Don't Borrow Money Quotes

If you don't find a good teacher, find a good book.

Learning money basics. Don't marry for money. You can borrow it cheaper.

When you need to borrow money the Mob seems like a better deal I think. 'You don't pay me back I break both yer legs.' Is that all? You won't take my house or wreck my credit rating? Fine where do I sign. Legs? Fine. You don't even have to sign anything.

Don't ask to borrow unless you intend to repay them.

Why did you come in to-night with your heads in the air? 'Make way, we are coming! Give us every right and don't you dare breathe a word before us. Pay us every sort of respect, such as no one's ever heard of, and we shall treat you worse than the lowest lackey!' They strive for justice, they stand on their rights, and yet they've slandered him like infidels in their article. We demand, we don't ask, and you will get no gratitude from us, because you are acting for the satisfaction of your own conscience! Queer sort of reasoning!... He has not borrowed money from you, he doesn't owe you anything, so what are you reckoning on, if not his gratitude? So how can you repudiate it? Lunatics! They regard society as savage and inhuman, because it cries shame on the seduced girl; but if you think society inhuman, you must think that the girl suffers from the censure of society, and if she does, how is it you expose her to society in the newspapers and expect her not to suffer? Lunatics! Vain creatures! They don't believe in God, they don't believe in Christ! Why, you are so eaten up with pride and vanity that you'll end by eating up one another, that's what I prophesy. Isn't that topsy-turvydom, isn't it infamy?

Don't marry for money, you can borrow it cheaper.

Overborrowing or overlending? Lenders encourage indebtedness because it is profitable. Developing country governments are sometimes even pressured to overborrow ... Even without corruption, it is easy to be influenced by Western businessmen and financiers ... Countries that aren't sure that borrowing is worth the rist are told how important it is to establis a credit rating: borrow even if you really don't need the money.

Look, wolf boy, he’s gone. He came by, borrowed money,” she snorted, “took money—it’s not like I’ll ever see it again—and headed out. Told me that the Pack was looking for him, wanting to kill him. Even if I knew where he ran to, which I don’t, I certainly wouldn’t tell someone out to hurt him.

Buying an apartment is completely out of the question, the bank said, because who’d lend money to someone without money? You only lend money to people who don’t really need to borrow money. So where are you to live, you might ask.

Corporate finance, which services the corporations and governments that borrow money, and that are known as “clients,” is, by comparison, a refined and unworldly place. Because they don’t risk money, corporate financiers are considered wimps by traders.

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

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

The lie that happiness is about borrowing money you haven’t got to buy crap you don’t need,” says Ian. “The lie that we live in a democratic state. And the most weaselly lie of all, that there is no class war.

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

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

You may well ask: when the bubble finally burst, why did we not let the bankers crash and burn? Why weren't they held accountable for their absurd debts? For two reasons. First because the payment system - the simple means of transferring money from one account to another and on which every transaction relies - is monopolised by the very same bankers who were making the bets. Imagine having gifted your arteries and veins to a gambler. The moment he loses big at the casino, he can blackmail you for anything you have simply by threatening to cut off your circulation. Second, because the financiers' gambles contained deep inside the title deeds to the houses of the majority. A full-scale financial market collapse could therefore lead to mass homelessness and a complete breakdown in the social contract. Don't be surprised that the high and mighty financiers of Wall Street would bother financialising the modest homes of poor people. Having borrowed as much as they could off banks and rich clients in order to place their crazy bets, they craved more since the more they bet, the more they made. So they created more debt from scratch to use as raw materials for more bets. How? By lending to impecunious blue collar worker who dreamed of the security of one day owning their own home. What if these little people could not actually afford their mortgage in the medium term? In contrast to bankers of old, the Jills and the Jacks who actually leant them the money did not care if the repayments were made because they never intended to collect. Instead, having granted the mortgage, they put it into their computerised grinder, chopped it up literally into tiny pieces of debt and repackaged them into one of their labyrinthine derivatives which they would then sell at a profit. By the time the poor homeowner had defaulted and their home was repossessed, the financier who granted the loan in the first place had long since moved on.

It’s quite all right,” he said apologetically, “I haven’t come to sell you soap or gramophones, or to borrow money, or enrol you in the Ancient Froth-blowers or anything charitable. I really am Lord Peter Wimsey—I mean, that really is my title, don’t you know, not a Christian name like Sanger’s Circus or Earl Derr Biggers. I’ve come to ask you some questions, and I’ve no real excuse, I’m afraid, for butting in on you—do you ever read the News of the World?” Nurse Philliter decided that she was to be asked to go to a mental case, and that the patient had come to fetch her in person.

The wit and grace of Machado’s writing never diminish in these stories, and the scene is almost always the same. We are watching the bourgeoisie of Rio Janeiro at play, and occasionally trying to be serious. They misunderstand each other, they get married, they worry about dying, there is the occasional violent murder. Money and the business of keeping up appearances are large questions. The characters read Hugo and Feydeau, Dumas père and Dumas fils, and indeed the general tone is that of nineteenth-century Paris as reconstructed in so many Latin American locations of that time. Machado is gently mocking this class that believes only in borrowed culture, or in what the Brazilian critic Roberto Schwarz calls “misplaced ideas,” but he is not advocating any kind of nativism. When the chief character of “The Alienist,” refusing distinguished positions offered to him by the king of Portugal, refers to the Brazilian city of Itaguaí as “my universe,” we laugh because he seems to have made his world so small. But then we may also feel that his grandiose claim for his hometown and the exclusive fascination of others with the culture of Europe are simply rival forms of provincialism. There is a third way. We can take all culture, local and international, as our own, and this is the practice suggested by Machado’s own allusions, as it is by those of Jorge Luis Borges, writing a little later in a neighboring Latin American country. “We cannot confine ourselves to what is Argentine in order to be Argentine,” Borges says, and Machado might add that we don’t have to believe that Paris is the capital

This happens because data scientists all too often lose sight of the folks on the receiving end of the transaction. They certainly understand that a data-crunching program is bound to misinterpret people a certain percentage of “he time, putting them in the wrong groups and denying them a job or a chance at their dream house. But as a rule, the people running the WMDs don’t dwell on those errors. Their feedback is money, which is also their incentive. Their systems are engineered to gobble up more data and fine-tune their analytics so that more money will pour in. Investors, of course, feast on these returns and shower WMD companies with more money. And the victims? Well, an internal data scientist might say, no statistical system can be perfect. Those folks are collateral damage. And often, like Sarah Wysocki, they are deemed unworthy and expendable. Big Data has plenty of evangelists, but I’m not one of them. This book will focus sharply in the other direction, on the damage inflicted by WMDs and the injustice they perpetuate. We will explore harmful examples that affect people at critical life moments: going to college, borrowing money, getting sentenced to prison, or finding and holding a job. All of these life domains are increasingly controlled by secret models wielding arbitrary punishments.

Perhaps the Hungarian humorist Ferencz Karinthy captures the spirit of the situation best in a tableau about a bored businessman who amuses himself by looking through high-powered binoculars from his office high in a skyscraper into neighbouring office rooms. On one occasion he spies a middle-aged executive chasing a comely secretary around his desk. As it happens the observers knows the building in which this drama is taking place and can even make out the name of the occupant from the plaque on his desk. He consults the telephone directory and gives the culprit, who is still trying to force his attentions on the secretary, a ring. When the culprit answers the telephone the observer announces himself as God Almighty and tells him to stop molesting the young woman in his employ. The culprit, thunderstruck and unable to account fo the observer's exact knowledge of what has been going on, fall son his knees in a paroxysm of fear and wonder and begs forgiveness. The observer roundly berates the culprit who swears he will do anything to make amends and promises never to sin again. Hereupon the observer informs the culprit that he can indeed make amends by lending him 100 pengo [dollars]. The answer, of course is a burst of profanity and the abrupt termination of the call. Karinthy then draws his moral: if you want to play God don't try to borrow money...

However, if the moneylenders are not some other country but are situated within your own kingdom, and you’ve borrowed what you feel is too much money from them, you can play a very dirty trick. This dirty trick has indeed been played, and quite often. It’s called “Kill the Creditors.” (Please don’t try this at your local bank.) Consider, for instance, the sad fate of the Knights Templar. They were a religious order of fighting knights who’d amassed a great store of capital through gifts given to them by the pious, as well as through various treasures they’d acquired during the Crusades, and they acted as Europe’s major moneylenders to kings as well as to others for more than two centuries. It was unlawful for Christians to charge for the use of money, but it wasn’t unlawful for them to charge “rent” for the use of land, so the Templars charged so-called “rent” for the use of money, which you paid at the same time you got the loan, rather than after you’d used it. But you still had to pay the principal amount back at the stipulated time. This could be a problem for those who’d borrowed the money, as it still is today. In 1307, Philip the Fourth of France found he owed a cumbersome lot of money to the Templars. With the aid of the Pope and of torture, he accused them falsely of heretical and sacrilegious activities and had them rounded up and burned at the stake. As if by magic, his debts disappeared. (So did the vast wealth of the Templars, which has never been adequately accounted for since.)

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

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).

These senators and representatives call themselves “leaders.” One of the primary principles of leadership is that a leader never asks or orders any follower to do what he or she would not do themselves. Such action requires the demonstration of the acknowledged traits of a leader among which are integrity, honesty, and courage, both physical and moral courage. They don’t have those traits nor are they willing to do what they ask and order. Just this proves we elect people who shouldn’t be leading the nation. When the great calamity and pain comes, it will have been earned and deserved. The piper always has to be paid at the end of the party. The party is about over. The bill is not far from coming due. Everybody always wants the guilty identified. The culprits are we the people, primarily the baby boom generation, which allowed their vote to be bought with entitlements at the expense of their children, who are now stuck with the national debt bill that grows by the second and cannot be paid off. These follow-on citizens—I call them the screwed generation—are doomed to lifelong grief and crushing debt unless they take the only other course available to them, which is to repudiate that debt by simply printing up $20 trillion, calling in all federal bills, bonds, and notes for payoff, and then changing from the green dollar to say a red dollar, making the exchange rate 100 or 1000 green dollars for 1 red dollar or even more to get to zero debt. Certainly this will create a great international crisis. But that crisis is coming anyhow. In fact it is here already. The U.S. has no choice but to eventually default on that debt. This at least will be a controlled default rather than an uncontrolled collapse. At present it is out of control. Congress hasn’t come up with a budget in 3 years. That’s because there is no way at this point to create a viable budget that will balance and not just be a written document verifying that we cannot legitimately pay our bills and that we are on an ever-descending course into greater and greater debt. A true, honest budget would but verify that we are a bankrupt nation. We are repeating history, the history we failed to learn from. The history of Rome. Our TV and video games are the equivalent distractions of the Coliseums and circus of Rome. Our printing and borrowing of money to cover our deficit spending is the same as the mixing and devaluation of the gold Roman sisteri with copper. Our dysfunctional and ineffectual Congress is as was the Roman Senate. Our Presidential executive orders the same as the dictatorial edicts of Caesar. Our open borders and multi-millions of illegal alien non-citizens the same as the influx of the Germanic and Gallic tribes. It is as if we were intentionally following the course written in The History of the Decline and Fall of the Roman Empire. The military actions, now 11 years in length, of Iraq and Afghanistan are repeats of the Vietnam fiasco and the RussianAfghan incursion. Our creep toward socialism is no different and will bring the same implosion as socialism did in the U.S.S.R. One should recognize that the repeated application of failed solutions to the same problem is one of the clinical definitions of insanity. * * * I am old, ill, physically used up now. I can’t have much time left in this life. I accept that. All born eventually die and with the life I’ve lived, I probably should have been dead decades ago. Fate has allowed me to screw the world out of a lot of years. I do have one regret: the future holds great challenge. I would like to see that challenge met and overcome and this nation restored to what our founding fathers envisioned. I’d like to be a part of that. Yeah. “I’d like to do it again.” THE END PHOTOS Daniel Hill 1954 – 15

respond immediately to people who need something—anything—impulsively. I want to plug the hole. Like, I have to stifle this impulse to help people carry their grocery bags in my apartment building, or if I’m in line at the store and someone is short some money, I’ll always think about volunteering to pay. Even on the street, I’ll hear someone complain about how they can’t get somewhere, I’ll think, I have a car you can borrow. I don’t say it, thank God, but I find myself thinking it. If I see someone shivering on the street, I have an impulse to give them the coat off my back. It’s pathological, right? I have a neurotic impulse to help people?

The late earl didn’t provide for a dowry.” “A pity.” If Devon were going to try to borrow money from him to improve Lady Helen’s chances of marrying a peer, Rhys would tell him to sod off. “What has any of that to do with me?” “Nothing, if she doesn’t please you.” Seeing Rhys’s baffled expression, Devon shook his head with an exasperated laugh. “Confound it, Winterborne, don’t be obtuse. I’m trying to point out an opportunity, if you have any interest in Lady Helen.

After the mourning period is over, I intend to take her to London, along with the twins, for her first season.” “No doubt she’ll have many splendid offers,” Rhys said bitterly. Devon shook his head. “At best, she’ll have a few adequate ones. None will be splendid, nor even appropriate for a girl of her quality.” In response to Rhys’s perplexed glance, he explained, “The late earl didn’t provide for a dowry.” “A pity.” If Devon were going to try to borrow money from him to improve Lady Helen’s chances of marrying a peer, Rhys would tell him to sod off. “What has any of that to do with me?” “Nothing, if she doesn’t please you.” Seeing Rhys’s baffled expression, Devon shook his head with an exasperated laugh. “Confound it, Winterborne, don’t be obtuse. I’m trying to point out an opportunity, if you have any interest in Lady Helen.

house like the Howards, are we?” “I don’t know,” said Charlie again. Kit could hardly breathe. “It’ll be a struggle to keep it,” said Charlie. “Dad told me that he and Mother don’t own the house completely. They borrowed money from the bank to buy it, and they have to

I hope it snows all day and night,” Milton said. “My dad’s letting me borrow his snowblower this winter. I figure I can clean up fifty, sixty bucks after school doing driveways.” “You’re lucky,” Willie said. “My father’d never let me borrow his blower. He thinks I’ll get my fingers or toes sliced off with it.” “You probably would,” Milton said. “You gotta be strong to wrestle a snowblower around.” “I shovel my neighbor’s walk for a dollar,” Jackson said, “and she gives me three dollars to do her driveway.” “That’s all you get for a whole driveway? Boy, are you getting rooked,” Milton said. “Well, she’s old. It’s like doing her a favor.” “I could shovel driveways,” Willie said. “I bet I could.” The idea excited him. That’s how he could earn money. “Finding customers’s not that easy,” Milton advised him. “Everybody’s signed up with a plowing service already. And if they do hire you, they’ll try to rook you because you’re just a kid.” “You mean they don’t pay?” Jackson asked. “I mean--like one guy told me I didn’t do a good enough job, so he was only giving me half. But I fixed him. I blew half the snow right back on his driveway.” “Was he mad?” Jackson asked. “Sure, but so what?” Milton said.

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

O.K., Lerner: His argument was that countries that (a) rely on fiat money they control and (b) don’t borrow in someone else’s currency don’t face any debt constraints, because they can always print money to service their debt. What they face, instead, is an inflation constraint: too much fiscal stimulus will cause an overheating economy. So their budget policies should be entirely focused on getting the level of aggregate demand right: the budget deficit should be big enough to produce full employment, but not so big as to produce inflationary overheating.

Y'all know that little gal Kelly Crawford that works down at Tuckers?" Tuckers Jiffy Lube was the only gas station and mechanical shop in town. Jena Lynn's face contorted in disapproval. "You referring to that scantily clad girl who runs the register?" I asked as Jena Lynn hopped up to retrieve the coffeepot. "That's the one." Betsy curled up her lip in disgust. "That girl is barely legal!" I was outraged. "I know! I'm going to tell her granny. She'll take a hickory switch to the girl when she finds out what she's been up to. She was all over Darnell." Betsy wiped her nose with the back of her hand. She was right about that. Her granny wasn't the type to spare the rod; she parented old-school style. Jena Lynn's tone rose as she stirred raw sugar into her coffee. "You caught them?" "Well, I called him after what happened with poor Mr. Ledbetter---" We shook our heads. "---told him I was going to be late 'cause I was taking that extra shift. Guess he thought late meant real late 'cause when I got home, they we're rootin' around on my couch, the one my meemaw gave me last spring when she had her house redecorated." We sat in stunned silence. "I threw his junk out last night. And when he still didn't budge from the TV"---she paused for effect---"I set it all on fire, right there in the front yard." She leaned back and crossed her arms over her expansive chest. "That's harsh." Sam stacked his empty plates. "Maybe it wasn't Darnell's fault." Jena Lynn and I gave him a disapproving glare. He appeared oblivious to his offense, and the moron had the audacity to reach into the container for a cream cheese Danish. "Sam, if you value that scrawny hand of yours, I'd pull it out real slow or you'll be drawing back a nub," Betsy warned. "Sheesh!" Sam jerked backward. It was obvious he didn't doubt her for a second. He marched toward the kitchen and dropped the plates in the bus tub with a loud thud. "He should know better. You don't touch a gal's comfort food in a time of crisis," I said, and my sister nodded in agreement. Jena Lynn patted Betsy on the arm. "Ignore him, Bets. He's a man." I stood. "And if I may be so bold as to speak for all the women of the world who have been unfortunate enough to be in your shoes, we applaud you." A satisfied smile spread across Betsy's lips. "Thank you." She took a little bow. "That's why my eyes look like they do. Smoke got to me." She leaned in closer. "I threw all his high school football trophies into the blaze while he was hollering at me. The whole neighborhood came out to watch." I chuckled. The thought of Darnell Fryer running around watching all his belongings go up in smoke was hilarious. I wished I'd been there. "Did anyone try to step in and help Darnell?" "Hell nah. He owes his buddies so much money from borrowing to pay his gambling debts, the ones that came out brought their camping chairs and watched the show while tossing back a few cold ones." She got up from the counter to scoop a glass full of ice and filled it with Diet Coke from the fountain. "Y'all, I gotta lose this weight now I'm back on the market." Betsy was one of a kind.

I was a very nervous kid, I was anxious all the time when I was younger, but what's nice is that some of the things I was anxious about don't bother me at all anymore. Like, uh, I always thought that quicksand was going to be a much bigger problem than it turned out to be. Because if you watch cartoons, quicksand is like the third biggest thing you have to worry about in adult life behind real sticks of dynamite and giant anvils falling on you from the sky. I used to sit around and think about what to do about quicksand. I never thought about how to handle real problems in adult life, I was never like "Oh, what's it gonna be like when relatives ask to borrow money?" Now that I've gotten older, not only have I never stepped in quicksand—I've never even heard about it! No one's ever been like, "Hey if you're coming to visit, take I-90 'cause I-95 has a little quicksand in the middle. Looks like regular sand, but then you're gonna start to sink into it.

Then came the French vocabulary onslaught. The earliest borrowings were quickly assimilated to the English way. French final-syllable stress became English first-syllable stress: monTAGNE-MOUNtain, jarDIN-GARden, forÊT-FORest, citÉ-CIty, monNAIE-MONey, jourNÉE-JOURney. But later borrowings often didn’t adjust (maCHINE, diVORCE, balLOON). They kept their French ways but still became fully English words. (French stress rules are more complicated than “final-syllable stress,” but to the English ear words appear final stressed.)

If you don’t believe that $15,000 to $20,000 of restorative and cosmetic dentistry that a patient may need is one of the best investments they can make—is one of the best reasons to borrow money and spend it on themselves—then that is your biggest barrier to success.

1. Keep speculation and investments separate. 2. Don't be fooled by a name. 3. Be wary of new promotions. 4. Give due consideration to market ability. 5. Don't buy without proper facts. 6. Safeguard purchases through diversification. 7. Don't try to diversify by buying different securities of the same company. 8. Small companies should be carefully scrutinized. 9. Buy adequate security, not super abundance. 10. Choose your dealer and buy outright. (Babson abhorred any type of margin or installment payment plans and, in fact, claimed he never borrowed money.)

...don't borrow money from people, but if other people need it from you lend it to them, as long as it's inconsequential.

Until then, Hamm had resisted borrowing money or selling shares to raise cash, unlike McClendon and Ward at Chesapeake. Instead, he relied on cash coming from existing wells and from his side businesses, such as his drilling company. “I don’t like using other people’s money, it changes you,” he says, citing the need to be a salesman. “You believe your own bull, it distorts you.” But

Why don’t we pass a law that says when you borrow money to buy somebody else and cannibalize him, the interest payments on those loans are not deductible? That would get the excesses out of the system pretty fast. Right now, if you want to buy up a competitor, generally you can’t. That would violate the antitrust laws. But if you want to buy a company that does something else entirely, that’s okay. Where’s the sense in that?

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LIFE PLAN FOR YOUR DREAM Plan A - Apply for a job and use it to Finance Your dream. Plan B - Borrow Other People's Money (OPM) to Finance your dream if you don't want the job route. Plan C - Consider working full time and pursue your dream part-time. Plan D - Diligently work on your dream until it overtakes your job. Plan E - Effect a paradigm shift by making your dream full time and your job part time. Plan F - F means time to Fire your boss.

I like her,” Gracie said, the questions as clear as if she’d spoken them. Mitch gave the woman he’d come to think of as a sister a level-eyed stare, keeping his mouth shut. Gracie tilted her head to the side, sending her mop of blond curls flying. “How are you going to keep her?” “She lives in Chicago. I’m not keeping her.” He was temporarily borrowing her until she decided to hightail it to her real life. She gave a smug smile. “I meant keep her for now.” Mitch scrubbed a hand over his jaw, contemplating. “I’m not sure she has any other options.” “Don’t tell me you’re banking on that?” Gracie looked up to the ceiling as if exasperated by his complete stupidity. “A woman always has options, and she’ll think of plenty if you’re stupid enough to point out that she has to choose you by default.” Of course, Gracie was right. But he’d talked her into staying once; he could do it again. The question was, how? Mitch sat forward, placing his elbows on the table, his brain starting a slow, methodical spin. He took a sip of coffee and looked at Gracie. She practically danced in her chair. He rolled his eyes. “What’s on your mind?” “The way I see it,” Gracie said, not letting grass grow under her feet with any long dramatic silences, “her car’s broken down, and Tommy’s is closed today. That buys you a couple of days.” Immediately finding fault with her logic, Mitch shook his head. “Not necessarily. She has family. She could come to her senses and call them, and be gone by noon.” Just because she’d been adamant last night about not contacting them didn’t mean her justifications would hold true in the light of day. “I don’t think so.” Gracie peered behind him, looking thoughtful. “She told me she has no money.” Mitch pressed the bridge of his nose with his thumb and forefinger. The more he thought about it, the more he saw it as the most likely outcome. He’d only been able to convince her to come back to his house last night because she’d been tired, scared, and drunk. “There’s no way she’ll take any from me. What other option is there?” “One little hitch and you’re giving up?

I’d like to leave all my interest in, please,” explained Paddington. “In case it rains.” “Well,” said the man in a superior tone of voice as he made some calculations on a piece of paper. “I’m afraid you won’t keep very dry on this. It only comes to ten pence.” “What!” exclaimed Paddington, hardly able to believe his ears. “Ten pence! I don’t think that’s very interesting.” “Interest isn’t the same thing as interesting,” said the man. “Not the same thing at all.” He tried hard to think of some way of explaining matters for he wasn’t used to dealing with bears and he had a feeling that Paddington was going to be one of his more difficult customers. “It’s… it’s something we give you for letting us borrow your money,” he said. “The longer you leave it in the more you get.” “Well, my money’s been in since just after Christmas,” exclaimed Paddington. “That’s nearly six months.” “Ten pence,” said the man firmly.

But now I also understand, firsthand, the meaning of what the caregivers who work in that system do every day. They do achieve amazing things, and when it’s your life or your child’s life or your mother’s life on the receiving end of those amazing things, there is no such thing as a runaway cost. You’ll pay anything, and if you don’t have the money, you’ll borrow at any mortgage rate or from any payday lender to come up with the cash. Which is why 60 percent of the nearly one million personal bankruptcies filed in the United States last year resulted from medical bills.

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

Don’t be afraid to borrow money to grow or buy a business. John D. Rockefeller did this with massive amounts. However, the key to this success is making sure you pay back all your debt. This is just good business.

SHE’S ALWAYS BEEN A GAMER, BUT SINCE FATHER DIED…IT’S AN ADDICTION. SHE ARCHIVES EVERYTHING. AND HAS SINCE I WAS A CHILD. WE’RE TALKING TERABYTES. PETABYTES. YOTTABYTES. I DON’T KNOW. AND SHE’S AFTER ME TO “BORROW” THE MONEY.

Money—money—money… I’ve learned that money can be a real awkward instrument. It changes relationships. When you don’t have any, you can be perceived one way—and when you have a lot of it, you can be perceived in another. It can be intimidating and defining. My mother always used to say: “Don’t ever borrow money and don’t ever lend it. It will only cause problems. If you want to gift it, that’s fine, but remember it’s a gift.

To help him through mine school, Frank had borrowed some money from his brother Reef, who in those days was known for promoting quick cash out of the air. “Don’t know when I can pay this back, old Reefer.” “Whenever that is, if I’m still alive, that would be payback enough for me, so don’t worry.” As usual, Reef wasn’t thinking that closely about what he was saying, finding it in fact impossible to imagine any kind of a future in which being dead was preferable to living. Part of the same rooster-in-the-morn attitude that kept him winning at games of chance. Or winning enough. Or he thought it did. One day out of the usual nowhere, Reef showed up in Golden to find Frank with his nose in a metallurgy book. “I have a chore to run, sort of romantic chore, nothing too difficult, you want to come along?” “Where to? Being’s I’ve got this exam?” Flapping the book pages at his brother for emphasis. “Well you look like you could use a break. Why don’t we go up Castle Rock to that amusement park and have us a few beers.” Why didn’t they? Frank had no idea. Next thing he knew it was daytime again, Reef had squared everything with the Professor, and they were headed for Nevada.

Good evening, then. I will leave you to your conversation.” Rhys didn’t reply, only lifted his wineglass and drank deeply. But his gaze followed her every second until she left the room. Devon leaned back and interlaced his fingers, resting them on his midriff. “Lady Helen is an accomplished young woman. She’s been educated in history, literature, and art, and she’s fluent in French. She also knows how to manage servants and run an upper-class household. After the mourning period is over, I intend to take her to London, along with the twins, for her first season.” “No doubt she’ll have many splendid offers,” Rhys said bitterly. Devon shook his head. “At best, she’ll have a few adequate ones. None will be splendid, nor even appropriate for a girl of her quality.” In response to Rhys’s perplexed glance, he explained, “The late earl didn’t provide for a dowry.” “A pity.” If Devon were going to try to borrow money from him to improve Lady Helen’s chances of marrying a peer, Rhys would tell him to sod off. “What has any of that to do with me?” “Nothing, if she doesn’t please you.” Seeing Rhys’s baffled expression, Devon shook his head with an exasperated laugh. “Confound it, Winterborne, don’t be obtuse. I’m trying to point out an opportunity, if you have any interest in Lady Helen.” Rhys was silent. Stunned. Devon chose his words with obvious care. “On the surface, it’s not the most obvious match.” Match? Marriage match? The bastard clearly didn’t understand what he was suggesting. Even so…Rhys felt his soul clutch at the idea.

Well, folks, you can see that those superscrapers came through the storm just fine. It’s too bad they’re mostly empty right now. I mean they’re residential towers supposedly, but they were always too expensive for ordinary people to afford. They’re like big granaries for holding money, basically. You have to imagine them all stuffed to the top with dollar bills. The richest people from all over the world own the apartments in those towers. They’re an investment, or maybe a tax write-off. Diversify into real estate, as they say. While also having a place to visit whenever you happen to want to visit New York. A vacation place they might use for only a week or two every year. Depends what they like. They usually own about a dozen of these places around the world. Spread their holdings around. So really these towers are just assets. They’re money. They’re like big tall purple gold bars. They’re everything except housing.... Now, here below us is Central Park. It’s a refugee camp now, you can see that. It’s likely to be that for weeks and months to come. Maybe a year. People will be sleeping in the park. Lots of tents already, as you see.... So you know what? I’m sick of the rich. I just am. I’m sick of them running this whole planet for themselves. They’re wrecking it! So I think we should take it back, and take care of it. And take care of each other as part of that. No more table scraps. You know that Householders’ Union that I was telling you about? I think it’s time for everyone to join that union, and for that union to go on strike. An everybody strike. I think there should be an everybody strike. Now. Today.... What I mean by a householders’strike is you just stop paying your rents and mortgages ... maybe also your student loans and insurance payments. Any private debt you’ve taken on just to make you and your family safe. The daily necessities of existence. The union is declaring all those to be odious debts, like some kind of blackmail on us, and we’re demanding they be renegotiated ... So, we stop paying and call that the Jubilee? ... That’s an old name for this kind of thing. After we start this Jubilee, until there’s a restructuring that forgives a lot of our debt, we aren’t paying anything. You might think that not paying your mortgage would get you in trouble, and it’s true that if it was just you, that might happen. But when everyone does it, that makes it a strike. Civil disobedience. A revolution. So everyone needs to join in. Won’t be that hard. Just don’t pay your bills! ... What will happen then is that the absence of those payments of ours will cause the banks to crash fast. They take our payments and use them as collateral to borrow tons more, to fund their own gambling, and they are way, way, way overextended. Overleveraged.... At that point they will be asking the government to bail them out. That’s us. We’re the government. At least in theory, but yeah. We are. So we can decide what to do then. We will have to tell our government what to do at that point. If our government tries to back the banks instead of us, then we elect a different government. We pretend that democracy is real, and that will make it real. We elect a government of the people, by the people, and for the people. That was the whole idea in the first place. As they used to tell us in school. And it’s a good idea, if we could make it real. It might never have been real, up till now. But now’s the time. Now’s the time, people!

Well, folks, you can see that those superscrapers came through the storm just fine. It’s too bad they’re mostly empty right now. I mean they’re residential towers supposedly, but they were always too expensive for ordinary people to afford. They’re like big granaries for holding money, basically. You have to imagine them all stuffed to the top with dollar bills. The richest people from all over the world own the apartments in those towers. They’re an investment, or maybe a tax write-off. Diversify into real estate, as they say. While also having a place to visit whenever you happen to want to visit New York. A vacation place they might use for only a week or two every year. Depends what they like. They usually own about a dozen of these places around the world. Spread their holdings around. So really these towers are just assets. They’re money. They’re like big tall purple gold bars. They’re everything except housing.... Now, here below us is Central Park. It’s a refugee camp now, you can see that. It’s likely to be that for weeks and months to come. Maybe a year. People will be sleeping in the park. Lots of tents already, as you see.... So you know what? I’m sick of the rich. I just am. I’m sick of them running this whole planet for themselves. They’re wrecking it! So I think we should take it back, and take care of it. And take care of each other as part of that. No more table scraps. You know that Householders’ Union that I was telling you about? I think it’s time for everyone to join that union, and for that union to go on strike. An everybody strike. I think there should be an everybody strike. Now. Today.... What I mean by a householders’strike is you just stop paying your rents and mortgages ... maybe also your student loans and insurance payments. Any private debt you’ve taken on just to make you and your family safe. The daily necessities of existence. The union is declaring all those to be odious debts, like some kind of blackmail on us, and we’re demanding they be renegotiated ... So, we stop paying and call that the Jubilee? ... That’s an old name for this kind of thing. After we start this Jubilee, until there’s a restructuring that forgives a lot of our debt, we aren’t paying anything. You might think that not paying your mortgage would get you in trouble, and it’s true that if it was just you, that might happen. But when everyone does it, that makes it a strike. Civil disobedience. A revolution. So everyone needs to join in. Won’t be that hard. Just don’t pay your bills! ... What will happen then is that the absence of those payments of ours will cause the banks to crash fast. They take our payments and use them as collateral to borrow tons more, to fund their own gambling, and they are way, way, way overextended. Overleveraged.... At that point they will be asking the government to bail them out. That’s us. We’re the government. At least in theory, but yeah. We are. So we can decide what to do then. We will have to tell our government what to do at that point. If our government tries to back the banks instead of us, then we elect a different government. We pretend that democracy is real, and that will make it real. We elect a government of the people, by the people, and for the people. That was the whole idea in the first place. As they used to tell us in school. And it’s a good idea, if we could make it real. It might never have been real, up till now. But now’s the time. Now’s the time, people!

MANAGEMENT CONSULTANTS The effective ones are the one-man shows.The institutional ones are disastrous. They waste time, cost money, demoralize and distract your best people, and don’t solve problems. They are people who borrow your watch to tell you what time it is and then walk off with it. Don’t use them under any circumstances. Not even to keep your stockholders and directors quiet. It isn’t worth it. Many organizations who’ve been through it will react promptly, thoroughly, and effectively to the threat: “If you fellows don’t get shaped up in thirty days so you’re a credit to the rest of the company, I’m going to call in Booz, Allen.

Normal business thinking: If we can borrow money at historically low rates, buy back stock, and see the value of management’s options increase, why invest in growth and the jobs that come with it? That’s risky. Amazon business thinking: If we can borrow money at historically low rates, why don’t we invest that money in extraordinarily expensive control delivery systems? That way we secure an impregnable position in retail and asphyxiate our competitors. Then we can get really big, fast.

In November, Random House had published The Art of the Deal by Donald Trump, whose disdain for tradition and good taste had by now convinced striving classes that he was one of them. The people who resented him were the meritocracy who followed the rules; those on top and those on the bottom both knew Balzac had it right: “Behind every great fortune,” he’d written, “there is a great crime.” For Liz Smith, the love of money could still excuse anything. “It is refreshing,” she wrote of “The Donald,” “to find a rich person who isn’t pretending to be broke or modest and unassuming, hopping and skipping on hot coals to avoid being called crass and vulgar when it comes to the most absorbing subject known to the average man and woman in 1988: money…” She finished, “Let’s not kill Donald. Don’t you want to see what happens when he grows up?” In the meantime, he borrowed $407.5 million to buy the Plaza, taking out full-page ads promising to make it “perhaps the greatest hotel in the world.” He mulled public office. “I’m not running for president,” he said, “But if I did… I’d win.” The Helmsleys, on the other hand, were sacrificed for the sins of their class; Giuliani indicted them for tax evasion.

Next, Cohn repeated what everyone was saying: Interest rates were going to go up over the foreseeable future. I agree, Trump said. “We should just go borrow a lot of money right now, hold it, and then sell it and make money.” Cohn was astounded at Trump’s lack of basic understanding. He tried to explain. If you as the federal government borrow money through issuing bonds, you are increasing the U.S. deficit. What do you mean? Trump asked. Just run the presses—print money. You don’t get to do it that way, Cohn said. We have huge deficits and they matter. The government doesn’t keep a balance sheet like that. “If you want to do something that would be smart—and you actually do control this—I would add a 50-year and a 100-year bond from the U.S. Treasury.

Many people imagine that banks lend borrowers the cash parked with them by savers and, since savers don’t need constant access to all their funds, banks can make loans equivalent to many times the money they have on deposit. In fact, whenever a bank makes a loan and credits the borrower’s account with the funds, it creates new money electronically with a couple of keyboard taps—or in previous decades by the stroke of a banker’s pen.

She borrowed the money and spent it," he said, defending his position. "Yes because she—" He stopped her by holding his hand up. "I don't want to know this stuff." "Yes, because you know it’s wrong." Jessica's anger continued. "We agree. All I do is focus on the fact that someone borrowed money. They received plenty of letters and phone calls asking them to pay up, and have had loads of time and opportunity to pay. You’ll be surprised by the type of people and how many borrow money with no intention of paying it back. Believe me the last thing they want is the neighbours, or their work colleagues knowing they are defaulting on a loan. If they pay up the lump sum they even get a discount so all's fair in—

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

In the olden days, at least, they knew when to stop. " "Now they don't any more. In the olden days they had some shame as well." "Yes, now they ain't got no shame either.

We’re a bunch of capitalists borrowing money from a bunch of communists so we can bring democracy to a bunch of Muslims who don’t even fucking want it. And we’re not bringing democracy to them, we’re bringing Corporatism.

The Joneses, nine times out of ten, are financially stupid. That’s why they have all that stuff, on borrowed money. Why try to copy them? Worse, why try to impress them?

No one disputes that college has gotten a lot more expensive. A recent Money magazine report notes, “After adjusting for financial aid, the amount families pay for college has skyrocketed 439% since 1982. . . . Normal supply and demand can’t begin to explain cost increases of this magnitude.”1 Consumers would balk, except for two things. First – as with the housing bubble – cheap and readily available credit has let people borrow to finance education. They’re willing to do so because of (1) consumer ignorance, as students (and, often, their parents) don’t fully grasp just how harsh the impact of student-loan payments will be after graduation; and (2) a belief that, whatever the cost, a college education is a necessary ticket to future prosperity. Second, there’s a belief that college is an essential entry ticket to the middle class, regardless of whatever actual value it might provide.

You are living as if destined to live forever; your own frailty never occurs to you; you don’t notice how much time has already passed, but squander it as though you had a full and overflowing supply—though all the while that very day which you are devoting to somebody or something may be your last. You act like mortals in all that you fear, and like immortals in all that you desire . . . Nothing has really changed since Seneca wrote these words. We still live ‘as if destined to live forever’. We put off things we really want to do until retirement, or we think we can take a break only when we earn a certain amount of money, or we borrow a lot of money to have a big mortgage in a posh suburb—not really contemplating that it ties us to working hard, perhaps in an industry we hate, for another 30-plus years.

Bestfriend: Girl, let me borrow some pussy. Me: Huh? Bestfriend: If yo’ pussy make a nigga drop money like that on a ring, hoe share. TF. Don’t be stingy. I’m trying to get me a good man, too, Savannah. Me: You is real sick in the head, lmao. But you my bestie, and I’m going to stick beside you. Bestfriend: You better, because we are stuck together for life. I love you, Tylee. Congratulations on your engagement. Me: I’m glad you know it. Thank you, Whitney. I love you more.

trading at $10 when you just shorted it at $2 a few days before? I learned that lesson the hard way. It turned out that I was risking $8 to make $2, which is not a good way to make money over the long term. To add injury to insult, a penny stock might appear to be liquid one day, and the next day, the liquidity dries up and you are confronted by a $2 bid/ask spread. Or the bid might completely disappear. Imagine owning a stock for which there are now no buyers. Stay away from all stocks under $10. Also stay away from trading newsletters that hawk penny stocks. The owners of these newsletters are often paid by the companies themselves to hype their stocks. Or they may take a position in a penny stock, send out an email telling everyone to buy it, and then sell their stock at a much higher price to these amateur buyers. Watch the movie "The Wolf of Wall Street" if you’d like to see a famous example of the decadent lifestyle and fraud that often surround penny stocks. Viewer discretion is advised. 3. Don’t short stocks. If you are an advanced trader, feel free to ignore this rule. If you are not, I would seriously encourage you not to ignore this rule. In order to short a stock, you must first borrow shares of the stock from your broker. You then sell those shares on the open market. If the stock falls in price, you will be able to buy back those shares at a lower price for a profit. If, however, the stock goes up a lot, you may be forced to buy back the shares at a much higher price, and end up losing more money than you ever had in your trading

tweet on 136. The other day a client said, “I like being able to chatter on like this or stay silent just so as I want. It takes years to build up a friendship that allows you to do that and it costs money along the way, but with rental person, I can behave like that right from the start. It's a real luxury! I had never realized before that rental person could have a cost cutting effect. 138 - 140/ It would be misleading to say we pay for friendship, but friends certainly cost money. If I went out eating and drinking with someone and they always paid, then it wouldn't feel like friendship. I don't really know how to define, “friend” or “friendship”, and I suppose different people would define them in different ways. But it seems to me at being with friends often involves getting out your wallet. You may go to a restaurant with friends, for example, and when you do you share the bill so that you have a balance relationship. You don't want there to be debts on either side. If you play a computer game at someone else's house, then it may not seem as if it's costing you anything, but if you live some distance away, then you have to pay for the train or bus to get there. And if you have snacks or drinks, then you probably share the cost. But just going to someone's house once to play a game doesn't guarantee a real friendship. You'll have to keep meeting up and every time there'll be a cost involved. I think I'm sounding stingy; the point is simply that building and maintaining friendships involves spending time and money. And besides financial costs, there are costs in terms of emotion and energy. Friends often lend things to each other. In Japan, this happens a lot with manga books. I did that with colleagues I got on with at the company I worked for. I'm not the type of person who wants to read something just because someone else recommends it to me—I'd borrow it just because it seemed unfriendly to me not to. And if you borrow a book, you have to read it and when you give it back, you have to give comments. If you didn't enjoy it, you either have to lie and say you did or you have to choose your words very carefully, so as not the harm your relationship. I find all this kind of thing very stressful. I suppose the psychological burden is the cost of adapting to the other person. As I said earlier on, I'm bad at building relationships within a fixed community, and I think one reason for this is that I can't easily adapt. I guess that makes the mental cost relationship greater than it would otherwise be. To reach the stage where you can just be yourself, but the other person takes a lot of time and energy. You probably argue sometimes or spend long periods, hesitating whether to say things or not. And this is all a type of psychological cost that mounts up over time until you reach the day where you can say without reservation. “This manga I borrowed, it was garbage.” So I think you could certainly say that skipping the whole process would cut costs, financial and emotional. That, at least, was how that particular client saw it. My not doing anything meant there was no pressure on her. It was interesting to find someone who thought like that.