#peak cashflow
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this absolutely took me the fuck out i've been wheezing for the past five minutes "those squats are certainly worth doing" WITHOUT MY PRESENCE??? your grace, with all due respect, do it again
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© zhongrin | 2023 ✼ no repost・translations・plagiarism of any kind・ai data mining. rebloggers get a free cup of tea ♡
✼ characters ┈ zhongli, al haitham, wriothesley, neuvillette, childe
✼ tags ┈ sagau, fluff, crack, lots of petnames being used, premise is "if they're able to talk to you through the chat system in-game"
✼ a/n ┈ more chatrooms yayayay i tried to make a parser for this and failed i am in pain
ꜱᴘᴇᴄɪᴀʟ ᴍᴇɴᴜ (ᴄʜᴀᴛʀᴏᴏᴍ ᴍᴀꜱᴛᴇʀʟɪꜱᴛ) ✼ ᴏᴜʀ ꜰᴜʟʟ ᴍᴇɴᴜ (ᴍᴀꜱᴛᴇʀʟɪꜱᴛ) ✼ ᴍᴇᴍʙᴇʀꜱʜɪᴘ (ᴛᴀɢʟɪꜱᴛ)

↬ ʟᴏɢ ɪɴ ⫦↠
recommended to view via pc/laptop screen. the in-game screenshots used for backgrounds may look a little wonky because of the aspect ratio (i play on ipad mini).
everyone say thank you to @kurikurikurisu for the childe in-game screenshot, for i do not own the homicidal ginger in my account.
you will be prompted to give your name, but if you don’t feel comfortable you can skip them entirely - if you do give your name, the data will only be stored locally on your devices.
yes, the original wallpaper changes based on your local time.
(optional) send me screenshots of your favorite interactions or line lol
if you have yet to see ‘This chat has ended’ then- well, the chat has yet to end! be patient, it might take him some time to reply~ ;)
if the ui glitches, try turning the screen upright, back down, and then wait for a little
✼ ᴍᴇᴍʙᴇʀꜱʜɪᴘ (ᴛᴀɢʟɪꜱᴛ) ┈ @abyssmal-skies | @hamdehlesmis | @sunnshineflxwer | @yuutasbabe | @queen-belial | @stygianoir | @silentmoths | @niktwazny303 | @dustofthedailylife | @marina-and-the-memes | @mixed-kester | @lordbugs | @anonymousficreader | @shizunxie | @irethepotato | @sassy-cat-in-town | @syrenkitsune | @smokipoki | @cakeboxie | @crystalflygeo | @ciexuvia | @illaasya | @celestewritestoomuch | @pams-comfortzone | @spidermanluvr444 | @ourstrawberryclouds | @ryuryuryuyurboat | @hrts4hanniehae | @fiannee | @jingyuansbird | @florapocalypses | @genshin-impacts-me | @scarasmood | @hellcatinnc | @beloved-brynn
#ALSO THE ''when are you gonna do a 170k+ dmg again'' GIRL I FELT THAT. MY WRIO DOES AROUND 50K-70K CHARGED ATK ON THE AVERAGE#i need cashflow supervision so so bad istg he better rerun with sigewinne so this is a win-win situation for me#also op you are amazing i enjoyed all the chatrooms you made#truly the peak otoge experience with my nerd (affectionately) and my manhwa male lead#genshin impact#faves!
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From the article:
Fossil fuels’ share of global primary energy fell below 80% for the first time in modern history, a tipping point masked by growing energy demand. Oil’s share of primary energy fell below 30% for the first time in modern history, down a third from its peak. The demand for gasoline and diesel was negative – 2024 may be the year road transport fuel demand peaked– no more growth in this sector anymore. Three milestones that show whilst the energy evolution is not perfect, it is happening nevertheless, and at pace. Even as absolute energy demand still grew, it is telling that many oil majors such as BP, Exxon and Shell, who have recently noted their exit from renewables, are also withdrawing from core oil and gas production investments too. Over 50% of their operating cashflow is now going to shareholders, not explorers or construction crews.
The article goes into each of these points in greater detail, but one of the biggest takeaways here is that oil companies are tactically withdrawing from the energy battlefield--they are redirecting their money to paying off shareholders rather than developing new sources of fossil fuels.
As renewables become cheaper, more popular, and show overall greater potential for future innovation and growth the writing is on the wall that the energy transition is leaving fossil fuels behind.
#good news#hope#hopepunk#solarpunk#global warming#climate change#energy#energy transition#renewable energy#sustainable energy#green energy#oil companies#fossil fuels
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A Xilonen dedicated account: the plan
‧˚₊꒷꒦︶︶︶︶︶꒷꒦︶︶︶︶︶꒦꒷‧₊˚⊹
So, I decided to go through with the idea and create an alternate account purely for Xilonen. But, this doesn't mean I am going to just get her and her weapon plus as many constellations as I can. Instead, I am going to create an account that would look like it's being run by Xilonen. Why? Because it seems like a fun plan and it's an idea I have had for a while. With her rerun being so close, now seems like the perfect time to set it up. This account will be entirely F2P from my side, with the exception of possible gifts and limited items that fit the account.

── ࣪˖ ࣪ ⊹ ࣪ ˖ ──
I. Characters
There are a number of characters I will be wishing on. I already figured that Xilonen would be more of a casual player rather than a meta player, because honestly, she has better things to do. She would just go for the characters she likes and keep it at that. Here is a list, as well as a reasoning when applicable:
Xilonen: C6. The goal for Xilonen is to get her as many constellations as possible, spread over several reruns. Basically everything will be saved for her, with the exception of the other characters on this list.
Kachina: C6. Kachina is both a member of Xilonen's Tribe, and a character that will be used on Xilonen’s team. As a 4*, it hopefully shouldn’t be too difficult to get her constellations, especially if she shows up on the banners of other Natlan characters, but I'm not going to jinx myself too early.
Mualani: C0. Mualani and Xilonen are acquainted, and Xilonen was the one who made the shark surfboard. I imagine she would like to get Mualani for that alone.
Chasca: C0. Same story as with Mualani. Xilonen made the giant flying gun.
Mavuika: C0. Xilonen once again made the technology here, but it also seems like Mavuika and Xilonen are somewhat friends with each other, from the casual way both of them reference each other.
Citlali: C0. They also seem friends, or are at least well acquainted with each other after the Archon Quest.
Iansan: C0. Also part of the Archon Quest, and it should be a low investment to get one constellation of her through other banners.
Ororon: C0. Not a big priority because she finds him a weirdo, but they do know each other, and with the current event, this character is pretty much just free.
Xinyan: C0. Xilonen would find her whole vibe neat. That is literally the only reason.
Yun Jin: C6. The third crucial member of Xilonen's team. Xilonen would want to have a fast playstyle, which Yun Jin helps with. Her team with her as DPS would also require at least 3 Geo/Anemo/Dendro characters, so she is a perfect fit.
─── ⋆⋅☼⋅⋆ ───
Other:
Maybe Kinich at C0, but Xilonen has mentioned she finds Ajaw incredibly annoying. If I decide to go for him, he will be a low priority. I think Xilonen would rather skip him than have to listen to Ajaw yap.
Ifa: Likely at least at C0, but there is a big chance that will already happen while wishing for other characters.
Varesa: Probably not. Xilonen doesn't have a voiceline about her, so I don't think she would be a high priority.
── ࣪˖ ࣪ ⊹ ࣪ ˖ ──
II. Weapons
This is very subject to change in the future, but Xilonen would go for weapons she thinks look neat. She would be more of a weapon collector than a character collector, actually, once she has everyone she wants. She wouldn't care much about actually having the characters she pulls the signature weapons of, just if they're cool.
Peak Patrol Song: R1-R5. Her signature weapon which also fits her look. I plan to get as many copies for R5 as I can, but also... the weapon banner sucks.
Cashflow Supervision: R1. Wriothesley's signature weapon and she would purely want it because it looks awesome. No criticism.
More to be added in the future.
── ࣪˖ ࣪ ⊹ ࣪ ˖ ──
III. Team
Xilonen's team would be a collection people who fit her vibe. She'd have two teams: One with her as the DPS, and one she uses to clear harder content with.
Team One: Mavuika/Citlali/Xilonen/Kachina
A solid team she can farm bosses and do events with. A more meta team in case she just needs to get something over with in the easiest possible way.
Team Two: Xilonen/Kachina/Yun Jin/Mavuika
A team mostly focused on Xilonen as a DPS, with some off-field damage from Mavuika, but mostly because this team is very fast-paced and good for quick exploration. This would be her more casual overworld team.
I am very much aware that there are much better options for a Xilonen DPS team (for example Xianyun), but I don't immediately want to fall back into the 'make everyone plunge'. After all, this is more of a casual account than one focused on high numbers.
─── ⋆⋅☼⋅⋆ ───
IV. Gameplay
This section will detail a number of gameplay details that will be done specifically for this account, as Xilonen herself would do it.
Artifact farming would be done daily, and characters would receive serious builds. Xilonen seems like someone who would take the artifact and character building aspect of the game seriously, once she dedicates herself to it. As long as the domains aren't entirely against her.
On a less serious note, I think she would find it funny to try and collect every single craftable weapon in the game, as well as random five star weapons that look cool. She has her priorities.
As for exploration, she would be pretty casual about it. High exploration on most areas, maybe a few 100% areas, but never hardcore. I don't think she would like Sumeru exploration a whole lot.
That brings us to the topic of world quests. They just genuinely wouldn't even be looked at unless the topic really interests her. Her quest list is so long it's barely navigable, which also applies to storyquests and hangouts. She'll only do the bare minimum of the Natlan ones just so she can finish the Archon quest, which will be playing in the background with the auto button on while she does something else. It's not that it wouldn't interest her, but it's just so much talking while so little of importance is being said, you know?
The lore wouldn't interest her that much, at least not enough to carefully sit through every single dialogue. That's what summaries are for.
Xilonen would frequently co-op, mostly accepting people into her own world and occasionally going to another person's world to collect materials. She is more than willing to help out someone if they ask.
Lastly, she would play events only for the rewards and the minigames, especially if the reward is a neat weapon. Big chances are she skips through every other part of it. She would be very interested in the permanent rhythm game, however. The Spiral Abyss and the Imaginarium Theater will be largely neglected, and the only reason she would play the latter is for the collectable poses.
─── ⋆⋅☼⋅⋆ ───
That's the plan, for now. If anyone's interested in following along, updates will be posted with the same tags as this one. The UID will also be added at a later time, in case you'd like to add it. Wish me luck.
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BP Postmortem post 2 bc/image limit
Don't read this unless you've read the first one already! There's a 30-images-per-post limit and I had to split it up! Opening this readmore will immediately spoil lots of stuff and be confusing.
So, right. Nolan. Didn't that guy die? Case 1 killer?
Well, you see... that wasn't Nolan Cubbins. Not a very Brazilian name, was it? So... who's this kid?
That's Lucas Rossi, Davi's younger brother and host of "Bullet Proof", the fourth-most-popular Enoshima knockoff killing game on the air! (And the most popular one being broadcast in English!) While there's a whole production crew on the ground that edits together the footage, he's the host and director on-set.
Why's he doing this? Well... for the money, mainly.
Lucas met Junko Enoshima while she was doing a despair tour through Brazil. He'd been a student activist at the time, and student activists were sort of her favored prey, and what should have happened is that he was brainwashed like basically everyone else who ever met her. And that is what happened, until he went home to Davi and tried to spread the gospel of despair and Davi was like, what the fuck? And did some brain surgery to his little brother to erase the memory of meeting Junko.
After finding out what'd happened to him, and being deeply deeply discomfited by how malleable he turned out to be in the face of superpowered charisma, he developed a pretty intense hatred of her and the whole despair cult! He eventually connected with the Future Foundation, and found... that the Future Foundation was underfunded and needed more resources to put a stop to the apocalypse. They needed money. A lot of it.
So... Lucas got into showbiz. Despair-based entertainment was like, the only thing anyone cared about anymore, for some impossible reason, and lots of people had life savings they no longer cared about because life is pointless and only Despair matters, so... it was easy to play to the crowd. With Davi's help, he was able to put together some very convincing bloodsport and execution videos, but... the apocalypse is a tough environment for indie payment processors, so they had an audience, but not much money.
That's when the Bright Conglomerate reached out with a big budget and big plans to convert a flying Hope's Peak safehouse into a staged deathgame. They'd have top-of-the-line equipment, a whole production staff, and a major corporation working to adapt to the economic realities of the despair apocalypse and ensure cashflow. Lucas and Davi would get a cut of the revenue, and it'd be a lot of revenue- which he'd be able to divert to the Future Foundation in hopes of putting all this madness to rest.
So they flew up there and took over, thanks to Gwen and Sakura not bothering to turn on most of the ship's defenses, and Henry running interference. They initially tried to negotiate with Will Bookerton (still an adult at that point, trying to root out whoever had taken over Monokuma and started some sort of cockamamie Deception Game), and... faced opposition. Will didn't trust the tech, Henry wanted to cultivate more of a family-friendly image for the show which was insane and counter to the whole idea, and ultimately Lucas had Davi erase their memories so they couldn't interfere with production. It was all going to go perfectly!
And it went perfectly! A smash hit! Made billions! Bullet Proof was a reality TV craze that swept the, uh, anarcho-despairist perpetual riot that they had instead of a nation by that point.
Y'know, for the first couple seasons. Until season 3, when Lashauna shoved this dipshit off the top of the school building and his head got pulped on impact:
This was sort of a crisis point. Davi was forced to confront the reality that his skills couldn't undo every murder that happened on the show, and that the charade would have a cost in human lives. And a reality TV star dying in an accident during filming would be a huge scandal for a normal show!
But obviously this led to a huge jump in ratings with the show's core demo, so there was a bit of a moral dilemma there.
Lucas, in charge, ultimately decided... by the numbers, it was worth it. One fatal accident every so often, in exchange for funneling millions to stop the apocalypse where hundreds of thousands of people were dying every day? It... made sense, right? It was worth it. The show must go on.
Agnesi Wu Jessie Bai, until this point, was in the same boat as Raymond and Lilakali- a genuine Hope's Peak student who voluntarily assisted with the production of Bullet Proof. When she thought no one was really in any danger thanks to Davi's miracle resurrection tech, she was in league with Lucas to help fund the Future Foundation, and was happy to play the heel a bit to make the show more exciting. But, uh... once it became clear that people were actually dying, she wanted nothing more to do with it, and they started wiping her memory just like Henry and the rest. Still, there exists footage of her confessing to being the mastermind from earlier seasons, which was going to show up in case 5 as a misdirect.
So people kept dying off. And they needed replacements for the dead students, so there'd be enough suspects, of course. So they imported some fake Ultimates.
Martha and Vic were what they called "Murder Geniuses"- prolific killers who, after succumbing to despair, performed highly public and dramatic killings without suffering repercussions. Martha had formed an impromptu military unit that had dominated an entire city, and Vic was a prolific serial killer known as the Gumball Maniac. Bullet Proof's production crew managed to capture them, revert them to teenagers, and erase their memories of despair- adding some bigshot celebrities to the cast. I forget if I set this up in the adventure, but there was going to be another misdirect with the Hope's Peak student records, where their profiles would be missing- casting suspicion on them as mastermind candidates.
So... remember that one time I posted these, and was like "one of these is an actual evil mastermind design, hee hee hoo hoo"?
HAHA! GOTCHA! They were all actual evil mastermind designs! Kinda... bad ones, in retrospect, but whatever.
Anyway... it didn't take too long before the show caught the eye of Cyrus Bookerton, who was supposed to be headmaster of the school. He saw Billy on TV and was freaked out- deciding that it was worth opening up his safehouse and sending his daughter, ???? Bookerton, Ultimate Impostor, to rescue her older brother and put a stop to this.
"Alice", in one of her earlier guises, posed as an intern at the production studio on the ground. As she was eager to get involved, she was eventually sent up to assist Lucas, Davi, Lilakali, and Raymond as a replacement student on the show.
She pretended Lucas was her hero, in her guise as an ascended fangirl working her dream job. He spilled everything to her, explaining how everything was to divert money to the Future Foundation and save the world. They were very close!
And as a result of them being very close, she noticed something. She noticed that Lucas had given up. Compromise after compromise made to keep the show on the air and the money coming in had worn him down, and he'd stopped really caring about where the money was going. Despair was beginning to get to him, the longer those Future Foundation millions went without saving the world. Nothing seemed to be changing, but all he could do was keep doing what he'd always done. He didn't really believe in what it was all for anymore. And... he'd gotten very good at doing his job.
So she went to go do what she was sent there to do. Kill Davi Rossi, put an end to Bullet Proof, and rescue her brother.
Only she got caught and failed.
She'd set up a bomb in the lab, but was caught red-handed and forcibly sedated and mindwiped. Because she'd been a double agent for so long, Davi had to do a pretty complicated mind-wipe, making swiss cheese of her memory so she'd only remember rehearsing her various cover identities. She was left only with the memory of being Alice Bayko, SHSL Stage Magician, normal student at Hope's Peak Academy. (Or Alistair Bayko, or Charlie Range, or Diana Ingenue, depending on what the player selected at the start of the game.) Demoted from showrunner/double agent to hapless cast member- with a suite of fuzzy and awkward half-remembered memories bleeding through.
After that... well, Lucas trusted her a lot. She helped run a bunch of seasons of the show, and her betrayal really got to him. In a fit of paranoia, he decided to become a shadow mastermind, operating from behind the scenes of behind the scenes, so that Raymond and Lilakali couldn't betray him too. No more mistakes like this one! Delete him from their memories, make them think it'd just been the two of them that whole time. Keep that Nolan Cubbins kid on ice- he'd take his place, and then...
...after posing as an easily-caught culprit in case 1, he'd get harpooned during his execution, and then... reeled back into the ship, where Davi would patch him up ahead of schedule. A perfect disappearing act.
As for Alice- getting mind-wiped wasn't an outcome she failed to anticipate.
It was always possible she'd get captured and mind-wiped. And if that happened, someone needed to finish the job. The state-of-the-art custom Monokuma droid she'd been set up with as part of her cover identity: Flopsy-Turvy. She'd programmed it with instructions to kill Davi and then self-destruct, destroying his lab and making it impossible for Bullet Proof to continue.
She didn't think to program it not to catch Billy in the blast, though, who happened to be infiltrating that very same lab via the secret passage he built in the first place.
I really hadn't figured out how I was going to present this whole setup to the players deductively, to be honest, but that's the upshot of Case 5: Determining that Flopsy-Turvy was the culprit, and by extension Alice.
And then Lucas, whose mental state at the time is best-represented by this TMBG song...
youtube
...executes Alice in a fit of rage and betrayal.
That's about as far as I had planned. I knew I wanted there to be some sort of case 6, getting into the backstory with Lucas and Henry and all the other backstory details that weren't explored in case 5, but I didn't have any clear plans- maybe some kind of action scene as Lucas's control over the guns and security systems goes up against the whole class working together to evade his defenses and subdue him, shot like an execution? And then an ending where the survivors take over the airship and fly off into the sunset with a vague intent to save the world somehow? Most of the dead would still be in Davi's tanks and hypothetically recoverable, if they found some other Ultimate Doctor. I didn't really have the ending nailed down from there, except that...
...with Alice dead, I was going to have Jo take off the incongruently feminine costume and reveal the ahoge, becoming the new protagonist. It's a rule of Danganronpa that the protagonist has to be a boy with a stupid hair doinker thingy! Joe Alejo, Ultimate Hope!
I was setting up a bunch of Gender stuff with Jo leading up to this protagonist reveal- when Davi's Monokuma was going to show up to treat the wound Martha suffered from Gwen's saw trap, he was going to notice Jo was binding with Ace bandages and be like. No. Honey. Come on. Here's my old binder from before I used my necromancer powers to trans my gender. That's so unsafe.
(Which... in retrospect, wouldn't have made sense? Surely this season isn't the first one in which Jo had a gender journey, and Davi who was responsible for reanimating them a bunch of times wouldn't have failed to notice this. Hrm. Would find a way to rewrite that moment in the reboot.)
That is... I think that's everything! Aside from... a few changes I was going to make in the reboot.
Reboot changes
One was going to be that... I was going to just cut Violette and Caleb. Violette's shtick was too annoying to write consistently, and Caleb was kind of me working through some religious baggage that I'm kinda distant from at this point.
To replace Violette as case 1's victim, I was going to build up to case 3's super tragic thing with Lashauna and Mill some more. To do this, I was going to split Dominique into two different characters.
Dom had... a couple of weird things going on with him. The initial conception of his shtick was... completely cishet guy who acted all camp and flamboyant because he just liked messing with people. The kind of guy who's, like, absolutely homophobic, thinks queerness is deviant and disgusting- but thinks deviant and disgusting people are so funny to laugh at that he supports them anyway? Joins in on the bit? Like being gay is the funniest joke he can think of? A little extremely confused, and doesn't got the spirit at all, but somehow the same energy anyway?
Plus, like- Dominique was like, late twenties, absolutely not a real high-schooler, and Lashauna was... I want to say like, 18? Definitely too young for him, but also she's his boss so there was a weirdass power dynamic that definitely wasn't healthy in some direction or other- and it definitely wasn't a good look to have the camp gay guy be sort of a sexual predator.
That was always a really awkward bit to write, and I ended up not really committing to it at all. So instead he just sort of ended up... like, a normal stereotypical camp gay hairstylist guy? And then he died before there could really be any exploring any of the fucked-up parts of his character. It didn't really work.
So instead, we've now got Dominique Locke, Ultimate Stylist, and Nick Martin, Ultimate Gambler.
Dominique is just straight-up genderfluid, a shy and untalkative kid who uses their hairstyling and makeup skills to modulate their gender performance on a moment-to-moment basis. They get the hair-changes-every-portrait shtick, and get killed in case 1 only to come back alive in case 5.
Nick, meanwhile, gets most of the scummier elements. He's the homophobic one in charge of the Diamonds who colludes with Henry re:crime stuff and dies in case 2's double murder. This guy's very clearly not a teenager by any stretch of the imagination, and technically neither is Lashauna in this iteration, though I still want to have like, the too-young-but-also-his-boss fucked-up power dynamic for their weird relationship.
The idea there is to build up, like... one Hit Deck member dying in both cases before case 3, to build up to Lashauna and Mill's conflict re:whether she should cut her losses and kill him to escape or try and stick it out and save her last surviving subordinate.
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The other thing I'd do is... foreshadow the reality TV and loops thing more. Introduce impossible footage of things that didn't happen earlier, find some way to explain the rules of memory modification ahead of time, and use the Monokumas as mouthpieces more liberally. Maybe have Davi show up in person only to disappear hastily at some point, so he doesn't come out of nowhere. There's a lot of this plot that just wasn't really sufficiently foreshadowed, I think, and with this many layers to it it would definitely be doable to start peeling them back earlier.
And, of course, rework the logic of the cases more to be, uh, better. More fair and solvable with multiple roads to noticing the relevant clues. The ones I did were very much a first attempt, and I didn't really have the knack for it yet.
And that's, uh... that's it! I think that's everything. If you've got any questions, ask box is open. Thanks to everyone who read and supported Bullet Proof while I was making it!
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#bankingtrends#businessfinance#cashflowmanagement#economicuncertainty#embeddedlending#financialstrategy#fintechinnovation#SMBlending
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The majority of business owners or an entrepreneur will tell you that cash flow management is one of the most crucial components of managing a small business, along with other obstacles that they face. In simple terms, having sufficient working capital is of utmost importance when purchasing inventory, paying employees, or attending to daily expenses. This issue can be resolved through working capital loans for business, for a variety of entrepreneurs.
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If your need is to cover operational expenses on a daily basis then you will benefit from working capital loans which are often short-term. As opposed to long term loans that can be used for expansion or hefty investment purchases, the objective of working capital loans for small businesses is to ensure that operations are functioning without interruption. These types of loans come in handy during off-peak periods or when there are unforeseen expenses.
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Assess Your Wants: Figure out the loan amount that you will require and on which it will be used for.
Contact Financial Institutions: Market compare institutions that offer loans for small businesses like banks, NBFCs, and online sites.
Gather Documents: Have relevant papers alphabetically ordered within folders like business proof, tax returns and financial statements.
Applying Made Easy: It is easier to apply to several lenders as many have online templates to apply.
Requirements for Eligibility
Business Age: Usually, lenders set a minimum period that a company should have been active (1-3 years’ time).
Credit Score: Holding a good credit score increases one’s chances for better interest rates and approval.
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Consider Interest Rates: To cut on cost repayments, consider loans with lower rates.
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Final Thoughts
As we come to the end of this editorial, it’s clear that working capital is a vital component for small businesses to function optimally. Once again, working capital for small business loan play a crucial role in helping entrepreneurs grow their businesses. Take the first step towards your financial goals right now by analyzing various options available for you in today’s market and enhancing your chances for success.
#working capital loans for business#working capital loans for small business#working capital for small business loan
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How to Use CMA Reports to Monitor & Improve Your Business’s Financial Health
A Credit Monitoring Arrangement (CMA) report isn’t just a tool for securing loans—it’s a vital document that can help monitor and improve your business’s financial health! 🌱📊
Here’s how to leverage it for more than just credit approvals:
🔍 1. Track Financial Performance Over Time
Your CMA report provides a historical and projected snapshot of your finances. By regularly comparing past data with future projections, you can spot trends, like shrinking margins or rising costs. Use this info to catch problems early and make adjustments!
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Cash flow is king! 👑 Your CMA report breaks down inflows and outflows, giving you a clear view of your liquidity. Need to improve cash flow? Optimize inventory management and tighten up on accounts receivable to boost your financial stability.
📊 3. Evaluate Debt Levels & Repayment Capacity
Your CMA’s debt-equity ratio can help you decide if you’re carrying too much debt. Too high? Time to reduce your debt load or negotiate better loan terms. Keeping debt manageable keeps your business on solid ground.
💼 4. Identify Working Capital Needs
Struggling with daily operations? 🏃♂️ Your CMA report highlights your working capital requirements, so you’ll know if you need to raise funds or adjust your receivables/payables cycles to keep things moving smoothly.
📈 5. Improve Profitability
Analyzing the profit & loss account in your CMA lets you see where profitability can be enhanced. Whether through cost-cutting, better pricing, or efficiency improvements, it’s a roadmap to better margins!
📅 6. Strengthen Financial Planning
Use the projections in your credit monitoring report to plan for growth and manage risks! Thinking ahead ensures you’re always prepared for future challenges and opportunities.
Whether you're trying to secure a loan or just keep your business in peak financial shape, your CMA report is a powerful tool! ✨ Remember, staying proactive with financial monitoring sets your business up for long-term success. 📈💪
#BusinessFinance #CMAReport #FinancialHealth #SmallBusiness #CashFlow #DebtManagement #Profitability #BusinessGrowth #WorkingCapital
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Unlocking Financial Stability with Business Cash Flow Loans

In today's fast-paced business environment, maintaining a healthy cash flow is crucial for the sustainability and growth of any enterprise. Companies often face various financial challenges that can disrupt their operations and hinder progress. This is where business cash flow loans from Pulse Cashflow come into play. These specialized financial solutions help businesses navigate through cash flow difficulties and ensure smooth functioning.
Understanding Business Cash Flow Loans
Business cash flow loans are financial products designed to provide companies with the necessary funds to cover operational expenses and manage cash flow gaps. These loans are particularly beneficial for businesses experiencing seasonal fluctuations, delayed payments from clients, or unexpected expenses. By securing a business cash flow loan, companies can maintain liquidity and avoid disruptions in their operations.
The Role of Pulse Cashflow in Supporting Businesses
Pulse Cashflow is a leading independent funder specializing in invoice finance. With a strong commitment to helping businesses overcome cash flow challenges, Pulse Cashflow offers tailored financial solutions that cater to the unique needs of each client. Their expertise in invoice finance enables businesses to unlock the value of their unpaid invoices and access immediate working capital.

How Business Cash Flow Loans Work
Business cash flow loans work by providing businesses with an advance on their outstanding invoices. Pulse Cashflow purchases the invoices at a discounted rate and provides the business with the funds upfront. Once the invoice is paid by the customer, the remaining balance is settled, minus a small fee for the service. This process allows businesses to convert their receivables into immediate cash, improving their cash flow and enabling them to meet their financial obligations.
Benefits of Business Cash Flow Loans
Improved Cash Flow: Business cash flow loans provide immediate access to working capital, helping businesses manage their cash flow more effectively.
Flexible Funding: These loans can be tailored to the specific needs of each business, ensuring that they receive the right amount of funding at the right time.
No Debt Accumulation: Unlike traditional loans, business cash flow loans do not add to the company's debt. Instead, they leverage existing receivables to provide funding.
Quick Approval Process: The application and approval process for business cash flow loans is typically faster than traditional loans, allowing businesses to access funds quickly.
Focus on Growth: With improved cash flow, businesses can focus on growth and expansion opportunities, rather than worrying about short-term financial challenges.

Case Study: A Success Story
Consider a manufacturing company that experiences seasonal fluctuations in sales. During peak seasons, the company receives a large number of orders, but the payment terms often extend to 60 or 90 days. This creates a cash flow gap, making it difficult to cover operational expenses and pay suppliers on time.
By partnering with Pulse Cashflow and utilizing their business cash flow loans, the company can unlock the value of its outstanding invoices and access immediate working capital. This allows the company to maintain smooth operations, pay suppliers promptly, and take advantage of growth opportunities during peak seasons. As a result, the company experiences improved financial stability and sustained growth.
Choosing the Right Partner: Pulse Cashflow
When it comes to securing business cash flow loans, choosing the right financial partner is crucial. Pulse Cashflow stands out as a trusted and reliable partner, offering a range of benefits to businesses:
Expertise and Experience: With years of experience in invoice finance, Pulse Cashflow understands the unique challenges faced by businesses and provides tailored solutions to address them.
Personalized Service: Pulse Cashflow takes the time to understand the specific needs of each client and offers personalized financial solutions that align with their business goals.
Competitive Rates: Pulse Cashflow offers competitive rates and transparent pricing, ensuring that businesses receive the best value for their money.
Strong Track Record: Pulse Cashflow has a proven track record of helping businesses improve their cash flow and achieve financial stability.

Contact Pulse Cashflow Today
If your business is facing cash flow challenges, it's time to consider the benefits of business cash flow loans from Pulse Cashflow. With their expertise in invoice finance and commitment to client success, Pulse Cashflow can help your business navigate through financial difficulties and achieve long-term stability.
For more information, contact Pulse Cashflow today:
Registered Office: The Grosvenor, Basing View, Basingstoke, Hampshire, RG21 4HG
Phone: 0845 539 7003
Email: [email protected]
Visit their website at Pulse Cashflow to learn more about their services and how they can support your business.
Conclusion: Empower Your Business with Financial Stability
In conclusion, managing cash flow is a critical aspect of running a successful business. Business cash flow loans provide a practical and effective solution to address cash flow challenges and ensure smooth operations. By partnering with Pulse Cashflow, businesses can access immediate working capital, improve financial stability, and focus on growth and expansion.
Don't let cash flow issues hold your business back. Explore the benefits of business cash flow loans and take the first step towards financial stability today. Pulse Cashflow is here to support your business every step of the way, providing the expertise and solutions you need to thrive in a competitive market.
Contact Pulse Cashflow today and unlock the potential of your business with tailored financial solutions that work for you.
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The Atlas of Worldly Wisdom
The different stages below include chronological suggested readings that will help in understanding and appreciating important ideas and perspectives. Some of these super ideas have been mentioned in The Atlas of Worldly Wisdom, and others serve to build on certain themes.
The assumption is that between half an hour to one hour per day can be dedicated to this project
this is where the expected timeline for each stage comes
The different readings and suggestions are included in tabular form in the last page of this document. They have been categorized into the different spirals and the different stages. To get the complete information about any of the books, check the ‘References’ document.

Stage 1 : Basics-I – 10 Books – ~ 4 months
Six Thinking Hats (De Bono)
The Lessons of History (Durant)
The 7 Habits of Highly Effective People (Covey)
The Mind Map Book (Buzan)
What the Numbers Say (Niederman)
The Art of War (Sun Tzu)
Think-Grow Modules : Personalities & Behavior 1
Think-Grow Modules : Succeed
Think-Grow Modules : Win-Win
Choose One :
How to Win Friends and Influence People (Carnegie)
One of [ Brain Power or Verbal Intelligence ] (Both by Buzan)
1 For the Think-Grow Modules, check out the ‘Apps List’ Document, or go to: ahijazi.website
Stage 2 : Basics-II – 10 Books – ~ 4 months
How to think like Leonardo Da Vinci (Gelb)
Thinking in Systems (Meadows)
Choose One :
Atomic Habits (Clear) or Tiny Habits (Fogg)
The Psychology of Money (Housel)
Peak (Ericsson)
Think-Grow Modules : The Better Brain Library
Naked Statistics (Wheelan)
Choose One:
The Richest Man in Babylon (Clason)
Cashflow Quadrant (Kiyosaki)
Think-Grow Modules : Lead
Choose One:
Building a Second Brain (Forte)
Net Work (Anklam)
Stage 3 : Insights & Synthesis – 10 Books – 4 to 5 months
Fuzzy on the Dark Side (Hijazi)
The New Leaders (Goleman)
The Art of Worldly Wisdom (Gracian)
The Art of Thinking Clearly (Dobelli)
The 80/20 Principle (Koch)
Creativity, (Catmull)
Emotional Intelligence (Goleman)
Choose One :
Freakonomics (Levitt)
The Great Mental Models-I (Parrish)
One Small Step : The Kaizen Way (Maurer)
The one left/not chosen from 10 [Stage 2]
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TOP INDUSTRIES THAT BENEFIT FROM OUTSOURCING ACCOUNTING
Outsourcing accounting services is crucial for businesses in today's competitive global market. Companies are looking for methods to simplify their processes and reduce costs. By entrusting financial tasks to specialized accounting firms, companies can prioritize their core competencies while accessing financial expertise and practical solutions. This article will explore the top industries that can benefit from outsourcing accounting and its advantages.
Small and medium-sized enterprises (SMEs)
Small and medium-sized enterprises (SMEs) often need more resources, which makes it challenging to maintain an in-house accounting department. For SMEs, outsourcing accounting services may completely change the game, as it allows them to get help from experts without spending a lot on hiring and training staff. Outsourcing enables SMEs to maintain accurate financial reporting, comply with tax regulations, and maintain efficient bookkeeping practices. This helps them to concentrate on their primary tasks and growth without compromising their business's stability.
Information Technology (IT)
The IT industry is renowned for its dynamic and ever-evolving nature, where the ability to adapt and innovate is essential for success. Outsourcing accounting services provides strategic solutions for IT companies seeking flexibility to navigate the changing market dynamics. By outsourcing financial tasks, IT firms can allocate more resources to research development, customer support, and marketing.
Hospitality and tourism
Seasonal fluctuations, varying demand, and a wide range of sources of income characterize the hospitality and tourism industries. The hospitality industry includes hotels, resorts, and travel agencies, and they manage their finances effectively. Accounting professionals help businesses by tracking their incomes and expenses and planning their budgets. This helps ensure accurate financial reporting and expectations. Outsourcing accounting allows hospitality businesses to improve their financial performance, manage costs, and allocate resources in peak and off-peak seasons.
Healthcare
The healthcare sector is complicated and strictly regulated, with strict compliance standards and reporting requirements. Outsourcing accounting services in the healthcare sector offers medical practices, hospitals, and clinics a streamlined approach to financial processes, accounts payable, and payroll.
Manufacturing
Manufacturing companies often manage complex inventory management, production costs, and supply chains. Outsourcing accounting can help manufacturers streamline their financial processes, including cost accounting and financial analysis. Manufacturers can gain profits from accounting professionals, and these experts can show them how much it costs to make their products, reduce costs, and improve profitability.
Retail and e-commerce
Businesses are constantly trying to enhance customer experiences and improve sales. Outsourcing accounting can help retail businesses track sales and expenses, optimize inventory turnover, and optimize cashflows effectively. By outsourcing accounting, retail firms can focus on their growth and sales, and e-commerce companies may evolve with market changes and maintain profitability.
Real Estate
Outsourcing accounting services can significantly benefit real estate businesses like property management companies and developers. These services include rent collection, monitoring property maintenance, and financial analysis for sound investment decisions. Real estate experts can focus on property acquisition and effective management by outsourcing their accounting needs to specialized professionals.
Outsourcing accounting services has become more popular for businesses in various industries. Accounting duties can be outsourced to the advantage of small and medium-sized companies, healthcare providers, IT companies, manufacturers, hospitality businesses, and retailers. Outsourcing their accounting becomes increasingly crucial as industries keep changing and competition expands. As outsourcing continues to evolve, it is expected to become more essential to the success of businesses worldwide.
If you are looking for accounting outsourcing services, JAKS is here to offer specialized accounting services to satisfy your specific needs. Our comprehensive services include bookkeeping, outsourcing accounting services, and more. To simplify the procedure and concentrate on expanding your business, call us at +9539327777, the UK's +44 20719 39817, Australia's +61 402554052, or the Middle East's +971 54 728 6743, or send us an email at [email protected] to simplify the procedure and concentrate on expanding the firm.
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Over the last 2 decades capitalization rates (cap rates) have been steadily falling. The compression of cap rates basically means that investors are willing to pay more for less cash flow. Capitalization rate is the relationship between the price of and asset and the amount of revenue it produces. As investors pay more for assets the cap rates fall. In turn the cap rate rises as the income of the asset rises over time (rents being raised).
#realestateraw#multifamily properties#capitalizationrates#income#recession#expansion#peak#multifamilymarket#cashflow#capratecompression
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Saturn Direct: Onward
Saturn stations direct on September 29th, 2020 and we can all breathe a little better knowing that one of the astro giants is finally moving on. We have been on a ride with Saturn in Capricorn since 2017, learning a lot about ourselves and our relationship with authority. We continue to experience the impact of government with these Saturn and Pluto transits. Where we are now is not the same place, we were several years ago. This has been a transit of maturity of growth and pain. Many people saw the world with new eyes, our rose-colored glasses were shattered. The horrors were outlined for us, but we have also learned to see some hope in the darkest of hours. Saturn in Capricorn has exposed the changes that need to be made on a societal and political level. This has been a powerhouse transit, moving and reshaping us from the core and reflecting in our environment. The collective has felt Saturn in Capricorn, but we know that together, we can all hope for greater change in the future after learning the lessons and facing the consequences from this transit. Here’s to growth for the years to come and hope for a better tomorrow.
Aries – Saturn has placed you in a position where you can either sink or fly. If you have worked and powered through the last couple of years, with the fire and drive of not giving up, congratulations! Saturn direct means you can continue to go forward without feeling blockages when it comes to your career. However, with your ruler currently retrograde it is still not smooth sailing. Consider this a time to get your plans going and feel the momentum building until dreams start to take off in November.
Taurus – This transit will have you sticking to your convictions without second guessing yourself. Saturn direct powers you through the next phase which will have you more focused on status and achievements. You are very much in a contemplative state, analyzing your past achievements and failures but the good thing is you are learning from them. Get ready to feel more empowered as we approach the end of the year.
Gemini – You have been going through one of the harshest transits for the last 2.5 years but now you are slowly feeling the weight being lifted from your shoulders. That sense of optimism will begin to peak through with Saturn finally going direct and exiting Capricorn at the end of the year. Use what you have learned during this transit that has shaped who you are and where you will be headed. You are not the same person from 2017, instead you have grown and matured. The road has been tough, but you will see how the journey was worth it.
Cancer – Saturn direct means you will finally be able to see the truth behind your relationships. No longer will you feel like you are mirroring partners because now you have grown to learn more about yourself and what you seek in someone else. This Saturn transit has been rough but empowering. There is more motivation to get the achievement you desire and the recognition from your peers. You are learning to embrace the limelight and to allow yourself to shine. No more hiding your glow since you have so much more to offer to the world.
Leo – You have given it your all during this Saturn transit since 2017. There have been a lot of obstacles for you to overcome but Saturn has taught you a lot about being diligent and patient. You have learned that even if you give it your all, you are still going to face challenges and the outcome will not be what you originally planned. You’ve excelled at coordinating, fought and learned to understand your limits while refusing to back down or give up. During the next several months you are rekindling with your fire energy thanks to the trine your sign is making to Mars. You can see the finish line and are awaiting your victory.
Virgo – The state of your romantic life is probably not the same as it was 2.5 years ago. Saturn might have brought about a person who turned your world upside down but the experience, although tough, was a learning lesson for you. For those who are single, this transit made a change in your social circles. During the retrograde it was possible you reminisced and learned about the changes you need to make for romances. Your dynamics with others will also change moving forward. Saturn direct will have you focused on rebuilding and restructuring how you view yourself and your ideology.
Libra – One of the tougher transits for you and it would make sense why you will not miss seeing Saturn in Capricorn. The retrograde period brought you back to your roots and the emotional experiences you might have felt with partners. This Mars retrograde might also have brought back some painful memories that you need to learn to cope with to move forward. Mars and Saturn are making you move from the tough waves that life brings you and the unexpected changes. Your identity has changed because you might feel more empowered and mature given the position you have been put in. It is possible you were thrown into a leadership role at work, school or even made some tough decisions at home. Saturn showed you what you were capable of and how independent you can be.
Scorpio – A rough transit to have because it can open some emotional wounds you might have at home or with friendships. Saturn retrograde taught you that to interact with people, you need to listen and be patient. Being explosive during this transit over the last several years has led you nowhere. To avoid drama and fights, you needed to truly listen and change some mannerisms. You have developed a sense of courage, especially in the workplace or school. With this planet finally going direct, you know your strengths, how good you can articulate your thoughts and how to manage situations with different groups of people.
Sagittarius – This Saturn transit has felt like a redo of Saturn in your sign. You continued to face similar challenges with identity and truly learning the meaning of independence. Saturn in Capricorn taught you to be more open to accepting and forgiving yourself and this is what you are working on now that the planet is direct. The boost from Mars will allow you to burn through the emotions as you continue to reshape your thoughts and philosophy during this process. Get ready for some excitement as you can feel the cashflow begin to change and the optimism growing since Jupiter, your ruler, is also direct.
Capricorn – Who am I? Is the question you probably repeated to yourself several times during this transit. Saturn retrograde had you pouring through different situations as you tried to maintain stability in your life while the chaos ensued. You are the fighter, with Pluto, Jupiter, and Saturn currently in your sign. The pressures and responsibilities piled but you managed to keep your cool (sort of). Now with Saturn and Jupiter doing direct, you can once again plan and see the road ahead with clearer eyes and a smile. You will feel renewed as Saturn stays for the next few months before finally exiting your sign.
Aquarius – With Saturn direct here, you feel some of your pressures melting off as you come to peace with your subconscious. The issues now with Saturn will involve your own maturity but that all begins to manifest when Saturn enters the sign of Aquarius. This is a period where you will be mentally stimulated, driven to connect with others and will discover your own inner voice. Many will be open to listening to what you have to say. Your experiences can serve as a healing experience as well. Saturn has taught you how to heal, to grow and to motivate others. You will wake up from the cloudiness Saturn presented and will take on the world inspired.
Pisces – The pressure is off and now you can once again feel like others have your back. Saturn direct will have you remembering the pain or excitement you felt during this transit. There might have been close friendships that have ended but you made new ones. This path has not been an easy one for you and Saturn in Aquarius will present some of the similar themes from this transit. You are learning to become more independent and self-reliant. However, you will also learn to seek help from others if you are in need because certain situations can be hard for us and we will need the support system from others.
#Saturn#Astrology#Horoscopes#Aries#Taurus#Gemini#Cancer#Leo#Virgo#Libra#Scorpio#Sagittarius#Capricorn#Aquarius#Pisces
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2doc Week Day 2- 2doc Song
I never shut up about Republic of Wolves...so here’s “The Clouds,” which really sums up Murdoc’s mental state during Plastic Beach.
I’ve been waiting on a response for days There’s been a complication It seems your heart needed a break From pumping the blood through your veins And keeping the oxygen okay I still see your face in the day And I see your eyes in the bottle that was way too tall I finished it just to see if we could talk Now I’m speaking with your ghost again It’s telling me that I don’t listen Can we be friends in another lifetime I might pretend That we are night now
He’s nowhere. Nowhere in the United Kingdom. Which is fine, except that if you don’t find him, he’s going to die. The Black Clouds will find him and do what they did to Noodle, and then they’ll kill Russel and when they’ve shot up the entire band, they’ll come for you like they promised, come and make you die die die.
It doesn’t matter though, you’ll beat them to it. You just need to finish composing the album, recording the album, getting the album out there. As long as you can put it out into the world, it doesn’t matter what the Black Clouds do to you. All you need is to breathe life into the music.
None of it’s going to matter at the rate this planet is dying, anyway.
But back to the matter at hand: they will come for Stuart. You have to find him first. There is no other option. It’s find the idiot or bury his corpse. All you need is to find where his heart is beating, to isolate the continent, country, hotel lobby where he draws breath.
After all that went down with Noodle, it’s understandable that he’d want to travel, that he’d want to wind up as far away from you as possible. He’d put oceans, solar systems between the two of you if he only could.
Because he knows it’s all your fault
all your fault all of this is your faultyourfaultyourfault.
Whatever. You’ll seek him out anyway. Find him wherever the hell he is. Your destinies are intertwined, after all. No matter what happens, you’ll make sure he comes out of this safe, preferably cushioned by some cashflow from whatever the hell your magnum opus is going to be called (really should work on a name).
In the meantime, you have sources to track him down, to find him. There is black magic out there, and there are always those who will hunt down your prey for you as long as you’re willing to pay. He is a nightmare; something about the way he looks at you reminds you of your father. They call him The Boogieman.
I summoned demons from a dying dream I took a long walk off a short levee I drank the poison from a black moon seed And then I saw you
I felt your kiss in a dream I had I felt your skin in a monument
Then I went home to live a brand new life without you And buried all our things Beneath the giant shadows of the clouds And they still stay there underground But no matter what I do I never will stop talking to you
The Boogieman delivers on his promise, and Stuart is on the shores of Plastic Beach within a week’s time.
Even when you start leaving his door unlocked, Stuart doesn’t leave his room. Not at first, anyway. When he finally does, he goes straight to the beach, starts pacing around, collecting debris, excavating for signs of life on the artificial shore. You try to tempt him with music, sitting around with your cap pulled down over your eyes, strumming an acoustic. Other times, you use the speaker system you installed to play some of his favorite tunes. You leave the types of ale he prefers sitting out on the kitchen counter, order the Cyborg to let him know he can help himself whenever he’s thirsty.
Stuart doesn’t take the bait. He keeps as far away from you as possible when he’s not in the recording studio, and then, he only breaks his stony silence to ask questions about key changes or pronunciations when he reads your lyrics, listens to your demos.
You present countless opportunities for him to peak out at you, just a moment of eye contact is all you need to convey it all to him, that you did this for him. In the middle of the ocean out here, all you need is a second to get through to him that the two of you are alone out here not because of any inherent cruelty, but because of your genius, because you are destined to be together like this.
Staring out at the gray-blue waters, you think it might not be so hard to tell him that you felt your soul slip out of you a little bit the day you first beheld him with blood on his face and two black eyes staring out at you; it broke away from your body to twine around his, and you haven’t been a whole person ever since.
If he’d only look at you, maybe you could get these words out, even more coherently than you did when you condensed your life into a tattered composition book, and then condensed the contents of that book into a handful of songs.
Day after day, you will him to look up, to step closer to hear the confessions that bubble on the tip of your tongue, brine-tasting and thick. You’ve always been a coward with your heart, but you’ve been drinking enough lately to reason with yourself: it’s not really putting your heart on the line since it already belongs to Stuart. All you’d be doing is asking for a piece of it back.
I never did get the last word in And you said I always did
I never did get the last word in And you said I always did
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Managing Cashflow
Senin malam ikut webinar zoom judulnya "Managing Cashflow by Being a Mindful Spender". Topiknya lumayanlah agar tidak menjadi seorang yang impulsive shopper. Berikut beberapa note nya:
Setiap orang memiliki segitiga 3P, di mana ketiganya saling berhubungan. yaitu pikiran, perilaku dan perasaan.
Dalam finansial juga ada segitiga, yaitu current financial statement, risk profile, serta goals.
Mindful person : perasaan tenang dan nyaman, pikiran jernih dan tertata, perilaku tepat dan bijaksana
Mindful spender artinya perasaan dalam kendali, pikiran reflektif dan realistis, serta perilaku belanja bijaksana.
Pikiran reflektif : Selalu bertanya pada diri sendiri sebelum belanja (apakah perlu, apakah sanggup, ada pilihan lain, apakah best option, apakah sangat penting atau terdesak, kalau sudah dibelanjakan apakah dapat membuat cemas jika tidak sesuai ekspektasi)
Kenali kecemasanmu
Validasi / akui perasaanmu, contohnya : Saya merasa cemas karena adanya pandemi.
Validasi perasaan dapat menurunkan emosi negatif, sampai managable, dan bukan zero anxiety
Jika berhubungan dengan orang lain, harus divalidasi juga perasaannya dengan bertanya langsung
Never Make Decisions, When You're at the Peak of Any Emotion.
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The Atlas of Worldly Wisdom
Reading List
The different stages below include chronological suggested readings that will help in understanding and appreciating important ideas and perspectives. Some of these super ideas have been mentioned in The Atlas of Worldly Wisdom, and others serve to build on certain themes.
The assumption is that between half an hour to one hour per day can be dedicated to this project
this is where the expected timeline for each stage comes
The different readings and suggestions are included in tabular form in the last page of this document. They have been categorized into the different spirals and the different stages. To get the complete information about any of the books, check the ‘References’ document.
Stage 1 : Basics-I – 10 Books – ~ 4 months
Six Thinking Hats (De Bono)
The Lessons of History (Durant)
The 7 Habits of Highly Effective People (Covey)
The Mind Map Book (Buzan)
What the Numbers Say (Niederman)
The Art of War (Sun Tzu)
Think-Grow Modules : Personalities & Behavior 1
Think-Grow Modules : Succeed
Think-Grow Modules : Win-Win
Choose One :
How to Win Friends and Influence People (Carnegie)
One of [ Brain Power or Verbal Intelligence ] (Both by Buzan)
1 For the Think-Grow Modules, check out the ‘Apps List’ Document, or go to: ahijazi.website
Stage 2 : Basics-II – 10 Books – ~ 4 months
How to think like Leonardo Da Vinci (Gelb)
Thinking in Systems (Meadows)
Choose One :
Atomic Habits (Clear) or Tiny Habits (Fogg)
The Psychology of Money (Housel)
Peak (Ericsson)
Think-Grow Modules : The Better Brain Library
Naked Statistics (Wheelan)
Choose One:
The Richest Man in Babylon (Clason)
Cashflow Quadrant (Kiyosaki)
Think-Grow Modules : Lead
Choose One:
Building a Second Brain (Forte)
Net Work (Anklam)
Stage 3 : Insights & Synthesis – 10 Books – 4 to 5 months
Fuzzy on the Dark Side (Hijazi)
The New Leaders (Goleman)
The Art of Worldly Wisdom (Gracian)
The Art of Thinking Clearly (Dobelli)
The 80/20 Principle (Koch)
Creativity, (Catmull)
Emotional Intelligence (Goleman)
Choose One :
Freakonomics (Levitt)
The Great Mental Models-I (Parrish)
One Small Step : The Kaizen Way (Maurer)
The one left/not chosen from 10 [Stage 2]
Stage 4 (Mastery & Further) and Stage 5 (Cultured : Beyond) include a total of 16 books, but these will (probably) take significantly longer to finish than those in Stages 1 to 3.
I believe that going forward, personal tastes and preferences can play a bigger role. These are landmark books that will expand your knowledge and awareness into key fields and to include important super ideas. Choose the ones you prefer, but try to keep moving between the categories of the Triple-Spiral (Awareness, Intent, Creativeness).
As you read the books in this category, many ideas for further readings will come up. The path should get progressively more interesting as you advance and customize it further with more personally-relevant choices.
Stage 4 : Mastery & Further – 10 Books – 4 to 5 months
Gifts Differing (Meyer-Briggs)
Choose One:
Good Strategy Bad Strategy (Rumelt)
Steal Like an Artist (Kleon)
The Bed of Procrustes (Taleb)
Fooled by Randomness (Taleb)
Skin in the Game (Taleb)
Choose One:
Scientific Revolutions (Kuhn)
The one left/not chosen from 8 [Stage 3]
Book of your choice on Design Thinking & Creativity
Book of your choice on the Philosophy of Science
Book of your choice from cognitive science
Book of your choice from Popular Science (Evolutionary Biology or Quantum Physics)
Next you can go through the list of books I’ve included in the ‘Cultured: Beyond’ category, and keep growing your knowledge and understanding of the world and yourself.
This reading list is a work-in-progress. It will keep changing and will be updated regularly (I hope).
On the following page you can see the suggested readings as a table, categorized by level and dimension.
Good Luck!
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