Purchased New Car Quotes

THERE HAVE ALWAYS BEEN ITINERANTS, drifters, hobos, restless souls. But now, in the second millennium, a new kind of wandering tribe is emerging. People who never imagined being nomads are hitting the road. They’re giving up traditional houses and apartments to live in what some call “wheel estate”—vans, secondhand RVs, school buses, pickup campers, travel trailers, and plain old sedans. They are driving away from the impossible choices that face what used to be the middle class. Decisions like: Would you rather have food or dental work? Pay your mortgage or your electric bill? Make a car payment or buy medicine? Cover rent or student loans? Purchase warm clothes or gas for your commute? For many the answer seemed radical at first. You can’t give yourself a raise, but what about cutting your biggest expense? Trading a stick-and-brick domicile for life on wheels?

We have discussed the new-car purchase in its various forms for the last several pages. No, you can’t afford a new car unless you are a millionaire and can, therefore, afford to lose thousands of dollars, all in the name of the neat new-car smell. A good used car that is less than three years old is as reliable or more reliable than a new car. A new $28,000 car will lose about $17,000 of value in the first four years you own it. That is almost $100 per week in lost value. To understand what I’m talking about, open your window on your way to work once a week and throw out a $100 bill.

For folks who have that casual-dude energy coursing through their bloodstream, that's great. But gays should not grow up alienated just for us to alienate each other. It's too predictable, like any other cycle of abuse. Plus, the conformist, competitive notion that by "toning down" we are "growing up" ultimately blunts the radical edge of what it is to be queer; it truncates our colorful journey of identity. Said another way, it's like living in West Hollywood and working a gay job by day and working it in the gay nightlife, wearing delicate shiny shirts picked from up the gay dry cleaners, yet coquettishly left unbuttoned to reveal the pec implants purchased from a gay surgeon and shown off by prancing around the gay-owned-and-operated theater hopped up on gay health clinic steroids and wheat grass purchased from the friendly gay boy who's new to the city, and impressed by the monstrous SUV purchased from a gay car dealership with its rainbow-striped bumper sticker that says "Celebrate Diversity." Then logging on to the local Gay.com listings and describing yourself as "straight-acting." Let me make myself clear. This is not a campaign for everyone to be like me. That'd be a total yawn. Instead, this narrative is about praise for the prancy boys. Granted, there's undecided gender-fucks, dagger dykes, faux-mos, po-mos, FTMs, fisting-top daddies, and lezzie looners who also need props for broadening the sexual spectrum, but they're telling their own stories. The Cliff's Notes of me and mine are this: the only moments I feel alive are when I'm just being myself - not some stiff-necked temp masquerading as normal in the workplace, not some insecure gay boy aspiring to be an overpumped circuit queen, not some comic book version of swank WeHo living. If that's considered a political act in the homogenized world of twenty-first century homosexuals, then so be it. — excerpt of "Praise For The Prancy Boys," by Clint Catalyst appears in first edition (ISBN # 1-932360-56-5)

Hodges could remember buying his first new car and letting the guy’s post-sales tutorial wash over him—uh-huh, yep, right, gotcha—just anxious to get his new purchase out on the road, to dig the rattle-free ride and inhale that incomparable new-car smell, which to the buyer is the aroma of money well spent.

What are the true reasons why the purchaser is planning to spend his money on a new car instead of a piano? Because he has decided that he wants the commodity called locomotion more than he wants the commodity called music? Not altogether. He buys a car, because it is at the moment the group custom to buy cars. The modern propagandist therefore sets to work to create circumstances which will modify that custom . . . He will endeavor to develop public acceptance of the idea of a music room in the home. This he may do, for example, by organizing an exhibition of period music rooms designed by well-known decorators who themselves exert an influence on the buying groups . . . Then, in order to create dramatic interest in the exhibit, he stages an event or ceremony. To this ceremony key people, persons known to influence the buying habits of the public, such as a famous violinist, a popular artist, and a society leader, are invited. These key persons affect other groups, lifting the idea of the music room to a place in the public consciousness which it did not have before. The juxtaposition of these leaders, and the idea which they are dramatizing, are then projected to the wider public through various publicity channels . . . The music room will be accepted because it has been made the thing. And the man or woman who has a music room, or has arranged a corner of the parlor as a musical corner, will naturally think of buying a piano. It will come to him as his own idea.

Or consider the fact that after people buy a new car, they often love to read advertisements that speak enthusiastically about the same car that they have just obtained. Those advertisements tend to be comforting because they confirm the wisdom of the decision to purchase that particular car. If you are a member of a particular political party or have strong convictions, you might want support, reinforcement, and ammunition, not criticism.

After the opposition had failed to negotiate us into a compromise, it turned to subtler means for blocking the protest; namely, to conquer by dividing. False rumors were spread concerning the leaders of the movement. Negro workers were told by their white employers that their leaders were only concerned with making money out of the movement. Others were told that the Negro leaders rode big cars while they walked. During this period the rumor was spread that I had purchased a brand new Cadillac for myself and a Buick station wagon for my wife. Of course none of this was true.

Some people save money for a downpayment on a house, or a new car, or for retirement. That’s great, of course. But saving does not require a goal of purchasing something specific. You can save just for saving’s sake. And indeed you should. Only saving for a specific goal makes sense in a predictable world. But ours isn’t. Saving is a hedge against life’s inevitable ability to surprise the hell out of you at the worst possible moment. Savings without a spending goal gives you options and flexibility, the ability to wait and the opportunity to pounce. It gives you time to think. It lets you change course on your own terms. Every bit of savings is like taking a point in the future that would have been owned by someone else and giving it back to yourself.

a person who is free to make a $20,000 purchase of a car as a customer, might not be free to buy an office chair for $500 as an employee. Little wonder that big companies grow more slowly than small ones (firms whose chief executives attend the annual World Economic Forum schmooze-fest in Davos tend to underperform the stock market), and big public bodies have worse reputations than small ones.

What are the true reasons why the purchaser is planning to spend his money on a new car instead of a piano? Because he has decided that he wants the commodity called locomotion more than he wants the commodity called music? Not altogether. He buys a car, because it is at the moment the group custom to buy cars. The modern propagandist therefore sets to work to create circumstances which will modify that custom. He appeals perhaps to the home instinct which is fundamental. He will endeavor to develop public acceptance of the idea of a music room in the home. This he may do, for example, by organizing an exhibition . . . key people, persons known to influence the buying habits of the public, such as a famous violinist, a popular artist, and a society leader, are invited. These key persons affect other groups, lifting the idea of the music room to a place in the public consciousness which it did not have before. The juxtaposition of these leaders, and the idea which they are dramatizing, are then projected to the wider public through various publicity channels . . . The music room will be accepted because it has been made the thing. And the man or woman who has a music room, or has arranged a corner of the parlor as a musical corner, will naturally think of buying a piano. It will come to him as his own idea.

If the hunger for paradise is wired into your heart (and it is), either you will realize that this present life has been designed as a preparation for the paradise to come, or you will do your best and work your hardest to turn the present moment into the paradise it will never be. You and I live in a broken world that right now will not be the paradise we seek. You and I are flawed people, living with flawed people, and collectively we have no ability whatsoever to deliver paradise to one another. Every place you go and every created thing you handle has been damaged by the fall. This simply is not and won’t be the paradise you seek. For all who have placed their trust in the Savior, paradise is a secure reality. The paradise for which your heart longs is coming, but you will not experience it right here, right now. No, God has chosen to keep you in this broken world in order to use its brokenness to prepare you for what is to come. The brokenness you live in the middle of, and the difficulties you face there, are not in the way of God’s good plan for you; they are an important ingredient in it. Right now, God is not so much working to change your surroundings but to change you so that you are ready for the new surroundings he has planned and purchased for you in his grace. Simply said, either you are waiting by faith for the paradise to come, or you are working with your hands to build paradise in the here and now. Looking for paradise in the here and now is another ingredient of the money madness inside many of us and has overtaken the culture around us. We frenetically spend on material things, physical experiences, and new locations in the search of a piece of paradise. Our hearts long for the freedom from external difficulty and internal emptiness that we so often feel. We instinctively know that there must be more, that this can’t be it. Deep within us we feel like we’re missing something. So in our eternity amnesia we don’t lift up our eyes to look afar and consider the glories that are coming. No, we open our wallets and look around at what may have the potential to give us the paradise we are seeking. And because nothing can deliver it, we spend from thing to thing to thing, hoping that the next thing will deliver. But we don’t end up with paradise. We end up with houses that are bigger and more luxurious than we need, cars that are more identity markers than means of transportation, a pile of possessions, many of which lie unused, amassed debt, and wallets that are empty. But the paradise that we’ve spent to get has eluded us. Sure, budgets are helpful, but only if they are a piece of handling our money with eternity in view. When it comes to money, the PMP that lives inside us and that has captured our culture just cannot work. It will cause you to spend too much, it will tempt you to spend unwisely, and for all of your investment, it will leave you empty in the end.

Decouplers often trip up on this step in two ways. First, they are overly generic in articulating the CVC. When mapping the process of buying a car, auto executives tend to describe it as: feel the need to buy car > become aware of a car brand > develop an interest in the brand > visit the dealer > purchase the car. This is a start, but it is not specific enough. Decouplers must ask: When do people actually need a new car? How exactly do people become aware of car brands? How do people become interested in a make or model? And so on. The generic process of awareness, interest, desire, and purchase isn’t specific enough to help. Decouplers also flounder by failing to identify all the relevant stages in the value chain. For the car-buying process, a better description of the CVC might be: become aware that your car lease will expire in one month > feel the need to purchase a new car > develop a heightened interest in car ads > visit car manufacturers’ websites > create a set of two or three brands of interest > visit third-party auto websites > compare options of cars in the same category > choose a model > shop online for the best price > visit the nearest dealer to see if they have the model in stock > see if they can beat the best online price > test-drive the cars > decide about financing, warranty, and other add-ons > negotiate a final price > sign the contract > pick up the car > use it > wait for the lease to expire again. With this far more detailed CVC, we can fully appreciate the complexity of the car-buying

I was sitting down hanging with the fellas them just for the girls, because really and truly this was bugging me. How could these fellas have the finest girls in the community, and they don’t work, they don’t have any money. Anytime something has to be purchased they would say, ‘Man, Scrooge, throw the blow; buy this and buy that.’ So we were sitting on a car one day. They were out to a disco the night before and this fella got chopped or stabbed. I didn’t know anything about it until the fellas came around looking for KC the next day. These fellas just yuck out their guns and started busting shots, and everybody just break off running for their lives. Afterwards I mumbled to myself that these are some crazy fellas. They just came shooting for no reason. The funny thing about it is this: guns were not even that common on the streets then. We’re talking around 1987, 1988. I believe the fella who fired those shots at us, goes by the nickname Dog and he lives in the US now. I said to Ada, ‘What kind of thing this is? I mean, these fellas came and just started shooting.’ That sent a whole new way of thinking in my mind. Prior to that, I was just a person going to work, coming home, and chilling. I just happened to be sitting there one day. They didn’t know me and they didn’t care who I was. I never used to even be with KC and them. I just happened to be there that day. If I had known that those fellas were crazy like that, to come shooting at whoever they saw, I wouldn’t have been there hanging with KC and them. After that, my whole mindset changed. It was either shoot or be shot. Scrooge, former leader of the Rebellion Raiders street gang that once boasted of having some ten thousand members.

Variations on a tired, old theme Here’s another example of addict manipulation that plagues parents. The phone rings. It’s the addict. He says he has a job. You’re thrilled. But you’re also apprehensive. Because you know he hasn’t simply called to tell you good news. That kind of thing just doesn’t happen. Then comes the zinger you knew would be coming. The request. He says everybody at this company wears business suits and ties, none of which he has. He says if you can’t wire him $1800 right away, he won’t be able to take the job. The implications are clear. Suddenly, you’ve become the deciding factor as to whether or not the addict will be able to take the job. Have a future. Have a life. You’ve got that old, familiar sick feeling in the pit of your stomach. This is not the child you gladly would have financed in any way possible to get him started in life. This is the child who has been strung out on drugs for years and has shown absolutely no interest in such things as having a conventional job. He has also, if you remember correctly, come to you quite a few times with variations on this same tired, old story. One variation called for a car so he could get to work. (Why is it that addicts are always being offered jobs in the middle of nowhere that can’t be reached by public transportation?) Another variation called for the money to purchase a round-trip airline ticket to interview for a job three thousand miles away. Being presented with what amounts to a no-choice request, the question is: Are you going to contribute in what you know is probably another scam, or are you going to say sorry and hang up? To step out of the role of banker/victim/rescuer, you have to quit the job of banker/victim/rescuer. You have to change the coda. You have to forget all the stipulations there are to being a parent. You have to harden your heart and tell yourself parenthood no longer applies to you—not while your child is addicted. Not an easy thing to do. P.S. You know in your heart there is no job starting on Monday. But even if there is, it’s hardly your responsibility if the addict goes well dressed, badly dressed, or undressed. Facing the unfaceable: The situation may never change In summary, you had a child and that child became an addict. Your love for the child didn’t vanish. But you’ve had to wean yourself away from the person your child has become through his or her drugs and/ or alcohol abuse. Your journey with the addicted child has led you through various stages of pain, grief, and despair and into new phases of strength, acceptance, and healing. There’s a good chance that you might not be as healthy-minded as you are today had it not been for the tribulations with the addict. But you’ll never know. The one thing you do know is that you wouldn’t volunteer to go through it again, even with all the awareness you’ve gained. You would never have sacrificed your child just so that you could become a better, stronger person. But this is the way it has turned out. You’re doing okay with it, almost twenty-four hours a day. It’s just the odd few minutes that are hard to get through, like the ones in the middle of the night when you awaken to find that the grief hasn’t really gone away—it’s just under smart, new management. Or when you’re walking along a street or in a mall and you see someone who reminds you of your addicted child, but isn’t a substance abuser, and you feel that void in your heart. You ache for what might have been with your child, the happy life, the fulfilled career. And you ache for the events that never took place—the high school graduation, the engagement party, the wedding, the grandkids. These are the celebrations of life that you’ll probably never get to enjoy. Although you never know. DON’T LET    YOUR KIDS  KILL  YOU  A Guide for Parents of Drug and Alcohol Addicted Children PART 2

In 2018, there were 867 cars for every thousand people in the United States, 520 in the European Union. Compare that to the 339 in Russia, the 208 in Brazil, the 160 in China—and just 37 in India. In other words, the world’s auto population will grow substantially as incomes rise and the number of people increases from today’s 7.8 billion to 9.5 or 10 billion. In “Rivalry,” IHS Markit’s planning scenario, the world’s auto fleet grows from its current level of just over 1.4 billion to over 2 billion by 2050. Of that 2 billion, about 610 million are electric vehicles—almost a third of the total. The fleet simply does not turn over quickly. Annual new-car sales represent only about 6–7 percent of the total fleet. Most of the fleet is composed of vehicles that have been purchased over the preceding dozen years—in the United States, cars on average remain on the road for 11.8 years. But EVs catch up. By 2050, in this scenario, some 51 percent of total new car sales are EVs.

An automobile ties up capital with the purchase and entails significant additional annual costs in terms of fuel, parking, insurance, and repairs. Young people with college debts or “gig” jobs may not want the added burden of ownership. Compare the economics. Let’s say the average number of miles driven in a year in the United States is twelve thousand. Owning a car for that year would cost around $7,000, including the proportionate cost of car ownership, fuel, and other operating expenses. Given the average ride-hailing trip, $7,000 would equate to around six hundred separate trips per year, or twelve per week—almost two per day. Of course, on the other side of the ledger, there’s no residual value from Uber or Lyft rides, as there is when selling a used car. And no pride of ownership.

The new mobility would create major dislocations. A shift from “mobility as a product” to “mobility as a service” would result in a significant drop in new car purchases by individuals. What would grow instead would be fleet purchases. Since the cars would be used not 5 percent of the time, but 70 or 80 percent of the time, the numbers of fleet sales would not compensate for the lost personal sales. The traditional automotive supply chains, involving thousands of companies around the world, could be disrupted not by trade wars but by innovation and technology, including robotics and 3D manufacturing.

As a result, the American Dream became extremely useful in pitches for consumer products that encourage potential purchasers to feel better about their purchases, such as a new home or a second car. In fact, ProQuest News & Newspapers shows that more than half the use of the phrase American Dream has occurred in advertisements rather than articles.

When Martin analyzed the data—every transaction using a Canadian Tire credit card from the prior year—he discovered that what customers purchased was a remarkably precise predictor of their subsequent payment behavior when used in conjunction with traditional tools like income and credit history. A New York Times Magazine article entitled “What Does Your Credit Card Company Know about You?” described some of Martin’s most intriguing findings: “People who bought cheap, generic automotive oil were much more likely to miss a credit-card payment than someone who got the expensive, name-brand stuff. People who bought carbon-monoxide monitors for their homes or those little felt pads that stop chair legs from scratching the floor almost never missed payments. Anyone who purchased a chrome-skull car accessory or a ‘Mega Thruster Exhaust System’ was pretty likely to miss paying his bill eventually.

These were the men who made deals with desperate industrialists to provide transportation for the goods stalled in their warehouses—or, failing to obtain the percentage demanded, made deals to purchase the goods, when the factory closed, at the bankruptcy sale, at ten cents on the dollar, and to speed the goods away in freight cars suddenly available, away to markets where dealers of the same kind were ready for the kill. There were the men who hovered over factories, waiting for the last breath of a furnace, to pounce upon the equipment—and over desolate sidings, to pounce upon the freight cars of undelivered goods—these were a new biological species, the hit-and-run businessmen, who did not stay in any line of business longer than the span of one deal, who had no payrolls to meet, no overhead to carry, no real estate to own, no equipment to build, whose only asset and sole investment consisted of an item known as “friendship.” These were the men whom official speeches described as “the progressive businessmen of our dynamic age,” but whom people called “the pull peddlers”—the species included many breeds, those of “transportation pull,” and of “steel pull” and “oil pull” and “wage-raise pull” and “suspended sentence pull”—men who were dynamic, who kept darting all over the country while no one else could move, men who were active and mindless, active, not like animals, but like that which breeds, feeds and moves upon the stillness of a corpse.

now: he had a kind wife who had a very good government job and he had a house with new furniture, purchased on his wife’s salary, and a car that went with his wife’s job. All of that was far more important than being noticed by women, and yet, and yet…

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There are many important decisions where you may be tempted to select the first possible solution. In all of these, some effort spent creating alternatives that provide a nudge for your decision will likely be a wise investment. Examples include purchasing a car or a condominium, finding a new primary physician or a specialist, choosing a firm that will manage some aspects of your small company (e.g., taxes, payroll), or selecting an individual as the main contractor to build or remodel your house.

A priest, a minister, and a rabbi, all friends, decide together to purchase new cars. The priest and the minister baptize their new cars, while the rabbi takes a hacksaw to his and cuts three inches off the tailpipe.

Software,” as the venture capitalist Marc Andreessen has proclaimed, “is eating the world.” It’s true. You use software nearly every instant you’re awake. There’s the obvious stuff, like your phone, your laptop, email and social networking and video games and Netflix, the way you order taxis and food. But there’s also less-obvious software lurking all around you. Nearly any paper book or pamphlet you touch was designed using software; code inside your car helps manage the braking system; “machine-learning” algorithms at your bank scrutinize your purchasing activity to help spy the moment when a criminal dupes your card and starts fraudulently buying things using your money. And this may sound weirdly obvious, but every single one of those pieces of software was written by a programmer—someone precisely like Ruchi Sanghvi or Mark Zuckerberg. Odds are high the person who originally thought of the product was a coder: Programmers spend their days trying to get computers to do new things, so they’re often very good at understanding the crazy what-ifs that computers make possible. (What if you had a computer take every word you typed and, quietly and constantly and automatically in the background, checked it against a dictionary of common English words? Hello, spell-check!) Sometimes it seems that the software we use just sort of sprang into existence, like grass growing on the lawn. But it didn’t. It was created by someone who wrote out—in code—a long, painstaking set of instructions telling the computer precisely what to do, step-by-step, to get a job done. There’s a sort of priestly class mystery cultivated around the word algorithm, but all they consist of are instructions: Do this, then do this, then do this. News Feed is now an extraordinarily complicated algorithm involving some trained machine learning; but it’s ultimately still just a list of rules. So the rule makers have power. Indeed, these days, the founders of high-tech companies—the ones who determine what products get created, what problems get solved, and what constitutes a “problem” in the first place—are increasingly technologists, the folks who cut their teeth writing endless lines of code and who cobbled together the prototype for their new firm themselves. Programmers are thus among the most quietly influential people on the planet.

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(Guaranteeing Tomorrow) I watch in sorrow most people occupied with collecting more money getting more promotions building bigger houses purchasing more real estate and other possessions new cars more products to consume… I see people obsessed with owning anything and everything they could lay their hands on to guarantee tomorrow to ensure luxurious lives… Yet few realize that tomorrow may never come, and if it does come, it shall be sad, scary, and desolate… Few realize that it may not rain tomorrow that the land may completely dry up that everyone’s preoccupation with possessing more, is the very thing that shall cause humanity’s demise, after draining all possible forms of life… Few are aware that the panic, the fear, and the obsession with guaranteeing tomorrow, are exactly what have made tomorrow impossible to guarantee… What a painful paradox… [Original poem published in Arabic on February 7, 2024 at ahewar.org]

To offer a simple example, if I am looking to buy a new car, there are several different facets or levels of my life that can influence my decision. At the self level, I might think about which car most appeals to me based on my individual preferences, likes, dislikes, needs and what I can afford. If I expand beyond my personal perspective to the relational level, I will consider which car would be best for my family, including my son’s needs. Additionally, the cultural level informs what kind of car I would consider purchasing based on how I do or do not want to be perceived by others. The range of cars I have access to in the US falls under the societal level, and considerations such as electric versus gas come under the global or collective level. In discussion of the nested model of attachment and trauma, I will refer to the different facets, dimensions or perspectives of our lives that coalesce into the whole of our experience, even if we’re unaware of them. The current literature on attachment predominantly focuses on the self and relationship levels.

The GNP lumps together goods and bads. (If there are more car accidents and medical bills and repair bills, the GNP goes up.) It counts only marketed goods and services. (If all parents hired people to bring up their children, the GNP would go up.) It does not reflect distributional equity. (An expensive second home for a rich family makes the GNP go up more than an inexpensive basic home for a poor family.) It measures effort rather than achievement, gross production and consumption rather than efficiency. New light bulbs that give the same light with one-eighth the electricity and that last ten times as long make the GNP go down. GNP is a measure of throughput—flows of stuff made and purchased in a year—rather than capital stocks, the houses and cars and computers and stereos that are the source of real wealth and real pleasure.

The North method took only a few hours. Contrast this with Dr. South’s automobile-purchasing crusade—a process that took him at least sixty hours. And, of course, Dr. North likes to keep his cars for a long time. So his allocation of purchasing time is spread over several years. On average, he devotes less than an hour a year to purchasing motor vehicles. But Dr. South likes to buy a new car every year. Thus, his sixty-hour project is typically allocated to only one year. FEARS

I don’t own a house, or a car, or even these clothes on my back. I haven’t purchased something for myself in over a decade. It took me a while to get the hang of it, I’ll admit that. Some nights I had no friends who’d let me sleep over or feed me. Or let me have one of their hoodies or coats on a cold night. So I’d give in and get a hotel room, order room service and buy some new clothes. But each time I failed, Senator, I’d spend the next week or two feeling guilty. And I’d try harder the next round. I’ve made it my mission in life not to spend a single dime of money on myself. My money wasn’t meant to better me, sir. It was meant to help others. So that’s what I do with it. I give it away.

After arriving in America, John and Adeline continued on their tour of American Universities, leaving their daughter Ursula in the New York City area, after her marriage to the present-day, award-winning author, Captain Hank Bracker. At the beginning of their tour of the United States, John and Adeline purchased a vintage “Ford Woodie Station Wagon,” which they drove across the North American continent from the Atlantic to the Pacific Ocean. When they prepared for their return to South Africa, they had their “Woodie” loaded into the cargo hold of the SS African Moon and proudly took the car, south of the equator, with them. At that time “Classic American Cars” were quite prestigious in South Africa.

A few years ago, Dan and a research assistant went to a Toyota dealership and asked people what they would give up if they purchased a new car. None of the shoppers had spent any significant time considering that the thousands of dollars they were about to spend on a car could be spent on other things. ... Most people answered that if they bought a Toyota, then they would not be able to buy a Honda, or some other simple substitution. Few people answered that they wouldn't be able to go to Spain that summer or Hawaii the year after, or that they wouldn't go out to a nice restaurant twice a month for the next few years, or that they would be paying their college loans for five more years.

I think Alfred Edmond from Black Enterprise said it best. He suggests you ask yourself, “Am I using money to buy things or accomplish things?” Buying things refers to purchases like a new car or a plasma television. Accomplishing things means spending money on opportunities that move you forward—like homeownership or an education.

We suffer from the same rose-tinted myopia that Zedekiah did. On a societal level, we think the problem with our world is essentially political. If we were just able to kick the present set of bums out of office and elect people who agree with us, the world would instantly be a better place. So we pour our time and energy into political campaigns and boycotts and other efforts to bring about change through political means. On a personal level, we think the solution is to pour our time into gathering the information necessary for wise decision-making. We read the consumer reports before we purchase a new car. We do our homework before we invest money in a particular stock, to ensure, as far as possible, that we will get a good rate of return for our money. We plan our careers years in advance, trying to make sure that we are in the right place at the right time to reach the very top. We try to make wise provision for our retirement years so that we will not be in want.

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Our situation is much like that of a little girl who was taken by her mother to visit a chiropractor friend of mine. Her mother said, “I think something is wrong with my daughter. She is a very quiet little girl and always well behaved, but never once have I heard her laugh. In fact, she rarely even smiles.” My friend examined her and discovered a spinal misalignment that, she judged, would give the girl a terrific headache all the time. Fortunately, it was one of those misalignments that a chiropractor can correct easily and permanently. She made the adjustment—and the girl broke into a big laugh, the first her mother had ever heard. The omnipresent pain in her head, which she had come to accept as normal, was miraculously gone. Many of you might doubt that we live in a “sea of pain.” I feel pretty good right now myself. But I also carry a memory of a far more profound state of well-being, connectedness, and intensity of awareness that felt, at the time, like my birthright. Which state is normal? Could it be that we are bravely making the best of things? How much of our dysfunctional, consumptive behavior is simply a futile attempt to run away from a pain that is in fact everywhere? Running from one purchase to another, one addictive fix to the next, a new car, a new cause, a new spiritual idea, a new self-help book, a bigger number in the bank account, the next news story, we gain each time a brief respite from feeling pain. The wound at its source never vanishes though. In the absence of distraction—those moments of what we call “boredom”—we can feel its discomfort. Of course, any behavior that alleviates pain without healing its source can become addictive. We should therefore hesitate to cast judgment on anyone exhibiting addictive behavior (a category that probably includes nearly all of us). What we see as greed or weakness might merely be fumbling attempts to meet a need, when the true object of that need is unavailable. In that case the usual prescriptions for more discipline, self-control, or responsibility are counterproductive.

Have you ever purchased a new automobile, and all of the sudden it looks like the world is filled with exactly the same car you bought? You buy a new can and it looks like everybody and their brother is driving around in the same vehicle.

Accelerating your mortgage payments is something to be considered only if you are in good financial shape. That means: • You have an eight-month emergency savings fund. • You do not have any credit card debt. • You own your car outright, and you are saving for when you will need to purchase another car.

I did a 2 hour drive in a rental car to buy my new car from a larger city where it was significantly cheaper. After a house, the car is generally the next biggest purchase. The drive can save you thousands!

When investigating car options for a new car purchase, I will rent the various models of cars for a day and drive each of them before making a decision.

Let’s look at how some successful brands we all know about have positioned the purchasing of their products as the resolution to external, internal, and philosophical problems: TESLA MOTOR CARS: Villain: Gas guzzling, inferior technology External: I need a car. Internal: I want to be an early adopter of new technology. Philosophical: My choice of car ought to help save the environment. NESPRESSO HOME COFFEE MACHINES: Villain: Coffee machines that make bad coffee External: I want better-tasting coffee at home. Internal: I want my home coffee machine to make me feel sophisticated. Philosophical: I shouldn’t have to be a barista to make a gourmet coffee at home. EDWARD JONES FINANCIAL PLANNING: Villain: Financial firms that don’t listen to their customers External: I need investment help. Internal: I’m confused about how to do this (especially with all the tech-driven resources out there). Philosophical: If I’m going to invest my money, I deserve an advisor who will thoughtfully explain things in person.

Starting in 2025, it will make no financial sense to purchase a new gasoline car in any market.. gasoline cars will be the 21st century equivalent of the horse carriages by 2030.

A few years ago, Dan and a research assistant went to a Toyota dealership and asked people what they would give up if they purchased a new car. Almost no one had an answer. None of the shoppers had spent any significant time considering that the thousands of dollars they were about to spend on a car could be spent on other things. So, Dan tried to push a little bit further with the next question, and asked what specific products and services they wouldn’t be able to get if they went ahead and bought that Toyota. Most people answered that if they bought a Toyota, they wouldn’t be able to buy a Honda, or some other simple substitution. Few people answered that they wouldn’t be able to go to Spain that summer and Hawaii the year after, or that they wouldn’t go out to a nice restaurant twice a month for the next few years, or that they would be paying their college loans for five more years.

consumer discretionary stocks include products that consumers might want, but don’t necessarily need (like a new car or house). They can defer those purchases until things start to get better. They can’t defer food purchases.

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Bizarre and Surprising Insights—Consumer Behavior Insight Organization Suggested Explanation7 Guys literally drool over sports cars. Male college student subjects produce measurably more saliva when presented with images of sports cars or money. Northwestern University Kellogg School of Management Consumer impulses are physiological cousins of hunger. If you buy diapers, you are more likely to also buy beer. A pharmacy chain found this across 90 days of evening shopping across dozens of outlets (urban myth to some, but based on reported results). Osco Drug Daddy needs a beer. Dolls and candy bars. Sixty percent of customers who buy a Barbie doll buy one of three types of candy bars. Walmart Kids come along for errands. Pop-Tarts before a hurricane. Prehurricane, Strawberry Pop-Tart sales increased about sevenfold. Walmart In preparation before an act of nature, people stock up on comfort or nonperishable foods. Staplers reveal hires. The purchase of a stapler often accompanies the purchase of paper, waste baskets, scissors, paper clips, folders, and so on. A large retailer Stapler purchases are often a part of a complete office kit for a new employee. Higher crime, more Uber rides. In San Francisco, the areas with the most prostitution, alcohol, theft, and burglary are most positively correlated with Uber trips. Uber “We hypothesized that crime should be a proxy for nonresidential population.…Uber riders are not causing more crime. Right, guys?” Mac users book more expensive hotels. Orbitz users on an Apple Mac spend up to 30 percent more than Windows users when booking a hotel reservation. Orbitz applies this insight, altering displayed options according to your operating system. Orbitz Macs are often more expensive than Windows computers, so Mac users may on average have greater financial resources. Your inclination to buy varies by time of day. For retail websites, the peak is 8:00 PM; for dating, late at night; for finance, around 1:00 PM; for travel, just after 10:00 AM. This is not the amount of website traffic, but the propensity to buy of those who are already on the website. Survey of websites The impetus to complete certain kinds of transactions is higher during certain times of day. Your e-mail address reveals your level of commitment. Customers who register for a free account with an Earthlink.com e-mail address are almost five times more likely to convert to a paid, premium-level membership than those with a Hotmail.com e-mail address. An online dating website Disclosing permanent or primary e-mail accounts reveals a longer-term intention. Banner ads affect you more than you think. Although you may feel you've learned to ignore them, people who see a merchant's banner ad are 61 percent more likely to subsequently perform a related search, and this drives a 249 percent increase in clicks on the merchant's paid textual ads in the search results. Yahoo! Advertising exerts a subconscious effect. Companies win by not prompting customers to think. Contacting actively engaged customers can backfire—direct mailing financial service customers who have already opened several accounts decreases the chances they will open more accounts (more details in Chapter 7).

I’d be hard-pressed to find a better start to a brand story than the one that chronicles the birth of “the people’s car,” the Tata Nano. The story goes that Ratan Tata, chairman of the well-respected Tata Group, was travelling along in the pouring rain behind a family who was precariously perched on a scooter weaving in and out of traffic on the slick wet roads of Bangalore. Tata thought that surely this was a problem he and his company could solve. He wanted to bring safe, affordable transport to the poor—to design, build, and sell a family car that could replace the scooter for a price that was less than $2,500. It was a business idea born from a high ideal and coming from a man with a track record in the industry, someone with the capability to innovate, design, and produce a high-quality product. People were captivated by the idea of what would be the world’s cheapest car. The media and the world watched to see how delivering on this seemingly impossible promise might pan out. Ratan Tata did deliver on his promise when he unveiled the Nano at the New Delhi Auto Expo in 2009, six years after having the idea. The hype around the new “people’s car” and the media attention it received meant that any mistakes were very public (several production challenges and safety problems were reported along the way). And while the general public seemed to be behind the idea of a new and fun Indian-led innovation, the number of Facebook likes (almost 4 million to date) didn’t convert to actual sales. It seemed that while Tata Motors was telling a story about affordability and innovating with frugal engineering (perhaps “lean engineering” might have worked better for them), the story prospective customers were hearing was one about a car that was cheap. The positioning of the car was at odds with the buying public’s perception of it. In a country where a car is an aspirational purchase, the Nano became symbolic of the car to buy if you couldn’t afford anything else. Since its launch in 2009, just over 200,000 Nanos have sold. The factory has the capacity to produce 21,000 cars a month. It turns out that the modest numbers of people buying the Nano are not the scooter drivers but middle-class Indians who are looking for a second car, or a car for their parents or children. The car that was billed as a “game changer” hasn’t lived up to the hype in the hearts of the people who were expected to line up and buy it in the tens of thousands. Despite winning design and innovation awards, the Nano’s reputation amongst consumers—and the story they have come to believe—has been the thing that’s held it back.

home only to pine over an ex-girlfriend, so he stopped. He apologized, saying a few more things that Catherine once again just nodded her head to, smiling, and before she knew it, she had plans to go see a movie with Dickie the following Friday. It was a date, the first of many. It went like this for two months: Friday night dates. Rides home from school while other girls looked on in jealousy. Long nights parked up at The Point, the low rumble of his car idling away while they made out with the heat blowing on her legs. Him sliding his hands up her skirt. Under her shirt. Her moaning. Her face flushing red. Her toes curling. The Rolling Stones on the radio. Why did he taste so good? Never sex, though. Even when he begged for it, she would refuse. She knew what their relationship really was. It was great and fun and wild and exciting, but she knew it wouldn’t last; he was off to college soon, and she remembered how he felt about being tethered to something familiar. That conversation never left her mind for the duration of their relationship, always reminding her to be ready to lose him. At the time, she was still a virgin, and as much as she loved Dickie she did not wish to give herself fully to someone who would more than likely forget about her within months, if not weeks, of leaving. Catherine was young, but never stupid or naive. She knew how the world worked… even Dickie’s world. What she felt and experienced with him may have been real by her definition, but she understood that that did not make the relationship everlasting or meant-to-be. Their time together had been great and fun and had changed her in ways she would never be able to put into words. She would forever cherish their moments together. Or at least, that’s what she’d thought at the time, before these cherished memories soured. Everything changed the night of the dance. The night he changed. The night she changed, too. It was Dickie’s senior prom. He invited her to go and she happily accepted. She even bought a new dress with the money she’d saved working shifts down at Woolworth’s. The dance was fine and good. They had a blast. They’d even kissed in the middle of the gymnasium during the last slow dance. It had been so romantic. But afterward was a different sort of time. Dickie and some of his friends rented a few rooms at the Heartsridge Motel for a place to hang out after the dance. But it was more than just a place to hang out. It was a place to party, a place to drink alcohol purchased illegally, a place for some of the looser girls to sleep with their dates. She had been to parties with Dickie before, parties with drinking and drugs and where there were rooms dedicated to fooling around. She wasn’t a square. But this was different. This place made her skin crawl. There was a raw energy in the air. She remembered feeling it on her skin. And the fact that it was a motel made the whole scene seem depraved. It just felt off, and she wanted to beg him to go somewhere else. But instead she held her tongue and went along with Dickie. He was leaving soon, after all. Why not appease him? He seemed excited about going. A few of them—all friends of Dickie’s—ended up together in one room, drinking Schnapps, smoking cigarettes, having

map out all the activities in that group’s typical customer value chain. Decouplers often trip up on this step in two ways. First, they are overly generic in articulating the CVC. When mapping the process of buying a car, auto executives tend to describe it as: feel the need to buy car > become aware of a car brand > develop an interest in the brand > visit the dealer > purchase the car. This is a start, but it is not specific enough. Decouplers must ask: When do people actually need a new car? How exactly do people become aware of car brands? How do people become interested in a make or model? And so on. The generic process of awareness, interest, desire, and purchase isn’t specific enough to help. Decouplers also flounder by failing to identify all the relevant stages in the value chain. For the car-buying process, a better description of the CVC might be: become aware that your car lease will expire in one month > feel the need to purchase a new car > develop a heightened interest in car ads > visit car manufacturers’ websites > create a set of two or three brands of interest > visit third-party auto websites > compare options of cars in the same category > choose a model > shop online for the best price > visit the nearest dealer to see if they have the model in stock > see if they can beat the best online price > test-drive the cars > decide about financing, warranty, and other add-ons > negotiate a final price > sign the contract > pick up the car > use it > wait for the lease to expire again. With this far more detailed CVC, we can fully appreciate the complexity of the car-buying

How to become the President of Liberia from “Liberia & Beyond” In 1973, Charles Taylor enrolled as a student at Bentley University, in Waltham, Massachusetts. A year later Taylor became chairman of the Union of Liberian Associations in America, which he founded on July 4, 1974. The mission of ULAA was meant to advance the just causes of Liberians and Liberia at home and abroad. In 1977 Taylor graduated from Bentley University with a Bachelor of Arts degree in economics. Returning to Liberia he supported the violent coup, led by Samuel Doe, and became the Director General of the General Services Agency most likely because of his supposed loyalty. His newly acquired elevated position put him in charge of all the purchases made for the Liberian government. Taylor couldn’t resist the urge of stealing from the till, and in May of 1983, he was found out and fired for embezzling nearly a million dollars in State funds. During this time he transferred his ill-gotten money to a private bank account in the United States. On May 21, 1984, seizing the opportunity, Taylor fled to America where he was soon apprehended and charged with embezzlement by United States Federal Marshals in Somerville, Massachusetts. Taylor was held in the Plymouth, County jail until September 15, 1985, when he escaped with two of his cohorts, by sawing through the steel bars covering a window in his cell. He precariously lowered himself down 20 feet of knotted sheets and then deftly escaped into the nearby woodlands. He most likely had accomplices, since his wife Jewel Taylor conveniently met him with a car, which they then drove to Staten Island in New York City.

But this Chinese commitment to grunt work is also what is laying the groundwork for Chinese leadership in the age of AI implementation. By immersing themselves in the messy details of food delivery, car repairs, shared bikes, and purchases at the corner store, these companies are turning China into the Saudi Arabia of data: a country that suddenly finds itself sitting atop stockpiles of the key resource that powers this technological era.

Forrester Research thinks we’re at the beginning of a new twenty-year business cycle it calls “The Age of the Customer.” Forrester sees a broad, systemic shift in capital models pivoting toward serving a newly empowered generation of customers who have the ability to price, critique, and purchase anytime, anywhere. Here’s how Forrester describes the new customer mindset: “The expectation that any desired information or service is available, on any appropriate device, in context, at your moment of need.” Customers have new expectations (and yes, those expectations have certainly been driven by millennials, but at this point, almost everyone shares them). They want the ride, not the car. The milk, not the cow. The new Kanye music, not the new Kanye record.

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