‘The Edge’ – Film Review and Analysis

“Whether it was ‘The Revenant’ with Leonardo DiCaprio or ‘The Grey’ with Liam Neeson, these films highlight man’s struggle to overcome the elements, the animals, and even his own demons. Many of these ‘man v. nature’ films focus on one main lead and a small cast of supporting characters but most of the film’s runtime is about the sole main character. ‘The Edge’ is different.”

I have always really liked Man vs. Nature type of films. Even though they have similar premises and conclusions, it really is a raw kind of film that grips you and leaves you wondering what you would do in a similar kind of situation. Whether it was ‘The Revenant’ with Leonardo DiCaprio or ‘The Grey’ with Liam Neeson, these films highlight man’s struggle to overcome the elements, the animals, and even his own demons. Many of these ‘man v. nature’ films focus on one main lead and a small cast of supporting characters but most of the film’s runtime is about the sole main character. ‘The Edge’ is different.

In ‘The Edge’ (1997), this survival film does something else by highlighting two men who have different intentions and different backgrounds. One is a wealthy man named Charles Morse (played by Anthony Hopkins) and the other is a photography presumably who take pictures of models and is very much a person of the city who is not used to nature or wildlife. Bob Green (played by Alec Baldwin) has ulterior motives in mind but comes off as affable and friendly enough in giving Charles a gift for his birthday in the form of a hunting knife. Charles is accompanied by his beautiful wife, a model named Mickey, who Bob takes pictures of as well as Bob’s assistant, Stephen, who is also new to being in wildlife. The small group are joined by a few friends in a cabin in the Canadian wilderness to celebrate Charles’s birthday.

From the beginning of this film, you can tell that Charles is more comfortable with his intellectual pursuits than with his friends. He loves Mickey, his wife, but he understands that he is more interested in books than in people. Charles is particular obsessed with a survival book / guide that he is reading and is fascinated by the natural surroundings that he has brought the group to and the people who hunt there for bears and other wildlife.

Charles’s fondness for nature and of survival are to come in handy later on in the film and is an excellent use of foreshadowing when things go haywire later on. During this birthday celebration, the viewer can also tell that Bob while he is kind to Charles is envious of him, his life, his money, and his wife. He openly flirts with Mickey and kisses her platonically. Charles can sense this animosity and is wary of Bob’s intentions.

Part of the reason why they all have come up to the Canadian wilderness besides Charles’s birthday is to find, interview, and take photographs of a famous Alaskan Indian hunter. During their flight, as Bob and Charles make small talk, Charles blurts out of the blue to him: “How do you plan to kill me?”. Before Bob has a chance to respond, a flock of birds come out of nowhere and strike the plane’s engines and its windshield killing the pilot and causing a downward crash.

The plane crash lands in the lake and all three men (Bob, Charles, and Stephen) are all shook up but survive the crash. The pilot does not but the men quickly realize they may be stranded for a while. Charles, given his survival skills knowledge, takes charge and encourages the other two men not to panic and to learn from him. Using his encyclopedic knowledge from his memory, he is able to make a compass to plot their course forward, make a small fire, and also give them advice about how to proceed.

Charles is not perfect in his survival skills and he almost gets swallowed up by a river rapid that almost carries him away until Bob pulls him out. For most of the film, it is unclear to the viewer how the two men really feel about each other. Their survival and getting out of the wild takes first priority. This becomes even more pressing when they wander into the territory of a giant Kodiak bear who is a real ‘manhunter’ as Charles calls him.

Stephen injures himself while climbing and Bob mistakenly hangs up the blood-soaked clothes of Stephen later on at night around the fire drawing the bear to him. This costly mistake leads to the Kodiak bear tracing their scent and finding them. Instead of burying the clothes, Bob lets them hang above their campsite causing Stephen to be attacked and brutally killed by the bear. Bob and Charles barely escape and realize that if they want to survive this ordeal, they must band together to trick the bear and then kill him.

Food is also a concern for both men as they haven’t eaten anything since they crashed and will starve to death if they don’t kill the bear. This is another instance where Charles comes in handy as he is able to distract the bear while Bob goads the bear into falling into their trap. By working together as a team and using a hidden spear to impale the bear, Bob and Charles are able to kill the bear together even when they both end up wounded from the encounter.

This is a small victory in the long road to survival for both men as they are able to eat well, don bear skins, and even find a cabin where they can get supplies. However, this is not the end of their animosity or wariness of each other. Man’s most fatal enemy is not nature or animals but often his fellow man and that comes into play.

While Charles is a smart and dedicated man to have achieved his wealth and success, he may have been naïve to who Bob is and what his wife Mickey was doing with him. Bob is not a survivalist and relies on Charles to survive but with the bear vanquished and having reached a cabin with some ability to reside there for some time, does Bob need Charles anymore and will his wife Mickey miss him if he didn’t come back?

The viewer has a lot to absorb and while I don’t want to spoil the film’s ending, ‘The Edge’ is not just about survivalism, but the edge of our tolerance of one another or our shared cooperation when a woman or money or prestige comes between people. Both men are not perfect, and they gain more when they cooperate rather than try to kill one another. Bob has the negative traits of hubris, envy, and short-sightedness. He is not able to survive the woods without Charles but wonders how much he truly needs him now that they have conquered the bear. He also covets Bob’s wife and wonders if he could murder Charles and get away with it by making it look like an accident.

Charles is an avid survivalist but may be naïve about the people around him. He also knows that Mickey and Bob and other people may take advantage of him and he may not know if they truly love him for him or if it is for his wealth and influence. While Bob is a personable, fun, and outgoing, Charles is an introvert with a love for knowledge and learning. They are opposite personalities, which is why they clash at times during this film.

While being in a precarious, life-threatening situation can bring the best out of people, it can also bring the worst out of the people, which is why ‘The Edge’ is a great film. Survival films like it do not just focus on the brutal realm of the wilderness where our creature comforts and our money cannot protect us, but they can also focus on man’s cruelty to man as well as our ability to work together too. ‘The Edge’ does a good job of pointing out how we can rise to the occasion when our survival counts on it but also shows us how dark human nature can be when we feel compelled to act out of jealousy, rage, and deceit.

‘The Edge’ is a great and underrated film, which I do highly recommend. The vistas of the Canadian wilderness are brilliant shown through the cinematography. The Kodiak bear, which was played by a real bear, named Bart, does a great job of showing how terrifying and powerful a giant bear can be when it is attacking you. Anthony Hopkins and Alec Baldwin are respectively some of the best actors of their generations and they do a great job of highlighting the unique personalities of their characters. You really believe the scenarios that they could find themselves in having been stranded in the wilderness for weeks. It is a believable kind of film from being able to make a fire, to finding fish in the river, to being attacked by a bear, to climbing and hiking day after day in unknown territory.

‘The Edge’ is overall a very compelling and realistic film. It does a great job of blending elements of ‘man vs. nature’, ‘man vs. animal’, and most importantly ‘man vs. man’, which is an element missing from our survival films. I would be lying if watching ‘The Edge’ didn’t make me want to buy my own survivalist guide to learn about how to survive in the wild for days or weeks. A terrifying plane crash, a boat whose engine doesn’t start, or a car engine that goes dead is enough to make anyone panic.

I believe it is important to prepare like Charles did for that kind of horrible situation and not to panic or dwell with shame. As Charles says at the beginning of the film, “Those who get lost in the woods often die of shame because they were ashamed that it happened to them.” This is an important quote of his to keep in mind. When the chips are down, you have to use your knowledge, resources, and will to survive whatever the circumstances. The best time to start preparing for that kind of occurrence is now.

How to Spot a BS Artist

I do not like to speak ill of people, but I do think it is important to warn about certain people who may not have your best interests in mind. You may want to look out for what I will reference as being ‘BS Artists’ as I do not like to curse in my writings. I will tell you what a BS Artist is, what to look for in spotting a BS Artist, and how to avoid them as best as you can. BS Artists do not necessarily intend or want to be mean and they are not necessarily bad people, but they can be deceptive, misleading, and not have your interests in mind.

BS Artists are definitely not your friends even though they may initially appear to be friendly. They seem to care about you initially and remember certain details about who you are. Their kind of friendliness is an obvious bit of shallowness that leaves you feeling a little let down. You can tell after a little while that the friendliness was not genuine, that they are looking to curry a favor or are trying to take more from you than they want to give back, and they are mainly looking out for themselves and want to take advantage of your time or your money.

A BS Artist will do their best to convince you of something without giving any proof or by hyping something up without checking his or her facts. They do not see lying as that bad if it’s a means to an end even if that hurts people’s feelings or misleads them. They resent facts and the truth and will attack you if you push back on them. If it is in their interests, they will BS their way even if it means disregarding the truth to further their own agenda even if it causes harm.

Instead of admitting that they are wrong or that they do not know or to say that they need to find out the facts first, they go ahead with illogical assumptions and conclusions on any given subject and will not back down at any cost. They would rather ‘save face’ or maintain positive relations with others rather than be honest and upfront about what they might have been wrong about. Because lies upon lies can do the most damage, BS Artists cause a lot more harm because the little white lies become big lies and before they can admit fault, many people can be hurt from being misled.

It is not a bad trait to be confident, but BS Artists take it to the next level by being cocky and showing hubris even in the face of contrary evidence or contradictory claims. They can be overconfident, selfish, and demeaning when other people disagree with them or want to debate regarding the facts of the matter. Being that cocky will get a BS Artist into trouble and can cost them dearly even if they are able to evade the truth for a little while. Even if they put off the truth for months of years, it will come back to bite them and it could cost them money, their jobs, their families, and their freedom.

From devious landlords to banking fraudsters to pyramid scheme creators to corrupt politicians, they are all BS artists at the heart of it and while some people in these professions are good people and care about others, BS artists in these fields of work give others a bad reputation because of the heinous acts they end up committing.

What we have to do as a society is to not enable them to rise to influence other or hold power over others. It starts with a strong sense of accountability, ethics, and holding people responsibility for their actions. It has to also begin with not any of the small lies slide which end up becoming bigger and bigger lies that cause a lot more damage the more a BS artist gets enabled. A BS Artist is bad enough but when he or she has free reign to do as they please with no consequences so then the rest of society will be left holding the bag and with no due recourse to hold them accountable.

You first have to detect if there are any lies, get to know that person really well and decide if they are truthful and trustworthy. It may take months or even years but don’t jump into a friendship or a business partnership with someone you haven’t seriously gotten to know for. When you are not in a rush, why risk a lot when you don’t know anything about that person? Another warning sign is when they refuse to divulge information about themselves when you start to get to know them such as what their job is like, a little about their hobbies, and what they enjoy doing.

You should also make sure that they want to get to know you and that they follow up on their commitments when you ask them for their time. If they aren’t willing to respond to your emails or phone calls, you should not push forward with any higher level of commitment such as an in-person commitment or any long-term partnership or relationship. Do not let a BS Artist let you waste your time or your money whether it’s through the television or face-to-face.

A BS Artist is not hard to find, and they are always going to be around. Part of being a functioning adult is knowing how to think critically about who you are dealing with and how you deal with them. You have to be skeptical to some degree and having a ‘wait and see’ mentality when it comes to other people. You do not want to give much or give too little but it’s not good to heavily invest since you may get burned in the process. The best you can do is really get to know the other person well whether its’ for business, relationships, or career-wise.

The main characteristics that you want to avoid are people who are deceitful, uncaring about the truth, and not willing to hear the facts. They can be manipulative, compulsive liars, and they may use you to get ahead and not feel any remorse about it. Some BS Artists are so good at it sadly that you may only realize that they are a BS Artist a decade or two decades later. There are going to be times like that unfortunately where you may be taken advantage of and done all you can to avoid that happening. The best you can do in that case is admit that you made a mistake but were trying to protect yourself to the best of your ability. At times in life, you have to cut your losses and hope the damage was not too bad.

Ultimately, what we all must do is make sure that the BS Artists do not hold too much sway over our society or our economy. That is when the real trouble begins when they control a lot of daily life leading to greater corruption, inequality, and societal dysfunction. When an entire society is deceived, the damage may last for decades and we are likely to know that we were warned but not enough of us were aware that we were dealing with BS Artists rather than genuine and good people. We have to do better than that and make sure that we prioritize the right kind of character, ethics, and personal qualities in our politics, in our daily life, and in our society.

Retaining The Ability to Connect

How many times have you been out, either alone or with a friend or family member, and you have noticed in the café or restaurant a couple or a group of people just staring at their phones rather than each other? I’ve noticed this occurring multiple times and more often than not in the past year or so. Now, it’s not great to be out in public on your own on your phone either but it seems rather ironic to be out in public with a friend or a family member and you are both on your phone at the same time rather than living in the moment and being engaged with each other instead of their device.

It’s one thing as well for friends to be on their phones at the same time perhaps to keep up with their other friends but it’s quite silly for me to see couples out in public staring down at their phones when they should be connecting with each other. What is the point of going out to a café or to a restaurant or any other public place if you would rather interact with your handheld device than the person sitting right in front of you?

I can see if one of the two or more people in the group need to respond or send a text, check on a work e-mail, or take an important call but it is quite ridiculous when both people or all people in the group have nothing better to do than to look at their phones. There are a number of ways that I want to suggest in this article on how to retain that important ability to connect with another person especially out in public rather than connecting on social media, be social yourself with the person(s) you are with.

1.The Lost Art of People Watching: There is really something to be said about just wondering what other people are doing and checking out how they are going about their daily lives. Now, I am not suggesting you and your group or friend(s) just stare at somebody and make them uncomfortable. That’s not it at all. What I would recommend is to really just watch how people go running, cook your food, clean up the streets, deal with other restaurant patrons, etc.

For example, if you are at a park with someone else, it’s nice to make conversation about the joggers, the musicians, the frisbee players, the traffic police, etc. It’s a good way to stay engaged in conversation without turning to the phone to be entertained. Watching the world go by is a pleasurable activity and it can make you appreciate the rhythms of daily life. You should not be ‘people watching’ so intently that you make those who know they are being watched notice you doing so! Try to do so casually and without staring too intently. That’s a good way to do it in the mature way.

2. Leave the Phones at Home: What better way to have a good time with somebody then to leave the phone at home. It can be mutually agreed upon beforehand and you can both figure out where to meet up the old-fashioned way: by consulting a map or checking Google before leaving the house. It is really easy to leave the phone at home when you have the logistics squared away in terms of time, date, and where to meet. It’s also easier by car as well when you can leave the phone in your car for the two or three hours you are spending with them and can come back to it later to help you navigate home.

This is a really underrated way of maintaining that personal connection with someone and also strengthening it by flexing that resistance muscle and resisting the temptation of the phone by putting it both out of sight and at least, temporarily out of mind. I think both of you will be glad to rid yourselves of the phone for a few hours or even a whole day and the conversation and the activity will be much more rewarding. You will also remember what happened a lot more because you just were that much more engaged in what was happening because that person and the activity you did together had your full and undivided attention.

3. One Phone, One Group: If you feel the need to compromise about phones in a group, a good way to fix the issue or at least put a stopgap to it is have one phone for everybody in the sense that you are using that phone for everybody to see or use such as making a quick phone call away from the group, checking out travel pictures together, or doing a fun game through an application. Instead of everyone bringing their phones to the group meetup, if one person does it, you’ll have to share and be social about it. Obviously, you do not want others to see your private text messages and contacts on your personal phone but there are ways to do it and still be secure in having others use it.

I really do suggest having some group games on there or using it for showing off pictures and talking about travel or activity plans that you have all done. Another way to be social about a phone is to hook it up to somebody’s speaker and listen to different music together. It can even be some kind of a game where each person chooses a different song in a circle-like setting and your friends or family have to guess the musical artist or the name of the song itself. Being social and using your phone do not have to be separate from each other but the best way to make that happen is to only have one phone per group rather than one phone per person if you want to keep that ability to connect.

4. Enjoy the Silence and Nature: If you have been out with someone or a group for a few hours and you all happen to run out of things to say to each other, don’t go back to the phone! Instead, simply enjoy the silence and each other’s company. You do not have to fill every waking moment together with a witty remark or a sarcastic joke. Sometimes, it’s nice to be alone in your thoughts, people watching together, or just living in the moment and enjoying the ambiance of the place where you are at. This also applies to enjoying nature especially if you are outdoors. You both or the group will not need your phones when you are listening to the birds chirping, watching the monkeys climb to the peak of the trees, or checking out the beautiful mountain or sea view vistas.

You may say, “well, Ben, how can I enjoy nature when I do not have my phone to take a picture of the beauty?” That’s a good question but there’s an easy and simple solution to that problem as well. It’s known as bringing a camera that you like and rely upon and practice taking real photographs. I think it’s often better to take pictures of nature and scenery with a real camera than your phone even though camera phones have become quite popular. Practicing your photography skills with a real camera is a great way to use the tip well and to your advantage.

Photography can be a group activity and will allow both of you or your whole group to take better pictures, enjoy the nature around you, and listen carefully for the silence of the world around you. Lastly, you do not always have to be talking with each other to be connected. That is a false construct invented by our culture really that you have to be engaged with each other socially by always talking. Friends and/or loved ones of many years know so much about each other that they can really be there with one another in silence without filling the void with a conversation 100% of the time.

5. Shame the Phone User(s): This tip will be the most controversial of my suggestions, but I stand by it as having done so myself on a few occasions. The best way to avoid two people from using their phone at one time is to shame politely the first person who pulls out their phone first. Now, ‘shame’ has a negative connotation as it should have in our culture but a little dose of shame in my opinion is not the worst thing in the world especially when what that person is doing is impolite or inconsiderate. If the person you are out with, especially on a date, is constantly checking their phone every five minutes or is not engaged with you socially, then you have the right to shame them for it and ask them to stop.

If they continue with that kind of behavior, instead of doing it right back to them and escalating the tensions, it would be best to just say goodbye and let them know that you don’t appreciate them being on their phone. There are sometimes in life when you have to be both direct and firm with those who are in your social circle, even friends and family members. Respect is a key component in any relationship so if that person doesn’t value you enough to put their phone away like you are for an hour or even more unless it’s an emergency, then they simply do not deserve your time or the money spent to hang out together. Shaming the phone user in public when you’re with them is principally about setting healthy boundaries which are key in our relationships.

Also, you should hold yourself to the same standards and put the phone away as well lest that person you’re with get offended, walk away, or shame you into being more socially conscientious. Turn the phone off, put it in a locker, tell them that text or Instagram message can wait but above all else, shame them politely and remind them that we should be connecting and enjoying each other’s company and not off in a virtual world with other people. Maintaining that sense of cordiality will ensure better relationships and less wasted time staring at your phones in public.

Our healthy and lasting relationships are a key part of our mental health and our outlook on life. I believe that social media is still making us less social and while these networks do connect people on the surface, they do not foster deep friendships or relationships. Social media are like the gateways to having connections with others but you and only you are responsible for fostering and harvesting those connections to grow and become deeply rooted over time. You and the other person(s) who want to connect must do your best to put your phones away and focus on connecting directly by following some or all of these tips I have suggesting especially keeping the phone out of sight and out of mind temporarily.

Flexing your willpower and retaining that ability to connect will make you a happier and a healthier person overall. Your attention span is likely to improve as well as your friendships and/or relationships. I also believe and the research would show that your anxiety, feelings of depression, or of loneliness will decrease the more time you spend connecting with a person in person instead of through a virtual network. This ability to retain deep connections with people is a profound struggle in this age of instant yet flighty connections.

There are easy ways to counteract this trend though by letting go of the temptation when possible, embracing the silence and the natural world, and by politely reminding the person(s) you are with how it is good social etiquette to give someone their undivided attention when you are together in a public place or setting. If you struggle or have a setback, do not beat yourself up too much about it. Keep doing your best, lessen your use of your phone in the first place, and let the people in your life know how much they mean to you by giving them more of your attention and your love.

Book Recommendations – Volume X

The Summer reading session is well upon us and there is no better time to dive into another edition of my book recommendations. Whether you are at the beach, at the pool, or lounging on a rooftop deck, you can take some leisure time to read a great fictional or non-fictional offering to indulge your mind or open your imagination. The three books I cover are all non-fiction, which is the category that my favorite books often fall under. I do hope to dive into some fiction books sometime soon, but I’ll save that for other post.

The three books I recommend vary from personal finance to progressive politics to self-help psychology, but they all are educational and thought-provoking in their own way. These books aren’t mindless reads, so you’ll have to pay attention and even re-read certain chapters twice or more to really get the gist of what the author is getting at. However, each of these three books have staying power and they would make an excellent addition to anybody’s personal book collection since the different lessons that these books impart are timeliness in nature. Without further ado, let’s discuss which books I enjoyed in this latest volume of recommendations.

1.) “Everything Is F*cked: A Book About Hope” by Mark Manson

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Following up on the tremendous attention and success gained from his previous New York Times best-selling book, The Subtle Art of Not Giving a F*ck, which dealt with unconventional yet powerful self-help advice, Mark Manson is back with an excellent follow-up book in tackling how to apply similar lessons to humanity as a whole. Whether its today’s turbulent geopolitics, the growing climate crisis, or the negative effects of social media, everything can seem to be f*cked nowadays and hopelessness as a condition of these events seems to be gaining steam.

Manson uses the teachings of Nietzsche, Kant, and other prominent philosophers to denote why humanity is facing these systemic problems and how they came to be based on our collective psychology as a species. He argues that having hope in of itself is a paradox and that it’s best to deal with life’s uncertainties and foibles as they come. Wishing for a better, happier, wealthier, and safer future is unproductive if you do not take actions in the present to create that more hopeful reality. Manson breaks down complex topics such as politics, religion, and even the future of artificial intelligence into digestible concepts on how humanity has gotten to be where it is currently.

One of the aspects I like most about Mark’s writings is that he doesn’t sugarcoat anything, and he allows you to draw your own conclusions based on the evidence he presents and the stories he tells. My favorite parts of Everything is F*cked focus on why treating people as means to an end is a selfish endeavor and how our feeling brain has a lot more influence on our thinking brain than we have been told. Also, in accepting what is ‘The Uncomfortable Truth’, as Mark cites in one of the first chapters is part of recognizing our innate humanity and what drives us collectively. This truth, while uncomfortable to all, is the main reason why we strive to do what we do in life, for better or for worse, and how we tend to live our lives denying that truth when it is staring us right in the face.

Instead of looking to politics or religion to give us hope, which tends to have its own set of consequences, it should rather be our own individual actions of being kinder, gentler, and more respectful of others that carry the day. We should not wait around for other people to change for you or be better to you. This book, like Mark’s first, is well worth a second and third reading to grasp all the lessons he lays out for the reader. Posing deep existential questions and acknowledging hard truths rarely covered elsewhere in the self-help genre, Manson stands out as one of my generation’s best authors and a good example of how to live a better life, not just for ourselves but for others as well.

2.) “Utopia for Realists: How We Can Build the Ideal World” by Rutger Bregman

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I really liked this book by Mr. Bregman for several reasons. Whereas most books today examine problems and investigate how they came to be, Bregman describes the possible solutions there can be to these problems and how life in the 21st century should be different from the past. Given the rise of automation, how interconnected we have become globally, and increasing efficiencies in the workplace, Bregman dares to ask how we can make life better for vast majority of people in our societies based on these factors.

Rutger Bregman does an extensive amount of research for this book and draws upon years and decades of datasets and public policy to make his three main ideas not only relevant but persuasive to his overall argument. Bregman’s ideas are not new and have been discussed before but in ‘Utopia for Realists’, he really examines each of his proposals individually from a public policy perspective and how the time is ripe to make them become a reality. Today, it seems like we have lost to the drive to implement big changes to both our economy and our society. Bregman asks his readers to think of the plausibility of the 15-hour work week, a Universal Basic Income for all, and an ‘open borders’ policy that would benefits people’s lives in numerous ways as he lays out diligently in each chapter of the book.

While some may not agree with these proposals politically, Bregman backs up his arguments with facts and evidence, as a good social scientist would. One of the things I did not know before reading his book was how close President Richard Nixon and the U.S. Congress came to passing a universal basic income in legislative form back in the early 1970’s. Giving people the chance to have basic economic security, the ability to live across borders without bureaucratic roadblocks, and having more free time for family life or to better themselves through personal hobbies, interests, or side businesses are related to his three main proposals. These societal changes, he says, would lead to greater fulfillment and happiness and benefit our collective mental health.

While his ideas may be unrealistic today, the way in which the job market is shifting and has become more efficient in terms of productivity over the past few decades, how automation and advanced Robotics may affect millions of jobs being lost, and how the demographic crunch in the Western world may lead to more liberal immigration policies to spur economic growth, the main proposals that Bregman focuses on could become a reality sooner rather than later. It’s not a question of if these utopian ideas could ever happen, it’s more about when they will happen and how they can be implemented successfully around the world.

3.) “I Will Teach You to Be Rich” (2nd Edition) by Ramit Sethi

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I will be the first to say that I have shied away from reading books on personal finance given that the advice given and the person giving it may not be reliable or trustworthy. However, based on the recommendations of other authors I like and how sensible his recommendations are from watching his videos, Ramit Sethi has delivered and recently updated one of the best personal finance books out there. For someone who is just getting started in thinking about optimal strategies for long-term savings and investments, Mr. Sethi breaks it all down from negotiating lower interest rates on your credit cards to how to find the best investment vehicles to deliver you a secure retirement.

If you are new to personal finance, this book is really meant for you. You don’t have to be an expert in 401ks, Roth IRAs, or index funds to make full use of this book. Ramit is not only an author but also provides an additional website, which offers a free blog, multiple courses to improve your finances, and career opportunities. His common-sense finance solutions garner millions of views per month and very positive media coverage. Ramit’s book does not make his readership feel guilty if they have made financial mistakes in the past. Instead, he offers tips and advice as well as personal stories from people he’s helped to get them out of trouble whether its credit card debt, student loan debt, etc. He wants his readers to figure out what exactly a ‘rich’ life is for them and what steps they can take to make it happen.

You are left reading this book feeling uplifted and ready to use his advice to improve your financial situation. You are also left wondering why Ramit’s book isn’t mandatory reading for high school students, given that we tend to neglect this kind of basic financial education for young people in the United States. Whether you are 18 or 28, it’s never too early to start thinking about your long-term finances. With Ramit’s well-written, digestible, and even humorous personal finance book, you are in good hands. He gives you actionable advice on how to greatly improve your finance in weeks instead of years and discusses in detail how many hours it will take you in setting up your savings, investments, and credit card debt payment options with as little of a hassle as possible. While Ramit can give you all the advice in the world, he leaves it up to you, the reader, to take actions yourself to improve your financial situation. Now that you have the knowledge based off his book, you’ll be ready to create a financially secure future for yourself and perhaps your family too.

The Rule of Diminishing Marginal Return

There is a well-known law in economics called the ‘Law of Diminishing Marginal Utility’, which states that as consumption of a good or service increases per unit, the satisfaction derived from consuming an additional unit or more will lead to a subsequent decline in its overall utility. In other words, the more you consume, the less satisfied you will be with each additional product or service you purchase. The first thing you buy, use, or consume will be the most satisfying but the 2nd, 3rd, or 4th unit of the same item you utilize will not be as useful and could even not satisfy you at all.

This fundamental law in basic economics is one that is worth memorizing because it makes total sense. The first chocolate bar you consume will be delicious and fulfilling. You may not be satisfied with just one chocolate bar so you may end up eating another one since the first one was so tasty. However, anyone will tell you that the 2nd chocolate bar will not be as tasty or satisfying as the 1st one and you may even end up with a stomachache from eating too much chocolate if you are not careful.

The ‘Law of Diminishing Marginal Utility’ does not just apply to economic principles but goes far beyond that in terms of being applied to human psychology. The act of consumption, I would argue, is not just an economic one but also applies to the psychology of choice and how we live our lives. Everybody is a consumer in one way or another whether it’s the air we breathe, the water we drink, or the food we eat each day. Without any consumption, we would not survive but it is our choices that define our consumption habits and how we behave not just as economic actors but as human beings.

In a psychological context, instead of calling it the ‘Law of Diminishing Marginal Utility’, I would refer to it as the ‘Rule of Diminishing Marginal Return’, which is similar but discussing more how it’s a rule of life that the more we buy of something, the less return on that investment we will get out of it. The first of something whether that’s the purchase of a new car, a first trip to a new country, or the first time you try a new cuisine. These experiences will captivate you and do its job of putting your happiness level to a 9 or 10, but it’s a rule of life that it won’t stay there. While the memory of that experience will provide you with satisfaction and joy in its remembrance, your psychological state will revert to the norm of being level in terms of happiness or satisfaction with life. You may try to buy or consume more of something to recapture that feeling of happiness but that would actually be counterproductive in the long run and actually create false expectations compared to the first time you purchased or consumed that activity, experience, food, or drink.

How do you avoid the marginal returns of consuming, buying, or eating too much? Well, that is not easy to do but that is part of being a mature and responsible adult. You must have enough willpower and be able to reason with yourself that one more plate of food, one more drink, or one more car will not do the trick in giving you happiness. You must realize that your base level of happiness as a person won’t change as a result of consuming more and it may end up backfiring by causing your satisfaction to be lower because you consumed too much in the first place.
Being able to limit your consumption and controlling your vices will make you better off. If you can master your desires or your urges, then you can focus on bettering yourself or making you happier through more sustainable means. If you are working on personal projects, devoting yourself to a volunteer cause, or working on improving yourself mentally and/or physically, that kind of satisfaction will have a higher return on investment than just mindless consumption.

Consumption of goods and services may spike your happiness and satisfaction levels in the short run, but that kind of joy is short-lived and can often feel isolating if you are not sharing in that joy with others. That is why a meal with friends or family is often much better than eating by yourself. It’s why travelling with a close friend will generate more memories than a trip by yourself. It is not wrong to sometimes treat yourself to a nice meal, a nice trip, or a new gadget but shared experiences will make you happier and create more memories than those times that you were on your own in consuming.

One should carefully watch what they consume and monitor how much per day, per week, per month, and even per month they are consuming whether that’s food, drink, goods, etc. Everything in moderation is a good way to be as an adult and if you want to abstain entirely from consuming something, then that is an admirable thing to do as well. The worst thing you would want to do is to become overindulgent or overly reliant on a consumable good to make you happy or give you long-term satisfaction in life. You know better than anyone else the limits of your consumption and that true happiness is derived through shared experiences in life and of challenging yourself to be a better and more developed person.

In the long-term, I believe you get increased rather than diminished return through producing instead of consuming, by challenging yourself mentally and physically, and sharing yourself with others whether that’s through a good meal, a volunteer experience, or a worthwhile group project. All the chocolate and ice cream in the world won’t add to your happiness but would rather detract from it. A bowl of ice cream or a chocolate bar will satisfy you for a few hours, but you eventually will be back to that same level of happiness homeostasis that you had previously.

Instead of looking to keep yourself content or happy all of the time, know that happiness is not everything in life and that you benefit more from the hard work and the struggle that you put yourself on a daily basis than of just sitting on the couch and eating ice cream until the end of time.

When you get to that 2nd or 3rd bowl of ice cream, you should realize that you’re starting to get a stomachache and that you should stop yourself before you get sick. The diminishing marginal return of trying to seek out happiness through ice cream should be counteracted by getting off the couch and into the gym to start working out those extra calories you just gained.

By embracing the struggle of a gym workout and burning off all that ice cream, you’ll be sacrificing that short-term happiness for that long-term struggle but eventual satisfaction of improving yourself physically as a person and making yourself happier and healthier in the long-run as a direct result of your choices and decision-making. You should not be afraid to indulge a little bit every now and then but remember that life is better experienced in moderation and you should always watch what choices you are making as you go through your life as both a consumer and a producer.

Are You a Wolf or a Sheep?

We often like to think of ourselves as ‘introverts’ and extroverts’ in terms of our social makeup in how we act socially and how we get along with others. However, I like to think of another spectrum for which deserves some thought and introspection. Both of these classifications are not anything new, but I would like to put my own personal spin on what they represent, the good and the bad characteristics, and how these two personality types interact with other people.

I fundamentally believe that any person could be classified as having both character types with the extremes representing one or the other. I’d like you as the reader to figure out by the end of this article whether you are a wolf or a sheep? How did you come to that conclusion? and are you happy with this classification or wanting to resolve to change yourself?

When you first think of a ‘wolf’, you may think of the animal itself and how it can be dangerous, unpredictable, and fast. However, a wolf can also be thought of as cunning, loyal, and a team player. The wolf is not afraid to go it alone, sometimes for months at a time, while he or she is also comfortable with the pack where there is strength in numbers. The wolf can survive both on its own and in a group. The wolf adds value to the group but is able to self-sustain itself when it needs to.

If you see yourself as a ‘wolf’ kind of person, you take other people’s opinions into consideration, but you are not afraid to strike it out on your own. You don’t go along with the herd or the group all of the time when they are not of the same opinion or going in the same direction as you. You are an independent, reliable, and courageous person who is not afraid to go it alone even when it doesn’t please your tribe. At its extreme, being a ‘wolf’ can lead you to be a loner and cause you pain as you are no longer able to rely on your wolf pack for help or assistance. You may shun others with your actions and your opinions much to your detriment. A ‘wolf’ knows how to push his or herself to the limits, but it may bite off more than it can chew.

In a world where it is difficult and sometimes detrimental to go against the pack, a ‘wolf’ can decide to do so in an effort to sustain itself against the odds. Being a wolf is risky, but it has greater highs and lower lows. The risk is higher but so are the rewards. The wolf prides itself on being able to integrate into a community if necessary but it solely does not need it to survive like other animals. Any person can be a ‘wolf’, but it depends how far they push themselves physically and mentally, and how far they are willing to stray from the pack. A wolf can handle being a loner, being unpopular, and being cast out if it means keeping its morals, goals, and ambitions ahead of itself.

In contrast to the hard-headed yet cunning wolf, the ‘sheep’ is more timid, cautious, and relies on its flock for everything from where to eat, how to look, and where to go. The ‘sheep’ is unable to voice a contrasting opinion or forge another direction because as an animal, it would be largely left defenseless from predators, including a pack of wolves, if it is not careful.

The ‘sheep’ goes along with all of the other sheep in the flock not because he or she wants to but because he or she needs to. As an animal and a personality type, it puts the group’s needs above its own much to its detriment and making it weaker in the process. A sheep is not a risk-taker and is more about the collective group than being its own individual. While the life of a sheep may be comfortable and cozy, it is likely not to push itself to the limits and find out what he or she is truly capable of. Sometimes, it’s necessary to act, be, and think independently and a sheep is not able to do any of these things. A person can be a ‘sheep’ when they are not able to go against the group to develop themselves and to gain inner confidence. While it’s good to be in the flock or to be part of the pack, to do so all of the time much to your personal detriment is neither productive nor desirable. While sheep and wolves may be together, only the former has to do so some of the time while wolves have a choice to be on their own independent of the pack.

After thinking about these two personality types through the guise of these animals, it is my belief that any person can fit on the spectrum from the huddled sheep to the running wolf. Both personality types like ‘introverted’ and ‘extroverted’ have their innate positives and negatives. However, you have to decide for yourself when it is best to act like the ‘sheep’ or to be the ‘wolf’. There are those people out there who want to be 100% wolf or 100% sheep but you may not have this end up being a good decision for yourself. Life is about balance and you have to decide whether it’s best at times to be the ‘wolf’ and when it’s time to act like the ‘sheep.’ I find that to be 100% like each animal’s characteristics can lead to alienation, disenchantment, and outright dissatisfaction.

There are times in life where you have to be independent of others, believing in your goals when no one else does, and having opinions that the group does not share leading to positive ostracism. You have to be the ‘wolf’ when these times happen because you will be better off for it and be a more enlightened person as a result. Also, there are times when you have work with others well as a constructive team and put your beliefs and opinions on the back-burner when you can’t achieve and do things on your own.

‘Sheep’ rely upon strength in numbers and being part of a strong community that can support and back each other up when being independent could lead to isolation, despondency, and even death. Being independent v. being part of the group is a constant struggle in one’s life and you have to decide for yourself when it’s best to strike it out on your own or to be part of a larger group (family, friends, colleagues, schoolmates), etc. in order to get ahead.

You should ask yourself after reading these two descriptions of these popularly known animals whether your own personality and characteristics are more in line with the ‘wolf’ or with the ‘sheep.’ There’s nothing wrong with having a mix of both or being aligned with one or the other, but you have to do some introspection to decide whether you are a wolf or a sheep. A person with no defined personality traits that they are aware of is too easily manipulated and too easily controlled. Please be sure to always think, act, and do for yourself but to also respect your tribe and your group if they are supportive of you, your goals, and your beliefs. Now, “Are you a wolf or a sheep?” Decide for yourself.

How You Think Affects Everything You Get

1. Your mind is a fertile garden patch. Failure to cultivate it allows weeds to run rampant. 

As the popular saying goes, “Your mind is a terrible thing to waste.” In order to get the most out of your brain, you need to put your mental and intellectual capabilities to the test every single day. Whether it is reading the newspaper, doing a crossword puzzle, or solving a Rubix cube, you must exercise your mind as you do so for your body. If you don’t do anything to stimulate your learning capabilities, it’s likely that you will be left behind in life to some degree. Especially in this day and age where there is an unlimited amount of information to be accessed by the average person, there is simply no excuse as to why someone can’t cultivate their mind to improve themselves and become smarter.

You don’t even need to spend your whole day learning because it’s likely that you’re already a busy person. However, it only takes an hour or two a day of active learning in order to get ahead in life and improve a little bit. For example, you could spend that hour or two each day learning a musical instrument, studying a foreign language, or reading a chapter or two from a new book. The possibilities are seemingly endless but you need to take the initiative in order to make it happen. As an adult, nobody is going to hold your hand and force you to learn new things.

This isn’t like it was in school growing up where you had set periods of learning and a teacher there who could guide you to improve and become more knowledgeable. After high school or even college, you need to take initiative when it comes to learning and empowering your mind to become more open, agile, and responsive for the increased amount of knowledge that you want to retain. You can hold the weeds at bay if you’re willing to plant some flowers there instead.

2. Thoughts lead to feelings, and feelings lead to actions and actions lead to results. If         you don’t like the results you’re getting, reexamine your thinking.

You may not be able to control the thoughts or the feelings that enter your head but you need to control how you act and react to them. There is a direct correlation between your thoughts and feelings and your actions that come later. It’s important to think about why you are experiencing these particular thoughts and feelings, and if they are constructive or not to be having in your mind. You need to make sure that the actions that you are willing to undertake as a result of your feelings are done for the right reasons and are not just based off of poor impulses.

Part of being a mature adult is realizing that you have control over your actions and you should weed out the thoughts, emotions that are completely negative in nature and won’t get you very far in your goals and in your results. The effort that you put forth in your actions is a direct result of the effort you put into your thoughts. For example, if you feel confident about the subject material for a biology exam and are thinking about the topics you need to study and master, then you will be more likely to turn those positive thoughts into real actions as you crack open the books to study for this exam and then take the exam the next day with good feelings of confidence from putting efforts behind your original thoughts.

However, if you choose to focus on the negative aspects of your thoughts and emotions, it will likely cause a downward spiral, leading you to make mistakes and achieve less than desired results. With positive thoughts and emotions come the positive efforts of hard work that will often lead to good results. You really need to believe in yourself internally before you can have external success in the world and that all begins with your thought process and how you feel about yourself as a person.

3. Don’t deceive yourself. Confront reality, as it exists, even when the facts are brutal! Once you do, and then take action based on that reality.

Reality can be difficult to cope with but it is absolutely necessary to be able to handle even when the facts are not in your favor. In anything in life, you need to have a sound understanding of the facts and figures before you can start taking action regarding the subject you’re researching.

It is very easy these days to wrap yourself up in falsehoods and misleading information, which is why it’s more important than ever to seek out the reality of things in order to not confuse or distort your understanding of it all. The facts that may make you depressed, angry, or disturbed but the facts are the facts and they won’t be handed to you automatically. Any good student or researcher will know that you have to check and verify the facts on any subject before moving forward with taking any serious actions.

For example, when it comes to the issue of climate change and global warning, the facts matter a lot which is why so many scientists spend years in their field compiling data, doing research, testing out hypotheses, etc. before they decide to take substantive action to reverse this problem or lessen its’ effects. There are a lot of people out there who wish to distort the truth or dismiss it entirely but when you do not have a consensus on an important global issue like climate change, the problem will get worse and not better especially if no action is taken.

Reality must always be confronted even if there are some harsh truths that we as human beings must deal with. Part of being a mature, responsible adult is seeking out the facts in a situation and getting to the truth of the matter regardless if you like what the outcome is or not. Once you have the facts, you’ll be clear to take action and to do the right thing in your mind.

4. Worrying about things you can’t control creates a negative feedback loop that will cause you unneeded stress and anxiety.

Worrying is useless when you think about it. It doesn’t do anyone let alone yourself any good to think about the things that may happen in the future but also may not happen otherwise. You can only really know what’s going to happen exactly for today or maybe for tomorrow but beyond that you can never really be sure about what is going to happen to you.

Worrying can really be a mental block that can prevent you from making progress in your daily goals or from being successful in whatever you set your mind or your body to. By worrying all of the time, you’re not going to be able to do anything useful with your life if you’re worried about something bad is going to happen. By doing that, you’ll create a negative spiral of negative thoughts that you may not be able to get out of so easily.

When you decide to worry about something out of your control, stop yourself right there, take a deep breath, and push those negative thoughts out of your head. Instead, you must think positively and act positively in order to create the change you need and to become a better person in different areas of life. Worrying will get you nowhere and will create an endless loop of negatively. You have to be willing to take some chances, face some risks, and do your best effort in order to get to where you need to be. Worrying is a wasteful endeavor when you could focus your mental energies in a way that is more positive and productive overall.

5. Harnessing your thoughts to drive tangible, positive outcomes – It’s not enough to stare up the steps, you have to step up the stairs.

Thoughts must become actions in order to make things happen. You can think as much as you want about what you’re going to do, but unless you put actions to words, you won’t be able to get anywhere. There’s an important saying when it comes to this subject, which is, “Watch what people do, not what they say.” There’s also another saying such as, “Actions speak louder than words do.”

If people aren’t willing to follow through with their actions, you can be sure that they won’t be able to advance or progress that much with their goals, dreams, or aspirations. The difference between someone who’s a big talker and someone who actually walks the walk is quite stark. Success and progress doesn’t just come out of thin air. You need to be the person who is willing to take action after forming a plan of how to make the outcome positive or successful. This applies to a number of things in life that we often strive to achieve.

Whether it’s being the first person in your family to graduate from college, or working extra hours for that raise, or going back to night school to get the skills you need to apply for that job, positive outcomes must come from actual efforts and hard work. Good things come to people who put actions behind their thoughts. Anybody can talk a good game but the ones who really stand out in life are the ones who go the extra mile to achieve their goals with planning, taking action, and doing their best.

Fear of The Unknown

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“I couldn’t have said it better myself.”

Why do people sometimes have a fear of the unknown? As human beings, we each have our own unique doubts, fears, and phobias that develop as we deal with the world and its’ challenges. Whether they are fears related to heights, spiders, snakes, or even speaking in front of a large audience, it’s part of what makes us human to have fears. Facing and confronting your fears is not an easy struggle and it takes courage, compassion, and emotional maturity to get past your phobias. One of the most common fears that most of us have from time to time is ‘Fear of the Unknown.’

To have a strong desire to control your circumstances, your path in life, and your future is only natural. However, it’s clear that some things can never be fully known and that there will be changes that we will have to cope with. Trying to control everything and everybody around you is a recipe for disaster. Facing the unknown without fear is not easy but it is necessary in order to become a more mature and more centered person. Fear of the unknown is related to other fears that people have which have a connection to one another such as the fear of death, the fear of getting old, the fear of being homeless, the fear of life changes, etc.

There’s a popular saying that goes, “You always fear what you don’t understand.” This quote ties into a central idea that people fear most what they cannot change, anticipate, or prevent from happening. Some examples of this phenomena include economic recessions, societal changes, job loss, personal loss, election results, retirement planning, health problems, environmental concerns, etc. All of these phenomenon tie into the overall ‘fear of the unknown’ for the average man or woman. None of these phenomena can be controlled or even changed by one individual. Since we cannot usually have a great effect on preventing these fears from becoming real or taking place in our lives, what can we do or what should we do?

It’s best not to resist the changes that are bound to happen at some point in our lives. We simply cannot know everything that is to occur in the future and it would be useless to try to plan for everything ahead of time. Most of the time, it’s best to go with the flow, try best not to fight what comes your way, and to make the most out of things. Do not give in to fear, hate, doubt, disappointment, and anger, which are all negative consequences that come with fearing the unknown and the unseen. Having fear about what can happen a week, a month, a year, or a decade from today is a waste of time because you simply can’t know what exactly lies ahead in the future.

The older I get, the more I realize how important it is to be adaptable and malleable to the future. Trying to plan everything out is a waste of time and energy. While seeking stability, security for yourself and others is an important part of the human condition. Sometimes, you need to cope with some instability and insecurity that will come your way. Another notable saying that people rely on for strength is the popular quote; “Whatever doesn’t kill you makes you stronger.” Persistent fear of what’s to come is not productive, not enjoyable, and not healthy for anyone in the long-term.

What happens to most people when they feel a palpable sense of fear? Well, there are a number of common symptoms and ailments that one can experience as a result. Your heart rate starts to increase, and your breath will become shorter and more harried. You may begin to panic, and feel an enormous sense of tension in your body. You’re going to be anxious and stressed about the unknown and what you’re going to do about it. The more extreme symptoms of feeling fear involve nausea, fainting, vomiting, crying, and shaking uncontrollably. I mention these reactions to fear not to scare my readers but so you can better learn to recognize these symptoms and try to control and alleviate them as best as you can.

Now that we know what the ‘Fear of the Unknown’ is and how to classify it along with the related symptoms, how can we cope we this fact of life? The most important thing to keep in mind when confronting this particular fear is to stay positive about what’s to come. Not everything in life will go smoothly and there will be challenges ahead. However, it’s important to remove the negative associations, conclusions that your mind will come up with sometimes when it comes to thinking and planning for the unknown. A little bit of anxiety and stress is natural when it comes to facing the future but it should not affect your daily activities and your personal relationships.

You’ll have a more peaceful state of mind when you react to the strange and unforeseen future with a positive and upbeat outlook. It’s best to focus on your goals, stay focused, and don’t get sidetracked about what might or what not happen to you in the future. Changing your thoughts and your mindset through meditation for five to ten minutes on a daily basis can also be a great self-help remedy for getting rid of your fear of the unknown.

Embracing a new environment, new friends, and new work opportunities can also keep your imagination in the right state of mind. If your sense of anxiety and fear of the unknown is extremely strong and hard to break, it may be best to consider neurolinguistic programming, cognitive behavioral therapy, and even certain medications if the problem becomes that severe. However, these kinds of remedies should be used only as a last resort.

Having a sense of ownership and direction in our lives is extremely important. However, we cannot control everything especially the unknown that lies ahead. Whether its’ moving to a new city or country, jumping into a dark lake, starting a new job or hiking up a mountain, these are all instances in life that can give us reasons to worry and to be anxious. However, by controlling our thoughts and emotions, and having the ability to stay positive regardless of the circumstances will keep you both mentally and physically fit.

As the 32nd President of the United States, Franklin D. Roosevelt stated famously during his 1st inaugural address to the American people on the subject of facing the Great Depression, “Let me assert my firm belief that the only thing we have to fear is…fear itself.”