“
...there are four rules for miraculous work creation: Be positive. Send love. Have fun. Kick ass.
Amen.
”
”
Marianne Williamson (The Law of Divine Compensation: On Work, Money, and Miracles)
“
Dear God,
I give this time of quiet to You.
Please dissolve my thoughts of stress and fear
And deliver me to the inner place
Where all is peace and love.
Amen.
”
”
Marianne Williamson (The Law of Divine Compensation: On Work, Money, and Miracles)
“
On Generosity
On our own, we conclude:
there is not enough to go around
we are going to run short
of money
of love
of grades
of publications
of sex
of beer
of members
of years
of life
we should seize the day
seize our goods
seize our neighbours goods
because there is not enough to go around
and in the midst of our perceived deficit
you come
you come giving bread in the wilderness
you come giving children at the 11th hour
you come giving homes to exiles
you come giving futures to the shut down
you come giving easter joy to the dead
you come – fleshed in Jesus.
and we watch while
the blind receive their sight
the lame walk
the lepers are cleansed
the deaf hear
the dead are raised
the poor dance and sing
we watch
and we take food we did not grow and
life we did not invent and
future that is gift and gift and gift and
families and neighbours who sustain us
when we did not deserve it.
It dawns on us – late rather than soon-
that you “give food in due season
you open your hand
and satisfy the desire of every living thing.”
By your giving, break our cycles of imagined scarcity
override our presumed deficits
quiet our anxieties of lack
transform our perceptual field to see
the abundance………mercy upon mercy
blessing upon blessing.
Sink your generosity deep into our lives
that your muchness may expose our false lack
that endlessly receiving we may endlessly give
so that the world may be made Easter new,
without greedy lack, but only wonder,
without coercive need but only love,
without destructive greed but only praise
without aggression and invasiveness….
all things Easter new…..
all around us, toward us and
by us
all things Easter new.
Finish your creation, in wonder, love and praise. Amen.
”
”
Walter Brueggemann
“
His specialty was alfalfa, and he made a good thing out of not growing any. The government paid him well for every bushel of alfalfa he did not grow. The more alfalfa he did not grow, the more money the government gave him, and he spent every penny he didn't earn on new land to increase the amount of alfalfa he did not produce. Major Major's father worked without rest at not growing alfalfa. On long winter evenings he remained indoors and did not mend harness, and he sprang out of bed at the crack of noon every day just to make certain that the chores would not be done. He invested in land wisely and soon was not growing more alfalfa than any other man in the county. Neighbours sought him out for advice on all subjects, for he had made much money and was therefore wise. “As ye sow, so shall ye reap,” he counselled one and all, and everyone said “Amen.
”
”
Joseph Heller (Catch-22)
“
Major Major's father was a sober God-fearing man whose idea of a good joke was to lie about his age. He was a long-limbed farmer, a God-fearing, freedom-loving, law-abiding rugged individualist who held that federal aid to anyone but farmers was creeping socialism. He advocated thrift and hard work and disapproved of loose women who turned him down. His specialty was alfalfa, and he made a good thing out of not growing any. The government paid him well for every bushel of alfalfa he did not grow. The more alfalfa he did not grow, the more money the government gave him, and he spent every penny he didn't earn on new land to increase the amount of alfalfa he did not produce. Major Major's father worked without rest at not growing alfalfa. On long winter evenings he remained indoors and did not mend harness, and he sprang out of bed at the crack of noon every day just to make certain that the chores would not be done. He invested in land wisely and soon was not growing more alfalfa than any other man in the county. Neighbors sought him out for advice on all subjects, for he had made much money and was therefore wise. “As ye sow, so shall ye reap,” he counseled one and all, and everyone said, “Amen.
”
”
Joseph Heller (Catch-22)
“
You can have all the money in the world, one of the biggest mansions ever built, be one of the most famous people in the world, and still be as unhappy as Mariah Carey was. Money and fame don't make people happy. Only God does. Amen.
”
”
Lisa Bedrick (Life Stories)
“
What more can I say: born beneath light bulbs, interrupted my growth at the age of three, was given a drum, sangshattered glass, smelled vanilla, coughed in churches, stuffed Luzie with food, watched ants as they crawled, decided to grow, buried the drum, moved to the West, lost what was East, learned to carve stone and posed as a model, went back to my drum and inspected concrete, made money and cared for the finger, gave the finger away and fled as I laughed, ascended, arrested, convicted, confined, now soon to be freed, and today is my birthday, I’m thirty years old, and still as afraid of the Black Cook as ever—Amen.
”
”
Günter Grass (The Tin Drum)
“
Help us, our Father, to show other nations an America to imitate—not the America of loud jazz music, self-seeking indulgence, and love of money, but the America that loves fair play, honest dealing, straight talk, real freedom, and faith in God. Make us to see that it cannot be done as long as we are content to be coupon clippers on the original investment made by our forefathers. Give us faith in God and love for our fellow men, that we may have something to deposit on which the young people of today can draw interest tomorrow. By Thy grace, let us this day increase the moral capital of this country. Amen.
”
”
Catherine Marshall (A Man Called Peter)
“
Wait,' Momma says.
I peek out with one eye, Daddy does too. Momma never, ever interrupts prayer.
'Uh, baby,' says Daddy, 'I was just finishing up.'
'I have something to add. Lord, bless my mom, and thank you that she went into her retirement fund and gave us the money for the down payment. Help us turn the basement into a suite so she can stay here sometimes.'
'No, Lord,' Daddy says.
'Yes, Lord,' says Momma.
'No, Lord.'
'Yes.'
'No, amen!
”
”
Angie Thomas (The Hate U Give (The Hate U Give, #1))
“
Dear God, let me not be held hostage by money or material things. Let me know the freeness of a life lived for you. Amen.
”
”
Joshua DuBois (The President's Devotional: The Daily Readings That Inspired President Obama)
“
ECONOMIC RULES OF THE DYSFUNCTIONAL MEDICAL MARKET More treatment is always better. Default to the most expensive option. A lifetime of treatment is preferable to a cure. Amenities and marketing matter more than good care. As technologies age, prices can rise rather than fall. There is no free choice. Patients are stuck. And they’re stuck buying American. More competitors vying for business doesn’t mean better prices; it can drive prices up, not down. Economies of scale don’t translate to lower prices. With their market power, big providers can simply demand more. There is no such thing as a fixed price for a procedure or test. And the uninsured pay the highest prices of all. There are no standards for billing. There’s money to be made in billing for anything and everything. Prices will rise to whatever the market will bear.
”
”
Elisabeth Rosenthal (An American Sickness: How Healthcare Became Big Business and How You Can Take It Back)
“
Fortunately, our colleges and universities are fully cognizant of the problems I have been delineating and take concerted action to address them. Curricula are designed to give coherence to the educational experience and to challenge students to develop a strong degree of moral awareness. Professors, deeply involved with the enterprise of undergraduate instruction, are committed to their students' intellectual growth and insist on maintaining the highest standards of academic rigor. Career services keep themselves informed about the broad range of postgraduate options and make a point of steering students away from conventional choices. A policy of noncooperation with U.S. News has taken hold, depriving the magazine of the data requisite to calculate its rankings. Rather than squandering money on luxurious amenities and exorbitant administrative salaries, schools have rededicated themselves to their core missions of teaching and the liberal arts.
I'm kidding, of course.
”
”
William Deresiewicz (Excellent Sheep: The Miseducation of the American Elite and the Way to a Meaningful Life)
“
In Biblical times, there were two different kinds of currency. One was shekels, which means weights,. The other coin was a zuz, which comes from the earth’s circular movement and had nothing to do with the value of gold or silver. It had its own inherent value to it. The word “amen” was inscribed in the zuz, which is an acronym in Hebrew for the phrase “El Melech Neeman,” meaning “the sovereign is trustworthy” and is an organizational copy of the statement “In God We Trust” that is found on our U.S. money.
”
”
Celso Cukierkorn
“
I understand that it’s disheartening to pour effort and money into a work of art and find that others do not value it with the same intensity. I’ve been to this rodeo more than a few times, and yes, it’s painful and hard on the soul. It is also the sort of thing that grown-ups do every day. Anyone deluded enough to think they are owed monetary success because they bled for their art is in for some hard, hard knocks and buckets full of tears. There will be many cries of “unfair” and much jealousy and hatred. And to be fair, all authors go through this every time they watch their books ride the waves of bestseller charts and the ego torture chamber known as Goodreads reviews. Even the most well-adjusted of us watch that horrible piece of shit book beat our baby to pieces and gnash our teeth and shout at our monitors demanding to know what brain-donors are shopping on amazon.com these days.
But holy Smart Bitch on a cracker, Batman, to write a post about how stupid readers are and worse to actually put it out there on the internet is so beyond the pale there’s a special hell for that kind of idiocy. Let me repeat: authors exist at the pleasure of readers. Without the people who buy and read my books, I am just another dizzy broad writing shit down. Readers aren’t just an author’s audience; they are her lifeblood.
--
”
”
Heidi Cullinan
“
America is layered with the given graffiti, names of its generous dead. There isn’t a museum or hospital, a theater or municipal amenity, however humble, that can’t be blessed with the remembrance of the comfortably-off and defunct. The money left to Ivy League universities in America isn’t about the needs of learning.
”
”
A.A. Gill (To America with Love)
“
That acknowledged interdependence of all segments of Dutch society contrasts with current trends in the United States, where wealthy people increasingly seek to insulate themselves from the rest of society, aspire to create their own separate virtual polders, use their own money to buy services for themselves privately, and vote against taxes that would extend those amenities as public services to everyone else.
”
”
Jared Diamond (Collapse: How Societies Choose to Fail or Succeed)
“
With his eyes shut tight he said: “Oh, God, we have asked Thee this morning to bring comfort to those who have lost a husband, a father, a son, especially our sister in the Lord Mrs. Evans, and we pray that the bereaved will open their hearts to receive Thy benison.” This had been said by others. Billy paused, then went on: “And now, Lord, we ask for one more gift: the blessing of understanding. We need to know, Lord, why this explosion have took place down the pit. All things are in Thy power, so why didst Thou allow firedamp to fill the Main Level, and why didst Thou permit it to catch alight? How come, Lord, that men are set over us, directors of Celtic Minerals, who in their greed for money become careless of the lives of Thy people? How can the deaths of good men, and the mangling of the bodies Thou didst create, serve Thy holy purpose?” He paused again. He knew it was wrong to make demands of God, as if negotiating with the management, so he added: “We know that the suffering of the people of Aberowen must play a part in Thy eternal plan.” He thought he should probably leave it there, but he could not refrain from adding: “But, Lord, we can’t see how, so please explain it to us.” He finished: “In the name of the Lord Jesus Christ.” The congregation said: “Amen.
”
”
Ken Follett (Fall of Giants (The Century Trilogy #1))
“
The Pretender"
I'm going to rent myself a house
In the shade of the freeway
I'm going to pack my lunch in the morning
And go to work each day
And when the evening rolls around
I'll go on home and lay my body down
And when the morning light comes streaming in
I'll get up and do it again
Amen
Say it again
Amen
I want to know what became of the changes
We waited for love to bring
Were they only the fitful dreams
Of some greater awakening
I've been aware of the time going by
They say in the end it's the wink of an eye
And when the morning light comes streaming in
You'll get up and do it again
Amen
Caught between the longing for love
And the struggle for the legal tender
Where the sirens sing and the church bells ring
And the junk man pounds his fender
Where the veterans dream of the fight
Fast asleep at the traffic light
And the children solemnly wait
For the ice cream vendor
Out into the cool of the evening
Strolls the Pretender
He knows that all his hopes and dreams
Begin and end there
Ah the laughter of the lovers
As they run through the night
Leaving nothing for the others
But to choose off and fight
And tear at the world with all their might
While the ships bearing their dreams
Sail out of sight
I'm going to find myself a girl
Who can show me what laughter means
And we'll fill in the missing colors
In each other's paint-by-number dreams
And then we'll put our dark glasses on
And we'll make love until our strength is gone
And when the morning light comes streaming in
We'll get up and do it again
Get it up again
I'm going to be a happy idiot
And struggle for the legal tender
Where the ads take aim and lay their claim
To the heart and the soul of the spender
And believe in whatever may lie
In those things that money can buy
Though true love could have been a contender
Are you there?
Say a prayer for the Pretender
Who started out so young and strong
Only to surrender
Jackson Browne, The Pretender (1976)
”
”
Jackson Browne (Jackson Browne -- The Pretender: Piano/Vocal/Chords (Jackson Browne Classic Songbook Collection))
“
The City, Netherton had heard Lowbeer say, explaining the "klept" to Flynne, had long been, and well prior to the jackpot, a unique species of semi-autonomous crypto-state, the single least democratic element of elected British government. It was this singular status, according to Lowbeer, that had allowed it to ride out the eventual collapse of democracy. That, and its core expertise in laundering money, had brought it into a mutually beneficial synergy with the émigré oligarch community, dominated by Russians, who had themselves first been attracted to London by the City’s meta-criminal financial arcana, plus the lavish culture of personal amenities for those requiring same.
”
”
William Gibson (Agency (Jackpot #2))
“
The wine would be copious, the conversation scintillating, and the amenities deluxe. How could he say no? The answer, as always: money, money, money. Lewis relayed the cost, all inclusive, and, though the amount was staggering (Less checked twice to be sure it was not in Moroccan dirhams), he was, as always, already too much in love. Bedouin music was already playing in his ears; camels were already grunting in the darkness; he was already standing up from embroidered pillows and walking out into the desert night, champagne in hand, to let the floury Sahara warm his toes as, above him, the Milky Way glowed with his birthday candles. For it was somewhere in the Sahara that Arthur Less would turn fifty. He swore he would not be alone. Memories of his fortieth, wandering the broad avenues of Las Vegas, still came to him in worser moments. He would not be alone.
”
”
Andrew Sean Greer (Less (Arthur Less, #1))
“
A common characteristic of forms of money throughout history is the presence of some mechanism to restrain the production of new units of the good to maintain the value of the existing units. The relative difficulty of producing new monetary units determines the hardness of money: money whose supply is hard to increase is known as hard money, while easy money is money whose supply is amenable to large increases. We can understand money's hardness through understanding two distinct quantities related to the supply of a good: (1) the stock, which is its existing supply, consisting of everything that has been produced in the past, minus everything that has been consumed or destroyed; and (2) the flow, which is the extra production that will be made in the next time period. The ratio between the stock and flow is a reliable indicator of a good's hardness as money, and how well it is suited to playing a monetary role.
”
”
Saifedean Ammous (The Bitcoin Standard: The Decentralized Alternative to Central Banking)
“
My father was a firm believer in raising his children according to his Christian faith as elucidated in Proverbs 22:6. Unfailingly at five every morning, my father would wake us children for devotion. "Get up. It's time to pray," he came calling. "I’m still very sleepy," I often complained. The prayers normally lasted about ten minutes and it had to be ten minutes of wakefulness, else we incurred the wrath of our father if he saw anyone sleeping. "Wake up, say 'Amen!'" he would yell. After that daily morning time for prayers, we were free to go about preparing for our day. He also taught us to say a simple prayer for him whenever he gave us money. “I pray God to bless you. May He replenish your pocket and may you be blessed by others. Amen.” We were also commanded to say the prayer to thank any other grownup who gifted us with money. The prayer became a magnet for monetary gifts because his friends were always excited to hear our little voices reciting the prayer dutifully. Some came to our house solely to be entertained by our family tradition of saying this particular prayer after being given money. They gave, we prayed, we were delighted and our piggy banks gained weight in coins.
”
”
Emmanuel Olawale (The Flavor of Favor: Quest for the American Dream)
“
Major Major’s father was a sober God-fearing man whose idea of a good joke was to lie about his age. He was a long-limbed farmer, a God-fearing, freedom-loving, law-abiding rugged individualist who held that federal aid to anyone but farmers was creeping socialism. He advocated thrift and hard work and disapproved of loose women who turned him down. His specialty was alfalfa, and he made a good thing out of not growing any. The government paid him well for every bushel of alfalfa he did not grow. The more alfalfa he did not grow, the more money the government gave him, and he spent every penny he didn’t earn on new land to increase the amount of alfalfa he did not produce. Major Major’s father worked without rest at not growing alfalfa. On long winter evenings he remained indoors and did not mend harness, and he sprang out of bed at the crack of noon every day just to make certain that the chores would not be done. He invested in land wisely and soon was not growing more alfalfa than any other man in the county. Neighbors sought him out for advice on all subjects, for he had made much money and was therefore wise. “As ye sow, so shall ye reap,” he counseled one and all, and everyone said, “Amen.
”
”
Joseph Heller (Catch-22)
“
Help your children grow and excel in the
gifts God has given them. Let them know you're on their team.
s a mom I want to leave a legacy that goes way beyond ordinary life skills such as cooking and cleaning. I want to teach values about caring for ourselves and others and shaping a godly atmosphere at home and in our lives.
The time you spend teaching your daughters the joys and responsibilities of womanhood will benefit generations to come. And we teach best by what we are, don't we? Not by what we say. And how we raise our sons demonstrates how they should treat the women they encounter: teachers, moms, their
wives, and daughters. My prayer is, "Lord, may Your love permeate my heart and life. May the gentle but strong spirit of being a woman of Yours add beauty and meaning to generations to come. Amen."
on't you love springtime? It's a time for planting, for growing, for awakening. There's no better place to be than your garden. My first garden was nothing more than a sweet potato in a jar. Remember those? And flowers! They're food to my soul. My mama would always pick a few to float in a bowl or gather in a jelly jar. And once in a while we'd splurge and spend precious money on daisies or carnations from a
”
”
Emilie Barnes (365 Things Every Woman Should Know)
“
O, Mary, conceived without sin, pray for us who turn to you. Amen.
.
When we meet someone and fall in love, we have a sense that the whole universe is on our side. I saw this happen today as the sun went down. And yet if something goes wrong, there is nothing left! No herons, no distant music, not even the taste of his lips. How is it possible for the beauty that was there only minutes before to vanish so quickly?
.
Life moves very fast. It rushes us from heaven to hell in a matter of seconds.
.
I smile and say nothing,
.
If I must be faithful to someone or something, then I have, first of all, to be faithful to myself.
.
Everything is an illusion - and that applies to material as well as spiritual things.
.
She had spent a lot of her life saying 'no' to things to which she would have liked to say 'yes',
.
My dear, it's better to be unhappy with a rich man than happy with a poor man, and over there you'll have far more chance of becoming an unhappy rich woman.
.
Love isn't that important. I didn't love your father at first, but money buys everything, even true love.
.
Hail Mary conceived without sin, pray for us who turn to you. Amen.
.
She would never find what she was looking for if she couldn't express herself.
.
At the moment, I'm far too lonely to think about love, but I have to believe that it will happen, that I will find a job and that I am here because I chose this fate.
.
Life always waits for some crisis to occur before revealing itself at its most brilliant.
.
A writer once said that it is not time that changes man, nor knowledge; the only thing that can change someone's mind is love. What nonsense! The person who wrote that clearly knew only one side of the coin. Love was undoubtedly one of the things capable of changing a person's whole life, from one moment to the next.
.
Again, she seemed like a stranger to herself.
.
I let fate choose which route I should take.
.
Some people were born to face life alone, and this is neither good nor bad, it is simply life.
.
I'm not a body with a soul, I'm a soul that has a visible part called the body.
.
She was doing it because she had nothing to lose, because her life was one of constant, day-to-day frustration.
.
Human beings can withstand a week without water, two weeks without food, many years of homelessness, but not loneliness. It is the worst of all tortures, the worst of all sufferings.
.
We are each of us responsible for our own feelings and cannot blame someone else for what we feel.
.
No one loses anyone, because no one owns anyone.
.
However tempted she was to continue, however prepared she was for the challenges she had met on her path, all these months living alone with herself had taught her that there is always a right moment to stop something.
.
He knew everything about her, although she knew nothing about him.
.
She had opened a door which she didn't know how to close.
.
Our experiences have been entirely different, but we are both desperate people.
.
Free yourself from something that cost your heart even more.
.
One moment, you have nothing, the next, you have more than you can cope with.
.
Does a soldier go to war in order to kill the enemy? No, he goes in order to die for his country.
.
What the eyes don't see, the heart doesn't grieve over.
.
Because we don't want to forget who we are - nor can we.
.
This was simply a place where people gathered to worship something they could not understand.
”
”
Paulo Coelho (Eleven Minutes)
“
Lord God, you deserve my best. Forgive me for the times I have offered you only the dregs, whether it be half-heartedly muttered prayers or only the money I know I can do without. Help me to remember that there is no better resting place for my heart and indeed all my possessions than with you. Help me to trust and obey you more each day. In your name I pray. Amen.
”
”
Richard J. Foster (Year with God: Living Out the Spiritual Disciplines)
“
The solar eclipse of Donald Trump signaled the complete triumph of celebrity culture over every aspect of American life. A reality TV star with a casino and a Twitter feed. An egomaniac to rule them all. The message and the medium had merged. The message was fame, and fame was money, money was power, and power was just more fame, for ever and ever, amen.
”
”
Joe Hagan (Sticky Fingers: The Life and Times of Jann Wenner and Rolling Stone Magazine)
“
Money can change your circumstances to a certain point, but money doesn’t help much once you have your basic needs met.
”
”
Daniel G. Amen (You, Happier: The 7 Neuroscience Secrets of Feeling Good Based on Your Brain Type)
“
The need for more makes many people unhappy because it can never be fully satisfied. Interestingly, a recent study about some very poor nations found that those citizens experienced happiness by being connected to their community and family and spending time in nature. For them, money played a minimal role in their subjective sense of well-being.[
”
”
Daniel G. Amen (You, Happier: The 7 Neuroscience Secrets of Feeling Good Based on Your Brain Type)
“
There used to be something a little more authentic about the lack of amenities,” he said. “That’s probably true.” “Now it feels more like the Cape or the Hamptons. Or other towns in Maine. I guess that’s the way it always happens. Visitors go to the Midcoast because they think they want something rustic and industrial—the way life should be and all that—but really what they want is rustic and industrial plus one good coffee shop, and if they’re staying for longer than a weekend, then they want all that plus two good coffee shops, because the first one gets boring after a while—” “It really does.” “I understand. But then the tourists also want a T-shirt shop that sells gifts to bring home for the in-laws, and then a designer boutique because they weren’t expecting it to get so cool at night and because they’ve talked themselves into spending more money than they’d budgeted for just because they’re on vacation and because it’d be nice to find a knit sweater that matches exactly with their notion of what a well-heeled mariner on the Maine coast might wear on exactly such an evening, and so the town tries to provide all these services until, before you know it, it’s made enough concessions, on behalf of convenience and some imagined version of the town that only exists in brochures—to eventually, not that anyone’s really noticed, because it takes place over years or decades—trade ‘authenticity’ for what feels more like an airbrushed portrait of itself. A caricature. Buildings shaped like factories but containing everything someone from out of town thinks they don’t want but do want, or thinks they do want but don’t want.
”
”
Adam White (The Midcoast)
“
LORD, This world is a broken, painful place for my son to navigate as he grows. He’ll experience physical illness and injuries. Trusted friends and family may betray his confidence. The dreams he holds for the future may crumble. Goals he works hard to achieve can end in failure. He may find himself lonely, broke, sick, or disappointed. As he looks for ways to relieve his pain or find distraction from his troubles, he may end up looking in all the wrong places. Keep my son from the trap of addiction as he seeks comfort in this world. The pleasures of food, alcohol, sex, entertainment, drugs, and money can offer a temporary diversion from the pain in his heart. But these same pleasures can become a trap that steals his freedom to live in your peace and righteousness. Don’t let my son’s heart become enslaved to anything or anyone but you. Let him find his greatest satisfaction in your presence. Give him discernment to identify temptations that come his way. May he have strength to “flee the evil desires of youth and pursue righteousness, faith, love and peace, along with those who call on the Lord out of a pure heart” (2 Tim. 2: 22). Surround my son with believers who will encourage him to walk in your ways. Give him humility to ask for help if he’s overtaken by any sin. Open my eyes to see any areas of bondage that are developing in his life. Show me the boundaries to set to guard him from temptations that may be too hard to resist. Show my son that you are his true comfort. You offer a future of perfect peace and love with you. Your plans for him are good and perfect. You are his one true, faithful friend. You are the source of everything he needs. You hold the answers to all of his questions. Let my son live in your freedom. Keep his eyes on you. May he offer his life fully to you and obey you with all his heart. Amen.
”
”
Rob Teigen (Powerful Prayers for Your Son: Praying for Every Part of His Life)
“
Demographics tells you who they are, psychographics tells you what they want. Knowing who the typical renter is and anticipating his needs in advance, and what amenities he will want (garages, covered parking, pools, in-unit washers and dryers, walk-in closets, proximity to highways, bus transportation) will also help you focus on the right kind of building for your market and dramatically reduce the likelihood of vacancies.
”
”
Bryan M. Chavis (Buy It, Rent It, Profit! (Updated Edition): Make Money as a Landlord in ANY Real Estate Market)
“
Dear Jesus, thank you for putting me in the way of a band of kind, somewhat degenerate men who’ll give me money to blow them. Amen.
”
”
Grace McGinty (The Daymakers)
“
Invest your money in Bradford Student Development an accommodation for student full of on site and local amenities. You can get 8-10% net profit.Fully flexibility regarding resale. Bradford Student Development the right choice for investment.
”
”
Various
“
We can’t afford to build places where people just park their bodies at night,” Burden said. “We can’t afford to spend a single transportation dollar that doesn’t increase land value rather than decrease it.” We should go back to building towns the way our great-grandparents did, he suggested. Most people today want to live in a community where they don’t have to drive long distances. They want to live near enough to the stores and jobs so they can walk, take a bus, or ride a bike wherever they need to go. If Muscatine wanted to stay competitive, retain existing businesses, attract new ones, and have money in the treasury for parks and other amenities, then the best thing residents could do would be to focus on making their town walkable and livable, Burden said. That meant adding sidewalks, improving crosswalks, replacing intersections with roundabouts in some places, and converting one-way streets to run in both directions. “One-way streets help move people faster,” Burden said. “But is that your goal? To empty out downtown?” You should be doing just the opposite, he argued. You want people to linger downtown and enjoy themselves. “Then, before you know it, your children won’t be moving off to other cities. Everything they want will be right here in your own community.
”
”
Dan Buettner (The Blue Zones Solution: Eating and Living Like the World's Healthiest People (Blue Zones, The))
“
In this next season of our lives, show us, Jesus, how to seek your kingdom first, above everything else. Rather than spending more money on ourselves, where would you have us invest our time, talent, and treasure; our energy, tears, and laughter? What new chapters of your story of redemption and restoration would you write through us? We pray with gratitude and anticipation, in your loving name. Amen.
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Scotty Smith (Everyday Prayers: 365 Days to a Gospel-Centered Faith)
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Her grandma Hilda was my grandma. I loved her dearly. After being married for 58 years, her husband died, and we all watched as she suffered. For ten years, Hilda cried herself to sleep at night. She was living on her own, proud and independent, but heart-achingly lonely, missing her life partner. We didn’t have the heart to put her in a home, yet with Hilda’s dementia worsening, Bonnie Pearl’s mom, Sharon, was determined to find her a home with the best possible care. We had heard that some retirement communities were pretty spectacular, and after weeks of looking, Sharon finally found a community that gave the Four Seasons a run for its money—this place is amazing. I always said I’d stay there, and I don’t say that about many places. So guess what happened to Grandmom after moving into her new digs? Forget that she traded up to a beautiful new apartment with modern amenities and 24-hour care. That was just the tip of the iceberg. More amazing than that, she began a second life! At 88 years old, she transformed into a new woman and fell in love again. A 92-year-old Italian captured her heart. (“I don’t let him under my shirt yet, but he tries all the time,” she said with a grin.) They had four beautiful years together before he passed away, and I kid you not, at his funeral, she met her next beau. Her last decade was filled with a quality of life she never could have envisioned. She found happiness, joy, love, and friendship again. It was an unexpected last chapter of her life and a reminder that love is the ultimate wealth. It can show up unexpected anytime, anywhere—and it is never too late.
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Anthony Robbins (MONEY Master the Game: 7 Simple Steps to Financial Freedom (Tony Robbins Financial Freedom))
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Chew like a Cow I meditate on your precepts and consider your ways. —PSALM 119:15 We want God’s time. But are we willing to give Him a portion of our day, our thoughts? Meditation takes effort, discipline, and the willingness to make space for God. We are in so much of a hurry that we just can’t seem to fit meditation into our busy schedules. Oh, most of us want an intimate relationship with the Lord, but are we ready to give of our time? After all…we are busy. We’ve got to make more money, buy bigger toys, and race our children from one activity to another. I get tired just thinking about all the activities, don’t you? Those activities and the scrambling we do to get from one to the next start to breed impatience. I’ve even heard people complain at a fast-food restaurant that they need to speed up the service! No wonder we aren’t able to meditate on God’s Word. We are in too much of a hurry. Contrast this idea of constantly hurrying with the idea given in today’s verse. It says we are to meditate on God’s precepts. To meditate means to dwell on a passage. Sort of like a cow chewing her cud. Why do cows spend so much time chewing their cud? Cows first fill their stomachs with grass and other food. Then they begin the long chew-and-rechew process. It seems painfully slow, but this process turns the food into rich, creamy milk. Time consuming? Yes. But it’s a must if you want good milk. That’s the way it is with us Christians. If we want to grow, we must slow down and meditate on God’s principles. We need to read His precious truths, then ponder their meaning and influence and wonder. Take comfort in knowing that there is rest and renewal for all of us when we meditate on God’s precepts. Prayer: Father God, thank You for giving me a quiet time so I can meditate on Your words. Your principles have given me such peace—for one thing, I’ve wanted to slow down. Amen. Action: Slow down—meditate. Chew on God’s Word and truths.
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Emilie Barnes (Walk with Me Today, Lord: Inspiring Devotions for Women)
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Bold Prayers Joshua prayed to the LORD in front of all the people of Israel. He said, “Let the sun stand still over Gibeon.” JOSHUA 10:12 NLT Do you pray conservatively or audaciously? Joshua prayed audaciously—and the sun stood still. Hannah prayed audaciously—and God granted her a son. Daniel prayed audaciously—and the lions’ mouths stayed closed all night. (Whew—what a relief to him!) Jesus prayed audaciously—and Lazarus rose from the dead. What about you? Have you dared to pray a bold prayer, or are you content to ask God for easy things? Jennie, her husband, and two boys decided to pray audaciously that God would help them adopt a little girl from Haiti. They had no extra money, and the fee to adopt came to over $15,000. Still, they felt led to start filling out the required paperwork and making plans. About the time they had hoped to complete the process, the family was still woefully short on funds. But out of the blue, a distant relative called Jennie and said that her great-uncle (whom the family had only met once) had died and left an inheritance to Jennie. The next week, Jennie nearly fainted when she opened a certified mail envelope—and a check for $14,500 fell out. Pray audaciously. You never know what God will do. God, thank You for answering mightily when we pray with bold faith. Amen.
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Anonymous (Daily Wisdom for Women - 2014: 2014 Devotional Collection)
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Climbing Mountains The LORD is my light and my salvation—whom shall I fear? The LORD is the stronghold of my life—of whom shall I be afraid? PSALM 27:1 NIV The Meteora in Greece is a complex of monastic structures high atop a mountain. Access to the structures was deliberately difficult. Some of these “hanging monasteries” were accessible only by baskets lowered by ropes and winches, and to take a trip there required a leap of faith. An old story associated with the monasteries said that the ropes were only replaced “when the Lord let them break.” While the vast majority of us will probably never scale the mountain to visit these monasteries, we often feel that we have many steep mountains of our own to climb. Maybe it’s too much month at the end of the money. Or, perhaps we are suffering with health or relationship troubles. Whatever the reason we are hurting, angry, or feeling despair or hopelessness, God is ready to help us, and we can place all our hope in He who is faithful. We can do that because we are connected to Him and have seen His faithfulness in the past. Lord, I will stay strong in You and will take courage. I can trust and rest in You. Whatever I am feeling now, whatever emotions I have, I give them to You, for You are my hope and salvation. You are good all the time, of which I can be supremely confident. Amen.
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Anonymous (Daily Wisdom for Women - 2014: 2014 Devotional Collection)
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Speaking of money, I can pay rent. I talked to the housing office yesterday, and they said I can use the funds allocated for the football house to pay you. I just need you to fill out a form.” I expect her to be happy about the news, but she frowns. “Maybe just give me half of that money and keep the rest.” “Why would I do that?” “Because like Billy said, this place is a mess, and you’re not getting any of the amenities you had at the football house.” Fucking Billy. “Think of it as both of us investing our money in something for the twins.” She thinks about that a moment. “Really?” “Yes, really.” Before I forget, I grab a notepad off the counter. “I’m going to get groceries later. Why don’t you jot down whatever you want me to get?” “I don’t need anything.” This woman is going to kill me. “What do you plan on eating this week?” She shrugs. “Ham and cheese on crackers. Some soup. Why?” “You need more than that. You’re gestating two babies, Magnolia. You can’t treat yourself like a starving college student.” “I just… I can’t pay you back right away.” Did I not just offer to pay her rent and she was trying to return half of it? She’s making me insane. “I don’t expect you to pay me anything. I want to get us groceries because we need them. I’m in training and burn a shit ton of calories. You’re pregnant and need to eat more than a damn Triscuit.” “Why are you raising your voice at me? I’m doing the best I can. Half the time I can’t eat anything because it comes right back up, so what’s the point? I’ll try to eat something later, okay?” She storms off and slams her bedroom door.
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Lex Martin (The Baby Blitz (Varsity Dads #3))
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Young couples with a growing family are often willing to bid more for housing, even if that means buying fewer consumer goods and services, in order to have enough money to pay for additional housing space. A couple who begin to have children may cut back on how often they go out to restaurants or to movies, or they may wait longer to buy new clothes or a new car, in order that each child may have his or her own bedroom. But, once the children are grown and gone, such sacrifices may no longer make sense, when additional other amenities can now be enjoyed by reducing the amount of housing space being rented.
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Thomas Sowell (Basic Economics)
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How do accountants measure the value of assets? For most fixed and long-term assets, such as land, buildings, and equipment, they begin with what you originally paid for the asset (historical cost) and reduce that value for the aging of the asset (depreciation or amortization). For short-term assets (current assets), including inventory (raw materials, works in progress, and finished goods), receivables (summarizing moneys owed to the firm), and cash, accountants are more amenable to the use of an updated or market value. If a company invests in the securities or assets of another company, the investment is valued at an updated market value if the investment is held for trading and historical cost when it is not. In the special case where the holding comprises more than 50 percent of the value of another company (subsidiary), the firm must record all of the subsidiary's assets and liabilities on its balance sheet (this is called consolidation), with a minority interest item capturing the percentage of the subsidiary that does not belong to it. Finally, you have what are loosely categorized as intangible assets. While you would normally consider items such as brand names, customer loyalty, and a well-trained work force as intangible assets, the most encountered intangible asset in accounting is goodwill. When a firm acquires another firm, the price it pays is first allocated to the existing assets of the acquired firm. Any excess paid becomes goodwill and is recorded as an asset.
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Aswath Damodaran (The Little Book of Valuation: How to Value a Company, Pick a Stock, and Profit (Little Books. Big Profits))
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In summation, there are four rules for miraculous work creation: Be positive. Send love. Have fun. Kick ass. Amen.
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Marianne Williamson (The Law of Divine Compensation: On Work, Money, and Miracles (The Marianne Williamson Series))
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Amen,’ I say, a second after everyone else. Now that I’m unemployed, I could do with some money—Oh, no. What would Alex make of me being unemployed? Well, I was made redundant. I’m sure he’ll understand.
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Lizzie Damilola Blackburn (Yinka, Where is Your Huzband?)
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What are you trying to buy? Asset type? Size? Price? To determine the answer to the first question, do the following: Start with your own net worth. Add in friends and family. The total team net worth is your starting point. Choose a market. Consider travel time and expense. You must be able to be in your market to look at deals at least once a month. Determine the viability of your market. Job growth? Population growth? Get deal flow from the market. Real estate agents Find all commercial realty companies in the city. Get on all their mailing lists. Analyze deals online from realtors in the area. Call the realtors about their listings. Direct to owners Get lists of owners. Create a system to reach owners directly. Mail Text Cold calling Analyze deals. Income approach Income – Expenses = Net operating income Net operating income – Debt service = Cash flow Check with lenders for current terms on debt. What is the CoC return? Cap rate? Debt ratio? Comparable data Check the analyzed cap rate against cap rates in the area for similar properties. Check comparable sale prices. Comps should be close in size and age to the subject property. Comps should have similar amenities. Comps should be within a few miles of the subject property. Exit Hold and operate. Refinance. Sell or flip. Consider upcoming market conditions. Debt Check with lenders or a mortgage broker to determine the availability of loans for this type of property. What are the terms and conditions? Is this the information you used to analyze the deal originally? Make the offer. Use an LOI to submit the offer in writing. The LOI will summarize the main deal points. If your offer is less than 15 percent of the asking price, speak with the realtor before you submit the offer. Once the offer is accepted, send the LOI to your attorney and have them draft the purchase agreement. Draft the purchase and sale agreement. Now that you have a fully executed contract, the clock starts. Earnest money goes into escrow. Do your due diligence. Financial inspection Physical inspection Lease audit Begin your loan application. The lender will complete three inspections. Appraisal Environmental inspection Physical engineer inspection of the buildings Do your closing. The lender will wire the loan proceeds to the closing escrow. Wire your down payment funds to the closing escrow. You own a new property! Engage property management for takeover of operations.
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Bill Ham (Real Estate Raw: A step-by-step instruction manual to building a real estate portfolio from start to finish)
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The way to connecting with each other and keeping these bonds strong is by maintaining respect, funding, and attendance for spaces and amenities that are public. Libraries, parks, walk-in clinics, public transportation, state and community education—things that you don’t need to pay a bunch of money or swipe a fancy card to access or use but were designed with all of us in mind. Embracing and holding in high regard these places and services that our taxes pay for keeps us arm-in-arm. It keeps us in close quarters so when some politician like Todd Akin makes irreverent and misogynistic declarations like, “If it is a legitimate rape, the female body has ways to try and shut that whole thing down,”1 we assemble into a multi-racial, multi-class, multi-gendered response.
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Kopa Beck
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Warren Buffett has two rules of investing: Rule #1 Never lose money. Rule #2 Never forget Rule #1. In the same way, the most important rules of brain health are as follows: Rule #1 Never lose brain cells. Rule #2 Never forget rule #1. Losing brain cells is much harder to recover from than any financial loss.
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Daniel G. Amen (Change Your Brain Every Day: Simple Daily Practices to Strengthen Your Mind, Memory, Moods, Focus, Energy, Habits, and Relationships)
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I couldn’t for the life of me understand why people with so much money would spend it on such a depressing house. Ten bedrooms. Thirteen bathrooms. An indoor gym and a dramatic staircase. The best amenities money could buy…and except for the tennis court and sixty-five-foot pool, they were all in black.
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L.J. Shen (Vicious (Sinners of Saint, #1))
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Amen,” Lee Otis echoed loudly. “Amen,” Esther and Money agreed. I couldn’t speak. My mouth moved around an amen, but my heart was too full. In a few lines, Alvin had given me more family than I’d ever had in my life.
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Amy Harmon (The Songbook of Benny Lament)
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After a long multi-decade fight with the city, the 200 households of Charrúa were in 1991 granted something that would offer them the most important foundation for development they could get: certificates of property ownership. The Charrúa families didn’t earn higher incomes than those in other parts of the neighborhood, and they weren’t more educated or better connected. The difference was that they had the capacity to prove home ownership with the indisputable seal of a government. And that status opened the door to a whole host of other benefits. As taxpaying property owners, they now had standing in the community, which meant they could lobby the government for services. That led to the school and the clinic. And they could use the deeds as collateral to borrow money to invest in businesses, which is why Charrúa became a commercial center, lined with stores and small restaurants. A visitor from the tony neighborhoods of the city’s northern corridor would still see a stark lack of amenities, but to the Bolivian locals, this two-block strip is proof that at least some of their kind have made it. What does this have to do with the blockchain? Well, to answer that, let’s not focus on the comparatively lucky 200 households of Charrúa but on the hundreds of thousands of Bolivians and other slum-dwellers of Buenos Aires and shantytowns all around the developing world who don’t have a title to their home. Their communities will acknowledge them as the owners but there’s nothing official saying so, nothing that’s accepted by the government or a bank, that is. Public registry systems in low-income countries are prone to corruption and incompetence—so a poor resident of a slum in a village in Uttar Pradesh or Manila might try to get a loan with their home as collateral, but no bank would accept it.
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Michael J. Casey (The Truth Machine: The Blockchain and the Future of Everything)
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Many people worship money like it’s their God. It’s not! If they worship God like they do money, they would find more happiness and joy in their life then they could possibly imagine. There's a constant blue shy feeling, waiting, something money can't buy. Amen.
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Ron Baratono
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Many people worship money like it’s their God. It’s not! If they worship God like they do money, they would find more happiness and joy in their life then they could possibly imagine. There's a constant blue sky feeling, waiting, something money can't buy. Amen.
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Ron Baratono
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If you're not already using this plan, after reading the book, you will!
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Terrance Amen (FBC: Family Business Circle: Creating Generational Wealth, Using the Money You're Already Spending)
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Of course, nobody’s asking you to modify your principles in any way, and in no diocese, as far as I know, has the fourth commandment been tampered with. But can we go poking our noses into their ledgers? They may be more or less amenable to our teaching as far as, for instance, the errors of the flesh are concerned—in their worldly prudence they can see where such disorders lead: they consider they’re wasteful, though usually in no higher sense than as a risk, as money thrown away; but what they call ‘business’ appears to these industrious folk their special preserve, where hard work excuses everything, since to them work is a kind of religion. ‘Each for himself and the devil take the hindmost,’ is their rule of life. And we are helpless, it will take years, centuries maybe, to enlighten their minds, rid them of the feeling that business is in the nature of ‘war’, with all the rights and privileges of real war. A soldier on the battlefield does not consider himself a murderer. Nor does a businessman who draws excessive profit from his activities consider himself a thief, since he knows he can never bring himself to take sixpence from another man’s pocket. Men are men, my dear boy, what else do you expect? If some of these businessmen were ever to take it into their heads to follow strict theological precepts on the subject of lawful profit, they would certainly end up in the bankruptcy court. And is it wise to class as inferior, industrious citizens who have struggled so hard to rise socially, and constitute our strongest support in a materialistic world, who take their share of the burden of church expenses, and who—now that in the villages vocations have almost ceased—even give us priests? Big business exists only in name today, it has been absorbed by the banks, the aristocracy is dying out, the proletarian slips through our fingers, and yet you’d like to get the middle classes to provide an immediate and spectacular solution to ethical difficulties which need endless time, prudence and tact to unravel. Was not slavery an even more flagrant breach of God’s law? And yet the Apostles—At your age we like to be intolerant. Be on your guard against that fault. Don’t think in abstractions, see men as they are.
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Georges Bernanos (The Diary of a Country Priest)
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Olaf’s casket was carefully placed on canvas straps across the open grave, ready to be lowered with hand cranks. At the head stood the young minister who I felt certain, couldn’t wait until all of this was over. He mumbled a few unintelligible words that ended with “forever and ever, amen.” When he finished, I nodded to the two men to start lowering the casket on its final descent. All went well until halfway down one of the straps suddenly snapped, and with a thud Olie dropped headlong into the place of his eternal rest. The canvas strap had rotted and now the casket was jammed at an awkward angle in the grave.
Fortunately there was a tow-rope in the pick-up. I leaned over and balanced myself with one foot on the tilted casket and managed to pass the rope under it. Then with everyone’s cooperation and strength, we managed to level the casket and properly lower Olaf into his grave. Although happy may not be the right word, all of us were pleased to have this behind us. Before leaving, Captain Duffy suggested we go to the new hotel on the beach owned by a Belgian couple. Now with the money already set aside by the company for this occasion, the mood quickly changed from one of mourning to a celebration of Olaf’s life.
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Hank Bracker
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At age twelve, his first job was as a railway newspaper boy, hawking wares to passengers on a Midwest rail line. But Edison soon realized he could make more money selling his own newspaper. The preteen began reporting and publishing the Grand Trunk Herald, a gossipy conglomeration of short articles about railroad employees, regular passengers, and bits of news about popular stops and amenities to be found there.
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Jeff Guinn (The Vagabonds: The Story of Henry Ford and Thomas Edison's Ten-Year Road Trip)
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Dear God, I surrender to you all my thoughts about money, I surrender to you my debts, I surrender to you my wealth. Open my mind to receive abundantly. Channel your abundance through me in a way that serves the world. Amen
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Marianne Williamson (A Return to Love: Reflections on the Principles of "A Course in Miracles")
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Other Romans pledged their allegiance not to the longstanding ideal of Romanitas but to the individual cities in which they resided. “I am a citizen of Bordeaux,” one fiercely insisted—conveniently ignoring the Roman roads he traveled, the Roman money he used to buy his writing equipment, and the Roman courts that protected his property. Bordeaux’s local government provided none of those protections or amenities. It was the treasury of Rome that made them possible. But for a resident of Roman Gaul, waving the flag of hometown pride had likely become an effective strategy for keeping unwanted strangers out.
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Douglas Boin (Alaric the Goth: An Outsider's History of the Fall of Rome)
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each person has a particular secret desire which they think will bring fulfillment—restored youth, sex with the beauty of their fantasies, athletic prowess, lots of money.118 But when they sell everything to get their dream, they are enslaved by it rather than satisfied. That fits with the biblical teaching of idolatry. Anything more important to you than the real God is an alternate god. Idols have no power (verses 5–7) to give you the love, forgiveness, and guidance you need. But paradoxically they do have power to make you like them (verse 8) and to keep you both spiritually blind and unable to see as well as spiritually lame and unable to change. Prayer: Lord, I confess that I make an idol out of people’s approval. Let me be so satisfied with your love that I no longer respond to people out of fear of displeasing them but only in love, seeking what is best for them. Remove my idols of approval—which can never give me the approval I need. Amen.
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Timothy J. Keller (The Songs of Jesus: A Year of Daily Devotions in the Psalms)
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Dear Lord," he said, "let me be like Aron. Don’t make me mean. I don’t want to be. If you will let everybody like me, why, I’ll give you anything in the world, and if I haven’t got it, why, I’ll go for to get it. I don’t want to be mean. I don’t want to be lonely. For Jesus’ sake, Amen.” Slow warm tears were running down his cheeks. His muscles were tight and he fought against making any crying sound or sniffle.
Aron whispered from his pillow in the dark, "You're cold. You've got a chill." He stretched out his hand to Cal's arm and felt the goose bumps there. He asked softly, "Did Uncle Charles have any money?"
"No," said Cal.
"Well, you were out there long enough. What did Father want to talk about?"
Cal lay still, trying to control his breathing.
"Don't you want to tell me?" Aron asked. "I don't care if you don't tell me."
"I'll tell," Cal whispered. He turned on his side so that his back was toward his brother. "Father is going to send a wreath to our mother. A great big goddam wreath of carnations."
Aron half sat up in bed and asked excitedly, "He is? How's he going to get it clear there?"
"On the train. Don't talk so loud."
Aron dropped back to a whisper. "But how's it going to keep fresh?"
"With ice," said Cal. "They're going to pack ice all around it."
Aron asked, "Won't it take a lot of ice?"
"A whole hell of a lot of ice," said Cal. "Go to sleep now."
Aron was silent, and then he said, "I hope it gets there fresh and nice."
"It will," said Cal. And in his mind he cried, "Don't let me be mean.
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John Steinbeck (East of Eden)
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Here, instead, the dominance is inside the minds of people who buy software. Microsoft has power because people believe it does. This power is very real. It makes lots of money. Judging from recent legal proceedings in both Washingtons, it would appear that this power and this money have inspired some very peculiar executives to come out and work for Microsoft, and that Bill Gates should have administered saliva tests to some of them before issuing them Microsoft ID cards. But this is not the sort of power that fits any normal definition of the word “monopoly,” and it’s not amenable to a legal fix. The courts may order Microsoft to do things differently. They might even split the company up. But they can’t really do anything about a mindshare monopoly, short of taking every man, woman, and child in the developed world and subjecting them to a lengthy brainwashing procedure.
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Neal Stephenson (In the Beginning...Was the Command Line)
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Costs In Maintaining The Primary Amenity, The Golf Course – Fred Layman
Fred Layman, aka “The Club Doctor” is a veteran golf course and clubs in transition operations director/consultant. In a series of blogs, he will be speaking about “Keeping your club successful by Giving the Full 360 Degree Experience.”
Costs in Maintaining the Primary Amenity, The Golf Course
As a multi-sports and golf club consultant, I am often asked, “How much a club should budget to maintain its golf course?”This seems like a never-ending Board of Directors/Owners concern, and that’s understandable. The golf course will consume a significant portion of the cash required to run a club and it is also one of the most visible and member-impacting amenities, so a high level of focus in allowed.
Since I began working in the club industry in 1994, I have had the opportunity to interact with leaders of clubs across the country. Typically, the discussions I hear about course maintenance budgets involve benchmarks such as cost per hole or cost per member and a variety of specific characteristics ranging from type of grass to geographic location. To understand the way in which these factors might be used determine how much money a club spends on course maintenance, you can undertake extensive analysis of club industry data.
That data reveals that while traditional benchmarks (cost per hole, cost per acre, cost per member, type of grass or geographic location) may represent the actual spending of an individual club, the simple fact that the club up the road is spending more on their course than you are is not enough to justify a decision to beef up the budget. So, how much should you be spending? Contrary to conventional wisdom, industry leaders and myresearch clearly shows that the answer is ultimately not determined by some combination of physical characteristics. The reality is the clubs spend what they can afford.
Before you dismiss this idea as random or arbitrary, consider this: The amount a club can afford to spend is eminently quantifiable and can be easily and accurately benchmarked. The proportionality of spending in clubs is highly consistent and represents the foundation of the common club business model. The business model of clubs, defines these proportions as the benchmark. So roughly one-third of a club’s gross profit (don’t think net) is the affordability at the average club.
Bottomline: Next time you’re in one of these discussions, remember that your club, like all clubs, is subject to the common industry business model and your budget is driven by your gross profit.
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Fred Layman
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A Christian Entrepreneur's Prayer:
Dear Lord,
Thank you for the freedom to use the gifts you have given me, the wisdom to give them back to you for your glory, and the opportunity to serve you in the marketplace.
Today, I ask for strength to persevere through challenges that may come my way. Help me to rest knowing that you have fought and won every battle on my behalf.
I ask for provision so that my business would be a sustainable source of income for those that are connected to it. I ask for fresh inspiration and creativity so that I can positively impact and change lives.
Help me to run my business with integrity, diligence and compassion so that I can be a lighthouse in my industry and community.
I pray that you would turn the hardships into testimonies of beauty and that favor would follow me everywhere that I go.
Where I am lacking in faith, Father, help my unbelief.
I thank you for the confidence that I can have knowing you hear my prayers and that you will bring me to an expected end.
In Jesus’ name.
Amen.
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Andrena Sawyer
“
The person we'd be discussing, if you'd allow me to, isn't my sort of klept.' ¶ 'Klepts are scarcely your sort, period,' Netherton said, 'and that's been my impression since we've known one another.' ¶ 'This goes beyond that. Not my father's sort, nor my grandfather's. Different roots entirely.' ¶ 'He's not Russian?' Netherton asked, having assumed this to be impossible. ¶ 'Russian,' said Lev, 'but descended from Soviet functionaries, rather than émigré 'garchs. Klept, but something else as well.' ¶ 'What's the difference?' ¶ 'Extremely low profile. Not given to ostentation, either as displays of wealth or demonstrations of power. Never entertains. Attends no functions outside of the Square Mile, and few enough there. Very much a creature of the City. Even there, though, he keeps to the deepest processes, those of the least transparent sort.' ¶ The City, Netherton had heard Lowbeer say, explaining the klept to Flynne, had long been, and well prior to the jackpot, a unique species of semi-autonomous crypto-state, the single least democratic element of elected British government. It was this singular status, according to Lowbeer, that had allowed it to ride out the eventual collapse of democracy. That, and its core expertise in laundering money, had brought it into a mutually beneficial synergy with the émigré oligarch community, dominated by Russians, who had themselves first been attracted to London by the City's meta-criminal financial arcana, plus the lavish culture of personal amenities for those requiring same.
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William Gibson (Agency (Jackpot #2))