Charles Duhigg Quotes
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Around New York City, samples collected at dozens of beaches or piers have detected the types of bacteria and other pollutants tied to sewage overflows. Though the city's drinking water comes from upstate reservoirs, environmentalists say untreated excrement and other waste in the city's waterways pose serious health risks.
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A few decades ago, many people didn't drink water outside of a meal. Then beverage companies started bottling the production of far-off springs, and now office workers unthinkingly sip bottled water all day long.
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Older consumers don't want to be treated like teenagers; what's more, they don't want to believe they fall into any niche at all.
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Even if consumer confidence hit rock bottom, that most likely would not be enough, by itself, to cause a depression.
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The biggest moment of flexibility in our shopping habits is when we have a child, because all of your old routines go out the window, and suddenly a marketer can come in and sell you new things.
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Fannie Mae and Freddie Mac buy mortgages from banks and other lenders, providing those financial institutions with capital to make new loans.
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Atrazine - a herbicide often used on corn fields, golf courses and even lawns - has become one of the most common contaminants in American drinking water.
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The desire to collect information on customers is not new for Target or any other large retailer, of course. For decades, Target has collected vast amounts of data on every person who regularly walks into one of its stores.
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Habits are malleable throughout your entire life.
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Martyrs - those killed because of their Catholic faith - can be beatified even if they don't perform a miracle. However, all beatified individuals must stage a certifiable miracle before being made a saint.
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Back when Detroit was the head of auto manufacturing, it was clear where profits were created. Right? A car was made in Detroit. There was little argument that you could make that some of the money from that should be sent overseas to Ireland.
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If you look hard enough, you'll find that many of the products we use every day - chewing gums, skin moisturizers, disinfecting wipes, air fresheners, water purifiers, health snacks, antiperspirants, colognes, teeth whiteners, fabric softeners, vitamins - are results of manufactured habits.
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Because reverse mortgages do not require borrowers to make immediate repayments, the interest charges are added to the debt every day, and the total amount owed grows over time.
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There are systems called zero discharge emission systems that would prevent any pollution from making it into the water or the air.
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Cash from a reverse mortgage can be paid out in several ways, including a lump sum, a monthly payment, a line of credit, or a combination of those. If you do not need money right away, it is usually a bad idea to take all the money upfront, since it starts accumulating interest charges immediately.
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Stock exchanges say that more than half of all trades are now executed by just a handful of high-frequency traders, who use rapid-fire computers to essentially force slower investors to give up profits, then disappear before anyone knows what happened.
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Hank Paulson, the happy capitalist warrior who spent his life pursuing and defending free markets, is now the biggest interventionist Treasury secretary we've had since the Great Depression.
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As the United States has become an older nation, reverse mortgages have grown into a $20-billion-a-year industry, with elderly homeowners taking out more than 132,000 such loans in 2007, an increase of more than 270 percent from two years earlier.
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Drinking water that does not meet a federal health guideline will not necessarily make someone ill. Many contaminants are hazardous only if consumed for years. And some researchers argue that even toxic chemicals, when consumed at extremely low doses over long periods, pose few risks.
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Even though it's hard to learn how to back your car out the driveway at first, once it becomes a habit, you can do it almost automatically and think about something else, like the meeting that you need to go to today or what's on the radio.
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Public employee unions, in their defense, say politicians have unfairly made them into simplistic bogeymen, responsible for problems that have myriad causes. Not all government workers receive generous pensions, they note.
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I think there's a lot of people who right now are worried that people are going down frivolous paths, like inventing new social networks or new games, instead of inventing the cures for cancer or fundamental technologies that will change the world.
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Lawsuits against reverse mortgage companies, including the nation's largest, Financial Freedom Senior Funding, contend that those firms helped pressure older Americans into bad investments.
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For years, agency officials said that atrazine in drinking water posed almost no risk to humans or the environment.