Buy What You Can Afford Quotes

If you have to ask someone to change, to tell you they love you, to bring wine to dinner, to call you when they land, you can’t afford to be with them. It’s not worth the price, even though, just like the Tiffany catalog, no one tells you what the price is. You set it yourself, and if you’re lucky it’s reasonable. You have a sense of when you’re about to go bankrupt. Your own sense of self-worth takes the wheel and says, Enough of this shit. Stop making excuses. No one’s that busy at work. No one’s allergic to whipped cream. There are too cell phones in Sweden. But most people don’t get lucky. They get human. They get crushes. This means you irrationally mortgage what little logic you own to pay for this one thing. This relationship is an impulse buy, and you’ll figure out if it’s worth it later.

Man has always been a venal animal. The growth of populations, the huge costs of war, the incessant pressure of confiscatory taxation – all these things make him more and more venal. The average man is tired and scared, and a tired, scared man can’t afford ideals. He has to buy food for his family. In our time we have seen a shocking decline in both public and private morals. You can’t expect quality from people whose lives are a subjection to a lack of quality. You can’t have quality with mass production. You don’t want it because it lasts too long. So you substitute styling, which is a commercial swindle intended to produce artificial obsolescence. Mass production couldn’t sell its goods next year unless it made what is sold this year look unfashionable a year from now. We have the whitest kitchens and the most shining bathrooms in the world. But in the lovely white kitchen the average [person] can’t produce a meal fit to eat, and the lovely shining bathroom is mostly a receptacle for deodorants, laxatives, sleeping pills, and the products of that confidence racket called the cosmetic industry. We make the finest packages in the world, Mr Marlowe. The stuff inside is mostly junk.

...the poor get poorer, the rich get richer, and the real class divide is between those who can borrow money and those who can’t. Because no matter how much money anyone earns, they still lie awake at the end of the month worrying about money. Everyone looks at what their neighbors have and wonders, ‘How can they afford that?’ because everyone is living beyond their means. So not even really rich people ever feel really rich, because in the end the only thing you can buy is a more expensive version of something you’ve already got. With borrowed money.

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

Books are what teach you about life. Books teach you about empathy. But you can't buy books if you can't even afford to make rent. That's why libraries are a vital resource. You shut a library, you don't just shut down a building. You shut down hope.

Books are essential to me. I cannot live without them, because I cannot live without reading. But, Arry has just said to me, you can always borrow them so why buy them? I don't buy books just to collect them. I'm not a collector. I'm not interested in them as objects that might be valuable one day, regardless of what they are about, nor do I want to own every book ever written by one particular author or on one particular subject. I buy them because I want to read them, and I keep them because I've read them. I can't afford to buy all the ones I'd like to, so I have to borrow quite a few, and this has taught me something about myself, which I haven't heard anyone else admit. When I've read a book which I really like, a book which MATTERS, I feel it belongs to me. I mean, the book itself, the copy I've read. It's as if I pour myself onto the pages as I read them, all my thoughts and emotions, so that by the time I've finished that copy holds inside it the essence of my reading. A borrowed book has to be returned, so I lose this essence of myself when I give it back. Besides which, a borrowed book has inside it something of everyone else who's read it. They've fingered it and pawed over it, breathed on it, done heaven knows what else as well as read it. And knowing this spoils my reading. The other readers get in my way. I can feel their presence on the cover and on the pages. They even make it smell differently from my own books. In fact, to my mind they've polluted the book and everything in it. That is also why I never buy second-hand books.

What you can't afford to lose, you can't afford to buy

Invest in a share what you can afford to lose.

Wages and housing costs have diverged so dramatically that, for a growing number of Americans, the dream of a middle-class life has gone from difficult to impossible. As I write this, there are only a dozen counties and one metro area in America where a full-time minimum wage worker can afford a one-bedroom apartment at fair market rent. You’d have to make at least $16.35 an hour—more than twice the federal minimum wage—to rent such an apartment without spending more than the recommended 30 percent of income on housing. The consequences are dire, especially for the one in six American households that have been putting more than half of what they make into shelter. For many low-income families, that means little or nothing left over to buy food, medication, and other essentials.

What good is having the right to sit at a lunch counter if you can't afford to buy a hamburger?

Publicity is effective precisely because it feeds upon the real. Clothes, food, cars, cosmetics, baths, sunshine are real things to be enjoyed in themselves. Publicity begins by working on a natural appetite for pleasure. But it cannot offer the real object of pleasure and there is no convincing substitute for a pleasure in that pleasure's own terms. The more convincingly publicity conveys the pleasure of bathing in a warm, distant sea, the more the spectator-buyer will become aware that he is hundreds of miles away from that sea and the more remote the chance of bathing in it will seem to him. This is why publicity can never really afford to be about the product or opportunity it is proposing to the buyer who is not yet enjoying it. Publicity is never a celebration of a pleasure-in-itself. Publicity is always about the future buyer. It offers him an image of himself made glamorous by the product or opportunity it is trying to sell. The image then makes him envious of himself as he might be. Yet what makes this self-which-he-might-be enviable? The envy of others. Publicity is about social relations, not objects. Its promise is not of pleasure, but of happiness : happiness as judged from the outside by others. The happiness of being envied is glamour. Being envied is a solitary form of reassurance. It depends precisely upon not sharing your experience with those who envy you. You are observed with interest but you do not observe with interest - if you do, you will become less enviable. ... ... The spectator-buyer is meant to envy herself as she will become if she buys the product. She is meant to imagine herself transformed by the product into an object of envy for others, an envy which will then justify her loving herself. One could put this another way : the publicity images steals her love of herself as she is, and offers it back to her for the price of the product. (P. 128)

There wasn’t anything Lincoln wanted that he couldn’t afford. What did he really want, anyway? To buy new books when they came out in hardback. To not have to think about how much money was in his wallet when he was ordering dinner. Maybe new sneakers …And there wasn’t anything he wanted to do that he couldn’t make time for. What did he have to mope about, really? What more did he want? Love, he could hear Eve saying. Purpose. Love. Purpose. Those are the things that you can’t plan for. Those are the things that just happen. And what if they don’t happen? Do you spend your whole life pining for them? Waiting to be happy?

I loved you enough to bug you about where you were going, with whom and what time you would get home. I loved you enough to insist you buy a bike with your own money even though we could afford it. I loved you enough to be silent and let you discover your friend was a creep. I loved you enough to make you return a Milky Way with a bite out of it to the drugstore and confess, “I stole this.” I loved you enough to stand over you for two hours while you cleaned your bedroom, a job that would have taken me 15 minutes. I loved you enough to say, “Yes, you can go to Disney World on Mother’s Day.” I loved you enough to let you see anger, disappointment, disgust and tears in my eyes. I loved you enough not to make excuses for your lack of respect or your bad manners. I loved you enough to admit that I was wrong and ask for your forgiveness. I loved you enough to ignore what every other mother did or said. I loved you enough to let you stumble, fall, hurt and fail. I loved you enough to let you assume the responsibility for your own actions at age 6, 10 or 16. I loved you enough to figure you would lie about the party being chaperoned but forgave you for it—after discovering I was right. I loved you enough to accept you for what you are, not what I wanted you to be. But, most of all, I loved you enough to say no when you hated me for it. That was the hardest part of all.

Everyone looks at what their neighbors have and wonders, ‘How can they afford that?’ because everyone is living beyond their means. So not even really rich people ever feel really rich, because in the end the only thing you can buy is a more expensive version of something you’ve already got. With borrowed money.

The Sun King had dinner each night alone. He chose from forty dishes, served on gold and silver plate. It took a staggering 498 people to prepare each meal. He was rich because he consumed the work of other people, mainly in the form of their services. He was rich because other people did things for him. At that time, the average French family would have prepared and consumed its own meals as well as paid tax to support his servants in the palace. So it is not hard to conclude that Louis XIV was rich because others were poor. But what about today? Consider that you are an average person, say a woman of 35, living in, for the sake of argument, Paris and earning the median wage, with a working husband and two children. You are far from poor, but in relative terms, you are immeasurably poorer than Louis was. Where he was the richest of the rich in the world’s richest city, you have no servants, no palace, no carriage, no kingdom. As you toil home from work on the crowded Metro, stopping at the shop on the way to buy a ready meal for four, you might be thinking that Louis XIV’s dining arrangements were way beyond your reach. And yet consider this. The cornucopia that greets you as you enter the supermarket dwarfs anything that Louis XIV ever experienced (and it is probably less likely to contain salmonella). You can buy a fresh, frozen, tinned, smoked or pre-prepared meal made with beef, chicken, pork, lamb, fish, prawns, scallops, eggs, potatoes, beans, carrots, cabbage, aubergine, kumquats, celeriac, okra, seven kinds of lettuce, cooked in olive, walnut, sunflower or peanut oil and flavoured with cilantro, turmeric, basil or rosemary … You may have no chefs, but you can decide on a whim to choose between scores of nearby bistros, or Italian, Chinese, Japanese or Indian restaurants, in each of which a team of skilled chefs is waiting to serve your family at less than an hour’s notice. Think of this: never before this generation has the average person been able to afford to have somebody else prepare his meals. You employ no tailor, but you can browse the internet and instantly order from an almost infinite range of excellent, affordable clothes of cotton, silk, linen, wool and nylon made up for you in factories all over Asia. You have no carriage, but you can buy a ticket which will summon the services of a skilled pilot of a budget airline to fly you to one of hundreds of destinations that Louis never dreamed of seeing. You have no woodcutters to bring you logs for the fire, but the operators of gas rigs in Russia are clamouring to bring you clean central heating. You have no wick-trimming footman, but your light switch gives you the instant and brilliant produce of hardworking people at a grid of distant nuclear power stations. You have no runner to send messages, but even now a repairman is climbing a mobile-phone mast somewhere in the world to make sure it is working properly just in case you need to call that cell. You have no private apothecary, but your local pharmacy supplies you with the handiwork of many thousands of chemists, engineers and logistics experts. You have no government ministers, but diligent reporters are even now standing ready to tell you about a film star’s divorce if you will only switch to their channel or log on to their blogs. My point is that you have far, far more than 498 servants at your immediate beck and call. Of course, unlike the Sun King’s servants, these people work for many other people too, but from your perspective what is the difference? That is the magic that exchange and specialisation have wrought for the human species.

no matter how much money anyone earns, they still lie awake at the end of the month worrying about money. Everyone looks at what their neighbors have and wonders, ‘How can they afford that?’ because everyone is living beyond their means. So not even really rich people ever feel really rich, because in the end the only thing you can buy is a more expensive version of something you’ve already got. With borrowed money.

When this is over, let’s just do it.” “Do what?” Lila gazes up at him. Adjusts his thick black frames as they slip down his nose. “Get married.” She smiles. “Married, huh. Are you proposing?” “Not officially. After, when this job is done, I am going to go buy you the biggest ring I can afford—which won’t be very big at all, but I will buy it with love. Then I will get down on one knee and that’s when I will propose.” “I might say yes.” “God willing.

Living frugally even when you can afford to live luxurious will not only help you to save money. It will also help you to realize what is truly important in life. The secret that Warren Buffett knows is that money truly cannot buy you happiness. It can buy you a sense of security and it can open many doors for you. However, happiness comes from being engaged in fulfilling work; from strengthening your relationships with those who are most important to you; from doing those things that make you happy.

August 29th WANT NOTHING = HAVE EVERYTHING “No person has the power to have everything they want, but it is in their power not to want what they don’t have, and to cheerfully put to good use what they do have.” —SENECA, MORAL LETTERS, 123.3 Is there a person so rich that there is literally nothing they can’t afford? Surely there isn’t. Even the richest people regularly fail in their attempts to buy elections, to purchase respect, class, love, and any number of other things that are not for sale. If obscene wealth will never get you everything you want, is that the end of it? Or is there another way to solve for that equation? To the Stoics, there is: by changing what it is that you want. By changing how you think, you’ll manage to get it. John D. Rockefeller, who was as rich as they come, believed that “a man’s wealth must be determined by the relation of his desires and expenditures to his income. If he feels rich on $10 and has everything he desires, he really is rich.” Today, you could try to increase your wealth, or you could take a shortcut and just want less.

It means that the poor get poorer, the rich get richer, and the real class divide is between those who can borrow money and those who can’t. Because no matter how much money anyone earns, they still lie awake at the end of the month worrying about money. Everyone looks at what their neighbors have and wonders, ‘How can they afford that?’ because everyone is living beyond their means. So not even really rich people ever feel really rich, because in the end the only thing you can buy is a more expensive version of something you’ve already got. With borrowed money.

A brick could be used to show you how to live a richer, fuller, more satisfying life. Don’t you want to have fulfillment and meaning saturating your existence? I can show you how you can achieve this and so much more with just a simple brick. For just $99.99—not even an even hundred bucks, I’ll send you my exclusive life philosophy that’s built around a brick. Man’s used bricks to build houses for centuries. Now let one man, me, show you how a brick can be used to build your life up bigger and stronger than you ever imagined. But act now, because supplies are limited. This amazing offer won’t last forever. You don’t want to wake up in ten years to find yourself divorced, homeless, and missing your testicles because you waited even two hours too long to obtain this information. Become a hero today—save your life. Procrastination is only for the painful things in life. We prolong the boring, but why put off for tomorrow the exciting life you could be living today? If you’re not satisfied with the information I’m providing, I’m willing to offer you a no money back guarantee. That’s right, you read that wrong. If you are not 100% dissatisfied with my product, I’ll give you your money back. For $99.99 I’m offering 99.99%, but you’ve got to be willing to penny up that percentage to 100. Why delay? The life you really want is mine, and I’m willing to give it to you—for a price. That price is a one-time fee of $99.99, which of course everyone can afford—even if they can’t afford it. Homeless people can’t afford it, but they’re the people who need my product the most. Buy my product, or face the fact that in all probability you are going to end up homeless and sexless and unloved and filthy and stinky and probably even disabled, if not physically than certainly mentally. I don’t care if your testicles taste like peanut butter—if you don’t buy my product, even a dog won’t lick your balls you miserable cur. I curse you! God damn it, what are you, slow? Pay me my money so I can show you the path to true wealth. Don’t you want to be rich? Everything takes money—your marriage, your mortgage, and even prostitutes. I can show you the path to prostitution—and it starts by ignoring my pleas to help you. I’m not the bad guy here. I just want to help. You have some serious trust issues, my friend. I have the chance to earn your trust, and all it’s going to cost you is a measly $99.99. Would it help you to trust me if I told you that I trust you? Well, I do. Sure, I trust you. I trust you to make the smart decision for your life and order my product today. Don’t sleep on this decision, because you’ll only wake up in eight hours to find yourself living in a miserable future. And the future indeed looks bleak, my friend. War, famine, children forced to pimp out their parents just to feed the dog. Is this the kind of tomorrow you’d like to live in today? I can show you how to provide enough dog food to feed your grandpa for decades. In the future I’m offering you, your wife isn’t a whore that you sell for a knife swipe of peanut butter because you’re so hungry you actually considered eating your children. Become a hero—and save your kids’ lives. Your wife doesn’t want to spread her legs for strangers. Or maybe she does, and that was a bad example. Still, the principle stands. But you won’t be standing—in the future. Remember, you’ll be confined to a wheelchair. Mushrooms are for pizzas, not clouds, but without me, your life will atom bomb into oblivion. Nobody’s dropping a bomb while I’m around. The only thing I’m dropping is the price. Boom! I just lowered the price for you, just to show you that you are a valued customer. As a VIP, your new price on my product is just $99.96. That’s a savings of over two pennies (three, to be precise). And I’ll even throw in a jar of peanut butter for free. That’s a value of over $.99. But wait, there’s more! If you call within the next ten minutes, I’ll even throw in a blanket free of charge. . .

In ways both small and overwhelming, we all know what brokenness feels like. And sometimes our own brokenness—or the brokenness of those we love—seems like too much to bear. Whether it's buying more than we can afford or striking out in anger at the people we love or eating more than we want to or pushing people away when we need them most, we all have places where brokenness is painfully apparent in our own hearts. We all have parts of our lives where we are waiting for things to change. Whether we're waiting for physical healing or emotional wholeness or spiritual breakthrough, we are all waiting for our brokenness to be mended. We wait because we are broken, and we are broken because we are waiting.

The Terrible People People who have what they want are very fond of telling people who haven't what they want that they really don't want it, And I wish I could afford to gather all such people into a gloomy castle on the Danube and hire half a dozen capable Draculas to haunt it. I don't mind their having a lot of money, and I don't care how they employ it, But I do think that they damn well ought to admit they enjoy it. But no, they insist on being stealthy About the pleasures of being wealthy, And the possession of a handsome annuity Makes them think that to say how hard it is to make both ends meet is their bounden duity. You cannot conceive of an occasion Which will find them without some suitable evasion. Yes indeed, with arguments they are very fecund; Their first point is that money isn't everything, and that they have no money anyhow is their second. Some people's money is merited, And other people's is inherited, But wherever it comes from, They talk about it as if it were something you got pink gums from. Perhaps indeed the possession of wealth is constantly distressing, But I should be quite willing to assume every curse of wealth if I could at the same time assume every blessing. The only incurable troubles of the rich are the troubles that money can't cure, Which is a kind of trouble that is even more troublesome if you are poor. Certainly there are lots of things in life that money won't buy, but it's very funny -- Have you ever tried to buy them without money?

It is important here not to confuse publicity with the pleasure or benefits to be enjoyed from the things it advertises. Publicity is effective precisely because it feeds upon the real. Clothes, food, cars, cosmetics, baths, sunshine are real things to be enjoyed in themselves. Publicity begins by working on a natural appetite for pleasure. But it cannot offer the real object of pleasure and there is no convincing substitute for a pleasure in that pleasure's own terms. The more convincingly publicity conveys the pleasure of bathing in a warm, distant sea, the more the spectator-buyer will become aware that he is hundreds of miles away from that sea and the more remote the chance of bathing in it will seem to him. This is why publicity can never really afford to be about the product or opportunity it is proposing to the buyer who is not yet enjoying it. Publicity is never a celebration of a pleasure-in-itself. Publicity is always about the future buyer. It offers him an image of himself made glamorous by the product or opportunity it is trying to sell. The image then makes him envious of himself as he might be. Yet what makes this self-which-he-might-be enviable? The envy of others. Publicity is about social relations, not objects. Its promise is not of pleasure, but of happiness : happiness as judged from the outside by others. The happiness of being envied is glamour. Being envied is a solitary form of reassurance. It depends precisely upon not sharing your experience with those who envy you. You are observed with interest but you do not observe with interest - if you do, you will become less enviable. ....... The spectator-buyer is meant to envy herself as she will become if she buys the product. She is meant to imagine herself transformed by the product into an object of envy for others, an envy which will then justify her loving herself. One could put this another way : the publicity images steals her love of herself as she is, and offers it back to her for the price of the product.

Sally's father,' explained Walter, 'got me a job in a bank. I can't tell you what I suffered for three whole days. It was like a PG Wodehouse novel, only not funny at all, or perhaps I've no sense of humour. To begin with, I had to get up at eight every morning. One had much better be dead, you know. Then, my dear, the expense! I can't tell you what it cost me in taxis alone, not to mention the suit I had to buy - a most lugubrious black affair. There was no time to get back here for luncheon, and I couldn't go all day without seeing Sally, so we went to a restaurant that was recommended to us called "Simkins," too putting off. Sally was given some perfectly raw meat with blood instead of gravy, and naturally she nearly fainted, and she had to have brandy before I could get her out of the place. By then we were so upset that we felt we must go to the Ritz in order to be soothed, which meant more taxis. In the end we reckoned that those three days had cost me every penny of thirty pounds, so I gave it up. I can't afford that sort of thing, you know.

There’s a story about legendary copywriter Gary Halbert, who once asked a room of aspiring writers, “Imagine you’re opening a hamburger stand on the beach—what do you need most to succeed?” Answers included, “secret sauce,” and “great location” and “quality meat.” Halbert replied, “You missed the most important thing—A STARVING CROWD.” Your job is to find that “starving crowd” who can’t live without what it is you have to offer. What we want to do in terms of targeting is to find good, prospective customers for our business that can be reached affordably, that are likely to buy, that are able to buy, and preferably who already know of us, or are likely to trust us. Once you get this down, and you nail exactly who your slam-dunk customer truly is—the person you absolutely want to do business with over and again—then you’ll be able to make your marketing “magnetic” because you’ll be using words and phrases that’ll attract your target audience. This makes your job much easier, because you can talk to them using language they relate to about what it is they really want.

There was once a businessman who was sitting by the beach in a small Brazilian village. As he sat, he saw a Brazilian fisherman rowing a small boat toward the shore having caught quite a few big fish. The businessman was impressed and asked the fisherman, “How long does it take you to catch so many fish?” The fisherman replied, “Oh, just a short while.” “Then why don’t you stay longer at sea and catch even more?” The businessman was astonished. “This is enough to feed my whole family,” the fisherman said. The businessman then asked, “So, what do you do for the rest of the day?” The fisherman replied, “Well, I usually wake up early in the morning, go out to sea and catch a few fish, then go back and play with my kids. In the afternoon, I take a nap with my wife, and [when] evening comes, I join my buddies in the village for a drink—we play guitar, sing and dance throughout the night.” The businessman offered a suggestion to the fisherman. “I am a PhD in business management. I could help you to become a more successful person. From now on, you should spend more time at sea and try to catch as many fish as possible. When you have saved enough money, you could buy a bigger boat and catch even more fish. Soon you will be able to afford to buy more boats, set up your own company, your own production plant for canned food and distribution network. By then, you will have moved out of this village and to São Paulo, where you can set up an HQ to manage your other branches.” The fisherman continues, “And after that?” The businessman laughs heartily. “After that, you can live like a king in your own house, and when the time is right, you can go public and float your shares in the Stock Exchange, and you will be rich.” The fisherman asks, “And after that?” The businessman says, “After that, you can finally retire, you can move to a house by the fishing village, wake up early in the morning, catch a few fish, then return home to play with [your] kids, have a nice afternoon nap with your wife, and when evening comes, you can join your buddies for a drink, play the guitar, sing and dance throughout the night!” The fisherman was puzzled. “Isn’t that what I am doing now?

Nonconformity is an affront to those in the mainstream. Our impulse is to dismiss this lifestyle, create reasons why it can’t work, why it doesn’t even warrant consideration. Why not? Living outdoors is cheap and can be afforded by a half year of marginal employment. They can’t buy things that most of us have, but what they lose in possessions, they gain in freedom. In Somerset Maugham’s The Razor’s Edge, lead character Larry returns from the First World War and declares that he would like to “loaf.”23 The term “loafing” inadequately describes the life he would spend traveling, studying, searching for meaning, and even laboring. Larry meets with the disapproval of peers and would-be mentors: “Common sense assured…that if you wanted to get on in this world, you must accept its conventions, and not to do what everybody else did clearly pointed to instability.” Larry had an inheritance that enabled him to live modestly and pursue his dreams. Larry’s acquaintances didn’t fear the consequences of his failure; they feared his failure to conform. I’m no maverick. Upon leaving college I dove into the workforce, eager to have my own stuff and a job to pay for it. Parents approved, bosses gave raises, and my friends could relate. The approval, the comforts, the commitments wound themselves around me like invisible threads. When my life stayed the course, I wouldn’t even feel them binding. Then I would waiver enough to sense the growing entrapment, the taming of my life in which I had been complicit. Working a nine-to-five job took more energy than I had expected, leaving less time to pursue diverse interests. I grew to detest the statement “I am a…” with the sentence completed by an occupational title. Self-help books emphasize “defining priorities” and “staying focused,” euphemisms for specialization and stifling spontaneity. Our vision becomes so narrow that risk is trying a new brand of cereal, and adventure is watching a new sitcom. Over time I have elevated my opinion of nonconformity nearly to the level of an obligation. We should have a bias toward doing activities that we don’t normally do to keep loose the moorings of society. Hiking the AT is “pointless.” What life is not “pointless”? Is it not pointless to work paycheck to paycheck just to conform? Hiking the AT before joining the workforce was an opportunity not taken. Doing it in retirement would be sensible; doing it at this time in my life is abnormal, and therein lay the appeal. I want to make my life less ordinary.

In addition to his insight about making a positive difference, Peter Drucker had five other rules that are applicable for earning credibility. At first they may strike you as self-evident, even trite, but smarter people than I have had the same initial reaction and now are quoting them back to me on a regular basis. If you want to elevate your credibility, start by committing these Druckerisms to memory: Every decision in the world is made by the person who has the power to make the decision. Make peace with that. If we need to influence someone in order to make a positive difference, that person is our customer and we are a salesperson. Our customer does not need to buy; we need to sell. When we are trying to sell, our personal definition of value is far less important than our customer’s definition of value. We should focus on the areas where we can actually make a positive difference. Sell what we can sell and change what we can change. Let go of what we cannot sell or change. Each of these rules assumes that acquiring recognition and approval is a transactional exercise. Note the frequent reference to selling and customers. The implication is that we must sell our achievements and competence in order to have them recognized and appreciated by others. These Druckerisms not only endorse our need for approval, they emphasize that we can’t afford to be passive about it—not when our credibility is at stake.

It seems to me," he said, "that we as a society have come to overlook the second clause. We hear only 'Take what you want, says God'; nobody mentions a price, and when it comes time to settle the score, everyone's outraged. Take the national economic explosion, as the most obvious example: that's come at a price, and a very steep one, to my mind. We have sushi bars and SUVs, but people our age can't afford homes in the city where they grew up, so centuries-old communities are disintegrating like sand castles. People spend five or six hours a day in traffic; parents never see their children, because they both have to work overtime to make ends meet. We no longer have time for culture--theaters are closing, architecture is being wrecked to make way for office blocks. And so on and so forth." He didn't sound even mildly indignant, only absorbed. "I don't consider this anything to become incensed about," he said, reading my look. "In fact, it shouldn't be remotely surprising to anyone. We've taken what we wanted and we're paying for it, and no doubt many people feel that on balance the deal is a good one. What I do find surprising is the frantic silence that surrounds this price. The politicians tell us, constantly, that we live in Utopia. If anyone with any visibility ever suggests that this bliss may not come free, then that dreadful little man--what's his name? the prime minister--comes on the television, not to point out that this toll is the law of nature, but to deny furiously that it exists and to scold us like children for mentioning it. I finally had to get rid of the television," he added, a little peevishly. "We've become a nation of defaulters: we buy on credit, and when the bill comes in, we're so deeply outraged that we refuse even to look at it.

History favors the bold. Compensation favors the meek. As a Fortune 500 company CEO, you’re better off taking the path often traveled and staying the course. Big companies may have more assets to innovate with, but they rarely take big risks or innovate at the cost of cannibalizing a current business. Neither would they chance alienating suppliers or investors. They play not to lose, and shareholders reward them for it—until those shareholders walk and buy Amazon stock. Most boards ask management: “How can we build the greatest advantage for the least amount of capital/investment?” Amazon reverses the question: “What can we do that gives us an advantage that’s hugely expensive, and that no one else can afford?” Why? Because Amazon has access to capital with lower return expectations than peers. Reducing shipping times from two days to one day? That will require billions. Amazon will have to build smart warehouses near cities, where real estate and labor are expensive. By any conventional measure, it would be a huge investment for a marginal return. But for Amazon, it’s all kinds of perfect. Why? Because Macy’s, Sears, and Walmart can’t afford to spend billions getting the delivery times of their relatively small online businesses down from two days to one. Consumers love it, and competitors stand flaccid on the sidelines. In 2015, Amazon spent $7 billion on shipping fees, a net shipping loss of $5 billion, and overall profits of $2.4 billion. Crazy, no? No. Amazon is going underwater with the world’s largest oxygen tank, forcing other retailers to follow it, match its prices, and deal with changed customer delivery expectations. The difference is other retailers have just the air in their lungs and are drowning. Amazon will surface and have the ocean of retail largely to itself.

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

The Sun King had dinner each night alone. He chose from forty dishes, served on gold and silver plate. It took a staggering 498 people to prepare each meal. He was rich because he consumed the work of other people, mainly in the form of their services. He was rich because other people did things for him. At that time, the average French family would have prepared and consumed its own meals as well as paid tax to support his servants in the palace. So it is not hard to conclude that Louis XIV was rich because others were poor. But what about today? Consider that you are an average person, say a woman of 35, living in, for the sake of argument, Paris and earning the median wage, with a working husband and two children. You are far from poor, but in relative terms, you are immeasurably poorer than Louis was. Where he was the richest of the rich in the world’s richest city, you have no servants, no palace, no carriage, no kingdom. As you toil home from work on the crowded Metro, stopping at the shop on the way to buy a ready meal for four, you might be thinking that Louis XIV’s dining arrangements were way beyond your reach. And yet consider this. The cornucopia that greets you as you enter the supermarket dwarfs anything that Louis XIV ever experienced (and it is probably less likely to contain salmonella). You can buy a fresh, frozen, tinned, smoked or pre-prepared meal made with beef, chicken, pork, lamb, fish, prawns, scallops, eggs, potatoes, beans, carrots, cabbage, aubergine, kumquats, celeriac, okra, seven kinds of lettuce, cooked in olive, walnut, sunflower or peanut oil and flavoured with cilantro, turmeric, basil or rosemary ... You may have no chefs, but you can decide on a whim to choose between scores of nearby bistros, or Italian, Chinese, Japanese or Indian restaurants, in each of which a team of skilled chefs is waiting to serve your family at less than an hour’s notice. Think of this: never before this generation has the average person been able to afford to have somebody else prepare his meals. You employ no tailor, but you can browse the internet and instantly order from an almost infinite range of excellent, affordable clothes of cotton, silk, linen, wool and nylon made up for you in factories all over Asia. You have no carriage, but you can buy a ticket which will summon the services of a skilled pilot of a budget airline to fly you to one of hundreds of destinations that Louis never dreamed of seeing. You have no woodcutters to bring you logs for the fire, but the operators of gas rigs in Russia are clamouring to bring you clean central heating. You have no wick-trimming footman, but your light switch gives you the instant and brilliant produce of hardworking people at a grid of distant nuclear power stations. You have no runner to send messages, but even now a repairman is climbing a mobile-phone mast somewhere in the world to make sure it is working properly just in case you need to call that cell. You have no private apothecary, but your local pharmacy supplies you with the handiwork of many thousands of chemists, engineers and logistics experts. You have no government ministers, but diligent reporters are even now standing ready to tell you about a film star’s divorce if you will only switch to their channel or log on to their blogs. My point is that you have far, far more than 498 servants at your immediate beck and call. Of course, unlike the Sun King’s servants, these people work for many other people too, but from your perspective what is the difference? That is the magic that exchange and specialisation have wrought for the human species.

I have almost five hundred dollars saved.” Alison spoke slowly and deliberately. This time Laura did pull away. “Five hundred dollars?” Her eyes were incredulous. “How did you ever save that much?” Then, before Alison could answer, Laura’s eyes widened again and she let out a faint squeal. Mom half-turned to the back again, and Alison could tell that Laura was fighting to keep a normal look about her. After Mom had resumed her road watching, Laura finally spoke. “Just think of all the things we can buy on vacation,” she spouted. “Cotton candy at the carnival, model horses, saltwater taffy, postcards…We can even ride all the rides, more than once!” Alison shook her head and sighed again. “Let me remind you that this isn’t your money.” “It is if you want me to keep it a secret,” Laura challenged. “Why, you little rat!” “Well, it’s mostly yours,” Laura conceded. Alison rolled her eyes in exasperation. If she hadn’t needed her sister on her side she’d have been tempted to rap her. She tapped Laura on the top of her red head. “Think about it,” she prodded. “What could we buy with five hundred dollars?” All at once a light filled Laura’s eyes. All right, Alison thought. Laura is finally awake! “A pony!” The words slid from Laura in a hiss. “Are you going to buy a pony at the Pony Penning auction?” This time it was Alison who settled back smugly in her seat. “Every year we ask Mom and Dad, and every year they say we can’t afford one,” she said softly. “Now I have the money. How can they possibly say no?

These people are cold, Penelope. That’s what I’m trying to tell you. They think a neighborhood is only about what you can buy—fancy coffee, flowers on the table, a big old house. It’s all just stuff to them, stuff they want, stuff they think they deserve because they can afford it. A neighborhood means more than that. It’s about the people.

Developing a business depends on many factors. But you should basically understand the exchange between value. In other words, you must provide value to receive equal value. If you look at single people, you can see that they can’t provide any value – they don’t smile, dress, talk or behave in a way that makes others want to spend time, much less a life, with them. Relationships and Business are not much different. In a business, people know that appearance and the way you talk to a costumer is as important as the value of your product, and that’s why brands sell, even when their products have no quality. For example, in shopping malls you can see shops packed with people buying clothes that have no value and will be ruined or out of fashion very soon, because the brand is selling an image, not quality anymore. China, on the other hand, managed to compete in the world markets by reducing price over quality, and is now paying the price of a very bad reputation, as most people don’t trust Chinese brands anymore. This is already impacting the economy, so I don’t know what will happen in the next years. It’s all in the hands of the politicians and the internationalization of the companies. And yet, I just said this to explain the relation between value and product. But here’s another example. I tried to share what I know about Learning with Teachers, Parents and Psychologists, and nobody cared. Besides, what I earned in helping children with learning disabilities was a very low payment, and I had to quit that as I couldn’t afford to pay an apartment and daily expenses with such job. However, there are people making thousands of dollars with drugs that have no effect, toilets for cats and pet-rocks. In other words, is never about what the world needs but what the world wants.

Developing a business depends on many factors. But you should basically understand the exchange between value. In other words, you must provide value to receive equal value. If you look at most singles, you can see that they can’t provide any value – they often don’t smile, dress, talk or behave in a way that makes others want to spend time, much less a lifetime, with them. Relationships and businesses are not much different. In a business, people know that appearance and the way you talk to a costumer is as important as the value of your product, and that’s why brands sell, even when their products have no quality. For example, in shopping malls you can see shops packed with people buying clothes that have no value and will be ruined or out of fashion very soon, because the brand is selling an image, not quality anymore. China, on the other hand, managed to compete in the world market by reducing price over quality, and is now paying the cost of a very bad reputation, as most people don’t trust Chinese brands anymore. This is already impacting the economy, so I don’t know what will happen in the next years. It is all in the hands of the politicians and the internationalization of the companies. And yet, I just said this to explain the relation between value and product. But here’s another example: I tried to share what I know about learning with teachers, parents and psychologists, and nobody cared. Besides, what I earned in helping children with learning disabilities was a very low payment, and I had to quit that as I couldn’t afford to pay an apartment and daily expenses with such job. However, there are people making thousands of dollars with drugs that have no effect, toilets for cats and pet-rocks. In other words, it is never about what the world needs but what the world wants.

to scare them away. Wisely her thoughts around Ryder she kept to herself. When she’d finished speaking, Davy said, ‘Well, firstly I have no doubt, from what you’ve told me, that someone did follow you home.’ Lily sighed with relief that her husband believed her and didn’t consider her to be foolish. ‘Also, I wouldn’t put it past Aunt Maud to do something like that. However, without being certain it was her, there’s not much we can do. Even if we were to up and move, Lily, Maud wouldn’t be able to move into the house, as it would be up for sale and she couldn’t afford to buy it.’ Lily saw the sense of his words and nodded. ‘Having said all that, I’m taking no chances. Tomorrow morning I will hire a cabbie to take you to Webb’s and bring you home in the evenings.’ ‘Thank you,’ Lily said as she smiled. Feeling relieved, she went to the kitchen to prepare their dinner. As she set the kettle to boil, Lily’s mind transported her back. She’d

How Much Money Can We Afford To Give To Charity? Knowing how much money you can safely give to charity is challenging for everyone. Who doesn’t want to give more to make the world a better place? On the other hand, no one wants to become a charity case as a result of giving too much to charity. On average, Americans who itemize their deductions donate about three or four percent of their income to charity. About 20% give more than 10% of their income to charity. Here are some tips to help you find the right level of donations for your family: You can probably give more than you think. Focus on one, two or maybe three causes rather than scattering money here and there. Volunteer your time toward your cause, too. The money you give shouldn’t be the money you’d save for college or retirement. You can organize your personal finances to empower you to give more. Eliminating debt will enable you to give much more. The interest you may be paying is eating into every good and noble thing you’d like to do. You can cut expenses significantly over time by driving your cars for a longer period of time; buying cars—the transaction itself—is expensive. Stay in your home longer. By staying in your home for a very long time, your mortgage payment will slowly shrink (in economic terms)with inflation, allowing you more flexibility over time to donate to charity. Make your donations a priority. If you only give what is left, you won’t be giving much. Make your donations first, then contribute to savings and, finally, spend what is left. Set a goal for contributing to charity, perhaps as a percentage of your income. Measure your financial progress in all areas, including giving to charity. Leverage your contributions by motivating others to give. Get the whole family involved in your cause. Let the kids donate their time and money, too. Get your extended family involved. Get the neighbors involved. You will have setbacks. Don’t be discouraged by setbacks. Think long term. Everything counts. One can of soup donated to a food bank may feed a hungry family. Little things add up. One can of soup every week for years will feed many hungry families. Don’t be ashamed to give a little. Everyone can do something. When you can’t give money, give time. Be patient. You are making a difference. Don’t give up on feeding hungry people because there will always be hungry people; the ones you feed will be glad you didn’t give up. Set your ego aside. You can do more when you’re not worried about who gets the credit. Giving money to charity is a deeply personal thing that brings joy both to the families who give and to the families who receive. Everyone has a chance to do both in life. There Are Opportunities To Volunteer Everywhere If you and your family would like to find ways to volunteer but aren’t sure where and how, the answer is just a Google search away. There may be no better family activity than serving others together. When you can’t volunteer as a team, remember you set an example for your children whenever you serve. Leverage your skills, talents and training to do the most good. Here are some ideas to get you started either as a family or individually: Teach seniors, the disabled, or children about your favorite family hobbies.

Developing a business depends on many factors. But you should basically understand the exchange between value. In other words, you must provide value to receive equal value. If you look at single people, you can see that they can’t provide any value – they don’t smile, dress, talk or behave in a way that makes others want to spend time, much less a life, with them. Relationships and Business are not much different. In a business, people know that appearance and the way you talk to a costumer is as important as the value of your product, and that’s why brands sell, even when their products have no quality. For example, in shopping malls you can see shops packed with people buying clothes that have no value and will be ruined or out of fashion very soon, because the brand is selling an image, not quality anymore. China, on the other hand, managed to compete in the world markets by reducing price over quality, and is now paying the price of a very bad reputation, as most people don’t trust Chinese brands anymore. This is already impacting the economy, so I don’t know what will happen in the next years. It’s all in the hands of the politicians and the internationalization of the companies. Actually, that’s why this Chinese government sends its companies to other countries. And yet, I just said this to explain the relation between value and product. But here’s another. I tried to share what I know about Learning with Teachers, Parents and Psychologists, and nobody cared. Besides, what I earned in helping children with learning disabilities was a very low payment, and I had to quit that as I couldn’t afford to pay an apartment and daily expenses with such job. However, there are people making thousands of dollars with drugs that have no effect, toilets for cats and pet-rocks. In other words, is never about what the world needs but what the world wants.

With superior sentience, come superior screw-ups. And this holds particularly true for industrialization. Even if we put aside carbon emission, in the year 2020 alone humankind has produced over 2 billion tonnes of trash, which is expected to rise over 70% by the year 2050. Thus, in the name of progress we the gadget-mad gargoyles keep acting as the true eco-terrorists of the glorious dumping ground, called the planet earth. 2% of all our waste is e-waste. And the alarming bit here is that, that 2% e-waste comprises over 70% of our overall toxic waste. So, what can you do, you ask? Simple - reject less, repair more. Try to make things last as long as possible, or pass them on to those who have need for them. Don't let things go to waste, just because you can afford new ones. For example, my kid cousin's laptop has been acting up for some time now. But instead of buying them a new pc, I ordered the replacement for the faulty part and repaired the laptop myself. This way, we not only reduce our e-waste footprint on the planet, but in the process, we teach kids to value things. The point is, whether you do it yourself or get it done by a professional, by practicing repair, you are actively participating in the making of a greener, cleaner and healthier world. It's not enough to be just a consumer, you gotta be a conscious consumer, otherwise there is no difference between a consumer and a slave. That is why, right-to-repair is not only a human rights issue, it is also an environmental issue. Repairing and recycling are the bedrock of sustainability. So I say again - reject less, repair more.

Cash For Cars Removal - How Can It Save You Money? Cash for cars removed in Cash for Scrap Cars Removal is an excellent way to take the burden of disposal off your mind and have your car properly disposed of. Car removal companies remove cars that are not being resold or who don't meet environmental standards for disposal. They pay you the money for your car's value directly to the company, and then remove it at no cost to you. Cash for cars removal companies typically do not take responsibility for vehicle damage during the process of taking your car away. They also will not pay to get your car back if they discover that your vehicle does not meet their criteria for taking it away. Cash for Car Removal offers two methods of payment. Methods of payment are chosen based on the needs of the individual company and what the business can afford. Methods of payment generally range from a lump sum payment to monthly payments. If you pay in monthly installments, from Cash for Cars Bundall your car will be removed several weeks before your next payment due date. When you pay in lump sum, your car removal company will pay all necessary charges to your bank. This means you won't have any hidden fees. There are many advantages to hiring Cash for Cars Removal. Some of the advantages include the following: Cash for Car Removal companies offer environmentally friendly services for people who need to sell their used cars or vehicles, but do not have the money to purchase new ones. If your car or vehicle has certain cosmetic damage that prevents you from reselling it, you might qualify for a Cash for Cars Removal service. The removal companies also work in partnership with junk yards and dispose of old vehicles there, as well as storing vehicles temporarily while owners who qualify for bankruptcy are given another chance to start over. Cash for Car Removal also has an agreement with the city of New York to pick up and remove automobiles that have been ticketed or convicted of city driving laws. Not only are these individuals given another chance to start over with their lives, but the cars are also sent off to the junk yard or storage facility so they can be recycled and sold again. Before you get started, ensure that you do not have any outstanding tickets, unpaid taxes, liens, or other legal problems that may prevent you from getting Cash for Cars Removal. Cash for Car Removal offers safe and secure pick up and drop off locations for individuals who have valid licenses and insurance to drive vehicles. They work in partnership with various banks to provide the safest and most reliable finance-oriented services around. Cash for Car Removal is committed to helping individuals buy or sell used cars that meet their financial needs and do not pose any financial or environmental problem. Cash for Car Removal services are provided by many different nationwide junk car removal companies, as well as independent contractors. When you contact a Cash for Cars Removal company, make sure you're working with a reputable company that has years of experience dealing with every type of situation. Cash for Car Removal has been at the forefront in providing the most eco-friendly and convenient ways to remove your unwanted vehicles from your home or business. Using a Cash for Cars Removal company allows you to spend your time elsewhere instead of being stuck in a high traffic area. Cash for Car Removal gives customers a choice between paid removal and free pick up. The cost of each service is based on the amount of vehicles to be removed, the distance the vehicle is removed, and how many will be dropped off at each point. When used correctly, a Cash for Cars Removal service can save you hundreds of dollars and hours of unnecessary driving.

They think a neighborhood is only about what you can buy—fancy coffee, flowers on the table, a big old house. It’s all just stuff to them, stuff they want, stuff they think they deserve because they can afford it. A neighborhood means more than that. It’s about the people.

reward system But there’s a reward system you can use to keep yourself motivated. Here are some suggestions: Buy yourself an advent calendar, and for each day you don’t look at his profile or engage with him in any capacity, enjoy the treat for that day. If you can’t afford an advent calendar or can’t find one in the shops, make yourself a journal – on each successful day, write something amazing about yourself, and on a day where you did trip up, write something that reminds you of why you started doing this thirty-day challenge. Getting into the habit of saying nice things about yourself prepares you to become so used to compliments that you aren’t dangerously swooned when others recognise your greatness. Every ten days that pass without you breaking the rule, take yourself on a really nice solo date to an upscale bar, or your favourite club or restaurant, and imagine the room is full of men who are all waiting to be picked by you, the goddess. For even spicier results, wear something red so you feel even sexier. Getting into the habit of going out to bars and social environments alone will not just put you in a position of meeting new people, it will also quell your fear of being alone. There’s nothing more powerful than a woman who knows how to hold her own in a room full of strangers. Or, if you feel ready, each time you make it to the ten-day mark, why don’t you try practising your new confidence on your dating apps and let yourself be taken out? By the time the thirty-day window ends, you will have gone on three different dates with three new guys, which will significantly lower the hype around the man you’ve been thinking of. You never know: one of these guys could end up being far more interesting, way hotter and maybe even richer. As you get closer to the end of the thirty-day period, why not have a spa booked to mark the last day? It will be a period of reflection, relaxation, and remembering how far you’ve come within just a month of leaving a situation that could have dragged your life in a completely different direction. You deserve to meet the woman you’re destined to become: take the time to do so. Set a reminder on your phone every couple of days that says ‘It’s time to finally choose yourself for once. Don’t let him win!’ When it gets hard, ask yourself: At what point will I be the victor here? When will I finally walk away with my head held high? This must end at some point – why not now?

It was not within the power of Dagny’s consciousness ever to understand that plea or to know what response Lillian had hoped to find; she knew only that she had not found it, when she heard the sudden shrillness of Lillian’s voice: “Have you understood me?” “Yes.” “Then you know what I demand and why you’ll obey me. You thought you were invincible, you and he, didn’t you?” The voice was attempting smoothness, but it was jerking unevenly. “You have always acted on no will but your own—a luxury I have not been able to afford. For once and in compensation, I will see you acting on mine. You can’t fight me. You can’t buy your way out of it, with those dollars which you’re able to make and I’m not. There’s no profit you can offer me—I’m devoid of greed. I’m not paid by the bureaucrats for doing this—I am doing it without gain. Without gain. Do you understand me?” “Yes.” “Then no further explanations are necessary, only the reminder that all the factual evidence—hotel registers, jewelry bills and stuff like that—is still in the possession of the right persons and will be broadcast on every radio program tomorrow, unless you appear on one radio program tonight. Is this clear?” “Yes.” “Now what is your answer?” She saw the luminous scholar-eyes looking at her, and suddenly she felt as if too much of her were seen and as if she were not seen at all. “I am glad that you have told me,” said Dagny. “I will appear on Bertram Scudder’s broadcast tonight.

One of the most expensive commodities a nation can have is a cheap labor force. From this a host of consequences leaped forth as inevitable. —If you get labor for almost nothing, you have no incentive to buy expensive tools and the quality of your product will lag behind that of nations who do use the best tools on the market. —If you keep your labor occupied on menial tasks that are best suited to machines, your work force never develops those skills that would earn you more income. —If you employ ten to do the work of one, none of the ten will work to maximum efficiency because each will realize that what he or she does isn’t significant. —If you don’t pay your labor good wages, how can they ever afford to buy what you make? You limit your potential market by 50 percent at least, and if every employer in the region pays the same low wages, your market can vanish altogether. —A nation’s wealth is generated when the money from wages is quickly spread around because this causes more goods to be produced, and real wealth consists in the making and interchange of goods. And then I made the discovery: ‘Ricardo was wrong. There is no fixed quantum of money in the world, or in any nation. The rich man doesn’t suffer deprivation when labor gets a bigger share, for that larger amount means a bigger total for him.’” —Chapter VII, “Ideas”, page 257-258

He advised her to “buy what you love and what you can afford.” So she became a collector.

DUI attorneys - an optimal economic use can at least get a lawyer! They have the same internal problem, because in a few of many, and the decision of inspiration lived Exceptional basically down to his account, unlike 50 other drunk drivers off the road imprisoned with others. Are there any methods in the direction of the position of the beam with no frills package? If the low cost of DUI lawyers always an option. The second is likely to occur through far-reaching consequences and may well end up with the challenges of their existence when their own without electricity only in the sense that the positive aspects of endurance to the owner, if possible. On its own as a simple package needs, so from time to time out my cortex consists of a small lawyer in order to obtain this package. Financial DUI lawyers are not very good, but usually less severe, as a rule. This does not apply toward the fork means are a lawyer, but if you can contact the person DUI attorneys flights on their own achieve anything dollars. It is important to you decide to buy a fair lawyer and a personal call to a positive transformation many other wonderful package. If you are alone in the direction of movement towards peace with a lawyer who not receive wide acceptance turns out exactly what it is to be effective in an affordable package, and only then be able to move well, and that their own independence in hand, you will get regular consequences for the country. This could years in prison, location, service, lunatic and are essential. Sam, because of a terrible lawyer.

The dressmakers have just arrived from Shylon; they are coming here to display their goods.’ ‘Really, that’s lovely.’ ‘I was wondering if I could have some money, please.’ ‘What’s the point in having your own money if you’re just going to spend mine?’ ‘Yeah, but the amount of dresses I’m planning to buy, I might not have enough.’ ‘Then buy an amount you can afford.’ Ratilla responded bearing an expression of incredulity. ‘Oh Rat.’ Tizi said as she pouted, conjuring a mournful expression. ‘I just want to look pretty, what will they say if the wife of the Imperial Chancellor is clothed in rags? I’m only trying to play my part as the wife of the great Ratilla.’ Tizi said, her eyes full of misery, as Ratilla shook his head and chuckled.

Just a damn minute,” Caleb barked, bringing her up short with a quick grasp on her elbow. “Where do you think you’re going?” “To my brother’s home,” Lily replied, her chin high. “Kindly unhand me, Major. If you don’t, I’ll scream.” Reluctantly Caleb let go of Lily’s arm. He swept his hat off his head and then put it back on again in a single furious motion. “I want to know what you’re doing here,” he hissed, keeping up with Lily’s short strides easily when she set out for Rupert’s home. Wagons and buggies rattled by on the brick street, and Lily indulged in a secret smile. “I’ve become a woman of means, Caleb,” she said, still walking briskly. By that time he’d taken her valise, so she swung her arms at her sides. “I’m going to buy all the things I need to homestead my land.” “That’s crazy. Who’s going to protect you from Indians and outlaws?” “I am,” Lily answered without pause, though inside she didn’t feel so confident. “I suppose I’ll marry one day, though.” Caleb swore softly. “Fine. Marry anybody you want to,” he snapped. “Thank you,” Lily replied in a dulcet tone. “I will.” She turned onto a side street, and her spirits lifted because she could see Rupert’s small house in the distance. “Tell me where you got the money for this harebrained project!” Caleb demanded. Lily looked up at him out of the corner of her eye. “I sold myself to every man on the post,” she whispered. “I let them do everything you’ve ever done.” Caleb was practically apoplectic. “I’m warning you, Lily Chalmers—” “Of what?” Just as Lily would have entered Rupert’s front gate Caleb caught hold of her again. He dropped the valise to the ground and gripped her by both shoulders. “Tell me.” Lily sighed. “I don’t know exactly where the money came from, Caleb,” she said moderately. “My mother sent it. Apparently her circumstances improved considerably after she got rid of us. Now, since I’ve answered your question—and may I say it was none of your business in the first place—will you stop carrying on in public?” Caleb glowered at her and let go of her arm. “We have to talk.” Lily worked the gate latch. “Why?” “Because when you go in there you’re going to find out that I’ve been here asking questions, that’s why.” Lily’s hand froze in midair. “What?” “I’ve hired a Pinkerton man to look for your sisters, Lily.” Lily was stunned. “I told you—” “That you didn’t want to be obligated. I know. But I wanted to do this for you, and I can afford it, so I went ahead.” Before

I want the same things out of life you do,” I admit. “I just go about them in a different way. You adapt to your environment, I adapt to mine.” I put my hand back on hers. “Let me show you I’m different. Oye, would you ever date a guy who couldn’t afford to take you to expensive restaurants and buy you gold and diamonds?” “Absolutely.” She slips her hand out from under mine. “But I have a boyfriend.” “If you didn’t, would you give this Mexicano a chance?” Her face turns a deep shade of pink. I wonder if Colin ever makes her blush like that. “I’m not answering that,” she says. “Why not? It’s a simple question.” “Oh, please. Nothing about you is simple, Alex. Let’s not even go there.” She puts the car in first gear. “Can we go now?” “Si, if you want. Are we cool?” “I think so.” I hold my hand out for her to shake. She eyes the tattoos on my fingers, then extends her hand toward mine and shakes it, her enthusiasm apparent. “To hand warmers,” she says with a smile on her lips. “To hand warmers,” I agree. And sex, I add silently. “Do you want to drive back? I don’t know the way.” I drive her back in comfortable silence while the sun sets. Our truce brings me closer to my goals: graduating, the bet…and something else I’m not ready to admit. As I pull her kick-ass car into the dark library parking lot, I say, “Thanks for, you know, lettin’ me kidnap you. I guess I’ll see you around.” Taking my keys out of my front pocket, I wonder if I’ll ever be able to afford a car that isn’t rusted, used, or old. After I step out of her car, I pull out Colin’s picture from my back pocket and toss it on the seat I just vacated. “Wait!” Brittany calls out as I’m walking away. I turn around and she’s right in front of me. “What?” She smiles seductively as if she’s wanting something more than a truce. Way more. Shit, is she gonna kiss me? I’m taken off guard here, which usually doesn’t happen. She bites her bottom lip, as if she’s contemplating her next move. I’m totally game to making out with her. As my brain goes through every scenario, she steps closer to me. And snatches my keys out of my hand. “What do you think you’re doin’?” I ask her. “Getting you back for kidnapping me.” She steps back and with all her might whips my keys into the woods. “You did not just do that.” She backs up, facing me the entire time, as she moves toward her car. “No hard feelings. Payback’s a bitch, ain’t it, Alex?” she says, trying to keep a straight face. I watch in shock as my chem partner gets into her Beemer. The car drives out of the lot without a jolt, jerk, or hitch. Flawless start. I’m pissed off because I’m going to have to either crawl around in the dark woods trying to find my keys or call Enrique to pick me up. I’m also amused. Brittany Ellis bested me at my own game. “Yeah,” I say to her even though she’s probably a mile away and can’t hear me. “Payback is a bitch.” ¡Carajoǃ

The next morning, Steve and John were sitting on the porch of the house, taking in the nice view—which was marred only by the sight of John’s 1984 Honda Civic, with 210,000 miles on it. “The paint was just sunburned off,” says Lasseter. “The seats were shot—I put T-shirts over them. Steve had driven up in their Jeep Cherokee. Now he knew the roads I had to drive on every day.” “Don’t tell me that’s your car,” Steve said. “Yeah, it is,” John told him. “You drive to and from Pixar on these roads in that car?” Steve said. Lasseter sheepishly nodded. “Okay. No, no, no, no. No, that just won’t do.” “Steve,” said Lasseter, “I’ve got to be honest, I can’t afford a new car right now. We just bought this house and it’s far more than we can afford. I just can’t do it now.” “I think what he was thinking,” Lasseter told me, “was, ‘Oh my God, I bet the farm on this guy, and he’s driving that crap car … if a truck hits him—dink!—he’ll be dead.’ ” “Okay,” Steve said, “we’ll figure something out.” When Lasseter got his next paycheck, it contained a small bonus. “You have to use this to buy a new car,” Steve told him. “It has to be safe, and I have to approve it.” John and Nancy picked out a Volvo, and Steve approved.

I am fortunate. For instance my house and shop cost me a little over three hundred dollars….”   “Three hundred dollars?” Dennis asked shocked.   “Yes. In Cuba if you can afford to buy a house you buy it from the government. When you want to sell your house you sell it back to the government and they give you what you paid for it.”   “Oh I see and of course the extra you’ve made in profit.”   “No senor. You are not allowed to make money from the government. You only get back what you paid. Is this not the same in your country?”   “No definitely not. Many people have become very rich from property trading.”   “It is not so here. When I or my wife sell our house we will only get back what I paid. Did you know that Fidel Castro in 1960 forced all private property and foreign businesses to be nationalised, all banks, sugar and oil refineries.

How Does What We Eat Affect the Planet? The things you put on your fork have the power to affect not only your health, but also agricultural practices, climate change, and even our economy. One church member told us about Nigerian farmers he met who were given seed by a large agricultural company at a cheaper price than their regular seed, but then the seeds from that crop couldn’t be replanted. (They are designed that way.) The farmers then were forced to buy the seed from the same company at a higher price the next year and eventually couldn’t afford to farm. This pattern of industrial agricultural practices not only has impacted the quality of the food you eat, but also creates hunger in little children in Africa. When you stop buying industrial food, it has an enormous ripple effect. The power of your fork can change the world. When it comes to our health and the health of the planet, we have a lot more to learn and study, but we don’t need all the answers in order to take action. We can each make choices to buy more whole foods, sustainably raised animals, locally grown produce, and more. Just as we’ve learned that certain fats are good for us and others are destructive, we can learn what agricultural and food practices are best for us too.

When We Should Not Rush into Anything It is not good for a soul to be without knowledge, and he sins who hastens with his feet. PROVERBS 19:2 FAR TOO OFTEN a hasty decision made without enough knowledge, thought, or prayer has gotten a husband and wife into trouble. And when one spouse is guilty of making that hasty decision over the objections of the other, it can cause serious friction between them. How many times have we, or someone else we know, done something that “seemed like a good idea,” but it only seemed like a good idea because God was never consulted? The book of Proverbs says, “He who troubles his own house will inherit the wind” (Proverbs 11:29). Doing foolish and impulsive things troubles a spouse, which definitely troubles the house. If you or your husband has ever rushed into anything without proper consideration, without praying enough about it until you had the leading of the Lord, without talking it out between you, or without gathering all the knowledge and information you needed on the subject, this may have become a prelude to trouble in your house. In fact, it can break down trust in a marriage to the point that it becomes irreparable in the eyes of the spouse who is the sensible one. No one will continually pay the price for a spouse who does impulsive or irresponsible things that can jeopardize their future. At some point it becomes too much to bear. Pray this doesn’t happen to you. Ask God to give you and your husband wisdom in all things. Pray that neither of you ever hastily rushes into something that may be out of God’s will for your life. My Prayer to God LORD, I pray You would give my husband and me wisdom, knowledge, and understanding so that we don’t make hasty decisions without first seeking You for direction. If either of us is ever about to do something like that at any time, I pray You would give us such clear revelation that it stops us in our tracks before we make a serious mistake. Help both of us to never trouble our house by being impulsive and quick to cater to what we think is right instead of waiting to hear from You so that we do what we know is right. Don’t let us get off the path You have for us by taking even one step in the wrong direction that will lead to problems for us later on. Pull us back from our own way and help us live according to Yours. Keep us from pursuing our own desires over Your will. Wake us up to the truth whenever we have willfully stepped into the path of deception. Keep us from buying something we cannot afford, or committing to something we are not supposed to do, or investing time and money in something You will not bless. Keep our eagerness to have something from controlling our decisions. Give us wisdom, and let our good judgment lead us in the right way. Enable us to have a calm, sensible, Spirit-led approach to every decision we make. In Jesus’ name I pray.

give me your cell phone" "What for?" "So i could admire the fine technology a human woman can afford to buy." He held out his hand. "I want to give you my phone number. What did you think?

By what standards do I determine what is necessary? 2. Do I collect unneeded things? Do I hoard possessions? 3. May I, on Gospel principles, buy clothes at the dictates of fashion designers in Paris and New York? Am I slave to fashion? Do I live in other peoples’ minds? Why really do I have all the clothes I have: shirts, blouses, suits, dresses, shoes, gloves? 4. Am I an inveterate nibbler? Do I eat because I am bored? Do the weight charts convict me of superfluity in eating and drinking? Do I take second helpings simply for the pleasure they afford? 5. Do I keep unneeded books and papers and periodicals and notes? 6. Do I retain two or three identical items (clocks, watches, scarves) of which I really need only one? 7. Do I spend money on trinkets and unnecessary conveniences? 8. In the winter, do we keep our thermostat at a setting higher than health experts advise: 68 degrees? 9. When I think of my needs, do I also think of the far more drastic needs of the teeming millions in the third world? 10. Do I need the traveling I do more than the poor need food and clothing and medical care? 11. Am I right in contributing to the billions of dollars spent each year on cosmetics? How much of this can be called necessary? 12. Is smoking necessary for me? 13. Is drinking necessary for me? 14. Do I need to examine exactly what I mean by saying to myself, “I need this”? 15. Can I honestly say that all I use or possess is used or possessed for the glory of God (1 Cor 10:31)? Would he be given more glory by some other use? 16. Do I in the pauline sense “mind the things above, not those on earth” (Col 3:1-2)?

I went to see the house. (...) The place was a squat—thirty-five heroin addicts were living there. The chaos was palpable. It smelled like dog shit, cat shit, piss. (...) One floor was literally burned—it was nothing but charred floorboards with a toilet sitting in the middle. This place looked terrible. “How much?” I asked. Forty thousand guilder, they told me. They clearly just wanted to dump this house. But if you bought it, you were also getting the heroin addicts who were squatting in it, and under Dutch law, it was all but impossible to get them out. For any normal human being to buy this place would be like throwing money out the window. So I said, “Okay, I’m interested.” I talked about it with my friends. “You’re nuts,” they said. “It’s not money you have—what the hell are you going to do?” ...A drug dealer [had] bought the place. But he didn’t pay the mortgage. And he didn’t pay and he didn’t pay, and finally he was in such financial trouble that he decided to burn the place down for the insurance. Except that the fire was stopped in time and only the one floor was damaged. And then the insurance investigator found that the drug dealer had done it intentionally, and the bank took the house away from him. And this was how it turned into a squat for heroin addicts. “But where is this guy?” I asked. “He’s still living in the house,” the neighbor told me. This house had two entrances. One went to the first floor and the other to the second. The door with the board across it was the entrance to the first floor, where I’d already been; the drug dealer was living on the second floor. So I went around and knocked on the door, and he answered. “I want to talk to you,” I said. He let me in. There was a table in the middle of the floor, covered with ecstasy, cocaine, hashish, all ready to go into bags. There was a pistol on the table. This guy was bloated—he looked like hell. And suddenly I poured my heart out to him. I told him everything... I said that this house was what I wanted—all I wanted—the only home I could afford with the little money I had. I was weeping. This guy was standing there with his mouth open. He stood there looking at me. Then he said, “Okay. But I have a condition.” “This is my deal. I’ll get everybody out; you’ll get your mortgage. But the moment you sign the contract and get the house, you’re going to sign a contract that I can stay on this floor for the rest of my life. That’s the deal. If you cross me...” He showed me the pistol. It was in a good neighborhood, where a comparable place would sell for forty to fifty times the price. And [now] it was empty—not a heroin addict in sight. I got a mortgage in less than a week. But now, since my bank knew the house was empty, Dutch law gave them the right to buy the house for themselves. So I went back to the drug dealer and said, “Can we get some addicts back into the place? Because it’s too good now.” “How many you want?” he asked. “About twelve,” I said. “No problem,” he said. He got twelve addicts back. I took curtains I found in a dumpster and put them on the windows. Then I scattered some more debris around the place. Now all I had to do was wait. My contract signing was two weeks away—it was the longest two weeks in my life. Finally the day came... and I walked into the bank. The atmosphere was very serious. One of the bankers looked at me and said, “I heard that the unwanted tenants have left the house.” I just looked at him very coolly and said, “Yeah, some left.” He cleared his throat and said, “Sign here.” I signed. “Congratulations,” the banker said. “You’re the owner of the house.” I looked at him and said, “You know what? Actually everybody left the house.” He looked back at me and said, “My dear girl, if this is true, you have just made the best real-estate deal I’ve heard of in my twenty-five-year career.

Look around you. What’s it taught Negroes to do? All this Christianity? Nothing, nothing that could benefit them. All it’s taught Negroes to do is bow their heads to Mr. Charlie, buy bleach creams, straighten their hair, buy a Cadillac car that they can’t afford, and follow some white Jesus to a mythical place called heaven.

How right you are! Nowadays all that a high-spirited gentleman can do to mend his fortune is to write a best-seller.’ ‘Is that what you’re doing?’ Mr. Wade nodded gravely. ‘I haven’t really got down to it yet but it shouldn’t be too difficult.’ ‘I should think it might be very difficult indeed.’ ‘Not if you go about it properly. Obviously the right way to begin is to buy all the best-sellers and study them carefully.’ ‘A best-seller must be original, Mr. Wade.’ ‘You dismay me, Mrs. Wentworth,’ he declared. ‘I have laid out money I can ill afford on these books; surely if I study them carefully I shall discover what it is that makes them sell like hot cakes.’ I couldn’t help laughing. ‘Why not make hot cakes?’ I suggested.

Investor: “Great! Now, I know we talked about the fact that you want $110,000 for the house. I already mentioned that I’d be purchasing your house as an investment, and unfortunately, I just can’t afford to pay that much and still be able to make a profit on the deal. But, here’s what I can do. I can either pay you $90,000 in cash for the property or I can pay you $100,000 if you’re willing to owner finance the sale. That means we would complete the sale in ten days, but you would wait six months to collect your $100,000. Which of those options would you prefer?” At this point, if you’ve done a good job of selecting your offer prices (e.g., you weren’t too generous), there is a good chance the seller isn’t going to accept either of those offers without some additional negotiation. The good news is that we’ve gotten the seller to implicitly agree to all the other terms and contingencies in the contract. Not only that, but we’ve now given the seller two options for the sale price, and his response to your final question (“Which of those options would you prefer?”) will give insight into which direction the negotiation goes.

I still want the normal guy to be able to purchase our equipment. It shouldn’t be a $1,000 bar no one can afford. You should be able to buy it for your garage and have it last forever,” Henniger says. He lines up a series of what he calls “bad bars”—ranging from $200 to $1,200—alongside Rogue’s standard $290 barbell, and points out every flaw or evidence of sloppy construction in his competitors’ products. “If you put our bar against a $1,000 bar, our specs are as high as a $1,200 bar. It debunks the myth that you need to charge $1,200. I want a lot of people to have them.

The next time you go to the supermarket, look closely at a can of peas. Think about all the work that went into it—the farmers, truckers, and supermarket employees, the miners and metalworkers who made the can—and think how miraculous it is that you can buy this can for under a dollar. At every step of the way, competition among suppliers rewarded those whose innovations shaved a penny off the cost of getting that can to you. If God is commonly thought to have created the world and then arranged it for our benefit, then the free market (and its invisible hand) is a pretty good candidate for being a god. You can begin to understand why libertarians sometimes have a quasi-religious faith in free markets. Now let’s do the devil’s work and spread chaos throughout the marketplace. Suppose that one day all prices are removed from all products in the supermarket. All labels too, beyond a simple description of the contents, so you can’t compare products from different companies. You just take whatever you want, as much as you want, and you bring it up to the register. The checkout clerk scans in your food insurance card and helps you fill out your itemized claim. You pay a flat fee of $10 and go home with your groceries. A month later you get a bill informing you that your food insurance company will pay the supermarket for most of the remaining cost, but you’ll have to send in a check for an additional $15. It might sound like a bargain to get a cartload of food for $25, but you’re really paying your grocery bill every month when you fork over $2,000 for your food insurance premium. Under such a system, there is little incentive for anyone to find innovative ways to reduce the cost of food or increase its quality. The supermarkets get paid by the insurers, and the insurers get their premiums from you. The cost of food insurance begins to rise as supermarkets stock only the foods that net them the highest insurance payments, not the foods that deliver value to you. As the cost of food insurance rises, many people can no longer afford it. Liberals (motivated by Care) push for a new government program to buy food insurance for the poor and the elderly. But once the government becomes the major purchaser of food, then success in the supermarket and food insurance industries depends primarily on maximizing yield from government payouts. Before you know it, that can of peas costs the government $30, and all of us are paying 25 percent of our paychecks in taxes just to cover the cost of buying groceries for each other at hugely inflated costs. That, says Goldhill, is what we’ve done to ourselves. As long as consumers are spared from taking price into account—that is, as long as someone else is always paying for your choices—things will get worse.

I can't afford it.” You immediately respond by saying, “That’s exactly why you should buy it.!” The prospect will react with surprise. “ What? How do you mean?

There wasn’t anything Lincoln wanted that he couldn’t afford. What did he really want, anyway? To buy new books when they came out in hardback. To not have to think about how much money was in his wallet when he was ordering dinner. Maybe new sneakers …And there wasn’t anything he wanted to do that he couldn’t make time for. What did he have to mope about, really? What more did he want? Love, he could hear Eve saying. Purpose. Love. Purpose. Those are the things that you can’t plan for. Those are the things that just happen. And what if they don’t happen? Do you spend your whole life pining for them? Waiting to be happy?

Train the consumer to consume temporary fillers. Tell her to collect the tokens that assure her that she has what she needs. Tell her to seek joy in learning that home remedy, buying that decoration, rearranging that schedule, enrolling her kids in that program, or building herself up into the image that she wants to embody. All of those things are easy enough to do if you have enough money, discipline, time, energy, or earthly resources. But there’s a catch: collecting the tokens and living by the lie that your image will give you the peace you crave will only satisfy you for a moment. And then you need another fix. Idols need dusting and maintaining. They always leave you wanting something more, something better, something new, or something your neighbor has. Consuming, we are consumed. When the gods of this world leverage our needs and redirect our hope away from God himself, they indirectly hinder our obedience to the Great Commission. How many missionaries have been held back by consumerism’s short leash? (We can’t afford to go.) How many of our giving budgets have been strangled by consumerism’s shortsighted vision? (We can’t afford to give.) How many of our families have been capped by consumeristic spending forecasts? (We can’t afford to grow.) We need the promises of Jesus to drown out the siren song of consumerism. He’s given missional moms his anchoring promise to hold us fast: “And behold, I am with you always, to the end of the age” (Matt. 28:20). Will we trust him more than we trust our stuff?

Happiness is not quite about always getting what you want, or about buying stuff which you can afford, or even about being understood, recognized and celebrated by those around you. There will always be times in Life when you won’t get what you want, when you can’t even afford what you think are the basics and when you will imagine that the whole world is conspiring against you. Happiness is a decision. It is your decision. When you decide to be happy, the circumstances don’t matter. Happiness, then, is to be accepting of the Life you have, while celebrating it for what it is, and learning to be non-worrying, non-frustrated and non-suffering.

Looking for a mortgage loan? One of the biggest purchases you make in life is buying your own home. This tends to involve taking out a mortgage loan, and it's important that you know how much you can afford to pay each month. Consult with us today and see what mortgage product is best for you.

Politicians continued their mantra, saying that Americans were much too smart to be fooled! As a nation we believed this nonsense. However, as a people, we had no idea what was happening and, even worse, we didn’t know to what extent the depression would affect us. The major problem was that the wealth of the nation was spread unevenly, with the rich getting richer and the poor being abused. A vast difference developed between the country’s productive capacity and the ability of the people to purchase manufactured products. In other words, the consumer base had been eroded to the point where Americans could no longer afford to buy the necessities of life, thus ending the need to manufacture things. As factories closed and people were laid off, the downhill spiral became complete. Everybody was left wondering what had happened to the country that had promised them an opportunity to have a better life than their parents had had. The 1930’s became the most difficult years that the United States had ever had to face economically, and the people we had entrusted with political power and our welfare, caved in to special interest groups. Rudy Vallée typified the era as he sang songs such as Brother, Can You Spare a Dime and Life Is Just a Bowl of Cherries, through his handheld megaphone. The dances of the day were the Charleston and the Peabody and, if you believed the film industry, everyone was doing them. Hollywood provided a fleeting escape from reality. That is, if you could afford the price of admission to the theaters that had just opened in almost every hamlet in the country.

Your subconscious mind does not argue with you. It accepts what your conscious mind decrees. If you say, "I can't afford it," it may be true, but do not say it. Select a better thought, decree, "I'll buy it. I accept it in my mind.

Right now the third world countries are too poor for most western nations to care about. This is where Korean has a peculiar, unreproducible advantage over ever single other national that has been a global pop culture power: it was once a third world country. Thus Korea understands the stages of other nations' development; it has carefully studied these cultures to determine what kinds of "K-culture" products would be most favored there. And Korean economists are hard at work gauging the rate at which these nations will become wealthier and have purchasing power. You can bet that once the citizens of these countries are able to afford to buy mobile phones and washing machines, they'll buy Korean brands. Why? They're already hooked on Korea the Brand. If this sounds like a national campaign, that's because it is. The South Korean government has made the Korean Wave the nation's number one priority. (p. 6)

On November 25, 2011, outdoor clothing company Patagonia took out a full-page ad in The New York Times with the headline: “Don’t Buy This Jacket.” Though some cynics saw the headline as a publicity stunt by a high-priced brand that many people can’t afford, it is in the details of the ad that we can find clues about the kind of culture Patagonia has and that inspired such an ad in the first place. In the body copy of the ad, Patagonia did something most other companies would consider unthinkable. They explained, in plain language, the environmental cost of making their product, in this case the bestselling R2 Fleece. The copy read: “To make this jacket required 135 liters water, enough to meet the daily needs (three glasses a day) of 45 people. Its journey from its origin as 60% recycled polyester to our Reno warehouse generated nearly 20 pounds of carbon dioxide, 24 times the weight of the finished product. This jacket left behind, on its way to Reno, two-thirds its weight in waste.” “There is much to be done and plenty for us all to do,” the ad concludes. “Don’t buy what you don’t need. Think twice before you buy anything. … Join us … to reimagine a world where we take only what nature can replace.

I thought about Kristen, about how no matter how much I told her I wanted her, she didn’t waver. I wanted her to believe in my love for her, to put all her faith in something intangible, the way Brandon’s parents had believed in their prayers being answered. But Kristen wasn’t like that. For her, feelings weren’t grounds for decision making. She looked at this situation like she was a cool car that I couldn’t afford. Something I wanted because of the way it made me feel, not because I’d considered the price tag and made an educated decision to buy it. She was pros and cons, facts and numbers, black and white. Common sense. She was practical, and there was nothing logical about being with me. Or was there? Logic can be reasoned with as long as you have the facts… I stopped breathing. Holy shit. Holy fucking shit! I’d been making the wrong argument! Suddenly I knew how to get through to her. I knew what I had to do. It would take some time to pull it all together—a few weeks maybe. But I knew. I smiled the rest of the way home, until I got there and saw her car was gone. Inside, my laundry was washed and folded. The apartment was spotless and aired out. And the hoodie I’d given her all those weeks ago was folded neatly on the bed.

What I said in the study earlier was unkind, and untrue, and I’m s-sorry for it. It was very wrong of me. I shall make that very clear to Mr. Totthill and Mr. Fogg. And your brother.” His expression changed, one corner of his mouth curling upward in the hint of a smile that sent her heartbeat into chaos. “You needn’t bother mentioning it to them. All three will be calling me far worse before all is said and done.” “Nevertheless, it wasn’t fair of me--” “It’s forgotten. Come, the rain is worsening.” “I must fetch my shawl.” Devon followed her glance to the dark heap in the distance. “Is that it? Good God, leave it there.” “I can’t--” “It’s ruined by now. I’ll buy you another.” “I couldn’t accept something so personal from you. Besides…you can’t afford extra expenses, now that you have Eversby Priory.” She saw the flash of his grin. “I’ll replace it,” he said. “From what I gather, people at my level of debt never concern themselves with economizing.” Sliding back against the cantle of the saddle, he extended a hand down. His form was large and lean against the rioting sky, the hard lines of his face cast in shadow. Kathleen gave him a doubtful glance; it would require considerable strength for him to lift her while he was mounted. “You won’t drop me?” she asked uneasily. Devon sounded insulted. “I’m hardly some limp-wristed fop, madam.” “My skirts are heavy and wet--” “Give me your hand.” She approached him, and his hand took hers in a strong clasp. A nervous shiver went through her.

Come, the rain is worsening.” “I must fetch my shawl.” Devon followed her glance to the dark heap in the distance. “Is that it? Good God, leave it there.” “I can’t--” “It’s ruined by now. I’ll buy you another.” “I couldn’t accept something so personal from you. Besides…you can’t afford extra expenses, now that you have Eversby Priory.” She saw the flash of his grin. “I’ll replace it,” he said. “From what I gather, people at my level of debt never concern themselves with economizing.

So this is what poverty means. You are poor to the extent that you cannot afford to sell your time for sufficient price to buy the services you need, and rich to the extent that you can afford to buy not just the services you need but also those you crave. Prosperity, or growth, has been synonymous with moving from self-sufficiency to interdependence, transforming the family from a unit of laborious, slow and diverse production to a unit of easy, fast and diverse consumption paid for by a burst of specialised production.

2. Your subconscious mind does not argue with you. It accepts what your conscious mind decrees. If you say, “I can’t afford it,” it may be true, but do not say it. Select a better thought, decree, “I’ll buy it, I accept it in my mind.” 3.

My knowledge of the numbers did not forsake me,” and I answered, ‘As much as I earn in one year.’ “‘You speak but half the truth,’ he retorted. ‘Every gold piece you save is a slave to work for you. Every copper it earns is its child that also can earn for you. If you would become wealthy, then what you save must earn, and its children must earn, that all may help to give to you the abundance you crave. “‘You think I cheat you for your long night’s work,’ he continued, ‘but I am paying you a thousand times over if you have the intelligence to grasp the truth I offer you. “‘A part of all you earn is yours to keep. It should be not less than a tenth no matter how little you earn. It can be as much more as you can afford. Pay yourself first. Do not buy from the clothes-maker and the sandal-maker more than you can pay out of the rest and still have enough for food and charity and penance to the gods.

Because I had two influential fathers, I learned from both of them. I had to think about each dad’s advice and, in doing so, I gained valuable insight into the power and effect of one’s thoughts on one’s life. For example, one dad had a habit of saying, “I can’t afford it.” The other dad forbade those words to be used. He insisted I ask, “How can I afford it?” One is a statement, and the other is a question. One lets you off the hook, and the other forces you to think. My soon-to-be-rich dad would explain that by automatically saying the words “I can’t afford it,” your brain stops working. By asking the question “How can I afford it?” your brain is put to work. He did not mean that you should buy everything you want. He was fanatical about exercising your mind, the most powerful computer in the world. He’d say, “My brain gets stronger every day because I exercise it. The stronger it gets, the more money I can make.” He believed that automatically saying “I can’t afford it” was a sign of mental laziness.

our own entitlement system. The weight of our government supporting people who can but won’t work, who talk on cell phones they did not pay for, who have children they cannot feed, who live in houses they cannot afford, who drive cars they cannot put gas in, and who eat themselves into obesity, while others work and pay the taxes that you use to buy their votes. They have become the majority. There is no way for the hardworking, taxpaying members of society to vote you out. That is what is wrong with this country. That is what has led to the problem we now face. If you continue to do that, one of two things will happen. Our economy will collapse further, until we cannot recover, and then we will no longer be the United States of America. A nation will arise that none of us will recognize, that most of us will not want to live in.

angry with her. He had been the owner of the best broom in the world for a few short hours, and now, because of her interference, he didn’t know whether he would ever see it again. He was positive that there was nothing wrong with the Firebolt now, but what sort of state would it be in once it had been subjected to all sorts of anti-jinx tests? Ron was furious with Hermione too. As far as he was concerned, the stripping-down of a brand-new Firebolt was nothing less than criminal damage. Hermione, who remained convinced that she had acted for the best, started avoiding the common room. Harry and Ron supposed she had taken refuge in the library and didn’t try to persuade her to come back. All in all, they were glad when the rest of the school returned shortly after New Year, and Gryffindor Tower became crowded and noisy again. Wood sought Harry out on the night before term started. “Had a good Christmas?” he said, and then, without waiting for an answer, he sat down, lowered his voice, and said, “I’ve been doing some thinking over Christmas, Harry. After the last match, you know. If the dementors come to the next one . . . I mean . . . we can’t afford you to — well —” Wood broke off, looking awkward. “I’m working on it,” said Harry quickly. “Professor Lupin said he’d train me to ward off the dementors. We should be starting this week. He said he’d have time after Christmas.” “Ah,” said Wood, his expression clearing. “Well, in that case — I really didn’t want to lose you as Seeker, Harry. And have you ordered a new broom yet?” “No,” said Harry. “What! You’d better get a move on, you know — you can’t ride that Shooting Star against Ravenclaw!” “He got a Firebolt for Christmas,” said Ron. “A Firebolt? No! Seriously? A — a real Firebolt?” “Don’t get excited, Oliver,” said Harry gloomily. “I haven’t got it anymore. It was confiscated.” And he explained all about how the Firebolt was now being checked for jinxes. “Jinxed? How could it be jinxed?” “Sirius Black,” Harry said wearily. “He’s supposed to be after me. So McGonagall reckons he might have sent it.” Waving aside the information that a famous murderer was after his Seeker, Wood said, “But Black couldn’t have bought a Firebolt! He’s on the run! The whole country’s on the lookout for him! How could he just walk into Quality Quidditch Supplies and buy a broomstick?” “I know,” said Harry, “but McGonagall still wants to strip it down —” Wood went pale.

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