Investing In Someone Quotes

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Time is your most precious gift because you only have a set amount of it. You can make more money, but you can't make more time. When you give someone your time, you are giving them a portion of your life that you'll never get back. Your time is your life. That is why the greatest gift you can give someone is your time. It is not enough to just say relationships are important; we must prove it by investing time in them. Words alone are worthless. "My children, our love should not be just words and talk; it must be true love, which shows itself in action." Relationships take time and effort, and the best way to spell love is "T-I-M-E.
Rick Warren (The Purpose Driven Life: What on Earth Am I Here for?)
To be someone's best friend requires a minimum investment of time. More than that, though, it takes emotional energy. Caring about someone deeply is exhausting.
Malcolm Gladwell (The Tipping Point: How Little Things Can Make a Big Difference)
You have to be quite heavily invested in someone to do them the honour of telling them you're annoyed with them.
Alain de Botton
The less you associate with some people, the more your life will improve. Any time you tolerate mediocrity in others, it increases your mediocrity. An important attribute in successful people is their impatience with negative thinking and negative acting people. As you grow, your associates will change. Some of your friends will not want you to go on. They will want you to stay where they are. Friends that don't help you climb will want you to crawl. Your friends will stretch your vision or choke your dream. Those that don't increase you will eventually decrease you. Consider this: Never receive counsel from unproductive people. Never discuss your problems with someone incapable of contributing to the solution, because those who never succeed themselves are always first to tell you how. Not everyone has a right to speak into your life. You are certain to get the worst of the bargain when you exchange ideas with the wrong person. Don't follow anyone who's not going anywhere. With some people you spend an evening: with others you invest it. Be careful where you stop to inquire for directions along the road of life. Wise is the person who fortifies his life with the right friendships. If you run with wolves, you will learn how to howl. But, if you associate with eagles, you will learn how to soar to great heights. "A mirror reflects a man's face, but what he is really like is shown by the kind of friends he chooses." The simple but true fact of life is that you become like those with whom you closely associate - for the good and the bad. Note: Be not mistaken. This is applicable to family as well as friends. love, appreciate and be thankful for your family, for they will always be your family no matter what. Just know that they are human first and though they are family to you, they may be a friend to someone else and will fit somewhere in the criteria above. "In Prosperity Our Friends Know Us. In Adversity We Know Our friends." "Never make someone a priority when you are only an option for them." "If you are going to achieve excellence in big things,you develop the habit in little matters. Excellence is not an exception, it is a prevailing attitude.."..
Colin Powell
There's such thing as an emotional cost,” Adam said. “Investing in someone else's survival isn't free, and some people's emotional banks are already overdrawn.
Maggie Stiefvater (Call Down the Hawk (Dreamer Trilogy, #1))
Love the quick profit, the annual raise, vacation with pay. Want more of everything ready-made. Be afraid to know your neighbors and to die. And you will have a window in your head. Not even your future will be a mystery any more. Your mind will be punched in a card and shut away in a little drawer. When they want you to buy something they will call you. When they want you to die for profit they will let you know. So, friends, every day do something that won’t compute. Love the Lord. Love the world. Work for nothing. Take all that you have and be poor. Love someone who does not deserve it. Denounce the government and embrace the flag. Hope to live in that free republic for which it stands. Give your approval to all you cannot understand. Praise ignorance, for what man has not encountered he has not destroyed. Ask the questions that have no answers. Invest in the millenium. Plant sequoias. Say that your main crop is the forest that you did not plant, that you will not live to harvest. Say that the leaves are harvested when they have rotted into the mold. Call that profit. Prophesy such returns. Put your faith in the two inches of humus that will build under the trees every thousand years. Listen to carrion — put your ear close, and hear the faint chattering of the songs that are to come. Expect the end of the world. Laugh. Laughter is immeasurable. Be joyful though you have considered all the facts. So long as women do not go cheap for power, please women more than men. Ask yourself: Will this satisfy a woman satisfied to bear a child? Will this disturb the sleep of a woman near to giving birth? Go with your love to the fields. Lie down in the shade. Rest your head in her lap. Swear allegiance to what is nighest your thoughts. As soon as the generals and the politicos can predict the motions of your mind, lose it. Leave it as a sign to mark the false trail, the way you didn’t go. Be like the fox who makes more tracks than necessary, some in the wrong direction. Practice resurrection.
Wendell Berry
Loving someone can be hard at times. You risk a lot when you love - your heart and soul, at the least. Love is the most important and most rewarding investment you can make in another person.
J.E.B. Spredemann (A Secret of the Heart (Amish Secrets #3))
When we feel deeply drawn to someone, we cathect them; that is, we invest feelings or emotion in them. That process of investment wherein a loved one becomes important to us is called "cathexis". I his book Peck rightly emphasizes that most of us "confuse cathecting with loving." We all know how often individuals of cathecting insist that they love the other person even if they are hurting of neglecting them. Since their feiling is that of cathexis, they insist that what they feel is love. When we understand love as the will to nurture our own and another's spiritual growth, it becomes clear that we cannot claim to love if we are hurtful and abusive.
bell hooks (All About Love: New Visions)
Geniuses are always marginalized to one degree or another. Someone wholly invested in the status quo is unlikely to disrupt it.
Eric Weiner (The Geography of Genius: A Search for the World's Most Creative Places from Ancient Athens to Silicon Valley)
When I encourage someone, I see it as an investment in their resilience.
Steve Karagiannis
A Master is not someone who merely revels in the benefits that he reaps from the power and control that he wields over his sub. A Master is not just an automaton who emotionally doles out orders and watches with amusement as his minions perform his bidding. A Master is not a person who only relishes the benefits that his superior status entitles him. Certainly all of these characteristics could and often do exist within a Master. He may be demanding and at times selfish. He may genuinely enjoy and even be aroused by the power that he has over a sub. He may be able to expertly control his emotions, issuing his commands and enforcing his discipline with stone-faced determination. But a true Master, a Master such as Matt, was so invested in his sub that he was actually in a way a slave himself. He was a slave to his love for me. He was a slave to his responsibility. He was a slave to the passion and the commitment. He was a slave to his overwhelming desire to protect his property at all costs. He was a slave to his slave. I knew without questions that he loved me so much he'd literally lay down his life for me. He owned me, and his ownership owned him
Jeff Erno (Building a Family (Puppy Love #2))
Someone who never has fun with money misses the point. Someone who never invests money will never have any. Someone who never gives is a monkey with his hand in a bottle.
Dave Ramsey (The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness)
The phrase 'Love one another' is so wise. By loving one another, we invest in each other and in ourselves. Perhaps someday, when we need someone to care for us, it may not come from the person we expect, but from the person we least expect. It may be our sons or daughter-in-laws, our neighbors, friends, cousins, stepchildren, or stepparents whose love for us has assigned them to the honorable, yet dangerous position of caregiver.
Peggi Speers (The Inspired Caregiver: Finding Joy While Caring for Those You Love)
Work for someone who believes in you, because when they believe in you, they'll invest in you.
Marissa Meyer
Before you think of asking for support from someone for the success your dreams, ask yourself "how much of what I have can I invest?" Help yourself first!
Israelmore Ayivor (The Great Hand Book of Quotes)
How many people can you claim truly care about you? I mean, not just the people in your life who are fun to hang out with, not just the people who you love and trust. But people who feel good when you are happy and successful, feel bad when you are hurt or going through a hard time, people who would walk away from their lives for a little while to help you with yours. Not many. I felt that from Jake and I wasn’t sure how to handle it. Because there’s another side to it, you know. When someone is invested in your well-being, like your parents, for example, you become responsible for them in a way. Anything you do to hurt yourself hurts them. I already felt responsible for too many people that way. You’re not really free when people care about you; not if you care about them.
Lisa Unger (Beautiful Lies (Ridley Jones #1))
When the middle classes get passionate about politics, they're arguing about their treats—their tax breaks and their investments. When the poor get passionate about politics, they're fighting for their lives. Politics will always mean more to the poor. Always. That's why we strike and march, and despair when our young say they won't vote. That's why the poor are seen as more vital, more animalistic. No classical music for us—no walking around National Trust properties or buying reclaimed flooring. We don't have nostalgia. We don't do yesterday. We can't bear it. We don't want to be reminded of our past, because it was awful: dying in means, and slums, without literacy, or the vote. Without dignity. It was all so desperate then. That's why the present and the future is for the poor—that's the place in time for us: surviving now, hoping for better later. We live now—for our instant, hot, fast treats, to pep us up: sugar, a cigarette, a new fast song on the radio. You must never, never forget when you talk to someone poor, that it takes ten times the effort to get anywhere from a bad post code. It's a miracle when someone from a bad post code gets anywhere, son. A miracle they do anything at all.
Caitlin Moran (How to Build a Girl (How to Build a Girl, #1))
How is it possible to defeat not the authors but the functions of the author, the idea that behind each book there is someone who guarantees a truth in that world of ghosts and inventions by the mere fact of having invested in it his own truth, of having identified himself with that construction of words?
Italo Calvino (If on a Winter's Night a Traveler)
Res tantum valet quantum vendi potest. (A thing is worth only what someone else will pay for it.)
Burton G. Malkiel (A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing)
Seeing what someone's reading is like seeing the first derivative of their thinking.
Ben Casnocha (The Start-Up of You: Adapt to the Future, Invest in Yourself, and Transform Your Career)
This was exhausting. If she was going to make this kind of emotional investment in someone, he should at least be a proper boyfriend. But for a casual fling? She could drive herself crazy.
Lauren Weisberger (Chasing Harry Winston)
Someone told me once, that he who talks to himself is conversing with a fool. I suppose there's truth in that.
Neal Barrett Jr. (The Treachery of Kings (Investments, #2))
He said it was better to work years at creating an asset rather than to spend your life working hard for money to create someone else’s asset.
Robert T. Kiyosaki (Rich Dad's Guide to Investing: What the Rich Invest In, That the Poor and the Middle Class Do Not!)
Of course no one is the Right Person when you meet her; this is just an illusion necessary to lure you into investing the years and making the sacrifices necessary to love someone. It's like telling yourself your book is going to be a masterpiece and make you rich in order to undertake the laborious ordeal of writing it. It's only after making all those compromises and forfeitures, and amassing a shared fortune in memories, regrets, in-jokes and secrets, fights and reconciliations, that that person becomes the only possible one for you, unique and irreplaceable.
Tim Kreider (I Wrote This Book Because I Love You: Essays)
Caring for someone that doesn't care for you doesn't get you any where, take all the love and care you have for them and give it to someone that actually cares about you, but until you find that person... invest it in yourself.
Jaz Mehat
It’s hard to let go, especially after you’ve invested a few years. It’s hard to let go of who we imagined someone else was too. You loved him so you overlooked all the thing that were obvious to everyone around you. We all do it.
Jacqueline Simon Gunn (The Cat Who Ate His Tail)
When you care deeply about someone or something, repairs are worth your investment of time, energy, effort, heart, and resources. Whether it is to repair a broken trust or a damaged relationship, take the initiative to make it right and make it better.
Susan C. Young
But when the Bible speaks of love, it measures it primarily not by how much you want to receive but by how much you are willing to give of yourself to someone. How much are you willing to lose for the sake of this person? How much of your freedom are you willing to forsake? How much of your precious time, emotion, and resources are you willing to invest in this person? And for that, the marriage vow is not just helpful but it is even a test.
Timothy J. Keller (The Meaning of Marriage: Facing the Complexities of Commitment with the Wisdom of God)
Everyone wants to be wanted and if all people wait for someone else to invest in them, the world will be stuck in an eternal stalemate: nobody moves and nobody wins.
Laura L.
When you were making excuses someone else was making enterprise.
Amit Kalantri (Wealth of Words)
Worshipping God is like mining for fossil fuels,” someone argued. “Plenty of smart people know it is shortsighted, and yet they have too much invested to stop!
Dan Brown (Origin (Robert Langdon, #5))
We are all in different places in our healing process. Do not become invested in someone who is not yet where you are to understand you. They truly cannot hear you.
Renae A. Sauter (An Empowered Life: Mind/Body/Spirit Empowerment)
With the heart, you invest in another person. With your liver, you invest in yourself, and if you don’t love yourself, how can you love someone else?
Anita Nair (Alphabet Soup for Lovers)
Because sooner or later, no matter how great things are in the beginning, someone ends up being discarded, and it’s usually the person with the most feelings invested.
Jacinta Howard (Happiness In Jersey)
We invest ourselves with an abusive superiority when we tell someone what we think of him and of what he does. Frankness is not compatible with a delicate sentiment, nor even with an ethical exigency.
Emil M. Cioran (The Trouble with Being Born)
If he was still alive when this was all over, he might try to find a woman he could spend a night with. One who would understand that he wasn’t worth investing any serious energy in, someone who would expect nothing from an emotionally bankrupt man…Add fifty bucks and that would be a hooker, Einstein.’ (Nathan)
Sherrilyn Kenyon (Phantom in the Night (B.A.D. Agency, #2))
The thing can never be separated from someone who perceives it; nor can it ever actually be in itself because its articulations are the very ones of our existence, and because it is posited at the end of a gaze or at the conclusion of a sensory exploration that invests it with humanity. To taking up or the achievement by us of an alien intention or inversely the accomplishment beyond our perceptual powers and as a coupling of our body wit the things.
Maurice Merleau-Ponty (Phenomenology of Perception)
My father who got cages instead of compassion. My father whose whole story no one of us will ever know. What did it do to him, all those years locked away, all that time in chains, all those days upon days without human touch except touch meant to harm - hand behind your back, N****r. Get on the fucking wall, N****r! Lift your sac, N****r. Don't look at me like that or I will f*****g kill your Black ass. It would be easy to speculate about the impact of years of cocaine use on my father's heart, but I suspect that it will tell us less than if we could measure the cumulative effects of hatred, racism and indignity. What is the impact of years of strip searches, of being bent over, the years before that when you were a child and knew that no dream you had for yourself was taken seriously by anyone, that you were not someone who would be fully invested in by a nation that treated you as expendable?
Patrisse Khan-Cullors (When They Call You a Terrorist: A Black Lives Matter Memoir)
I'm as big as snob as they come, but money is a terrible barometer of a person's worth. The standard I used is what a person is choosing to do with his life. So for me a struggling musician (someone dedicated to their craft, not some slacker) is much better than some lame investment banker. And the fact that she lied seemed like she was ashamed. She dismissed my anger as if I were overreacting.
Harvey Pekar (American Splendor: The Life and Times of Harvey Pekar)
1. Myth: Without God, life has no meaning. There are 1.2 billion Chinese who have no predominant religion, and 1 billion people in India who are predominantly Hindu. And 65% of Japan's 127 million people claim to be non-believers. It is laughable to suggest that none of these billions of people are leading meaningful lives. 2. Myth: Prayer works. Studies have now shown that inter-cessionary prayer has no effect whatsoever of the health or well-being of the subject. 3. Myth: Atheists are immoral. There are hundreds of millions of non-believers on the planet living normal, decent, moral lives. They love their children, care about others, obey laws, and try to keep from doing harm to others just like everyone else. In fact, in predominantly non-believing countries such as in northern Europe, measures of societal health such as life expectancy at birth, adult literacy, per capita income, education, homicide, suicide, gender equality, and political coercion are better than they are in believing societies. 4. Myth: Belief in God is compatible with science. In the past, every supernatural or paranormal explanation of phenomena that humans believed turned out to be mistaken; science has always found a physical explanation that revealed that the supernatural view was a myth. Modern organisms evolved from lower life forms, they weren't created 6,000 years ago in the finished state. Fever is not caused by demon possession. Bad weather is not the wrath of angry gods. Miracle claims have turned out to be mistakes, frauds, or deceptions. We have every reason to conclude that science will continue to undermine the superstitious worldview of religion. 5. Myth: We have immortal souls that survive death. We have mountains of evidence that makes it clear that our consciousness, our beliefs, our desires, our thoughts all depend upon the proper functioning of our brains our nervous systems to exist. So when the brain dies, all of these things that we identify with the soul also cease to exist. Despite the fact that billions of people have lived and died on this planet, we do not have a single credible case of someone's soul, or consciousness, or personality continuing to exist despite the demise of their bodies. 6. Myth: If there is no God, everything is permitted. Consider the billions of people in China, India, and Japan above. If this claim was true, none of them would be decent moral people. So Ghandi, the Buddha, and Confucius, to name only a few were not moral people on this view. 7. Myth: Believing in God is not a cause of evil. The examples of cases where it was someone's belief in God that was the justification for their evils on humankind are too numerous to mention. 8. Myth: God explains the origins of the universe. All of the questions that allegedly plague non-God attempts to explain our origins still apply to the faux explanation of God. The suggestion that God created everything does not make it any clearer to us where it all came from, how he created it, why he created it, where it is all going. In fact, it raises even more difficult mysteries: how did God, operating outside the confines of space, time, and natural law 'create' or 'build' a universe that has physical laws? We have no precedent and maybe no hope of answering or understanding such a possibility. What does it mean to say that some disembodied, spiritual being who knows everything and has all power, 'loves' us, or has thoughts, or goals, or plans? 9. Myth: There's no harm in believing in God. Religious views inform voting, how they raise their children, what they think is moral and immoral, what laws and legislation they pass, who they are friends and enemies with, what companies they invest in, where they donate to charities, who they approve and disapprove of, who they are willing to kill or tolerate, what crimes they are willing to commit, and which wars they are willing to fight.
Matthew S. McCormick
If your one Rupee is pending with a shopkeeper, you would go to that shop again even if you have to spend 10 Rupees fuel. Same thing happens in relationships. If you have invested a few precious moments in someone, it becomes very difficult to leave. This is how Maya (Space-Time) keeps a soul attached birth after birth.
Three things make people want to change. One is that they hurt sufficiently. They have beat their heads against the same wall so long that they decide they have had enough. They have invested in the same slot machines without a pay-off for so long that they finally are willing either to stop playing, or to move on to others. Their migraines hurt, their ulcers bleed. They are alcoholic. They have hit the bottom. They beg for relief. They want to change. Another thing that makes people want to change is a slow type of despair called ennui, or boredom. This is what the person has who goes through life saying, "So what?" until he finally asks the ultimate big "So What?" He is ready to change. A third thing that makes people want to change is the sudden discovery that they can. This has been an observable effect of Transactional Analysis. Many people who have shown no particular desire to change have been exposed to Transactional Analysis through lectures or by hearing about it from someone else. This knowledge has produced an excitement about new possibilities, which has led to their further inquiry and a growing desire to change. There is also the type of patient who, although suffering from disabling symptoms, still does not really want to change. His treatment contract reads, "I'll promise to let you help me if I don't have to get well." This negative attitude changes, however, as the patient begins to see that there is indeed another way to live. A working knowledge of P-A-C makes it possible for the Adult to explore new and exciting frontiers of life, a desire which has been there all along but has been buried under the burden of the NOT OK.
Thomas A. Harris (I'm OK - You're OK)
someone simply puts his money without analysing anything, then he can be said to a squanderer who does not value his own money.
Chellamuthu Kuppusamy (The Science of Stock Market Investment - Practical Guide to Intelligent Investors)
Don't rely on someone else for your happiness and self-worth. Only YOU can be responsible for it. You have to invest in yourself, or no one else will.
Stacy Charter
We all need someone who invest money or time on us.
Pablo Lozano Brito
In the context of the autism world (and my outlook in general) this is were I stand equality is for everyone, everybody in the world - I look at both sides of the the coin and take into account peoples realities (that makes me neutral/moderate/in the middle). That means that you look in a more three dimensional perspective of peoples diverse realities you cannot speak for all but one can learn from EACH OTHER through listening and experiencing. I also try my best to live with the good cards I was given not over-investing in my autism being the defining factor of my being (but having a healthy acknowledgement of it) that it's there but also thinking about other qualities I have such as being a writer, poet and artist. I do have disability, I do have autism and I have a "mild" learning disability that is true but I a human being first and foremost. And for someone to be seen as person equal to everyone else is a basic human right.
Paul Isaacs (Living Through the Haze)
The replacement of corporate heads is far more motivated by the need to bring in someone who is not invested in the past than to get somebody who is a better manager or a better leader in other ways.
Andrew S. Grove (Only the Paranoid Survive)
Don’t settle… wait for the one who treats you like an investment; not a test drive. Someone who inspires you to be at your best… One who looks beyond your outer beauty and falls in love with your soul.
Steve Maraboli
Our culture places a premium on work, not on relationships. Think about it. When we meet someone, our first question is not so what kind of positive impact are you having on the people around you?" No, it 's " what do you do for a living"? It's not "how are you investing in others?" Instead even if unspoken, it's "how much money do you make?" Our identity lies in jobs, titles, incomes,not in our connections to people.
Bob Welch (52 Little Lessons from It's a Wonderful Life)
(4) Modern capitalism is, and the ancient Roman economy was not, organized in a way that made it potentially rewarding to invest capital in technological development. (5) The strong individualism of U.S. society allows successful inventors to keep earnings for themselves, whereas strong family ties in New Guinea ensure that someone who begins to earn money will be joined by a dozen relatives expecting to move in and be fed and supported.
Jared Diamond (Guns, Germs, and Steel: The Fates of Human Societies)
Sometimes, trust is something born only out of necessity. A curtain we draw to hide the ugly truth in order to convince ourselves that everything is fine, when deep down, we know nothing is fine. Crazy logic, I know. But take it from someone who knows. I trust people just enough to keep my head above water, but never completely. No matter how much you invest in a person, no matter how much think you can trust them, you can always be fooled.
K.B. Ezzell (Elysium (The Broken, #1))
Outright speculation is neither illegal, immoral, nor (for most people) fattening to the pocketbook. More than that, some speculation is necessary and unavoidable, for in many common-stock situations there are substantial possibilities of both profit and loss, and the risks therein must be assumed by someone.* There is intelligent speculation as there is intelligent investing. But there are many ways in which speculation may be unintelligent. Of these the foremost are: (1) speculating when you think you are investing; (2) speculating seriously instead of as a pastime, when you lack proper knowledge and skill for it; and (3) risking more money in speculation than you can afford to lose.
Benjamin Graham (The Intelligent Investor)
I also immediately internalized the idea that no school could teach someone how to be a great investor. If it were true, it’d be the most popular school in the world, with an impossibly high tuition. So it must not be true.” Investing
Michael Lewis (The Big Short: Inside the Doomsday Machine)
With an eBook, however, you are not a first-class commercial citizen. Instead, you have only purchased tenuous rights within someone else’s company store. You cannot resell, nor can you do anything else to treat your purchase as an investment.
Jaron Lanier (Who Owns the Future?)
The Death of the Disc was a traditionalist who prided himself on his personal service and spent most of the time being depressed because this was not appreciated. He would point out that no one feared death itself, just pain and separation and oblivion, and that it was quite unreasonable to take against someone just because he had empty eye sockets and a quiet pride in his work. He still used a scythe, he'd point out, while the Deaths of other worlds had long ago invested in combine harvesters.
Terry Pratchett
It would be easy to speculate about the impact of years of cocaine use on my father's heart, but I suspect that it will tell us less than if we could measure the cumulative effects of hatred, racism and indignity. What is the impact of years of strip searches, of being bent over, the years before that when you were a child and knew that no dream you had for yourself was taken seriously by anyone, that you were not someone who would be fully invested in by a nation that treated you as expendable?
Patrisse Khan-Cullors (When They Call You a Terrorist: A Black Lives Matter Memoir)
no one should be allowed to stop in one place any longer than necessary. A man isn’t a tree, and being settled in one place is his misfortune. It saps his courage, breaks his confidence. When a man settles down somewhere, he agrees to any and all of its conditions, even the disagreeable ones, and frightens himself with the uncertainty that awaits him. Change to him seems like abandonment, like a loss of an investment: someone else will occupy his domain, and he’ll have to begin again. Digging oneself in marks the real beginning of old age, because a man is young as long as he isn’t afraid to make new beginnings. If he stays in the same place, he has to put up with things, or take action. If he moves on, he keeps his freedom; he’s ready to change places and the conditions imposed on him.
Meša Selimović (Death and the Dervish)
But when the Bible speaks of love, it measures it primarily not by how much you want to receive but by how much you are willing to give of yourself to someone. How much are you willing to lose for the sake of this person? How much of your freedom are you willing to forsake? How much of your precious time, emotion, and resources are you willing to invest in this person? And for that, the marriage vow is not just helpful but it is even a test. In so many cases, when one person says to another, “I love you, but let’s not ruin it by getting married,” that person really means, “I don’t love you enough to close off all my options. I don’t love you enough to give myself to you that thoroughly.” To say, “I don’t need a piece of paper to love you” is basically to say, “My love for you has not reached the marriage level.
Timothy J. Keller (The Meaning of Marriage: Facing the Complexities of Commitment with the Wisdom of God)
The average monthly student loan payment for someone in their twenties is $351.15 If that student avoided student loans, started his or her career without that payment, and invested that $351 into a mutual fund every month instead, they’d have almost $3 million by age 65.16
Chris Hogan (Everyday Millionaires: How Ordinary People Built Extraordinary Wealth—and How You Can Too)
Is there someone who passively watches his children growing up? We constantly and maximally invest ourselves into our children to realize our vision of happiness. But not for us - for those children. It’s not enough that we molest ourselves, so we have to molest the children as well…
Ruben Papian
Late in the evening, someone in the White House decided to vent to Ben Smith: 'A senior White House official just called me with a very pointed message for the administration's sometime allies in organized labor, who invested heavily in beating Blanche Lincoln, Obama's candidate, in Arkansas. "Organized labor just flushed $10 million of their members' money down the toilet on a pointless exercise," the official said. "If even half that total had been well-targeted and applied in key House races across this country, that could have made a real difference in November."' Boy, good thing for this source there's no member of Obama's staff who's known for blowing his stack and venting furiously at political defeats. I'll bet he was pounding the desk like a battering Rahm and that he threw out the E-manual on how to talk to the press when he did it.
Jim Geraghty
If you allow someone else to convert more time than you in your chosen territory, you automatically become a servant or a second class citizen in that territory and whoever it is who converted more time than you in that territory becomes your king and will lord it over you in that territory.
Sunday Adelaja (How To Become Great Through Time Conversion: Are you wasting time, spending time or investing time?)
To model procrastination—where someone really does intend to do something, just not right now—involves not merely a discount on future enjoyments, but a more subtle problem of time inconsistency, of thinking that what is too onerous in the present will somehow be easier to endure in the future.
Spitznagel, Mark (The Dao of Capital: Austrian Investing in a Distorted World)
There's one big difference between the poor and the rich,' Kite says, taking a drag from his cigarette. We are in a pub, at lunch-time. John Kite is always, unless stated otherwise, smoking a fag, in a pub, at lunch-time. 'The rich aren't evil, as so many of my brothers would tell you. I've known rich people -- I have played on their yachts -- and they are not unkind, or malign, and they do not hate the poor, as many would tell you. And they are not stupid -- or at least, not any more than the poor are. Much as I find amusing the idea of a ruling class of honking toffs, unable to put their socks on without Nanny helping them, it is not true. They build banks, and broker deals, and formulate policy, all with perfect competency. 'No -- the big difference between the rich and the poor is that the rich are blithe. They believe nothing can ever really be so bad, They are born with the lovely, velvety coating of blitheness -- like lanugo, on a baby -- and it is never rubbed off by a bill that can't be paid; a child that can't be educated; a home that must be left for a hostel, when the rent becomes too much. 'Their lives are the same for generations. There is no social upheaval that will really affect them. If you're comfortably middle-class, what's the worst a government policy could do? Ever? Tax you at 90 per cent and leave your bins, unemptied, on the pavement. But you and everyone you know will continue to drink wine -- but maybe cheaper -- go on holiday -- but somewhere nearer -- and pay off your mortgage -- although maybe later. 'Consider, now, then, the poor. What's the worst a government policy can do to them? It can cancel their operation, with no recourse to private care. It can run down their school -- with no escape route to a prep. It can have you out of your house and into a B&B by the end of the year. When the middle-classes get passionate about politics, they're arguing about their treats -- their tax breaks and their investments. When the poor get passionate about politics, they're fighting for their lives. 'Politics will always mean more to the poor. Always. That's why we strike and march, and despair when our young say they won't vote. That's why the poor are seen as more vital, and animalistic. No classical music for us -- no walking around National Trust properties, or buying reclaimed flooring. We don't have nostalgia. We don't do yesterday. We can't bear it. We don't want to be reminded of our past, because it was awful; dying in mines, and slums, without literacy, or the vote. Without dignity. It was all so desperate, then. That's why the present and the future is for the poor -- that's the place in time for us: surviving now, hoping for better, later. We live now -- for our instant, hot, fast treats, to prep us up: sugar, a cigarette, a new fast song on the radio. 'You must never, never forget, when you talk to someone poor, that it takes ten times the effort to get anywhere from a bad postcode, It's a miracle when someone from a bad postcode gets anywhere, son. A miracle they do anything at all.
Caitlin Moran (How to Build a Girl (How to Build a Girl, #1))
One of my greatest fears is family decline.There’s an old Chinese saying that “prosperity can never last for three generations.” I’ll bet that if someone with empirical skills conducted a longitudinal survey about intergenerational performance, they’d find a remarkably common pattern among Chinese immigrants fortunate enough to have come to the United States as graduate students or skilled workers over the last fifty years. The pattern would go something like this: • The immigrant generation (like my parents) is the hardest-working. Many will have started off in the United States almost penniless, but they will work nonstop until they become successful engineers, scientists, doctors, academics, or businesspeople. As parents, they will be extremely strict and rabidly thrifty. (“Don’t throw out those leftovers! Why are you using so much dishwasher liquid?You don’t need a beauty salon—I can cut your hair even nicer.”) They will invest in real estate. They will not drink much. Everything they do and earn will go toward their children’s education and future. • The next generation (mine), the first to be born in America, will typically be high-achieving. They will usually play the piano and/or violin.They will attend an Ivy League or Top Ten university. They will tend to be professionals—lawyers, doctors, bankers, television anchors—and surpass their parents in income, but that’s partly because they started off with more money and because their parents invested so much in them. They will be less frugal than their parents. They will enjoy cocktails. If they are female, they will often marry a white person. Whether male or female, they will not be as strict with their children as their parents were with them. • The next generation (Sophia and Lulu’s) is the one I spend nights lying awake worrying about. Because of the hard work of their parents and grandparents, this generation will be born into the great comforts of the upper middle class. Even as children they will own many hardcover books (an almost criminal luxury from the point of view of immigrant parents). They will have wealthy friends who get paid for B-pluses.They may or may not attend private schools, but in either case they will expect expensive, brand-name clothes. Finally and most problematically, they will feel that they have individual rights guaranteed by the U.S. Constitution and therefore be much more likely to disobey their parents and ignore career advice. In short, all factors point to this generation
Amy Chua (Battle Hymn of the Tiger Mother)
But what slayed Robert was that for all these years, all his adult life, he'd never believed in relationships and commitment. They were highly overrated as far as he was concerned. Some people's entire lives revolved around love...finding it, keeping it. People had written poetry about it, had sacrificed for it, had even died for it. And he'd never been able to understand why. Why would anyone want to invest themselves in such a fickle emotion that sounded too good to be true because it was too good to be true. When the going got tough, even when someone claimed to love and be committed to the people in their lives, they really only honored that commitment when things were good.
M.L. Rhodes (Satisfaction (Passion, #2))
What went wrong was their rejection of basic bedrock principles of investing—that high returns are leg-shackled to high risks; that you should never put all your eggs in one basket; that you should never invest in something you cannot understand. They failed to see that no one should hand all their money over to anyone simply because they trust him, or because someone they admire trusts him.
Diana B. Henriques (The Wizard of Lies: Bernie Madoff and the Death of Trust)
It occurred to him now to ask himself if this was how it happened : was it possible that the mere fact of using one's hands and investing one's attention in someone other than oneself, created a pride and tenderness that had nothing whatever to do with the response of the object of one's care - just as a craftsman's love for his handiwork is in no way diminished by the fact of it being unreciprocated?
Amitav Ghosh (Sea of Poppies (Ibis Trilogy, #1))
I've always found the thousand dollar dinners more unsettling than the twenty-five-thousand dollar ones --- if someone pays the Republican National Committee twenty-five thousand dollars (or, more likely, fifty per couple) to breathe the same air as Charlie for an hour or two, then it's clear the person has money to spare. What breaks my heart is when it's apparent through their accent or attire that a person isn't well off but has scrimped to attend an event with us. We're not worth it! I want to say. You should have paid off your credit-card bill, invested in your grandchild's college fund, taken a vacation to the Ozarks. Instead, in a few weeks, they receive in the mail a photo with one or both of us, signed by an autopen, which they can frame so that we might grin out into their living room for years to come.
Curtis Sittenfeld (American Wife)
He also found he made mistakes in handling complexity. A good decision requires looking at so many different features of companies in so many ways that, even without the cocaine brain, he was missing obvious patterns. His mental checklist wasn’t good enough. “I am not Warren,” he said. “I don’t have a 300 IQ.” He needed an approach that could work for someone with an ordinary IQ. So he devised a written checklist.
Atul Gawande (The Checklist Manifesto: How to Get Things Right)
That’s why time-friendly people tend to make fewer emotional commitments than my friend Bernard does. They have a profound understanding of how much time it takes to be there for someone, so they think, deliberate, and pray long and hard before they decide to invest in a relationship. You might think they’re aloof or uncaring. They’re not. They are, instead, unwilling to write bad checks, emotionally speaking. Another friend, Pamela, recently passed the time test with flying colors. We’ve known each other a long time, and I needed her input on a big decision I was making. I knew she was busy, but I called her anyway, asking, “Can we do lunch?” Pamela lives quite a drive away, but she checked her calendar (another trait of safe people!), and we made an appointment. A few days later, we met, and I told her how much it meant to me for her to take the time out for me. She was genuinely surprised. “Well, I told you I’d be here, didn’t I?” Tears came to my eyes. For Pamela, a relationship means that you’re there for good. End of conversation. Look for people who are “anchored” over time. Don’t go for flashy, intense, addictive types. A Ford that will be there tomorrow is a lot better than a Maserati that might be gone. There are stable Maseratis. But it’s best to drive them awhile, that is, test out the relationship over time, to make sure.
Henry Cloud (Safe People: How to Find Relationships That Are Good for You and Avoid Those That Aren't)
Because you do it out of passion, as well as hoping it will bring better opportunity. It's like you're investing in yourself, so although you don't see anything up front there's always the possibility that the kind of compensation that is priceless can come later. For someone who's striving to get where they're meant to be, opportunity over a quick buck is something that will always be taken by the wise. Because they know opportunity is king, and all other benefits will follow...
Rico Lamoureux (Power Of The Pen)
When someone chooses not to understand you, despite your best efforts, you may want to examine whether they are not getting what you are saying or if they simply don’t want to understand you. If it is the latter, Life is so much simpler for both of you – there is no need to invest any more time and energy in striving for that understanding. The brutal truth that you often fail to confront is the fact that someone who is keen not to understand you, perhaps never will, no matter how hard you try!
AVIS Viswanathan
Progressives want to take over all the major industries, from education to health care to energy to automobiles to investment banking to real estate. From Wall Street to Silicon Valley, they want, as my fellow inmates like to say, “the whole enchilada.” This is not to say that progressives intend to seize all that wealth, but they do want to control it. Progressives generally can’t create wealth, so they seek to take it over once it has been created by someone else. They do this through the various agencies of government, such as the IRS, the FBI, the EPA, the FCC, the FDA, the BLM, and HHS. Certainly progressive leaders intend to become fantastically rich while pretending to serve the public good—look at the way the Obamas and the Clintons live—but their ultimate goal isn’t just money: it is also power. Progressives like Obama and Hillary want to wrest control of the levers of society so that they can run things for their own benefit, and do what they want without restraint, above the law.
Dinesh D'Souza (Stealing America: What My Experience with Criminal Gangs Taught Me about Obama, Hillary, and the Democratic Party)
The mission that God has given us is a highly relational mission. Jesus said, "As the Father has sent me, I am sending you" John 20:21. Jesus came into this world, lived in obscurity for 30 years and then spent three years relationally investing in twelve men, whose charge was to do the same thing by relationally investing in others. This strategy has worked for 2000 years each of us has been touched by someone reaching out to and investing in us relationally, thus advancing the gospel and the mission of God.
Gary Rohrmayer (First Steps for Planting a Missional Church)
The presumption that a high rate of continuous economic growth is possible puts a premium on investment in the sorts of institutions and conditions that facilitate such growth, like political stability, property rights, technology, and scientific research. On the other hand, if we assume that there are only limited possibilities for productivity improvements, then societies are thrown into a zero-sum world in which predation, or the taking of resources from someone else, is often a far more plausible route to power and wealth.
Francis Fukuyama (The Origins of Political Order: From Prehuman Times to the French Revolution)
We have to be clear about what it means to help the people God has placed in our lives. We gravitate toward solutions that are quick and easy. When it comes to helping people, we often address the surface level of the problem but never get down to the heart of the matter. When someone is grieving, we might hand him a book that helped us in a difficult moment. But how many of us would take the time to really invest in his life? Would we listen on a consistent basis and offer help whenever we find a need that we are able to meet?
Francis Chan (Multiply: Disciples Making Disciples)
We habitually compare ourselves to others to a debilitating degree, believing our successes can only be captured by how much we've outpaced someone else. We deal in acceptable ideas. We disregard our own capabilities. We waste a lot of time and emotion on what everyone else is doing well or badly, when we should be investing in and celebrating ourselves. And sometimes we simply forget that we like our own company, or that we love things for our own, deeply personal, individualistic reasons. In short, we forget ourselves, and how to be alone.
Stacey May Fowles (Baseball Life Advice)
I once read about this interrogation tactic in which you break the person's will in steps so small they don't even realize it's happening. Here's how it works: Imagine a suspect sitting in a police station, refusing to talk. Ask them something about the crime, they're going to stay silent. But, instead, ask them if they'd like a glass of water and they're likely to answer. Because not answering a simple question like that seems unreasonable -- it's a question unconnected to the reason they're at the police station, so what's the harm? Except now they've broken their vow not to speak. So getting them to break it again isn't as difficult. It's no longer about whether the suspect is going to talk or not, it's about what information the suspect will be willing to share. Suddenly, the playing field has shifted. It's like this: Ask someone to run a marathon, and they're likely to say no. But ask them to take one step and they usually will. Because taking that one step is no big deal. Then ask them to take another step and same thing. And once they've taken a dozen steps they're invested. You can get them through an entire marathon that way.
Carrie Ryan (Daughter of Deep Silence)
If you're anything like me, you don't make up your mind about important issues by doing original research, pounding over primary sources and coming to your own conclusions; you listen to people who claim to know what they're talking about - "experts" - and try to determine which of them is more credible. You do your best to gauge who's authentically well-informed and unbiased, who has an agenda and what it is - who's a corporate flack, a partisan hack, or a wacko. I believe that global warming is real and anthropogenic not because I've personally studied Antarctic ice core samples or run my own computer climate models, but because all the people who support the theory are climatologists with no evident investment in the issue, and all the people who dismiss it as alarmist claptrap are shills of the petro-chemical industry or just seem to like debunking things, from the Holocaust to the moon landing. We put our trust - our votes, our money, sometimes our lives - in someone else's authority. In other words, most of us decide not what to believe but whom to believe. And I say believe because for most people, such decisions are matters of faith rather than reason.
Tim Kreider (We Learn Nothing)
Excerpt from page 113 [On Malaysia's Prime Minster's anti-capitalism and anti-globalization policies in September 1997] "Ah, excuse me, Mahathir, but what planet are you living on? You talk about participating in globalization as if it were a choice you had. Globalization isn't a choice. It's a reality. There is just one global market today, and the only way you can grown at the speed your people want to grow is by tapping into the global stock and bond markets, by seeking out multinationals to invest in your country and by selling into the global trading systems what your factories produce. And the most basic truth about globalization is: No one is in charge. You keep looking for someone to complain to, someone to take the heat off your markets, someone to blame. Well, guess what, Mahathir, there's no one on the other end of the phone!" "The Electronic Heard cuts no one any slack... The herd is not infallible. It makes mistakes too. It overreacts and it overshoots. But if your fundamentals are basically sound, the herd will eventually recognize this and come back. They herd is never stupid for too long. In the end, it always responds to good governance and good economic management.
Thomas L. Friedman (The Lexus and the Olive Tree)
However, the typical representation of an investor is someone who mostly looks at prices when planning his or her actions; price-only investors tend to underperform value investors. Effective investors, on the other hand, think like businesspeople, allocating capital within the firm to projects with high expected returns. Allocators—individuals making calculated capital allocations to projects or firms—play a vital role in growing the economy for us all by directing resources to the most effective value-creating organizations. We would all be better off if more investors thought like allocators.
Nick Gogerty (The Nature of Value: How to Invest in the Adaptive Economy)
The idea that someone could, or would want to, experience uninterrupted happiness over a period of days, let alone years, is ludicrous. Anyone who feels pleasant and bubbly all the time is either mentally disabled or hooked on crack. Money, on the other hand, is steady. You can spend it, invest it or light a little bit on fire in an intern’s ass. Either way, money gets to sleep over. Money is a resource that makes it easier for you to find your purpose and achieve your goals, not because you are buying happiness, but because you are eliminating the desperation that drains happiness and distracts you from your purpose.
Ari Gold (The Gold Standard: Rules to Rule By)
The average American watches more than four hours of TV each day. In a 65-year life, that person will have spent nine years glued to the tube. Why? Simple. Life sucks. Life needs an escape. Life is no good. Show me someone who spends hours online playing Mafia Wars or Farmville, and I'll show you someone who probably isn't very successful. When life sucks, escapes are sought. I don't need television because I invested my time into a real life worth living, not a fictitious escape that airs every Tuesday night at 8 p.m. Again, majority thinking yields mediocrity, and for that majority, time is an asset that is undervalued and mindlessly squandered.
M.J. DeMarco (The Millionaire Fastlane: Crack the Code to Wealth and Live Rich for a Lifetime!)
Someone once asked Gandhi for a sermon, and his reply was, “My life is my sermon.” In the same way, we see how Jesus chose to live his adult life as perhaps one of his most potent sermons of all. While our contemporary Christian culture places value on the unholy trinity of buildings, bodies, and bucks, Jesus—the wisest teacher who ever lived and central figure in human history—was a homeless man who instead lived his life investing in authentic community with twelve close friends. We see them wrestle with the radical nature of his message together, share meals together, serve the poor and hungry together, and share life’s burdens with one another.
Benjamin L. Corey (Undiluted: Rediscovering the Radical Message of Jesus)
Most firms are looking for people who will stay up until three A.M. seven nights a week making slides for a partner who goes home to Wellesley for dinner every night at five P.M.—and who will do so thinking that they’re ‘winning.’ Look at it this way: most firms assume that you’ll leave for law school or business school within three years, and they invest in your training accordingly. Quality mentoring when you’re young is worth whatever you pay for it. Sometimes that means less money, sometimes that means less of a life beyond work. But quality mentoring is not going to be delivered by someone who is twenty-six, and just one tidal cycle ahead of you.
Marina Keegan (The Opposite of Loneliness: Essays and Stories)
Many energy companies will use models to value assets with lifetimes of 20 years or longer—things like power plants, pipelines, and natural gas wells. Even if the model was sufficient when first developed, it can still fail before its lifetime is up. Assumptions made 15 years earlier are often invalidated due to regulatory changes, population shifts, and technological changes. Exacerbating this problem is the problem of employee turnover—commonly, the original developers of the models have moved to other jobs when problems develop. After a number of years, organizations need to take steps to ensure that someone still understands every model that is in production.
Davis W. Edwards (Energy Trading and Investing: Trading, Risk Management and Structuring Deals in the Energy Market)
Entering the office, Evie found Sebastian and Cam on opposite sides of the desk. They both mulled over account ledgers, scratching out some entries with freshly inked pens, and making notations beside the long columns. Both men looked up as she crossed the threshold. Evie met Sebastian’s gaze only briefly; she found it hard to maintain her composure around him after the intimacy of the previous night. He paused in mid-sentence as he stared at her, seeming to forget what he had been saying to Cam. It seemed that neither of them was yet comfortable with feelings that were still too new and powerful. Murmuring good morning to them both, she bid them to remain seated, and she went to stand beside Sebastian’s chair. “Have you breakfasted yet, my lord?” she asked. Sebastian shook his head, a smile glinting in his eyes. “Not yet.” “I’ll go to the kitchen and see what is to be had.” “Stay a moment,” he urged. “We’re almost finished.” As the two men discussed a few last points of business, which pertained to a potential investment in a proposed shopping bazaar to be constructed on St. James Street, Sebastian picked up Evie’s hand, which was resting on the desk. Absently he drew the backs of her fingers against the edge of his jaw and his ear while contemplating the written proposal on the desk before him. Although Sebastian was not aware of what the casual familiarity of the gesture revealed, Evie felt her color rise as she met Cam’s gaze over her husband’s downbent head. The boy sent her a glance of mock reproof, like that of a nursemaid who had caught two children playing a kissing game, and he grinned as her blush heightened further. Oblivious to the byplay, Sebastian handed the proposal to Cam, who sobered instantly. “I don’t like the looks of this,” Sebastian commented. “It’s doubtful there will be enough business in the area to sustain an entire bazaar, especially at those rents. I suspect within a year it will turn into a white elephant.” “White elephant?” Evie asked. A new voice came from the doorway, belonging to Lord Westcliff. “A white elephant is a rare animal,” the earl replied, smiling, “that is not only expensive but difficult to maintain. Historically, when an ancient king wished to ruin someone he would gift him with a white elephant.” Stepping into the office, Westcliff bowed over Evie’s hand and spoke to Sebastian. “Your assessment of the proposed bazaar is correct, in my opinion. I was approached with the same investment opportunity not long ago, and I rejected it on the same grounds.” “No doubt we’ll both be proven wrong,” Sebastian said wryly. “One should never try to predict anything regarding women and their shopping.
Lisa Kleypas (Devil in Winter (Wallflowers, #3))
8 second hug: Yes, eight seconds is a long time, and no, I am not recommending giving everyone an eight second hug. The shell we put up or mask we hide behind is made up of what we think logically think will keep us emotionally safe. Intuition is not fooled by shells or masks, intuition which is non-verbal communication bypasses whatever façade we put up, so that hearts can connect. This makes us feel vulnerable, because we can’t hide out hopes and fears from being seen from other people’s intuition. We may not remember the last time we felt an overwhelming feeling of belonging, but likely it was when we were the most vulnerable; like being held as a newly born infant, not aware that we were naked, and nothing we could do about it even if we did know, being held tightly in someone’s arms who completely loved us. It may not have been a parent or grandparent holding the newborn us, but if it wasn’t, for sure it was the nurse there at the delivery, responding to our cry to be held. We resist the one thing that allows someone into our life—vulnerability, by cutting off the intuitions communication which is non-verbal. We often avoid eye contact, avoid letting people see us cry, and avoid allowing ourselves to be held. I wish I had known earlier in life, what C.S. Lewis put so well in his book The Four Loves, “There is no safe investment. To love at all is to be vulnerable. Love anything and your heart will be wrung and possibly broken. If you want to make sure of keeping it intact you must give it to no one, not even an animal. Wrap it carefully round with hobbies and little luxuries; avoid all entanglements. Lock it up safe in the casket or coffin of your selfishness. But in that casket, safe, dark, motionless, airless, it will change. It will not be broken; it will become unbreakable, impenetrable, irredeemable. To love is to be vulnerable.” We live in a world of alphas, where we all want to prove we are worthy to be held by proving we can hold ourselves. When we hug what is said intuitively is, “I will hold your pieces together so you don’t have to worry about falling apart. Take a rest in my arms for a moment and remember that you are loved.” When we hug someone, at about eight seconds on average there is a deeper breath in and then an exhale as our body actually relaxes. You can definitely feel it, we are rigid, and then we melt. Don’t count while you are hugging, but if it is longer than about eight seconds before the other person relaxes, then they are really stressed out, and scared everything will crumble if they relax. If it is less than about five seconds, that means something else, not something consistent enough to be able to diagnose similar to taking longer to relax. You’ll just actually have to communicate and figure it out with the person. The non-verbal communication of a hug or eye contact should precede the verbal communication of words. I would venture a bet that most marriages struggling don’t meet each other after work with at least an eight second hug before they ask how their day was. We shouldn’t expect words to be able to describe emotions, especially when we can just look someone in the eyes and then hug them and feel their emotion for ourselves. The part of hugging that is the best, is after we relax and allow ourselves to be loved, and so if our hugs with those we really love aren’t at least eight seconds, we are totally missing out.
Michael Brent Jones (Conflict and Connection: Anatomy of Mind and Emotion)
So it’s Alice’s fault that I never invested the appropriate time worrying about infertility. I never insured against it by worrying about it. I won’t make that mistake again. Now every day I remember to worry that Ben will die in a car accident on his way to work. I make sure I worry at regular intervals about Alice’s children—ticking off every terrible childhood disease: meningitis, leukemia. Before I go to sleep at night I worry that someone I love will die in the night. Every morning I worry that somebody I know will be killed in a terrorist attack that day. That means the terrorists have won, Ben tells me. He doesn’t understand that I’m fighting off the terrorists by worrying about them. It’s my own personal War on Terror. That
Liane Moriarty (What Alice Forgot)
Obviously, in those situations, we lose the sale. But we’re not trying to maximize each and every transaction. Instead, we’re trying to build a lifelong relationship with each customer, one phone call at a time. A lot of people may think it’s strange that an Internet company is so focused on the telephone, when only about 5 percent of our sales happen through the telephone. In fact, most of our phone calls don’t even result in sales. But what we’ve found is that on average, every customer contacts us at least once sometime during his or her lifetime, and we just need to make sure that we use that opportunity to create a lasting memory. The majority of phone calls don’t result in an immediate order. Sometimes a customer may be calling because it’s her first time returning an item, and she just wants a little help stepping through the process. Other times, a customer may call because there’s a wedding coming up this weekend and he wants a little fashion advice. And sometimes, we get customers who call simply because they’re a little lonely and want someone to talk to. I’m reminded of a time when I was in Santa Monica, California, a few years ago at a Skechers sales conference. After a long night of bar-hopping, a small group of us headed up to someone’s hotel room to order some food. My friend from Skechers tried to order a pepperoni pizza from the room-service menu, but was disappointed to learn that the hotel we were staying at did not deliver hot food after 11:00 PM. We had missed the deadline by several hours. In our inebriated state, a few of us cajoled her into calling Zappos to try to order a pizza. She took us up on our dare, turned on the speakerphone, and explained to the (very) patient Zappos rep that she was staying in a Santa Monica hotel and really craving a pepperoni pizza, that room service was no longer delivering hot food, and that she wanted to know if there was anything Zappos could do to help. The Zappos rep was initially a bit confused by the request, but she quickly recovered and put us on hold. She returned two minutes later, listing the five closest places in the Santa Monica area that were still open and delivering pizzas at that time. Now, truth be told, I was a little hesitant to include this story because I don’t actually want everyone who reads this book to start calling Zappos and ordering pizza. But I just think it’s a fun story to illustrate the power of not having scripts in your call center and empowering your employees to do what’s right for your brand, no matter how unusual or bizarre the situation. As for my friend from Skechers? After that phone call, she’s now a customer for life. Top 10 Ways to Instill Customer Service into Your Company   1. Make customer service a priority for the whole company, not just a department. A customer service attitude needs to come from the top.   2. Make WOW a verb that is part of your company’s everyday vocabulary.   3. Empower and trust your customer service reps. Trust that they want to provide great service… because they actually do. Escalations to a supervisor should be rare.   4. Realize that it’s okay to fire customers who are insatiable or abuse your employees.   5. Don’t measure call times, don’t force employees to upsell, and don’t use scripts.   6. Don’t hide your 1-800 number. It’s a message not just to your customers, but to your employees as well.   7. View each call as an investment in building a customer service brand, not as an expense you’re seeking to minimize.   8. Have the entire company celebrate great service. Tell stories of WOW experiences to everyone in the company.   9. Find and hire people who are already passionate about customer service. 10. Give great service to everyone: customers, employees, and vendors.
Tony Hsieh (Delivering Happiness: A Path to Profits, Passion, and Purpose)
The most significant transformational moment in my career was an act of elimination. It wasn’t my idea. I was in my late thirties and doing well flying around the country giving the same talk about organizational behavior to companies. I was on a lucrative treadmill of preserving, but I needed my mentor Paul Hersey to point out the downside. “You’re too good at what you’re doing,” Hersey told me. “You’re making too much money selling your day rate to companies.” When someone tells me I’m “too good” my brain shifts into neutral—and I bask in the praise. But Hersey wasn’t done with me. “You’re not investing in your future,” he said. “You’re not researching and writing and coming up with new things to say. You can continue doing what you’re doing for a long time. But you’ll never become the person you want to be.” For some reason, that last sentence triggered a profound emotion in me. I respected Paul tremendously. And I knew he was right. In Peter Drucker’s words, I was “sacrificing the future on the altar of today.” I could see my future and it had some dark empty holes in it. I was too busy maintaining a comfortable life. At some point, I’d grow bored or disaffected, but it might happen too late in the game for me to do something about it. Unless I eliminated some of the busywork, I would never create something new for myself. Despite the immediate cut in pay, that’s the moment I stopped chasing my tail for a day rate and decided to follow a different path. I have always been thankful for Paul’s advice.
Marshall Goldsmith (Triggers: Creating Behavior That Lasts--Becoming the Person You Want to Be)
This was my world: a world of truly irrational behavior. We spend our way into the poorhouse. We buy giant TVs and iPads. Our children wear nice clothes thanks to high-interest credit cards and payday loans. We purchase homes we don't need, refinance them for mare spending money, and declare bankruptcy, often leaving them full of garbage in our wake. Thrift is inimical to our being. We spend to pretend that we're upper-class. And when the dust clears--when bankruptcy hits or a family member bails us out of our stupidity--there's nothing left over. Nothing for the kids' college tuition, no investment to grow our wealth, no rainy-day fund if someone loses her job. We know we shouldn't spend like this. Sometimes we beat ourselves up over it, but we do it anyway.
J.D. Vance
This was my world: a world of truly irrational behavior. We spend our way into the poorhouse. We buy giant TVs and iPads. Our children wear nice clothes thanks to high-interest credit cards and payday loans. We purchase homes we don’t need, refinance them for more spending money, and declare bankruptcy, often leaving them full of garbage in our wake. Thrift is inimical to our being. We spend to pretend that we’re upper class. And when the dust clears — when bankruptcy hits or a family member bails us out of our stupidity — there’s nothing left over. Nothing for the kids’ college tuition, no investment to grow our wealth, no rainy-day fund if someone loses her job. We know we shouldn’t spend like this. Sometimes we beat ourselves up over it, but we do it anyway.
J.D. Vance
Operating from the idea that a relationship (or anything else) will somehow complete you, save you, or make your life magically take off is a surefire way to keep yourself unhappy and unhitched. Ironically, quite the opposite is true. What you really need to understand is that nothing outside of you can ever produce a lasting sense of completeness, security, or success. There’s no man, relationship, job, amount of money, house, car, or anything else that can produce an ongoing sense of happiness, satisfaction, security, and fulfillment in you. Some women get confused by the word save. In this context, what it refers to is the mistaken idea that a relationship will rid you of feelings of emptiness, loneliness, insecurity, or fear that are inherent to every human being. That finding someone to be with will somehow “save” you from yourself. We all need to wake up and recognize that those feelings are a natural part of the human experience. They’re not meaningful. They only confirm the fact that we are alive and have a pulse. The real question is, what will you invest in: your insecurity or your irresistibility? The choice is yours. Once you get that you are complete and whole right now, it’s like flipping a switch that will make you more attractive, authentic, and relaxed in any dating situation—instantly. All of the desperate, needy, and clingy vibes that drive men insane will vanish because you’ve stopped trying to use a relationship to fix yourself. The fact is, you are totally capable of experiencing happiness, satisfaction, and fulfillment right now. All you have to do is start living your life like you count. Like you matter. Like what you do in each moment makes a difference in the world. Because it really does. That means stop putting off your dreams, waiting for someday, or delaying taking action on those things you know you want for yourself because somewhere deep inside you’re hoping that Prince Charming will come along to make it all better. You know what I’m talking about. The tendency to hold back from investing in your career, your health, your home, your finances, or your family because you’re single and you figure those things will all get handled once you land “the one.” Psst. Here’s a secret: holding back in your life is what’s keeping him away. Don’t wait until you find someone. You are someone.
Marie Forleo (Make Every Man Want You: How to Be So Irresistible You'll Barely Keep from Dating Yourself!)
Along the way, I learned the Jewish concept of tikkun olam, which means 'the healing of the world' and is accomplished through presence in the midst of pain. It can be summarized in the phrase "I'm here with you and I love you" and is accomplished through simple acts of presence. It became a rallying cry for me in my work as a funeral director. Rachel Naomi Remen, in an interview with Krista Tippett, describes it as 'a collective task. It involves all people who have ever been born, all people presently alive, all people yet to be born. We are all healers of the world...It's not about healing the world by making a huge difference. It's about the world that touches you.' Presence and proximity before performance. As I took that to heart, I started to see small, everyday examples of tikkun olam everywhere. When a mother comforts a child, she's healing the world. Every time someone listens to another - deeply listens - she's healing the world. A nurse who bathes the weakened body of an elderly patient is healing the world. The teacher who invests herself in her students is healing the world. The plumber who makes the inner workings of a house run smoothly is healing the world. A funeral director who finds that he can heal the world even at his family's business. When we practice presence and proximity, we may not change anyone, we may not shift culture or move mountains, but it's a healing act, if for none other than ourselves. When we do our work with kindness - no matter what kind of work - if we're doing it with presence, we're practicing tikkun olam.
Caleb Wilde (Confessions of a Funeral Director: How the Business of Death Saved My Life)
Hypothetically, then, you may be picking up in someone a certain very strange type of sadness that appears as a kind of disassociation from itself, maybe, Love-o.’ ‘I don’t know disassociation.’ ‘Well, love, but you know the idiom “not yourself” — “He’s not himself today,” for example,’ crooking and uncrooking fingers to form quotes on either side of what she says, which Mario adores. ‘There are, apparently, persons who are deeply afraid of their own emotions, particularly the painful ones. Grief, regret, sadness. Sadness especially, perhaps. Dolores describes these persons as afraid of obliteration, emotional engulfment. As if something truly and thoroughly felt would have no end or bottom. Would become infinite and engulf them.’ ‘Engulf means obliterate.’ ‘I am saying that such persons usually have a very fragile sense of themselves as persons. As existing at all. This interpretation is “existential,” Mario, which means vague and slightly flaky. But I think it may hold true in certain cases. My own father told stories of his own father, whose potato farm had been in St. Pamphile and very much larger than my father’s. My grandfather had had a marvelous harvest one season, and he wanted to invest money. This was in the early 1920s, when there was a great deal of money to be made on upstart companies and new American products. He apparently narrowed the field to two choices — Delaware-brand Punch, or an obscure sweet fizzy coffee substitute that sold out of pharmacy soda fountains and was rumored to contain smidgeons of cocaine, which was the subject of much controversy in those days. My father’s father chose Delaware Punch, which apparently tasted like rancid cranberry juice, and the manufacturer of which folded. And then his next two potato harvests were decimated by blight, resulting in the forced sale of his farm. Coca-Cola is now Coca-Cola. My father said his father showed very little emotion or anger or sadness about this, though. That he somehow couldn’t. My father said his father was frozen, and could feel emotion only when he was drunk. He would apparently get drunk four times a year, weep about his life, throw my father through the living room window, and disappear for several days, roaming the countryside of L’Islet Province, drunk and enraged.’ She’s not been looking at Mario this whole time, though Mario’s been looking at her. She smiled. ‘My father, of course, could himself tell this story only when he was drunk. He never threw anyone through any windows. He simply sat in his chair, drinking ale and reading the newspaper, for hours, until he fell out of the chair. And then one day he fell out of the chair and didn’t get up again, and that was how your maternal grandfather passed away. I’d never have gotten to go to University had he not died when I was a girl. He believed education was a waste for girls. It was a function of his era; it wasn’t his fault. His inheritance to Charles and me paid for university.’ She’s been smiling pleasantly this whole time, emptying the butt from the ashtray into the wastebasket, wiping the bowl’s inside with a Kleenex, straightening straight piles of folders on her desk.
David Foster Wallace (Infinite Jest)
Teachers in general face common problems of practice. Their professional success depends on their ability to motivate an involuntary group of students to learn what the teacher is teaching. In an effort to accomplish this, teachers invest heavily in developing a teaching persona that enables them to establish a relationship with students and lure them to learn. Once they have worked out a personal approach for managing the instruction of students within the walls of their classroom, they are likely to resist vigorously any effort by reformers or administrators or any other intruders to transform their approach to teaching. Teacher resistance to fundamental instructional reform is grounded in a deep personal investment in the way they teach and a sense that tinkering with this approach could threaten their very ability to manage a class (much less teach a particular curriculum) effectively.
David Labaree (Someone Has to Fail: The Zero-Sum Game of Public Schooling)
During the year we interviewed him, Dr. South spent more than $70,000 for his most recent motor vehicle purchase, related sales tax, and insurance. Yet for the same period, how much did he place in his pension plan? About $5,700! In other words, only about $1 in every $125 of his income was set aside for retirement. The amount of time Dr. South took to find the best deal on his car was also counterproductive. We estimated that it took him more than sixty hours to study, negotiate, and purchase his Porsche. How much time and effort does it take someone to place money in a pension plan? A small fraction of this time and energy. It is easy for Dr. South to say he wants to accumulate wealth, but his actions speak much louder than his words. Perhaps that explains why he has lost a considerable amount of wealth through imprudent investing. Investing when one has little or no intellectual basis for one’s decisions often translates into major losses. T
Thomas J. Stanley (The Millionaire Next Door: The Surprising Secrets of America's Wealthy)
The first finding that jumped out at us was that it is possible to learn too much ! In the tournament, investing lots of time in learning was not at all effective. In fact, we found a strong negative correlation between the proportion of a strategy's moves that were INNOVATE or OBSERVE, as opposed to EXPLOIT, and how well the strategy performed. Successful strategies spent only a small fraction of their time (5-10%) learning, and the bulk of their time caching in on what they had learned, through playing EXPLOIT. Only through playing EXPLOIT can a strategy directly accrue fitness. Hencem every time a strategy chooses to learn new behavior, be it through playing INNOVATE or OBSERVE, there is a cost corresponding to the payoff that would have been received had EXPLOIT been played instead. This implied that the way to get on in life was to do a very quick bit of learning and then EXPLOIT, EXPLOIT, EXPLOIT until you die. That is a sobering lesson for someone like myself who has spent his whole life in school or university.
Kevin N. Laland (Darwin's Unfinished Symphony: How Culture Made the Human Mind)
Once you have a short list of your top five strengths, try referring to this list when you have a problem you need to overcome. For example, if your strength is resourcefulness, then remember this strength when you need to solve a problem. To increase your psychological flexibility, try applying your strengths in new ways compared to how you’d usually apply them. For example, if you’d usually apply your resourcefulness to figuring out how to do a task yourself, try using your resourcefulness to find someone you could outsource that work to. If you’d usually apply your strength of conscientiousness to doing a task extremely thoroughly, try applying your conscientiousness to limiting the amount of time and energy you invest in the task and sticking to that limit. Experiment: List your top five strengths as a person. Since you’re free to revise your list at any points (it’s yours after all), don’t get too perfectionist about it. Once you have your list, identify a task you currently need to do. How could you apply one of your top five strengths to approach that task in a new way?
Alice Boyes (The Anxiety Toolkit: Strategies for Fine-Tuning Your Mind and Moving Past Your Stuck Points)
This (the tendency to revive the old, and just stay with the old) is true not just of Habad but of Hassidim in generally, whether they are in Williamsburg or Mea She’arim. They are pouring all their energies into reliving an anachronism, so much so that there is no energy left over to live in the present. This attempt at living out an anachronism prevents them, not only from interchanging with the world around them, but even from praying properly, or studying, let alone from perceiving the presence of their children or their wives.” (SS: understanding what they need in the presence time and generation). “I’m not anti-tradition. On the contrary, I’ll use anything that will help me get off. I’ve got a great deal invested in the materials of civilization, like language and vocabulary - booba, zeida, cholent, tallis - they’re deeply embedded in the core of my brain, attached to my thalamus, not to the cortex. It would be foolish to deny that they’re not part of my make-up. But, if someone says that I must believe in the God who was active at the time of Moses, or Yohannan ben Zakai, or the Baal Shem Tov, my answer is no.
Zalman Schachter-Shalomi
To the untrained eye, the Wall Street people who rode from the Connecticut suburbs to Grand Central were an undifferentiated mass, but within that mass Danny noted many small and important distinctions. If they were on their BlackBerrys, they were probably hedge fund guys, checking their profits and losses in the Asian markets. If they slept on the train they were probably sell-side people—brokers, who had no skin in the game. Anyone carrying a briefcase or a bag was probably not employed on the sell side, as the only reason you’d carry a bag was to haul around brokerage research, and the brokers didn’t read their own reports—at least not in their spare time. Anyone carrying a copy of the New York Times was probably a lawyer or a back-office person or someone who worked in the financial markets without actually being in the markets. Their clothes told you a lot, too. The guys who ran money dressed as if they were going to a Yankees game. Their financial performance was supposed to be all that mattered about them, and so it caused suspicion if they dressed too well. If you saw a buy-side guy in a suit, it usually meant that he was in trouble, or scheduled to meet with someone who had given him money, or both. Beyond that, it was hard to tell much about a buy-side person from what he was wearing. The sell side, on the other hand, might as well have been wearing their business cards: The guy in the blazer and khakis was a broker at a second-tier firm; the guy in the three-thousand-dollar suit and the hair just so was an investment banker at J.P. Morgan or someplace like that. Danny could guess where people worked by where they sat on the train. The Goldman Sachs, Deutsche Bank, and Merrill Lynch people, who were headed downtown, edged to the front—though when Danny thought about it, few Goldman people actually rode the train anymore. They all had private cars. Hedge fund guys such as himself worked uptown and so exited Grand Central to the north, where taxis appeared haphazardly and out of nowhere to meet them, like farm trout rising to corn kernels. The Lehman and Bear Stearns people used to head for the same exit as he did, but they were done. One reason why, on September 18, 2008, there weren’t nearly as many people on the northeast corner of Forty-seventh Street and Madison Avenue at 6:40 in the morning as there had been on September 18, 2007.
Michael Lewis (The Big Short)
For years the financial services have been making stock-market forecasts without anyone taking this activity very seriously. Like everyone else in the field they are sometimes right and sometimes wrong. Wherever possible they hedge their opinions so as to avoid the risk of being proved completely wrong. (There is a well-developed art of Delphic phrasing that adjusts itself successfully to whatever the future brings.) In our view—perhaps a prejudiced one—this segment of their work has no real significance except for the light it throws on human nature in the securities markets. Nearly everyone interested in common stocks wants to be told by someone else what he thinks the market is going to do. The demand being there, it must be supplied. Their interpretations and forecasts of business conditions, of course, are much more authoritative and informing. These are an important part of the great body of economic intelligence which is spread continuously among buyers and sellers of securities and tends to create fairly rational prices for stocks and bonds under most circumstances. Undoubtedly the material published by the financial services adds to the store of information available and fortifies the investment judgment of their clients.
Benjamin Graham (The Intelligent Investor)
Question the Thought “Failure is Just for Losers” A failure-related thinking error that anxious perfectionists sometimes make is thinking that failure is just for losers. If you have this thinking bias, try this thought experiment: Experiment: Think of a highly successful person you admire. It can be anyone, from Oprah to someone you actually know. What failures has this person experienced in areas where he or she is generally successful? Has a businessperson you admire made some bad investments? Has your favorite actor made a movie that lost money? Has your favorite musician had an album flop? You may be able to think of examples and failures off the top of your head, or you may need to do some online research or read a biography of that person. Make sure the examples are relevant to the person’s core domain of success. A superstar chef opening a restaurant and failing is more relevant than an actor opening a restaurant and failing. After you’ve done the thought experiment, ask yourself, “What’s an alternative thought that’s more realistic and less harsh than ‘Failure is just for losers’?” Alternate option: Ask mentors (people you actually know) about examples of their failures. Ask them what they learned from the experiences. You could also ask your mentors for examples of failures that have happened to prominent people in your field. They might be more willing to volunteer this information than to talk about their own failures.
Alice Boyes (The Anxiety Toolkit: Strategies for Fine-Tuning Your Mind and Moving Past Your Stuck Points)
It isn’t really possible for men to understand how much the world doesn’t want women to be complete people. The most important thing a woman can be, in our society—more important, even, than honest or decent—is identifiable. Even when Libby’s evil—perhaps most of all when she’s evil—she’s easy to categorize, to stick to a board with a pin like some scientific specimen. Those men in Stillwater are terrified of her because being terrified lets them know who she is—it keeps them safe. Imagine how much harder it would be to say, yes, she’s a woman capable of terrible anger and violence, but she’s also someone who’s tried desperately to be a nurturer, to be a good and constructive human being. If you accept all that, if you allow that inside she’s not just one or the other, but both, what does that say about all the other women in town? How will you ever be able to tell what’s actually going on in their hearts—and heads? Life in the simple village would suddenly become immensely complicated. And so, to keep that from happening, they separate things. The normal, ordinary woman is defined as nurturing and loving, docile and compliant. Any female who defies that categorization must be so completely evil that she’s got to be feared, feared even more than the average criminal—she’s got to be invested with the powers of the Devil himself. A witch, they probably would have called her in the old days. Because she’s not just breaking the law, she’s defying the order of things.
Caleb Carr (The Angel of Darkness (Dr. Laszlo Kreizler, #2))
Richard Lovelace makes a compelling case that the best defense is a good offense. “The ultimate solution to cultural decay is not so much the repression of bad culture as the production of sound and healthy culture,” he writes. “We should direct most of our energy not to the censorship of decadent culture, but to the production and support of healthy expressions of Christian and non-Christian art.”10 Public protests and boycotts have their place. But even negative critiques are effective only when motivated by a genuine love for the arts. The long-term solution is to support Christian artists, musicians, authors, and screenwriters who can create humane and healthy alternatives that speak deeply to the human condition. Exploiting “Talent” The church must also stand against forces that suppress genuine creativity, both inside and outside its walls. In today’s consumer culture, one of the greatest dangers facing the arts is commodification. Art is treated as merchandise to market for the sake of making money. Paintings are bought not to exhibit, nor to grace someone’s home, but merely to resell. They are financial investments. As Seerveld points out, “Elite art of the New York school or by approved gurus such as Andy Warhol are as much a Big Business today as the music business or the sports industry.”11 Artists and writers have been reduced to “talent” to be plugged into the manufacturing process. That approach may increase sales, but it will suppress the best and highest forms of art. In the eighteenth century, the world nearly lost the best of Mozart’s music because the adults in the young man’s life treated him primarily as “talent” to exploit.
Nancy R. Pearcey (Saving Leonardo: A Call to Resist the Secular Assault on Mind, Morals, and Meaning)
The reasonable man adapts himself to the world; the unreasonable one persists in trying to adapt the world to himself. Therefore all progress depends on the unreasonable man.” George Bernard Shaw On a cool fall evening in 2008, four students set out to revolutionize an industry. Buried in loans, they had lost and broken eyeglasses and were outraged at how much it cost to replace them. One of them had been wearing the same damaged pair for five years: He was using a paper clip to bind the frames together. Even after his prescription changed twice, he refused to pay for pricey new lenses. Luxottica, the 800-pound gorilla of the industry, controlled more than 80 percent of the eyewear market. To make glasses more affordable, the students would need to topple a giant. Having recently watched Zappos transform footwear by selling shoes online, they wondered if they could do the same with eyewear. When they casually mentioned their idea to friends, time and again they were blasted with scorching criticism. No one would ever buy glasses over the internet, their friends insisted. People had to try them on first. Sure, Zappos had pulled the concept off with shoes, but there was a reason it hadn’t happened with eyewear. “If this were a good idea,” they heard repeatedly, “someone would have done it already.” None of the students had a background in e-commerce and technology, let alone in retail, fashion, or apparel. Despite being told their idea was crazy, they walked away from lucrative job offers to start a company. They would sell eyeglasses that normally cost $500 in a store for $95 online, donating a pair to someone in the developing world with every purchase. The business depended on a functioning website. Without one, it would be impossible for customers to view or buy their products. After scrambling to pull a website together, they finally managed to get it online at 4 A.M. on the day before the launch in February 2010. They called the company Warby Parker, combining the names of two characters created by the novelist Jack Kerouac, who inspired them to break free from the shackles of social pressure and embark on their adventure. They admired his rebellious spirit, infusing it into their culture. And it paid off. The students expected to sell a pair or two of glasses per day. But when GQ called them “the Netflix of eyewear,” they hit their target for the entire first year in less than a month, selling out so fast that they had to put twenty thousand customers on a waiting list. It took them nine months to stock enough inventory to meet the demand. Fast forward to 2015, when Fast Company released a list of the world’s most innovative companies. Warby Parker didn’t just make the list—they came in first. The three previous winners were creative giants Google, Nike, and Apple, all with over fifty thousand employees. Warby Parker’s scrappy startup, a new kid on the block, had a staff of just five hundred. In the span of five years, the four friends built one of the most fashionable brands on the planet and donated over a million pairs of glasses to people in need. The company cleared $100 million in annual revenues and was valued at over $1 billion. Back in 2009, one of the founders pitched the company to me, offering me the chance to invest in Warby Parker. I declined. It was the worst financial decision I’ve ever made, and I needed to understand where I went wrong.
Adam M. Grant (Originals: How Nonconformists Move the World)
You know, a government should be a good thing. The Anglo-Saxons and the Germans rejoice in the phenomenon of government. They think that the recipe for human happiness is that you should make your desires and actions concordant with those of the government. So a German and an American will try to make the government work for him, protect him, and he will be more than happy to murder to preserve that wonderful symbiosis. And if he has some money to invest, he will invest it in the government, buying government bonds. He does this regardless of whether his government happens to be trillions of dollars in debt—that is, practically bankrupt. Despite his rhetoric of private enterprise, a Westerner will invest in his government. And we, Eastern and Central Europeans, and particularly Slavs, we all consider our governments to be absolutely the worst in the world. We are ashamed of our governments, and, as a rule, our government is ashamed of us, trying to improve us statistically, to say that we work more and drink less than we do. We think that there's no greater obstacle to human happiness than the government. So even if we have an institution pregnant with democratic potential, such as workers' self-management, we never even bother to attend a meeting unless absolutely forced. And as for voting, we circle any name without looking at whose it is, out of spite. To a Slav, there is nothing more disgusting than voting. We have an aversion to investing trust in any human being. So how could we single out someone we haven't met but whom we know a priori to be a social upstart and climber? So we spend these workers' self-management meetings, where democracy could be practiced, in daydreams of sex and violence.
Josip Novakovich (April Fool's Day)
Two years before, the man had ended my reign. I had been the semel of a tribe of werepanthers, leader of the tribe of Menhit, and he had fought me in the pit and won. He could have cut out my heart with his claws, but instead… instead he offered the path to redemption. He opened his home, welcomed me into his tribe and into his life. I was trusted, my counsel heeded, my strength relied upon. It was a gift, the second coming of the friendship we had when we were young. I had worried that I would be consumed by bitterness and would turn on him, catch him unawares, betray him, and then kill him. But I had forgotten about my own heart. I loved Logan. Not like a lover, not with carnal intent, but—and it was so cliché—like the brother I never had. I wanted him back in my life more than I wanted to hurt him. I was a shitty leader: the selfish kind, the vindictive kind, the one everyone wished would just die already so they could get someone better, someone who cared at all. So when he beat me in the pit, absorbed my tribe, and took me in, I simply surrendered. Logan was a force of nature, and I had been so tired of fighting him, fighting his nobility and his ethics and his strength, that I let the bitterness go. No good had come from it. Time, instead, to try something new. Being his maahes, the prince of his tribe, had worked for me. I was easily the second in power. He made the decisions; I carried them out. He navigated; I drove. I was able to be his emissary because I was talking for him, not me. It was so easy. What came as a surprise was that I changed. I shed my anger, my vanity, and all the pain, and I became everything he’d always seen in me. The man’s faith had made me better, his day-to-day belief invested me in the future of the tribe, in the people, in growth and security and the welfare of all. I was different now, and I owed it all to my old friend, my new semel, Logan Church. So when he had gazed at me with his honey-colored eyes and told me he wanted me to reclaim my birthright, I couldn’t argue, because he believed. I could be, he said, not just a semel, but the semel, the semel-aten, the leader of the entire werepanther world. I would be able to lead those who wanted to follow me because of the changes I had experienced myself. I would be able to get through to those werepanthers who had lost their faith and their way. I would be a catalyst for change and restore prodigals to the fold, Logan was certain of it.
Mary Calmes (Crucible of Fate (Change of Heart, #4))
Switch from a Performance Focus to a Mastery Focus There’s a way to keep your standards high but avoid the problems that come from perfectionism. If you can shift your thinking from a performance focus to a mastery focus, you’ll become less fearful, more resilient, and more open to good, new ideas. Performance focus is when your highest priority is to show you can do something well now. Mastery focus is when you’re mostly concerned with advancing your skills. Someone with a mastery focus will think, “My goal is to master this skill set” rather than “I need to perform well to prove myself.” A mastery focus can help you persist after setbacks. To illustrate this, imagine the following scenario: Adam is trying to master the art of public speaking. Due to his mastery goal, he’s likely to take as many opportunities as he can to practice giving speeches. When he has setbacks, he’ll be motivated to try to understand these and get back on track. His mastery focus will make him more likely to work steadily toward his goal. Compare this with performance-focused Rob, who is concerned just with proving his competence each time he gives a talk. Rob will probably take fewer risks in his style of presentation and be less willing to step outside his comfort zone. If he has an incident in which a talk doesn’t go as well as he’d hoped, he’s likely to start avoiding public speaking opportunities. Mastery goals will help you become less upset about individual instances of failure. They’ll increase your willingness to identify where you’ve made errors, and they’ll help you avoid becoming so excessively critical of yourself that you lose confidence in your ability to rectify your mistakes. A mastery focus can also help you prioritize—you can say yes to things that move you toward your mastery goal and no to things that don’t. This is great if you’re intolerant of uncertainty, because it gives you a clear direction and rule of thumb for making decisions about which opportunities to pursue. Experiment: What’s your most important mastery goal right now? Complete this sentence: “My goal is to master the skills involved in ___.” Examples include parenting, turning more website visitors into buyers, property investment, or self-compassion. Based on the mastery goal you picked, answer the following questions. Make your answers as specific as possible. How would people with your mastery goal: 1. React to mistakes, setbacks, disappointments, and negative moods? 2. Prioritize which tasks they work on? What types of tasks would they deprioritize? 3. React when they’d sunk a lot of time into something and then realized a particular strategy or idea didn’t have the potential they’d hoped it would? 4. Ensure they were optimizing their learning and skill acquisition? 5. React when they felt anxious?
Alice Boyes (The Anxiety Toolkit: Strategies for Fine-Tuning Your Mind and Moving Past Your Stuck Points)
Cultivate Spiritual Allies One of the most significant things you learn from the life of Paul is that the self-made man is incomplete. Paul believed that mature manhood was forged in the body of Christ In his letters, Paul talks often about the people he was serving and being served by in the body of Christ. As you live in the body of Christ, you should be intentional about cultivating at least three key relationships based on Paul’s example: 1. Paul: You need a mentor, a coach, or shepherd who is further along in their walk with Christ. You need the accountability and counsel of more mature men. Unfortunately, this is often easier said than done. Typically there’s more demand than supply for mentors. Some churches try to meet this need with complicated mentoring matchmaker type programs. Typically, you can find a mentor more naturally than that. Think of who is already in your life. Is there an elder, a pastor, a professor, a businessman, or other person that you already respect? Seek that man out; let him know that you respect the way he lives his life and ask if you can take him out for coffee or lunch to ask him some questions — and then see where it goes from there. Don’t be surprised if that one person isn’t able to mentor you in everything. While he may be a great spiritual mentor, you may need other mentors in the areas of marriage, fathering, money, and so on. 2. Timothy: You need to be a Paul to another man (or men). God calls us to make disciples (Matthew 28:19). The books of 1st and 2nd Timothy demonstrate some of the investment that Paul made in Timothy as a younger brother (and rising leader) in the faith. It’s your job to reproduce in others the things you learn from the Paul(s) in your life. This kind of relationship should also be organic. You don’t need to approach strangers to offer your mentoring services. As you lead and serve in your spheres of influence, you’ll attract other men who want your input. Don’t be surprised if they don’t quite know what to ask of you. One practical way to engage with someone who asks for your input is to suggest that they come up with three questions that you can answer over coffee or lunch and then see where it goes from there. 3. Barnabas: You need a go-to friend who is a peer. One of Paul’s most faithful ministry companions was named Barnabas. Acts 4:36 tells us that Barnabas’s name means “son of encouragement.” Have you found an encouraging companion in your walk with Christ? Don’t take that friendship for granted. Enjoy the blessing of friendship, of someone to walk through life with. Make it a priority to build each other up in the faith. Be a source of sharpening iron (Proverbs 27:17) and friendly wounds (Proverbs 27:6) for each other. But also look for ways to work together to be disruptive — in the good sense of that word. Challenge each other in breaking the patterns of the world around you in order to interrupt it with the Gospel. Consider all the risky situations Paul and Barnabas got themselves into and ask each other, “what are we doing that’s risky for the Gospel?
Randy Stinson (A Guide To Biblical Manhood)
Honestly, sir,” I said, “I don’t see why you’re making such a fuss.” We had excused ourselves to speak privately for a moment, leaving poor Charlie politely rocking on his heels in the foyer. The office was warm and smelled of sage and witch hazel, and the desk was littered with bits of twine and herbs where Jackaby had been preparing fresh wards. Douglas had burrowed into a nest of old receipts on the bookshelf behind us and was sound asleep with his bill tucked back into his wing. I had given up trying to get him to stop napping on the paperwork. “You’re the one who told me that I shouldn’t have to choose between profession and romance,” I said. “I’m not the one making a fuss. I don’t care the least bit about your little foray into . . . romance.” Jackaby pushed the word out of his mouth as though it had been reluctantly clinging to the back of his throat. “If anything, I am concerned that you are choosing to make precisely the choice that I told you you should not make!” “What? Wait a moment. Are you . . . jealous?” “Don’t be asinine! I am not jealous! I am merely . . . protective. And perhaps troubled by your lack of fidelity to your position.” “That is literally the definition of jealous, sir. Oh, for goodness’ sake. I’m not choosing Charlie over you! I’m not going to suddenly stop being your assistant just because I spend time working on another case!” “You might!” he blurted out. He sank down into the chair at his desk. “You just might.” “Why are you acting like this?” He pinched the bridge of his nose. “Because things change. Because people change. Because . . . because Charlie Barker is going to propose,” he said. He let his hand drop and looked me in the eyes. “Marriage,” he added. “To you.” I blinked. “I miss a social cue or two from time to time, but even I’m not thick enough to believe all that was about analyzing bloodstains together. He has the ring. It’s in his breast pocket right now. He’s attached an absurd level of emotional investment to the thing—I’m surprised it hasn’t burned a hole right through the front of his jacket, the way its aura is glowing. He’s nervous about it. He’s going to propose. Soon, I would guess.” I blinked. The air in front of me wavered like a mirage, and in another moment Jenny had rematerialized. “And if he does,” she said softly, “it will be Abigail’s decision to face, not yours. There are worse fates than to receive a proposal from a handsome young suitor.” She added, turning to me with a grin, “Charlie is a good man.” “Yes, fine! But she has such prodigious potential!” Jackaby lamented. “Having feelings is one thing—I can grudgingly tolerate feelings—but actually getting married? The next thing you know they’ll be wanting to do something rash, like live together ! Miss Rook, you have started something here that I am loath to see you leave unfinished. You’ve started becoming someone here whom I truly want to meet when she is done. Choosing to leave everything you have here to go be a good man’s wife would be such a wretched waste of that promise.” He faltered, looking to Jenny, and then to the floorboards. “On the other hand, you should never have chosen to work for me in the first place. It remains one of your most ill-conceived and reckless decisions to date—and that is saying something, because you also chose to blow up a dragon once.” He sighed. “Jenny is right. You could make a real life with that young man, and you shouldn’t throw that away just to hang about with a fractious bastard and a belligerent duck.” He sagged until his forehead was resting on his desk.
William Ritter (The Dire King (Jackaby, #4))
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.
Adam M. Grant (Originals: How Nonconformists Move the World)
If you don't trust someone to look after your investments, then they shouldn't be doing the job for you.
Murray Walker
If you make disciples, you always get the church. But if you make a church, you rarely get disciples. A gifted discipler is someone who invites people into a covenantal relationship with him or her, but challenges that person to live into his or her true identity in very direct yet graceful ways. Without both dynamics working together, you will not see people grow into the people God has created them to be. Challenge may be given from the pulpit or stage on Sunday mornings, but challenge is always given best in the context of personal relationships. No one accidentally creates disciples. Discipleship is an intentional pursuit. In life, when we want to learn how to do something, we find someone with real flesh and blood and have that person teach us how to do what they do. The truth of Scripture is meant to be worked out in us, not something that we hold as an abstract reality. If there’s anything any of us should become great at, it’s making disciples who can make disciples. Every disciple disciples. You can’t be a disciple if you aren’t willing to invest in and disciple others. That’s simply the call of the Great Commission. From the beginning, members know that one day they will start a group of their own. Leaders tell members from the beginning that the expectation is that in 6-12 months they will start one of their own. People often become stunted in their spiritual development if they assume it is only affecting them (though this is never really the case), but knowing that other people are depending on them changes the game in their minds and makes them take their own spiritual development more seriously. When the bar is raised, people either bow out or step up. Most of the time people step up. It is our experience that people want to grow but are unable to will themselves to transformation. They need relationships and structures that keep them accountable and moving toward Jesus. They also know the only way this can happen is with high commitment.
Mike Breen (Building a Discipling Culture)
The two fuels that run Untruth, Inc., are, first, a realization that most of the president’s policies, whether deliberately or as a result of indifference and laziness, run counter to what most Americans support, and, second, a media establishment so invested in his agenda that it will not call the administration to account. So the engine of lying keeps humming. On any given day the president of the United States can step up to the teleprompter amid the latest disaster and swear that he did not do what he just did, or insist that someone else, not he, did the dastardly deed, or simply skip over recent history and make things up. The press at first quibbles, then nods in agreement, and Obama is empowered to do it again and again. We have not seen such a disingenuous president since Richard Nixon — but he, at least, was countered rather than enabled by the media.
God has many reasons to make us rich, poor and happy and unhappy But he has never given more time to someone or less to others TIME continues to equalize all in the world and an unifying force never violated rule of equality, the Day you do good you have enriched your account, try investing the matters with knowledge which alone keeps us going,,Easy money vanishes with TIME but rich knowledge keep you happy when many are unhappy. Dr.T.V.Rao MD
T.V. Rao
Acknowledge the strengths of your opponent’s argument. If you are trying to persuade someone, why on earth would you want to lend credence to his argument? One reason is that the opposing argument almost certainly has value—something you can learn from and use to strengthen your own argument. This may seem hard to believe since you are so invested in your argument, but remember: we are blind to our blindness. Furthermore, an opponent who feels his argument is ignored isn’t likely to engage with you at all. He may shout at you and you may shout back at him, but it is hard to persuade someone with whom you can’t even hold a conversation.
Financial intelligence is made up of these four main technical skills: 1. Accounting Accounting is financial literacy, or the ability to read numbers. This is a vital skill if you want to build businesses or investments. 2. Investing Investing is the science of money making money. 3. Understanding markets Understanding markets is the science of supply and demand Alexander Graham Bell gave the market what it wanted. So did Bill Gates. A $75,000 house offered for $60,000 that cost $20,000 was also the result of seizing an opportunity created by the market. Somebody was buying, and someone was selling. 4. The law The law is the awareness of accounting, corporate, state and federal regulations. I recommend playing by the rules.
Robert T. Kiyosaki (Rich Dad, Poor Dad)
In fact, for someone in the highest tax bracket, short-term Treasury bills have yielded a negative after-tax real return since 1871, even lower if state and local taxes are taken into account. In contrast, top-bracket taxable investors would have increased their purchasing power in stocks 288-fold over the same period.
Jeremy J. Siegel (Stocks for the Long Run: The Definitive Guide to Financial Market Returns & Long-Term Investment Strategies)
When someone is heavily invested in his or her opinion, it is inevitably hard to change the person’s mind.
Steven D. Levitt (Think Like a Freak)
Unlike in the Action Phase of the Hook discussed in chapter three, investments are about the anticipation of longer-term rewards, not immediate gratification. In Twitter for example, the investment comes in the form of following another user. There is no immediate reward for following someone, no stars or badges to affirm the action. Following is an investment in the service, which increases the likelihood of the user checking Twitter in the future.
Nir Eyal (Hooked: How to Build Habit-Forming Products)
Rewards of the Self Finally, there are the variable rewards we seek for a more personal form of gratification. We are driven to conquer obstacles, even if just for the satisfaction of doing so. Pursuing a task to completion can influence people to continue all sorts of behaviors.[lxxxvi] Surprisingly, we even pursue these rewards when we don’t outwardly appear to enjoy them. For example, watching someone investing countless hours into completing a tabletop puzzle can reveal frustrated face contortions and even sounds of muttered profanity. Although puzzles offer no prize other than the satisfaction of completion, for some the painstaking search for the right pieces can be a wonderfully mesmerizing struggle.
Nir Eyal (Hooked: How to Build Habit-Forming Products)
When a manager has a criminal record or a history of cheating investors or even just feels above the law, I stop right there. Crooks don’t suddenly sprout a sense of fiduciary duty. When a piece of evidence might or might not tag a bad guy, I use it only if it hints at other investment defects. Glamorous hype stocks are more likely to be scams, but I avoid them because they are usually overpriced and prone to raising capital constantly. Intricate corporate structures make analysis difficult, even if nothing bad is going on. To spot bad guys, look for the fraud triangle: pressure, opportunity, and rationalization. Philosopher Hannah Arendt had it right that “most evil is done by people who never make up their minds to be good or evil.” Watch for when massive option grants or hefty fees compel people to try too hard. Pride can be a dominant motive when an audience believes in someone’s magical powers. Charismatic promoters often suppress the boards of directors, auditors, and other naysayers that might prevent them from doing what they want. They cluster in industries and geographies where capital is abundantly available with little scrutiny or accountability. Lax accounting standards are also a draw. Don’t buy anything someone is pushing hard. By avoiding the bad-guy stocks—and it’s a short list—I slash the possibility of a disastrous outcome but scarcely reduce my opportunity set.
Joel Tillinghast (Big Money Thinks Small: Biases, Blind Spots, and Smarter Investing)
Let’s assume someone puts $10,000 in a mutual fund, leaves it there 20 years, and gets an average annual return of 10 percent. If the fund had an expense ratio of 1.5 percent, the fund is worth $49,725 at the end of 20 years. However if the fund had an expense ratio of 0.5 percent, it would be worth $60,858 at the end of 20 years. Just a 1 percent difference in expenses makes an 18 percent difference in returns when compounded over 20 years.
Taylor Larimore (The Bogleheads' Guide to Investing)
Don’t wish it was easier, wish you were better. Don’t wish for less problems, wish for more skills.” Don’t wish for someone to hold your hand like you’re a four-year-old skipping rope and chewing bubblegum. Wish to build discipline of long-term investing, like an adult. Others have done it and you can too.
Ramit Sethi
In my experience, the 2-4 unit complex is the ideal investment for someone who is just getting started in real estate and has the resources for the down payment
Manny Khoshbin (Manny Khoshbin's Contrarian PlayBook)
The important point to understand about commodities is that they have extreme cycles. That’s why the best traders make their money in this sector. And sudden weather patterns or mining strikes can cause tremendous short-term fluctuations, often exploding like a bomb! Unless you’re working with someone who has a proven system, don’t trade commodities. You can invest in them, but tread cautiously. Remember that commodities are all different in their ability to ramp up supply (elasticity) when demand accelerates. It’s easier to cultivate more land for crops or livestock in an era of urbanization, but it’s not so easy to drill deeper for more oil or unearth more industrial metals like iron ore, coal, lead, nickel, and copper. Pulling uranium and the rare metals out of the ground is even harder.
Harry S. Dent (Zero Hour: Turn the Greatest Political and Financial Upheaval in Modern History to Your Advantage)
That’s not all. You also get a guaranteed return on your initial investment.” People who were approached with a that’s-not-all story, Burger found, were more likely to buy into it than those who heard the great offer right away. (The that’s-not-all-ing, incidentally, can continue for a while. You need not stop at one.) That’s-not-all is actually a member of a broader set of persuasive tactics, known as disrupt-then-reframe techniques. First you disrupt someone’s understanding of an attempt to influence her, and then you reframe the attempt in a way that makes her more vulnerable to it. Here’s how it works. Harvard psychologist Daniel Gilbert proposes that we understand the world in two stages. First we take it at face value, in order to decipher the sense of what someone is telling us. And then we evaluate it, in order to judge the soundness of what we’ve just deciphered. Disrupt-then-reframe attacks the evaluative part of the process: we don’t have a chance to give a proper assessment because each time we try to do so, the situation changes.
Maria Konnikova (The Confidence Game: Why We Fall for It . . . Every Time)
In playwriting there is a conception known as “Chekhov’s gun”: if there is rifle hanging above the mantelpiece in Act One, it’s going to be fired at someone by the end of Act Five. In the regulatory, enforcement and legal landscape around loan recoveries in India over last decade, the unused rifle usually disappears by Act Three, hence not credible since all stakeholders know about the preordained vanishing act. Investment in policy and regulatory integrity requires staying the course there is no other way.
Urjit Patel (Overdraft: Saving the Indian Saver)
It’s a tough lesson to learn, but try to only keep relationships where you are on the same plane of reciprocity. I am not suggesting score-keeping by any means, only an equal investment in the relationship. Take stock of your relationships. Are they two-way, or a little lopsided? Are you constantly chasing someone down, const
Natalie Wise (Happy Pretty Messy: Cultivating Beauty and Bravery When Life Gets Tough)
It’s a tough lesson to learn, but try to only keep relationships where you are on the same plane of reciprocity. I am not suggesting score-keeping by any means, only an equal investment in the relationship. Take stock of your relationships. Are they two-way, or a little lopsided? Are you constantly chasing someone down, constantly doing favors for them, or only wanted when it is convenient for them? These relationships are not healthy and erode self-confidence quickly. It is e
Natalie Wise (Happy Pretty Messy: Cultivating Beauty and Bravery When Life Gets Tough)
Harmony offers visible evidence that someone cares enough about a place to invest energy in it. Disorder has the opposite effect. Disorderly environments have been linked to feelings of powerlessness, fear, anxiety, and depression, and they exert a subtle, negative influence on people’s behavior.
Ingrid Fetell Lee (Joyful: The Surprising Power of Ordinary Things to Create Extraordinary Happiness)
Helen the teacher was a “people builder.” She instinctively found ways to build up her students. Being a people builder means you consistently find ways to invest in and bring out the best in others. You give without asking for anything in return. You offer advice, speak faith into them, build their confidence, and challenge them to go higher. I’ve found that all most people need is a boost. All they need is a little push, a little encouragement, to become what God has created them to be. The fact is, none of us will reach our highest potential by ourselves. We need one another. You can be the one to tip the scales for someone else. You can be the one to stir up their seeds of greatness.
Joel Osteen (Every Day a Friday: How to Be Happier 7 Days a Week)
So, we will camp here? Has anyone scouted the area? You’re sure it’s safe?” “Swift Antelope and Red Buffalo checked for trackers last night and this morning. As crazy as it sounds, Red Buffalo claims the girl’s ap hasn’t even gone for help yet.” “He’s such a coward, he’s probably waiting to be sure we’re gone. I’m surprised his women haven’t ridden to the fort for help. They are by far the better fighters.” Scarcely aware he was doing it, Hunter feathered his thumb back and forth on the girl’s arm, careful not to press too hard because of her burn. She was as silken as rabbit fur. Glancing down, he saw that her skin was dusted with fine, golden hair, noticeable now only because her sunburn formed a dark backdrop. Fascinated, he touched a fingertip to the fuzz. In the sunshine she glistened as though someone had sprinkled her with gold dust. “Swift Antelope still hasn’t stopped talking about the younger one,” Warrior said. “Her courage impressed him so much, I think he may be smitten. I have to admit, though, once you get used to looking at them, the golden hair and blue eyes grow on you.” “Maybe you should take her across the river and sell her, eh?” “I could double my investment.” With a grin, Hunter pulled the robe back over her. She reacted by shrinking away from him, and he gave a disgusted snort. “She must think we’re hungry and she’s going to be breakfast.” “Speaking of which, are you going to feed her?” “In an hour or so. If we’re staying here today, I can go back to sleep.” He drew his knife and cut the leather on Loretta’s wrists. “Wake me if the sun gets on her, eh?” “You’d better keep her tied.” “Why?” A yawn stretched Hunter’s dark face. “Because she’s looking skittish.” “She’s naked.” Sheathing his knife, Hunter flopped on his back and shaded his eyes with one arm. “She won’t run. Not without clothes. I’ve never seen such a bashful female.” “The tosi tivo truss up their females in so many clothes, it would take a whole sleep just to undress one. Then they have them wear breeches under the lot. How do they manage to have so many children? I’d be so tired by the time I found skin, I’d never get anything else done.” “You’d think of something,” Hunter said with a chuckle.
Catherine Anderson (Comanche Moon (Comanche, #1))
An asset is worth what someone is willing to pay for it; and the value of an asset is the cash it will generate over its life.
John Kay (Long & the Short of It: A Guide to Finance & Investment for Normally Intelligent People Who Aren't in the Industry)
Some practitioners spend too much effort trying to get the strategy and methodology right rather than looking for the right person to invest in. If someone says to me, give me the method or give me the curriculum, I know they have not understood that this is accomplished through persons rather than through methods.
Steve Addison (Pioneering Movements: Leadership That Multiplies Disciples and Churches)
Affection is only one ingredient of love. To truly love we must learn to mix various ingredients -- care, affection, recognition, respect, commitment, and trust, as well as honest and open communication. [...] When we feel deeply drawn to someone, we cathect with them; that is, we invest feelings or emotions in them. That process of investment wherein a loved one becomes important to us is called "cathexis." In his book, [M. Scott] Peck rightly emphasizes that most of us "confuse cathecting with loving." We all know how often individuals feeling connected to someone through the process of cathecting insist that they love the other person even if they are hurting or neglecting them. Since their feeling of that of cathexis, they insist that what they feel is love.
bell hooks (All About Love: New Visions)
That night, they sat around the hotel room with a bottle of tequila and some salt and limes and talked about names for the new real estate company. A few ideas sprang up right away but got rejected just as fast. A half bottle of tequila later, the name "Real Estate Maximums Incorporated" was tossed around as a possibility. Nobody spoke for a moment because everyone liked it. Maximums meant that everyone would get the most out of the relationship-real estate agents and customers alike. The name did a good job of communicating the everybody wins principle at the heart of the endeavor. But after a few more minutes, they realized it didn't quite work. It wasn't snappy enough for a good brand name, and it was too long to fit on a real estate sign. More tequila got poured. No one could come up with another name that felt as on-target as Real Estate Maximums. Someone suggested shortening it to R. E. Max. That made it snappier and appealing in a brand name sense; but when you wrote it out, it looked too much like a real person's name. You could imagine junk mail arriving at the office in care of Mr. and Mrs. R. E. Max. Collins pointed out that Exxon had formed only a few years before, and the X with a slash through it looked very smart. So Liniger took out the dots and tried a slash through the middle of the word and then capitalized all the letters. They looked at the pad of paper and saw: RE/MAX. A silence came over them, followed by a few backslaps and cheers. Everything about the word looked exactly right, as though they were talking about an established global company. Now, what about colors? They were on a roll. Now was no time to stop. A few more shots of tequila went around while they debated the right look for the new RE/MAX. It didn't take long to figure it out: Everyone in the room was a Vietnam vet and patriotic to the core. The colors, of course, had to be red, white, and blue. When they considered the whole package, they knew they had it. And that's how the idea for the distinctive RE/MAX brand was hatched. Considering the time and resources that get poured into brand development today, their methods might seem unorthodox if admirably effective. No money was spent on advertising agencies, market research, or trademark protection. The only investment was a decent bottle of tequila; the only focus group, a bunch of guys sitting around a room having a good laugh.
Phil Harkins (Everybody Wins: The Story and Lessons Behind RE/MAX)
Naval’s Laws The below is Naval’s response to the question “Are there any quotes you live by or think of often?” These are gold. Take the time necessary to digest them. “These aren’t all quotes from others. Many are maxims that I’ve carved for myself.” Be present above all else. Desire is suffering (Buddha). Anger is a hot coal that you hold in your hand while waiting to throw it at someone else (Buddhist saying). If you can’t see yourself working with someone for life, don’t work with them for a day. Reading (learning) is the ultimate meta-skill and can be traded for anything else. All the real benefits in life come from compound interest. Earn with your mind, not your time. 99% of all effort is wasted. Total honesty at all times. It’s almost always possible to be honest and positive. Praise specifically, criticize generally (Warren Buffett). Truth is that which has predictive power. Watch every thought. (Always ask, “Why am I having this thought?”) All greatness comes from suffering. Love is given, not received. Enlightenment is the space between your thoughts (Eckhart Tolle). Mathematics is the language of nature. Every moment has to be complete in and of itself. A Few of Naval’s Tweets that are Too Good to Leave Out “What you choose to work on, and who you choose to work with, are far more important than how hard you work.” “Free education is abundant, all over the Internet. It’s the desire to learn that’s scarce.” “If you eat, invest, and think according to what the ‘news’ advocates, you’ll end up nutritionally, financially, and morally bankrupt.” “We waste our time with short-term thinking and busywork. Warren Buffett spends a year deciding and a day acting. That act lasts decades.” “The guns aren’t new. The violence isn’t new. The connected cameras are new, and that changes everything.” “You get paid for being right first, and to be first, you can’t wait for consensus.” “My one repeated learning in life: ‘There are no adults.’ Everyone’s making it up as they go along. Figure it out yourself, and do it.” “A busy mind accelerates the passage of subjective time.
Timothy Ferriss (Tools of Titans: The Tactics, Routines, and Habits of Billionaires, Icons, and World-Class Performers)
Helen, a junior high math teacher in Minnesota, spent most of the school week teaching a difficult “new math” lesson. She could tell her students were frustrated and restless by week’s end. They were becoming rowdy so she told them to put their books away. She then instructed the class to take out clean sheets of paper. She gave each of them this assignment: Write down every one of your classmates’ names on the left, and then, on the right, put down one thing you like about that student. The tense and rowdy mood subsided and the room quieted when the students went to work. Their moods lifted as they dug into the assignment. There was frequent laughter and giggling. They looked around the room, sharing quips about one another. Helen’s class was a much happier group when the bell signaled the end of the school day. She took their lists home over the weekend and spent both days off recording what was said about each student on separate sheets of paper so she could pass on all the nice things said about each person without giving away who said what. The next Monday she handed out the lists she’d made for each student. The room buzzed with excitement and laughter. “Wow. Thanks! This is the coolest!” “I didn’t think anyone even noticed me!” “Someone thinks I’m beautiful?” Helen had come up with the exercise just to settle down her class, but it ended up giving them a big boost. They grew closer as classmates and more confident as individuals. She could tell they all seemed more relaxed and joyful. About ten years later, Helen learned that one of her favorite students in that class, a charming boy named Mark, had been killed while serving in Vietnam. She received an invitation to the funeral from Mark’s parents, who included a note saying they wanted to be sure she came to their farmhouse after the services to speak with them. Helen arrived and the grieving parents took her aside. The father showed her Mark’s billfold and then from it he removed two worn pieces of lined paper that had been taped, folded, and refolded many times over the years. Helen recognized her handwriting on the paper and tears came to her eyes. Mark’s parents said he’d always carried the list of nice things written by his classmates. “Thank you so much for doing that,” his mother said. “He treasured it, as you can see.” Still teary-eyed, Helen walked into the kitchen where many of Mark’s former junior high classmates were assembled. They saw that Mark’s parents had his list from that class. One by one, they either produced their own copies from wallets and purses or they confessed to keeping theirs in an album, drawer, diary, or file at home. Helen the teacher was a “people builder.” She instinctively found ways to build up her students. Being a people builder means you consistently find ways to invest in and bring out the best in others. You give without asking for anything in return. You offer advice, speak faith into them, build their confidence, and challenge them to go higher. I’ve found that all most people need is a boost. All they need is a little push, a little encouragement, to become what God has created them to be. The fact is, none of us will reach our highest potential by ourselves. We need one another. You can be the one to tip the scales for someone else. You can be the one to stir up their seeds of greatness.
Joel Osteen (Every Day a Friday: How to Be Happier 7 Days a Week)
Morris wished for people to see their purchases as investments and buy items sparingly. He would have preferred for someone to spend £1,000 on an intricate, hand-made dining set that would last for decades and grow to become a family heirloom, than for each generation to buy its own cheap alternative, just to be thrown away when fashions changed.
The School of Life (Great Thinkers: Simple Tools from 60 Great Thinkers to Improve Your Life Today)
Hudson Creek is a decaying strip of buildings on either side of the highway, clinging to the road like barnacles on a rotting pier. If this were an ecosystem, I’d say it was on the verge of collapse. FOR SALE signs litter stretches of property with dilapidated buildings that look like they haven’t had two-legged occupants in years. Occasionally I spot signs of life. Aluminum-sided trailers covered in faded paint with clothes dangling nearby on lines. Someone lives there, if this is what you can call living. I’ve seen plenty of poverty in my travels. Not all of it radiates despair. I’ve been to slums where the electricity falters at night, but the live music keeps going. I’ve visited shantytowns where a new pair of shoes is as rare as a Tesla, yet people wear homespun clothes as vibrant as any I’ve seen. Hudson Creek has none of that. There’s no new construction. No signs that the town is fighting for life. The only things not falling apart are the shiny new cars I occasionally spot in weed-infested driveways. These people have mixed-up priorities. Or do they? Would you invest in landscaping if you knew your property values were going to keep declining? Maybe it’s better to spend your money on an escape pod with leather seats and a Bluetooth system.
Andrew Mayne (The Naturalist (The Naturalist, #1))
Work like a start-up, but mean it With the culture in place, and a process for change in place, how hard can this be? Well, now you have to get people working like you. I’ve worked with a few large clients over the years, and while they loved the idea of working like a start-up, it was a bit like wanting to go to Glastonbury, but only if you got to avoid everything about a large music festival. The allure of working like start-ups, but in a sort of polite, 9–5, big corporate backing kind of way. They wanted to work like a start-up, but had $100 million to spend. They wanted to be agile and nimble, but with a complex approval process. We want to challenge everything, but with the data to support it. Let’s go crazy, but please use existing marketing partners, let’s break new ground but ‘our competitors haven’t done it yet’. ‘We’re going to act like a start-up’ is a new corporate mantra. What would the founders of Klarna do here? How would Spotify market this? How can we replicate WeWork’s approach? Yet it never works that way. Spreadsheets need to be filled in showing target user numbers, someone back-fills profitability requirements, someone calculates projected revenue, and automatically an investment level is found. All with no idea that this is all the antithesis of start-ups. Start-ups hustle, they ask favours, and they use the limitation of money to force themselves to try risky things.
Tom Goodwin (Digital Darwinism: Survival of the Fittest in the Age of Business Disruption (Kogan Page Inspire))
There are consequences of our action. Its good when people protest to deliver their message. If they can't be heard . The problem is they are creating opportunities for companies to invest in AI (Artificial Intelligent). Companies will want to buy robots in replacing people , because robots wont protest, sexual abuse someone , get sick, be racist or favor certain employees. . As an employee you are supposed to generate cost for the company not costing the company.
De philosopher DJ Kyos
Premium Pricing Improves Commitment We never want our clients to be in situations where it is easy for them to decide to not take our advice. Any time someone hires an outside expert, the ultimate outcome he seeks is to move forward with confidence. What is the value of good advice not acted upon? Yes, it is our job to tell him what to do, but that is often the easy part. We are equally obliged to give him the strength to do it. We are not meeting our full obligations to our clients when we make recommendations that they find easy to ignore. The price we charge for such guidance should be enough that our clients feel compelled to act, lest they experience a profound sense of wasted resources. There must be the appropriate amount of pain associated with our pricing. This implies the need for our pricing to change as the size of the client changes. Larger organizations need to pay more to ensure their commitment. Larger Clients Get Greater Value Another reason larger clients must pay more is they derive greater financial value from similar work we would do for smaller organizations. To charge John Doe Chevrolet what we would charge General Motors for the same work would be irresponsible of us. The larger client pays more to ensure his commitment to solving his problem and to ensure his commitment to working with us – and he pays more because we are delivering a service that has a greater dollar value to him. Reinvesting in Ourselves Of all the investment opportunities we will face in our lives, few will yield returns greater than those opportunities to invest in ourselves. Price premiums give us the profit to reinvest in our people, our enterprise and ourselves. The corporations that we most admire are the ones that invest in research and development. We must follow their path. While others get by on slim margins, winning on price, we will use some of our greater profit margins to better ourselves and put greater distance between our competition and us. Better Margins Equal Better Firms and Better Clients On these many levels, charging more improves our ability to help our clients and increases the likelihood that we will deliver high-quality outcomes. It allows us to select the best clients – those that we are most able to help. Like leaning into the discomfort of money conversations, charging more might not come naturally or seem easy, but it is better for everyone, including the client, and so this too we shall learn to do with confidence.
Blair Enns (A Win Without Pitching Manifesto)
The lesson for all of us is this: your authority to speak into someone's life is directly proportional to your investment in the relationship.
David Khalaf (Modern Kinship: A Queer Guide to Christian Marriage)
To maintain the P/PC Balance, the balance between the golden egg (production) and the health and welfare of the goose (production capability) is often a difficult judgment call. But I suggest it is the very essence of effectiveness. It balances short term with long term. It balances going for the grade and paying the price to get an education. It balances the desire to have a room clean and the building of a relationship in which the child is internally committed to do it—cheerfully, willingly, without external supervision. It’s a principle you can see validated in your own life when you burn the candle at both ends to get more golden eggs and wind up sick or exhausted, unable to produce any at all; or when you get a good night’s sleep and wake up ready to produce throughout the day. You can see it when you press to get your own way with someone and somehow feel an emptiness in the relationship; or when you really take time to invest in a relationship and you find the desire and ability to work together, to communicate, takes a quantum leap. The P/PC Balance is the very essence of effectiveness. It’s validated in every arena of life. We can work with it or against it, but it’s there.
Stephen R. Covey (The 7 Habits of Highly Effective People)
I was autographing books at one of those little rattan tables in the bookstore when I found myself looking into the saddest eyes I had ever seen. “The doctor wanted me to buy something that would make me laugh,” she said. I hesitated about signing the book. It would have taken corrective surgery to make that woman laugh. “Is it a big problem?” I asked. The whole line of people was eavesdropping. “Yes. My daughter is getting married.” The line cheered. “Is she twelve or something?” “She’s twenty-four,” said the woman, biting her lip. “And he’s a wonderful man. It’s just that she could have stayed home a few more years.” The woman behind her looked wistful. “We’ve moved three times, and our son keeps finding us. Some women have all the luck.” Isn’t it curious how some mothers don’t know when they’ve done a good job or when it’s basically finished? They figure the longer the kids hang around, the better parents they are. I guess it all depends on how you regard children in the first place. How do you regard yours? Are they like an appliance? The more you have, the more status you command? They’re under warranty to perform at your whim for the first 18 years; then, when they start costing money, you get rid of them? Are they like a used car? You maintain it for years, and when you’re ready to sell it to someone else, you feel a great responsibility to keep it running or it reflects on you? (That’s why some parents never let their children marry good friends.) Are they like an endowment policy? You invest in them for 18 or 20 years, and then for the next 20 years they return dividends that support you in your declining years or they suffer from terminal guilt? Are they like a finely gilded mirror that reflects the image of its owner in every way? On the day the owner looks in and sees a flaw, a crack, a distortion, one tiny idea or attitude that is different from his own, he casts it aside and declares himself a failure? I see children as kites. You spend a lifetime trying to get them off the ground. You run with them until you’re both breathless...they add a longer tail...they hit the pluck them out of the spout. You patch and comfort, adjust and teach. You watch them lifted by the wind and assure them that someday they’ll fly. Finally they are airborne, but they need more string so you keep letting it out. With each twist of the ball of twine there is a sadness that goes with the joy, because the kite becomes more distant, and somehow you know it won’t be long before that beautiful creature will snap the lifeline that bound you together and soar as it was meant to soar—free and alone. Only then do you know that you did your job.
Erma Bombeck (Forever, Erma)
Why Dissertation Writing is important ? Dissertation writing can be described as a long essay written for a degree or diploma in all the fields of higher studies. Many a times it is also a requisite for the undergraduate students too. Dissertation writing is an imperative part of an academic career which helps students getting a good score because it holds half of the degree marks. It has acquired its importance over the ages. Students have to be very thorough with the subject along with a lot of research done to justify their points in the topic selected. It is a criteria for the professors to decide the student’s eligibility. Students have to approach the professors to know the credibility of the topic selected. This is done in a view to not to waste student’s valuable time investing in doing further research. If the topic is acceptable then the students can go ahead with the completion of the project. Majority of the part is usually done independently by the student. However, help is rendered by the tutors too other than just helping in approving the topic. It determines various skills of the students including their research skills, writing skills, their innovative ideas in the document. This task can be very rewarding when the topic selected is what the student is passionate about. It helps the student to write and work on it very effectively and passionately. Dissertation writing do asks a lot of dedication once started. It is very challenging for the students to put forth their ideas in an organised manner. More the writing is organised, the higher is the score. It is not worth to ask for a help from someone to complete your dissertation because this is the only chance to get a deep knowledge or to work in an area of your interest. However one can surely ask to overview others before submitting the final document. It is advisable to start working on it before hand as it really needs a lot of time to arrange the things supporting the topic in a presentable way. Work done haphazardly will not give desired results. Assignment Editing Help ensures you to solve all your academic issues, we bring to you an online Assignment writing service in London & UK that ensures to help you till your satisfaction.We are the best Dissertation Writing Service in London & UK, who have been writing essay, coursework and assignments over a decade.
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When the Bible speaks of love, it measures it primarily not by how much you want to receive but by how much you are willing to give of yourself to someone. How much are you willing to lose for the sake of this person? How much of your freedom are you willing to forsake? How much of your precious time, emotion, and resources are you willing to invest for this person?
Mark Dever (The Compelling Community: Where God's Power Makes a Church Attractive (9Marks))
Gifts Make the Tribe The biblical proscription against usury goes all the way back to Moses. The rule was simple: you couldn't charge interest on a loan to anyone in your tribe. Strangers, on the other hand, paid interest. This isn't a matter of ancient biblical archeology; the edict against interest stuck for thousands of years, until around the time of Columbus. It's worth taking a minute to understand the reasoning here. If money circulates freely within the tribe, the tribe will grow prosperous more quickly. I give you some money to buy seeds, your farm flourishes, and now we both have money to give to someone else to invest. The faster the money circulates, the better the tribe does. The alternative is a tribe of hoarders, with most people struggling to find enough resources to improve productivity. Obviously, there's another force at work here. When I make an interest-free loan to you, I'm trusting you and giving you a gift at the same time. This interaction increases the quality of our bond and strengthens the community. Just as you wouldn't charge your husband interest on a loan, you don't charge a tribe member. Strangers, on the other hand, are not to be trusted. Going further, strangers don't deserve the bond that the gift brings. It would turn the stranger into a tribe member, and the tribe is already too big. If I loan money to a stranger, I'm doing it for one reason: to make money. I risk my money, and if all goes well, we both profit. But there's no bond here, no connection. One reason that art has so much power is that it represents the most precious gift we can deliver. And delivering it to people we work with or connect with strengthens our bond with them. It strengthens the tribal connection. When you walk into your boss's office and ask for advice, she doesn't charge you an hourly fee, even if she's a corporate coach or a psychoanalyst, even if you want help with a personal problem. The gift of her time and attention and insight is just that--a gift. As a result, the bond between you strengthens.
But there is something thrilling about the wait; investing your time and energy to imagine and create those characters in your mind’s eye and envisage what might happen to them before someone else tells you. It’s the slowness I like. Everything today is so rushed and hurried, but I find there is nothing better than relaxing with a good book.
L.J. Dee (Tyler (The Hunter Brothers #4))
Another thing that people don’t understand is it’s not all about sex. It’s much more about the emotion. When two people are fully invested in a scene, it can be the most intensely emotional experience you’ll ever have—and that’s before anyone has sex.” He cups my face and slides his thumb over my cheekbone. “That’s magnified a thousand times when you’re in a scene with someone you love.
M.S. Force (Victorious (Quantum, #3))
you’ll need to depend on each other. Tough times create a lot of stress. Be nice to one another even when you feel like you’re about to snap. People are what matters. Take it from someone standing on the precipice of eternity. I wish I would have invested a lot more in people and relationships and less on all the things that seem so useless from where I sit now.
Mark Goodwin (Conspiracy (The Days of Noah, #1))
What will matter later in life is what you initiate today — striking up a conversation that leads to a new friendship, sharing an idea with someone at work that turns into a new product or offering, or investing in another person’s growth and watching her succeed over the years.
Tom Rath (Are You Fully Charged?: The 3 Keys to Energizing Your Work and Life)
Before you follow someone or accept a friend request blindly, make sure you really want to invest any time and energy into this person.
S.J. Scott (10-Minute Digital Declutter: The Simple Habit to Eliminate Overwhelm from Technology, Social Media, and Online Distractions)
Plasticity inhibits authenticity, and fosters in its place a kind of fairytale, insubstantial, unstable environment. All under the cover of freedom of choice. but there is no freedom larger than simply being who you must be. There is no more formidable Self than the one that has adjusted to nonnegotiable fixed points or unconditional obstacles to its aspiration. There is no more compelling truth than accepting with genuine grace what one cannot change. And so there is no larger testimony to freedom than someone who has taken such a course of life over a long haul; who ultimately and transparently bears the marks and scars of where they have been in real time. Such person wear line on their faces, lines that resolutely defy the airbrush. Such persons need not continuously broadcast their inner narratives; nor need they present the same visage to every acquaintance. But their faces still speak volumes to anyone with eyes to see. Their faces bear the marks of their irrevocable investments in their inalienable humanity.
Mariam Thalos (Facebook and Philosophy: What's on Your Mind?)
How can someone be considered wealthy if, for example, he is worth only $460,000? After all, he’s not a millionaire. Charles Bobbins is a forty-one-year-old fireman. His wife is a secretary. They have a combined annual income of $55,000. According to our research findings, Mr. Bobbins should have a net worth of approximately $225,500. But he is worth much more than others in his income/age category. Mr. and Mrs. Bobbins have been able to accumulate an above-average amount of net worth. Thus, they apparently know how to live on a fireman’s and secretary’s income and still save and invest a good bit. They likely have a low-consumption lifestyle. And given this lifestyle, Mr. Bobbins could sustain himself and his family for ten years without working. Within their income and age categories, the Bobbinses are wealthy. The
Thomas J. Stanley (The Millionaire Next Door: The Surprising Secrets of America's Wealthy)
And then it actually becomes the most interesting thing in the world. A single word is embossed in fancy calligraphy letters. A single word that makes it feel like the whole room is spinning. Harksbury. What in God’s name? “What is this?” I point at it and shout in Mindy’s ear. She scrunches her eyebrows. “A coaster?” I groan. “No, I mean, the name. Harksbury.” “Oh. It’s the name of the club. I don’t know what it means, though.” I do. It’s the name of a dukedom. I wonder if that means some relative of Alex’s invested in this place or something. Or if someone borrowed their name. Or what. But it has to mean Harksbury is real, that it existed. I stare down at the word again. If the shoes weren’t enough…It has to be real. And seeing it like this reminds me of how I felt there. How it felt to be Rebecca. I tuck the coaster into my back pocket and try to ignore the stare Angela is giving me. She probably thinks I’m totally nuts, stealing a paper coaster. But it’s the closest I’ll get to a souvenir of my time-bending trip. And having it on me makes me feel stronger, somehow, like I can always be that girl at the ball. I look up when the boys file in and sit down on a bright orange couch shaped like a slug. “Ladies. This is Grant, Tim, and Alex,” door-boy says. He doesn’t even introduce himself. I guess I’m supposed to know who he is. I smile at Grant and nod at Tim, but when I get to Alex, I only stare. Alex. The Alex. No, no it can’t be. His hair is shorter, his skin smooth and shaven. He’s got on a green button-up, left open at the collar, which brings out the intense emerald shade of his eyes. There’s something different. The contour of his lips, the line of his nose. It’s almost him, but not quite. And he’s staring back at me. Does he know who I am? No, that’s silly. It’s not really him. Not Alex Thorton-Hawke, the Duke of Harksbury. Just Alex, the twenty-first-century guy standing in front of me. In a nightclub. In real life. Mindy jabs me with her elbow. “This is--” “Callie,” I say, standing and reaching my hand out. “My name is Callie.” It feels so good to say that. To be me. I grin involuntarily at the realization. He smiles and shakes it. “Hey.” For a second neither of us says anything else. We just keep shaking hands and staring at each other. My heart hammers out of control. I feel sweaty already. But it’s adrenaline. Excitement. I’m not terrified anymore. Not of Angela, not of Alex. I can do this. “Do you want to dance?” I ask. Did I really just say that out loud? That couldn’t have been me. That was someone else. “Huh?” He can’t hear me over the music. “Do you want to dance?” I say, louder this time, with a little more conviction. For emphasis, I nod my head toward the floor. I’m really doing this. “Yeah.” I’m not sure I’ve heard him correctly, but then he grabs my hand and leads me away, and I risk a glance back at the group. They’re just staring. For once in my life, I’ve upstaged them. I grin back and then turn my attention to Alex. I’ve thought about getting close to him for a month. I’m about to get my chance.
Mandy Hubbard (Prada & Prejudice)
Someone saw potential in me, invested in my life, and helped me understand that the rewards of becoming a serving leader were far greater than being a self-serving one. I guess you could say I had a change of heart.
Kenneth H. Blanchard (The Secret: What Great Leaders Know and Do)
If you don't think those miniscule costs matter, consider this: Let's assume someone puts $10,000 in a mutual fund, leaves it there 20 years, and gets an average annual return of 10 percent. If the fund had an expense ratio of 1.5 percent, the fund is worth $49,725 at the end of 20 years. However if the fund had an expense ratio of 0.5 percent, it would be worth $60,858 at the end of 20 years. Just a 1 percent difference in expenses makes an 18 percent difference in returns when compounded over 20 years.
Taylor Larimore (The Bogleheads' Guide to Investing)
What happens with someone may not necessarily be about who you are or what you can give but also about what the other person wants. Basically, you can't win people over if they don't want to be won over by you. It's not that they don't want love or devotion; they do, but just not from you. They have invested their emotions somewhere else.
Om Swami (If Truth Be Told: A Monk's Memoir)
I can’t find good people” becomes “I can’t know who my A players are until I challenge them to find out.” “Nobody cares as much as I do” becomes “I haven’t figured out how they care in their own way that can harmonize with the way that I do.” “I can’t afford to invest time in someone who is just going to leave anyway” becomes “I don’t have time to do anything else.” “I’m not a therapist, I don’t have the skills to help them with their personal problems” becomes “I’m not a therapist, but I am two steps ahead of this person as a professional and can help them grow by sharing the things I’ve learned along the way.” “We just need better systems and more communication” becomes “We don’t need more communication. We need to start speaking a different language.” Imagine
Jonathan Raymond (Good Authority: How to Become the Leader Your Team Is Waiting For)
Paul Graham is the founder of Y Combinator, one of the most successful and sought-after startup accelerators in the tech world. Graham has invested in several blockbuster companies, including AirBNB and Dropbox, both of which are valued in the billions at the time of this writing. After investing in hundreds of companies and considering thousands more, Paul Graham has perfected the art of identifying promising startups. His methods may surprise you. In an interview, Graham highlighted two key strategies: Favoring people over product Favoring determination over intelligence What’s most essential for a successful startup? Graham: The founders. We’ve learned in the six years of doing Y Combinator to look at the founders—not the business ideas—because the earlier you invest, the more you’re investing in the people. When Bill Gates was starting Microsoft, the idea that he had then involved a small-time microcomputer called the Altair. That didn’t seem very promising, so you had to see that this 19-year-old kid was going places. What do you look for? Graham: Determination. When we started, we thought we were looking for smart people, but it turned out that intelligence was not as important as we expected. If you imagine someone with 100 percent determination and 100 percent intelligence, you can discard a lot of intelligence before they stop succeeding. But if you start discarding determination, you very quickly get an ineffectual and perpetual grad student.[74] Your intelligence doesn’t matter as much as you think it does. If you’re reading this book, you’re probably more than capable. Your ideas don’t matter much, either. What matters most—by far, is your perseverance. Stop worrying about your mental aptitude. Stop worrying about the viability of the project you’re considering. Stop worrying about all the other big decisions keeping you up at night. Instead, focus on relentlessly grinding away at your passion until something incredible happens. Your potential output is governed by your mindset, not your mind itself.
Jesse Tevelow (The Connection Algorithm: Take Risks, Defy the Status Quo, and Live Your Passions)
In his book How the Mind Works, the linguist Steven Pinker gives a wonderful example of this. Pinker tells a simple three-sentence story: “Janie heard the jingling of the ice cream truck. She ran upstairs to get her piggy bank. She shook it till some money came out.”2 By themselves these three sentences don’t tell you much. But because of your patterns, without consciously thinking about it, you construct a meaning for the story that makes sense. You probably have some idea of how old Janie is. It’s unlikely that you picture her as someone in her thirties; you probably assume she’s 9 or 10. It’s unlikely you think bills came out when she shook her piggy bank; you probably heard coins. And you certainly don’t assume that she wanted the money to invest in Enron. None of this meaning is contained in the original three sentences, but because of your patterns, you impose meaning—your meaning—on the story.
Tim Hurson (Think Better: An Innovator's Guide to Productive Thinking)
To Fail Seven Times, Plus or Minus Two Let me stop to issue rules based on the chapter so far. (i) Look for optionality; in fact, rank things according to optionality, (ii) preferably with open-ended, not closed-ended, payoffs; (iii) Do not invest in business plans but in people, so look for someone capable of changing six or seven times over his career, or more (an idea that is part of the modus operandi of the venture capitalist Marc Andreessen); one gets immunity from the backfit narratives of the business plan by investing in people. It is simply more robust to do so; (iv) Make sure you are barbelled, whatever that means in your business.
Nassim Nicholas Taleb (Antifragile: Things That Gain From Disorder)
need sleep? I need to do whatever it takes to restore physically. 2. Have I been reading my Bible? Even if it is putting an app on my phone with a voice I can listen to while still in bed in the mornings or at night, I need to hear from the God who walks through these valleys with me. 3. Do I feel alone? I need to call someone who is a spiritually engaging friend, one who loves God, loves me, and whom I can completely trust. I will meet that person for coffee or lunch to share my heart and to ask for prayer. 4. Am I watching my health? Exercise is a stress reducer and helps happy hormones to develop. I have developed the habit of walking and hiking. 5. How can I get help? Is there someone who can help me clean my home? Do I have a friend I can ask to keep my kids, so I can have a little time away? 6. What do I need to invest in the joy factor of my life? Am I creating spaces of beauty for my own soul—candles, music, fresh flowers, and other such life-giving things? Perhaps it’s as simple as going to a movie with my husband or friend, or buying a new scarf.
Sarah Mae (Desperate: Hope for the Mom Who Needs to Breathe)
Embrace that heritage not just through talk, but through actions, help in rebuilding that place, open businesses, invest, because if you don’t, someone else will.
Aicha Kouyate Kaba (Stuck In Africa: A Novel)
Protest is not a sign of rebellion or disconnection—at least, it shouldn’t be. Quite to the contrary, protest should demonstrate love and investment. It should be a sign that we are so invested that we are not willing to settle or surrender. We protest because something or someone we care about is being hurt or diminished. Protest is not the action of an outsider or someone who is walking away. It is the responsibility of relationship—those who refuse to disconnect.
Darrell Smith
It is tough to lose someone you love because not everyone's free enough to let you invest your time in them...
Nitya Prakash
Coexistence means investing in your own financial fortune, so you need to pay close attention to it. You can’t invest in someone who’s a mess. The technique is simple. Just follow the directions of the Having signals.
Suh Yoon Lee (The Having: The Secret Art of Feeling and Growing Rich)
James, too, was much disturbed. He felt as though someone had threatened his right to invest his money at five per cent. Jolyon had spoiled her. None of his girls would have said such a thing. James had always been exceedingly liberal to his children, and the consciousness of this made him feel it all the more deeply. He trifled moodily with his strawberries, then, deluging them with cream, he ate them quickly; they, at all events, should not escape him.
John Galsworthy (The Forsyte Saga - Complete)
Making a new friend. When you’re over your twenties it’s hard, but once in a while someone comes along that you really want to invest time in and it’s so special.
Amy Schumer (The Girl with the Lower Back Tattoo)
Among the clues for sorting out the truth is how a leader handles things going wrong—not the show that happens in front of crowds but in the daily meetings and decisions where there is no audience. If they genuinely share credit but take the lion's share of blame, you might just have someone sincerely invested in doing what's best. A leader who shields others from things that get in the way inspires everyone to do the same. It's small habits like these that shift a culture away from the pointless exercises of finger pointing and dodging blame and toward a contagious confidence that the best work of your career is possible right now. The feeling that there's nothing in your way is something few feel often in their careers, if they ever feel it at all.
Scott Berkun (The Year Without Pants: and the Future of Work)
Before throwing money at someone else to make you successful, understand that success comes from within first.
Brandon Turner (How to Invest in Real Estate: The Ultimate Beginner's Guide to Getting Started)
Working for someone is helping them build their dreams. Work anyway for there is profit in labor.
Martin Uzochukwu Ugwu
Seeing what someone’s reading is like seeing the first derivative of their thinking.
Reid Hoffman (The Start-Up of You: Adapt to the Future, Invest in Yourself, and Transform Your Career)
By investment, I mean the degree to which you sacrifice/alter your own thoughts, feelings, and motivations for someone else. By less I mean that as a man, you should not be willing to sacrifice your thoughts, feelings, and motivations for someone else more than they sacrifice theirs for you.
Mark Manson (Models: Attract Women Through Honesty)
This book should never have happened. If it wasn’t for the most bizarre and twisted sequence of events involving a diverse array of people it wouldn’t have. Let us explain. If someone we, the authors, had wanted to impress - a publisher, say, or a book reviewer - had asked us how it had emerged, we could have come up with all kinds of things to establish our credentials for writing it. But they would have been only a small part of the story of how it came about, and not the interesting bit either. The truth is much more human and fascinating - and it also gets to the heart of the book and shows how networks really work. Greg has always been fascinated by ‘network theory’ - the findings of sociologists, mathematicians and physicists, which seemed to translate to the real world of links between people. Early in his professional life at Auto Trader magazine in Canada he got to see an extraordinary network of buyers and sellers in operation. Later, when he became a venture capitalist - someone who invests in new or young companies, hoping that some of them will become very valuable - he applied what he’d learned. He invested in businesses that could benefit from the way networks behave, and this approach yielded some notable successes. Richard came from a different slant. For twenty years, he was a ‘strategy consultant’, using economic analysis to help firms become more profitable than their rivals. He ended up co-founding LEK, the fastest-growing ‘strategy boutique’ of the 1980s, with offices in the US, Europe and Asia. He also wrote books on business strategy, and in particular championed the ‘star business’ idea, which stated that the most valuable venture was nearly always a ‘star’, defined as the biggest firm in a high-growth market. In the 1990s and 2000s, Richard successfully invested the money he had made as a management consultant in a series of star ventures. He also read everything available about networks, feeling intuitively that they were another reason for business success, and might also help explain why some people’s careers took off while equally intelligent and qualified people often languished. So, there were good reasons why Greg and Richard might want to write a book together about networks. But the problem with all such ‘formal’ explanations is that they ignore the human events and coincidences that took place before that book could ever see the light of day. The most
Richard Koch (Superconnect: The Power of Networks and the Strength of Weak Links)
Basically, our brains want to make sense of the world, so if we try to hold two competing ideas at the same time—say, “I’m a good person” and “I’ve devoted years of my life to something bad”—our brains will reinterpret one of those two ideas to make them fit again: “Good people don’t devote years of their lives to bad things, so that thing I devoted years of my life to must be good.” This can make it very hard to convince someone to change their mind on something they’ve invested themselves in.
Justin Lee (Talking Across the Divide: How to Communicate with People You Disagree with and Maybe Even Change the World)
Geniuses are always marginalized to one degree or another. Someone wholly invested in the status quo is unlikely to disrupt it. Did you get to where you are by accepting the status quo? I didn’t.
Ziad K. Abdelnour
The parents of high-reactive children are exceedingly lucky, Belsky told me. “The time and effort they invest will actually make a difference. Instead of seeing these kids as vulnerable to adversity, parents should see them as malleable—for worse, but also for better.” He describes eloquently a high-reactive child’s ideal parent: someone who “can read your cues and respect your individuality; is warm and firm in placing demands on you without being harsh or hostile; promotes curiosity, academic achievement, delayed gratification, and self-control; and is not harsh, neglectful, or inconsistent.” This advice is terrific for all parents, of course, but it’s crucial for raising a high-reactive child. (If you think your child might be high-reactive, you’re probably already asking yourself what else you can do to cultivate your son or daughter. Chapter 11 has some answers.)
Susan Cain (Quiet: The Power of Introverts in a World That Can't Stop Talking)
Now, describe, in a single written sentence, your intended successful outcome for this problem or situation. In other words, what would need to happen for you to check this project off as “done”? It could be as simple as “Take the Hawaii vacation,” “Handle situation with customer X,” “Resolve college situation with Susan,” “Clarify new divisional management structure,” “Implement new investment strategy,” or “Research options for dealing with Manuel’s reading issue.” All clear? Great. Now write down the very next physical action required to move the situation forward. If you had nothing else to do in your life but get closure on this, what visible action would you take right now? Would you call or text someone? Write an e-mail? Take pen and paper and brainstorm about it? Surf the Web for data? Buy nails at the hardware store? Talk about it face-to-face with your partner, your assistant, your attorney, or your boss? What? Got the answer to that?
David Allen (Getting Things Done: The Art of Stress-Free Productivity)
What Are Skills? Skills are the capabilities developed through training or hands-on experience. Skills are the practical application of knowledge. Someone can take a course on investing and gain knowledge of it. But only experience in trading gives them the skills. What Are Abilities? Abilities, often confused with skills, are the innate traits or talents that you bring to a task or situation. Many people can learn to negotiate competently by acquiring knowledge and practicing skills. But a few are brilliant negotiators because they have an innate ability to persuade. What Are Assets? Assets are funds you have saved up or that you acquire through loans, investors, or fund-raising. So how do assets work with everything else to push your business from idea into reality? Take a look at the example below. This is what I call the knowledge, skills, abilities, and assets matrix:
Ramesh Dontha (The 60 Minute Startup)
I never try to invest in someone who doesn’t know how it feel to lose, so the most important thing is to look for someone who has learned lesson from losing something.
4. Always develop yourself In order to attract the right friends, you must be good yourself. Friendship is never about what you gain or pursue from the other person, but rather it is about the contributions you make to their wellbeing and prosperity. You can never contribute to someone’s life positively if you have never invested in yourself first. This means that you must be the best version of yourself to grow.
Joe Cognitive (How To Improve Your Social Skills: a guidebook for adults to effective communication in love, work, life or anywhere! 4 essential keys about listening and speaking through training and activities.)
The set of friends that surrounded me ranged from a girl who received a Porsche wrapped in pink ribbons for her eighteenth birthday to someone who was ecstatic that he had made enough money to buy marijuana for his mother as a birthday present.
Soo Jin Park (Precisely How to Live: A Wall Street Banker's Playbook for Success, Values, and Joy)
Loving someone does not make you more beautiful to them. It makes them more beautiful to you, because you are invested in them.
Melinda Longtin
This was my world: a world of truly irrational behavior. we spend our way into the poorhouse. We buy gain TVs and iPads. Our children wear nice clothes thanks to high-interest credit cards and payday loans.... We spend to pretend that we're upper-class. And when the dust clears - when bankruptcy hits or a family member bails us out of our stupidity - there's nothing left over. Nothing for the kids' college tuition , no investment to grow our wealth, no rainy-day fund if someone loses her job. We know we shouldn't spend like this. Sometimes we beat ourselves up over it, but we do it anyway.
J.D. Vance (Hillbilly Elegy: A Memoir of a Family and Culture in Crisis)
This was my world: a world of truly irrational behavior. we spend our way into the poorhouse. We buy big TVs and iPads. Our children wear nice clothes thanks to high-interest credit cards and payday loans.... We spend to pretend that we're upper-class. And when the dust clears - when bankruptcy hits or a family member bails us out of our stupidity - there's nothing left over. Nothing for the kids' college tuition, no investment to grow our wealth, no rainy-day fund if someone loses her job. We know we shouldn't spend like this. Sometimes we beat ourselves up over it, but we do it anyway.
J.D. Vance (Hillbilly Elegy: A Memoir of a Family and Culture in Crisis)
Each and every day is an opportunity to do something for someone else, however small it may be. Invest your kindness in others and do it indiscriminately. You never know when you may need someone to invest in you.
Celinne Da Costa (The Art of Being Human: The Nomad's Oasis)
To be an intelligent investor, you must also refuse to judge your financial success by how a bunch of total strangers are doing. You’re not one penny poorer if someone in Dubuque or Dallas or Denver beats the S & P 500 and you don’t. No one’s gravestone reads “HE BEAT THE MARKET.” I once interviewed a group of retirees in Boca Raton, one of Florida’s wealthiest retirement communities. I asked these people—mostly in their seventies—if they had beaten the market over their investing lifetimes. Some said yes, some said no; most weren’t sure. Then one man said, “Who cares? All I know is, my investments earned enough for me to end up in Boca.” Could there be a more perfect answer? After all, the whole point of investing is not to earn more money than average, but to earn enough money to meet your own needs. The best way to measure your investing success is not by whether you’re beating the market but by whether you’ve put in place a financial plan and a behavioral discipline that are likely to get you where you want to go. In the end, what matters isn’t crossing the finish line before anybody else but just making sure that you do cross it.
Benjamin Graham (The Intelligent Investor)
there’s someone we were once connected to, and we pass like strangers, and no one could ever guess that we had once meant so much to one another. It was terrifying to me how life could go on without acknowledging what I had invested in, just masking what had once been the true love of my life.
Rochelle B. Weinstein (What We Leave Behind)
After I hire someone and take the time to help them create their own goals, I then see what I can do to make sure they succeed; it is the first way employees recognize my investment in them. I take their goals and put them up in the office, so everyone can see who is striving to do what.
Andres Pira (Homeless To Billionaire: The 18 Principles of Wealth Attraction And Creating Unlimited Opportunity)
When she but mentioned the name of someone whom she admired, one got an instant impression that the person must be wonderful, her voice invested the name with a sort of grace. When she liked people, she always called them by name a great many times in talking to them, and she enunciated the name, no matter how commonplace, in a penetrating way, without hurrying over it or slurring it; and this, accompanied by her singularly direct glance, had a curious effect. When she addressed Aunt Lydia, for instance, she seemed to be speaking to a person deeper down than the blurred, taken-for-granted image of my aunt that I saw every day, and for a moment my aunt became more individual, less matter-of-fact to me.
Willa Cather (My Mortal Enemy)
It has become a cliché that the right teacher, in the right place, at the right moment can change someone’s life. But in this case the truth behind that cliché cannot be overstated. They invested time, effort, and belief into me at a time when nobody else even had me on their radar. They went through my stories line by line, word by word, and comma by comma, showing a very defensive young writer that it was possible to be critical of the work while still supporting the effort behind it. Everything I’ve ever achieved as a writer can all be traced back to the moment these two teachers entered my orbit.
J. Michael Straczynski (Becoming Superman: A Writer's Journey from Poverty to Hollywood with Stops Along the Way at Murder, Madness, Mayhem, Movie Stars, Cults, Slums, Sociopaths, and War Crimes)
You can’t get a miracle without someone dying for it, after all. At the moment of judgment…if someone put his most important thing on the scales before God…his sins are forgiven. That’s why I sold you away that day…to escape my dirty sin called love. Of all the bad deals, that’s one of the worst to make. Huh. Finally. My last moment comes as well. But hold for one more second…until their wish comes true. Oh. I’ve invested myself…rather deeply in them.
Hirotaka Kisaragi (Innocent Bird, Volume 3)
Intuitively, it would be good to know whether someone’s income comes down to influential connections or chance – in which case the beneficiary has done nothing to deserve it and the redistribution ought to be total (a tax rate of 100 percent). Many people share this point of view. Even the most conservative American Republicans, who are opposed to many redistributive policies, think disabled people are not responsible for their condition and society should help them. But if, on the contrary, income is the result of an effort or an investment, there is a convincing argument for a tax rate that leaves room for incentives. The problem is that we have only a vague idea of what generates financial success: Is it effort or circumstances? On this question, economists, sociologists, and psychologists have discovered an astonishing phenomenon: 29 percent of Americans believe that poor people are caught in a poverty trap, and 30 percent believe that success is due to chance and not to effort or education; for Europeans, the figures are 60 percent and 54 percent, respectively.52 Similarly, 60 percent of Americans (including a large proportion of the poor) and only 26 percent of Europeans answered “yes” to the question: Are poor people poor because they are lazy or lack determination?
Jean Tirole (Economics for the Common Good)