Pay Dividends Quotes

Use money to gain control over your time, because not having control of your time is such a powerful and universal drag on happiness. The ability to do what you want, when you want, with who you want, for as long as you want to, pays the highest dividend that exists in finance.

Controlling your time is the highest dividend money pays.

I mean … we’d just passed our one-year dating anniversary. I figured I was a sort of long-term investment for her. She hoped I would pay dividends eventually; if I died now, she would’ve put up with all my annoying qualities for nothing.

Just as life has no quick fix; transformation lacks a flick-switch approach as well. Investing in a better version of yourself will take time but pay you rich dividends as well.

I very frequently get the question: 'What's going to change in the next 10 years?' And that is a very interesting question; it's a very common one. I almost never get the question: 'What's not going to change in the next 10 years?' And I submit to you that that second question is actually the more important of the two -- because you can build a business strategy around the things that are stable in time. ... [I]n our retail business, we know that customers want low prices, and I know that's going to be true 10 years from now. They want fast delivery; they want vast selection. It's impossible to imagine a future 10 years from now where a customer comes up and says, 'Jeff I love Amazon; I just wish the prices were a little higher,' [or] 'I love Amazon; I just wish you'd deliver a little more slowly.' Impossible. And so the effort we put into those things, spinning those things up, we know the energy we put into it today will still be paying off dividends for our customers 10 years from now. When you have something that you know is true, even over the long term, you can afford to put a lot of energy into it.

You will invest in something as you live your life, so make sure it is something that will pay dividends you will enjoy.

Keep at it. Persistence does pay dividends. But there is a catch; you gotta believe it before manifestation will validate conviction as [your] truth. And sacrifice is a required path to fulfillment.

Regret never pays dividends

Short-term profits are not reliable indicator of performance of management. Anybody can pay dividends by deferring maintenance, cutting out research, or acquiring another company.

Travel is costly yes, but it pays dividends too.

Knowledge is a commodity to be shared. For knowledge to pay dividends, it should not remain the monopoly of the selected few.

He thought she was happy. She didn't have the heart to tell him the truth. There was no need, anyway. Happiness never lasted, because happiness didn't pay dividends. That was just the way the world worked.

An investment in self-development pays the highest dividends.

Many people object to “wasting money in space” yet have no idea how much is actually spent on space exploration. The CSA’s budget, for instance, is less than the amount Canadians spend on Halloween candy every year, and most of it goes toward things like developing telecommunications satellites and radar systems to provide data for weather and air quality forecasts, environmental monitoring and climate change studies. Similarly, NASA’s budget is not spent in space but right here on Earth, where it’s invested in American businesses and universities, and where it also pays dividends, creating new jobs, new technologies and even whole new industries.

Lured by the wilderness, and by the chance of spotting rare desert elephants, a few intrepid tourists make their way to the Skeleton Coast each year. It's just about as remote as any tourist destination on earth, but one that pays fabulous dividends.

Things outside are just a projection from the DVD playing inside you. The time you invest for knowing your inner self will pay dividends outside.

There are essentially five things public corporations can do with a dollar earned: reinvest in the business, acquire other businesses or assets, pay down debt, pay dividends, and/or buy in shares. Deciding

The true investor . . . will do better if he forgets about the stock market and pays attention to his dividend returns and to the operating results of his companies.

Be willing for purpose; it pays huge returns on investment. And along the journey, those who dis your willing sacrifice(s) will ponder their own foolishness.

Few things will pay you bigger dividends in life than the time and trouble you take to understand people and build relationships. As

Aoife also offered a 50 per cent discount if I held it here. She might look dowdy but she’s savvy. That’s how she clinched it. She knows I’ll feature it in the magazine now, knows it’ll get press because of Will. It’ll pay dividends in the end.

If there’s one place, then, where we can intervene in a way that will pay dividends for society down the road, it’s in the classroom. Yet that’s barely happening. All the big debates in education are about format. About delivery. About didactics. Education is consistently presented as a means of adaptation – as a lubricant to help you glide more effortlessly through life. On the education conference circuit, an endless parade of trend watchers prophesy about the future and essential twenty-first-century skills, the buzzwords being “creative,” “adaptable,” and “flexible.” The focus, invariably, is on competencies, not values. On didactics, not ideals. On “problem-solving ability,” but not which problems need solving. Invariably, it all revolves around the question: Which knowledge and skills do today’s students need to get hired in tomorrow’s job market – the market of 2030? Which is precisely the wrong question. In 2030, there will likely be a high demand for savvy accountants untroubled by a conscience. If current trends hold, countries like Luxembourg, the Netherlands, and Switzerland will become even bigger tax havens, enabling multinationals to dodge taxes even more effectively, leaving developing countries with an even shorter end of the stick. If the aim of education is to roll with these kinds of trends rather than upend them, then egotism is set to be the quintessential twenty-first-century skill. Not

Sin always overpromises and underdelivers, while righteousness pays dividends for eternity... Nothing is more illogical than sin. It's the epitome of poor judgment. It's temporary insanity with eternal consequences. And we have no alibi, save the cross of Jesus Christ.

Practical knowledge is the ultimate commodity, and is what will pay you dividends for decades to come—far more than the paltry increase in pay you might receive at some seemingly lucrative position that offers fewer learning opportunities.

The concept of ‘spending’ is problematic. When we are functioning with intention and wisdom, the only thing we really do with money is invest. There are small investments, and big investments. There are good investments and bad investments…The ROI we get for some investments is a product or service - the groceries in exchange for money, or the the car wash in exchange for money. And the ROI we get for other investments may be additional money in the form of interest or dividends, while the ROI in other cases is just a sense of fulfillment after maybe giving to charity or buying a gift for your spouse, or paying for your kids tuition, or creating art. When we look at it from this perspective, we get rid of the expectation that sending money out is a loss, and we replace it with an expectation that sending money out will always result in an ROI of some kind. Everything is an investment when we act with intention and wisdom.

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.

I have found that there is romance in housework: and charm in it; and whimsy and humor without end. I have found that the housewife works hard, of course–but likes it. Most people who amount to anything do work hard, at whatever their job happens to be. The housewife’s job is home-making, and she is, in fact, ‘making the best of it’; making the best of it by bringing patience and loving care to her work; sympathy and understanding to her family; making the best of it by seeing all the fun in the day’s incidents and human relationships. The housewife realizes that home-making is an investment in happiness. It pays everyone enormous dividends. There are huge compensations for the actual labor involved… There are unhappy housewives, of course. But there are unhappy stenographers and editresses and concert singers. The housewife whose songs I sing as I go about my work, is the one who likes her job (pp. 6-7). From Songs of a Housewife: Poems by Marjorie Kinnan Rawlings

Just like downing a powerful caffeine drink, “reaching out to others” pays that big “life energizer dividend!

Spend your money for education; it will pay you the best dividend. No one will be able to steal is and you will not lose it for a second.

Hope, once invested in, always pays dividends.

The ability to do what you want, when you want, with who you want, for as long as you want, is priceless. It is the highest dividend money pays.

It’s hard to put a dollar value on that advice. It’s the kind of thing that continues to pay dividends. But make no mistake: The advice had tangible economic value.

Columbus, desperate to pay back dividends to those who had invested, had to make good his promise to fill the ships with gold. In the province of Cicao on Haiti, where he and his men imagined huge gold fields to exist, they ordered all persons fourteen years or older to collect a certain quantity of gold every three months. When they brought it, they were given copper tokens to hang around their necks. Indians found without a copper token had their hands cut off and bled to death. The Indians had been given an impossible task. The only gold around was bits of dust garnered from the streams. So they fled, were hunted down with dogs, and were killed.

Because we tend to remember the best of times and the worst of times instead of the most likely of times, the wealth of experience that young people admire does not always pay clear dividends.

To combat fear, the best strategy is to learn to bring your attention back to the present. Mark Twain said, “I have been through some terrible things in my life, some of which actually happened.” I don’t think I can say it any better. Practice keeping your attention on the here and now. Your efforts will pay great dividends.

Indeed, the calculated costs and benefits of passion and perseverance don’t always add up, at least in the short run. It’s often more “sensible” to give up and move on. It can be years or more before grit’s dividends pay off.

How now in the contemplative evening of his days, the pious Bildad reconciled these things in the reminiscence, I do not know; but it did not seem to concern him much, and very probably he had long since come to the sage and sensible conclusion that a man's religion is one thing, and this practical world quite another. This world pays dividends.

Basically, CEOs have five essential choices for deploying capital—investing in existing operations, acquiring other businesses, issuing dividends, paying down debt, or repurchasing stock—and three alternatives for raising it—tapping internal cash flow, issuing debt, or raising equity. Think of these options collectively as a tool kit. Over the long term, returns for shareholders will be determined largely by the decisions a CEO makes in choosing which tools to use (and which to avoid) among these various options. Stated simply, two companies with identical operating results and different approaches to allocating capital will derive two very different long-term outcomes for shareholders.

Practical knowledge is the ultimate commodity, and is what will pay you dividends for decades to come—far more than the paltry increase in pay you might receive at some seemingly lucrative position that offers fewer learning opportunities

God is your boss. He is your power, he is your promotion, and he determines your future. It's not you, or your boss that makes the decisions about your life, it's God! So if your circumstances are a warning that you should slow down, then you should listen up, take note, and start working in God's timing. Don't fight God's timing, because you can never win. Just a gentle submission to the will and purpose of God to move more slowly, will pay dividends, and help you from making too many mistakes.

Who wouldn’t want to claim an identity that allows them to pay zero taxes on capital gains, interests, or dividends? Puerto Rico represents a chance to live the American dream as it was intended: the freedom to reach our full potential without having to support a welfare state.

You and I were born with a number of God given commodities that were intended to be shared. Among them is our time, friendship and love. These three things pay immeasurable dividends when shared with others. Freely giving of your time, your friendship and your love is the greatest gift you can give someone. Materially, it costs very little and yet there is nothing on this earth that yields a higher return. ~Jason Versey

There are many people for whom hate and rage pay a higher dividend of immediate satisfaction than love. Congenitally aggressive, they soon become adrenaline addicts, deliberately indulging psychically stimulated endocrines. Knowing that on self-assertion always ends by evoking other and hostile self-assertions, they sedulously cultivate their truculence. And, sure enough, very soon they find themselves in the thick of a fight. But a fight is what they most enjoy; for it is while they are fighting that their blood chemistry makes them feel most intensely themselves. "Feeling good", they naturally assume that they *are good. Adrenalin addiction is rationalized as Righteous Indignation and finally, like the prophet Jonah, they are convinced, unshakably, that they do well to be angry.

To only responsible choice I can make today is to Give, Love and be Happy .. pays a high dividend on a long term !

A thorough and accurate diagnosis, while more time-consuming, will pay huge dividends in the future.

Are You Paying Trust Taxes, or Earning Trust Dividends?

automatically compound. If you need cash, you can sell stock and pay capital gains tax at a lower rate than a dividend would be taxed.

no investment pays higher dividends than education.

Because I actually landed a gig for my junior year that had the potential to pay huge dividends in my future.

Kindness is built on three factors, which are appreciation, compassion, and personal power. Appreciation is awareness of the gifts of others while simultaneously appreciating yourself as the opposite person is a mirror of you. Compassion is the hard earned gift of experience in action that pays off in dividends. Kindness is an Abundance of Flow of Personal Power.

I cannot decide how much to borrow, what shares to issue, at what price, what wages and bonus to pay, and what dividend to give. I even need the government's permission for the salary I pay to a senior executive.

A network functions precisely because there’s recognition of mutual need. There’s an implicit understanding that investing time and energy in building personal relationships with the right people will pay dividends. The majority of “one percenters” are in that top stratum because they understand this dynamic—because, in fact, they themselves used the power of their network of contacts and friends to arrive at their present station.

When the weeks have built up with frustration and immense stress and one of your co-workers, a manager or an employee triggers irritation or angers you, knowing how to respond in a mindful way can pay huge dividends. Knowing how to not take other people’s emotional baggage personally and intuitively sensing when to bring up concerns and when not to is an expression of emotional intelligence. This is all possible if we are being truly mindful.

As the masses lose their economic importance, will the moral argument alone be enough to protect human rights and liberties? Will elites and governments go on valuing every human being even when it pays no economic dividends?

Attention and discipline, regarding where we focus, pay huge dividends. We must be mindful, attentive, and awake. If not sober and vigilant, the old program runs automatically, and we are once again just pawns in the already established game.

Truth telling is an investment we must make in relationships—whether personal or professional. It takes a lot of time and thought, and sometimes, courage. However, there is probably not another investment of time that pays a greater dividend when done well.

Basically, CEOs have five essential choices for deploying capital—investing in existing operations, acquiring other businesses, issuing dividends, paying down debt, or repurchasing stock—and three alternatives for raising it—tapping internal cash flow, issuing debt, or raising equity.

Since the greatest room for each person's growth is in the areas of his greatest strength, you should focus your training time and money on educating him about his strengths and figuring out ways to build on these strengths rather than on remedially trying to plug his 'skill gaps.' You will find that this one shift in emphasis will pay huge dividends. In one fell swoop you will sidestep three potential pitfalls to building a strengths-based organization: the 'I don't have the skills and knowledge I need' problem, the 'I don't know what I'm best at' problem, and the 'my manager doesn't know what I'm best at' problem.

the Amazon hiring process has a flywheel effect—it pays greater and greater dividends the longer it is used. Ideally, the bar continues to be set higher, so much that, eventually, employees should be able to say to themselves, “I’m glad I joined when I did. If I interviewed for a job today, I’m not sure I’d be hired!

If I burst into a house and yell to all assembled, “Put on the kettle!” I have uttered an imperative English sentence, but some will probably infer that I would like to have a cup of tea or other hot beverage, while another may further surmise that I feel myself at home here, and may in fact be the occupant of this house. Yet another person present, a monoglot Hungarian, may infer only that I speak English, and so does whomever I am addressing (well, it sounds like English to her), while somebody really in the know will be instantly informed that I have decided after all to steam open that sealed envelope and surreptitiously read the letter inside in spite of the fact that it isn’t addressed to me; a crime is about to be committed. What semantic information can be gleaned from the event depends on what information the gleaner already has accumulated. Learning that somebody speaks English can be a valuable update to your world knowledge, a design improvement that may someday pay big dividends.

How now in the contemplative evening of his days, the pious Bildad reconciled these things in the reminiscence, I do not know; but it did not seem to concern him much, and very probably he had long since come to the sage and sensible conclusion that a man’s religion is one thing, and this practical world quite another. This world pays dividends.

If you want to get to the truth about what makes us different, it’s this,” Bezos says, veering into a familiar Jeffism: “We are genuinely customer-centric, we are genuinely long-term oriented and we genuinely like to invent. Most companies are not those things. They are focused on the competitor, rather than the customer. They want to work on things that will pay dividends in two or three years, and if they don’t work in two or three years they will move on to something else. And they prefer to be close-followers rather than inventors, because it’s safer. So if you want to capture the truth about Amazon, that is why we are different. Very few companies have all of those three elements.

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

Yes, they are getting ready for another war. Why shouldn't they? It pays high dividends. But what does it profit the masses? What does it profit the men who are killed? What does it profit the men who are maimed? What does it profit their mothers and sisters, their wives and their sweethearts? What does it profit their children? What does it profit anyone except the very few to whom war means huge profits?

It's simply not possible to always see the world fresh and in full, like a child, while also making money, paying bills on time, and taking care of a family...But doing this work and occasionally acting like a two-year-old pays dividends of awe and pleasure. It doesn't take very much time to notice that you live within nature...Wonder doesn't come from outside after driving somewhere spectacular, it comes from within: It's a union of the natural world and the mind prepared to receive it.

Consider the level of car-purchasing knowledge Dr. South has recently acquired that will never pay capital gains or real dividends or enhance the productivity of his business. He now has knowledge about every Porsche dealer within a four hundred-mile radius of his home. Dr. South also can tell you immediately the dealer’s cost on nearly every Porsche model, the cost of options and accessories, and the performance characteristics of most models. It takes much time and effort to acquire such information. Dr.

Habituating ourselves a little every day to the basic groundlessness of life will pay large dividends at the end of life. Somehow, despite its ongoing presence in our lives, we're still not used to continual change. The uncertainty that accompanies every day and every moment of our lives is still an unfamiliar presence. As we contemplate these teachings and pay attention to the constant, unpredictable flow of our experience, we just might start to feel more relaxed with how things are. If we can bring this relaxation to our deathbed, we will be ready for whatever may happen next.

I have found it frustrating at times that so few people know what the space program does and, as a result, are unaware that they benefit from it. Many people object to “wasting money in space” yet have no idea how much is actually spent on space exploration. The CSA’s budget, for instance, is less than the amount Canadians spend on Halloween candy every year, and most of it goes toward things like developing telecommunications satellites and radar systems to provide data for weather and air quality forecasts, environmental monitoring and climate change studies. Similarly, NASA’s budget is not spent in space but right here on Earth, where it’s invested in American businesses and universities, and where it also pays dividends, creating new jobs, new technologies and even whole new industries. The

Recognizing how most great fortunes had been built up in predatory ways, through usury, war lending and political insider dealings to grab the Commons and carve out burdensome monopoly privileges led to a popular view of financial magnates, landlords and hereditary ruling elite as parasitic by the 19th century, epitomized by the French anarchist Proudhon’s slogan “Property as theft.” Instead of creating a mutually beneficial symbiosis with the economy of production and consumption, today’s financial parasitism siphons off income needed to invest and grow. Bankers and bondholders desiccate the host economy by extracting revenue to pay interest and dividends. Repaying a loan – amortizing or “killing” it – shrinks the host. Like the word amortization, mortgage (“dead hand” of past claims for payment) contains the root mort, “death.” A financialized economy becomes a mortuary when the host economy becomes a meal for the financial free luncher that takes interest, fees and other charges without contributing to production.

You are personally responsible for so much of the sunshine that brightens up your life. Optimists and gentle souls continually benefit from their very own versions of daylight saving time. They get extra hours of happiness and sunshine every day. – Douglas Pagels, from Simple Thoughts That Can Literally Change Your Life The secret joys of living are not found by rushing from point A to point B, but by slowing down and inventing some imaginary letters along the way. – Douglas Pagels, from Simple Thoughts That Can Literally Change Your Life “There is nothing more important than family.” Those words should be etched in stone on the sidewalks that lead to every home. – Douglas Pagels, from Simple Thoughts That Can Literally Change Your Life I may be uncertain about exactly where I’m headed, but I am very clear regarding this: I’m glad I’ve got a ticket to go on this magnificent journey. – Douglas Pagels, from Simple Thoughts That Can Literally Change Your Life When your heart is filled with gratitude for what you do have, your head isn’t nearly so worried about what you don’t. – Douglas Pagels, from Simple Thoughts That Can Literally Change Your Life Don’t let cynical people transfer their cynicism off on you. In spite of its problems, it is still a pretty amazing world, and there are lots of truly wonderful people spinning around on this planet. – Douglas Pagels, from Required Reading for All Teenagers All the good things you can do – having the right attitude, having a strong belief in your abilities, making good choices and responsible decisions – all those good things will pay huge dividends. You’ll see. Your prayers will be heard. Your karma will kick in. The sacrifices you made will be repaid. And the good work will have all been worth it. – Douglas Pagels, from Required Reading for All Teenagers The more you’re bothered by something that’s wrong, the more you’re empowered to make things right. – Douglas Pagels, from Everyone Should Have a Book Like This to Get Through the Gray Days May you be blessed with all these things: A little more joy, a little less stress, a lot more understanding of your wonderfulness. Abundance in your life, blessings in your days, dreams that come true, and hopes that stay. A rainbow on the horizon, an angel by your side, and everything that could ever bring a smile to your life. – Douglas Pagels, from May You Be Blessed with All These Things Each day brings with it the miracle of a new beginning. Many of the moments ahead will be marvelously disguised as ordinary days, but each one of us has the chance to make something extraordinary out of them. – Douglas Pagels, from May You Be Blessed with All These Things Keep planting the seeds of your dreams, because if you keep believing in them, they will keep trying their best to blossom for you. – Douglas Pagels, from May You Be Blessed with All These Things I hope your dreams take you... to the corners of your smiles, to the highest of your hopes, to the windows of your opportunities, and to the most special places your heart has ever known. – Douglas Pagels, from May You Be Blessed with All These Things Love is what holds everything together. It’s the ribbon around the gift of life. – Douglas Pagels, from May You Be Blessed with All These Things There are times in life when just being brave is all you need to be. – Douglas Pagels, from May You Be Blessed with All These Things When it comes to anything – whether it involves people or places or jobs or hoped-for plans – you never know what the answer will be if you don’t ask. And you never know what the result will be if you don’t try. – Douglas Pagels, from Make Every Day a Positive One Don’t just have minutes in the day; have moments in time. – Douglas Pagels, from Chasing Away the Clouds A life well lived is simply a compilation of days well spent. – Douglas Pagels, from Chasing Away the Clouds

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.

she feels lucky to have a job, but she is pretty blunt about what it is like to work at Walmart: she hates it. She’s worked at the local Walmart for nine years now, spending long hours on her feet waiting on customers and wrestling heavy merchandise around the store. But that’s not the part that galls her. Last year, management told the employees that they would get a significant raise. While driving to work or sorting laundry, Gina thought about how she could spend that extra money. Do some repairs around the house. Or set aside a few dollars in case of an emergency. Or help her sons, because “that’s what moms do.” And just before drifting off to sleep, she’d think about how she hadn’t had any new clothes in years. Maybe, just maybe. For weeks, she smiled at the notion. She thought about how Walmart was finally going to show some sign of respect for the work she and her coworkers did. She rolled the phrase over in her mind: “significant raise.” She imagined what that might mean. Maybe $2.00 more an hour? Or $2.50? That could add up to $80 a week, even $100. The thought was delicious. Then the day arrived when she received the letter informing her of the raise: 21 cents an hour. A whopping 21 cents. For a grand total of $1.68 a day, $8.40 a week. Gina described holding the letter and looking at it and feeling like it was “a spit in the face.” As she talked about the minuscule raise, her voice filled with anger. Anger, tinged with fear. Walmart could dump all over her, but she knew she would take it. She still needed this job. They could treat her like dirt, and she would still have to show up. And that’s exactly what they did. In 2015, Walmart made $14.69 billion in profits, and Walmart’s investors pocketed $10.4 billion from dividends and share repurchases—and Gina got 21 cents an hour more. This isn’t a story of shared sacrifice. It’s not a story about a company that is struggling to keep its doors open in tough times. This isn’t a small business that can’t afford generous raises. Just the opposite: this is a fabulously wealthy company making big bucks off the Ginas of the world. There are seven members of the Walton family, Walmart’s major shareholders, on the Forbes list of the country’s four hundred richest people, and together these seven Waltons have as much wealth as about 130 million other Americans. Seven people—not enough to fill the lineup of a softball team—and they have more money than 40 percent of our nation’s population put together. Walmart routinely squeezes its workers, not because it has to, but because it can. The idea that when the company does well, the employees do well, too, clearly doesn’t apply to giants like this one. Walmart is the largest employer in the country. More than a million and a half Americans are working to make this corporation among the most profitable in the world. Meanwhile, Gina points out that at her store, “almost all the young people are on food stamps.” And it’s not just her store. Across the country, Walmart pays such low wages that many of its employees rely on food stamps, rent assistance, Medicaid, and a mix of other government benefits, just to stay out of poverty. The

Equity financing, on the other hand, is unappealing to cooperators because it may mean relinquishing control to outside investors, which is a distinctly capitalist practice. Investors are not likely to buy non-voting shares; they will probably require representation on the board of directors because otherwise their money could potentially be expropriated. “For example, if the directors of the firm were workers, they might embezzle equity funds, refrain from paying dividends in order to raise wages, or dissipate resources on projects of dubious value.”105 In any case, the very idea of even partial outside ownership is contrary to the cooperative ethos. A general reason for traditional institutions’ reluctance to lend to cooperatives, and indeed for the rarity of cooperatives whether related to the difficulty of securing capital or not, is simply that a society’s history, culture, and ideologies might be hostile to the “co-op” idea. Needless to say, this is the case in most industrialized countries, especially the United States. The very notion of a workers’ cooperative might be viscerally unappealing and mysterious to bank officials, as it is to people of many walks of life. Stereotypes about inefficiency, unprofitability, inexperience, incompetence, and anti-capitalism might dispose officials to reject out of hand appeals for financial assistance from co-ops. Similarly, such cultural preconceptions may be an element in the widespread reluctance on the part of working people to try to start a cooperative. They simply have a “visceral aversion” to, and unfamiliarity with, the idea—which is also surely a function of the rarity of co-ops itself. Their rarity reinforces itself, in that it fosters a general ignorance of co-ops and the perception that they’re risky endeavors. Additionally, insofar as an anti-democratic passivity, a civic fragmentedness, a half-conscious sense of collective disempowerment, and a diffuse interpersonal alienation saturate society, this militates against initiating cooperative projects. It is simply taken for granted among many people that such things cannot be done. And they are assumed to require sophisticated entrepreneurial instincts. In most places, the cooperative idea is not even in the public consciousness; it has barely been heard of. Business propaganda has done its job well.106 But propaganda can be fought with propaganda. In fact, this is one of the most important things that activists can do, this elevation of cooperativism into the public consciousness. The more that people hear about it, know about it, learn of its successes and potentials, the more they’ll be open to it rather than instinctively thinking it’s “foreign,” “socialist,” “idealistic,” or “hippyish.” If successful cooperatives advertise their business form, that in itself performs a useful service for the movement. It cannot be overemphasized that the most important thing is to create a climate in which it is considered normal to try to form a co-op, in which that is seen as a perfectly legitimate and predictable option for a group of intelligent and capable unemployed workers. Lenders themselves will become less skeptical of the business form as it seeps into the culture’s consciousness.

in truth, success doesn't demand a price. Every step forward pays a dividend.

As you know, not all relationships are the same. Some need more nurturing than others.  Rather than leave this to chance, a thoughtful, intentional way to build professional relationships will pay dividends.

It nevertheless remains true that, in most countries for which long-run data are available, stocks have out-performed bonds – by a factor of roughly five over the twentieth century.9 This can scarcely surprise us. Bonds, as we saw in Chapter 2, are no more than promises by governments to pay interest and ultimately repay principal over a specified period of time. Either through default or through currency depreciation, many governments have failed to honour those promises. By contrast, a share is a portion of the capital of a profit-making corporation. If the company succeeds in its undertakings, there will not only be dividends, but also a significant probability of capital appreciation. There are of course risks, too. The returns on stocks are less predictable and more volatile than the returns on bonds and bills. There is a significantly higher probability that the average corporation will go bankrupt and cease to exist than that the average sovereign state will disappear. In the event of a corporate bankruptcy, the holders of bonds and other forms of debt will be satisfied first; the equity holders may end up with nothing. For these reasons, economists see the superior returns on stocks as capturing an ‘equity risk premium’ – though clearly in some cases this has been a risk well worth taking.

To Aristotle, eudaimonia is not a fleeting positive emotion. Rather, it is something you do. Leading a eudaimonic life, Aristotle argued, requires cultivating the best qualities within you both morally and intellectually and living up to your potential. It is an active life, a life in which you do your job and contribute to society, a life in which you are involved in your community, a life, above all, in which you realize your potential, rather than squander your talents. Psychologists have picked up on Aristotle’s distinction. If hedonia is defined as “feeling good,” they argue, then eudaimonia is defined as “being and doing good”—and as “seeking to use and develop the best in oneself” in a way that fits with “one’s deeper principles.” It is a life of good character. And it pays dividends. As three scholars put it, “The more directly one aims to maximize pleasure and avoid pain, the more likely one is to produce instead a life bereft of depth, meaning, and community.” But those who choose to pursue meaning ultimately live fuller—and happier—lives. It’s difficult, of course, to measure a concept like meaning in the lab, but, according to psychologists, when people say that their lives have meaning, it’s because three conditions have been satisfied: they evaluate their lives as significant and worthwhile—as part of something bigger; they believe their lives make sense; and they feel their lives are driven by a sense of purpose.

A good rule of thumb is to never, ever pay more than 15 years fair rental value for any residence.c This computes out to a 6.7 percent (1/15th) gross rental dividend, or 3.7 percent after taxes, insurance, and maintenance, which is about what you might expect from a mixed portfolio of stocks and bonds.

If you want to become financially independent—the ability to do what you want and when you want to do it, without having to work—you need to invest in certain great businesses that have a history of paying and raising their dividends.

Contrarily, for those who invest and then drop out of the game and never pay a single unnecessary cost, the odds in favor of success are awesome. Why? Simply because they own businesses, and businesses as a group earn substantial returns on their capital and pay out dividends to their owners. Yes, many individual companies fail. Firms with flawed ideas and rigid strategies and weak managements ultimately fall victim to the creative destruction that is the hallmark of competitive capitalism, only to be succeeded by others.3 But in the aggregate, businesses grow with the long-term growth of our vibrant economy.

They’d been trained to make a tangible thing, and to sell the thing for a little more than the thing cost to make, and then to use that profit to pay people, make better things, and slide a little dividend into the pockets of those who’d risked their money to invest in the creation. The idea was pretty simple. But America had come a long way—and had decided the idea was too simple. So,

The love you share with yourself pays immediate and lifelong dividends of peace.

In the same way both Lincoln and the Japanese regard people. These are also a kind of currency. A man is worth what he does. Lincoln upon hearing a new name asks, “What does he do?” Almost never, “What has he done?” Much more often, “What does he want to do?” He invests in people—as do the Japanese, and just as freely, just as openly. People are currency. They pay dividends. Both Lincoln and the Japanese pay high dividends too. The resulting relationship is one of nature’s happiest—symbiosis. Flesh may dazzle, wit may seduce, but not for long. Infatuation over in a matter of minutes, Lincoln wants to know, “Now, what is it that you can do best?” He wants to know because then, to protect his investment, he will put you on the proper road, help you achieve your potential. Often in his own country Lincoln is misunderstood. They do not comprehend that there are rewards for accomplishment but that there is no sympathy for failure. Japan understands well. This most pragmatic of people do not count hopes or intentions as accomplishments. A man is what he does. After his death, he is what he has done.

Originating at the top, simplification requires a leadership quality that’s often in short supply: courage. It requires a leap of faith, the belief that freeing people to do higher-level thinking will pay back dividends. And it requires a mindset—the will, foresight, and fortitude to push simplicity through. Do you as a leader have these things? If not, why not?

Easy success is usually a sign of a superficial success. I must never be afraid of arduous work or that the closing stages seem so far away. No person ever accomplished anything significant in one big leap. I shall dedicate myself to making one resolute step at a time. If all one sought to achieve proved effortless, one has not sought but merely found what waited for him or her to run into at a convenient time. It pays remarkable dividends to maintain spirits suffused with hopeful optimism. We should not despair to long when we stumble because despair brings with it hesitation; it simply delays the recovery period and hinders our timely return to the forefront. At times, it is impossible not to experience doubt or avoid the onslaught of melancholy. All we can do when engulfed in uncertainly or a gloomy mindset is to continue to push forward with all our might. We suffer because we are privileged. We must remind ourselves that regardless of whatever ails us, we suffer because we still exist while other people sleep. It helps to stave off glum if one loves other people, reveres nature, and respects oneself, irrespective of their infirmities and weaknesses. It also helps if one can maintain a private sanctuary where one can withdraw to when needed to heal an aggrieved psyche. Inside each of us, we must cultivate a sacred space, a space that we can heal our wounded psyche. We can also judiciously take advantage of our free time to train our body and mind for worthwhile undertakings.

The difference between working on extinction level events and working on longevity is that longevity is guaranteed to give you dividends; guaranteed to have a pay off at some point, perhaps even by accident.

Use money to gain control over your time, because not having control of your time is such a powerful and universal drag on happiness. The ability to do what you want, when you want, with who you want, for as long as you want to, pays the highest dividend that exists in finance

Blue-chip stocks are a reasonable investment for the elderly investor because they usually pay cash dividends which the retired person may need to live on, and are usually more conservative than other investments, excluding bonds. Holdings in these stocks should be long-term to avoid trading costs and speculation.

Small changes in how much you notice the luck that you would otherwise overlook will have a big influence on the way your life turns out. Those small changes act like compounding interest that pays big dividends on your future decision-making.

Invest in companies that pay a dividend

We get to model Jesus’love in action to our kids. We get to set an example of a servant’s heart. We get to be the hands and feet of Jesus to these little ones. We get to point our kids to Jesus and pour into them in their most formative years. And we get to acknowledge our struggles, admit when we are wrong, and experience their forgiveness. Ultimately, we have the opportunity to show our kids what humble leadership looks like, and that’s powerful stuff! And sometimes we get opportunities to see all that work pay off in big dividends as our kids model Jesus’love right back to us! If you’re feeling the work you are doing is mundane and thankless, picture me leaning in and looking into your eyes right now and saying this: Don’t give up. Press on. Keep loving the people around you wholeheartedly. Keep investing. Keep showing up and leading with humility. It is making a difference—even if you can’t see it right now.

Time to me is a renewable resource that pays infinite dividends when invested in purposed priorities.

The highest form of wealth is the ability to wake up every morning and say, “I can do whatever I want today.” People want to become wealthier to make them happier. Happiness is a complicated subject because everyone’s different. But if there’s a common denominator in happiness—a universal fuel of joy—it’s that people want to control their lives. The ability to do what you want, when you want, with who you want, for as long as you want, is priceless. It is the highest dividend money pays.

Investing in dividend stocks is one of the best ways to build wealth. The reason it works so well is that you can take the cash from a dividend payment and use it to buy more dividend stocks. Then those dividend stocks will pay you more dividends.

But as we pointed out in Chapter Two, it doesn’t make sense to wait until your children’s brains have fully matured before entrusting them with decisions, or you would be waiting until their late twenties or early thirties. The brain develops according to how it’s used. This means that by encouraging our kids—and requiring our adolescents—to make their own decisions, we are giving them invaluable experience in assessing their own needs honestly, paying attention to their feelings and motivations, weighing pros and cons, and trying to make the best possible decision for themselves. We help them develop a brain that’s used to making hard choices and owning them. This is huge and will pay big future dividends.

Success involves making many difficult choices and drawing the lines that go with them, trusting that your progress will pay dividends over time, if only you can keep yourself on track. You just need to keep telling yourself: Not long.

They formally authorized Ivar to transfer any amount of money out of International Match and to permit him to limit transfers into International Match to no more than necessary to meet the company’s quarterly dividend payments.24 Ivar had argued that they should keep all surplus profits outside of International Match, and therefore out of America, to avoid paying tax on those profits. The directors accepted that rationale and gave him the authority. They seemed unconcerned about where the money might go or what Ivar might do with it.

In late July 1925, International Match sold 450,000 new preferred shares for 45 dollars per share – a full 10 dollars more than the issue just eight months earlier. Including dividends, investors in the previous issue already had profited by almost 30 percent. With that track record, it was easy for Lee Higginson to raise an additional 19.6 million dollars for International Match. After paying expenses and other obligations, about 17 million dollars remained. That was exactly the amount of Ivar’s obligation to Poland. At Ivar’s direction, the cash banked like a billiard ball from International Match to Swedish Match to Garanta to Poland – from New York to Stockholm to Amsterdam to Warsaw. It was a complex transaction, but the pieces seemed to fit. Or did they? Did the money make it through those last steps? Did Ivar initially send Poland only the 6 million dollars that Torsten had agreed to lend, the initial amount that the Polish government had approved? Or did he also send the additional amounts that supposedly were part of his secret agreement with Dr Glowacki, but were not yet approved by the government? No one in America knew, and Ivar intended to keep it that way.

But it wasn’t long before this strategy started to pay dividends. With each successive four-mile running interval, I began to pass runners, two to four at a time. When I walked, one of these athletes would again pass me, but not the others. And when I resumed the running, I would pass that person, plus two to three more. Again and again. Leapfrogging my way up the field. And that’s when I started to believe.

In our modern democracy, shamelessness can be positively advantageous. Politicians who aren’t hindered by shame are free to do things others wouldn’t dare. Would you call yourself your country’s most brilliant thinker, or boast about your sexual prowess? Could you get caught in a lie and then tell another without missing a beat? Most people would be consumed by shame – just as most people leave that last cookie on the plate. But the shameless couldn’t care less. And their audacious behaviour pays dividends in our modern mediacracies, because the news spotlights the abnormal and the absurd. In this type of world, it’s not the friendliest and most empathic leaders who rise to the top, but their opposites. In this world, it’s survival of the shameless.