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Bank jobs are bleeding out of London — and Brexit hasn't even kicked in yet

Despite fears of irrevocable damage, the City of London is unlikely to change substantially once the U.K. leaves the European Union.

The financial services industry has been quietly preparing for Brexit given that it's likely to lose its EU pass porting rights – meaning that it will need extra licenses to serve EU-based customers.

The negotiations between London and Brussels are still ongoing and it is unclear how many employees will have to be moved from London to other European cities. At the moment, the disruption appears to be minimal compared to the overall size of the industry.

But there are clear winners from the exit of some jobs from London with Frankfurt and Dublin the top destinations for institutions that wish to continue working with clients across the EU.

Barclays
The British bank has said it will expand its Irish subsidiary to continue its European trade. The bank hasn't revealed figures of how many new jobs it will need in Dublin as it is still in negotiations with regulators and waiting for more details from Brexit talks.

Bank of America Merrill Lynch 
Bank of America has also chosen Dublin as its preferred location to place its European legal entities. "Dublin is the home to more of our employees than any other European city outside of the U.K. We already have a fully licensed and operation Irish-domiciled bank," the bank said in a statement in July.

BofAML will be moving "hundreds" of roles to Dublin, but also to a few other undisclosed EU locations.

Citigroup
Citigroup might create 150 new jobs in different EU locations. The bank said that it will convert its existing subsidiary in Frankfurt into an investment firm. Other capabilities such as private banking will also be enhanced in other cities, such as Amsterdam, Dublin and Paris.

Credit Suisse
The Swiss bank is "currently exploring solutions to various outcomes, including a hard Brexit," a spokeswoman told CNBC. The bank hasn't presented any Brexit strategy as of yet, but as a result of restructuring plans, the UK-based workforce has been reduced over the past few years.

Deutsche Bank
The German lender hasn't specified its Brexit plans but it is set to beef up its Frankfurt basis. In April this year, the bank said that it could move up to 4,000 jobs to Germany - the highest potential bank move, but for now the bank is still assessing the situation.

Goldman Sachs
The investment bank hasn't presented its plans for the post-Brexit world but its management team has given a few indications of what might happen. Richard Gnodde, head of Goldman Sachs Europe told the BBC in late July that the bank has begun moving operation from London to Frankfurt and other European cities. "Client-facing staff will move closer to their clients, be it Milan or Madrid or any other European capital," he said.


At the moment there are 200 bankers based in Frankfurt, which according to Gnodde, could at least double.

HSBC
HSBC's CEO Stuart Gulliver said during the bank's full year results: "We employ 43,000 people in the UK. When they leave the single market, which obviously the Prime Minister has indicated that we will, we will employ 42,000 people in the UK and a thousand jobs will be unlawful to carry out from the U.K. once we've left the single market."


The lender chose Paris because it owns a bank in France that has all the licences.

JP Morgan
JP Morgan is expected to move "hundreds" of employees. It will use Dublin, Frankfurt and Luxembourg as "legal anchors" but it hasn't yet announced details for such moves.

Royal Bank of Scotland (RBS)
The bank has said that it is looking at placing its EU-focused business in Amsterdam.

"Obviously we've got a bank there with the appropriate licenses, we've had a long history in Amsterdam (and) for us at least it is a very logical choice," Ewen Stevenson, RBS chief financial officer told CNBC during the bank's latest results earlier this month.


He added that "probably no more than about 150 people" will be relocated.

Standard Chartered
"We are in the process of submitting an application to an EU subsidiary to be based in Frankfurt, This is not our headquarters, which will very much remain in London," the bank told CNBC.


The British bank is expected to move only a "minimal" amount of jobs.

UBS
Swiss bank UBS is still drafting plans. The bank is assessing Frankfurt, Madrid and Amsterdam as its potential EU locations. It could affect 1000 people but for now that figure is a mere estimate.

DRDO Notifies Apprenticeship Training For Graduate, Diploma, ITI Candidates - DRDO LATEST - LATEST JOBS

Application must reach the concerned authorities by 5 September 2017.

NEW DELHI:  Defence Research and Development Organization (DRDO) has released job notification for apprenticeship training at Gas Turbine Research Establishment (GTRE), Bengaluru. A total of 150 vacancies are open for recruitment for graduate, diploma and ITI certificate holders. Candidates can submit their applications (in the prescribed format) to The Director, Gas Turbine Research Establishment, CV Raman Nagar, Bengaluru-560093. Details in this regard can be found at the official website of DRDO at drdo.gov.in. As a part of the selection process, candidates should note that there would be no interview for Diploma and ITI trades.

There will not written exam for selection; however those applying for graduate apprentice training program will have to undergo interview process.

Vacancy Details

Graduate Apprentice Trainee: 90 posts
Diploma Apprentice Trainees: 30 posts
ITI Apprentice Trainees: 30 posts


Candidates must be in the age group of 18-27 years (age relaxation guidelines can be checked from the official job notification).

Applicants should note that, 'those candidates who have completed the qualifying examination as regular candidate are only eligible to apply,' reads the official notification. Further it also mentions that those candidates who have already undergone apprenticeship training or at present undergoing apprenticeship training under any organization and who have more than one year work experience are not eligible to apply.

Final list of selected candidates will be declared on 27 September 2017 and date of joining at GTRE will be 3 October 2017. Candidates should regularly follow the website of DRDO for changes, if any.

BEST QUOTES IN THE WORLD- every student must see - everyone who wants to be success must see - BEST WORDS IN THE WORLD BY BEST PEOPLE - EVERYONE MUST WANT TO READ ONCE

 “You will never have this day again so make it count!”

 “Set a goal that makes you want to jump out of bed in the morning.”

“I opened two gifts this morning. They were my eyes.”

“Smile at strangers, slow down, say thank you, laugh and give compliments today.”

 “Everyday may not be good, but there is something good in every day”
“Focus on the good.”

“Never stop believing in hope because miracles happen every day.”

“If you want to make your dreams come true, the first thing to so is to wake up”

 “Life is like a mirror: It’ll smile at you if you smile at it”

Monday is the perfect day to correct last week’s mistakes. Good morning!

It always seems impossible until it's done -Nelson Mandela

Education is the most powerful weapon which you can use to change the world. Nelson Mandela

 In life, NO ONE and NOTHING will help you until you start helping YOURSELF.



Every problem might not have a solution right now, but don’t forget that but every solution was once a problem.



It is true that experience is one of life’s best teachers. But if you don’t study you will probably never get any experience in the first place.



 In real life, there is no such thing as second place. Either you are a winner, or you’re not.

Listen to your teachers when they tell you WHAT to do. But more importantly, think about it later and ask yourself WHY they told you to do it.

 Success might be relative but most things that matter in real life aren’t. A degree is a degree, a job is a job and hard work is hard work – as simple and direct as it can be.

Life is all about CHANCES and OPPORTUNITIES. Never leave anything to CHANCE and never let an OPPORTUNITY get away.

Study like there’s no tomorrow because if you keep putting off your studies for tomorrow, you’ll probably be too late.

Winners from all walks of life have their own strategies and plans but they all have one thing in common – they TRY. Keep trying.

Give up on your frustration but never on your hopes. Give up thinking about your setbacks but never on your goals. Give up worrying about your past but never on your future.

Everyone has a talent and so do you. Let it shine out, is all you have to do.

Don’t feel sad because you are different from others. Every unique skill and talent has the potential to make you a superstar. Embrace your personality and unchain your inner strength. Don’t forget – the one thing that all successful people have in common is that they were different than everyone around them.

Expecting to get a good job without studying hard is like expecting to win a marathon without running it.

Succeeding in life is as simple as being a good student. All you have to do is pay attention, work hard and give it your best shot.

Education is the anchor that holds life together through choppy waters. Study hard.

Failure is only temporary. The only thing that should be permanent is your will to overcome it.

Being a good student is less about the ability to rote and more about the desire to learn.

It’s okay if you don’t know what to do in life as long as you are not doing something you shouldn’t be doing. Staying on one of the right paths is better than veering off to the wrong ones.

You will meet a lot of people in your life who will give you advice and tell you what’s best for you. Listen to them but at the end of the day, do only what your heart tells you to.

Don’t give it YOUR best shot. Give it the best shot ANYONE could have possibly given.

Each and every problem is a skill waiting to be learnt in disguise.


Stop thinking about WHAT WILL HAPPEN and start thinking about WHAT YOU CAN DO.

Being a good student throughout school and college is like preparing yourself for a marathon which will begin after you graduate. Focus on your goals and study hard, because the last thing you want is to tire yourself out before the finish line.

Greatness is simply defined as the ability to believe in yourself and ignoring everyone who says you can’t do it.

Don’t study to earn, study to learn. What you learn today is what you will become tomorrow.

Don’t take SHORTCUTS in life because in the long run they will CUT SHORT your journey.

Think of every single bully who has made fun of you and humiliated you in front of all your friends. Use the image of their faces to motivate yourself to study hard and work harder. Think of how amazing it will be when twenty years down the line, you see them living in a trailer while you cruise past in your Bentley.

You can look for inspirational quotes about success but that won’t do you any good until you try to be an inspiration yourself.

Aiming for the stars? Great, but did you have to build a rocket first.

Time can be your best friend and your worst enemy depending on whether you use it or waste it.

Jobs and bosses will come and go, but your education will always help you to grow.

Life is your journey, Goals are your destination and Hard Work is your set of wheels.

Even a billion starts with ONE – all you need to do is take that ONE step and keep trying again and again until you reach where you want to be.

As a student the most important thing to remember is that Laziness is your worst enemy and Hard Work is your best friend.

Life is less complicated than it seems. Good habits and hard work are all it takes to succeed and win.

You might have hundreds of likes on Facebook but that won’t pay your bills. You might have tens of retweets on Twitter every day but that’s not going to pay your mortgage. You might have heaps of unread messages on WhatsApp but that’s not going to pay for your new car. You might have dozens of likes on Instagram that’s not going to pay for your life. Get a life, start working hard today.

You can use excuses to convince others, but how will you convince yourself?

Everyone makes mistakes. But only those who stand up and look a mistake in the eyes to say I WILL FIX YOU, go on to succeed.

Education is not a safety net. It is the rocket which will propel you towards success. All you have to do is have an aim and work on everything that takes to get a lift-off.

What is success?  Everyone seems to think about it quite differently! While some people think that money or fame equals success, there is a lot more to it than that.  True success is not about things or status, but is about the kind of person you are and the positive impact you have on the world. Here are some of the many ways that success can be defined:

• Living a life you can be proud of
• Doing your best
• Spending your time with people and activities that are important to you
• Standing up for things that are right even when it’s hard
• Becoming the best version of you.

So what does it take to become successful?  Several things!

• A worthwhile goal
• Action, not just talk
• Hard work
• Preparation and practice
• Good habits
• Perseverance

You will notice these keys to success in many of the quotes for students and kids below:

“Success is not the key to happiness. Happiness is the key to success. If you love what you are doing, you will be successful.” – Herman Cain 

“Action is the fundamental key to success.” – Pablo Picasso

“Try not to become a man of success. Rather become a man of value.” – Albert Einstein

“Success doesn’t come to you, you’ve got to go to it.” – Marva Collins

“The level of our success is limited only by our imagination and no act of kindness, however small, is ever wasted.” – Aesop quotes 

“The expert in anything was once a beginner.” – Helen Hayes

“The difference between a successful person and others is not a lack of strength, not a lack of knowledge, but rather a lack in will.” – Vince Lombardi

“Practice isn’t the thing you do once your good.  It’s the thing you do that makes you good.” – Malcolm Gladwell

“Preparation is the key to success.” – Alexander Graham Bell

“Success means having the courage, the determination, and the will to become the person you believe you were meant to be.” – George Sheehan

“If you really want to do something, you will find a way. If you don’t, you’ll find an excuse.” – Jim Rohn

“Our greatest weakness lies in giving up. The most certain way to succeed is always to try just one more time.” – Thomas A. Edison

“There’s no elevator to success.  You have to take the stairs.” – Unknown

“Success comes in cans; failure in can’ts” – Wilfred Peterson

“There are no secrets to success. It is the result of preparation, hard work, and learning from failure.” – Colin Powell

“Only those who dare to fail greatly can ever achieve greatly.” – Robert F. Kennedy

Success is a ladder that cannot be climbed with your hands in your pocket.” – Mark Caine

“The dictionary is the only place where success comes before work.” – Mark Twain 

“The starting point of all achievement is desire.” – Napoleon Hill


“There is no elevator to success. You have to take the stairs.” 

“Live as if you were to die tomorrow. Learn as if you were to live forever.” —Gandhi

“Do not wait to strike till the iron is hot; but make it hot by striking.” —William Butler Yeats

“Learning is not a spectator sport.” —D. Blocher

“It is wiser to find out than to suppose.” —Mark Twain

“Education is what survives when what has been learned has been forgotten.” —B. F. Skinner.

“Learn from yesterday, live for today, hope for tomorrow.” —Albert Einstein.

“The purpose of learning is growth, and our minds, unlike our bodies, can continue growing as long as we live.”

“The best way to predict your future is to create it.”

“Whatever you can do, or dream you can do, begin it. Boldness has genius, power, and magic in it. Begin it now.”

“Even if you’re on the right track, you’ll get run over if you just sit there.”

“Be a student as long as you still have something to learn, and this will mean all your life.” 

“If you hear a voice within you say ‘you cannot paint,’ then by all means paint, and that voice will be silenced.”

“Don’t go around saying the world owes you a living. The world owes you nothing. It was here first.”

“Success consists of going from failure to failure without loss of enthusiasm.”

“Your time is limited, don’t waste it living someone else’s life. Don’t be trapped by dogma, which is living the result of other people’s thinking. Don’t let the noise of other’s opinion drowned your own inner voice. And most important, have the courage to follow your heart and intuition, they somehow already know what you truly want to become. Everything else is secondary.”

“When one door closes, another opens; but we often look so long and so regretfully upon the closed door that we do not see the one which has opened for us.”

“Don’t say you don’t have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michelangelo, Mother Teresa, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein.”

“Our greatest weakness lies in giving up. The most certain way to succeed is always to try just one more time.”

“If you don’t go after what you want, you’ll never have it. If you don’t ask, the answer is always no. If you don’t step forward, you’re always in the same place.”


“Believe in yourself and all that you are. Know that there is something inside you that is greater than any obstacle.”

“There are far, far better things ahead than any we leave behind.”

“All subjects are the same. I memorize notes for a test, spew it, ace it, then forget it. What makes this scary for the future of our country is that I'm in the tip-top percentile on every standardized test. I'm a model student with a very crappy attitude about learning.” 

“A parent gives life, but as parent, gives no more. A murderer takes life, but his deed stops there. A teacher affects eternity; he can never tell where his influence stops.” 

“When the student is ready the teacher will appear. When the student is truly ready... The teacher will Disappear.”

“Teachers can be a living example to their students. Not that teachers should look for students to idealize them. One who is worth idealizing does not care whether others idealize them or not. Everyone needs to see that you not only teach human values but you live them. It is unavoidable sometimes you will be idealized -- it is better for children to have a role model, or goal, because then the worshipful quality in them can dawn.” 

“If you know that I am genius 
Then know that you made me genius 
Everyone don't accept me as genius 

Because they aren't genius to belief me as genius” 

Accept responsibility for your life. Know that it is you who will get you where you want to go, no one else.

Just know, when you truly want success, you'll never give up on it. No matter how bad the situation may get.

I don’t regret the things I've done, I regret the things I didn't do when I had the chance.

Challenges are what make life interesting and overcoming them is what makes life meaningful.

Its hard to wait around for something you know might never happen; but its harder to give up when you know its everything you want.

One of the most important keys to Success is having the discipline to do what you know you should do, even when you don't feel like doing it.

Good things come to those who wait… greater things come to those who get off their ass and do anything to make it happen.

Happiness cannot be traveled to, owned, earned, or worn. It is the spiritual experience of living every minute with love, grace & gratitude.

In order to succeed, your desire for success should be greater than your fear of failure.

Go where you are celebrated – not tolerated. If they can’t see the real value of you, it’s time for a new start.

Don't be afraid to stand for what you believe in, even if that means standing alone.

The best revenge is massive success.

Forget all the reasons it won’t work and believe the one reason that it will.

I am thankful for all of those who said NO to me. Its because of them I’m doing it myself.

The only way to do great work is to love what you do. If you haven’t found it yet, keep looking. Don’t settle.

Life is short, live it. Love is rare, grab it. Anger is bad, dump it. Fear is awful, face it. Memories are sweet, cherish it.

When you say 'It’s hard', it actually means 'I’m not strong enough to fight for it. Stop saying its hard. Think positive!!

Life is like photography. You need the negatives to develop.

Don’t worry about failures, worry about the chances you miss when you don’t even try.

The pain you feel today is the strength you feel tomorrow. For every challenge encountered there is opportunity for growth.

Build your own dreams, or someone else will hire you to build theirs.

The only thing that stands between you and your dream is the will to try and the believe that it is actually possible!

Self confidence is the most attractive quality a person can have. how can anyone see how awesome you are if you can’t see it yourself? 

We learn something from everyone who passes through our lives. Some lessons are painful, some are painless. But, all are priceless.

Being happy doesn't mean that everything is perfect. It means that you've decided to look beyond the imperfections.

Nobody ever wrote down a plan to be broke, lazy, or stupid. Those things are what happen when you don’t have a plan.

Three things you cannot recover in life: the WORD after it’s said, the MOMENT after it’s missed and the TIME after it’s gone. Be Careful!

Though no one can go back and make a brand new start, anyone can start from now and make a brand new ending.

When the past calls, let it go to voice-mail, believe me, it has nothing new to say.

Rule #1 of life. Do what makes YOU happy. ...Walk away from anything or anyone who takes away from your joy. Life is too short to put up with fools.

Love what you have. Need what you want. Accept what you receive. Give what you can. Always remember, what goes around, comes around.

Just remember there is someone out there that is more than happy with less than what you have.

The biggest failure you can have in life is making the mistake of never trying at all.

Life has two rules: #1 Never quit #2 Always remember rule # 1.


No one is going to hand me success. I must go out & get it myself. That’s why I’m here. To dominate. To conquer. Both the world, and myself.

"If you set your goals ridiculously high and it's a failure, you will fail above everyone else's success."

"Success usually comes to those who are too busy to be looking for it."

"Things work out best for those who make the best of how things work out."

"Entrepreneurs average 3.8 failures before final success. What sets the successful ones apart is their amazing persistence."

"If you are not willing to risk the usual, you will have to settle for the ordinary.''

"Take up one idea. Make that one idea your life--think of it, dream of it, live on that idea. Let the brain, muscles, nerves, every part of your body, be full of that idea, and just leave every other idea alone. This is the way to success."

"Stop chasing the money and start chasing the passion."

"All our dreams can come true if we have the courage to pursue them."

"If you are willing to do more than you are paid to do, eventually you will be paid to do more than you do."

"Success is walking from failure to failure with no loss of enthusiasm."

"Whenever you see a successful person, you only see the public glories, never the private sacrifices to reach them."

"Success? I don't know what that word means. I'm happy. But success, that goes back to what in somebody's eyes success means. For me, success is inner peace. That's a good day for me."

"Opportunities don't happen. You create them."

"Try not to become a person of success, but rather try to become a person of value."

"It is not the strongest of the species that survive, nor the most intelligent, but the one most responsive to change."

"Great minds discuss ideas; average minds discuss events; small minds discuss people."

"The best revenge is massive success."

"I have not failed. I've just found 10,000 ways that won't work."

"A successful man is one who can lay a firm foundation with the bricks others have thrown at him."

"No one can make you feel inferior without your consent."

"The whole secret of a successful life is to find out what is one's destiny to do, and then do it."

"If you're going through hell, keep going."

"What seems to us as bitter trials are often blessings in disguise."

"The distance between insanity and genius is measured only by success."

"Don't be afraid to give up the good to go for the great."

"Happiness is a butterfly, which when pursued, is always beyond your grasp, but which, if you will sit down quietly, may alight upon you."

"If you can't explain it simply, you don't understand it well enough."

"There are two types of people who will tell you that you cannot make a difference in this world: those who are afraid to try and those who are afraid you will succeed."

"Start where you are. Use what you have. Do what you can."

"People ask, 'What's the best role you've ever played?' The next one."

"I find that the harder I work, the more luck I seem to have."

"The starting point of all achievement is desire."

"Success is the sum of small efforts, repeated day-in and day-out."

"If you want to achieve excellence, you can get there today. As of this second, quit doing less-than-excellent work."

"All progress takes place outside the comfort zone."

"You may only succeed if you desire succeeding; you may only fail if you do not mind failing."

"Courage is resistance to fear, mastery of fear--not absence of fear."

"Only put off until tomorrow what you are willing to die having left undone."

"We become what we think about most of the time, and that's the strangest secret."

"The only place where success comes before work is in the dictionary."

"I don't know the key to success, but the key to failure is trying to please everyone."

"Though no one can go back and make a brand-new start, anyone can start from now and make a brand-new ending."

"I find that when you have a real interest in life and a curious life, that sleep is not the most important thing."

"Twenty years from now you will be more disappointed by the things that you didn't do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover."

"The first step toward success is taken when you refuse to be a captive of the environment in which you first find yourself."

"Whenever you find yourself on the side of the majority, it is time to pause and reflect."

"The successful warrior is the average man, with laser-like focus."

"Rarely have I seen a situation where doing less than the other guy is a good strategy."

"Keep on going, and the chances are that you will stumble on something, perhaps when you are least expecting it. I never heard of anyone ever stumbling on something sitting down."

"If you genuinely want something, don't wait for it--teach yourself to be impatient."

"You can't connect the dots looking forward; you can only connect them looking backward. So you have to trust that the dots will somehow connect in your future. You have to trust in something--your gut, destiny, life, karma, whatever. This approach has never let me down, and it has made all the difference in my life."

"If you want to make a permanent change, stop focusing on the size of your problems and start focusing on the size of you!"

"Successful people do what unsuccessful people are not willing to do. Don't wish it were easier; wish you were better."

"The No. 1 reason people fail in life is because they listen to their friends, family, and neighbors."

"In my experience, there is only one motivation, and that is desire. No reasons or principle contain it or stand against it."

"Success does not consist in never making mistakes but in never making the same one a second time."

"I don't want to get to the end of my life and find that I lived just the length of it. I want to have lived the width of it as well."

"Motivation is what gets you started. Habit is what keeps you going."

"Our greatest fear should not be of failure ... but of succeeding at things in life that don't really matter."

"If you don't design your own life plan, chances are you'll fall into someone else's plan. And guess what they have planned for you? Not much."

"Nobody ever wrote down a plan to be broke, fat, lazy, or stupid. Those things are what happen when you don't have a plan."

"To be successful you must accept all challenges that come your way. You can't just accept the ones you like."

"Be content to act, and leave the talking to others."

"You may have to fight a battle more than once to win it."

"Be patient with yourself. Self-growth is tender; it's holy ground. There's no greater investment."

"I owe my success to having listened respectfully to the very best advice, and then going away and doing the exact opposite."

"Many of life's failures are people who did not realize how close they were to success when they gave up."

"The greater the artist, the greater the doubt. Perfect confidence is granted to the less talented as a consolation prize."

"What would you attempt to do if you knew you would not fail?"

"Always bear in mind that your own resolution to success is more important than any other one thing."

"Successful and unsuccessful people do not vary greatly in their abilities. They vary in their desires to reach their potential."

"Would you like me to give you a formula for success? It's quite simple, really: Double your rate of failure. You are thinking of failure as the enemy of success. But it isn't at all. You can be discouraged by failure or you can learn from it, so go ahead and make mistakes. Make all you can. Because remember that's where you will find success."

"Logic will get you from A to B. Imagination will take you everywhere."

"Success is just a war of attrition. Sure, there's an element of talent you should probably possess. But if you just stick around long enough, eventually something is going to happen."

“Patience is a key element of success.” – Bill Gates

“Success is a lousy teacher. It seduces smart people into thinking they can’t lose.” – Bill Gates

“It’s fine to celebrate success, but it is more important to heed the lessons of failure.” – Bill Gates

“People always fear change. People feared electricity when it was invented, didn’t they?” – Bill Gates

“If you can’t make it good, at least make it look good.” – Bill Gates

“I have been struck again and again by how important measurement is to improving the human condition.” – Bill Gates

“If I’d had some set idea of a finish line, don’t you think I would have crossed it years ago?” – Bill Gates

“We always overestimate the change that will occur in the next two years and underestimate the change that will occur in the next ten. Don’t let yourself be lulled into inaction.” – Bill Gates

“To win big, you sometimes have to take big risks.” – Bill Gates

“We’ve got to put a lot of money into changing behavior.” – Bill Gates

“Of my mental cycles, I devote maybe 10% to business thinking. Business isn’t that complicated. I wouldn’t want that on my business card.” – Bill Gates

“I choose a lazy person to do a hard job. Because a lazy person will find an easy way to do it.” – Bill Gates

“Television is not real life. In real life people actually have to leave the coffee shop and go to jobs.” – Bill Gates

“Life is not fair – get used to it!” – Bill Gates

“If geek means you’re willing to study things, and if you think science and engineering matter, I plead guilty. If your culture doesn’t like geeks, you are in real trouble.” – Bill Gates

“Don’t compare yourself with anyone in this world. If you do so, you are insulting yourself.” – Bill Gates

“As we look ahead into the next century, leaders will be those who empower others.” – Bill Gates

“‘I don’t know’ has become ‘I don’t know yet’.” – Bill Gates

“I really had a lot of dreams when I was a kid, and I think a great deal of that grew out of the fact that I had a chance to read a lot.” – Bill Gates

“Your most unhappy customers are your greatest source of learning.” – Bill Gates

“Flipping burgers is not beneath your dignity. Your Grandparents had a different word for burger flipping – they called it opportunity.” – Bill Gates

“Our success has really been based on partnerships from the very beginning.” – Bill Gates

“This is a fantastic time to be entering the business world, because business is going to change more in the next 10 years than it has in the last 50.” – Bill Gates

“The world won’t care about your self-esteem. The world will expect you to accomplish something BEFORE you feel good about yourself.” – Bill Gates

“If you think your teacher is tough, wait till you get a boss.” – Bill Gates

“Expectations are a form of first-class truth: If people believe it, it’s true.” – Bill Gates


“We all need people who will give us feedback. That’s how we improve.” – Bill Gates

 "Success is a lousy teacher. It seduces smart people into thinking they can't lose."

 "It's fine to celebrate success, but it is more important to heed the lessons of failure."

 "This is a fantastic time to be entering the business world, because business is going to change more in the next 10 years than it has in the last 50."

"Your most unhappy customers are your greatest source of learning."


"Intellectual property has the shelf life of a banana."

 "The first rule of any technology used in a business is that automation applied to an efficient operation will magnify the efficiency. The second is that automation applied to an inefficient operation will magnify the inefficiency."

 "Everyone needs a coach. It doesn't matter whether you're a basketball player, a tennis player, a gymnast, or a bridge player."

 "In business, the idea of measuring what you are doing, picking the measurements that count, like customer satisfaction and performance ... you thrive on that."

 "Of my mental cycles, I devote maybe 10 percent to business thinking. Business isn't that complicated. I wouldn't want to put it on my business card."

 "[Intelligence is] an elusive concept. There's a certain sharpness, an ability to absorb new facts. To walk into a situation, have something explained to you and immediately say, "Well, what about this?" To ask an insightful question. To absorb it in real time. A capacity to remember. To relate to domains that may not seem connected at first. A certain creativity that allows people to be effective."

 "Don't compare yourself with anyone in this world ... if you do so, you are insulting yourself."

 "We always overestimate the change that will occur in the next two years and underestimate the change that will occur in the next 10. Don't let yourself be lulled into inaction."

 "Don't make the same decision twice. Spend time and thought to make a solid decision the first time so that you don't revisit the issue unnecessarily. If you're too willing to reopen issues, it interferes not only with your execution but also with your motivation to make a decision in the first place. After all, why bother deciding an issue if it isn't really decided?"


 "Information technology and business are becoming inextricably interwoven. I don't think anybody can talk meaningfully about one without talking about the other."

 "If I had to say what is the thing that I feel best about, it's being involved in this whole software revolution and what comes out of that, because you can go all over the world and go into schools and see these computers being used and go into hospitals and see them being used, and see how they're tools for sharing information that hopefully leads to more peaceful conditions, and just the great research advances that come out of that."

 "If you show people the problems and you show people the solutions, they will be moved to act."

 "Whether it's Google or Apple or free software, we've got some fantastic competitors and it keeps us on our toes."

 "To win big, you sometimes have to take big risks."

 "Our success has really been based on partnerships from the very beginning."

 "A bad strategy will fail no matter how good your information is, and lame execution will stymie a good strategy. If you do enough things poorly, you will go out of business."

 "Business people need to shake off the notion that information is hard to get."

 "Only a few businesses will succeed by having the lowest price, so most will need a strategy that includes customer services."

 "Customers want high quality at low prices and they want it now."

 "A company's ability to respond to an unplanned event, good or bad, is a prime indicator of its ability to compete."


 "Reward worthy failure--experimentation."

If you’re going to be thinking anything, you might as well think big. –Donald Trump



 I refuse to accept other people’s ideas of happiness for me. As if there’s a one size fits all standard for happiness. -Kanye West



 If you do what you’ve always done, you’ll get what you’ve always gotten. –Tony Robbins



 There is only one way to avoid criticism: do nothing, say nothing, and be nothing. -Aristotle


When I let go of what I am, I become what I might be. -Lao Tzu



 I am thankful for all of those who said NO to me. It’s because of them I’m doing it myself. –Albert Einstein



 If you’re offered a seat on a rocket ship, don’t ask what seat! Just get on. -Sheryl Sandberg



You get what you settle for. -Thelma and Louise



 Only those who will risk going too far can possibly find out how far one can go. -T. S. Eliot

 Only those who play to win. Only those who risk to win. History favors risk-takers. Forgets the timid. Everything else is commentary. -Iveta Cherneva


 I always did something I was a little not ready to do. I think that’s how you grow. When there’s that moment of Wow, I’m not really sure I can do this, and you push through those moments, that’s when you have a breakthrough. -Marissa Mayer

 If you don’t build your dream, someone else will hire you to help them build theirs. -Dhirubhai Ambani

Don’t be too timid and squeamish about your actions. All life is an experiment. The more experiments you make the better. -Ralph Waldo Emerson

 And the day came when the risk to remain tight in a bud was more painful than the risk it took to blossom. -Anais Nin

 Don’t judge each day by the harvest you reap but by the seeds that you plant. -Robert Louis Stevenson

Life is being on the wire, everything else is just waiting. -Karl Wallenda

 Pearls don’t lie on the seashore. If you want one, you must dive for it. -Chinese proverb

The first step toward success is taken when you refuse to be a captive of the environment in which you first find yourself. -Mark Caine

 It is never too late to be what you might have been. -George Eliot

 The question isn’t who is going to let me; it’s who is going to stop me. -Ayn Rand

 You can’t outwit fate by standing on the sidelines placing little sidebets about the outcome of life. Either you wade in and risk everything you have to play the game or you don’t play at all. And if you don’t play you can’t win. -Judith McNaught

 Always go with your passions. Never ask yourself if it’s realistic or not. –Deepak Chopra

 Often the difference between a successful person and a failure is not one has better abilities or ideas, but the courage that one has to bet on one’s ideas, to take a calculated risk and to act. –Andre Malraux


 If things seem under control, you are just not going fast enough. -Mario Andretti


 You can’t connect the dots looking forward; you can only connect them looking backwards. So you have to trust that the dots will somehow connect in your future. You have to trust in something; your gut, destiny, life, karma, whatever. This approach has never let me down, and it has made all the difference in my life. -Steve Jobs

 Every man dies, but not every man really lives. -Braveheart

 Do the one thing you think you cannot do. Fail at it. Try again. Do better the second time. The only people who never tumble are those who never mount the high wire. This is your moment. Own it. –Oprah Winfrey.

 Saying it is impossible to live without failing at something, unless you live so cautiously that you might has well not have lived at all, in which case you have failed by default. -J.K. Rowling




 Life is inherently risky. There is only one big risk you should avoid at all costs, and that is the risk of doing nothing. -Denis Waitley

I don’t think you’re human if you don’t get nervous. -Sidney Crosby

The best time to plant a tree was 20 years ago. The second best time is now. -Chinese Proverb

 Go out on a limb. That’s where the fruit is. -Jimmy Carter

A ship in harbor is safe, but that is not what ships are built for. -John A. Shedd

 Don’t worry about failures, worry about the chances you miss when you don’t even try. -Jack Canfield

 The universe has no restrictions. You place restrictions on the universe with your expectations. -Deepak Chopra

Think big and don’t listen to people who tell you it can’t be done. Life is too short to think small. -Tim Ferriss


 Twenty years from now you will be more disappointed by the things that you didn’t do than by the ones you did do, so throw off the bowlines, sail away from safe harbor, catch the trade winds in your sails. Explore, Dream, Discover. -Mark Twain

 Do one thing every day that scares you. -Eleanor Roosevelt

 I’ve missed more than 9000 shots in my career. I’ve lost almost 300 games. 26 times I’ve been trusted to take the game winning shot and missed. I’ve failed over and over and over again in my life. And that is why I succeed. -Michael Jordan

 Everything you’ve ever wanted is on the other side of fear. -George Addair

 In order to succeed, your desire for success should be greater than your fear of failure. -Bill Cosby

 Your dreams are ballbusters; they’re not the yellow brick road. -Kelly Cutrone


 Screw it, let’s do it! -Richard Branson

 Your time is limited, so don’t waste it living someone else’s life. –Steve Jobs

 When you take risks you learn that there will be times when you succeed and there will be times when you fail, and both are equally important. -Ellen DeGeneres

 You can’t have everything you want, but you can have the things that really matter to you. -Marissa Mayer

 If you are not willing to risk the unusual, you will have to settle for the ordinary. –Jim Rohn

 If we listened to our intellect, we’d never have a love affair. We’d never have a friendship. We’d never go into business because we’d be too cynical. Well, that’s nonsense. You’ve got to jump off cliffs all the time and build your wings on the way down. -Annie Dillard

 Trust your own instinct. Your mistakes might as well be your own, instead of someone else’s. -Billy Wilder
1. You can do anything, but not everything.
—David Allen
2. Perfection is achieved, not when there is nothing more to add, but when there is nothing left to take away.
—Antoine de Saint-Exupéry
3. The richest man is not he who has the most, but he who needs the least.
—Unknown Author
4. You miss 100 percent of the shots you never take.
—Wayne Gretzky
5. Courage is not the absence of fear, but rather the judgement that something else is more important than fear.
—Ambrose Redmoon
6. You must be the change you wish to see in the world.
—Gandhi
7. When hungry, eat your rice; when tired, close your eyes. Fools may laugh at me, but wise men will know what I mean.
—Lin-Chi
8. The third-rate mind is only happy when it is thinking with the majority. The second-rate mind is only happy when it is thinking with the minority. The first-rate mind is only happy when it is thinking.
—A. A. Milne
9. To the man who only has a hammer, everything he encounters begins to look like a nail.
—Abraham Maslow
10. We are what we repeatedly do; excellence, then, is not an act but a habit.
—Aristotle
11. A wise man gets more use from his enemies than a fool from his friends.
—Baltasar Gracian
12. Do not seek to follow in the footsteps of the men of old; seek what they sought.
—Basho
13. Watch your thoughts; they become words.
Watch your words; they become actions.
Watch your actions; they become habits.
Watch your habits; they become character.
Watch your character; it becomes your destiny.
—Lao-Tze
14. Everyone is a genius at least once a year. The real geniuses simply have their bright ideas closer together.
—Georg Christoph Lichtenberg
15. What we think, or what we know, or what we believe is, in the end, of little consequence. The only consequence is what we do.
—John Ruskin
16. The real voyage of discovery consists not in seeking new lands but seeing with new eyes.
—Marcel Proust
17. Work like you don’t need money, love like you’ve never been hurt, and dance like no one’s watching
—Unknown Author
18. Try a thing you haven’t done three times. Once, to get over the fear of doing it. Twice, to learn how to do it. And a third time, to figure out whether you like it or not.
—Virgil Garnett Thomson
19. Even if you’re on the right track, you’ll get run over if you just sit there.
—Will Rogers
20. People often say that motivation doesn’t last. Well, neither does bathing – that’s why we recommend it daily.

—Zig Ziglar

21. Before I got married I had six theories about bringing up children; now I have six children and no theories.
—John Wilmot
22. What the world needs is more geniuses with humility, there are so few of us left.
—Oscar Levant
23. Always forgive your enemies; nothing annoys them so much.
—Oscar Wilde
24. I’ve gone into hundreds of [fortune-teller’s parlors], and have been told thousands of things, but nobody ever told me I was a policewoman getting ready to arrest her.
—New York City detective
25. When you go into court you are putting your fate into the hands of twelve people who weren’t smart enough to get out of jury duty.
—Norm Crosby
26. Those who believe in telekinetics, raise my hand.
—Kurt Vonnegut
27. Just the fact that some geniuses were laughed at does not imply that all who are laughed at are geniuses. They laughed at Columbus, they laughed at Fulton, they laughed at the Wright brothers. But they also laughed at Bozo the Clown.
—Carl Sagan
28. My pessimism extends to the point of even suspecting the sincerity of the pessimists.
—Jean Rostand
29. Sometimes I worry about being a success in a mediocre world.
—Lily Tomlin
30. I quit therapy because my analyst was trying to help me behind my back.
—Richard Lewis
31. We’ve heard that a million monkeys at a million keyboards could produce the complete works of Shakespeare; now, thanks to the Internet, we know that is not true.
—Robert Wilensky
32. If there are no stupid questions, then what kind of questions do stupid people ask? Do they get smart just in time to ask questions?
—Scott Adams
33. If the lessons of history teach us anything it is that nobody learns the lessons that history teaches us.
—Anon
34. When I was a boy I was told that anybody could become President. Now I’m beginning to believe it.
—Clarence Darrow
35. Laughing at our mistakes can lengthen our own life. Laughing at someone else’s can shorten it.
—Cullen Hightower
36. There are many who dare not kill themselves for fear of what the neighbors will say.
—Cyril Connolly
37. There’s so much comedy on television. Does that cause comedy in the streets?
—Dick Cavett
38. All men are frauds. The only difference between them is that some admit it. I myself deny it.
—H. L. Mencken
39. I don’t mind what Congress does, as long as they don’t do it in the streets and frighten the horses.
—Victor Hugo
40. I took a speed reading course and read ‘War and Peace’ in twenty minutes. It involves Russia.

—Woody Allen

41. The person who reads too much and uses his brain too little will fall into lazy habits of thinking.
—Albert Einstein
42. Believe those who are seeking the truth. Doubt those who find it.
—André Gide
43. It is the mark of an educated mind to be able to entertain a thought without accepting it.
—Aristotle
44. I’d rather live with a good question than a bad answer.
—Aryeh Frimer
45. We learn something every day, and lots of times it’s that what we learned the day before was wrong.
—Bill Vaughan
46. I have made this letter longer than usual because I lack the time to make it shorter.
—Blaise Pascal
47. Don’t ever wrestle with a pig. You’ll both get dirty, but the pig will enjoy it.
—Cale Yarborough
48. An inventor is simply a fellow who doesn’t take his education too seriously.
—Charles F. Kettering
49. Asking a working writer what he thinks about critics is like asking a lamppost how it feels about dogs.
—Christopher Hampton
50. Better to write for yourself and have no public, than to write for the public and have no self.
—Cyril Connolly
51. Never be afraid to laugh at yourself, after all, you could be missing out on the joke of the century.
—Dame Edna Everage
52. I am patient with stupidity but not with those who are proud of it.
—Edith Sitwell
53. Normal is getting dressed in clothes that you buy for work and driving through traffic in a car that you are still paying for – in order to get to the job you need to pay for the clothes and the car, and the house you leave vacant all day so you can afford to live in it.
—Ellen Goodman
54. The cure for boredom is curiosity. There is no cure for curiosity.
—Ellen Parr
55. Advice is what we ask for when we already know the answer but wish we didn’t.
—Erica Jong
56. Some people like my advice so much that they frame it upon the wall instead of using it.
—Gordon R. Dickson
57. The trouble with the rat race is that even if you win, you’re still a rat.
—Lily Tomlin
58. Never ascribe to malice, that which can be explained by incompetence.
—Napoleon (Hanlon’s Razor)
59. Imagination was given to man to compensate him for what he is not, and a sense of humor was provided to console him for what he is.
—Oscar Wilde
60. When a person can no longer laugh at himself, it is time for others to laugh at him.

—Thomas Szasz

Slice of Life, Good to Know 20 Einstein Quotes Every Student Should Know

1. Learn from yesterday, live for today, hope for tomorrow. The important thing is not to stop questioning.


2. A person who never made a mistake never tried anything new.

3. It is the supreme art of the teacher to awaken joy in creative expression and knowledge.

4. If you can’t explain it simply, you don’t understand it well enough.

5. The true sign of intelligence is not knowledge but imagination.

6. Education is what remains after one has forgotten what one has learned in school.

7. It’s not that I’m so smart, it’s just that I stay with problems longer.

8. I have no special talent. I am only passionately curious.

9. The only source of knowledge is experience.

10. The only thing that interferes with my learning is my education.

11. When the solution is simple, God is answering.

12. The gift of fantasy has meant more to me than my talent for absorbing positive knowledge.

13. Once we accept our limits, we go beyond them.

14. To raise new questions, new possibilities, to regard old problems from a new angle, requires creative imagination and marks real advance in science.

15. It is a miracle that curiosity survives formal education.

16. Intellectual growth should commence at birth and cease only at death.

17. The process of scientific discovery is, in effect, a continual flight from wonder.

18. We still do not know one thousandth of one percent of what nature has revealed to us.

19. Most of the fundamental ideas of science are essentially simple, and may, as a rule, be expressed in a language comprehensible to everyone.


20. I used to go away for weeks in a state of confusion.

1. Logic takes you from A to Z; Imagination will get you everywhere.

2. Genius is 1% talent and 99% Hard work.

3. Life is like riding a bicycle, to keep your balance you must keep moving.

4. Education is what remains after one has forgotten what one has learned in school.

5. Only two things are infinite, the Universe and Human stupidity, and I’m not sure about the former.

6. You have to learn the rules of the game. And then you have to play better than anyone else.

7. True sign of intelligence is not knowledge but imagination.

8. We cannot solve our problems with the same thinking we used when we created them.

9. Try not to become a man of success, but rather try to become a man of value.

10. I have no special talent, I’m only passionately curios.

11. If you can’t explain it simply, you don’t understand it well.

12.  A clever man solves a problem. A wise person avoids it.

13. It’s not that I’m so smart. But I stay with problems much longer.

14. If the facts don’t fit the theory, change the facts.

15. A person who never made a mistake never tried anything new.

16. Imagination is more important than knowledge. Knowledge is limited, Imagination encircles the world.

17. No amount of experimentation can ever prove me right; a single experiment can prove me wrong.

18. There are two ways to live. You can live as if nothing is a miracle, you can live as if everything is a miracle.

19. I must be willing to give up what I am in order to become what I will be.

20. Learn from yesterday, Live for today, Hope for tomorrow. The important thing is not to stop questioning.

21. Everybody is a genius. But if you judge a fish by its ability to climb a tree, it will live its whole life believing that it is stupid.

22. I know not with what weapons World War III will be fought, but World War IV will be fought with sticks and stones.

23. Weakness of attitude becomes weakness of Character.

24. Only a life lived for others is a life worthwhile.

25. It is strange to be known so universally and yet to be so lonely.

26. If we knew what it was we were doing, it would not be called research, would it?

27. Science without religion is lame, religion without science is blind.

28. There comes a time when the mind takes a higher plane of knowledge but can never prove how it got there.

29. The whole of science is nothing more than a refinement of everyday thinking.

30. I think and think for months and years. Ninety-nine times, the conclusion is false. The hundredth time I am right.

31. Small is the number of people who see with their eyes and think with their minds.

32. The secret to creativity is knowing how to hide your sources.

33. If A is success in life, then A equals X plus Y plus Z. Work is X; Y is play and Z is keeping your mouth shut.


34. Creativity is intelligence having fun.


25 Steve Jobs Quotes That Will Change the Way You Work—in the Best Way Possible

My favorite things in life don’t cost any money. It’s really clear that the most precious resource we all have is time.

I’m as proud of many of the things we haven’t done as the things we have done. Innovation is saying no to a thousand things.

Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do. If you haven’t found it yet, keep looking. Don’t settle. As with all matters of the heart, you’ll know when you find it.

Have the courage to follow your heart and intuition. They somehow know what you truly want to become.

I think if you do something and it turns out pretty good, then you should go do something else wonderful, not dwell on it for too long. Just figure out what’s next.

Sometimes when you innovate, you make mistakes. It is best to admit them quickly, and get on with improving your other innovations.

When you’re a carpenter making a beautiful chest of drawers, you’re not going to use a piece of plywood on the back, even though it faces the wall and nobody will see it. You’ll know it’s there, so you’re going to use a beautiful piece of wood on the back. For you to sleep well at night, the aesthetic, the quality, has to be carried all the way through.

That’s been one of my mantras—focus and simplicity. Simple can be harder than complex; you have to work hard to get your thinking clean to make it simple.

Quality is more important than quantity. One home run is much better than two doubles.

Being the richest man in the cemetery doesn’t matter to me. Going to bed at night saying we’ve done something wonderful...that’s what matters to me.

The people who are crazy enough to think they can change the world are the ones who do.

Your time is limited, so don’t waste it living someone else’s life. Don’t be trapped by dogma—which is living with the results of other people’s thinking. Don’t let the noise of others’ opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition.

We’re just enthusiastic about what we do.

You can’t connect the dots looking forward; you can only connect them looking backwards. So you have to trust that the dots will somehow connect in your future. You have to trust in something—your gut, destiny, life, karma, whatever. This approach has never let me down, and it has made all the difference in my life.

Be a yardstick of quality. Some people aren’t used to an environment where excellence is expected.

For the past 33 years, I have looked in the mirror every morning and asked myself: ‘If today were the last day of my life, would I want to do what I am about to do today?’ And whenever the answer has been ‘No’ for too many days in a row, I know I need to change something.

I'm convinced that about half of what separates successful entrepreneurs from the non-successful ones is pure perseverance.

What is Apple, after all? Apple is about people who think ‘outside the box,’ people who want to use computers to help them change the world, to help them create things that make a difference, and not just to get a job done.

Things don’t have to change the world to be important.

Technology is nothing. What’s important is that you have a faith in people, that they’re basically good and smart, and if you give them tools, they’ll do wonderful things with them.

I’ve always been attracted to the more revolutionary changes. I don’t know why. Because they’re harder. They’re much more stressful emotionally. And you usually go through a period where everybody tells you that you’ve completely failed.

Bottom line is, I didn’t return to Apple to make a fortune. I’ve been very lucky in my life and already have one. When I was 25, my net worth was $100 million or so. I decided then that I wasn’t going to let it ruin my life. There’s no way you could ever spend it all, and I don’t view wealth as something that validates my intelligence.

My model for business is The Beatles: They were four guys that kept each others’ negative tendencies in check; they balanced each other. And the total was greater than the sum of the parts.

Remembering that you are going to die is the best way I know to avoid the trap of thinking you have something to lose. You are already naked. There is no reason not to follow your heart.

Getting fired from Apple was the best thing that could have ever happened to me. The heaviness of being successful was replaced by the lightness of being a beginner again. It freed me to enter one of the most creative periods of my life.