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Between calculated risk and reckless decision-making lies the dividing line between profit and loss.

Charles Duhigg

Since the 17th century, insurance agents have been the foremost experts on risk.
CHARLES DUHIGG

Agent Expert Insurance Risk
There’s a natural instinct embedded in friendship, a sympathy that makes us willing to fight for someone we like when they are treated unjustly.
CHARLES DUHIGG

Fight Friendship Natural Sympathy Treat
Rather, to change a habit, you must keep the old cue, and deliver the old reward, but insert a new routine.
CHARLES DUHIGG

Change Habit Old Reward Routine
The problem is that your brain can’t tell the difference between bad and good habits, and so if you have a bad one, it’s always lurking there, waiting for the right cues and rewards.
CHARLES DUHIGG

Brain Difference Oneself Problem Reward Yourself
Hiding what you know is sometimes as important as knowing it.
CHARLES DUHIGG

Hide Important Known Yourself
There’s something really powerful about groups and shared experiences. People might be skeptical about their ability to change if they’re by themselves, but a group will convince them to suspend disbelief. A community creates belief.
CHARLES DUHIGG

Community Creation Disbelief Experience Powerful Share
The same process that makes AA so effective-the power of a group to teach individuals how to believe-happens whenever people come together to help one another change. Belief is easier when it occurs within a community.
CHARLES DUHIGG

Community Effect Individual Process Teaching
It is facile to imply that smoking, alcoholism, overeating, or other ingrained patters can be upended without real effort. Genuine change requires work and self-understanding of the cravings driving behaviours.
CHARLES DUHIGG

Alcohol Behaviour Change Drive Effort Reality Smoking Understand
The Golden Rule of Habit Change: You can’t extinguish a bad habit, you can only change it.
CHARLES DUHIGG

Bad Change Gold Habit Yourself
Habits are malleable throughout your entire life.
CHARLES DUHIGG

Change Habit Life Yourself
Simply giving employees a sense of agency- a feeling that they are in control, that they have genuine decision-making authority – can radically increase how much energy and focus they bring to their jobs.
CHARLES DUHIGG

Agency Authority Decision Employee Energy Job Simplicity
If you tell people that they have what it takes to succeed, they’ll prove you right.
CHARLES DUHIGG

People Right Success Yourself
Belief is easier when it occurs within a community.
CHARLES DUHIGG

Belief Community Occur
Some say because music is as much about personal expression as listening pleasure, sharing is integral to why songs have value in the first place.
CHARLES DUHIGG

Expression Listening Music Personal Place Value
If you believe you can change – if you make it a habit – the change becomes real.
CHARLES DUHIGG

Believe Change Habit Reality Yourself
The brain has this amazing ability to find happiness even when the memories of it are gone.
CHARLES DUHIGG

Ability Amazing Finding Happiness Memories

Between calculated risk and reckless decision-making lies the dividing line between profit and loss.

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Between calculated risk and reckless decision-making lies the dividing line between profit and loss.

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