Advising Money Quotes

I am excessively fond of a cottage; there is always so much comfort, so much elegance about them. And I protest, if I had any money to spare, I should buy a little land and build one myself, within a short distance of London, where I might drive myself down at any time, and collect a few friends about me and be happy. I advise everybody who is going to build, to build a cottage.

Treat your advices like your money, don't give it to others unless they ask for it.

Where large sums of money are concerned, it is advisable to trust nobody.

And I advise ye to think well, he told her It's better to be a stray dog in this world than a man without money. I've tried it both ways, and I know. A poor man stinks, and God hates him.

What is patriotism? Let us begin with what patriotism is not. It is not patriotic to dodge the draft and to mock war heroes and their families. It is not patriotic to discriminate against active-duty members of the armed forces in one’s companies, or to campaign to keep disabled veterans away from one’s property. It is not patriotic to compare one’s search for sexual partners in New York with the military service in Vietnam that one has dodged. It is not patriotic to avoid paying taxes, especially when American working families do pay. It is not patriotic to ask those working, taxpaying American families to finance one’s own presidential campaign, and then to spend their contributions in one’s own companies. It is not patriotic to admire foreign dictators. It is not patriotic to cultivate a relationship with Muammar Gaddafi; or to say that Bashar al-Assad and Vladimir Putin are superior leaders. It is not patriotic to call upon Russia to intervene in an American presidential election. It is not patriotic to cite Russian propaganda at rallies. It is not patriotic to share an adviser with Russian oligarchs. It is not patriotic to solicit foreign policy advice from someone who owns shares in a Russian energy company. It is not patriotic to read a foreign policy speech written by someone on the payroll of a Russian energy company. It is not patriotic to appoint a national security adviser who has taken money from a Russian propaganda organ. It is not patriotic to appoint as secretary of state an oilman with Russian financial interests who is the director of a Russian-American energy company and has received the “Order of Friendship” from Putin. The point is not that Russia and America must be enemies. The point is that patriotism involves serving your own country. The

I speak less because my words are precious and my advices are priceless.

At the end of the day, if you’re wasting your time by not investing in yourself, you’re going to waste away—and that would be the greatest waste of all.

What happened was, I got the idea in my head-and I could not get it out ㅡ that college was just one more dopey, inane place in the world dedicated to piling up treasure on earth and everything. I mean treasure is treasure, for heaven's sake. What's the difference whether the treasure is money, or property, or even culture, or even just plain knowledge? It all seemed like exactly the same thing to me, if you take off the wrapping ㅡ and it still does! Sometimes I think that knowledge ㅡ when it's knowledge for knowledge's sake, anyway ㅡ is the worst of all. The least excusable, certainly. [...] I don't think it would have all got me quite so down if just once in a while ㅡ just once in a while ㅡ there was at least some polite little perfunctory implication that knowledge should lead to wisdom, and that if it doesn't, it's just a disgusting waste of time! But there never is! You never even hear any hints dropped on a campus that wisdom is supposed to be the goal of knowledge. You hardly ever even hear the word 'wisdom' mentioned! Do you want to hear something funny? Do you want to hear something really funny? In almost four years of college ㅡ and this is the absolute truth ㅡ in almost four years of college, the only time I can remember ever even hearing the expression 'wise man' being used was in my freshman year, in Political Science! And you know how it was used? It was used in reference to some nice old poopy elder statesman who'd made a fortune in the stock market and then gone to Washington to be an adviser to President Roosevelt. Honestly, now! Four years of college, almost! I'm not saying that happens to everybody, but I just get so upset when I think about it I could die.

There is a defined gulf Between credit and character If you doubt this, ask any banker; He will advise that character is nice But it is not collateral.

I would advise you to buy it, because if you read too long without handing over money you will find yourself the object of the Thief's Curse

Then let me advise you to take up your little burdens again, for though they seem heavy sometimes, they are good for us, and lighten as we learn to carry them. Work is wholesome, and there is plenty for everyone. It keeps us from ennui and mischief, is good for health and spirits, and gives us a sense of power and independence better than money or fashion." "We'll

I never advise friends to put money in anything,. said Danny. 'It's a no-win situation - if they make a profit they forget that it was you who recommended it, and if they make a loss they never stop reminding you. My only advise would be not to gamble what you can't afford, and never to risk an amount that might cause you to lose a night's sleep

He advised that I could invest in stocks to make money. Given that I have a negative balance, that was where the conversation stopped.

Peter Lynch doesn’t advise you to buy stock in your favorite store just because you like shopping in the store, nor should you buy stock in a manufacturer because it makes your favorite product or a restaurant because you like the food. Liking a store, a product, or a restaurant is a good reason to get interested in a company and put it on your research list, but it’s not enough of a reason to own the stock! Never invest in any company before you’ve done the homework on the company’s earnings prospects, financial condition, competitive position, plans for expansion, and so forth.

Eponymous Clent- Wanted for thirty-nine cases of fraud, counterfeiting, selling, and circulating lewd and unlicensed literature, claiming to be the impecunious son of a duke, impersonating a magistrate, impersonating a horse doctor, breach of promise, forty-seven moonlit flits without payment of debts, robbing shrines, fleeing from justice before trial, stealing pies from windows and small furniture from inns, fabricating the Great Palthrop Horse Plague for purposes of profit, operating a hurdy-gurdy without a license. The public is advised against lending him money, buying anything from him, letting him rooms, or believing a word he says. Contrary to his professions, he will not pay you the day after tomorrow.

I suppose it was the worst book any man has ever written. It was a colossal tome and faulty from start to finish. But it was my first book and I was in love with it. If I had had the money, as Gide had, I would have published it at my own expense. If I had had the courage that Whitman had, I would have peddled it from door to door. Everybody I showed it to said it was terrible. I was urged to give up the idea of writing. I had to learn, as Balzac did, that one must write volumes before signing one's own name. I had to learn, as I soon did, that one must give up everything and not do anything else but write, that one must write and write and write, even if everybody in the world advises you against it, even if nobody believes in you. Perhaps one does it just because nobody believes; perhaps the real secret lies in making people believe. That the book was inadequate, faulty, bad, terrible, as they said, was only natural.

I was forty-five years old and tired of being an artist. Besides, I owed $20,000 to relatives, finance companies, banks and assorted bookmakers and shylocks. It was really time to grow up and sell out as Lenny Bruce once advised. So I told my editors 'OK, I'll write a book about the mafia, just give me some money to get started'.

but we advise you to never chase the money. That’s a recipe for frustration. Chase your focus, your mission, your passion, and your purpose, and allow money and income to stem from that. This chapter isn’t meant to define the only ways to make money.

Greenspan advised the American people to buy - he repeated the old mantra: 'spending is patriotic'. He also managed to convince them that if they did not have the money, that shouldn't stop them. They would 'pay later'. To a certain extent he was correct, we are all having to 'pay later'... we may even never stop paying.

Trump’s pick for secretary of state? Rex Tillerson, a figure known and trusted in Moscow, and recipient of the Order of Friendship. National security adviser? Michael Flynn, Putin’s dinner companion and a beneficiary of undeclared Russian fees. Campaign manager? Paul Manafort, longtime confidant to ex-Soviet oligarchs. Foreign policy adviser? Carter Page, an alleged Moscow asset who gave documents to Putin’s spies. Commerce secretary? Wilbur Ross, an entrepreneur with Russia-connected investments. Personal lawyer? Michael Cohen, who sent emails to Putin’s press secretary. Business partner? Felix Sater, son of a Russian American mafia boss. And other personalities, too. It was almost as if Putin had played a role in naming Trump’s cabinet. The U.S. president, of course, had done the choosing. But the constellation of individuals, and their immaculate alignment with Russian interests, formed a discernible pattern, like stars against a clear night sky. A pattern of collusion.

Old men are always advising young men to save money. That is bad advice. Don’t save every nickel. Invest in yourself.

In ancient Rome, money was minted in the temple of Juno Moneta, the Great Mother in her aspect of adviser and admonisher. She is the source of our words money and monetary.

Those who advise you against taking risks are limiting your pathways to opportunity and wealth.

I met Tati, who advised me to save my money lest I wind up in the old actor’s home, where he had just come from visiting a friend.

Money: My Thesis Money can buy you comfort, but it can’t buy you peace. Money can buy you pleasure, but it can’t buy you happiness. Money can buy you food, but it can’t buy you contentment. Money can buy you delight, but it can’t buy you love. Money can buy you praise, but it can’t buy you honor. Money can buy you titles, but it can’t buy you respect. Money can buy you neighbors, but it can’t buy you friends. Money can buy you crowds, but it can’t buy you God. Money can buy you religion, but it can’t buy you faith. Money can buy you education, but it can’t buy you wisdom. Money can buy you medicine, but it can’t buy you health. Money can buy you time, but it can’t buy you life. Money can buy you a compass, but it can’t buy you purpose. Money can buy you luck, but it can’t buy you fate. Money can buy you advisers, but it can’t buy you certainty. Money can buy you today, but it can’t buy you tomorrow. Money can buy you fish, but it can’t buy you the ocean. Money can buy you land, but it can’t buy you the world. Money can buy you aeroplanes, but it can’t buy you the skies. Money can buy you telescopes, but it can’t buy you the stars.

They were directed to hire certain well-connected advisers and lobbyists in Washington. “You hear about bribery in China,” says Herbold. “They have nothing on us. We are just more sophisticated about it.

By buying this book-and I would advise you to buy it, because if you read it for too long with out handing over money you will find yourself the object of a Thief's Curse- you too will be contributing to this magical mission.

Graduate student Raina Sun is trying to keep her head above water as the bills roll in when her dashing college adviser cons her out of several months of rent. But her quest to get her money back sets into a motion a streak of bad luck.

if I had any money to spare, I should buy a little land and build one myself, within a short distance of London, where I might drive myself down at any time, and collect a few friends about me, and be happy. I advise every body who is going to build, to build a cottage.

Vergennes proposed clandestine aid to the rebels to avoid stirring up an overt war with Britain and to shore up the enemy of France’s enemy, advising, “The courage of the Americans might be kept up by secret favors and vague hopes.” He specifically suggested sending them covert “military stores and money” for the time being but warned against going public and making an official treaty with the insurgents until “the liberty of English America shall have acquired consistency.” In other words, they should not stumble into another war with Britain until the Americans prove themselves. Because

It all must have cost a fortune, guessed Lucy, who had lost track of the actual total sometime around December 18. Oh, sure, it had been great fun for the hour or two it took to open all the presents, but those credit card balances would linger for months. And what was she going to do about the letter? It was from the financial aid office at Chamberlain College advising her that they had reviewed the family’s finances and had cut Elizabeth’s aid package by ten thousand dollars. That meant they had to come up with the money or Elizabeth would have to leave school. She guiltily fingered the diamond studs Bill had surprised her with, saying they were a reward for all the Christmases he was only able to give her a handmade coupon book of promises after they finished buying presents for the kids. It was a lovely gesture, but she knew they couldn’t really afford it. She wasn’t even sure he had work lined up for the winter.

Borrowing and spending money never leads to prosperity or happiness. It is advisable to live within our means and avoid debt. Borrowing money is simply one method of deferring absorbing today’s pain in exchange for repaying it with greater pain on a later day. Acceptance of a short period of discomfort is wiser than to mortgage a person’s future.

Then let me advise you to take up your little burdens again; for though they seem heavy sometimes, they are good for us, and lighten as we learn to carry them. Work is wholesome, and there is plenty for everyone; it keeps us from ennui and mischief, is good for health and spirits, and gives us a sense of power and independence better than money or fashion.

Then let me advise you to take up your little burdens again, for though they seem heavy sometimes, they are good for us, and lighten as we learn to carry them. Work is wholesome, and there is plenty for everyone. It keeps us from ennui and mischief, is good for health and spirits, and gives us a sense of power and independence better than money or fashion.

Cicero believed three things about older age. First, that it should be dedicated to service, not goofing off. Second, our greatest gift later in life is wisdom, in which learning and thought create a worldview that can enrich others. Third, our natural ability at this point is counsel: mentoring, advising, and teaching others, in a way that does not amass worldly rewards of money, power, or prestige.

THE BUTCHER AND THE DIETITIAN A good friend of mine recently forwarded me a YouTube video entitled The Butcher vs. the Dietitian, a two-minute cartoon that effectively and succinctly highlighted the major difference between a broker and a legal fiduciary. The video made the glaringly obvious point that when you walk into a butcher shop, you are always encouraged to buy meat. Ask a butcher what’s for dinner, and the answer is always “Meat!” But a dietitian, on the other hand, will advise you to eat what’s best for your health. She has no interest in selling you meat if fish is better for you. Brokers are butchers, while fiduciaries are dietitians. They have no “dog in the race” to sell you a specific product or fund. This simple distinction gives you a position of power! Insiders know the difference.

Maj. Charles Abeyawardena, a strategic planning officer with the Army’s Center for Lessons Learned at Fort Leavenworth, Kansas, arrived in Afghanistan in 2005 to interview U.S. combat advisers and senior Afghan officials about their experiences. As an aside, he decided to ask low-ranking Afghan soldiers why they had enlisted. He said their responses echoed those usually given by American troops: it’s a solid paycheck, I want to serve my country, it’s an opportunity to do something new with my life. But when he followed up by asking whether they would stay in the Afghan army after the United States left, the answers startled him. “The majority, almost everyone I talked to, said, ‘No,’ ” Abeyawardena said in an Army oral-history interview. “They were going to go back and grow opium or marijuana or something like that, because that’s where the money is.

Yes, I wanted you to see how the comfort of all depends on each doing her share faithfully. While Hannah and I did your work, you got on pretty well, though I don't think you were very happy or amiable. So I though, as a little lesson, I would show you what happens when everyone thinks only of herself. Don't you feel that it is pleasanter to help one another, to have daily duties which make leisure sweet when it comes, and to bear and forbear, that home may be comfortable and lovely to us all?" "We do, Mother, we do!" cried the girls. "Then let me advise you to take up your little burdens again, for though they seem heavy sometimes, they are good for us, and lighten as we learn to carry them. Work is wholesome, and there is plenty for everyone. It keeps us from ennui and mischief, is good for health and spirits, and gives us a sense of power and independence better than money or fashion.

Fifteen years ago, a business manager from the United States came to Plum Village to visit me. His conscience was troubled because he was the head of a firm that designed atomic bombs. I listened as he expressed his concerns. I knew if I advised him to quit his job, another person would only replace him. If he were to quit, he might help himself, but he would not help his company, society, or country. I urged him to remain the director of his firm, to bring mindfulness into his daily work, and to use his position to communicate his concerns and doubts about the production of atomic bombs. In the Sutra on Happiness, the Buddha says it is great fortune to have an occupation that allows us to be happy, to help others, and to generate compassion and understanding in this world. Those in the helping professions have occupations that give them this wonderful opportunity. Yet many social workers, physicians, and therapists work in a way that does not cultivate their compassion, instead doing their job only to earn money. If the bomb designer practises and does his work with mindfulness, his job can still nourish his compassion and in some way allow him to help others. He can still influence his government and fellow citizens by bringing greater awareness to the situation. He can give the whole nation an opportunity to question the necessity of bomb production. Many people who are wealthy, powerful, and important in business, politics, and entertainment are not happy. They are seeking empty things - wealth, fame, power, sex - and in the process they are destroying themselves and those around them. In Plum Village, we have organised retreats for businesspeople. We see that they have many problems and suffer just as others do, sometimes even more. We see that their wealth allows them to live in comfortable conditions, yet they still suffer a great deal. Some businesspeople, even those who have persuaded themselves that their work is very important, feel empty in their occupation. They provide employment to many people in their factories, newspapers, insurance firms, and supermarket chains, yet their financial success is an empty happiness because it is not motivated by understanding or compassion. Caught up in their small world of profit and loss, they are unaware of the suffering and poverty in the world. When we are not int ouch with this larger reality, we will lack the compassion we need to nourish and guide us to happiness. Once you begin to realise your interconnectedness with others, your interbeing, you begin to see how your actions affect you and all other life. You begin to question your way of living, to look with new eyes at the quality of your relationships and the way you work. You begin to see, 'I have to earn a living, yes, but I want to earn a living mindfully. I want to try to select a vocation not harmful to others and to the natural world, one that does not misuse resources.' Entire companies can also adopt this way of thinking. Companies have the right to pursue economic growth, but not at the expense of other life. They should respect the life and integrity of people, animals, plants and minerals. Do not invest your time or money in companies that deprive others of their lives, that operate in a way that exploits people or animals, and destroys nature. Businesspeople who visit Plum Village often find that getting in touch with the suffering of others and cultivating understanding brings them happiness. They practise like Anathapindika, a successful businessman who lived at the time of the Buddha, who with the practise of mindfulness throughout his life did everything he could to help the poor and sick people in his homeland.

You need a formal business reinvention process. Put it in your calendar. Every three months, take your most trusted advisers, employees, backers, and even customers and get away from the phones for a little while. Start from scratch. “If we were starting over—no office, no employees, no customers—would we choose to be where we are today?” If the answer isnʼt, yes, then itʼs time to take a hard look at the path you took and the impact it has had on your business.

Under the leadership of Henry Kissinger, first as Richard Nixon’s national security adviser and later as secretary of state, the United States sent an unequivocal signal to the most extreme rightist forces that democracy could be sacrificed in the cause of ideological warfare. Criminal operational tactics, including assassination, were not only acceptable but supported with weapons and money. A CIA internal memo laid it out in unsparing terms:        On September 16, 1970 [CIA] Director [Richard] Helms informed a group of senior agency officers that on September 15, President Nixon had decided that an Allende regime was not acceptable to the United States. The President asked the Agency to prevent Allende from coming to power or to unseat him and authorized up to $10 million for this purpose. . . . A special task force was established to carry out this mandate, and preliminary plans were discussed with Dr. Kissinger on 18 September 1970.

What is called storing money is a way of using wealth. The uncertainty of the future makes it seem advisable to hold a larger or smaller part of one's possessions in a form that will facilitate a change from one way of using wealth to another, or transition from the ownership of one good to that of another, in order to preserve the opportunity of being able without difficulty to satisfy urgent demands that may possibly arise in the future for goods that will have to be obtained by way of exchange.

For this boy destined to be the world’s greatest heir, money was so omnipresent as to be invisible—something “there, like air or food or any other element,” he later said—yet it was never easily attainable.11 As if he were a poor, rural boy, he earned pocket change by mending vases and broken fountain pens or by sharpening pencils. Aware of the rich children spoiled by their parents, Senior seized every opportunity to teach his son the value of money. Once, while Rockefeller was being shaved at Forest Hill, Junior entered with a plan to give away his Sunday-school money in one lump sum, for a fixed period, and be done with it. “Let’s figure it out first,” Rockefeller advised and made Junior run through calculations that showed he would lose eleven cents interest while the Sunday school gained nothing in return. Afterward, Rockefeller told his barber, “I don’t care about the boy giving his money in that way. I want him to give it. But I also want him to learn the lesson of being careful of the little things.

Undoubtedly well-meaning billionaires do it too. For example, an American software billionaire called Bill Gates has apparently donated $10 billion to create new vaccines. If Gates wants to do some good with his money he would surely be better advised to spend it on providing roads, clean water and reliable food supplies for the many oppressed countries where these things are desperately needed. Or he could spend some of his money campaigning against the selfish, imperialist and wicked policies of the American Government

wondered how old she was. When she first sat down I’d thought she was in her midthirties, closer to my age, but her smile, and the spray of faded freckles across the bridge of her nose made her look younger. Twenty-eight maybe. My wife’s age. “And I work, of course, when I fly,” I added. “What do you do?” I gave her the short story version, how I funded and advised Internet start-up companies. I didn’t tell her how I’d made most of my money—by selling those companies off as soon as they looked promising. And I didn’t tell her that I never really needed to work again

He glanced down at her, keeping his expression carefully impassive. “I hate to leave you.” There was a gently mocking edge to his tone. “You need someone to follow you around and keep you safe from mishaps. On the other hand, you also need someone to find a beekeeper.” Realizing he was not going to talk about Leo, Amelia followed his lead. “Will you do that for us? I would consider it a great favor.” “Of course. Although…” His eyes held a wicked glitter. “As I mentioned before, I can’t keep doing favors for you with no reward. A man needs incentive.” “If … if you want money, I’ll be glad to—” “God, no.” Rohan was laughing now. “I don’t want money.” Reaching out, he smoothed back her hair, letting the heel of his hand graze the edge of her cheekbone. The brush of his skin was light and erotic, causing her to swallow hard. “Goodbye, Miss Hathaway. I’ll see myself out.” He flashed a smile at her and advised, “Stay away from the windows.” On the way down the stairs, Rohan passed Merripen, who was ascending at a measured pace. Merripen’s face darkened at the sight of the visitor. “What are you doing here?” “It seems I’m helping with pest eradication.” “Then you can begin by leaving,” Merripen growled. Rohan only grinned nonchalantly, and continued on his way.

We’re too focused on the short-term. Experts keep advising us to save and invest, so we can retire in 20 or 30 years. And yet we remain almost exclusively focused on the here and now. Is there a new toy we’re hankering to buy? To persuade us to postpone the purchase for a mere 12 months, somebody would likely have to offer us a huge financial incentive. We are also overly influenced by recent events, including the latest political news, the current crop of economic data, and whether the financial markets have lately been rising or falling. We ascribe great importance to the days and weeks ahead, and not nearly enough to next year, let alone the next 10 years.

For years, the suspicion that Mr. Putin has a secret fortune has intrigued scholars, industry analysts, opposition figures, journalists and intelligence agencies but defied their efforts to uncover it. Numbers are thrown around suggesting that Mr. Putin may control $40 billion or even $70 billion, in theory making him the richest head of state in world history. For all the rumors and speculation, though, there has been little if any hard evidence, and Gunvor has adamantly denied any financial ties to Mr. Putin and repeated that denial on Friday. But Mr. Obama’s response to the Ukraine crisis, while derided by critics as slow and weak, has reinvigorated a 15-year global hunt for Mr. Putin’s hidden wealth. Now, as the Obama administration prepares to announce another round of sanctions as early as Monday targeting Russians it considers part of Mr. Putin’s financial circle, it is sending a not-very-subtle message that it thinks it knows where the Russian leader has his money, and that he could ultimately be targeted directly or indirectly. “It’s something that could be done that would send a very clear signal of taking the gloves off and not just dance around it,” said Juan C. Zarate, a White House counterterrorism adviser to President George W. Bush who helped pioneer the government’s modern financial campaign techniques to choke off terrorist money.

Funniest part of life “We judge others, not knowing our own mistakes. We advise others, not knowing we also need to follow. We gossip about others, not knowing others do gossip about us. We nag comparing others, not knowing we are far better than others. We say we are unlucky, not knowing how much lucky we are in terms of many things. We say no time, not knowing how much time we waste in reality. We say no money, not knowing how much is spent on unnecessary things. We don’t respect elders when we are young, not knowing we too get old. In life there are ‘known knowns”, ‘known unknowns’, ‘unknown unknowns’, but there are ‘knowingly unknowns’ which is the funniest part of life.

That’s why one of my strongest ideas is to look at the tax code in both its complexity and its obvious bias toward the rich. Hedge fund and money managers are important for our pension funds and the 401(k) plans that help millions of Americans—but far less important than they think. But financial advisers should pay taxes at the highest levels when they’re earning money at those levels. Often, these financial engineers are “flipping” companies, laying people off, and making billions—yes, billions—of dollars by “downsizing” and destroying people’s lives and sometimes entire companies. Believe me, I know the value of a billion dollars—but I also know the importance of a single dollar.

Mook had chosen not to spend money on polling, to the great frustration of some of the campaign’s aides and advisers in key states. In Florida, Craig Smith, the former White House political director, and Scott Arceneaux, a veteran southern Democratic political operative, had begged Mook to poll the state in October to no avail. Mook believed it was a waste of money. He had learned from David Plouffe, Obama’s campaign manager, that old-school polling should be used for testing messages and gauging the sentiments of the electorate and that analytics were just as good for tracking which candidate was ahead and by how much in each state. Plus, the analytics were quicker and much cheaper.

When Adolf Hitler heard of the Japanese attack on Pearl Harbor, he slapped his hands together in glee and exclaimed, “Now it is impossible to lose the war. We now have an ally, Japan, who has never been vanquished in three thousand years.” Germany and Japan were threatening the world with massive land armies. But Hitler and Hirohito had never taken the measure of the man in the White House. A former assistant secretary of the navy, Franklin D. Roosevelt had his own ideas about the shape and size of the military juggernaut he would wield. FDR’s military experts told him that only huge American ground forces could meet the threat. But Roosevelt turned aside their requests to conscript tens of millions of Americans to fight a traditional war. The Dutchman would have no part in the mass WWI-type carnage of American boys on European or Asian killing fields. Billy Mitchell was gone, but Roosevelt remembered his words. Now, as Japan and Germany invested in yesterday, FDR invested in tomorrow. He slashed his military planners’ dreams of a vast 35-million-man force by more than half. He shrunk the dollars available for battle in the first and second dimensions and put his money on the third. When the commander in chief called for the production of four thousand airplanes per month, his advisers wondered if he meant per year. After all, the U.S. had produced only eight hundred airplanes just two years earlier. FDR was quick to correct them. The

The only good thing for men therefore is to be diverted from thinking of what they are, either by some occupation which takes their mind off it, or by some novel and agreeable passion which keeps them busy, like gambling, hunting, some absorbing show, in short by what is called diversion. That is why gaming and feminine society, war and high office are so popular. It is not that they really bring happiness, nor that anyone imagines that true bliss comes from possessing the money to be won at gaming or the hare that is hunted: no one would take it as a gift. What people want is not the easy peaceful life that allows us to think of our unhappy condition, nor the dangers of war, nor the burdens of office, but the agitation that takes our mind off it and diverts us. That is why we prefer the hunt to the capture. That is why men are so fond of hustle and bustle; that is why prison is such a fearful punishment; that is why the pleasures of solitude are so incomprehensible. That, in fact, is the main joy of being a king, because people are continually trying to divert him and stop him thinking about himself, because, king though he is, he becomes unhappy as soon as he thinks about himself. That is all that men have been able to devise for attaining happiness; those who philosophize about it, holding that people are quite unreasonable to spend all day chasing a hare that they would not have wanted to buy, have little knowledge of our nature. The hare itself would not save us from thinking about death and the miseries distracting us, but hunting it does so. Thus when Pyrrhus was advised to take the rest towards which he was so strenuously striving, he found it very hard to do so.

Phid. In what then, pray, shall I obey you? Strep. Reform your habits as quickly as possible, and go and learn what I advise. Phid. Tell me now, what do you prescribe? Strep. And will you obey me at all? Phid. By Bacchus, I will obey you. Strep. Look this way then! Do you see this little door and little house? Phid. I see it. What then, pray, is this, father? Strep. This is a thinking-shop of wise spirits. There dwell men who in speaking of the heavens persuade people that it is an oven, and that it encompasses us, and that we are the embers. These men teach, if one give them money, to conquer in speaking, right or wrong. Phid. Who are they? Strep. I do not know the name accurately. They are minute philosophers, noble and excellent. Phid. Bah! They are rogues; I know them. You mean the quacks, the pale-faced wretches, the bare-footed fellows, of whose numbers are the miserable Socrates and Chaerephon. Strep. Hold! Hold! Be silent! Do not say anything foolish. But, if you have any concern for your father's patrimony, become one of them, having given up your horsemanship. Phid. I would not, by Bacchus, even if you were to give me the pheasants which Leogoras rears! Strep. Go, I entreat you, dearest of men, go and be taught. Phid. Why, what shall I learn? Strep. They say that among them are both the two causes—the better cause, whichever that is, and the worse: they say that the one of these two causes, the worse, prevails, though it speaks on the unjust side. If, therefore you learn for me this unjust cause, I would not pay any one, not even an obolus of these debts, which I owe at present on your account. Phid. I can not comply; for I should not dare to look upon the knights, having lost all my colour.

As tensions built in the increasingly calamitous debt ceiling stalemate, two sources say, Boehner traveled to New York to personally beseech David Koch’s help. One former adviser to the Koch family says that “Boehner begged David to ‘call off the dogs!’ He pointed out that if the country defaulted, David’s own investments would tank.” A spokeswoman for Boehner, Emily Schillinger, confirmed the visit but insisted, “Anyone who knows Speaker Boehner knows he doesn’t ‘beg.’ ” But the spectacle of the Speaker of the House, who was among the most powerful elected officials in the country, third in line in the order of presidential succession, traveling to the Manhattan office of a billionaire businessman to ask for his help in an internecine congressional fight captures just how far the Republican Party’s fulcrum of power had shifted toward the outside donors by 2011.

In her book The Government-Citizen Disconnect, the political scientist Suzanne Mettler reports that 96 percent of American adults have relied on a major government program at some point in their lives. Rich, middle-class, and poor families depend on different kinds of programs, but the average rich and middle-class family draws on the same number of government benefits as the average poor family. Student loans look like they were issued from a bank, but the only reason banks hand out money to eighteen-year-olds with no jobs, no credit, and no collateral is because the federal government guarantees the loans and pays half their interest. Financial advisers at Edward Jones or Prudential can help you sign up for 529 college savings plans, but those plans' generous tax benefits will cost the federal government an estimated $28.5 billion between 2017 and 2026. For most Americans under the age of sixty-five, health insurance appears to come from their jobs, but supporting this arrangement is one of the single largest tax breaks issued by the federal government, one that exempts the cost of employer-sponsored health insurance from taxable incomes. In 2022, this benefit is estimated to have cost the government $316 billion for those under sixty-five. By 2032, its price tag is projected to exceed $6oo billion. Almost half of all Americans receive government-subsidized health benefits through their employers, and over a third are enrolled in government-subsidized retirement benefits. These participation rates, driven primarily by rich and middle-class Americans, far exceed those of even the largest programs directed at low income families, such as food stamps (14 percent of Americans) and the Earned Income Tax Credit (19 percent). Altogether, the United States spent $1.8 trillion on tax breaks in 2021. That amount exceeded total spending on law enforcement, education, housing, healthcare, diplomacy, and everything else that makes up our discretionary budget. Roughly half the benefits of the thirteen largest individual tax breaks accrue to the richest families, those with incomes that put them in the top 20 percent. The top I percent of income earners take home more than all middle-class families and double that of families in the bottom 20 percent. I can't tell you how many times someone has informed me that we should reduce military spending and redirect the savings to the poor. When this suggestion is made in a public venue, it always garners applause. I've met far fewer people who have suggested we boost aid to the poor by reducing tax breaks that mostly benefit the upper class, even though we spend over twice as much on them as on the military and national defense.

Rich, middle-class, and poor families depend on different kinds of programs, but the average rich and middle-class family draws on the same number of government benefits as the average poor family. Student loans look like they were issued from a bank, but the only reason banks hand out money to eighteen-year-olds with no jobs, no credit, and no collateral is because the federal government guarantees the loans and pays half their interest. Financial advisers at Edward Jones or Prudential can help you sign up for 529 college savings plans, but those plans’ generous tax benefits will cost the federal government an estimated $28.5 billion between 2017 and 2026. For most Americans under the age of sixty-five, health insurance appears to come from their jobs, but supporting this arrangement is one of the single largest tax breaks issued by the federal government, one that exempts the cost of employer-sponsored health insurance from taxable incomes.

A 2011 study done by Alan Krueger, a Princeton economics professor who served for two years as the chairman of President Obama’s Council of Economic Advisers, and Stacy Dale, an analyst with Mathematica Policy Research, tried to adjust for that sort of thing. Krueger and Dale examined sets of students who had started college in 1976 and in 1989; that way, they could get a sense of incomes both earlier and later in careers. And they determined that the graduates of more selective colleges could expect earnings 7 percent greater than graduates of less selective colleges, even if the graduates in that latter group had SAT scores and high school GPAs identical to those of their peers at more exclusive institutions. But then Krueger and Dale made their adjustment. They looked specifically at graduates of less selective colleges who had applied to more exclusive ones even though they hadn’t gone there. And they discovered that the difference in earnings pretty much disappeared. Someone with a given SAT score who had gone to Penn State but had also applied to the University of Pennsylvania, an Ivy League school with a much lower acceptance rate, generally made the same amount of money later on as someone with an equivalent SAT score who was an alumnus of UPenn. It was a fascinating conclusion, suggesting that at a certain level of intelligence and competence, what drives earnings isn’t the luster of the diploma but the type of person in possession of it. If he or she came from a background and a mindset that made an elite institution seem desirable and within reach, then he or she was more likely to have the tools and temperament for a high income down the road, whether an elite institution ultimately came into play or not. This was powerfully reflected in a related determination that Krueger and Dale made in their 2011 study: “The average SAT score of schools that rejected a student is more than twice as strong a predictor of the student’s subsequent earnings as the average SAT score of the school the student attended.

Köster had bought the car, a top-heavy old bus, at an auction for next to nothing. Connoisseurs who saw it at the time pronounced it without hesitation an interesting specimen for a transport museum. Bollwies, wholesale manufacturer of ladies’ ready-made dresses and incidentally a speedway enthusiast, advised Otto to convert it into a sewing machine. But Köster was not to be discouraged. He took down the car as if it had been a watch, and worked on it night after night for months. Then one evening he turned up in it outside the bar which we usually frequented. Bollwies nearly fell over with laughing when he saw it, it still looked so funny. For a bit of fun he challenged Otto to a race. He offered two hundred marks to twenty if Köster would take him on in his new sports car—course ten kilometres, Otto to have a kilometre start. Otto took up the bet. But Otto went one better. He refused the handicap and raised the odds to even money, a thousand marks each way. Bollwies, delighted, offered to drive him to a mental home immediately.

MASSOUD DISPATCHED his foreign policy adviser, Abdullah, to Washington in August. Their Northern Alliance lobbyist, Otilie English, scratched together a few appointments on Capitol Hill. It was difficult to get anyone’s attention. They had to compete with Pakistan’s well-heeled, high-paid professional lobbyists and advocates, such as the former congressman Charlie Wilson, who had raised so much money for Pakistan’s government in Congress during the anti-Soviet jihad. Abdullah and English tried to link their lobbying effort with Hamid Karzai and his brother, Qayum, to show that Massoud was fighting the Taliban with multiethnic allies. But the members they met with could barely manage politeness. Guns or financial aid were out of the question. Some barely knew who Osama bin Laden was. With the Democrats they tried to press the issue of women’s rights in Afghanistan, but even that seemed to be a dying cause now that the Clintons were gone. Both Massoud’s group and the Karzais were “so disappointed, so demoralized” after a week of meetings on the Hill and at the State Department, Karzai’s lobbyist recalled.37

One of Socrates' greatest and most enduring legacies, one for which he ultimately gave his life, was to fundamentally transform the meaning of 'Know yourself' by turning it inward. In other words, when Socrates advised his fellow Athenians --- the aristocrats, more often than not --- to examine their lives, to 'know themselves,' he was exhorting them to give far less time and attention to external circumstances like social status and wealth and to give much more time and attention to the things that matter most: internal goals, like wisdom, truth, and ethical character. As Socrates himself expressed the point in defense of his teachings: 'I will not cease from philosophy...and from exhorting you, and declaring the truth to every one of you I meet..."are you not embarassed by caring for money ...and fame and reputation, and not caring or taking thought for wisdom and truth and for your soul, and how to make it as good as possible?' I go about doing nothing else but urging you, young and old alike, not to care for your bodies or for money sooner than, or as much as, for you soul, and how to make it as good as you can.

You might think about me a bit & whether you could bear the idea of marrying me. Of course you haven’t got to decide, but think about it. I can’t advise you in my favour because I think it would be beastly for you, but think how nice it would be for me. I am restless & moody & misanthropic & lazy & have no money except what I earn and if I got ill you would starve. In fact it’s a lousy proposition. On the other hand I think I could reform & become quite strict about not getting drunk and I am pretty sure I should be faithful. ... I have always tried to be nice to you and you may have got it into your head that I am nice really, but that is all rot. It is only to you & for you. I am jealous & impatient – but there is no point in going into a whole list of my vices. You are a critical girl and I’ve no doubt that you know them all and a great many I don’t know myself. But the point I wanted to make is that if you marry most people, you are marrying a great number of objects & other people as well, well, if you marry me there is nothing else involved, and that is an advantage as well as a disadvantage. ... Eight days from now I shall be with you again, darling heart. I don’t think of much else. All my love, Evelyn

Anne Sexton, who died forty-two years ago today, did her best to respond to the legions of fans who wrote to her. The letter below, from August 1965, finds her dispensing unvarnished advice to an aspiring poet from Amherst. Read more of her correspondence in Anne Sexton: A Self-Portrait in Letters. Your letter was very interesting, hard to define, making it hard on me somehow to set limits for you, advise or help in any real way. First of all let me tell you that I find your poems fascinating, terribly uneven … precious perhaps, flashes of brilliance … but the terrible lack of control, a bad use of rhyme and faults that I feel sure you will learn not to make in time. I am not a prophet but I think you will make it if you learn to revise, if you take your time, if you work your guts out on one poem for four months instead of just letting the miracle (as you must feel it) flow from the pen and then just leave it with the excuse that you are undisciplined. Hell! I’m undisciplined too, in everything but my work … Everyone in the world seems to be writing poems … but only a few climb into the sky. What you sent shows you COULD climb there if you pounded it into your head that you must work and rework these uncut diamonds of yours. If this is impossible for you my guess is that you will never really make it … As for madness … hell! Most poets are mad. It doesn’t qualify us for anything. Madness is a waste of time. It creates nothing. Even though I’m often crazy, and I am and I know it, still I fight it because I know how sterile, how futile, how bleak … nothing grows from it and you, meanwhile, only grow into it like a snail. Advice … Stop writing letters to the top poets in America. It is a terrible presumption on your part. I never in my life would have the gall (sp?) to write Randall Jarrell out of the blue that way and all my life I have wanted to do so. It’s out of line … it isn’t done. I mean they get dozens of fan letters a day that they have no time to respond to and I’m sure dozens of poems. Meanwhile, these poets (fans of whatever) should be contacting other young poets on their way—not those who have made it, who sit on a star and then have plenty of problems, usually no money, usually the fear their own writing is going down the sink hole … make contact with others such as you. They are just as lonely, just as ready, and will help you far more than the distant Big Name Poet … I’m not being rejecting, Jon, I’m being realistic.

Holding a precious book meant to Mendel what an assignment with a woman might to another man. These moments were his platonic nights of love. Books had power over him; money never did. Great collectors, including the founder of a collection in Princeton University Library, tried in vain to recruit him as an adviser and buyer for their libraries—Jakob Mendel declined; no one could imagine him anywhere but in the Café Gluck. Thirty-three years ago, when his beard was still soft and black and he had ringlets over his forehead, he had come from the east to Vienna, a crook-backed lad, to study for the rabbinate, but he had soon abandoned Jehovah the harsh One God to give himself up to idolatry in the form of the brilliant, thousand-fold polytheism of books. That was when he had first found his way to the Café Gluck, and gradually it became his workplace, his headquarters, his post office, his world. Like an astronomer alone in his observatory, studying myriads of stars every night through the tiny round lens of the telescope, observing their mysterious courses, their wandering multitude as they are extinguished and then appear again, so Jakob Mendel looked through his glasses out from that rectangular table into the other universe of books, also eternally circling and being reborn in that world above our own.

The nudge movement spawned by Thaler and Sunstein has been spectacularly successful around the globe. A 2017 review in the Economist described how policy makers were beginning to embrace insights from behavioral science: In 2009 Barack Obama appointed Mr Sunstein as head of the White House’s Office of Information and Regulatory Affairs. The following year Mr Thaler advised Britain’s government when it established BIT, which quickly became known as the “nudge unit”. If BIT did not save the government at least ten times its running cost (£500,000 a year), it was to be shut down after two years. Not only did BIT stay open, saving about 20 times its running cost, but it marked the start of a global trend. Now many governments are turning to nudges to save money and do better. In 2014 the White House opened the Social and Behavioural Sciences Team. A report that year by Mark Whitehead of Aberystwyth University counted 51 countries in which “centrally directed policy initiatives” were influenced by behavioural sciences. Nonprofit organisations such as Ideas42, set up in 2008 at Harvard University, help run dozens of nudge-style trials and programmes around the world. In 2015 the World Bank set up a group that is now applying behavioural sciences in 52 poor countries. The UN is turning to nudging to help hit the “sustainable development goals”, a list of targets it has set for 2030.32

What is it like to be made vice-president? On one level, it's a nearly hallucinatory degree of success. I was barely forty years old, and a shaky, sixty-three-year-old heartbeat from the leadership of the entire Western world. It was also like throwing up in convention-hall bathrooms before giving speeches, and after. It was sitting through dinners with men and women with whom I had nothing in common. Spending an enormous amount of time on trains. Promising thins and agreeing to things as advised by people I had barely met, on very little sleep. Huge sums of money were changing hands and everything happening on the grandest scale imaginable while still in most moments remaining pointless and usually outright seedy. I pretended to learn to fly-fish; I watched sporting events. In Maine I was assaulted by a lobster; it seized my lapel in a threatening manner. I tasted local foods and admired factories,farms, department stores, hotels, and (unless I'm misremembering) several empty plots of land.... It was like being given what was almost the nation's highest honor by a man you held in infinite esteem and regarded with perhaps a certain amount of terrified suspicion, a man who disliked you and clearly wanted nothing to do with you, who would scowl and change the subject at the mention of your name. And then being given a very important and very nasty job by that person, and despised for it, almost as much as you despised yourself.

But there was a lacuna in Nehru’s concept of science: he saw it exclusively in terms of laboratory science, not field science; physics and molecular biology, not ecology, botany, or agronomy. He understood that India’s farmers were poor in part because they were unproductive—they harvested much less grain per acre than farmers elsewhere in the world. But unlike Borlaug, Nehru and his ministers believed that the poor harvests were due not to lack of technology—artificial fertilizer, irrigated water, and high-yield seeds—but to social factors like inefficient management, misallocation of land, lack of education, rigid application of the caste system, and financial speculation (large property owners were supposedly hoarding their wheat and rice until they could get better prices). This was not crazy: more than one out of five families in rural India owned no land at all, and about two out of five owned less than 2.5 acres, not enough land to feed themselves. Meanwhile, a tiny proportion of absentee landowners controlled huge swathes of terrain. The solution to rural poverty, Nehru therefore believed, was less new technology than new policies: give land from big landowners to ordinary farmers, free the latter from the burdens of caste, and then gather the liberated smallholders into more-efficient, technician-advised cooperatives. This set of ideas had the side benefit of fitting nicely into Nehru’s industrial policy: enacting them would cost next to nothing, reserving more money for building factories.

When Robert Livingston, one of the American plenipotentiaries, asked the French negotiators precisely where the Purchase territories extended north-westwards, since very few Europeans, let alone cartographers, had ever set foot there, he was told that they included whatever France had bought off Spain in 1800, but beyond that they simply didn’t know. ‘If an obscurity did not already exist,’ Napoleon advised, ‘it would perhaps be a good policy to put one there.’98 The deal was done after nearly three weeks of tough haggling in Paris with Livingston and his fellow negotiator James Monroe, all conducted against the backdrop of the deteriorating situation over Amiens, and was concluded only days before the resumption of war. The financing was arranged via the Anglo-Dutch merchant banks Barings Brothers and Hopes, which in effect bought Louisiana from France and sold it on to the United States for $11.25 million of 6 per cent American bonds, meaning that the American government did not have to provide the capital immediately.99 As a result, Barings were paying Napoleon 2 million francs a month even when Britain was at war with France. When the prime minister, Henry Addington, asked the bank to cease the remittances Barings agreed, but Hopes, based on the continent, continued to pay and were backed by Barings – so Napoleon got his money and Barings and Hopes made nearly $3 million from the deal. ‘We have lived long,’ said Livingston when the deal was concluded, ‘but this is the noblest work of our whole lives. The treaty which we have just signed has not been obtained by art or dictated by force; equally advantageous to the two contracting parties, it will change vast solitudes into flourishing districts. From this day the United States take their place among the powers of first rank.

When examining the history of any human network, it is therefore advisable to stop from time to time and look at things from the perspective of some real entity. How do you know if an entity is real? Very simple – just ask yourself, ‘Can it suffer?’ When people burn down the temple of Zeus, Zeus doesn’t suffer. When the euro loses its value, the euro doesn’t suffer. When a bank goes bankrupt, the bank doesn’t suffer. When a country suffers a defeat in war, the country doesn’t really suffer. It’s just a metaphor. In contrast, when a soldier is wounded in battle, he really does suffer. When a famished peasant has nothing to eat, she suffers. When a cow is separated from her newborn calf, she suffers. This is reality. Of course suffering might well be caused by our belief in fictions. For example, belief in national and religious myths might cause the outbreak of war, in which millions lose their homes, their limbs and even their lives. The cause of war is fictional, but the suffering is 100 per cent real. This is exactly why we should strive to distinguish fiction from reality. Fiction isn’t bad. It is vital. Without commonly accepted stories about things like money, states or corporations, no complex human society can function. We can’t play football unless everyone believes in the same made-up rules, and we can’t enjoy the benefits of markets and courts without similar make-believe stories. But the stories are just tools. They should not become our goals or our yardsticks. When we forget that they are mere fiction, we lose touch with reality. Then we begin entire wars ‘to make a lot of money for the corporation’ or ‘to protect the national interest’. Corporations, money and nations exist only in our imagination. We invented them to serve us; how come we find ourselves sacrificing our lives in their service?

Professor Joseph Stiglitz, former Chief Economist of the World Bank, and former Chairman of President Clinton's Council of Economic Advisers, goes public over the World Bank’s, “Four Step Strategy,” which is designed to enslave nations to the bankers. I summarise this below, 1. Privatisation. This is actually where national leaders are offered 10% commissions to their secret Swiss bank accounts in exchange for them trimming a few billion dollars off the sale price of national assets. Bribery and corruption, pure and simple. 2. Capital Market Liberalization. This is the repealing any laws that taxes money going over its borders. Stiglitz calls this the, “hot money,” cycle. Initially cash comes in from abroad to speculate in real estate and currency, then when the economy in that country starts to look promising, this outside wealth is pulled straight out again, causing the economy to collapse. The nation then requires International Monetary Fund (IMF) help and the IMF provides it under the pretext that they raise interest rates anywhere from 30% to 80%. This happened in Indonesia and Brazil, also in other Asian and Latin American nations. These higher interest rates consequently impoverish a country, demolishing property values, savaging industrial production and draining national treasuries. 3. Market Based Pricing. This is where the prices of food, water and domestic gas are raised which predictably leads to social unrest in the respective nation, now more commonly referred to as, “IMF Riots.” These riots cause the flight of capital and government bankruptcies. This benefits the foreign corporations as the nations remaining assets can be purchased at rock bottom prices. 4. Free Trade. This is where international corporations burst into Asia, Latin America and Africa, whilst at the same time Europe and America barricade their own markets against third world agriculture. They also impose extortionate tariffs which these countries have to pay for branded pharmaceuticals, causing soaring rates in death and disease.

MY OWN BUSINESS . . . M. O. B. MOB assumes the right of every individual to possess his inner space, to do what interests him with people he wants to see. In some areas this right was more respected a hundred years ago than it is in the permissive society. 'Which is it this time, Holmes? Cocaine or morphine?' asks a disapproving Watson. But Holmes won’t have fink hounds sniffing through his Baker Street digs. If he accepts an American assignment 8 narks won’t beat his door in with sledge hammers, rush in waving their guns “WHATZAT YOU’RE SMOKING?” jerk the pipe out of his mouth and strip him naked. We will make the MOB stand on criminals and crim­inal communes clear. A criminal is someone who commits crimes against property and crimes against persons. We feel that criminals are not minding their own business. Someone who steals your typewriter, starts barroom fights, kicks an old bum to death, is not minding his own business at all. The Thuggees of India, the Mafia, the Ku Klux Klan are examples of criminal communes. Strangling someone and stealing his money, throwing acid in his face, lynching beating and burn­ ing people to death is not minding one’s own business. On one side we have MOBS dedicated to minding their own business without interference. On the other side we have the enemies of MOB dedicated to interference. Equipped with new techniques of computerized thought control the enemies of MOB could inflict a permanent defeat. MOB want to know just where everybody stands. Wouldn’t advise you to try sitting on that fence. It’s electric. Your enemies then are the enemies of MOB. You can do more to destroy these enemies with tape recorders and video cameras than you can with machine guns. Video tape puts any number of machine guns into your hands. However, it is difficult to convince a revolutionary that this weapon is actually more potent than gelignite or guns. What do revolu­tionaries want? Vengeance, or a real change? Both perhaps. It is difficult for those who have suffered outrageous brutal­ity and oppression to forget about vengeance, which is why I postulated the wholesome catharsis of MA, the Mass Assassination of enemy word and image. And this brings us to a basic question that every revolutionary must ask himself. Can I live without enemies? Can any human being live without enemies? No human being has ever done so yet. If the present revolutionary movement is to amount to more than a change of management, presenting the same old good-guy, bad-guy movie, a basic change of conscious­ ness must take place.

See especially academia, which has effectively become a hope labor industrial complex. Within that system, tenured professors—ostensibly proof positive that you can, indeed, think about your subject of choice for the rest of your life, complete with job security, if you just work hard enough—encourage their most motivated students to apply for grad school. The grad schools depend on money from full-pay students and/or cheap labor from those students, so they accept far more master’s students than there are spots in PhD programs, and far more PhD students than there are tenure-track positions. Through it all, grad students are told that work will, in essence, save them: If they publish more, if they go to more conferences to present their work, if they get a book contract before graduating, their chances on the job market will go up. For a very limited few, this proves true. But it is no guarantee—and with ever-diminished funding for public universities, many students take on the costs of conference travel themselves (often through student loans), scrambling to make ends meet over the summer while they apply for the already-scarce number of academic jobs available, many of them in remote locations, with little promise of long-term stability. Some academics exhaust their hope labor supply during grad school. For others, it takes years on the market, often while adjuncting for little pay in demeaning and demanding work conditions, before the dream starts to splinter. But the system itself is set up to feed itself as long as possible. Most humanities PhD programs still offer little or nothing in terms of training for jobs outside of academia, creating a sort of mandatory tunnel from grad school to tenure-track aspirant. In the humanities, especially, to obtain a PhD—to become a doctor in your field of knowledge—is to adopt the refrain “I don’t have any marketable skills.” Many academics have no choice but to keep teaching—the only thing they feel equipped to do—even without fair pay or job security. Academic institutions are incentivized to keep adjuncts “doing what they love”—but there’s additional pressure from peers and mentors who’ve become deeply invested in the continued viability of the institution. Many senior academics with little experience of the realities of the contemporary market explicitly and implicitly advise their students that the only good job is a tenure-track academic job. When I failed to get an academic job in 2011, I felt soft but unsubtle dismay from various professors upon telling them that I had chosen to take a high school teaching job to make ends meet. It

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As their uncle, Earl Spencer, says their characters are very different from the public image. “The press have always written up William as the terror and Harry as a rather quiet second son. In fact William is a very self-possessed, intelligent and mature boy and quite shy. He is quite formal and stiff, sounding older than his years when he answers the phone.” It is Harry who is the mischievous imp of the family. Harry’s puckish character manifested itself to his uncle during the return flight from Necker, the Caribbean island owned by Virgin airline boss Richard Branson. He recalls: “Harry was presented with his breakfast. He had his headphones on and a computer game in front of him but he was determined to eat his croissant. It took him about five minutes to manoeuvre all his electronic gear, his knife, his croissant and his butter. When he eventually managed to get a mouthful there was a look of such complete satisfaction on his face. It was a really wonderful moment.” His godparent Carolyn Bartholomew says, without an ounce of prejudice, that Harry is “the most affectionate, demonstrative and huggable little boy” while William is very much like his mother, “intuitive, switched on and highly perceptive.” At first she thought the future king was a “little terror.” “He was naughty and had tantrums,” she recalls. “But when I had my two children I realized that they are all like that at some point. In fact William is kind-hearted, very much like Diana. He would give you his last Rolo sweet. In fact he did on one occasion. He was longing for this sweet, he only had one left and he gave it to me.” Further evidence of his generous heart occurred when he gathered together all his pocket money, which only amounted to a few pence, and solemnly handed it over to her. But he is no angel as Carolyn saw when she visited Highgrove. Diana had just finished a swim in the open air pool and had changed into a white toweling dressing gown as she waited for William to follow her. Instead he splashed about as though he were drowning and slowly sank to the bottom. His mother, not knowing whether it was a fake or not, struggled to get out of her robe. Then, realizing the urgency, she dived in still in her dressing gown. At that moment he resurfaced, shouting and laughing at the success of his ruse. Diana was not amused. Generally William is a youngster who displays qualities of responsibility and thoughtfulness beyond his years and enjoys a close rapport with his younger brother whom friends believe will make an admirable adviser behind the scenes when William eventually becomes king. Diana feels that it is a sign that in some way they will share the burdens of monarchy in the years to come. Her approach is conditioned by her firmly held belief that she will never become queen and that her husband will never become King Charles III.

I was getting my knife sharpened at the cutlery shop in the mall,” he said. It was where he originally bought the knife. The store had a policy of keeping your purchase razor sharp, so he occasionally brought it back in for a free sharpening. “Anyway, it was that day that I met this Asian male. He was alone and really nice looking, so I struck up a conversation with him. Well, I offered him fifty bucks to come home with me and let me take some photos. I told him that there was liquor at my place and indicated that I was sexually attracted to him. He was eager and cooperative so we took the bus to my apartment. Once there, I gave him some money and he posed for several photos. I offered him the rum and Coke Halcion-laced solution and he drank it down quickly. We continued to drink until he passed out, and then I made love to him for the rest of the afternoon and early evening. I must have fallen asleep, because when I woke up it was late. I checked on the guy. He was out cold, still breathing heavily from the Halcion. I was out of beer and walked around the corner for another six-pack but after I got to the tavern, I started drinking and before I knew it, it was closing time. I grabbed my six-pack and began walking home. As I neared my apartment, I noted a lot of commotion, people milling about, police officers, and a fire engine. I decided to see what was going on, so I came closer. I was surprised to see they were all standing around the Asian guy from my apartment. He was standing there naked, speaking in some kind of Asian dialect. At first, I panicked and kept walking, but I could see that he was so messed up on the Halcion and booze that he didn’t know who or where he was. “I don’t really know why, Pat, but I strode into the middle of everyone and announced he was my lover. I said that we lived together at Oxford and had been drinking heavily all day, and added that this was not the first time he left the apartment naked while intoxicated. I explained that I had gone out to buy some more beer and showed them the six-pack. I asked them to give him a break and let me take him back home. The firemen seemed to buy the story and drove off, but the police began to ask more questions and insisted that I take them to my apartment to discuss the matter further. I was nervous but felt confident; besides, I had no other choice. One cop took him by the arm and he followed, almost zombie-like. “I led them to my apartment and once inside, I showed them the photos I had taken, and his clothes neatly folded on the arm of my couch. The cops kept trying to question the guy but he was still talking gibberish and could not answer any of their questions, so I told them his name was Chuck Moung and gave them a phony date of birth. I handed them my identification and they wrote everything down in their little notebooks. They seemed perturbed and talked about writing us some tickets for disorderly conduct or something. One of them said they should take us both in for all the trouble we had given them. “As they were discussing what to do, another call came over their radio. It must have been important because they decided to give us a warning and advised me to keep my drunken partner inside. I was relieved. I had fooled the authorities and it gave me a tremendous feeling. I felt powerful, in control, almost invincible. After the officers left, I gave the guy another Halcion-filled drink and he soon passed out. I was still nervous about the narrow escape with the cops, so I strangled him and disposed of his body.

The funniest part of life is: “We judge others, not knowing our own mistakes; We advise others, not knowing we also need to follow; We gossip about others, not knowing others do gossip about us; We think negative comparing with others, not knowing we are far better than others; We say we are unlucky, not knowing how much lucky we are in terms of many things; We say no time, not knowing how much time we waste in reality; We say no money, not knowing how much is spent on unnecessary things; We don’t respect elders when we are young, not knowing we too get old; In life there are ‘known knowns”, ‘known unknowns’, unknown unknowns’, but there are ‘knowingly unknowns’ which is the funniest part of life.

Put together two stock market forecasts - one predicting that prices will rise next month and one warning of a drop. Send the first mail to fifty thousand people and the second mail to a different set of fifty thousand. Suppose that after one month, the indices have fallen. Now you can send another mail, but this time only to the fifty thousand who received the correct prediction. This fifty thousand you divide into two groups: the first half learns prices will increase next month, and the second half discovers they will fall. Continue doing this. After ten months, around a hundred people will remain, all of whom you have advised impeccably. From their perspective, you are a genius. You have proven that you are truly in possession of prophetic powers. Some of these people will trust you with their money. Take it and start a new life in Brazil.

Ivanka Trump joined the show that year to promote the property, playing the role of Trump’s “adviser”—the same amorphous role she now plays in the White House. She pledged to work with that season’s winner, Sean Yazbeck, to manage it.15 But as noted in chapter 2, Trump SoHo appears in significant respects to have been a money-laundering scheme posing as a real estate property. Trump

Let us turn now to a study of a small Newfoundland fishing village. Fishing is, in England at any rate – more hazardous even than mining. Cat Harbour, a community in Newfoundland, is very complex. Its social relationships occur in terms of a densely elaborate series of interrelated conceptual universes one important consequence of which is that virtually all permanent members of the community are kin, ‘cunny kin’, or economic associates of all other of the 285 permanent members. The primary activity of the community is cod fishing. Salmon, lobster, and squid provide additional sources of revenue. Woodcutting is necessary in off-seasons. Domestic gardening, and stints in lumber camps when money is needed, are the two other profitable activities. The community's religion is reactionary. Women assume the main roles in the operation though not the government of the churches in the town. A complicated system of ‘jinking’ – curses, magic, and witchcraft – governs and modulates social relationships. Successful cod fishing in the area depends upon highly developed skills of navigation, knowledge of fish movements, and familiarity with local nautical conditions. Lore is passed down by word of mouth, and literacy among older fishermen is not universal by any means. ‘Stranger’ males cannot easily assume dominant positions in the fishing systems and may only hire on for salary or percentage. Because women in the community are not paid for their labour, there has been a pattern of female migration out of the area. Significantly, two thirds of the wives in the community are from outside the area. This has a predictable effect on the community's concept of ‘the feminine’. An elaborate anti-female symbolism is woven into the fabric of male communal life, e.g. strong boats are male and older leaky ones are female. Women ‘are regarded as polluting “on the water” and the more traditional men would not consider going out if a woman had set foot in the boat that day – they are “jinker” (i.e., a jinx), even unwittingly'. (It is not only relatively unsophisticated workers such as those fishermen who insist on sexual purity. The very skilled technicians drilling for natural gas in the North Sea affirm the same taboo: women are not permitted on their drilling platform rigs.) It would be, however, a rare Cat Harbour woman who would consider such an act, for they are aware of their structural position in the outport society and the cognition surrounding their sex….Cat Harbour is a male-dominated society….Only men can normally inherit property, or smoke or drink, and the increasingly frequent breach of this by women is the source of much gossip (and not a negligible amount of conflict and resentment). Men are seated first at meals and eat together – women and children eating afterwards. Men are given the choicest and largest portions, and sit at the same table with a ‘stranger’ or guest. Women work extremely demanding and long hours, ‘especially during the fishing season, for not only do they have to fix up to 5 to 6 meals each day for the fishermen, but do all their household chores, mind the children and help “put away fish”. They seldom have time to visit extensively, usually only a few minutes to and from the shop or Post Office….Men on the other hand, spend each evening arguing, gossiping, and “telling cuffers”, in the shop, and have numerous “blows” (i.e., breaks) during the day.’ Pre-adolescents are separated on sexual lines. Boys play exclusively male games and identify strongly with fathers or older brothers. Girls perform light women's work, though Faris indicates '. . . often openly aspire to be male and do male things. By this time they can clearly see the privileged position of the Cat Harbour male….’. Girls are advised not to marry a fisherman, and are encouraged to leave the community if they wish to avoid a hard life. Boys are told it is better to leave Cat Harbour than become fishermen....

Whenever I see everyone rushing to bet their money on what’s hot, I remind myself of Bernard Baruch, the Wall Street legend and adviser to U.S. presidents. During the stock-market craze of the late 1920s, Baruch stopped for a shoeshine one day and the guy working on his shoes began giving him stock tips. His shoes looking fine, Baruch headed back to the office—and sold everything. I had my own Bernard Baruch moment in mid-1998 as most people were transfixed by the astonishing and continued rise of a group of glamour tech stocks.

I wanted to get the story from Nick personally; so Ray Stone set up an interview for a Sunday afternoon in October 2007. Before the day came, Ray advised that if I wanted to talk to Nick, who had Lou Gehrig’s Disease, before he died, I had better telephone him, which I did, at once, on October 7. He confirmed the story and identified “Virginia” as CIA Headquarters in Langley. He also told me about a UFO landing near Winnipeg, Manitoba, that had not been publicized. A few days later he passed to his reward.

Larry Kudlow, the president’s chief economic adviser, had been questioning the seriousness of the situation. He couldn’t square the apocalyptic forecasts with the bouyant stock market. “Is all the money dumb?” he wondered. “Everyone’s asleep at the switch? I just have a hard time believing that.”*

Overall, US equity investments increased four or five times on average (before taxes, investment adviser fees, and other costs), and Berkshire Hathaway advanced from $12,000 to almost $150,000, fell to $75,000 during the crisis, then rose above $200,000 per share in 2016. When the crisis of 2008 struck, equities lost half their value before rebounding. As tax receipts shriveled, the massive deficits of the US government were echoed at state and local levels. The safety of municipal bonds no longer seemed so assured. However, although they would have done better in equities, they still had enough money and, feeling safe, didn’t worry as they would have done watching the ups and downs in the value of a stock portfolio.

The Fed was established and signed into law by President Woodrow Wilson in 1913. (His wife, Edith Wilson, who was also the first woman to hold a driver’s license in Washington, D.C., probably played an outsized role. When Woodrow collapsed from a stroke in 1919, Edith Wilson took the helm of the ship, making decisions on behalf of the president and serving as his filter and access control point. She reviewed documents, worked with advisers, and went to meetings, acting as a pseudopresident in the day-to-day operations of the country. So it might seem as though it was just another group of dudes deciding the fate of the future, but perhaps the story is more complicated than that.)

You shouldn’t worry about the little people,” Benny advised. “There aren’t that many of them, and their life expectancy is often not good. Besides, they never have a lot of money unless they play elves and hobbits in hit movies.

LEGAL DISCLAIMER Please be advised that any resemblance between the characters portrayed in this book and actual persons, living or deceased, is purely coincidental. However, if they happen to owe the author a lot of money and have made multiple attempts on his life, then the resemblance is not coincidental at all. The author does not condone any form of violence, despite having saved multiple times, multiple lives from those who tried to end his.

The phrase “unscrupulous money changers” has been a damnable ethnic slur used against Jewish people since at least the twelfth century.43 And given the significance of his first inaugural address, Roosevelt and his advisers knew this when they inserted the phrase twice in his speech.

He was my ticket into the Alabama gold mine, reeking with corruption but also overflowing with riches. It was yet another of the worst-kept secrets of college football, how massive the corruption was in Alabama. Not only were players taking money from boosters and financial advisers and agents, but they were doing so in many instances with the blessing of the university and the football program.

By the early 1990s it had some $9 billion.26 And so, under the watch of chief financial officer Henri B. Meier, Roche set about putting its cash pile in an array of investments that had nothing to do with pharmaceuticals. That was how, in 1994, thanks to an introduction by Marc Rich’s financial adviser Heinz Pauli, the pharmaceutical company came to Strothotte’s rescue. Unlike Ebner, Roche had no interest in how the company was run – it just wanted to make money. Strothotte agreed to sell 15% of the company’s shares for about $150 million, with a promise to buy them back at a later date and a guarantee that Roche would receive a certain return on its investment.

Investment firms are buying up more vacation homes, aiming to cash in on growing demand from tourists and remote workers. Most vacation rental homes are owned by small-time owners who list their properties on websites such as Airbnb Inc., but the number of financial firms investing in the sector is growing. New York-based investment firm Saluda Grade is launching a venture with short-term- rental operator AvantStay Inc. to buy about $500 million of homes, the companies said Tuesday. Saluda Grade said it is also looking to raise debt by selling mortgage bonds backed by its homes to investors, the first vacation-rental mortgage securitization, according to the company. Andes STR, a startup that buys and manages short-term rental homes on behalf of investors, also recently signed a deal with Chilean investment firm WEG Capital to buy roughly $80 million of properties in the U.S., Andes said. These investors are betting they can get higher returns if they rent out homes by the night instead of by the year. Low-interest rates have made it more attractive to borrow and Buy Traditional Rental Homes, inflating property prices and making it harder for new buyers to turn a profit. That has prompted some institutions and wealthy families to look in more obscure corners of the property market where competition is smaller, investment advisers say. Some are turning to investments in vacation homes, where demand has surged in many places during the pandemic as more people choose to work from remote locations and leisure travel heated up last year. “There’s a lot more yield available in the short-term market,” said Saluda Grade’s chief executive, Ryan Craft. It is the latest sign of how the pandemic is changing the way people work and live, and how real-estate investors are angling to find new ways to profit from these shifts. Saluda Grade is targeting homes within driving distance of major population centers, Mr. Craft said. His company will buy the homes and AvantStay will manage them for a fee. But while vacation-rental homes can offer higher returns, they also pose challenges to investors. Mortgages are usually more expensive and harder to get for short-term rentals than for owner-occupied homes, said Giri Devanur, CEO of reAlpha Tech Corp., a startup that wants to pool money from small-time investors to buy short-term-rental homes.

You must realize that not all insomniacs are afflicted with the same blights, and what cures one man is another man’s poison. What about the bed you are floundering around in? Do you use a soft mattress, an orthopedic one, or do you sleep on the springs like the Hindus? Many physicians recommend sleeping on the floor if you arrive home late at night half crocked or, in medical terms, “with a bun on.” I, on the other hand, advise you to forget the doctors, and advise you to sleep on the floor when sober. It has many things to recommend it. To begin with, you eliminate the cost of a bed. The money saved here can then be used for getting drunk again. Moreover, if you sleep on the floor there is no danger of falling—unless you happen to be sleeping near an open manhole.

If you find it hard to imagine stepping outside yourself, try an exercise anyone can relate to. Before concluding that an investment decision is right for you, ask whether you’d be comfortable advising your mother to do the same thing. If you would tell her not to do it, then why should you do it? I call this the WWMD question (What Would Mom Do?).

We do our children an enormous favour when we are able to fail in front of them, unambiguously and with a measure of calming commentary; if we can take them aside and share with them our actual circumstances: that we have been passed over for promotion, that we have stupidly lost some money in an ill-advised scheme, that we’re finding it difficult to control our appetites or our temper

Six critical questions to ask your Guy 1. How are you paid? Fee-only advisers receive no compensation from the sale of investment products. All others do. You can’t count on an adviser who gets a significant portion of their pay in sales commissions. Period. Leave if they are not fee-only. 2. Do you have any conflicts of interest that influence the advice you provide? Financial advisers who are registered representatives get paid to sell insurance or annuity products promoted by their brokers. Ask how they choose the investments they recommend. Ask them directly how they are paid. 3. Will my assets be housed with an independent custodian—that is, a bank that is not selling the investment products? “Yes” is the only acceptable answer here.

Bernie Madoff’s firm did not use an independent custodian. Enough said. 4. Are your clients similar to me? If your adviser’s typical client is worth $1 million or more, and you aren’t rich, think twice. Your adviser may lean toward advice more suited to his or her richest clients. 5. What services do you provide? If the adviser’s primary service is investment advice, and you want a complete financial plan, this adviser is unlikely to be a good match. 6. Do you act in a fiduciary capacity toward your clients? Leave fast if the adviser doesn’t say yes.

So, why is it important to be respectful and build strong relationships with your family, specifically your siblings, parents, and grandparents? Well, for one thing, your family members can be your biggest supporters in life. Your parents and grandparents have more life experience than you do. They can offer valuable advice and guidance as you navigate life. They can help you through tricky times, advise you when necessary, and celebrate your successes with you. Another reason building solid relationships with your family members is essential is that it can help you learn necessary life skills. For example, if you have a good relationship with your parents, they can teach you about managing money, navigating the job market, and dealing with difficult people. If you have a solid relationship with your siblings, they can teach you about sharing, cooperation,

The most primitive tribes of Australia and Africa, like the Eskimos of today, have not yet reached finger-counting, nor do they have numbers in series. Instead they have a binary system of independent numbers for one and two, with composite numbers up to six. After six, they perceive only “heap.” Lacking the sense of series, they will scarcely notice when two pins have been removed from a row of seven. They become aware at once, however, if one pin is missing. Tobias Dantzig, who investigated these matters, points out (in Number: The Language of Science) that the parity or kinesthetic sense of these people is stronger than their number sense. It is certainly an indication of a developing visual stress in a culture when number appears. A closely integrated tribal culture will not easily yield to the separatist visual and individualistic pressures that lead to the division of labor, and then to such accelerated forms as writing and money. On the other hand, Western man, were he determined to cling to the fragmented and individualist ways that he has derived from the printed word in particular, would be well advised to scrap all his electric technology since the telegraph.

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