Transaction Successful Quotes

In business, trust is a prerequisite of transacting.

Trust is the bedrock of any healthy relationship, including those between a company and its stakeholders. Trust is what keeps our economy going because without trust, people don’t transact.

We’re all somebody’s prospect; we’re all somebody’s customer.

Transaction successful. Safeword: Rainbow Your secret question: Have you ever danced with the devil in the pale moonlight? Correct Answer: Pineapples. Watch your back. Sincerely, Happy Kitty

Explain the value and justify the cost - People don’t mind paying; they just don’t like to overpay.

Get up in the morning on a mission to save prospective clients from the shabby, ill-fitting, overpriced and worthless alternatives that those charlatans - who are your competition - are trying to get away with flogging them.

We all need salespeople who help people with the same enthusiasm shown by a small child describing the best Christmas present EVER

Don’t tell me you’re passionate about your job – show me that you’re passionate about helping people like me.

Think about it: if someone had found a way to manipulate human choice and free will – if someone actually had that kind of power – wouldn’t it be a tad surprising if they then decided to share their secret with the masses in a book for $20? Not to mention how it would be just very slightly unethical.

The self-employed need business strategies that are relationship-based, not transactional, authentic to who you are, and right-sized for small business.

We all need salespeople with humility, honesty, integrity, empathy and an old-fashioned work ethic that ensures the job gets done.

We all need salespeople who deliver value that wasn’t there before they arrived.

The salesperson you’d ideally like to be and the salesperson you’d like to encounter as a customer should roughly be the same, shouldn’t they?

Solving the problem means helping the customer to understand why you’re the best person for the job

Focusing on Earning the Right will have an incredible effect on the success of every single sales call that you will make from this day on.

When your pipeline is full – with business coming out of your ears – the notion of people asking for a discount will sound hilarious, because you’ll already be at capacity

If you don’t earn their trust at the beginning, they sure as hell won’t trust you with their money at the end.

Salespeople who think that it’s all about price aren’t required: If it can be sold on the internet at the lowest price, you can take the huge cost of a sales team out of the equation.

I'm confidently of opinion that we are competent to transact the business which had been entrusted to our care; that we are equal' to every exigence which might occur; and therefore, I had not seen the necessity of foreign aid! [responding to Benjamin Franklin's suggestion to start each day of Congressional session with prayer "to the Creator of the universe, and the Governour of all nations, beseeching Him to preside in our council, enlighten our minds with a portion of heavenly wisdom, influence our hearts with a love of truth and justice, and crown our labours with-complete and abundant success"]

Summary of the Science of Getting Rich There is a thinking stuff from which all things are made, and which, in its original state, permeates, penetrates, and fills the interspaces of the universe. A thought in this substance produces the thing that is imaged by the thought. Man can form things in his thought, and by impressing his thought upon formless substance can cause the thing he thinks about to be created. In order to do this, man must pass from the competitive to the creative mind; otherwise he cannot be in harmony with the Formless Intelligence, which is always creative and never competitive in spirit. Man may come into full harmony with the Formless Substance by entertaining a lively and sincere gratitude for the blessings it bestows upon him. Gratitude unifies the mind of man with the intelligence of Substance, so that man’s thoughts are received by the Formless. Man can remain upon the creative plane only by uniting himself with the Formless Intelligence through a deep and continuous feeling of gratitude. Man must form a clear and definite mental image of the things he wishes to have, to do, or to become; and he must hold this mental image in his thoughts, while being deeply grateful to the Supreme that all his desires are granted to him. The man who wishes to get rich must spend his leisure hours in contemplating his Vision, and in earnest thanksgiving that the reality is being given to him. Too much stress cannot be laid on the importance of frequent contemplation of the mental image, coupled with unwavering faith and devout gratitude. This is the process by which the impression is given to the Formless, and the creative forces set in motion. The creative energy works through the established channels of natural growth, and of the industrial and social order. All that is included in his mental image will surely be brought to the man who follows the instructions given above, and whose faith does not waver. What he wants will come to him through the ways of established trade and commerce. In order to receive his own when it shall come to him, man must be active; and this activity can only consist in more than filling his present place. He must keep in mind the Purpose to get rich through the realization of his mental image. And he must do, every day, all that can be done that day, taking care to do each act in a successful manner. He must give to every man a use value in excess of the cash value he receives, so that each transaction makes for more life; and he must so hold the Advancing Thought that the impression of increase will be communicated to all with whom he comes in contact. The men and women who practice the foregoing instructions will certainly get rich; and the riches they receive will be in exact proportion to the definiteness of their vision, the fixity of their purpose, the steadiness of their faith, and the depth of their gratitude.

You might be urged to say: "Yes, but these are rare examples. The average man or woman never makes a success of day trading by reading moment by moment transactions of the market.

22% of current business-to-business salespeople will be replaced by search engines within the next five years.

We all need salespeople who understand the problem and can deliver a solution that works brilliantly for both sides.

Remember: when you walk into a DIY store to buy a drill, you don’t want the drill. Your end goal is to make a hole and, in order to achieve this, you have to buy the drill.

If what you sell doesn’t help me then why are you knocking on my door?

A sales transaction, at its most fundamental form, is an inherently hostile act.  Both the buyer and the seller want the best possible deal.

Asking the appropriate questions means understanding exactly what your customer is trying to achieve

Earn the Right - Ensure you put this chunk of Sales Tetris in place first and all the other pieces just take their own positions naturally.

In many instances, the words “sell” and “influence” are completely interchangeable.

We all desperately need brilliant sales professionals far more than ever before – to help us, guide us, keep us informed and stop us from making diabolically stupid buying decisions.

Thus was this expedition finished...after having, by its event, strongly evinced this important truth; that though prudence, intrepidity and perseverence united are not exempted from the blows of adverse fortune, yet in a long series of transactions they usually rise superior to its power, and in the end rarely fail of proving successful. Voyage Around The World, 1751

You have the legs and other also have it; they have the brain and you have it! Stop thinking you can't transact the business that others can. If you do, you are raising your inflation rate!

Self-Confidence Formula First. I know that I have the ability to achieve the object of my Definite Purpose in life, therefore, I demand of myself persistent, continuous action toward its attainment, and I here and now promise to render such action. Second. I realize the dominating thoughts of my mind will eventually reproduce themselves in outward, physical action, and gradually transform themselves into physical reality, therefore, I will concentrate my thoughts for thirty minutes daily, upon the task of thinking of the person I intend to become, thereby creating in my mind a clear mental picture of that person. Third. I know through the principle of auto-suggestion, any desire that I persistently hold in my mind will eventually seek expression through some practical means of attaining the object back of it, therefore, I will devote ten minutes daily to demanding of myself the development of self-confidence. Fourth. I have clearly written down a description of my definite chief aim in life, and I will never stop trying, until I shall have developed sufficient self-confidence for its attainment. Fifth. I fully realize that no wealth or position can long endure, unless built upon truth and justice, therefore, I will engage in no transaction which does not benefit all whom it affects. I will succeed by attracting to myself the forces I wish to use, and the cooperation of other people. I will induce others to serve me, because of my willingness to serve others. I will eliminate hatred, envy, jealousy, selfishness, and cynicism, by developing love for all humanity, because I know that a negative attitude toward others can never bring me success. I will cause others to believe in me, because I will believe in them, and in myself. I will sign my name to this formula, commit it to memory, and repeat it aloud once a day, with full faith that it will gradually influence my thoughts and actions so that I will become a self-reliant, and successful person.

Your brand is a combination of a customer’s experiences with your business at every touchpoint. Each memory, thought, impression, website visit, story, sales letter, social media post, event, phone call, and transaction contribute to your company’s brand reputation.

And yet, in Raissa, at every moment there is a child in a window who laughs seeing a dog that has jumped on a shed to bite into a piece of polenta dropped by a stonemason who has shouted from the top of the scaffolding, "Darling, let me dip into it," to a young servant-maid who holds up a dish of ragout under the pergola, happy to serve it to the umbrella-maker who is celebrating a successful transaction, a white lace parasol bought to display at the races by a great lady in love with an officer who has smiled at her taking the last jump, happy man, and still happier his horse, flying over the obstacles, seeing a francolin flying in the sky, happy bird freed from its cage by a painter happy at having painted it feather by feather, speckled with red and yellow in the illumination of that page in the volume where the philosopher says: "Also in Raissa, city of sadness, there runs an invisible thread that binds one living being to another for a moment, then unravels, then is stretched again between moving points as it draws new and rapid patterns so that at every second the unhappy city contains a happy city unaware of its own existence.

Novelist Victor Hugo believed, "He who every morning plans the transactions of the day and follows out that plan carries a thread that will guide him through the labyrinth of the most busy life . . . But where no plan is laid, where the disposal of time is surrendered merely to the chance of incident, chaos will soon reign.

Trends consist of three specific phases. Every trend moves through three phases. The accumulation phase is the period when investors with exceptional information actively buy (in a bullish trend) or sell (in a bearish trend). The public participation phase occurs when, due to price movement caused by activity in the accumulation phase, the general public joins in the trend. Finally, the distribution phase occurs when speculators enter the market and over-buy or over-sell, and at this point the observant investor begins to transact in the opposite direction.

In the urban communities of medieval Europe, the success of merchants, traders, and artisans depended—in part—on their reputation for impartial honesty and fairness, and on their industriousness, patience, precision, and punctuality. These reputational systems favored the cultivation of the relevant social standards, attentional biases, and motivations that apply to impersonal transactions. I suspect these changes in both people’s psychology and society’s reputational standards are an important part of the rapidly rising availability of credit, which helped fuel the commercial revolution.57

we live in a world where logic is massively overrated, emotions are seen as a weakness and decisions based on intuition have little or no place. We have forgotten where we came from. Over time, we have neglected the limbic brain that got us to the pivotal moment in our evolution, and instead placed the cortex on a pedestal. We have demoted depth, passion and instinct and come to rely on the surface-level capabilities—such as exams, rote-learning or transactional relationships—that are more connected with material gain than true joy. We live a life dominated by stress and are too busy to really take notice of who we are, where we are going and what we want from life. We are now at a moment where technology will disrupt our minds and bodies more than we can begin to imagine.

Something needs to be said about the role of anonymity and digital pseudonyms. This is a topic for an essay unto itself, of course. Are true names really needed? Why are they asked for? Does the nation state have any valid reason to demand they be used? People want to know who they are dealing with, for psychological/evolutionary reasons and to better ensure traceability should they need to locate a person to enforce the terms of a transaction. The purely anonymous person is perhaps justifiably viewed with suspicion. And yet pseudonyms are successful in many cases. We rarely know whether someone who presents himself by some name is “actually” that person. Authors, artists, performers, etc., often use pseudonyms. What matters is persistence and nonforgeability. Crypto provides this.

Self-Confidence Formula First. I know that I have the ability to achieve the object of my Definite Purpose in life, therefore, I DEMAND of myself persistent, continuous action toward its attainment, and I here and now promise to render such action. Second. I realize the dominating thoughts of my mind will eventually reproduce themselves in outward, physical action, and gradually transform themselves into physical reality, therefore, I will concentrate my thoughts for thirty minutes daily, upon the task of thinking of the person I intend to become, thereby creating in my mind a clear mental picture of that person. Third. I know through the principle of auto-suggestion, any desire that I persistently hold in my mind will eventually seek expression through some practical means of attaining the object back of it, therefore, I will devote ten minutes daily to demanding of myself the development of SELF-CONFIDENCE. Fourth. I have clearly written down a description of my DEFINITE CHIEF AIM in life, and I will never stop trying, until I shall have developed sufficient self-confidence for its attainment. Fifth. I fully realize that no wealth or position can long endure, unless built upon truth and justice, therefore, I will engage in no transaction which does not benefit all whom it affects. I will succeed by attracting to myself the forces I wish to use, and the cooperation of other people. I will induce others to serve me, because of my willingness to serve others. I will eliminate hatred, envy, jealousy, selfishness, and cynicism, by developing love for all humanity, because I know that a negative attitude toward others can never bring me success. I will cause others to believe in me, because I will believe in them, and in myself. I will sign my name to this formula, commit it to memory, and repeat it aloud once a day, with full FAITH that it will gradually influence my THOUGHTS and ACTIONS so that I will become a self-reliant, and successful person.

In the year 2000, it was standard practice for the successful chief executive officer of a corporation to shuck his wife of two to three decades’ standing for the simple reason that her subcutaneous packing was deteriorating, her shoulders and upper back were thickening like a shot-putter’s—in short, she was no longer sexy. Once he set up the old wife in a needlepoint shop where she could sell yarn to her friends, he was free to take on a new wife, a “trophy wife,” preferably a woman in her twenties, and preferably blond, as in an expression from that time, a “lemon tart.” What was the downside? Was the new couple considered radioactive socially? Did people talk sotto voce, behind the hand, when the tainted pair came by? Not for a moment. All that happened was that everybody got on the cell phone or the Internet and rang up or E-mailed one another to find out the spelling of the new wife’s first name, because it was always some name like Serena and nobody was sure how to spell it.

You often find this difference between different types of investors. Some will tell you that all the value is in driving down the price you pay as low as possible. These investors revel in the transaction itself, in playing with the deal terms, in beating up their opponent at the negotiating table. That has always seemed short term to me. What that thinking ignores is all the value you can realize once you own an asset: the improvements you can make, the refinancing you can do to improve your returns, the timing of your sale to make the most of a rising market. If you waste all your energy and goodwill in pursuit of the lowest possible purchase price and end up losing the asset to a higher bidder, all that future value goes away. Sometimes it’s best to pay what you have to pay and focus on what you can then do as an owner. The returns to successful ownership will often be much higher than the returns on winning a one-off battle over price. At the price I suggested, I calculated that we would lock in a 16 percent annual yield.

When Joe and I went to meet Goldman’s real estate team, though, we found they had a different view of the risks of this deal. Goldman wanted to bid as low as possible to avoid overpaying. For me, the biggest risk was not offering enough and missing out on a tremendous opportunity. I wanted to make sure we beat Bankers Trust’s expected bid. You often find this difference between different types of investors. Some will tell you that all the value is in driving down the price you pay as low as possible. These investors revel in the transaction itself, in playing with the deal terms, in beating up their opponent at the negotiating table. That has always seemed short term to me. What that thinking ignores is all the value you can realize once you own an asset: the improvements you can make, the refinancing you can do to improve your returns, the timing of your sale to make the most of a rising market. If you waste all your energy and goodwill in pursuit of the lowest possible purchase price and end up losing the asset to a higher bidder, all that future value goes away. Sometimes it’s best to pay what you have to pay and focus on what you can then do as an owner. The returns to successful ownership will often be much higher than the returns on winning a one-off battle over price.

Notice that your everyday, not-so-dire experience and behavior, what we can think of as your mental and physical worldline, unwinds smoothly from one moment to the next. Whatever it is that you’re thinking and doing and feeling right now will of course change, but it evolves into each successive moment according to transitions that, even though they might not realize your hopes, are nonetheless causally perfect. Although you don’t always get what you want, or even what you need, what you always get is an unobstructed, unhindered unfolding of experience and behavior into the next moment. What is this? It’s nature doing what it does, effortlessly: being the many-leveled, interlocked and evolving patterns, conforming to what we call laws of nature, that constitute you. You, in your compulsory struggle to control, achieve, persist and enjoy, are exactly what fits and gets expressed in this bit of space-time. You, a person, are in fact a process that’s perfectly entailed from moment to moment by the local configuration of impersonal factors cooked up by evolution and culture, genes and memes. We can trace the you-process historically and we can see it concurrently – what the organism and its mind do in transaction with immediate surroundings. Either way, what we see is an unhindered expression of cause and effect, the patterning of natural laws as they constitute you the person, whether in agony or ecstasy, joy or regret.

Launching “Buy It Now” was a large change that touched every transaction, but the eBay team also innovated across the experience for both sellers and buyers as well. With an initial success, we doubled down on innovation to drive growth. We introduced stores on eBay, which dramatically increased the amount of product offered for sale on the platform. We expanded the menu of optional features that sellers could purchase to better highlight their listings on the site. We improved the post-transaction experience on ebay.com by significantly improving the “checkout” flow, including the eventual seamless integration of PayPal on the eBay site. Each of these innovations supported the growth of the business and helped to keep that gravity at bay. Years later, Jeff became a general partner at Andreessen Horowitz, where he would kick off the firm’s success in startups with network effects, investing in Airbnb, Instacart, Pinterest, and others. I’m lucky to work with him! He recounted in an essay on the a16z blog that his strategy was to grow eBay by adding layers and layers of new revenue—like “adding layers to the cake.” You can see it visually here: Figure 12: eBay’s growth layer cake As the core US business began to look more like a line than a hockey stick, international and payments were layered on top. Together, the aggregate business started to look like a hockey stick, but underneath it was actually many new lines of business.

Cohen continued to struggle with his own well-being. Even though he had achieved his life’s dream of running his own firm, he was still unhappy, and he had become dependent on a psychiatrist named Ari Kiev to help him manage his moods. In addition to treating depression, Kiev’s other area of expertise was success and how to achieve it. He had worked as a psychiatrist and coach with Olympic basketball players and rowers trying to improve their performance and overcome their fear of failure. His background building athletic champions appealed to Cohen’s unrelenting need to dominate in every transaction he entered into, and he started asking Kiev to spend entire days at SAC’s offices, tending to his staff. Kiev was tall, with a bushy mustache and a portly midsection, and he would often appear silently at a trader’s side and ask him how he was feeling. Sometimes the trader would be so startled to see Kiev there he’d practically jump out of his seat. Cohen asked Kiev to give motivational speeches to his employees, to help them get over their anxieties about losing money. Basically, Kiev was there to teach them to be ruthless. Once a week, after the market closed, Cohen’s traders would gather in a conference room and Kiev would lead them through group therapy sessions focused on how to make them more comfortable with risk. Kiev had them talk about their trades and try to understand why some had gone well and others hadn’t. “Are you really motivated to make as much money as you can? This guy’s going to help you become a real killer at it,” was how one skeptical staff member remembered Kiev being pitched to them. Kiev’s work with Olympians had led him to believe that the thing that blocked most people was fear. You might have two investors with the same amount of money: One was prepared to buy 250,000 shares of a stock they liked, while the other wasn’t. Why? Kiev believed that the reluctance was a form of anxiety—and that it could be overcome with proper treatment. Kiev would ask the traders to close their eyes and visualize themselves making trades and generating profits. “Surrendering to the moment” and “speaking the truth” were some of his favorite phrases. “Why weren’t you bigger in the trades that worked? What did you do right?” he’d ask. “Being preoccupied with not losing interferes with winning,” he would say. “Trading not to lose is not a good strategy. You need to trade to win.” Many of the traders hated the group therapy sessions. Some considered Kiev a fraud. “Ari was very aggressive,” said one. “He liked money.” Patricia, Cohen’s first wife, was suspicious of Kiev’s motives and believed that he was using his sessions with Cohen to find stock tips. From Kiev’s perspective, he found the perfect client in Cohen, a patient with unlimited resources who could pay enormous fees and whose reputation as one of the best traders on Wall Street could help Kiev realize his own goal of becoming a bestselling author. Being able to say that you were the

1. I know that I have the ability to achieve the object of my Definite Purpose in life. Therefore I demand of myself persistent, continuous action towards its attainment, and I here and now promise to take such action. 2. I realise the dominating thoughts of my mind will eventually reproduce themselves in outward, physical action and gradually transform themselves into physical reality. Therefore I will concentrate my thoughts for 30 minutes daily upon the task of thinking of the person I intend to become, thereby creating in my mind a clear mental picture of that person. 3. I know through the principle of autosuggestion that any desire I persistently hold in my mind will eventually seek expression through some practical means of attaining the object. Therefore I will devote 10 minutes daily to demanding of myself the development of self-confidence . 4. I have clearly written down a description of my Definite Chief Aim in life. I will never stop trying until I have developed sufficient self-confidence for its attainment. 5. I fully realise that no wealth or position can long endure unless built upon truth and justice. Therefore I will engage in no transaction that does not benefit all whom it affects. I will succeed by attracting to myself the forces I wish to use, and the cooperation of other people. I will induce others to serve me because of my willingness to serve others. I will eliminate hatred, envy, jealousy, selfishness and cynicism by developing love for all humanity because I know that a negative attitude towards others can never bring me success. I will cause others to believe in me, because I will believe in them, and in myself. I will sign my name to this formula, commit it to memory and repeat it aloud once a day, with full faith that it will gradually influence my thoughts and actions so that I will become a self-reliant and successful person.

An implicit assumption in many normative debates is that private solutions cannot be relied upon for complex problems. Can private governance facilitate cooperation in sophisticated transactions, in large groups, in heterogeneous populations, under conditions of anonymity, or across long distances? Or will problems such as free riding and prisoners’ dilemmas lead to market failure? All of these are empirical questions whose answers are usually assumed rather than investigated. Yet mechanisms of private governance are far more ubiquitous and far more powerful than commonly assumed. Mechanisms of private governance work in small and large groups, among friends and strangers, in ancient and modern societies, and for simple and extremely complex transactions. They often exist alongside, and in many cases in spite of, government legal efforts, and most of the time they are totally missed. The more that private governance solves problems behind the scenes, the more people overlook it and misattribute order to the state. Milton Friedman, for example, recognizes that private rule enforcement could work, but considers it rare: “I look over history, and outside of perhaps Iceland, where else can you find any historical examples of that kind of a system developing?” (Doherty and Friedman, 1995).3 After reading this book, I hope Friedman would answer instead that private order is all around us. Private governance is everywhere and responsible for creating order not just in basic markets but also in the world’s most sophisticated markets, including futures and advanced derivatives markets. If the success of private governance were limited to the examples in this book, the track record should be rated superb. Yet they are a fraction of what has worked and will work in the future. I hope this research inspires others to document some of the countless mechanisms that have made markets as robust as they are. Research in private governance not only

He began, “There is absolutely no doubt in the mind of a very overwhelming number of Americans, that the best immediate defense of the United States is the success of Britain in defending itself. “Now, what I am trying to do is eliminate the dollar sign. That is something brand new in the thoughts of everybody in this room, I think—get rid of the silly, foolish, old dollar sign. “Well, let me give you an illustration,” he said, and then deployed an analogy that distilled his idea into something both familiar and easy to grasp, something that would resonate with the quotidian experience of countless Americans. “Suppose my neighbor’s home catches fire, and I have got a length of garden hose four or five hundred feet away: but, my Heaven, if he can take my garden hose and connect it up with his hydrant, I may help him put out the fire. Now, what do I do? I don’t say to him before that operation, ‘Neighbor, my garden hose cost me $15; you have got to pay me $15 for it.’ What is the transaction that goes on? I don’t want $15—I want my garden hose back after the fire is over. All right. If it goes through the fire all right, intact, without any damage to it, he gives it back to me and thanks me very much for the use of it. But suppose it gets smashed up—holes in it—during the fire; we don’t have to have too much formality about it, but I say to him, ‘I was glad to lend you that hose; I see I can’t use it any more, it’s all smashed up.’ “He says ‘How many feet of it were there?’ “I tell him, ‘There were 150 feet of it.’ “He says, ‘All right, I will replace it.’ ” That became the kernel of an act introduced in Congress soon afterward, numbered H.R. 1776 and titled “A Bill Further to Promote the Defense of the United States, and for Other Purposes,” soon to receive its lasting byname, the Lend-Lease Act. Central to the proposal was the idea that it was in the best interests of the United States to provide Britain, or any ally, with all the aid it needed, whether it could pay or not.

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First: I know that I have the ability to achieve the object of my definite purpose, therefore I demand of myself persistent, aggressive and continuous action toward its attainment. Second: I realize that the dominating thoughts of my mind eventually reproduce themselves in outward, bodily action, and gradually transform themselves into physical reality, therefore I will concentrate My mind for thirty minutes daily upon the task of thinking of the person I intend to be, by creating a mental picture of this person and then transforming that picture into reality through practical service. Third: I know that through the principle of Autosuggestion, any desire that I persistently hold in my mind will eventually seek expression through some practical means of realizing it, therefore I shall devote ten minutes daily to demanding of myself the development of the factors named in the sixteen lessons of this Reading Course on the Law of Success. Fourth: I have clearly mapped out and written down a description of my definite purpose in life, for the coming five years. I have set a price on my services for each of these five years; a price that I intend to earn and receive, through strict application of the principle of efficient, satisfactory service which I will render in advance. Fifth: I fully realize that no wealth or position can long endure unless built upon truth and justice, therefore I will engage in no transaction which does not benefit all whom it affects. I will succeed by attracting to me the forces I wish to use, and the co-operation of other people. I will induce others to serve me because I will first serve them. I will eliminate hatred, envy, jealousy, selfishness and cynicism by developing love for all humanity, because I know that a negative attitude toward others can never bring me success. I will cause others to believe in me because I will believe in them and in myself. I will sign my name to this formula, commit it to memory and repeat it aloud once a day with full faith that it will gradually influence my entire life so that I will become a successful and happy worker in my chosen field of endeavor.

Self-Confidence Formula First: I know that I have the ability to achieve the object of my definite purpose, therefore I demand of myself persistent, aggressive and continuous action toward its attainment. Second: I realize that the dominating thoughts of my mind eventually reproduce themselves in outward, bodily action, and gradually transform themselves into physical reality, therefore I will concentrate My mind for thirty minutes daily upon the task of thinking of the person I intend to be, by creating a mental picture of this person and then transforming that picture into reality through practical service. Third: I know that through the principle of Autosuggestion, any desire that I persistently hold in my mind will eventually seek expression through some practical means of realizing it, therefore I shall devote ten minutes daily to demanding of myself the development of the factors named in the sixteen lessons of this Reading Course on the Law of Success. Fourth: I have clearly mapped out and written down a description of my definite purpose in life, for the coming five years. I have set a price on my services for each of these five years; a price that I intend to earn and receive, through strict application of the principle of efficient, satisfactory service which I will render in advance. Fifth: I fully realize that no wealth or position can long endure unless built upon truth and justice, therefore I will engage in no transaction which does not benefit all whom it affects. I will succeed by attracting to me the forces I wish to use, and the co-operation of other people. I will induce others to serve me because I will first serve them. I will eliminate hatred, envy, jealousy, selfishness and cynicism by developing love for all humanity, because I know that a negative attitude toward others can never bring me success. I will cause others to believe in me because I will believe in them and in myself. I will sign my name to this formula, commit it to memory and repeat it aloud once a day with full faith that it will gradually influence my entire life so that I will become a successful and happy worker in my chosen field of endeavor. Signed ______

Self-Confidence Formula First. I know that I have the ability to achieve the object of my Definite Purpose in life; therefore, I DEMAND of myself persistent, continuous action toward its attainment, and I here and now promise to render such action. Second. I realize that the dominating thoughts of my mind will eventually reproduce themselves in outward, physical action, and gradually transform themselves into physical reality; therefore, I will concentrate my thoughts for 30 minutes daily upon the task of thinking of the person I intend to become, thereby creating in my mind a clear mental picture of that person. Third. I know that through the principle of autosuggestion any desire that I persistently hold in my mind will eventually seek expression through some practical means of attaining the object back of it; therefore, I will devote ten minutes daily to demanding of myself the development of SELF-CONFIDENCE. Fourth. I have clearly written down a description of my DEFINITE CHIEF AIM in life, and I will never stop trying until I shall have developed sufficient self-confidence for its attainment.4 Fifth. I fully realize that no wealth or position can long endure unless built upon truth and justice; therefore, I will engage in no transaction that does not benefit all whom it affects. I will succeed by attracting to myself the forces I wish to use and the cooperation of other people. I will induce others to serve me because of my willingness to serve others. I will eliminate hatred, envy, jealousy, selfishness, and cynicism by developing love for all humanity—because I know that a negative attitude toward others can never bring me success. I will cause others to believe in me because I will believe in them and in myself. Sixth. I will sign my name to this formula, commit it to memory, and repeat it aloud once a day, with full FAITH that it will gradually influence my THOUGHTS and ACTIONS so that I will become a self-reliant and successful person. Back of this formula is a law of Nature which no one has yet been able to explain. It has baffled the scientists of all ages. The psychologists have named this the “Law of Autosuggestion” and let it go at that.

But employee ownership is not just about sharing. It is also, in practice, often about giving. Such schemes depend on someone, usually the proprietor, deciding at some point to transfer ownership of some or all of a company to its employees. And it is this aspect of the ideal, I think, that has the greatest significance for my story. Of all the things I have given, it is arguable that the shares in my company that I gave away had the greatest financial value. In fact, I have rarely thought of this transfer of ownership as a gift, and I would be wrong if I did. The staff had a right to share in the company. Without them, the company would not have been so prosperous (and I am certain that Xansa would never have reached anything like the financial heights it eventually did if it hadn’t been powered by the fuel of staff ownership). But while I never doubted that aspect of the transfer, I did sometimes struggle with a more abstract issue: the fact that transferring ownership also means, ultimately, transferring control. That was the real challenge: surrendering power. Anyone can adjust to having a bit less money; ceding control of an enterprise that really matters to you is, by contrast, painfully counterintuitive. Who in their right mind would entrust an organisation that they have built up against all the odds, through years of tears, toil and sweat, to someone else? What if they mess it up? What if they don’t really understand what it is that you have created? What if they take it in some dangerous new direction, or manage it in a less idealistic way? Yet without that surrender, the most important part of the transaction is lost. A feudal grandee can be as generous as he likes with his wealth and property, but as long as he remains the grandee then his dependants are not empowered: they are merely well-fed. Empowering them means letting go: in other words, ceasing to be the grandee. I have struggled all my life with an instinct to hang on to the things that matter most to me, to control and protect them myself. Yet the art of surrender is, I am convinced, a key to many kinds of success - and fulfilment. And many lives are limited by a failure to master it.

By pointing to the captain’s foolhardy departure from standard procedure, the officials shielded themselves from the disturbing image of slaves overpowering their captors and relieved themselves of the uncomfortable obligation to explain how and why the events had deviated from the prescribed pattern. But assigning blame to the captain for his carelessness afforded only partial comfort, for by seizing their opportunity, the Africans aboard the Cape Coast had done more than liberate themselves (temporarily at least) from the slave ship. Their action reminded any European who heard news of the event of what all preferred not to contemplate too closely; that their ‘accountable’ history was only as real as the violence and racial fiction at its foundation. Only by ceaseless replication of the system’s violence did African sellers and European buyers render captives in the distorted guise of human commodities to market. Only by imagining that whiteness could render seven men more powerful than a group of twice their number did European investors produce an account naturalizing social relations that had as their starting point an act of violence. Successful African uprisings against European captors were of course moments at which the undeniable free agency of the captives most disturbed Europeans—for it was in these moments that African captives invalidated the vision of the history being written in this corner of the Atlantic world and articulated their own version of a history that was ‘accountable.’ Other moments in which the agency and irrepressible humanity of the captives manifested themselves were more tragic than heroic: instances of illness and death, thwarted efforts to escape from the various settings of saltwater slavery, removal of slaves from the market by reason of ‘madness.’ In negotiating the narrow isthmus between illness and recovery, death and survival, mental coherence and insanity, captives provided the answers the slave traders needed: the Africans revealed the boundaries of the middle ground between life and death where human commodification was possible. Turning people into slaves entailed more than the completion of a market transaction. In addition, the economic exchange had to transform independent beings into human commodities whose most ‘socially relevant feature’ was their ‘exchangeability’ . . . The shore was the stage for a range of activities and practices designed to promote the pretense that human beings could convincingly play the part of their antithesis—bodies animated only by others’ calculated investment in their physical capacities.

To every one Jesus has left a work to do, there is no one who can plead that he is excused. Every Christian is to be a worker with Christ; but those to whom he has intrusted large means and abilities have the greater responsibilities. … The Master has given directions, “Occupy till I come.” He is the great proprietor, and has a right to investigate every transaction, and approve or condemn; he has a right to rebuke, to encourage, to counsel, or to expel. The Lord’s work requires careful thought and the highest intellect. He will not inquire how successful you have been in gathering means to hoard, or that you may excel your neighbors in property, and gather attention to yourself while excluding God from your hearts and homes. He will inquire, What have you done to advance my cause with the talents I lent you? What have you done for me in the person of the poor, the afflicted, the orphan, and the fatherless? I was sick, poor, hungry, and destitute of clothing; what did you do for me with my intrusted means? How was the time I lent you employed? How did you use your pen, your voice, your money, your influence? I made you the depositary of a precious trust by opening before you the thrilling truths heralding my second coming. What have you done with the light and knowledge I gave you to make men wise unto salvation? Our Lord has gone away to receive his kingdom; but he will prepare mansions for us, and then will come to take us to himself. In his absence he has given us the privilege of being co-laborers with him in the work of preparing souls to enter those mansions of light and glory. It was not that we might lead a life of worldly pleasure and extravagance that he left the royal courts of Heaven, clothing his divinity with humanity, and becoming poor that we through his poverty might be made rich. He did this that we might follow his example of self-denial for others. Each one of us is building upon the true foundation, wood, hay, and stubble, to be consumed in the last great conflagration, and our life-work be lost, or we are building upon that foundation, gold, silver, and precious stones, which will never perish, but shine the brighter amid the devouring elements that will try every man’s work. Any unfaithfulness in spiritual and eternal things here will result in loss throughout endless ages. Those who lead a Christless life, who exclude Jesus from heart, home, and business, who leave him out of their counsels, and trust to their own heart, and rely on their own judgment, are unfaithful servants, and will receive the reward which their works have merited. At his coming the Master will call his servants, and reckon with them. The parable certainly teaches that good works will be rewarded according to the motive that prompted them; that skill and intellect used in the service of God will prove a success, and will be rewarded according to the fidelity of the worker. Those who have had an eye single to the glory of God will have the richest reward. -ST 11-20-84

Remember to look for these three factors when you’re trying to spot platform opportunities: technology that reduces transaction costs and removes gatekeepers; implicit or underserved networks; and large, fragmented sources of supply. One of these factors can be enough to enable the growth of a successful platform business, but the more boxes you can tick off, the better.

Costs in employee time. To the debit side of the ledger must also be added the transactional costs of metrics: the expenditure of employee time by those tasked with compiling and processing the metrics—not to speak of the time required to actually read them. That is exacerbated by the “reporting imperative”—the perceived need to constantly generate information, even when nothing significant is going on. Sometimes the metric of success is the number and size of the reports generated, as if nothing is accomplished unless it is extensively documented. Those within the organization end up spending more and more time compiling data, writing reports, and attending meetings at which the data and reports are coordinated. So, as the heterodox management consultants Yves Morieux and Peter Tollman note, employees work longer and harder at activities that add little to the real productiveness of their organization, while sapping their enthusiasm.

As any truly formidable real estate investor will tell you, success doesn’t come from knowing how to negotiate—it comes from knowing how to solve problems. Your best deals won’t come from exerting leverage over the other party or from charming a buyer or seller with your charisma. Your best deals will come from solving the problems that are motivating the other party to want to enter into the transaction in the first place.

I fully realize that no wealth or position can long endure, unless built upon truth and justice; therefore, I will engage in no transaction which does not benefit all whom it affects. I will succeed by attracting to myself the forces I wish to use, and the cooperation of other people. I will induce others to serve me, because of my willingness to serve others. I will eliminate hatred, envy, jealousy, selfishness, and cynicism, by developing love for all humanity, because I know that a negative attitude toward others can never bring me success. I will cause others to believe in me, because I will believe in them, and in myself. I will sign my name to this formula, commit it to memory, and repeat it aloud once a day, with full faith that it will gradually influence my thoughts and actions so that I will become a self-reliant, and successful person.

Give every man more in use value than you take from him in cash value; then you are adding to the life of the world by every business transaction.

First. I know that I have the ability to achieve the object of my Definite Purpose in life, therefore, I demand of myself persistent, continuous action toward its attainment, and I here and now promise to render such action. Second. I realize the dominating thoughts of my mind will eventually reproduce themselves in outward, physical action, and gradually transform themselves into physical reality, therefore, I will concentrate my thoughts for thirty minutes daily, upon the task of thinking of the person I intend to become, thereby creating in my mind a clear mental picture of that person. Third. I know through the principle of auto-suggestion, any desire that I persistently hold in my mind will eventually seek expression through some practical means of attaining the object back of it, therefore, I will devote ten minutes daily to demanding of myself the development of self-confidence. Fourth. I have clearly written down a description of my definite chief aim in life, and I will never stop trying, until I shall have developed sufficient self-confidence for its attainment. Fifth. I fully realize that no wealth or position can long endure, unless built upon truth and justice, therefore, I will engage in no transaction which does not benefit all whom it affects. I will succeed by attracting to myself the forces I wish to use, and the cooperation of other people. I will induce others to serve me, because of my willingness to serve others. I will eliminate hatred, envy, jealousy, selfishness, and cynicism, by developing love for all humanity, because I know that a negative attitude toward others can never bring me success. I will cause others to believe in me, because I will believe in them, and in myself.

Last transaction price cannot and should not be a tool to measure the success or failure of investing.

1 Minute Wisdom for Success: To Succeed in the world of business, requires one to create the most RELEVANT, and meaningful, value, and promote it, effectively, to those who have the need/interest, and capacity, to transact.

The experience of working through the four-level process does more than develop an understanding of our impacts. It changes the conversation. Understanding benefits enables everyone to make a seamless transition from feature selling to sales and marketing based on value creation and sustainability. And it at this altitude, high above the typical transaction sales process, that great things can occur for an organization.

Relationships, not just transactions, constitute the true currency of business.

Self-Confidence Formula First. I know that I have the ability to achieve the object of my Definite Purpose in life, therefore, I demand of myself persistent, continuous action toward its attainment, and I here and now promise to render such action. Second. I realize the dominating thoughts of my mind will eventually reproduce themselves in outward, physical action, and gradually transform themselves into physical reality, therefore, I will concentrate my thoughts for thirty minutes daily, upon the task of thinking of the person I intend to become, thereby creating in my mind a clear mental picture of that person. Third. I know through the principle of auto-suggestion, any desire that I persistently hold in my mind will eventually seek expression through some practical means of attaining the object back of it, therefore, I will devote ten minutes daily to demanding of myself the development of self-confidence. Fourth. I have clearly written down a description of my definite chief aim in life, and I will never stop trying, until I shall have developed sufficient self-confidence for its attainment. Fifth. I fully realize that no wealth or position can long endure, unless built upon truth and justice, therefore, I will engage in no transaction which does not benefit all whom it affects. I will succeed by attracting to myself the forces I wish to use, and the cooperation of other people. I will induce others to serve me, because of my willingness to serve others. I will eliminate hatred, envy, jealousy, selfishness, and cynicism, by developing love for all humanity, because I know that a negative attitude toward others can never bring me success. I will cause others to believe in me, because I will believe in them, and in myself.

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Unveiling London E-commerce Triumph: Decoding Data with WooCommerce Analytics In the bustling realm of London e-commerce, navigating the digital landscape requires not just intuition but informed decision-making backed by data. This is where the marriage of WooCommerce and analytics becomes a game-changer. In this exploration, we delve into the nuances of leveraging WooCommerce Analytics for e-commerce success in London. As we embark on this journey, the expertise of a dedicated woocommerce development in london adds a unique perspective, unraveling the potential of data decoding in the heart of the e-commerce landscape. Understanding the London E-commerce Scene This section emphasizes the importance of understanding the unique characteristics of the London e-commerce landscape. It underscores the need for businesses to be attuned to local market trends, consumer preferences, and the digital sophistication of the London audience to effectively leverage WooCommerce Analytics. The Role of WooCommerce Agency in London E-commerce Analytics 1. Proactive Data Strategy: Setting the Foundation This point explains the proactive role of a WooCommerce agency in London in establishing a robust data strategy. It involves setting up analytics tools, defining KPIs, and aligning data collection with the specific goals of London e-commerce businesses. 2. Tailoring Analytics to London Market Trends Here, the focus is on tailoring analytics solutions to capture and interpret data that is directly relevant to the ever-evolving market trends of London. A WooCommerce agency in London customizes analytics approaches to provide actionable insights for businesses in the local market. Key Metrics and KPIs for London E-commerce Success 3. Conversion Rate Optimization (CRO): Turning Clicks into Transactions This point explores the pivotal role of Conversion Rate Optimization (CRO) in London e-commerce. It delves into how a WooCommerce agency in London optimizes the conversion rate by refining the checkout process, analyzing user journeys, and enhancing the overall user experience to maximize sales. 4. Customer Lifetime Value (CLV): Fostering Long-Term Relationships The focus here is on the importance of Customer Lifetime Value (CLV) analytics. It explains how a WooCommerce agency in London helps businesses identify high-value customers, tailor marketing strategies, and foster long-term relationships for sustained success. WooCommerce Analytics Tools and Implementations 5. Google Analytics Integration for Comprehensive Insights This point delves into the integration of Google Analytics with WooCommerce. It explains how a WooCommerce agency in London guides businesses through the integration process, utilizing Google Analytics to gain comprehensive insights into user behavior, traffic sources, and website performance. 6. Custom Reports and Dashboards: Tailoring Insights for London Businesses Here, the emphasis is on the creation of custom reports and dashboards by a WooCommerce agency in London. These tailored insights provide businesses with specific information relevant to their products, target audience, and market trends, enhancing decision-making accuracy. Analyzing User Behavior for Enhanced User Experience 7. Heatmaps and User Flow Analysis: Optimizing the Customer Journey This point explores the use of heatmaps and user flow analysis to optimize the customer journey in London e-commerce. A WooCommerce agency in London employs these tools to uncover patterns, identify bottlenecks, and make strategic adjustments for a seamless user experience. 8. Abandoned Cart Analysis: Recovering Lost Opportunities This section discusses the significance of abandoned cart analysis. It explains how a WooCommerce agency in London utilizes analytics to understand the reasons behind cart abandonment and implements targeted strategies to recover potentially lost sales through personalized retargeting campaigns.

Dick Cheney at the Pentagon. Cheney then prepared me for the final phase of the operation. This was a meeting with Prince Bandar (who Cheney, Houston, and others referred to as Sultan) in Nashville, Tennessee where he often visited corrupt friends. There, I would relay a message of agreement to Fahd's terms between Noriega and the U.S., as well as confirm all Air Force flights (Carrier Pigeons) and bank transactions. In turn, Fahd's "Homing Pigeon" would relay the messages to Fahd so that the seemingly long running drugs for arms deals would draw to a successful conclusion. Dick Cheney cautioned me, "Sultan will be in Nashville

Building relationships across cultures is much more than just a business necessity; it is an art form that demands sensitivity, patience, and an open mind. A true global leader sees beyond mere transactions to the building of long-term partnerships that respect and honor the diversity of practices and values.

It was admittedly great to have moved past survival mode, but after it became evident that we would survive—and likely continue to grow—the question “What now?” repeatedly surfaced. Is that all there is? More growth, more financial success? The risk many businesses run at this stage is they can become absorbed in the transactions. More efficient transactions lead to more financial growth and success, generating increasing wealth. In the process, the business can become hollow. Leaders are excited by the growth and financial rewards, but the business can lose meaning as the organization becomes obsessed with continued financial growth. It was in this process of exploring our future at this stage that this deeper purpose took a deeper hold and a clearer view of organization meaning surfaced. A shift of emphasis occurs over time as organizations evolve. Intentionally managing that shift is an essential task for leaders.

The Importance of Bookkeeping for Business Success Bookkeeping is a vital component of any business, regardless of its size or industry. It involves the accurate recording of financial transactions, which provides essential data for financial reporting, decision-making, and tax compliance. By maintaining well-organized and detailed financial records, businesses can ensure long-term stability and growth. What is Bookkeeping? Bookkeeping refers to the process of systematically recording a company’s financial transactions, including income, expenses, payroll, and other financial activities. It provides the foundation for creating financial statements such as balance sheets and income statements. Without proper bookkeeping, businesses would struggle to maintain accurate records, which could lead to financial mismanagement and compliance issues. Benefits of Professional Bookkeeping One of the most important benefits of bookkeeping is improved financial management. Professional bookkeepers help businesses maintain accurate and up-to-date records, ensuring that every transaction is tracked and categorized correctly. This level of organization allows business owners to monitor their cash flow, identify areas where they can cut costs, and make informed decisions. Additionally, by outsourcing bookkeeping, businesses can focus on their core operations without worrying about financial details. Tax Compliance and Preparation Tax season can be stressful for businesses, but proper bookkeeping makes it much easier. When financial records are well-maintained throughout the year, tax preparation becomes a seamless process. Bookkeepers ensure that all income and expenses are accurately recorded, allowing businesses to file their taxes without errors. Moreover, organized records help businesses take advantage of tax deductions and avoid penalties for late or inaccurate filings. Financial Reporting and Growth Accurate bookkeeping also plays a key role in generating financial reports. These reports provide insights into a business’s profitability, cash flow, and overall financial health. With this information, business owners can plan for future growth, make strategic investments, and secure loans if needed. Without reliable financial data, making informed decisions becomes much more difficult. In conclusion, bookkeeping is an essential practice for any business. By ensuring accurate financial records, tax compliance, and detailed reporting, businesses can achieve greater financial stability and growth opportunities.

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

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

Sarah Catherine Norris, proud to call Dallas, TX, home, leads a successful commercial real estate company, utilizing her deep understanding of the local market for mutually beneficial transactions.

Looking for the top real estate agent in Saugus? Nichole DiModica is your trusted local expert, offering personalized service and deep market knowledge. Whether you're buying or selling, Nichole's commitment to delivering exceptional results ensures a smooth, successful transaction every time.

Douglas Mox, known as Doug Mox to his clients, excels as a real estate agent with a deep understanding of the housing market and property trends. His professional guidance covers everything from finding the right property to closing the deal, ensuring a smooth and successful transaction. Doug Mox’s proactive approach and attention to detail make him a trusted advisor for all your real estate needs.

Thus was this expedition finished, when it had lasted 3 years and 9 months after having, by its event, strongly evinced this important truth: That thought prudence, intrepidity and perseverance united are not exempted from the blows of adverse fortune, in a long series of transactions they usually rise superior to its power and in the end rarely fail of proving successful." from 'Voyage Around the World' 1751

a cooperative day center had a problem with certain parents’ picking up their children in a timely way. It decided to impose a charge, to provide an incentive for them to do so. But many parents, including those who had occasionally been late, had struggled to pick up their children on time; they did as well as they did because of social pressure, the desire to do the “right thing,” even if they were less than fully successful. But charging a fee converted a social obligation into a monetary transaction. Parents no longer felt a social responsibility, but assessed whether the benefits of being late were greater or less than the fine. Lateness increased.62 There

Curbing the financial sector. Since so much of the increase in inequality is associated with the excesses of the financial sector, it is a natural place to begin a reform program. Dodd-Frank is a start, but only a start. Here are six further reforms that are urgent: (a) Curb excessive risk taking and the too-big-to-fail and too-interconnected-to-fail financial institutions; they’re a lethal combination that has led to the repeated bailouts that have marked the last thirty years. Restrictions on leverage and liquidity are key, for the banks somehow believe that they can create resources out of thin air by the magic of leverage. It can’t be done. What they create is risk and volatility.2 (b) Make banks more transparent, especially in their treatment of over-the-counter derivatives, which should be much more tightly restricted and should not be underwritten by government-insured financial institutions. Taxpayers should not be backing up these risky products, no matter whether we think of them as insurance, gambling instruments, or, as Warren Buffett put it, financial weapons of mass destruction.3 (c) Make the banks and credit card companies more competitive and ensure that they act competitively. We have the technology to create an efficient electronics payment mechanism for the twenty-first century, but we have a banking system that is determined to maintain a credit and debit card system that not only exploits consumers but imposes large fees on merchants for every transaction. (d) Make it more difficult for banks to engage in predatory lending and abusive credit card practices, including by putting stricter limits on usury (excessively high interest rates). (e) Curb the bonuses that encourage excessive risk taking and shortsighted behavior. (f) Close down the offshore banking centers (and their onshore counterparts) that have been so successful both at circumventing regulations and at promoting tax evasion and avoidance. There is no good reason that so much finance goes on in the Cayman Islands; there is nothing about it or its climate that makes it so conducive to banking. It exists for one reason only: circumvention. Many

Executives are often defined by perpetual activity: doing deals, running meetings, and conducting transactions. If executives are to be successful strategists, they must get things done, but they must also take time to understand why they are doing what they are doing and thinking what they are thinking. Taking a deep dive requires the capability to reflect critically, ask tough questions, and employ divergent thinking. Dive

According to Tertullian, impatient actions do not produce what they promise. Instead, impatient actions make things worse, bringing about massive misfortunes. “Now, nothing undertaken through impatience can be transacted without violence, and everything done with violence has either met with no success or has collapsed or has plunged to its own destruction.” 57 Patience, on the other hand, brings new possibilities. Patience is the source of the “practices of peace,” which bring reconciliation week by week in the Christian worship services (Matt. 5: 24).

Alipay has over 400 million registered users who transacts over 175 million times in a single day.

The Gift that Keeps on Giving I once had a lovely real estate client named Jane who was an elderly lady living alone. Her sons lived far away in the Pacific Northwest and she rarely saw them. I became her Realtor when she decided she needed to down-size from her larger home and buy a smaller one. Throughout this transition, we would talk, laugh, share, and bond. After we successfully completed her transactions and got her comfortably situated in her new home, I stayed in touch to nurture our friendship. Over a year later, I got a call from her son in Seattle who was calling to inform me that his mother had passed away. And at the reading of her will it was revealed she had requested that when it the time came to sell the property in her estate, they were to call Susan Young. By making her feel special and important, I earned not only her friendship, but her loyalty and continued business.

you’re not doing somebody a favor because you’re getting something in return. The goal of the group is to instill the value of giving: you don’t have to be transactional about it, you don’t have to trade it. If you do something for somebody in the group, then when you need it, someone in the group will do something for you.

As we’ll discuss in more detail in chapter 6, a platform’s ability to monetize the value of the exchanges it facilitates is directly related to the types of currency exchange it can capture and internalize. A platform that can internalize the flow of money may be well placed to charge a transaction cut—for example, the fee of 10 percent of the sale price typically charged by eBay after a successful auction. A platform that can capture only attention may monetize its business by collecting payments from a third party that considers the attention valuable—for example, an advertiser willing to pay Facebook for “eyeballs” attracted by posts related to a particular topic. The platform’s goal, then, is to bring together producers and consumers and enable them to engage in these three forms of exchange: of information, of goods or services, and of currency. The platform provides an infrastructure that participants plug in to, which provides tools and rules to make exchanges easy and mutually rewarding.

All feedback is relevant, even if it's not true.

A transaction is a commercial favor.

The internet today is not merely a mode of communication but the defining platform by which businesses innovate and transact around the world. How can governments restrict this platform when its very success is based on transparency, openness, and access? “More

How has a failure, or apparent failure, set you up for later success? Do you have a “favorite failure” of yours? Many, many moons ago, I used to be a corporate lawyer. I was an ambivalent corporate lawyer at best, and anyone could have told you that I was in the wrong profession, but still: I’d dedicated tons of time (three years of law school, one year of clerking for a federal judge, and six and a half years at a Wall Street firm, to be exact) and had lots of deep and treasured relationships with fellow attorneys. But the day came, when I was well along on partnership track, that the senior partner in my firm came to my office and told me that I wouldn’t be put up for partner on schedule. To this day, I don’t know whether he meant that I would never be put up for partner or just delayed for a good long while. All I know is that I embarrassingly burst into tears right in front of him—and then asked for a leave of absence. I left work that very afternoon and bicycled round and round Central Park in NYC, having no idea what to do next. I thought I’d travel. I thought I’d stare at the walls for a while. Instead—and it all happened so suddenly and cinematically that it might defy belief—I remembered that actually I had always wanted to be a writer. So I started writing that very evening. The next day I signed up for a class at NYU in creative nonfiction writing. And the next week, I attended the first session of class and knew that I was finally home. I had no expectation of ever making a living through writing, but it was crystal clear to me that from then on, writing would be my center, and that I would look for freelance work that would give me lots of free time to pursue it. If I had “succeeded” at making partner, right on schedule, I might still be miserably negotiating corporate transactions 16 hours a day. It’s not that I’d never thought about what else I might like to do other than law, but until I had the time and space to think about life outside the hermetic culture of a law practice, I couldn’t figure out what I really wanted to do.

Apple Pay also lacks a loyalty-rewards program, which has been key to the success of one of the world's most popular payment apps: Starbucks, which racks up 6 million transactions per week, or 15% of the coffee chain's total. And of course, even

The more we learn of behavioral psychology, the more we understand that ideologies are as much a product of people’s nature as of observed experience. The perverted doctrines that actuated the Bolshevists may be immanent in a portion of humanity. Some people are determined to see every success as a swindling of someone else, every transaction as an exploitation, every exercise in freedom as a violation of some ideal plan, every tradition as a superstition. How delicious that, as we approach the bicentenary of his birth, Karl Marx should have turned into the thing he loathed above all: the prophet of an irrational faith.

you truly help people with the things that you sell. Once you are aware of that vital piece of information every demonstration, every presentation, every transaction will be delivered with a light shining from your heart. From your heart will shine a beacon that tells all prospects you can truly help and that that is your sole purpose for being there

I believe that if markets were hidden deep in obscured places, it would definitely be impossible for some people to get there to make transactions! If you secluded yourself out of sight, your dreams cannot go that far!

Discovering Good Plumbing Repair Contractors The Easy Way It's a very good idea to learn about a local plumbing repair contractor before hiring one. You must go to their past with a fine-toothed comb to know their reputation and work ethic. Follow our suggestions to increase the likelihood of hiring a trustworthy plumbing repair contractor. Be certain the work is completed to your satisfaction before giving a professional plumbing repair contractor the final installment payment. You should take a few days to ensure effectively you're completely happy with the work, or hire an inspector to do a thorough job for you. Just before releasing the final payment, make sure that all the work has been finished successfully and that you're happy with it. For your taxes, keep track of all financial transactions in writing, and never pay for anything with cash.

The same year we also acquired Financial Network Services (FNS), an Australian company with a retail banking software package called Bancs24. We needed them because some of our competitors had begun to target that market segment with their own IP. Bancs24 was a very comprehensive package and we were able to successfully win the systems integration contract for the State Bank of India (SBI) Group for implementation of core banking. Since we had invested considerable effort in customizing and strengthening it we felt acquiring FNS would be strategic for our products business. During our initial dealings with FNS and its feisty owner Tony Ward we learned to our surprise that when the product was being developed in the early 1980s TCS had deputed its programmers to Sydney to work with Tony and his team to help develop the product. Since the acquisition we have been able to deploy the FNS software package, rechristened ‘Bancs’, extensively with a number of domestic clients. Today close to 50 per cent of the banking transactions in India are processed by Bancs, thereby justifying the acquisition we made.

From the start, I wanted PayPal to be tightly knit instead of transactional. I thought stronger relationships would make us not just happier and better at work but also more successful in our careers even beyond PayPal. So we set out to hire people who would actually enjoy working together. They had to be talented, but even more than that they had to be excited about working specifically with us. That was the start of the PayPal Mafia.

One rule is this: that if the risk of a transaction is very great it should not be considered at all, no matter what profit it offers if it is successful.

Although routines and standards are clearly related, they are not identical. As Kindleberger (1983) pointed out, standards are public goods; they reflect interpersonally shared knowledge. We might even say that a standard is a certain kind of “public” routine that helps to coordinate private (individual or intraorganizational) routines. But routines are not only about coordination. As we saw, routines embody potentially useful—we might even say productive—knowledge. In the terminology of Ryle (1949), they reflect “knowledge how.” In some cases, such useful knowledge can be knowledge about how to transact, the possession of which thus reduces transaction costs. My internalized knowledge that I always ought to keep to the right (not the left) as another car approaches might be an example, at least if we construe the interaction between oncoming drivers metaphorically as a transaction. But the skillful exercise of a particular technique for suturing an incision would also be a routine, and not one obviously involving the reduction of transaction costs. Useful knowledge applied to problems of transacting is a special case of a more general phenomenon. As Winter (1988) has suggested, one needs to have economic capabilities (an effective repertoire of routines) in order to be able to transact as well as to be able to produce.6 Like standards, routines can be both enabling and constraining. The possession of an effective repertoire of routines would be crucial to the successful production of product A; but possessing that repertoire might also inhibit a transition to the production of product B. Routines are generally as hard to unlearn as to learn, which may give the advantage in situations of radical innovation to those who have never learned the routines in the first place.7 This is no doubt what Schumpeter (1934) had in mind when he wrote that “new combinations are, as a rule, embodied, as it were, in new firms which generally do not arise out of the old ones but start producing beside them;... in general it is not the

SELF-CONFIDENCE FORMULA     First. I know that I have the ability to achieve the object of my Definite Purpose in life, therefore, I DEMAND of myself persistent, continuous action toward its attainment, and I here and now promise to render such action.   Second. I realize the dominating thoughts of my mind will eventually reproduce themselves in outward, physical action, and gradually transform themselves into physical reality, therefore, I will concentrate my thoughts for thirty minutes daily, upon the task of thinking of the person I intend to become, thereby creating in my mind a clear mental picture of that person.   Third. I know through the principle of auto-suggestion, any desire that I persistently hold in my mind will eventually seek expression through some practical means of attaining the object back of it, therefore, I will devote ten minutes daily to demanding of myself the development of SELF-CONFIDENCE.   Fourth. I have clearly written down a description of my DEFINITE CHIEF AIM in life, and I will never stop trying, until I shall have developed sufficient self-confidence for its attainment.   Fifth. I fully realize that no wealth or position can long endure, unless built upon truth and justice, therefore, I will engage in no transaction which does not benefit all whom it affects. I will succeed by attracting to myself the forces I wish to use, and the cooperation of other people. I will induce others to serve me, because of my willingness to serve others. I will eliminate hatred, envy, jealousy, selfishness, and cynicism, by developing love for all humanity, because I know that a negative attitude toward others can never bring me success. I will cause others to believe in me, because I will believe in them, and in myself.   I will sign my name to this formula, commit it to memory, and repeat it aloud once a day, with full FAITH that it will gradually influence my THOUGHTS and ACTIONS so that I will become a self-reliant, and successful person.

Unhappily, the basic assumption that most institutional investors can outperform the market is false. Today, the institutions are the market. Institutions do over 95 percent of all exchange trades and an even higher percentage of off-board and derivatives trades. It is precisely because investing institutions are so numerous and capable and determined to do well for their clients that investment has become a loser’s game. Talented and hardworking as they are, professional investors cannot, as a group, outperform themselves. In fact, given the cost of active management—fees, commissions, market impact of big transactions, and so forth—investment managers have and will continue to underperform the overall market. Individual

Mutual fund investors, too, have inflated ideas of their own omniscience. They pick funds based on the recent performance superiority of fund managers, or even their long-term superiority, and hire advisers to help them do the same thing. But, the advisers do it with even less success (see Chapters 8, 9, and 10). Oblivious of the toll taken by costs, fund investors willingly pay heavy sales loads and incur excessive fund fees and expenses, and are unknowingly subjected to the substantial but hidden transaction costs incurred by funds as a result of their hyperactive portfolio turnover. Fund investors are confident that they can easily select superior fund managers. They are wrong.

Bare Attention is the clear and single-minded awareness of what actually happens to us and in us at the successive moments of perception,” write the authors of the Philosophical Transactions article.

Behind every stock exchange transaction, there are two parties: the pro and the idiot. But sometimes, the idiot lucks out!

Widespread distrust imposes a kind of tax on all forms of economic activity It constricts and raises the cost of transactions.

This book is a compilation of interesting ideas that have strongly influenced my thoughts and I want to share them in a compressed form. That ideas can change your worldview and bring inspiration and the excitement of discovering something new. The emphasis is not on the technology because it is constantly changing. It is much more difficult to change the accompanying circumstances that affect the way technological solutions are realized. The chef did not invent salt, pepper and other spices. He just chooses good ingredients and uses them skilfully, so others can enjoy his art. If I’ve been successful, the book creates a new perspective for which the selection of ingredients is important, as well as the way they are smoothly and efficiently arranged together. In the first part of the book, we follow the natural flow needed to create the stimulating environment necessary for the survival of a modern company. It begins with challenges that corporations are facing, changes they are, more or less successfully, trying to make, and the culture they are trying to establish. After that, we discuss how to be creative, as well as what to look for in the innovation process. The book continues with a chapter that talks about importance of inclusion and purpose. This idea of inclusion – across ages, genders, geographies, cultures, sexual orientation, and all the other areas in which new ways of thinking can manifest – is essential for solving new problems as well as integral in finding new solutions to old problems. Purpose motivates people for reaching their full potential. This is The second and third parts of the book describes the areas that are important to support what is expressed in the first part. A flexible organization is based on IT alignment with business strategy. As a result of acceleration in the rate of innovation and technological changes, markets evolve rapidly, products’ life cycles get shorter and innovation becomes the main source of competitive advantage. Business Process Management (BPM) goes from task-based automation, to process-based automation, so automating a number of tasks in a process, and then to functional automation across multiple processes andeven moves towards automation at the business ecosystem level. Analytics brought us information and insight; AI turns that insight into superhuman knowledge and real-time action, unleashing new business models, new ways to build, dream, and experience the world, and new geniuses to advance humanity faster than ever before. Companies and industries are transforming our everyday experiences and the services we depend upon, from self-driving cars, to healthcare, to personal assistants. It is a central tenet for the disruptive changes of the 4th Industrial Revolution; a revolution that will likely challenge our ideas about what it means to be a human and just might be more transformative than any other industrial revolution we have seen yet. Another important disruptor is the blockchain - a distributed decentralized digital ledger of transactions with the promise of liberating information and making the economy more democratic. You no longer need to trust anyone but an algorithm. It brings reliability, transparency, and security to all manner of data exchanges: financial transactions, contractual and legal agreements, changes of ownership, and certifications. A quantum computer can simulate efficiently any physical process that occurs in Nature. Potential (long-term) applications include pharmaceuticals, solar power collection, efficient power transmission, catalysts for nitrogen fixation, carbon capture, etc. Perhaps we can build quantum algorithms for improving computational tasks within artificial intelligence, including sub-fields like machine learning. Perhaps a quantum deep learning network can be trained more efficiently, e.g. using a smaller training set. This is still in conceptual research domain.

One rule is this: that if the risk of a transaction is very great it should not be considered at all, no matter what profit it offers if it is successful. That’s one of the basic rules that should never be broken. You apply that rule to the idea of committing a murder, and what do you get? There’s too much risk, so you don’t do it. The idea is no good. It’s all a matter of debit and credit, and with murder you start out with too big a debit. Every proposition on earth can be figured on a basis of profit and loss, and there’s no other practical way to figure anything.” He

important, valuable companies that follow this pattern. One reason marketplaces are powerful is because they often tap into two-sided network effects. While it is difficult to create a successful marketplace from a cold start, the first marketplace that does manage to achieve liquidity—the ability for buyers and sellers to quickly and efficiently find a counterparty to conduct a transaction—becomes very attractive to both sides of the market. As buyers and sellers pour in, the marketplace becomes even more attractive to both parties, triggering a positive feedback loop that makes it very hard for new entrants to win any market share.

Self-Confidence Formula. First: I know that I have the ability to achieve the object of my definite purpose in life; therefore, I demand of myself persistent, continuous action toward its attainment, and I here and now promise to render such action. Second: I realize the dominating thoughts of my mind will eventually reproduce themselves in outward, physical action, and gradually transform themselves into physical reality; therefore, I will concentrate my thoughts for thirty minutes daily, upon the task of thinking of the person I intend to become, thereby creating in my mind a clear mental picture. Third: I know through the principle of autosuggestion, any desire that I persistently hold in my mind will eventually seek expression through some practical means of attaining the object back of it; therefore, I will devote ten minutes daily to demanding of myself the development of self-confidence. Fourth: I have clearly written down a description of my definite chief aim in life, and I will never stop trying, until I shall have developed sufficient self-confidence for its attainment. Fifth: I fully realize that no wealth or position can long endure, unless built upon truth and justice; therefore, I will engage in no transaction which does not benefit all whom it affects. I will succeed by attracting to myself the forces I wish to use, and the cooperation of other people. I will induce others to serve me, because of my willingness to serve others. I will eliminate hatred, envy, jealousy, selfishness, and cynicism, by developing love for all humanity, because I know that a negative attitude toward others can never bring me success. I will cause others to believe in me, because I will believe in them, and in myself. I will sign my name to this formula, commit it to memory, and repeat it aloud once a day, with full faith that it will gradually influence my thoughts and actions so that I will become a self-reliant, and successful person. Back

3M didn’t sell raw materials, so there was no business to transact. But McKnight—curiosity piqued and on the prowl for interesting new ideas that might move the company forward—asked a simple question: “Why does Mr. Okie want these samples?”35

Copy the following formula, sign it, and commit it to memory: I know that I have the ability to achieve the object of my definite purpose, therefore I demand of myself persistent, aggressive, and continuous action toward its attainment. I realize that the dominating thoughts of my mind will eventually reproduce themselves in outward, bodily action and then gradually transform themselves into physical reality. Therefore, I will concentrate my mind for thirty minutes daily on the task of thinking of the person I intend to be, by creating a mental picture of this person and then transforming that picture into reality through my actions. I know that through the principle of autosuggestion, any desire that I persistently hold in my mind will eventually seek expression through some practical means of realizing it. Therefore, I shall devote ten minutes daily to demanding of myself the development of the factors named in the seventeen lessons of the Law of Success course. I have clearly mapped out, and written down, a description of my definite purpose in life for the next five years. I have set a price on my services for each of these five years, a price that I intend to earn and receive through strict application of the principle of efficient, satisfactory service, which I will render in advance. I fully realize that no wealth or position can long endure unless it is built upon truth and justice. Therefore, I will engage in no transaction that does not benefit all whom it affects. I will succeed by attracting to me the forces I wish to use and the cooperation of other people. I will induce others to serve me because I will first serve them. I will eliminate hatred, envy, jealousy, selfishness, and cynicism by developing love for all humanity, because I know that a negative attitude toward others can never bring me success. I will cause others to believe in me because I will believe in them and in myself. I will sign my name to this formula, commit it to memory, and repeat it aloud once a day with full faith that it will gradually influence my entire life so that I will become a successful and happy worker in my chosen field of endeavor. Signed………………………………

Net-banking ‘was’ an important payment method because of (a) lower credit card penetration (b) fear of using cards online. Over a period, net-banking users started moving to debit cards (as every bank account has a debit card) but the rise of UPI drastically affected net-banking transactions. Erosion of net-banking can be attributed to both merchants and customers alike: Customer: Multiple hops to complete the transaction, non-optimised mobile pages and remembering password (not a user-friendly flow). Merchant: Success rate is inconsistent and lower; commercials are higher (than debit cards) for majority of sectors. Few years ago, net-banking options were prominently displayed on merchant’s checkout pages. But nowadays net-banking options are at the bottom of the page or hidden as the merchants still wants to have it but don’t want users to pay using those.

will engage in no transaction which does not benefit all whom it affects. I will succeed by attracting to myself the forces I wish to use, and the cooperation of other people. I will induce others to serve me, because of my willingness to serve others. I will eliminate hatred, envy, jealousy, selfishness, and cynicism, by developing love for all humanity, because I know that a negative attitude toward others can never bring me success. I will cause others to believe in me, because I will believe in them, and in myself.

Scale economies reduce a startup’s unit costs as its transaction volumes increase. Some startups benefit from scale economies to a much greater extent than others; in these businesses, entrepreneurs will feel impelled to grow fast. Potential scale economies will be large when a business has 1) high fixed overhead expenses in relation to its current sales volume, and 2) lots of “learning-by-doing” opportunities.

Two-sided networks have two groups of users who each consistently play a distinct role in transactions. For example, credit card companies serve cardholders and merchants, recruiting websites match job seekers and corporate employers, and videogame consoles connect gamers with game developers. By contrast, one-sided networks have just one type of user. Although every Skype call has a sender and a receiver, these roles are transient: Most Skype users make and receive calls at different times.

An old farmer said he quit tobacco for good one day when he discovered he had left his tobacco home and started to walk the two miles for it. On the way, he “saw” that he was being “used” in a humiliating way by a habit. He got mad, turned around, went back to the field, and never smoked again. Clarence Darrow, the famous attorney, said his success started the day that he “got mad” when he attempted to secure a mortgage to buy a house. Just as the transaction was about to be completed, the lender’s wife spoke up and said, “Don’t be a fool. He will never make enough money to pay it off.” Darrow himself had had serious doubts about the same thing. But something happened when he heard her remark. He became indignant, both at the woman and at himself, and determined he would be a success. A businessman friend of mine had a very similar experience. A failure at 40, he continually worried about “how things would come out,” about his own inadequacies, and whether or not he would be able to complete each business venture. Fearful and anxious, he was attempting to purchase some machinery on credit, when the seller’s wife objected. She did not believe he would ever be able to pay for the machinery. At first his hopes were dashed. But then he became indignant. Who was he to be pushed around like that? Who was he to skulk through the world, continually fearful of failure? The experience awakened “something” within him—some “new self”—and at once he saw that this woman’s remark, as well as his own opinion of himself, was an affront to this “something.” He had no money, no credit, and no way to accomplish what he wanted. But he found a way—and within three years he was more successful than he had ever dreamed of being—not in one business, but in three.

The first rule of your relationship with your boss is to understand that it’s a business transaction.

Fifth: I fully realize that no wealth or position can long endure, unless built upon truth and justice; therefore, I will engage in no transaction which does not benefit all whom it affects. I will succeed by attracting to myself the forces I wish to use, and the cooperation of other people. I will induce others to serve me, because of my willingness to serve others. I will eliminate hatred, envy, jealousy, selfishness, and cynicism, by developing love for all humanity, because I know that a negative attitude toward others can never bring me success. I will cause others to believe in me, because I will believe in them, and in myself. I will sign my name to this formula, commit it to memory, and repeat it aloud once a day, with full faith that it will gradually influence my thoughts and actions so that I will become a self-reliant, and successful person.

This is what passive investors get if they invest in an S&P500 tracker or ETF. Not very good, huh? Worse still, some active fund managers do no better than the underlying index because they invest in the same companies in similar proportions to the index. When the fees and transaction costs of fund managers are taken into account the resultant return is actually worse than the index!

Self-Confidence Formula I know that I have the ability to achieve the object of my Definite Purpose in life, therefore, I demand of myself persistent, continuous action toward its attainment, and I here and now promise to render such action. I realize the dominating thoughts of my mind will eventually reproduce themselves in outward, physical action, and gradually transform themselves into physical reality, therefore, I will concentrate my thoughts for thirty minutes daily, upon the task of thinking of the person I intend to become, thereby creating in my mind a clear mental picture of that person. I know through the principle of autosuggestion, any desire that I persistently hold in my mind will eventually seek expression through some practical means of attaining the object back of it, therefore, I will devote ten minutes daily to demanding of myself the development of self-confidence. I have clearly written down a description of my definite chief aim in life, and I will never stop trying, until I will have developed sufficient self-confidence for its attainment. I fully realize that no wealth or position can long endure, unless built upon truth and justice, therefore, I will engage in no transaction which does not benefit all whom it affects. I will succeed by attracting to myself the forces I wish to use, and the cooperation of other people. I will induce others to serve me, because of my willingness to serve others. I will eliminate hatred, envy, jealousy, selfishness, and cynicism, by developing love for all humanity, because I know that a negative attitude toward others can never bring me success. I will cause others to believe in me, because I will believe in them, and in myself. I will sign my name to this formula, commit it to memory, and repeat it aloud once a day, with full faith that it will gradually influence my thoughts and actions so that I will become a self-reliant, and successful person.

This is what happened when I cofounded LinkedIn. The key business model innovations for LinkedIn, including the two-way nature of the relationships and filling professionals’ need for a business-oriented online identity, didn’t just happen organically. They were the result of much thought and reflection, and I drew on the experiences I had when founding SocialNet, one of the first online social networks, nearly a decade before the creation of LinkedIn. But life isn’t always so neat. Many companies, even famous and successful ones, have to develop their business model innovation after they have already commenced operations. PayPal didn’t have a business model when it began operations (I was a key member of the PayPal executive team). We were growing exponentially, at 5 percent per day, and we were losing money on every single transaction we processed. The funny thing is that some of our critics called us insane for paying customers bonuses to refer their friends. Those referral bonuses were actually brilliant, because their cost was so much lower than the standard cost of acquiring new financial services customers via advertising. (We’ll discuss the power and importance of this kind of viral marketing later on.) The insanity, in fact, was that we were allowing our users to accept credit card payments, sticking PayPal with the cost of paying 3 percent of each transaction to the credit card processors, while charging our users nothing. I remember once telling my old college friend and PayPal cofounder/ CEO Peter Thiel, “Peter, if you and I were standing on the roof of our office and throwing stacks of hundred-dollar bills off the edge as fast as our arms could go, we still wouldn’t be losing money as quickly as we are right now.” We ended up solving the problem by charging businesses to accept payments, much as the credit card processors did, but funding those payments using automated clearinghouse (ACH) bank transactions, which cost a fraction of the charges associated with the credit card networks. But if we had waited until we had solved this problem before blitzscaling, I suspect we wouldn’t have become the market leader.

Taking inventory of mental assets and liabilities, you will discover that your greatest weakness is lack of self-confidence. This handicap can be surmounted, and timidity translated into courage, through the aid of the principle of autosuggestion. The application of this principle may be made through a simple arrangement of positive thought impulses stated in writing, memorized, and repeated, until they become a part of the working equipment of the subconscious faculty of your mind. SELF-CONFIDENCE FORMULA First. I know that I have the ability to achieve the object of my Definite Purpose in life, therefore, I DEMAND of myself persistent, continuous action toward its attainment, and I here and now promise to render such action. Second. I realize the dominating thoughts of my mind will eventually reproduce themselves in outward, physical action, and gradually transform themselves into physical reality, therefore, I will concentrate my thoughts for thirty minutes daily, upon the task of thinking of the person I intend to become, thereby creating in my mind a clear mental picture of that person. Third. I know through the principle of auto-suggestion, any desire that I persistently hold in my mind will eventually seek expression through some practical means of attaining the object back of it, therefore, I will devote ten minutes daily to demanding of myself the development of SELF-CONFIDENCE. Fourth. I have clearly written down a description of my DEFINITE CHIEF AIM in life, and I will never stop trying, until I shall have developed sufficient self-confidence for its attainment. Fifth. I fully realize that no wealth or position can long endure, unless built upon truth and justice, therefore, I will engage in no transaction which does not benefit all whom it affects. I will succeed by attracting to myself the forces I wish to use, and the cooperation of other people. I will induce others to serve me, because of my willingness to serve others. I will eliminate hatred, envy, jealousy, selfishness, and cynicism, by developing love for all humanity, because I know that a negative attitude toward others can never bring me success. I will cause others to believe in me, because I will believe in them, and in myself.

You're more inclined to make a new investment after having success on your most recent transaction.

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Last month, my cousin had a frustrating experience with a seemingly legitimate online store. She had been searching for some new tech gadgets and stumbled upon a website that appeared to be offering great deals on the latest products. The store had professional photos, a user-friendly interface, and even customer reviews, which made it seem entirely trustworthy. Convinced by the attractive prices and the professional appearance of the site, my cousin went ahead and made a purchase worth $17,000, excited to receive her new items. However, as days turned into weeks, and then into months, the delivery never came. The tracking number provided on the site didn’t work, and when my cousin tried to contact customer support, there was no response. The website itself had vanished, leaving behind only a blank page. It became clear that she had fallen victim to a fake online store scam. Feeling helpless and frustrated, my cousin didn’t know what to do next. But fortunately, a colleague at her workplace had gone through a similar situation in the past and had been referred to FUNDS RECLIAMER COMPANY for help. Her colleague highly recommended their services, saying they were able to recover significant amounts of lost money from scams just like the one my cousin had encountered. Without wasting any time, my cousin contacted FUNDS RECLIAMER COMPANY. The team was professional, understanding, and walked her through the process step by step. They explained that they specialized in tracking and recovering funds lost to fraudulent online transactions. The initial consultation was free, and they immediately got to work on identifying the details of the transaction and tracing where the funds had gone. In just a few weeks, FUNDS RECLIAMER COMPANY successfully helped my cousin recover the entire $17,000 she had lost to the scam. The process was thorough and transparent, and she was kept informed every step of the way. It was such a relief to know that, even in a world where online scams are so prevalent, there are experts like the team at FUNDS RECLIAMER COMPANY who can help. If you or someone you know has been scammed online, I highly recommend reaching out to FUNDS RECLIAMER COMPANY. Thanks to their incredible team, my cousin was able to recover her funds and avoid the emotional and financial toll of losing such a significant amount. WhatsApp:+13612504110 Email:fundsreclaimer@consultant.com

On January 1st, I discovered that I had fallen victim to a fraudulent international shipping investment that cost me a staggering AU$8,000,000. As the owner of a shipping company based in Australia, I had been diligently searching for ways to expand and strengthen our business. When I came across an enticing opportunity that promised high returns through international shipping ventures, it seemed like the perfect move to accelerate our growth. After what I thought was thorough research and careful consideration, I decided to invest a significant amount of money. At first, everything appeared legitimate. The shipping company seemed professional, and I was regularly updated with reports that reassured me the investment was progressing as planned. However, over time, I started noticing discrepancies. Payments were delayed, communication became sporadic, and red flags began to pop up in the details of the transactions. Something didn’t feel right, and before long, the truth hit me hard—I had been scammed. The company I had trusted was a fraudulent operation, never intending to deliver on their promises.The financial loss was devastating, but the emotional toll was even worse. Not only had I lost a large sum of money, but I also faced the daunting reality of how this would affect my business, employees, and reputation. I felt completely helpless and unsure of how to recover from such a blow.That’s when I found HACK SAVVY TECH . From the very first interaction, their team demonstrated an incredible level of expertise and professionalism. They immediately grasped the gravity of the situation and laid out a clear plan to investigate the fraud and recover my lost funds. With their advanced tools and deep knowledge of cyber-investigation, they were able to track down the fraudulent activities, uncover key individuals involved, and bring them to justice.Thanks to HACK SAVVY TECH tireless efforts, they successfully secured a refund for my company, recovering a significant portion of the investment. Their work not only saved my business financially but also restored my confidence. I’m beyond grateful for their support, and I now feel empowered to move forward, knowing that I have a trusted partner like HACK SAVVY TECH by my side. mail: contactus @ hacksavvy technology . com Website: https: // hacksavvy techrecovery . com Whatsapp : +7.9.9.9.8.2.9.5.0.3.8

On January 2nd , I came across an online advertisement for an educational software package that promised to revolutionize my learning experience. I was studying digital marketing and was particularly interested in improving my skills in SEO, social media strategy, and online advertising. The software claimed to offer personalized courses, interactive lessons, and advanced tools that would significantly enhance my education. As someone constantly striving to improve my skills in the competitive field of digital marketing, I was immediately intrigued and convinced by the glowing reviews and testimonials featured on the website.The software was advertised as being user-friendly and suitable for a wide range of subjects, from beginner to advanced marketing strategies. The price was relatively steep, but given the promises and the apparent professionalism of the site, I thought it was a reasonable investment in my future. I paid AUD 4,200 for a year’s subscription to the software, expecting that it would provide value and deliver on its promises.However, after making the payment and gaining access to the platform, I quickly realized that the software was nothing like what had been advertised. The user interface was clunky and outdated, with many of the features either malfunctioning or simply nonexistent. The "interactive lessons" were little more than text-based slides that lacked any real engagement. The promised personalized learning paths were nowhere to be found, and many of the subjects listed were either incomplete or poorly structured.When I tried to contact customer support, I found that the response times were slow, and the representatives seemed unhelpful. Eventually, I realized that I had been scammed. The website I had trusted was a fraudulent operation, and I had no way of recovering my money on my own.Determined to get my AUD 4,200 back, I turned to Trust Geeks Hack Expert. I had heard about their success in helping individuals recover funds lost to online scams, so I decided to reach out for assistance E m a il > i n f o @ t r u s t g e e k s h a c k e x p e r t . c o m --- T e l e g r a m, T r u s t g e e k s h a c k e x p e r t . From the very first interaction, the team at Trust Geeks Hack Expert was professional and empathetic. They took the time to listen to my situation, collect the necessary details, and explain the steps involved in the recovery process. Trust Geeks Hack Expert worked tirelessly to track down the fraudulent website's operators and identify the transactions involved. Their experts were able to employ various strategies, including legal and technical measures, to secure my refund. Within a matter of weeks, I received a full refund of my AUD 4,200, something I had thought was impossible.Thanks to Trust Geeks Hack Expert, I was able to get my money back and avoid further losses. Their expertise and dedication in handling online fraud cases were truly remarkable. If you find yourself in a similar situation, I highly recommend reaching out to them for assistance. They not only saved me financially but also restored my trust in online transactions.

Hi, I’m sharing my ordeal today because I know many of you could be in the same situation, and I want to help you avoid the same mistake I made. A little over a month ago, I came across what seemed like an incredible deal for a movie streaming service. They promised all the latest movies, TV shows, and exclusive content for a very reasonable price. They were offering an annual subscription for just $3,000, which seemed like a great deal at the time when compared to some of the larger streaming services out there. I should’ve known something was off from the start. The website looked pretty legitimate, had professional graphics, and even customer reviews that were mostly positive. But there were no big, recognizable brand names behind it, and the service was claiming to have content from major studios, which raised a red flag I didn't fully process. Still, the deal was tempting, and after doing a quick search online (which, in hindsight, wasn’t thorough enough), I decided to go ahead and sign up. I paid the $3,000 upfront for the annual subscription, thinking that I was getting access to all the movies and shows I’d ever want. At first, everything seemed fine I received an email confirming my subscription and even a receipt. But a few days later, when I went back to the site to browse content, I couldn’t get in. The site was down, and there was no way to contact anyone. I waited a few days, hoping it was just a technical issue. But then, I started doing some more research and realized that others had fallen victim to the same scam. The website had disappeared, and no one could find any trace of the company behind it. I was furious. I had just lost $3,000, and it seemed like there was no way to get it back. That’s when I came across FUNDS RECLIAMER COMPANY. They specialize in helping people recover funds from online scams like this. I was skeptical at first, but after reading reviews and seeing their success stories, I decided to give them a try. The team at FUNDS RECLIAMER COMPANY was extremely professional. They asked for all the details about my transaction, including the payment method, and got to work right away. Within just a few days, I received updates from them, and eventually, they successfully recovered my $3,000. It felt like a huge weight was lifted off my shoulders. I honestly didn’t think it was possible to get my money back, but thanks to FUNDS RECLIAMER COMPANY, I did. If you ever find yourself in a similar situation, I highly recommend reaching out to them. They made the process simple and stress-free, and they delivered on their promises. Just remember to always be cautious when dealing with online subscriptions, especially if something feels too good to be true. Stay safe out there! WhatsApp:+1 (361) 2 5 0- 4 1 1 0

Hi, I’m sharing my ordeal today because I know many of you could be in the same situation, and I want to help you avoid the same mistake I made. A little over a month ago, I came across what seemed like an incredible deal for a movie streaming service. They promised all the latest movies, TV shows, and exclusive content for a very reasonable price. They were offering an annual subscription for just $3,000, which seemed like a great deal at the time when compared to some of the larger streaming services out there. I should’ve known something was off from the start. The website looked pretty legitimate, had professional graphics, and even customer reviews that were mostly positive. But there were no big, recognizable brand names behind it, and the service was claiming to have content from major studios, which raised a red flag I didn't fully process. Still, the deal was tempting, and after doing a quick search online (which, in hindsight, wasn’t thorough enough), I decided to go ahead and sign up. I paid the $3,000 upfront for the annual subscription, thinking that I was getting access to all the movies and shows I’d ever want. At first, everything seemed fine I received an email confirming my subscription and even a receipt. But a few days later, when I went back to the site to browse content, I couldn’t get in. The site was down, and there was no way to contact anyone. I waited a few days, hoping it was just a technical issue. But then, I started doing some more research and realized that others had fallen victim to the same scam. The website had disappeared, and no one could find any trace of the company behind it. I was furious. I had just lost $3,000, and it seemed like there was no way to get it back. That’s when I came across FUNDS RECLIAMER COMPANY. They specialize in helping people recover funds from online scams like this. I was skeptical at first, but after reading reviews and seeing their success stories, I decided to give them a try. The team at FUNDS RECLIAMER COMPANY was extremely professional. They asked for all the details about my transaction, including the payment method, and got to work right away. Within just a few days, I received updates from them, and eventually, they successfully recovered my $3,000. It felt like a huge weight was lifted off my shoulders. I honestly didn’t think it was possible to get my money back, but thanks to FUNDS RECLIAMER COMPANY, I did. If you ever find yourself in a similar situation, I highly recommend reaching out to them. They made the process simple and stress-free, and they delivered on their promises. Just remember to always be cautious when dealing with online subscriptions, especially if something feels too good to be true. Stay safe out there! WhatsApp:+1 (361) 2 5 0- 4 1 1 0 Website: h t t p s ;/ /f u n d s r e c la i m e r c o m p a n y . co m

Hi, I’m sharing my ordeal today because I know many of you could be in the same situation, and I want to help you avoid the same mistake I made. A little over a month ago, I came across what seemed like an incredible deal for a movie streaming service. They promised all the latest movies, TV shows, and exclusive content for a very reasonable price. They were offering an annual subscription for just $3,000, which seemed like a great deal at the time when compared to some of the larger streaming services out there. I should’ve known something was off from the start. The website looked pretty legitimate, had professional graphics, and even customer reviews that were mostly positive. But there were no big, recognizable brand names behind it, and the service was claiming to have content from major studios, which raised a red flag I didn't fully process. Still, the deal was tempting, and after doing a quick search online (which, in hindsight, wasn’t thorough enough), I decided to go ahead and sign up. I paid the $3,000 upfront for the annual subscription, thinking that I was getting access to all the movies and shows I’d ever want. At first, everything seemed fine I received an email confirming my subscription and even a receipt. But a few days later, when I went back to the site to browse content, I couldn’t get in. The site was down, and there was no way to contact anyone. I waited a few days, hoping it was just a technical issue. But then, I started doing some more research and realized that others had fallen victim to the same scam. The website had disappeared, and no one could find any trace of the company behind it. I was furious. I had just lost $3,000, and it seemed like there was no way to get it back. That’s when I came across FUNDS RECLIAMER COMPANY. They specialize in helping people recover funds from online scams like this. I was skeptical at first, but after reading reviews and seeing their success stories, I decided to give them a try. The team at FUNDS RECLIAMER COMPANY was extremely professional. They asked for all the details about my transaction, including the payment method, and got to work right away. Within just a few days, I received updates from them, and eventually, they successfully recovered my $3,000. It felt like a huge weight was lifted off my shoulders. I honestly didn’t think it was possible to get my money back, but thanks to FUNDS RECLIAMER COMPANY, I did. If you ever find yourself in a similar situation, I highly recommend reaching out to them. They made the process simple and stress-free, and they delivered on their promises. Just remember to always be cautious when dealing with online subscriptions, especially if something feels too good to be true. WhatsApp:+1 (361) 2 5 0- 4 1 1 0 Stay safe out there!

For the past three years, I’ve immersed myself in the world of Forex trading—learning new strategies, refining my skills, and seeking every opportunity to grow. One such opportunity was an online Forex trading contest that initially seemed like a golden ticket to success. The contest was promoted by a company that appeared reputable; the website was professionally designed, and the contest rules were clear, which made it all seem legitimate. Intrigued by the promise of a large cash reward, I decided to participate. The registration fee was set at $1,000—a price that seemed acceptable considering the potential return. I eagerly paid the fee and received an email confirming that I had advanced to the next stage of the contest. However, the excitement quickly turned to apprehension when I was informed that I needed to pay an additional $2,000 for shipping costs related to the prize package. At that moment, I had already invested $3,000 in what I believed was my path to a substantial prize. Trusting the process, I paid the shipping fee, assuming it was a necessary step toward securing my reward. But after that payment, the promised prize never arrived, and the communication from the organizers went silent. WhatsApp info:+12 (72332)—8343 Realizing something was wrong, I began to research the contest and the company behind it. To my dismay, I found numerous reports from other participants who had fallen victim to the same scheme, each losing significant sums of money. In total, I discovered I had lost $10,000—$1,000 for registration and an additional $9,000 over time in shipping fees. It was clear that I had been scammed. Website info: h t t p s:// adware recovery specialist. com Feeling frustrated and helpless, I searched for ways to reclaim my lost money. That’s when I discovered ADWARE RECOVERY SPECIALIST—a team of professionals dedicated to recovering funds lost to online scams. I reached out to them, and their experts immediately took over my case. Using advanced tracking techniques and digital forensics, they traced the scam’s trail, identified the fraudulent transactions, and ultimately managed to recover my stolen funds. Thanks to the dedicated efforts of ADWARE RECOVERY SPECIALIST, I was able to have my $10,000 returned. This experience was a harsh reminder of the importance of doing thorough research before engaging in any online contests or financial commitments. It taught me to be cautious, to question offers that seem too good to be true, and to always verify the legitimacy of any online opportunity. Email info: Adware recovery specialist (@) auctioneer. net I share my story in hopes that it serves as a cautionary tale for others in the Forex trading community. While I was fortunate to recover my funds with the help of ADWARE RECOVERY SPECIALIST, not everyone is so lucky. Always proceed with caution and remember: if an offer sounds too good to be true, it probably is. Telegram info: http s:// t. me/ adware recovery specialist1

As a devoted father of two, my primary concern has always been the safety and well-being of my family. This commitment to my family's security was put to the test on February 6, 2025, when I embarked on a quest to find a trustworthy home security system that could offer us the protection we needed. After conducting some research online, I stumbled upon a security company that seemed promising, and I took the initiative to reach out through their messaging platform. Hours later, my phone rang, and I was greeted by a representative claiming to be from a well-known home security company. They were reaching out to inform me about a special promotional offer, which immediately piqued my interest. However, as the promised week came and went without so much as a peep from the company, my feelings of unease began to escalate. I attempted to contact the company again to inquire about the delay, only to find that the number I had called was suddenly disconnected. It was at that moment—when the reality of the situation hit me—that I understood I had fallen victim to a scam. The devastation that followed was profound; losing $40,000 was not merely a financial setback but a personal failure in my eyes—an inability to safeguard my family's future. The experience left me feeling vulnerable, exposed, and utterly defeated. Determined to reclaim my lost resources, I knew that swift action was essential. I turned to the internet for help and began researching options for recovering my funds. During this search, I came across BOTNET CRYPTO RECOVERY, a company with a track record of assisting individuals who had encountered similar unfortunate situations. Intrigued by the success stories of people who had benefited from their services, I made the decision to reach out to them. From the moment I contacted BOTNET CRYPTO RECOVERY, I was met with professionalism and empathy. Their team was understanding of my plight and remained reassuring throughout the process. They immediately set to work on investigating the fraudulent transaction and kept me informed at every step, alleviating some of the anxiety that had consumed me since the incident. Thanks to their diligence, expertise, and unwavering commitment, BOTNET CRYPTO RECOVERY was eventually able to recover an astounding $35,800 of the $40,000 I had lost. The relief I felt was immeasurable; it was as if a heavy weight had been lifted from my shoulders. Not only did they help restore my finances, but they also provided me with something invaluable—peace of mind. Their contact info is listed below. +1 (431) 801-8951 botnet cryptorecovery @ groupmail . com

Trump’s lack of due diligence in major transactions, his belief that his instinct triumphed over in-depth analysis by anyone else, had become a defining characteristic. It was what stood out to Holiday executives when they partnered with him on the Plaza casino. It was what determined the fate of the USFL. It was why his plan to nearly triple the size of the previously approved project at the West Side rail yards had stalled and become increasingly costly.

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As a startup owner based in Halifax, Nova Scotia, I was excited to hire a freelance graphic designer for a complete branding package to launch my business. After some research, I found a highly recommended freelancer who seemed perfect for the job. The freelancer was professional, provided impressive samples of their work, and had great reviews from previous clients. We agreed on a high-paying contract, and to show my commitment, I paid a 50% upfront deposit of CAD 10,000.The freelancer was communicative and met deadlines as we moved through the project. I felt confident in the direction we were heading, and everything seemed to be on track. But when I finally received the completed designs, things took an unexpected turn. Despite my requests for some minor revisions, the freelancer stopped responding to emails and calls. As days passed, I became increasingly worried as they completely vanished. The contact email was suddenly invalid, and the phone number didn’t go through. Even the freelancer's website, which had seemed legitimate, was now offline.I realized that I had been scammed. Not only had I lost the remaining CAD 10,000 payment, but the branding designs I had received were unusable making the time, money, and energy I had put into this project a total waste. As a new business owner, this loss was incredibly hard to handle. It affected my ability to move forward with my plans and left me feeling helpless.Desperate for a solution, I reached out to SPARTAN TECH GROUP RETRIEVAL , a company I had heard about through some online reviews. I explained the entire situation, providing all the details: the freelancer’s communications, the fake website, and the transaction records. The team at SPARTAN TECH GROUP RETRIEVAL was incredibly professional and understanding, assuring me that they would use all their resources to track down the freelancer and recover my funds.To my amazement, within a few weeks, SPARTAN TECH GROUP RETRIEVAL had managed to trace the stolen money. They used advanced digital forensics to track the funds to an offshore account and collaborated with legal authorities to freeze it. After a thorough investigation, they successfully recovered the full CAD 10,000 and returned it to me.Not only did I get my money back, but SPARTAN TECH GROUP RETRIEVAL also took the time to educate me on how to verify the legitimacy of freelancers before hiring them. They recommended secure payment methods and advised me to conduct thorough background checks to avoid future scams.This was a wake-up call for me. As a business owner, I learned the importance of safeguarding myself against dishonest individuals. Thanks to SPARTAN TECH GROUP RETRIEVAL, I didn’t just recover my funds I gained the knowledge and confidence to continue growing my business while protecting myself from potential fraud. Reach out to them on the contact info below: Email: spartan tech (@) cyber services . c o m OR support(@) spartan tech group retrieval. o r g Website: h t t p s : / / spartan tech group retrieval . o r g WhatsApp: + 1 ( 9 7 1 ) 4 8 7 - 3 5 3 8 Telegram: + 1 ( 5 8 1 ) 2 8 6 - 8 0 9 2

As a parent, I’ve always tried to instill in my children the importance of being cautious online. So when my 16-year-old son came to me, visibly upset because he had been scammed out of €2000 while attempting to buy a gaming console, I was both angry and heartbroken. He had found what appeared to be a great deal on a website, made the payment, and then never received the product. The website vanished, and the seller became untraceable.Naturally, I was furious at the injustice of the situation. As a parent, it’s difficult to see your child face such an experience, especially when you’ve worked hard to teach them about online safety. However, instead of dwelling on the frustration, I decided to take action and help him recover from the ordeal. That’s when I reached out to Wizard Web Recovery Solution for assistance.I immediately provided them with all the details I had, including the fake website link, the transaction records, and the emails exchanged with the scammer. The team at Wizard Web Recovery Solution was incredibly understanding, and after hearing our story, they assured me they would do everything in their power to help recover the lost funds.Thanks to their expertise in digital forensics, the team was able to trace the scammer’s digital footprint and track down the offshore account to which the money had been transferred. They worked tirelessly with international authorities, navigating complex legal processes to freeze the account and recover the funds. Their persistence paid off, and within a few weeks, they successfully returned the full €2000 to us.The relief on my son’s face when we received the funds was priceless. Beyond just recovering the money, the Wizard Web Recovery Solution team took the time to educate him on how to identify and avoid online scams in the future. This experience turned into a valuable learning opportunity for both of us. My son gained a deeper understanding of the risks online, and I felt reassured that, despite the setback, there are professionals out there who can help.I am extremely grateful to Wizard Web Recovery Solution for their exceptional work. They didn’t just recover the money; they restored my son’s confidence in navigating the online world and taught him an important life lesson that will stay with him for years to come. WhatsApp_Number+44751074308

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The day I realized I had been scammed was a Friday night that I had been eagerly looking forward to. I had planned to go out with friends to unwind and enjoy some well-deserved free time. With that in mind, I logged into my account to complete a simple peer-to-peer (P2P) exchange. I intended to convert some USDT to Dollars, a process I had done countless times before without a hitch. Naturally, I wasn’t expecting any problems. But to my shock and disbelief, after completing the transaction, I discovered that the 25,000 USDT I had just transferred was gone instantly. The merchant had vanished with my funds. I couldn’t believe what had just happened. My heart sank, and panic gripped me. What was I going to do? How could I ever recover that much cryptocurrency? In that moment, I felt like I had lost everything. The idea of recovering stolen crypto seemed almost impossible. I was devastated, unsure of where to turn or how to fix my mess. Looking for a solution, I reached out to a few close friends and explained what had happened. They were shocked and sympathetic, but having heard of similar cases, one of them suggested that I try TECH CYBER FORCE RECOVERY. They had dealt with situations like mine before and thought it might be worth reaching out to them. Without wasting any time, I contacted TECH CYBER FORCE RECOVERY, and their team jumped into action right away. They immediately identified the fraudulent merchant's wallet and used their specialized tools to trace the stolen funds. The speed with which they worked was impressive. They contacted major exchanges and coordinated efforts to freeze the transactions and block any further movement of my crypto. For the first time since the scam, I felt a glimmer of hope. TECH CYBER FORCE RECOVERY kept me updated throughout the entire process, ensuring I knew exactly what was happening every step of the way. Then, just when I thought it was too good to be true, the impossible happened: all 25,000 USDT were returned to me. It felt surreal. What had seemed like an insurmountable loss was reversed. Thanks to the extraordinary efforts of TECH CYBER FORCE RECOVERY, my funds were safely returned, and my faith in the crypto world was restored. If you’ve been scammed and feel hopeless, don’t give up. TECH CYBER FORCE RECOVERY provided me with exceptional recovery services and turned my loss into a success story. They saved my 25,000 USDT.     VISIT TECH CYBER FORCE RECOVERY FOR SPECIAL HELP TO RETRIEVE YOUR LOST USDT     WhatsApp OR CALL  +.1.5.6.1.7.2.6.3.6.9.7

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successful selling profile. The authors of the book discovered that every B2B sales representative falls into five different seller profiles and identifies which is the most successful in complex sales transactions.

But the current investment banking model—whether applied in a standalone institution such as Goldman or in a broad financial conglomerate such as Deutsche Bank—is at the heart of the problems the finance sector poses for the real economy. Investment banks today engage in securities issuance, corporate advice and asset management; they make markets in equities and FICC, and trade in these markets on their own account. It is only necessary to list these functions to see that each of these activities conflicts with all the others. Each should be undertaken in distinct institutions. And with lower volumes of inter-bank trading, a diminished role for public equity markets and much more direct investment by asset managers the scale of most of these activities should be much reduced. Among all the actors in the finance sector today, only the asset manager, who typically earns a fee calculated as a percentage of funds under management, is rewarded for idleness. The profits of a segregated deposit-taking bank would similarly depend primarily on the scale of the deposit base, and secondarily on its success in making good loans. Dedicated channels of capital allocation have a more appropriate incentive structure than activities focused on trading and transactions. Whenever

The best transactions in families or between friends occur on the fly. They come as stochastic shocks, or serendipities. People often step out onto our path as we are hurrying to a meeting or intent on finishing a project, and it usually turns out that the meeting or the project was inconsequential compared to the chance to get closer to someone we cared for.

I know that I have the ability to achieve the object of my Definite Purpose in life. Therefore I demand of myself persistent, continuous action towards its attainment, and I here and now promise to take such action. 2. I realise the dominating thoughts of my mind will eventually reproduce themselves in outward, physical action and gradually transform themselves into physical reality. Therefore I will concentrate my thoughts for 30 minutes daily upon the task of thinking of the person I intend to become, thereby creating in my mind a clear mental picture of that person. 3. I know through the principle of autosuggestion that any desire I persistently hold in my mind will eventually seek expression through some practical means of attaining the object. Therefore I will devote 10 minutes daily to demanding of myself the development of self-confidence . 4. I have clearly written down a description of my Definite Chief Aim in life. I will never stop trying until I have developed sufficient self-confidence for its attainment. 5. I fully realise that no wealth or position can long endure unless built upon truth and justice. Therefore I will engage in no transaction that does not benefit all whom it affects. I will succeed by attracting to myself the forces I wish to use, and the cooperation of other people. I will induce others to serve me because of my willingness to serve others. I will eliminate hatred, envy, jealousy, selfishness and cynicism by developing love for all humanity because I know that a negative attitude towards others can never bring me success. I will cause others to believe in me, because I will believe in them, and in myself. I will sign my name to this formula, commit it to memory and repeat it aloud once a day, with full faith that it will gradually influence my thoughts and actions so that I will become a self-reliant and successful person.

A friend once told me a story about an athletic display by Governor Jeb Bush of Florida. My friend, who is a very successful businessman—and, I should note, a Democrat—opened an office in Florida with about forty employees. On the day the company was incorporated, out of the blue, he received a personal phone call from Governor Bush (whom he had never met) thanking him for doing business in Florida. “Here’s a special number,” the governor said, “that I want you to use if you ever need any roads moved or bridges built for your company.” My friend remains a Democrat, but he left that transaction very impressed with Governor Bush.

MY CODE OF ETHICS I. I believe in the Golden Rule as the basis of all human conduct; therefore, I will never do to another person that which I would not be willing for that person to do to me if our positions were reversed. II. I will be honest, even to the slightest detail, in all my transactions with others, not alone because of my desire to be fair with them, but because of my desire to impress the idea of honesty on my own subconscious mind, thereby weaving this essential quality into my own character. III. I will forgive those who are unjust toward me, with no thought as to whether they deserve it or not, because I understand the law through which forgiveness of others strengthens my own character and wipes out the effects of my own transgressions, in my subconscious mind. IV. I will be just, generous and fair with others always, even though I know that these acts will go unnoticed and unrecorded, in the ordinary terms of reward, because I understand and intend to apply the law through the aid of which one's own character is but the sum total of one's own acts and deeds. V. Whatever time I may have to devote to the discovery and exposure of the weaknesses and faults of others I will devote, more profitably, to the discovery and correction of my own. VI. I will slander no person, no matter how much I may believe another person may deserve it, because I wish to plant no destructive suggestions in my own sub-conscious mind. VII. I recognize the power of Thought as being an inlet leading into my brain from the universal ocean of life; therefore, I will set no destructive thoughts afloat upon that ocean lest they pollute the minds of others. VIII. I will conquer the common human tendency toward hatred, and envy, and selfishness, and jealousy, and malice, and pessimism, and doubt, and fear; for I believe these to be the seed from which the world harvests most of its troubles. IX. When my mind is not occupied with thoughts that tend toward the attainment of my definite chief aim in life, I will voluntarily keep it filled with thoughts of courage, and self-confidence, and good- will toward others, and faith, and kindness, and loyalty, and love for truth, and justice, for I believe these to be the seed from which the world reaps its harvest of progressive growth. X. I understand that a mere passive belief in the soundness of the Golden Rule philosophy is of no value whatsoever, either to myself or to others; there- 32- fore, I will actively put into operation this universal rule for good in all my transactions with others. XI. I understand the law through the operation of which my own character is developed from my own acts and thoughts; therefore, I will guard with care all that goes into its development. XII. Realizing that enduring happiness comes only through helping others find it; that no act of kindness is without its reward, even though it may never be directly repaid, I will do my best to assist others when and where the opportunity appears.

Gossip is the biggest hindrance to building trust and productivity in organizations across America.

There was one company—I think it was eMoneyMail—that shut down the company at a conference basically saying that the Internet is not a safe place to conduct transactions. They had 25 percent fraud. So for every $4.00 changing hands in the system, $1.00 was stolen. And it was all coming out of their pocket. They said, "We lost a ton of money," and they just quit. Then, people like Citibank and other large financial institutions that also competed with us that understood the fraud thing very well—they knew from many years of practice that this was going to become a big problem—didn't really approach it with the same happy abandon that we did. We started with this, "Fraud is going to kill us. What can we do to save ourselves?" They started from, "We have no fraud. How can we build this and not let any more fraud in?" Which is the wrong position to start because you are limiting your users, and new users learning about a new system really don't want to be restricted. Livingston: Why do you think they thought that way? Levchin: I think there's a very strong power of default where, to them, certain behavior to solve a particular problem is well understood. There are people that make careers out of risk management in big banks. They know that what you do is this and you don't do that. The other part, I think, is that a lot of them are public companies. We didn't go public until we had the fraud thing figured out. Somebody like Citibank or anyone with a substantial public visibility announcing that they are suddenly bleeding out $10 million a month in fraud would send serious shocks through the investor base. But I think, even if they did that, it's likely they wouldn't have been successful because—we had talked to a lot of them both as a potential acquirer and as partnership potential—none of them had actually ever gone to the sort of stuff that we did for our anti-fraud work. The default of how you do these things is very powerful, if you've been in the industry for a long time. So we were sort of beneficiaries of our naïveté. We thought, "We don't know how to do this; let's just invent it.

In the past, businesses were built on the brick and mortar model, transactions were done in triplicate, using carbon paper, and success was based on educational background and certificates. Fast forward to today. The internet, connectivity and emerging technologies have completely changed the game. To compete and survive in this new era requires a disruptive approach.

But an active investor can overweight a stock only if other market players take offsetting underweight positions. By definition, the sum of overweight positions must equal the sum of underweight positions, allowing the market weight to remain the market weight. Obviously, based on subsequent performance, the overweighters and underweighters turn into winners and losers (or losers and winners). If the stock in question performs well relative to the market, the overweighters win and the underweighters lose. If the stock performs poorly relative to the market, the overweighters lose and the underweighters win. Before considering transaction costs, active management appears to be a zero-sum game, a contest in which the winners’ gains exactly offset the losers’ losses. Unfortunately for active portfolio managers, investors incur significant costs in pursuit of market-beating strategies. Stock pickers pay commissions to trade and create market impact with buys and sells. Mutual-fund purchasers face the same market-related transactions costs in addition to management fees paid to advisory firms and distribution fees paid to brokerage firms. The leakage of fees from the system causes active management to turn into a negative-sum game in which the aggregate returns for active investors fall short of the aggregate returns for the market as a whole.

A successful transaction has many fathers but a dumb decision is an orphan.

Taobao introduced its hugely successful Wangwang chat service to allow buyers and sellers to communicate before completing a transaction. In fact, on many listings, you could immediately click through to the seller and initiate a live chat.

In fact, adding secondary transactions is a primary way that platforms scale. Almost all successful platforms start with one, simple core transaction. But like Uber, most expand into many secondary transactions over time.

Factors that drive turnover for the S&P 500 and Wilshire 5000 stem from market-related events. When a company exits the S&P 500 through merger, acquisition, or bankruptcy, a committee-chosen replacement takes the departing company’s place. The Wilshire 5000 passively accepts the ebb and flow of company creation and elimination, making as-frequent-as-necessary adjustments to the composition of the index. Bankrupt companies disappear, cash merger deals require redeployment of proceeds, and stock-for-stock transactions lead to elimination of the line item of the acquired company. Public offerings of securities force full-replication Wilshire 5000 index-fund managers to raise cash to acquire newly issued shares, while spinoffs simply require adding another line to the list of security holdings. In somewhat different fashion, both the S&P 500 and the Wilshire 5000 produce extremely low, investor-friendly levels of portfolio turnover.

Passive investors who select Russell style-based indices lose a substantial share of the transactions-cost benefits of index-fund investing.

When you reach a certain level of success, relationships between men and women can get really fucked up and start feeling like a raw transaction, with high levels of suspicion on both sides.

When condominiums don’t meet government-backed lenders’ standards they become non-warrantable. This means that buyers cannot get standard loans for these properties. They will have to pay cash or pay exorbitant rates through private lenders. When a building is full of non-warrantable condos, the pool of buyers shrinks and lowers the condo’s value. One might think that newer projects would have lower maintenance costs than older projects. But this isn’t always true. Some builders set monthly fees low while they advertise the project. This attracts bargain buyers, but owners soon discover they have inadequate reserves. The monthly fees then skyrocket. Even if the homeowners successfully sue the builder, it is hard to sell any properties while litigation is pending, and values drop. Most states have specific forms for condominium transactions in which the association discloses finances and reserves. Buyers must sign and verify they have examined the financial condition of the project. Pay attention to past history. How old is the roof? When were improvements last made? How often do association dues increase? Even though many people don’t investigate these issues, a home’s value depends on them. CHAPTER 7 BANK FINANCING Banks have a new image. Now you have ‘a friend,’ your friendly banker. If the banks are so friendly, how come they chain down the pens? — Alan King Bank lending standards and terms change daily. This chapter provides general principles that should prove useful over the long term. We will examine how to borrow from banks to acquire or refinance a home. Please note the term “banks” as used here includes credit unions and other major financial institutions. There’s another chapter on non-bank lending to help those who don’t meet the criteria set by major lending institutions.

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