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Disse-lhes para pensarem em três momentos:
- Como funciona o processo actual onde o motivo das reclamações se manifesta;
- Onde ocorrem as falhas que podem gerar a reclamação;
- O que fazer para reduzir a probabilidade da falha se manifestar
"O governo devolve salários ao funcionalismo, mas tira-lhe, ao mesmo tempo, os meios para desempenhar o seu papel. Não poderia haver melhor sinal de que o Estado social só interessa ao governo e à maioria como uma bolsa de clientelas e de dependentes, e não como prestador ou garante de serviços à sociedade. Em Portugal, começamos a deixar de ter um Estado social para passar a ter um Estado fundamentalmente político-eleitoral: a prioridade é acomodar clientes; os benefícios para o resto da população são incidentais.
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Este vai ser o orçamento desse Estado. Pede-lhes o presidente que não pensem em eleições. Mas em que mais poderiam eles pensar?"
"Na sua opinião, existe uma altura em que o governo deve repensar a estratégia?No entanto, quando fala de coisas que eu acompanho, espalha-se ao comprido:
Já devia tê-lo feito. Já levaram alguns raspanetes por parte da Comissão Europeia, por exemplo. Contudo, a questão é que o governo e os partidos que o apoiam foram eleitos com esta plataforma, precisamente. Tudo depende das prioridades do governo — se a ideia é baixar a dívida, já deviam ter mudado de estratégia há muito tempo. Porém, se a prioridade é cumprir aquilo que eles acham que a população gostaria que acontecesse, então provavelmente estão a ir por aí. É um governo populista, em certa medida."
"Julgo que terá dado uma ajuda, mas a verdade é que, ao mesmo tempo, houve um impacto negativo muito grande sobre o investimento. Toda a incerteza em torno das políticas deste governo leva muitos investidores, e não apenas os investidores bolsistas, a preferirem ficar de fora. Isso mais do que compensa, pela negativa, qualquer impulso ao consumo interno.A senhora olha para as estatísticas e tira conclusões... mas a senhora não mergulha no que está por trás das estatísticas.
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Algumas iniciativas deste governo têm, claramente, penalizado a competitividade de Portugal. Essa não será a única razão, mas as exportações de Portugal têm caído e isso é, certamente, uma das razões — a perda de competitividade."
"A paper company took this approach in developing a new offering (product plus services) for its North American customers. The company makes packaging material and is one of several such firms in the market, some of which are tiny shops while others are enormous global companies.E a sua empresa segmenta o mercado que serve? Qual é o critério que segue? E esse critério é útil? Qual é o segmento-alvo da sua empresa?
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Historically, the paper company segmented based on customer size— small, medium, and large. But several functions, including sales and customer service, had routinely pointed out this segmentation was not actionable. For example, some of the largest customers only needed the most basic features and were willing to pay less as a consequence, while others needed fully featured offerings. To make matters worse, many small and medium-sized customers valued features such as support services that had only been offered to large customers. What's more, many customers of all sizes complained delivery was too slow and needed to be “just in time.” Other customers, those with large warehouses that could stock plenty of paper, didn't care about just-in-time delivery. They could just pull it from their warehouses."
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So in thinking about how to design its new product and service offering, the paper company realized it would have a failure on its hands if it continued with the status quo segmentation."
"o facto de Portugal ser o país mais precoce a colocar azeite no mercado e, por último mas não menos importante, a qualidade crescente dos azeites nacionais, o que tem vindo a ficar anualmente demonstrado na conquista de prémios de relevo internacional, cada vez em maior número e em mais mercados nos dois lados do Atlântico.E fico convencido que afinal falhei na minha previsão de uma bolha azeiteira porque uma massa crítica de produtores não seguiu o caminho espanhol e apostou na qualidade em detrimento da quantidade, e apostou em marcas próprias e tirou partido das doenças que grassam no olival italiano.
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Outra das características a favor dos produtores nacionais é a elevada percentagem esperada de azeite virgem extra (o mais cobiçado) face ao total da produção. "É algo que nos distingue de outros países e faz com que haja mais interesse no nosso azeite",
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"há mesmo uma certa inveja dos nossos colegas espanhóis em relação ao que se faz aqui". E explica que o Alentejo dispõe de condições únicas para a produção de azeite de elevada qualidade. "Em Espanha aposta-se mais na quantidade". Garante que Portugal está claramente na linha da frente na aplicação de tecnologia e inovação no olival à escala global. Este ano já vendeu algumas centenas de toneladas de azeite ainda com a azeitona na árvore, sobretudo a embaladores italianos que precisam de azeite topo de gama tão rápido quanto possível. "Os produtores italianos não cuidam tanto da azeitona como nós fazemos aqui e por isso ficam muito mais sujeitos a pragas e doenças. No nosso caso, por exemplo, ainda não fizemos nenhum tratamento químico nos nossos olivais". A qualidade crescente que diz estar a conseguir nos seus 600 hectares de olival acaba por gerar uma relação de confiança com alguns clientes, que acabam por se tornar "habituais"."
#Greece: New company w €100k profit— The Greek Analyst (@GreekAnalyst) October 17, 2016
-€36k income tax
-€36k upfront tax
-€1k business levy
-€10k solidarity tax
-€27k SocSec tax
Total: -€10k pic.twitter.com/6WsUqtI4JL
"India has managed to regress on economic policy. They have decided to start messing with prices in times of dearth. This is exactly, precisely and completely the wrong thing to be doing. Fixing prices makes shortages, that dearth, worse, not better. For prices are information–here, information that something is in short supply. Therefore suppliers should get to work producing some more in pursuit of that lovely profit and consumers should substitute away to something else in the meanwhile. This is how shortages get solved–through the information that the price system provides. Short-circuiting this process is nonsensically stupid but that is what they’ve decided to do"Trecho retirado de "Regressive Economic Policy In India -- No, Don't Mess With Prices"
"o sector da joalharia tem apostado na internacionalização. Faz por isso com as marcas a mostrarem-se em feiras dos Estados Unidos à Ásia.
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Os famosos vendem e a Associação de Ourivesaria e Relojoaria de Portugal (AORP) escolheu a modelo e actriz Milla Jovovich para protagonista da campanha que vai promover a joalharia nacional nos quatro cantos do mundo, numa estratégia de incentivo à exportação de forma a alcançar a meta de 150 milhões de euros em cinco anos.
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Os resultados alcançados, entre 2008 e 2014, com as vendas para o exterior a registarem um crescimento de 500%, traduz-se em optimismo entre os intervenientes, bastou uma mudança de atitude. [Moi ici: Mudar de atitude, mudar de ponto de vista, mudar de modelo mental: Metanoia] “O sector estava totalmente vocacionado para o mercado interno e, quando sentimos a crise de forma muito severa, as empresas só tiveram uma saída, a exportação”, [Moi ici: O meu conselho de 2008 "Fazer o by-pass ao país"] diz Fátima Santos. Para isso, foi preciso um esforço e um endividamento ainda maior de estruturas, muitas de cariz familiar, onde até aqui apenas havia espaço para rotinas.
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A mudança para reagir às alterações de consumo não foi fácil. “Cometeram-se muitos erros, a maioria das empresas não estava preparada e continua a não estar. Houve as que se reestruturaram e outras que surgiram mais adequadas aos novos tempos, com estruturas leves e uma nova forma de comunicar.”
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Para 2016 e 2017 a AORP conta com um orçamento de cerca de 2 milhões de euros para apoiar a internacionalização. As feiras são uma das montras para o negócio. Nos últimos meses a associação levou 17 empresas a Paris, dez a Madrid, cinco a Hong Kong. Em França, um dos mercados-alvo do sector pela proximidade, as vendas subiram 24%.
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Entre os 430 associados que reúne, muitos são jovens designers a arriscar a sorte. Para a promoção destes novos talentos criou a plataforma Portuguese Jewellery Newborn, uma das novidades da Bijorhca, em Paris – esta feira é um dos principais eventos que reúne compradores de todo o mundo, duas vezes por ano.
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[Moi ici: Agora, comparar o texto que se segue com o do postal de ontem "Mongo em todo o lado": ""We believe [customization] is the new form of luxury, which is really a return to the old form of luxury in the idea of having something made just for you,""] “A produção em massa não é o caminho.” Entre todas as peças da Leitão & Irmão, o proprietário conta que são as peças feitas por medida as mais desejadas. “Continua a haver pessoas que querem ter a sua jóia, que falam com o mestre joalheiro, que transmitem a ideia e o que resultar é algo de muito pessoal e isso não tem preço, essa é a ideia mais próxima de luxo nos dias de hoje.”"
"The forces of progress are the emotional forces that generate and shape customers’ demand for a product. They can be used to describe a high-level demand for any solution for the customers’ JTBD or the demand for a specific product.
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Two groups of forces work against each other to shape customer demand. The first group is push and pull, or the forces that work together to generate demand. The other group is habit and anxiety, or the forces that work together to reduce demand. In the middle, you have the customer, who experience all these emotions at once.
Customers experience some combination of these forces before they buy a product, as they search for and choose a product, when they use a product, and when they use that product to make their lives better.
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Demand isn’t spontaneously generated. … Some combination of events always comes together to generate that demand. We call those forces push and pull.
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Push. People won’t change when they are happy with the way things are. Why would they? People change only when circumstances push them to be unhappy with the way things are. These pushes can be external or internal.
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Pull. If a push is the engine that powers customer motivation, the pull is the steering wheel that directs motivation. Customers experience two kinds of pulls: (1) an idea of a better life and (2) a preference for a particular product.
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The pull for a better life. People don’t buy products just to have or use them; they buy products to help make their lives better (i.e., make progress).
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The pull toward a solution. The pull for a better life is what motivates customers to begin searching for and using a solution against their struggle.
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There are many known and unknown factors to consider about why customers choose one solution over another. However, when we focus on the forces that generate demand, we see that the context of the customer’s push shapes his or her struggle. This affects the criteria used to choose one solution over another.
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Variations in the pushes that customers experience also explain why the same customer might go back and forth between different products for the same JTBD.
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There is no demand—and therefore no JTBD—unless push and pull work together.
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If your product doesn’t help customers make progress, price doesn’t matter.
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Demand-reduction forces are just as important to understand as demand-generating forces.
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For example, a struggling customer may be willing to buy your product but doesn’t because he fears that it’s too hard to use. Instead, he sticks to an old way of doing things, even though he’s unhappy with it. In this example, the result for you is the same, regardless of whether the customer stays with the current way of solving problems or buys a competitor’s solution. You miss out on a paying customer.
Two examples of demand-reducing forces are anxiety and habit.
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Anxiety-in-choice. We experience anxiety-in-choice when we don’t know if a product can help us get a Job Done. It exists only when we’ve never used a particular product before.
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Anxiety-in-use. After customers use a product for a JTBD, the anxiety-in-choice largely disappears. Now their concerns are related to anxiety-in-use. For example, “I’ve taken the bus to work several times. But sometimes it’s late, and other times it’s early. I wish I knew its arrival time in advance.” In this case, we know a product can deliver progress, but certain qualities about it make us nervous about using it.
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Habit. Just as customers experience different types of anxieties, customers experience different types of habits: habits-in-choice and habits-in-use. Understanding customers’ habits plays an important part in your ability to offer innovations.
Habits-in-choice. These are the forces that exist at the moment of decision and prevent a customer from switching from one product to another.
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Habits-in-use.
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Habit and anxiety are your silent competitors. At its core, innovation is about helping customers make progress. Get them to that better version of life that they aspire to. It’s not just about helping customers break constraints by pulling them with flashy, new features. A lot of not-so-sexy work is involved.
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I ferociously attack habits as I would any competing product. I recommend you do the same. You can lose revenue because you haven’t accounted for people’s habits, or you can lose revenue because your product is inferior to a competing one. In both cases, the result is the same: you lose revenue."
"When we see skilled performers succeeding in difficult circumstances, we habitually describe them as having triumphed over adversity, or despite the odds. But that’s not always the right perspective. Jarrett didn’t produce a good concert in trying times. He produced the performance of a lifetime, but the shortcomings of the piano actually helped him.Agora, a situação de Keith Jarrett começa a ter semelhanças com a mensagem do livro de Malcom Gladwell sobre David e Golias...
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The substandard instrument forced Jarrett away from the tinny high notes and into the middle register. His left hand produced rumbling, repetitive bass riffs as a way of covering up the piano’s lack of resonance. Both of these elements gave the performance an almost trancelike quality. That might have faded into wallpaper music, but Jarrett couldn’t drop anchor in that comfortable musical harbor, because the piano simply wasn’t loud enough.
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“What’s important to understand is the proportion between the instrument and the magnitude of the hall,” recalls Vera Brandes. “Jarrett really had to play that piano very hard to get enough volume to get to the balconies. He was really—pchow—pushing the notes down.”
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Standing up, sitting down, moaning, writhing, Jarrett didn’t hold back in any way as he pummeled the unplayable piano to produce something unique. It wasn’t the music that he ever imagined playing. But handed a mess, Keith Jarrett embraced it, and soared.
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Keith Jarrett’s instinct was not to play, and it’s an instinct that most of us would share. We don’t want to work with bad tools, especially when the stakes are so high. But in hindsight, Jarrett’s instinct was wrong. What if our own similar instincts are also wrong, and in a much wider range of situations?"
"A elaboração do Orçamento do Estado exige a resolução de um polígono de quatro vectores: o vector estruturante (o que incide sobre o problema prioritário no período: a dívida e a necessidade de converter o modelo de desenvolvimento que gerou, e continua a gerar, a acumulação da dívida); o vector correctivo (para resolver os desequilíbrios que agravam o problema prioritário: o valor do défice orçamental não é um objectivo imposto pelos credores, é uma necessidade imposta pelo vector estruturante); o vector da sustentabilidade (que desenha e reformula as políticas públicas, para que a despesa do Estado não continue a agravar o problema da dívida). Só depois destes três aparece o vector da estratégia, que é função do volume de recursos que restar (e que terá como prioridade a criação de condições para a atracção e captação de recursos externos, porque os recursos gerados na escala e na qualificação dos mercados internos não serão suficientes).
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O que tem sido anunciado não permite esperar que o Orçamento do Estado venha a ser o que devia ser: o vector estruturante implícito é a plataforma parlamentar de sustentação do poder e o vector correctivo explícito é o retorno à configuração que esteve, e está, na origem da acumulação da dívida; não haverá vector de sustentabilidade e o vector estratégico ficará vazio."
"So yes, disruption is here and it’s real and it’s happening in a lot of industries.Uma mensagem na linha da de Suzanne Berger em 2006:
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But … the way we think about it is often wrong.
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Some health club industry leaders will claim that nothing can replace human interactions, so clubs and trainers can’t be threatened by these new business models. I’d have to disagree. It is true that there is no replacement for human beings, but technology is enabling business models to do things in ways that humans on their own can not at scale.
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Many of the most successful brands will blend human interaction with technology tools to create even higher levels of service -- and trainers can support hundreds of clients with a combination of digital and physical delivery.
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By 2020, you’re going to see a global wellness community of over 1B on traditional brick-and-mortar health clubs, wearables, and apps. Each aspect of the ecosystem is going to inform the others. It’s not that MyFitnessPal or a newer, cooler FitBit is going to “kill” the traditional health club industry. It’s going to be a partnership where each side informs the other.
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That’s what we often get wrong about disruption. Amazon didn’t kill traditional commerce; it helped shift it. [Moi ici: Recordar este exemplo recente] Uber hasn’t killed yellow cabs, but it’s made them think differently about their business models. When we view disruption in terms of “X will destroy Y,” we create fear-based, short-term thinking in traditional executives -- and that’s bad for everyone.
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The fitness industry is about living your best life and being your best self -- with a few people making some money along that arc. There are disruptive technologies reshaping how the industry thinks about and presents itself, yes, but ultimately these technologies will help to create a massive global ecosystem rooted in an omni-channel approach to delivery."
“… there are no “sunset” industries condemned to disappear in high wage economies, although there are certainly sunset and condemned strategies, among them building a business on the advantages to be gained by cheap labor”
""Beauty is a very personal thing," says Finding Ferdinand founder Nhu Le. "People don't want to be told. They want to choose what looks good."
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As Le sees it, customization is what today's consumers desire of all industries, not just cosmetics. "There's definitely a subset of the market that wants customization, especially with millennials and the 'selfie generation,'" she says. "They want to dictate what's [personally] looking good."
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The ability to compose a unique product versus pacing a store floor has inspired a new generation of startups to take aim at the beauty industry. These companies are reimagining how we purchase everything from nail art to hair products.
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"We believe [customization] is the new form of luxury, which is really a return to the old form of luxury in the idea of having something made just for you,"
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Consumer involvement can create strong bonds. Like the do-it-yourself "maker" movement, people increasingly want to create. "From start to finish, you feel like you're involved and getting a product that you like,"
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"If you look at any other industry, from social media to fashion, from technology to food, you will notice that customization is definitely the trend and the future,""
"Benetton aposta no “made in Italy”Outro sinal do reshoring em curso um pouco por todo o lado. Não admira que as exportações do têxtil e vestuário português estejam a crescer mais de 6% face a 2015.
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A marca de moda Benetton deverá lançar uma nova linha “made in Italy” este ano, numa tentativa de trazer a empresa de volta às suas raízes e «recentrar no seu principal know-how». A coleção, que deverá ser produzida em Treviso e chamar-se “TV 31100”, o código postal da cidade, deverá estrear-se em novembro, com os primeiros designs a serem uma série de malhas superleves, feitas com uma mistura de lã merino e caxemira. De acordo com o WWD, a empresa terá investido 2 milhões de euros para o projeto, tendo adquirido 36 teares Shima Seiki para fazer as malhas e empregado mais cerca de 50 pessoas extra para a produção. Os primeiros produtos feitos em Treviso vão chegar às lojas europeias no próximo mês, a que deverá seguir-se a Índia e o México, e serão consistentes com os preços da marca, ficando abaixo dos 80 euros."
“Stop trying to turn bad customers into good ones. Focus on good ones and finding millions of those.” Prof. @ebradlow #wcaiconf pic.twitter.com/SM4WDjGtHG— The Wharton School (@Wharton) October 14, 2016
"“A estagnação não é inevitável”, afirmou Pedro Braz Ferreira, do Núcleo de Estudos de Conjuntura da Economia Portuguesa, esta quinta-feira. Mas “2016 foi um ano perdido”. O investigador da Católica Lisbon School of Business and Economics considerou que Portugal foi vítima da globalização porque não soube dar resposta."O que é que isto "Portugal foi vítima da globalização porque não soube dar resposta."" quer dizer?
"It is widely believed that restructuring has boosted productivity by displacing low-skilled workers and creating jobs for the high skilled."Mas, e como isto é profundo:"In essence, creative destruction means that low productivity plants are displaced by high productivity plants." Por favor voltar a trás e reler esta última afirmação.
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"Lovaglia’s Law: The more important the outcome of a decision, the more people will resist using evidence to make it."
"If an organisation is too stable it can ossify, but if it is too unstable it can disintegrate. Successful organisations work between these two conditions or states, in what Stacey called ‘the chaos zone’."
"If the customer doesn't care about the price, then the retailer shouldn't care about the cost,"
“It's not enough that we do our best; sometimes we have to do what's required”.
"Das Leben, das uns gegeben ist, ist uns nicht als etwas Fertiges gegeben, sondern wir müssen es uns gestalten, und zwar jeder sein eigenes."
"Eine Regierung, die nichts wert ist, kostet am meisten."
"Forget trying to persuade them; light their pants on fire."
"O futuro é o que importa. O futuro é a base do significado, é de onde vem o projecto que alguém tem para si próprio"
"The single biggest problem in communication is the illusion that it has taken place."
“It is not the strongest of the species that survives, nor the most intelligent; it is the one that is most adaptable to change.”
"o Marketing só existe a partir do pensamento estratégico, caso contrário "não resulta""
"It is difficult to get a man to understand something, when his salary depends upon his not understanding it"
"Perder diversidade é como arrancar páginas de um livro. Quantas páginas poderemos arrancar até deixar de compreender o enredo?"
The great enemy of the truth is very often not the lie – deliberate, contrived and dishonest – but the myth, persistent, persuasive, and unrealistic. Belief in myths allows the comfort of opinion without the discomfort of thought."
"By strategy, I mean a cohesive response to a challenge. A real strategy is neither a document nor a forecast but rather an overall approach based on a diagnosis of a challenge. The most important element of a strategy is a coherent viewpoint about the forces at work, not a plan."
"Un desastre està punt de succeir a Espanya. El malentès de la gravetat de la crisi costarà car als inversors, ja que tindrà profundes conseqüències per a tot el sistema bancari europeu", afirma.
Entre d'altres coses, Mauldin diu que "els inversors estan fumant crack si creuen que els bancs espanyols són entre els més forts d'Europa, ja que estan amagant les seves pèrdues".
“… there are no “sunset” industries condemned to disappear in high wage economies, although there are certainly sunset and condemned strategies, among them building a business on the advantages to be gained by cheap labor”
"o vencedor da vida, o optimista que vive em incesto com o próprio ego, é o traço mais frágil do líder"
"We shall not grow wiser before we learn that much
that we have done was very foolish."
You may not be able to change the world but can at least get some entertainment & make a living out of the epistemic arrogance of the human race.
"I wanted you to see what real courage is, instead of getting the idea that courage is a man with a gun in his hand. It's when you know you're licked before you begin but you begin anyway and you see it through no matter what. You rarely win, but sometimes you do."
“Trust your guts. But not too much!”
"Customers will try 'low-cost providers,' because the majors have not given them any clear reason not to." "
"Natal é quando as Crianças pedem e os Pais pagam. Défices é quando os Pais pedem e as Crianças pagam."
"A imprevidência dos povos é infinita, a dos governos é legal"
"What a man sees depends both upon what he looks at and also upon what his previous visual-conceptual experience has taught him to see"
“The leaders first task is to be the trumpet that sounds a clear sound”
"lamented the lack of any systematic data on the scale of unfunded IOUs that care-free politicians have handed out like confetti."
"Let them call me rebel and welcome, I feel no concern from it; but I should suffer the misery of devils, were I to make a whore of my soul..."
O problema não é o consumo. O problema é o consumo assente em endividamento."
"There are designations, like "economist", "prostitute", or "consultant" for which additional characterization doesn't add information."
When it becomes more difficult to suffer than change, you will change"
"Hope is not a strategy and a crisis is a terrible thing to waste"
The more you can see of the present, the more you can see of the future"
Yes, You can change the future, but only changing the present"
"Entrepreneurship is 'Having aspirations greater than your resources'"
“The single biggest reason companies fail is they overinvest in what is, as opposed to what might be."
"The first principle is that you must not fool yourself - and you are the easiest person to fool. So you have to be very careful about that"
"A estabilidade é uma ilusão"
"When we create the conditions of possibility, the universe becomes our co-conspirator"
Thinking about doing is not doing. Talking about doing is not doing. Doing is doing."
"'God has created me to do him some definite service. He has committed some work to me which he has not committed to another'.
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"Each of us has a mission, each of us is called to change the world, to work for a culture of life, a culture forged by love and respect for the dignity of each human person.
"As our Lord tells us in the Gospel we have just heard, our light must shine in the sight of all, so that, seeing our good works, they may give praise to our heavenly Father."
"The future is not there waiting for us. We create it by the power of imagination."
"confusing testosterone with strategy is a bad idea"
"Much consulting involves the application of models to a system, as opposed to getting involved in the system as a positive change agent""
"O Portugal que pára sem orçamento é precisamente aquele que vive dele e que há todo o interesse em parar."
"credibilidade da política financeira e dos seus executores está ao nível da credibilidade de uma barraca das farturas"
"The role of the manager is thought to be reduction of uncertainty rather than the capacity to live creatively in it"
"today an entrepreneur is closer to artists than managers"
"A business without a path to profit isn’t a business, it’s a hobby"
"If no one’s upset by what you’re saying, you’re probably not pushing hard enough. (And you’re probably boring, too.)"
"Storytelling isn’t just how we construct our identities, stories are our identities"
"'He who has a why to live can bear almost any how' "
"They can because they think they can"
"Se há coisa que não suporto é misturar catequese com negócios, é a incapacidade para calçar os sapatos do outro e só pensar na nossa posição de coitadinhos, pobres vítimas indefesas dos maus e que por isso precisamos do Estado todo poderoso para nos proteger e, nem percebem na volta, os juros que o Estado cobra por esse serviço mafioso de protecção que, ainda por cima não resolve nada."
"Empathy is like a universal solvent. Any problem immersed in empathy becomes soluble."
"In victory, do not brag; in defeat, do not weep"
"Value it's a feeling not a calculation"
"An economist is someone who has had a human being described to him, but has never actually seen one."
"Don't finish first--it's not about running a rat race. Start with a better ending in mind."
"If you sit in on a poker game and don’t see a sucker, get up. You’re the sucker.”
"The 'value added' for most any company, tiny or enormous, comes from the Quality of Experience provided."
"Crediting government with the success of entrepreneurs is like crediting the guy who built Bill Gates’ garage with the success of Microsoft."
"I have found that assuming social scientists understand the difference between correlation and causality is not generally a good one."
"Promising never to raise taxes, without reaching a deal on spending, really means a high and rising commitment to future taxes."
"Some things are so foolish that only an intellectual could believe them, for no ordinary man could be such a fool"
"os bancos não financiam a economia, a poupança sim"
"I do not know the key to success, but the key to failure is trying to please everybody"
"Never be afraid to try, remember... Amateurs built the ark. Professionals built the Titanic."
"terms such as 'experiment' and 'observation' cover complex processes containing many strands. 'Facts' come from negotiations between different parties and the final product - the published report - is influenced by physical events, dataprocessors, compromises, exhaustion, lack of money, national pride and so on."
"'science in the making' is 'the consequence of [a] settlement' of 'controversies'."
"If the state wishes to spend more, it can do so only by borrowing your savings or taxing you more. And it's no good thinking someone else will pay, that someone else is you."
"All failures of strategy are rooted in the assumption that outcomes are predictable."
"Doing things like your bigger competitors is how to get killed in the wars out there"
“Uma moeda boa e forte é como a saúde. Só lhe damos verdadeiramente valor quando não a temos.”
"Life’s tough. It’s tougher if you’re stupid"
"O homem de bem exige tudo de si próprio; o homem medíocre espera tudo dos outros"
"Change is a threat when done to me, but an opportunity when done by me."
"As elites foram deixando de falar das exportações à medida que se foi percebendo que o país consegue exportar sem elas"
"Your toughest competition is the little voice inside your head telling you to stop"
"Pain is just weakness leaving your body"
"Built to last" is bad economics. Built to do something great" is the better idea. Think: "Creative destruction."
"the world is an uncertain place no matter how many Greek letter equations you affix to a problem."
"You never change things by fighting existing reality. To change s.th., build a new model making the existing model obsolete"
“No, no, you're not thinking; you're just being logical.”
"Success is not a destination. It's the trail you leave behind you."
"Winners make a habit of manufacturing their own positive expectations in advance of the event."
“You’ve got to start with the customer experience and work back toward the technology – not the other way around”
"Strategy as the "smallest set of - intended or actual - choices and decisions sufficient to guide all other choices and decisions sufficient to guide all other choices and decisions."
"When something is commoditized, an adjacent market becomes valuable"
"nature evolves away from constraints, not toward goals"
"There aren't any textbooks on what to stop doing!"
"With great power comes great irresponsibility "
"Weird things happen when you take price out of the equation for consumers"
"‘It’s so damn complex. If you ever think you have the solution to this, you’re wrong and you’re dangerous.’"
"Saruman believes it is only great power that can hold evil in check, but that is not what I have found. I found it is the small everyday deeds of ordinary folk that keep the darkness at bay. Small acts of kindness and love."
"Increasing stuff that doesn't add value dilutes existing value."
"O federalismo não é a alternativa à troika, é a troika para sempre."
"Never underestimate the difficulty of changing false beliefs by facts"
"Stressors are information"
“If you hear a “prominent” economist using the word ‘equilibrium,’ or ‘normal distribution,’ do not argue with him; just ignore him, or try to put a rat down his shirt.”
"The advantage of experiences over things for most of us is that we can make them seem unique, which = scarce, which = value"
"Pedras no caminho?
Guardo todas, um dia vou construir um castelo"
"Without risk, faith is an impossibility."
"Não posso com quem vive a achar que os outros lhe devem sempre alguma coisa."
"In a world of increasing automation, our ability to perform tasks is not nearly as important as our ability to dream. The questions we need to ask are not ones of action, but ones of meaning"
"Me arrancam tudo a força e depois me chamam de contribuinte."
"Letting people vote for expensive programs that “somebody else” will finance is a good recipe for getting people to vote irresponsibly"
"what's fairness gotta do with pricing based in value?"
"The epic battle of our generation is between the status quo of mass and the never-ceasing tide of weird."
“Price is emotional”
"There will always be a reason why you can't pursue it, until competitors create a reason why you must."
"The most important thing to study is opening theory"
"The greater the contrast, the greater the potential"
“Customers don't care about your solution, they care about their problems.”
"Todos querem conhecer a verdade, mas o que desejam é que lhes contem uma mentira em que não sejam protagonistas."
"Execution efficiency strangles innovation in the crib, but not with malice, by default.”
"Our obsession with scalability is getting in the way of unleashing the potential of the 21st century."
"The system is optimized to mitigate risk, not create value"
"Champions are made when no one is looking"
"Don't bargain on value. Half as expensive is often twice as cheap."
"Customers care about outcomes, not effort, technology, or originality."
"
"You don't have to pick between 1) playing the game and 2) not playing the game. You can *change* the game."
""The first principle is that you must not fool yourself and you are the easiest person to fool." "