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Businesses can succeed while still being ethical—just ask Warren Buffett

Buffett always considers 6 factors before making a business decision. And none of them have to do with making money.

Warren Buffett, billionaire, wisdom, strategy, financial investments
Wikipedia Commons File:Warren Buffett at the 2015 SelectUSA Investment Summit (cropped).jpg

Warren Buffett speaking at the 2015 Select USA Investment Summit.

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TD Ameritrade

Warren Buffett isn't just rich. He's known for being ethical, straightforward, and wise. And also generous. Not just with his money but with his ideas.

Buffett straight up spelled out how he makes decisions on how to invest in and acquire businesses in a public letter sent to his shareholders. To be clear: His instincts and insights are what have made him such a rich man. And that's what he's sharing so openly with the world.

These are the six factors Warren Buffett says he considers when he's making big business decisions.

Maybe they could help the rest of us think through some tough decisions in our own lives? Let's see.

Maybe you, too, are investing billions of dollars. Or, uh, maybe not. But the day-to-day choices you have to make about life could be just as tough — and important. So let's see how his lessons could apply:

1. It's gotta be a big choice and a big win.

Buffett says he prefers to acquire "large purchases (at least $75 million of pre-tax earnings unless the business will fit into one of our existing units)." Aka, go big, go bold. Not everything has to be huge, but in tough times, sometimes doing the big, scary thing is how you reap the big, amazing reward.

2. The decision has to create value for you consistently and currently.

None of this "it'll pay off in the distant future" or "it just needs some elbow grease" stuff. Whatever you're choosing, make sure it's valuable and has concrete, real-life impact. Or, as Buffett says, the acquisition must have "demonstrated consistent earning power (future projections are of no interest to us, nor are 'turnaround' situations)."

File:President Barack Obama and Warren Buffett in the Oval Office ...commons.wikimedia.org

3. The decision will benefit everyone who's invested in it, and it won't leave anyone hanging.

Buffett wants "businesses earning good returns on equity while employing little or no debt," aka no one who's put time/effort/money/love into said life choice (or business move) will come out at the end with less than what they started with. Makes sense, right? Basically, don't screw people over with the choices you make. Have some heart and fairness.

4. Everything necessary for success should already be in place.

Buffett mentions that there must be "management in place" and that his company "can't supply it." Invest time and energy in things that are solid and have demonstrated reliability. That is, "don't build the ship while you sail it." Why? According to Buffett's logic, when making huge decisions, if the part that keeps makes the end result of your decision sustainable is already there, that's a very good sign.

5. The decision may be hard, but the terms should be simple.

Buffett wants simple businesses, saying — in his awesomely straightforward way — "if there's lots of technology, we won't understand it." Life isn't always simple and there's certainly a time for complexity, but the lesson here is a good one: If you're making a huge choice, don't overcomplicate it.


man sitting on mountain cliff facing white clouds rising one hand at golden hourPhoto by Ian Stauffer on Unsplash

6. The options are clear and available.

Buffett refers to this availability, basically saying that the company has to have a price on it already and that his firm doesn't "want to waste our time or that of the seller by talking, even preliminarily, about a transaction when price is unknown." I take this to mean that the choice is a clear action. No negotiations necessary.

Bingo.

Now I'm not saying that this well-to-do investor has all the answers just because he has all the money, and I know it's a little out there to think of these investment acquisition tips as something you can apply to your own, non-billionaire life. But think about it. Fearlessness? Fairness? Preparation? These are some helpful themes we could all probably take a few lessons from.

So next time you're making a big decision, think about them. In a world where financial literacy isn't exactly the norm, looking at how financial greats make their decisions could be an interesting thing to try. Who knows? It might help you.

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Meet the people using their project management skills to better the world

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Many of us yearn for a career that not only provides a livelihood but also contributes to a better world. We seek a sense of purpose, a way to use our skills and talents to make a meaningful difference in the lives of others and the health of our communities. But who orchestrates the initiatives that allow us to give back effectively? Behind the scenes of many successful initiatives advancing the common good are project managers.

Project managers, who are often equipped with certifications from organizations like the Project Management Institute (PMI), bring order and efficiency for complex projects. But project managers go beyond ensuring projects are executed on time and on budget – they make sure the project meets a higher need. Does it positively impact the community? Does it create ease or improve the lives of others? Their work is essential to maximizing the impact of initiatives that better our world.

To showcase the vital role project managers play in creating positive change, we spoke with two rising leaders who are going above and beyond to make a difference in their communities as project managers.

Zack Almer

Every day, 17 people in the U.S. die waiting for an organ transplant, with demand far outpacing supply. In the New York Metro area, Zachary Almer, MPA, PMP, is tackling this challenge head-on. As the Director of Strategic Project Management at LiveOnNY, an organ procurement organization for the greater New York City area, he helped execute a bold strategy that increased organ and tissue donations by 50% over the past two years—resulting in over 2,500 life-saving transplants and setting a new benchmark for what’s possible in healthcare.

“I really enjoy when someone says we need to get something done and there’s no one way to do it. That’s why I love project management, because it allows me to step into a situation where there’s a problem and I need to fix it.” Zack added, “I think if you’re in healthcare, most people have selfless aspirations by the nature of signing up for this work. As long as I have the experience to share, I want to give back.”

Prosperidade Sunguete

As project manager for Angola’s Ana Elisa Philanthropic Association, Prosperidade Sunguete drives initiatives focused on sustainable development and community advancement, encompassing support for children, widows, environmental preservation, health, and education.

In 2023, Prosperidade set about closing the digital divide for children and young adults in Luanda’s Maiombe community after witnessing how little technology and food access the community had. The initiative, Technological Education for All, offers tech education and nutritious meals to over 150 young people from underprivileged backgrounds, granting the recipients greater digital literacy, food security and future learning and career opportunities.

“Every child deserves the opportunity to learn and thrive in an increasingly digital world. Empowering kids through tech education, while also guaranteeing them a daily hot meal, helps give them a leg up to be qualified for future educational and professional opportunities that would not have been available to them otherwise,” Prosperidade emphasized.

Prosperidade added, “project management is not just about meeting deadlines, but about creating lasting value and positive impact on the lives of the people involved as well.” The initiative, nominated for the 2023 Tigra Nova Garra Award, empowers youth and reflects Prosperidade's belief in the transformative power of education.

Project managers, equipped with on-the-job experience and resources from PMI, are the driving force behind social impact campaigns like Zack’s and Prosperidade’s, skillfully navigating challenges and ensuring successful completion. PMI empowers project professionals with skill-building resources like online courses and networking opportunities, validates their expertise with professional certifications, and celebrates their global impact as a global community.

Project Management Institute recognized Zack and Prosperidade for their impactful work alongside other rising trailblazing leaders who are driving global impact through innovative project management. Aspiring project managers seeking to make a difference can begin their journey with the Certified Associate in Project Management (CAPM) certification.

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Family

Dad camping with his kids shared the handwritten note left on his car from a fellow camper

More of this, please.

Photo credit: Canva, Note image via RCampR6/Reddit

A dad got a sweet note from a fellow father after camping with his kids.

One of the hardest parts of being a parent is never being sure whether you're doing a good job or totally bombing it. If you're conscientious enough to even wonder if you're a good parent, you probably are, but parenting entails a million little choices and interactions, and there's always a lingering voice in your head saying, "What if you're really screwing this whole thing up?"

Reassurance and encouragement are always appreciated by parents, but not always received, which is why a note from one camping dad to another has people celebrating the kindness of anonymous strangers.

"You are killing it as a dad."

Someone on Yosemite Reddit thread shared a photo of a handwritten note with the caption, "To the man who left this thoughtful note on my windshield at Lower Pines Campground this weekend, I extend my heartfelt gratitude; your acknowledgment of my efforts to be a good father means a great deal to me."


Windshield Note.
byu/RCampR6 inYosemite

The note reads:

"Bro,

I camped in the spot behind you last night. Let me just say, you are killing it as a dad. First off, I watched your wife guide you in as you backed up your trailer and nailed it on the first try without any yelling. Then your kids unloaded from the truck and were mild-mannered and well behaved. You told stories around the campfire and I had the pleasure of listening to the sounds of giggles and laughter.

From one dad to another, you are killing it. Keep it up.

P.S. Whatever you cooked for dinner smelled delicious!"

How often do we share these thoughts with strangers, even if we have them? And who wouldn't love to get a surprise bit of praise with specific examples of things we did right?

Everyone needs to hear a compliment once in a while.

So many people found the note to be a breath of fresh air and a good reminder to compliment people when we feel the urge:

"That would make any daddy's eyes water."

"It’s always nice, as a guy, to get a compliment."

"I complimented a guy's glasses at work (I'm also a guy, and btw they were really cool glasses, I wasn't just being nice) and now he keeps trying to tell me where he got his glasses and how I should get some. But I'm just having to be polite because I already have glasses and I'm not in the market. I finally had to tell him I'm not going to buy them lmao I just like them on him.

Made me feel like that's the first compliment he's had in years because he can't stop talking about it. Also I mainly liked the glasses because I think he's cute but he really thinks it's just the glasses haha jokes on him that cute bastard."

via GIPHY

"I was in the store with my wife and one of our 'adopted nephews' yesterday (we’re close friends with his parents and we’ve known him and his brother since they were newborns and 2yo, respectively). A woman came up to me at checkout while my wife was running out to the car and said 'I’m not sure what your family relationship is here, but I just have to tell you how nice and refreshing it is to hear all the laughter and joy from the 3 of you. You both seem like such a good influence on him and it warms my heart.' It’s such a small thing but as a dude, I can’t remember the last time someone gave me a compliment in public and it made my freaking day."

"10/10 letter. The and not yelling part gave me a good chuckle lol."

"We need so much more of men getting such heartfelt and sincere compliments. Thanks for sharing. ❤️"

"I’ve never considered leaving a note, but when I see a harmonious family with good parenting, it’s healing for me. My childhood was awful."

"Such an awesome compliment! Even though I don't have children myself, I like to remind my friends too that they're doing great & it brings them happy tears."

via GIPHY

"This made me cry. I love that you are getting your 'flowers.' My dad sucked, I’m so glad you are one of the good ones."

"This made me cry too. It’s so hard to be a human. Let alone a parent. Getting a good job sticker every now and then really means a lot these days."

"I'm a big bearded guy and I would cry if I got this note. More people like this, please."

The best part of this story is that no one knows who the dad who wrote the note is, not even the dad who shared it. It wasn't written for clout or notoriety, it wasn't to get attention or make himself look good. No name or signature, just an anonymous act of kindness to uplift a stranger whether he needed it or not.

We all need to hear or read kind things said about us, and sometimes it means even more coming from an anonymous stranger who has nothing to gain by sharing. A good reminder to share it when you feel it—you never know how many people you may move and inspire.

This article originally appeared last year.

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Progressive Insurance® donated 96 vehicles to veterans and their families as part of its ongoing commitment to driving progress on the road

Progressive has honored nearly 1,100 veterans since the inception of its Keys to Progress program in 2013.

Former medic and single mom Leah Moore and her children being honored during the 2024 Keys to Progress event.

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In 2023, Leah Moore was struggling. A single mom and former medic in the Texas Air National Guard, Leah had no family support where she lived in Seattle, WA, which made raising her two girls and working full-time a significant challenge. When her only car broke down, Leah found herself struggling more than ever.

But in 2024, Leah’s burden became a little lighter. Moore is now one of many veterans that have been honored during this year’s Keys to Progress event, an annual giveaway that took place in over 60 cities across the country. Along with Moore, close to 100 other veterans and their families recieved the keys to free, reliable transportation as a thank you for their military service.

Providing reliable transportation to deserving veterans who’ve protected our country

According to the US Department of Transportation, approximately 40 percent of veterans live in rural areas where affordable transportation options are limited. Limited transportation can greatly affect a veteran’s quality of life, since reliable transportation is necessary for work, medical care, and other services.

Gail Nicholson, a veteran who served in the United States Army during the Persian Gulf Crisis from 1993 - 1997, knows this challenge personally. Gail relied on public transportation as she supported her family since the COVID-19 pandemic when her mother fell extremely ill. As a senior citizen, traveling by bus, with schedules and lines that are not always accessible, it has not always been easy.

With veterans like Gail Nicholson in mind, Progressive founded the Keys to Progress event in 2013, hoping to alleviate some of these common struggles that veterans face every day. Now, Gail will be able to care for her family and travel freely without the need for public transit.

Veteran Gail Nicholson at the 2024 Keys to Progress event.

How the dream of independence becomes a reality

There’s no doubt that access to a car can make anyone’s life easier—but it also comes with additional expenses that require additional financial commitment. To help with this, multiple organizations have come together with Progressive to make Keys to Progress possible.

First, local charities and Veracity Research Co. Investigations (VRC), a veteran-owned and operated company, help to identify deserving veterans in each region. Once the recipients are chosen, Insurance Auto Auctions, Inc. (IAA) provides a Powertrain 12-month protection plan for all donated vehicles, while 1-800-Charity Cars donates resources to help with vehicle titling and registration. Enterprise, a rental car company, pays for the insurance for each donated vehicle for the first six months, and Progressive writes the insurance policies funded by Enterprise. Finally, the gently used vehicles are donated through Charity Cars.

The result is a well-deserved gift that enables each veteran to get back on the road and move ahead in life as easily as possible.

Supporting veterans on the road and beyond

Sometimes too, a veteran needs an assist in getting their small business off and running as well. Through Keys to Progress, Progressive has also donated three tractor trailers to worthy recipients.

Lt. Colonel Rose a 30-year U.S. Marine Corps veteran, was the 2022 recipient of a commercial through the Keys to Progress program. He shared, “Since being selected as the 2022 Keys to Progress recipient, the vehicle has exceeded all expectations of being an owner operator. Myself, including so many others, have been blessed by this magnificent machine. This blessing has catapulted my business forward, the donation of operating costs has played a significant part in minor repair costs along with being able to forgo a truck payment.”

Lt. Colonel Rose has been able to grow his trucking business to a second truck and he is working to purchase a third due to the revenue made from being a Keys to Progress recipient. He has also taken his earnings to donate to various charities and is inspired by showing his appreciation and patriotism for the United States.

But Keys to Progress is truly a passion project, and one that has impacted many deserving veterans. Collectively, Progressive has been able to donate vehicles to more than 1,100 military families, in addition to gifting three fully-loaded commercial trucks to veteran truck drivers and 28 commercial vehicles to select veteran organizations.

Cars at Progressive's annual Keys to Progress event.

“Our Keys to Progress initiative is a wonderful example of Progressive's purpose to help people move forward and live fully," said Tricia Griffith, President and Chief Executive Officer of Progressive. "We're proud to be celebrating our 12th year of supporting veterans and will present almost 100 well-deserving veterans and their families with keys to a vehicle that will provide them reliable transportation to get on the road and move forward in life."

Whether it’s for veterans like Leah or Gail, Keys to Progress is continuing to showcase its commitment to driving progress on the road and providing transportation for veterans, military-related organizations, and veteran-owned small business owners across the country for years to come.

Whether it’s for veterans like Leah, Gail, or Lt. Colonel Rose, Keys to Progress is continuing to showcase its commitment to driving progress for veterans, military-related organizations, and veteran-owned small business owners across the country for years to come.

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Modern Families

Boy joyfully greeting his mom at daycare pickup for five years is the cutest compilation ever

That squeal of delight is just too precious.

@TeesePeese/Twitter

A mom shared five years of daycare pickups, with her son squealing in delight every time.

There is nothing more pure in this world than the love between a child and a caring parent. But even in the world of healthy attachments and strong family bonds, this viral video takes the cake. Twitter user @TeesePeese shared a compilation of highlights showing her son's reaction at daycare pickup, and it's seriously the most precious thing ever.

"I really do love this video," she wrote. "I recorded my son's pick up almost every day and this is his reaction every single time. For his 5th bday (yesterday) I took my favorites and made a lil compilation, from infancy to just last week." The squeals. The smiles. The skipping for joy. Gracious, it doesn't get any sweeter.

Clearly that's a boy who adores his mama—and also has an adorable sense of enthusiasm.

Some new parents may worry that sending their child to daycare will negatively affect their child's attachment to them, but according to psychologist Noam Shpancer Ph.D, that worry is unfounded as long as the family environment is healthy at home.

"Available data indicate that, for most children, parental attachment processes are not disrupted by daycare participation," writes Shpancer. "Home variables, such as maternal sensitivity, are the strongest predictors of parent-child attachment, even for daycare children."

Clearly this kiddo's parent-child attachment hasn't suffered from being in daycare. Research also shows what common sense should also tell us—the quality of daycare matters.

Unfortunately, quality daycare can be prohibitively expensive, which is why the proposed affordable childcare provisions in the Build Back Better plan are a huge deal. Millions of parents have to work to support their families and middle-class American families spend an average of 14% of their income on childcare—double what the limit would be under the Build Back Better framework. And the U.S. is an outlier in this area. According to The New York Times, other wealthy nations contribute an average of $14,000 per year for a toddler's child care costs, while the U.S. contributes merely $500.

The virtues of stay-at-home motherhood versus working motherhood have been debated for decades, but no one can deny that childcare should be high quality and affordable whether a parent chooses to work or has to work. I was able to and chose to stay home during my kids' early childhoods, but I would be thrilled for my tax dollars to go toward helping all families get the support and childcare they need to make their individual situations work.

At any rate, love seeing kiddos loving on their mamas, especially ones with infectious grins and delight-filled squeals. Thanks for capturing your sweet boy's joy and sharing it with the rest of us @TeesePeese. You brought a smile to so many faces that needed it.


This article originally appeared four years ago.

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They've been in love since the fifth grade. What better place to propose than where it all began?

It's like a real life rom-com!

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"It was always you."

We don’t often meet the love of our life in fifth grade. But for Simon Jenkins and Peyton Wynn, romantic destiny struck early.

At the ripe old age of 11 years old, Simon and Peyton met at Johnson Elementary School in Pinson, Alabama, where they sat together in Patti Hathorn’s class. Their relationship continued to grow with each passing year, lasting even after graduation. Ten years later Simon and Peyton both turned 21, and they're still each other’s special someone.

boy and girl in swimsuits A photo of Peyton and Simon, already in love.scontent-lax3-2.xx.fbcdn.net

Fitting, then, that 10 years later, Simon and Peyton would celebrate their enduring love by getting engaged where it all began.

WVTM 13 anchor Rick Karle shared that Simon's mother Traci, “an event planner with a flair for the artistic,” suggested the nostalgic setting for his 2022 proposal. Getting Simon’s approval, she quickly laid out handcrafted signs, flowers and candles, making everything look extra special for the sweet moment.

A couple at their proposal

Who knew a classroom could be so romantic?

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The next part of the surprise would be entirely up to Simon. He told WVTM that the ruse had been getting a call from Traci as the couple made their way to a dinner date in celebration of their 10-year anniversary. She had “forgotten something at her PTA meeting at Johnson Elementary School,” and pleaded for them to go retrieve it. Nice one, mom.

Simon and Peyton made their way to the elementary school and found themselves in the lavish display. “You should have seen Peyton’s face when she walked into that classroom,” Simon told WVTM.

Judging by the photos alone, the proposal seemed to be something out of a Hallmark movie.

Couple get engaged in classroom

Spoiler alert: She said yes

scontent-lax3-2.xx.fbcdn.net

For Peyton, it was the surprise of a lifetime. “I finally got to say yes to the love of my life. It was like something out of a dream,” the bride-to-be told People.

To make the moment that much sweeter, their fifth grade teacher was also there. How’s that for a satisfying full circle moment?

Patti Hathorn (now Patti Armstrong Hagwood) made her own endearing Facebook post, which read:

“For any teacher that is asked or wonders ‘Why we do what we do’. My response is this: We get to watch more than just academic growth in our classrooms. We watch laughter. We watch friendships blossom and grow. We watch as these relationships continue to develop, and often we get to witness them last a lifetime. And, in some instances, we are privileged to be a part of this continuance…It was such an honor to be asked to be present as Simon Jenkins proposed to his 5th grade love. It is another moment that reminds me of my ‘why’ as I continue to love ‘my’ children each year.”

couple celebrating their engagement

I'm not crying, you're crying!

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Hagwood continues to teach and welcomed another class that Fall. Coincidentally, that’s when Peyton and Simon will officially tied the knot, according to People.

Congratulations to the happy couple who gave us all a wholesome love story to smile about today. I guess the adage is true: when you know, you know.

This article originally appeared three years ago.

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Health

Interesting video explains why people looked a lot older in the past than they do today

Were people unhealthy? Did they spend too much time in the sun?

via Vsauce/YouTube

Norm was only in his 30s?

Ever look at your parents' high school yearbooks and think people looked so much older back then? All of the teenagers look like they’re in their mid-30s and the teachers who are 50 look like they’re 80. When we watch older movies, even those from the 1980s, the teenagers appear to be a lot older as well. Why is it that they looked so much older? Was life harder? Did people act more mature? Did they spend more time outdoors and less time playing video games? Is it their sense of fashion? Were they all smokers?

Educator Michael Stevens, who runs the super-popular Vsauce YouTube channel, explains the phenomenon in a new video called, “Did people used to look older?” In the video, he explains that people in the past appear a lot older due to a phenomenon known as retrospective aging.

When we see people in the past, they are wearing outdated styles that we associate with older people; therefore, we think they have aged rapidly. For example, a teenager in the 1950s may have been in fashion while wearing thick Buddy Holly-style glasses.

But as people age, they tend to cling to the fashion of their youth. So many people of that generation continued to wear the Buddy Holly-style glasses into their 50s. So when younger people see those glasses they see them as old people's glasses and not a hip kid from the '50s.

So in the photo from the '50s, the teen appears to look a lot older because our perspective has been tainted by time.

But it isn’t all just an illusion. Stevens also points out that people did age faster back in the day due to differences in nutrition, lifestyle and medicine.

This article originally appeared three years ago.

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Joy

Woman who lives on a cruise ship shares the hardest part about her perfect life

She's a little afraid to leave her cabin.

via Christine Kesteloo/TikTok and Cagri Gurbuz/Pexels

Christine Kesteloo has one big problem living on a cruise ship.

A lot of folks would love to trade lives with Christine Kesteloo. Her husband is the Chief Engineer on a cruise ship, so she gets to live on the boat pretty much for free as the “wife on board.” For Christine, life is a lot like living on a permanent vacation.

“I live on a cruise ship for half the year with my husband, and it's often as glamorous as it sounds,” she told Insider. “After all, I don't cook, clean, make my bed, do laundry or pay for food.“

Living an all-inclusive lifestyle seems like paradise, but it has some drawbacks. Having access to all-you-can-eat food all day long can really have an effect on one’s waistline. Kesteloo admits that living on a cruise ship takes a lot of self-discipline because the temptation is always right under her nose.

“One of the hardest things about living on a cruise ship is that I know right now, if I just leave my cabin, I can go and have cookies, pizza, a shake, I could have anything I wanted, and I want it, I absolutely want it,” she said in a TikTok video that received over 400,000 views.

@dutchworld_americangirl

The hardest part about living on a cruise ship is that I am surrounded by free food all of the time anything I want I just had lunch but it’s 2 o’clock in my body tells me it’s either cookie time or time for a hamburger. The hardest part is telling myself not to eat. #hardestpart #cruiseship #livingatsea #koningsdam #weliveonacruiseship #cruisefoodie #foodtok #itsaproblem #halcruises #hollandamericaline

“I am laying here. It is 2 pm. I had a salad for lunch, I had some fresh fruit, but that didn’t fill me up,” she continued. “Right now, all I can think about is eating a burger with some French fries and some mayonnaise.”

“And that, folks, is the absolute hardest part about living on a cruise ship,” she said. “I am surrounded by food all the time.”

She added, "The hardest part is telling myself not to eat.”

Kesteloo’s trouble is a common problem among people on cruise ships. A study by Admiral Travel Insurance found that over 60% of people who go on a week-long cruise anticipate gaining weight. Seventeen percent of people say they gain 2 to 3 pounds on a cruise, while 14% say they gain 4 to 5 pounds.

Other estimates show that the average cruiser will put on 5 to 10 pounds on a weeklong cruise. Imagine living on a cruise ship for half the year, like Kesteloo. She could quickly put on 100 pounds a year if she's not careful.

"I’d be huge if I lived there. I would feel like I’m on a constant vacation, and who diets on vacation?" Theresa Gramelsapcker-Wilson wrote in the comments.

"This is my main reason why I couldn’t do this HHAHAHAHAHAA," Cara Mia added.

"I never thought about those who actually live on a cruise ship. I would be 500 pounds," Lucky Penny2468 said.

Kesteloo’s battle with temptation shows that in every life, a little rain must fall. Nobody ever truly has it perfect. Kesteloo seems to be living the perfect life on board a cruise ship, but she still has to fight temptation every moment of the day or make good use of the ship’s gym facilities. But, obviously, having access to too much food is far better than having too little.


This article originally appeared two years ago.

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