Unlikely Bond Quotes

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Sisters share a bond unlike any other – thornier, but also tender, full of possibility.
Joy McCullough (Blood Water Paint)
The seeking of a mate shall be undertaken with due preparation and care. A life-bond should never be contemplated as a light thing--unlike a legal union or sanctified joining, the sealing of souls CANNOT be severed. When a mate is SOULBOUND to another--LIFEMATED, as some have come to regard it--a mystery is engaged. In one aspect mystical, the lifemating process is the most sublime endeavor that a Refarian may assume. Once formed, the bond must be ever cherished and nurtured by the process of lifelong rigor.
Deidre Knight (Parallel Attraction (Midnight Warriors, #1))
There is evidence that the honoree [Leonard Cohen] might be privy to the secret of the universe, which, in case you're wondering, is simply this: everything is connected. Everything. Many, if not most, of the links are difficult to determine. The instrument, the apparatus, the focused ray that can uncover and illuminate those connections is language. And just as a sudden infatuation often will light up a person's biochemical atmosphere more pyrotechnically than any deep, abiding attachment, so an unlikely, unexpected burst of linguistic imagination will usually reveal greater truths than the most exacting scholarship. In fact. The poetic image may be the only device remotely capable of dissecting romantic passion, let alone disclosing the inherent mystical qualities of the material world. Cohen is a master of the quasi-surrealistic phrase, of the "illogical" line that speaks so directly to the unconscious that surface ambiguity is transformed into ultimate, if fleeting, comprehension: comprehension of the bewitching nuances of sex and bewildering assaults of culture. Undoubtedly, it is to his lyrical mastery that his prestigious colleagues now pay tribute. Yet, there may be something else. As various, as distinct, as rewarding as each of their expressions are, there can still be heard in their individual interpretations the distant echo of Cohen's own voice, for it is his singing voice as well as his writing pen that has spawned these songs. It is a voice raked by the claws of Cupid, a voice rubbed raw by the philosopher's stone. A voice marinated in kirschwasser, sulfur, deer musk and snow; bandaged with sackcloth from a ruined monastery; warmed by the embers left down near the river after the gypsies have gone. It is a penitent's voice, a rabbinical voice, a crust of unleavened vocal toasts -- spread with smoke and subversive wit. He has a voice like a carpet in an old hotel, like a bad itch on the hunchback of love. It is a voice meant for pronouncing the names of women -- and cataloging their sometimes hazardous charms. Nobody can say the word "naked" as nakedly as Cohen. He makes us see the markings where the pantyhose have been. Finally, the actual persona of their creator may be said to haunt these songs, although details of his private lifestyle can be only surmised. A decade ago, a teacher who called himself Shree Bhagwan Rajneesh came up with the name "Zorba the Buddha" to describe the ideal modern man: A contemplative man who maintains a strict devotional bond with cosmic energies, yet is completely at home in the physical realm. Such a man knows the value of the dharma and the value of the deutschmark, knows how much to tip a waiter in a Paris nightclub and how many times to bow in a Kyoto shrine, a man who can do business when business is necessary, allow his mind to enter a pine cone, or dance in wild abandon if moved by the tune. Refusing to shun beauty, this Zorba the Buddha finds in ripe pleasures not a contradiction but an affirmation of the spiritual self. Doesn't he sound a lot like Leonard Cohen? We have been led to picture Cohen spending his mornings meditating in Armani suits, his afternoons wrestling the muse, his evenings sitting in cafes were he eats, drinks and speaks soulfully but flirtatiously with the pretty larks of the street. Quite possibly this is a distorted portrait. The apocryphal, however, has a special kind of truth. It doesn't really matter. What matters here is that after thirty years, L. Cohen is holding court in the lobby of the whirlwind, and that giants have gathered to pay him homage. To him -- and to us -- they bring the offerings they have hammered from his iron, his lead, his nitrogen, his gold.
Tom Robbins
Unlike the adults, the children didn’t have to pretend. They were full of praise for the umbrella. It was so light, so pretty, so bright a blue! And it was just the right size for Binya. They knew that if they said nice things about the umbrella, Binya would smile and give it to them to hold for a little while—just a very little while! Soon
Ruskin Bond (The Blue Umbrella)
But despite these and many other differences, Evan and Heeb had become close friends – an improbability that could have been produced only by the even greater improbabilities that brought them together.
Zack Love (Sex in the Title: A Comedy about Dating, Sex, and Romance in NYC (Back When Phones Weren't So Smart))
Family is the one human institution we have no choice over. We get in simply by being born, and as a result we are involuntarily thrown together with a menagerie of strange and unlike people. Church calls for another step: to voluntarily choose to band together with a strange menagerie because of a common bond in Jesus Christ. I have found that such a community more resembles a family than any other human institution. Henri Nouwen once defined a community as “a place where the person you least want to live with always lives.” His definition applies equally to the group that gathers each Thanksgiving and the group that congregates each Sunday morning. (p. 64-65, Church: Why Bother?)
Philip Yancey (Church: Why Bother?: My Personal Pilgrimage (Growing Deeper))
Or perhaps your marriage is more of a covalent bond,” she said, sketching a new structural formula. “And if so, lucky you, because that means you both have strengths that, when combined, create something even better. For example, when hydrogen and oxygen combine, what do we get? Water—or H2O as it’s more commonly known. In many respects, the covalent bond is not unlike a party—one that’s made better thanks to the pie you made and the wine he brought. Unless you don’t like parties—I don’t—in which case you could also think of the covalent bond as a small European country, say Switzerland. Alps, she quickly wrote on the easel, + a Strong Economy = Everybody Wants to Live There. In a living room in La Jolla, California, three children fought over a toy dump truck, its broken axle lying directly adjacent to a skyscraper of ironing that threatened to topple a small woman, her hair in curlers, a small pad of paper in her hands. Switzerland, she wrote. Move.
Bonnie Garmus (Lessons in Chemistry)
The difficulty with soul mates was that when you shared a bond unlike anything you’d experienced with another human, they were pretty good at calling bullshit when you tried to hide your heartache.
Vi Keeland (The Invitation)
In particular, the virtues and ambitions called forth by war are unlikely to find expression in liberal democracies. There will be plenty of metaphorical wars—corporate lawyers specializing in hostile takeovers who will think of themselves as sharks or gunslingers, and bond traders who imagine, as in Tom Wolfe’s novel The Bonfire of the Vanities, that they are “masters of the universe.” (They will believe this, however, only in bull markets.) But as they sink into the soft leather of their BMWs, they will know somewhere in the back of their minds that there have been real gunslingers and masters in the world, who would feel contempt for the petty virtues required to become rich or famous in modern America. How long megalothymia will be satisfied with metaphorical wars and symbolic victories is an open question. One suspects that some people will not be satisfied until they prove themselves by that very act that constituted their humanness at the beginning of history: they will want to risk their lives in a violent battle, and thereby prove beyond any shadow of a doubt to themselves and to their fellows that they are free. They will deliberately seek discomfort and sacrifice, because the pain will be the only way they have of proving definitively that they can think well of themselves, that they remain human beings.
Francis Fukuyama (The End of History and the Last Man)
Attachment exerted an invisible but powerful pull on the child, just as heavenly bodies are connected by gravitational forces. But unlike gravity, attachment makes its presence known by a negative inverse square law: the further the attached person is from their secure base, the greater the pull of attachment. The 'elastic band' which constitutes the attachment bond is slack and imperceptible in the presence of a secure base. If the secure base becomes unreliable or the limits of exploration are reached, the bond tugs at the heartstrings.
Jeremy Holmes (John Bowlby and Attachment Theory (Makers of Modern Psychotherapy))
Grandfather died a few days after his hundredth birthday. Both Father and I were there at the end, in the room where I'd been born, forty-four years ago. It was not unlike that day, with sunlight streaming through the windows, and hummingbirds hovering outside, iridescent sun-glittering flashes of jewels. A dove was calling, back in the cool shade. Grandfather's hand was cool, as cool as the river. He tried to sit up to look out at the sunlight. "Sycamores grow by running water," he sang, "cottonwoods by still water," and then he died, and I felt a century slip away.
Rick Bass (The Sky, The Stars, The Wilderness)
Unlike acts of war or catastrophic storms, pandemic-causing pathogens don’t build trust and facilitate cooperative defenses. On the contrary, due to the peculiar psychic experience of new pathogens, they’re more likely to breed suspicion and mistrust among us, destroying social bonds as surely as they destroy bodies.
Sonia Shah (Pandemic: Tracking Contagions, from Cholera to Coronaviruses and Beyond)
Somehow I end up making a bud in all my trips. I make an instant connection and it always turns out to be mutual unlike with humans. We don't need a language to speak. I can read his eyes and he can read my expressions and we speak for hours. We have this special mutual understanding, I always miss with humans. ~ #whisperingtrail
Ashish Bhardwaj
The Suriel's stained teeth clacked against each other. 'If you wish to speed your mate's healing, in addition to your blood, a pink-flowered weed sprouts by the river. Make him chew it.' I fired my arrow at the snare before I finished hearing its words. The trap sprang free. And the word clicked through me. Mate. 'What did you say?' The Suriel rose to its full height, towering over me even from across the clearing. I had not realised that despite the bone, it was muscled- powerful. 'If you wish to...' The Suriel paused, and grinned, showing nearly all of those brown, thick teeth. 'You did not know, then.' 'Say it,' I gritted out. 'The High Lord of the Night Court is your mate.' I wasn't entirely breathing. 'Interesting,' the Suriel said. Mate. Mate. Mate. Rhysand was my mate. Not lover, not husband, but more than that. A bond so deep, so permanent that it was honoured above all others. Rare, cherished. Not Tamlin's mate. Rhysand's. I was jealous, and pissed off... You're mine. The words slipped out of me, low and twisted, 'Does he know?' The Suriel clenched the robes of its new cloak in its bone-fingers. 'Yes.' 'For a long while?' 'Yes. Since-' 'No. He can tell me- I want to hear it from his lips.' The Suriel cocked its head. 'You are- you are feeling too much, too fast. I cannot read it.' 'How can I possibly be his mate?' Mates were equals- matched, at least in some ways. 'He is the most powerful High Lord to ever walk this earth. You are... new. You are made of all seven High Lords. Unlike anything. Are you two not similar in that? Are you not matched?' Mate. And he knew- he'd known. I glanced toward the river, as if I could see all the way to the cave, to where Rhysand slept. When I looked back at the Suriel, it was gone.
Sarah J. Maas (A Court of Mist and Fury (A Court of Thorns and Roses, #2))
Importantly, Haemophilus are what are called fastidious bacteria, meaning they need an iron source to grow, and unlike most other bacteria, they usually get it from the hemoglobin in our blood to which iron is bonded (giving blood its red color). Protecting the blood cells through the use of something like sida is crucial in treating this kind of infection.
Stephen Harrod Buhner (Herbal Antibiotics: Natural Alternatives for Treating Drug-Resistant Bacteria)
What did the heroines in dramas and books do in such circumstances? Frequently, it seemed, they would use their feminine wiles upon their male captors, promising them amorous attention and then turning the tables upon the foe when the moment was right (But before, of course, sacrificing anything like their virtue for the cause). Bridget hadn't been an agent of the Spirearch for very long, but she felt that she had the concept sufficiently surrounded to see that such a ploy was unlikely to work. Even if Ciriaco had been amenable to such a thing, he had no real reason to release her from her bonds, now, did he? And, in point of fact, what captor with any professionalism at all would be taken in by such a ploy in the first place? Besides, Bridget was not at all sure that she had any feminine wiles. And even if she did, she felt certain that they would not function as flawlessly in life as they did in tales and dramas.
Jim Butcher (The Aeronaut's Windlass (The Cinder Spires, #1))
Unlike Muir and Thoreau, McCandless went into the wilderness not primarily to ponder nature or the world at large but, rather, to explore the inner country of his own soul. He soon discovered, however, what Muir and Thoreau already knew: An extended stay in the wilderness inevitably directs one's attention outward as much as inward, and it is impossible to live off the land without developing both a subtle understanding of, and a strong emotional bond with, that land and all it holds.
Jon Krakauer (Into the Wild)
Ball busting [a friendly form of humor]...contains a fundamental flaw, one that has done immeasurable harm to the male psyche, and basically eliminated dance and music as potential outlets for bonding. That is the use of the term 'gaaay.' It's a form of self-policing, some fucked-up safe word that got called out if any behavior approached a level where it felt intimate or affectionate. Really anything that felt 'feminine,' and that list was long. It was not used to describe romantic attraction to another many--though it certainly insulted that entire idea in an inexcusable way--but instead was used to reinforce what Niobe Way, a psychology professor at NYU, calls the 'crisis of connection' among men. We so fear being called -gaaay- for making connections that are 'feminine' that we sacrifice intimacy for casual banter. It's a huge disconnect, perhaps the central one at the heart of the problems of with modern male bonding. And unlike many 'male' things, it cannot be blamed on genetics. It's cultural. It's learned.
Billy Baker (We Need to Hang Out: A Memoir of Making Friends)
think we should break the swing in slowly, don’t you? After all, it’s so new to being used for romantic purposes.” “More like breaking me in slowly. I’m not used to being kissed like that.” “That makes two of us. I guess now would be a good time to tell you that I’m kind of old-fashioned. I believe physical intimacy is more than sharing one’s body with someone; it’s a connection with another person’s heart and soul. When the two people involved love each other to the exclusion of everyone else, the experience can be unique, unlike anything else. It can transcend the visceral and create a bond that nothing on earth can break. To me, it’s something worth waiting for.
Delaney Cameron (Team Mom (Finding Love, #1))
In the outworks of our lives, we were almost strangers, but we shared a certain outlook on human life and human destiny, which, from the very first, made a bond of extreme strength . . . . At our very first meeting, we talked with continually increasing intimacy. We seemed to sink through layer after layer of what was superficial, till gradually both reached the central fire. It was an experience unlike any other that I have known. We looked into each other's eyes, half appalled and half intoxicated to find ourselves together in such a region. The emotion was as intense as passionate love, and at the same time all-embracing. I came away bewildered, and hardly able to find my way among ordinary affairs.
Bertrand Russell (Portraits From Memory and Other Essays)
Instead, the battle is joined at the level of pure abstraction. The issue, the newest Right tells us, is freedom itself, not the doings of the subprime lenders or the ways the bond-rating agencies were compromised over the course of the last decade. Details like that may have crashed the economy, but to the renascent Right they are almost completely irrelevant. What matters is a given politician’s disposition toward free markets and, by extension, toward the common people of the land, whose faithful vicar the market is. Now, there is nothing really novel about the idea that free markets are the very essence of freedom. What is new is the glorification of this idea at the precise moment when free-market theory has proven itself to be a philosophy of ruination and fraud. The revival of the Right is as extraordinary as it would be if the public had demanded dozens of new nuclear power plants in the days after the Three Mile Island disaster; if we had reacted to Watergate by making Richard Nixon a national hero.
Thomas Frank (Pity the Billionaire: The Hard-Times Swindle and the Unlikely Comeback of the Right)
Two weeks ago, Aaron and Isaac, I learned your mother Laura has breast cancer. My heart feels impaled. These words, so useless and feeble. Laura is only thirty-five years old. Her next birthday will be in only three days. I write this letter to you, my sons, with the hope that one day in the future you will read it and understand what happened to our family. Together, your mother and I have created and nurtured an unbreakable bond that has transformed us into an unlikely team. A Chicano from El Paso, Texas. A Jew from Concord, Massachusetts. I want you to know your mother. She has given me hope when I have felt none; she has offered me kindness when I have been consumed by bitterness. I believe I have taught her how to be tough and savvy and how to achieve what you want around obstacles and naysayers. Our hope is that the therapies we are discussing with her doctors will defeat her cancer. But a great and ominous void has suddenly engulfed us at the beginning of our life as a family. This void suffocates me.
Sergio Troncoso (Crossing Borders: Personal Essays)
Statistically, the probability of any one of us being here is so small that you'd think the mere fact of existing would keep us all in a contented dazzlement of surprise. We are alive against the stupendous odds of genetics, infinitely outnumbered by all the alternates who might, except for luck, be in our places. Even more astounding is our statistical improbability in physical terms. The normal, predictable state of matter throughout the universe is randomness, a relaxed sort of equilibrium, with atoms and their particles scattered around in an amorphous muddle. We, in brilliant contrast, are completely organized structures, squirming with information at every covalent bond. We make our living by catching electrons at the moment of their excitement by solar photons, swiping the energy released at the instant of each jump and storing it up in intricate loops fro ourselves. We violate probability, by our nature. To be able to do this systematically, and in such wild varieties of form, from viruses to whales, is extremely unlikely; to have sustained the effort successfully for the several billion years of our existence, without drifting back into randomness, was nearly a mathematical impossibility. Add to this the biological improbability that makes each member of our own species unique. Everyone is one in 3 billion at the moment, which describes the odds. Each of us is a self-contained, free-standing individual, labeled by specific protein configurations at the surfaces of cells, identifiable by whorls of fingertip skin, maybe even by special medleys of fragrance. You'd think we'd never stop dancing.
Lewis Thomas (The Lives of a Cell: Notes of a Biology Watcher)
I have chosen to use the terms lesbian existence and lesbian continuum because the word lesbianism has a clinical and limiting ring Lesbian existence suggests both the fact of the historical presence of lesbians and our continuing creation of the meaning of that existence I mean the term lesbian continuum to include a range—through each woman’s life and throughout history—of woman-identified experience; not simply the fact that a woman has had or consciously desired genital sexual experience with another woman. If we expand it to embrace many more forms of primary intensity between and among women, including the sharing of a rich inner life, the bonding against male tyranny, the giving and receiving of practical and political support; if we can also hear in it such associations as marriage resistance and the ‘haggard’ behavior identified by Mary Daly (obsolete meanings ‘intractable,’ ‘willful,’ ‘wanton,’ and ‘unchaste’ a woman reluctant to yield to wooing’)—we begin to grasp breadths of female history and psychology that have lain out of reach as a consequence of limited, mostly clinical, definitions of ‘lesbianism.’ Lesbian existence comprises both the breaking of a taboo and the rejection of a compulsory way of life It is also a direct or indirect attack on male right of access to women But it is more than these, although we may first begin to perceive it as a form of nay-saying to patriarchy, an act or resistance It has of course included role playing, self-hatred, breakdown, alcoholism, suicide, and intrawoman violence; we romanticize at our peril what it means to love and act against the grain, and under heavy penalties; and lesbian existence has been lived (unlike, say, Jewish or Catholic existence) without access to any knowledge of a tradition, a continuity, a social underpinning The destruction of records and memorabilia and letters documenting the realities of lesbian existence must be taken very seriously as a means of keeping heterosexuality compulsory for women, since what has been kept from our knowledge is joy, sensuality, courage, and community, as well as guilt, self-betrayal, and pain.
Adrienne Rich (Compulsory Heterosexuality and Lesbian Existence)
Ionic is the ‘opposites attract’ chemical bond,” Elizabeth explained as she emerged from behind the counter and began to sketch on an easel. “For instance, let’s say you wrote your PhD thesis on free market economics, but your husband rotates tires for a living. You love each other, but he’s probably not interested in hearing about the invisible hand. And who can blame him, because you know the invisible hand is libertarian garbage.” She looked out at the audience as various people scribbled notes, several of which read “Invisible hand: libertarian garbage.” “The point is, you and your husband are completely different and yet you still have a strong connection. That’s fine. It’s also ionic.” She paused, lifting the sheet of paper over the top of the easel to reveal a fresh page of newsprint. “Or perhaps your marriage is more of a covalent bond,” she said, sketching a new structural formula. “And if so, lucky you, because that means you both have strengths that, when combined, create something even better. For example, when hydrogen and oxygen combine, what do we get? Water—or H2O as it’s more commonly known. In many respects, the covalent bond is not unlike a party—one that’s made better thanks to the pie you made and the wine he brought. Unless you don’t like parties—I don’t—in which case you could also think of the covalent bond as a small European country, say Switzerland. Alps, she quickly wrote on the easel, + a Strong Economy = Everybody Wants to Live There. In a living room in La Jolla, California, three children fought over a toy dump truck, its broken axle lying directly adjacent to a skyscraper of ironing that threatened to topple a small woman, her hair in curlers, a small pad of paper in her hands. Switzerland, she wrote. Move. “That brings us to the third bond,” Elizabeth said, pointing at another set of molecules, “the hydrogen bond—the most fragile, delicate bond of all. I call this the ‘love at first sight’ bond because both parties are drawn to each other based solely on visual information: you like his smile, he likes your hair. But then you talk and discover he’s a closet Nazi and thinks women complain too much. Poof. Just like that the delicate bond is broken. That’s the hydrogen bond for you, ladies—a chemical reminder that if things seem too good to be true, they probably are.” She walked
Bonnie Garmus (Lessons in Chemistry)
Islam tells us that on the unappealable Day of Judgment, all who have perpetrated images of living things will reawaken with their works, and will be ordered to blow life into them, and they will fail, and they and their works will be cast into the fires of punishment. As a child, I knew that horror of the spectral duplication or multiplication of reality, but mine would come as I stood before large mirrors. As soon as it began to grow dark outside, the constant, infallible functioning of mirrors, the way they followed my every movement, their cosmic pantomime, would seem eerie to me. One of my insistent pleas to God and my guardian angel was that I not dream of mirrors; I recall clearly that I would keep one eye on them uneasily. I feared sometimes that they would begin to veer off from reality; other times, that I would see my face in them disfigured by strange misfortunes. I have learned that this horror is monstrously abroad in the world again. The story is quite simple, and terribly unpleasant. In 1927, I met a grave young woman, first by telephone (because Julia began as a voice without a name or face) and then on a corner at nightfall. Her eyes were alarmingly large, her hair jet black and straight, her figure severe. She was the granddaughter and greatgranddaughter of Federalists, as I was the grandson and great-grandson of Unitarians,* but that ancient discord between our lineages was, for us, a bond, a fuller possession of our homeland. She lived with her family in a big run-down high-ceiling'd house, in the resentment and savorlessness of genteel poverty. In the afternoons— only very rarely at night—we would go out walking through her neighbor-hood, which was Balvanera.* We would stroll along beside the high blank wall of the railway yard; once we walked down Sarmien to all the way to the cleared grounds of the Parque Centenario.*Between us there was neither love itself nor the fiction of love; I sensed in her an intensity that was utterly unlike the intensity of eroticism, and I feared it. In order to forge an intimacy with women, one often tells them about true or apocryphal things that happened in one's youth; I must have told her at some point about my horror of mirrors, and so in 1928 I must have planted the hallucination that was to flower in 1931. Now I have just learned that she has gone insane, and that in her room all the mirrors are covered, because she sees my reflection in them— usurping her own—and she trembles and cannot speak, and says that I am magically following her, watching her, stalking her. What dreadful bondage, the bondage of my face—or one of my former faces. Its odious fate makes me odious as well, but I don't care anymore.
Jorge Luis Borges
Thomas (his middle name) is a fifth-grader at the highly competitive P.S. 334, the Anderson School on West 84th in New York City. Slim as they get, Thomas recently had his long sandy-blond hair cut short to look like the new James Bond (he took a photo of Daniel Craig to the barber). Unlike Bond, he prefers a uniform of cargo pants and a T-shirt emblazoned with a photo of one of his heroes: Frank Zappa. Thomas hangs out with five friends from the Anderson School. They are “the smart kids.” Thomas is one of them, and he likes belonging. Since Thomas could walk, he has constantly heard that he’s smart. Not just from his parents but from any adult who has come in contact with this precocious child. When he applied to Anderson for kindergarten, his intelligence was statistically confirmed. The school is reserved for the top 1 percent of all applicants, and an IQ test is required. Thomas didn’t just score in the top 1 percent. He scored in the top 1 percent of the top 1 percent. But as Thomas has progressed through school, this self-awareness that he’s smart hasn’t always translated into fearless confidence when attacking his schoolwork. In fact, Thomas’s father noticed just the opposite. “Thomas didn’t want to try things he wouldn’t be successful at,” his father says. “Some things came very quickly to him, but when they didn’t, he gave up almost immediately, concluding, ‘I’m not good at this.’ ” With no more than a glance, Thomas was dividing the world into two—things he was naturally good at and things he wasn’t. For instance, in the early grades, Thomas wasn’t very good at spelling, so he simply demurred from spelling out loud. When Thomas took his first look at fractions, he balked. The biggest hurdle came in third grade. He was supposed to learn cursive penmanship, but he wouldn’t even try for weeks. By then, his teacher was demanding homework be completed in cursive. Rather than play catch-up on his penmanship, Thomas refused outright. Thomas’s father tried to reason with him. “Look, just because you’re smart doesn’t mean you don’t have to put out some effort.” (Eventually, Thomas mastered cursive, but not without a lot of cajoling from his father.) Why does this child, who is measurably at the very top of the charts, lack confidence about his ability to tackle routine school challenges? Thomas is not alone. For a few decades, it’s been noted that a large percentage of all gifted students (those who score in the top 10 percent on aptitude tests) severely underestimate their own abilities. Those afflicted with this lack of perceived competence adopt lower standards for success and expect less of themselves. They underrate the importance of effort, and they overrate how much help they need from a parent.
Po Bronson (NurtureShock: New Thinking About Children)
In Andhra, farmers fear Naidu’s land pool will sink their fortunes Prasad Nichenametla,Hindustan Times | 480 words The state festival tag added colour to Sankranti in Andhra Pradesh this time. But the hue of happiness was missing in 29 villages along river Krishna in Guntur district. The villagers knew it was their last Sankranti, a harvest festival celebrated to seek agricultural prosperity. For in two months, more than 30,000 acres of fertile farmland would be acquired for a brand new capital planned in collaboration with Singapore. The Nara Chandrababu Naidu government went about the capital project by setting aside the Centre’s land acquisition act and drawing up a compensation package for land-owning and tenant farmers and labourers. Many are opposed to it, and are not keen on snapping their centuries-old bond with their land and livelihood. In Penumaka village, Nageshwara Rao, 50, fears the future as he does not possess a tenancy certificate that could have brought some relief under the compensation package. “The entire village is against land-pooling but we hear the government is adamant,” Rao says, referring to municipal minister P Narayana’s alleged assertion that land would be taken with or without the farmers’ consent. Narayana is supervising the land-pooling process. “Naidu says he would give us Rs 50,000 per year in lieu of annual crops. We earn that much in a month here,” villager Meka Koti Reddy says. To drive home the point, locals in Undavalli village nearby have put up a board asking officials to keep off their lands that produce three crops a year. Unlike other parts of Andhra Pradesh, the water-rich land here is highly productive yielding 200 varieties of crops. Some farmers are also suspicious about the compensation because Naidu is yet to deliver on the loan-waiver promise. They are now weighing legal options besides seeking Prime Minister Narendra Modi’s intervention to retain their land. While the villagers opposing land-pooling are allegedly being backed by Jaganmohan Reddy’s YSR Congress Party, those belonging to the Kamma community — the support base for Naidu’s Telugu Desam Party — are said to be cooperative.  It is also believed that Naidu chose this location over others suggested by experts to primarily benefit the Kamma industrialists who own large swathes of land in Krishna and Guntur districts. But even the pro-project villagers cannot help feel insecure. “We are clueless about where our developed area would be. What if the project is not executed within Naidu’s tenure? Is there a legal recourse?” Idupulapati Rambabu of Mandadam says. This is despite Naidu’s assurance on January 1 at nearby Thulluru, where he launched the land-pooling process, asking farmers to give land without any apprehension. He said the deal in its present form would make them richer than him in a decade. “We are not building a mere city but a hub of economic activity loaded with superior infrastructure that is aimed at generating wealth. This would be a win-win situation for all,” Naidu tells HT. As of now, villages like Nelapadu struggling with low soil fertility seem to be winning from the package.
Anonymous
Next comes the Curse, as it is called, which God pronounced upon man. The prominent point in that curse turns chiefly on the contrast between man and nature. Man must work in the sweat of his brow: and woman bring forth in sorrow. As to work, if it is the result of the disunion, it is also the victory over it. The beasts have nothing more to do but to pick up the materials required to satisfy their wants: man on the contrary can only satisfy his wants by himself producing and transforming the necessary means. Thus even in these outside things man is dealing with himself. The story does not close with the expulsion from Paradise. We are further told, God said, ‘Behold Adam is become as one of us, to know good and evil.’ Knowledge is now spoken of as divine, and not, as before, as something wrong and forbidden. Such words contain a confutation of the idle talk that philosophy pertains only to the finitude of the mind. Philosophy is knowledge, and it is through knowledge that man first realises his original vocation, to be the image of God. When the record adds that God drove men out of the garden of Eden to prevent their eating of the tree of life, it only means that on his natural side certainly man is finite and mortal, but in knowledge infinite. We all know the theological dogma that man’s nature is evil, tainted with what is called Original Sin. Now while we accept the dogma, we must give up the setting of incident which represents original sin as consequent upon an accidental act of the first man. For the very notion of spirit is enough to show that man is evil by nature, and it is an error to imagine that he could ever be otherwise. To such extent as man is and acts like a creature of nature, his whole behaviour is what it ought not to be. For the spirit it is a duty to be free, and to realise itself by its own act. Nature is for man only the starting-point which he has to transform. The theological doctrine of original sin is a profound truth; but modem enlightenment prefers to believe that man is naturally good, and that he acts right so long as he continues true to nature. The hour when man leaves the path of mere natural being marks the difference between him, a self-conscious agent, and the natural world. But this schism, though it forms a necessary element in the very notion of spirit, is not the final goal of man. It is to this state of inward breach that the whole finite action of thought and will belongs. In that finite sphere man pursues ends of his own and draws from himself the material of his conduct. While he pursues these aims to the uttermost, while his knowledge and his will seek himself, his own narrow self apart from the universal, he is evil; and his evil is to be subjective. We seem at first to have a double evil here: but both are really the same. Man in so far as he is spirit is not the creature of nature: and when he behaves as such, and follows the cravings of appetite, he wills to be so. The natural wickedness of man is therefore unlike the natural life of animals. A mere natural life may be more exactly defined by saying that the natural man as such is an individual: for nature in every part is in the bonds of individualism. Thus when man wills to be a creature of nature, he wills in the same degree to be an individual simply. Yet against such impulsive and appetitive action, due to the individualism of nature, there also steps in the law or general principle. This law may either be an external force, or have the form of divine authority. So long as he continues in his natural state, man is in bondage to the law. It is true that among the instincts and affections of man, there are social or benevolent inclinations, love, sympathy, and others, reaching beyond his selfish isolation. But so long as these tendencies are instinctive, their virtual universality of scope and purport is vitiated by the subjective form which always allows free play to self-seeking and random action.
Georg Wilhelm Friedrich Hegel
CASE STUDY In 2012, investigators were trying to understand why supermarkets in the United States were being robbed every month of Tide detergent – and only Tide detergent. As with every investigation, they ‘followed the money’ only to find that Tide was the money. Bottles of Tide had become an ad hoc street currency, with 150-ounce bottles being exchanged for $5 or $10 worth of drugs, earning it the nickname ‘Liquid Gold’. As New York magazine pointed out: ‘this unlikely black market would not have formed if they weren’t so good at pushing their product’.37 It turns out that despite being considered a ‘low interest category’, people have very strong feelings about their detergents. Tide came in the top three brands that consumers were least likely to give up during tough times. This bond has allowed the producer, Procter & Gamble, to charge 50 per cent more than the average detergent and yet it still outsells its nearest competitor, which is also produced by P&G, by more than two to one. So, what is it about Tide that means more people will pay 50 per cent more for a functionally parity product from the same manufacturer? The investigating sergeant puts it well: ‘I’m a No. 1 Tide fan’, he says. ‘I don’t know if it’s all psychological, but you can tell the difference.’38
Faris Yakob (Paid Attention: Innovative Advertising for a Digital World)
Language is what we use to tell stories, transmit knowledge, and build social bonds. It comforts, tickles, excites, and destroys. Every society has language, and somehow we all learn a language in the first few years of our lives, a process that has been repeated for as long as humans have been around. Unlike swimming, using Microsoft Windows, or making the perfect lemon souffle — which some of us never manage to do — learning a language is a task we can all take for granted.
Charles Yang (The Infinite Gift: How Children Learn and Unlearn the Languages of the World)
Romance lurks in the most unlikely places.
Ruskin Bond
Hughes often said that men fail to make progress in learning not for lack of time or ability but for lack of hard work. Unlike so many university students today, who stay up late partying, eating pizza, and playing video games, Watts and his friends did not fritter away the hours. They did, however, stay up late. Far into the night, Watts went on reading and annotating what he read.
Douglas Bond (The Poetic Wonder of Isaac Watts (A Long Line of Godly Men Series Book 6))
As herders and dominators of animals, we must continually practice seeing ourselves as separate and different from them, as superior and special. Our natural human compassion can be repressed by learning to exclude others and to see them as essentially unlike us. This exclusivism is necessary to racism, elitism, and war, because in order to harm and dominate other people we must break the bonds that our hearts naturally feel with them. The mentality of domination is necessarily a mentality of exclusion.
Will Tuttle (The World Peace Diet)
Pro tip: It’s not necessary to know the people around you when you’re involved in a race. Runners eventually bond, because we’re all testing ourselves in the same physical space. Plus everyone’s gross and sweaty by the end, so that levels the playing field.
Dana L. Ayers (Confessions of an Unlikely Runner: A Guide to Racing and Obstacle Courses for the Averagely Fit and Halfway Dedicated)
While some select sobering situations may be unlaughable, there are few circumstances that humor, subtle or candid, can't improve. Afterall, remembering not to take ourselves or others too seriously can put a lot of things into perspective. Laughter is healing. Laughter creates bonds and forges enduring friendships. A healthy sense of humor can quell almost any overwhelming anxiety, and can quench the fires of fury and fear unlike anything else when appropriate. Even more so when not. Connie Kerbs
Connie Kerbs (Paths of Fear: An Anthology of Overcoming Through Courage, Inspiration, and the Miracle of Love (Pebbled Lane Books Book 1))
Unlike Britain, France, Italy and Russia, however, Germany did not have access to the international bond market during the war (having initially spurned the New York market and then been shut out of it).
Niall Ferguson (The Ascent of Money: A Financial History of the World: 10th Anniversary Edition)
Even if I wanted to appeal to some objective ground for womanhood, I was being trained to think in a strictly secular, postmodern mode—a mode that favors the particular over the universal, that denies the existence of any objective ground from which to approach this question. In this understanding, all of our conceptual categories, our entire sense of reality, is fundamentally created through language—our words make the world, rather than express it. Any meaning we ascribe to bodily realities is arbitrary and ultimately fictitious. There is no room in this worldview for a sacramental understanding of maleness and femaleness. The cosmos has been flattened; there are no natural signs of divine realities, because there are no divine realities. There is no givenness to our bodily nature at all, no grand order to which we belong and through which we come to understand ourselves. Sexual difference itself is reduced to mere biology, something we can manipulate at will, rather than something that is intrinsic to our being, that concerns the whole person, not merely chromosomes or body parts. I turned to feminism to discover the significance of my womanness, and I was initiated into an ideology where womanness itself is ultimately renounced. What I was unknowingly seeking, and unable to find in either secular or evangelical feminism, was the understanding of woman as a sign. It is not merely the priest who serves as an icon during the Mass; every man and every woman is a living icon, carrying in his or her body a divine sign that reveals the sacred bond between God and humankind.
Abigail Rine Favale (Into the Deep: An Unlikely Catholic Conversion)
Lilian?” Kevin needed a moment to register that, indeed, Lilian was standing before him. “What are you doing here? I thought you were taking a bath with the others.” “I was going to,” Lilian admitted, “but then I realized that my mate and I haven’t been able to spend much time alone together because my family kept getting in the way, and I thought this would be the perfect opportunity for us to bond.” “Bond?” He studied the girl, and eventually realized that she wasn’t looking at his face. Feeling a sense of unease growing in the pit of his stomach, Kevin looked down. His face grew red. He let out a loud “eep!” and tried to cover himself with his hands. “Ufufufu,” Lilian chuckled. “You’re still too cute when you get embarrassed like that.” Kevin tried to glare at her, but the blush on his face lessened the effect. “It’s got nothing to do with being embarrassed and everything to do with common decency,” he insisted, lying through his teeth. “Most people don’t stand around in the nude while someone else is present, not even if they’re dating that person.” “Most people aren’t mated to a kitsune.” “Ugh…” She had him there. “Kevin” Lilian’s eyes were warm and so incredibly earnest that Kevin was unable to look away, “you are my mate; the person I love more than anyone else in this world.” Delicate hands reached up and cupped his face. “This isn’t some random person wanting to see you naked. This is me, your mate, who wants to become more intimate with you. If it helps, I promise not to touch anything below the belt.” Staring at the girl with an uncomprehending gaze, Kevin’s mind became a warzone, a battle the likes of which no one had ever seen before—mostly because it was all happening in his mind. *** The desolate wasteland spread out for miles, its borders traveling far beyond the distant horizon. Cracks traversed the ground like a myriad system of interconnecting spiderwebs. There was no flora or fauna in this wasteland. It was the perfect place… for war. Two forces stood on opposite ends of each other, armies of nearly equal might. Multi-segmented plates clicked together as figures moved and jostled each other. Horned helms adorned the many heads, their faceplates masking their identities. Hands gripped massive halberds with leaf-shaped blades that gleamed like a thousand suns. The army on the northern border wore white armor, while those in the southern quadrant wore red. A moment of silence swept through the clearing. A tumbleweed rolled across the ground. It was the unspoken signal for the battle to start, and the two forces rushed in toward the center, yelling out their battle cries. “For Lilian!!” “For chastity!!” Thunder struck the earth as these two titanic armies fought. Bodies were thrown into the air with impunity. Halberds clashed, the sound of metal on metal, steel ringing against steel, rang out in a symphony of chaos. Sparks flew and shouts accompanied the maelstrom of combat. It was, indeed, a battle worthy of being placed within the annals of history. A third party soon entered the fray. From one of the many cliffs surrounding the battlefield, an army appeared. Unlike the two forces duking it out down below, this army was bereft of nearly all their clothes. Wearing nothing but simple loincloths and bandoleers similar to Tarzan’s, the group of individuals looked identical. Messy blond hair framed bright blue eyes that glared down at the battlefield. With nary a thought, this force surged down the cliff, their own battle cry echoing across the land. “DEATH TO THE CHERRY!!” And so more chaos was unleashed upon the battlefield. ***
Brandon Varnell (A Fox's Family (American Kitsune #4))
There is a bond between you and Rune unlike any other.
Halo Scot (Eye of the Brave (Rift Cycle, #3))
research analysts were increasingly paid to be bullish rather than accurate. In one celebrated incident, an analyst who had the chutzpah to recommend that Trump’s Taj Mahal bonds be sold because they were unlikely to pay their interest was summarily fired by his firm after threats of legal retaliation from “The Donald” himself. (Later, the bonds did default.)
Burton G. Malkiel (A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing)
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Not realizing that in an instant my privileged self brutally equated her entire identity to that of a street dog ~ (Pagli, Memoirs-The Imperfections of My Life)
Kanika Sharma
Stay Loyal to People, Not Organizations Mitt Romney was wrong—corporations aren’t people. As British Lord Chancellor Edward Thurow observed more than two centuries ago, business enterprises “have neither bodies to be punished, nor souls to be condemned.” As such, they do not deserve your affection or your loyalty, nor can they repay it in kind. Churches, countries, and even the occasional private firm have been touting loyalty to abstract organizations for centuries, usually as a ploy to convince young people to do brave and foolish things like go to war so old people can keep their land and treasure. It. Is. Bullshit. The most impressive students in my class are the young men and women who have served their country. We benefit (hugely) from their loyalty to our country, but I don’t think we (the United States) pay them their due. I believe it’s a bad trade for them. Be loyal to people. People transcend corporations, and people, unlike corporations, value loyalty. Good leaders know they are only as good as the team standing behind them—and once they have forged a bond of trust with someone, will do whatever it takes to keep that person happy and on their team. If your boss isn’t fighting for you, you either have a bad boss or you are a bad employee.
Scott Galloway (The Four: The Hidden DNA of Amazon, Apple, Facebook, and Google)
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The joke is that women, unlike their counterparts, have to be "all things to all people" if they would succeed. Evidently, they have to be just like men and women, in their womanly way of being.
Kathryn Bond Stockton (Gender(s) (The MIT Press Essential Knowledge series))
In the imaginary, the subject seems isolated and independent of the symbolic order—self-sufficient. It is for this reason that imaginary experience represents a danger to the social order even though it is integral to it and remains firmly within it: subjects lodged in the imaginary believe themselves to be independent and fail to see their symbolic bond with other subjects. Thus, they see other subjects purely as rivals, rather than as partners in sacrifice. The lack of distance in the imaginary further exacerbates this sense of rivalry. Images, unlike symbolic structures, seem directly present to us.
Todd McGowan (The End of Dissatisfaction: Jacques Lacan and the Emerging Society of Enjoyment (Psychoanalysis and Culture))
A young male shingleback (skink), in spring, travels quite widely through the semi-desert, seeking a partner. He identifies a female by her chemical scent, her pheromones. He may then start to follow her, trailing behind her with his head close to her tail. The pair may stay together for six to eight weeks. If she is not physiologically ready to receive him, she will keep her body close to the ground. But eventually her mood may change and she will straighten her hind legs so that the rear of her body is lifted above the ground. He then crawls beneath her and twists his body so that their cloacas meet and he is able to insert his sperm. The two then separate and go their own ways. Unlike many lizards, the female retains her fertilised eggs within her until the young are so well developed that they are capable of independent life. This takes a long time. They grow so large that there is only room within her body for a very small number of them — usually no more than three. Then at last, after five months, she gives birth. The young waddle off into the desert and the female resumes her lonely life. But when spring returns, an adult will once again seek out the partner it had during the previous season. Such partnerships may last for as long as two decades. If one individual is killed, perhaps, as happens only too often, crushed beneath the wheels of a car, the survivor may stay beside the body gently licking it. A coldly dispassionate explanation of this is, of course, that the bereaved has formed a liking for its partner’s pheromone and is reluctant to leave its source. Other interpretations, more sentmental and anthropomorphic, might suggest that the survivor is disconsolate — if not grieving.
David Attenborough (Life in Cold Blood)
We humans are in such a strange position -we are still animals whose behavior reflects that of our ancestors, yet we are unique- unlike any other animal on earth. Our distinctiveness separates us and makes it easy to forget where we came from. Perhaps dogs help us remember the depth of our roots, reminding us -the animals at the other end of the leash- that we may be special, but we are not alone. No wonder we call them our best friends.
Patricia B. McConnell (The Other End of the Leash: Why We Do What We Do Around Dogs)
If temperate zones in northerly latitudes, such as Central Europe, had been covered with native beech forests, then the extreme summers of the past few years certainly would not have been so intense, and it’s unlikely that we would have watched thermometers top 86 °F (30°C).
Peter Wohlleben (The Heartbeat of Trees: Embracing Our Ancient Bond with Forests and Nature)
The elected Virginia convention of 1776 saw itself as engaged in the epochal act of founding a new polity based on the consent of the governed... The utopian impulse grew from the same political theory that the Virginians and other Americans relied on to justify dissolving their bonds of obligation to the [British] throne. Human beings, according to this view, were naturally free and equal. They possessed..."unalienable rights" that government existed to protect... Unlike any governments imagined before, the governments of the new states would rely for their justification on their capacity to protect individual rights--not their brute power to control territory and issue commands that would be obeyed.
Noah Feldman (The Three Lives of James Madison: Genius, Partisan, President)
There is a bond between you three unlike any other. Ties of the solstice. Links of fate.
Halo Scot (Elegy of the Void (Rift Cycle, #4))
She was funny and quick-witted, and she cared for me in a way I wasn't used to, a way I couldn't really process. She laughed at my jokes even when they weren't funny. She listened to me and didn't try to fix things. [...] Unconditional acceptance. She wasn't afraid to look at the darkness and keep smiling. Unlike everyone else, who either looked and then looked away, ashamed, or gawked. But more important, she was different. She was like no one I'd ever met before. And, to my shame, I allowed that to consume me. I was so used to being an outcast that I thought only of what made her different, too, thinking that this bonded us, that I couldn't possibly have anything to offer other than commiseration. And I fell in love with her. Far too hard and far too soon. And I just assumed that the feelings were reciprocated. Not really because of anything she did—though I convinced myself certain things mattered more than they did—but mostly because that's what I needed in the moment. I treated her like a remedy, not a person.
Barry Lyga (Bang)
The three main players in the MBS market are: • Government National Mortgage Association, or GNMA (pronounced “Ginnie Mae”), is backed by a federal agency and guarantees mortgage payments on loans issued through federal loan programs (like the VA and the FHA). Unlike other MBS, bonds guaranteed by GNMA are backed by the full faith and credit of the US government, just like Treasury bonds. • Federal National Mortgage Association, or FNMA (“Fannie Mae”), is a private corporation that buys mortgages from large commercial banks, repackages them into bonds, and sells those bonds to investors. FNMA is not backed by the federal government (even though the government created it), so these bonds carry higher credit risk (the risk that you won’t get your money back). • Federal Home Loan Mortgage Corporation, or FHLMC (commonly called “Freddie Mac”), works almost the same way as FNMA. It buys up mortgages from smaller lenders, like savings and loan banks or credit unions, then packages them to create MBS. Freddie Mac bonds are not backed by the US government.
Michele Cagan (Real Estate Investing 101: From Finding Properties and Securing Mortgage Terms to REITs and Flipping Houses, an Essential Primer on How to Make Money with Real Estate (Adams 101))
Getting out his electro-whip, Alex leapt several meters backwards, and then struck out with his whip, which wrapped around Azazel’s left arm. Then he pressed a button on the handle. The whip coiled around the arm, tighter and tighter, until not even Azazel could pry it off, though that didn’t stop his opponent from trying. “What kind of weapon is this?!” “Ha-ha-ha! How do you like my electro-whip?” Alex couldn’t help but gloat. “It contains a pulse field generator that I can use to create a combination of different effects. Right now it’s being used as a magnet. Your adamantine suit might not be a known alloy to humanity, but it’s clearly made of similar ionic bonds, which means you’re now trapped.” His electro-whip didn’t just shock things. He could change the settings based on what effect he wanted, whether that was zapping people with electricity or bonding alloys together through magnetism. “So you say, but you seem to have forgotten something.” “What’s that?” “I am an Angelisian, and we’re well-known for being some of the strongest beings in the galaxy. Our physical strength is second to none. We can lift and throw several tons without breaking a sweat.” Azazel’s smile made Alex feel like someone had dropped a lead ball in his gut. “How much do you think you weigh?” “Um, about seventy-nine kilograms… oh crap!” “ARGG!” “WAAAAHHH!
Brandon Varnell (A Most Unlikely Hero (A Most Unlikely Hero, #1))
Pasifika culture has a concept called the va,” I said, despite myself. It was something we’d learned about in law school. “The space between two people, or cultures. Sort of an imaginary landscape, made up of the social, personal, and spiritual bonds that comprise the relationship.
H.G. Parry (The Unlikely Escape of Uriah Heep)
Was it this? Unlike as they were in everything upon which human friendship is usually based — unlike in upbringing, in modes of life, in habits, interests, and thoughts, poles apart in station and in appearance, there was yet a bond between them which needed no forging, but sprang suddenly and strongly into being at their first contact.
D.E. Stevenson (Peter West)
Nevertheless, it also means that someone would be passing on. One day later, we were married at the small red brick church, which she went to as a young girl. It was the day at last; it was here; there she was walking down the aisle. With the flower pedals, everywhere. I remember seeing the angel oak trees with their leaves blowing in the breeze; it was the perfect heartwarming day. As I walked into the church. At that time, there were daisy and lily flowers all over the place on the floor, with the colors of white and pink in her bouquet, and some were even in her lovely hair, around the white lace veil, and of course next to the glittery silver princess tiara, which she wore. However, there was no one to give her away, but right before the ceremony, this older gentleman walked up to Kristen, he could barely stand or speak, yet he got up on his own two feet, he was very weak, he said that he was living with lung cancer. Yet he said- ‘I’ll do it for the little lady.’ That gentleman’s name was Greg; he said that he knew Nevaeh, and he knew Kristen’s mom, from way back when, so we both said okay, we all thought that was sweet of him to do. We said our vows, ‘I take you, to be my soul mate, to love what I know of you, and trusting what I do not yet know.’ ‘To love and hold and to grow old, as one soul. To get to be with you all the days of my life. While falling even more in love with you every day, as we pray. To keep you in my life.’ ‘I promise to love, and cherish you through whatever life may bring our way, as we become- us!’ We both quoted a remarkable saying by an astonishing person. ‘Love it is like the cupid's arrow, that hits at the most unlikely times. We chose to be as one forever and ever to never- ever forget that bond… now and forever!’ (We all said –Amen! in the house of the Lord.) You may kiss the bride! Brandon- and I did! Kristen- The kiss was magnificent and sweet. Then we walked out of the church together off into the sunset. Nevaeh- I am glad that I got to be there to see them be married!
Marcel Ray Duriez (Nevaeh Struggle with Affections)
Once the run was over, however, something funny would happen. No matter how fast or far any of us had gone, everyone was exhausted. Spent. Keeled over. That’s when the backslaps and high fives would happen. We were bonded in our fatigue, whereas a moment before we were separated by our giftings. Physically drained but emotionally fortified, we laughed and kidded around, talked about how hard it had been. The feeling was always positive. Our shared limitation brought us closer together. A theologian might say that God has given everyone different gifts and abilities, yet similar weaknesses. This is one of the great insights of the Christian faith. The world runs after success and strength and perfection and finds that the track only gets longer, the runners more spread out. The Christian considers weakness the location of grace and unity, not evidence of their absence. You might say, then, We are separated by our virtues but united in our distance from virtue. We are divided by the specifics of our political or aesthetic ideals but united in the fact that we fall short of those ideals. We are separated by how and whom we love but united by our failure to love perfectly. We are separated by the career paths we’ve taken but united by the ubiquity of regret, both professional and otherwise. We are separated by how much we’ve gained or accrued but united in the experience—somewhere along the line—of loss (and the fear of loss). We are stratified according to how we live but re-democratized by the fact of death. If you want to find common ground with someone, then don’t start with what they put on their résumé. Start with what they leave off.
David Zahl (Low Anthropology: The Unlikely Key to a Gracious View of Others (and Yourself))
unlike a corporation, real estate, intellectual property as well as stocks and bonds in a brokerage account can be transferred in and out of an LLC at their basis, thus incurring no taxation.
Garrett Sutton (Start Your Own Corporation: Why the Rich Own Their Own Companies and Everyone Else Works for Them (Rich Dad Advisors))
For one large expedition, Ea-nasir assembled fifty-one investors, who contributed money in the form of silver, as well as a variety of trade goods, including what were apparently the most desirable crafts of the city: Ur baskets. These were exchanged with the merchants in Dilmun for copper, precious stones, and spices. Ea-nasir’s tablets indicate that considerable diplomacy was required to equitably partition the profits from the Dilmun trade. Unlike Dumuzi-gamil’s debt, many of the capital contributions to Dilmun expeditions were equity investments. The contributors expected to gain if the expedition was a success. While bond contracts limited the payoff to the lender to a prescribed amount of interest, there was no limit to the profits that could accrue to Ea-nasir’s backers if they got lucky. They shared in the benefits according to the proportions of their investments. Another feature of Ur partnership contracts is also interesting: loss was often limited to the amount of the contribution. In fact, in some expedition charters, this limited liability was a stated condition of the investment.
William N. Goetzmann (Money Changes Everything: How Finance Made Civilization Possible)
Railroads were extremely capital intensive: Public financing, bond guarantees, and land grants were required to build the actual tracks. For the telegraph the pattern was the opposite. The initial grant to develop a commercial version came from the government, but the rest came from private capital with little government support, local, state, or federal. The reason was simple: The copper wire and wooden poles needed to build a mile of telegraph cost less than $200 in many cases, one hundredth of the cost of a mile of track. A line from Philadelphia to New York could be built for less than $20,000. Private investors could easily afford to speculate at these levels. Additionally, unlike a single mile of track, two hundred miles of telegraph could be operational quickly and start producing immediate revenue, charged by the letter or word.
Bhu Srinivasan (Americana: A 400-Year History of American Capitalism)
We were meaningful together. Intricate. An unlikely bond formed in the dwelling place of souls.
Pam Godwin (Sea of Ruin (Sea of Ruin, #1))
The bond between a wife and husband is a sacred covenant, where two souls intertwine in a dance of love, respect, and unwavering partnership, unlike any other connection in the world.
Jyoti Patel (NIRVANA: RAGA • DVESHA • MOHA)
Unlike male-female bonding, which excludes competing loyalties, male bonding is inclusive and builds small groups of men into effective fighting units. The brawling, drinking, athletic rough-house, vulgarity, and sexual braggadocio of young men in groups, incomprehensible to most women, are the rituals that cement the male bond. Young men in groups often risk death rather than be thought “screw ups” by their companions and male authority figures, another aspect of male bonding important in combat and incomprehensible to most women.
Michael Levin (Feminism and Freedom)
Junk bonds are bonds issued by corporations deemed by the two chief credit-rating agencies, Moody’s and Standard & Poor’s, to be unlikely to repay their debts.
Michael Lewis (Liar's Poker)
When all hope hinges on a promise forged of lies, Beware the threaded minds of blood and chaos. Unlikely friends and broken bonds may shift the tide, Cleave open the walls of the lost in the depths of the unholy night. Unleash the souls tethered in the tainted dark, Unite the rising twelve and toll the bells of fate.
Caroline Peckham (Sorrow and Starlight (Zodiac Academy, #8))
She wished she could. It was real love, unlike her mother’s marriage to Floyd. It was real because they were honest with one another, and the core of their bond was so solid they could argue without hurting each other. Arguments are the leaves, and the relationship is the trunk, Archie liked to say. One comes and goes, and the other doesn’t change, except to get stronger. He would know, because even when Florence was around, there had been a lot of arguments. Archie had openly soured on their covert arrangement, and had been trying to convince Floyd to move with him to Chicago. He claimed he had friends in Old Town who would welcome them, and they could live how they wanted. Floyd never had much to say about it when Florence was present. He was probably hoping it would blow over. Instead, it picked up more force each passing year.
J. Ryan Stradal (Saturday Night at the Lakeside Supper Club)
As I read on, however, the prose itself rather than the content became the center of my attention. It was unlike the books they had made me read at school and had nothing to do with the mysteries I used to check out of the library. Later, when I finally went to college, I would be able to trace Vanner’s literary influences and consider his novel from a formal point of view (even if he was never assigned reading for any of the courses I took, since his work was out of print and already quite unavailable). Yet back then I had never experienced anything like that language. And it spoke to me. It was my first time reading something that existed in a vague space between the intellectual and the emotional. Since that moment I have identified that ambiguous territory as the exclusive domain of literature. I also understood at some point that this ambiguity could only work in conjunction with extreme discipline—the calm precision of Vanner’s sentences, his unfussy vocabulary, his reluctance to deploy the rhetorical devices we identify with “artistic prose” while still retaining a distinctive style. Lucidity, he seems to suggest, is the best hiding place for deeper meaning—much like a transparent thing stacked in between others. My literary taste has changed since then, and Bonds has been displaced by other books. But Vanner gave me my first glimpse of that elusive region between reason and feeling and made me want to chart it in my own writing.
Hernan Diaz (Trust)
If they didn’t need us puny humans to develop signet abilities from bonding and weave the protective wards they power around Navarre, I’m pretty sure they’d eat us all and be done. But they like protecting the Vale—the valley behind Basgiath the dragons call home—from merciless gryphons and we like living, so here we are in the most unlikely of partnerships.
Rebecca Yarros (Fourth Wing (The Empyrean, #1))
Pasifika culture has a concept called the va,” I said, despite myself. It was something we’d learned about in law school. “The space between two people, or cultures. Sort of an imaginary landscape, made up of the social, personal, and spiritual bonds that comprise the relationship.” […] „So could you see conversation as navigating a liminal space?
H.G. Parry (The Unlikely Escape of Uriah Heep)
And there is another trait that relates very closely to a key aspect of the sheep’s psychological and social character: like some other bovids, but unlike goats, sheep have foot glands between their hooves. By this means they leave their scent on the ground as they trot – signing their names on the earth, as it were, wherever they go. These personal scent-trails are crucial to maintaining the bonds between flock members, and particularly the bond that holds ovine society together – that between lamb and ewe.
Philip Armstrong (Sheep (Animal))
Have you ever heard the death keel of a hare? Sometimes I like to snipe them with the rifle, but I don’t get the sound if it’s too clean of a shot. I can get them to make it with my knife, though. It’s unlike anything you’ll ever hear.’ Then he mounted me, placed his hand over my face, and whispered in my ear, ‘I want to hear you make a sound like that.
Elizabeth Helen (Bonded by Thorns (Beasts of the Briar, #1))
The most fundamental objection to Gamow’s scheme is that it does not distinguish between the direction of a sequence; that is, between Thr. Pro. Lys. Ala. and Ala. Lys. Pro. Thr…. There is little doubt that Nature makes this distinction, though it might be claimed that she produces both sequences at random, and that the “wrong” ones—not being able to fold up—are destroyed. This seems to me unlikely. That observation, made in passing, was the first acknowledgment of a theoretical question that is still unanswered: in general terms, what does the cell do with information it possesses on the DNA—and some organisms possess some DNA sequences in thousands of copies—that it does not use to code for proteins? This difficulty brings us face-to-face with one of the most puzzling features of the DNA structure—the fact that it is non-polar, due to the dyads at the side; or put another way, that one chain runs up while the other runs down. It is true that this only applies to the backbone, and not to the base sequence, as Delbrück has emphasized to me in correspondence. This may imply that a base sequence read one way makes sense, and read the other way makes nonsense. Another difficulty is that the assumptions made about which diamonds are equivalent are not very plausible…. [Gamow’s idea] would not be unreasonable if the amino acid could fit on to the template from either side, into cavities which were in a plane, but the structure certainly doesn’t look like that. The bonds seem mainly to stick out perpendicular to the axis, and the template is really a surface with knobs on, and presents a radically different aspect on its two sides…. What, then are the novel and useful features of Gamow’s ideas? It is obviously not the idea of amino acids fitting on to nucleic acids, nor the idea of the bases sequence of the nucleic acids carrying the information. To my mind Gamow has introduced three ideas of importance: (1) In Gamow’s scheme several different base sequences can code for one amino acid…. This “degeneracy” seems to be a new idea, and, as discussed later, we can generalise it. (2) Gamow boldly assumed that code would be of the overlapping type…. Watson and I, thinking mainly about coding by hypothetical RNA structures rather than by DNA, did not seriously consider this type of coding. (3) Gamow’s scheme is essentially abstract. It originally paid lip service to structural considerations, but the position was soon reached when “coding” was looked upon as a problem in itself, independent as far as possible of how things might fit together…. Such an approach, though at first sight unnecessarily abstract, is important. Finally it is obvious to all of us that without our President the whole problem would have been neglected and few of us would have tried to do anything about it.
Horace Freeland Judson (The Eighth Day of Creation: Makers of the Revolution in Biology)
College bonds weakened for students of who lived off campus, took outside employment, and maintained active family commitments. Unskilled in navigating the university, these students were unlikely to enter the personal networks where insiders traded the practical information they desperately needed.
Karen Arnold (Lives of Promise: What Becomes of High School Valedictorians: A Fourteen-year Study of Achievement and Life Choices (Jossey Bass Social and Behavioral Science Series))
The world he loved was not just disappearing; it was already gone. The British Empire would shrink away from its borders. Williams had lost the Burmese members of his family, and the elephants were next. The effect of the separation would be momentous. The bond he had forged with the animals was something so large and deep he could frame it only in spiritual terms, saying they were his “religion.
Vicki Constantine Croke (Elephant Company: The Inspiring Story of an Unlikely Hero and the Animals Who Helped Him Save Lives in World War II)
In one celebrated incident, an analyst who had the chutzpah to recommend that Trump’s Taj Mahal bonds be sold because they were unlikely to pay their interest was summarily fired by his firm after threats of legal retaliation from “The Donald” himself. (Later, the bonds did default.)
Burton G. Malkiel (A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing)
Gold is often sought as a refuge during times of financial travail. True to form, the price of the precious metal more than tripled in the 1999-2009 decade. But gold is largely a rank speculation, for its price is based solely on market expectations. Gold provides no internal rate of return. Unlike stocks and bonds, gold provides none of the intrinsic value that is created for stocks by earnings growth and dividend yields, and for bonds by interest payments. So in the two centuries plus shown in the chart, the initial $10,000 investment in gold grew to barely $26,000 in realterms. In fact, since the peak reached during its earlier boom in 1980, the price of gold has lost nearly 40 percent of its real value.
John C. Bogle (Common Sense on Mutual Funds)
Unlike common stocks, whose dividends and earnings fluctuate with the ups and downs of the company’s business, bonds pay a fixed dollar amount of interest. If the U.S. Treasury offers a $1,000 20-year, 5 percent bond, that bond will pay $50 per year until it matures, when the principal will be repaid. Corporate bonds are less safe, but widely diversified bond portfolios have provided reasonably stable interest returns over time.
Burton G. Malkiel (The Elements of Investing: Easy Lessons for Every Investor)
In these uncertain days, bond funds are an especially important option for investors. Unlike stock funds, they have high predictability in at least these five ways: (1) The current yields (on longer-term issues) are an excellent—if imperfect—predictor of future returns. (2) The range of gross returns earned by bond managers clusters in an inevitably narrow range that is established by the current level of interest rates in each sector of the market. (3) The choices are wide. As the maturity date lengthens, volatility of principal increases, but volatility of income declines. (4) Whether taxable or municipal, bond fund returns are highly correlated with one another. Municipal bond funds are fine choices for investors in high tax brackets, and inflation-protected bond funds are a sound option for those who believe that much higher living costs will result from the huge federal government deficits of this era. (5) The greatest constant of all is that—given equivalent portfolio quality and maturity—lower costs mean higher returns. (Don’t forget that index bond funds—or their equivalent—carry the lowest costs of all.)
John C. Bogle (Common Sense on Mutual Funds)
Then as now the PC held a curious power over restless, analytical people. To start with, the computer carried a psychological appeal not unlike that of an automobile. Both machines were objects of intense attachment for many of their owners—feelings of attachment that went well beyond the utility of the machines. While illustrating the way in which people can form emotional bonds with tools, the symbolisms of the automobile and the PC differed in an important way. The realm of the automobile extended no further than that of fantasy and enjoyment. The PC, by contrast, was a medium for creation. The utility of a PC arose directly from its software. Writing software required little money and, surprisingly, scant experience.
G. Pascal Zachary (Showstopper!: The Breakneck Race to Create Windows NT and the Next Generation at Microsoft)
Credit” is the third-person singular conjugation of the present tense of the Latin verb credere, “to believe.” It’s the most exceptional and interesting thing in the financial world. Similar leaps of belief underlie every human transaction in life: Your wife might cheat on you, but you hope otherwise. The online store you paid may not ship you your goods, but you trust otherwise. Credit derivatives are just the explicit encapsulations of such beliefs, in financial and contractual form, for corporate entities. Unlike other financial securities, such as shares of IBM stock or oil futures, a credit derivative is not even some theoretical value of a tangible good. It’s the perceived value of a complete intangible, the perception of the probability of meeting some future obligation. People often asked me in the early days of my tech career how I had gone from Wall Street to ads technology. Such a person almost certainly knew nothing about either industry, or the answer would have been obvious. I did the same thing the whole time: putting a price on a human’s perception, be it of a General Motors bond or a pair of shoes coveted on Zappos. It’s the same difference either way; only the scale of the money pile changes.
Antonio García Martínez (Chaos Monkeys: Obscene Fortune and Random Failure in Silicon Valley)
The medical profession has had an especially persuasive claim to authority. Unlike the law and the clergy, it enjoys close bonds with modern science, and at least for most of the last century, scientific knowledge has held a privileged status in the hierarchy of belief.
Paul Starr (The Social Transformation of American Medicine: The Rise Of A Sovereign Profession And The Making Of A Vast Industry)
(First tip: do not own or befriend cats, they only form unnecessary emotional bonds and, unlike dogs, will not come to your aid at a crucial moment. They may also join forces with the zombies at the first opportunity to take revenge on you for your giving them a name like Mittens).
Laurence Sutton (Ultimate Survival Guide : Zombie Apocalypse)
If your company has any credible strategy for providing equity-based returns with muted volatility, you have not just a value proposition, but one of the most important value propositions of our time.... What's the concept in an operating real estate REIT? Operating real estate (as distinct from net leases or mortgages, which are other financing concepts) has the potential to produce equity-like long-term returns, but isan extremely powerful diversifier, in that real estate correlates positively with inflation while stocks and bonds correlate negatively with it. Inflation, with it attendant higher interest rates, chokes off new supply of real estate: new expensive to build, to expensive to finance at prevailing market rents. When new supply dwindles, normal growth absorbs the available space and puts upward pressure on rents, increasing cash flows to the owners... until rents get to a point where new construction pencils out again. (Meanwhile, in an inflation/interest rate flareup of any consequence, stocks and bonds are usually getting hit, and sometimes hit hard.) This, to me, is a trifecta of a conceptual value proposition: (a) the potential for the equity-like long-term returns investors need, (b) historically correlated positively with inflation, unlike all financial assets, and (c) just when you think this story can't get better, with 90% of available income paid out currently to income-starved investors.... What's the concept for variable life insurance? It's certainly the least expensive long-term form of life insurance, in that, as the investment portion grows, it extinguishes the insurance company's exposure. (As Ben Baldwin gnomically and brilliantly observes, 'All insurance is term insurance.') It may also be, in a given situation, the cheapest way of funding an estate tax liability, leaving the maximum legacy to one's heirs. And, of course, if the ownership is vested in an insurance trust, one may (under current law at this writing) be bequeathing wealth without income or estate taxation. As long as there is an estate tax - any estate tax - there will be a financial planning issue in the life of every affluent household/family: how do you want the heirs to pay it? And it seems likely that, conceptually, VUL will always be an answer.... Small cap equities? The concept is, clearly, higher returns with - and precisely because of - their higher volatility.
Nick Murray (The Value Added Wholesaler in the Twenty-First Century)
When playing a bear market, the same rules hold: You want to diversify your risks, especially knowing that collapses move even faster than rallies. You need to decide how much safe cash or near cash you want to hold to sleep at night and to handle financial emergencies, like the loss of your job or your house. Then decide how much to put into longer-term high-quality bonds, like those 30-year Treasuries and AAA corporates, but I think it’s still premature to make this move at the time of this writing, in August 2017. Then decide how much you want to put into a dollar bull fund or the ETF UUP, which tracks the U.S. dollar versus its six major trading partners. If you’re willing to risk part of your wealth, you can also bet on financial assets going down—from stocks to gold. Stocks are the one type of financial asset that goes down in either a deflationary crisis, like the 1930s, or an inflationary one, like the 1970s. So shorting stocks is the best way to prosper in the downturn, either way. But don’t leverage this bet. The markets are simply too volatile. You can short the stock market with no leverage by simply buying an ETF (exchange-traded fund) like the ProShares Short S&P 500 (NYSEArca: SH). It’s an inverse fund on the S&P 500, so if the index goes down 50 percent, you make 50 percent. The ProShares Ultrashort (NYSEArca: QID) is double short the NASDAQ 100, which is likely to get hit the worst. If you make this play, just do a half share, to avoid that two-times leverage (hold the other half in cash or short-term bonds). Direxion Daily Small Cap Bear 3X ETF (NYSEArca: TZA) is triple short the Russell 2000, which is also likely to lead on the way down. So buy only a one-third share of this one, to remain without leverage. (That means the money you allocate here should be one-third in TZA and two-thirds in cash, to offset the leverage.) And unlike the gold bugs, I see gold collapsing. It’s an inflation hedge, not a deflation hedge. If gold rallies back as high as $1,425—on my predicted bear-market rally—then it could easily drop to around $700 within a year. Your last decision is whether to risk some of your funds betting on gold’s downside, for the greatest potential returns. You can buy DB Gold Double Short ETN (NYSEArca: DZZ)—double short gold—at a half share, to offset the leverage, or just simply short GLD, the ETF that follows gold. There you have it. How to handle the coming crash.
Harry S. Dent (Zero Hour: Turn the Greatest Political and Financial Upheaval in Modern History to Your Advantage)
REITs. Real Estate Investment Trusts, or REITs (pronounced “reets”), are companies that own and collect rent from commercial and residential properties.10 Bundled into real-estate mutual funds, REITs do a decent job of combating inflation. The best choice is Vanguard REIT Index Fund; other relatively low-cost choices include Cohen & Steers Realty Shares, Columbia Real Estate Equity Fund, and Fidelity Real Estate Investment Fund.11 While a REIT fund is unlikely to be a foolproof inflation-fighter, in the long run it should give you some defense against the erosion of purchasing power without hampering your overall returns. TIPS. Treasury Inflation-Protected Securities, or TIPS, are U.S. government bonds, first issued in 1997, that automatically go up in value when inflation rises. Because the full faith and credit of the United States
Benjamin Graham (The Intelligent Investor)
Odd, how some little incident, some snatch of conversation comes back to one again and again in the most unlikely places.
Ruskin Bond (My Favourite Nature Stories)
Odd, how some little incident, some snatch of conversation, comes back to one again and again, in the most unlikely places.
Ruskin Bond (Petals on the Ganga)
we were all itching for dick jokes and male bonding. The team took photos for the web site on an abandoned construction site (camp was in central Florida at the beginning of the mortgage crisis, so the area was filled with ruins, not unlike ancient Rome). The next day, we rode back to the same spot and took our own pictures, this time with our genitals out, and slipped it into the photographer’s slideshow. Someday, I’ll frame that photo and put it on the wall.
Phil Gaimon (Pro Cycling on $10 a Day: From Fat Kid to Euro Pro)
They shared a look, and Tess felt a wave of emotion. How quickly she'd found an affinity with Isabel, a woman so unlike her, they might have been from different species. Only a short time ago they had been strangers. Now she couldn't imagine not knowing Isabel, her guileless and fragile sister. They shared a birthday, they shared their father's DNA, but the bond now ran deeper than that; it ran as deep as blood and secrets.
Susan Wiggs (The Apple Orchard (Bella Vista Chronicles, #1))
Nandprayag is a place that ought to be famous for its beauty and order. For a mile or two before reaching it we had noticed the superior character of the agriculture and even some careful gardening of fruits and vegetables. The peasantry also, suddenly grew handsome, not unlike the Kashmiris. The town itself is new, rebuilt since the Gohna flood, and its temple stands far out across the fields on the shore of the Prayag. But in this short time a wonderful energy has been at work on architectural carvings, and the little place is full of gemlike beauties. Its temple is dedicated to Naga Takshaka. As the road crosses the river, I noticed two or three old Pathan tombs, the only traces of Mohammedanism that we had seen north of Srinagar in Garhwal.   Little
Ruskin Bond (Roads to Mussoorie)
The discovery of our mind’s largely irrational nature prompted what may be the most radical and influential of the three revolutions in human thought that, as Freud noted, determined how we view ourselves and our place in the universe. The first such revolution, the Copernican revolution of the sixteenth century, revealed that the earth is not the center of the universe, but rather a small satellite orbiting the sun. The second, the Darwinian revolution of the nineteenth century, revealed that we are not created divinely or uniquely but instead evolved from simpler animals by a process of natural selection. The third great revolution, the Freudian revolution of Vienna 1900, revealed that we do not consciously control our own actions but are instead driven by unconscious motives. This third revolution later led to the idea that human creativity—the creativity that led Copernicus and Darwin to their theories—stems from conscious access to underlying, unconscious forces. Unlike the Copernican and Darwinian revolutions, the realization that our mental functioning is largely irrational was arrived at by several thinkers at the same time, including Friedrich Nietzsche in the middle of the nineteenth century. Freud, who was much influenced by both Darwin and Nietzsche, is most frequently identified with the third revolution because he was its most profound and articulate exponent. It was, however, a discovery he did not make in isolation: his contemporaries Schnitzler, Klimt, Kokoschka, and Schiele also discovered and explored new aspects of our unconscious mental life. They understood women better than Freud, particularly the nature of women’s sexuality and maternal instinct, and they saw more clearly than Freud the importance of an infant’s bonding to its mother. They even realized the significance of the aggressive instinct earlier than Freud did.
Eric R. Kandel (The Age of Insight: The Quest to Understand the Unconscious in Art, Mind, and Brain, from Vienna 1900 to the Present)
Luke Skywalker is dead, passing on his knowledge and the mantle of the last Jedi to Rey. The Resistance has been all but wiped out; Snoke is gone; and Kylo Ren — now Supreme Leader Ren — is more broken than ever, Driven by conflict through the unlikely bond that he forged with Rey.
chris terrio
The fact that these toddlers became so distressed, and then depressed and detached, as the separation lengthened, suggested that a child’s bond with the mother had particular qualities that made their relationship unlike any other.
Douglas Davies (Child Development, Third Edition: A Practitioner's Guide (Clinical Practice with Children, Adolescents, and Families))
And because, Jenny knew, the true bond with a comrade was what she herself craved most of all. It was what, even now, some submerged stubborn part of her feels she had gained, for a time. A perfect comradeship, unlike the farce that the cadre had lived. Unlike, even, Jenny’s previous life with William, in which she had felt herself struggling to keep his approval, and always amazed at his interest in her. With Pauline she had never felt that, but that their mistakes they at least made together, and their remorse they’d at least get to share. Now she prepared to face all of it newly alone.
Susan Choi (American Woman)
What does this mean in practical terms? Let’s keep things simple, ignore private equity and commercial real estate, and focus just on the broad stock and bond market. You might buy three funds: an index fund offering exposure to the entire U.S. stock market, an index fund that will give you exposure to both developed foreign stock markets and emerging stock markets, and an index fund that owns the broad U.S. bond market. Suppose we were aiming to build a classic balanced portfolio, with 60 percent in stocks and 40 percent in bonds. Here are some possible investment mixes using index funds offered by major financial firms:     40 percent Fidelity Spartan Total Market Index Fund, 20 percent Fidelity Spartan Global ex U.S. Index Fund and 40 percent Fidelity Spartan U.S. Bond Index Fund. You can purchase these mutual funds directly from Fidelity Investments (Fidelity.com).     40 percent Vanguard Total Stock Market Index Fund, 20 percent Vanguard FTSE All-World ex-US Index Fund and 40 percent Vanguard Total Bond Market Index Fund. You can buy these mutual funds directly from Vanguard Group (Vanguard.com).     40 percent Vanguard Total Stock Market ETF, 20 percent Vanguard FTSE All-World ex-US ETF and 40 percent Vanguard Total Bond Market ETF. You can purchase these ETFs, or exchange-traded funds, through a discount or full-service brokerage firm. You can learn more about each of the funds at Vanguard.com.     40 percent iShares Core S&P Total U.S. Stock Market ETF, 20 percent iShares Core MSCI Total International Stock ETF and 40 percent iShares Core U.S. Aggregate Bond ETF. You can buy these ETFs through a brokerage account and find fund details at iShares.com.     40 percent SPDR Russell 3000 ETF, 20 percent SPDR MSCI ACWI ex-US ETF and 40 percent SPDR Barclays Aggregate Bond ETF. You can invest in these ETFs through a brokerage account and learn more at SPDRs.com.     40 percent Schwab Total Stock Market Index Fund, 20 percent Schwab International Index Fund and 40 percent Schwab Total Bond Market Fund. You can buy these mutual funds directly from Charles Schwab (Schwab.com). The good news: Schwab’s funds have a minimum initial investment of just $100. The bad news: Unlike the other foreign stock funds listed here, Schwab’s international index fund focuses solely on developed foreign markets. Those who want exposure to emerging markets might take a fifth of the money allocated to the international fund—equal to 4 percent of the entire portfolio—and invest it in an emerging markets stock index fund. One option: Schwab has an ETF that focuses on emerging markets.
Jonathan Clements (How to Think About Money)