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“Index funds are... tax friendly, allowing investors to defer the realization of capital gains or avoid them completely if the shares are later bequeathed. To the extent that the long-run uptrend in stock prices continues, switching from security to security involves realizing capital gains that are subject to tax. Taxes are a crucially important financial consideration because the earlier realization of capital gains will substantially reduce net returns.”

“The art of investment has one characteristic that is not generally appreciated. A creditable, if unspectacular, result can be achieved by the lay investor with a minimum of effort and capability; but to improve this easily attainable standard requires much application and more than a trace of wisdom. If you merely try to bring just a little extra knowledge and cleverness to bear upon your investment program, instead of realizing a little better than normal results, you may well find that you have done worse.”

“The common ground where the activities of God and man become one is the motive of perfect love; for in the last resolve love is the essence of God's nature. When he thinks, love is his thought; when he wills, love is the product of his will. To the degree, therefore, that man thinks and wills the good--to the degree that he realizes love in his finite dealings--he interfuses himself with God.”

“Try to comprehend the unity of all; there is one God, and all are one in Him. If we can but bring home to ourselves the unity of that Eternal Love, there will be no more sorrow for us; for we shall realize, not for ourselves alone but for those whom we love, that whether we live or die, we are the Lord's, and that in Him we live and move and have our being, whether it be in this world or in the world to come.”

“You'd think people would realize they're bad at multitasking and would quit. But a cognitive illusion sets in, fueled in part by a dopamine-adrenaline feedback loop, in which multitaskers think they are doing great.”

“... we know that productivity suffers when uncertainty is high. But we've failed to realize the equally destructive effects of too little anxiety. ... By protecting people from risk, we destroy their self-esteem. We rob them of the opportunity to become strong, competent people.”

“As an attorney, I assure you the law isn't a line engraved in marble, immovable and unchangeable through the centuries. Rather the law is like a string, fixed at both ends but with a great deal of play in it very loose, the line of the law so you can stretch it this way or that, rearrange the arc of it so you are nearly always short of blatant theft or cold-blooded murder safely on the right side. That's a daunting thing to realize but true.”

“Once you grow accustomed to being famous, you do not realize it, but you are never quite your humble, honest self. No matter how tightly you keep the lid on, there is some watered stock of vanity inside. You are always in danger of the thing's coming off and of giving yourself an air or two. No man or woman was ever so distinguished that this exhibition did not make him ridiculous, especially to those of meaner minds.”

“Realizing that our minds control our bodies while our bodies reflect our minds amounts to understanding the most fundamental aspects of ourselves. It further equals a comprehension of the relationship between our "tools." And since the mind and body are interrelated, this understanding makes it easier to see why coordinating them is a practical way of using these tools to greatest effect-a way of using the mind and body to live our lives as art.”

“As we progress along the intercultural journey, we become self-reflective about habits of heart and mind and the ways these are expressed in daily life. We develop strategies for encountering change, unfamiliarity and ambiguity in creative ways. We begin to realize that what is taken, as "common sense" is really "cultural sense". Our life becomes richer and deeper for having encountered differences.”

“I've come to realize that I'm a image maker, not an object maker. Images come to me as photographs because I don't have any other way of express them. I have to translate everything into still or moving pictures. I've learned that reality is not important to me. In the end it is the representation of reality that I'm striving to capture.”

“... one of the blind spots of most Negroes is their failure to realize that small overtures from whites have a large significance... I now realize that this feeling inevitably takes possession of one in the bitter struggle for equality. Indeed, I share it. Yet I wonder how we can expect total acceptance to step full grown from the womb of prejudice, with no embryo or infancy or childhood stages.”

“As the owner of the Arison Group, a philanthropic and business enterprise that spans across 40 countries in 5 continents, my ongoing challenge is to bridge the gap between what I envision and its understanding and practical implementation. The Arison Group operates to realize the overall vision of Doing Good.”

“It is often said that education and training are the keys to the future. They are, but a key can be turned in two directions. Turn it one way and you lock resources away, even from those they belong to. Turn it the other way and you release resources and give people back to themselves. To realize our true creative potential-in our organizations, in our schools and in our communities-we need to think differently about ourselves and to act differently towards each other. We must learn to be creative.”

“People don't realize that by voting Republican, they voted against themselves....I worry that some people are entertained by the idea of this war. They don't know anything about the Iraqis, but they're angry and frustrated in their own lives. It's like Germany, before Hitler took over. The economy was bad and people felt kicked around. They looked for a scapegoat. Now we've got a new bunch of Hitlers.”

“We are living in a culture entirely hypnotized by the illusion of time, in which the so-called present moment is felt as nothing but an infinitesimal hairline between a causative past and an absorbingly important future. We have no present. Our consciousness is almost completely preoccupied with memory and expectation. We do not realize that there never was, is, nor will be any other experience than present experience. We are therefore out of touch with reality.”

“The hallucination of separateness prevents one from seeing that to cherish the ego is to cherish misery. We do not realize that our so-called love and concern for the individual is simply the other face of our own fear of death or rejection. In his exaggerated valuation of separate identity, the personal ego is sawing off the branch on which he is sitting, and then getting more and more anxious about the coming crash!”

“When you stand in your own authority, based in your own direct experience, you meet that ultimate mystery that you are. Even though it may be at first unsettling to look into your own no-thingness, you do it anyway. Why? Because you no longer want to suffer. Because you're willing to be disturbed. You're willing to be amazed. You're willing to be surprised. You're willing to realize that maybe everything you've ever thought about yourself really isn't true.”

“Now I rewrite more and more severely, and I take great pleasure in cutting thousands of words out of first drafts; I think that's a pleasure worth learning as early as possible in one's career, not least because realizing that one can do it helps one relax into writing the first draft in which it's better to have too much material for later shaping than not enough.”

“It is easy enough to say, Be true to your values. But what if your values are irrational? Or what if the virtues you have committed yourself to are so much against human nature that they cannot be practiced consistently? Be careful of what you accept as your code of morality. Think carefully about whether its tenets serve your life and well being. Exercise critical judgment. Realize how much is at stake-your life, your happiness, your self-esteem.”