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I learned the bad guys are not always bad, the good guys are not always good, and to quote Captain Barbossa, the parameters are like rules, mostly guidelines. And that it takes a little bit of bad boy to fight the evil in the world.
--Terri Mitchell
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Sherrilyn Kenyon (Phantom in the Night (B.A.D. Agency, #2))
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The oppressed, having internalized the image of the oppressor and adopted his guidelines, are fearful of freedom.
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Paulo Freire (Pedagogy of the Oppressed)
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We must recall the most important of humanity guidelines: Be polite. Being polite is possibly the greatest daily contribution everyone can make to life on Earth.
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Caitlin Moran (How to Be a Woman)
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There are laws in place that stop us from doing things. This is what we tell ourselves. In truth we stop ourselves; the law is a guideline for how to punish someone who is caught.
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Mindy McGinnis (The Female of the Species)
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If our splintered attention has led us to oblivion and blindness; and the shell has replaced the substance, it may be enlightening to deep-dive into the roots of our negative qualities and find a surprising guideline for the creation of new horizons. ("Not without my shadow")
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Erik Pevernagie
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It is easier to tell a person what life is not, rather than to tell them what it is. A child understands weeds that grow from lack of attention, in a garden. However, it is hard to explain the wild flowers that one gardener calls weeds, and another considers beautiful ground cover.
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Shannon L. Alder
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What to wear? I could think of no guidelines on what we were wearing this season to a party forced on you to celebrate an unwanted engagement that might turn into a violent confrontation with a vengeful maniac. Clearly brown shoes were out, but beyond that nothing really seemed de rigueur.
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Jeff Lindsay (Dearly Devoted Dexter (Dexter, #2))
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For most of my life I have struggled to find God, to know God, to love God. I have tried hard to follow the guidelines of the spiritual life—pray always, work for others, read the Scriptures—and to avoid the many temptations to dissipate myself. I have failed many times but always tried again, even when I was close to despair.
Now I wonder whether I have sufficiently realized that during all this time God has been trying to find me, to know me, and to love me. The question is not “How am I to find God?” but “How am I to let myself be found by him?” The question is not “How am I to know God?” but “How am I to let myself be known by God?” And, finally, the question is not “How am I to love God?” but “How am I to let myself be loved by God?” God is looking into the distance for me, trying to find me, and longing to bring me home.
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Henri J.M. Nouwen (The Return of the Prodigal Son: A Story of Homecoming)
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Take risks! That is really what life is about. We must pursue our own happiness. Nobody has ever lived our lives; ther are no guidelines. Trust your instincts. Accept nothing but the best. But then also look for it carefully. Don't allow it to slip between your fingers. Sometimes, good things come to us in a such a quiet fashion. And nothing comes complete. It is what we make of whatever we encounter that determines the outcome. What we choose to see, what we choose to save. And what we choose to remember. Never forget that all the love in your life is there, inside you, always.
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Linda Olsson (Astrid and Veronika)
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you should not overlook the guidelines of your culture. Life is short, and you don’t have time to figure everything out on your own. The wisdom of the past was hard-earned, and your dead ancestors may have something useful to tell you).
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Jordan B. Peterson (12 Rules for Life: An Antidote to Chaos)
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Part of her revolted against the insanity of the rules. Part of her was grateful. In a world of chaos, any guidelines helped. And she knew that each day she remained alive, she remained alive. One plus one plus one. The Devil's arithmetic...
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Jane Yolen
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Many people have been protesting against what they describe as censorship on Goodreads. I disagree. In fact, I would like to say that I welcome the efforts that Goodreads management is making to improve the deplorably low quality of reviewing on this site.
Please, though, just give me clearer guidelines. I want to know how to use my writing to optimize Amazon sales, especially those of sensitive self-published authors. This is a matter of vital importance to me, and outweighs any possible considerations of making my reviews interesting, truthful, creative or entertaining.
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Manny Rayner
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The Eating Guidelines
1. Eat when you are hungry.
2. Eat sitting down in a calm environment. This does not include the car.
3. Eat without distractions. Distractions include radio, television, newspapers, books, intense or anxiety-producing conversations or music.
4. Eat what your body wants.
5. Eat until you are satisfied.
6. Eat (with the intention of being) in full view of others.
7. Eat with enjoyment, gusto, and pleasure.
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Geneen Roth (Women, Food and God: An Unexpected Path to Almost Everything)
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It's time that I stop referring to myself, thinking about myself, planning for myself, according to the gridlines and the timelines and the guidelines of people. I will expand in this universe, I will not stay on the lines nor within the lines written by this world.
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C. JoyBell C.
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There are really no guidelines whatsoever, because this is the kind of thing that only happens to ME.
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Jordan Sonnenblick (Notes from the Midnight Driver)
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The cure for Apple is not cost-cutting. The cure for Apple is to innovate its way out of its current predicament.
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Apple Inc. (Macintosh Human Interface Guidelines)
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There are no rules. There are no guidelines. You have few supplies, and there’s nothing to help you along the way. Go through the Flat Trans at the time indicated. Find open air. Go one hundred miles, directly north, to the safe haven. Make it or die.
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James Dashner (The Scorch Trials (Maze Runner, #2))
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In the pit of her stomach she realized that everything she raged against on Saturday night-- the restrictions, rules, and guidelines-- was born of an ancient fervor. Every rule ever established, from the beginning of time, invited mutiny.
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Robin Jones Gunn (Peculiar Treasures (Katie Weldon, #1))
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They were not asked to adhere to the same rules. If there were countless guidelines women had to follow; cover your drink, stick close to others, don't wear short skirts. Their behaviour was the constant, while we were the variable expected to change. When did it become our job to do all the preventing and managing? And if houses existed where many girls got hurt, shouldn't we hold guys to a higher standard instead of reprimanding the girl? Why was passing out considered more reprehensible than fingering the passed out person?
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Chanel Miller (Know My Name)
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Problems are not stop signs,they are guidelines.
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Robert A. Schuller
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Lead with context, not control,” and coaching your employees using such guidelines as, “Don’t seek to please your boss.
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Reed Hastings (No Rules Rules: Netflix and the Culture of Reinvention)
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in a democracy someone is setting the guidelines for everyone else. Elitist rule is inevitable.
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Michael Malice (The New Right: A Journey to the Fringe of American Politics)
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Rules are just helpful guidelines for stupid people who can’t make up their minds.
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House
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Racism is the norm rather than an aberration. Feedback is key to our ability to recognize and repair our inevitable and often unaware collusion. In recognition of this, I try to follow these guidelines: 1. How, where, and when you give me feedback is irrelevant—it is the feedback I want and need. Understanding that it is hard to give, I will take it any way I can get it. From my position of social, cultural, and institutional white power and privilege, I am perfectly safe and I can handle it. If I cannot handle it, it’s on me to build my racial stamina. 2. Thank you. The above guidelines rest on the understanding that there is no face to save and the game is up; I know that I have blind spots and unconscious investments in racism. My investments are reinforced every day in mainstream society. I did not set this system up, but it does unfairly benefit me, I do use it to my advantage, and I am responsible for interrupting it. I need to work hard to change my role in this system, but I can’t do it alone. This understanding leads me to gratitude when others help me.
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Robin DiAngelo (White Fragility: Why It's So Hard for White People to Talk About Racism)
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[...] God's message is that we are largely on our own. We are the ones who give moral guidelines body and life. You can take, if you will, your solace in heaven, but you must work out your ethics on earth.
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Susan Neiman (Moral Clarity: A Guide for Grown-up Idealists)
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As a very basic guideline, when someone else asks for your yes in a situation that is good for them, but not for you, your yes is not required and may be harmful to your ability to say any genuine yes to life.
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Jane Meredith (Journey to the Dark Goddess: How to Return to Your Soul)
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The Neo-Pagan Ten “Commandments”
1. Thou art God/dess.
2. As above, so below; as within so without.
3. Spirit abides in all things; words & names have power.
4. Maintain an attitude of gratitude (walk the talk).
5. Honor the ancestors, teachers, elders, and leaders.
6. All life is sacred.
7. All acts of love and pleasure are sacred.
8. Whatever you send out returns threefold.
9. Love is the law, love under will.
10. For the greatest good, an’ it harm none.
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Marian Singer (A Witch's 10 Commandments: Magickal Guidelines for Everyday Life)
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The oppressed, having internalised the image of the oppressor and adopted his guideline are fearful of freedom. Freedom would require them to eject this image and replace it with autonomy and responsibility.
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Paulo Freire (Pedagogy of the Oppressed)
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The facts of nature are what they are, but we can only view them through the spectacles of our mind. Our mind works largely by metaphor and comparison, not always (or often) by relentless logic. When we are caught in conceptual traps, the best exit is often a change in metaphor — not because the new guideline will be truer to nature (for neither the old nor the new metaphor lies “out there” in the woods), but because we need a shift to more fruitful perspectives, and metaphor is often the best agent of conceptual transition.
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Stephen Jay Gould (Bully for Brontosaurus: Reflections in Natural History)
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I once tried to give him a friendly little "drugs chat". He politely corrected me on every single fact, then said he'd noticed I drank above the recommended guidelines of Red Bull and did I think I might have an addiction? That was the last time I tried to act like the older sister.
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Sophie Kinsella
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A recipe is a guideline. Adding, subtracting, evolving it - that is part of the pleasure.
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Gordon Ramsay (Cooking for Friends)
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Madam President, I have a suggestion for two new guidelines all women can adopt in the workplace to make it better suited to our qualities. Let’s nod less and cry more.
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Jennifer Palmieri (Dear Madam President: An Open Letter to the Women Who Will Run the World)
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A writer who can't follow submission guidelines is like a pilot without a plane... ain't gonna get very far!
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Jo Linsdell
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Those who can adapt to the sudden paradigm shift and new environment do. Obey the rules. Search for the loopholes. Sneer at the guidelines despite being bound by them. In the end, everyone learns that rules are necessary to make the system run smoothly.
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Carlo Zen (幼女戦記 (1) Deus lo vult)
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He shows us that our lives are about love and not performance. He extends mercy rather than demands. So even when we fall short in the eyes of others, we can still be confident standing tall in his. And we can lift others up by offering them true grace rather than our personal guidelines.
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Holley Gerth (You're Loved No Matter What: Freeing Your Heart from the Need to Be Perfect)
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For each of you to receive revelation unique to your own needs and responsibilities, certain guidelines prevail. The Lord asks you to develop 'faith, hope, charity and love, with an eye single to the glory of God.' Then with your firm 'faith, virtue, knowledge, temperance, patience, brotherly kindness, godliness, charity, humility, [and] diligence,' you may ask, and you will receive; you may knock, and it will be opened unto you (D&C 4:5–6; emphasis added).
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Russell M. Nelson
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The basic guidelines of an ethical AI system refer to those values which can be implemented at the core of every AI algorithm to bring out the safety, security, and fundamental goodness of artificial intelligence for all beings and human society at large.
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Amit Ray (Ethical AI Systems: Frameworks, Principles, and Advanced Practices)
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Horror movies...odd how they became a guideline for survival.
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Riannon Frater
“
There are no rules. There are no guidelines.
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James Dashner (The Maze Runner Series Complete Collection (Maze Runner))
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If we listen to and follow the promptings of the Spirit, they will serve as a Liahona, guiding us through the unknown, challenging valleys and mountains that are ahead (see 1 Nephi 16).
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Dieter F. Uchtdorf
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We need discipline, guidelines, context, and responsibility early in any new endeavor. It’s the time to sacrifice. To learn, to observe, to take heed. If and when we get knowledge of the space, the craft, the people, and the plan, then we can let our freak flag fly, and create. Creativity needs borders.
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Matthew McConaughey (Greenlights)
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Down here in the street, there is a lot less of the law and a lot more personalities. Everyone has found their way around the particular law that influences their endeavors. No one absolutely adheres to the guidelines of the one true law. Everyone is just trying to get by; there’s no room or time for the law or the courts; everyone finds their own way. That’s how things get done, you get yours best you can and I get mine best I can, but sometimes we can get at crossed purposes with each other and then we sort it out ourselves. We don’t call the police, we don’t file a legal suit; we negotiate, we butt heads, but we resolve the issue. That’s what you are seeing Tom, how the real world goes around. Now have a drink, relax and see our other side of life.
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Michael Deeze (The Deathbed Confessions (Thomas Quinn Mysteries Book 1))
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It is simply no longer possible to believe much of the clinical research that is published, or to rely on the judgment of trusted physicians or authoritative medical guidelines. I take no pleasure in this conclusion, which I reached slowly and reluctantly over my two decades as an editor of the New England Journal of Medicine.
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Marcia Angell
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Sometimes we have to inspire and encourage ourselves, through our personal narrative. And we start with what we know.
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Deborah L. Parker (For People of Strength, Soul, and Spirit: Seven Guidelines for Life & Career Success)
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A clear, well-defined philosophy gives you the guidelines and boundaries that keep you on track,
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Angela Duckworth (Grit: The Power of Passion and Perseverance)
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Problems are not stop signs, they are guidelines.
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Robert H. Schuller
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God has written His divine guidelines for your life right in the Bible.
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Elizabeth George
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Because guidelines are made to broken. Like rules. Like people.
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Annika Martin (Prisoner (Criminals & Captives, #1))
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That woman’s got it in for the Ministry of Magic!” said Percy furiously. “Last week she was saying we’re wasting our time quibbling about cauldron thickness, when we should be stamping out vampires! As if it wasn’t specifically stated in paragraph twelve of the Guidelines for the Treatment of Non-Wizard Part-Humans —” “Do us a favor, Perce,” said Bill, yawning, “and shut up.
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J.K. Rowling (Harry Potter and the Goblet of Fire (Harry Potter, #4))
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I am making a correction to one of the quotes you guys have for Sly Stallone; It's not ethical to put " " around words saying a person said something and did not. Hence the meaning of quoting someone; means that person said exactly what you're putting quotes around-Verbatim. Here's the real quote by Sly Stallone in Rocky Balboa; "It ain't about how hard you can hit it's about how hard you can get hit and keep moving forward. How much you can take and keep moving forward. That's how winning is done." Under your quote guidelines should read only enter quotes if you without a doubt are in fact quoting something someone said verbatim.
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Sylvester Stallone
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I'm a firm believer in thinking inside the box. The first thing I do when approaching a new project is to give myself rigid guidelines and precise limits. That's how I begin to think. If I were told that I could create anything in any medium, using any amount of space and any amount of time, I'd stand in a field and scream.
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Ben Schott
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The oppressed, having internalized the image of the oppressor and adopted his guidelines, are fearful of freedom. Freedom would require them to eject this image and replace it with autonomy and responsibility. Freedom is acquired by conquest, not by gift. It must be pursued constantly and responsibly. Freedom is not an ideal located outside man; nor is it an idea which becomes myth. It is rather the indispensable condition for the quest for human completion.
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Paulo Freire
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her choice to be, not only a poet but a woman who explored her own mind, without any of the guidelines of orthodoxy. To say "yes" to her powers was not simply a major act of nonconformity in the nineteenth century; even in our own time it has been assumed that Emily Dickinson, not patriarchal society, was "the problem." The ore we come to recognise the unwritten and written laws and taboos underpining patriarchy, the less problematical, surely, will seem the methods she chose.
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Adrienne Rich (On Lies, Secrets, and Silence. Selected Prose 1966-1978)
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There are rules and laws to help ensure our physical safety. Likewise, the Lord has provided guidelines and commandments to help ensure our spiritual safety so that we might successfully navigate this often-treacherous mortal existence and return eventually to our Heavenly Father" ("Obedience Brings Blessings," April 2013 General Conference).
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Thomas S. Monson
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I must confess to generally hating sections entitled “how to read this book” and so
on. I feel that, if I bought it, I should be able to read it any way I damn well please!
Nevertheless, I feel some guidelines may be useful.
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Paul Taylor (Text-to-Speech Synthesis)
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We live in a complex world. There are many forces calling out, ‘Love me.’ A sure way to set our guidelines for that which we choose to serve and learn to love is to follow the admonition of Joshua: ‘As for me and my house, we will serve the Lord.
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Marvin J. Ashton
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Real life this fdar had taught me that in the adult world, fate was chaotic and uncertain. Guidelines for success were arbitrary. But in the world of D&D, at least there was a rule book... By role-playing, we were in control, and our characters... wandered through places of danger, their destinies, ostensibly, within our grasp.
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Ethan Gilsdorf
“
HUMAN BILL OF RIGHTS [GUIDELINES FOR FAIRNESS AND INTIMACY] I have the right to be treated with respect. I have the right to say no. I have the right to make mistakes. I have the right to reject unsolicited advice or feedback. I have the right to negotiate for change. I have the right to change my mind or my plans. I have a right to change my circumstances or course of action. I have the right to have my own feelings, beliefs, opinions, preferences, etc. I have the right to protest sarcasm, destructive criticism, or unfair treatment. I have a right to feel angry and to express it non-abusively. I have a right to refuse to take responsibility for anyone else’s problems. I have a right to refuse to take responsibility for anyone’s bad behavior. I have a right to feel ambivalent and to occasionally be inconsistent. I have a right to play, waste time and not always be productive. I have a right to occasionally be childlike and immature. I have a right to complain about life’s unfairness and injustices. I have a right to occasionally be irrational in safe ways. I have a right to seek healthy and mutually supportive relationships. I have a right to ask friends for a modicum of help and emotional support. I have a right to complain and verbally ventilate in moderation. I have a right to grow, evolve and prosper.
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Pete Walker (Complex PTSD: From Surviving to Thriving)
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History was meant to serve as a lesson, not a guideline. Errors were meant to be recorded and later avoided, not repeated. Elitism raised the masses once, to the point where the people got angry and toppled entire monarchies. Had we really learned nothing?
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Bella Forrest (Harley Merlin and the Secret Coven (Harley Merlin, #1))
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Appropriately, as an entity specifically designed to support audiences to chart paths out of confusion toward clarity, the Qur’an holds the keys to its own unlocking. It likens itself to a Hadi, a trailblazing guide helping travelers navigate out of seeming dead ends toward their desired destination.
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Mohamad Jebara (The Life of the Qur'an: From Eternal Roots to Enduring Legacy)
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Once a year Jobs took his most valuable employees on a retreat, which he called " The Top 100." They were picked based on a simple guideline: the people you would bring if you could take only a hundred people with you on a lifeboat to your next company. At the end of each retreat, Jobs would stand in front of the whiteboard( he loved whiteboards because they gave him complete control of a situation and they engendered focus) and ask, " What are ten things we should be doing next?" People would fight to their suggestions on the list. Jobs would write them down, and then cross off the ones he decreed dumb. After much jockeying, the group would come up with a list of ten.Then Jobs would slash the bottom seven and announce, " We can only do three.
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Walter Isaacson (Steve Jobs)
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The effective leader should keep the following guidelines in mind when it is necessary to change attitudes or behavior: 1 Be sincere. Do not promise anything that you cannot deliver. Forget about the benefits to yourself and concentrate on the benefits to the other person. 2 Know exactly what it is you want the other person to do. 3 Be empathetic. Ask yourself what is it the other person really wants. 4 Consider the benefits that person will receive from doing what you suggest. 5 Match those benefits to the other person’s wants. 6 When you make your request, put it in a form that will convey to the other person the idea that he personally will benefit.
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Dale Carnegie (How to Win Friends and Influence People)
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In the 60s, political correctness became not a guideline for living, but a new set of shackles. A small and vocal part of the Black community lost sight of the fact that unity does not mean unanimity—Black people are not some standardly digestible quantity. In order to work together we do not have to become a mix of indistinguishable particles resembling a vat of homogenized chocolate milk.
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Audre Lorde (Sister Outsider: Essays and Speeches)
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Earn your Saturdays. We need discipline, guidelines, context, and responsibility early in any new endeavor. It’s the time to sacrifice. To learn, to observe, to take heed. If and when we get knowledge of the space, the craft, the people, and the plan, then we can let our freak flag fly, and create.
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Matthew McConaughey (Greenlights)
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At our meeting, I suggested to Steven and Lynda two guidelines for the science of Interstellar: 1. Nothing in the film will violate firmly established laws of physics, or our firmly established knowledge of the universe. 2. Speculations (often wild) about ill-understood physical laws and the universe will spring from real science, from ideas that at least some “respectable” scientists regard as possible.
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Kip S. Thorne (The Science of Interstellar)
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Beyond principles and tactics is a broader ultralearning ethos. It’s one of taking responsibility for your own learning: deciding what you want to learn, how you want to learn it, and crafting your own plan to learn what you need to. You’re the one in charge, and you’re the one who’s ultimately responsible for the results you generate. If you approach ultralearning in that spirit, you should take these principles as flexible guidelines, not as rigid rules. Learning well isn’t just about following a set of prescriptions.
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Scott H. Young (Ultralearning: Master Hard Skills, Outsmart the Competition, and Accelerate Your Career)
“
My friendships have stopped being so exclusive and the guidelines have simplified.
Does knowing me help someone I know become a better person?
Am I becoming a better person knowing someone?
Here’s how I know a relationship is working. When I’m with that person, I am happy. I look forward to seeing that person. I’m not afraid that that person will hurt me intentionally. I’m not hesitant to speak up if I do feel hurt. Knowing that person, challenges me to grow. Being around that person gives me comfort when I feel sad. That person is someone I want to celebrate with when things are great.
I’ve let go of expecting people to behave a certain way or to treat me a certain way. However, I feel I’m more idealistic about my relationships than I’ve ever been. I want the most difficult thing you can ask a person and that is for them to be themselves, the good and the bad. I want authenticity where many find it hard to be authentic with themselves. It’s from our authentic selves where true connections are made.
It’s from those true connections where I finally feel understood.
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Corin
“
• एजुकेसन जरुरी हुन्छ मलाई थाहा छ । तर संस्कार बिनाको एजुकेसन र फूल बिनाको भास उस्तै हुन्छ । भास जति महङ्गो र सुन्दर भए पनि फूल बिना त्यसको महत्व हुँदैन, अर्थ हुँदैन । त्यस्तै, संस्कार बिनाको शिक्षाले मानिसलाई शिक्षित त बनाउला तर सबल र सम्पूर्ण बनाउन सक्दैन । संस्कार घरका बुज्रुग र ठूलाहरूले सिकाउॅछन्, डेलिगेट गर्छन् । तर आदरणीयहरूमै संस्कार छैन भने तिनले सानालाई के सिकाउॅछन्, के डेलिगेट गर्छन् ? आशा छ यो सत्य तिमीहरूले कहिल्यै बिर्सने छैनौ ।
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Sanu Sharma (ती सात दिन [Te Saat Din])
“
Here are a few key guidelines to consider: Spend less than you earn—invest the surplus—avoid debt. Do simply this and you’ll wind up rich. Not just in money. Carrying debt is as appealing as being covered with leeches and has much the same effect. Take out your sharpest knife and start scraping the little bloodsuckers off. If your lifestyle matches—or god forbid exceeds—your income, you are no more than a gilded slave. Avoid fiscally irresponsible people. Never marry one or otherwise give him or her access to your money. Avoid investment advisors. Too many have only their own interests at heart. By the time you know enough to pick a good one, you know enough to handle your finances yourself. It’s your money and no one will care for it better than you. You own the things you own and they in turn own you. Money can buy many things, but nothing more valuable than your freedom. Life choices are not always about the money, but you should always be clear about the financial impact of the choices you make.
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J.L. Collins (The Simple Path to Wealth: Your road map to financial independence and a rich, free life)
“
Timeless principles never age, and truth is as young as the day it was spoken into existence.
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Craig D. Lounsbrough
“
The most important question for every client is "W X ho are you?" I'm not as interested in an answer as I am in teaching a process that the girl can use for the rest of her life. The process involves looking within to find a true core of self, acknowledging unique gifts, accepting all feelings, not just the socially acceptable ones, and making deep and firm decisions about values and meaning. The process includes knowing the difference between thinking and feeling, between immediate gratification and long-term goals, and between her own voice and the voices of others. The process includes discovering the personal impact of our cultural rules for women. It includes discussion about breaking those rules and formulating new, healthy guidelines for the self. The process teaches girls to chart a course based on the dictates of their true selves. The process is nonlinear, arduous, and discouraging. It is also joyful, creative and full of surprises.
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Mary Pipher (Reviving Ophelia: Saving the Selves of Adolescent Girls (Ballantine Reader's Circle))
“
Living the basic good-mothering guidelines enables a mom to blend the responsibilities of parenthood with its joys; to know when to stand her grown and when to be flexible; and to absorb the lessons of the parenting gurus while also trusting her inner voice when it reasons that another cookie isn't worth fighting over, or that her child won't suffer irreparable trauma if, once in awhile, Mom puts her own needs first.
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Sue Woodman
“
A Medical Affair is more than compelling fiction. It also is a powerful narrative about how relationships between physicians and patients can evolve in unethical, even unlawful ways. And as a medical ethicist and educator, I was delighted to see Strauss deftly weave important information about sexual misconduct by physicians into her story line.”
David Orentlicher
Professor of law, medicine and ethics at Indiana University. Oversaw drafting of American Medical Association's ethical guidelines on intimate relationships between physicians and their patients
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Anne McCarthy Strauss (A Medical Affair)
“
students need only two well-taught courses—How to Value a Business, and How to Think About Market Prices. Your goal as an investor should simply be to purchase, at a rational price, a part interest in an easily-understandable business whose earnings are virtually certain to be materially higher five, ten and twenty years from now. Over time, you will find only a few companies that meet these standards—so when you see one that qualifies, you should buy a meaningful amount of stock. You must also resist the temptation to stray from your guidelines: If you aren’t willing to own a stock for ten years, don’t even think about owning it for ten minutes. Put together a portfolio of companies whose aggregate earnings march upward over the years, and so also will the portfolio’s market value. Though it’s seldom recognized, this is the exact approach
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Warren Buffett (Berkshire Hathaway Letters to Shareholders, 2023)
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The American Dietetic Association (ADA), which produces a series of nutrition fact sheets with guidelines on maintaining a healthy diet, also has its own corporate ties. Who writes these fact sheets? Food industry sources pay the ADA $20,000 per fact sheet to explicitly take part in the drafting process. So we can learn about eggs from the American Egg Board and about the benefits of chewing gum from the Wrigley Science Institute.63
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Michael Greger (How Not to Die: Discover the Foods Scientifically Proven to Prevent and Reverse Disease)
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Our uniform policy has different guidelines addressed to “young men” vs. “young women.” As Deuteronomy 22:5 says, “A woman shall not wear a man’s garment, nor shall a man put on a woman’s clothing; for anyone who does such things is an abomination to the LORD.” DID YOU KNOW? More things that are abominations, according to Deuteronomy: —Not abandoning your wife after she’s been raped —Sacrificing a defective sheep to the LORD —Rock badgers
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Katie Henry (Heretics Anonymous)
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Spiritual assistance isn't there to make things easy and have everything go your way, but to help you grow into the fuller version of who you are. Rather than revealing that you're on the wrong track, shake-up and breakup often indicate that you're really starting to get somewhere. Of course, it's hard to feel this way while getting battered around by the severe crosswinds of our time, but that's when you most need to know it.
In the Western world we lack a clear set of guidelines for times like these. We lack meaningful rites of passage. We fail to equip people for knowing what to expect at key crossroads of the soul. We lack substantial guides for teaching individuals how to stay with their deep inner truth when all hell breaks loose. We get thrown into extreme life-changing passages like birth, first blood, first sex, marriage, pregnancy, child-bearing, divorce and death with only superficial guidance, and no deep cultural support for grasping the full significance of what we're coming out of and going into. So disruptions along the way don't usually appear as well-designed hurdles of initiation in a spiritual journey. Usually they appear as impossible dilemmas that bust your ass and belie evidence of any greater design.
Major rites of passage in the Western world rarely come in the form of sacred rituals but are embedded within mundane circumstance. It takes special perception to recognize the initiatory path through the chaos. It takes a shamanic perspective to realize that, like a winepress of the gods, rigorous challenges are there to squeeze out your impurities and release your essence. ...
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Mark Borax
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1.There are no rules, because life is made up of too many rules as it is
2.But there are three "guidelines" (which sounds less rigid than "rules"):
a)No using our phones to get us there. We have to do this strictly old-school, which means learning to read actual maps
b)We alternate choosing places to go, but we also have to be willing to go where the road takes us. This means the grand, the small, the bizarre, the poetic, the beautiful, the ugly, the surprising. Just like life. But absolutely, unconditionally, resolutely nothing ordinary.
c)At each site, we leave something almost like an offering. It can be our own private game of geocaching( "the recreational activity of hunting for and finding a hidden object by means of GPS coordinates posted on a website"), only not a game, and just for us. The rules of geocaching say "takes something, leave something." The way I figure it, we stand to get something out of each place, so why not give something back? Also, it's a way to prove we've been there, and a way to leave a part of us behind.
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Jennifer Niven (All the Bright Places)
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I was going to suggest some hard-won guidelines for responsible reviewing. For instance: First, as in Hippocrates, do no harm. Second, never stoop to score a point or bite an ankle. Third, always understand that in this symbiosis, you are the parasite. Fourth, look with an open heart and mind at every different kind of book with every change of emotional weather because we are reading for our lives and that could be love gone out the window or a horseman on the roof. Fifth, use theory only as a periscope or a trampoline, never a panopticon, a crib sheet or a license to kill. Sixth, let a hundred Harolds Bloom.
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John Leonard
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I took my meticulously typed guidelines and encouragements, threw them in a drawer, gave myself a new mantra: fuck the fried rice. Fuck what you sipped, how you sipped, when you sipped with whom, fuck if I danced on the table, fuck if I danced on the chair. You want the truth, the whole truth, and nothing but the truth? Your whole answer was sitting with his shoulders low, head down, his neatly cut hair. You want to know why my whole goddamn family was hurting, why I lost my job, why I had four digits in my bank account, why my sister was missing school? It was because on a cool January evening, I went out, while that guy, that guy there, had decided that yes or no, moving or motionless, he wanted to fuck someone, intended to fuck someone, and it happened to be me.
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Chanel Miller (Know My Name)
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The pain of regret is far worse than the pain of discipline.
We will never have the anointing, the ministry or the revivals of our heroes if we don’t become as disciplined as they were. They went to bed early to get up early to pray, and they fasted for days on end.
We shouldn’t just pray to mark it off of our lists or read a few chapters of our Bible each day to keep up with the church Bible reading chart. We must have a deeper purpose for doing these tasks.
Discipline without direction is drudgery. In other words, discipline has to have a purpose to drive it each and every day.
The price for spiritual change is expensive, but the rewards are far greater.
The world’s ways, ideologies, and influence cannot be present in a life dedicated to Jesus because consecration’s purpose is for us to be different from the world. And, for that matter, if we are separate from the world, then sin must not be a part of our lives either. Sin ruins a life of consecration.
It would be a shame to believe that holiness is nothing more than rules or guidelines we are to live by. Holiness and consecration flow from a life given to the spiritual disciplines, a life we can only maintain by continuing to seek for Him daily.
Your pursuit will never be greater than your disciplines.
No man is greater than his prayer life.
Even though Jesus requires us to pray, praying is not to be done out of duty, but it is to be done out of delight.
A person’s appetite reveals much about their physical health. Our physical appetite can reveal just as much about our spiritual health.
Prayer is the dominant discipline in a godly life and it takes a backseat to no other task. Prayer is the guiding force to a life of consecration and spiritual discipline.
Self-denial is tough, but self-indulgence is dangerous.
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Nathan Whitley (The Lost Art Of Spiritual Disciplines)
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Even though a strict reading of a Paleolithic diet would include cannibalism, it is a practice that I have to discourage. Modern people have a much higher ratio of omega-6 to omega-3 fatty acids due to their grain-based diets; carry a wide variety of chronic infections; have destroyed their liver with excessive consumption of alcohol and fructose; and contain many environmental toxins. That said, if one were to incorporate cannibalism into ‘eating paleo,’ it would be healthiest to eat people who strictly adhered to the guidelines in this book.
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John Durant (The Paleo Manifesto: Ancient Wisdom for Lifelong Health)
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But what did it matter what momins of the community said when they picked apart the behavior of her son? What was a believer meant to be like when all their rituals and practices were stripped away? Amar was kind. If one of his sisters came home carrying heavy textbooks, he rose to help them before they even asked. He was generous. He had very little of his own money but still he would bring home the coffee drinks Huda or Hadia liked, or a bag of cherries for Layla come cherry season, or a candle with a floral scent. Layla gossiped sometimes, everyone did, but she had never heard her son speak ill of anyone. Once when she spoke of someone from their community, he said to her, “You don’t know that, Mumma, don’t say that if you don’t fully know it.” Her heart had swelled. How her son was good in a way that she wasn’t, in a way that could instruct her. Layla had begun to think lately that there was no real way to quantify the goodness of a person—that religion gave templates and guidelines but there were ways it missed the mark entirely. And everything a momin should be in his heart, Amar was.
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Fatima Farheen Mirza (A Place for Us)
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The plan (Dalet) included the following clear reference to the methods to be employed in the process of cleansing the (Palestinian) population:
'Destruction of villages (setting fire to, blowing up, and planting mines in the debris), especially those population centers which are difficult to control continuously... Mounting search and control operations according to the following guidelines: encirclement of the village and conducting a search inside it. In the event of resistance, the armed force must be destroyed and the population must be expelled outside the borders of the state.
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Ilan Pappé (Ten Myths About Israel)
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Humans are amazing ritual animals, and it must be understood that the Tzutujil, nor any other real intact people, do not 'practice' rituals. Just as a bear must turn over stumps searching for beetles, real humans can only live life spiritually. Birth itself was a ritual: there was not a ritual for birth, or a ritual for death, or a ritual for marriage, for death was a ritual, life a ritual, cooking a ritual, and eating were all rituals with ceremonial guidelines, all of which fed life. Sleeping was a ritual, lovemaking was a ritual, sowing, cultivating, harvesting, storing food were rituals, even sweeping, insulting, fighting were rituals, everything human was a ritual, and to all Tzutujil, ritual was plant-oriented and based on feeding some big Holy ongoing vine-like, tree-like, proceedance that fed us it's fruit.
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Martin Prechtel (The Unlikely Peace at Cuchumaquic: The Parallel Lives of People as Plants: Keeping the Seeds Alive)
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There are Christian fiction writers and then there are Christians who write fiction. There is Christian fiction, then there is what some consider to be church fiction or church drama. You have some authors who didn’t necessarily set out to write Christian fiction, but they were placed in that category by either their publisher or the book stores simply shelve them that way. And of course you have the writers whose work is categorized as Christian fiction but they do not write for a Christian fiction imprint, which means they are not necessarily writing with any type of guidelines. I can’t speak for any other Christian fiction author or author who either chose or by default was placed in the Christian fiction category, but I am a Christian fiction writer who writes for a Christian fiction imprint. That is my choice on purpose.
I’ll be the first to admit that yes, I have a ghost writer; the Holy Ghost! I take dictation from the Holy Spirit when I write my stories. My Holy Spirit does not curse nor does He describe explicit sex scenes for me to deliver to God’s people. I write Christian fiction, not inspirational fiction, not faith based fiction or anything else. Christ is in what I do “CHRISTian” fiction. I’m not worrying about “keepin’” it real. The Bible is as real as it gets and if the Holy Spirit didn’t instruct the authors of the Bible to curse people out and describe explicit sex scenes, then why on earth should He start using me to do it now? So my concern is not about “keepin’ it real” for the world as much as it is keepin’ it holy for the Kingdom. My ultimate goal is, yes, to please the readers, but I must first please God.
P.S. Maybe Peter did curse. But even the author of the Bible didn’t feel the need to write the actual curse words.
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E.N. Joy
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If you’ve made it clear what your real bottom lines are and your partner’s violated them anyway, then by definition you will not be happy if you stay and you will only be happy if you leave. Quick take: The bottom line is the end of the line. You have to be fair, though, in implementing this guideline. You can’t just walk around knowing what your limits are in your own mind, while your partner simply doesn’t have a clue, and then if he crosses the line that was invisible to him, you end the relationship. If you know what your bottom lines are, you must tell your partner. This is particularly important in an iffy relationship in which things are so volatile and up in the air.
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Mira Kirshenbaum (Too Good to Leave, Too Bad to Stay: A Step-by-Step Guide to Help You Decide Whether to Stay In or Get Out of Your Relationship)
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Ritual abuse diagnosis research – excerpt from a chapter in: Lacter, E. & Lehman, K. (2008).Guidelines to Differential Diagnosis between Schizophrenia and Ritual Abuse/Mind Control Traumatic Stress. In J.R. Noblitt & P. Perskin(Eds.), Ritual Abuse in the Twenty-first Century: Psychological, Forensic, Social and Political Considerations, pp. 85-154. Bandon, Oregon: Robert D. Reed Publishers. quotes: A second study revealed that these results were unrelated to patients’ degree of media and hospital milieu exposure to the subject of Satanic ritual abuse. “In fact, less media exposure was associated with production of more Satanic content in patients reporting ritual abuse, evidence that reports of ritual abuse are not primarily the product of exposure contagion.” Responses are consistent with the devastating and pervasive abuse these victims have experienced, so often including immediate family members.
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James Randall Noblitt (Ritual Abuse in the Twenty-First Century: Psychological, Forensic, Social, and Political Considerations)
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Instead of showing visibly distinct alternate identities, the typical DID patient presents a polysymptomatic mixture of dissociative and posttraumatic stressdisorder (PTSD) symptoms that are embedded in a matrix of ostensibly non-trauma-related symptoms (e.g., depression, panic attacks, substance abuse,somatoform symptoms, eating-disordered symptoms). The prominence of these latter, highly familiar symptoms often leads clinicians to diagnose only these comorbid conditions. When this happens, the undiagnosed DID patient may undergo a long and frequently unsuccessful treatment for these other conditions.
- Guidelines for Treating Dissociative Identity Disorder in Adults, Third Revision, p5
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James A. Chu
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Just for Today . . . Just for today . . . I will choose and display the right attitudes. Just for today . . . I will determine and act on important priorities. Just for today . . . I will know and follow healthy guidelines. Just for today . . . I will communicate with and care for my family. Just for today . . . I will practice and develop good thinking. Just for today . . . I will make and keep proper commitments. Just for today . . . I will earn and properly manage finances. Just for today . . . I will deepen and live out my faith. Just for today . . . I will initiate and invest in solid relationships. Just for today . . . I will plan for and model generosity. Just for today . . . I will embrace and practice good values. Just for today . . . I will seek and experience improvements. Just for today . . . I will act on these decisions and practice these disciplines, and Then one day . . . I will see the compounding results of a day lived well.
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John C. Maxwell (Today Matters: 12 Daily Practices to Guarantee Tomorrows Success)
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Switches among identities occur in response to changes in emotional state or to environmental demands, resulting in another identity emerging to assume control. Because different identities have different roles, experiences, emotions, memories, and beliefs, the therapist is constantly contending with their competing points of view. Helping the identities to be aware of one another as legitimate parts of the self and to negotiate and resolve their conflicts is at the very core of the therapeutic process. It is countertherapeutic for the therapist to treat any alternate identity as if it were more “real” or more important than any other.
Guidelines for Treating Dissociative Identity Disorder in Adults, Third Revision
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James A. Chu
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fishing, my philosophy is that men will treat women like one of these two things: a sports fish or a keeper. How we meet, how the conversation goes, how the relationship develops, and the demands you make on a man will all determine whether you’ll be treated like a sports fish—a throwback—or a keeper, the kind of woman a man can envision settling down with. And the way we separate the two is very simple, as I explain next. A SPORTS FISH . . . Doesn’t have any rules, requirements, respect for herself, or guidelines, and we men can pick up her scent a mile away. She’s the party girl who takes a sip of her Long Island iced tea or a shot of her Patrón, then announces to her suitor that she just wants to “date and see how it goes,” and she’s the conservatively dressed woman at the office who is a master at networking, but clueless about how to approach men. She has no plans for any ongoing relationships, is not expecting anything in particular from a man, and sets absolutely not nary one condition or restriction on anyone standing before her—she makes it very clear that she’s just along for whatever is getting ready to happen. For sure, as soon as she lets a man know through words and action that he can treat her just any old kind of way, he will do just
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Steve Harvey (Act Like a Lady, Think Like a Man, Expanded Edition: What Men Really Think About Love, Relationships, Intimacy, and Commitment)
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In matters of affection, the rules of engagement at Empire High were detailed yet unambiguous, an extension of procedures established in junior high, a set of guidelines that couldn't have been clearer if they'd been posted on the schoolhouse door. If you were a girl and your heart inclined toward a particular boy, you had one of your girlfriends make inquiries from one of that boy's friends. Such contact represented the commencement of a series of complex negotiations, the opening rounds of which were handled by friends. Boy's friend A might report to Girl's friend B that the boy in question considered her a fox, or, if he felt particularly strongly, a major fox. Those experienced in these matters knew that it was wise to proceed cautiously, since too much ardor could delay things for weeks. The girl in question might be in negotiations with other parties, and no boy wanted to be on record as considering a girl a major fox only to discover that she considered him merely cool. Friends had to be instructed carefully about how much emotional currency they could spend, since rogue emotions led to inflation, lessening the value of everyone's feelings. Once a level of affection within the comfort zone of both parties was agreed upon, the principals could then meet for the exchange of mementos - rings, jackets, photos, key chains - to seal the deal, always assuming that seconds had properly represented the lovers to begin with.
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Richard Russo (Empire Falls)
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There was another line of argument that nagged at me: the suggestion that boys simply could not help themselves. As if he never had a choice. I have told each of my girls heading off to college: If you walk in front of a semi truck expect to get hit. Don't walk in front of a semi. If you go to a frat party expect to get drunk, drugged and raped. Don't go to a frat party. You went to a frat and got assaulted? What did you expect? I'd heard this in college, freshman girls in frats compared to sheep in a slaughterhouse. I understand you are not supposed to walk into a lion's den because you could be mauled. But lions are wild animals. And boys are people, they have minds, live in a society with laws. Groping others was not a natural reflex, biologically built in. It was a cognitive action they were capable of controlling.
It seemed once you submitted to walking through fraternity doors, all laws and regulation ceased. They were not asked to adhere to the same rules, yet there were countless guidelines women had to follow: cover your drink, stick close to others, don't wear short skirts. Their behavior was the constant, while we were the variable expected to change. When did it become our job to do all the preventing and managing? And if houses existed where many young girls were getting hurt, shouldn't we hold the guys in these houses to a higher standard, instead of reprimanding the girls? Why was passing out considered more reprehensible than fingering the passed-out person?
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Chanel Miller (Know My Name)
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So let’s consider an alternative diet, say 1200 kcal consisting of 30% protein, 15% carbs (i.e., 180 kcal or 45 grams), and 55% fat. After a week or two of getting adapted (during which you may experience some of the fuel limitation symptoms discussed above), your serum ketones rise up in the range (1-2 millimolar) where they meet at least half of the brain’s fuel supply. Now if you go for that 5 mile run, almost all of your body’s muscle fuel comes from fat, leaving your dietary carb intake plus gluconeogenesis from protein to meet the minor fraction of your brain’s energy need not provided from ketones. And, oh yes, after your run while on the low carb diet, your ketone levels actually go up a bit (not dangerously so), further improving fuel flow to your brain. So what does this mean for the rest of us who are not compulsive runners? Well, this illustrates that the keto-adapted state allows your body more flexibility in meeting its critical organ energy needs than a ‘balanced’ but energy-restricted diet. And in particular, this also means that your brain is a “carbohydrate dependent organ” (as claimed by the USDA Dietary Guidelines Advisory Committee as noted in Chapter 3) ONLY when you are eating a high carbohydrate diet. When carbohydrate is restricted as in the example above, your body’s appropriate production of ketones frees the brain from this supposed state of ‘carbohydrate dependency’. And because exercise stimulates ketone production, your brain’s fuel supply is better supported during and after intense exercise when on a low carbohydrate diet than when your carbohydrate intake is high (see below).
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Jeff S. Volek (The Art and Science of Low Carbohydrate Living: An Expert Guide to Making the Life-Saving Benefits of Carbohydrate Restriction Sustainable and Enjoyable)
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In the mid-1980s, Congress authorized the creation of the US Sentencing Commission to examine prison terms and codify norms to correct the arbitrary punishments meted out by unaccountable judges. First, in 1989 the commission’s guidelines for individuals went into effect, establishing a point system for how many years of prison a convicted criminal might get, based on the seriousness of the misconduct and a person’s criminal history. In 1991, amid public and congressional outrage that sentences for white-collar criminals were too light and fines and sanctions for corporations too lenient, the Sentencing Commission expanded the concept to cover organizations. It formalized the Sporkin-era regime of offering leniency in exchange for cooperation and reform. The new rules delineated factors that could earn a culprit mercy. In levying a fine, the court should consider, the sentencing guidelines said, “any collateral consequences of conviction.” 1 “Collateral consequences” was, and remains, an ill-defined concept. How worried should the government be if a punishment causes a company to go out of business? Should regulators worry about the cashiering of innocent employees? What about customers, suppliers, or competitors? Should they fret about financial crises? From this rather innocuous mention, the little notion of collateral consequences would blossom into the great strangling vine that came to be known after the financial crisis of 2008 by its shorthand: “too big to jail.” Prosecutors and regulators were crippled by the idea that the government could not criminally sanction some companies—particularly giant banks—for fear that they would collapse, causing serious problems for financial markets or the economy.
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Jesse Eisinger (The Chickenshit Club: Why the Justice Department Fails to Prosecute Executives)
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(Inevitably, someone raises the question about World War II: What if Christians had refused to fight against Hitler? My answer is a counterquestion: What if the Christians in Germany had emphatically refused to fight for Hitler, refused to carry out the murders in concentration camps?) The long history of Christian “just wars” has wrought suffering past all telling, and there is no end in sight. As Yoder has suggested, Niebuhr’s own insight about the “irony of history” ought to lead us to recognize the inadequacy of our reason to shape a world that tends toward justice through violence. Might it be that reason and sad experience could disabuse us of the hope that we can approximate God’s justice through killing? According to the guideline I have proposed, reason must be healed and taught by Scripture, and our experience must be transformed by the renewing of our minds in conformity with the mind of Christ. Only thus can our warring madness be overcome. This would mean, practically speaking, that Christians would have to relinquish positions of power and influence insofar as the exercise of such positions becomes incompatible with the teaching and example of Jesus. This might well mean, as Hauerwas has perceived, that the church would assume a peripheral status in our culture, which is deeply committed to the necessity and glory of violence. The task of the church then would be to tell an alternative story, to train disciples in the disciplines necessary to resist the seductions of violence, to offer an alternative home for those who will not worship the Beast. If the church is to be a Scripture-shaped community, it will find itself reshaped continually into a closer resemblance to the socially marginal status of Matthew’s nonviolent countercultural community. To articulate such a theological vision for the church at the end of the twentieth century may be indeed to take most seriously what experience is telling us: the secular polis has no tolerance for explicitly Christian witness and norms. It is increasingly the case in Western culture that Christians can participate in public governance only insofar as they suppress their explicitly Christian motivations. Paradoxically, the Christian community might have more impact upon the world if it were less concerned about appearing reasonable in the eyes of the world and more concerned about faithfully embodying the New Testament’s teaching against violence. Let it be said clearly, however, that the reasons for choosing Jesus’ way of peacemaking are not prudential. In calculable terms, this way is sheer folly. Why do we choose the way of nonviolent love of enemies? If our reasons for that choice are shaped by the New Testament, we are motivated not by the sheer horror of war, not by the desire for saving our own skins and the skins of our children (if we are trying to save our skins, pacifism is a very poor strategy), not by some general feeling of reverence for human life, not by the naive hope that all people are really nice and will be friendly if we are friendly first. No, if our reasons for choosing nonviolence are shaped by the New Testament witness, we act in simple obedience to the God who willed that his own Son should give himself up to death on a cross. We make this choice in the hope and anticipation that God’s love will finally prevail through the way of the cross, despite our inability to see how this is possible. That is the life of discipleship to which the New Testament repeatedly calls us. When the church as a community is faithful to that calling, it prefigures the peaceable kingdom of God in a world wracked by violence.
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Richard B. Hays (The Moral Vision of the New Testament: A Contemporary Introduction to New Testament Ethics)
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In order to gain knowledge about a person through nonverbal pacifiers, there are a few guidelines you need to follow: (1) Recognize pacifying behaviors when they occur. I have provided you with all of the major pacifiers. As you make a concerted effort to spot these body signals, they will become increasingly easy to recognize in interactions with other people. (2) Establish a pacifying baseline for an individual. That way you can note any increase and/or intensity in that person’s pacifying behaviors and react accordingly. (3) When you see a person make a pacifying gesture, stop and ask yourself, “What caused him to do that?” You know the individual feels uneasy about something. Your job, as a collector of nonverbal intelligence, is to find out what that something is. (4) Understand that pacifying behaviors almost always are used to calm a person after a stressful event occurs. Thus, as a general principle, you can assume that if an individual is engaged in pacifying behavior, some stressful event or stimulus has preceded it and caused it to happen. (5) The ability to link a pacifying behavior with the specific stressor that caused it can help you better understand the person with whom you are interacting. (6) In certain circumstances you can actually say or do something to see if it stresses an individual (as reflected in an increase in pacifying behaviors) to better understand his thoughts and intentions. (7) Note what part of the body a person pacifies. This is significant, because the higher the stress, the greater the amount of facial or neck stroking is involved. (8) Remember, the greater the stress or discomfort, the greater the likelihood of pacifying behaviors to follow. Pacifiers are a great way to assess for comfort and discomfort. In a sense, pacifying behaviors are “supporting players” in our limbic reactions. Yet they reveal much about our emotional state and how we are truly feeling.
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Joe Navarro (What Every Body is Saying: An FBI Agent's Guide to Speed-Reading People)
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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.
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Dave Ramsey (The Total Money Makeover: A Proven Plan for Financial Fitness)
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Story time. In September of 1869, there was a terrible fire at the Avondale coal mine near Plymouth, Pennsylvania. Over 100 coal miners lost their lives. Horrific conditions and safety standards were blamed for the disaster. It wasn’t the first accident. Hundreds of miners died in these mines every year. And those that didn’t, lived in squalor. Children as young as eight worked day in and out. They broke their bodies and gave their lives for nothing but scraps. That day of the fire, as thousands of workers and family members gathered outside the mine to watch the bodies of their friends and loved ones brought to the surface, a man named John Siney stood atop one of the carts and shouted to the crowd: Men, if you must die with your boots on, die for your families, your homes, your country, but do not longer consent to die, like rats in a trap, for those who have no more interest in you than in the pick you dig with. That day, thousands of coal miners came together to unionize. That organization, the Workingmen’s Benevolent Association, managed to fight, for a few years at least, to raise safety standards for the mines by calling strikes and attempting to force safety legislation. ... Until 1875, when the union was obliterated by the mine owners. Why was the union broken so easily? Because they were out in the open. They were playing by the rules. How can you win a deliberately unfair game when the rules are written by your opponent? The answer is you can’t. You will never win. Not as long as you follow their arbitrary guidelines. This is a new lesson to me. She’s been teaching me so many things, about who I am. About what I am. What I really am. About what must be done. Anyway, during this same time, it is alleged a separate, more militant group of individuals had formed in secret. The Molly Maguires. Named after a widow in Ireland who fought against predatory landlords, the coal workers of Pennsylvania became something a little more proactive, supposedly assassinating over two dozen coal mine supervisors and managers. ... Until Pinkerton agents, hired by the same mine owners, infiltrated the group and discovered their identities. Several of the alleged Mollies ended up publicly hanged. Others disappeared. You get the picture. So, that’s another type of secret society. The yeah-we’re-terrorists-but-we-strongly-feel-we’re-justified-and-fuck-you-if-you-don’t-agree society. So, what’s the moral of this little history lesson? This sort of thing happens all day, every day across the universe. It happens in Big Ways, and it happens in little ways, too. The strong stomp on the weak. The weak fight back, usually within the boundaries of the rat trap they find themselves confined. They almost always remain firmly stomped. But sometimes, the weak gather in secret. They make plans. They work outside the system to effect change. Like the Mollies, they usually end up just as stomped as everyone else. But that’s just life. At least they fucking tried. They died with their boots on, as much as I hate that expression. They died with their boots on for their people, their family, not for some rich, nameless organization that gives no shits whether they live or die. Or go extinct. Or are trapped for a millennia after they’re done being used. In my opinion, that’s the only type of society that’s worth joining, worth fighting for. Sure, you’re probably gonna die. But if you find yourself in such a position where such an organization is necessary, what do you have to lose? How can you look at yourself if you don’t do everything you can? And that brings us to the door you’re standing in front of right now. What does all this have to do with what you’re going to find on the other side? Nothing!
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Matt Dinniman (The Eye of the Bedlam Bride (Dungeon Crawler Carl, #6))