Bank Related Quotes

Lists of books we re-read and books we can't finish tell more about us than about the relative worth of the books themselves

For years I wondered why dreams are so often dull when related, and this morning I find the answer, which is very simple - like most answers, you have always known it: No context ... like a stuffed animal set on the floor of a bank.

Pick a leader who will make their citizens proud. One who will stir the hearts of the people, so that the sons and daughters of a given nation strive to emulate their leader's greatness. Only then will a nation be truly great, when a leader inspires and produces citizens worthy of becoming future leaders, honorable decision makers and peacemakers. And in these times, a great leader must be extremely brave. Their leadership must be steered only by their conscience, not a bribe.

Pick a leader who will keep jobs in your country by offering companies incentives to hire only within their borders, not one who allows corporations to outsource jobs for cheaper labor when there is a national employment crisis. Choose a leader who will invest in building bridges, not walls. Books, not weapons. Morality, not corruption. Intellectualism and wisdom, not ignorance. Stability, not fear and terror. Peace, not chaos. Love, not hate. Convergence, not segregation. Tolerance, not discrimination. Fairness, not hypocrisy. Substance, not superficiality. Character, not immaturity. Transparency, not secrecy. Justice, not lawlessness. Environmental improvement and preservation, not destruction. Truth, not lies.

A NATION'S GREATNESS DEPENDS ON ITS LEADER To vastly improve your country and truly make it great again, start by choosing a better leader. Do not let the media or the establishment make you pick from the people they choose, but instead choose from those they do not pick. Pick a leader from among the people who is heart-driven, one who identifies with the common man on the street and understands what the country needs on every level. Do not pick a leader who is only money-driven and does not understand or identify with the common man, but only what corporations need on every level. Pick a peacemaker. One who unites, not divides. A cultured leader who supports the arts and true freedom of speech, not censorship. Pick a leader who will not only bail out banks and airlines, but also families from losing their homes -- or jobs due to their companies moving to other countries. Pick a leader who will fund schools, not limit spending on education and allow libraries to close. Pick a leader who chooses diplomacy over war. An honest broker in foreign relations. A leader with integrity, one who says what they mean, keeps their word and does not lie to their people. Pick a leader who is strong and confident, yet humble. Intelligent, but not sly. A leader who encourages diversity, not racism. One who understands the needs of the farmer, the teacher, the doctor, and the environmentalist -- not only the banker, the oil tycoon, the weapons developer, or the insurance and pharmaceutical lobbyist. Pick a leader who will keep jobs in your country by offering companies incentives to hire only within their borders, not one who allows corporations to outsource jobs for cheaper labor when there is a national employment crisis. Choose a leader who will invest in building bridges, not walls. Books, not weapons. Morality, not corruption. Intellectualism and wisdom, not ignorance. Stability, not fear and terror. Peace, not chaos. Love, not hate. Convergence, not segregation. Tolerance, not discrimination. Fairness, not hypocrisy. Substance, not superficiality. Character, not immaturity. Transparency, not secrecy. Justice, not lawlessness. Environmental improvement and preservation, not destruction. Truth, not lies. Most importantly, a great leader must serve the best interests of the people first, not those of multinational corporations. Human life should never be sacrificed for monetary profit. There are no exceptions. In addition, a leader should always be open to criticism, not silencing dissent. Any leader who does not tolerate criticism from the public is afraid of their dirty hands to be revealed under heavy light. And such a leader is dangerous, because they only feel secure in the darkness. Only a leader who is free from corruption welcomes scrutiny; for scrutiny allows a good leader to be an even greater leader. And lastly, pick a leader who will make their citizens proud. One who will stir the hearts of the people, so that the sons and daughters of a given nation strive to emulate their leader's greatness. Only then will a nation be truly great, when a leader inspires and produces citizens worthy of becoming future leaders, honorable decision makers and peacemakers. And in these times, a great leader must be extremely brave. Their leadership must be steered only by their conscience, not a bribe.

Och, stop being so sensitive, Prentice; it isn't much fun getting old. One of the few pleasures that do come your way is to speak your mind... Certainly annoying your relatives is enjoyable too, but I expected better of you.

So here we have found a means of a) alienating even the most flexible and patient Palestinians; while b) frustrating the efforts of the more principled and compromising Israelis; while c) empowering and financing some of the creepiest forces in American and Israeli society; and d) heaping ordure on our own secular founding documents. When will the Justice Department and the Congress and the Supreme Court become aware of this huge and rank offense, which is designed to bring us ever nearer to holy war?

Pick a leader who will not only bail out banks and airlines, but also families from losing their homes -- or jobs due to their companies moving to other countries. Pick a leader who will fund schools, not limit spending on education and allow libraries to close. Pick a leader who chooses diplomacy over war. An honest broker in foreign relations. A leader with integrity, one who says what they mean, keeps their word and does not lie to their people. Pick a leader who is strong and confident, yet humble. Intelligent, but not sly. A leader who encourages diversity, not racism. One who understands the needs of the farmer, the teacher, the doctor, and the environmentalist -- not only the banker, the oil tycoon, the weapons developer, or the insurance and pharmaceutical lobbyist.

If you do something to benefit one person, that is an absolute gain, and its relative insignificance in the wider scheme is irrelevant. Benefit two people without concomitant harm to others - or a village, tribe, city, class, nation, society or civilisation - and the benefits are scalable, arithmetic. There is no excuse beyond fatalistic self-indulgence and sheer laziness for doing nothing.

In life, there are no true beginnings or endings. Events flow into each other, and the more you try to isolate them in a container, the more they spill over the sides, like canal-water breaching its artificial banks. A related point is that the things we label 'beginnings' and 'endings' are often, in reality, indistinguishable. They are one and the same thing. This is one of the things the Death card symbolizes in tarot - an end that is also a new beginning.

Finally, don’t put on a Let’s Be Fair tone and say “But black people are racist too.” Because of course we’re all prejudiced (I can’t even stand some of my blood relatives, grasping, selfish folks), but racism is about the power of a group and in America it’s white folks who have that power. How? Well, white folks don’t get treated like shit in upper-class African-American communities and white folks don’t get denied bank loans or mortgages precisely because they are white and black juries don’t give white criminals worse sentences than black criminals for the same crime and black police officers don’t stop white folk for driving while white and black companies don’t choose not to hire somebody because their name sounds white and black teachers don’t tell white kids that they’re not smart enough to be doctors and black politicians don’t try some tricks to reduce the voting power of white folks through gerrymandering and advertising agencies don’t say they can’t use white models to advertise glamorous products because they are not considered “aspirational” by the “mainstream.

On Earth one of the things that a large proportion of the locals is most proud of is this wonderful economic system which, with a sureness and certainty so comprehensive one could almost imagine the process bears some relation to their limited and limiting notions of either thermodynamics or God, all food, comfort, energy, shelter, space, fuel and sustenance gravitates naturally and easily away from those who need it most and towards those who need it least. Indeed, those on the receiving end of such largesse are often harmed unto death by its arrival, though the effects may take years and generations to manifest themselves.

She could have wept. It was bad, it was bad, it was infinitely bad! She could have done it differently of course; the colour could have been thinned and faded; the shapes etherealised; that was how Paunceforte would have seen it. But then she did not see it like that. She saw the colour burning on a framework of steel; the light of a butterfly’s wing lying upon the arches of a cathedral. Of all that only a few random marks scrawled upon the canvas remained. And it would never be seen; never be hung even, and there was Mr Tansley whispering in her ear, “Women can’t paint, women can’t write ...” She now remembered what she had been going to say about Mrs Ramsay. She did not know how she would have put it; but it would have been something critical. She had been annoyed the other night by some highhandedness. Looking along the level of Mr Bankes’s glance at her, she thought that no woman could worship another woman in the way he worshipped; they could only seek shelter under the shade which Mr Bankes extended over them both. Looking along his beam she added to it her different ray, thinking that she was unquestionably the loveliest of people (bowed over her book); the best perhaps; but also, different too from the perfect shape which one saw there. But why different, and how different? she asked herself, scraping her palette of all those mounds of blue and green which seemed to her like clods with no life in them now, yet she vowed, she would inspire them, force them to move, flow, do her bidding tomorrow. How did she differ? What was the spirit in her, the essential thing, by which, had you found a crumpled glove in the corner of a sofa, you would have known it, from its twisted finger, hers indisputably? She was like a bird for speed, an arrow for directness. She was willful; she was commanding (of course, Lily reminded herself, I am thinking of her relations with women, and I am much younger, an insignificant person, living off the Brompton Road). She opened bedroom windows. She shut doors. (So she tried to start the tune of Mrs Ramsay in her head.) Arriving late at night, with a light tap on one’s bedroom door, wrapped in an old fur coat (for the setting of her beauty was always that—hasty, but apt), she would enact again whatever it might be—Charles Tansley losing his umbrella; Mr Carmichael snuffling and sniffing; Mr Bankes saying, “The vegetable salts are lost.” All this she would adroitly shape; even maliciously twist; and, moving over to the window, in pretence that she must go,—it was dawn, she could see the sun rising,—half turn back, more intimately, but still always laughing, insist that she must, Minta must, they all must marry, since in the whole world whatever laurels might be tossed to her (but Mrs Ramsay cared not a fig for her painting), or triumphs won by her (probably Mrs Ramsay had had her share of those), and here she saddened, darkened, and came back to her chair, there could be no disputing this: an unmarried woman (she lightly took her hand for a moment), an unmarried woman has missed the best of life. The house seemed full of children sleeping and Mrs Ramsay listening; shaded lights and regular breathing.

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'.

Down through the druid wood I saw Wildman join with Cleaver Creek, put on weight, exchange his lean and hungry look for one of more well-fed fanaticism. Then came Chichamoonga, the Indian Influence, whooping along with its banks war-painted with lupine and columbine. Then Dog Creek, then Olson Creek, then Weed Creek. Across a glacier-raked gorge I saw Lynx Falls spring hissing and spitting from her lair of fire-bright vine maple, claw the air with silver talons, then crash screeching into the tangle below. Darling Ida Creek slipped demurely from beneath a covered bridge to add her virginal presence, only to have the family name blackened immediately after by the bawdy rollicking of her brash sister, Jumping Nellie. There followed scores of relatives of various nationalities: White Man Creek, Dutchman Creek, Chinaman Creek, Deadman Creek, and even a Lost Creek, claiming with a vehement roar that, in spite of hundreds of other creeks in Oregon bearing the same name, she was the one and only original...Then Leaper Creek...Hideout Creek...Bossman Creek...I watched them one after another pass beneath their bridges to join in the gorge running alongside the highway, like members of a great clan marshaling into an army, rallying, swelling, marching to battle as the war chant became deeper and richer.

The reason I started the video library was that I knew around twenty of my friends and relatives owned video players. So I thought that if between them they hired twenty cassettes, at ₹10 a cassette a day, I would get ₹200 a day or ₹6,000 a month, which was the running cost of my shop. Anything extra, I thought, would be a profit which I could take a chance upon. Within a month of starting my shop, I was renting out more than 100 cassettes a day, but none of the twenty people I had counted upon ever came to my shop. If they did, they never paid, as they were my friends or were related to me. So in effect, what I had counted upon didn’t happen and success came from unexpected quarters. But I know in my heart that if I had not banked on those twenty people, there was no way I would have started my shop.

Myrna. Listen hard to what I’m going to say. You’re collecting and hoarding. You’re accumulating information from me, but you’re not giving anything back! I believe you’re trying to relate to me differently now but I’m not experiencing it as engagement. I don’t feel yet that you’re relating to me as a person—it’s more like you regard me as a data bank from which you make withdrawals.

People won’t see you as just another woman any more, but as a white woman who hangs with brownies, and you’ll lose a bit of your privilege, you should still check it, though, have you heard the expression, check your privilege, babe? Courtney replied that seeing as Yazz is the daughter of a professor and a very well-known theatre director, she’s hardly underprivileged herself, whereas she, Courtney, comes from a really poor community where it’s normal to be working in a factory at sixteen and have your first child as a single mother at seventeen, and that her father’s farm is effectively owned by the bank Yes but I’m black, Courts, which makes me more oppressed than anyone who isn’t, except Waris who is the most oppressed of all of them (although don’t tell her that) In five categories, black, Muslim, female, poor, hijab bed She’s the only one Yazz can’t tell to check her privilege Courtney replied that Roxane Gay warned against the idea of playing ‘privilege Olympics’ and wrote in Bad Feminist that privilege is relative and contextual, and I agree, Yazz, I mean, where does it all end? Is Obama less privileged than a white hillbilly growing up in a trailer park with a junkie single mother and a jailbird father? Is a severely disabled person more privileged than a Syrian asylum-seeker who’s been tortured? Roxane argues that we have to find a new discourse for discussing inequality Yazz doesn’t know what to say, when did Court read Roxane Gay - who’s amaaaazing? Was this a student outwitting the master moment? #whitegirltrumpsblackgirl

What amazes us is that parents all over the world are literally paying thousands of dollars in college tuition so that their sons and daughters can be taught the “truth” that there is no truth, not to mention other self-defeating postmodern assertions such as: 8220;All truth is relative” (Is that a relative truth?); “ There are no absolutes” (Are you absolutely sure?); and, “It’s true for you but not for me!” (Is that statement true just for you, or is it true for everyone?) “True for you but not for me” may be the mantra of our day, but it’s not how the world really works. Try saying that to your bank teller, the police, or the IRS and see how far you get! Of course these modern mantras are false because they are self-defeating. But for those who still blindly believe them, we have a few questions: If there really is no truth, then why try to learn anything? Why should any student listen to any professor? After all, the professor doesn’t have the truth. What’s the point of going to school, much less paying for it? And what’s the point of obeying the professor’s moral prohibitions against cheating on tests or plagiarizing term papers?

Regardless of who leads it, the professional-class liberalism I have been describing in these pages seems to be forever traveling on a quest for some place of greater righteousness. It is always engaged in a search for some subject of overwhelming, noncontroversial goodness with which it can identify itself and under whose umbrella of virtue it can put across its self-interested class program. There have been many other virtue-objects over the years: people and ideas whose surplus goodness could be extracted for deployment elsewhere. The great virtue-rush of the 1990s, for example, was focused on children, then thought to be the last word in overwhelming, noncontroversial goodness. Who could be against kids? No one, of course, and so the race was on to justify whatever your program happened to be in their name. In the course of Hillary Clinton’s 1996 book, It Takes a Village, the favorite rationale of the day—think of the children!—was deployed to explain her husband’s crime bill as well as more directly child-related causes like charter schools. You can find dozens of examples of this kind of liberal-class virtue-quest if you try, but instead of listing them, let me go straight to the point: This is not politics. It’s an imitation of politics. It feels political, yes: it’s highly moralistic, it sets up an easy melodrama of good versus bad, it allows you to make all kinds of judgments about people you disagree with, but ultimately it’s a diversion, a way of putting across a policy program while avoiding any sincere discussion of the policies in question. The virtue-quest is an exciting moral crusade that seems to be extremely important but at the conclusion of which you discover you’ve got little to show for it besides NAFTA, bank deregulation, and a prison spree.

What do I say to a whale, Galen?" I hiss. "Tell him to come closer." "No way." "Fine. Tell him to back up." I nod. "Right. Okay." I lace my fingers together to keep from wringing my hands raw. Even more than terror, I feel the insanity of the situation. I'm about to ask a fish the size of my house to make a U-turn. Because Galen, the man-fish behind me, doesn't speak humpback. "Uh, can you please back away from me?" I say. I sound polite, like I'm asking him to buy some Girl Scout cookies. I feel better in the few moments afterward because Goliath doesn't move. It proves Galen doesn't know what he's talking about. It proves this whale can't understand me, that I'm not some Snow White of the ocean. Except that, Goliath does start to turn away. I look back at Galen. "That's just a coincidence." Galen sighs. "You're right. He probably mistook us for a relative or something. Tell him to do something else, Emma.

Those faces on Main Street shaded by wide straw hats are surrounded in my child-memory by hardware and ploughs, seed bags and bales of cotton, the smell of guano and mule lots, hot sun on sidewalks and lovely white ladies with sweet childlike voices and smooth childlike faces, and Old gardens of boxwood and camellias, and fields endlessly curving around my small world. I know now that the bitterness, the cruel sensual lips, the quick fears in hard eyes, the sashshaying buttocks of brown girls, the thin childish voices of white women, had a great deal to do with high interest at the bank and low wages in the mills and gullied fields and lynchings and Ku Klux Klan and segregation and sacred womanhood and revivals, and Prohibition. And that no part of this memory can be understood without recalling it all of it.

The well-known phenomenon of the modern breakdown of the family cannot be understood without recognizing the role of unsound money allowing the state to appropriate many of the essential roles that the family has played for millennia, and reducing the incentive of all members of a family to invest in long-term familial relations.

The villainous sun and the starved bank did not seem related—yet.

But he couldn't feel self-pity in the face of the memorial. He hadn't lost nearly enough as these children, who'd lost their homeland and, in many cases,their whole families. Perhaps they had gained something, too, though. They had at least escaped the concentration camps, been taken in by good, caring families, and had grown up to live their lives in relative freedom.

This book is an essay in what is derogatorily called "literary economics," as opposed to mathematical economics, econometrics, or (embracing them both) the "new economic history." A man does what he can, and in the more elegant - one is tempted to say "fancier" - techniques I am, as one who received his formation in the 1930s, untutored. A colleague has offered to provide a mathematical model to decorate the work. It might be useful to some readers, but not to me. Catastrophe mathematics, dealing with such events as falling off a height, is a new branch of the discipline, I am told, which has yet to demonstrate its rigor or usefulness. I had better wait. Econometricians among my friends tell me that rare events such as panics cannot be dealt with by the normal techniques of regression, but have to be introduced exogenously as "dummy variables." The real choice open to me was whether to follow relatively simple statistical procedures, with an abundance of charts and tables, or not. In the event, I decided against it. For those who yearn for numbers, standard series on bank reserves, foreign trade, commodity prices, money supply, security prices, rate of interest, and the like are fairly readily available in the historical statistics.

She would never know him. He would never know her. Human relations were all like that, she thought, and the worst (if it had not been for Mr. Bankes) were between men and women. Inevitably those were extremely insincere

It is an amazing contradiction: a society that frowns on a woman going out without a man; that forces you to use separate entrances for universities, banks, restaurants, and mosques; that divides restaurants with partitions so that unrelated males and females cannot sit together; that same society expects you to get into a car with a man who is not your relative, with a man who is a complete stranger, by yourself and have him take you somewhere inside a locked car, alone.

Forty percent of the workforce are white-collar workers, most of whom have some of the most tedious and idiotic jobs ever concocted. Entire industries, insurance and banking and real estate for instance, consist of nothing but useless paper-shuffling. It is no accident that the "tertiary sector," the service sector, is growing while the "secondary sector" (industry) stagnates and the "primary sector" (agriculture) nearly disappears. Because work is unnecessary except to those whose power it secures, workers are shifted from relatively useful to relatively useless occupations as a measure to assure public order. Anything is better than nothing. That's why you can't go home just because you finish early. They want your *time*

In the music of the rushing stream sounds the joyful assurance, "I shall become the sea." It is not a vain assumption; it is true humility, for it is the truth. The river has no other alternative. On both sides of its banks it has numerous fields and forests, villages and towns; it can serve them in various ways, cleanse them and feed them, carry their produce from place to place. But it can have only partial relations with these, and however long it may linger among them it remains separate; it never can become a town or a forest. But it can and does become the sea. The lesser moving water has its affinity with the great motionless water of the ocean. It moves through the thousand objects on its onward course, and its motion finds its finality when it reaches the sea.

Patience is an unfailing remedy for friction in personal relations. Even if a person has never won a beauty contest, has no money in the bank, can't even change a flat tire, if he or she has inexhaustible patience, then we will find that life with such a person will never grow stale.

Oh, you're right. I'm just a human with thick skin, purple eyes, and hard bones. Which means you can go home. Tell Galen I said hi." Toraf opens and shuts his mouth twice. Both times it seems like he wants to say something, but his expression tells me his brain isn't cooperating. When his mouth snaps shut a third time, I splash water in his face. "Are you going to say something, or are you trying to catch wind and sail? A grin the size of the horizon spreads across his face. "He likes that, you know. Your temper." Yeahfreakingright. Galen's a classic type A personality-and type A's hate smartass-ism. Just ask my mom. "No offense, but you're not exactly an expert at judging people's emotions." "I'm not sure what you mean by that." "Sure you do." "If you're talking about Rayna, then you're wrong. She loves me. She just won't admit it." I roll my eyes. "Right. She's playing hard to get, is that it? Bashing your head with a rock, splitting your lip, calling you squid breath all the time." "What does that mean? Hard to get?" "It means she's trying to make you think she doesn't like you, so that you end up liking her more. So you work harder to get her attention." He nods. "Exactly. That's exactly what she's doing." Pinching the bridge of my nose, I say, "I don't think so. As we speak, she's getting your mating seal dissolved. That's not playing hard to get. That's playing impossible to get." "Even if she does get it dissolved, it's not because she doesn't care about me. She just likes to play games." The pain in Toraf's voice guts me like the catch of the day. She might like playing games, but his feelings are real. And can't I relate to that? "There's only one way to find out," I say softly. "Find out?" "If all she wants is games." "How?" "You play hard to get. You know how they say. 'If you love someone, set them free. If they return to you, it was meant to be?'" "I've never heard that." "Right. No, you wouldn't have." I sigh. "Basically, what I'm trying to say is, you need to stop giving Rayna attention. Push her away. Treat her like she treats you." He shakes his head. "I don't think I can do that." "You'll get your answer that way," I say, shrugging. "But it sounds like you don't really want to know." "I do want to know. But what if the answer isn't good?" His face scrunches as if the words taste like lemon juice. "You've got to be ready to deal with it, no matter what." Toraf nods, his jaw tight. The choices he has to consider will make this night long enough for him. I decide not to intrude on his time anymore. "I'm pretty tired, so I'm heading back. I'll meet you at Galen's in the morning. Maybe I can break thirty minutes tomorrow, huh?" I nudge his shoulder with my fist, but a weak smile is all I get in return. I'm surprised when he grabs my hand and starts pulling me through the water. At least it's better than dragging me by the ankle. I can't but think how Galen could have done the same thing. Why does he wrap his arms around me instead?

Baudelaire" When I fall asleep, and even during sleep, I hear, quite distinctly, voices speaking Whole phrases, commonplace and trivial, Having no relation to my affairs. Dear Mother, is any time left to us In which to be happy? My debts are immense. My bank account is subject to the court’s judgment. I know nothing. I cannot know anything. I have lost the ability to make an effort. But now as before my love for you increases. You are always armed to stone me, always: It is true. It dates from childhood. For the first time in my long life I am almost happy. The book, almost finished, Almost seems good. It will endure, a monument To my obsessions, my hatred, my disgust. Debts and inquietude persist and weaken me. Satan glides before me, saying sweetly: “Rest for a day! You can rest and play today. Tonight you will work.” When night comes, My mind, terrified by the arrears, Bored by sadness, paralyzed by impotence, Promises: “Tomorrow: I will tomorrow.” Tomorrow the same comedy enacts itself With the same resolution, the same weakness. I am sick of this life of furnished rooms. I am sick of having colds and headaches: You know my strange life. Every day brings Its quota of wrath. You little know A poet’s life, dear Mother: I must write poems, The most fatiguing of occupations. I am sad this morning. Do not reproach me. I write from a café near the post office, Amid the click of billiard balls, the clatter of dishes, The pounding of my heart. I have been asked to write “A History of Caricature.” I have been asked to write “A History of Sculpture.” Shall I write a history Of the caricatures of the sculptures of you in my heart? Although it costs you countless agony, Although you cannot believe it necessary, And doubt that the sum is accurate, Please send me money enough for at least three weeks.

The Rothschilds are people we certainly would not attempt to defend given the rumors swirling around them of financial corruption and market manipulation in this era and in earlier eras. However, the way they are held up, by conspiracy extremists and other paranoid thinkers, to represent the Jewish community is an absolute joke. There are good and bad people in all races. The fact that there are many Jews in the banking sector is being used by neo-Nazis and anti-Semites to try to sway the uneducated to believe the Jews are the problem instead of banking shysters and banksters in general. Another important point relating to the current Jewish prominence in the banking world is there is a very obvious historical reason for it...Historically Jews did not have much freedom of choice when it came to their occupations. In fact, they were once forbidden by Christian authorities, and by some Muslim authorities, to pursue most regular occupations. They were, however, permitted and even encouraged to enter the banking industry because, in the medieval era at least, Christians/Muslims were not allowed to charge fellow-Christians/Muslims interest, but someone had to make loans – so the Jews were charged with the task. Jews were also permitted to slaughter animals – another equally unsavory job – and they were then despised and mocked by entire communities for being animal slaughterers and bankers.

I believe that everyone should keep a reserve of liquidity outside their portfolio to meet family emergencies. While a portfolio can be part liquidated relatively quickly, there have been times, such as the secondary banking crisis of the early 1970s or the 2008 subprime/banking crash, when markets have plunged and stocks have become almost unsaleable.

The world, we are told, was created by a God who is both good and omnipotent. Before He created the world He foresaw all the pain and misery that it would contain; He is therefore responsible for all of it. It is useless to argue that the pain in the world is due to sin. In the first place, this is not true; it is not sin that causes rivers to overflow their banks or volcanoes to erupt. But even if it were true, it would make no difference. If I were going to beget a child knowing that the child was going to be a homicidal maniac, I should be responsible for his crimes. If God knew in advance the sins of which man would be guilty, He was clearly responsible for all the consequences of those sins when He decided to create man.

our governments openly favored white supremacy and helped to create and maintain all-white communities. So did most of our banks, realtors, and police chiefs. If public relations offices, Chambers of Commerce, and local historical societies don’t want us to know something, perhaps that something is worth learning. After all, how can we deal with something if we cannot even face it?

Most Europeans like to think that American bankruptocracy is worse than its European cousin, thanks to the power of Wall Street and the infamous revolving door between the US banks and the US government. They are very, very wrong. Europe’s banks were managed so atrociously in the years preceding 2008 that the inane bankers of Wall Street almost look good by comparison. When the crisis hit, the banks of France, Germany, the Netherlands and the UK had exposure in excess of $30 trillion, more than twice the United States national income, eight times the national income of Germany, and almost three times the national incomes of Britain, Germany, France and Holland put together.8 A Greek bankruptcy in 2010 would have immediately necessitated a bank bailout by the German, French, Dutch and British governments amounting to approximately $10,000 per child, woman and man living in those four countries. By comparison, a similar market turn against Wall Street would have required a relatively tiny bailout of no more than $258 per US citizen. If Wall Street deserved the wrath of the American public, Europe’s banks deserved 38.8 times that wrath. But

A prohibition on the hoarding or possession of gold was integral to the plan to devalue the dollar against gold and get people spending again. Against this background, FDR issued Executive Order 6102 on April 5, 1933, one of the most extraordinary executive orders in U.S. history. The blunt language over the signature of Franklin Delano Roosevelt speaks for itself: I, Franklin D. Roosevelt . . . declare that [a] national emergency still continues to exist and . . . do hereby prohibit the hoarding of gold coin, gold bullion, and gold certificates within the . . . United States by individuals, partnerships, associations and corporations.... All persons are hereby required to deliver, on or before May 1, 1933, to a Federal reserve bank . . . or to any member of the Federal Reserve System all gold coin, gold bullion and gold certificates now owned by them.... Whoever willfully violates any provision of this Executive Order . . . may be fined not more than $10,000 or . . . may be imprisoned for not more than ten years. The people of the United States were being ordered to surrender their gold to the government and were offered paper money at the exchange rate of $20.67 per ounce. Some relatively minor exceptions were made for dentists, jewelers and others who made “legitimate and customary” use of gold in their industry or art. Citizens were allowed to keep $100 worth of gold, about five ounces at 1933 prices, and gold in the form of rare coins. The $10,000 fine proposed in 1933 for those who continued to hoard gold in violation of the president’s order is equivalent to over $165,000 in today’s money, an extraordinarily large statutory fine. Roosevelt followed up with a

The plane banked, and he pressed his face against the cold window. The ocean tilted up to meet him, its dark surface studded with points of light that looked like constellations, fallen stars. The tourist sitting next to him asked him what they were. Nathan explained that the bright lights marked the boundaries of the ocean cemeteries. The lights that were fainter were memory buoys. They were the equivalent of tombstones on land: they marked the actual graves. While he was talking he noticed scratch-marks on the water, hundreds of white gashes, and suddenly the captain's voice, crackling over the intercom, interrupted him. The ships they could see on the right side of the aircraft were returning from a rehearsal for the service of remembrance that was held on the ocean every year. Towards the end of the week, in case they hadn't realised, a unique festival was due to take place in Moon Beach. It was known as the Day of the Dead... ...When he was young, it had been one of the days he most looked forward to. Yvonne would come and stay, and she'd always bring a fish with her, a huge fish freshly caught on the ocean, and she'd gut it on the kitchen table. Fish should be eaten, she'd said, because fish were the guardians of the soul, and she was so powerful in her belief that nobody dared to disagree. He remembered how the fish lay gaping on its bed of newspaper, the flesh dark-red and subtly ribbed where it was split in half, and Yvonne with her sleeves rolled back and her wrists dipped in blood that smelt of tin. It was a day that abounded in peculiar traditions. Pass any candy store in the city and there'd be marzipan skulls and sugar fish and little white chocolate bones for 5 cents each. Pass any bakery and you'd see cakes slathered in blue icing, cakes sprinkled with sea-salt.If you made a Day of the Dead cake at home you always hid a coin in it, and the person who found it was supposed to live forever. Once, when she was four, Georgia had swallowed the coin and almost choked. It was still one of her favourite stories about herself. In the afternoon, there'd be costume parties. You dressed up as Lazarus or Frankenstein, or you went as one of your dead relations. Or, if you couldn't think of anything else, you just wore something blue because that was the colour you went when you were buried at the bottom of the ocean. And everywhere there were bowls of candy and slices of special home-made Day of the Dead cake. Nobody's mother ever got it right. You always had to spit it out and shove it down the back of some chair. Later, when it grew dark, a fleet of ships would set sail for the ocean cemeteries, and the remembrance service would be held. Lying awake in his room, he'd imagine the boats rocking the the priest's voice pushed and pulled by the wind. And then, later still, after the boats had gone, the dead would rise from the ocean bed and walk on the water. They gathered the flowers that had been left as offerings, they blew the floating candles out. Smoke that smelt of churches poured from the wicks, drifted over the slowly heaving ocean, hid their feet. It was a night of strange occurrences. It was the night that everyone was Jesus... ...Thousands drove in for the celebrations. All Friday night the streets would be packed with people dressed head to toe in blue. Sometimes they painted their hands and faces too. Sometimes they dyed their hair. That was what you did in Moon Beach. Turned blue once a year. And then, sooner or later, you turned blue forever.

Empire had a clutch of missiles which were generally reckoned to be inoperable, and probably were politically unusable anyway because they were supposed to be nuclear-tipped. Public opinion in the Cluster could tolerate the technologically enhanced continuation of a pointless war so long as men, women and children died in relatively small, regular batches, but the thought of a million or so being incinerated at once, nuked in a city, was not to be tolerated.

with government-issued money with negligible value as a commodity, salability can be compromised by the governments that issued it, declaring it no longer suitable as legal tender. Indians who woke up on November 8, 2016, to hear that their government had suspended the legal tender status of 500 and 1,000 rupee notes can certainly relate. In the blink of an eye, what was highly salable money lost its value and had to be exchanged at banks with very long lines.

was the idea that relative happiness stems from three sources: what one is, what one has, and what one represents in the eyes of others. He urges that we focus only on the first and do not bank on the second and third—on having and our reputation—because we have no control over those two; they can, and will, be taken away from us—just as your inevitable aging is taking away your beauty. In fact, ‘having’ has a reverse factor, he said—what we have often starts to have us.

A retired bank vice-president named Harry Breitfeller, who lived in a comfortable duplex in Santa Monica with his wife and other relatives, stepped out on the cement porch a little after nine one morning to pick up the mail. There were half a dozen envelopes, mostly bills, in the mailbox, and a whacking big cardboard carton on the porch under it. Breitfeller picked up the carton, thinking it must be something his wife had ordered, but saw that his own name was on the label.

The operation of a market economy is dependent on prices, and prices, to be accurate, are dependent on a common medium of exchange, which reflects the relative scarcity of different goods. If this is easy money, the ability of its issuer to constantly increase its quantity will prevent it from accurately reflecting opportunity costs. Every unpredictable change in the quantity of money would distort its role as a measure of interpersonal value and a conduit for economic information.

In Panama, I knew Noriega himself was the object of controversy. The "arms deal" was the final stage of Operation Carrier Pigeon where the planes were to wait in Saudi Arabia until all bank transactions were cleared and the load was ready for disbursement. Saudi Arabian King Fahd would then fund the Contras via Noriega for Reagan after all evidences had been properly covered up -- just as he had done in Afghanistan. After the shipment, there would be no further deals through Noriega involving Fahd, because Noriega could no longer be trusted. Besides, Fahd had increased diplomatic relations with Mexico for covert operations, and Iran-Contra was just beginning to heat up. Noriega did not seem to be upset by the news of losing Saudi Arabian business, although he was somber and took some time to respond. His translator was working over some complex computer equipment after I delivered the message. I left Noriega's yacht with John and a brief message for Dick Cheney at the Pentagon.

For example, Shawn Cole, a professor at Harvard Business School, finds that Indian state-owned banks increase their lending to the politically important but relatively poor constituency of farmers by about 5 to 10 percentage points in election years.51 The effect is most pronounced in districts with close elections. The consequences of the lending are greater loan defaults and no measurable increase in agricultural output, which suggest that it really serves as a costly form of income redistribution.

In science, all important ideas need names and stories to fix them in the memory. It occurred to me that the market's first wild trait, abrupt change or discontinuity, is prefigured in the Bible tale of Noah. As Genesis relates, in Noah's six hundredth year God ordered the Great Flood to purify a wicked world. Then "were all the fountains of the great deep broken up, and the windows of heaven were opened." Noah survived, of course: He prepared against the coming flood by building a ship strong enough to withstand it. The flood came and went-catastrophic, but transient. Market crashes are like that. The 29.2 percent collapse of October 19, 1987, arrived without warning or convincing reason; and at the time, it seemed like the end of the financial world. Smaller squalls strike more often, with more localized effect. In fact, a hierarchy of turbulence, a pattern that scales up and down with time, governs this bad financial weather. At times, even a great bank or brokerage house can seem like a little boat in a big storm.

Left alone in a dark room with a pile of money, the Irish decided what they really wanted to do with it was buy Ireland. From each other. An Irish economist named Morgan Kelly, whose estimates of Irish bank losses have been the most prescient, has made a back-of-the-envelope calculation that puts the property-related losses of all Irish banks at roughly 106 billion euros. (Think $10.6 trillion.) At the rate money flows into the Irish treasury, Irish bank losses alone would absorb every penny of Irish taxes for the next four years.

Now you must leave the safety of the ant colony and the hive. You are to become a loner, an outcast, cut off from the very thing that defines what many of us believe we are. What is the first question usually asked by strangers of each other? Right, it’s “What do you do?” In some cultures, the way of answering may be different; but it nearly always relates to work in the West: “I’m a teacher; I’m in banking; I’m a dairy farmer; I’m an HR administrator; I’m a sound engineer.” Our job defines us. But it cannot define you. Not anymore.

One theft, however, does not make a thief . . Action which defines a man, describes his character, is action which has been repeated over and over and so has come in time to be a coherent and relatively independent mode of behavior. At first it may have been fumbling and uncertain, may have required attention, effort, will - as when first drives a car, first makes love, first robs a bank, first stands up against injustice. If one perseveres on any such course it comes in time to require less effort, less attention, begins to function smoothly; its small component behaviors become integrated within a larger pattern which has an ongoing dynamism and cohesiveness, carries its own authority. Such a mode then pervades the entire person, permeates other modes, colors other qualities, in some sense is living and operative even when the action is not being performed, or even considered. . . . Such a mode of action tends to maintain itself, to resist change. A thief is one who steals; stealing extends and reinforces the identity of a thief, which generates further thefts, which further strengthen and deepen the identity. So long as one lives, change is possible; but the longer such behavior is continued the more force and authority it acquires, the more it permeates other constant bodes, subordinates other conflicting modes; changing back becomes steadily more difficult; settling down to an honest job, living on one's earnings becomes ever more unlikely. And what is said here of stealing applies equally to courage, cowardice, creativity . . . or any other of the myriad ways of behaving, and hence of being.

We are by the river bank. The river is very, very low. Almost dry. But mostly is wet stones. Grey on the outside. We walk on the stones for awhile. You pick up a stone and crash it onto the others. As it breaks, it is quite wet inside and is very colorful, very pretty. I pick up a stone and break it and run toward the pieces to see the colors. They are beautiful. I laugh and bring the pieces back to you and you are doing the same with your pieces. We keep on crashing stones for hours, anxious to see the beautiful new colors. We are playing. The playfulness of our activity does not presuppose that it is a particular form of play with its own rules. Rather the attitude that carries us through the activity, a playful attitude, turns the activity into play. Our activity has no rules, though it is certainly intentional activity and we both understand what we are doing. The playfulness that gives meaning to our activity includes uncertainty, but in this case the uncertainty is an openness to surprise. This is a particular metaphysical attitude that does not expect the world to be neatly packaged, ruly. Rules may fail to explain what we are doing. We are not self-important, we are not fixed in particular constructions of ourselves, which is part of saying that we are open to self-construction. We are not worried about competence. We are not wedded to a particular way of doing things. While playful we have not abandoned ourselves to, nor are we stuck in, any particular ‘world.’ We are there creatively. We are not passive. Playfulness is, in part, an openness to being a fool, which is a combination of not worrying about competence, not being self-important, not taking norms as sacred and finding ambiguity and double edges a source of wisdom and delight. So, positively, the playful attitude involves openness to surprise, openness to being a fool, openness to self-construction or reconstruction and to construction or reconstruction of the ‘worlds’ we inhabit playfully. Negatively, playfulness is characterized by uncertainty, lack of self-importance, absence of rules or a not taking rules as scared, a no worrying about competence and a lack of abandonment to a particular construction of oneself, others and one’s relation to them. In attempting to take a hold of oneself and one’s relation to others in a particular ‘world,’ one may study, examine and come to understand oneself. One may then see what the possibilities for play are for being one is in that ‘world.’ One may even decide to inhabit that self fully in order to understand it better and find its creative possibilities. All of this is just self-reflection, and is quite different from residing or abandoning oneself to the particular construction of oneself that one is attempting to take a hold of.

My ten years of bank experience should be of interest to a rapidly growing bank like yours. In various capacities in bank operations with the Bankers Trust Company in New York, leading to my present assignment as Branch Manager, I have acquired skills in all phases of banking including depositor relations, credits, loans and administration. I will be relocating to Phoenix in May and I am sure I can contribute to your growth and profit. I will be in Phoenix the week of April 3 and would appreciate the opportunity to show you how I can help your bank meet its goals.

Family members provided a variety of support--physical, economic, emotional, and psychological... Parents opened bank accounts for their children, even those who were adult, away from home, married, and employed. And children who left Richmond to search for work elsewhere provided for the money in their savings accounts to be used by other relatives, if needed, during their absence. In all these ways African American women and men testified to the notion of family members as having a mutual and continuing responsibility to help each other and to prepare for hard times.

Roy Jastram has produced a systematic study of the purchasing power of gold over the longest consistent datasets available.6 Observing English data from 1560 to 1976 to analyze the change in gold's purchasing power in terms of commodities, Jastram finds gold dropping in purchasing power during the first 140 years, but then remaining relatively stable from 1700 to 1914, when Britain went off the gold standard. For more than two centuries during which Britain primarily used gold as money, its purchasing power remained relatively constant, as did the price of wholesale commodities.

The second, and related, question was why would an increase in money supply not stimulate spending, returning the economy to full employment? Keynes’s reply was that in a slump the demand for liquidity – emergency money – was so high that further injections of money would simply be absorbed in idle cash balances as a claim on generalised future purchasing power without any impact on current spending. The economy would be stuck in a ‘liquidity trap’. The argument was set out in Chapters 13 and 14 of The General Theory. They are among the more difficult and obscure parts of the book. It

Dear Sir: My ten years of bank experience should be of interest to a rapidly growing bank like yours. In various capacities in bank operations with the Bankers Trust Company in New York, leading to my present assignment as Branch Manager, I have acquired skills in all phases of banking including depositor relations, credits, loans and administration. I will be relocating to Phoenix in May and I am sure I can contribute to your growth and profit. I will be in Phoenix the week of April 3 and would appreciate the opportunity to show you how I can help your bank meet its goals. Sincerely, Barbara L. Anderson

Israeli authorities also maintain primary control over water resources in the West Bank and allocate water in a discriminatory fashion to Palestinians. [...] Military orders established in the first 18 months of the occupation in 1967 and 1968 granted the army full authority over water-related issues in the West Bank, declared water resources state property, and barred Palestinians from establishing or using water installations without a permit. In 1982, Israeli authorities transferred ownership of water resources and supply from the Civil Administration to the national Israeli water company, Mekorot, while continuing to vest the Civil Administration with regulatory control.

Relations with the Palestinian village of Qaffin, however, have been more complicated. "Before 1967," explains Dov Avital, "it was a West Bank village annexed by Jordan. Since, 1967, it has been a Palestinian village of the West Bank occupied by Israel. We share the struggle of our neighbors in Meisar for their civil rights - in principle, our fellow citizens. But it is different with Qaffin. As Israelis on the Left, we are willing to fight against the occupation for peace and for the creation of a Palestinian State. But the people in Qaffin are also struggling for national rights. We support them, but because they are Palestinians and we are Israelis, we cannot really take part in that.

Using an example of how this would work in a more relatable scenario. If you were to imagine a hacker accessing the computer system of your bank and transferring all your funds from your own account into his and deleting all evidence of the transaction, existing technology would not be able to pick this up and you would likely be out of pocket. In the case of a blockchain currency like Bitcoin, having one server hacked with a false transaction being inserted into the database would not be consistent with the same record across the other copies of the database. The blockchain would identify the transaction as being illegitimate and would ultimately reject it meaning the money in your account would be kept safe.

With the simple suspension of gold redeemability, governments’ war efforts were no longer limited to the money that they had in their own treasuries, but extended virtually to the entire wealth of the population. For as long as the government could print more money and have that money accepted by its citizens and foreigners, it could keep financing the war. Previously, under a monetary system where gold as money was in the hands of the people, government only had its own treasuries to sustain its war effort, along with any taxation or bond issues to finance the war. This made conflict limited, and lay at the heart of the relatively long periods of peace experienced around the world before the twentieth century.

Progress And again my inmost life rushes louder, as if it moved now between steeper banks. Objects become ever more related to me, and all pictures ever more perused. I feel myself more trusting in the nameless: with my senses, as with birds, I reach into the windy heavens from the oak, and into the small ponds' broken-off day my feeling sinks, as if it stood on fishes. (Fortschritt Und wieder rauscht mein tiefes Leben lauter, als ob es jetzt in breitern Ufern ginge. Immer verwandter werden mir die Dinge und alle Bilder immer angeschauter. Dem Namenlosen fühl ich mich vertrauter: Mit meinen Sinnen, wie mit Vögeln, reiche ich in die windigen Himmel aus der Eiche, und in den abgebrochnen Tag der Teiche sinkt, wie auf Fischen stehend, mein Gefühl.)

Even if these two didn't share the same short dark hair, the same violet eyes, and the same flawless olive skin, I'd know they were related because of their most dominant feature-their habit of staring. "I'm Chloe. This is my friend Emma, who apparently just head-butted your boyfriend Galen. We were in the middle of apologizing." I pinch the bridge of my nose and count to ten-Mississippi, but fifty-Mississippi seems more appropriate. Fifty allows more time to fantasize about ripping one of Chloe's new waves out. "Emma, what's wrong? Your nose isn't bleeding, is it?" She chirps, enjoying herself. Tingles gather at my chin as Galen lifts it with the crook of his finger. "Is your nose bleeding? Let me see," he says. He tilts my head side to side, leans closer to get a good look. And I meet my threshold for embarrassment. Tripping is bad enough. Tripping into someone is much worse. But if that someone has a body that could make sculpted statues jealous-and thinks you've broken your nose on one of his pecs-well, that's when tripping runs a distant second to humane euthanasia. He is clearly surprised when I swat his hand and step away. His girlfriend/relative seems taken aback that I mimic his stance-crossed arms and deep frown. I doubt she has ever met her threshold for embarrassment. "I said I was fine. No blood, no foul." "This is my sister Rayna," he says, as if the conversation steered naturally in that direction. She smiles at me as if forced at knifepoint, the kind of smile that comes purely from manners, like the smile you give your grandmother when she gives you the rotten-cabbage-colored sweater she's been knitting. I think of that sweater now as I return her smile.

Hey, that's weird," Chloe says. "You both have the same color eyes as Emma. I've never seen that before. I always thought it was because she's freakishly pasty. Ow! That's gonna leave a mark, Emma," she says, rubbing her freshly pinched biceps. "Good, I hope it does," I snap. I want to ask them about their eyes-the color seems prettier set against the olive tone of Galen's skin-but Chloe has bludgeoned my chances of recovering from embarrassment. I'll have to be satisfied that my dad-and Google-were wrong all this time; my eye color just can't be that rare. Sure, my dad practiced medicine until the day he died two years ago. And sure, Google never let me down before. But who am I to argue with living, breathing proof that this eye color actually does exist? Nobody, that's who. Which is convenient, since I don't want to talk anymore. Don't want to force Galen into any more awkward conversations. Don't want to give Chloe any more opportunities to deepen the heat of my burning cheeks. I just want this moment of my life to be over. I push past Chloe and snatch up the surfboard. To her good credit, she presses herself against the rail as I pass her again. I stop in front of Galen and his sister. "It was nice to meet you both. Sorry I ran into you. Let's go, Chloe." Galen looks like he wants to say something, but I turn away. He's been a good sport, but I'm not interested in discussing swimmer safety-or being introduced to any more of his hostile relatives. Nothing he can say will change the fact that DNA from my cheek is smeared on his chest. Trying not to actually march, I thrust past them and make my way down the stairs leading to the pristine white sand. I hear Chloe closing the distance behind me, giggling. And I decide on sunflowers for her funeral.

I have brought the heather-mixture suit, as the climatic conditions are congenial. To-morrow, if not prevented, I will endeavour to add the brown lounge with the faint green twill.' 'It can't go on - this sort of thing - Jeeves.' 'We must hope for the best, sir.' 'Can't you think of anything to do?' 'I have been giving the matter considerable thought, sir, but so far without success. I am placing three silk shirts - the dove-coloured, the light blue, and the mauve - in the first long drawer, sir.' 'You don't mean to say you can't think of anything, Jeeves?' 'For the moment, sir, no. You will find a dozen handkerchiefs and the tan socks in the upper drawer on the left.' He strapped the suit-case and put it on a chair. 'A curious lady, Miss Rockmetteller, sir.' 'You understate it, Jeeves.' He gazed meditatively out of the window. 'In many ways, sir, Miss Rockmetteller reminds me of an aunt of mine who resides in the south-east portion of London. Their temperaments are much alike. My aunt has the same taste for the pleasures of the great city. It is a passion with her to ride in taxi-cabs, sir. Whenever the family take their eyes off her she escapes from the house and spends the day riding about in cabs. On several occasions she has broken into the children's savings bank to secure the means to enable her to gratify this desire.' 'I love to have these little chats with you about your female relatives, Jeeves,' I said coldly, for I felt that the man had let me down, and I was fed up with him. 'But I don't see what all this has got to do with my trouble.' 'I beg your pardon, sir. I am leaving a small assortment of our neckties on the mantelpiece, sir for you to select according to your preference. I should recommend the blue with the red domino pattern, sir.

But scamming large amounts of money off the top seems even harder to catch. Fraud by American defense contractors is estimated at around $100 billion per year, and they are relatively well behaved compared to the financial industry. The FBI reports that since the economic recession of 2008, securities and commodities fraud in the United States has gone up by more than 50 percent. In the decade prior, almost 90 percent of corporate fraud cases—insider trading, kickbacks and bribes, false accounting—implicated the company’s chief executive officer and/or chief financial officer. The recession, which was triggered by illegal and unwise banking practices, cost American shareholders several trillion dollars in stock value losses and is thought to have set the American economy back by a decade and a half. Total costs for the recession have been estimated to be as high as $14 trillion—or about $45,000 per citizen.

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.

When reduced to nothing more than principle of the mind, humility will never be low enough for humility. On principle, the man who lives in the small mountain cottage is more large and luxurious than the man who lives in the tiny shack; the man who lives in the tiny shack, than the man who sleeps on the bank; the man who sleeps on the bank, than the man who wanders the desert; the man who wanders the desert at least has legs to wander while many other men do not. To reduce by the standards of men is to morally compete against men, and to reduce by one's own standards is ego-driven. A man can decrease his life to death and never reach true lowliness because humility on principle of the mind is not humility at all but rather its opposite: the pride of competition - only in reverse. Therefore it seems that, perhaps, true humility is nothing one can achieve; it hides in purity of the heart given only by the one perfect Christ.

The strongest evidence yet was published in 2010. In a painstaking long-term study, much larger and more thorough than anything done previously, an international team of researchers tracked one thousand children in New Zealand from birth until the age of thirty-two. Each child’s self-control was rated in a variety of ways (through observations by researchers as well as in reports of problems from parents, teachers, and the children themselves). This produced an especially reliable measure of children’s self-control, and the researchers were able to check it against an extraordinarily wide array of outcomes through adolescence and into adulthood. The children with high self-control grew up into adults who had better physical health, including lower rates of obesity, fewer sexually transmitted diseases, and even healthier teeth. (Apparently, good self-control includes brushing and flossing.) Self-control was irrelevant to adult depression, but its lack made people more prone to alcohol and drug problems. The children with poor self-control tended to wind up poorer financially. They worked in relatively low-paying jobs, had little money in the bank, and were less likely to own a home or have money set aside for retirement. They also grew up to have more children being raised in single-parent households, presumably because they had a harder time adapting to the discipline required for a long-term relationship. The children with good self-control were much more likely to wind up in a stable marriage and raise children in a two-parent home. Last, but certainly not least, the children with poor self-control were more likely to end up in prison. Among those with the lowest levels of self-control, more than 40 percent had a criminal conviction by the age of thirty-two, compared with just 12 percent of the people who had been toward the high end of the self-control distribution in their youth.

This is related to the phenomenon of the Professional Smile, a national pandemic in the service industry; and noplace in my experience have I been on the receiving end of as many Professional Smiles as I am on the Nadir, maître d’s, Chief Stewards, Hotel Managers’ minions, Cruise Director—their P.S.’s all come on like switches at my approach. But also back on land at banks, restaurants, airline ticket counters, on and on. You know this smile—the strenuous contraction of circumoral fascia w/ incomplete zygomatic involvement—the smile that doesn’t quite reach the smiler’s eyes and that signifies nothing more than a calculated attempt to advance the smiler’s own interests by pretending to like the smilee. Why do employers and supervisors force professional service people to broadcast the Professional Smile? Am I the only consumer in whom high doses of such a smile produce despair? Am I the only person who’s sure that the growing number of cases in which totally average-looking people suddenly open up with automatic weapons in shopping malls and insurance offices and medical complexes and McDonald’ses is somehow causally related to the fact that these venues are well-known dissemination-loci of the Professional Smile? Who do they think is fooled by the Professional Smile? And yet the Professional Smile’s absence now also causes despair. Anybody who’s ever bought a pack of gum in a Manhattan cigar store or asked for something to be stamped FRAGILE at a Chicago post office or tried to obtain a glass of water from a South Boston waitress knows well the soul-crushing effect of a service worker’s scowl, i.e. the humiliation and resentment of being denied the Professional Smile. And the Professional Smile has by now skewed even my resentment at the dreaded Professional Scowl: I walk away from the Manhattan tobacconist resenting not the counterman’s character or absence of goodwill but his lack of professionalism in denying me the Smile. What a fucking mess.

The Palestinian uprising, or intifada, which broke out in December 1987 was a perfect example of the law of unintended consequences.2 Ariel Sharon and Menachem Begin had launched the invasion of Lebanon to quash the power of the PLO, and thereby end Palestinian nationalist opposition in the occupied West Bank and Gaza to the absorption of those territories into Israel. This would complete the colonial task of historic Zionism, creating a Jewish state in all of Palestine. The 1982 war did succeed in weakening the PLO, but the paradoxical effect was to strengthen the Palestinian national movement in Palestine itself, shifting the focus of action from outside to inside the country. After two decades of a relatively manageable occupation, Begin and Sharon, two fervent partisans of the Greater Israel ideal, had inadvertently sparked a new level of resistance to the process of colonization. Opposition to Israel’s landgrab and military rule has erupted within Palestine repeatedly and in different forms ever since.

The biggest fear for homeschooled children is that they will be unable to relate to their peers, will not have friends, or that they will otherwise be unable to interact with people in a normal way. Consider this: How many of your daily interactions with people are solely with people of your own birth year?  We’re not considering interactions with people who are a year or two older or a year or two younger, but specifically people who were born within a few months of your birthday. In society, it would be very odd to section people at work by their birth year and allow you to interact only with persons your same age. This artificial constraint would limit your understanding of people and society across a broader range of ages. In traditional schools, children are placed in grades artificially constrained by the child’s birth date and an arbitrary cut-off day on a school calendar. Every student is taught the same thing as everyone else of the same age primarily because it is a convenient way to manage a large number of students. Students are not grouped that way because there is any inherent special socialization that occurs when grouping children in such a manner. Sectioning off children into narrow bands of same-age peers does not make them better able to interact with society at large. In fact, sectioning off children in this way does just the opposite—it restricts their ability to practice interacting with a wide variety of people. So why do we worry about homeschooled children’s socialization?  The erroneous assumption is that the child will be homeschooled and will be at home, schooling in the house, all day every day, with no interactions with other people. Unless a family is remotely located in a desolate place away from any form of civilization, social isolation is highly unlikely. Every homeschooling family I know involves their children in daily life—going to the grocery store or the bank, running errands, volunteering in the community, or participating in sports, arts, or community classes. Within the homeschooled community, sports, arts, drama, co-op classes, etc., are usually sectioned by elementary, pre-teen, and teen groupings. This allows students to interact with a wider range of children, and the interactions usually enhance a child’s ability to interact well with a wider age-range of students. Additionally, being out in the community provides many opportunities for children to interact with people of all ages. When homeschooling groups plan field trips, there are sometimes constraints on the age range, depending upon the destination, but many times the trip is open to children of all ages. As an example, when our group went on a field trip to the Federal Reserve Bank, all ages of children attended. The tour and information were of interest to all of the children in one way or another. After the tour, our group dined at a nearby food court. The parents sat together to chat and the children all sat with each other, with kids of all ages talking and having fun with each other. When interacting with society, exposure to a wider variety of people makes for better overall socialization. Many homeschooling groups also have park days, game days, or play days that allow all of the children in the homeschooled community to come together and play. Usually such social opportunities last for two, three, or four hours. Our group used to have Friday afternoon “Park Day.”  After our morning studies, we would pack a picnic lunch, drive to the park, and spend the rest of the afternoon letting the kids run and play. Older kids would organize games and play with younger kids, which let them practice great leadership skills. The younger kids truly looked up to and enjoyed being included in games with the older kids.

In a traditional society, individuals are aware that they will need children to support them in the future, and so will spend their healthy young years starting a family and investing in giving their children the best life possible. But if long-term investment in general is disincentivized, if saving is likely to be counterproductive as money depreciates, this investment becomes less profitable. Further, as politicians sell people the lie that eternal welfare and retirement benefits are possible through the magic of the monetary printing press, the investment in a family becomes less and less valuable. Over time, the incentive to start a family declines and more and more people end up leading single lives. More marriages are likely to break down as partners are less likely to put in the necessary emotional, moral, and financial investment to make them work, while marriages that do survive will likely produce fewer children. The well-known phenomenon of the modern breakdown of the family cannot be understood without recognizing the role of unsound money allowing the state to appropriate many of the essential roles that the family has played for millennia, and reducing the incentive of all members of a family to invest in long-term familial relations.

Not long ago, Malthusian thinking was revived with a vengeance. In 1967 William and Paul Paddock wrote Famine 1975!, and in 1968 the biologist Paul R. Ehrlich wrote The Population Bomb, in which he proclaimed that “the battle to feed all of humanity is over” and predicted that by the 1980s sixty-five million Americans and four billion other people would starve to death. New York Times Magazine readers were introduced to the battlefield term triage (the emergency practice of separating wounded soldiers into the savable and the doomed) and to philosophy-seminar arguments about whether it is morally permissible to throw someone overboard from a crowded lifeboat to prevent it from capsizing and drowning everyone.10 Ehrlich and other environmentalists argued for cutting off food aid to countries they deemed basket cases.11 Robert McNamara, president of the World Bank from 1968 to 1981, discouraged financing of health care “unless it was very strictly related to population control, because usually health facilities contributed to the decline of the death rate, and thereby to the population explosion.” Population-control programs in India and China (especially under China’s one-child policy) coerced women into sterilizations, abortions, and being implanted with painful and septic IUDs.12

Let’s assume for a moment that we are starting to write a novel using Fred’s goal of wanting desperately to be first to climb the mountain. The reader now forms his story question. But the story has to start someplace, and it has to show dynamic forward movement. Let’s further assume, then, that Fred comes up with a game plan for his quest. He decides that his first step must be to borrow sufficient money to equip his expedition. So he walks into the Ninth District Bank of Cincinnati, sits down with Mr. Greenback, the loan officer, and boldly states his goal, thus: “Mr. Greenback, I want to be first to climb the mountain. But I must have capital to fund my expedition. Therefore I am here to convince you that you should lend me $75,000.” At this point, the reader sees clearly that this short-term goal relates importantly to the long-term story goal and the story question. So just as he formed a story question, the reader now forms a scene question, which again is a rewording of the goal statement: “Will Fred get the loan?” Here is a note so important that I want to set it off typographically: The scene question cannot be some vague, philosophical one such as, “Are bankers nice?” or “What motivates people like Fred?” The question is specific, relates to a definite, immediate goal, and can be answered with a simple yes or no.

Palestinians make up 20 percent of Israel’s population, and despite the fact that they live in their own homeland, Israel relegates them to second- or even third-class status. One of my classmates had discovered that more than fifty laws discriminated against the Palestinian citizens of Israel based solely on their ethnicity. Another discussed how government resources were disproportionately directed to Jews, leaving the Palestinians to suffer the worst living standards in Israeli society, with Palestinian children’s schools receiving only a fraction of the government spending given to Jewish schools. They also talked about how difficult it was for Palestinians to obtain land for a home, business, or agriculture because over 90 percent of the land in Israel was owned either by the state or by quasigovernmental agencies (like the Jewish National Fund) that discriminated against Palestinians. And they lamented the fact that if they or any of their relatives chose to marry a Palestinian from the West Bank or Gaza, they couldn’t pass on their Israeli citizenship to their spouse, thanks to the Citizenship and Entry into Israel Law. Their spouse wouldn’t even be able to gain residency status to live with them inside Israel. This meant they’d be forced to leave Israel and separate from their family in order to live with their spouse.

The inescapable and troublesome conclusion was that if there was a political entity in tenth-century Judea, it was a small tribal kingdom, and that Jerusalem was a fortified stronghold. It is possible that the tiny kingdom was ruled by a dynasty known as the House of David. An inscription discovered in Tell Dan in 1993 supports this assumption, but this kingdom of Judah was greatly inferior to the kingdom of Israel to its north, and apparently far less developed. The documents from el-Amarna, dating from the fourteenth century BCE, indicate that already there were two small city-states in the highlands of Canaan—Shechem and Jerusalem—and the Merneptah stela shows that an entity named Israel existed in northern Canaan at the end of the thirteenth century BCE. The plentiful archaeological finds unearthed in the West Bank during the 1980s reveal the material and social difference between the two mountain regions. Agriculture thrived in the fertile north, supporting dozens of settlements, whereas in the south there were only some twenty small villages in the tenth and ninth centuries BCE. The kingdom of Israel was already a stable and strong state in the ninth century, while the kingdom of Judah consolidated and grew strong only by the late eighth. There were always in Canaan two distinct, rival political entities, though they were culturally and linguistically related—variants of ancient Hebrew were spoken by the inhabitants of both.

If it was a mistake not to finish school (it wasn't!), it was an even worse mistake to go to work. ("Work! The word was so painful he couldn't bring himself to pronounce it," says a character in one of Cossery's books.) Until I was almost eighteen I had know freedom, a relative freedom, which is more than most people ever get to know. (It included "freedom of speech," which has hung over into my writing.) Then, like an idiot, I entered the lists. Overnight, as it were, the bit was put in my mouth, I was saddled, and the cruel rowels were dug into my tender flanks. It didn't take long to realize what a shithouse I had let myself into. Every new job I took was a step further in the direction of "murder, death and blight." I think of them still as prisons, whorehouses, lunatic asylums: the Atlas Portland Cement Co., the Federal Reserve Bank, the Bureau of Economic Research, the Charles Williams Mail Order House, the Western Union Telegraph Co., etc. To think that I wasted ten years of my life serving these anonymous lords and masters! That look of rapture in Pookie's eyes, that look of supreme admiration which I reserved for such as Eddie Carney, Lester Reardon, Johnny Paul: it was gone, lost, buried. It returned only when, much later, I reached the point where I was completely cut off, thoroughly destitute, utterly abandoned. When I became the nameless one, wandering as a mendicant through the streets of my own home town. Then I began to see again, to look with eyes of wonder, eyes of love, into the eyes of my fellow-man.

Fifty judges from various districts were asked to set sentences for defendants in hypothetical cases summarized in identical pre-sentence reports. The basic finding was that “absence of consensus was the norm” and that the variations across punishments were “astounding.” A heroin dealer could be incarcerated for one to ten years, depending on the judge. Punishments for a bank robber ranged from five to eighteen years in prison. The study found that in an extortion case, sentences varied from a whopping twenty years imprisonment and a $65,000 fine to a mere three years imprisonment and no fine. Most startling of all, in sixteen of twenty cases, there was no unanimity on whether any incarceration was appropriate. This study was followed by a series of others, all of which found similarly shocking levels of noise. In 1977, for example, William Austin and Thomas Williams conducted a survey of forty-seven judges, asking them to respond to the same five cases, each involving low-level offenses. All the descriptions of the cases included summaries of the information used by judges in actual sentencing, such as the charge, the testimony, the previous criminal record (if any), social background, and evidence relating to character. The key finding was “substantial disparity.” In a case involving burglary, for example, the recommended sentences ranged from five years in prison to a mere thirty days (alongside a fine of $100). In a case involving possession of marijuana, some judges recommended prison terms; others recommended probation.

These are a substantial number of “they” who once a year meet to deliberate the fate of national economies and, hence, entire populations. Many of them also believe in the mandate of eugenics, the practice of improving the human race to include reducing the population. Know that we do not have the names of every attendee. Only those who authorize the release of their names get mentioned in the public media. Daniel Estulin, author of The True Story of the Bilderberg Group, wrote that the group’s membership and meeting participants have represented a “who’s who” of the world power elite with familiar names like David Rockefeller, Henry Kissinger, Bill and Hillary Clinton, Gordon Brown, Angela Merkel, Alan Greenspan, Ben Bernanke, Larry Summers, Tim Geithner, Lloyd Blankfein, George Soros, Donald Rumsfeld, Rupert Murdoch, other heads of state, influential senators, congressmen, and parliamentarians, Pentagon and NATO brass, members of European royalty, selected media figures, and invited others. Such invitees have included President Obama along with many of his top officials. Estulin said that also represented at Bilderberg meetings are leading figures from the Council on Foreign Relations (CFR), IMF, World Bank, the Trilateral Commission, EU, and powerful central bankers from the Federal Reserve, the European Central Bank (ECB), and the Bank of England. David Rockefeller, the head of the Rockefeller family financial empire, is believed to have been a leading Bilderberg attendee for years. Other wealthy elite members merely send representatives.

On the other hand, white women face the pitfall of being seduced into joining the oppressor under the pretense of sharing power. This possibility does not exist in the same way for women of Color. The tokenism that is sometimes extended to us is not an invitation to join power; our racial "otherness" is a visible reality that makes that quite clear. For white women there is a wider range of pretended choices and rewards for identifying with patriarchal power and its tools. Today, with the defeat of ERA, the tightening economy, and increased conservatism, it is easier once again for white women to believe the dangerous fantasy that if you are good enough, pretty enough, sweet enough, quiet enough, teach the children to behave, hate the right people, and marry the right men, then you will be allowed to co-exist with patriarchy in relative peace, at least until a man needs your job or the neighborhood rapist happens along. And true, unless one lives and loves in the trenches it is difficult to remember that the war against dehumanization is ceaseless. But Black women and our children know the fabric of our lives is stitched with violence and with hatred, that there is no rest. We do not deal with it only on the picket lines, or in dark midnight alleys, or in the places where we dare to verbalize our resistance. For us, increasingly, violence weaves through the daily tissues of our living — in the supermarket, in the classroom, in the elevator, in the clinic and the schoolyard, from the plumber, the baker, the saleswoman, the bus driver, the bank teller, the waitress who does not serve us.

Equity financing, on the other hand, is unappealing to cooperators because it may mean relinquishing control to outside investors, which is a distinctly capitalist practice. Investors are not likely to buy non-voting shares; they will probably require representation on the board of directors because otherwise their money could potentially be expropriated. “For example, if the directors of the firm were workers, they might embezzle equity funds, refrain from paying dividends in order to raise wages, or dissipate resources on projects of dubious value.”105 In any case, the very idea of even partial outside ownership is contrary to the cooperative ethos. A general reason for traditional institutions’ reluctance to lend to cooperatives, and indeed for the rarity of cooperatives whether related to the difficulty of securing capital or not, is simply that a society’s history, culture, and ideologies might be hostile to the “co-op” idea. Needless to say, this is the case in most industrialized countries, especially the United States. The very notion of a workers’ cooperative might be viscerally unappealing and mysterious to bank officials, as it is to people of many walks of life. Stereotypes about inefficiency, unprofitability, inexperience, incompetence, and anti-capitalism might dispose officials to reject out of hand appeals for financial assistance from co-ops. Similarly, such cultural preconceptions may be an element in the widespread reluctance on the part of working people to try to start a cooperative. They simply have a “visceral aversion” to, and unfamiliarity with, the idea—which is also surely a function of the rarity of co-ops itself. Their rarity reinforces itself, in that it fosters a general ignorance of co-ops and the perception that they’re risky endeavors. Additionally, insofar as an anti-democratic passivity, a civic fragmentedness, a half-conscious sense of collective disempowerment, and a diffuse interpersonal alienation saturate society, this militates against initiating cooperative projects. It is simply taken for granted among many people that such things cannot be done. And they are assumed to require sophisticated entrepreneurial instincts. In most places, the cooperative idea is not even in the public consciousness; it has barely been heard of. Business propaganda has done its job well.106 But propaganda can be fought with propaganda. In fact, this is one of the most important things that activists can do, this elevation of cooperativism into the public consciousness. The more that people hear about it, know about it, learn of its successes and potentials, the more they’ll be open to it rather than instinctively thinking it’s “foreign,” “socialist,” “idealistic,” or “hippyish.” If successful cooperatives advertise their business form, that in itself performs a useful service for the movement. It cannot be overemphasized that the most important thing is to create a climate in which it is considered normal to try to form a co-op, in which that is seen as a perfectly legitimate and predictable option for a group of intelligent and capable unemployed workers. Lenders themselves will become less skeptical of the business form as it seeps into the culture’s consciousness.

Dr. Gilligan states: “I am suggesting that the only way to explain the causes of violence, so that we can learn how to prevent it, is to approach violence as a problem in public health and preventive medicine, and to think of violence as a symptom of life-threatening pathology, which, like all form of illness, has an etiology or cause, a pathogen.”160 In Dr. Gilligan's diagnosis he makes it very clear that the greatest cause of violent behavior is social inequality, highlighting the influence of shame and humiliation as an emotional characteristic of those who engage in violence.161 Thomas Scheff, a emeritus professor of sociology in California stated that “shame was the social emotion”.162 Shame and humiliation can be equated with the feelings of stupidity, inadequacy, embarrassment, foolishness, feeling exposed, insecurity and the like – all largely social or comparative in their origin. Needless to say, in a global society with not only growing income disparity but inevitably “self-worth” disparity - since status is touted as directly related to our “success” in our jobs, bank account levels and the like - it is no mystery that feelings of inferiority, shame and humiliation are staples of the culture today. The consequence of those feelings have very serious implications for public health, as noted before, including the epidemic of the behavioral violence we now see today in its various complex forms. Terrorism, local school and church shootings, along with other extreme acts that simply did not exist before in the abstractions they find context today, reveals a unique evolution of violence itself. Dr. Gilligan concludes: “If we wish to prevent violence, then, our agenda is political and economic reform.”163

But among those 150 people, Dunbar stressed that there are hierarchical "layers of friendship" determined by how much time you spend with the person. It's kind of like a wedding cake where the topmost layer consist of only one or two people—say, a spouse and best friend—with whom you are most intimate and interact daily. The next layer can accommodate at most four people for whom you have great affinity, affection, and concern. Friendships at this level require weekly attention to maintain. Out from there, the tiers contain more casual friends who you see less often and thus, your ties are more tenuous. Without consistent contact, they easily fall into the realm of acquaintance. At this point, you are friendly but not really friends, because you've lost touch with who they are, which is always evolving. You could easily have a beer with them, but you wouldn't miss them terribly, or even notice right way, if they moved out of town. Nor would they miss you. An exception might be friends with whom you feel like you can pick up right where you left or even though you haven't talked to them for ages. According to Dunbar, these are usually friendships forged through extensive and deep listening at some point in your life, usually during an emotionally wrought time, like during college or early adulthood, or maybe during a personal crisis like an illness or divorce. It's almost as if you have banked a lot of listening that you can draw on later to help you understand and relate to that person even after significant time apart. Put another way, having listened well and often to someone in the past makes it easier to get back on the same wavelength when you get out of sync, perhaps due to physical separation or following a time of emotional distance caused by an argument.

The first cut at the problem—the simplest but still eye-opening—is to ask how much income would have to be transferred from rich countries to poor countries to lift all of the world’s extreme poor to an income level sufficient to meet basic needs. Martin Ravallion and his colleagues on the World Bank’s poverty team have gathered data to address this question, at least approximately. The World Bank estimates that meeting basic needs requires $1.08 per day per person, measured in 1993 purchasing-power adjusted prices. Using household surveys, the Ravallion team has calculated the numbers of poor people around the world who live below that threshold, and the average incomes of those poor. According to the Bank’s estimates, 1.1 billion people lived below the $1.08 level as of 2001, with an average income of $0.77 per day, or $281 per year. More important, the poor had a shortfall relative to basic needs of $0.31 per day ($1.08 minus $0.77), or $113 per year. Worldwide, the total income shortfall of the poor in 2001 was therefore $113 per year per person multiplied by 1.1 billion people, or $124 billion. Using the same accounting units (1993 purchasing power adjusted U.S. dollars), the income of the twenty-two donor countries of the Development Assistance Committee (DAC) in 2001 was $20.2 trillion. Thus a transfer of 0.6 percent of donor income, amounting to $124 billion, would in theory raise all 1.1 billion of the world’s extreme poor to the basic-needs level. Notably, this transfer could be accomplished within the 0.7 percent of the GNP target of the donor countries. That transfer would not have been possible in 1980, when the numbers of the extreme poor were larger (1.5 billion) and the incomes of the rich countries considerably smaller. Back in 1981, the total income gap was around $208 billion (again, measured in 1993 purchasing power prices) and the combined donor country GNP was $13.2 trillion. Then it would have required 1.6 percent of donor income in transfers to raise the extreme poor to the basic-needs level.

CONGRUENCE Have you ever felt stuck? Maybe you haven’t recruited anyone in a while, and you just can’t seem to break the streak of no success. This causes you to not feel like picking up the phone and getting any more rejection. You don’t feel like talking about the business that day, so you don’t. Can you relate? This is critical for you to always remember. You cannot avoid rejection. Ninety percent of people are always going to tell you that your business is not for them. You have to go through the no’s to get to the yeses. There is no other way around it. You may not like making calls and accepting no’s, but you will like the results and income you will get by doing it consistently enough. Bank on it. So here’s what happens to everyone, myself included. You have a bad day, where everyone says no. You wake up the next day and you just cannot get yourself to make some calls. The whole day goes by and you did nothing to grow your business. The next day, you have a nagging little feeling of guilt about doing nothing the day before, so you start to internalize it. You question whether you know what you are doing. Does the business work? Is it worth the effort? You know the answer is yes, so you don’t quit — but you also do no activity. The next day, that little guilt feeling has mushroomed even bigger. And as time goes on, the guilt turns into self-loathing. You get down on yourself for not performing like you know you could and should. You begin to beat yourself up and even compare yourself to others. Sadly, this can become a downward spiral that is self-inflicted and hard to break out of. Without being wise enough to seek direct help from an upline expert, some people never recover. Instead of fixing their mindset and bringing their goals and the actions back into alignment — getting congruent — they quit the business. These are the blamers who walk the Earth claiming the business didn’t work. No! They stopped working! Don’t be a blamer. Be congruent. Make your activity match up with your WHY in the business. Pick up the phone and snap back into action. Don’t allow yourself to be depressed, because it is a form of depression. Your upline can help you snap out of it. How

We would like to go and see the field that Millet…shows us in his Springtime, we would like Claude Monet to take us to Giverny, on the banks of the Seine, to that bend of the river which he hardly lets us distinguish through the morning mist. Yet in actual fact, it was the mere chance of a connection or family relation that give…Millet or Monet occasion to pass or to stay nearby, and to choose to paint that road, that garden, that field, that bend in the river, rather than some other. What makes them appear other and more beautiful than the rest of the world is that they carry on them, like some elusive reflection, the impression they afforded to a genius, and which we might see wandering just as singularly and despotically across the submissive, indifferent face of all the landscapes he may have painted.’ It should not be Illiers-Combray that we visit: a genuine homage to Proust would be to look at our world through his eyes, not look at his world through our eyes. To forget this may sadden us unduly. When we feel interest to be so dependent on the exact locations where certain great artists found it, a thousand landscapes and areas of experience will be deprived of possible interest, for Monet only looked at a few stretches of the earth, and Proust’s novel, though long, could not comprise more than a fraction of human experience. Rather than learn the general lesson of art’s attentiveness, we might seek instead the mere objects of its gaze, and would then be unable to do justice to parts of the world which artists had not considered. As a Proustian idolater, we would have little time for desserts which Proust never tasted, for dresses he never described, nuances of love he didn’t cover and cities he didn’t visit, suffering instead from an awareness of a gap between our existence and the realm of artistic truth and interest. The moral? There is no great homage we could pay Proust than to end up passing the same verdict on him as he passed on Ruskin, namely, that for all its qualities, his work must eventually also prove silly, maniacal, constraining, false and ridiculous to those who spend too long on it. ‘To make [reading] into a discipline is to give too large a role to what is only an incitement. Reading is on the threshold of the spiritual life; it can introduce us to it: it does not constitute it.

Anyone want to help me start PAPA, Parents for Alternatives to Punishment Association? (There is already a group in England called ‘EPPOCH’ for end physical punishment of children.) In Kohn’s other great book Beyond Discipline: From Compliance to Community, he explains how all punishments, even the sneaky, repackaged, “nice” punishments called logical or natural consequences, destroy any respectful, loving relationship between adult and child and impede the process of ethical development. (Need I mention Enron, Martha Stewart, the Iraqi Abu Ghraib prisoner abuse scandal or certain car repairmen?) Any type of coercion, whether it is the seduction of rewards or the humiliation of punishment, creates a tear in the fabric of relational connection between adults and children. Then adults become simply dispensers of goodies and authoritarian dispensers of controlling punishments. The atmosphere of fear and scarcity grows as the sense of connectedness that fosters true and generous cooperation, giving from the heart, withers. Using punishments and rewards is like drinking salt water. It does create a short-term relief, but long-term it makes matters worse. This desert of emotional connectedness is fertile ground for acting-out to get attention. Punishment is a use of force, in the negative sense of that word, not an expression of true power or strength. David R. Hawkins, M.D., Ph.D. author of the book Power v. Force writes “force is the universal substitute for truth. The need to control others stems from lack of power, just as vanity stems from lack of self-esteem. Punishment is a form of violence, an ineffective substitute for power. Sadly though parents are afraid not to hit and punish their children for fear they will turn out to be bank robbers. But the truth may well be the opposite. Research shows that virtually all felony offenders were harshly punished as children. Besides children learn thru modeling. Punishment models the tactic of deliberately creating pain for another to get something you want to happen. Punishment does not teach children to care about how their actions might create pain for another, it teaches them it is ok to create pain for another if you have the power to get away with it. Basically might makes right. Punishment gets children to focus on themselves and what is happening to them instead of developing empathy for how their behavior affects another. Creating

The Ten Ways to Evaluate a Market provide a back-of-the-napkin method you can use to identify the attractiveness of any potential market. Rate each of the ten factors below on a scale of 0 to 10, where 0 is terrible and 10 fantastic. When in doubt, be conservative in your estimate: Urgency. How badly do people want or need this right now? (Renting an old movie is low urgency; seeing the first showing of a new movie on opening night is high urgency, since it only happens once.) Market Size. How many people are purchasing things like this? (The market for underwater basket-weaving courses is very small; the market for cancer cures is massive.) Pricing Potential. What is the highest price a typical purchaser would be willing to spend for a solution? (Lollipops sell for $0.05; aircraft carriers sell for billions.) Cost of Customer Acquisition. How easy is it to acquire a new customer? On average, how much will it cost to generate a sale, in both money and effort? (Restaurants built on high-traffic interstate highways spend little to bring in new customers. Government contractors can spend millions landing major procurement deals.) Cost of Value Delivery. How much will it cost to create and deliver the value offered, in both money and effort? (Delivering files via the internet is almost free; inventing a product and building a factory costs millions.) Uniqueness of Offer. How unique is your offer versus competing offerings in the market, and how easy is it for potential competitors to copy you? (There are many hair salons but very few companies that offer private space travel.) Speed to Market. How soon can you create something to sell? (You can offer to mow a neighbor’s lawn in minutes; opening a bank can take years.) Up-front Investment. How much will you have to invest before you’re ready to sell? (To be a housekeeper, all you need is a set of inexpensive cleaning products. To mine for gold, you need millions to purchase land and excavating equipment.) Upsell Potential. Are there related secondary offers that you could also present to purchasing customers? (Customers who purchase razors need shaving cream and extra blades as well; buy a Frisbee and you won’t need another unless you lose it.) Evergreen Potential. Once the initial offer has been created, how much additional work will you have to put in in order to continue selling? (Business consulting requires ongoing work to get paid; a book can be produced once and then sold over and over as is.) When you’re done with your assessment, add up the score. If the score is 50 or below, move on to another idea—there are better places to invest your energy and resources. If the score is 75 or above, you have a very promising idea—full speed ahead. Anything between 50 and 75 has the potential to pay the bills but won’t be a home run without a huge investment of energy and resources.

According to folk belief that is reflected in the stories and poems, a being who is petrified man and he can revive. In fairy tales, the blind destructiveness of demonic beings can, through humanization psychological demons, transformed into affection and love of the water and freeing petrified beings. In the fairy tale " The Three Sisters " Mezei de-stone petrified people when the hero , which she liked it , obtain them free . In the second story , the hero finding fairy , be petrified to the knee , but since Fairy wish to marry him , she kissed him and freed . When entering a demonic time and space hero can be saved if it behaves in a manner that protects it from the effects of demonic forces . And the tales of fortune Council hero to not turn around and near the terrifying challenges that will find him in the demon area . These recommendations can be tracked ancient prohibited acts in magical behavior . In one short story Penina ( evil mother in law ) , an old man , with demonic qualities , sheds , first of two brothers and their sister who then asks them , iron Balot the place where it should be zero as chorus, which sings wood and green water . When the ball hits the ground resulting clamor and tumult of a thousand voices, but no one sees - the brothers turned , despite warnings that it should not , and was petrified . The old man has contradictory properties assistants and demons . Warning of an old man in a related one variant is more developed - the old man tells the hero to be the place where the ball falls to the reputation of stones and hear thousands of voices around him to cry Get him, go kill him, swang with his sword , stick go ! . The young man did not listen to warnings that reveals the danger : the body does not stones , during the site heroes - like you, and was petrified . The initiation rite in which the suffering of a binding part of the ritual of testing allows the understanding of the magical essence of the prohibition looking back . MAGICAL logic respectful direction of movement is particularly strong in relation to the conduct of the world of demons and the dead . From hero - boys are required to be deaf to the daunting threats of death and temporarily overcome evil by not allowing him to touch his terrible content . The temptation in the case of the two brothers shows failed , while the third attempt brothers usually releases the youngest brother or sister . In fairy tales elements of a rite of passage blended with elements of Remembrance lapot . Silence is one way of preventing the evil demon in a series of ritual acts , thoughts Penina Mezei . Violation of the prohibition of speech allows the communication of man with a demon , and abolishes protection from him . In fairy tales , this ritual obligations lost connection with specific rituals and turned into a motive of testing . The duration of the ban is extended in the spirit of poetic genre in years . Dvanadestorica brothers , to twelve for saving haunted girls , silent for almost seven years, but eleven does not take an oath and petrified ; twelfth brother died three times , defeat the dragon , throw an egg at a crystal mountain , and save the brothers ( Penina Mezei : 115 ) . Petrify in fairy tales is not necessarily caused by fear , or impatience uneducated hero . Self-sacrificing hero resolves accident of his friend's seemingly irrational moves, but he knows that he will be petrified if it is to warn them in advance , he avoids talking . As his friend persuaded him to explain his actions , he is petrified ( Penina Mezei : 129 ) . Petrified friends can save only the blood of a child , and his " borrower " Strikes sacrifice their own child and revives his rescuers . A child is a sacrificial object that provides its innocence and purity of the sacrificial gift of power that allows the return of the forces of life.

Half way through life a thoughtful person must undertake an honest assessment of their life. I am now fifty years old. I am rapidly turning into a dry stalk, my breath is sour, and I am beginning to smell of the grave. I melancholy project that in all probability I have now existed about half the period of time that I shall remain in this sublunary world. Resembling the trajectory of other men reaching middle age, my upward ascent in life crested and now I am commencing the meteoric downhill descent. Distinct from Americas’ pioneers and other luminaries whom played an important role in expanding our knowledge and deepened our appreciation of nature, I have done nothing to advance the human condition. I have not mapped any new territory, contributed to the arts or sciences, or expanded our comprehension of mathematics or the natural sciences: astronomy, biology, chemistry, the Earth sciences, and physics. I did not contribute to medicine, cognitive science, behavioral science, social science, or the humanities. Unlike revered social leaders whom advocated peaceful relations with all people, I remained mute while domestic and international conflicts sundered communities. I created no historical existence; I exist only as an introspective being. I have not added one iota to the bank of knowledge of succeeding generations. I have not added any quarter of happiness to other people. My contribution to the human race is nil. In all probability, I will flame out without leaving a lasting trace of my mundane personal existence.

Contact was the part of the Culture that handled more or less every aspect of the Culture’s interactions with everything and everybody that wasn’t the Culture, from the investigation of unexplored star systems to relations with the entire panoply of other civilisations at every developmental level, from those still unable to scrape together the plan for a world government or a functioning space elevator to the elegantly otiose but nevertheless potentially deeply powerful Elders and the still more detached-from-reality Sublimed, where any vestige or trace of such exotic entities remained. Special Circumstances was, in effect, the Contact section’s espionage wing.

Nothing but total capitulation by the Sandinistas would suffice for Reagan. Thus, as the ICJ related, revolutionary leader and then Nicaraguan president Daniel Ortega made it clear that he would give in to all of Reagan’s stated demands (i.e., that he would send home the Cuban and Russians advisers and not support the FMLN guerillas in El Salvador) in return for only “one thing: that they don’t attack us, that the United States stop arming and financing … the gangs that kill our people, burn our crops and force us to divert enormous human and economic resources into war when we desperately need them for development.”10 But Reagan would not relent until the Sandinistas and Ortega were out of power altogether. Ultimately, Reagan’s terror campaign would work, with the Nicaraguan people finally crying uncle in 1990, and voting the Sandinistas out of power. The Sandinistas would be voted back in, however, in 2007, and they remain the governing party to this day, with Daniel Ortega as president. Meanwhile, the United States continues to punish Nicaragua, the most stable and prosperous country in Central America after successfully breaking off from US domination, for its impertinence in overthrowing the Somoza dictatorship, having the audacity to survive the Contra War which claimed fifty thousand lives, voting back in the Sandinistas, and for now working with the Chinese to build the canal that the United States has coveted for so long. Thus, as I write these lines, the US Senate is considering passage of the “Nica Act,” already passed by the House, which would cut Nicaragua off from multilateral loans (e.g., from the World Bank, IMF). This, apparently, will show Nicaragua and other countries what they get for deciding to go their own way.

By April 23, 2014, thirty-four cases and six deaths from Ebola in Liberia were recorded. By mid-June, 16 more people died. At the time it was thought to be malaria but when seven more people died the following month tests showed that was the Ebola virus. The primary reason for the spreading of the Ebola virus was the direct contact from one person to the next and the ingesting of bush meat. Soon doctors and nurses also became infected. On July 2, 2014, the head surgeon of Redemption Hospital was treated at the JFK Medical Center in Monrovia, where he died from the disease. His death was followed by four nurses at Phebe Hospital in Bong County. At about the same time two U.S. health care workers, Dr. Kent Brantly and a nurse were also infected with the disease. However, they were medically evacuated from Liberia to the United States for treatment where they made a full recovery. Another doctor from Uganda was not so lucky and died from the disease. Arik Air suspended all flights between Nigeria and Liberia and checkpoints were set up at all the ports and border crossings. In August of 2014, the impoverished slum area of West Point was cordoned off. Riots ensued as protesters turned violent. The looting of a clinic of its supplies, including blood-stained bed sheets and mattresses caused the military to shoot into the crowds. Still more patients became infected, causing a shortage of staff and logistics. By September there had been a total of 3,458 cases of which there were 1,830 deaths according to the World Health Organization. Hospitals and clinics could no longer handle this crisis and patients who were treated outside died before they could get help. There were cases where the bodies were just dumped into the Mesurado River. The Ivory Coast out of compassion, opened carefully restricted humanitarian routes and resumed the previously suspended flights to Liberia. Ellen Johnson Sirleaf the president of Libera sent a letter to President Barack Obama concerning the outbreak of Ebola that was on the verge of overrunning her country. The message was desperate, “I am being honest with you when I say that at this rate, we will never break the transmission chain and the virus will overwhelm us.” Having been a former finance minister and World Bank official, Johnson Sirleaf was not one for histrionics however she recognized the pandemic as extremely dangerous. The United States responded to her request and American troops came in and opened a new 60-bed clinic in the Sierra Leone town of Kenema, but by then the outbreak was described as being out of control. Still not understanding the dangerous contagious aspects of this epidemic at least eight Liberian soldiers died after contracting the disease from a single female camp follower. In spite of being a relatively poor country, Cuba is one of the most committed in deploying doctors to crisis zones. It sent more than 460 Cuban doctors and nurses to West Africa. In October Germany sent medical supplies and later that month a hundred additional U.S. troops arrived in Liberia, bringing the total to 565 to assist in the fight against the deadly disease. To understand the severity of the disease, a supply order was placed on October 15th for a 6 month supply of 80,000 body bags and 1 million protective suits. At that time it was reported that 223 health care workers had been infected with Ebola, and 103 of them had died in Liberia. Fear of the disease also slowed down the functioning of the Liberian government. President Sirleaf, had in an emergency announcement informed absent government ministers and civil service leaders to return to their duties. She fired 10 government officials, including deputy ministers in the central government who failed to return to work.

Late on March 17, 1959, the Fourteenth Dalai Lama changed out of his customary maroon robes into khaki pants and a long black coat. Knowing he could carry little, he hastily rolled up a favorite thangka of the Second Dalai Lama and slid it into a small bag. With this in hand, he slipped out the main gates of the Norbulinka Palace under the cover of darkness. Several trusted officials whisked him through the crowds, which had gathered there in an attempt to protect their revered leader, and down to the banks of the Kyichu River where several small coracles awaited to row him and his small group across the river. Early the next morning, having reached the 16,000-foot Che-la Pass overlooking the Lhasa valley, he paused, turned, and cast a long last glance over the Tibetan capital. Implored to hurry by his small guard unit, he quickly began the descent and his march south to the Indian border.1 It would be the last time he would see his city.

The examples of Singapore, Hong Kong and South Korea show how planning gain and the spillover effects of income and population growth on land values can be partly socialised to benefit the nation, rather than a relatively concentrated class of landowners. In Germany, for example, the planning law freezes the value of the land when the local municipality decides to specify an area for residential construction.1 The uplift in land values then finances infrastructure. A national public land bank, as in Korea, or public or community-owned land banks able to acquire land at existing use values can achieve the same objective. In many respects the UK’s New Town building programme from 1946 to 1970 was also able to do this.

Again starting with an unusual Y-chromosome, they noticed its occurrence in a related set of surnames that were linked to branches of the Ui Neill, the clan that had held the High Kingship at Tara, and had expelled the Dál Riata to Argyll. The Ui Neill equivalent of Somerled was Niall Noigiallach, better known as Niall of the Nine Hostages, who lived in the second half of the fourth century AD. This was a time when the Romans were beginning to withdraw from mainland Britain. According to legend, Niall raided and harassed western Britain and specialized in capturing and then ransoming high-ranking hostages, hence his soubriquet. His most famous captive was one Succat, who went on to become St Patrick. Niall’s military exploits carried him over the sea to Scotland, where he fought the Picts who were trying to retake the recent Irish colonies of Dalriada. It was during a raid even further afield, in France, that an arrow from the bow of an Irish rival killed Niall on the banks of the River Loire in AD 405. Niall was succeeded in the High Kingship by his nephew, Dathi, his father’s brother’s son. This was typical of the Gaelic tradition of derbhfine, the rules of inheritance that chose the new king from among the direct male relatives of the old. This served to ensure the patrilineal inheritance of the High Kingship itself

The news isn’t all positive in relation to regional accents. There are pockets of resistance to the general trend, some quite influential. A report in the Independent (7 March 2017) was headed: Banking jobs denied to young people due to having ‘wrong accents

It is good, to be related to the girlies of Mohammad. Thank you, for your great bank account!!

Loans NRIs can give loans to resident Indians on a repatriable or non-repatriable basis. NRIs can also receive loans from residents. Loan from NRIs in foreign currency or on a repatriable basis A resident Indian can borrow up to US dollars 250,000 from NRI close relatives on a repatriation basis i.e. on repayment, the NRI can credit the funds in an NRE account and take this money back without any restrictions. The NRI should be a close relative of the borrower. Please check ‘Who is your relative’ for details. The amount of loan should be received by an inward remittance or by debit to the NRE/FCNR account. The loan should be a minimum of 1 year and without any interest. The funds cannot be used for agricultural/plantation/real estate business or for relending. Income: As the loan should be interest-free, no income can be generated. Taxability: As there is no income, there is no tax. Loan from NRIs in Indian rupees or on a non-repatriable basis A resident, not being a company incorporated in India, may borrow in rupees from an NRI on a non- repatriation basis. The period of loan should be 3 years or less and the rate of interest should not exceed 2% over the prevailing bank rate at the time of the loan. The loan has to be utilized for meeting the borrower’s personal requirement or for his business purposes. The funds cannot be used for agricultural/plantation/real estate business or for relending or for investment in shares, securities or immovable property. For example, Ms. Isumati has given an unsecured loan to her father’s firm earning 15% interest. If she goes to the UK for further studies and becomes an NRI, while she may continue with the loan, RBI rules would apply. The funds cannot be used for real estate business and if the bank rate is 10%, she cannot be paid more than 12% interest on her loan. Her father would also need to deduct TDS @ 30.9% on the interest. Income: Income from loans given to residents is interest. Taxability: The interest income on loans given is taxable for NRIs. Loans to NRIs NRIs are allowed to borrow from a bank/authorized