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ALG Algorithm
PG AI (Programming - Artificial Intelligence)
The Personal MBA (Master of Business Administration)
Financial Intelligence - for Entrepreneurs - What You Really Need to Know About the Numbers
Influence, The Psychology of Persuation
How to Win Friends and Influence People
Principles
Good to Great
Poor Charlie's Almanack
The Intelligent Investor
Acquisition.com
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Guidelines
Notes
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Sun 2025-3-9 LZ 16:20
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Kids LZ (RC) - Tue 2025-2-27 Helsinki Vantaa 18:00
• FIN Jahr verlieren Sprache schwach - Spannung - FO VE Sprache + BS schwach
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• ...
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Codes: Feroniba - essence business management programming (4 relationships: DAKM friendship business family ideals, dharma artha kama moksha - images sound text = 3 media)
• God mysticism 88 (= 8 qualities of God: connected to mystical powers: 1 WI wisdom 2 eternity/infinity 3 multidimensional 4 personal exchange (4R) - (not 100% connected to mystical powers: 5 allmightiness 6 all-loving 7 allmightiness/omnipotence 8 all energies) - and 8 mystical powers: 1 manifestation (up to universes) 2 modification of form, size, quantity 3 high weight/indestructibility 4 telepathy 5 invisibility/disappearance 6 teleportation 7 teleportation of objects 8 levitation/flying) love all-love meditation intuition IV (inner vision) LI (life images) dream analyses
• personal_exchange 4_relationships_(see above) effectiveness perfection media psychology philosophy religions spirituality IM_(all images and means) highest_good
• management business real_estates property_management
• programming technology ... ships spaceships
• IST_(images sound text) media_production film_production painting theatre ... writing
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VE
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Codes: Verena
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• ...
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AN
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• Malen lernen (PI LR)
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Codes: Anne
• ... + sadhana (spiritual disciplines)
• ... + services ...
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• study and practice painting art
• ...
For more information welcome to visit ♡ ♥ ♡ terasof.com ♡ ♥ ♡
Start - Thu 2025-2-6 Helsinki Vantaa 9:20
• From: Nobody_annoys/offends Win_win HG GW POL/Economy ... -> PG TC -> AD CS YT MAP -> BS EF PF -> GR AP AT -> RES PMG CV Train SH -> To: SS
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• WS Web3 Crypto -> BS IDL Assets
• ...
Codes: Algorithm
• ... highest_good global_warming politics/... -> programming technology -> advertisement courses YouTube media_production -> business effectiveness perfection -> group aeroponics autarky -> real_estates property_management caravans ... ships -> ... spaceships
• programming - ...
• websites ... -> business IDL Assets (-> terasof.com
• ...
Start - Sun 2025-2-16 Helsinki Vantaa 19:00
• Global Industry Classification Standard
♡♡♡ ♡ ♡♡♡ Listen to Nikola Tesla 3-6-9 Code, Key of Universe, 396 Hz Healing Frequency, Remove Negative Energy ♡♡♡ ♡ ♡♡♡
Links
• 15 Largest AI companies in 2024 - stash.com
• 11+ Top AI Thought Leaders to Follow [2025] - tavus.io
• Global AI Power Rankings: Stanford HAI Tool Ranks 36 Countries in AI - hai.stanford.edu
• Time 100 AI - Leaders Innovators Shapers Thinkers - Full List - time.com
• Jailbreaking the Simulation with George Hotz | SXSW 2019 - SXSW - YT
• George Hotz | Programming | making tinygrad CLOUD=1 fast (even from Hong Kong!) | Good Vibes :) - george hotz archive - YT
• George Hotz - WP ---
geohot.com
• George Hotz Net Worth 2022: $ 6 million - Bio, Age, Hacker, Income (Updated: $ 10 million) - iwealthyfox.com
♡♡♡ ♡ ♡♡♡ Listen to Nikola Tesla 3-6-9 Code, Key of Universe, 396 Hz Healing Frequency, Remove Negative Energy ♡♡♡ ♡ ♡♡♡
• The Personal MBA - 10th Anniversary Edition - Amazon
• Mein persönlicher MBA - : Alles, was Sie über Betriebswirtschaft und Management wissen müssen, zum Preis von einem Buch. - Sonderausgabe zum 10-jährigen Jubiläum - Taschenbuch – 15. Oktober 2024 - 528 Seiten - Amazon
• Entrepreneurship Expert: How To Build A $1m Business Without Hard Work! - The Diary Of A CEO - YT
(• Steven Bartlett: The truth behind the Diary of a CEO podcast - BBC World Service
- BBC World Service - YT
- Steven Bartlett: Net worth of £60M "Money will not make you happy” W/ Lin Mei | Link Up TV Originals - 2022 he is 29 years old - 23:55 Junk values - 33:00 I always believed in God :-))) - about probability and belief - 39:00 I don't believe in religion, there are so many - 40:00 how did I become successful, company worth 600.000.000 - 42:45 built groups on facebook, 7 billion video viewings per month - 44:15 I quit - found experts for important positions; make yourself redundant; learn for years from experts, than step back being a CEO - 53:20 Main breadwinners 55:15 Digital reality, internet is real! (web3), digital friends become more important than real meetings/friends 57:00 meditation, Indonesia, partner lives there - 1:00:00 Dragons Den - meet 5 guests :-)) - 1:03:41 End - Interview by Caribbean - Link Up TV - YT
- Steven Bartlett (businessman) - born 26.8.1992 in Botswana, Nigeria - WP)
• The first 20 hours -- how to learn anything | Josh Kaufman | TEDxCSU - TEDx Talks - YT
• joshkaufman.net ---
personalmba.com
• The Personal MBA {summarized}
• The Personal MBA {summarized} An in-depth summary, written by Stefan Leon - medium.com
• The Personal MBA Summary (Review & Book Notes) - bestwriting.com
• The Personal MBA By Josh Kaufman | Audiobook Summary - Quick Book Summary - YT
• Procter & Gamble - WP ---
P&G
• The 100 Best Business Books of All Time - #28 The Personal MBA - goodreads.com
Markets
• Categories - researchandmarkets.com
Content
Key Terms - p15
A Note to the Reader - p21
Preface to the 2020 Edition - p23
Introduction: Why Read This Book? - p26
1 Value Creation - p59
2 Marketing
3 Sales
4 Value Delivery
5 Finance
6 The Human Mind
7 Working with Yourself
8 Working with Others
9 Understanding Systems
10 Analyzing System
11 Improving Systems
p2 - ... ♡ ... -
p21 - assuming business school needed not true - majority of businesses require basically common sense, simple arithmetic, knowledge of few very important ideas and principles - PMBA focuses on these - purpose: give clear, comprehensive overview of most important business concepts in as little time as possible - each idea presented in plain language, connections highlighted - book not trying to replace business school programs, but help to build solid understanding of business practice, regardless of level of experiene - aim: read large topic in few hours
p22 - revised and edited edition of PMBA many new concepts, plus small edits to improve clarity of concepts, and additional index features for long-term reference :-)
combine reading PMBA with real-world experience and reap the rewards for rest of your life - hope PMBA helps to make more money, get more done, and have more fun in the process ♡
p23 - ... -
p26 - ... - business angst ... - certification intimiation ...
p27 - imposter syndrome ... -
You Don’t Need to Know It All
p28 - ...
No Experience Necessary
... you’ll find the information in this book more valuable and practical than anything you learned earning your degree -together, we’ll explore 271 simple concepts ... - understand what successful businesses actually are and do
Questions, Not Answers
"Education is not the answer to the question. Education is the means (Mittel, Weg ...) to the answer to all questions." — BILL ALLIN, SOCIOLOGIST AND EDUCATION ACTIVIST
PMBA helps to ask better questions ...
p29 - ...
Mental Models, Not Methods
The limits of my language are the limits of my world. — LUDWIG WITTGENSTEIN, PHILOSOPHER AND LOGICIAN
To improve business skills, don't need to learn everything there is to know - master fundamentals, "mental models" - together they create a solid framework you can rely on to make good decisions - mental models are concepts representing our understanding how things or world works - example driving car, right pedal reacts falsely as brake - model accuracy determines expectations, decisions, behavior, in the long run all results - brain forms models by experiences - often not accurate, you are as one person limited - education makes models more accurate, by internalizing knowledge and experiences from other peoples lives - helps seeing world in new, more productive way - example: many people believe starting business risky, must create business plan, borrow money, business about who you know, not what you know - these exampl. not accurate - correcting models makes you think in more comprehensive way, helps making better decisions
p30 - Inaccurate mental model -> Accurate m. m.:
• Starting business is risky -> Uncertainity is ever-present but manageable part of business, risks can be minimized
• First must write flawless business plan -> Secondary - primarily is understanding critical functions of your business - no matter how much you prepare, there will always be surprises along the way
• Must raise capital before start building business -> Only necessary to accomplish otherwise impossible things (like building a factory)
• Not what you know, but who you know -> Personal connections important, but knowledge is key if you want to use connections to your best advantage
My Personal MBA
Self-education is, I firmly believe, the only kind of education there is. — ISAAC ASIMOV, FORMER PROFESSOR OF BIOCHEMISTRY AT BOSTON
...
A Self-Directed Crash Course in Business
...
The Wheat and the Chaff
...
The Personal MBA Goes Global
...
Munger's Mental Models
p36 - "I think it’s undeniably true that the human brain works in models. The trick is to have your brain work better than the other person’s brain because it understands the most fundamental models — the ones that do the most work." — CHARLES T. MUNGER, BILLIONAIRE BUSINESS PARTNER OF WARREN BUFFETT, FORMER CEO OF WESCO FINANCIAL, AND VICE-CHAIRMAN OF BERKSHIRE HATHAWAY
p40 - ... - Skip business school. Educate yourself. - ...
Three Big Problems with Business Schools
p41 - ...
...
p54 - ...
A Better Way
... - skipping business school and learning the fundamentals of business by reading this book may be the best decision you ever make.
p55
What You’ll Learn in This Book
"When you first start to study a field, it seems like you have to memorize a zillion things. You don’t. What you need is to identify the core principles—generally three to twelve of them—that govern the field. The million things you thought you had to memorize are simply various combinations of the core principles." — JOHN T. REED, REAL ESTATE INVESTOR AND AUTHOR OF SUCCEEDING
Book teaches fundamentals of sound business practice - quick overview:
How businesses work. A successful business, roughly defined, provides
(1) something of value that
(2) other people want or need at
(3) a price they’re willing to pay, in a way that
(4) satisfies the customer’s needs and expectations so that
(5) the business brings in sufficient profit to make it worthwhile for the owners to continue operation.
Together, the concepts in chapters 1 to 5 (1 Value Creation, 2 Marketing, 3 Sales, 4 Value Delivery, 5 Finance) describe how every business operates and what you can do to improve your results.
...
p56 - ...
Financial Intelligence for Entrepreneurs: What You Really Need to Know About the Numbers
- by Karen Berman and Joe Knight - 8 parts, 30 chapters, 285 pages - Amazon
Simple Numbers, Straight Talk, Big Profits! by Greg Crabtree
Accounting Made Simple by Mike Piper
How to Read a Financial Report by John A. Tracy
In addition, online courses like MBA Math (mbamath.com) and Bionic Turtle (bionicturtle.com) are available if you want to explore
these topics in even greater depth. (Many business schools and corporate-finance training programs recommend or require these courses prior to
enrollment.)
p57 - Quantitative analysis and modeling. We’ll discuss the fundamentals of measurement and analysis in chapter 10, but this book won’t turn you into a Wall Street “quant” or a high-flying spreadsheet jockey. Statistics and quantitative analysis are very useful skills when used appropriately, but the actual techniques are very situational and beyond the scope of this book. If you’re interested in learning more about statistical analysis after reading chapter 10, I recommend:
Thinking Statistically by Uri Bram
How to Lie with Statistics by Darrell Huff
Turning Numbers into Knowledge by Jonathan Koomey, PhD
For an examination of more advanced methods of analysis, Principles of Statistics by M. G. Bulmer is a useful reference.
How to Use This Book
"All truly wise thoughts have been thought already thousands of times; but to make them truly ours, we must think them over again honestly, until they take root in our personal experience." — JOHANN WOLFGANG VON GOETHE, POET, DRAMATIST, AND POLYMATH
Few tips get most from PMBA: browse, skim (überfliegen), scan (querlesen, untersuchen) - don't need read cover to cover to benefit: browsing can give better results, less effort - find section that grabs attention, commit to apply concept to your work for few days - will begin noticing significant differences in quality of your work, and ability to "think like businessperson" - note and pen - book written to make things better, capture thoughts as you have them, makes easier to review major concepts later - notebook makes it easy to shift from notes to create detailed action plans as they occur - review book often, particularly before starting new project - repetition leads to mastery: better internalizing concepts -> improves results more - set reminder in calendar to review book/notes every few months to reinforce understanding and spark new ideas
p57 - discuss these with colleagues - great things happen when everyone you work with knows these concepts and uses same language to discuss how they apply to business
after every concept online reference page, to include in email, proposal, blog post or other communication - helps ensure everyone is on same page, particularly if not familiar with concept you are referencing
There's always more to explore - each idea has many applications, impossible to explore in single book - many great resources in the world of business literature, can deepen understanding about particular mental model - join Josh Kaufman at personalmba.com to explore these ideas in more detail, learn how to apply them to daily work - let's begin
p59 - ...
The Five Parts of Every Business
p60 - ... - 5 Parts of every business: 1 Create/deliver value - 2 other people want/need - 3 price willing to pay - 4 satisfy customer's needs/expectations - 5 enough profit for owner to continue operation
...
Ten Ways to Evaluate a Market
p67 - ... - first do some research before starting new business or expanding existing business before you leap (springen, aufschießen ...) - ... - rate each of ten factors below, scale 0-10:
1 Urgency - 2 Market Size - 3 Pricing Potential - 4 Cost of Customer Acquisition - 5 Cost of Value Delivery - 6 Uniqueness of Offer - 7 Speed to Market - 8 Up-front Investment - 9 Upsell Potential - 10 Evergreen Potential -
Add up score - if <50 move to other idea - if 75 and > very good promising idea - implement it - 50-75 potential to pay bills, but won't be a home rum without a huge investment of energy and resources
...
p71 - ... -
Twelve Standard Forms of Value
"Value is not intrinsic; it is not in things. It is within us; it is the way in which man reacts to the conditions of his environment." — LUDWIG VON MISES, AUSTRIAN ECONOMIST
1 Product, create & sell/deliver for profit - 2 Service, provide help/assistance, charge fee - 3 Shared Resource, create durable asset for many, charge for access - 4 Subscription, offer benefit on ongoing basis, charge recurring fee - 5 Resale, acquire asset, sell to retail buyer with profit - 6 Lease, aquire asset and allow using for predefined amount of time for a fee - 7 Agency, market or sell asset/service third party, collect percentage - 8 Audience Aggregation, get attention of group, sell access to that group via advertising, to others looking to reach that audience - 9 Loan, lend money, collect payments over predefined period of time, equal to amount of original loan plus interest - 10 Option, offer predefined action for fixed period of time for a fee - 11 Insurance, take on the risk of specific bad thing happening to policyholder for predefined series of payments, pay out only if thing happens - 12 Capital, purchase ownership stake in a business, collect portion of profit as one-time payout or ongoing dividend
...
p87 - ... -
Hassle Premium
(Schwierigkeit, Ärger ...) - 1 too much time - 2 too much effort - 3 distracts from other priorities - 4 involves too much complexity, uncertainty, confusion - 5 requires costly or intimidating (einschüchternd) prior experience - 6 requires specialized resources or equipment
...
p88 - ... -
Perceived Value
Value is in the eyes of the beholder - more value in eyes of customer, more payment - 4 ways: 1 satisfy one or more core human drives - 2 offer attractive and easy-to-visualize end result - 3 reduce end-user's involvement to maximum - 4 satisfy desire for social status - ...
Modularity
... combine 12 Standard Forms of Value ...
p112 - ...
...
Attention
p113 - ... -
Remarkability
p115 - ... -
Probable Purchaser
p116 - ... -
Preoccupation
p117 - ... -
p140 - ...
...
p140 - ...
p140 - ...
p239 - After covering 5 essentials how businesses work, we shift gears (Gangschaltung) understanding how people work - businesses built by people for people - value creation and delivery: only if people have needs and/or wants - have to understand how we take information, make decisions, how we decide to act, to create and sustain successful business venture (Unternehmen, Projekt, Wagnis ...) - understand human mind, find better ways to get things done in efficient (wirtschaftlich, ergiebig ...) and effective way
Caveman Syndrome
Every man is a quotation from all his ancestors. — RALPH WALDO EMERSON, NINETEENTH-CENTURY ESSAYIST AND POET
p240 - imagine hundred thousand years o, scanning for food - find root - cobra - run away - disappointed losingag food, but wasn't worth risking life - will share with tribe what food found - know everyone well (about 40 people) - together for protection from wild animals or tribes, make spears and nets, knives and axes, baskets and pots - at camp antelope roasting on fire - discuss day until sleep - tomorrow repeat -
p241 - human biology optimized for conditions existed hundred thousand years ago, not our world today - food everywhere, predators (Feinde) not - no constant motion, occupied by sedentary (ortsgebunden, sesshaft) activities like computer, office work - face new threats to brain and body like obesity (Fettleibigkeit), heart desease, diabetes, Alzheimer's desease, cancer = Caveman Syndrome (J. Kaufman), brain and body not optimized for modern world - brain and body tuned for physical and social survival, not sixteen-hour workdays - business not existing long enough to adapt new demands -> don't be too hard on yourself - no one built for this type of work, everyone running demanding new software on ancient hardware
Performance Requirements
Coffee and all-nighters limited - have to take care of yourself for doing good work, or run out of gas long before reaching your goals - mind foremost physical system - oftentimes experienced mental fatigue, emotional distress is signal from body: not getting enough of physical needs: nutrients, exercise, rest - ...
...
p283 - body and mind are our tools to get things done - but we may get stressed about what needs to be done - we'll discuss deciding what to do, set and achieve goals, track daily tasks, overcome resistance, be more productive without burning out
Akrasia
Night Guy screws Morning Guy - should do something, but we don't do it - akrasia (Willensschwäche) and procrastination (Aufschiebung) related, but not the same thing: it is feeling you should do something, without necessarily deciding to do it - "should"-feeling not leading to decision or action, even if action seems to be in your best interest - like trying to change habits like smoking, take new action, contemplate an uncomfortable topic, but not leading to action, generating deep frustration - discussed by Socrates Plato Aristotle: ακρασἱα, means “lacking command (over oneself) - Socrates: moral problem, Aristotle: mistaken opinion what a person should do - no cure discovered - instead of fighting both sides in battle of wills, better have strategy recognizing and combating akrasia when you see it
...
Monoidealism
...
Most Important Tasks
You’ve got to think about the big things while you’re doing small things, so that all the small things go in the right direction. — ALVIN TOFFLER, TECHNOLOGY RESEARCHER AND FUTURIST
p140 - ...
p381 - ...
p140 - ...
p425 - ...
A
accuracy - Genauigkeit, Exaktheit, Fehlerfreiheit, Präzision ... - p29
appeal - anrufen, ansprechen, appellieren, ersuchen, reizen ... - p116
E
engender - erzeugen, hervorrufen, verursachen, zur Folge haben - p21
entice - abwerben, anlocken, ködern, verführen, verleiten, verlocken, weglocken ... - p112
G
garish - grell, auffällig und geschmacklos, auffallend, herausgeputzt - p67
J
janitor - Hausmeister, Wächter, Pförtner ... - p252
L
leap - springen, aufschießen ... - p117
P
paragon - Vorbild, Ausbund, Text/Schriftart - p114
procrastination - Verzögerung, Aufschieben, Zögern, Prokrastination -
prospects - Aussichten, Möglichkeiten, Perspektiven, Chancen, Prognose/n, Vorhersage/n, Ausblick/e, Erwartungen, Erfolgsaussichten, Perspektive/n, (Zukunftsaus-)Sicht, Vorstellung ... - p112
R
rabid (fans) - fanatisch, wild, tollwütig - p114
S
scan - querlesen, überfliegen, durchsuchen, untersuchen ... - p57
scim - überfliegen ... - p57
• Financial Intelligence, Revised Edition: A Manager's Guide to Knowing What the Numbers Really Mean - Hardcover - February 19, 2013 -
by Karen Berman (Author), Joe Knight (Author), John Case - 8 parts, 33 chapters, 287 pages - Amazon
• financialintelligencebook.com
CONTENTS
Preface: What Is Financial Intelligence? - xi
PART ONE
THE ART OF FINANCE (AND WHY IT MATTERS)
1. You Can’t Always Trust the Numbers - 3
2. Spotting Assumptions, Estimates, and Biases - 10
3. Why Increase Your Financial Intelligence? - 17
4. The Rules Accountants Follow — and Why You Don’t Always Have To - 26
Part One Toolbox: - 36
Getting What You Want; The Players and What They Do;
Reporting Obligations of Public Companies
PART TWO
THE (MANY) PECULIARITIES OF THE INCOME STATEMENT
5. Profit Is an Estimate - 43
6. Cracking the Code of the Income Statement - 48
7. Revenue: The Issue Is Recognition - 56
8. Costs and Expenses: No Hard-and-Fast Rules - 63
9. The Many Forms of Profit - 75
Part Two Toolbox: - 83
Understanding variance; Profit at Nonprofits;
A Quick Review: “Percent of ” and “Percent Change”
PART THREE
THE BALANCE SHEET REVEALS THE MOST
10. Understanding Balance Sheet Basics - 89
11. Assets: More Estimates and Assumptions (Except for Cash) - 95
12. On the Other Side: Liabilities and Equity - 106
13. Why the Balance Sheet Balances - 111
14. The Income Statement Affects the Balance Sheet - 114
Part Three Toolbox: - 119
Expense? Or Capital Expenditure?;
The Impact of Mark-to-Market Accounting
PART FOUR
CASH IS KING
15. Cash Is a Reality Check - 125
16. Profit ≠ Cash (and You Need Both) - 129
17. The Language of Cash Flow - 135
18. How Cash Connects with Everything Else - 139
19. Why Cash Matters - 148
Part Four Toolbox: - 125
Free Cash Flow; Even the Big Guys Can Run Out of Cash
PART FIVE
RATIOS: LEARNING WHAT THE NUMBERS ARE REALLY TELLING YOU
20. The Power of Ratios - 157
21. Profitability Ratios: The Higher the Better (Mostly) - 164
22. Leverage Ratios: The Balancing Act - 172
23. Liquidity Ratios: Can We Pay Our Bills? - 176
24. Efficiency Ratios: Making the Most of Your Assets - 179
25. The Investor’s Perspective: The “Big Five” Numbers and Shareholder Value - 185
Part Five Toolbox: - 191
Which Ratios Are Most Important to Your Business?;
The Power of Percent of Sales; Ratio Relationships;
Different Companies, Different Calculations
PART SIX
HOW TO CALCULATE (AND REALLY UNDERSTAND) RETURN ON INVESTMENT
26. The Building Blocks of ROI - 197
27. Figuring ROI: The Nitty-Gritty - 203
Part Six Toolbox: - 216
A Step-by-Step Guide to Analyzing Capital Expenditures;
Calculating the Cost of Capital; Economic Value Added
and Economic Profit—Putting It All Together
PART SEVEN
APPLIED FINANCIAL INTELLIGENCE: WORKING CAPITAL MANAGEMENT
28. The Magic of Managing the Balance Sheet - 225
29. Your Balance Sheet Levers - 229
30. Homing In on Cash Conversion - 234
Part Seven Toolbox: - 239
Accounts Receivable Aging
PART EIGHT
CREATING A FINANCIALLY INTELLIGENT COMPANY
31. Financial Literacy and Corporate Performance - 243
32. Financial Literacy Strategies - 249
33. Financial Transparency: Our Ultimate Goal - 257
Part Eight Toolbox: - 259
Understanding Sarbanes-Oxley
Appendix: Sample Financials - 261
Notes - 265
Acknowledgments - 267
Index - 271
About the Authors - 285
WHAT IS FINANCIAL INTELLIGENCE?
xi - Worked with thousands of employees, managers, and leaders in companies all over the world, teaching them about financial side of business - our philosophy: everyone
Old: WHAT IS FINANCIAL INTELLIGENCE?
- Book about financial intelligence (fii) - knowing what the numbers really mean - written for entrepreneurs and company owners who need to understand exactly what is happening in their company from a financial perspective - proveides financial knowledge you need to run your business more effectively
You'll learn how to read the 3 major financial statements and how to interpret the information they contain - you learn to calculate critical ratios and understand what they are telling you - you learn why your net-cash in a given time period is not the same as profit, and why you need both profit and cash - you learn using return-on-investment (ROI) tools to analyze big purchases in order to make sure your investments add value to your business - learn managing working capital to improve company's cash flow and profitability even with no change in sales or expenses - read about 3 main methods for establishing the value of your business and many other business tricks of the financial trade
Along the way we'll let you in on the finance profession's little secret -> finance is as much art as it is science - many of the numbers on a business's financial reports are determined by a whole series of estimates and assumptions - if you learn how to assess (beurteilen, bewerten ..) those estimates and assumptions, you will know how the reports you are seeing may be biased (beeinflusst, gefärbt, verzerrt ..) in
xii - one direction or another - understanding the bias helps you making better decisions
Original edition of book just called "Financial Intelligence", published by Harvard Business Press 2006 - designed primarily for nonfinancial managers in large corporations - our company, Business Litercy Institute (BLI), taught basics of finance to many thousands of leaders, managers, and employees in companies around the world
But we noticed: many of our friends acquaintances (Bakannte) entrepreneurs business owners like ourselves found book helpful even though not aimed at them - we realized have more in common than with management clients - Karen started BLI by herself out of home after PhD in organizational psychology - Joe (MBA finance, had worked at Ford and smaller businesses) joined 2 other guys named Joe in starting Setpoint (company manufacturing roller costers and factory-automation equipment), known as "the Joes" - later joined Karen as co-owner of BLI - we both met a payroll (Gehaltsabrechnung/-Liste ..), know what it's like start and run own business - chose Harvard Business Press for creating this book, especially tailored for entrepreneurs and company owners - about this edition:
First ...
xiii - Second ... - Third ...
Some things not tried to do in this book - for example: we don't teach accounting, never mention debits and credits, don't ever refer to general ledger or trial balances - book not another version of "Accounting for Dummies", no advices how to finance your business, do your taxes, buy financial software - plenty of good guidbooks exist - our subject is what you need to know about finance to run your business more effectively - we try to stick to it
xiv - entrepreneur applying for loan might be tempted to try same thing - good to be aware how slippery some of these slopes (Schrägen, Abhänge ..) can be - besides, always entertaining to read about bad guys :-)
...
ch 1 - What Is Financial Intelligence?
p3 - Since we teach finance for a living, we'll begin book in manner of teachers everywhere: by asking questions - Q1 Do you know whether will have enough cash to make payroll next month? Month after that? - Q2 If you are running a start-up, do you know your burn-rate (how fast you are going through your cahsh)? - Q3 Do you know how profitable your company's products or services really are? Do you know that you can be running a profitable business and still run out of cash? - Q4 If thinking about buying new piece of equipment (truck, computer, machine), do you know how to figure the likely return on your investment?
ch 2 - A Primer on the Art of Finance
p11 - ...
...
ch 28 - Financial Literacy, Transparency, and Your Business’s Performance
p199 - book written to increase financial intelligence, becoming more effective leader - more than the cheaf executive of own company, and entrepreneurship more meaningful - business like baseball, backgammon, wouldn't play before having learned how it is played - knowing rules lets you see your endeavors in big-picture context -> simply people working together to achieve certain objectives - how company operates - able to assess business's performance better, can see which way key numbers are moving, understand why moving in one direction or the other
And there's the fun of it - financial report cards of business are partly reflections of reality, also, sometimes very much so, reflections of estimates, assumptions, educated guesswork, and all the resulting biases (occasionally they reflect outright manipulation as well) -
p200 - your accountant or CFO knows all this, probably hasn't shared that with you - now you ask finance types the tough questions: How to recognize paticular category of revenue? Why chosen particular time frame for deprication? Why is DII on the upswing? After getting past the shock that boss speaks their language, they almost certainly will be willing to discuss the bases for their assumptions and estimates and to modify them when appropriate - may even start asking for your advice about such matters :-)
Better Companies
We have other objective (Ziel, Veranlassung ...) for this book as well -> businesses better performance when fi quotient higher among everybody, owners, managers, employees - thriving (florierend, erfolgreich ...) business better, offers valuable goods and services to customers - stable jobs, pays raises, opportunities for advancement, healthy return for owners, helps economy grow, strengthens communities, improves living standard - ...
p201 - ... - simple antidote to politics: sunight, transparency, open communication - when everyone in business understands company's objectives (Grundsätze) and works to attain them, easier creating organization built on a sense of trust and a feeling of community - in the long run company will always be more successful than less open counterparts - fi training makes big difference - example from above: every quarter getting profit sharing check - fi savvy (Köpfchen, gesunder Menschenverstand ...) managers can react more quickly to the unexpected - famous book "Warfighting" by U.S. Marine Corps, became bible of sorts for special forces of all kinds - in combat marine can't rely on instructions from above;
p202 - instead must make decisions on their own - commanders spell out broad objectives, leave decisions to officers and marines in the field - lesson just as valuable to companier -> decisions can be made more quickly and effectively, company's performance that much stronger
Taking it to the Troops
...
ch 29 - Financial Literacy Strategies
p205 - If goal is financially intelligent company, first step figure out strategy to get there - not one-time course, instruction book, post income statement etc. and expect everyone to be enlightened - people need to be engaged in learning, material needs to be repeated, revisited in different ways, results need to be shared - financial literacy (Bildung ...) must become part of company's culture, takes time, effort, even little monetary investment - but doable -> will outline 3 approaches we have seen work
...
Tools and Techniques
...
Training (Over and Over)
...
Weekly "Numbers" Meetings
...
Reinforcements: Scoreboards and Other Visual Aids
...
p207 - ...
...
ch 30 - Putting Financial Intelligence to Work
Growing Your Business
p211 - many opportunities to put book's lessons to practical use - one of biggest issues for owners: whether, and how fast try growing the business - many entrepreneurs misunderstand process of growth - not creating profitable company, and growth takes care of itself! - putting in growth mode should be concious choice - not every business owner decides for growth, some prefer running tiny operations, few people on payroll - others choose limiting growth, though opportunities to expand into midsize or large companies - (see book "Small Giants", by Bo Burlingham)
If decide growth, will face series of decisions and choices: when add employees, how fast, which skill sets need most urgently, where and how look for candidates, which cand. to choose for each position - can be tempting making these decisions by the seat of your pants, hiring just because need help right now, or because a friend recommended someone "great" for your business
p212 -
Paths to Growth
p213 - ...
More of the Same
...
Branching Out
...
p214 - ...
Adding New Products and Services
...
Acquisition (Erwerb, Kauf, Übernahme ...)
...
p215 - ...
Going Public
...
...
E
elude (sth.) - entkommen, (etw. ausweichen, sich etw. entziehen, etw. umgehen, ...) - p3
O
objective(s) - Grundsätze, Zielsetzung, Veranlassung, übergeordnetes Ziel ...
P
payroll - Gehaltsabrechnung, Gehaltsliste, Lohnliste, Gehaltskosten, ... - p3
♡♡♡ ♡ ♡♡♡ Listen to Nikola Tesla 3-6-9 Code, Key of Universe, 396 Hz Healing Frequency, Remove Negative Energy ♡♡♡ ♡ ♡♡♡
• Influence, The Psychology of Persuation - published on (July, 2011) Paperback - by Robert B. Cialdini (Author) - Amazon
• How to Influence Others | Robert Cialdini | Big Think - Big Think - YT
• The 7th principle of persuasion - Robert Cialdini - Psicologia - Luca Mazzucchelli
- YT
• The Influence Expert: 7 Ways to Get People to Do What You Want (Even When They Don't Want To) - The Knowledge Project Podcast - YT
• Robert Cialdini - Mastering the Seven Principles of Influence and Persuasion - Sean DeLaney - YT
• Influence | The Psychology of Persuasion by Robert Cialdini ► Book Summary -
One Percent Better - YT
• Influence : The Psychology of Persuasion By Robert B Cialdini - Audiobook - Cityofaudiobooks - YT
• Robert Cialdini - WP
Content
Introduction - v
1 - Weapons of Influence - 1
2 - Reciprocation: The Old Give and Take…and Take - 13
3 - Commitment and Consistency: Hobgoblins of the Mind - 43
4 - Social Proof: Truths Are Us - 87
5 - Liking: The Friendly Thief - 126
6 - Authority: Directed Deference - 157
7 - Scarcity: The Rule of the Few - 178
Epilogue Instant Influence: Primitive Consent for an Automatic Age - 205
Notes - 211
Bibliography - 225
Index - 241
Acknowledgments
About the Author
Cover
Copyright
About the Publisher
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• How to Win Friends and Influence People: Updated For the Next Generation of Leaders (Dale Carnegie Books) Hardcover – May 17, 2022 by Dale Carnegie (Author) - Amazon
• Dale Carnegie Voice and Video Clip - Mini Clips - YT
• Dale Carnegie Short Biography - Famous People Bio - YT
• Dale Carnegie - @Dale-Carnegie - YT
EIGHT THINGS THIS BOOK WILL HELP YOU ACHIEVE
1. Get out of a mental rut (Alltagstrott, Fahrgleis, Spurrinne ...), think new thoughts, acquire new visions, discover new ambitions.
2. Make friends quickly and easily.
3. Increase your popularity.
4. Win people to your way of thinking.
5. Increase your influence, your prestige, your ability to get things done.
6. Handle complaints, avoid arguments, keep your human contacts smooth and pleasant.
7. Become a better speaker, a more entertaining conversationalist.
8. Arouse enthusiasm among your associates.
This book has done all these things for more than ten million readers in thirty-six languages.
Content
Preface To Revised Edition ....................................................................................................... 4
How The Book Was Written—And Why .................................................................................... 5
Nine Suggestions On How To Get The Best Of This Book ....................................................... 8
Part One: Fundamental Techniques In Handling People
1: If you want to gather honey, don't kick over the beehive ..................................................... 11
2: The big secret of dealing with people .................................................................................. 18
3: He who can do this has the whole world with him. He who cannot walks a lonely way. ..... 24
Part Two: Six Ways To Make People Like You
4: Do this and you'll be welcome anywhere ............................................................................ 34
5: A simple way to make a good impression ........................................................................... 40
6: If you don't do this, you are headed for trouble ................................................................... 44
7: An easy way to become a good conversationalist .............................................................. 48
8: How to interest people ........................................................................................................ 53
9: How to make people like you instantly ................................................................................ 56
Part Three: How To Win People To Your Way Of Thinking
10: You can’t win an argument ................................................................................................ 63
11: A sure way of making enemies—and how to avoid it ........................................................ 67
12: If you're wrong, admit it ..................................................................................................... 72
13: A drop of honey ................................................................................................................. 76
14: The secret of Socrates ...................................................................................................... 80
15: The safety valve in handling complaints ........................................................................... 83
16: How To Get Cooperation ................................................................................................... 86
17: A formula that will work wonders for you ........................................................................... 89
18: What everybody wants ...................................................................................................... 92
219: An appeal that everybody likes ....................................................................................... 96
20: The movies do it. TV does it. Why don't you do it? ........................................................... 99
21: When nothing else works, try this ................................................................................... 102
Part 4: Be A Leader: How To Change People Without Giving Offence Or Arousing Resentment
22: If you must find fault, this is the way to begin ................................................................. 106
23: How to criticize—and not be hated for it ......................................................................... 109
24: A talk about your own mistakes first ................................................................................ 111
25: No one likes to take orders ............................................................................................. 114
26: Let the other person save face ....................................................................................... 116
27: How to spur people on to success ................................................................................. 118
28: Give a dog a good name ................................................................................................ 121
29: Make the fault seem easy to correct .............................................................................. 123
30: Making people glad to do what you want ....................................................................... 125
A Shortcut To Distinction ...................................................................................................... 128
♡♡♡ ♡ ♡♡♡ Listen to Nikola Tesla 3-6-9 Code, Key of Universe, 396 Hz Healing Frequency, Remove Negative Energy ♡♡♡ ♡ ♡♡♡
• Principles: Life and Work Hardcover – Illustrated, September 19, 2017 by Ray Dalio (Author) - Amazon
• principles.com; Ray Dalio's Website - New book: How Countries go Broke - and much more :-)))
♡♡♡ ♡ ♡♡♡ Listen to Nikola Tesla 3-6-9 Code, Key of Universe, 396 Hz Healing Frequency, Remove Negative Energy ♡♡♡ ♡ ♡♡♡
• Jim's Seven Questions: Learning From Young Leaders Full Talk – Jim Collins - Good to Great - YT• Good to Great: Why Some Companies Make the Leap...And Others Don't – October 16, 2001 by Jim Collins
• James C. Collins, born 25.1.1958 in Boulder, Colorado, US - WP
• Unveiling the Path to Corporate Greatness: A Comprehensive Summary of ‘Good to Great’ by Jim Collins - mykpl.info
• GOOD TO GREAT by Jim Collins | Core Message - Productivity Game - YT
• Jim Collins: Relationships vs. Transactions | Episode 110 -
The Knowledge Project Podcast - YT
Contents
Cover
Title Page
Dedication
Preface
Chapter 1 - Good is the Enemy of Great
Chapter 2 - Level 5 Leadership
Chapter 3 - First Who ... Then What
Chapter 4 - Confront The Brutal Facts (Yet Never Lose Faith)
Chapter 5 - The Hedgehog Concept - (Simplicity within the Three Circles)
Chapter 6 - A Culture of Discipline
Chapter 7 - Technology Accelerators
Chapter 8 - The Flywheel and The Doom Loop
Chapter 9 - From Good To Great To Built To Last
Epilogue - Frequently Asked Questions
Appendix 1.A - Selection Process for Good-To-Great Companies
Appendix 1.B - Direct Comparison Selections
Appendix 1.C - Unsustained Comparisons
Appendix 1.D - Overview of Research Steps
Appendix 2.A - Inside Versus Outside CEO Analysis
Appendix 5.A - Industry Analysis Rankings
Appendix 8.A - Doom Loop Behavior in the Comparison Companies
Appendix 8.B - Summary of Acquisition Analysis
Notes
Index
Acknowledgements
About the Author
Back Ad
Praise for Good to Great
Also by Jim Collins
Credits
Copyright
About the Publisher
...
♡♡♡ ♡ ♡♡♡ Listen to Nikola Tesla 3-6-9 Code, Key of Universe, 396 Hz Healing Frequency, Remove Negative Energy ♡♡♡ ♡ ♡♡♡
• Poor Charlie's Almanack: The Wit and Wisdom of Charles T. Munger, Expanded Third Edition Hardcover – January 1, 2005 by Peter D. Kaufman (Editor), Ed Wexler (Illustrator), Warren E. Buffett (Foreword), Charles T. Munger (Author) - Amazon
• Charlie_Munger - WP ---
P&G
CHARLIE MUNGER'S LONG AWAITED BOOK RECOMMENDATIONS | TOP 10 BOOKS THAT WILL CHANGE YOUR LIFE Ch 6 - Billionaire Philosophy -YT
Charlie Munger Changed My Life [8 Lessons] - Alex Hormozi - YT
The One Book That Changed My Life - Poor Charlie’s Almanack - alexanderfyoung.com
The 100 Best Business Books of All Time - #28 The Personal MBA - goodreads.com
Contents
Acknowledgments
Foreword by Warren E. Buffett
Rebuttal by Charles T. Munger
Introduction by Peter D. Kaufman
Chapter One:
A Portrait of Charlcs T. Munger .................................................................................... 2
Praising Old Age: Munger's Reflections on Aging ...................................................... 27
Remembering: The Children on Charlie .................................................................... 39
Chapter Two:
The Munger Approach to Life, Learning, and Decision Making ................................. 52
Chapter Three:
Mungerisms: Charlie Unscripted ............................................................................... 82
(Highlights from resent Berkshire Hathaway and Wesco Financial annual meetings)
Chapter Four: Eleven Talks .......................................................................................... 148
2. A Lesson on Elementary, Worldly Wisdom .......................................................... 164
3. A Lesson on Elementary, Worldly Wisdom, Revisited ......................................... 220
4. Practical Thought About Practical Thought? ....................................................... 278
5. Harvard Law School Fiftieth Reunion Address ................................................... 302
6. Investment Practices of Leading Charitable Foundations .................................. 322
7. Philanthropy Roundtable .................................................................................... 340
8. The Great Financial Scandal of 2003 ................................................................. 356
9. Academic Economics ......................................................................................... 374
10. USC Gould School of Law Commencement Address ...................................... 420
11. The Psychology of Human Misjudgment .......................................................... 440
Appendixes
I. Recommended Reading Material ....................................................................... 499
II. Articles, Editorials. and Opinion Pieces ............................................................. 502
Index ........................................................................................................................... 522
...
...
...
...
p2 - " I've gotten paid a lot over the years for reading through the newspapers." (Photo: Awaiting luncheon on the Thames, 1996.)
p3 - Skip business school. Educate yourself. - ...
• Go to -> Intelligent Investor - German website
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• $100M Offers: How To Make Offers So Good People Feel Stupid Saying No - Book 1 of 2: Acquisition.com $100M Series - Amazon
• $100M Leads: How to Get Strangers To Want To Buy Your Stuff - Acquisition.com $100M Series Volume 2 - Amazon
• acquisition.com ---
skool.com
• Building a Business For a Stranger in 51 Mins - Alex Hormozi born: August 18, 1992 - Alex Hormozi - YT
• The Man That Makes Millionaires: Turn $100 to $10k With This Step By Step Formula! Alex Hormozi - The Diary Of A CEO - YT
• $100M Leads Launch - Alex Hormozi - YT
• How to Become Ultra Wealthy (4 Methods) - Alex Hormozi - YT
• My Secret To Working Hard - Alex Hormozi - YT
• Alex Hormozi: The $500M Puppet Master - Academy of Wealth - YT ❤️🔥🔥
• Alex Hormozi Net Worth 2025 (& How He Made His Fortune) - 10th Anniversary Edition - successsolver.com
• Iman Gadzhi: A $100M Web of Lies - Academy of Wealth - YT
• educate.io ---
iman-gadzhi.com
• Iman Gadzhi Net Worth 2025: NEW AGE, Income Sources & More - imminentbusiness.com
♡♡♡ ♡ ♡♡♡ Listen to Nikola Tesla 3-6-9 Code, Key of Universe, 396 Hz Healing Frequency, Remove Negative Energy ♡♡♡ ♡ ♡♡♡
PH
• ...
• How Not to Get Sick: A Cookbook and Guide to Prevent and Reverse Insulin Resistance, Lose Weight, and Fight Chronic Disease - Amazon $ 21.93 ---
How Not to Get Sick - Sample - Google
Why We Get Sick - PDF
What Does Dr. Ben Bikman Eat in a Day? - Jesse Chappus - YT
• World Population - WP ---
Sustainable_Population - WP
...
♡♡♡ ♡ ♡♡♡ Listen to Nikola Tesla 3-6-9 Code, Key of Universe, 396 Hz Healing Frequency, Remove Negative Energy ♡♡♡ ♡ ♡♡♡
BS
• ...
• G
...
♡♡♡ ♡ ♡♡♡ Listen to Nikola Tesla 3-6-9 Code, Key of Universe, 396 Hz Healing Frequency, Remove Negative Energy ♡♡♡ ♡ ♡♡♡
Books
• The Art of War by Sun Tzu, who lived during the Eastern Zhou period (771–256 BC) - classics.mit.edu
Learning
• 13 Years of No BS Study Advice in 58 Minutes - 0:18 1 Studying does not equal learning - 2:40 2 Stop looking for study hacks - 5:40 3 Stop copying successful students - 10:10 4 Stop thinking techniques - Start thinking systems - 14:30 5 Avoid the illusion of learning - feels like learning and progressing, but it is not - writing and rewriting notes (because it is a habit, don't know what else to do) - 17:28 6 Test yourself earlier and more often (test yourself at the end of every week and month) 58:30 7 Test at each level of knowledge (20:20 Bloom's Taxonomy -> create evaluate analyse apply understand remember) - 21:45 8 Test yourself in different ways (what, how - examples: math, coding ...) - 24:35 9 Assume you'll make every mistake again (don't think it is just making silly mistakes - find the gaps) - 27:55 10 Do spaced (in regelmäßigen Abständen) repetition and active recall properly (1 hued/cued (gefärbt/gekennzeichnet) recall - 2 free recall (best technique, swap out cues, don't look at the answer) - 3 recognition) - 34:02 11 Rote (durch stures Auswendiglernen) memorise, but only as a last resort (Ausweg) - (painful, not very effective, very time inefficient, learning dead, illusion of learning) - Justin Sung - YT
• Du bist NICHT DUMM! Das einzige 5 Schritte LERNSYSTEM, das du brauchst. - 6:50 Web3 summing up - Jani Jäckel, born 9.2.2002 - YT
• Ich hab luzides Träumen für 30 Tage ausprobiert - Mein Leben wird NIE wieder das GLEICHE SEIN - Jani Jäckel - YT
• Die NEUROWISSENSCHAFTLICH BESTE Morgenroutine (es hat mein LEBEN VERÄNDERT!) - Jani Jäckel - YT
BS
• Crypto BILLIONAIRE reveals the future of Web3 (Yat Siu) - Free Humanity podcast EP.4 - 6:50 Web3 summing up - HelpBnk - YT
• Yat Siu: Crypto Billionaire, the Future of Web3, and Redefining Capitalism - The Asian Boss Code with Stephen Park - YT
• The Future Of Web3! 🌐 What's Ahead? (Top 5 Predictions!) 💥🥽 Plus: Capitalize On What's Coming! 🤑 - Crypto Casey - YT
• Web3's current problems. Can utility tokens become money? Why boundary btw token & stock is blurring - Tascha Labs - YT
• I'm 50. If You're In Your 20's or 30's, Watch This - Simon Squibb - YT ❤️🔥
• A Billionaire’s Blueprint To Starting A Business (Starting With $0) - Simon Squibb - YT
• EMERGENCY MESSAGE: We Are Under Attack… (My Solution) - Simon Squibb - YT 🍀✨
• The Money Making Expert: The Exact Formula For Turning $100 into $100k Per Month! - Daniel Priestley - The Diary Of A CEO - YT ❤️🔥🌹🏆🛸🔥
- Daniel Priestley - Forbes - forbes.com
Love & Health
• Wim Hof: They’re Lying To You About Disease & Inflammation! -
The Diary Of A CEO - YT
- Forbes
• Foreign investment flows to and from China have increased yuan’s international use - bofit.fi
POL
• Dr Jordan Peterson: 'Big mistake' to call Vladimir Putin a 'psychopath' - Sky News Australia - YT
• Jordan Peterson Debates The Psychology Of Vladimir Putin With Piers Morgan - Intell - YT ❤️🔥🌹
• "My PSYCHOANALYSIS Of Vladimir Putin!" - Jordan Peterson - Piers Morgan Uncensored - YT Woooow!!! 💝👍🏆🌞✨
• Das Ende des Westens | Richard David Precht im Gespräch mit Ivan Krastev - ZDFheute Nachrichten - YT ❤️🔥🌹
• Ernst Wolff: "Sie berichten uns gerade genau das Gegenteil!" - Krissy Rieger - YT
PG & AI
• deepseek.com
Technical Terms
• Economic Moat - Example: Apple - wallstreetprep.com
PH PS
• 251 Abstract Concepts Examples - List of Abstract Concepts - helpfulprofessor.com
Health
• The Insulin & Glucose Doctor: This Will Strip Your Fat Faster Than Anything! - The Diary Of A CEO - YT
• What Jeff Bezos Says About Sleep - Sleep Gods - YT
Music
• Jackie Evancho Then and Now - Jackie Evancho - YT
• Jackie Evancho - Get Out Of My Life (Lyric Video) - Jackie Evancho - YT
Space & Aliens
• Ex-Pentagon Official: The U.S Isn't Telling The Truth! Top-Secret UFO Encounters Finally Uncovered! - The Diary Of A CEO - YT
• Session 1 • Sun 2025-1-26 Helsinki Vantaa 16:15-20:30 WR bs.html - start ♡♡♡
