Banking Job Quotes

You are not your job, you're not how much money you have in the bank. You are not the car you drive. You're not the contents of your wallet. You are not your fucking khakis. You are all singing, all dancing crap of the world.

Your comfort zone is a place where you keep yourself in a self-illusion and nothing can grow there but your potentiality can grow only when you can think and grow out of that zone.

The world is like a ride in an amusement park, and when you choose to go on it you think it's real because that's how powerful our minds are. The ride goes up and down, around and around, it has thrills and chills, and it's very brightly colored, and it's very loud, and it's fun for a while. Many people have been on the ride a long time, and they begin to wonder, "Hey, is this real, or is this just a ride?" And other people have remembered, and they come back to us and say, "Hey, don't worry; don't be afraid, ever, because this is just a ride." And we … kill those people. "Shut him up! I've got a lot invested in this ride, shut him up! Look at my furrows of worry, look at my big bank account, and my family. This has to be real." It's just a ride. But we always kill the good guys who try and tell us that, you ever notice that? And let the demons run amok … But it doesn't matter, because it's just a ride. And we can change it any time we want. It's only a choice. No effort, no work, no job, no savings of money. Just a simple choice, right now, between fear and love. The eyes of fear want you to put bigger locks on your doors, buy guns, close yourself off. The eyes of love instead see all of us as one. Here's what we can do to change the world, right now, to a better ride. Take all that money we spend on weapons and defenses each year and instead spend it feeding and clothing and educating the poor of the world, which it would pay for many times over, not one human being excluded, and we could explore space, together, both inner and outer, forever, in peace.

I feel the way bank robbers must feel before they go out on that last job that ends up getting them all killed. That is to say, optimistic.

When the capital development of a country becomes a by-product of the activities of a casino, the job is likely to be ill-done

Do you understand what I'm saying?" shouted Moist. "You can't just go around killing people!" "Why Not? You Do." The golem lowered his arm. "What?" snapped Moist. "I do not! Who told you that?" "I Worked It Out. You Have Killed Two Point Three Three Eight People," said the golem calmly. "I have never laid a finger on anyone in my life, Mr Pump. I may be–– all the things you know I am, but I am not a killer! I have never so much as drawn a sword!" "No, You Have Not. But You Have Stolen, Embezzled, Defrauded And Swindled Without Discrimination, Mr Lipvig. You Have Ruined Businesses And Destroyed Jobs. When Banks Fail, It Is Seldom Bankers Who Starve. Your Actions Have Taken Money From Those Who Had Little Enough To Begin With. In A Myriad Small Ways You Have Hastened The Deaths Of Many. You Do Not Know Them. You Did Not See Them Bleed. But You Snatched Bread From Their Mouths And Tore Clothes From Their Backs. For Sport, Mr Lipvig. For Sport. For The Joy Of The Game.

Time moves so fucking fast. Blink, and you’re halfway through school, paralyzed by the idea that whatever you choose to do, it means choosing not to do a hundred other things, so you change your major half a dozen times before finally ending up in theology, and for a while it seems like the right path, but that’s really just a reflex to the pride on your parents’ faces, because they assume they’ve got a budding rabbi, but the truth is, you have no desire to practice, you see the holy texts as stories, sweeping epics, and the more you study, the less you believe in any of it. Blink, and you’re twenty-four, and you travel through Europe, thinking—hoping—that the change will spark something in you, that a glimpse of the greater, grander world will bring your own into focus. And for a little while, it does. But there’s no job, no future, only an interlude, and when it’s over, your bank account is dry, and you’re not any closer to anything. Blink, and you’re twenty-six, and you’re called into the dean’s office because he can tell that your heart’s not in it anymore, and he advises you to find another path, and he assures you that you’ll find your calling, but that’s the whole problem, you’ve never felt called to any one thing. There is no violent push in one direction, but a softer nudge a hundred different ways, and now all of them feel out of reach. Blink and you’re twenty-eight, and everyone else is now a mile down the road, and you’re still trying to find it, and the irony is hardly lost on you that in wanting to live, to learn, to find yourself, you’ve gotten lost.

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.

Your VISION and your self-willingness is the MOST powerful elements to conquer your goal

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.

We want you, not your money. As long as you're at fight club, you're not how much money you've got in the bank. You're not your job. You're not your family, and you're not who you tell yourself. You're not your name. You're not your problems. You're not your age. You are not your hopes. You will not be saved. We are all going to die, someday.

A miracle is a single mom who works two jobs to care for her kids and still helps them with their homework at night. A miracle is a child donating all the money in their piggy bank to help victims of Hurricane Katrina. That's where you'll find the hand and face of God.

How are you coming with your home library? Do you need some good ammunition on why it's so important to read? The last time I checked the statistics...I think they indicated that only four percent of the adults in this country have bought a book within the past year. That's dangerous. It's extremely important that we keep ourselves in the top five or six percent. In one of the Monthly Letters from the Royal Bank of Canada it was pointed out that reading good books is not something to be indulged in as a luxury. It is a necessity for anyone who intends to give his life and work a touch of quality. The most real wealth is not what we put into our piggy banks but what we develop in our heads. Books instruct us without anger, threats and harsh discipline. They do not sneer at our ignorance or grumble at our mistakes. They ask only that we spend some time in the company of greatness so that we may absorb some of its attributes. You do not read a book for the book's sake, but for your own. You may read because in your high-pressure life, studded with problems and emergencies, you need periods of relief and yet recognize that peace of mind does not mean numbness of mind. You may read because you never had an opportunity to go to college, and books give you a chance to get something you missed. You may read because your job is routine, and books give you a feeling of depth in life. You may read because you did go to college. You may read because you see social, economic and philosophical problems which need solution, and you believe that the best thinking of all past ages may be useful in your age, too. You may read because you are tired of the shallowness of contemporary life, bored by the current conversational commonplaces, and wearied of shop talk and gossip about people. Whatever your dominant personal reason, you will find that reading gives knowledge, creative power, satisfaction and relaxation. It cultivates your mind by calling its faculties into exercise. Books are a source of pleasure - the purest and the most lasting. They enhance your sensation of the interestingness of life. Reading them is not a violent pleasure like the gross enjoyment of an uncultivated mind, but a subtle delight. Reading dispels prejudices which hem our minds within narrow spaces. One of the things that will surprise you as you read good books from all over the world and from all times of man is that human nature is much the same today as it has been ever since writing began to tell us about it. Some people act as if it were demeaning to their manhood to wish to be well-read but you can no more be a healthy person mentally without reading substantial books than you can be a vigorous person physically without eating solid food. Books should be chosen, not for their freedom from evil, but for their possession of good. Dr. Johnson said: "Whilst you stand deliberating which book your son shall read first, another boy has read both.

Your security is not your job, or your bank account, or your investments, or your spouse or parents. Your security is your ability to connect with the cosmic power that creates all things.

his face, though lined, bore few traces of anxiety. But, perhaps the confidential bachelor clerks in Tellson's Bank were principally occupied with the cares of other people; and perhaps second-hand cares, like second-hand clothes, come easily off and on.

To experience positive/healthy emotions you don’t need a big house or a nice car or a managerial job or a million dollar in your bank.

If we were not impressed by job titles, suits, and jargon, we would demand that financial advisors show us their personal bank statements before they tell us what we could or should do with our own money.

We have a chance to do something extraordinary. As we head out of this pandemic we can change the world. Create a world of love. A world where we are kind to each other. A world were we are kind no matter what class, race, sexual orientation, what religion or lack of or what job we have. A world we don't judge those at the food bank because that may be us if things were just slightly different. Let love and kindness be our roadmap.

I say, they [those at the top] don't have to conspire, because they all think alike. The president of General Motors and the president of Chase Manhattan Bank really are not going to disagree much on anything, nor would the editor of the New York Times disagree with them. They all tend to think quite alike, otherwise they would not be in those jobs.

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.

You might discover that, nationwide, America's food banks are experiencing 'a torrent of need which [they] cannot meet' and that, according to a survey conducted by the U.S. Conference of Mayors, 67 percent of the adults requesting emergency food aid are people with jobs.

He walked straight out of college into the waiting arms of the Navy. They gave him an intelligence test. The first question on the math part had to do with boats on a river: Port Smith is 100 miles upstream of Port Jones. The river flows at 5 miles per hour. The boat goes through water at 10 miles per hour. How long does it take to go from Port Smith to Port Jones? How long to come back? Lawrence immediately saw that it was a trick question. You would have to be some kind of idiot to make the facile assumption that the current would add or subtract 5 miles per hour to or from the speed of the boat. Clearly, 5 miles per hour was nothing more than the average speed. The current would be faster in the middle of the river and slower at the banks. More complicated variations could be expected at bends in the river. Basically it was a question of hydrodynamics, which could be tackled using certain well-known systems of differential equations. Lawrence dove into the problem, rapidly (or so he thought) covering both sides of ten sheets of paper with calculations. Along the way, he realized that one of his assumptions, in combination with the simplified Navier Stokes equations, had led him into an exploration of a particularly interesting family of partial differential equations. Before he knew it, he had proved a new theorem. If that didn't prove his intelligence, what would? Then the time bell rang and the papers were collected. Lawrence managed to hang onto his scratch paper. He took it back to his dorm, typed it up, and mailed it to one of the more approachable math professors at Princeton, who promptly arranged for it to be published in a Parisian mathematics journal. Lawrence received two free, freshly printed copies of the journal a few months later, in San Diego, California, during mail call on board a large ship called the U.S.S. Nevada. The ship had a band, and the Navy had given Lawrence the job of playing the glockenspiel in it, because their testing procedures had proven that he was not intelligent enough to do anything else.

Autumn is a momentum of the natures golden beauty…, so the same it’s time to find your momentum of life

Your traditional EDUCATION is not going to CHANGE your life but the life you are experiencing that can change you. Choose a POSITIVE life STYLE with positive ATTITUDE which could bring you a life with HAPPINESS and WISDOM

Your every positive action in your life will increase your self-esteem and this self-esteem will boost you for more positive action to take you on success

How you think and create your inner world that you gonna become in your outer world. Your inner believe manifest you in the outside

If I learned anything about her it was that she lived with a vehemence most of us never have the courage for." Banks tells me. "But there was something about her that precluded an ordinary existence. In some ways, I'm not surprised she's dead. A job, husband, kids, a beach house? That wasn't her. I can't explain why, except she was more like a force that whipped through life, defying logic, scaring you, even hurting you because she was everything you wanted to be, but you knew you'd never have the guts - and then she was gone. That was my experience with Ashley Cordova.

white criminals commit the biggest crimes.a brother might rob a bank. a white man will rob a pension fund. the brother is going to get ten to fifteen years because he had a gun. the white guy is going to get a congressional hearing because he had a job and a nice suit.

This left Musk searching for an industry that had tons of money and inefficiencies that he and the Internet could exploit. Musk began thinking back to his time as an intern at the Bank of Nova Scotia. His big takeaway from that job, that bankers are rich and dumb, now had the feel of a massive opportunity.

But I was right and the real world seemed increasingly nonsensical. Why train for years to do a job you bitched about all day? Didn't it make more sense to follow your dreams and maybe do a little good at the same time? I didn't want to be a lawyer or a bank manager or a goddamn burger flipper. We only get one life and I wanted mine to be exciting...

A bank with a reputation for mercy is like a whore with a reputation for chastity – one fears they won’t get the job done.

If you are not EXCITED enough at your present life its mean your future is not EXITING. Excitement will give you ENTHUSIASM and enthusiasm will give you a positive energetic LIFE STYLE which could give you a successful exiting life…

Now, I thought, pushing my cart along, I have this job. Is this to be it? No wonder men robbed banks. There were too many demeaning jobs. Why the hell wasn't I a superior court judge or a concert pianist? Because it took training and training cost money. But I didn't want to be anything anyhow. And I was certainly succeeding

The problem with success, even a little success, is that it changes you. You are no longer walking along the same precipice that drove you to do great work in the first place. Now you have something to defend: a reputation, money in the bank, a brand, real customer expectations. Success can take the edge away.

She asked me for some advice regarding Mark’s financial affairs. It’s a very common problem for the families of missing persons – what happens when someone disappears? How long do you wait before you clean out their flat? Do you reregister their car? Who keeps paying the car payments? How do you access their bank account? What about rent and mortgage? When do you tell their employer you don’t think they’re coming back to their job?

The elevator door opens right into the loft. I was counting on those extra few seconds of hallway before facing the party, the party we are now part of and in, a party with people talking and laughing and having a party time. I think, I am a solid, trying to do a liquid's job.

Why do we still cling to the intellectually retarded notion that liberty can be obtained, maintained, or lost at the end of a gun barrel? When you're working 3 minimum wage jobs to make the minimum payment on a pair of socks you bought 12 years ago because your credit card company slapped you with an interest rate that would make a loan shark holler WTF! ... well, no one needs to hold a gun to your head. Your ass has already been sold down the river.

I don't have to tell you things are bad. Everybody knows things are bad. It's a depression. Everybody's out of work or scared of losing their job. The dollar buys a nickel's worth, banks are going bust, shopkeepers keep a gun under the counter. Punks are running wild in the street and there's nobody anywhere who seems to know what to do, and there's no end to it. We know the air is unfit to breathe and our food is unfit to eat, and we sit watching our TV's while some local newscaster tells us that today we had fifteen homicides and sixty-three violent crimes, as if that's the way it's supposed to be. We know things are bad - worse than bad. They're crazy. It's like everything everywhere is going crazy, so we don't go out anymore. We sit in the house, and slowly the world we are living in is getting smaller, and all we say is, 'Please, at least leave us alone in our living rooms. Let me have my toaster and my TV and my steel-belted radials and I won't say anything. Just leave us alone.' Well, I'm not gonna leave you alone. I want you to get mad! I don't want you to protest. I don't want you to riot - I don't want you to write to your congressman because I wouldn't know what to tell you to write. I don't know what to do about the depression and the inflation and the Russians and the crime in the street. All I know is that first you've got to get mad. You've got to say, 'I'm a HUMAN BEING, God damn it! My life has VALUE!' So I want you to get up now. I want all of you to get up out of your chairs. I want you to get up right now and go to the window. Open it, and stick your head out, and yell, 'I'M AS MAD AS HELL, AND I'M NOT GOING TO TAKE THIS ANYMORE!' I want you to get up right now, sit up, go to your windows, open them and stick your head out and yell - 'I'm as mad as hell and I'm not going to take this anymore!' Things have got to change. But first, you've gotta get mad!... You've got to say, 'I'm as mad as hell, and I'm not going to take this anymore!' Then we'll figure out what to do about the depression and the inflation and the oil crisis. But first get up out of your chairs, open the window, stick your head out, and yell, and say it: "I'M AS MAD AS HELL, AND I'M NOT GOING TO TAKE THIS ANYMORE!

You can imagine how distraught I feel when I hear about the glorified heroism-free “middle class values,” which, thanks to globalization and the Internet, have spread to any place easily reached by British Air, enshrining the usual opiates of the deified classes: “hard work” for a bank or a tobacco company, diligent newspaper reading, obedience to most, but not all, traffic laws, captivity in some corporate structure, dependence on the opinion of a boss (with one’s job records filed in the personnel department), good legal compliance, reliance on stock market investments, tropical vacations, and a suburban life (under some mortgage) with a nice-looking dog and Saturday night wine tasting.

Ben wasn’t sure when it had all started to go so wrong but it had definitely been the Lemon Puff’s fault. What a screw up. First she brains him in the head with a drawer, then she almost suffocates him, then she pins him to the floor, proving exactly what he knew already, this girl was no lightweight. Being dragged face down across the bank floor by his ankles was no picnic either.

Google, you fucking ripped off the iPhone, wholesale ripped us off. Grand theft. I will spend my last dying breath if I need to, and I will spend every penny of Apple’s $40 billion in the bank, to right this wrong. I’m going to destroy Android, because it’s a stolen product. I’m willing to go thermonuclear war on this. They are scared to death, because they know they are guilty. Outside of Search, Google’s products—Android, Google Docs—are shit.

None of these things define you as a person: Your education The size of your bank account Your job title Your failures Your successes And sadly, we let so many of these things rule our lives. Obsession with crossing off the checkboxes of society's life plan leads to little other than therapy, midlife crises, and depression.

When a man gets to middle age shouldn’t he look for a peaceful and stable existence, find a not-too-demanding sort of a job, stay in a mediocre position, become a husband and a father, set up a comfortable home, put money in the bank and add to it every month so there’ll be something for old age and a little left over for the next generation?

That this, right here, right now, is our life. It is not our parents’ or our children’s, not our husbands’ or our wives’. It is not made more or less valuable by our job or how much we have in the bank. Our life is ours. It is the only one we will ever have. And we should love it.

It is lonely behind these boundaries. Some people-particularly those whom psychiatrists call schizoid-because of unpleasant, traumatizing experiences in childhood, perceive the world outside of themselves as unredeemably dangerous, hostile, confusing and unnurturing. Such people feel their boundaries to be protecting and comforting and find a sense of safety in their loneliness. But most of us feel our loneliness to be painful and yearn to escape from behind the walls of our individual identities to a condition in which we can be more unified with the world outside of ourselves. The experience of falling in love allows us this escapetemporarily. The essence of the phenomenon of falling in love is a sudden collapse of a section of an individual's ego boundaries, permitting one to merge his or her identity with that of another person. The sudden release of oneself from oneself, the explosive pouring out of oneself into the beloved, and the dramatic surcease of loneliness accompanying this collapse of ego boundaries is experienced by most of us as ecstatic. We and our beloved are one! Loneliness is no more! In some respects (but certainly not in all) the act of falling in love is an act of regression. The experience of merging with the loved one has in it echoes from the time when we were merged with our mothers in infancy. Along with the merging we also reexperience the sense of omnipotence which we had to give up in our journey out of childhood. All things seem possible! United with our beloved we feel we can conquer all obstacles. We believe that the strength of our love will cause the forces of opposition to bow down in submission and melt away into the darkness. All problems will be overcome. The future will be all light. The unreality of these feelings when we have fallen in love is essentially the same as the unreality of the two-year-old who feels itself to be king of the family and the world with power unlimited. Just as reality intrudes upon the two-year-old's fantasy of omnipotence so does reality intrude upon the fantastic unity of the couple who have fallen in love. Sooner or later, in response to the problems of daily living, individual will reasserts itself. He wants to have sex; she doesn't. She wants to go to the movies; he doesn't. He wants to put money in the bank; she wants a dishwasher. She wants to talk about her job; he wants to talk about his. She doesn't like his friends; he doesn't like hers. So both of them, in the privacy of their hearts, begin to come to the sickening realization that they are not one with the beloved, that the beloved has and will continue to have his or her own desires, tastes, prejudices and timing different from the other's. One by one, gradually or suddenly, the ego boundaries snap back into place; gradually or suddenly, they fall out of love. Once again they are two separate individuals. At this point they begin either to dissolve the ties of their relationship or to initiate the work of real loving.

Assumption Two: God only cares about spiritual things. To be honest, I don't even know what this means, but those elusive spiritual things have been helping Christians cop out of true holiness for centuries. We are all like accountants with wizard-like abilities, funneling our choices and goals and actions through shell corporations and off-shore banks of unrighteousness. God only cares about spiritual things? His kingdom is a spiritual kingdom? Are you kidding me? God only cares how we emote at him? That's part of it, sure, but I was pretty sure that He made physical animals and a physical man and gave him a physical job. I was pretty sure that He made a physical tree with physical fruit and told that physical man not to eat it or he would physically die. He physically ate it anyway and now we physically go into the physical ground, physically rot, and become physical plant and physical worm food. And because of this incredibly physical problem, He made things even more clear when His own Son took on physical flesh to lead a physical life that lead to a physical cross where He physically absorbed our curse, was physically tortured, and bought you and bought me and bought this whole physical world with His physical blood. If He'd wanted a spiritual kingdom, He could have saved Himself a huge amount of trouble (to say nothing of making the Greek philosophers and medieval gnostics a lot happier), by just skipping Christmas and the Crucifixion.

I see things in windows and I say to myself that I want them. I want them because I want to belong. I want to be liked by more people, I want to be held in higher regard than others. I want to feel valued, so I say to myself to watch certain shows. I watch certain shows on the television so I can participate in dialogues and conversations and debates with people who want the same things I want. I want to dress a certain way so certain groups of people are forced to be attracted to me. I want to do my hair a certain way with certain styling products and particular combs and methods so that I can fit in with the In-Crowd. I want to spend hours upon hours at the gym, stuffing my body with what scientists are calling 'superfoods', so that I can be loved and envied by everyone around me. I want to become an icon on someone's mantle. I want to work meaningless jobs so that I can fill my wallet and parentally-advised bank accounts with monetary potential. I want to believe what's on the news so that I can feel normal along with the rest of forever. I want to listen to the Top Ten on Q102, and roll my windows down so others can hear it and see that I am listening to it, and enjoying it. I want to go to church every Sunday, and pray every other day. I want to believe that what I do is for the promise of a peaceful afterlife. I want rewards for my 'good' deeds. I want acknowledgment and praise. And I want people to know that I put out that fire. I want people to know that I support the war effort. I want people to know that I volunteer to save lives. I want to be seen and heard and pointed at with love. I want to read my name in the history books during a future full of clones exactly like me. The mirror, I've noticed, is almost always positioned above the sink. Though the sink offers more depth than a mirror, and mirror is only able to reflect, the sink is held in lower regard. Lower still is the toilet, and thought it offers even more depth than the sink, we piss and shit in it. I want these kind of architectural details to be paralleled in my every day life. I want to care more about my reflection, and less about my cleanliness. I want to be seen as someone who lives externally, and never internally, unless I am able to lock the door behind me. I want these things, because if I didn't, I would be dead in the mirrors of those around me. I would be nothing. I would be an example. Sunken, and easily washed away.

Of course, there’s no clear line between who creates wealth and who shifts it. Lots of jobs do both. There’s no denying that the financial sector can contribute to our wealth and grease the wheels of other sectors in the process. Banks can help to spread risks and back people with bright ideas. And yet, these days, banks have become so big that much of what they do is merely shuffle wealth around, or even destroy it. Instead of growing the pie, the explosive expansion of the banking sector has increased the share it serves itself.4 Or take the legal profession. It goes without saying that the rule of law is necessary for a country to prosper. But now that the U.S. has seventeen times the number of lawyers per capita as Japan, does that make American rule of law seventeen times as effective?5 Or Americans seventeen times as protected? Far from it. Some law firms even make a practice of buying up patents for products they have no intention of producing, purely to enable them to sue people for patent infringement. Bizarrely, it’s precisely the jobs that shift money around – creating next to nothing of tangible value – that net the best salaries. It’s a fascinating, paradoxical state of affairs. How is it possible that all those agents of prosperity – the teachers, the police officers, the nurses – are paid so poorly, while the unimportant, superfluous, and even destructive shifters do so well?

The world is like a ride in an amusement park, and when you choose to go on it you think it's real because that's how powerful our minds are. The ride goes up and down, around and around, it has thrills and chills, and it's very brightly colored, and it's very loud, and it's fun for a while. Many people have been on the ride a long time, and they begin to wonder, "Hey, is this real, or is this just a ride?" And other people have remembered, and they come back to us and say, "Hey, don't worry; don't be afraid, ever, because this is just a ride." And we … kill those people. "Shut him up! I've got a lot invested in this ride, shut him up! Look at my furrows of worry, look at my big bank account, and my family. This has to be real." It's just a ride. But we always kill the good guys who try and tell us that, you ever notice that? And let the demons run amok … But it doesn't matter, because it's just a ride. And we can change it any time we want. It's only a choice. No effort, no work, no job, no savings of money. Just a simple choice, right now, between fear and love.

In 1995 Bank of America issued a famous report on sprawl in California. The bank pronounced: 'Urban job centers have decentralized to the suburbs. New housing tracts have moved even deeper into agriculturally and environmentally sensitive areas. Private auto use continues to rise. This acceleration of sprawl has surfaced enormous social, environmental, and economic costs, which until now have been hidden, ignored, or quietly borne by society.

Maybe I can do some writing then. The phrase made him sick. It had no meaning anymore. Like a word that is repeated until it becomes gibberish that sentence, for him, had been used to extinction. It sounded silly; like some bit of cliché from a soap opera. Hero saying in dramatic tones – Now, by God, maybe I can do some writing. Senseless. For a moment, though, he wondered if it was true. Now that she was leaving could he forget about her and really get some work done? Quit his job? Go somewhere and hold up in a cheap furnished room and write? You have $123.89 in the bank, his mind informed him. He pretended it was the only thing that kept him from it. But, far back in his mind, he wondered if he could write anything. Often the question threw itself at him when he was least expecting it. You have four hours every morning, the statement would rise like a menacing wraith. You have time to write many thousands of words. Why don't you? And the answer was always lost in a tangle of becauses and wells and endless reasons that he clung to like a drowning man at straws.(“Mad House”)

Stop chasing society’s definition of success and chase your own definition of success. Success is an emotion that is experienced when you are completely fulfilled and content with where you are in life; it has nothing to do with a specific job, a specific amount of money in your bank account, or the quality of material possessions you acquire. You can be the richest man in the world, but still, feel unsuccessful, and you can be the poorest man in the world, but still, feel extremely successful.

In some circumstances, a focus on extrinsic rewards (money) can actually diminish effort. Most (or at least many) teachers enter their profession not because of the money but because of their love for children and their dedication to teaching. The best teachers could have earned far higher incomes if they had gone to banking. It is almost insulting to assume that they are not doing what they can to help their students learn, and that by paying them an extra $500 or $1,500, they would exert greater effort. Indeed, incentive pay can be corrosive: it reminds teachers of how bad their pay is, and those who are led thereby to focus on money may be induced to find a better paying job, leaving behind only those for whom teaching is the only alternative. (Of course, if teachers perceive themselves to be badly paid, that will undermine morale, and that will have adverse incentive effects)

His mind filled with visions of a decadent kleptocracy in rapid decline, abetted by both political parties. America's masses, fed on processed poison bought with a food stamp swipe card. Low-skill workers, structurally unable to ever contribute again and too dumb to know their old jobs weren't coming back. The banks in Gotham leaching the last drops of wealth out of the country. Corporations unrestrained by any notion of national interest. The system of property law in shambles. The world drowning in debt.

I took my meticulously typed guidelines and encouragements, threw them in a drawer, gave myself a new mantra: fuck the fried rice. Fuck what you sipped, how you sipped, when you sipped with whom, fuck if I danced on the table, fuck if I danced on the chair. You want the truth, the whole truth, and nothing but the truth? Your whole answer was sitting with his shoulders low, head down, his neatly cut hair. You want to know why my whole goddamn family was hurting, why I lost my job, why I had four digits in my bank account, why my sister was missing school? It was because on a cool January evening, I went out, while that guy, that guy there, had decided that yes or no, moving or motionless, he wanted to fuck someone, intended to fuck someone, and it happened to be me.

He doesn’t like Emma and Rachel making plans together. Not because he thinks they’re being devious, but because he doesn’t like feeling left out. Not to mention that when Emma is making plans without him, they’re usually reckless. The only reason she’d keep a secret from him is if she was doing something he didn’t approve of, or didn’t want him to interfere with. After all, her motto is “Better to ask for forgiveness than permission.” Galen despises that motto. “I cleared out the sporting goods store this morning,” Rachel says. “I took what was on the shelf and made them cough up their stock in the back.” Galen tenses up. Emma laughs. “Don’t be jealous, Highness. Rachel still loves you more than she loves me.” “Aww! You guys are fighting over me?” Rachel says, pinching Galen’s cheek. “That’s so adorable.” “I’m not jealous,” he says, trying not to sound pouty. “I just don’t know why we would need life jackets.” “We don’t,” Emma says, wriggling around on his lap so she can face him. Secretly, he’s delighted. “But humans do. And if my job is keeping the humans safe, then I should be prepared, right?” But Galen is too distracted by the close proximity of her mouth to be bothered with the words coming out of it. She must recognize it, because she leans forward as if giving him a chance to make good on his craving. It’s all the invitation he needs. He captures her mouth with his. Life jackets, islands, and airports are forgotten. The only thing that exists is her lips on his, her body pressed into his. Suddenly the creaky office chair is transformed into their own little world. “Uh, I’m just going to get more wine,” Rachel says. He didn’t mean to make her uncomfortable enough to leave. Not good. The last thing we need is privacy and free rein to do as we please. He tries to end it, to pull away, but Emma won’t have it. And it’s difficult for him not to indulge her.

Over the years I have read many, many books about the future, my ‘we’re all doomed’ books, as Connie liked to call them. ‘All the books you read are either about how grim the past was or how gruesome the future will be. It might not be that way, Douglas. Things might turn out all right.’ But these were well-researched, plausible studies, their conclusions highly persuasive, and I could become quite voluble on the subject. Take, for instance, the fate of the middle-class, into which Albie and I were born and to which Connie now belongs, albeit with some protest. In book after book I read that the middle-class are doomed. Globalisation and technology have already cut a swathe through previously secure professions, and 3D printing technology will soon wipe out the last of the manufacturing industries. The internet won’t replace those jobs, and what place for the middle-classes if twelve people can run a giant corporation? I’m no communist firebrand, but even the most rabid free-marketeer would concede that market-forces capitalism, instead of spreading wealth and security throughout the population, has grotesquely magnified the gulf between rich and poor, forcing a global workforce into dangerous, unregulated, insecure low-paid labour while rewarding only a tiny elite of businessmen and technocrats. So-called ‘secure’ professions seem less and less so; first it was the miners and the ship- and steel-workers, soon it will be the bank clerks, the librarians, the teachers, the shop-owners, the supermarket check-out staff. The scientists might survive if it’s the right type of science, but where do all the taxi-drivers in the world go when the taxis drive themselves? How do they feed their children or heat their homes and what happens when frustration turns to anger? Throw in terrorism, the seemingly insoluble problem of religious fundamentalism, the rise of the extreme right-wing, under-employed youth and the under-pensioned elderly, fragile and corrupt banking systems, the inadequacy of the health and care systems to cope with vast numbers of the sick and old, the environmental repercussions of unprecedented factory-farming, the battle for finite resources of food, water, gas and oil, the changing course of the Gulf Stream, destruction of the biosphere and the statistical probability of a global pandemic, and there really is no reason why anyone should sleep soundly ever again. By the time Albie is my age I will be long gone, or, best-case scenario, barricaded into my living module with enough rations to see out my days. But outside, I imagine vast, unregulated factories where workers count themselves lucky to toil through eighteen-hour days for less than a living wage before pulling on their gas masks to fight their way through the unemployed masses who are bartering with the mutated chickens and old tin-cans that they use for currency, those lucky workers returning to tiny, overcrowded shacks in a vast megalopolis where a tree is never seen, the air is thick with police drones, where car-bomb explosions, typhoons and freak hailstorms are so commonplace as to barely be remarked upon. Meanwhile, in literally gilded towers miles above the carcinogenic smog, the privileged 1 per cent of businessmen, celebrities and entrepreneurs look down through bullet-proof windows, accept cocktails in strange glasses from the robot waiters hovering nearby and laugh their tinkling laughs and somewhere, down there in that hellish, stewing mess of violence, poverty and desperation, is my son, Albie Petersen, a wandering minstrel with his guitar and his keen interest in photography, still refusing to wear a decent coat.

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.

prayer ABCs: A. Acknowledge him. Let him know you’re thinking about him. “Hi, Lord. I love you. Would you go into my day with me?” B. Bring it. Tell him about your concerns or needs. “Lord, I’m worried about making rent this month. Would you show me what to do? Would you provide for my need?” C. Chat. Tell God whatever is on your mind. For example, you could tell him about your day, problems, job, family, bank account, or mother-in-law, just as if you were talking to a good friend. “Lord, did you see the family at dinner tonight? I’m worried about little Bobby. He seemed so quiet, and I’m wondering if something’s wrong. Would you comfort him and give me wisdom to know how to talk to him about what’s going on?

Just as reality intrudes upon the two-year-old’s fantasy of omnipotence so does reality intrude upon the fantastic unity of the couple who have fallen in love. Sooner or later, in response to the problems of daily living, individual will reasserts itself. He wants to have sex; she doesn’t. She wants to go to the movies; he doesn’t. He wants to put money in the bank; she wants a dishwasher. She wants to talk about her job; he wants to talk about his. She doesn’t like his friends; he doesn’t like hers. So both of them, in the privacy of their hearts, begin to come to the sickening realization that they are not one with the beloved, that the beloved has and will continue to have his or her own desires, tastes, prejudices and timing different from the other’s. One by one, gradually or suddenly, the ego boundaries snap back into place; gradually or suddenly, they fall out of love. Once again they are two separate individuals. At this point they begin either to dissolve the ties of their relationship or to initiate the work of real loving. By

Corporate elites said they needed free-trade agreements, so they got them. Manufacturers said they needed tax breaks and public-money incentives in order to keep their plants operating in the United States, so they got them. Banks and financiers needed looser regulations, so they got them. Employers said they needed weaker unions—or no unions at all—so they got them. Private equity firms said they needed carried interest and secrecy, so they got them. Everybody, including Lancastrians themselves, said they needed lower taxes, so they got them. What did Lancaster and a hundred other towns like it get? Job losses, slashed wages, poor civic leadership, social dysfunction, drugs. Having helped wreck small towns, some conservatives were now telling the people in them to pack up and leave. The reality of “Real America” had become a “negative asset.” The “vicious, selfish culture” didn’t come from small towns, or even from Hollywood or “the media.” It came from a thirty-five-year program of exploitation and value destruction in the service of “returns.” America had fetishized cash until it became synonymous with virtue.

Here’s the deal. When you get married, you become a team. The pastor at your wedding wasn’t joking when he said, “And now you are one.” It’s called unity. The old marriage vows say, “Unto thee I pledge all my worldly goods.” In other words, “I’m all in,” so combine the checking accounts. It’s hard to have unity when you separate your bank accounts. When his money is over here, and her money is over there, it’s easy to live in your own little financial world instead of working as a team. When you do your spending together, it’s about “our” money. We have an income and we have expenses and we have goals. So when you’re both in agreement on where the money is going, then you’ve taken a major step to being on the same page in your marriage, and you will create awesome levels of communication. This all boils down to trust. Do you trust your spouse or not? I’ve heard from people who keep separate bank accounts just in case their spouse leaves them. Well, why on earth would you marry someone you can’t trust? And if that’s really the case, then you need marriage counseling, not separate bank accounts! Your spouse isn’t your roommate, and this isn’t a joint business venture. It’s a marriage! You don’t run your household and your life separately. Your job is to love each other well, and that includes having shared financial goals—which is hard to do when you have separate accounts.

Bagpipe Music' It's no go the merrygoround, it's no go the rickshaw, All we want is a limousine and a ticket for the peepshow. Their knickers are made of crêpe-de-chine, their shoes are made of python, Their halls are lined with tiger rugs and their walls with heads of bison. John MacDonald found a corpse, put it under the sofa, Waited till it came to life and hit it with a poker, Sold its eyes for souvenirs, sold its blood for whiskey, Kept its bones for dumb-bells to use when he was fifty. It's no go the Yogi-Man, it's no go Blavatsky, All we want is a bank balance and a bit of skirt in a taxi. Annie MacDougall went to milk, caught her foot in the heather, Woke to hear a dance record playing of Old Vienna. It's no go your maidenheads, it's no go your culture, All we want is a Dunlop tyre and the devil mend the puncture. The Laird o' Phelps spent Hogmanay declaring he was sober, Counted his feet to prove the fact and found he had one foot over. Mrs Carmichael had her fifth, looked at the job with repulsion, Said to the midwife 'Take it away; I'm through with overproduction'. It's no go the gossip column, it's no go the Ceilidh, All we want is a mother's help and a sugar-stick for the baby. Willie Murray cut his thumb, couldn't count the damage, Took the hide of an Ayrshire cow and used it for a bandage. His brother caught three hundred cran when the seas were lavish, Threw the bleeders back in the sea and went upon the parish. It's no go the Herring Board, it's no go the Bible, All we want is a packet of fags when our hands are idle. It's no go the picture palace, it's no go the stadium, It's no go the country cot with a pot of pink geraniums, It's no go the Government grants, it's no go the elections, Sit on your arse for fifty years and hang your hat on a pension. It's no go my honey love, it's no go my poppet; Work your hands from day to day, the winds will blow the profit. The glass is falling hour by hour, the glass will fall for ever, But if you break the bloody glass you won't hold up the weather.

Don't fall into the habit of bringing work home, Rick. It indicates a lack of planning, and you would eventually find yourself stuck indoors every night. Teaching is like having a bank account. You can happily draw on it while it is well supplied with new funds; otherwise you're in difficulties. Every teacher should have a fund of ready information on which to draw; he should keep that fund supplied regularly by new experiences, new thoughts and discoveries, by reading and moving around among people from whom he can acquire such things." "Not much chance of social movement for me, I'm afraid." "Nonsense, Rick, you're settled in a job now, so there's no need to worry about that; but you must get out and meet more people. I'm sure you'll find lots of nice people about who are not foolishly concerned with prejudice." "That's all right, Dad; I'm quite happy to stay at home with you and Mom." "Nice to hear you say that, but we're old and getting a bit stuffy. You need the company of younger people like yourself. It's even time he had a girl, don't you think, Jess?" Mom smiled across at me. "Ah, leave him alone, Bob, there's plenty of time for that." We went on to chat about other things, but I never forgot what Dad Belmont had said, and never again did I take notebooks home for marking. I would check the work in progress by moving about the class, helping here, correcting there; and I very soon discovered that in this way errors were pin-pointed while they were still fresh in the child's mind.

my purpose here is to scrutinize the tacit Democratic boast about always being better than those crazy Republicans. In truth, what Bill Clinton accomplished were things that no Republican could have done. Thanks to our two-party system, Democratic politicians carry a brand identity that inhibits them in some ways but allows them remarkable latitude in others. They are forever seen as weaklings in the face of the country’s enemies, for example; but on basic economic questions they are trusted to do the right thing for average people. That a Democrat might be the one to pick apart the safety net is a violation of this basic brand identity, but by the very structure of the system it is extremely difficult to hold the party accountable for such a deed. This, in turn, is why only a Democrat was able to do that job and get away with it. Only a Democrat was capable of getting bank deregulation passed; only a Democrat could have rammed NAFTA through Congress; and only a Democrat would be capable of privatizing Social Security, as George W. Bush found out in 2005. “It’s kind of the Nixon-goes-to-China theory,” the conservative Democrat Charles Stenholm told the historian Steven Gillon on this last subject. “It takes a Democrat to do some of the hard choices in social programs.”19

I’m getting the feeling you don’t want me to go. Are you ashamed of me? That hurts, Titty-bottum—I’m wounded.” She laughs disdainfully. “No you’re not. And it has nothing to do with me not wanting you to go—you can’t go. There are about thirty Austenites. As soon as they spot you, word will get out that you were in Castlebrook.” “Oh the horror, because Castlebrook is the hub of the social scene and media elites.” That was sarcasm, in case you weren’t sure. Sarah is, which is why her eyes rolls behind her glasses. “It only takes one set of loose lips for the Queen to find out you were there when you’re supposed to be here. And the producers don’t want you going anywhere, anyway.” “I could ditch?” She blows a puff of breath up at her dark bangs, which have fallen too close to her eyes. And now I’m thinking about Sarah blowing things. “And then you’ll have to wear the monkey.” “I fear no man or monkey. But it is sort of creepy, isn’t it?” I groan. “Fucking James.” Sarah mocks me. “Right, fucking James is trying to keep you safe and alive and not kidnapped, like it’s his job or something. Bastard.” Huh, look at that. Sarah can do sarcasm too. That’s sexy. And she said the word fucking—which makes me think about fucking her—on the bed, the sofa . . . Christ, in the nook. She would be absolutely wild in the nook. Talk about a fantasy—that one’s going straight to the top of the wank bank.

I’m tired of these sophistries. I’m tired of these right-wing fuckers. They wouldn’t lift a finger themselves. They work contentedly in offices and banks. Yet now they sit pontificating in parliament, in papers, impugning our motives, questioning our judgements. And why? Because they themselves need to feel better by putting down everyone whose work is so much harder than theirs. You only have to say the words ‘social worker’…’probation officer’ … ‘counsellor’ … for everyone in this country to sneer. Do you know what social workers do? Every day? They try and clear out society’s drains. They clear out the rubbish. They do what no one else is doing, what no one else is willing to do. And for that, oh Christ, do we thank them? No, we take our own rotten consciences, wipe them all over the social worker’s face, and say ‘if…’ FUCK! ‘if I did the job, then of course if I did it…oh no, excuse me, I wouldn’t do it like that…’ Well I say: ‘OK, then, fucking do it, journalist. Politician, talk to the addicts. Hold families together. Stop the kids from stealing in the streets. Deal with couples who beat each other up. You fucking try it, why not? Since you’re so full of advice. Sure, come and join us. This work is one big casino. By all means. Anyone can play. But there’s only one rule. You can’t play for nothing. You have to buy some chips to sit at the table. And if you won’t pay with your own time…with your own effort…then I’m sorry. Fuck off!

I wish I could answer your question. All I can say is that all of us, humans, witches, bears, are engaged in a war already, although not all of us know it. Whether you find danger on Svalbard or whether you fly off unharmed, you are a recruit, under arms, a soldier." "Well, that seems kinda precipitate. Seems to me a man should have a choice whether to take up arms or not." "We have no more choice in that than in whether or not to be born." "Oh, I like choice, though," he said. "I like choosing the jobs I take and the places I go and the food I eat and the companions I sit and yarn with. Don't you wish for a choice once in a while ?" She considered, and then said, "Perhaps we don't mean the same thing by choice, Mr. Scoresby. Witches own nothing, so we're not interested in preserving value or making profits, and as for the choice between one thing and another, when you live for many hundreds of years, you know that every opportunity will come again. We have different needs. You have to repair your balloon and keep it in good condition, and that takes time and trouble, I see that; but for us to fly, all we have to do is tear off a branch of cloud-pine; any will do, and there are plenty more. We don't feel cold, so we need no warm clothes. We have no means of exchange apart from mutual aid. If a witch needs something, another witch will give it to her. If there is a war to be fought, we don't consider cost one of the factors in deciding whether or not it is right to fight. Nor do we have any notion of honor, as bears do, for instance. An insult to a bear is a deadly thing. To us... inconceivable. How could you insult a witch? What would it matter if you did?" "Well, I'm kinda with you on that. Sticks and stones, I'll break yer bones, but names ain't worth a quarrel. But ma'am, you see my dilemma, I hope. I'm a simple aeronaut, and I'd like to end my days in comfort. Buy a little farm, a few head of cattle, some horses...Nothing grand, you notice. No palace or slaves or heaps of gold. Just the evening wind over the sage, and a ceegar, and a glass of bourbon whiskey. Now the trouble is, that costs money. So I do my flying in exchange for cash, and after every job I send some gold back to the Wells Fargo Bank, and when I've got enough, ma'am, I'm gonna sell this balloon and book me a passage on a steamer to Port Galveston, and I'll never leave the ground again." "There's another difference between us, Mr. Scoresby. A witch would no sooner give up flying than give up breathing. To fly is to be perfectly ourselves." "I see that, ma'am, and I envy you; but I ain't got your sources of satisfaction. Flying is just a job to me, and I'm just a technician. I might as well be adjusting valves in a gas engine or wiring up anbaric circuits. But I chose it, you see. It was my own free choice. Which is why I find this notion of a war I ain't been told nothing about kinda troubling." "lorek Byrnison's quarrel with his king is part of it too," said the witch. "This child is destined to play a part in that." "You speak of destiny," he said, "as if it was fixed. And I ain't sure I like that any more than a war I'm enlisted in without knowing about it. Where's my free will, if you please? And this child seems to me to have more free will than anyone I ever met. Are you telling me that she's just some kind of clockwork toy wound up and set going on a course she can't change?" "We are all subject to the fates. But we must all act as if we are not, or die of despair. There is a curious prophecy about this child: she is destined to bring about the end of destiny. But she must do so without knowing what she is doing, as if it were her nature and not her destiny to do it. If she's told what she must do, it will all fail; death will sweep through all the worlds; it will be the triumph of despair, forever. The universes will all become nothing more than interlocking machines, blind and empty of thought, feeling, life...

Most of the crime-ridden minority neighborhoods in New York City, especially areas like East New York, where many of the characters in Eric Garner’s story grew up, had been artificially created by a series of criminal real estate scams. One of the most infamous had involved a company called the Eastern Service Corporation, which in the sixties ran a huge predatory lending operation all over the city, but particularly in Brooklyn. Scam artists like ESC would first clear white residents out of certain neighborhoods with scare campaigns. They’d slip leaflets through mail slots warning of an incoming black plague, with messages like, “Don’t wait until it’s too late!” Investors would then come in and buy their houses at depressed rates. Once this “blockbusting” technique cleared the properties, a company like ESC would bring in a new set of homeowners, often minorities, and often with bad credit and shaky job profiles. They bribed officials in the FHA to approve mortgages for anyone and everyone. Appraisals would be inflated. Loans would be approved for repairs, but repairs would never be done. The typical target homeowner in the con was a black family moving to New York to escape racism in the South. The family would be shown a house in a place like East New York that in reality was only worth about $15,000. But the appraisal would be faked and a loan would be approved for $17,000. The family would move in and instantly find themselves in a house worth $2,000 less than its purchase price, and maybe with faulty toilets, lighting, heat, and (ironically) broken windows besides. Meanwhile, the government-backed loan created by a lender like Eastern Service by then had been sold off to some sucker on the secondary market: a savings bank, a pension fund, or perhaps to Fannie Mae, the government-sponsored mortgage corporation. Before long, the family would default and be foreclosed upon. Investors would swoop in and buy the property at a distressed price one more time. Next, the one-family home would be converted into a three- or four-family rental property, which would of course quickly fall into even greater disrepair. This process created ghettos almost instantly. Racial blockbusting is how East New York went from 90 percent white in 1960 to 80 percent black and Hispanic in 1966.