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Just my thoughts #0530

To receive investment or borrow money is to use the “future” in advance. We should be cautious about using the “future” ahead of the present. The way to determine whether a transaction is favorable or unfavorable is to assess whether the time associated with it is beneficial or hostile to you. Time affects both the weak and the strong equally. This fairness is daunting. It embodies the fear that there are no exceptions to this principle. If the amount of sand (time) in both hourglasses is the same and the gravitational pull is equal, but the amount of sand falling is different, the outcome is significantly different. The fairness of time causes those who live in the future rather than the present to consume irretrievable value. The poor either do not recognize or overlook the fact that increases or decreases in wealth inevitably discriminate against those who live simultaneously. There is nothing more foolish than moving forward in time knowingly. - Joseph’s “just my thoughts”

Just my thoughts #0174

Founded in 1991, the American craft beer company, New Belgium Brewing Company, is unique because its employees hold all the shares. Since 1996, the founding couples have distributed 10% of their shares to employees annually as incentives, and they have now completely transformed the company into an employee-owned entity. Currently, the founders hold no shares in the company. Furthermore, all employees receive financial training to enhance their management mindset. Training in financial statements, which includes everyone from minor clerks to executives, is standard practice for the company. Running a company without the ability to read financial statements is like signing a contract without understanding the terms. - Joseph’s “just my thoughts”

Just my thoughts #0057

Most people substitute the issue of choice with the issue of ability. They recognize they cannot do it because scaring to make the wrong choice or lack the knowledge. Banks pay me 1 to 2 percent interest annually on deposits but charge me 4 to 5 percent on loans. It's a game where I'm losing money in every way. Then, I want to avoid putting my money in the bank. It would be better to use it to purchase that bank's stocks as a substitute but meticulous care is required. To make a choice, you have to conquer your fears. How is this a difference of ability? - Joseph’s “just my thoughts"