{"id":1507,"date":"2018-05-23T08:56:00","date_gmt":"2018-05-22T22:56:00","guid":{"rendered":"https:\/\/www.qfactor.com.au\/?p=1507"},"modified":"2024-05-26T19:46:08","modified_gmt":"2024-05-26T09:46:08","slug":"predictably-irrational","status":"publish","type":"post","link":"https:\/\/murrayslatter.me\/?p=1507","title":{"rendered":"Predictably Irrational"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Are you single? in Predictably Irrational, you will find how to attract potential dating partners at a club: bring along a friend who looks similar to you, only is slightly&nbsp;<em>less<\/em>&nbsp;attractive. This will greatly increase your chances of success.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Our brains are naturally inclined to seek out comparisons, and we often do this in the simplest way possible by using the most accessible comparisons available.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For instance, if you go to a bar with a friend who is slightly less attractive than you, you&#8217;re providing potential dates with an easy comparison. Instead of having to evaluate a variety of people, they can quickly determine that you are more attractive than your friend. This straightforward comparison can lead to you being perceived as the most attractive person there. Just be sure not to reveal to your friend the real reason you invited them out.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Same Same<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This same comparison principle applies to product pricing, and marketers often exploit this by introducing expensive &#8220;decoy products&#8221; to make other items seem cheaper by comparison. For example, some clever restaurants will deliberately overprice the priciest item on their menu, causing customers to perceive the second most expensive item as a better deal and opt for it instead.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While comparisons can help us make decisions, they can also lead to dissatisfaction. Continuously comparing your salary, clothes, or car to others can breed envy and leave you perpetually unhappy with what you have. James Hong, cofounder of hotornot.com, expressed this sentiment well after selling his Porsche Boxster:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cI don\u2019t want to live the life of a Boxster, because when you get a Boxster you wish you had a 911, and you know what people who have 911s wish they had? They wish they had a Ferrari.\u201d<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-amazon wp-block-embed-amazon\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Predictably Irrational: The Hidden Forces That Shape Our Decisions\" type=\"text\/html\" width=\"640\" height=\"550\" frameborder=\"0\" allowfullscreen style=\"max-width:100%\" src=\"https:\/\/read.amazon.com.au\/kp\/card?preview=inline&#038;linkCode=ll1&#038;ref_=k4w_oembed_3SwWKR5jHQchGA&#038;asin=006135323X&#038;tag=bywineexecu09-22\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Predictably Irrational Key Idea #1: When we\u2019re offered something for free, our rational thinking goes out the window.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Few things prompt irrational behavior as effectively as the word \u201cfree.\u201d People eagerly haul away useless free keychains from conferences or purchase two items they don\u2019t need just to get a third one for free.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Free&#8221; isn&#8217;t just a price; it\u2019s a powerful, almost irresistible emotional trigger.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consider a study involving chocolates: participants could choose between delicious Lindt truffles priced at 15 cents each or less tasty Hershey\u2019s Kisses at one cent each. Most people (73 percent) opted for the tasty Lindt truffles.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But what happened when the prices changed to 14 cents per truffle and zero cents (free) per Hershey\u2019s Kiss? Despite the identical 14-cent price difference, the introduction of \u201cfree\u201d dramatically shifted choices.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The result: 69 percent of people now chose Hershey\u2019s Kisses, even though they could still have gotten the tastier truffles at a great price. That\u2019s the power of \u201cfree.\u201d<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Why does this happen? <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Whenever we pay for something, we take a risk: if the item isn\u2019t worth the price, we lose money. Humans deeply dislike losing things. Therefore, when an item has no potential downside (it\u2019s free), we perceive it as much more valuable than it actually is. This phenomenon is known as the zero price effect.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The allure of \u201cfree\u201d is so potent that companies frequently exploit it. For instance, Amazon successfully encourages customers to add \u201cjust one more book\u201d to their order by offering free shipping for orders above a certain amount.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Policymakers should also recognize and harness the power of \u201cfree\u201d to drive change. For example, if the government wants people to regularly check their cholesterol levels, they shouldn\u2019t just reduce the cost but make it entirely free!<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-amazon wp-block-embed-amazon\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Thinking, Fast and Slow\" type=\"text\/html\" width=\"640\" height=\"550\" frameborder=\"0\" allowfullscreen style=\"max-width:100%\" src=\"https:\/\/read.amazon.com.au\/kp\/card?preview=inline&#038;linkCode=ll1&#038;ref_=k4w_oembed_t8xSqxMo6GfQYt&#038;asin=0374275637&#038;tag=bywineexecu09-22\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Predictably Irrational Key Idea #2: The first price number we hear affects what we are willing to pay later.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">How much would you be willing to pay for a nice bottle of wine? What about a box of Swiss chocolates?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Got your figures in mind?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Now, imagine you were asked to write down the last two digits of your social security number before answering those questions. Do you think your estimates would change?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Amazingly, the answer is likely yes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Price dissonance <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Our decisions about what we&#8217;re willing to pay for products are far more irrational than we might think. Research shows that, instead of making rational analyses of supply and demand, we often rely on a phenomenon called arbitrary coherence. We expect prices to be coherent, so we use the first price we&#8217;re quoted\u2014no matter how arbitrary\u2014as an anchor to determine reasonable prices for future purchases.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, when a new product like an LED television hits the market, we don&#8217;t know its true value, so we seek an anchor. If the first price we hear is $1200, we expect future prices to align with that figure. Thus, deals at $1000 will seem attractive, while offers at $1400 will appear overpriced.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This anchoring effect is evident even when people write down the last two digits of their social security number before bidding on auction items. If the digits are high (e.g., 89), people tend to bid higher, whereas lower numbers result in lower bids.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It seems we&#8217;ll readily anchor prices to any number we&#8217;ve recently considered when encountering a new product.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-amazon wp-block-embed-amazon\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Predictably Irrational: The Hidden Forces That Shape Our Decisions\" type=\"text\/html\" width=\"640\" height=\"550\" frameborder=\"0\" allowfullscreen style=\"max-width:100%\" src=\"https:\/\/read.amazon.com.au\/kp\/card?preview=inline&#038;linkCode=ll1&#038;ref_=k4w_oembed_3SwWKR5jHQchGA&#038;asin=006135323X&#038;tag=bywineexecu09-22\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Predictably Irrational Key Idea #3: We overvalue what we own.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">At Duke University, obtaining tickets for basketball games is quite the ordeal. Students camp out for days in front of the stadium just for a chance to participate in a lottery for tickets.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before the lottery, these students are a fairly homogeneous group. They all have an equal chance of winning a ticket and have put in the same effort, so it\u2019s reasonable to assume they all value the tickets similarly. However, once the lottery is over, the students are split into two groups: those who won tickets and those who did not.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A survey revealed that this arbitrary division significantly affects how they value the tickets. Students who won tickets refused to sell them for less than $2,400, while those who didn&#8217;t win wouldn&#8217;t pay more than $170 for them. What causes this sudden and drastic difference?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Firstly, when we own something, we become attached to it. We imagine all the things we could do with it (like enjoying the atmosphere at a basketball game), so we value it more highly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Secondly, people tend to focus disproportionately on what they are losing. For the seller, it&#8217;s the experiences they could have with the ticket; for the buyer, it&#8217;s the other things they could do with the money. Both parties feel that what they are giving up is more valuable than what they are gaining.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lastly, we expect others to appreciate the same things we do. A homeowner might believe their \u201ccreative\u201d wallpapering warrants a higher price, while a buyer thinks it should result in a discount.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Interestingly, this effect also applies to opinions. If you&#8217;ve invested a lot of time and effort into advocating a particular viewpoint, you become more stubborn, feeling a stronger sense of ownership over that opinion and are less willing to change it.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-amazon wp-block-embed-amazon\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Thinking, Fast and Slow\" type=\"text\/html\" width=\"640\" height=\"550\" frameborder=\"0\" allowfullscreen style=\"max-width:100%\" src=\"https:\/\/read.amazon.com.au\/kp\/card?preview=inline&#038;linkCode=ll1&#038;ref_=k4w_oembed_t8xSqxMo6GfQYt&#038;asin=0374275637&#038;tag=bywineexecu09-22\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Predictably Irrational Key Idea #4: Our experiences are shaped by our expectations.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">At one stage, both Pepsi and Coke claimed that consumers preferred the taste of their cola over the other.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But how could both of them truthfully say this? Was one lying?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It turned out that in a&nbsp;<em>blind<\/em>&nbsp;taste test, people preferred the taste of Pepsi to Coke. But in a test where the brands were visible, people preferred Coke to Pepsi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Why on earth would the brand \u2013 a purely mental image \u2013 influence how the beverage tastes?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The answer is that our expectations and previous experiences \u2013 for example with cola brands \u2013 radically influence how we perceive things. For example, if we know a movie has received great reviews, we will tend to enjoy it more than otherwise.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Incredibly, even the potency of medicine is impacted by expectations. This is clearly seen in the placebo effect: patients who expect a drug to work will feel better after taking it than those who don\u2019t expect it to work.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Even more astonishingly, the more expensive the medicine is, the more powerful its effects are. People who were told their pain medication cost $2.50 per pill found it relieved pain more often than those told it cost just 10 cents per pill.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Similarly, people who paid more for an energy drink performed better on a subsequent puzzle task than people who paid less. The \u201cenergizing effect\u201d was modulated by the price of the product.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But expectations can also affect us in more subtle ways: if certain stereotypes are evoked in our mind, we start to emulate the behavior we would expect from the stereotype. Consider that when people had to complete a word task that involved words typically associated with the elderly &#8211; for example,&nbsp;\u201cFlorida,\u201d \u201cancient,\u201d and \u201cbingo\u201d &#8211; they actually tended to walk slower after the experiment just as elderly people would.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-amazon wp-block-embed-amazon\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Predictably Irrational: The Hidden Forces That Shape Our Decisions\" type=\"text\/html\" width=\"640\" height=\"550\" frameborder=\"0\" allowfullscreen style=\"max-width:100%\" src=\"https:\/\/read.amazon.com.au\/kp\/card?preview=inline&#038;linkCode=ll1&#038;ref_=k4w_oembed_3SwWKR5jHQchGA&#038;asin=006135323X&#038;tag=bywineexecu09-22\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Predictably Irrational Key Idea #5: People\u2019s responses to your requests depend on whether they fall under social or market norms.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Why would your mother be offended if you offered to pay her $50 for the Sunday dinner she lovingly prepared?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And why would most employees refuse to be paid in hugs by their employer?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The reason is that we apply different sets of&nbsp;<em>norms<\/em>&nbsp;in these two different circumstances:&nbsp;<em>social norms<\/em>&nbsp;and&nbsp;<em>market norms<\/em>. In any given situation, our expectations and behavior depend on which norms we are using.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Social norms dictate how we deal with friendly requests and favors, where immediate repayment of the favor is not expected.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Market norms, on the other hand, are more cold and calculating: resources are exchanged; work is performed for a salary \u2013 tit for tat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Of these two set of norms, it is entirely possible to inadvertently invoke the wrong ones in the wrong situation. The result is usually a disaster: just try ending an evening by paying your date $500 for the pleasure of her company.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In general, market norms tend to make people more selfish. Take, for example, when lawyers were asked if they would provide cheaper services to needy retirees. Most of them said no, but when they were asked if they would do it for free, most said yes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Why? Surely some money is better than none at all?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The answer is that, when offered even a small compensation for work, the request fell under market norms and the lawyers considered the proposed compensation totally inadequate. But when asked to do it for free, social norms applied and the proposal was acceptable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The lesson is that when you make a request, think carefully about which norms you invoke. Often just mentioning money is enough to make people apply cold market norms, and studies have shown that once invoked, it is very difficult to revert back to warm and unselfish social norms.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-amazon wp-block-embed-amazon\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Thinking, Fast and Slow\" type=\"text\/html\" width=\"640\" height=\"550\" frameborder=\"0\" allowfullscreen style=\"max-width:100%\" src=\"https:\/\/read.amazon.com.au\/kp\/card?preview=inline&#038;linkCode=ll1&#038;ref_=k4w_oembed_t8xSqxMo6GfQYt&#038;asin=0374275637&#038;tag=bywineexecu09-22\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Predictably Irrational Key Idea #6: People are prone to dishonesty, but not wildly so.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Do you consider yourself an honest person? Would you rob a bank? Would you take a Coke from the communal fridge in the workplace if no one was looking?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Studies have shown that most people are a little bit dishonest. For example, when people took a math quiz with small monetary prizes as rewards, it was found that given the chance to grade themselves, most people&nbsp;<em>would&nbsp;<\/em>cheat by slightly exaggerating their own performance. Encouragingly though, the amount of cheating did not increase when the chances of being caught were lessened. Even when it was impossible to get caught, people did not begin to cheat massively.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The tendency for dishonesty becomes even more prominent when the reward for cheating is not cash but some other item: most people would not steal cash from work but might well take a pen or a coffee mug. This is because most people consider honesty to be important, so we are more comfortable with dishonesty if we can rationalize it. Studies show this is far easier with items than with money: \u201cIt was ok to take that pencil because office supplies are really part of my total compensation.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Interestingly, studies show it may be possible to negate our propensity for dishonesty with a certain kind of&nbsp;<em>priming<\/em>, meaning by invoking certain thoughts in people\u2019s minds before they undertake a task.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As seen in the example above, most participants tend to cheat a little in quizzes with small monetary prizes. But what if participants were asked to recall the Ten Commandments before taking the quiz?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Astonishingly, they did not cheat at all! It seems that merely thinking about honesty is enough to keep us on the righteous path.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-amazon wp-block-embed-amazon\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Predictably Irrational: The Hidden Forces That Shape Our Decisions\" type=\"text\/html\" width=\"640\" height=\"550\" frameborder=\"0\" allowfullscreen style=\"max-width:100%\" src=\"https:\/\/read.amazon.com.au\/kp\/card?preview=inline&#038;linkCode=ll1&#038;ref_=k4w_oembed_3SwWKR5jHQchGA&#038;asin=006135323X&#038;tag=bywineexecu09-22\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Predictably Irrational Key Idea #7: Dr. Jekyll sets our rational long-term goals, but we must fight Mr. Hyde\u2019s irrationality to reach them.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Have you ever decided to start living more frugally, eating more healthily or watching less TV, only to find yourself mere days later buying something you don\u2019t need, stuffing potato chips in your mouth or spending an entire Sunday watching TV?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes human existence seems analogous to the story of Dr. Jekyll and Mr. Hyde. The cool, rational, reasonable side of us knows what we should do, but then the impulsive, uncontrollable side takes over and does the exact opposite.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is why, for example, it is very hard to get teenagers to practice safe sex. Though their rational side may know that a condom should be used, an aroused teenager can easily forget such things.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But even as mature, reasonable adults, we still often succumb to Mr. Hyde\u2019s irrational urges. We give up our long-term goals in favor of immediate gratification; we&nbsp;<em>procrastinate<\/em>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">University students are, of course, famous procrastinators, often waiting till the last night before writing essays. But an experiment showed that when allowed to set their own deadlines, some students acknowledged their weaknesses. They deliberately set themselves small, evenly-spaced deadlines throughout the course to force themselves to even out their own workload and not procrastinate till the last minute. The results? Their grades were far better than those of students who had just one big deadline at the end of the course.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This seems to suggest that by acknowledging our weaknesses, we can remedy procrastination. One way to do this is to precommit to deadlines and restrictions, as the students in the above example did.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Another method is to tie a short-term gratification to the unpleasant actions required by our long-term goals. For example, to motivate himself to endure very unpleasant hepatitis medication (long-term goal), the author used to take the injections while watching great movies (short-term pleasure).<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-amazon wp-block-embed-amazon\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Thinking, Fast and Slow\" type=\"text\/html\" width=\"640\" height=\"550\" frameborder=\"0\" allowfullscreen style=\"max-width:100%\" src=\"https:\/\/read.amazon.com.au\/kp\/card?preview=inline&#038;linkCode=ll1&#038;ref_=k4w_oembed_t8xSqxMo6GfQYt&#038;asin=0374275637&#038;tag=bywineexecu09-22\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Predictably Irrational Key Idea #8: People are obsessed with keeping their options open, even when it hurts them in the long run.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In 210 BC, after the Chinese commander Xiang Yu had ferried his army across the Yangtze River, he set fire to his own ships. He did this to show his troops that retreat was not an option. In response, they fought so ferociously that they won nine battles consecutively.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This story has become famous because deliberately closing an available option runs counter to our natural instincts. We humans try to keep our options open as much as possible: in our education, our careers and our choice of romantic partner.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some might say that in an uncertain world, it makes sense to leave open as many avenues as possible, but studies have actually shown that this tendency is so powerful it can even be harmful.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, consider a study where people were offered real monetary prizes when playing a computer game. In the game, participants could either earn prize money while letting options close or lose prize money in order to keep options open. Surprisingly, even in a game the irrational desire to keep options open proved irresistible \u2013 the participants happily paid for it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Not making a decision also carries consequences. A person indecisive between two career paths, say architecture and IT engineering, may not wholeheartedly pursue either, hence end up a mediocre architect or programmer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As the story of Xiang Yu shows, sometimes closing options is beneficial, because it forces us to focus. Rather than kidding ourselves that we can keep all options open indefinitely, we need to make difficult choices about what is truly important to us. For example, if you really want to spend more time with your children, it might be time to shut the door on another time-consuming dream, such as becoming a partner at your law firm.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-amazon wp-block-embed-amazon\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Predictably Irrational: The Hidden Forces That Shape Our Decisions\" type=\"text\/html\" width=\"640\" height=\"550\" frameborder=\"0\" allowfullscreen style=\"max-width:100%\" src=\"https:\/\/read.amazon.com.au\/kp\/card?preview=inline&#038;linkCode=ll1&#038;ref_=k4w_oembed_3SwWKR5jHQchGA&#038;asin=006135323X&#038;tag=bywineexecu09-22\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Want to know more about me:<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Connect on <a href=\"https:\/\/www.linkedin.com\/in\/murrayslatter\/\">LinkedIn<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Checkout more <a href=\"https:\/\/murrayslatter.me\/?cat=22\">Book Review in this series<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Connect for more free <a href=\"https:\/\/share.hsforms.com\/1BOVrPBN0SZSyE6N4ppjRqAeiskf\">material and coaching<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Connect with our team at <a href=\"https:\/\/qfactor.com.au\/\">Qfactor<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are you single? in Predictably Irrational, you will find how to attract potential dating partners at a club: bring along a friend who looks similar to you, only is slightly&nbsp;less&nbsp;attractive. This will greatly increase your chances of success. Why? Our [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":3499,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[22],"tags":[64],"class_list":["post-1507","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uniq","tag-bookreview","clearfix"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Predictably Irrational - Murray Slatter<\/title>\n<meta name=\"description\" content=\"Single? 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Here\u2019s a surprising tip on how to attract potential dating partners at a club: bring along a friend who looks similar to you but is slightly less attractive. This will greatly increase your chances of success. Predictably Irrational? Yes! Why? Our minds are wired to seek comparisons,\u2026","rel":"","context":"In &quot;UniQ&quot;","block_context":{"text":"UniQ","link":"https:\/\/murrayslatter.me\/?cat=22"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/murrayslatter.me\/wp-content\/uploads\/2024\/05\/Predictably-Irrational.jpg?fit=680%2C499&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/murrayslatter.me\/wp-content\/uploads\/2024\/05\/Predictably-Irrational.jpg?fit=680%2C499&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/murrayslatter.me\/wp-content\/uploads\/2024\/05\/Predictably-Irrational.jpg?fit=680%2C499&ssl=1&resize=525%2C300 1.5x"},"classes":[]},{"id":5611,"url":"https:\/\/murrayslatter.me\/?p=5611","url_meta":{"origin":1507,"position":1},"title":"Time Value of Money","author":"Murray Slatter","date":"June 16, 2025","format":false,"excerpt":"\u201cA dollar today is worth more than a dollar tomorrow.\u201d This simple phrase underpins one of the most foundational ideas in finance: the Time Value of Money (TVM). 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