REGRETS OF THE DYING : Must read and act on it.


For many years I worked in palliative care. My patients were those who had gone home to die. Some incredibly special times were shared. I was with them for the last three to twelve weeks of their lives.

People grow a lot when they are faced with their own mortality. I learnt never to underestimate someone’s capacity for growth. Some changes were phenomenal. Each experienced a variety of emotions, as expected, denial, fear, anger, remorse, more denial and eventually acceptance. Every single patient found their peace before they departed though, every one of them.

When questioned about any regrets they had or anything they would do differently, common themes surfaced again and again. Here are the most common five:

1. I wish I’d had the courage to live a life true to myself, not the life others expected of me. 

This was the most common regret of all. When people realise that their life is almost over and look back clearly on it, it is easy to see how many dreams have gone unfulfilled. Most people had not honoured even a half of their dreams and had to die knowing that it was due to choices they had made, or not made.

It is very important to try and honour at least some of your dreams along the way. From the moment that you lose your health, it is too late. Health brings a freedom very few realise, until they no longer have it.

2. I wish I didn’t work so hard.

This came from every male patient that I nursed. They missed their children’s youth and their partner’s companionship. Women also spoke of this regret. But as most were from an older generation, many of the female patients had not been breadwinners. All of the men I nursed deeply regretted spending so much of their lives on the treadmill of a work existence.

By simplifying your lifestyle and making conscious choices along the way, it is possible to not need the income that you think you do. And by creating more space in your life, you become happier and more open to new opportunities, ones more suited to your new lifestyle.

3. I wish I’d had the courage to express my feelings.

Many people suppressed their feelings in order to keep peace with others. As a result, they settled for a mediocre existence and never became who they were truly capable of becoming. Many developed illnesses relating to the bitterness and resentment they carried as a result.

We cannot control the reactions of others. However, although people may initially react when you change the way you are by speaking honestly, in the end it raises the relationship to a whole new and healthier level. Either that or it releases the unhealthy relationship from your life. Either way, you win.

4. I wish I had stayed in touch with my friends.

Often they would not truly realise the full benefits of old friends until their dying weeks and it was not always possible to track them down. Many had become so caught up in their own lives that they had let golden friendships slip by over the years. There were many deep regrets about not giving friendships the time and effort that they deserved. Everyone misses their friends when they are dying.

It is common for anyone in a busy lifestyle to let friendships slip. But when you are faced with your approaching death, the physical details of life fall away. People do want to get their financial affairs in order if possible. But it is not money or status that holds the true importance for them. They want to get things in order more for the benefit of those they love. Usually though, they are too ill and weary to ever manage this task. It is all comes down to love and relationships in the end. That is all that remains in the final weeks, love and relationships.

5. I wish that I had let myself be happier.

This is a surprisingly common one. Many did not realise until the end that happiness is a choice. They had stayed stuck in old patterns and habits. The so-called ‘comfort’ of familiarity overflowed into their emotions, as well as their physical lives. Fear of change had them pretending to others, and to their selves, that they were content. When deep within, they longed to laugh properly and have silliness in their life again.

When you are on your deathbed, what others think of you is a long way from your mind. How wonderful to be able to let go and smile again, long before you are dying.

Life is a choice. It is YOUR life. Choose consciously, choose wisely, choose honestly. Choose happiness.



Based on this article, Bronnie has now released a full-length book, titled The Top Five Regrets of the Dying – A Life Transformed by the Dearly Departing. It is a memoir of her own life and how it was transformed by the regrets of dying people. It may be ordered through bookstores worldwide or from Balboa Press. It is also available via the link on this page. Details for wholesale orders may be found on Bronnie’s official website.

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few lessons life, I am the 7%

I am the “7%”
This is something we should all read at least once a week!!!!!
Make sure you read to the end!!!!!!
Written by Regina Brett, 90 years old, Cleveland, Ohio.
“To celebrate growing older, I once wrote few lessons life taught me. It is the most requested column I’ve ever written.

1. Life isn’t fair, but it’s still good.
2. When in doubt, just take the next small step.
3. Your job won’t take care of you when you are sick. Your friends and family will.
4. You don’t have to win every argument. Stay true to yourself.
5. Cry with someone. It’s more healing than crying alone.
6. It’s OK to get angry with God. He can take it.
7. Make peace with your past so it won’t mess up the present.
8. Don’t compare your life to others. You have no idea what their journey is all about.
9. Take a deep breath every now and then. It calms the mind.
10. Get rid of anything that isn’t useful. Clutter weighs you down in many ways.
11. Whatever doesn’t kill you really does make you stronger.
12. It’s never too late to be happy. But it’s all up to you and no one else.
13. When it comes to going after what you love in life, don’t take no for an answer.
14. Burn the candles, use the nice sheets, and wear the fancy clothes. Don’t save it for a special occasion. Today is special.
15. No one is in charge of your happiness but you.
16. Frame every so-called disaster with these words ‘In five years, will this matter?’
17. Always choose life.
18. Forgive others and yourself.
19. What other people think of you is none of your business.
20. Time heals almost everything. Give time a little time.
21. However good or bad a situation is, it will change.
22. Don’t take yourself so seriously. No one else does.
23. Believe in miracles.
24. God loves you because of who God is, not because of anything you did or didn’t do.
25. Don’t audit life. Show up and make the most of it now.
26. Growing old beats the alternative of dying young.
27. Your children get only one childhood.
28. All that truly matters in the end is that you loved.
29. Get outside every day. Miracles are waiting everywhere.
30. Envy is waste of time. Accept what you already have, not what you need.
31. The best is yet to come…
32. No matter how you feel, get up, dress up and show up.
33. Life isn’t tied with a bow, but it’s still a gift.”
It’s estimated that 93% won’t share this. If you are one of the 7% who will, share this with the title ‘7%’. I’m in the 7%.
Friends are the family and family is best friends that you choose.

Stop Thinking – Start Acting
A Story about Leadership

Young Shishya – Disciple was chatting with Guru Ji – Preacher, about his future career options.
“I think that I could be a great leader one day!” Shishya proudly announced.
“OK, well I think that I could be a Peacock one day,” responded Guru Ji.
Guru Ji often came out with seemingly unusual statements which frustrated and confused the Shishya.
“No jokes, I really think that I could be a leader one day but you could never be a Peacock” retorted Shishya.
“If you can think that you can be a leader, why can’t I think that I could be a Peacock?”
“Because you cannot transform yourself into a peacock. You either are or you are not,” responded Shishya.
“You are right my child and you cannot transform yourself into a leader, you just have to be one,” said Guru Ji with a smile.
Shishya thought for a few moment, then asked, “But I’m young, how can I be a leader?”
“Leaders are leaders, no matter how young or old they are or what their circumstances are. You can positively influence your peers to make better decisions, find a cause worth bringing attention to or work with others to find innovative solutions to challenging problems. Whatever you do, stop thinking about being a leader. Deploy your mind and body with hundred percent focus on objective. What you are seeking will seek you”!
There are a lot of people who thought they could be leaders, public speakers, writers or business owners.
To transform their day dream, they waited to be chosen.
And waited and waited and waited.
And when nothing happened, they couldn’t understand why.
This is why.
They thought that they could be something, but never took concerted action towards it.
So, whatever you want to be… just be. Act. Start building brick by brick and monument of your dreams will automatically materialize.

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Infosys founder NR Narayana Murthy: Making of a legend

Dated: 4th Sep, 2015 Economics times.

At the age of 27, NR Narayana Murthy took off on a year-long backpacking trip across Europe. He had just finished a three-year stint with an information technology (IT) company in Paris, working on a project for the French government, and he wanted to see a bit of the world before returning to India. “I knew I would I never be able to do it if I didn’t do it then,” he recalls. “Many of the people I met in France had done such trips. But I had to plan it more carefully since I needed a visa for every country I travelled to, as an Indian.”

Murthy had saved around 5,000 French Francs from the stipend he received in Paris, enough to ensure a comfortable trip around the continent, but he wanted to get into the spirit of things and travel on a budget, like a fresh college graduate: “I gave away 4,500 francs to Freres de Tiers Mondes, an organisation that helped projects in third world countries, and kept the rest for the trip. Most of the time, I hitchhiked. I was travelling alone, but I met some very interesting people on the way.”

This was the early 70s and there were certainly a lot of interesting people on the road in Europe. As a teenager in the 60s, Murthy had grown up on The Beatles, Mahesh Yogi and Woodstock, but now The Who, Queen and Pink Floyd ruled. Travelling through Italy, Germany, Austria, Germany, Hungary, Israel, Turkey, staying in dormitories, Murthy was witness to the sex and drugs culture that was part of the backpacking scene. “There were gays, lesbians, couples. or sex on that trip myself. I wanted some fun out of life, but I wasn’t crazy. I was 27 already, not a teenager,” says Murthy.

Be that as it may, the road trip certainly brings out the hallmarks of the founder of InfosysBSE -2.40 % Technologies. The first is courage, for few Indians even today would be prepared to plan a year long trip on 500 francs. The second is his liberal, very global mind set, which played no small role in the success of Infosys. The third is his indifference to money and the comforts it can buy. Lounging with his legs up on the table in the little conference room of Catamaran Ventures, which itself is located in a modest bungalow in Bangalore’s Jayanagar, Murthy, 71, explains it in terms that present day start-up entrepreneurs chasing high valuations can relate to: “I gave Nandan, Kris and Raghavan a 15 per cent stake each in Infosys, though they had only two years of experience then and were some eight levels below me. I gave Shibu, Dinesh and Ashok another 10 per cent each. Money has never been important to me.”

Leftist Leanings

This mind-set has much to do with Murthy’s upbringing in Mysore in the 50s and 60s. Mysore is a middle class town, where education and culture are of the essence. Murthy’s father, a high school teacher who retired as District Education Officer, liked to listen to Western classical music while he listened to The Beatles. “My father was a staunch Nehruvian and I was strongly leftist,” says Murthy. “At the dining table, he would talk optimistically about the progress the country was making under Nehru. The quality of politicians and bureaucrats was very high. The IITs and Institute of Medical Science were being built. We were all anti-US and pro-USSR because Russia had built a steel plant in India, while America had refused to help.”

Disenchantment with Nehru’s leadership eventually set in, when the then Prime Minister ignored complaints of corruption in Pratap Singh Kairon’s government in Punjab and then the Mundhra scandal, which led to the resignation of then Finance Minister TT Krishnamachari. “It was a violation of values, though it is nothing like what we see today. Those days you didn’t have so many violations of values, so it was a big thing,” says Murthy.

Still, Murthy held on to his leftist ideology till fairly late in life and it played a part in the decision to return to India after his France project in 1975, though there were ample opportunities in Europe for people with his skills . After graduating in 1967 with a degree in electrical engineering from National Institute of Engineering, Mysore, Murthy had briefly joined the Indian Institute of Science, Bangalore to do his masters but quit in a month (“the professors would just come in and dictate notes”) to join IIT-Kanpur, where did finish his masters, in 1969.

“There were a lot of job opportunities for engineers then,” recalls Murthy. “We were a batch of ten post-graduates from IIT-K and the going salary was Rs 1500 a month. But I joined IIMAhmedabad as chief systems officer at a salary of Rs 800. They were installing the first time-sharing system — a Hewlett Packard computer with 16 tele-printers interacting with a central processing unit using Basic programming language — and I found the work very interesting.”

It was at IIM-A that Murthy really came into his own, applying his intellect to solving real world problems using the latest in computer systems. These were also the best of times for the new B-school, with Vikram Sarabhai as its first chairman and Ravi Mathai as its first director. As the head of the institute’s computer centre, Murthy did some original work, which he presented at academic conferences. It was one such paper, presented at a conference in Italy, which bagged him the assignment in Paris.

Failed Entrepreneur

Returning to India, via Kabul, after his hitchhiking trip, Murthy joined a former colleague from IIMA who was in charge of a think tank in Pune. The job paid Rs 900 a month and involved using operations research techniques to solve problems for public sector enterprises. But the trip around Europe had changed Murthy’s thinking and he was less of a leftist than he was. He now wanted to be an entrepreneur, with a company that would work with private sector companies as his clients. “I came to realise the only way to solve the country’s problems was by creating jobs. What was required is equality of opportunity which is part of the capitalist model, not equality of outcomes, which was the communist ideal,” he says.

Murthy’s first venture, a consulting firm called Softronics, didn’t last very long. Indian companies, it turned out, were not yet ready for the heavy duty computer algorithms he had to offer. Murthy then took up his first corporate job at Patni Computers, where he stayed for five years, learning the ropes of software development business, this time with global companies as clients. Being a failed entrepreneur didn’t carry any weight those days and his starting salary at Patni only Rs 1,000 a month. But at that point, Murthy didn’t care. The Patni experience would prove invaluable in starting Infosys. “Ashok Patni, an IIT-Bombay graduate, was a fine boss. He had created a great incentive system based on performance and my salary increased quite rapidly,” he says.

Smelling the Roses

Pune was where Murthy met his to-be wife Sudha, then an engineer at Tata Motors, who was introduced to him by a friend from his IIM-A days. Was it love at first sight? “The relationship developed over a three year period,” says Murthy. “Every evening we would meet and go for long walks in Deccan Gymkhana. We had a favourite Chinese restaurant called Chun Fong and there was this place called Dakshin which served great fruit juices. Then I’d see her back to her hostel by 9 pm, and return to Kamla Niwas Lodge, where I was staying. I had a great group of friends there and we would stay awake till 2 am, talking about everything, over numerous cups of tea.”

How did he find time to socialise so much? “I was dealing with the government of India those days, so the pressure of work was not much,” says Murthy. “Now the environment has become competitive and people may not have the time. But if the environment doesn’t make that kind of demand on you, I think you would make time to be with friends, talk, socialise. People in government and academics still have that lifestyle.”

Winding Down

Murthy himself is cultivating a more relaxed lifestyle these days. The Catamaran Ventures office is very close to his home, and he’s there from 9 am till noon, after which he returns home for an afternoon siesta. Most of his time now is spent on work related to the various institutions he’s on the Boards of (including the Ford Foundation, UN Foundation and the Public Health Foundation of India). He reads more, as is evident from the book-lined walls of his office and Catamaran’s reception area (where there’s a large volume on The Beatles).

What does he think of today’s young start-up entrepreneurs? Is there more innovation today than before? “I’m a fan of young entrepreneurs,” says Murthy “They’re walking an untrodden path, bringing new ideas to the market. Every time new entrepreneurs emerge, the frontiers are extended. We extended the frontiers with our innovations, today’s young entrepreneurs are extending it further.”

Starting as a tech entrepreneur, Murthy has built a global organisation and emerged a leader not just of his own company but of India Inc. How did he do it? “I sought respect,” he says. “I said, right from the beginning, that we will seek respect from all our stakeholders. That was the foundation of everything.”

What are the management ideas that influenced him on the journey? “More than management ideas, I’ve set store in values: fairness, accountability, transparency. The rest then falls into pace. Take the issue of diversity, which is an important organisation issue today. I have practiced it since the 90s, when four of my direct reports were women – the head of quality, marketing, human resources and information systems. Fairness says you have to provide equal opportunity. Diversity flourishes in such an environment,” says Murthy.

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Meet Jim Chanos: The man who said China is in the midst of an unsustainable credit bubble

25th Aug, 2015 Economic Times Article.

In fall 2009, Jim Chanos began to ask questions about the Chinese economy. What sparked his curiosity was the realization that commodity producers had been largely unaffected by the financial crisis; indeed, they had recorded big profits even as other sectors found themselves reeling in the aftermath of the crisis.

When he looked into why, he discovered that the critical factor was China’s voracious appetite for commodities: The Chinese, who had largely sidestepped the financial crisis themselves, were buying 40 percent of all copper exports; 50 percent of the available iron ore; and eye-popping quantities of just about everything else. That insight soon led Chanos to make an audacious call: China was in the midst of an unsustainable credit bubble.

Perhaps you remember Jim Chanos. The founder of Kynikos Associates, a $3 billion hedge fund that specializes in short-selling, Chanos was the first person to figure out, some 15 years ago, that Enron was a house of cards.

He shorted Enron stock – meaning that he would profit if the stock fell, rather than rose – and shared his suspicions with others, including my friend Bethany McLean, who wrote a story for Fortune that marked the beginning of the end for Enron. That call not only made Chanos a small fortune; it also made him famous.

Chanos and his crew at Kynikos don’t make big “macro” bets on economies; their style is more “micro”: looking at the fundamentals of individual companies or sectors. And so it was with China. “I’ll never forget the day in 2009 when my real estate guy was giving me a presentation and he said that China had 5.6 billion square meters of real estate under development, half residential and half commercial,” Chanos told me the other day.

“I said, ‘You must mean 5.6 billion square feet.'”

The man replied that he hadn’t misspoken; it really was 5.6 billion square meters, which amounted to over 60 billion square feet.

For Chanos, that is when the light bulb went on. The fast-growing Chinese economy was being sustained not just by its export prowess, but by a property bubble propelled by mountains of debt, and encouraged by the government as part of an infrastructure spending strategy designed to keep the economy humming. (According to the McKinsey Global Institute, China’s debt load today is an unfathomable $28 trillion.)

Chanos soon went public with his thesis, giving interviews to CNBC and Charlie Rose, and making a speech at Oxford University. He told Rose that property speculation in China was rampant, and that because so much of the economy depended on construction – in most cases building properties that had no chance of generating enough income to pay down the debt – China was on “the treadmill to hell.”

He also pointed out that much of the construction was for high-end condos that cost more than $100,000, yet the average Chinese household made less than $10,000 a year.

Can you guess how the financial establishment, convinced that the Chinese juggernaut was unstoppable, reacted to Chanos’ contrarian thesis? It scoffed.

“I find it interesting that people who couldn’t spell China 10 years ago are now experts on China,” the well-known investor Jim Rogers told The New York Times. He added, “China is not in a bubble.”

The conventional view was that the Chinese economy would continue to grow at a rapid pace, and that Chinese officials, unencumbered by the messiness of democracy, could make quick adjustments if the economy started to slip.

As it turns out, China’s economy began to slow right around the time Chanos first made his call. No matter: Most China experts remained bullish. Chanos, meanwhile, was shorting the stocks of a number of companies that depended on the Chinese market. And he was regularly sending out emails when he came upon articles that seemed to confirm his thesis: stories about newly constructed ghost cities and troubled banks and debt-laden state-owned enterprises.

On Monday, with the markets in free-fall, it certainly looks like Chanos has been vindicated. China’s not the only reason the stock market has been so volatile, but it’s the most important one. China’s economy is faltering, its stock market is collapsing, and the ham-handed efforts by government officials to prop up both have mainly had the effect of disabusing anyone who still thinks they’re “omnipotent and omniscient,” as Chanos put it. This loss of confidence in China and its leaders has spooked stock markets around the world.

The moral of today’s story is a simple one. Listen to the skeptics and the contrarians. You dismiss them at your peril.

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Why world economy is crashing and why India should benefit from it by R Jagannathan Aug 25, 2015 11:19 IST

The crash-bang-thud heard from stock and currency markets the world over in recent days, including its massive echo in India’s Sensex, which tumbled 1,624 points on Monday, is further proof that the snake oil sold as remedy for a sputtering world economy after 2008 isn’t working.

After the sub-prime crisis in the US and the steep fall in markets following the Lehman Brothers bust, the world has tried to solve the problem by throwing more and more money at the problem – money printed and lent out at near zero interest rates almost all over the developed world.

The US, after seven years of grappling with the problem, is still making only intermittent noises about raising interest rates; if the markets continue to crash and the global economy slows down, it may yet chicken out; Europe is keeping near zero rates in the hope growth will revive even as Greece is trashing about for survival; Japan kept the money-printing presses working overtime for more than a decade, but has, under Shinzo Abe, gone back to the same trick of monetary expansion; China, with its export engine struggling, has been extremely unsuccessful in shifting its emphasis to domestic consumption-led growth.

Why isn’t the medicine working? And why are the markets crashing today? The answer is complex, but the following are the prime reasons for this failure by the world to cure itself after Lehman.

First, the purpose of making money cheap was to ensure the credit markets do not choke up and prevent a recovery. But in the absence of a more fundamental re-balancing of real economy incentives and the return of covert mercantilism among countries, it is the financial markets that fed themselves on zero-cost money. Put another way, the cheap money was used by companies and financial institutions not to lend to companies creating jobs, but to make money from money – which means financial investments like stocks and bonds.

More financial wealth has been created over the last seven years than probably in the previous seven – and this when the world isn’t growing too strongly. The Dow Jones Industrial Average hit a new all-time high of 18,312 this May, up from the November 2008 low of less than 7,450.

When there is so much money to be made from money, who in his right mind will put up factories and roads in the hope that they will yield a positive return? The sharp fall in the Dow over the last two sessions by nearly 1,600 points suggests that the smart money is trying to lock in its profits before it evaporates. In the process it is causing prices to over-correct. The same thing is happening with Indian stocks.

Second, while keeping money cheap after Lehman was the right short-term response, the obvious mistake western governments made was to let monetary policy do all the hard work, and letting fiscal policy hibernate. If you want to revive growth, you need people to invest and consume, not speculate. When the private sector was unwilling to invest and people in excessive personal debts were trying to bring leverage levels down, the logical thing for the US to do was to invest in infrastructure – which is what India is trying to do now – in order to correct what is called a balance-sheet recession.

By first world standards, US infrastructure sucks, and a half trillion dollars spent there would have done more to revive growth than spending the same in rescuing banks and no-hopers.

This is where doctrinaire approaches to what government should do or not do does not help. When economic confidence wanes, the only entity that can act is the government, which technically can spend even without having the money. The Right may not like it, and the Left will crow, but that isn’t the point. When nothing works, the government has to work.

The US government left the Fed to do the heavy lifting instead of chipping in with public investment boosters. The Tea Partyists and the Paul Krugmans and Occupy Wall Streeters got into a Left-Right argument which didn’t help.

The same mistake in happening in Europe, where the European Union is prescribing more austerity and more spending cuts as a way to revive growth. This can’t happen easily in any democracy. Growth and deficits are inversely related; when growth rises, the fiscal deficit falls as more tax revenues get generated; when growth falters, it is foolish to ask governments to cut spending even more to balance budgets.

This is the mistake P Chidambaram and his predecessor did, and this is the mistake Arun Jaitley is in danger of repeating if he does not take care. The trick is to get revenue spending down and boosting capital or plan spending. If the fiscal deficit grows or remains high only due to capital spending, it is money well spent.

Third, the global rebalancing that should have happened after Lehman – where the strong exporting countries exported less and consumed more, and the high importers exported more and consumed less – has not happened. Both Germany and China – the two main problem countries – are stuck in currencies that are artificially undervalued. Germany is the most competitive country in the Eurozone, and as long as the zone retains its common currency, the rest of the EU cannot correct the imbalance.

For Germany to import more, it has to get out of the Eurozone, or the weaker elements in the Eurozone have to exit and develop competitive currencies that reflect their true competitive abilities. In the case of China, its recent devaluation of the yuan shows that it is still in an export mindset. China should actually upvalue the yuan and allow more imports so that domestic consumption grows and helps the world. China and Germany have to change course to help the world.

Fourth, the failure of this economic rebalancing is leading this time to entire countries coming close to collapse. The PIIGS (Portugal, Ireland, Italy, Greece and Spain) and the oil sheikhdoms are under threat as Chinese demand collapses, reducing commodity prices all over. As a Deutsche Bank study noted some time back, Saudi Arabia needs oil prices at $99.2 to fiscally break even.

For Bahrain, Oman, Nigeria, Russia and Venezuela, the fiscal breakeven prices are $136, $101, $126, $100 and $162 respectively – prices that are unlikely to be attained in the next couple of years without a sharp drop in Opec and global output (or a sharp revival in global growth, both implausible for now).

An IMF report says that Iran, Iraq and Algeria need oil prices of over $100 a barrel to balance their budgets. So it is not only Greece, but entire other countries are threatened by the Chinese demand collapse. Little wonder, rogue elements like ISIS are stepping into the breach where countries are failing.

Fifth, the Chinese are unable to grapple with the new challenges that come with becoming the world’s second largest economy and key driver of demand. Two issues are paramount: one, there is huge financial repression, where Chinese savers are paid low returns and the cheap money raised from them has been invested uneconomically in unwanted infrastructure; and two, while financial repression helped fund investment-led growth over the last three decades, today it is constricting consumption – which is what China needs to boost internal growth.

Clearly, China has to do the opposite of what it is doing – cutting rates to boost growth. Instead it needs to raise lending rates so that overinvestment halts and consumption is given a boost. A China that consumes more (and invests less at home) will become the world’s growth engine once more.

Sixth, India must use the opportunity provided by China’s problems to get its own growth engines revving. It must do five things. One, use higher taxation of cheap oil to boost government revenues for public investment. This situation of ever-cheap oil won’t last forever. Two, recapitalise and privatise some banks so that the lending cycle can resume. Three, generate resources for growth by shifting more subsidies to cash (after LPG, kerosene, food and fertiliser are obvious candidates for huge savings by eliminating wastage and mis-targeting).

Four, get states to start moving on land and labour reforms, till the centre itself is able to act when its Rajya Sabha numbers are better. And five, consistently improve ease of doing business. There should be a permanent secretariat constantly liaising with business to eliminate the pain points.

And what about the stock market, and where it is heading? Rest easy. If the rest of the world is going down, India will remain an obvious magnet. If the rupee falls, FII selling becomes uneconomic and inflows attractive. The reason for the sharp market fall is simple: when markets decide to move in one direction, they do so quickly. Falls that used to take months when information was slow to travel from the real economy to the financial, now happen in days, if not hours.

Once the bottom is reached, the Sensex will start its upward momentum soon enough. Investors should sit tight, and start investing through systematic investment plans.

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20 Things I’ve Learned From Larry Page – James Altucher

Aug 11, 2015
I visited Google a few weeks ago and, after almost getting arrested, my mind was blown.

First, Claudia wandered into the garage where they were actually making or fixing the driverless cars. When they finally realized she was wandering around, security had to escort her out.

We got scared and we thought we were going to get in trouble or thrown out.

Then we met with a friend high up at Google and learned some of the things Google was working on.

Nothing was related to search. Everything was related to curing cancer (a bracelet that can make all the cancer cells in your body move towards the bracelet), automating everything (cars just one of those things), Wi-Fi everywhere (Project Loon) and solving other “billion person problems”.

A problem wasn’t considered worthy unless it could solve a problem for a billion people.

So now Alphabet is aligning itself towards this strategy: a holding company that owns and invests in other companies that can solve billion person problems.

It’s not divided up by money. It’s divided up by mission.

I want to do this in my personal life also.

Just analyzing Larry Page’s quotes from the past ten years is a guidebook for “billion person success” and for personal success.

Here are some of his quotes (in bold):

“If you’re changing the world, you’re working on important things. You’re excited to get up in the morning.”

To have well-being in life you need three things: A) a feeling of competence or growth. B) good emotional relationships. C) freedom of choice.

Being able to wake up excited in the morning is an outcome of well-being.

Feeling like every day you are working on a billion-person problem will give you those three aspects of well-being.

At the very least, when I wake up I try to remember to ask: Who can I help today?

Because I’m a superhero and this is my secret identity.

“Especially in technology, we need revolutionary change, not incremental change.”

Too often we get stuck in “good enough”. If you build a business that supports your family and maybe provides for retirement then that is “good enough”.

If you write a book that sells 1000 copies then that is “good enough.”

You ever wonder why planes have gotten slower since 1965? The Dreamliner 787 is actually slower than the 747.

That’s ok. It’s good enough to get people across the world and save on fuel costs.

It’s only the people who push past the “good enough syndrome” that we hear about: Elon Musk building a space ship. Larry Page indexing all knowledge. Elizabeth Holmes potentially diagnosing all diseases with a pin prick.

Isaac Asimov wrote classic science fiction like “The Foundation Series” but it wasn’t good enough for him. He ended up writing 500 more books, writing more books than anyone in history.

Larry Page keeps pushing so that every day he wakes up knowing he’s going to go past “good enough” that day.

What does your “good enough” day look like. What’s one thing that moves you past that?

“My job as a leader is to make sure everybody in the company has great opportunities, and that they feel they’re having a meaningful impact and are contributing to the good of society.”

Whenever I’ve managed companies and have had the small opportunity to be a leader I’ve judged my success on only one thing:

Does the employee at night go home and call his or her parents and say, “guess what I did today!”

I’m not sure this always worked. But I do think Larry Page lifts all his employees to try to be better versions of themselves, to try to surpass him, to try and change the world.

If each employee can say, “who did I help today” and have an answer, then that is a good leader.

Empowering others, empowers you.

“Lots of companies don’t succeed over time. What do they fundamentally do wrong? They usually miss the future.”

The stock market is near all time highs. And yet every company in the original Dow Jones market index (except for GE) has gone out of business.

Even US Steel, which built every building in the country for an entire century, has gone bankrupt.

Never let the practical get in the way of the possible.

It’s practical to focus on what you can do right now.

But give yourself time in your life to wonder what is possible and to make even the slightest moves in that direction.

We’re at maybe 1% of what is possible. Despite the faster change, we’re still moving slow relative to the opportunities we have. I think a lot of that is because of the negativity… Every story I read is Google vs someone else. That’s boring. We should be focusing on building the things that don’t exist.

Sometimes I want to give up on whatever I’m working on. I’m not working on major billion person problems.

And sometimes I think I write too much about the same thing. Every day I try to think, “What new thing can I write today” and I actually get depressed when I can’t think of something totally new.

But I am working on things that I think can help people. And if you are out side of people’s comfort zones, if you are breaking the normal rules of society, people will try to pull you down.

Larry Page didn’t want to be defined by Google for his entire life. He wants to be defined by what he hasn’t yet done. What he might even be afraid to do.

I wonder what my life would be like if I started doing all the things I was afraid to do. If I started defining my life by all the things I have yet to do.

“Many leaders of big organizations, I think, don’t believe that change is possible. But if you look at history, things do change, and if your business is static, you’re likely to have issues.”

Guess which company had the original patent that ultimately Larry Page derived his own patent (that created google) from?

Go ahead. Think a second. Guess.

An employee of this company created the patent and tried to get them to use it to catalog information on the web.

They refused.

So Robin Li, an employee of The Wall Street Journal, quit the newspaper of capitalism (who owned his patent), moved to China (a communist country), and created Baidu.

And Larry Page modified the patent, filed his own, and created Google.

And the Wall Street Journal got swallowed up by Rupert Murdoch and is dying a slow death.

“I think as technologists we should have some safe places where we can try out new things and figure out the effect on society.”

A friend of mine is writing a novel but is afraid to publish it. “Maybe it will be bad,” he told me.

Fortunately we live in a world where experimentation is easy. You can make a 30 page novel, publish it on Amazon for nothing, use an assumed name, and test to see if people like it.

Heck, I’ve done it. And it was fun.

Mac Lethal is a rapper who has gotten over 200 million views on his YouTube videos. Even Ellen had him on her show to demonstrate his skills.

I asked him, “do you get nervous if one of your videos gets less views than others?”

He told me valuable advice: “Nobody remembers your bad stuff. They only remember your good stuff.”

I live by that.

“If we were motivated by money, we would have sold the company a long time ago and ended up on a beach.”

Larry Page and Sergey Brin wanted to be academics. When they first patented Google, they tried to sell to Yahoo for $1 million (ONE MILLION DOLLARS).

When Yahoo laughed them out the door, they tried to sell to Excite for $750,000.

Excite laughed them out the door. Now an ex-employee of Google is the CEO of Yahoo. And the founder of Excite works at Google. Google dominates.

Money is a side effect of trying to help others. Trying to solve problems. Trying to move beyond the “good enough”.

So many people ask: “how do I get traffic?” That’s the wrong question.

If you ask every day, “How did I help people today?” then you will have more traffic and money than you could have imagined.

“Invention is not enough. Tesla invented the electric power we use, but he struggled to get it out to people. You have to combine both things: invention and innovation focus, plus the company that can commercialize things and get them to people.”

Everyone quotes the iconic story of Thomas Edison “failing” 10,000 times to get the electric lightbulb working.

I put failing in quotes because he was doing what any scientist does. He does many experiments until one works.

But what he did that was truly remarkable was convince New York City a few weeks later to light up their downtown using his lights.

The first time ever a city was lit up at night with electricity.

That’s innovation. That’s how the entire world got lit up.

“If you say you want to automate cars and save people’s lives, the skills you need for that aren’t taught in any particular discipline. I know – I was interested in working on automating cars when I was a Ph.D. student in 1995.”

Too often we get labeled by our degree and our job titles. Larry Page and Elon Musk were computer science majors. Now they build cars and space ships.

David Chang was a competitive golfer as a kid, majored in religious studies in college, and then had random gopher jobs in his 20s.

The gopher jobs all happened to be in restaurants so he became familiar with how the business was run.

Then he started probably the most popular restaurant in NYC, momofoku. A dozen or so restaurants later, he is one of the most successful restauranteurs in history.

Peter Thiel worked as a lawyer in one of the top law firms in NY. When he quit in order to become an entrepreneur, he told me that many of his colleagues came up to him and said, “I can’t believe you are escaping”.

Escaping the labels and titles and hopes that everyone else has for us is one of the first steps in Choosing Ourselves for the success we are meant to have.

We define our lives from our imagination and the things we create with our hands.

“It really matters whether people are working on generating clean energy or improving transportation or making the Internet work better and all those things. And small groups of people can have a really huge impact.”

What I love about this quote is that he combines big problems with small groups.

A small group of people created Google. Not Procter & Gamble. Or AT&T.

Even at Apple, when Steve Jobs wanted to create the Macintosh, he moved his small group to a separate building so they wouldn’t get bogged down in the big corporate bureaucracy that Apple was becoming.

Ultimately, they fired him for being too far from the corporate message.

Years later, when Apple was failing, they brought him back. What did he do? He cut most of the products and put people into small groups to solve big problems.

Before his death he revolutionized the movie industry, the computer industry, the music industry, TVs, and now even watches (watch sales have plummeted after the release of the Apple Watch).

All of this from a guy who finished one semester of studying calligraphy in college before dropping out.

Studying the history of Apple is like studying a microcosm of the history of how to create big ideas. Larry Page is recreating this with his new corporate structure.

“We don’t have as many managers as we should, but we would rather have too few than too many.”

The 20th century was the century of middle-class corporatism. It even became a “law” called “The Peter Principle” – everyone rises to their level of incompetence.

One of the problems society is having now is that the entire middle layer of management is being demoted, outsourced, replaced by technology, and fired.

This is not a bad or a good thing (although it’s scary). But it’s a return to the role of masters and apprentices without bureaucracy and paperwork in the middle.

It’s how things get done. When ideas go from the head into action with few barriers in the middle.

To be a successful employee, you have to align your interests with those of the company, come up with ideas that further help the customers, and have the mandate to act on those ideas, whether they work or not.

That’s why the employee who wrote much of the code inside the Google search engine, Craig Silverstein, is now a billionaire.

Where is he now? He’s an employee at online education company, The Khan Academy.

“If you ask an economist what’s driven economic growth, it’s been major advances in things that mattered – the mechanization of farming, mass manufacturing, things like that. The problem is, our society is not organized around doing that.”

Google is now making advances in driverless cars, delivery drones, and other methods of automation.

Everyone gets worried that this will cost jobs. But just look at history. Cars didn’t ruin the horse industry. Everyone simply adjusted.

TV didn’t replace books. Everything adjusted. The VCR didn’t shut down movies.

The Internet didn’t replace face to face communication (well, the jury is still out).

“What is the one sentence summary of how you change the world? Always work hard on something uncomfortably exciting!”

Not everyone wants to create a driverless car. Or clean energy. Or solve a billion person problem.

But I have a list of things that are uncomfortably exciting to me.

They are small, stupid things. Like I’d like to write a novel. Or perform standup comedy. Or maybe start another business based on my ideas for helping people.

Every day I wake up a tiny bit afraid. But I also try to push myself a little closer in those directions. I know then that’s how I learn and grow.

Sometimes I push forward. Sometimes I don’t. I want to get more comfortable with being uncomfortable.

“I do think there is an important artistic component in what we do. As a technology company I’ve tried to really stress that.”

Nobody knows what the definition of Art is.

How about: something that doesn’t exist except in the imagination, that you then bring out into the real world that has some mix of entertainment, enlightenment, and betterment.

I don’t know. Something like that.

Certainly the iPad is a work of art. And the iPad has created works of art. And when I first saw a driverless car I thought, “that’s beautiful”.

I’m going to try and put my fingerprint on something today. And maybe it will be art.

“The idea that everyone should slavishly work so they do something inefficiently so they keep their job – that just doesn’t make any sense to me. That can’t be the right answer.”

We’ve been hypnotized into thinking that the “normal life” is a “working life”.

If you don’t “go to work” then you must be sick or on the tiny bit of vacation allotted to you each year.

What if everything you did you can inject a little bit of leisure, a little bit of fun into it.

I have fun writing, except when I think I have to meet a deadline (work). I have fun making a business that people actually use except when I think about money too much (work).

When you are at the crossroads and your heart loves one path and doesn’t love the other, forget about which path has the money and the work, take the path you love.

“We want to build technology that everybody loves using, and that affects everyone. We want to create beautiful, intuitive services and technologies that are so incredibly useful that people use them twice a day. Like they use a toothbrush. There aren’t that many things people use twice a day.”

What a great idea for a list of the day!

What are ten things that can be invented that people would use twice a day?

“You need to invent things and you need to get them to people. You need to commercialize those inventions. Obviously, the best way we’ve come up with doing that is through companies.”

I was speaking to Naveen Jain, who made his billions on an early search engine, InfoSpace.

He just started a company to mine rare earth minerals on the Moon.

But his real goal is extra-planetary colonization.

Somehow we got around to the question of why have a company in the middle of that. He has billions. He can just go straight for the colonization part.

He said, “Every idea has to be sustainable. Profitability is proof that an idea is sustainable.”

“You may think using Google’s great, but I still think it’s terrible.”

K. Anders Ericsson made famous the “10,000 hour rule” popularized later by Malcom Gladwell.

The rule is: if you practice WITH INTENT for 10,000 hours then you will be world-class.

He then wondered why typists would often reach a certain speed level and then never improve no matter how many hours.

After doing research, its because they forgot the “With intent” part. They were satisfied with “good enough”.

You have to constantly come up with new metrics to measure yourself, to compete against yourself, to better the last plateau you reached.

Google is great. But it can be better. Having this mindset always forces you to push beyond the comfort zone.

Once they changed the way typists viewed their skills (by recreating the feeling of “beginner’s mind”) the typists continued to get faster.

“We have a mantra: don’t be evil, which is to do the best things we know how for our users, for our customers, for everyone. So I think if we were known for that, it would be a wonderful thing.”

Many people argue whether or not Google has succeeded at this. That’s not the point.

The point is: Values before Money.

A business is a group of people with a goal to solve a problem. Values might be: we want to solve a problem, we want the customer to be happy, we want employees to feel like they have upward mobility, etc.

Once you lose your values, you’ll lost the money as well. This why family-run businesses often die by the third generation (“Shirt sleeves to shirt sleeves in three generations).

The values of the founder got diluted through his descendants until the company failed.

I spoke to Dick Yuengling about this (CEO of the largest independent beer maker and a fifth generation business).

His family found an interesting way to solve the problem. The business is not inherited. Each generation has to BUY the business from the generation before it.

To do that, each generation needs its own values, its new way of doing things that keeps the brand fresh and ongoing.

“I think it is often easier to make progress on mega-ambitious dreams. Since no one else is crazy enough to do it, you have little competition. In fact, there are so few people this crazy that I feel like I know them all by first name.”

Our parents have our best interests at heart and tell us how to be good adults.

Our schools have our best interests.

Our friends, colleagues, sometimes our bosses, sometimes government, think they have our best interests.

But it’s only when everyone thinks you are crazy that you know you are going to create something that surprises everyone and really makes your own unique handprint on the world.

And because you went out of the comfort zone, you’re only competing against the few other people as crazy as you are.

“You know what it’s like to wake up in the middle of the night with a vivid dream? And you know that if you don’t have a pencil and pad by the bed, it will be completely gone by the next morning. Sometimes it’s important to wake up and stop dreaming. When a really great dream shows up, grab it.”

For every article I’ve ever written, there’s at least ten more I left behind in the middle of the night thinking I would remember in the morning.

I have to beat myself in the head. I . Will. Not. Remember….Must. Write. Down.

It’s hard to wake up. And that’s the only thing worth remembering. It’s hard to wake up.

“I have always believed that technology should do the hard work – discovery, organization, communication – so users can do what makes them happiest: living and loving, not messing with annoying computers! That means making our products work together seamlessly.”

This is a deep question – who are you? If you have a mechanical hand, is that “you”?

Conversely, if you lose a hand, did you lose a part of you. Are you no longer a complete person? The complete you?

If an implant is put into your brain to access Google, does that effect who you view your self to be?

When books were invented, memory suffered. We no longer had to remember as much, because we can look things up.

Does that make our brains less human?

I bet memory has suffered with the rise of Google. Does this mean our consciousness has suffered?

When we created fire, we outsourced part of our digestion to this new invention. Did this make our stomachs less human?

With technology taking care of the basic tasks of our brain and body, it allows us to achieve things we couldn’t previously dream possible.

It allows us to learn and explore and to create past the current comfort zone. It allows us to find the happiness, freedom, and well-being we deserve.

“Over time, our emerging high-usage products will likely generate significant new revenue streams for Google as well as for our partners, just as search does today.”

This is it. This is why Larry Page has re-oriented Google into Alphabet.

Don’t waste your most productive energies solving a problem that now only has incremental improvements.

Re-focus the best energies on solving harder and harder problems.

Always keeping the value of “how can I help a billion people” will keep Google from becoming a Borders bookstore (which went out of business after outsourcing all of their sales to Amazon).

How does this apply to the personal?

Instead of being a cog in the machine for some corporation, come up with ways to automate greater abundance.

Always understand that coming up with multiple ways to help people is ultimately the way to create the biggest impact.

Impact then creates health, friendship, competence, abundance, and freedom.

Oh my god, this answer is too long. And believe it or not, I cut it in half.

If I can just wake up every day and remind myself of these quotes by Larry Page I know I will have a better life.

But this is also why he created Alphabet and put Google underneath it.

To save the world. To save me.

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18 best ways to live your life without any regrets

Life is a waste if you haven’t really enjoyed living it. Like they say, it’s not the destination that matters, but the journey. Here are some life tips that will make this journey worth a lot more for you!

1. People will always have a lot to say about your life. They will always come up with free advice on how you should be living your life. Listen to everyone but do what you want anyway.

2. Don’t compare yourself with others. They’ve not been brought up the same way, they’ve not had the same experiences as you and so, they’re not the same people as you. Good, bad or ordinary—accept yourself for you who are and know you’re any other person in this world.

3. Make every day count. Forget about what you want to be doing 5 years down the line, live in the present. Stop worrying about tomorrow, start living today. Your life isn’t going to get exciting unless this very moment is!

4. Disappointment is what makes our lives miserable. We’re disappointed in ourselves, in people we know, in life, despite knowing that not everything will happen the way you want it to. Be more accepting towards people. Know that they have their own reasons for being the way they are. Just accept them the way they are. Don’t wait for them to change into someone you want them to be and be disappointed by the end of it.

5. Don’t be afraid to let go. Don’t cling on to things and people that you know, deep down, are not going to stay forever. Holding on to them will only make you weaker, and more insecure. People who have to leave will leave no matter how much you try to control them. And those who want to stay will find a way in no matter how much you shut them off.

6. Accept that you’re just a tiny part of this universe and that the world cannot run as you want it to. Stop trying to control people. Let them do what they want to. Live, and let live.

7. Always look for things that make you happy. People may think otherwise, but it is not selfish at all to keep your own happiness a priority. You will never be able to keep anyone else happy unless you’re happy yourself.

8. Be kind and generous. Help people when they need you. Just don’t let their troubles rub off on you. Don’t get so involved in someone else’s problem that it makes you lose your own mental peace.

9. Share your happiness. Celebrate. It simply makes the smallest moments count and reminds you of all that you have to look forward to in life.

10. Don’t complain. It never helps. The more you rant, the worse it makes you feel about your life. Either be the change you want to see in others, or accept the world the way it is.

11. Be open to what others have to say. Be open to changing your opinions and
perspectives about things in life. You’ll realize you disagree with most things simply because you’re too resistant to change. Being flexible in your opinion will make you realize there’s no absolute right or wrong in this world ­ just perspectives.

12. Take out time to do things you genuinely love. Don’t be so caught up in making a career that you lose out on your interests in life.

13. Every once in a while, disconnect with the world and connect with yourself. Sit silently and do nothing. Appreciate life in its calmness. Find beauty in the mundane.

14. Conquer your fears. Set yourself free. Explore all that you’ve been missing out on in life because of that one tiny fear. Go, face the waves!

15. We often seek others’ approval and appreciation all the time. But guess what, nobody can judge you better than yourself. Appreciate yourself. Reward yourself.

16. Stop trying to please everyone. You cannot. The only person you should be pleasing is you. It is high time you stop giving others so much importance in your life.

17. We’re all flawed; it is nothing to be ashamed of. But the world may keep reminding you of it time and again. And the best way to fight back is to learn how to laugh at yourself! The world loses the moment you begin to embrace your imperfections.

18. Spend money if it makes you happy. But spend it on experiences not materialistic pleasures. Instead of buying the latest iPhone, take an unforgettable trip with your best friends! It is moments like these that make the most priceless memories.

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25 super-successful people share their best career advice for 20-somethings

­ Warren Buffett: Exercise humility and restraint 
In a 2010 interview with Yahoo!, Berkshire Hathaway chairman and CEO Warren Buffett said
the best advice he ever received was from Berkshire Hathaway board of directors member
Thomas Murphy. He told Buffett: 
“Never forget Warren, you can tell a guy to go to hell tomorrow — you don’t give up the right.
So just keep your mouth shut today, and see if you feel the same way tomorrow.” 
During this year’s Berkshire Hathaway annual shareholders meeting, Buffett also told a curious
7th­grader that the key to making friends and getting along with coworkers is learning to change
your behavior as you mature by emulating those you admire and adopting the qualities they

­ Maya Angelou: Make your own path 
In her book “The Best Advice I Ever Got,” Katie Couric quotes author, poet, dancer, actress,
and singer Maya Angelou: 
My paternal grandmother, Mrs. Annie Henderson, gave me advice that I have used for 65
years. She said, ‘If the world puts you on a road you do not like, if you look ahead and do not
want that destination which is being offered and you look behind and you do not want to return
to you place of departure, step off the road. Build yourself a new path.’ 

­ Richard Branson: Never look back in regret; move on to the next thing 
Richard Branson’s mother taught him that. 
“The amount of time people waste dwelling on failures rather than putting that energy into
another project, always amazes me,” The Virgin Group founder and chairman told The Good
Entrepreneur. “I have fun running ALL the Virgin businesses — so a setback is never a bad
experience, just a learning curve.” 

­ J.K. Rowling: Embrace failure 
J.K. Rowling, author of the best­selling children’s book series “Harry Potter,” knows a lot about
achieving success — and failure. 
“I don’t think we talk about failure enough,” Rowling recently told Matt Lauer on NBC’s “Today”
show. “It would’ve really helped to have someone who had had a measure of success come
say to me, ‘You will fail. That’s inevitable. It’s what you do with it.'” 
Before Rowling became one of the wealthiest women in the world, she was a single mom living
off welfare in the UK. She began writing about her now­famous character, the young
wizard Harry Potter, in Edinburgh cafes, and received “loads” of rejections from book publishers
when she first sent out the manuscript, The Guardian reports. 
“An exceptionally short­lived marriage had imploded, and I was jobless, a lone parent, and as
poor as it is possible to be in modern Britain, without being homeless … By every usual
standard, I was the biggest failure I knew,” Rowling said during a 2008 Harvard University
commencement speech. She went on to say that she considered her early failure a “gift” that
was “painfully won,” since she gained valuable knowledge about herself and her relationships
through the adversity. 

­ Eric Schmidt: Say yes to more things 
In her book “The Best Advice I Ever Got,” Katie Couric quotes Google executive chairman Eric
Schmidt as advising: Find a way to say yes to things. Say yes to invitations to a new country,
say yes to meet new friends, say yes to learn something new. Yes is how you get your first job,
and your next job, and your spouse, and even your kids.” 

­ Marissa Mayer: Pick something and make it great 
In a 2011 interview with the Social Times, current Yahoo! president and CEO Marissa Mayer
revealed the best advice she ever received: My friend Andre said to me, ‘You know, Marissa,
you’re putting a lot of pressure on yourself to pick the right choice, and I’ve gotta be honest:
That’s not what I see here. I see a bunch of good choices, and there’s the one that you pick and
make great.’ I think that’s one of the best pieces of advice I’ve ever gotten. 

­ Steve Jobs: Don’t just follow your passion but something larger than yourself 
In a recent Business Insider article, Cal Newport, author of “So Good They Can’t Ignore You,”
referenced Steve Jobs biographer Walter Isaacson, who recalled an exchange he had with
Jobs shortly before he passed. Jobs reportedly told Isaacson: 
Yeah, we’re always talking about following your passion, but we’re all part of the flow of history
… you’ve got to put something back into the flow of history that’s going to help your community,
help other people … so that 20, 30, 40 years from now … people will say, this person didn’t just
have a passion, he cared about making something that other people could benefit from. 

­ Suze Orman: With success comes unhelpful criticism — ignore it 
In a LinkedIn article about the best advice she ever received, motivational speaker, author, and
CNBC host Suze Orman wrote that success has often made her a target of nasty criticism
“entirely disconnected from facts.” At first these attacks made her angry, but she eventually
learned to ignore them. 
“A wise teacher from India shared this insight: The elephant keeps walking as the dogs keep
barking,” she wrote. 
“The sad fact is that we all have to navigate our way around the dogs in our career: external
critics, competitors, horrible bosses, or colleagues who undermine. Based on my experience, I
would advise you to prepare for the yapping to increase along with your success.” 

­ Bill Gates: Keep things simple 
In a 2009 interview with CNBC, Microsoft cofounder and chairman Bill Gates admired Warren
Buffett’s ability to keep things simple. 
You look at his calendar, it’s pretty simple. You talk to him about a case where he thinks a
business is attractive, and he knows a few basic numbers and facts about it. And [if] it gets less
complicated, he feels like then it’s something he’ll choose to invest in. He picks the things that
he’s got a model of, a model that really is predictive and that’s going to continue to work over a
long­term period. And so his ability to boil things down, to just work on the things that really
count, to think through the basics — it’s so amazing that he can do that. It’s a special form of

­ Arianna Huffington: Don’t work too hard 
In a LinkedIn post last year, The Huffington Post president and editor­in­chief Arianna
Huffington revealed that she’s often asked if young people pursuing their dreams should burn
the candle at both ends? 
“This couldn’t be less true,” she writes. “And for far too long, we have been operating under a
collective delusion that burning out is the necessary price for achieving success.”
She says she wishes she could go back and tell her younger self, “Arianna, your performance
will actually improve if you can commit to not only working hard but also unplugging,
recharging, and renewing yourself.” 

­ Stewart Butterfield: Have an ‘experimental attitude’ 
Stewart Butterfield, the co­founder of Flickr and chief executive of Slack, one of the fastest­
growing business apps of all time, recently shared his best advice for young people with Adam
Bryant of The New York Times: 
“Some people will know exactly what they want to do at a very young age, but the odds are
low,” he said. “I feel like people in their early­ to mid­20s are very earnest. They’re very serious,
and they want to feel like they’ve accomplished a lot at a very young age rather than just trying
to figure stuff out. So I try to push them toward a more experimental attitude.” 

­ George Stephanopoulos: Relax 
“Almost nothing you’re worried about today will define your tomorrow,” “Good Morning America”
co­anchor George Stephanopoulos told personal finance website NerdWallet. 
“Down the road, don’t be afraid to take a pay cut to follow your passion. But do stash a few
bucks in a 401(k) now.” 

­ Marla Malcolm Beck: Remember that you won’t end up where you start 
Marla Malcolm Beck, CEO of Bluemercury, said in an interview with Adam Bryant of The New
York Times that she always reminds students that “nobody ends up in the first job they choose
out of college, so just find something that is interesting to you, because you tend to excel at
things you’re interested in. But just go do it. You have nothing to lose.” 
Her other piece of advice: Go into tech. “If you look at all the skill sets companies need, they
involve a comfort level with technology,” she told Bryant. 

­ T.J. Miller: Work harder than anyone else around you 
T.J. Miller, comedian star of HBO’s “Silicon Valley,” told personal finance website NerdWallet
this is truly the formula to success. “It worked for me and I have mediocre talent and a horse

­ Alexa von Tobel: Get up, dress up, show up 
What Alexa von Tobel, founder and CEO of LearnVest and the author of New York Times
bestseller “Financially Fearless,” means is that it’s important to wake up excited for what’s
coming, dress the part, and always show up ready to go. 
“As a new hire, you will likely find yourself in tons of new situations, and it’s up to you to figure
out how to navigate them,” she wrote in an article for Business Insider. 
“Remember that your manager is strapped for time, so know when to ask questions. Are you
unsure of the objectives for an assignment? Asking her to clarify is crucial, since it’s pretty hard
to make the mark if you don’t know where it even lies. 
“On the flip side, avoid bombarding your manager with petty questions that could be answered
by your peers or a quick Google search.” 

­ Mark Bartels: Map out a timeline for yourself when you start a new job 
“We talk about budgets; we talk about planning your finances; but what a lot of people don’t do
is plan out the next 12 to 18 or 24 months of their careers,” StumbleUpon CEO Mark Bartels
tells Business Insider. 
He says that lack of planning can be costly, both professionally and existentially, while having
an agenda provides a metric for evaluating your success. 

­ Hermione Way: Start your own business 
“There has never been an easier time to start a business,” Hermione Way, founder of
WayMedia and star of Bravo’s “Start­Ups: Silicon Valley,” told personal finance website
“There are so many free online tools. Just start, and if you fail you can always go and get a
normal job, but you will learn so much along the way it will be a great experience.” 

­ John Chen: Being a ‘superstar’ can hurt your career 
“Most employees think that the best way to show value to their boss and get promoted is to
aggressively claim credit and ownership over everything they do,” BlackBerry CEO John Chen
wrote in a LinkedIn post earlier this year. 
“While it’s important to be recognized for what you do and the value you add, grabbing the glory
is going to turn off your coworkers.” It can also turn off your boss, he warns. 
“Trying too hard to show you’re a superstar tells me that you only care about what’s best for
you, and not the company as a whole.”
­ Salli Setta: Never eat lunch alone 
Red Lobster president Salli Setta tells Business Insider it’s important to get out from behind
your screen at lunchtime because lunch is a prime networking opportunity. 
The benefit of always having lunch plans with someone are two­fold: you can get information
that will help you “think about your job differently,” and you also get on your companion’s radar. 
“It isn’t about saying ‘hi, what are we going to talk about, let’s talk about sports'” Setta says. “It’s
about identifying the object of this lunch in your mind” and going in armed with “a couple of
things that you want to ask, and a couple of things you want to share.” 

Deepak Chopra: Embrace the wisdom of uncertainty 
In a LinkedIn post last year, Deepak Chopra, popular author and founder of The Chopra
Foundation said he wished he embraced the wisdom of uncertainty at a younger age. 
“At the outset of my medical career, I had the security of knowing exactly where I was headed,”
he wrote. “Yet what I didn’t count on was the uncertainty of life, and what uncertainty can do to
a person.” 
“If only I knew then, as I know now, that there is wisdom in uncertainty — it opens a door to the
unknown, and only from the unknown can life be renewed constantly,” he wrote. 

­ Cynthia Tidwell: Be patient enough to learn, but impatient enough to take risks 
Cynthia Tidwell, CEO of insurance company Royal Neighbors of America, told Business Insider
her favorite piece of advice for young people is be patient enough to learn, but impatient
enough to take risks. “I encourage taking risks,” she said. “What is the worst thing that can
happen? You can go back and do what you were doing before.” 

­ Brian Chesky: Don’t listen to your parents 
Brian Chesky, CEO of Airbnb, said in an interview with The New York Times’ Adam Bryant that
recent grads shouldn’t listen to their parents. 
“They’re the most important relationships in your life, but you should never take your parents’
career advice, and I’m using parents as a proxy for all the pressures in the world,” he told
Bryant. “I also say that whatever career you’re in, assume it’s going to be a massive failure.
That way, you’re not making decisions based on success, money and career. You’re only
making it based on doing what you love.” 

­ David Melancon: Ask 3 important questions at the end of every interview 
When a hiring manager turns the tables at the end of an interview and asks, “do you have any
questions for me?” David Melancon, CEO of btr., a corporate rankings platform that focuses on
holistic performance, says there are are three questions far more important for you to ask than
what the salary is or what the job requirements are. 
The questions are: 
1. What qualities will a person in this role need to be successful in your company culture — as
an individual and as a worker? 
2. What’s the company’s position on education and development, including student loan
reimbursement and tuition assistance? 
3. How does the company keep employees excited, innovative, and motivated? 
Diane von Furstenberg: Keep it real 
In a recent interview with Adam Bryant of the New York Times, fashion designer Diane von
Furstenberg says she has learned that trusting yourself is the key to success. 
“In order to trust yourself, you have to have a relationship with yourself,” she told Bryant. “In
order to have a relationship with yourself, you have to be hard on yourself, and not be
Rick Goings: Be nice to everyone 
Rick Goings, CEO of home products company Tupperware Brands, which brought in $2.6
billion in revenue last year, shared his favorite pearls of wisdom for young people with Business
Insider. One of them was the be nice to everyone when you go on a job interview. 
“I like to check with the driver, our receptionist, and my assistants on how the candidate
interacted with them. How you treat others means the world!” 

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