When Your Value Increases Quotes

When you raise your price, you increase the value the consumer receives without changing anything else about your product.

You will not remember much from school. School is designed to teach you how to respond and listen to authority figures in the event of an emergency. Like if there's a bomb in a mall or a fire in an office. It can, apparently, take you more than a decade to learn this. These are not the best days of your life. They are still ahead of you. You will fall in love and have your heart broken in many different, new and interesting ways in college or university (if you go) and you will actually learn things, as at this point, people will believe you have a good chance of obeying authority and surviving, in the event of an emergency. If, in your chosen career path, there are award shows that give out more than ten awards in one night or you have to pay someone to actually take the award home to put on your mantlepiece, then those awards are more than likely designed to make young people in their 20's work very late, for free, for other people. Those people will do their best to convince you that they have value. They don't. Only the things you do have real, lasting value, not the things you get for the things you do. You will, at some point, realise that no trophy loves you as much as you love it, that it cannot pay your bills (even if it increases your salary slightly) and that it won't hold your hand tightly as you say your last words on your deathbed. Only people who love you can do that. If you make art to feel better, make sure it eventually makes you feel better. If it doesn't, stop making it. You will love someone differently, as time passes. If you always expect to feel the same kind of love you felt when you first met someone, you will always be looking for new people to love. Love doesn't fade. It just changes as it grows. It would be boring if it didn't. There is no truly "right" way of writing, painting, being or thinking, only things which have happened before. People who tell you differently are assholes, petrified of change, who should be violently ignored. No philosophy, mantra or piece of advice will hold true for every conceivable situation. "The early bird catches the worm" does not apply to minefields. Perfection only exists in poetry and movies, everyone fights occasionally and no sane person is ever completely sure of anything. Nothing is wrong with any of this. Wisdom does not come from age, wisdom comes from doing things. Be very, very careful of people who call themselves wise, artists, poets or gurus. If you eat well, exercise often and drink enough water, you have a good chance of living a long and happy life. The only time you can really be happy, is right now. There is no other moment that exists that is more important than this one. Do not sacrifice this moment in the hopes of a better one. It is easy to remember all these things when they are being said, it is much harder to remember them when you are stuck in traffic or lying in bed worrying about the next day. If you want to move people, simply tell them the truth. Today, it is rarer than it's ever been. (People will write things like this on posters (some of the words will be bigger than others) or speak them softly over music as art (pause for effect). The reason this happens is because as a society, we need to self-medicate against apathy and the slow, gradual death that can happen to anyone, should they confuse life with actually living.)

Contentment is created when your behaviour is consistent with your values. When you act in ways that are consistent with the core of who you are, even when your actions aren't approved by others, you increase your overall contentment. Happiness, success, money, relationships, and even the approval of others will come and go in your life, but what is ultimately satisfying is feeling content.

When you help others know their worth you increase your own.

The realms of dating, marriage, and sex are all marketplaces, and we are the products. Some may bristle at the idea of people as products on a marketplace, but this is an incredibly prevalent dynamic. Consider the labor marketplace, where people are also the product. Just as in the labor marketplace, one party makes an offer to another, and based on the terms of this offer, the other person can choose to accept it or walk. What makes the dating market so interesting is that the products we are marketing, selling, buying, and exchanging are essentially our identities and lives. As with all marketplaces, every item in stock has a value, and that value is determined by its desirability. However, the desirability of a product isn’t a fixed thing—the desirability of umbrellas increases in areas where it is currently raining while the desirability of a specific drug may increase to a specific individual if it can cure an illness their child has, even if its wider desirability on the market has not changed. In the world of dating, the two types of desirability we care about most are: - Aggregate Desirability: What the average demand within an open marketplace would be for a relationship with a particular person. - Individual Desirability: What the desirability of a relationship with an individual is from the perspective of a specific other individual. Imagine you are at a fish market and deciding whether or not to buy a specific fish: - Aggregate desirability = The fish’s market price that day - Individual desirability = What you are willing to pay for the fish Aggregate desirability is something our society enthusiastically emphasizes, with concepts like “leagues.” Whether these are revealed through crude statements like, “that guy's an 8,” or more politically correct comments such as, “I believe she may be out of your league,” there is a tacit acknowledgment by society that every individual has an aggregate value on the public dating market, and that value can be judged at a glance. When what we have to trade on the dating market is often ourselves, that means that on average, we are going to end up in relationships with people with an aggregate value roughly equal to our own (i.e., individuals “within our league”). Statistically speaking, leagues are a real phenomenon that affects dating patterns. Using data from dating websites, the University of Michigan found that when you sort online daters by desirability, they seem to know “their place.” People on online dating sites almost never send a message to someone less desirable than them, and on average they reach out to prospects only 25% more desirable than themselves. The great thing about these markets is how often the average desirability of a person to others is wildly different than their desirability to you. This gives you the opportunity to play arbitrage with traits that other people don’t like, but you either like or don’t mind. For example, while society may prefer women who are not overweight, a specific individual within the marketplace may prefer obese women, or even more interestingly may have no preference. If a guy doesn’t care whether his partner is slim or obese, then he should specifically target obese women, as obesity lowers desirability on the open marketplace, but not from his perspective, giving him access to women who are of higher value to him than those he could secure within an open market.

Leadership is often misunderstood. When people hear that someone has an impressive title or an assigned leadership position, they assume that individual to be a leader. Sometimes that’s true. But titles don’t have much value when it comes to leading. True leadership cannot be awarded, appointed, or assigned. It comes only from influence, and that cannot be mandated. It must be earned. The only thing a title can buy is a little time—either to increase your level of influence with others or to undermine it.

In all of these areas, the human brain is asked to do and handle more than ever before. We are dealing with several fields of knowledge constantly intersecting with our own, and all of this chaos is exponentially increased by the information available through technology. What this means is that all of us must possess different forms of knowledge and an array of skills in different fields, and have minds that are capable of organizing large amounts of information. The future belongs to those who learn more skills and combine them in creative ways. And the process of learning skills, no matter how virtual, remains the same. In the future, the great division will be between those who have trained themselves to handle these complexities and those who are overwhelmed by them—those who can acquire skills and discipline their minds and those who are irrevocably distracted by all the media around them and can never focus enough to learn. The Apprenticeship Phase is more relevant and important than ever, and those who discount this notion will almost certainly be left behind. Finally, we live in a culture that generally values intellect and reasoning with words. We tend to think of working with the hands, of building something physical, as degraded skills for those who are less intelligent. This is an extremely counterproductive cultural value. The human brain evolved in intimate conjunction with the hand. Many of our earliest survival skills depended on elaborate hand-eye coordination. To this day, a large portion of our brain is devoted to this relationship. When we work with our hands and build something, we learn how to sequence our actions and how to organize our thoughts. In taking anything apart in order to fix it, we learn problem-solving skills that have wider applications. Even if it is only as a side activity, you should find a way to work with your hands, or to learn more about the inner workings of the machines and pieces of technology around you. Many Masters

O lower self, which is better, the Garden of eternity or a glimpse of this world's unlawful bounty and its wretched, fleeting rubbish? You are capable of obtaining that permanent blessing in exchange for your worshipful obedience, so do not be mean in your aspiration, vile in your intention, and base in your deeds. Look at the doves when they fly aloft, and see how their worth ascends and their value increases! You must raise all your aspiration heavenwards. You must not waste what you have gained by your worshipful obedience. You must therefore pay close attention, O miserable wretch, and beware of being among the deprived.

Dear Valued Customer: Your cable bill is now increasing 5% per month. You cannot cancel your cable. Ever. You cannot reduce your bill in any way. If you turn off your cable, your bill will remain exactly the same. If you rip your cable out of the wall, your bill will remain exactly the same, with the exception that we will charge you for the damage. Your children will be unable to cancel your cable contract. Also, please note that we will be reducing our delivery of channels by approximately 1 every month. As we deliver fewer channels, you can anticipate that your bill will sharply increase. If you do not pay your bill on time, the ownership of your house will revert to us, and we will lock you in an undisclosed location, where you will be forced to do tech support, and where we will be unable to protect you from assault and rape. If you attempt to defend yourself when we come to take your house, we are fully authorized to gun you down. Sincerely, The Statist Cable Company

When you’re obsessed with efficiency and productivity, it’s difficult to see the real value of education and care. Which is why so many politicians and taxpayers alike see only costs. They don’t realize that the richer a country becomes the more it should be spending on teachers and doctors. Instead of regarding these increases as a blessing, they’re viewed as a disease.

CREDIBILITY STATEMENT EXERCISE Take a moment to think of one credibility statement you can incorporate into your sales approach. Make sure it clearly and convincingly communicates how you or your company is an expert in an area that will provide meaningful value to your potential customers. Once you create it, begin to use it when selling and you’ll see how the statement will increase buyer receptiveness.

In every interview I’m asked what’s the most important quality a novelist has to have. It’s pretty obvious: talent. Now matter how much enthusiasm and effort you put into writing, if you totally lack literary talent you can forget about being a novelist. This is more of a prerequisite than a necessary quality. If you don’t have any fuel, even the best car won’t run.The problem with talent, though, is that in most cases the person involved can’t control its amount or quality. You might find the amount isn’t enough and you want to increase it, or you might try to be frugal and make it last longer, but in neither case do things work out that easily. Talent has a mind of its own and wells up when it wants to, and once it dries up, that’s it. Of course, certain poets and rock singers whose genius went out in a blaze of glory—people like Schubert and Mozart, whose dramatic early deaths turned them into legends—have a certain appeal, but for the vast majority of us this isn’t the model we follow. If I’m asked what the next most important quality is for a novelist, that’s easy too: focus—the ability to concentrate all your limited talents on whatever’s critical at the moment. Without that you can’t accomplish anything of value, while, if you can focus effectively, you’ll be able to compensate for an erratic talent or even a shortage of it. I generally concentrate on work for three or four hours every morning. I sit at my desk and focus totally on what I’m writing. I don’t see anything else, I don’t think about anything else. … After focus, the next most important thing for a novelist is, hands down, endurance. If you concentrate on writing three or four hours a day and feel tired after a week of this, you’re not going to be able to write a long work. What’s needed of the writer of fiction—at least one who hopes to write a novel—is the energy to focus every day for half a year, or a year, or two years. … Fortunately, these two disciplines—focus and endurance—are different from talent, since they can be acquired and sharpened through training. You’ll naturally learn both concentration and endurance when you sit down every day at your desk and train yourself to focus on one point. This is a lot like the training of muscles I wrote of a moment ago. You have to continually transmit the object of your focus to your entire body, and make sure it thoroughly assimilates the information necessary for you to write every single day and concentrate on the work at hand. And gradually you’ll expand the limits of what you’re able to do. Almost imperceptibly you’ll make the bar rise. This involves the same process as jogging every day to strengthen your muscles and develop a runner’s physique. Add a stimulus and keep it up. And repeat. Patience is a must in this process, but I guarantee results will come. In private correspondence the great mystery writer Raymond Chandler once confessed that even if he didn’t write anything, he made sure he sat down at his desk every single day and concentrated. I understand the purpose behind his doing this. This is the way Chandler gave himself the physical stamina a professional writer needs, quietly strengthening his willpower. This sort of daily training was indispensable to him. … Most of what I know about writing I’ve learned through running every day. These are practical, physical lessons. How much can I push myself? How much rest is appropriate—and how much is too much? How far can I take something and still keep it decent and consistent? When does it become narrow-minded and inflexible? How much should I be aware of the world outside, and how much should I focus on my inner world? To what extent should I be confident in my abilities, and when should I start doubting myself? I know that if I hadn’t become a long-distance runner when I became a novelist, my work would have been vastly different. How different? Hard to say. But something would definitely have been different.

The “German problem” after 1970 became how to keep up with the Germans in terms of efficiency and productivity. One way, as above, was to serially devalue, but that was beginning to hurt. The other way was to tie your currency to the deutsche mark and thereby make your price and inflation rate the same as the Germans, which it turned out would also hurt, but in a different way. The problem with keeping up with the Germans is that German industrial exports have the lowest price elasticities in the world. In plain English, Germany makes really great stuff that everyone wants and will pay more for in comparison to all the alternatives. So when you tie your currency to the deutsche mark, you are making a one-way bet that your industry can be as competitive as the Germans in terms of quality and price. That would be difficult enough if the deutsche mark hadn’t been undervalued for most of the postwar period and both German labor costs and inflation rates were lower than average, but unfortunately for everyone else, they were. That gave the German economy the advantage in producing less-than-great stuff too, thereby undercutting competitors in products lower down, as well as higher up the value-added chain. Add to this contemporary German wages, which have seen real declines over the 2000s, and you have an economy that is extremely hard to keep up with. On the other side of this one-way bet were the financial markets. They looked at less dynamic economies, such as the United Kingdom and Italy, that were tying themselves to the deutsche mark and saw a way to make money. The only way to maintain a currency peg is to either defend it with foreign exchange reserves or deflate your wages and prices to accommodate it. To defend a peg you need lots of foreign currency so that when your currency loses value (as it will if you are trying to keep up with the Germans), you can sell your foreign currency reserves and buy back your own currency to maintain the desired rate. But if the markets can figure out how much foreign currency you have in reserve, they can bet against you, force a devaluation of your currency, and pocket the difference between the peg and the new market value in a short sale. George Soros (and a lot of other hedge funds) famously did this to the European Exchange Rate Mechanism in 1992, blowing the United Kingdom and Italy out of the system. Soros could do this because he knew that there was no way the United Kingdom or Italy could be as competitive as Germany without serious price deflation to increase cost competitiveness, and that there would be only so much deflation and unemployment these countries could take before they either ran out of foreign exchange reserves or lost the next election. Indeed, the European Exchange Rate Mechanism was sometimes referred to as the European “Eternal Recession Mechanism,” such was its deflationary impact. In short, attempts to maintain an anti-inflationary currency peg fail because they are not credible on the following point: you cannot run a gold standard (where the only way to adjust is through internal deflation) in a democracy.

Phaethon asked: “Do you think there is something wrong with the Sophotechs? We are Manorials, father! We let Rhadamanthus control our finances and property, umpire our disputes, teach our children, design our thoughtscapes, and even play matchmaker to find us wives and husbands!” “Son, the Sophotechs may be sufficient to advise the Parliament on laws and rules. Laws are a matter of logic and common sense. Specially designed human-thinking versions, like Rhadamanthus, can tell us how to fulfill our desires and balance our account books. Those are questions of strategy, of efficient allocation of resources and time. But the Sophotechs, they cannot choose our desires for us. They cannot guide our culture, our values, our tastes. That is a question of the spirit.” “Then what would you have us do? Would you change our laws?” “Our mores, not our laws. There are many things which are repugnant, deadly to the spirit, and self-destructive, but which law should not forbid. Addiction, self-delusion, self-destruction, slander, perversion, love of ugliness. How can we discourage such things without the use of force? It was in response to this need that the College of Hortators evolved. Peacefully, by means of boycotts, public protests, denouncements, and shunnings, our society can maintain her sanity against the dangers to our spirit, to our humanity, to which such unboundried liberty, and such potent technology, exposes us.” (...) But Phaethon certainly did not want to hear a lecture, not today. “Why are you telling me all this? What is the point?” “Phaethon, I will let you pass through those doors, and, once through, you will have at your command all the powers and perquisites I myself possess. The point of my story is simple. The paradox of liberty of which you spoke before applies to our entire society. We cannot be free without being free to harm ourselves. Advances in technology can remove physical dangers from our lives, but, when they do, the spiritual dangers increase. By spiritual danger I mean a danger to your integrity, your decency, your sense of life. Against those dangers I warn you; you can be invulnerable, if you choose, because no spiritual danger can conquer you without your own consent. But, once they have your consent, those dangers are all-powerful, because no outside force can come to your aid. Spiritual dangers are always faced alone. It is for this reason that the Silver-Gray School was formed; it is for this reason that we practice the exercise of self-discipline. Once you pass those doors, my son, you will be one of us, and there will be nothing to restrain you from corruption and self-destruction except yourself. “You have a bright and fiery soul, Phaethon, a power to do great things; but I fear you may one day unleash such a tempest of fire that you may consume yourself, and all the world around you.

Your words and your behavior must be in line with your beliefs before you can begin to enjoy a truly authentic life. When you stop worrying about pleasing everyone and, instead, are willing to be bold enough to live according to your own values, you'll experience many benefits: -Your self confidence will soar. The more you're able to see that you don't have to make people happy, the more independence and confidence you'll gain. You'll feel content with the decisions you make, even when other people disagree with your actions, because you'll know you made the right choice. -You'll have more time and energy to devote to your goals. Instead of wasting energy trying to become the person you think others want you to be, you'll have time and energy to work on yourself. When you channel that effort toward your goals, you'll be much more likely to be successful. -You'll feel less stressed. When you set limits and healthy boundaries, you'll experience a lot less stress and irritation. You'll feel like you have more control over your life. -You'll establish healthier relationships. Other people will develop more respect for you when you behave in an assertive manner. Your communication will improve and you'll be able to prevent yourself from building a lot of anger and resentment toward people. -You'll have increased willpower. An interesting 2008 study published in the Journal of Experimental Psychology showed that people have much more willpower when they're making choices on their own accord rather than out of an attempt to please someone else. If you're only doing something to make someone else happy, you'll struggle to reach your goal. You'll be motivated to keep p the good work if you're convinced it's the best choice for you.

Grit. It’s part of who we are. Who we are meant to be. How we were raised. One of the most important things we were taught was how to work. When you do something yourself, with your own two hands, the intrinsic value increases exponentially. It is one of the core principles in the JG Mantra of DIY: Your pride in the end result is directly proportional to the amount of work and dedication you put into the project. We were taught the value of down-and-dirty, sweat-on-your-brow, muscles-achin’, backbreakin’, baby-needs-a-new-pair-of-shoes physical labor. It’s a little thing called “sweat equity.” Elbow grease. Good old-fashioned “get in there and get it done.” And thank goodness, because now we’re more intimidated by long lines at the shopping mall than we are by our JG job requirements.

Earning Trust & Cooperation The number one thing which stands between you and meeting a new person is tension. What is the number one thing which stands between a sales person and their prospect? You guessed it . . . tension. One of our first priorities as we initiate a first impression must be to focus on how to effectively minimize or eliminate tension. Regardless of your relationship or venue, when tension is high, trust and cooperation are low. When tension is reduced, trust and cooperation increase. It is an inverse relationship. So, how can you move to reduce tension in your first impressions to increase trust and cooperation? Put yourself in their shoes and seek to relate to them with an equal footing on a level playing field. Demonstrate how you can bring value to their lives.

We all have some of what may be termed narcissistic needs, such as the need to be valued, admired, understood, or simply recognized as a unique person. During painful periods, we become much more narcissistic, or self-centered, and our demands for attention, mirroring, validation, etc. increase. However, when we feel better, we generally return to a baseline ability to reciprocate in our relationships. Instead of only taking, we give-and-take by listening, understanding, validating, and supporting others. For NPD individuals, however, they feel endlessly entitled to special consideration and attention. The narcissist somehow never moves past the unique circumstance that requires you to put yourself aside and realize that what's happening for him is more special, more upsetting, or more wonderful. Eventually, you realize that you and your needs are on indefinite hold.

2. Your Sense of Wholeness and Self-Confidence When you know your own thoughts and are deeply in touch with your inner world, you gain a sense of inner wholeness and completeness that increases your sense of security. Your inner wholeness also gives you dignity and integrity, and anchors you whenever you face stress or discord. It also gives you confidence that your feelings have meaning and that your instinctual guidance can be trusted. 3. Your Capacity for Intimate Relationships with Others Emotional self-awareness allows you to share emotionally intimate relationships with others. The better you know yourself, the more compassionately you will feel toward other people. Real intimacy is a shared understanding of each other’s inner experiences. Otherwise, it’s just two people bouncing their needs and impulses off each other. Self-awareness also helps you select friends and partners who will support you and what you value in life.

Kekulé dreams the Great Serpent holding its own tail in its mouth, the dreaming Serpent which surrounds the World. But the meanness, the cynicism with which this dream is to be used. The Serpent that announces, "The World is a closed thing, cyclical, resonant, eternally-returning," is to be delivered into a system whose only aim is to violate the Cycle. Taking and not giving back, demanding that "productivity" and "earnings" keep on increasing with time, the System removing from the rest of the World these vast quantities of energy to keep its own tiny desperate fraction showing a profit: and not only most of humanity—most of the World, animal, vegetable, and mineral, is laid waste in the process. The System may or may not understand that it's only buying time. And that time is an artificial resource to begin with, of no value to anyone or anything but the System, which must sooner or later crash to its death, when its addiction to energy has become more than the rest of the World can supply, dragging with it innocent souls all along the chain of life. Living inside the System is like riding across the country in a bus driven by a maniac bent on suicide . . . though he's amiable enough, keeps cracking jokes back through the loudspeaker . . . on you roll, across a countryside whose light is forever changing--castles, heaps of rock, moons of different shapes and colors come and go. There are stops at odd hours of teh mornings, for reasons that are not announced: you get out to stretch in lime-lit courtyards where the old men sit around the table under enormous eucalyptus trees you can smell in the night, shuffling the ancient decks oily and worn, throwing down swords and cups and trumps major in the tremor of light while behind them the bus is idling, waiting--"passengers will now reclaim their seats" and much as you'd like to stay, right here, learn the game, find your old age around this quiet table, it's no use: he is waiting beside the door of the bus in his pressed uniform, Lord of the Night he is checking your tickets, your ID and travel papers, and it's the wands of enterprise that dominate tonight...as he nods you by, you catch a glimpse of his face, his insane, committed eyes, and you remember then, for a terrible few heartbeats, that of course it will end for you all in blood, in shock, without dignity--but there is meanwhile this trip to be on ... over your own seat, where there ought to be an advertising plaque, is instead a quote from Rilke: "Once, only once..." One of Their favorite slogans. No return, no salvation, no Cycle--that's not what They, nor Their brilliant employee Kekule, have taken the Serpent to mean.

Here are four more strategies to help you stack the deck in your favor when seeking a raise or a promotion: ✓ DO YOUR RESEARCH: Understand your market value and, more important, your value to the company. Be prepared to explain, candidly and concretely, what you feel you’re doing that you’re not being compensated for. Have confidence in your own worth. ✓ ASK TO BE PAID FOR THE JOB YOU’RE ACTUALLY DOING: If your responsibilities have increased but you haven’t been recognized since, say, you’ve taken over for the manager who left several months earlier, approach your new boss and say, “I’ve been effectively doing this person’s job since she departed and I’d like to formally assume her position.” Have a conversation. Express that you feel confident you can grow in this role and create value for the organization. ✓ PROVE YOUR WORTH: To earn an increase in salary, you need to be increasing your responsibilities and performing at a higher level than when you were hired. ✓ DON’T NEGOTIATE IF YOUR BOSS SAYS NO: Typically no means no when it comes to this type of discussion. If your boss says no, you have two choices: you either accept the rationale, think about it, and grow based on the feedback, or you leave. This is a good time to be reflective. Ask why you haven’t earned the increase. You may not walk away with a new title or more money, but hopefully you’ll learn something that will help you correct your course moving forward.

The Thirty-three Rules • Every negotiation is an agreement between two or more parties with all parties having the right to veto—the right to say “no.” • Your job is not to be liked. It is to be respected and effective. • Results are not valid goals. • Money has nothing to do with a valid mission and purpose. • Never, ever, spill your beans in the lobby—or anywhere else. • Never enter a negotiation—never make a phone call—without a valid agenda. • The only valid goals are those you can control: behavior and activity. • Mission and purpose must be set in the adversary’s world; our world must be secondary. • Spend maximum time on payside activity and minimum time on nonpayside activity. • You do not need it. You only want it. • No saving. You cannot save the adversary. • Only one person in a negotiation can feel okay. That person is the adversary. • All action—all decision—begins with vision. Without vision, there is no action. • Always show respect to the blocker. • All agreements must be clarified point by point and sealed three times (using 3+). • The clearer the picture of pain, the easier the decision-making process. • The value of the negotiation increases by multiples as time, energy, money, and emotion are spent. • No talking. • Let the adversary save face at all times. • The greatest presentation you will ever give is the one your adversary will never see. • A negotiation is only over when we want it to be over. • “No” is good, “yes” is bad, “maybe” is worse. • Absolutely no closing. • Dance with the tiger. • Our greatest strength is our greatest weakness (Emerson). • Paint the pain. • Mission and purpose drive everything. • Decisions are 100 percent emotional. • Interrogative-led questions drive vision. • Nurture. • No assumptions. No expectations. Only blank slate. • Who are the decision makers? Do you know all of them? • Pay forward.

How is money created? An example: You buy a house or take out a mortgage on the excess value of your property. You want 200,000 Dollars. The following happens. The bank’s computer adds these virtual numbers - because that is what they are - to your bank account, and then you have to bleed for the next 30 years, WITH INTEREST. The bank attached a fictional number to your name and for 30 years you need to work to pay the money back. The bank didn’t build your house, nor did it pay for the materials. That was done by people like you and me. They too have to pay, because they also have a mortgage. And when you die, your kids will have to pay taxes on your estate. Often, they have to take out a mortgage of their own to do so[74]. Another example of how banks create money out of nothing: You go to the bank to lend 1,000 Dollars. One year later, you have to pay 1,100 Dollars back, including interest. The additional 100 Dollars come from fellow citizens, for instance in the form of wages or profit sharing. In other words, the extra 100 Dollars come from society. This can only happen when the total amount of money in circulation increases. That increase – inflation – is created when the bank creates more money. In other words: “Interest payments are a direct way to create money.” All the money that exists comes from the bank. This remarkable phenomenon has been described as follows by Mr. Robert Hemphill, Credit Manager of the Federal Reserve Bank in Atlanta: “If all the bank loans were paid, there would not be a dollar in circulation. This is a staggering thought. We are completely dependent on the commercial banks. Someone has to borrow every dollar we have in circulation, cash, or credit. If the banks create ample synthetic money we are prosperous; if not, we starve. We are absolutely without a permanent money system. When one gets a complete grasp of the picture, the tragic absurdity of our hopeless situation is almost incredible - but there it is.”[75]

Now I’m not trying to sound big-headed or anything but my sensuality has benefited a lot of people in more ways than I can quantify. It has served people not only in romantic relationships but in businesses, organizations and professional lives as well. (People got big promotions at work and major business deals). This was brought to my attention recently by a very close friend of mine in a conversation we had while we were sitting in a coffee shop. She said, “Lebo, have you noticed how so many people who got close to you either through work or relationship have had major transformations in their personal lives within the shortest space of time, that includes myself?” I paused for a moment and remembered the same words being said by one ex of mine, another lady I helped on her project not so long ago echoed the same notion. To some of you this might seem like... c’mon Lebo, anything could have led to any of those transformations. To even associate it with my sensuality seems utterly absurd, it’s like I’m trying to bolster my significance, but I know better now. I know the value I’m bringing into people’s lives whether they acknowledge it or not. Our conversation also made me recall how I had been exploited by others who saw value in me which I, at the time, was still oblivious of. The thing about human beings is that, usually they won’t show you your true value from which they’re secretly benefiting because they know that once you wake up and start realizing it, you won’t supply it for free anymore. So after I had woken up to my true value I decided to start making my sensuality EXCLUSIVE. Now when you make your sensuality exclusive it automatically makes your company highly priced. Consequently, it makes you highly sought after BY PEOPLE WHO SEEK TRUE VALUE AND KNOW WHAT IT LOOKS LIKE. When you make your sensuality exclusive, it increases your value exponentially as well as your desirability, not to everyone, but only TO THE RIGHT PEOPLE. You become the catch. Now I’m saying this to show you the hidden power of the world of sensuality that most people aren’t aware of. Almost every successful luxury industry in the world essentially thrives on sensual principles whether they’re aware of it or not.

pine nuts and toss gently again. Green Bean, Tuna, and Mushroom “Casserole” One of my favorite things from my Midwestern upbringing is the green bean and mushroom casserole at Thanksgiving—probably the same one that was on your holiday table, thanks to the canned-mushroom-soup marketing campaign. This is my grown-up version of that casserole, which has all the comfort appeal of the childhood dish, but way better flavor and nutritional value. Make it with a one-to-one ratio of mushrooms to green beans, and have some fun with the beans, if you like—you can grill them, slice them thin and use raw, use pickled green beans, or use a mix of all of the above. » Serves 4 Kosher salt and freshly ground black pepper Extra-virgin olive oil 2 garlic cloves, smashed and peeled 1 pound wild mushrooms, wiped off and cut into bite-size pieces (about 6 cups) One 5-ounce can oil-packed tuna, drained 1 pound green beans, trimmed 1 cup heavy cream 1 teaspoon finely grated lemon zest 1 tablespoon fresh lemon juice ⅓ cup Dried Breadcrumbs Bring a large pot of water to a boil and add salt until it tastes like the sea. Meanwhile, add ¼ cup olive oil to a skillet that’s large enough to hold all the mushrooms and beans and still have some room to stir the ingredients. Add the garlic and cook slowly over medium heat to toast the garlic so it’s very soft, fragrant, and nicely golden brown—but not burnt—about 5 minutes. Scoop out the garlic and set it aside so it doesn’t burn. Increase the heat to medium-high and add the mushrooms. Season generously with pepper and salt and sauté, tossing frequently, until the mushrooms are nicely browned around the edges, 5 to 7 minutes. Add the tuna and toss to incorporate. Keep this warm until the green beans are ready. Add the beans to the boiling water and boil until they are just a bit beyond crisp-tender, 4 to 7 minutes. Drain them thoroughly in a colander and then add them to the mushrooms and tuna. Add the cream, toss all the ingredients to coat, and simmer until the cream has reduced to a nice cloaking consistency and all the flavors are nicely blended, 6 to 9 minutes. Add the lemon zest and lemon juice and toss. Taste and adjust with more salt, pepper, or lemon juice. When the flavors are delicious, pile into a serving bowl and top with the breadcrumbs.

Inflation is not caused by increasing the fiduciary circulation. It begins on the day when the purchaser is obliged to pay, for the same goods, a higher sum than that asked the day before. At that point, one must intervene. Even to Schacht, I had to begin by explaining this elementary truth: that the essential cause of the stability of our currency was to be sought for in our concentration camps. The currency remains stable when the speculators are put under lock and key. I also had to make Schacht understand that excess profits must be removed from economic circulation. I do not entertain the illusion that I can pay for everything out of my available funds. Simply, I've read a lot, and I've known how to profit by the experience of events in the past. Frederick the Great, already, had gradually withdrawn his devaluated thalers from circulation, and had thus re established the value of his currency. All these things are simple and natural. The only thing is, one mustn't let the Jew stick his nose in. The basis of Jewish commercial policy is to make matters incomprehensible for a normal brain. People go into ecstasies of confidence before the science of the great economists. Anyone who doesn't understand is taxed with ignorance! At bottom, the only object of all these notions is to throw everything into confusion. The very simple ideas that happen to be mine have nowadays penetrated into the flesh and blood of millions. Only the professors don't understand that the value of money depends on the goods behind that money. One day I received some workers in the great hall at Obersalzberg, to give them an informal lecture on money. The good chaps understood me very well, and rewarded me with a storm of applause. To give people money is solely a problem of making paper. The whole question is to know whether the workers are producing goods to match the paper that's made. If work does not increase, so that production remains at the same level, the extra money they get won't enable them to buy more things than they bought before with less money. Obviously, that theory couldn't have provided the material for a learned dissertation. For a distinguished economist, the thing is, no matter what you're talking about, to pour out ideas in complicated meanderings and to use terms of Sibylline incomprehensibility.

As I write this, I know there are countless mysteries about the future of business that we’ve yet to unravel. That’s a process that will never end. When it comes to customer success, however, I have achieved absolute clarity on four points. First, technology will never stop evolving. In the years to come, machine learning and artificial intelligence will probably make or break your business. Success will involve using these tools to understand your customers like never before so that you can deliver more intelligent, personalized experiences. The second point is this: We’ve never had a better set of tools to help meet every possible standard of success, whether it’s finding a better way to match investment opportunities with interested clients, or making customers feel thrilled about the experience of renovating their home. The third point is that customer success depends on every stakeholder. By that I mean employees who feel engaged and responsible and are growing their careers in an environment that allows them to do their best work—and this applies to all employees, from the interns to the CEO. The same goes for partners working to design and implement customer solutions, as well as our communities, which provide the schools, hospitals, parks, and other facilities to support us all. The fourth and most important point is this: The gap between what customers really want from businesses and what’s actually possible is vanishing rapidly. And that’s going to change everything. The future isn’t about learning to be better at doing what we already do, it’s about how far we can stretch the boundaries of our imagination. The ability to produce success stories that weren’t possible a few years ago, to help customers thrive in dramatic new ways—that is going to become a driver of growth for any successful company. I believe we’re entering a new age in which customers will increasingly expect miracles from you. If you don’t value putting the customer at the center of everything you do, then you are going to fall behind. Whether you make cars, solar panels, television programs, or anything else, untold opportunities exist. Every company should invest in helping its customers find new destinations, and in blazing new trails to reach them. To do so, we have to resist the urge to make quick, marginal improvements and spend more time listening deeply to what customers really want, even if they’re not fully aware of it yet. In the end, it’s a matter of accepting that your success is inextricably linked to theirs.

Gandhian nonviolence as interpreted in Næss: 1. The character of the means used in a group struggle determines the character of the results. 2. In a group struggle you can keep the goal-directed motivation and the ability to work effectively for the realization of the goal stronger than the destructive, violent tendencies, and the tendencies to passivity, despondency, or destruction, only by making a constructive program part of your campaign and by giving all phases of your struggle, as far as possible a positive character. 3. Short-term violence contradicts long-term universal reduction of violence. 4. You can give a struggle a constructive character only if you conceive of it and carry it out as a struggle in favour of living beings and certain values, thus eventually fighting antagonisms, not antagonists. 5. It increases your understanding of the conflict, of the participants, and of your own motivation, to live together with the participants, especially with those for whom you primarily fight. The most adequate form for living together is that of jointly doing constructive work. 6. If you live together with those for whom you primarily struggle and do constructive work with them, this will create a natural basis for trust and confidence in you. 7. All human (and non-human) beings have long-term interests in common. 8. Cooperation on common goals reduces the chance that the actions and attitudes of the participants in the conflict will become violent. 9. You invite violence from your opponent by humiliating or provoking him. 10. Thorough understanding of the relevant facts and factors increases the chance of a nonviolent realization of the goals of your campaign. 11. Incompleteness and distortion in your description of your case and the plans for your struggle reduce the chance of a nonviolent realization of your goals 12. Secrecy reduce the chance of a nonviolent realization of your goals. 13. You are less likely to take a violent attitude, the better you make clear to yourself the essential points in your cause and your struggle. 14. Your opponent is less likely to use violent means the better he understands your conduct and your case. 15. There is a strong disposition in every opponent such that wholehearted, intelligent, strong, and persistent appeal in favour of a good cause is able ultimately to convince him. 16. Mistrust stems from misjudgement, especially of the disposition of your opponent to answer trust with trust, mistrust with mistrust. 17. The tendency to misjudge and misunderstand your opponent and his case in an unfavourable direction increases his and your tendency to resort to violence. 18. You win conclusively when you turn your opponent into a believer and supporter of your case.

Dr. Sherman VanMeter has made a career of unpacking the densest areas of scientific endeavor in accessible—if not polite—terms. You’ve written books on everything from astrophysics to zoology. How are you able to achieve expertise in so many disparate fields? There’s a perception that scientific disciplines are separate countries, when in fact science is a universal passport. It’s about exploring and thinking critically, not memorization. A question mark, not a period. Can you give me an example? Sure. Kids learn about the solar system by memorizing the names of planets. That’s a period. It’s also scientifically useless, because names have no value. The question mark would be to say instead, “There are hundreds of thousands of sizable bodies orbiting the sun. Which ones are exceptional? What makes them so? Are there similarities? What do they reveal?” But how do you teach a child to grasp that complexity? You teach them to grasp the style of thinking. There are no answers, only questions that shape your understanding, and which in turn reveal more questions. Sounds more like mysticism than science. How do you draw the line? That’s where the critical thinking comes in. I can see how that applies to the categorization of solar objects. But what about more abstract questions? It works there too. Take love, for example. Artists would tell you that love is a mysterious force. Priests claim it’s a manifestation of the divine. Biochemists, on the other hand, will tell you that love is a feedback loop of dopamine, testosterone, phenylethylamine, norepinephrine, and feel-my-pee-pee. The difference is, we can show our work. So you’re not a romantic, then? We’re who we are as a species because of evolution. And at the essence, evolution is the steady production of increasingly efficient killing machines. Isn’t it more accurate to say “surviving machines”? The two go hand in hand. But the killing is the prime mover; without that, the surviving doesn’t come into play. Kind of a cold way to look at the world, isn’t it? No, it’s actually an optimistic one. There’s a quote I love from the anthropologist Robert Ardrey: “We were born of risen apes, not fallen angels, and the apes were armed killers besides. And so what shall we wonder at? Our murders and massacres and missiles, and our irreconcilable regiments? Or our treaties whatever they may be worth; our symphonies however seldom they may be played; our peaceful acres, however frequently they may be converted to battlefields; our dreams however rarely they may be accomplished. The miracle of man is not how far he has sunk but how magnificently he has risen.” You used that as the epigraph to your new book, God Is an Abnorm. But I noticed you left out the last line, “We are known among the stars by our poems, not our corpses.” Why? That’s where Ardrey’s poetic license gets the better of his science, which is a perilous mistake. We aren’t “known among the stars” at all. The sun isn’t pondering human nature, the galaxy isn’t sitting in judgment. The universe doesn’t care about us. We’ve evolved into what we are because humanity’s current model survived and previous iterations didn’t. Simple as that. Why is a little artistic enthusiasm a perilous mistake? Because artists are more dangerous than murderers. The most prolific serial killer might have dozens of victims, but poets can lay low entire generations.

Remember and Share - The Investment Phase is the fourth step in the Hook Model. - Unlike the Action Phase, which delivers immediate gratification, the Investment Phase is about the anticipation of rewards in the future. - Investments in a product create preference because of our tendency to overvalue our work, be consistent with past behaviors, and avoid cognitive dissonance. - Investment comes after the variable reward phase when users are primed to reciprocate. - Investments increase the likelihood of users returning by improving the service the more it is used. They enable the accrual of stored value in the form of content, data, followers, reputation or skill. - Investments increase the likelihood of users passing through the Hook again by loading the next trigger to start the cycle all over again.   *** Do This Now Refer to the answers you came up with in the last “Do This Now”  section to complete the following exercises: - Review your flow. What “bit of work” are your users doing to increase their likelihood of returning? - Brainstorm three ways to add small investments into your product to: - Load the next trigger - Store value as data, content, followers, reputation and skill - Identify how long it takes for a “loaded trigger” to re-engage your users. How can you reduce the delay to shorten cycle-time through the Hook?

You increase your productivity and creativity exponentially when you think about the right things at the right time and have the tools to capture your value-added thinking.

When you network you develop a list of resources that you can share with others. This increases your value to those prospects and clients you deal with.

Making the Right Decisions Now if any of you lacks wisdom, he should ask God, who gives to all generously and without criticizing, and it will be given to him. James 1:5 HCSB Some decisions are easy to make because the consequences of those decisions are small. When the person behind the counter asks, “Want fries with that?” the necessary response requires little thought because the aftermath of that decision is relatively unimportant. Some decisions, on the other hand, are big … very big. If you’re facing one of those big decisions, here are some things you can do: 1. Gather as much information as you can: don’t expect to get all the facts—that’s impossible—but get as many facts as you can in a reasonable amount of time. (Proverbs 24:3-4) 2. Don’t be too impulsive: If you have time to make a decision, use that time to make a good decision. (Proverbs 19:2) 3. Rely on the advice of trusted friends and mentors. Proverbs 1:5 makes it clear: “A wise man will hear and increase learning, and a man of understanding will attain wise counsel” (NKJV). 4. Pray for guidance. When you seek it, He will give it. (Luke 11:9) 5. Trust the quiet inner voice of your conscience: Treat your conscience as you would a trusted advisor. (Luke 17:21) 6. When the time for action arrives, act. Procrastination is the enemy of progress; don’t let it defeat you. (James 1:22). People who can never quite seem to make up their minds usually make themselves miserable. So when in doubt, be decisive. It’s the decent way to live. There may be no trumpet sound or loud applause when we make a right decision, just a calm sense of resolution and peace. Gloria Gaither The Reference Point for the Christian is the Bible. All values, judgments, and attitudes must be gauged in relationship to this Reference Point. Ruth Bell Graham The principle of making no decision without prayer keeps me from rushing in and committing myself before I consult God. Elizabeth George If you are struggling to make some difficult decisions right now that aren’t specifically addressed in the Bible, don’t make a choice based on what’s right for someone else. You are the Lord’s and He will make sure you do what’s right. Lisa Whelchel We cannot be led by our emotions and still be led by the Holy Spirit, so we have to make a choice. Joyce Meyer

It is important to give value and to be of value. Invest in those who invest in you. When you do, your worth to that person will increase as they realize that in giving, they will receive. Do not allow anyone to take you for granted. Guard your value as a person. Choose wisely where you invest your time, money, and, most importantly, love. Everyone wants to feel valued and appreciated.

Get to know the interface   Now that you have caught your very first Pokémon, you’re set to shape your own Pokémon future and catch them all. Back on the map, which will be the screen you visit the most, you can find various points of interest, including your character’s position. Your position on the map is updated with real-time movement in your actual surroundings. Around your character is a radius, indicated with a purple circle. You can interact with points of interest within this radius. Do note that you will only be able to interact and move around when you have an active internet connection and when the application has access to your location.   Around your character, you will see blue floating cubes: PokéStops, as well as colored buildings: gyms. We will be treating these more carefully later on in the book. On the bottom of your screen you will see three main buttons: left being your avatar, right being Pokémon that are nearby and the middle button functions as the menu.   When you tap your avatar button, you can see your character and character name, your level, your balance, a journal of your activities, your team and last but not least: your medals. Increasing your level is achieved by gaining XP, short for experience. There are various ways to gain experience, which we will cover later on in this book. In this chapter, we just want to familiarize ourselves with the interface. You can check the requirements of any achievement by simply tapping on either of them.   When you make it back to the map, we will check out the middle button next to familiarize ourselves with the main menu. There are four subdivisions in the main menu: the Pokédex, the Shop, your Pokémon and your Items. First up is the Pokédex, it contains all the Pokémon you can come across in the game numbered accordingly. Whenever you catch a Pokémon, it will be added to the Pokédex and you can check their traits by simply tapping that particular Pokémon within your Pokédex. You will be shown a brief description about the Pokémon, its possible evolutions (if applicable), the type and how many times you have encountered and caught such Pokémon.   In the Shop, you’re able to spend your Pokécoins, which is your balance or currency. Pokécoins can be acquired by maintaining one or multiple gyms, but can also be bought directly through the store for real life currency. In the Shop you can buy various items such as Poké Balls, incense, eggs, and many more items and upgrades.   The third category in the main menu shows your Pokémon. In the beginning you can carry up to 250 Pokémon and up to 9 eggs, which are also included in the Pokémon tab count. If you wish to exceed these values, you can purchase upgrades in the Shop to increase your capacity. Your Pokémon are listed with their CP, short for Combat Power and their current HP, short for Health Points. The higher a Pokémon’s combat power, the stronger this Pokémon is and the harder it would be to catch.

Step 1: Secure your basic needs: food, clothing and shelter. Step 2: Create a $1,000 emergency fund. Step 3: Pay off all debts as fast as possible, other than your home. Step 4: Increase your emergency fund until it reaches 6 to 10 months of your basic needs. Step 5: Begin saving 15 percent of your income for retirement. Step 6: If so desired, save for your child's college education. Step 7: Pay off your mortgage early. Step 8: Express your values with your money. Tactics That Bring Your Strategies to Life Live by a zero-balance budget, created at

Graham’s timeless lesson for the intelligent investor, as valid today as when he prescribed it in his first edition, is clear: “the real money in investment will have to be made—as most of it has been made in the past—not out of buying and selling but of owning and holding securities, receiving interest and dividends and increases in value.” His

Over your lifetime, your individual greenhouse gas contribution will only increase the temperature of the planet by about a half a billionth of a degree Celsius. That, you might think, is such a small difference as to be negligible, so you shouldn't bother trying to reduce your personal emissions. This reasoning, however, doesn't consider expected value. It's true that increasing the planet's temperature by half a billionth of a degree probably won't make a difference to anyone, but sometimes it will make a difference, and when it does, the difference will be very large. Occasionally , that increase of half a billionth of a degree will cause a flood or a heatwave that wouldn't have happened otherwise. In which case the expected harm of raising global temperatures by half a billionth of a degree would be fairly great. We know that something like this has to be the case because we know that, if millions of people emit greenhouse gases, the bad effects are very large, and millions of people emitting greenhouse gases is just the sum of millions of individual actions.

5 Thumb Rules to Follow for Outsourcing 3D Character. Outsourcing has become one of the basic requirements of the digital industry. Be it software, websites, architecture rendering or 3D character modelling, companies look forward to outsource these tasks to reliable names. Reason is simple. When it comes to value for money, 3D Art Outsourcing Service stands to be the most viable option as setting up in-house production often isn’t considered a wise ROI choice. But, this necessity has also given rise to possible frauds. There are countless companies waiting to gulp your money in the blink of an eye. There are many more who are ready to lure you with lucrative offers when it comes to 3D character modelling concept. Since not everyone is familiar with the technicalities of this field, companies can easily get trapped with fake promises of giving top notch services well within their reach, only to find out that the whole thing was neither worth their time nor money. However, all the sham can be avoided if companies follow the six thumb rules while Game outsourcing character modelling tasks to animation studios as these will lead them to the right names. 1) Take a Tour of the Website Although you will find expert comments on not to judge a company by its cover, there is no denying the fact that website plays a decisive role in company’s credibility, especially when it comes to art and animation studios. A studio that claims to offer you state-of-art results must first focus on its own. A clean, crisp website with appropriate content can actually say a lot about the studio’s work. A poor design and inappropriate content often indicate the following things: - Outdated and poorly maintained - Negligence towards its virtual presentation - Unprofessionalism - Poor marketing A sincere design and animation studio will indeed feature a vibrant website with all its details properly included. 2) Location Matters Location has a huge impact on hiring charges as it largely decides the price range one can expect. If you are looking forward to countries like India, you expect the range to be well within your budget chiefly because such countries have immense talent, but because of the increasing demand and competition in the field of outsourcing, hiring charges are relatively cheaper than countries like UK or USA. This means that once can get desired expertise without spending a fortune. 3) Know Your Team Inside Out Since you will be spending your hard earned money, you have every right to know the ins and outs of your team. Getting to know the team can assist you in your decision. Do your part of homework and be ready with your queries. Starting from their names to their works, check everything you can, and if need be, go for one-to-one conversation. This will not only help you to know them better, but will also give you an idea of their communication, their knowledge about their work and their sincerity. A dedicated one will always answer you up to the point while a confused one with fidget with words or beat around the bush. 4) Don’t Miss Out on the Portfolio While the website of a studio is its virtual representative, it’s the portfolio which speaks about its execution. Reputed names of 3D modelling and design companies house excellent projects ranging from simple to complex ones. A solid portfolio indicates: - commitment of the studio towards its projects - competency of its team - execution and precision - status of its expertise Apart from the portfolio, some animation studios even feature case studies and white papers in their websites which indicate their level of transparency. Make sure to go through all of them.

Suppose, for instance, you are in trade or a profession, and wish to increase your business; it will not do, when you sell goods or service to make the matter a merely perfunctory transaction, taking the customer’s money, giving him good value, and letting him go away feeling that you had no interest in the matter beyond giving him a fair deal and profiting thereby. Unless he feels that you have a personal interest in him and his needs, and that you are honestly desirous to increase his welfare, you have made a failure and are losing ground. When you can make every customer feel that you are really trying to advance his interests as well as your own, your business will grow. It is not necessary to give premiums, or heavier weights or better values than others give to accomplish this; it is done by putting life and interest into every transaction, however small.

When the demand for goods increases relative to the supply, there can be “demand-pull” inflation. When inputs to production such as labor and raw materials increase in price, there can be “cost-push” inflation. Finally, when the value of an importing country’s currency declines relative to that of an exporting country, the cost of the exporter’s goods can rise in the importing country.

Followers of Christ are the most widely persecuted religious group in the world.. the most fundamental freedom is the privilege of each person to explore truth about the divine and to live in light of his or her determinations..from the beginning God has given men and women the freedom to decide whether to worship him..God did not (and does not) remove human responsibility..the Bible indicates the importance of willful choice and personal invitation..the gospel message is fundamentally invitation, not coercion..no one can believe except willingly..faith must be free in order to be genuine..What our government calls this "right" is commonly known as the "freedom of worship," but this label can be somewhat misleading because the way it is often applied in our culture unnecessarily and unhelpfully limits the "free exercise" of religion to the private sphere..This is part of the "free exercise" of religion: the freedom of worship not just in episodic gatherings but in everyday life. And it is such "free exercise" that is subtly yet significantly being attacked in American culture today..you have a hard time conceiving how you can participate in a celebration of something that you are convinced God condemns..in your heart you can't avoid the conviction that such participation would dishonor God..while [she] is free to exalt he God in the church she attends, she is not free to express her beliefs in the business she owns..while we have certain obligations to our government, our ultimate obligation is to our God..Church history..contains other examples of shameful attempts to spread Christianity by force or military might..none of this was, or is, right..the search for religious truth is often supplanted by the idolization of supposed tolerance. The cardinal sin of our culture is to be found intolerant, yet what we mean by intolerant is ironically, well, intolerant..the very notion of tolerance necessitates disagreement..I don't tolerate you if you believe exactly what I believe..it would be wise and helpful for us to patiently consider where each of us is coming from and why we have arrived at our respective conclusions..we can then be free to contemplate how to treat one another with the greatest dignity in view of our differences..tolerance applies to people and beliefs in distinct ways..toleration of people requires that we treat one another with equal value, honoring each other's fundamental human freedom to express private faith in public forums..toleration of beliefs does not require that we accept every idea as equally valid, as if a belief is true, right or good simply because someone expresses it. In this way, tolerance of a person's value does not mean I must accept the person's views.."Hey, as long as someone believes something, that makes it right.." Either Jesus is or isn't the Son of God..I lament the many ways that Christians express differences in belief devoid of respect for the people with whom they speak. Likewise, I lament the many ways that Christians are labeled intolerant, narrow-minded, and outdated whenever they express biblical beliefs that have persisted throughout centuries..The more we become like Jesus in this world, the more we will experience what he experienced. Just as it was costly for him to counter culture, it will be costly for us to do the same..It's only when we stand up and counter the culture around them with the gospel of Jesus Christ that they will experience suffering..On the other hand, if they stay quiet, they can remain safe. But they know that in so doing, they will violate their consciences and disobey the commands Christ has given them to share grace and gospel truth with the people around them..in a country where even our own religious liberty is increasingly limited, our suffering brothers and sisters beckon us not to let the cost of following Christ in our culture silence our faith.

When you help your clients understand how much it is costing them to live without your products, the perceived value of those products increases.

One more thing. When you provide excellent value to your existing customers and they get results, they generally do the selling for you. This lets you work on ways to increase how often they purchase from you, and what they’re willing to pay.

The 5 Scientific Truths Behind Excellent Habits Truth #1: World-class willpower isn’t an inborn strength, but a skill developed through relentless practice. Getting up at dawn is perfect self-control training. Truth #2: Personal discipline is a muscle. The more you stretch it, the stronger it grows. Therefore, the samurais of self-regulation actively create conditions of hardship to build their natural power. Truth #3: Like other muscles, willpower weakens when tired. Recovery is, therefore, absolutely necessary for the expression of mastery. And to manage decision fatigue. Truth #4: Installing any great habit successfully follows a distinct four-part pattern for automation of the routine. Follow it explicitly for lasting results. Truth #5: Increasing self-control in one area of your life elevates self-control in all areas of your life. This is why joining The 5 AM Club is the game-changing habit that will lift everything else that you do. The 3 Values of Heroic Habit-Makers Value #1: Victory demands consistency and persistency. Value #2: Following through on what is started determines the size of the personal respect that will be generated. Value #3: The way you practice in private is precisely the way you’ll perform once you’re in public.

stock’s value at any given time depends on how much another buyer is willing to pay for a share of that company’s stock, and how much the seller is willing to accept. On one hand, if the outlook for the company is good or improving, buyers might be willing to pay more than you paid for your share of stock, and if you sold it at the higher price, you’d make a profit. On the other hand, if you had to sell at a time when the price of the stock was lower than you paid, you’d lose money. Investors who decide to hold their shares of stock, rather than sell them, expect to profit from the dividends the company pays them from time to time, and/or from the increase in the value of their stock shares as the company (they hope) grows and prospers.

Rebalancing may also improve your returns, since asset classes have had a tendency to revert to the mean (RTM) over time. By rebalancing, you’re selling a portion of your winning asset classes before they revert to the mean (drop in price) and you’re buying more of your underperforming asset classes when their prices are lower, before they revert to the mean (increase in value). So, you’re selling high and buying low. If you believe in RTM, rebalancing could increase your returns. Jack Bogle believes in RTM, and we do, too.

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.

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

3D Art Outsourcing & Game Art Design Companies By Game Art Outsourcing Studio A 3D game art outsourcing company can outsource the game art to extra game developers. Game art is separated into two categories which are 2D and 3D game art. In 2D art outsourcing, game developers outsource their 2D oriented design to the game artists. 2D game artist focus in produce the thought as well as the texture of the game. 3D game artist deliberate on fabricating the animation of games; which include models and 3D environment. It is also potential to get a game art company that has artists who focus in both 2D and 3D game art. Game 3D Art Outsourcing company give lots of reward to game developers. The major advantage is that game developers are able to delegate all their work to diverse companies so that the work get concluded in a very short length of time. This, therefore, make it feasible for a game developer to discharge a game in lesser phase of time. Time full in developing a game is very central since if the game take too long to be unconfined, technology worn in the game may quickly be out of manner. Hence, it is very significant for 3D Game Designer to outsource their gaming growth work to guarantee that all games are out in ideal occasion, i.e., while there is publicity in the market. 3D Game outsourcing company make it potential for a game developer to construct games of finest value. It is well-known by professional and while game developers rush with their work in arrange to try and cut the occasion really required in increasing a game, quality of the pastime is regrettably compromised. On the other pass, if they break down the labor into programming, art, level scheming and sound engineering, they can shun poverty of superiority. It is potential to outsource every work to the diverse team of game development company. By receiving in touch with encoding and Art Outsourcing Studio game designers, it is probable to get the best entity for each part of game conniving. When the labour is outsourced, every section will have adequate time to focus in their area and once everything has been mutual together, a superb game is shaped. As a game developer, it is very significant to outsource your Game Art Design Company frequently. This is because hiring diverse game art designers make your games exclusively diverse each time. This is incredibly significant if you want to market a game effectively because it must have amazing completely diverse to offer as compare to your previous games. For example, it should contain the upgrade of features that were liked by patrons who used last account. Doing that is very easy as you only require a long term game outsourcing company for your game art and design.

It is a state akin to sleep, but one in which you are still in control of the direction of attention. You must learn to induce this state at will, but experience has taught that it is more easily induced after a substantial meal, or when you wake in the morning feeling very loath to arise. Then you are naturally disposed to enter this state. The value of physical immobility shows itself in the accumulation of mental force which absolute stillness brings with it. It increases your power of concentration.

For the next two weeks, the world and all other issues would be omitted. We were two people alone in a hospital room. We allowed no visitors. We had two weeks of near-silence with each other and my increasing helplessness. I tended to tangle the IV and misplace the oxygen tube. As I started to say earlier, I could feel no sensible interest in the future. The moments became extraordinarily dimensionless - not without value but flat and a great deal emptier. When you learn you're fatally ill, time becomes very confusing, perhaps uninteresting, pedestrian. But my not caring if I lived or died hurt Ellen. And I was grateful that I could indulge my cowardice toward death in terms of living for her.

SELF-DISCLOSURE In order to begin to reveal to your new acquaintance who you really are, it is helpful to discuss topics that are important to you. Be willing, as the conversation progresses, to share your beliefs, values, attitudes, and goals. These reveal a deeper level of what you are about. Self-disclosure includes facts, thoughts, ideas, aspirations, and deepest feelings. The trick is timing. You don’t want to reveal the really intimate, personal aspects of your life until you have known a person for some time, but you can build trust by gradually revealing your interests, hopes, and background. Sufficient mutual trust must be established so that both parties are comfortable. Then, more intimate details can be shared. Levels Three Levels of Self-Disclosure There is a pattern of increased trust and intimacy. Becoming familiar with it may help you to develop a sense of timing when it comes to self-disclosure. 1. Cliché greetings: Responses to questions like “How are you?” and “How’s the family?” Your basic answer should be brief and as positive as possible. This tells the person that your attitude is open, friendly, and available for conversation. 2. Background of experiences: Your job, where you’re from, what you do for fun, activities you’re involved in. At this stage, people actually begin to know each other. 3. Opinions and preferences: Your attitudes, values, and concerns. Dont's Some Conversational Don’ts 1. Talking about illnesses in detail. 2. Stating your opinions in a way that puts down anyone who disagrees. 3. Gossiping or speaking badly of others. 4. Spending too much time talking about yourself. 5. Revealing all your personal problems. 6. Using terminology or jargon unfamiliar to others. 7. Dominating the conversation.

The value of good design is the increased possibility of success. We understand its importance in everyday objects like chairs, clothes, watches, coffee makers, and a good mattress. When it comes to websites, we tend to think of design as a surface layer applied at the end. In truth, that website’s design started long ago. It can be intentional or happenstance. For design to be truly great, you need to build it into your projects from conception. Because if you’re not doing it, you can bet your competitors are.

What’s the first thing you do now before you visit a new restaurant for the first time or book a hotel room online? You probably ask a friend for a recommendation or you check out the reviews online. Now more than ever, the story your customers tell about you is a big part of your story. Word of mouth is accelerated and amplified. Trust is built digitally beyond the village. Reputations are built and lost in a moment. Opinions are no longer only shared one to one; they are broadcasted one to many, through digital channels. Those opinions live on as clues to your story. The cleanliness of your hotel bathrooms is no longer a secret. Guests’ unedited photos are displayed alongside a hotel brochure’s digital glossies. TripAdvisor ratings are proudly displayed by hotels and often say more about the standards guests can expect than do other, more established star ratings systems, such as the Forbes Travel Guide‘s ratings. Once-invisible brands and family-run hotels have had their businesses turned around by the stories their customers tell about them. “With 50 million reviews and counting, [TripAdvisor] is shaking the travel industry to its core.” —Nathan Labenz It turns out that people are more likely to trust the stories other people tell about you than to trust the well-lit Photoshopped images in your brochure. Reputation is how your idea and brand story are spread. A survey conducted by Chadwick Martin Bailey found that six in ten cruise customers said “they were less likely to book a cruise that received only one star.” There is no marketing more powerful than what one person says to another to recommend your brand. “Don’t waste money on expensive razors.” “Nice hotel; shame about the customer service.” In a world where online reputation can increase a hotel’s occupancy and revenue, trust has become a marketing metric. “[R]eputation has a real-world value.” —Rachel Botsman When we were looking to book a quiet, off-the-beaten-track hotel in Bali, the first place we looked wasn’t with the travel agents or booking.com. I jumped online and found that one of the area’s best-rated hotels on tripadvisor.com wasn’t a five-star resort but a modest family-run, three-star hotel that was punching well above its weight. This little fifteen-room hotel had more than 400 very positive reviews and had won a TripAdvisor Travellers Choice award. The reviews from the previous guests sealed the deal. The little hotel in Ubud was perfect. The reviews didn’t lie, and of course the place was fully booked with a steady stream of guests who knew where to look before taking a chance on a hotel room. Just a few years before, this $50-a-night hotel would have been buried amongst a slew of well-marketed five-star resorts. Today, thanks to a currency of trust, even tiny brands can thrive by doing the right thing and giving their customers a great story to tell.

10. What realities are captured in the story of Lou Sanders and his daughter, Shelley, regarding home care for an aging and increasingly frail parent? What conflicts did Shelley face between her intentions and the practical needs of the family and herself? What does the book illustrate about the universal nature of this struggle in families around the globe? 11. A key concept that emerges from the author’s interviews is “home.” Much more than just the place where you go to bed at night, home evokes a set of values and freedoms for many as they face old age. As you consider the life you want lead in old age, what does home mean to you? 12. Reading about Bill Thomas’s Eden Alternative in Chapter 5, what came to mind when he outlined the Three Plagues of nursing home existence: boredom, loneliness, and helplessness? What do you think matters most when you envision eldercare? 13. What can be learned from the medical treatment choices that were made in the final days of Sara Monopoli’s life? 14. What are your feelings about hospice care? When is the appropriate time to introduce hospice in the treatment of those with life-threatening illness?

One telephone has essentially zero value, but when most of your friends also have a phone, then there is great value in the device. The networking effect is prevalent in many, many business situations. As Facebook gained in popularity, new users were more likely to choose it because that's where their friends tended to be. This creates a particularly powerful reinforcing feedback loop. With the value increasing, according to Metcalfe, as square of the number using it, the probability of the next person choosing it increases as the square.

When you buy a house or condo and rent it out, appreciation of the property rests solely on the appreciation of the surrounding neighborhood. You better have bought in the right neighborhood, because there is little you can do to increase the value of your property.

When you choose output value over time put in, you increase your available time and your value.

When asked “With respect to your job/career you would like to have, how important are the following to you?” The rating scale ranged from 1 (not important) to 7 (very important). Men exposed to young, attractive women rated “having a large income” to be 5.09, whereas men exposed to older, less attractive models rated it only 3.27—an astonishingly large effect. Similar differences occurred in rating the importance of “being financially successful.” A full 60 percent of the men exposed to young, attractive models described themselves as “ambitious,” compared to 9 percent of the men exposed to older, less-attractive models. Another study found that merely having a young woman in the same room caused men to increase the importance they attach to having material wealth (Roney, 2003). Similar effects have been found by others. Men “primed” with attractive images of women display more creativity, independence, and nonconformity, causing them to stand out from other men (Griskevicius, Cialdini, & Kenrick, 2006; Griskevicius, Goldstein, Mortensen, Cialdini, & Kenrick, 2006). Chinese men also increase risk taking when being observed by women (Shan et al., 2012). In short, when mating motives are “primed” by exposure to young, attractive women, a cascade of psychological shifts occurs in men such that they value and display precisely what women want and hence what men need to succeed in mate competition.

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

When you choose the higher value over the lower, the more difficult over the easy, the right over the wrong, you feel good about yourself. Your self-esteem increases. You like and respect yourself more. You have a greater sense of personal pride.

There is value to giving a child the experience that he can handle frustration, with your sympathy and support. When we demonstrate generosity of spirit by accepting feelings, we help our children become more resilient, and we increase their ability to deal with the inevitable bumps and detours in the road of life.

Identify Your Strengths With Strengths Finder 2.0 One tool that can help you remember your achievements is the ‘Strengths Finder’ "assessment. The father of Strengths Psychology, Donald O. Clifton, Ph.D, along with Tom Rath and a team of scientists at The Gallup Organization, created StrengthsFinder. You can take this assessment by purchasing the Strengths Finder 2.0 book. The value of SF 2.0 is that it helps you understand your unique strengths. Once you have this knowledge, you can review past activities and understand what these strengths enabled you to do. Here’s what I mean, in the paragraphs below, I’ve listed some of the strengths identified by my Strengths Finder assessment and accomplishments where these strengths were used. “You can see repercussions more clearly than others can.” In a prior role, I witnessed products being implemented in the sales system at breakneck speed. While quick implementation seemed good, I knew speed increased the likelihood of revenue impacting errors. I conducted an audit and uncovered a misconfigured product. While the customer had paid for the product, the revenue had never been recognized. As a result of my work, we were able to add another $7.2 million that went straight to the bottom line. “You automatically pinpoint trends, notice problems, or identify opportunities many people overlook.” At my former employer, leadership did not audit certain product manager decisions. On my own initiative, I instituted an auditing process. This led to the discovery that one product manager’s decisions cost the company more than $5M. “Because of your strengths, you can reconfigure factual information or data in ways that reveal trends, raise issues, identify opportunities, or offer solutions.” In a former position, product managers were responsible for driving revenue, yet there was no revenue reporting at the product level. After researching the issue, I found a report used to process monthly journal entries which when reconfigured, provided product managers with monthly product revenue. “You entertain ideas about the best ways to…increase productivity.” A few years back, I was trained by the former Operations Manager when I took on that role. After examining the tasks, I found I could reduce the time to perform the role by 66%. As a result, I was able to tell my Director I could take on some of the responsibilities of the two managers she had to let go. “You entertain ideas about the best ways to…solve a problem.” About twenty years ago I worked for a division where legacy systems were being replaced by a new company-wide ERP system. When I discovered no one had budgeted for training in my department, I took it upon myself to identify how to extract the data my department needed to perform its role, documented those learnings and that became the basis for a two day training class. “Sorting through lots of information rarely intimidates you. You welcome the abundance of information. Like a detective, you sort through it and identify key pieces of evidence. Following these leads, you bring the big picture into view.” I am listing these strengths to help you see the value of taking the Strengths Finder Assessment.

Offer A Treat. For confident kittens that like exploring in the car, make meal time car time. After he's calm in the car, feed some of his meals in the car for a week, or offer very high-value treats that kitty gets at no other time. If your cat is more motivated by play or catnip, indulge him with favorites during the car times. He should learn that only these good things in life happen when you're near or inside the car. Add the Crate. You should be combining the crate training with car visits. Once kitty accepts the car as his territory, place him in his carrier, set it on the back seat (away from air bag danger), and start the car. Then turn off the motor and take him out without going anywhere. Do this three or four times during the day until the cat takes it as a matter of course. Each time, you'll give him lots of play or other rewards once he's released from the crate. Start The Car. Finally, after you start the car, open the garage door (if that’s where your car is), and back the car to the end of the driveway and stop. Do this two or three times in a day, always letting the pet out after you return. If the pet cries or shows stress, you may be moving too fast for him. The garage door is noisy, after all, and the movement of the car feels odd. The process takes forever, but it works. Increase The Time. Continue increasing the car-time by increments:  a trip around the block and then home, then a trip down the street and back, and so on. Cat calming music CDs may also help during the trip. Make every car trip upbeat and positive so the experience makes the cat look forward to the next trip. Visit The Vet. As mentioned earlier, it’s ideal for your kitten to have visits to the vet that are FUN and result in playing, petting and treats, with no scary or unpleasant experiences. That prepares kitty for the times when a veterinary exam is necessary.

the carrier to elevate the benefit of hanging out in the carrier. Offer A Treat. Many cats respond well to treat rewards. To make the carrier an even better experience, try tossing a few inside for your kitten to discover. If he figures out that every now and then, going inside brings a bonus of yummies, your kitten will be more likely to explore and figure out the crate is a terrific place. Make sure that the treats you use for crate training are irresistible, and reserve them for this situation only. Once your cat has begun to visit the crate on his own, try offering an occasional high-value meal (like pungent canned food) but only when he’s inside. Teach Him Tolerance. After your kitten spends time willingly inside, try shutting the door briefly. Most kitties tolerate the door shut at least as long as they have something to munch. Praise the dickens out of him! He should know that staying calmly inside the crate earns him good things, maybe even a game of chase-the-red-dot. Repeat several times over the next few days, each time letting the kitten out after a few minutes. Extend Crate Time. By the end of the first week, you can begin increasing the time the kitten spends in the crate. Some cats feel calmer when inside the carrier if you cover it with a towel because this shuts out at least the visual cues that may raise stress. Scent the towel with the Feliway. Carry Kitty Around. Once your kitten feels comfortable in the carrier with the door shut, drop in a couple of treats and then pick up the carrier while he’s in it and carry him around. Give him another treat or play a favorite game as soon as you let him out.

StoryBrand Culture Honors the Story of Its Team Members When you leverage the StoryBrand Framework externally, for marketing, it transforms the customer value proposition. When you leverage it internally, for engagement, it transforms the employee value proposition. All engagement rises and falls on the employee value proposition. Increasing compensation is one way you might add value to employees, but that’s just the beginning. You can also raise value by improving the employee experience: advancement opportunities, recognition, meaningful work, camaraderie, and flexibility. All those things add value too.

Why Should You Buy Luxury AirPods Covers? These days, most people possess AirPods, but they often come with white Airpods Covers that seem boring. So, why not add some fun element to your favorite companion, who is always ready to lighten up your mood with the best music. Having designer covers not only enhances the look of your wireless Bluetooth earbuds but also makes them look classy and stylish at the same time. So, we must add fun and style to our tiniest tech accessory. So, let's look at some of the reasons that make purchasing AirPods covers a must for your tiniest tech companion: Ultimate Protection The first and foremost use of an AirPod cover is to protect them from scratches and dings. These cases are mostly white and shiny, which we hope to maintain till the very last, which is possible with the help of a cover for the AirPods. Most often, the original cases of the wireless Bluetooth earbuds get damaged due to friction when kept in our bags. So, the cases aid those situations and protect your companion from scratches and dings. Waterproof Most often, the AirPod covers are waterproof, which saves your case from water splashes when you accidentally drop your AirPods cases in water. These cases have charging ports that easily get damaged when contacting water. So, we must protect them from water by using waterproof Airpods covers. There are very much similar to the iPhone covers. Safety From Mixing Up Several people near us might have the same wireless Bluetooth earbuds, which increases the chances of mixing up the AirPods. So, in those cases, the covers come to the rescue as they help you distinguish your one from the others of your friends. These covers can also be customized with your initials or name to make them look more personalized. Loss Prevention In most cases, we lose our Airpods while traveling. However, this can be avoided with the help of the cover. In most cases, we all leave behind our AirPods which leads to a great loss. So, the cases come with attachable key rings that can be attached to the bag's hook or with the belt loop to keep it safe from being lost. What Is The Need For Luxury AirPods Covers? A luxury case for your pricey wireless Bluetooth earbuds helps you add value to the look of the Airpods and make them stand out among all the white covers available on the market. The luxury AirPods covers come in various options. They can be used as a statement necklace or as a monogram. Luxury covers can also be looped around a tote bag to keep them safe and also helps in enhancing the look of your bag. Some of the prominent brands offering luxurious Airpods Covers include Louis Vuitton, Fendi, Gucci, Dior, Bottega Veneta, Kate Spade, Tory Burch, Dolce, and Gabbana, Saint Laurent, Chanel, Burberry tartan, etc. These brands also manufacture luxury iPhone covers and Samsung Z Fold 3 Cover to help you enhance the look of your smartphones. These luxurious cases can be worn in multiple ways. Most often, the luxurious cases. They are convertible as well to help you use them at your convenience. Conclusion So, the next time you purchase pricey wireless Bluetooth earbuds, also plan to purchase a luxury Airpods cover for your tiniest tech companion to make it more stylish and luxurious. As the luxurious covers enhance the overlook look of your Airpods and help you keep them safe from any kind of scratches and dings. Do your research wisely and invest accordingly in a luxurious cover for the ultimate protection of your Airpods.

If you have economies of scale, penetration pricing often works best Would your business benefit from economies of scale? (Most web businesses do.) If so, your ideal pricing strategy may be penetration pricing—charging a low price, basing your financial model on eventually reaching market-dominating economies of scale. Supply-side economies of scale mean that your profit margins increase the more you sell, because as you sell more, your cost of sales (unit costs) usually becomes lower, and your fixed costs become a smaller fraction of your overall costs. Demand-side economies of scale mean that the more customers you get, the more value each customer gets from your service, for the following reasons. You may benefit from having a network of customers. For example, if a phone system had only two users, only one type of call could be made (one between User A and User B). If it had three users, then three types of call could be made (A–B, B–C and A-C). If it had twelve users, sixty-six different types of calls could be made. The overall value of a phone system to its users is roughly proportional to the square of the number of users. You may benefit from there being a market of complementary products and services. The project-management web app Basecamp has many integrations, which it promotes on its website. At the bottom of the page, Basecamp shows off how quickly it’s acquiring new users, to persuade other companies to add integrations. You may benefit from having a bigger knowledge base, more forums, or more trained users. The ecosystem of knowledge around a product can be valuable in itself. WordPress grows because it’s easy to find a WordPress developer and it’s easy for those developers to find answers to their questions. You may benefit from the perception that yours is the standard. Users are aware of the value of choosing the ultimate winner—especially when they have to invest time and resources into using your company—so they will be attracted by the perception that you’ll win.

Goals can make it possible to achieve worthwhile things, but goals can also increase the chances that we will escalate commitment when we should quit. Goals are pass-fail in nature. You either reach the finish line or you don’t, and progress along the way matters very little. Don’t just measure whether you hit the goal, ask what you have achieved and learned along the way. Set intermediate goals and prioritize goals that allow you to recognize progress along the way or acquire something valuable even if you don’t reach the goal. Goals, when set, are a proxy for an expected-value equation, balancing the benefits that you’re trying to gain against the costs you’re willing to bear. Inflexible goals aren’t a good fit for a flexible world. With better advance planning (like identifying monkeys and pedestals and kill criteria) and the help of a good quitting coach, you can make goals more flexible, setting at least one “unless” and planning regular check-ins on the analysis that initially led to setting the goal. In general, when we quit, we fear two things: that we’ve failed and that we’ve wasted our time, effort, or money. Waste is a forward-looking problem, not a backward-looking one.

I speak now of the mission the Elders of the council granted to you in the conference chamber. As you remember, your part in the coming task is twofold. In one phase of this you will accompany us to act with us in the great war that must be fought. We have developed a plan in which your help as an advance and secret agent is necessary. You will be told more about that later, when we have embarked. “Now, however, your other mission begins, here on Nor. It is the mission of love for your fellow men. No matter how successful we are in rescuing the men of Atlan, it cannot be that we will rescue all of them. Many must not be rescued! There is nothing we could do for them, poisoned as they are to the point of death. Nor must we allow any of this poison to escape to the dark worlds where it can infect others. Too, the dero influence is dangerous, and madness must not spread over the universe. “Thus, it has been given to you to inscribe on imperishable plates of telonion, our eternal metal, a message to future man which will be placed on and in Mu so that those who have the intelligence to find and read it may benefit by the truths of growth and defense against a too-soon death by age. “After the passing of Atlan science from Mu, men will begin to die at the same age, and their sons will all be the same size at the same age. This will be caused by accumulations of sun-poison in the water of Mu, which will stop all growth in mankind at almost the very beginning of their development. They will scarcely get beyond childhood before they will begin to die. “These plates you will inscribe will contain a message that is a key and a path to the door that will open life value to these future men, whose fate we know and pity, but cannot prevent. We can only teach them what we know that will enable them to get the most out of their life on Mu. The dero will not be able to read, and thus will die as they should. Those whose minds are powerful enough to escape complete dero-robotism will read and profit. “You can tell them how to attain this life growth by freeing their food and water intake of all the poisons that will be found in it in the natural state. The age poisons can be removed by centrifuge and by still; their air can be made a nutrient by proper treatment and freed of all its detrimental ions by field sweeps of electric. The exd on which the basic integration of life feeds can be concentrated (just as it was in your body in the growth school tank) in energy flows which greatly increase the rate of growth and the solidity and weight of the flesh. “Tell future man to do these things, Mutan Mion, and their reward will be great. You have seen what the reward of such effort can be—in thousands of years of life’s fullness—even on a planet under a detrimental sun. We cannot save those men yet unborn. We can only leave for them the heritage that is rightfully theirs, the heritage of our sciencon knowledge. And you, Mutan, in your infinite love and pity for your fellow men, shall perform this task with all the energy that your love makes possible!

In fact, anything that is of value in life only multiplies when it is given. That which doesn't multiply through giving is neither worth giving nor worth receiving. If, through the act of giving, you feel you have lost something, then the gift is not truly given and will not cause increase. If you give grudgingly, there is no energy behind that giving. It is the intention behind your giving and receiving that is the most important thing. The intention should always be to create happiness for the giver and receiver, because happiness is life-supporting and life-sustaining and therefore generates increase. The return is directly proportional to the giving when it is unconditional and from the heart.

But rather than responding by reducing the connection after these behaviors, I’d think about increasing the connection outside of these behaviors. Behavioral issues are often a call for attention or connection—if those needs are met, that cry for help is no longer necessary. This is why a bad behavior is rarely “fixed” in that behavior’s immediate aftermath. It takes ongoing connection to really move the needle, and kids in difficult behavioral cycles need more proactive attention, more one-on-one time, more assurance that they are seen and valued and have an identity outside of their acting out. Increased connection might mean scheduling ten minutes of distraction-free time every day (I call this Play No Phone, or PNP, Time—more on that in a bit) or a “Hey, want to grab some ice cream? We could use a special treat!” When you carve out time with your child, especially one who has a history of acting out, you’re telling them, “I see you as more than a bad kid.” And for the times they do engage in troublesome behavior? Take a deep breath, remind yourself that progress isn’t linear, and remember that when we connect with our kids after they act out, we don’t have to throw a party for them. You might say, “Sweetie, I know you’re having a hard time, and we will work on ways of telling your brother you’re mad while keeping your body safe. Now, I need to finish folding laundry. You can sit with me if you want. Let’s make sure you and I get some time together, just the two of us, later, okay? I love you.

Signal similarity. When familiarity is useful or fitting in is the goal, similar language can help. Paying more attention to how our colleagues are using words, for example, and adopting some of their mannerisms should help us thrive at the office. Drive difference. But similarity isn’t always good; there are also benefits to differentiation, particularly if you’re doing a job in which creativity, innovation, or stimulation is valued, standing out might be better. Plot the right progression. Further, when drafting presentations, writing stories, or crafting certain types of content, think about the progression of ideas. Start slowly to make sure the audience is on board before speeding up to increase excitement, particularly when entertainment is the goal. But if your goal is to inform, slowing down but covering more ground is the better way to go.

So your first step to exchanging properly no matter where you want to go is to figure out the best week you have access to by using the Travel Demand index and book that week one year in advance for the biggest size unit you can. Once you have that week you immediately call and deposit that or at least ten months in advance. That will give you your maximum trade value and get you just about anywhere you need to go in most time periods. Then he said the next hardest part to trading and the most frustrating for people is the fact that you will almost never get your request by calling up on the phone or going online and asking for what you want and expect to get it for when you want on that phone call or search. Nothing good is ever available right when you call and the likelihood of what you want when you want it to be available at the time you call in is highly unlikely. This is what most people do and that is the reason most people think they can never get the exchange they want. It is also the worst way to get an exchange especially since they usually don’t follow the first step which is the most important. He said if you only booked your week two to four months in advance for an off-season week you will never get what you want. The only way to get what you want, is to book that prime week and then when you want to go somewhere you will need to put in an Ongoing Search for the property or multiple locations that you want. While it is not ideal, as everyone would like to just call up and go where they want when they want, it doesn’t work like that. However, the search does have a high success rate, such as Interval International’s 97% confirmation rate on ongoing searches. The thing is most people just don’t like to wait. They want to know immediately. The thing that they don’t realize is that most of the time, it’s within two weeks of when you asked to receive a confirmation number for your stay. So, as long as you put in a good week to trade that has enough trading power to go where you want to go and then you put in an ongoing search, you have an exponentially larger chance of getting the week you want, where you want. Then you can increase your chances by doing the normal things like going off-season, picking multiple resorts or dates, and a few other factors that can get your trade faster. Since he had taught me these ways on how to trade and I started doing more research, I found out that it actually is in the Interval International and RCI magazines on how to do it properly. I just realized that I had never really read them or I read them, but didn’t understand what they meant and how much of an impact each one thing could have on each other.

Steps to changing your subjugation lifetrap 11. When you find a partner who cares about your needs, asks your opinions and values them, and who is strong enough to do 50 percent of the work, give the relationship a chance. If you find yourself in a good relationship with a partner who believes in equality, give the relationship a chance to work. Do this even though it feels strange to you. Subjugated people frequently give up too soon on good relationships, claiming they just are not interested, the relationship does not feel right, something is missing, or there is not enough chemistry. As long as you feel some chemistry – even a moderate amount – give the relationship a chance. As you become more accustomed to your new role, the chemistry might increase.

When you die, your basis is automatically increased to the value of the property on your date of death. This is called a basis step up.

WHAT EXACTLY ARE the benefits of Face Mask One of the most magical skincare concoctions available is the face epidermis mask. Deploying it even more than a every week basis is not hard and simple ways to obtain healthy and supple epidermis. In just a brief while of need, you will instantly feel softer and smoother epidermis. Face masks are suited to different epidermis types and years and that means you really can visit a whole lot of selections for your own epidermis. It’s a must-have item in your beauty strategy. So in addition to that, what exactly are the benefits associated with face mask? To start with, it refines your pores. Deploying it at least one time a week can help you get clearer epidermis with more enhanced pores. This skincare product also deeply cleanses your skin pores and can help you be rid of dead epidermis skin cells. Oftentimes, you will feel your skin layer pulsating when the facial skin mask cleanses your skin layer. Face masks can also increase your skin’s hydration. Things wedding ring true, especially on hydrating face masks. They generate moisture content and hydration that will deeply penetrate to your epidermis. That is why it instantly softens and enhances your skin’s elasticity. This nose and mouth mask is the foremost someone to apply if you have dehydrated epidermis. Together with the snooze, face masks help you achieve firmer epidermis. As you era, your skin will lose some of its drinking water and vitamins and your skin’s natural functions will also slow down. However, when you constantly apply a face mask, your skin’s natural functions will get back and your collagen creation is also improved. With this, your skin is strengthened and you have a firmer, tighter, and younger-looking epidermis. So choose good nose and mouth mask - one that will add value to your daily life. It’s a assured step to healthier and younger-looking epidermis!

The culmination of identifying, documenting, and having everyone follow the core processes of your business is your Way. When you have a clear Way, you immediately increase the value of your business, strengthen your control over it, and give yourself options.

The next time you go to the supermarket, look closely at a can of peas. Think about all the work that went into it—the farmers, truckers, and supermarket employees, the miners and metalworkers who made the can—and think how miraculous it is that you can buy this can for under a dollar. At every step of the way, competition among suppliers rewarded those whose innovations shaved a penny off the cost of getting that can to you. If God is commonly thought to have created the world and then arranged it for our benefit, then the free market (and its invisible hand) is a pretty good candidate for being a god. You can begin to understand why libertarians sometimes have a quasi-religious faith in free markets. Now let’s do the devil’s work and spread chaos throughout the marketplace. Suppose that one day all prices are removed from all products in the supermarket. All labels too, beyond a simple description of the contents, so you can’t compare products from different companies. You just take whatever you want, as much as you want, and you bring it up to the register. The checkout clerk scans in your food insurance card and helps you fill out your itemized claim. You pay a flat fee of $10 and go home with your groceries. A month later you get a bill informing you that your food insurance company will pay the supermarket for most of the remaining cost, but you’ll have to send in a check for an additional $15. It might sound like a bargain to get a cartload of food for $25, but you’re really paying your grocery bill every month when you fork over $2,000 for your food insurance premium. Under such a system, there is little incentive for anyone to find innovative ways to reduce the cost of food or increase its quality. The supermarkets get paid by the insurers, and the insurers get their premiums from you. The cost of food insurance begins to rise as supermarkets stock only the foods that net them the highest insurance payments, not the foods that deliver value to you. As the cost of food insurance rises, many people can no longer afford it. Liberals (motivated by Care) push for a new government program to buy food insurance for the poor and the elderly. But once the government becomes the major purchaser of food, then success in the supermarket and food insurance industries depends primarily on maximizing yield from government payouts. Before you know it, that can of peas costs the government $30, and all of us are paying 25 percent of our paychecks in taxes just to cover the cost of buying groceries for each other at hugely inflated costs. That, says Goldhill, is what we’ve done to ourselves. As long as consumers are spared from taking price into account—that is, as long as someone else is always paying for your choices—things will get worse.

This is backed up by science; when people are doing something meaningful, the brain releases dopamine. So if people want to increase their happiness and contentment levels, they should consider spending time on activities that are closely tied to their core values. Not only will this make them a more fulfilled individual, it'll also give their mind and soul a much needed boost!

Look, I’m not joking around. Smartphones are dangerous. Not because they may cause stress, anxiety, and even depression, but because they change your behavior. It seems like we can’t focus on one thing for more than 5 seconds. Why? Well, we can’t because our smartphone is constantly going off. Not because people are calling you (it seems like people are afraid of calling these days, but that’s another topic), but because you’re constantly getting notifications about THINGS THAT DON’T MATTER. Change Your Smartphone Behavior The same study I mentioned above also found something else: “Researchers asked participants to perform a concentration test under four different circumstances: with their smartphone in their pocket, at their desk, locked in a drawer and removed from the room completely.” The results are significant — test results were lowest when the smartphone was on the desk, but with every additional layer of distance between participants and their smartphones, test performance increased. Overall, test results were 26% higher when phones were removed from the room.” Sure, it’s just a study. And you don’t have to believe everything you read. But this is something I can personally attest. For the past two years, I’ve significantly changed my smartphone behavior. Namely: I have turned off ALL my notifications except messages and calls I’ve removed myself from all Whatsapp groups except for one with my closest friends I’ve removed all news apps (if something important happens, you’ll hear it from the people around you) I only consume music, paid journalism, articles from specific authors I follow, podcasts, YouTube videos (mostly to learn, but also for entertainment because I’m not a robot), books, and audiobooks on it For the rest, I use my phone to call, text, and to take notes, photos and videos Also, I’ve stopped immediately responding to notifications. That doesn’t mean I don’t value other people who try to reach me. It means that I refuse to be a slave to my phone. I control my phone. For most of us, it’s the other way around. In the past, Facebook, Instagram, Apple, Google, etc, all controlled my mind. Obviously, they still do because the only way to escape those idiots is to cut yourself off and run to the woods. That’s not realistic. I like my phone. But I don’t need it. The results have been great since I started using my smartphone in the above way. During the past two years, I got more things done than ever. And, I still have time to work out daily, hang out with my friends, have dinner with my family, and

While the discussions focus on how blockchain technology and cryptocurrencies can transform many industries. The cryptocurrency community is witnessing several hackers steal millions from blockchains, exchanges, and bridges. From the 2014 MT GOX hack to the recent Nomad Bridge attack, hackers are advancing along with the growth of blockchain technology and the cryptocurrency industry. Several million-dollar attacks have occurred, and hackers are becoming more ambitious and dangerous. In the past few days, Attacks have escalated, as well as the amount of funds stolen has increased too. Many individuals are in a panic as they have lost their savings, The attacks on the Solana wallets, Nomad bridge, and ZB exchange brought another riskier prospect of cryptocurrencies. There are many doubts surrounding the security of cryptocurrencies: how can these bridges be easy targets for hackers? how hackers can easily access other crypto wallets? Let's get into the detail of these three different types of attacks and how hackers make millions through them. Bridge attacks Blockchain bridges are applications that allow people to transfer digital assets between blockchains. Since cryptocurrencies are often isolated and unable to communicate with one another (for example, you cannot make a transaction on the Bitcoin blockchain using Dogecoins), "bridges" have emerged as an essential mechanism, if not a vital missing link, in the cryptocurrency economy. The bridge "locks" your cash on one side and dispenses the equal amount in so-called "wrapped" tokens on the other. To change one form of cryptocurrency into another, bridge services "wrap" the money. As a result, if you visit a bridge to use a different currency, such as Bitcoin (BTC), the bridge will dispense wrapped bitcoins (WBTC). It represents stored value in a flexible alternate format, similar to a gift card or a cheque. Bridges require a reserve of cryptocurrency currencies to back all of those wrapped coins, and hackers frequently target this reserve. Additionally, if a bridge becomes popular over time, it can have a lot of money (imagine hundreds of millions of dollars) tied up in its smart contracts. If those smart contracts contain security flaws, some or all of that money can be stolen. As former Ethereum co-founder Vitalik Buterin has pointed out, another issue with crypto bridges is that they are by design vulnerable to attacks on two sides. Nomad attack On July 29, Nomad, a bridge protocol for moving cryptocurrencies across multiple blockchains, lost about $200 million due to a security flaw. In the case of Nomad, it appears that a fault in its smart contract allowed someone to set up a cryptocurrency transaction such that they sent a few amounts of crypto on one side, but received a larger amount on the other, as multiple experts stated on Twitter. For example, you could transfer 0.1 Crypto on one side and receive 100 Crypto on the other. Things start to become intriguing at this point. Usually, when a security flaw like this is discovered, a skilled hacker or a small group can quickly drain out all the money. However, in the case of Nomad, once someone successfully stole some cash from the Nomad bridge, other people joined in and also grabbed some money. This is not the only bridge that has been compromised this year. The Ronin Bridge, which was used by the developers of the play-to-earn game Axie Infinity, was hacked earlier this year for approximately $625 million. The Harmony Bridge was also hacked for $100 million. Wallet Hacks

Seeing the Worm Instead of the Apple Another thought pattern that makes you keep your partner at a distance is “seeing the worm instead of the apple.” Carole had been with Bob for nine months and had been feeling increasingly unhappy. She felt Bob was the wrong guy for her, and gave a multitude of reasons: He wasn’t her intellectual equal, he lacked sophistication, he was too needy, and she didn’t like the way he dressed or interacted with people. Yet, at the same time, there was a tenderness about him that she’d never experienced with another man. He made her feel safe and accepted, he lavished gifts on her, and he had endless patience to deal with her silences, moods, and scorn. Still, Carole was adamant about her need to leave Bob. “It will never work,” she said time and again. Finally, she broke up with him. Months later she was surprised by just how difficult she was finding things without him. Lonely, depressed, and heartbroken, she mourned their lost relationship as the best she’d ever had. Carole’s experience is typical of people with an avoidant attachment style. They tend to see the glass half-empty instead of half-full when it comes to their partner. In fact, in one study, Mario Mikulincer, dean of the New School of Psychology at the Interdisciplinary Center in Israel and one of the leading researchers in the field of adult attachment, together with colleagues Victor Florian and Gilad Hirschberger, from the department of psychology at Bar-Ilan University in Israel, asked couples to recount their daily experiences in a diary. They found that people with an avoidant attachment style rated their partner less positively than did non-avoidants. What’s more, they found they did so even on days in which their accounts of their partners’ behavior indicated supportiveness, warmth, and caring. Dr. Mikulincer explains that this pattern of behavior is driven by avoidants’ generally dismissive attitude toward connectedness. When something occurs that contradicts this perspective—such as their spouse behaving in a genuinely caring and loving manner—they are prone to ignoring the behavior, or at least diminishing its value. When they were together, Carole used many deactivating strategies, tending to focus on Bob’s negative attributes. Although she was aware of her boyfriend’s strengths, she couldn’t keep her mind off what she perceived to be his countless flaws. Only after they broke up, and she no longer felt threatened by the high level of intimacy, did her defense strategies lift. She was then able to get in touch with the underlying feelings of attachment that were there all along and to accurately assess Bob’s pluses.

Your productivity level depends on your energy level and how effectively you can channel your energy toward activities that matter. Below are the different phases of the energy cycle: 1. Protect energy. Your energy is limited, and the best way to protect it is to increase the quality of your sleep, eat more healthily and exercise more regularly. When you fail to do so, your available energy decreases. 2. Channel energy. Energy that is not directed toward a specific purpose will dissipate and be of little value. Once that energy dissipates, you’ll never be able to get it back. Therefore, make sure the way you use your energy today helps you move closer to your ideal future life. To do so, you need a clear vision and a sound strategy. 3. Allocate energy. You don’t have enough energy to do everything at once. According to the 80/20 Principle, twenty percent of your activities will generate eighty percent of your results. Using this principle, make sure you focus on the tasks that absolutely matter. 4. Invest energy. Your energy must be invested otherwise it will be lost. Once you’ve identified your key tasks, put all your energy into them while eliminating any distractions. 5. Refill energy. Take breaks regularly so as to maintain good energy levels. 6. Restart the cycle. You can then restart the cycle all over again the following day. The point is, the more you can preserve energy and channel it toward the achievement of your most important goals, the more productive you’ll become.

No company, no matter how great, is immune to the potential doom loop of misaligned incentives and the wrong people in key seats on the bus. The doom loop begins when you get some of the wrong people on the bus who behave contrary to your company’s core values and degrade the culture. Some of these people then become powerful enough to install incentives that are misaligned with the core values. This reinforces the behavior of the wrong people and drives away the right people. The culture becomes increasingly dominated by the wrong people and increasingly inhospitable to the right people. More of the right people get off the bus, and the proportion of wrong people increases to a critical mass. And then one day, you wake up to the horrifying realization that the culture you’ve carefully cultivated has been destroyed.

In removing yourself temporarily from the situation, you reduce the supply of yourself. In basic economics, value is a function of supply and demand. When supply goes down, value goes up. A small delay so you can determine the best choice will likewise increase your value in any situation or relationship. But this is not really about getting something out of the situation, although it might have that effect. It is about allowing the necessary pause to notice what is actually happening and make decisions that come from a place of power in you, rather than rushing your decisions and making choices based on your preconditioning.

Goals can make it possible to achieve worthwhile things, but goals can also increase the chances that we will escalate commitment when we should quit. Goals are pass-fail in nature. You either reach the finish line or you don’t, and progress along the way matters very little. Don’t just measure whether you hit the goal, ask what you have achieved and learned along the way. Set intermediate goals and prioritize goals that allow you to recognize progress along the way or acquire something valuable even if you don’t reach the goal. Goals, when set, are a proxy for an expected-value equation, balancing the benefits that you’re trying to gain against the costs you’re willing to bear. Inflexible goals aren’t a good fit for a flexible world. With better advance planning (like identifying monkeys and pedestals and kill criteria) and the help of a good quitting coach, you can make goals more flexible, setting at least one “unless” and planning regular check-ins on the analysis that initially led to setting the goal. In general, when we quit, we fear two things: that we’ve failed and that we’ve wasted our time, effort, or money. Waste is a forward-looking problem, not a backward-looking one. ACKNOWLEDGMENTS

To explore how physical activity helps but doesn’t entirely prevent cardiovascular diseases, let’s return to the trinity of intertwined factors that are the root causes of the problem: high cholesterol, high blood pressure, and inflammation. Cholesterol. A cholesterol test usually measures the levels of three molecules in your blood. The first is low-density lipoprotein (LDL), often termed bad cholesterol. Your liver produces these balloon-like molecules to transport fats and cholesterol throughout your bloodstream, but some LDLs have a harmful tendency to burrow into the walls of arteries, especially when blood pressure is high. These intrusions cause an inflammatory reaction that generates plaques. The second type of cholesterol is high-density lipoprotein (HDL), sometimes called good cholesterol, because these molecules scavenge and return LDLs back to the liver. The third type are triglycerides, fat molecules that are floating freely in the bloodstream and a signpost for metabolic syndrome. To make a long story short, diets rich in sugar and saturated fats contribute to cardiovascular disease because they promote high levels of plaque-forming LDLs. Conversely, physical activity helps prevent cardiovascular disease by lowering triglycerides, raising HDL levels, and to a lesser degree lowering LDL. Blood pressure. A blood pressure test gives you two readings: the higher (systolic) number is the pressure your heart’s main chamber overcomes when it squeezes blood throughout your body; the lower (diastolic) number is the pressure your heart experiences as its main chamber fills with blood. By convention high blood pressure is a reading greater than 130/90 or 140/90. Blood pressures above these values are concerning because, unabated, they damage the walls of arteries, making them vulnerable to invasion by plaque-inducing LDLs. As we already saw, once plaques start to form, blood pressure can rise, potentially stimulating yet more plaques. Chronically high blood pressure also strains the heart, causing it to thicken abnormally and weaken. By forcing more blood to flow more rapidly through arteries, physical activity stimulates the generation of new arteries throughout the body and helps keep existing arteries supple, protecting against high blood pressure. Inflammation. Plaques don’t form out of the blue but instead occur when white blood cells in the bloodstream react to the inflammation caused by LDLs and high blood pressure. Chronic inflammation also increases one’s likelihood of developing plaques from high cholesterol and blood pressure.40 And, as we have previously seen, while inflammation is caused by factors such as obesity, junky diets, excess alcohol, and smoking, it is substantially lowered by physical activity.

prioritize around your values When facing decisions that impact your life, be especially mindful of your core values and what is important to you. Prioritizing based on your principles, as opposed to those of others, will allow you to make decisions more easily, based on what is in your best interest.

keep challenging company Seek out those individuals who value growth and enjoy being challenged themselves. They are more likely to be supportive and encouraging when you take on your own challenges. Naysayers and negative people, however, are likely to hold you back or keep you stagnant.

suffered greater wetland loss than watersheds with smaller surrounding populations. Most watersheds have suffered no or only very modest losses (less than 3 percent during the decade in question), and few watersheds have suffered more than a 4 percent loss. The distribution is thus heavily skewed toward watersheds with little wetland losses (that is, to the left) and is clearly not normally distributed.6 To increase normality, the variable is transformed by twice taking the square root, x.25. The transformed variable is then normally distributed: the Kolmogorov-Smirnov statistic is 0.82 (p = .51 > .05). The variable also appears visually normal for each of the population subgroups. There are four population groups, designed to ensure an adequate number of observations in each. Boxplot analysis of the transformed variable indicates four large and three small outliers (not shown). Examination suggests that these are plausible and representative values, which are therefore retained. Later, however, we will examine the effect of these seven observations on the robustness of statistical results. Descriptive analysis of the variables is shown in Table 13.1. Generally, large populations tend to have larger average wetland losses, but the standard deviations are large relative to (the difference between) these means, raising considerable question as to whether these differences are indeed statistically significant. Also, the untransformed variable shows that the mean wetland loss is less among watersheds with “Medium I” populations than in those with “Small” populations (1.77 versus 2.52). The transformed variable shows the opposite order (1.06 versus 0.97). Further investigation shows this to be the effect of the three small outliers and two large outliers on the calculation of the mean of the untransformed variable in the “Small” group. Variable transformation minimizes this effect. These outliers also increase the standard deviation of the “Small” group. Using ANOVA, we find that the transformed variable has unequal variances across the four groups (Levene’s statistic = 2.83, p = .41 < .05). Visual inspection, shown in Figure 13.2, indicates that differences are not substantial for observations within the group interquartile ranges, the areas indicated by the boxes. The differences seem mostly caused by observations located in the whiskers of the “Small” group, which include the five outliers mentioned earlier. (The other two outliers remain outliers and are shown.) For now, we conclude that no substantial differences in variances exist, but we later test the robustness of this conclusion with consideration of these observations (see Figure 13.2). Table 13.1 Variable Transformation We now proceed with the ANOVA analysis. First, Table 13.2 shows that the global F-test statistic is 2.91, p = .038 < .05. Thus, at least one pair of means is significantly different. (The term sum of squares is explained in note 1.) Getting Started Try ANOVA on some data of your choice. Second, which pairs are significantly different? We use the Bonferroni post-hoc test because relatively few comparisons are made (there are only four groups). The computer-generated results (not shown in Table 13.2) indicate that the only significant difference concerns the means of the “Small” and “Large” groups. This difference (1.26 - 0.97 = 0.29 [of transformed values]) is significant at the 5 percent level (p = .028). The Tukey and Scheffe tests lead to the same conclusion (respectively, p = .024 and .044). (It should be noted that post-hoc tests also exist for when equal variances are not assumed. In our example, these tests lead to the same result.7) This result is consistent with a visual reexamination of Figure 13.2, which shows that differences between group means are indeed small. The Tukey and

As illusions go, this one is pretty stubborn. When you’re obsessed with efficiency and productivity, it’s difficult to see the real value of education and care. Which is why so many politicians and taxpayers alike see only costs. They don’t realize that the richer a country becomes the more it should be spending on teachers and doctors. Instead of regarding these increases as a blessing, they’re viewed as a disease. Yet unless we prefer to run our schools and hospitals as if they were factories, we can be certain that, in the race against the machine, the costs of healthcare and education will only go up. At the same time, products like refrigerators and cars have become too cheap. To look solely at the price of a product is to ignore a large share of the costs. In fact, a British think tank estimated that for every pound earned by advertising executives, they destroy an equivalent of £7 in the form of stress, overconsumption, pollution, and debt; conversely, each pound paid to a trash collector creates an equivalent of £12 in terms of health and sustainability.

SECTION SUMMARY TO BE AN EFFECTIVE LEADER … Recognize that you have limited strengths. Do whatever it takes to discover what they are. Once you know, find a work environment that allows you to focus your energies on the few things you were created to do well. Don’t allow your time to get eaten up with responsibilities and projects that call for skills that fall outside your core competencies. That is a recipe for mediocrity. Embrace this truth: The less you do, the more you will accomplish. Narrow your focus to increase your productivity and expand your influence within your organization. Empower the leaders around you by delegating those responsibilities that fall outside your zone. Somebody is dying to pick up the ball you drop. Your weakness is his opportunity. Remember: Great leaders know when to follow. THE NEXT GENERATION CHALLENGE What defines success for you in your current employment situation? Is there alignment between your core competencies and those competencies necessary to succeed in your job? What would change about your current job description if you were given the freedom to focus on the two or three things you do best? What would need to change in your current employment situation in order for you to focus on the things that add the most value to your organization? Take some time to complete the exercises described on this page through this page.

People who choose their goals by copying other people’s goals, will never be happy. When you do so, you don’t have control over your life anymore.” However, setting goals that are specific to your values, your interests, and what you personally want from life helps you think independently and freely and allows you to be the person you want to be. You gain a strong sense of responsibility and ownership of your successes and failures.

Most of us have to make some trade-offs and compromises along the way, including some we may not like. If your Lifeview is that art is the only thing worth pursuing, and your Workview tells you that it’s critical to make enough money so your kids have everything they need, you are going to make a compromise in your Lifeview while your children are dependent and at home. But that will be okay, because it’s a conscious decision, which allows you to stay “on course” and coherent. Living coherently doesn’t mean everything is in perfect order all the time. It simply means you are living in alignment with your values and have not sacrificed your integrity along the way. When you have a good compass guiding you, you have the power to cut these kinds of deals with yourself. If you can see the connections between who you are, what you believe, and what you are doing, you will know when you are on course, when there is tension, when there might need to be some careful compromises, and when you are in need of a major course correction. Our experience with our students has shown that the ability to connect these three dots increases your sense of self, and that helps you create more meaning in your life and have greater satisfaction.

It does not matter if it is a painting, antique, limited-time offer, or even a toy, when something is valued and rare, demand always spikes. Because of this, scarcity is a driving force in economic decisions. Likewise, when you convey that your product, service, or company offers buyers something your competitors cannot, it will increase desire and boost the perception of value.

Having “extra” capital gives you a cushion for when outcomes do not in fact follow your plan. Moreover, it increases your optionality—if you need to invest in growth, you can do much more without having to go through the time-consuming process of raising another round. As Mariam Naficy, CEO of Minted, told me, “Act like you’ve got half the amount you have in the bank because you’ve got to factor in all the failures and all the optimizations that kill great entrepreneurs and businesses all the time. Both of us know so many people who had good ideas and were on the right track, but just ran out of money.” At both PayPal and LinkedIn, we raised large financing rounds right before a market meltdown (2000, 2008), and we sure were glad we did. In the case of PayPal, that money allowed us to keep growing during the dot-com bust; without it, we wouldn’t have made it to our IPO. In the case of LinkedIn, the situation wasn’t as dire, but I realized that the value of the optionality from additional funding far outweighed the potential negatives of equity dilution.

Many surveys have been done on email frequency with respondents regularly saying that one of the main reasons they unsubscribe from emails is that they get sent too many. The data, however, tells a different story. When Zarrella looked at unsubscribe rates and click rates for different frequencies of emails he found that: Unsubscribe rates were higher for less frequently emailed lists than frequently mailed ones (rates falling from 0.7% for lists emailed once a month to 0.15% for lists mailed daily) Click rates decreased very little as email frequency increased, going down from around 6% per email for lists mailed once or twice per month to 5% per email for those emailed daily. And since the rate is per email, the daily emails generated over 20 times as many clicks overall. Zarrella’s conclusion was that “sending more email is not the marketing taboo many of us had thought it to be. As long as you’re following the guidelines set forth in the rest of this chapter and sending targeted, personalized and value-packed emails, sending more of them is better”.

Madame Lorraine was a rich French woman who lived in an old mansion, which she inherited from her husband. The family had already had many possessions, however, they were ruined in the Revolution. For defending the monarchy, they lost their titles, lands and servants. Madame Lorraine's husband, the old Earl, died in the Reign of Terror, as did her children. The wife, however, had hidden the jewelry at the beginning of the revolution and had left in secret for Switzerland. After the restoration, she returned to France, but with few resources she had, she bought a house in Paris. She complained of loneliness and adopted a little orphan, named Juliette, who she used as a servant. When the girl complained about being overworked, as she had to take care of the entire house alone, her stepmother told her: “your complaints hurt me, you see, I lost everything and I only have you, your mother didn't want you, but I I adopted you and took care of you and you don’t even appreciate that.” The girl, then, victim of emotional blackmail, got used to serving, without complaining. The problem is that every day more and more was demanded – the girl never reached perfection, said Madame Lorraine: “look at the silverware, look at the floor, look at the walls, you will never be able to get married”. However, Madame Lorraine did not tell the girl that perfection is never achieved: it is just a resource to dominate the poor in spirit, who see in the light of their own craft a hope of transcendence. Another thing that Madame Lorraine had not taught the girl – even if the Revolution had taught humanity: that they were free. The girl then grew older and became an object of exploitation every day, her arms becoming weaker, her mind increasingly taken over by obedience. One day, the girl went to the market in the square, and hardly talked to anyone – Madame Lorraine told her that everyone wanted to abuse her and that she shouldn't trust anyone. That day, however, she was exhausted and stopped at a farmer's stand selling tomatoes and said to her: “young man, what's your name, I always see you running around here and you never talk to anyone”. She decided to talk to him: “I'm the old widow's daughter, she says that everyone wants to exploit me, that I shouldn't trust strangers”. The salesman, already aware of the girl's situation from the stories that were circulating in the village, said to her: “Isn't it just the opposite, girl, maybe you haven't learned a lie all your life and now you're trying harder and harder to keep this lie as if it were the truth – see, God made everyone free.” The girl then quickly returned to the house, but doubt had entered her heart and there she began to take root and grow. Until, one day, the old lady released the drop that would overflow her body and said to her: “Well, Juliette, you don't do anything right, look how my dresses are, you didn't sew them perfectly”. The girl then got up, looked the vixen in the eyes and said: “if it’s not good, do it yourself” and left. It is said that she married the farmer in the sale and, from that day on, she was the best wife in the world. Not because she did everything with great care, with an almost divine perfection, that she was modest or because she had freed herself from the shrew who exploited her, but simply because she recognized the value of freedom itself.