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red-dragon-archfiend · 5 years

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I wrote the next installment in my series of stories about Kisfyire! As always, this will be under a cut so it doesn’t swallow your dashboard, but please read it, and reblog it if you enjoyed it!

Slosh, crunch, slosh. The sound of her footsteps in the snow filled Kisfyire's ears as she trekked through the frozen valley. She wore a red coat designed to resemble the wicked goddess of chromatic dragons, Tiamat. Dressing to resemble an evil deity seems like it would be suspicious, but Kisfyire's coat looked too goofy by most to be taken seriously. Kisfyire placed her hand over her chest to warm it through the heat of her flame sac as she squinted through the falling snow. The people of the village a few miles away would consider what she was attempting stupid, pointlessly dangerous. But Kisfyire was confident that she knew what she was doing. She'd been walking for a long time now, and she had no plans on stopping. All she needed was-

CRUNCH. The sound of something very large failing to hide its presence any longer. The half-dragon jumped at the noise, swiveling her head to face the source of the sound, but her gaze was met only by the same curtain of falling snow she'd been staring at this entire time. But that one sound confirmed she'd found what she'd been looking for; the territory of a white dragon.

At this realization, Kisfyire quickly went through all the facts and stereotypes about white dragons she knew. They were generally the weakest and most bestial of chromatic dragons, following instinct over thought. In this place, it was the predator, and she was now prey. But Kisfyire had planned for this scenario.

“Hello? Is someone there?”, she called out into the blizzard. No response, as expected. She waited for a moment, scanning the area around her for signs of movement. All was quiet, save for the sound of the wind and snow, until-

CRASH. Once again, the relative silence was broken by a sudden burst of noise, this time accompanied by a large beast with scales the same color as the blizzard surrounding it. It let out a billowing roar, and Kisfyire replied with one of her own, quieter and more feminine, but still quite an unusual, loud sound coming from what looked like an elf's mouth. The sound caused the white dragon to stop in surprise, filled in inexplicable fear. Why did that sound make me feel so scared?, the beast thought to himself. Hunting instincts now suppressed, he remembered how she tried to communicate before, and decided to go against his nature and question her.

“What are you? What business do you have in my territory?”, he asked, trying to sound menacing. She was much smaller than he was, but something about her roar triggered a primal fear inside the white dragon.

Kisfyire was relieved that he actually stopped to talk, which was rare for white dragons. She smiled up at him. “My name is Kisfyire Galaelon! I'm a half-elf, red dragon. I just came over to talk to you for a bit!”

The white dragon was baffled. Yes, her being a red half-dragon did explain why her roar was so frightening, but her reason for entering his domain was even more confusing than his subconscious fear. “Talk? To ME?”

“Yes! About that nice town a few miles away.”, Kisfyire replied, rubbing her hands together for warmth. “They say you've been scaring everyone and eating their livestock. Why do you do that?”

“What? Why do I do that? Why do you THINK I do that? I need to hunt. Their livestock is perfect food when I can't find anything around here. So I eat it. What's so hard to understand about that?”, the white dragon sneered.

“Well... That's THEIR livestock. You wouldn't want them hunting in your territory, would you? And what's your name, by the way?”

The white dragon stared at Kisfyire, feeling more perplexed by the second. “My name is Kazhael. And if they tried to hunt in my territory, I would freeze them to death before the environment did. They have no right to be here, to steal my source of food.”

“So why do YOU have the right to steal THEIR food, then? Because you're bigger and stronger? So wouldn't that give my dad the right to come in here and hunt as he pleases?”

Kazhael was stunned, not only by the subtle threat in Kisfyire's speech, but also by her logic. He'd always been subconsciously aware of his own hypocrisy, but had always justified it by asserting to himself that he was superior to them, but important enough to not deserve being treated the same way by more powerful dragons. Kazhael had no idea how powerful this Kisfyire really was, or if she could actually have her presumably red dragon father take his territory away from him, but it was too much of a risk to try to hurt her. But did he actually want to hurt her anymore? Knowing she was half-dragon killed any desire to eat her, but she merely wanted to protect the townspeople...

“Okay, fine, I see your point. As long as they don't bother me or my hunting grounds, I'll leave them be. I didn't like going that far out anyway.”

“YES! Oh, thank you, Kazhael!” Kisfyire hugged one of the dragon's front legs. He awkwardly tried shaking her off a bit, because he wasn't used to affection of any sort, and didn't like heat, but somehow, somebody showing positive feelings towards him didn't feel that bad.

“So... You said your dad was a red dragon, right? Is he mean? Or is he overly friendly like you?”, Kazhael inquired, still a bit confused by this whole thing but feeling like the mood had lightened considerably.

“Oh, he's neither! He's not super friendly I guess, but he's not mean either! He's the best dad ever!”, Kisfyire replied, glowing with pride.

“Is he? I thought male red dragons usually never even met their young.”

“Well, they don't, but my dad and my granddad are exceptions! My dad let me stay until I was ready to travel on my own, and still lets me visit! He was the one who taught me to treat all dragons equally!”

“He... did? A red dragon, treating all dragons equally? Even... white dragons, such as myself?” Kazhael hadn't heard of anything of the sort, but he was amazed that somebody among the apex of chromatic dragons would consider any lesser dragon as equal to himself.

“Of course! He always told me about your outstanding memory. Actually, why don't we play a memory game? I brought a deck of playing cards!”

The rather unusual pair found a large, smooth rock under a cliff, where Kisfyire could place cards down without getting them wet or dirty, and placed each of them face up on the rock, so Kazhael could see them all, before turning them all face down, instructing him to flip up as many matching pairs as possible. As Kisfyire hoped, Kazhael had been able to flip up almost every pair on his first try.

“See? That's amazing!”, Kisfyire proclaimed, smiling widely as she picked up all her cards.

“I... I guess it was. Incidentally, why was there only one of those lighting bolt cards?

“Oh, you're only allowed to use one per deck. Some players think it should be banned completely, but I think just one is fine.”

The two continued to chat idly about card games and their family histories. Kisfyire hadn't even noticed the cold anymore. Eventually, Kisfyire had an idea. “Hey, why don't you write my dad a letter? He's not really the most social guy, but I'm sure he wouldn't mind hearing from another dragon!”

Kazhael considered this for a moment. Normally, he'd scoff at the idea of willingly contacting anybody, especially a red dragon, but this time he spent with Kisfyire made him realize that he LIKED socializing, and her dad sounded like one of a kind. Surely it's worth a try? “But how would I get the paper? Or something to write with?”

“Um... How about you visit that village you used to steal from, and ask for some paper and a quill or something?”

“Well... I don't think they'd take kindly to that, but maybe if I just apologize...”

After further encouragement, Kisfyire eventually bid her new friend farewell, promising to write to him every now and then. She was relieved to leave the frigid valley, but was delighted to know that she successfully befriended a white dragon. This left three of the chromatic dragon colors she had yet to meet, and as it was her goal to befriend at least one of each, to prove that chromatics weren't inherently evil or hateful towards one another, she knew that she had more to explore, more challenges to overcome... in hopefully less chilly regions.

#musings #writing #writers on tumblr #dungeons and dragons #dragons #in case it wasn't obvious this takes place several years after the last one #kisfyire is no longer a babby wyrmling person

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spicynbachili1 · 5 years

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batterymonster2021 · 5 years

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The art of innovation | Guy Kawasaki | TEDxBerkeley

New Post has been published on https://hititem.kr/the-art-of-innovation-guy-kawasaki-tedxberkeley/

The art of innovation | Guy Kawasaki | TEDxBerkeley

Translator: TED Translators admin Reviewer: Queenie Lee thank you. Sure, it is genuine that i am a Stanford graduate. Do not keep that against me, k? My son goes to Cal, so i have some hyperlink to Cal. It is fairly an honor to converse at any TEDx, but to open one up is rather, fairly specific. So last night I informed my wife, , of all places, to your wildest goals, did you ever think that i’d open up TEDxBerkeley? And she mentioned, honey, you’re now not in my wildest goals.(Laughter) So, welcome to my existence. (Applause) you recognize, the theme of considering and defining and creating is all about innovation, so my speak is in regards to the artwork of innovation. I use the top ten layout. That is on account that I’ve seen so many high-tech speakers, and i’ll inform you, most high-tech audio system suck, so I found out very early in my career when you use the highest ten structure, at the least the audience can monitor progress by means of your speech, so if they believe you suck, they find out about how for much longer you’ll suck. So i have ten key features for you. I worked at Apple, i’ve been a venture capitalist, an entrepreneur, an marketing consultant to Google, I’ve accomplished a number of things, and i have learned so much about innovation, which I would like to cross on to you now so that you could be go and change the world.K? This is my high ten of the artwork of innovation. It starts with the desire to make which means versus earn cash. Making which means signifies that you exchange the sector. And i believe you’ll be able to observe that if you occur to change the world, you’ll also ordinarily become profitable, however in the event you begin off with the only wish to become profitable, you customarily is not going to generate profits, you won’t make which means, you will not trade the world, and you are going to in general fail.So my first idea for you is: check how you can make that means. How can you trade the sector? Here are some examples. With Apple, Apple desired to democratize desktops. They desired to deliver computing energy to every body. That’s the which means they made. With Google, they wanted to democratize knowledge, making knowledge on hand to each person. With eBay, they desired to democratize commerce in order that someone with the website would stand toe-to-toe with some other tremendous retailer.Examples of companies making which means. And YouTube, ultimately, wanted to permit folks to create video, to upload video, to share video. So that is an illustration of the organization and the type of meaning they made. And, as , all of them made this kind of that means they usually’ve been enormously triumphant. So what i spotted in my profession is that for those who real need to make meaning, it’s the first step toward innovation.The 2d step is to make a mantra: a two- or three-, might be 4-word rationalization of why your which means must exist. That is an anti-instance. This is the mission assertion of Wendy’s. The mission of Wendy’s is to deliver superior quality merchandise and services for our buyers and communities by means of leadership, innovation, and partnerships. I have been via Wendy’s often in my existence – I’ve eaten at Wendy’s; I’ve driven by means of Wendy’s – and in each get together, it has in no way occurred to me that "man, what you’re participating in is management, innovation, and partnerships." (Laughter) you know, excuse me, but I concept I used to be simply getting French fries, Coke, and a hamburger. That is the obstacle with mission statements. Do not make a mission statement. Make a mantra. Wendy’s mantra should be "healthy rapid food." Three phrases that verify what Wendy’s is attempting to do.Rather oxymoronic – but "healthy quick food." Nike. Nike has a first-class slogan: simply do it. That’s a slogan. A mantra explains why you will have to exist, and the Nike mantra is "reliable athletic efficiency." And in the end, there may be FedEx. While you definitely, positively need anything somewhere, what does FedEx stand for? It stands for "Peace of intellect." So my 2nd recommendation to you is that while you prefer the sort of which means you are making, try to to find two or three phrases that describe why that meaning must exist.No longer a 50-word mission statement, two- or three-phrase mantra. The third factor is a subject of viewpoint. The viewpoint is to jump curves. Not to stay on the equal stupid curve that you are on. Not to check out to do matters 10% better. Once we were creating the Macintosh, we weren’t trying to make a somewhat higher Apple II or a moderately better MS-DOS laptop. We have been seeking to jump to the next curve of personal computing.The greatest example of this happens within the ice trade. Ice 1.0. Within the late 1800s early 1900s, there was once an ice harvesting business in the us. This meant that Bubba and Jr., for the duration of wintry weather, would go to a frozen lake or pond, cut blocks of ice. 9 million kilos of ice was once harvested in 1900. Their idea of innovation used to be: higher horse, extra horses, larger sleigh, sharper noticed. However it was once basically: look ahead to iciness, live in a cold metropolis, reduce blocks of ice.30 years later, we have now Ice 2.0. Now we now have the ice factory. Most important technological leap forward. It did not have got to be iciness; it didn’t need to be a cold metropolis. You iced up water centrally and delivered it by way of the ice man within the ice truck. Suppose the step forward this was once. No more obstacles by using local weather. No more obstacles with the aid of season. You would have an ice manufacturing facility. 30 years go via, we’ve Ice 3.Zero. Fridge curve. Now, it’s no longer a topic of are you able to freeze water, nearly? Can you put it in a truck? Are you able to give the ice to humans? Now, all people would have their possess personal ice manufacturing unit. A pc, if you’re going to. A individual Chiller. (Laughter) The very intriguing story about all of these curves is that none of the businesses that were ice harvesters grew to become ice factories, and ice factories did not emerge as refrigerator businesses, considering most organizations define themselves in terms of what they do, not the benefits they provide. If you define your self as we reduce blocks of ice out of lakes, you remain an ice harvester.In the event you define your self as we freeze water centrally, you remain an ice manufacturing unit. When you define yourself as we make a mechanical gadget referred to as a fridge, then you definately keep on the fridge curve. Nice innovation happens whilst you get to the following curve, when you go from telephone to web, whilst you go from a Daisy-wheel printer to a laser printer, to 3D printing. Nice innovation occurs on the following curve.The fourth thing is to roll the DICEE. These are the five qualities of pleasant innovation. High-quality innovation is deep. Plenty of aspects. Lots of performance. This is a photo of a fanning sandal made by using Reef. Arguably the deepest sandal ever made. Each sandal has one main motive: to look after your toes. In case you look at that circled subject, that’s a metallic clip. That metallic clip is for the sandal to open beer bottles.This sandal has twice the functionality. Twice the depth of every other sandal on this planet. High-quality merchandise are also clever. When you look at it, you say, "Aha, someone understood my suffering; someone understood my problem." this can be a GT500 Shelby Mustang. 650 horsepower. For those of you in Berkeley who do not price the horsepower in muscle automobiles, that is 6.8 Priuses. (Laughter) I would really like to purchase any such automobiles. Fifty nine years old, going via a midlife trouble, emotions of impotency: I would like … (Laughter) I would like to purchase this automobile to compensate for my emotions of inadequacy. Nevertheless, i’ve two teenage boys; one’s 18, and one’s 20. And i do know that irrespective of how carefully I plan it, there is also circumstances where they are going to pressure my auto. And the idea of them in a 650 horsepower automobile is immoral. (Laughter) I’ve learned, nonetheless, that Ford makes an awfully intelligent product known as the MyKey. And what the MyKey makes it possible for you to do is program the top speed of the automobile into the key.Very wise product. Exceptional products are also whole. It’s the totality of the product. Within the software business, it’s no longer simply the software; it’s not just the DVD. It can be the webinar; it is the documentation; it is the android developers in case you have an android mobile; it is the iOS builders when you’ve got an iOS cell; it is the totality. Best merchandise are also empowering. They make you more creative, more productive. They enhance you. They modify the meaning of your existence.This can be a snapshot of a MacBook Air. In the event you use a Macintosh, it becomes one with you. It makes you more creative and more robust. Extra productive. Windows you have to combat. You ought to battle windows to the ground. You have got to defeat windows. (Laughter) And, in the end, pleasant merchandise are elegant. Somebody cared concerning the person interface. In order you go through lifestyles, and you’re trying to jump curves, ask your self, "Am I developing whatever that is deep and intelligent, and whole, and empowering, and based? Am I rolling the DICEE?" The fifth thing is – I stole whatever from Bobby McFerrin. He had a first-class track. Do not fear. Be glad. But what innovators do is do not worry, be crappy, which is to say, when you’ve got the primary refrigerator, there could also be elements of crappiness to it. If in case you have the primary laser printer, there could also be factors of crappiness to it. While you had the first Macintosh, thanks to my efforts there used to be no program; there was no hard disk, not adequate RAM, too sluggish a chip. Tons of factors of crappiness to it. But, if you happen to waited for the perfect world and also you waited until the chips had been low cost enough, and quick enough, and the whole thing used to be in place, you can in no way ship.And i learned a very valuable lesson. Don’t fear. Be Crappy. When you have jumped to the next curve, it’s okay to have factors of crappiness to your revolution. I’m not saying you should ship crap. I am pronouncing that you just will have to ship matters which might be progressive, innovative, on the next curve that have elements of crappiness to it. Biotech people, ignore this slide. (Laughter) number six is to let one hundred plants blossom. I stole this from chairman Mao even though it can be no longer clear to me he ever applied this. Letting one hundred vegetation blossom means that at the start of first-class innovation, you may also suppose you’ve got in mind exactly who your person is, precisely who your client is, what they must do along with your product.And you can be surprised that men and women are going to use your product in ways you did not assume. It is going to be persons who you did not assume would be using it in any respect. And when this occurs: hallelujah! Thank God that it’s occurring. Positioning and branding eventually comes all the way down to what the purchaser decides, not to what you decide. So, with Macintosh, we concept we had a spreadsheet, database, and phrase processing computer. We have been zero for 3 there. What made Macintosh triumphant was Aldus PageMaker. PageMaker created a area of flora called desktop publishing. Desktop publishing was what saved Macintosh. No longer spreadsheet, database, or phrase processor. If we excited by spreadsheet, database, and phrase processor and ignored computer publishing, Apple can be lifeless today.With Apple dead, it will be a different world. We might all have telephones with real keypads; the batteries would final greater than a day; the GPS would sincerely work. It would be an extra world, proper? Aldus PageMaker was a present from God to Apple given that it saved Apple. I believe in God, and one intent why I feel in God is there is no different cause of Apple’s persevered survival than the existence of God. (Laughter) Let one hundred flora blossom. Do not be proud. Take your first-rate shot with positioning and branding, but then when purchasers use your product, if they are saying it’s a computer publishing computing device: Hallelujah! Declare victory. It is now a desktop publishing desktop.Quantity seven, polarize humans. First-class merchandise, best offerings, exceptional innovation polarizes men and women. This is a TiVo. Humans like me, who travel lots – i like TiVo. Now we have 4 TiVos in our condo. I must time shift various television; i like to observe tv. There are humans who also hate TiVo. Humans who hate TiVo quite often work for giant manufacturers and promoting corporations, on the grounds that individuals like me, we watch promoting someday a 12 months. A few week ago, correct? We watch super Bowl advertisements. The relaxation of the 12 months, we’re quick-forwarding with TiVo by means of advertisements. Exceptional merchandise polarize men and women. If you’re an company, you hate TiVo. If you’re me, you love TiVo. Which you could love or hate a Harley-Davidson. Which you can love or hate a Macintosh. You could love or hate an iPhone. I’m now not pronouncing that you just will have to intentionally piss people off, but i’m telling you that satisfactory merchandise polarize folks. Don’t be fearful of polarizing men and women. Quantity eight is churn, little one, churn. This is stolen from the Black Panthers, who mentioned "burn, youngster burn." but what innovators in industry do is that they churn, child churn.They take variation 1, and they make it 1.1, 1.2, 1.Three, 1.Four, 1.5, 2.Zero; the hardest factor in the world. Seeing that to be an innovator, you must be in denial. You need to be in denial given that the naysayers will inform you it are not able to be achieved, shouldn’t be finished, not vital. You must ignore these humans. However as soon as you ship, you must flip that bit and begin paying attention to persons and churn your product. Change it, change it, and alter it, and preserve evolving it. Quantity nine is the entire advertising and marketing you have to know. It’s to niche thyself. It can be a quite simple chart. On the vertical axis, we measure area of expertise. On the horizontal axis, we measure value. This can be a 2 2 matrices. Whilst you graduate, if you go to work for McKinsey, you’ll be able to be charging five million greenbacks for people to determine that they want to be within the upper correct-hand corner of this chart. (Laughter) Let’s go through all corners, within the backside proper is the place you’ve gotten whatever of high-quality value however it’s not specific. There, you must compete on fee. That is what I name the Dell corner. Slap the same working procedure on the same hardware.You must compete on price. Within the opposite nook, you’ve gotten anything real particular. Best you do it, but it’s of no worth. In that nook you’re simply undeniable silly. (Laughter) bottom left nook, we call that the USC corner. The backside left nook … (Laughter) (Applause) (Cheering) The backside left corner is what I name the .Com nook. In the .Com nook, you’ve something that’s no longer useful and now not distinct. Like purchasing dog food on-line. We buy dog food on-line. You pay as so much for the dog food, due to the fact of transport and handling, and you then have got to be at dwelling when united states of americadrops off the dead cow within the can. So it is no longer very effortless and it is simply as high-priced, so it is now not priceless. And then silly folks like me, seeing that there used to be pets.Com, we made up our minds we needed to have our possess portfolio in pets.Com so there were a couple of methods to spend the same amount of cash on pet food, less conveniently.That’s the worst corner. Now not valuable. Now not detailed. If you want to be in is the upper proper-hand nook. In that nook, you are detailed. Where i am going to movies, i will most effective purchase tickets with Fandango. While you take youngsters to a film, you relatively want to comprehend you’ve got a ticket earlier than you go. By the way, could I particularly endorse the Lego movie? It’s a incredible movie. Believe me once I let you know. Go see the Lego film. Fandango. The only means which you could buy a ticket. Breitling emergency watch. The only watch that may shop your life. Pull out the enormous knob, puts out an emergency signal. That watch can retailer your life. Shrewd auto. Every body has cars that can park parallel to the curb when there is plenty of parking. How many of us have a auto that can park perpendicular to the curb, correct? If you’re an engineer, make a product precise and priceless. If you’re a advertising and marketing man or woman, you be in contact to the world that your product is specific and useful. Quantity ten, best your pitch. If you’re an innovator, you must be taught to pitch.Two key facets about pitching. First, customize your introduction. With whatever personalized to the viewers. This can be a photo of an LG washer and dryer. I used these pictures to introduce my speech in Latin the us when I was once speakme to the LG administration. Nevertheless, to tell you the backstory behind this, I was already in Brazil when I notion about: well, I must use the image of our LG washer and dryer. So I did not have graphics, no longer whatever I lift with me, you know? Portraits of your washer and dryer. So I despatched a text message to my two older boys, one in all whom is within the viewers proper now. His identify is Nic, older boy. Younger boy, Noah. So I despatched them a message saying, , get off the decision of duty that I purchased you on the Xbox that I purchased you in the apartment that I purchased you. Take your iPhone that I purchased you; go downstairs – both of you – take photographs of the LG washer and dryer. I need it right away. Quarter-hour go through, nothing occurs, proper? So, once more, Nic is the older boy. He is the cowboy.The opposite one is in high university nonetheless. So this is what occurs. That is the text message. I send Nic a textual content message. Did you get my textual content message seeing that i do not see the images. Nick responds that Noah, his more youthful brother, mentioned he would take the snap shots. By the way, are you able to get us some free TVs? (Laughter) Welcome to my existence. And then you see my bottom response.I don’t feel so, Nic. Welcome to my lifestyles. The key here is to customize your introduction. When I spoke in Moscow, I spread out with this slide and i mentioned, "Wow, you Russians have massive balls." (Laughter) In Istanbul, I unfolded with this photograph of me within the Grand Bazaar. That guy behind me is the shopkeeper. He’s rather comfortable. You realize why he is fairly completely happy? In view that he’s pondering, this dumbass American tourist is going to purchase this fez. (Laughter) This fez has been in my family for three generations. I eventually located a person stupid sufficient to purchase this fez. Trust me when I let you know, when you’d open up a speech in Istanbul with a factor like that, a photograph like that, you own the audience.Customize your introduction. Extra on slides. 10, 20, 30 rule of displays. The choicest number of slides in a presentation is ten. Ten. Now, you’re all Cal persons. You are now not stupid. You know i am well beyond ten. You’ll be pondering i am a hypocrite. How must I provide an explanation for this? I will explain this: you are not me, ok? (Laughter) Ten slides. You should be ready to present these ten slides in 20 minutes.Yes, you may have an hour slot, but to this day, regrettably, ninety five% of the world makes use of home windows laptops. Those individuals want forty minutes to make it work with the projector. (Laughter) And the last thing is the greatest size font is 30 aspects. A good rule of thumb is to take the oldest man or woman within the audience; divide their age by way of two: 60-yr-historical divided with the aid of two, 30. 50-12 months-ancient divided via two, 25 features. One day, you may be pitching a sixteen-yr-historic VC. That day, God bless you. Use the eight point font. (Laughter) Eleven, as a bonus to my pals right here at Cal: do not let the Bozos grind you down; they are going to try to grind you down. The more progressive you are, the extra they are going to try to grind you down. There’s two forms of Bozos on this planet. I’m an trained in Bozos, good enough? Two sorts of Bozos.Slovenly, disgusting, pocket protector, body smell, only a loser of a man or woman. Rusty vehicle. Eastern watch. You appear at and say, "Wow, what a loser!" That character will not be harmful considering the fact that that character is so surely a loser, only a loser would take heed to that loser. In view that you’re no longer losers, you will not hearken to that character; for this reason, that character isn’t damaging. The dangerous Bozo dresses in all black. The unsafe Bozo owns a number of stuff that ends in "I." Like Armani, Maserati, Lamborghini, Ferrari, ok? (Laughter) Audi is ok, a rare exception.(Laughter) that is the damaging Bozo because you consider wealthy and noted parses too shrewd. However wealthy and famous parses too lucky, now not smart, at the least half of the time. So I believe that Bozosity is just like the flu: you must be exposed to Bozosity in order that while you stumble upon tremendous Bozosity, you might have already built up the antigens. I am going to expose you to a few Bozosity. "I feel there’s a world marketplace for maybe five desktops." Thomas Watson of IBM. Five desktops. I have 5 Macintoshes in my condo. In other words, i’ve all the computers he predicted in the world, in my condo at present."This cellphone has too many shortcomings to be significantly considered as a way of communique. The gadget is inherently of no price to us." Western Union, inside memo, 1876. Western Union wrote off telephony in 1876. Western Union must be PayPal today. Oops! (Laughter) there’s no purpose by using someone would want a computer in their residence – Ken Olsen. Great innovator, quality entrepreneur, stated this about computer systems. There isn’t any motive to have a pc on your dwelling. How many have a pc on your residence in these days? When you consider that in keeping with Ken Olsen there isn’t a purpose. He was a first-rate innovator, great entrepreneur, however he was so successful on, let us say, the ice manufacturing unit curve, he would no longer recognize the subsequent curve, the refrigerator curve. And that’s the artwork of innovation. Thanks very much. (Cheering) (Applause) .

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airoasis · 5 years

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The art of innovation | Guy Kawasaki | TEDxBerkeley

New Post has been published on https://hititem.kr/the-art-of-innovation-guy-kawasaki-tedxberkeley/

The art of innovation | Guy Kawasaki | TEDxBerkeley

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keepitstable · 6 years

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What do you mean, keep it all on the TABLE?

An example for illustration: I do not work now in the investment industry but I have in years past. I’ve come to the conclusion that most investment products sold by investment companies or banks are just crap on toast. I mean terrible. I really mean most of them too, as in more than 70% of the investment market is terrible to the common, individual investor. Unfortunately, most investors maintain a relationship with their retail broker/planner/advisor without knowing whether they are subject to high investment or other fees. They utilize informal information systems, like the reputation of the broker in the community or church or other charity, to determine whether their money should be stewarded by the broker/planner/advisor. The misinformation and cognitive dissonance can be staggering when considering opportunity costs and a long career/investment horizon. The after-tax and fees return data (key word) should drive the decision of who should be your advisor/planner/broker, not whether she is well-dressed, cordial, empathetic, or even intelligent appearing, whatever that means.

If you haven’t already, read the book, A Random Walk Down Wall Street. The author is Dr. Burton Malkiel. I don’t get anything from anyone for recommending this book, it is just that one book that stood head and shoulders above the rest when studying for my M.S. in Finance. It had tons of good data and highlighted the mistakes of judgment all around the investment industry. The rarity of beating the market is way understated in the investment industry, I think by design. There’s entrenched interest in keeping this misinformation (beating the market is so doable) lingering and on equal footing with the bare-knuckles truth (even amazing investment managers rarely beat the market) to the average Joe.

Keeping it all on the TABLE: most investments in the U.S. are garbage for the average Joe. I am an index investor, thanks a lot to Burton Malkiel, and I invest in low-cost index funds with Vanguard (again, I get nothing from anyone for saying this and I don’t speak in any way for them). I started index investing in 2005 with only a couple thousand dollars, when I got out of the Army, and am happy that I’ve averaged double digit annual returns, after all fees, up to and through this year in my investment accounts. I hear there are lower-cost index funds out there, literally run mostly by robots, and I encourage folks to find the ones with integrity and invest in them to optimize the principles from A Random Walk Down Wall Street.

What does it look like when someone does not keep it all on the TABLE? If I didn’t keep it all on the TABLE, I’d likely be telling folks that (a) 1% or more is a good rate for investment management (common in retail brokerage), (b) that 12B-1 and other fees or loads are normal and reasonable, and the big one ( c) that your broker/planner/advisor is probably not screwing you. What’s sad is that most folks in the investment industry do not keep it all on the TABLE.

You don’t have to pay more than 1% for investment management fees, you don’t have to pay marketing or 12B-1 or other fees or loads, you don’t have to buy variable rate annuities. What’s really shady is that sometimes these variable rate annuities are very sneakily called “fixed index annuities.” See how close that name is to index funds, which are very often good, reasonable investment vehicles. To be clear, if you or your family or friends deal with any broker/planner/advisor, which is highly likely, then it is more likely than not that that broker is charging you a lot more than he should (guess who that benefit accrues to) for returns that do not outperform index funds--inferior returns. That’s right, a random sample would show most people pay far too much in fees for way inferior returns, relative to the S&P 500, and other low-cost indices.

I mean business when I say that almost everyone out there is getting screwed badly by their broker/advisor/planner. Even the wealthy are often getting served garbage in their investments. How bad is it? Well, let’s just say a young intern at a high net worth ($2MM+) investment firm ($2B+ in assets under management) not long ago ran the numbers with the portfolio manager at his firm, a “financial planning” firm (really almost all their money came from investment management, the financial plans were just a loss lead to get assets under management). The firm was quite connected in a wealthy community, read country club/informal information sources, in a big city. The firm charged a common high net worth 1.25% in investment fees. By the time the intern ran the numbers and the data was all there in plain sight, the portfolio manager readily admitted that index investing would have been better--far better--better by a mile--no comparison better than investing in the firm/his actively-managed portfolio. He was the guy doing the money management, making the trades. Why was the index better? Because of churn, that’s all the buying and selling within the clients account thinking hot new data is gonna work some superior magic. The kicker in the teeth for clients was the high fee. Yes, that 1.25% in fees charged for “superior insight and service”, when the indices were charging .25%, compounded (key word) to create a hugely crippling disadvantage for the firm’s actively-managed portfolio. The index was far superior and it wasn’t even close.

What do I mean by keep the cognitive dissonance out? When you work in an industry for years and understand that the unspoken reality of being a financial planning or advising firm is that you’re trying to get as much in assets under management as possible so you can charge high fees for returns you know are inferior, what you’ve turned the client into is a mark. That’s right, a mark, a rube, target. It is important to remember what we call these products by law: securities. Sometimes they are not secure at all. Bond, yeah right, like jello it bonds. When you the planner/advisor/broker suspect or know that you’re optimizing your information asymmetry (e.g., you know your returns are inferior to the S&P or other comparable indices and you work hard to keep the client from being informed about the crap sandwich you’re serving her), you’re engaging in cognitive dissonance. What’s worse is this is your life’s work. Your alleged care and concern for the long-term good of the client, often going overboard on the financial “planning” rhetoric, combined with the assertion of security and trust (the accounts are called “trusts” most times), creates the dissonance. Sometimes it is all very subtle but other times it is so integral to the program/business that it is unavoidable. An example of this idea is when you know a variable rate annuity is garbage but you sell it to an elderly widow anyway. This cognitive dissonance often corrupts the planner/advisor. She can easily forget what she entered the field for in the first place. The deception of the client becomes a corrupting force within the broker/planner/advisor’s mind, which can sap motivation.

To clarify this idea, there will always be information asymmetries in market economies/under the price system. Also, to be sure, in a general sense the price system is the best of all systems known to mankind by which we should organize our society. Does it cost the local burger joint $3 to make the burger so that if the price is $4, the profit on the burger to the burger joint is $1? I don’t know. The burger joint holds an information asymmetry in my not knowing, one I readily concede. I could find out the real cost with research but I don’t have a lot of time to do that and the cost of the burger relative to my time/opportunity costs is negligible. So I’m fine with the information asymmetry that the burger joint holds in the transaction.

It is important to remember in the context of this discussion, in addition to the fact that investments aren’t burgers, that your investments are within a legal construct filled with euphemisms and psychology. Unfortunately for most folks though, more than just a lunch at the local burger joint is at stake. However, the decision to ignore what the actual returns are from most brokers/planners/advisors, and what fees the investor is really getting hammered with, is a mistake. This mistake puts the average client’s analysis of his nest egg right down there with that hamburger in terms of how much real thought, consideration, or data goes into the investment decision.

Sometimes the difference between a common load-fee fund investment in your local Edwardo Jonestown firm and an index investment can really mean the difference between retiring at age 60 and not being able to retire at all. This is an area of life worth digging into, really. This decision is important enough to eliminate the cognitive dissonance. It is like Jack Welch says, “Get the data.” In most instances, just go ahead and fire your broker/planner/advisor. Find the low-cost index fund and move your money. Don’t ask, just tell your advisor/planner/broker what you’re going to do and then do it, once you’ve evaluated the fees and indices. To do this look on financial websites, which often publish fund fees. I get mine from Yahoo! Finance by typing in the fund ticker at the top of the page and going to the profile tab. The annual expense percentages are at the bottom on the right. I’ve been looking at these expense numbers for various funds every now and again for about 12 years.

In short, I hope you see from this post how I try to keep it all on the TABLE. I’ll focus more sometimes on other business areas in other posts. This blog may look a little more like formal legal writing at times, not too often I hope. Nonetheless, we’ll try our best to keep the cognitive dissonance out, even if that alienates most of the investment or any other industry or belief system.

As I’ve seen in the tax law arena, some CPAs/attorneys shimmy up to brokers/planners/advisors, which are mostly bad, for their potential connections to clients; in order to win business you usually need exposure to the potential clients. These tax/business law practitioners often stay away from clear realities like I’ve articulated in this post in hopes of economic gain. They don’t keep it all on the TABLE. They often engage in a similar kind of cognitive dissonance as I’ve described in detail above but since it is someone else doing the hoodwinking/overcharging, that is, the broker/planner/advisor, the shimmying CPAs/attorneys don’t feel as culpable.

Telling the truth, doing the ethical thing, and keeping the cognitive dissonance out in tax and business law ethics, are all part of keeping it all on the TABLE.

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