Financial Problem Quotes

I am concerned that too many people are focused too much on money and not on their greatest wealth, which is their education. If people are prepared to be flexible, keep an open mind and learn, they will grow richer and richer through the changes. If they think money will solve the problems, I am afraid those people will have a rough ride. Intelligence solves problems and produces money. Money without financial intelligence is money soon gone.

Money hijacks the potentially meaningful interactions between people.

Intelligence solves problems and produces money. Money without financial intelligence is money soon gone.

Wealth File 1. Rich people believe "I create my life." Poor people believe "Life happens to me." 2. Rich people play the money game to win. Poor people play the money game to not lose. 3. Rich people are committed to being rich. Poor people want to be rich. 4. Rich people think big. Poor people think small. 5. Rich people focus on opportunities. Poor people focus on obstacles. 6. Rich people admire other rich and successful people. Poor people resent rich and successful people. 7. Rich people associate with positive, successful people. Poor people associate with negative or unsuccessful people. 8. Rich people are willing to promote themselves and their value. Poor people think negatively about selling and promotion. 9. Rich people are bigger than their problems. Poor people are smaller than their problems. 10. Rich people are excellent receivers. Poor people are poor receivers. 11. Rich people choose to get paid based on results. Poor people choose to get paid based on time. 12. Rich people think "both". Poor people think "either/or". 13. Rich people focus on their net worth. Poor people focus on their working income. 14. Rich people manage their money well. Poor people mismanage their money well. 15. Rich people have their money work hard for them. Poor people work hard for their money. 16. Rich people act in spite of fear. Poor people let fear stop them. 17. Rich people constantly learn and grow. Poor people think they already know.

The Earth should not be cut up into hundreds of different sections, each inhabited by a self-defined segment of humanity that considers its own welfare and its own "national security" to be paramount above all other consideration. I am all for cultural diversity and would be willing to see each recognizable group value its cultural heritage. I am a New York patriot, for instance, and if I lived in Los Angeles, I would love to get together with other New York expatriates and sing "Give My Regards to Broadway." This sort of thing, however, should remain cultural and benign. I'm against it if it means that each group despises others and lusts to wipe them out. I'm against arming each little self-defined group with weapons with which to enforce its own prides and prejudices. The Earth faces environmental problems right now that threaten the imminent destruction of civilization and the end of the planet as a livable world. Humanity cannot afford to waste its financial and emotional resources on endless, meaningless quarrels between each group and all others. there must be a sense of globalism in which the world unites to solve the real problems that face all groups alike. Can that be done? The question is equivalent to: Can humanity survive? I am not a Zionist, then, because I don't believe in nations, and because Zionism merely sets up one more nation to trouble the world. It sets up one more nation to have "rights" and "demands" and "national security" and to feel it must guard itself against its neighbors. There are no nations! There is only humanity. And if we don't come to understand that right soon, there will be no nations, because there will be no humanity.

Winning at money is 80 percent behavior and 20 percent head knowledge. What to do isn’t the problem; doing it is. Most of us know what to do, but we just don’t do it. If I can control the guy in the mirror, I can be skinny and rich.

Remember, buying something is not the problem. The problem comes when we believe, for that moment, that the object we’re buying is going to make us happy.

Do not focus on money, instead focus on a problem that needs to be solved for the world..money will follow you as a bi-product.

Everything's gonna be fine. Stay optimistic. If there's dark clouds coming, they'll leave again. They always do. The world is round. Everything is round. The biggest invention of all time, the wheel, is round. Things pass, nothing will stay the same forever. No matter how big a pile of shite you've gotten yourself into-be it drugs, financial problems, fucked up relations-you will get over it. It will go away just like the weather. The sun is round, so is the planet we live on, as are marriage rings, and our eyes through which we see the world.

People need a moral code, to help them make decisions. All this bio-yogurt virtue and financial self-righteousness are just filling the gap in the market. But the problem is that it's all backwards. It's not that you do the right thing and hope it pays off; the morally right thing is by definition the thing that gives the biggest payoff.

Achievers rarely, if ever, see a problem as permanent, while those who fail see even the smallest problems as permanent.

So many of my friends judged potential mates from the outside in, focusing first on their looks and financial prospects. If it turned out the person they'd chosen wasn't a good communicator or was uncomfortable with being vulnerable, they seemed to think time or marriage vows would fix the problem. But Barack arrived in my life a wholly formed person. From our very first conversation, he'd shown me that he wasn't self-conscious about expressing fear or weakness and that he valued being truthful.

Every great, successful person I know shares the capacity to remain centered, clear and powerful in the midst of emotional “storms.” How do they accomplish this? Most of them have a fundamental rule: In life, never spend more than 10 percent of your time on the problem, and spend at least 90 percent of your time on the solution. Most important, don’t sweat the small stuff… and remember, it’s all small stuff!

Engineers do engineering, i.e. they build bridges. So engineering needs engineers. The economy does NOT need economists. Economists do not make economy, but they try it and that is why we have so much problems with some financial models.

Developing mental strength isn’t about having to be the best at everything. It also isn’t about earning the most money or achieving the biggest accomplishments. Instead, developing mental strength means knowing that you’ll be okay no matter what happens. Whether you’re facing serious personal problems, a financial crisis, or a family tragedy, you’ll be best prepared for whatever circumstances you encounter when you’re mentally strong. Not only will you be ready to deal with the realities of life, but you’ll be able to live according to your values no matter what life throws your way.

Remember: we all get what we tolerate. So stop tolerating excuses within yourself, limiting beliefs of the past, or half-assed or fearful states. Use your body as a tool to snap yourself into a place of sheer will, determination, and commitment. Face your challenges head on with the core belief that problems are just speed bumps on the road to your dreams. And from that place, when you take massive action—with an effective and proven strategy—you will rewrite your history.

The problem here, Gwen, is that the more desperate you are to achieve financial success and the tighter you hold on to what you've got, the greater your chances of losing it. Money's like love in that respect.

When the purse becomes empty, the mind becomes full of issues.

I tell my students that the odds of their getting published and of it bringing them financial security, peace of mind, and even joy are probably not that great. Ruin, hysteria, bad skin, unsightly tics, ugly financial problems, maybe; but probably not peace of mind. I tell them that I think they ought to write anyway.

Social welfare is destroying the soul of America. Social programs are cancers growing within the spirit of the people they were created to serve. Social programs do not make people stronger. They keep people weak, depending on the government to solve their problems.

As the twenty-first century unfolds, it is becoming more and more evident that the major problems of our time – energy, the environment, climate change, food security, financial security – cannot be understood in isolation. They are systemic problems, which means that they are all interconnected and interdependent. Ultimately, these problems must be seen as just different facets of one single crisis, which is largely a crisis of perception. It derives from the fact that most people in our modern society, and especially our large social institutions, subscribe to the concepts of an outdated worldview, a perception of reality inadequate for dealing with our overpopulated, globally interconnected world.

At the federal level, this problem could be greatly alleviated by abolishing the Electoral College system. It's the winner-take-all mathematics from state to state that delivers so much power to a relative handful of voters. It's as if in politics, as in economics, we have a privileged 1 percent. And the money from the financial 1 percent underwrites the microtargeting to secure the votes of the political 1 percent. Without the Electoral College, by contrast, every vote would be worth exactly the same. That would be a step toward democracy.

Writing was the solution to every problem—financial, emotional, intellectual. It had kept me company when I was a lonely child. It gave me an excuse to go places I would otherwise be unlikely to venture. It satisfied the edict my mother had issued many times throughout my life: “You have to make your own living; you never want to be dependent on a man.

She asked me for some advice regarding Mark’s financial affairs. It’s a very common problem for the families of missing persons – what happens when someone disappears? How long do you wait before you clean out their flat? Do you reregister their car? Who keeps paying the car payments? How do you access their bank account? What about rent and mortgage? When do you tell their employer you don’t think they’re coming back to their job?

Have they been educated to the level of their intellectual ability or ambition? Is their use of free time engaging, meaningful, and productive? Have they formulated solid and well-articulated plans for the future? Are they (and those they are close to) free of any serious physical health or economic problems? Do they have friends and a social life? A stable and satisfying intimate partnership? Close and functional familial relationships? A career—or, at least, a job—that is financially sufficient, stable and, if possible, a source of satisfaction and opportunity? If the answer to any three or more of these questions is no, I consider that my new client is insufficiently embedded in the interpersonal world and is in danger of spiraling downward psychologically because of that.

more money will often not solve the problem. In fact, it may compound the problem. Money often makes obvious our tragic human flaws, putting a spotlight on what we don’t know. That is why, all too often, a person who comes into a sudden windfall of cash—let’s say an inheritance, a pay raise, or lottery winnings—soon returns to the same financial mess, if not worse, than the mess they were in before.

To paraphrase Einstein, you can't solve your problems with the same mindset that created them.

A very simple way to guard your soul is to ask yourself, “Will this situation block my soul’s connection to God?” As I begin living this question I find how little power the world has over my soul. What if I don’t get a promotion, or my boss doesn’t like me, or I have financial problems, or I have a bad hair day? Yes, these may cause disappointment, but do they have any power over my soul? Can they nudge my soul from its center, which is the very heart of God? When you think about it that way, you realize that external circumstances cannot keep you from being with God. If anything, they draw you closer to him.

Being satisfied with the little we have; academically, spiritually, financially, ecumenically or otherwise will prevent a lot of problems from coming to us, and our dependence in our abilities and talents will go as far as bringing us satisfaction in life.

Depression can be due to a low endocrine function, nutritional deficiencies, blood sugar problems, food allergies, or systemic yeast infection. Depression can also result from medical illnesses such as stroke, heart attack, cancer, Parkinson's disease, and hormonal disorder. It can also be caused by a serious loss, a difficult relationship, a financial problem, or any stressful, unwelcome life change.

As a rabbi, I’ve spent long hours counseling people I’ve married, and in each case I like to talk with the couple about not only compatibility and love, but also their relationship with money. If you and your partner are not in the same financial mind-frame, then chances are your marriage won’t work. You can’t be an army of one when you are married. Financial problems are the number one cause of divorce.

What are your three most important business or career goals right now? What are your three most important family or relationship goals right now? What are your three most important financial goals right now? What are your three most important health goals right now? What are your three most important personal and professional development goals right now? What are your three most important social and community goals right now? What are your three biggest problems or concerns in life right now?

What one must then do is develop the habit of “thinking psychological” instead of physical. In other words, I suggest to patients that when they find themselves being aware of the pain, they must consciously and forcefully shift their attention to something psychological, like something they are worried about, a chronic family or financial problem, a recurrent source of irritation, anything in the psychological realm, for that sends a message to the brain that they’re no longer deceived by the pain. When that message reaches the depths of the mind, the subconscious, the pain ceases. That

If Americans actually understood the structure of our taxes, they would not only become angry, they might also find our economic and political systems intolerable because they are the cause of our unjust tax codes ... We could revolutionize the financial conditions of every American city and town—solve all or most of its tax revenue problems—if the property tax system were simply extended from tangible property to also include intangible property. If you want some quick solutions to our nation's fiscal problems, that would be one. Even on the simple basis of fairness, how can we justify having a property tax system that exempts the intangible property owned mostly by the richest amongst us? What a prime example of the Occupy movement's central point about the economic injustice perpetrated by the 1 percent against the 99 percent.

I came to realize that my money problems, worries, and shortages largely began and ended with the person in my mirror. I realized also that if I could learn to manage the character I shaved with every morning, I could win at money.

Philanthropreneurship can be described as the emerging practice of bringing social change in new and creative ways. This practice includes the financial aspect as well as the social aspect. The core idea of philanthropreneurship is about the skills which enable people to make others fortunes by working with startups and giving back. These are often the ones required to solve almost all the intractable problems.

We have made money our god and called it the good life. We have trained our children to go for jobs hat bring the quickest corporate advancements at the highest financial levels. We have taught them careerism but not ministry and wonder why ministers are going out of fashion. We fear coddling the poor with food stamps while we call tax breaks for the rich business incentives. We make human community the responsibility of government institutions while homelessness, hunger, and drugs seep from the centers of our cities like poison from open sores for which we do not seek either the cause or the cure. We have created a bare and sterile world of strangers where exploitation is a necessary virtue. We have reduced life to the lowest of values so that the people who have much will not face the prospect of having less. Underlying all of it, we have made women the litter bearers of a society where disadvantage clings to the bottom of the institutional ladder and men funnel to the top, where men are privileged and women are conscripted for the comfort of the human race. We define women as essential to the development of the home but unnecessary to the development of society. We make them poor and render them powerless and shuttle them from man to man. We sell their bodies and question the value of their souls. We call them unique and say they have special natures, which we then ignore in their specialness. We decide that what is true of men is true of women and then say that women are not as smart as men, as strong as men, or as capable as men. We render half the human race invisible and call it natural. We tolerate war and massacre, mayhem and holocaust to right the wrongs that men say need righting and then tell women to bear up and accept their fate in silence when the crime is against them. What’s worse, we have applauded it all—the militarism, the profiteering, and the sexisms—in the name of patriotism, capitalism, and even religion. We consider it a social problem, not a spiritual one. We think it has something to do with modern society and fail to imagine that it may be something wrong with the modern soul. We treat it as a state of mind rather than a state of heart. Clearly, there is something we are failing to see.

As a predatory competition for hoarding profit, neoliberalism produces massive inequality in wealth and income, shifts political power to financial elites, destroys all vestiges of the social contract, and increasingly views “unproductive” sectors—most often those marginalized by race, class, disability, resident status, and age—as suspicious, potentially criminal, and ultimately disposable. It thus criminalizes social problems and manufactures profit by commercializing surveillance, policing, and prisons.

Today nothing is more modern than the onslaught against the political. American financiers, industrial technicians, Marxist socialists, and anarchic-syndicalist revolutionaries unite in demanding that the biased rule of politics over unbiased economic management be done away with. There must no longer be political problems, only organizational-technical and economic-sociological tasks. The kind of economic-technical thinking that prevails today is no longer capable of perceiving a political idea. The modern state seems to have actually become what Max Weber envisioned: a huge industrial plant.

While play-acting grim scenarios day in and day out may sound like a good recipe for clinical depression, it’s actually weirdly uplifting. Rehearsing for catastrophe has made me positive that I have the problem-solving skills to deal with tough situations and come out the other side smiling. For me, this has greatly reduced the mental and emotional clutter that unchecked worrying produces, those random thoughts that hijack your brain at three o’clock in the morning. While I very much hoped not to die in space, I didn’t live in fear of it, largely because I’d been made to think through the practicalities: how I’d want my family to get the news, for instance, and which astronaut I should recruit to help my wife cut through the red tape at NASA and the CSA. Before my last space flight (as with each of the earlier ones) I reviewed my will, made sure my financial affairs and taxes were in order, and did all the other things you’d do if you knew you were going to die. But that didn’t make me feel like I had one foot in the grave. It actually put my mind at ease and reduced my anxiety about what my family’s future would look like if something happened to me. Which meant that when the engines lit up at launch, I was able to focus entirely on the task at hand: arriving alive.

The problem wasn’t that Robin didn’t think she’d love her child. On the contrary, she thought it likely that she would love that child to the extent that this job, for which she had voluntarily sacrificed a marriage, her safety, her sleep and her financial security, would have to be sacrificed in return. And how would she feel, afterward, about the person who’d made that sacrifice necessary?

Just what is a speculative bubble? The Oxford English Dictionary defines a bubble as “anything fragile, unsubstantial, empty, or worthless; a deceptive show. From 17th c. onwards often applied to delusive commercial or financial schemes.” The problem is that words like show and scheme suggest a deliberate creation, rather than a widespread social phenomenon that is not directed by any central impresario.

As you navigate your professional life, you will be faced with all kinds of trials and tribulations for which there will appear no feasible solution. Do you sit there trying to figure out what to do? No, you get moving. Problems—all problems—are solved not just by sitting and thinking, but by moving and doing.

.. I needed to hire someone to manage all this, but I dreaded it. It's not like you just hire one person. You hire their family and their problems, their illnesses and financial issues and weird habits and friends. You're forced to share a bathroom with them. It's like sleeping with someone without the benefits.

Excel suffers from an image problem. Most people assume that spreadsheet programs such as Excel are intended for accountants, analysts, financiers, scientists, mathematicians, and other geeky types. Creating a spreadsheet, sorting data, using functions, and making charts seems daunting, and best left to the nerds.

THE PROBLEM-SOLVING QUESTIONS 1. What is great about this problem? 2. What is not perfect yet? 3. What am I willing to do to make it the way I want it? 4. What am I willing to no longer do in order to make it the way I want it? 5. How can I enjoy the process while I do what is necessary to make it the way I want it?

The final neoliberal fallback is geoengineering, which derives from the core neoliberal doctrine that entrepreneurs, unleashed to exploit acts of creative destruction, will eventually innovate market solutions to address dire economic problems. This is the whiz-bang futuristic science fiction side of neoliberalism, which appeals to male adolescents and Silicon Valley entrepreneurs almost as much as do the novels of Ayn Rand.

Know that there are people to whom you are connected who are available to help you find the right job, to solve a puzzling issue that seems irreconcilable, to help you back on your feet, and to resolve financial difficulties. Everyone becomes a compatriot rather than a competitor. This is spiritual awareness as I practice it.

In order for this planet to have financial stability, peace, and protected natural resources, there’s one thing we can’t do without, and that’s international collaboration, based on a shared and fact-based understanding of the world. The current lack of knowledge about the world is therefore the most concerning problem of all.

Again, college is important—very important—but it is not the answer to all your kids’ problems. I will be so bold as to say college isn’t even a need; it is a want. It isn’t a necessity; it is a luxury. This luxury is one of the first on my list, but not before retirement, not before an emergency fund, and certainly not as a reason to go into debt.

God, was I being too selfish? I could feel my eyes stinging . . . and my resolve crumbling. “Well, Lizzie. It sounds as if you have a decision to make,” my dad said with a sigh. “Dad . . . if you tell me to take this job, I will.” My dad just looked at me for a moment, considering. “Do you want this job?” “No!” I sniffled. “It would be terrible. But if you need me to—” “Then don’t you dare.” His words came out fierce—fiercer than I’ve ever heard in my entire life. “Your mother’s and my financial problems are our own. You don’t get to carry that burden. You’ll have your own as soon as your student loans come due, so don’t worry about us.” “But—” “You have dreams, Lizzie.” He laid a hand on my shoulder. “Goals. Now is the time in your life to pursue them. Don’t put them on hold. Because if you do, pretty soon you’ll be middle-aged with three children, working a job simply to pay the bills. And you’ll have forgotten what those dreams were.

Why do we use the term "greatest generation" for participants in war? Why not for those who have opposed war, who have tried to make us understand that war has never solved fundamental problems? Should we not honor, instead of parachutists and bomber pilots, those conscientious objectors who refused to fight or the radicals and pacifists who opposed the idea that young people of one nation should kill young people of another nation to serve the purposes of politicians and financiers?

Narcissistic personality disorder (NPD) causes problems in many areas of life, such as relationships, work, school or financial affairs. People with NPD may be generally unhappy and disappointed when they're not given the special favors or admiration, which they believe they deserve. They may find their relationships unfulfilling. Others may not enjoy being around them.

Kaysen elaborates through parts of the book on her thoughts about how mental illness is treated. She explains that families who are willing to pay the rather high costs of hospitalization do so to prove their own sanity. Once one member of the family is hospitalized, it becomes easier for the rest of the family to distance themselves from the problem and to create a clear boundary between the sane and the insane. Recognizing a family member or friend as insane makes others around them, says Kaysen, compare themselves to that individual. Hospitalization allows for distance from this questioning of self that makes us so uncomfortable. Her view that mental illness often includes the entire family means the hospitalized family member becomes an excuse for other family members not to look at their own problems. This explains the willingness to pay the high financial costs of hospitalization.

I always listen,” Ranger said. “I don’t always agree. I have a problem right now that I can’t seem to solve by myself. I need you to help me find my daughter. And there’s an even bigger problem involved. I feel a financial and moral obligation to my daughter. I send child support, I send birthday and Christmas presents, I visit when I’m invited. But I’ve kept myself emotionally distanced. I’m not emotionally distanced from you. I couldn’t live with myself if something happened to you because I was using you to find someone . . . even if that someone was my daughter. So I have to make every effort to keep you safe.” “You’re a little smothering.

But those reports and stuff aren’t just saying things are unhealthy—they’re saying they’re morally wrong. Like you’re somehow a better person, spiritually, if you have the right body-fat percentage and exercise for an hour a day—and there’s that awful condescending set of ads where smoking isn’t just a stupid thing to do, it’s literally the devil. People need a moral code, to help them make decisions. All this bio-yogurt virtue and financial self-righteousness are just filling the gap in the market. But the problem is that it’s all backwards. It’s not that you do the right thing and hope it pays off; the morally right thing is by definition the thing that gives the biggest payoff.

Work is not just an activity that generates funds and creates desire; it’s the vagabonding gestation period, wherein you earn your integrity, start making plans, and get your proverbial act together. Work is a time to dream about travel and write notes to yourself, but it’s also the time to tie up your loose ends. Work is when you confront the problems you might otherwise be tempted to run away from. Work is how you settle your financial and emotional debts—so that your travels are not an escape from your real life but a discovery of your real life.

I have engaged in enough women’s rights activism to know that the belief “sons are better than daughters'' is a huge problem in some parts of the world. For those who have little knowledge of Islam, there is the impression that women’s oppression stems from islamic teachings. This is simply not the case. In fact, muslim imams preach about the value of daughters often siting that a daughter opens the gates of paradise for their father. Indeed, the person the most beloved to the Prophet Mohammed, peace be upon him, was his youngest daughter, Fatima. Islamic teachings are clear that a father has to fulfill his duty to raise and care for his daughters, and that the obligations go beyond providing financial support. He must provide a safe, peaceful, and loving home environment that is conducive to his daughter’s overall spiritual and moral development.

Having and authentic voice means that: - We can openly share competence as well as problems and vulnerability. - We can warm things up and calm them down. - We can listen and ask questions that allow us to truly know the other person and to gather information about anything that may affect us. - We can say what we think and feel, state differences, and allow the other person to do the same. - We can define our values, convictions, principles, and priorities, and do our best to act in accordance with them. - We can define what we feel entitled to in a relationship, and we can clarify the limits of what we will tolerate or accept in another’s behavior. - We can leave (meaning that we can financially and emotionally support ourselves), if necessary.

Consider one study that estimates a mom simultaneously and often single-handedly performs as many as seventeen occupations in the course of raising a child, from child-rearing, cooking, cleaning, chauffeuring, and financial planning to resolving family emotional problems (not to mention often doing part-time paid work in addition to it all). That particular study estimated a mother’s worth at $508,700 a year, according to Ann Crittenden’s The Price of Motherhood.

Nothing brings home the fragility of the banking system or the potency of a financial crisis more vividly than writing about these issues from the eye of the storm. Watching the world’s central bankers and finance officials grappling with the current situation—trying one thing after another to restore confidence, throwing everything they can at the problem, coping daily with unexpected and startling shifts in market sentiment—reinforces the lesson that there is no magic bullet or simple formula for dealing with financial panics.

Drinking and drugs might temporarily bring some relief, but there is no problem in life that drugs and alcohol don't make worse--whether the issue is financial, emotional, or legal. If you are reading this and find yourself struggling, ask God to take the burden off your shoulders, reach out for help, and stop digging a deeper hole for yourself. There is a community of millions of men and women who have been in similar circumstances and will be there for you, stranger or not, because their own recovery depends on helping people like you.

Self-care is an attitude toward ourselves and our lives that says, I am responsible for myself. I am responsible for leading or not living my life. I am responsible for tending to my spiritual, emotional, physical, and financial well-being. I am responsible for identifying and meeting my needs. I am responsible for solving my problems or learning to live with those I cannot solve. I am responsible for my choices. I am responsible for what I give and receive. I am also responsible for setting and achieving my goals. I am responsible for how much I enjoy life, for how much pleasure I find in daily activities. I am responsible for whom I love and how I choose to express this love. I am responsible for what I do to others and for what I allow others to do to me. I am responsible for my wants and desires. All of me, every aspect of my being, is important. I count for something. I matter. My feelings can be trusted. My thinking is appropriate. I value my wants and needs. I do not deserve and will not tolerate abuse or constant mistreatment. I have rights, and it is my responsibility to assert these rights. The decisions I make and the way I conduct myself will reflect my high self-esteem. My decisions will take into account my responsibilities to myself.

Pregnancy had seemed a reasonable excuse for letting her metal-smithing tools languish, but that accounted for only eighteen months of the last twenty-six years. Motherhood wasn't the real problem, though it took him a long time to figure out what was. She needed resistance, the very quality that metal most demonstrably offered up. Suddenly Glynis had no difficulty to overcome, no hard artisan's life with galleries filching half the too-small price of a mokume brooch that had taken three weeks to forge. No, her husband made a good living, and if she slept late and dawdled the afternoon away reading Lustre, American Craft Magazine and Lapidary Journal, the phone bill would still get paid. For that matter, she needed need itself. She could overcome her anguish about embarking on an object that, once completed, might not meet her exacting standards only if she had no choice. In this sense, his helping had hurt her. By providing the financial cushion that should have facilitated making all the metal whathaveyou she liked, he had ruined her life. Wrapped in a slackening bow, ease was a poisonous present.

Sooner or later, someone will say a no to us that we can’t ignore. It’s built into the fabric of life. Observe the progression of nos in the life of the person who resists others’ limits: the no of parents the no of siblings the no of schoolteachers the no of school friends the no of bosses and supervisors the no of spouses the no of health problems from overeating, alcoholism, or an irresponsible lifestyle the no of police, the courts, and even prison Some people learn to accept boundaries early in life, even as early as stage number one. But some people have to go all the way to number eight before they get the picture that we have to accept life’s limits: “Stop listening to instruction, my son, and you will stray from the words of knowledge” (Prov. 19:27). Many out-of-control adolescents don’t mature until their thirties, when they become tired of not having a steady job and a place to stay. They have to hit bottom financially, and sometimes they may even have to live on the streets for a while. In time, they begin sticking with a career, saving money, and starting to grow up. They gradually begin to accept life’s limits.

One of the problems with a 529 plan is that you must give up an element of control. The best 529 plans available, and my second choice to an ESA, is a “flexible” plan. This type of plan allows you to move your investment around periodically within a certain family of funds. A family of funds is a brand name of mutual fund. You could pick from virtually any mutual fund in the American Funds Group or Vanguard or Fidelity. You are stuck in one brand, but you can choose the type of fund, the amount in each, and move it around if you want. This is the only type of 529 I recommend.

Buying a home is always an impulse buy. It's an impossible thing for your brain to absorb fully: to warp your whole emotional and financial life around the shape of this absurd physical thing, this new collection of problems and regrets, ants and undiscovered mold, bad drainage, and cracked foundations that will be your burden until you sell it or it kills you. A thirty-year mortgage is hilarious when you are young and you don't even remember what day it is; it's a grim thing when you are older and see that this debt is a bright, un-ignorable line from the now of your life to its addled decline.

On Rachel's show for November 7, 2012: Ohio really did go to President Obama last night. and he really did win. And he really was born in Hawaii. And he really is legitimately President of the United States, again. And the Bureau of Labor statistics did not make up a fake unemployment rate last month. And the congressional research service really can find no evidence that cutting taxes on rich people grows the economy. And the polls were not screwed to over-sample Democrats. And Nate Silver was not making up fake projections about the election to make conservatives feel bad; Nate Silver was doing math. And climate change is real. And rape really does cause pregnancy, sometimes. And evolution is a thing. And Benghazi was an attack on us, it was not a scandal by us. And nobody is taking away anyone's guns. And taxes have not gone up. And the deficit is dropping, actually. And Saddam Hussein did not have weapons of mass destruction. And the moon landing was real. And FEMA is not building concentration camps. And you and election observers are not taking over Texas. And moderate reforms of the regulations on the insurance industry and the financial services industry in this country are not the same thing as communism. Listen, last night was a good night for liberals and for democrats for very obvious reasons, but it was also, possibly, a good night for this country as a whole. Because in this country, we have a two-party system in government. And the idea is supposed to be that the two sides both come up with ways to confront and fix the real problems facing our country. They both propose possible solutions to our real problems. And we debate between those possible solutions. And by the process of debate, we pick the best idea. That competition between good ideas from both sides about real problems in the real country should result in our country having better choices, better options, than if only one side is really working on the hard stuff. And if the Republican Party and the conservative movement and the conservative media is stuck in a vacuum-sealed door-locked spin cycle of telling each other what makes them feel good and denying the factual, lived truth of the world, then we are all deprived as a nation of the constructive debate about competing feasible ideas about real problems. Last night the Republicans got shellacked, and they had no idea it was coming. And we saw them in real time, in real humiliating time, not believe it, even as it was happening to them. And unless they are going to secede, they are going to have to pop the factual bubble they have been so happy living inside if they do not want to get shellacked again, and that will be a painful process for them, but it will be good for the whole country, left, right, and center. You guys, we're counting on you. Wake up. There are real problems in the world. There are real, knowable facts in the world. Let's accept those and talk about how we might approach our problems differently. Let's move on from there. If the Republican Party and the conservative movement and conservative media are forced to do that by the humiliation they were dealt last night, we will all be better off as a nation. And in that spirit, congratulations, everyone!

The “rising tide” theory rested on a notion of separate but equal class ladders. And so there was a class of black poor and an equivalent class of white poor, a black middle class and a white middle class, a black elite and a white elite. From this angle, the race problem was merely the result of too many blacks being found at the bottom of their ladder—too many who were poor and too few who were able to make their way to the next rung. If one could simply alter the distribution, the old problem of “race” could be solved. But any investigation into the actual details revealed that the ladders themselves were not equal—that to be a member of the “black race” in America had specific, quantifiable consequences. Not only did poor blacks tend to be much less likely to advance up their ladder, but those who did stood a much greater likelihood of tumbling back. That was because the middle-class rung of the black ladder lacked the financial stability enjoyed by the white ladder. Whites in the middle class often brought with them generational wealth—the home of a deceased parent, a modest inheritance, a gift from a favorite uncle. Blacks in the middle class often brought with them generational debt—an incarcerated father, an evicted niece, a mother forced to take in her sister’s kids. And these conditions, themselves, could not be separated out from the specific injury of racism, one that was not addressed by simply moving up a rung. Racism was not a singular one-dimensional vector but a pandemic, afflicting black communities at every level, regardless of what rung they occupied. From that point forward the case for reparations seemed obvious and the case against it thin. The sins of slavery did not stop with slavery. On the contrary, slavery was but the initial crime in a long tradition of crimes, of plunder even, that could be traced into the present day. And whereas a claim for reparations for slavery rested in the ancestral past, it was now clear that one could make a claim on behalf of those who were very much alive.

Modern civilization seems to be incapable of producing people endowed with imagination, intelligence, and courage. In practically every country there is a decrease in the intellectual and moral caliber of those who carry the responsibility of public affairs. The financial, industrial, and commercial organizations have reached a gigantic size. They are influenced not only by the conditions of the country where they are established, but also by the state of the neighboring countries and of the entire world. In all nations, economic and social conditions undergo extremely rapid changes. Nearly everywhere the existing form of government is again under discussion. The great democracies find themselves face to face with formidable problems--problems concerning their very existence and demanding an immediate solution. And we realize that, despite the immense hopes which humanity has placed in modern civilization, such a civilization has failed in developing men of sufficient intelligence and audacity to guide it along the dangerous road on which it is stumbling. Human beings have not grown so rapidly as the institutions sprung from their brains. It is chiefly the intellectual and moral deficiencies of the political leaders, and their ignorance, which endanger modern nations.

My target customer will be? The problem my customer wants to solve is? My customer’s need can be solved with? Why can’t my customer solve this today? The measurable outcome my customer wants to achieve is? My primary customer acquisition tactic will be? My earliest adopter will be? I will make money (revenue) by? My primary competition will be? I will beat my competitors primarily because of? My biggest risk to financial viability is? My biggest technical or engineering risk is? What assumptions do we have that, if proven wrong, would cause this business to fail?  (Tip: include market size in this list) You should be able to look at this list and spot

In the studies I have directed, and in my international experience speaking with women in prostitution, the majority of women in prostitution come from marginalized groups with a history of sexual abuse, drug and alcohol dependencies, poverty or financial disadvantage, lack of education, and histories of other vulnerabilities. These factors characterize women in both off and on-street locations. A large number of women in prostitution are pimped or drawn into the sex industry at an early age. These are women whose lives will not change for the better if prostitution is decriminalized. Many have entrenched problems that are best addressed not by keeping women indoors but in establishing programs where women can be provided with an exit strategy and the services that they need to regain their lost lives. There is little evidence that decriminalization or legalization of prostitution improves conditions for women in prostitution, on or off the street. It certainly makes things better for the sex industry, which is provided with legal standing, and the government that enjoys increased revenues from accompanying regulation.

The notion, a debatable one, is that the man who knows the problems necessarily knows the answers. This book has not been successful if it has not suggested some big-league problems, such as: (1) Should our financial machinery be scrapped? (2) Should it be further tinkered with, and if so, how much further? (3) Is capitalism doomed? (4) What active stock selling under five dollars looks hot just now for a quick turn to pay for the Buick the wife just bought? There isn’t an assistant instructor in economics in any faculty who can’t answer these and similar questions rapidly and categorically, and if that is not enough there are a million laymen eager to do so. So I don’t feel that my vote is much needed.

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To talk about this level of inequality between a woman and a man who live together doing the work of care and love was for a long time taboo: you risk being seen as ‘complaining’ or, because this work has insidiously been made part of what it is to be a ‘good’ woman, a bad one. Reams of women’s magazines offer advice to overburdened women on ‘self-care’ or ‘juggling the load’, as if the problem is personal, and can be solved by yet more effort on our part – leaving the system that makes us and takes from us untouched. I am married to a man who’s emotionally astute, deeply engaged with our children. Craig and I share the financial load, we think we share most things in our lives. This was not enough to protect me. The patriarchy is too huge, and I too small or stupid, or just not up for the fight. The individual man can be the loveliest; the system will still benefit him without his having to lift a finger or a whip, or change the sheets. This is a story I tell against myself. And against the system that made this self, as well as my husband’s, and put her into his service. Wifedom is a wicked magic trick we have learned to play on ourselves. I want to expose how it is done and so take its wicked, tricking power away.

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In the mid-1980s, Congress authorized the creation of the US Sentencing Commission to examine prison terms and codify norms to correct the arbitrary punishments meted out by unaccountable judges. First, in 1989 the commission’s guidelines for individuals went into effect, establishing a point system for how many years of prison a convicted criminal might get, based on the seriousness of the misconduct and a person’s criminal history. In 1991, amid public and congressional outrage that sentences for white-collar criminals were too light and fines and sanctions for corporations too lenient, the Sentencing Commission expanded the concept to cover organizations. It formalized the Sporkin-era regime of offering leniency in exchange for cooperation and reform. The new rules delineated factors that could earn a culprit mercy. In levying a fine, the court should consider, the sentencing guidelines said, “any collateral consequences of conviction.” 1 “Collateral consequences” was, and remains, an ill-defined concept. How worried should the government be if a punishment causes a company to go out of business? Should regulators worry about the cashiering of innocent employees? What about customers, suppliers, or competitors? Should they fret about financial crises? From this rather innocuous mention, the little notion of collateral consequences would blossom into the great strangling vine that came to be known after the financial crisis of 2008 by its shorthand: “too big to jail.” Prosecutors and regulators were crippled by the idea that the government could not criminally sanction some companies—particularly giant banks—for fear that they would collapse, causing serious problems for financial markets or the economy.

Subject: SELF WORTH (Very Deep!!!) In a brief conversation, a man asked a woman he was pursuing the question: 'What kind of man are you looking for?' She sat quietly for a moment before looking him in the eye & asking, 'Do you really want to know?' Reluctantly, he said, 'Yes. She began to expound, 'As a woman in this day & age, I am in a position to ask a man what can you do for me that I can't do for myself? I pay my own bills. I take care of my household without the help of any man... or woman for that matter. I am in the position to ask, 'What can you bring to the table?' The man looked at her. Clearly he thought that she was referring to money. She quickly corrected his thought & stated, 'I am not referring to money. I need something more. I need a man who is striving for excellence in every aspect of life. He sat back in his chair, folded his arms, & asked her to explain. She said, 'I need someone who is striving for excellence mentally because I need conversation & mental stimulation. I don't need a simple-minded man. I need someone who is striving for excellence spiritually because I don't need to be unequally yoked...believers mixed with unbelievers is a recipe for disaster. I need a man who is striving for excellence financially because I don't need a financial burden. I need someone who is sensitive enough to understand what I go through as a woman, but strong enough to keep me grounded. I need someone who has integrity in dealing with relationships. Lies and game-playing are not my idea of a strong man. I need a man who is family-oriented. One who can be the leader, priest and provider to the lives entrusted to him by God. I need someone whom I can respect. In order to be submissive, I must respect him. I cannot be submissive to a man who isn't taking care of his business. I have no problem being submissive...he just has to be worthy. And by the way, I am not looking for him...He will find me. He will recognize himself in me. Hey may not be able to explain the connection, but he will always be drawn to me. God made woman to be a help-mate for man. I can't help a man if he can't help himself. When she finished her spill, she looked at him. He sat there with a puzzled look on his face. He said, 'You are asking a lot. She replied, "I'm worth a lot". Send this to every woman who's worth a lot.... and every man who has the brains to understand!!

The best available apples-to-apples comparison of inflation-adjusted earnings shows what the typical fully employed man earned back in the 1970s and what that same fully employed man earns today. The picture isn’t pretty. As the GDP has doubled and almost doubled again, as corporations have piled up record profits, as the country has gotten wealthier, and as the number of billionaires has exploded, the average man working full-time today earns about what the average man earned back in 1970. Nearly half a century has gone by, and the guy right in the middle of the pack is making about what his granddad did. The second punch that’s landed on families is expenses. If costs had stayed the same over the past few decades, families would be okay—or, at least, they would be in about the same position as they were thirty-five years ago. Not advancing but not falling behind, either. But that didn’t happen. Total costs are up, way up. True, families have cut back on some kinds of expenses. Today, the average family spends less on food (including eating out), less on clothing, less on appliances, and less on furniture than a comparable family did back in 1971. In other words, families have been pretty careful about their day-to-day spending, but it hasn’t saved them. The problem is that the other expenses—the big, fixed expenses—have shot through the roof and blown apart the family budget. Adjusted for inflation, families today spend more on transportation, more on housing, and more on health insurance. And for all those families with small children and no one at home during the day, the cost of childcare has doubled, doubled again, and doubled once more. Families have pinched pennies on groceries and clothing, but these big, recurring expenses have blown them right over a financial cliff.

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One way to get a life and keep it is to put energy into being an S&M (success and money) queen. I first heard this term in Karen Salmansohn’s fabulous book The 30-Day Plan to Whip Your Career Into Submission. Here’s how to do it: be a star at work. I don’t care if you flip burgers at McDonald’s or run a Fortune 500 company. Do everything with totality and excellence. Show up on time, all the time. Do what you say you will do. Contribute ideas. Take care of the people around you. Solve problems. Be an agent for change. Invest in being the best in your industry or the best in the world! If you’ve been thinking about changing professions, that’s even more reason to be a star at your current job. Operating with excellence now will get you back up to speed mentally and energetically so you can hit the ground running in your new position. It will also create good karma. When and if you finally do leave, your current employers will be happy to support you with a great reference and often leave an open door for additional work in the future. If you’re an entrepreneur, look at ways to enhance your business. Is there a new product or service you’ve wanted to offer? How can you create raving fans by making your customer service sparkle? How can you reach more people with your product or service? Can you impact thousands or even millions more? Let’s not forget the M in S&M. Getting a life and keeping it includes having strong financial health as well. This area is crucial because many women delay taking charge of their financial lives as they believe (or have been culturally conditioned to believe) that a man will come along and take care of it for them. This is a setup for disaster. You are an intelligent and capable woman. If you want to fully unleash your irresistibility, invest in your financial health now and don’t stop once you get involved in a relationship. If money management is a challenge for you, I highly recommend my favorite financial coach: David Bach. He is the bestselling author of many books, including The Automatic Millionaire, Smart Women Finish Rich, and Smart Couples Finish Rich. His advice is clear-cut and straightforward, and, most important, it works.