1041 Chapters
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Medium 9781622500291

Borrowing Money 1

Saddleback Educational Publishing Saddleback Educational Publishing PDF

name

_________________________________________

date ____________________________

BORROWING MONEY I

Notice the boldfaced words as you read the passages.

Complete each sentence by writing your word choice on the line. Context clues from the passage can help you select the best word. The first item has been done for you as a model.

Those who borrow money must pay back the principal amount of the loan. They can also expect to pay interest on the money they borrow. Before lenders grant a loan, they will usually ask for collateral as a guarantee of payment. If borrowers default on a loan guaranteed by a property, the lender can claim that property. In some cases of nonpayment, a bank might claim, or repossess, a car or a home.

1. Banks, finance companies, and credit unions are typical lenders

______________________

( lenders / principal / interest ).

2. These businesses profit from the ________________________

( principal / interest / collateral ) they charge on loans.

3. To avoid losing money, a lender often will ask a borrower to “back” the loan with ___________________________ ( interest / principal / collateral ).

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Medium 9781576752463

Principle 10: Expose Yourself

Treasurer, Bill Berrett-Koehler Publishers ePub

156


Like a lot of men, my relationship with my father is complex. Over the years it has moved from love, to hate, to love again. When I was a boy, he was the hero of the household, leaving to conquer the world each morning, and sitting at the head of the dinner table each night. But as I moved into adolescence, and then into my young twenties, we argued a lot. The problem was, we were similar people looking at the world in different ways; he with jaded cynicism, me with rose-colored glasses. I resented him for always dousing my idealistic optimism for a better world with resigned pessimism for a worse one. He was no hero, I thought, just a bitter curmudgeon who’d let life beat him down.

As my resentments toward my father deepened, I wrote him off. Though I had moved away from home to become a high diving gypsy at 21, I often stayed in close contact with the rest of my family through cards, letters, and occasional phone calls. But I purposely left him out. He is a bad father, I told myself, so I will be a bad son.

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Medium 9781523094905

Chapter 16: Welcome to the New World

White, Kimberly Berrett-Koehler Publishers ePub

Rachel was the type of elfin old lady whose delicate frame seemed like it might fracture at a touch. Her skin was creased with dry, papery wrinkles—nothing on her had sagged with age, only contracted. She was clear-minded and carefully dressed in crisp slacks and a pristine yellow cardigan, recovering from surgery in the nursing home but due to return to her daughter’s home later that week. The staffer with me asked Rachel if she would mind talking to me about her life, and she replied, “Oh, sure,” in a voice that was steady but very quiet, so quiet that I had to kneel next to her bed and lean close to hear her.

She began talking of her life and her beloved parents and the tragedy it was that she had no pictures of them. That seemed terribly sad to me, and when I said so, she gently took my hand. She held it while she continued. She told me she came from a large family and she was the only one left—the only one who “made it out,” as she put it. She spoke about her older sister’s long, beautiful golden hair, which she wore in braids. I could hear in her voice the artless adoration of a younger sister for an older one; she gloried in that hair as though it had been her own.

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Medium 9781576757642

2. What is my faith in the future?

Wheatley, Margaret J. Berrett-Koehler Publishers PDF

What is my faith in the future?

Where does the future come from? It often feels these days as if the future arrives from nowhere. Suddenly things feel unfamiliar, we’re behaving differently, the world doesn’t work the way it used to.

We’re surprised to find ourselves in this new place—it’s uncomfortable, and we don’t like it.

The future doesn’t take form irrationally, even though it feels that way.

The future comes from where we are now. It materializes from the actions, values, and beliefs we’re practicing now. We’re creating the future everyday, by what we choose to do. If we want a different future, we have to take responsibility for what we are doing in the present.

I have faith in the future because I know it’s not a predetermined path we’re obligated to walk down. We can change direction from here.

It requires critical thinking. We need to look thoughtfully at what’s going on, and decide what we want to do about it. Luckily, critical thinking is a skill easy to develop in all people. In Paulo Freire’s work with economically poor people, they became skilled thinkers when they saw how reading and analysis would give them the means to fight back against their poverty. People learn quickly when learning offers them the possibility of a better life.

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Medium 9781626560956

3 A Melted Heart

Smith, Seth Adam Berrett-Koehler Publishers ePub

The notion that our lives are like the eternal cycle
of the seasons does not deny the struggle or the joy,
the loss or the gain, the darkness or the light,
but encourages us to embrace it all—and to find
in all of it opportunities for growth.

PARKER PALMER, LET YOUR LIFE SPEAK

One morning, the Selfish Giant woke up to music so sweet that “he thought it must be the King’s musicians passing by.” In reality, it was the singing of a little bird in his garden—a sound that signified the coming of spring, and one he had not heard for many years. He ran to his window and “saw a most wonderful sight.”

The children had discovered a hole in the wall and had crawled back into the garden. And, as if by magic, anything that the children touched burst into life. “The birds were flying about and twittering with delight, and the flowers were looking up through the green grass and laughing.”

Seeing this, the Giant’s heart melted and he cried out, “How selfish I have been!” Although the Giant had built what he had imagined to be an impenetrable wall, the children had found a way to come back. The stony wall around his heart was eventually penetrated by the love and humanity of others.

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Medium 9781576752302

Choice 11: Direct Your Inner Theater

Manz, Charles C. Berrett-Koehler Publishers ePub

All the world’s a stage, And all the men and women merely players. They have their exits and their entrances, And one man in his time plays many parts.

—William Shakespeare, As You Like It (II, vii)

One of the most effective emotional discipline choices we can make calls us to apply the power of the theater. I’m not talking about Broadway plays or going to the movies. Rather, I’m talking about the elaborate, moving productions that perform in our minds every day.100

Neuro-Linguistic Programming (NLP), developed in the early 1970s by Richard Bandler and John Grinder, offers tools for capturing the power of our inner theaters. It focuses on the content of our subjective experiences and offers a practical approach for addressing how we think. NLP “holds that people act based on internal representations of the world and not the world itself.”44 Many different popular self-help writers and trainers have used NLP as part of their message. Perhaps the best known of these NLP advocates is the popular Guru Anthony Robbins.

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Medium 9781576756300

The First Breath

Crum, Thomas Berrett-Koehler Publishers ePub

Hanford Park was unusually empty on this crisp fall morning. They left the car and Angus followed the old man to a little opening among some aspen trees, adjacent to a pond where ducks happily paddled about before they headed south for the winter.

“I am a small, elderly man, wouldn’t you say?”

Before Angus could answer, the old man continued, “And you’re a big strong guy. I want you to lift me up off the ground.”

Now what have I gotten into? worried Angus, checking around anxiously to see if there were any observers.

“Use your legs so you don’t hurt yourself and lift me up.”

Angus glanced at his watch. What possessed me to listen to this guy?

Angus was a good six inches taller and seventy pounds heavier than the old man. He put his hands under the old man’s arms and easily lifted him a foot off the ground.

“Thank you. Now place me back down.”

Angus did as he was instructed, wondering about the sanity of the little man.

“I was right. You’re very strong! Now I’m not going to change anything physically, and I don’t want you to change how you lift. Simply pick me up again.”

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Medium 9781576752630

16. My First Funeral

Izzo, John B. Berrett-Koehler Publishers ePub

131


There is a Chinese proverb: “The one who plants the tree rarely enjoys its shade.” I have shared that saying with thousands of people over the years and it seems to strike a chord. Maybe it hits home with us because we spend so much time planting trees and so little time sitting in the shade, maybe it hits home because we rarely feel we see the results of our work. Or maybe, just maybe, it is an expression of our deepest hopes, that part of us which is still innocent and idealistic, that believes one day all of our work will bear fruit and the world will be a better place because of something we did. If we are to reclaim our innocence, we must rediscover our faith in seeds, our belief in the power of something to grow even when we cannot see it. And faith above all things is about believing in the things we cannot see or hold in our hands.

I have seen this proverb play out many times. My first assignment after seminary was as assistant minister at First Presbyterian Church in Norwalk, Ohio. Within two months of my arrival, the senior minister went on a month-long European vacation. For those unfamiliar with church work, the assistant minister usually does all the work the senior minister has earned the right not to do anymore: teach Sunday school, work with the youth, facilitate endless meetings, and so forth. The senior minister does most of the “important” work: preach the Sunday sermon, conduct weddings, baptize the babies, and bury the dead.

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Medium 9781626562615

Chapter 1. The Multitasking Myth

Zack, Devora Berrett-Koehler Publishers ePub

I’m great at multitasking.

Multitasking is neurologically impossible.

No man is free who is not master of himself.

EPICTETUS

Multitasking fails us.

Let me take that one step further. Multitasking doesn’t even exist. We’ll circle back to this alarming yet scientifically backed claim later.

Why are so many people drawn into the albatross of multitasking? We are collectively thwarted by modern-day plagues such as:

Too much to do, too little time

Cluttered life, cluttered mind

Growing piles of daily demands

A whirlwind of distractions

Nooo! [Cue eerie Halloween music.]

This list is the tip of the iceberg. Go ahead; brainstorm a few dozen examples of your own. I’ll wait here, tapping my foot, growing ever more anxious that I’m wasting my irreplaceable time.

When you return, check out how one guy I interviewed described multitasking in daily life: “What is the impact of multitasking when looking at text messages while driving? Reading the newspaper while talking on the phone to colleagues? Watching NFL Live when your wife wants to talk about schedules? You run into the car ahead of you, agree to finish a project before it can possibly be done, and schedule a business trip on your father-in-law’s birthday.”

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Medium 9781626563018

Chapter 5 Step 1—Clarify the Choice

Neuwirth, Peter Berrett-Koehler Publishers ePub

STEP 1—CLARIFY THE CHOICE

If you are going to use Present Value to make better decisions, the first and arguably most important step is to be clear on what your decision is. Too many times when we find ourselves in a quandary, we ask ourselves “What should I do?” and then try and formulate a plan of action. By now it should be clear that there is another more precise question that should be asked, and that is “What are the alternatives that I am trying to choose between?”

One thing I don’t want to do is to characterize Present Value as a magic bullet that can solve all of your problems. There are plenty of issues and choices we face where Present Value thinking is not helpful, but in many more cases than might be apparent, Present Value thinking can provide a systematic way of approaching decisions that leads to better outcomes. Fundamentally, Present Value allows you to compare and evaluate different alternative paths that you already see. It does not allow you to develop new answers to questions that arise.

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Medium 9781609949327

Chapter 4 Reflect—What’s Real for You?

Leider, Richard J.; Webber, Alan M. Berrett-Koehler Publishers ePub

If you talk with people in the latter part of their lives and ask them to look back on how they’ve lived, you’ll hear a consistent refrain: “If I were to live my life over, I’d be more reflective.” Dig a little deeper, and they usually add, “Happiness is a choice, not a result of how life treats you.”

What they’re really saying is, reflection is all about choice.

What is reflection?

First, let’s dispel some misconceptions. Start with what it isn’t—and what it doesn’t require you to do.

Reflection doesn’t require you to go off to a monastery. You don’t have to light candles and learn to sit in the lotus position. Soothing music isn’t necessary; you don’t have to practice chanting or learn a mantra. (To be fair, these may be helpful practices for some people; they’re just not required.) The point is, it’s not an esoteric experience designed to make you self-conscious—at least not in an uncomfortable way.

But you do, actually, want to become more conscious of yourself—in a good way.

Reflection is about pausing to look at life from the inside out. It goes back to the Life Reimagined Spiral. In trigger moments we tend to do two things: we go higher, and we go deeper.

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Medium 9781622500291

Discount Stores

Saddleback Educational Publishing Saddleback Educational Publishing PDF

name

_________________________________________

date ____________________________

DISCOUNT STORES

A. A discount store offers goods at a reduced

price. Here are some words to know when you’re shopping in a discount store. Circle the hidden words in the puzzle. They may go up, down, across, backward, or diagonally.

Check off each word after you circle it.

___ discount

___ outlet

___ flaws

___ irregular

___ seconds

___ bulk

___ markdowns

___ blemished

___ deal

___ bargain

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1. If you’re having a party and need lots of potato chips, go to Buy-Right Discount

Groceries. Buy-Right chips are cheap, but customers must buy in b __ l __.

2. Remember that it’s no b __ __ __ __ __ n if you have to throw away half of the chips.

3. Calvin Clone, the famous designer, sells half-priced jeans at his factory o __ t __ __ __ store.

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Medium 9781576757642

4. What am I willing to notice in my world?

Wheatley, Margaret J. Berrett-Koehler Publishers PDF

What am I willing to notice in my world?

During the winter of 2001, I was in England shortly after a devastating earthquake in India. Daily, the BBC carried photos and descriptions of unbearable suffering, along with interviews with Indians in London whose families lived in areas most affected by the quake. It was a sobering experience, day after day, to listen to the stories and look at the images of horror. During this time, I had dinner with a spiritual leader whose compassion had already led him to India many times to establish orphanages and schools there. These orphanages were unlike traditional orphanages—they were clusters of homes where children lived into adulthood as a community. I was impressed by how much caring had gone into these facilities, and the depth of his love for the people of India.

However, when I began talking about the earthquake, I was surprised when he replied: “I can’t deal with it or even think about it. It’s just one more overwhelming devastation visited upon a third-world country.” I wasn’t shocked by the sentiment, but by the words coming from him. How could he work so actively for India, and then close down in the face of this suffering?

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Medium 9781626567719

1 Reframing—The Shortest Path from Threat to Opportunity

Peterson, Rick; Hoekstra, Judd Berrett-Koehler Publishers ePub

If opportunity doesn’t knock, build a door.

—MILTON BERLE

At its core, reframing describes the skill of consciously and intentionally thinking about a situation in a new or different way. This, in turn, allows us to shift the meaning we attach to the situation, the actions we take, and the results we achieve. The operative word in our definition is skill. In other words, it’s not something some are gifted with and others are not. With practice, reframing can be learned by anyone.

reframe [ri: ‘ freım]

The skill of consciously thinking about a situation in a new or different way to change how you interpret the situation, the actions you take, and the results you achieve

Blanchard Executive Coach Kate Larsen shared the following analogy with me to describe how reframing works.1 You hop into your car and start the engine. The radio is already on and is playing a song on one of your preset stations. The song is like the voice in your head (a.k.a. your self-talk), often filled with emotion. The preset station is the equivalent of a long-held assumption or belief.

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Medium 9781626569324

Chapter Six: The Fifth Thief: Comfort

Izzo, John B. Berrett-Koehler Publishers ePub

The final thief—comfort—is an insidious one. In fact, at first glance it may even appear as a source of happiness rather than a barrier to it. This thief is like a lethargic person on the sofa, TV remote in hand. It wants us to stay on the same channel, in the same comfortable position, stuck in a routine that is not life giving. It does not care about the consequences of this routine, even if the channel we are on is no longer of interest to us or serving our higher needs.

There is a story that provides a wonderful image of what we are like when this thief is running our lives.

A man was sitting atop a large horse that was racing through a small village. The horse was running at top speed, and the man looked as though he might fall off at any moment. A stranger yelled to the man, “Where are you going?”

The man yelled back, “I don’t know; ask the horse!”

When this thief is monopolizing our home, we are like that man on the horse: we find ourselves on autopilot, driven by routines and habits that may seem comfortable but simply don’t serve us.

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