Portfolio Day Quotes

What the hell does it all mean anyhow? Nothing. Zero. Zilch. Nothing comes to anything. And yet, there's no shortage of idiots to babble. Not me. I have a vision. I'm discussing you. Your friends. Your coworkers. Your newspapers. The TV. Everybody's happy to talk. Full of misinformation. Morality, science, religion, politics, sports, love, your portfolio, your children, health. Christ, if I have to eat nine servings of fruits and vegetables a day to live, I don't wanna live. I hate goddamn fruits and vegetables. And your omega 3's, and the treadmill, and the cardiogram, and the mammogram, and the pelvic sonogram, and oh my god the-the-the colonoscopy, and with it all the day still comes where they put you in a box, and its on to the next generation of idiots, who'll also tell you all about life and define for you what's appropriate. My father committed suicide because the morning newspapers depressed him. And could you blame him? With the horror, and corruption, and ignorance, and poverty, and genocide, and AIDS, and global warming, and terrorism, and-and the family value morons, and the gun morons. "The horror," Kurtz said at the end of Heart of Darkness, "the horror." Lucky Kurtz didn't have the Times delivered in the jungle. Ugh... then he'd see some horror. But what do you do? You read about some massacre in Darfur or some school bus gets blown up, and you go "Oh my God, the horror," and then you turn the page and finish your eggs from the free range chickens. Because what can you do. It's overwhelming!

Little sleep, no investment portfolio, no family around, no hot water. On an evening a few days after arriving in Cange, I wondered aloud what compensation he got for these various hardships. He told me, “If you’re making sacrifices, unless you’re automatically following some rule, it stands to reason that you’re trying to lessen some psychic discomfort. So, for example, if I took steps to be a doctor for those who don’t have medical care, it could be regarded as a sacrifice, but it could also be regarded as a way to deal with ambivalence.” He went on, and his voice changed a little. He didn’t bristle, but his tone had an edge: “I feel ambivalent about selling my services in a world where some can’t buy them. You can feel ambivalent about that, because you should feel ambivalent. Comma.” This was for me one of the first of many encounters with Farmer’s

the genes of modern-day Africans are a treasure house for all humanity. They possess our species’ greatest reservoir of genetic diversity, of which further study will shed new light on the heredity of the human body and mind. Perhaps the time has come, in light of this and other advances in human genetics, to adopt a new ethic of racial and hereditary variation, one that places value on the whole of diversity rather than on the differences composing the diversity. It would give proper measure to our species’ genetic variation as an asset, prized for the adaptability it provides all of us during an increasingly uncertain future. Humanity is strengthened by a broad portfolio of genes that can generate new talents, additional resistance to diseases, and perhaps even new ways of seeing reality. For scientific as well as for moral reasons, we should learn to promote human biological diversity for its own sake instead of using it to justify prejudice and conflict.

any technical advance that was conceivable to the mind would one day be made a reality by scientists.

Great work, like a healthy financial portfolio, takes time to mature.

I hate babies with trendy names like Tiffany and Britney and Heather and Noah and Blake and Justin. I’m sick of Olivia and Chloe and Eva and Madison. I hope Aiden and Jayden and Braden and Graden all suffer minor head injuries while reading Dr. Seuss. Enough already with the cutesy-poo baby names. What happened to John and Dave and Sue? Babies with trendy names grow up to be adults with ridiculous names. “This is our CEO, Micah.” “You know what, Micah? I want my money back. I’m closing my portfolio. I’m going with Michael. He’s a grown-up.” One day all of these trendy-named children will grow up and become parents and then grandparents, and it’s all wrong. Grandma Tori? Zayda Jared? Nana Savannah?

Then Mr. McKee turned and continued on out the door. Taking my hat from the chandelier I followed. ‘Come to lunch some day,’ he suggested, as we groaned down in the elevator. ‘Where?’ ‘Anywhere.’ ‘Keep your hands off the lever,’ snapped the elevator boy. ‘I beg your pardon,’ said Mr. McKee with dignity, ‘I didn’t know I was touching it.’ ‘All right,’ I agreed, ‘I’ll be glad to.’ … I was standing beside his bed and he was sitting up between the sheets, clad in his underwear, with a great portfolio in his hands.

It gets me thinking about the history of this land, of this whole world, even. How someone got it in their head that ripping down thousand-year-old trees was a-okay. How people who grow gardens are crunchy; how people who grow their stock portfolios are sophisticated. How Tenn’s mom’s land, with its birdsong and dappled light and ancient mushrooms, will be destroyed in just a few days because a few rich people want more money and there’s nothing any of us can do about it.

Joy mingled with sadness, even with grief, is the deepest human joy. It winds itself about the soul with indescribable sweetness, with a dim but unerring sense for what will some day be born of it.

Our Good for You portfolio was growing elsewhere, too. I got a call one day from Ofra Strauss, the CEO of Strauss-Elite Food, our snacks partner in Israel. She asked to see me in Purchase and showed up with a huge hamper of Mediterranean dips—hummus, baba ghanoush, you name it. She laid them all out with fresh pita bread on my conference table, and we enjoyed a picnic of products from Sabra, a New York–based company that Strauss had recently purchased. It was a delicious lineup—totally vegetarian—and a great potential mate to Stacy’s Pita Chips, which we’d acquired a couple of years earlier. Less than a year later, Sabra and Frito-Lay signed a joint venture, and Sabra now leads the US hummus market. More important for me, Ofra is one of my dearest friends.

There are moments when the filament of time bends, loops, blurs. The present becomes permeable; the past leaps forward and insists itself upon us without warning. The orderly progression of our days reveals itself to be a lie, and the sense making brain flounders. What was he supposed to call this impossibility that insisted itself before him as reality? A hallucination? Deja vu, that cheap cinematic trick of the mind?

The combination of loss aversion and narrow framing is a costly curse. Individual investors can avoid that curse, achieving the emotional benefits of broad framing while also saving time and agony, by reducing the frequency with which they check how well their investments are doing. Closely following daily fluctuations is a losing proposition, because the pain of the frequent small losses exceeds the pleasure of the equally frequent small gains. Once a quarter is enough, and may be more than enough for individual investors. In addition to improving the emotional quality of life, the deliberate avoidance of exposure to short-term outcomes improves the quality of both decisions and outcomes. The typical short-term reaction to bad news is increased loss aversion. Investors who get aggregated feedback receive such news much less often and are likely to be less risk averse and to end up richer. You are also less prone to useless churning of your portfolio if you don’t know how every stock in it is doing every day (or every week or even every month). A commitment not to change one’s position for several periods (the equivalent of “locking in” an investment) improves financial performance.

First, we should concentrate each day on the happiness portfolio: faith, family, community, and earned success through work. Teach it to those around you, and fight against the barriers to these things. Second, resist the worldly formula of misery, which is to use people and love things. Instead, remember your core values and live by the true formula: Love people and use things. Third, celebrate the free enterprise system, which creates abundance for the most people—especially the poor. But always remember that the love of money is the root of all evil, and that the ideal life requires abundance without attachment.

The Smiths were unable to conceive children and decided to use a surrogate father to start their family. On the day the surrogate father was to arrive, Mr. Smith kissed his wife and said, "I'm off. The man should be here soon" Half an hour later, just by chance a door-to-door baby photographer rang the doorbell, hoping to make a sale. "Good morning, madam. I've come to...." "Oh, no need to explain. I've been expecting you," Mrs. Smith cut in. "Really?" the photographer asked. "Well, good. I've made a specialty of babies" "That's what my husband and I had hoped. Please come in and have a seat" After a moment, she asked, blushing, "Well, where do we start?" "Leave everything to me. I usually try two in the bathtub, one on the couch and perhaps a couple on the bed. Sometimes the living room floor is fun too; you can really spread out!" "Bathtub, living room floor? No wonder it didn't work for Harry and me" "Well, madam, none of us can guarantee a good one every time. But, if we try several different positions and I shoot from six or seven different angles, I'm sure you'll be pleased with the results" "My, that's a lot of....." gasped Mrs. Smith. "Madam, in my line of work, a man must take his time. I'd love to be in and out in five minutes, but you'd be disappointed with that, I'm sure"  "Don't I know it," Mrs. Smith said quietly. The photographer opened his briefcase and pulled out a portfolio of his baby pictures. "This was done on the top of a bus in downtown London" "Oh my God!" Mrs. Smith exclaimed, tugging at her handkerchief. "And these twins turned out exceptionally well, when you consider their mother was so difficult to work with" "She was difficult?" asked Mrs. Smith. "Yes, I'm afraid so. I finally had to take her to Hyde Park to get the job done right. People were crowding around four and five deep, pushing to get a good look" "Four and five deep?" asked Mrs. Smith, eyes widened in amazement. "Yes," the photographer said, "And for more than three hours too. The mother was constantly squealing and yelling. I could hardly concentrate. Then darkness approached and I began to rush my shots. Finally, when the squirrels began nibbling on my equipment, I just packed it all in." Mrs. Smith leaned forward. "You mean squirrels actually chewed on your, um......equipment?" "That's right. Well, madam, if you're ready, I'll set up my tripod so we  can get to work." "Tripod?????" "Oh yes, I have to use a tripod to rest my Canon on. It's much too big for me to hold for very long. Madam? Madam? ....... Good Lord, she's fainted!!

What would a final exam look like in a course organized around a complex problem that must be considered in the light of several disciplines? Students would be asked to write an extended take-home essay about "what it means to be an American."-- and they would know from the first day of class that this was the final exam question. The second part of the final exam would require students to present and defend their papers in a public exhibition where parents would observe and ask questions. The Students’ oral and written work would be assessed on their ability to display a range of evidence to make their points. They would have to meet a performance standard to get a Merit Badge in American Studies.” -- this is the essence of the digital portfolio. (page 139)

On the face of it, most people do not think of Jesus as a depressive realist. Yet the Biblical Jesus was clearly anything but a facilely happy consumerist, bureautype or bovine citizen. Rather, he espoused an ascetic lifestyle, nomadic, without possessions, possibly without sex, without career anxieties (‘consider the lilies’) and at best paying lip service to civic authorities and traditional religious institutions. Along with Diogenes, many anarchists, and latter day hip-pies, Jesus has been regarded as a model of the be-here-now philosophy, and hardly a champion of a work ethic and investment portfolio agenda. Jesus and others did not expect to find fulfilment in this world (meaning this civilisation) but looked forward to another world, or another kind of existence. Since that fantasised world has never materialised, we can only wonder about the likeness between early Christian communities and theoretical DR communities. There are certainly some overlaps but one distinctive dissimilarity: the DR has no illusory better world to look forward to, whereas the Christian had (and many Christians still have) illusions of rapture and heaven to look forward to. The key problematic here, however, for Jesus, the early Christians, anarchists, beats, hippies and DRs hoping for a DR-friendly society, is that intentional communities require some sense of overcoming adversity, having purpose, a means of functioning and maintaining morale in the medium to long-term. It is always one thing to gain identity from opposing society at large, and quite another to sustain ongoing commitment.

(BDO) October 22: The Dollar Squeeze A debt is a short cash position—i.e., a commitment to deliver cash that one doesn’t have. Because the dollar is the world’s reserve currency, and because of the dollar surplus recycling that has taken place over the past few years…lots of dollar denominated debt has been built up around the world. So, as dollar liquidity has become tight, there has been a dollar squeeze. This squeeze…is hitting dollar-indebted emerging markets (particularly those of commodity exporters) and is supporting the dollar. When this short squeeze ends, which will happen when either the debtors default or get the liquidity to prevent their default, the US dollar will decline. Until then, we expect to remain long the USD against the euro and emerging market currencies. The actual price of anything is always equal to the amount of spending on the item being exchanged divided by the quantity of the item being sold (i.e., P = $/Q), so a) knowing who is spending and who is selling what quantity (and ideally why) is the ideal way to get at the price at any time, and b) prices don’t always react to changes in fundamentals as they happen in the ways characterized by those who seek to explain price movements in connection with unfolding news. During this period, volatility remained extremely high for reasons that had nothing to do with fundamentals and everything to do with who was getting in and out of positions for various reasons—like being squeezed, no longer being squeezed, rebalancing portfolios, etc. For example, on Tuesday, October 28, the S&P gained more than 10 percent and the next day it fell by 1.1 percent when the Fed cut interest rates by another 50 basis points. Closing the month, the S&P was down 17 percent—the largest single-month drop since October 1987.

By now, though, it had been a steep learning curve, he was fairly well versed on the basics of how clearing worked: When a customer bought shares in a stock on Robinhood — say, GameStop — at a specific price, the order was first sent to Robinhood's in-house clearing brokerage, who in turn bundled the trade to a market maker for execution. The trade was then brought to a clearinghouse, who oversaw the trade all the way to the settlement. During this time period, the trade itself needed to be 'insured' against anything that might go wrong, such as some sort of systemic collapse or a default by either party — although in reality, in regulated markets, this seemed extremely unlikely. While the customer's money was temporarily put aside, essentially in an untouchable safe, for the two days it took for the clearing agency to verify that both parties were able to provide what they had agreed upon — the brokerage house, Robinhood — had to insure the deal with a deposit; money of its own, separate from the money that the customer had provided, that could be used to guarantee the value of the trade. In financial parlance, this 'collateral' was known as VAR — or value at risk. For a single trade of a simple asset, it would have been relatively easy to know how much the brokerage would need to deposit to insure the situation; the risk of something going wrong would be small, and the total value would be simple to calculate. If GME was trading at $400 a share and a customer wanted ten shares, there was $4000 at risk, plus or minus some nominal amount due to minute vagaries in market fluctuations during the two-day period before settlement. In such a simple situation, Robinhood might be asked to put up $4000 and change — in addition to the $4000 of the customer's buy order, which remained locked in the safe. The deposit requirement calculation grew more complicated as layers were added onto the trading situation. A single trade had low inherent risk; multiplied to millions of trades, the risk profile began to change. The more volatile the stock — in price and/or volume — the riskier a buy or sell became. Of course, the NSCC did not make these calculations by hand; they used sophisticated algorithms to digest the numerous inputs coming in from the trade — type of equity, volume, current volatility, where it fit into a brokerage's portfolio as a whole — and spit out a 'recommendation' of what sort of deposit would protect the trade. And this process was entirely automated; the brokerage house would continually run its trading activity through the federal clearing system and would receive its updated deposit requirements as often as every fifteen minutes while the market was open. Premarket during a trading week, that number would come in at 5:11 a.m. East Coast time, usually right as Jim, in Orlando, was finishing his morning coffee. Robinhood would then have until 10:00 a.m. to satisfy the deposit requirement for the upcoming day of trading — or risk being in default, which could lead to an immediate shutdown of all operations. Usually, the deposit requirement was tied closely to the actual dollars being 'spent' on the trades; a near equal number of buys and sells in a brokerage house's trading profile lowered its overall risk, and though volatility was common, especially in the past half-decade, even a two-day settlement period came with an acceptable level of confidence that nobody would fail to deliver on their trades.

When I spoke to you here the last time, my old party comrades, I did so fully conscious of victory as hardly a mortal has been able to do before me. In spite of this, a concern weighed heavily on me. It was clear to me that, ultimately, behind this war was that incendiary who has always lived off the quarrels of nations: the international Jew. I would no longer have been a National Socialist had I ever distanced myself from this realization. We followed his traces over many years. In this Reich, probably for the first time, we scientifically resolved this problem for all time, according to plan, and really understood the words of a great Jew who said that the racial question was the key to world history. Therefore, we knew quite well-above all, I knew-that the driving force behind these occurrences was the Jew. And that, as always in history, there were blockheads ready to stand up for him: partly spineless, paid characters, partly people who want to make deals and, at no time, flinch from having blood spilled for these deals. I have come to know these Jews as the incendiaries of the world. After all, in the previous years, you saw how they slowly poisoned the people via the press, radio, film, and theater. You saw how this poisoning continued. You saw how their finances, their money transactions, had to work in this sense. And, in the first days of the war, certain Englishmen-all of them shareholders in the armament industry-said it openly: “The war must last three years at least. It will not and must not end before three years.”-That is what they said. That was only natural, since their capital was tied up and they could not hope to secure an amortization in less than three years. Certainly, my party comrades, for us National Socialists, this almost defies comprehension. But that is how things are in the democratic world. You can be prime minister or minister of war and, at the same time, own portfolios of countless shares in the armament industry. Interests are explained that way. We once came to know this danger as the driving force in our domestic struggle. We had this black-red-golden coalition in front of us; this mixture of hypocrisy and abuse of religion on the one hand, and financial interests on the other; and, finally, their truly Jewish-Marxist goals. We completely finished off this coalition at home in a hard struggle. Now, we stand facing this enemy abroad. He inspired this international coalition against the German Volk and the German Reich. First, he used Poland as a dummy, and later pressed France, Belgium, Holland, and Norway to serve him. From the start, England was a driving force here. Understandably, the power which would one day confront us is most clearly ruled by this Jewish spirit: the Soviet Union. It happens to be the greatest servant of Jewry. Time meanwhile has proved what we National Socialists maintained for many years: it is truly a state in which the whole national intelligentsia has been slaughtered, and where only spiritless, forcibly proletarianized subhumans remain. Above them, there is the gigantic organization of the Jewish commissars, that is, established slaveowners. Frequently people wondered whether, in the long run, nationalist tendencies would not be victorious there. But they completely forgot that the bearers of a conscious nationalist view no longer existed. That, in the end, the man who temporarily became the ruler of this state, is nothing other than an instrument in the hands of this almighty Jewry. If Stalin is on stage and steps in front of the curtain, then Kaganovich and all those Jews stand behind him, Jews who, in ten-thousandfold ramifications, control this mighty empire. Speech in the Löwenbräukeller Munich, November 8, 1941

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Normally men don't really listen all that well. You can mention that you like apricots, or The Cure, or kittens, and it just goes out of their heads the minute it's out of your mouth. I personally seize on these clues about people. For example, I know that Sasha loves the smell of violets, and that Rose enjoys novels of a bodice-ripping nature and walks for exercise and has a Siamese cat called Dr. Oodles, but if I'd asked Dan what his best friend had studied at college- where they were roommates- he would have no idea. Anyway, Edward was apparently different, because he'd sent me a gorgeous bouquet of roses that filled the room with an intense, sweetly lemony, rosy smell that was mind-blowing. The roses themselves were a rich cream and stuffed with petals that made them look like roses in paintings. Sasha was looking at me. "Well, you must have done something pretty amazing last night. I've been sketching these since I got in. They're the most gorgeous Madame Hardys I've seen in a long time." I could see she had also been getting her shit together; there were open cartons on her desk, and she'd brought her portfolio to the office. "Aren't they roses?" I was bending down, sniffing deeply. I looked for a card. Sasha laughed. "The name of the rose is Madame Hardy. It's a damask rose, and one of the most famous old roses available these days. Someone knows their flowers.

Focus on building your portfolio at your present job and find allies who may vouch for you, and the hope of possibly escaping may make each day with that narcissistic boss a little more bearable.

Don’t break the chain of workouts and you’ll get fit faster than you’d expect. Don’t break the chain of creating every day and you will end up with an impressive portfolio

With the first banks opened on Monday, the afternoon brought another request from Roosevelt. Stating that he needed the tax revenue, he asked Congress that beer with alcohol content of up to 3.2 percent be made legal; the Eighteenth Amendment did not specify the percentage that constituted an intoxicating beverage. Congress complied. The House passed the bill the very next day with a vote count of 316–97, pushing it to the Senate. Wednesday brought good cheer: The stock market opened for the first time in Roosevelt’s presidency. In a single-day record, the Dow Jones Industrial Average gained over 15 percent—a gain in total market value of $3 billion. By Thursday, for increased fiscal prudence, the Senate had added an exemption for wine to go with beer, but negotiated the alcohol content down to 3.05 percent. Throughout the week, banks were receiving net deposits rather than facing panicked withdrawals. Over the following weeks, the administration developed a sweeping farm package designed to “increase purchasing power of our farmers” and “relieve the pressure of farm mortgages.” To guarantee the safety of bank deposits, the Federal Deposit Insurance Corporation was created. To regulate the entire American stock and bond markets, the Exchange Act of 1933 required companies to report their financial condition accurately to the buying public, establishing the Securities and Exchange Commission. Safety nets such as Social Security for retirement and home loan guarantees for individuals would be added to the government’s portfolio of responsibilities within a couple of years. It was the largest peacetime escalation of government in American history.

46. The future is portfolios, not transcripts. (Page 117) 29. Homework helps school systems, not students. (Page 71) 16. Embrace all technologies. (Page 39) 11. Use microcosms as much as possible in learning programs. (Page 29) 24. Teaching is leadership. Most teaching is bad leadership. (Page 59) 39. Five subjects a day? Really? (Page 99) 15. If you care about learning, start with food.(Page 37) For parents of children in traditional schools: 12. Internships, apprenticeships, and interesting jobs beat term papers, textbooks, and tests. (Page 31) 13. Include meaningful work. (Page 33) 25. Expose more, teach less. (Page 61) 43. Minimize “the drop-off.” (Page 109) 44. Increase exposure to non–authority figure adults. (Page 111) 14. Create and use periods of reflection. (Page 35) 30. Every day, adults are role models of learning (whether or not they want to be). (Page 73)

Every few minutes, he would glance at his phone and then return to our conversation. I had known him for more than a decade but had never witnessed this odd behavior before. After a few minutes, I became mildly irritated and asked him the reason for his distraction. He apologized and sheepishly remarked that two of his portfolio companies had gone public in the past two weeks. After that, he said he felt compelled to check their stock prices every few minutes. He admitted that he couldn’t help himself. My friend is an intelligent guy. He knows that the business of his listed portfolio companies is not changing by the minute. A few weeks earlier, when the companies were unlisted, he hardly ever thought about them. But now that they each had a stock exchange ticker that gyrated a few percentage points every day, he had gotten caught up in the action.

As Christians, our great daily opportunity is to walk out into another day and be different—to be what we are: citizens of heaven, people who are not from round here. We should find people saying, “Hey, I can tell by the way you walk and talk that there is something different about you.” This means that when you think about your life, you need to ask yourself some questions: What is the object of my devotion, the thing that makes me tick and drives my existence? Is it my appearance? Is it my portfolio? Is it passion and pleasure? What am I living for?

VCs and entrepreneurs are considered by many to be thinkers these days, their commercial utterances treated like ideas, and these ideas are often in the future tense: claims about the next world, forged by adding up the theses of their portfolio companies or extrapolating from their own start-up’s mission statement. That people listened to their ideas gave them a chance to launder their self-interested hopes into more selfless-sounding predictions about the world. For example, a baron wishing to withhold benefits from workers might reframe that desire as a prediction about a future in which every human being is a solo entrepreneur. A

Your portfolio, leveraged or not, must be constructed in such a way that not only will it survive the bad days but thrive in a market meltdown.

A scientist friend had once remarked audaciously, with a few fingers of whisky in him, that any technical advance that was conceivable to the mind would one day be made a reality by scientists.

YouTube also contains a treasure trove of lectures by nearly all of finance’s leading lights, strewn throughout its vast wasteland of misinformation. Tread carefully. A few wrong clicks and you’ll wind up with a QAnon conspiracist or a crypto bro. Of the names I’ve mentioned in this book, I’d search for John Bogle, Eugene Fama, Kenneth French, Jonathan Clements, Zvi Bodie, William Sharpe, Burton Malkiel, Charles Ellis, and Jason Zweig. Worthwhile finance podcasts abound. Start with the Economist’s weekly “Money Talks” and NPR’s Planet Money, although most of the latter’s superb coverage revolves around economics and relatively little around investing. Rick Ferri’s Boglehead podcast interviews cover mainly passive investing. Another financial podcast I highly recommend is Barry Ritholtz’s Masters in Business from Bloomberg. Podcasts are a rapidly evolving area. Lest you wear your ears out, you’ll need discretion to curate the burgeoning amount of high-quality audio. Research mutual funds. All the fund companies discussed in this book have sophisticated websites from which basic fund facts, such as fees and expenses, can be obtained, as well as annual and semiannual reports that list and tabulate holdings. If you’re researching a large number of funds, this gets cumbersome. The best way is to visit Morningstar.com. Use the site’s search function to locate the main page for the fund you’re interested in and click the “Expense” and “Portfolio” tabs to find the fund expense ratio and detailed data on the fund holdings. Click the “Performance” tab to see the fund’s return over periods ranging from a single day up to 15 years, and the “Chart” tab to compare the returns of multiple funds over a given interval. ***

Carve out and then ritualize thirty minutes early each Sunday morning to create your “Blueprint for a Beautiful Week.” Start the process by writing a story in your journal about the highlights from the seven days you just lived. Then record your lessons learned and optimizations for making the coming week even better. Next, on a large piece of paper that has each day running from 5 AM to 11 PM on it, note down all your commitments. The key here is to list more than your business meetings and work projects. Set clear periods for your Victory Hour, your 90/90/1 sessions, your 60/10 cycles and your 2nd Wind Workouts, as well as time for your loved ones, blocks for your portfolio of passions and segments for your errands. Doing this weekly will build extraordinary focus into your days, yield marvelous momentum, enhance your productivity significantly and improve your life’s balance noticeably.

Want to be a Freelancer? Do You want to be a Freelancer? If so, first of all - You need to be well-versed in the subject you want to freelance on. If you can be good at a few things, you will get more work as a freelancer. Most of the clients on this platform are foreigners. So to communicate with them you have to master the English language very well. How to Start Freelancing? To start working as a freelancer you need to work step by step from the very beginning. Find a specific task or skill that you want to excel at. Must practice speaking or communication in English. Create your own freelancing account. You have to decide how much money you will take in exchange for the work. Choose the Topic that Suits You - There are many types of jobs that can be done on the freelancing marketplace. Both fairly easy and difficult jobs are available on this platform. Easy jobs include data entry, article writing, and jobs for which a large number of bids are received due to which these jobs have to be rushed and competition is high. Difficult jobs include high-quality expensive jobs like web development, web design, graphics design, and software development. Which have higher remuneration. Now you have to decide what kind of work you will do in freelancing. Everything You Need to Train - The first thing you need to train is patience. Without patience, you can never survive on this platform. There are quite a number of freelancing service providers in our country who provide coaching through various courses. You can complete your training through coaching if you want. You will need a good laptop or computer with an internet connection for regular practice. A minimum of basic computer knowledge is essential for learning the job, along with the ability to speak English. You have to focus hard on the subject you want to master and develop a mindset to stick with it. Incorporate what you have learned and done into your portfolio, gain an understanding of the marketplaces, be disciplined, and work on time. Work to Gain Experience - Your path to freelancing may not be smooth. But it should not stop there. Just as in life, there are various problems, pains, and dangers, so it is in the case of freelancing. At first, you may not get job offers or get results as expected. So don't be impatient, you have to strengthen yourself mentally. Because you are in the first step of gaining your experience. Don't just think of yourself as a freelancer, think of yourself as a student who needs experience, not money. So if you make a mistake at work, try to learn from it. You can Reduce the Unemployment rate by Teaching others to Work - Apart from earning income by teaching others to work, you can reduce the unemployment rate by contributing to the economic development of the country. Day by day the country's job market is deteriorating due to which the number of unemployed is increasing every year. Many youths have lost their whole lives, lost precious time of their lives in the pursuit of government jobs. If you are thinking of making your career permanently as a freelancer then you can train those youngsters and form a team of yours. By doing this you can help create employment for millions of youth and increase your income. Please Visit Our Blogging Website to read more Articles related to Freelancing and Outsourcing, Thank You.

Meet one of the leading creative directors Roger Hooks, Jr. He is a renowned “S&P 500 Creative Executive”, who has successfully established his name in the creative industry. He possesses a boasted portfolio in package design of Pacific-Rim makers of entertainment PC peripherals and add-on cards with category best sellers up in down the aisles of Fry's Electronics, Micro Center, Ritz Camera, Best Buy, and Good Guys in their brick-and Mortar Hey-Day. Also, he is a Platinum Award winner in copywriting, a Gold Award winner in advertising campaigns, and a Gold Award winner in special events. So, if you are searching for a professional creative strategist, you must contact Roger Hooks, Jr. Feel free to reach out.

Most’s eclectic background also provided the spark behind the invention of what would become known as the ETF. During his travels around the Pacific, he had appreciated the efficiency of how traders would buy and sell warehouse receipts of commodities, rather than the more cumbersome physical vats of coconut oil, barrels of crude, or ingots of gold. This opened up a panoply of opportunities for creative financial engineers. “You store a commodity and you get a warehouse receipt and you can finance on that warehouse receipt. You can sell it, do a lot of things with it. Because you don’t want to be moving the merchandise back and forth all the time, so you keep it in place and you simply transfer the warehouse receipt,” he later recalled.19 Most’s ingenious idea was to, after a fashion, mimic this basic structure. The Amex could create a kind of legal warehouse where it could place the S&P 500 stocks, and then create and list shares in the warehouse itself for people to trade. The new warehouse-cum-fund would take advantage of the growth and electronic evolution in portfolio trading—the simultaneous buying and selling of big baskets of stocks first pioneered by Wells Fargo two decades earlier—and a little-known aspect of mutual funds: They can do “in kind” transactions, exchanging shares in a fund for a proportional amount of the stocks it contains, rather than cash. Or an investor can gather the correct proportion of the underlying stocks and exchange them for shares in the fund. Stock exchange “specialists”—the trading firms on the floor of the exchange that match buyers and sellers—would be authorized to be able to create or redeem these shares according to demand. They could take advantage of any differences that might open up between the price of the “warehouse” and the stock it contained, an arbitrage opportunity that should help keep it trading in line with its assets. This elegant creation/redemption process would also get around the logistical challenges of money coming in and out continuously throughout the day—one of Bogle’s main practical concerns. In basic terms, investors can either trade shares of the warehouse between themselves, or go to the warehouse and exchange their shares in it for a slice of the stocks it holds. Or they can turn up at the warehouse with a suitable bundle of stocks and exchange them for shares in the warehouse. Moreover, because no money changes hands when shares in the warehouse are created or redeemed, capital gains tax can be delayed until the investor actually sells their shares—a side effect that has proven vital to the growth of ETFs in the United States. Only when an ETF is actually sold will investors have to pay any capital gains taxes due.

Tell yourself every day that the object of investing is not to maximize the odds of getting rich, but to minimize the odds of dying poor,

chief executive of Google, reckoned in 2010 that about five exabytes of data, or the equivalent of 250,000 years of DVD-quality video, was created in the world every two days. By some estimates, in 2013 we will create that much data every 10 minutes.

Entrepreneurs who kept their day jobs were balancing their risk portfolios. The safety of the day job gave them time to develop original ideas at their own pace and weather mistakes and failures along the way. The

When we become an autonomous organization, we will be one of the largest unadulterated digital security organizations on the planet,” he told the annual Intel Security Focus meeting in Las Vegas. “Not only will we be one of the greatest, however, we will not rest until we achieve our goal of being the best,” said Young. This is the main focus since Intel reported on agreements to deactivate its security business as a free organization in association with the venture company TPG, five years after the acquisition of McAfee. Young focused on his vision of the new company, his roadmap to achieve that, the need for rapid innovation and the importance of collaboration between industries. “One of the things I love about this conference is that we all come together to find ways to win, to work together,” he said. First, Young highlighted the publication of the book The Second Economy: the race for trust, treasure and time in the war of cybersecurity. The main objective of the book is to help the information security officers (CISO) to communicate the battles that everyone faces in front of others in the c-suite. “So we can recruit them into our fight, we need to recruit others on our journey if we want to be successful,” he said. Challenging assumptions The book is also aimed at encouraging information security professionals to challenge their own assumptions. “I plan to send two copies of this book to the winner of the US presidential election, because cybersecurity is going to be one of the most important issues they could face,” said Young. “The book is about giving more people a vision of the dynamism of what we face in cybersecurity, which is why we have to continually challenge our assumptions,” he said. “That’s why we challenge our assumptions in the book, as well as our assumptions about what we do every day.” Young said Intel Security had asked thousands of customers to challenge the company’s assumptions in the last 18 months so that it could improve. “This week, we are going to bring many of those comments to life in delivering a lot of innovation throughout our portfolio,” he said. Then, Young used a video to underscore the message that the McAfee brand is based on the belief that there is power to work together, and that no person, product or organization can provide total security. By allowing protection, detection and correction to work together, the company believes it can react to cyber threats more quickly. By linking products from different suppliers to work together, the company believes that network security improves. By bringing together companies to share intelligence on threats, you can find better ways to protect each other. The company said that cyber crime is the biggest challenge of the digital era, and this can only be overcome by working together. Revealed a new slogan: “Together is power”. The video also revealed the logo of the new independent company, which Young called a symbol of its new beginning and a visual representation of what is essential to the company’s strategy. “The shield means defense, and the two intertwined components are a symbol of the union that we are in the industry,” he said. “The color red is a callback to our legacy in the industry.” Three main reasons for independence According to Young, there are three main reasons behind the decision to become an independent company. First of all, it should focus entirely on enterprise-level cybersecurity, solve customers ‘cybersecurity problems and address clients’ cybersecurity challenges. The second is innovation. “Because we are committed and dedicated to cybersecurity only at the company level, our innovation is focused on that,” said Young. Third is growth. “Our industry is moving faster than any other IT sub-segment, we have t

Personally, he had never really understood the appeal of the fashion industry. Young, star-struck people flocked to the houses in Milan and Paris like lemmings to a cliff edge, bringing with them their portfolios and dreams. Now more than ever, it would seem. He was besieged. But then again we live in a narcissistic age, he thought to himself, which in turn was probably what made it so hard for young people today to love each other or devote themselves to anything. It required a soul – or a personality at least – to lose yourself in something bigger. These days everyone was conceived in fertility clinics, designed to certain specifications and their unimaginative provenance gave them the mistaken belief that they were somehow unique, interesting or especially precious.

5x5x5 Rapid Innovation Method, a very concrete way of putting Shiv’s notion into practice. “The idea is fairly simple and straightforward,” he says. “A company looking to drive breakthroughs in a particular area sets up five teams of five people and gives each team five days to come up with a portfolio of five ‘business experiments’ that should take no longer than five weeks to run and cost no more than five thousand dollars each to conduct.

The Second Amendment, written by the Anglo James Madison, a slave owner, says, “A well-regulated Militia, being necessary to the security of a free state, the right of the people to keep and bear Arms, shall not be infringed.” As long as the poor people in this country kill each other, which is what so many of them are doing day after day, the federal government, obviously, is content to regard them, as Columbus might have done, as a well-regulated militia.

Consider the following investing strategy: On the day before a Fed policy announcement, buy the stocks in the S&P 500 index. Sell them a week later, and buy them again the following week. Stick with that pattern until the Fed next meets. Sound ridiculous? A portfolio run this way since early 1994, when the Fed's policy-setting committee began publicly announcing interest rate decisions, would have returned about 650%. That is significantly better than the S&P 500's total return over the entire period of about 505%. The pattern of stocks performing

Handy then encourages what he calls “portfolio people” to organize their time not based on hours in a week, but rather days in a year. For example, if you need to make $50,000 per year and can figure out a way to make $250 a day, then you only need to work 200 days a year.

This generation - it's almost a religious thing now. The millennium, the end days, no need to be responsible anymore to the future. A burden has been lifted from them. The Baby Jesus is managing the portfolio of earthly affairs, and nobody begrudges Him the carried interest...

The situational diagnosis conversation. In this conversation, you seek to understand how your new boss sees the STARS portfolio you have inherited. Are there elements of start-up, turnaround, accelerated growth, realignment, and sustaining success? How did the organization reach this point? What factors—both soft and hard—make this situation a challenge? What resources within the organization can you draw on? Your view may differ from your boss’s, but it is essential to grasp how she sees the situation. The expectations conversation. Your goal in this conversation is to understand and negotiate expectations. What does your new boss need you to do in the short term and in the medium term? What will constitute success? Critically, how will your performance be measured? When? You might conclude that your boss’s expectations are unrealistic and that you need to work to reset them. Also, as part of your broader campaign to secure early wins, discussed in the next chapter, keep in mind that it’s better to underpromise and overdeliver. The resource conversation. This conversation is essentially a negotiation for critical resources. What do you need to be successful? What do you need your boss to do? The resources need not be limited to funding or personnel. In a realignment, for example, you may need help from your boss to persuade the organization to confront the need for change. Key here is to focus your boss on the benefits and costs of what you can accomplish with different amounts of resources. The style conversation. This conversation is about how you and your new boss can best interact on an ongoing basis. What forms of communication does he prefer, and for what? Face-to-face? Voice, electronic? How often? What kinds of decisions does he want to be consulted on, and when can you make the call on your own? How do your styles differ, and what are the implications for the ways you should interact? The personal development conversation. Once you’re a few months into your new role, you can begin to discuss how you’re doing and what your developmental priorities should be. Where are you doing well? In what areas do you need to improve or do things differently? Are there projects or special assignments you could undertake (without sacrificing focus)? In practice, your

We talk about it all the time, and that fixes it in our memories.” One of their neighbors remarked, “These things are important—they keep you awake at night.

irregularity of their income compounds the problem by ratcheting up the need to hold reserves, or to borrow when the income fails to arrive. For these reasons, we would argue that poor people need financial services more than any other group.

In the end it’s the tax-deferred 1031 exchange that gets massive use by Millionaire Real Estate Investors. This program in the IRS tax code allows you to sell and buy properties without having to declare capital gains or pay those taxes. It’s a very straightforward procedure, but it takes some planning. First, you need to hire a 1031 Qualified Intermediary before you close on the sale of one of your properties. That person will act as your guide and escrow agent as you move through the sale of one property and the purchase of the next. After the sale of your “relinquished property” you have 45 days to identify the “replacement property” and a total of 180 days to close on that second property. You want to be looking for the replacement property before or during the marketing of the property you are selling. If you find a good opportunity, you can enter into a contract with a right to assign clause if your first property does not sell or with a 1031 clause in the purchase agreement if it does. Many people have the mistaken notion that you are exchanging your property with someone else: You take theirs, and they take yours. In some cases that can be done, but it is neither the purpose nor the requirement of a 1031 exchange. A 1031 exchange is designed for you to “exchange” one property in your portfolio (sell it) and replace it with another one that you wish to buy. It allows you to keep purchasing larger, more expensive properties without having to pay capital gains taxes on the ones you sell. This is a wonderful way to keep your money working for you.

In these uncertain days, bond funds are an especially important option for investors. Unlike stock funds, they have high predictability in at least these five ways: (1) The current yields (on longer-term issues) are an excellent—if imperfect—predictor of future returns. (2) The range of gross returns earned by bond managers clusters in an inevitably narrow range that is established by the current level of interest rates in each sector of the market. (3) The choices are wide. As the maturity date lengthens, volatility of principal increases, but volatility of income declines. (4) Whether taxable or municipal, bond fund returns are highly correlated with one another. Municipal bond funds are fine choices for investors in high tax brackets, and inflation-protected bond funds are a sound option for those who believe that much higher living costs will result from the huge federal government deficits of this era. (5) The greatest constant of all is that—given equivalent portfolio quality and maturity—lower costs mean higher returns. (Don’t forget that index bond funds—or their equivalent—carry the lowest costs of all.)

The situational diagnosis conversation. In this conversation, you seek to understand how your new boss sees the STARS portfolio you have inherited. Are there elements of start-up, turnaround, accelerated growth, realignment, and sustaining success?

when we quit things, we usually follow the idiom out of sight, out of mind. We don’t naturally track things that we’re no longer in. This is likely what is causing the problem with the portfolio managers. When they enter into a position, they’re tracking that every day, because it’s part of the portfolio. But once they exit, they’re not tracking it in the same way, because the position is now off their books. It’s no longer part of their P&L statement, not as far as they can see in any obvious way.

The fact is almost anyone can achieve positive absolute returns in a trending up market. Watch TV and listen to market pundits, buy the hot stocks of the day, and ignore valuation. Growth and momentum have been the lessons learned by new portfolio managers in the 2010s. Only when the tide goes out, do you discover who has been swimming naked. —Warren Buffett When the tide goes out, good investors create outperformance. Global central banks have made sure the tide has not gone out for a decade. US equity market drawdowns of more than 10% have occurred only four times in the last decade and each drawdown has lasted less than 60 days.

Music is for everyone. It’s not—or at least shouldn’t be—an elitist, aristocratic club that you need a membership card to appreciate: it’s a language, it’s a means of connecting us that is beyond color, beyond race, beyond the shape of your face or the size of your stock portfolio. Musicians of color, however, are severely underrepresented in the classical music world—and that’s one of the reasons I wanted to write this book. Look up the statistics: 1.8 percent of musicians performing in classical symphonies are Black; 12 percent are people of color. But for me, day to day, performance by performance, it wasn’t about being a statistic: it was about trying to live my life and play the music that I loved, and often being

A scientist friend had once remarked audaciously, with a few fingers of whisky in him, that any technical advance that was conceivable to the mind would one day be made a reality by scientists. It was conceivable that man could travel to other planets; that would come to pass. It was conceivable that a machine could be made more intelligent than men; that would come to pass. It was conceivable to David that he might return to Jeanette. He closed his eyes. It was inconceivable that he could never see her again…

regime with their catalogs of monthly debt payments and subscription fees, all to support what was now the only true political order of our time, a corporate regime that offered no representation, no vote, no participation in either the velocity of its appetites or the bearing of its destructive course. If you weren’t part of the System, you were just grist for its gullet; your life and the lives of those like you were mixed and milled into portfolios of fixed monthly payments—for everything from cars and college tuition to streaming services and same-day delivery—payments that accrued only to the benefit of the ever-increasing mountains of money that were our real masters. People felt all this without knowing it, Riaz would say, and the effectiveness with which the truth was

MATCH STRATEGY TO SITUATION—CHECKLIST What portfolio of STARS situations have you inherited? Which portions of your responsibilities are in start-up, turnaround, accelerated-growth, realignment, and sustaining-success modes? What are the implications for the challenges and opportunities you are likely to confront, and for the way you should approach accelerating your transition? What are the implications for your learning agenda? Do you need to understand only the technical side of the business, or is it critical that you understand culture and politics as well? What is the prevailing climate in your organization? What psychological transformations do you need to make, and how will you bring them about? How can you best lead change given the situations you face? Which of your skills and strengths are likely to be most valuable in your new situation, and which have the potential to get you into trouble? What are the implications for the team you need to build?

The situational diagnosis conversation. In this conversation, you seek to understand how your new boss sees the STARS portfolio you have inherited. Are there elements of start-up, turnaround, accelerated growth, realignment, and sustaining success? How did the organization reach this point? What factors—both soft and hard—make this situation a challenge? What resources within the organization can you draw on?

Hunting Designers So you have your wireframes sorted out, you know you want a well-designed app, but where do you find a great designer? Designers are elusive creatures who can be hard to recruit at the best of times. The great ones are always booked months in advance; most don’t want a permanent job (they’re happy doing contract work – going from new project to newer project); and, when you do find someone, you usually find that a combination of very strong design opinions and outrageous day rates will make it hard to get the designs you need. A great approach is to trawl two websites in particular – dribbble.com and behance.net. I’ve experienced great success with Dribbble (yes, three Bs in its name and in its URL). In fact, that’s where we found Hailo’s head of design. The great thing about these portfolio sites is that you can see a designer’s style, often with a lot of their historic work. Also, Dribbble has added the ability to search for designers who are actively looking for full- and part-time work (and, despite its being a paid-for feature, I thoroughly recommend using it). Once again, I would also suggest checking out AngelList: it attracts the most entrepreneurial cross-section of people, across all areas, whether in design or engineering.

Test-drive employees Interviews are only worth so much. Some people sound like pros but don’t work like pros. You need to evaluate the work they can do now, not the work they say they did in the past. The best way to do that is to actually see them work. Hire them for a miniproject, even if it’s for just twenty or forty hours. You’ll see how they make decisions. You’ll see if you get along. You’ll see what kind of questions they ask. You’ll get to judge them by their actions instead of just their words. You can even make up a fake project. In a factory in South Carolina, BMW built a simulated assembly line where job candidates get ninety minutes to perform a variety of work-related tasks.* Cessna, the airplane manufacturer, has a role-playing exercise for prospective managers that simulates the day of an executive. Candidates work through memos, deal with (phony) irate customers, and handle other problems. Cessna has hired more than a hundred people using this simulation.† These companies have realized that when you get into a real work environment, the truth comes out. It’s one thing to look at a portfolio, read a resumé, or conduct an interview. It’s another to actually work with someone.

The hot tub girl was the one before the one with the legs, and after the one with the boobs," Dan snorted, weaving slightly on his feet. "And I think he had a couple of models in between from the modeling agency start-up that he was considering adding to his portfolio." "I told you we should have invested in that one," Marco said, making no effort to keep his voice down. "He was swimming in tits and ass." He looked over at Daisy. "Pardon my French." Daisy gave him a cold smile. "Quel salaud!" Liam didn't speak French, but from the look on Daisy's face he suspected what she'd said wasn't polite. "So who is she really?" Dan gave him a nudge, keeping his voice low. "I mean, come on, man. You and her?" "I'm his parole officer." Daisy grabbed Liam's arm and tugged him in the opposite direction. "He's on an escorted day pass. Move aside because I have to have him back in his cell by eleven P.M." Dan's eyes widened. "No shit? What did he do?" "He swam in the wrong hot tub." Daisy fixed Dan with a glare. "Next time, check their ID.

Investment wisdom, however, begins with the realization that long-term returns are the only ones that matter. Investors who can earn an 8 percent annualized return will multiply their wealth tenfold over the course of 30 years, and if they have half a brain, they will care little that many days, or even years, along the way their portfolios will suffer significant losses. If they are, in fact, anguished by the bad days and years, they can at least comfort themselves that the rewards of equity ownership are paid for in the universal currencies of financial risk: stomach acid and sleepless nights.

Balance your risk portfolio. When you’re going to take a risk in one domain, offset it by being unusually cautious in another realm of your life. Like the entrepreneurs who kept their day jobs while testing their ideas, or Carmen Medina taking a job to protect against security leaks when she was pushing the CIA to embrace the internet, this can help you avoid unnecessary gambles. 7. Highlight the reasons not to support your idea. Remember Rufus Griscom, the entrepreneur in chapter 3 who told investors why they shouldn’t invest in his company? You can do this, too. Start by describing the three biggest weaknesses

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