Budgeting Money Quotes

Every gun that is made, every warship launched, every rocket fired signifies in the final sense, a theft from those who hunger and are not fed, those who are cold and are not clothed. This world in arms is not spending money alone. It is spending the sweat of its laborers, the genius of its scientists, the hopes of its children. This is not a way of life at all in any true sense. Under the clouds of war, it is humanity hanging on a cross of iron.

It’s clearly a budget. It’s got lots of numbers in it.

A budget is telling your money where to go instead of wondering where it went.

While it is true that many people simply can't afford to pay more for food, either in money or time or both, many more of us can. After all, just in the last decade or two we've somehow found the time in the day to spend several hours on the internet and the money in the budget not only to pay for broadband service, but to cover a second phone bill and a new monthly bill for television, formerly free. For the majority of Americans, spending more for better food is less a matter of ability than priority. p.187

A budget is people telling their money where to go instead of wondering where it went.

من عادة النواب أن يثرثروا عند النظر في الميزانية، ومن عادة الحكومة أن تعد بالنظر في تحقيق رغبات النواب في أقرب فرصة، ومن عادة هذه الفرصة ألا تقترب أبدا.

The annual budget is a much better reflection of a country's morality than its constitution. You put more money into repression, police, military... and so little to taking care of human troubles

Because it is a monopoly, government brings inefficiency and stagnation to most things it runs; government agencies pursue the inflation of their budgets rather than the service of their customers; pressure groups form an unholy alliance with agencies to extract more money from taxpayers for their members. Yet despite all this, most clever people still call for government to run more things and assume that if it did so, it would somehow be more perfect, more selfless, next time.

A penny saved is worth two pennies earned . . . after taxes.

Budgeting has only one rule: Do not go over budget.

We didn't actually overspend our budget. The allocation simply fell short of our expenditure.

Many people object to “wasting money in space” yet have no idea how much is actually spent on space exploration. The CSA’s budget, for instance, is less than the amount Canadians spend on Halloween candy every year, and most of it goes toward things like developing telecommunications satellites and radar systems to provide data for weather and air quality forecasts, environmental monitoring and climate change studies. Similarly, NASA’s budget is not spent in space but right here on Earth, where it’s invested in American businesses and universities, and where it also pays dividends, creating new jobs, new technologies and even whole new industries.

It empowers people,” one of the social workers said about the personalized budget. “It gives choices. I think it can make a difference.” After decades of fruitless pushing, pulling, pampering, penalizing, prosecuting, and protecting, nine notorious vagrants had finally been brought in from the streets. The cost? Some £50,000 a year, including the social workers’ wages. In other words, not only did the project help thirteen people, it also cut costs considerably.5 Even the Economist had to conclude that the “most efficient way to spend money on the homeless might be to give it to them.

John Maxwell says a budget (for your money) is telling your money where to go instead of wondering where it went. Managing time is the same; you will either tell your day what to do or you will wonder where it went.

There are as many violent women as men, but there's a lot of money in hating men, particularly in the United States -- millions of dollars. It isn't a politically good idea to threaten the huge budgets for women's refuges by saying that some of the women who go into them aren't total victims.

You can have everything you want. All you need is a plan. And how do we spell plan? B-U-D-G-E-T!

The most important aspect of keeping your money is being aware of how much of it you are spending.

Everybody supports the troops," Dime woofs, "support the troops, support the troops, hell yeah we're so fucking PROUD of our troops, but when it comes to actual money? Like somebody might have to come out of pocket for the troops? Then all the sudden we're on everybody's tight-ass budget. Talk is cheap, I got that, but gimme a break. Talk is cheap but money screams, this is our country, guys. And I fear for it. I think we should all fear for it.

To clarify: defunding the police doesn’t mean abolishing the police, though there are more radical calls for that, too. It instead means redirecting money from police budgets to other government agencies funded by the city. Defunding the police could mean more money for underfunded schools, for mental health programs, or for drug recovery programs, all of which can help to reduce crime.

Some Americans appear to believe that there would be no arts in America were it not for the National Endowment for the Arts (NEA), an institution created in 1965. They cannot imagine things being done any other way, even though they were done another way throughout our country's existence, and throughout most of mankind's history. While the government requested $121 million for the NEA in 2006, private donations to the arts totaled $2.5 billion that year, dwarfing the NEA budget. The NEA represents a tiny fraction of all arts funding, a fact few Americans realize. Freedom works after all. And that money is almost certainly better spent than government money: NEA funds go not necessarily to the best artists, but to people who happen to be good at filling out government grant applications. I have my doubts that the same people populate both categories.

The simplest definition of a budget is "telling your money where to go.

A Debt Problem Is, At Its Core, a Budgeting Problem.

I am a Christian - but sometimes I feel very removed from Christianity. The Jesus Christ that I believe in was the man who turned over the tables in the temple and threw the money-changers out - substitute T.V. evangelists if you like…why in the West, do we spend so much money on extending the arms race instead of wiping out malaria, which could be eradicated given ten minutes worth of the world's arm budget? To me, we are living in the most un-Christian times. When I see these racketeers, the snake-oil salesmen on these right-winged television stations, asking for not your $20.00, or your $50.00, but your $100.00 in the name of Jesus Christ, I just want to throw up!!

One glance at any government budget anywhere in the world tells the story—the money is always in place, already allocated, the motive everywhere is fear, the more immediate the fear, the higher the multiples.

Let’s call it the scarcity diversion. Here’s the playbook. First, allow elites to hoard a resource like money or land. Second, pretend that arrangement is natural, unavoidable—or better yet, ignore it altogether. Third, attempt to address social problems caused by the resource hoarding only with the scarce resources left over. So instead of making the rich pay all their taxes, for instance, design a welfare state around the paltry budget you are left with when they don’t. Fourth, fail. Fail to drive down the poverty rate. Fail to build more affordable housing. Fifth, claim this is the best we can do. Preface your comments by saying, “In a world of scarce resources…” Blame government programs. Blame capitalism. Blame the other political party. Blame immigrants. Blame anyone you can except those who most deserve it. “Gaslighting” is not too strong a phrase to describe such pretense.

I knew that if I wanted to gain anything of value I must remember that it was not mine alone to keep

See money – currency - as the flow of energy and giving that cycles between you, others and me. Now let it flow kindly, fairly and mindfully.

A budget tells us what we can't afford, but it doesn't keep us from buying it.

Make your financial well being a priority and stop spending on nonessential items. According to Webster’s Dictionary, essential means: absolutely necessary; indispensable; vital. What definition are you using? Is your definition keeping you in financial bondage?

If life is a movie most people would consider themselves the star of their own feature. Guys might imagine they're living some action adventure epic. Chicks maybe are in a rose-colored fantasy romance. And homosexuals are living la vida loca in a fabulous musical. Still others may take the indie approach and think of themselves as an anti-hero in a coming of age flick. Or a retro badass in an exploitation B movie. Or the cable man in a very steamy adult picture. Some people's lives are experimental student art films that don't make any sense. Some are screwball comedies. Others resemble a documentary, all serious and educational. A few lives achieve blockbuster status and are hailed as a tribute to the human spirit. Some gain a small following and enjoy cult status. And some never got off the ground due to insufficient funding. I don't know what my life is but I do know that I'm constantly squabbling with the director over creative control, throwing prima donna tantrums and pouting in my personal trailor when things don't go my way. Much of our lives is spent on marketing. Make-up, exercise, dieting, clothes, hair, money, charm, attitude, the strut, the pose, the Blue Steel look. We're like walking billboards advertising ourselves. A sneak peek of upcoming attractions. Meanwhile our actual production is in disarray--we're over budget, doing poorly at private test screenings and focus groups, creatively stagnant, morale low. So we're endlessly tinkering, touching up, editing, rewriting, tailoring ourselves to best suit a mass audience. There's like this studio executive in our heads telling us to cut certain things out, make it "lighter," give it a happy ending, and put some explosions in there too. Kids love explosions. And the uncompromising artist within protests: "But that's not life!" Thus the inner conflict of our movie life: To be a palatable crowd-pleaser catering to the mainstream... or something true to life no matter what they say?

The first way to save and invest your money is to make a budget, and it should be done when you have absolutely nothing.Once you have received the salary into your account, keep record of every expenditure, and don't buy what is not in the budget.Compare the budgeted and actual in the next month then improve

You have savings?" she was astonished. As a woman who lived on the very extreme edges of her budget, whose credit card bills were a source of monthly concern, the idea of savings was just so alien. But then this was Ed, a different kind of person altogether. "Why do I know nothing about your savings?" she'd asked. "I wonder!" he'd answered with a smile. "Maybe because I don't want my savings to be translated into "really great investments" like Miu Miu shoes or Hermès handbags.

I wanted to get to a place where I only bought things I needed when I needed them. I wanted to finally see where my money was going and budget in a way that aligned with my goals and my values. And I really wanted to start spending less and saving more. But it would never happen if I continued to make mindless spending decisions.

A Holistic Wealth perspective emphasizes creating budgets with purpose. Identify priorities, allocate resources and leave room for personal enjoyment. This approach fosters a healthy financial mindset, reducing the liklihood of regretting spending decisions.

Newspaper columnist Dave Barry once wrote that the motto of the wedding industry is, 'Money can't buy you happiness, so you might as well give your money to us.

Please, do not let fear or laziness be the reason you continue to struggle financially, I cannot stress this enough.

There are only two mistakes one can make along the road to truth; not going all the way, and not starting. - Buddha

Because it’s not how much money you make that matters, it’s how much money you keep.

Never be shy to invest in yourself and in your own personal development, as this is your most valuable asset.

And remember, you can always want something you need but you don't need everything that you want.

A personal budget is a manifestation of your decision to grab your finances by the balls

We spend an inordinate amount of money of the federal budget on the machinery of war, and neglect our kids in the process, and it's not OK

Everything is in excess except money, thereof, it should be well managed.

The predominant view was that budgets should be balanced and money supplies tightened. This, as we know today, only made matters worse.

We have the money. We’ve just made choices about how to spend it. Over the years, lawmakers on both sides of the aisle have restricted housing aid to the poor but expanded it to the affluent in the form of tax benefits for homeowners. 57 Today, housing-related tax expenditures far outpace those for housing assistance. In 2008, the year Arleen was evicted from Thirteenth Street, federal expenditures for direct housing assistance totaled less than $40.2 billion, but homeowner tax benefits exceeded $171 billion. That number, $171 billion, was equivalent to the 2008 budgets for the Department of Education, the Department of Veterans Affairs, the Department of Homeland Security, the Department of Justice, and the Department of Agriculture combined. 58 Each year, we spend three times what a universal housing voucher program is estimated to cost (in total ) on homeowner benefits, like the mortgage-interest deduction and the capital-gains exclusion. Most federal housing subsidies benefit families with six-figure incomes. 59 If we are going to spend the bulk of our public dollars on the affluent—at least when it comes to housing—we should own up to that decision and stop repeating the politicians’ canard about one of the richest countries on the planet being unable to afford doing more. If poverty persists in America, it is not for lack of resources.

Teach yourself to live and work by a budget. Every family should operate on a budget. This is an estimated and documented list of expected income and expenses for a given period in the future.

As we understand it, everything is in the Bible for one reason – to teach us a lesson. Thus, in the beginning of the Bible, we see how God budgets His time for labor, and He saves the seventh day for rest, or retirement. The concept of budgeting was created by God to give us a life of prosperity in the world He created for us, so we should learn to budget as a way to emulate God in our financial life.

Financial discipline demands that you have a budget. Control your money. Do not let money control you. Discipline yourself to make sure that the flow of your money is gong in the right direction at all times.

New Rule: Just because a country elects a smart president doesn't make it a smart country. A couple of weeks ago, I was asked on CNN if I thought Sarah Palin could get elected president, and I said I hope not, but I wouldn't put anything past this stupid country. Well, the station was flooded with emails, and the twits hit the fan. And you could tell that these people were really mad, because they wrote entirely in CAPITAL LETTERS!!! Worst of all, Bill O'Reilly refuted my contention that this is a stupid country by calling me a pinhead, which (a) proves my point, and (b) is really funny coming from a doody-face like him. Now, before I go about demonstration how, sadly, easy it is to prove the dumbness that's dragging us down, let me just say that ignorance has life-and-death consequences. On the eve of the Iraq War, seventy percent of Americans thought Saddam Hussein was personally involved in 9/11. Six years later, thirty-four percent still do. Or look at the health-care debate: At a recent town hall meeting in South Carolina, a man stood up and told his congressman to "keep your government hands off my Medicare," which is kind of like driving cross-country to protest highways. This country is like a college chick after two Long Island iced teas: We can be talked into anything, like wars, and we can be talked out of anything, like health care. We should forget the town halls, and replace them with study halls. Listen to some of these stats: A majority of Americans cannot name a single branch of government, or explain what the Bill of Rights is. Twenty-four percent could not name the country America fought in the Revolutionary War. More than two-thirds of Americans don't know what's in Roe v. Wade. Two-thirds don't know what the Food and Drug Administration does. Some of this stuff you should be able to pick up simply by being alive. You know, like the way the Slumdog kid knew about cricket. Not here. Nearly half of Americans don't know that states have two senators, and more than half can't name their congressman. And among Republican governors, only three got their wife's name right on the first try. People bitch and moan about taxes and spending, but they have no idea what their government spends money on. The average voter thinks foreign aid consumes more twenty-four percent of our budget. It's actually less than one percent. A third of Republicans believe Obama is not a citizen ad a third of Democrats believe that George Bush had prior knowledge of the 9/11 attacks, which is an absurd sentence, because it contains the words "Bush" and "knowledge." Sarah Palin says she would never apologize for America. Even though a Gallup poll say eighteen percent of us think the sun revolves around the earth. No, they're not stupid. They're interplanetary mavericks. And I haven't even brought up religion. But here's one fun fact I'll leave you with: Did you know only about half of Americans are aware that Judaism is an older religion than Christianity? That's right, half of America looks at books called the Old Testament and the New Testament and cannot figure out which came first. I rest my case.

In the evening [the Iraqi interim governor of Maysan province] asked me for fifty dollars to repair his windows, which had been destroyed in a recent demonstration. Although he was the governor, his salary was only four hundred and fifty dollars a month, and Baghdad had still not agreed to give the governors an independent budget.... For the sake of a tiny sum of money - a couple thousand dollars a month from the hundred billion we had spent on the invasion - we were alienating our key partner and successor. p. 264

The state must answer these questions, too, but whatever it does, it does it without being subject to the profit-and-loss criterion. Hence, its action is arbitrary and necessarily involves countless wasteful misallocations from the consumer’s viewpoint. Independent to a large degree of consumer wants, the state-employed security producers instead do what they like. They hang around instead of doing anything, and if they do work they prefer doing what is easiest or work where they can wield power rather than serving consumers. Police officers drive around a lot, hassle petty traffic violators, spend huge amounts of money investigating victimless crimes that many people (i.e., nonparticipants) do not like but that few would be willing to spend their money on to fight, as they are not immediately affected by them. Yet with respect to what consumers want most urgently—the prevention of hardcore crime (i.e., crimes with victims), the apprehension and effective punishment of hard-core criminals, the recovery of loot, and the securement of compensation of victims of crimes from the aggressors—the police are notoriously inefficient, in spite of ever higher budget allocations.

Think of renovating a house like operating the federal government. You start with a budget and the revenue to finance it. Then the special interests keep adding items to the list; you have to end the war between the interior decorator and the electrician, so you pump in more money to buy peace; and by the time you’re done, you’re $16 trillion in debt and having to borrow money from the Chinese.

My grandpa used to tell my dad, “Son, it’s not the money you make, it’s the money you hold on to.” Make yourself a budget. Live within your means. Pack your lunch. Pinch pennies. Save as much as you can. Get the education you need for as cheap as you can get it. The art of holding on to money is all about saying no to consumer culture. Saying no to takeout, $ 4 lattes, and that shiny new computer when the old one still works fine.

That’s all very well, but how many family doctors would you need? It simply doesn’t fit into the system of a free universal national health service.” “It’ll fit into a universal national health service, but it won’t fit into a free health service,” said Oreshchenkov, rumbling on and clinging confidently to his point. “But it’s our greatest achievement, the fact that it’s a free service.” “Is this in fact such a great achievement? What does ‘free’ mean? The doctors don’t work for nothing, you know. It only means that they’re paid out of the national budget and the budget is supported by patients. It isn’t free treatment, it’s depersonalized treatment. If a patient kept the money that pays for his treatments, he would have turned the ten roubles he has to spend at the doctor’s over and over in his hands. He could go to the doctor five times over if he really needed to.

One way to do that is to sell something. You could sell lots of little stuff at a garage sale, sell a seldom-used item on the Internet, or sell a precious item through the classifieds. Get gazelle-intense and sell so much stuff that the kids are afraid they are next. Sell things that make your broke friends question your sanity. If your budget is stopped-up and your Debt Snowball won’t roll on its own, you are going to have to get radical.

More than that, these adverts sell a dubious world view. They sell the idea that science is not about the delicate relationship between evidence and theory. They suggest, instead, with all the might of their international advertising budgets, their Microcellular Complexes, their Neutrillium XY, their Tenseur Peptidique Végétal and the rest, that science is about impenetrable nonsense involving equations, molecules, sciencey diagrams, sweeping didactic statements from authority figures in white coats, and that this sciencey-sounding stuff might just as well be made up, concocted, confabulated out of thin air, in order to make money. They sell the idea that science is incomprehensible, with all their might, and they sell this idea mainly to attractive young women, who are disappointingly under-represented in the sciences.

If you’re married, agree on the budget with your spouse. This one sentence requires a stand-alone book to describe how, but the bottom line is this: if you aren’t working together, it is almost impossible to win. Once the budget is agreed on and is in writing, pinky-swear and spit-shake that you will never do anything with money that is not on that paper. The paper is the boss of the money, and you are the boss of what goes on the paper, but you have to stick to the budget, or it’s just an elaborate theory.

We have become a society of indulgent consumers resulting in rapidly increasing debt both personally and as a nation.

Forget future money; use today’s money to write your future.

among married couples the person who actually makes out the mortgage check is likely to be more cautious about spending money than the person who doesn't. There is something sobering about sending away that much money every month in the knowledge that, rain or shine, you'll have to come up with the same amount of money the next month and the month after that.

It's the secrecy surrounding drone strikes that's most troubling. . . We don't know the targeting criteria, or whether the rules for CIA and military drone strikes differ; we don't know the details of the internal process through which targets are vetted; we don't know the chain of command, or the details of congressional oversight. The United States does not release the names of those killed, or the location or number of strikes, making it impossible to know whether those killed were legitimately viewed as combatants or not. We also don't know the cost of the secret war: How much money has been spent on drone strikes? What's the budget for the related targeting and intelligence infrastructures? How is the government assessing the costs and benefits of counterterrorism drone strikes? That's a lot of secrecy for a targeted killing program that has reportedly caused the deaths of several thousand people. (117-118)

Fiction harmless? Look at religion. Fiction harmless? Look at the oppressed masses content with their lot because they have embraced the lies imposed on them. History itself is just a fiction-a fiction with an army. And reality? Reality is a fiction with an unlimited budget. That's what it is. And how is reality funded? With yet another fiction: money. Money is at the core of it all. An illusion we've all agreed to support. Unanimously. We can differ on other matters, like creed or political affiliations, but we all agree on the fiction of money and that this abstraction represents concrete goods. Any goods. Look it up. It's all in Marx. Money, he says, is not one thing. It is, potentially, all things. And for this reason it is unrelated to all things.

Epstein came up with an elaborate plan, including TV ads, and presented it to the board. The board rejected it. “It really came down to this,” McCaffrey later said. “We have a limited budget. Do we want to put that money into the technology, into the infrastructure, into hiring really great people? Or do we want to blow it on a marketing campaign that we can’t measure?” Larry and Sergey told Epstein that his interim stint was over

The work I do is not exactly respectable. But I want to explain how it works without any of the negatives associated with my infamous clients. I’ll show how I manipulated the media for a good cause. A friend of mine recently used some of my advice on trading up the chain for the benefit of the charity he runs. This friend needed to raise money to cover the costs of a community art project, and chose to do it through Kickstarter, the crowdsourced fund-raising platform. With just a few days’ work, he turned an obscure cause into a popular Internet meme and raised nearly ten thousand dollars to expand the charity internationally. Following my instructions, he made a YouTube video for the Kickstarter page showing off his charity’s work. Not a video of the charity’s best work, or even its most important work, but the work that exaggerated certain elements aimed at helping the video spread. (In this case, two or three examples in exotic locations that actually had the least amount of community benefit.) Next, he wrote a short article for a small local blog in Brooklyn and embedded the video. This site was chosen because its stories were often used or picked up by the New York section of the Huffington Post. As expected, the Huffington Post did bite, and ultimately featured the story as local news in both New York City and Los Angeles. Following my advice, he sent an e-mail from a fake address with these links to a reporter at CBS in Los Angeles, who then did a television piece on it—using mostly clips from my friend’s heavily edited video. In anticipation of all of this he’d been active on a channel of the social news site Reddit (where users vote on stories and topics they like) during the weeks leading up to his campaign launch in order to build up some connections on the site. When the CBS News piece came out and the video was up, he was ready to post it all on Reddit. It made the front page almost immediately. This score on Reddit (now bolstered by other press as well) put the story on the radar of what I call the major “cool stuff” blogs—sites like BoingBoing, Laughing Squid, FFFFOUND!, and others—since they get post ideas from Reddit. From this final burst of coverage, money began pouring in, as did volunteers, recognition, and new ideas. With no advertising budget, no publicist, and no experience, his little video did nearly a half million views, and funded his project for the next two years. It went from nothing to something. This may have all been for charity, but it still raises a critical question: What exactly happened? How was it so easy for him to manipulate the media, even for a good cause? He turned one exaggerated amateur video into a news story that was written about independently by dozens of outlets in dozens of markets and did millions of media impressions. It even registered nationally. He had created and then manipulated this attention entirely by himself.

Lefever describes his financing plan with modesty: "'Our detailed budget is realistic, but does not take into account the inflation that may occur before September 1983. The one place it could cut or reduce is item 7, the simultaneous interpreter services, if these services could be provided gratis by the U.S. government.'" "In other words, the only way to make a saving on a U.S.-subsidized project is to take money out of another U.S.-subsidized column.

Everyone in the room knew about leveraged buyouts, often called LBOs. In an LBO, a small group of senior executives, usually working with a Wall Street partner, proposes to buy its company from public shareholders, using massive amounts of borrowed money. Critics of this procedure called it stealing the company from its owners and fretted that the growing mountain of corporate debt was hindering America’s ability to compete abroad. Everyone knew LBOs meant deep cuts in research and every other imaginable budget, all sacrificed to pay off debt. Proponents insisted that companies forced to meet steep debt payments grew lean and mean. On one thing they all agreed: The executives who launched LBOs got filthy rich.

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Art is dead. Art is dead. Art is dead. Art is dead. Entertainers like to seem complicated But we're not complicated I can explain it pretty easily Have you ever been to a birthday Party for children? And one of the children won't stop screaming 'Cause he's just a little Attention attractor When he grows up To be a comic or actor He'll be rewarded for never maturing For never under- Standing or learning That every day Can't be about him There's other people You selfish asshole I must be psychotic I must be demented To think that I'm worthy Of all this attention Of all of this money, you worked really hard for I slept in late while you worked at the drug store My drug's attention, I am an addict But I get paid to indulge in my habit It's all an illusion, I'm wearing make-up, I'm wearing make-up Make-up, make-up, make-up, make... Art is dead So people think you're funny, how do we get those people's money? I said art is dead We're rolling in dough, while Carlin rolls in his grave His grave, his grave The show has got a budget The show has got a budget And all the poor people way more deserving of the money Won't budge it 'Cause I wanted my name in lights When I could have fed a family of four For forty fucking fortnights Forty fucking fortnights I am an artist, please God forgive me I am an artist, please don't revere me I am an artist, please don't respect me I am an artist, you're free to correct me A self-centred artist Self-obsessed artist I am an artist I am an artist But I'm just a kid I'm just a kid I'm just a kid Kid And maybe I'll grow out of it.

Twist and wring out the budget, work extra hours, sell something, or have a garage sale, but quickly get your $1,000. Most of you should hit this step in less than a month. If it looks as though it is going to take longer, do something radical. Deliver pizzas, work part-time, or sell something else. Get crazy. You are way too close to the edge of falling over a major money cliff here. Remember, if the Joneses (all the broke people) think you are cool, you are heading the wrong way. If they think you are crazy, you are probably on track.

The key to true wealth is putting your money to work for you. Practically speaking, that means spending money on income-producing assets that will supply cash and continue to grow in value over time. The most common assets used to build wealth include: • Stocks • Bonds • Real estate

My friend John Maxwell says a budget (for your money) is telling your money where to go instead of wondering where it went. Managing time is the same; you will either tell your day what to do or you will wonder where it went. The weird thing is that the more efficient, on task, on goal you are with your time, the more energy you have. Working with no traction, or for that matter simply wasting away a day, does not relax you, it drains you. Have you ever taken a day off, slept late, wandered around with no plan or thought for the day, watched some stupid rerun of a bad movie as you surfed the TV, and at the end of your great day off found yourself absolutely exhausted? Strange as it may seem, when you work a daily plan in pursuit of your written goals that flow from your mission statement born of your vision for living your dreams, you are energized after a tough long day.

A budget?" He'd expected an explosion.Even, perversely,hoped for one.Margo's tantrums were always so..stimulating.It didn't appear that he was going to be disappointed. "A budget?" she repeated,storming to him. "Of all the unbelievable,bloody nerve.You arrogant son of a bitch. Do you think I'm going to stand here and let you treat me like some sort of brainless bimbo who needs to be told how much she can spend on face powder?" "Face powder." Deliberately, he scanned the papers,took a pen out of his pocket,and made a quick note. "That would come under 'Miscellaneous Luxuries.' I think I've been very generous there. Now,as to your clothing allowance-" "Allowance!" She used both hands to shove him back a step. "Just let me tell you what you can do with your fucking allowance." "Careful,duchess." He brushed the front of his shirt. "Turnbill and Asser." The strangled sound in her throat was the best she could do.If there had been anything at all to throw,she'd have heaved it at his head. "I'd rather be picked apart,alive, by vultures than let you handle the money." "You don't have any money," he began, but she barreled on as she whirled around the room. Watching her, he all but salivated. "I'd rather be gang-raped by midgets, staked naked to a wasp nest,be force-fed garden slugs." "Go three weeks without a manicure?" he put in and watched her hands curl into claws. "You go after my face with those, I'll have to hurt you." "Oh,I hate you." "No,you don't.

Zig Ziglar says, “If you aim at nothing, you’ll hit it every time.” I love how Zig cuts right to the heart of the matter. If you don’t have a target, if you don’t have a goal in mind, then you’ll never get where you want to go. Most people take a “Ready-Fire-Aim” approach to budgeting. They get the money, spend the money, and then wonder why they don’t have any money. It’s crazy!

Duroy, who felt light hearted that evening, said with a smile: "You are gloomy to-day, dear master." The poet replied: "I am always so, young man, so will you be in a few years. Life is a hill. As long as one is climbing up one looks towards the summit and is happy, but when one reaches the top one suddenly perceives the descent before one, and its bottom, which is death. One climbs up slowly, but one goes down quickly. At your age a man is happy. He hopes for many things, which, by the way, never come to pass. At mine, one no longer expects anything - but death." Duroy began to laugh: "You make me shudder all over." Norbert de Varenne went on: "No, you do not understand me now, but later on you will remember what I am saying to you at this moment. A day comes, and it comes early for many, when there is an end to mirth, for behind everything one looks at one sees death. You do not even understand the word. At your age it means nothing; at mine it is terrible. Yes, one understands it all at once, one does not know how or why, and then everything in life changes its aspect. For fifteen years I have felt death assail me as if I bore within me some gnawing beast. I have felt myself decaying little by little, month by month, hour by hour, like a house crumbling to ruin. Death has disfigured me so completely that I do not recognize myself. I have no longer anything about me of myself - of the fresh, strong man I was at thirty. I have seen death whiten my black hairs, and with what skillful and spiteful slowness. Death has taken my firm skin, my muscles, my teeth, my whole body of old, only leaving me a despairing soul, soon to be taken too. Every step brings me nearer to death, every movemebt, every breath hastens his odious work. To breathe, sleep, drink, eat, work, dream, everything we do is to die. To live, in short, is to die. Oh, you will realize this. If you stop and think for a moment you will understand. What do you expect? Love? A few more kisses and you will be impotent. Then money? For what? Women? Much fun that will be! In order to eat a lot and grow fat and lie awake at night suffering from gout? And after that? Glory? What use is that when it does not take the form of love? And after that? Death is always the end. I now see death so near that I often want to stretch my arms to push it back. It covers the earth and fills the universe. I see it everywhere. The insects crushed on the path, the falling leaves, the white hair in a friend's head, rend my heart and cry to me, 'Behold it!' It spoils for me all I do, all I see, all that I eat and drink, all that I love; the bright moonlight, the sunrise, the broad ocean, the noble rivers, and the soft summer evening air so sweet to breath." He walked on slowly, dreaming aloud, almost forgetting that he had a listener: "And no one ever returns - never. The model of a statue may be preserved, but my body, my face, my thoughts, my desires will never reappear again. And yet millions of beings will be born with a nose, eyes, forehead, cheeks, and mouth like me, and also a soul like me, without my ever returning, without even anything recognizable of me appearing in these countless different beings. What can we cling to? What can we believe in? All religions are stupid, with their puerile morality and their egotistical promises, monstrously absurd. Death alone is certain." "Think of that, young man. Think of it for days, and months and years, and life will seem different to you. Try to get away from all the things that shut you in. Make a superhuman effort to emerge alive from your own body, from your own interests, from your thoughts, from humanity in general, so that your eyes may be turned in the opposite direction. Then you understand how unimportant is the quarrel between Romanticism and Realism, or the Budget debates.

One way to do that is to sell something. You could sell lots of little stuff at a garage sale, sell a seldom-used item on the Internet, or sell a precious item through the classifieds. Get gazelle-intense and sell so much stuff that the kids are afraid they are next. Sell things that make your broke friends question your sanity. If your budget is stopped-up and your Debt Snowball won’t

For Freedman, prevention is more than just good medicine; it’s common sense. Billions of dollars are spent each year on developing drugs to treat the symptoms of mental illness after it already manifests. What if some of that money were spent on prevention, not just in the womb but in childhood? Think of all the young people who develop mental illness out of sight of anyone who can help them. What if some of those breakdowns—even suicides—could be prevented, by shoring up the mind’s vulnerability before things get worse? “The National Institute of Mental Health spends only $4.3 million on fetal prevention research, all of it for studies in mice, from its yearly $1.4 billion budget,” Freedman noted recently. “Yet half of young school shooters have symptoms of developing schizophrenia.

While we often recognize the need to learn how to face hunger and need, we aren't always aware that we need similar help to face wealth and abundance. It's not easy to face affluence every day without committing idolatry or succumbing to ingratitude. In fact, church history is filled with stories of sincere believers facing lowness, hunger, need, suffering, persecution, hardship, and death with Christ-honoring joy and faithfulness. But the stories of Christian fidelity in the midst of overwhelming abundance, provision, plenty, and wealth are fewer and farther between. This is why Jesus says that it is hard for the rich to enter the kingdom of heaven (Matt. 19:23). One of the chief challenges for Christians in the West is to learn to face our unprecedented abundance with the strength supplied by Christ and not by the wealth.

They had forced Obama to play their budget game. Instead of talking about jobs and spending, he was talking about the deficit and bargaining with them over how many trillions to cut. “We led. They reacted to us,” exulted Kevin McCarthy, the House Republican whip. The donors were excited, too. Just the fact that Obama had been thrown on the defensive convinced those whose fortunes had helped pay for the Ryan plan that their investment was worth it.

Thiel’s loathing for government spending did not apply when the government spent money on him. His next big startup, Palantir—a name borrowed from Tolkien—depended for survival upon the least transparent, least accountable, and most profligate extension of the federal government, the CIA. The agency invested in Thiel through its Silicon Valley VC front, In-Q-Tel. With Palantir, this self-described “civil libertarian” became an important player in the growth of a secretive, invasive, and patently unconstitutional global surveillance apparatus. Asked in a 2014 online chat if Palantir was “a front for the CIA,” Thiel replied, “No, the CIA is a front for Palantir.” With 70 percent of the U.S. intelligence budget going to the private sector, this dismissive wisecrack was not so much an outright denial as it was a sly wink at the extent of corporate dominance over even the most powerful federal agencies.

To track your money, write down or digitally capture every dollar you spend for one month. Include everything, from your $1,800 mortgage payment to the $4 coffee you grabbed on your way into work. Here, savings counts as an expense, so remember to include any money you put into a savings or retirement account (unless it was taken out of your paycheck—don’t include that). Record each expense regardless of whether you pay by cash, check, debit or credit card, automatic payment, or online transfer.

After you list the debts smallest to largest, pay the minimum payment to stay current on all the debts except the smallest. Every dollar you can find from anywhere in your budget goes toward the smallest debt until it is paid. Once the smallest is paid, the payment from that debt, plus any extra “found” money, is added to the next smallest debt. (Trust me, once you get going, you will find money.) Then, when debt number two is paid off, you take the money that you used to pay on number one and number two and you pay it, plus any found money, on number three. When three is paid, you attack four, and so on. Keep paying minimums on all the debts except the smallest until it is paid. Every time you pay one off, the amount you pay on the next one down increases. All the money from old debts and all the money you can find anywhere goes on the smallest until it is gone. Attack! Every time the Snowball rolls over, it picks up more snow and gets larger, and by the time you get to the bottom, you have an avalanche.

A friend of mine has a daughter who . . . . was constantly writing home for more money. . . . At one point . . . the daughter explained, "But dad, I can tell you where every penny you have sent me has been spent." He replied, "You don't seem to get the point. I'm interested in a budget--a plan for spending--not in a diary of where the money has gone." Perhaps parents should be more like the father of the college boy who wired home, "No mon, no fun, your son." His father wired back, "How sad, too bad, your dad.

The average household income in America is right around $50,000 per year, according to the Census Bureau. Joe and Suzy Average would invest $7,500 (15 percent) per year or $625 per month. If you make $50,000 per year and have no payments except the house mortgage and live on a budget, can you invest $625 per month? Follow me here. If Joe and Suzy invest $625 per month with no match into Roth IRAs from age thirty to age seventy, they will have $7,588,545 tax-FREE! That is almost $8 million. What if I’m half-wrong? What if you end up with only $4 million? What if I’m six times wrong? Sure beats the 97 out of 100 sixty-five-year-olds who can’t write a check for $600! I would submit to you that Joe and Suzy are well below average. Why? In our example they started at the average household income in America, and in forty years of work never got a raise. They saved 15 percent of income and never increased it by one dollar. There is no excuse to retire without financial dignity in the United States today. Most of you will have well over $2 million pass through your hands in your working lifetime, so do something about catching some of that money. Gayle asked me one day if it was too late for her to start saving. Gayle wasn’t twenty-seven like Joe and Suzy. She was fifty-seven years old, but with her attitude you would have thought this lady was 107. Harold Fisher had a much better outlook at age one hundred than Gayle did at age fifty-seven. Life had dealt her some blows and had knocked most of the hope out of her. A Total Money Makeover is not a magic show. You start where you are, and you do the steps. These steps work if you are twenty-seven or fifty-seven, and they don’t change. Gayle might be starting the retirement investing step at sixty that Joe and Suzy start at thirty years old. Gayle was unwise to enter her sixties without an emergency fund and with credit-card debt and a car payment. She, like all of us, couldn’t save when she has debt and no umbrella for when it rains. Would it have been better for Gayle to start when she was twenty-seven or even forty-seven? Obviously. But once she was done with the pity party, she still needed to start with Baby Step One and follow The Total Money Makeover step-by-step to put herself in the best position possible.

Billions of dollars, trying unsuccessfully to keep drugs out of the world’s most porous border? One-tenth of the anti-drug budget going into education and treatment, nine-tenths of those billions into interdiction? And not enough money from anywhere going into the root causes of the drug problem itself. And the billions spent keeping drug offenders locked up in prison, the cells now so crowded we have to give early release to murderers. Not to mention the fact that two-thirds of all the “non-drug” offenses in America are committed by people high on dope or alcohol. And our solutions are the same futile non-solutions—build more prisons, hire more police, spend more and more billions of dollars not curing the symptoms while we ignore the disease. Most people in my area who want to kick drugs can’t afford to get into a treatment program unless they have blue-chip health insurance, which most of them don’t. And there’s a six-month-to-two-year waiting list to get a bed in a subsidized treatment program. We’re spending almost $2 billion poisoning cocaine crops and kids over here, while there’s no money at home to help someone who wants to get off drugs. It’s insanity.

Being real takes tremendous courage. We like approval, and we like respect, and to say otherwise is another form of denial. To wish for the admiration of others is normal. The problem is that this admiration can become a drug. Many of you are addicted to this drug, and the destruction to your wealth and financial well-being caused by your addiction is huge. Radical change in the quest for approval, which has involved purchasing stuff with money we don’t have, is required for a money breakthrough. Sara’s breakthrough came with family. Her family was upper-middle-crust and had always given Christmas gifts to every member. With twenty nieces and nephews and six sets of adults to buy for, just on her side, the budget was ridiculous. Sara’s announcement at Thanksgiving that this year Christmas giving was going to be done with the drawing of names, because she and Bob couldn’t afford it, was earth-shattering. Some of you are grinning as if this is no big deal. It was a huge deal in Sara’s family! Gift giving was a tradition! Her mother and two of her sisters-in-law were furious. Very little thanks were given that Thanksgiving, but Sara stood her ground and said, “No more.” Sara

Economists are quick to speak of ‘market failure’, and rightly so, but a greater threat comes from ‘government failure‘. Because it is a monopoly, government brings inefficiency and stagnation to most things it runs; government agencies pursue the inflation of their budgets rather than the service of their customers; pressure groups form an unholy alliance with agencies to extract more money from taxpayers for their members. Yet despite all this, most clever people still call for government to run more things and assume that if it did so, it would somehow be more perfect, more selfless, next time.

Ron Sider rocked the Christian world over thirty years ago with his book Rich Christians in an Age of Hunger. He now challenges Christians to pragmatic ministry to the poor by joining in a covenant he calls the Generous Christian Pledge.' He encourages every Christian to undertake a lifestyle mission for the poor. The pledge reads: "I pledge to open my heart to God's call to care as much about the poor as the Bible does. Daily, to pray for the poor, beginning with the Generous Christians Prayer: "Lord Jesus, teach my heart to share your love with the poor." Weekly, to minister, at least one hour, to a poor person: helping, serving, sharing with and mostly, getting to know someone in need. Monthly, to study, at least one book, article, or film about the plight of the poor and hungry and discuss it with others. Yearly, to retreat, for a few hours before the Scriptures, to meditate on this one question: Is caring for the poor as important in my life as it is in the Bible? and to examine my budget and priorities in light of it, asking God what changes He would like me to make in the use of my time, money, and influence." The cage-rattling statements of Jesus and James demand a response. The Generous Christian Pledge is a great place to start.

In the elaborate con that is American electoral politics, the Republican voter has long been the easiest mark in the game, the biggest dope in the room. Everyone inside the Beltway knows this. The Republican voters themselves are the only ones who never saw it. Elections are about a lot of things, but at the highest level, they’re about money. The people who sponsor election campaigns, who pay the hundreds of millions of dollars to fund the candidates’ charter jets and TV ads and 25-piece marching bands, those people have concrete needs. They want tax breaks, federal contracts, regulatory relief, cheap financing, free security for shipping lanes, antitrust waivers and dozens of other things. They mostly don’t care about abortion or gay marriage or school vouchers or any of the social issues the rest of us spend our time arguing about. It’s about money for them, and as far as that goes, the CEO class has had a brilliantly winning electoral strategy for a generation. They donate heavily to both parties, essentially hiring two different sets of politicians to market their needs to the population. The Republicans give them everything that they want, while the Democrats only give them mostly everything. They get everything from the Republicans because you don’t have to make a single concession to a Republican voter. All you have to do to secure a Republican vote is show lots of pictures of gay people kissing or black kids with their pants pulled down or Mexican babies at an emergency room. Then you push forward some dingbat like Michele Bachmann or Sarah Palin to reassure everyone that the Republican Party knows who the real Americans are. Call it the “Rove 1-2.” That’s literally all it’s taken to secure decades of Republican votes, a few patriotic words and a little over-the-pants rubbing. Policywise, a typical Republican voter never even asks a politician to go to second base. While we always got free trade agreements and wars and bailouts and mass deregulation of industry and lots of other stuff the donors definitely wanted, we didn’t get Roe v. Wade overturned or prayer in schools or balanced budgets or censorship of movies and video games or any of a dozen other things Republican voters said they wanted.

After you list the debts smallest to largest, pay the minimum payment to stay current on all the debts except the smallest. Every dollar you can find from anywhere in your budget goes toward the smallest debt until it is paid. Once the smallest is paid, the payment from that debt, plus any extra “found” money, is added to the next smallest debt. (Trust me, once you get going, you will find money.) Then, when debt number two is paid off, you take the money that you used to pay on number one and number two and you pay it, plus any found money, on number three. When three is paid, you attack four, and so on. Keep paying minimums on all the debts except the smallest until it is paid. Every time you pay one off, the amount you pay on the next one down increases.

Here are the real objections... Doesn't have the money. Has the money, but is too damn cheap to spend it. Can't get the credit needed. Can't decide on his or her own. Doesn't have authority to spend over budget, or without someone else's financial approval. Thinks (or knows) he can get a better deal elsewhere. Has something else in mind, but won't tell you. Has a friend, connection, or satisfactory relationship in the business. Does not want to change vendors. Wants to shop around. Too busy with other more important things at this time. Doesn't need (or thinks he doesn't need) your product now. Thinks (or knows) your price is too high. Doesn't like or have confidence in your product. Doesn't like, trust, or have confidence in your company. Doesn't like, trust, or have confidence in you.

This determination that nurturing should become exclusively a concern of women served to signify to both sexes that neither nurture nor womanhood was very important. But the assignment to women of a kind of work that was thought both onerous and trivial was only the beginning of their exploitation. As the persons exclusively in charge of the tasks of nurture, women often came into sole charge of the household budget; they became family purchasing agents. The time of the household barterer was past. Kitchens were now run on a cash economy. Women had become customers, a fact not long wasted on the salesmen, who saw that in these women they had customers of a new and most promising kind. The modern housewife was isolated from her husband, from her school-age children, and from other women. She was saddled with work from which much of the skill, hence much of the dignity, had been withdrawn, and which she herself was less and less able to consider important. She did not know what her husband did at work, or after work, and she knew that her life was passing in his regardlessness and in his absence. Such a woman was ripe for a sales talk: this was the great commercial insight of modern times. Such a woman must be told — or subtly made to understand — that she must not be a drudge, that she must not let her work affect her looks, that she must not become “unattractive,” that she must always be fresh, cheerful, young, shapely, and pretty. All her sexual and mortal fears would thus be given voice, and she would be made to reach for money. What was implied was always the question that a certain bank finally asked outright in a billboard advertisement: “Is your husband losing interest?

Sadly, we were going to have to flee. We’d need to find somewhere new, and soon, and that would mean paying for our own security. I went back to my notebooks, started contacting security firms again. Meg and I sat down to work out exactly how much security we could afford, and how much house. Exactly then, while we were revising our budget, word came down: Pa was cutting me off. I recognized the absurdity, a man in his mid-thirties being financially cut off by his father. But Pa wasn’t merely my father, he was my boss, my banker, my comptroller, keeper of the purse strings throughout my adult life. Cutting me off therefore meant firing me, without redundancy pay, and casting me into the void after a lifetime of service. More, after a lifetime of rendering me otherwise unemployable. I felt fatted for the slaughter. Suckled like a veal calf. I’d never asked to be financially dependent on Pa. I’d been forced into this surreal state, this unending Truman Show in which I almost never carried money, never owned a car, never carried a house key, never once ordered anything online, never received a single box from Amazon, almost never traveled on the Underground. (Once, at Eton, on a theater trip.) Sponge, the papers called me. But there’s a big difference between being a sponge and being prohibited from learning independence. After decades of being rigorously and systematically infantilized, I was now abruptly abandoned, and mocked for being immature? For not standing on my own two feet? The question of how to pay for a home and security kept Meg and me awake at nights. We could always spend some of my inheritance from Mummy, we said, but that felt like a last resort. We saw that money as belonging to Archie. And his sibling. It was then that we learned Meg was pregnant.

In her book The Government-Citizen Disconnect, the political scientist Suzanne Mettler reports that 96 percent of American adults have relied on a major government program at some point in their lives. Rich, middle-class, and poor families depend on different kinds of programs, but the average rich and middle-class family draws on the same number of government benefits as the average poor family. Student loans look like they were issued from a bank, but the only reason banks hand out money to eighteen-year-olds with no jobs, no credit, and no collateral is because the federal government guarantees the loans and pays half their interest. Financial advisers at Edward Jones or Prudential can help you sign up for 529 college savings plans, but those plans' generous tax benefits will cost the federal government an estimated $28.5 billion between 2017 and 2026. For most Americans under the age of sixty-five, health insurance appears to come from their jobs, but supporting this arrangement is one of the single largest tax breaks issued by the federal government, one that exempts the cost of employer-sponsored health insurance from taxable incomes. In 2022, this benefit is estimated to have cost the government $316 billion for those under sixty-five. By 2032, its price tag is projected to exceed $6oo billion. Almost half of all Americans receive government-subsidized health benefits through their employers, and over a third are enrolled in government-subsidized retirement benefits. These participation rates, driven primarily by rich and middle-class Americans, far exceed those of even the largest programs directed at low income families, such as food stamps (14 percent of Americans) and the Earned Income Tax Credit (19 percent). Altogether, the United States spent $1.8 trillion on tax breaks in 2021. That amount exceeded total spending on law enforcement, education, housing, healthcare, diplomacy, and everything else that makes up our discretionary budget. Roughly half the benefits of the thirteen largest individual tax breaks accrue to the richest families, those with incomes that put them in the top 20 percent. The top I percent of income earners take home more than all middle-class families and double that of families in the bottom 20 percent. I can't tell you how many times someone has informed me that we should reduce military spending and redirect the savings to the poor. When this suggestion is made in a public venue, it always garners applause. I've met far fewer people who have suggested we boost aid to the poor by reducing tax breaks that mostly benefit the upper class, even though we spend over twice as much on them as on the military and national defense.

A large brand will typically spend between 10 and 20 percent of their media buy on creative,” DeJulio explains. “So if they have a $500 million media budget, there’s somewhere between $50 to $100 million going toward creating content. For that money they’ll get seven to ten pieces of content, but not right away. If you’re going to spend $1 million on one piece of content, it’s going to take a long time—six months, nine months, a year—to fully develop. With this budget and timeline, brands have no margin to take chances creatively.” By contrast, the Tongal process: If a brand wants to crowdsource a commercial, the first step is to put up a purse—anywhere from $50,000 to $200,000. Then, Tongal breaks the project into three phases: ideation, production, and distribution, allowing creatives with different specialties (writing, directing, animating, acting, social media promotion, and so on) to focus on what they do best. In the first competition—the ideation phase—a client creates a brief describing its objective. Tongal members read the brief and submit their best ideas in 500 characters (about three tweets). Customers then pick a small number of ideas they like and pay a small portion of the purse to these winners. Next up is production, where directors select one of the winning concepts and submit their take. Another round of winners are selected and these folks are given the time and money to crank out their vision. But this phase is not just limited to these few winning directors. Tongal also allows anyone to submit a wild card video. Finally, sponsors select their favorite video (or videos), the winning directors get paid, and the winning videos get released to the world. Compared to the seven to ten pieces of content the traditional process produces, Tongal competitions generate an average of 422 concepts in the idea phase, followed by an average of 20 to 100 finished video pieces in the video production phase. That is a huge return for the invested dollars and time.

Managerial abilities, bureaucratic skills, technical expertise, and political talent are all necessary, but they can be applied only to goals that have already been defined by military policies, broad and narrow. And those policies can be only as good as strategy, operational art of war, tactical thought, and plain military craft that have gone into their making. At present, the defects of structure submerge or distort strategy and operational art, they out rightly suppress tactical ingenuity, and they displace the traditional insights and rules of military craft in favor of bureaucratic preferences, administrative convenience, and abstract notions of efficiency derived from the world of business management. First there is the defective structure for making of military decisions under the futile supervision of the civilian Defense Department; then come the deeply flawed defense policies and military choices, replete with unnecessary costs and hidden risks; finally there come the undoubted managerial abilities, bureaucratic skills, technical expertise, and political talents, all applied to achieve those flawed policies and to implement those flawed choices. By this same sequence was the fatally incomplete Maginot Line built, as were all the Maginot Lines of history, each made no better by good government, technical talent, careful accounting, or sheer hard work. Hence the futility of all the managerial innovations tried in the Pentagon over the years. In the purchasing of weapons, for example, “total package” procurement, cost plus incentive contracting, “firm fixed price” purchasing have all been introduced with much fanfare, only to be abandoned, retried, and repudiated once again. And each time a new Secretary of Defense arrives, with him come the latest batch of managerial innovations, many of them aimed at reducing fraud, waste, and mismanagement-the classic trio endlessly denounced in Congress, even though they account for mere percentage points in the total budget, and have no relevance at all to the failures of combat. The persistence of the Administrator’s Delusion has long kept the Pentagon on a treadmill of futile procedural “reforms” that have no impact at all on the military substance of our defense. It is through strategy, operational art, tactical ingenuity, and military craft that the large savings can be made, and the nation’s military strength greatly increased, but achieving long-overdue structural innovations, from the central headquarters to the combat forces, from the overhead of bases and installations to the current purchase of new weapons. Then, and only then, will it be useful to pursue fraud, waste, and mismanagement, if only to save a few dollars more after the billions have already been saved. At present, by contrast, the Defense Department administers ineffectively, while the public, Congress, and the media apply their energies to such petty matters as overpriced spare parts for a given device in a given weapon of a given ship, overlooking at the same time the multibillion dollar question of money spent for the Navy as a whole instead of the Army – whose weakness diminishes our diplomatic weight in peacetime, and which could one day cause us to resort to nuclear weapons in the face of imminent debacle. If we had a central military authority and a Defense Department capable of strategy, we should cheerfully tolerate much fraud, waste, and mismanagement; but so long as there are competing military bureaucracies organically incapable of strategic combat, neither safety nor economy will be ensured, even if we could totally eliminate every last cent of fraud, waste, and mismanagement.

As America’s diplomats face budget cuts, China’s coffers are more flush with each passing year. Beijing has poured money into development projects, including a $1.4-trillion slate of infrastructure initiatives around the world that would dwarf the Marshall Plan, adjusted for inflation. Its spending on foreign assistance is still a fraction of the United States’, but the trend line is striking, with funding growing by an average of more than 20 percent annually since 2005. The rising superpower is making sure the world knows it. In one recent year, the US State Department spent $666 million on public diplomacy, aimed at winning hearts and minds abroad. While it’s difficult to know exactly what China spends on equivalent programs, one analysis put the value of its “external propaganda” programs at about $10 billion a year. In international organizations, Beijing looms large behind a retreating Washington, DC. As the US proposes cuts to its UN spending, China has become the second-largest funder of UN peacekeeping missions. It now has more peacekeepers in conflicts around the world than the four other permanent Security Council members combined. The move is pragmatic: Beijing gets more influence, and plum appointments in the United Nations’ governing bodies.

Daily work in the field of online advertising, as Jack Goldenberg sees it, is still significantly different from what the trends are propagated by online promotions. Defining online budget According to Jack Goldenberg a vast majority of the budget for online advertising does not exceed $2,000 on a monthly basis, depending on the perception of the company as they can bring effects "online adventure", established budgets for online advertising move in value from $200 to $2,000 per month (with highest proportion of $200-$500). This does not mean that a number of companies gives less advertising - but even then it can not be called "creating the campaign." Goldenberg believes that in order to create an online advertising campaign there should be a budget of at least $500 for the use of different types of online advertising. Goldenberg explains this as: In an environment of such budget is not simply distribute the money "wisely" and that since it has obvious benefits through a variety of online advertising systems. Jack Goldenberg found out how most companies in the world and USA are oriented towards effects in relation to the funds that are made for advertising. In this type of company, regardless of what everyone knows to be used types of brand advertising (advertising through banners - display advertising) to create recognizable firms in certain target groups, the effects of such advertising are not directly comparable with respect to the effects of (price per click - CPC - Cost per click) with contextual advertising, which for years has given much more efficient (measurable) results in relation to advertising banners, concludes Mr. Goldenberg. According to Yoel Goldenberg it is good when there is an understanding in companies that brand advertising has a different type of effects in relation to the PPC (contextual) advertising, and that would be it "documented" in a certain way, it is necessary to constantly explore and find those web sites that deliver the best effects for optimum need of assets. The process of creating an online advertising campaigns, explained by Goldenberg, usually starts (or should start) finding individual Web sites on which to advertise a company could, possibly longer term. Unfortunately, says Goldenberg, in our country is not in all sectors (industries) simply find diverse Web sites from which to choose "pretenders" for online advertising. An even greater problem is the fact that long-term advertising on a Web site does not bring the desired effect, unless it is constantly not working to the content of advertising often changes with an emphasis on meeting the needs of potential clients.

If the hunger for paradise is wired into your heart (and it is), either you will realize that this present life has been designed as a preparation for the paradise to come, or you will do your best and work your hardest to turn the present moment into the paradise it will never be. You and I live in a broken world that right now will not be the paradise we seek. You and I are flawed people, living with flawed people, and collectively we have no ability whatsoever to deliver paradise to one another. Every place you go and every created thing you handle has been damaged by the fall. This simply is not and won’t be the paradise you seek. For all who have placed their trust in the Savior, paradise is a secure reality. The paradise for which your heart longs is coming, but you will not experience it right here, right now. No, God has chosen to keep you in this broken world in order to use its brokenness to prepare you for what is to come. The brokenness you live in the middle of, and the difficulties you face there, are not in the way of God’s good plan for you; they are an important ingredient in it. Right now, God is not so much working to change your surroundings but to change you so that you are ready for the new surroundings he has planned and purchased for you in his grace. Simply said, either you are waiting by faith for the paradise to come, or you are working with your hands to build paradise in the here and now. Looking for paradise in the here and now is another ingredient of the money madness inside many of us and has overtaken the culture around us. We frenetically spend on material things, physical experiences, and new locations in the search of a piece of paradise. Our hearts long for the freedom from external difficulty and internal emptiness that we so often feel. We instinctively know that there must be more, that this can’t be it. Deep within us we feel like we’re missing something. So in our eternity amnesia we don’t lift up our eyes to look afar and consider the glories that are coming. No, we open our wallets and look around at what may have the potential to give us the paradise we are seeking. And because nothing can deliver it, we spend from thing to thing to thing, hoping that the next thing will deliver. But we don’t end up with paradise. We end up with houses that are bigger and more luxurious than we need, cars that are more identity markers than means of transportation, a pile of possessions, many of which lie unused, amassed debt, and wallets that are empty. But the paradise that we’ve spent to get has eluded us. Sure, budgets are helpful, but only if they are a piece of handling our money with eternity in view. When it comes to money, the PMP that lives inside us and that has captured our culture just cannot work. It will cause you to spend too much, it will tempt you to spend unwisely, and for all of your investment, it will leave you empty in the end.

Yes, that. Would you care to explain where the money is going, Madam President?” Letty laughed up at him with warm, loving eyes. “Certainly, Mr. Blackstone. Do you want to hear the explanation before or after I tell you that I have every reason to believe I'm pregnant?” That very morning Joel had decided that it was probably not possible for him to be any happier than he was already. Now he realized he was wrong. He forgot about the little matter of a fifty thousand dollar cost overrun and started to grin like an idiot. “You're pregnant?” Joel ignored the embarrassed expression on the face of the blond Adonis. “You're going to have our baby?” “It would appear so.” Letty pushed her glasses up onto her nose and smiled demurely. “What do you say to that, Mr. Blackstone?” Joel tossed the file over his left shoulder. The data on the ad budget was sent flying into the air. Eyes gleaming, he walked over to Letty and lifted her carefully into his arms. “I say the hell with the fifty thousand dollars. What's a few bucks between a president and her CEO?” “I knew you'd be reasonable about it, Joel.” Joel carried her out the door and down the hall. “Let's go back to my office, Mrs. Blackstone, and discuss something far more important than ad budget overruns.” “Yes, of course, Mr. Blackstone.” Letty glowed up at him. “And this time we must remember to lock the door before we start our discussions.” Joel's laughter echoed down the halls of Thornquist Gear. Life was very good.

Where should we be if every one had his rights? Fancy every one's having a hand in the government? Can you imagine a city ruled by its citizens? Why, the citizens are the team, and the team cannot be driver. To put to the vote is to throw to the winds. Would you have states driven like clouds? Disorder cannot build up order. With chaos for an architect, the edifice would be a Babel. And, besides, what tyranny is this pretended liberty! As for me, I wish to enjoy myself; not to govern. It is a bore to have to vote; I want to dance. A prince is a providence, and takes care of us all. Truly the king is generous to take so much trouble for our sakes. Besides, he is to the manner born. He knows what it is. It's his business. Peace, War, Legislation, Finance--what have the people to do with such things? Of course the people have to pay; of course the people have to serve; but that should suffice them. They have a place in policy; from them come two essential things, the army and the budget. To be liable to contribute, and to be liable to serve; is not that enough? What more should they want? They are the military and the financial arm. A magnificent rôle. The king reigns for them, and they must reward him accordingly. Taxation and the civil list are the salaries paid by the peoples and earned by the prince. The people give their blood and their money, in return for which they are led. To wish to lead themselves! what an absurd idea! They require a guide; being ignorant, they are blind. Has not the blind man his dog? Only the people have a lion, the king, who consents to act the dog. How kind of him! But why are the people ignorant? because it is good for them. Ignorance is the guardian of Virtue. Where there is no perspective there is no ambition. The ignorant man is in useful darkness, which, suppressing sight, suppresses covetousness: whence innocence. He who reads, thinks; who thinks, reasons. But not to reason is duty; and happiness as well. These truths are incontestable; society is based on them.