyat or the Sufi tradition, it will fade out eventually, because radicalism is increasing. Sheikh Saheb was said to be a pure Musalman but he kept the Jamaat-e-Islami at bay, telling them they were not going to meddle in political life. After him, Farooq was the same way and in fact more aggressive about it, saying that they should close down all the Jamaat schools and that if Delhi funded the state, it would set up its own schools. But he did not get that much support. This is getting compromised. If you don’t do anything about Kashmir, then more and more Wahhabism will come in, as petro-dollars, etc., with their mosques growing and the lectures from their mosques increasing. A couple of years ago I was leaving Srinagar on a Friday and I was startled. Every road I passed had a loudspeaker blaring for the jumme ka namaaz. This never happened earlier. To my surprise, one of the breeding grounds of the fast-spreading radicalism is the Srinagar jail. A Kashmiri who was detained twice under the Public Security Act told me that the atmosphere of radicalism was so suffocating that you felt that you were in a jail inside a jail. So long as the likes of Masarat Alam and Qasim Fakhtoo are given free rein radicalism will grow. While Pakistan remains a factor in Kashmir, the real danger is that radicalism will end up as the lasting political legacy of Kashmir.

Steve could look at an open, weed-choked field and see gardens, walkways, new environments for animals. His mind buzzed with projects. It takes vision, and hard work. I would watch Steve planting trees, moving earth, and landscaping. He milled his own timber to build enclosures. He worked from dawn until well after dark, when he rigged spotlights to be able to keep working. I had never seen anything like it. He was a machine. He would go past human endurance. Often I’d catch him throwing up behind a tree out of sheer physical exhaustion. “Don’t worry about it. I just drank too much tea this morning,” he said after one such incident, when I expressed my concern. He continued with the job. Running a zoo meant being able to work with wildlife, yes. But I discovered there was so much more to it. Steve had an apprenticeship in diesel fitting, so he could operate and repair the backhoes, vehicles, and machines necessary to run the zoo. He laid brick and concrete, designed enclosures, and had an eye like an interior decorator for the end result of all his work. It didn’t just have to be sturdy and well-built. It had to look good, too. Over the course of several years in the early 1990s, I helped as Steve developed and expanded the zoo. Funds were limited. Steve did much of the work himself, making what little money we had stretch that much further. He wouldn’t even have one project finished and would already be dreaming up visions of another.

Steve loved showing off his new son. When we brought him home, all the zoo staff welcomed the new arrival. We have always had a good relationship with a group of Buddhist monks from Tibet. They had blessed Bindi when she was a newborn. As Robert celebrated his one-month birthday, we decided to hold a fund-raiser for a Buddhist nun’s convent where the well had dried up. A new well would cost forty thousand dollars. We felt that amount might be achievable in a series of fund-raising events. We invited the nuns to stay at Australia Zoo and planned to hold a fund-raiser at our brand-new Crocoseum, doing our part to help raise some money for the new well. The nuns wished to know if we wanted them to bless the animals while they were at the zoo. “Would you please bless Robert?” we asked. Bindi had been blessed along with the crocodiles when she was a month old. Now we would do the same for Robert. The nuns came into the Crocoseum for the ceremony. I brought a sleepy little Robert, adorned with his prayer flag and a scarf. We invited press to help publicize the plight of the nuns. Robert was very peaceful. The nuns sang, chanted, and gave him their special blessing. The ceremony was over, and the croc show was about to begin. Steve wanted to share Robert’s first crocodile show with everyone at the Crocoseum, as he was going to feed Murray the crocodile. Just as we had done with Bindi at this age, we brought Robert out for the show. Steve talked to the visitors about how proud he was of his son. He pointed out the crocodile to Baby Bob. Although Robert had been in with the crocodiles before, and would be again, this was an event where we could share the moment with everybody. When the croc show was over, Steve brought Robert back underneath the Crocoseum and I put him in his stroller. His eyes were big and he was waving his arms. This event would mark the beginning of a lifetime of working with his father as a wildlife warrior. Steve and Bindi were regulars during the croc shows, and now it looked as though Robert would be joining in as well.

Finally I slipped out of bed and checked my email. Nothing of importance, although it did appear that I had been hand-picked to help a wealthy and desperate gentleman from Nigeria transfer his funds to the United States. His plan was genius: He would send me a whopper of a check, and I would send him a much smaller check in return. And get this: I get to keep the difference. Boy, what could go wrong with that idea? I

After Steve’s death I received letters of condolence from people all over the world. I would like to thank everyone who sent such thoughtful sympathy. Your kind words and support gave me the strength to write this book and so much more. Carolyn Male is one of those dear people who expressed her thoughts and feelings after we lost Steve. It was incredibly touching and special, and I wanted to express my appreciation and gratitude. I’m happy to share it with you. It is with a still-heavy heart that I rise this evening to speak about the life and death of one of the greatest conservationists of our time: Steve Irwin. Many people describe Steve Irwin as a larrikin, inspirational, spontaneous. For me, the best way I can describe Steve Irwin is formidable. He would stand and fight, and was not to be defeated when it came to looking after our environment. When he wanted to get things done--whether that meant his expansion plans for the zoo, providing aid for animals affected by the tsunami and the cyclones, organizing scientific research, or buying land to conserve its environmental and habitat values--he just did it, and woe betide anyone who stood in his way. I am not sure I have ever met anyone else who was so determined to get the conservation message out across the globe, and I believe he achieved his aim. What I admired most about him was that he lived the conservation message every day of his life. Steve’s parents, Bob and Lyn, passed on their love of the Australian bush and their passion for rescuing and rehabilitating wildlife. Steve took their passion and turned it into a worldwide crusade. The founding of Wildlife Warriors Worldwide in 2002 provided Steve and Terri with another vehicle to raise awareness of conservation by allowing individuals to become personally involved in protecting injured, threatened, or endangered wildlife. It also has generated a working fund that helps with the wildlife hospital on the zoo premises and supports work with endangered species in Asia and Africa. Research was always high on Steve’s agenda, and his work has enabled a far greater understanding of crocodile behavior, population, and movement patterns. Working with the Queensland Parks and Wildlife Service and the University of Queensland, Steve was an integral part of the world’s first Crocs in Space research program. His work will live on and inform us for many, many years to come. Our hearts go out to his family and the Australia Zoo family. It must be difficult to work at the zoo every day with his larger-than-life persona still very much evident. Everyone must still be waiting for him to walk through the gate. His presence is everywhere, and I hope it lives on in the hearts and minds of generations of wildlife warriors to come. We have lost a great man in Steve Irwin. It is a great loss to the conservation movement. My heart and the hearts of everyone here goes out to his family. Carolyn Male, Member for Glass House, Queensland, Australia October 11, 2006

Tencent, and Alibaba, the flow of crowdfunding through Kickstarter, Indiegogo, and GoFundMe,

Mary slips her handbag onto her shoulder and she straightens her suit jacket as I digest this, and then she adds very quietly, “If you ask me, if the state really wanted to help women like your sister, wouldn’t they put the thousands of dollars they’ll spend on her trial and incarcerating her into early intervention programs, or research into addiction? Or Lord, if it’s really all about the baby— wouldn’t you funnel the funds into setting up a better foster care system or maybe some parenting classes that actually help?” “So why don’t they?” I ask, and Mary sighs and shakes her head. “Well, it’s a little bit like this. Half the town is on fire, and the townspeople are all so busy hollering for the fire brigade that no one thinks to find out why people are still playing with matches.

Ocean, the future center of global trade. Why should it not prosper? Nobody can predict the future with 100 percent certainty. I’m not convinced it will happen. But I am a possibilist and these facts convince me: it is possible. The destiny instinct makes it difficult for us to accept that Africa can catch up with the West. Africa’s progress, if it is noticed at all, is seen as an improbable stroke of good fortune, a temporary break from its impoverished and war-torn destiny. The same destiny instinct also seems to make us take continuing Western progress for granted, with the West’s current economic stagnation portrayed as a temporary accident from which it will soon recover. For years after the global crash of 2008, the International Monetary Fund continued to forecast 3 percent annual economic growth for countries on Level 4. Each year, for five years, countries on Level 4 failed to meet this forecast. Each year, for five years, the IMF said, “Next year it will get back on track.” Finally, the IMF realized that there was no “normal” to go back to, and it downgraded its future growth expectations to 2 percent. At the same time the IMF acknowledged that the fast growth (above 5 percent) during those years had instead happened in countries on Level 2, like Ghana, Nigeria, Ethiopia, and Kenya in Africa, and Bangladesh in Asia. Why does this matter? One reason is this: the IMF forecasters’ worldview had a strong influence on where your retirement funds were invested. Countries in Europe and North America were expected to experience fast and reliable growth, which made them attractive to investors. When these forecasts turned out to be wrong, and when these countries did not in fact grow fast, the retirement funds did not grow either. Supposedly low-risk/high-return countries turned out to be high-risk/low-return countries. And at the same time African countries with great growth potential were being starved of investment. Another reason it matters, if you work for a company based in the old “West,” is that you are probably missing opportunities in the largest expansion of the middle-income consumer market in history, which is taking place right now in Africa and Asia. Other, local brands are already establishing a foothold, gaining brand recognition, and spreading throughout these continents, while you are still waking up to what is going on. The Western consumer market was just a teaser for what is coming next.

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I met Mr. Persimmons in the village to-day," Mr. Batesby said to the Archdeacon. "He asked after you very pleasantly, although he's sent every day to inquire. It was he that saw you lying in the road, you know, and brought you here in his car. It must be a great thing for you to have a sympathetic neighbour at the big house; there's so often friction in these small parishes." "Yes," the Archdeacon said. "We had quite a long chat," the other went on. "He isn't exactly a Christian, unfortunately, but he has a great admiration for the Church. He thinks it's doing a wonderful work—especially in education. He takes a great interest in education; he calls it the star of the future. He thinks morals are more important than dogma, and of course I agree with him." "Did you say 'of course I agree' or 'of course I agreed'?" the Archdeacon asked. "Or both?" "I mean I thought the same thing," Mr. Batesby explained. He had noticed a certain denseness in the Archdeacon on other occasions. "Conduct is much the biggest thing in life, I feel. 'He can't be wrong whose life is for the best; we needs must love the higher when we see Him.' And he gave me five pounds towards the Sunday School Fund." "There isn't," the Archdeacon said, slightly roused, "a Sunday School Fund at Fardles." "Oh, well!" Mr. Batesby considered. "I daresay he'd be willing for it to go to almost anything active. He was very keen, and I agree—thought just the same, on getting things done. He thinks that the Church ought to be a means of progress. He quoted something about not going to sleep till we found a pleasant Jerusalem in the green land of England. I was greatly struck. An idealist, that's what I should call him. England needs idealists to-day." "I think we had better return the money," the Archdeacon said, "If he isn't a Christian—" "Oh, but he is," Mr. Batesby protested. "In effect, that is. He thinks Christ was the second greatest man the earth has produced." "Who was the first?" the Archdeacon asked. Mr. Batesby paused again for a moment. "Do you know, I forgot to ask?" he said. "But it shows a sympathetic spirit, doesn't it? After all, the second greatest! That goes a long way. Little children, love one another—if five pounds helps us to teach them that in the schools. I'm sure mine want a complete new set of Bible pictures." -Chap. VI The Sabbath

One of the most disappointing things about our schools and the way we raise our kids is that we don't spend more time teaching kids to take more risks. Instead, we teach them to play it safe. Be good, get good grades, get a good job, and eventually you can have a good retirement. That's the lesson society endorses. But what if that lesson is totally out of date? What if the idea that getting good grades and then going to a good college and then getting a good job represents an outmoded plan? In fact, most of our schools today are based on a model created over a hundred years ago for an industrial society in a world totally different from the one into which most of us were born. Back then, you went to work, punched a clock, did what you were told, and eventually were handed a gold watch (maybe). There was hierarchy and a well-defined system within which to work. Not anymore. Today, ideas created out of thin air can become billion-dollar enterprises. The people who get ahead are the ones who know how to communicate, how to think outside the box and persuade others. Unfortunately, many of our schools are still preparing our kids for the old system. Sit still. Be quiet. Do what you are told and we will give you good grades. Get good grades, get a good job and lifelong security. I'm not suggesting that kids shouldn't get good grades and go to college. Of course they should. But it seems to me that our schools are creating worker bees at a time when society is rewarding entrepreneurs. We need to raise our children to think bigger and more creatively than we did. So ask yourself right now, "What am I teaching my kids about life's challenges?" Are you raising your children to go for their dreams or simply to avoid failure?

I think about patients who present ideal scenarios and insist that they can only be happy with that exact situation. If he didn’t drop out of business school to become a writer, he’d be my dream guy (so I’ll break up with him and keep dating hedge-fund managers who bore me). If the job wasn’t across the bridge, it would be the perfect opportunity (so I’ll stay in my dead-end job and keep telling you how much I envy my friends’ careers). If she didn’t have a kid, I’d marry her. Certainly we all have our deal-breakers. But when patients repeatedly engage in this kind of analysis, sometimes I’ll say, “If the queen had balls, she’d be the king.” If you go through life picking and choosing, if you don’t recognize that “the perfect is the enemy of the good,” you may deprive yourself of joy.

The second crowdfunding campaign, the one we launched after the fire, ended up being even more moving and inspiring than the first. We had to rebuild half the bookshop, rewire the whole electric system, buy new books, lamps, mugs, teacups. A friend of mine named Luca wrote to me saying I should try GoFundMe, which I later realised was one of the most powerful fundraising platforms out there.

Obama’s only connection with phones was to label them Obamaphones and hand them out for free through his community organizer network. Now millions of Americans and illegal immigrants have cell phones paid for by the U.S. government and funded through one of those obscure charges that appear on your phone bill, the “lifeline” tax. Obama undoubtedly hopes you never notice the charge, or ask about it. It’s so much better to rip people off when they don’t even know they are being ripped off. Obama has no experience in starting a business or running a business; the only business he has ever run—the U.S. government—is $18 trillion in debt, a full one-half of that accumulated during Obama’s two terms. Any CEO with that record would certainly be fired; any private enterprise losing money at that pace would long have gone out of business. Obama didn’t discover his lack of entrepreneurial talent at the White House; he’s known it for most of his life. That’s why he decided, at a young age, to go a completely different route. Envious of the entrepreneur, he would become the anti-entrepreneur. He would put his talents to use in taking from the entrepreneurs and getting away with it. So Obama’s lack of entrepreneurial talent doesn’t mean that he is untalented. He is talented, but his talent lies in other areas. Driven by envy and resentment toward entrepreneurs, Obama specializes in fostering and mobilizing the resentment of others. He’s not a community organizer; he’s a resentment organizer.

By our seventh anniversary, we had five kids and weren’t done yet. Raven was blessed with easy pregnancies and could run around until the moment of delivery. Oh, and did those deliveries become legend. When River was born, the whole crew was laughing their asses off in the waiting room because of Raven’s profanity-laced rants. Our twins came two years later. During their deliveries, a drinking game started with the crew and club guys. Every time Raven screamed a cuss word, Tucker told the guys at the bar and they’d take a shot of whiskey. Half of the guys were wasted by the time Savannah was born. As Avery joined her sister, the other half of the bar was just as drunk off their asses. The obstetrician nearly begged Raven to use pain meds. She refused of course. No one was telling her what to do. For Maverick’s birth, the hospital moved Raven to a room at the end of the hall and kept the other laboring mothers as far away as possible. Another change the third time around was how Raven refused to allow the club guys free fun based on her laboring pains. To play the drinking game, they had to donate a hundred dollars into the kids’ college fund. We figured at least one of our kids would want to do the education thing. The guys donated the money and got ready for Raven to let loose. In her laboring room, she even allowed a mic connected to overhead speakers at the bar. Despite knowing they were all listening, my woman didn’t disappoint. One particular favorite was motherfucking crustacean cunt. When Maverick’s head crowded, she also sounded a little bit like a graboid from Tremors. Hell, I think she did that on purpose because we’d watched the movie the night before. Raven was a born entertainer. That night, we added a few thousand dollars to the kids’ college fund, the guys had a blast getting wasted to Raven’s profanity, and I welcomed my second son. Unlike his angelic brother, Maverick peed on me an hour after birth. I knew that boy was going to be a handful.

He’s a criminal.” Arik shrugged. “Perhaps, but that’s in Russia. Here he’s a business man, one who got attacked by the omega of my pride.” “What do I need to do to fix things?” Apologize? He was a big enough man to do that. Pay him off? He had funds stashed for a rainy day. “We could give him Meena,” Arik mused aloud. Who growled? Surely not him. “Oh shit. The rumors are true. She’s his bloody mate.” Hayder no longer sounded so amused. “No. Say it isn’t so. If you claim her, then that means”— he swallowed hard— “she’ll stay here. Like forever. Noooooo!” Hayder wasn’t the only one having a melodramatic moment. Arik eyeballed him, a pained expression on his face. “Please, please, please tell me you’re not actually going to mate with her. I don’t know if we could survive having Meena here full time.” “Dude, she’s a walking disaster,” Hayder commented. “A magnet for trouble,” Arik added while Hayder nodded. “A hurricane on two legs.” “A destructive force greater than Mother Nature.” Leo held up a hand. “Um, guys, you might want to stop before I crack your skulls together. You aren’t telling me anything I don’t know, but…” He sighed. “I’m afraid, and I mean really afraid, she might be right. I think she’s my mate.

So since I tossed snow at you earlier, am I going to have to make a contribution to the Kate-have-a-good-time fund?” he asked. I angled my chin haughtily. “You might. It’ll cost you more, though, since you also tackled me to the ground.” “I’m strapped for cash. We might have to work it out in trade.” “What kind of trade?” He gave me a grin that made me think I was in deep trouble. “We’ll work something out. Maybe it’ll end up being a good time for us both.

I’ll tell you one story. I had an idea for a fund in 2008 when oil was crashing at the end of the year. Stocks / funds that invested in municipal bonds in Texas were getting destroyed. Somehow, because oil was going down, everyone naturally assumed that Texas was going to simply disappear. I researched every municipal bond out there and found a good set of Texan cities that were being sold off with everyone else even though they had nothing to do with oil. I pitched it to a huge investor who had told me he wanted to back me on any idea I could come up with. He loved the idea. He loved it so much he told me, “You’re too late. We already have about $500 million in this strategy and we bought the very stocks you are recommending.” They went up over 100% in the next six months while the world was still in financial collapse. So he made a lot of money. As for me, I didn’t put a dime into my own strategy and made nothing.

for several years starting in 2004, Bezos visited iRobot’s offices, participated in strategy sessions held at places like the Massachusetts Institute of Technology , and became a mentor to iRobot chief executive Colin Angle, who cofounded the company in 1990. “He recognized early on that robots were a very disruptive game-changer,’’ Angle says of Bezos. “His curiosity about our space led to a very cool period of time where I could count upon him for a unique perspective.’’ Bezos is no longer actively advising the company, but his impact on the local tech scene has only grown larger. In 2008, Bezos’ investment firm provided initial funding for Rethink Robotics, a Boston company that makes simple-to-program manufacturing robots. Four years later, Amazon paid $775 million for North Reading-based Kiva, which makes robots that transport merchandise in warehouses. Also in 2012, Amazon opened a research and software development outpost in Cambridge that has done work on consumer electronics products like the Echo, a Wi-Fi-connected speaker that responds to voice commands. Rodney Brooks, an iRobot cofounder who is now chief technology officer of Rethink, says he met Bezos at the annual TED Conference. Bezos was aware of work that Brooks, a professor emeritus at MIT, had done on robot navigation and control strategies. Helen Greiner, the third cofounder of iRobot, says she met Bezos at a different technology conference, in 2004. Shortly after that, she recruited him as an adviser to iRobot. Bezos also made an investment in the company, which was privately held at the time. “He gave me a number of memorable insights,’’ Angle says. “He said, ‘Just because you won a bet doesn’t mean it was a good bet.’ Roomba might have been lucky. He was challenging us to think hard about where we were going and how to leverage our success.’’ On visits to iRobot, Greiner recalls, “he’d shake everyone’s hand and learn their names. He got them engaged.’’ She says one of the key pieces of advice Bezos supplied was about the value of open APIs — the application programming interfaces that allow other software developers to write software that talks to a product like the Roomba, expanding its functionality. The advice was followed. (Amazon also offers a range of APIs that help developers build things for its products.) By spending time with iRobot, Bezos gave employees a sense they were on the right track. “We were all believers that robotics would be huge,’’ says former iRobot exec Tom Ryden. “But when someone like that comes along and pays attention, it’s a big deal.’’ Angle says that Bezos was an adviser “in a very formative, important moment in our history,’’ and while they discussed “ideas about what practical robots could do, and what they could be,’’ Angle doesn’t want to speculate about what, exactly, Bezos gleaned from the affiliation. But Greiner says she believes “there was learning on both sides. We already had a successful consumer product with Roomba, and he had not yet launched the Kindle. He was learning from us about successful consumer products and robotics.’’ (Unfortunately, Bezos and Amazon’s public relations department would not comment.) The relationship trailed off around 2007 as Bezos got busier — right around when Amazon launched the Kindle, Greiner says. Since then, Bezos and Amazon have stayed mum about most of their activity in the state. His Bezos Expeditions investment team is still an investor in Rethink, which earlier this month announced its second product, a $29,000, one-armed robot called Sawyer that can do precise tasks, such as testing circuit boards. The warehouse-focused Kiva Systems group has been on a hiring tear, and now employs more than 500 people, according to LinkedIn. In December, Amazon said that it had 15,000 of the squat orange Kiva robots moving around racks of merchandise in 10 of its 50 distribution centers. Greiner left iRo

Why are you crying?” She didn’t answer. He watched her swallow down something, eyes still closed and he waited. And still, she offered no enlightenment. “Gabrielle, why are you crying?” Women were so fickle. She had no issue expressing herself any other time. He watched her inhale a breath through her nose, watched her chest rise and fall and then she opened her eyes and looked up at him like an insubordinate student; but still her lips didn’t part. Power tried to maintain composure, but ‘why the fuck are you crying and fucking answer me now’ was on the tip of his tongue and ready to spill. “Gabrielle, why are you-” “Because I cry!” Power’s lids widened a bit as she leaped to her feet with that, then they returned to normal size. “I cry! It’s what I do. I cry, okay?” She flailed her arms and paced the tiny space with the words. “I go all day – waking up, making breakfast, smiling, and taking shit from my boss, serving customers and arguing with dead beat dads, and…and… and barely making PTA meetings, putting off church fund contribution begging-ass folk, and checking homework, and…and making dinner, and stomaching I found the love of my life stories from Glo, and fighting off a crack head mother…worrying about a stupid, reckless teenager who I want the best for, and loving a son, and scraping and…and scouring everything I have to pay stupid bills and I can never catch up! Something’s always due, something’s always…broke! Something is always needed.

I kiss Orion deeply, one last time. “Are you sure you don’t want to come in with me?” I ask.               “I don’t think it’s going to help your case,” the raptor replies. “I mean, some people just don’t understand that love is real. You’ve gotta put yourself in there position. They’re so used to everything working a certain way, women kissing men, men kissing men… not men kissing dinosaurs.”               I want to protest but I know that he’s right. Even the most liberal of juries is going to have a hard time with this muscular dinosaur sitting there in the courtroom while I argue my case. It’s better if we part ways here.               “I’ll see you soon.” I tell him, my voice quaking. We both know that’s not going to happen, but we’re trying our best to pretend.               “I love you,” Orion says to me one last time.               “I love you, too” I assure him.               We kiss again and then I finally muster up the discipline to pull away and push out through the car’s door. I stand up on the sidewalk before the courthouse as flash bulbs burst with blinding luminescence. I shield my eyes, stunned for a moment as I struggle to collect my bearings.               “Mr. Tanner!” someone interjects, shoving a microphone in my face. “Is it true you hate unicorns?”               “What?” I stammer.               “We understand that your mission was funded off the profits of illegally traded unicorn tears, do you have anything to say to that?”               “I mean…” I’m still trying to collect my bearings, struggling to sort through her words. “No, wait, yeah I do. That’s really bad, I didn’t know anything about it.”               The reporter nods and repeats my words back to me. “Really bad… so you’re saying it’s not awful? Is that what you’re saying?”               “No, I just…” I start.               “Because it sounds like you’re not really coming out against the illegal trade of unicorn tears,” the reporter continues.               “I literally heard about it five seconds ago,” I counter. “That sounds terrible, I don’t really know anything about it but it sounds really bad and I don’t support that.”               The reporter nods. “Okay it’s really hard to understand you when you speak in code like this. Can you just answer the question? Do you or don’t you support bad guys doing bad things? Because you haven’t really come out against them.”               “I don’t support bad guys,” I try to say as clearly as I possibly can.               The reporter just stares at me blankly. “So you’re not going to come out against them?”               Suddenly, someone from the mob pushes me from behind and I stumble forward. The entire gang of hungry journalists and newscasters has reached a tipping point and I realize now that if I don’t continue onward there is going to be a problem.               I

I’d go there again if I had the funding,” Roper told me wistfully. One of his big issues is the lack of funding for ocean research, something he feels is both unwise and unjust. “Why aren’t we spending billions studying our oceans?” he asked me. “We know more about the moon’s behind than we do about the ocean’s bottom.

In mid-January 1999, prior to my subpoena and unbeknownst to me while I was at JJRTC, Monica Lewinsky had signed an affidavit, a sworn statement, about her affair. In a Pentagon City, VA hotel, Monica also handed Linda Tripp, her Pentagon staffer pen pal, a document (“Points to Make in an Affidavit”) detailing what to say on an affidavit so as to protect Clinton from charges of sexual harassment made by White House volunteer aide Kathleen Willey. Where that document originated is a mystery. But it was amateur hour for Monica, as usual. Monica and President Clinton had been subpoenaed by the Paula Jones lawyers and both swore in a public civil case, under penalty of perjury—an impeachable offense for the president—that they did not have a sexual relationship. The Clintons and Monica didn’t know it, but Linda Tripp was no Clintonite. She was feeding information on them all to Newsweek and to Ken Starr. Tripp had the affidavit document proving conspiracy, and Starr had his carte blanche. Janet Reno signed off on the Justice Department and FBI expanding their investigations from the Whitewater scandal—in which their main witness, Jim McDougal, mysteriously died—into conspiracy and perjury in Paula Jones’s sexual harassment case regarding a government employee. Tripp had taped her phone conversations with Monica detailing her affair with the president, how in the Oval Office she gave him oral sex while he was on the phone with ambassadors and with Dick Morris. President Clinton paid for a White House mistress with taxpayer funds and jeopardized national security with her compromisable and corruptible presence in a secure area, all for little more than on-demand oral sex. We thought we knew what was going on. We didn’t know the half of it.

Nigel doesn’t speak of your father, dear. I learned about your father, as well as a good deal about your entire family, from a tracker I hired to look into your past. I thought he was well worth his exorbitant fee, what with the discovery of Nigel. But then . . . after I won you fair and square in that card game, you did the unthinkable and fled.” “You and I both know that you didn’t win anything fair and square.” When Silas sent her a wink, she almost choked on the small bite of bread she’d put in her mouth. “Come now, dear, surely you’ve figured out that all of this”—he gestured around the room, and at the meal—“as well as the money it took to track you down, was my way of proving to you once and for all that you and I are meant to be together.” Lucetta narrowed her eyes. “Rumor has it around town that you’ve been short of funds ever since you and Oliver Addleshaw parted ways.” Silas narrowed his eyes back at her until he, curiously enough, laughed. “Is that why you’ve given me such a difficult time, my girl? You think I’ll be unable to keep you in style?” Blinking, Lucetta found she had no response to that piece of ridiculousness, but she was spared the need to respond when Silas continued. “You’ll be relieved to learn that my wife, harridan that she is, has a great deal of money—although she can be tightfisted with it at times, which means I have to encourage her to send money my way when I’m short on funds.” His smile widened. “But she’s learned over the years it’s easier to simply hand me money rather than have me encourage her to hand it over. That means I’ll have no problem keeping you knee-deep in lovely gowns and whatever other frivolous items you may want.” His words had Lucetta setting down the rest of the bread, unable to eat another bite. For a man to speak so casually about encouraging his wife, which could only mean abusing her, made Lucetta physically ill. “And while I’m sure that you’ll miss the theater, dear, do know that after you’ve accustomed yourself to me and my . . . needs, I may return you to the theater—if only to allow all of those gentlemen who salivate over you, and have done so for years, to see you performing for me, and only for me as I sit in a private box and watch your every move, and . . .” Whatever else Silas intended to say was lost when there was another knock on the door. “Go

H. Srikrishnan, then head of transactional banking and operations, gave me an example, ‘We looked at funds transfer—which was manual—such as MTs (mail transfers) and TTs (telegraphic transfers). When we implemented a centralized banking solution, the key things we could do were to sweep across multiple locations and get the balances of customers or transfer funds from one location to another using core banking. Those were big problems we solved.’ HDFC Bank was thus the first among Indian banks to have a centralized system. Whilst foreign banks like Citibank had centralized systems, they lacked the branch strength to fully leverage them. It is worth remembering that in the mid-1990s, banking didn’t really exist in the form that we know of today. Customers could open bank accounts, but the whole gamut of products (home loan, car loan, etc.) and services (Internet banking) was just not available. Salaries would still be paid by cheque and employees would have to take time off from their jobs to go to the bank, write a deposit slip, hand it over to the teller and then wait for the cheque to get cleared. Also, the employer would have to take time off to sit and sign numerous salary cheques to be given to all the employees. Compare this to the instant, online credit of salary today and a notification by SMS and email at the end of every month! HDFC Bank’s centralized technology platform allowed it to kick-off a revolution in how employees were paid their salaries.

In 1995, when Steve Jobs was trying to convince us that we should go public, one of his key arguments was that we would eventually make a film that failed at the box office, and we needed to be prepared, financially, for that day. Going public would give us the capital to fund our own projects and, thus, to have more say about where we were headed, but it would also give us a buffer that could sustain us through failure. Steve’s feeling was that Pixar’s survival could not depend solely on the performance of each and every movie. The underlying logic of his reasoning shook me: We were going to screw up, it was inevitable. And we didn’t know when or how. We had to prepare, then, for an unknown problem—a hidden problem. From that day on, I resolved to bring as many hidden problems as possible to light, a process that would require what might seem like an uncommon commitment to self-assessment.

Going Public Per my recent comments, I am increasingly concerned about SpaceX going public before the Mars transport system is in place. Creating the technology needed to establish life on Mars is and always has been the fundamental goal of SpaceX. If being a public company diminishes that likelihood, then we should not do so until Mars is secure. This is something that I am open to reconsidering, but, given my experiences with Tesla and SolarCity, I am hesitant to foist being public on SpaceX, especially given the long term nature of our mission. Some at SpaceX who have not been through a public company experience may think that being public is desirable. This is not so. Public company stocks, particularly if big step changes in technology are involved, go through extreme volatility, both for reasons of internal execution and for reasons that have nothing to do with anything except the economy. This causes people to be distracted by the manic-depressive nature of the stock instead of creating great products. For those who are under the impression that they are so clever that they can outsmart public market investors and would sell SpaceX stock at the “right time,” let me relieve you of any such notion. If you really are better than most hedge fund managers, then there is no need to worry about the value of your SpaceX stock, as you can just invest in other public company stocks and make billions of dollars in the market.

In short, we need to learn how to participate from a platform of servanthood rather than power. Let me illustrate. In my fifteen years as a global outreach pastor, I observed two types of North American ministries doing global ministry. The first ministry came together, often in North America, and prayerfully asked God for vision for (as a random example) Argentina and how they should initiate their work in Argentina. After developing their vision, they would go to Argentina to recruit Argentine Christians to join their vision. The recruitment would go something like this: "Jorge, this is our vision for Argentina. Would you join us and help us fulfill our vision-what we believe to be God's vision-for Argentina?" Often Jorge would say yes, especially if the North American mission came fully funded and offered him a decent salary. The second ministry might also develop a burden for a specific country (let's stick with Argentina), but when they went and visited Jorge, their approach was different. They would say, "Jorge, we believe that God has given us a burden for Argentina, but we're here to serve. What is your vision for Argentina? And is there anything in our experiences or resources that you could use to fulfill your vision for your country?" Both ministry approaches could have some success, but the former kept the North Americans on the platform of leadership, often dictating the strategy and funding the vision to the point that local leaders became dependent and failed to look for local, indigenous sources of support. This approach could work, especially if it was well funded. But for leaders like Jorge, it was an outsider's plan imposed on his country. After the funding was gone, these ministries often faltered.

I discovered,” said Harry through gritted teeth, “that when it comes to doing truly basic research on a genuinely confusing problem where you have no clue what’s going on, my books on scientific methodology aren’t worth crap -” “Language, Mr. Potter! Some of us are innocent young girls!” “Fine. But if my books were worth a carp, that’s a kind of fish not anything bad, they would have given me the following important piece of advice: When there’s a confusing problem and you’re just starting out and you have a falsifiable hypothesis, go test it. Find some simple, easy way of doing a basic check and do it right away. Don’t worry about designing an elaborate course of experiments that would make a grant proposal look impressive to a funding agency. Just check as fast as possible whether your ideas are false before you start investing huge amounts of effort in them. How does that sound for a moral?