Return on investment(ROI) is the amount of profit earned by a business that could be paid to owners. For a company to maintain its capital(the amount invested by its owners), it must pay a return to owners fromm profits the company has earned. Otherwise, the company is reducing its capital by returning a portion of owners' investments to them. - Ingram 《 Financial Accounting A birdge to Decision Making 》

개미 한 마리가 보리알을 물고 담벼락을 오르는데 예순 아홉 번을 떨어진 뒤 일흔 번째에 성공하는 것을 보고 용기를 얻어 전투에서 승리한 영웅의 이야기가 있다. 이것은 천고에 변치 않는 성공의 열쇠다. (스코트)성공을 이루는 가장 확실한 방법은 '끈기'다. 아무리 뛰어난 재능을 타고났다 해도 끈기가 없으면 목적을 달성하기 어렵다. 베토벤은 한 곡을 최소한 열 두 번 고쳐 썼다. 헤밍웨이는 의 원고를 80번이나 퇴고했다. 미켈란젤로는 '최후의 심판'을 8년에 걸쳐 완성했고,레오나르도 다빈치는 '최후의 만찬'에 10년을 바쳤다. 조지 반크로프트는 미국의 역사를 쓰는데 26년을 쏟아.......

포기하면 안 되지 -에드거 앨버트 게스트 이따금 일이 잘 풀리지 않을 때험한 비탈을 힘겹게 올라갈 때주머니는 텅 비었는데 갚을 곳은 많을 때웃고 싶지만 한숨지어야 할 때주변의 관심이 되레 부담스러울 때필요하다면 쉬어가야지하지만 포기하면 안 되지인생은 우여곡절 굴곡도 많은 법사람이라면 누구나 깨닫는 바이지만수많은 실패들도 나중에 알고 보면계속 노력했더라면 이루었을 일.그러니 포기는 말아야지비록 지금은 느리지만한 번 더 노력하면 성공할지 뉘 알까성공은 실패와 안팎의 차이의심의 구름 가장자리에 빛나는 희망목표가 얼마나 가까워졌는지는 아무도 모를 일생각보.......

When I was young, there was an amazing publication called The Whole Earth Catalog, which was one of the bibles of my generation. It was created by a fellow named Stewart Brand not far from here in Menlo Park, and he brought it to life with his poetic touch. This was in the late 1960's, before personal computers and desktop publishing, so it was all made with typewriters, scissors, and polaroid cameras. It was sort of like Google in paperback form, 35 years before Google came along: it was idealistic, and overflowing with neat tools .......

My third story is about death. About a year ago I was diagnosed with cancer. The doctors told me this was almost certainly a type of cancer that is incurable, and that I should expect to live no longer than three to six months. My doctor advised me to go home and get my affairs in order, which is doctor's code for prepare to die. It means to tryand tell your kids everything you thought you'd have the next 10 years to tell them in just a few months. It means to make sure everything is buttoned up so that it will be as easy as p.......

I was lucky. I found what I loved to do early in life. Woz and I started Apple in my parents garage when I was 20. We worked hard, and in 10 years Apple had grown from just the two of us in a garage into a $2 billion company with over 4000 employees. And then I got fired. I still loved what I did. The turn of events at Apple had not changed that one bit. I had been rejected, but I was still in love. And so I decided to start over. I didn't see it then, but it turned out that getting.......

I dropped out of Reed College after the first 6 months, but then stayed around as a drop-in for another 18 months or so before I really quit. Reed College at that time offered perhaps the best calligraphy instruction in the country. Throughout the campus every poster, every label on every drawer, was beautifully hand calligraphed. Because I had dropped out and didn't have to take the normal classes, I decided to take a calligraphy class to learn how to do this. I learned about serif and san serif typefaces, about.......

정부의 대출 규제와 금리 상승 등으로 가계대출은 현저하게 감소하고 치열한 경쟁으로 전통적인 수입원인 이자마진이 갈수록 줄어드는 데다 은행의 최대 자금조달원인 저원가성 예금이 증권사 자산관리계좌(CMA)로 속속 이탈하고 있기 때문이다.신상훈 신한은행장은 최근 월례조회에서 "현재 은행권 수익의 상당 부분,심하게 보면 50%까지 버블일 수 있으며 이런 버블은 길어야 2~3년 안에 끝날 것"이라고 말한 것도 이 같은 위기감에서다.실제로 국민 신한 우리은행 등의 2분기 순이자마진(NIM)은 1분기보다 하락했다.다만 기업은행의 순이자마진이 1분기보다 소폭 상승했으며 하나은행은 1분기 수준.......