Investment Short Quotes

It is not that we have a short time to live, but that we waste a lot of it. Life is long enough, and a sufficiently generous amount has been given to us for the highest achievements if it were all well invested. But when it is wasted in heedless luxury and spent on no good activity, we are forced at last by death’s final constraint to realize that it has passed away before we knew it was passing. So it is: we are not given a short life but we make it short, and we are not ill-supplied but wasteful of it… Life is long if you know how to use it.

Imagination, however high it flies, Falls short, however hard it tries. But spirits fit to see deeply invest In what is boundless a boundless trust.

Ultimately, Investing is about holistic ROI. It’s not about just owning stocks or crypto or flipping for quick income. When we talk about holistic ROI, we are looking at our long term profit, short term profit, income security, cash flow, social impact, environmental impact, spiritual impact, stability of the permaculture economy, and more. That’s how we see it at Mayflower-Plymouth.

Leaders who want to show sensitivity should listen often and long and talk short and seldom. Many so-called leaders are too busy to listen. True leaders know that time spent listening is well invested.

Hatred is prevalent on this earth because it requires no real effort, unlike the investment it takes to genuinely understand a person.

You have no idea the power generated each time somebody is told a story. When a conscious, sentient mind willingly ignores what is real, what is fact, and instead chooses to invest in people and places that never existed...It's magnificent.

Wall Street investment banks are like Las Vegas casinos: They set the odds. The customer who plays zero-sum games against them may win from time to time but never systematically, and never so spectacularly that he bankrupts the casino.

Because most people are more emotional than logical, they tend to overreact to short-term results; they give up and sell low when times are bad and buy too high when times are good. I find this is just as true for relationships as it is for investments—wise people stick with sound fundamentals through the ups and downs, while flighty people react emotionally to how things feel, jumping into things when they’re hot and abandoning them when they’re not.

The genuine object of debate raised by the [2008 financial] crisis ought to be how to overcome the short-termism to which we have been led by a consumerism intrinsically destructive of all genuine investment in the future, a short-termism which has systematically, and not accidentally, been translated into decomposition of investment into speculation.

In essence, what is forbidden to do is likewise forbidden as an object of reflection. Included in this is thinking about the weaknesses or faults of others, whether they are present or not. The Prophet said, "There is a tree in Paradise reserved for one whose own faults preoccupied him from considering the faults of others." Spending time thinking or talking about other people's faults is foolish. Time is short and is better invested in recognizing one's own shortcomings and then working consistently to eradicate them.

As a consequence of the enormous social and technological changes of the last few centuries, the world is not working well. We do not live in traditional and static societies. But our government, in resisting change, act as if we did. Unless we destroy ourselves utterly, the future belongs to those societies that, while not ignoring the reptilian and mammalian parts of our being, enable the characteristically human components of our nature to flourish; to those societies that encourage diversity rather than conformity; to those societies willing to invest resources in a variety of social, political, economic and cultural experiments, and prepared to sacrifice short-term advantage for long-term benefit; to those societies that treat new ideas as delicate, fragile and immensely valuable pathways to the future.

Our favorite holding period is forever. We are just the opposite of those who hurry to sell and book profits when companies perform well but who tenaciously hang on to businesses that disappoint. Peter Lynch aptly likens such behavior to cutting the flowers and watering the weeds.

It is not that we have a short space of time, but that we waste much of it. Life is long enough, and it has been given in sufficiently generous measure to allow the accomplishment of the very greatest things if the whole of it is well invested. But when it is squandered in luxury and carelessness, when it is devoted to no good end, forced at last by the ultimate necessity we perceive that it has passed away before we were aware that it was passing.

The most important thing to understand is that while we courted, Americans dated, a pragmatic custom whereby a male and a female set a mutually agreeable time to meet, as if to negotiate a potentially profitable business venture. Americans understood dating to be about investments and gains, short or long term , but we saw romance and courtship as being about losses. After all, the only worthwhile courtship involved persuading a woman who could not be persuaded, not a woman already predisposed to examine her calendar for her availability.

The line between gambling and investing is artificial and thin. The soundest investment has the defining trait of a bet (you losing all of your money in hopes of making a bit more), and the wildest speculation has the salient characteristic of an investment (you might get your money back with interest). Maybe the best definition of “investing” is “gambling with the odds in your favor.

The possessive investment in whiteness can’t be rectified by learning “how to be more antiracist.” It requires a radical divestment in the project of whiteness and a redistribution of wealth and resources. It requires abolition, the abolition of the carceral world, the abolition of capitalism. What is required is a remaking of the social order, and nothing short of that is going to make a difference.

...I'm not the casual sex type." "Yeah, I gathered that. Why? Bored?" "I wish." Josh gave a short laugh and shook his head. "No, sex with me is complicated.

price is what you pay; value is what you get.

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.

Life is long enough, and it has been given in sufficiently generous measure to allow the accomplishment of the very greatest things if the whole of it is well invested.

You can’t make a good deal with a bad person.

The shortest short-term investment is to serve ourselves.

I have a job to do. Make money for my clients. Period. But boy it gets morbid when you start making investments that work out extra great if a tragedy occurs.

(strange how women in positions of authority so often acquire the sobriquet bossy, while a man holding the same rank is somehow invested with qualities of leadership

At Mayflower-Plymouth, we prioritize time in the market and not timing the market. We prioritize total return and not quick short term gains.

Civilization, as a process, is indistinguishable from diminishing time-preference (or declining concern for the present in comparison to the future). Democracy, which both in theory and evident historical fact accentuates time-preference to the point of convulsive feeding-frenzy, is thus as close to a precise negation of civilization as anything could be, short of instantaneous social collapse into murderous barbarism or zombie apocalypse (which it eventually leads to). As the democratic virus burns through society, painstakingly accumulated habits and attitudes of forward-thinking, prudential, human and industrial investment, are replaced by a sterile, orgiastic consumerism, financial incontinence, and a ‘reality television’ political circus. Tomorrow might belong to the other team, so it’s best to eat it all now.

V.S. Pritchett's definition of a short story is 'something glimpsed from the corner of the eye, in passing.' Notice the 'glimpse' part of this. First the glimpse. Then the glimpse gives life, turned into something that illuminates the moment and may, if we're lucky -- that word again -- have even further ranging consequences and meaning. The short story writer's task is to invest the glimpse with all that is in his power. He'll bring his intelligence and literary skill to bear (his talent), his sense of proportion and sense of the fitness of things: of how things out there really are and how he sees those things -- like no one else sees them. And this is done through the use of clear and specific language, language used so as to bring to life the details that will light up the story for the reader. For the details to be concrete and convey meaning, the language must be accurate and precisely given. The words can be so precise they may even sound flat, but they can still carry; if used right they can hit all the notes.

He gave a talk in which he argued that the way they measured risk was completely idiotic. They measured risk by volatility: how much a stock or bond happened to have jumped around in the past few years. Real risk was not volatility; real risk was stupid investment decisions.

It is not that we have a short time to live, but that we waste a lot of it. Life is long enough, and a sufficiently generous amount has been given to us for the highest achievements if it were all well invested.

Americans understood dating to be about investments and gains, short or long term, but we saw romance and courtship as being about losses. After all, the only worthwhile courtship involved persuading a woman who could not be persuaded, not a woman already predisposed to examine her calendar for her availability.

When an attack on home soil causes cultural paroxysms that have nothing to do with the attack, when we respond to real threats to our nation by distrusting ourselves with imagined threats to femininity and family life, when we invest our leaders with a cartoon masculinity and require of them bluster in lieu of a capacity for rational calculation, and when we blame our frailty in 'fifth column' feminists - in short, when we base our security on a mythical male strength that can only increase itself against a mythical female weakness - we should know that we are exhibiting the symptoms of a lethal, albeit curable, cultural affliction (p. 295).

To get acceptable quality at the lowest cost, it is vitally important to reject defective material at a stage where its accumulated value is at the lowest possible level. Thus, as noted, we are better off catching a bad raw egg than a cooked one, and screening out our college applicant before he visits Intel. In short, reject before investing further value.

Win, loss whatever emerges in the short-term, place and manage your next trades untouched, unattached... always keeping your eyes on the long-term picture.

Saving is for a short-term goal that you hope to reach within five years or so. Investing is for the long term.

Wisdom is really the key to wealth. With great wisdom, comes great wealth and success. Rather than pursuing wealth, pursue wisdom. The aggressive pursuit of wealth can lead to disappointment. Wisdom is defined as the quality of having experience, and being able to discern or judge what is true, right, or lasting. Wisdom is basically the practical application of knowledge. Rich people have small TVs and big libraries, and poor people have small libraries and big TVs. Become completely focused on one subject and study the subject for a long period of time. Don't skip around from one subject to the next. The problem is generally not money. Jesus taught that the problem was attachment to possessions and dependence on money rather than dependence on God. Those who love people, acquire wealth so they can give generously. After all, money feeds, shelters, and clothes people. They key is to work extremely hard for a short period of time (1-5 years), create abundant wealth, and then make money work hard for you through wise investments that yield a passive income for life. Don't let the opinions of the average man sway you. Dream, and he thinks you're crazy. Succeed, and he thinks you're lucky. Acquire wealth, and he thinks you're greedy. Pay no attention. He simply doesn't understand. Failure is success if we learn from it. Continuing failure eventually leads to success. Those who dare to fail miserably can achieve greatly. Whenever you pursue a goal, it should be with complete focus. This means no interruptions. Only when one loves his career and is skilled at it can he truly succeed. Never rush into an investment without prior research and deliberation. With preferred shares, investors are guaranteed a dividend forever, while common stocks have variable dividends. Some regions with very low or no income taxes include the following: Nevada, Texas, Wyoming, Delaware, South Dakota, Cyprus, Liechtenstein, Luxembourg, Panama, San Marino, Seychelles, Isle of Man, Channel Islands, Curaçao, Bahamas, British Virgin Islands, Brunei, Monaco, Qatar, United Arab Emirates, Saudi Arabia, Bahrain, Bermuda, Kuwait, Oman, Andorra, Cayman Islands, Belize, Vanuatu, and Campione d'Italia. There is only one God who is infinite and supreme above all things. Do not replace that infinite one with finite idols. As frustrated as you may feel due to your life circumstances, do not vent it by cursing God or unnecessarily uttering his name. Greed leads to poverty. Greed inclines people to act impulsively in hopes of gaining more. The benefit of giving to the poor is so great that a beggar is actually doing the giver a favor by allowing the person to give. The more I give away, the more that comes back. Earn as much as you can. Save as much as you can. Invest as much as you can. Give as much as you can.

The market might have learned a simple lesson: Don’t make loans to people who can’t repay them. Instead it learned a complicated one: You can keep on making these loans, just don’t keep them on your books. Make the loans, then sell them off to the fixed income departments of big Wall Street investment banks, which will in turn package them into bonds and sell them to investors.

It is not that we have a short time to live, but that we waist a lot of it. Life is long enough, and a sufficient generous amount has been given to us for the highest achievements if it were all well invested. But when it is wasted in heedless luxury and spent on no good activity, we are forced at last by death's final constraint to realize that it has passed away before we know it was passing

I don’t give up on anything! I fight to the very end no matter how many setbacks I may have. Even if you fail, don’t give up! With each failure, you are only one step away from victory. Failure allows us to learn, so while you may encounter failure, use the experience positively and believe in your success.

All that profligate investment of energy to effect a splendid, momentary reversal of natural law. That such a reversal should demand so much and last such a short time was terrible; that people would go for it anyway was both terrible and wonderful. ...A game, or maybe even not that--maybe it was only practice for a game, the way that all the sweat and trembling exhaustion in the Wilshire loft that day had just been practice. Practice for a show that only a few people would probably care to attend and which would probably close quickly.

The formation of bubbles isn’t so much about people irrationally participating in long-term investing. They’re about people somewhat rationally moving toward short-term trading to capture momentum that had been feeding on itself.

It is not that we have a short space of time, but that we waste much of it. Life is long enough, and it has been given in sufficiently generous measure to allow the accomplishment of the very greatest things if the whole of it is well invested.

The Three Considerations You’ll want to consider: In what stage of your investing life are you? The Wealth Accumulation Stage or the Wealth Preservation Stage? Or perhaps a blend of the two? What level of risk do you find acceptable? Is your investment horizon long-term or short-term?

Jesus understood that God does not play by our rules. His God is a generous God, who not only allows the sun to shine on both the just and the unjust, but also gives us the ability to live into what should be rather than what is. The parables help us with their lessons about generosity: sharing joy, providing for others, recognizing the potential of small investments. His God wants us to be better than we are, because we have the potential to be. We are made but a little lower than the divine (Ps. 8.6; see Heb. 2.7); we should start acting in a more heavenly matter. Those who pray, “Your kingdom come,” might want to take some responsibility in the process, and so work in partnership with God. We too are to seek the lost and make every effort to find them. Indeed, we are not only to seek; we are to take notice of who might be lost, even when immediately present. The rich man ignores Lazarus at his gate, and the father of the prodigal ignored the elder son in the field. For the former, it is too late; for the latter, whether it is too late or not we do not know. But we learn from their stories. Don’t wait. Look now. Look hard. Count.

The line between gambling and investing is artificial and thin. The soundest investment has the defining trait of a bet (you losing all of your money in hopes of making a bit more), and the wildest speculation has the salient characteristic of an investment (you might get your money back with interest).

But for those whose life is far removed from all business it must be amply long. None of it is frittered away, none of it scattered here and there, none of it committed to fortune, none of it lost through carelessness, none of it wasted on largesse, none of it superfluous: the whole of it, so to speak, is well invested.

I first met Winston Churchill in the early summer of 1906 at a dinner party to which I went as a very young girl. Our hostess was Lady Wemyss and I remember that Arthur Balfour, George Wyndman, Hilaire Belloc and Charles Whibley were among the guests… I found myself sitting next to this young man who seemed to me quite different from any other young man I had ever met. For a long time he seemed sunk in abstraction. Then he appeared to become suddenly aware of my existence. He turned on me a lowering gaze and asked me abruptly how old I was. I replied that I was nineteen. “And I,” he said despairingly, “am thirty-two already. Younger than anyone else who counts, though, “he added, as if to comfort himself. Then savagely: “Curse ruthless time! Curse our mortality. How cruelly short is this allotted span for all we must cram into it!” And he burst forth into an eloquent diatribe on the shortness of human life, the immensity of possible human accomplishment—a theme so well exploited by the poets, prophets, and philosophers of all ages that it might seem difficult to invest it with new and startling significance. Yet for me he did so, in a torrent of magnificent language which appeared to be both effortless and inexhaustible and ended up with the words I shall always remember: “We are all worms. But I do believe that I am a glow worm.” By this time I was convinced of it—and my conviction remained unshaken throughout the years that followed. Later he asked me whether I thought that words had a magic and music quite independent of their meaning. I said I certainly thought so, and I quoted as a classic though familiar instance the first lines that came into my head. Charm’d magic casements, opening on the foam Of perilous seas, in faery lands forlorn. His eyes blazed with excitement. “Say that again,” he said, “say it again—it is marvelous!” “But I objected, “You know these lines. You know the ‘Ode to a Nightengale.’ ” He had apparently never read or heard of it before (I must, however, add that next time I met him he had not learned not merely this but all of the odes to Keats by heart—and he recited them quite mercilessly from start to finish, not sparing me a syllable). Finding that he liked poetry, I quoted to him from one of my own favorite poets, Blake. He listened avidly, repeating some lines to himself with varying emphases and stresses, then added meditatively: “I never knew that old Admiral had found so much time to write such good poetry.” I was astounded that he, with his acute susceptibility to words and power of using them, should have left such tracts of English literature entirely unexplored. But however it happened he had lost nothing by it, when he approached books it was “with a hungry, empty mind and with fairly srong jaws, and what I got I *bit*.” And his ear for the beauty of language needed no tuning fork. Until the end of dinner I listened to him spellbound. I can remember thinking: This is what people mean when they talk of seeing stars. That is what I am doing now. I do not to this day know who was on my other side. Good manners, social obligation, duty—all had gone with the wind. I was transfixed, transported into a new element. I knew only that I had seen a great light. I recognized it as the light of genius… I cannot attempt to analyze, still less transmit, the light of genius. But I will try to set down, as I remember them, some of the differences which struck me between him and all the others, young and old, whom I have known. First and foremost he was incalculable. He ran true to no form. There lurked in his every thought and world the ambush of the unexpected. I felt also that the impact of life, ideas and even words upon his mind, was not only vivid and immediate, but direct. Between him and them there was no shock absorber of vicarious thought or precedent gleaned either from books or other minds. His relationship wit

Doubting yourself can be the biggest factor in holding yourself back. If you don't believe in yourself and send messages to yourself that you can't do this, or you will never be able to do this, you won't be successful. If you carry this attitude with you, then no, you won't be successful. Change your thinking! Change is not always easy, but once you change your thinking from negative to positive, your doubts begin to go away and you begin to manifest the positive. Don’t doubt yourself!

The most realistic distinction between the investor and the speculator is found in their attitude toward stock-market movements. The speculator’s primary interest lies in anticipating and profiting from market fluctuations. The investor’s primary interest lies in acquiring and holding suitable securities at suitable prices. Market movements are important to him in a practical sense, because they alternately create low price levels at which he would be wise to buy and high price levels at which he certainly should refrain from buying and probably would be wise to sell. It is far from certain that the typical investor should regularly hold off buying until low market levels appear, because this may involve a long wait, very likely the loss of income, and the possible missing of investment opportunities. On the whole it may be better for the investor to do his stock buying whenever he has money to put in stocks, except when the general market level is much higher than can be justified by well-established standards of value. If he wants to be shrewd he can look for the ever-present bargain opportunities in individual securities. Aside from forecasting the movements of the general market, much effort and ability are directed on Wall Street toward selecting stocks or industrial groups that in matter of price will “do better” than the rest over a fairly short period in the future. Logical as this endeavor may seem, we do not believe it is suited to the needs or temperament of the true investor—particularly since he would be competing with a large number of stock-market traders and first-class financial analysts who are trying to do the same thing. As in all other activities that emphasize price movements first and underlying values second, the work of many intelligent minds constantly engaged in this field tends to be self-neutralizing and self-defeating over the years. The investor with a portfolio of sound stocks should expect their prices to fluctuate and should neither be concerned by sizable declines nor become excited by sizable advances. He should always remember that market quotations are there for his convenience, either to be taken advantage of or to be ignored. He should never buy a stock because it has gone up or sell one because it has gone down. He would not be far wrong if this motto read more simply: “Never buy a stock immediately after a substantial rise or sell one immediately after a substantial drop.” An

Over the short run, however, the fundamentals are often overwhelmed by the deafening noise of speculation—the price at which the stock market values each dollar of earnings.

But most short-term renters of stocks are not particularly interested in assuring that corporate governance is focused on placing the interests of the stockholder first.

No business has ever failed with happy customers. You are selling happiness.

Keeping skills up to date requires the investment of time, effort, and perhaps even money for tuition. But it’s worth it for an extra decade of productive activity.

It is not that we have a short time to live, but that we waste a lot of it. Life is long enough, and a sufficiently generous amount has been given to us for the highest achievements if it were all well invested. But when it is wasted in heedless luxury and spent on no good activity, we are forced at last by death’s final constraint to realize that it has passed away before we knew it was passing. So it is: we are not given a short life but we make it short, and we are not ill-supplied but wasteful of it…. Life is long if you know how to use it.

You have to realize that in life there’re certain things out of your control. You can only do so much and hope that the situation would be remedied. "It is what it is," so don’t be in denial and know your limits. If it’s meant to be then a short conversation would solve the situation, otherwise you're investing resources into something that’s really nothing. Just say and do what's necessary and if it doesn’t work out then so be it. Move on with the attitude like "Fuck It." Chapters in life are meant to end so the next can start and GOD leaves no one empty handed.

We all have the ability to be successful. But the truth about success is that it starts from within you. It starts by changing your internal thoughts about how you feel. Once you do that, the world is in your hands. You literally have the ability to have anything you want as long as your internal thoughts truly reflect what you want in your life and what you believe you can achieve.

What is the library? If one believes Mallarmé’s antithesis, then the library would first of all be the place of instrumental spirituality. As a consequence, it would be a place of “production,” because the instrument exercises (instruire) a material, which it trans-forms. It would be the place of the life of spirit, of its genesis—but of its material genesis. In short, the library is a place of writing. It is at once the place of the conservation and elaboration of forms of knowledge—of their memory. But this memory is dead: supported by inorganic, yet organized objects, those which Husserl names “spirit-invested objects.” On the other hand, the library is trans-formed as a network, which is to say that it is digitized—and so it requires “new spiritual instruments.

In the morning this light breasts your windowpane and, having pried your eye open like a shell, runs ahead of you, strumming its lengthy rays - like a hot-footed schoolboy running his stick along the iron grate of the park or garden - along arcades, colonnades, red-brick chimneys, saints and lions. "Depict! Depict!" it cries to you, either mistaking you for some Canaletto or Carpaccio or Guardi, or because it doesn't trust your retina's ability to retain what it makes available, not to mention your brain's capacity to absorb it. Perhaps art is simply an organism's reaction against its retentive limitations. At any rate, you obey the command and grab your camera, supplementing both your brain cells and your pupil. Should this city ever be short of cash, it can go straight to Kodak for assistance - or else tax its products savagely. By the same token, as long as this place exists, as long as winter light shines upon it, Kodak shares are the best investment.

Loan sharking may mean investment and immediate solutions but desperate loan sharks, who are short of cash, abuse your rights and attack other people's home. ~ Odyssey of a Heart, Home of a Soul

Some take pains to be biblical, but many [Christian financial teachers, writers, investment counselors, and seminar leaders] simply parrot their secular colleagues. Other than beginning and ending with prayer, mentioning Christ, and sprinkling in some Bible verses, there's no fundamental difference. They reinforce people's materialist attitudes and lifestyles. They suggest a variety of profitable plans in which people can spend or stockpile the bulk of their resources. In short, to borrow a term from Jesus, some Christian financial experts are helping people to be the most successful 'rich fools' they can be.

Don’t invest in other people’s opinion of you. You can change yourself a hundred different ways to get other people to approve of you and there will still be those who don’t. Your beauty will please some and threaten others. Your intelligence will impress one person and offend another. You will be too tall, too short, too smart, too attractive, too nice, not nice enough, too talented, too poor, and not educated enough for people who are determined to not like you. You must decide that it doesn’t matter what anyone else thinks of you. Their opinions don’t make your bed, pay your bills, or fill your stomach, so stop investing your focus and energy into them.

On its surface, the booming market in side bets on subprime mortgage bonds seemed to be the financial equivalent of fantasy football: a benign, if silly, facsimile of investing. Alas, there was a difference between fantasy football and fantasy finance: When a fantasy football player drafts Peyton Manning to be on his team, he doesn’t create a second Peyton Manning. When Mike Burry bought a credit default swap based on a Long Beach Savings subprime–backed bond, he enabled Goldman Sachs to create another bond identical to the original in every respect but one: There were no actual home loans or home buyers. Only the gains and losses from the side bet on the bonds were real.

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

On Monday I received a letter from Golden Days, a Philadelphia juvenile, accepting a short story I had sent there and enclosing a cheque for five dollars. It was the first money my pen had ever earned; I did not squander it in riotous living, neither did I invest it in necessary boots and gloves. I went up town and bought five volumes of poetry with it -- Tennyson, Byron, Milton, Longfellow, Whittier. I wanted something I could keep for ever in memory of having "arrived.

For all the investment in the creation of Europa-1, you'd think Earth would have been more interested in preserving us. Instead, the last thing we'd heard had been reports of a worldwide nuclear launch, then silence. Emptiness. Nothing but the occasional blast of celestial noise reached our frozen home as it orbited the looming gargantuan that was Jupiter. It was a cold sort of reality that we'd been abandoned by our home world. But it was a cold day beneath the ice, so really, that was just par for the course.

It is not that we have a short space of time, but that we waste much of it. Life is long enough, and it has been given in sufficiently generous measure to allow the accomplishment of the very greatest things if the whole of it is well invested. But when it is squandered in luxury and carelessness, when it is devoted to no good end, forced at last by the ultimate necessity we perceive that it has passed away before we were aware that it was passing. So it is—the life we receive is not short, but we make it so, nor do we have any lack of it, but are wasteful of it. Just as great and princely wealth is scattered in a moment when it comes into the hands of a bad owner, while wealth however limited, if it is entrusted to a good guardian, increases by use, so our life is amply long for him who orders it properly.

Use these scientifically rubber-stamped pointers to make better, brighter decisions: (a) Avoid negative things that you cannot grow accustomed to, such as commuting, noise, or chronic stress. (b) Expect only short-term happiness from material things, such as cars, houses, lottery winnings, bonuses, and prizes. (c) Aim for as much free time and autonomy as possible since long-lasting positive effects generally come from what you actively do. Follow your passions even if you must forfeit a portion of your income for them. Invest in friendships.

Another segment of society that has constructed a language of its own is business. People in business say that toner cartridges are in short supply, that they have updated the next shipment of these cartridges, and that they will finalize their recommendations at the next meeting of the board. They are speaking a language familiar and dear to them. Its portentous nouns and verbs invest ordinary events with high adventure; executives walk among toner cartridges, caparisoned like knights. We should tolerate them--every person of spirit wants to ride a white horse.

Mrs Touchet allowed herself a private smile. As long as we profess to believe that two people may happily - or feasibly - invest all love and interest in the world solely in one another, till death do them part - well, then life, short as it is, will continue to be a human comedy, punctuated by tragedy. So she generally thought. Then there were those moments of grace, when she startled herself with the idea that if anybody truly understood what is signified by the word 'person', they would consider twelve lifetimes too brief a spell ion which to love a single soul.

He invested heavily in an automated general store in which customers would put a coin in a slot and a moment later a bag of coal, potatoes, onions, nails, hairpins, or other desired commodity would come sliding down a chute to them. The system never worked. It never came close to working.

The most prevalent form of slavery is being a slave of your own insecurities Or exploiting another's vulnerabilities. Lust, greed and anger are the pitfalls of the short sighted. Long term business is not possible through lust, greed, anger or guile; it is done based on 'sustainable' relationships; And that is possible when happiness is your goal and each individual you transact with, is a 'strong adult Individual'. We need to invest in ourselves to make us one and in others to help them become the same. It IS in my Selfish interest to have strong, adult individuals around!

Now, obviously, Meredith Whitney didn't sink Wall Street. She'd just expressed most clearly and most loudly a view that turned out to be far more seditious to the social order than, say, the many campaigns by various New York attorneys general against Wall Street corruption. If mere scandal could have destroyed the big Wall Street investment banks, they would have vanished long ago. This woman wasn't saying that Wall Street bankers were corrupt. She was saying that they were stupid. These people whose job it was to allocate capital apparently didn't even know how to manage their own.

I carried with me into the West End Bar, the White Horse Tavern, a long list of things I would never do: I would never have my hair set in a beauty parlor. I would never move to a suburb and bake cakes or make casseroles. I would never go to a country club dance, although I did like the paper lanterns casting rainbow colors on the terrace. I would never invest in the stock market. I would never play canasta. I would never wear pearls. I would love like a nursling but I would never go near a man who had a portfolio or a set of golf clubs or a business or even a business suit. I would only love a wild thing. I didn't care if wild things tended to break hearts. I didn't care if they substituted scotch for breakfast cereal. I understood that wild things wrote suicide notes to the gods and were apt to show up three hours later than promised. I understood that art was long and life was short.

A double rainbow had changed the course of my relationship with the fox. I had been jogging when I realised that he would live only a few years in this harsh country. At the time I believed that making an emotional investment in a short-lived creature was a fool's game. Before the jog ended, a rainbow appeared in front of me. One end of the rainbow slipped through an island of tall dead poplars drowning in gray sky, their crowns splitting and spraying into each other. I stopped. A second rainbow arched over the poplars. How many rainbows had I seen in this one valley? A hundred easy, and I always paused to watch. I realised that a fox, like a rainbow and every other gift from Nature, had an intrinsic value that was quite independent of its longevity. After that, whenever I questioned devoting so much time to an animal whose lifespan barely exceeded the blink of an eye, I remembered rainbows.

One of my greatest fears is family decline.There’s an old Chinese saying that “prosperity can never last for three generations.” I’ll bet that if someone with empirical skills conducted a longitudinal survey about intergenerational performance, they’d find a remarkably common pattern among Chinese immigrants fortunate enough to have come to the United States as graduate students or skilled workers over the last fifty years. The pattern would go something like this: • The immigrant generation (like my parents) is the hardest-working. Many will have started off in the United States almost penniless, but they will work nonstop until they become successful engineers, scientists, doctors, academics, or businesspeople. As parents, they will be extremely strict and rabidly thrifty. (“Don’t throw out those leftovers! Why are you using so much dishwasher liquid?You don’t need a beauty salon—I can cut your hair even nicer.”) They will invest in real estate. They will not drink much. Everything they do and earn will go toward their children’s education and future. • The next generation (mine), the first to be born in America, will typically be high-achieving. They will usually play the piano and/or violin.They will attend an Ivy League or Top Ten university. They will tend to be professionals—lawyers, doctors, bankers, television anchors—and surpass their parents in income, but that’s partly because they started off with more money and because their parents invested so much in them. They will be less frugal than their parents. They will enjoy cocktails. If they are female, they will often marry a white person. Whether male or female, they will not be as strict with their children as their parents were with them. • The next generation (Sophia and Lulu’s) is the one I spend nights lying awake worrying about. Because of the hard work of their parents and grandparents, this generation will be born into the great comforts of the upper middle class. Even as children they will own many hardcover books (an almost criminal luxury from the point of view of immigrant parents). They will have wealthy friends who get paid for B-pluses.They may or may not attend private schools, but in either case they will expect expensive, brand-name clothes. Finally and most problematically, they will feel that they have individual rights guaranteed by the U.S. Constitution and therefore be much more likely to disobey their parents and ignore career advice. In short, all factors point to this generation

Financial markets are far too complex to isolate any single variable with ease, as if conducting a scientific experiment. The record is utterly bereft of evidence that definitive predictions of short-term fluctuations in stock prices can be made with consistent accuracy. The prices of common stocks are evanescent and illusory.

Think for a moment about the Agricultural Revolution from the viewpoint of wheat. Ten thousand years ago wheat was just a wild grass, one of many, confined to a small range in the Middle East. Suddenly, within just a few short millennia, it was growing all over the world. According to the basic evolutionary criteria of survival and reproduction, wheat has become one of the most successful plants in the history of the earth. In areas such as the Great Plains of North America, where not a single wheat stalk grew 10,000 years ago, you can today walk for hundreds upon hundreds of miles without encountering any other plant. Worldwide, wheat covers about 870,000 square miles of the globe’s surface, almost ten times the size of Britain. How did this grass turn from insignificant to ubiquitous? Wheat did it by manipulating Homo sapiens to its advantage. This ape had been living a fairly comfortable life hunting and gathering until about 10,000 years ago, but then began to invest more and more effort in cultivating wheat. Within a couple of millennia, humans in many parts of the world were doing little from dawn to dusk other than taking care of wheat plants. It wasn’t easy. Wheat demanded a lot of them. Wheat didn’t like rocks and pebbles, so Sapiens broke their backs clearing fields. Wheat didn’t like sharing its space, water and nutrients with other plants, so men and women laboured long days weeding under the scorching sun. Wheat got sick, so Sapiens had to keep a watch out for worms and blight. Wheat was attacked by rabbits and locust swarms, so the farmers built fences and stood guard over the fields. Wheat was thirsty, so humans dug irrigation canals or lugged heavy buckets from the well to water it. Sapiens even collected animal faeces to nourish the ground in which wheat grew.

By May 2007, however, there was a growing dispute between Howie Hubler and Morgan Stanley. Amazingly, it had nothing to do with the wisdom of owning $16 billion in complex securities whose value ultimately turned on the ability of a Las Vegas stripper with five investment properties, or a Mexican strawberry picker with a single $750,000 home, to make rapidly rising interest payments.

The moment Salomon Brothers demonstrated the potential gains to be had from turning an investment bank into a public corporation and leveraging its balance sheet with exotic risks, the psychological foundations of Wall Street shifted, from trust to blind faith. No investment bank owned by its employees would have leveraged itself 35:1, or bought and held $50 billion in mezzanine CDOs.

And that’s the trap of marginal thinking. You can see the immediate costs of investing, but it’s really hard to accurately see the costs of not investing. When you decide that the upside of investing in the new product isn’t substantial enough while you still have a perfectly acceptable existing product, you aren’t taking into account a future in which somebody else brings the new product to market. You’re assuming everything else—specifically, the money you make on the old product—will continue forever exactly as it has up until now. A company may not see any consequences of that decision for some time. It might not get “caught” in the short term if a competitor doesn’t get ahead. But the company that makes all its decisions through this marginal-costs lens will, eventually, pay the price.

By early 2005 all the big Wall Street investment banks were deep into the subprime game. Bear Stearns, Merrill Lynch, Goldman Sachs, and Morgan Stanley all had what they termed “shelves” for their subprime wares, with strange names like HEAT and SAIL and GSAMP, that made it a bit more difficult for the general audience to see that these subprime bonds were being underwritten by Wall Street’s biggest names.

Life is short. You and everyone around you will live, on average, a little more than seventy years. That will feel like less than a bathroom break compared with the eternity ahead of us. Everything in the world is teaching you to stretch out every moment as long as possible, to soak up every last drop from your time here on earth. But you weren’t made for this, and you won’t be here long. We have to stop believing the lie that everything we have here is all we have, and start thinking of everything we have here as something to invest in what’s to come. If the whole world passed away today, would we love what’s left? We develop those spiritual muscles now by saying, with everything we have and do now, that Jesus is our greatest treasure. Life is short, and everything we have and see here is passing away. Everything but Jesus.

Scelza also discovered that cultures differ dramatically in how much parental investment men typically devote to their children. In cultures with heavy male parental investment, men showed an even stronger endorsement of sexual infidelity as more distressing than emotional infidelity; more than 90 percent in those cultures, such as the Himba, chose sexual infidelity as more jealousy inducing. The more investment men make, the more important it becomes for them to ensure that they are the actual genetic fathers, at least from an evolutionary perspective. In short, cultures vary in how jealous men get about a partner’s sexual infidelity, but it’s not random or arbitrary cultural variability. It is theoretically predictable variability based on how much men invest in their children, which in turn corresponds to the costs they would incur by investing in a child who might just be their rival’s.

The short-termism among US policymakers has meant that the gains from globalization have been misallocated in a way that frustrated millions of Americans and spurred the populist reaction witnessed in 2016. As Alibaba founder Jack Ma pointed out at the Economic Forum in 2017, by choosing to spend $14.2 trillion fighting thirteen wars over three decades, rather than investing in America’s infrastructure, industry, and jobs, policymakers misallocated the wins from globalization. What was clear is that even thirty years ago, industrial jobs in the United States were already on the decline and exposing the economy to greater competition inherent in open international trade, further harming the American worker. The outcome was a missed opportunity to distribute the gains of globalization more widely (and in particular to America’s Rust Belt) and to fund a longer-term infrastructure investment strategy to galvanize the US economy.

That animal is not your possession. He doesn't exist for your amusement. He has needs, instincts. Urges." The way he said that word, in that deep, earthy growl, had chills rippling over her skin. She swallowed hard. "Urges?" "Yes. Urges." He sauntered toward her- as much as a man could saunter in knee-deep water. "But what could a lady like you know about those?" "Oh, I understand urges. Right now, I have the powerful urge to do this." She shoved him hard in the chest, hoping to send him flailing backward into the river. He didn't budge. Not a teeter. Not a totter. Not even a blink. Penny would not surrender. She took a step in reverse and then tried again, adding the weight of her body to the effort. This time, he was ready for her. He caught her wrists in his hands, stopping her before she could even make contact. "Now, now, Your Ladyship. This is most unbecoming behavior." "I know that." She clenched her hands into fists. "You are so maddening. You have a way of provoking me, unlike anyone I've ever known. It's as though I become a different person when I'm around you, and I'm not certain I like her." He pulled her to him. "I like her." Penny expected he would shortly ruin that statement. I like her- smoldering pause- potential to increase the return on my property investment. Not this time. Instead, he lowered his head until his mouth brushed hers. Teased her lips apart, until his tongue brushed hers. And then they tumbled together against the riverbank, and his everything brushed hers.

Readers acquainted with the recent literature on human sexuality will be familiar with what we call the standard narrative of human sexual evolution, hereafter shortened to the standard narrative. It goes something like this: 1. Boy Meets girl, 2. Boy and girl assess one and others mate value, from perspectives based upon their differing reproductive agendas/capacities. He looks for signs of youth, fertility, health, absence of previous sexual experience and likelihood of future sexual fidelity. In other words, his assessment is skewed toward finding a fertile, healthy young mate with many childbearing years ahead and no current children to drain his resources. She looks for signs of wealth (or at least prospects of future wealth), social status, physical health and likelihood that he will stick around to protect and provide for their children. Her guy must be willing and able to provide materially for her (especially during pregnancy and breastfeeding) and their children, known as "male parental investment". 3. Boy gets girl. Assuming they meet one and others criteria, they mate, forming a long term pair bond, "the fundamental condition of the human species" as famed author Desmond Morris put it. Once the pair bond is formed, she will be sensitive to indications that he is considering leaving, vigilant towards signs of infidelity involving intimacy with other women that would threaten her access to his resources and protection while keeping an eye out (around ovulation especially) for a quick fling with a man genetically superior to her husband. He will be sensitive to signs of her sexual infidelities which would reduce his all important paternity certainty while taking advantage of short term sexual opportunities with other women as his sperm are easily produced and plentiful. Researchers claim to have confirmed these basic patterns in studies conducted around the world over several decades. Their results seem to support the standard narrative of human sexual evolution, which appears to make a lot of sense, but they don't, and it doesn't.

I want to be successful, but I also want to be happy. I want to be loving and patient with my kids instead of cold, angry, or irritable. I want to have harmony, intimacy, deep sharing, and passionate sex with my wife. I don’t want to be distant, live like roommates, bicker, criticize, or have hurtful fights that involve attacking each other’s vulnerabilities. I want to be an inspiring leader in my business. I want my team to speak freely, challenge me, support me, and have fun working with me. I don’t want them to fear me, secretly dislike me, degrade me behind my back, and wish they had a better job. I want my clients and customers to feel cared about, inspired, challenged, and respected. I want them to feel like they got so much value out of their investment that they can’t put a dollar amount on how much better their lives are now. I don’t want them to feel let down, uncared for, like a bother, and that their growth and success is irrelevant to me. In short, I want to be a “good person” too. However you define that in your world, I’d imagine it’s pretty similar.

A prison is perhaps the easiest place to see the power of bad incentives. And yet in many walks of life, we find otherwise normal men and women caught in the same trap and busily making the world much less good than it could be. Elected officials ignore long-term problems because they must pander to the short-term interests of voters. People working for insurance companies rely on technicalities to deny desperately ill patients the care they need. CEOs and investment bankers run extraordinary risks—both for their businesses and for the economy as a whole—because they reap the rewards of success without suffering the penalties of failure. District attorneys continue to prosecute people they know to be innocent because their careers depend on winning cases. Our government fights a war on drugs that creates the very problem of black-market profits and violence that it pretends to solve. We need systems that are wiser than we are. We need institutions and cultural norms that make us more honest and ethical than we tend to be. The project of building them is distinct from—and, in my view, even more important than—an individual’s refining his personal ethical code.

the planned destruction of Iraq’s agriculture is not widely known. Modern Iraq is part of the ‘fertile crescent’ of Mesopotamia where man first domesticated wheat between 8,000 and 13,000 years ago, and home to several thousand varieties of local wheat. As soon as the US took over Iraq, it became clear its interests were not limited to oil. In 2004, Paul Bremer, the then military head of the Provisional Authority imposed as many as a hundred laws which made short work of Iraq’s sovereignty. The most crippling for the people and the economy of Iraq was Order 81 which deals, among other things, with plant varieties and patents. The goal was brutally clear-cut and sweeping — to wipe out Iraq’s traditional, sustainable agriculture and replace it with oil-chemical-genetically-modified-seed-based industrial agriculture. There was no public or parliamentary debate for the conquered people who never sought war. The conquerors made unilateral changes in Iraq’s 1970 patent law: henceforth, plant forms could be patented — which was never allowed before — while genetically-modified organisms were to be introduced. Farmers were strictly banned from saving their own seeds: this, in a country where, according to the Food and Agriculture Organisation, 97 per cent of Iraqi farmers planted only their own saved seeds. With a single stroke of the pen, Iraq’s agriculture was axed, while Order 81 facilitated the introduction and domination of imported, high-priced corporate seeds, mainly from the US — which neither reproduce, nor give yields without their prescribed chemical fertiliser and pesticide inputs. It meant that the majority of farmers who had never spent money on seed and inputs that came free from nature, would henceforth have to heavily invest in corporate inputs and equipment — or go into debt to obtain them, or accept lowered profits, or give up farming altogether.

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.

If you could have a gigantic billboard anywhere with anything on it, what would it say and why? “Discipline equals freedom.” Everyone wants freedom. We want to be physically free and mentally free. We want to be financially free and we want more free time. But where does that freedom come from? How do we get it? The answer is the opposite of freedom. The answer is discipline. You want more free time? Follow a more disciplined time-management system. You want financial freedom? Implement long-term financial discipline in your life. Do you want to be physically free to move how you want, and to be free from many health issues caused by poor lifestyle choices? Then you have to have the discipline to eat healthy food and consistently work out. We all want freedom. Discipline is the only way to get it. What is one of the best or most worthwhile investments you’ve ever made? Ever since I have had a home with a garage, I have had a gym in my garage. It is one of the most important factors in allowing me to work out every day regardless of the chaos and mayhem life delivers. The convenience of being able to work out any time, without packing a gym bag, driving, parking, changing, then waiting for equipment . . . The home gym is there for you. No driving. No parking. No little locker to cram your gear into. In your home gym, you never wait for equipment. It is waiting for you. Always. And, perhaps most important: You can listen to whatever music you want, as loud as you want. GET SOME.

This was the engine of doom.” He’d draw a picture of several towers of debt. The first tower was the original subprime loans that had been piled together. At the top of this tower was the triple-A tranche, just below it the double-A tranche, and so on down to the riskiest, triple-B tranche—the bonds Eisman had bet against. The Wall Street firms had taken these triple-B tranches—the worst of the worst—to build yet another tower of bonds: a CDO. A collateralized debt obligation. The reason they’d done this is that the rating agencies, presented with the pile of bonds backed by dubious loans, would pronounce 80 percent of the bonds in it triple-A. These bonds could then be sold to investors—pension funds, insurance companies—which were allowed to invest only in highly rated securities.

homeowner, and come away with $20,000 or $30,000 cash in pocket. Success in real estate required skills that Rob believed were some of his strongest: the work ethic to locate those homes, the social skills to negotiate with people ranging from rich lenders to working-class contractors to poor renters, and the desire to make money in crafty but fundamentally honest ways. And, at least in Rob’s idealized vision, he would be making a positive mark in the world. Because a house meant shelter. It meant heat. It meant security. Above all, it meant family. Some friends who knew about Skeet’s passing felt that something equally powerful drove him: Rob had lost not only his father but also the goal of releasing his father in which he’d invested so much work since high school. He’d achieved almost every objective he’d ever laid out

As Mayor Giuliani began his cleanup of the Times Square area, nobody in power gave any thought to the thousands of “support” people whose survival would be affected when the economic driver of sex was removed from the scene. And the optimistic view that these workers would be forced toward more legitimate work turned out to be puritanical hypocrisy—it was crime itself that gave these men an entrée into the straight world. In time, Santosh began selling laptops of dubious origin, Rajesh started offering small short-term loans, and Azad operated an increasingly successful sideline as a job referral service for undocumented immigrants. Whenever otherwise legitimate employers found themselves in need of some quick off-the-books labor—and they often did, even the hedge fund titans and investment banks down on Wall Street—Azad made it happen for them with one phone call.

I strongly believe in the fact that there’s still plenty of money and plenty of private equity capital available around the globe. What are in short supply are great entrepreneurs and great teams. A trading opportunity or a company’s biggest challenge is and has always been the team behind it. There’s enormous change under way in every facet of the world. Some is technology driven, some is market driven. All that change creates unprecedented opportunity, but to take full advantage of such opportunities I mostly focus on the team. The right teams and right people behind those opportunities always win. There is no secret sauce. Trading and investing has, in my experience, boiled down to building relationships and exchanging value. It consists of striking the right balance between backing and interacting with the right teams with the right business model at the right time and with the right amount of money.

To the untrained eye, the Wall Street people who rode from the Connecticut suburbs to Grand Central were an undifferentiated mass, but within that mass Danny noted many small and important distinctions. If they were on their BlackBerrys, they were probably hedge fund guys, checking their profits and losses in the Asian markets. If they slept on the train they were probably sell-side people—brokers, who had no skin in the game. Anyone carrying a briefcase or a bag was probably not employed on the sell side, as the only reason you’d carry a bag was to haul around brokerage research, and the brokers didn’t read their own reports—at least not in their spare time. Anyone carrying a copy of the New York Times was probably a lawyer or a back-office person or someone who worked in the financial markets without actually being in the markets. Their clothes told you a lot, too. The guys who ran money dressed as if they were going to a Yankees game. Their financial performance was supposed to be all that mattered about them, and so it caused suspicion if they dressed too well. If you saw a buy-side guy in a suit, it usually meant that he was in trouble, or scheduled to meet with someone who had given him money, or both. Beyond that, it was hard to tell much about a buy-side person from what he was wearing. The sell side, on the other hand, might as well have been wearing their business cards: The guy in the blazer and khakis was a broker at a second-tier firm; the guy in the three-thousand-dollar suit and the hair just so was an investment banker at J.P. Morgan or someplace like that. Danny could guess where people worked by where they sat on the train. The Goldman Sachs, Deutsche Bank, and Merrill Lynch people, who were headed downtown, edged to the front—though when Danny thought about it, few Goldman people actually rode the train anymore. They all had private cars. Hedge fund guys such as himself worked uptown and so exited Grand Central to the north, where taxis appeared haphazardly and out of nowhere to meet them, like farm trout rising to corn kernels. The Lehman and Bear Stearns people used to head for the same exit as he did, but they were done. One reason why, on September 18, 2008, there weren’t nearly as many people on the northeast corner of Forty-seventh Street and Madison Avenue at 6:40 in the morning as there had been on September 18, 2007.

There are hundreds of examples of highly functioning commons around the world today. Some have been around for centuries, others have risen in response to economic and environmental crises, and still others have been inspired by the distributive bias of digital networks. From the seed-sharing commons of India to the Potato Park of Peru, indigenous populations have been maintaining their lands and managing biodiversity through a highly articulated set of rules about sharing and preservation. From informal rationing of parking spaces in Boston to Richard Stallman’s General Public License (GPL) for software, new commons are serving to reinstate the value of land and labor, as well as the ability of people to manage them better than markets can. In the 1990s, Elinor Ostrom, the American political scientist most responsible for reviving serious thought about commoning, studied what specifically makes a commons successful. She concluded that a commons must have an evolving set of rules about access and usage and that it must have a way of punishing transgressions. It must also respect the particular character of the resource being managed and the people who have worked with that resource the longest. Managing a fixed supply of minerals is different from managing a replenishing supply of timber. Finally, size and place matter. It’s easier for a town to manage its water supply than for the planet to establish water-sharing rules.78 In short, a commons must be bound by people, place, and rules. Contrary to prevailing wisdom, it’s not an anything-goes race to the bottom. It is simply a recognition of boundaries and limits. It’s pooled, multifaceted investment in pursuit of sustainable production. It is also an affront to the limitless expansion sought by pure capital. If anything, the notion of a commons’ becoming “enclosed” by privatization is a misnomer: privatizing a commons breaks the boundaries that protected its land and labor from pure market forces. For instance, the open-source seed-sharing networks of India promote biodiversity and fertilizer-free practices among farmers who can’t afford Western pesticides.79 They have sustained themselves over many generations by developing and adhering to a complex set of rules about how seed species are preserved, as well as how to mix crops on soil to recycle its nutrients over centuries of growing. Today, they are in battle with corporations claiming patents on these heirloom seeds and indigenous plants. So it’s not the seed commons that have been enclosed by the market at all; rather, the many-generations-old boundaries have been penetrated and dissolved by disingenuously argued free-market principles.

If man had wings, he would have polluted the sky. Houston we have a problem. The era when scientific progress seemed unstoppable has stopped today, showing the weaknesses of governments and peoples to the whole world in the face of any virus. Fifty years ago the question that afflicted some "powerful" states, concerned the ability to reach the mysterious space, an undertaking that, given the age, seemed increasingly difficult. Today, however, the biggest mission the world is facing is to survive, trying to make people holed up in their homes. But where is the meaning of all this? How did we go from the time when everything was possible and the economy seemed unstoppable, to that in which there are no ways to produce simple masks in a short time? Why did we spend almost a century trying to reach the Moon, Mars and the whole Universe, rather than taking care of our fellow men and our planet that collapsed towards extinction minute by minute? It is certainly no coincidence that while the world is facing a Covid-19 pandemic, NASA is committed to managing the upcoming "Mars 2020" mission with launch scheduled for 17 July 2020. The main objective of this new mission it to look for traces of possible Martian microbes and collect soil samples. You would agree with me in affirming that the sense of the space mission, nowadays, could look more like a demonstration of man's superiority over nature and towards the unknown, than a journey to get to know and understand the infinite mysteries of space and its planets? There is something within our world that pushes us to never appreciate what we have, to want more and more, to the point where we begin to sacrifice the most important and indispensable things, in order to reach questionable new horizons. In this way, governments prefer to invest in weapons rather than in health, in multinationals, rather than supporting education, in space missions rather than taking care of our environment, making the world unprepared for an emergency like a pandemic. And here we are, while fifty years ago we were with our eyes glued to a screen and our breath suspended in order to become witnesses of the Apollo 13 mission, today we stare at our televisions while we see the hundreds of thousands in the mouth of death that our world has to spare them. And so, while we have to deal with our indifference and our mistakes, Mother Nature, who for centuries and centuries has been disfigured of all beauty, today comes back to life, showing herself more alive than ever. Nature is regaining its footing and repopulating lands and seas, cities are less polluted and finally you can breathe clean air. Once again, our planet shows us how powerful it is and how it can put man in his place in a few moments. So, for the umpteenth time we are forced to face the fate that we built with indifference and arrogance, forgetting about our eternal vulnerability. Yes Houston, we still have a problem. It's called "human ignorance" disguised as a philosophy of futility.

My Future Self My future self and I become closer and closer as time goes by. I must admit that I neglected and ignored her until she punched me in the gut, grabbed me by the hair and turned my butt around to introduce herself. Well, at least that’s what it felt like every time I left the convalescent hospital after doing skills training for a certification I needed to help me start my residential care business. I was going to be providing specialized, 24/7 residential care and supervising direct care staff for non-verbal, non-ambulatory adult men in diapers! I ran to the Red Cross and took the certified nurse assistant class so I would at least know something about the job I would soon be hiring people to do and to make sure my clients received the best care. The training facility was a Medicaid hospital. I would drive home in tears after seeing what happens when people are not able to afford long-term medical care and the government has to provide that care. But it was seeing all the “young” patients that brought me to tears. And I had thought that only the elderly lived like this in convalescent hospitals…. I am fortunate to have good health but this experience showed me that there is the unexpected. So I drove home each day in tears, promising God out loud, over and over again, that I would take care of my health and take care of my finances. That is how I met my future self. She was like, don’t let this be us girlfriend and stop crying! But, according to studies, we humans have a hard time empathizing with our future selves. Could you even imagine your 30 or 40 year old self when you were in elementary or even high school? It’s like picturing a stranger. This difficulty explains why some people tend to favor short-term or immediate gratification over long-term planning and savings. Take time to picture the life you want to live in 5 years, 10 years, and 40 years, and create an emotional connection to your future self. Visualize the things you enjoy doing now, and think of retirement saving and planning as a way to continue doing those things and even more. However, research shows that people who interacted with their future selves were more willing to improve savings. Just hit me over the head, why don’t you! I do understand that some people can’t even pay attention or aren’t even interested in putting money away for their financial future because they have so much going on and so little to work with that they feel like they can’t even listen to or have a conversation about money. But there are things you’re doing that are not helping your financial position and could be trouble. You could be moving in the wrong direction. The goal is to get out of debt, increase your collateral capacity, use your own money in the most efficient manner and make financial decisions that will move you forward instead of backwards. Also make sure you are getting answers specific to your financial situation instead of blindly guessing! Contact us. We will be happy to help!

The overall U.S. homeownership rate increased from 64 percent in 1994 to a peak in 2004 with an all-time high of 69.2 percent. Real estate had become the leading business in America, more and more speculators invested money in the business. During 2006, 22 percent of homes purchased (1.65 million units) were for investment purposes, with an additional 14 percent (1.07 million units) purchased as vacation homes. These figures led Americans to believe that their economy was indeed booming. And when an economy is booming nobody is really interested in foreign affairs, certainly not in a million dead Iraqis. But then the grave reality dawned on the many struggling, working class Americans and immigrants, who were failing to pay back money they didn't have in the first place. Due to the rise in oil prices and the rise of interest rates, millions of disadvantaged Americans fell behind. By the time they drove back to their newly purchased suburban dream houses, there was not enough money in the kitty to pay the mortgage or elementary needs. Consequently, within a very short time, millions of houses were repossessed. Clearly, there was no one around who could afford to buy those newly repossessed houses. Consequently, the poor people of America became poorer than ever. Just as Wolfowitz's toppled Saddam, who dragged the American Empire down with him, the poor Americans, that were set to facilitate Wolfowitz's war, pulled down American capitalism as well as the American monetary and banking system. Greenspan's policy led an entire class to ruin, leaving America's financial system with a hole that now stands at a trillion dollars.

Life is pretty short yet magnanimous if we know just how to live right. It isn't that easy, it takes a lot of our soul, sometimes too many broken pieces to finally come together in binding a masterpiece that smiles like a solitary star forever gazing around at the music of an eternal cosmos. The most brutal yet beautiful truth about Life is that It is marked, marked with Time where every moment takes us closer to death, it doesn't have to sound or feel bad or scary because death is the most inevitable truth in this mortal world. While the knowledge of death jolts our mind with the uncertainty of Life, clutches us in the emotion of fear to think of pain or the loss of bonds, when we acknowledge that as a part of our souls' journey and take every moment as our precious gift, a blessing to experience this Life with its beautiful garden of emotions blossoming with wonderful smiles that we can paint on others, then we make our Life magnanimous, then we make even the very face of death as that of an angel coming to take us to a different voyage, soaked in a lot of memories and experiences beautifully binding our soul. I have realised that when we live each day as if it's the last day of our life, we become more loving and gentle to everyone around and especially to our own selves. We forgive and love more openly, we grace and embrace every opportunity we get to be kind, to stay in touch with everything that truly matters. I have realised that when we rise every morning with gratitude knowing that the breath of air still passes through our body, just in the mere understanding that we have one more day to experience Life once again, we stay more compassionate towards everything and everyone around and invest more of our selves into everything and everyone that truly connect and resonate with our soul. I have realised that when we consciously try to be good and kind, no matter however bad or suffocating a situation is we always end up taking everything at its best holding on to the firm grip of goodness, accepting everything as a part of our souls' lesson or just a turn of Time or Fate and that shapes into our strength and roots our core with the truest understanding of Life, the simple act of going on and letting go. Letting go of anything and everything that chains our Soul while going on with a Heart open to Love and a Soul ready to absorb all that falls along the pathway of this adventure called Life. I have realised that when we are kind and do anything good for another person, that gives us the most special happiness, something so pure that even our hearts don't know how deep that joy permeates inside our soul. I have realised that at the end of the day we do good not because of others but because of our own selves, for if tomorrow death comes to grace me I hope to smile and say I have Lived, loved unconditionally and embraced forgiveness, kindness and goodness and all the other colours of Love with every breath I caught, I have lived a Life magnanimous. So each time someone's unkind towards you, hold back and smile, and try to give your warmth to that person. Because Kindness is not a declaration of who deserves it, it's a statement of who you are. So each time some pieces of your heart lay scattered, hold them up and embrace everyone of them with Love. Because Love is not a magic potion that is spilled from a hollow space, it's a breath of eternity that flows through the tunnel of your soul. So each time Life puts up a question of your Happiness, answer back with a Smile of Peace. Because Happiness is not what you look for in others, it's what you create in every passing moment, with the power of Life, that is pretty short when we see how counted it stands in days but actually turns out absolutely incredibly magnanimous when loved and lived in moments.