Investment Related Quotes

After all, your chances of winning a lottery and of affecting an election are pretty similar. From a financial perspective, playing the lottery is a bad investment. But it's fun and relatively cheap: for the price of a ticket, you buy the right to fantasize how you'd spend the winnings - much as you get to fantasize that your vote will have some impact on policy.

The more invested I am in my own ideas about reality, the more those experiences will feel like victimizations rather than the ups and downs of relating. Actually, I believe that the less I conceptualize things that way, the more likely it is that people will want to stay by me, because they will not feel burdened, consciously or unconsciously, by my projections, judgments, entitlements, or unrealistic expectations.

Pick a leader who will keep jobs in your country by offering companies incentives to hire only within their borders, not one who allows corporations to outsource jobs for cheaper labor when there is a national employment crisis. Choose a leader who will invest in building bridges, not walls. Books, not weapons. Morality, not corruption. Intellectualism and wisdom, not ignorance. Stability, not fear and terror. Peace, not chaos. Love, not hate. Convergence, not segregation. Tolerance, not discrimination. Fairness, not hypocrisy. Substance, not superficiality. Character, not immaturity. Transparency, not secrecy. Justice, not lawlessness. Environmental improvement and preservation, not destruction. Truth, not lies.

A NATION'S GREATNESS DEPENDS ON ITS LEADER To vastly improve your country and truly make it great again, start by choosing a better leader. Do not let the media or the establishment make you pick from the people they choose, but instead choose from those they do not pick. Pick a leader from among the people who is heart-driven, one who identifies with the common man on the street and understands what the country needs on every level. Do not pick a leader who is only money-driven and does not understand or identify with the common man, but only what corporations need on every level. Pick a peacemaker. One who unites, not divides. A cultured leader who supports the arts and true freedom of speech, not censorship. Pick a leader who will not only bail out banks and airlines, but also families from losing their homes -- or jobs due to their companies moving to other countries. Pick a leader who will fund schools, not limit spending on education and allow libraries to close. Pick a leader who chooses diplomacy over war. An honest broker in foreign relations. A leader with integrity, one who says what they mean, keeps their word and does not lie to their people. Pick a leader who is strong and confident, yet humble. Intelligent, but not sly. A leader who encourages diversity, not racism. One who understands the needs of the farmer, the teacher, the doctor, and the environmentalist -- not only the banker, the oil tycoon, the weapons developer, or the insurance and pharmaceutical lobbyist. Pick a leader who will keep jobs in your country by offering companies incentives to hire only within their borders, not one who allows corporations to outsource jobs for cheaper labor when there is a national employment crisis. Choose a leader who will invest in building bridges, not walls. Books, not weapons. Morality, not corruption. Intellectualism and wisdom, not ignorance. Stability, not fear and terror. Peace, not chaos. Love, not hate. Convergence, not segregation. Tolerance, not discrimination. Fairness, not hypocrisy. Substance, not superficiality. Character, not immaturity. Transparency, not secrecy. Justice, not lawlessness. Environmental improvement and preservation, not destruction. Truth, not lies. Most importantly, a great leader must serve the best interests of the people first, not those of multinational corporations. Human life should never be sacrificed for monetary profit. There are no exceptions. In addition, a leader should always be open to criticism, not silencing dissent. Any leader who does not tolerate criticism from the public is afraid of their dirty hands to be revealed under heavy light. And such a leader is dangerous, because they only feel secure in the darkness. Only a leader who is free from corruption welcomes scrutiny; for scrutiny allows a good leader to be an even greater leader. And lastly, pick a leader who will make their citizens proud. One who will stir the hearts of the people, so that the sons and daughters of a given nation strive to emulate their leader's greatness. Only then will a nation be truly great, when a leader inspires and produces citizens worthy of becoming future leaders, honorable decision makers and peacemakers. And in these times, a great leader must be extremely brave. Their leadership must be steered only by their conscience, not a bribe.

Investing isn’t a game - It has a substantive impact on the living of life and the development of civilization. It’s not just about stock tickers and opening bells and timing buys and sells to get a quick profit in the gap…. It effects when and where houses are built, the quality of schools, the accessibility of organic food, the price of solar relative to gasoline…. Investments direct the development of civilization.

Nature is the shape in which the man of higher Cultures synthesizes and interprets the immediate impressions of his senses. History is that from which his imagination seeks comprehension of the living existence of the world in relation to his own life, which he thereby invests with a deeper reality.

1."All rules for study are summed up in this one: learn only in order to create." 2"The human brain is the highest bloom of the whole organic metamorphosis of the earth." 3 "The failure to invest in civil justice is directly related to the increase in criminal disorder. The more people feel there is injustice the more it becomes part of their psyche." 4."Architecture in general is frozen music." ~ Friedrich Wilhelm Joseph Schelling

It was funny, in her old age, to look back and see for how short a period her nest had NOT been empty. Relatively speaking, it was nothing - empty far longer than full. so much of herself had been invested in those children; who could believe how briefly they'd been with her.

Einstein was right about relativity, but even he would have had a difficult time applying relative valuation in today's stock markets.

At Mayflower-Plymouth, our perspective is largely influenced by what we learn from nature. A good investment is like a good fruit tree. From its conception, it grows exponentially larger - consistently and reliably. Its required input is a small percentage relative to its output. It regularly gives back to the broader ecosystem, helping multiple other lives to prosper as well. And it produces an abundance of fruit for the enjoyment of its owner. This is how all good investments are. And this is our perspective at Mayflower-Plymouth.

It is a rather amazing fact that, of the very many dimensions along which the genital activity of one person can be differentiated from that of another (dimensions that include preference for certain acts, certain zones or sensations, certain physical types, a certain frequency, certain symbolic investments, certain relations of age or power, a certain species, a certain number of participants, and so on) precisely one, the gender of the object choice, emerged from the turn of the century, and has remained, as THE dimension denoted by the now ubiquitous category of 'sexual orientation.

So why bother investing in one’s memory in an age of externalized memories? The best answer I can give is the one I received unwittingly from EP, whose memory had been so completely lost that he could not place himself in time or space, or relative to other people. That is: How we perceive the world and how we act in it are products of how and what we remember. We’re all just a bundle of habits shaped by our memories. And to the extent that we control our lives, we do so by gradually altering those habits, which is to say the networks of our memories. No lasting joke, invention, insight, or work of art was ever produced by an external memory. Not yet, at least. Our ability to find humor in the world, to make connections between previously unconnected notions, to create new ideas, to share in a common culture: All these essentially human acts depend on memory. Now more than ever, as the role of memory in our culture erodes at a faster pace than ever before, we need to cultivate our ability to remember. Our memories make us who we are. They are the seat of our values and source of our character.

(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.

When we are talking about cash flow - once again, nature is a great teacher. Cash is simply the base resource with which most activities predicate. In nature, cash is symbolized by water. Rarely is anything in nature ever lacking water. Even in the deserts, the life forms that live and grow there have figured out ‘cash flow’ or ‘water flow’…. They’ve figured out how to manage the flow of water relative to the tasks and objectives which require its use. If a cactus in the desert can figure out how to manage the flow of water relative to the tasks and objectives which require its use… then we can figure out how to manage the flow of cash relative to the tasks and objectives which require its use. If nature can invest wisely, so can we.

The key turning point in my investment management career came when I concluded that because the notion of market efficiency has relevance, I should limit my efforts to relatively inefficient markets where hard work and skill would pay off best.

Anybody can throw a basketball toward a hoop. But only a relative few can exercise the athletic prowess of dribbling down the court, account for and surpass a variety of obstacles, and actually get the ball into the hoop consistently and repetitively contributing toward an ultimate win for the team. In the same way, anyone can open an investment account with M1 or Acorns or Robinhood or Cashapp… or even with the big guys like Ameritrade or Fidelity or Charles Schwabb or Morgan Stanley… but only a relative few can navigate an ever-changing economic paradigm, overcome various financial, legal and social obstacles, maintaining alignment with values, and achieve substantial growth and profits - contributing toward an ultimate win for the team. It’s better to hire a professional investor if you expect professional results.

What was it about the fig tree that was unsatisfactory to Jesus? Well if we use our context clues, we can deduce that the only thing that made this fig tree different than all of the other fig trees that Jesus must have encountered is that it was unfruitful - it was unproductive relative to its potential. To be a fig tree that does not produce figs is an insult to the creator, and arguably a waste of space - a bad investment.

Seize the opportunity in front of you. Imagine. Invent. Disrupt. Do good. I know that you must be passionate, unreasonable, and a little bit crazy to follow your own ideas and do things differently. But it’s worth it. Life grows relative to one’s investment in it.

When the question is difficult and a skilled solution is not available, intuition still has a shot: an answer may come to mind quickly—but it is not an answer to the original question. The question that the executive faced (should I invest in Ford stock?) was difficult, but the answer to an easier and related question (do I like Ford cars?) came readily to his mind and determined his choice. This is the essence of intuitive heuristics: when faced with a difficult question, we often answer an easier one instead, usually without noticing the substitution.

You need a personal definition of success. Looking around you to see if you’re succeeding is no longer a realistic option. Trying to be a relative success compared to others is dangerous. This means your level of effort and investment is determined by theirs, which keeps you running full speed all the time to keep up.

write these pages, Japan and the U.S. are still practicing widespread selective denial of major problems. Japan currently acknowledges some problems (its large government debt and aging population), and incompletely acknowledges the issue of Japanese women’s role. But Japan still denies other problems: its lack of accepted alternatives to immigration for solving its demographic difficulties; the historical causes of Japan’s tense relations with China and Korea; and denial that Japan’s traditional policy of seeking to grab overseas natural resources rather than to help manage them sustainably is now outdated. The U.S., as I write, is still in widespread denial of our own major problems: political polarization, low voter turnout, obstacles to voter registration, inequality, limited socio-economic mobility, and decreasing government investment in public goods.

It is impossible to say whether an asset class valuation is cheap or expensive in isolation. The valuation of an asset is relative to the valuations of all other assets.

When the Western world accepted Christianity, Caesar conquered; and the received text of Western theology was edited by his lawyers.

Identical information can lead to opposite conclusions based on relative perceptions of its receivers.

Life grows relative to one’s investment in it.

the self does not grow as a consequence of pleasurable experiences. Complexity requires investing psychic energy in goals that are new, that are relatively challenging.

Investing in customer service is key to long-term business success.

Getting responses on "Through the Milky Way" that it is creating an emotional investment by some of my readers. A gentleman I have know for awhile took the book on a vacation to the beach. While reading it, his wife came up to him and asked him why he was crying. He told her the book was sad and something he could relate to. Had others with the same response.

We have seen that experience depends on the way we invest psychic energy—on the structure of attention. This, in turn, is related to goals and intentions. These processes are connected to each other by the self, or the dynamic mental representation we have of the entire system of our goals. These are the pieces that must be maneuvered if we wish to improve things.

The question that the executive faced (should I invest in Ford stock?) was difficult, but the answer to an easier and related question (do I like Ford cars?) came readily to his mind and determined his choice. This is the essence of intuitive heuristics: when faced with a difficult question, we often answer an easier one instead, usually without noticing the substitution.

Chinese authorities demonstrated during the climate-related civil war that began in Sudan in 2003 that they would support mass murderers when doing so seemed to serve their investments. In

Do I feel empathy for Trump voters? That’s a question I’ve asked myself a lot. It’s complicated. It’s relatively easy to empathize with hardworking, warmhearted people who decided they couldn’t in good conscience vote for me after reading that letter from Jim Comey . . . or who don’t think any party should control the White House for more than eight years at a time . . . or who have a deeply held belief in limited government, or an overriding moral objection to abortion. I also feel sympathy for people who believed Trump’s promises and are now terrified that he’s trying to take away their health care, not make it better, and cut taxes for the superrich, not invest in infrastructure. I get it. But I have no tolerance for intolerance. None. Bullying disgusts me. I look at the people at Trump’s rallies, cheering for his hateful rants, and I wonder: Where’s their empathy and understanding? Why are they allowed to close their hearts to the striving immigrant father and the grieving black mother, or the LGBT teenager who’s bullied at school and thinking of suicide? Why doesn’t the press write think pieces about Trump voters trying to understand why most Americans rejected their candidate? Why is the burden of opening our hearts only on half the country? And yet I’ve come to believe that for me personally and for our country generally, we have no choice but to try. In the spring of 2017, Pope Francis gave a TED Talk. Yes, a TED Talk. It was amazing. This is the same pope whom Donald Trump attacked on Twitter during the campaign. He called for a “revolution of tenderness.” What a phrase! He said, “We all need each other, none of us is an island, an autonomous and independent ‘I,’ separated from the other, and we can only build the future by standing together, including everyone.” He said that tenderness “means to use our eyes to see the other, our ears to hear the other, to listen to the children, the poor, those who are afraid of the future.

Randomness and luck are related, but there is a useful distinction between the two. You can think of randomness as operating at the level of a system and luck operating at the level of the individual.

Living out radically ordinary Christian hospitality means knowing that your relationship with others must be as strong as your words. The balance cannot tip here. Having strong words and a weak relationship with your neighbor is violent. It captures the violent carelessness of our social media–infused age. That is not how neighbors talk with each other. That is not how image bearers of the same God relate to one another. Radically ordinary hospitality values the time it takes to invest in relationships, to build bridges, to repent of sins of the past, to reconcile. Bridge building and remaking friendships cannot be rushed.

Even a relatively mild inflation distorts the structure of production. It leads to the overexpansion of some industries at the expense of others. This involves a misapplication and waste of capital. When the inflation collapses, or is brought to a halt, the misdirected capital investment—whether in the form of machines, factories or office buildings—cannot yield an adequate return and loses the greater part of its value.

How do you solve a problem as old as the United States? Gentrification may be a relatively recent phenomenon, but as geographer Neil Smith notes, it's really just the continuation of the 'locational seesaw' - capital moves to one place seeking high profits, then, when that place becomes less profitable, it moves to another place. The real estate industry is always looking for new markets in which it can revitalize its profit rate. Fifty years ago that place was suburbs. Today it's cities. But that's only half the explanation for gentrification. In order to understand why cities are so attractive to invest in, it's important to understand what made them bargains for real estate speculators in the first place. It may sound obvious, but gentrification could not happen without something to gentrify. Truly equitable geographies would be largely un-gentrifiable ones. So first, geographies have to be made unequal.

It is for this reason that pleasure is so evanescent, and that the self does not grow as a consequence of pleasurable experiences. Complexity requires investing psychic energy in goals that are new, that are relatively challenging.

Institutional managers care not only about investment risk but also, perhaps more acutely, about career risk. Many managers cannot afford to follow a winning strategy if it involves enduring long stretches of relative underperformance.

Conversely, as such a stock rises to, say, 50 or 60 or 70, the urge to sell and take a profit now that the stock is “high” becomes irresistible to many people. Giving in to this urge can be very costly. This is because the genuinely worthwhile profits in stock investing have come from holding the surprisingly large number of stocks that have gone up many times from their original cost. The only true test of whether a stock is “cheap” or “high” is not its current price in relation to some former price, no matter how accustomed we may have become to that former price, but whether the company’s fundamentals are significantly more or less favorable than the current financial-community appraisal of that stock.

We are taught to believe that having deep passions is foolish at best and dangerous at worst. We live in a cultural moment that is suspicious of ardent desires and strong commitments, propagating the idea that few things in life matter, that we have outlived ideals and ethical principles, and that comprehensive cultural change is impossible. Many of us have adopted the view that because we cannot remedy the enormous inequalities of the social world, we should not even bother to try. We have resigned ourselves to the idea that in the long haul nothing we do has any real impact and that caring too much is consequently a waste of our energies. By the same token, our (postmodern and sophisticated) recognition that meaning is inherently relative at times causes us to stop looking for meaning altogether. Though we are surrounded by a multitude of objects, artifacts, cultural icons, and shimmering images, few of these items manage to affect us on a deep level. In some ways, we are increasingly reconciled to the idea that the best we can do is to avoid the more crushing disillusionments of life–that the less we invest ourselves, the more inoculated we are against the misfortunes of the world.

By 1860, two of every three of the relatively few Americans whose wealth surpassed $100,000 lived below the Mason-Dixon Line. New York at that time had fewer millionaires per capita than Mississippi. South Carolina was the richest state in the Union. The source of southern wealth was staple crops—particularly cotton—produced by enslaved men, women, and children for world markets. So matchless were the profits that more money was invested in slaves than in industry and railroads.

Selling your house, giving away possessions, working multiple jobs for a period of time, going back to school and moving in with friends or relatives, sharing a car with your partner and riding your bike more, investing all your savings in a new venture, living on the other side of the world for a year— your friends may not understand, your co-workers may not get it, your extended family may think you’ve lost your mind— that’s okay. Better to receive some odd looks and have a few people roll their eyes than spend your days wondering, What if I did that . . . ? Take that step. Make that leap. Try that new thing. If it helps clarify your ikigai, if it gets you up in the morning, if it’s good for you and the world, do it.

In one study, elite violinists had separated themselves from all others by each accumulating more than 10,000 hours of practice by age 20. Thus the rule. Many elite performers complete their journey in about ten years, which, if you do the math, is an average of about three hours of deliberate practice a day, every day, 365 days a year. Now, if your ONE Thing relates to work and you put in 250 workdays a year (five days a week for 50 weeks), to keep pace on your mastery journey you’ll need to average four hours a day. Sound familiar? It’s not a random number. That’s the amount of time you need to time block every day for your ONE Thing. More than anything else, expertise tracks with hours invested. Michelangelo once said, “If the people knew how hard I had to work to gain my mastery, it wouldn’t seem wonderful at all.” His point is obvious. Time on a task, over time, eventually beats talent every time. I’d say you can “book that,” but actually you should “block it.

When you are in a state of cognitive ease, you are probably in a good mood, like what you see, believe what you hear, trust your intuitions, and feel that the current situation is comfortably familiar. You are also likely to be relatively casual and superficial in your thinking. When you feel strained, you are more likely to be vigilant and suspicious, invest more effort in what you are doing, feel less comfortable, and make fewer errors, but you also are less intuitive and less creative than usual.

Your competitive advantage is formed by the interplay of three different, ever-changing forces: your assets, your aspirations/values, and the market realities, i.e., the supply and demand for what you offer the marketplace relative to the competition. The

1. Project What is the project? Why is it unique? Why is the business needed? Why will customers love your product? 2. Partners Who are you? Who are the partners? What are your educational backgrounds? How much experience do you all have? How are you and your partners qualified to make the project a success? 3. Financing What is the total cost of the project? How much debt and how much equity is there? Are partners investing their own money? What is the investor’s return and reward for their risk? What are the tax consequences? Who is your CFO or accounting firm? Who is responsible for investor communications? What is the investor’s exit? 4. Management Who is running your company? What is their experience? What is their track record? Have they ever failed? How does their experience relate to your industry? Do you believe this is the strongest management team you can assemble? Can you pitch them with confidence?

Thus it was that, beginning in about the ninth century, the growing monastic estates came to resemble well-organized and stable firms that pursued complex commercial activities within a relatively free market, investing in productive activities involving a hired workforce, guided by anticipated and actual returns.

Bud, you had to bribe the shit out of numerous Shanghai cops. There was no reason to economize here. Bud had a rich and boundless career ahead of him, vaulting up a hierarchy of extremely dangerous drug-related occupations for which decoy served as a paid audition of sorts. A start weapons system was a wise investment.

Relatively homogeneous societies invest more in public goods, indicating a higher level of public altruism. For example, the degree of ethnic homogeneity correlates with the government's share of gross domestic product as well as the average wealth of citizens. Case studies of the United States find that multi-ethnic societies are less charitable and less able to cooperate to develop public infrastructure. A recent multi-city study of municipal spending on public goods in the United States found that ethnically or racially diverse cities spend a smaller portion of their budgets and less per capita on public services than do the more homogeneous cities.

I believe that everyone should keep a reserve of liquidity outside their portfolio to meet family emergencies. While a portfolio can be part liquidated relatively quickly, there have been times, such as the secondary banking crisis of the early 1970s or the 2008 subprime/banking crash, when markets have plunged and stocks have become almost unsaleable.

Intensified policing, when divorced from an engagement with the public, does little to improve collective efficacy. Instead, it increases fear of crime, corrodes community-police relations, and delegitimizes police in the eyes of residents. Rather than residents feeling invested in crime prevention, they become fearful of both the criminals and the police.

Most of the institutions that come in to offer help after disaster don't have the resources to provide concrete help. . . . Donor communities invest billions funding peace talks and disarmament. Then they stop. The most important part of postwar help is missing: providing basic social services to people. Not having those resources might have been a reason men went to war in the first place; they crossed a border and joined an armed group because they didn't have jobs. In Liberia right now, there are hundreds of thousands of unemployed young people, and they're ready-made mercenaries for wars in West Africa. You'd think the international community would be sensible enough to know they should work to change this. But they aren't.

But the body is also directly involved in a political field; power relations have an immediate hold upon it; they invest it, mark it, train it, torture it, force it to carry out tasks, to perform ceremonies, to emit signs. The political investment of the body is bound up, in accordance with complex reciprocal relations, with its economic use; it is largely as a force of production that the body is invested with relations of power and domination; but, on the other hand, its constitution as labour power is possible only if it is caught up in a system of subjection (in which need is also a political instrument meticulously prepared, calculated and used); the body becomes a useful force only if it is both a productive body and a subjected body. This subjection is not only obtained by the instruments of violence or ideology; it can also be direct, physical, pitting force against force, bearing on material elements, and yet without involving violence; it may be calculated, organized, technically thought out; it may be subtle, make use neither of weapons nor of terror and yet remain of a physical order.

Homelessness was fed by racism, income inequality, and a cascade of other related forces. These included insufficient investments in public housing, as well as tax and zoning codes that had spurred widespread gentrification and driven up rents. Many poor and moderately poor Americans lived with the fear of losing housing, which can itself harm bodies and minds as well as social relations in families. One recent study had found that “unstable housing” was accompanied by a twofold increase in diabetic emergencies. Illnesses such as diabetes, and all sorts of accidents and injuries, could lead to homelessness, which itself bred other illnesses, such as PTSD—redefined by one practitioner of street medicine as “persistent traumatic stress disorder.

What we found was that when people were pursuing leisure activities that were expensive in terms of the outside resources required—activities that demanded expensive equipment, or electricity, or other forms of energy measured in BTUs, such as power boating, driving, or watching television—they were significantly less happy than when involved in inexpensive leisure. People were happiest when they were just talking to one another, when they gardened, knitted, or were involved in a hobby; all of these activities require few material resources, but they demand a relatively high investment of psychic energy. Leisure that uses up external resources, however, often requires less attention, and as a consequence it generally provides less memorable rewards.

There is a vast difference between being a Christian and being a disciple. The difference is commitment. Motivation and discipline will not ultimately occur through listening to sermons, sitting in a class, participating in a fellowship group, attending a study group in the workplace or being a member of a small group, but rather in the context of highly accountable, relationally transparent, truth-centered, small discipleship units. There are twin prerequisites for following Christ - cost and commitment, neither of which can occur in the anonymity of the masses. Disciples cannot be mass produced. We cannot drop people into a program and see disciples emerge at the end of the production line. It takes time to make disciples. It takes individual personal attention. Discipleship training is not about information transfer, from head to head, but imitation, life to life. You can ultimately learn and develop only by doing. The effectiveness of one's ministry is to be measured by how well it flourishes after one's departure. Discipling is an intentional relationship in which we walk alongside other disciples in order to encourage, equip, and challenge one another in love to grow toward maturity in Christ. This includes equipping the disciple to teach others as well. If there are no explicit, mutually agreed upon commitments, then the group leader is left without any basis to hold people accountable. Without a covenant, all leaders possess is their subjective understanding of what is entailed in the relationship. Every believer or inquirer must be given the opportunity to be invited into a relationship of intimate trust that provides the opportunity to explore and apply God's Word within a setting of relational motivation, and finally, make a sober commitment to a covenant of accountability. Reviewing the covenant is part of the initial invitation to the journey together. It is a sobering moment to examine whether one has the time, the energy and the commitment to do what is necessary to engage in a discipleship relationship. Invest in a relationship with two others for give or take a year. Then multiply. Each person invites two others for the next leg of the journey and does it all again. Same content, different relationships. The invitation to discipleship should be preceded by a period of prayerful discernment. It is vital to have a settled conviction that the Lord is drawing us to those to whom we are issuing this invitation. . If you are going to invest a year or more of your time with two others with the intent of multiplying, whom you invite is of paramount importance. You want to raise the question implicitly: Are you ready to consider serious change in any area of your life? From the outset you are raising the bar and calling a person to step up to it. Do not seek or allow an immediate response to the invitation to join a triad. You want the person to consider the time commitment in light of the larger configuration of life's responsibilities and to make the adjustments in schedule, if necessary, to make this relationship work. Intentionally growing people takes time. Do you want to measure your ministry by the number of sermons preached, worship services designed, homes visited, hospital calls made, counseling sessions held, or the number of self-initiating, reproducing, fully devoted followers of Jesus? When we get to the shore's edge and know that there is a boat there waiting to take us to the other side to be with Jesus, all that will truly matter is the names of family, friends and others who are self initiating, reproducing, fully devoted followers of Jesus because we made it the priority of our lives to walk with them toward maturity in Christ. There is no better eternal investment or legacy to leave behind.

As soon as two people have resolved to give up their togetherness, the resulting pain with its heaviness or particularity is already so completely part of the life of each individual that the other has to sternly deny himself to become sentimental and feel pity. The beginning of the agreed-upon separation is marked precisely by this pain, and its first challenge will be that this pain already belongs separately to each of the two individuals. This pain is an essential condition of what the now solitary and most lonely individual will have to create in the future out of his reclaimed life. If two people managed not to get stuck in hatred during their honest struggles with each other, that is, in the edges of their passion that became ragged and sharp when it cooled and set, if they could stay fluid, active, flexible, and changeable in all of their interactions and relations, and, in a word, if a mutually human and friendly consideration remained available to them, then their decision to separate cannot easily conjure disaster and terror. When it is a matter of a separation, pain should already belong in its entirety to that other life from which you wish to separate. Otherwise the two individuals will continually become soft toward each other, causing helpless and unproductive suffering. In the process of a firmly agreed-upon separation, however, the pain itself constitutes an important investment in the renewal and fresh start that is to be achieved on both sides. People in your situation might have to communicate as friends. But then these two separated lives should remain without any knowledge of the other for a period and exist as far apart and as detached from the other as possible. This is necessary for each life to base itself firmly on its new requirements and circumstances. Any subsequent contact (which may then be truly new and perhaps very happy) has to remain a matter of unpredictable design and direction. If you find that you scare yourself.

Mankind is a self-domesticated animal; a mammal; an ape; a social ape; an ape in which the male takes the iniative in courtship and females usually leave the society of their birth; an ape in which men are predators, women herbivorous foragers; an ape in which males are relatively hierarchical, females relatively egalitarian; an ape in which males contribute unusually large amounts of investment in the upbringing of their offspring by provisioning their mates and their children with food, protection, and company; an ape in which monogamous pair bonds are the rule but many males have affairs and occasional males achieve polygamy; an ape in which females mated to low-ranking males often cuckold their husbands in order to gain access to the genes of higher-ranking males; an ape that has been subject to unusually intense mutual sexual selection so that many of the features of the female body (lips, breasts, waists) and the mind of both sexes (songs, competitive ambition, status seeking) are designed for use in competition for mates; an ape that has developed an extraordinary range of new instincts to learn by association, to communicate by speech, and to pass on traditions. But still an ape.

Apple raised $17 billion in a bond offering in 2013. Not to invest in new products or business lines, but to pay a dividend to stockholders. The company is awash with cash, but much of that money is overseas, and there would be a tax charge if it were repatriated to the USA. For many other companies, the tax-favoured status of debt relative to equity encourages financial engineering. Most large multinational companies have corporate and financial structures of mind-blowing complexity. The mechanics of these arrangements, which are mainly directed at tax avoidance or regulatory arbitrage, are understood by only a handful of specialists. Much of the securities issuance undertaken by Goldman Sachs was not ‘helping companies to grow’ but represented financial engineering of the kind undertaken at Apple. What

Consider again the mated pair with which we began the chapter. Both partners, as selfish machines, ‘want’ sons and daughters in equal numbers. To this extent they agree. Where they disagree is in who is going to bear the brunt of the cost of rearing each one of those children. Each individual wants as many surviving children as possible. The less he or she is obliged to invest in any one of those children, the more children he or she can have. The obvious way to achieve this desirable state of affairs is to induce your sexual partner to invest more than his or her fair share of resources in each child, leaving you free to have other children with other partners. This would be a desirable strategy for either sex, but it is more difficult for the female to achieve. Since she starts by investing more than the male, in the form of her large, food-rich egg, a mother is already at the moment of conception ‘committed’ to each child more deeply than the father is. She stands to lose more if the child dies than the father does. More to the point, she would have to invest more than the father in the future in order to bring a new substitute child up to the same level of development. If she tried the tactic of leaving the father holding the baby, while she went off with another male, the father might, at relatively small cost to himself, retaliate by abandoning the baby too. Therefore, at least in the early stages of child development, if any abandoning is going to be done, it is likely to be the father who abandons the mother rather than the other way around. Similarly, females can be expected to invest more in children than males, not only at the outset, but throughout development. So, in mammals for example, it is the female who incubates the foetus in her own body, the female who makes the milk to suckle it when it is born, the female who bears the brunt of the load of bringing it up and protecting it. The female sex is exploited, and the fundamental evolutionary basis for the exploitation is the fact that eggs are larger than sperms.

Giving God absolute first place in relation to every other reality (work, relationships, etc.) is the only way of establishing a right relationship to things that involves a genuine investment and a healthy detachment enabling us to safeguard our inner freedom and the unity of our lives. Otherwise we fall into indifference and carelessness or, just the opposite, into dependency, invasiveness, distraction, and needless anguish. The

Last night, I spoke at one of the Circle Meetings of the Baptist Church. Afterward, a Kenyan friend, Wangari Waigwa-Stone, and I spoke about darkness and stars. “I was raised under an African sky,” she said. “Darkness was never something I was afraid of. The clarity, definition, and profusion of stars became maps as to how one navigates at night. I always knew where I was simply by looking up.” She paused. “My sons do not have these guides. They have no relationship to darkness, nothing in their imagination tells them there are pathways in the night they can move through.” “I have a Norwegian friend who says, ‘City lights are a conspiracy against higher thought,’ ” I added. “Indeed,” Wangari said, smiling, her rich, deep voice resonating. “I am Kikuyu. My people believe if you are close to the Earth, you are close to people.” “How so?” I asked. “What an African woman nurtures in the soil will eventually feed her family. Likewise, what she nurtures in her relations will ultimately nurture her community. It is a matter of living the circle. “Because we have forgotten our kinship with the land,” she continued, “our kinship with each other has become pale. We shy away from accountability and involvement. We choose to be occupied, which is quite different from being engaged. In America, time is money. In Kenya, time is relationship. We look at investments differently.

is turning all life into a unified flow experience. If a person sets out to achieve a difficult enough goal, from which all other goals logically follow, and if he or she invests all energy in developing skills to reach that goal, then actions and feelings will be in harmony, and the separate parts of life will fit together—and each activity will “make sense” in the present, as well as in view of the past and of the future. In such a way, it is possible to give meaning to one’s entire life. But isn’t it incredibly naive to expect life to have a coherent overall meaning? After all, at least since Nietzsche concluded that God was dead, philosophers and social scientists have been busy demonstrating that existence has no purpose, that chance and impersonal forces rule our fate, and that all values are relative and hence arbitrary. It is true that life has no meaning, if by that we mean a supreme goal built into the fabric of nature and human experience, a goal that is valid for every individual. But it does not follow that life cannot be given meaning. Much of what we call culture and civilization consists in efforts people have made, generally against overwhelming odds, to create a sense of purpose for themselves and their descendants. It is one thing to recognize that life is, by itself, meaningless. It is another thing entirely to accept this with resignation. The first fact does not entail the second any more than the fact that we lack wings prevents us from flying. From the point of view of an individual, it does not matter what the ultimate goal is—provided it is compelling enough to order a lifetime’s worth of psychic energy. The challenge might involve the desire to have the best beer-bottle collection in the neighborhood, the resolution to find a cure for cancer, or simply the biological imperative to have children who will survive and prosper. As long as it provides clear objectives, clear rules for action, and a way to concentrate and become involved, any goal can serve to give meaning to a person’s life. In the past few years I have come to be quite well acquainted with several Muslim professionals—electronics engineers, pilots, businessmen, and teachers, mostly from Saudi Arabia and from the other Gulf states. In talking to them, I was struck with how relaxed most of them seemed to be even under strong pressure. “There is nothing to it,” those I asked about it told me, in different words, but with the same message: “We don’t get upset because we believe that our life is in God’s hands, and whatever He decides will be fine with us.” Such implicit faith used to be widespread in our culture as well, but it is not easy to find it now. Many of us have to discover a goal that will give meaning to life on our own, without the help of a traditional faith.

Like, suppose Massachusetts were to increase business taxes. Most of the population is in favor of it, but you can predict what would happen. Business would run a public relations campaign―which is true, in fact, it's not lies―saying, "You raise taxes on business, you soak the rich, and you'll find that capital is going to flow elsewhere, and you're not going to have any jobs, you're not going to have anything." That's not the way they'd put it exactly, but that's what it would amount to: "Unless you make us happy you're not going to have anything, because we own the place; you live here, but we own the place." And in fact, that's basically the message that is presented, not in those words of course, whenever a reform measure does come along somewhere―they have a big propaganda campaign saying, it's going to hurt jobs, it's going to hurt investment, there's going to be a loss of business confidence, and so on. That's just a complicated way of saying, unless you keep business happy, the population isn't going to have anything.

A Politico article in November 2020 claimed that Biden’s eventual win in Georgia was related to Democrats’ massive efforts to fight so-called “voter suppression tactics,” the left’s terminology for ensuring that election fraud is limited by removing ineligible voters from polling books, having voters submit identification, and limiting the participation of outside parties in the secret voting process.56 Democrats did invest in the project, spending tens of millions of dollars to challenge and change voter integrity laws.

In the immediate postbubble period, the wealth effect of asset price movements has a bigger impact on economic growth rates than monetary policy does. People tend to underestimate the size of this effect. In the early stages of a bubble bursting, when stock prices fall and earnings have not yet declined, people mistakenly judge the decline to be a buying opportunity and find stocks cheap in relation to both past earnings and expected earnings, failing to account for the amount of decline in earnings that is likely to result from what’s to come. But the reversal is self-reinforcing. As wealth falls first and incomes fall later, creditworthiness worsens, which constricts lending activity, which hurts spending and lowers investment rates while also making it less appealing to borrow to buy financial assets. This in turn worsens the fundamentals of the asset (e.g., the weaker economic activity leads corporate earnings to chronically disappoint), leading people to sell and driving down prices further. This has an accelerating downward impact on asset prices, income, and wealth.

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The various causes of ease or strain have interchangeable effects. When you are in a state of cognitive ease, you are probably in a good mood, like what you see, believe what you hear, trust your intuition, and feel that the current situation is comfortably familiar. You are also likely to be relatively casual and superficial in your thinking. When you feel strained, you are more likely to be vigilant and suspicious, invest more effort in what you are doing, feel less comfortable, and make fewer errors, but you also are less intuitive and less creative as usual.

The various causes of ease or strain have interchangeable effects. When you are in a state of cognitive ease, you are probably in a good mood, like what you see, believe what you hear, trust your intuitions, and feel that the current situation is comfortably familiar. You are also likely to be relatively casual and superficial in your thinking. When you feel strained, you are more likely to be vigilant and suspicious, invest more effort in what you are doing, feel less comfortable, and make fewer errors, but you also are less intuitive and less creative than usual.

It’s unnecessary and undesirable to limit our readings to medically related texts (she notes that when reading Ivan Ilyich doctors get bogged down arguing about whether the title character of Tolstoy’s novella had gastric cancer or pancreatic cancer, missing the point entirely); that literature helps dismantle the “hidden curriculum,” the teaching that our patients are somehow fundamentally different from us and we from them; that immersing ourselves in imaginary worlds populated by imaginary people and investing emotionally in their problems is excellent training for empathy.

If the body is no longer a site of otherness but of identification, then we have urgently to become reconciled with it, repair it, perfect it, turn it into an ideal object. Everyone treats their bodies the way men treat women in projective identification: they invest them as a fetish, making an autistic cult of them, subjecting them to a quasi-incestuous manipulation. And it is the body's resemblance to its model which becomes a source of eroticism and 'white' seduction -- in the sense that it effects a kind of white magic of identity, as opposed to the black magic of otherness. This is how it is with body-building: you get into your body as you would into a suit of nerve and muscle. The body is not muscular, but muscled. It is the same with the brain and with social relations or exchanges: body-building, brainstorming, word-processing. Madonna is the ideal specimen of this, our muscled Immaculate Conception, our muscular angel who delivers us from the weaknesses of the body (pity the poor shade of Marilyn!). The sheath of muscles is the equivalent of character armour. In the past, women merely wrapped themselves in their image and their finery -- Freud speaks of those people who live with a kind of inner mirror, in a fleshly, happy self-reference. That narcissistic ideal is past and gone; body-building has wiped it out and replaced it with a gymnastic Ego-Ideal -- cold, hard, stressed, artificial self-reference. The construction of a double, of a physical and mental identity shell. Thus, in `body simulation', where you can animate your body remotely at any moment, the phantasy of being present in more than one body becomes an operational reality. An extension of the human being. And not a metaphorical or poetic extension, as in Pessoa's heteronyms, but quite simply a technical one.

In fact this desire for consonance in the apocalyptic data, and our tendency to be derisive about it, seem to me equally interesting. Each manifests itself, in the presence of the other, in most of our minds. We are all ready to be sceptical about Father Marystone, but we are most of us given to some form of 'centurial mysticism,' and even to more extravagant apocalyptic practices: a point I shall be taking up in my fourth talk. What it seems to come to is this. Men in the middest make considerable imaginative investments in coherent patterns which, by the provision of an end, make possible a satisfying consonance with the origins and with the middle. That is why the image of the end can never be permanently falsified. But they also, when awake and sane, feel the need to show a marked respect for things as they are; so that there is a recurring need for adjustments in the interest of reality as well as of control. This has relevance to literary plots, images of the grand temporal consonance; and we may notice that there is the same co-existence of naïve acceptance and scepticism here as there is in apocalyptic. Broadly speaking, it is the popular story that sticks most closely to established conventions; novels the clerisy calls 'major' tend to vary them, and to vary them more and more as time goes by. I shall be talking about this in some detail later, but a few brief illustrations might be useful now. I shall refer chiefly to one aspect of the matter, the falsification of one's expectation of the end. The story that proceeded very simply to its obviously predestined end would be nearer myth than novel or drama. Peripeteia, which has been called the equivalent, in narrative, of irony in rhetoric, is present in every story of the least structural sophistication. Now peripeteia depends on our confidence of the end; it is a disconfirmation followed by a consonance; the interest of having our expectations falsified is obviously related to our wish to reach the discovery or recognition by an unexpected and instructive route. It has nothing whatever to do with any reluctance on our part to get there at all. So that in assimilating the peripeteia we are enacting that readjustment of expectations in regard to an end which is so notable a feature of naïve apocalyptic. And we are doing rather more than that; we are, to look at the matter in another way, re-enacting the familiar dialogue between credulity and scepticism. The more daring the peripeteia, the more we may feel that the work respects our sense of reality; and the more certainly we shall feel that the fiction under consideration is one of those which, by upsetting the ordinary balance of our naïve expectations, is finding something out for us, something real. The falsification of an expectation can be terrible, as in the death of Cordelia; it is a way of finding something out that we should, on our more conventional way to the end, have closed our eyes to. Obviously it could not work if there were not a certain rigidity in the set of our expectations.

The DRD4 gene has variations called alleles that differ in the number of times a segment of the gene repeats itself. The most common versions are either the 4-repeat allele, which is carried by approximately three-quarters of the population, or the 7-repeat (or more) allele. The presence of the higher-repeating alleles (7 or more) has been shown to be related to reduced sensitivity to dopamine. A reduced sensitivity to dopamine requires relatively more stimulation to provoke the same internal reward. People with at least one allele of 7-repeats or longer are more likely to engage in novelty-seeking or compulsive gambling.

Here are my simple rules for identifying market tops and bottoms: 1. Market tops are relatively easy to recognize. Buyers generally become overconfident and almost always believe “this time is different.” It’s usually not. 2. There’s always a surplus of relatively cheap debt capital to finance acquisitions and investments in a hot market. In some cases, lenders won’t even charge cash interest, and they often relax or suspend typical loan restrictions as well. Leverage levels escalate compared to historical averages, with borrowing sometimes reaching as high as ten times or more compared to equity. Buyers will start accepting overoptimistic accounting adjustments and financial forecasts to justify taking on high levels of debt. Unfortunately most of these forecasts tend not to materialize once the economy starts decelerating or declining. 3. Another indicator that a market is peaking is the number of people you know who start getting rich. The number of investors claiming outperformance grows with the market. Loose credit conditions and a rising tide can make it easy for individuals without any particular strategy or process to make money “accidentally.” But making money in strong markets can be short-lived. Smart investors perform well through a combination of self-discipline and sound risk assessment, even when market conditions reverse.

Whites, it must frankly be said, are not putting in a similar mass effort to reeducate themselves out of their racial ignorance. It is an aspect of their sense of superiority that the white people of America believe they have so little to learn. The reality of substantial investment to assist Negroes into the twentieth century, adjusting to Negro neighbors and genuine school integration, is still a nightmare for all too many white Americans. White America would have liked to believe that in the past ten years a mechanism had somehow been created that needed only orderly and smooth tending for the painless accomplishment of change. Yet this is precisely what has not been achieved.

That’s why it is so dangerous to use infatuation as a sign to pursue a relationship. If you and I don’t know the difference between infatuation and love, we are destined to make some of the dumbest and most regrettable decisions we’ll ever make. These bad decisions come with heavy and painful price tags. So you see, it’s imperative in this tricky business of “falling in love” that we take the time to clearly define what we mean by the word “love.” The investment will pay off handsomely. We can actually learn how to avoid future relational baggage and how to recognize authentic love relationships when we clarify two crucial issues: (1) what love is, and (2) what the difference is between love and infatuation.

One can even imagine that inflation tends to improve the relative position of the wealthiest individuals compared to the least wealthy, in that it enhances the importance of financial managers and intermediaries. A person with 10 or 50 million euros cannot afford the money managers that Harvard has but can nevertheless pay financial advisors and stockbrokers to mitigate the effects of inflation. By contrast, a person with only 10 or 50 thousand euros to invest will not be offered the same choices by her broker (if she has one): contacts with financial advisors are briefer, and many people in this category keep most of their savings in checking accounts that pay little or nothing and/or savings accounts that pay little more than the rate of inflation.

To the extreme of this feeling I was ever a victim. The heavy responsibility, often suddenly and unexpectedly imposed—the struggle for success, when success was all but hopeless—the intense anxiety for the arrival of those critical periods which change the character of a malady, and divest it of some of its dangers, or invest it with new ones—the despondence when that period has come only to confirm all the worst symptoms, and shut out every prospect of recovery—and, last of all, that most trying, of all the trying duties of my profession, the breaking to the perhaps unconscious relatives, that my art had failed, my resources were exhausted, in a word, that there was no longer a hope. These things have preyed on me for weeks, for months long, and many

While there is widespread recognition that the War on Drugs is racist and that politicians have refused to invest in jobs or schools in their communities, parents of offenders and ex-offenders still feel intense shame—shame that their children have turned to crime despite the lack of obvious alternatives. One mother of an incarcerated teen, Constance, described her angst this way: “Regardless of what you feel like you’ve done for your kid, it still comes back on you, and you feel like, ‘Well, maybe I did something wrong. Maybe I messed up. You know, maybe if I had a did it this way, then it wouldn’t a happened that way.’” After her son’s arrest, she could not bring herself to tell friends and relatives and kept the family’s suffering private. Constance is not alone.

Ten New Rules for Parent–Adult Child Relations RULE #1: Your adult child has more power than you to set the terms of your relationship because they’re more willing to walk away. Basic game theory: she who cares less has more power. RULE # 2: Your relationship with your adult child needs to occur in an environment of creating happiness and personal growth, not an environment of obligation, emotional debt, or duty. RULE # 3: You are not the only authority on how well you performed as a parent. Your adult child gets to have their own narrative and opinions about the past. RULE #4: Use of guilt trips or criticism will never get you what you want from your adult child, especially if you’re estranged. RULE #5: Learning to communicate in a way that is egalitarian, psychological, and self-aware is essential to a good relationship with your adult child. RULE #6: You were the parent when you were raising your child and you’re the parent until they die. You brought your child into this world. That means that if your child is unable to take the high road, you still have to if reconciliation is your goal. RULE #7: A large financial and emotional investment in your child does not entitle you to more contact or affection than that which is wanted by them, however unjust that may seem. RULE #8: Criticizing your child’s spouse, romantic partner, or therapist greatly increases your risk of estrangement. RULE #9: Criticizing your child’s sexuality or gender identity greatly increases your risk of estrangement. RULE #10: Just because you had a bad childhood and did a better job than your parents doesn’t mean that your adult child has to accept all of the ways that they felt hurt by you.

the apathy of many of the people around us is not due to their being physically or mentally exhausted. The problem seems to lie more in the modern worker’s relation to his job, with the way he perceives his goals in relation to it. When we feel that we are investing attention in a task against our will, it is as if our psychic energy is being wasted. Instead of helping us reach our own goals, it is called upon to make someone else’s come true. The time channeled into such a task is perceived as time subtracted from the total available for our life. Many people consider their jobs as something they have to do, a burden imposed from the outside, an effort that takes life away from the ledger of their existence. So even though the momentary on-the-job experience may be positive, they tend to discount it, because it does not contribute to their own long-range goals.

So much of what my generation had been promised disintegrated at our touch. Consider the friend, a painter of seascapes, who dreamed of affording waterfront property. On the day the levees broke, the Gulf flooded her studio and painted her walls with costly oils. Consider the friend who worked for six years at a company he hated on the promise of a sabbatical, only to be let go. The friend who complained about family reunions and lost every relative over the age of fifty to a virus. The friend who saved up to invest in a fund and saw her money dissolve like sugar on the tongues of bankers who barely got a scolding from the SEC. The life we'd been promised was a scam, the world a scam, the whole goddamn play a scam and there seemed nothing to do but burn it down as rioters did in Paris, New York, Nairobi—and then creep back through the embers because what other choice did we have?

Female short- and long-term mating strategies may be another candidate for this kind of frequency-dependent selection. Some women adopt a restricted sexual practice which enables them to evaluate the likelihood that the male will commit to long-term investment as a partner and parent. Others, who look for gene quality in their male partners rather than investment, will be prepared to have intercourse after only a short delay with attractive men. The dynamic that holds the strategies in equilibrium is their relative frequencies. As the number of unrestricted women rises so do the number of “sexy sons” that they produce and hence the value of selecting for good genes diminishes. But as the number of restricted women begins to rise in response, the competition amongst them increases and advantages begin to accrue to women who do not waste time and effort searching for providing fathers.

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

Qualities such as honesty, determination, and a cheerful acceptance of stress, which can all be identified through probing questionnaires and interviews, may be more important to the company in the long run than one's college grade-point average or years of "related experience." Every business is only as good as the people it brings into the organization. The corporate trainer should feel his job is the most important in the company, because it is. Exalt seniority-publicly, shamelessly, and with enough fanfare to raise goosebumps on the flesh of the most cynical spectator. And, after the ceremony, there should be some sort of permanent display so that employees passing by are continuously reminded of their own achievements and the achievements of others. The manager must freely share his expertise-not only about company procedures and products and services but also with regard to the supervisory skills he has worked so hard to acquire. If his attitude is, "Let them go out and get their own MBAs," the personnel under his authority will never have the full benefit of his experience. Without it, they will perform at a lower standard than is possible, jeopardizing the manager's own success. Should a CEO proclaim that there is no higher calling than being an employee of his organization? Perhaps not-for fear of being misunderstood-but it's certainly all right to think it. In fact, a CEO who does not feel this way should look for another company to manage-one that actually does contribute toward a better life for all. Every corporate leader should communicate to his workforce that its efforts are important and that employees should be very proud of what they do-for the company, for themselves, and, literally, for the world. If any employee is embarrassed to tell his friends what he does for a living, there has been a failure of leadership at his workplace. Loyalty is not demanded; it is created. Why can't a CEO put out his own suggested reading list to reinforce the corporate vision and core values? An attractive display at every employee lounge of books to be freely borrowed, or purchased, will generate interest and participation. Of course, the program has to be purely voluntary, but many employees will wish to be conversant with the material others are talking about. The books will be another point of contact between individuals, who might find themselves conversing on topics other than the weekend football games. By simply distributing the list and displaying the books prominently, the CEO will set into motion a chain of events that can greatly benefit the workplace. For a very cost-effective investment, management will have yet another way to strengthen the corporate message. The very existence of many companies hangs not on the decisions of their visionary CEOs and energetic managers but on the behavior of its receptionists, retail clerks, delivery drivers, and service personnel. The manager must put himself and his people through progressively challenging courage-building experiences. He must make these a mandatory group experience, and he must lead the way. People who have confronted the fear of public speaking, and have learned to master it, find that their new confidence manifests itself in every other facet of the professional and personal lives. Managers who hold weekly meetings in which everyone takes on progressively more difficult speaking or presentation assignments will see personalities revolutionized before their eyes. Command from a forward position, which means from the thick of it. No soldier will ever be inspired to advance into a hail of bullets by orders phoned in on the radio from the safety of a remote command post; he is inspired to follow the officer in front of him. It is much more effective to get your personnel to follow you than to push them forward from behind a desk. The more important the mission, the more important it is to be at the front.

Because the family is our first and in many ways our most important social environment, quality of life depends to a large extent on how well a person succeeds in making the interaction with his or her relatives enjoyable. For no matter how strong the ties biology and culture have forged between family members, it is no secret that there is great variety in how people feel about their relatives. Some families are warm and supportive, some are challenging and demanding, others threaten the self of their members at every turn, still others are just insufferably boring. The frequency of murder is much higher among family members than among unrelated people. Child abuse and incestuous sexual molestation, once thought to be rare deviations from the norm, apparently occur much more often than anyone had previously suspected. In John Fletcher’s words, “Those have most power to hurt us that we love.” It is clear that the family can make one very happy, or be an unbearable burden. Which one it will be depends, to a great extent, on how much psychic energy family members invest in the mutual relationship, and especially in each other’s goals.

For Elon Musk, this spectacle has turned into a familiar experience. SpaceX has metamorphosed from the joke of the aeronautics industry into one of its most consistent operators. SpaceX sends a rocket up about once a month, carrying satellites for companies and nations and supplies to the International Space Station. Where the Falcon 1 blasting off from Kwajalein was the work of a start-up, the Falcon 9 taking off from Vandenberg is the work of an aerospace superpower. SpaceX can undercut its U.S. competitors—Boeing, Lockheed Martin, Orbital Sciences—on price by a ridiculous margin. It also offers U.S. customers a peace of mind that its rivals can’t. Where these competitors rely on Russian and other foreign suppliers, SpaceX makes all of its machines from scratch in the United States. Because of its low costs, SpaceX has once again made the United States a player in the worldwide commercial launch market. Its $60 million per launch cost is much less than what Europe and Japan charge and trumps even the relative bargains offered by the Russians and Chinese, who have the added benefit of decades of sunk government investment into their space programs as well as cheap labor. The

Indeed, for those in the West inclined to be critical of China, here are few cautionary facts. With its absolutely massive population (1.33 billion or one-fifth of the world's population) it's obvious that China should have a massive impact on the world. Yet, it's one-child policy, for all the uncomfortable ethical questions it raises and the painful sacrifice made by millions of Chinese families, means that China's annual percentage growth rate is low relative to the global average (0.49 per cent versus 1.13 per cent). Even with a population more than four times that of the United States (1.3 billion versus 0.3 billion), China's ecological footprint is still less than that of the US (2456 million global hectares versus 2730 million global hectares). In 2009, China invested far more than any other country in the clean energy industry – $34.6 billion or 0.39 per cent of its gross domestic product compared to United States' $18.6 billion or 0.13 per cent of GDP. When it comes to reforestation, China punches way above its numerical and geographical weight, with massive initiatives like the NFPP and SLCP helping seed some 4 million hectares of forest every year, which is probably more tree planting than the rest of the world put together.

In a traditional society, individuals are aware that they will need children to support them in the future, and so will spend their healthy young years starting a family and investing in giving their children the best life possible. But if long-term investment in general is disincentivized, if saving is likely to be counterproductive as money depreciates, this investment becomes less profitable. Further, as politicians sell people the lie that eternal welfare and retirement benefits are possible through the magic of the monetary printing press, the investment in a family becomes less and less valuable. Over time, the incentive to start a family declines and more and more people end up leading single lives. More marriages are likely to break down as partners are less likely to put in the necessary emotional, moral, and financial investment to make them work, while marriages that do survive will likely produce fewer children. The well-known phenomenon of the modern breakdown of the family cannot be understood without recognizing the role of unsound money allowing the state to appropriate many of the essential roles that the family has played for millennia, and reducing the incentive of all members of a family to invest in long-term familial relations.

So why bother investing in one's memory in the age of externalized memories? The best answer I can give is the one that I received unwittingly from EP, whose memory had been so completely lost that he could not place himself rin time or space, or relative to other people. That is: How we perceive the world and how we act in it are products of how and what we remember. We're all just a bundle of of habits shaped by our memories. And to the extent that we control our lives, we do so by gradually altering those habits, which is to say the networks or our memory. No lasting joke, invention, insight, or work of art was ever produced by an external memory. Not yet, at least. Or ability to find humour in the world, to make connections between previously unconnected notions, to create new ideas, to share in a common culture: All these essentially human acts depend on memory. Now more than ever, as the role of memory in our culture erodes at a faster pace than ever before, we need to cultivate our ability to remember. Our memories make us who we are. They are the seat of our values ad source of our character. [...] That's what Ed had been trying to impart to me from the beginning: that memory training is not just fro the sake of performing partyb tricks; it's about nurturing something profoundly and essentially human.

In the light of the evidence it is hard to believe that most crusaders were motivated by crude materialism. Given their knowledge and expectations and the economic climate in which they lived, the disposal of assets to invest in the fairly remote possibility of settlement in the East would have been a stupid gamble. It makes much more sense to suppose, in so far as one can generalize about them, that they were moved by an idealism which must have inspired not only them but their families. Parents, brothers and sisters, wives and children had to face a long absence and must have worried about them: in 1098 Countess Ida of Boulogne made an endowment to the abbey of St Bertin 'for the safety of her sons, Godfrey and Baldwin, who have gone to Jerusalem'.83 And they and more distant relatives — cousins, uncles and nephews - were prepared to endow them out of the patrimonial lands. I have already stressed that no one can treat the phenomenal growth of monasticism in this period without taking into account not only those who entered the communities to be professed, but also the lay men and women who were prepared to endow new religious houses with lands and rents. The same is true of the crusading movement. Behind many crusaders stood a large body of men and women who were prepared to sacrifice interest to help them go. It is hard to avoid concluding that they were fired by the opportunity presented to a relative not only of making a penitential pilgrimage to Jerusalem but also of fighting in a holy cause. For almost a century great lords, castellans and knights had been subjected to abuse by the Church. Wilting under the torrent of invective and responding to the attempts of churchmen to reform their way of life in terms they could understand, they had become perceptibly more pious. Now they were presented by a pope who knew them intimately with the chance of performing a meritorious act which exactly fitted their upbringing and devotional needs and they seized it eagerly. But they responded, of course, in their own way. They were not theologians and were bound to react in ways consonant with their own ideas of right and wrong, ideas that did not always respond to those of senior churchmen. The emphasis that Urban had put on charity - love of Christian brothers under the heel of Islam, love of Christ whose land was subject to the Muslim yoke - could not but arouse in their minds analogies with their own kin and their own lords' patrimonies, and remind them of their obligations to avenge injuries to their relatives and lords. And that put the crusade on the level of a vendetta. Their leaders, writing to Urban in September 1098, informed him that 'The Turks, who inflicted much dishonour on Our Lord Jesus Christ, have been taken and killed and we Jerusalemites have avenged the injury to the supreme God Jesus Christ.

Bouteflika: Your position was one of principle, it was very clear. Your press—Newsweek, the New York Times—were very objective on the problem. And we find that the U.S. could have stopped the Green March. The U.S. could have stopped it, or favored it. Kissinger: That’s not true. Bouteflika: We think on the contrary that France played a crude role. There was no delicacy, no subtlety. Bourguiba, Senghor—they tried to use what influence remained for France. Bongo. No finesse, no research. I don’t know if this corresponds to your situation. But there are sentiments, and we were very affected because we thought it was an anti-Algerian position. Kissinger: We don’t have an anti-Algerian position. The only question was how much to invest. To prevent the Green March would have meant hurting our relations completely with Morocco, in effect an embargo. Bouteflika: You could have done it. You could stop economic aid and military aid. Kissinger: But that would have meant ruining our relations with Morocco completely. Bouteflika: No. The King of Morocco would not have gone to the Soviets. Kissinger: But we don’t have that much interest in the Sahara. Bouteflika: But you have interests in Spain, and in Morocco. Kissinger: And in Algeria. Bouteflika: And you favored one. [FOREIGN RELATIONS OF THE UNITED STATES, 1969-1976, VOLUME E-9, PART 1, DOCUMENTS ON NORTH AFRICA, 1973-1976 110. Memorandum of Conversation - Paris, December 17, 1975, 8:05–9:25 a.m.]

Statisticians say that stocks with healthy dividends slightly outperform the market averages, especially on a risk-adjusted basis. On average, high-yielding stocks have lower price/earnings ratios and skew toward relatively stable industries. Stripping out these factors, generous dividends alone don’t seem to help performance. So, if you need or like income, I’d say go for it. Invest in a company that pays high dividends. Just be sure that you are favoring stocks with low P/Es in stable industries. For good measure, look for earnings in excess of dividends, ample free cash flow, and stable proportions of debt and equity. Also look for companies in which the number of shares outstanding isn’t rising rapidly. To put a finer point on income stocks to skip, reverse those criteria. I wouldn’t buy a stock for its dividend if the payout wasn’t well covered by earnings and free cash flow. Real estate investment trusts, master limited partnerships, and royalty trusts often trade on their yield rather than their asset value. In some of those cases, analysts disagree about the economic meaning of depreciation and depletion—in particular, whether those items are akin to earnings or not. Without looking at the specific situation, I couldn’t judge whether the per share asset base was shrinking over time or whether generally accepted accounting principles accounting was too conservative. If I see a high-yielder with swiftly rising share counts and debt levels, I assume the worst.

Summers also claimed that technology was reducing the demand for capital. Digital businesses, such as Facebook and Google, had established dominant global franchises with relatively little invested capital and small workforces. In his book The Zero Marginal Cost Society (2014), the social theorist Jeremy Rifkin heralded the passing of traditional capitalism.16 If the Old Economy was marked by scarcity and declining marginal returns, Rikfin argued that the New Economy was characterized by zero marginal costs, increasing returns to scale and capital-lite ‘sharing’ apps (such as Uber, Lyft, Airbnb, etc.). The demand for capital and interest rates, he said, were set to fall in this ‘economy of abundance’. There was some evidence to support Rifkin’s claims. The balance sheets of US companies showed they were using fewer fixed assets (factories, plant, equipment, etc.) and reporting more ‘intangibles’ – namely, assets derived from patents, intellectual property and merger premiums. In much of the rest of the world, however, the demand for old-fashioned capital remained as strong as ever. After the turn of the century, the developing world exhibited a voracious appetite for industrial commodities that required massive mining investment. China embarked on what was probably the greatest investment boom in history. Before and after 2008, global energy consumption rose steadily. The world’s total investment (relative to GDP) remained in line with its historical average.17 Rifkin’s ‘economy of abundance’ remained a tantalizing speculation.

Money has an even darker side. For although money builds universal trust between strangers, this trust is invested not in humans, communities or sacred values, but in money itself and in the impersonal systems that back it. We do not trust the stranger, or the next-door neighbour – we trust the coin they hold. If they run out of coins, we run out of trust. As money brings down the dams of community, religion and state, the world is in danger of becoming one big and rather heartless marketplace. Hence the economic history of humankind is a delicate dance. People rely on money to facilitate cooperation with strangers, but they’re afraid it will corrupt human values and intimate relations. With one hand people willingly destroy the communal dams that held at bay the movement of money and commerce for so long. Yet with the other hand they build new dams to protect society, religion and the environment from enslavement to market forces. It is common nowadays to believe that the market always prevails, and that the dams erected by kings, priests and communities cannot long hold back the tides of money. This is naive. Brutal warriors, religious fanatics and concerned citizens have repeatedly managed to trounce calculating merchants, and even to reshape the economy. It is therefore impossible to understand the unification of humankind as a purely economic process. In order to understand how thousands of isolated cultures coalesced over time to form the global village of today, we must take into account the role of gold and silver, but we cannot disregard the equally crucial role of steel.

Sexual reproduction is thus a costly investment that has to pay for itself in the short run. The details of theory and experiment on this topic are fascinating (see, e.g., Maynard Smith, 1978; Ridley, 1993), but for our purposes a few highlights from the currently front-running theory are most instructive: sex (in vertebrates like us, at least) pays for itself by making our offspring relatively inscrutable to the parasites we endow them with from birth. Parasites have short lifespans compared with their hosts, and typically reproduce many times during their host’s lifetime. Mammals, for instance, are hosts to trillions of parasites. (Yes, right now, no matter how healthy and clean you are, there are trillions of parasites of thousands of different species inhabiting your gut, your blood, your skin, your hair, your mouth, and every other part of your body. They have been rapidly evolving to survive against the onslaught of your defenses since the day you were born.) Before a female can mature to reproductive age, her parasites evolve to fit her better than any glove. (Meanwhile, her immune system evolves to combat them, a standoff—if she is healthy—in an ongoing arms race.) If she gave birth to a clone, her parasites would leap to it and find themselves at home from the outset. They would be already optimized to their new surroundings. If instead she uses sexual reproduction to endow her offspring with a mixed set of genes (half from her mate), many of these genes—or, more directly, their products, in the offspring’s internal defenses—will be alien or cryptic to the ship-jumping parasites. Instead of home sweet home, the parasites will find themselves in terra incognita. This gives the offspring a big head start in the arms race.

[A] central theme is why social, political, and economic institutions tend to coevolve in a manner that reinforces rather than undermines one another. The welfare state is not 'politics against markets,' as commonly assumed, but politics with markets. Although it is popular to think that markets, especially global ones, interfere with the welfare state, and vice versa, this notion is simply inconsistent with the postwar record of actual welfare state development. The United States, which has a comparatively small welfare state and flexible labor markets, has performed well in terms of jobs and growth during the past two decades; however, before then the countries with the largest welfare states and the most heavily regulated labor markets exceeded those in the United States on almost any gauge of economic competitiveness and performance. Despite the change in economic fortunes, the relationship between social protection and product market strategies continues to hold. Northern Europe and Japan still dominate high-quality markets for machine tools and consumer durables, whereas the United States dominates software, biotech, and other high-tech industries. There is every reason that firms and governments will try to preserve the institutions that give rise to these comparative advantages, and here the social protection system (broadly construed to include job security and protection through the industrial relations system) plays a key role. The reason is that social insurance shapes the incentives workers and firms have for investing in particular types of skills, and skills are critical for competitive advantage in human-capital-intensive economies. Firms do not develop competitive advantages in spite of systems of social protection, but because of it. Continuing this line of argument, the changing economic fortunes of different welfare production regimes probably has very little to do with growing competitive pressure from the international economy. To the contrary, it will be argued in Chapter 6 that the main problem for Europe is the growing reliance on services that have traditionally been closed to trade. In particular, labor-intensive, low-productivity jobs do not thrive in the context of high social protection and intensive labor-market regulation, and without international trade, countries cannot specialize in high value-added services. Lack of international trade and competition, therefore, not the growth of these, is the cause of current employment problems in high-protection countries.

By pointing to the captain’s foolhardy departure from standard procedure, the officials shielded themselves from the disturbing image of slaves overpowering their captors and relieved themselves of the uncomfortable obligation to explain how and why the events had deviated from the prescribed pattern. But assigning blame to the captain for his carelessness afforded only partial comfort, for by seizing their opportunity, the Africans aboard the Cape Coast had done more than liberate themselves (temporarily at least) from the slave ship. Their action reminded any European who heard news of the event of what all preferred not to contemplate too closely; that their ‘accountable’ history was only as real as the violence and racial fiction at its foundation. Only by ceaseless replication of the system’s violence did African sellers and European buyers render captives in the distorted guise of human commodities to market. Only by imagining that whiteness could render seven men more powerful than a group of twice their number did European investors produce an account naturalizing social relations that had as their starting point an act of violence. Successful African uprisings against European captors were of course moments at which the undeniable free agency of the captives most disturbed Europeans—for it was in these moments that African captives invalidated the vision of the history being written in this corner of the Atlantic world and articulated their own version of a history that was ‘accountable.’ Other moments in which the agency and irrepressible humanity of the captives manifested themselves were more tragic than heroic: instances of illness and death, thwarted efforts to escape from the various settings of saltwater slavery, removal of slaves from the market by reason of ‘madness.’ In negotiating the narrow isthmus between illness and recovery, death and survival, mental coherence and insanity, captives provided the answers the slave traders needed: the Africans revealed the boundaries of the middle ground between life and death where human commodification was possible. Turning people into slaves entailed more than the completion of a market transaction. In addition, the economic exchange had to transform independent beings into human commodities whose most ‘socially relevant feature’ was their ‘exchangeability’ . . . The shore was the stage for a range of activities and practices designed to promote the pretense that human beings could convincingly play the part of their antithesis—bodies animated only by others’ calculated investment in their physical capacities.

All this shows a very mediocre idea of oneself - always imputing misfortune to some objective cause. Once it has been exorcized by causes, misfortune is no longer a problem: it becomes susceptible of a causal solution and, above all, it originates elsewhere - in original sin, in history, in the social order, or in natural perversion. In short, it originates in an objectivity into which we exile it the better to be rid of it. Once again, this bespeaks very little pride and self-respect. In the past, what struck you down was your destiny, your personal fatum. You didn't look for some 'objective' cause of this or some attenuating circumstance, which would amount to saying we have no part in what happens to us. There is something humiliating in that. The intelligence of evil begins with the hypothesis that our ills come to us from an evil genius that is our own. Let us be worthy of our 'perversity' of our evil genius, let us measure up to our tragic involvement in what happens to us (including good fortune). In a word, let us not be imbeciles, for imbecility in the literal sense lies in the superficial reference to misfortune and exemption from evil. This is how we make imbeciles of the victims themselves, by confining them to their condition of victim. And by the compassion we show them we engage in a kind of false advertising for them. We take no account of what degree of choice and defiance, of connivence with oneself, of - unconscious or quasi-deliberate - provocative relation to evil there may be in AIDS, in drug-taking, in suffering and alienation, in voluntary servitude - in this acting-out in the fatal zone. It is the same with suicide, which is always ascribed to depressive motivations with no account taken of an originality of, an original will to commit, the act itself (Canetti speaks in the same way of the interpretation of dreams as a violence done to dreams that takes no account of their literalness). So, the understanding of misfortune is everywhere substituted for the intelligence of evil. Now, unlike the former, this latter rests on the rejection of the presumption of innocence. By contrast with that understanding, we are all presumptive wrongdoers - but not responsible ones, for, in the last instance, we do not have to answer for ourselves - that is the business of destiny or of the divinity. For the act we commit, it is right we should be dealt with - and indeed punished - accordingly. We are never innocent of that act in the sense of having nothing to do with it or being victims of it. But this does not mean we are answerable for it either, as that would suppose we were answerable for ourselves, that we were invested with total power over ourselves, which is a subjective illusion. It's a good thing we don't possess that power or that responsibility. A good thing we are not the causes of ourselves - that at least confers some degree of innocence on us. For the rest, we are forever complicit in what we do, even if we are not answerable to anyone. So we are both irresponsible and without excuses. Never explain, never complain.

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