Staying Invested Quotes

When money realizes that it is in good hands, it wants to stay and multiply in those hands.

I am a grenade," I said again. "I just want to stay away from people and read books and think and be with you guys because there's nothing I can do about hurting you: You're too invested, so just please let me do that, okay? "I'm going to go to my room and read for awhile, okay? I'm fine. I really am fine: I just want to go read for a while.

One of the lessons that I grew up with was to always stay true to yourself and never let what somebody else says distract you from your goals. And so when I hear about negative and false attacks, I really don't invest any energy in them, because I know who I am.

The less you associate with some people, the more your life will improve. Any time you tolerate mediocrity in others, it increases your mediocrity. An important attribute in successful people is their impatience with negative thinking and negative acting people. As you grow, your associates will change. Some of your friends will not want you to go on. They will want you to stay where they are. Friends that don't help you climb will want you to crawl. Your friends will stretch your vision or choke your dream. Those that don't increase you will eventually decrease you. Consider this: Never receive counsel from unproductive people. Never discuss your problems with someone incapable of contributing to the solution, because those who never succeed themselves are always first to tell you how. Not everyone has a right to speak into your life. You are certain to get the worst of the bargain when you exchange ideas with the wrong person. Don't follow anyone who's not going anywhere. With some people you spend an evening: with others you invest it. Be careful where you stop to inquire for directions along the road of life. Wise is the person who fortifies his life with the right friendships. If you run with wolves, you will learn how to howl. But, if you associate with eagles, you will learn how to soar to great heights. "A mirror reflects a man's face, but what he is really like is shown by the kind of friends he chooses." The simple but true fact of life is that you become like those with whom you closely associate - for the good and the bad. Note: Be not mistaken. This is applicable to family as well as friends. Yes...do love, appreciate and be thankful for your family, for they will always be your family no matter what. Just know that they are human first and though they are family to you, they may be a friend to someone else and will fit somewhere in the criteria above. "In Prosperity Our Friends Know Us. In Adversity We Know Our friends." "Never make someone a priority when you are only an option for them." "If you are going to achieve excellence in big things,you develop the habit in little matters. Excellence is not an exception, it is a prevailing attitude.."..

Royce nodded. “Invest in crossbows. Next time stay hidden and just put a couple bolts into each of your target’s chests. All this talking is just stupid.” “Royce!” Hadrian admonished. “What? You’re always saying I should be nicer to people. I’m trying to be helpful.

Tough love and brutal truth from strangers are far more valuable than Band-Aids and half-truths from invested friends, who don’t want to see you suffer any more than you have.

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

Trading doesn't just reveal your character, it also builds it if you stay in the game long enough.

When our commitment is wavering, the best way to stay on track is to consider the progress we've already made. As we recognize what we've invested and attained, it seems like a waste to give up, and our confidence and commitment surge.

I am an investor. And as an investor, I have the pleasure of being involved in a variety of industries and innovations. But being an investor, I get to stay focused on the big picture instead of the little details.

The wise study the numbers and their ways. The wise count their movements and their stays.

what you learn from the intensity and the focus you had when under the influence of risk stays with you. You may lose the sharpness, but nobody can take away what you’ve learned. This is the principal reason I am now fighting the conventional educational system, made by dweebs for dweebs. Many kids would learn to love mathematics if they had some investment in it, and, more crucially, they would build an instinct to spot its misapplications.

My peculiarity is that I don't have a particular style of investing or, more exactly, I try to change my style to fit the conditions.

You will stay in therapy as long as you feel it is worth the time, effort and money you invest.

You stayed because you’d invested so much time in your relationship that it would be a waste to walk away.

Performance of management should be measured by potential to stay in business, to protect investment, to ensure future dividends and jobs through improvement of product and service for the future, not by the quarterly dividend.

I'm a grenade. I just want to stay away from people and read books and think and be with you guys because there's nothing I can do about hurting you; you're too invested, so just please let me do that, okay?

...what I'm getting at is like the distinction between tourist and a traveler. The tourist experience is superficial and glancing. The traveler develops a deeper connection with her surroundings. She is more invested in them -- the traveler stays longer, makes her own plans, chooses her own destination, and usually travels alone: solo travel and solo participation, although the most difficult emotionally, seem the most likely to produce a good story.

Don't ever make the mistake of believing that market success has to come to you fast. Trade small, stay in the game, persist, and eventually, you'll reach a satisfying level of proficiency.

Even in those earlier times, finding the really outstanding companies and staying with them through all the fluctuations of a gyrating market proved far more profitable to far more people than did the more colorful practice of trying to buy them cheap and sell them dear.

One married couple goes out to a restaurant twice a week for dinner. They spend $160 a month on eating out. They get fat. Another married couple invests $160 a month in their own network marketing business. They stay slim and healthy. In a few years they retire.

All husbands are unfaithful in one way or another.” Lillian and Daisy glanced at each other with raised brows. “Father isn’t,” Lillian replied smartly. Mercedes responded with a laugh that sounded like crackling leaves being crushed underfoot. “Isn’t he, dear? Perhaps he has stayed true to me physically—one can never be certain about these things. But his work has proved a more jealous and demanding mistress than a flesh-and-blood woman could ever be. All his dreams are invested in that collection of buildings and employees and legalities that absorb him to the exclusion of all else. If my competition had been a mortal woman, I could have borne it easily, knowing that passion fades and beauty lasts but an instant. But his company will never fade or sicken—it will outlast us all. If you have a year of your husband’s interest and affection, it will be more than I have ever had.

I agree that it seems vulgar, decadent, even epistemically violent, to invest energy in the trivialities of sex and friendship when human civilization is facing collapse. But at the same time, that is what I do every day. We can wait, if you like, to ascend to some higher plane of being, at which point we’ll start directing all our mental and material resources toward existential questions and thinking nothing of our own families, friends and lovers and so on. But we’ll be waiting, in my opinion, a long time. And, in fact, we’ll die first. After all, when people are lying on their deathbeds, don’t they always start talking about their spouses and children? And isn’t death just the apocalypse in the first person? So, in that sense, there is nothing bigger than what you so derisively call “breaking up and staying together,” because at the end of our lives, when there is nothing left in front of us, it’s still the only thing we want to talk about. Maybe we’re just born to love and worry about the people we know and to go on loving and worrying, even when there are more important things we should be doing. And if that means the human species is going to die out, isn’t it -- in a way -- a nice reason to die out? The nicest reason you can imagine? Because when we should have been reorganizing the distribution of the world’s resources and transitioning collectively to a sustainable economic model, we were worrying about sex and friendship instead. Because we loved each other too much, and found each other too interesting. And I love that about humanity. And in fact it’s the very reason I root for us to survive -- because we are so stupid about each other.

We do not overidentify with our jobs. We may take pride in our work, we may stay late and come in on weekends, but we recognize that we are not our job descriptions. The amateur, on the other hand, overidentifies with his avocation, his artistic aspiration. He defines himself by it. He is a musician, a painter, a playwright. Resistance loves this. Resistance knows that the amateur composer will never write his symphony because he is overly invested in its success and overterrified of its failure. The amateur takes it so seriously it paralyzes him.

A battered wife will invest all her feelings of self-worth in her battering husband. She has totally accepted her husband’s valuation of her, and this is why she stays: She hopes to redeem herself in her husband’s eyes—and therefore in her own.

Your ability to overcome distractions will determine how long you can stay in solitude.

The CFO asks the CEO, “What happens if we invest in developing our people and they leave us?” The CEO responds, “What happens if we don’t, and they stay?

Yes, breadth of experience is likely necessary and desirable when you’re young—after all, you have to go out there and discover what seems worth investing yourself in. But depth is where the gold is buried. And you have to stay committed to something and go deep to dig it up. That’s true in relationships, in a career, in building a great lifestyle—in everything.

When we continue to devalue our inherent needs, when we begin to reduce ourselves as a person in order to stay in a relationship, we are essentially agreeing to limit our potential and anesthetize our authentic self in the name of love or a sense of duty born of our investment in the connections we have formed.

The prevailing wisdom is that markets are always right. I take the opposition position. I assume that markets are always wrong. Even if my assumption is occasionally wrong, I use it as a working hypothesis. It does not follow that one should always go against the prevailing trend. On the contrary, most of the time the trend prevails; only occasionally are the errors corrected. It is only on those occasions that one should go against the trend. This line of reasoning leads me to look for the flaw in every investment thesis. ... I am ahead of the curve. I watch out for telltale signs that a trend may be exhausted. Then I disengage from the herd and look for a different investment thesis. Or, if I think the trend has been carried to excess, I may probe going against it. Most of the time we are punished if we go against the trend. Only at an inflection point are we rewarded.

no one should be allowed to stop in one place any longer than necessary. A man isn’t a tree, and being settled in one place is his misfortune. It saps his courage, breaks his confidence. When a man settles down somewhere, he agrees to any and all of its conditions, even the disagreeable ones, and frightens himself with the uncertainty that awaits him. Change to him seems like abandonment, like a loss of an investment: someone else will occupy his domain, and he’ll have to begin again. Digging oneself in marks the real beginning of old age, because a man is young as long as he isn’t afraid to make new beginnings. If he stays in the same place, he has to put up with things, or take action. If he moves on, he keeps his freedom; he’s ready to change places and the conditions imposed on him.

The reality is that marriage is only as good as the investment people make in it. God has constructed life so that we are always either going forward into the growth process or backing away from it. We can’t stay the same. And marriage reflects this reality. The connection either deepens, opening both spouses up to the hearts of each, or it starts to deteriorate, closing them off from each other.

Professional Answer from Tom Wheelwright Taxes are a part of life. The simple question is whether you are going to use the tax law to make them a smaller part of your life, or do nothing and let them stay a huge expense. With a sound education on how the tax laws work coupled with better tax planning from a competent tax advisor who understands the laws, most entrepreneurs and investors can permanently reduce their taxes by 10 percent to 40 percent. And the money you save in taxes can be used to invest and build your wealth. So don’t wait. Take action now and learn how you can reduce your taxes.

Companies should invest in technology for efficiency because it streamlines processes, reduces operational costs, and improves productivity. Technological advancements enable businesses to stay competitive, adapt to changing market conditions, and provide better products or services to their customers.

Acceptance is an important part of serenity. It is not enough, however, simply to accept the things we cannot change. For me, serenity comes from not having any investment in the outcome. If I am genuinely serene, then it will not matter to me whether things change or stay the same. Either way, I choose to be happy.

I’m a grenade,” I said again. “I just want to stay away from people and read books and think and be with you guys because there’s nothing I can do about hurting you; you’re too invested, so just please let me do that, okay? I’m not depressed. I don’t need to get out more. And I can’t be a regular teenager, because I’m a grenade.

Investments are not a lottery; if it feels like the lottery, stay away from it.

You hire the best people you can possibly find. Then it's up to you to create an environment where great people decide to stay and invest their time.

There is only one thing worse than investing in employees only to lose them, and that is to lose them and they stay on payroll.

The winning formula for success in investing is owning the entire stock market through an index fund, and then doing nothing. Just stay the course.

Similarly, in attempting to understand the misogyny paradox, we might ask how it is that so many women are investing in straight relationships, when these relationships so often cause them damage? The queer theorist Lauren Berlant’s analysis of “cruel optimism”—the term she uses to describe “the condition of maintaining an attachment to a significantly problematic object”—may be useful here. Berlant asks, “Why do people stay attached to conventional good-life fantasies . . . when the evidence of their instability [and] fragility . . . abound?” People persist in these attachments, Berlant explains, because the fantasy object provides a “sense of what it means to keep on living and looking forward to being in the world.

Stay away from the mentality of using the credit card compulsorily and invest on yourself. Wealth has not created mankind but mankind has created wealth. Live your life in the simplest manner possible.

We often want quick answers, quick results, instant rewards, and that’s normal in our high tech, instant, Google driven world. To take that first step towards reaching a goal or realizing a dream, knowing that there will perhaps be a thousand more steps to follow in order to make it happen, can be daunting. It’s simple and yet complicated. The simple part of achieving success is that it just takes work. For me, staying focused on my goals and envisioning my dreams every day, makes the work flow almost on its own. The hard part is the mindset, and to not self sabotage, because you don’t believe in yourself. We often think we can’t achieve our wildest dreams or that we are somehow incapable, and then we never, ever take that first step. I never felt that I was a very confident person, but with the support of some wonderful people and my own inner fire, I kept going. The hardest part after working and working, was to actually accept that I deserved success. Success in itself is kind of scary too, as it comes with having to be responsible, and not flake out. The people who have supported you and invested in you deserve that. I guess what I am trying to say is that if you want something, you have to take action. A little step towards it every day. Then there is a reason to feel accomplished every day. Match your energy and vibration with what you envision. Believe. You deserve success, so go for it.

Staying, we all know, is not the norm in our mobile culture. A great deal of money is spent each day to create desires in each of us that can never be fulfilled. I suspect that much of our restlessness is a return on this investment.

At some point, we just have to make a choice. Grab the chance or let it go by. Stay and invest or move along. Choose or don't choose. It's all a choice, the choice we make. Big. Little. Over and over. And all the little choices make a life.

Many people lack discipline when it comes to saving money. What good is having a bunch of stuff if you’re struggling, in debt, or broke most of the time? So many people put up a front like they’ve got it going on, but they know the truth. They spend all of their money trying to look important, and/or keep up an image. Knowledge is everything! Educate yourself about money, investing, and saving. I encourage you to start investing in yourself instead of things! Set yourself up for a better future and start making better choices. Building wealth takes time! Have discipline. Save. Stay consistent. Be brave enough to change your spending habits. Be wise! Don’t allow money to control you. Strive to have a healthy relationship with money!

There are business and investment opportunities coming that will create bigger fortunes than the automobile did for Henry Ford, oil did for John D. Rockefeller, computers did for Bill Gates, and the Internet did for the young founders of Yahoo, Google, and Facebook.

Food for Thought. One married couple goes out to a restaurant twice a week for dinner. They spend $160 a month on eating out. They get fat. Another married couple invests $160 a month in their own network marketing business. They stay slim and healthy. In a few years they retire.

Mother Nature convincingly suggests that those who stay scared and run with the herd are more likely to stay alive. As investors around you behave irrationally and the news describes a miasma that will last for years, it’s easy to lose sight of your well-laid plans. It’s tempting to join the herd…

When people tell you that this venerable firm or private investor invested X millions of dollars in that entity and that it is a good investment, be skeptical and stay open to the option of running as far as you can in the opposite direction. We have all seen the biggest names on Wall Street along with the largest sovereign wealth funds on the planet make the dumbest investments ever made. Do your due diligence; ask the right questions, and most important, check out the character of the people involved unless you want to end up being prey to another master of the universe à la Bernie Madoff.

Recently, the search for what he calls "the splinters that make up different attention problems" has taken Castellanos in a new direction. First, he explains that your brain is far less concerned with your brilliant ideas or searing emotions than with its own internal "gyroscopic busyness," which consumes 65 percent of its total energy. Every fifty seconds, its activity fluctuates, causing what he calls a "brownout." No one knows the purpose of these neurological events, but Castellanos has a thesis: the clockwork pulses enable the brain's circuits to stay "logged on" and available to communicate with one another, even when they're not being used. "Imagine you're a cabdriver on your day off," Castellanos says. "You don't need to use your workday circuits on a Sunday, but to keep those channels open, your brain sends a ping through them every minute or so. The fluctuations are the brain's investment in maintaining its circuits online.

listening to Barack, I began to understand that his version of hope reached far beyond mine: It was one thing to get yourself out of a stuck place, I realized. It was another thing entirely to try and get the place itself unstuck. I was gripped all over again by a sense of how special he was. Slowly, all around me, too, the church ladies began nodding their approval, punctuating his sentences with calls of “Mmmm-hmm” and “That’s right!” His voice climbed in intensity as he got to the end of his pitch. He wasn’t a preacher, but he was definitely preaching something—a vision. He was making a bid for our investment. The choice, as he saw it, was this: You give up or you work for change. “What’s better for us?” Barack called to the people gathered in the room. “Do we settle for the world as it is, or do we work for the world as it should be?” It was a phrase borrowed from a book he’d read when he first started out as an organizer, and it would stay with me for years.

I’m a grenade,” I said again. “I just want to stay away from people and read books and think and be with you guys because there’s nothing I can do about hurting you; you’re too invested, so just please let me do that, okay? I’m not depressed. I don’t need to get out more. And I can’t be a regular teenager, because I’m a grenade.

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

there are three kinds of people you’re going to meet in the dating world. There are the freeloaders who come in and take everything you give with no expectation of ever having to give anything back to you. There are renters—people who give you something in exchange for something else. They aren’t freeloaders, but they aren’t permanent either. The second the deal isn’t working for them, they’re gone. And then there are buyers. “Buyers are serious. They aren’t flipping houses. They buy into the relationship to stay. They invest in the relationship. They have a stake in it. They see things as permanent or at least that they could turn into permanent. Buyers aren’t in it for some temporary fix. They are about forever.

We also have to invest time attending to our own fears, feelings, and history or we’ll find ourselves managing our own unproductive behaviors. As daring leaders, we have to stay curious about our own blind spots and how to pull those issues into view, and we need to commit to helping the people we serve find their blind spots in a way that’s safe and supportive.

That is why China is not just relying on forced urbanization to produce low-cost labor; it is also investing heavily in the industries of the future. There needs to be investment in growing fields like robotics but also a social framework that makes sure those who are losing their jobs are able to stay afloat long enough to pivot to the industries or positions that offer new possibilities.

But a man must live. Not for nothing do we invest so much of ourselves in other people's lives—or even in momentary pictures of people we do not know. It cuts both ways: the happy group inside the lighted window, the figure in long grass in the orchard seen from the train stay and support us in our dark hours. Illusions are art, for the feeling person, and it is by art that we live, if we do.

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

It will also tell you how easy it is to do just that: simply buy the entire stock market. Then, once you have bought your stocks, get out of the casino and stay out. Just hold the market portfolio forever. And that’s what the index fund does. This investment philosophy is not only simple and elegant. The arithmetic on which it is based is irrefutable. But it is not easy to follow its discipline. So

Another option in a harsh environment is to act in the opposite manner and be intensely persistent and hypervigilant about staying close to your attachment figure (hence, the anxious attachment style). In a more peaceful setting, the intimate bonds formed by investing greatly in a particular individual would yield greater benefits for both the individual and his or her offspring (hence, the secure attachment style).

Four hours in, and Regulus is reading in the sitting room with Marcel on one side and Malcolm on the other. It's the only book in the house they have for kids, one that was James' when he was a child. Malcolm is very invested, his fingers twisting Regulus' sleeve as he leans on his arm, inhaling in palpable excitement every time Regulus turns a page. On the other side, meanwhile, Marcel is passed the fuck out, drooling on Regulus' other arm, head resting in the crook of his elbow. When Sirius shows back up, it's with apologies for taking so long, and gratitude for Regulus helping him out. He holds out his hands in offering, ready to go, and Marcel twists up to whisper in Malcolm's ear. Malcolm looks down at Marcel, then looks at Regulus, then looks at Sirius with his brave face on. Malcolm says, bluntly, "We want to stay here.

The bond market in 2050 will be a vastly different landscape than it is today. It will be larger, more diverse, and more accessible, offering a plethora of opportunities for investors seeking stability, income, and impact. However, this growth will also bring new challenges. Increased complexity, heightened competition, and evolving regulatory frameworks will require investors to adapt their strategies and stay ahead of the curve.

I believe we are a species with amnesia, I think we have forgotten our roots and our origins. I think we are quite lost in many ways. And we live in a society that invests huge amounts of money and vast quantities of energy in ensuring that we all stay lost. A society that invests in creating unconsciousness, which invests in keeping people asleep so that we are just passive consumers or products and not really asking any of the questions.

To manifest your creativity you must believe deeply in the emotional elements and patiently invest in them. Once you find your creativity, it must be encouraged and enhanced, not controlled. The best of the best—the Apples, Nikes, Michael Jordans, Andy Warhols, Meryl Streeps of the world—have it; they protect it, believe in it, and as long as they stay true to their essence they’ll continue to reap the benefits that come with creative thinking and living.

But I don't like working. I do the absolute minimum that is necessary to reach a decision. There are many people who love working. They amass an inordinate amount of information, much more than is necessary to reach a conclusion. And they become attached to certain investments because they know them intimately. I am different. I concentrate on the essentials. When I have to, I work furiously because I am furious that I have to work. When I don't have to, I don't work.

MYTH: Car payments are a way of life; you’ll always have one. TRUTH: Staying away from car payments by driving reliable used cars is what the average millionaire does; that is how he or she became a millionaire. Taking on a car payment is one of the dumbest things people do to destroy their chances of building wealth. The car payment is most folks’ largest payment except for their home mortgage, so it steals more money from the income than virtually anything else. The Federal Reserve notes that the average car payment is $495 over sixty-four months. Most people get a car payment and keep it throughout their lives. As soon as a car is paid off, they get another payment because they “need” a new car. If you keep a $495 car payment throughout your life, which is “normal,” you miss the opportunity to save that money. If you invested $495 per month from age twenty-five to age sixty-five, a normal working lifetime, in the average mutual fund averaging 12 percent (the eighty-year stock market average), you would have $5,881,799.14 at age sixty-five. Hope you like the car!

She’d flown in at his old job up north, which had been gradually reduced from analysis and management to a more reactive and administrative role. Due to his own baggage, he guessed. Due to the fact it always started out well, but then, if he stayed too long … sometimes something happened, something he couldn’t quite define. He became too invested. He became too empathic, or less so. It confused him when it all went to shit because he couldn’t remember the point at which it had started to go bad—was still convinced he could get the formula right.

think my mother was wrong. Fate can be fought. You go to the doctor. You do your health checks. You don’t ignore symptoms. You eat your vegetables. You exercise. You take your medication. You stay on the marked trails. You wear your seat belt. You wear your sunscreen. You check your blind spots. You look both ways. You check your brakes. You download a dating app. You go to that party. You apply for that job. You speak to that person. You study as hard as you are able. You invest sensibly. You won’t necessarily win against fate, but you should at least put up a fight.

Rockefeller immediately put those insights to use. At twenty-five, a group of investors offered to invest approximately $500,000 at his direction if he could find the right oil wells in which to deploy the money. Grateful for the opportunity, Rockefeller set out to tour the nearby oil fields. A few days later, he shocked his backers by returning to Cleveland empty-handed, not having spent or invested a dollar of the funds. The opportunity didn’t feel right to him at the time, no matter how excited the rest of the market was—so he refunded the money and stayed away from drilling. It

RBS is investing tens of millions of pounds in Bó, which is positioned firmly in the personal banking space and aims to compete head-on with the likes of Monzo, a three-year-old digital bank which already has over a million customers. Named after the Danish word for ‘to stay’, Bó aims to help customers manage their finances better, for example by alerting them to better deals from utility companies. RBS reportedly intends to shift around 1 million of its roughly 17 million UK retail customers onto the Bó platform after the launch, believing such cannibalisation is preferable to losing customers to rival fintech brands.

We cannot pick and choose whom among the oppressed it is convenient to support. We must stand with all the oppressed or none of the oppressed. This is a global fight for life against corporate tyranny. We will win only when we see the struggle of working people in Greece, Spain, and Egypt as our own struggle. This will mean a huge reordering of our world, one that turns away from the primacy of profit to full employment and unionized workplaces, inexpensive and modernized mass transit, especially in impoverished communities, universal single-payer health care and a banning of for-profit health care corporations. The minimum wage must be at least $15 an hour and a weekly income of $500 provided to the unemployed, the disabled, stay-at-home parents, the elderly, and those unable to work. Anti-union laws, like the Taft-Hartley Act, and trade agreements such as NAFTA, will be abolished. All Americans will be granted a pension in old age. A parent will receive two years of paid maternity leave, as well as shorter work weeks with no loss in pay and benefits. The Patriot Act and Section 1021 of the National Defense Authorization Act, which permits the military to be used to crush domestic unrest, as well as government spying on citizens, will end. Mass incarceration will be dismantled. Global warming will become a national and global emergency. We will divert our energy and resources to saving the planet through public investment in renewable energy and end our reliance on fossil fuels. Public utilities, including the railroads, energy companies, the arms industry, and banks, will be nationalized. Government funding for the arts, education, and public broadcasting will create places where creativity, self-expression, and voices of dissent can be heard and seen. We will terminate our nuclear weapons programs and build a nuclear-free world. We will demilitarize our police, meaning that police will no longer carry weapons when they patrol our streets but instead, as in Great Britain, rely on specialized armed units that have to be authorized case by case to use lethal force. There will be training and rehabilitation programs for the poor and those in our prisons, along with the abolition of the death penalty. We will grant full citizenship to undocumented workers. There will be a moratorium on foreclosures and bank repossessions. Education will be free from day care to university. All student debt will be forgiven. Mental health care, especially for those now caged in our prisons, will be available. Our empire will be dismantled. Our soldiers and marines will come home.

When we’re experiencing doubts on the way toward achieving a goal, whether we ought to look backward or forward depends on our commitment: When our commitment is wavering, the best was to stay on track is to consider the progress we already made. As we recognize what we’ve invested and attained, it seems like a waste to give up, and our confidence and commitment surge. Once commitment is fortified, instead of glancing in the rear-view mirror, it’s better to look forward, by highlighting the work left to be done. When we’re determined to reach an objective, it’s the gap between where we are and where we aspire to be that lights a fire under us.

Most firms are looking for people who will stay up until three A.M. seven nights a week making slides for a partner who goes home to Wellesley for dinner every night at five P.M.—and who will do so thinking that they’re ‘winning.’ Look at it this way: most firms assume that you’ll leave for law school or business school within three years, and they invest in your training accordingly. Quality mentoring when you’re young is worth whatever you pay for it. Sometimes that means less money, sometimes that means less of a life beyond work. But quality mentoring is not going to be delivered by someone who is twenty-six, and just one tidal cycle ahead of you.

Entering the office, Evie found Sebastian and Cam on opposite sides of the desk. They both mulled over account ledgers, scratching out some entries with freshly inked pens, and making notations beside the long columns. Both men looked up as she crossed the threshold. Evie met Sebastian’s gaze only briefly; she found it hard to maintain her composure around him after the intimacy of the previous night. He paused in mid-sentence as he stared at her, seeming to forget what he had been saying to Cam. It seemed that neither of them was yet comfortable with feelings that were still too new and powerful. Murmuring good morning to them both, she bid them to remain seated, and she went to stand beside Sebastian’s chair. “Have you breakfasted yet, my lord?” she asked. Sebastian shook his head, a smile glinting in his eyes. “Not yet.” “I’ll go to the kitchen and see what is to be had.” “Stay a moment,” he urged. “We’re almost finished.” As the two men discussed a few last points of business, which pertained to a potential investment in a proposed shopping bazaar to be constructed on St. James Street, Sebastian picked up Evie’s hand, which was resting on the desk. Absently he drew the backs of her fingers against the edge of his jaw and his ear while contemplating the written proposal on the desk before him. Although Sebastian was not aware of what the casual familiarity of the gesture revealed, Evie felt her color rise as she met Cam’s gaze over her husband’s downbent head. The boy sent her a glance of mock reproof, like that of a nursemaid who had caught two children playing a kissing game, and he grinned as her blush heightened further. Oblivious to the byplay, Sebastian handed the proposal to Cam, who sobered instantly. “I don’t like the looks of this,” Sebastian commented. “It’s doubtful there will be enough business in the area to sustain an entire bazaar, especially at those rents. I suspect within a year it will turn into a white elephant.” “White elephant?” Evie asked. A new voice came from the doorway, belonging to Lord Westcliff. “A white elephant is a rare animal,” the earl replied, smiling, “that is not only expensive but difficult to maintain. Historically, when an ancient king wished to ruin someone he would gift him with a white elephant.” Stepping into the office, Westcliff bowed over Evie’s hand and spoke to Sebastian. “Your assessment of the proposed bazaar is correct, in my opinion. I was approached with the same investment opportunity not long ago, and I rejected it on the same grounds.” “No doubt we’ll both be proven wrong,” Sebastian said wryly. “One should never try to predict anything regarding women and their shopping.

Obviously, in those situations, we lose the sale. But we’re not trying to maximize each and every transaction. Instead, we’re trying to build a lifelong relationship with each customer, one phone call at a time. A lot of people may think it’s strange that an Internet company is so focused on the telephone, when only about 5 percent of our sales happen through the telephone. In fact, most of our phone calls don’t even result in sales. But what we’ve found is that on average, every customer contacts us at least once sometime during his or her lifetime, and we just need to make sure that we use that opportunity to create a lasting memory. The majority of phone calls don’t result in an immediate order. Sometimes a customer may be calling because it’s her first time returning an item, and she just wants a little help stepping through the process. Other times, a customer may call because there’s a wedding coming up this weekend and he wants a little fashion advice. And sometimes, we get customers who call simply because they’re a little lonely and want someone to talk to. I’m reminded of a time when I was in Santa Monica, California, a few years ago at a Skechers sales conference. After a long night of bar-hopping, a small group of us headed up to someone’s hotel room to order some food. My friend from Skechers tried to order a pepperoni pizza from the room-service menu, but was disappointed to learn that the hotel we were staying at did not deliver hot food after 11:00 PM. We had missed the deadline by several hours. In our inebriated state, a few of us cajoled her into calling Zappos to try to order a pizza. She took us up on our dare, turned on the speakerphone, and explained to the (very) patient Zappos rep that she was staying in a Santa Monica hotel and really craving a pepperoni pizza, that room service was no longer delivering hot food, and that she wanted to know if there was anything Zappos could do to help. The Zappos rep was initially a bit confused by the request, but she quickly recovered and put us on hold. She returned two minutes later, listing the five closest places in the Santa Monica area that were still open and delivering pizzas at that time. Now, truth be told, I was a little hesitant to include this story because I don’t actually want everyone who reads this book to start calling Zappos and ordering pizza. But I just think it’s a fun story to illustrate the power of not having scripts in your call center and empowering your employees to do what’s right for your brand, no matter how unusual or bizarre the situation. As for my friend from Skechers? After that phone call, she’s now a customer for life. Top 10 Ways to Instill Customer Service into Your Company   1. Make customer service a priority for the whole company, not just a department. A customer service attitude needs to come from the top.   2. Make WOW a verb that is part of your company’s everyday vocabulary.   3. Empower and trust your customer service reps. Trust that they want to provide great service… because they actually do. Escalations to a supervisor should be rare.   4. Realize that it’s okay to fire customers who are insatiable or abuse your employees.   5. Don’t measure call times, don’t force employees to upsell, and don’t use scripts.   6. Don’t hide your 1-800 number. It’s a message not just to your customers, but to your employees as well.   7. View each call as an investment in building a customer service brand, not as an expense you’re seeking to minimize.   8. Have the entire company celebrate great service. Tell stories of WOW experiences to everyone in the company.   9. Find and hire people who are already passionate about customer service. 10. Give great service to everyone: customers, employees, and vendors.

The rise of loneliness as a health hazard tracks with the entrenchment of values and practices that supersede any notion of "individual choices." The dynamics include reduced social programs, less available "common" spaces such as public libraries, cuts in services for the vulnerable and the elderly, stress, poverty, and the inexorable monopolization of economic life that shreds local communities. By way of illustration, let's take a familiar scenario: Walmart or some other megastore decides to open one of its facilities in a municipality. Developers are happy, politicians welcome the new investment, and consumers are pleased at finding a wide variety of goods at lower prices. But what are the social impacts? Locally owned and operated small businesses cannot compete with the marketing behemoth and must close. People lose their jobs or must find new work for lower pay. Neighborhoods are stripped of the familiar hardware store, pharmacy, butcher, baker, candlestick maker. People no longer walk to their local establishment, where they meet and greet one another and familiar merchants they have known, but drive, each isolated in their car, to a windowless, aesthetically bereft warehouse, miles away from home. They might not even leave home at all — why bother, when you can order online? No wonder international surveys show a rise in loneliness. The percentage of Americans identifying themselves as lonely has doubled from 20 to 40 percent since the 1980s, the New York Times reported in 2016. Alarmed by the health ravages, Britain has even found it necessary to appoint a minister of loneliness. Describing the systemic founts of loneliness, the U.S. surgeon general Vivek Murthy wrote: "Our twenty-first-century world demands that we focus on pursuits that seem to be in constant competition for our time, attention, energy, and commitment. Many of these pursuits are themselves competitions. We compete for jobs and status. We compete over possessions, money, and reputations. We strive to stay afloat and to get ahead. Meanwhile, the relationships we prize often get neglected in the chase." It is easy to miss the point that what Dr. Murthy calls "our twenty-first-century world" is no abstract entity, but the concrete manifestation of a particular socioeconomic system, a distinct worldview, and a way of life.

Passengers are people who don't mind simply being carried along by the company's momentum, offering little or no input, seemingly not caring much about the direction chosen by management. They are often pleasant, get along with everyone, attend meetings promptly, and generally do not stand out as troublemakers. They are often accepted into the fabric of the organization and stay there for many years. The problem is that while passengers can often diagnose and articulate a problem quite well, they have no investment in solving it. They don't do the heavy lifting. They avoid taking strong positions at the risk of being wrong about something. They can take any side of an issue, depending on how the prevailing winds are blowing. In large organizations especially, there are many places to hide without really being noticed.

Jae reflected on the leader’s role: “You can jump in and teach and coach, but then you have to give the pen back. When you give that pen back, your people know they are still in charge.” When something is off the rails, do you take over or do you invest? When you take the pen to add your ideas, do you give it back? Or does it stay in your pocket? Multipliers invest in the success of others. They may jump in to teach and share their ideas, but they always return to accountability. When leaders fail to return ownership, they create dependent organizations. This is the way of the Diminisher. They jump in, save the day, and drive results through their personal involvement. When leaders return the pen, they cement the accountability for action where it should be. This creates organizations that are free from the nagging need of the leader’s rescue.

Good economic institutions will encourage citizens to invest, accumulate, and develop new technologies, as a result of which society will prosper. Bad economic institutions will have the opposite effects. One problem is that rulers, who have the power to shape economic institutions, do not necessarily find it in their interest to allow their citizens to thrive and prosper. They may personally be better off with an economy that imposes lots of restrictions on who can do what (that they selectively relax to their advantage), and weakening competition may actually help them stay in power. This is why political institutions matter - they exist to prevent leaders from organizing the economy for their private benefit. When they work well, political institutions put enough constraints on rulers to ensure that they cannot deviate too far from the public interest.

History favors the bold. Compensation favors the meek. As a Fortune 500 company CEO, you’re better off taking the path often traveled and staying the course. Big companies may have more assets to innovate with, but they rarely take big risks or innovate at the cost of cannibalizing a current business. Neither would they chance alienating suppliers or investors. They play not to lose, and shareholders reward them for it—until those shareholders walk and buy Amazon stock. Most boards ask management: “How can we build the greatest advantage for the least amount of capital/investment?” Amazon reverses the question: “What can we do that gives us an advantage that’s hugely expensive, and that no one else can afford?” Why? Because Amazon has access to capital with lower return expectations than peers. Reducing shipping times from two days to one day? That will require billions. Amazon will have to build smart warehouses near cities, where real estate and labor are expensive. By any conventional measure, it would be a huge investment for a marginal return. But for Amazon, it’s all kinds of perfect. Why? Because Macy’s, Sears, and Walmart can’t afford to spend billions getting the delivery times of their relatively small online businesses down from two days to one. Consumers love it, and competitors stand flaccid on the sidelines. In 2015, Amazon spent $7 billion on shipping fees, a net shipping loss of $5 billion, and overall profits of $2.4 billion. Crazy, no? No. Amazon is going underwater with the world’s largest oxygen tank, forcing other retailers to follow it, match its prices, and deal with changed customer delivery expectations. The difference is other retailers have just the air in their lungs and are drowning. Amazon will surface and have the ocean of retail largely to itself.

What if, rather than asking women to bear the burden of responsibility for our nation’s health and intelligence, governments invested money in research for better formulas that can improve health? If what we feed our babies in the first year really has that much of an impact on lifelong health, this should be a priority. Because in reality, not all babies are going to be able to be breastfed, as long as we want to live in a world where women have the freedom to decide how to use their bodies; whether to work or stay home; whether to be a primary caregiver or not. In reality, there are going to be children raised by single dads; there are going to be children raised by grandparents; there are going to be children who are adopted by parents who aren’t able to induce lactation; there are going to be children whose mothers don’t produce enough milk, or who are on drugs not compatible with breastfeeding. Rather than demanding that every mother should be able to—should want to—breastfeed, we should be demanding better research, better resources, better options. We should be demanding better.

I’m much richer than I appear and that, thanks to well advised investments, I’ve managed to amass a small fortune. They’ve casually tried to ask me about this. I’ve said nothing to confirm or deny the rumor. They tell “Grandpa” how happy they are to see him in good form; they shower him with charming, bland smiles, telling him about the latest exploits of the youngest grandchildren and bringing him up to date on the brilliant careers of the eldest. They remind him of the names of the first great grandchildren. And then in the end, when there’s not much of a response beyond a grunt or a gurgle, they lean back in their seats saying that “Grandpa” isn’t so easygoing, he always had a difficult character and that doesn’t change with age, he could still be a bit more polite and show a little more gratitude toward this family that spends Christmas Day with him; he barely smiles, it’s true, which seems to prove that he doesn’t enjoy it and that we organize the whole hoopla for nothing, he’d rather stay at home near the radiator with a book; ah yes, books, for “Grandpa,” you’d think they were more important than human

This (the tendency to revive the old, and just stay with the old) is true not just of Habad but of Hassidim in generally, whether they are in Williamsburg or Mea She’arim. They are pouring all their energies into reliving an anachronism, so much so that there is no energy left over to live in the present. This attempt at living out an anachronism prevents them, not only from interchanging with the world around them, but even from praying properly, or studying, let alone from perceiving the presence of their children or their wives.” (SS: understanding what they need in the presence time and generation). “I’m not anti-tradition. On the contrary, I’ll use anything that will help me get off. I’ve got a great deal invested in the materials of civilization, like language and vocabulary - booba, zeida, cholent, tallis - they’re deeply embedded in the core of my brain, attached to my thalamus, not to the cortex. It would be foolish to deny that they’re not part of my make-up. But, if someone says that I must believe in the God who was active at the time of Moses, or Yohannan ben Zakai, or the Baal Shem Tov, my answer is no.

Bollywood's economic workings are more mysterious. It still exists in what was known as the informal and high-risk sector of the Indian economy. Banks rarely invest in Bollywood, where moneylenders are rampant, demanding up to 35 percent interest. The big corporate houses seem no less keen to stay away from filmmaking. A senior executive with the Tatas, one of India's prominent business families, told me, "We went into Bollywood, made one film, lost a lot of money, and got out of it fast," adding that "the place works in ways we couldn't begin to explain to our shareholders." Since only six or seven of the two hundred films made each year earn a profit, the industry has generated little capital of its own. The great studios of the early years of the industry are now defunct. It is outsiders- regular moneylenders, small and big businessmen, real estate people, and, sometimes, mafia dons- who continue to finance new films, and their turnover, given the losses, is rapid. Their motives are mixed: sex, glamour, money laundering, and, more optimistically, profit. They rarely have much to do with the desire to make original, or even competent, films.

At this point in your Total Money Makeover, you are debt-free except for the house, and you have three to six months of expenses ($10,000+/–) saved for emergencies. At this point in your Total Money Makeover, you are putting 15 percent of your income into retirement savings and you are investing for your kid’s college education with firm goals in sight on both. You are now one of the top 5 to 10 percent of Americans because you have some wealth, have a plan, and are under control. At this point in your Total Money Makeover, you are in grave danger! You are in danger of settling for “Good Enough.” You are at the eighteen-mile mark of a marathon, and now that it is time to reach for the really big gold ring, the final two Baby Steps could seem out of your reach. Let me assure you that many have been at this point. Some have stopped and regretted it; others have stayed gazelle-intense long enough to finish the race. The latter have looked and seen just one major hurdle left, after which they can walk with pride among the ultra-fit who call themselves financial marathoners. They can count themselves among the elite who have finished The Total Money Makeover.

Jack renovated the cabin without being asked, while I stayed at Doc’s house,” Mel said. “About the time I was going to make a break for it, he showed it to me. I said I’d give it a few more days. Then my first delivery occurred and I realized I should give the place a chance. There’s something about a successful delivery in a place like Virgin River where there’s no backup, no anesthesia… Just me and Mom… It’s indescribable.” “Then there’s Jack,” Brie said. “Jack,” Mel repeated. “I don’t know when I’ve met a kinder, stronger, more generous man. Your brother is wonderful, Brie. He’s amazing. Everyone in Virgin River loves him.” “My brother is in love with you,” Brie said. Mel shouldn’t have been shocked. Although he hadn’t said the words, she already knew it. Felt it. At first she thought he was just a remarkable lover, but soon she realized that he couldn’t touch her that way without an emotional investment, as well as a physical one. He gave her everything he had—and not just in the bedroom. It was in her mind to tell Brie—I’m a recent widow! I need time to digest this! I don’t feel free yet—free to accept another man’s love! Her cheeks grew warm and she said nothing. “I realize I’m biased, but when a man like Jack loves a woman, it’s a great honor.” “I agree,” Mel said quietly. *

a young Goldman Sachs banker named Joseph Park was sitting in his apartment, frustrated at the effort required to get access to entertainment. Why should he trek all the way to Blockbuster to rent a movie? He should just be able to open a website, pick out a movie, and have it delivered to his door. Despite raising around $250 million, Kozmo, the company Park founded, went bankrupt in 2001. His biggest mistake was making a brash promise for one-hour delivery of virtually anything, and investing in building national operations to support growth that never happened. One study of over three thousand startups indicates that roughly three out of every four fail because of premature scaling—making investments that the market isn’t yet ready to support. Had Park proceeded more slowly, he might have noticed that with the current technology available, one-hour delivery was an impractical and low-margin business. There was, however, a tremendous demand for online movie rentals. Netflix was just then getting off the ground, and Kozmo might have been able to compete in the area of mail-order rentals and then online movie streaming. Later, he might have been able to capitalize on technological changes that made it possible for Instacart to build a logistics operation that made one-hour grocery delivery scalable and profitable. Since the market is more defined when settlers enter, they can focus on providing superior quality instead of deliberating about what to offer in the first place. “Wouldn’t you rather be second or third and see how the guy in first did, and then . . . improve it?” Malcolm Gladwell asked in an interview. “When ideas get really complicated, and when the world gets complicated, it’s foolish to think the person who’s first can work it all out,” Gladwell remarked. “Most good things, it takes a long time to figure them out.”* Second, there’s reason to believe that the kinds of people who choose to be late movers may be better suited to succeed. Risk seekers are drawn to being first, and they’re prone to making impulsive decisions. Meanwhile, more risk-averse entrepreneurs watch from the sidelines, waiting for the right opportunity and balancing their risk portfolios before entering. In a study of software startups, strategy researchers Elizabeth Pontikes and William Barnett find that when entrepreneurs rush to follow the crowd into hyped markets, their startups are less likely to survive and grow. When entrepreneurs wait for the market to cool down, they have higher odds of success: “Nonconformists . . . that buck the trend are most likely to stay in the market, receive funding, and ultimately go public.” Third, along with being less recklessly ambitious, settlers can improve upon competitors’ technology to make products better. When you’re the first to market, you have to make all the mistakes yourself. Meanwhile, settlers can watch and learn from your errors. “Moving first is a tactic, not a goal,” Peter Thiel writes in Zero to One; “being the first mover doesn’t do you any good if someone else comes along and unseats you.” Fourth, whereas pioneers tend to get stuck in their early offerings, settlers can observe market changes and shifting consumer tastes and adjust accordingly. In a study of the U.S. automobile industry over nearly a century, pioneers had lower survival rates because they struggled to establish legitimacy, developed routines that didn’t fit the market, and became obsolete as consumer needs clarified. Settlers also have the luxury of waiting for the market to be ready. When Warby Parker launched, e-commerce companies had been thriving for more than a decade, though other companies had tried selling glasses online with little success. “There’s no way it would have worked before,” Neil Blumenthal tells me. “We had to wait for Amazon, Zappos, and Blue Nile to get people comfortable buying products they typically wouldn’t order online.

In other words, you have been hypnotized or conditioned by an educational processing-system arranged in grades or steps, supposedly leading to some ultimate Success. First nursery school or kindergarten, then the grades or forms of elementary school, preparing you for the great moment of secondary school! But then more steps, up and up to the coveted goal of the university. Here, if you are clever, you can stay on indefinitely by getting into graduate school and becoming a permanent student. Otherwise, you are headed step by step for the great Outside World of family-raising, business, and profession. Yet graduation day is a very temporary fulfillment, for with your first sales-promotion meeting you are back in the same old system, being urged to make that quota (and if you do, they’ll give you a higher quota) and so progress up the ladder to sales manager, vice-president, and, at last, president of your own show (about forty to forty-five years old). In the meantime, the insurance and investment people have been interesting you in plans for Retirement—that really ultimate goal of being able to sit back and enjoy the fruits of all your labors. But when that day comes, your anxieties and exertions will have left you with a weak heart, false teeth, prostate trouble, sexual impotence, fuzzy eyesight, and a vile digestion.

So the highlands?” Ira nodded and tugged the reins, moving up the trail. Oscar swung his rifle to the back, away from Camille. She slid down the dip in the saddle; the press of her body against Oscar’s was unladylike, even for her. She imagined Randall’s rigid glare if he saw her right then, cradled in Oscar’s protective arms. Could this be all it would take for him to call off the wedding? To pull out his investments? “You might have more room if you rode with Ira,” Oscar said softly, his chest vibrating as he spoke. Surely, Randall would agree. But the enfold of Oscar’s arms and chest was as comforting and reassuring as it was improper. She pushed the image of Randall aside. “If it’s all right with you, I’d rather stay here,” Camille replied. She hung on to the horn of the saddle as they started to wind through the woods once more. Oscar leveled his lips with her ear. “I’d rather you stay here, too.” He closed his arms around her a little bit tighter. She blushed, knowing she should reprimand him for being so bold. But his boldness exhilarated her more than it bothered her. In fact, it didn’t bother her at all. Ira glanced over his shoulder. She half expected one of his coy grins as he regarded the closeness of Oscar’s arms, but instead she received only an intent stare and a question. “Just what the devil does that map lead to?

A person can be recognized or granted citizenship on a number of bases. Usually citizenship based on circumstances of birth is automatic, but an application may be required. Citizenship by birth (jus sanguinis). Born within a country (jus soli). Some people are automatically citizens of the state in which they are born. Most countries in the Americas grant unconditional jus soli citizenship, while it has been limited or abolished in almost all other countries. Citizenship by marriage (jus matrimonii). Naturalization. States normally grant citizenship to people who have entered the country legally and been granted permit to stay, or been granted political asylum, and also lived there for a specified period. In some countries, naturalization is subject to conditions which may include passing a test demonstrating reasonable knowledge of the language or way of life of the host country, good conduct (no serious criminal record) and moral character (such as drunkenness, or gambling), vowing allegiance to their new state or its ruler and renouncing their prior citizenship. Some states allow dual citizenship and do not require naturalized citizens to formally renounce any other citizenship. Citizenship by investment or Economic Citizenship. Wealthy people invest money in property or businesses, buy government bonds or simply donate cash directly, in exchange for citizenship and a passport.

What makes relationship break ups so difficult in a codependent society is not the pain of the romance ending - although there is certainly a lot of pain and grief about such endings - it is the shame that our disease beats us up with for:  being "failures;"  or for being unworthy and unlovable;  or for being so "stupid" as to make such a "wrong" choice.  Very often we hang onto a relationship long after it is empty and dead because we feel that ending it will prove that we were "wrong" - or that something is wrong with us.  This is especially true in instances where our family or friends warned us that the person wasn't good for us - then we have a great deal of ego investment in proving them wrong.  This kind of attempt to avoid "failure" - to avoid admitting "defeat" - has caused many a person to stay in relationships that were abusive long after they knew it was hopeless. The subconscious programming is so strong that it overrides common sense, intellectual knowledge, and conscious awareness - and keeps us putting a great deal of energy into rationalizing and denying reality.  It is that subconscious programming - which can not be substantially changed without becoming emotionally honest, which includes releasing the repressed grief energy from childhood - that makes us powerless to live life in any way except reacting to the extremes of codependency.  It is powerlessness over that programming that has caused us to be our own worst enemies.

Now, in the academy, you cannot just say anything about male theory. You have to proceed with an immanent critique, that is to say, you have to expertly play the parts against the whole. You show, for example, how certain assumptions in the work actually defeat its stated purpose of human liberation, but once remedied, i.e. salvaged, the theory will work for women. An immanent critique can stay within the masculinist academic circle. In this position women become the technicians of male theory who have to reprogram the machine, turning it from a war machine against women into a gentler, kinder war machine, killing us softly. This is a very involving task and after years of playing this part it is understandable that there may be little desire to admit that the effort was virtually futile. An investment has been made, and the conformity is not wholly outer. What attitudes and feelings does this sexist context produce towards oppositional women who refuse this male material? Does a male-circled woman have the power and security to be generous? Having compromised her freedom, will she be less willing to compromise ours? Perhaps the most pernicious aspect of this arrangement, besides the ways it sets women against one another, is the fact that although the male academy values owning our freedom, it does not have to pay a lot for it. Masculine culture already controls gross amounts of female lives. Still, it seems to want more, but always at the same low price. The exploited are very affordable.

Come close to God and He will come close to you. (JAMES 4:8) Not everyone is willing to pay the price required to be close to God. Not everyone is willing to simply take the time required or make the investments needed for spiritual growth. God doesn’t ask for all of our time. He certainly wants us to do things we don’t consider “spiritual.” He designed us with bodies, souls (minds, wills, and emotions), and spirits, and He expects us to take care of all these areas. Exercising our bodies and caring for our souls takes time and effort. Our emotions need to be ministered to; we need to have fun and be entertained, and we need to enjoy being with other people. Our minds need to grow and be renewed daily. In addition, we have a spiritual nature that needs attention. To stay balanced and healthy, we must take time to take care of our entire being. I believe the whole issue of intimacy with God is a matter of time. We say we don’t have time to seek God, but the truth is that we take time to do the things that are most important to us. Even though we all have to fight distractions every day, if knowing God and hearing from Him is important to us then we will find time to do it. Don’t try to work God into your schedule, but instead work your schedule around time with Him. Getting to know God is a long-term investment, so don’t get discouraged if you don’t get instant results. Be determined to honor Him with your time and you will reap the benefits. GOD’S WORD FOR YOU TODAY: Just like physical exercise, spiritual exercise needs to be done regularly. You’re sure to see the results.

I’m Sushi K and I’m here to say I like to rap in a different way Look out Number One in every city Sushi K rap has all most pretty My special talking of remarkable words Is not the stereotyped bucktooth nerd My hair is big as a galaxy Cause I attain greater technology [...] I like to rap about sweetened romance My fond ambition is of your pants So here is of special remarkable way Of this fellow raps named Sushi K The Nipponese talking phenomenon Like samurai sword his sharpened tongue Who raps the East Asia and the Pacific Prosperity Sphere, to be specific [...] Sarariman on subway listen For Sushi K like nuclear fission Fire-breathing lizard Gojiro He my always big-time hero His mutant rap burn down whole block Start investing now Sushi K stock It on Nikkei stock exchange Waxes; other rappers wane Best investment, make my day Corporation Sushi K [...] Coming to America now Rappers trying to start a row Say “Stay in Japan, please, listen! We can’t handle competition!” U.S. rappers booing and hissin’ Ask for rap protectionism They afraid of Sushi K Cause their audience go away He got chill financial backin’ Give those U.S. rappers a smackin’ Sushi K concert machine Fast efficient super clean Run like clockwork in a watch Kick old rappers in the crotch [...] He learn English total immersion English/Japanese be mergin’ Into super combination So can have fans in every nation Hong Kong they speak English, too Yearn of rappers just like you Anglophones who live down under Sooner later start to wonder When they get they own rap star Tired of rappers from afar [...] So I will get big radio traffic When you look at demographic Sushi K research statistic Make big future look ballistic Speed of Sushi K growth stock Put U.S. rappers into shock

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

And spend they did. Money circulated faster and spread wider through its communities of use than at any other time in economic history.8 Workers labored fewer days and at higher wages than before or since; people ate four meals a day; women were taller in Europe than at any time until the 1970s; and the highest percentage on record of business profits went to preventative maintenance on equipment. It was a period of tremendous growth and wealth. Meanwhile, with no way of storing or growing value with this form of money over the long term, people made massive investments in architecture, particularly cathedrals, which they knew would attract pilgrims and tourists for years to come. This was their way of investing in the future, and the pre-Renaissance era of affluence became known as the Age of Cathedrals. The beauty of a flow-based economy is that it favors those who actively create value. The problem is that it disfavors those who are used to reaping passive rewards. Aristocratic landowning families had stayed rich for centuries simply by being rich in the first place. Peasants all worked the land in return for enough of their own harvest on which to subsist. Feudal lords did not participate in the peer-to-peer economy facilitated by local currencies, and by 1100 or so, most or the aristocracy’s wealth and power was receding. They were threatened by the rise of the merchant middle class and the growing bourgeois population, and had little way of participating in all the sideways trade. The wealthy needed a way to make money simply by having money. So, one by one, each of the early monarchies of Europe outlawed the kingdom’s local currencies and replaced them with a single central currency. Instead of growing their money in the fields, people would have to borrow money from the king’s treasury—at interest. If they wanted a medium through which to transact at the local marketplace, it meant becoming indebted to the aristocracy.

We don't die willingly. The more invested we are in the worlds projected by patterns, the stronger the denial, anger, and bargaining, and the despair of depression. Insight practice is inherently frustrating because you are looking to see where, at first, you are unable to see--beyond the world of the patterns. Another way to look at insight practice is to see that the process has three stages: shock, disorganization, and reorganization. The first stage starts when you see beyond illusion. You experience a shock. You react by denying that you saw what you saw, saying, in effect, "That makes no sense. I'll just forget about that." Unfortunately, or fortunately, your experience of seeing is not so easily denied. It is too vivid, too real, to ignore. Now you become angry because the illusion in which you have lived has been shattered. You know you can't go back, but you don't want to go forward. You are still attached to the world of patterns. You feel anxious, and the anxiety gradually matures into grief. You now know that you have to go forward. You experience the pain of separating from what you understood, just as the lama in the example experienced pain at the loss of his worldview. You then enter a period of disorganization. You withdraw, become apathetic, lose your energy for life, become restless, and routinely reject new possibilities or directions. You surrender to the changes taking place but do nothing to move forward. A major risk at this stage is that you remain in a state of disorganization. You hold on to an aspect of the old world. parents who have lost a child in an accident or to violence, for example, have great difficulty in letting go. They may keep the child's bedroom just as it was. Their views and expectations of life have been shattered, and, understandably, they cling to a few of the shards. They may stay in the stage of disorganization for a long time. The third stage of insight is reorganization. You experience a shift, and you let the old world go, even the shards. You accept the world that you see with your new eyes. What was previously seen as being absolute and real is now seen differently. The old structures, beliefs, and behaviors no longer hold, and you enter a new life.

I am going to kill you.” These six words may have triggered more high-stakes predictions than any other sentence ever spoken. They have certainly caused a great deal of fear and anxiety. But why? Perhaps we believe only a deranged and dangerous person would even think of harming us, but that just isn’t so. Plenty of people have thought of harming you: the driver of the car behind you who felt you were going too slowly, the person waiting to use the pay-phone you were chatting on, the person you fired, the person you walked out on—they have all hosted a fleeting violent idea. Though thoughts of harming you may be terrible, they are also inevitable. The thought is not the problem; the expression of the thought is what causes us anxiety, and most of the time that’s the whole idea. Understanding this will help reduce unwarranted fear. That someone would intrude on our peace of mind, that they would speak words so difficult to take back, that they would exploit our fear, that they would care so little about us, that they would raise the stakes so high, that they would stoop so low—all of this alarms us, and by design. Threatening words are dispatched like soldiers under strict orders: Cause anxiety that cannot be ignored. Surprisingly, their deployment isn’t entirely bad news. It’s bad, of course, that someone threatens violence, but the threat means that at least for now, he has considered violence and decided against doing it. The threat means that at least for now (and usually forever), he favors words that alarm over actions that harm. For an instrument of communication used so frequently, the threat is little understood, until you think about it. The parent who threatens punishment, the lawyer who threatens unspecified “further action,” the head of state who threatens war, the ex-husband who threatens murder, the child who threatens to make a scene—all are using words with the exact same intent: to cause uncertainty. Our social world relies on our investing some threats with credibility while discounting others. Our belief that they really will tow the car if we leave it here encourages us to look for a parking space unencumbered by that particular threat. The disbelief that our joking spouse will really kill us if we are late to dinner allows us to stay in the marriage. Threats, you see, are not the issue—context is the issue.

This is a good moment to remember one of Mansfield’s Manly Maxims: “Manly men tend their fields.” It means that we take care of the lives and property entrusted to us. It means that we take responsibility for everything in the “field assigned to us.” We cannot do this without knowledge. We cannot do it if we are ignorant of our times, blind to the trends shaping our lives, and oblivious to the basic knowledge that allows us to do what we are called to do as men. We must know enough about law, health, science, economics, politics, and technology to fulfill our roles. We should also know enough about our faith to stand our ground in a secular age, resist heresies, and teach our families. We also shouldn’t be without the benefits of literature and poetry, of good novels and stirring stories, all of which make us more relevant and more effective. We need all of this, and no one is going to force it upon us. Nor will we acquire what we need from a degree program or a study group alone, as valuable as these can be. The truth is that men who aspire to be genuine men and serve well have no choice: they must devote themselves to an aggressive program of self-education. They have to read books, stay current with websites and periodicals, consult experts, and put themselves in a position to know. It isn’t as hard as it sounds, particularly in our Internet age. Much of what a man needs to know can land in his iPad while he is sleeping, but he has to know enough to value this power in the first place. To ignore this duty can mean disaster. How many men have lost jobs because they did not see massive trends on the horizon? How many men have failed to stay intellectually sharp and so gave up ground in their professions to others with more active minds? How many have lost money through uninformed investments or have not taken opportunities in expanding fields or have missed promotions because they had not bothered to learn about new technologies or what changes social media, for example, would bring to their jobs? I do not want to be negative. Learning is a joy. Reading is one of the great pleasures of life. A man ought to invest in knowledge because it is part of living in this world fully engaged and glorifying God. Yet our times also make it essential. The amount of knowledge in the world is increasing. Technology is transforming our lives. New trends can rise like floodwaters and sweep devastation into our homes. Men committed to tending their fields learn, study, research, dig out facts, and test theories. They know how to safeguard their families. They serve well because they serve as informed men.

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Every person has short-term goals. Some are modest, such as setting aside money for a vacation next month or paying for medical bills. Other short-term goals are more ambitious, such as accruing funds for a down payment to purchase a new home within six months. Whatever the expense or purchase, you need a predictable accumulation of cash soon. If this sounds like your situation, stay away from the stock market!

When things turned south in the late 1980s, Fred could no longer separate himself from his son’s brutal ineptitude; the father had no choice but to stay invested. His monster had been set free. All he could do was mitigate the damage, keep the cash flowing, and find somebody else to blame.

To Bring Acquisitions into the Fold . . . •​Put integration plans in place before the deal closes, covering management, metrics, and other relevant topics. •​Personally review and approve the plan. •​Tighten up the executional details. •​Put dedicated, full-time integration teams in place, and assemble these teams early. •​Make changes and communicate them immediately to shape the mind-set. •​Stay alert for processes in acquired companies that you like, and introduce them as innovations into your own company. •​Personally perform regular follow-up to ensure that the acquisition really is performing even better than predicted by the valuation model.

I run a finance business based on relationships, open communication and simplicity. Not words you naturally associate with the industry! The thing is, when I started Sapphire Lending I knew it had to be on my terms. I knew that was the only way I would stay engaged and succeed, and therefore I had the confidence to do it my way. Having this level of self-awareness helps when you set up a business and quite often it can help you find that unique selling point.

The best thing you can do to witness to a toxic person is stay focused on your task, refuse to be distracted or play their games, pray instead of gossip, and then get the work done. Find the reliable people God has called you to invest in. Accomplish the task that you know to be urgent. Then

The argument to stay away from tax-deferred investing is usually pitched by some of the, how should I put this, questionable “financial planners” out there and is very self-serving. If you don’t invest in your 401(k), the planner can sell you another product that he can make money on. Can you say “permanent insurance”?

For example, let’s say you bought a rental house five years ago for $300,000 and rented it for three years. When your tenant moved out, you and your spouse moved in and stayed there for two years. You just sold the house for $400,000, a $100,000 capital gain. You can exclude two-fifths of that gain ($40,000) from taxes.

Established Sino-Burmese businessmen continue to remain at the helm of Myanmar's economy, where the Chinese minority have been transformed almost overnight into a garishly distinctive prosperous business community. Much of the foreign investment capital into the Burmese economy has been from Mainland Chinese investors and channeled through Burmese Chinese business networks for new startup businesses or foreign acquisitions. Many members of the Burmese Chinese business community act as agents for Mainland and overseas Chinese investors outside of Myanmar. In 1988, the State Law and Order Restoration Council (SLORC) came to power, and gradually loosened the government's role in the economy, encouraging private sector growth and foreign investment. This liberalization of state's role in the economy, if slight and uneven, nonetheless gave Burmese Chinese-led businesses extra space to expand and reassert their economic clout. Today, virtually all of Myanmar's retail, wholesale and shipping firms are in Chinese hands. For example, Sein Gayha, a major Burmese retailer that began in Yangon's Chinatown in 1985, is owned by a Burmese Hakka family. Moreover, ethnic Chinese control the nations four of the five largest commercial banks, Myanmar Universal Bank, Yoma Bank, Myanmar Mayflower Bank, and the Asia Wealth Bank. Today, Myanmar's ethnic Chinese community are now at the forefront of opening up the country's economy, especially towards Mainland China as an international overseas Chinese economic outpost. The Chinese government has been very proactive in engaging with the overseas Chinese diaspora and using China's soft power to help the Burmese Chinese community stay close to their roots in order to foster business ties.[9] Much of the foreign investment from Mainland China now entering Myanmar is being channeled through overseas Chinese bamboo networks. Many members of the Burmese Chinese business community often act as agents for expatriate and overseas Chinese investors outside of Myanmar.

You don’t need to be a twit in articulating these expectations, and you shouldn’t ask people to do the truly impossible. But you do need to request the seemingly impossible, putting it to them in a kindly way and even with a sense of humor. It is possible to overdo it, as I have on occasion. On balance, though, organizations, people, and leaders would do well to be much more demanding of themselves than they are. Whatever you do, stay hungry. Investors often asked us what would cause us to miss our numbers, thinking I would name some industry or economic issue, but I always gave the same answer: “If we ever lose our hunger.” That hunger starts with the leader.

In the early 2000s, social media and streaming services changed the game not only for the world but for the global Church. With just one click, anyone with a computer could now find a church, pastor, worship leader, song, chord chart, sermon, or podcast. During this time, digital intellectual material came at us at lightning speed and the larger, well-known churches began representing and dominating a small fraction of the global Church, setting a standard that many other churches simply could not meet when it came to production. The smaller churches lacked the technology, volunteers, or staff to launch and maintain the programming as well as the finances to keep up with the ever-changing times. The traditionalists, baby boomers, and Gen X, who had done most of their ministry hidden and with little resources, were suddenly seeing everything they had been missing. We were no longer satisfied with our own church homes. A friend and fellow worship leader calls this “worship pornography.” The more content we view online, the less satisfied we are with the Bride entrusted to us. Rather than stay where we are and invest into that body of believers, it has become much easier to go online and look for something sexier, younger, more relevant. We break covenant with the people God had asked us to love and serve by leaving them for something more polished and most likely photoshopped.

The key to this matrix is the symmetry or asymmetry of the performance. Investors who lack skill simply earn the return of the market and the dictates of their style. Without skill, aggressive investors move a lot in both directions, and defensive investors move little in either direction. These investors contribute nothing beyond their choice of style. Each does well when his or her style is in favor but poorly when it isn’t. On the other hand, the performance of investors who add value is asymmetrical. The percentage of the market’s gain they capture is higher than the percentage of loss they suffer. Aggressive investors with skill do well in bull markets but don’t give it all back in corresponding bear markets, while defensive investors with skill lose relatively little in bear markets but participate reasonably in bull markets. Everything in investing is a two-edged sword and operates symmetrically, with the exception of superior skill. Only skill can be counted on to add more in propitious environments than it costs in hostile ones. This is the investment asymmetry we seek. Superior skill is the prerequisite for it. Here’s how I describe Oaktree’s performance aspirations: In good years in the market, it’s good enough to be average. Everyone makes money in the good years, and I have yet to hear anyone explain convincingly why it’s important to beat the market when the market does well. No, in the good years average is good enough. There is a time, however, when we consider it essential to beat the market, and that’s in the bad years. Our clients don’t expect to bear the full brunt of market losses when they occur, and neither do we. Thus, it’s our goal to do as well as the market when it does well and better than the market when it does poorly. At first blush that may sound like a modest goal, but it’s really quite ambitious. In order to stay up with the market when it does well, a portfolio has to incorporate good measures of beta and correlation with the market. But if we’re aided by beta and correlation on the way up, shouldn’t they be expected to hurt us on the way down? If we’re consistently able to decline less when the market declines and also participate fully when the market rises, this can be attributable to only one thing: alpha, or skill. That’s an example of value-added investing, and if demonstrated over a period of decades, it has to come from investment skill. Asymmetry—better performance on the upside than on the downside relative to what your style alone would produce—should be every investor’s goal.

Me: “Okay, so we agree, you guys stay in the house until the school year ends. This is going to make it hard for us to make a profit on this deal, as the house needs a good bit of work, and we wouldn’t be able to get it renovated and back on the market until after the selling season. But, that’s now our problem—it’s a risk we’re just going to have to take. How much cash are you guys looking to get out of the sale?” Notice a couple things from my follow-up comment: I reinforced both the fact that I had given a concession and that it was a big sacrifice for us; I subtly mentioned that the house needed a good bit of work, planting the idea in their head that their house may not be worth what they expected; Immediately after bragging about my sacrifice and lowering their expectation for what their house would be worth, I ask them to throw out a price (now is a first opportunity for them to reciprocate, potentially asking for less than they otherwise would have). Long story short, always take the opportunity to point out the value of your concessions to the other party.

If your actions inspire others to dream more, learn more, do more and become more, you are a leader.” In this quote, I think you will find the message of Leaders Eat Last. When leaders inspire those they lead, people dream of a better future, invest time and effort in learning more, do more for their organizations and along the way become leaders themselves. A leader who takes care of their people and stays focused on the well-being of the organization can never fail. My hope is that after reading this book readers will be inspired to always eat last.

When we routinely succumb to immediate gratification or live to protect and project an image, we become angry with ourselves and ultimately feel empty inside. To quiet the unconscious gnawing that says, I don't like me, we do whatever we can to feel good. We long to love ourselves, but instead we lose ourselves. Unable to invest in our own well-being, we spiral downward to the hollow, self-destructive refuge of activities that take us away from the pain: excessive eating, alcohol or drug abuse, and meaningless diversions and excursions. These ethereal delights mask our self-contempt, and because the happiness we seek instead results in greater pain, we descend further into despair - and into hiding.

Setting new boundaries and staying inside the established scriptural lifelines requires an investment of time, energy, and discipline.

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Highways of love He traveled on emotional highways, Followed by someone who knew his all ways, Together they invested in feelings new, Where there were many memories and moments of joy kissed by morning dew, He criss crossed the lanes and highways with her, As they felt new emotions and experienced new feelings together, The highways of emotions that eventually transformed into the highways of love, And on these highways you only saw them, whether you looked from any side or you looked at them from above, Because they traveled on highways, of which only they knew, Created by their feelings of love and emotions new, These highways stretched from heart to heart, And they experienced the unstoppable rush of intense emotions from the very start, And as the highway of one feeling ended, With a new heart beat a new one got instantly created, So it can be said they lived in their bodies but they stayed in each others hearts, To feel the highways of feelings from which that original moment of love never departs, Then as the day approached its end, These highways of emotions and love did tend to bend, Where they entered a circular formation, And as a single sentiment the highways circled around their hearts like purest form of love’s sensation, And as their eyes slept, their hearts stayed awake, creating circular highways of passionate feelings, Where their hearts secretly dealt with love kissed feelings, And at the break of the dawn, the highways stretched again, As they raced towards new emotions while being kissed by the love’s rain, It has been so, for centuries now, Because on these highways of emotions and passions, time exists only for them, every moment called then and every moment called now, It is just the highways, the two hearts, and the moments of time that never end, Because they know physical highways may end, but feelings of true love never end, nor do they ever bend!

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.

We are highly demanding. We want a company to be run by an honest management team, and show solid operating and financial track records over many years. It needs to stay ahead of the competition and be debt free, and we also want it to keep taking calculated risks while not unduly burdening the business. And, as if all these demands were not enough, we dare to insist on a fair price for these rare gems! How is this even possible? The market should almost never offer us an attractive price for such a business, and it doesn’t.

The method was the same: Estimate an investment’s intrinsic value, handicap its risk, buy using margin of safety, concentrate, stay in the circle of competence, let it roll as compounding did the work.

In 1955, government spending accounted for roughly 22 percent of the economy, and it stayed that way for years. But during the last quarter of the twentieth century, public investments began to decline. By 2021, government spending on all public goods—including national defense, transportation, health expenditures, and programs to ease the pain of poverty—made up just 17.6 percent of GDP.

In 1955, government spending accounted for roughly 22 percent of the economy, and it stayed that way for years. But during the last quarter of the twentieth century, public investments began to decline. By 2021, government spending on all public goods—including national defense, transportation, health expenditures, and programs to ease the pain of poverty—made up just 17.6 percent of GDP. Meanwhile, personal consumption grew from about 60 percent of GDP to 69 percent over that same period.[

Most people stay poor for two reasons: 1.​They haven’t followed a strategy that makes them rich. 2.​They don’t have the mindset of a wealthy person. I plan to help you with the first point. I believe the two most important steps to wealth are to build a business and invest the profits. This book will help with the “build a business” part. However, it’s up to you to reframe your mindset.

No investment is without risks, and no opportunity is guaranteed. Nothing is certain. And if somebody claims it, stay away from that person.

To be a successful investor, you don't need to take excessive risks and be involved in all sorts of financial instruments. You need to understand your risk appetite and understand a few asset classes well. Stay within your boundaries, and your wealth will grow at a decent pace.

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You cannot stay invested in someone or something for lifetime, eventually, inch by inch, day by day you start withdrawing.

Stop. This first step simply asks you to stop and pause rather than react in habitual ways. When you enter an interaction that feels challenging, work hard to stay open-minded. Open-mindedness means being open to other points of view, other ways of doing things, and staying open to changing your own view point. This might mean not allowing a certain cultural display such as a student’s animated verbal exchange trigger you. Observe. In the second step, check yourself. Don’t react to what is going on. Instead, take a breath. Use the 10-second rule. When the brain gets triggered, it takes stress hormones approximately 10 seconds to move through the body to the prefrontal cortex. In the pre-hijack stage, the biochemicals cortisol and adrenaline are just beginning to kick in. There is still some “wiggle room” to listen to your wiser self and begin using stress management techniques to interrupt the amygdala takeover effectively. Try to describe to yourself what is happening in neutral terms. It is during this step that you can recognize that what was originally perceived as a threat isn’t really. Detach. Sometimes when we get triggered, we get personally invested in being right or exercising our power over others. Deliberately shift your consciousness to more pleasant or inspirational images. If those techniques fail, go get a drink of water, literally take a few steps back to shake yourself up a bit. When we can detach from the goal of being right or defending ourselves, we can redirect our energy toward being more responsive rather than reactive. Awaken. When our amygdala reacts, it’s because we are trying to protect ourselves. Shifting focus from yourself to the other person in front of you helps you “wake up” or become present in the moment. Try to see the other person as someone with his own feelings. He might be scared and reacting out of fear. Ask yourself a few questions about the other person. What are they thinking? How are they feeling in this moment? Shifting over to their perspective will get you out of your own reactive mode and will put you in a better position to have a positive interaction.

While Future You can easily get on board with how great it’ll feel to have everything done, Present You needs consistent wins to stay motivated. With each small step you complete, you become more invested in finishing the whole task.

Staying in your own lane” will bring results from the moment you begin investing in yourself.

There’s a car racing metaphor I find helpful when I’m trying to remind myself to look up from my laptop and take a break. When I was a child, I visited the maintenance pit of the famous Silverstone Formula One racetrack, and of course it was fascinating to learn about the tire switches and refueling that mechanics were able to do in just a few seconds. But what stayed with me most was the idea that success was determined not only by the car’s speed on the track, but also by the “pit strategy”—the race team’s scheduled pit stops. Each stop was a tactical investment in performance, a deliberate slowing down, to enable the car to speed up afterward. Pit stops are not wasted time—they’re an essential part of an efficient, well-planned race. And your brain is like that race car. Downtime is as important to your work as every other part of your day, and you need to make sure you get enough of that time throughout the day. Plan for it, protect it, respect it.

Unfortunately, the Bull that gilded Renaissance New York did little for most Americans. Eighties Wall Street was about institutional money released by deregulation, mergers and acquisitions, and, most of all, the debt that made it all possible. As John Kenneth Galbraith points out, financial euphoria always starts with new ways to borrow money; this time it was triggered by the Savings & Loan crisis. Volcker’s rocketing interest rates had forced S&Ls to offer double digits to new depositors while only getting back single digits on the old thirty-year mortgages on their books. S&Ls were going under, and getting a mortgage was nearly impossible, so in March 1980, with the banking system and the housing market on the brink, Carter had signed a law to allow them to issue credit cards, invest in commercial real estate, and offer checking accounts in order to stay in business. Reagan then took it a step further with a change that encouraged S&Ls to sell their mortgages in search of higher returns, freeing up a $1 trillion that needed to be invested in something. Which takes us back to Salomon Brothers, where in 1978 one Lew Ranieri had repackaged an old investment product the government had clamped down on during the Depression: A group of home mortgages all backed by government insurance would be bundled together, then sliced into bonds, thus converting the debt some people owed on their homes into an asset for others. Ranieri had been a bit ahead of the curve then—the same high interest rates that killed the S&Ls also made his bonds unattractive—but now deregulation let Salomon buy up the S&Ls’ mortgages at a deep discount, bundle them into bonds, and sell them back to the S&Ls who believed they’d diversified into the bond market when in fact they’d just bought ground meat made out of their own steaks. In June 1983, Salomon Brothers and Freddie Mac together issued the first collateralized mortgage obligation bonds (CMOs), which bundled up debt and cut it into tranches based on the amount of risk: you could choose between ground chuck and ground sirloin. It would be years before technology would allow doing this on a huge scale, but the immediate impact was that all kinds of debt, not just mortgages, were bundled, cut into bonds, and sold: credit card debt, car loans, you name it. Between 1983 and 1988, some $60 billion of CMOs were sold; GM’s financing arm became more profitable than its cars. America began to make debt instead of things. The

Traditional 401(K) or 403(B) Account Typically offered by your employer, a 401(k) account allows you to invest a percentage of your wages for retirement. A 403(b) is the public sector’s equivalent to a 401(k). Investing through a 401(k) or 403(b) is one of the most advantageous ways to invest, since the government is giving you tax breaks. Your employer will sometimes match what you contribute, up to a certain percent. (FreE mONaY!) Remember from our Financial Game Plan that this is the trump card: if you have an employer match, take advantage of it. Maximum yearly contribution: $20,500, which means you can contribute any amount up to that limit. This does not include any employer match, so go crazy. (This and all other retirement account maximums are current for the 2022 tax year.) Individual Retirement Account (IRA) This is an individual retirement account, meaning it’s not tied to your employer. You have to open it up on your own, and it’s yours forever. Good news: you can have both a 401(k) and an IRA! Maximum yearly contribution: $6,000. You technically have fifteen and a half months to contribute that $6,000. The government lets you put money in your IRA during the twelve months of that year, plus the first months of the following year leading up to the tax filing deadline. A little confusing, but stay with me: if you want to contribute to your IRA in 2023, you will have from January to December 2023, plus January to April 15, 2024, to hit that $6,000 max. So, let’s say that you’re rounding out the year of contributions at $4,500. That means you have another three-ish months to get the full $6,000! More time, yay! If we’re already in the new year, and you want the money to specifically go to the previous year’s IRA, you simply need to specify that when you contribute. It’s usually as easy as checking a “previous year” box. Let’s talk about the most common retirement accounts. In addition to the differences above, 401(k) and IRA accounts come in two flavors: traditional and Roth. The main difference between these accounts is in how they’re taxed. In traditional accounts, you won’t pay any taxes on this money until you withdraw it at retirement. You get the tax benefits now. Roth accounts require tax payments now, so you don’t have to pay them later. You get the tax benefits later. In some cases, you can make both traditional and Roth contributions into the same account.

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In some ways, this paradox bears resemblance to the one examined by the sociologist Arlie Russell Hochschild in her 2016 book Strangers in Their Own Land: Anger and Mourning on the American Right. Hochschild traveled to rural Louisiana—where waterways are among the most polluted in the nation—to ask how it is that poor southern whites whose land, water, and bodies have been devastated by industrial toxicity continue to vote for probusiness conservatives committed to deregulation and, hence, environmental destruction.74 In other words, why do poor southern whites undermine their own best interests? Hochschild finds the answer in a complex mix of rural whites’ gratitude for their industrial jobs, their Christian belief that God will ultimately restore any human damage done to the Earth and to their own bodies, and their belief that the government cannot be trusted to help them. Similarly, in attempting to understand the misogyny paradox, we might ask how it is that so many women are investing in straight relationships, when these relationships so often cause them damage? The queer theorist Lauren Berlant’s analysis of “cruel optimism”—the term she uses to describe “the condition of maintaining an attachment to a significantly problematic object”—may be useful here. Berlant asks, “Why do people stay attached to conventional good-life fantasies . . . when the evidence of their instability [and] fragility . . . abound?” People persist in these attachments, Berlant explains, because the fantasy object provides a “sense of what it means to keep on living and looking forward to being in the world.”75

Investment firms are buying up more vacation homes, aiming to cash in on growing demand from tourists and remote workers. Most vacation rental homes are owned by small-time owners who list their properties on websites such as Airbnb Inc., but the number of financial firms investing in the sector is growing. New York-based investment firm Saluda Grade is launching a venture with short-term- rental operator AvantStay Inc. to buy about $500 million of homes, the companies said Tuesday. Saluda Grade said it is also looking to raise debt by selling mortgage bonds backed by its homes to investors, the first vacation-rental mortgage securitization, according to the company. Andes STR, a startup that buys and manages short-term rental homes on behalf of investors, also recently signed a deal with Chilean investment firm WEG Capital to buy roughly $80 million of properties in the U.S., Andes said. These investors are betting they can get higher returns if they rent out homes by the night instead of by the year. Low-interest rates have made it more attractive to borrow and Buy Traditional Rental Homes, inflating property prices and making it harder for new buyers to turn a profit. That has prompted some institutions and wealthy families to look in more obscure corners of the property market where competition is smaller, investment advisers say. Some are turning to investments in vacation homes, where demand has surged in many places during the pandemic as more people choose to work from remote locations and leisure travel heated up last year. “There’s a lot more yield available in the short-term market,” said Saluda Grade’s chief executive, Ryan Craft. It is the latest sign of how the pandemic is changing the way people work and live, and how real-estate investors are angling to find new ways to profit from these shifts. Saluda Grade is targeting homes within driving distance of major population centers, Mr. Craft said. His company will buy the homes and AvantStay will manage them for a fee. But while vacation-rental homes can offer higher returns, they also pose challenges to investors. Mortgages are usually more expensive and harder to get for short-term rentals than for owner-occupied homes, said Giri Devanur, CEO of reAlpha Tech Corp., a startup that wants to pool money from small-time investors to buy short-term-rental homes.

Here is some standard investment advice that is both simple and effective: Think and act for the long term. Ignore the noise. Buy low, sell high. Keep your emotions in check. Don't put all of your eggs in one basket. Stay the course.

Yes, breadth of experience is likely necessary and desirable when you're young - after all, you have to go out there and discover what seems worth investing yourself in. But depth is where the gold is buried. And you have to stay committed to something and go deep to dig it up. That's true in relationships, in a career, in building a great lifestyle - in everything.

Health Done well, fundraising should be an intense experience. You're putting yourself and your company out there, showing up with extreme energy at every meeting, and staying up late to take care of both follow-ups and your existing business. In light of that, it’s important to invest in your health. I suggest implementing the following habits prior to and during your fundraising process: Before: ● Spend considerable time getting healthy and getting your mind and body right. ● If you've stopped exercising, start. ● If you've slipped on your healthy diet, start to get in the flow again. By initiating these habits before you begin fundraising, you’ll make it easier to maintain them during fundraising. Meanwhile, the knock-on effects of a good diet and regular exercise will make fundraising easier as you'll have extra energy.

Short-term stays are a favourite Boomer investment strategy. It’s so easy to throw up a quick demountable at the edge of a driveway and then rent it out for an exorbitant nightly rate.

In the financial version of Sir Isaac Newton’s First Law of Motion, investors at rest tend to stay at rest unless an outside force acts upon them. Instead of taking action whenever necessary, we do nothing whenever possible. We invest by inertia.

People don't know they should be looking for 3000 degrees Kelvin, or what we call warm light. Look at the color rendering index ( CRI ) of a bulb. Choosing bulbs with a CRI close to 100 will keep you and your spaces looking bright and colorful. If we want more wildness in our lives, we have to be willing to let go of some control. Harmony offers visible evidence that someone cares enough about a place to invest energy in it. Disorder has the opposite effect. Disorderly environments have been linked to feelings of powerlessness, fear, anxiety and depression and they exert a subtle, negative influence on people's behavior. Joy is the brain's natural reward for staying alert to correlations and connections in our surroundings. This principle helps explain why collections feel so joyful. Even if the individual items don't have much value, our eyes read a collection as more than the sum of its parts. Surprise has a vital purpose: to quickly redirect our attention. In stable, predictable situations, the parts of the brain that attend to our environment slip into a kind of background mode. Situations rich in ambiguity tend to spur magical thinking. When we witness something mysterious, it disrupts our sense of certainty about the world and our place in it.

NEVER EVER Invest more than you can afford to lose, no matter how tempting the so-called opportunity looks. Some people believe massive risk is the secret to quicker success, misguided by popular media of today. The truth is, a person over-speeding and driving his car at 200 km/per hour may reach the destination quicker, but there is a bigger chance that he will crash and never reach it at all. Drive fast enough to be making significant progress in the journey, but don't drive so fast that you crash and burn. The most important thing is to know YOURSELF, and be aware of what you can or cannot handle emotionally and financially. That is the only way to stay do ANYTHING term without losing your sleep and ruining your health.

The Importance of Bookkeeping Services for Businesses Effective bookkeeping is the foundation of any successful business. It involves the systematic recording, organizing, and managing of a company’s financial transactions. Whether you're a small business owner or running a large corporation, bookkeeping services help ensure that your financial records are accurate, up-to-date, and compliant with regulations. By outsourcing bookkeeping tasks to professionals, businesses can focus on growth and core operations without worrying about financial details. What Is Bookkeeping? Bookkeeping is the process of maintaining accurate records of all financial transactions, including sales, purchases, receipts, and payments. It involves organizing these records into categories like income, expenses, assets, and liabilities. The information generated through bookkeeping is essential for creating financial statements, tax filings, and understanding the overall financial health of the business. However, managing these tasks manually can be time-consuming and prone to errors, which is why many businesses opt for professional bookkeeping services. Benefits of Professional Bookkeeping Services One of the key benefits of hiring professional bookkeeping services is the accuracy they bring to financial management. Experienced bookkeepers are well-versed in the latest accounting software and financial regulations, ensuring that all records are kept accurately and consistently. Additionally, outsourcing this task allows business owners to save time and focus on other aspects of their business. As a result, they can make better financial decisions based on reliable data. Improved Financial Reporting Accurate bookkeeping leads to better financial reporting, which is critical for making informed business decisions. By keeping detailed and organized records, bookkeepers provide valuable insights into cash flow, profitability, and expenses. This allows businesses to plan their budgets more effectively, track financial performance, and identify areas for cost-saving or investment. Tax Compliance and Preparation Another important advantage of bookkeeping services is the ability to stay compliant with tax regulations. Bookkeepers ensure that all financial records are properly maintained and ready for tax season. With accurate and up-to-date records, businesses can avoid penalties and reduce the risk of audits, making tax preparation much smoother. In conclusion, professional bookkeeping services offer businesses the support they need to manage their financial records accurately and efficiently. By ensuring proper financial reporting and tax compliance, these services contribute to long-term financial stability and growth.

The Importance of Bookkeeping Services for Doctors Managing the financial side of a medical practice can be challenging for doctors, as they are often focused on providing quality patient care. However, maintaining accurate financial records is essential for the success of any healthcare practice. Bookkeeping services tailored specifically for doctors help ensure that their financial transactions are organized, compliant, and manageable, allowing them to focus on what they do best—caring for patients. Why Doctors Need Specialized Bookkeeping Services Doctors face unique financial complexities, such as billing for medical services, managing insurance claims, handling payroll for staff, and keeping track of medical supplies and equipment. Additionally, they must ensure compliance with healthcare regulations and tax laws. Professional bookkeeping services designed for doctors take these unique needs into account, helping physicians streamline their financial operations. As a result, they can avoid errors, reduce administrative burdens, and improve cash flow. Accurate Billing and Cash Flow Management One of the key challenges doctors face is managing billing and cash flow. With a constant flow of patients and complex insurance claims, maintaining an accurate record of all transactions is essential. Bookkeeping services ensure that billing is handled efficiently, minimizing delays in receiving payments. This service also helps manage insurance claims, reducing errors that could lead to delayed reimbursements. By keeping track of revenue and expenses, bookkeepers ensure that doctors maintain a healthy cash flow. Tax Compliance and Planning Doctors often qualify for specific tax deductions related to medical equipment, staff salaries, and office expenses. However, navigating the complexities of healthcare tax regulations can be difficult. Bookkeeping services help doctors stay compliant by keeping their financial records organized and accurate, making it easier to file taxes and take advantage of available deductions. Additionally, bookkeepers can assist in planning for tax obligations throughout the year, ensuring that there are no surprises during tax season. Financial Reporting for Growth Bookkeeping services also provide doctors with valuable financial reports that offer insights into their practice’s performance. By analyzing income, expenses, and cash flow trends, doctors can make more informed decisions about expanding services, hiring staff, or investing in new equipment. These reports give a clear picture of the financial health of the practice, enabling better long-term planning. In conclusion, specialized bookkeeping services for doctors are essential for maintaining accurate financial records, ensuring tax compliance, and improving cash flow. By outsourcing bookkeeping tasks, doctors can focus more on patient care while gaining peace of mind that their financials are in order.

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By learning to stay, we become very familiar with this place, and gradually, gradually, it loses its threat. Instead of scratching, we stay present. We’re no longer invested in constantly trying to move away from insecurity. We think that facing our demons is reliving some traumatic event or discovering for sure that we’re worthless. But, in fact, it is just abiding with the uneasy, disquieting sensation of nowhere-to-run and finding that—guess what?—we don’t die; we don’t collapse. In fact, we feel profound relief and freedom.

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A successful investor is one who holds on for the long term and continues to monitor the fundamental story, and if it remains in place you stay, and if not you move on.

success is solely the result of its slow-and-steady approach to growth and expansion. Walmart has undoubtedly flourished for many reasons. Apart from Sam Walton being the founder, though, I don’t know what other factors have led to its success. I can rattle off a list of things from various business books and articles written on Walmart, but I don’t know if they were the cause or the effect of its success. But I do know that taking calculated risks and staying robustly healthy have had a strong correlation with its accomplishments over sixty years.

It has changed without changing. This is what we seek as owners in our businesses: the ability to keep evolving while staying robust.

Short of inheriting or marrying wealth, the surest way to become rich is to save all you can and invest it for long-term growth. If you save at least 10% of each paycheck and earn a 7% annual return, it will take just over 30 years to grow your nest egg to equal 10 years of income. You can then quit work and, with a little kick from Social Security, stay at approximately the same standard of living for the rest of your life.

When we reached the last room, I asked Katy which picture was her favorite. She led me back to the one that had stumped her in the synonym department. Her sister, Emily, who’s fourteen and had been off wandering through the Met’s collection of European paintings, then showed me her favorite piece in the museum: a Monet water lily (the first she’d ever seen) from 1919. This is when I let each girl in on a secret: It can be yours. No different from falling in love with a song, one may fall in love with a work of art and claim it as one’s own. Ownership does not come free. One must spend time with it; visit at different times of the day or evening; and bring to it one’s full attention. The investment will be repaid as one discovers something new with each viewing—say, a detail in the background, a person nearly cropped from the picture frame, or a tiny patch of canvas left unpainted, deliberately so, one may assume, as if to remind you not to take all the painted parts for granted. This is true not just for New Yorkers but for anyone anywhere with art to be visited—art being a relative term, in my definition. Your Monet may, in fact, be an unpolished gemstone or mineral element. Natural history museums are filled with beauties fairly begging to be adopted. Stay alert. Next time a tattered Egyptian mummy speaks to you across the ages, don’t walk away. Stay awhile. Spend some time with it. Give it a proper name: Yours. But don’t be hasty. You must be sure you are besotted. When it happens, you will know.

In the conclusion to his letter to the Post’s owner, Buffett therefore laid out his recommendations: Either stay the course with a bunch of big, mainstream professional fund managers and accept that the newspaper’s pension fund would likely do slightly worse than the market; find smaller, specialized investment managers who were more likely to be able to beat the market; or simply build a broad, diversified portfolio of stocks that mirrored the entire market. Buffett obliquely noted that “several funds have been established fairly recently to duplicate the averages, quite explicitly embodying the principle that no management is cheaper, and slightly better than average paid management after transaction costs.

Life is too short for bad vibes and lukewarm coffee. Surround yourself with people who lift you higher and invest in a good coffee maker. After all, why settle for mediocrity when you can have an espresso shot of excellence in every cup? Embrace the bold flavors of life, kick negativity to the curb, and savor the rich aroma of success. Remember, you’re the barista of your own destiny, so brew it strong and make it count!

So it is with corporations. No matter how broad-minded we are, how dedicated to equal opportunity, we tend to hire and promote “our kind of people.” When morally derelict men get to the top of great corporations and stay there for a period of years, the evil they do does indeed live after

Some products have a very high CLTV. For example, credit card customers tend to stay loyal for a very long time and are worth a bundle. Hence, credit card companies are willing to spend a considerable amount of money acquiring new customers. This explains why you receive so many promotional offers, ranging from free gifts to airline bonus miles, to entice you to add another card or upgrade your current one. Your potential CLTV justifies a credit card company’s marketing investment.

GoPro is essentially a lifestyle company more than a camera company. It relies on early adopters to live up to its marketing promises, at least enough to convince the larger market of nonextreme consumers that it’s possible that we too could “be a hero” and “go Pro.” Their exploits make GoPro seem an opportune investment for the once-a-year vacation surfer who wants to ensure that the evidence of their own occasional daring will stand out. It’s a consumer-aggrandizing ad approach perfected by the likes of Mountain Dew and Monster Energy. Only in GoPro’s case, the product actually creates the marketing materials. But for GoPro to sustain its meteoric rise, the company cannot remain relegated to extreme sports for long. To continue to grow the company will have to try to expand the meaning of heroism. The cameras won’t stay on surfboards and mountain bikes for long. The company is already featuring family footage, concerts, and more on YouTube, pushing its lenses into the everyday. The founder has filmed the birth of his baby with a GoPro strapped to his head.

Top brands stayed on top because of the continual investment and commitment of the manufacturers during a time when mass media gave them an affordable and highly effective route to the consumers’ minds. They were able to defend their positions because they could afford more R & D, more advertising and a bigger sales force than any interlopers. Manufacturers became used to the idea of owning space in the consumer’s mind and believed it was theirs by right. But brand mindspace is not a permanently acquired asset that continually delivers profits. Rather, it represents a position that must be continually defended, especially today, where competition from retailers comes as a shock to most manufacturers.

So, we will camp here? Has anyone scouted the area? You’re sure it’s safe?” “Swift Antelope and Red Buffalo checked for trackers last night and this morning. As crazy as it sounds, Red Buffalo claims the girl’s ap hasn’t even gone for help yet.” “He’s such a coward, he’s probably waiting to be sure we’re gone. I’m surprised his women haven’t ridden to the fort for help. They are by far the better fighters.” Scarcely aware he was doing it, Hunter feathered his thumb back and forth on the girl’s arm, careful not to press too hard because of her burn. She was as silken as rabbit fur. Glancing down, he saw that her skin was dusted with fine, golden hair, noticeable now only because her sunburn formed a dark backdrop. Fascinated, he touched a fingertip to the fuzz. In the sunshine she glistened as though someone had sprinkled her with gold dust. “Swift Antelope still hasn’t stopped talking about the younger one,” Warrior said. “Her courage impressed him so much, I think he may be smitten. I have to admit, though, once you get used to looking at them, the golden hair and blue eyes grow on you.” “Maybe you should take her across the river and sell her, eh?” “I could double my investment.” With a grin, Hunter pulled the robe back over her. She reacted by shrinking away from him, and he gave a disgusted snort. “She must think we’re hungry and she’s going to be breakfast.” “Speaking of which, are you going to feed her?” “In an hour or so. If we’re staying here today, I can go back to sleep.” He drew his knife and cut the leather on Loretta’s wrists. “Wake me if the sun gets on her, eh?” “You’d better keep her tied.” “Why?” A yawn stretched Hunter’s dark face. “Because she’s looking skittish.” “She’s naked.” Sheathing his knife, Hunter flopped on his back and shaded his eyes with one arm. “She won’t run. Not without clothes. I’ve never seen such a bashful female.” “The tosi tivo truss up their females in so many clothes, it would take a whole sleep just to undress one. Then they have them wear breeches under the lot. How do they manage to have so many children? I’d be so tired by the time I found skin, I’d never get anything else done.” “You’d think of something,” Hunter said with a chuckle.

The report by the Community Service Society cites an official of the New York City Board of Education who remarks that there is “no point” in putting further money “into some poor districts” because, in his belief, “new teachers would not stay there.” But the report observes that, in an instance where beginning teacher salaries were raised by nearly half, “that problem largely disappeared”—another interesting reminder of the difference money makes when we are willing to invest it. Nonetheless, says the report, “the perception that the poorest districts are beyond help still remains.…” Perhaps the worst result of such beliefs, says the report, is the message that resources would be “wasted on poor children.” This message “trickles down to districts, schools, and classrooms.” Children hear and understand this theme—they are poor investments—and behave accordingly. If society’s resources would be wasted on their destinies, perhaps their own determination would be wasted too. “Expectations are a powerful force …,” the CSS observes.

were not only healthier but also less likely to report having been abused or neglected than a similar group whose mothers had not been visited. They also were more likely to have finished school, to have stayed out of jail, and to be working in well-paying jobs. Economists have calculated that every dollar invested in high-quality home visitation, day care, and preschool programs results in seven dollars of savings on welfare payments, health-care costs, substance-abuse treatment, and incarceration, plus higher tax revenues due to better-paying jobs. 37

As I reflect on the memories of my own children and the young people of our church who are now grown, one truth remains certain in my mind: we never regret the investments we make into the next generation. Whether we make a difference for our own children or for the children in our church and community, the time, prayer, and labor we invest in young lives will reap great dividends as we stay faithful to the Lord.

However, if your agenda is truly to serve, your ROI (return on investment) will substantially expand. As we know from the "Law of Reciprocity," what you give is what you get. If you are helping people only to see what you can get out of it, your pie stays small and your opportunities stay limited. However, if you sincerely want to help people succeed, you will not only enjoy more success, but expand your possibilities beyond your expectations. Once you see the benefits from all directions, you will not want it any other way!

What worked, GAO found, was strong leadership commitment, investment in the capacity needed to get the job done, careful monitoring of results, and a commitment to stay with the problems until they were solved. Investment in government’s capacity, and careful attention to key details, demonstrated that failure is not the only option. But success builds on people power.

Maybe that's what happens when you invest so much of yourself in something: whether it is a person or a place, your soul is loath to leave it. I looked for Danny's outline on those hills and thought maybe his ghost or spirit was still here, looking over the place that had been his. Maybe you stayed until you realized it wasn't yours anymore and then you went on your way.

America is one of the last places left on earth where every citizen, until the day he or she dies, is exposed to the risk of personal bankruptcy because of illness or disease. It does not matter how industrious we are, how carefully we save and invest, or how moral we are in our personal and family life. We are all just one long hospital stay away from losing everything.

They say that the biggest opportunities are often outside of most people’s comfort zones. The juiciest market returns are where very few are willing to go. Momentum investing is the ultimate contrarian approach. How many investors would venture to buy a stock that is already up 50% in the past six months? Psychologically, it is a lot harder to buy in this situation than to sell, isn’t it?   How ridiculous does it sound that stocks that went up 50% in the past six months are likely to outperform in the next six months? Stock picking cannot be that easy, right? There has to be some complicated formula that takes into account hundreds of different criteria in order to have a chance at outperforming the market. Sometimes the most effective methods are the simplest. Most people stay away from them exactly because they seem too simple to work. There is nothing magic about using past performance to select future winners. It is all about simple math.   What

staying out of wars and political confrontations and zeroing in on business—its global influence far exceeds its existing economic strength. Nations do not fear China’s military might; they fear its ability to give or withhold trade and investments.”2

The process of intelligently building a portfolio consists of buying the best investments, making room for them by selling lesser ones, and staying clear of the worst.

Planet Earth has rules that can’t be broken, no matter how rich or poor you are. You either have a nine to five job, you’re an artist constantly producing art, you’re a businessman, or you stay home cleaning and taking care of children. And no matter if you’re a man or a woman, the same rule applies to you. You break it, and life breaks you.

Your expenses grow to match your income. As the decades pass and you realize that no, you’re not going to save the world, the money becomes a more and more important part of the justification. And when you have kids, you’re stuck; it’s much easier to deprive yourself of money (and what it buys) than to deprive your children of money. More important, you internalize the rationalizations for the work you are doing. It’s easier to think that underwriting new debt offerings really is saving the world than to think that you are underwriting new debt offerings, because of the money, instead of saving the world. And this goes for many walks of life. It’s easier for college professors to think that, by training the next generation of young minds (or, even more improbably, writing papers on esoteric subjects), they are changing the world than to think that they are teaching and researching instead of changing the world. Sure, there are self-parodying, economically delusional, psychotherapy-needing, despicable people on Wall Street . . . but there are also a lot of people who went there because it was easy and stayed because they decided they couldn’t afford not to and talked themselves into it. A college student asked me at a book talk what I thought about undergraduates who go work on Wall Street. And individually, I have nothing against them, although I do think they should do their best to keep their expenses down so they will be able to switch careers later. But as a system, it’s a bad thing that a small handful of highly profitable firms are able to invest those profits into skimming off some of the top students at American universities—universities that, even if nominally private, are partially funded by taxpayer money in the form of research grants and federal subsidies for student loans—and absorbing them into the banking-consulting-lawyering Borg.7

The modern Berkshire Hathaway that he had created churned out new beads for the rosary almost like a clockwork. Buffett’s hunt for things to buy had become more ambitious, free of the cigar butts and lawsuits of the decades before. The great engine of compounding worked as a servant on his behalf, at exponential speed and under the gathering approval of a public gaze. The method was the same: estimate an investment’s intrinsic value, handicap its risk, buy using margin of safety, concentrate, stay in the circle of competence, let it roll as compounding did the work. Anyone could understand these simple ideas, but few could execute them. Even though Buffett made the process look effortless, the technique and discipline underlying it actually did involve an enormous amount of work for him and his employees. As

It is extremely important to stay away from stocks that are being heavily traded by institutional traders.

Stay natural, rather than investing time to impress people around and to come in their good books.

As a rule, women make better investors than men. When women become investors, they generally devise a plan, and then they stick to it. In a word, they “ commit.” Men, on the other hand…well, we've all heard that dreaded phrase “ fear of commitment,” haven't we? Rather than stay with a great, solid investment, men often get bored and start looking around for the next “ hot thing.” My experience is that women simply do not do this. As a rule, women who invest tend to be wary of so-called hot tips. Not many men

A long-term temperament as well as long-term circumstances A Japanese man went into a bank to change some Japanese notes into sterling. He was surprised at how little he got. “Please explain,” he said to the cashier. “Yesterday I was changing same yen for sterling and I received many more sterling. Why is this?” The cashier shrugged his shoulders. “Fluctuations,” he explained. The Japanese man was aghast. “And fluck you bloody Europeans too,” he responded, grabbed the notes, and walked out. Fluctuations matter if the money could be needed soon. Money invested in equities must not be money which will be wanted in a year or two, or might be urgently wanted at any time, because there is a fair chance that the moment when it is needed will be a bad one for the stock market and the investor will therefore be selling at low prices. If investors think they might need the money soon, the message is clearly stay away: the chance of a minus return is just too great. Even if investors are in a position to allocate a fair amount to equities, they should not necessarily do so. It is not enough that the circumstances are right. Investors need to be temperamentally inclined to the sort of long-term investment which equities are. Long-termness must be subjective as well as objective. The fact that the circumstances of a particular investor might objectively lead to a certain viewpoint does not mean that he or she necessarily has that viewpoint. A baby is in an objective position to take a long-term view, but will not actually look beyond the next feeding-time.

Janet Yellen wants to have inflation of at least 2%. Well, even at 2%, every ten years you lose 20% of the value of your money. How do you prevent that? Invest your money in equities to stay ahead of inflation, and hopefully above that you’ll get 5, 6, 7% growth.

Striving for balance forces a leader to invest time and energy in aspects of leadership where he will never succeed. It is not realistic to strive for balance within the sphere of our personal leadership abilities. …discover your zone and stay there. Then delegate everything else.

In the end, Mockler and the board were proved right, stunningly so. If a shareflipper had accepted the 44 percent price premium offered by Ronald Perelman on October 31, 1986, and then invested the full amount in the general market for ten years, through the end of 1996, he would have come out three times worse off than a shareholder who had stayed with Mockler and Gillette.20 Indeed, the company, its customers, and the shareholders would have been ill served had Mockler capitulated to the raiders, pocketed his millions, and retired to a life of leisure.

Realty investing is something you can assist to variety your profile more varied. Putting your cost savings into structures and land can provide you expanded your financial investments over even more sectors besides simply bonds and stocks. Continue reading to find out properly to buy investor. When choosing to purchase realty, make it expert by establishing an LLC. This will assist to shield both you personally and the financial investments that you make in the future. It can likewise provide you tax advantages thanks to your company negotiations. Constantly get a great feel of the neighborhood values resemble. Home loans and rental costs in communities that are regional will provide you a home is worth. Be particular you invest adequate time on business as well as discovering about exactly how it works. You need to budget plan your time invested on various other activities in order to make even more cash over the long run. Ditch the poker night or an additional guilty satisfaction so you have even more time to sharpen your investing abilities. Stick with niches you feel comfy handling. You will discover more success by adhering to a specific market sector. Whether you prepare to flip a residence, purchase or buy a rental home repossession, stay with exactly what you understand for success. Get to understand others in genuine estate market. It can be practical to have a couple of buddies who understand about investing in genuine estate. Troubles with lessees could take in a large amount of time. This presumption is harmful in the genuine estate market and any specific home. Your finest bet is to invest in things that supply a favorable money flow right away. Land near water or in the future. If you buy a home with the objective of leasing it out, be cautious of who you let lease it. If they can not get their cash together at this time, they aren't a trusted bet for you. When thinking about a big factor to consider for buying genuine estate, Area is critical. Consider the location you are deciding to purchase and the possible capacity. Make sure you are a great bookkeeper. You will conserve yourself a significant headache later on if you're excellent accounting now. You can find info about city planning information and various other details that could affect genuine estate values in the future. A growing city that's growing is an excellent financial investment. When attempting to get that next offer, never ever over-leverage yourself. You should keep money on reserve in case the unanticipated expenditures. Begin little with simply one home. Start with a single home and discover as you desire to make use of. Realty is a wonderful method to branch out. There are particular guidelines you need to comprehend. Use this short article when you begin to invest into genuine estate in order to end up being effective in it. Continue reading to discover the right means to invest in luxury condos miami financier. When choosing to invest in genuine estate, make it expert by setting up an LLC. Get to understand others in genuine estate market. It can be valuable to have a couple of pals who understand about investing in genuine estate. Use this post when you begin to invest into genuine estate in order to end up being effective in it.

One positive move would be for managers to seek out qualified female candidates to hire and promote. They can also invest more in the recruiting of these female candidates plus their mentoring and helping them get the experience they need. The battle between the stay-at-home moms and the career moms needs to stop. Each group should stop judging each other and causing guilt trips. Those women who have decided to stay at home and raise a family should not be looked down upon by the career women. Career women with families need not feel like the stay-at-home mothers and feminism both are making them feel guilty. Each group needs to be respectful of the other and their contributions. As more women attain senior positions of leadership, things will change. These women will raise the ceiling and the floor. This book was written to encourage women to dream big. It is also hoped that men will do their part to support women in their careers and in the workplace. While many women may not be focused on getting to the top, if more women lean in then conditions for all women will improve. Sheryl Sandberg looks forward to a world where her children and others, both boys and girls, will be able to make the choice of what to do with their lives without obstacles, both internal and external, slowing them down.

stay diversified, keep expenses low, have a plan, save and invest early and often.

We all need affirmation, but accepting accolades in an undisciplined way can lead to grandiosity, an inflated view of yourself and your cause. People may invest you with magic, and you can begin to think you have it. The higher the level of distress, the greater are people’s hopes and expectations that you can provide deliverance. They may put too much faith in you.

You gotta be a five-crore company with 50 lakh profit. To migrate from this orbit to that orbit, you need funding because there will be losses in the interim. Without those investments, you can’t migrate from orbit ‘A’ to orbit ‘B’.

A quick call was made to the investment bankers. “We told them, look, we have changed our minds. They said, fantastic, great! Why don’t you write a business plan? We quickly put together our business plan, which now looks very embarrassing.

If a 20% or 30% drop in the market value of your equity holdings (such as BPL) is going to produce emotional or financial distress, you should simply avoid common stock type investments. In the words of the poet—Harry Truman—“If you can’t stand the heat, stay out of the kitchen.” It is preferable, of course, to consider the problem before you enter the “kitchen.

I once read about this interrogation tactic in which you break the person's will in steps so small they don't even realize it's happening. Here's how it works: Imagine a suspect sitting in a police station, refusing to talk. Ask them something about the crime, they're going to stay silent. But, instead, ask them if they'd like a glass of water and they're likely to answer. Because not answering a simple question like that seems unreasonable -- it's a question unconnected to the reason they're at the police station, so what's the harm? Except now they've broken their vow not to speak. So getting them to break it again isn't as difficult. It's no longer about whether the suspect is going to talk or not, it's about what information the suspect will be willing to share. Suddenly, the playing field has shifted. It's like this: Ask someone to run a marathon, and they're likely to say no. But ask them to take one step and they usually will. Because taking that one step is no big deal. Then ask them to take another step and same thing. And once they've taken a dozen steps they're invested. You can get them through an entire marathon that way.

You can start your own security services consulting business if you've got interests that you might really have and you want to share. Prior to you decide on a career, evaluate your talents, interests and hobbies to find the proper path. You have to make a security services specialist strategy prior to looking for customers or accepting clients. If you need some suggestions on how to get started, read on. As you begin your first internet security services consulting business, remain focused and exercise patience as it can sometimes take months before you begin receiving customers who're willing to pay for your services. The success of your security services specialist will depend on how much of your own time, energy and resources you're prepared to invest when you first open your security services specialist. During the very first early quiet period, be sure to stay focused on your goals. A security services specialist can fail when the owner gets impatient and doesn't stay focused on expanding and growing their security services consulting business.

Use the help and assistance of established DUI lawyer can make a big difference in a serious condition, and the use of reduced rates. The only case that someone released from prison himself, and then the knowledge of the DUI lawyer with technical assistance and information to others, even if the cable so less complicated development. You can still feel tired a lot of investment and the patient. You need to understand their rights fully, when interacting with the police. The same is not required to provide information to anyone other than simple attraction and proof of price actually give an automatic Build your account is fully justified. Sam blew not include the address of the record or sober living. This is justified by a number of twists and turns, it s just a matter back on the price, you should be comfortable and composed. It is connected to a DUI attorney, this is the season I felt the same need to comply with an empty surface and give yourself a step forward in the same action to give away crime, this time. According to the law can not be determined without a legal occupational exposure. This can, as soon as the possibility to create and prepare to pass the police stress test. After struggling lawyer of any sort is DUI lawyer really comprehensive study is required. Defend Understanding effectively contain legally questionable and even during the resource space, the buyer have made impressively familiarized with its functions, avoided. Perhaps the perception of close friends and family, including experienced that could lead to maintaining the contribution of different streams, to be very strong. If you own lawyers include visits to other matters deemed to be a basic or a crime are not willing to work necessarily mean that employees who DUI cases lawyers are required to be successful. With a little attention and trained information and events DUI attorney you can afford is ready to protect a number of problems. Instructions for the process of DUI can be difficult to inspire before the draw certification or significant delays due dates for some countries to write their own. Help could abruptly once made available, as the price does not necessarily mean the difference between staying enthusiastic driving under the influence of alcohol or other manufactured products prices without crime.

As long as we have plenty of food, our bodies are mainly interested in growing, having sex, and reproducing. Nature has no long-term plans for us; she does not invest in our old age. Once we’ve reproduced, we become disposable. So what happens if you decide to fast? Well, the body’s initial reaction is one of shock. Signals go to the brain reminding you that you are hungry, urging you to go out and find something to eat. But you resist. The body now decides that the reason you are not eating as much and as frequently as you usually do must be because you are now in a famine situation. In the past this would have been quite normal. In a famine situation, there is no point in expending energy on growth or sex. Instead, the wisest thing the body can do is to spend its precious store of energy on repair, trying to keep you in reasonable shape until the good times return once more.

As a result of all these difficulties, [the solution to the mode of] the division of the fields must be sought exclusively in religion. For when men are ferocious and wild, and their only equality consists in the equality of their ferocious and wild natures, should they ever have united without the force of arms or the rule of law, the only possible way in which they can have done so is through belief in the force and strength of a nature superior to anything human and through the idea that this superior force has constrained them to unite. This leads us led to meditate on the long and deceptive labour of Providence, whereby those of Grotius’s simpletons who were more awakened from their stupor, were roused by the first thunderbolts after the Flood and took them to be the warnings of a divinity who was the product of their own imagination. Hence they occupied the first empty lands, where they stayed with certain women and, having settled on them, begot certain races, buried their dead and, on specific occasions afforded them by religion, burnt the forests, ploughed the land and sowed it with wheat. Thus they laid down the boundaries of the fields, investing them with fierce superstitions through which, in ferocious defence of their clans, they defended them with the blood of the impious vagabonds who came, divided and alone, for they lacked any under standing of the strength of society, to steal the wheat, and were killed in the course of their theft.

As a result of all these difficulties, [the solution to the mode of] the division of the fields must be sought exclusively in religion. For when men are ferocious and wild, and their only equality consists in the equality of their ferocious and wild natures, should they ever have united without the force of arms or the rule of law, the only possible way in which they can have done so is through belief in the force and strength of a nature superior to anything human and through the idea that this superior force has constrained them to unite. This leads us led to meditate on the long and deceptive labour of Providence, whereby those of Grotius’s simpletons who were more awakened from their stupor, were roused by the first thunderbolts after the Flood and took them to be the warnings of a divinity who was the product of their own imagination. Hence they occupied the first empty lands, where they stayed with certain women and, having settled on them, begot certain races, buried their dead and, on specific occasions afforded them by religion, burnt the forests, ploughed the land and sowed it with wheat. Thus they laid down the boundaries of the fields, investing them with fierce superstitions through which, in ferocious defence of their clans, they defended them with the blood of the impious vagabonds who came, divided and alone, for they lacked any under standing of the strength of society, to steal the wheat, and were killed in the course of their theft.

for several years starting in 2004, Bezos visited iRobot’s offices, participated in strategy sessions held at places like the Massachusetts Institute of Technology , and became a mentor to iRobot chief executive Colin Angle, who cofounded the company in 1990. “He recognized early on that robots were a very disruptive game-changer,’’ Angle says of Bezos. “His curiosity about our space led to a very cool period of time where I could count upon him for a unique perspective.’’ Bezos is no longer actively advising the company, but his impact on the local tech scene has only grown larger. In 2008, Bezos’ investment firm provided initial funding for Rethink Robotics, a Boston company that makes simple-to-program manufacturing robots. Four years later, Amazon paid $775 million for North Reading-based Kiva, which makes robots that transport merchandise in warehouses. Also in 2012, Amazon opened a research and software development outpost in Cambridge that has done work on consumer electronics products like the Echo, a Wi-Fi-connected speaker that responds to voice commands. Rodney Brooks, an iRobot cofounder who is now chief technology officer of Rethink, says he met Bezos at the annual TED Conference. Bezos was aware of work that Brooks, a professor emeritus at MIT, had done on robot navigation and control strategies. Helen Greiner, the third cofounder of iRobot, says she met Bezos at a different technology conference, in 2004. Shortly after that, she recruited him as an adviser to iRobot. Bezos also made an investment in the company, which was privately held at the time. “He gave me a number of memorable insights,’’ Angle says. “He said, ‘Just because you won a bet doesn’t mean it was a good bet.’ Roomba might have been lucky. He was challenging us to think hard about where we were going and how to leverage our success.’’ On visits to iRobot, Greiner recalls, “he’d shake everyone’s hand and learn their names. He got them engaged.’’ She says one of the key pieces of advice Bezos supplied was about the value of open APIs — the application programming interfaces that allow other software developers to write software that talks to a product like the Roomba, expanding its functionality. The advice was followed. (Amazon also offers a range of APIs that help developers build things for its products.) By spending time with iRobot, Bezos gave employees a sense they were on the right track. “We were all believers that robotics would be huge,’’ says former iRobot exec Tom Ryden. “But when someone like that comes along and pays attention, it’s a big deal.’’ Angle says that Bezos was an adviser “in a very formative, important moment in our history,’’ and while they discussed “ideas about what practical robots could do, and what they could be,’’ Angle doesn’t want to speculate about what, exactly, Bezos gleaned from the affiliation. But Greiner says she believes “there was learning on both sides. We already had a successful consumer product with Roomba, and he had not yet launched the Kindle. He was learning from us about successful consumer products and robotics.’’ (Unfortunately, Bezos and Amazon’s public relations department would not comment.) The relationship trailed off around 2007 as Bezos got busier — right around when Amazon launched the Kindle, Greiner says. Since then, Bezos and Amazon have stayed mum about most of their activity in the state. His Bezos Expeditions investment team is still an investor in Rethink, which earlier this month announced its second product, a $29,000, one-armed robot called Sawyer that can do precise tasks, such as testing circuit boards. The warehouse-focused Kiva Systems group has been on a hiring tear, and now employs more than 500 people, according to LinkedIn. In December, Amazon said that it had 15,000 of the squat orange Kiva robots moving around racks of merchandise in 10 of its 50 distribution centers. Greiner left iRo

Here’s a great test. Take a moment and give me your best answer to this question: Suppose you’re putting $1,000 a year into an index fund for five years. Which of these two indexes do you think would be better for you? Example 1 • The index stays at $100 per share for the first year. • It goes down to $60 the next year. • It stays at $60 the third year. • Then in the fourth year, it shoots up to $140. • In the fifth year, it ends up at $100, the same place where you started. Example 2 • The market is at $100 the first year. • $110 the second year. • $120 the third. • $130 the fourth, and • $140 the fifth year. So, which index do you think ends up making you the most money after five years? Your instincts might tell you that you’d do better in the second scenario, with steady gains, but you’d be wrong. You can actually make higher returns by investing regularly in a volatile stock market. Think about it for a moment: in example 1, by investing the same amount of dollars, you actually get to buy more shares when the index was cheaper at $60, so you owned more of the market when the price went back up! Here’s Burt Malkiel’s

On one occasion, when in New York City, I was in the night season called upon to behold buildings rising story after story toward heaven. These buildings were warranted to be fireproof, and they were erected to glorify their owners and builders. Higher and still higher these buildings rose, and in them the most costly material was used. Those to whom these buildings belonged were not asking themselves: "How can we best glorify God?" The Lord was not in their thoughts. {9T 12.1} I thought: "Oh, that those who are thus investing their means could see their course as God sees it! They are piling up magnificent buildings, but how foolish in the sight of the Ruler of the universe is their planning and devising. They are not studying with all the powers of heart and mind how they may glorify God. They have lost sight of this, the first duty of man." {9T 12.2} As these lofty buildings went up, the owners rejoiced with ambitious pride that they had money to use in gratifying self and provoking the envy of their neighbors. Much of the money that they thus invested had been obtained through exaction, through grinding down the poor. They forgot that in heaven an account of every business transaction is kept; every unjust deal, every fraudulent act, is there recorded. The time is coming when in their fraud and insolence men will reach a point that the Lord will not permit them to pass, and they will learn that there is a limit to the forbearance of Jehovah. {9T 12.3} The scene that next passed before me was an alarm of fire. Men looked at the lofty and supposedly fire-proof buildings and said: "They are perfectly safe." But these buildings were consumed as if made of pitch. The fire engines could do nothing to stay the destruction. The firemen were unable to operate the engines. {9T 13.1}

The p/e ratio can be thought of as the number of years it will take the company to earn back the amount of your initial investment—assuming, of course, that the company’s earnings stay constant.

In America today, only about 16% of all churches across every denomination have a significant young adult population.

Bottom line: young adults are leaving the church and may not be coming back.