Borrowing Money From Friends Quotes

I believe it is trust,’ she adds. ‘Trust?’ ‘Yes, trust. Anything you do – borrowing money from a bank, commissioning a piece of work, sending or receiving a parcel, making a plan with friends, ordering food at a restaurant – all those things can only happen because of mutual trust on both sides.

On Rachel's show for November 7, 2012: We're not going to have a supreme court that will overturn Roe versus Wade. There will be no more Antonio Scalias and Samuel Aleatos added to this court. We're not going to repeal health reform. Nobody is going to kill medicare and make old people in this generation or any other generation fight it out on the open market to try to get health insurance. We are not going to do that. We are not going to give a 20% tax cut to millionaires and billionaires and expect programs like food stamps and kid's insurance to cover the cost of that tax cut. We'll not make you clear it with your boss if you want to get birth control under the insurance plan that you're on. We are not going to redefine rape. We are not going to amend the United States constitution to stop gay people from getting married. We are not going to double Guantanamo. We are not eliminating the Department of Energy or the Department of Education or Housing at the federal level. We are not going to spend $2 trillion on the military that the military does not want. We are not scaling back on student loans because the country's new plan is that you should borrow money from your parents. We are not vetoing the Dream Act. We are not self-deporting. We are not letting Detroit go bankrupt. We are not starting a trade war with China on Inauguration Day in January. We are not going to have, as a president, a man who once led a mob of friends to run down a scared, gay kid, to hold him down and forcibly cut his hair off with a pair of scissors while that kid cried and screamed for help and there was no apology, not ever. We are not going to have a Secretary of State John Bolton. We are not bringing Dick Cheney back. We are not going to have a foreign policy shop stocked with architects of the Iraq War. We are not going to do it. We had the chance to do that if we wanted to do that, as a country. and we said no, last night, loudly.

Yes! And isn't that the root of every despicable action? Not selfishness, but precisely the absence of a self. Look at them. The man who cheats and lies, but preserves a respectable front. He knows himself to be dishonest, but others think he's honest and he derives his self-respect from that, second-hand. The man who takes credit for an achievement which is not his own. He knows himself to be mediocre, but he's great in the eyes of others. The frustrated wretch who professes love for the inferior and clings to those less endowed, in order to establish his own superiority by comparison. The man whose sole aim is to make money. Now I don't see anything evil in a desire to make money. But money is only a means to some end. If a man wants it for a personal purpose--to invest in his industry, to create, to study, to travel, to enjoy luxury--he's completely moral. But the men who place money first go much beyond that. Personal luxury is a limited endeavor. What they want is ostentation: to show, to stun, to entertain, to impress others. They're second-handers. Look at our so-called cultural endeavors. A lecturer who spouts some borrowed rehash of nothing at all that means nothing at all to him--and the people who listen and don't give a damn, but sit there in order to tell their friends that they have attended a lecture by a famous name. All second-handers.

Good friends always pay you back , when they have borrowed money from you. Bad friends give you attitude and don't pay you back , because they are selfish and they think no one is more deserving than them.

You haven't any right to expect your friends to be larger than yourself, larger than life. Just take them as they are, cut down to average size, and be glad you have them. To drink with, laugh with, borrow money from, lend money to, stay away from their special girls as you want them to stay away from yours, and above all, never break your word to, once it's been given. And that is all the obligation you have, all you have the right to expect. ("New York Blues")

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.

From there we’d go over to the Friendly Lounge at Tenth and Washington, owned by a guy named John who went by the nickname of Skinny Razor. At first I didn’t know anything about John, but some of the guys from Food Fair pushed a little money on their routes for John. A waitress, say, at a diner would borrow $100 and pay back $12 a week for ten weeks. If she couldn’t afford the $12 one week she’d just pay $2, but she’d still owe the $12 for that week and it would get added on at the end. If it wasn’t paid on time the interest would keep piling up. The $2 part of the debt was called the “vig,” which is short for vigorish. It was the juice. My

My concern with democracy is highly specific. It begins in observing the remarkable fact that, while democracy means a government accountable to the electorate, our rulers now make us accountable to them. Most Western governments hate me smoking, or eating the wrong kind of food, or hunting foxes, or drinking too much, and these are merely the surface disapprovals, the ones that provoke legislation or public campaigns. We also borrow too much money for our personal pleasures, and many of us are very bad parents. Ministers of state have been known to instruct us in elementary matters, such as the importance of reading stories to our children. Again, many of us have unsound views about people of other races, cultures, or religions, and the distribution of our friends does not always correspond, as governments think that it ought, to the cultural diversity of our society. We must face up to the grim fact that the rulers we elect are losing patience with us. No philosopher can contemplate this interesting situation without beginning to reflect on what it can mean. The gap between political realities and their public face is so great that the term “paradox” tends to crop up from sentence to sentence. Our rulers are theoretically “our” representatives, but they are busy turning us into the instruments of the projects they keep dreaming up. The business of governments, one might think, is to supply the framework of law within which we may pursue happiness on our own account. Instead, we are constantly being summoned to reform ourselves. Debt, intemperance, and incompetence in rearing our children are no doubt regrettable, but they are vices, and left alone, they will soon lead to the pain that corrects. Life is a better teacher of virtue than politicians, and most sensible governments in the past left moral faults to the churches. But democratic citizenship in the twenty-first century means receiving a stream of improving “messages” from politicians. Some may forgive these intrusions because they are so well intentioned. Who would defend prejudice, debt, or excessive drinking? The point, however, is that our rulers have no business telling us how to live. They are tiresome enough in their exercise of authority—they are intolerable when they mount the pulpit. Nor should we be in any doubt that nationalizing the moral life is the first step towards totalitarianism. We might perhaps be more tolerant of rulers turning preachers if they were moral giants. But what citizen looks at the government today thinking how wise and virtuous it is? Public respect for politicians has long been declining, even as the population at large has been seduced into demanding political solutions to social problems. To demand help from officials we rather despise argues for a notable lack of logic in the demos. The statesmen of eras past have been replaced by a set of barely competent social workers eager to take over the risks of our everyday life. The electorates of earlier times would have responded to politicians seeking to bribe us with such promises with derision. Today, the demos votes for them.

Yes, trust. Anything you do—borrowing money from a bank, commissioning a piece of work, sending or receiving a parcel, making a plan with friends, ordering food at a restaurant—all those things can only happen because of mutual trust on both sides.

What was critical to my father was that we not "go into government". His father and mother had both worked in the Treasury Department; and to him, "going into government" meant getting "hooked" on the salary and job security, and spending the rest of one's life in predictable, routinized labor that stunted the mind and sapped the spirit. My father would tell us of accountant friends who had passed their C.P.A. exam, then gone to work for the generous starting salaries offered by the I.R.S. While he was struggling in his mid-twenties, they were bragging about the cash they were taking home. Now, he said, he rarely saw them. Now, they had a defeated look; now, they were taking orders from some bureaucrat, and would be taking orders for the rest of their lives. He admired the disposition to roll the dice and risk everything that his Jewish friends and clients, Benny Ouresman, the Chevrolet dealer, and Harry Viner and his son Melvin, who had made a fortune with Sunshine Laundry, had exhibited. "They didn't have a damn dime when they started," Pop would tell us, emphatically. "They went to friends, borrowed money, started a business, went broke, went back to their friends, borrowed again, went broke again. Finally, they made it. They built something of their own. Now they work for themselves, and everybody else works for them. Be your own man!" That was the attitude we should adopt.

Having renounced his native land, Sanger adopted no other. He roved about from one European capital to another, never settling anywhere for long, driven forwards by his strange, restless fancy. Usually he quartered himself upon his friends, who were accustomed to endure a great deal from him. He would stay with them for weeks, composing third acts in their spare bedrooms, producing operas which always failed financially, falling in love with their wives, conducting their symphonies, and borrowing money from hem. His preposterous family generally accompanied him. Few people could recollect quite how many children Sanger was supposed to have got, but there always seemed to be a good many and they were most shockingly brought up.

When I reached my own study, I sat down by a blazing fire...I soon fell into a dreamy state (which a few mistake for thinking, because it is the nearest approach they ever make to it) and in this reverie I kept staring about my bookshelves. I am vey fond of books. Do not mistake me. I do not mean that I love reading. I hope I do. That is no fault--a virtue rather than a fault. But, as the old meaning of the word "fond" was foolish, I use that word: I am foolishly fond of the bodies of books as distinguished from their souls. I do not say that I love their books as distinguished from their souls--I should not keep a book for which I felt no respect or had no use. But I delight in seeing books about me, books even of which there seems to be no prospect that I shall have to read a single chapter. I confess that if they are nicely bound, so as to glow and shine in a firelight, I like them ever so much the better. I suspect that by the time books (which ought to be loved for the truth that is in them) come to be loved as articles of furniture, the mind has gone through a process which the miser's mind goes through--that of passing from the respect of money because of what it can do, to the love of money because it is money. I have not yet reached the furniture stage, and I do not think I every shall. I would rather burn them all. Meantime, I think one safeguard is to encourage one's friends to borrow one's books.... That will probably take some of the shine off them, and put a few thumb-marks in them, which are very wholesome. - from "Annals of a Quiet Neighbourhood, Ch. 11

Any relationship will have its difficulties, but sometimes those problems are indicators of deep-rooted problems that, if not addressed quickly, will poison your marriage. If any of the following red flags—caution signs—exist in your relationship, we recommend that you talk about the situation as soon as possible with a pastor, counselor or mentor. Part of this list was adapted by permission from Bob Phillips, author of How Can I Be Sure: A Pre-Marriage Inventory.1 You have a general uneasy feeling that something is wrong in your relationship. You find yourself arguing often with your fiancé(e). Your fiancé(e) seems irrationally angry and jealous whenever you interact with someone of the opposite sex. You avoid discussing certain subjects because you’re afraid of your fiancé(e)’s reaction. Your fiancé(e) finds it extremely difficult to express emotions, or is prone to extreme emotions (such as out-of-control anger or exaggerated fear). Or he/she swings back and forth between emotional extremes (such as being very happy one minute, then suddenly exhibiting extreme sadness the next). Your fiancé(e) displays controlling behavior. This means more than a desire to be in charge—it means your fiancé(e) seems to want to control every aspect of your life: your appearance, your lifestyle, your interactions with friends or family, and so on. Your fiancé(e) seems to manipulate you into doing what he or she wants. You are continuing the relationship because of fear—of hurting your fiancé(e), or of what he or she might do if you ended the relationship. Your fiancé(e) does not treat you with respect. He or she constantly criticizes you or talks sarcastically to you, even in public. Your fiancé(e) is unable to hold down a job, doesn’t take personal responsibility for losing a job, or frequently borrows money from you or from friends. Your fiancé(e) often talks about aches and pains, and you suspect some of these are imagined. He or she goes from doctor to doctor until finding someone who will agree that there is some type of illness. Your fiancé(e) is unable to resolve conflict. He or she cannot deal with constructive criticism, or never admits a mistake, or never asks for forgiveness. Your fiancé(e) is overly dependant on parents for finances, decision-making or emotional security. Your fiancé(e) is consistently dishonest and tries to keep you from learning about certain aspects of his or her life. Your fiancé(e) does not appear to recognize right from wrong, and rationalizes questionable behavior. Your fiancé(e) consistently avoids responsibility. Your fiancé(e) exhibits patterns of physical, emotional or sexual abuse toward you or others. Your fiancé(e) displays signs of drug or alcohol abuse: unexplained absences of missed dates, frequent car accidents, the smell of alcohol or strong odor of mouthwash, erratic behavior or emotional swings, physical signs such as red eyes, unkempt look, unexplained nervousness, and so on. Your fiancé(e) has displayed a sudden, dramatic change in lifestyle after you began dating. (He or she may be changing just to win you and will revert back to old habits after marriage.) Your fiancé(e) has trouble controlling anger. He or she uses anger as a weapon or as a means of winning arguments. You have a difficult time trusting your fiancé(e)—to fulfill responsibilities, to be truthful, to help in times of need, to make ethical decisions, and so on. Your fiancé(e) has a history of multiple serious relationships that have failed—a pattern of knowing how to begin a relationship but not knowing how to keep one growing. Look over this list. Do any of these red flags apply to your relationship? If so, we recommend you talk about the situation as soon as possible with a pastor, counselor or mentor.

Still, when Harvard said I wasn’t eligible for financial aid, and another university offered me a full scholarship, I thought I should go there. My mother became furious and said I was always sabotaging myself. She was proud of being able to borrow money at a loss from her own retirement fund, and give it to Harvard. I felt proud of her, too. But I did not feel proud of myself. It made the college application process feel, in retrospect, somehow hurtful and insulting: all the essays and interviews and supplements and letters seemed to be about you, about your specialness—but actually it was all about shaking your parents down for money. — Harvard seemed really proud of its own attitude toward financial aid. You were always hearing about how “merit-based aid,” which was fine for other schools, didn’t work here, where everyone was so full of merit. When your parents paid full tuition, part of what they were paying for was the benefit you derived from being exposed to people who were more diverse than you. “My parents are paying for him to be here, so I can learn from him,” my friend Leora said once, about a homeschooled guy from Arkansas in her history section who started talking about how the Jews killed Jesus. Leora had been my best friend when we were little, and then we went to different middle schools and high schools, but now we were at college together. She already thought every single person on earth was anti-Semitic, so she definitely hadn’t learned anything from that guy. To me, the part of financial aid that made the least sense was that all the international students got full scholarships, regardless of how much money their parents had. The son of the prince of Nepal was in our class, and didn’t pay tuition. Ivan had once caused me pain by saying something deprecating about “people whose parents paid a hundred thousand dollars for them to be here.” Did he not know that my parents were paying a hundred thousand dollars for me to be there? The thought that really made me crazy was that my parents had paid for Ivan to be there. It was another experience they had paid for me to have.

Learning to meditate helped too. When the Beatles visited India in 1968 to study Transcendental Meditation at the ashram of Maharishi Mahesh Yogi, I was curious to learn it, so I did. I loved it. Meditation has benefited me hugely throughout my life because it produces a calm open-mindedness that allows me to think more clearly and creatively. I majored in finance in college because of my love for the markets and because that major had no foreign language requirement—so it allowed me to learn what I was interested in, both inside and outside class. I learned a lot about commodity futures from a very interesting classmate, a Vietnam veteran quite a bit older than me. Commodities were attractive because they could be traded with very low margin requirements, meaning I could leverage the limited amount of money I had to invest. If I could make winning decisions, which I planned to do, I could borrow more to make more. Stock, bond, and currency futures didn’t exist back then. Commodity futures were strictly real commodities like corn, soybeans, cattle, and hogs. So those were the markets I started to trade and learn about. My college years coincided with the era of free love, mind-expanding drug experimentation, and rejection of traditional authority. Living through it had a lasting effect on me and many other members of my generation. For example, it deeply impacted Steve Jobs, whom I came to empathize with and admire. Like me, he took up meditation and wasn’t interested in being taught as much as he loved visualizing and building out amazing new things. The times we lived in taught us both to question established ways of doing things—an attitude he demonstrated superbly in Apple’s iconic “1984” and “Here’s to the Crazy Ones,” which were ad campaigns that spoke to me. For the country as a whole, those were difficult years. As the draft expanded and the numbers of young men coming home in body bags soared, the Vietnam War split the country. There was a lottery based on birthdates to determine the order of those who would be drafted. I remember listening to the lottery on the radio while playing pool with my friends. It was estimated that the first 160 or so birthdays called would be drafted, though they read off all 366 dates. My birthday was forty-eighth.

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.

What’ll it be?” Steve asked me, just days after our wedding. “Do we go on the honeymoon we’ve got planned, or do you want to go catch crocs?” My head was still spinning from the ceremony, the celebration, and the fact that I could now use the two words “my husband” and have them mean something real. The four months between February 2, 1992--the day Steve asked me to marry him--and our wedding day on June 4 had been a blur. Steve’s mother threw us an engagement party for Queensland friends and family, and I encountered a very common theme: “We never thought Steve would get married.” Everyone said it--relatives, old friends, and schoolmates. I’d smile and nod, but my inner response was, Well, we’ve got that in common. And something else: Wait until I get home and tell everybody I am moving to Australia. I knew what I’d have to explain. Being with Steve, running the zoo, and helping the crocs was exactly the right thing to do. I knew with all my heart and soul that this was the path I was meant to travel. My American friends--the best, closest ones--understood this perfectly. I trusted Steve with my life and loved him desperately. One of the first challenges was how to bring as many Australian friends and family as possible over to the United States for the wedding. None of us had a lot of money. Eleven people wound up making the trip from Australia, and we held the ceremony in the big Methodist church my grandmother attended. It was more than a wedding, it was saying good-bye to everyone I’d ever known. I invited everybody, even people who may not have been intimate friends. I even invited my dentist. The whole network of wildlife rehabilitators came too--four hundred people in all. The ceremony began at eight p.m., with coffee and cake afterward. I wore the same dress that my older sister Bonnie had worn at her wedding twenty-seven years earlier, and my sister Tricia wore at her wedding six years after that. The wedding cake had white frosting, but it was decorated with real flowers instead of icing ones. Steve had picked out a simple ring for me, a quarter carat, exactly what I wanted. He didn’t have a wedding ring. We were just going to borrow one for the service, but we couldn’t find anybody with fingers that were big enough. It turned out that my dad’s wedding ring fitted him, and that’s the one we used. Steve’s mother, Lyn, gave me a silk horseshoe to put around my wrist, a symbol of good luck. On our wedding day, June 4, 1992, it had been eight months since Steve and I first met. As the minister started reading the vows, I could see that Steve was nervous. His tuxedo looked like it was strangling him. For a man who was used to working in the tropics, he sure looked hot. The church was air-conditioned, but sweat drops formed on the ends of his fingers. Poor Steve, I thought. He’d never been up in front of such a big crowd before. “The scariest situation I’ve ever been in,” Steve would say later of the ceremony. This from a man who wrangled crocodiles! When the minister invited the groom to kiss the bride, I could feel all Steve’s energy, passion, and love. I realized without a doubt we were doing the right thing.

female? Is your reader under 18? Over 40? Is your reader married? Does your reader have children? Grandchildren? Has your reader graduated high school? College? If your reader is done with school, what is her occupation? If your reader is still in school, which extracurricular activities does he take part in? Does your reader live in the city? In the country? In the suburbs? What ethnicity is your reader? What is your reader’s religion, if any? Does your reader go through a book per day? Or only a book per month? A few books per year? Does your reader have a great deal of money to spend on books? Or is your reader more strapped for cash? Does your reader prefer eBooks or paperbacks? How does your reader feel about audiobooks? Does your reader buy books, borrow from a friend, or check out books from the library? Does your reader enjoy discussing books with others, or would she rather not? Does your reader socialize mainly on the Internet or in-person?

Living a literary gentleman-poet’s lifestyle took so much of Strachey’s time in the early 1600s that he seems not to have had many hours to devote to the business of making money. And what with evenings at the theater and afternoons spent in Southwark watching cockfights and bearbaitings and hours spent drinking and swapping lies with his friends, Strachey found himself forced to borrow heavily from London’s moneylenders.

Borrowing money from a friend, Always Interrupts the friendship flow, Especially after missing the payment deadline, More than two weeks in a row

Borrowing from a friend seemed like the simplest option, but I valued my handful of friends too much to risk losing them over money. As my father used to say: “There are two sure ways to lose a friend, one is to borrow, the other to lend.

1. Opportunity. What is the best opportunity for a new entrepreneur to build a successful business? Why is now the time to do it? How does the new landscape of e-commerce and social media create an environment of opportunity? And how do you fit into it all? You will discover why now is the perfect time to create your pie, and why there are others who are ready and willing to buy a slice. 2. Mindset. There’s a reason not every wantrepreneur becomes a successful entrepreneur, and psychology is a big piece of the puzzle. I’ll take you through the development of the right mindset to take a business from zero to one million in a year. 3. Getting customers. A million-dollar business doesn’t start with a product; it starts with a person. Your first step in building your business must be identifying your customer, and then answering his or her need. This builds a real brand, not just a revenue stream. If you get this piece right, you will have droves of repeat buyers who will eagerly “overpay” for your products, thank you for it, and tell all of their friends about you. 4. Product. Choosing your first product will be the biggest hurdle you face. It will take research, patience, and determination. Most importantly, it will require listening to what your customer is saying. I’ll take you through the whole process, from ideation to prototyping and refinement, helping you clear this hurdle in no time flat. 5. Funding. Sure, you’ve got a great product, and you know to whom you’re selling—but how do you fund your inventory? Here’s how to bootstrap, borrow, and build your way to a self-sustaining revenue machine, without stressing about money. 6. Stacking the deck. How do you nearly guarantee that your first product is successful, right out of the gate? Once you’ve decided what business you’re in, we will work to ensure that you don’t get stuck holding a product no one wants; this is where you stack the deck so your launch day is set up to blast off. 7. Launch. Your first product is ready to launch. What do you do now? Do you just let it ride? No. Here’s where building relationships and a few strategic marketing tips will take your business from a single product to a world-class brand, as we cover what you need to do to reach the key growth point of twenty-five sales per day.

George Washington was rich in land but not in money. When he became president of the United States, he had to borrow money from a friend to make the trip to New York City for

Not selfishness, but precisely the absence of a self. Look at them. The man who cheats and lies, but preserves a respectable front. He knows himself to be dishonest, but others think he’s honest and he derives his self-respect from that, second-hand. The man who takes credit for an achievement which is not his own. He knows himself to be mediocre, but he’s great in the eyes of others. The frustrated wretch who professes love for the inferior and clings to those less endowed, in order to establish his own superiority by comparison. The man whose sole aim is to make money. Now I don’t see anything evil in a desire to make money. But money is only a means to some end. If a man wants it for a personal purpose—to invest in his industry, to create, to study, to travel, to enjoy luxury—he’s completely moral. But the men who place money first go much beyond that. Personal luxury is a limited endeavor. What they want is ostentation: to show, to stun, to entertain, to impress others. They’re second-handers. Look at our so-called cultural endeavors. A lecturer who spouts some borrowed rehash of nothing at all that means nothing at all to him—and the people who listen and don’t give a damn, but sit there in order to tell their friends that they have attended a lecture by a famous name. All second-handers.

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.

Let’s first look at the source of funds for private equity. If the source of funds for friends and families come largely from their savings, and for banks largely from depositors and the interbank borrowing, the source of fund for private equity comes from investors which can be individuals or institutions. But they have to be qualified as “sophisticated or accredited investors”. By that, it means they have a significant amount of money and possess sophisticated investment knowledge to understand the risk involved in investing in private equity funds. For example, in Singapore, one of the key qualifying criteria to be deemed as “sophisticated or accredited investor” is that you must have personal networth of S$2 million.

The academic auspices under which we meet this afternoon, prompt me to introduce my remarks with a literary reference. I recall for you a few lines of Shakespeare, from Hamlet where Polonius bids farewell to his son Laertes: "Neither a borrower nor a lender be, For loan oft loses both itself and friend And borrowing dulls the edge of husbandry." This was undoubtedly necessary advice from a father to a son about to leave for France. but it is clear that Polonius was neither a banker nor a Californian. If he had been a banker, he might have commented on the merits of good collateral as compared to the possible loss of a few friends. And if he had been a Californian, caught in the vigor of a growth economy, the idea of not being a borrower would never have occurred to him. Therefore, it should not be surprising that a California banker has come to say something on behalf of debt.

„Dear Fernandamama, I need to borrow some quick cash from you, about 900 Euros to be honest. This f...g Adam guy’s fines arrived on my name. He is paying your children and drugging them, this f...g godless Israeli criminal, with his f...g junkie friends and family, influencing your children is not good for our health, Fernandamama. You know. The coffeeshop. On my name. This f...g Adam guy is the reason why Martina is gone and the f...g coffeeshop, huh? I should have killed him when I had the chances, what do you say, Fernanda? Your silence tells me odes, Fernandamama since weeks if not months. Meaning, you know better if I should have taken care of Adam on time and closed the club last summer when you came to visit „us.” I need to pay for these Zaragoza fines Adam collected for my name Fernanda. I need my money to give it away to the landlord so that Martina has a home. You know, without my coffeeshop on my name. I hope you understand. I pay you back just like the 6-800 you landed us earlier. If Martina allows me to contact you, if I wasn’t a ghost in Barcelona made believe. You know. Thanks. Cheers, Tomas

Poem in a Straight Line:" I never knew a soul who ever took a licking. My friends have all been champions at everything. And I, so often vulgar, so often obscene, so often vile, I, so deliberately parasitical, Unforgivably filthy, I, so often without patience to take a bath, I, who’ve been so ridiculous, so absurd, Tripping up in public on the carpet of etiquette, I, so grotesque and mean, submissive and insolent, Who’ve been insulted and not said a word, And when putting a word in growing still more ridiculous, I who strike chambermaids as laughable, I who feel porters wink sarcastically, I who’ve been scandalous about money, borrowing and not paying it back, I, who when the time came to fight, ducked As far as I could out of punching range, I who go into a sweat over the slightest thing — I’m convinced no one’s better than I at this sort of game. No one I know, none of my speaking acquaintances, Ever acted ridiculous, ever took insults, Was ever anything but noble – yes, all of them princes, living their lives… How I’d love to hear a human voice, from any one of them. Confessing not to sins but to infamies, Speaking not of violent but of cowardly acts! But no, each one’s a Paragon, to hear them tell it. Is there no one in this world who’d confess to me he’s been vile just once? All you princes, my brothers, Enough – I’m fed up with demigods! Where are the real people in this world? Am I the only scoundrel and bungler alive? Maybe women don’t always fall for them. Maybe they’ve been betrayed. But ridiculous? Never! And I, who’ve been ridiculous but never betrayed, How do I speak to their Highnesses without stammering? I, who’ve been vile, literally vile, Vile in the meanest and rottenest possible sense of the word

In fact, 80% of millionaires have never even borrowed money from a friend" Chris Hogan

How Do You See Rich People? One day, I was eating in a swanky restaurant with a friend—a friend who, ever since I could remember, was permanently in financial lack. Financial problems stuck to him like glue. And his friends avoided him like the plague because he kept borrowing money and never pay them back. While munching, he looked around the nicely decorated room and said, "The owner of this restaurant is probably cheating. He's probably not paying his taxes. He's also probably not paying the right salaries to his waiters. And he's also probably..." I cut him mid-sentence and asked, "How do you know?" I figured he probably had inside information. But he said, "Isn't it obvious? He's so rich. He must be cheating." That day, I realized why my friend was poor and always buried in debt. Although on the outside he wants to get out of poverty, on the inside he wants to remain poor. Subconsciously, he was resisting wealth. His subconscious found a way to avoid becoming rich. Because according to his belief system, all rich people are bad people—and he didn't want to be bad. Do you want to gain a prosperity mindset? Stop judging all rich people as crooks. Some rich people are very good people. When you see a friend becoming rich, share in her joy. Be happy for her. When you do that, you're telling yourself that it's also OK for you to become rich.

In a letter written to the play's director, Peter Wood, on 30th March 1958, just before the start of rehearsals, Pinter rightly refused to add extra lines explaining or justifying Stanley's motives in withdrawing from the world into a dingy seaside boarding-house: 'Stanley cannot perceive his only valid justification - which is he is what he is - therefore he certainly can never be articulate about it.' But Pinter came much closer than he usually does to offering an explanation of the finished work: We've agreed: the hierarchy, the Establishment, the arbiters, the socio- religious monsters arrive to affect censure and alteration upon a member of the club who has discarded responsibility (that word again) towards himself and others. (What is your opinion, by the way, of the act of suicide?) He does possess, however, for my money, a certain fibre - he fights for his life. It doesn't last long, this fight. His core being a quagmire of delusion, his mind a tenuous fuse box, he collapses under the weight of their accusation - an accusation compounded of the shit- stained strictures of centuries of 'tradition'. This gets us right to the heart of the matter. It is not simply a play about a pathetic victim brainwashed into social conformity. It is a play about the need to resist, with the utmost vigour, dead ideas and the inherited weight of the past. And if you examine the text, you notice how Pinter has toughened up the original image of the man in the Eastbourne digs with 'nowhere to go'. Pinter's Stanley Webber - a palpably Jewish name, incidentally - is a man who shores up his precarious sense of self through fantasy, bluff, violence and his own manipulative form of power-play. His treatment of Meg initially is rough, playful, teasing: he's an ersatz, scarpegrace Oedipus to her boardinghouse Jocasta. But once she makes the fateful, mood-changing revelation - 'I've got to get things in for the two gentlemen' - he's as dangerous as a cornered animal. He affects a wanton grandeur with his talk of a European concert tour. He projects his own fear on to Meg by terrorising her with stories of nameless men coming to abduct her in a van. In his first solo encounter with McCann, he tries to win him over by appealing to a shared past (Maidenhead, Fuller's tea shop, Boots library) and a borrowed patriotism ('I know Ireland very well. I've many friends there. I love that country and I admire and trust its people... I think their policemen are wonderful'). At the start of the interrogation he resists Goldberg's injunction to sit down and at the end of it he knees him in the stomach. And in the panic of the party, he attempts to strangle Meg and rape Lulu. These are hardly the actions of a supine victim. Even though Stanley is finally carried off shaven, besuited, white-collared and ostensibly tamed, the spirit of resistance is never finally quelled. When asked how he regards the prospect of being able to 'make or break' in the integrated outer world, he does not stay limply silent, but produces the most terrifying noises.

I have old friends at Buckkeep. I can borrow the money for your apprenticeship fee.” My heart lurched at the thought of what the form of the interest on such a loan might take, but I steeled myself. I would go to Chade first, and if what he asked of me in return was too dear, I would seek out the Fool. It would not be easy to humbly ask to borrow money, but—” “You’d do that? For me? But I’m not even really your son.” Hap looked incredulous. I gripped his hand. “I would do that. Because you’re as close to a son as I’m ever likely to get.” “I’ll help you pay the debt, I swear.” “No you won’t. It will be my debt, taken on freely. I’ll expect you to pay close attention to your master and devote yourself to learning your trade well.” “I will, Tom. I will. And I swear, in your old age, you shall lack for nothing.” He spoke with the words with the devout ardency of guileless youth. I took them as he intended them, and ignored the glowing amusement in Nighteyes’ gaze. See how edifying it is when someone sees you as tottering toward death? I never said you were at your grave’s edge. No. You treat me as if u were brittle as old chicken bones. Aren’t you? No. My strength returns. Wait for the falling of the leaves and cooler weather. I’ll be able to walk until you drop. Just as I always have. But what if I have to journey before then? The wolf lowered his head to his outstretched forepaws with a sigh. And what if you jump for a buck’s throat and miss? There’s no point to worrying about it until it happens. “Are you thinking what I am?” Hap anxiously broke the seemingly silence of the room. I met his worried gaze. “Perhaps. What were you thinking?” He spoke hesitantly. “That the sooner you speak to your friends at Buckkeep, the sooner we will know what to expect for the winter.” I replied slowly. “Another winter here would not suit you, would it?” “No.” His natural honesty made him reply quickly. Then he softened it with, “It isn’t that I don’t like it here with you and Nighteyes. It’s just that…” He floundered for a moment. “Have you ever felt as if you could actually feel time flowing away from you? As if life were passing you by and you were caught in a backwater with the dead fish and old sticks?” You can be the dead fish. I’ll be the old stick.