These Are Investments From The Past Quotes

A true revolution of values will soon cause us to question the fairness and justice of many of our past and present policies. ... A true revolution of values will soon look uneasily on the glaring contrast of poverty and wealth. With righteous indignation, it will look across the seas and see individual capitalists of the West investing huge sums of money in Asia, Africa, and South America, only to take the profits out with no concern for the social betterment of the countries, and say, "This is not just." It will look at our alliance with the landed gentry of South America and say, "This is not just." The Western arrogance of feeling that it has everything to teach others and nothing to learn from them is not just.

When unions get higher wages for their members by restricting entry into an occupation, those higher wages are at the expense of other workers who find their opportunities reduced. When government pays its employees higher wages, those higher wages are at the expense of the taxpayer. But when workers get higher wages and better working conditions through the free market, when they get raises by firm competing with one another for the best workers, by workers competing with one another for the best jobs, those higher wages are at nobody's expense. They can only come from higher productivity, greater capital investment, more widely diffused skills. The whole pie is bigger - there's more for the worker, but there's also more for the employer, the investor, the consumer, and even the tax collector. That's the way the free market system distributes the fruits of economic progress among all people. That's the secret of the enormous improvements in the conditions of the working person over the past two centuries.

When the middle classes get passionate about politics, they're arguing about their treats—their tax breaks and their investments. When the poor get passionate about politics, they're fighting for their lives. Politics will always mean more to the poor. Always. That's why we strike and march, and despair when our young say they won't vote. That's why the poor are seen as more vital, more animalistic. No classical music for us—no walking around National Trust properties or buying reclaimed flooring. We don't have nostalgia. We don't do yesterday. We can't bear it. We don't want to be reminded of our past, because it was awful: dying in means, and slums, without literacy, or the vote. Without dignity. It was all so desperate then. That's why the present and the future is for the poor—that's the place in time for us: surviving now, hoping for better later. We live now—for our instant, hot, fast treats, to pep us up: sugar, a cigarette, a new fast song on the radio. You must never, never forget when you talk to someone poor, that it takes ten times the effort to get anywhere from a bad post code. It's a miracle when someone from a bad post code gets anywhere, son. A miracle they do anything at all.

Have you ever thought of life this way? That’s how it can become productive and ever-exciting. Don’t just live another year. Instead, gather up the years and invest them in the next one. Don’t just have another conversation. Instead, gather up all your past conversations and invest them in your next one.

One builds one's life in consistency; one invests it with the belief, however unsupported by reality, that one has always been what one is now, that even in one's distant past one could recognize the seed from which this doomed flower has bloomed.

We want something that’s very passionate, or boiling, from the get-go. In the past, people weren’t looking for something boiling; they just needed some water. Once they found it and committed to a life together, they did their best to heat things up. Now, if things aren’t boiling, committing to marriage seems premature. But searching for a soul mate takes a long time and requires enormous emotional investment. The problem is that this search for the perfect person can generate a lot of stress. Younger generations face immense pressure to find the “perfect person” that simply didn’t exist in the past when “good enough” was good enough.

1. Myth: Without God, life has no meaning. There are 1.2 billion Chinese who have no predominant religion, and 1 billion people in India who are predominantly Hindu. And 65% of Japan's 127 million people claim to be non-believers. It is laughable to suggest that none of these billions of people are leading meaningful lives. 2. Myth: Prayer works. Studies have now shown that inter-cessionary prayer has no effect whatsoever of the health or well-being of the subject. 3. Myth: Atheists are immoral. There are hundreds of millions of non-believers on the planet living normal, decent, moral lives. They love their children, care about others, obey laws, and try to keep from doing harm to others just like everyone else. In fact, in predominantly non-believing countries such as in northern Europe, measures of societal health such as life expectancy at birth, adult literacy, per capita income, education, homicide, suicide, gender equality, and political coercion are better than they are in believing societies. 4. Myth: Belief in God is compatible with science. In the past, every supernatural or paranormal explanation of phenomena that humans believed turned out to be mistaken; science has always found a physical explanation that revealed that the supernatural view was a myth. Modern organisms evolved from lower life forms, they weren't created 6,000 years ago in the finished state. Fever is not caused by demon possession. Bad weather is not the wrath of angry gods. Miracle claims have turned out to be mistakes, frauds, or deceptions. We have every reason to conclude that science will continue to undermine the superstitious worldview of religion. 5. Myth: We have immortal souls that survive death. We have mountains of evidence that makes it clear that our consciousness, our beliefs, our desires, our thoughts all depend upon the proper functioning of our brains our nervous systems to exist. So when the brain dies, all of these things that we identify with the soul also cease to exist. Despite the fact that billions of people have lived and died on this planet, we do not have a single credible case of someone's soul, or consciousness, or personality continuing to exist despite the demise of their bodies. 6. Myth: If there is no God, everything is permitted. Consider the billions of people in China, India, and Japan above. If this claim was true, none of them would be decent moral people. So Ghandi, the Buddha, and Confucius, to name only a few were not moral people on this view. 7. Myth: Believing in God is not a cause of evil. The examples of cases where it was someone's belief in God that was the justification for their evils on humankind are too numerous to mention. 8. Myth: God explains the origins of the universe. All of the questions that allegedly plague non-God attempts to explain our origins still apply to the faux explanation of God. The suggestion that God created everything does not make it any clearer to us where it all came from, how he created it, why he created it, where it is all going. In fact, it raises even more difficult mysteries: how did God, operating outside the confines of space, time, and natural law 'create' or 'build' a universe that has physical laws? We have no precedent and maybe no hope of answering or understanding such a possibility. What does it mean to say that some disembodied, spiritual being who knows everything and has all power, 'loves' us, or has thoughts, or goals, or plans? 9. Myth: There's no harm in believing in God. Religious views inform voting, how they raise their children, what they think is moral and immoral, what laws and legislation they pass, who they are friends and enemies with, what companies they invest in, where they donate to charities, who they approve and disapprove of, who they are willing to kill or tolerate, what crimes they are willing to commit, and which wars they are willing to fight.

In the past you have suppressed and denied the ego system. The ego has not been raised to awareness, but once you start to raise it to awareness and the stuff starts getting flushed up, there is a strong tendency to want to project. Even though the ego is now being unveiled, you are seeing that the mind is still very strongly invested in it and that is where the guilt comes in. The transcendence will eventually come where we are able to detach in our mind from those false thoughts, from the attack thoughts; we will be able to just calmly see the false as false. But that is one of the stages that we go through. Once it starts to get flushed up there is a real tendency to project – to be what Jesus calls the unhealed healer. You want to go around and give healing without having healed yourselves and it is just to watch as we do this, and go through it.

Content is an investment in the future, not a record of the past.

Design came into being in 1919, when Walter Gropius founded the Bauhaus at Weimar. Part of the prospectus of this school reads: 'The function of art has in the past been given a formal importance which has severed it from our daily life; but art is always present when a people lives sincerely and health. 'Thus our job is to invest a new system of education that may lead to a complete knowledge of human needs and a universal awareness of them.' [...] What Gropius wrote is still valid. Tis first school of design did tend to make a new kind of artist, an artist useful to society because he helps society to recover its balance, and not to lurch between a false world to live one's material life in and and ideal world to take moral revenge in.

There are some things that, once lost, no amount of money can regain. Thus to justify the destruction of an ancient forest on the grounds that it will earn us substantial export income is problematic, even if we could invest that income and increase its value from year to year; for no matter how much we increase its value, its could never buy back the link with the past represented by the forest.

Unlike when people lived in small communities and could not escape their past behavior, we live in an age of anonymous one-time encounters, and many people have become expert at the art of fast persuasion. Trust, formerly earned through actions, is now purchased with sleight of hand, and sleight of words. I encourage women to explicitly rebuff unwanted approaches, but I know it is difficult to do. Just as rapport-building has a good reputation, explicitness applied by women in this culture has a terrible reputation. A woman who is clear and precise is viewed as cold, or a bitch, or both. A woman is expected, first and foremost, to respond to every communication from a man. And the response is expected to be one of willingness and attentiveness. It is considered attractive if she is a bit uncertain (the opposite of explicit). Women are expected to be warm and open, and in the context of approaches from male strangers, warmth lengthens the encounter, raises his expectations, increases his investment, and, at best, wastes time. At

At a lunchtime reception for the diplomatic corps in Washington, given the day before the inauguration of Barack Obama as president, I was approached by a good-looking man who extended his hand. 'We once met many years ago,' he said. 'And you knew and befriended my father.' My mind emptied, as so often happens on such occasions. I had to inform him that he had the advantage of me. 'My name is Hector Timerman. I am the ambassador of Argentina.' In my above album of things that seem to make life pointful and worthwhile, and that even occasionally suggest, in Dr. King’s phrase as often cited by President Obama, that there could be a long arc in the moral universe that slowly, eventually bends toward justice, this would constitute an exceptional entry. It was also something more than a nudge to my memory. There was a time when the name of Jacobo Timerman, the kidnapped and tortured editor of the newspaper La Opinion in Buenos Aires, was a talismanic one. The mere mention of it was enough to elicit moans of obscene pleasure from every fascist south of the Rio Grande: finally in Argentina there was a strict ‘New Order’ that would stamp hard upon the international Communist-Jewish collusion. A little later, the mention of Timerman’s case was enough to derail the nomination of Ronald Reagan’s first nominee as undersecretary for human rights; a man who didn’t seem to have grasped the point that neo-Nazism was a problem for American values. And Timerman’s memoir, Prisoner without a Name, Cell without a Number, was the book above all that clothed in living, hurting flesh the necessarily abstract idea of the desaparecido: the disappeared one or, to invest it with the more sinister and grisly past participle with which it came into the world, the one who has been ‘disappeared.’ In the nuances of that past participle, many, many people vanished into a void that is still unimaginable. It became one of the keywords, along with escuadrone de la muerte or ‘death squads,’ of another arc, this time of radical evil, that spanned a whole subcontinent. Do you know why General Jorge Rafael Videla of Argentina was eventually sentenced? Well, do you? Because he sold the children of the tortured rape victims who were held in his private prison. I could italicize every second word in that last sentence without making it any more heart-stopping. And this subhuman character was boasted of, as a personal friend and genial host, even after he had been removed from the office he had defiled, by none other than Henry Kissinger. So there was an almost hygienic effect in meeting, in a new Washington, as an envoy of an elected government, the son of the brave man who had both survived and exposed the Videla tyranny.

Ghafari points out that when an online guru uses too much “absolutist language,” that’s New Age scammer red flag number one. “Anyone who talks about the concept of feeling our past, our inner trauma, in a universal, oversimplified way,” she clarifies. “For example, statements like, ‘All of us are traumatized as kids, which is why we need to x, y, z,’ or, ‘All of us are from the cosmos and we’re just floating in a quantum field, blah blah blah.’” If simple quantifiers and qualifiers are absent from a guru’s messaging, that’s a sign they are likely unqualified to speak as a mental health authority, and are less interested in actually helping people than they are in convincing as many followers as possible to invest in their prophetic gifts.

A humorous treatment of the rigid uniformitarian view came from Mark Twain. Although the shortening of the Mississippi River he referred to was the result of engineering projects eliminating many of the bends in the river, it is a thought-provoking spoof: The Mississippi between Cairo and New Orleans was twelve hundred and fifteen miles long one hundred and seventy-six years ago. . . . Its length is only nine hundred and seventy-three miles at present. Now, if I wanted to be one of those ponderous scientific people, and “let on” to prove what had occurred in the remote past by what had occurred in a given time in the recent past . . . what an opportunity is here! Geology never had such a chance, nor such exact data to argue from! . . . In the space of one hundred and seventy-six years the Lower Mississippi has shortened itself two hundred and forty-two miles. That is an average of a trifle over one mile and a third per year. Therefore, any calm person, who is not blind or idiotic, can see that in the Old Oolitic Silurian Period, just a million years ago next November, the Lower Mississippi River was upwards of one million three hundred thousand miles long, and stuck out over the Gulf of Mexico like a fishing-rod. And by the same token any person can see that seven hundred and forty-two years from now the lower Mississippi will be only a mile and three-quarters long. . . . There is something fascinating about science. One gets such wholesale returns of conjecture out of such a trifling investment of fact.

A true revolution of values will soon cause us to question the fairness and justice of many of our past and present policies. On the one hand we are called to play the good Samaritan on life’s roadside; but that will be only an initial act. One day we must come to see that the whole Jericho road must be transformed so that men and women will not be constantly beaten and robbed as they make their journey on life’s highway. True compassion is more than flinging a coin to a beggar; it is not haphazard and superficial. It comes to see that an edifice which produces beggars needs restructuring. A true revolution of values will soon look uneasily on the glaring contrast of poverty and wealth. With righteous indignation, it will look across the seas and see individual capitalists of the West investing huge sums of money in Asia, Africa and South America, only to take the profits out with no concern for the social betterment of the countries, and say: “This is not just.” It will look at our alliance with the landed gentry of Latin America and say: “This is not just.” The Western arrogance of feeling that it has everything to teach others and nothing to learn from them is not just. A true revolution of values will lay hands on the world order and say of war: “This way of settling differences is not just.” This business of burning human beings with napalm, of filling our nation’s homes with orphans and widows, of injecting poisonous drugs of hate into veins of people normally humane, of sending men home from dark and bloody battlefields physically handicapped and psychologically deranged, cannot be reconciled with wisdom, justice and love. A nation that continues year after year to spend more money on military defense than on programs of social uplift is approaching spiritual death.

There's one big difference between the poor and the rich,' Kite says, taking a drag from his cigarette. We are in a pub, at lunch-time. John Kite is always, unless stated otherwise, smoking a fag, in a pub, at lunch-time. 'The rich aren't evil, as so many of my brothers would tell you. I've known rich people -- I have played on their yachts -- and they are not unkind, or malign, and they do not hate the poor, as many would tell you. And they are not stupid -- or at least, not any more than the poor are. Much as I find amusing the idea of a ruling class of honking toffs, unable to put their socks on without Nanny helping them, it is not true. They build banks, and broker deals, and formulate policy, all with perfect competency. 'No -- the big difference between the rich and the poor is that the rich are blithe. They believe nothing can ever really be so bad, They are born with the lovely, velvety coating of blitheness -- like lanugo, on a baby -- and it is never rubbed off by a bill that can't be paid; a child that can't be educated; a home that must be left for a hostel, when the rent becomes too much. 'Their lives are the same for generations. There is no social upheaval that will really affect them. If you're comfortably middle-class, what's the worst a government policy could do? Ever? Tax you at 90 per cent and leave your bins, unemptied, on the pavement. But you and everyone you know will continue to drink wine -- but maybe cheaper -- go on holiday -- but somewhere nearer -- and pay off your mortgage -- although maybe later. 'Consider, now, then, the poor. What's the worst a government policy can do to them? It can cancel their operation, with no recourse to private care. It can run down their school -- with no escape route to a prep. It can have you out of your house and into a B&B by the end of the year. When the middle-classes get passionate about politics, they're arguing about their treats -- their tax breaks and their investments. When the poor get passionate about politics, they're fighting for their lives. 'Politics will always mean more to the poor. Always. That's why we strike and march, and despair when our young say they won't vote. That's why the poor are seen as more vital, and animalistic. No classical music for us -- no walking around National Trust properties, or buying reclaimed flooring. We don't have nostalgia. We don't do yesterday. We can't bear it. We don't want to be reminded of our past, because it was awful; dying in mines, and slums, without literacy, or the vote. Without dignity. It was all so desperate, then. That's why the present and the future is for the poor -- that's the place in time for us: surviving now, hoping for better, later. We live now -- for our instant, hot, fast treats, to prep us up: sugar, a cigarette, a new fast song on the radio. 'You must never, never forget, when you talk to someone poor, that it takes ten times the effort to get anywhere from a bad postcode, It's a miracle when someone from a bad postcode gets anywhere, son. A miracle they do anything at all.

It is the responsibility of all of us to invest time and effort in uncovering our biases and in verifying our sources of information. As noted in earlier chapters, we cannot investigate everything ourselves. But precisely because of that, we need at least to investigate carefully our favourite sources of information – be they a newspaper, a website, a TV network or a person. In Chapter 20 we will explore in far greater depth how to avoid brainwashing and how to distinguish reality from fiction. Here I would like to offer two simple rules of thumb. First, if you want reliable information – pay good money for it. If you get your news for free, you might well be the product. Suppose a shady billionaire offered you the following deal: ‘I will pay you $30 a month, and in exchange, you will allow me to brainwash you for an hour every day, installing in your mind whichever political and commercial biases I want.’ Would you take the deal? Few sane people would. So the shady billionaire offers a slightly different deal: ‘You will allow me to brainwash you for one hour every day, and in exchange, I will not charge you anything for this service. The second rule of thumb is that if some issue seems exceptionally important to you, make the effort to read the relevant scientific literature. And by scientific literature I mean peer-reviewed articles, books published by well-known academic publishers, and the writings of professors from reputable institutions. Science obviously has its limitations, and it has got many things wrong in the past. Nevertheless, the scientific community has been our most reliable source of knowledge for centuries. If you think that the scientific community is wrong about something, that’s certainly possible, but at least know the scientific theories you are rejecting, and provide some empirical evidence to support your claim.

The first thing to remember is this: As long as you make an identity for yourself out of the pain, you cannot become free of it. As long as part of your sense of self is invested in your emotional pain, you will unconsciously resist or sabotage every attempt that you make to heal that pain. Why? Quite simply because you want to keep yourself intact, and the pain has become an essential part of you. This is an unconscious process, and the only way to overcome it is to make it conscious. To suddenly see that you are or have been attached to your pain can be quite a shocking realization. The moment you realize this, you have broken the attachment. The pain-body is an energy field, almost like an entity, that has become temporarily lodged in your inner space. It is life energy that has become trapped, energy that is no longer flowing. Of course, the pain-body is there because of certain things that happened in the past. It is the living past in you, and if you identify with it, you identify with the past. A victim identity is the belief that the past is more powerful than the present, which is the opposite of the truth. It is the belief that other people and what they did to you are responsible for who you are now, for your emotional pain or your inability to be your true self. The truth is that the only power there is is contained within this moment: It is the power of your presence. Once you know that, you also realize that you are responsible for your inner space now — nobody else is — and that the past cannot prevail against the power of the Now. So identification prevents you from dealing with the pain-body.

I feel close to her, but distant from her. I feel excited but unsatisfied, caring but detached, invested and indifferent. It’s like we’ve taken all the activities of coupledom and put them in a framework of two strangers who owe each other nothing; who have no past or future. It’s confusing. Not confusing enough to stop, obviously, but it is confusing.

Eat with gratitude. And when you put the piece of bread into your mouth, chew only your bread and not your projects, worries, fears, or anger. This is the practice of mindfulness. You chew mindfully and you know that you are chewing the bread, the wonderful nourishment of life. This brings you freedom and joy. Eat every morsel of your breakfast like that, not allowing yourself to be carried away from the experience of eating. This is a training. When you brush your teeth, how much time can you afford for brushing your teeth? At least one minute, maybe two? Brush your teeth in such a way that freedom and joy are possible, not allowing yourself to be carried away by concerns about what you will do after you are done. “I am standing here, brushing my teeth. I still have teeth to brush. I have toothpaste and a toothbrush. And my practice is to be alive, to be free to enjoy tooth-brushing.” Don’t allow yourself to be a slave of the past or the future. This practice is the practice of freedom. And if freedom is there, you will enjoy brushing your teeth. Resist the tendency to be carried away by your thoughts and fears. It’s interesting that in the United States you call it the restroom; do you feel restful in your restroom? In France, they used to call it la cabine d’aisance. Aisance means ease; you feel at ease, you feel comfortable. So when you go to the restroom, feel at ease with it, enjoy your time in the restroom. That’s my practice. When I urinate, I allow myself to be entirely with the act of urinating. If you have freedom, then urinating is very pleasant. You allow yourself to invest 100 percent of your body and mind into the act of urinating. It can free you. It can be joyful. When you drive to and from work, instead of thinking of your destination, enjoy every moment of driving.

In order to create something new, to invent a new product or idea, you need to anticipate where things are headed. That requires a mixture of certain habits of mind. You need to foster imagination, thoroughly understand the origins of past ideas, learn from others’ mistakes, talk to lots of people about ideas and test your hypotheses against people both alive and dead.

My twenties and thirties were contradictory decades, years when I eliminated conditions and truths that went against my grain. The value in this conservative era was that it safeguarded me from fatal character debits early in life. It was a time when I was often more concerned with not running red lights than I was with investing in the greenlights. I did what I wanted, I learned to live. I survived. My forties were a much more affirming decade, years when I started to play offense with truths I had learned and put them into action. An era where I doubled down on what fed me. The value of this liberal age was that it illuminated my most life-endorsing character assets. It was a time when I not only cruised through more greenlights because I had eliminated more red and yellow ones, but a time when I created more greenlights to travel through. A time when past reds and yellows finally turned green, as old hardships revealed themselves as good fortune, a time when the greenlights beamed brighter because I gave them more power to shine. I did what I needed, I lived to learn. I thrived. As I approach the next chapter of truths to cross, the only thing I know for sure is that I will recalibrate again,

If the body is no longer a site of otherness but of identification, then we have urgently to become reconciled with it, repair it, perfect it, turn it into an ideal object. Everyone treats their bodies the way men treat women in projective identification: they invest them as a fetish, making an autistic cult of them, subjecting them to a quasi-incestuous manipulation. And it is the body's resemblance to its model which becomes a source of eroticism and 'white' seduction -- in the sense that it effects a kind of white magic of identity, as opposed to the black magic of otherness. This is how it is with body-building: you get into your body as you would into a suit of nerve and muscle. The body is not muscular, but muscled. It is the same with the brain and with social relations or exchanges: body-building, brainstorming, word-processing. Madonna is the ideal specimen of this, our muscled Immaculate Conception, our muscular angel who delivers us from the weaknesses of the body (pity the poor shade of Marilyn!). The sheath of muscles is the equivalent of character armour. In the past, women merely wrapped themselves in their image and their finery -- Freud speaks of those people who live with a kind of inner mirror, in a fleshly, happy self-reference. That narcissistic ideal is past and gone; body-building has wiped it out and replaced it with a gymnastic Ego-Ideal -- cold, hard, stressed, artificial self-reference. The construction of a double, of a physical and mental identity shell. Thus, in `body simulation', where you can animate your body remotely at any moment, the phantasy of being present in more than one body becomes an operational reality. An extension of the human being. And not a metaphorical or poetic extension, as in Pessoa's heteronyms, but quite simply a technical one.

is turning all life into a unified flow experience. If a person sets out to achieve a difficult enough goal, from which all other goals logically follow, and if he or she invests all energy in developing skills to reach that goal, then actions and feelings will be in harmony, and the separate parts of life will fit together—and each activity will “make sense” in the present, as well as in view of the past and of the future. In such a way, it is possible to give meaning to one’s entire life. But isn’t it incredibly naive to expect life to have a coherent overall meaning? After all, at least since Nietzsche concluded that God was dead, philosophers and social scientists have been busy demonstrating that existence has no purpose, that chance and impersonal forces rule our fate, and that all values are relative and hence arbitrary. It is true that life has no meaning, if by that we mean a supreme goal built into the fabric of nature and human experience, a goal that is valid for every individual. But it does not follow that life cannot be given meaning. Much of what we call culture and civilization consists in efforts people have made, generally against overwhelming odds, to create a sense of purpose for themselves and their descendants. It is one thing to recognize that life is, by itself, meaningless. It is another thing entirely to accept this with resignation. The first fact does not entail the second any more than the fact that we lack wings prevents us from flying. From the point of view of an individual, it does not matter what the ultimate goal is—provided it is compelling enough to order a lifetime’s worth of psychic energy. The challenge might involve the desire to have the best beer-bottle collection in the neighborhood, the resolution to find a cure for cancer, or simply the biological imperative to have children who will survive and prosper. As long as it provides clear objectives, clear rules for action, and a way to concentrate and become involved, any goal can serve to give meaning to a person’s life. In the past few years I have come to be quite well acquainted with several Muslim professionals—electronics engineers, pilots, businessmen, and teachers, mostly from Saudi Arabia and from the other Gulf states. In talking to them, I was struck with how relaxed most of them seemed to be even under strong pressure. “There is nothing to it,” those I asked about it told me, in different words, but with the same message: “We don’t get upset because we believe that our life is in God’s hands, and whatever He decides will be fine with us.” Such implicit faith used to be widespread in our culture as well, but it is not easy to find it now. Many of us have to discover a goal that will give meaning to life on our own, without the help of a traditional faith.

Unlike and superior to either of those two typical remnants of mediævalism, the old barn embodied practices which had suffered no mutilation at the hands of time. Here at least the spirit of the ancient builders was at one with the spirit of the modern beholder. Standing before this abraded pile, the eye regarded its present usage, the mind dwelt upon its past history, with a satisfied sense of functional continuity throughout—a feeling almost of gratitude, and quite of pride, at the permanence of the idea which had heaped it up. The fact that four centuries had neither proved it to be founded on a mistake, inspired any hatred of its purpose, nor given rise to any reaction that had battered it down, invested this simple grey effort of old minds with a repose, if not a grandeur, which a too curious reflection was apt to disturb in its ecclesiastical and military compeers. For once mediævalism and modernism had a common stand-point. The lanceolate windows,

In a way, it makes sense that white feminism reflexively protects white women from the consequences of their actions. A movement that wants equal rights to oppress has a vested interest in not cleaning house. But the innately abusive nature of white supremacy has shaped white feminism, seen to it that investment in white supremacy is easier than investment in actual equality for themselves with all women. White feminism has to move past any idea of being an ally and into being an accomplice in order for it to be meaningful. Accomplice feminists will actively and directly challenge white supremacist people, policies, instiutions, and cultural norms. They would know they do not need to have to have the same stake in the fight to work with marginalized communities. They would put aside their egos and their need to be centered in our struggles in favor of following our instructions because they would internalize the reality that their privilege doesn't make them experts on our oppression.

I wish I had asked myself when I was younger. My path was so tracked that in my 8th-grade yearbook, one of my friends predicted— accurately— that four years later I would enter Stanford as a sophomore. And after a conventionally successful undergraduate career, I enrolled at Stanford Law School, where I competed even harder for the standard badges of success. The highest prize in a law student’s world is unambiguous: out of tens of thousands of graduates each year, only a few dozen get a Supreme Court clerkship. After clerking on a federal appeals court for a year, I was invited to interview for clerkships with Justices Kennedy and Scalia. My meetings with the Justices went well. I was so close to winning this last competition. If only I got the clerkship, I thought, I would be set for life. But I didn’t. At the time, I was devastated. In 2004, after I had built and sold PayPal, I ran into an old friend from law school who had helped me prepare my failed clerkship applications. We hadn’t spoken in nearly a decade. His first question wasn’t “How are you doing?” or “Can you believe it’s been so long?” Instead, he grinned and asked: “So, Peter, aren’t you glad you didn’t get that clerkship?” With the benefit of hindsight, we both knew that winning that ultimate competition would have changed my life for the worse. Had I actually clerked on the Supreme Court, I probably would have spent my entire career taking depositions or drafting other people’s business deals instead of creating anything new. It’s hard to say how much would be different, but the opportunity costs were enormous. All Rhodes Scholars had a great future in their past. the best paths are new and untried. will this business still be around a decade from now? business is like chess. Grandmaster José Raúl Capablanca put it well: to succeed, “you must study the endgame before everything else. The few who knew what might be learned, Foolish enough to put their whole heart on show, And reveal their feelings to the crowd below, Mankind has always crucified and burned. Above all, don’t overestimate your own power as an individual. Founders are important not because they are the only ones whose work has value, but rather because a great founder can bring out the best work from everybody at his company. That we need individual founders in all their peculiarity does not mean that we are called to worship Ayn Randian “prime movers” who claim to be independent of everybody around them. In this respect, Rand was a merely half-great writer: her villains were real, but her heroes were fake. There is no Galt’s Gulch. There is no secession from society. To believe yourself invested with divine self-sufficiency is not the mark of a strong individual, but of a person who has mistaken the crowd’s worship—or jeering—for the truth. The single greatest danger for a founder is to become so certain of his own myth that he loses his mind. But an equally insidious danger for every business is to lose all sense of myth and mistake disenchantment for wisdom.

In the immediate postbubble period, the wealth effect of asset price movements has a bigger impact on economic growth rates than monetary policy does. People tend to underestimate the size of this effect. In the early stages of a bubble bursting, when stock prices fall and earnings have not yet declined, people mistakenly judge the decline to be a buying opportunity and find stocks cheap in relation to both past earnings and expected earnings, failing to account for the amount of decline in earnings that is likely to result from what’s to come. But the reversal is self-reinforcing. As wealth falls first and incomes fall later, creditworthiness worsens, which constricts lending activity, which hurts spending and lowers investment rates while also making it less appealing to borrow to buy financial assets. This in turn worsens the fundamentals of the asset (e.g., the weaker economic activity leads corporate earnings to chronically disappoint), leading people to sell and driving down prices further. This has an accelerating downward impact on asset prices, income, and wealth.

Ten New Rules for Parent–Adult Child Relations RULE #1: Your adult child has more power than you to set the terms of your relationship because they’re more willing to walk away. Basic game theory: she who cares less has more power. RULE # 2: Your relationship with your adult child needs to occur in an environment of creating happiness and personal growth, not an environment of obligation, emotional debt, or duty. RULE # 3: You are not the only authority on how well you performed as a parent. Your adult child gets to have their own narrative and opinions about the past. RULE #4: Use of guilt trips or criticism will never get you what you want from your adult child, especially if you’re estranged. RULE #5: Learning to communicate in a way that is egalitarian, psychological, and self-aware is essential to a good relationship with your adult child. RULE #6: You were the parent when you were raising your child and you’re the parent until they die. You brought your child into this world. That means that if your child is unable to take the high road, you still have to if reconciliation is your goal. RULE #7: A large financial and emotional investment in your child does not entitle you to more contact or affection than that which is wanted by them, however unjust that may seem. RULE #8: Criticizing your child’s spouse, romantic partner, or therapist greatly increases your risk of estrangement. RULE #9: Criticizing your child’s sexuality or gender identity greatly increases your risk of estrangement. RULE #10: Just because you had a bad childhood and did a better job than your parents doesn’t mean that your adult child has to accept all of the ways that they felt hurt by you.

Development in adulthood, and in marriage, requires using the past to animate the present. We lose many things in life. We lose people we love, our younger selves, our children's babyhoods, and the crazy-in-love phase with our partner. We mourn the losses and keep the memories and past selves alive in us-through rituals, reminiscence, and loving action toward othres, investing in the future- is one of the greatest gifts of mature adulthood. From midlife onward, perceiving oneself as generative gives people not only a sense of meaning, but appears to relate to greater health and longer health.

Even when her rights are recognized abstractly, long-standing habit keeps them from being concretely manifested in customs. Economically, men and women almost form two castes; all things being equal, the former have better jobs, higher wages, and greater chances to succeed than their new female competitors; they occupy many more places in industry, in politics, and so forth, and they hold the most important positions. In addition to their concrete power, they are invested with a prestige whose tradition is reinforced by the child's whole education: the present incorporates the past, and in the past all history was made by males.

As women gain rights, families flourish, and so do societies. That connection is built on a simple truth: Whenever you include a group that’s been excluded, you benefit everyone. And when you’re working globally to include women and girls, who are half of every population, you’re working to benefit all members of every community. Gender equity lifts everyone. From high rates of education, employment, and economic growth to low rates of teen births, domestic violence, and crime—the inclusion and elevation of women correlate with the signs of a healthy society. Women’s rights and society’s health and wealth rise together. Countries that are dominated by men suffer not only because they don’t use the talent of their women but because they are run by men who have a need to exclude. Until they change their leadership or the views of their leaders, those countries will not flourish. Understanding this link between women’s empowerment and the wealth and health of societies is crucial for humanity. As much as any insight we’ve gained in our work over the past twenty years, this was our huge missed idea. My huge missed idea. If you want to lift up humanity, empower women. It is the most comprehensive, pervasive, high-leverage investment you can make in human beings.

Whites, it must frankly be said, are not putting in a similar mass effort to reeducate themselves out of their racial ignorance. It is an aspect of their sense of superiority that the white people of America believe they have so little to learn. The reality of substantial investment to assist Negroes into the twentieth century, adjusting to Negro neighbors and genuine school integration, is still a nightmare for all too many white Americans. White America would have liked to believe that in the past ten years a mechanism had somehow been created that needed only orderly and smooth tending for the painless accomplishment of change. Yet this is precisely what has not been achieved.

In a fear-based, failure-averse culture, people will consciously or unconsciously avoid risk. They will seek instead to repeat something safe that’s been good enough in the past. Their work will be derivative, not innovative. But if you can foster a positive understanding of failure, the opposite will happen. How, then, do you make failure into something people can face without fear? Part of the answer is simple: If we as leaders can talk about our mistakes and our part in them, then we make it safe for others. You don’t run from it or pretend it doesn’t exist. That is why I make a point of being open about our meltdowns inside Pixar, because I believe they teach us something important: Being open about problems is the first step toward learning from them. My goal is not to drive fear out completely, because fear is inevitable in high-stakes situations. What I want to do is loosen its grip on us. While we don’t want too many failures, we must think of the cost of failure as an investment in the future. I

We grossly overestimate the length of the effect of misfortune on our lives. You think that the loss of your fortune or current position will be devastating, but you are probably wrong. More likely, you will adapt to anything, as you probably did after past misfortunes. You may feel a sting, but it will not be as bad as you expect. This kind of misprediction may have a purpose: to motivate us to perform important acts (like buying new cars or getting rich) and to prevent us from taking certain unnecessary risks. And it is part of a more general problem: we humans are supposed to fool ourselves a little bit here and there. According to Trivers’s theory of self-deception, this is supposed to orient us favorably toward the future. But self-deception is not a desirable feature outside of its natural domain. It prevents us from taking some unnecessary risks—but we saw in Chapter 6 how it does not as readily cover a spate of modern risks that we do not fear because they are not vivid, such as investment risks, environmental dangers, or long-term security.

Unlike when people lived in small communities and could not escape their past behavior, we live in an age of anonymous one-time encounters, and many people have become expert at the art of fast persuasion. Trust, formerly earned through actions, is now purchased with sleight of hand, and sleight of words. I encourage women to explicitly rebuff unwanted approaches, but I know it is difficult to do. Just as rapport-building has a good reputation, explicitness applied by women in this culture has a terrible reputation. A woman who is clear and precise is viewed as cold, or a bitch, or both. A woman is expected, first and foremost, to respond to every communication from a man. And the response is expected to be one of willingness and attentiveness. It is considered attractive if she is a bit uncertain (the opposite of explicit). Women are expected to be warm and open, and in the context of approaches from male strangers, warmth lengthens the encounter, raises his expectations, increases his investment, and, at best, wastes time. At worst, it serves the man who has sinister intent by providing much of the information he will need to evaluate and then control his prospective victim.

We are not talking just about dollars and cents. We are talking about lives. Consider one chilling example: drug-resistant infections. As America’s breakthroughs in antibiotics recede into the past, bacteria are evolving to defeat current antibiotics. For more and more infections, we are plunging back into the pre-antibiotic era. In the United States alone, two million people are sickened and tens of thousands die each year from drug-resistant infections—mostly because private companies see little incentive to invest in the necessary research, and the federal government has failed to step in.87 Though federal funding for the National Institutes of Health ramped up in the mid-1990s, it has fallen precipitously since, cutting the share of young scientists with NIH grants in half in roughly six years.88 As one medical professor lamented recently: “In my daily work in both a university medical school and a public hospital, it’s a rare month that some bright young person doesn’t tell me they are quitting science because it’s too hard to get funded. . . . A decade or two from now, when an antibiotic-resistant bacteria or new strain of bird flu is ravaging humanity, that generation will no longer be around to lead the scientific charge on humanity’s behalf.”89

Rejecting failure and avoiding mistakes seem like high-minded goals, but they are fundamentally misguided. Take something like the Golden Fleece Awards, which were established in 1975 to call attention to government-funded projects that were particularly egregious wastes of money. (Among the winners were things like an $84,000 study on love commissioned by the National Science Foundation, and a $3,000 Department of Defense study that examined whether people in the military should carry umbrellas.) While such scrutiny may have seemed like a good idea at the time, it had a chilling effect on research. No one wanted to “win” a Golden Fleece Award because, under the guise of avoiding waste, its organizers had inadvertently made it dangerous and embarrassing for everyone to make mistakes. The truth is, if you fund thousands of research projects every year, some will have obvious, measurable, positive impacts, and others will go nowhere. We aren’t very good at predicting the future—that’s a given—and yet the Golden Fleece Awards tacitly implied that researchers should know before they do their research whether or not the results of that research would have value. Failure was being used as a weapon, rather than as an agent of learning. And that had fallout: The fact that failing could earn you a very public flogging distorted the way researchers chose projects. The politics of failure, then, impeded our progress. There’s a quick way to determine if your company has embraced the negative definition of failure. Ask yourself what happens when an error is discovered. Do people shut down and turn inward, instead of coming together to untangle the causes of problems that might be avoided going forward? Is the question being asked: Whose fault was this? If so, your culture is one that vilifies failure. Failure is difficult enough without it being compounded by the search for a scapegoat. In a fear-based, failure-averse culture, people will consciously or unconsciously avoid risk. They will seek instead to repeat something safe that’s been good enough in the past. Their work will be derivative, not innovative. But if you can foster a positive understanding of failure, the opposite will happen. How, then, do you make failure into something people can face without fear? Part of the answer is simple: If we as leaders can talk about our mistakes and our part in them, then we make it safe for others. You don’t run from it or pretend it doesn’t exist. That is why I make a point of being open about our meltdowns inside Pixar, because I believe they teach us something important: Being open about problems is the first step toward learning from them. My goal is not to drive fear out completely, because fear is inevitable in high-stakes situations. What I want to do is loosen its grip on us. While we don’t want too many failures, we must think of the cost of failure as an investment in the future.

As I see it, the War on Drugs—more than any other government program or political initiative—gave rise to mass incarceration as defined above. Although the political dynamics that gave birth to the system date back to slavery, the drug war marked an important turning point in American history, one that cannot be measured simply by counting heads in prisons and jails. The declaration and escalation of the War on Drugs marked a moment in our past when a group of people defined by race and class was viewed and treated as the “enemy.” A literal war was declared on a highly vulnerable population, leading to a wave of punitiveness that permeated every aspect of our criminal justice system and redefined the scope of fundamental constitutional rights. The war mentality resulted in the militarization of local police departments and billions invested in drug law enforcement at the state and local levels. It also contributed to astronomical expenditures for prison building for people convicted of all crimes and the slashing of billions from education, public housing and welfare programs, as well as a slew of legislation authorizing legal discrimination against millions of people accused of drug offenses, denying them access to housing, food stamps, credit, basic public benefits, and financial aid for schooling. This war did not merely increase the number of people in prisons and jails. It radically altered the life course of millions, especially black men who were the primary targets in the early decades of the war. Their lives and families were destroyed for drug crimes that were largely ignored on the other side of town. Those who define “mass incarceration” narrowly, to include only individuals currently locked in prisons or jails, erase from public view the overwhelming majority of

There is no reason at all for thinking that the average intelligent investor, even with much devoted effort, can derive better results over the years from the purchase of growth stocks than the investment companies specializing in this area. Surely these organizations have more brains and better research facilities at their disposal than you do. Consequently we should advise against the usual type of growth-stock commitment for the enterprising investor.* This is one in which the excellent prospects are fully recognized in the market and already reflected in a current price-earnings ratio of, say, higher than 20. (For the defensive investor we suggested an upper limit of purchase price at 25 times average earnings of the past seven years. The two criteria would be about equivalent in most cases.)† The striking thing about growth stocks as a class is their tendency toward wide swings in market price. This is true of the largest and longest-established companies—such as General Electric and International Business Machines—and even more so of newer and smaller successful companies. They illustrate our thesis that the main characteristic of the stock market since 1949 has been the injection of a highly speculative element into the shares of companies which have scored the most brilliant successes, and which themselves would be entitled to a high investment rating. (Their credit standing is of the best, and they pay the lowest interest rates on their borrowings.) The investment caliber of such a company may not change over a long span of years, but the risk characteristics of its stock will depend on what happens to it in the stock market. The more enthusiastic the public grows about it, and the faster its advance as compared with the actual growth in its earnings, the riskier a proposition it becomes.

[A] central theme is why social, political, and economic institutions tend to coevolve in a manner that reinforces rather than undermines one another. The welfare state is not 'politics against markets,' as commonly assumed, but politics with markets. Although it is popular to think that markets, especially global ones, interfere with the welfare state, and vice versa, this notion is simply inconsistent with the postwar record of actual welfare state development. The United States, which has a comparatively small welfare state and flexible labor markets, has performed well in terms of jobs and growth during the past two decades; however, before then the countries with the largest welfare states and the most heavily regulated labor markets exceeded those in the United States on almost any gauge of economic competitiveness and performance. Despite the change in economic fortunes, the relationship between social protection and product market strategies continues to hold. Northern Europe and Japan still dominate high-quality markets for machine tools and consumer durables, whereas the United States dominates software, biotech, and other high-tech industries. There is every reason that firms and governments will try to preserve the institutions that give rise to these comparative advantages, and here the social protection system (broadly construed to include job security and protection through the industrial relations system) plays a key role. The reason is that social insurance shapes the incentives workers and firms have for investing in particular types of skills, and skills are critical for competitive advantage in human-capital-intensive economies. Firms do not develop competitive advantages in spite of systems of social protection, but because of it. Continuing this line of argument, the changing economic fortunes of different welfare production regimes probably has very little to do with growing competitive pressure from the international economy. To the contrary, it will be argued in Chapter 6 that the main problem for Europe is the growing reliance on services that have traditionally been closed to trade. In particular, labor-intensive, low-productivity jobs do not thrive in the context of high social protection and intensive labor-market regulation, and without international trade, countries cannot specialize in high value-added services. Lack of international trade and competition, therefore, not the growth of these, is the cause of current employment problems in high-protection countries.

Obama is also directing the U.S. government to invest billions of dollars in solar and wind energy. In addition, he is using bailout leverage to compel the Detroit auto companies to build small, “green” cars, even though no one in the government has investigated whether consumers are interested in buying small, “green” cars—the Obama administration just believes they should. All these measures, Obama recognizes, are expensive. The cap and trade legislation is estimated to impose an $850 billion burden on the private sector; together with other related measures, the environmental tab will exceed $1 trillion. This would undoubtedly impose a significant financial burden on an already-stressed economy. These measures are billed as necessary to combat global warming. Yet no one really knows if the globe is warming significantly or not, and no one really knows if human beings are the cause of the warming or not. For years people went along with Al Gore’s claim that “the earth has a fever,” a claim illustrated by misleading images of glaciers disappearing, oceans swelling, famines arising, and skies darkening. Apocalypse now! Now we know that the main body of data that provided the basis for these claims appears to have been faked. The Climategate scandal showed that scientists associated with the Intergovernmental Panel on Climate Change were quite willing to manipulate and even suppress data that did not conform to their ideological commitment to global warming.3 The fakers insist that even if you discount the fakery, the data still show.... But who’s in the mood to listen to them now? Independent scientists who have reviewed the facts say that average global temperatures have risen by around 1.3 degrees Fahrenheit in the past 100 years. Lots of things could have caused that. Besides, if you project further back, the record shows quite a bit of variation: periods of warming, followed by periods of cooling. There was a Medieval Warm Period around 1000 A.D., and a Little Ice Age that occurred several hundred years later. In the past century, the earth warmed slightly from 1900 to 1940, then cooled slightly until the late 1970s, and has resumed warming slightly since then. How about in the past decade or so? Well, if you count from 1998, the earth has cooled in the past dozen years. But the statistic is misleading, since 1998 was an especially hot year. If you count from 1999, the earth has warmed in the intervening period. This statistic is equally misleading, because 1999 was a cool year. This doesn’t mean that temperature change is in the eye of the beholder. It means, in the words of Roy Spencer, former senior scientist for climate studies at NASA, that “all this temperature variability on a wide range of time scales reveals that just about the only thing constant in climate is change.”4

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All this shows a very mediocre idea of oneself - always imputing misfortune to some objective cause. Once it has been exorcized by causes, misfortune is no longer a problem: it becomes susceptible of a causal solution and, above all, it originates elsewhere - in original sin, in history, in the social order, or in natural perversion. In short, it originates in an objectivity into which we exile it the better to be rid of it. Once again, this bespeaks very little pride and self-respect. In the past, what struck you down was your destiny, your personal fatum. You didn't look for some 'objective' cause of this or some attenuating circumstance, which would amount to saying we have no part in what happens to us. There is something humiliating in that. The intelligence of evil begins with the hypothesis that our ills come to us from an evil genius that is our own. Let us be worthy of our 'perversity' of our evil genius, let us measure up to our tragic involvement in what happens to us (including good fortune). In a word, let us not be imbeciles, for imbecility in the literal sense lies in the superficial reference to misfortune and exemption from evil. This is how we make imbeciles of the victims themselves, by confining them to their condition of victim. And by the compassion we show them we engage in a kind of false advertising for them. We take no account of what degree of choice and defiance, of connivence with oneself, of - unconscious or quasi-deliberate - provocative relation to evil there may be in AIDS, in drug-taking, in suffering and alienation, in voluntary servitude - in this acting-out in the fatal zone. It is the same with suicide, which is always ascribed to depressive motivations with no account taken of an originality of, an original will to commit, the act itself (Canetti speaks in the same way of the interpretation of dreams as a violence done to dreams that takes no account of their literalness). So, the understanding of misfortune is everywhere substituted for the intelligence of evil. Now, unlike the former, this latter rests on the rejection of the presumption of innocence. By contrast with that understanding, we are all presumptive wrongdoers - but not responsible ones, for, in the last instance, we do not have to answer for ourselves - that is the business of destiny or of the divinity. For the act we commit, it is right we should be dealt with - and indeed punished - accordingly. We are never innocent of that act in the sense of having nothing to do with it or being victims of it. But this does not mean we are answerable for it either, as that would suppose we were answerable for ourselves, that we were invested with total power over ourselves, which is a subjective illusion. It's a good thing we don't possess that power or that responsibility. A good thing we are not the causes of ourselves - that at least confers some degree of innocence on us. For the rest, we are forever complicit in what we do, even if we are not answerable to anyone. So we are both irresponsible and without excuses. Never explain, never complain.

ISIS was forced out of all its occupied territory in Syria and Iraq, though thousands of ISIS fighters are still present in both countries. Last April, Assad again used sarin gas, this time in Idlib Province, and Russia again used its veto to protect its client from condemnation and sanction by the U.N. Security Council. President Trump ordered cruise missile strikes on the Syrian airfield where the planes that delivered the sarin were based. It was a minimal attack, but better than nothing. A week before, I had condemned statements by Secretary of State Rex Tillerson and U.N. Ambassador Nikki Haley, who had explicitly declined to maintain what had been the official U.S. position that a settlement of the Syrian civil war had to include Assad’s removal from power. “Once again, U.S. policy in Syria is being presented piecemeal in press statements,” I complained, “without any definition of success, let alone a realistic plan to achieve it.” As this book goes to the publisher, there are reports of a clash between U.S. forces in eastern Syria and Russian “volunteers,” in which hundreds of Russians were said to have been killed. If true, it’s a dangerous turn of events, but one caused entirely by Putin’s reckless conduct in the world, allowed if not encouraged by the repeated failures of the U.S. and the West to act with resolve to prevent his assaults against our interests and values. In President Obama’s last year in office, at his invitation, he and I spent a half hour or so alone, discussing very frankly what I considered his policy failures, and he believed had been sound and necessary decisions. Much of that conversation concerned Syria. No minds were changed in the encounter, but I appreciated his candor as I hoped he appreciated mine, and I respected the sincerity of his convictions. Yet I still believe his approach to world leadership, however thoughtful and well intentioned, was negligent, and encouraged our allies to find ways to live without us, and our adversaries to try to fill the vacuums our negligence created. And those trends continue in reaction to the thoughtless America First ideology of his successor. There are senior officials in government who are trying to mitigate those effects. But I worry that we are at a turning point, a hinge of history, and the decisions made in the last ten years and the decisions made tomorrow might be closing the door on the era of the American-led world order. I hope not, and it certainly isn’t too late to reverse that direction. But my time in that fight has concluded. I have nothing but hope left to invest in the work of others to make the future better than the past. As of today, as the Syrian war continues, more than 400,000 people have been killed, many of them civilians. More than five million have fled the country and more than six million have been displaced internally. A hundred years from now, Syria will likely be remembered as one of the worst humanitarian catastrophes of the twenty-first century, and an example of human savagery at its most extreme. But it will be remembered, too, for the invincibility of human decency and the longing for freedom and justice evident in the courage and selflessness of the White Helmets and the soldiers fighting for their country’s freedom from tyranny and terrorists. In that noblest of human conditions is the eternal promise of the Arab Spring, which was engulfed in flames and drowned in blood, but will, like all springs, come again.

THE VISION EXERCISE Create your future from your future, not your past. WERNER ERHARD Erhard Founder of EST training and the Landmark Forum The following exercise is designed to help you clarify your vision. Start by putting on some relaxing music and sitting quietly in a comfortable environment where you won’t be disturbed. Then, close your eyes and ask your subconscious mind to give you images of what your ideal life would look like if you could have it exactly the way you want it, in each of the following categories: 1. First, focus on the financial area of your life. What is your ideal annual income and monthly cash flow? How much money do you have in savings and investments? What is your total net worth? Next . . . what does your home look like? Where is it located? Does it have a view? What kind of yard and landscaping does it have? Is there a pool or a stable for horses? What does the furniture look like? Are there paintings hanging in the rooms? Walk through your perfect house, filling in all of the details. At this point, don’t worry about how you’ll get that house. Don’t sabotage yourself by saying, “I can’t live in Malibu because I don’t make enough money.” Once you give your mind’s eye the picture, your mind will solve the “not enough money” challenge. Next, visualize what kind of car you are driving and any other important possessions your finances have provided. 2. Next, visualize your ideal job or career. Where are you working? What are you doing? With whom are you working? What kind of clients or customers do you have? What is your compensation like? Is it your own business? 3. Then, focus on your free time, your recreation time. What are you doing with your family and friends in the free time you’ve created for yourself? What hobbies are you pursuing? What kinds of vacations do you take? What do you do for fun? 4. Next, what is your ideal vision of your body and your physical health? Are you free of all disease? Are you pain free? How long do you live? Are you open, relaxed, in an ecstatic state of bliss all day long? Are you full of vitality? Are you flexible as well as strong? Do you exercise, eat good food, and drink lots of water? How much do you weigh? 5. Then, move on to your ideal vision of your relationships with your family and friends. What is your relationship with your spouse and family like? Who are your friends? What do those friendships feel like? Are those relationships loving, supportive, empowering? What kinds of things do you do together? 6. What about the personal arena of your life? Do you see yourself going back to school, getting training, attending personal growth workshops, seeking therapy for a past hurt, or growing spiritually? Do you meditate or go on spiritual retreats with your church? Do you want to learn to play an instrument or write your autobiography? Do you want to run a marathon or take an art class? Do you want to travel to other countries? 7. Finally, focus on the community you’ve chosen to live in. What does it look like when it is operating perfectly? What kinds of community activities take place there? What charitable, philanthropic, or volunteer work? What do you do to help others and make a difference? How often do you participate in these activities? Who are you helping? You can write down your answers as you go, or you can do the whole exercise first and then open your eyes and write them down. In either case, make sure you capture everything in writing as soon as you complete the exercise. Every day, review the vision you have written down. This will keep your conscious and subconscious minds focused on your vision, and as you apply the other principles in this book, you will begin to manifest all the different aspects of your vision.

When positive events occur as described in the last chapter and euphoria, optimism and greed rise, investors tend to become less risk-averse than usual and less risk-averse than they should be. What are the effects (following on from the list of the functions investors perform on page 106–107)? Since they feel better about the environment and are more optimistic about likely outcomes, they reduce the amount of caution they bring to the investing process. Since they no longer consider investing to be risky, they don’t see the need for painstaking analysis. They tend to make assumptions that are more generous, and they replace skepticism with credulousness. They’re willing to make do with a reduced margin of safety. Viewing risk as less worrisome, they no longer demand risk premiums as cushy as in the past. They behave less as sticklers, since they’re more attracted to the returns on risky investments and less leery of the risk they involve.

Ibbotson Associates, founded by Yale scholar Roger Ibbotson, produces a widely used survey of returns covering the past seventy-eight years. Over the nearly eight-decade period from 1926 to 2003, U.S. stocks produced an annual compound return of 10.4 percent, U.S. government bonds returned 5.4 percent, and U.S. Treasury bills generated 3.7 percent. The 5.0 percentage point difference between stock and bond returns represents the historical risk premium, defined as the return to equity holders for accepting risk above the level inherent in bond investments.

In all businesses, profits and losses today stem from a collage of decisions, big and trivial, made in the sometimes distant past, often by people who are no longer around. Dumb luck can be as influential as good judgment

What this means is that today’s societies are very different from the societies of the past, when growth was close to zero, or barely 0.1 percent per year, as in the eighteenth century. A society in which growth is 0.1–0.2 percent per year reproduces itself with little or no change from one generation to the next: the occupational structure is the same, as is the property structure. A society that grows at 1 percent per year, as the most advanced societies have done since the turn of the nineteenth century, is a society that undergoes deep and permanent change. This has important consequences for the structure of social inequalities and the dynamics of the wealth distribution. Growth can create new forms of inequality: for example, fortunes can be amassed very quickly in new sectors of economic activity. At the same time, however, growth makes inequalities of wealth inherited from the past less apparent, so that inherited wealth becomes less decisive. To be sure, the transformations entailed by a growth rate of 1 percent are far less sweeping than those required by a rate of 3–4 percent, so that the risk of disillusionment is considerable—a reflection of the hope invested in a more just social order, especially since the Enlightenment. Economic growth is quite simply incapable of satisfying this democratic and meritocratic hope, which must create specific institutions for the purpose and not rely solely on market forces or technological progress.

To qualify as an accredited investor, you must have earned at least $200,000 a year ($300,000 for a married couple) for the past two years and reasonably expect that level of income to continue or have a net worth of at least $1 million (on your own or joint with your spouse) not including your primary residence.

There’s a special tax provision called Section 179 that lets business owners deduct 100 percent of the cost of personal property (such as desks and computers) in the year it was bought instead of having to depreciate it over time. In the past, rental property owners weren’t allowed to use this provision for personal property (such as appliances, carpets, and furniture) in their rental units. The Tax Cuts and Jobs Act (TCJA) removed that restriction, and now landlords can take full advantage of Section 179 deductions, up to a total of $1 million (but the deduction can’t create a net loss).

How do I live less in the past, and more in the present? How do I build an investment strategy that is aligned with my mid-term and long-term goals and commitments? What does it look like to move from mindless consumption to mindful creation?

During Biden’s long period of flailing, I had feared that he had missed his chance to avert the worst consequence of climate change—and that another opportunity to protect the planet wouldn’t come around for years, after it was far too late. But then in the summer of 2022, Congress passed the Inflation Reduction Act, a banally named bill that will transform American life. Its investments in alternative energy will ignite the growth of industries that will wean the economy from its dependence on fossil fuels. That achievement was of a piece with the new economics that his presidency had begun to enshrine. Where the past generation of Democratic presidents was deferential to markets, reluctant to challenge monopoly, indifferent to unions, and generally encouraging of globalization, Biden went in a different direction. Through a series of bills—not just his investments in alternative energy, but also the CHIPS Act and his infrastructure bill—he erected a state that will function as an investment bank, spending money to catalyze favored industries to realize his vision, where the United States controls the commanding heights of the economy of the future. The critique of gerontocracy is that once politicians become senior citizens, they will only focus on the short term, because they will only inhabit the short term. But Biden, the oldest president in history, pushed for spending money on projects that might not come to fruition in his lifetime. His theory of the case—that democracy will succeed only if it delivers for its citizens—compelled him to push for expenditures on unglamorous but essential items such as electric vehicle charging systems, crumbling ports, and semiconductor plants, which will decarbonize the economy, employ the next generation of workers, and prevent national decline.

For the both of us, the first two years of meditating were a period of self-discovery and strong determination. We knew that the healing happening in our minds was bringing great results because we both felt much less tense, but we also knew that we had to remain committed to the practice to be able to fully benefit from the process. We started off by going to retreats, but over time we realized that it would benefit us immensely to start meditating daily at home. It felt like a herculean effort to push against the mix of laziness and the feeling of being too busy to make room in our lives for daily meditation. It made sense to do this because investing in the health of our minds was going to bring more harmony into our lives, but even that clear logic did not make sitting on the cushion easier. Eventually, we put our feet down and decided that, no matter what, we were going to move in this direction.

In 2017, Warren Buffett admitted on CNBC’s Squawk Box that he should have invested in Amazon. I have no such qualms. I know that I would have missed Amazon in the past, and I will miss an Amazon-like business in the future. So be it. The only saving grace of this failure? I doubt I will see another Bezos in my lifetime.

An honest signal is not “our margin will be 15 percent next year” but “our average margin was 12 percent over the last ten years”; an honest signal is not “we will have robust free cash flows starting two years from now” but “we generated free cash flow only one year in the last decade”; an honest signal is not “we will launch six new products next year” but “in our recent history, we have launched an average of one product every two years.” No stories, no projections, just facts about the past.

We rely exclusively on honest signals from businesses that, as in the natural world, are costly to produce. These include past operating and financial performance and scuttlebutt signals from suppliers, customers, competitors, ex-employees, and industry experts.

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

Arguably the most important gifts of the past generation to the current generation come from wise investments, a belief in rules of just conduct, good political institutions, and good values, among other related historical factors. Growth-enhancing institutions do require hard work, but that investment is a positive-sum rather than a zero-sum game across the generations. The resulting moral impulse is one of strengthening good rules conducive to future economic growth, properly understood, and here again we approach a common sense morality.

you must become more interested in what’s possible from here on than you are in rectifying the past, and more invested in how you might midwife this transition harmoniously than in getting what you want in the short term.

The declaration and escalation of the War on Drugs marked a moment in our past when a group of people defined by race and class was viewed and treated as the 'enemy.' A literal war was declared on a highly vulnerable population, leading to a wave of punitiveness that permeated every aspect of our criminal justice system and redefined the scope of fundamental constitutional rights. The war mentality resulted in the militarization of local police departments and billions invested in drug law enforcement at the state and local levels. It also contributed to astronomical expenditures for prison building for people convicted of all crimes and the slashing of billions from education, public housing and welfare programs, as well as a slew of legislation authorizing legal discrimination against millions of people accused of drug offenses, denying them access to housing, food stamps, credit, basic public benefits, and financial aid for schooling. This war did not merely increase the number of people in prisons and jails. It radically altered the life course of millions, especially black men who were the primary targets in the early decades of the war. Their lives and families were destroyed for drug crimes that were largely ignored on the other side of town. Those who define 'mass incarceration' narrowly, to include only individuals currently locked in prisons or jails, erase from public view the overwhelming majority of people ensnared by the system. Twice as many people are on probation or parole in this country as are locked in literal cages. The United States has a staggering 2.3 million people in prison-a higher rate of incarceration than any country in the world-but it also has another 4.5 million people under state control outside of prisons, on probation or parole. More than 70 million Americans-over 20 percent of the entire U.S. population, overwhelming poor and disproportionately people of color-now have criminal records that authorize legal discrimination for life. The New Jim Crow was intended to help people see that it is a serious mistake to think of mass incarceration as simply a problem of too many people in prisons and jails. It is that, but it is also much, much more. Prison statistics barely begin to capture the enormity of this crisis. And yet for too many, the discussion begins and ends there.

The child who grows into an Anxious attachment style has one or more parents who are present and loving one moment, and then absent or unavailable the next. Consequently, they can trust and deeply connect with their parents and then feel a strong emotional hunger when they disappear. As Live Science discusses, connection with caregivers releases oxytocin, among other neurochemicals, in the brain. Immediate withdrawal then creates a more significant sense of longing and a deeper dependency on their parent or parents to be soothed. However, the child will not actually have enough distance to learn how to self-soothe, so they will feel an even deeper need to rely on their caregivers. Consequently, a subconscious program that revolves around the fear of abandonment begins to be ingrained in the Anxiously attached individual. They will begin to get deeply triggered when the caregiver separates from them and will often feel lonely and unloved because they hunger for closeness. The inconsistency in parental availability for the child ultimately results in the child believing they must self-sacrifice to maintain their caregiver’s presence and be worthy of their love. If they do exactly what is demanded of them in relationships, they will subconsciously believe that people will stick around. In adulthood, this eventually creates a strong sense of resentment from the Anxious individual toward those they are sacrificing their needs and values for. Without the understanding of why they are doing this, they will continue to do so and will create turmoil in the relationships they value the most. Another scenario in which an Anxious attachment style can arise is when one caregiver is incredibly present and connected and the other is very withdrawn—again, a form of inconsistency. This time, imagine there is a child named Parker. He has a father who is ever-present, understanding, and loving. Parker’s mother, however, is always busy at work. A constant need to be clingy will arise in him because, while positive associations are being built by his closeness to his father, they are also simultaneously being taken away by his mother. He will eventually try to use activating strategies—the process of using past knowledge to make future decisions—to keep his mother from leaving. However, his energy is invested into maintaining closeness to his mother rather than learning how to self-soothe. This is why you’ll see the Anxious Attachment in adulthood ultimately working to prevent someone from leaving by doing whatever they perceive that person needs, rather than working on the actual problem at hand.

Firstly, the past is fundamentally static. Once it has occurred, arguing does nothing but prevent people from investing their energy into finding a collective solution that gets their needs met.

of climate change. What was needed was a massive nudge in the right direction. In the past, the stick of regulation and the rod of taxation were the methods that environmentalists believed could break the fossil fuel economy. But the Inflation Reduction Act doesn’t rely on such punitive tactics, because Manchin culled them from the bill. Instead, it imagined that the United States could become the global leader of a booming climate economy, if the government provided tax credits and subsidies, a lucrative set of incentives. There was a cost associated with the bill. By the Congressional Budget Office’s score, it offered $386 billion in tax credits to encourage the production of wind turbines, solar panels, geothermal plants, and battery storage. Tax credits would reduce the cost of electric vehicles so that they would become the car of choice for Middle America. But $386 billion was an estimate, not a price tag, since the legislation didn’t cap the amount of money available in tax credits. If utilities wanted to build more wind turbines or if demand for electric vehicles surged, the government would keep spending. When Credit Suisse studied the program, it estimated that so many businesses and consumers will avail themselves of the tax credits that the government could spend nearly $800 billion. If Credit Suisse is correct, then the tax credits will unleash $1.7 trillion in private sector spending on green technologies. Within six years, solar and wind energy produced by the US will be the cheapest in the world. Alternative energies will cross a threshold: it will become financially irresponsible not to use them. Even though Joe Biden played a negligible role in the final negotiations, the Inflation Reduction Act exudes his preferences. He romanticizes the idea of factories building stuff. It is a vision of the Goliath of American manufacturing, seemingly moribund, sprung back to life. At the same time that the legislation helps to stall climate change, it allows the United States to dominate the industries of the future. This was a bill that, in the end, climate activists and a broad swath of industry could love. Indeed, strikingly few business lobbies, other than finance and pharma, tried to stymie the bill in its final stages. It was a far cry from the death struggles over energy legislation in the Clinton and Obama administrations, when industry scuppered transformational legislation. The Inflation Reduction Act will allow the United States to prevent its own decline. And not just economic decline. Without such a meaningful program, the United States would have had no standing to prod other countries to respond more aggressively to climate change. It would have been a marginal player in shaping the response to the planet’s greatest challenge. The bill was an investment in moral authority.

Being a child from outside, caregivers aren’t invested in your emotional development as much. They assume that having a roof over your head and food is enough. You can’t get away with being honest in these kinds of conversations without someone attempting to throw in some positivity and gratitude. But it never is about that; children need their emotional needs watered. And openly discussing this is where we begin to rectify the past.

The game is a thread, microscopic in breadth, a hint of gossamer drawing unsuspecting souls together in simple competition to the exclusion of all else, from a mother and infant playing peekaboo to two old men hunched over a chessboard and everything in between. And finally, it is the game's presence and past and its memory that inspires each of us to forgive time and aging and their inevitable accompanying attrition because the gray and hobbled old man before me was once lean and powerful and magnificent and some of what became of him was due to the investment he made in me...

Stock Guide material includes “Earnings and Dividend Rankings,” which are based on stability and growth of these factors for the past eight years. (Thus price attractiveness does not enter here.) We include the S & P rankings in our Table 15-1. Ten of the 15 issues are ranked B+ (= average) and one (American Maize) is given the “high” rating of A. If our enterprising investor wanted to add a seventh mechanical criterion to his choice, by considering only issues ranked by Standard & Poor’s as average or better in quality, he might still have about 100 such issues to choose from. One might say that a group of issues, of at least average quality, meeting criteria of financial condition as well, purchasable at a low multiplier of current earnings and below asset value, should offer good promise of satisfactory investment results.

Simons’s team appeared to have discovered something of a holy grail in investing: enormous returns from a diversified portfolio generating relatively little volatility and correlation to the overall market. In the past, a few others had developed investment vehicles with similar characteristics. They usually had puny portfolios, however. No one had achieved what Simons and his team had—a portfolio as big as $5 billion delivering this kind of astonishing performance.

All humans discount the future. We would rather have a million dollars today than in 30 years from now. We’d rather a flimsy bridge today, rather than a sturdy, durable bridge 5 years from now. We’d rather eat all the fish in the waters tonight, than to go a little hungry and leave fish for others in the future. To delay instant gratification requires cultural training. To be convinced of the value of investing into the future requires a kind of wisdom, knowledge, patience and trust that is gained from history, elders, and system thinking. It requires collective action and collaboration on a large and long scale. It requires civilization. Civilization is a system of trust, both in the goodness of humans today, but also in the ingenuity of humans in the future. It’s a way for humans to trust the future. Civilization is a social machine accumulated over many generations and is constantly being tested by new events. American society over emphasizes the individual's self-interest, and over-relies on the marketplace to solve social problems, and so coddles the short term. Modern Americanism tends to ignore the government which can take the long view because it is inefficient. But the calculus of efficiency is shifted when taking the long view. Storing adequate supplies for a population that are only used in an emergency is inefficient in the short term and this inefficiency is not something companies can afford to do. That short-term inefficiency, however, makes total sense in the long view because it is highly efficient over time. Investing into a communal project that may not pay off until you are long gone is not a natural reflex of modern Americans, whether liberal or conservative. The antidote to this natural focus on the short term is education and a shift in norms. As we continue to civilize ourselves, we can appreciate the gifts of past long-term work, and the need in our fast-moving world today to pay the gifts forward by investing into work that will likely pay off in future generations.

The definition of codependent is pretty serious. Some call it love, but that’s what I call dangerously in love. That is not healthy for the long haul. It can drive you insane if your existence depends on your partner’s existence. That’s why it is imperative that you fix yourself first. Do the work to learn, heal, forgive, and grow. Heal from the pain of your past. Heal from the abuse, abandonment, hurt, and pain. Gain new knowledge, and grow from those past experiences. Hire a therapist and life coach if you need professional insight and assistance in your process of healing. Make the investment in yourself, and get the help you need. It’s very dangerous to depend on another human being for validation.

That’s the power of hindsight bias—yet another way in which your inner con man works at trying to make you feel smarter than you really are. By preventing you from learning the truth about the investing past, hindsight bias keeps you from getting a firm grip on the financial future.

As Bobbi Bensman’s story shows, the conventional wisdom that every investor has a certain level of “risk tolerance” is little more than a lie. In reality, your perception of investment risk is in constant flux, depending on your memories of past experiences, whether you are alone or part of a group, how familiar and controllable the risk feels to you, how it is described, and what mood you happen to be in at the moment. The slightest change to any of these elements can turn you from a raging bull to a cowardly bear in a matter of seconds.

Imagine a tennis match in which Roger Federer is playing John, who is ranked 500 in the world. I ask you to bet 5 percent of your wealth on John winning the match. You refuse (I hope). But John wants you to bet on him. And so, before the match starts, in a face-to-face meeting with you, John makes an impassioned plea to ignore his ranking and recognize his innate talent. He speaks eloquently and makes a slick PowerPoint presentation on his plan to defeat Federer. John says he has been watching Federer’s game very closely for the past two years, and his plan, he believes, is exemplary. To bolster his claim, John invites one of the leading tennis coaches in the world, who admits that John’s plan is laudable and that he has a real chance of beating Federer. It’s decision time for you. Would you bet 5 percent of your wealth on John?

Dr. Ferris smiled. “No private businessman or greedy industrialist would have financed Project X,” he said softly, in the tone of an idle, informal discussion. “He couldn’t have afforded it. It’s an enormous investment, with no prospect of material gain. What profit could he expect from it? There are no profits henceforth to be derived from that farm.” He pointed at the dark strip in the distance. “But, as you have so well observed, Project X had to be a non-profit venture. Contrary to a business firm, the State Science Institute had no trouble in obtaining funds for the Project. You have not heard of the Institute having any financial difficulties in the past two years, have you? And it used to be such a problem—getting them to vote the funds necessary for the advancement of science. They always demanded gadgets for their cash, as you used to say. Well, here was a gadget which some people in power could fully appreciate. They got the others to vote for it. It wasn’t difficult. In fact, a great many of those others felt safe in voting money for a project that was secret— they felt certain it was important, since they were not considered important enough to be let in on it. There were, of course, a few skeptics and doubters. But they gave in when they were reminded that the head of the State Science Institute was Dr. Robert Stadler—whose judgment and integrity they could not doubt.

This may seem shrill, but in the United States, the birthplace of index investing, the trend is now stark, entrenched, and accelerating. Over the past decade, about 80 cents of every dollar that has gone into the US investment industry has ended up at Vanguard, State Street, and BlackRock. As a result, the combined stake in S&P 500 companies held by the Big Three has quadrupled over the past two decades, from about 5 percent in in 1998 to north of 20 percent today.

What, you might ask, has happened to Schumpeter's powerful forces of creative destruction? Barriers to entry-whether regulatory barriers, the cost of investment, or anticompetitive behavior by the corporations themselves-allow monopolistic firms to retain their power by preventing new firms from entering the industry. In big tech, large incumbents police the so-called kill zone in their marketplace by "hoovering up or squashing any potential competitors." Google, Amazon, and Microsoft have, between them, "collectively bought over 436 companies and startups in the past 10 years and regulators have not challenged any of them.

Tips for Purchasing Industrial Surplus Parts Industrial surplus equipment and parts are becoming increasingly popular as more companies turn to purchasing the components either for use or for refurbishment and resale. Industrial surplus parts are sold when an industrial manufacturer decides to get rid of these extra (or surplus) pieces, whether they are equipment or parts for putting together equipment, which can then be purchased by resellers or Industrial surplus buyers. For example: The most common type of parts sold for industrial surplus are electrical or electronics—because technology is increasing at a rapid past, it is not uncommon for the parts for electrical equipment to become obsolete when the latest model or latest technology is used. After the new model replaces the old, the parts and equipment are considered surplus. And also When we can buy surplus inventory from retailers or businesses is a great way to invest relatively little money and resell those inventory items for a significant profit. The following are some practical tips to keep in mind when purchasing industrial surplus parts. Tip: Research the surplus parts before purchasing Not all surplus parts are created equal, which is why you should never just purchase a surplus part because it seems like a good deal or because you have come across a new sale. It’s important to research the type of part, the manufacturer, whether it is used/non-used, and other relevant information. You want to be able to get more than what you paid for these surplus parts, if you are reselling, or to use the parts, if you are purchasing them for your own business; “jumping right in” could result in a waste of time, money and purchases. Tip: Never purchase certain parts without a warranty period Most surplus parts should have some kind of warranty or warranty period. This is especially true for electrical or electronic parts, which are more sensitive in nature. Do not purchase any electrical surplus parts if there is not a warranty period, as you will be risking your money. When possible, purchase other types of surplus parts only when there is an acceptable warranty period to help protect your purchase. Tip: Look for professional surplus retailers It might be tempting to look for an “underbelly” store that offers surplus parts at an extreme discount, but you should only do business with a professional retailer or manufacturer with a reputable reputation. When you choose little known surplus part resellers or sellers with poor reputations, you might be purchasing parts that are cobbled together or even stolen.

The north-east has, to a certain extent, been a victim of geography. Unlike the east and south of China, which straddle major international trading lanes, the north-eastern provinces’ two foreign neighbours are North Korea and the sparsely populated far east of Russia and it is not far from the equally desolate expanse of Mongolia. Their dominant commercial relations have been with Japan, but heightened tensions between China and Japan in the past couple of years have got in the way. Japanese investment in Liaoning was 33.5% lower year-on-year in the first three quarters of 2014. South Korean investment, about a third of Japan’s, fell even more sharply. Demography has also started to hurt. China as a whole is struggling to adapt as the working-age population peaks. The birth rate in the north-east, however, is less than one child per woman:

Immerse yourself in good books. Read one to two hours per week if you can, more if time permits. Become acquainted with the literary classics. Read as much as you can on personal improvement (self help), history, people, business, and finances. Study the great works of the philosophers. Study scriptures and read about religions and anything that adds value to religious beliefs. Invest in yourself! Learn as much as you can and become a student of life. You can learn a great deal from the experiences of others, from their great successes and also from their failures. Everything you read becomes part of you. Carefully choose what you read on a daily basis. Be very careful with what you choose to read. The words you choose to read play an important role in your personal development and overall outlook on life. Be open-minded about what you read and often take what you read with a grain of salt. Much of what we read is written through colored lenses and is the summation of someone else’s thought, habit, education, beliefs, and past and present life experiences.

If a social and democratic city is going to be built again, it will most probably be built by those who have no investment in the past, no fond memory of it. That isn’t to say they’ll be building on nothing. There is something to conserve, Tony Judt was right about that much – the very fact a publicly owned Carpenters Estate existed at all was the reason why it sat empty, and the reason why the slogan of the young mothers who occupied it could be so clear and so practical: ‘These people need homes, these homes need people.’ Such words are unlikely to find their way into white letters on a red poster, with an emblem of the crown above them. If we’re ever going to escape from austerity, this clear statement of collective utility is the most likely way out.

Persson did not create Minecraft because he wanted to create a billion-dollar company; he loved video games and kept his day job while developing it. When the game soared in popularity, he started a company, Mojang, with some of the profits, but kept it small, with just 12 employees. Even with zero dollars spent on marketing and no user instructions, Minecraft grew exponentially, flying past the 100 million registered user mark in 2014 based largely on word of mouth.2 Players shared user-generated extras like modifications (“mods”) and custom maps with each other, and the game caught on not only with children but their parents and even educators. Still, Persson avoided the valuation game, refusing an investment offer from former Facebook president Sean Parker. Finally, he and his co-founders sold Mojang to Microsoft for $2.5 billion, a fortune built on one man’s focus on creating something that people loved.3 On the other end of the spectrum is Zynga, one of the fastest startups ever to reach a $1 billion valuation.4 The social game developer had its first hit in 2009 with FarmVille. Next came Zynga’s partnership with Facebook that turned into a growth engine. The company began trading on the NASDAQ in December 2011 and had 253 million active users per month as late as the first quarter of 2013.5 Then the relationship with Facebook ended and the wheels started coming off. Flush with IPO cash, Zynga started exhibiting all the symptoms of ego-driven, grow-at-any-cost syndrome. They moved into a $228 million headquarters in San Francisco. They began hastily acquiring companies like NaturalMotion, Newtoy, and Area/Code. They infuriated customers by launching new games without sufficient testing and filling them with scripts that signed players up for unwanted subscriptions and services. When customer outrage went viral, instead of focusing on building better products, Zynga hired a behavioral psychologist to try to trick customers into loving its games.6 In a 2009 speech at Startup@Berkeley, CEO Mark Pincus said, “I funded [Zynga] myself but I did every horrible thing in the book to just get revenues right away. I mean, we gave our users poker chips if they downloaded this Zwinky toolbar, which . . . I downloaded it once — I couldn’t get rid of it. We did anything possible just to just get revenues so that we could grow and be a real business.”7 By the spring of 2016, Zynga had laid off about 18 percent of its workforce and its share price had declined from $14.50 in 2012 to about $2.50.

Within dominant discourses of autism advocacy, the autistic subjectivity—located simultaneously in the perpetual past (e.g. developmentally 'too slow' and always late) and the future (e.g. yet-to-be developed)—is discursively foreclosed from being (existing) in the privileged and agentive time of the 'now.' Via a kind of time-sensitive investment logic, autism is understood not as a being but as a happening—a costly body, a disruptive threat, a risky trend, and so on—a happening, moreover, that is happening fast.

A few major opportunities, clearly recognizable as such, will usually come to one who continuously searches and waits, with a curious mind loving diagnosis involving multiple variables. And then all that is required is a willingness to bet heavily when the odds are extremely favorable, using resources available as a result of prudence and patience in the past.” Charles T. Munger Frequently overshadowed by Warren Buffett, his partner in the $300 billion Berkshire Hathaway holding company, Charlie Munger is a quiet, reclusive figure. Rarely making public appearances, the unostentatious billionaire spends most of his time as Buffett does: reading, thinking, and managing Berkshire Hathaway from his home in Southern California. Buffett and Munger have, over the course of their careers, amassed a multi-billion dollar empire with a brilliant-in-its-simplicity investment strategy: value investing.

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

The danger facing the agency today is irrelevance to national security. In 2003, when the American military in Iraq found that its greatest threat was not from tanks and missiles but from roadside bombs, and the Pentagon did not, as it once did, turn to DARPA, an agency stacked with top-notch technical personnel and decades of experience in bomb detection. Instead, it created an entirely new organization that was largely bereft of the type of science and technology expertise long resident in DARPA.What followed is hardly surprising: billions of dollars were spent, and yet casualties from bombs continued to increase. Today, the agency's past investments populate the battlefield: The Predator, the descendant of Amber, has enabled the United States to conduct push-button warfare from afar, killing enemies from the comfort of air-conditioned trailers in the United States.

The HR department is like the soldiers in the movie 300, holding the line. They have no power to say ‘yes’ but enormous power to say ‘no.’ Their job is to prevent you from moving forward. Find a way to vault past them by getting introductions to people who can say ‘yes.

Finally, it was Evan’s turn. Showtime. He approached the front of the room like the entrance to a party, strutting confidently to show the crowd what he, Reggie, and Bobby had been working on tirelessly for the past six weeks. Confident and comfortable, Evan enthusiastically explained to the other thirty students, two professors, and half a dozen venture capitalists that not every photograph is meant to last forever. He passionately argued that people would have fun messaging via pictures. The response? Less than enthusiastic. Why would anyone use this app? “This is the dumbest thing ever,” seemed to be the sentiment underlying everyone’s tones. One of the venture capitalists suggested that Evan make the photos permanent and work with Best Buy for photos of inventory. The course’s teaching assistant, horrified, pulled Evan aside and asked him if he’d built a sexting app. The scene was reminiscent of another Stanford student’s class presentation half a century earlier. In 1962, a student in Stanford’s Graduate School of Business named Phil Knight presented a final paper to his class titled “Can Japanese Sports Shoes Do to German Sports Shoes What Japanese Cameras Did to German Cameras?” Knight’s classmates were so bored by the thesis that they didn’t even ask him a single question. That paper was the driving idea behind a company Knight founded called Nike. The VCs sitting in Evan’s classroom that day likely passed up at least a billion-dollar investment return. But it’s very easy to look at brilliant ideas with the benefit of hindsight and see that they were destined to succeed. Think about it from their perspective—Picaboo’s pitch was basically, “Send self-destructing photos to your significant other.” Impermanence had a creepy vibe to it, belonging only to government spies and perverts. With the benefit of hindsight, we can see that Facebook developed the conditions that allowed Snapchat to flourish. But it wasn’t at all obvious watching Evan’s pitch in 2011 that this was a natural rebellion against Facebook or that it would grow beyond our small Stanford social circle.

In February 2017, the Institute of International Finance reported that capital flows to emerging markets remained flat, at around US$680 billion, with high downside risks for FDI. Financial market expectations for interest rate hikes in the United States are a contributing factor to weakness in capital flows destined for the emerging markets, as investors look to gain from higher-interest-rate environments. However, the anemic economic growth conditions across the developing world also lower the opportunity for returns and hurt capital inflows. The softness in capital flows to emerging economies could prove more damaging in the long term as the prospects for economic growth continue to wane. Already the world’s largest and most strategically vital emerging nations—such as Argentina, Brazil, Colombia, India, Indonesia, Mexico, South Africa, and Turkey—are only growing at 3 percent or less a year. Ever more damning is the implication of the IMF’s October 2014 “World Economic Outlook” that the world will never again see the rates of growth witnessed prior to 2007.12 This weak economic backdrop comports with a weak capital inflow story. According to the Reserve Bank of Australia, the movement of money through the financial system has been stagnant over the past decade. In dollar terms, cross-border capital inflows among the G20 economies have fallen nearly 70 percent since mid-2007.13 Ultimately, slow economic growth leads to decreased investment, which in turns leads to even slower growth.

Your committee is satisfied from the proofs submitted ... that there is an established and well defined identity and community of interest between a few leaders of finance ... which has resulted in great and rapidly growing concentration of the control of money and credit in the hands of these few men.... Under our system of issuing and distributing corporate securities the investing public does not buy directly from the corporation. The securities travel from the issuing house through middlemen to the investor. It is only the great banks or bankers with access to the mainsprings of the concentrated resources made up of other people's money, in the banks, trust companies, and life insurance companies, and with control of the machinery for creating markets and distributing securities, who have had the power to underwrite or guarantee the sale of large-scale security issues. The men who through their control over the funds of our railroad and industrial companies are able to direct where such funds shall be kept, and thus to create these great reservoirs of the people's money are the ones who are in a position to tap those reservoirs for the ventures in which they are interested and to prevent their being tapped for purposes which they do not approve.... When we consider, also, in this connection that into these reservoirs of money and credit there flow a large part of the reserves of the banks of the country, that they are also the agents and correspondents of the out-of-town banks in the loaning of their surplus funds in the only public money market of the country, and that a small group of men and their partners and associates have now further strengthened their hold upon the resources of these institutions by acquiring large stock holdings therein, by representation on their boards and through valuable patronage, we begin to realize something of the extent to which this practical and effective domination and control over our greatest financial, railroad and industrial corporations has developed, largely within the past five years, and that it is fraught with peril to the welfare of the country.3 Such was the nature of the wealth and power represented by those six men who gathered in secret that night and travelled in the luxury of Senator Aldrich's private car.

It is easy to enter every moment of a day so burdened down as we try to carry all of our hopes and fears for that day, that we miss the good in every moment. Every moment is worth investing a full moment in. How we approach every moment matters. Shakespeare said in Antony and Cleopatra, “Give me my robe. Put on my crown. I have immortal longings in me.” Our innermost longing is not merely to survive, but to thrive, and we share that longing with everyone else. Connection comes most intimately from looking for that innermost longing in others and ourselves. Love says, as Jordan Peterson wrote, “I want the best, for what wants the best in you.” We ought to love ourselves and want the best for what wants the best in us. There is a longing inside to love without reserve or limits and allow ourselves to be loved with ultimate vulnerability. We are more than what we can hide behind a mask, and there is no reason we should try to hide it. We are not the chemical mess we feel like at times, we are amazing—we defy the law of the universe that says all things trend towards chaos and emptiness. Walt Whitman said, “I am not contained between my hat and my boots.” We are not contained between our fears and our past experiences either. We are born with awareness, imagination and will-power, and combined with any other awareness, imagination and will-power both will be increased; that is the value of connecting. What we are born with is all we have or need to give. You were born worthy of connection, don’t ever second guess it! Yes, it may be dangerous to open up and let people into our life, but it is fatal to attempt to keep people out. Choose love, choose to see the goodness in life unbiasedly wherever it may be, and choose to make life better for yourself and everyone, whether or not anyone else wants to help. It is very normal and understandable to want to feel heard, seen and appreciated; at some point however, we have to make the decision to say what most merits hearing, do what is most worth seeing, and give what is most worth appreciating, whether or not anyone sees, hears or appreciates it. There is a saying that “integrity is how you act when you think no one is looking.” I say that character is what we do despite all that would sway us otherwise, whether that be potential for fame or fear of insignificance. "No positive effort is so small that good things won’t come from it, so do it!

In the past decade, the historically consistent division in the United States between the share of total national income going to labor and that going to physical capital seems to have changed significantly. As the economists Susan Fleck, John Glaser, and Shawn Sprague noted in the U.S. Bureau of Labor Statistics’ Monthly Labor Review in 2011, “Labor share averaged 64.3 percent from 1947 to 2000. Labor share has declined over the past decade, falling to its lowest point in the third quarter of 2010, 57.8 percent.” Recent moves to “re-shore” production from overseas, including Apple’s decision to produce its new Mac Pro computer in Texas, will do little to reverse this trend. For in order to be economically viable, these new domestic manufacturing facilities will need to be highly automated. Other countries are witnessing similar trends. The economists Loukas Karabarbounis and Brent Neiman have documented significant declines in labor’s share of GDP in 42 of the 59 countries they studied, including China, India, and Mexico. In describing their findings, Karabarbounis and Neiman are explicit that progress in digital technologies is an important driver of this phenomenon: “The decrease in the relative price of investment goods, often attributed to advances in information technology and the computer age, induced firms to shift away from labor and toward capital. The lower price of investment goods explains roughly half of the observed decline in the labor share.

The game is a thread, microscopic in breadth, a hint of gossamer drawing unsuspecting souls together in simple competition to the exclusion of all else, from a mother and her infant playing peekaboo to two old men hunched over a chessboard and everything in between. The game unifies, joining father and son pitching baseballs at night after a long day at the office, pitches pounding the mitt or skipping past, one time even knocking the coffee cup handle clean off and the boy scampering off to retrieve a wild one as the dad sips and ponders. The game allows brothers to bond even when the age gap is too great for real competition, their mutual effort to fashion a bridge between disparate age and ability forming a bond of trust and respect. And finally, it is the game’s presence and past and its memory that inspires each of us to forgive time and aging and their inevitable accompanying attrition because the gray and hobbled old man before me was once lean and powerful and magnificent and some of what became of him was due to the investment he made in me and after all the batting practice he threw and grounders he hit, his shoulder aches and his knees need replacement. Even though youth masks it so you don't realize it all when you’re a kid, someday it happens to you and suddenly you realize you are him and you are left wishing you could go back and tell him what you now know and perhaps thank him for what he gave up. You imagine him back then receiving nothing in return except the knowledge that you would someday understand but he could not hasten that day or that revelation and he abided it all so graciously knowing that your realization might be too late for him. So you console yourself that in the absence of your gratitude he clung to hope and conviction and the future. Turn the page and you find yourself staring out at the new generation and you wince as his pitches bruise your palm and crack your thumb and realize that today the game is growth and achievement and tomorrow it will be love and memories. The game is a gift.

His name is C. J. Skender, and he is a living legend. Skender teaches accounting, but to call him an accounting professor doesn’t do him justice. He’s a unique character, known for his trademark bow ties and his ability to recite the words to thousands of songs and movies on command. He may well be the only fifty-eight-year-old man with fair skin and white hair who displays a poster of the rapper 50 Cent in his office. And while he’s a genuine numbers whiz, his impact in the classroom is impossible to quantify. Skender is one of a few professors for whom Duke University and the University of North Carolina look past their rivalry to cooperate: he is in such high demand that he has permission to teach simultaneously at both schools. He has earned more than two dozen major teaching awards, including fourteen at UNC, six at Duke, and five at North Carolina State. Across his career, he has now taught close to six hundred classes and evaluated more than thirty-five thousand students. Because of the time that he invests in his students, he has developed what may be his single most impressive skill: a remarkable eye for talent. In 2004, Reggie Love enrolled in C. J. Skender’s accounting class at Duke. It was a summer course that Love needed to graduate, and while many professors would have written him off as a jock, Skender recognized Love’s potential beyond athletics. “For some reason, Duke football players have never flocked to my class,” Skender explains, “but I knew Reggie had what it took to succeed.” Skender went out of his way to engage Love in class, and his intuition was right that it would pay dividends. “I knew nothing about accounting before I took C. J.’s class,” Love says, “and the fundamental base of knowledge from that course helped guide me down the road to the White House.” In Obama’s mailroom, Love used the knowledge of inventory that he learned in Skender’s class to develop a more efficient process for organizing and digitizing a huge backlog of mail. “It was the number-one thing I implemented,” Love says, and it impressed Obama’s chief of staff, putting Love on the radar. In 2011, Love left the White House to study at Wharton. He sent a note to Skender: “I’m on the train to Philly to start the executive MBA program and one of the first classes is financial accounting—and I just wanted to say thanks for sticking with me when I was in your class.

Life expectancy rose only modestly between the Neolithic era of 8500 to 3500 BC and the Victorian era of 1850 to 1900.13 An American born in the late nineteenth century had an average life expectancy of around forty-five years, with a large share never making it past their first birthdays.14 Then something remarkable happened. In countries on the frontier of economic development, human health began to improve rapidly, education levels shot up, and standards of living began to grow and grow. Within a century, life expectancies had increased by two-thirds, average years of schooling had gone from single to double digits, and the productivity of workers and the pay they took home had doubled and doubled and then doubled again. With the United States leading the way, the rich world crossed a Great Divide—a divide separating centuries of slow growth, poor health, and anemic technical progress from one of hitherto undreamed-of material comfort and seemingly limitless economic potential. For the first time, rich countries experienced economic development that was both broad and deep, reaching all major segments of society and producing not just greater material comfort but also fundamental transformations in the health and life horizons of those it touched. As the French economist Thomas Piketty points out in his magisterial study of inequality, “It was not until the twentieth century that economic growth became a tangible, unmistakable reality for everyone.”15 The mixed economy was at the heart of this success—in the United States no less than in other Western nations. Capitalism played an essential role. But capitalism was not the new entrant on the economic stage. Effective governance was. Public health measures made cities engines of innovation rather than incubators of illness.16 The meteoric expansion of public education increased not only individual opportunity but also the economic potential of entire societies. Investments in science, higher education, and defense spearheaded breakthroughs in medicine, transportation, infrastructure, and technology. Overarching rules and institutions tamed and transformed unstable financial markets and turned boom-bust cycles into more manageable ups and downs. Protections against excessive insecurity and abject destitution encouraged the forward-looking investments and social integration that sustained growth required. At every level of society, the gains in health, education, income, and capacity were breathtaking. The mixed economy was a spectacularly positive-sum bargain: It redistributed power and resources, but as its impacts broadened and diffused, virtually everyone was made massively better off.

Opera halls, ballets, and large art museums receive more funding--and not all from the government--than do popular art and what might be considered popular music venues...But there are plenty of innovative musicians...who have had as much trouble surviving as symphony orchestras and ballet companies...Why not invest in the future of music, instead of building fortresses to preserve its past?...The 2011 annual operating budget for the New York Metropolitan Opera is $325 million; a big chunk of that, $182 million, came from donations from wealthy patrons.

To invest into a memory that will only take you down a road that cannot be traveled is futile and counter-productive. It takes us away from the here and now, and it only impedes our well-being when we give nostalgic cadence to this venture.

If it seems unfair for banks to discriminate against you because your high school buddy is bad at paying his bills or because you like something that a lot of loan defaulters also like, well, it is. And it points to a basic problem with induction, the logical method by which algorithms use data to make predictions. Philosophers have been wrestling with this problem since long before there were computers to induce with. While you can prove the truth of a mathematical proof by arguing it out from first principles, the philosopher David Hume pointed out in 1772 that reality doesn’t work that way. As the investment cliché has it, past performance is not indicative of future results.

Suggestions were given on how to promote mental flexibility. Included were the following: Try to identify with the central person, object, or process in the center of the problem. See how the problem looks from this vantage point. Try to “see” the solution—to visualize how various parts might work together, how a certain situation will work out. Scan rapidly through a large number of possible solutions, ideas, and data. The “right” solution will often appear with a sort of intuitive “knowing” that it is the answer. You will also find that you can be simultaneously aware of an uncommonly large number of ideas or pieces of data processes simultaneously. You will be able to step back from the problem and see it in a new perspective, in more basic terms. Since there is much less of yourself invested than in your prior trials, you will be able to abandon previously tried approaches and start afresh. Above all, don’t be timid about asking for answers. If you want to see the solution in a three-dimensional image, or to project yourself forward in time, or to view some microscopic physical process or something not visible to the physical eye, or to reexperience some event out of the past, by all means do so. Ask. Don’t let your questions be limited by your notion of what can or cannot be done.

these economic demands—for basic public services that work, for decent housing, for land redistribution—represent nothing less than the unfinished business of the most powerful liberation movements of the past two centuries, from civil rights to feminism to Indigenous sovereignty. The massive global investments required to respond to the climate threat—to adapt humanely and equitably to the heavy weather we have already locked in, and to avert the truly catastrophic warming we can still avoid—is a chance to change all that; and to get it right this time. It could deliver the equitable redistribution of agricultural lands that was supposed to follow independence from colonial rule and dictatorship; it could bring the jobs and homes that Martin Luther King dreamed of; it could bring jobs and clean water to Native communities; it could at last turn on the lights and running water in every South African township. Such is the promise of a Marshall Plan for the Earth. The

Thanksgiving has become the first day of what in now thought of as the “Holy or Holiday Season.” The “holidays” as they are generally known, are an annually recurring period of time from late November to early January. These days are also recognized by many other countries as well, with the “Christmas Tree” and all the trimmings, generally being considered secular. This period of time incorporates the shopping days, which comprises a peak season for the retail market. Regardless of religious affiliation, children and adults alike enjoy the many window displays and Christmas tree lighting ceremonies. To a great extent it really doesn’t matter that there are still some people believing that the commercialism of these holidays is blasphemy and that they should be reserved strictly for worship. There are virtually, no valid reasons why we can’t all enjoy these days in our own way. Children of all faiths and ages should be able to understand the true meaning and still be able to enjoy the music, surprises and magic of the season… This year we are again faced with a severely, politically divided country; with a great number of people fearing for their future. It might be too much to hope for, that politicians will be able to put aside their differences. Unfortunately many of them still believe that their hypocritical concept of Christianity is greater than that of their opposition. Regardless, they should however understand that we are all equal in the eyes of God as well as the law, and that America was built by a diverse people. Let us not slip back into a newer form of “Small Minded Bigotry,” but rather forge ahead in a unified way making our country stronger. The time has come to energize our nation by rebuilding our bridges and highways. Rebuilding our airports, investing in high-speed trains, and making education affordable is the way to a more productive future. If we head down this ambitious path of development, we will create jobs and put more people to work. It will help the middle class to regain their footing and it will strengthen our slowly growing economy. When our citizens earn more, the economy will lift us all out of the recession that so many.

The Williams %R Indicator   You should use this tool to identify oversold and/or overbought stocks in the market. Here, you need to compare the stock's closing price with the high-low price range of a certain time period.   The formula of “%R” is simple: subtract the closing price of the stock from the lowest price of the past “N” number of days, and divide the value by the highest price minus the lowest price of the past “N” number of days. With this computation, you can determine the possible closing price of the stock for the next few days.

And Duncan?” the other woman asked gently. Alex took a deep breath, avoiding her eyes. “Duncan and I have very different plans for our lives. I wish it would have worked out, but it didn’t.” Shannon looked sadder than she had the entire time Alex had been there. “I’m sorry, Shannon. I know you guys put a lot of planning and hope into bringing me out here, but we’ve got an issue we just can’t get past. And though we had fun at the beginning, we had to break it off before we became too invested and couldn’t.” “Sounds like a bullshit excuse,” John said, turning from the window. “Excuse me?” “You two could make it work.” Sighing, she leaned back against the chair, tired. “Perhaps. Duncan has to believe it though. You heard him at the house, John. He doesn’t want to be a father, and I very much want to be a mother. That is a very big dividing point.” “It will change though.” He rolled closer to her. “If you had told me six months ago I was going to be happy about being a father, I would have laughed in your face.” His eyes drifted to Shannon, and Alex’s heart ached at the love she saw between them. “But now that I know, it’s a very different situation. Yes, I’m paralyzed, but that doesn’t mean I will love them any less.” Alex

Currently, I am very focused on dividends - accepting that few shares are likely to show capital growth in the short term. From my higher-yielding stocks, I am hoping for maintenance of dividends - a dividend increase is a bonus; a "passing" or slashing of the payment is bad news. These board decisions reflect not only the profitability/debt levels of the company, but also its attitude to shareholder dividends, so past dividend history is an important consideration - as is the size of directors' holdings.

Senile imperialism What we are seeing then is this: the highest stage of capitalism has gone past its own high point and is elapsing as a historical epoch – automation is undoing the economic relations that underpin imperialism. The productive forces now demand a higher mode of production altogether. Monopoly capitalism had a chance of surviving despite the turmoil it wrought 100 years ago because it was still in its infancy, when the law of value still had plenty of life left in it given that full automation was a distant reality. Today imperialism is old and senile with nowhere left to go but ‘home’, and highly developed automation has brought the expiration of the law of value into view. This is being expressed, even as the world economy becomes increasingly integrated technologically, through the weakening of ‘globalisation’, which, contrary to neoliberal propaganda, was in retreat before the emergence of Britain’s ‘Brexit’ from the EU and the election of Trump. In 2015-16, the G20 economies introduced a record number of trade-restrictive measures, at 21 per month.[236] More precisely, the rising organic composition of capital in developing countries is undermining imperialist economic relations. Over-accumulations of capital are now so great that it is becoming more and more unprofitable to invest at home or overseas.

What can I do now? What is the purpose of my life? I have four point five billion dollars and an international oil company. But what good is all that? Humans have surely invested more than forty-five billion dollars in saving species near extinction. And probably more than four hundred and fifty billion has already been spent on saving the environment from degradation. But what’s the use? Civilization continues to follow its path of destruction of all life on Earth except humans. Four point five billion is enough to build an aircraft carrier, but even if we build a thousand aircraft carriers, it would be impossible to stop the madness of humanity.

You are too afraid to let go of the past and live your life to its fullest. You have envied people so, you never invested in living each day. You have always viewed life passing by you in fast lane. You are too afraid to let go of the past and live your life to its fullest. You have envied people so, you never invested in living each day. You are spending your time hiding out from the world. You are searching for the ways to escape from the world around you. You truly believed that you were here to help somebody else. You make excuses to avoid living life for yourself. Your life and the pain you endure can weaken strength to move on. You get lost in the scars of your past without knowing life will be gone. You know that people are disappointing you, but you can’t avoid hurting yourself." - Shwin J Brad

He’d lie to you about what time of day it is—just for the practice.” And indeed, a close study of Trump’s actions over the past few years reveals a man addicted to deception, a man who invested like a fool, a man who shaved from deals and bled failing companies of cash so that he could live with absurd excess, a man who borrowed huge amounts from credulous banks and investors, a man who not only is not now a billionaire but never had $1 billion or $500 million or—very possibly—even $100 million and who has been strapped since 1987. Donald Trump is not just some cartoon character, a guy with a comb-over and a press agent and a board

Over the past thirty years the orthodox view that the maximisation of shareholder value would lead to the strongest economic performance has come to dominate business theory and practice, in the US and UK in particular.42 But for most of capitalism’s history, and in many other countries, firms have not been organised primarily as vehicles for the short-term profit maximisation of footloose shareholders and the remuneration of their senior executives. Companies in Germany, Scandinavia and Japan, for example, are structured both in company law and corporate culture as institutions accountable to a wider set of stakeholders, including their employees, with long-term production and profitability their primary mission. They are equally capitalist, but their behaviour is different. Firms with this kind of model typically invest more in innovation than their counterparts focused on short-term shareholder value maximisation; their executives are paid smaller multiples of their average employees’ salaries; they tend to retain for investment a greater share of earnings relative to the payment of dividends; and their shares are held on average for longer by their owners. And the evidence suggests that while their short-term profitability may (in some cases) be lower, over the long term they tend to generate stronger growth.43 For public policy, this makes attention to corporate ownership, governance and managerial incentive structures a crucial field for the improvement of economic performance. In short, markets are not idealised abstractions, but concrete and differentiated outcomes arising from different circumstances.

Today, almost half of our engineers company-wide are developing software—a massive change from years past.

With investment levels so high and already being misallocated on a massive scale, the central government might have preferred higher consumption. But China’s myriad institutional constraints, which we will discuss in more detail later in the chapter, meant that consumption could not have grown quickly enough except through a surge in household borrowing. Unsurprisingly, given what the Chinese leadership had just seen occur in the United States, there was no interest in a similar experience. That is why the government chose to focus on boosting investment. The most straightforward response to the global financial crisis was a massive boost in infrastructure and housing investment to offset the decline in foreign spending. This simultaneously magnified China’s long-standing imbalances while shifting them inward. China was able to sustain growth even as its current account surplus fell at the cost of a nearly unprecedented surge in Chinese indebtedness. Unproductive investments have failed to pay for themselves.2 The danger is that the Chinese government, having reached the limits of its ability to generate rapid growth through debt-funded investment, will once again attempt to shift the costs of its economic model to the rest of the world through trade surpluses and financial outflows. The only way to prevent this is to rebalance the Chinese economy so that household consumption is prioritized over investment. That means reversing all of the existing mechanisms transferring purchasing power from Chinese workers and retirees to companies and the government—reforms at least as dramatic and politically difficult as the reforms implemented by Deng Xiaoping beginning in 1978. Unfortunately for China, the choices of the past few decades have become politically entrenched. It is easy for an antidemocratic authoritarian regime to suppress workers’ rights and shift spending power from consumers to large companies. Stalin did it, after all. The problem is that years of state-sponsored income concentration creates a potent group of “vested interests”—Premier Li Keqiang’s preferred term—that will fiercely resist any reforms that would shift spending power back to consumers. Any successful adjustment

The trip had been a dream for almost two decades, relegated to the back of the line behind an ever-growing list of responsibilities. Each passing moment brought a new list of reasons for putting it off. One day, Julie realized that if she didn’t do it now, she would never do it. The rationalizations, legitimate or not, would just continue to add up and make it harder to convince herself that escape was possible. One year of preparation and one 30-day trial run with her husband later, they set sail on the trip of a lifetime. Julie realized almost as soon as the anchor lifted that, far from being a reason not to travel and seek adventure, children are perhaps the best reason of all to do both. Pre-trip, her three little boys had fought like banshees at the drop of a hat. In the process of learning to coexist in a floating bedroom, they learned patience, as much for themselves as for the sanity of their parents. Pre-trip, books were about as appealing as eating sand. Given the alternative of staring at a wall on the open sea, all three learned to love books. Pulling them out of school for one academic year and exposing them to new environments had proven to be the best investment in their education to date. Now sitting in the plane, Julie looked out at the clouds as the wing cut past them, already thinking of their next plans: to find a place in the mountains and ski all year long, using income from a sail-rigging workshop to fund the slopes and more travel. Now that she had done it once, she had the itch.

Looking back on her life and the factors that affected her decisions was a really important step in Lisa’s healing process. She began to expose faulty ways of thinking that she had never questioned before. She processed this new information and allowed it to transform her life. She started making decisions based on the truth that God had shown her through his Word and through counseling. Lisa is proof that when you know better, you do better. Her new understanding had a profound impact on her life; slowly she began looking at dating in a new light. She made up her mind not to settle for less than God’s best, and she took the next few months to invest in herself by allowing God to heal her emotional wounds before she reentered the world of dating. This, my friends, is the ultimate goal of dating yourself. It is the art of digging deep and taking a hard look at where you have come from in order to light the path to where you are going. It is the process of learning from your past as you are empowered to choose your future. It is the opportunity to get real with yourself in the most intimate and transparent way. It is the journey of taking the pain of your past and turning it into perspective as you make changes for a healthier future. It’s time to look forward and be freed.

Treat Your Manager as a Coach Given what we’ve discussed about the role of managers, your own boss should be one of your best sources of learning. But this might not naturally be the case. Maybe he doesn’t see the day-to-day of your work, or he’s busy putting out other fires, or he simply isn’t as proactive about helping to guide your path as you’d like. Regardless, the person most invested in your career isn’t him; it’s you. Your own growth is in your hands, so if you feel you aren’t learning from your manager, ask yourself what you can do to get the relationship that you want. One of the biggest barriers I’ve found is that people shy away from asking their managers for help. I know that feeling well; for years, I held the mental model that my boss—like my teachers and professors of the past—was someone in a position of authority who took note of what I did and passed judgment on it. As such, how I interacted with my manager could be summarized in one neat statement: Don’t mess it up. I considered it a failure if my manager had to get involved in something I was responsible for. It felt to me like the equivalent of a blinking neon sign that read, Warning: employee not competent enough to take care of task on her own. But we know by now that a manager’s job is to help her team get better results. When you do better, by extension, she does better. Hence, your manager is someone who is on your side, who wants you to succeed, and who is usually willing to invest her time and energy into helping you. The key is to treat your manager as a coach, not as a judge. Can you imagine a star athlete trying to hide his weaknesses from his coach? Would you tell a personal trainer, “Oh, I’m pretty fit, I’ve got it under control,” when she asks you how she can help you achieve a better workout? Of course not. That is not how a coaching relationship works. Instead, engage your manager for feedback. Ask, “What skills do you think I should work on in order to have more impact?” Share your personal goals and enlist his help: “I want to learn to become a better presenter, so I’d be grateful if you kept an eye out for opportunities where I can get in front of others.” Tell him your hard problems so he can help you work through them: “I’m making a hiring call between two candidates with different strengths. Can I walk you through my thinking and get your advice?” When I started to see 1:1s with my manager as an opportunity for focused learning, I got so much more out of it. Even when I’m not grappling with a problem, asking open-ended questions like, “How do you decide which meetings to attend?” or “How do you approach selling a candidate?” takes advantage of my manager’s know-how and teaches me something new.

Other psychological tricks we play on ourselves include the recency bias and sample size bias. The recency bias says that we weight recent information more heavily than a body of past evidence. As a result, we tend to overrate players who have done well recently even if they did poorly in the past. Sample size bias is related. The natural tendency is to extract more meaning from small samples than the data warrant. Psychologists who study these biases can teach us a great deal about why we struggle to sort out skill and luck.

Talking of lovely things, I find that yet again, Tayven is not here when I visit. Are you keeping him from me, Darris?” Maycarpe pulled a rueful face. “You are unkind, and know very well that your visit was impromptu. How could I have forseen it? Almorante raised an eyebrow. Maycarpe ignored the implication. “Tayven is not here. He is in Cos.” “I would like to speak to him and, out of deference for his experiences, have refrained from summoning him formally to Magrast, but it would gratify me if you could arrange a meeting. I will be returning to Mewt in a couple of months’ time.” Maycarpe lifted his hands. “I will do what I can, but Hirantel is a law until himself.” “He is a Magravandian subject,” Almorante said quietly. “I don’t want to exert my prerogative, but he must accept he cannot run from the past forever. I invested a great deal in him. No expense was spared in rescuing him from Cos.” “I have told him that,” Maycarpe said, “but perhaps because it was actually my people who eventually unearthed him, he feels he was abandoned by the royal house. A wrong assumption, of course, but Tayven’s experiences have changed him. He is a bitter man, even dangerous in his melancholy.

The real reason that students and increasingly teachers of art history are ready to jettison the past, however, is that the refusal of the authority of the past is the very program of modern art. To invest in modern art existentially is to agree to carry out that program. The investment in modern art entails contempt for the past. The inverse is true as well, although some would deny it. I would maintain that it is only possible to say something insightful about contemporary art from a standpoint well inside the magic circle. The rest of us on the outside, who do not live but only look at contemporary art, always misrecognize it.

A Life of Disappointment When we reached our destination [after our wedding] I was dismayed by what I saw, so different from my home, so backward and dismal. I would escape from it as much as I could. Mama needed me still and insisted I visit her often. In the first years of my marriage, I spent more time with her than in my new home, and was glad of it. I felt I did not fit in with the small talk and mentality of the people who surrounded me. - Alice is a natural talker and her thoughts flow freely through my pen. - It did not take long for me to understand the reality of my situation and become disenchanted, but I loved Louis and made the most of it. I busied myself with unpopular activities, with work deemed unsuitable for a Princess and future Duchess, but I was a rebel by nature, and persevered with Louis' support. He was very good and eager to please me, though he did not understand me. As my rift with my Mother deepened, I got more involved in public work at home and I even met an intellectual Soulmate, someone I could discuss things I could not do with my husband. This gave me fresh energy to invest in my work, but it all came to an end. More changes were on the way. The death of Louis' Father threw more responsibilities on Our shoulders. Little did I know - she adds with a sighs - that my time, too, was running out. - I feel her distress and ask softly: What is that pains you so much, why not let it go? I wish my life had been different, but I do not regret having children, they were a joy to me. I wish I had been a man, more in command of my life. Why do I linger? What is this pain I steel feel? - she asks looking at me - I do not know, perhaps the incompleteness of that Life, unfulfilled, of what it could have been and was not. - Alice whispers, her voice dying down. [30.8.17] Princess Alice of Hesse [Married 1 July 1862]

Research has shown that the winners in any endeavor think, feel, and act differently than those who lose. If you want to know if you have the self-discipline of a winner, try right now, starting today, to stop a habit that has challenged you in the past. If you have always wanted to be in better physical shape, try adding exercises such as running into your routine, and also take control of your salt and sugar intake. If you drink too much alcohol or coffee, try to see if for one month you can stay away from them. These are excellent tests to see if you are emotionally and intellectually strong enough or not to discipline yourself in the face of a losing trade. I am not saying that if you drink coffee or alcohol, or that if you are not a regular runner, you cannot become a successful trader, but if you make a try at these types of improvements and fail, then you should know that exercising self-control in trading will not be any easier to accomplish. Change is hard, but if you wish to be a successful trader, you need to work on changing and developing your personality at every level. Working hard at it is the only way to sustain the changes you need to make. The measure of intelligence is not in IQ tests or how to make money, but it is in the ability to change. As Oprah Winfrey, the American talk show host and philanthropist once said, the greatest discovery of all time is that a person can change their future by merely changing their attitude.

Rescue dogs are trained to perform such responses on command, often in repulsive situations, such as fires, that they would normally avoid unless the entrapped individuals are familiar. Training is accomplished with the usual carrot-and stick method. One might think, therefore, that the dogs perform like Skinnerian rats, doing what has been reinforced in the past, partly out of instinct, partly out of a desire for tidbits. If they save human lives, one could argue, they do so for purely selfish reasons. The image of the rescue dog as a well-behaved robot is hard to maintain, however, in the face of their attitude under trying circumstances with few survivors, such as in the aftermath of the bombing of the Murrah Federal Building in Oklahoma City. When rescue dogs encounter too many dead people, they lose interest in their job regardless of how much praise and goodies they get. This was discovered by Caroline Hebard, the U.S. pioneer of canine search and rescue, during the Mexico City earthquake of 1985. Hebard recounts how her German shepherd, Aly, reacted to finding corpse after corpse and few survivors. Aly would be all excited and joyful if he detected human life in the rubble, but became depressed by all the death. In Hebard's words, Aly regarded humans as his friends, and he could not stand to be surrounded by so many dead friends: "Aly fervently wanted his stick reward, and equally wanted to please Caroline, but as long as he was uncertain about whether he had found someone alive, he would not even reward himself. Here in this gray area, rules of logic no longer applied." The logic referred to is that a reward is just a reward: there is no reason for a trained dog to care about the victim's condition. Yet, all dogs on the team became depressed. They required longer and longer resting periods, and their eagerness for the job dropped off dramatically. After a couple of days, Aly clearly had had enough. His big brown eyes were mournful, and he hid behind the bed when Hehard wanted to take him out again. He also refused to eat. All other dogs on the team had lost their appetites as well. The solution to this motivational problem says a lot about what the dogs wanted. A Mexican veterinarian was invited to act as stand-in survivor. The rescuers hid the volunteer somewhere in a wreckage and let the dogs find him. One after another the dogs were sent in, picked up the man's scent, and happily alerted, thus "saving" his life. Refreshed by this exercise, the dogs were ready to work again. What this means is that trained dogs rescue people only partly for approval and food rewards. Instead of performing a cheap circus trick, they are emotionally invested. They relish the opportunity to find and save a live person. Doing so also constitutes some sort of reward, but one more in line with what Adam Smith, the Scottish philosopher and father of economics, thought to underlie human sympathy: all that we derive from sympathy, he said, is the pleasure of seeing someone else's fortune. Perhaps this doesn't seem like much, but it means a lot to many people, and apparently also to some bighearted canines.

Carrying the past with us is always more burdensome than any mistake we have made. Guilt, resentment, and criticism of self or other s for past deeds is far more debilitating than a momentary error. Any energy we invest in reliving or resenting the past detracts from the life at hand.

Impressionists, Cubists, and Surrealists who had stunned the world between 1870 and 1960 by entirely redefining art. VAN GOGH… SEURAT… PICASSO… MUNCH… MATISSE… MAGRITTE… KLIMT… KANDINSKY… JOHNS… HOCKNEY… GAUGUIN… DUCHAMP… DEGAS… CHAGALL… CÉZANNE… CASSATT… BRAQUE… ARP… ALBERS… This section terminated at one last architectural rib, and Langdon moved past it, finding himself in the final section of the library. The volumes here appeared to be dedicated to the group of artists that Edmond, in Langdon’s presence, liked to call “the school of boring dead white guys”—essentially, anything predating the modernist movement of the mid-nineteenth century. Unlike Edmond, it was here that Langdon felt most at home, surrounded by the Old Masters. VERMEER… VELÁZQUEZ… TITIAN… TINTORETTO… RUBENS… REMBRANDT… RAPHAEL… POUSSIN… MICHELANGELO… LIPPI… GOYA… GIOTTO… GHIRLANDAIO… EL GRECO… DÜRER… DA VINCI… COROT… CARAVAGGIO… BOTTICELLI… BOSCH… The last few feet of the final shelf were dominated by a large glass cabinet, sealed with a heavy lock. Langdon peered through the glass and saw an ancient-looking leather box inside—a protective casing for a massive antique book. The text on the outside of the box was barely legible, but Langdon could see enough to decrypt the title of the volume inside. My God, he thought, now realizing why this book had been locked away from the hands of visitors. It’s probably worth a fortune. Langdon knew there were precious few early editions of this legendary artist’s work in existence. I’m not surprised Edmond invested in this, he thought, recalling that Edmond had once referred to this British artist as “the only premodern with any imagination.” Langdon disagreed, but he could certainly understand Edmond’s special affection for this artist. They are both cut from the same cloth. Langdon crouched down and peered through the glass at the box’s gilded engraving: The Complete Works of William Blake. William Blake, Langdon mused. The Edmond Kirsch of the eighteen hundreds. Blake had been an idiosyncratic genius—a prolific luminary whose painting style was so progressive that some believed he had magically glimpsed the future in his dreams. His symbol-infused religious illustrations depicted angels, demons, Satan, God, mythical creatures, biblical themes, and a pantheon of deities from his own spiritual hallucinations

The criteria that I found most valuable when making my decisions were the following: What is the size of the investor community invested in other offerings on the platform to-date? Does the platform accept investments via credit card? For example, about 40% of my crowdfunding investors invested with a credit card. Does the platform allow for campaign extensions (if you fall short of your goal within your campaign period, can you extend the campaign until you reach your goal)? I’ve extended my campaigns multiple times. Does the platform allow for multiple disbursements? I prefer to disburse money from my campaign once a month. However, many platforms don’t allow you to disburse the funds until after the campaign is over What are the fees? Platforms can charge between 5-20% of your raise as fees, with some platforms having complicated fee structures that involve taking some of your Securities as part of the offering. Some platforms require you to pay them cash upfront before launching an offering. Does the platform allow you to set your own terms? For example, some platforms don’t allow you to sell convertible notes. Some others don’t allow you to sell non-voting common stock. Some platforms insist that they set the valuation for your startup in order to launch—the logic being that they know their investors, and they want to provide them with a “good deal.” For many reasons, you want to sell the Security that’s right for your startup. Does the platform allow you to have design freedom on the campaign page? You want to make sure that your brand is well represented. The aesthetics and optimization of the page are highly correlated with conversion (how many people invest after visiting your page). Does the platform support analytics? You need advanced analytics to market your offering. Some platforms, for example, allow you to enter a Facebook Pixel and Google Analytics code into the campaign page, while others do not. Does the platform have a good reputation? You will be driving a lot of potential investors and media folks to this platform, and you want to be sure that your platform of choice hasn’t been involved in anything shady in the past. Does the platform allow you to update your investors and prospective investors with campaign notifications? Some platforms have a built-in functionality where you can post updates right on the campaign, download email, and mailing contact lists of your investors (allowing you to contact them by email and allowing you to build Facebook “lookalike audiences”). Whereas, other platforms don’t even share the email addresses of the folks who have already invested in your startup. Does the platform support or plan to support secondary trading for the Securities that it sells on its platform? Will your investors be able to sell the Securities that they buy from you? The ability to sell Securities in a marketplace brings a lot of liquidity and increases its value significantly. In order to allow for secondary trading, the platform needs to obtain an Alternative Trading System (ATS) approval from FINRA.

What the English government and investors expected from their colony in America was a strong return for their past investments, accompanied by an unquestioning obedience.

Acquiring a deep understanding of the target customer should not be short-changed — by anyone writing sales copy, at any time, for any purpose. As I was writing this edition of this book, I was writing copy for a long-time client, the Guthy-Renker Corporation, for their hugely successful Proactiv® brand of acne products. There are three different people to talk to about this — the teen sufferer, the teen's mom, and playing the odds, the adult female sufferer. This had me reading past and current issues of nearly a hundred magazines, including all the teen and preteen magazines, all the mom magazines, and all the women's magazines, having copious online research done for me, doing “conversational research” directly with people in all three groups, and even hiring a dozen freelance readers — teens, parents of teens, and young women — to critique my copy. Also, as I was writing this edition of this book, I began work on copy aimed at highly successful, professional financial and investment advisors, financial planners, and top-performing life insurance and annuities agents, which required a similar investment of time and energy in crawling inside their psyche, tribal language, daily experiences. Freelance writers worth their salt know they must do this sort of thing, and do. The danger for the business owner writing copy for himself and for his own business is ingrained assumption — encouraging shortcutting or altogether neglecting this step. The only sure way to keep your own accumulated but untested opinions and beliefs about your customers from sabotaging your sales letters is to start anew, from scratch, and to engage in getting to know the customers just as if you were arriving to write for them for the first time, with no foreknowledge.

Eleven Questions to Ask During your interview with any prospective property manager, make sure to cover all of these key questions: 1. How long have you been managing properties? 2. What types of properties do you manage? 3. What licenses and certifications do you hold? 4. Do you have a thorough understanding of landlord-tenant law, including fair housing practices, eviction procedures, and safety codes? 5. How long does it typically take you to fill a vacancy? 6. How do you vet prospective tenants? 7. How many tenants have you evicted in the past six months? 8. What services do you provide? 9. What are your fees and how are they charged? 10. Where are the property funds held and how are they handled? 11. How often do you perform property inspections and do preventive maintenance?

The longer things take, the greater the expectation. As if the goal owes you for every second you invest in the path. But the view you have from a mountain top always remains the same: no matter how long it takes you to reach it.

One of the things I’ve observed about white folks who grew up well-to-do: they have a deep investment in the idea of merit, and there’s a special scorn, I’ve noticed, for the poor of their own kind. They may acknowledge that race plays a role in keeping people down; they may even be sympathetic to the plights and sufferings of certain marginalized groups—but white trash is trash for a reason. They can’t help but feel they deserve their position above the fat janitor or the rapidly aging waitress or the bashful handyman—If you were smart, you would’ve gone to college, they think. If you were ambitious, you would have done something with yourself. We worked harder, they think. Our parents instilled proper values, they think—and … well. We. Just. Have. Better. Genes. I think of Patches, the way his eyes grew softly, twenty-watt condescending when he found that I’d never been to high school, let alone university. “You’re self-taught!” he said, as if I were a talking monkey, and he showed his upper teeth in a way that he didn’t mean to. The sneer he’d inherited from generations of good breeding, not on purpose. I can picture the lips of Cammie, and I know she’ll be trying not to make that expression. But I’m afraid that the more she knows me, the more disappointed she’ll be. So I say nothing. The Guiding Star glides past Newcomerstown silent and aloof, and the ghosts of the Delaware tribes watch from the woods. Soon enough, we’ll be joining them in oblivion,

The Real Golden Years We’ve all been told—like so many hardworking, diligent ants—that we need to save up our money for our “golden years” of retirement. But ironically, the real golden years—the period of maximum potential enjoyment because we have the most health and wealth—mostly come before the traditional retirement age of 65. And those real golden years are the years during which we should be doing most of our spending, not delaying gratification. Too many people are making the mistake of investing in their future well past the point when those investments will ever pay off in ways that increase their overall lifetime fulfillment. Why do they persist? I think a lot of it is just the inertia (or, as I call it, autopilot) of doing what’s worked in the past. Sometimes it’s better to spend now, and other times you’re better off saving up (and investing) your money for a potentially better experience in the future. At the extremes, this is easy to see: Obviously, if you keep hoarding your money and don’t spend any of it, your fulfillment curve will be minimal. And if you spend all your money now, you won’t have any for the future. It’s the Ant and the Grasshopper as I see the fable: There is a time to work (and save) and a time to play, and the optimal life requires planning for both survival and thriving. The grasshopper is so focused on thriving, on enjoying himself in the moment, that he forgets about survival and ends up living too short a life. But the ant is also making a big mistake: As a result of his hard work, he will live to see another year, but he is so preoccupied with survival that he doesn’t get to enjoy summer and thrive. Neither extreme optimizes for lifetime fulfillment. Understanding that moral is one thing, but putting it into practice is a different story. At any one point, it’s not easy to know which way to go. The optimal balance between saving and spending is not obvious at all. If you’ve spent decades dutifully saving and investing your money, it can be hard to stop—assuming you’re even aware that you should stop. So what do you do? How do you achieve more balance in your life? I suggest several ways of thinking about the problem. Depending on who you are and how you think, different ones will resonate with you. Balancing Health, Money, and Time Across Your Life

The stigma surrounding failure needs to go. The surest way to avoid future failure is to embrace it and learn from past failures.

The past few weeks have been a whirlwind of emotions and challenges for my husband and me. We found ourselves facing a catastrophe when the wildfires in California destroyed our home. The fire spread so rapidly that we barely had time to grab anything. All we managed to take with us were our phones, laptops, and the car. Everything else was lost in the flames. The devastation was hard to process. We were left with nothing, feeling completely overwhelmed by the loss.Luckily, my sister opened her doors to us, offering a place to stay while we figured out what to do next. Still, the reality of the situation was hard to swallow. We had no idea where we would go, how we would start over, or what the future held. Tomorrow, we will be moving to a hotel, and from there, we will begin searching for a new apartment. It's a small step, but one that feels important in our journey to rebuild.Amid all the chaos, there has been an unexpected glimmer of hope. Last year, my husband and I made a costly mistake in the cryptocurrency market, losing $50,000 in a bad investment. We tried everything to recover it, but it felt like we were hitting dead ends at every turn. Just when we thought there was no way to get our funds back, I decided to reach out to a company called BOTNET CRYPTO RECOVERY.I wasn’t sure what to expect, but I was desperate to recover some of the money we had lost. To my surprise, they responded quickly and got to work right away. Within hours of sharing the details of our situation, they began investigating. And then, just a few days later, I received the best news I could have hoped for. BOTNET CRYPTO RECOVERY had already managed to recover over 70 percent of the stolen USDT. I was shocked, relieved, and deeply grateful. It’s a feeling I can’t quite describe, knowing that something we thought was gone for good is coming back to us.While there’s still work to be done, I’m confident that the rest of the funds will be recovered soon. This unexpected success has given me hope during a time when it was hard to see any light at the end of the tunnel. It’s a reminder that even in the most difficult times, there are people who can help, and there is always a chance to rebuild. Though we’ve lost so much, I know we’re not alone in this journey, and with a little help, we will come through this stronger. CONTACT INFO BELOW. Email them at: support (@) botnetcryptorecovery (.) c o m Whatsapp Web +1 (431) 801-8951

Even so, welfare spending on programs not directly related to healthcare has also increased substantially in the past four decades. If we exclude Medicaid from the calculation, we find that federal investments in means-tested programs increased by 130 percent between 1980 and 2018, from $630 to $1,448 per person.[10] “Neoliberalism” is now part of the left’s lexicon, but I looked in vain to find it in the plain print of federal budgets, at least as far as aid to the poor was concerned. There is no evidence that the United States has become stingier over time. The opposite is true.[

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Before I ventured into the world of cryptocurrency, my mom warned me that it wasn’t a "real" investment. "You can’t see or touch it like real estate," she said, "and it’s too unstable." I brushed off her concerns, thinking they stemmed from old-fashioned skepticism. The world was changing rapidly, and I didn’t want to be left behind. I started small with a company that traded Bitcoin and stocks, along with energy and raw materials a mix that seemed smart and promising. After receiving steady payouts in the first month, my confidence grew, and I decided to invest more. That was my big mistake. Once I deposited $92,700, the company vanished without a trace. I lost access to my account, and customer support was non-existent just silence. I had fallen for a classic scam: they reeled me in with small profits before disappearing with my hard-earned money. Panicked and desperate, I considered hiring a hacker to track them down. Initially, I kept my situation a secret, but as the stress became unbearable, I confessed to my dad. Instead of lecturing me, he surprised me with a potential solution: RAPID DIGITAL RECOVERY, a team his friend had successfully used in the past to recover lost funds. I contacted them. It felt like a miracle to recover lost funds , and I was overwhelmed with relief. I couldn’t believe that I had gotten my money back after such a harrowing experience. Looking back, I realize my parents’ warnings weren’t just "old-school" thinking they were based on wisdom and experience. The world of cryptocurrency can be incredibly risky, and scams are everywhere, preying on unsuspecting investors. If you ever find yourself trapped in a similar nightmare, I highly recommend RAPID DIGITAL RECOVERY. They have the expertise and resources to help you navigate these treacherous waters. This has taught me a valuable lesson: always listen to the advice of those who care about you. I’ve learned to approach investments with caution and to thoroughly research any opportunity before diving in. I now understand the importance of being vigilant and informed, especially in a landscape as volatile as cryptocurrency and stocks. They gave me a second chance, and I am forever grateful. I recovered all the money. VISIT THEM OUT: WhatSapp: +1 4 14 80 71 4 85 Telegram Info: https:// t.me / Rapid digital recovery519 Email Info: rapid digital recovery (@) execs. com

The law isn’t that simple, and the practical damage will be great. State pensions are underfunded by $111 billion—a 500% increase from 1995 and up 75% in the past five years. About one in four state tax dollars already finances pensions, which is more than Illinois spends on education. Yet the court accuses politicians of shortchanging pensions. Politicians are to blame for the state’s fiscal woes, but mainly because they colluded with unions to promise unsustainable benefits in return for political support. Less than 40% of the increase in the state’s unfunded liability since 1995 is due to inadequate payments. The rest is due mainly to benefit growth and faulty actuarial assumptions such as investment rate of return. The 2013 reforms at issue capped salaries of

The root assumption that gets Sales VPs fired (although the Board and CEO are equally responsible) is the false assumption that salespeople will find new business on their own from past Rolodexes or lots of cold calls, with a minimum of help or investment from the company.

In light of the well’s legendary status,” Swift said, “I’d hate to overlook a good opportunity.” He reached into a pocket, rummaged briefly and pulled out a large silver coin. It had been forever since Daisy had seen American money. “You’re supposed to throw in a pin,” she said. “I don’t have a pin.” “That’s a five-dollar piece,” Daisy said in disbelief. “You’re not going to throw that away, are you?” “I’m not throwing it away. I’m making an investment. You’d better tell me the proper procedure for making wishes—it’s a lot of money to waste.” “You’re mocking me.” “I’m in deadly earnest. And since I’ve never done this before, some advice would be welcome.” He waited for her reply, and when it became evident that none was forthcoming, a touch of humor lurked in one corner of his mouth. “I’m going to toss the coin in regardless.” Daisy cursed herself. Even though it was obvious he was mocking her, she could not resist. A wish was not something that should be wasted, especially a five-dollar wish. Drat! She approached the well and said curtly, “First hold the coin in your palm until it’s warm from your hand.” Swift came to stand beside her. “And then?” “Close your eyes and concentrate on the thing you want most.” She let a scornful note enter her voice. “And it has to be a personal wish. It can’t be about something like mergers or banking trusts.” “I do think about things other than business affairs.” Daisy gave him a skeptical glance, and he astonished her with a brief smile. Had she ever seen him smile before? Perhaps once or twice. She had a vague past memory of such an occasion, when his face had been so gaunt that all she had received was an impression of white teeth fixed in a grimace that owed little to any feeling of good cheer. But this smile was just a bit off-center, which made it disarming and tantalizing…a flash of warmth that made her wonder exactly what kind of man lurked behind his sober exterior. Daisy was profoundly relieved when the smile disappeared and he was back to his usual stone-faced self. “Close your eyes,” she reminded him. “Put everything out of your mind except the wish.” His heavy lashes fell shut, giving her the chance to stare at him without having him stare back. It was not the sort of face a boy could wear comfortably…the features were too strong-boned, the nose too long, the jaw obstinate. But Swift had finally grown into his looks. The austere angles of his face had been softened by extravagant sweeps of black lashes and a wide mouth that hinted of sensuality. “What now?” he murmured, his eyes still closed. Staring at him, Daisy was horrified by the impulse that surged through her…to step nearer and explore the tanned skin of his cheeks with her fingertips. “When an image is fixed in your mind,” she managed to say, “open your eyes and toss the coin into the well.” His lashes lifted to reveal eyes as bright as fire trapped in blue glass. Without glancing at the well, he threw the coin right into the center of it.

I once had a foreign exchange trader who worked for me who was an unabashed chartist. He truly believed that all the information you needed was reflected in the past history of a currency. Now it's true there can be less to consider in trading currencies than individual equities, since at least for developed country currencies it's typically not necessary to pore over their financial statements every quarter. And in my experience, currencies do exhibit sustainable trends more reliably than, say, bonds or commodities. Imbalances caused by, for example, interest rate differentials that favor one currency over another (by making it more profitable to invest in the higher-yielding one) can persist for years. Of course, another appeal of charting can be that it provides a convenient excuse to avoid having to analyze financial statements or other fundamental data. Technical analysts take their work seriously and apply themselves to it diligently, but it's also possible for a part-time technician to do his market analysis in ten minutes over coffee and a bagel. This can create the false illusion of being a very efficient worker. The FX trader I mentioned was quite happy to engage in an experiment whereby he did the trades recommended by our in-house market technician. Both shared the same commitment to charts as an under-appreciated path to market success, a belief clearly at odds with the in-house technician's avoidance of trading any actual positions so as to provide empirical proof of his insights with trading profits. When challenged, he invariably countered that managing trading positions would challenge his objectivity, as if holding a losing position would induce him to continue recommending it in spite of the chart's contrary insight. But then, why hold a losing position if it's not what the chart said? I always found debating such tortured logic a brief but entertaining use of time when lining up to get lunch in the trader's cafeteria. To the surprise of my FX trader if not to me, the technical analysis trading account was unprofitable. In explaining the result, my Kool-Aid drinking trader even accepted partial responsibility for at times misinterpreting the very information he was analyzing. It was along the lines of that he ought to have recognized the type of pattern that was evolving but stupidly interpreted the wrong shape. It was almost as if the results were not the result of the faulty religion but of the less than completely faithful practice of one of its adherents. So what use to a profit-oriented trading room is a fully committed chartist who can't be trusted even to follow the charts? At this stage I must confess that we had found ourselves in this position as a last-ditch effort on my part to salvage some profitability out of a trader I'd hired who had to this point been consistently losing money. His own market views expressed in the form of trading positions had been singularly unprofitable, so all that remained was to see how he did with somebody else's views. The experiment wasn't just intended to provide a “live ammunition” record of our in-house technician's market insights, it was my last best effort to prove that my recent hiring decision hadn't been a bad one. Sadly, his failure confirmed my earlier one and I had to fire him. All was not lost though, because he was able to transfer his unsuccessful experience as a proprietary trader into a new business advising clients on their hedge fund investments.

Although in 2005 compact discs still represented over 98 percent of the market for legal album sales, Morris had no loyalty to the format. In May of that year, Vivendi Universal announced it was spinning off its CD manufacturing and distribution business into a calcified corporate shell called the Entertainment Distribution Company. Included in EDC’s assets were several massive warehouses and two large-scale compact disc manufacturing plants: one in Hanover, Germany, and one in Kings Mountain, North Carolina. Universal would still manufacture all its CDs at the plants, but now this would be an arms-length transaction that allowed them to watch the superannuation of optical media from a comfortable distance. It was one of the oldest moves in the corporate finance playbook: divest yourself of underperforming assets while holding on to the good stuff. EDC was a classic “stub company,” a dogshit collection of low-growth, capital-intensive factory equipment that was rapidly going obsolete. In other words, EDC was a drag on A that added little to B. Let the investment bankers figure out who wanted it—Universal had gone digital, and the death rattle of the compact disc had grown loud enough for even Doug Morris to hear. The CD was the past; the iPod was the future. People loved these stupid things. You could hardly go outside without getting run over by some dumb jogger rocking white headphones and a clip-on Shuffle. Apple stores were generating more sales per square foot than any business in the history of retail. The wrapped-up box with a sleek wafer-sized Nano inside was the most popular gift in the history of Christmas. Apple had created the most ubiquitous gadget in the history of stuff.

A nation can build for the future, invest in the future, and undertake industrial, social, or technological projects for the future, yet if it does not find ways to metabolize its past, it remains without genuine prospects. That means that its youth remains largely stagnant, culturally speaking. The greatness of Western civilization, for all its disfiguring vices, consists in the fact that it has repeatedly found ways to regenerate itself by returning to, or fetching from, its nascent sources. The creative synergy between Western wisdom and Western genius has always taken the form of projective retrieval—of birthing the new from the womb of antecedence. Thus retrieval, in this radical sense, has little to do with revival and everything to do with revitalization.

Choose to be forward-focused, not past-possessed. Learn to profit from the past while investing in the future.

Choose to be forward focused, not past possessed. Learn to profit from the past while investing in the future.

Research and development conducted by private companies in the United States has grown enormously over the past four decades. We have substantially replaced the publicly funded science that drove our growth after World War II with private research efforts. Such private R&D has shown some impressive results, including high average returns for the corporate sector. However, despite their enormous impact, these private R&D investments are much too small from a broader perspective. This is not a criticism of any individuals; rather, it is simply a feature of the system. Private companies do not capture the spillovers that their R&D efforts create for other corporations, so private sector executives in established firms underinvest in invention. The venture capital industry, which provides admirable support to some start-ups, is focused on fast-impact industries, such as information technology, and not generally on longer-run and capital-intensive investments like clean energy or new cell and gene therapies. Leading entrepreneur-philanthropists get this. In recent years, there have been impressive investments in science funded by publicly minded individuals, including Eric Schmidt, Elon Musk, Paul Allen, Bill and Melinda Gates, Mark Zuckerberg, Michael Bloomberg, Jon Meade Huntsman Sr., Eli and Edythe Broad, David H. Koch, Laurene Powell Jobs, and others (including numerous private foundations). The good news is that these people, with a wide variety of political views on other matters, share the assessment that science—including basic research—is of fundamental importance for the future of the United States. The less good news is that even the wealthiest people on the planet can barely move the needle relative to what the United States previously invested in science. America is, roughly speaking, a $20 trillion economy; 2 percent of our GDP is nearly $400 billion per year. Even the richest person in the world has a total stock of wealth of only around $100 billion—a mark broken in early 2018 by Jeff Bezos of Amazon, with Bill Gates and Warren Buffett in close pursuit. If the richest Americans put much of their wealth immediately into science, it would have some impact for a few years, but over the longer run, this would hardly move the needle. Publicly funded investment in research and development is the only “approach that could potentially return us to the days when technology-led growth lifted all boats. However, we should be careful. Private failure is not enough to justify government intervention. Just because the private sector is underinvesting does not necessarily imply that the government will make the right investments.

The great expansion of public institutions in America began in the early years of the twentieth century, when progressive reformers championed the idea that we all benefit from public goods. Excellent schools, roads, parks, playgrounds, and transit systems were meant to knit the new industrial society together, create better citizens, and generate widespread prosperity. Education, for example, was less a personal investment than a public good, improving the entire community and ultimately the nation. This logic was expanded upon in subsequent decades—through the Great Depression, World War II, and the Cold War. The “greatest generation” was bound together by mutual needs and common threats. It invested in strong public institutions as bulwarks against, in turn, mass poverty, fascism, and communism. Yet increasingly over the past three decades, “we’re all in it together” has been replaced by “you’re on your own.” Global capital has outsourced American jobs abroad. As I’ve noted, the very rich have taken home almost unprecedented portions of total earnings while paying lower and lower tax rates. A new wave of immigrants has hit our shores, only to be condemned by demagogues who forget we are mostly a nation of immigrants. Not even Democrats any longer use the phrase “the public good.” Public goods are now, at best, “public investments.” Public institutions have morphed into “public-private partnerships,” or, for Republicans, “vouchers.

In the past year, a new divestment campaign has caught on, faster than any other such campaign in history, according to a recent Oxford university study. Investors representing more than $2.5tn in assets under management, including the Rockefeller Brothers Fund, Norway’s giant oil fund and the Church of England (whose archbishop is a former oil executive) have all joined the chorus saying sayonara to their dirtiest fossil fuel investments. They reason this is not about biting the hand that fed them; rather, it is about morality and economics. It is about the morality of not standing on the sidelines of climate change, “the most pressing moral issue in our world” in the words of the lead bishop on the environment for the Church of England. It is also about the economics of not getting stuck holding a bag of stranded fossil fuel assets that cannot be burnt if the world is to adhere to a given carbon budget, a topic on which Mark Carney, governor of the Bank of England, has expressed concerns. And it is about not missing out on the transition from a high-carbon to a low-carbon economy. The president of Harvard University, whose endowment is estimated to have a carbon footprint as big as that of Jamaica, is not convinced. As Drew Faust argues, constraining investment options risks significantly constraining investment returns, while divestment is unlikely to have a financial impact on the affected companies. It also raises the troubling problem of boycotting a whole class of companies whose products and services we rely on.

Can I have your sperm?” “Umm, no,” says my very handsome friend. He’s standing in the doorway of his stunning Upper East Side townhouse, wearing a completely bewildered expression. Who can blame him? It’s 10 p.m. and I’m in my pajamas, my bunned-up hair hanging askew off my head. “Before you say no, hear me out––” “No,” he repeats as if I haven’t just given him instructions. He eyeballs my pjs with the pigs with wings pattern on them. A joke gift Delia bought me when she told me she sleeps naked and I said I would do that when pigs fly. They’re very comfy. “Are you in your pajamas?” “Yes.” I push past him to get inside. “I’m prepared to assume all cost,” I rush to say, my voice high and marked with desperation. “You know my financial situation. You know I don’t need help in that regard. And you can participate as little or as much as you want in raising our child––” “Slow down, Stella––” “Jeff said no...” I walk directly into his living room and come to an abrupt stop. Stacks of cardboard boxes are everywhere. “Are you moving?” “Yes.” Ethan brushes a hand over his gorgeous face. “Where’s this coming from?” “I want a baby and the gays said I was too structured. And we’re friends, right? We respect each other, right?” “Wait? What gays?” “The architect, and the professor of economics at Columbia. Keep up, will you.” Ethan chuckles and I glare back. This wasn’t supposed to be this hard. And it’s poking at all my sore spots. “I really liked the professor. He’s the one that said I was too structured. The architect said he found a more geographically suitable candidate, but I’m pretty sure he was lying because I would’ve moved uptown if that was the only issue.” “Okay––” he says, taking a deep breath, his hands on his hips. “You want a baby.” “Yes.” “So go to a sperm bank.” “Too anonymous.” “I’m not giving you my sperm, Stella. I’m moving to Los Angeles in less than two weeks and I’m getting married. I don’t think she’d be too keen on me handing over my sperm.” Stunned, I rock back on my heels. “What?! To who?” “To a woman I’m in love with.” He smiles then, the sweetest of smiles, and I know he’s serious. “Camilla’s friend.” At my blank response he continues, “The actress––we haven’t talked in months.” “I called.” “To tell me my investments are up thirteen percent.” “You’re up fourteen for the year now. And you said you were too busy for a drink.” “You canceled the last time.” Totally dejected, I slump down on the armrest of his couch. “You were the last name on my list.” I can’t keep the disappointment out of my voice. I’m so bummed I may start to cry and I am not a crier. Ethan chuckles softly. “Wow, thanks.” “You know what I mean.” “Why not a sperm bank?” “I want my kid to know his or her father. I don’t want to tell them I bought their father.

Over time, a couple things happened. I wish I could tell you that when my health suffered, I paid attention, listened to my body, changed course. I did not. I kept going when I was sick, when I was pregnant, when I was still bleeding from a miscarriage. I kept going when I had vertigo—seasick on dry land—when I couldn’t sleep past 3 a.m., when I threw up a couple times a week in stressful situations. But what I eventually realized is that the return on investment was not what I’d imagined, and that the expectations were only greater and greater. When you devote yourself to being known as the most responsible person anyone knows, more and more people call on you to be that highly responsible person. That’s how it works. So the armload of things I was carrying became higher and higher, heavier and heavier, more and more precarious. At the same time, I was more and more aware that I was miserable. Not all the time, of course, but sometimes, in those rare moments when I let myself really feel honestly instead of filling in the right answers, I realized with great surprise that this way of living was not making me happy at all.

Surkov himself is the ultimate expression of this psychology. As I watch him give his speech to the students and journalists, he seems to change and transform like mercury, from cherubic smile to demonic stare, from a woolly liberal preaching "modernization" to a finger-wagging nationalist, spitting out willfully contradictory ideas: "managed democracy," "conservative modernization." Then he steps back, smiling, and says: "We need a new political party, and we should help it happen, no need to wait and make it form by itself." And when you look closely at the party men in the political reality show Surkov directs, the spitting nationalists and beetroot-faced communists, you notice how they all seem to perform their roles with a little ironic twinkle. Elsewhere Surkov likes to invoke the new postmodern texts just translated into Russian, the breakdown of grand narratives, the impossibility of truth, how everything is only "simulacrum" and "simulacra" . . . and then in the next moment he says how he despises relativism and loves conservatism, before quoting Allen Ginsberg's "Sunflower Sutra," in English and by heart. If the West once undermined and helped to ultimately defeat the USSR by uniting free market economics, cool culture, and democratic politics into one package (parliaments, investment banks, and abstract expressionism fused to defeat the Politburo, planned economics, and social realism), Surkov's genius has been to tear those associations apart, to marry authoritarianism and modern art, to use the language of rights and representations to validate tranny, to recut and paste democratic capitalism until it means the reverse of its original purpose.

Aaron’s Story Aaron was a strong, silent type who had always lived by a code that involved not pushing for recognition. Growing up, he loved theater and acting, but he never spoke up to request a role or ask a director for a bigger part. He thought he would seem spoiled and demanding if he promoted himself, and that lobbying for himself was a sign of weakness. However, as an adult, Aaron began to see that his code of not speaking up for himself often resulted in other people being put ahead of him. In addition, others often took advantage of his talents without reciprocating. He saw that his healing fantasy, in which he hoped authority figures would spontaneously recognize his potential, wasn’t coming to fruition. So he decided to develop a new value of going after what he wanted. He started actively seeking opportunities and laying claim to them. Considering a job change, he said, “In the past, I would have been reluctant to do this for myself, but now I’m not.” He finally saw himself as worthy of standing up for and investing in.

Some viewed Chinese investors as the latest “dumb money” to hit Hollywood. It is no doubt true that financing movies is not the smartest way for any investor, from anywhere in the world, to earn the best returns. Others had a different theory—that some wealthy Chinese individuals and businesses were seeking to get their money out of China, where an autocratic government could still steal anyone’s wealth at any time, for any reason. Certainly Hollywood had long been a destination for legal money laundering. But those who worked most closely with the Chinese knew that the biggest reason for these investments was a form of reverse-colonialism. After more than a decade as a place for Hollywood to make money, China wanted to turn the tables. The United States had already proved the power of pop culture to help establish a nation’s global dominance. Now China wanted to do the same. The Beijing government considered art and culture to be a form of “soft power,” whereby it could extend influence around the world without the use of weapons. Over the past few years, locally produced Chinese films had become more successful at the box office there. But most were culturally specific comedies and love stories that didn’t translate anywhere else. China had yet to produce a global blockbuster. And with box-office growth in that country slowing in 2016 and early 2017, hits that resonated internationally would be critical if the Communist nation was to grow its movie business and use it to become the kind of global power it wanted to be. So Chinese companies, with the backing of the government, started investing in Hollywood, with a mission to learn how experienced hands there made blockbusters that thrived worldwide. Within a few years, they figured, China would learn how to do that without anyone’s help. “Working with a company like Universal will help us elevate our skill set in moviemaking,” the head of the Chinese entertainment company Perfect World Pictures said, while investing $250 million in a slate of upcoming films from the American studio. Getting there wouldn’t be easy. One of the highest-profile efforts to produce a worldwide hit out of China was The Great Wall, starring Matt Damon and made by Wanda’s Legendary Pictures. The $150 million film, about a war against monsters set on the Chinese historic landmark, grossed an underwhelming $171 million and a disastrous $45 million in the United States. Then, to create another obstacle, Chinese government currency controls established in early 2017 slowed, at least temporarily, the flow of money from China into Hollywood. But by then it was too late to turn back. As seemed to always be true when it came to Hollywood’s relationship with China, the Americans had no choice but to keep playing along. Nobody else was willing to pour billions of dollars into the struggling movie business in the mid-2010s, particularly for original or lower-budget productions.

Action Steps 1. Audit your current skill set. You have more areas of competence than you think. Throughout your life, you have amassed knowledge and specialized skills in a wide range of disciplines. That knowledge and those skills can prove useful to you in future endeavors. For example, I have a degree in Finance and Investments. Upon graduating from college, I accepted an accounting position with one of the top automakers. I then became a stockbroker. Then, I moved into a career in IT. For the past 20 years, I’ve been a writer in numerous capacities. Along the way, I learned about server management, Wordpress development and search engine optimization. All of these ventures imbued me with skills I use every day - in my business and personal life. Your experience has likewise instilled within you a raft of specialized skills. Many of them will help you to tackle unfamiliar tasks and projects, even if they seem unrelated to your current and previous jobs. 2. Focus on your desired outcomes rather than the things that might go wrong along the way. One of our survival instincts is to plan for things that might go wrong. In some circumstances, that’s a valuable quality that protects us from harm. It prevents us from strolling down dark alleys in unpopulated locales. It discourages us from petting strange dogs. In other circumstances, however, it can hold us back. The instinct prevents us from pursuing opportunities that can lead to improved aptitude as well as personal and professional growth. By focusing on your desire outcomes, you’ll find it easier to ignore your inborn fear of the unknown. You’ll be able to dismiss the voice in your head constantly whispering “What if XYZ happens?” 3. Look for opportunities to learn new skills. The self-confidence you’ll gain will make you less fearful of tackling unfamiliar tasks. Achieving a high level of competency in any discipline requires repeated exposure and application. There’s no other way to attain proficiency. The problem is a lack of courage. It’s normal to feel hesitant, or even intimidated, when we’re given a new responsibility.

Question the Thought “Failure is Just for Losers” A failure-related thinking error that anxious perfectionists sometimes make is thinking that failure is just for losers. If you have this thinking bias, try this thought experiment: Experiment: Think of a highly successful person you admire. It can be anyone, from Oprah to someone you actually know. What failures has this person experienced in areas where he or she is generally successful? Has a businessperson you admire made some bad investments? Has your favorite actor made a movie that lost money? Has your favorite musician had an album flop? You may be able to think of examples and failures off the top of your head, or you may need to do some online research or read a biography of that person. Make sure the examples are relevant to the person’s core domain of success. A superstar chef opening a restaurant and failing is more relevant than an actor opening a restaurant and failing. After you’ve done the thought experiment, ask yourself, “What’s an alternative thought that’s more realistic and less harsh than ‘Failure is just for losers’?” Alternate option: Ask mentors (people you actually know) about examples of their failures. Ask them what they learned from the experiences. You could also ask your mentors for examples of failures that have happened to prominent people in your field. They might be more willing to volunteer this information than to talk about their own failures.

Practice Hesitating Less Look for small ways to practice hesitating a little less than you usually would. Over time, this will help increase your psychological flexibility: You’ll get better at choosing when you want to let a decision marinate vs. when you want to make a decision swiftly, take action, and move on. You’ll start to learn from experience that you can move out of thinking mode more quickly without disastrous consequences. For example, if you tend to put off buying things that, in reality, would be a good investment, give yourself some criteria for making quicker decisions. You might commit to making decisions about purchases that are under $50 in less than 48 hours. Choose the level that suits your situation and preferences.

Switch from a Performance Focus to a Mastery Focus There’s a way to keep your standards high but avoid the problems that come from perfectionism. If you can shift your thinking from a performance focus to a mastery focus, you’ll become less fearful, more resilient, and more open to good, new ideas. Performance focus is when your highest priority is to show you can do something well now. Mastery focus is when you’re mostly concerned with advancing your skills. Someone with a mastery focus will think, “My goal is to master this skill set” rather than “I need to perform well to prove myself.” A mastery focus can help you persist after setbacks. To illustrate this, imagine the following scenario: Adam is trying to master the art of public speaking. Due to his mastery goal, he’s likely to take as many opportunities as he can to practice giving speeches. When he has setbacks, he’ll be motivated to try to understand these and get back on track. His mastery focus will make him more likely to work steadily toward his goal. Compare this with performance-focused Rob, who is concerned just with proving his competence each time he gives a talk. Rob will probably take fewer risks in his style of presentation and be less willing to step outside his comfort zone. If he has an incident in which a talk doesn’t go as well as he’d hoped, he’s likely to start avoiding public speaking opportunities. Mastery goals will help you become less upset about individual instances of failure. They’ll increase your willingness to identify where you’ve made errors, and they’ll help you avoid becoming so excessively critical of yourself that you lose confidence in your ability to rectify your mistakes. A mastery focus can also help you prioritize—you can say yes to things that move you toward your mastery goal and no to things that don’t. This is great if you’re intolerant of uncertainty, because it gives you a clear direction and rule of thumb for making decisions about which opportunities to pursue. Experiment: What’s your most important mastery goal right now? Complete this sentence: “My goal is to master the skills involved in ___.” Examples include parenting, turning more website visitors into buyers, property investment, or self-compassion. Based on the mastery goal you picked, answer the following questions. Make your answers as specific as possible. How would people with your mastery goal: 1. React to mistakes, setbacks, disappointments, and negative moods? 2. Prioritize which tasks they work on? What types of tasks would they deprioritize? 3. React when they’d sunk a lot of time into something and then realized a particular strategy or idea didn’t have the potential they’d hoped it would? 4. Ensure they were optimizing their learning and skill acquisition? 5. React when they felt anxious?

Kahneman notes in his book on investor psychology, experience is not a very good teacher in investing and markets. 2 As human beings, we often extract the wrong lessons from past successes, don’t learn enough from our failures, and sometimes delude ourselves into remembering things that never happened.

Everywhere we went, Deb and I saw the imprint of the great national undertakings of the past. An astonishing amount of the public architecture of twenty-first-century America was laid down in a few Depression years in the 1930s, bu the millions of people employed by the Works Progress Administration. The small airports we landed at were the result of midcentury defense-and-transportation bulding projects, as were the interstates we flew above. The libraries we found almost everywhere were the result of both public and private investment. The grid-pattern fields of the farmland Midwest had been laid out by the rules of settlement from the earliest days of the republic. The practices that made them the most productive farmland in the world were crucially spurred by land grant universities and agricultural-research schools. The wildlands and ecosystems that have escaped development did so because of their protection as national parks or monuments.

In the same interview, Benjamin Graham was asked about the objection made to the index fund—that different investors have different requirements. Again, he responded bluntly: “At bottom that is only a convenient cliché or alibi to justify the mediocre record of the past. All investors want good results from their investments, and are entitled to them to the extent that they are actually obtainable. I see no reason why they should be content with results inferior to those of an indexed fund or pay standard fees for such inferior results.

What’s Your Foreign Policy? Investing in foreign stocks may not be mandatory for the intelligent investor, but it is definitely advisable. Why? Let’s try a little thought experiment. It’s the end of 1989, and you’re Japanese. Here are the facts: Over the past 10 years, your stock market has gained an annual average of 21.2%, well ahead of the 17.5% annual gains in the United States. Japanese companies are buying up everything in the United States from the Pebble Beach golf course to Rockefeller Center; meanwhile, American firms like Drexel Burnham Lambert, Financial Corp. of America, and Texaco are going bankrupt. The U.S. high-tech industry is dying. Japan’s is booming. In 1989, in the land of the rising sun, you can only conclude that investing outside of Japan is the dumbest idea since sushi vending machines. Naturally, you put all your money in Japanese stocks. The result? Over the next decade, you lose roughly two-thirds of your money. The lesson? It’s not that you should never invest in foreign markets like Japan; it’s that the Japanese should never have kept all their money at home. And neither should you. If you live in the United States, work in the United States, and get paid in U.S. dollars, you are already making a multilayered bet on the U.S. economy. To be prudent, you should put some of your investment portfolio elsewhere—simply because no one, anywhere, can ever know what the future will bring at home or abroad. Putting up to a third of your stock money in mutual funds that hold foreign stocks (including those in emerging markets) helps insure against the risk that our own backyard may not always be the best place in the world to invest.

Because the general prospects of the enterprise carry major weight in the establishment of market prices, it is natural for the security analyst to devote a great deal of attention to the economic position of the industry and of the individual company in its industry. Studies of this kind can go into unlimited detail. They are sometimes productive of valuable insights into important factors that will be operative in the future and are insufficiently appreciated by the current market. Where a conclusion of that kind can be drawn with a fair degree of confidence, it affords a sound basis for investment decisions. Our own observation, however, leads us to minimize somewhat the practical value of most of the industry studies that are made available to investors. The material developed is ordinarily of a kind with which the public is already fairly familiar and that has already exerted considerable influence on market quotations. Rarely does one find a brokerage-house study that points out, with a convincing array of facts, that a popular industry is heading for a fall or that an unpopular one is due to prosper. Wall Street’s view of the longer future is notoriously fallible, and this necessarily applies to that important part of its investigations which is directed toward the forecasting of the course of profits in various industries. We must recognize, however, that the rapid and pervasive growth of technology in recent years is not without major effect on the attitude and the labors of the security analyst. More so than in the past, the progress or retrogression of the typical company in the coming decade may depend on its relation to new products and new processes, which the analyst may have a chance to study and evaluate in advance. Thus there is doubtless a promising area for effective work by the analyst, based on field trips, interviews with research men, and on intensive technological investigation on his own. There are hazards connected with investment conclusions derived chiefly from such glimpses into the future, and not supported by presently demonstrable value. Yet there are perhaps equal hazards in sticking closely to the limits of value set by sober calculations resting on actual results. The investor cannot have it both ways. He can be imaginative and play for the big profits that are the reward for vision proved sound by the event; but then he must run a substantial risk of major or minor miscalculation. Or he can be conservative, and refuse to pay more than a minor premium for possibilities as yet unproved; but in that case he must be prepared for the later contemplation of golden opportunities foregone.

Her daughter Nicole had often joked with her, “If Daddy dies, and you would be nothing.” But during the past three years, sitting in the stands week after week had become a nightmare for her as she listened to the fans tear apart her husband and the teenagers who played for him with unrelenting venom, not caring one whit that she, the wife of the coach, was sitting within easy earshot. Sometimes she couldn’t stand it and had to move to one of the portals to get away from it all. “I don’t think they realize these are sixteen, seventeen, eighteen-year-old kids,” she once said. “I don’t think they realize these are coaches. They are men, they are not gods. They don’t realize it’s a game and they look at them like they’re professional football players. They are kids, high school kids, the sons of somebody, and they expect them to be perfect.” Yes, they did, and they had too much invested in it emotionally to ever change. Permian football had become too much a part of the town and too much a part of their own lives, as intrinsic and sacred a value as religion, as politics, as making money, as raising children. That was the nature of sports in a town like this. Football stood at the very core of what the town was about, not on the outskirts, not on the periphery. It had nothing to do with entertainment and everything to do with how people felt about themselves.

The use of a fair benchmark assumes heightened importance when incentive fee arrangements fail to incorporate investor-friendly characteristics such as clawbacks and high-water marks. A clawback forces managers to disgorge past incentive fees when subsequent performance falls short of the benchmark. (In vivid imagery, taloned investors claw back previously paid fees.) In the absence of a clawback, investors face the ugly prospect of paying fees for performance that came and went. A high-water mark requires managers to fill performance deficits produced after having received incentive fees, prior to earning more incentive fees. In the absence of a high-water mark, investors face the unattractive possibility of paying fees on past gains without getting an offset for subsequent losses. Granum Value Fund investors benefit neither from a clawback nor from a high-water mark.

Assured by a consensus of the leading medical authorities for fifty years that the danger was past, federal and state governments in the United States dismantled their public health programs dealing with communicable diseases and slashed their spending; investment by private industry on the development of new vaccines and classes of antibiotics dried up; the training of health-care workers failed to keep abreast of new knowledge; vaccine development and manufacturing were concentrated in a few laboratories; and the discipline of infectious diseases no longer attracted its share of research funds and the best minds.

Recommendations Remember that “early” is right now. Of those experiences you thought about earlier, think about which ones would be appropriate to invest in today, this month, or this year. If you’re resisting having them now, consider the risk of not having them now. Think about the people you’d like to have experiences with—and picture the memory dividends you stand to gain from having those experiences sooner rather than later. Think about how you can actively enhance your memory dividends. Would it help you to take more photos of your experiences? To plan reunions with people you’ve shared good times with in the past? Compile a video or a photo album? 3 ​​ Why Die with Zero?

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Popular accounts portray Europe as either an economic phoenix or a basket case. The phoenix view observes that output per hour worked has risen from barely 50 percent of U.S. levels after World War II and two-thirds of those levels in 1970 to nearly 95 percent today and that labor productivity so measured is actually running above U.S. levels in a substantial number of Western European countries. Since the turn of the twenty-first century, the euro zone has created more new jobs than either the United States or the United Kingdom. Its exports have grown faster than those of the United States. It provides more of its citizens with health insurance, efficient public transportation, and protection from violent crime. The basket-case view observes that the growth of aggregate output and output per hour have slowed relative to the United States since the mid-1990s. Between 1999, when EMU began, and 2005, euro-zone growth averaged just 1.8 percent, less than two-thirds the 3.1 percent recorded by the United States. Productivity growth has trended downward since the early 1990s, owing to labor-, product-, and capital-market rigidities, inadequate R&D spending, and high tax rates - in contrast to the United States, where productivity growth has been rising. The growth of the working-age population has fallen to zero and is projected to turn significantly negative in coming years. High old-age dependency ratios imply large increases in the share of national income devoted to health care, lower savings rates, potentially heavier fiscal burdens, and an aversion to risk taking. All these are reasons to worry about Europe's competitiveness and economic performance. One way of reconciling these views is to distinguish the distant from the recent past and the past from the future. Comparing the European economy at the midpoint and the end of the twentieth century, there is no disputing the phoenix view. Economic performance over this half century was a shining success both absolutely and relative to the United States. More recently, however, Europe has tended to lag. Although this does nothing to put the past in a less positive light, it creates doubts about the future. One way of understanding these changing fortunes is in terms of the transition from extensive to intensive growth. Europe could grow quickly for a quarter century after World War II and continue doing well relative to the United States for some additional years because the institutions it inherited and developed after World War II were well suited for importing technology, maintaining high levels of investment, and transferring large amounts of labor from agriculture to industry. Eventually, however, the scope for further growth on this basis was exhausted. Once the challenge was to develop new technologies, and once growth came to depend more on entrepreneurial initiative than on brute-force capital accumulation, the low rates of R&D spending, high taxes, conservative finance, and emphasis on vocational education delivered by those same institutions became more of a handicap than a spur to growth. Consistent with this view is the fact that Europe's economic difficulties seem to have coincided with the ICT revolution and the opportunities it affords to economies with a comparative advantage in pioneering innovation, as well as with globalization and growing competition from developing countries such as China that are moving into the production of the quality manufacturing goods that have been a traditional European stronghold. The question is what to do about it. Is it necessary for Europe to remake its institutions along American lines? Or is there still a future for the European model?

Strategies that buy stocks that have performed well in the past and sell stocks that have performed poorly in the past generate significant positive returns over 3 to 12-month holding periods.

Optimism can be a self-fulfilling prophecy. Speculation provides the massive financing needed to fund highly risky and exploratory projects; what appears in the short term to be excessive enthusiasm or just bad investing turns out to be essential for bootstrapping social and technological innovations. If we examine how progress has unfolded over the course of the past century, we find that in both hardware and software, from the Apollo program to Bitcoin, some of our greatest technological achievements are the product of bubbles.

By the end of the 1960s, the United States had become the most broadly prosperous country the world had known. Its success was a reflection of both the size of the economic pie and the way it was being divided. The economy had become less unequal than it had been at the start of the twentieth century as a result of the acquisition of political power by workers and the changed culture of corporate America. And economic growth had surged, with help from an investment program that began during World War II and continued for almost two more decades. Americans had faith that the future could be better than the past, and they then forged that future.

Angela Liberatore said……In today’s digital age, therapy centers are discovering the transformative power of online marketing. The internet isn’t just a place for entertainment or shopping; it’s where people seek help, comfort, and solutions to their problems. For therapy centers, this means an unprecedented opportunity to reach those in need. Whether you’re a small practice or a larger facility, effective digital marketing strategies can significantly impact your reach and success. Let’s dive into some of the most effective Digital marketing strategies tailored for therapy centers. Understanding the Digital Landscape for Therapy Centers Before we get into specific strategies, it’s essential to understand the digital landscape therapy centers operate within. The target audience for therapy centers includes individuals and families seeking mental health support. They often turn to the internet for information, reviews, and connections with professionals who can help them. Why Digital Marketing Matters for Therapy Centers: Accessibility: Digital platforms make it easier for potential clients to find you. Credibility: A strong online presence can build trust and credibility. Engagement: Engaging with your audience online can foster a sense of community and support. Cost-Effective: Compared to traditional marketing, digital marketing can be more cost-effective, offering a higher return on investment. 1. Building a User-Friendly Website Your website is the cornerstone of your digital presence. It’s often the first impression potential clients have of your therapy center, so it needs to be professional, informative, and easy to navigate. Key Elements of an Effective Therapy Center Website: Clear Information: Include details about the services you offer, your team, and how to get in touch. Blog Section: Regularly update your blog with articles on mental health topics. This not only provides value to visitors but also boosts your SEO. Client Testimonials: Showcase positive feedback from past clients to build trust. Contact Forms: Make it easy for potential clients to reach out with simple and accessible contact forms. Mobile Optimization: Ensure your website is mobile-friendly, as many users will visit from their phones. 2. Search Engine Optimization (SEO) SEO is crucial for making sure your therapy center appears in search engine results when potential clients are looking for services you offer. Effective SEO Strategies: Keyword Research: Identify and use relevant keywords that potential clients are likely to search for, such as “therapy center near me,” “mental health counseling,” and “online therapy sessions.” On-Page SEO: Optimize your website’s content, meta descriptions, headings, and images for these keywords. Local SEO: Ensure your therapy center is listed on Google My Business and other local directories. Encourage satisfied clients to leave positive reviews. Backlinks: Build high-quality backlinks from reputable websites in the mental health field to improve your site’s authority. 3. Content Marketing Content marketing involves creating and sharing valuable content to attract and engage your target audience. For therapy centers, this can be particularly powerful. Types of Content to Create: Blog Posts: Write articles on topics like coping with anxiety, the benefits of therapy, and how to choose a therapist. Video Content: Create videos that explain your services, introduce your therapists, and share client success stories (with permission). E-books and Guides: Offer free downloadable resources on mental health topics in exchange for visitors’ email addresses. Webinars: Host webinars on mental health topics to establish your center as an authority and provide value to your audience.

they collaborate with other people.” So how do you do this? Over the years, through lots of trial and error and with a lot of advice from Bill, we learned this particular art. Support them as they continue to perform, and minimize time spent fighting them. Instead, invest that energy in trying as hard as possible to coach them past their aberrant behavior. As long as you can do this successfully, the rewards can be tremendous: more genius, less aberrant.

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