The famous rhetorician Albert Beveridge believed that "no oratorical phrase can be considered successful if it contains expressions such as "I may be wrong," or "in my humble opinion," or "as far as I can tell." Great orators are always so confident that the final part of their speech sounds like a compelling truth. They are 'experts in their field', and ordinary people are happy to listen to them. " Do you agree with this point of view? What if the speaker really has doubts about a particular issue? Why do people usually prefer to deal with confident speakers, leaders, lawyers and politicians? How can a speaker demonstrate confidence in his or her ideas, and what signs (other than the phrases above) indicate his doubts?

The u.s. stock market has returned an average of about 9% per year since 1900. this return works out to a real return (i.e., adjusted for inflation) of approximately 6% per year. if you invest $100,000 and you earn 6% a year on it, how much real purchasing power will you have in 30 years?

You and your new australian bride matilda, are applying for a loan and are required to submit a balance sheet with your net worth. you own a 2008 toyota camry that you bought last month for $9,995. the kelly blue book value for this car is $13,995. you owe $8,150 on the car loan for the camry. you pay off your visa credit card every month and have not paid any credit card interest this year. the current visa credit card balance is $3,522, and the next statement is due in 15 days. you have a student loan balance of $6,500. you presently have $425 in your checking account and $1,540 in your savings account. you own 100 shares of ibm stock that you purchased for $85.50 per share. one share of ibm is now selling for $158.42. you own computers and other electronics that you purchased for $4,100 but could probably sell today on e-bay for $1,800. your gross income is $80,000 per year. what is your current net worth? (see wb ch. 2 example 2.3)

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