Borrowing And Saving Quotes

And tell Rowan,” Aelin said, fighting her own sob, “that I'm sorry I lied. But tell him it was all borrowed time anyway. Even before today, I knew it was all just borrowed time, but I still wish we'd had more of it.” She fought past her trembling mouth. “Tell him he has to fight. He must save Terrasen, and remember the vows he made to me. And tell him . . . tell him thank you—for walking that dark path with me back to the light.

It’s not true that the more you read, the more you see of the world. No matter how much knowledge you cram into your head, unless you think with your own mind, walk with your own feet, the knowledge you acquire will never be anything more than empty and borrowed.

I believed that books might save him because I knew they had so far, and because I knew the people books had saved. They were college professors and actors and scientists and poets. They got to college and sat on dorm floors drinking coffee, amazed they'd finally found their soul mates. They always dressed a little out of season. Their names were enshrined on the pink cards in the pockets of all the forgotten hardbacks in every library basement in America. If the librarians were lazy enough or nostalgic enough or smart enough, those names would stay there forever.

Can I borrow your phone?" she asked. I frowned, unsure what she would do. "Sure." I pulled my phone from my pocket, handing it to her. She fingered the buttons for a moment, and then dialed, closing her eyes as she waited. "I'm sorry for calling you so early," she stammered, "but this couldn't wait. I . . . can't go to dinner with you on Wednesday." She had called Parker. My hands trembled with apprehension, wondering if she was going to ask him to pick her up - to save her - or something else. She continue, "I can't see you at all, actually. I'm . . . pretty sure I'm in love with Travis." My whole world stopped. I tried to replay her words over. Had I heard them correctly? Did she really just say what I thought she had, or was it just wishful thinking? Abby handed the phone back to me, and then reluctantly peered up into my eyes. "He hung up," she said with a frown. "You love me?" "It's the tattoos," she said, flippant and shrugging, as if she hadn't just said the one thing I'd ever wanted to hear. Pigeon loved me.

I no longer believe I can save people. I've tried, and I've failed, and while I'm sure there are people out there in the world with that particular gift, I'm not one of them...But books, on the other hand: I do still believe that books can save you.

Tell the others,” Aelin breathed, trying to find the right words. “Tell the others that I am sorry. Tell Lysandra to remember her promise, and that I will never stop being grateful. Tell Aedion … Tell him it is not his fault, and that …” Her voice cracked. “I wish he’d been able to take the oath, but Terrasen will look to him now, and the lines must not break.” Elide nodded, tears sliding down her blood-splattered face. “And tell Rowan …” Aelin’s soul splintered as she saw the iron box the escorts now carried between them. An ancient, iron coffin. Big enough for one person. Crafted for her. “And tell Rowan,” Aelin said, fighting her own sob, “that I’m sorry I lied. But tell him it was all borrowed time anyway. Even before today, I knew it was all just borrowed time, but I still wish we’d had more of it.” She fought past her trembling mouth. “Tell him he has to fight. He must save Terrasen, and remember the vows he made to me. And tell him … tell him thank you—for walking that dark path with me back to the light.” They

All that you touch All that you see All that you taste All you feel. All that you love All that you hate All you distrust All you save. All that you give All that you deal All that you buy, beg, borrow or steal. All you create All you destroy All that you do All that you say. All that you eat And everyone you meet All that you slight And everyone you fight. All that is now All that is gone All that's to come and everything under the sun is in tune but the sun is eclipsed by the moon. "There is no dark side of the moon really. Matter of fact it's all dark.

Don’t get into a fight with one more friend over the umbrella they borrowed and never gave back or the time they didn’t save you a seat at the group dinner or whatever the fuck. Stop finding fault and making a fuss and crying in weird apartment building hallways expecting people to come out and wrap you up in a warm blanket of giving a shit. They’re not going to. Yes, it would be really nice, but it’s unrealistic to the point of self-abuse. Everyone has their own problems. Some of them are awful and tragic, and if you knew what they were, you’d be grateful for the ones you have.

Old age saves us from the realization of a great many fears.

the government relies on two sources of funding: it can raise your taxes, or it can borrow your savings.

Every breath is borrowed by the lungful; you can’t save them for later or hold a single one for long. And even a chestful of air is too much cargo for some trips. Some places you have to go empty.

And a mortgage used to be something you were expected to repay. But now that every other middle-income family has a mortgage for an amount they couldn't possibly save up in their lifetimes, then the bank isn't lending money anymore. It's offering financing. And then homes are no longer homes. They're investments. ...It means that the poor get poorer, the rich get richer, and the real class divide is between those who can borrow money and those who can't. Because no matter how much money anyone earns, they still lie awake at the end of the month worrying about money. Everyone looks at what their neighbors have and wonders, "How can they afford that?" because everyone is living beyond their means. So not even really rich people ever feel really rich, because in the end the only thing you can buy is a more expensive version of something you've already got. With borrowed money.

One heartbeat,” he replied, “one heartbeat. That’s it. That’s all. You’re only one heartbeat away from eternity. Everything you have—your life, your breath, this moment, it’s all borrowed, it’s all a gift. And at any moment it all ends with a heartbeat…just one heartbeat, and there’s no more time. One heartbeat and the chance to be saved is gone. One heartbeat and there’s no more choosing—it’s all sealed for eternal life or eternal death.

The entrant mooed like a calf but in insolence looked about him. Hew saw Kit. Kit saw him. Nay, it was more than pure seeing. It was Jove's bolt. It was, to borrow from the papists, the bell of the consecration. It was the revelation of the possibility nay the certainty of the probability or somewhat of the kind of the. It was the sharp knife of a sort of truth in the disguise of danger. Both went out together, and it was as if they were entering, rather than leaving, the corridor outside with its sour and burly servant languidly asweep with his broom, the major-domo in livery hovering, transformed to a sweet bower of assignation, though neither knew the other save in a covenant familiar through experience unrecorded and unrecordable whose terms were not of time and to which space was a child's puzzle.

some people handed over their savings and borrowed too much, ending up with a nice home but no freedom at all.

Some of you, we all know, are poor, find it hard to live, are sometimes, as it were, gasping for breath. I have no doubt that some of you who read this book are unable to pay for all the dinners which you have actually eaten, or for the coats and shoes which are fast wearing or are already worn out, and have come to this page to spend borrowed or stolen time, robbing your creditors of an hour. It is very evident what mean and sneaking lives many of you live, for my sight has been whetted by experience; always on the limits, trying to get into business and trying to get out of debt, a very ancient slough, called by the Latins aes alienum, another's brass, for some of their coins were made of brass; still living, and dying, and buried by this other's brass; always promising to pay, promising to pay, tomorrow, and dying today, insolvent; seeking to curry favor, to get custom, by how many modes, only not state-prison offences; lying, flattering, voting, contracting yourselves into a nutshell of civility or dilating into an atmosphere of thin and vaporous generosity, that you may persuade your neighbor to let you make his shoes, or his hat, or his coat, or his carriage, or import his groceries for him; making yourselves sick, that you may lay up something against a sick day, something to be tucked away in an old chest, or in a stocking behind the plastering, or, more safely, in the brick bank; no matter where, no matter how much or how little.

The Vikings could have been saved if they had borrowed survival strategies from the Inuit, but the only record we have of contact between the two peoples is the remark from a Viking settler that the Inuit bleed a lot when stabbed - an observation that hardly indicates a willingness to learn from their northern neighbors.

Is it necessary that Heaven should borrow its light from the glare of Hell? Infinite punishment is infinite cruelty, endless injustice, immortal meanness. To worship an eternal gaoler hardens, debases, and pollutes even the vilest soul. While there is one sad and breaking heart in the universe, no good being can be perfectly happy. Against the heartlessness of the Christian religion every grand and tender soul should enter solemn protest. The God of Hell should be held in loathing, contempt and scorn. A God who threatens eternal pain should be hated, not loved – cursed, not worshiped. A heaven presided over by such a God must be below the lowest hell. I want no part in any heaven in which the saved, the ransomed and redeemed will drown with shouts of joy the cries and sobs of hell – in which happiness will forget misery, where the tears of the lost only increase laughter and double bliss. The idea of hell was born of ignorance, brutality, fear cowardice, and revenge. This idea testifies that our remote ancestors were the lowest beasts. Only from dens, lairs, and caves, only from mouths filled with cruel fangs, only from hearts of fear and hatred, only from the conscience of hunger and lust, only from the lowest and most debased could come this cruel, heartless and bestial of all dogmas.

Instructions for Dad. I don't want to go into a fridge at an undertaker's. I want you to keep me at home until the funeral. Please can someone sit with me in case I got lonely? I promise not to scare you. I want to be buried in my butterfly dress, my lilac bra and knicker set and my black zip boots (all still in the suitcase that I packed for Sicily). I also want to wear the bracelet Adam gave me. Don't put make-up on me. It looks stupid on dead people. I do NOT want to be cremated. Cremations pollute the atmosphere with dioxins,k hydrochloric acid, hydrofluoric acid, sulphur dioxide and carbon dioxide. They also have those spooky curtains in crematoriums. I want a biodegradable willow coffin and a woodland burial. The people at the Natural Death Centre helped me pick a site not for from where we live, and they'll help you with all the arrangements. I want a native tree planted on or near my grave. I'd like an oak, but I don't mind a sweet chestnut or even a willow. I want a wooden plaque with my name on. I want wild plants and flowers growing on my grave. I want the service to be simple. Tell Zoey to bring Lauren (if she's born by then). Invite Philippa and her husband Andy (if he wants to come), also James from the hospital (though he might be busy). I don't want anyone who doesn't know my saying anything about me. THe Natural Death Centre people will stay with you, but should also stay out of it. I want the people I love to get up and speak about me, and even if you cry it'll be OK. I want you to say honest things. Say I was a monster if you like, say how I made you all run around after me. If you can think of anything good, say that too! Write it down first, because apparently people often forget what they mean to say at funerals. Don't under any circumstances read that poem by Auden. It's been done to death (ha, ha) and it's too sad. Get someone to read Sonnet 12 by Shakespeare. Music- "Blackbird" by the Beatles. "Plainsong" by The Cure. "Live Like You Were Dying" by Tim McGraw. "All the Trees of the Field Will Clap Their Hands" by Sufian Stevens. There may not be time for all of them, but make sure you play the last one. Zoey helped me choose them and she's got them all on her iPod (it's got speakers if you need to borrow it). Afterwards, go to a pub for lunch. I've got £260 in my savings account and I really want you to use it for that. Really, I mean it-lunch is on me. Make sure you have pudding-sticky toffee, chocolate fudge cake, ice-cream sundae, something really bad for you. Get drunk too if you like (but don't scare Cal). Spend all the money. And after that, when days have gone by, keep an eye out for me. I might write on the steam in the mirror when you're having a bath, or play with the leaves on the apple tree when you're out in the garden. I might slip into a dream. Visit my grave when you can, but don't kick yourself if you can't, or if you move house and it's suddenly too far away. It looks pretty there in the summer (check out the website). You could bring a picnic and sit with me. I'd like that. OK. That's it. I love you. Tessa xxx

Because what it's come down to, after that whole messy spring, that whole tortured summer, all the time since, is this: I no longer believe I can save people. I've tried, and I've failed, and while I'm sure there are people out in the world with that particular gift, I'm not one of them. I make too much of a mess of things. But books, on the other hand: I do still believe that books can save you.

The library is the place where I could borrow first Grover’s philosophical tome, then a couple of Choose Your Own Adventures I could cheat at, and later a stack of mysteries I could spoil for myself, all attempts to look for some other way of understanding who I was.

Dear Black Women… Save, Invest, and Spend Less. Save because you just never know what will come up. This will save you from having to borrow from friends, family, or going to get a payday loan. Invest so that you’ll have something of value to show for. Investing also helps in building WEALTH. Spend less so that you’re not broke, living paycheck to paycheck, and/or in a lot of debt. Don’t allow money to control you. Take charge! Keep, and/or get your finances in order. Value your money and be mindful of how and what you’re spending.

Our textbooks were ridiculous propaganda. The first English sentence we learned was "Long live Chairman Mao!" But no one dared to explain the sentence grammatically. In Chinese the term for the optative mood, expressing a wish or desire, means 'something unreal." In 1966 a lecturer at Sichuan University had been beaten up for 'having the audacity to suggest that "Long live Chairman Mao!" was unreal!" One chapter was about a model youth hero who had drowned after jumping into a flood to save an electricity pole because the pole would be used to carry the word of Mao. With great difficulty, I managed to borrow some English language textbooks published before the Cultural Revolution from lecturers in my department and from Jin-ming, who sent me books from his university by post. These contained extracts from writers like Jane Austen, Charles Dickens, and Oscar Wilde, and stories from European and American history. They were a joy to read, but much of my energy went toward finding them and then trying to keep them. Whenever someone approached, I would quickly cover the books with a newspaper. This was only partly because of their 'bourgeois' content. It was also important not to appear to be studying too conscientiously, and not to arouse my fellow students' jealousy by reading something far beyond them. Although we were studying English, and were paid par fly for our propaganda value by the government to do this, we must not be seen to be too devoted to our subject: that was considered being 'white and expert." In the mad logic of the day, being good at one's profession ('expert') was automatically equated with being politically unreliable ('white').

Jai, she pleaded quietly, if you hadn’t noticed, I’m a guts and glory kind of girl. I think I’d die trying to protect anyone I care about. It’s just the way I’m wired, I guess. I would die trying to protect Charlie because I love him. He’s my family, and I don’t want to lose any more family." She took another step so her body pressed flushed to him, her fingers falling to his lips. The sound of his shallow breathing emboldened her. "But Jai… I would die a hundred deaths to save you… because the thought of being here without you now, the thought of losing you… is unimaginable." Their eyes locked and heat bloomed in her cheeks as Jai pressed closer to her, his hand sliding across her lower back and gently guiding her even more tightly against him. "Jai, you have no idea how much I’ve fallen in love with you. I don’t think a person could fall any harder.

Xie Lian had never experienced a feeling like this, as if all the blood in his veins had turned into an electrical current that charged through his body. The powers he’d borrowed before had to be economized and saved, only one bite taken at a time for fear of wasting them. Right now, he felt like he could eat a full bowl and dump out ten without a care.

Abandon all rules. They can’t save you in the end.

No matter how rich and wonderful it all looks on the outside, when you take off the lid and look inside there’s nothing but a jumble of borrowed junk. It’s the worst kind of ignorance.

Some take pains to be biblical, but many [Christian financial teachers, writers, investment counselors, and seminar leaders] simply parrot their secular colleagues. Other than beginning and ending with prayer, mentioning Christ, and sprinkling in some Bible verses, there's no fundamental difference. They reinforce people's materialist attitudes and lifestyles. They suggest a variety of profitable plans in which people can spend or stockpile the bulk of their resources. In short, to borrow a term from Jesus, some Christian financial experts are helping people to be the most successful 'rich fools' they can be.

It's not true that the more you read, the more you see the world. No matter how much knowledge you cram into your head, unless you think with your own mind, walk with your own feet, the knowledge you acquire will never be anything more than empty and borrowed.

Jewels of the World Memory Where everything gains, Where everything is lost, Where light sleeps and Darkness reins. Memory A footstep washed away, An impression saved. Where time knows no boundaries and washes away. Memory A foreign thought A forged lie, A deformed way that Can’t be bought. Memory A slipped flash, Gone forever from mentality, Encased in darkness and is Nothing but a dash- Memory Compressed to specifics, Denied of choice, Of grace, Left to the efficient. Memory An expectation of retrospect, Penetrating mentality And asking only for respect. Memory Like the evening pond, Encasement of treasures to be held with care, Before they are gone. Memory Something to be kept, Never to be borrowed Or stolen, Or even to be met

my courage is nothing but borrowed courage.” “Not borrowed,” said Mother. “Stored up. In us. Like a bank. We’ve seen your courage and we saved some for you when you temporarily ran out and needed some of it back.” “Cash flow problem, that’s all it was,” said Father.

firms do not borrow as much to invest when rates are higher and individuals stop buying durable goods against credit and, instead, turn to save. Lower demand growth leads to a better match between demand and supply, and thus lower inflation for the goods being produced.

When bicycling, you’re simply less likely to make unplanned purchases, especially large ones. Shopping, especially for bulky items, must be more carefully planned and premeditated—you’ll want to do it all at once, and either bringing your trailer or renting or borrowing a car for an afternoon.

Dr. Mary Atwater's story was so inspiring. Growing up, Dr. Atwater had a dream to one day be a teacher. But as a black person in the American South during the 1950s, she didn't have many great educational opportunities. It didn't help that she was also a girl, and a girl who loved science, since many believed that science was a subject only for men. Well, like me, she didn't listen to what others said. And also like me, Dr. Atwater had a father, Mr. John C. Monroe, who believed in her dreams and saved money to send her and her siblings to college. She eventually got a PhD in science education with a concentration in chemistry. She was an associate director at New Mexico State University and then taught physical science and chemistry at Fayetteville State University. She later joined the University of Georgia, where she still works as a science education researcher. Along the way, she began writing science books, never knowing that, many years down the road, one of those books would end up in Wimbe, Malawi, and change my life forever. I'd informed Dr. Atwater that the copy of Using Energy I'd borrowed so many times had been stolen (probably by another student hoping to get the same magic), so that day in Washington, she presented me with my own copy, along with the teacher's edition and a special notebook to record my experiments. "Your story confirms my belief in human beings and their abilities to make the world a better place by using science," she told me. "I'm happy that I lived long enough to see that something I wrote could change someone's life. I'm glad I found you." And for sure, I'm also happy to have found Dr. Atwater.

When the central bank manipulates the interest rate lower than the market clearing price by directing banks to create more money by lending, they are at once reducing the amount of savings available in society and increasing the quantity demanded by borrowers while also directing the borrowed capital toward projects which cannot be completed.

We were all born and unfortunately at some point will all die too. The time we spend on Earth is both limited and finite. In light of these facts, time is the most valuable commodity you have in life. It’s not money; unlike time, you can borrow it, save, or earn more. You can’t do that with time. Every single second you waste is gone forever.

The Healing spells on his chest were certainly earning their keep tonight. Sullivan got to his feet. The lack of noise from the courtyard indicated that his team had gotten all the mechanical men. “Thanks.” Toru just grunted a noncommittal response as he lifted the feed tray to check the condition of his borrowed machine gun. They didn’t see the final robot inside until it turned on its eye and illuminated the Iron Guard in blue light. Sullivan’s Spike reversed gravity, and the gigantic machine fell upward to hit the steel beams in the ceiling. Sullivan cut his Power and the robot dropped. It crashed hard into the floor where it lay twitching and kicking. The two of them riddled the mechanical man with bullets until the light died and it lay still in a spreading puddle of oil. “Normally, this would be the part where you thank me for returning the favor and saving your life.” “Yes. Normally… If we were court ladies instead of warriors,” Toru answered. “Shall we continue onward or do you wish to stop and discuss your feelings over tea?” Sullivan looked forward to the day that the two of them would be able to finish their fight. “Let’s go.

Because consumption comes from three sources: income, savings, and borrowings. Stating the obvious, income comes only from income. Our point? FairTax opponents will tell you that the consumption base, the base for national sales tax, isn’t stable and can’t be trusted—but in reality it’s the income tax base that’s unstable and can’t be trusted. The consumption base is much more predictable.

him to turn out and find a dry twig; and if he can't do it, go and borrow one. In fact, the Leather Stocking Series ought to have been called the Broken Twig Series. I am sorry there is not room to put in a few dozen instances of the delicate art of the forest, as practised by Natty Bumppo and some of the other Cooperian experts. Perhaps we may venture two or three samples. Cooper was a sailor — a naval officer; yet he gravely tells us how a vessel, driving towards a lee shore in a gale, is steered for a particular spot by her skipper because he knows of an undertow there which will hold her back against the gale and save her. For just pure woodcraft, or sailorcraft, or whatever it is, isn't that neat? For several years Cooper was daily in the society of artillery, and he ought to have noticed that when a cannon-ball strikes the ground it either buries itself or skips a hundred feet or so; skips again a hundred feet or so — and so on, till finally it gets tired and rolls. Now in one place he loses some "females" — as he always calls women — in the edge of a wood near a plain at night in a fog, on purpose to give Bumppo a chance to show off the delicate art of the forest before the

My job is to care about and be responsible for every frame of every movie I make. I know that all over the world there are young people borrowing from relatives and saving their allowances to buy their first cameras and put together their first student movies, some of them dreaming of becoming famous and making a fortune. But a few are dreaming of finding out what matters to them, of saying to themselves and to anyone who will listen, “I care.” A few of them want to make good movies.

The typical Savings and Loan president was a leader in a tiny community. He was the sort of fellow who sponsored a float in the town parade; that said it all, didn’t it? He wore polyester suits, made a five-figure income, and worked one-figure hours. He belonged to the Lions or Rotary Club, and also to a less formal group known within the “thrift”* industry as the 3–6–3 Club: he borrowed money at 3 per cent, lent money at 6 per cent, and arrived on the golf course by 3 in the afternoon. *

Time is the most valuable thing any of us owns. We can't hoard it or save it, can't borrow it from another person, can't buy it or even pray for more of it. Yet time is the one thing we waste more of than anything else, and we never even notice. We always think we have more until we don't. We are even so careless as to wish it away. Wishing for the weekend to hurry up and come or the workday to be over with or the winter months to pass. Never appreciating the moment we have right now and never stopping to truly live it.

It matters whether the government blows tens of billions of dollars on tax loopholes for billionaires or whether that same money is used to lower costs for students who have to borrow money to go to college. It matters whether Wall Street can pocket billions of dollars by cheating people on mortgages and tricking them on credit cards or if there’s a cop on the beat to keep them honest. It matters whether the minimum wage is set so low that a full-time worker still lives in poverty or if minimum wage also means a livable wage. When

In the 1930s, the Nazis borrowed the frugal image of the one-pot meal, putting it to ideological use. In 1933, Hitler’s government announced that Germans should put aside one Sunday, from October to March, to eat a one-pot meal: Eintopf. The idea was that people would save enough money in this way to donate whatever was saved to the poor. Cookbooks were hastily rewritten to take account of the new policy. One recipe collection listed no fewer than sixty-nine Eintopfs, including macaroni, goulash, Irish stew, Serbian rice soup, numerous cabbagey medleys, and Old German potato soup.

When Sally stopped crying, she found herself alone, the cold draft of the window at her neck, and on both sides, the rows of doors went on and on, diminishing to nothing, the end. 'What fun it is to ride and sing a sleighing song tonight, oh.' What glories. Mathilde came. And though she appeared to be the... same sweet girl Sally had been afraid of, she was not. Sally saw the flint in her. Mathilde can save Lotto from his own laziness, Sally thought. But here they were, a year later, and he was still ordinary. The chorus caught in her throat. A stranger hurrying as fast as he could over the icy sidewalks looked in. He saw a circle of singing people bathed in the clean, white light from a tree, and his heart did a soumersault. And the image stayed with him, it merged with him even as he came home to his own children, who were already asleep in their beds, to his wife crossly putting together the tricycle without the screwdriver he'd run out to borrow. It remained long after his children ripped open their gifts and abandoned their toys and puddles of paper and grew too old for them and left their house and parents and childhoods, so that he and his wife gaped at each other in bewilderment as to how it had happened so terribly swiftly. All those years, the singers in the soft light in the basement apartment crystalized in his mind, became the very idea of what happiness should look like.

Why Did the Stock Market Crash? The most persuasive explanation for the 1929 stock market crash blames the Federal Reserve. Throughout the 1920s, but particularly in 1927, the Fed pumped artificial credit into the loan market, pushing down interest rates from their free-market level. Lower interest rates exaggerated the feeling of prosperity, and misled businesses and investors. In a laissez-faire market where money and banking are not disturbed by the government, the interest rate is a price that tells borrowers how much capital citizens have saved and made available to fund projects. But when the Fed adopts an “easy-money” policy by pushing down interest rates, this signal is distorted and the interest rate no longer does its job of channeling the available capital into the most deserving projects. Instead, an unsustainable boom develops, with firms hiring workers and starting production processes that will have to be discontinued once the Fed slows down its injections of new money. Many economists point to the Fed hikes in interest rates during 1928 and 1929 as the cause of the stock market crash. In a sense this is true, but the deeper point is that the crash was made inevitable by the bubble in the stock market fueled by the artificially cheap credit preceding the hikes. In other words, when the Fed stopped pumping in gobs of new money that pushed up the stock market, investors came to their senses and asset prices plunged back towards their pre-bubble level.

And then, Jane looks August straight on, folds her arms across her chest, and says, “What the fuck, August?” August mentally flips through the plan for tonight—nope, definitely not part of it. “What?” “I can’t do this anymore,” Jane says. She paces toward August, sneakers thumping hard on the floor of the car. She’s pissed off. Brow furrowed, eyes vivid and angry. August scrambles to figure out how she screwed this up so fast. “You—you can’t do what?” “August,” she says, and she’s right in front of her. “Is this a date? Am I on a date right now?” Fuck. August leans against the door, equivocating. “Do you want it to be a date?” “No,” Jane says, “you tell me, because I have been putting every move I know on you for months and I can’t figure you out, and you kept saying you were only kissing me for research, and then you stopped kissing me, but then you kissed me again, and you’re standing there looking like that in fucking thigh highs and bringing me wine and making me feel things I didn’t even know I could remember how to feel, and I’m going out of my goddamn mind—” “Wait.” August holds both hands up. Jane’s breaths are coming high and short, and August suddenly feels close to hysterical. “You like me?” Jane’s hands clench into fists. “Are you kidding me?” “But I asked you on a date!” “When?” “That time I asked you out to drinks!” “That was a date?” “I—but—and you—all those other girls you told me about, you were always—you just went for it, I thought if you wanted me like that, you would have gone for it by now—” “Yeah,” Jane says flatly, “but none of those girls were you.” August stares. “What do you mean?” “Jesus, August, what do you think I mean?” Jane says, voice cracking, arms thrown out at her sides. “None of them were you. Not a single one of them was this girl who dropped out of the fucking future to save me with her ridiculous hair and her pretty hands and her big, sexy brain, okay, is that what you want me to say? Because it’s the truth. Everything else about my life is fucked, so, can you—can you please just tell me, am I on a fucking date right now?” She makes a helpless gesture, and August is breathless at the pure frustration in it, the way it looks so broken in, like Jane’s been living with it for months. And her hands are shaking. She’s nervous. August makes her nervous. It sinks in and rearranges in August’s brain—the borrowed kisses, the times Jane’s bit her lip or slid her hand across August’s waist or asked her to dance, all the ways she’s tried to say it without saying it. They’re both hopeless at saying it, August realizes. So August opens her mouth and says, “It was never just research.” “Of course it fucking wasn’t,” Jane says, and she hauls August in by the sway of her waist and finally, finally kisses her.

A businessman buys a business and tries to operate it. He does everything that he knows how to do but just cannot make it go. Year after year the ledger shows red, and he is not making a profit. He borrows what he can, has a little spirit and a little hope, but that spirit and hope die and he goes broke. Finally, he sells out, hopelessly in debt, and is left a failure in the business world. A woman is educated to be a teacher but just cannot get along with the other teachers. Something in her constitution or temperament will not allow her to get along with children or young people. So after being shuttled from one school to another, she finally gives up, goes somewhere and takes a job running a stapling machine. She just cannot teach and is a failure in the education world. I have known ministers who thought they were called to preach. They prayed and studied and learned Greek and Hebrew, but somehow they just could not make the public want to listen to them. They just couldn’t do it. They were failures in the congregational world. It is possible to be a Christian and yet be a failure. This is the same as Israel in the desert, wandering around. The Israelites were God’s people, protected and fed, but they were failures. They were not where God meant them to be. They compromised. They were halfway between where they used to be and where they ought to be. And that describes many of the Lord’s people. They live and die spiritual failures. I am glad God is good and kind. Failures can crawl into God’s arms, relax and say, “Father, I made a mess of it. I’m a spiritual failure. I haven’t been out doing evil things exactly, but here I am, Father, and I’m old and ready to go and I’m a failure.” Our kind and gracious heavenly Father will not say to that person, “Depart from me—I never knew you,” because that person has believed and does believe in Jesus Christ. The individual has simply been a failure all of his life. He is ready for death and ready for heaven. I wonder if that is what Paul, the man of God, meant when he said: [No] other foundation can [any] man lay than that is laid, which is Jesus Christ. Now if any man build upon this foundation gold, silver, precious stones, wood, hay, stubble; every man’s work shall be made manifest: for the day shall declare it, because it shall be revealed by fire; and the fire shall try every man’s work of what sort it is. If any man’s work abide which he hath built thereupon, he should receive a reward. If any man’s work shall be burned, he shall suffer loss: but he himself shall be saved; yet so as by fire (1 Cor. 3:11-15). I think that’s what it means, all right. We ought to be the kind of Christian that cannot only save our souls but also save our lives. When Lot left Sodom, he had nothing but the garments on his back. Thank God, he got out. But how much better it would have been if he had said farewell at the gate and had camels loaded with his goods. He could have gone out with his head up, chin out, saying good riddance to old Sodom. How much better he could have marched away from there with his family. And when he settled in a new place, he could have had “an abundant entrance” (see 2 Pet. 1:11). Thank God, you are going to make it. But do you want to make it in the way you have been acting lately? Wandering, roaming aimlessly? When there is a place where Jesus will pour “the oil of gladness” on our heads, a place sweeter than any other in the entire world, the blood-bought mercy seat (Ps. 45:7; Heb. 1:9)? It is the will of God that you should enter the holy of holies, live under the shadow of the mercy seat, and go out from there and always come back to be renewed and recharged and re-fed. It is the will of God that you live by the mercy seat, living a separated, clean, holy, sacrificial life—a life of continual spiritual difference. Wouldn’t that be better than the way you are doing it now?

When she finally reached it, she bent forward and looked through the peephole. Jay was grinning back at her from outside. Her heart leaped for a completely different reason. She set aside her crutches and quickly unbolted the door to open it. "What took you so long?" Her knee was bent and her ankle pulled up off the ground. She balanced against the doorjamb. "What d'you think, dumbass?" she retorted smartly, keeping her voice down so she wouldn't alert her parents. "You scared the crap out of me, by the way. My parents are already in bed, and I was all alone down here." "Good!" he exclaimed as he reached in and grabbed her around the waist, dragging her up against him and wrapping his arms around her. She giggled while he held her there, enjoying everything about the feel of him against her. "What are you doing here? I thought I wouldn't see you till tomorrow." "I wanted to show you something!" He beamed at her, and his enthusiasm reached out to capture her in its grip. She couldn't help smiling back excitedly. "What is it?" she asked breathlessly. He didn't release her; he just turned, still holding her gently in his arms, so that she could see out into the driveway. The first thing she noticed was the officer in his car, alert now as he kept a watchful eye on the two of them. Violet realized that it was late, already past eleven, and from the look on his face, she thought he must have been hoping for a quiet, uneventful evening out there. And then she saw the car. It was beautiful and sleek, painted a glossy black that, even in the dark, reflected the light like a polished mirror. Violet recognized the Acura insignia on the front of the hood, and even though she could tell it wasn't brand-new, it looked like it had been well taken care of. "Whose is it?" she asked admiringly. It was way better than her crappy little Honda. Jay grinned again, his face glowing with enthusiasm. "It's mine. I got it tonight. That's why I had to go. My mom had the night off, and I wanted to get it before..." He smiled down at her. "I didn't want to borrow your car to take you to the dance." "Really?" she breathed. "How...? I didn't even know you were..." She couldn't seem to find the right words; she was envious and excited for him all at the same time. "I know right?" he answered, as if she'd actually asked coherent questions. "I've been saving for...for forever, really. What do you think?" Violet smiled at him, thinking that he was entirely too perfect for her. "I think it's beautiful," she said with more meaning than he understood. And then she glanced back at the car. "I had no idea that you were getting a car. I love it, Jay," she insisted, wrapping her arms around his neck as he hoisted her up, cradling her like a small child." "I'd offer to take you for a test-drive, but I'm afraid that Supercop over there would probably Taser me with his stun gun. So you'll have to wait until tomorrow," he said, and without waiting for an invitation he carried her inside, dead bolting the door behind him. He settled down on the couch, where she'd been sitting by herself just moments before, without letting her go. There was a movie on the television, but neither of them paid any attention to it as Jay reclined, stretching out and drawing her down into the circle of his arms. They spent the rest of the night like that, cradled together, their bodies fitting each other perfectly, as they kissed and whispered and laughed quietly in the darkness. At some point Violet was aware that she was drifting into sleep, as her thoughts turned dreamlike, becoming disjointed and fuzzy and hard to hold on to. She didn't fight it; she enjoyed the lazy, drifting feeling, along with the warmth created by the cocoon of Jay's body wrapped protectively around her. It was the safest she'd felt in days...maybe weeks... And for the first time since she'd been chased by the man in the woods, her dreams were free from monsters.

The difference gave China a $420 billion trade surplus (the US carried the opposite, a $420 billion trade deficit with China). Americans paid for those goods with US dollars, and those payments were credited to China’s bank account at the Federal Reserve. Like any other holder of US dollars, China has the option to sit on those dollars or use them to buy something else. Uncle Sam doesn’t pay interest on the dollars China keeps in its checking account at the Fed, so China usually prefers to move them into what is effectively a savings account at the Fed. It does this by purchasing US Treasuries. “Borrowing from China” involves nothing more than an accounting adjustment, whereby the Federal Reserve subtracts numbers from China’s reserve account (checking) and adds numbers to its securities account (savings). It’s still just sitting on its US dollars, but now China is holding yellow dollars instead of green dollars. To pay back China, the Fed simply reverses the accounting entries, marking down the number in its securities account and marking up the number in its reserve account. It’s all accomplished using nothing more than a keyboard at the New York Federal Reserve Bank.

But believe me, Henry. You’re not the first Snow White I’ve seen, and you probably won’t be the last. You’ll do what you can with the resources you have, and you’ll serve your story by trying to save me.” Sloane dropped her head again. “I should be trying to save you. That would subvert the narrative. But instead here we are, you saving me, or dying in the process. Dying is a lot more likely.” “Only if you take things at face value,” I said. “I’m not going to eat anything you hand me, drink anything you’ve touched, borrow your comb, or put on any of your rings. You know what I will do?” “What?” asked Sloane, not sounding as if she believed that the answer could matter in the slightest. “I’ll shoot you in your goddamn head if I really and truly feel that you’ve become a danger to yourself and others. And then I’ll take your body down to the folks in Agricultural and ask them to use you to fertilize an apple tree. And when you’ve grown to a lovely size and started bearing fruit, I will sit underneath you and not eat a single one of your inevitably poisoned apples.” Sloane glanced at me through her hair, and for a moment I actually saw a wisp of a smile on her face. “You’d do that for me?” she asked.

N.E.W.T. Level Questions 281-300: What house at Hogwarts did Moaning Myrtle belong to? Which dragon did Viktor Krum face in the first task of the Tri-Wizard tournament? Luna Lovegood believes in the existence of which invisible creatures that fly in through someone’s ears and cause temporary confusion? What are the names of the three Peverell brothers from the tale of the Deathly Hallows? Name the Hogwarts school motto and its meaning in English? Who is Arnold? What’s the address of Weasley’s Wizarding Wheezes? During Quidditch try-outs, who did Ron beat to become Gryffindor’s keeper? Who was the owner of the flying motorbike that Hagrid borrows to bring baby Harry to his aunt and uncle’s house? During the intense encounter with the troll in the female bathroom, what spell did Ron use to save Hermione? Which wizard, who is the head of the Department for the Regulation and Control of Magical Creatures at the Ministry of Magic lost his son in 1995? When Harry, Ron and Hermione apparate away from Bill and Fleur’s wedding, where do they end up? Name the spell that freezes or petrifies the body of the victim? What piece did Hermione replace in the game of Giant Chess? What bridge did Fenrir Greyback and a small group of Death Eaters destroy in London? Who replaced Minerva McGonagall as the new Deputy Headmistress, and became the new Muggle Studies teacher at Hogwarts? Where do Bill and Fleur Weasley live? What epitaph did Harry carve onto Dobby’s grave using Malfoy’s old wand? The opal neckless is a cursed Dark Object, supposedly it has taken the lives of nineteen different muggles. But who did it curse instead after a failed attempt by Malfoy to assassinate Dumbledore? Who sends Harry his letter of expulsion from Hogwarts for violating the law by performing magic in front of a muggle? FIND THE ANSWERS ON THE NEXT PAGE! N.E.W.T. Level Answers 281-300 Ravenclaw. Myrtle attended Hogwarts from 1940-1943. Chinese Firebolt. Wrackspurts. Antioch, Cadmus and Ignotus. “Draco dormiens nunquam titillandus” and “Never tickle a sleeping dragon.” Arnold was Ginny’s purple Pygmy Puff, or tiny Puffskein, bred by Fred and George. Number 93, Diagon Alley. Cormac McLaggen. Sirius Black. “Wingardium Leviosa”. Amos Diggory. Tottenham Court Road in London. “Petrificus Totalus”. Rook on R8. The Millenium Bridge. Alecto Carrow. Shell Cottage, Tinworth, Cornwall. “HERE LIES DOBBY, A FREE ELF.” Katie Bell. Malfalda Hopkirk, the witch responsible for the Improper use of Magic Office.

I read Dickens and Shakespear without shame or stint; but their pregnant observations and demonstrations of life are not co-ordinated into any philosophy or religion: on the contrary, Dickens's sentimental assumptions are violently contradicted by his observations; and Shakespear's pessimism is only his wounded humanity. Both have the specific genius of the fictionist and the common sympathies of human feeling and thought in pre-eminent degree. They are often saner and shrewder than the philosophers just as Sancho-Panza was often saner and shrewder than Don Quixote. They clear away vast masses of oppressive gravity by their sense of the ridiculous, which is at bottom a combination of sound moral judgment with lighthearted good humor. But they are concerned with the diversities of the world instead of with its unities: they are so irreligious that they exploit popular religion for professional purposes without delicacy or scruple (for example, Sydney Carton and the ghost in Hamlet!): they are anarchical, and cannot balance their exposures of Angelo and Dogberry, Sir Leicester Dedlock and Mr Tite Barnacle, with any portrait of a prophet or a worthy leader: they have no constructive ideas: they regard those who have them as dangerous fanatics: in all their fictions there is no leading thought or inspiration for which any man could conceivably risk the spoiling of his hat in a shower, much less his life. Both are alike forced to borrow motives for the more strenuous actions of their personages from the common stockpot of melodramatic plots; so that Hamlet has to be stimulated by the prejudices of a policeman and Macbeth by the cupidities of a bushranger. Dickens, without the excuse of having to manufacture motives for Hamlets and Macbeths, superfluously punt his crew down the stream of his monthly parts by mechanical devices which I leave you to describe, my own memory being quite baffled by the simplest question as to Monks in Oliver Twist, or the long lost parentage of Smike, or the relations between the Dorrit and Clennam families so inopportunely discovered by Monsieur Rigaud Blandois. The truth is, the world was to Shakespear a great "stage of fools" on which he was utterly bewildered. He could see no sort of sense in living at all; and Dickens saved himself from the despair of the dream in The Chimes by taking the world for granted and busying himself with its details. Neither of them could do anything with a serious positive character: they could place a human figure before you with perfect verisimilitude; but when the moment came for making it live and move, they found, unless it made them laugh, that they had a puppet on their hands, and had to invent some artificial external stimulus to make it work.

When I was a child, my father forbade me to read science fiction or fantasy. Trash of the highest order, he said. He didn't want me muddying up my young, impressionable mind with crap. If it wasn't worthy of being reviewed in the Times, it did not make it onto our bookshelves. So while my classmates gleefully dove into The Lion, the Witch and the Wardrobe, A Wrinkle in Time, and The Borrowers, I was stuck reading Old Yeller. My saving grace- I was the most popular girl in my class. That's not saying much; it was easy to be popular at that age. All you had to do was wear your hair in French braids, tell your friends your parents let you drink grape soda every night at dinner, and take any dare. I stood in a bucket of hot water for five minutes without having to pee. I ate four New York System wieners (with onions) in one sitting. I cut my own bangs and- bam!- I was queen of the class. As a result I was invited on sleepovers practically every weekend, and it was there that I cheated. I skipped the séances and the Ouija board. I crept into my sleeping bag with a flashlight, zipped it up tight, and pored through those contraband books. I fell into Narnia. I tessered with Meg and Charles Wallace; I lived under the floorboards with Arrietty and Pod. I think it was precisely because those books were forbidden that they lived on in me long past the time that they should have. For whatever reason, I didn't outgrow them. I was constantly on the lookout for the secret portal, the unmarked door that would lead me to another world. I never thought I would actually find it.

For the lady’s husband to become actively jealous was considered both doltish and dishonorable, a breach of the spirit of courtesy. Yet the record suggests that this was a fairly common occurrence and one of the occupational hazards of being a troubadour. The most famous crime passionnel of the epoch was the murder of Guilhem de Cabestanh, a troubadour knight whose love for the Lady Seremonda aroused the jealousy of her husband, Raimon de Castel-Roussillon. The story goes that Raimon killed Guilhem while he was out hunting, removed the heart from the body, and had it served to his wife for dinner, cooked and seasoned with pepper. Then comes the great confrontation: “And when the lady had eaten of it, RAimon de Castel-Roussillon said unto her: “Know you of what you have eaten?’ And she said, ‘I know not, save that the taste thereof is good and savoury.’ Then he said to her that that she had eaten of was in very truth the head of SIr Guilhem of Cabestanh, and caused the head to be brought before her, that she might the more readily believe it. And when the lady had seen and heard this, she straightway fell into a swoon, and when she was recovered of it, she spake and said: “Of a truth, my Lord, such good meat have you given me that never more will I eat of other.” THen he, hearing this, ran upon her with his sword and would have struck at her head, but the lady ran to a balcony, and cast herself down, and so died.” ...the story is probably apocryphal… grisly details...borrowed from an ancient legend...the Middle Ages believed it and drew the intended moral conclusion-that husbands should leave well enough alone. Raimon was held up to scorn while Guilhem became one of the great heroes of the troubadour epoch.

That’s Cervella.” Vero’s hand picks at something in her hair, as she glares down at a disassembled bike. “This one’s his favourite. Do you bike?” Ligaya nods as she remembers the fat-tire red bike. Pedro’s. He let her borrow it to visit family in the next village. She touches her thighs as she remembers the feeling of freedom, covering such distance by the strength of her own legs, not minding at all when she had to ride home in the pouring rain, her sweat and the rainwater indistinguishable on her cheeks. Again, she feels the uncomfortable vertigo of her body being in one place and her mind in another, the two so far apart. But Vero does not wait for an answer. She pulls Ligaya—not roughly—her fingertips soft on the exposed skin of Ligaya’s wrist. But Ligaya is unaccustomed to touch. Nobody touched her at the Poons. She breathes deeply and counts the bikes. She must not flinch, wills herself not to pull away; she cannot afford to give offense. Vero twirls her around and points at a poster above the workbench. “That! Read it!” But Ligaya does not have to read it. Vero reads it for her. Since the bike makes little demand on material or energy resources, contributes little to pollution, makes a positive contribution to health and causes little death, or injury, it can be regarded as the most benevolent of machines. —Stuart S. Wilson She pauses as if she might expect a response this time. She gestures at the room stuffed with bikes until it seems the very walls and ceiling are made of bikes, the scent of rubber tires replacing oxygen. “Ridiculous, right? The bike will save the world, he says. Yes, but you just need one, I say. One bike. That I can see. That I can even admire. I’m sure Stuart buddy here couldn’t even imagine this … this … biketrocity. And that he should be to blame?!

When you are fully owned by your disbelief, then there is no further discussion that needs to be had between you and the God you once trusted. In fact, your very senses are numb to His presence, your eyes shut, your ears closed, and your body turned away. In this instance you have come to grips with the fact that, if need be, you would stand up in front of the world and say, “I deny Jesus is Lord,” and you would be content with that denial. But before you jump to your feet, first consider that this verbal rejection of Jesus comes with an effect, and that is that as you deny Him, so He denies you. As He said in the book of Matthew, “Whoever denies me before men, I also will deny before my Father who is in heaven” (Matt. 10:33 esv). So is it any wonder that in your denial of the One who was sent to save you, you have found more and more animosity toward God and His people? That your heart has hardened more with each passing day? This is the result of Jesus denying you more than it is of you denying Him. The truth is that you own your faith when and only when Christ owns you. William Barley, in The Letters of James and Peter, spoke this better than we ever could when he said, It frequently happens that the value of a thing lies in the fact that someone has possessed it. A very ordinary thing acquires a new value if it has been possessed by some famous person. In any museum we will find quite ordinary things—clothes, a walking-stick, a pen, pieces of furniture—which are only of value because they were possessed and used by some great person. It is the ownership which gives them worth. It is so with the Christian. The Christian may be a very ordinary person, but he acquires a new value and dignity and greatness because he belongs to God. The greatness of the Christian lies in the fact that he is God’s.

I open the box, and there are notes. Notes and notes and notes. Peter’s notes. Peter’s notes I threw away. “I found them when I was emptying your trash,” she says. Hastily she adds, “I only read a couple. And then I saved them because I could tell they were important.” I touch one that Peter folded into an airplane. “Kitty…you know Peter and I aren’t getting back together, right?” Kitty grabs the bowl of popcorn and says, “Just read them.” Then she goes into the living room and turns on the TV. I close the hatbox and take it with me upstairs. When I am in my room, I sit on the floor and spread them out around me. A lot of the notes just say things like “Meet you at your locker after school” and Can I borrow your chemistry notes from yesterday?” I find the spiderweb one from Halloween, and it makes me smile. Another one says, “Can you take the bus home today? I want to surprise Kitty and pick her up from school so she can show me and my car off to her friends.” “Thanks for coming to the estate sale with me this weekend. You made the day fun. I owe you one.” “Don’t forget to pack a Korean yogurt for me!” “If you make Josh’s dumb white-chocolate cranberry cookies and not my fruitcake ones, it’s over.” I laugh out loud. And then, the one I read over and over: “You look pretty today. I like you in blue.” I’ve never gotten a love letter before. But reading these notes like this, one after the other, it feels like I have. It’s like…it’s like there’s only ever been Peter. Like everyone else that came before him, they were all to prepare me for this. I think I see the difference now, between loving someone from afar and loving someone up close. When you see them up close, you see the real them, but they also get to see the real you. And Peter does. He sees me, and I see him. Love is scary: it changes; it can go away. That’s part of the risk. I don’t want to be scared anymore. I want to be brave, like Margot. It’s almost a new year, after all.

As I saw it, there was a 75 percent chance the Fed’s efforts would fall short and the economy would move into failure; a 20 percent chance it would initially succeed at stimulating the economy but still ultimately fail; and a 5 percent chance it would provide enough stimulus to save the economy but trigger hyperinflation. To hedge against the worst possibilities, I bought gold and T-bill futures as a spread against eurodollars, which was a limited-risk way of betting on credit problems increasing. I was dead wrong. After a delay, the economy responded to the Fed’s efforts, rebounding in a noninflationary way. In other words, inflation fell while growth accelerated. The stock market began a big bull run, and over the next eighteen years the U.S. economy enjoyed the greatest noninflationary growth period in its history. How was that possible? Eventually, I figured it out. As money poured out of these borrower countries and into the U.S., it changed everything. It drove the dollar up, which produced deflationary pressures in the U.S., which allowed the Fed to ease interest rates without raising inflation. This fueled a boom. The banks were protected both because the Federal Reserve loaned them cash and the creditors’ committees and international financial restructuring organizations such as the International Monetary Fund (IMF) and the Bank for International Settlements arranged things so that the debtor nations could pay their debt service from new loans. That way everyone could pretend everything was fine and write down those loans over many years. My experience over this period was like a series of blows to the head with a baseball bat. Being so wrong—and especially so publicly wrong—was incredibly humbling and cost me just about everything I had built at Bridgewater. I saw that I had been an arrogant jerk who was totally confident in a totally incorrect view. So there I was after eight years in business, with nothing to show for it. Though I’d been right much more than I’d been wrong, I was all the way back to square one.

That, for a while, seemed like life. And if I was really being honest with myself, I wasn’t into it. The only option was to sit in the pews every Sunday at church and casually wonder if I was going to go to hell because of who I was? No, thank you. Or to understand that the structures on which the country was built were engineered against me? Hard pass. What choice did I have besides constantly code-switching between identities as a means of hiding in plain sight? And wasn’t it just normal to feel like such a mistake as an adult that every time I walked over a bridge or stood on a subway platform, I had to talk myself out of stepping over the edge? I came to believe I was a monster and that I deserved to feel the way I felt. And I didn’t want to turn the page. But through it all there was a constant tethering me to the idea of a future: the library. The library is the place where I could borrow first Grover’s philosophical tome, then a couple of Choose Your Own Adventures I could cheat at, and later a stack of mysteries I could spoil for myself, all attempts to look for some other way of understanding who I was. In the book stacks, I found The Bluest Eye and The Color Purple and Giovanni’s Room and David Rakoff’s Fraud and more. I saw a new vision of Otherness in those books, and the pages kept turning. At the end of every one was a wall waiting to be broken down—a lurch toward becoming—a new paragraph in a story with an ending far different from what I’d ever dared imagine. Every story, whether truth or fiction, is an invitation to imagination, but even more so, it’s an invitation to empathy. The storyteller says, “I am here. Does it matter?” The words that I found in these books were a person calling out from a page, “I am worthy of being heard and you are worthy of hearing my story.” It seems simple but it’s a bold declaration. How many times in life do we receive the message, implicit or explicit, that what we’ve experienced or what we feel isn’t noteworthy or remarkable? The books that I found in the library, ones that I deeply understood and ones that seemed so outside of my experience they might as well have been written in Klingon, all carried the same hopes: to be seen, to be heard, to exist.

Collateral Capacity or Net Worth? If young Bill Gates had knocked on your door asking you to invest $10,000 in his new company, Microsoft, could you get your hands on the money? Collateral capacity is access to capital. Your net worth is irrelevant if you can’t access any of the money. Collateral capacity is my favorite wealth concept. It’s almost like having a Golden Goose! Collateral can help a borrower secure loans. It gives the lender the assurance that if the borrower defaults on the loan, the lender can repossess the collateral. For example, car loans are secured by cars, and mortgages are secured by homes. Your collateral capacity helps you to avoid or minimize unnecessary wealth transfers where possible, and accumulate an increasing pool of capital providing accessibility, control and uninterrupted compounding. It is the amount of money that you can access through collateralizing a loan against your money, allowing your money to continue earning interest and working for you. It’s very important to understand that accessibility, control and uninterrupted compounding are the key components of collateral capacity. It’s one thing to look good on paper, but when times get tough, assets that you can’t touch or can’t convert easily to cash, will do you little good. Three things affect your collateral capacity: ① The first is contributions into savings and investment accounts that you can access. It would be wise to keep feeding your Golden Goose. Often the lure of higher return potential also brings with it lack of liquidity. Make sure you maintain a good balance between long-term accounts and accounts that provide immediate liquidity and access. ② Second is the growth on the money from interest earned on the money you have in your account. Some assets earn compound interest and grow every year. Others either appreciate or depreciate. Some accounts could be worth a great deal but you have to sell or close them to access the money. That would be like killing your Golden Goose. Having access to money to make it through downtimes is an important factor in sustaining long-term growth. ③ Third is the reduction of any liens you may have against these accounts. As you pay off liens against your collateral positions, your collateral capacity will increase allowing you to access more capital in the future. The goose never quit laying golden eggs – uninterrupted compounding. Years ago, shortly after starting my first business, I laughed at a banker that told me I needed at least $25,000 in my business account in order to borrow $10,000. My business owner friends thought that was ridiculously funny too. We didn’t understand collateral capacity and quite a few other things about money.

Lesson one: Pack light unless you want to hump the eight around the mountains all day and night. By the time we reached Snowdonia National Park on Friday night it was dark, and with one young teacher as our escort, we all headed up into the mist. And in true Welsh fashion, it soon started to rain. When we reached where we were going to camp, by the edge of a small lake halfway up, it was past midnight and raining hard. We were all tired (from dragging the ridiculously overweight packs), and we put up the tents as quickly as we could. They were the old-style A-frame pegged tents, not known for their robustness in a Welsh winter gale, and sure enough by 3:00 A.M. the inevitable happened. Pop. One of the A-frame pegs supporting the apex of my tent broke, and half the tent sagged down onto us. Hmm, I thought. But both Watty and I were just too tired to get out and repair the first break, and instead we blindly hoped it would somehow just sort itself out. Lesson two: Tents don’t repair themselves, however tired you are, however much you wish they just would. Inevitably, the next peg broke, and before we knew it we were lying in a wet puddle of canvas, drenched to the skin, shivering, and truly miserable. The final key lesson learned that night was that when it comes to camping, a stitch in time saves nine; and time spent preparing a good camp is never wasted. The next day, we reached the top of Snowdon, wet, cold but exhilarated. My best memory was of lighting a pipe that I had borrowed off my grandfather, and smoking it with Watty, in a gale, behind the summit cairn, with the teacher joining in as well. It is part of what I learned from a young age to love about the mountains: They are great levelers. For me to be able to smoke a pipe with a teacher was priceless in my book, and was a firm indicator that mountains, and the bonds you create with people in the wild, are great things to seek in life. (Even better was the fact that the tobacco was homemade by Watty, and soaked in apple juice for aroma. This same apple juice was later brewed into cider by us, and it subsequently sent Chipper, one of the guys in our house, blind for twenty-four hours. Oops.) If people ask me today what I love about climbing mountains, the real answer isn’t adrenaline or personal achievement. Mountains are all about experiencing a shared bond that is hard to find in normal life. I love the fact that mountains make everyone’s clothes and hair go messy; I love the fact that they demand that you give of yourself, that they make you fight and struggle. They also induce people to loosen up, to belly laugh at silly things, and to be able to sit and be content staring at a sunset or a log fire. That sort of camaraderie creates wonderful bonds between people, and where there are bonds I have found that there is almost always strength.

It felt like fate when I first encountered the automated trading system that promised to transform small investments into substantial wealth over time. The marketing was aggressive, bombarding my social media feeds with images of people lounging on exotic beaches, driving fancy cars, and celebrating their newfound financial freedom. WhatsApp info:+12723328343 As a recent college graduate struggling to make ends meet, I was desperate for a way out of my financial rut, and the allure of easy money was too tempting to ignore. On a whim, I decided to take the plunge. I borrowed from my meager savings and even took out a small loan to fund my excitement. The rush I felt when signing up was like nothing I had ever experienced—an intoxicating thrill, like hopping onto a rollercoaster at full speed. At first, everything seemed to be going exactly as promised. My investment seemed to grow almost overnight, doubling and tripling in value.  My skepticism began to fade, replaced by a sense of confidence and hope for the future. I even shared my success with friends and family, excitedly telling them about the platform that was going to change my life. I imagined a future free from financial worries, a life of luxury and freedom, all thanks to this “revolutionary” trading system. But soon, a familiar sense of unease began to settle in. What had been an impressive surge in profits suddenly plateaued, and I found myself facing unexpected hurdles when trying to withdraw my funds. Pop-up messages about my “account needing an upgrade” and “market tightening” explained away the issues, but the discomfort grew. Still, I convinced myself that success required patience and continued to hold out hope that the system would recover. As weeks turned into months, my investment continued to dwindle. The once-promising account balance plummeted, and each attempt to reach customer support went unanswered. The promises of easy wealth had turned into an unsettling nightmare. Email info: Adwarerecoveryspecialist@auctioneer. net Desperate for answers, I began scouring the internet for any information or advice. That’s when I stumbled across reviews of ADWARE RECOVERY SPECIALIST , a service that seemed to specialize in helping people like me recover lost funds from fraudulent platforms. I felt a glimmer of hope as I read about others who had managed to retrieve their investments with the help of ADWARE RECOVERY SPECIALIST. Perhaps, after all, there was still a way out of this mess. I reached out to their team, and to my relief, they were able to assist me in recovering a portion of the money I thought I had lost for good. ADWARE RECOVERY SPECIALIST gave me the guidance and support I needed to navigate this complicated process, helping me regain control of a situation that had seemed hopeless. Their professionalism and expertise allowed me to salvage what I could, and for that, I am incredibly grateful.

If we take God’s Word seriously, we should avoid debt when possible. In those rare cases where we go into debt, we should make every effort to get out as soon as we can. We should never undertake debt without prayerful consideration and wise counsel. Our questions should be, Why go into debt? Is the risk called for? Will the benefits of becoming servants to the lender really outweigh the costs? What should we ask ourselves before going into debt? Before we incur debt, we should ask ourselves some basic spiritual questions: Is the fact that I don’t have enough resources to pay cash for something God’s way of telling me it isn’t his will for me to buy it? Or is it possible that this thing may have been God’s will but poor choices put me in a position where I can’t afford to buy it? Wouldn’t I do better to learn God’s lesson by foregoing it until—by his provision and my diligence—I save enough money to buy it? What I would call the “debt mentality” is a distorted perspective that involves invalid assumptions: • We need more than God has given us. • God doesn’t know best what our needs are. • God has failed to provide for our needs, forcing us to take matters into our own hands. • If God doesn’t come through the way we think he should, we can find another way. • Just because today’s income is sufficient to make our debt payments, tomorrow’s will be too (i.e., our circumstances won’t change). Those with convictions against borrowing will normally find ways to avoid it. Those without a firm conviction against going into debt will inevitably find the “need” to borrow. The best credit risks are those who won’t borrow in the first place. The more you’re inclined to go into debt, the more probable it is that you shouldn’t. Ask yourself, “Is the money I’ll be obligated to repay worth the value I’ll receive by getting the money or possessions now? When it comes time for me to repay my debt, what new needs will I have that my debt will keep me from meeting? Or what new wants will I have that will tempt me to go further into debt?” Consider these statements of God’s Word: • “True godliness with contentment is itself great wealth. After all, we brought nothing with us when we came into the world, and we can’t take anything with us when we leave it. So if we have enough food and clothing, let us be content” (1 Timothy 6:6-8). • “Those who love money will never have enough. How meaningless to think that wealth brings true happiness!” (Ecclesiastes 5:10). • “My child, don’t lose sight of common sense and discernment. Hang on to them, for they will refresh your soul. They are like jewels on a necklace. They keep you safe on your way, and your feet will not stumble. You can go to bed without fear; you will lie down and sleep soundly. You need not be afraid of sudden disaster or the destruction that comes upon the wicked, for the LORD is your security. He will keep your foot from being caught in a trap” (Proverbs 3:21-26). • “Don’t copy the behavior and customs of this world, but let God transform you into a new person by changing the way you think. Then you will learn to know God’s will for you, which is good and pleasing and perfect” (Romans 12:2).

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A man decides to be a lawyer and spends years studying law and finally puts out his shingle. He soon finds something in his temperament that makes it impossible for him to make good as a lawyer. He is a complete failure. He is 50 years old, was admitted to the bar when he was 30, and 20 years later, he has not been able to make a living as a lawyer. As a lawyer, he is a failure. A businessman buys a business and tries to operate it. He does everything that he knows how to do but just cannot make it go. Year after year the ledger shows red, and he is not making a profit. He borrows what he can, has a little spirit and a little hope, but that spirit and hope die and he goes broke. Finally, he sells out, hopelessly in debt, and is left a failure in the business world. A woman is educated to be a teacher but just cannot get along with the other teachers. Something in her constitution or temperament will not allow her to get along with children or young people. So after being shuttled from one school to another, she finally gives up, goes somewhere and takes a job running a stapling machine. She just cannot teach and is a failure in the education world. I have known ministers who thought they were called to preach. They prayed and studied and learned Greek and Hebrew, but somehow they just could not make the public want to listen to them. They just couldn’t do it. They were failures in the congregational world. It is possible to be a Christian and yet be a failure. This is the same as Israel in the desert, wandering around. The Israelites were God’s people, protected and fed, but they were failures. They were not where God meant them to be. They compromised. They were halfway between where they used to be and where they ought to be. And that describes many of the Lord’s people. They live and die spiritual failures. I am glad God is good and kind. Failures can crawl into God’s arms, relax and say, “Father, I made a mess of it. I’m a spiritual failure. I haven’t been out doing evil things exactly, but here I am, Father, and I’m old and ready to go and I’m a failure.” Our kind and gracious heavenly Father will not say to that person, “Depart from me—I never knew you,” because that person has believed and does believe in Jesus Christ. The individual has simply been a failure all of his life. He is ready for death and ready for heaven. I wonder if that is what Paul, the man of God, meant when he said: [No] other foundation can [any] man lay than that is laid, which is Jesus Christ. Now if any man build upon this foundation gold, silver, precious stones, wood, hay, stubble; every man’s work shall be made manifest: for the day shall declare it, because it shall be revealed by fire; and the fire shall try every man’s work of what sort it is. If any man’s work abide which he hath built thereupon, he should receive a reward. If any man’s work shall be burned, he shall suffer loss: but he himself shall be saved; yet so as by fire (1 Cor. 3:11-15). I think that’s what it means, all right. We ought to be the kind of Christian that cannot only save our souls but also save our lives. When Lot left Sodom, he had nothing but the garments on his back. Thank God, he got out. But how much better it would have been if he had said farewell at the gate and had camels loaded with his goods. He could have gone out with his head up, chin out, saying good riddance to old Sodom. How much better he could have marched away from there with his family. And when he settled in a new place, he could have had “an abundant entrance

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.

In temperament the Second Men were curiously different from the earlier species. The same factors were present, but in different proportions, and in far greater subordination to the considered will of the individual. Sexual vigour had returned. But sexual interest was strangely altered. Around the ancient core of delight in physical and mental contact with the opposite sex there now appeared a kind of innately sublimated, and no less poignant, appreciation of the unique physical and mental forms of all kinds of live things. It is difficult for less ample natures to imagine this expansion of the innate sexual interest; for to them it is not apparent that the lusty admiration which at first directs itself solely on the opposite sex is the appropriate attitude to all the beauties of flesh and spirit in beast and bird and plant. Parental interest also was strong in the new species, but it too was universalized. It had become a strong innate interest in, and a devotion to, all beings that were conceived as in need of help. In the earlier species this passionate spontaneous altruism occurred only in exceptional persons. In the new species, however, all normal men and women experienced altruism as a passion. And yet at the same time primitive parenthood had become tempered to a less possessive and more objective love, which among the First Men was less common than they themselves were pleased to believe. Assertiveness had also greatly changed. Formerly very much of a man's energy had been devoted to the assertion of himself as a private individual over against other individuals; and very much of his generosity had been at bottom selfish. But in the Second Men this competitive self-assertion, this championship of the most intimately known animal against all others, was greatly tempered. Formerly the major enterprises of society would never have been carried through had they not been able to annex to themselves the egoism of their champions. But in the Second Men the parts were reversed. Few individuals could ever trouble to exert themselves to the last ounce for merely private ends, save when those ends borrowed interest or import from some public enterprise. It was only his vision of a world-wide community of persons, and of his own function therein, that could rouse the fighting spirit in a man. Thus it was inwardly, rather than in outward physical characters, that the Second Men differed from the First. And in nothing did they differ more than in their native aptitude for cosmopolitanism. They had their tribes and nations. War was not quite unknown amongst them. But even in primitive times a man's most serious loyalty was directed toward the race as a whole; and wars were so hampered by impulses of kindliness toward the enemy that they were apt to degenerate into rather violent athletic contests, leading to an orgy of fraternization. It would not be true to say that the strongest interest of these beings was social. They were never prone to exalt the abstraction called the state, or the nation, or even the world-commonwealth. For their most characteristic factor was not mere gregariousness but something novel, namely an innate interest in personality, both in the actual diversity of persons and in the ideal of personal development. They had a remarkable power of vividly intuiting their fellows as unique persons with special needs. Individuals of the earlier species had suffered from an almost insurmountable spiritual isolation from one another. Not even lovers, and scarcely even the geniuses with special insight into personality, ever had anything like accurate vision of one another. But the Second Men, more intensely and accurately self-conscious, were also more intensely and accurately conscious of one another. This they achieved by no unique faculty, but solely by a more ready interest in each other, a finer insight, and a more active imagination.

Like Felicity they methodically checked the house office, safe and family bank account details and financial affairs. Angelina then had Inspector Mick bug the boys’ homes, cars and offices and with the information she acquired came knowledge and contacts. She wrote a programme called listen, it saved all conversations digitally and converted it to text into a computer file in a remote location not traceable to her or anybody at 3WW but it recorded all his illicit dealings and it gave her valuable information. She hacked into their individual MIS computer systems and sent spyware via e-mail called virus protection free download and once opened it went through their c drive, all files on their computers, and copied all files to a ip address of a remote computer of Angelina’s request, in a phantom company named Borrow. All data was heavily encrypted and deleted after access and storage was onto an external hard drive storage box, deleting the electronic footpath. The spyware recorded their strokes on the keyboard and Angelina was able to secure even their banking pins and passwords and all their computer passwords. She had a brilliant computer mind, wasted in librarianship

Financial emergency can strike you down at the point of your life. One should always be prepared earlier in order to deal with these unexpected money troubles. But some of us do not have sufficient amount of saving to answer an unpredictable monetary issue. Instant cash loan will assist you in such condition. They are an excellent financial deal that is specially planned to assist the borrowers at the time of sudden monetary emergency.

there were growing pains. Warren Harding addressed the unemployment and lack of growth with a response America would never see again. “We will attempt intelligent and courageous deflation,” he said at the 1920 Republican Convention, “and strike at government borrowing which enlarges the evil.” The rest of the passage is astounding to the modern ear: We promise that relief which will attend the halting of waste and extravagance, and the renewal of the practice of public economy, not alone because it will relieve tax burdens but because it will be an example to stimulate thrift and economy in private life. Let us call to all the people for thrift and economy, for denial and sacrifice if need be, for a nationwide drive against extravagance and luxury, to a recommitment to simplicity of living, to that prudent and normal plan of life which is the health of the republic. There hasn’t been a recovery from the waste and abnormalities of war since the story of mankind was first written, except through work and saving, through industry and denial, while needless spending and heedless extravagance have marked every decay in the history of nations.

The sanctity of these accounts can lead to seemingly bizarre behavior, such as simultaneously borrowing and lending at very different rates. David Gross and Nick Souleles (2002) found that the typical household in their sample had more than $5,000 in liquid assets (typically in savings accounts earning less than 5 percent a year) and nearly $3,000 in credit card balances, carrying a typical interest rate of 18 percent or more. Using the money from the savings account to pay off the credit card debt amounts to what economists call an arbitrage opportunity—buying low and selling high—but the vast majority of households fail to take advantage.

You never want to end up house poor,” he’d tell us, explaining how some people handed over their savings and borrowed too much, ending up with a nice home but no freedom at all.

The idea, in the wake of the savings-and-loans disaster, was to spread risk outward from those immediately involved in lending to mortgage borrowers and to attract investors by turning mortgages into securities that offered a wide range of yield-risk profiles. And it worked. In 1980, 67 percent of American mortgages had been held directly on the balance sheets of depository banks. By the end of the 1990s, the risks involved in America’s system of long-term, fixed interest, easy repayment mortgages were securitized and spread across a much wider segment of the financial system

Pumpkin Heads to all come to the soccer field?” Alex asked. “Somebody is going to have to go throughout town, get their attention and lure them back here,” Steve said. I thought about Old Man Jenkins and his Zombie Horse, Ed. But since Mr. Jenkins was only half the Zombie he used to be, I realized that it was going to be up to me. “I’ll do it,” I said. “I’ll just ride Ed, the Zombie horse, throughout town and get the Pumpkin Heads to chase me back here.” “Way to go, Zombie!” Steve said. “That settles it. Alex, you and Ms. Ursula get the potion to the school’s water supply that’s connected to the sprinkler system. The guys and I will keep the rest of the Pumpkin Heads busy on the soccer field. Right, guys?” “Gulp! Uh, yeah sure…” the guys said. “Except you, Creepy, you can sit this one out,” Steve said. I told my Mom and Dad what I had to do. They didn’t like it, but they knew it was the only way to help save everybody. I stooped down and asked Old Man Jenkins if I could borrow Ed for one last ride. “You’re

You wouldn’t believe what that would fetch. Of course the really valuable ones are the doubles, but they’re rare.” “You mean two eyes from the same person? From someone who’s lost both eyes?” Mr. Carter nodded. “I’ve got three pairs and they’re worth more than the rest put together.” He put out a hand toward a blue velvet box, then changed his mind. The doubles were too valuable to show a child. “I tell you,” said Mr. Carter, “if this house went up in flames, it’s my collection I’d save.” “After you’d saved your wife and the twins,” said Maia. He looked up sharply. “Eh? Yes. Yes, of course--that goes without saying. Now, what was it you wanted?” “Miss Minton wondered whether you might have a map or a chart of the country round the house. It’s just to borrow for a little while.” Mr. Carter sighed, but he got up and began to rummage in a number of drawers. “Here you are,” he said, returning with a rolled-up chart. “It covers ten square miles behind the house. Bring it back.” Maia thanked him and left. She had never seen such a sad room or such a sad hobby.

While Krugman thus ignored the role of the Fed’s inflationary monetary policy, Ron Paul had explained that when interest rates are high, it encourages savings, but when the Fed artificially lowers interest rates, the incentive is to borrow and to spend, rather than to save dollars that would have less purchasing power tomorrow than today.

My battle joy was short-lived. Iolaus seized the back of my tunic and yanked me back, stepping between me and the other fighter. He’d found his footing and his strength. The fortunes of the skirmish changed and ended with a single stab of Iolaus’s borrowed sword. My enemy made a hideous sound and crumpled. Iolaus turned to me, his face monstrous. “In the name of all the gods, Helen, what are you doing here?” He was so enraged he called me by my true name, but it was lost in the chaos of battle. “Get back to the ship now, or I swear by Zeus himself, I’ll drag you there by the hair!” I gave him a sour look. “You’ll need both hands free for that. Better give me that sword back first.” I nodded at the blade I’d brought him, the one that had saved his life. Iolaus wasn’t in the mood for inconvenient reminders. “I’ll thank you later, if you’re alive to hear it. Now get back to the ship before something else hap--” A fresh war cry from one of the remaining riders tore the air, loud and imperious enough to draw everyone’s attention.

The Fed’s fingerprints were all over this boom, and not just because of Greenspan’s low interest rates. In 1993, in response to initiatives by the Clinton administration to make housing more affordable for minorities and the poor, the Boston Fed produced a widely circulated paper called “Closing the Gap: A Guide to Equal Opportunity Lending.” “Lack of credit history should not be seen as a negative factor” in obtaining a mortgage, the Boston Fed guide noted. As an effort to counter “unintentional” racism in lending markets, the guide sanctioned lowering traditional mortgage-lending standards. Not enough saved for a down payment? No problem. The Boston Fed’s PhDs encouraged banks to allow loans from nonprofits or government assistance agencies to go toward a borrower’s down payment, though such borrowers are more likely to default on their mortgages. The Boston Fed distributed more than ninety thousand copies of this remarkably naïve guide. The mortgage industry, anxious to extend its reach and generate fees, embraced its suggestions.

Beauty can save the world When people encounter the beauty of nature - mountains, rivers, vegetation - they will be able to refrain from the ugly things they do or the cheap personality they inculcate within. Once they see this beauty, they will turn generous and helpful

Historically, banks made their money by borrowing and lending, which generated interest income. But events like the savings and loan crisis in the late 1980s and early 1990s, when so many banks failed, illustrated how disastrous that model could be. In order to make banks less vulnerable to volatile interest rates, bank examiners encouraged them to find other ways to make a profit. That’s when banks discovered fees—the fees that anger and frustrate nearly everyone I’ve spoken with.

When one experiences a profound setback in the course of an enviable life, one has a variety of options. Spurred by shame, one may attempt to hide all evidence of the change in one’s circumstances. Thus, the merchant who gambles away his savings will hold on to his finer suits until they fray, and tell anecdotes from the halls of the private clubs where his membership has long since lapsed. In a state of self-pity, one may retreat from the world in which one has been blessed to live. Thus, the long-suffering husband, finally disgraced by his wife in society, may be the one who leaves his home in exchange for a small, dark apartment on the other side of town. Or, like the Count and Anna, one may simply join the Confederacy of the Humbled. Like the Freemasons, the Confederacy of the Humbled is a close-knit brotherhood whose members travel with no outward markings, but who know each other at a glance. For having fallen suddenly from grace, those in the Confederacy share a certain perspective. Knowing beauty, influence, fame, and privilege to be borrowed rather than bestowed, they are not easily impressed. They are not quick to envy or take offense. They certainly do not scour the papers in search of their own names.

Good morning to Karen’s fertile and barren friends. I thought I’d send over the plan for the completely unnecessary, mawkish, and expensive non-tradition borrowed from America that is our friend Karen’s baby shower. Karen thinks it’s always good to demand money and time from people to celebrate her own personal life choices and we felt you haven’t given her quite enough in recent history, what, with the $1500 pound hen do in Ibiza, wedding in Majorca with a strict dress code, and gift registry at Selfridges. (NB: ladies-- if you get a new job or buy or flat on your own, you get a card and that’s it! We want to make sure there’s no prprecedent set. We’re not made of money!!) The good news is, after Karen gives birth she won’t see any of her childless friends unless all they want to do is talk about her baby and nothing else. So you can treat this as her farewell party as well as her baby shower. And save those pennies for a couple of years, that is of course until she comes back to you when she’s stopped breast feeding and is bored out of her mind, demands you all go out to drink, dance, and take loads of drugs, then sends you an offish text the following week saying she can’t really have a night out like that again because “I’M A MOTHER NOW.

Pages 85-87: Lower Burma when first occupied … was a vast deltaic plain of swamp and jungle, with a secure rainfall; when the opening of the canal created a market for rice, this wide expanse of land was rapidly reclaimed by small cultivators … Formerly, the villager in Lower Burma, like peasants in general, cultivated primarily for home consumption, and it has always been the express policy of the Government to encourage peasant proprietorship. Land in the delta was abundant … The opening of the canal provided a certain and profitable market for as much rice as people could grow. … men from Upper Burma crowded down to join in the scramble for land. In two or three years a laborer could save out of his wages enough money to buy cattle and make a start on a modest scale as a landowner. … The land had to be cleared rapidly and hired labor was needed to fell the heavy jungle. In these circumstances newly reclaimed land did not pay the cost of cultivation, and there was a general demand for capital. Burmans, however, lacked the necessary funds, and had no access to capital. They did not know English or English banking methods, and English bankers knew nothing of Burmans or cultivation. … in the ports there were Indian moneylenders of the chettyar caste, amply provided with capital and long accustomed to dealing with European banks in India. About 1880 they began to send out agents into the villages, and supplied the people with all the necessary capital, usually at reasonable rates and, with some qualifications, on sound business principles. … now the chettyars readily supplied the cultivators with all the money that they needed, and with more than all they needed. On business principles the money lender preferred large transactions, and would advance not merely what the cultivator might require but as much as the security would stand. Naturally, the cultivator took all that he could get, and spent the surplus on imported goods. The working of economic forces pressed money on the cultivator; to his own discomfiture, but to the profit of the moneylenders, of European exporters who could ensure supplies by giving out advances, of European importers whose cotton goods and other wares the cultivator could purchase with the surplus of his borrowings, and of the banks which financed the whole economic structure. But at the first reverse, with any failure of the crop, the death of cattle, the illness of the cultivator, or a fall of prices, due either to fluctuations in world prices or to manipulation of the market by the merchants, the cultivator was sold up, and the land passed to the moneylender, who found some other thrifty laborer to take it, leaving part of the purchase price on mortgage, and with two or three years the process was repeated. … As time went on, the purchasers came more and more to be men who looked to making a livelihood from rent, or who wished to make certain of supplies of paddy for their business. … Others also, merchants and shopkeepers, bought land, because they had no other investment for their profits. These trading classes were mainly townsfolk, and for the most part Indians or Chinese. Thus, there was a steady growth of absentee ownership, with the land passing into the hands of foreigners. Usually, however, as soon as one cultivator went bankrupt, his land was taken over by another cultivator, who in turn lost with two or three years his land and cattle and all that he had saved. [By the 1930s] it appeared that practically half the land in Lower Burma was owned by absentees, and in the chief rice-producing districts from two-thirds to nearly three-quarters. … The policy of conserving a peasant proprietary was of no avail against the hard reality of economic forces…

From studying 50-plus civil wars and revolutions, it became clear that the single most reliable leading indicator of civil war or revolution is bankrupt government finances combined with big wealth gaps. That is because when the government lacks financial power, it can’t financially save those entities in the private sector that the government needs to save to keep the system running (as most governments, led by the United States, did at the end of 2008), it can’t buy what it needs, and it can’t pay people to do what it needs them to do. It is out of power. A classic marker of being in Stage 5 and a leading indicator of the loss of borrowing and spending power, which is one of the triggers for going into Stage 6, is that the government has large deficits that are creating more debt to be sold than buyers other than the government’s own central bank are willing to buy. That leading indicator is turned on when governments that can’t print money have to raise taxes and cut spending, or when those that can print money print a lot of it and buy a lot of government debt.

Let’s look at savings and debt in terms of your net worth. If you have £5,000 in savings and £10,000 in debt, your net worth is -£5,000. That means that in real terms, you are £5,000 in debt overall. Let’s look at savings and debt in terms of interest. If you have £5,000 in savings and £10,000 in debt, you will typically earn around £50 in annual interest on savings, and you can typically pay around £500 in annual interest on debt. Why pay more to borrow money that you already have?

only person watching them. She’d noticed that before with Colin. At large dinners, people a few seats down would stop eating and lean over to listen to him. Colin left James, and a moment later he appeared beside her with a bottle of wine and glasses for her and her father. He kissed Faye, checked his watch, and said, “When can we ask them all to leave?” “Well,” said Deborah, once the guests were gone. “That was a success.” She had arranged for them to borrow her friend’s house in Provence for their honeymoon. “Actually,” Faye had said, “we’re going to India.” And on their honeymoon a week later, in a coracle spinning on a river in Hampi, Faye gripped the straw edges of the boat and she laughed and laughed and laughed. — AFTER THEY WERE MARRIED, my parents often went on trips abroad with his friends, to rented villas in France, Sardinia, Mallorca. I visited the one in Mallorca when I was twenty-two, after saving for months to buy the ticket. I went in September, when the villa where they’d stayed was empty. A sign for a security system was posted

There’s no philosophy behind it and no taste. No matter how rich and wonderful it all looks on the outside, when you take off the lid and look inside there’s nothing but a jumble of borrowed junk. It’s the worst kind of ignorance.

By the time I bought Pronto Markets, it might have taken only a slightly bigger trailer, mostly to accommodate the cribs for the two kids we now had. We did find the money, somehow. Rexall was willing to take back paper. (Dart was in a hurry to wind up his retailing affairs. This was a big advantage for me, because if I walked away, he’d be left with a crumb of a bastard business.) We had $4,000 from Alice’s savings from her teaching school before she had the kids (we lived on my $325) and we sold our little house in which we had an equity of $7,000. I borrowed $2,000 from my grandmother and $5,000 from my father. (Pop, an engineer, spent most of his career being alternately employed and dis-employed by General Dynamics depending on the vagaries of the aerospace business; in between he owned a series of small businesses. I think he even had a Mac Tool route in 1962.)

Bill Clinton became the UN Special Envoy for Haiti, pledging, in a slogan borrowed from his work after the 2004 Indian Ocean tsunami, to “Build Back Better” from the storms. The stakes, everyone knew, were high. President Préval, ever more

He suddenly paused in his reflection and stood still. “It shall not be? But what are you going to do to prevent it? You’ll forbid it? And what right have you? What can you promise them on your side to give you such a right? Your whole life, your whole future, you will devote to them when you have finished your studies and obtained a post? Yes, we have heard all that before, and that’s all words, but now? Now something must be done, now, do you understand that? And what are you doing now? You are living upon them. They borrow on their hundred roubles pension. They borrow from the Svidrigaïlovs. How are you going to save them from Svidrigaïlovs, from Afanasy Ivanovitch Vahrushin, oh, future millionaire Zeus who would arrange their lives for them? In another ten years? In another ten years, mother will be blind with knitting shawls, maybe with weeping too. She will be worn to a shadow with fasting; and my sister? Imagine for a moment what may have become of your sister in ten years? What may happen to her during those ten years? Can you fancy?” So he tortured himself, fretting himself with such questions, and finding a kind of enjoyment in it. And yet all these questions were not new ones suddenly confronting him, they were old familiar aches. It was long since they had first begun to grip and rend his heart. Long, long ago his present anguish had its first beginnings; it had waxed and gathered strength, it had matured and concentrated, until it had taken the form of a fearful, frenzied and fantastic question, which tortured his heart and mind, clamoring insistently for an answer.

There is something coarse and foolish about borrowing our picture of God (as did so many of the Reformers, Protestant and Catholic alike) from the early modern ideology of absolute monarchy and of total sovereignty. It results in a way of thinking about God that is clearly antithetical to everything that the healthier Christian tradition says was revealed about God in Christ, and that simply embraces moral imbecility under the form of an awesome “paradox.

They borrowed in one life, promising to pay back in the next. They believed in a purgatorial type of hell where they would be purged of their sins, afterward passing on to the happiness of unity with the gods. The Druids taught that all men would be saved, but that some must return to earth many times to learn the lessons of human life and to overcome the inherent evil of their own natures.

Debt is fun—until you have to pay it back at the worst possible time. So, as an alternative, live within your means. Do not count on a bonus or raise to cover your spending. Assume they will not happen—but if they do occur, have a celebratory meal and save most of the rest. People fall into the trap of borrowing from one lender or credit card to pay another. If you are doing that, stop now before it’s too late. Cut your spending. We enjoy, but do not need, much of what we buy. Prioritize spending patterns and say no to yourself and your family. It will reduce financial stress and help you support a comfortable life in retirement.

And tell Rowan,” Aelin said, fighting her own sob, “that I’m sorry I lied. But tell him it was all borrowed time anyway. Even before today, I knew it was all just borrowed time, but I still wish we’d had more of it.” She fought past her trembling mouth. “Tell him he has to fight. He must save Terrasen, and remember the vows he made to me. And tell him … tell him thank you—for walking that dark path with me back to the light.

In many ways, Kaua‘i is the ultimate example of what a world would look like if plants were in charge. The whole island is covered in the surreal products of total floral freedom. When plants are allowed to evolve without fear, they get scrupulously and flamboyantly specific. Take the Hibiscadelphus genus, for example. Found only in Hawai‘i, these plants have long tubular flowers, custom-made to fit the hooked beak of the honeycreeper, the precise bird that pollinates them. Then there is the vulcan palm, Brighamia insignis, or ‘Ōlulu in Hawaiian, a short tree best described by its nickname, “cabbage on a stick.” Over tens of thousands of years, it has evolved to be pollinated only by the extremely rare fabulous green sphinx moth (its real name). The vulcan palm, still critically endangered in the wild, was saved from total extinction by Perlman’s work in the early days of the extinction prevention program, when he made his own harness out of knotted ropes and used it to hang over the Nā Pali Coast cliffs. There, four thousand feet in the air, he would use a small cosmetic brush borrowed from his wife to imitate the moth, carefully transferring the pollen from the males to the females. “You’d know if you did it well,” Perlman said. “When you’d go back, there’d be fruits just bursting open with seed.” (The vulcan palm is now cultivated as a houseplant in the Netherlands, where there are greenhouses full of them. I wonder if a person with a potted Vulcan palm on their Amsterdam windowsill knows of the drama it took to get it there.)

Make a run for it, Chloe! Save yourself! I'll distract her until you get to the good parts.

There was a lone poppy-head in the field that was saving its thoughts on a pile in the wood and when it had shaken its fear of motion it borrowed a sugar bowl at a small train station and dispatched this letter I am always so alone I miss your fine tentacles My skin is no longer smoked Now I belong to that order of birds who let others hatch their eggs Come I send sweetest regards

That poem you like, how does it end?” He knows how it ends. He’s looked it up by now, that’s why he asks. But I answer him anyway. “‘We have lingered in the chambers of the sea, by sea-girls wreathed with seaweed red and brown, till human voices wake us, and we drown.’” Eliot shakes his head. “It does not need the last three words. The last three words are wrong.” I laugh at his correcting a Nobel prize-winning poet, but I agree. I know what drowning feels like. It doesn’t need water. And human voices, if they say the right things, can save you. “Eliot, do you have a pen I can borrow?” I can feel him smiling in the dark, and we watch the sea caress the sand. “That man in the poem, Mr. Prufrock, he was a coward, wasn’t he?” Eliot says. My answer to his question is the same as his answer to mine.

And for the first time in my life, I fell in love. I fell in love with his hand on my waist, under the stars, while we danced to borrowed words. I fell in love with his breath on my ear, his cheek pressed against mine, with his body pressed tightly to mine. I fell in love again when we lay on the ground, my head on his chest and his hand in my hair. His heart beating in my ear was the loudest sound, my favorite sound.