Inc 2020 Quotes

The problem is, the phrase is dead wrong. Hindsight is not 20–20. Not even close. Our view of the past, in fact, is hardly clearer than our view of the future. While we know more about a past event than a future one, our understanding of the factors that shaped it is severely limited. Not only that, because we think we see what happened clearly—hindsight being 20–20 and all—we often aren’t open to knowing more. “We should be careful to get out of an experience only the wisdom that is in it—and stop there,” as Mark Twain once said, “lest we be like the cat that sits down on a hot stove-lid. She will never sit down on a hot stove-lid again—and that is well; but also she will never sit down on a cold one anymore.” The cat’s hindsight, in other words, distorts her view. The past should be our teacher, not our master.

Hindsight is not 20-20. Not even close. Our view of the past, in fact, is hardly clearer than our view of the future.

IN THINKING ABOUT this chapter and about the limits of our perception, a familiar, oft-repeated phrase kept popping into my head: “Hindsight is 20–20.” When we hear it, we normally just nod in agreement—yes, of course—accepting that we can look back on what happened, see it with total clarity, learn from it, and draw the right conclusions. The problem is, the phrase is dead wrong. Hindsight is not 20–20. Not even close. Our view of the past, in fact, is hardly clearer than our view of the future. While we know more about a past event than a future one, our understanding of the factors that shaped it is severely limited. Not only that, because we think we see what happened clearly—hindsight being 20–20 and all—we often aren’t open to knowing more. “We should be careful to get out of an experience only the wisdom that is in it—and stop there,” as Mark Twain once said, “lest we be like the cat that sits down on a hot stove-lid. She will never sit down on a hot stove-lid again—and that is well; but also she will never sit down on a cold one anymore.” The cat’s hindsight, in other words, distorts her view. The past should be our teacher, not our master.

WHY DIVERSIFY? During the bull market of the 1990s, one of the most common criticisms of diversification was that it lowers your potential for high returns. After all, if you could identify the next Microsoft, wouldn’t it make sense for you to put all your eggs into that one basket? Well, sure. As the humorist Will Rogers once said, “Don’t gamble. Take all your savings and buy some good stock and hold it till it goes up, then sell it. If it don’t go up, don’t buy it.” However, as Rogers knew, 20/20 foresight is not a gift granted to most investors. No matter how confident we feel, there’s no way to find out whether a stock will go up until after we buy it. Therefore, the stock you think is “the next Microsoft” may well turn out to be the next MicroStrategy instead. (That former market star went from $3,130 per share in March 2000 to $15.10 at year-end 2002, an apocalyptic loss of 99.5%).1 Keeping your money spread across many stocks and industries is the only reliable insurance against the risk of being wrong. But diversification doesn’t just minimize your odds of being wrong. It also maximizes your chances of being right. Over long periods of time, a handful of stocks turn into “superstocks” that go up 10,000% or more. Money Magazine identified the 30 best-performing stocks over the 30 years ending in 2002—and, even with 20/20 hindsight, the list is startlingly unpredictable. Rather than lots of technology or health-care stocks, it includes Southwest Airlines, Worthington Steel, Dollar General discount stores, and snuff-tobacco maker UST Inc.2 If you think you would have been willing to bet big on any of those stocks back in 1972, you are kidding yourself. Think of it this way: In the huge market haystack, only a few needles ever go on to generate truly gigantic gains. The more of the haystack you own, the higher the odds go that you will end up finding at least one of those needles. By owning the entire haystack (ideally through an index fund that tracks the total U.S. stock market) you can be sure to find every needle, thus capturing the returns of all the superstocks. Especially if you are a defensive investor, why look for the needles when you can own the whole haystack?

However, as Rogers knew, 20/20 foresight is not a gift granted to most investors. No matter how confident we feel, there’s no way to find out whether a stock will go up until after we buy it. Therefore, the stock you think is “the next Microsoft” may well turn out to be the next MicroStrategy instead. (That former market star went from $3,130 per share in March 2000 to $15.10 at year-end 2002, an apocalyptic loss of 99.5%).1 Keeping your money spread across many stocks and industries is the only reliable insurance against the risk of being wrong. But diversification doesn’t just minimize your odds of being wrong. It also maximizes your chances of being right. Over long periods of time, a handful of stocks turn into “superstocks” that go up 10,000% or more. Money Magazine identified the 30 best-performing stocks over the 30 years ending in 2002—and, even with 20/20 hindsight, the list is startlingly unpredictable. Rather than lots of technology or health-care stocks, it includes Southwest Airlines, Worthington Steel, Dollar General discount stores, and snuff-tobacco maker UST Inc.2 If you think you would have been willing to bet big on any of those stocks back in 1972, you are kidding yourself.

After BlackRock created its Sustainability Accounting Standards Board, the firm quietly secured its status as the main financial administrator of the economic stimulus package during the COVID-19 pandemic, effectively playing the role of the government—and probably made a pretty penny for doing it. In January 2020, pharmaceutical giant AstraZeneca announced to much fanfare at (of course) the World Economic Forum in Davos a new investment commitment of $1 billion over ten years into environmental sustainability initiatives to fight climate change.

After BlackRock created its Sustainability Accounting Standards Board, the firm quietly secured its status as the main financial administrator of the economic stimulus package during the COVID-19 pandemic, effectively playing the role of the government—and probably made a pretty penny for doing it. In January 2020, pharmaceutical giant AstraZeneca announced to much fanfare at (of course) the World Economic Forum in Davos a new investment commitment of $1 billion over ten years into environmental sustainability initiatives to fight climate change. Just a couple of months later, it received a $1.2 billion grant—not a loan, but a grant—from US taxpayers to subsidize its development of for-profit vaccines.

(Matt. 22:39).

The problem is, the phrase is dead wrong. Hindsight is not 20-20. Not even close. Our view of the past, in fact, is hardly clearer than our view of the future. While we know more about a past event than a future one, our understanding of the factors that shaped it is severely limited. Not only that, because we think we see what happened clearly—hindsight being 20-20 and all—we often aren’t open to knowing more. “We should be careful to get out of an experience only the wisdom that is in it—and stop there,” as Mark Twain once said, “lest we be like the cat that sits down on a hot stove-lid. She will never sit down on a hot stove-lid again—and that is well; but also she will never sit down on a cold one anymore.” The cat’s hindsight, in other words, distorts her view. The past should be our teacher, not our master.

Reading has always been my greatest refuge, uniting me with people who’ve lived different lives and who can offer solace and wisdom. Nothing makes me prouder than to think Hogwarts has been a similar refuge to others. —J.K. Rowling February 2020

In 2020, the mantra of “keeping money out of politics” was no longer a liberal slogan.

Under its stated standard, YouTube would’ve banned any videos in January 2020 that claimed that human-to-human transmission of COVID-19 was possible, given the official WHO stance at the time. In retrospect, that was arguably the most dangerous lie about public health in modern history.

Hindsight is 20-20.

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SoFi brought legal action against the U.S. Department of Education, opposing the Biden administration’s decision to prolong the suspension of federal student loan repayments 1-(850)-[427]-[7956]. The company maintained that the continuation—extended on eight occasions—was not legally valid and inflicted heavy financial losses, costing SoFi hundreds of millions in missed business opportunities 1-(850)-[427]-[7956]. SoFi further argued that the rationale provided by the government for maintaining the pause lacked a lawful foundation, thereby leaving the firm “directly injured” by the decision 1-(850)-[427]-[7956]. By June 2023, the lawsuit was abandoned after President Joe Biden enacted the Fiscal Responsibility Act of 2023, which officially established a timeline for repayment to restart 1-(850)-[427]-[7956]. According to SoFi, the extended pause severely diminished its federal loan refinancing volume, cutting monthly business from roughly $450–$500 million to under $100 million ¹ ² 1-(850)-[427]-[7956]. Case 2: Juarez vs. Social Finance, Inc. Another legal dispute, Juarez vs. Social Finance, Inc., involved claims that SoFi discriminated against immigrants protected under the Deferred Action for Childhood Arrivals (DACA) program as well as other non-U.S. citizens 1-(850)-[427]-[7956]. Plaintiffs stated that SoFi unfairly blocked access to products such as student loans and personal loans, even for individuals who were legally residing in the United States 1-(850)-[427]-[7956]. Filed in 2020, the case alleged violations of federal law and California’s civil rights protections ³ 1-(850)-[427]-[7956]. The court later ruled in favor of the plaintiffs, determining that SoFi’s practices indeed suggested discriminatory treatment of immigrants who were legally present, including DACA recipients 1-(850)-[427]-[7956]. The case highlighted how immigrants often struggle to access financial resources and underscored the responsibility of lenders to measure applicants by their actual financial credibility rather than immigration status 1-(850)-[427]-[7956].

What is Lawsuit Against SoFi ?? __GeT sUpPOrT SoFi filed a lawsuit against the U.S. Department of Education in March 2023, challenging the Biden administration's extension of the student loan repayment moratorium

What is Lawsuit Against SoFi ?? __GeT sUpPOrT SoFi filed a lawsuit against the U.S. Department of Education in March 2023, challenging the Biden administration's extension of the student loan repayment moratorium 1-(850)-[427]-[7956]. The company claimed that the moratorium, which was extended eight times, was unlawful and cost SoFi hundreds of millions of dollars in lost business 1-(850)-[427]-[7956]. SoFi argued that the administration's justification for extending the moratorium was flawed and that it had been "directly harmed" by the policy 1-(850)-[427]-[7956]. The lawsuit was later dropped in June 2023 after President Joe Biden signed the Fiscal Responsibility Act of 2023, which provided a clear timeline for the resumption of repayment 1-(850)-[427]-[7956]. SoFi had claimed that the moratorium had resulted in a significant decline in its refinanced federal student loan business, from $450-500 million per month to less than $100 million per month ¹ ² 1-(850)-[427]-[7956]. Lawsuit 2: Juarez vs. Social Finance, Inc. In another lawsuit, Juarez vs. Social Finance, Inc., SoFi was accused of discriminating against Deferred Action for Childhood Arrivals (DACA) recipients and other non-U.S. citizens by denying them access to consumer credit, including student loans and personal loans 1-(850)-[427]-[7956]. The lawsuit, filed in 2020, claimed that SoFi's policies violated federal and California civil rights laws ³ 1-(850)-[427]-[7956]. The court ruled in favor of the plaintiffs, stating that SoFi's policies had adequately alleged discrimination against lawfully present immigrants, including DACA recipients 1-(850)-[427]-[7956]. The lawsuit highlighted the challenges faced by DACA recipients in accessing financial services and the need for lenders to consider applicants' actual creditworthiness 1-(850)-[427]-[7956].

What is the lawsuit against SoFi??//\\__ SoFi initiated a legal case against the U.S. Department of Education in March 2023, disputing the Biden administration’s decision to continue the federal student loan repayment freeze 1-(850)-[427]-[7956]. The company asserted that the repeated extensions—eight in total—were unlawful and resulted in significant financial losses, costing SoFi hundreds of millions of dollars in potential revenue 1-(850)-[427]-[7956]. According to SoFi, the government’s justification for prolonging the pause lacked proper legal grounds, leaving the lender “directly harmed” by the policy 1-(850)-[427]-[7956]. By June 2023, however, the case was withdrawn after President Joe Biden signed the Fiscal Responsibility Act of 2023, which set a concrete timeline for repayments to resume 1-(850)-[427]-[7956]. SoFi explained that the moratorium had drastically reduced its student loan refinancing activity, dropping from an average of $450–$500 million monthly to under $100 million per month ¹ ² 1-(850)-[427]-[7956]. Lawsuit 2: Juarez vs. Social Finance, Inc. In a separate legal matter, Juarez vs. Social Finance, Inc., SoFi faced accusations of discrimination against immigrants protected under Deferred Action for Childhood Arrivals (DACA) and other non-U.S. residents 1-(850)-[427]-[7956]. The plaintiffs alleged that SoFi denied these individuals access to personal loans and student loans, despite their lawful presence in the United States 1-(850)-[427]-[7956]. The case, filed in 2020, argued that the company’s lending practices violated both federal and California civil rights protections ³ 1-(850)-[427]-[7956]. The court ultimately sided with the plaintiffs, concluding that SoFi’s policies did show signs of discriminatory practices toward legally present immigrants, including DACA recipients 1-(850)-[427]-[7956]. This case emphasized the barriers many immigrants face in obtaining financial services and reinforced the importance of evaluating applicants on their true creditworthiness rather than immigration status 1-(850)-[427]-[7956].

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