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7 Best Los Angeles Cigar Lounges
JasonCarignan
The Financial Disruptors
Ben Bloch
| Bloch Strategy
NextGen10: Philanthropy, Art, & Culture [2016]
NextGen 10: Real Estate & Finance [2020]
The Coming Cambrian Entrepreneurial Explosion
Michael Loeb
| Loeb Enterprises, Loeb NYC
Struggling to Find Traction in a Slumping Commercial Real Estate Market? Here's How to Market Better—and Smarter
Nathan Miller
| Miller Ink
Walter O'Brien: Inspiring Genius Around the Globe
Angella Nazarian: A Vision in Good
Marnie Goodfriend
The Science of Fun
Innovative Leadership Maximizes Results Using the Best Tools Available
Three Steps to Help Mitigate Digital Risk
Jeremy Sucharski, CISA, CRISC
| Armanino LLP
The Powerful New Role of Family Offices
What Lies Ahead in Disruptive Innovation—and How You Can Benefit, Part ll: Dislocations = Opportunities
Brian Werdesheim
| The Summa Group | Oppenheimer & Co. Inc.
Real Estate 3.0
Adam Bohn
| INC Technologies
Will It Be Different This Time? Part II: Current Financial Trends
Value Acceleration and Exit Planning
Make a Corporate Culture Upgrade by Sharing Your Stories
Shari Foos
| The Narrative Method
How CEOs Can Practice Patience
"Mindfulness" Is the New Buzzword
Five Security Standards to Protect Jewelry
Robyn Welch
How a Life Plan Will Improve Your Business and Your Life
Living Your Life on "Purpose"
Real Regulation of NFT Art and Commerce in the Metaverse
Marina Lang
Buying the Next Unicorn
Two Legal Eagles Discuss Representing Professional Athletes
Stacy D. Phillips
| Blank Rome LLP
Future Forward In Culture Marketing With Oakley's Reggie Casagrande
Michelle Edgar
| The XX Project
What Happened to ESPN and How to Make Sure it Doesn't Happen to You
Mike Schaffer
| Echo-Factory
From Ego to Empathy: A CEO's Perspective for Industry Transformation
A Dozen Reliable Tips for Raising Amazing Children
CSQ / Billionaires / Culture & Taste / Required Reading
Morgan Housel is a partner at The Collaborative Fund and a former columnist at The Motley Fool and The Wall Street Journal. He is a two-time winner of the Best in Business Award from the Society of American Business Editors and Writers, winner of the New York Times Sidney Award, and a two-time finalist for the Gerald Loeb Award for Distinguished Business and Financial Journalism. His new book, The Psychology of Money, is out September 8, 2020.
How Warren Buffett Amassed His Fortune
In this excerpt from The Psychology of Money, Collaborative Fund Partner Morgan Housel reveals Warren Buffett's secret of playing the long game to build wealth over time.
By Morgan Housel / August 26, 2020
More than 2,000 books are dedicated to how Warren Buffett built his fortune. Many of them are wonderful. But few pay enough attention to the simplest fact: Buffett's fortune isn't due to just being a good investor, but being a good investor since he was literally a child.
As I write this, Warren Buffett's net worth is $80 billion. Of that, $19.7 billion was accumulated after his 50th birthday. $70 billion came after he qualified for Social Security, in his mid-60s.
Warren Buffett is a phenomenal investor. But you miss a key point if you attach all of his success to investing acumen. The real key to his success is that he's been a phenomenal investor for three-quarters of a century. Had he started investing in his 30s and retired in his 60s, few people would have ever heard of him.
Released on September 8, 2020, The Psychology of Money is available for preorder now.
Consider a little thought experiment.
Buffett began serious investing when he was 10 years old. By the time he was 30 he had a net worth of $1 million, or $9.3 million adjusted for inflation.
What if he was a more normal person, spending his teens and 20s exploring the world and finding his passion, and by age 30 his net worth was, say, $25,000?
And let's say he still went on to earn the extraordinary annual investment returns he's been able to generate (22% annually), but quit investing and retired at age 60 to play golf and spend time with his grandkids.
What would a rough estimate of his net worth be today?
Not $80 billion.
$11.9 million.
99.9% less than his actual net worth.
Effectively all of Warren Buffett's financial success can be tied to the financial base he built in his pubescent years and the longevity he maintained in his geriatric years.
His skill is investing, but his secret is time.
That's how compounding works.
Think of this another way. Buffett is the richest investor of all time. But he's not actually the greatest—at least not when measured by average annual returns.
You can't blame people for devoting all their effort—effort in what they learn and what they do—to trying to earn the highest investment returns. It intuitively seems like the best way to get rich.
Jim Simons, head of the hedge fund Renaissance Technologies, has compounded money at 66% annually since 1988. No one comes close to this record. As we just saw, Buffett has compounded at roughly 22% annually, a third as much.
Simons' net worth, as I write, is $21 billion. He is—and I know how ridiculous this sounds given the numbers we're dealing with—75% less rich than Buffett.
Why the difference, if Simons is such a better investor? Because Simons did not find his investment stride until he was 50 years old. He's had less than half as many years to compound as Buffett. If James Simons had earned his 66% annual returns for the 70-year span Buffett has built his wealth he would be worth—please hold your breath—sixty-three quintillion nine hundred quadrillion seven hundred eighty-one trillion seven hundred eighty billion seven hundred forty-eight million one hundred sixty thousand dollars.
These are ridiculous, impractical numbers. The point is that what seem like small changes in growth assumptions can lead to ridiculous, impractical numbers. And so when we are studying why something got to become as powerful as it has—why an ice age formed, or why Warren Buffett is so rich—we often overlook the key drivers of success.
I have heard many people say the first time they saw a compound interest table—or one of those stories about how much more you'd have for retirement if you began saving in your 20s versus your 30s—changed their life. But it probably didn't. What it likely did was surprise them, because the results intuitively didn't seem right. Linear thinking is so much more intuitive than exponential thinking. If I ask you to calculate 8+8+8+8+8+8+8+8+8 in your head, you can do it in a few seconds (it's 72). If I ask you to calculate 8x8x8x8x8x8x8x8x8, your head will explode (it's 134,217,728).
The danger here is that when compounding isn't intuitive we often ignore its potential and focus on solving problems through other means. Not because we're overthinking, but because we rarely stop to consider compounding potential.
None of the 2,000 books picking apart Buffett's success are titled This Guy Has Been Investing Consistently for Three-Quarters of a Century. But we know that's the key to the majority of his success. It's just hard to wrap your head around that math because it's not intuitive.
There are books on economic cycles, trading strategies, and sector bets. But the most powerful and important book should be called Shut Up And Wait. It's just one page with a long-term chart of economic growth.
The practical takeaway is that the counterintuitiveness of compounding may be responsible for the majority of disappointing trades, bad strategies, and successful investing attempts.
But good investing isn't necessarily about earning the highest returns, because the highest returns tend to be one-off hits that can't be repeated. It's about earning pretty good returns that you can stick with and which can be repeated for the longest period of time. That's when compounding runs wild.
Peter Lowy: A Principal at the Lowy Family Group and former Co-CEO of Westfield on How He's Making an Impact with the Homeland Security Advisory Council
Fine Dining: The New Downtown LA Meets New and Established New York City Classics
Steven F. Udvar-Házy Is Making the World a Smaller Place
Desirables: Vintaged Perfection
Restaurant Review: Lucques, Rustic Canyon, Providence, Animal
Straight from the Chef's Mouth: Wolfgang Puck on Where to Dine with Out-of-Town Guests


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Why can I not vote, when I will soon be living with the decisions?
Posted by Arif Erdogan | Updated 2015-03-20
It is only 49 days till the General Election, 49 days till you make your decision, who do you want to represent you locally? And whom do you want to stand for you, on a national level?
As both a Politics student and the Youth Officer for this Borough, I find myself a little excluded from all the debates I see, all the news I read. Why? Well, despite being 16 years old, (old enough to marry, earn the minimum wage, claim benefits or even join the army) and having a love for politics, I cannot vote.
As it stands, the voting age is currently 18 years old, yet the thought behind it doesn't make sense. As a 16 year old, I am more than aware of how the world works, and how the economy works. I go to college full-time, have a part-time job and, like many of my friends; I do take an interest in politics.
Elaine Bagshaw, PPC for Poplar & Limehouse supports Cross Cancer Out Campaign
POPLAR & LIMEHOUSE election candidate, Elaine Bagshaw is backing an appeal from Cancer Research UK to help save more lives in the constituency and across the UK.
Elaine visited the Cancer Research UK exhibition at Canary Wharf last week Friday 13th February 2015, where members of the public were being invited to find out how to join the charity's General Election campaign - Cross Cancer Out.
Cancer Research UK was highlighting how crucial it is for future MPs to listen to their constituents by putting cancer at the top of their political agenda.
Elaine demonstrated her support by placing a cross on giant letters spelling out 'CANCER'.
With predictions showing that now one in two people will be diagnosed with cancer at some point in their lifetime, Cancer Research UK says determined political action is urgently needed to help more people survive.
In the run up to the General Election, the charity is calling on candidates to back measures to ensure cancer patients receive the best treatment and are diagnosed early enough for that treatment to make a difference.
It is an appeal Elaine wholeheartedly supports. She said: "While more people in Poplar & Limehouse will be diagnosed with cancer in the future, there is good news - Cancer Research UK's work is helping to ensure more men, women and children survive.
"But with more than three people diagnosed with cancer every hour in London and this number set to rise, it's vital that we detect cancer earlier across the UK and offer all patients the best possible chance of surviving.
It's unacceptable that in Tower Hamlets, fewer patients (79.3%) receive their first treatment for cancer within 62 days of an urgent GP referral than the English average (85.8%). The waiting time target states that 85% of patients should receive their first treatment for cancer within 62 days. The speed at which patients receive their first treatment can be an indicator of clinical success.
"I'm backing the Cross Cancer Out campaign, because it's clear that there's still much that we can do to beat cancer sooner. The political drive to beat the disease must match the pace of progress in research."
Ms Marvel and why it's important to challenge Muslim stereotypes
On the 5th November 2013, Marvel comics made an announcement. This announcement wasn't just met with response from readers; it even reached the likes of the New York times. Such was the response. You may be asking why, what could cause such an international response to a comic book? Well its pretty simple.
The main character was Muslim.
Kamala Khan was announced to be debuting in Ms. Marvel, taking the mantle from another revolutionary character, Carol Danvers. Danvers is the same person that is set to headline Marvel's first female superhero picture and has changed the way women are seen in comics. Just look at the Carol Corps, a devote group of mostly women who love comics.
Some of the response was simply shocking. Comedian Conan O'Brien claimed that the character would have "so many more special powers than her husband's other wives", such is the world we live in. This tweet simply captures what is wrong with the Western world when it comes it Islam. Stereotypes.
Another to harshly target the series was Stephen Colbert, joking that a "Muslim cannot be a superhero". Others were less careful with their wording and its fair to say that many thought it to be a doomed project. Many fans were willing to try it, praising Marvel for bringing in a realistic story: a young American-Pakistani struggling with religion and identity.
Tower Hamlets needs action on affordable housing
Posted by Richard Flowers 🔸 | Updated 2015-02-14
In Tower Hamlets we are seeing a real class divide as the rich move up into the sky in their luxury high-rise apartments and penthouses literally leaving the poor below them, struggling in inadequate homes on the ground.
Housing, particularly the need for high quality affordable housing for a range of family sizes from one to many, is one of the top issues facing London and the country in the run up to this year's general election.
The Tories' Nineteen Eighties policy of selling off council housing (Right to Buy), which Labour failed to address or reverse in their thirteen years in office has led to chronic shortages of places for people on lower or even middle incomes to live.
A new report from Labour, now that they are no longer in charge, points out that council homes are being sold off faster than they are being replaced.
http://www.eastlondonadvertiser.co.uk/news/politics/tower_hamlets_council_houses_sold_off_to_buy_to_let_private_landlords_1_3949685
Labour's London Assembly Member John Biggs has called for urgent action on housing.
At the same time, controversial Tower Hamlets Mayor Lutfur Rahman has announced the building of 3500 new affordable homes as part of the redevelopment of the Royal London hospital site at Whitechapel, a scheme Labour's Mr Biggs has criticised and which was dubbed "Lutfur's palace" and a "vanity project" in the Evening Standard.
http://www.standard.co.uk/news/london/tower-hamlets-mayor-spends-9m-turning-old-hospital-into-council-palace-10028492.html
Under the Coalition, Liberal Democrat policies have seen more than 70,000 empty houses brought back into use, and the number of affordable homes nationwide increased by 190,000 (compared to a fall of 421,000 under Labour).
However, record low interest rates and George Osborne's Help to Buy scheme have meant that the better off can buy up the limited supply of homes, which has continued to drive up house prices, and this has forced rents to rise rapidly too.
Liberal Democrats would like to see Councils have the power to suspend Right to Buy in areas like Tower Hamlets where there are acute housing shortages, while in the long term we want to increase the number of new homes being built to 300,000 a year by giving new powers to Local Authorities and creating a national Housing Investment Bank to channel funds into construction, with the added benefit of creating new jobs and apprenticeships.
We would hope that Labour would be more consistent in their approach to creating new affordable homes, and call on all parties to work together to get London's house building back on track.
Why I'm involved in politics
In 2014, I made the decision to join the Liberal Democrats.
I am only sixteen years old yet I made the choice to join a political party. I was joining the 1% of the population. You may ask, why did I decide to do this? Politics is traditionally seen as dull and uninteresting. To some extent, it can be argued that this is a fair perspective.
However, as Plato said, the price of political apathy is to suffer from the evil. Many people like to complain about the government and their decisions, how their lives are effected. Yet most of these people will never vote. They refuse to get involved, and they allow their lives to be controlled.
The future of our generation starts today, everyday decisions are being made and policies being implemented. All of which will soon effect my life. It is easy to sit and complain about the state, however, it's easier to stand up and fight for what you believe in. The future of our country lies within our reach, we have the ability to bring the future that we deserve and want in Britain.
By being involved, we can bring the difference and change that we need and want, not what is forced onto us.
Elaine Bagshaw and Teena Lashmore to fight Poplar & Limehouse and Bethnal Green and Bow for Lib Dems
Posted by Tower Hamlets Liberal Democrats 🔶 | Updated 2015-02-08
Elaine Bagshaw and Teena Lashmore won the nominations on Thursday night to be the Liberal Democrat candidates for Poplar & Limehouse and Bethnal Green & Bow at the May 2015 General Election.
Elaine Bagshaw, 29, a project manager at the Financial Conduct Authority, living in Poplar follows in the footsteps of Jonathan Fryer who gained 5,209votes in 2010.
Elaine has worked in the constituency for over six years at the Financial Conduct Authority, and has lived in Poplar for just over two years. She is passionate about increasing the amount of affordable homes in the area, and as the first in her family to go to University is an advocate for the transformative power of education.
Teena Lashmore, from the neighbouring borough of Hackney works in resettling and transforming the lives of those release from prisons and detention centres, follows Ajmal Masroor who gained 10,210 votes in 2010.
Teena works in offices across London, including Tower Hamlets, and is passionate about reforming our criminal justice system. She is currently finishing her PhD, exploring how justice can be managed so that corporations have to do more to invest in crime prevention, rather than constantly taking money out of our communities.
On Holocaust Memorial Day
We remember the Jewish people.
We remember the Romani people.
We remember the Polish and Ukrainian people.
We remember the disabled people.
We remember the gay people.
We remember the non-conformists, and the communists, and the Jehovah's Witnesses and the people who just said no.
And we remember the Germans.
The people of Germany in the Nineteen-Thirties were not uniquely evil. They were, in fact, all too similar to us.
We know that anti-semitism is on the rise. Following the Paris attacks, police patrols have been increased in areas of London where the Jewish community live. In Newham, posters for Holocaust Memorial Day have been defaced.
People are afraid.
And we see today people and political parties preying on the disillusionment with democracy that compromise and austerity can bring; seeking to capitalise on the fear that an uncertain economy causes; offering simplistic solutions: pull up the drawbridge, put the blame on "the other", the immigrants, the foreigners.
The Liberal Democrats have always been a party of diversity and always opposed to extremism, whether from left or right. We believe that freedom to be individuals strengthens society. We believe in people with all their differences standing together equally.
We believe that only by working and living together we can defeat fear.
We remember the Holocaust so that we do not make the same mistakes here and now that led to the rise of fascism there and then.
Universal Credit coming to Tower Hamlets
The government has announced that Poplar Jobcentre Plus will be in the first wave of the national rollout of the Universal Credit.
Universal Credit is a new way to support people who are in work or looking for work.
Liberal Democrats have worked in government to try to reform a benefits system that is too complicated and often penalises you if you try to work more.
Universal Credit is designed to be a single benefit, merging several existing ones, that is simpler to claim and which provides better support with no limit to the hours that you can work and by withdrawing the benefit more gradually as you earn more.
Liberal Democrats recognise that most people want to work, and that a decent job for a decent wage is the best way to improve opportunities for everyone. That is why we have delivered a tax cut for everyone paying the basic rate of tax as well as investing in education and apprenticeships to give people the best start at finding jobs. And that is why we welcome the news of record levels of employment, as a sign that the economy is getting stronger.
LIBERAL DEMOCRATS DEMAND ANSWERS ON IRAQ
Almost twelve years after the Labour government followed American President George Bush to war in Iraq, and more than five years after the inquiry was set up into how it happened, what went wrong and what lessons we need to learn, we are still waiting to hear the official report.
Today we learn that the outcome of the Chilcot inquiry is to be delayed yet again, with no prospect of publication before the General Election in May.
The illegal invasion of Iraq was based on false claims of weapons of mass destruction – the infamous 'sexed up' dossier – and led to the deaths of many thousands of people, unleashing chaos, suffering and abuse across the region. And we are still reaping the consequences today, with the rise of fanatical terrorists in Iraq and attacks in Paris only this month.
Deputy Prime Minister Nick Clegg has today written to Sir John Chilcot calling for a firm date for publication, and warning that the public will assume the report is being 'sexed down'.
The first step to healing has got to be admitting when we were wrong. We cannot afford to avoid accountability for what this country did, or allow those responsible to duck the blame.
The Liberal Democrats stood up to say "No!" to the illegal invasion of Iraq then, and we stand up again now to say the British people need to hear some answers.
If you agree, please sign our petition:
http://change.libdems.org.uk/chilcot

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The Smithsonian Breaks Code of Ethics of Arts Organizations
Forget that Bill Cosby is accused of so many egregious, and illegal acts. It's almost beside the point of this story. This is part of the parable about The Smithsonian yet again at sea, lost among the public relations turbulence without an ethical compass to guide it. The Smithsonian has a sad history of unethical behavior (I clarify this to mean the code of ethics of any arts organization to follow established moral principles, to also protect the art from censorship, political interference and from simple conflicts of interest).
The Cosby case is the third in a series: the first is the Enola Gay exhibit planned for the 50th anniversary of the dropping of the first atomic bomb on a civilian population (Nagasaki, Japan 1945). The Air and Space Museum, which has among its collection the original airship (the Enola Gay) that dropped the bomb, planned an exhibit that commemorated the event but told the story not only of America's winning the war but also of the destruction and horrible loss of life and suffering the bomb caused the citizens of Japan. The exhibit was deemed unacceptable by members of the US Congress (the Smithsonian is funded in large part by the US Treasury and members of Congress and the Chief Justice are members of its board) and ultimately its influence caused the exhibit to be altered. A pure example of political influence over artistic rights, demonstrating poor judgment on the part of the leadership of The Smithsonian and sending a chill throughout the museum community.
The second, more recent, was a 2010 exhibit at the National Portrait Gallery, a Smithsonian Museum. The exhibit, entitled Hide/Seek contained a work by the video artist David Wojnarowicz that included an image of ants crawling on a crucifix. The work, somewhat difficult by some standards (but nothing compared to what passes for PG 13 films shown in most movie theaters) was first placed out of view and then, under pressure from the Secretary (the CEO) of the Smithsonian, removed from the exhibit. The artist was deceased but there was a great outcry from the artist community and many artists whose works appeared in the show demanded they be removed. Their demands were refused. The Institute for Ethical Leadership and the Seton Hall Institute for Museum Ethics, in a joint conference discussed the events surrounding this situation. When I publicly challenged the decision of the Director of the National Portrait Gallery during the conference his response was simply, "What should I have done, fallen on my sword?" The exhibit traveled then to The Brooklyn Museum where the contested work was reinserted in the exhibit without any negative publicity.
The "Cosby exhibit" is the third. There is a code of ethics that nonprofit and government organizations must follow because those organizations are "owned" by all of us, given the right to exist tax-free (thereby subsidized by all of us) and intended for the public good. One element of the code is disclosure; another is conflict of interest. The other element of the ethical code (violation) is based on the premise that arts institutions have the power to change people's lives and therefore have a responsibility to be truthful and to insure that truth to be unwavering and untarnished by outside forces. In the case of the exhibit at the Museum of African Art, works of art, owned by an individual (Cosby), which are part of an exhibit at such a prestigious institution and funded or paid for by that individual, clearly represents a potential conflict of interest.
Were the curatorial decisions made influenced by the funding – and in this case, by the friendship between the Director of the Museum of African Art and the Cosby's? And, were the works owned by the Cosby's made more valuable because they were exhibited at The Smithsonian?
A strict interpretation would say there is an appearance of a conflict. In this case, disclosing the connections could ameliorate the situation, but under the circumstances (the institution, the funding, the close friendship) even disclosure would not necessarily dispel the appearance. Many questions remain: Were the Cosby's works chosen to tell a particular story about them? Were these works selected by the curator or by the Cosby's? Did the inclusion of works that told the Cosby's personal history create certain credence to their story?
Let's not be fooled by conflating the pall over Bill Cosby the man. The courts will rule on that. But let us not give the Smithsonian or the Director of the African Museum a pass. Nations live or die, ultimately, by their values. Our national museums have a standard to uphold. We own them; they owe it to us to demonstrate the highest values.
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Paul Smith (animator)
(1906-03-15)March 15, 1906
November 17, 1980(1980-11-17) (aged 74)
Van Nuys, California
Paul J. Smith (March 15, 1906 – November 17, 1980) was an American animator and director.
Smith worked for the Walter Lantz studio for much of his career, first starting as an animator, and then as a director. He also animated at the Warner Bros. cartoon studio.
By 1955, Smith had taken over as primary director of the Woody Woodpecker cartoon shorts, with periodic fill-in shorts directed by peers Alex Lovy, Jack Hannah, and Sid Marcus. With Smith in the director's chair, the Woody Woodpecker series maintained its trademark frenetic energy, while the animation itself was simplified, due to budget constraints. By the late 1960s, Smith became the sole director of the Lantz studio's output: the cartoon series Woody Woodpecker, Chilly Willy, and The Beary Family. Smith stayed with Lantz until the studio was closed in 1972.
Smith died in Van Nuys, California on November 17, 1980. He was the brother of animators Frank Smith and Hank Smith and the uncle of actor and film director Charles Martin Smith.[1]
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As we reported the day after the election in "Election Results: Who Says Every Vote Does Not Count?", Legislative District 8 Candidate John Comstock lost his race by a mere 36 votes.
The Nebraska Secretary of State's website lists the "unofficial results" as follows: Comstock, 2,906 votes at 49.69%; opponent Burke J. Harr: 2,942 votes at 50.31%.
It was reported to me on Monday by friends in the Omaha area that this race is currently under some kind of review process by election authorities. I am not clear regarding whether or not this razor thin margin triggered an automatic review or recount, but it is confirmed that some process is underway.
Reportedly, one aspect of the review is focusing on matching absentee and early voter ballots to the registered voter rolls. Mr. Harr apparently had an early lead in the race, which would indicate that it came through absentee and early voter ballots.
John Comstock was as a candidate listed as worth considering on our "cheat sheet" both in regards to voting and providing support during the campaign.
When we have further information, we will report it here.


A guy walks into the human resources department of a large company and hands the executive his application. The executive begins to scan the sheet, and notices that the applicant has been fired from every job he has ever held.
"I must say," says the executive, "your work history is terrible. You've been fired from every job."
"Well," continues the executive, "there's not much positive in that."
"Hey!" says the guy as he pokes the application, "At least I'm not a quitter."


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